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IncredibleBank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 1,227 |
| Cost of funding earning assets | 2.1524% | 695 |
| Net interest margin | 3.3047% | 2,624 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.7190% | 1,692 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 0.5686% | 3,518 |
| Return on assets (ROA) | 0.5634% | 3,517 |
| Pretax return on assets | 0.7360% | 3,364 |
| Return on Equity (ROE) | 8.2500% | 2,959 |
| Retained earnings to average equity (ytd only) | -2.1286% | 4,277 |
| Net charge-offs to loans | 0.2321% | 464 |
| Credit loss provision to net charge-offs | 181.5234% | 1,303 |
| Earnings coverage of net charge-offs (x) | 6.1370% | 2,494 |
| Efficiency ratio | 72.1069% | 1,648 |
| Assets per employee ($millions) | 7.9597% | 1,461 |
| Cash dividends to net income (ytd only)* | 125.7978% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,331 |
| Loan loss allowance to noncurrent loans | 108.2088% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 0.8164% | 622 |
| Noncurrent loans to loans | 1.1037% | 662 |
| Net loans and leases to total assets | 72.2200% | 1,553 |
| Net loans and leases to deposits | 84.5665% | 1,732 |
| Net loans and leases to core deposits | 101.9606% | 1,330 |
| Total domestic deposits to total assets | 85.4000% | 2,187 |
| Equity capital to assets | 6.9728% | 3,952 |
| Core capital (leverage) ratio | 8.1196% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2053% | 2,784 |
| Memoranda: | ||
| Average total assets | $1,918,743,800 | 594 |
| Average earning assets | $1,768,031,000 | 584 |
| Average equity | $131,024,200 | 757 |
| Average total loans | $1,408,278,800 | 547 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3781% | 1,164 |
| Cost of funding earning assets | 2.0735% | 624 |
| Net interest margin | 3.3046% | 2,676 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.7598% | 1,522 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.7022% | 3,323 |
| Return on assets (ROA) | 0.6977% | 3,312 |
| Pretax return on assets | 0.9384% | 3,014 |
| Return on Equity (ROE) | 10.2700% | 2,568 |
| Retained earnings to average equity (ytd only) | -0.0216% | 4,147 |
| Net charge-offs to loans | 0.1141% | 701 |
| Credit loss provision to net charge-offs | 89.1576% | 1,696 |
| Earnings coverage of net charge-offs (x) | 12.0534% | 2,080 |
| Efficiency ratio | 73.0788% | 1,445 |
| Assets per employee ($millions) | 7.7910% | 1,450 |
| Cash dividends to net income (ytd only)* | 100.2104% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,276 |
| Loan loss allowance to noncurrent loans | 103.0186% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7463% | 753 |
| Noncurrent loans to loans | 0.9869% | 826 |
| Net loans and leases to total assets | 73.5900% | 1,392 |
| Net loans and leases to deposits | 83.1954% | 1,812 |
| Net loans and leases to core deposits | 99.2869% | 1,358 |
| Total domestic deposits to total assets | 88.4500% | 1,427 |
| Equity capital to assets | 6.4604% | 3,845 |
| Core capital (leverage) ratio | 8.2211% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3957% | 2,753 |
| Memoranda: | ||
| Average total assets | $1,906,920,000 | 599 |
| Average earning assets | $1,757,263,250 | 586 |
| Average equity | $129,508,250 | 763 |
| Average total loans | $1,401,094,500 | 550 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2304% | 1,172 |
| Cost of funding earning assets | 1.9740% | 520 |
| Net interest margin | 3.2564% | 2,853 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.5145% | 2,163 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9455% | 2,600 |
| Return on assets (ROA) | 0.9422% | 2,599 |
| Pretax return on assets | 1.1663% | 2,459 |
| Return on Equity (ROE) | 13.4600% | 1,799 |
| Retained earnings to average equity (ytd only) | 3.8810% | 3,234 |
| Net charge-offs to loans | 0.0863% | 749 |
| Credit loss provision to net charge-offs | 45.4395% | 1,692 |
| Earnings coverage of net charge-offs (x) | 19.1973% | 1,748 |
| Efficiency ratio | 67.3403% | 2,065 |
| Assets per employee ($millions) | 7.6871% | 1,479 |
| Cash dividends to net income (ytd only)* | 71.1665% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,395 |
| Loan loss allowance to noncurrent loans | 177.0904% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 1,267 |
| Noncurrent loans to loans | 0.5674% | 1,320 |
| Net loans and leases to total assets | 71.5000% | 1,585 |
| Net loans and leases to deposits | 81.1123% | 1,898 |
| Net loans and leases to core deposits | 96.9886% | 1,415 |
| Total domestic deposits to total assets | 88.1500% | 1,551 |
| Equity capital to assets | 7.2327% | 3,675 |
| Core capital (leverage) ratio | 8.4588% | 4,157 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5908% | 2,739 |
| Memoranda: | ||
| Average total assets | $1,908,890,333 | 583 |
| Average earning assets | $1,759,892,333 | 576 |
| Average equity | $133,623,667 | 729 |
| Average total loans | $1,397,041,667 | 536 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1729% | 990 |
| Cost of funding earning assets | 1.8218% | 431 |
| Net interest margin | 3.3511% | 2,748 |
| Noninterest income to average assets | 0.6900% | 1,130 |
| Noninterest expense to average assets | 2.4188% | 2,474 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.0952% | 2,246 |
| Return on assets (ROA) | 1.0882% | 2,232 |
| Pretax return on assets | 1.3030% | 2,163 |
| Return on Equity (ROE) | 15.8200% | 1,394 |
| Retained earnings to average equity (ytd only) | 5.3426% | 2,940 |
| Net charge-offs to loans | 0.1177% | 538 |
| Credit loss provision to net charge-offs | 50.1222% | 1,299 |
| Earnings coverage of net charge-offs (x) | 15.6259% | 1,536 |
| Efficiency ratio | 63.9760% | 2,464 |
| Assets per employee ($millions) | 7.1166% | 1,882 |
| Cash dividends to net income (ytd only)* | 66.2252% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 3,405 |
| Loan loss allowance to noncurrent loans | 140.7998% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 932 |
| Noncurrent loans to loans | 0.7289% | 1,046 |
| Net loans and leases to total assets | 73.3700% | 1,280 |
| Net loans and leases to deposits | 83.4902% | 1,535 |
| Net loans and leases to core deposits | 95.5681% | 1,310 |
| Total domestic deposits to total assets | 87.8800% | 1,965 |
| Equity capital to assets | 7.0029% | 3,826 |
| Core capital (leverage) ratio | 7.9404% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0057% | 2,944 |
| Memoranda: | ||
| Average total assets | $1,887,067,500 | 607 |
| Average earning assets | $1,738,528,000 | 599 |
| Average equity | $129,824,500 | 763 |
| Average total loans | $1,390,464,500 | 549 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 707 |
| Cost of funding earning assets | 0.5181% | 1,278 |
| Net interest margin | 3.9914% | 798 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.8565% | 1,206 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.4164% | 1,089 |
| Return on assets (ROA) | 1.4173% | 1,055 |
| Pretax return on assets | 1.5818% | 1,208 |
| Return on Equity (ROE) | 18.8800% | 588 |
| Retained earnings to average equity (ytd only) | 9.9511% | 1,171 |
| Net charge-offs to loans | -0.0092% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 63.6979% | 2,537 |
| Assets per employee ($millions) | 7.0722% | 1,918 |
| Cash dividends to net income (ytd only)* | 47.3044% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 3,748 |
| Loan loss allowance to noncurrent loans | 145.9582% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 1,117 |
| Noncurrent loans to loans | 0.6202% | 1,200 |
| Net loans and leases to total assets | 72.5800% | 1,356 |
| Net loans and leases to deposits | 86.6141% | 1,267 |
| Net loans and leases to core deposits | 93.6243% | 1,312 |
| Total domestic deposits to total assets | 83.7900% | 3,253 |
| Equity capital to assets | 6.7576% | 3,784 |
| Core capital (leverage) ratio | 8.0134% | 4,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9065% | 2,979 |
| Memoranda: | ||
| Average total assets | $1,804,756,800 | 605 |
| Average earning assets | $1,662,746,600 | 599 |
| Average equity | $135,453,000 | 726 |
| Average total loans | $1,319,884,800 | 530 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 595 |
| Cost of funding earning assets | 0.3373% | 1,801 |
| Net interest margin | 4.0554% | 569 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 2.8960% | 1,066 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 1.5297% | 783 |
| Return on assets (ROA) | 1.5304% | 761 |
| Pretax return on assets | 1.6376% | 1,036 |
| Return on Equity (ROE) | 19.8600% | 444 |
| Retained earnings to average equity (ytd only) | 11.3183% | 963 |
| Net charge-offs to loans | -0.0219% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.0793% | 2,673 |
| Assets per employee ($millions) | 6.8604% | 2,053 |
| Cash dividends to net income (ytd only)* | 43.0213% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 3,743 |
| Loan loss allowance to noncurrent loans | 244.6211% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 1,820 |
| Noncurrent loans to loans | 0.3840% | 1,860 |
| Net loans and leases to total assets | 72.9300% | 1,186 |
| Net loans and leases to deposits | 81.9898% | 1,444 |
| Net loans and leases to core deposits | 86.5317% | 1,497 |
| Total domestic deposits to total assets | 88.9500% | 2,114 |
| Equity capital to assets | 6.7878% | 3,621 |
| Core capital (leverage) ratio | 8.0931% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0433% | 3,033 |
| Memoranda: | ||
| Average total assets | $1,782,106,500 | 617 |
| Average earning assets | $1,643,266,500 | 609 |
| Average equity | $137,296,250 | 725 |
| Average total loans | $1,302,813,750 | 532 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2452% | 571 |
| Cost of funding earning assets | 0.2493% | 2,281 |
| Net interest margin | 3.9959% | 501 |
| Noninterest income to average assets | 0.8907% | 863 |
| Noninterest expense to average assets | 2.9156% | 966 |
| Loan and lease loss provision to assets | 0.0730% | 1,318 |
| Net operating income to assets | 1.6371% | 501 |
| Return on assets (ROA) | 1.6387% | 490 |
| Pretax return on assets | 1.5943% | 951 |
| Return on Equity (ROE) | 20.4342% | 281 |
| Retained earnings to average equity (ytd only) | 12.3931% | 549 |
| Net charge-offs to loans | -0.0673% | 4,338 |
| Credit loss provision to net charge-offs | -148.6175% | 3,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5362% | 2,835 |
| Assets per employee ($millions) | 6.4428% | 2,353 |
| Cash dividends to net income (ytd only)* | 39.3511% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 3,655 |
| Loan loss allowance to noncurrent loans | 438.6986% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 2,554 |
| Noncurrent loans to loans | 0.2251% | 2,597 |
| Net loans and leases to total assets | 72.2397% | 1,081 |
| Net loans and leases to deposits | 83.9697% | 1,123 |
| Net loans and leases to core deposits | 88.8454% | 1,181 |
| Total domestic deposits to total assets | 86.0306% | 3,238 |
| Equity capital to assets | 7.3867% | 3,541 |
| Core capital (leverage) ratio | 8.1907% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1838% | 2,988 |
| Memoranda: | ||
| Average total assets | $1,767,852,333 | 615 |
| Average earning assets | $1,632,754,333 | 612 |
| Average equity | $141,772,000 | 715 |
| Average total loans | $1,289,248,667 | 530 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 545 |
| Cost of funding earning assets | 0.2331% | 2,347 |
| Net interest margin | 3.9426% | 458 |
| Noninterest income to average assets | 0.8991% | 840 |
| Noninterest expense to average assets | 2.9703% | 857 |
| Loan and lease loss provision to assets | 0.1396% | 578 |
| Net operating income to assets | 1.9391% | 245 |
| Return on assets (ROA) | 1.9393% | 249 |
| Pretax return on assets | 1.4469% | 1,138 |
| Return on Equity (ROE) | 23.2573% | 117 |
| Retained earnings to average equity (ytd only) | 15.6373% | 251 |
| Net charge-offs to loans | -0.0797% | 4,399 |
| Credit loss provision to net charge-offs | -240.2344% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0779% | 2,897 |
| Assets per employee ($millions) | 6.9029% | 2,061 |
| Cash dividends to net income (ytd only)* | 32.7639% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,752 |
| Loan loss allowance to noncurrent loans | 339.6765% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 2,374 |
| Noncurrent loans to loans | 0.2931% | 2,419 |
| Net loans and leases to total assets | 70.9112% | 933 |
| Net loans and leases to deposits | 81.4129% | 1,048 |
| Net loans and leases to core deposits | 83.9986% | 1,241 |
| Total domestic deposits to total assets | 87.1008% | 2,893 |
| Equity capital to assets | 8.0224% | 3,550 |
| Core capital (leverage) ratio | 8.0736% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4630% | 2,987 |
| Memoranda: | ||
| Average total assets | $1,762,666,500 | 616 |
| Average earning assets | $1,635,179,000 | 613 |
| Average equity | $146,982,000 | 721 |
| Average total loans | $1,285,176,500 | 527 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3174% | 830 |
| Cost of funding earning assets | 0.3068% | 2,341 |
| Net interest margin | 4.0106% | 690 |
| Noninterest income to average assets | 1.3106% | 627 |
| Noninterest expense to average assets | 2.9872% | 1,002 |
| Loan and lease loss provision to assets | 0.0729% | 1,640 |
| Net operating income to assets | 1.9665% | 357 |
| Return on assets (ROA) | 1.9939% | 362 |
| Pretax return on assets | 1.9939% | 607 |
| Return on Equity (ROE) | 23.1163% | 171 |
| Retained earnings to average equity (ytd only) | 8.1987% | 1,462 |
| Net charge-offs to loans | 0.0623% | 1,159 |
| Credit loss provision to net charge-offs | 156.7332% | 1,464 |
| Earnings coverage of net charge-offs (x) | 43.8703% | 1,378 |
| Efficiency ratio | 59.3282% | 3,251 |
| Assets per employee ($millions) | 6.9494% | 1,961 |
| Cash dividends to net income (ytd only)* | 64.5330% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 4,067 |
| Loan loss allowance to noncurrent loans | 419.4137% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 2,765 |
| Noncurrent loans to loans | 0.2144% | 2,886 |
| Net loans and leases to total assets | 73.5368% | 703 |
| Net loans and leases to deposits | 85.0735% | 849 |
| Net loans and leases to core deposits | 88.4219% | 1,048 |
| Total domestic deposits to total assets | 86.4391% | 2,742 |
| Equity capital to assets | 8.6565% | 3,928 |
| Core capital (leverage) ratio | 7.9549% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9633% | 3,049 |
| Memoranda: | ||
| Average total assets | $1,725,288,200 | 607 |
| Average earning assets | $1,598,523,400 | 600 |
| Average equity | $148,817,000 | 720 |
| Average total loans | $1,287,668,600 | 522 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 894 |
| Cost of funding earning assets | 0.3295% | 2,306 |
| Net interest margin | 4.0145% | 775 |
| Noninterest income to average assets | 1.3472% | 656 |
| Noninterest expense to average assets | 3.0556% | 885 |
| Loan and lease loss provision to assets | 0.0960% | 1,245 |
| Net operating income to assets | 1.9116% | 546 |
| Return on assets (ROA) | 1.9479% | 534 |
| Pretax return on assets | 1.9479% | 869 |
| Return on Equity (ROE) | 22.6028% | 270 |
| Retained earnings to average equity (ytd only) | 8.9069% | 1,732 |
| Net charge-offs to loans | 0.0539% | 1,115 |
| Credit loss provision to net charge-offs | 238.3430% | 1,124 |
| Earnings coverage of net charge-offs (x) | 49.8170% | 1,244 |
| Efficiency ratio | 60.2491% | 2,949 |
| Assets per employee ($millions) | 6.7566% | 2,048 |
| Cash dividends to net income (ytd only)* | 60.5940% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 4,037 |
| Loan loss allowance to noncurrent loans | 354.4326% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 2,525 |
| Noncurrent loans to loans | 0.2648% | 2,864 |
| Net loans and leases to total assets | 72.9001% | 785 |
| Net loans and leases to deposits | 84.2741% | 944 |
| Net loans and leases to core deposits | 86.9324% | 1,220 |
| Total domestic deposits to total assets | 86.5037% | 2,554 |
| Equity capital to assets | 8.7007% | 4,068 |
| Core capital (leverage) ratio | 7.7360% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2860% | 3,061 |
| Memoranda: | ||
| Average total assets | $1,717,062,750 | 613 |
| Average earning assets | $1,589,415,250 | 605 |
| Average equity | $147,972,000 | 733 |
| Average total loans | $1,283,423,750 | 536 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 971 |
| Cost of funding earning assets | 0.3644% | 2,186 |
| Net interest margin | 3.9557% | 878 |
| Noninterest income to average assets | 1.3344% | 665 |
| Noninterest expense to average assets | 2.9874% | 1,010 |
| Loan and lease loss provision to assets | 0.1433% | 845 |
| Net operating income to assets | 1.8637% | 630 |
| Return on assets (ROA) | 1.8685% | 656 |
| Pretax return on assets | 1.8685% | 1,080 |
| Return on Equity (ROE) | 21.7525% | 337 |
| Retained earnings to average equity (ytd only) | 7.3243% | 2,315 |
| Net charge-offs to loans | 0.0412% | 1,221 |
| Credit loss provision to net charge-offs | 462.6415% | 708 |
| Earnings coverage of net charge-offs (x) | 64.7774% | 932 |
| Efficiency ratio | 59.7139% | 3,054 |
| Assets per employee ($millions) | 6.4004% | 2,235 |
| Cash dividends to net income (ytd only)* | 66.3288% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9615% | 3,960 |
| Loan loss allowance to noncurrent loans | 233.0857% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.3389% | 2,234 |
| Noncurrent loans to loans | 0.4125% | 2,441 |
| Net loans and leases to total assets | 72.6669% | 885 |
| Net loans and leases to deposits | 83.7543% | 1,082 |
| Net loans and leases to core deposits | 86.6893% | 1,371 |
| Total domestic deposits to total assets | 86.7620% | 2,440 |
| Equity capital to assets | 8.6046% | 4,127 |
| Core capital (leverage) ratio | 7.5809% | 4,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4435% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,710,598,333 | 612 |
| Average earning assets | $1,582,728,000 | 605 |
| Average equity | $146,934,667 | 731 |
| Average total loans | $1,285,274,000 | 541 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 918 |
| Cost of funding earning assets | 0.3943% | 2,143 |
| Net interest margin | 4.0005% | 840 |
| Noninterest income to average assets | 1.6792% | 501 |
| Noninterest expense to average assets | 3.1510% | 774 |
| Loan and lease loss provision to assets | 0.1448% | 915 |
| Net operating income to assets | 2.0814% | 510 |
| Return on assets (ROA) | 2.0861% | 542 |
| Pretax return on assets | 2.0861% | 823 |
| Return on Equity (ROE) | 24.3082% | 282 |
| Retained earnings to average equity (ytd only) | 7.8448% | 2,302 |
| Net charge-offs to loans | 0.1059% | 656 |
| Credit loss provision to net charge-offs | 179.8246% | 923 |
| Earnings coverage of net charge-offs (x) | 27.6433% | 1,128 |
| Efficiency ratio | 58.5023% | 3,235 |
| Assets per employee ($millions) | 6.5896% | 2,105 |
| Cash dividends to net income (ytd only)* | 67.7277% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,195 |
| Loan loss allowance to noncurrent loans | 214.3467% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3726% | 2,305 |
| Noncurrent loans to loans | 0.4131% | 2,620 |
| Net loans and leases to total assets | 74.0343% | 808 |
| Net loans and leases to deposits | 86.4215% | 934 |
| Net loans and leases to core deposits | 89.4408% | 1,263 |
| Total domestic deposits to total assets | 85.6665% | 2,866 |
| Equity capital to assets | 8.3029% | 4,275 |
| Core capital (leverage) ratio | 7.5815% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3614% | 3,032 |
| Memoranda: | ||
| Average total assets | $1,698,643,500 | 607 |
| Average earning assets | $1,570,217,500 | 598 |
| Average equity | $145,778,000 | 729 |
| Average total loans | $1,291,586,000 | 539 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7422% | 825 |
| Cost of funding earning assets | 0.6019% | 2,292 |
| Net interest margin | 4.1403% | 727 |
| Noninterest income to average assets | 1.5406% | 514 |
| Noninterest expense to average assets | 3.2825% | 925 |
| Loan and lease loss provision to assets | 0.3364% | 1,043 |
| Net operating income to assets | 1.7184% | 476 |
| Return on assets (ROA) | 1.7235% | 509 |
| Pretax return on assets | 1.7235% | 812 |
| Return on Equity (ROE) | 19.5003% | 256 |
| Retained earnings to average equity (ytd only) | 5.6892% | 1,954 |
| Net charge-offs to loans | 0.1494% | 1,092 |
| Credit loss provision to net charge-offs | 291.4097% | 1,770 |
| Earnings coverage of net charge-offs (x) | 17.7979% | 2,054 |
| Efficiency ratio | 61.2636% | 3,266 |
| Assets per employee ($millions) | 6.4243% | 1,976 |
| Cash dividends to net income (ytd only)* | 70.8252% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8818% | 4,239 |
| Loan loss allowance to noncurrent loans | 193.2808% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.4737% | 2,140 |
| Noncurrent loans to loans | 0.4562% | 2,601 |
| Net loans and leases to total assets | 76.7713% | 716 |
| Net loans and leases to deposits | 90.9004% | 858 |
| Net loans and leases to core deposits | 94.8999% | 1,186 |
| Total domestic deposits to total assets | 84.4566% | 2,959 |
| Equity capital to assets | 8.8772% | 4,167 |
| Core capital (leverage) ratio | 7.6289% | 4,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0849% | 3,078 |
| Memoranda: | ||
| Average total assets | $1,572,915,800 | 594 |
| Average earning assets | $1,442,380,000 | 584 |
| Average equity | $139,018,400 | 724 |
| Average total loans | $1,215,134,800 | 544 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,254 |
| Cost of funding earning assets | 0.6536% | 2,307 |
| Net interest margin | 3.9659% | 1,193 |
| Noninterest income to average assets | 1.4140% | 566 |
| Noninterest expense to average assets | 3.2164% | 1,049 |
| Loan and lease loss provision to assets | 0.3288% | 1,187 |
| Net operating income to assets | 1.5042% | 899 |
| Return on assets (ROA) | 1.5082% | 969 |
| Pretax return on assets | 1.5082% | 1,431 |
| Return on Equity (ROE) | 17.0839% | 442 |
| Retained earnings to average equity (ytd only) | 2.4997% | 3,743 |
| Net charge-offs to loans | 0.1260% | 1,125 |
| Credit loss provision to net charge-offs | 338.0406% | 1,642 |
| Earnings coverage of net charge-offs (x) | 18.8482% | 1,952 |
| Efficiency ratio | 63.4443% | 2,836 |
| Assets per employee ($millions) | 6.2813% | 2,017 |
| Cash dividends to net income (ytd only)* | 85.3679% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,408 |
| Loan loss allowance to noncurrent loans | 194.3529% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.4790% | 2,288 |
| Noncurrent loans to loans | 0.4018% | 2,853 |
| Net loans and leases to total assets | 78.6396% | 754 |
| Net loans and leases to deposits | 96.4626% | 729 |
| Net loans and leases to core deposits | 101.7735% | 1,043 |
| Total domestic deposits to total assets | 81.5234% | 3,537 |
| Equity capital to assets | 8.3388% | 4,553 |
| Core capital (leverage) ratio | 7.1370% | 4,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8202% | 3,103 |
| Memoranda: | ||
| Average total assets | $1,553,386,250 | 585 |
| Average earning assets | $1,423,910,250 | 576 |
| Average equity | $137,131,500 | 727 |
| Average total loans | $1,199,219,250 | 539 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,417 |
| Cost of funding earning assets | 0.7412% | 2,173 |
| Net interest margin | 3.9544% | 1,434 |
| Noninterest income to average assets | 1.2166% | 677 |
| Noninterest expense to average assets | 3.1990% | 1,161 |
| Loan and lease loss provision to assets | 0.3174% | 1,345 |
| Net operating income to assets | 1.3183% | 1,312 |
| Return on assets (ROA) | 1.3230% | 1,399 |
| Pretax return on assets | 1.3230% | 1,954 |
| Return on Equity (ROE) | 14.6808% | 761 |
| Retained earnings to average equity (ytd only) | -1.5313% | 4,542 |
| Net charge-offs to loans | 0.0935% | 1,324 |
| Credit loss provision to net charge-offs | 444.2379% | 1,316 |
| Earnings coverage of net charge-offs (x) | 22.8922% | 1,616 |
| Efficiency ratio | 65.8947% | 2,533 |
| Assets per employee ($millions) | 6.0451% | 2,144 |
| Cash dividends to net income (ytd only)* | 110.4307% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7354% | 4,498 |
| Loan loss allowance to noncurrent loans | 161.8648% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 2,185 |
| Noncurrent loans to loans | 0.4543% | 2,787 |
| Net loans and leases to total assets | 78.6593% | 761 |
| Net loans and leases to deposits | 95.2461% | 856 |
| Net loans and leases to core deposits | 117.2322% | 495 |
| Total domestic deposits to total assets | 82.5854% | 3,208 |
| Equity capital to assets | 8.3070% | 4,586 |
| Core capital (leverage) ratio | 7.1235% | 4,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7141% | 3,185 |
| Memoranda: | ||
| Average total assets | $1,505,862,333 | 589 |
| Average earning assets | $1,377,802,000 | 586 |
| Average equity | $135,701,000 | 727 |
| Average total loans | $1,150,895,000 | 549 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 1,286 |
| Cost of funding earning assets | 0.8885% | 1,929 |
| Net interest margin | 3.9717% | 1,470 |
| Noninterest income to average assets | 1.2481% | 565 |
| Noninterest expense to average assets | 3.2794% | 1,261 |
| Loan and lease loss provision to assets | 0.1952% | 1,549 |
| Net operating income to assets | 1.3893% | 1,013 |
| Return on assets (ROA) | 1.3974% | 1,064 |
| Pretax return on assets | 1.3974% | 1,571 |
| Return on Equity (ROE) | 14.8359% | 570 |
| Retained earnings to average equity (ytd only) | -5.9427% | 4,587 |
| Net charge-offs to loans | 0.0920% | 1,142 |
| Credit loss provision to net charge-offs | 283.7398% | 1,216 |
| Earnings coverage of net charge-offs (x) | 23.0366% | 1,339 |
| Efficiency ratio | 67.1361% | 2,801 |
| Assets per employee ($millions) | 5.5563% | 2,058 |
| Cash dividends to net income (ytd only)* | 140.0560% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 4,481 |
| Loan loss allowance to noncurrent loans | 131.7369% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6633% | 2,014 |
| Noncurrent loans to loans | 0.5799% | 2,552 |
| Net loans and leases to total assets | 73.3505% | 1,720 |
| Net loans and leases to deposits | 91.0054% | 1,405 |
| Net loans and leases to core deposits | 113.4059% | 690 |
| Total domestic deposits to total assets | 80.6002% | 3,745 |
| Equity capital to assets | 9.2461% | 4,436 |
| Core capital (leverage) ratio | 8.1075% | 4,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5386% | 3,372 |
| Memoranda: | ||
| Average total assets | $1,430,614,000 | 594 |
| Average earning assets | $1,302,410,000 | 592 |
| Average equity | $134,754,500 | 723 |
| Average total loans | $1,070,076,000 | 562 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0610% | 1,308 |
| Cost of funding earning assets | 1.0406% | 1,553 |
| Net interest margin | 4.0204% | 1,783 |
| Noninterest income to average assets | 1.5203% | 403 |
| Noninterest expense to average assets | 3.4284% | 1,068 |
| Loan and lease loss provision to assets | 0.1888% | 1,087 |
| Net operating income to assets | 1.5667% | 901 |
| Return on assets (ROA) | 1.5668% | 963 |
| Pretax return on assets | 1.5668% | 1,599 |
| Return on Equity (ROE) | 16.7390% | 449 |
| Retained earnings to average equity (ytd only) | 4.5510% | 2,680 |
| Net charge-offs to loans | 0.1152% | 1,587 |
| Credit loss provision to net charge-offs | 216.7082% | 1,219 |
| Earnings coverage of net charge-offs (x) | 20.1463% | 1,954 |
| Efficiency ratio | 65.8572% | 2,795 |
| Assets per employee ($millions) | 5.4261% | 2,134 |
| Cash dividends to net income (ytd only)* | 72.8122% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7358% | 4,496 |
| Loan loss allowance to noncurrent loans | 120.9302% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 1,842 |
| Noncurrent loans to loans | 0.6085% | 2,363 |
| Net loans and leases to total assets | 75.1630% | 1,557 |
| Net loans and leases to deposits | 91.3929% | 1,445 |
| Net loans and leases to core deposits | 108.2200% | 964 |
| Total domestic deposits to total assets | 82.2416% | 3,444 |
| Equity capital to assets | 9.6002% | 4,271 |
| Core capital (leverage) ratio | 8.4504% | 4,866 |
| Tier 1 risk-based capital ratio | 10.1777% | 5,096 |
| Total risk-based capital ratio | 10.8701% | 5,134 |
| Memoranda: | ||
| Average total assets | $1,380,566,400 | 589 |
| Average earning assets | $1,258,020,800 | 590 |
| Average equity | $129,225,400 | 712 |
| Average total loans | $1,043,960,200 | 552 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 1,421 |
| Cost of funding earning assets | 1.0737% | 1,454 |
| Net interest margin | 3.9753% | 2,035 |
| Noninterest income to average assets | 1.4299% | 446 |
| Noninterest expense to average assets | 3.3235% | 1,219 |
| Loan and lease loss provision to assets | 0.2121% | 819 |
| Net operating income to assets | 1.5189% | 1,139 |
| Return on assets (ROA) | 1.5209% | 1,189 |
| Pretax return on assets | 1.5209% | 1,900 |
| Return on Equity (ROE) | 16.3551% | 557 |
| Retained earnings to average equity (ytd only) | 4.6304% | 3,089 |
| Net charge-offs to loans | 0.0954% | 1,520 |
| Credit loss provision to net charge-offs | 294.2204% | 963 |
| Earnings coverage of net charge-offs (x) | 24.0066% | 1,813 |
| Efficiency ratio | 65.4657% | 2,798 |
| Assets per employee ($millions) | 5.4946% | 2,038 |
| Cash dividends to net income (ytd only)* | 71.6880% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 4,554 |
| Loan loss allowance to noncurrent loans | 134.0571% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 2,030 |
| Noncurrent loans to loans | 0.5573% | 2,623 |
| Net loans and leases to total assets | 75.5351% | 1,557 |
| Net loans and leases to deposits | 91.6883% | 1,477 |
| Net loans and leases to core deposits | 107.3114% | 1,098 |
| Total domestic deposits to total assets | 82.3824% | 3,363 |
| Equity capital to assets | 9.6743% | 4,313 |
| Core capital (leverage) ratio | 8.3083% | 5,027 |
| Tier 1 risk-based capital ratio | 10.2265% | 5,146 |
| Total risk-based capital ratio | 10.9351% | 5,196 |
| Memoranda: | ||
| Average total assets | $1,375,726,500 | 594 |
| Average earning assets | $1,254,368,500 | 593 |
| Average equity | $127,932,750 | 712 |
| Average total loans | $1,039,943,500 | 556 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9996% | 1,488 |
| Cost of funding earning assets | 1.0721% | 1,413 |
| Net interest margin | 3.9275% | 2,163 |
| Noninterest income to average assets | 1.3170% | 507 |
| Noninterest expense to average assets | 3.2532% | 1,389 |
| Loan and lease loss provision to assets | 0.2262% | 727 |
| Net operating income to assets | 1.4227% | 1,369 |
| Return on assets (ROA) | 1.4211% | 1,425 |
| Pretax return on assets | 1.4211% | 2,142 |
| Return on Equity (ROE) | 15.4905% | 669 |
| Retained earnings to average equity (ytd only) | 3.5955% | 3,454 |
| Net charge-offs to loans | 0.1163% | 1,267 |
| Credit loss provision to net charge-offs | 257.8773% | 995 |
| Earnings coverage of net charge-offs (x) | 18.7944% | 1,846 |
| Efficiency ratio | 66.0691% | 2,797 |
| Assets per employee ($millions) | 5.2899% | 2,163 |
| Cash dividends to net income (ytd only)* | 76.7892% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6992% | 4,719 |
| Loan loss allowance to noncurrent loans | 267.0058% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 2,554 |
| Noncurrent loans to loans | 0.2619% | 3,591 |
| Net loans and leases to total assets | 75.2983% | 1,669 |
| Net loans and leases to deposits | 91.6659% | 1,527 |
| Net loans and leases to core deposits | 109.2943% | 1,015 |
| Total domestic deposits to total assets | 82.1442% | 3,474 |
| Equity capital to assets | 9.4062% | 4,494 |
| Core capital (leverage) ratio | 8.2516% | 5,083 |
| Tier 1 risk-based capital ratio | 10.0617% | 5,216 |
| Total risk-based capital ratio | 10.7282% | 5,259 |
| Memoranda: | ||
| Average total assets | $1,374,590,670 | 594 |
| Average earning assets | $1,254,748,330 | 591 |
| Average equity | $126,103,330 | 716 |
| Average total loans | $1,036,734,330 | 554 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 1,332 |
| Cost of funding earning assets | 1.0363% | 1,423 |
| Net interest margin | 3.9663% | 1,962 |
| Noninterest income to average assets | 1.2790% | 517 |
| Noninterest expense to average assets | 3.2335% | 1,420 |
| Loan and lease loss provision to assets | 0.2712% | 510 |
| Net operating income to assets | 1.3932% | 1,396 |
| Return on assets (ROA) | 1.3947% | 1,425 |
| Pretax return on assets | 1.3947% | 2,101 |
| Return on Equity (ROE) | 15.4003% | 681 |
| Retained earnings to average equity (ytd only) | 3.3007% | 3,598 |
| Net charge-offs to loans | 0.1678% | 810 |
| Credit loss provision to net charge-offs | 214.8148% | 1,007 |
| Earnings coverage of net charge-offs (x) | 13.1852% | 1,843 |
| Efficiency ratio | 65.7201% | 2,975 |
| Assets per employee ($millions) | 5.5000% | 1,984 |
| Cash dividends to net income (ytd only)* | 78.5669% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6735% | 4,824 |
| Loan loss allowance to noncurrent loans | 204.9970% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6955% | 2,017 |
| Noncurrent loans to loans | 0.3285% | 3,392 |
| Net loans and leases to total assets | 73.6259% | 1,877 |
| Net loans and leases to deposits | 83.5965% | 2,430 |
| Net loans and leases to core deposits | 98.7439% | 1,727 |
| Total domestic deposits to total assets | 88.0729% | 1,300 |
| Equity capital to assets | 9.1241% | 4,594 |
| Core capital (leverage) ratio | 8.1426% | 5,162 |
| Tier 1 risk-based capital ratio | 10.0423% | 5,280 |
| Total risk-based capital ratio | 10.6811% | 5,321 |
| Memoranda: | ||
| Average total assets | $1,368,908,000 | 600 |
| Average earning assets | $1,249,014,000 | 596 |
| Average equity | $123,972,000 | 728 |
| Average total loans | $1,029,627,000 | 562 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8492% | 1,428 |
| Cost of funding earning assets | 0.8328% | 1,373 |
| Net interest margin | 4.0164% | 1,934 |
| Noninterest income to average assets | 1.0923% | 775 |
| Noninterest expense to average assets | 3.0398% | 1,969 |
| Loan and lease loss provision to assets | 0.1735% | 1,147 |
| Net operating income to assets | 1.5442% | 1,008 |
| Return on assets (ROA) | 1.5450% | 999 |
| Pretax return on assets | 1.5450% | 1,640 |
| Return on Equity (ROE) | 17.0219% | 493 |
| Retained earnings to average equity (ytd only) | 6.0575% | 2,164 |
| Net charge-offs to loans | 0.3001% | 645 |
| Credit loss provision to net charge-offs | 75.3406% | 2,918 |
| Earnings coverage of net charge-offs (x) | 7.4573% | 2,992 |
| Efficiency ratio | 63.5740% | 3,250 |
| Assets per employee ($millions) | 5.2814% | 2,171 |
| Cash dividends to net income (ytd only)* | 64.4138% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6174% | 4,944 |
| Loan loss allowance to noncurrent loans | 188.9513% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7027% | 1,973 |
| Noncurrent loans to loans | 0.3268% | 3,382 |
| Net loans and leases to total assets | 75.8527% | 1,639 |
| Net loans and leases to deposits | 87.6192% | 2,098 |
| Net loans and leases to core deposits | 100.7009% | 1,667 |
| Total domestic deposits to total assets | 86.5709% | 1,978 |
| Equity capital to assets | 8.9873% | 4,588 |
| Core capital (leverage) ratio | 8.1529% | 5,188 |
| Tier 1 risk-based capital ratio | 9.9442% | 5,320 |
| Total risk-based capital ratio | 10.5371% | 5,368 |
| Memoranda: | ||
| Average total assets | $1,306,309,400 | 602 |
| Average earning assets | $1,192,073,000 | 600 |
| Average equity | $118,564,600 | 729 |
| Average total loans | $1,002,527,000 | 559 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 1,353 |
| Cost of funding earning assets | 0.7856% | 1,404 |
| Net interest margin | 4.0417% | 1,816 |
| Noninterest income to average assets | 0.9112% | 1,165 |
| Noninterest expense to average assets | 2.9081% | 2,282 |
| Loan and lease loss provision to assets | 0.1622% | 1,184 |
| Net operating income to assets | 1.5336% | 1,110 |
| Return on assets (ROA) | 1.5346% | 1,112 |
| Pretax return on assets | 1.5346% | 1,791 |
| Return on Equity (ROE) | 16.8649% | 557 |
| Retained earnings to average equity (ytd only) | 5.8210% | 2,746 |
| Net charge-offs to loans | 0.2444% | 700 |
| Credit loss provision to net charge-offs | 86.3886% | 2,458 |
| Earnings coverage of net charge-offs (x) | 9.0302% | 2,670 |
| Efficiency ratio | 62.8294% | 3,372 |
| Assets per employee ($millions) | 5.0918% | 2,350 |
| Cash dividends to net income (ytd only)* | 65.4846% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6855% | 4,899 |
| Loan loss allowance to noncurrent loans | 242.4349% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 1,531 |
| Noncurrent loans to loans | 0.2828% | 3,674 |
| Net loans and leases to total assets | 75.4023% | 1,752 |
| Net loans and leases to deposits | 85.1289% | 2,458 |
| Net loans and leases to core deposits | 98.0039% | 1,931 |
| Total domestic deposits to total assets | 88.5744% | 1,011 |
| Equity capital to assets | 8.8912% | 4,648 |
| Core capital (leverage) ratio | 8.0070% | 5,315 |
| Tier 1 risk-based capital ratio | 10.0103% | 5,376 |
| Total risk-based capital ratio | 10.6661% | 5,427 |
| Memoranda: | ||
| Average total assets | $1,293,557,750 | 606 |
| Average earning assets | $1,181,869,000 | 607 |
| Average equity | $117,709,250 | 726 |
| Average total loans | $994,169,500 | 561 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 1,321 |
| Cost of funding earning assets | 0.7214% | 1,514 |
| Net interest margin | 4.0515% | 1,695 |
| Noninterest income to average assets | 0.8767% | 1,249 |
| Noninterest expense to average assets | 2.9000% | 2,358 |
| Loan and lease loss provision to assets | 0.1448% | 1,326 |
| Net operating income to assets | 1.5321% | 1,072 |
| Return on assets (ROA) | 1.5315% | 1,075 |
| Pretax return on assets | 1.5315% | 1,703 |
| Return on Equity (ROE) | 16.6987% | 561 |
| Retained earnings to average equity (ytd only) | 5.6546% | 2,746 |
| Net charge-offs to loans | -0.0234% | 4,632 |
| Credit loss provision to net charge-offs | -800.8621% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0248% | 3,471 |
| Assets per employee ($millions) | 5.0795% | 2,315 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 4,648 |
| Loan loss allowance to noncurrent loans | 280.8167% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5367% | 2,620 |
| Noncurrent loans to loans | 0.2897% | 3,666 |
| Net loans and leases to total assets | 76.4332% | 1,570 |
| Net loans and leases to deposits | 87.1738% | 2,196 |
| Net loans and leases to core deposits | 101.2916% | 1,625 |
| Total domestic deposits to total assets | 87.6792% | 1,549 |
| Equity capital to assets | 8.9907% | 4,567 |
| Core capital (leverage) ratio | 8.0814% | 5,320 |
| Tier 1 risk-based capital ratio | 9.9242% | 5,447 |
| Total risk-based capital ratio | 10.7103% | 5,482 |
| Memoranda: | ||
| Average total assets | $1,283,452,330 | 609 |
| Average earning assets | $1,172,156,000 | 613 |
| Average equity | $117,709,670 | 725 |
| Average total loans | $990,518,670 | 564 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7109% | 1,282 |
| Cost of funding earning assets | 0.6587% | 1,667 |
| Net interest margin | 4.0521% | 1,557 |
| Noninterest income to average assets | 0.8497% | 1,302 |
| Noninterest expense to average assets | 2.9408% | 2,225 |
| Loan and lease loss provision to assets | 0.1443% | 1,296 |
| Net operating income to assets | 1.4580% | 1,177 |
| Return on assets (ROA) | 1.4567% | 1,184 |
| Pretax return on assets | 1.4567% | 1,813 |
| Return on Equity (ROE) | 15.7244% | 671 |
| Retained earnings to average equity (ytd only) | 15.7244% | 266 |
| Net charge-offs to loans | -0.0020% | 3,814 |
| Credit loss provision to net charge-offs | -9,180.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3856% | 3,417 |
| Assets per employee ($millions) | 5.0513% | 2,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 4,869 |
| Loan loss allowance to noncurrent loans | 392.0578% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4865% | 2,908 |
| Noncurrent loans to loans | 0.1962% | 4,084 |
| Net loans and leases to total assets | 76.1491% | 1,516 |
| Net loans and leases to deposits | 86.8772% | 2,064 |
| Net loans and leases to core deposits | 102.4647% | 1,487 |
| Total domestic deposits to total assets | 87.6514% | 1,819 |
| Equity capital to assets | 9.2512% | 4,316 |
| Core capital (leverage) ratio | 8.3569% | 5,224 |
| Tier 1 risk-based capital ratio | 10.1383% | 5,461 |
| Total risk-based capital ratio | 10.8753% | 5,528 |
| Memoranda: | ||
| Average total assets | $1,272,459,000 | 619 |
| Average earning assets | $1,159,790,000 | 625 |
| Average equity | $117,880,500 | 726 |
| Average total loans | $982,792,000 | 571 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7696% | 1,035 |
| Cost of funding earning assets | 0.5127% | 2,230 |
| Net interest margin | 4.2568% | 1,063 |
| Noninterest income to average assets | 0.9254% | 1,200 |
| Noninterest expense to average assets | 3.0968% | 1,870 |
| Loan and lease loss provision to assets | 0.2412% | 790 |
| Net operating income to assets | 1.4574% | 890 |
| Return on assets (ROA) | 1.4709% | 878 |
| Pretax return on assets | 1.4709% | 1,746 |
| Return on Equity (ROE) | 15.5742% | 535 |
| Retained earnings to average equity (ytd only) | -3.3231% | 5,358 |
| Net charge-offs to loans | 0.3902% | 645 |
| Credit loss provision to net charge-offs | 79.5834% | 2,949 |
| Earnings coverage of net charge-offs (x) | 5.6051% | 3,302 |
| Efficiency ratio | 64.2831% | 3,565 |
| Assets per employee ($millions) | 4.9875% | 2,496 |
| Cash dividends to net income (ytd only)* | 121.3370% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7305% | 5,006 |
| Loan loss allowance to noncurrent loans | 287.1279% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 2,660 |
| Noncurrent loans to loans | 0.2544% | 3,873 |
| Net loans and leases to total assets | 77.1765% | 1,398 |
| Net loans and leases to deposits | 89.0877% | 1,887 |
| Net loans and leases to core deposits | 102.2516% | 1,543 |
| Total domestic deposits to total assets | 86.6297% | 2,180 |
| Equity capital to assets | 9.2771% | 4,453 |
| Core capital (leverage) ratio | 8.1456% | 5,379 |
| Tier 1 risk-based capital ratio | 9.8105% | 5,567 |
| Total risk-based capital ratio | 10.5100% | 5,610 |
| Memoranda: | ||
| Average total assets | $1,204,132,200 | 626 |
| Average earning assets | $1,094,711,600 | 625 |
| Average equity | $113,720,000 | 721 |
| Average total loans | $935,263,600 | 567 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 1,040 |
| Cost of funding earning assets | 0.4956% | 2,303 |
| Net interest margin | 4.2506% | 1,045 |
| Noninterest income to average assets | 0.9785% | 1,069 |
| Noninterest expense to average assets | 3.1341% | 1,714 |
| Loan and lease loss provision to assets | 0.2014% | 942 |
| Net operating income to assets | 1.5106% | 871 |
| Return on assets (ROA) | 1.5118% | 895 |
| Pretax return on assets | 1.5118% | 1,734 |
| Return on Equity (ROE) | 15.9335% | 533 |
| Retained earnings to average equity (ytd only) | -5.7945% | 5,563 |
| Net charge-offs to loans | 0.2328% | 923 |
| Credit loss provision to net charge-offs | 111.3932% | 2,125 |
| Earnings coverage of net charge-offs (x) | 9.4687% | 2,689 |
| Efficiency ratio | 64.2595% | 3,491 |
| Assets per employee ($millions) | 4.9835% | 2,473 |
| Cash dividends to net income (ytd only)* | 136.3670% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,808 |
| Loan loss allowance to noncurrent loans | 165.0368% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 0.9966% | 1,707 |
| Noncurrent loans to loans | 0.5042% | 3,189 |
| Net loans and leases to total assets | 77.4780% | 1,354 |
| Net loans and leases to deposits | 91.3366% | 1,646 |
| Net loans and leases to core deposits | 105.7881% | 1,288 |
| Total domestic deposits to total assets | 84.8268% | 2,788 |
| Equity capital to assets | 9.3966% | 4,549 |
| Core capital (leverage) ratio | 8.0779% | 5,490 |
| Tier 1 risk-based capital ratio | 9.8464% | 5,622 |
| Total risk-based capital ratio | 10.6501% | 5,664 |
| Memoranda: | ||
| Average total assets | $1,190,953,500 | 631 |
| Average earning assets | $1,083,644,000 | 631 |
| Average equity | $113,000,250 | 730 |
| Average total loans | $924,797,500 | 575 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7026% | 1,051 |
| Cost of funding earning assets | 0.4776% | 2,348 |
| Net interest margin | 4.2250% | 1,025 |
| Noninterest income to average assets | 0.9543% | 1,125 |
| Noninterest expense to average assets | 3.1317% | 1,763 |
| Loan and lease loss provision to assets | 0.2403% | 707 |
| Net operating income to assets | 1.4274% | 1,003 |
| Return on assets (ROA) | 1.4284% | 1,029 |
| Pretax return on assets | 1.4284% | 1,905 |
| Return on Equity (ROE) | 15.0036% | 659 |
| Retained earnings to average equity (ytd only) | -12.4383% | 5,679 |
| Net charge-offs to loans | 0.3462% | 579 |
| Credit loss provision to net charge-offs | 89.5873% | 2,147 |
| Earnings coverage of net charge-offs (x) | 6.2171% | 2,732 |
| Efficiency ratio | 64.9184% | 3,515 |
| Assets per employee ($millions) | 4.8081% | 2,639 |
| Cash dividends to net income (ytd only)* | 182.9021% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 4,957 |
| Loan loss allowance to noncurrent loans | 185.5083% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9308% | 1,887 |
| Noncurrent loans to loans | 0.4303% | 3,472 |
| Net loans and leases to total assets | 77.6240% | 1,298 |
| Net loans and leases to deposits | 90.6414% | 1,649 |
| Net loans and leases to core deposits | 101.7606% | 1,529 |
| Total domestic deposits to total assets | 85.6385% | 2,555 |
| Equity capital to assets | 9.2914% | 4,627 |
| Core capital (leverage) ratio | 7.9986% | 5,528 |
| Tier 1 risk-based capital ratio | 9.7245% | 5,680 |
| Total risk-based capital ratio | 10.5005% | 5,721 |
| Memoranda: | ||
| Average total assets | $1,174,309,000 | 639 |
| Average earning assets | $1,068,730,670 | 636 |
| Average equity | $111,800,000 | 739 |
| Average total loans | $909,903,000 | 587 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 1,371 |
| Cost of funding earning assets | 0.4555% | 2,475 |
| Net interest margin | 4.0458% | 1,355 |
| Noninterest income to average assets | 0.9031% | 1,228 |
| Noninterest expense to average assets | 3.1164% | 1,820 |
| Loan and lease loss provision to assets | 0.1679% | 1,062 |
| Net operating income to assets | 1.3001% | 1,240 |
| Return on assets (ROA) | 1.3011% | 1,273 |
| Pretax return on assets | 1.3011% | 2,231 |
| Return on Equity (ROE) | 13.4912% | 907 |
| Retained earnings to average equity (ytd only) | 13.4912% | 338 |
| Net charge-offs to loans | 0.2550% | 709 |
| Credit loss provision to net charge-offs | 85.4093% | 1,719 |
| Earnings coverage of net charge-offs (x) | 7.4680% | 2,133 |
| Efficiency ratio | 67.7653% | 3,240 |
| Assets per employee ($millions) | 4.6748% | 2,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 4,845 |
| Loan loss allowance to noncurrent loans | 182.8645% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9192% | 2,011 |
| Noncurrent loans to loans | 0.4786% | 3,373 |
| Net loans and leases to total assets | 77.1508% | 1,249 |
| Net loans and leases to deposits | 87.3072% | 1,881 |
| Net loans and leases to core deposits | 97.9293% | 1,662 |
| Total domestic deposits to total assets | 88.3671% | 1,499 |
| Equity capital to assets | 9.8111% | 3,965 |
| Core capital (leverage) ratio | 8.6900% | 5,060 |
| Tier 1 risk-based capital ratio | 10.6696% | 5,474 |
| Total risk-based capital ratio | 11.5183% | 5,573 |
| Memoranda: | ||
| Average total assets | $1,143,623,000 | 659 |
| Average earning assets | $1,040,578,500 | 661 |
| Average equity | $110,294,000 | 749 |
| Average total loans | $881,402,500 | 607 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6068% | 1,269 |
| Cost of funding earning assets | 0.4798% | 2,260 |
| Net interest margin | 4.1270% | 1,315 |
| Noninterest income to average assets | 1.1335% | 887 |
| Noninterest expense to average assets | 3.2902% | 1,597 |
| Loan and lease loss provision to assets | 0.0930% | 2,499 |
| Net operating income to assets | 1.4899% | 842 |
| Return on assets (ROA) | 1.4921% | 863 |
| Pretax return on assets | 1.4921% | 1,605 |
| Return on Equity (ROE) | 14.8077% | 653 |
| Retained earnings to average equity (ytd only) | 0.4592% | 5,140 |
| Net charge-offs to loans | 0.2111% | 1,315 |
| Credit loss provision to net charge-offs | 58.0700% | 3,277 |
| Earnings coverage of net charge-offs (x) | 9.8854% | 2,712 |
| Efficiency ratio | 67.3077% | 3,385 |
| Assets per employee ($millions) | 4.4089% | 3,257 |
| Cash dividends to net income (ytd only)* | 96.8992% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 4,770 |
| Loan loss allowance to noncurrent loans | 124.7705% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 2,009 |
| Noncurrent loans to loans | 0.7251% | 2,722 |
| Net loans and leases to total assets | 75.6176% | 1,577 |
| Net loans and leases to deposits | 86.5566% | 2,100 |
| Net loans and leases to core deposits | 95.6889% | 1,951 |
| Total domestic deposits to total assets | 87.3621% | 1,948 |
| Equity capital to assets | 9.4769% | 4,295 |
| Core capital (leverage) ratio | 8.4528% | 5,311 |
| Tier 1 risk-based capital ratio | 10.4799% | 5,579 |
| Total risk-based capital ratio | 11.3544% | 5,657 |
| Memoranda: | ||
| Average total assets | $1,106,625,000 | 652 |
| Average earning assets | $1,002,741,200 | 661 |
| Average equity | $111,509,600 | 718 |
| Average total loans | $839,278,400 | 600 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5975% | 1,295 |
| Cost of funding earning assets | 0.4700% | 2,365 |
| Net interest margin | 4.1274% | 1,317 |
| Noninterest income to average assets | 1.1685% | 841 |
| Noninterest expense to average assets | 3.2502% | 1,680 |
| Loan and lease loss provision to assets | 0.0969% | 2,286 |
| Net operating income to assets | 1.5583% | 786 |
| Return on assets (ROA) | 1.5613% | 821 |
| Pretax return on assets | 1.5613% | 1,491 |
| Return on Equity (ROE) | 15.2579% | 640 |
| Retained earnings to average equity (ytd only) | 4.1008% | 3,392 |
| Net charge-offs to loans | 0.1806% | 1,294 |
| Credit loss provision to net charge-offs | 70.8703% | 2,777 |
| Earnings coverage of net charge-offs (x) | 12.1039% | 2,420 |
| Efficiency ratio | 66.0461% | 3,583 |
| Assets per employee ($millions) | 4.4275% | 3,199 |
| Cash dividends to net income (ytd only)* | 73.1233% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9612% | 4,609 |
| Loan loss allowance to noncurrent loans | 136.0328% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 1,985 |
| Noncurrent loans to loans | 0.7066% | 2,919 |
| Net loans and leases to total assets | 75.4334% | 1,631 |
| Net loans and leases to deposits | 87.0143% | 2,136 |
| Net loans and leases to core deposits | 93.7218% | 2,214 |
| Total domestic deposits to total assets | 86.6908% | 2,037 |
| Equity capital to assets | 10.1210% | 4,013 |
| Core capital (leverage) ratio | 8.8064% | 5,047 |
| Tier 1 risk-based capital ratio | 10.8903% | 5,430 |
| Total risk-based capital ratio | 11.8181% | 5,507 |
| Memoranda: | ||
| Average total assets | $1,097,803,500 | 654 |
| Average earning assets | $993,943,250 | 664 |
| Average equity | $112,332,500 | 714 |
| Average total loans | $831,255,750 | 605 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,267 |
| Cost of funding earning assets | 0.4578% | 2,495 |
| Net interest margin | 4.1404% | 1,256 |
| Noninterest income to average assets | 1.0701% | 979 |
| Noninterest expense to average assets | 3.2398% | 1,717 |
| Loan and lease loss provision to assets | 0.0637% | 2,873 |
| Net operating income to assets | 1.5158% | 867 |
| Return on assets (ROA) | 1.5161% | 910 |
| Pretax return on assets | 1.5161% | 1,620 |
| Return on Equity (ROE) | 14.7609% | 708 |
| Retained earnings to average equity (ytd only) | 3.3746% | 3,749 |
| Net charge-offs to loans | 0.0253% | 2,970 |
| Credit loss provision to net charge-offs | 332.6923% | 894 |
| Earnings coverage of net charge-offs (x) | 82.4615% | 690 |
| Efficiency ratio | 67.0119% | 3,535 |
| Assets per employee ($millions) | 4.1229% | 3,696 |
| Cash dividends to net income (ytd only)* | 77.1380% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 4,260 |
| Loan loss allowance to noncurrent loans | 131.2223% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 2,293 |
| Noncurrent loans to loans | 0.7947% | 2,759 |
| Net loans and leases to total assets | 76.4486% | 1,420 |
| Net loans and leases to deposits | 90.4080% | 1,704 |
| Net loans and leases to core deposits | 97.6974% | 1,833 |
| Total domestic deposits to total assets | 84.5595% | 3,074 |
| Equity capital to assets | 10.3277% | 3,820 |
| Core capital (leverage) ratio | 8.9885% | 4,839 |
| Tier 1 risk-based capital ratio | 11.0239% | 5,410 |
| Total risk-based capital ratio | 12.0443% | 5,455 |
| Memoranda: | ||
| Average total assets | $1,085,924,000 | 660 |
| Average earning assets | $983,325,000 | 674 |
| Average equity | $111,538,000 | 723 |
| Average total loans | $820,577,000 | 613 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5608% | 1,358 |
| Cost of funding earning assets | 0.4484% | 2,604 |
| Net interest margin | 4.1124% | 1,306 |
| Noninterest income to average assets | 0.8634% | 1,403 |
| Noninterest expense to average assets | 3.1874% | 1,867 |
| Loan and lease loss provision to assets | 0.0423% | 3,079 |
| Net operating income to assets | 1.3586% | 1,119 |
| Return on assets (ROA) | 1.3593% | 1,183 |
| Pretax return on assets | 1.3593% | 2,048 |
| Return on Equity (ROE) | 13.2714% | 977 |
| Retained earnings to average equity (ytd only) | 1.3217% | 4,730 |
| Net charge-offs to loans | -0.1221% | 5,710 |
| Credit loss provision to net charge-offs | -46.3415% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2426% | 3,258 |
| Assets per employee ($millions) | 4.0909% | 3,789 |
| Cash dividends to net income (ytd only)* | 90.0409% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 4,013 |
| Loan loss allowance to noncurrent loans | 132.6151% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.9478% | 2,335 |
| Noncurrent loans to loans | 0.8344% | 2,755 |
| Net loans and leases to total assets | 73.5247% | 1,811 |
| Net loans and leases to deposits | 85.2824% | 2,154 |
| Net loans and leases to core deposits | 92.4291% | 2,146 |
| Total domestic deposits to total assets | 86.2133% | 2,585 |
| Equity capital to assets | 10.1904% | 3,854 |
| Core capital (leverage) ratio | 8.8892% | 4,974 |
| Tier 1 risk-based capital ratio | 11.2579% | 5,365 |
| Total risk-based capital ratio | 12.3311% | 5,370 |
| Memoranda: | ||
| Average total assets | $1,078,484,500 | 668 |
| Average earning assets | $976,841,500 | 676 |
| Average equity | $110,463,000 | 730 |
| Average total loans | $805,657,500 | 619 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 1,058 |
| Cost of funding earning assets | 0.4693% | 2,445 |
| Net interest margin | 4.2567% | 1,054 |
| Noninterest income to average assets | 1.0055% | 1,169 |
| Noninterest expense to average assets | 3.2066% | 1,956 |
| Loan and lease loss provision to assets | 0.1604% | 1,443 |
| Net operating income to assets | 1.4779% | 899 |
| Return on assets (ROA) | 1.4830% | 921 |
| Pretax return on assets | 1.4835% | 1,610 |
| Return on Equity (ROE) | 14.1575% | 817 |
| Retained earnings to average equity (ytd only) | 0.6437% | 5,255 |
| Net charge-offs to loans | 0.2130% | 1,381 |
| Credit loss provision to net charge-offs | 96.9364% | 2,617 |
| Earnings coverage of net charge-offs (x) | 9.9046% | 2,760 |
| Efficiency ratio | 65.9541% | 3,912 |
| Assets per employee ($millions) | 4.0483% | 3,850 |
| Cash dividends to net income (ytd only)* | 95.4531% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 4,159 |
| Loan loss allowance to noncurrent loans | 298.0650% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 3,078 |
| Noncurrent loans to loans | 0.3621% | 4,156 |
| Net loans and leases to total assets | 74.2571% | 1,683 |
| Net loans and leases to deposits | 86.2354% | 2,101 |
| Net loans and leases to core deposits | 93.2203% | 2,114 |
| Total domestic deposits to total assets | 86.1097% | 2,587 |
| Equity capital to assets | 10.2958% | 3,629 |
| Core capital (leverage) ratio | 9.1018% | 4,752 |
| Tier 1 risk-based capital ratio | 11.5024% | 5,253 |
| Total risk-based capital ratio | 12.5573% | 5,264 |
| Memoranda: | ||
| Average total assets | $1,045,542,600 | 660 |
| Average earning assets | $943,178,000 | 671 |
| Average equity | $109,518,000 | 700 |
| Average total loans | $812,091,600 | 579 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 1,044 |
| Cost of funding earning assets | 0.4799% | 2,412 |
| Net interest margin | 4.2539% | 1,052 |
| Noninterest income to average assets | 1.0775% | 1,039 |
| Noninterest expense to average assets | 3.2164% | 1,927 |
| Loan and lease loss provision to assets | 0.1813% | 1,146 |
| Net operating income to assets | 1.5149% | 897 |
| Return on assets (ROA) | 1.5194% | 928 |
| Pretax return on assets | 1.5201% | 1,626 |
| Return on Equity (ROE) | 14.4420% | 822 |
| Retained earnings to average equity (ytd only) | 2.0214% | 4,870 |
| Net charge-offs to loans | 0.2446% | 1,070 |
| Credit loss provision to net charge-offs | 94.5856% | 2,400 |
| Earnings coverage of net charge-offs (x) | 8.8543% | 2,758 |
| Efficiency ratio | 65.2413% | 4,026 |
| Assets per employee ($millions) | 4.0960% | 3,707 |
| Cash dividends to net income (ytd only)* | 86.0034% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 4,546 |
| Loan loss allowance to noncurrent loans | 244.8875% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7790% | 2,944 |
| Noncurrent loans to loans | 0.4233% | 4,085 |
| Net loans and leases to total assets | 78.2755% | 1,058 |
| Net loans and leases to deposits | 92.7064% | 1,336 |
| Net loans and leases to core deposits | 99.6518% | 1,546 |
| Total domestic deposits to total assets | 84.4338% | 3,248 |
| Equity capital to assets | 10.6330% | 3,430 |
| Core capital (leverage) ratio | 9.1929% | 4,738 |
| Tier 1 risk-based capital ratio | 11.3679% | 5,450 |
| Total risk-based capital ratio | 12.3968% | 5,470 |
| Memoranda: | ||
| Average total assets | $1,040,751,250 | 671 |
| Average earning assets | $938,471,250 | 682 |
| Average equity | $109,492,500 | 703 |
| Average total loans | $815,302,750 | 574 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6936% | 1,075 |
| Cost of funding earning assets | 0.4979% | 2,271 |
| Net interest margin | 4.1956% | 1,116 |
| Noninterest income to average assets | 1.0748% | 1,038 |
| Noninterest expense to average assets | 3.2208% | 1,919 |
| Loan and lease loss provision to assets | 0.2117% | 914 |
| Net operating income to assets | 1.4204% | 1,051 |
| Return on assets (ROA) | 1.4266% | 1,077 |
| Pretax return on assets | 1.4277% | 1,876 |
| Return on Equity (ROE) | 13.6090% | 981 |
| Retained earnings to average equity (ytd only) | -0.3584% | 5,578 |
| Net charge-offs to loans | 0.2544% | 1,017 |
| Credit loss provision to net charge-offs | 106.5955% | 1,966 |
| Earnings coverage of net charge-offs (x) | 8.2231% | 2,585 |
| Efficiency ratio | 66.1295% | 3,984 |
| Assets per employee ($millions) | 4.1343% | 3,601 |
| Cash dividends to net income (ytd only)* | 102.6334% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 4,551 |
| Loan loss allowance to noncurrent loans | 241.8971% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8771% | 2,796 |
| Noncurrent loans to loans | 0.4374% | 4,170 |
| Net loans and leases to total assets | 77.5786% | 1,127 |
| Net loans and leases to deposits | 92.2107% | 1,349 |
| Net loans and leases to core deposits | 99.6880% | 1,517 |
| Total domestic deposits to total assets | 84.1319% | 3,505 |
| Equity capital to assets | 10.3085% | 3,680 |
| Core capital (leverage) ratio | 9.0182% | 4,945 |
| Tier 1 risk-based capital ratio | 11.2558% | 5,597 |
| Total risk-based capital ratio | 12.3129% | 5,601 |
| Memoranda: | ||
| Average total assets | $1,038,139,330 | 678 |
| Average earning assets | $935,111,670 | 686 |
| Average equity | $108,824,670 | 709 |
| Average total loans | $810,608,670 | 577 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,197 |
| Cost of funding earning assets | 0.5111% | 2,191 |
| Net interest margin | 4.0978% | 1,282 |
| Noninterest income to average assets | 1.0271% | 1,062 |
| Noninterest expense to average assets | 3.2021% | 1,980 |
| Loan and lease loss provision to assets | 0.2046% | 890 |
| Net operating income to assets | 1.3009% | 1,271 |
| Return on assets (ROA) | 1.3133% | 1,315 |
| Pretax return on assets | 1.3191% | 2,200 |
| Return on Equity (ROE) | 12.4226% | 1,238 |
| Retained earnings to average equity (ytd only) | -6.3105% | 6,009 |
| Net charge-offs to loans | 0.1151% | 1,599 |
| Credit loss provision to net charge-offs | 228.1385% | 965 |
| Earnings coverage of net charge-offs (x) | 16.8485% | 1,551 |
| Efficiency ratio | 67.7047% | 3,878 |
| Assets per employee ($millions) | 4.0757% | 3,812 |
| Cash dividends to net income (ytd only)* | 150.7983% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,578 |
| Loan loss allowance to noncurrent loans | 235.6880% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 3,030 |
| Noncurrent loans to loans | 0.4616% | 4,199 |
| Net loans and leases to total assets | 77.8977% | 945 |
| Net loans and leases to deposits | 89.9508% | 1,400 |
| Net loans and leases to core deposits | 97.8904% | 1,482 |
| Total domestic deposits to total assets | 86.6003% | 2,604 |
| Equity capital to assets | 10.3463% | 3,722 |
| Core capital (leverage) ratio | 9.1208% | 4,823 |
| Tier 1 risk-based capital ratio | 11.0396% | 5,787 |
| Total risk-based capital ratio | 12.1213% | 5,792 |
| Memoranda: | ||
| Average total assets | $1,030,082,000 | 680 |
| Average earning assets | $926,651,000 | 687 |
| Average equity | $108,898,000 | 706 |
| Average total loans | $802,601,500 | 574 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8534% | 1,007 |
| Cost of funding earning assets | 0.5428% | 2,267 |
| Net interest margin | 4.3106% | 1,035 |
| Noninterest income to average assets | 0.8744% | 1,590 |
| Noninterest expense to average assets | 3.1162% | 2,467 |
| Loan and lease loss provision to assets | 0.3586% | 525 |
| Net operating income to assets | 1.2338% | 1,482 |
| Return on assets (ROA) | 1.2319% | 1,543 |
| Pretax return on assets | 1.2379% | 2,495 |
| Return on Equity (ROE) | 11.5422% | 1,544 |
| Retained earnings to average equity (ytd only) | 1.3563% | 5,167 |
| Net charge-offs to loans | 0.6551% | 590 |
| Credit loss provision to net charge-offs | 71.3413% | 3,043 |
| Earnings coverage of net charge-offs (x) | 3.1796% | 3,953 |
| Efficiency ratio | 65.7713% | 4,290 |
| Assets per employee ($millions) | 4.0028% | 3,947 |
| Cash dividends to net income (ytd only)* | 88.2495% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 4,483 |
| Loan loss allowance to noncurrent loans | 267.1283% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.9577% | 2,842 |
| Noncurrent loans to loans | 0.4164% | 4,394 |
| Net loans and leases to total assets | 76.1922% | 1,232 |
| Net loans and leases to deposits | 90.0792% | 1,513 |
| Net loans and leases to core deposits | 96.0713% | 1,717 |
| Total domestic deposits to total assets | 84.5836% | 3,464 |
| Equity capital to assets | 10.8050% | 3,111 |
| Core capital (leverage) ratio | 9.3797% | 4,417 |
| Tier 1 risk-based capital ratio | 11.8201% | 5,479 |
| Total risk-based capital ratio | 12.9263% | 5,469 |
| Memoranda: | ||
| Average total assets | $1,009,950,000 | 669 |
| Average earning assets | $899,737,400 | 682 |
| Average equity | $107,796,200 | 678 |
| Average total loans | $775,041,200 | 565 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8748% | 984 |
| Cost of funding earning assets | 0.5507% | 2,279 |
| Net interest margin | 4.3241% | 1,001 |
| Noninterest income to average assets | 1.0707% | 1,066 |
| Noninterest expense to average assets | 3.1521% | 2,316 |
| Loan and lease loss provision to assets | 0.4762% | 321 |
| Net operating income to assets | 1.2816% | 1,426 |
| Return on assets (ROA) | 1.2814% | 1,479 |
| Pretax return on assets | 1.2874% | 2,428 |
| Return on Equity (ROE) | 12.0431% | 1,466 |
| Retained earnings to average equity (ytd only) | 1.2353% | 5,402 |
| Net charge-offs to loans | 0.6998% | 496 |
| Credit loss provision to net charge-offs | 88.7712% | 2,456 |
| Earnings coverage of net charge-offs (x) | 3.2876% | 3,693 |
| Efficiency ratio | 63.7795% | 4,584 |
| Assets per employee ($millions) | 4.1080% | 3,652 |
| Cash dividends to net income (ytd only)* | 89.7423% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 3,926 |
| Loan loss allowance to noncurrent loans | 256.7109% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 2,566 |
| Noncurrent loans to loans | 0.4882% | 4,449 |
| Net loans and leases to total assets | 75.7641% | 1,252 |
| Net loans and leases to deposits | 87.6847% | 1,712 |
| Net loans and leases to core deposits | 93.8641% | 1,883 |
| Total domestic deposits to total assets | 86.4052% | 2,636 |
| Equity capital to assets | 10.7755% | 3,210 |
| Core capital (leverage) ratio | 9.2790% | 4,665 |
| Tier 1 risk-based capital ratio | 11.8657% | 5,582 |
| Total risk-based capital ratio | 13.1105% | 5,501 |
| Memoranda: | ||
| Average total assets | $1,009,257,750 | 664 |
| Average earning assets | $897,460,250 | 684 |
| Average equity | $107,389,250 | 681 |
| Average total loans | $773,728,500 | 564 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8657% | 969 |
| Cost of funding earning assets | 0.5609% | 2,251 |
| Net interest margin | 4.3048% | 1,013 |
| Noninterest income to average assets | 1.0004% | 1,198 |
| Noninterest expense to average assets | 3.1503% | 2,329 |
| Loan and lease loss provision to assets | 0.5334% | 273 |
| Net operating income to assets | 1.1321% | 1,811 |
| Return on assets (ROA) | 1.1319% | 1,904 |
| Pretax return on assets | 1.1378% | 2,939 |
| Return on Equity (ROE) | 10.6825% | 1,852 |
| Retained earnings to average equity (ytd only) | 0.4989% | 5,542 |
| Net charge-offs to loans | 0.9318% | 385 |
| Credit loss provision to net charge-offs | 74.6881% | 2,391 |
| Earnings coverage of net charge-offs (x) | 2.3404% | 3,571 |
| Efficiency ratio | 64.9339% | 4,545 |
| Assets per employee ($millions) | 4.1021% | 3,639 |
| Cash dividends to net income (ytd only)* | 95.3297% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 4,488 |
| Loan loss allowance to noncurrent loans | 233.9168% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 1.3579% | 2,410 |
| Noncurrent loans to loans | 0.5072% | 4,475 |
| Net loans and leases to total assets | 76.4188% | 1,114 |
| Net loans and leases to deposits | 89.1009% | 1,468 |
| Net loans and leases to core deposits | 95.1427% | 1,675 |
| Total domestic deposits to total assets | 85.7665% | 3,170 |
| Equity capital to assets | 10.7404% | 3,155 |
| Core capital (leverage) ratio | 9.2534% | 4,658 |
| Tier 1 risk-based capital ratio | 11.6783% | 5,707 |
| Total risk-based capital ratio | 12.8553% | 5,694 |
| Memoranda: | ||
| Average total assets | $1,010,190,670 | 662 |
| Average earning assets | $896,730,330 | 679 |
| Average equity | $107,035,330 | 678 |
| Average total loans | $774,233,670 | 565 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8067% | 1,030 |
| Cost of funding earning assets | 0.5645% | 2,298 |
| Net interest margin | 4.2421% | 1,114 |
| Noninterest income to average assets | 1.0581% | 1,001 |
| Noninterest expense to average assets | 3.2058% | 2,222 |
| Loan and lease loss provision to assets | 0.5956% | 223 |
| Net operating income to assets | 1.0077% | 2,184 |
| Return on assets (ROA) | 0.9850% | 2,327 |
| Pretax return on assets | 0.9909% | 3,358 |
| Return on Equity (ROE) | 9.3600% | 2,307 |
| Retained earnings to average equity (ytd only) | 1.8540% | 4,855 |
| Net charge-offs to loans | 1.1280% | 299 |
| Credit loss provision to net charge-offs | 69.2061% | 2,013 |
| Earnings coverage of net charge-offs (x) | 1.8701% | 3,004 |
| Efficiency ratio | 66.0023% | 4,525 |
| Assets per employee ($millions) | 4.0589% | 3,803 |
| Cash dividends to net income (ytd only)* | 80.1925% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2219% | 4,540 |
| Loan loss allowance to noncurrent loans | 170.8740% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 1.9058% | 1,809 |
| Noncurrent loans to loans | 0.7151% | 4,081 |
| Net loans and leases to total assets | 75.0901% | 1,115 |
| Net loans and leases to deposits | 86.8891% | 1,480 |
| Net loans and leases to core deposits | 93.3247% | 1,608 |
| Total domestic deposits to total assets | 86.4207% | 3,150 |
| Equity capital to assets | 10.5410% | 3,210 |
| Core capital (leverage) ratio | 9.2092% | 4,706 |
| Tier 1 risk-based capital ratio | 11.6988% | 5,816 |
| Total risk-based capital ratio | 12.9061% | 5,779 |
| Memoranda: | ||
| Average total assets | $1,012,776,500 | 664 |
| Average earning assets | $897,000,000 | 684 |
| Average equity | $106,581,500 | 682 |
| Average total loans | $772,728,500 | 566 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9170% | 1,066 |
| Cost of funding earning assets | 0.6399% | 2,297 |
| Net interest margin | 4.2771% | 1,158 |
| Noninterest income to average assets | 1.2787% | 842 |
| Noninterest expense to average assets | 3.2619% | 2,244 |
| Loan and lease loss provision to assets | 0.7559% | 290 |
| Net operating income to assets | 1.0516% | 2,113 |
| Return on assets (ROA) | 0.9941% | 2,423 |
| Pretax return on assets | 0.9989% | 3,349 |
| Return on Equity (ROE) | 9.2375% | 2,440 |
| Retained earnings to average equity (ytd only) | -0.6908% | 6,010 |
| Net charge-offs to loans | 1.0107% | 573 |
| Credit loss provision to net charge-offs | 99.1010% | 2,503 |
| Earnings coverage of net charge-offs (x) | 2.3760% | 4,217 |
| Efficiency ratio | 63.7124% | 4,954 |
| Assets per employee ($millions) | 3.9022% | 4,061 |
| Cash dividends to net income (ytd only)* | 107.4785% | 319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 4,067 |
| Loan loss allowance to noncurrent loans | 141.7144% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 2.1911% | 1,633 |
| Noncurrent loans to loans | 0.9275% | 3,674 |
| Net loans and leases to total assets | 75.5738% | 1,135 |
| Net loans and leases to deposits | 87.0184% | 1,572 |
| Net loans and leases to core deposits | 92.2858% | 1,770 |
| Total domestic deposits to total assets | 86.8481% | 2,806 |
| Equity capital to assets | 10.5062% | 3,148 |
| Core capital (leverage) ratio | 9.2006% | 4,721 |
| Tier 1 risk-based capital ratio | 11.6095% | 5,850 |
| Total risk-based capital ratio | 12.8601% | 5,787 |
| Memoranda: | ||
| Average total assets | $1,006,159,600 | 653 |
| Average earning assets | $892,901,200 | 668 |
| Average equity | $108,275,800 | 651 |
| Average total loans | $759,367,200 | 553 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 1,029 |
| Cost of funding earning assets | 0.6559% | 2,309 |
| Net interest margin | 4.2944% | 1,107 |
| Noninterest income to average assets | 1.3980% | 746 |
| Noninterest expense to average assets | 3.2538% | 2,195 |
| Loan and lease loss provision to assets | 0.7588% | 271 |
| Net operating income to assets | 1.1902% | 1,669 |
| Return on assets (ROA) | 1.1134% | 2,026 |
| Pretax return on assets | 1.1179% | 3,028 |
| Return on Equity (ROE) | 10.2855% | 2,070 |
| Retained earnings to average equity (ytd only) | -1.0394% | 6,141 |
| Net charge-offs to loans | 0.7429% | 804 |
| Credit loss provision to net charge-offs | 135.8244% | 1,733 |
| Earnings coverage of net charge-offs (x) | 3.4968% | 3,678 |
| Efficiency ratio | 61.9318% | 5,147 |
| Assets per employee ($millions) | 3.8442% | 4,138 |
| Cash dividends to net income (ytd only)* | 110.1060% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 3,213 |
| Loan loss allowance to noncurrent loans | 95.5150% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 2.8116% | 1,322 |
| Noncurrent loans to loans | 1.6256% | 2,739 |
| Net loans and leases to total assets | 73.4564% | 1,372 |
| Net loans and leases to deposits | 84.7439% | 1,771 |
| Net loans and leases to core deposits | 89.9407% | 1,972 |
| Total domestic deposits to total assets | 86.6805% | 2,867 |
| Equity capital to assets | 10.5542% | 3,212 |
| Core capital (leverage) ratio | 9.0933% | 4,977 |
| Tier 1 risk-based capital ratio | 11.8255% | 5,889 |
| Total risk-based capital ratio | 13.0788% | 5,836 |
| Memoranda: | ||
| Average total assets | $1,006,007,500 | 656 |
| Average earning assets | $892,362,000 | 670 |
| Average equity | $108,901,500 | 655 |
| Average total loans | $756,462,250 | 556 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9632% | 970 |
| Cost of funding earning assets | 0.6714% | 2,298 |
| Net interest margin | 4.2918% | 1,046 |
| Noninterest income to average assets | 1.5013% | 695 |
| Noninterest expense to average assets | 3.3465% | 1,948 |
| Loan and lease loss provision to assets | 0.7679% | 285 |
| Net operating income to assets | 1.1926% | 1,608 |
| Return on assets (ROA) | 1.0733% | 2,136 |
| Pretax return on assets | 1.0775% | 3,186 |
| Return on Equity (ROE) | 9.8328% | 2,267 |
| Retained earnings to average equity (ytd only) | -3.8492% | 6,382 |
| Net charge-offs to loans | 0.9361% | 660 |
| Credit loss provision to net charge-offs | 108.8036% | 2,038 |
| Earnings coverage of net charge-offs (x) | 2.7839% | 3,587 |
| Efficiency ratio | 62.4648% | 5,102 |
| Assets per employee ($millions) | 3.7710% | 4,262 |
| Cash dividends to net income (ytd only)* | 139.1466% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3876% | 4,097 |
| Loan loss allowance to noncurrent loans | 373.6674% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 2.1196% | 2,036 |
| Noncurrent loans to loans | 0.3713% | 5,347 |
| Net loans and leases to total assets | 74.7792% | 1,135 |
| Net loans and leases to deposits | 86.2354% | 1,553 |
| Net loans and leases to core deposits | 92.1937% | 1,691 |
| Total domestic deposits to total assets | 86.7151% | 2,991 |
| Equity capital to assets | 10.5814% | 3,192 |
| Core capital (leverage) ratio | 9.0667% | 4,885 |
| Tier 1 risk-based capital ratio | 11.5606% | 6,079 |
| Total risk-based capital ratio | 12.8118% | 6,038 |
| Memoranda: | ||
| Average total assets | $1,004,334,000 | 657 |
| Average earning assets | $891,558,000 | 669 |
| Average equity | $109,633,330 | 652 |
| Average total loans | $757,157,000 | 552 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 1,096 |
| Cost of funding earning assets | 0.6859% | 2,338 |
| Net interest margin | 4.2105% | 1,165 |
| Noninterest income to average assets | 1.4699% | 717 |
| Noninterest expense to average assets | 3.4150% | 1,794 |
| Loan and lease loss provision to assets | 0.9654% | 187 |
| Net operating income to assets | 0.8351% | 2,981 |
| Return on assets (ROA) | 0.8351% | 3,124 |
| Pretax return on assets | 0.8402% | 3,999 |
| Return on Equity (ROE) | 7.5354% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.5354% | 1,928 |
| Net charge-offs to loans | 0.7843% | 780 |
| Credit loss provision to net charge-offs | 163.7466% | 1,281 |
| Earnings coverage of net charge-offs (x) | 3.0627% | 2,852 |
| Efficiency ratio | 64.8657% | 4,845 |
| Assets per employee ($millions) | 3.9446% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 3,826 |
| Loan loss allowance to noncurrent loans | 366.3819% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 1.7151% | 2,722 |
| Noncurrent loans to loans | 0.4096% | 5,392 |
| Net loans and leases to total assets | 71.9043% | 1,365 |
| Net loans and leases to deposits | 83.3128% | 1,665 |
| Net loans and leases to core deposits | 89.4133% | 1,764 |
| Total domestic deposits to total assets | 86.3064% | 3,351 |
| Equity capital to assets | 11.0958% | 2,854 |
| Core capital (leverage) ratio | 9.4655% | 4,142 |
| Tier 1 risk-based capital ratio | 12.1203% | 5,841 |
| Total risk-based capital ratio | 13.3727% | 5,788 |
| Memoranda: | ||
| Average total assets | $1,006,846,500 | 663 |
| Average earning assets | $896,898,000 | 670 |
| Average equity | $111,579,500 | 651 |
| Average total loans | $756,840,500 | 552 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1500% | 1,208 |
| Cost of funding earning assets | 0.8205% | 2,508 |
| Net interest margin | 4.3295% | 1,327 |
| Noninterest income to average assets | 1.3966% | 795 |
| Noninterest expense to average assets | 3.5723% | 1,675 |
| Loan and lease loss provision to assets | 1.0413% | 379 |
| Net operating income to assets | 0.6613% | 3,925 |
| Return on assets (ROA) | 0.6724% | 4,142 |
| Pretax return on assets | 0.6737% | 4,750 |
| Return on Equity (ROE) | 6.0475% | 4,148 |
| Retained earnings to average equity (ytd only) | 1.6994% | 5,008 |
| Net charge-offs to loans | 1.3480% | 703 |
| Credit loss provision to net charge-offs | 100.7308% | 3,011 |
| Earnings coverage of net charge-offs (x) | 1.6483% | 4,618 |
| Efficiency ratio | 67.1503% | 4,301 |
| Assets per employee ($millions) | 3.9680% | 4,016 |
| Cash dividends to net income (ytd only)* | 71.8993% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 4,518 |
| Loan loss allowance to noncurrent loans | 137.8411% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 2.3846% | 2,053 |
| Noncurrent loans to loans | 0.9604% | 4,279 |
| Net loans and leases to total assets | 76.3620% | 871 |
| Net loans and leases to deposits | 90.0269% | 1,074 |
| Net loans and leases to core deposits | 93.2956% | 1,524 |
| Total domestic deposits to total assets | 84.8213% | 3,935 |
| Equity capital to assets | 11.0681% | 2,872 |
| Core capital (leverage) ratio | 9.4423% | 4,196 |
| Tier 1 risk-based capital ratio | 11.6439% | 6,005 |
| Total risk-based capital ratio | 12.8931% | 5,969 |
| Memoranda: | ||
| Average total assets | $992,842,600 | 663 |
| Average earning assets | $889,668,800 | 666 |
| Average equity | $110,392,600 | 643 |
| Average total loans | $761,362,400 | 539 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 1,348 |
| Cost of funding earning assets | 0.8475% | 2,563 |
| Net interest margin | 4.2850% | 1,519 |
| Noninterest income to average assets | 1.3453% | 820 |
| Noninterest expense to average assets | 3.5135% | 1,725 |
| Loan and lease loss provision to assets | 1.0288% | 389 |
| Net operating income to assets | 0.6559% | 4,111 |
| Return on assets (ROA) | 0.6577% | 4,370 |
| Pretax return on assets | 0.6591% | 4,982 |
| Return on Equity (ROE) | 5.9088% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.4941% | 4,411 |
| Net charge-offs to loans | 1.1641% | 858 |
| Credit loss provision to net charge-offs | 115.5123% | 2,518 |
| Earnings coverage of net charge-offs (x) | 1.8930% | 4,314 |
| Efficiency ratio | 67.0104% | 4,245 |
| Assets per employee ($millions) | 4.0452% | 3,779 |
| Cash dividends to net income (ytd only)* | 40.8664% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 4,058 |
| Loan loss allowance to noncurrent loans | 173.5802% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 2.5475% | 2,074 |
| Noncurrent loans to loans | 0.8482% | 4,717 |
| Net loans and leases to total assets | 74.1223% | 1,234 |
| Net loans and leases to deposits | 86.9724% | 1,487 |
| Net loans and leases to core deposits | 91.6504% | 1,816 |
| Total domestic deposits to total assets | 85.2251% | 3,651 |
| Equity capital to assets | 11.1871% | 3,051 |
| Core capital (leverage) ratio | 9.4099% | 4,419 |
| Tier 1 risk-based capital ratio | 11.8930% | 5,999 |
| Total risk-based capital ratio | 13.1453% | 5,986 |
| Memoranda: | ||
| Average total assets | $992,058,250 | 670 |
| Average earning assets | $892,335,750 | 671 |
| Average equity | $110,431,750 | 643 |
| Average total loans | $759,014,750 | 537 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1816% | 1,306 |
| Cost of funding earning assets | 0.8597% | 2,726 |
| Net interest margin | 4.3219% | 1,421 |
| Noninterest income to average assets | 1.1528% | 1,068 |
| Noninterest expense to average assets | 3.5206% | 1,739 |
| Loan and lease loss provision to assets | 1.0351% | 421 |
| Net operating income to assets | 0.4928% | 4,846 |
| Return on assets (ROA) | 0.4956% | 5,089 |
| Pretax return on assets | 0.4963% | 5,441 |
| Return on Equity (ROE) | 4.4602% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.0926% | 4,581 |
| Net charge-offs to loans | 0.8443% | 1,311 |
| Credit loss provision to net charge-offs | 159.3263% | 1,747 |
| Earnings coverage of net charge-offs (x) | 2.3528% | 3,830 |
| Efficiency ratio | 69.1456% | 3,907 |
| Assets per employee ($millions) | 3.8444% | 4,210 |
| Cash dividends to net income (ytd only)* | 30.6623% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 3,701 |
| Loan loss allowance to noncurrent loans | 107.9698% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 3.1070% | 1,754 |
| Noncurrent loans to loans | 1.4551% | 3,727 |
| Net loans and leases to total assets | 75.9873% | 969 |
| Net loans and leases to deposits | 89.7382% | 1,168 |
| Net loans and leases to core deposits | 94.5177% | 1,551 |
| Total domestic deposits to total assets | 84.6767% | 4,014 |
| Equity capital to assets | 11.1766% | 2,921 |
| Core capital (leverage) ratio | 9.4089% | 4,287 |
| Tier 1 risk-based capital ratio | 11.6709% | 6,123 |
| Total risk-based capital ratio | 12.9244% | 6,102 |
| Memoranda: | ||
| Average total assets | $986,991,000 | 675 |
| Average earning assets | $889,795,330 | 671 |
| Average equity | $109,681,330 | 647 |
| Average total loans | $759,433,000 | 531 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1693% | 1,386 |
| Cost of funding earning assets | 0.8784% | 2,844 |
| Net interest margin | 4.2909% | 1,499 |
| Noninterest income to average assets | 0.9779% | 1,485 |
| Noninterest expense to average assets | 3.4810% | 1,799 |
| Loan and lease loss provision to assets | 1.0376% | 395 |
| Net operating income to assets | 0.3348% | 5,533 |
| Return on assets (ROA) | 0.3433% | 5,673 |
| Pretax return on assets | 0.3437% | 5,875 |
| Return on Equity (ROE) | 3.0983% | 5,681 |
| Retained earnings to average equity (ytd only) | 3.0983% | 4,702 |
| Net charge-offs to loans | 0.1042% | 3,504 |
| Credit loss provision to net charge-offs | 1,296.4467% | 270 |
| Earnings coverage of net charge-offs (x) | 17.1523% | 1,317 |
| Efficiency ratio | 71.1141% | 3,602 |
| Assets per employee ($millions) | 3.8614% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 3,554 |
| Loan loss allowance to noncurrent loans | 82.6055% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 3.7176% | 1,519 |
| Noncurrent loans to loans | 1.9945% | 3,175 |
| Net loans and leases to total assets | 75.6900% | 836 |
| Net loans and leases to deposits | 88.8472% | 1,071 |
| Net loans and leases to core deposits | 94.6978% | 1,399 |
| Total domestic deposits to total assets | 85.1912% | 3,937 |
| Equity capital to assets | 11.1225% | 2,782 |
| Core capital (leverage) ratio | 9.2528% | 4,442 |
| Tier 1 risk-based capital ratio | 11.8494% | 6,051 |
| Total risk-based capital ratio | 13.1042% | 6,035 |
| Memoranda: | ||
| Average total assets | $984,554,500 | 677 |
| Average earning assets | $889,323,000 | 673 |
| Average equity | $109,093,500 | 648 |
| Average total loans | $756,289,000 | 533 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 1,498 |
| Cost of funding earning assets | 1.0003% | 3,378 |
| Net interest margin | 4.3697% | 1,477 |
| Noninterest income to average assets | 1.0818% | 1,138 |
| Noninterest expense to average assets | 3.5077% | 1,960 |
| Loan and lease loss provision to assets | 1.1713% | 759 |
| Net operating income to assets | 0.3875% | 4,919 |
| Return on assets (ROA) | 0.4140% | 4,986 |
| Pretax return on assets | 0.4093% | 5,269 |
| Return on Equity (ROE) | 3.7203% | 4,987 |
| Retained earnings to average equity (ytd only) | 0.7036% | 5,519 |
| Net charge-offs to loans | 2.0553% | 662 |
| Credit loss provision to net charge-offs | 72.8166% | 4,742 |
| Earnings coverage of net charge-offs (x) | 0.9661% | 5,076 |
| Efficiency ratio | 68.7047% | 4,209 |
| Assets per employee ($millions) | 3.8157% | 4,284 |
| Cash dividends to net income (ytd only)* | 81.0878% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,700 |
| Loan loss allowance to noncurrent loans | 71.6519% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 4.2062% | 1,338 |
| Noncurrent loans to loans | 1.8727% | 3,381 |
| Net loans and leases to total assets | 75.6439% | 999 |
| Net loans and leases to deposits | 88.7092% | 1,296 |
| Net loans and leases to core deposits | 93.3609% | 1,760 |
| Total domestic deposits to total assets | 85.2718% | 3,708 |
| Equity capital to assets | 11.0385% | 2,944 |
| Core capital (leverage) ratio | 9.2897% | 4,348 |
| Tier 1 risk-based capital ratio | 11.6630% | 6,049 |
| Total risk-based capital ratio | 12.9138% | 6,032 |
| Memoranda: | ||
| Average total assets | $968,057,200 | 676 |
| Average earning assets | $881,723,000 | 670 |
| Average equity | $107,734,400 | 642 |
| Average total loans | $757,639,000 | 541 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3926% | 1,537 |
| Cost of funding earning assets | 1.0136% | 3,583 |
| Net interest margin | 4.3791% | 1,461 |
| Noninterest income to average assets | 1.2079% | 903 |
| Noninterest expense to average assets | 3.4983% | 1,943 |
| Loan and lease loss provision to assets | 1.2011% | 650 |
| Net operating income to assets | 0.5093% | 4,511 |
| Return on assets (ROA) | 0.5450% | 4,527 |
| Pretax return on assets | 0.5421% | 5,004 |
| Return on Equity (ROE) | 4.8866% | 4,577 |
| Retained earnings to average equity (ytd only) | 1.7860% | 5,246 |
| Net charge-offs to loans | 2.1061% | 584 |
| Credit loss provision to net charge-offs | 72.4935% | 4,399 |
| Earnings coverage of net charge-offs (x) | 1.0306% | 4,858 |
| Efficiency ratio | 66.6206% | 4,598 |
| Assets per employee ($millions) | 3.8538% | 4,184 |
| Cash dividends to net income (ytd only)* | 63.4518% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4593% | 4,291 |
| Loan loss allowance to noncurrent loans | 45.5879% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 4.1407% | 1,479 |
| Noncurrent loans to loans | 3.2011% | 2,172 |
| Net loans and leases to total assets | 75.4472% | 1,070 |
| Net loans and leases to deposits | 89.3921% | 1,280 |
| Net loans and leases to core deposits | 94.4323% | 1,752 |
| Total domestic deposits to total assets | 84.4003% | 4,054 |
| Equity capital to assets | 11.0165% | 3,127 |
| Core capital (leverage) ratio | 9.3706% | 4,349 |
| Tier 1 risk-based capital ratio | 11.7089% | 6,098 |
| Total risk-based capital ratio | 12.9613% | 6,095 |
| Memoranda: | ||
| Average total assets | $963,961,500 | 686 |
| Average earning assets | $880,047,000 | 677 |
| Average equity | $107,501,250 | 649 |
| Average total loans | $758,349,500 | 548 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 1,343 |
| Cost of funding earning assets | 1.0175% | 3,834 |
| Net interest margin | 4.4641% | 1,215 |
| Noninterest income to average assets | 1.1311% | 1,010 |
| Noninterest expense to average assets | 3.6064% | 1,725 |
| Loan and lease loss provision to assets | 1.2584% | 602 |
| Net operating income to assets | 0.3413% | 5,210 |
| Return on assets (ROA) | 0.4558% | 4,827 |
| Pretax return on assets | 0.4515% | 5,225 |
| Return on Equity (ROE) | 4.0705% | 4,906 |
| Retained earnings to average equity (ytd only) | 0.7984% | 5,539 |
| Net charge-offs to loans | 1.8885% | 720 |
| Credit loss provision to net charge-offs | 83.9268% | 3,647 |
| Earnings coverage of net charge-offs (x) | 1.0640% | 4,492 |
| Efficiency ratio | 68.7465% | 4,381 |
| Assets per employee ($millions) | 3.6141% | 4,649 |
| Cash dividends to net income (ytd only)* | 80.3859% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7489% | 3,156 |
| Loan loss allowance to noncurrent loans | 86.5662% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 3.2211% | 2,082 |
| Noncurrent loans to loans | 2.0203% | 3,451 |
| Net loans and leases to total assets | 77.4858% | 849 |
| Net loans and leases to deposits | 92.1523% | 1,044 |
| Net loans and leases to core deposits | 98.5967% | 1,460 |
| Total domestic deposits to total assets | 84.0845% | 4,308 |
| Equity capital to assets | 11.1886% | 2,776 |
| Core capital (leverage) ratio | 9.5085% | 3,945 |
| Tier 1 risk-based capital ratio | 11.4933% | 6,171 |
| Total risk-based capital ratio | 12.7489% | 6,155 |
| Memoranda: | ||
| Average total assets | $955,143,670 | 701 |
| Average earning assets | $870,941,330 | 692 |
| Average equity | $106,965,330 | 651 |
| Average total loans | $758,364,000 | 557 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4527% | 1,422 |
| Cost of funding earning assets | 1.0171% | 4,076 |
| Net interest margin | 4.4356% | 1,202 |
| Noninterest income to average assets | 1.2912% | 766 |
| Noninterest expense to average assets | 3.6073% | 1,755 |
| Loan and lease loss provision to assets | 0.8932% | 901 |
| Net operating income to assets | 0.8412% | 2,818 |
| Return on assets (ROA) | 0.8962% | 2,642 |
| Pretax return on assets | 0.8874% | 3,554 |
| Return on Equity (ROE) | 7.9986% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.9986% | 1,735 |
| Net charge-offs to loans | 1.9514% | 655 |
| Credit loss provision to net charge-offs | 57.4589% | 3,592 |
| Earnings coverage of net charge-offs (x) | 1.1101% | 3,835 |
| Efficiency ratio | 67.0756% | 4,839 |
| Assets per employee ($millions) | 3.3052% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6936% | 3,358 |
| Loan loss allowance to noncurrent loans | 76.8593% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 3.4045% | 2,004 |
| Noncurrent loans to loans | 2.2035% | 3,315 |
| Net loans and leases to total assets | 77.9560% | 733 |
| Net loans and leases to deposits | 92.8459% | 939 |
| Net loans and leases to core deposits | 99.5494% | 1,378 |
| Total domestic deposits to total assets | 83.9628% | 4,502 |
| Equity capital to assets | 11.3638% | 2,369 |
| Core capital (leverage) ratio | 9.6775% | 3,557 |
| Tier 1 risk-based capital ratio | 11.5939% | 6,028 |
| Total risk-based capital ratio | 12.8486% | 6,009 |
| Memoranda: | ||
| Average total assets | $953,843,000 | 707 |
| Average earning assets | $869,142,000 | 699 |
| Average equity | $106,869,000 | 649 |
| Average total loans | $759,883,000 | 566 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7747% | 1,344 |
| Cost of funding earning assets | 1.0957% | 5,154 |
| Net interest margin | 4.6791% | 854 |
| Noninterest income to average assets | 1.3517% | 803 |
| Noninterest expense to average assets | 3.6102% | 1,897 |
| Loan and lease loss provision to assets | 1.0979% | 1,458 |
| Net operating income to assets | 0.8957% | 2,409 |
| Return on assets (ROA) | 0.7939% | 2,967 |
| Pretax return on assets | 0.7975% | 3,649 |
| Return on Equity (ROE) | 7.3007% | 2,979 |
| Retained earnings to average equity (ytd only) | 3.8865% | 3,149 |
| Net charge-offs to loans | 1.0662% | 2,077 |
| Credit loss provision to net charge-offs | 129.5764% | 3,077 |
| Earnings coverage of net charge-offs (x) | 2.3571% | 3,968 |
| Efficiency ratio | 63.1361% | 5,491 |
| Assets per employee ($millions) | 3.3072% | 5,415 |
| Cash dividends to net income (ytd only)* | 46.7654% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8774% | 2,622 |
| Loan loss allowance to noncurrent loans | 77.8669% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 3.3544% | 2,092 |
| Noncurrent loans to loans | 2.4111% | 3,104 |
| Net loans and leases to total assets | 78.5278% | 873 |
| Net loans and leases to deposits | 94.3608% | 1,027 |
| Net loans and leases to core deposits | 103.9195% | 1,320 |
| Total domestic deposits to total assets | 83.2208% | 4,699 |
| Equity capital to assets | 11.0450% | 2,648 |
| Core capital (leverage) ratio | 9.0980% | 4,361 |
| Tier 1 risk-based capital ratio | 11.2251% | 6,160 |
| Total risk-based capital ratio | 12.4806% | 6,141 |
| Memoranda: | ||
| Average total assets | $969,663,600 | 687 |
| Average earning assets | $881,927,600 | 685 |
| Average equity | $105,442,000 | 643 |
| Average total loans | $770,571,600 | 565 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7205% | 1,645 |
| Cost of funding earning assets | 1.0981% | 5,428 |
| Net interest margin | 4.6223% | 1,001 |
| Noninterest income to average assets | 1.3145% | 796 |
| Noninterest expense to average assets | 3.4805% | 2,076 |
| Loan and lease loss provision to assets | 1.0106% | 1,466 |
| Net operating income to assets | 1.0224% | 2,168 |
| Return on assets (ROA) | 0.9162% | 2,689 |
| Pretax return on assets | 0.9210% | 3,490 |
| Return on Equity (ROE) | 8.4581% | 2,708 |
| Retained earnings to average equity (ytd only) | 7.6992% | 1,517 |
| Net charge-offs to loans | 1.0648% | 1,908 |
| Credit loss provision to net charge-offs | 119.6431% | 3,451 |
| Earnings coverage of net charge-offs (x) | 2.4138% | 3,970 |
| Efficiency ratio | 62.4715% | 5,528 |
| Assets per employee ($millions) | 3.6213% | 4,685 |
| Cash dividends to net income (ytd only)* | 8.9726% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 3,174 |
| Loan loss allowance to noncurrent loans | 61.4715% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.9882% | 2,432 |
| Noncurrent loans to loans | 2.7511% | 2,887 |
| Net loans and leases to total assets | 75.6140% | 1,475 |
| Net loans and leases to deposits | 90.0040% | 1,716 |
| Net loans and leases to core deposits | 105.9206% | 1,334 |
| Total domestic deposits to total assets | 84.0118% | 4,122 |
| Equity capital to assets | 10.8573% | 3,105 |
| Core capital (leverage) ratio | 9.2050% | 4,362 |
| Tier 1 risk-based capital ratio | 11.0314% | 6,345 |
| Total risk-based capital ratio | 12.2814% | 6,325 |
| Memoranda: | ||
| Average total assets | $973,131,000 | 678 |
| Average earning assets | $885,245,750 | 679 |
| Average equity | $105,410,750 | 633 |
| Average total loans | $771,983,250 | 563 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7824% | 1,470 |
| Cost of funding earning assets | 1.0931% | 5,712 |
| Net interest margin | 4.6893% | 827 |
| Noninterest income to average assets | 1.2543% | 824 |
| Noninterest expense to average assets | 3.4153% | 2,223 |
| Loan and lease loss provision to assets | 1.0890% | 1,320 |
| Net operating income to assets | 1.0305% | 2,083 |
| Return on assets (ROA) | 0.8691% | 2,794 |
| Pretax return on assets | 0.8764% | 3,591 |
| Return on Equity (ROE) | 8.0302% | 2,872 |
| Retained earnings to average equity (ytd only) | 6.8762% | 1,889 |
| Net charge-offs to loans | 1.0147% | 1,837 |
| Credit loss provision to net charge-offs | 133.8536% | 3,004 |
| Earnings coverage of net charge-offs (x) | 2.6162% | 3,688 |
| Efficiency ratio | 61.0101% | 5,854 |
| Assets per employee ($millions) | 3.6334% | 4,625 |
| Cash dividends to net income (ytd only)* | 14.3713% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 3,038 |
| Loan loss allowance to noncurrent loans | 86.6161% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 2.1199% | 3,349 |
| Noncurrent loans to loans | 1.9727% | 3,759 |
| Net loans and leases to total assets | 77.7173% | 1,162 |
| Net loans and leases to deposits | 91.9513% | 1,540 |
| Net loans and leases to core deposits | 108.0946% | 1,293 |
| Total domestic deposits to total assets | 84.5201% | 3,858 |
| Equity capital to assets | 10.8201% | 3,058 |
| Core capital (leverage) ratio | 9.4402% | 3,910 |
| Tier 1 risk-based capital ratio | 10.7698% | 6,470 |
| Total risk-based capital ratio | 12.0245% | 6,454 |
| Memoranda: | ||
| Average total assets | $960,727,330 | 692 |
| Average earning assets | $878,809,330 | 681 |
| Average equity | $103,982,330 | 636 |
| Average total loans | $770,277,000 | 565 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7880% | 1,500 |
| Cost of funding earning assets | 1.1091% | 5,856 |
| Net interest margin | 4.6789% | 818 |
| Noninterest income to average assets | 1.2397% | 800 |
| Noninterest expense to average assets | 3.3828% | 2,283 |
| Loan and lease loss provision to assets | 1.2940% | 935 |
| Net operating income to assets | 0.8242% | 2,866 |
| Return on assets (ROA) | 0.7242% | 3,446 |
| Pretax return on assets | 0.7347% | 4,109 |
| Return on Equity (ROE) | 6.6900% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.6900% | 2,284 |
| Net charge-offs to loans | 1.1277% | 1,491 |
| Credit loss provision to net charge-offs | 142.0980% | 2,504 |
| Earnings coverage of net charge-offs (x) | 2.3387% | 3,377 |
| Efficiency ratio | 60.7634% | 6,039 |
| Assets per employee ($millions) | 3.5962% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6854% | 3,117 |
| Loan loss allowance to noncurrent loans | 87.2122% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 2.0926% | 3,396 |
| Noncurrent loans to loans | 1.9326% | 3,885 |
| Net loans and leases to total assets | 78.9022% | 993 |
| Net loans and leases to deposits | 95.3909% | 1,184 |
| Net loans and leases to core deposits | 109.9917% | 1,268 |
| Total domestic deposits to total assets | 82.7146% | 4,751 |
| Equity capital to assets | 10.9239% | 2,832 |
| Core capital (leverage) ratio | 9.0500% | 4,475 |
| Tier 1 risk-based capital ratio | 10.6202% | 6,522 |
| Total risk-based capital ratio | 11.8744% | 6,506 |
| Memoranda: | ||
| Average total assets | $950,577,500 | 713 |
| Average earning assets | $868,071,500 | 708 |
| Average equity | $102,899,500 | 647 |
| Average total loans | $767,574,500 | 588 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2934% | 1,039 |
| Cost of funding earning assets | 1.5572% | 5,246 |
| Net interest margin | 4.7362% | 786 |
| Noninterest income to average assets | 1.5007% | 638 |
| Noninterest expense to average assets | 3.6505% | 2,028 |
| Loan and lease loss provision to assets | 1.1331% | 2,013 |
| Net operating income to assets | 1.0451% | 1,689 |
| Return on assets (ROA) | 0.9423% | 2,089 |
| Pretax return on assets | 0.9481% | 2,767 |
| Return on Equity (ROE) | 8.8280% | 2,080 |
| Retained earnings to average equity (ytd only) | 0.7271% | 4,499 |
| Net charge-offs to loans | 1.1062% | 2,208 |
| Credit loss provision to net charge-offs | 124.7828% | 4,200 |
| Earnings coverage of net charge-offs (x) | 2.4061% | 3,927 |
| Efficiency ratio | 61.8623% | 6,176 |
| Assets per employee ($millions) | 3.5915% | 4,802 |
| Cash dividends to net income (ytd only)* | 91.7642% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,510 |
| Loan loss allowance to noncurrent loans | 196.2981% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 4,875 |
| Noncurrent loans to loans | 0.7861% | 5,703 |
| Net loans and leases to total assets | 79.9868% | 992 |
| Net loans and leases to deposits | 97.1610% | 1,194 |
| Net loans and leases to core deposits | 114.4797% | 2,461 |
| Total domestic deposits to total assets | 82.3240% | 4,804 |
| Equity capital to assets | 10.7262% | 2,947 |
| Core capital (leverage) ratio | 9.0375% | 4,361 |
| Tier 1 risk-based capital ratio | 9.9039% | 6,951 |
| Total risk-based capital ratio | 11.1561% | 6,926 |
| Memoranda: | ||
| Average total assets | $925,144,200 | 731 |
| Average earning assets | $846,717,000 | 717 |
| Average equity | $98,753,800 | 667 |
| Average total loans | $759,456,400 | 602 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3260% | 1,080 |
| Cost of funding earning assets | 1.6466% | 5,177 |
| Net interest margin | 4.6794% | 869 |
| Noninterest income to average assets | 1.4233% | 740 |
| Noninterest expense to average assets | 3.6867% | 1,851 |
| Loan and lease loss provision to assets | 0.7036% | 2,621 |
| Net operating income to assets | 1.3103% | 1,195 |
| Return on assets (ROA) | 1.2587% | 1,385 |
| Pretax return on assets | 1.2692% | 2,047 |
| Return on Equity (ROE) | 11.8066% | 1,414 |
| Retained earnings to average equity (ytd only) | 9.0834% | 825 |
| Net charge-offs to loans | 0.4137% | 3,606 |
| Credit loss provision to net charge-offs | 206.6070% | 2,144 |
| Earnings coverage of net charge-offs (x) | 5.9459% | 2,700 |
| Efficiency ratio | 64.0319% | 5,748 |
| Assets per employee ($millions) | 3.3483% | 5,263 |
| Cash dividends to net income (ytd only)* | 23.0654% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 2,843 |
| Loan loss allowance to noncurrent loans | 108.0774% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.8948% | 3,515 |
| Noncurrent loans to loans | 1.5192% | 4,375 |
| Net loans and leases to total assets | 80.6419% | 1,053 |
| Net loans and leases to deposits | 98.4900% | 1,266 |
| Net loans and leases to core deposits | 118.2490% | 2,393 |
| Total domestic deposits to total assets | 81.8783% | 4,724 |
| Equity capital to assets | 11.8136% | 2,348 |
| Core capital (leverage) ratio | 9.8798% | 3,423 |
| Tier 1 risk-based capital ratio | 10.8552% | 6,103 |
| Total risk-based capital ratio | 12.1081% | 6,054 |
| Memoranda: | ||
| Average total assets | $918,490,500 | 747 |
| Average earning assets | $841,717,500 | 735 |
| Average equity | $97,920,250 | 675 |
| Average total loans | $756,017,250 | 620 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3342% | 1,129 |
| Cost of funding earning assets | 1.7511% | 5,000 |
| Net interest margin | 4.5831% | 993 |
| Noninterest income to average assets | 1.3913% | 789 |
| Noninterest expense to average assets | 3.4835% | 2,389 |
| Loan and lease loss provision to assets | 0.7795% | 2,133 |
| Net operating income to assets | 1.3244% | 1,179 |
| Return on assets (ROA) | 1.3367% | 1,216 |
| Pretax return on assets | 1.3478% | 1,885 |
| Return on Equity (ROE) | 13.0061% | 1,180 |
| Retained earnings to average equity (ytd only) | 10.8882% | 580 |
| Net charge-offs to loans | 0.2625% | 3,875 |
| Credit loss provision to net charge-offs | 360.2616% | 1,286 |
| Earnings coverage of net charge-offs (x) | 9.7746% | 2,078 |
| Efficiency ratio | 61.7418% | 6,281 |
| Assets per employee ($millions) | 3.3240% | 5,253 |
| Cash dividends to net income (ytd only)* | 16.2840% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6322% | 2,607 |
| Loan loss allowance to noncurrent loans | 123.5814% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 1.8280% | 3,438 |
| Noncurrent loans to loans | 1.3207% | 4,573 |
| Net loans and leases to total assets | 81.3995% | 1,071 |
| Net loans and leases to deposits | 101.2313% | 1,151 |
| Net loans and leases to core deposits | 124.4139% | 1,985 |
| Total domestic deposits to total assets | 80.4094% | 5,315 |
| Equity capital to assets | 11.3726% | 2,618 |
| Core capital (leverage) ratio | 9.7913% | 3,529 |
| Tier 1 risk-based capital ratio | 10.4564% | 6,419 |
| Total risk-based capital ratio | 11.7056% | 6,368 |
| Memoranda: | ||
| Average total assets | $918,841,000 | 763 |
| Average earning assets | $843,455,330 | 750 |
| Average equity | $94,432,670 | 702 |
| Average total loans | $757,293,000 | 639 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3327% | 1,212 |
| Cost of funding earning assets | 1.8926% | 4,661 |
| Net interest margin | 4.4401% | 1,250 |
| Noninterest income to average assets | 1.1383% | 1,137 |
| Noninterest expense to average assets | 3.2248% | 2,881 |
| Loan and lease loss provision to assets | 1.0607% | 1,235 |
| Net operating income to assets | 0.9199% | 2,618 |
| Return on assets (ROA) | 0.9199% | 2,761 |
| Pretax return on assets | 0.9330% | 3,591 |
| Return on Equity (ROE) | 9.4566% | 2,552 |
| Retained earnings to average equity (ytd only) | 7.6647% | 1,947 |
| Net charge-offs to loans | 0.1992% | 3,441 |
| Credit loss provision to net charge-offs | 647.3404% | 892 |
| Earnings coverage of net charge-offs (x) | 12.1676% | 1,823 |
| Efficiency ratio | 61.4280% | 6,171 |
| Assets per employee ($millions) | 3.9589% | 3,754 |
| Cash dividends to net income (ytd only)* | 18.9484% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5735% | 2,633 |
| Loan loss allowance to noncurrent loans | 121.9980% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 1.7906% | 3,238 |
| Noncurrent loans to loans | 1.2898% | 4,396 |
| Net loans and leases to total assets | 81.0933% | 1,184 |
| Net loans and leases to deposits | 98.5878% | 1,587 |
| Net loans and leases to core deposits | 123.1840% | 2,147 |
| Total domestic deposits to total assets | 82.2549% | 4,451 |
| Equity capital to assets | 9.8400% | 4,195 |
| Core capital (leverage) ratio | 8.6022% | 5,339 |
| Tier 1 risk-based capital ratio | 9.3472% | 7,550 |
| Total risk-based capital ratio | 10.5988% | 7,510 |
| Memoranda: | ||
| Average total assets | $917,885,000 | 766 |
| Average earning assets | $843,500,000 | 752 |
| Average equity | $89,292,000 | 741 |
| Average total loans | $754,977,500 | 651 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8763% | 1,478 |
| Cost of funding earning assets | 2.6841% | 3,235 |
| Net interest margin | 4.1921% | 2,340 |
| Noninterest income to average assets | 0.9457% | 1,789 |
| Noninterest expense to average assets | 3.2196% | 3,259 |
| Loan and lease loss provision to assets | 0.8817% | 1,692 |
| Net operating income to assets | 0.6855% | 3,956 |
| Return on assets (ROA) | 0.6855% | 3,796 |
| Pretax return on assets | 0.6963% | 4,408 |
| Return on Equity (ROE) | 6.9804% | 3,543 |
| Retained earnings to average equity (ytd only) | 0.4886% | 4,949 |
| Net charge-offs to loans | 0.8340% | 1,503 |
| Credit loss provision to net charge-offs | 128.9758% | 4,133 |
| Earnings coverage of net charge-offs (x) | 2.3082% | 4,931 |
| Efficiency ratio | 66.6838% | 4,977 |
| Assets per employee ($millions) | 3.7749% | 4,015 |
| Cash dividends to net income (ytd only)* | 93.0005% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 3,726 |
| Loan loss allowance to noncurrent loans | 70.1096% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.9132% | 2,563 |
| Noncurrent loans to loans | 1.8650% | 2,963 |
| Net loans and leases to total assets | 81.0402% | 1,428 |
| Net loans and leases to deposits | 99.4386% | 1,917 |
| Net loans and leases to core deposits | 119.8007% | 2,707 |
| Total domestic deposits to total assets | 81.4977% | 4,408 |
| Equity capital to assets | 9.6159% | 4,523 |
| Core capital (leverage) ratio | 8.4137% | 5,730 |
| Tier 1 risk-based capital ratio | 9.1073% | 7,711 |
| Total risk-based capital ratio | 10.2876% | 7,737 |
| Memoranda: | ||
| Average total assets | $894,036,800 | 751 |
| Average earning assets | $821,465,000 | 739 |
| Average equity | $87,803,600 | 757 |
| Average total loans | $732,816,400 | 655 |