Home > First International Bank & Trust > Performance and Condition Ratios
First International Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6985% | 927 |
| Cost of funding earning assets | 1.8147% | 1,227 |
| Net interest margin | 3.8838% | 1,405 |
| Noninterest income to average assets | 1.1000% | 549 |
| Noninterest expense to average assets | 3.0788% | 992 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 1.5569% | 926 |
| Return on assets (ROA) | 1.5573% | 893 |
| Pretax return on assets | 1.5573% | 1,315 |
| Return on Equity (ROE) | 21.7400% | 477 |
| Retained earnings to average equity (ytd only) | 8.7496% | 1,315 |
| Net charge-offs to loans | 0.0662% | 1,188 |
| Credit loss provision to net charge-offs | 213.5036% | 1,177 |
| Earnings coverage of net charge-offs (x) | 30.5288% | 1,626 |
| Efficiency ratio | 63.9148% | 2,620 |
| Assets per employee ($millions) | 7.9683% | 1,453 |
| Cash dividends to net income (ytd only)* | 59.7548% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0780% | 2,948 |
| Loan loss allowance to noncurrent loans | 175.3713% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.5299% | 1,059 |
| Noncurrent loans to loans | 0.6147% | 1,284 |
| Net loans and leases to total assets | 82.1400% | 418 |
| Net loans and leases to deposits | 93.9807% | 941 |
| Net loans and leases to core deposits | 99.7711% | 1,451 |
| Total domestic deposits to total assets | 87.4100% | 1,554 |
| Equity capital to assets | 7.4788% | 3,733 |
| Core capital (leverage) ratio | 8.5434% | 4,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9860% | 2,818 |
| Memoranda: | ||
| Average total assets | $4,997,104,600 | 273 |
| Average earning assets | $4,696,872,200 | 264 |
| Average equity | $357,936,600 | 342 |
| Average total loans | $4,139,467,600 | 231 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6065% | 905 |
| Cost of funding earning assets | 1.7087% | 1,175 |
| Net interest margin | 3.8979% | 1,408 |
| Noninterest income to average assets | 1.0800% | 567 |
| Noninterest expense to average assets | 3.1116% | 917 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.5080% | 1,102 |
| Return on assets (ROA) | 1.5083% | 1,093 |
| Pretax return on assets | 1.5083% | 1,539 |
| Return on Equity (ROE) | 21.3000% | 613 |
| Retained earnings to average equity (ytd only) | 8.7579% | 1,752 |
| Net charge-offs to loans | 0.0324% | 1,431 |
| Credit loss provision to net charge-offs | 455.9118% | 678 |
| Earnings coverage of net charge-offs (x) | 60.6964% | 1,197 |
| Efficiency ratio | 64.7398% | 2,417 |
| Assets per employee ($millions) | 7.6310% | 1,551 |
| Cash dividends to net income (ytd only)* | 58.8886% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 2,819 |
| Loan loss allowance to noncurrent loans | 166.5289% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 1,014 |
| Noncurrent loans to loans | 0.6657% | 1,238 |
| Net loans and leases to total assets | 82.9000% | 367 |
| Net loans and leases to deposits | 96.4270% | 725 |
| Net loans and leases to core deposits | 102.1864% | 1,202 |
| Total domestic deposits to total assets | 85.9700% | 2,205 |
| Equity capital to assets | 6.7541% | 3,725 |
| Core capital (leverage) ratio | 8.4647% | 4,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9519% | 2,831 |
| Memoranda: | ||
| Average total assets | $4,953,527,750 | 277 |
| Average earning assets | $4,652,532,750 | 269 |
| Average equity | $350,731,500 | 348 |
| Average total loans | $4,100,761,500 | 235 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4831% | 850 |
| Cost of funding earning assets | 1.5698% | 1,126 |
| Net interest margin | 3.9133% | 1,400 |
| Noninterest income to average assets | 1.0700% | 514 |
| Noninterest expense to average assets | 3.1439% | 851 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.5221% | 1,063 |
| Return on assets (ROA) | 1.5225% | 1,057 |
| Pretax return on assets | 1.5225% | 1,552 |
| Return on Equity (ROE) | 21.1700% | 609 |
| Retained earnings to average equity (ytd only) | 7.4865% | 2,133 |
| Net charge-offs to loans | 0.0049% | 2,098 |
| Credit loss provision to net charge-offs | 1,868.6869% | 280 |
| Earnings coverage of net charge-offs (x) | 397.5556% | 363 |
| Efficiency ratio | 65.4278% | 2,319 |
| Assets per employee ($millions) | 7.6310% | 1,521 |
| Cash dividends to net income (ytd only)* | 64.6374% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 2,996 |
| Loan loss allowance to noncurrent loans | 191.6567% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 1,117 |
| Noncurrent loans to loans | 0.5685% | 1,318 |
| Net loans and leases to total assets | 81.6000% | 465 |
| Net loans and leases to deposits | 95.0363% | 786 |
| Net loans and leases to core deposits | 99.4226% | 1,267 |
| Total domestic deposits to total assets | 85.8600% | 2,274 |
| Equity capital to assets | 7.1090% | 3,732 |
| Core capital (leverage) ratio | 8.3558% | 4,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9552% | 2,851 |
| Memoranda: | ||
| Average total assets | $4,928,417,667 | 270 |
| Average earning assets | $4,627,477,333 | 263 |
| Average equity | $354,423,667 | 336 |
| Average total loans | $4,062,504,000 | 230 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 711 |
| Cost of funding earning assets | 1.4027% | 1,015 |
| Net interest margin | 4.0007% | 1,263 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 3.2064% | 790 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.5770% | 1,023 |
| Return on assets (ROA) | 1.5773% | 1,019 |
| Pretax return on assets | 1.5773% | 1,516 |
| Return on Equity (ROE) | 21.8100% | 595 |
| Retained earnings to average equity (ytd only) | 15.5900% | 734 |
| Net charge-offs to loans | 0.0124% | 1,487 |
| Credit loss provision to net charge-offs | 120.0000% | 1,035 |
| Earnings coverage of net charge-offs (x) | 155.5360% | 600 |
| Efficiency ratio | 65.9763% | 2,209 |
| Assets per employee ($millions) | 7.2035% | 1,817 |
| Cash dividends to net income (ytd only)* | 28.5033% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 3,202 |
| Loan loss allowance to noncurrent loans | 392.8175% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2617% | 1,834 |
| Noncurrent loans to loans | 0.2723% | 2,165 |
| Net loans and leases to total assets | 81.9400% | 381 |
| Net loans and leases to deposits | 92.7450% | 870 |
| Net loans and leases to core deposits | 96.6284% | 1,246 |
| Total domestic deposits to total assets | 88.3500% | 1,792 |
| Equity capital to assets | 7.4455% | 3,591 |
| Core capital (leverage) ratio | 8.4102% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0923% | 2,934 |
| Memoranda: | ||
| Average total assets | $4,893,477,500 | 283 |
| Average earning assets | $4,594,752,000 | 274 |
| Average equity | $353,971,500 | 348 |
| Average total loans | $4,031,957,500 | 241 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 709 |
| Cost of funding earning assets | 0.4320% | 1,847 |
| Net interest margin | 4.0745% | 695 |
| Noninterest income to average assets | 1.2400% | 444 |
| Noninterest expense to average assets | 3.2334% | 684 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.7341% | 506 |
| Return on assets (ROA) | 1.7164% | 497 |
| Pretax return on assets | 1.7164% | 885 |
| Return on Equity (ROE) | 24.4100% | 230 |
| Retained earnings to average equity (ytd only) | 13.3331% | 465 |
| Net charge-offs to loans | 0.0108% | 1,969 |
| Credit loss provision to net charge-offs | 1,237.5000% | 374 |
| Earnings coverage of net charge-offs (x) | 224.4825% | 597 |
| Efficiency ratio | 62.9664% | 2,633 |
| Assets per employee ($millions) | 7.0246% | 1,955 |
| Cash dividends to net income (ytd only)* | 45.3690% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 3,706 |
| Loan loss allowance to noncurrent loans | 331.6305% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 1,851 |
| Noncurrent loans to loans | 0.2767% | 2,166 |
| Net loans and leases to total assets | 81.2100% | 479 |
| Net loans and leases to deposits | 96.1952% | 626 |
| Net loans and leases to core deposits | 98.7112% | 1,068 |
| Total domestic deposits to total assets | 84.4300% | 3,120 |
| Equity capital to assets | 7.0230% | 3,650 |
| Core capital (leverage) ratio | 8.4649% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7426% | 3,001 |
| Memoranda: | ||
| Average total assets | $4,892,702,200 | 277 |
| Average earning assets | $4,595,827,400 | 269 |
| Average equity | $344,091,200 | 348 |
| Average total loans | $3,708,003,800 | 239 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 744 |
| Cost of funding earning assets | 0.2763% | 2,424 |
| Net interest margin | 4.0197% | 617 |
| Noninterest income to average assets | 1.3000% | 432 |
| Noninterest expense to average assets | 3.2075% | 685 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.7574% | 466 |
| Return on assets (ROA) | 1.7441% | 468 |
| Pretax return on assets | 1.7441% | 821 |
| Return on Equity (ROE) | 24.7900% | 191 |
| Retained earnings to average equity (ytd only) | 14.9632% | 368 |
| Net charge-offs to loans | 0.0149% | 1,573 |
| Credit loss provision to net charge-offs | 1,034.4828% | 399 |
| Earnings coverage of net charge-offs (x) | 169.0443% | 693 |
| Efficiency ratio | 62.3215% | 2,793 |
| Assets per employee ($millions) | 6.8061% | 2,088 |
| Cash dividends to net income (ytd only)* | 39.6434% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9301% | 3,768 |
| Loan loss allowance to noncurrent loans | 352.6413% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 1,951 |
| Noncurrent loans to loans | 0.2638% | 2,317 |
| Net loans and leases to total assets | 81.1200% | 433 |
| Net loans and leases to deposits | 92.5328% | 735 |
| Net loans and leases to core deposits | 94.6276% | 1,060 |
| Total domestic deposits to total assets | 87.6700% | 2,526 |
| Equity capital to assets | 6.6845% | 3,663 |
| Core capital (leverage) ratio | 8.4406% | 4,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8409% | 3,060 |
| Memoranda: | ||
| Average total assets | $4,888,326,750 | 279 |
| Average earning assets | $4,593,756,000 | 271 |
| Average equity | $343,902,500 | 351 |
| Average total loans | $3,628,826,500 | 244 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0483% | 862 |
| Cost of funding earning assets | 0.2137% | 2,721 |
| Net interest margin | 3.8346% | 699 |
| Noninterest income to average assets | 1.1331% | 524 |
| Noninterest expense to average assets | 3.0967% | 736 |
| Loan and lease loss provision to assets | 0.1135% | 886 |
| Net operating income to assets | 1.5307% | 651 |
| Return on assets (ROA) | 1.5027% | 681 |
| Pretax return on assets | 1.5027% | 1,158 |
| Return on Equity (ROE) | 21.0234% | 244 |
| Retained earnings to average equity (ytd only) | 14.5870% | 304 |
| Net charge-offs to loans | 0.0166% | 1,414 |
| Credit loss provision to net charge-offs | 952.3810% | 422 |
| Earnings coverage of net charge-offs (x) | 137.9728% | 686 |
| Efficiency ratio | 64.4432% | 2,711 |
| Assets per employee ($millions) | 7.1309% | 1,855 |
| Cash dividends to net income (ytd only)* | 30.6153% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 3,850 |
| Loan loss allowance to noncurrent loans | 266.6845% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 1,691 |
| Noncurrent loans to loans | 0.3506% | 2,098 |
| Net loans and leases to total assets | 73.0247% | 1,000 |
| Net loans and leases to deposits | 79.3261% | 1,433 |
| Net loans and leases to core deposits | 80.7138% | 1,677 |
| Total domestic deposits to total assets | 92.0563% | 812 |
| Equity capital to assets | 6.6485% | 3,954 |
| Core capital (leverage) ratio | 8.2658% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8352% | 3,032 |
| Memoranda: | ||
| Average total assets | $4,934,220,000 | 273 |
| Average earning assets | $4,642,346,667 | 269 |
| Average equity | $352,683,667 | 347 |
| Average total loans | $3,541,772,667 | 244 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9225% | 887 |
| Cost of funding earning assets | 0.2155% | 2,591 |
| Net interest margin | 3.7071% | 741 |
| Noninterest income to average assets | 1.1448% | 526 |
| Noninterest expense to average assets | 3.2069% | 597 |
| Loan and lease loss provision to assets | 0.0411% | 1,616 |
| Net operating income to assets | 1.3847% | 830 |
| Return on assets (ROA) | 1.3373% | 914 |
| Pretax return on assets | 1.3373% | 1,417 |
| Return on Equity (ROE) | 18.0538% | 333 |
| Retained earnings to average equity (ytd only) | 14.4499% | 335 |
| Net charge-offs to loans | 0.0005% | 1,831 |
| Credit loss provision to net charge-offs | 12,500.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 4,339.5000% | 9 |
| Efficiency ratio | 68.3162% | 2,463 |
| Assets per employee ($millions) | 6.9274% | 2,040 |
| Cash dividends to net income (ytd only)* | 19.9619% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9322% | 3,950 |
| Loan loss allowance to noncurrent loans | 255.9984% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 1,821 |
| Noncurrent loans to loans | 0.3642% | 2,179 |
| Net loans and leases to total assets | 69.4820% | 1,065 |
| Net loans and leases to deposits | 75.5934% | 1,482 |
| Net loans and leases to core deposits | 77.0278% | 1,702 |
| Total domestic deposits to total assets | 91.9154% | 609 |
| Equity capital to assets | 6.8400% | 4,285 |
| Core capital (leverage) ratio | 7.7447% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6941% | 3,071 |
| Memoranda: | ||
| Average total assets | $4,869,866,000 | 278 |
| Average earning assets | $4,581,849,500 | 274 |
| Average equity | $360,722,000 | 351 |
| Average total loans | $3,446,618,500 | 250 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1522% | 1,077 |
| Cost of funding earning assets | 0.3053% | 2,359 |
| Net interest margin | 3.8468% | 926 |
| Noninterest income to average assets | 1.3303% | 609 |
| Noninterest expense to average assets | 3.2878% | 644 |
| Loan and lease loss provision to assets | 0.2043% | 512 |
| Net operating income to assets | 1.4335% | 1,172 |
| Return on assets (ROA) | 1.5102% | 1,033 |
| Pretax return on assets | 1.5102% | 1,688 |
| Return on Equity (ROE) | 18.2161% | 446 |
| Retained earnings to average equity (ytd only) | 5.6779% | 2,492 |
| Net charge-offs to loans | 0.1511% | 635 |
| Credit loss provision to net charge-offs | 194.5692% | 1,323 |
| Earnings coverage of net charge-offs (x) | 15.5980% | 1,998 |
| Efficiency ratio | 65.8359% | 2,283 |
| Assets per employee ($millions) | 6.4000% | 2,411 |
| Cash dividends to net income (ytd only)* | 68.8302% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 3,900 |
| Loan loss allowance to noncurrent loans | 296.3129% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 2,013 |
| Noncurrent loans to loans | 0.3247% | 2,428 |
| Net loans and leases to total assets | 70.7687% | 950 |
| Net loans and leases to deposits | 79.9012% | 1,226 |
| Net loans and leases to core deposits | 81.9089% | 1,466 |
| Total domestic deposits to total assets | 88.5703% | 1,755 |
| Equity capital to assets | 8.0128% | 4,355 |
| Core capital (leverage) ratio | 7.7331% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9428% | 3,050 |
| Memoranda: | ||
| Average total assets | $4,454,252,800 | 284 |
| Average earning assets | $4,162,974,800 | 277 |
| Average equity | $369,271,800 | 342 |
| Average total loans | $3,095,221,400 | 262 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 1,118 |
| Cost of funding earning assets | 0.3188% | 2,412 |
| Net interest margin | 3.8770% | 980 |
| Noninterest income to average assets | 1.3797% | 623 |
| Noninterest expense to average assets | 3.2004% | 710 |
| Loan and lease loss provision to assets | 0.2096% | 474 |
| Net operating income to assets | 1.5879% | 1,060 |
| Return on assets (ROA) | 1.5883% | 1,106 |
| Pretax return on assets | 1.5883% | 1,744 |
| Return on Equity (ROE) | 18.9878% | 518 |
| Retained earnings to average equity (ytd only) | 3.9204% | 3,600 |
| Net charge-offs to loans | 0.1742% | 495 |
| Credit loss provision to net charge-offs | 174.4627% | 1,275 |
| Earnings coverage of net charge-offs (x) | 14.9646% | 1,881 |
| Efficiency ratio | 63.1295% | 2,519 |
| Assets per employee ($millions) | 6.5352% | 2,219 |
| Cash dividends to net income (ytd only)* | 79.3529% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,920 |
| Loan loss allowance to noncurrent loans | 212.2434% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 1,897 |
| Noncurrent loans to loans | 0.4609% | 2,180 |
| Net loans and leases to total assets | 66.3969% | 1,498 |
| Net loans and leases to deposits | 74.7940% | 1,781 |
| Net loans and leases to core deposits | 76.8987% | 1,968 |
| Total domestic deposits to total assets | 88.7731% | 1,417 |
| Equity capital to assets | 7.8040% | 4,607 |
| Core capital (leverage) ratio | 7.9150% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4445% | 3,044 |
| Memoranda: | ||
| Average total assets | $4,390,213,500 | 287 |
| Average earning assets | $4,097,104,000 | 281 |
| Average equity | $367,230,750 | 344 |
| Average total loans | $3,027,556,000 | 269 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 919 |
| Cost of funding earning assets | 0.3400% | 2,405 |
| Net interest margin | 4.0123% | 799 |
| Noninterest income to average assets | 1.3007% | 686 |
| Noninterest expense to average assets | 3.1416% | 792 |
| Loan and lease loss provision to assets | 0.1728% | 670 |
| Net operating income to assets | 1.7253% | 833 |
| Return on assets (ROA) | 1.7258% | 877 |
| Pretax return on assets | 1.7258% | 1,419 |
| Return on Equity (ROE) | 20.1367% | 448 |
| Retained earnings to average equity (ytd only) | 0.9306% | 4,357 |
| Net charge-offs to loans | 0.1634% | 515 |
| Credit loss provision to net charge-offs | 151.8260% | 1,159 |
| Earnings coverage of net charge-offs (x) | 16.6791% | 1,596 |
| Efficiency ratio | 61.4306% | 2,808 |
| Assets per employee ($millions) | 6.0583% | 2,554 |
| Cash dividends to net income (ytd only)* | 95.3785% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 3,982 |
| Loan loss allowance to noncurrent loans | 173.0432% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 1,794 |
| Noncurrent loans to loans | 0.5515% | 2,019 |
| Net loans and leases to total assets | 69.5391% | 1,258 |
| Net loans and leases to deposits | 79.1022% | 1,508 |
| Net loans and leases to core deposits | 81.8314% | 1,737 |
| Total domestic deposits to total assets | 87.9105% | 1,880 |
| Equity capital to assets | 8.3236% | 4,341 |
| Core capital (leverage) ratio | 7.6813% | 4,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7095% | 3,010 |
| Memoranda: | ||
| Average total assets | $4,283,001,000 | 289 |
| Average earning assets | $3,991,232,667 | 285 |
| Average equity | $367,070,667 | 339 |
| Average total loans | $2,983,597,333 | 273 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4118% | 900 |
| Cost of funding earning assets | 0.3552% | 2,486 |
| Net interest margin | 4.0566% | 779 |
| Noninterest income to average assets | 1.2912% | 761 |
| Noninterest expense to average assets | 3.0506% | 912 |
| Loan and lease loss provision to assets | 0.1979% | 617 |
| Net operating income to assets | 1.8227% | 752 |
| Return on assets (ROA) | 1.8235% | 805 |
| Pretax return on assets | 1.8235% | 1,250 |
| Return on Equity (ROE) | 20.9661% | 471 |
| Retained earnings to average equity (ytd only) | 13.3795% | 843 |
| Net charge-offs to loans | 0.1818% | 439 |
| Credit loss provision to net charge-offs | 156.9507% | 967 |
| Earnings coverage of net charge-offs (x) | 16.0217% | 1,326 |
| Efficiency ratio | 59.2862% | 3,115 |
| Assets per employee ($millions) | 6.2446% | 2,375 |
| Cash dividends to net income (ytd only)* | 36.1851% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 4,012 |
| Loan loss allowance to noncurrent loans | 155.2925% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 1,869 |
| Noncurrent loans to loans | 0.6131% | 2,036 |
| Net loans and leases to total assets | 69.1609% | 1,397 |
| Net loans and leases to deposits | 79.0506% | 1,608 |
| Net loans and leases to core deposits | 82.1532% | 1,828 |
| Total domestic deposits to total assets | 87.4894% | 2,094 |
| Equity capital to assets | 8.5798% | 4,060 |
| Core capital (leverage) ratio | 8.1953% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7294% | 2,758 |
| Memoranda: | ||
| Average total assets | $4,243,528,000 | 292 |
| Average earning assets | $3,954,228,500 | 285 |
| Average equity | $369,071,500 | 336 |
| Average total loans | $2,944,152,500 | 275 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5642% | 1,171 |
| Cost of funding earning assets | 0.5940% | 2,360 |
| Net interest margin | 3.9703% | 1,044 |
| Noninterest income to average assets | 1.6171% | 475 |
| Noninterest expense to average assets | 3.4188% | 772 |
| Loan and lease loss provision to assets | 0.2428% | 1,601 |
| Net operating income to assets | 1.6349% | 594 |
| Return on assets (ROA) | 1.6353% | 640 |
| Pretax return on assets | 1.6353% | 990 |
| Return on Equity (ROE) | 18.3043% | 314 |
| Retained earnings to average equity (ytd only) | 11.3849% | 388 |
| Net charge-offs to loans | 0.1920% | 888 |
| Credit loss provision to net charge-offs | 178.4232% | 2,274 |
| Earnings coverage of net charge-offs (x) | 13.7968% | 2,258 |
| Efficiency ratio | 63.6806% | 2,869 |
| Assets per employee ($millions) | 6.3892% | 2,013 |
| Cash dividends to net income (ytd only)* | 37.8019% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 3,967 |
| Loan loss allowance to noncurrent loans | 138.5591% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.5836% | 1,809 |
| Noncurrent loans to loans | 0.7030% | 1,940 |
| Net loans and leases to total assets | 68.2461% | 1,792 |
| Net loans and leases to deposits | 78.4497% | 2,030 |
| Net loans and leases to core deposits | 82.5315% | 2,153 |
| Total domestic deposits to total assets | 86.9934% | 1,955 |
| Equity capital to assets | 8.8192% | 4,202 |
| Core capital (leverage) ratio | 7.9876% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7905% | 2,703 |
| Memoranda: | ||
| Average total assets | $3,858,125,200 | 295 |
| Average earning assets | $3,575,573,400 | 292 |
| Average equity | $344,683,200 | 337 |
| Average total loans | $2,734,912,800 | 285 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7105% | 1,044 |
| Cost of funding earning assets | 0.6476% | 2,338 |
| Net interest margin | 4.0629% | 967 |
| Noninterest income to average assets | 1.4358% | 554 |
| Noninterest expense to average assets | 3.3762% | 819 |
| Loan and lease loss provision to assets | 0.2316% | 1,754 |
| Net operating income to assets | 1.5895% | 750 |
| Return on assets (ROA) | 1.5899% | 819 |
| Pretax return on assets | 1.5899% | 1,213 |
| Return on Equity (ROE) | 17.7329% | 383 |
| Retained earnings to average equity (ytd only) | 11.6565% | 477 |
| Net charge-offs to loans | 0.0592% | 1,764 |
| Credit loss provision to net charge-offs | 547.8732% | 1,221 |
| Earnings coverage of net charge-offs (x) | 43.0751% | 1,305 |
| Efficiency ratio | 64.0689% | 2,720 |
| Assets per employee ($millions) | 6.3657% | 1,941 |
| Cash dividends to net income (ytd only)* | 34.2663% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0143% | 3,640 |
| Loan loss allowance to noncurrent loans | 140.0105% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 1,800 |
| Noncurrent loans to loans | 0.7244% | 1,991 |
| Net loans and leases to total assets | 69.4444% | 2,034 |
| Net loans and leases to deposits | 80.1186% | 2,302 |
| Net loans and leases to core deposits | 84.7900% | 2,400 |
| Total domestic deposits to total assets | 86.6769% | 1,785 |
| Equity capital to assets | 8.6963% | 4,335 |
| Core capital (leverage) ratio | 8.1205% | 4,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9689% | 2,624 |
| Memoranda: | ||
| Average total assets | $3,781,216,250 | 296 |
| Average earning assets | $3,500,748,000 | 291 |
| Average equity | $339,007,500 | 337 |
| Average total loans | $2,700,907,500 | 284 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0229% | 796 |
| Cost of funding earning assets | 0.7018% | 2,370 |
| Net interest margin | 4.3211% | 717 |
| Noninterest income to average assets | 1.4005% | 537 |
| Noninterest expense to average assets | 3.4494% | 795 |
| Loan and lease loss provision to assets | 0.2896% | 1,482 |
| Net operating income to assets | 1.6588% | 669 |
| Return on assets (ROA) | 1.6587% | 728 |
| Pretax return on assets | 1.6587% | 1,079 |
| Return on Equity (ROE) | 18.2960% | 344 |
| Retained earnings to average equity (ytd only) | 14.0617% | 274 |
| Net charge-offs to loans | 0.0212% | 2,295 |
| Credit loss provision to net charge-offs | 1,899.6429% | 501 |
| Earnings coverage of net charge-offs (x) | 127.7929% | 595 |
| Efficiency ratio | 63.0405% | 2,950 |
| Assets per employee ($millions) | 6.1370% | 2,067 |
| Cash dividends to net income (ytd only)* | 23.1436% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,540 |
| Loan loss allowance to noncurrent loans | 155.8067% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 1,831 |
| Noncurrent loans to loans | 0.6457% | 2,252 |
| Net loans and leases to total assets | 71.8079% | 1,749 |
| Net loans and leases to deposits | 82.6183% | 2,133 |
| Net loans and leases to core deposits | 88.2321% | 2,220 |
| Total domestic deposits to total assets | 86.9152% | 1,656 |
| Equity capital to assets | 8.8548% | 4,208 |
| Core capital (leverage) ratio | 8.1476% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6682% | 2,746 |
| Memoranda: | ||
| Average total assets | $3,672,997,667 | 300 |
| Average earning assets | $3,397,705,667 | 294 |
| Average equity | $332,990,000 | 339 |
| Average total loans | $2,641,039,000 | 287 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 1,394 |
| Cost of funding earning assets | 0.7919% | 2,442 |
| Net interest margin | 4.0163% | 1,346 |
| Noninterest income to average assets | 1.2291% | 583 |
| Noninterest expense to average assets | 3.5378% | 881 |
| Loan and lease loss provision to assets | 0.1020% | 2,412 |
| Net operating income to assets | 1.2936% | 1,262 |
| Return on assets (ROA) | 1.2935% | 1,358 |
| Pretax return on assets | 1.2935% | 1,888 |
| Return on Equity (ROE) | 14.0837% | 682 |
| Retained earnings to average equity (ytd only) | 7.5452% | 1,363 |
| Net charge-offs to loans | 0.0215% | 1,938 |
| Credit loss provision to net charge-offs | 661.7647% | 749 |
| Earnings coverage of net charge-offs (x) | 90.5662% | 621 |
| Efficiency ratio | 70.7241% | 2,256 |
| Assets per employee ($millions) | 5.5730% | 2,051 |
| Cash dividends to net income (ytd only)* | 46.4261% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9722% | 3,834 |
| Loan loss allowance to noncurrent loans | 161.6845% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 1,967 |
| Noncurrent loans to loans | 0.6013% | 2,489 |
| Net loans and leases to total assets | 69.7341% | 2,289 |
| Net loans and leases to deposits | 80.8380% | 2,597 |
| Net loans and leases to core deposits | 86.7251% | 2,623 |
| Total domestic deposits to total assets | 86.2640% | 1,885 |
| Equity capital to assets | 9.1739% | 4,485 |
| Core capital (leverage) ratio | 8.5921% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0139% | 3,096 |
| Memoranda: | ||
| Average total assets | $3,530,318,500 | 299 |
| Average earning assets | $3,256,005,500 | 294 |
| Average equity | $324,232,000 | 341 |
| Average total loans | $2,525,910,000 | 293 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2150% | 960 |
| Cost of funding earning assets | 0.7616% | 2,863 |
| Net interest margin | 4.4535% | 792 |
| Noninterest income to average assets | 1.3750% | 513 |
| Noninterest expense to average assets | 3.7664% | 703 |
| Loan and lease loss provision to assets | 0.1612% | 1,295 |
| Net operating income to assets | 1.5068% | 1,035 |
| Return on assets (ROA) | 1.5072% | 1,101 |
| Pretax return on assets | 1.5072% | 1,790 |
| Return on Equity (ROE) | 16.5702% | 469 |
| Retained earnings to average equity (ytd only) | 9.8476% | 522 |
| Net charge-offs to loans | 0.0791% | 1,969 |
| Credit loss provision to net charge-offs | 271.6514% | 1,032 |
| Earnings coverage of net charge-offs (x) | 28.1017% | 1,641 |
| Efficiency ratio | 68.2734% | 2,419 |
| Assets per employee ($millions) | 5.3904% | 2,161 |
| Cash dividends to net income (ytd only)* | 40.5703% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9461% | 3,760 |
| Loan loss allowance to noncurrent loans | 175.1837% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 1,932 |
| Noncurrent loans to loans | 0.5400% | 2,558 |
| Net loans and leases to total assets | 72.0333% | 2,087 |
| Net loans and leases to deposits | 81.6264% | 2,600 |
| Net loans and leases to core deposits | 87.2774% | 2,676 |
| Total domestic deposits to total assets | 88.2476% | 1,003 |
| Equity capital to assets | 9.1949% | 4,572 |
| Core capital (leverage) ratio | 8.8717% | 4,623 |
| Tier 1 risk-based capital ratio | 10.8735% | 4,903 |
| Total risk-based capital ratio | 11.7640% | 4,938 |
| Memoranda: | ||
| Average total assets | $3,131,800,000 | 309 |
| Average earning assets | $2,854,768,000 | 304 |
| Average equity | $284,860,800 | 359 |
| Average total loans | $2,350,801,200 | 292 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2937% | 877 |
| Cost of funding earning assets | 0.7468% | 2,983 |
| Net interest margin | 4.5469% | 690 |
| Noninterest income to average assets | 1.3737% | 490 |
| Noninterest expense to average assets | 3.7971% | 660 |
| Loan and lease loss provision to assets | 0.2121% | 820 |
| Net operating income to assets | 1.4975% | 1,192 |
| Return on assets (ROA) | 1.4976% | 1,253 |
| Pretax return on assets | 1.4976% | 1,964 |
| Return on Equity (ROE) | 16.5162% | 534 |
| Retained earnings to average equity (ytd only) | 9.5940% | 871 |
| Net charge-offs to loans | 0.0695% | 1,834 |
| Credit loss provision to net charge-offs | 403.1588% | 747 |
| Earnings coverage of net charge-offs (x) | 32.4913% | 1,559 |
| Efficiency ratio | 67.9066% | 2,437 |
| Assets per employee ($millions) | 4.9918% | 2,574 |
| Cash dividends to net income (ytd only)* | 41.9113% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 3,619 |
| Loan loss allowance to noncurrent loans | 160.6425% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 1,680 |
| Noncurrent loans to loans | 0.6169% | 2,429 |
| Net loans and leases to total assets | 76.2425% | 1,438 |
| Net loans and leases to deposits | 86.7996% | 2,092 |
| Net loans and leases to core deposits | 91.7706% | 2,393 |
| Total domestic deposits to total assets | 87.8374% | 1,111 |
| Equity capital to assets | 9.6700% | 4,315 |
| Core capital (leverage) ratio | 8.9886% | 4,648 |
| Tier 1 risk-based capital ratio | 10.9347% | 4,943 |
| Total risk-based capital ratio | 11.8872% | 4,960 |
| Memoranda: | ||
| Average total assets | $3,048,237,250 | 316 |
| Average earning assets | $2,770,824,250 | 312 |
| Average equity | $276,401,000 | 372 |
| Average total loans | $2,308,362,250 | 301 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 882 |
| Cost of funding earning assets | 0.7126% | 3,097 |
| Net interest margin | 4.5441% | 697 |
| Noninterest income to average assets | 1.3939% | 449 |
| Noninterest expense to average assets | 3.8611% | 621 |
| Loan and lease loss provision to assets | 0.2731% | 548 |
| Net operating income to assets | 1.3798% | 1,482 |
| Return on assets (ROA) | 1.3799% | 1,542 |
| Pretax return on assets | 1.3799% | 2,259 |
| Return on Equity (ROE) | 15.5845% | 660 |
| Retained earnings to average equity (ytd only) | 8.9274% | 1,048 |
| Net charge-offs to loans | 0.0756% | 1,613 |
| Credit loss provision to net charge-offs | 480.0937% | 625 |
| Earnings coverage of net charge-offs (x) | 29.0585% | 1,503 |
| Efficiency ratio | 68.8434% | 2,399 |
| Assets per employee ($millions) | 4.8518% | 2,666 |
| Cash dividends to net income (ytd only)* | 42.7165% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,560 |
| Loan loss allowance to noncurrent loans | 167.1048% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 1.1240% | 1,201 |
| Noncurrent loans to loans | 0.6047% | 2,450 |
| Net loans and leases to total assets | 75.2823% | 1,671 |
| Net loans and leases to deposits | 86.9861% | 2,130 |
| Net loans and leases to core deposits | 91.2534% | 2,482 |
| Total domestic deposits to total assets | 86.5452% | 1,798 |
| Equity capital to assets | 9.5523% | 4,356 |
| Core capital (leverage) ratio | 9.0209% | 4,614 |
| Tier 1 risk-based capital ratio | 10.8711% | 4,969 |
| Total risk-based capital ratio | 11.8305% | 4,990 |
| Memoranda: | ||
| Average total assets | $3,002,726,000 | 319 |
| Average earning assets | $2,722,527,670 | 318 |
| Average equity | $265,879,000 | 381 |
| Average total loans | $2,260,332,670 | 306 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2133% | 885 |
| Cost of funding earning assets | 0.6579% | 3,274 |
| Net interest margin | 4.5554% | 671 |
| Noninterest income to average assets | 1.3818% | 447 |
| Noninterest expense to average assets | 4.0454% | 507 |
| Loan and lease loss provision to assets | 0.2102% | 748 |
| Net operating income to assets | 1.2648% | 1,832 |
| Return on assets (ROA) | 1.2648% | 1,880 |
| Pretax return on assets | 1.2648% | 2,583 |
| Return on Equity (ROE) | 14.9032% | 765 |
| Retained earnings to average equity (ytd only) | 7.7113% | 1,764 |
| Net charge-offs to loans | 0.0141% | 2,203 |
| Credit loss provision to net charge-offs | 1,987.1795% | 220 |
| Earnings coverage of net charge-offs (x) | 139.4231% | 535 |
| Efficiency ratio | 72.1014% | 2,030 |
| Assets per employee ($millions) | 4.6377% | 2,994 |
| Cash dividends to net income (ytd only)* | 48.2574% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 3,811 |
| Loan loss allowance to noncurrent loans | 163.8794% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 1.1432% | 1,188 |
| Noncurrent loans to loans | 0.5997% | 2,538 |
| Net loans and leases to total assets | 75.3433% | 1,590 |
| Net loans and leases to deposits | 83.9238% | 2,395 |
| Net loans and leases to core deposits | 87.5460% | 2,735 |
| Total domestic deposits to total assets | 89.7759% | 536 |
| Equity capital to assets | 8.9148% | 4,739 |
| Core capital (leverage) ratio | 8.2183% | 5,132 |
| Tier 1 risk-based capital ratio | 10.1572% | 5,253 |
| Total risk-based capital ratio | 11.0840% | 5,270 |
| Memoranda: | ||
| Average total assets | $2,949,092,000 | 328 |
| Average earning assets | $2,679,279,500 | 326 |
| Average equity | $250,281,000 | 396 |
| Average total loans | $2,207,911,000 | 312 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9892% | 1,067 |
| Cost of funding earning assets | 0.5611% | 2,983 |
| Net interest margin | 4.4281% | 880 |
| Noninterest income to average assets | 1.3167% | 535 |
| Noninterest expense to average assets | 3.7083% | 764 |
| Loan and lease loss provision to assets | 0.1670% | 1,209 |
| Net operating income to assets | 1.4519% | 1,268 |
| Return on assets (ROA) | 1.4520% | 1,258 |
| Pretax return on assets | 1.4520% | 1,946 |
| Return on Equity (ROE) | 17.2941% | 465 |
| Retained earnings to average equity (ytd only) | 8.8979% | 903 |
| Net charge-offs to loans | 0.1645% | 1,172 |
| Credit loss provision to net charge-offs | 140.4933% | 1,926 |
| Earnings coverage of net charge-offs (x) | 13.6219% | 2,440 |
| Efficiency ratio | 68.6250% | 2,447 |
| Assets per employee ($millions) | 4.7794% | 2,769 |
| Cash dividends to net income (ytd only)* | 48.5499% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 3,938 |
| Loan loss allowance to noncurrent loans | 184.5515% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.0337% | 1,318 |
| Noncurrent loans to loans | 0.5171% | 2,730 |
| Net loans and leases to total assets | 72.9330% | 2,113 |
| Net loans and leases to deposits | 80.5909% | 2,890 |
| Net loans and leases to core deposits | 83.9679% | 3,095 |
| Total domestic deposits to total assets | 90.4978% | 321 |
| Equity capital to assets | 8.0557% | 5,141 |
| Core capital (leverage) ratio | 7.8010% | 5,282 |
| Tier 1 risk-based capital ratio | 9.7146% | 5,351 |
| Total risk-based capital ratio | 10.6122% | 5,359 |
| Memoranda: | ||
| Average total assets | $2,695,170,400 | 343 |
| Average earning assets | $2,440,965,600 | 341 |
| Average equity | $226,290,400 | 412 |
| Average total loans | $1,947,526,200 | 334 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 1,125 |
| Cost of funding earning assets | 0.5440% | 2,904 |
| Net interest margin | 4.3717% | 957 |
| Noninterest income to average assets | 1.2910% | 581 |
| Noninterest expense to average assets | 3.5686% | 900 |
| Loan and lease loss provision to assets | 0.1670% | 1,127 |
| Net operating income to assets | 1.5169% | 1,156 |
| Return on assets (ROA) | 1.5172% | 1,151 |
| Pretax return on assets | 1.5172% | 1,848 |
| Return on Equity (ROE) | 17.8678% | 439 |
| Retained earnings to average equity (ytd only) | 9.4626% | 1,055 |
| Net charge-offs to loans | 0.1422% | 1,149 |
| Credit loss provision to net charge-offs | 163.4473% | 1,616 |
| Earnings coverage of net charge-offs (x) | 16.4780% | 2,163 |
| Efficiency ratio | 66.9950% | 2,712 |
| Assets per employee ($millions) | 4.8017% | 2,718 |
| Cash dividends to net income (ytd only)* | 47.0408% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,665 |
| Loan loss allowance to noncurrent loans | 199.0644% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 1,262 |
| Noncurrent loans to loans | 0.5099% | 2,857 |
| Net loans and leases to total assets | 71.1594% | 2,469 |
| Net loans and leases to deposits | 78.6845% | 3,173 |
| Net loans and leases to core deposits | 82.1584% | 3,316 |
| Total domestic deposits to total assets | 90.4365% | 368 |
| Equity capital to assets | 8.0624% | 5,155 |
| Core capital (leverage) ratio | 8.0099% | 5,314 |
| Tier 1 risk-based capital ratio | 10.1144% | 5,360 |
| Total risk-based capital ratio | 11.0641% | 5,373 |
| Memoranda: | ||
| Average total assets | $2,634,130,250 | 347 |
| Average earning assets | $2,387,009,750 | 345 |
| Average equity | $223,666,750 | 413 |
| Average total loans | $1,893,308,500 | 340 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8009% | 1,247 |
| Cost of funding earning assets | 0.5288% | 2,769 |
| Net interest margin | 4.2721% | 1,103 |
| Noninterest income to average assets | 1.2664% | 602 |
| Noninterest expense to average assets | 3.5308% | 956 |
| Loan and lease loss provision to assets | 0.0856% | 2,200 |
| Net operating income to assets | 1.5219% | 1,100 |
| Return on assets (ROA) | 1.5220% | 1,102 |
| Pretax return on assets | 1.5220% | 1,739 |
| Return on Equity (ROE) | 17.5982% | 466 |
| Retained earnings to average equity (ytd only) | 9.6780% | 1,017 |
| Net charge-offs to loans | 0.1756% | 888 |
| Credit loss provision to net charge-offs | 67.8593% | 2,372 |
| Earnings coverage of net charge-offs (x) | 12.7403% | 2,187 |
| Efficiency ratio | 67.9306% | 2,658 |
| Assets per employee ($millions) | 4.5774% | 3,002 |
| Cash dividends to net income (ytd only)* | 45.0059% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,975 |
| Loan loss allowance to noncurrent loans | 209.9064% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 1.0588% | 1,404 |
| Noncurrent loans to loans | 0.4654% | 3,039 |
| Net loans and leases to total assets | 71.5576% | 2,346 |
| Net loans and leases to deposits | 79.4775% | 3,005 |
| Net loans and leases to core deposits | 83.4111% | 3,129 |
| Total domestic deposits to total assets | 90.0350% | 558 |
| Equity capital to assets | 8.4723% | 4,965 |
| Core capital (leverage) ratio | 8.2417% | 5,241 |
| Tier 1 risk-based capital ratio | 10.4342% | 5,296 |
| Total risk-based capital ratio | 11.3490% | 5,334 |
| Memoranda: | ||
| Average total assets | $2,569,443,670 | 353 |
| Average earning assets | $2,328,713,330 | 352 |
| Average equity | $222,216,000 | 415 |
| Average total loans | $1,846,690,330 | 346 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 1,404 |
| Cost of funding earning assets | 0.5158% | 2,668 |
| Net interest margin | 4.1458% | 1,310 |
| Noninterest income to average assets | 0.9894% | 930 |
| Noninterest expense to average assets | 3.3259% | 1,304 |
| Loan and lease loss provision to assets | 0.0397% | 2,961 |
| Net operating income to assets | 1.3940% | 1,361 |
| Return on assets (ROA) | 1.3942% | 1,368 |
| Pretax return on assets | 1.3942% | 2,030 |
| Return on Equity (ROE) | 15.9489% | 630 |
| Retained earnings to average equity (ytd only) | 8.6854% | 1,583 |
| Net charge-offs to loans | 0.0301% | 1,891 |
| Credit loss provision to net charge-offs | 183.8235% | 1,101 |
| Earnings coverage of net charge-offs (x) | 66.4118% | 794 |
| Efficiency ratio | 69.5771% | 2,557 |
| Assets per employee ($millions) | 4.7015% | 2,850 |
| Cash dividends to net income (ytd only)* | 45.5425% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0807% | 3,498 |
| Loan loss allowance to noncurrent loans | 159.0200% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1971% | 1,275 |
| Noncurrent loans to loans | 0.6796% | 2,515 |
| Net loans and leases to total assets | 69.1761% | 2,605 |
| Net loans and leases to deposits | 77.1207% | 3,105 |
| Net loans and leases to core deposits | 94.6755% | 2,083 |
| Total domestic deposits to total assets | 89.6985% | 784 |
| Equity capital to assets | 8.5198% | 4,961 |
| Core capital (leverage) ratio | 8.9821% | 4,694 |
| Tier 1 risk-based capital ratio | 11.5523% | 4,836 |
| Total risk-based capital ratio | 12.5553% | 4,866 |
| Memoranda: | ||
| Average total assets | $2,519,860,000 | 358 |
| Average earning assets | $2,291,566,500 | 358 |
| Average equity | $220,278,000 | 422 |
| Average total loans | $1,805,819,500 | 352 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 896 |
| Cost of funding earning assets | 0.4582% | 2,695 |
| Net interest margin | 4.3897% | 785 |
| Noninterest income to average assets | 0.9781% | 1,073 |
| Noninterest expense to average assets | 3.2287% | 1,548 |
| Loan and lease loss provision to assets | 0.3073% | 555 |
| Net operating income to assets | 1.4433% | 918 |
| Return on assets (ROA) | 1.4433% | 936 |
| Pretax return on assets | 1.4433% | 1,842 |
| Return on Equity (ROE) | 16.1383% | 465 |
| Retained earnings to average equity (ytd only) | 8.5827% | 594 |
| Net charge-offs to loans | 0.2868% | 917 |
| Credit loss provision to net charge-offs | 143.1653% | 1,851 |
| Earnings coverage of net charge-offs (x) | 8.1549% | 2,951 |
| Efficiency ratio | 64.5622% | 3,519 |
| Assets per employee ($millions) | 4.5701% | 3,078 |
| Cash dividends to net income (ytd only)* | 46.8176% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,501 |
| Loan loss allowance to noncurrent loans | 171.5831% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.2275% | 1,191 |
| Noncurrent loans to loans | 0.6234% | 2,663 |
| Net loans and leases to total assets | 72.6887% | 2,136 |
| Net loans and leases to deposits | 81.5578% | 2,759 |
| Net loans and leases to core deposits | 95.8914% | 2,030 |
| Total domestic deposits to total assets | 89.1254% | 946 |
| Equity capital to assets | 8.9737% | 4,748 |
| Core capital (leverage) ratio | 9.0235% | 4,620 |
| Tier 1 risk-based capital ratio | 11.4210% | 4,906 |
| Total risk-based capital ratio | 12.4263% | 4,926 |
| Memoranda: | ||
| Average total assets | $2,375,330,600 | 357 |
| Average earning assets | $2,165,116,600 | 356 |
| Average equity | $212,426,800 | 418 |
| Average total loans | $1,777,749,800 | 343 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 843 |
| Cost of funding earning assets | 0.4386% | 2,822 |
| Net interest margin | 4.4085% | 720 |
| Noninterest income to average assets | 0.9759% | 1,076 |
| Noninterest expense to average assets | 3.1409% | 1,696 |
| Loan and lease loss provision to assets | 0.3513% | 425 |
| Net operating income to assets | 1.5087% | 877 |
| Return on assets (ROA) | 1.5087% | 905 |
| Pretax return on assets | 1.5087% | 1,745 |
| Return on Equity (ROE) | 16.8851% | 442 |
| Retained earnings to average equity (ytd only) | 8.9907% | 842 |
| Net charge-offs to loans | 0.1737% | 1,206 |
| Credit loss provision to net charge-offs | 268.9805% | 1,069 |
| Earnings coverage of net charge-offs (x) | 14.2425% | 2,302 |
| Efficiency ratio | 62.5300% | 3,809 |
| Assets per employee ($millions) | 4.6931% | 2,845 |
| Cash dividends to net income (ytd only)* | 46.7535% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1583% | 3,156 |
| Loan loss allowance to noncurrent loans | 161.0465% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 1,617 |
| Noncurrent loans to loans | 0.7192% | 2,563 |
| Net loans and leases to total assets | 72.9094% | 2,114 |
| Net loans and leases to deposits | 81.7904% | 2,796 |
| Net loans and leases to core deposits | 99.7365% | 1,727 |
| Total domestic deposits to total assets | 89.1418% | 810 |
| Equity capital to assets | 8.9225% | 4,981 |
| Core capital (leverage) ratio | 9.0746% | 4,658 |
| Tier 1 risk-based capital ratio | 11.2814% | 5,091 |
| Total risk-based capital ratio | 12.3805% | 5,064 |
| Memoranda: | ||
| Average total assets | $2,353,342,250 | 357 |
| Average earning assets | $2,148,574,500 | 357 |
| Average equity | $210,271,500 | 422 |
| Average total loans | $1,769,715,250 | 345 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 833 |
| Cost of funding earning assets | 0.4198% | 2,896 |
| Net interest margin | 4.3990% | 706 |
| Noninterest income to average assets | 1.0098% | 999 |
| Noninterest expense to average assets | 3.2231% | 1,529 |
| Loan and lease loss provision to assets | 0.4619% | 262 |
| Net operating income to assets | 1.3438% | 1,187 |
| Return on assets (ROA) | 1.3429% | 1,213 |
| Pretax return on assets | 1.3429% | 2,236 |
| Return on Equity (ROE) | 15.0220% | 655 |
| Retained earnings to average equity (ytd only) | 7.2956% | 1,453 |
| Net charge-offs to loans | 0.2803% | 725 |
| Credit loss provision to net charge-offs | 217.6566% | 1,191 |
| Earnings coverage of net charge-offs (x) | 8.5085% | 2,505 |
| Efficiency ratio | 63.8218% | 3,699 |
| Assets per employee ($millions) | 4.6089% | 2,929 |
| Cash dividends to net income (ytd only)* | 51.4337% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 3,520 |
| Loan loss allowance to noncurrent loans | 113.6178% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 1.2375% | 1,365 |
| Noncurrent loans to loans | 0.9782% | 2,008 |
| Net loans and leases to total assets | 75.1548% | 1,671 |
| Net loans and leases to deposits | 84.4008% | 2,421 |
| Net loans and leases to core deposits | 103.3575% | 1,407 |
| Total domestic deposits to total assets | 89.0452% | 931 |
| Equity capital to assets | 9.0087% | 4,890 |
| Core capital (leverage) ratio | 8.9991% | 4,727 |
| Tier 1 risk-based capital ratio | 11.0187% | 5,238 |
| Total risk-based capital ratio | 12.0728% | 5,260 |
| Memoranda: | ||
| Average total assets | $2,316,496,330 | 367 |
| Average earning assets | $2,116,324,330 | 367 |
| Average equity | $207,082,330 | 426 |
| Average total loans | $1,753,802,670 | 347 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7938% | 757 |
| Cost of funding earning assets | 0.4084% | 2,914 |
| Net interest margin | 4.3854% | 655 |
| Noninterest income to average assets | 0.9568% | 1,087 |
| Noninterest expense to average assets | 3.1628% | 1,711 |
| Loan and lease loss provision to assets | 0.3322% | 371 |
| Net operating income to assets | 1.4544% | 887 |
| Return on assets (ROA) | 1.4544% | 909 |
| Pretax return on assets | 1.4544% | 1,683 |
| Return on Equity (ROE) | 16.3351% | 488 |
| Retained earnings to average equity (ytd only) | 7.3026% | 1,749 |
| Net charge-offs to loans | -0.1104% | 5,477 |
| Credit loss provision to net charge-offs | -398.3229% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6418% | 3,897 |
| Assets per employee ($millions) | 4.4670% | 3,223 |
| Cash dividends to net income (ytd only)* | 55.2951% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 3,547 |
| Loan loss allowance to noncurrent loans | 94.6002% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.9808% | 668 |
| Noncurrent loans to loans | 1.1892% | 1,698 |
| Net loans and leases to total assets | 74.1990% | 1,704 |
| Net loans and leases to deposits | 83.8668% | 2,298 |
| Net loans and leases to core deposits | 103.3610% | 1,262 |
| Total domestic deposits to total assets | 88.4725% | 1,441 |
| Equity capital to assets | 8.9288% | 4,876 |
| Core capital (leverage) ratio | 9.0306% | 4,697 |
| Tier 1 risk-based capital ratio | 11.1992% | 5,207 |
| Total risk-based capital ratio | 12.2601% | 5,213 |
| Memoranda: | ||
| Average total assets | $2,287,943,000 | 372 |
| Average earning assets | $2,083,019,000 | 370 |
| Average equity | $203,708,000 | 435 |
| Average total loans | $1,728,741,000 | 346 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8727% | 779 |
| Cost of funding earning assets | 0.3463% | 3,559 |
| Net interest margin | 4.5264% | 590 |
| Noninterest income to average assets | 0.9937% | 1,165 |
| Noninterest expense to average assets | 3.4299% | 1,293 |
| Loan and lease loss provision to assets | 0.5406% | 252 |
| Net operating income to assets | 1.1620% | 1,641 |
| Return on assets (ROA) | 1.1713% | 1,696 |
| Pretax return on assets | 1.1713% | 2,798 |
| Return on Equity (ROE) | 12.5277% | 1,105 |
| Retained earnings to average equity (ytd only) | 3.1993% | 3,630 |
| Net charge-offs to loans | 0.6254% | 362 |
| Credit loss provision to net charge-offs | 113.3118% | 2,324 |
| Earnings coverage of net charge-offs (x) | 3.5688% | 3,641 |
| Efficiency ratio | 66.5460% | 3,503 |
| Assets per employee ($millions) | 4.3251% | 3,401 |
| Cash dividends to net income (ytd only)* | 74.4619% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 4,349 |
| Loan loss allowance to noncurrent loans | 83.0285% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.9175% | 739 |
| Noncurrent loans to loans | 1.2006% | 1,716 |
| Net loans and leases to total assets | 75.3276% | 1,628 |
| Net loans and leases to deposits | 85.8206% | 2,201 |
| Net loans and leases to core deposits | 102.6460% | 1,399 |
| Total domestic deposits to total assets | 87.7733% | 1,759 |
| Equity capital to assets | 8.8777% | 4,937 |
| Core capital (leverage) ratio | 9.1343% | 4,576 |
| Tier 1 risk-based capital ratio | 11.1263% | 5,272 |
| Total risk-based capital ratio | 12.0698% | 5,321 |
| Memoranda: | ||
| Average total assets | $2,201,366,600 | 369 |
| Average earning assets | $2,012,816,800 | 363 |
| Average equity | $205,823,600 | 422 |
| Average total loans | $1,679,173,600 | 345 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 735 |
| Cost of funding earning assets | 0.3343% | 3,727 |
| Net interest margin | 4.5605% | 544 |
| Noninterest income to average assets | 0.9756% | 1,199 |
| Noninterest expense to average assets | 3.1635% | 1,866 |
| Loan and lease loss provision to assets | 0.4513% | 293 |
| Net operating income to assets | 1.5369% | 817 |
| Return on assets (ROA) | 1.5494% | 839 |
| Pretax return on assets | 1.5494% | 1,539 |
| Return on Equity (ROE) | 16.3575% | 506 |
| Retained earnings to average equity (ytd only) | 7.6653% | 1,329 |
| Net charge-offs to loans | 0.2328% | 1,011 |
| Credit loss provision to net charge-offs | 254.0336% | 1,187 |
| Earnings coverage of net charge-offs (x) | 11.1916% | 2,517 |
| Efficiency ratio | 61.1237% | 4,369 |
| Assets per employee ($millions) | 4.2850% | 3,441 |
| Cash dividends to net income (ytd only)* | 53.1391% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 3,261 |
| Loan loss allowance to noncurrent loans | 90.2027% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 2.2101% | 660 |
| Noncurrent loans to loans | 1.3263% | 1,672 |
| Net loans and leases to total assets | 75.0427% | 1,697 |
| Net loans and leases to deposits | 88.4092% | 1,960 |
| Net loans and leases to core deposits | 104.1972% | 1,330 |
| Total domestic deposits to total assets | 84.8811% | 2,862 |
| Equity capital to assets | 9.6837% | 4,477 |
| Core capital (leverage) ratio | 9.5168% | 4,156 |
| Tier 1 risk-based capital ratio | 11.5756% | 5,041 |
| Total risk-based capital ratio | 12.7016% | 5,025 |
| Memoranda: | ||
| Average total assets | $2,186,207,500 | 372 |
| Average earning assets | $2,001,943,500 | 368 |
| Average equity | $207,076,250 | 425 |
| Average total loans | $1,668,699,750 | 347 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8764% | 761 |
| Cost of funding earning assets | 0.3190% | 3,907 |
| Net interest margin | 4.5574% | 543 |
| Noninterest income to average assets | 0.9224% | 1,307 |
| Noninterest expense to average assets | 3.2012% | 1,808 |
| Loan and lease loss provision to assets | 0.5708% | 204 |
| Net operating income to assets | 1.3432% | 1,179 |
| Return on assets (ROA) | 1.3620% | 1,206 |
| Pretax return on assets | 1.3620% | 2,157 |
| Return on Equity (ROE) | 14.4903% | 750 |
| Retained earnings to average equity (ytd only) | 5.3806% | 2,497 |
| Net charge-offs to loans | 0.1803% | 1,262 |
| Credit loss provision to net charge-offs | 414.1617% | 760 |
| Earnings coverage of net charge-offs (x) | 13.8871% | 2,093 |
| Efficiency ratio | 62.2935% | 4,299 |
| Assets per employee ($millions) | 4.3164% | 3,339 |
| Cash dividends to net income (ytd only)* | 62.8676% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 3,375 |
| Loan loss allowance to noncurrent loans | 76.6166% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.7488% | 1,006 |
| Noncurrent loans to loans | 1.5643% | 1,376 |
| Net loans and leases to total assets | 76.3244% | 1,439 |
| Net loans and leases to deposits | 88.3411% | 1,946 |
| Net loans and leases to core deposits | 102.8184% | 1,415 |
| Total domestic deposits to total assets | 86.3974% | 2,218 |
| Equity capital to assets | 9.5644% | 4,700 |
| Core capital (leverage) ratio | 9.2041% | 4,589 |
| Tier 1 risk-based capital ratio | 11.3199% | 5,267 |
| Total risk-based capital ratio | 12.4682% | 5,219 |
| Memoranda: | ||
| Average total assets | $2,172,217,330 | 377 |
| Average earning assets | $1,998,511,330 | 372 |
| Average equity | $204,178,330 | 426 |
| Average total loans | $1,660,822,330 | 348 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 751 |
| Cost of funding earning assets | 0.3082% | 4,079 |
| Net interest margin | 4.5532% | 550 |
| Noninterest income to average assets | 0.8968% | 1,320 |
| Noninterest expense to average assets | 3.2642% | 1,680 |
| Loan and lease loss provision to assets | 0.9195% | 104 |
| Net operating income to assets | 0.9006% | 2,751 |
| Return on assets (ROA) | 0.9297% | 2,710 |
| Pretax return on assets | 0.9297% | 3,730 |
| Return on Equity (ROE) | 9.9810% | 1,985 |
| Retained earnings to average equity (ytd only) | -2.5825% | 5,441 |
| Net charge-offs to loans | 0.1011% | 1,518 |
| Credit loss provision to net charge-offs | 1,195.6522% | 333 |
| Earnings coverage of net charge-offs (x) | 23.6667% | 1,358 |
| Efficiency ratio | 63.9094% | 4,141 |
| Assets per employee ($millions) | 4.2809% | 3,436 |
| Cash dividends to net income (ytd only)* | 125.8741% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2181% | 3,373 |
| Loan loss allowance to noncurrent loans | 63.4973% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.9390% | 917 |
| Noncurrent loans to loans | 1.9183% | 1,132 |
| Net loans and leases to total assets | 75.8324% | 1,415 |
| Net loans and leases to deposits | 84.5615% | 2,240 |
| Net loans and leases to core deposits | 95.0512% | 1,884 |
| Total domestic deposits to total assets | 89.6772% | 748 |
| Equity capital to assets | 9.2468% | 4,943 |
| Core capital (leverage) ratio | 9.1265% | 4,698 |
| Tier 1 risk-based capital ratio | 11.1167% | 5,443 |
| Total risk-based capital ratio | 12.2734% | 5,403 |
| Memoranda: | ||
| Average total assets | $2,153,328,500 | 377 |
| Average earning assets | $1,980,300,000 | 373 |
| Average equity | $200,581,500 | 429 |
| Average total loans | $1,637,619,500 | 348 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9074% | 755 |
| Cost of funding earning assets | 0.2983% | 4,266 |
| Net interest margin | 4.6091% | 539 |
| Noninterest income to average assets | 1.0462% | 1,081 |
| Noninterest expense to average assets | 3.0543% | 2,366 |
| Loan and lease loss provision to assets | 0.2349% | 831 |
| Net operating income to assets | 1.9800% | 355 |
| Return on assets (ROA) | 1.9962% | 355 |
| Pretax return on assets | 1.9962% | 540 |
| Return on Equity (ROE) | 21.9383% | 179 |
| Retained earnings to average equity (ytd only) | 11.2116% | 327 |
| Net charge-offs to loans | 0.1818% | 1,585 |
| Credit loss provision to net charge-offs | 178.1778% | 1,524 |
| Earnings coverage of net charge-offs (x) | 16.7990% | 2,109 |
| Efficiency ratio | 57.6693% | 5,178 |
| Assets per employee ($millions) | 4.2386% | 3,508 |
| Cash dividends to net income (ytd only)* | 48.8947% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 4,719 |
| Loan loss allowance to noncurrent loans | 115.2648% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1454% | 1,906 |
| Noncurrent loans to loans | 0.8497% | 2,662 |
| Net loans and leases to total assets | 74.5846% | 1,632 |
| Net loans and leases to deposits | 83.3418% | 2,445 |
| Net loans and leases to core deposits | 89.2185% | 2,474 |
| Total domestic deposits to total assets | 89.4924% | 860 |
| Equity capital to assets | 9.3842% | 4,695 |
| Core capital (leverage) ratio | 9.3317% | 4,427 |
| Tier 1 risk-based capital ratio | 11.3290% | 5,363 |
| Total risk-based capital ratio | 12.2371% | 5,430 |
| Memoranda: | ||
| Average total assets | $2,064,511,800 | 374 |
| Average earning assets | $1,891,612,800 | 369 |
| Average equity | $187,849,600 | 438 |
| Average total loans | $1,497,357,000 | 351 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 767 |
| Cost of funding earning assets | 0.2985% | 4,357 |
| Net interest margin | 4.5976% | 545 |
| Noninterest income to average assets | 1.0604% | 1,066 |
| Noninterest expense to average assets | 2.9517% | 2,667 |
| Loan and lease loss provision to assets | 0.2476% | 695 |
| Net operating income to assets | 2.0705% | 321 |
| Return on assets (ROA) | 2.0922% | 331 |
| Pretax return on assets | 2.0922% | 506 |
| Return on Equity (ROE) | 23.1836% | 156 |
| Retained earnings to average equity (ytd only) | 10.4422% | 561 |
| Net charge-offs to loans | 0.1067% | 2,063 |
| Credit loss provision to net charge-offs | 323.1293% | 905 |
| Earnings coverage of net charge-offs (x) | 30.2560% | 1,486 |
| Efficiency ratio | 55.7134% | 5,388 |
| Assets per employee ($millions) | 4.3798% | 3,197 |
| Cash dividends to net income (ytd only)* | 54.9588% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 4,552 |
| Loan loss allowance to noncurrent loans | 163.2520% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 2,339 |
| Noncurrent loans to loans | 0.6341% | 3,418 |
| Net loans and leases to total assets | 73.9224% | 1,746 |
| Net loans and leases to deposits | 82.9632% | 2,533 |
| Net loans and leases to core deposits | 87.9181% | 2,667 |
| Total domestic deposits to total assets | 89.1026% | 975 |
| Equity capital to assets | 9.2082% | 5,103 |
| Core capital (leverage) ratio | 9.1361% | 4,829 |
| Tier 1 risk-based capital ratio | 11.1888% | 5,555 |
| Total risk-based capital ratio | 12.1472% | 5,628 |
| Memoranda: | ||
| Average total assets | $2,046,582,250 | 378 |
| Average earning assets | $1,873,760,500 | 376 |
| Average equity | $184,695,000 | 447 |
| Average total loans | $1,469,432,000 | 359 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 825 |
| Cost of funding earning assets | 0.2965% | 4,431 |
| Net interest margin | 4.5408% | 586 |
| Noninterest income to average assets | 1.0676% | 1,050 |
| Noninterest expense to average assets | 2.9301% | 2,787 |
| Loan and lease loss provision to assets | 0.2071% | 941 |
| Net operating income to assets | 2.0827% | 315 |
| Return on assets (ROA) | 2.0911% | 324 |
| Pretax return on assets | 2.0911% | 497 |
| Return on Equity (ROE) | 23.3354% | 154 |
| Retained earnings to average equity (ytd only) | 8.4784% | 1,082 |
| Net charge-offs to loans | 0.1170% | 1,832 |
| Credit loss provision to net charge-offs | 250.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 27.6417% | 1,446 |
| Efficiency ratio | 55.8247% | 5,446 |
| Assets per employee ($millions) | 4.4646% | 3,040 |
| Cash dividends to net income (ytd only)* | 63.6672% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 4,958 |
| Loan loss allowance to noncurrent loans | 498.1934% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.6943% | 3,317 |
| Noncurrent loans to loans | 0.1970% | 4,990 |
| Net loans and leases to total assets | 73.0044% | 1,822 |
| Net loans and leases to deposits | 83.6580% | 2,353 |
| Net loans and leases to core deposits | 89.0472% | 2,445 |
| Total domestic deposits to total assets | 87.2653% | 2,030 |
| Equity capital to assets | 8.9309% | 5,300 |
| Core capital (leverage) ratio | 8.9845% | 4,993 |
| Tier 1 risk-based capital ratio | 11.2475% | 5,600 |
| Total risk-based capital ratio | 12.1603% | 5,677 |
| Memoranda: | ||
| Average total assets | $2,028,015,000 | 382 |
| Average earning assets | $1,854,463,670 | 378 |
| Average equity | $181,732,330 | 455 |
| Average total loans | $1,435,804,670 | 364 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 888 |
| Cost of funding earning assets | 0.2981% | 4,461 |
| Net interest margin | 4.4871% | 615 |
| Noninterest income to average assets | 1.0103% | 1,098 |
| Noninterest expense to average assets | 2.8520% | 3,064 |
| Loan and lease loss provision to assets | 0.2087% | 861 |
| Net operating income to assets | 2.0291% | 324 |
| Return on assets (ROA) | 2.0291% | 339 |
| Pretax return on assets | 2.0291% | 554 |
| Return on Equity (ROE) | 22.6043% | 161 |
| Retained earnings to average equity (ytd only) | 7.5510% | 1,740 |
| Net charge-offs to loans | 0.1342% | 1,444 |
| Credit loss provision to net charge-offs | 224.3590% | 975 |
| Earnings coverage of net charge-offs (x) | 24.0620% | 1,306 |
| Efficiency ratio | 55.7100% | 5,538 |
| Assets per employee ($millions) | 4.6180% | 2,879 |
| Cash dividends to net income (ytd only)* | 66.5948% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 5,017 |
| Loan loss allowance to noncurrent loans | 755.6087% | 701 |
| Noncurrent assets plus other real estate owned to assets | 1.2588% | 2,119 |
| Noncurrent loans to loans | 0.1325% | 5,305 |
| Net loans and leases to total assets | 68.4131% | 2,380 |
| Net loans and leases to deposits | 75.6019% | 3,100 |
| Net loans and leases to core deposits | 79.3150% | 3,246 |
| Total domestic deposits to total assets | 90.4913% | 531 |
| Equity capital to assets | 8.9915% | 5,301 |
| Core capital (leverage) ratio | 9.0587% | 4,887 |
| Tier 1 risk-based capital ratio | 11.5324% | 5,541 |
| Total risk-based capital ratio | 12.4473% | 5,627 |
| Memoranda: | ||
| Average total assets | $2,012,928,000 | 381 |
| Average earning assets | $1,830,062,500 | 380 |
| Average equity | $180,691,000 | 459 |
| Average total loans | $1,394,977,500 | 369 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0044% | 763 |
| Cost of funding earning assets | 0.3469% | 4,284 |
| Net interest margin | 4.6575% | 560 |
| Noninterest income to average assets | 1.0884% | 1,022 |
| Noninterest expense to average assets | 2.8926% | 3,173 |
| Loan and lease loss provision to assets | 0.1640% | 1,601 |
| Net operating income to assets | 2.2722% | 195 |
| Return on assets (ROA) | 2.2840% | 196 |
| Pretax return on assets | 2.2840% | 270 |
| Return on Equity (ROE) | 28.5982% | 70 |
| Retained earnings to average equity (ytd only) | 19.4285% | 69 |
| Net charge-offs to loans | 0.1771% | 2,257 |
| Credit loss provision to net charge-offs | 131.9381% | 1,805 |
| Earnings coverage of net charge-offs (x) | 19.5992% | 1,773 |
| Efficiency ratio | 53.9033% | 5,850 |
| Assets per employee ($millions) | 4.5834% | 2,896 |
| Cash dividends to net income (ytd only)* | 32.0640% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 5,086 |
| Loan loss allowance to noncurrent loans | 797.6009% | 729 |
| Noncurrent assets plus other real estate owned to assets | 1.2980% | 2,172 |
| Noncurrent loans to loans | 0.1248% | 5,403 |
| Net loans and leases to total assets | 68.8138% | 2,438 |
| Net loans and leases to deposits | 76.0560% | 3,192 |
| Net loans and leases to core deposits | 79.7498% | 3,321 |
| Total domestic deposits to total assets | 90.4778% | 549 |
| Equity capital to assets | 8.9609% | 5,332 |
| Core capital (leverage) ratio | 9.1338% | 4,772 |
| Tier 1 risk-based capital ratio | 12.0704% | 5,314 |
| Total risk-based capital ratio | 13.0230% | 5,420 |
| Memoranda: | ||
| Average total assets | $1,768,301,200 | 409 |
| Average earning assets | $1,609,882,400 | 405 |
| Average equity | $141,225,600 | 517 |
| Average total loans | $1,241,259,400 | 382 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0223% | 742 |
| Cost of funding earning assets | 0.3572% | 4,266 |
| Net interest margin | 4.6651% | 536 |
| Noninterest income to average assets | 1.1022% | 1,000 |
| Noninterest expense to average assets | 2.8936% | 3,144 |
| Loan and lease loss provision to assets | 0.1203% | 2,067 |
| Net operating income to assets | 2.3361% | 184 |
| Return on assets (ROA) | 2.3390% | 188 |
| Pretax return on assets | 2.3390% | 289 |
| Return on Equity (ROE) | 30.3491% | 57 |
| Retained earnings to average equity (ytd only) | 21.6874% | 55 |
| Net charge-offs to loans | 0.1589% | 2,217 |
| Credit loss provision to net charge-offs | 107.5642% | 2,070 |
| Earnings coverage of net charge-offs (x) | 21.9604% | 1,653 |
| Efficiency ratio | 53.6976% | 5,852 |
| Assets per employee ($millions) | 4.2853% | 3,316 |
| Cash dividends to net income (ytd only)* | 28.5401% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9980% | 5,230 |
| Loan loss allowance to noncurrent loans | 596.4318% | 857 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 2,195 |
| Noncurrent loans to loans | 0.1673% | 5,410 |
| Net loans and leases to total assets | 71.0136% | 2,023 |
| Net loans and leases to deposits | 77.8589% | 2,965 |
| Net loans and leases to core deposits | 80.3740% | 3,275 |
| Total domestic deposits to total assets | 91.2081% | 302 |
| Equity capital to assets | 8.0875% | 6,089 |
| Core capital (leverage) ratio | 8.1262% | 5,990 |
| Tier 1 risk-based capital ratio | 10.5474% | 6,192 |
| Total risk-based capital ratio | 11.5028% | 6,248 |
| Memoranda: | ||
| Average total assets | $1,717,662,500 | 414 |
| Average earning assets | $1,564,034,750 | 410 |
| Average equity | $132,380,500 | 547 |
| Average total loans | $1,209,111,250 | 385 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0139% | 732 |
| Cost of funding earning assets | 0.3642% | 4,267 |
| Net interest margin | 4.6497% | 531 |
| Noninterest income to average assets | 1.0758% | 1,030 |
| Noninterest expense to average assets | 2.8837% | 3,226 |
| Loan and lease loss provision to assets | 0.0594% | 3,083 |
| Net operating income to assets | 2.3551% | 175 |
| Return on assets (ROA) | 2.3530% | 182 |
| Pretax return on assets | 2.3530% | 275 |
| Return on Equity (ROE) | 31.0840% | 52 |
| Retained earnings to average equity (ytd only) | 17.5842% | 129 |
| Net charge-offs to loans | 0.0456% | 3,328 |
| Credit loss provision to net charge-offs | 186.5672% | 1,238 |
| Earnings coverage of net charge-offs (x) | 75.8209% | 697 |
| Efficiency ratio | 54.0280% | 5,910 |
| Assets per employee ($millions) | 4.1252% | 3,601 |
| Cash dividends to net income (ytd only)* | 43.4300% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 5,102 |
| Loan loss allowance to noncurrent loans | 360.2792% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 1.5666% | 2,082 |
| Noncurrent loans to loans | 0.2923% | 5,141 |
| Net loans and leases to total assets | 72.0586% | 1,736 |
| Net loans and leases to deposits | 79.0514% | 2,651 |
| Net loans and leases to core deposits | 81.8761% | 2,987 |
| Total domestic deposits to total assets | 91.1540% | 363 |
| Equity capital to assets | 7.9577% | 6,178 |
| Core capital (leverage) ratio | 7.8902% | 6,160 |
| Tier 1 risk-based capital ratio | 10.1286% | 6,357 |
| Total risk-based capital ratio | 11.1271% | 6,402 |
| Memoranda: | ||
| Average total assets | $1,683,134,670 | 420 |
| Average earning assets | $1,528,433,000 | 414 |
| Average equity | $127,409,670 | 563 |
| Average total loans | $1,176,691,670 | 389 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 833 |
| Cost of funding earning assets | 0.3658% | 4,371 |
| Net interest margin | 4.5580% | 597 |
| Noninterest income to average assets | 1.1054% | 912 |
| Noninterest expense to average assets | 2.9007% | 3,216 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.3376% | 191 |
| Return on assets (ROA) | 2.3383% | 200 |
| Pretax return on assets | 2.3383% | 291 |
| Return on Equity (ROE) | 31.7274% | 57 |
| Retained earnings to average equity (ytd only) | 21.6324% | 94 |
| Net charge-offs to loans | 0.0365% | 2,880 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 93.6538% | 479 |
| Efficiency ratio | 54.9666% | 5,928 |
| Assets per employee ($millions) | 4.3054% | 3,328 |
| Cash dividends to net income (ytd only)* | 31.8177% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 5,049 |
| Loan loss allowance to noncurrent loans | 414.8819% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 1.5358% | 2,303 |
| Noncurrent loans to loans | 0.2690% | 5,298 |
| Net loans and leases to total assets | 66.8241% | 2,426 |
| Net loans and leases to deposits | 73.0710% | 3,192 |
| Net loans and leases to core deposits | 75.1468% | 3,512 |
| Total domestic deposits to total assets | 91.4509% | 395 |
| Equity capital to assets | 7.5216% | 6,307 |
| Core capital (leverage) ratio | 7.7225% | 6,262 |
| Tier 1 risk-based capital ratio | 10.5409% | 6,318 |
| Total risk-based capital ratio | 11.5899% | 6,339 |
| Memoranda: | ||
| Average total assets | $1,666,657,500 | 426 |
| Average earning assets | $1,511,190,500 | 422 |
| Average equity | $122,834,000 | 587 |
| Average total loans | $1,140,162,500 | 403 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2386% | 589 |
| Cost of funding earning assets | 0.4258% | 4,371 |
| Net interest margin | 4.8128% | 422 |
| Noninterest income to average assets | 1.2174% | 950 |
| Noninterest expense to average assets | 3.2439% | 2,298 |
| Loan and lease loss provision to assets | 0.1737% | 2,129 |
| Net operating income to assets | 2.1404% | 270 |
| Return on assets (ROA) | 2.1445% | 270 |
| Pretax return on assets | 2.1306% | 361 |
| Return on Equity (ROE) | 27.5303% | 97 |
| Retained earnings to average equity (ytd only) | 16.0132% | 148 |
| Net charge-offs to loans | -0.1474% | 6,561 |
| Credit loss provision to net charge-offs | -171.7033% | 5,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0642% | 5,729 |
| Assets per employee ($millions) | 4.1022% | 3,647 |
| Cash dividends to net income (ytd only)* | 41.8341% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 4,940 |
| Loan loss allowance to noncurrent loans | 423.7627% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 1.6320% | 2,268 |
| Noncurrent loans to loans | 0.2697% | 5,371 |
| Net loans and leases to total assets | 68.4848% | 2,264 |
| Net loans and leases to deposits | 74.5987% | 3,176 |
| Net loans and leases to core deposits | 76.5737% | 3,546 |
| Total domestic deposits to total assets | 91.8043% | 329 |
| Equity capital to assets | 7.2122% | 6,395 |
| Core capital (leverage) ratio | 7.8254% | 6,229 |
| Tier 1 risk-based capital ratio | 10.1429% | 6,476 |
| Total risk-based capital ratio | 11.2167% | 6,494 |
| Memoranda: | ||
| Average total assets | $1,439,011,000 | 468 |
| Average earning assets | $1,293,649,600 | 475 |
| Average equity | $112,094,800 | 627 |
| Average total loans | $987,742,000 | 433 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2398% | 598 |
| Cost of funding earning assets | 0.4453% | 4,332 |
| Net interest margin | 4.7944% | 434 |
| Noninterest income to average assets | 1.2408% | 955 |
| Noninterest expense to average assets | 3.2212% | 2,299 |
| Loan and lease loss provision to assets | 0.2397% | 1,503 |
| Net operating income to assets | 2.0980% | 307 |
| Return on assets (ROA) | 2.1036% | 312 |
| Pretax return on assets | 2.0848% | 489 |
| Return on Equity (ROE) | 26.4298% | 97 |
| Retained earnings to average equity (ytd only) | 14.4316% | 232 |
| Net charge-offs to loans | -0.2577% | 6,698 |
| Credit loss provision to net charge-offs | -135.8696% | 5,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6789% | 5,729 |
| Assets per employee ($millions) | 3.8208% | 4,190 |
| Cash dividends to net income (ytd only)* | 45.3965% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 4,475 |
| Loan loss allowance to noncurrent loans | 626.1994% | 729 |
| Noncurrent assets plus other real estate owned to assets | 1.7157% | 2,391 |
| Noncurrent loans to loans | 0.2051% | 5,729 |
| Net loans and leases to total assets | 68.4818% | 2,229 |
| Net loans and leases to deposits | 75.0454% | 3,086 |
| Net loans and leases to core deposits | 76.9802% | 3,502 |
| Total domestic deposits to total assets | 91.2538% | 441 |
| Equity capital to assets | 7.6118% | 6,347 |
| Core capital (leverage) ratio | 7.9888% | 6,229 |
| Tier 1 risk-based capital ratio | 10.4763% | 6,461 |
| Total risk-based capital ratio | 11.6779% | 6,442 |
| Memoranda: | ||
| Average total assets | $1,390,593,250 | 488 |
| Average earning assets | $1,246,999,500 | 485 |
| Average equity | $110,680,250 | 643 |
| Average total loans | $951,910,500 | 446 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2336% | 595 |
| Cost of funding earning assets | 0.4590% | 4,326 |
| Net interest margin | 4.7746% | 448 |
| Noninterest income to average assets | 1.2347% | 1,021 |
| Noninterest expense to average assets | 3.2909% | 2,098 |
| Loan and lease loss provision to assets | 0.3687% | 890 |
| Net operating income to assets | 1.8821% | 439 |
| Return on assets (ROA) | 1.8907% | 466 |
| Pretax return on assets | 1.8617% | 802 |
| Return on Equity (ROE) | 23.3795% | 161 |
| Retained earnings to average equity (ytd only) | 8.8631% | 1,171 |
| Net charge-offs to loans | -0.3811% | 6,792 |
| Credit loss provision to net charge-offs | -142.0455% | 5,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2199% | 5,578 |
| Assets per employee ($millions) | 3.6176% | 4,580 |
| Cash dividends to net income (ytd only)* | 62.0905% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,222 |
| Loan loss allowance to noncurrent loans | 721.9313% | 627 |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 2,505 |
| Noncurrent loans to loans | 0.1881% | 5,847 |
| Net loans and leases to total assets | 67.7721% | 2,294 |
| Net loans and leases to deposits | 74.1749% | 3,127 |
| Net loans and leases to core deposits | 76.4981% | 3,485 |
| Total domestic deposits to total assets | 91.3679% | 418 |
| Equity capital to assets | 7.3551% | 6,489 |
| Core capital (leverage) ratio | 7.9205% | 6,239 |
| Tier 1 risk-based capital ratio | 10.4896% | 6,505 |
| Total risk-based capital ratio | 11.7399% | 6,481 |
| Memoranda: | ||
| Average total assets | $1,356,147,000 | 497 |
| Average earning assets | $1,215,144,670 | 496 |
| Average equity | $109,668,670 | 651 |
| Average total loans | $923,752,670 | 454 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2298% | 576 |
| Cost of funding earning assets | 0.4690% | 4,380 |
| Net interest margin | 4.7608% | 432 |
| Noninterest income to average assets | 1.2684% | 951 |
| Noninterest expense to average assets | 3.2020% | 2,347 |
| Loan and lease loss provision to assets | 0.6641% | 361 |
| Net operating income to assets | 1.5210% | 824 |
| Return on assets (ROA) | 1.5210% | 898 |
| Pretax return on assets | 1.6523% | 1,187 |
| Return on Equity (ROE) | 17.9401% | 437 |
| Retained earnings to average equity (ytd only) | 9.0395% | 1,372 |
| Net charge-offs to loans | 0.1612% | 2,437 |
| Credit loss provision to net charge-offs | 607.7348% | 445 |
| Earnings coverage of net charge-offs (x) | 21.1989% | 1,165 |
| Efficiency ratio | 57.5429% | 5,900 |
| Assets per employee ($millions) | 3.6352% | 4,712 |
| Cash dividends to net income (ytd only)* | 49.6130% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 5,287 |
| Loan loss allowance to noncurrent loans | 319.3796% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 1.9952% | 2,352 |
| Noncurrent loans to loans | 0.3681% | 5,480 |
| Net loans and leases to total assets | 67.5660% | 2,099 |
| Net loans and leases to deposits | 74.8405% | 2,796 |
| Net loans and leases to core deposits | 76.8580% | 3,222 |
| Total domestic deposits to total assets | 90.2800% | 892 |
| Equity capital to assets | 8.3769% | 6,124 |
| Core capital (leverage) ratio | 8.0235% | 6,120 |
| Tier 1 risk-based capital ratio | 10.6934% | 6,524 |
| Total risk-based capital ratio | 11.7795% | 6,543 |
| Memoranda: | ||
| Average total assets | $1,325,164,500 | 502 |
| Average earning assets | $1,182,995,500 | 506 |
| Average equity | $112,351,500 | 644 |
| Average total loans | $898,470,500 | 466 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4856% | 641 |
| Cost of funding earning assets | 0.5955% | 4,400 |
| Net interest margin | 4.8901% | 456 |
| Noninterest income to average assets | 1.2879% | 929 |
| Noninterest expense to average assets | 3.3905% | 2,071 |
| Loan and lease loss provision to assets | 0.4400% | 1,441 |
| Net operating income to assets | 1.7009% | 614 |
| Return on assets (ROA) | 1.7814% | 591 |
| Pretax return on assets | 1.8723% | 791 |
| Return on Equity (ROE) | 20.1426% | 299 |
| Retained earnings to average equity (ytd only) | 11.0530% | 436 |
| Net charge-offs to loans | 0.5572% | 2,073 |
| Credit loss provision to net charge-offs | 119.4578% | 2,402 |
| Earnings coverage of net charge-offs (x) | 6.0476% | 2,883 |
| Efficiency ratio | 59.8120% | 5,570 |
| Assets per employee ($millions) | 3.6978% | 4,566 |
| Cash dividends to net income (ytd only)* | 45.1264% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 5,888 |
| Loan loss allowance to noncurrent loans | 435.3712% | 921 |
| Noncurrent assets plus other real estate owned to assets | 1.9574% | 2,501 |
| Noncurrent loans to loans | 0.2349% | 5,892 |
| Net loans and leases to total assets | 66.5269% | 2,449 |
| Net loans and leases to deposits | 73.8100% | 3,125 |
| Net loans and leases to core deposits | 76.6157% | 3,445 |
| Total domestic deposits to total assets | 90.1325% | 882 |
| Equity capital to assets | 8.5828% | 5,979 |
| Core capital (leverage) ratio | 8.4360% | 5,709 |
| Tier 1 risk-based capital ratio | 10.9898% | 6,349 |
| Total risk-based capital ratio | 11.9397% | 6,443 |
| Memoranda: | ||
| Average total assets | $1,181,770,000 | 556 |
| Average earning assets | $1,046,471,400 | 564 |
| Average equity | $104,515,000 | 677 |
| Average total loans | $781,228,400 | 522 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4996% | 677 |
| Cost of funding earning assets | 0.6296% | 4,369 |
| Net interest margin | 4.8701% | 500 |
| Noninterest income to average assets | 1.2834% | 898 |
| Noninterest expense to average assets | 3.4268% | 1,938 |
| Loan and lease loss provision to assets | 0.4113% | 1,555 |
| Net operating income to assets | 1.6370% | 783 |
| Return on assets (ROA) | 1.7314% | 713 |
| Pretax return on assets | 1.8590% | 944 |
| Return on Equity (ROE) | 19.4145% | 372 |
| Retained earnings to average equity (ytd only) | 11.2953% | 640 |
| Net charge-offs to loans | 0.1683% | 3,770 |
| Credit loss provision to net charge-offs | 371.3389% | 728 |
| Earnings coverage of net charge-offs (x) | 19.5827% | 1,487 |
| Efficiency ratio | 60.6861% | 5,380 |
| Assets per employee ($millions) | 3.5489% | 4,850 |
| Cash dividends to net income (ytd only)* | 41.8200% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 4,889 |
| Loan loss allowance to noncurrent loans | 456.9480% | 832 |
| Noncurrent assets plus other real estate owned to assets | 2.3589% | 2,254 |
| Noncurrent loans to loans | 0.2809% | 5,930 |
| Net loans and leases to total assets | 68.9426% | 2,124 |
| Net loans and leases to deposits | 77.9926% | 2,661 |
| Net loans and leases to core deposits | 81.1830% | 3,064 |
| Total domestic deposits to total assets | 88.3964% | 1,792 |
| Equity capital to assets | 9.1725% | 5,626 |
| Core capital (leverage) ratio | 8.6375% | 5,569 |
| Tier 1 risk-based capital ratio | 11.3883% | 6,305 |
| Total risk-based capital ratio | 12.5985% | 6,292 |
| Memoranda: | ||
| Average total assets | $1,150,885,250 | 575 |
| Average earning assets | $1,019,073,500 | 582 |
| Average equity | $102,635,750 | 695 |
| Average total loans | $757,197,000 | 539 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4089% | 856 |
| Cost of funding earning assets | 0.6599% | 4,364 |
| Net interest margin | 4.7491% | 615 |
| Noninterest income to average assets | 1.2678% | 889 |
| Noninterest expense to average assets | 3.3976% | 2,037 |
| Loan and lease loss provision to assets | 0.5546% | 1,107 |
| Net operating income to assets | 1.3499% | 1,310 |
| Return on assets (ROA) | 1.4232% | 1,275 |
| Pretax return on assets | 1.5789% | 1,611 |
| Return on Equity (ROE) | 16.1207% | 754 |
| Retained earnings to average equity (ytd only) | 7.6445% | 1,789 |
| Net charge-offs to loans | 0.1157% | 4,015 |
| Credit loss provision to net charge-offs | 744.6809% | 429 |
| Earnings coverage of net charge-offs (x) | 27.5508% | 1,130 |
| Efficiency ratio | 61.7706% | 5,285 |
| Assets per employee ($millions) | 3.5431% | 4,885 |
| Cash dividends to net income (ytd only)* | 52.5795% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 4,484 |
| Loan loss allowance to noncurrent loans | 184.1052% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 3.5863% | 1,473 |
| Noncurrent loans to loans | 0.7582% | 4,996 |
| Net loans and leases to total assets | 65.5658% | 2,757 |
| Net loans and leases to deposits | 74.3147% | 3,237 |
| Net loans and leases to core deposits | 77.6496% | 3,567 |
| Total domestic deposits to total assets | 88.2273% | 2,005 |
| Equity capital to assets | 8.8253% | 5,885 |
| Core capital (leverage) ratio | 8.3868% | 5,806 |
| Tier 1 risk-based capital ratio | 11.2695% | 6,357 |
| Total risk-based capital ratio | 12.5198% | 6,338 |
| Memoranda: | ||
| Average total assets | $1,135,859,000 | 582 |
| Average earning assets | $1,000,195,330 | 595 |
| Average equity | $100,281,000 | 712 |
| Average total loans | $731,179,670 | 559 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4105% | 893 |
| Cost of funding earning assets | 0.7059% | 4,225 |
| Net interest margin | 4.7046% | 678 |
| Noninterest income to average assets | 1.1290% | 1,108 |
| Noninterest expense to average assets | 3.4640% | 1,834 |
| Loan and lease loss provision to assets | 0.6433% | 852 |
| Net operating income to assets | 0.9847% | 2,535 |
| Return on assets (ROA) | 0.9847% | 2,733 |
| Pretax return on assets | 1.1426% | 3,152 |
| Return on Equity (ROE) | 11.1507% | 1,960 |
| Retained earnings to average equity (ytd only) | 2.0440% | 5,250 |
| Net charge-offs to loans | 0.1700% | 3,069 |
| Credit loss provision to net charge-offs | 598.0066% | 573 |
| Earnings coverage of net charge-offs (x) | 16.6013% | 1,350 |
| Efficiency ratio | 65.3755% | 4,675 |
| Assets per employee ($millions) | 3.6152% | 4,840 |
| Cash dividends to net income (ytd only)* | 81.6697% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3736% | 4,712 |
| Loan loss allowance to noncurrent loans | 140.6547% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 3.6775% | 1,543 |
| Noncurrent loans to loans | 0.9766% | 4,726 |
| Net loans and leases to total assets | 60.1141% | 3,641 |
| Net loans and leases to deposits | 67.6092% | 4,125 |
| Net loans and leases to core deposits | 71.0831% | 4,280 |
| Total domestic deposits to total assets | 88.9142% | 1,752 |
| Equity capital to assets | 8.6130% | 5,977 |
| Core capital (leverage) ratio | 8.2858% | 5,895 |
| Tier 1 risk-based capital ratio | 11.9193% | 6,015 |
| Total risk-based capital ratio | 13.1599% | 6,015 |
| Memoranda: | ||
| Average total assets | $1,119,178,500 | 589 |
| Average earning assets | $980,308,500 | 606 |
| Average equity | $98,828,000 | 723 |
| Average total loans | $708,038,500 | 580 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8035% | 639 |
| Cost of funding earning assets | 1.0446% | 3,068 |
| Net interest margin | 4.7589% | 677 |
| Noninterest income to average assets | 1.3804% | 671 |
| Noninterest expense to average assets | 3.5407% | 1,885 |
| Loan and lease loss provision to assets | 0.7103% | 1,438 |
| Net operating income to assets | 1.2768% | 1,300 |
| Return on assets (ROA) | 1.3181% | 1,296 |
| Pretax return on assets | 1.3803% | 1,841 |
| Return on Equity (ROE) | 14.9116% | 756 |
| Retained earnings to average equity (ytd only) | 7.5221% | 1,270 |
| Net charge-offs to loans | 1.3494% | 1,224 |
| Credit loss provision to net charge-offs | 76.6242% | 4,615 |
| Earnings coverage of net charge-offs (x) | 2.2084% | 4,126 |
| Efficiency ratio | 62.7531% | 5,338 |
| Assets per employee ($millions) | 3.4784% | 5,072 |
| Cash dividends to net income (ytd only)* | 49.5555% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 5,677 |
| Loan loss allowance to noncurrent loans | 78.0596% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 4.2258% | 1,332 |
| Noncurrent loans to loans | 1.4552% | 3,983 |
| Net loans and leases to total assets | 64.9599% | 2,996 |
| Net loans and leases to deposits | 73.5067% | 3,577 |
| Net loans and leases to core deposits | 76.7541% | 3,870 |
| Total domestic deposits to total assets | 88.3727% | 1,923 |
| Equity capital to assets | 9.0600% | 5,482 |
| Core capital (leverage) ratio | 8.5743% | 5,436 |
| Tier 1 risk-based capital ratio | 11.7555% | 5,989 |
| Total risk-based capital ratio | 12.7951% | 6,119 |
| Memoranda: | ||
| Average total assets | $1,041,059,000 | 637 |
| Average earning assets | $920,444,200 | 646 |
| Average equity | $92,022,400 | 738 |
| Average total loans | $715,229,600 | 578 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8503% | 623 |
| Cost of funding earning assets | 1.1255% | 2,792 |
| Net interest margin | 4.7248% | 720 |
| Noninterest income to average assets | 1.3921% | 675 |
| Noninterest expense to average assets | 3.5357% | 1,842 |
| Loan and lease loss provision to assets | 0.7961% | 1,173 |
| Net operating income to assets | 1.1284% | 1,885 |
| Return on assets (ROA) | 1.1811% | 1,826 |
| Pretax return on assets | 1.3093% | 2,257 |
| Return on Equity (ROE) | 13.4513% | 1,170 |
| Retained earnings to average equity (ytd only) | 4.3038% | 3,668 |
| Net charge-offs to loans | 0.5643% | 2,551 |
| Credit loss provision to net charge-offs | 203.0063% | 1,443 |
| Earnings coverage of net charge-offs (x) | 5.2194% | 2,847 |
| Efficiency ratio | 62.7199% | 5,287 |
| Assets per employee ($millions) | 3.3985% | 5,248 |
| Cash dividends to net income (ytd only)* | 68.0048% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 2,741 |
| Loan loss allowance to noncurrent loans | 102.6850% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 3.5645% | 1,761 |
| Noncurrent loans to loans | 1.8137% | 3,623 |
| Net loans and leases to total assets | 67.3059% | 2,610 |
| Net loans and leases to deposits | 76.5271% | 3,242 |
| Net loans and leases to core deposits | 80.0130% | 3,637 |
| Total domestic deposits to total assets | 87.9504% | 2,058 |
| Equity capital to assets | 8.9324% | 5,830 |
| Core capital (leverage) ratio | 8.3357% | 5,931 |
| Tier 1 risk-based capital ratio | 11.2908% | 6,369 |
| Total risk-based capital ratio | 12.5467% | 6,357 |
| Memoranda: | ||
| Average total assets | $1,029,142,750 | 648 |
| Average earning assets | $912,758,000 | 658 |
| Average equity | $90,368,500 | 749 |
| Average total loans | $715,197,000 | 584 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8742% | 616 |
| Cost of funding earning assets | 1.1945% | 2,617 |
| Net interest margin | 4.6797% | 765 |
| Noninterest income to average assets | 1.4768% | 587 |
| Noninterest expense to average assets | 3.3947% | 2,274 |
| Loan and lease loss provision to assets | 1.0462% | 809 |
| Net operating income to assets | 1.0591% | 2,008 |
| Return on assets (ROA) | 1.0584% | 2,106 |
| Pretax return on assets | 1.1876% | 2,530 |
| Return on Equity (ROE) | 12.1252% | 1,455 |
| Retained earnings to average equity (ytd only) | 2.6892% | 4,582 |
| Net charge-offs to loans | 0.2660% | 3,555 |
| Credit loss provision to net charge-offs | 563.3580% | 549 |
| Earnings coverage of net charge-offs (x) | 12.0327% | 1,655 |
| Efficiency ratio | 59.6914% | 5,922 |
| Assets per employee ($millions) | 3.5691% | 4,754 |
| Cash dividends to net income (ytd only)* | 77.8210% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0278% | 2,293 |
| Loan loss allowance to noncurrent loans | 71.4251% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 3.8775% | 1,668 |
| Noncurrent loans to loans | 2.8391% | 2,570 |
| Net loans and leases to total assets | 68.0069% | 2,613 |
| Net loans and leases to deposits | 78.5721% | 3,028 |
| Net loans and leases to core deposits | 82.5891% | 3,414 |
| Total domestic deposits to total assets | 86.5535% | 3,009 |
| Equity capital to assets | 8.6989% | 5,948 |
| Core capital (leverage) ratio | 8.3539% | 5,779 |
| Tier 1 risk-based capital ratio | 11.0062% | 6,527 |
| Total risk-based capital ratio | 12.2641% | 6,505 |
| Memoranda: | ||
| Average total assets | $1,019,876,330 | 662 |
| Average earning assets | $904,977,000 | 670 |
| Average equity | $89,021,330 | 758 |
| Average total loans | $711,968,000 | 595 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8322% | 692 |
| Cost of funding earning assets | 1.2605% | 2,425 |
| Net interest margin | 4.5718% | 914 |
| Noninterest income to average assets | 1.0490% | 1,199 |
| Noninterest expense to average assets | 3.2580% | 2,685 |
| Loan and lease loss provision to assets | 0.7959% | 1,062 |
| Net operating income to assets | 0.9127% | 2,505 |
| Return on assets (ROA) | 0.9141% | 2,553 |
| Pretax return on assets | 1.0454% | 2,965 |
| Return on Equity (ROE) | 10.4537% | 1,927 |
| Retained earnings to average equity (ytd only) | 0.4414% | 5,643 |
| Net charge-offs to loans | 0.3865% | 2,529 |
| Credit loss provision to net charge-offs | 294.1176% | 1,092 |
| Earnings coverage of net charge-offs (x) | 6.7985% | 2,044 |
| Efficiency ratio | 63.2240% | 5,484 |
| Assets per employee ($millions) | 3.4153% | 5,204 |
| Cash dividends to net income (ytd only)* | 95.7771% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6541% | 3,511 |
| Loan loss allowance to noncurrent loans | 132.1812% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 2.9252% | 2,363 |
| Noncurrent loans to loans | 1.2514% | 4,595 |
| Net loans and leases to total assets | 67.4545% | 2,667 |
| Net loans and leases to deposits | 78.2037% | 3,027 |
| Net loans and leases to core deposits | 82.8289% | 3,333 |
| Total domestic deposits to total assets | 86.2549% | 3,358 |
| Equity capital to assets | 8.5709% | 5,813 |
| Core capital (leverage) ratio | 8.3808% | 5,663 |
| Tier 1 risk-based capital ratio | 10.9684% | 6,530 |
| Total risk-based capital ratio | 12.2217% | 6,503 |
| Memoranda: | ||
| Average total assets | $1,005,159,000 | 669 |
| Average earning assets | $890,155,500 | 682 |
| Average equity | $87,892,500 | 760 |
| Average total loans | $703,765,000 | 608 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2861% | 476 |
| Cost of funding earning assets | 1.5312% | 2,475 |
| Net interest margin | 4.7549% | 724 |
| Noninterest income to average assets | 1.1081% | 1,209 |
| Noninterest expense to average assets | 3.4835% | 2,222 |
| Loan and lease loss provision to assets | 0.7185% | 2,281 |
| Net operating income to assets | 1.0414% | 1,908 |
| Return on assets (ROA) | 1.0774% | 1,865 |
| Pretax return on assets | 1.1079% | 2,544 |
| Return on Equity (ROE) | 12.2939% | 1,257 |
| Retained earnings to average equity (ytd only) | 7.8898% | 1,016 |
| Net charge-offs to loans | 0.7569% | 2,747 |
| Credit loss provision to net charge-offs | 131.5680% | 3,003 |
| Earnings coverage of net charge-offs (x) | 3.2767% | 3,437 |
| Efficiency ratio | 65.3680% | 5,091 |
| Assets per employee ($millions) | 3.3755% | 5,230 |
| Cash dividends to net income (ytd only)* | 35.8235% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 4,110 |
| Loan loss allowance to noncurrent loans | 253.9628% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 2.7511% | 2,537 |
| Noncurrent loans to loans | 0.5839% | 5,880 |
| Net loans and leases to total assets | 70.4574% | 2,418 |
| Net loans and leases to deposits | 83.2554% | 2,576 |
| Net loans and leases to core deposits | 88.7739% | 2,932 |
| Total domestic deposits to total assets | 84.6280% | 4,043 |
| Equity capital to assets | 8.9267% | 5,246 |
| Core capital (leverage) ratio | 8.6434% | 5,116 |
| Tier 1 risk-based capital ratio | 11.0934% | 6,257 |
| Total risk-based capital ratio | 12.3448% | 6,226 |
| Memoranda: | ||
| Average total assets | $971,637,200 | 681 |
| Average earning assets | $851,030,400 | 714 |
| Average equity | $85,147,800 | 781 |
| Average total loans | $701,008,600 | 624 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2756% | 535 |
| Cost of funding earning assets | 1.5855% | 2,470 |
| Net interest margin | 4.6901% | 863 |
| Noninterest income to average assets | 1.0242% | 1,398 |
| Noninterest expense to average assets | 3.3669% | 2,381 |
| Loan and lease loss provision to assets | 0.7370% | 2,079 |
| Net operating income to assets | 0.9370% | 2,466 |
| Return on assets (ROA) | 0.9828% | 2,406 |
| Pretax return on assets | 1.0694% | 2,934 |
| Return on Equity (ROE) | 11.2683% | 1,702 |
| Retained earnings to average equity (ytd only) | 9.2981% | 966 |
| Net charge-offs to loans | 0.6967% | 2,674 |
| Credit loss provision to net charge-offs | 146.3155% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.4874% | 3,426 |
| Efficiency ratio | 64.9673% | 5,058 |
| Assets per employee ($millions) | 3.2604% | 5,559 |
| Cash dividends to net income (ytd only)* | 17.4850% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 4,038 |
| Loan loss allowance to noncurrent loans | 102.6137% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 3.0824% | 2,350 |
| Noncurrent loans to loans | 1.4459% | 4,448 |
| Net loans and leases to total assets | 71.8242% | 2,290 |
| Net loans and leases to deposits | 85.2244% | 2,482 |
| Net loans and leases to core deposits | 92.0634% | 2,787 |
| Total domestic deposits to total assets | 84.2766% | 3,970 |
| Equity capital to assets | 9.2263% | 5,264 |
| Core capital (leverage) ratio | 8.8384% | 4,944 |
| Tier 1 risk-based capital ratio | 11.2362% | 6,151 |
| Total risk-based capital ratio | 12.4879% | 6,153 |
| Memoranda: | ||
| Average total assets | $969,823,250 | 683 |
| Average earning assets | $847,669,500 | 714 |
| Average equity | $84,589,000 | 780 |
| Average total loans | $701,239,500 | 627 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2858% | 526 |
| Cost of funding earning assets | 1.6541% | 2,367 |
| Net interest margin | 4.6317% | 930 |
| Noninterest income to average assets | 0.9290% | 1,587 |
| Noninterest expense to average assets | 3.4244% | 2,207 |
| Loan and lease loss provision to assets | 0.9802% | 1,478 |
| Net operating income to assets | 0.4776% | 4,424 |
| Return on assets (ROA) | 0.5429% | 4,276 |
| Pretax return on assets | 0.6260% | 4,484 |
| Return on Equity (ROE) | 6.3457% | 3,623 |
| Retained earnings to average equity (ytd only) | 4.3026% | 3,339 |
| Net charge-offs to loans | 0.5302% | 2,948 |
| Credit loss provision to net charge-offs | 256.3744% | 1,487 |
| Earnings coverage of net charge-offs (x) | 4.0048% | 3,090 |
| Efficiency ratio | 68.3350% | 4,511 |
| Assets per employee ($millions) | 3.1630% | 5,757 |
| Cash dividends to net income (ytd only)* | 32.1970% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 3,111 |
| Loan loss allowance to noncurrent loans | 88.1853% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 3.4609% | 2,034 |
| Noncurrent loans to loans | 1.9191% | 3,843 |
| Net loans and leases to total assets | 71.5737% | 2,520 |
| Net loans and leases to deposits | 85.2000% | 2,661 |
| Net loans and leases to core deposits | 93.5833% | 2,785 |
| Total domestic deposits to total assets | 84.0067% | 4,107 |
| Equity capital to assets | 8.9109% | 5,588 |
| Core capital (leverage) ratio | 8.3804% | 5,611 |
| Tier 1 risk-based capital ratio | 10.9124% | 6,329 |
| Total risk-based capital ratio | 12.1665% | 6,312 |
| Memoranda: | ||
| Average total assets | $972,493,670 | 679 |
| Average earning assets | $845,436,000 | 712 |
| Average equity | $83,205,330 | 786 |
| Average total loans | $701,246,670 | 627 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3002% | 529 |
| Cost of funding earning assets | 1.7415% | 2,176 |
| Net interest margin | 4.5586% | 1,032 |
| Noninterest income to average assets | 0.9904% | 1,333 |
| Noninterest expense to average assets | 3.0831% | 3,335 |
| Loan and lease loss provision to assets | 0.8491% | 1,496 |
| Net operating income to assets | 0.8956% | 2,558 |
| Return on assets (ROA) | 0.8989% | 2,621 |
| Pretax return on assets | 0.9937% | 3,119 |
| Return on Equity (ROE) | 10.7183% | 1,865 |
| Retained earnings to average equity (ytd only) | 8.7862% | 1,461 |
| Net charge-offs to loans | 1.0131% | 1,627 |
| Credit loss provision to net charge-offs | 116.7688% | 2,986 |
| Earnings coverage of net charge-offs (x) | 2.5292% | 3,280 |
| Efficiency ratio | 61.8715% | 5,854 |
| Assets per employee ($millions) | 3.4300% | 5,206 |
| Cash dividends to net income (ytd only)* | 18.0261% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2770% | 5,058 |
| Loan loss allowance to noncurrent loans | 209.5859% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 2.6997% | 2,696 |
| Noncurrent loans to loans | 0.6093% | 6,088 |
| Net loans and leases to total assets | 70.7405% | 2,752 |
| Net loans and leases to deposits | 84.1856% | 2,909 |
| Net loans and leases to core deposits | 96.3185% | 2,552 |
| Total domestic deposits to total assets | 84.0292% | 4,136 |
| Equity capital to assets | 8.5015% | 6,000 |
| Core capital (leverage) ratio | 8.1060% | 6,063 |
| Tier 1 risk-based capital ratio | 10.8560% | 6,288 |
| Total risk-based capital ratio | 12.0852% | 6,289 |
| Memoranda: | ||
| Average total assets | $987,449,500 | 686 |
| Average earning assets | $851,662,000 | 723 |
| Average equity | $82,811,500 | 801 |
| Average total loans | $708,742,500 | 640 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4234% | 788 |
| Cost of funding earning assets | 2.0345% | 2,797 |
| Net interest margin | 4.3889% | 1,468 |
| Noninterest income to average assets | 0.8913% | 1,978 |
| Noninterest expense to average assets | 3.2347% | 3,256 |
| Loan and lease loss provision to assets | 1.1375% | 2,004 |
| Net operating income to assets | 0.3859% | 4,180 |
| Return on assets (ROA) | 0.4700% | 3,970 |
| Pretax return on assets | 0.4817% | 4,246 |
| Return on Equity (ROE) | 5.7265% | 3,317 |
| Retained earnings to average equity (ytd only) | -0.0181% | 4,932 |
| Net charge-offs to loans | 1.2889% | 1,928 |
| Credit loss provision to net charge-offs | 119.2205% | 4,502 |
| Earnings coverage of net charge-offs (x) | 1.6072% | 4,536 |
| Efficiency ratio | 67.0274% | 5,174 |
| Assets per employee ($millions) | 3.3576% | 5,347 |
| Cash dividends to net income (ytd only)* | 100.3156% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2227% | 5,226 |
| Loan loss allowance to noncurrent loans | 73.7007% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 3.0634% | 2,276 |
| Noncurrent loans to loans | 1.6590% | 4,157 |
| Net loans and leases to total assets | 71.0147% | 2,997 |
| Net loans and leases to deposits | 85.8863% | 2,937 |
| Net loans and leases to core deposits | 112.7732% | 2,619 |
| Total domestic deposits to total assets | 82.6846% | 4,666 |
| Equity capital to assets | 8.2720% | 6,237 |
| Core capital (leverage) ratio | 8.3199% | 5,577 |
| Tier 1 risk-based capital ratio | 10.5092% | 6,390 |
| Total risk-based capital ratio | 11.6878% | 6,429 |
| Memoranda: | ||
| Average total assets | $943,929,200 | 711 |
| Average earning assets | $833,775,800 | 735 |
| Average equity | $77,465,000 | 833 |
| Average total loans | $698,734,600 | 667 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4581% | 827 |
| Cost of funding earning assets | 2.1185% | 2,811 |
| Net interest margin | 4.3397% | 1,620 |
| Noninterest income to average assets | 0.8398% | 2,245 |
| Noninterest expense to average assets | 3.2882% | 2,961 |
| Loan and lease loss provision to assets | 1.1265% | 1,738 |
| Net operating income to assets | 0.2389% | 5,023 |
| Return on assets (ROA) | 0.3159% | 4,844 |
| Pretax return on assets | 0.3604% | 4,905 |
| Return on Equity (ROE) | 3.8577% | 4,436 |
| Retained earnings to average equity (ytd only) | -1.4687% | 5,601 |
| Net charge-offs to loans | 1.2394% | 1,645 |
| Credit loss provision to net charge-offs | 121.8595% | 4,159 |
| Earnings coverage of net charge-offs (x) | 1.5138% | 4,649 |
| Efficiency ratio | 69.3077% | 4,725 |
| Assets per employee ($millions) | 2.8734% | 6,467 |
| Cash dividends to net income (ytd only)* | 138.0717% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,023 |
| Loan loss allowance to noncurrent loans | 175.0626% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 2.1915% | 3,107 |
| Noncurrent loans to loans | 0.6948% | 5,913 |
| Net loans and leases to total assets | 73.8630% | 2,564 |
| Net loans and leases to deposits | 90.9199% | 2,409 |
| Net loans and leases to core deposits | 113.5644% | 2,876 |
| Total domestic deposits to total assets | 81.2396% | 4,979 |
| Equity capital to assets | 8.3244% | 6,474 |
| Core capital (leverage) ratio | 7.8494% | 6,561 |
| Tier 1 risk-based capital ratio | 9.7841% | 7,151 |
| Total risk-based capital ratio | 10.9273% | 7,211 |
| Memoranda: | ||
| Average total assets | $932,291,000 | 733 |
| Average earning assets | $826,617,250 | 751 |
| Average equity | $76,348,000 | 857 |
| Average total loans | $695,394,500 | 687 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3883% | 1,032 |
| Cost of funding earning assets | 2.1806% | 2,879 |
| Net interest margin | 4.2077% | 1,970 |
| Noninterest income to average assets | 0.6563% | 3,293 |
| Noninterest expense to average assets | 3.2176% | 3,280 |
| Loan and lease loss provision to assets | 1.0994% | 1,558 |
| Net operating income to assets | 0.0365% | 5,738 |
| Return on assets (ROA) | 0.1208% | 5,603 |
| Pretax return on assets | 0.2061% | 5,453 |
| Return on Equity (ROE) | 1.4829% | 5,465 |
| Retained earnings to average equity (ytd only) | -5.4722% | 6,369 |
| Net charge-offs to loans | 1.2414% | 1,486 |
| Credit loss provision to net charge-offs | 118.8309% | 3,915 |
| Earnings coverage of net charge-offs (x) | 1.2687% | 4,577 |
| Efficiency ratio | 72.3799% | 4,334 |
| Assets per employee ($millions) | 2.7699% | 6,700 |
| Cash dividends to net income (ytd only)* | 469.0265% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 5,407 |
| Loan loss allowance to noncurrent loans | 140.2773% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 2.3330% | 2,788 |
| Noncurrent loans to loans | 0.8031% | 5,626 |
| Net loans and leases to total assets | 74.3579% | 2,603 |
| Net loans and leases to deposits | 92.3308% | 2,409 |
| Net loans and leases to core deposits | 116.1303% | 2,698 |
| Total domestic deposits to total assets | 80.5343% | 5,259 |
| Equity capital to assets | 8.0989% | 6,631 |
| Core capital (leverage) ratio | 7.6844% | 6,781 |
| Tier 1 risk-based capital ratio | 9.5413% | 7,354 |
| Total risk-based capital ratio | 10.5965% | 7,497 |
| Memoranda: | ||
| Average total assets | $935,597,000 | 748 |
| Average earning assets | $830,518,000 | 765 |
| Average equity | $76,203,330 | 871 |
| Average total loans | $697,299,000 | 705 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2701% | 1,386 |
| Cost of funding earning assets | 2.2578% | 2,893 |
| Net interest margin | 4.0124% | 2,596 |
| Noninterest income to average assets | 0.9021% | 1,840 |
| Noninterest expense to average assets | 3.0314% | 3,624 |
| Loan and lease loss provision to assets | 0.7770% | 1,652 |
| Net operating income to assets | 0.5799% | 4,107 |
| Return on assets (ROA) | 0.7380% | 3,582 |
| Pretax return on assets | 0.8398% | 3,931 |
| Return on Equity (ROE) | 9.0365% | 2,701 |
| Retained earnings to average equity (ytd only) | 3.5866% | 3,898 |
| Net charge-offs to loans | 0.8295% | 1,563 |
| Credit loss provision to net charge-offs | 126.2397% | 3,152 |
| Earnings coverage of net charge-offs (x) | 2.3347% | 3,565 |
| Efficiency ratio | 66.9766% | 5,148 |
| Assets per employee ($millions) | 2.8321% | 6,571 |
| Cash dividends to net income (ytd only)* | 60.3102% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 5,671 |
| Loan loss allowance to noncurrent loans | 64.4221% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.3369% | 2,449 |
| Noncurrent loans to loans | 1.6644% | 3,773 |
| Net loans and leases to total assets | 72.8495% | 3,042 |
| Net loans and leases to deposits | 89.7122% | 2,971 |
| Net loans and leases to core deposits | 113.1497% | 3,084 |
| Total domestic deposits to total assets | 81.2035% | 4,888 |
| Equity capital to assets | 8.3082% | 6,377 |
| Core capital (leverage) ratio | 7.8402% | 6,706 |
| Tier 1 risk-based capital ratio | 9.9432% | 6,991 |
| Total risk-based capital ratio | 10.9436% | 7,174 |
| Memoranda: | ||
| Average total assets | $943,587,000 | 741 |
| Average earning assets | $838,705,000 | 759 |
| Average equity | $77,065,500 | 857 |
| Average total loans | $700,149,000 | 706 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8051% | 1,656 |
| Cost of funding earning assets | 2.8702% | 2,392 |
| Net interest margin | 3.9349% | 3,421 |
| Noninterest income to average assets | 1.0490% | 1,427 |
| Noninterest expense to average assets | 3.0956% | 3,706 |
| Loan and lease loss provision to assets | 0.3754% | 3,434 |
| Net operating income to assets | 1.0532% | 2,339 |
| Return on assets (ROA) | 1.0147% | 2,382 |
| Pretax return on assets | 1.0716% | 3,132 |
| Return on Equity (ROE) | 12.9217% | 1,347 |
| Retained earnings to average equity (ytd only) | 4.3389% | 2,418 |
| Net charge-offs to loans | 0.5100% | 2,314 |
| Credit loss provision to net charge-offs | 97.5228% | 5,459 |
| Earnings coverage of net charge-offs (x) | 3.8645% | 4,202 |
| Efficiency ratio | 66.8133% | 4,940 |
| Assets per employee ($millions) | 2.9764% | 6,114 |
| Cash dividends to net income (ytd only)* | 66.4219% | 2,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 6,229 |
| Loan loss allowance to noncurrent loans | 144.5803% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 1.5877% | 3,065 |
| Noncurrent loans to loans | 0.6756% | 5,343 |
| Net loans and leases to total assets | 74.0185% | 3,095 |
| Net loans and leases to deposits | 92.3474% | 3,076 |
| Net loans and leases to core deposits | 115.8539% | 3,137 |
| Total domestic deposits to total assets | 80.1522% | 4,959 |
| Equity capital to assets | 8.0299% | 6,805 |
| Core capital (leverage) ratio | 7.7033% | 6,921 |
| Tier 1 risk-based capital ratio | 9.4690% | 7,346 |
| Total risk-based capital ratio | 10.3822% | 7,651 |
| Memoranda: | ||
| Average total assets | $912,454,400 | 729 |
| Average earning assets | $819,489,600 | 740 |
| Average equity | $71,654,400 | 925 |
| Average total loans | $688,618,000 | 692 |