Home > Horizon Bank > Performance and Condition Ratios
Horizon Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 3,388 |
| Cost of funding earning assets | 1.7819% | 1,279 |
| Net interest margin | 2.5516% | 4,033 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 1.8268% | 3,959 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7738% | 2,966 |
| Return on assets (ROA) | 0.4529% | 3,763 |
| Pretax return on assets | 0.6172% | 3,606 |
| Return on Equity (ROE) | 4.7400% | 3,770 |
| Retained earnings to average equity (ytd only) | -2.6202% | 4,304 |
| Net charge-offs to loans | 0.0505% | 1,360 |
| Credit loss provision to net charge-offs | 113.7899% | 1,728 |
| Earnings coverage of net charge-offs (x) | 38.5118% | 1,467 |
| Efficiency ratio | 61.8130% | 2,853 |
| Assets per employee ($millions) | 9.2411% | 904 |
| Cash dividends to net income (ytd only)* | 155.2578% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1321% | 2,642 |
| Loan loss allowance to noncurrent loans | 254.9248% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 1,899 |
| Noncurrent loans to loans | 0.4441% | 1,670 |
| Net loans and leases to total assets | 55.3000% | 3,251 |
| Net loans and leases to deposits | 76.1487% | 2,441 |
| Net loans and leases to core deposits | 88.4662% | 2,152 |
| Total domestic deposits to total assets | 72.6200% | 4,191 |
| Equity capital to assets | 9.6621% | 2,232 |
| Core capital (leverage) ratio | 8.4140% | 4,155 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8678% | 2,286 |
| Memoranda: | ||
| Average total assets | $7,892,296,400 | 191 |
| Average earning assets | $7,202,011,000 | 186 |
| Average equity | $753,863,200 | 204 |
| Average total loans | $4,283,256,000 | 225 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 3,391 |
| Cost of funding earning assets | 1.6553% | 1,267 |
| Net interest margin | 2.5879% | 4,047 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 1.8002% | 3,976 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9931% | 2,384 |
| Return on assets (ROA) | 0.9857% | 2,397 |
| Pretax return on assets | 1.0838% | 2,612 |
| Return on Equity (ROE) | 10.3500% | 2,546 |
| Retained earnings to average equity (ytd only) | 2.1882% | 3,696 |
| Net charge-offs to loans | 0.0432% | 1,271 |
| Credit loss provision to net charge-offs | 86.0566% | 1,723 |
| Earnings coverage of net charge-offs (x) | 47.7858% | 1,332 |
| Efficiency ratio | 59.9400% | 2,971 |
| Assets per employee ($millions) | 9.1558% | 882 |
| Cash dividends to net income (ytd only)* | 78.8576% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1394% | 2,677 |
| Loan loss allowance to noncurrent loans | 257.7749% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 1,973 |
| Noncurrent loans to loans | 0.4420% | 1,723 |
| Net loans and leases to total assets | 54.3200% | 3,335 |
| Net loans and leases to deposits | 74.6976% | 2,510 |
| Net loans and leases to core deposits | 88.1216% | 2,043 |
| Total domestic deposits to total assets | 72.7200% | 4,229 |
| Equity capital to assets | 9.3058% | 2,220 |
| Core capital (leverage) ratio | 8.7716% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1127% | 2,227 |
| Memoranda: | ||
| Average total assets | $7,890,084,500 | 192 |
| Average earning assets | $7,184,279,750 | 186 |
| Average equity | $751,474,750 | 203 |
| Average total loans | $4,249,308,000 | 231 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 3,411 |
| Cost of funding earning assets | 1.4850% | 1,269 |
| Net interest margin | 2.6569% | 4,029 |
| Noninterest income to average assets | 0.5400% | 1,717 |
| Noninterest expense to average assets | 1.8038% | 3,990 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.0277% | 2,326 |
| Return on assets (ROA) | 1.0166% | 2,364 |
| Pretax return on assets | 1.1170% | 2,596 |
| Return on Equity (ROE) | 10.5900% | 2,535 |
| Retained earnings to average equity (ytd only) | 0.9329% | 3,926 |
| Net charge-offs to loans | 0.0310% | 1,267 |
| Credit loss provision to net charge-offs | 141.1945% | 1,232 |
| Earnings coverage of net charge-offs (x) | 69.4916% | 1,119 |
| Efficiency ratio | 59.1438% | 3,060 |
| Assets per employee ($millions) | 8.9891% | 916 |
| Cash dividends to net income (ytd only)* | 91.1930% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 2,597 |
| Loan loss allowance to noncurrent loans | 226.2484% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 1,720 |
| Noncurrent loans to loans | 0.5169% | 1,426 |
| Net loans and leases to total assets | 53.1500% | 3,333 |
| Net loans and leases to deposits | 73.0391% | 2,576 |
| Net loans and leases to core deposits | 86.4750% | 2,034 |
| Total domestic deposits to total assets | 72.7600% | 4,262 |
| Equity capital to assets | 9.5065% | 2,157 |
| Core capital (leverage) ratio | 8.7157% | 3,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0254% | 2,283 |
| Memoranda: | ||
| Average total assets | $7,874,090,000 | 184 |
| Average earning assets | $7,173,674,667 | 184 |
| Average equity | $755,732,333 | 198 |
| Average total loans | $4,211,800,667 | 225 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 3,420 |
| Cost of funding earning assets | 1.3768% | 1,074 |
| Net interest margin | 2.6405% | 4,164 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 1.7905% | 4,047 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.0120% | 2,496 |
| Return on assets (ROA) | 0.9890% | 2,528 |
| Pretax return on assets | 1.0948% | 2,723 |
| Return on Equity (ROE) | 10.2600% | 2,706 |
| Retained earnings to average equity (ytd only) | 5.4929% | 2,890 |
| Net charge-offs to loans | 0.0363% | 1,009 |
| Credit loss provision to net charge-offs | 63.8522% | 1,269 |
| Earnings coverage of net charge-offs (x) | 58.5620% | 1,037 |
| Efficiency ratio | 59.3760% | 3,039 |
| Assets per employee ($millions) | 8.9665% | 944 |
| Cash dividends to net income (ytd only)* | 46.4396% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 2,738 |
| Loan loss allowance to noncurrent loans | 250.6250% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2732% | 1,774 |
| Noncurrent loans to loans | 0.4650% | 1,555 |
| Net loans and leases to total assets | 53.2900% | 3,256 |
| Net loans and leases to deposits | 72.9677% | 2,387 |
| Net loans and leases to core deposits | 83.9837% | 1,983 |
| Total domestic deposits to total assets | 73.0300% | 4,319 |
| Equity capital to assets | 9.7462% | 1,967 |
| Core capital (leverage) ratio | 8.8636% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5634% | 2,159 |
| Memoranda: | ||
| Average total assets | $7,837,940,500 | 192 |
| Average earning assets | $7,143,896,000 | 190 |
| Average equity | $755,886,500 | 204 |
| Average total loans | $4,181,104,500 | 233 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4212% | 3,293 |
| Cost of funding earning assets | 0.4387% | 1,799 |
| Net interest margin | 2.9825% | 3,493 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 1.8914% | 3,845 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 1.3130% | 1,384 |
| Return on assets (ROA) | 1.3130% | 1,350 |
| Pretax return on assets | 1.4923% | 1,477 |
| Return on Equity (ROE) | 13.3100% | 1,705 |
| Retained earnings to average equity (ytd only) | 8.8771% | 1,515 |
| Net charge-offs to loans | 0.0219% | 1,628 |
| Credit loss provision to net charge-offs | -215.4211% | 4,604 |
| Earnings coverage of net charge-offs (x) | 131.3464% | 848 |
| Efficiency ratio | 54.4616% | 3,750 |
| Assets per employee ($millions) | 8.6604% | 1,032 |
| Cash dividends to net income (ytd only)* | 33.3276% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,259 |
| Loan loss allowance to noncurrent loans | 262.0690% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 1,792 |
| Noncurrent loans to loans | 0.4682% | 1,534 |
| Net loans and leases to total assets | 52.1200% | 3,350 |
| Net loans and leases to deposits | 68.7398% | 2,682 |
| Net loans and leases to core deposits | 78.2151% | 2,260 |
| Total domestic deposits to total assets | 75.8200% | 4,269 |
| Equity capital to assets | 9.5405% | 1,974 |
| Core capital (leverage) ratio | 8.8862% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5937% | 2,128 |
| Memoranda: | ||
| Average total assets | $7,541,530,200 | 199 |
| Average earning assets | $6,896,911,200 | 195 |
| Average equity | $743,675,800 | 205 |
| Average total loans | $3,846,365,400 | 233 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3617% | 3,009 |
| Cost of funding earning assets | 0.2667% | 2,523 |
| Net interest margin | 3.0950% | 2,948 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 1.9736% | 3,544 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 1.3594% | 1,193 |
| Return on assets (ROA) | 1.3594% | 1,166 |
| Pretax return on assets | 1.5469% | 1,282 |
| Return on Equity (ROE) | 13.6700% | 1,518 |
| Retained earnings to average equity (ytd only) | 9.2775% | 1,560 |
| Net charge-offs to loans | 0.0197% | 1,441 |
| Credit loss provision to net charge-offs | -313.0824% | 4,677 |
| Earnings coverage of net charge-offs (x) | 152.3584% | 742 |
| Efficiency ratio | 54.8093% | 3,744 |
| Assets per employee ($millions) | 8.4391% | 1,099 |
| Cash dividends to net income (ytd only)* | 32.1320% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 2,042 |
| Loan loss allowance to noncurrent loans | 310.4993% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 1,927 |
| Noncurrent loans to loans | 0.4175% | 1,768 |
| Net loans and leases to total assets | 51.1600% | 3,371 |
| Net loans and leases to deposits | 66.4861% | 2,678 |
| Net loans and leases to core deposits | 71.3507% | 2,541 |
| Total domestic deposits to total assets | 76.9500% | 4,321 |
| Equity capital to assets | 9.3177% | 2,006 |
| Core capital (leverage) ratio | 8.8385% | 3,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6541% | 2,194 |
| Memoranda: | ||
| Average total assets | $7,478,327,750 | 200 |
| Average earning assets | $6,846,860,000 | 195 |
| Average equity | $743,689,750 | 204 |
| Average total loans | $3,779,744,500 | 235 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2167% | 2,990 |
| Cost of funding earning assets | 0.1669% | 3,357 |
| Net interest margin | 3.0498% | 2,722 |
| Noninterest income to average assets | 0.7164% | 1,269 |
| Noninterest expense to average assets | 1.9566% | 3,561 |
| Loan and lease loss provision to assets | -0.0309% | 4,468 |
| Net operating income to assets | 1.3713% | 976 |
| Return on assets (ROA) | 1.3713% | 956 |
| Pretax return on assets | 1.5914% | 960 |
| Return on Equity (ROE) | 13.4972% | 1,246 |
| Retained earnings to average equity (ytd only) | 9.2538% | 1,210 |
| Net charge-offs to loans | 0.0226% | 1,273 |
| Credit loss provision to net charge-offs | -272.2090% | 3,269 |
| Earnings coverage of net charge-offs (x) | 137.5629% | 687 |
| Efficiency ratio | 54.0045% | 3,965 |
| Assets per employee ($millions) | 8.4732% | 1,076 |
| Cash dividends to net income (ytd only)* | 31.4391% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 1,975 |
| Loan loss allowance to noncurrent loans | 295.2956% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 2,052 |
| Noncurrent loans to loans | 0.4558% | 1,750 |
| Net loans and leases to total assets | 50.6582% | 3,303 |
| Net loans and leases to deposits | 65.0432% | 2,636 |
| Net loans and leases to core deposits | 69.5063% | 2,522 |
| Total domestic deposits to total assets | 77.8840% | 4,359 |
| Equity capital to assets | 9.5788% | 1,952 |
| Core capital (leverage) ratio | 8.8543% | 3,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8319% | 2,133 |
| Memoranda: | ||
| Average total assets | $7,422,490,667 | 197 |
| Average earning assets | $6,816,178,667 | 196 |
| Average equity | $754,114,333 | 201 |
| Average total loans | $3,718,631,000 | 233 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0827% | 3,032 |
| Cost of funding earning assets | 0.1520% | 3,484 |
| Net interest margin | 2.9307% | 2,730 |
| Noninterest income to average assets | 0.7707% | 1,113 |
| Noninterest expense to average assets | 1.9852% | 3,464 |
| Loan and lease loss provision to assets | -0.0755% | 4,560 |
| Net operating income to assets | 1.3426% | 918 |
| Return on assets (ROA) | 1.3426% | 904 |
| Pretax return on assets | 1.5565% | 910 |
| Return on Equity (ROE) | 12.8364% | 1,080 |
| Retained earnings to average equity (ytd only) | 8.6718% | 1,379 |
| Net charge-offs to loans | 0.0150% | 1,243 |
| Credit loss provision to net charge-offs | -1,019.1176% | 3,275 |
| Earnings coverage of net charge-offs (x) | 200.0000% | 431 |
| Efficiency ratio | 55.3920% | 3,927 |
| Assets per employee ($millions) | 8.2356% | 1,236 |
| Cash dividends to net income (ytd only)* | 32.4438% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 1,788 |
| Loan loss allowance to noncurrent loans | 268.3772% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 1,927 |
| Noncurrent loans to loans | 0.5338% | 1,699 |
| Net loans and leases to total assets | 49.1262% | 3,263 |
| Net loans and leases to deposits | 61.1999% | 2,789 |
| Net loans and leases to core deposits | 65.2387% | 2,699 |
| Total domestic deposits to total assets | 80.2717% | 4,268 |
| Equity capital to assets | 10.1388% | 1,799 |
| Core capital (leverage) ratio | 8.8299% | 3,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2510% | 2,096 |
| Memoranda: | ||
| Average total assets | $7,346,236,000 | 200 |
| Average earning assets | $6,756,862,500 | 198 |
| Average equity | $768,375,000 | 200 |
| Average total loans | $3,633,091,500 | 239 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3337% | 3,102 |
| Cost of funding earning assets | 0.2091% | 3,377 |
| Net interest margin | 3.1247% | 2,825 |
| Noninterest income to average assets | 0.8676% | 1,286 |
| Noninterest expense to average assets | 2.1108% | 3,364 |
| Loan and lease loss provision to assets | -0.0317% | 4,280 |
| Net operating income to assets | 1.3879% | 1,318 |
| Return on assets (ROA) | 1.3998% | 1,332 |
| Pretax return on assets | 1.6542% | 1,260 |
| Return on Equity (ROE) | 12.9114% | 1,491 |
| Retained earnings to average equity (ytd only) | 9.9637% | 926 |
| Net charge-offs to loans | 0.0447% | 1,389 |
| Credit loss provision to net charge-offs | -126.9957% | 3,413 |
| Earnings coverage of net charge-offs (x) | 64.4174% | 1,133 |
| Efficiency ratio | 55.1735% | 3,800 |
| Assets per employee ($millions) | 8.1534% | 1,248 |
| Cash dividends to net income (ytd only)* | 22.8301% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,524 |
| Loan loss allowance to noncurrent loans | 324.2117% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 2,162 |
| Noncurrent loans to loans | 0.4650% | 1,971 |
| Net loans and leases to total assets | 48.3295% | 3,472 |
| Net loans and leases to deposits | 60.5517% | 3,029 |
| Net loans and leases to core deposits | 64.1375% | 2,972 |
| Total domestic deposits to total assets | 79.8152% | 4,239 |
| Equity capital to assets | 10.7808% | 1,947 |
| Core capital (leverage) ratio | 8.5224% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7521% | 1,946 |
| Memoranda: | ||
| Average total assets | $6,571,457,800 | 215 |
| Average earning assets | $5,997,557,000 | 214 |
| Average equity | $712,424,600 | 212 |
| Average total loans | $3,669,106,600 | 231 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3488% | 3,254 |
| Cost of funding earning assets | 0.2255% | 3,369 |
| Net interest margin | 3.1233% | 2,988 |
| Noninterest income to average assets | 0.9234% | 1,208 |
| Noninterest expense to average assets | 2.0800% | 3,418 |
| Loan and lease loss provision to assets | -0.0003% | 4,278 |
| Net operating income to assets | 1.4326% | 1,436 |
| Return on assets (ROA) | 1.4488% | 1,461 |
| Pretax return on assets | 1.7053% | 1,391 |
| Return on Equity (ROE) | 13.3427% | 1,600 |
| Retained earnings to average equity (ytd only) | 9.3010% | 1,573 |
| Net charge-offs to loans | 0.0083% | 2,005 |
| Credit loss provision to net charge-offs | -5.6522% | 3,045 |
| Earnings coverage of net charge-offs (x) | 350.7348% | 397 |
| Efficiency ratio | 53.7387% | 3,841 |
| Assets per employee ($millions) | 9.0586% | 876 |
| Cash dividends to net income (ytd only)* | 30.2917% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,465 |
| Loan loss allowance to noncurrent loans | 209.8573% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 1,854 |
| Noncurrent loans to loans | 0.7382% | 1,518 |
| Net loans and leases to total assets | 47.9889% | 3,631 |
| Net loans and leases to deposits | 59.1414% | 3,318 |
| Net loans and leases to core deposits | 62.3396% | 3,280 |
| Total domestic deposits to total assets | 81.1427% | 4,071 |
| Equity capital to assets | 9.4275% | 3,439 |
| Core capital (leverage) ratio | 8.3818% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9668% | 2,715 |
| Memoranda: | ||
| Average total assets | $6,379,804,250 | 221 |
| Average earning assets | $5,806,206,000 | 221 |
| Average equity | $692,755,500 | 215 |
| Average total loans | $3,686,198,500 | 231 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 2,904 |
| Cost of funding earning assets | 0.2556% | 3,236 |
| Net interest margin | 3.2397% | 2,639 |
| Noninterest income to average assets | 0.9380% | 1,179 |
| Noninterest expense to average assets | 2.1779% | 3,162 |
| Loan and lease loss provision to assets | -0.0375% | 4,484 |
| Net operating income to assets | 1.4717% | 1,368 |
| Return on assets (ROA) | 1.4976% | 1,362 |
| Pretax return on assets | 1.7624% | 1,323 |
| Return on Equity (ROE) | 13.0719% | 1,687 |
| Retained earnings to average equity (ytd only) | 8.9985% | 1,709 |
| Net charge-offs to loans | 0.0134% | 1,682 |
| Credit loss provision to net charge-offs | -455.4656% | 3,443 |
| Earnings coverage of net charge-offs (x) | 205.8138% | 488 |
| Efficiency ratio | 54.6964% | 3,716 |
| Assets per employee ($millions) | 7.5189% | 1,468 |
| Cash dividends to net income (ytd only)* | 31.1610% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 1,332 |
| Loan loss allowance to noncurrent loans | 264.2654% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 2,128 |
| Noncurrent loans to loans | 0.5971% | 1,910 |
| Net loans and leases to total assets | 56.9935% | 2,785 |
| Net loans and leases to deposits | 70.6854% | 2,339 |
| Net loans and leases to core deposits | 73.1381% | 2,504 |
| Total domestic deposits to total assets | 80.6299% | 4,138 |
| Equity capital to assets | 11.5349% | 1,609 |
| Core capital (leverage) ratio | 8.7889% | 3,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0864% | 2,338 |
| Memoranda: | ||
| Average total assets | $6,000,193,667 | 229 |
| Average earning assets | $5,434,592,333 | 233 |
| Average equity | $687,400,000 | 215 |
| Average total loans | $3,693,300,667 | 234 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5317% | 2,824 |
| Cost of funding earning assets | 0.2677% | 3,300 |
| Net interest margin | 3.2640% | 2,498 |
| Noninterest income to average assets | 0.8700% | 1,410 |
| Noninterest expense to average assets | 2.1563% | 3,247 |
| Loan and lease loss provision to assets | 0.0247% | 2,464 |
| Net operating income to assets | 1.3911% | 1,595 |
| Return on assets (ROA) | 1.4433% | 1,526 |
| Pretax return on assets | 1.7037% | 1,477 |
| Return on Equity (ROE) | 12.6423% | 1,770 |
| Retained earnings to average equity (ytd only) | 8.5237% | 2,088 |
| Net charge-offs to loans | 0.0220% | 1,294 |
| Credit loss provision to net charge-offs | 176.4423% | 931 |
| Earnings coverage of net charge-offs (x) | 119.3173% | 551 |
| Efficiency ratio | 54.8208% | 3,697 |
| Assets per employee ($millions) | 7.3247% | 1,575 |
| Cash dividends to net income (ytd only)* | 32.5778% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 1,405 |
| Loan loss allowance to noncurrent loans | 242.7250% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 2,144 |
| Noncurrent loans to loans | 0.6416% | 1,965 |
| Net loans and leases to total assets | 59.8957% | 2,551 |
| Net loans and leases to deposits | 74.5495% | 2,062 |
| Net loans and leases to core deposits | 78.0062% | 2,184 |
| Total domestic deposits to total assets | 80.3434% | 4,153 |
| Equity capital to assets | 11.2370% | 1,691 |
| Core capital (leverage) ratio | 8.8061% | 3,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8636% | 2,340 |
| Memoranda: | ||
| Average total assets | $5,955,123,000 | 232 |
| Average earning assets | $5,388,284,000 | 234 |
| Average equity | $679,842,000 | 217 |
| Average total loans | $3,776,577,500 | 232 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 2,460 |
| Cost of funding earning assets | 0.5964% | 2,339 |
| Net interest margin | 3.4906% | 2,502 |
| Noninterest income to average assets | 0.9876% | 1,066 |
| Noninterest expense to average assets | 2.3346% | 3,311 |
| Loan and lease loss provision to assets | 0.3711% | 885 |
| Net operating income to assets | 1.2361% | 1,427 |
| Return on assets (ROA) | 1.3030% | 1,338 |
| Pretax return on assets | 1.4946% | 1,347 |
| Return on Equity (ROE) | 11.0455% | 1,609 |
| Retained earnings to average equity (ytd only) | 1.9489% | 3,850 |
| Net charge-offs to loans | 0.0484% | 2,104 |
| Credit loss provision to net charge-offs | 1,113.2511% | 723 |
| Earnings coverage of net charge-offs (x) | 53.6599% | 1,138 |
| Efficiency ratio | 54.9563% | 4,096 |
| Assets per employee ($millions) | 7.1468% | 1,481 |
| Cash dividends to net income (ytd only)* | 82.3554% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 1,691 |
| Loan loss allowance to noncurrent loans | 197.1206% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 1,978 |
| Noncurrent loans to loans | 0.7454% | 1,837 |
| Net loans and leases to total assets | 65.0912% | 2,213 |
| Net loans and leases to deposits | 82.0899% | 1,653 |
| Net loans and leases to core deposits | 86.4839% | 1,828 |
| Total domestic deposits to total assets | 79.2926% | 4,166 |
| Equity capital to assets | 11.6001% | 1,810 |
| Core capital (leverage) ratio | 8.7058% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2087% | 2,866 |
| Memoranda: | ||
| Average total assets | $5,591,287,600 | 230 |
| Average earning assets | $5,023,038,600 | 233 |
| Average equity | $659,592,000 | 214 |
| Average total loans | $3,854,621,600 | 227 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 2,698 |
| Cost of funding earning assets | 0.5861% | 2,701 |
| Net interest margin | 3.5049% | 2,575 |
| Noninterest income to average assets | 0.9204% | 1,171 |
| Noninterest expense to average assets | 2.2921% | 3,442 |
| Loan and lease loss provision to assets | 0.4277% | 782 |
| Net operating income to assets | 1.1532% | 1,811 |
| Return on assets (ROA) | 1.1880% | 1,801 |
| Pretax return on assets | 1.3877% | 1,775 |
| Return on Equity (ROE) | 10.0258% | 2,013 |
| Retained earnings to average equity (ytd only) | -0.7772% | 4,591 |
| Net charge-offs to loans | 0.0567% | 1,802 |
| Credit loss provision to net charge-offs | 1,083.1193% | 791 |
| Earnings coverage of net charge-offs (x) | 44.9492% | 1,270 |
| Efficiency ratio | 54.6884% | 4,076 |
| Assets per employee ($millions) | 7.0523% | 1,465 |
| Cash dividends to net income (ytd only)* | 107.7520% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 1,760 |
| Loan loss allowance to noncurrent loans | 205.0349% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 2,149 |
| Noncurrent loans to loans | 0.6793% | 2,094 |
| Net loans and leases to total assets | 69.0302% | 2,107 |
| Net loans and leases to deposits | 89.3399% | 1,338 |
| Net loans and leases to core deposits | 95.1719% | 1,533 |
| Total domestic deposits to total assets | 77.2670% | 4,291 |
| Equity capital to assets | 11.4324% | 2,062 |
| Core capital (leverage) ratio | 8.5650% | 4,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5564% | 3,016 |
| Memoranda: | ||
| Average total assets | $5,520,441,750 | 230 |
| Average earning assets | $4,956,275,750 | 231 |
| Average equity | $654,123,250 | 213 |
| Average total loans | $3,848,046,750 | 227 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 2,814 |
| Cost of funding earning assets | 0.6779% | 2,511 |
| Net interest margin | 3.5056% | 2,767 |
| Noninterest income to average assets | 0.8278% | 1,355 |
| Noninterest expense to average assets | 2.2711% | 3,598 |
| Loan and lease loss provision to assets | 0.5761% | 566 |
| Net operating income to assets | 0.9881% | 2,370 |
| Return on assets (ROA) | 1.0071% | 2,421 |
| Pretax return on assets | 1.1457% | 2,563 |
| Return on Equity (ROE) | 8.3947% | 2,601 |
| Retained earnings to average equity (ytd only) | -5.7145% | 4,801 |
| Net charge-offs to loans | 0.0429% | 1,888 |
| Credit loss provision to net charge-offs | 1,930.4562% | 498 |
| Earnings coverage of net charge-offs (x) | 56.9741% | 1,007 |
| Efficiency ratio | 55.4296% | 4,012 |
| Assets per employee ($millions) | 7.0209% | 1,424 |
| Cash dividends to net income (ytd only)* | 168.0734% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3792% | 1,657 |
| Loan loss allowance to noncurrent loans | 211.5916% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5002% | 2,337 |
| Noncurrent loans to loans | 0.6518% | 2,229 |
| Net loans and leases to total assets | 68.7581% | 2,220 |
| Net loans and leases to deposits | 88.8627% | 1,468 |
| Net loans and leases to core deposits | 95.9870% | 1,582 |
| Total domestic deposits to total assets | 77.3756% | 4,267 |
| Equity capital to assets | 11.2296% | 2,161 |
| Core capital (leverage) ratio | 8.4759% | 4,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7445% | 3,035 |
| Memoranda: | ||
| Average total assets | $5,435,297,667 | 230 |
| Average earning assets | $4,873,974,000 | 232 |
| Average equity | $652,057,667 | 213 |
| Average total loans | $3,782,922,667 | 228 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 2,743 |
| Cost of funding earning assets | 0.8403% | 2,170 |
| Net interest margin | 3.5213% | 2,908 |
| Noninterest income to average assets | 0.8788% | 1,112 |
| Noninterest expense to average assets | 2.3473% | 3,665 |
| Loan and lease loss provision to assets | 0.6505% | 411 |
| Net operating income to assets | 0.9067% | 2,502 |
| Return on assets (ROA) | 0.9294% | 2,529 |
| Pretax return on assets | 1.0593% | 2,641 |
| Return on Equity (ROE) | 7.4874% | 2,737 |
| Retained earnings to average equity (ytd only) | 0.1749% | 3,947 |
| Net charge-offs to loans | 0.0439% | 1,592 |
| Credit loss provision to net charge-offs | 2,128.7129% | 327 |
| Earnings coverage of net charge-offs (x) | 55.1114% | 841 |
| Efficiency ratio | 56.4345% | 4,169 |
| Assets per employee ($millions) | 6.5047% | 1,338 |
| Cash dividends to net income (ytd only)* | 97.6642% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 2,129 |
| Loan loss allowance to noncurrent loans | 221.3287% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4623% | 2,621 |
| Noncurrent loans to loans | 0.5894% | 2,531 |
| Net loans and leases to total assets | 68.6298% | 2,446 |
| Net loans and leases to deposits | 93.4825% | 1,125 |
| Net loans and leases to core deposits | 103.8423% | 1,197 |
| Total domestic deposits to total assets | 73.4146% | 4,695 |
| Equity capital to assets | 12.1790% | 1,936 |
| Core capital (leverage) ratio | 9.4285% | 4,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7343% | 2,833 |
| Memoranda: | ||
| Average total assets | $5,288,407,000 | 230 |
| Average earning assets | $4,734,776,500 | 230 |
| Average equity | $656,410,500 | 214 |
| Average total loans | $3,677,236,500 | 231 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 2,383 |
| Cost of funding earning assets | 0.9963% | 1,738 |
| Net interest margin | 3.6838% | 2,854 |
| Noninterest income to average assets | 0.8693% | 1,249 |
| Noninterest expense to average assets | 2.4475% | 3,578 |
| Loan and lease loss provision to assets | 0.0398% | 3,220 |
| Net operating income to assets | 1.4043% | 1,330 |
| Return on assets (ROA) | 1.4030% | 1,408 |
| Pretax return on assets | 1.6839% | 1,236 |
| Return on Equity (ROE) | 11.2996% | 1,773 |
| Retained earnings to average equity (ytd only) | 3.9957% | 2,966 |
| Net charge-offs to loans | 0.0604% | 2,238 |
| Credit loss provision to net charge-offs | 92.8135% | 2,616 |
| Earnings coverage of net charge-offs (x) | 40.2081% | 1,312 |
| Efficiency ratio | 56.9499% | 4,097 |
| Assets per employee ($millions) | 6.5455% | 1,261 |
| Cash dividends to net income (ytd only)* | 64.6385% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4852% | 4,905 |
| Loan loss allowance to noncurrent loans | 99.0803% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 2,747 |
| Noncurrent loans to loans | 0.4897% | 2,716 |
| Net loans and leases to total assets | 69.1935% | 2,517 |
| Net loans and leases to deposits | 90.9919% | 1,484 |
| Net loans and leases to core deposits | 102.6086% | 1,347 |
| Total domestic deposits to total assets | 76.0436% | 4,592 |
| Equity capital to assets | 12.6502% | 1,735 |
| Core capital (leverage) ratio | 9.4899% | 4,076 |
| Tier 1 risk-based capital ratio | 12.2017% | 4,240 |
| Total risk-based capital ratio | 12.6526% | 4,556 |
| Memoranda: | ||
| Average total assets | $4,961,955,400 | 228 |
| Average earning assets | $4,449,583,800 | 232 |
| Average equity | $616,109,200 | 219 |
| Average total loans | $3,522,774,800 | 229 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 2,404 |
| Cost of funding earning assets | 1.0114% | 1,713 |
| Net interest margin | 3.6934% | 2,942 |
| Noninterest income to average assets | 0.8504% | 1,274 |
| Noninterest expense to average assets | 2.4790% | 3,495 |
| Loan and lease loss provision to assets | 0.0446% | 3,018 |
| Net operating income to assets | 1.3706% | 1,573 |
| Return on assets (ROA) | 1.3687% | 1,644 |
| Pretax return on assets | 1.6370% | 1,503 |
| Return on Equity (ROE) | 11.0785% | 1,990 |
| Retained earnings to average equity (ytd only) | 1.1537% | 4,524 |
| Net charge-offs to loans | 0.0573% | 2,011 |
| Credit loss provision to net charge-offs | 109.0667% | 2,107 |
| Earnings coverage of net charge-offs (x) | 41.2013% | 1,351 |
| Efficiency ratio | 57.8800% | 3,953 |
| Assets per employee ($millions) | 6.4541% | 1,295 |
| Cash dividends to net income (ytd only)* | 89.5861% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4896% | 4,986 |
| Loan loss allowance to noncurrent loans | 114.6323% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 2,985 |
| Noncurrent loans to loans | 0.4271% | 3,026 |
| Net loans and leases to total assets | 70.3341% | 2,420 |
| Net loans and leases to deposits | 91.8634% | 1,451 |
| Net loans and leases to core deposits | 103.8369% | 1,338 |
| Total domestic deposits to total assets | 76.5638% | 4,581 |
| Equity capital to assets | 12.3980% | 1,983 |
| Core capital (leverage) ratio | 9.3469% | 4,332 |
| Tier 1 risk-based capital ratio | 11.6233% | 4,606 |
| Total risk-based capital ratio | 12.0793% | 4,883 |
| Memoranda: | ||
| Average total assets | $4,893,340,000 | 232 |
| Average earning assets | $4,388,841,250 | 237 |
| Average equity | $604,532,500 | 224 |
| Average total loans | $3,493,236,250 | 231 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 2,662 |
| Cost of funding earning assets | 1.0176% | 1,614 |
| Net interest margin | 3.5876% | 3,302 |
| Noninterest income to average assets | 0.8216% | 1,278 |
| Noninterest expense to average assets | 2.5479% | 3,335 |
| Loan and lease loss provision to assets | 0.0526% | 2,769 |
| Net operating income to assets | 1.2063% | 2,128 |
| Return on assets (ROA) | 1.2033% | 2,197 |
| Pretax return on assets | 1.4403% | 2,064 |
| Return on Equity (ROE) | 9.7523% | 2,504 |
| Retained earnings to average equity (ytd only) | 2.9909% | 3,721 |
| Net charge-offs to loans | 0.0451% | 2,007 |
| Credit loss provision to net charge-offs | 162.5806% | 1,405 |
| Earnings coverage of net charge-offs (x) | 46.2890% | 1,152 |
| Efficiency ratio | 61.4072% | 3,521 |
| Assets per employee ($millions) | 6.2853% | 1,345 |
| Cash dividends to net income (ytd only)* | 69.3313% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4991% | 5,019 |
| Loan loss allowance to noncurrent loans | 109.0102% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 2,888 |
| Noncurrent loans to loans | 0.4578% | 2,909 |
| Net loans and leases to total assets | 71.5961% | 2,265 |
| Net loans and leases to deposits | 91.9126% | 1,495 |
| Net loans and leases to core deposits | 103.4586% | 1,431 |
| Total domestic deposits to total assets | 77.8958% | 4,414 |
| Equity capital to assets | 12.6485% | 1,778 |
| Core capital (leverage) ratio | 9.5223% | 4,119 |
| Tier 1 risk-based capital ratio | 11.7623% | 4,538 |
| Total risk-based capital ratio | 12.2292% | 4,835 |
| Memoranda: | ||
| Average total assets | $4,794,743,330 | 238 |
| Average earning assets | $4,307,039,670 | 239 |
| Average equity | $591,593,330 | 226 |
| Average total loans | $3,435,086,670 | 236 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 3,428 |
| Cost of funding earning assets | 1.0042% | 1,551 |
| Net interest margin | 3.3375% | 4,067 |
| Noninterest income to average assets | 0.7492% | 1,435 |
| Noninterest expense to average assets | 2.5564% | 3,352 |
| Loan and lease loss provision to assets | 0.0314% | 2,994 |
| Net operating income to assets | 0.9750% | 2,949 |
| Return on assets (ROA) | 0.9761% | 2,986 |
| Pretax return on assets | 1.1659% | 2,919 |
| Return on Equity (ROE) | 8.0217% | 3,253 |
| Retained earnings to average equity (ytd only) | 0.9423% | 4,321 |
| Net charge-offs to loans | 0.0438% | 1,648 |
| Credit loss provision to net charge-offs | 100.2755% | 1,571 |
| Earnings coverage of net charge-offs (x) | 38.2452% | 1,179 |
| Efficiency ratio | 67.3776% | 2,728 |
| Assets per employee ($millions) | 6.6651% | 1,164 |
| Cash dividends to net income (ytd only)* | 88.2535% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4919% | 5,087 |
| Loan loss allowance to noncurrent loans | 105.6873% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4060% | 2,961 |
| Noncurrent loans to loans | 0.4654% | 2,918 |
| Net loans and leases to total assets | 71.4544% | 2,263 |
| Net loans and leases to deposits | 91.9571% | 1,408 |
| Net loans and leases to core deposits | 103.6090% | 1,343 |
| Total domestic deposits to total assets | 77.7040% | 4,567 |
| Equity capital to assets | 12.4945% | 1,737 |
| Core capital (leverage) ratio | 10.9884% | 2,586 |
| Tier 1 risk-based capital ratio | 11.8352% | 4,545 |
| Total risk-based capital ratio | 12.3014% | 4,856 |
| Memoranda: | ||
| Average total assets | $4,643,407,500 | 245 |
| Average earning assets | $4,178,263,000 | 243 |
| Average equity | $565,018,000 | 231 |
| Average total loans | $3,318,703,000 | 241 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 2,380 |
| Cost of funding earning assets | 0.7937% | 1,554 |
| Net interest margin | 3.7332% | 2,927 |
| Noninterest income to average assets | 0.8558% | 1,297 |
| Noninterest expense to average assets | 2.5037% | 3,600 |
| Loan and lease loss provision to assets | 0.0714% | 2,708 |
| Net operating income to assets | 1.3673% | 1,542 |
| Return on assets (ROA) | 1.3583% | 1,568 |
| Pretax return on assets | 1.6336% | 1,366 |
| Return on Equity (ROE) | 11.1759% | 2,014 |
| Retained earnings to average equity (ytd only) | 2.0847% | 4,323 |
| Net charge-offs to loans | 0.0507% | 2,429 |
| Credit loss provision to net charge-offs | 196.3514% | 1,469 |
| Earnings coverage of net charge-offs (x) | 47.2169% | 1,173 |
| Efficiency ratio | 58.1653% | 4,138 |
| Assets per employee ($millions) | 5.9237% | 1,572 |
| Cash dividends to net income (ytd only)* | 81.3464% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5912% | 4,983 |
| Loan loss allowance to noncurrent loans | 135.2664% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.3584% | 3,110 |
| Noncurrent loans to loans | 0.4370% | 2,970 |
| Net loans and leases to total assets | 70.6511% | 2,472 |
| Net loans and leases to deposits | 94.5275% | 1,226 |
| Net loans and leases to core deposits | 106.9495% | 1,200 |
| Total domestic deposits to total assets | 74.7413% | 4,897 |
| Equity capital to assets | 11.7800% | 2,046 |
| Core capital (leverage) ratio | 9.3367% | 4,318 |
| Tier 1 risk-based capital ratio | 11.8675% | 4,523 |
| Total risk-based capital ratio | 12.4268% | 4,787 |
| Memoranda: | ||
| Average total assets | $4,072,753,200 | 264 |
| Average earning assets | $3,669,625,200 | 264 |
| Average equity | $494,983,800 | 248 |
| Average total loans | $2,919,021,200 | 257 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 2,327 |
| Cost of funding earning assets | 0.7284% | 1,693 |
| Net interest margin | 3.7661% | 2,767 |
| Noninterest income to average assets | 0.8616% | 1,306 |
| Noninterest expense to average assets | 2.5128% | 3,549 |
| Loan and lease loss provision to assets | 0.0787% | 2,378 |
| Net operating income to assets | 1.3782% | 1,561 |
| Return on assets (ROA) | 1.3751% | 1,578 |
| Pretax return on assets | 1.6592% | 1,384 |
| Return on Equity (ROE) | 11.2237% | 2,080 |
| Retained earnings to average equity (ytd only) | 3.1239% | 4,187 |
| Net charge-offs to loans | 0.0449% | 2,201 |
| Credit loss provision to net charge-offs | 244.1478% | 1,202 |
| Earnings coverage of net charge-offs (x) | 54.0536% | 1,125 |
| Efficiency ratio | 57.8765% | 4,146 |
| Assets per employee ($millions) | 5.8590% | 1,599 |
| Cash dividends to net income (ytd only)* | 72.1674% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6014% | 5,042 |
| Loan loss allowance to noncurrent loans | 140.3849% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 3,228 |
| Noncurrent loans to loans | 0.4284% | 3,122 |
| Net loans and leases to total assets | 71.1134% | 2,475 |
| Net loans and leases to deposits | 93.4087% | 1,447 |
| Net loans and leases to core deposits | 109.2252% | 1,087 |
| Total domestic deposits to total assets | 76.1314% | 4,775 |
| Equity capital to assets | 11.9904% | 1,913 |
| Core capital (leverage) ratio | 9.5296% | 4,138 |
| Tier 1 risk-based capital ratio | 12.0915% | 4,454 |
| Total risk-based capital ratio | 12.6596% | 4,725 |
| Memoranda: | ||
| Average total assets | $4,030,607,750 | 264 |
| Average earning assets | $3,631,028,250 | 265 |
| Average equity | $493,822,000 | 242 |
| Average total loans | $2,895,184,000 | 257 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4548% | 2,241 |
| Cost of funding earning assets | 0.6640% | 1,844 |
| Net interest margin | 3.7908% | 2,593 |
| Noninterest income to average assets | 0.8630% | 1,283 |
| Noninterest expense to average assets | 2.5287% | 3,552 |
| Loan and lease loss provision to assets | 0.0602% | 2,698 |
| Net operating income to assets | 1.3947% | 1,462 |
| Return on assets (ROA) | 1.3951% | 1,461 |
| Pretax return on assets | 1.6887% | 1,246 |
| Return on Equity (ROE) | 11.3039% | 1,989 |
| Retained earnings to average equity (ytd only) | 3.1920% | 3,971 |
| Net charge-offs to loans | 0.0365% | 2,122 |
| Credit loss provision to net charge-offs | 228.9524% | 1,197 |
| Earnings coverage of net charge-offs (x) | 66.5238% | 937 |
| Efficiency ratio | 57.9021% | 4,248 |
| Assets per employee ($millions) | 5.6987% | 1,719 |
| Cash dividends to net income (ytd only)* | 71.7618% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5831% | 5,130 |
| Loan loss allowance to noncurrent loans | 126.6489% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,119 |
| Noncurrent loans to loans | 0.4604% | 3,055 |
| Net loans and leases to total assets | 71.6302% | 2,337 |
| Net loans and leases to deposits | 96.0250% | 1,134 |
| Net loans and leases to core deposits | 107.0219% | 1,178 |
| Total domestic deposits to total assets | 74.5953% | 4,991 |
| Equity capital to assets | 12.1774% | 1,733 |
| Core capital (leverage) ratio | 9.6450% | 3,949 |
| Tier 1 risk-based capital ratio | 12.2120% | 4,366 |
| Total risk-based capital ratio | 12.7688% | 4,674 |
| Memoranda: | ||
| Average total assets | $3,995,328,330 | 264 |
| Average earning assets | $3,598,137,000 | 263 |
| Average equity | $493,104,000 | 239 |
| Average total loans | $2,873,790,000 | 257 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 2,111 |
| Cost of funding earning assets | 0.6014% | 2,048 |
| Net interest margin | 3.8234% | 2,323 |
| Noninterest income to average assets | 0.8389% | 1,333 |
| Noninterest expense to average assets | 2.5967% | 3,340 |
| Loan and lease loss provision to assets | 0.0573% | 2,628 |
| Net operating income to assets | 1.3409% | 1,509 |
| Return on assets (ROA) | 1.3418% | 1,520 |
| Pretax return on assets | 1.6252% | 1,317 |
| Return on Equity (ROE) | 10.7983% | 2,046 |
| Retained earnings to average equity (ytd only) | 2.6726% | 4,111 |
| Net charge-offs to loans | 0.0684% | 1,425 |
| Credit loss provision to net charge-offs | 116.4271% | 1,407 |
| Earnings coverage of net charge-offs (x) | 34.1910% | 1,162 |
| Efficiency ratio | 59.3821% | 4,152 |
| Assets per employee ($millions) | 5.7207% | 1,745 |
| Cash dividends to net income (ytd only)* | 75.2502% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5763% | 5,226 |
| Loan loss allowance to noncurrent loans | 125.1729% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 3,435 |
| Noncurrent loans to loans | 0.4604% | 3,153 |
| Net loans and leases to total assets | 71.6941% | 2,223 |
| Net loans and leases to deposits | 96.4777% | 980 |
| Net loans and leases to core deposits | 106.3913% | 1,208 |
| Total domestic deposits to total assets | 74.3116% | 5,121 |
| Equity capital to assets | 12.3798% | 1,563 |
| Core capital (leverage) ratio | 9.6559% | 3,900 |
| Tier 1 risk-based capital ratio | 12.3210% | 4,362 |
| Total risk-based capital ratio | 12.8742% | 4,683 |
| Memoranda: | ||
| Average total assets | $3,961,414,500 | 262 |
| Average earning assets | $3,563,307,500 | 263 |
| Average equity | $492,263,500 | 244 |
| Average total loans | $2,846,927,000 | 259 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2055% | 2,670 |
| Cost of funding earning assets | 0.4450% | 2,824 |
| Net interest margin | 3.7605% | 2,559 |
| Noninterest income to average assets | 0.9532% | 1,131 |
| Noninterest expense to average assets | 2.7626% | 2,913 |
| Loan and lease loss provision to assets | 0.0723% | 2,763 |
| Net operating income to assets | 1.0174% | 2,167 |
| Return on assets (ROA) | 1.0182% | 2,198 |
| Pretax return on assets | 1.4809% | 1,715 |
| Return on Equity (ROE) | 8.3473% | 2,629 |
| Retained earnings to average equity (ytd only) | 2.1088% | 4,054 |
| Net charge-offs to loans | 0.0386% | 3,026 |
| Credit loss provision to net charge-offs | 270.5367% | 1,036 |
| Earnings coverage of net charge-offs (x) | 58.0854% | 977 |
| Efficiency ratio | 62.9938% | 3,777 |
| Assets per employee ($millions) | 5.6467% | 1,795 |
| Cash dividends to net income (ytd only)* | 74.7363% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5783% | 5,282 |
| Loan loss allowance to noncurrent loans | 113.4062% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 3,323 |
| Noncurrent loans to loans | 0.5099% | 2,986 |
| Net loans and leases to total assets | 71.2086% | 2,349 |
| Net loans and leases to deposits | 97.3856% | 953 |
| Net loans and leases to core deposits | 102.3047% | 1,540 |
| Total domestic deposits to total assets | 73.1203% | 5,247 |
| Equity capital to assets | 12.4732% | 1,531 |
| Core capital (leverage) ratio | 9.8934% | 3,591 |
| Tier 1 risk-based capital ratio | 12.2941% | 4,334 |
| Total risk-based capital ratio | 12.8460% | 4,680 |
| Memoranda: | ||
| Average total assets | $3,416,805,000 | 281 |
| Average earning assets | $3,054,275,200 | 280 |
| Average equity | $416,767,800 | 260 |
| Average total loans | $2,365,759,600 | 280 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1707% | 2,712 |
| Cost of funding earning assets | 0.4093% | 3,096 |
| Net interest margin | 3.7615% | 2,536 |
| Noninterest income to average assets | 0.9651% | 1,104 |
| Noninterest expense to average assets | 2.7760% | 2,808 |
| Loan and lease loss provision to assets | 0.0557% | 2,975 |
| Net operating income to assets | 1.0909% | 2,124 |
| Return on assets (ROA) | 1.0920% | 2,178 |
| Pretax return on assets | 1.4947% | 1,785 |
| Return on Equity (ROE) | 9.0142% | 2,589 |
| Retained earnings to average equity (ytd only) | 2.6416% | 4,315 |
| Net charge-offs to loans | 0.0368% | 2,702 |
| Credit loss provision to net charge-offs | 220.6119% | 1,254 |
| Earnings coverage of net charge-offs (x) | 61.3832% | 978 |
| Efficiency ratio | 63.1535% | 3,684 |
| Assets per employee ($millions) | 5.3255% | 2,091 |
| Cash dividends to net income (ytd only)* | 70.6950% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6415% | 5,250 |
| Loan loss allowance to noncurrent loans | 136.5396% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 3,525 |
| Noncurrent loans to loans | 0.4699% | 3,288 |
| Net loans and leases to total assets | 68.6764% | 2,746 |
| Net loans and leases to deposits | 92.0731% | 1,558 |
| Net loans and leases to core deposits | 97.6137% | 1,915 |
| Total domestic deposits to total assets | 74.5890% | 5,174 |
| Equity capital to assets | 12.0942% | 1,902 |
| Core capital (leverage) ratio | 9.9011% | 3,695 |
| Tier 1 risk-based capital ratio | 12.3317% | 4,421 |
| Total risk-based capital ratio | 12.9270% | 4,733 |
| Memoranda: | ||
| Average total assets | $3,281,416,250 | 288 |
| Average earning assets | $2,930,916,500 | 289 |
| Average equity | $397,526,250 | 269 |
| Average total loans | $2,248,427,500 | 288 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 2,595 |
| Cost of funding earning assets | 0.3841% | 3,247 |
| Net interest margin | 3.7833% | 2,349 |
| Noninterest income to average assets | 0.9825% | 1,062 |
| Noninterest expense to average assets | 2.7406% | 2,956 |
| Loan and lease loss provision to assets | 0.0412% | 3,181 |
| Net operating income to assets | 1.1435% | 1,808 |
| Return on assets (ROA) | 1.1449% | 1,853 |
| Pretax return on assets | 1.5818% | 1,400 |
| Return on Equity (ROE) | 9.4448% | 2,298 |
| Retained earnings to average equity (ytd only) | 3.2647% | 3,776 |
| Net charge-offs to loans | 0.0430% | 2,332 |
| Credit loss provision to net charge-offs | 140.4255% | 1,591 |
| Earnings coverage of net charge-offs (x) | 55.2447% | 1,004 |
| Efficiency ratio | 61.7815% | 4,029 |
| Assets per employee ($millions) | 4.6409% | 2,877 |
| Cash dividends to net income (ytd only)* | 65.4343% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6616% | 5,279 |
| Loan loss allowance to noncurrent loans | 143.3737% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 3,576 |
| Noncurrent loans to loans | 0.4614% | 3,360 |
| Net loans and leases to total assets | 68.0956% | 2,805 |
| Net loans and leases to deposits | 92.7272% | 1,397 |
| Net loans and leases to core deposits | 97.6424% | 1,840 |
| Total domestic deposits to total assets | 73.4365% | 5,338 |
| Equity capital to assets | 11.8693% | 2,026 |
| Core capital (leverage) ratio | 9.7682% | 3,816 |
| Tier 1 risk-based capital ratio | 12.6874% | 4,190 |
| Total risk-based capital ratio | 13.3068% | 4,474 |
| Memoranda: | ||
| Average total assets | $3,203,613,000 | 295 |
| Average earning assets | $2,861,363,330 | 294 |
| Average equity | $388,338,670 | 275 |
| Average total loans | $2,188,089,670 | 296 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1146% | 2,599 |
| Cost of funding earning assets | 0.3641% | 3,371 |
| Net interest margin | 3.7505% | 2,306 |
| Noninterest income to average assets | 0.9561% | 1,088 |
| Noninterest expense to average assets | 2.7352% | 3,013 |
| Loan and lease loss provision to assets | 0.0419% | 2,964 |
| Net operating income to assets | 1.1051% | 1,848 |
| Return on assets (ROA) | 1.1083% | 1,874 |
| Pretax return on assets | 1.5213% | 1,468 |
| Return on Equity (ROE) | 9.0438% | 2,396 |
| Retained earnings to average equity (ytd only) | 3.8605% | 3,524 |
| Net charge-offs to loans | 0.0211% | 2,360 |
| Credit loss provision to net charge-offs | 292.0354% | 803 |
| Earnings coverage of net charge-offs (x) | 108.5841% | 500 |
| Efficiency ratio | 62.6095% | 4,056 |
| Assets per employee ($millions) | 4.9284% | 2,540 |
| Cash dividends to net income (ytd only)* | 57.3132% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 5,307 |
| Loan loss allowance to noncurrent loans | 183.9443% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 3,796 |
| Noncurrent loans to loans | 0.3809% | 3,732 |
| Net loans and leases to total assets | 67.4352% | 2,755 |
| Net loans and leases to deposits | 86.9487% | 1,920 |
| Net loans and leases to core deposits | 94.0922% | 1,981 |
| Total domestic deposits to total assets | 77.5575% | 5,033 |
| Equity capital to assets | 12.2754% | 1,671 |
| Core capital (leverage) ratio | 10.1261% | 3,343 |
| Tier 1 risk-based capital ratio | 13.2213% | 3,929 |
| Total risk-based capital ratio | 13.8731% | 4,219 |
| Memoranda: | ||
| Average total assets | $3,148,611,000 | 299 |
| Average earning assets | $2,802,217,000 | 300 |
| Average equity | $385,856,000 | 275 |
| Average total loans | $2,146,407,500 | 304 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0569% | 2,998 |
| Cost of funding earning assets | 0.6918% | 846 |
| Net interest margin | 3.3651% | 3,939 |
| Noninterest income to average assets | 1.2339% | 747 |
| Noninterest expense to average assets | 3.0606% | 2,138 |
| Loan and lease loss provision to assets | 0.0630% | 3,120 |
| Net operating income to assets | 0.8402% | 3,109 |
| Return on assets (ROA) | 0.8867% | 3,011 |
| Pretax return on assets | 1.1928% | 2,703 |
| Return on Equity (ROE) | 7.8934% | 3,002 |
| Retained earnings to average equity (ytd only) | 2.1114% | 4,331 |
| Net charge-offs to loans | 0.0788% | 2,560 |
| Credit loss provision to net charge-offs | 119.6881% | 2,215 |
| Earnings coverage of net charge-offs (x) | 22.6764% | 1,718 |
| Efficiency ratio | 70.9598% | 2,756 |
| Assets per employee ($millions) | 5.2925% | 2,069 |
| Cash dividends to net income (ytd only)* | 73.2516% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 5,374 |
| Loan loss allowance to noncurrent loans | 161.4297% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 3,687 |
| Noncurrent loans to loans | 0.4287% | 3,604 |
| Net loans and leases to total assets | 67.9580% | 2,774 |
| Net loans and leases to deposits | 85.8282% | 2,199 |
| Net loans and leases to core deposits | 91.4227% | 2,353 |
| Total domestic deposits to total assets | 79.1790% | 4,756 |
| Equity capital to assets | 12.2340% | 1,667 |
| Core capital (leverage) ratio | 9.9306% | 3,591 |
| Tier 1 risk-based capital ratio | 13.3308% | 3,879 |
| Total risk-based capital ratio | 13.9810% | 4,141 |
| Memoranda: | ||
| Average total assets | $2,925,284,000 | 301 |
| Average earning assets | $2,625,054,400 | 302 |
| Average equity | $328,601,600 | 301 |
| Average total loans | $1,953,577,200 | 308 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 3,309 |
| Cost of funding earning assets | 0.5366% | 1,820 |
| Net interest margin | 3.4388% | 3,710 |
| Noninterest income to average assets | 1.2472% | 746 |
| Noninterest expense to average assets | 3.0680% | 2,105 |
| Loan and lease loss provision to assets | 0.0566% | 3,111 |
| Net operating income to assets | 0.8844% | 2,986 |
| Return on assets (ROA) | 0.9140% | 2,966 |
| Pretax return on assets | 1.2587% | 2,581 |
| Return on Equity (ROE) | 8.3396% | 2,836 |
| Retained earnings to average equity (ytd only) | 3.2591% | 3,954 |
| Net charge-offs to loans | 0.0860% | 2,104 |
| Credit loss provision to net charge-offs | 99.1863% | 2,397 |
| Earnings coverage of net charge-offs (x) | 22.3506% | 1,764 |
| Efficiency ratio | 69.7626% | 2,921 |
| Assets per employee ($millions) | 5.8356% | 1,552 |
| Cash dividends to net income (ytd only)* | 60.9199% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 5,507 |
| Loan loss allowance to noncurrent loans | 88.1097% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6113% | 3,073 |
| Noncurrent loans to loans | 0.7500% | 2,795 |
| Net loans and leases to total assets | 65.9873% | 3,123 |
| Net loans and leases to deposits | 93.1851% | 1,349 |
| Net loans and leases to core deposits | 98.7404% | 1,749 |
| Total domestic deposits to total assets | 70.8132% | 5,653 |
| Equity capital to assets | 11.7219% | 2,324 |
| Core capital (leverage) ratio | 9.6495% | 3,996 |
| Tier 1 risk-based capital ratio | 12.7295% | 4,325 |
| Total risk-based capital ratio | 13.3447% | 4,639 |
| Memoranda: | ||
| Average total assets | $2,873,313,500 | 305 |
| Average earning assets | $2,586,433,000 | 307 |
| Average equity | $314,923,750 | 314 |
| Average total loans | $1,905,953,250 | 311 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9146% | 3,560 |
| Cost of funding earning assets | 0.5305% | 1,868 |
| Net interest margin | 3.3841% | 3,950 |
| Noninterest income to average assets | 1.2340% | 745 |
| Noninterest expense to average assets | 3.0134% | 2,303 |
| Loan and lease loss provision to assets | 0.0560% | 3,024 |
| Net operating income to assets | 0.8777% | 2,977 |
| Return on assets (ROA) | 0.9239% | 2,886 |
| Pretax return on assets | 1.2813% | 2,481 |
| Return on Equity (ROE) | 8.6733% | 2,653 |
| Retained earnings to average equity (ytd only) | 5.2323% | 2,589 |
| Net charge-offs to loans | 0.1185% | 1,648 |
| Credit loss provision to net charge-offs | 71.2687% | 2,467 |
| Earnings coverage of net charge-offs (x) | 16.2006% | 1,940 |
| Efficiency ratio | 69.3529% | 3,085 |
| Assets per employee ($millions) | 5.1289% | 2,164 |
| Cash dividends to net income (ytd only)* | 39.6731% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7312% | 5,451 |
| Loan loss allowance to noncurrent loans | 119.3757% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.5281% | 3,447 |
| Noncurrent loans to loans | 0.6125% | 3,234 |
| Net loans and leases to total assets | 66.2984% | 3,041 |
| Net loans and leases to deposits | 92.5122% | 1,448 |
| Net loans and leases to core deposits | 101.6736% | 1,495 |
| Total domestic deposits to total assets | 71.6645% | 5,686 |
| Equity capital to assets | 10.6246% | 3,503 |
| Core capital (leverage) ratio | 9.1786% | 4,627 |
| Tier 1 risk-based capital ratio | 11.7659% | 4,999 |
| Total risk-based capital ratio | 12.4548% | 5,228 |
| Memoranda: | ||
| Average total assets | $2,728,163,670 | 317 |
| Average earning assets | $2,460,881,000 | 317 |
| Average equity | $290,615,330 | 327 |
| Average total loans | $1,808,641,670 | 326 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9567% | 3,376 |
| Cost of funding earning assets | 0.5467% | 1,744 |
| Net interest margin | 3.4100% | 3,839 |
| Noninterest income to average assets | 1.1751% | 795 |
| Noninterest expense to average assets | 2.9881% | 2,429 |
| Loan and lease loss provision to assets | 0.0807% | 2,338 |
| Net operating income to assets | 0.8692% | 2,903 |
| Return on assets (ROA) | 0.8812% | 2,969 |
| Pretax return on assets | 1.1993% | 2,703 |
| Return on Equity (ROE) | 8.2599% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.2599% | 1,350 |
| Net charge-offs to loans | 0.1908% | 1,025 |
| Credit loss provision to net charge-offs | 64.0964% | 1,951 |
| Earnings coverage of net charge-offs (x) | 10.0313% | 1,950 |
| Efficiency ratio | 69.2950% | 3,250 |
| Assets per employee ($millions) | 4.8587% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 5,292 |
| Loan loss allowance to noncurrent loans | 103.5120% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6697% | 3,049 |
| Noncurrent loans to loans | 0.7981% | 2,840 |
| Net loans and leases to total assets | 65.1375% | 3,090 |
| Net loans and leases to deposits | 90.5854% | 1,507 |
| Net loans and leases to core deposits | 98.1760% | 1,623 |
| Total domestic deposits to total assets | 71.9073% | 5,779 |
| Equity capital to assets | 10.8992% | 3,046 |
| Core capital (leverage) ratio | 8.9814% | 4,881 |
| Tier 1 risk-based capital ratio | 12.3269% | 4,709 |
| Total risk-based capital ratio | 13.0958% | 4,922 |
| Memoranda: | ||
| Average total assets | $2,635,640,500 | 323 |
| Average earning assets | $2,377,950,500 | 328 |
| Average equity | $281,165,000 | 330 |
| Average total loans | $1,740,144,000 | 331 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 2,600 |
| Cost of funding earning assets | 0.5600% | 1,677 |
| Net interest margin | 3.6272% | 3,027 |
| Noninterest income to average assets | 1.2910% | 725 |
| Noninterest expense to average assets | 3.1650% | 2,050 |
| Loan and lease loss provision to assets | 0.1352% | 1,762 |
| Net operating income to assets | 0.9477% | 2,626 |
| Return on assets (ROA) | 0.9537% | 2,676 |
| Pretax return on assets | 1.2801% | 2,358 |
| Return on Equity (ROE) | 9.3160% | 2,315 |
| Retained earnings to average equity (ytd only) | -3.0068% | 5,821 |
| Net charge-offs to loans | 0.3259% | 917 |
| Credit loss provision to net charge-offs | 61.6494% | 3,243 |
| Earnings coverage of net charge-offs (x) | 6.4159% | 3,230 |
| Efficiency ratio | 68.2975% | 3,508 |
| Assets per employee ($millions) | 4.9395% | 2,436 |
| Cash dividends to net income (ytd only)* | 132.2751% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 5,333 |
| Loan loss allowance to noncurrent loans | 93.9921% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7052% | 2,937 |
| Noncurrent loans to loans | 0.8801% | 2,594 |
| Net loans and leases to total assets | 65.8150% | 3,009 |
| Net loans and leases to deposits | 91.5657% | 1,446 |
| Net loans and leases to core deposits | 96.0147% | 1,850 |
| Total domestic deposits to total assets | 71.8773% | 5,803 |
| Equity capital to assets | 10.4385% | 3,440 |
| Core capital (leverage) ratio | 8.7713% | 5,142 |
| Tier 1 risk-based capital ratio | 11.8010% | 5,068 |
| Total risk-based capital ratio | 12.5708% | 5,257 |
| Memoranda: | ||
| Average total assets | $2,338,364,000 | 338 |
| Average earning assets | $2,115,317,400 | 339 |
| Average equity | $239,394,600 | 362 |
| Average total loans | $1,573,579,400 | 341 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 2,513 |
| Cost of funding earning assets | 0.5720% | 1,608 |
| Net interest margin | 3.6481% | 2,968 |
| Noninterest income to average assets | 1.3277% | 689 |
| Noninterest expense to average assets | 3.2319% | 1,880 |
| Loan and lease loss provision to assets | 0.1663% | 1,271 |
| Net operating income to assets | 0.9184% | 2,874 |
| Return on assets (ROA) | 0.9239% | 2,927 |
| Pretax return on assets | 1.2394% | 2,655 |
| Return on Equity (ROE) | 9.0761% | 2,535 |
| Retained earnings to average equity (ytd only) | -0.1929% | 5,637 |
| Net charge-offs to loans | 0.2752% | 970 |
| Credit loss provision to net charge-offs | 89.4386% | 2,477 |
| Earnings coverage of net charge-offs (x) | 7.5211% | 2,903 |
| Efficiency ratio | 68.8937% | 3,394 |
| Assets per employee ($millions) | 4.9557% | 2,356 |
| Cash dividends to net income (ytd only)* | 102.1255% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9337% | 5,053 |
| Loan loss allowance to noncurrent loans | 89.5734% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 3,049 |
| Noncurrent loans to loans | 1.0424% | 2,392 |
| Net loans and leases to total assets | 65.9342% | 3,023 |
| Net loans and leases to deposits | 89.1276% | 1,754 |
| Net loans and leases to core deposits | 96.5671% | 1,835 |
| Total domestic deposits to total assets | 73.9773% | 5,716 |
| Equity capital to assets | 10.9970% | 3,034 |
| Core capital (leverage) ratio | 9.3144% | 4,567 |
| Tier 1 risk-based capital ratio | 12.3004% | 4,888 |
| Total risk-based capital ratio | 13.1651% | 5,050 |
| Memoranda: | ||
| Average total assets | $2,261,056,000 | 351 |
| Average earning assets | $2,046,890,500 | 353 |
| Average equity | $230,151,000 | 378 |
| Average total loans | $1,527,712,250 | 351 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 2,409 |
| Cost of funding earning assets | 0.5637% | 1,695 |
| Net interest margin | 3.6715% | 2,830 |
| Noninterest income to average assets | 1.3157% | 706 |
| Noninterest expense to average assets | 3.0447% | 2,413 |
| Loan and lease loss provision to assets | 0.2347% | 781 |
| Net operating income to assets | 1.0066% | 2,359 |
| Return on assets (ROA) | 1.0151% | 2,424 |
| Pretax return on assets | 1.3754% | 2,083 |
| Return on Equity (ROE) | 10.3075% | 1,930 |
| Retained earnings to average equity (ytd only) | -1.5130% | 5,775 |
| Net charge-offs to loans | 0.3562% | 736 |
| Credit loss provision to net charge-offs | 96.9231% | 2,112 |
| Earnings coverage of net charge-offs (x) | 6.6015% | 2,762 |
| Efficiency ratio | 64.7023% | 4,242 |
| Assets per employee ($millions) | 5.0769% | 2,173 |
| Cash dividends to net income (ytd only)* | 114.6789% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 4,462 |
| Loan loss allowance to noncurrent loans | 83.0182% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 0.9132% | 2,703 |
| Noncurrent loans to loans | 1.2954% | 2,076 |
| Net loans and leases to total assets | 68.2412% | 2,609 |
| Net loans and leases to deposits | 93.8116% | 1,168 |
| Net loans and leases to core deposits | 102.0966% | 1,323 |
| Total domestic deposits to total assets | 72.7428% | 5,895 |
| Equity capital to assets | 9.4627% | 4,692 |
| Core capital (leverage) ratio | 8.2371% | 5,759 |
| Tier 1 risk-based capital ratio | 10.7582% | 5,819 |
| Total risk-based capital ratio | 11.7593% | 5,861 |
| Memoranda: | ||
| Average total assets | $2,147,495,330 | 367 |
| Average earning assets | $1,946,274,670 | 370 |
| Average equity | $211,497,000 | 402 |
| Average total loans | $1,459,748,670 | 358 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 2,435 |
| Cost of funding earning assets | 0.5675% | 1,683 |
| Net interest margin | 3.6381% | 2,866 |
| Noninterest income to average assets | 1.3132% | 663 |
| Noninterest expense to average assets | 3.0390% | 2,456 |
| Loan and lease loss provision to assets | 0.1162% | 1,778 |
| Net operating income to assets | 1.0709% | 1,970 |
| Return on assets (ROA) | 1.0883% | 2,023 |
| Pretax return on assets | 1.4691% | 1,665 |
| Return on Equity (ROE) | 10.8284% | 1,677 |
| Retained earnings to average equity (ytd only) | 1.4173% | 4,916 |
| Net charge-offs to loans | 0.1349% | 1,436 |
| Credit loss provision to net charge-offs | 127.6507% | 1,388 |
| Earnings coverage of net charge-offs (x) | 17.1642% | 1,536 |
| Efficiency ratio | 65.1207% | 4,296 |
| Assets per employee ($millions) | 5.0825% | 2,253 |
| Cash dividends to net income (ytd only)* | 86.9112% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1334% | 4,358 |
| Loan loss allowance to noncurrent loans | 92.3495% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8623% | 2,926 |
| Noncurrent loans to loans | 1.2273% | 2,321 |
| Net loans and leases to total assets | 67.4901% | 2,532 |
| Net loans and leases to deposits | 97.7801% | 693 |
| Net loans and leases to core deposits | 103.2762% | 1,107 |
| Total domestic deposits to total assets | 69.0223% | 6,169 |
| Equity capital to assets | 9.9286% | 4,227 |
| Core capital (leverage) ratio | 8.7732% | 5,233 |
| Tier 1 risk-based capital ratio | 11.2955% | 5,662 |
| Total risk-based capital ratio | 12.3465% | 5,675 |
| Memoranda: | ||
| Average total assets | $2,114,478,000 | 371 |
| Average earning assets | $1,910,760,000 | 370 |
| Average equity | $212,516,000 | 400 |
| Average total loans | $1,426,143,000 | 360 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,421 |
| Cost of funding earning assets | 0.6399% | 1,477 |
| Net interest margin | 3.7080% | 2,981 |
| Noninterest income to average assets | 1.2947% | 725 |
| Noninterest expense to average assets | 3.1693% | 2,296 |
| Loan and lease loss provision to assets | 0.1567% | 1,675 |
| Net operating income to assets | 0.9525% | 2,620 |
| Return on assets (ROA) | 0.9895% | 2,512 |
| Pretax return on assets | 1.3483% | 2,081 |
| Return on Equity (ROE) | 9.7540% | 2,217 |
| Retained earnings to average equity (ytd only) | 3.4412% | 3,762 |
| Net charge-offs to loans | 0.2043% | 2,031 |
| Credit loss provision to net charge-offs | 119.9686% | 2,006 |
| Earnings coverage of net charge-offs (x) | 11.1369% | 2,538 |
| Efficiency ratio | 67.5701% | 3,968 |
| Assets per employee ($millions) | 4.8577% | 2,528 |
| Cash dividends to net income (ytd only)* | 64.7199% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 4,053 |
| Loan loss allowance to noncurrent loans | 91.3222% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 2,919 |
| Noncurrent loans to loans | 1.3049% | 2,265 |
| Net loans and leases to total assets | 65.8078% | 2,918 |
| Net loans and leases to deposits | 91.3366% | 1,358 |
| Net loans and leases to core deposits | 96.5056% | 1,680 |
| Total domestic deposits to total assets | 72.0498% | 6,081 |
| Equity capital to assets | 10.1766% | 3,887 |
| Core capital (leverage) ratio | 8.7969% | 5,247 |
| Tier 1 risk-based capital ratio | 11.9629% | 5,386 |
| Total risk-based capital ratio | 13.0839% | 5,381 |
| Memoranda: | ||
| Average total assets | $1,951,897,000 | 376 |
| Average earning assets | $1,752,408,400 | 380 |
| Average equity | $198,011,200 | 408 |
| Average total loans | $1,247,780,400 | 377 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3651% | 2,368 |
| Cost of funding earning assets | 0.6557% | 1,418 |
| Net interest margin | 3.7094% | 2,991 |
| Noninterest income to average assets | 1.2870% | 736 |
| Noninterest expense to average assets | 3.2088% | 2,147 |
| Loan and lease loss provision to assets | 0.1444% | 1,734 |
| Net operating income to assets | 0.9163% | 2,833 |
| Return on assets (ROA) | 0.9664% | 2,681 |
| Pretax return on assets | 1.3322% | 2,267 |
| Return on Equity (ROE) | 9.5343% | 2,435 |
| Retained earnings to average equity (ytd only) | 2.6835% | 4,680 |
| Net charge-offs to loans | 0.2101% | 1,790 |
| Credit loss provision to net charge-offs | 108.7866% | 2,059 |
| Earnings coverage of net charge-offs (x) | 10.6051% | 2,525 |
| Efficiency ratio | 68.5221% | 3,760 |
| Assets per employee ($millions) | 4.8340% | 2,473 |
| Cash dividends to net income (ytd only)* | 71.8546% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 4,224 |
| Loan loss allowance to noncurrent loans | 115.8340% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.7452% | 3,575 |
| Noncurrent loans to loans | 1.0356% | 3,001 |
| Net loans and leases to total assets | 65.2483% | 2,991 |
| Net loans and leases to deposits | 90.9219% | 1,339 |
| Net loans and leases to core deposits | 96.0546% | 1,670 |
| Total domestic deposits to total assets | 71.7630% | 6,181 |
| Equity capital to assets | 10.1780% | 3,959 |
| Core capital (leverage) ratio | 8.6271% | 5,529 |
| Tier 1 risk-based capital ratio | 12.1261% | 5,409 |
| Total risk-based capital ratio | 13.2574% | 5,396 |
| Memoranda: | ||
| Average total assets | $1,920,101,750 | 379 |
| Average earning assets | $1,723,650,250 | 379 |
| Average equity | $194,619,250 | 411 |
| Average total loans | $1,213,551,250 | 383 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3383% | 2,437 |
| Cost of funding earning assets | 0.6560% | 1,465 |
| Net interest margin | 3.6822% | 3,021 |
| Noninterest income to average assets | 1.2890% | 710 |
| Noninterest expense to average assets | 3.2877% | 1,951 |
| Loan and lease loss provision to assets | 0.0361% | 3,569 |
| Net operating income to assets | 0.9128% | 2,742 |
| Return on assets (ROA) | 0.9128% | 2,845 |
| Pretax return on assets | 1.2683% | 2,376 |
| Return on Equity (ROE) | 9.0192% | 2,585 |
| Retained earnings to average equity (ytd only) | 1.1362% | 5,302 |
| Net charge-offs to loans | 0.1148% | 2,513 |
| Credit loss provision to net charge-offs | 50.5216% | 2,788 |
| Earnings coverage of net charge-offs (x) | 18.2742% | 1,693 |
| Efficiency ratio | 70.6155% | 3,553 |
| Assets per employee ($millions) | 4.8703% | 2,377 |
| Cash dividends to net income (ytd only)* | 87.4024% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 4,523 |
| Loan loss allowance to noncurrent loans | 122.0101% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 3,967 |
| Noncurrent loans to loans | 0.9659% | 3,308 |
| Net loans and leases to total assets | 63.2904% | 3,198 |
| Net loans and leases to deposits | 86.8567% | 1,729 |
| Net loans and leases to core deposits | 93.0354% | 1,856 |
| Total domestic deposits to total assets | 72.8676% | 6,195 |
| Equity capital to assets | 9.9573% | 4,168 |
| Core capital (leverage) ratio | 8.7778% | 5,294 |
| Tier 1 risk-based capital ratio | 11.4705% | 5,817 |
| Total risk-based capital ratio | 12.5281% | 5,858 |
| Memoranda: | ||
| Average total assets | $1,880,155,000 | 383 |
| Average earning assets | $1,686,528,330 | 380 |
| Average equity | $190,283,670 | 413 |
| Average total loans | $1,169,005,670 | 394 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 3,234 |
| Cost of funding earning assets | 0.6740% | 1,413 |
| Net interest margin | 3.4374% | 3,948 |
| Noninterest income to average assets | 1.1804% | 801 |
| Noninterest expense to average assets | 3.2781% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7559% | 3,381 |
| Return on assets (ROA) | 0.7559% | 3,469 |
| Pretax return on assets | 0.9905% | 3,360 |
| Return on Equity (ROE) | 7.3991% | 3,255 |
| Retained earnings to average equity (ytd only) | -3.5820% | 6,020 |
| Net charge-offs to loans | -0.0404% | 5,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8068% | 2,831 |
| Assets per employee ($millions) | 4.3143% | 3,313 |
| Cash dividends to net income (ytd only)* | 148.4120% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 3,348 |
| Loan loss allowance to noncurrent loans | 127.3993% | 3,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7911% | 3,764 |
| Noncurrent loans to loans | 1.1426% | 3,134 |
| Net loans and leases to total assets | 60.2989% | 3,510 |
| Net loans and leases to deposits | 79.3217% | 2,390 |
| Net loans and leases to core deposits | 85.3279% | 2,388 |
| Total domestic deposits to total assets | 76.0182% | 6,076 |
| Equity capital to assets | 10.1070% | 3,714 |
| Core capital (leverage) ratio | 9.1074% | 4,860 |
| Tier 1 risk-based capital ratio | 12.8673% | 5,084 |
| Total risk-based capital ratio | 14.1182% | 5,023 |
| Memoranda: | ||
| Average total assets | $1,782,856,000 | 402 |
| Average earning assets | $1,601,792,000 | 402 |
| Average equity | $182,131,000 | 426 |
| Average total loans | $1,089,118,500 | 422 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6588% | 1,692 |
| Cost of funding earning assets | 0.7150% | 1,711 |
| Net interest margin | 3.9437% | 2,124 |
| Noninterest income to average assets | 1.4240% | 688 |
| Noninterest expense to average assets | 3.2727% | 2,210 |
| Loan and lease loss provision to assets | 0.1078% | 2,996 |
| Net operating income to assets | 1.1444% | 1,779 |
| Return on assets (ROA) | 1.1593% | 1,780 |
| Pretax return on assets | 1.6240% | 1,112 |
| Return on Equity (ROE) | 11.3996% | 1,635 |
| Retained earnings to average equity (ytd only) | 7.2581% | 1,333 |
| Net charge-offs to loans | 0.3752% | 1,794 |
| Credit loss provision to net charge-offs | 45.7361% | 3,922 |
| Earnings coverage of net charge-offs (x) | 7.2573% | 2,881 |
| Efficiency ratio | 64.8153% | 4,765 |
| Assets per employee ($millions) | 4.2878% | 3,295 |
| Cash dividends to net income (ytd only)* | 36.3302% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 3,238 |
| Loan loss allowance to noncurrent loans | 120.9408% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 3,712 |
| Noncurrent loans to loans | 1.2334% | 3,076 |
| Net loans and leases to total assets | 60.0747% | 3,704 |
| Net loans and leases to deposits | 80.9177% | 2,332 |
| Net loans and leases to core deposits | 87.3738% | 2,306 |
| Total domestic deposits to total assets | 74.2417% | 6,263 |
| Equity capital to assets | 10.3275% | 3,368 |
| Core capital (leverage) ratio | 9.1794% | 4,750 |
| Tier 1 risk-based capital ratio | 13.4212% | 4,706 |
| Total risk-based capital ratio | 14.6724% | 4,653 |
| Memoranda: | ||
| Average total assets | $1,780,781,800 | 390 |
| Average earning assets | $1,607,313,600 | 391 |
| Average equity | $181,094,000 | 423 |
| Average total loans | $1,118,766,400 | 395 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 1,488 |
| Cost of funding earning assets | 0.7176% | 1,826 |
| Net interest margin | 4.0269% | 1,853 |
| Noninterest income to average assets | 1.4809% | 673 |
| Noninterest expense to average assets | 3.1924% | 2,390 |
| Loan and lease loss provision to assets | 0.2177% | 1,673 |
| Net operating income to assets | 1.2030% | 1,621 |
| Return on assets (ROA) | 1.2226% | 1,629 |
| Pretax return on assets | 1.7375% | 1,019 |
| Return on Equity (ROE) | 12.0682% | 1,456 |
| Retained earnings to average equity (ytd only) | 8.3846% | 1,255 |
| Net charge-offs to loans | 0.3938% | 1,629 |
| Credit loss provision to net charge-offs | 87.3615% | 2,682 |
| Earnings coverage of net charge-offs (x) | 7.7341% | 2,744 |
| Efficiency ratio | 61.5228% | 5,203 |
| Assets per employee ($millions) | 4.3441% | 3,151 |
| Cash dividends to net income (ytd only)* | 30.5232% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6434% | 2,825 |
| Loan loss allowance to noncurrent loans | 94.8857% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.1303% | 3,392 |
| Noncurrent loans to loans | 1.7320% | 2,597 |
| Net loans and leases to total assets | 59.9722% | 3,694 |
| Net loans and leases to deposits | 79.5935% | 2,466 |
| Net loans and leases to core deposits | 86.4832% | 2,351 |
| Total domestic deposits to total assets | 75.3481% | 6,242 |
| Equity capital to assets | 10.2401% | 3,590 |
| Core capital (leverage) ratio | 9.0017% | 5,129 |
| Tier 1 risk-based capital ratio | 13.1675% | 5,001 |
| Total risk-based capital ratio | 14.4206% | 4,950 |
| Memoranda: | ||
| Average total assets | $1,786,475,750 | 389 |
| Average earning assets | $1,614,318,500 | 390 |
| Average equity | $180,978,000 | 425 |
| Average total loans | $1,130,431,000 | 390 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 1,173 |
| Cost of funding earning assets | 0.7206% | 1,920 |
| Net interest margin | 4.1505% | 1,407 |
| Noninterest income to average assets | 1.5592% | 650 |
| Noninterest expense to average assets | 3.2069% | 2,339 |
| Loan and lease loss provision to assets | 0.3146% | 1,130 |
| Net operating income to assets | 1.2477% | 1,462 |
| Return on assets (ROA) | 1.2765% | 1,475 |
| Pretax return on assets | 1.8340% | 854 |
| Return on Equity (ROE) | 12.6465% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.1066% | 1,844 |
| Net charge-offs to loans | 0.3847% | 1,680 |
| Credit loss provision to net charge-offs | 127.6895% | 1,768 |
| Earnings coverage of net charge-offs (x) | 8.5533% | 2,388 |
| Efficiency ratio | 59.5429% | 5,538 |
| Assets per employee ($millions) | 4.4077% | 2,971 |
| Cash dividends to net income (ytd only)* | 43.8059% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 2,908 |
| Loan loss allowance to noncurrent loans | 91.8109% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.2103% | 3,324 |
| Noncurrent loans to loans | 1.8160% | 2,619 |
| Net loans and leases to total assets | 62.3760% | 3,224 |
| Net loans and leases to deposits | 84.9749% | 1,687 |
| Net loans and leases to core deposits | 94.5407% | 1,475 |
| Total domestic deposits to total assets | 73.4052% | 6,478 |
| Equity capital to assets | 9.9733% | 3,953 |
| Core capital (leverage) ratio | 8.7718% | 5,324 |
| Tier 1 risk-based capital ratio | 12.3727% | 5,590 |
| Total risk-based capital ratio | 13.6262% | 5,531 |
| Memoranda: | ||
| Average total assets | $1,788,268,000 | 385 |
| Average earning assets | $1,617,919,000 | 387 |
| Average equity | $180,508,670 | 426 |
| Average total loans | $1,145,237,000 | 385 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 1,293 |
| Cost of funding earning assets | 0.7227% | 2,043 |
| Net interest margin | 4.0746% | 1,542 |
| Noninterest income to average assets | 1.5852% | 615 |
| Noninterest expense to average assets | 3.0946% | 2,695 |
| Loan and lease loss provision to assets | 0.4657% | 593 |
| Net operating income to assets | 1.1892% | 1,556 |
| Return on assets (ROA) | 1.2459% | 1,508 |
| Pretax return on assets | 1.7950% | 890 |
| Return on Equity (ROE) | 12.2700% | 1,356 |
| Retained earnings to average equity (ytd only) | 6.7678% | 2,270 |
| Net charge-offs to loans | 0.2740% | 1,860 |
| Credit loss provision to net charge-offs | 264.1318% | 884 |
| Earnings coverage of net charge-offs (x) | 12.3549% | 1,603 |
| Efficiency ratio | 57.8767% | 5,864 |
| Assets per employee ($millions) | 4.2503% | 3,435 |
| Cash dividends to net income (ytd only)* | 44.8430% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 2,689 |
| Loan loss allowance to noncurrent loans | 102.5473% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1973% | 3,574 |
| Noncurrent loans to loans | 1.7362% | 2,947 |
| Net loans and leases to total assets | 62.2400% | 3,013 |
| Net loans and leases to deposits | 81.3533% | 1,917 |
| Net loans and leases to core deposits | 91.1792% | 1,591 |
| Total domestic deposits to total assets | 76.5058% | 6,304 |
| Equity capital to assets | 10.5304% | 3,511 |
| Core capital (leverage) ratio | 8.6553% | 5,385 |
| Tier 1 risk-based capital ratio | 12.5245% | 5,562 |
| Total risk-based capital ratio | 13.7795% | 5,509 |
| Memoranda: | ||
| Average total assets | $1,789,833,000 | 391 |
| Average earning assets | $1,619,976,000 | 391 |
| Average equity | $181,744,000 | 426 |
| Average total loans | $1,151,667,000 | 386 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 2,387 |
| Cost of funding earning assets | 0.8108% | 2,580 |
| Net interest margin | 3.9423% | 2,638 |
| Noninterest income to average assets | 1.6359% | 593 |
| Noninterest expense to average assets | 3.1817% | 2,676 |
| Loan and lease loss provision to assets | 0.2110% | 3,036 |
| Net operating income to assets | 1.2727% | 1,388 |
| Return on assets (ROA) | 1.2728% | 1,537 |
| Pretax return on assets | 1.8458% | 841 |
| Return on Equity (ROE) | 13.1664% | 1,186 |
| Retained earnings to average equity (ytd only) | 2.9445% | 4,154 |
| Net charge-offs to loans | 0.3844% | 2,717 |
| Credit loss provision to net charge-offs | 85.2031% | 3,662 |
| Earnings coverage of net charge-offs (x) | 8.3034% | 2,433 |
| Efficiency ratio | 60.0793% | 5,527 |
| Assets per employee ($millions) | 4.9746% | 2,256 |
| Cash dividends to net income (ytd only)* | 77.6361% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5169% | 3,675 |
| Loan loss allowance to noncurrent loans | 91.0087% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.2258% | 3,606 |
| Noncurrent loans to loans | 1.6667% | 3,128 |
| Net loans and leases to total assets | 64.2727% | 2,850 |
| Net loans and leases to deposits | 90.8375% | 994 |
| Net loans and leases to core deposits | 101.2478% | 942 |
| Total domestic deposits to total assets | 70.7557% | 6,760 |
| Equity capital to assets | 9.8008% | 4,447 |
| Core capital (leverage) ratio | 8.2177% | 5,979 |
| Tier 1 risk-based capital ratio | 11.1683% | 6,284 |
| Total risk-based capital ratio | 12.4202% | 6,249 |
| Memoranda: | ||
| Average total assets | $1,669,817,400 | 410 |
| Average earning assets | $1,525,882,800 | 404 |
| Average equity | $161,418,000 | 465 |
| Average total loans | $1,076,029,800 | 397 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6608% | 2,964 |
| Cost of funding earning assets | 0.8448% | 2,587 |
| Net interest margin | 3.8159% | 3,262 |
| Noninterest income to average assets | 1.5915% | 589 |
| Noninterest expense to average assets | 3.0774% | 2,957 |
| Loan and lease loss provision to assets | 0.1483% | 3,680 |
| Net operating income to assets | 1.2817% | 1,488 |
| Return on assets (ROA) | 1.2817% | 1,634 |
| Pretax return on assets | 1.8616% | 940 |
| Return on Equity (ROE) | 13.3106% | 1,268 |
| Retained earnings to average equity (ytd only) | 5.6457% | 2,928 |
| Net charge-offs to loans | 0.2712% | 3,101 |
| Credit loss provision to net charge-offs | 85.2096% | 3,457 |
| Earnings coverage of net charge-offs (x) | 11.5450% | 2,070 |
| Efficiency ratio | 59.9610% | 5,507 |
| Assets per employee ($millions) | 4.6815% | 2,627 |
| Cash dividends to net income (ytd only)* | 57.5852% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 3,592 |
| Loan loss allowance to noncurrent loans | 87.5230% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 3,717 |
| Noncurrent loans to loans | 1.8083% | 3,068 |
| Net loans and leases to total assets | 62.5987% | 3,281 |
| Net loans and leases to deposits | 87.8424% | 1,371 |
| Net loans and leases to core deposits | 98.2849% | 1,243 |
| Total domestic deposits to total assets | 71.2625% | 6,778 |
| Equity capital to assets | 9.9791% | 4,521 |
| Core capital (leverage) ratio | 8.5657% | 5,670 |
| Tier 1 risk-based capital ratio | 11.5795% | 6,181 |
| Total risk-based capital ratio | 12.8321% | 6,157 |
| Memoranda: | ||
| Average total assets | $1,625,881,750 | 415 |
| Average earning assets | $1,489,479,000 | 407 |
| Average equity | $156,552,500 | 474 |
| Average total loans | $1,043,922,000 | 411 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6740% | 3,028 |
| Cost of funding earning assets | 0.8694% | 2,663 |
| Net interest margin | 3.8046% | 3,335 |
| Noninterest income to average assets | 1.5064% | 643 |
| Noninterest expense to average assets | 2.9512% | 3,439 |
| Loan and lease loss provision to assets | 0.0989% | 4,295 |
| Net operating income to assets | 1.3325% | 1,354 |
| Return on assets (ROA) | 1.3325% | 1,508 |
| Pretax return on assets | 1.9521% | 754 |
| Return on Equity (ROE) | 14.0412% | 1,107 |
| Retained earnings to average equity (ytd only) | 3.8635% | 4,044 |
| Net charge-offs to loans | 0.2550% | 3,050 |
| Credit loss provision to net charge-offs | 60.1881% | 3,789 |
| Earnings coverage of net charge-offs (x) | 12.4812% | 1,873 |
| Efficiency ratio | 58.4316% | 5,812 |
| Assets per employee ($millions) | 4.5862% | 2,744 |
| Cash dividends to net income (ytd only)* | 72.4848% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,767 |
| Loan loss allowance to noncurrent loans | 103.6615% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.1990% | 4,014 |
| Noncurrent loans to loans | 1.7612% | 3,259 |
| Net loans and leases to total assets | 63.1804% | 3,202 |
| Net loans and leases to deposits | 93.2328% | 836 |
| Net loans and leases to core deposits | 106.3964% | 725 |
| Total domestic deposits to total assets | 67.7663% | 7,004 |
| Equity capital to assets | 9.6122% | 4,897 |
| Core capital (leverage) ratio | 8.7419% | 5,312 |
| Tier 1 risk-based capital ratio | 12.0138% | 5,923 |
| Total risk-based capital ratio | 13.2693% | 5,896 |
| Memoranda: | ||
| Average total assets | $1,553,003,330 | 436 |
| Average earning assets | $1,426,944,000 | 426 |
| Average equity | $147,381,000 | 489 |
| Average total loans | $1,000,825,670 | 420 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7315% | 2,923 |
| Cost of funding earning assets | 0.8880% | 2,776 |
| Net interest margin | 3.8435% | 3,167 |
| Noninterest income to average assets | 1.3291% | 808 |
| Noninterest expense to average assets | 2.8380% | 3,870 |
| Loan and lease loss provision to assets | 0.1445% | 3,557 |
| Net operating income to assets | 1.2939% | 1,472 |
| Return on assets (ROA) | 1.2939% | 1,645 |
| Pretax return on assets | 1.8793% | 919 |
| Return on Equity (ROE) | 13.7236% | 1,245 |
| Retained earnings to average equity (ytd only) | -2.7250% | 6,367 |
| Net charge-offs to loans | 0.0116% | 4,547 |
| Credit loss provision to net charge-offs | 1,927.5862% | 174 |
| Earnings coverage of net charge-offs (x) | 270.0000% | 126 |
| Efficiency ratio | 57.7884% | 5,944 |
| Assets per employee ($millions) | 4.7931% | 2,521 |
| Cash dividends to net income (ytd only)* | 119.8562% | 423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9436% | 2,541 |
| Loan loss allowance to noncurrent loans | 106.8648% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 1.2252% | 4,089 |
| Noncurrent loans to loans | 1.8188% | 3,382 |
| Net loans and leases to total assets | 63.2576% | 2,990 |
| Net loans and leases to deposits | 90.8531% | 887 |
| Net loans and leases to core deposits | 105.5012% | 694 |
| Total domestic deposits to total assets | 69.6262% | 6,999 |
| Equity capital to assets | 9.4107% | 4,941 |
| Core capital (leverage) ratio | 8.5271% | 5,552 |
| Tier 1 risk-based capital ratio | 11.8245% | 6,066 |
| Total risk-based capital ratio | 13.0815% | 6,047 |
| Memoranda: | ||
| Average total assets | $1,547,565,000 | 436 |
| Average earning assets | $1,422,458,000 | 427 |
| Average equity | $145,909,500 | 489 |
| Average total loans | $998,019,000 | 419 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 3,426 |
| Cost of funding earning assets | 1.1100% | 2,606 |
| Net interest margin | 3.7753% | 3,948 |
| Noninterest income to average assets | 1.2803% | 784 |
| Noninterest expense to average assets | 3.1464% | 3,039 |
| Loan and lease loss provision to assets | 0.3654% | 2,803 |
| Net operating income to assets | 0.8988% | 2,607 |
| Return on assets (ROA) | 0.9885% | 2,387 |
| Pretax return on assets | 1.3458% | 1,963 |
| Return on Equity (ROE) | 10.2017% | 1,991 |
| Retained earnings to average equity (ytd only) | 3.0617% | 4,050 |
| Net charge-offs to loans | 0.6078% | 2,626 |
| Credit loss provision to net charge-offs | 96.6691% | 3,727 |
| Earnings coverage of net charge-offs (x) | 4.2015% | 3,224 |
| Efficiency ratio | 65.7982% | 4,813 |
| Assets per employee ($millions) | 4.8954% | 2,326 |
| Cash dividends to net income (ytd only)* | 69.9888% | 1,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,584 |
| Loan loss allowance to noncurrent loans | 113.6922% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 1.2546% | 4,136 |
| Noncurrent loans to loans | 1.6653% | 3,665 |
| Net loans and leases to total assets | 63.2472% | 3,342 |
| Net loans and leases to deposits | 96.0981% | 665 |
| Net loans and leases to core deposits | 128.1156% | 259 |
| Total domestic deposits to total assets | 65.8152% | 7,136 |
| Equity capital to assets | 9.4460% | 4,973 |
| Core capital (leverage) ratio | 8.5037% | 5,556 |
| Tier 1 risk-based capital ratio | 11.8622% | 5,926 |
| Total risk-based capital ratio | 13.1186% | 5,903 |
| Memoranda: | ||
| Average total assets | $1,445,375,400 | 463 |
| Average earning assets | $1,322,531,800 | 454 |
| Average equity | $140,054,800 | 495 |
| Average total loans | $899,052,800 | 467 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8428% | 3,820 |
| Cost of funding earning assets | 1.1575% | 2,584 |
| Net interest margin | 3.6852% | 4,403 |
| Noninterest income to average assets | 1.2703% | 799 |
| Noninterest expense to average assets | 3.0581% | 3,323 |
| Loan and lease loss provision to assets | 0.4173% | 2,378 |
| Net operating income to assets | 0.8545% | 2,920 |
| Return on assets (ROA) | 0.9747% | 2,581 |
| Pretax return on assets | 1.3286% | 2,187 |
| Return on Equity (ROE) | 9.9908% | 2,204 |
| Retained earnings to average equity (ytd only) | 1.8103% | 5,231 |
| Net charge-offs to loans | 0.6705% | 2,235 |
| Credit loss provision to net charge-offs | 101.0459% | 3,324 |
| Earnings coverage of net charge-offs (x) | 3.8290% | 3,281 |
| Efficiency ratio | 65.2331% | 4,859 |
| Assets per employee ($millions) | 4.7295% | 2,584 |
| Cash dividends to net income (ytd only)* | 81.8803% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0370% | 2,237 |
| Loan loss allowance to noncurrent loans | 97.4254% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.5559% | 3,759 |
| Noncurrent loans to loans | 2.0908% | 3,256 |
| Net loans and leases to total assets | 61.6879% | 3,801 |
| Net loans and leases to deposits | 92.1117% | 1,001 |
| Net loans and leases to core deposits | 114.5874% | 539 |
| Total domestic deposits to total assets | 66.9708% | 7,171 |
| Equity capital to assets | 9.6520% | 4,853 |
| Core capital (leverage) ratio | 8.8877% | 5,129 |
| Tier 1 risk-based capital ratio | 12.3262% | 5,645 |
| Total risk-based capital ratio | 13.5842% | 5,622 |
| Memoranda: | ||
| Average total assets | $1,419,982,250 | 474 |
| Average earning assets | $1,298,124,500 | 468 |
| Average equity | $138,537,500 | 507 |
| Average total loans | $874,495,250 | 481 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 3,704 |
| Cost of funding earning assets | 1.2081% | 2,524 |
| Net interest margin | 3.6725% | 4,394 |
| Noninterest income to average assets | 1.1613% | 945 |
| Noninterest expense to average assets | 2.9323% | 3,892 |
| Loan and lease loss provision to assets | 0.4124% | 2,370 |
| Net operating income to assets | 0.8712% | 2,763 |
| Return on assets (ROA) | 0.9389% | 2,579 |
| Pretax return on assets | 1.2634% | 2,258 |
| Return on Equity (ROE) | 9.5873% | 2,277 |
| Retained earnings to average equity (ytd only) | 3.0076% | 4,364 |
| Net charge-offs to loans | 0.7871% | 1,930 |
| Credit loss provision to net charge-offs | 85.7653% | 3,593 |
| Earnings coverage of net charge-offs (x) | 3.2948% | 3,223 |
| Efficiency ratio | 64.2065% | 5,202 |
| Assets per employee ($millions) | 4.4280% | 2,954 |
| Cash dividends to net income (ytd only)* | 68.6289% | 1,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2031% | 1,916 |
| Loan loss allowance to noncurrent loans | 113.3431% | 2,557 |
| Noncurrent assets plus other real estate owned to assets | 1.4507% | 4,040 |
| Noncurrent loans to loans | 1.9438% | 3,550 |
| Net loans and leases to total assets | 58.4082% | 4,560 |
| Net loans and leases to deposits | 80.0403% | 2,790 |
| Net loans and leases to core deposits | 101.7774% | 1,191 |
| Total domestic deposits to total assets | 72.9735% | 6,926 |
| Equity capital to assets | 9.9998% | 4,151 |
| Core capital (leverage) ratio | 9.0262% | 4,679 |
| Tier 1 risk-based capital ratio | 13.6204% | 4,438 |
| Total risk-based capital ratio | 14.8802% | 4,413 |
| Memoranda: | ||
| Average total assets | $1,396,708,000 | 486 |
| Average earning assets | $1,276,070,330 | 480 |
| Average equity | $136,784,670 | 512 |
| Average total loans | $853,280,330 | 502 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 3,754 |
| Cost of funding earning assets | 1.2335% | 2,607 |
| Net interest margin | 3.6303% | 4,429 |
| Noninterest income to average assets | 1.1538% | 979 |
| Noninterest expense to average assets | 2.9168% | 3,993 |
| Loan and lease loss provision to assets | 0.4459% | 1,979 |
| Net operating income to assets | 0.8322% | 2,872 |
| Return on assets (ROA) | 0.8914% | 2,669 |
| Pretax return on assets | 1.1869% | 2,428 |
| Return on Equity (ROE) | 9.2009% | 2,385 |
| Retained earnings to average equity (ytd only) | -1.2040% | 6,027 |
| Net charge-offs to loans | 0.7095% | 1,797 |
| Credit loss provision to net charge-offs | 101.7083% | 2,601 |
| Earnings coverage of net charge-offs (x) | 3.5447% | 2,711 |
| Efficiency ratio | 64.5149% | 5,274 |
| Assets per employee ($millions) | 4.4370% | 3,003 |
| Cash dividends to net income (ytd only)* | 113.0856% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3437% | 1,695 |
| Loan loss allowance to noncurrent loans | 108.9177% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4355% | 4,115 |
| Noncurrent loans to loans | 2.1518% | 3,382 |
| Net loans and leases to total assets | 57.6436% | 4,700 |
| Net loans and leases to deposits | 78.6541% | 2,950 |
| Net loans and leases to core deposits | 100.7019% | 1,280 |
| Total domestic deposits to total assets | 73.2874% | 6,974 |
| Equity capital to assets | 9.7877% | 4,048 |
| Core capital (leverage) ratio | 8.8075% | 4,917 |
| Tier 1 risk-based capital ratio | 13.7873% | 4,221 |
| Total risk-based capital ratio | 15.0486% | 4,193 |
| Memoranda: | ||
| Average total assets | $1,388,802,500 | 495 |
| Average earning assets | $1,268,873,500 | 490 |
| Average equity | $134,552,500 | 515 |
| Average total loans | $858,114,000 | 510 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 2,970 |
| Cost of funding earning assets | 1.4938% | 2,685 |
| Net interest margin | 3.8385% | 3,782 |
| Noninterest income to average assets | 1.3653% | 789 |
| Noninterest expense to average assets | 2.9832% | 3,913 |
| Loan and lease loss provision to assets | 0.8227% | 1,993 |
| Net operating income to assets | 0.8085% | 2,760 |
| Return on assets (ROA) | 0.8373% | 2,786 |
| Pretax return on assets | 1.1078% | 2,548 |
| Return on Equity (ROE) | 8.8750% | 2,350 |
| Retained earnings to average equity (ytd only) | 5.1013% | 2,357 |
| Net charge-offs to loans | 0.9402% | 2,300 |
| Credit loss provision to net charge-offs | 135.8495% | 2,844 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,510 |
| Efficiency ratio | 60.6146% | 5,950 |
| Assets per employee ($millions) | 4.5087% | 2,853 |
| Cash dividends to net income (ytd only)* | 42.5206% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1142% | 2,036 |
| Loan loss allowance to noncurrent loans | 103.8231% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 4,058 |
| Noncurrent loans to loans | 2.0364% | 3,507 |
| Net loans and leases to total assets | 63.1500% | 4,039 |
| Net loans and leases to deposits | 88.8766% | 1,667 |
| Net loans and leases to core deposits | 112.1925% | 804 |
| Total domestic deposits to total assets | 71.0536% | 7,166 |
| Equity capital to assets | 9.5903% | 4,285 |
| Core capital (leverage) ratio | 8.5994% | 5,195 |
| Tier 1 risk-based capital ratio | 12.6958% | 4,867 |
| Total risk-based capital ratio | 13.9550% | 4,835 |
| Memoranda: | ||
| Average total assets | $1,404,339,200 | 480 |
| Average earning assets | $1,284,340,800 | 475 |
| Average equity | $132,496,000 | 514 |
| Average total loans | $904,561,600 | 497 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2686% | 3,493 |
| Cost of funding earning assets | 1.5600% | 2,607 |
| Net interest margin | 3.7086% | 4,362 |
| Noninterest income to average assets | 1.3603% | 730 |
| Noninterest expense to average assets | 2.9043% | 4,074 |
| Loan and lease loss provision to assets | 0.8430% | 1,801 |
| Net operating income to assets | 0.7688% | 3,140 |
| Return on assets (ROA) | 0.8029% | 3,141 |
| Pretax return on assets | 1.0489% | 3,000 |
| Return on Equity (ROE) | 8.5452% | 2,673 |
| Retained earnings to average equity (ytd only) | 6.0221% | 2,342 |
| Net charge-offs to loans | 1.0126% | 1,987 |
| Credit loss provision to net charge-offs | 129.3091% | 3,134 |
| Earnings coverage of net charge-offs (x) | 2.8340% | 3,716 |
| Efficiency ratio | 60.5675% | 5,860 |
| Assets per employee ($millions) | 4.8735% | 2,365 |
| Cash dividends to net income (ytd only)* | 29.5264% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 2,632 |
| Loan loss allowance to noncurrent loans | 97.3700% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.5221% | 4,165 |
| Noncurrent loans to loans | 1.8986% | 3,803 |
| Net loans and leases to total assets | 64.6127% | 3,991 |
| Net loans and leases to deposits | 94.5687% | 1,144 |
| Net loans and leases to core deposits | 125.5134% | 462 |
| Total domestic deposits to total assets | 68.3235% | 7,361 |
| Equity capital to assets | 9.3358% | 5,073 |
| Core capital (leverage) ratio | 8.5279% | 5,458 |
| Tier 1 risk-based capital ratio | 11.6867% | 5,742 |
| Total risk-based capital ratio | 12.9428% | 5,712 |
| Memoranda: | ||
| Average total assets | $1,406,000,000 | 473 |
| Average earning assets | $1,285,841,250 | 467 |
| Average equity | $132,109,250 | 508 |
| Average total loans | $905,274,750 | 496 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 3,842 |
| Cost of funding earning assets | 1.6250% | 2,514 |
| Net interest margin | 3.5965% | 4,828 |
| Noninterest income to average assets | 1.3037% | 749 |
| Noninterest expense to average assets | 2.8330% | 4,349 |
| Loan and lease loss provision to assets | 0.9028% | 1,617 |
| Net operating income to assets | 0.6768% | 3,501 |
| Return on assets (ROA) | 0.6918% | 3,592 |
| Pretax return on assets | 0.8728% | 3,609 |
| Return on Equity (ROE) | 7.3454% | 3,167 |
| Retained earnings to average equity (ytd only) | 5.8074% | 2,442 |
| Net charge-offs to loans | 1.2937% | 1,472 |
| Credit loss provision to net charge-offs | 109.2550% | 3,737 |
| Earnings coverage of net charge-offs (x) | 2.1259% | 3,958 |
| Efficiency ratio | 61.2144% | 5,817 |
| Assets per employee ($millions) | 4.5660% | 2,768 |
| Cash dividends to net income (ytd only)* | 20.9380% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 2,823 |
| Loan loss allowance to noncurrent loans | 93.8557% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3968% | 4,381 |
| Noncurrent loans to loans | 1.8838% | 3,884 |
| Net loans and leases to total assets | 62.9060% | 4,486 |
| Net loans and leases to deposits | 88.7857% | 2,037 |
| Net loans and leases to core deposits | 115.4991% | 862 |
| Total domestic deposits to total assets | 70.8515% | 7,273 |
| Equity capital to assets | 9.1759% | 5,175 |
| Core capital (leverage) ratio | 8.9223% | 4,721 |
| Tier 1 risk-based capital ratio | 11.8947% | 5,407 |
| Total risk-based capital ratio | 13.1498% | 5,376 |
| Memoranda: | ||
| Average total assets | $1,380,817,330 | 482 |
| Average earning assets | $1,261,556,330 | 475 |
| Average equity | $130,041,000 | 511 |
| Average total loans | $881,933,670 | 508 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2687% | 3,692 |
| Cost of funding earning assets | 1.7004% | 2,389 |
| Net interest margin | 3.5683% | 4,863 |
| Noninterest income to average assets | 1.2692% | 758 |
| Noninterest expense to average assets | 2.8353% | 4,342 |
| Loan and lease loss provision to assets | 0.9646% | 1,305 |
| Net operating income to assets | 0.5890% | 3,941 |
| Return on assets (ROA) | 0.5890% | 4,086 |
| Pretax return on assets | 0.7289% | 4,129 |
| Return on Equity (ROE) | 6.1675% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.1675% | 2,538 |
| Net charge-offs to loans | 1.4633% | 1,180 |
| Credit loss provision to net charge-offs | 103.3568% | 3,309 |
| Earnings coverage of net charge-offs (x) | 1.8146% | 3,649 |
| Efficiency ratio | 62.1187% | 5,810 |
| Assets per employee ($millions) | 4.5375% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9704% | 2,261 |
| Loan loss allowance to noncurrent loans | 106.0108% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3316% | 4,524 |
| Noncurrent loans to loans | 1.8587% | 3,981 |
| Net loans and leases to total assets | 61.7987% | 4,801 |
| Net loans and leases to deposits | 90.5933% | 1,819 |
| Net loans and leases to core deposits | 121.2089% | 737 |
| Total domestic deposits to total assets | 68.2155% | 7,516 |
| Equity capital to assets | 9.9523% | 3,929 |
| Core capital (leverage) ratio | 8.8340% | 4,813 |
| Tier 1 risk-based capital ratio | 12.9642% | 4,359 |
| Total risk-based capital ratio | 14.2210% | 4,333 |
| Memoranda: | ||
| Average total assets | $1,340,663,000 | 509 |
| Average earning assets | $1,224,669,000 | 506 |
| Average equity | $128,026,000 | 526 |
| Average total loans | $855,061,000 | 538 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8606% | 2,406 |
| Cost of funding earning assets | 2.1315% | 2,322 |
| Net interest margin | 3.7291% | 4,006 |
| Noninterest income to average assets | 1.2640% | 945 |
| Noninterest expense to average assets | 2.7361% | 5,216 |
| Loan and lease loss provision to assets | 1.0002% | 2,273 |
| Net operating income to assets | 0.7240% | 2,838 |
| Return on assets (ROA) | 0.7696% | 2,731 |
| Pretax return on assets | 0.9857% | 2,639 |
| Return on Equity (ROE) | 8.2400% | 2,277 |
| Retained earnings to average equity (ytd only) | 2.1389% | 3,607 |
| Net charge-offs to loans | 0.9978% | 2,417 |
| Credit loss provision to net charge-offs | 151.1780% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.9133% | 3,625 |
| Efficiency ratio | 58.1878% | 6,735 |
| Assets per employee ($millions) | 4.8377% | 2,428 |
| Cash dividends to net income (ytd only)* | 74.0422% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 2,558 |
| Loan loss allowance to noncurrent loans | 91.7502% | 3,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3866% | 4,339 |
| Noncurrent loans to loans | 1.9568% | 3,722 |
| Net loans and leases to total assets | 63.3137% | 4,750 |
| Net loans and leases to deposits | 91.0468% | 2,038 |
| Net loans and leases to core deposits | 112.9000% | 2,608 |
| Total domestic deposits to total assets | 69.5398% | 7,459 |
| Equity capital to assets | 9.1716% | 4,885 |
| Core capital (leverage) ratio | 8.6423% | 5,028 |
| Tier 1 risk-based capital ratio | 11.8483% | 5,076 |
| Total risk-based capital ratio | 13.1035% | 5,035 |
| Memoranda: | ||
| Average total assets | $1,359,988,600 | 500 |
| Average earning assets | $1,239,818,200 | 494 |
| Average equity | $127,026,400 | 523 |
| Average total loans | $901,770,000 | 527 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9579% | 2,204 |
| Cost of funding earning assets | 2.2168% | 2,328 |
| Net interest margin | 3.7411% | 3,904 |
| Noninterest income to average assets | 1.3337% | 865 |
| Noninterest expense to average assets | 2.7419% | 5,140 |
| Loan and lease loss provision to assets | 0.9751% | 1,971 |
| Net operating income to assets | 0.7865% | 2,871 |
| Return on assets (ROA) | 0.7865% | 2,933 |
| Pretax return on assets | 1.0177% | 2,849 |
| Return on Equity (ROE) | 8.3823% | 2,492 |
| Retained earnings to average equity (ytd only) | 2.8731% | 3,723 |
| Net charge-offs to loans | 1.0895% | 1,829 |
| Credit loss provision to net charge-offs | 134.0235% | 3,717 |
| Earnings coverage of net charge-offs (x) | 2.7391% | 3,857 |
| Efficiency ratio | 57.4316% | 6,800 |
| Assets per employee ($millions) | 4.7115% | 2,539 |
| Cash dividends to net income (ytd only)* | 65.7236% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 3,079 |
| Loan loss allowance to noncurrent loans | 81.0336% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.4291% | 4,243 |
| Noncurrent loans to loans | 1.9486% | 3,706 |
| Net loans and leases to total assets | 65.7893% | 4,468 |
| Net loans and leases to deposits | 99.9261% | 1,108 |
| Net loans and leases to core deposits | 133.0766% | 1,263 |
| Total domestic deposits to total assets | 65.8380% | 7,693 |
| Equity capital to assets | 9.7164% | 4,477 |
| Core capital (leverage) ratio | 8.7874% | 4,996 |
| Tier 1 risk-based capital ratio | 12.0375% | 4,937 |
| Total risk-based capital ratio | 13.2901% | 4,877 |
| Memoranda: | ||
| Average total assets | $1,354,087,250 | 515 |
| Average earning assets | $1,230,983,750 | 511 |
| Average equity | $127,058,500 | 534 |
| Average total loans | $904,207,500 | 542 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0905% | 1,821 |
| Cost of funding earning assets | 2.2807% | 2,446 |
| Net interest margin | 3.8098% | 3,515 |
| Noninterest income to average assets | 1.3234% | 876 |
| Noninterest expense to average assets | 2.7949% | 4,981 |
| Loan and lease loss provision to assets | 0.9528% | 1,775 |
| Net operating income to assets | 0.7867% | 2,903 |
| Return on assets (ROA) | 0.7867% | 2,997 |
| Pretax return on assets | 1.0230% | 2,916 |
| Return on Equity (ROE) | 8.7314% | 2,456 |
| Retained earnings to average equity (ytd only) | 5.8785% | 2,077 |
| Net charge-offs to loans | 1.1513% | 1,585 |
| Credit loss provision to net charge-offs | 123.6090% | 3,762 |
| Earnings coverage of net charge-offs (x) | 2.5633% | 3,785 |
| Efficiency ratio | 58.1109% | 6,851 |
| Assets per employee ($millions) | 4.6406% | 2,539 |
| Cash dividends to net income (ytd only)* | 32.6736% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3973% | 3,738 |
| Loan loss allowance to noncurrent loans | 91.2297% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1988% | 4,542 |
| Noncurrent loans to loans | 1.5317% | 4,200 |
| Net loans and leases to total assets | 66.5530% | 4,449 |
| Net loans and leases to deposits | 104.4065% | 882 |
| Net loans and leases to core deposits | 134.7395% | 1,274 |
| Total domestic deposits to total assets | 63.7442% | 7,842 |
| Equity capital to assets | 9.2517% | 4,937 |
| Core capital (leverage) ratio | 8.2154% | 5,959 |
| Tier 1 risk-based capital ratio | 11.9343% | 4,975 |
| Total risk-based capital ratio | 13.1851% | 4,890 |
| Memoranda: | ||
| Average total assets | $1,361,678,330 | 522 |
| Average earning assets | $1,232,149,670 | 523 |
| Average equity | $122,684,000 | 558 |
| Average total loans | $911,667,330 | 548 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0736% | 2,050 |
| Cost of funding earning assets | 2.2321% | 3,004 |
| Net interest margin | 3.8414% | 3,291 |
| Noninterest income to average assets | 1.3103% | 832 |
| Noninterest expense to average assets | 2.6975% | 5,019 |
| Loan and lease loss provision to assets | 0.9321% | 1,394 |
| Net operating income to assets | 0.8633% | 2,869 |
| Return on assets (ROA) | 0.8633% | 3,019 |
| Pretax return on assets | 1.1242% | 2,895 |
| Return on Equity (ROE) | 9.7093% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.7093% | 1,273 |
| Net charge-offs to loans | 1.3195% | 1,063 |
| Credit loss provision to net charge-offs | 105.9311% | 3,592 |
| Earnings coverage of net charge-offs (x) | 2.3370% | 3,564 |
| Efficiency ratio | 56.2711% | 6,933 |
| Assets per employee ($millions) | 5.1966% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 4,587 |
| Loan loss allowance to noncurrent loans | 110.7088% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 4,932 |
| Noncurrent loans to loans | 1.1114% | 4,758 |
| Net loans and leases to total assets | 64.6258% | 4,882 |
| Net loans and leases to deposits | 94.5609% | 2,178 |
| Net loans and leases to core deposits | 122.0028% | 2,256 |
| Total domestic deposits to total assets | 68.3431% | 7,571 |
| Equity capital to assets | 8.6179% | 5,889 |
| Core capital (leverage) ratio | 8.5141% | 5,503 |
| Tier 1 risk-based capital ratio | 11.4450% | 5,465 |
| Total risk-based capital ratio | 12.6076% | 5,448 |
| Memoranda: | ||
| Average total assets | $1,371,944,000 | 524 |
| Average earning assets | $1,229,850,000 | 528 |
| Average equity | $121,986,500 | 562 |
| Average total loans | $914,889,500 | 551 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2297% | 4,356 |
| Cost of funding earning assets | 2.7592% | 2,878 |
| Net interest margin | 3.4705% | 5,400 |
| Noninterest income to average assets | 1.1119% | 1,266 |
| Noninterest expense to average assets | 2.5923% | 5,681 |
| Loan and lease loss provision to assets | 0.6111% | 2,382 |
| Net operating income to assets | 0.8408% | 3,263 |
| Return on assets (ROA) | 0.8398% | 3,105 |
| Pretax return on assets | 1.0662% | 3,155 |
| Return on Equity (ROE) | 10.3091% | 2,155 |
| Retained earnings to average equity (ytd only) | 4.1633% | 2,538 |
| Net charge-offs to loans | 0.6834% | 1,798 |
| Credit loss provision to net charge-offs | 127.2147% | 4,194 |
| Earnings coverage of net charge-offs (x) | 3.4942% | 4,340 |
| Efficiency ratio | 60.0983% | 6,324 |
| Assets per employee ($millions) | 4.8491% | 2,115 |
| Cash dividends to net income (ytd only)* | 59.6154% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2850% | 3,893 |
| Loan loss allowance to noncurrent loans | 130.8036% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8812% | 4,648 |
| Noncurrent loans to loans | 0.9824% | 4,630 |
| Net loans and leases to total assets | 67.1955% | 4,601 |
| Net loans and leases to deposits | 103.4117% | 1,411 |
| Net loans and leases to core deposits | 124.7154% | 2,270 |
| Total domestic deposits to total assets | 64.9787% | 7,725 |
| Equity capital to assets | 9.1934% | 5,091 |
| Core capital (leverage) ratio | 9.4387% | 4,103 |
| Tier 1 risk-based capital ratio | 11.8869% | 4,911 |
| Total risk-based capital ratio | 13.1073% | 4,837 |
| Memoranda: | ||
| Average total assets | $1,238,376,200 | 546 |
| Average earning assets | $1,127,244,800 | 542 |
| Average equity | $100,882,200 | 661 |
| Average total loans | $870,496,800 | 563 |