Home > First Mid Bank & Trust > Performance and Condition Ratios
First Mid 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 | 4.2401% | 3,548 |
| Cost of funding earning assets | 1.4185% | 2,179 |
| Net interest margin | 2.8216% | 3,621 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 1.9976% | 3,645 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.7849% | 2,916 |
| Return on assets (ROA) | 0.8205% | 2,785 |
| Pretax return on assets | 1.0592% | 2,513 |
| Return on Equity (ROE) | 8.0000% | 3,024 |
| Retained earnings to average equity (ytd only) | 2.3378% | 3,498 |
| Net charge-offs to loans | 0.0056% | 2,496 |
| Credit loss provision to net charge-offs | 1,943.6306% | 234 |
| Earnings coverage of net charge-offs (x) | 274.8185% | 464 |
| Efficiency ratio | 62.0083% | 2,830 |
| Assets per employee ($millions) | 7.3737% | 1,825 |
| Cash dividends to net income (ytd only)* | 70.7653% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,112 |
| Loan loss allowance to noncurrent loans | 364.6718% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 1,896 |
| Noncurrent loans to loans | 0.3375% | 1,972 |
| Net loans and leases to total assets | 73.1400% | 1,457 |
| Net loans and leases to deposits | 89.5684% | 1,303 |
| Net loans and leases to core deposits | 96.3970% | 1,630 |
| Total domestic deposits to total assets | 81.6600% | 3,188 |
| Equity capital to assets | 11.4726% | 1,296 |
| Core capital (leverage) ratio | 10.2334% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2240% | 1,790 |
| Memoranda: | ||
| Average total assets | $7,911,406,800 | 190 |
| Average earning assets | $7,095,257,600 | 191 |
| Average equity | $811,788,000 | 191 |
| Average total loans | $5,575,219,000 | 187 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4668% | 2,976 |
| Cost of funding earning assets | 1.5337% | 1,524 |
| Net interest margin | 2.9331% | 3,472 |
| Noninterest income to average assets | 0.6000% | 1,525 |
| Noninterest expense to average assets | 2.0756% | 3,409 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8785% | 2,761 |
| Return on assets (ROA) | 0.8766% | 2,751 |
| Pretax return on assets | 1.1467% | 2,433 |
| Return on Equity (ROE) | 8.4900% | 3,065 |
| Retained earnings to average equity (ytd only) | 1.2183% | 3,900 |
| Net charge-offs to loans | 0.0059% | 2,232 |
| Credit loss provision to net charge-offs | 45.3271% | 1,915 |
| Earnings coverage of net charge-offs (x) | 268.3318% | 487 |
| Efficiency ratio | 62.4615% | 2,664 |
| Assets per employee ($millions) | 7.0550% | 1,921 |
| Cash dividends to net income (ytd only)* | 85.6477% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,225 |
| Loan loss allowance to noncurrent loans | 374.9269% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 1,917 |
| Noncurrent loans to loans | 0.3277% | 2,058 |
| Net loans and leases to total assets | 71.4900% | 1,639 |
| Net loans and leases to deposits | 93.7036% | 918 |
| Net loans and leases to core deposits | 103.5079% | 1,142 |
| Total domestic deposits to total assets | 76.2900% | 3,992 |
| Equity capital to assets | 9.9140% | 1,875 |
| Core capital (leverage) ratio | 10.5689% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4357% | 1,738 |
| Memoranda: | ||
| Average total assets | $6,659,607,500 | 220 |
| Average earning assets | $5,953,993,750 | 224 |
| Average equity | $687,704,500 | 216 |
| Average total loans | $4,800,080,000 | 212 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 2,980 |
| Cost of funding earning assets | 1.3917% | 1,469 |
| Net interest margin | 2.9688% | 3,513 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.0740% | 3,414 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.9418% | 2,608 |
| Return on assets (ROA) | 0.9423% | 2,597 |
| Pretax return on assets | 1.2208% | 2,310 |
| Return on Equity (ROE) | 9.0100% | 2,987 |
| Retained earnings to average equity (ytd only) | 6.8560% | 2,338 |
| Net charge-offs to loans | 0.0006% | 2,422 |
| Credit loss provision to net charge-offs | -2,393.3333% | 4,646 |
| Earnings coverage of net charge-offs (x) | 2,684.1333% | 45 |
| Efficiency ratio | 61.3226% | 2,807 |
| Assets per employee ($millions) | 7.8929% | 1,367 |
| Cash dividends to net income (ytd only)* | 23.8701% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2199% | 2,353 |
| Loan loss allowance to noncurrent loans | 339.4554% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 1,641 |
| Noncurrent loans to loans | 0.3594% | 1,844 |
| Net loans and leases to total assets | 71.4600% | 1,590 |
| Net loans and leases to deposits | 90.4016% | 1,158 |
| Net loans and leases to core deposits | 98.9218% | 1,294 |
| Total domestic deposits to total assets | 79.0500% | 3,711 |
| Equity capital to assets | 10.5762% | 1,559 |
| Core capital (leverage) ratio | 10.6719% | 2,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7552% | 1,638 |
| Memoranda: | ||
| Average total assets | $6,668,896,333 | 217 |
| Average earning assets | $5,964,013,667 | 222 |
| Average equity | $697,781,333 | 211 |
| Average total loans | $4,800,086,333 | 205 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 2,860 |
| Cost of funding earning assets | 1.2814% | 1,270 |
| Net interest margin | 2.9943% | 3,614 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 2.0871% | 3,411 |
| Loan and lease loss provision to assets | -0.0500% | 4,518 |
| Net operating income to assets | 0.9737% | 2,613 |
| Return on assets (ROA) | 0.9783% | 2,570 |
| Pretax return on assets | 1.2684% | 2,261 |
| Return on Equity (ROE) | 9.4000% | 2,948 |
| Retained earnings to average equity (ytd only) | 9.4005% | 1,837 |
| Net charge-offs to loans | 0.0044% | 1,814 |
| Credit loss provision to net charge-offs | -1,541.5094% | 4,662 |
| Earnings coverage of net charge-offs (x) | 381.5283% | 292 |
| Efficiency ratio | 61.3680% | 2,767 |
| Assets per employee ($millions) | 7.8490% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 2,436 |
| Loan loss allowance to noncurrent loans | 421.9670% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 1,801 |
| Noncurrent loans to loans | 0.2898% | 2,105 |
| Net loans and leases to total assets | 70.7300% | 1,553 |
| Net loans and leases to deposits | 92.5571% | 883 |
| Net loans and leases to core deposits | 99.6057% | 1,107 |
| Total domestic deposits to total assets | 76.4200% | 4,135 |
| Equity capital to assets | 10.6764% | 1,468 |
| Core capital (leverage) ratio | 10.5075% | 2,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7134% | 1,714 |
| Memoranda: | ||
| Average total assets | $6,676,484,500 | 223 |
| Average earning assets | $5,966,093,500 | 230 |
| Average equity | $694,816,500 | 215 |
| Average total loans | $4,793,421,500 | 207 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6042% | 2,792 |
| Cost of funding earning assets | 0.4469% | 1,744 |
| Net interest margin | 3.1572% | 2,999 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.0979% | 3,296 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0112% | 2,523 |
| Return on assets (ROA) | 1.0003% | 2,516 |
| Pretax return on assets | 1.2587% | 2,241 |
| Return on Equity (ROE) | 9.5000% | 2,970 |
| Retained earnings to average equity (ytd only) | 5.4833% | 2,838 |
| Net charge-offs to loans | 0.0267% | 1,523 |
| Credit loss provision to net charge-offs | 390.4143% | 786 |
| Earnings coverage of net charge-offs (x) | 72.6751% | 1,139 |
| Efficiency ratio | 59.0238% | 3,186 |
| Assets per employee ($millions) | 7.4915% | 1,623 |
| Cash dividends to net income (ytd only)* | 42.2920% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,272 |
| Loan loss allowance to noncurrent loans | 370.3497% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 1,648 |
| Noncurrent loans to loans | 0.3306% | 1,969 |
| Net loans and leases to total assets | 71.1000% | 1,516 |
| Net loans and leases to deposits | 89.9136% | 1,060 |
| Net loans and leases to core deposits | 95.6289% | 1,227 |
| Total domestic deposits to total assets | 79.0800% | 3,994 |
| Equity capital to assets | 10.1397% | 1,640 |
| Core capital (leverage) ratio | 10.2242% | 2,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1790% | 1,910 |
| Memoranda: | ||
| Average total assets | $6,648,308,400 | 222 |
| Average earning assets | $5,996,448,400 | 218 |
| Average equity | $699,889,400 | 214 |
| Average total loans | $4,613,850,200 | 205 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 2,762 |
| Cost of funding earning assets | 0.2906% | 2,275 |
| Net interest margin | 3.1638% | 2,735 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.1233% | 3,149 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9592% | 2,625 |
| Return on assets (ROA) | 0.9489% | 2,638 |
| Pretax return on assets | 1.2397% | 2,232 |
| Return on Equity (ROE) | 8.9300% | 3,049 |
| Retained earnings to average equity (ytd only) | 4.6750% | 3,208 |
| Net charge-offs to loans | 0.0217% | 1,403 |
| Credit loss provision to net charge-offs | 539.2183% | 589 |
| Earnings coverage of net charge-offs (x) | 89.5013% | 996 |
| Efficiency ratio | 59.5004% | 3,183 |
| Assets per employee ($millions) | 7.3271% | 1,728 |
| Cash dividends to net income (ytd only)* | 47.6533% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,287 |
| Loan loss allowance to noncurrent loans | 328.9880% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 1,603 |
| Noncurrent loans to loans | 0.3785% | 1,876 |
| Net loans and leases to total assets | 70.4500% | 1,445 |
| Net loans and leases to deposits | 84.3113% | 1,277 |
| Net loans and leases to core deposits | 88.4356% | 1,393 |
| Total domestic deposits to total assets | 83.5600% | 3,593 |
| Equity capital to assets | 9.8246% | 1,707 |
| Core capital (leverage) ratio | 10.1671% | 2,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1300% | 2,003 |
| Memoranda: | ||
| Average total assets | $6,634,168,250 | 224 |
| Average earning assets | $5,995,504,250 | 219 |
| Average equity | $704,897,750 | 213 |
| Average total loans | $4,560,759,750 | 204 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2736% | 2,818 |
| Cost of funding earning assets | 0.1925% | 3,020 |
| Net interest margin | 3.0811% | 2,595 |
| Noninterest income to average assets | 0.5947% | 1,765 |
| Noninterest expense to average assets | 2.0792% | 3,207 |
| Loan and lease loss provision to assets | 0.1138% | 883 |
| Net operating income to assets | 0.9181% | 2,503 |
| Return on assets (ROA) | 0.9016% | 2,545 |
| Pretax return on assets | 1.1758% | 2,148 |
| Return on Equity (ROE) | 8.2787% | 2,939 |
| Retained earnings to average equity (ytd only) | 4.1303% | 3,037 |
| Net charge-offs to loans | 0.0134% | 1,513 |
| Credit loss provision to net charge-offs | 1,273.9274% | 340 |
| Earnings coverage of net charge-offs (x) | 143.5743% | 669 |
| Efficiency ratio | 59.4398% | 3,373 |
| Assets per employee ($millions) | 7.5264% | 1,591 |
| Cash dividends to net income (ytd only)* | 50.1086% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,323 |
| Loan loss allowance to noncurrent loans | 346.8064% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3204% | 1,722 |
| Noncurrent loans to loans | 0.3664% | 2,051 |
| Net loans and leases to total assets | 69.2169% | 1,376 |
| Net loans and leases to deposits | 85.6061% | 1,003 |
| Net loans and leases to core deposits | 90.9103% | 1,067 |
| Total domestic deposits to total assets | 80.8551% | 4,151 |
| Equity capital to assets | 10.2502% | 1,563 |
| Core capital (leverage) ratio | 10.2107% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1171% | 2,008 |
| Memoranda: | ||
| Average total assets | $6,640,097,000 | 222 |
| Average earning assets | $6,023,103,000 | 220 |
| Average equity | $723,185,000 | 206 |
| Average total loans | $4,507,583,000 | 204 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2615% | 2,496 |
| Cost of funding earning assets | 0.1771% | 3,122 |
| Net interest margin | 3.0844% | 2,226 |
| Noninterest income to average assets | 0.6423% | 1,522 |
| Noninterest expense to average assets | 2.1544% | 2,959 |
| Loan and lease loss provision to assets | 0.0754% | 1,092 |
| Net operating income to assets | 0.9348% | 2,134 |
| Return on assets (ROA) | 0.9355% | 2,121 |
| Pretax return on assets | 1.2225% | 1,723 |
| Return on Equity (ROE) | 8.4697% | 2,526 |
| Retained earnings to average equity (ytd only) | 3.8752% | 2,980 |
| Net charge-offs to loans | 0.0036% | 1,644 |
| Credit loss provision to net charge-offs | 2,644.4444% | 163 |
| Earnings coverage of net charge-offs (x) | 532.4722% | 195 |
| Efficiency ratio | 60.6638% | 3,412 |
| Assets per employee ($millions) | 6.9906% | 2,002 |
| Cash dividends to net income (ytd only)* | 54.2456% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,980 |
| Loan loss allowance to noncurrent loans | 296.1102% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 1,501 |
| Noncurrent loans to loans | 0.4668% | 1,857 |
| Net loans and leases to total assets | 67.5236% | 1,260 |
| Net loans and leases to deposits | 79.8091% | 1,159 |
| Net loans and leases to core deposits | 86.1322% | 1,122 |
| Total domestic deposits to total assets | 84.6064% | 3,633 |
| Equity capital to assets | 10.5691% | 1,567 |
| Core capital (leverage) ratio | 10.0506% | 2,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6957% | 1,919 |
| Memoranda: | ||
| Average total assets | $5,911,581,000 | 245 |
| Average earning assets | $5,384,072,000 | 243 |
| Average equity | $652,966,000 | 228 |
| Average total loans | $4,008,078,500 | 220 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 2,865 |
| Cost of funding earning assets | 0.2012% | 3,453 |
| Net interest margin | 3.2239% | 2,544 |
| Noninterest income to average assets | 0.5768% | 2,252 |
| Noninterest expense to average assets | 2.1788% | 3,149 |
| Loan and lease loss provision to assets | 0.2603% | 346 |
| Net operating income to assets | 0.8293% | 3,239 |
| Return on assets (ROA) | 0.8368% | 3,292 |
| Pretax return on assets | 1.0906% | 3,006 |
| Return on Equity (ROE) | 7.2098% | 3,457 |
| Retained earnings to average equity (ytd only) | 3.6325% | 3,367 |
| Net charge-offs to loans | 0.1138% | 785 |
| Credit loss provision to net charge-offs | 338.1920% | 1,006 |
| Earnings coverage of net charge-offs (x) | 17.5757% | 1,937 |
| Efficiency ratio | 60.3590% | 3,103 |
| Assets per employee ($millions) | 7.6100% | 1,551 |
| Cash dividends to net income (ytd only)* | 49.6173% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3679% | 2,058 |
| Loan loss allowance to noncurrent loans | 301.8779% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 1,676 |
| Noncurrent loans to loans | 0.4531% | 2,002 |
| Net loans and leases to total assets | 66.2214% | 1,448 |
| Net loans and leases to deposits | 78.7988% | 1,321 |
| Net loans and leases to core deposits | 85.2028% | 1,249 |
| Total domestic deposits to total assets | 84.0386% | 3,551 |
| Equity capital to assets | 11.5157% | 1,506 |
| Core capital (leverage) ratio | 9.8330% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6707% | 1,984 |
| Memoranda: | ||
| Average total assets | $5,870,449,200 | 236 |
| Average earning assets | $5,359,381,600 | 238 |
| Average equity | $681,380,000 | 222 |
| Average total loans | $3,937,416,400 | 222 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 3,020 |
| Cost of funding earning assets | 0.2082% | 3,531 |
| Net interest margin | 3.2193% | 2,674 |
| Noninterest income to average assets | 0.5533% | 2,400 |
| Noninterest expense to average assets | 2.2342% | 2,950 |
| Loan and lease loss provision to assets | 0.2923% | 277 |
| Net operating income to assets | 0.7421% | 3,672 |
| Return on assets (ROA) | 0.7503% | 3,716 |
| Pretax return on assets | 0.9741% | 3,534 |
| Return on Equity (ROE) | 6.4510% | 3,807 |
| Retained earnings to average equity (ytd only) | 3.1442% | 3,853 |
| Net charge-offs to loans | 0.0911% | 791 |
| Credit loss provision to net charge-offs | 473.0970% | 785 |
| Earnings coverage of net charge-offs (x) | 20.5649% | 1,726 |
| Efficiency ratio | 62.5440% | 2,606 |
| Assets per employee ($millions) | 7.7169% | 1,437 |
| Cash dividends to net income (ytd only)* | 51.2606% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 2,149 |
| Loan loss allowance to noncurrent loans | 230.2538% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 1,576 |
| Noncurrent loans to loans | 0.5939% | 1,827 |
| Net loans and leases to total assets | 64.7728% | 1,679 |
| Net loans and leases to deposits | 77.4173% | 1,537 |
| Net loans and leases to core deposits | 84.2240% | 1,411 |
| Total domestic deposits to total assets | 83.6671% | 3,551 |
| Equity capital to assets | 11.3627% | 1,767 |
| Core capital (leverage) ratio | 9.9422% | 2,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8223% | 2,040 |
| Memoranda: | ||
| Average total assets | $5,850,299,500 | 238 |
| Average earning assets | $5,337,252,000 | 239 |
| Average equity | $680,398,750 | 222 |
| Average total loans | $3,922,889,750 | 224 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3232% | 3,367 |
| Cost of funding earning assets | 0.2153% | 3,599 |
| Net interest margin | 3.1079% | 3,008 |
| Noninterest income to average assets | 0.5451% | 2,426 |
| Noninterest expense to average assets | 2.3519% | 2,615 |
| Loan and lease loss provision to assets | 0.4062% | 152 |
| Net operating income to assets | 0.4981% | 4,221 |
| Return on assets (ROA) | 0.5087% | 4,246 |
| Pretax return on assets | 0.6353% | 4,180 |
| Return on Equity (ROE) | 4.3393% | 4,267 |
| Retained earnings to average equity (ytd only) | 1.0281% | 4,331 |
| Net charge-offs to loans | 0.0492% | 1,135 |
| Credit loss provision to net charge-offs | 1,202.0768% | 415 |
| Earnings coverage of net charge-offs (x) | 30.9470% | 1,294 |
| Efficiency ratio | 68.1117% | 1,869 |
| Assets per employee ($millions) | 7.3672% | 1,549 |
| Cash dividends to net income (ytd only)* | 76.3074% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 1,817 |
| Loan loss allowance to noncurrent loans | 205.5997% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 1,418 |
| Noncurrent loans to loans | 0.6995% | 1,680 |
| Net loans and leases to total assets | 65.0304% | 1,826 |
| Net loans and leases to deposits | 78.3838% | 1,579 |
| Net loans and leases to core deposits | 83.7282% | 1,587 |
| Total domestic deposits to total assets | 82.9641% | 3,713 |
| Equity capital to assets | 11.7081% | 1,513 |
| Core capital (leverage) ratio | 9.7947% | 2,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3447% | 1,852 |
| Memoranda: | ||
| Average total assets | $5,796,581,667 | 238 |
| Average earning assets | $5,287,749,000 | 238 |
| Average equity | $679,511,333 | 219 |
| Average total loans | $3,914,596,667 | 225 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 3,345 |
| Cost of funding earning assets | 0.2464% | 3,508 |
| Net interest margin | 3.1025% | 2,979 |
| Noninterest income to average assets | 0.5213% | 2,517 |
| Noninterest expense to average assets | 2.0213% | 3,652 |
| Loan and lease loss provision to assets | 0.0954% | 1,404 |
| Net operating income to assets | 0.9506% | 2,969 |
| Return on assets (ROA) | 0.9583% | 3,035 |
| Pretax return on assets | 1.2612% | 2,675 |
| Return on Equity (ROE) | 8.6231% | 3,153 |
| Retained earnings to average equity (ytd only) | 4.3510% | 3,400 |
| Net charge-offs to loans | 0.0784% | 810 |
| Credit loss provision to net charge-offs | 184.0391% | 915 |
| Earnings coverage of net charge-offs (x) | 25.9902% | 1,148 |
| Efficiency ratio | 58.3070% | 3,262 |
| Assets per employee ($millions) | 7.4084% | 1,509 |
| Cash dividends to net income (ytd only)* | 49.5420% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 2,170 |
| Loan loss allowance to noncurrent loans | 175.2272% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 1,694 |
| Noncurrent loans to loans | 0.7746% | 1,691 |
| Net loans and leases to total assets | 64.5288% | 1,978 |
| Net loans and leases to deposits | 78.8269% | 1,632 |
| Net loans and leases to core deposits | 84.9253% | 1,594 |
| Total domestic deposits to total assets | 81.8613% | 3,917 |
| Equity capital to assets | 10.9599% | 1,891 |
| Core capital (leverage) ratio | 9.0727% | 3,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5173% | 2,078 |
| Memoranda: | ||
| Average total assets | $4,739,232,000 | 274 |
| Average earning assets | $4,348,790,000 | 273 |
| Average equity | $526,679,500 | 261 |
| Average total loans | $3,132,148,500 | 260 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 3,481 |
| Cost of funding earning assets | 0.3900% | 3,648 |
| Net interest margin | 3.3454% | 2,941 |
| Noninterest income to average assets | 0.5847% | 2,276 |
| Noninterest expense to average assets | 2.0168% | 4,107 |
| Loan and lease loss provision to assets | 0.3789% | 852 |
| Net operating income to assets | 0.9358% | 2,536 |
| Return on assets (ROA) | 0.9588% | 2,589 |
| Pretax return on assets | 1.2658% | 2,102 |
| Return on Equity (ROE) | 7.9808% | 2,830 |
| Retained earnings to average equity (ytd only) | 3.7581% | 2,944 |
| Net charge-offs to loans | 0.0924% | 1,531 |
| Credit loss provision to net charge-offs | 580.0793% | 1,127 |
| Earnings coverage of net charge-offs (x) | 24.7356% | 1,765 |
| Efficiency ratio | 53.4741% | 4,257 |
| Assets per employee ($millions) | 7.1105% | 1,505 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3354% | 2,252 |
| Loan loss allowance to noncurrent loans | 176.4632% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 1,893 |
| Noncurrent loans to loans | 0.7568% | 1,813 |
| Net loans and leases to total assets | 65.8825% | 2,110 |
| Net loans and leases to deposits | 80.8545% | 1,782 |
| Net loans and leases to core deposits | 89.2229% | 1,587 |
| Total domestic deposits to total assets | 81.4828% | 3,764 |
| Equity capital to assets | 11.2690% | 2,040 |
| Core capital (leverage) ratio | 9.1774% | 3,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3010% | 2,124 |
| Memoranda: | ||
| Average total assets | $4,250,427,200 | 276 |
| Average earning assets | $3,871,984,400 | 277 |
| Average equity | $510,652,200 | 253 |
| Average total loans | $3,003,914,400 | 263 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 3,583 |
| Cost of funding earning assets | 0.4272% | 3,658 |
| Net interest margin | 3.3674% | 3,003 |
| Noninterest income to average assets | 0.5818% | 2,246 |
| Noninterest expense to average assets | 2.0198% | 4,109 |
| Loan and lease loss provision to assets | 0.4994% | 586 |
| Net operating income to assets | 0.8529% | 2,898 |
| Return on assets (ROA) | 0.8787% | 2,911 |
| Pretax return on assets | 1.1541% | 2,553 |
| Return on Equity (ROE) | 7.1872% | 3,126 |
| Retained earnings to average equity (ytd only) | 1.5043% | 4,081 |
| Net charge-offs to loans | 0.0973% | 1,335 |
| Credit loss provision to net charge-offs | 714.9446% | 1,052 |
| Earnings coverage of net charge-offs (x) | 23.2039% | 1,808 |
| Efficiency ratio | 53.2940% | 4,221 |
| Assets per employee ($millions) | 6.8293% | 1,606 |
| Cash dividends to net income (ytd only)* | 79.0693% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2952% | 2,178 |
| Loan loss allowance to noncurrent loans | 213.1235% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 2,245 |
| Noncurrent loans to loans | 0.6077% | 2,281 |
| Net loans and leases to total assets | 71.3020% | 1,772 |
| Net loans and leases to deposits | 87.0726% | 1,588 |
| Net loans and leases to core deposits | 96.7722% | 1,394 |
| Total domestic deposits to total assets | 81.8881% | 3,453 |
| Equity capital to assets | 11.5193% | 1,993 |
| Core capital (leverage) ratio | 9.1089% | 3,639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0359% | 2,184 |
| Memoranda: | ||
| Average total assets | $4,138,021,750 | 278 |
| Average earning assets | $3,758,896,750 | 276 |
| Average equity | $505,903,250 | 253 |
| Average total loans | $2,970,288,250 | 263 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 3,708 |
| Cost of funding earning assets | 0.4611% | 3,737 |
| Net interest margin | 3.4031% | 3,087 |
| Noninterest income to average assets | 0.5715% | 2,248 |
| Noninterest expense to average assets | 2.0509% | 4,129 |
| Loan and lease loss provision to assets | 0.5772% | 563 |
| Net operating income to assets | 0.7873% | 3,076 |
| Return on assets (ROA) | 0.8195% | 3,094 |
| Pretax return on assets | 1.0705% | 2,805 |
| Return on Equity (ROE) | 6.5622% | 3,305 |
| Retained earnings to average equity (ytd only) | 0.9655% | 4,108 |
| Net charge-offs to loans | 0.1262% | 1,088 |
| Credit loss provision to net charge-offs | 638.6476% | 1,062 |
| Earnings coverage of net charge-offs (x) | 17.7752% | 1,804 |
| Efficiency ratio | 53.8085% | 4,200 |
| Assets per employee ($millions) | 6.6705% | 1,661 |
| Cash dividends to net income (ytd only)* | 85.2863% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,533 |
| Loan loss allowance to noncurrent loans | 187.7832% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 2,303 |
| Noncurrent loans to loans | 0.6377% | 2,269 |
| Net loans and leases to total assets | 71.4997% | 1,799 |
| Net loans and leases to deposits | 92.3879% | 1,113 |
| Net loans and leases to core deposits | 100.5294% | 1,221 |
| Total domestic deposits to total assets | 77.3907% | 4,263 |
| Equity capital to assets | 11.5797% | 1,919 |
| Core capital (leverage) ratio | 9.3832% | 3,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7875% | 2,280 |
| Memoranda: | ||
| Average total assets | $4,024,028,667 | 285 |
| Average earning assets | $3,649,605,000 | 281 |
| Average equity | $502,516,667 | 253 |
| Average total loans | $2,881,635,333 | 265 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 3,665 |
| Cost of funding earning assets | 0.5389% | 3,751 |
| Net interest margin | 3.5054% | 2,959 |
| Noninterest income to average assets | 0.6091% | 2,004 |
| Noninterest expense to average assets | 2.2101% | 3,980 |
| Loan and lease loss provision to assets | 0.5719% | 491 |
| Net operating income to assets | 0.7628% | 3,044 |
| Return on assets (ROA) | 0.8067% | 2,972 |
| Pretax return on assets | 1.0452% | 2,685 |
| Return on Equity (ROE) | 6.1987% | 3,237 |
| Retained earnings to average equity (ytd only) | -5.1113% | 4,530 |
| Net charge-offs to loans | 0.1747% | 763 |
| Credit loss provision to net charge-offs | 461.3636% | 923 |
| Earnings coverage of net charge-offs (x) | 12.5572% | 1,688 |
| Efficiency ratio | 56.2583% | 4,189 |
| Assets per employee ($millions) | 5.6894% | 1,939 |
| Cash dividends to net income (ytd only)* | 182.4575% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,684 |
| Loan loss allowance to noncurrent loans | 150.8973% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 2,078 |
| Noncurrent loans to loans | 0.7939% | 2,024 |
| Net loans and leases to total assets | 70.7083% | 2,132 |
| Net loans and leases to deposits | 91.6131% | 1,328 |
| Net loans and leases to core deposits | 95.7018% | 1,822 |
| Total domestic deposits to total assets | 77.1814% | 4,329 |
| Equity capital to assets | 12.8360% | 1,529 |
| Core capital (leverage) ratio | 10.2955% | 3,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4460% | 2,097 |
| Memoranda: | ||
| Average total assets | $3,821,432,000 | 286 |
| Average earning assets | $3,447,579,000 | 287 |
| Average equity | $497,329,000 | 257 |
| Average total loans | $2,719,822,000 | 274 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 3,372 |
| Cost of funding earning assets | 0.6543% | 3,389 |
| Net interest margin | 3.7035% | 2,806 |
| Noninterest income to average assets | 0.5945% | 2,253 |
| Noninterest expense to average assets | 2.2240% | 4,113 |
| Loan and lease loss provision to assets | 0.1679% | 1,242 |
| Net operating income to assets | 1.1684% | 2,182 |
| Return on assets (ROA) | 1.1849% | 2,214 |
| Pretax return on assets | 1.5572% | 1,626 |
| Return on Equity (ROE) | 9.1879% | 2,666 |
| Retained earnings to average equity (ytd only) | 2.1699% | 3,910 |
| Net charge-offs to loans | 0.2179% | 938 |
| Credit loss provision to net charge-offs | 112.6423% | 2,229 |
| Earnings coverage of net charge-offs (x) | 11.4360% | 2,498 |
| Efficiency ratio | 54.1400% | 4,410 |
| Assets per employee ($millions) | 5.6839% | 1,889 |
| Cash dividends to net income (ytd only)* | 76.3829% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 3,526 |
| Loan loss allowance to noncurrent loans | 107.1383% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 1,716 |
| Noncurrent loans to loans | 0.9319% | 1,641 |
| Net loans and leases to total assets | 70.0707% | 2,387 |
| Net loans and leases to deposits | 90.5524% | 1,530 |
| Net loans and leases to core deposits | 94.5750% | 2,014 |
| Total domestic deposits to total assets | 77.3814% | 4,450 |
| Equity capital to assets | 13.1936% | 1,418 |
| Core capital (leverage) ratio | 10.3673% | 3,107 |
| Tier 1 risk-based capital ratio | 13.6917% | 3,419 |
| Total risk-based capital ratio | 14.6505% | 3,461 |
| Memoranda: | ||
| Average total assets | $3,832,464,200 | 275 |
| Average earning assets | $3,449,741,400 | 272 |
| Average equity | $494,261,400 | 250 |
| Average total loans | $2,621,393,600 | 275 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3891% | 3,394 |
| Cost of funding earning assets | 0.6670% | 3,363 |
| Net interest margin | 3.7221% | 2,845 |
| Noninterest income to average assets | 0.5854% | 2,283 |
| Noninterest expense to average assets | 2.2485% | 4,076 |
| Loan and lease loss provision to assets | 0.1284% | 1,511 |
| Net operating income to assets | 1.1767% | 2,272 |
| Return on assets (ROA) | 1.1856% | 2,326 |
| Pretax return on assets | 1.5678% | 1,747 |
| Return on Equity (ROE) | 9.2458% | 2,781 |
| Retained earnings to average equity (ytd only) | 2.8970% | 3,937 |
| Net charge-offs to loans | 0.1610% | 1,040 |
| Credit loss provision to net charge-offs | 117.5573% | 1,988 |
| Earnings coverage of net charge-offs (x) | 15.4294% | 2,182 |
| Efficiency ratio | 54.6320% | 4,317 |
| Assets per employee ($millions) | 5.6766% | 1,866 |
| Cash dividends to net income (ytd only)* | 68.6667% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 3,461 |
| Loan loss allowance to noncurrent loans | 124.7888% | 2,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 2,002 |
| Noncurrent loans to loans | 0.8168% | 1,928 |
| Net loans and leases to total assets | 68.1753% | 2,766 |
| Net loans and leases to deposits | 85.8885% | 2,201 |
| Net loans and leases to core deposits | 89.7950% | 2,558 |
| Total domestic deposits to total assets | 79.3765% | 4,104 |
| Equity capital to assets | 13.2179% | 1,504 |
| Core capital (leverage) ratio | 10.4042% | 3,190 |
| Tier 1 risk-based capital ratio | 13.1592% | 3,756 |
| Total risk-based capital ratio | 14.0787% | 3,838 |
| Memoranda: | ||
| Average total assets | $3,838,528,750 | 276 |
| Average earning assets | $3,452,868,750 | 274 |
| Average equity | $492,216,500 | 253 |
| Average total loans | $2,602,905,500 | 279 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3837% | 3,378 |
| Cost of funding earning assets | 0.6473% | 3,427 |
| Net interest margin | 3.7364% | 2,808 |
| Noninterest income to average assets | 0.5867% | 2,214 |
| Noninterest expense to average assets | 2.3475% | 3,875 |
| Loan and lease loss provision to assets | 0.0539% | 2,741 |
| Net operating income to assets | 1.1715% | 2,252 |
| Return on assets (ROA) | 1.1827% | 2,279 |
| Pretax return on assets | 1.5631% | 1,657 |
| Return on Equity (ROE) | 9.3178% | 2,715 |
| Retained earnings to average equity (ytd only) | 2.4084% | 3,977 |
| Net charge-offs to loans | 0.0669% | 1,699 |
| Credit loss provision to net charge-offs | 119.5853% | 1,743 |
| Earnings coverage of net charge-offs (x) | 35.5334% | 1,323 |
| Efficiency ratio | 56.0759% | 4,239 |
| Assets per employee ($millions) | 5.7088% | 1,778 |
| Cash dividends to net income (ytd only)* | 74.1530% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,418 |
| Loan loss allowance to noncurrent loans | 114.6343% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 1,971 |
| Noncurrent loans to loans | 0.9029% | 1,812 |
| Net loans and leases to total assets | 66.0862% | 3,093 |
| Net loans and leases to deposits | 82.8878% | 2,631 |
| Net loans and leases to core deposits | 86.6667% | 2,911 |
| Total domestic deposits to total assets | 79.7298% | 4,089 |
| Equity capital to assets | 13.0184% | 1,581 |
| Core capital (leverage) ratio | 10.2191% | 3,369 |
| Tier 1 risk-based capital ratio | 12.9138% | 3,882 |
| Total risk-based capital ratio | 13.8167% | 3,987 |
| Memoranda: | ||
| Average total assets | $3,848,362,000 | 277 |
| Average earning assets | $3,464,480,330 | 275 |
| Average equity | $488,464,330 | 252 |
| Average total loans | $2,596,021,330 | 281 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 3,733 |
| Cost of funding earning assets | 0.6292% | 3,410 |
| Net interest margin | 3.6148% | 3,202 |
| Noninterest income to average assets | 0.5703% | 2,181 |
| Noninterest expense to average assets | 2.2381% | 4,167 |
| Loan and lease loss provision to assets | 0.1103% | 1,615 |
| Net operating income to assets | 1.1496% | 2,273 |
| Return on assets (ROA) | 1.1515% | 2,309 |
| Pretax return on assets | 1.5209% | 1,700 |
| Return on Equity (ROE) | 9.5508% | 2,570 |
| Retained earnings to average equity (ytd only) | 5.0232% | 2,895 |
| Net charge-offs to loans | 0.0735% | 1,328 |
| Credit loss provision to net charge-offs | 216.7048% | 1,000 |
| Earnings coverage of net charge-offs (x) | 32.0046% | 1,287 |
| Efficiency ratio | 55.8052% | 4,358 |
| Assets per employee ($millions) | 5.6458% | 1,845 |
| Cash dividends to net income (ytd only)* | 47.4057% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1290% | 2,974 |
| Loan loss allowance to noncurrent loans | 113.5113% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.7741% | 1,823 |
| Noncurrent loans to loans | 0.9946% | 1,684 |
| Net loans and leases to total assets | 67.3399% | 2,854 |
| Net loans and leases to deposits | 83.4770% | 2,443 |
| Net loans and leases to core deposits | 87.3636% | 2,750 |
| Total domestic deposits to total assets | 80.6688% | 4,029 |
| Equity capital to assets | 12.1053% | 1,960 |
| Core capital (leverage) ratio | 9.8375% | 3,779 |
| Tier 1 risk-based capital ratio | 12.3500% | 4,266 |
| Total risk-based capital ratio | 13.3492% | 4,296 |
| Memoranda: | ||
| Average total assets | $3,434,553,000 | 298 |
| Average earning assets | $3,132,276,500 | 292 |
| Average equity | $414,080,000 | 283 |
| Average total loans | $2,378,660,500 | 300 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 4,020 |
| Cost of funding earning assets | 0.3549% | 4,253 |
| Net interest margin | 3.6481% | 3,233 |
| Noninterest income to average assets | 0.6906% | 1,884 |
| Noninterest expense to average assets | 2.3269% | 4,059 |
| Loan and lease loss provision to assets | 0.2593% | 656 |
| Net operating income to assets | 1.0979% | 2,606 |
| Return on assets (ROA) | 1.1191% | 2,517 |
| Pretax return on assets | 1.4773% | 1,852 |
| Return on Equity (ROE) | 9.6379% | 2,671 |
| Retained earnings to average equity (ytd only) | 4.2032% | 3,240 |
| Net charge-offs to loans | 0.1038% | 1,722 |
| Credit loss provision to net charge-offs | 353.0346% | 903 |
| Earnings coverage of net charge-offs (x) | 23.2758% | 1,858 |
| Efficiency ratio | 55.7061% | 4,445 |
| Assets per employee ($millions) | 5.7091% | 1,765 |
| Cash dividends to net income (ytd only)* | 56.3893% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0947% | 3,134 |
| Loan loss allowance to noncurrent loans | 97.1618% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8552% | 1,635 |
| Noncurrent loans to loans | 1.1266% | 1,425 |
| Net loans and leases to total assets | 69.6592% | 2,619 |
| Net loans and leases to deposits | 87.1900% | 2,145 |
| Net loans and leases to core deposits | 90.4471% | 2,535 |
| Total domestic deposits to total assets | 79.8936% | 4,127 |
| Equity capital to assets | 12.0062% | 1,888 |
| Core capital (leverage) ratio | 9.9199% | 3,678 |
| Tier 1 risk-based capital ratio | 11.8937% | 4,500 |
| Total risk-based capital ratio | 12.8546% | 4,555 |
| Memoranda: | ||
| Average total assets | $3,342,361,600 | 299 |
| Average earning assets | $3,065,517,000 | 294 |
| Average equity | $388,112,800 | 291 |
| Average total loans | $2,365,945,600 | 299 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8907% | 4,234 |
| Cost of funding earning assets | 0.3008% | 4,508 |
| Net interest margin | 3.5899% | 3,401 |
| Noninterest income to average assets | 0.7205% | 1,789 |
| Noninterest expense to average assets | 2.3297% | 4,022 |
| Loan and lease loss provision to assets | 0.2196% | 757 |
| Net operating income to assets | 1.1094% | 2,621 |
| Return on assets (ROA) | 1.1379% | 2,515 |
| Pretax return on assets | 1.5043% | 1,885 |
| Return on Equity (ROE) | 9.8851% | 2,672 |
| Retained earnings to average equity (ytd only) | 4.1765% | 3,688 |
| Net charge-offs to loans | 0.0916% | 1,583 |
| Credit loss provision to net charge-offs | 338.2480% | 929 |
| Earnings coverage of net charge-offs (x) | 25.9951% | 1,760 |
| Efficiency ratio | 56.0727% | 4,381 |
| Assets per employee ($millions) | 5.4486% | 1,966 |
| Cash dividends to net income (ytd only)* | 57.7493% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 3,812 |
| Loan loss allowance to noncurrent loans | 94.0988% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 1,806 |
| Noncurrent loans to loans | 1.0555% | 1,616 |
| Net loans and leases to total assets | 71.0317% | 2,484 |
| Net loans and leases to deposits | 88.0766% | 2,145 |
| Net loans and leases to core deposits | 93.1425% | 2,381 |
| Total domestic deposits to total assets | 80.6476% | 3,971 |
| Equity capital to assets | 11.9052% | 1,965 |
| Core capital (leverage) ratio | 9.8338% | 3,813 |
| Tier 1 risk-based capital ratio | 12.0252% | 4,494 |
| Total risk-based capital ratio | 12.9232% | 4,581 |
| Memoranda: | ||
| Average total assets | $3,328,724,750 | 297 |
| Average earning assets | $3,057,213,250 | 295 |
| Average equity | $383,180,750 | 289 |
| Average total loans | $2,359,319,750 | 295 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 3,934 |
| Cost of funding earning assets | 0.2668% | 4,658 |
| Net interest margin | 3.6815% | 3,003 |
| Noninterest income to average assets | 0.8529% | 1,311 |
| Noninterest expense to average assets | 2.3941% | 3,914 |
| Loan and lease loss provision to assets | 0.1573% | 1,195 |
| Net operating income to assets | 1.2734% | 1,884 |
| Return on assets (ROA) | 1.3235% | 1,688 |
| Pretax return on assets | 1.7540% | 1,089 |
| Return on Equity (ROE) | 11.7156% | 1,836 |
| Retained earnings to average equity (ytd only) | 4.4115% | 3,396 |
| Net charge-offs to loans | 0.0492% | 1,907 |
| Credit loss provision to net charge-offs | 459.6708% | 748 |
| Earnings coverage of net charge-offs (x) | 54.0021% | 1,072 |
| Efficiency ratio | 54.9047% | 4,591 |
| Assets per employee ($millions) | 5.1067% | 2,283 |
| Cash dividends to net income (ytd only)* | 62.3451% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,386 |
| Loan loss allowance to noncurrent loans | 125.6725% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 2,229 |
| Noncurrent loans to loans | 0.8593% | 2,005 |
| Net loans and leases to total assets | 69.4647% | 2,657 |
| Net loans and leases to deposits | 85.4124% | 2,389 |
| Net loans and leases to core deposits | 89.0198% | 2,647 |
| Total domestic deposits to total assets | 81.3286% | 3,907 |
| Equity capital to assets | 11.2232% | 2,432 |
| Core capital (leverage) ratio | 9.7015% | 3,884 |
| Tier 1 risk-based capital ratio | 11.6030% | 4,742 |
| Total risk-based capital ratio | 12.5399% | 4,799 |
| Memoranda: | ||
| Average total assets | $2,840,565,330 | 334 |
| Average earning assets | $2,614,969,330 | 327 |
| Average equity | $320,889,670 | 323 |
| Average total loans | $1,976,330,000 | 329 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 3,982 |
| Cost of funding earning assets | 0.2477% | 4,720 |
| Net interest margin | 3.6329% | 3,057 |
| Noninterest income to average assets | 0.8446% | 1,320 |
| Noninterest expense to average assets | 2.3707% | 4,018 |
| Loan and lease loss provision to assets | 0.1492% | 1,221 |
| Net operating income to assets | 1.2359% | 1,866 |
| Return on assets (ROA) | 1.2381% | 1,866 |
| Pretax return on assets | 1.6645% | 1,210 |
| Return on Equity (ROE) | 10.9243% | 1,999 |
| Retained earnings to average equity (ytd only) | 5.0760% | 3,136 |
| Net charge-offs to loans | 0.0533% | 1,572 |
| Credit loss provision to net charge-offs | 404.2146% | 686 |
| Earnings coverage of net charge-offs (x) | 49.0613% | 955 |
| Efficiency ratio | 55.1407% | 4,682 |
| Assets per employee ($millions) | 5.1102% | 2,354 |
| Cash dividends to net income (ytd only)* | 53.5351% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0503% | 3,659 |
| Loan loss allowance to noncurrent loans | 123.1239% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7553% | 2,061 |
| Noncurrent loans to loans | 0.8530% | 2,116 |
| Net loans and leases to total assets | 69.2492% | 2,596 |
| Net loans and leases to deposits | 84.8514% | 2,304 |
| Net loans and leases to core deposits | 88.9858% | 2,542 |
| Total domestic deposits to total assets | 81.6124% | 4,061 |
| Equity capital to assets | 11.3059% | 2,292 |
| Core capital (leverage) ratio | 9.6310% | 3,930 |
| Tier 1 risk-based capital ratio | 11.6540% | 4,768 |
| Total risk-based capital ratio | 12.5650% | 4,860 |
| Memoranda: | ||
| Average total assets | $2,828,417,000 | 332 |
| Average earning assets | $2,598,026,500 | 330 |
| Average equity | $320,569,500 | 329 |
| Average total loans | $1,958,599,000 | 333 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 3,845 |
| Cost of funding earning assets | 0.1977% | 4,967 |
| Net interest margin | 3.6643% | 2,938 |
| Noninterest income to average assets | 0.8468% | 1,419 |
| Noninterest expense to average assets | 2.4354% | 3,974 |
| Loan and lease loss provision to assets | 0.2637% | 690 |
| Net operating income to assets | 0.9611% | 2,401 |
| Return on assets (ROA) | 0.9750% | 2,392 |
| Pretax return on assets | 1.5228% | 1,554 |
| Return on Equity (ROE) | 8.6754% | 2,461 |
| Retained earnings to average equity (ytd only) | 2.9602% | 3,528 |
| Net charge-offs to loans | 0.2290% | 1,132 |
| Credit loss provision to net charge-offs | 176.0736% | 1,543 |
| Earnings coverage of net charge-offs (x) | 11.7829% | 2,533 |
| Efficiency ratio | 56.3261% | 4,735 |
| Assets per employee ($millions) | 5.1100% | 2,352 |
| Cash dividends to net income (ytd only)* | 65.8777% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,744 |
| Loan loss allowance to noncurrent loans | 119.9172% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 2,009 |
| Noncurrent loans to loans | 0.8589% | 2,081 |
| Net loans and leases to total assets | 67.8057% | 2,849 |
| Net loans and leases to deposits | 83.9401% | 2,497 |
| Net loans and leases to core deposits | 88.1994% | 2,705 |
| Total domestic deposits to total assets | 80.7787% | 4,174 |
| Equity capital to assets | 11.3618% | 2,315 |
| Core capital (leverage) ratio | 9.6283% | 3,890 |
| Tier 1 risk-based capital ratio | 11.5105% | 4,842 |
| Total risk-based capital ratio | 12.3861% | 4,953 |
| Memoranda: | ||
| Average total assets | $2,829,635,200 | 316 |
| Average earning assets | $2,589,552,000 | 314 |
| Average equity | $318,015,400 | 321 |
| Average total loans | $1,850,870,200 | 331 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8324% | 3,894 |
| Cost of funding earning assets | 0.1867% | 5,082 |
| Net interest margin | 3.6457% | 2,973 |
| Noninterest income to average assets | 0.8284% | 1,481 |
| Noninterest expense to average assets | 2.4012% | 4,017 |
| Loan and lease loss provision to assets | 0.2380% | 748 |
| Net operating income to assets | 1.0325% | 2,402 |
| Return on assets (ROA) | 1.0514% | 2,363 |
| Pretax return on assets | 1.5560% | 1,555 |
| Return on Equity (ROE) | 9.3808% | 2,409 |
| Retained earnings to average equity (ytd only) | 3.7097% | 3,716 |
| Net charge-offs to loans | 0.2344% | 916 |
| Credit loss provision to net charge-offs | 157.1073% | 1,626 |
| Earnings coverage of net charge-offs (x) | 11.6582% | 2,486 |
| Efficiency ratio | 55.9055% | 4,753 |
| Assets per employee ($millions) | 5.1103% | 2,318 |
| Cash dividends to net income (ytd only)* | 60.4545% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 4,090 |
| Loan loss allowance to noncurrent loans | 134.8593% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 2,486 |
| Noncurrent loans to loans | 0.7381% | 2,514 |
| Net loans and leases to total assets | 66.3881% | 3,057 |
| Net loans and leases to deposits | 82.8696% | 2,676 |
| Net loans and leases to core deposits | 87.2659% | 2,845 |
| Total domestic deposits to total assets | 80.1115% | 4,291 |
| Equity capital to assets | 11.6795% | 2,207 |
| Core capital (leverage) ratio | 9.5697% | 4,067 |
| Tier 1 risk-based capital ratio | 12.0815% | 4,554 |
| Total risk-based capital ratio | 12.9351% | 4,726 |
| Memoranda: | ||
| Average total assets | $2,829,314,750 | 320 |
| Average earning assets | $2,591,289,750 | 316 |
| Average equity | $317,108,500 | 322 |
| Average total loans | $1,828,712,500 | 336 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8294% | 3,790 |
| Cost of funding earning assets | 0.1710% | 5,203 |
| Net interest margin | 3.6584% | 2,802 |
| Noninterest income to average assets | 0.8226% | 1,489 |
| Noninterest expense to average assets | 2.4283% | 3,971 |
| Loan and lease loss provision to assets | 0.2505% | 665 |
| Net operating income to assets | 1.0073% | 2,389 |
| Return on assets (ROA) | 1.0230% | 2,365 |
| Pretax return on assets | 1.5191% | 1,569 |
| Return on Equity (ROE) | 9.2550% | 2,387 |
| Retained earnings to average equity (ytd only) | 3.0600% | 3,889 |
| Net charge-offs to loans | 0.2320% | 882 |
| Credit loss provision to net charge-offs | 169.1358% | 1,410 |
| Earnings coverage of net charge-offs (x) | 11.7896% | 2,242 |
| Efficiency ratio | 56.4623% | 4,769 |
| Assets per employee ($millions) | 5.0919% | 2,283 |
| Cash dividends to net income (ytd only)* | 66.9370% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9974% | 4,162 |
| Loan loss allowance to noncurrent loans | 165.3259% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 2,846 |
| Noncurrent loans to loans | 0.6033% | 2,916 |
| Net loans and leases to total assets | 64.1886% | 3,361 |
| Net loans and leases to deposits | 78.6852% | 3,048 |
| Net loans and leases to core deposits | 83.1248% | 3,161 |
| Total domestic deposits to total assets | 81.5764% | 4,022 |
| Equity capital to assets | 11.4327% | 2,386 |
| Core capital (leverage) ratio | 9.4422% | 4,187 |
| Tier 1 risk-based capital ratio | 11.9834% | 4,645 |
| Total risk-based capital ratio | 12.8195% | 4,803 |
| Memoranda: | ||
| Average total assets | $2,844,054,000 | 324 |
| Average earning assets | $2,605,646,330 | 321 |
| Average equity | $314,382,670 | 325 |
| Average total loans | $1,815,762,670 | 341 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7193% | 4,054 |
| Cost of funding earning assets | 0.1638% | 5,283 |
| Net interest margin | 3.5555% | 3,059 |
| Noninterest income to average assets | 0.8148% | 1,502 |
| Noninterest expense to average assets | 2.4402% | 3,997 |
| Loan and lease loss provision to assets | 0.2410% | 640 |
| Net operating income to assets | 0.9248% | 2,642 |
| Return on assets (ROA) | 0.9248% | 2,699 |
| Pretax return on assets | 1.3870% | 1,930 |
| Return on Equity (ROE) | 8.5096% | 2,671 |
| Retained earnings to average equity (ytd only) | 0.7984% | 4,720 |
| Net charge-offs to loans | 0.1389% | 1,105 |
| Credit loss provision to net charge-offs | 273.7679% | 833 |
| Earnings coverage of net charge-offs (x) | 18.4944% | 1,563 |
| Efficiency ratio | 58.2545% | 4,688 |
| Assets per employee ($millions) | 5.1326% | 2,266 |
| Cash dividends to net income (ytd only)* | 90.6174% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 4,328 |
| Loan loss allowance to noncurrent loans | 83.0549% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 0.9005% | 2,060 |
| Noncurrent loans to loans | 1.1966% | 1,686 |
| Net loans and leases to total assets | 62.6362% | 3,447 |
| Net loans and leases to deposits | 76.1334% | 3,184 |
| Net loans and leases to core deposits | 80.4743% | 3,243 |
| Total domestic deposits to total assets | 82.2716% | 4,090 |
| Equity capital to assets | 11.0110% | 2,615 |
| Core capital (leverage) ratio | 9.3880% | 4,244 |
| Tier 1 risk-based capital ratio | 12.1079% | 4,646 |
| Total risk-based capital ratio | 12.9334% | 4,821 |
| Memoranda: | ||
| Average total assets | $2,858,178,500 | 325 |
| Average earning assets | $2,615,321,500 | 321 |
| Average equity | $310,612,500 | 326 |
| Average total loans | $1,810,827,000 | 341 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 4,803 |
| Cost of funding earning assets | 0.1546% | 5,391 |
| Net interest margin | 3.3373% | 4,038 |
| Noninterest income to average assets | 1.0013% | 1,139 |
| Noninterest expense to average assets | 2.5089% | 3,980 |
| Loan and lease loss provision to assets | 0.1267% | 1,960 |
| Net operating income to assets | 0.9451% | 2,607 |
| Return on assets (ROA) | 0.9815% | 2,533 |
| Pretax return on assets | 1.5117% | 1,550 |
| Return on Equity (ROE) | 9.5354% | 2,176 |
| Retained earnings to average equity (ytd only) | 1.3987% | 4,712 |
| Net charge-offs to loans | 0.0411% | 3,207 |
| Credit loss provision to net charge-offs | 494.4954% | 671 |
| Earnings coverage of net charge-offs (x) | 61.7505% | 868 |
| Efficiency ratio | 59.7258% | 4,627 |
| Assets per employee ($millions) | 4.5744% | 3,009 |
| Cash dividends to net income (ytd only)* | 85.3317% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2060% | 3,089 |
| Loan loss allowance to noncurrent loans | 236.5102% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.4009% | 3,661 |
| Noncurrent loans to loans | 0.5099% | 3,318 |
| Net loans and leases to total assets | 62.2725% | 3,575 |
| Net loans and leases to deposits | 76.6912% | 3,239 |
| Net loans and leases to core deposits | 77.8078% | 3,584 |
| Total domestic deposits to total assets | 81.1991% | 4,288 |
| Equity capital to assets | 9.6833% | 4,093 |
| Core capital (leverage) ratio | 8.6172% | 5,155 |
| Tier 1 risk-based capital ratio | 11.3825% | 5,128 |
| Total risk-based capital ratio | 12.4354% | 5,125 |
| Memoranda: | ||
| Average total assets | $2,126,743,200 | 377 |
| Average earning assets | $1,969,110,000 | 373 |
| Average equity | $218,922,200 | 404 |
| Average total loans | $1,325,041,200 | 409 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4936% | 4,824 |
| Cost of funding earning assets | 0.1564% | 5,439 |
| Net interest margin | 3.3372% | 4,069 |
| Noninterest income to average assets | 1.0015% | 1,146 |
| Noninterest expense to average assets | 2.5590% | 3,795 |
| Loan and lease loss provision to assets | 0.1219% | 1,911 |
| Net operating income to assets | 0.9175% | 2,820 |
| Return on assets (ROA) | 0.9640% | 2,734 |
| Pretax return on assets | 1.4849% | 1,760 |
| Return on Equity (ROE) | 9.2217% | 2,389 |
| Retained earnings to average equity (ytd only) | 1.8488% | 4,756 |
| Net charge-offs to loans | 0.0355% | 2,919 |
| Credit loss provision to net charge-offs | 552.4355% | 655 |
| Earnings coverage of net charge-offs (x) | 69.5647% | 861 |
| Efficiency ratio | 60.8081% | 4,425 |
| Assets per employee ($millions) | 4.4613% | 3,149 |
| Cash dividends to net income (ytd only)* | 79.9515% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 3,343 |
| Loan loss allowance to noncurrent loans | 282.3314% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 3,966 |
| Noncurrent loans to loans | 0.4194% | 3,774 |
| Net loans and leases to total assets | 63.8884% | 3,418 |
| Net loans and leases to deposits | 77.5144% | 3,241 |
| Net loans and leases to core deposits | 79.0792% | 3,542 |
| Total domestic deposits to total assets | 82.4214% | 3,804 |
| Equity capital to assets | 10.5819% | 3,474 |
| Core capital (leverage) ratio | 8.6557% | 5,210 |
| Tier 1 risk-based capital ratio | 11.7965% | 4,920 |
| Total risk-based capital ratio | 12.8528% | 4,939 |
| Memoranda: | ||
| Average total assets | $2,108,352,750 | 380 |
| Average earning assets | $1,953,916,250 | 376 |
| Average equity | $220,387,250 | 403 |
| Average total loans | $1,309,573,500 | 416 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4771% | 4,932 |
| Cost of funding earning assets | 0.1545% | 5,516 |
| Net interest margin | 3.3226% | 4,150 |
| Noninterest income to average assets | 0.9798% | 1,175 |
| Noninterest expense to average assets | 2.5715% | 3,815 |
| Loan and lease loss provision to assets | 0.0803% | 2,535 |
| Net operating income to assets | 0.9130% | 2,798 |
| Return on assets (ROA) | 0.9539% | 2,753 |
| Pretax return on assets | 1.4733% | 1,760 |
| Return on Equity (ROE) | 9.1633% | 2,423 |
| Retained earnings to average equity (ytd only) | 3.1821% | 3,875 |
| Net charge-offs to loans | 0.0400% | 2,659 |
| Credit loss provision to net charge-offs | 327.9070% | 902 |
| Earnings coverage of net charge-offs (x) | 60.8876% | 865 |
| Efficiency ratio | 61.5151% | 4,425 |
| Assets per employee ($millions) | 4.3668% | 3,275 |
| Cash dividends to net income (ytd only)* | 65.2740% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 3,624 |
| Loan loss allowance to noncurrent loans | 351.7513% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 4,269 |
| Noncurrent loans to loans | 0.3278% | 4,191 |
| Net loans and leases to total assets | 61.6373% | 3,663 |
| Net loans and leases to deposits | 76.0411% | 3,376 |
| Net loans and leases to core deposits | 77.4291% | 3,696 |
| Total domestic deposits to total assets | 81.0579% | 4,259 |
| Equity capital to assets | 10.5848% | 3,548 |
| Core capital (leverage) ratio | 8.9300% | 4,906 |
| Tier 1 risk-based capital ratio | 12.4081% | 4,591 |
| Total risk-based capital ratio | 13.4250% | 4,635 |
| Memoranda: | ||
| Average total assets | $2,107,745,000 | 383 |
| Average earning assets | $1,955,254,670 | 377 |
| Average equity | $219,417,670 | 405 |
| Average total loans | $1,291,327,000 | 419 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4812% | 4,932 |
| Cost of funding earning assets | 0.1526% | 5,588 |
| Net interest margin | 3.3287% | 4,113 |
| Noninterest income to average assets | 0.9553% | 1,172 |
| Noninterest expense to average assets | 2.6574% | 3,551 |
| Loan and lease loss provision to assets | 0.0215% | 3,403 |
| Net operating income to assets | 0.8841% | 2,834 |
| Return on assets (ROA) | 0.9162% | 2,788 |
| Pretax return on assets | 1.4196% | 1,847 |
| Return on Equity (ROE) | 8.8753% | 2,484 |
| Retained earnings to average equity (ytd only) | 3.7020% | 3,642 |
| Net charge-offs to loans | -0.0147% | 4,704 |
| Credit loss provision to net charge-offs | -240.4255% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7114% | 4,168 |
| Assets per employee ($millions) | 4.3924% | 3,261 |
| Cash dividends to net income (ytd only)* | 58.2884% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 3,741 |
| Loan loss allowance to noncurrent loans | 380.1858% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 4,438 |
| Noncurrent loans to loans | 0.3035% | 4,336 |
| Net loans and leases to total assets | 59.8652% | 3,792 |
| Net loans and leases to deposits | 72.3431% | 3,619 |
| Net loans and leases to core deposits | 73.3617% | 3,951 |
| Total domestic deposits to total assets | 82.7517% | 3,984 |
| Equity capital to assets | 10.4245% | 3,582 |
| Core capital (leverage) ratio | 8.8908% | 4,971 |
| Tier 1 risk-based capital ratio | 12.5704% | 4,536 |
| Total risk-based capital ratio | 13.5822% | 4,601 |
| Memoranda: | ||
| Average total assets | $2,107,042,500 | 382 |
| Average earning assets | $1,958,380,500 | 377 |
| Average equity | $217,502,000 | 405 |
| Average total loans | $1,279,397,000 | 411 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5191% | 4,867 |
| Cost of funding earning assets | 0.1751% | 5,500 |
| Net interest margin | 3.3440% | 4,131 |
| Noninterest income to average assets | 0.9793% | 1,234 |
| Noninterest expense to average assets | 2.5489% | 4,076 |
| Loan and lease loss provision to assets | 0.0730% | 2,811 |
| Net operating income to assets | 0.9520% | 2,603 |
| Return on assets (ROA) | 0.9680% | 2,609 |
| Pretax return on assets | 1.5133% | 1,516 |
| Return on Equity (ROE) | 8.7461% | 2,598 |
| Retained earnings to average equity (ytd only) | 5.6982% | 1,959 |
| Net charge-offs to loans | 0.0372% | 3,478 |
| Credit loss provision to net charge-offs | 310.8491% | 956 |
| Earnings coverage of net charge-offs (x) | 66.5071% | 808 |
| Efficiency ratio | 60.8359% | 4,780 |
| Assets per employee ($millions) | 4.4145% | 3,184 |
| Cash dividends to net income (ytd only)* | 34.8490% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 3,821 |
| Loan loss allowance to noncurrent loans | 427.1981% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.2752% | 4,488 |
| Noncurrent loans to loans | 0.2662% | 4,491 |
| Net loans and leases to total assets | 60.1840% | 3,810 |
| Net loans and leases to deposits | 72.9765% | 3,617 |
| Net loans and leases to core deposits | 74.0646% | 3,934 |
| Total domestic deposits to total assets | 82.4704% | 4,026 |
| Equity capital to assets | 10.2206% | 3,716 |
| Core capital (leverage) ratio | 8.8326% | 5,073 |
| Tier 1 risk-based capital ratio | 12.7321% | 4,489 |
| Total risk-based capital ratio | 13.7553% | 4,522 |
| Memoranda: | ||
| Average total assets | $1,806,242,200 | 402 |
| Average earning assets | $1,691,089,200 | 396 |
| Average equity | $199,905,200 | 414 |
| Average total loans | $1,138,860,600 | 436 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5143% | 4,947 |
| Cost of funding earning assets | 0.1808% | 5,544 |
| Net interest margin | 3.3335% | 4,206 |
| Noninterest income to average assets | 0.9517% | 1,311 |
| Noninterest expense to average assets | 2.5073% | 4,175 |
| Loan and lease loss provision to assets | 0.0685% | 2,810 |
| Net operating income to assets | 0.9574% | 2,685 |
| Return on assets (ROA) | 0.9688% | 2,712 |
| Pretax return on assets | 1.5157% | 1,641 |
| Return on Equity (ROE) | 8.5542% | 2,795 |
| Retained earnings to average equity (ytd only) | 6.6414% | 1,871 |
| Net charge-offs to loans | 0.0415% | 3,054 |
| Credit loss provision to net charge-offs | 259.1837% | 1,105 |
| Earnings coverage of net charge-offs (x) | 59.3005% | 929 |
| Efficiency ratio | 60.6666% | 4,797 |
| Assets per employee ($millions) | 4.4251% | 3,133 |
| Cash dividends to net income (ytd only)* | 22.3609% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 3,922 |
| Loan loss allowance to noncurrent loans | 479.5416% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 4,731 |
| Noncurrent loans to loans | 0.2399% | 4,713 |
| Net loans and leases to total assets | 58.6564% | 4,060 |
| Net loans and leases to deposits | 70.4201% | 3,931 |
| Net loans and leases to core deposits | 71.5804% | 4,225 |
| Total domestic deposits to total assets | 83.2949% | 3,701 |
| Equity capital to assets | 10.3028% | 3,813 |
| Core capital (leverage) ratio | 9.7607% | 3,949 |
| Tier 1 risk-based capital ratio | 13.2480% | 4,290 |
| Total risk-based capital ratio | 14.2984% | 4,320 |
| Memoranda: | ||
| Average total assets | $1,731,369,750 | 426 |
| Average earning assets | $1,621,465,750 | 412 |
| Average equity | $196,077,000 | 424 |
| Average total loans | $1,103,103,500 | 446 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 4,507 |
| Cost of funding earning assets | 0.1832% | 5,590 |
| Net interest margin | 3.4868% | 3,551 |
| Noninterest income to average assets | 0.9786% | 1,222 |
| Noninterest expense to average assets | 2.5464% | 4,083 |
| Loan and lease loss provision to assets | 0.0506% | 3,112 |
| Net operating income to assets | 1.0491% | 2,145 |
| Return on assets (ROA) | 1.0673% | 2,173 |
| Pretax return on assets | 1.6773% | 1,130 |
| Return on Equity (ROE) | 9.0720% | 2,498 |
| Retained earnings to average equity (ytd only) | 6.1098% | 2,166 |
| Net charge-offs to loans | 0.0300% | 3,064 |
| Credit loss provision to net charge-offs | 256.6038% | 1,033 |
| Earnings coverage of net charge-offs (x) | 86.2390% | 664 |
| Efficiency ratio | 59.0665% | 5,102 |
| Assets per employee ($millions) | 4.2576% | 3,376 |
| Cash dividends to net income (ytd only)* | 32.6521% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 3,157 |
| Loan loss allowance to noncurrent loans | 564.4652% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 4,680 |
| Noncurrent loans to loans | 0.2330% | 4,835 |
| Net loans and leases to total assets | 64.2633% | 3,232 |
| Net loans and leases to deposits | 82.1931% | 2,530 |
| Net loans and leases to core deposits | 83.5784% | 3,024 |
| Total domestic deposits to total assets | 78.1858% | 5,238 |
| Equity capital to assets | 12.7897% | 1,500 |
| Core capital (leverage) ratio | 11.9355% | 1,695 |
| Tier 1 risk-based capital ratio | 16.3987% | 2,661 |
| Total risk-based capital ratio | 17.5906% | 2,651 |
| Memoranda: | ||
| Average total assets | $1,613,756,670 | 449 |
| Average earning assets | $1,512,121,670 | 437 |
| Average equity | $189,858,670 | 439 |
| Average total loans | $1,058,555,000 | 460 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5857% | 4,732 |
| Cost of funding earning assets | 0.1856% | 5,639 |
| Net interest margin | 3.4001% | 3,844 |
| Noninterest income to average assets | 0.9643% | 1,202 |
| Noninterest expense to average assets | 2.4854% | 4,309 |
| Loan and lease loss provision to assets | 0.0659% | 2,619 |
| Net operating income to assets | 1.0161% | 2,190 |
| Return on assets (ROA) | 1.0526% | 2,161 |
| Pretax return on assets | 1.6556% | 1,146 |
| Return on Equity (ROE) | 9.3593% | 2,280 |
| Retained earnings to average equity (ytd only) | 9.3593% | 1,079 |
| Net charge-offs to loans | -0.0601% | 5,615 |
| Credit loss provision to net charge-offs | -166.6667% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9614% | 5,230 |
| Assets per employee ($millions) | 4.3410% | 3,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 3,200 |
| Loan loss allowance to noncurrent loans | 338.4357% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 4,400 |
| Noncurrent loans to loans | 0.3954% | 4,405 |
| Net loans and leases to total assets | 64.4054% | 3,041 |
| Net loans and leases to deposits | 81.0969% | 2,436 |
| Net loans and leases to core deposits | 82.7204% | 2,892 |
| Total domestic deposits to total assets | 79.4178% | 5,190 |
| Equity capital to assets | 11.4151% | 2,548 |
| Core capital (leverage) ratio | 10.3275% | 3,190 |
| Tier 1 risk-based capital ratio | 14.0533% | 3,968 |
| Total risk-based capital ratio | 15.2556% | 3,934 |
| Memoranda: | ||
| Average total assets | $1,607,440,500 | 451 |
| Average earning assets | $1,506,091,000 | 437 |
| Average equity | $180,783,000 | 458 |
| Average total loans | $1,058,281,000 | 457 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,756 |
| Cost of funding earning assets | 0.1850% | 5,877 |
| Net interest margin | 3.5236% | 3,703 |
| Noninterest income to average assets | 0.9946% | 1,228 |
| Noninterest expense to average assets | 2.6150% | 4,164 |
| Loan and lease loss provision to assets | 0.0397% | 3,781 |
| Net operating income to assets | 1.0140% | 2,320 |
| Return on assets (ROA) | 1.0429% | 2,273 |
| Pretax return on assets | 1.6724% | 1,046 |
| Return on Equity (ROE) | 9.7355% | 2,234 |
| Retained earnings to average equity (ytd only) | 5.3199% | 2,394 |
| Net charge-offs to loans | 0.0192% | 4,468 |
| Credit loss provision to net charge-offs | 320.9184% | 817 |
| Earnings coverage of net charge-offs (x) | 134.8724% | 400 |
| Efficiency ratio | 60.1231% | 5,206 |
| Assets per employee ($millions) | 4.2441% | 3,460 |
| Cash dividends to net income (ytd only)* | 45.3561% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 3,495 |
| Loan loss allowance to noncurrent loans | 333.3009% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.2957% | 4,853 |
| Noncurrent loans to loans | 0.3864% | 4,483 |
| Net loans and leases to total assets | 65.5439% | 2,972 |
| Net loans and leases to deposits | 82.2087% | 2,447 |
| Net loans and leases to core deposits | 84.8496% | 2,798 |
| Total domestic deposits to total assets | 79.7287% | 5,087 |
| Equity capital to assets | 11.0766% | 2,829 |
| Core capital (leverage) ratio | 10.0813% | 3,461 |
| Tier 1 risk-based capital ratio | 13.8364% | 4,212 |
| Total risk-based capital ratio | 15.0248% | 4,187 |
| Memoranda: | ||
| Average total assets | $1,585,807,400 | 442 |
| Average earning assets | $1,479,524,000 | 428 |
| Average equity | $169,872,800 | 467 |
| Average total loans | $1,020,040,000 | 450 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6887% | 4,894 |
| Cost of funding earning assets | 0.1826% | 5,975 |
| Net interest margin | 3.5061% | 3,803 |
| Noninterest income to average assets | 0.9805% | 1,282 |
| Noninterest expense to average assets | 2.5984% | 4,202 |
| Loan and lease loss provision to assets | 0.0417% | 3,566 |
| Net operating income to assets | 1.0040% | 2,438 |
| Return on assets (ROA) | 1.0425% | 2,328 |
| Pretax return on assets | 1.6725% | 1,131 |
| Return on Equity (ROE) | 9.8168% | 2,300 |
| Retained earnings to average equity (ytd only) | 5.3536% | 2,847 |
| Net charge-offs to loans | 0.0052% | 4,519 |
| Credit loss provision to net charge-offs | 1,269.2308% | 271 |
| Earnings coverage of net charge-offs (x) | 503.2952% | 150 |
| Efficiency ratio | 60.1387% | 5,160 |
| Assets per employee ($millions) | 4.2584% | 3,367 |
| Cash dividends to net income (ytd only)* | 45.4655% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 3,565 |
| Loan loss allowance to noncurrent loans | 309.7875% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 4,948 |
| Noncurrent loans to loans | 0.4250% | 4,632 |
| Net loans and leases to total assets | 64.8493% | 3,050 |
| Net loans and leases to deposits | 78.8567% | 2,857 |
| Net loans and leases to core deposits | 81.6059% | 3,136 |
| Total domestic deposits to total assets | 82.2369% | 4,404 |
| Equity capital to assets | 10.9437% | 3,011 |
| Core capital (leverage) ratio | 9.9676% | 3,725 |
| Tier 1 risk-based capital ratio | 13.9167% | 4,282 |
| Total risk-based capital ratio | 15.1340% | 4,244 |
| Memoranda: | ||
| Average total assets | $1,582,251,250 | 441 |
| Average earning assets | $1,476,594,000 | 428 |
| Average equity | $168,033,750 | 464 |
| Average total loans | $1,009,448,500 | 448 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,954 |
| Cost of funding earning assets | 0.1828% | 6,055 |
| Net interest margin | 3.4862% | 3,835 |
| Noninterest income to average assets | 0.9782% | 1,262 |
| Noninterest expense to average assets | 2.5954% | 4,256 |
| Loan and lease loss provision to assets | 0.0570% | 3,153 |
| Net operating income to assets | 0.9793% | 2,412 |
| Return on assets (ROA) | 1.0387% | 2,238 |
| Pretax return on assets | 1.6661% | 1,097 |
| Return on Equity (ROE) | 9.8811% | 2,208 |
| Retained earnings to average equity (ytd only) | 6.4972% | 2,039 |
| Net charge-offs to loans | 0.0038% | 4,252 |
| Credit loss provision to net charge-offs | 2,373.6842% | 157 |
| Earnings coverage of net charge-offs (x) | 678.5789% | 101 |
| Efficiency ratio | 60.4465% | 5,229 |
| Assets per employee ($millions) | 4.1551% | 3,543 |
| Cash dividends to net income (ytd only)* | 34.2464% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3383% | 3,652 |
| Loan loss allowance to noncurrent loans | 306.1996% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 5,046 |
| Noncurrent loans to loans | 0.4371% | 4,679 |
| Net loans and leases to total assets | 64.0444% | 3,067 |
| Net loans and leases to deposits | 77.9380% | 2,810 |
| Net loans and leases to core deposits | 80.6751% | 3,135 |
| Total domestic deposits to total assets | 82.1735% | 4,589 |
| Equity capital to assets | 10.8693% | 3,012 |
| Core capital (leverage) ratio | 10.0066% | 3,601 |
| Tier 1 risk-based capital ratio | 14.0167% | 4,253 |
| Total risk-based capital ratio | 15.2417% | 4,204 |
| Memoranda: | ||
| Average total assets | $1,581,622,000 | 444 |
| Average earning assets | $1,473,359,670 | 430 |
| Average equity | $166,257,330 | 469 |
| Average total loans | $998,928,670 | 451 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 5,074 |
| Cost of funding earning assets | 0.1868% | 6,100 |
| Net interest margin | 3.4412% | 3,935 |
| Noninterest income to average assets | 0.9378% | 1,287 |
| Noninterest expense to average assets | 2.5776% | 4,348 |
| Loan and lease loss provision to assets | 0.0815% | 2,530 |
| Net operating income to assets | 0.9274% | 2,514 |
| Return on assets (ROA) | 0.9582% | 2,437 |
| Pretax return on assets | 1.5298% | 1,339 |
| Return on Equity (ROE) | 9.2722% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.2722% | 1,164 |
| Net charge-offs to loans | -0.0126% | 5,134 |
| Credit loss provision to net charge-offs | -1,041.9355% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2567% | 5,238 |
| Assets per employee ($millions) | 4.2048% | 3,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 3,737 |
| Loan loss allowance to noncurrent loans | 265.8913% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.5946% | 4,368 |
| Noncurrent loans to loans | 0.5159% | 4,624 |
| Net loans and leases to total assets | 62.1981% | 3,206 |
| Net loans and leases to deposits | 74.7712% | 2,975 |
| Net loans and leases to core deposits | 77.3446% | 3,270 |
| Total domestic deposits to total assets | 83.1846% | 4,537 |
| Equity capital to assets | 10.6140% | 3,123 |
| Core capital (leverage) ratio | 9.7758% | 3,893 |
| Tier 1 risk-based capital ratio | 13.7521% | 4,499 |
| Total risk-based capital ratio | 14.9757% | 4,476 |
| Memoranda: | ||
| Average total assets | $1,585,034,000 | 447 |
| Average earning assets | $1,475,289,000 | 432 |
| Average equity | $163,801,000 | 472 |
| Average total loans | $987,267,500 | 455 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 5,206 |
| Cost of funding earning assets | 0.2065% | 6,251 |
| Net interest margin | 3.4701% | 4,024 |
| Noninterest income to average assets | 0.9820% | 1,436 |
| Noninterest expense to average assets | 2.6109% | 4,420 |
| Loan and lease loss provision to assets | 0.1403% | 2,554 |
| Net operating income to assets | 0.9114% | 2,721 |
| Return on assets (ROA) | 1.0053% | 2,369 |
| Pretax return on assets | 1.6146% | 1,133 |
| Return on Equity (ROE) | 9.8817% | 2,158 |
| Retained earnings to average equity (ytd only) | 9.2927% | 713 |
| Net charge-offs to loans | 0.0773% | 4,134 |
| Credit loss provision to net charge-offs | 304.5833% | 749 |
| Earnings coverage of net charge-offs (x) | 34.9250% | 1,060 |
| Efficiency ratio | 60.8625% | 5,369 |
| Assets per employee ($millions) | 4.2039% | 3,436 |
| Cash dividends to net income (ytd only)* | 5.9613% | 4,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 3,902 |
| Loan loss allowance to noncurrent loans | 216.4516% | 1,967 |
| Noncurrent assets plus other real estate owned to assets | 0.6473% | 4,292 |
| Noncurrent loans to loans | 0.6228% | 4,422 |
| Net loans and leases to total assets | 60.6932% | 3,592 |
| Net loans and leases to deposits | 75.0469% | 3,094 |
| Net loans and leases to core deposits | 77.6316% | 3,413 |
| Total domestic deposits to total assets | 80.8737% | 5,214 |
| Equity capital to assets | 10.0588% | 3,684 |
| Core capital (leverage) ratio | 9.6150% | 4,097 |
| Tier 1 risk-based capital ratio | 13.6727% | 4,537 |
| Total risk-based capital ratio | 14.8934% | 4,501 |
| Memoranda: | ||
| Average total assets | $1,563,577,400 | 442 |
| Average earning assets | $1,458,619,600 | 424 |
| Average equity | $159,061,000 | 474 |
| Average total loans | $931,147,600 | 456 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 5,247 |
| Cost of funding earning assets | 0.2108% | 6,349 |
| Net interest margin | 3.4610% | 4,052 |
| Noninterest income to average assets | 0.9681% | 1,549 |
| Noninterest expense to average assets | 2.6202% | 4,326 |
| Loan and lease loss provision to assets | 0.1464% | 2,449 |
| Net operating income to assets | 0.8857% | 2,908 |
| Return on assets (ROA) | 1.0114% | 2,420 |
| Pretax return on assets | 1.6269% | 1,277 |
| Return on Equity (ROE) | 9.9139% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.9139% | 808 |
| Net charge-offs to loans | 0.0735% | 3,891 |
| Credit loss provision to net charge-offs | 337.3518% | 762 |
| Earnings coverage of net charge-offs (x) | 36.3458% | 1,076 |
| Efficiency ratio | 61.3867% | 5,217 |
| Assets per employee ($millions) | 4.0006% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3760% | 3,999 |
| Loan loss allowance to noncurrent loans | 188.6192% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.7136% | 4,321 |
| Noncurrent loans to loans | 0.7295% | 4,395 |
| Net loans and leases to total assets | 60.5455% | 3,603 |
| Net loans and leases to deposits | 73.2482% | 3,357 |
| Net loans and leases to core deposits | 75.4446% | 3,678 |
| Total domestic deposits to total assets | 82.6581% | 4,699 |
| Equity capital to assets | 10.3605% | 3,435 |
| Core capital (leverage) ratio | 9.5127% | 4,384 |
| Tier 1 risk-based capital ratio | 14.0387% | 4,394 |
| Total risk-based capital ratio | 15.2618% | 4,375 |
| Memoranda: | ||
| Average total assets | $1,555,104,750 | 445 |
| Average earning assets | $1,450,792,500 | 428 |
| Average equity | $158,654,750 | 479 |
| Average total loans | $918,233,500 | 460 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6311% | 5,352 |
| Cost of funding earning assets | 0.2199% | 6,369 |
| Net interest margin | 3.4113% | 4,156 |
| Noninterest income to average assets | 0.9617% | 1,624 |
| Noninterest expense to average assets | 2.5787% | 4,461 |
| Loan and lease loss provision to assets | 0.0938% | 3,223 |
| Net operating income to assets | 0.9131% | 2,728 |
| Return on assets (ROA) | 0.9816% | 2,557 |
| Pretax return on assets | 1.5801% | 1,422 |
| Return on Equity (ROE) | 9.6703% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.6703% | 922 |
| Net charge-offs to loans | 0.0829% | 3,540 |
| Credit loss provision to net charge-offs | 194.1645% | 1,221 |
| Earnings coverage of net charge-offs (x) | 32.4483% | 1,089 |
| Efficiency ratio | 61.1494% | 5,303 |
| Assets per employee ($millions) | 4.0571% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 4,382 |
| Loan loss allowance to noncurrent loans | 180.7629% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 4,204 |
| Noncurrent loans to loans | 0.7328% | 4,460 |
| Net loans and leases to total assets | 58.4627% | 3,913 |
| Net loans and leases to deposits | 70.6538% | 3,633 |
| Net loans and leases to core deposits | 71.5239% | 4,108 |
| Total domestic deposits to total assets | 82.7452% | 4,801 |
| Equity capital to assets | 10.0534% | 3,849 |
| Core capital (leverage) ratio | 9.1534% | 4,752 |
| Tier 1 risk-based capital ratio | 13.8370% | 4,537 |
| Total risk-based capital ratio | 15.0301% | 4,550 |
| Memoranda: | ||
| Average total assets | $1,561,398,670 | 440 |
| Average earning assets | $1,457,353,330 | 429 |
| Average equity | $158,486,000 | 474 |
| Average total loans | $909,947,670 | 461 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6161% | 5,408 |
| Cost of funding earning assets | 0.2370% | 6,368 |
| Net interest margin | 3.3791% | 4,198 |
| Noninterest income to average assets | 0.9314% | 1,655 |
| Noninterest expense to average assets | 2.5325% | 4,647 |
| Loan and lease loss provision to assets | 0.1224% | 2,699 |
| Net operating income to assets | 0.8881% | 2,708 |
| Return on assets (ROA) | 0.9457% | 2,594 |
| Pretax return on assets | 1.5218% | 1,511 |
| Return on Equity (ROE) | 9.2733% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.2733% | 1,293 |
| Net charge-offs to loans | 0.1200% | 2,702 |
| Credit loss provision to net charge-offs | 176.4706% | 1,201 |
| Earnings coverage of net charge-offs (x) | 22.4154% | 1,135 |
| Efficiency ratio | 60.9094% | 5,456 |
| Assets per employee ($millions) | 4.1495% | 3,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 4,571 |
| Loan loss allowance to noncurrent loans | 146.8627% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 4,136 |
| Noncurrent loans to loans | 0.9037% | 4,327 |
| Net loans and leases to total assets | 56.8045% | 3,961 |
| Net loans and leases to deposits | 67.5043% | 3,836 |
| Net loans and leases to core deposits | 68.3254% | 4,260 |
| Total domestic deposits to total assets | 84.1495% | 4,410 |
| Equity capital to assets | 10.2791% | 3,823 |
| Core capital (leverage) ratio | 8.8066% | 5,177 |
| Tier 1 risk-based capital ratio | 13.4538% | 4,909 |
| Total risk-based capital ratio | 14.6366% | 4,902 |
| Memoranda: | ||
| Average total assets | $1,569,227,000 | 441 |
| Average earning assets | $1,465,229,500 | 430 |
| Average equity | $160,029,000 | 475 |
| Average total loans | $907,015,000 | 463 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 5,452 |
| Cost of funding earning assets | 0.3708% | 6,103 |
| Net interest margin | 3.5749% | 4,208 |
| Noninterest income to average assets | 0.9808% | 1,591 |
| Noninterest expense to average assets | 2.6197% | 4,671 |
| Loan and lease loss provision to assets | 0.1729% | 3,463 |
| Net operating income to assets | 0.9369% | 2,618 |
| Return on assets (ROA) | 0.9812% | 2,645 |
| Pretax return on assets | 1.5751% | 1,451 |
| Return on Equity (ROE) | 9.9191% | 2,205 |
| Retained earnings to average equity (ytd only) | 9.3005% | 745 |
| Net charge-offs to loans | 0.2285% | 3,565 |
| Credit loss provision to net charge-offs | 132.9483% | 2,109 |
| Earnings coverage of net charge-offs (x) | 12.9086% | 1,887 |
| Efficiency ratio | 59.7964% | 5,573 |
| Assets per employee ($millions) | 4.1643% | 3,626 |
| Cash dividends to net income (ytd only)* | 6.2371% | 4,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,669 |
| Loan loss allowance to noncurrent loans | 155.4998% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8748% | 4,300 |
| Noncurrent loans to loans | 0.8312% | 4,530 |
| Net loans and leases to total assets | 57.2813% | 4,087 |
| Net loans and leases to deposits | 69.8589% | 3,731 |
| Net loans and leases to core deposits | 70.7742% | 4,196 |
| Total domestic deposits to total assets | 81.9957% | 5,098 |
| Equity capital to assets | 10.1169% | 4,015 |
| Core capital (leverage) ratio | 8.5585% | 5,525 |
| Tier 1 risk-based capital ratio | 12.8868% | 5,190 |
| Total risk-based capital ratio | 14.0350% | 5,203 |
| Memoranda: | ||
| Average total assets | $1,531,052,600 | 442 |
| Average earning assets | $1,420,856,800 | 426 |
| Average equity | $151,454,600 | 483 |
| Average total loans | $871,453,200 | 470 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 5,590 |
| Cost of funding earning assets | 0.3957% | 6,143 |
| Net interest margin | 3.5777% | 4,329 |
| Noninterest income to average assets | 0.9374% | 1,711 |
| Noninterest expense to average assets | 2.6178% | 4,682 |
| Loan and lease loss provision to assets | 0.1535% | 3,609 |
| Net operating income to assets | 0.9247% | 2,854 |
| Return on assets (ROA) | 0.9841% | 2,820 |
| Pretax return on assets | 1.5781% | 1,645 |
| Return on Equity (ROE) | 10.0071% | 2,345 |
| Retained earnings to average equity (ytd only) | 10.0071% | 910 |
| Net charge-offs to loans | 0.1897% | 3,598 |
| Credit loss provision to net charge-offs | 142.8222% | 2,016 |
| Earnings coverage of net charge-offs (x) | 15.2512% | 1,779 |
| Efficiency ratio | 60.2907% | 5,450 |
| Assets per employee ($millions) | 4.0486% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,837 |
| Loan loss allowance to noncurrent loans | 163.2782% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.8586% | 4,577 |
| Noncurrent loans to loans | 0.7930% | 4,820 |
| Net loans and leases to total assets | 57.7020% | 4,178 |
| Net loans and leases to deposits | 70.6874% | 3,804 |
| Net loans and leases to core deposits | 71.8016% | 4,277 |
| Total domestic deposits to total assets | 81.6299% | 5,155 |
| Equity capital to assets | 10.1931% | 4,214 |
| Core capital (leverage) ratio | 8.5153% | 5,727 |
| Tier 1 risk-based capital ratio | 12.8080% | 5,401 |
| Total risk-based capital ratio | 13.9653% | 5,429 |
| Memoranda: | ||
| Average total assets | $1,521,328,000 | 442 |
| Average earning assets | $1,411,354,750 | 429 |
| Average equity | $149,610,750 | 485 |
| Average total loans | $861,550,250 | 476 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9873% | 5,684 |
| Cost of funding earning assets | 0.4247% | 6,131 |
| Net interest margin | 3.5627% | 4,408 |
| Noninterest income to average assets | 0.9198% | 1,714 |
| Noninterest expense to average assets | 2.6377% | 4,660 |
| Loan and lease loss provision to assets | 0.1361% | 3,823 |
| Net operating income to assets | 0.9029% | 2,896 |
| Return on assets (ROA) | 0.9724% | 2,816 |
| Pretax return on assets | 1.5570% | 1,688 |
| Return on Equity (ROE) | 10.0116% | 2,344 |
| Retained earnings to average equity (ytd only) | 10.0116% | 970 |
| Net charge-offs to loans | 0.1640% | 3,624 |
| Credit loss provision to net charge-offs | 148.1322% | 1,868 |
| Earnings coverage of net charge-offs (x) | 17.2514% | 1,543 |
| Efficiency ratio | 61.1983% | 5,386 |
| Assets per employee ($millions) | 4.0008% | 3,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 4,650 |
| Loan loss allowance to noncurrent loans | 184.1936% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.9373% | 4,496 |
| Noncurrent loans to loans | 0.7352% | 5,038 |
| Net loans and leases to total assets | 54.4583% | 4,714 |
| Net loans and leases to deposits | 66.7633% | 4,402 |
| Net loans and leases to core deposits | 67.8591% | 4,804 |
| Total domestic deposits to total assets | 81.5693% | 5,277 |
| Equity capital to assets | 9.8773% | 4,510 |
| Core capital (leverage) ratio | 8.2752% | 5,955 |
| Tier 1 risk-based capital ratio | 12.7261% | 5,399 |
| Total risk-based capital ratio | 13.8964% | 5,438 |
| Memoranda: | ||
| Average total assets | $1,515,617,670 | 440 |
| Average earning assets | $1,404,895,000 | 435 |
| Average equity | $147,209,000 | 490 |
| Average total loans | $848,944,670 | 485 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 5,720 |
| Cost of funding earning assets | 0.4544% | 6,119 |
| Net interest margin | 3.5572% | 4,457 |
| Noninterest income to average assets | 0.9389% | 1,601 |
| Noninterest expense to average assets | 2.6501% | 4,621 |
| Loan and lease loss provision to assets | 0.1632% | 3,349 |
| Net operating income to assets | 0.8854% | 2,991 |
| Return on assets (ROA) | 0.9506% | 2,901 |
| Pretax return on assets | 1.5206% | 1,822 |
| Return on Equity (ROE) | 9.8720% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.8720% | 1,297 |
| Net charge-offs to loans | 0.2079% | 2,883 |
| Credit loss provision to net charge-offs | 139.1403% | 1,766 |
| Earnings coverage of net charge-offs (x) | 13.4864% | 1,531 |
| Efficiency ratio | 61.1839% | 5,427 |
| Assets per employee ($millions) | 3.9837% | 4,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3431% | 4,833 |
| Loan loss allowance to noncurrent loans | 161.6056% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 4,430 |
| Noncurrent loans to loans | 0.8311% | 5,009 |
| Net loans and leases to total assets | 54.5109% | 4,635 |
| Net loans and leases to deposits | 66.3404% | 4,325 |
| Net loans and leases to core deposits | 67.2948% | 4,760 |
| Total domestic deposits to total assets | 82.1684% | 5,236 |
| Equity capital to assets | 9.6561% | 4,578 |
| Core capital (leverage) ratio | 8.1154% | 6,139 |
| Tier 1 risk-based capital ratio | 12.3232% | 5,736 |
| Total risk-based capital ratio | 13.4796% | 5,774 |
| Memoranda: | ||
| Average total assets | $1,507,272,000 | 441 |
| Average earning assets | $1,395,352,500 | 436 |
| Average equity | $145,138,000 | 490 |
| Average total loans | $850,454,500 | 483 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 6,206 |
| Cost of funding earning assets | 0.5565% | 6,305 |
| Net interest margin | 3.5824% | 4,798 |
| Noninterest income to average assets | 0.9045% | 1,656 |
| Noninterest expense to average assets | 2.6563% | 4,900 |
| Loan and lease loss provision to assets | 0.2084% | 4,101 |
| Net operating income to assets | 0.8520% | 2,811 |
| Return on assets (ROA) | 0.8348% | 3,056 |
| Pretax return on assets | 1.3274% | 2,028 |
| Return on Equity (ROE) | 9.1529% | 2,387 |
| Retained earnings to average equity (ytd only) | 8.4618% | 933 |
| Net charge-offs to loans | 0.2912% | 3,952 |
| Credit loss provision to net charge-offs | 130.6234% | 2,337 |
| Earnings coverage of net charge-offs (x) | 9.7953% | 1,933 |
| Efficiency ratio | 61.4583% | 5,542 |
| Assets per employee ($millions) | 3.8975% | 4,083 |
| Cash dividends to net income (ytd only)* | 7.5505% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 4,936 |
| Loan loss allowance to noncurrent loans | 165.4024% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 4,341 |
| Noncurrent loans to loans | 0.7817% | 5,122 |
| Net loans and leases to total assets | 56.8717% | 4,566 |
| Net loans and leases to deposits | 71.1667% | 3,926 |
| Net loans and leases to core deposits | 72.2617% | 4,483 |
| Total domestic deposits to total assets | 79.9134% | 5,765 |
| Equity capital to assets | 9.6018% | 4,744 |
| Core capital (leverage) ratio | 7.8521% | 6,401 |
| Tier 1 risk-based capital ratio | 11.7095% | 6,016 |
| Total risk-based capital ratio | 12.8295% | 6,098 |
| Memoranda: | ||
| Average total assets | $1,488,145,200 | 449 |
| Average earning assets | $1,376,843,200 | 431 |
| Average equity | $135,727,200 | 511 |
| Average total loans | $815,147,000 | 509 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1102% | 6,392 |
| Cost of funding earning assets | 0.5766% | 6,396 |
| Net interest margin | 3.5336% | 5,045 |
| Noninterest income to average assets | 0.8640% | 1,780 |
| Noninterest expense to average assets | 2.6233% | 4,995 |
| Loan and lease loss provision to assets | 0.2317% | 3,699 |
| Net operating income to assets | 0.8099% | 3,115 |
| Return on assets (ROA) | 0.8000% | 3,327 |
| Pretax return on assets | 1.2689% | 2,404 |
| Return on Equity (ROE) | 8.8889% | 2,652 |
| Retained earnings to average equity (ytd only) | 8.8889% | 1,186 |
| Net charge-offs to loans | 0.4226% | 3,031 |
| Credit loss provision to net charge-offs | 101.4129% | 3,304 |
| Earnings coverage of net charge-offs (x) | 6.6358% | 2,518 |
| Efficiency ratio | 61.8261% | 5,436 |
| Assets per employee ($millions) | 3.8634% | 4,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 5,105 |
| Loan loss allowance to noncurrent loans | 114.7810% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.3335% | 4,141 |
| Noncurrent loans to loans | 1.1142% | 4,691 |
| Net loans and leases to total assets | 53.8459% | 5,185 |
| Net loans and leases to deposits | 66.4242% | 4,840 |
| Net loans and leases to core deposits | 67.4024% | 5,256 |
| Total domestic deposits to total assets | 81.0637% | 5,414 |
| Equity capital to assets | 9.4741% | 5,125 |
| Core capital (leverage) ratio | 7.6901% | 6,648 |
| Tier 1 risk-based capital ratio | 11.9189% | 5,952 |
| Total risk-based capital ratio | 13.0169% | 6,055 |
| Memoranda: | ||
| Average total assets | $1,486,993,500 | 451 |
| Average earning assets | $1,378,329,500 | 435 |
| Average equity | $133,826,250 | 525 |
| Average total loans | $803,915,250 | 519 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 6,472 |
| Cost of funding earning assets | 0.5915% | 6,505 |
| Net interest margin | 3.5184% | 5,076 |
| Noninterest income to average assets | 0.8656% | 1,755 |
| Noninterest expense to average assets | 2.6228% | 5,104 |
| Loan and lease loss provision to assets | 0.2501% | 3,403 |
| Net operating income to assets | 0.7921% | 3,113 |
| Return on assets (ROA) | 0.8034% | 3,185 |
| Pretax return on assets | 1.2692% | 2,242 |
| Return on Equity (ROE) | 9.0871% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.0871% | 1,073 |
| Net charge-offs to loans | 0.3885% | 3,007 |
| Credit loss provision to net charge-offs | 119.4337% | 2,562 |
| Earnings coverage of net charge-offs (x) | 7.1712% | 2,263 |
| Efficiency ratio | 62.0340% | 5,578 |
| Assets per employee ($millions) | 3.8776% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 4,890 |
| Loan loss allowance to noncurrent loans | 104.4230% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 1.4081% | 4,106 |
| Noncurrent loans to loans | 1.2795% | 4,525 |
| Net loans and leases to total assets | 52.3610% | 5,524 |
| Net loans and leases to deposits | 63.9083% | 5,287 |
| Net loans and leases to core deposits | 64.8771% | 5,622 |
| Total domestic deposits to total assets | 81.9314% | 5,193 |
| Equity capital to assets | 9.0582% | 5,497 |
| Core capital (leverage) ratio | 7.4070% | 6,806 |
| Tier 1 risk-based capital ratio | 11.7542% | 5,971 |
| Total risk-based capital ratio | 12.9033% | 6,044 |
| Memoranda: | ||
| Average total assets | $1,484,284,330 | 455 |
| Average earning assets | $1,374,763,000 | 445 |
| Average equity | $131,218,670 | 536 |
| Average total loans | $800,056,670 | 529 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 6,449 |
| Cost of funding earning assets | 0.6042% | 6,599 |
| Net interest margin | 3.5225% | 4,905 |
| Noninterest income to average assets | 0.9235% | 1,571 |
| Noninterest expense to average assets | 2.5928% | 5,255 |
| Loan and lease loss provision to assets | 0.2554% | 3,101 |
| Net operating income to assets | 0.8451% | 2,798 |
| Return on assets (ROA) | 0.8444% | 2,860 |
| Pretax return on assets | 1.3419% | 1,907 |
| Return on Equity (ROE) | 9.6738% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.6738% | 1,193 |
| Net charge-offs to loans | 0.3411% | 2,696 |
| Credit loss provision to net charge-offs | 137.8299% | 2,033 |
| Earnings coverage of net charge-offs (x) | 8.6261% | 1,807 |
| Efficiency ratio | 60.3202% | 5,940 |
| Assets per employee ($millions) | 3.7044% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 4,949 |
| Loan loss allowance to noncurrent loans | 94.3234% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.5946% | 3,858 |
| Noncurrent loans to loans | 1.4202% | 4,336 |
| Net loans and leases to total assets | 52.9408% | 5,461 |
| Net loans and leases to deposits | 63.6391% | 5,299 |
| Net loans and leases to core deposits | 64.5272% | 5,676 |
| Total domestic deposits to total assets | 83.1890% | 4,859 |
| Equity capital to assets | 8.8035% | 5,490 |
| Core capital (leverage) ratio | 7.3063% | 6,851 |
| Tier 1 risk-based capital ratio | 11.6218% | 6,007 |
| Total risk-based capital ratio | 12.7874% | 6,056 |
| Memoranda: | ||
| Average total assets | $1,472,241,500 | 465 |
| Average earning assets | $1,365,753,000 | 454 |
| Average equity | $128,512,500 | 541 |
| Average total loans | $799,839,000 | 538 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 6,544 |
| Cost of funding earning assets | 0.8418% | 6,392 |
| Net interest margin | 3.5975% | 4,833 |
| Noninterest income to average assets | 1.0374% | 1,396 |
| Noninterest expense to average assets | 2.7407% | 4,812 |
| Loan and lease loss provision to assets | 0.3016% | 4,396 |
| Net operating income to assets | 0.8716% | 2,500 |
| Return on assets (ROA) | 0.8257% | 2,829 |
| Pretax return on assets | 1.2677% | 2,021 |
| Return on Equity (ROE) | 8.0290% | 2,690 |
| Retained earnings to average equity (ytd only) | 3.2479% | 3,593 |
| Net charge-offs to loans | 0.3829% | 4,127 |
| Credit loss provision to net charge-offs | 133.1789% | 2,942 |
| Earnings coverage of net charge-offs (x) | 7.2420% | 2,170 |
| Efficiency ratio | 61.4159% | 5,826 |
| Assets per employee ($millions) | 3.6569% | 4,565 |
| Cash dividends to net income (ytd only)* | 59.5485% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 5,047 |
| Loan loss allowance to noncurrent loans | 111.3695% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.0569% | 4,895 |
| Noncurrent loans to loans | 1.1599% | 4,786 |
| Net loans and leases to total assets | 54.2945% | 5,602 |
| Net loans and leases to deposits | 65.2685% | 5,486 |
| Net loans and leases to core deposits | 66.8618% | 5,787 |
| Total domestic deposits to total assets | 83.1864% | 4,713 |
| Equity capital to assets | 8.6536% | 5,650 |
| Core capital (leverage) ratio | 7.0685% | 6,990 |
| Tier 1 risk-based capital ratio | 11.1842% | 6,191 |
| Total risk-based capital ratio | 12.3156% | 6,251 |
| Memoranda: | ||
| Average total assets | $1,239,213,200 | 541 |
| Average earning assets | $1,151,572,000 | 531 |
| Average equity | $127,437,400 | 533 |
| Average total loans | $732,841,600 | 595 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 6,662 |
| Cost of funding earning assets | 0.8929% | 6,417 |
| Net interest margin | 3.5817% | 4,965 |
| Noninterest income to average assets | 1.0422% | 1,335 |
| Noninterest expense to average assets | 2.6843% | 4,948 |
| Loan and lease loss provision to assets | 0.3073% | 4,120 |
| Net operating income to assets | 0.9014% | 2,603 |
| Return on assets (ROA) | 0.8384% | 2,978 |
| Pretax return on assets | 1.2835% | 2,216 |
| Return on Equity (ROE) | 7.7720% | 2,999 |
| Retained earnings to average equity (ytd only) | 4.3450% | 3,435 |
| Net charge-offs to loans | 0.2348% | 4,535 |
| Credit loss provision to net charge-offs | 216.6005% | 1,604 |
| Earnings coverage of net charge-offs (x) | 11.8968% | 1,745 |
| Efficiency ratio | 60.4041% | 5,891 |
| Assets per employee ($millions) | 3.6873% | 4,537 |
| Cash dividends to net income (ytd only)* | 44.0935% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 4,622 |
| Loan loss allowance to noncurrent loans | 104.3835% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.0788% | 4,954 |
| Noncurrent loans to loans | 1.3129% | 4,670 |
| Net loans and leases to total assets | 53.8700% | 5,867 |
| Net loans and leases to deposits | 65.1562% | 5,766 |
| Net loans and leases to core deposits | 66.7602% | 6,060 |
| Total domestic deposits to total assets | 82.6781% | 4,724 |
| Equity capital to assets | 8.9543% | 5,646 |
| Core capital (leverage) ratio | 8.7815% | 5,044 |
| Tier 1 risk-based capital ratio | 11.2965% | 6,101 |
| Total risk-based capital ratio | 12.4917% | 6,147 |
| Memoranda: | ||
| Average total assets | $1,183,331,250 | 562 |
| Average earning assets | $1,100,080,250 | 545 |
| Average equity | $127,651,750 | 522 |
| Average total loans | $714,906,750 | 610 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8121% | 5,755 |
| Cost of funding earning assets | 0.9780% | 6,246 |
| Net interest margin | 3.8341% | 3,741 |
| Noninterest income to average assets | 1.0846% | 1,136 |
| Noninterest expense to average assets | 2.7729% | 4,602 |
| Loan and lease loss provision to assets | 0.3378% | 3,708 |
| Net operating income to assets | 1.0019% | 2,194 |
| Return on assets (ROA) | 0.9147% | 2,600 |
| Pretax return on assets | 1.4021% | 1,834 |
| Return on Equity (ROE) | 7.8819% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.8819% | 1,485 |
| Net charge-offs to loans | 0.3608% | 3,550 |
| Credit loss provision to net charge-offs | 148.6290% | 2,656 |
| Earnings coverage of net charge-offs (x) | 8.2452% | 2,167 |
| Efficiency ratio | 58.6565% | 6,283 |
| Assets per employee ($millions) | 3.4252% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4919% | 3,977 |
| Loan loss allowance to noncurrent loans | 95.5568% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 1.6369% | 3,980 |
| Noncurrent loans to loans | 1.5613% | 4,370 |
| Net loans and leases to total assets | 60.2572% | 5,007 |
| Net loans and leases to deposits | 76.2567% | 4,282 |
| Net loans and leases to core deposits | 79.4160% | 4,757 |
| Total domestic deposits to total assets | 79.0190% | 6,034 |
| Equity capital to assets | 11.9426% | 2,131 |
| Core capital (leverage) ratio | 10.6010% | 2,543 |
| Tier 1 risk-based capital ratio | 15.0962% | 3,108 |
| Total risk-based capital ratio | 16.2835% | 3,110 |
| Memoranda: | ||
| Average total assets | $1,091,047,330 | 603 |
| Average earning assets | $1,013,733,670 | 583 |
| Average equity | $126,619,330 | 521 |
| Average total loans | $687,365,670 | 639 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8547% | 5,666 |
| Cost of funding earning assets | 1.0125% | 6,320 |
| Net interest margin | 3.8422% | 3,614 |
| Noninterest income to average assets | 1.0797% | 1,090 |
| Noninterest expense to average assets | 2.6511% | 5,140 |
| Loan and lease loss provision to assets | 0.2802% | 3,790 |
| Net operating income to assets | 1.1196% | 1,768 |
| Return on assets (ROA) | 1.0281% | 2,138 |
| Pretax return on assets | 1.5873% | 1,296 |
| Return on Equity (ROE) | 8.9916% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.9916% | 1,404 |
| Net charge-offs to loans | 0.3996% | 2,847 |
| Credit loss provision to net charge-offs | 109.6681% | 3,143 |
| Earnings coverage of net charge-offs (x) | 7.8615% | 2,027 |
| Efficiency ratio | 55.8782% | 6,782 |
| Assets per employee ($millions) | 3.3419% | 5,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,479 |
| Loan loss allowance to noncurrent loans | 58.3742% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.7463% | 3,857 |
| Noncurrent loans to loans | 2.3772% | 3,301 |
| Net loans and leases to total assets | 62.5410% | 4,650 |
| Net loans and leases to deposits | 79.1321% | 3,817 |
| Net loans and leases to core deposits | 82.4269% | 4,429 |
| Total domestic deposits to total assets | 79.0337% | 6,069 |
| Equity capital to assets | 11.8423% | 2,138 |
| Core capital (leverage) ratio | 10.4473% | 2,675 |
| Tier 1 risk-based capital ratio | 14.7701% | 3,223 |
| Total risk-based capital ratio | 15.9568% | 3,221 |
| Memoranda: | ||
| Average total assets | $1,085,118,500 | 623 |
| Average earning assets | $1,010,974,500 | 607 |
| Average equity | $124,071,500 | 541 |
| Average total loans | $693,726,000 | 653 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 6,143 |
| Cost of funding earning assets | 1.4480% | 5,732 |
| Net interest margin | 3.6381% | 4,395 |
| Noninterest income to average assets | 1.1113% | 1,243 |
| Noninterest expense to average assets | 2.7128% | 5,327 |
| Loan and lease loss provision to assets | 0.3297% | 4,839 |
| Net operating income to assets | 0.9640% | 1,971 |
| Return on assets (ROA) | 0.8928% | 2,273 |
| Pretax return on assets | 1.3512% | 1,554 |
| Return on Equity (ROE) | 8.4974% | 2,198 |
| Retained earnings to average equity (ytd only) | 8.4974% | 585 |
| Net charge-offs to loans | 0.2429% | 5,103 |
| Credit loss provision to net charge-offs | 209.0750% | 1,837 |
| Earnings coverage of net charge-offs (x) | 11.3438% | 1,596 |
| Efficiency ratio | 59.1674% | 6,598 |
| Assets per employee ($millions) | 3.3358% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 4,477 |
| Loan loss allowance to noncurrent loans | 74.3868% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4329% | 4,267 |
| Noncurrent loans to loans | 1.8152% | 3,905 |
| Net loans and leases to total assets | 63.5684% | 4,686 |
| Net loans and leases to deposits | 81.4609% | 3,703 |
| Net loans and leases to core deposits | 90.1381% | 5,114 |
| Total domestic deposits to total assets | 78.0355% | 6,204 |
| Equity capital to assets | 11.0273% | 2,691 |
| Core capital (leverage) ratio | 9.6750% | 3,492 |
| Tier 1 risk-based capital ratio | 13.3094% | 3,943 |
| Total risk-based capital ratio | 14.4965% | 3,929 |
| Memoranda: | ||
| Average total assets | $1,090,222,600 | 614 |
| Average earning assets | $1,015,924,200 | 599 |
| Average equity | $114,552,200 | 572 |
| Average total loans | $707,608,000 | 657 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1181% | 6,205 |
| Cost of funding earning assets | 1.5654% | 5,569 |
| Net interest margin | 3.5527% | 4,661 |
| Noninterest income to average assets | 1.1277% | 1,237 |
| Noninterest expense to average assets | 2.7089% | 5,280 |
| Loan and lease loss provision to assets | 0.2652% | 4,841 |
| Net operating income to assets | 0.9710% | 2,158 |
| Return on assets (ROA) | 0.9072% | 2,466 |
| Pretax return on assets | 1.3704% | 1,769 |
| Return on Equity (ROE) | 8.7422% | 2,356 |
| Retained earnings to average equity (ytd only) | 8.7422% | 911 |
| Net charge-offs to loans | 0.1423% | 5,276 |
| Credit loss provision to net charge-offs | 286.6579% | 1,460 |
| Earnings coverage of net charge-offs (x) | 18.7226% | 1,335 |
| Efficiency ratio | 59.8646% | 6,432 |
| Assets per employee ($millions) | 3.4214% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2994% | 4,505 |
| Loan loss allowance to noncurrent loans | 79.1139% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.2146% | 4,642 |
| Noncurrent loans to loans | 1.6424% | 4,183 |
| Net loans and leases to total assets | 62.6363% | 5,129 |
| Net loans and leases to deposits | 79.8261% | 4,416 |
| Net loans and leases to core deposits | 89.5774% | 5,478 |
| Total domestic deposits to total assets | 78.4660% | 5,960 |
| Equity capital to assets | 10.8482% | 3,168 |
| Core capital (leverage) ratio | 9.0325% | 4,600 |
| Tier 1 risk-based capital ratio | 13.1803% | 4,065 |
| Total risk-based capital ratio | 14.3529% | 4,053 |
| Memoranda: | ||
| Average total assets | $1,090,910,500 | 626 |
| Average earning assets | $1,017,416,250 | 603 |
| Average equity | $113,210,500 | 590 |
| Average total loans | $709,322,500 | 672 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1072% | 6,406 |
| Cost of funding earning assets | 1.6045% | 5,728 |
| Net interest margin | 3.5026% | 4,789 |
| Noninterest income to average assets | 1.1704% | 1,143 |
| Noninterest expense to average assets | 2.7416% | 5,213 |
| Loan and lease loss provision to assets | 0.2279% | 4,754 |
| Net operating income to assets | 0.9806% | 2,174 |
| Return on assets (ROA) | 0.9005% | 2,561 |
| Pretax return on assets | 1.3541% | 1,855 |
| Return on Equity (ROE) | 8.8105% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.8105% | 984 |
| Net charge-offs to loans | 0.0719% | 5,500 |
| Credit loss provision to net charge-offs | 483.6576% | 958 |
| Earnings coverage of net charge-offs (x) | 36.1479% | 878 |
| Efficiency ratio | 60.5148% | 6,465 |
| Assets per employee ($millions) | 3.5713% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 4,682 |
| Loan loss allowance to noncurrent loans | 81.3146% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.0852% | 4,791 |
| Noncurrent loans to loans | 1.5230% | 4,213 |
| Net loans and leases to total assets | 59.8237% | 5,705 |
| Net loans and leases to deposits | 74.5562% | 5,370 |
| Net loans and leases to core deposits | 86.9107% | 5,815 |
| Total domestic deposits to total assets | 80.2397% | 5,376 |
| Equity capital to assets | 10.0228% | 3,909 |
| Core capital (leverage) ratio | 8.9097% | 4,770 |
| Tier 1 risk-based capital ratio | 12.7974% | 4,292 |
| Total risk-based capital ratio | 13.9125% | 4,305 |
| Memoranda: | ||
| Average total assets | $1,090,741,330 | 633 |
| Average earning assets | $1,019,742,670 | 612 |
| Average equity | $111,481,000 | 608 |
| Average total loans | $714,888,670 | 690 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2705% | 6,025 |
| Cost of funding earning assets | 1.6166% | 5,960 |
| Net interest margin | 3.6540% | 4,082 |
| Noninterest income to average assets | 1.3615% | 769 |
| Noninterest expense to average assets | 2.7546% | 4,761 |
| Loan and lease loss provision to assets | 0.2269% | 4,178 |
| Net operating income to assets | 1.1702% | 1,739 |
| Return on assets (ROA) | 0.9580% | 2,614 |
| Pretax return on assets | 1.4690% | 1,757 |
| Return on Equity (ROE) | 9.2769% | 2,618 |
| Retained earnings to average equity (ytd only) | 9.2769% | 1,406 |
| Net charge-offs to loans | 0.1091% | 4,101 |
| Credit loss provision to net charge-offs | 305.0505% | 1,594 |
| Earnings coverage of net charge-offs (x) | 27.1869% | 1,145 |
| Efficiency ratio | 56.5317% | 6,894 |
| Assets per employee ($millions) | 3.3333% | 5,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,290 |
| Loan loss allowance to noncurrent loans | 103.4157% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0045% | 4,688 |
| Noncurrent loans to loans | 1.0879% | 4,807 |
| Net loans and leases to total assets | 64.6460% | 4,873 |
| Net loans and leases to deposits | 81.3759% | 4,394 |
| Net loans and leases to core deposits | 96.4691% | 4,911 |
| Total domestic deposits to total assets | 79.4412% | 5,562 |
| Equity capital to assets | 10.1823% | 3,779 |
| Core capital (leverage) ratio | 9.4762% | 4,012 |
| Tier 1 risk-based capital ratio | 12.3304% | 4,678 |
| Total risk-based capital ratio | 13.3595% | 4,766 |
| Memoranda: | ||
| Average total assets | $1,064,703,000 | 654 |
| Average earning assets | $995,194,000 | 628 |
| Average equity | $109,950,500 | 612 |
| Average total loans | $726,208,500 | 685 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0678% | 5,216 |
| Cost of funding earning assets | 2.0564% | 6,212 |
| Net interest margin | 4.0114% | 3,062 |
| Noninterest income to average assets | 1.1946% | 1,058 |
| Noninterest expense to average assets | 2.7815% | 4,902 |
| Loan and lease loss provision to assets | 0.3488% | 3,610 |
| Net operating income to assets | 1.1481% | 1,952 |
| Return on assets (ROA) | 1.1665% | 1,812 |
| Pretax return on assets | 1.8127% | 921 |
| Return on Equity (ROE) | 10.9280% | 1,926 |
| Retained earnings to average equity (ytd only) | 2.3195% | 3,756 |
| Net charge-offs to loans | 0.2811% | 3,520 |
| Credit loss provision to net charge-offs | 170.2871% | 3,006 |
| Earnings coverage of net charge-offs (x) | 10.4115% | 2,517 |
| Efficiency ratio | 55.4529% | 7,092 |
| Assets per employee ($millions) | 3.2791% | 5,265 |
| Cash dividends to net income (ytd only)* | 78.7749% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 5,837 |
| Loan loss allowance to noncurrent loans | 104.1455% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9277% | 4,509 |
| Noncurrent loans to loans | 0.9819% | 4,631 |
| Net loans and leases to total assets | 70.4251% | 3,920 |
| Net loans and leases to deposits | 90.6749% | 3,338 |
| Net loans and leases to core deposits | 107.9174% | 3,977 |
| Total domestic deposits to total assets | 77.6677% | 5,816 |
| Equity capital to assets | 10.4775% | 3,531 |
| Core capital (leverage) ratio | 9.1570% | 4,512 |
| Tier 1 risk-based capital ratio | 12.0209% | 4,805 |
| Total risk-based capital ratio | 13.0022% | 4,930 |
| Memoranda: | ||
| Average total assets | $1,020,232,600 | 650 |
| Average earning assets | $946,043,200 | 635 |
| Average equity | $108,903,600 | 621 |
| Average total loans | $743,480,400 | 645 |