Home > First State Community Bank > Performance and Condition Ratios
First State Community Bank, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 2,486 |
| Cost of funding earning assets | 1.8128% | 2,691 |
| Net interest margin | 3.5094% | 2,057 |
| Noninterest income to average assets | 1.3200% | 402 |
| Noninterest expense to average assets | 2.4942% | 2,327 |
| Loan and lease loss provision to assets | 0.1100% | 1,276 |
| Net operating income to assets | 1.5824% | 794 |
| Return on assets (ROA) | 1.5817% | 791 |
| Pretax return on assets | 1.9240% | 673 |
| Return on Equity (ROE) | 14.0100% | 1,122 |
| Retained earnings to average equity (ytd only) | 8.8073% | 856 |
| Net charge-offs to loans | 0.1190% | 1,046 |
| Credit loss provision to net charge-offs | 144.3417% | 1,452 |
| Earnings coverage of net charge-offs (x) | 23.0524% | 1,735 |
| Efficiency ratio | 54.4102% | 3,694 |
| Assets per employee ($millions) | 5.9486% | 2,912 |
| Cash dividends to net income (ytd only)* | 37.1450% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 3,611 |
| Loan loss allowance to noncurrent loans | 291.4743% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 1,981 |
| Noncurrent loans to loans | 0.3120% | 2,336 |
| Net loans and leases to total assets | 73.4000% | 1,490 |
| Net loans and leases to deposits | 87.1011% | 1,488 |
| Net loans and leases to core deposits | 95.1778% | 1,761 |
| Total domestic deposits to total assets | 84.2700% | 2,711 |
| Equity capital to assets | 11.4462% | 1,396 |
| Core capital (leverage) ratio | 11.6099% | 1,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5686% | 1,657 |
| Memoranda: | ||
| Average total assets | $4,046,587,800 | 330 |
| Average earning assets | $3,698,719,600 | 323 |
| Average equity | $456,793,600 | 303 |
| Average total loans | $2,999,425,400 | 318 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2970% | 2,462 |
| Cost of funding earning assets | 1.8239% | 2,651 |
| Net interest margin | 3.4732% | 2,091 |
| Noninterest income to average assets | 1.3400% | 393 |
| Noninterest expense to average assets | 2.5137% | 2,206 |
| Loan and lease loss provision to assets | 0.0900% | 1,382 |
| Net operating income to assets | 1.5488% | 878 |
| Return on assets (ROA) | 1.5479% | 878 |
| Pretax return on assets | 1.9033% | 750 |
| Return on Equity (ROE) | 13.7600% | 1,194 |
| Retained earnings to average equity (ytd only) | 7.3430% | 1,621 |
| Net charge-offs to loans | 0.1234% | 860 |
| Credit loss provision to net charge-offs | 120.5315% | 1,483 |
| Earnings coverage of net charge-offs (x) | 21.8329% | 1,692 |
| Efficiency ratio | 55.0520% | 3,631 |
| Assets per employee ($millions) | 5.8572% | 2,981 |
| Cash dividends to net income (ytd only)* | 46.6460% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 3,641 |
| Loan loss allowance to noncurrent loans | 253.1282% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 1,823 |
| Noncurrent loans to loans | 0.3576% | 2,202 |
| Net loans and leases to total assets | 74.0900% | 1,348 |
| Net loans and leases to deposits | 88.6542% | 1,372 |
| Net loans and leases to core deposits | 97.4406% | 1,663 |
| Total domestic deposits to total assets | 83.5700% | 2,704 |
| Equity capital to assets | 11.8314% | 1,346 |
| Core capital (leverage) ratio | 11.4230% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5498% | 1,684 |
| Memoranda: | ||
| Average total assets | $4,003,848,000 | 325 |
| Average earning assets | $3,656,016,000 | 322 |
| Average equity | $450,305,250 | 305 |
| Average total loans | $2,968,222,250 | 312 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2056% | 2,543 |
| Cost of funding earning assets | 1.8014% | 2,612 |
| Net interest margin | 3.4041% | 2,163 |
| Noninterest income to average assets | 1.3400% | 399 |
| Noninterest expense to average assets | 2.5004% | 2,244 |
| Loan and lease loss provision to assets | 0.0900% | 1,288 |
| Net operating income to assets | 1.5123% | 895 |
| Return on assets (ROA) | 1.5109% | 898 |
| Pretax return on assets | 1.8534% | 788 |
| Return on Equity (ROE) | 13.6700% | 1,223 |
| Retained earnings to average equity (ytd only) | 5.0582% | 2,314 |
| Net charge-offs to loans | 0.1488% | 675 |
| Credit loss provision to net charge-offs | 83.0902% | 1,625 |
| Earnings coverage of net charge-offs (x) | 17.6960% | 1,698 |
| Efficiency ratio | 55.5524% | 3,617 |
| Assets per employee ($millions) | 5.7086% | 3,043 |
| Cash dividends to net income (ytd only)* | 63.0102% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 3,734 |
| Loan loss allowance to noncurrent loans | 239.5943% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3650% | 1,705 |
| Noncurrent loans to loans | 0.3693% | 2,081 |
| Net loans and leases to total assets | 73.7500% | 1,441 |
| Net loans and leases to deposits | 87.2876% | 1,541 |
| Net loans and leases to core deposits | 94.4501% | 1,832 |
| Total domestic deposits to total assets | 84.4900% | 2,465 |
| Equity capital to assets | 11.1997% | 1,475 |
| Core capital (leverage) ratio | 11.2201% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8002% | 1,965 |
| Memoranda: | ||
| Average total assets | $3,989,350,667 | 327 |
| Average earning assets | $3,643,512,667 | 323 |
| Average equity | $440,787,333 | 311 |
| Average total loans | $2,948,913,333 | 314 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1301% | 2,541 |
| Cost of funding earning assets | 1.7850% | 2,548 |
| Net interest margin | 3.3451% | 2,240 |
| Noninterest income to average assets | 1.3500% | 370 |
| Noninterest expense to average assets | 2.4765% | 2,307 |
| Loan and lease loss provision to assets | 0.0900% | 1,130 |
| Net operating income to assets | 1.5035% | 892 |
| Return on assets (ROA) | 1.5012% | 912 |
| Pretax return on assets | 1.8371% | 788 |
| Return on Equity (ROE) | 13.6800% | 1,201 |
| Retained earnings to average equity (ytd only) | -3.7356% | 4,060 |
| Net charge-offs to loans | 0.0384% | 1,152 |
| Credit loss provision to net charge-offs | 320.2847% | 633 |
| Earnings coverage of net charge-offs (x) | 68.2633% | 835 |
| Efficiency ratio | 55.5104% | 3,641 |
| Assets per employee ($millions) | 5.7150% | 3,069 |
| Cash dividends to net income (ytd only)* | 127.3044% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 3,577 |
| Loan loss allowance to noncurrent loans | 190.4517% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 1,658 |
| Noncurrent loans to loans | 0.4914% | 1,691 |
| Net loans and leases to total assets | 73.1400% | 1,441 |
| Net loans and leases to deposits | 86.0886% | 1,522 |
| Net loans and leases to core deposits | 92.4273% | 1,887 |
| Total domestic deposits to total assets | 84.9600% | 2,419 |
| Equity capital to assets | 10.8793% | 1,546 |
| Core capital (leverage) ratio | 10.8795% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2079% | 2,173 |
| Memoranda: | ||
| Average total assets | $3,974,612,000 | 330 |
| Average earning assets | $3,630,934,500 | 328 |
| Average equity | $436,133,500 | 314 |
| Average total loans | $2,928,196,500 | 318 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 2,777 |
| Cost of funding earning assets | 1.3504% | 2,357 |
| Net interest margin | 3.3031% | 2,627 |
| Noninterest income to average assets | 1.2800% | 464 |
| Noninterest expense to average assets | 2.3994% | 2,597 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.5049% | 1,007 |
| Return on assets (ROA) | 1.5034% | 981 |
| Pretax return on assets | 1.8322% | 852 |
| Return on Equity (ROE) | 14.4100% | 1,399 |
| Retained earnings to average equity (ytd only) | 9.0166% | 1,250 |
| Net charge-offs to loans | 0.0311% | 1,676 |
| Credit loss provision to net charge-offs | 290.6499% | 978 |
| Earnings coverage of net charge-offs (x) | 84.6340% | 987 |
| Efficiency ratio | 54.9995% | 3,600 |
| Assets per employee ($millions) | 5.7227% | 3,051 |
| Cash dividends to net income (ytd only)* | 37.4100% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 3,659 |
| Loan loss allowance to noncurrent loans | 378.1646% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 2,328 |
| Noncurrent loans to loans | 0.2426% | 2,332 |
| Net loans and leases to total assets | 72.8400% | 1,488 |
| Net loans and leases to deposits | 85.4935% | 1,653 |
| Net loans and leases to core deposits | 91.8644% | 1,912 |
| Total domestic deposits to total assets | 85.2000% | 2,250 |
| Equity capital to assets | 11.0666% | 1,442 |
| Core capital (leverage) ratio | 11.2759% | 1,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3834% | 2,106 |
| Memoranda: | ||
| Average total assets | $3,908,197,400 | 323 |
| Average earning assets | $3,567,905,600 | 320 |
| Average equity | $407,867,800 | 312 |
| Average total loans | $2,821,998,000 | 314 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 2,779 |
| Cost of funding earning assets | 1.2747% | 2,211 |
| Net interest margin | 3.2838% | 2,724 |
| Noninterest income to average assets | 1.2900% | 464 |
| Noninterest expense to average assets | 2.4234% | 2,452 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.4749% | 1,177 |
| Return on assets (ROA) | 1.4729% | 1,164 |
| Pretax return on assets | 1.8150% | 993 |
| Return on Equity (ROE) | 14.3300% | 1,572 |
| Retained earnings to average equity (ytd only) | 7.0040% | 2,286 |
| Net charge-offs to loans | 0.0350% | 1,390 |
| Credit loss provision to net charge-offs | 199.8638% | 1,132 |
| Earnings coverage of net charge-offs (x) | 74.2561% | 1,087 |
| Efficiency ratio | 55.6363% | 3,429 |
| Assets per employee ($millions) | 5.7388% | 2,977 |
| Cash dividends to net income (ytd only)* | 51.1388% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 3,707 |
| Loan loss allowance to noncurrent loans | 383.6396% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,397 |
| Noncurrent loans to loans | 0.2365% | 2,405 |
| Net loans and leases to total assets | 72.4600% | 1,519 |
| Net loans and leases to deposits | 83.3173% | 1,803 |
| Net loans and leases to core deposits | 89.6656% | 1,954 |
| Total domestic deposits to total assets | 86.9700% | 1,905 |
| Equity capital to assets | 10.3295% | 1,628 |
| Core capital (leverage) ratio | 10.8569% | 2,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0907% | 2,236 |
| Memoranda: | ||
| Average total assets | $3,890,930,500 | 328 |
| Average earning assets | $3,551,685,750 | 325 |
| Average equity | $399,798,000 | 318 |
| Average total loans | $2,796,537,250 | 319 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 2,776 |
| Cost of funding earning assets | 1.1853% | 2,035 |
| Net interest margin | 3.2634% | 2,837 |
| Noninterest income to average assets | 1.2800% | 406 |
| Noninterest expense to average assets | 2.4107% | 2,447 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.4616% | 1,189 |
| Return on assets (ROA) | 1.4586% | 1,181 |
| Pretax return on assets | 1.7944% | 1,022 |
| Return on Equity (ROE) | 14.2200% | 1,639 |
| Retained earnings to average equity (ytd only) | 4.6948% | 3,028 |
| Net charge-offs to loans | 0.0336% | 1,225 |
| Credit loss provision to net charge-offs | 193.7768% | 1,064 |
| Earnings coverage of net charge-offs (x) | 76.9270% | 1,073 |
| Efficiency ratio | 55.7889% | 3,446 |
| Assets per employee ($millions) | 5.5293% | 3,122 |
| Cash dividends to net income (ytd only)* | 66.9865% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 3,760 |
| Loan loss allowance to noncurrent loans | 478.1764% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 2,554 |
| Noncurrent loans to loans | 0.1898% | 2,518 |
| Net loans and leases to total assets | 71.6900% | 1,567 |
| Net loans and leases to deposits | 81.2177% | 1,893 |
| Net loans and leases to core deposits | 86.9533% | 2,003 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 10.4012% | 1,634 |
| Core capital (leverage) ratio | 10.5312% | 2,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8344% | 2,358 |
| Memoranda: | ||
| Average total assets | $3,887,121,667 | 315 |
| Average earning assets | $3,546,752,333 | 313 |
| Average equity | $398,699,000 | 308 |
| Average total loans | $2,777,479,333 | 308 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3151% | 2,764 |
| Cost of funding earning assets | 1.0660% | 1,844 |
| Net interest margin | 3.2492% | 2,995 |
| Noninterest income to average assets | 1.2800% | 404 |
| Noninterest expense to average assets | 2.3897% | 2,562 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.4742% | 1,231 |
| Return on assets (ROA) | 1.4742% | 1,213 |
| Pretax return on assets | 1.8101% | 1,051 |
| Return on Equity (ROE) | 14.4800% | 1,666 |
| Retained earnings to average equity (ytd only) | -2.0166% | 4,207 |
| Net charge-offs to loans | 0.0209% | 1,257 |
| Credit loss provision to net charge-offs | 305.5556% | 682 |
| Earnings coverage of net charge-offs (x) | 125.0347% | 689 |
| Efficiency ratio | 55.4363% | 3,465 |
| Assets per employee ($millions) | 5.6561% | 3,064 |
| Cash dividends to net income (ytd only)* | 113.9312% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 3,805 |
| Loan loss allowance to noncurrent loans | 375.7160% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,265 |
| Noncurrent loans to loans | 0.2444% | 2,274 |
| Net loans and leases to total assets | 70.4800% | 1,575 |
| Net loans and leases to deposits | 78.8841% | 1,901 |
| Net loans and leases to core deposits | 83.6503% | 2,012 |
| Total domestic deposits to total assets | 89.3400% | 1,406 |
| Equity capital to assets | 10.1953% | 1,724 |
| Core capital (leverage) ratio | 10.2056% | 2,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6988% | 2,498 |
| Memoranda: | ||
| Average total assets | $3,881,601,000 | 329 |
| Average earning assets | $3,538,617,500 | 326 |
| Average equity | $395,320,000 | 318 |
| Average total loans | $2,756,092,500 | 317 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 2,612 |
| Cost of funding earning assets | 0.2513% | 2,692 |
| Net interest margin | 3.2502% | 2,458 |
| Noninterest income to average assets | 1.3200% | 422 |
| Noninterest expense to average assets | 2.3389% | 2,516 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5468% | 748 |
| Return on assets (ROA) | 1.5466% | 734 |
| Pretax return on assets | 1.9196% | 556 |
| Return on Equity (ROE) | 15.6900% | 1,041 |
| Retained earnings to average equity (ytd only) | 10.5131% | 1,192 |
| Net charge-offs to loans | -0.0025% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.6697% | 3,845 |
| Assets per employee ($millions) | 5.4031% | 3,326 |
| Cash dividends to net income (ytd only)* | 33.0082% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0231% | 3,372 |
| Loan loss allowance to noncurrent loans | 727.4100% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 2,933 |
| Noncurrent loans to loans | 0.1407% | 2,924 |
| Net loans and leases to total assets | 70.6600% | 1,424 |
| Net loans and leases to deposits | 78.7887% | 1,656 |
| Net loans and leases to core deposits | 80.7133% | 1,854 |
| Total domestic deposits to total assets | 89.6800% | 1,793 |
| Equity capital to assets | 9.8122% | 1,722 |
| Core capital (leverage) ratio | 9.9492% | 2,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0696% | 2,449 |
| Memoranda: | ||
| Average total assets | $3,827,164,250 | 324 |
| Average earning assets | $3,503,577,000 | 319 |
| Average equity | $377,184,000 | 328 |
| Average total loans | $2,616,738,000 | 304 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3400% | 2,609 |
| Cost of funding earning assets | 0.1891% | 3,062 |
| Net interest margin | 3.1508% | 2,361 |
| Noninterest income to average assets | 1.3127% | 417 |
| Noninterest expense to average assets | 2.3097% | 2,520 |
| Loan and lease loss provision to assets | 0.0328% | 1,998 |
| Net operating income to assets | 1.4978% | 716 |
| Return on assets (ROA) | 1.4975% | 694 |
| Pretax return on assets | 1.8576% | 517 |
| Return on Equity (ROE) | 15.1729% | 857 |
| Retained earnings to average equity (ytd only) | 7.8523% | 1,673 |
| Net charge-offs to loans | -0.0153% | 3,768 |
| Credit loss provision to net charge-offs | -317.5879% | 3,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1580% | 3,951 |
| Assets per employee ($millions) | 5.3875% | 3,347 |
| Cash dividends to net income (ytd only)* | 48.2479% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,395 |
| Loan loss allowance to noncurrent loans | 733.8619% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 2,826 |
| Noncurrent loans to loans | 0.1427% | 2,988 |
| Net loans and leases to total assets | 67.3581% | 1,539 |
| Net loans and leases to deposits | 75.1129% | 1,753 |
| Net loans and leases to core deposits | 76.7340% | 1,952 |
| Total domestic deposits to total assets | 89.6759% | 1,857 |
| Equity capital to assets | 9.5403% | 1,985 |
| Core capital (leverage) ratio | 9.0953% | 3,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5160% | 2,669 |
| Memoranda: | ||
| Average total assets | $3,849,358,000 | 321 |
| Average earning assets | $3,527,892,000 | 318 |
| Average equity | $379,913,667 | 325 |
| Average total loans | $2,594,129,667 | 302 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2643% | 2,491 |
| Cost of funding earning assets | 0.1729% | 3,186 |
| Net interest margin | 3.0915% | 2,202 |
| Noninterest income to average assets | 1.3446% | 409 |
| Noninterest expense to average assets | 2.2819% | 2,569 |
| Loan and lease loss provision to assets | 0.0336% | 1,756 |
| Net operating income to assets | 1.5018% | 636 |
| Return on assets (ROA) | 1.5018% | 625 |
| Pretax return on assets | 1.8653% | 475 |
| Return on Equity (ROE) | 14.9689% | 657 |
| Retained earnings to average equity (ytd only) | 0.6013% | 3,901 |
| Net charge-offs to loans | -0.0606% | 4,326 |
| Credit loss provision to net charge-offs | -82.6531% | 2,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8196% | 4,065 |
| Assets per employee ($millions) | 5.5239% | 3,301 |
| Cash dividends to net income (ytd only)* | 95.9829% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,495 |
| Loan loss allowance to noncurrent loans | 506.0860% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 2,767 |
| Noncurrent loans to loans | 0.2093% | 2,774 |
| Net loans and leases to total assets | 65.3022% | 1,484 |
| Net loans and leases to deposits | 72.8818% | 1,713 |
| Net loans and leases to core deposits | 74.4434% | 1,905 |
| Total domestic deposits to total assets | 89.6001% | 1,768 |
| Equity capital to assets | 9.5511% | 2,243 |
| Core capital (leverage) ratio | 8.6806% | 3,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2227% | 2,844 |
| Memoranda: | ||
| Average total assets | $3,858,782,500 | 326 |
| Average earning assets | $3,540,082,500 | 320 |
| Average equity | $387,149,500 | 328 |
| Average total loans | $2,587,461,500 | 302 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 2,367 |
| Cost of funding earning assets | 0.2238% | 3,211 |
| Net interest margin | 3.3851% | 2,077 |
| Noninterest income to average assets | 1.3856% | 569 |
| Noninterest expense to average assets | 2.5044% | 2,166 |
| Loan and lease loss provision to assets | 0.1053% | 1,199 |
| Net operating income to assets | 1.5305% | 955 |
| Return on assets (ROA) | 1.5421% | 973 |
| Pretax return on assets | 1.8873% | 742 |
| Return on Equity (ROE) | 14.5486% | 1,056 |
| Retained earnings to average equity (ytd only) | 10.1586% | 879 |
| Net charge-offs to loans | 0.0388% | 1,480 |
| Credit loss provision to net charge-offs | 392.6501% | 918 |
| Earnings coverage of net charge-offs (x) | 73.7671% | 1,045 |
| Efficiency ratio | 54.8578% | 3,837 |
| Assets per employee ($millions) | 5.3474% | 3,418 |
| Cash dividends to net income (ytd only)* | 30.1748% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,678 |
| Loan loss allowance to noncurrent loans | 377.5274% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 2,385 |
| Noncurrent loans to loans | 0.2689% | 2,639 |
| Net loans and leases to total assets | 67.4313% | 1,326 |
| Net loans and leases to deposits | 76.1586% | 1,550 |
| Net loans and leases to core deposits | 78.4396% | 1,728 |
| Total domestic deposits to total assets | 88.5406% | 1,769 |
| Equity capital to assets | 10.5224% | 2,160 |
| Core capital (leverage) ratio | 8.8927% | 3,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8063% | 2,927 |
| Memoranda: | ||
| Average total assets | $3,601,790,600 | 325 |
| Average earning assets | $3,295,538,800 | 324 |
| Average equity | $381,775,800 | 331 |
| Average total loans | $2,489,730,800 | 306 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 2,363 |
| Cost of funding earning assets | 0.2367% | 3,251 |
| Net interest margin | 3.4288% | 2,076 |
| Noninterest income to average assets | 1.3995% | 613 |
| Noninterest expense to average assets | 2.5421% | 1,994 |
| Loan and lease loss provision to assets | 0.1010% | 1,189 |
| Net operating income to assets | 1.5281% | 1,200 |
| Return on assets (ROA) | 1.5437% | 1,208 |
| Pretax return on assets | 1.9105% | 929 |
| Return on Equity (ROE) | 14.5349% | 1,247 |
| Retained earnings to average equity (ytd only) | 9.0232% | 1,679 |
| Net charge-offs to loans | 0.0005% | 2,439 |
| Credit loss provision to net charge-offs | 29,844.4444% | 23 |
| Earnings coverage of net charge-offs (x) | 5,885.7778% | 20 |
| Efficiency ratio | 55.0766% | 3,648 |
| Assets per employee ($millions) | 5.2074% | 3,494 |
| Cash dividends to net income (ytd only)* | 37.9203% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0507% | 3,659 |
| Loan loss allowance to noncurrent loans | 375.1746% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 2,374 |
| Noncurrent loans to loans | 0.2801% | 2,796 |
| Net loans and leases to total assets | 67.9169% | 1,332 |
| Net loans and leases to deposits | 77.0812% | 1,566 |
| Net loans and leases to core deposits | 79.7306% | 1,763 |
| Total domestic deposits to total assets | 88.1109% | 1,769 |
| Equity capital to assets | 10.7378% | 2,228 |
| Core capital (leverage) ratio | 8.7471% | 3,807 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1402% | 2,937 |
| Memoranda: | ||
| Average total assets | $3,545,059,000 | 331 |
| Average earning assets | $3,241,107,000 | 330 |
| Average equity | $376,501,750 | 336 |
| Average total loans | $2,460,106,500 | 309 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 2,473 |
| Cost of funding earning assets | 0.2585% | 3,202 |
| Net interest margin | 3.3909% | 2,168 |
| Noninterest income to average assets | 1.4297% | 595 |
| Noninterest expense to average assets | 2.5952% | 1,869 |
| Loan and lease loss provision to assets | 0.0828% | 1,475 |
| Net operating income to assets | 1.5040% | 1,275 |
| Return on assets (ROA) | 1.5261% | 1,293 |
| Pretax return on assets | 1.8734% | 1,067 |
| Return on Equity (ROE) | 14.4248% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.0423% | 2,785 |
| Net charge-offs to loans | 0.0020% | 2,132 |
| Credit loss provision to net charge-offs | 5,812.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 1,354.0400% | 88 |
| Efficiency ratio | 56.4273% | 3,488 |
| Assets per employee ($millions) | 4.9474% | 3,701 |
| Cash dividends to net income (ytd only)* | 58.1115% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 3,808 |
| Loan loss allowance to noncurrent loans | 263.7741% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 2,379 |
| Noncurrent loans to loans | 0.3803% | 2,534 |
| Net loans and leases to total assets | 69.1825% | 1,302 |
| Net loans and leases to deposits | 78.4511% | 1,576 |
| Net loans and leases to core deposits | 81.1357% | 1,783 |
| Total domestic deposits to total assets | 88.1854% | 1,730 |
| Equity capital to assets | 10.5785% | 2,329 |
| Core capital (leverage) ratio | 8.4389% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6797% | 3,014 |
| Memoranda: | ||
| Average total assets | $3,509,952,667 | 331 |
| Average earning assets | $3,202,960,333 | 332 |
| Average equity | $371,346,000 | 336 |
| Average total loans | $2,444,958,333 | 310 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6774% | 2,418 |
| Cost of funding earning assets | 0.2821% | 3,176 |
| Net interest margin | 3.3953% | 2,125 |
| Noninterest income to average assets | 1.4229% | 659 |
| Noninterest expense to average assets | 2.6136% | 1,853 |
| Loan and lease loss provision to assets | 0.0716% | 1,731 |
| Net operating income to assets | 1.5217% | 1,282 |
| Return on assets (ROA) | 1.5374% | 1,310 |
| Pretax return on assets | 1.8476% | 1,202 |
| Return on Equity (ROE) | 14.5309% | 1,320 |
| Retained earnings to average equity (ytd only) | -2.3946% | 4,567 |
| Net charge-offs to loans | -0.0174% | 3,925 |
| Credit loss provision to net charge-offs | -592.3810% | 3,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1654% | 3,407 |
| Assets per employee ($millions) | 5.0016% | 3,653 |
| Cash dividends to net income (ytd only)* | 116.4796% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 3,867 |
| Loan loss allowance to noncurrent loans | 324.0197% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 2,823 |
| Noncurrent loans to loans | 0.3064% | 2,998 |
| Net loans and leases to total assets | 68.3627% | 1,483 |
| Net loans and leases to deposits | 77.8613% | 1,733 |
| Net loans and leases to core deposits | 80.5722% | 1,950 |
| Total domestic deposits to total assets | 87.8005% | 1,939 |
| Equity capital to assets | 10.2242% | 2,502 |
| Core capital (leverage) ratio | 8.3578% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4132% | 3,021 |
| Memoranda: | ||
| Average total assets | $3,476,446,000 | 333 |
| Average earning assets | $3,164,703,000 | 333 |
| Average equity | $367,824,000 | 339 |
| Average total loans | $2,417,582,500 | 312 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 2,117 |
| Cost of funding earning assets | 0.5451% | 2,637 |
| Net interest margin | 3.6612% | 1,934 |
| Noninterest income to average assets | 1.5025% | 538 |
| Noninterest expense to average assets | 2.8446% | 1,830 |
| Loan and lease loss provision to assets | 0.1875% | 2,079 |
| Net operating income to assets | 1.4539% | 913 |
| Return on assets (ROA) | 1.4771% | 933 |
| Pretax return on assets | 1.8067% | 677 |
| Return on Equity (ROE) | 12.8332% | 1,082 |
| Retained earnings to average equity (ytd only) | 9.6352% | 653 |
| Net charge-offs to loans | 0.0517% | 2,052 |
| Credit loss provision to net charge-offs | 494.6619% | 1,264 |
| Earnings coverage of net charge-offs (x) | 51.8621% | 1,166 |
| Efficiency ratio | 57.8517% | 3,744 |
| Assets per employee ($millions) | 4.7112% | 3,707 |
| Cash dividends to net income (ytd only)* | 24.9195% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,888 |
| Loan loss allowance to noncurrent loans | 306.7315% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 2,802 |
| Noncurrent loans to loans | 0.3240% | 3,042 |
| Net loans and leases to total assets | 69.3624% | 1,638 |
| Net loans and leases to deposits | 80.3211% | 1,828 |
| Net loans and leases to core deposits | 83.7249% | 2,063 |
| Total domestic deposits to total assets | 86.3564% | 2,205 |
| Equity capital to assets | 10.9535% | 2,293 |
| Core capital (leverage) ratio | 8.8733% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6350% | 3,001 |
| Memoranda: | ||
| Average total assets | $2,965,309,600 | 342 |
| Average earning assets | $2,679,177,600 | 346 |
| Average equity | $341,311,200 | 339 |
| Average total loans | $2,174,560,800 | 330 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 2,065 |
| Cost of funding earning assets | 0.6113% | 2,541 |
| Net interest margin | 3.6991% | 1,945 |
| Noninterest income to average assets | 1.5253% | 500 |
| Noninterest expense to average assets | 2.8741% | 1,762 |
| Loan and lease loss provision to assets | 0.1411% | 2,607 |
| Net operating income to assets | 1.4988% | 909 |
| Return on assets (ROA) | 1.5105% | 964 |
| Pretax return on assets | 1.8645% | 685 |
| Return on Equity (ROE) | 12.9376% | 1,130 |
| Retained earnings to average equity (ytd only) | 8.5755% | 1,116 |
| Net charge-offs to loans | 0.0574% | 1,790 |
| Credit loss provision to net charge-offs | 330.7440% | 1,666 |
| Earnings coverage of net charge-offs (x) | 46.6838% | 1,244 |
| Efficiency ratio | 57.8771% | 3,682 |
| Assets per employee ($millions) | 4.6392% | 3,671 |
| Cash dividends to net income (ytd only)* | 33.7164% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 3,976 |
| Loan loss allowance to noncurrent loans | 404.9763% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2471% | 3,200 |
| Noncurrent loans to loans | 0.2298% | 3,482 |
| Net loans and leases to total assets | 70.2869% | 1,907 |
| Net loans and leases to deposits | 81.5449% | 2,144 |
| Net loans and leases to core deposits | 85.6669% | 2,328 |
| Total domestic deposits to total assets | 86.1941% | 1,987 |
| Equity capital to assets | 10.8646% | 2,508 |
| Core capital (leverage) ratio | 8.8209% | 3,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5474% | 3,019 |
| Memoranda: | ||
| Average total assets | $2,857,445,750 | 348 |
| Average earning assets | $2,579,839,250 | 352 |
| Average equity | $333,623,250 | 342 |
| Average total loans | $2,123,269,500 | 332 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4555% | 2,057 |
| Cost of funding earning assets | 0.6981% | 2,392 |
| Net interest margin | 3.7574% | 1,962 |
| Noninterest income to average assets | 1.5088% | 459 |
| Noninterest expense to average assets | 2.9095% | 1,802 |
| Loan and lease loss provision to assets | 0.0909% | 3,131 |
| Net operating income to assets | 1.5428% | 857 |
| Return on assets (ROA) | 1.5613% | 895 |
| Pretax return on assets | 1.9226% | 651 |
| Return on Equity (ROE) | 13.0164% | 1,092 |
| Retained earnings to average equity (ytd only) | 6.3587% | 1,918 |
| Net charge-offs to loans | 0.0541% | 1,716 |
| Credit loss provision to net charge-offs | 222.3614% | 1,834 |
| Earnings coverage of net charge-offs (x) | 48.6726% | 1,118 |
| Efficiency ratio | 58.0417% | 3,678 |
| Assets per employee ($millions) | 4.2024% | 4,104 |
| Cash dividends to net income (ytd only)* | 51.1481% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 3,891 |
| Loan loss allowance to noncurrent loans | 306.2962% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 2,939 |
| Noncurrent loans to loans | 0.3027% | 3,301 |
| Net loans and leases to total assets | 73.2074% | 1,526 |
| Net loans and leases to deposits | 86.1533% | 1,748 |
| Net loans and leases to core deposits | 91.1206% | 1,978 |
| Total domestic deposits to total assets | 84.9734% | 2,410 |
| Equity capital to assets | 11.6221% | 1,894 |
| Core capital (leverage) ratio | 10.1128% | 2,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0235% | 2,599 |
| Memoranda: | ||
| Average total assets | $2,733,623,000 | 357 |
| Average earning assets | $2,467,327,333 | 357 |
| Average equity | $327,894,667 | 342 |
| Average total loans | $2,067,417,667 | 334 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 1,738 |
| Cost of funding earning assets | 0.8296% | 2,225 |
| Net interest margin | 3.8612% | 1,794 |
| Noninterest income to average assets | 1.5438% | 374 |
| Noninterest expense to average assets | 2.9680% | 1,960 |
| Loan and lease loss provision to assets | 0.0974% | 2,465 |
| Net operating income to assets | 1.5966% | 630 |
| Return on assets (ROA) | 1.6036% | 686 |
| Pretax return on assets | 1.9608% | 496 |
| Return on Equity (ROE) | 13.1453% | 854 |
| Retained earnings to average equity (ytd only) | -0.3677% | 4,048 |
| Net charge-offs to loans | 0.0292% | 1,797 |
| Credit loss provision to net charge-offs | 435.8108% | 953 |
| Earnings coverage of net charge-offs (x) | 91.6959% | 617 |
| Efficiency ratio | 57.8063% | 4,030 |
| Assets per employee ($millions) | 3.9914% | 3,929 |
| Cash dividends to net income (ytd only)* | 102.7971% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,863 |
| Loan loss allowance to noncurrent loans | 287.3597% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 2,833 |
| Noncurrent loans to loans | 0.3364% | 3,289 |
| Net loans and leases to total assets | 75.5108% | 1,385 |
| Net loans and leases to deposits | 90.2888% | 1,474 |
| Net loans and leases to core deposits | 98.1811% | 1,610 |
| Total domestic deposits to total assets | 83.6325% | 2,910 |
| Equity capital to assets | 12.1264% | 1,977 |
| Core capital (leverage) ratio | 10.5200% | 2,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7523% | 2,828 |
| Memoranda: | ||
| Average total assets | $2,648,495,500 | 352 |
| Average earning assets | $2,382,801,000 | 356 |
| Average equity | $323,095,500 | 343 |
| Average total loans | $2,028,251,000 | 328 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8373% | 1,932 |
| Cost of funding earning assets | 0.9377% | 2,024 |
| Net interest margin | 3.8996% | 2,174 |
| Noninterest income to average assets | 1.4842% | 417 |
| Noninterest expense to average assets | 2.9858% | 2,053 |
| Loan and lease loss provision to assets | 0.0814% | 2,378 |
| Net operating income to assets | 1.5601% | 918 |
| Return on assets (ROA) | 1.5614% | 974 |
| Pretax return on assets | 1.9077% | 736 |
| Return on Equity (ROE) | 13.1890% | 1,120 |
| Retained earnings to average equity (ytd only) | 8.5148% | 832 |
| Net charge-offs to loans | 0.0851% | 1,901 |
| Credit loss provision to net charge-offs | 122.9489% | 2,068 |
| Earnings coverage of net charge-offs (x) | 30.0155% | 1,585 |
| Efficiency ratio | 58.6004% | 3,898 |
| Assets per employee ($millions) | 4.0288% | 3,867 |
| Cash dividends to net income (ytd only)* | 35.4402% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 3,734 |
| Loan loss allowance to noncurrent loans | 205.9492% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 2,756 |
| Noncurrent loans to loans | 0.4624% | 2,791 |
| Net loans and leases to total assets | 76.1887% | 1,378 |
| Net loans and leases to deposits | 91.0628% | 1,477 |
| Net loans and leases to core deposits | 101.7866% | 1,424 |
| Total domestic deposits to total assets | 83.6661% | 2,967 |
| Equity capital to assets | 12.2734% | 1,966 |
| Core capital (leverage) ratio | 10.5769% | 2,878 |
| Tier 1 risk-based capital ratio | 11.6987% | 4,526 |
| Total risk-based capital ratio | 12.5288% | 4,632 |
| Memoranda: | ||
| Average total assets | $2,540,237,800 | 352 |
| Average earning assets | $2,272,770,200 | 353 |
| Average equity | $300,736,600 | 343 |
| Average total loans | $1,977,555,800 | 327 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8504% | 1,969 |
| Cost of funding earning assets | 0.9452% | 2,009 |
| Net interest margin | 3.9053% | 2,232 |
| Noninterest income to average assets | 1.4846% | 409 |
| Noninterest expense to average assets | 2.9953% | 1,992 |
| Loan and lease loss provision to assets | 0.0750% | 2,390 |
| Net operating income to assets | 1.5591% | 1,034 |
| Return on assets (ROA) | 1.5609% | 1,081 |
| Pretax return on assets | 1.9054% | 855 |
| Return on Equity (ROE) | 13.3116% | 1,173 |
| Retained earnings to average equity (ytd only) | 6.9678% | 1,875 |
| Net charge-offs to loans | 0.0621% | 1,934 |
| Credit loss provision to net charge-offs | 154.5256% | 1,594 |
| Earnings coverage of net charge-offs (x) | 40.7665% | 1,363 |
| Efficiency ratio | 58.7683% | 3,830 |
| Assets per employee ($millions) | 3.8645% | 4,077 |
| Cash dividends to net income (ytd only)* | 47.6557% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9647% | 3,762 |
| Loan loss allowance to noncurrent loans | 274.2975% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,145 |
| Noncurrent loans to loans | 0.3517% | 3,280 |
| Net loans and leases to total assets | 77.3200% | 1,262 |
| Net loans and leases to deposits | 93.4602% | 1,275 |
| Net loans and leases to core deposits | 105.7421% | 1,201 |
| Total domestic deposits to total assets | 82.7304% | 3,241 |
| Equity capital to assets | 12.1496% | 2,150 |
| Core capital (leverage) ratio | 10.3922% | 3,211 |
| Tier 1 risk-based capital ratio | 11.6378% | 4,597 |
| Total risk-based capital ratio | 12.5024% | 4,691 |
| Memoranda: | ||
| Average total assets | $2,519,605,250 | 357 |
| Average earning assets | $2,250,962,000 | 358 |
| Average equity | $295,445,000 | 351 |
| Average total loans | $1,967,578,250 | 331 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8182% | 2,005 |
| Cost of funding earning assets | 0.9375% | 1,976 |
| Net interest margin | 3.8807% | 2,300 |
| Noninterest income to average assets | 1.3806% | 457 |
| Noninterest expense to average assets | 2.9276% | 2,202 |
| Loan and lease loss provision to assets | 0.0783% | 2,250 |
| Net operating income to assets | 1.4987% | 1,156 |
| Return on assets (ROA) | 1.4990% | 1,207 |
| Pretax return on assets | 1.8398% | 953 |
| Return on Equity (ROE) | 12.9432% | 1,264 |
| Retained earnings to average equity (ytd only) | 3.3530% | 3,556 |
| Net charge-offs to loans | 0.0511% | 1,915 |
| Credit loss provision to net charge-offs | 196.0000% | 1,236 |
| Earnings coverage of net charge-offs (x) | 48.0200% | 1,123 |
| Efficiency ratio | 58.9137% | 3,878 |
| Assets per employee ($millions) | 3.8540% | 4,055 |
| Cash dividends to net income (ytd only)* | 74.0942% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,767 |
| Loan loss allowance to noncurrent loans | 326.5178% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 3,330 |
| Noncurrent loans to loans | 0.2982% | 3,471 |
| Net loans and leases to total assets | 77.6766% | 1,281 |
| Net loans and leases to deposits | 92.2284% | 1,469 |
| Net loans and leases to core deposits | 101.9873% | 1,554 |
| Total domestic deposits to total assets | 84.2220% | 2,773 |
| Equity capital to assets | 11.7708% | 2,366 |
| Core capital (leverage) ratio | 10.0793% | 3,514 |
| Tier 1 risk-based capital ratio | 11.0866% | 4,873 |
| Total risk-based capital ratio | 11.9454% | 4,952 |
| Memoranda: | ||
| Average total assets | $2,504,126,670 | 362 |
| Average earning assets | $2,235,627,330 | 358 |
| Average equity | $290,005,000 | 354 |
| Average total loans | $1,955,641,000 | 335 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 1,996 |
| Cost of funding earning assets | 0.9212% | 1,915 |
| Net interest margin | 3.8477% | 2,352 |
| Noninterest income to average assets | 1.3560% | 464 |
| Noninterest expense to average assets | 2.8965% | 2,289 |
| Loan and lease loss provision to assets | 0.0708% | 2,242 |
| Net operating income to assets | 1.4898% | 1,136 |
| Return on assets (ROA) | 1.4897% | 1,161 |
| Pretax return on assets | 1.8189% | 944 |
| Return on Equity (ROE) | 12.9708% | 1,226 |
| Retained earnings to average equity (ytd only) | -6.4638% | 4,993 |
| Net charge-offs to loans | 0.0437% | 1,649 |
| Credit loss provision to net charge-offs | 208.0189% | 1,027 |
| Earnings coverage of net charge-offs (x) | 55.5377% | 960 |
| Efficiency ratio | 58.9738% | 3,955 |
| Assets per employee ($millions) | 3.8516% | 4,117 |
| Cash dividends to net income (ytd only)* | 149.8330% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,863 |
| Loan loss allowance to noncurrent loans | 279.9060% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 3,286 |
| Noncurrent loans to loans | 0.3472% | 3,332 |
| Net loans and leases to total assets | 77.0807% | 1,307 |
| Net loans and leases to deposits | 90.7874% | 1,531 |
| Net loans and leases to core deposits | 99.6994% | 1,650 |
| Total domestic deposits to total assets | 84.9024% | 2,717 |
| Equity capital to assets | 11.3738% | 2,506 |
| Core capital (leverage) ratio | 9.7794% | 3,830 |
| Tier 1 risk-based capital ratio | 10.7275% | 5,097 |
| Total risk-based capital ratio | 11.5818% | 5,146 |
| Memoranda: | ||
| Average total assets | $2,492,078,000 | 364 |
| Average earning assets | $2,221,782,500 | 364 |
| Average equity | $286,211,500 | 358 |
| Average total loans | $1,941,888,500 | 340 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 2,088 |
| Cost of funding earning assets | 0.7428% | 1,835 |
| Net interest margin | 3.8757% | 2,411 |
| Noninterest income to average assets | 1.4268% | 444 |
| Noninterest expense to average assets | 2.9807% | 2,095 |
| Loan and lease loss provision to assets | 0.1325% | 1,646 |
| Net operating income to assets | 1.4870% | 1,156 |
| Return on assets (ROA) | 1.4915% | 1,132 |
| Pretax return on assets | 1.7576% | 1,032 |
| Return on Equity (ROE) | 13.2045% | 1,268 |
| Retained earnings to average equity (ytd only) | 7.6315% | 1,403 |
| Net charge-offs to loans | 0.0922% | 1,849 |
| Credit loss provision to net charge-offs | 183.6711% | 1,541 |
| Earnings coverage of net charge-offs (x) | 26.1343% | 1,737 |
| Efficiency ratio | 59.6823% | 3,914 |
| Assets per employee ($millions) | 3.7985% | 4,176 |
| Cash dividends to net income (ytd only)* | 42.2052% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9790% | 3,817 |
| Loan loss allowance to noncurrent loans | 236.7283% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 3,013 |
| Noncurrent loans to loans | 0.4135% | 3,051 |
| Net loans and leases to total assets | 77.2459% | 1,399 |
| Net loans and leases to deposits | 91.1231% | 1,652 |
| Net loans and leases to core deposits | 102.0801% | 1,571 |
| Total domestic deposits to total assets | 84.7709% | 2,739 |
| Equity capital to assets | 11.5983% | 2,178 |
| Core capital (leverage) ratio | 10.0711% | 3,496 |
| Tier 1 risk-based capital ratio | 10.6875% | 5,115 |
| Total risk-based capital ratio | 11.5236% | 5,167 |
| Memoranda: | ||
| Average total assets | $2,394,668,600 | 368 |
| Average earning assets | $2,124,634,800 | 371 |
| Average equity | $270,484,200 | 367 |
| Average total loans | $1,872,138,200 | 343 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5616% | 2,100 |
| Cost of funding earning assets | 0.7043% | 1,821 |
| Net interest margin | 3.8573% | 2,448 |
| Noninterest income to average assets | 1.4423% | 454 |
| Noninterest expense to average assets | 2.9720% | 2,102 |
| Loan and lease loss provision to assets | 0.1055% | 1,904 |
| Net operating income to assets | 1.4747% | 1,258 |
| Return on assets (ROA) | 1.4759% | 1,256 |
| Pretax return on assets | 1.7875% | 1,039 |
| Return on Equity (ROE) | 13.1578% | 1,368 |
| Retained earnings to average equity (ytd only) | 5.6198% | 2,872 |
| Net charge-offs to loans | 0.0598% | 1,969 |
| Credit loss provision to net charge-offs | 225.4197% | 1,269 |
| Earnings coverage of net charge-offs (x) | 40.4329% | 1,347 |
| Efficiency ratio | 59.5108% | 3,881 |
| Assets per employee ($millions) | 3.7717% | 4,214 |
| Cash dividends to net income (ytd only)* | 57.2894% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 3,953 |
| Loan loss allowance to noncurrent loans | 219.2244% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4284% | 2,974 |
| Noncurrent loans to loans | 0.4415% | 3,073 |
| Net loans and leases to total assets | 78.4815% | 1,264 |
| Net loans and leases to deposits | 93.8946% | 1,390 |
| Net loans and leases to core deposits | 103.5369% | 1,488 |
| Total domestic deposits to total assets | 83.5847% | 3,092 |
| Equity capital to assets | 11.4452% | 2,305 |
| Core capital (leverage) ratio | 9.7069% | 3,937 |
| Tier 1 risk-based capital ratio | 10.7474% | 5,153 |
| Total risk-based capital ratio | 11.6054% | 5,199 |
| Memoranda: | ||
| Average total assets | $2,377,029,750 | 369 |
| Average earning assets | $2,108,254,000 | 371 |
| Average equity | $266,624,000 | 368 |
| Average total loans | $1,859,395,000 | 346 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4802% | 2,161 |
| Cost of funding earning assets | 0.6608% | 1,867 |
| Net interest margin | 3.8194% | 2,502 |
| Noninterest income to average assets | 1.4592% | 448 |
| Noninterest expense to average assets | 2.9433% | 2,217 |
| Loan and lease loss provision to assets | 0.1050% | 1,855 |
| Net operating income to assets | 1.4493% | 1,282 |
| Return on assets (ROA) | 1.4510% | 1,278 |
| Pretax return on assets | 1.7960% | 971 |
| Return on Equity (ROE) | 13.0262% | 1,365 |
| Retained earnings to average equity (ytd only) | 1.5995% | 4,609 |
| Net charge-offs to loans | 0.0522% | 1,857 |
| Credit loss provision to net charge-offs | 258.4200% | 1,114 |
| Earnings coverage of net charge-offs (x) | 46.7464% | 1,176 |
| Efficiency ratio | 59.1636% | 4,059 |
| Assets per employee ($millions) | 3.9080% | 4,043 |
| Cash dividends to net income (ytd only)* | 87.7211% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 4,059 |
| Loan loss allowance to noncurrent loans | 248.9572% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4102% | 3,090 |
| Noncurrent loans to loans | 0.3862% | 3,313 |
| Net loans and leases to total assets | 78.0251% | 1,308 |
| Net loans and leases to deposits | 92.3865% | 1,533 |
| Net loans and leases to core deposits | 102.1026% | 1,557 |
| Total domestic deposits to total assets | 84.4551% | 2,895 |
| Equity capital to assets | 11.1360% | 2,519 |
| Core capital (leverage) ratio | 9.3522% | 4,296 |
| Tier 1 risk-based capital ratio | 10.3947% | 5,314 |
| Total risk-based capital ratio | 11.2472% | 5,374 |
| Memoranda: | ||
| Average total assets | $2,368,507,000 | 372 |
| Average earning assets | $2,097,719,000 | 375 |
| Average equity | $263,838,330 | 368 |
| Average total loans | $1,844,519,000 | 348 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3951% | 2,212 |
| Cost of funding earning assets | 0.6162% | 1,937 |
| Net interest margin | 3.7789% | 2,506 |
| Noninterest income to average assets | 1.4782% | 434 |
| Noninterest expense to average assets | 2.9310% | 2,250 |
| Loan and lease loss provision to assets | 0.1226% | 1,540 |
| Net operating income to assets | 1.4349% | 1,242 |
| Return on assets (ROA) | 1.4392% | 1,231 |
| Pretax return on assets | 1.7757% | 956 |
| Return on Equity (ROE) | 12.9176% | 1,290 |
| Retained earnings to average equity (ytd only) | -10.0636% | 5,373 |
| Net charge-offs to loans | 0.0259% | 1,985 |
| Credit loss provision to net charge-offs | 611.8644% | 511 |
| Earnings coverage of net charge-offs (x) | 94.4492% | 641 |
| Efficiency ratio | 59.1212% | 4,195 |
| Assets per employee ($millions) | 3.7885% | 4,300 |
| Cash dividends to net income (ytd only)* | 177.9063% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 4,089 |
| Loan loss allowance to noncurrent loans | 262.6077% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 3,156 |
| Noncurrent loans to loans | 0.3712% | 3,453 |
| Net loans and leases to total assets | 76.5426% | 1,449 |
| Net loans and leases to deposits | 88.7879% | 1,834 |
| Net loans and leases to core deposits | 97.9582% | 1,837 |
| Total domestic deposits to total assets | 86.2084% | 2,443 |
| Equity capital to assets | 10.8230% | 2,749 |
| Core capital (leverage) ratio | 9.0920% | 4,576 |
| Tier 1 risk-based capital ratio | 10.1072% | 5,471 |
| Total risk-based capital ratio | 10.9644% | 5,517 |
| Memoranda: | ||
| Average total assets | $2,354,962,500 | 377 |
| Average earning assets | $2,085,038,000 | 378 |
| Average equity | $262,371,000 | 372 |
| Average total loans | $1,823,124,000 | 350 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 2,132 |
| Cost of funding earning assets | 0.4842% | 2,465 |
| Net interest margin | 3.8804% | 2,150 |
| Noninterest income to average assets | 1.3474% | 578 |
| Noninterest expense to average assets | 3.0590% | 1,982 |
| Loan and lease loss provision to assets | 0.0933% | 2,337 |
| Net operating income to assets | 1.4371% | 930 |
| Return on assets (ROA) | 1.4495% | 922 |
| Pretax return on assets | 1.6437% | 1,180 |
| Return on Equity (ROE) | 12.7839% | 1,001 |
| Retained earnings to average equity (ytd only) | 9.0736% | 495 |
| Net charge-offs to loans | 0.0895% | 2,195 |
| Credit loss provision to net charge-offs | 134.5324% | 1,967 |
| Earnings coverage of net charge-offs (x) | 24.8463% | 1,740 |
| Efficiency ratio | 62.2786% | 3,895 |
| Assets per employee ($millions) | 3.7531% | 4,353 |
| Cash dividends to net income (ytd only)* | 29.0233% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 4,137 |
| Loan loss allowance to noncurrent loans | 287.3058% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.3877% | 3,310 |
| Noncurrent loans to loans | 0.3359% | 3,558 |
| Net loans and leases to total assets | 76.7914% | 1,464 |
| Net loans and leases to deposits | 89.8445% | 1,794 |
| Net loans and leases to core deposits | 95.7246% | 2,052 |
| Total domestic deposits to total assets | 85.4715% | 2,668 |
| Equity capital to assets | 11.4681% | 2,227 |
| Core capital (leverage) ratio | 9.7931% | 3,704 |
| Tier 1 risk-based capital ratio | 10.7725% | 5,262 |
| Total risk-based capital ratio | 11.6234% | 5,331 |
| Memoranda: | ||
| Average total assets | $2,205,134,400 | 379 |
| Average earning assets | $1,951,657,600 | 385 |
| Average equity | $250,034,000 | 375 |
| Average total loans | $1,708,707,800 | 347 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3391% | 2,145 |
| Cost of funding earning assets | 0.4665% | 2,554 |
| Net interest margin | 3.8726% | 2,133 |
| Noninterest income to average assets | 1.3503% | 574 |
| Noninterest expense to average assets | 2.9274% | 2,315 |
| Loan and lease loss provision to assets | 0.0829% | 2,430 |
| Net operating income to assets | 1.2685% | 1,439 |
| Return on assets (ROA) | 1.2830% | 1,421 |
| Pretax return on assets | 1.7910% | 910 |
| Return on Equity (ROE) | 11.3496% | 1,554 |
| Retained earnings to average equity (ytd only) | 6.9718% | 1,703 |
| Net charge-offs to loans | 0.0762% | 2,050 |
| Credit loss provision to net charge-offs | 140.4984% | 1,772 |
| Earnings coverage of net charge-offs (x) | 31.4101% | 1,511 |
| Efficiency ratio | 59.5365% | 4,288 |
| Assets per employee ($millions) | 3.6295% | 4,547 |
| Cash dividends to net income (ytd only)* | 38.5718% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 4,159 |
| Loan loss allowance to noncurrent loans | 260.2475% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,286 |
| Noncurrent loans to loans | 0.3782% | 3,595 |
| Net loans and leases to total assets | 77.9674% | 1,276 |
| Net loans and leases to deposits | 92.1571% | 1,548 |
| Net loans and leases to core deposits | 99.0784% | 1,791 |
| Total domestic deposits to total assets | 84.6027% | 2,883 |
| Equity capital to assets | 11.4613% | 2,412 |
| Core capital (leverage) ratio | 9.5084% | 4,154 |
| Tier 1 risk-based capital ratio | 10.8362% | 5,325 |
| Total risk-based capital ratio | 11.7283% | 5,393 |
| Memoranda: | ||
| Average total assets | $2,175,621,750 | 385 |
| Average earning assets | $1,927,409,000 | 387 |
| Average equity | $245,936,000 | 381 |
| Average total loans | $1,685,537,750 | 354 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2663% | 2,232 |
| Cost of funding earning assets | 0.4363% | 2,739 |
| Net interest margin | 3.8300% | 2,176 |
| Noninterest income to average assets | 1.3422% | 590 |
| Noninterest expense to average assets | 2.8964% | 2,436 |
| Loan and lease loss provision to assets | 0.0770% | 2,442 |
| Net operating income to assets | 1.2485% | 1,447 |
| Return on assets (ROA) | 1.2658% | 1,418 |
| Pretax return on assets | 1.7845% | 872 |
| Return on Equity (ROE) | 11.2517% | 1,552 |
| Retained earnings to average equity (ytd only) | 4.6033% | 2,972 |
| Net charge-offs to loans | 0.0482% | 2,251 |
| Credit loss provision to net charge-offs | 207.2319% | 1,237 |
| Earnings coverage of net charge-offs (x) | 49.4539% | 1,085 |
| Efficiency ratio | 59.5663% | 4,386 |
| Assets per employee ($millions) | 3.6163% | 4,551 |
| Cash dividends to net income (ytd only)* | 59.0882% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 4,103 |
| Loan loss allowance to noncurrent loans | 229.1092% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 3,242 |
| Noncurrent loans to loans | 0.4391% | 3,439 |
| Net loans and leases to total assets | 77.3501% | 1,337 |
| Net loans and leases to deposits | 91.4480% | 1,562 |
| Net loans and leases to core deposits | 97.6203% | 1,842 |
| Total domestic deposits to total assets | 84.5837% | 2,986 |
| Equity capital to assets | 11.2766% | 2,515 |
| Core capital (leverage) ratio | 9.3924% | 4,238 |
| Tier 1 risk-based capital ratio | 10.4650% | 5,472 |
| Total risk-based capital ratio | 11.3591% | 5,549 |
| Memoranda: | ||
| Average total assets | $2,159,205,670 | 389 |
| Average earning assets | $1,911,811,670 | 393 |
| Average equity | $242,915,000 | 385 |
| Average total loans | $1,663,411,000 | 361 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 2,261 |
| Cost of funding earning assets | 0.4115% | 2,887 |
| Net interest margin | 3.7941% | 2,132 |
| Noninterest income to average assets | 1.3420% | 577 |
| Noninterest expense to average assets | 2.9252% | 2,379 |
| Loan and lease loss provision to assets | 0.0755% | 2,296 |
| Net operating income to assets | 1.2306% | 1,428 |
| Return on assets (ROA) | 1.2517% | 1,406 |
| Pretax return on assets | 1.7251% | 951 |
| Return on Equity (ROE) | 11.1397% | 1,519 |
| Retained earnings to average equity (ytd only) | -2.2961% | 5,198 |
| Net charge-offs to loans | 0.0531% | 1,811 |
| Credit loss provision to net charge-offs | 186.1751% | 1,067 |
| Earnings coverage of net charge-offs (x) | 43.6682% | 973 |
| Efficiency ratio | 60.6759% | 4,368 |
| Assets per employee ($millions) | 3.7732% | 4,382 |
| Cash dividends to net income (ytd only)* | 120.6124% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 4,082 |
| Loan loss allowance to noncurrent loans | 172.3228% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,946 |
| Noncurrent loans to loans | 0.5991% | 3,019 |
| Net loans and leases to total assets | 75.6914% | 1,459 |
| Net loans and leases to deposits | 89.0587% | 1,660 |
| Net loans and leases to core deposits | 95.0942% | 1,885 |
| Total domestic deposits to total assets | 84.9904% | 3,095 |
| Equity capital to assets | 11.1197% | 2,513 |
| Core capital (leverage) ratio | 9.3451% | 4,284 |
| Tier 1 risk-based capital ratio | 10.4229% | 5,575 |
| Total risk-based capital ratio | 11.3222% | 5,638 |
| Memoranda: | ||
| Average total assets | $2,139,454,000 | 392 |
| Average earning assets | $1,891,762,000 | 397 |
| Average equity | $240,402,500 | 385 |
| Average total loans | $1,636,123,000 | 364 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 2,257 |
| Cost of funding earning assets | 0.3664% | 3,353 |
| Net interest margin | 3.8992% | 1,973 |
| Noninterest income to average assets | 1.3188% | 655 |
| Noninterest expense to average assets | 2.9595% | 2,466 |
| Loan and lease loss provision to assets | 0.1260% | 1,971 |
| Net operating income to assets | 1.2651% | 1,313 |
| Return on assets (ROA) | 1.2787% | 1,341 |
| Pretax return on assets | 1.7048% | 992 |
| Return on Equity (ROE) | 11.5031% | 1,403 |
| Retained earnings to average equity (ytd only) | 8.6312% | 660 |
| Net charge-offs to loans | 0.0630% | 2,798 |
| Credit loss provision to net charge-offs | 267.8719% | 1,071 |
| Earnings coverage of net charge-offs (x) | 38.5382% | 1,208 |
| Efficiency ratio | 60.3287% | 4,530 |
| Assets per employee ($millions) | 3.7204% | 4,447 |
| Cash dividends to net income (ytd only)* | 24.9658% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 4,083 |
| Loan loss allowance to noncurrent loans | 209.8095% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.5158% | 3,201 |
| Noncurrent loans to loans | 0.4954% | 3,384 |
| Net loans and leases to total assets | 75.6719% | 1,566 |
| Net loans and leases to deposits | 90.6936% | 1,609 |
| Net loans and leases to core deposits | 98.0637% | 1,763 |
| Total domestic deposits to total assets | 83.4369% | 3,620 |
| Equity capital to assets | 11.3556% | 2,287 |
| Core capital (leverage) ratio | 9.7148% | 3,835 |
| Tier 1 risk-based capital ratio | 10.7443% | 5,466 |
| Total risk-based capital ratio | 11.6486% | 5,555 |
| Memoranda: | ||
| Average total assets | $2,058,016,800 | 388 |
| Average earning assets | $1,822,700,200 | 395 |
| Average equity | $228,774,000 | 385 |
| Average total loans | $1,536,688,000 | 368 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 2,327 |
| Cost of funding earning assets | 0.3629% | 3,410 |
| Net interest margin | 3.8895% | 2,013 |
| Noninterest income to average assets | 1.3211% | 670 |
| Noninterest expense to average assets | 2.8898% | 2,671 |
| Loan and lease loss provision to assets | 0.1389% | 1,690 |
| Net operating income to assets | 1.2235% | 1,547 |
| Return on assets (ROA) | 1.2408% | 1,588 |
| Pretax return on assets | 1.7662% | 964 |
| Return on Equity (ROE) | 11.2249% | 1,586 |
| Retained earnings to average equity (ytd only) | 7.6815% | 1,324 |
| Net charge-offs to loans | 0.0328% | 2,988 |
| Credit loss provision to net charge-offs | 570.5094% | 639 |
| Earnings coverage of net charge-offs (x) | 77.2227% | 807 |
| Efficiency ratio | 58.8729% | 4,704 |
| Assets per employee ($millions) | 3.6389% | 4,586 |
| Cash dividends to net income (ytd only)* | 31.5673% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 3,888 |
| Loan loss allowance to noncurrent loans | 176.6958% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 3,190 |
| Noncurrent loans to loans | 0.6166% | 3,169 |
| Net loans and leases to total assets | 75.6653% | 1,580 |
| Net loans and leases to deposits | 91.8258% | 1,521 |
| Net loans and leases to core deposits | 99.0070% | 1,725 |
| Total domestic deposits to total assets | 82.4010% | 3,808 |
| Equity capital to assets | 11.4944% | 2,518 |
| Core capital (leverage) ratio | 9.5362% | 4,135 |
| Tier 1 risk-based capital ratio | 11.4415% | 5,125 |
| Total risk-based capital ratio | 12.4477% | 5,164 |
| Memoranda: | ||
| Average total assets | $2,042,367,500 | 391 |
| Average earning assets | $1,811,121,750 | 395 |
| Average equity | $225,765,250 | 391 |
| Average total loans | $1,515,469,250 | 370 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 2,397 |
| Cost of funding earning assets | 0.3574% | 3,480 |
| Net interest margin | 3.8746% | 2,066 |
| Noninterest income to average assets | 1.2992% | 680 |
| Noninterest expense to average assets | 2.8883% | 2,719 |
| Loan and lease loss provision to assets | 0.1357% | 1,677 |
| Net operating income to assets | 1.2077% | 1,571 |
| Return on assets (ROA) | 1.2205% | 1,629 |
| Pretax return on assets | 1.7279% | 1,033 |
| Return on Equity (ROE) | 11.1893% | 1,578 |
| Retained earnings to average equity (ytd only) | 5.8068% | 2,232 |
| Net charge-offs to loans | 0.0253% | 2,972 |
| Credit loss provision to net charge-offs | 730.0000% | 491 |
| Earnings coverage of net charge-offs (x) | 99.2684% | 585 |
| Efficiency ratio | 59.2439% | 4,741 |
| Assets per employee ($millions) | 3.6263% | 4,557 |
| Cash dividends to net income (ytd only)* | 48.1039% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 4,059 |
| Loan loss allowance to noncurrent loans | 175.1920% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 3,296 |
| Noncurrent loans to loans | 0.6160% | 3,219 |
| Net loans and leases to total assets | 73.8860% | 1,864 |
| Net loans and leases to deposits | 88.1979% | 1,968 |
| Net loans and leases to core deposits | 95.8160% | 1,991 |
| Total domestic deposits to total assets | 83.7730% | 3,358 |
| Equity capital to assets | 11.2112% | 2,835 |
| Core capital (leverage) ratio | 9.3380% | 4,409 |
| Tier 1 risk-based capital ratio | 11.2341% | 5,299 |
| Total risk-based capital ratio | 12.2245% | 5,362 |
| Memoranda: | ||
| Average total assets | $2,043,901,330 | 391 |
| Average earning assets | $1,811,862,000 | 396 |
| Average equity | $222,944,330 | 398 |
| Average total loans | $1,501,003,670 | 371 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 2,542 |
| Cost of funding earning assets | 0.3369% | 3,759 |
| Net interest margin | 3.8457% | 2,120 |
| Noninterest income to average assets | 1.2621% | 686 |
| Noninterest expense to average assets | 2.8516% | 2,882 |
| Loan and lease loss provision to assets | 0.1050% | 1,950 |
| Net operating income to assets | 1.2496% | 1,408 |
| Return on assets (ROA) | 1.2619% | 1,461 |
| Pretax return on assets | 1.7283% | 994 |
| Return on Equity (ROE) | 12.1246% | 1,282 |
| Retained earnings to average equity (ytd only) | -0.8083% | 5,254 |
| Net charge-offs to loans | -0.0620% | 5,437 |
| Credit loss provision to net charge-offs | -234.0000% | 4,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4002% | 4,822 |
| Assets per employee ($millions) | 3.6084% | 4,636 |
| Cash dividends to net income (ytd only)* | 106.6667% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 3,325 |
| Loan loss allowance to noncurrent loans | 172.2343% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.6907% | 2,988 |
| Noncurrent loans to loans | 0.7124% | 3,057 |
| Net loans and leases to total assets | 72.3068% | 1,985 |
| Net loans and leases to deposits | 83.7818% | 2,331 |
| Net loans and leases to core deposits | 89.3828% | 2,431 |
| Total domestic deposits to total assets | 86.3038% | 2,536 |
| Equity capital to assets | 10.5549% | 3,424 |
| Core capital (leverage) ratio | 8.7573% | 5,114 |
| Tier 1 risk-based capital ratio | 10.8290% | 5,589 |
| Total risk-based capital ratio | 11.9438% | 5,579 |
| Memoranda: | ||
| Average total assets | $1,782,996,000 | 432 |
| Average earning assets | $1,579,116,500 | 446 |
| Average equity | $185,573,500 | 454 |
| Average total loans | $1,289,443,000 | 409 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 2,809 |
| Cost of funding earning assets | 0.3186% | 4,051 |
| Net interest margin | 3.8118% | 2,331 |
| Noninterest income to average assets | 1.2532% | 765 |
| Noninterest expense to average assets | 2.8371% | 3,084 |
| Loan and lease loss provision to assets | 0.1034% | 2,257 |
| Net operating income to assets | 1.2929% | 1,285 |
| Return on assets (ROA) | 1.3051% | 1,309 |
| Pretax return on assets | 1.6940% | 1,006 |
| Return on Equity (ROE) | 11.9050% | 1,327 |
| Retained earnings to average equity (ytd only) | -2.6956% | 5,797 |
| Net charge-offs to loans | 0.1046% | 2,354 |
| Credit loss provision to net charge-offs | 138.7490% | 1,888 |
| Earnings coverage of net charge-offs (x) | 23.8978% | 1,703 |
| Efficiency ratio | 59.6031% | 4,962 |
| Assets per employee ($millions) | 3.7295% | 4,414 |
| Cash dividends to net income (ytd only)* | 122.6429% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 3,616 |
| Loan loss allowance to noncurrent loans | 153.4643% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 2,939 |
| Noncurrent loans to loans | 0.7654% | 2,884 |
| Net loans and leases to total assets | 70.6151% | 2,276 |
| Net loans and leases to deposits | 83.8688% | 2,376 |
| Net loans and leases to core deposits | 89.1836% | 2,480 |
| Total domestic deposits to total assets | 84.1971% | 3,401 |
| Equity capital to assets | 10.2647% | 3,664 |
| Core capital (leverage) ratio | 8.9894% | 4,898 |
| Tier 1 risk-based capital ratio | 10.8689% | 5,591 |
| Total risk-based capital ratio | 11.9280% | 5,604 |
| Memoranda: | ||
| Average total assets | $1,758,600,400 | 417 |
| Average earning assets | $1,552,676,400 | 425 |
| Average equity | $192,793,600 | 428 |
| Average total loans | $1,252,894,200 | 403 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1316% | 2,804 |
| Cost of funding earning assets | 0.3183% | 4,130 |
| Net interest margin | 3.8133% | 2,335 |
| Noninterest income to average assets | 1.2681% | 750 |
| Noninterest expense to average assets | 2.7451% | 3,403 |
| Loan and lease loss provision to assets | 0.1020% | 2,150 |
| Net operating income to assets | 1.2730% | 1,412 |
| Return on assets (ROA) | 1.2839% | 1,437 |
| Pretax return on assets | 1.8143% | 876 |
| Return on Equity (ROE) | 11.5214% | 1,517 |
| Retained earnings to average equity (ytd only) | 7.3099% | 1,541 |
| Net charge-offs to loans | 0.1037% | 2,098 |
| Credit loss provision to net charge-offs | 138.2627% | 1,788 |
| Earnings coverage of net charge-offs (x) | 25.7580% | 1,649 |
| Efficiency ratio | 57.2508% | 5,202 |
| Assets per employee ($millions) | 3.6643% | 4,498 |
| Cash dividends to net income (ytd only)* | 36.5533% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 3,724 |
| Loan loss allowance to noncurrent loans | 129.5143% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.9205% | 2,559 |
| Noncurrent loans to loans | 0.9174% | 2,684 |
| Net loans and leases to total assets | 71.7308% | 2,106 |
| Net loans and leases to deposits | 86.5936% | 2,082 |
| Net loans and leases to core deposits | 92.5136% | 2,217 |
| Total domestic deposits to total assets | 82.8362% | 3,869 |
| Equity capital to assets | 11.5950% | 2,426 |
| Core capital (leverage) ratio | 9.8867% | 3,784 |
| Tier 1 risk-based capital ratio | 13.1585% | 4,343 |
| Total risk-based capital ratio | 14.3124% | 4,312 |
| Memoranda: | ||
| Average total assets | $1,746,981,000 | 418 |
| Average earning assets | $1,547,580,250 | 428 |
| Average equity | $194,670,750 | 429 |
| Average total loans | $1,243,666,000 | 405 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 2,866 |
| Cost of funding earning assets | 0.3203% | 4,155 |
| Net interest margin | 3.7879% | 2,370 |
| Noninterest income to average assets | 1.2657% | 764 |
| Noninterest expense to average assets | 2.7233% | 3,518 |
| Loan and lease loss provision to assets | 0.0994% | 2,167 |
| Net operating income to assets | 1.2715% | 1,397 |
| Return on assets (ROA) | 1.2852% | 1,425 |
| Pretax return on assets | 1.8156% | 868 |
| Return on Equity (ROE) | 11.6907% | 1,477 |
| Retained earnings to average equity (ytd only) | 5.2951% | 2,676 |
| Net charge-offs to loans | 0.1138% | 1,868 |
| Credit loss provision to net charge-offs | 123.4375% | 1,762 |
| Earnings coverage of net charge-offs (x) | 23.5497% | 1,606 |
| Efficiency ratio | 57.1121% | 5,324 |
| Assets per employee ($millions) | 3.6876% | 4,455 |
| Cash dividends to net income (ytd only)* | 54.7064% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 3,943 |
| Loan loss allowance to noncurrent loans | 150.6614% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8676% | 2,812 |
| Noncurrent loans to loans | 0.7796% | 3,158 |
| Net loans and leases to total assets | 70.6810% | 2,214 |
| Net loans and leases to deposits | 85.5176% | 2,104 |
| Net loans and leases to core deposits | 91.3837% | 2,206 |
| Total domestic deposits to total assets | 82.6508% | 4,079 |
| Equity capital to assets | 11.0748% | 2,813 |
| Core capital (leverage) ratio | 9.5262% | 4,248 |
| Tier 1 risk-based capital ratio | 12.5828% | 4,754 |
| Total risk-based capital ratio | 13.7088% | 4,745 |
| Memoranda: | ||
| Average total assets | $1,749,134,000 | 417 |
| Average earning assets | $1,548,452,330 | 423 |
| Average equity | $192,289,670 | 434 |
| Average total loans | $1,237,053,670 | 405 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 2,868 |
| Cost of funding earning assets | 0.3202% | 4,224 |
| Net interest margin | 3.7720% | 2,342 |
| Noninterest income to average assets | 1.2390% | 743 |
| Noninterest expense to average assets | 2.6867% | 3,637 |
| Loan and lease loss provision to assets | 0.1006% | 2,016 |
| Net operating income to assets | 1.2721% | 1,355 |
| Return on assets (ROA) | 1.2991% | 1,366 |
| Pretax return on assets | 1.8269% | 830 |
| Return on Equity (ROE) | 11.8619% | 1,387 |
| Retained earnings to average equity (ytd only) | -1.0271% | 5,560 |
| Net charge-offs to loans | 0.1342% | 1,445 |
| Credit loss provision to net charge-offs | 106.5693% | 1,545 |
| Earnings coverage of net charge-offs (x) | 20.0243% | 1,427 |
| Efficiency ratio | 56.9207% | 5,444 |
| Assets per employee ($millions) | 3.7894% | 4,354 |
| Cash dividends to net income (ytd only)* | 108.6588% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 4,063 |
| Loan loss allowance to noncurrent loans | 111.8661% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 2,520 |
| Noncurrent loans to loans | 1.0582% | 2,649 |
| Net loans and leases to total assets | 69.4948% | 2,204 |
| Net loans and leases to deposits | 82.7102% | 2,244 |
| Net loans and leases to core deposits | 89.5960% | 2,168 |
| Total domestic deposits to total assets | 84.0221% | 3,808 |
| Equity capital to assets | 10.8416% | 3,150 |
| Core capital (leverage) ratio | 9.3219% | 4,537 |
| Tier 1 risk-based capital ratio | 12.2389% | 5,082 |
| Total risk-based capital ratio | 13.3629% | 5,075 |
| Memoranda: | ||
| Average total assets | $1,742,373,500 | 422 |
| Average earning assets | $1,541,461,000 | 425 |
| Average equity | $190,829,000 | 437 |
| Average total loans | $1,225,245,500 | 403 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 3,018 |
| Cost of funding earning assets | 0.3960% | 3,733 |
| Net interest margin | 3.7826% | 2,687 |
| Noninterest income to average assets | 1.1987% | 835 |
| Noninterest expense to average assets | 2.7628% | 3,624 |
| Loan and lease loss provision to assets | 0.1451% | 1,821 |
| Net operating income to assets | 1.1365% | 1,833 |
| Return on assets (ROA) | 1.1879% | 1,693 |
| Pretax return on assets | 1.7107% | 965 |
| Return on Equity (ROE) | 11.1451% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.3188% | 1,264 |
| Net charge-offs to loans | 0.1564% | 2,468 |
| Credit loss provision to net charge-offs | 134.5692% | 1,756 |
| Earnings coverage of net charge-offs (x) | 16.5169% | 2,005 |
| Efficiency ratio | 58.8485% | 5,363 |
| Assets per employee ($millions) | 3.6731% | 4,584 |
| Cash dividends to net income (ytd only)* | 34.3317% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 3,944 |
| Loan loss allowance to noncurrent loans | 91.5125% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.2041% | 2,370 |
| Noncurrent loans to loans | 1.3209% | 2,233 |
| Net loans and leases to total assets | 69.4635% | 2,315 |
| Net loans and leases to deposits | 83.6444% | 2,256 |
| Net loans and leases to core deposits | 88.9114% | 2,391 |
| Total domestic deposits to total assets | 83.0462% | 4,061 |
| Equity capital to assets | 11.0654% | 2,837 |
| Core capital (leverage) ratio | 9.3160% | 4,518 |
| Tier 1 risk-based capital ratio | 12.7646% | 4,877 |
| Total risk-based capital ratio | 13.9714% | 4,816 |
| Memoranda: | ||
| Average total assets | $1,700,457,600 | 420 |
| Average earning assets | $1,504,008,400 | 422 |
| Average equity | $181,246,200 | 442 |
| Average total loans | $1,172,999,400 | 403 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 3,003 |
| Cost of funding earning assets | 0.4130% | 3,649 |
| Net interest margin | 3.7826% | 2,680 |
| Noninterest income to average assets | 1.1901% | 848 |
| Noninterest expense to average assets | 2.7544% | 3,624 |
| Loan and lease loss provision to assets | 0.1436% | 1,748 |
| Net operating income to assets | 1.1169% | 1,964 |
| Return on assets (ROA) | 1.1839% | 1,812 |
| Pretax return on assets | 1.7365% | 1,002 |
| Return on Equity (ROE) | 11.2163% | 1,708 |
| Retained earnings to average equity (ytd only) | 6.0479% | 2,379 |
| Net charge-offs to loans | 0.2237% | 1,701 |
| Credit loss provision to net charge-offs | 93.4939% | 2,367 |
| Earnings coverage of net charge-offs (x) | 11.6020% | 2,404 |
| Efficiency ratio | 58.6445% | 5,358 |
| Assets per employee ($millions) | 3.6226% | 4,629 |
| Cash dividends to net income (ytd only)* | 46.0797% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 4,365 |
| Loan loss allowance to noncurrent loans | 83.5500% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.3027% | 2,377 |
| Noncurrent loans to loans | 1.4046% | 2,309 |
| Net loans and leases to total assets | 68.9482% | 2,379 |
| Net loans and leases to deposits | 84.3320% | 2,101 |
| Net loans and leases to core deposits | 90.3899% | 2,184 |
| Total domestic deposits to total assets | 81.7580% | 4,560 |
| Equity capital to assets | 10.8966% | 3,074 |
| Core capital (leverage) ratio | 8.9991% | 5,071 |
| Tier 1 risk-based capital ratio | 12.6115% | 5,102 |
| Total risk-based capital ratio | 13.7808% | 5,087 |
| Memoranda: | ||
| Average total assets | $1,694,897,750 | 420 |
| Average earning assets | $1,499,201,750 | 424 |
| Average equity | $178,902,000 | 440 |
| Average total loans | $1,163,427,250 | 399 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2048% | 2,935 |
| Cost of funding earning assets | 0.4245% | 3,605 |
| Net interest margin | 3.7803% | 2,633 |
| Noninterest income to average assets | 1.1837% | 834 |
| Noninterest expense to average assets | 2.7605% | 3,660 |
| Loan and lease loss provision to assets | 0.1508% | 1,631 |
| Net operating income to assets | 1.0977% | 1,952 |
| Return on assets (ROA) | 1.1867% | 1,706 |
| Pretax return on assets | 1.7476% | 937 |
| Return on Equity (ROE) | 11.3655% | 1,610 |
| Retained earnings to average equity (ytd only) | 5.7890% | 2,458 |
| Net charge-offs to loans | 0.2890% | 1,383 |
| Credit loss provision to net charge-offs | 76.4354% | 2,370 |
| Earnings coverage of net charge-offs (x) | 8.9581% | 2,422 |
| Efficiency ratio | 58.4936% | 5,492 |
| Assets per employee ($millions) | 3.5754% | 4,708 |
| Cash dividends to net income (ytd only)* | 49.0652% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 4,634 |
| Loan loss allowance to noncurrent loans | 74.8228% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 1.3921% | 2,350 |
| Noncurrent loans to loans | 1.5458% | 2,241 |
| Net loans and leases to total assets | 67.9361% | 2,420 |
| Net loans and leases to deposits | 82.5914% | 2,184 |
| Net loans and leases to core deposits | 88.5606% | 2,250 |
| Total domestic deposits to total assets | 82.2556% | 4,567 |
| Equity capital to assets | 10.6150% | 3,290 |
| Core capital (leverage) ratio | 8.8429% | 5,234 |
| Tier 1 risk-based capital ratio | 12.5314% | 5,210 |
| Total risk-based capital ratio | 13.6941% | 5,188 |
| Memoranda: | ||
| Average total assets | $1,694,743,000 | 415 |
| Average earning assets | $1,499,344,000 | 427 |
| Average equity | $176,957,000 | 440 |
| Average total loans | $1,156,969,000 | 399 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 2,866 |
| Cost of funding earning assets | 0.4262% | 3,680 |
| Net interest margin | 3.7762% | 2,565 |
| Noninterest income to average assets | 1.1928% | 779 |
| Noninterest expense to average assets | 2.7690% | 3,684 |
| Loan and lease loss provision to assets | 0.1675% | 1,446 |
| Net operating income to assets | 1.0773% | 1,906 |
| Return on assets (ROA) | 1.2440% | 1,417 |
| Pretax return on assets | 1.8481% | 730 |
| Return on Equity (ROE) | 12.0156% | 1,401 |
| Retained earnings to average equity (ytd only) | 0.7081% | 5,307 |
| Net charge-offs to loans | 0.1918% | 1,584 |
| Credit loss provision to net charge-offs | 128.3636% | 1,395 |
| Earnings coverage of net charge-offs (x) | 13.5382% | 1,663 |
| Efficiency ratio | 58.5687% | 5,592 |
| Assets per employee ($millions) | 3.5883% | 4,745 |
| Cash dividends to net income (ytd only)* | 94.1064% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 4,483 |
| Loan loss allowance to noncurrent loans | 77.6493% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.4858% | 2,375 |
| Noncurrent loans to loans | 1.5846% | 2,440 |
| Net loans and leases to total assets | 67.7055% | 2,267 |
| Net loans and leases to deposits | 78.6954% | 2,463 |
| Net loans and leases to core deposits | 84.1709% | 2,494 |
| Total domestic deposits to total assets | 86.0349% | 3,350 |
| Equity capital to assets | 10.4412% | 3,308 |
| Core capital (leverage) ratio | 8.5846% | 5,540 |
| Tier 1 risk-based capital ratio | 12.3612% | 5,403 |
| Total risk-based capital ratio | 13.5990% | 5,342 |
| Memoranda: | ||
| Average total assets | $1,685,818,000 | 420 |
| Average earning assets | $1,492,404,500 | 428 |
| Average equity | $174,539,500 | 445 |
| Average total loans | $1,146,912,000 | 399 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4492% | 2,396 |
| Cost of funding earning assets | 0.5501% | 3,111 |
| Net interest margin | 3.8991% | 2,288 |
| Noninterest income to average assets | 1.0862% | 1,197 |
| Noninterest expense to average assets | 2.7709% | 3,832 |
| Loan and lease loss provision to assets | 0.2681% | 1,315 |
| Net operating income to assets | 1.0534% | 2,101 |
| Return on assets (ROA) | 1.0716% | 2,114 |
| Pretax return on assets | 1.5255% | 1,363 |
| Return on Equity (ROE) | 10.0084% | 2,111 |
| Retained earnings to average equity (ytd only) | 9.4020% | 678 |
| Net charge-offs to loans | 0.1639% | 3,171 |
| Credit loss provision to net charge-offs | 237.2989% | 967 |
| Earnings coverage of net charge-offs (x) | 15.6483% | 1,855 |
| Efficiency ratio | 58.7842% | 5,637 |
| Assets per employee ($millions) | 3.5553% | 4,794 |
| Cash dividends to net income (ytd only)* | 6.0580% | 4,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 4,515 |
| Loan loss allowance to noncurrent loans | 85.0981% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.3418% | 2,743 |
| Noncurrent loans to loans | 1.4406% | 2,730 |
| Net loans and leases to total assets | 66.6932% | 2,575 |
| Net loans and leases to deposits | 80.6066% | 2,374 |
| Net loans and leases to core deposits | 84.9225% | 2,567 |
| Total domestic deposits to total assets | 82.7391% | 4,630 |
| Equity capital to assets | 10.2663% | 3,429 |
| Core capital (leverage) ratio | 8.6558% | 5,469 |
| Tier 1 risk-based capital ratio | 12.3084% | 5,425 |
| Total risk-based capital ratio | 13.5342% | 5,367 |
| Memoranda: | ||
| Average total assets | $1,540,377,800 | 444 |
| Average earning assets | $1,363,862,600 | 448 |
| Average equity | $164,932,200 | 453 |
| Average total loans | $1,061,773,000 | 410 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4963% | 2,245 |
| Cost of funding earning assets | 0.5897% | 2,901 |
| Net interest margin | 3.9066% | 2,249 |
| Noninterest income to average assets | 1.0795% | 1,257 |
| Noninterest expense to average assets | 2.7779% | 3,738 |
| Loan and lease loss provision to assets | 0.2604% | 1,359 |
| Net operating income to assets | 1.0495% | 2,183 |
| Return on assets (ROA) | 1.0690% | 2,206 |
| Pretax return on assets | 1.5284% | 1,526 |
| Return on Equity (ROE) | 9.8696% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.8696% | 817 |
| Net charge-offs to loans | 0.1837% | 2,763 |
| Credit loss provision to net charge-offs | 204.4599% | 1,183 |
| Earnings coverage of net charge-offs (x) | 13.8265% | 1,992 |
| Efficiency ratio | 58.8820% | 5,573 |
| Assets per employee ($millions) | 3.4193% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 4,927 |
| Loan loss allowance to noncurrent loans | 107.9582% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1523% | 3,353 |
| Noncurrent loans to loans | 1.0987% | 3,595 |
| Net loans and leases to total assets | 66.7220% | 2,515 |
| Net loans and leases to deposits | 80.5613% | 2,332 |
| Net loans and leases to core deposits | 85.7159% | 2,442 |
| Total domestic deposits to total assets | 82.8214% | 4,646 |
| Equity capital to assets | 10.4135% | 3,376 |
| Core capital (leverage) ratio | 8.6157% | 5,639 |
| Tier 1 risk-based capital ratio | 12.2846% | 5,581 |
| Total risk-based capital ratio | 13.4626% | 5,567 |
| Memoranda: | ||
| Average total assets | $1,502,394,250 | 456 |
| Average earning assets | $1,330,338,750 | 466 |
| Average equity | $162,731,000 | 465 |
| Average total loans | $1,041,550,000 | 418 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5504% | 2,026 |
| Cost of funding earning assets | 0.6368% | 2,619 |
| Net interest margin | 3.9136% | 2,175 |
| Noninterest income to average assets | 1.0236% | 1,456 |
| Noninterest expense to average assets | 2.7313% | 3,925 |
| Loan and lease loss provision to assets | 0.2701% | 1,365 |
| Net operating income to assets | 1.0677% | 2,043 |
| Return on assets (ROA) | 1.0741% | 2,134 |
| Pretax return on assets | 1.4950% | 1,629 |
| Return on Equity (ROE) | 9.7750% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.7750% | 896 |
| Net charge-offs to loans | 0.2443% | 2,260 |
| Credit loss provision to net charge-offs | 157.9454% | 1,466 |
| Earnings coverage of net charge-offs (x) | 10.2697% | 2,169 |
| Efficiency ratio | 58.8097% | 5,624 |
| Assets per employee ($millions) | 3.7041% | 4,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,230 |
| Loan loss allowance to noncurrent loans | 119.2349% | 3,027 |
| Noncurrent assets plus other real estate owned to assets | 1.0957% | 3,540 |
| Noncurrent loans to loans | 0.9665% | 4,005 |
| Net loans and leases to total assets | 66.0055% | 2,594 |
| Net loans and leases to deposits | 76.6880% | 2,771 |
| Net loans and leases to core deposits | 81.7780% | 2,825 |
| Total domestic deposits to total assets | 86.0701% | 3,325 |
| Equity capital to assets | 10.2951% | 3,549 |
| Core capital (leverage) ratio | 8.9125% | 5,124 |
| Tier 1 risk-based capital ratio | 12.1015% | 5,732 |
| Total risk-based capital ratio | 13.2431% | 5,746 |
| Memoranda: | ||
| Average total assets | $1,457,248,330 | 465 |
| Average earning assets | $1,289,811,000 | 476 |
| Average equity | $160,122,670 | 470 |
| Average total loans | $1,020,096,000 | 422 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 1,650 |
| Cost of funding earning assets | 0.6913% | 2,297 |
| Net interest margin | 3.9689% | 1,894 |
| Noninterest income to average assets | 1.0512% | 1,339 |
| Noninterest expense to average assets | 2.8620% | 3,498 |
| Loan and lease loss provision to assets | 0.2717% | 1,303 |
| Net operating income to assets | 1.1198% | 1,779 |
| Return on assets (ROA) | 1.1344% | 1,847 |
| Pretax return on assets | 1.4457% | 1,718 |
| Return on Equity (ROE) | 9.9604% | 2,076 |
| Retained earnings to average equity (ytd only) | 9.9604% | 1,114 |
| Net charge-offs to loans | 0.1733% | 2,362 |
| Credit loss provision to net charge-offs | 218.0974% | 1,022 |
| Earnings coverage of net charge-offs (x) | 13.6357% | 1,516 |
| Efficiency ratio | 60.7326% | 5,486 |
| Assets per employee ($millions) | 3.5078% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 5,339 |
| Loan loss allowance to noncurrent loans | 102.3287% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 3,392 |
| Noncurrent loans to loans | 1.1412% | 3,875 |
| Net loans and leases to total assets | 71.1975% | 1,491 |
| Net loans and leases to deposits | 86.2635% | 1,324 |
| Net loans and leases to core deposits | 93.7898% | 1,362 |
| Total domestic deposits to total assets | 82.5349% | 5,015 |
| Equity capital to assets | 11.4927% | 2,418 |
| Core capital (leverage) ratio | 9.7037% | 3,787 |
| Tier 1 risk-based capital ratio | 13.2195% | 5,060 |
| Total risk-based capital ratio | 14.4092% | 5,052 |
| Memoranda: | ||
| Average total assets | $1,383,936,000 | 490 |
| Average earning assets | $1,223,706,500 | 494 |
| Average equity | $157,623,500 | 478 |
| Average total loans | $994,651,000 | 429 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 2,201 |
| Cost of funding earning assets | 0.8251% | 2,465 |
| Net interest margin | 3.9745% | 2,496 |
| Noninterest income to average assets | 1.0623% | 1,373 |
| Noninterest expense to average assets | 2.5476% | 4,938 |
| Loan and lease loss provision to assets | 0.1948% | 3,202 |
| Net operating income to assets | 1.2067% | 1,582 |
| Return on assets (ROA) | 1.2164% | 1,712 |
| Pretax return on assets | 1.8491% | 828 |
| Return on Equity (ROE) | 11.0575% | 1,786 |
| Retained earnings to average equity (ytd only) | 4.2073% | 3,267 |
| Net charge-offs to loans | 0.3341% | 2,967 |
| Credit loss provision to net charge-offs | 80.5899% | 3,815 |
| Earnings coverage of net charge-offs (x) | 8.3955% | 2,420 |
| Efficiency ratio | 53.5273% | 6,315 |
| Assets per employee ($millions) | 3.4717% | 5,069 |
| Cash dividends to net income (ytd only)* | 61.9510% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 5,009 |
| Loan loss allowance to noncurrent loans | 116.5396% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 3,883 |
| Noncurrent loans to loans | 1.0487% | 4,110 |
| Net loans and leases to total assets | 70.8129% | 1,678 |
| Net loans and leases to deposits | 84.2425% | 1,726 |
| Net loans and leases to core deposits | 94.3491% | 1,436 |
| Total domestic deposits to total assets | 84.0583% | 4,288 |
| Equity capital to assets | 11.2773% | 2,650 |
| Core capital (leverage) ratio | 9.4273% | 4,215 |
| Tier 1 risk-based capital ratio | 12.7198% | 5,318 |
| Total risk-based capital ratio | 13.9529% | 5,262 |
| Memoranda: | ||
| Average total assets | $1,304,539,600 | 510 |
| Average earning assets | $1,153,559,800 | 515 |
| Average equity | $143,513,800 | 506 |
| Average total loans | $943,773,600 | 440 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 2,207 |
| Cost of funding earning assets | 0.8515% | 2,524 |
| Net interest margin | 3.9963% | 2,510 |
| Noninterest income to average assets | 1.0661% | 1,332 |
| Noninterest expense to average assets | 2.5464% | 4,934 |
| Loan and lease loss provision to assets | 0.1948% | 3,138 |
| Net operating income to assets | 1.2212% | 1,666 |
| Return on assets (ROA) | 1.2342% | 1,793 |
| Pretax return on assets | 1.8820% | 906 |
| Return on Equity (ROE) | 11.2915% | 1,858 |
| Retained earnings to average equity (ytd only) | 7.8175% | 1,697 |
| Net charge-offs to loans | 0.2494% | 3,225 |
| Credit loss provision to net charge-offs | 107.7185% | 2,732 |
| Earnings coverage of net charge-offs (x) | 11.3757% | 2,082 |
| Efficiency ratio | 53.1825% | 6,334 |
| Assets per employee ($millions) | 3.4401% | 5,114 |
| Cash dividends to net income (ytd only)* | 30.7667% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,749 |
| Loan loss allowance to noncurrent loans | 145.2719% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.0937% | 4,109 |
| Noncurrent loans to loans | 0.9045% | 4,619 |
| Net loans and leases to total assets | 72.1899% | 1,519 |
| Net loans and leases to deposits | 86.0599% | 1,596 |
| Net loans and leases to core deposits | 96.6709% | 1,355 |
| Total domestic deposits to total assets | 83.8833% | 4,278 |
| Equity capital to assets | 11.4391% | 2,813 |
| Core capital (leverage) ratio | 9.2582% | 4,664 |
| Tier 1 risk-based capital ratio | 12.6603% | 5,516 |
| Total risk-based capital ratio | 13.9113% | 5,473 |
| Memoranda: | ||
| Average total assets | $1,299,131,250 | 515 |
| Average earning assets | $1,149,930,750 | 522 |
| Average equity | $142,003,000 | 509 |
| Average total loans | $942,037,000 | 439 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8564% | 2,283 |
| Cost of funding earning assets | 0.8725% | 2,639 |
| Net interest margin | 3.9839% | 2,573 |
| Noninterest income to average assets | 1.0484% | 1,321 |
| Noninterest expense to average assets | 2.5139% | 5,093 |
| Loan and lease loss provision to assets | 0.1998% | 3,083 |
| Net operating income to assets | 1.2136% | 1,669 |
| Return on assets (ROA) | 1.2264% | 1,814 |
| Pretax return on assets | 1.8794% | 885 |
| Return on Equity (ROE) | 11.3945% | 1,851 |
| Retained earnings to average equity (ytd only) | 6.1192% | 2,638 |
| Net charge-offs to loans | 0.1496% | 3,715 |
| Credit loss provision to net charge-offs | 184.6809% | 1,535 |
| Earnings coverage of net charge-offs (x) | 19.0383% | 1,455 |
| Efficiency ratio | 52.8251% | 6,436 |
| Assets per employee ($millions) | 3.4174% | 5,174 |
| Cash dividends to net income (ytd only)* | 46.2963% | 1,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3582% | 4,628 |
| Loan loss allowance to noncurrent loans | 108.0799% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.1832% | 4,043 |
| Noncurrent loans to loans | 1.2566% | 4,035 |
| Net loans and leases to total assets | 71.9352% | 1,562 |
| Net loans and leases to deposits | 86.0937% | 1,584 |
| Net loans and leases to core deposits | 96.1514% | 1,416 |
| Total domestic deposits to total assets | 83.5545% | 4,507 |
| Equity capital to assets | 11.0186% | 3,095 |
| Core capital (leverage) ratio | 8.8626% | 5,107 |
| Tier 1 risk-based capital ratio | 12.1994% | 5,797 |
| Total risk-based capital ratio | 13.4511% | 5,777 |
| Memoranda: | ||
| Average total assets | $1,303,305,330 | 518 |
| Average earning assets | $1,153,245,000 | 518 |
| Average equity | $140,278,670 | 511 |
| Average total loans | $942,326,330 | 441 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 2,243 |
| Cost of funding earning assets | 0.9050% | 2,648 |
| Net interest margin | 3.9947% | 2,530 |
| Noninterest income to average assets | 1.0500% | 1,308 |
| Noninterest expense to average assets | 2.4679% | 5,255 |
| Loan and lease loss provision to assets | 0.2074% | 2,878 |
| Net operating income to assets | 1.2466% | 1,611 |
| Return on assets (ROA) | 1.2446% | 1,791 |
| Pretax return on assets | 1.8979% | 883 |
| Return on Equity (ROE) | 11.7012% | 1,768 |
| Retained earnings to average equity (ytd only) | 1.0585% | 5,653 |
| Net charge-offs to loans | 0.2614% | 2,625 |
| Credit loss provision to net charge-offs | 110.2439% | 2,126 |
| Earnings coverage of net charge-offs (x) | 11.2049% | 1,689 |
| Efficiency ratio | 51.7951% | 6,560 |
| Assets per employee ($millions) | 3.4883% | 5,142 |
| Cash dividends to net income (ytd only)* | 90.9538% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 5,017 |
| Loan loss allowance to noncurrent loans | 131.9523% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 4,164 |
| Noncurrent loans to loans | 0.9861% | 4,701 |
| Net loans and leases to total assets | 71.0980% | 1,554 |
| Net loans and leases to deposits | 84.5592% | 1,589 |
| Net loans and leases to core deposits | 93.4560% | 1,510 |
| Total domestic deposits to total assets | 84.0808% | 4,447 |
| Equity capital to assets | 10.6023% | 3,373 |
| Core capital (leverage) ratio | 8.4844% | 5,620 |
| Tier 1 risk-based capital ratio | 11.6969% | 6,158 |
| Total risk-based capital ratio | 12.9478% | 6,139 |
| Memoranda: | ||
| Average total assets | $1,307,369,500 | 514 |
| Average earning assets | $1,154,027,500 | 521 |
| Average equity | $139,063,000 | 512 |
| Average total loans | $941,231,500 | 443 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0844% | 2,512 |
| Cost of funding earning assets | 1.0922% | 2,723 |
| Net interest margin | 3.9922% | 2,923 |
| Noninterest income to average assets | 1.0355% | 1,269 |
| Noninterest expense to average assets | 2.4809% | 5,528 |
| Loan and lease loss provision to assets | 0.3129% | 3,164 |
| Net operating income to assets | 1.1778% | 1,576 |
| Return on assets (ROA) | 1.1918% | 1,644 |
| Pretax return on assets | 1.8048% | 795 |
| Return on Equity (ROE) | 11.2012% | 1,647 |
| Retained earnings to average equity (ytd only) | 6.1321% | 1,942 |
| Net charge-offs to loans | 0.2215% | 4,401 |
| Credit loss provision to net charge-offs | 194.3433% | 1,309 |
| Earnings coverage of net charge-offs (x) | 13.0216% | 1,576 |
| Efficiency ratio | 51.9620% | 6,700 |
| Assets per employee ($millions) | 3.4751% | 5,081 |
| Cash dividends to net income (ytd only)* | 45.2552% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,878 |
| Loan loss allowance to noncurrent loans | 128.8695% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 1.1600% | 4,292 |
| Noncurrent loans to loans | 1.0122% | 4,683 |
| Net loans and leases to total assets | 71.0144% | 1,820 |
| Net loans and leases to deposits | 84.7155% | 1,841 |
| Net loans and leases to core deposits | 102.8002% | 977 |
| Total domestic deposits to total assets | 83.8269% | 4,397 |
| Equity capital to assets | 10.6717% | 3,344 |
| Core capital (leverage) ratio | 8.6209% | 5,363 |
| Tier 1 risk-based capital ratio | 11.6191% | 6,074 |
| Total risk-based capital ratio | 12.8710% | 6,060 |
| Memoranda: | ||
| Average total assets | $1,262,637,000 | 518 |
| Average earning assets | $1,120,286,600 | 527 |
| Average equity | $134,343,000 | 517 |
| Average total loans | $917,647,600 | 458 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1138% | 2,538 |
| Cost of funding earning assets | 1.1418% | 2,684 |
| Net interest margin | 3.9719% | 3,036 |
| Noninterest income to average assets | 1.0278% | 1,276 |
| Noninterest expense to average assets | 2.4970% | 5,473 |
| Loan and lease loss provision to assets | 0.2588% | 3,432 |
| Net operating income to assets | 1.1857% | 1,691 |
| Return on assets (ROA) | 1.2024% | 1,753 |
| Pretax return on assets | 1.8282% | 905 |
| Return on Equity (ROE) | 11.3093% | 1,756 |
| Retained earnings to average equity (ytd only) | 6.2429% | 2,406 |
| Net charge-offs to loans | 0.1963% | 4,230 |
| Credit loss provision to net charge-offs | 180.8780% | 1,641 |
| Earnings coverage of net charge-offs (x) | 14.4122% | 1,535 |
| Efficiency ratio | 52.5229% | 6,632 |
| Assets per employee ($millions) | 3.4406% | 5,142 |
| Cash dividends to net income (ytd only)* | 44.7986% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,360 |
| Loan loss allowance to noncurrent loans | 97.7869% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.2239% | 4,350 |
| Noncurrent loans to loans | 1.2543% | 4,440 |
| Net loans and leases to total assets | 72.3103% | 1,644 |
| Net loans and leases to deposits | 86.1333% | 1,673 |
| Net loans and leases to core deposits | 104.8192% | 930 |
| Total domestic deposits to total assets | 83.9516% | 4,252 |
| Equity capital to assets | 10.8382% | 3,305 |
| Core capital (leverage) ratio | 8.4943% | 5,719 |
| Tier 1 risk-based capital ratio | 11.5743% | 6,194 |
| Total risk-based capital ratio | 12.8242% | 6,188 |
| Memoranda: | ||
| Average total assets | $1,252,508,000 | 531 |
| Average earning assets | $1,113,517,750 | 532 |
| Average equity | $133,161,750 | 529 |
| Average total loans | $912,645,250 | 461 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1297% | 2,547 |
| Cost of funding earning assets | 1.1975% | 2,597 |
| Net interest margin | 3.9321% | 3,159 |
| Noninterest income to average assets | 1.0311% | 1,245 |
| Noninterest expense to average assets | 2.5227% | 5,451 |
| Loan and lease loss provision to assets | 0.2307% | 3,603 |
| Net operating income to assets | 1.1670% | 1,675 |
| Return on assets (ROA) | 1.1803% | 1,721 |
| Pretax return on assets | 1.7945% | 892 |
| Return on Equity (ROE) | 11.1754% | 1,735 |
| Retained earnings to average equity (ytd only) | 6.3152% | 2,237 |
| Net charge-offs to loans | 0.2150% | 3,845 |
| Credit loss provision to net charge-offs | 147.4872% | 2,072 |
| Earnings coverage of net charge-offs (x) | 12.8205% | 1,598 |
| Efficiency ratio | 53.4701% | 6,671 |
| Assets per employee ($millions) | 3.3356% | 5,358 |
| Cash dividends to net income (ytd only)* | 43.4901% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,634 |
| Loan loss allowance to noncurrent loans | 143.0126% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 5,096 |
| Noncurrent loans to loans | 0.8249% | 5,281 |
| Net loans and leases to total assets | 71.4011% | 1,907 |
| Net loans and leases to deposits | 87.5414% | 1,562 |
| Net loans and leases to core deposits | 102.8377% | 1,125 |
| Total domestic deposits to total assets | 81.5626% | 5,330 |
| Equity capital to assets | 10.7457% | 3,233 |
| Core capital (leverage) ratio | 8.3692% | 5,753 |
| Tier 1 risk-based capital ratio | 11.5261% | 6,154 |
| Total risk-based capital ratio | 12.7300% | 6,168 |
| Memoranda: | ||
| Average total assets | $1,246,818,670 | 536 |
| Average earning assets | $1,108,765,330 | 538 |
| Average equity | $131,682,670 | 533 |
| Average total loans | $907,049,000 | 471 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 2,400 |
| Cost of funding earning assets | 1.2249% | 2,655 |
| Net interest margin | 3.9316% | 2,994 |
| Noninterest income to average assets | 1.0787% | 1,131 |
| Noninterest expense to average assets | 2.5564% | 5,364 |
| Loan and lease loss provision to assets | 0.2087% | 3,552 |
| Net operating income to assets | 1.1904% | 1,548 |
| Return on assets (ROA) | 1.1931% | 1,584 |
| Pretax return on assets | 1.8118% | 792 |
| Return on Equity (ROE) | 11.3981% | 1,624 |
| Retained earnings to average equity (ytd only) | 1.5216% | 5,203 |
| Net charge-offs to loans | 0.2735% | 2,976 |
| Credit loss provision to net charge-offs | 104.5307% | 2,547 |
| Earnings coverage of net charge-offs (x) | 10.0971% | 1,661 |
| Efficiency ratio | 53.7271% | 6,715 |
| Assets per employee ($millions) | 3.3357% | 5,402 |
| Cash dividends to net income (ytd only)* | 86.6504% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 5,868 |
| Loan loss allowance to noncurrent loans | 151.7687% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 5,247 |
| Noncurrent loans to loans | 0.7548% | 5,516 |
| Net loans and leases to total assets | 71.3330% | 1,851 |
| Net loans and leases to deposits | 84.9653% | 1,883 |
| Net loans and leases to core deposits | 93.4895% | 1,956 |
| Total domestic deposits to total assets | 83.9554% | 4,506 |
| Equity capital to assets | 10.3945% | 3,288 |
| Core capital (leverage) ratio | 8.2405% | 5,920 |
| Tier 1 risk-based capital ratio | 11.2458% | 6,309 |
| Total risk-based capital ratio | 12.4103% | 6,354 |
| Memoranda: | ||
| Average total assets | $1,238,129,000 | 544 |
| Average earning assets | $1,100,211,000 | 545 |
| Average equity | $129,600,500 | 536 |
| Average total loans | $903,860,000 | 482 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4729% | 2,385 |
| Cost of funding earning assets | 1.4162% | 3,155 |
| Net interest margin | 4.0567% | 2,771 |
| Noninterest income to average assets | 1.0923% | 1,250 |
| Noninterest expense to average assets | 2.6390% | 5,266 |
| Loan and lease loss provision to assets | 0.2146% | 5,107 |
| Net operating income to assets | 1.2154% | 1,379 |
| Return on assets (ROA) | 1.2296% | 1,414 |
| Pretax return on assets | 1.8644% | 661 |
| Return on Equity (ROE) | 11.4193% | 1,476 |
| Retained earnings to average equity (ytd only) | 6.7935% | 1,411 |
| Net charge-offs to loans | 0.1160% | 5,719 |
| Credit loss provision to net charge-offs | 250.2070% | 1,131 |
| Earnings coverage of net charge-offs (x) | 23.9752% | 882 |
| Efficiency ratio | 54.1243% | 6,794 |
| Assets per employee ($millions) | 3.2677% | 5,498 |
| Cash dividends to net income (ytd only)* | 40.5083% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 5,786 |
| Loan loss allowance to noncurrent loans | 224.0982% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 5,908 |
| Noncurrent loans to loans | 0.5085% | 6,017 |
| Net loans and leases to total assets | 73.0205% | 1,865 |
| Net loans and leases to deposits | 88.7743% | 1,682 |
| Net loans and leases to core deposits | 101.5700% | 1,486 |
| Total domestic deposits to total assets | 82.2541% | 5,106 |
| Equity capital to assets | 10.5419% | 3,117 |
| Core capital (leverage) ratio | 8.3891% | 5,557 |
| Tier 1 risk-based capital ratio | 11.1120% | 6,239 |
| Total risk-based capital ratio | 12.2690% | 6,284 |
| Memoranda: | ||
| Average total assets | $1,126,275,200 | 585 |
| Average earning assets | $1,000,320,000 | 599 |
| Average equity | $121,276,800 | 560 |
| Average total loans | $833,010,200 | 532 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4818% | 2,510 |
| Cost of funding earning assets | 1.4472% | 3,295 |
| Net interest margin | 4.0346% | 2,933 |
| Noninterest income to average assets | 1.1109% | 1,144 |
| Noninterest expense to average assets | 2.6390% | 5,158 |
| Loan and lease loss provision to assets | 0.1853% | 5,189 |
| Net operating income to assets | 1.2316% | 1,510 |
| Return on assets (ROA) | 1.2533% | 1,537 |
| Pretax return on assets | 1.9052% | 760 |
| Return on Equity (ROE) | 11.5715% | 1,627 |
| Retained earnings to average equity (ytd only) | 7.2006% | 1,754 |
| Net charge-offs to loans | 0.0808% | 5,713 |
| Credit loss provision to net charge-offs | 309.9190% | 1,026 |
| Earnings coverage of net charge-offs (x) | 34.3907% | 778 |
| Efficiency ratio | 54.2471% | 6,769 |
| Assets per employee ($millions) | 3.2150% | 5,640 |
| Cash dividends to net income (ytd only)* | 37.7729% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 5,960 |
| Loan loss allowance to noncurrent loans | 198.6953% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 5,781 |
| Noncurrent loans to loans | 0.5518% | 6,098 |
| Net loans and leases to total assets | 74.6668% | 1,645 |
| Net loans and leases to deposits | 90.4950% | 1,651 |
| Net loans and leases to core deposits | 103.8046% | 1,504 |
| Total domestic deposits to total assets | 82.5094% | 4,798 |
| Equity capital to assets | 10.7625% | 3,211 |
| Core capital (leverage) ratio | 8.3500% | 5,786 |
| Tier 1 risk-based capital ratio | 11.0186% | 6,367 |
| Total risk-based capital ratio | 12.1424% | 6,448 |
| Memoranda: | ||
| Average total assets | $1,101,496,750 | 600 |
| Average earning assets | $978,610,750 | 610 |
| Average equity | $119,301,250 | 561 |
| Average total loans | $814,988,250 | 538 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 2,979 |
| Cost of funding earning assets | 1.4349% | 3,641 |
| Net interest margin | 3.9652% | 3,185 |
| Noninterest income to average assets | 1.1026% | 1,088 |
| Noninterest expense to average assets | 2.6183% | 5,249 |
| Loan and lease loss provision to assets | 0.1693% | 5,181 |
| Net operating income to assets | 1.2055% | 1,545 |
| Return on assets (ROA) | 1.2391% | 1,516 |
| Pretax return on assets | 1.8890% | 750 |
| Return on Equity (ROE) | 11.4134% | 1,621 |
| Retained earnings to average equity (ytd only) | 6.0588% | 2,304 |
| Net charge-offs to loans | 0.0675% | 5,469 |
| Credit loss provision to net charge-offs | 341.8868% | 1,066 |
| Earnings coverage of net charge-offs (x) | 40.4981% | 721 |
| Efficiency ratio | 54.7171% | 6,795 |
| Assets per employee ($millions) | 3.1955% | 5,696 |
| Cash dividends to net income (ytd only)* | 46.9151% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,593 |
| Loan loss allowance to noncurrent loans | 234.8739% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5766% | 6,039 |
| Noncurrent loans to loans | 0.4989% | 6,252 |
| Net loans and leases to total assets | 73.3386% | 2,075 |
| Net loans and leases to deposits | 92.2871% | 1,482 |
| Net loans and leases to core deposits | 101.9128% | 1,835 |
| Total domestic deposits to total assets | 79.4678% | 5,898 |
| Equity capital to assets | 11.5316% | 2,413 |
| Core capital (leverage) ratio | 9.1324% | 4,403 |
| Tier 1 risk-based capital ratio | 12.5401% | 4,821 |
| Total risk-based capital ratio | 13.7604% | 4,824 |
| Memoranda: | ||
| Average total assets | $1,069,997,670 | 620 |
| Average earning assets | $950,327,000 | 627 |
| Average equity | $116,162,000 | 569 |
| Average total loans | $785,681,000 | 557 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 3,476 |
| Cost of funding earning assets | 1.4171% | 4,068 |
| Net interest margin | 3.8970% | 3,343 |
| Noninterest income to average assets | 1.0739% | 1,099 |
| Noninterest expense to average assets | 2.6334% | 5,216 |
| Loan and lease loss provision to assets | 0.1723% | 4,799 |
| Net operating income to assets | 1.1452% | 1,688 |
| Return on assets (ROA) | 1.1941% | 1,630 |
| Pretax return on assets | 1.8047% | 866 |
| Return on Equity (ROE) | 11.3638% | 1,681 |
| Retained earnings to average equity (ytd only) | 0.1798% | 5,745 |
| Net charge-offs to loans | 0.1076% | 4,349 |
| Credit loss provision to net charge-offs | 219.2308% | 1,717 |
| Earnings coverage of net charge-offs (x) | 24.1971% | 1,030 |
| Efficiency ratio | 56.3489% | 6,722 |
| Assets per employee ($millions) | 3.2192% | 5,724 |
| Cash dividends to net income (ytd only)* | 98.4177% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 5,801 |
| Loan loss allowance to noncurrent loans | 367.9321% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 6,295 |
| Noncurrent loans to loans | 0.3111% | 6,698 |
| Net loans and leases to total assets | 71.6748% | 2,526 |
| Net loans and leases to deposits | 88.9842% | 2,065 |
| Net loans and leases to core deposits | 97.0712% | 2,453 |
| Total domestic deposits to total assets | 80.5479% | 5,604 |
| Equity capital to assets | 10.3658% | 3,387 |
| Core capital (leverage) ratio | 8.5287% | 5,324 |
| Tier 1 risk-based capital ratio | 11.1256% | 6,030 |
| Total risk-based capital ratio | 12.3050% | 6,078 |
| Memoranda: | ||
| Average total assets | $1,058,561,000 | 642 |
| Average earning assets | $940,211,500 | 653 |
| Average equity | $111,230,500 | 594 |
| Average total loans | $773,022,000 | 585 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7206% | 3,004 |
| Cost of funding earning assets | 1.8233% | 3,865 |
| Net interest margin | 3.8972% | 3,280 |
| Noninterest income to average assets | 1.0877% | 1,302 |
| Noninterest expense to average assets | 2.7327% | 5,233 |
| Loan and lease loss provision to assets | 0.1195% | 6,449 |
| Net operating income to assets | 1.1233% | 1,457 |
| Return on assets (ROA) | 0.9970% | 1,897 |
| Pretax return on assets | 1.4960% | 1,194 |
| Return on Equity (ROE) | 9.2711% | 1,932 |
| Retained earnings to average equity (ytd only) | 2.0896% | 3,640 |
| Net charge-offs to loans | 0.1460% | 5,780 |
| Credit loss provision to net charge-offs | 110.6004% | 4,975 |
| Earnings coverage of net charge-offs (x) | 16.6923% | 1,240 |
| Efficiency ratio | 58.4796% | 6,699 |
| Assets per employee ($millions) | 3.1269% | 5,924 |
| Cash dividends to net income (ytd only)* | 77.4616% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,464 |
| Loan loss allowance to noncurrent loans | 437.6296% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.4287% | 6,389 |
| Noncurrent loans to loans | 0.2700% | 6,753 |
| Net loans and leases to total assets | 72.7175% | 2,576 |
| Net loans and leases to deposits | 93.0913% | 1,724 |
| Net loans and leases to core deposits | 114.3224% | 2,473 |
| Total domestic deposits to total assets | 78.1141% | 6,190 |
| Equity capital to assets | 10.6605% | 3,009 |
| Core capital (leverage) ratio | 8.6096% | 5,079 |
| Tier 1 risk-based capital ratio | 11.4590% | 5,444 |
| Total risk-based capital ratio | 12.6648% | 5,453 |
| Memoranda: | ||
| Average total assets | $987,019,400 | 680 |
| Average earning assets | $873,181,400 | 694 |
| Average equity | $106,147,200 | 615 |
| Average total loans | $730,192,800 | 630 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 3,105 |
| Cost of funding earning assets | 1.9068% | 3,847 |
| Net interest margin | 3.8421% | 3,469 |
| Noninterest income to average assets | 1.1091% | 1,280 |
| Noninterest expense to average assets | 2.7559% | 5,082 |
| Loan and lease loss provision to assets | 0.1058% | 6,318 |
| Net operating income to assets | 1.0910% | 1,766 |
| Return on assets (ROA) | 0.9605% | 2,257 |
| Pretax return on assets | 1.4498% | 1,562 |
| Return on Equity (ROE) | 8.9109% | 2,300 |
| Retained earnings to average equity (ytd only) | 1.8057% | 4,305 |
| Net charge-offs to loans | 0.1267% | 5,429 |
| Credit loss provision to net charge-offs | 112.7721% | 4,505 |
| Earnings coverage of net charge-offs (x) | 18.6706% | 1,338 |
| Efficiency ratio | 59.3329% | 6,510 |
| Assets per employee ($millions) | 3.1019% | 5,906 |
| Cash dividends to net income (ytd only)* | 79.7363% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2015% | 5,096 |
| Loan loss allowance to noncurrent loans | 286.5435% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 5,829 |
| Noncurrent loans to loans | 0.4193% | 6,496 |
| Net loans and leases to total assets | 73.2066% | 2,736 |
| Net loans and leases to deposits | 91.7186% | 2,286 |
| Net loans and leases to core deposits | 113.2062% | 2,915 |
| Total domestic deposits to total assets | 79.8165% | 5,515 |
| Equity capital to assets | 10.8219% | 3,190 |
| Core capital (leverage) ratio | 8.5648% | 5,363 |
| Tier 1 risk-based capital ratio | 11.5577% | 5,377 |
| Total risk-based capital ratio | 12.7884% | 5,346 |
| Memoranda: | ||
| Average total assets | $978,930,000 | 696 |
| Average earning assets | $866,002,750 | 711 |
| Average equity | $105,516,250 | 626 |
| Average total loans | $725,209,250 | 655 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7453% | 3,319 |
| Cost of funding earning assets | 1.9976% | 3,788 |
| Net interest margin | 3.7477% | 3,761 |
| Noninterest income to average assets | 1.1454% | 1,193 |
| Noninterest expense to average assets | 2.7591% | 5,137 |
| Loan and lease loss provision to assets | 0.1051% | 6,111 |
| Net operating income to assets | 1.0554% | 1,931 |
| Return on assets (ROA) | 0.9341% | 2,421 |
| Pretax return on assets | 1.4112% | 1,692 |
| Return on Equity (ROE) | 8.6783% | 2,488 |
| Retained earnings to average equity (ytd only) | 3.7166% | 3,227 |
| Net charge-offs to loans | 0.1748% | 4,487 |
| Credit loss provision to net charge-offs | 81.1410% | 5,161 |
| Earnings coverage of net charge-offs (x) | 13.1252% | 1,761 |
| Efficiency ratio | 60.0442% | 6,544 |
| Assets per employee ($millions) | 2.9630% | 6,228 |
| Cash dividends to net income (ytd only)* | 57.1742% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,038 |
| Loan loss allowance to noncurrent loans | 127.0612% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9751% | 5,028 |
| Noncurrent loans to loans | 0.9339% | 5,352 |
| Net loans and leases to total assets | 73.2763% | 2,890 |
| Net loans and leases to deposits | 91.7021% | 2,525 |
| Net loans and leases to core deposits | 114.3353% | 2,875 |
| Total domestic deposits to total assets | 79.9069% | 5,504 |
| Equity capital to assets | 10.8999% | 3,018 |
| Core capital (leverage) ratio | 8.6490% | 5,180 |
| Tier 1 risk-based capital ratio | 11.8310% | 5,071 |
| Total risk-based capital ratio | 13.0555% | 5,009 |
| Memoranda: | ||
| Average total assets | $974,370,330 | 714 |
| Average earning assets | $861,540,670 | 734 |
| Average equity | $104,882,000 | 636 |
| Average total loans | $721,781,670 | 685 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7622% | 3,470 |
| Cost of funding earning assets | 2.1245% | 3,540 |
| Net interest margin | 3.6377% | 4,153 |
| Noninterest income to average assets | 1.2076% | 987 |
| Noninterest expense to average assets | 2.6726% | 5,136 |
| Loan and lease loss provision to assets | 0.1042% | 5,637 |
| Net operating income to assets | 1.0800% | 2,032 |
| Return on assets (ROA) | 1.0931% | 2,109 |
| Pretax return on assets | 1.6586% | 1,273 |
| Return on Equity (ROE) | 10.2202% | 2,230 |
| Retained earnings to average equity (ytd only) | 0.2002% | 5,577 |
| Net charge-offs to loans | 0.0306% | 5,093 |
| Credit loss provision to net charge-offs | 460.0000% | 1,159 |
| Earnings coverage of net charge-offs (x) | 76.9455% | 539 |
| Efficiency ratio | 58.6606% | 6,599 |
| Assets per employee ($millions) | 3.0875% | 5,925 |
| Cash dividends to net income (ytd only)* | 98.0407% | 782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 4,511 |
| Loan loss allowance to noncurrent loans | 156.1159% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7457% | 5,293 |
| Noncurrent loans to loans | 0.7957% | 5,446 |
| Net loans and leases to total assets | 71.7720% | 3,294 |
| Net loans and leases to deposits | 89.4933% | 3,012 |
| Net loans and leases to core deposits | 114.8792% | 2,917 |
| Total domestic deposits to total assets | 80.1982% | 5,287 |
| Equity capital to assets | 10.5014% | 3,461 |
| Core capital (leverage) ratio | 8.5611% | 5,408 |
| Tier 1 risk-based capital ratio | 11.2469% | 5,649 |
| Total risk-based capital ratio | 12.4847% | 5,574 |
| Memoranda: | ||
| Average total assets | $971,185,500 | 718 |
| Average earning assets | $856,472,000 | 738 |
| Average equity | $103,873,000 | 643 |
| Average total loans | $719,032,500 | 694 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7621% | 1,818 |
| Cost of funding earning assets | 2.8996% | 2,270 |
| Net interest margin | 3.8626% | 3,732 |
| Noninterest income to average assets | 1.1788% | 1,101 |
| Noninterest expense to average assets | 2.7042% | 5,250 |
| Loan and lease loss provision to assets | 0.2015% | 4,874 |
| Net operating income to assets | 1.1273% | 2,042 |
| Return on assets (ROA) | 1.0804% | 2,139 |
| Pretax return on assets | 1.6172% | 1,337 |
| Return on Equity (ROE) | 10.6204% | 2,040 |
| Retained earnings to average equity (ytd only) | 9.6881% | 496 |
| Net charge-offs to loans | 0.1913% | 4,274 |
| Credit loss provision to net charge-offs | 139.6139% | 3,801 |
| Earnings coverage of net charge-offs (x) | 13.0857% | 2,172 |
| Efficiency ratio | 57.1259% | 6,849 |
| Assets per employee ($millions) | 2.9820% | 6,096 |
| Cash dividends to net income (ytd only)* | 8.7786% | 4,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 4,392 |
| Loan loss allowance to noncurrent loans | 178.1874% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5803% | 5,441 |
| Noncurrent loans to loans | 0.6840% | 5,328 |
| Net loans and leases to total assets | 74.5357% | 2,979 |
| Net loans and leases to deposits | 94.9510% | 2,623 |
| Net loans and leases to core deposits | 122.5139% | 2,447 |
| Total domestic deposits to total assets | 78.4991% | 5,550 |
| Equity capital to assets | 10.8977% | 3,119 |
| Core capital (leverage) ratio | 8.9152% | 4,867 |
| Tier 1 risk-based capital ratio | 11.4853% | 5,247 |
| Total risk-based capital ratio | 12.7244% | 5,157 |
| Memoranda: | ||
| Average total assets | $897,245,000 | 743 |
| Average earning assets | $793,049,200 | 776 |
| Average equity | $91,277,000 | 733 |
| Average total loans | $677,047,200 | 704 |