Home > Independence Bank of Kentucky > Performance and Condition Ratios
Independence Bank of Kentucky, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2787% | 3,472 |
| Cost of funding earning assets | 2.1958% | 644 |
| Net interest margin | 2.0829% | 4,384 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 1.9401% | 3,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5401% | 3,588 |
| Return on assets (ROA) | 0.5419% | 3,573 |
| Pretax return on assets | 0.5419% | 3,740 |
| Return on Equity (ROE) | 8.2200% | 2,966 |
| Retained earnings to average equity (ytd only) | -0.0675% | 4,088 |
| Net charge-offs to loans | -0.0018% | 3,675 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.2246% | 1,053 |
| Assets per employee ($millions) | 8.9901% | 986 |
| Cash dividends to net income (ytd only)* | 100.8210% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9438% | 3,556 |
| Loan loss allowance to noncurrent loans | 767.9047% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,127 |
| Noncurrent loans to loans | 0.1229% | 2,903 |
| Net loans and leases to total assets | 53.6400% | 3,377 |
| Net loans and leases to deposits | 62.5408% | 3,382 |
| Net loans and leases to core deposits | 75.6206% | 3,003 |
| Total domestic deposits to total assets | 85.7600% | 2,084 |
| Equity capital to assets | 6.2073% | 4,193 |
| Core capital (leverage) ratio | 7.4021% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7087% | 2,652 |
| Memoranda: | ||
| Average total assets | $3,619,109,000 | 347 |
| Average earning assets | $3,467,427,600 | 328 |
| Average equity | $238,576,000 | 468 |
| Average total loans | $1,908,498,200 | 422 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 3,440 |
| Cost of funding earning assets | 2.0279% | 670 |
| Net interest margin | 2.1874% | 4,360 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.9712% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6110% | 3,516 |
| Return on assets (ROA) | 0.6157% | 3,499 |
| Pretax return on assets | 0.6157% | 3,713 |
| Return on Equity (ROE) | 9.2000% | 2,871 |
| Retained earnings to average equity (ytd only) | 0.8822% | 3,973 |
| Net charge-offs to loans | -0.0009% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.3385% | 1,147 |
| Assets per employee ($millions) | 8.5229% | 1,112 |
| Cash dividends to net income (ytd only)* | 90.4128% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 3,492 |
| Loan loss allowance to noncurrent loans | 1,612.7334% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 3,352 |
| Noncurrent loans to loans | 0.0602% | 3,323 |
| Net loans and leases to total assets | 52.9600% | 3,428 |
| Net loans and leases to deposits | 62.7910% | 3,350 |
| Net loans and leases to core deposits | 76.8068% | 2,816 |
| Total domestic deposits to total assets | 84.3500% | 2,675 |
| Equity capital to assets | 6.4024% | 3,859 |
| Core capital (leverage) ratio | 7.5838% | 4,486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0271% | 2,603 |
| Memoranda: | ||
| Average total assets | $3,593,405,750 | 356 |
| Average earning assets | $3,440,661,750 | 333 |
| Average equity | $240,462,500 | 463 |
| Average total loans | $1,881,781,500 | 429 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 3,431 |
| Cost of funding earning assets | 1.7913% | 745 |
| Net interest margin | 2.3372% | 4,342 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.9654% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7430% | 3,239 |
| Return on assets (ROA) | 0.7502% | 3,236 |
| Pretax return on assets | 0.7502% | 3,501 |
| Return on Equity (ROE) | 11.0500% | 2,403 |
| Retained earnings to average equity (ytd only) | 1.0050% | 3,915 |
| Net charge-offs to loans | -0.0004% | 3,389 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.5666% | 1,500 |
| Assets per employee ($millions) | 8.2931% | 1,193 |
| Cash dividends to net income (ytd only)* | 90.9030% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 3,415 |
| Loan loss allowance to noncurrent loans | 1,474.3789% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,285 |
| Noncurrent loans to loans | 0.0679% | 3,214 |
| Net loans and leases to total assets | 51.9600% | 3,415 |
| Net loans and leases to deposits | 65.2832% | 3,103 |
| Net loans and leases to core deposits | 73.1958% | 2,951 |
| Total domestic deposits to total assets | 79.6000% | 3,628 |
| Equity capital to assets | 6.7253% | 3,906 |
| Core capital (leverage) ratio | 7.6229% | 4,497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3242% | 2,528 |
| Memoranda: | ||
| Average total assets | $3,572,434,333 | 343 |
| Average earning assets | $3,419,042,000 | 323 |
| Average equity | $242,586,333 | 449 |
| Average total loans | $1,857,209,333 | 418 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9730% | 3,498 |
| Cost of funding earning assets | 1.5028% | 841 |
| Net interest margin | 2.4702% | 4,332 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 1.9720% | 3,687 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8691% | 2,961 |
| Return on assets (ROA) | 0.8835% | 2,863 |
| Pretax return on assets | 0.8835% | 3,284 |
| Return on Equity (ROE) | 12.9500% | 1,999 |
| Retained earnings to average equity (ytd only) | 2.1577% | 3,671 |
| Net charge-offs to loans | 0.0007% | 2,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2,571.6667% | 30 |
| Efficiency ratio | 69.4092% | 1,812 |
| Assets per employee ($millions) | 8.2544% | 1,224 |
| Cash dividends to net income (ytd only)* | 83.3355% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,352 |
| Loan loss allowance to noncurrent loans | 1,338.7165% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,235 |
| Noncurrent loans to loans | 0.0775% | 3,184 |
| Net loans and leases to total assets | 49.8600% | 3,504 |
| Net loans and leases to deposits | 57.9820% | 3,455 |
| Net loans and leases to core deposits | 69.5521% | 2,983 |
| Total domestic deposits to total assets | 86.0000% | 2,590 |
| Equity capital to assets | 6.7354% | 3,949 |
| Core capital (leverage) ratio | 7.8690% | 4,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5014% | 2,572 |
| Memoranda: | ||
| Average total assets | $3,550,754,500 | 357 |
| Average earning assets | $3,399,740,500 | 334 |
| Average equity | $242,293,500 | 460 |
| Average total loans | $1,836,881,500 | 427 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 2,593 |
| Cost of funding earning assets | 0.6439% | 742 |
| Net interest margin | 3.0324% | 3,351 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 2.0215% | 3,530 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3697% | 1,211 |
| Return on assets (ROA) | 1.3697% | 1,169 |
| Pretax return on assets | 1.3697% | 1,865 |
| Return on Equity (ROE) | 18.9300% | 580 |
| Retained earnings to average equity (ytd only) | 4.6708% | 3,188 |
| Net charge-offs to loans | 0.0140% | 1,860 |
| Credit loss provision to net charge-offs | 172.4138% | 1,208 |
| Earnings coverage of net charge-offs (x) | 198.9569% | 647 |
| Efficiency ratio | 59.4001% | 3,134 |
| Assets per employee ($millions) | 7.6422% | 1,519 |
| Cash dividends to net income (ytd only)* | 75.3202% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 3,492 |
| Loan loss allowance to noncurrent loans | 1,194.2895% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,214 |
| Noncurrent loans to loans | 0.0817% | 3,172 |
| Net loans and leases to total assets | 52.6200% | 3,314 |
| Net loans and leases to deposits | 62.8852% | 3,121 |
| Net loans and leases to core deposits | 66.6071% | 3,089 |
| Total domestic deposits to total assets | 83.6800% | 3,277 |
| Equity capital to assets | 6.9162% | 3,707 |
| Core capital (leverage) ratio | 8.0136% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5405% | 2,553 |
| Memoranda: | ||
| Average total assets | $3,340,761,600 | 359 |
| Average earning assets | $3,196,768,000 | 340 |
| Average equity | $241,776,800 | 455 |
| Average total loans | $1,656,954,200 | 434 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5847% | 2,387 |
| Cost of funding earning assets | 0.4693% | 881 |
| Net interest margin | 3.1153% | 2,885 |
| Noninterest income to average assets | 0.5200% | 2,044 |
| Noninterest expense to average assets | 2.0811% | 3,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4157% | 1,042 |
| Return on assets (ROA) | 1.4157% | 1,015 |
| Pretax return on assets | 1.4157% | 1,666 |
| Return on Equity (ROE) | 19.3400% | 497 |
| Retained earnings to average equity (ytd only) | 4.4551% | 3,307 |
| Net charge-offs to loans | 0.0128% | 1,644 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 228.1234% | 580 |
| Efficiency ratio | 59.5144% | 3,179 |
| Assets per employee ($millions) | 7.4623% | 1,634 |
| Cash dividends to net income (ytd only)* | 76.9605% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,468 |
| Loan loss allowance to noncurrent loans | 930.6639% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,170 |
| Noncurrent loans to loans | 0.1078% | 3,112 |
| Net loans and leases to total assets | 51.3500% | 3,352 |
| Net loans and leases to deposits | 61.6914% | 3,044 |
| Net loans and leases to core deposits | 64.9133% | 3,041 |
| Total domestic deposits to total assets | 83.2300% | 3,653 |
| Equity capital to assets | 6.9291% | 3,553 |
| Core capital (leverage) ratio | 8.1420% | 4,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9125% | 2,509 |
| Memoranda: | ||
| Average total assets | $3,308,563,000 | 358 |
| Average earning assets | $3,166,592,500 | 342 |
| Average equity | $242,230,750 | 458 |
| Average total loans | $1,610,257,000 | 439 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5043% | 2,131 |
| Cost of funding earning assets | 0.3438% | 1,325 |
| Net interest margin | 3.1605% | 2,324 |
| Noninterest income to average assets | 0.5334% | 2,028 |
| Noninterest expense to average assets | 2.1038% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4549% | 785 |
| Return on assets (ROA) | 1.4549% | 765 |
| Pretax return on assets | 1.4549% | 1,300 |
| Return on Equity (ROE) | 19.5116% | 340 |
| Retained earnings to average equity (ytd only) | 3.7178% | 3,198 |
| Net charge-offs to loans | 0.0208% | 1,319 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 147.2716% | 654 |
| Efficiency ratio | 59.1172% | 3,424 |
| Assets per employee ($millions) | 7.5941% | 1,554 |
| Cash dividends to net income (ytd only)* | 80.9456% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 3,241 |
| Loan loss allowance to noncurrent loans | 785.7588% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 3,112 |
| Noncurrent loans to loans | 0.1373% | 3,019 |
| Net loans and leases to total assets | 48.8776% | 3,477 |
| Net loans and leases to deposits | 55.7159% | 3,406 |
| Net loans and leases to core deposits | 58.3643% | 3,400 |
| Total domestic deposits to total assets | 87.7265% | 2,685 |
| Equity capital to assets | 7.3918% | 3,539 |
| Core capital (leverage) ratio | 8.2911% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4323% | 2,321 |
| Memoranda: | ||
| Average total assets | $3,279,637,667 | 359 |
| Average earning assets | $3,139,393,333 | 341 |
| Average equity | $244,552,000 | 454 |
| Average total loans | $1,559,990,667 | 446 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 1,968 |
| Cost of funding earning assets | 0.2988% | 1,670 |
| Net interest margin | 3.1437% | 2,042 |
| Noninterest income to average assets | 0.5754% | 1,801 |
| Noninterest expense to average assets | 2.1169% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4668% | 683 |
| Return on assets (ROA) | 1.4668% | 679 |
| Pretax return on assets | 1.4668% | 1,082 |
| Return on Equity (ROE) | 19.5847% | 245 |
| Retained earnings to average equity (ytd only) | 0.1391% | 3,989 |
| Net charge-offs to loans | 0.0210% | 1,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 149.6125% | 534 |
| Efficiency ratio | 59.0705% | 3,578 |
| Assets per employee ($millions) | 7.9291% | 1,411 |
| Cash dividends to net income (ytd only)* | 99.2898% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1848% | 2,937 |
| Loan loss allowance to noncurrent loans | 883.3665% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 3,272 |
| Noncurrent loans to loans | 0.1341% | 3,140 |
| Net loans and leases to total assets | 44.9589% | 3,661 |
| Net loans and leases to deposits | 50.6348% | 3,679 |
| Net loans and leases to core deposits | 52.8906% | 3,672 |
| Total domestic deposits to total assets | 88.7905% | 2,172 |
| Equity capital to assets | 7.1258% | 4,147 |
| Core capital (leverage) ratio | 7.5211% | 4,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1436% | 2,555 |
| Memoranda: | ||
| Average total assets | $3,263,942,500 | 362 |
| Average earning assets | $3,123,458,500 | 348 |
| Average equity | $244,456,000 | 460 |
| Average total loans | $1,521,982,500 | 456 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7909% | 1,894 |
| Cost of funding earning assets | 0.3731% | 1,733 |
| Net interest margin | 3.4178% | 1,971 |
| Noninterest income to average assets | 0.5707% | 2,275 |
| Noninterest expense to average assets | 2.0630% | 3,493 |
| Loan and lease loss provision to assets | 0.0407% | 2,230 |
| Net operating income to assets | 1.7326% | 593 |
| Return on assets (ROA) | 1.7326% | 613 |
| Pretax return on assets | 1.7326% | 1,062 |
| Return on Equity (ROE) | 21.9679% | 222 |
| Retained earnings to average equity (ytd only) | 7.4651% | 1,736 |
| Net charge-offs to loans | 0.0131% | 2,070 |
| Credit loss provision to net charge-offs | 612.7451% | 715 |
| Earnings coverage of net charge-offs (x) | 267.1078% | 441 |
| Efficiency ratio | 53.7754% | 3,954 |
| Assets per employee ($millions) | 7.8196% | 1,432 |
| Cash dividends to net income (ytd only)* | 66.0180% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,122 |
| Loan loss allowance to noncurrent loans | 1,298.6880% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 3,545 |
| Noncurrent loans to loans | 0.0887% | 3,490 |
| Net loans and leases to total assets | 47.2306% | 3,577 |
| Net loans and leases to deposits | 54.0453% | 3,596 |
| Net loans and leases to core deposits | 56.5269% | 3,577 |
| Total domestic deposits to total assets | 87.3909% | 2,342 |
| Equity capital to assets | 7.8593% | 4,442 |
| Core capital (leverage) ratio | 7.9212% | 4,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0830% | 2,600 |
| Memoranda: | ||
| Average total assets | $3,072,814,600 | 366 |
| Average earning assets | $2,935,913,400 | 356 |
| Average equity | $242,353,400 | 459 |
| Average total loans | $1,552,580,000 | 459 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7745% | 2,078 |
| Cost of funding earning assets | 0.3954% | 1,727 |
| Net interest margin | 3.3791% | 2,212 |
| Noninterest income to average assets | 0.5726% | 2,330 |
| Noninterest expense to average assets | 2.0853% | 3,407 |
| Loan and lease loss provision to assets | 0.0550% | 1,886 |
| Net operating income to assets | 1.6592% | 905 |
| Return on assets (ROA) | 1.6592% | 948 |
| Pretax return on assets | 1.6592% | 1,524 |
| Return on Equity (ROE) | 21.0172% | 358 |
| Retained earnings to average equity (ytd only) | 6.1040% | 2,778 |
| Net charge-offs to loans | 0.0163% | 1,745 |
| Credit loss provision to net charge-offs | 657.8947% | 670 |
| Earnings coverage of net charge-offs (x) | 205.1421% | 545 |
| Efficiency ratio | 54.8846% | 3,681 |
| Assets per employee ($millions) | 7.6183% | 1,497 |
| Cash dividends to net income (ytd only)* | 70.9571% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,106 |
| Loan loss allowance to noncurrent loans | 1,440.3877% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 3,707 |
| Noncurrent loans to loans | 0.0815% | 3,679 |
| Net loans and leases to total assets | 49.0328% | 3,521 |
| Net loans and leases to deposits | 58.2511% | 3,386 |
| Net loans and leases to core deposits | 61.2017% | 3,387 |
| Total domestic deposits to total assets | 84.1749% | 3,412 |
| Equity capital to assets | 8.1061% | 4,464 |
| Core capital (leverage) ratio | 7.9143% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4051% | 2,580 |
| Memoranda: | ||
| Average total assets | $3,031,692,000 | 375 |
| Average earning assets | $2,895,151,500 | 362 |
| Average equity | $239,334,000 | 466 |
| Average total loans | $1,554,020,500 | 462 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 2,045 |
| Cost of funding earning assets | 0.4325% | 1,644 |
| Net interest margin | 3.3769% | 2,213 |
| Noninterest income to average assets | 0.5712% | 2,332 |
| Noninterest expense to average assets | 2.0702% | 3,491 |
| Loan and lease loss provision to assets | 0.0827% | 1,477 |
| Net operating income to assets | 1.6422% | 961 |
| Return on assets (ROA) | 1.6422% | 1,014 |
| Pretax return on assets | 1.6422% | 1,632 |
| Return on Equity (ROE) | 20.9916% | 382 |
| Retained earnings to average equity (ytd only) | 4.9018% | 3,219 |
| Net charge-offs to loans | 0.0176% | 1,592 |
| Credit loss provision to net charge-offs | 905.7971% | 498 |
| Earnings coverage of net charge-offs (x) | 188.8261% | 512 |
| Efficiency ratio | 54.5497% | 3,733 |
| Assets per employee ($millions) | 7.4624% | 1,499 |
| Cash dividends to net income (ytd only)* | 76.6487% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1483% | 3,202 |
| Loan loss allowance to noncurrent loans | 1,030.1843% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 3,653 |
| Noncurrent loans to loans | 0.1115% | 3,633 |
| Net loans and leases to total assets | 50.5675% | 3,499 |
| Net loans and leases to deposits | 58.3810% | 3,511 |
| Net loans and leases to core deposits | 61.2590% | 3,524 |
| Total domestic deposits to total assets | 86.6163% | 2,497 |
| Equity capital to assets | 8.0123% | 4,526 |
| Core capital (leverage) ratio | 7.6347% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4423% | 2,562 |
| Memoranda: | ||
| Average total assets | $3,021,398,667 | 371 |
| Average earning assets | $2,884,497,333 | 358 |
| Average equity | $236,360,667 | 465 |
| Average total loans | $1,565,528,667 | 462 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 1,722 |
| Cost of funding earning assets | 0.4482% | 1,737 |
| Net interest margin | 3.4947% | 1,840 |
| Noninterest income to average assets | 0.5696% | 2,328 |
| Noninterest expense to average assets | 2.0574% | 3,539 |
| Loan and lease loss provision to assets | 0.0997% | 1,354 |
| Net operating income to assets | 1.7454% | 875 |
| Return on assets (ROA) | 1.7454% | 926 |
| Pretax return on assets | 1.7454% | 1,405 |
| Return on Equity (ROE) | 22.5879% | 359 |
| Retained earnings to average equity (ytd only) | 2.6590% | 3,883 |
| Net charge-offs to loans | 0.0033% | 1,806 |
| Credit loss provision to net charge-offs | 5,769.2308% | 103 |
| Earnings coverage of net charge-offs (x) | 1,067.9231% | 89 |
| Efficiency ratio | 52.7210% | 3,937 |
| Assets per employee ($millions) | 7.7291% | 1,327 |
| Cash dividends to net income (ytd only)* | 88.2281% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 3,309 |
| Loan loss allowance to noncurrent loans | 1,115.2229% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 3,827 |
| Noncurrent loans to loans | 0.1009% | 3,799 |
| Net loans and leases to total assets | 50.0095% | 3,624 |
| Net loans and leases to deposits | 57.2605% | 3,697 |
| Net loans and leases to core deposits | 60.1846% | 3,685 |
| Total domestic deposits to total assets | 87.3369% | 2,163 |
| Equity capital to assets | 7.5192% | 4,700 |
| Core capital (leverage) ratio | 7.5193% | 4,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9444% | 2,689 |
| Memoranda: | ||
| Average total assets | $3,009,770,500 | 371 |
| Average earning assets | $2,870,369,000 | 357 |
| Average equity | $232,567,000 | 472 |
| Average total loans | $1,569,548,500 | 460 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,009 |
| Cost of funding earning assets | 0.6631% | 1,911 |
| Net interest margin | 3.5817% | 2,209 |
| Noninterest income to average assets | 0.3814% | 3,204 |
| Noninterest expense to average assets | 2.0647% | 4,014 |
| Loan and lease loss provision to assets | 0.1611% | 2,359 |
| Net operating income to assets | 1.5485% | 716 |
| Return on assets (ROA) | 1.5489% | 778 |
| Pretax return on assets | 1.5489% | 1,197 |
| Return on Equity (ROE) | 19.2696% | 266 |
| Retained earnings to average equity (ytd only) | 5.7027% | 1,950 |
| Net charge-offs to loans | 0.0631% | 1,875 |
| Credit loss provision to net charge-offs | 480.2561% | 1,288 |
| Earnings coverage of net charge-offs (x) | 50.9541% | 1,183 |
| Efficiency ratio | 54.7034% | 4,129 |
| Assets per employee ($millions) | 7.3584% | 1,359 |
| Cash dividends to net income (ytd only)* | 70.4057% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 3,638 |
| Loan loss allowance to noncurrent loans | 960.5956% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,896 |
| Noncurrent loans to loans | 0.1103% | 3,851 |
| Net loans and leases to total assets | 53.2192% | 3,561 |
| Net loans and leases to deposits | 62.7448% | 3,544 |
| Net loans and leases to core deposits | 66.3301% | 3,514 |
| Total domestic deposits to total assets | 84.8184% | 2,828 |
| Equity capital to assets | 7.9443% | 4,730 |
| Core capital (leverage) ratio | 7.5955% | 4,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9182% | 2,661 |
| Memoranda: | ||
| Average total assets | $2,792,669,200 | 364 |
| Average earning assets | $2,645,446,400 | 352 |
| Average equity | $224,472,600 | 463 |
| Average total loans | $1,485,843,000 | 451 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 1,975 |
| Cost of funding earning assets | 0.7274% | 1,865 |
| Net interest margin | 3.6199% | 2,201 |
| Noninterest income to average assets | 0.3691% | 3,243 |
| Noninterest expense to average assets | 2.0847% | 3,977 |
| Loan and lease loss provision to assets | 0.1452% | 2,568 |
| Net operating income to assets | 1.5643% | 786 |
| Return on assets (ROA) | 1.5648% | 863 |
| Pretax return on assets | 1.5648% | 1,285 |
| Return on Equity (ROE) | 19.4077% | 266 |
| Retained earnings to average equity (ytd only) | 6.3894% | 1,929 |
| Net charge-offs to loans | 0.0706% | 1,611 |
| Credit loss provision to net charge-offs | 387.5969% | 1,499 |
| Earnings coverage of net charge-offs (x) | 45.6370% | 1,260 |
| Efficiency ratio | 54.9446% | 4,045 |
| Assets per employee ($millions) | 7.4628% | 1,234 |
| Cash dividends to net income (ytd only)* | 67.0780% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9727% | 3,810 |
| Loan loss allowance to noncurrent loans | 715.9091% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1358% | 3,742 |
| Noncurrent loans to loans | 0.1359% | 3,837 |
| Net loans and leases to total assets | 54.1285% | 3,790 |
| Net loans and leases to deposits | 66.8633% | 3,555 |
| Net loans and leases to core deposits | 74.3165% | 3,301 |
| Total domestic deposits to total assets | 80.9540% | 3,674 |
| Equity capital to assets | 7.9769% | 4,718 |
| Core capital (leverage) ratio | 7.7310% | 4,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0290% | 2,599 |
| Memoranda: | ||
| Average total assets | $2,754,994,250 | 358 |
| Average earning assets | $2,606,731,500 | 346 |
| Average equity | $222,133,250 | 459 |
| Average total loans | $1,461,501,500 | 454 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 2,030 |
| Cost of funding earning assets | 0.8282% | 1,684 |
| Net interest margin | 3.6330% | 2,367 |
| Noninterest income to average assets | 0.3605% | 3,324 |
| Noninterest expense to average assets | 2.1298% | 3,970 |
| Loan and lease loss provision to assets | 0.1109% | 2,903 |
| Net operating income to assets | 1.5528% | 844 |
| Return on assets (ROA) | 1.5528% | 916 |
| Pretax return on assets | 1.5528% | 1,337 |
| Return on Equity (ROE) | 19.1856% | 290 |
| Retained earnings to average equity (ytd only) | 7.1109% | 1,616 |
| Net charge-offs to loans | 0.0486% | 1,789 |
| Credit loss provision to net charge-offs | 434.7826% | 1,336 |
| Earnings coverage of net charge-offs (x) | 65.2377% | 916 |
| Efficiency ratio | 56.1438% | 3,925 |
| Assets per employee ($millions) | 7.3348% | 1,258 |
| Cash dividends to net income (ytd only)* | 62.9362% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9320% | 3,871 |
| Loan loss allowance to noncurrent loans | 579.4272% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 3,661 |
| Noncurrent loans to loans | 0.1609% | 3,810 |
| Net loans and leases to total assets | 53.5100% | 3,915 |
| Net loans and leases to deposits | 64.0215% | 3,880 |
| Net loans and leases to core deposits | 73.5903% | 3,486 |
| Total domestic deposits to total assets | 83.5814% | 2,894 |
| Equity capital to assets | 7.9812% | 4,727 |
| Core capital (leverage) ratio | 7.7060% | 4,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9840% | 2,621 |
| Memoranda: | ||
| Average total assets | $2,705,651,000 | 359 |
| Average earning assets | $2,556,722,667 | 347 |
| Average equity | $218,987,333 | 461 |
| Average total loans | $1,419,736,000 | 456 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 2,832 |
| Cost of funding earning assets | 1.0184% | 1,343 |
| Net interest margin | 3.3096% | 3,567 |
| Noninterest income to average assets | 0.4281% | 2,916 |
| Noninterest expense to average assets | 2.2333% | 3,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3151% | 1,204 |
| Return on assets (ROA) | 1.3151% | 1,296 |
| Pretax return on assets | 1.3151% | 1,827 |
| Return on Equity (ROE) | 16.1272% | 406 |
| Retained earnings to average equity (ytd only) | 4.2214% | 2,596 |
| Net charge-offs to loans | 0.0006% | 2,575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4,326.5000% | 5 |
| Efficiency ratio | 62.9374% | 3,378 |
| Assets per employee ($millions) | 6.8743% | 1,152 |
| Cash dividends to net income (ytd only)* | 73.8241% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9788% | 3,813 |
| Loan loss allowance to noncurrent loans | 361.7365% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 3,308 |
| Noncurrent loans to loans | 0.2706% | 3,526 |
| Net loans and leases to total assets | 50.0951% | 4,236 |
| Net loans and leases to deposits | 64.2260% | 3,970 |
| Net loans and leases to core deposits | 73.0112% | 3,694 |
| Total domestic deposits to total assets | 77.9982% | 4,222 |
| Equity capital to assets | 8.0917% | 4,951 |
| Core capital (leverage) ratio | 8.1216% | 4,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8604% | 2,768 |
| Memoranda: | ||
| Average total assets | $2,631,848,500 | 356 |
| Average earning assets | $2,481,244,000 | 342 |
| Average equity | $214,618,500 | 466 |
| Average total loans | $1,359,033,000 | 464 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4396% | 3,138 |
| Cost of funding earning assets | 1.3399% | 683 |
| Net interest margin | 3.0997% | 4,366 |
| Noninterest income to average assets | 0.4263% | 3,127 |
| Noninterest expense to average assets | 2.2305% | 4,102 |
| Loan and lease loss provision to assets | 0.0199% | 3,621 |
| Net operating income to assets | 1.1188% | 2,372 |
| Return on assets (ROA) | 1.1188% | 2,470 |
| Pretax return on assets | 1.1188% | 3,111 |
| Return on Equity (ROE) | 13.7141% | 957 |
| Retained earnings to average equity (ytd only) | 9.2411% | 659 |
| Net charge-offs to loans | 0.0826% | 1,934 |
| Credit loss provision to net charge-offs | 44.8029% | 3,166 |
| Earnings coverage of net charge-offs (x) | 25.5887% | 1,729 |
| Efficiency ratio | 66.2011% | 2,739 |
| Assets per employee ($millions) | 6.9055% | 1,081 |
| Cash dividends to net income (ytd only)* | 32.6157% | 2,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 3,671 |
| Loan loss allowance to noncurrent loans | 369.4825% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 3,272 |
| Noncurrent loans to loans | 0.2612% | 3,508 |
| Net loans and leases to total assets | 52.2054% | 4,212 |
| Net loans and leases to deposits | 65.9145% | 3,960 |
| Net loans and leases to core deposits | 76.1602% | 3,565 |
| Total domestic deposits to total assets | 79.2018% | 4,148 |
| Equity capital to assets | 8.2193% | 5,004 |
| Core capital (leverage) ratio | 8.1388% | 4,997 |
| Tier 1 risk-based capital ratio | 12.1516% | 4,272 |
| Total risk-based capital ratio | 12.9456% | 4,414 |
| Memoranda: | ||
| Average total assets | $2,507,700,000 | 355 |
| Average earning assets | $2,380,896,400 | 344 |
| Average equity | $204,585,000 | 469 |
| Average total loans | $1,351,004,400 | 443 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4322% | 3,261 |
| Cost of funding earning assets | 1.3852% | 598 |
| Net interest margin | 3.0471% | 4,563 |
| Noninterest income to average assets | 0.4215% | 3,196 |
| Noninterest expense to average assets | 2.2555% | 4,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0608% | 2,737 |
| Return on assets (ROA) | 1.0608% | 2,813 |
| Pretax return on assets | 1.0608% | 3,409 |
| Return on Equity (ROE) | 13.0281% | 1,270 |
| Retained earnings to average equity (ytd only) | 11.2078% | 490 |
| Net charge-offs to loans | 0.0535% | 2,070 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 36.6205% | 1,445 |
| Efficiency ratio | 68.0125% | 2,418 |
| Assets per employee ($millions) | 6.6538% | 1,188 |
| Cash dividends to net income (ytd only)* | 13.9722% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,714 |
| Loan loss allowance to noncurrent loans | 207.3837% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 2,998 |
| Noncurrent loans to loans | 0.4694% | 2,893 |
| Net loans and leases to total assets | 52.6157% | 4,278 |
| Net loans and leases to deposits | 70.0935% | 3,765 |
| Net loans and leases to core deposits | 81.7515% | 3,266 |
| Total domestic deposits to total assets | 75.0650% | 4,742 |
| Equity capital to assets | 8.3066% | 5,066 |
| Core capital (leverage) ratio | 8.2314% | 5,055 |
| Tier 1 risk-based capital ratio | 12.1641% | 4,333 |
| Total risk-based capital ratio | 12.9705% | 4,459 |
| Memoranda: | ||
| Average total assets | $2,485,504,500 | 359 |
| Average earning assets | $2,361,273,500 | 348 |
| Average equity | $202,378,000 | 473 |
| Average total loans | $1,346,577,000 | 446 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 3,320 |
| Cost of funding earning assets | 1.3773% | 578 |
| Net interest margin | 3.0262% | 4,640 |
| Noninterest income to average assets | 0.4043% | 3,253 |
| Noninterest expense to average assets | 2.2251% | 4,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0559% | 2,697 |
| Return on assets (ROA) | 1.0559% | 2,763 |
| Pretax return on assets | 1.0559% | 3,366 |
| Return on Equity (ROE) | 13.0594% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.0594% | 294 |
| Net charge-offs to loans | 0.0149% | 2,604 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 129.7600% | 566 |
| Efficiency ratio | 67.8183% | 2,568 |
| Assets per employee ($millions) | 6.5511% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,581 |
| Loan loss allowance to noncurrent loans | 176.9370% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 2,898 |
| Noncurrent loans to loans | 0.5691% | 2,555 |
| Net loans and leases to total assets | 53.3601% | 4,264 |
| Net loans and leases to deposits | 70.1763% | 3,827 |
| Net loans and leases to core deposits | 81.4881% | 3,299 |
| Total domestic deposits to total assets | 76.0373% | 4,659 |
| Equity capital to assets | 8.2372% | 5,131 |
| Core capital (leverage) ratio | 8.2201% | 5,101 |
| Tier 1 risk-based capital ratio | 12.0716% | 4,379 |
| Total risk-based capital ratio | 12.9137% | 4,499 |
| Memoranda: | ||
| Average total assets | $2,457,878,330 | 363 |
| Average earning assets | $2,336,377,670 | 351 |
| Average equity | $198,722,330 | 474 |
| Average total loans | $1,340,550,330 | 453 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2826% | 3,611 |
| Cost of funding earning assets | 1.3147% | 635 |
| Net interest margin | 2.9679% | 4,792 |
| Noninterest income to average assets | 0.3806% | 3,322 |
| Noninterest expense to average assets | 2.1697% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0320% | 2,737 |
| Return on assets (ROA) | 1.0320% | 2,774 |
| Pretax return on assets | 1.0320% | 3,338 |
| Return on Equity (ROE) | 12.8909% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.8909% | 476 |
| Net charge-offs to loans | 0.0190% | 2,088 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 99.2063% | 670 |
| Efficiency ratio | 67.7669% | 2,670 |
| Assets per employee ($millions) | 6.6828% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0437% | 3,437 |
| Loan loss allowance to noncurrent loans | 169.7964% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 2,886 |
| Noncurrent loans to loans | 0.6147% | 2,490 |
| Net loans and leases to total assets | 52.4879% | 4,310 |
| Net loans and leases to deposits | 67.0377% | 3,984 |
| Net loans and leases to core deposits | 76.8938% | 3,602 |
| Total domestic deposits to total assets | 78.2961% | 4,468 |
| Equity capital to assets | 7.9928% | 5,184 |
| Core capital (leverage) ratio | 8.3582% | 5,084 |
| Tier 1 risk-based capital ratio | 12.0255% | 4,443 |
| Total risk-based capital ratio | 12.8952% | 4,535 |
| Memoranda: | ||
| Average total assets | $2,422,455,000 | 369 |
| Average earning assets | $2,302,617,000 | 358 |
| Average equity | $193,935,000 | 481 |
| Average total loans | $1,329,298,000 | 453 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 3,137 |
| Cost of funding earning assets | 1.0300% | 667 |
| Net interest margin | 3.2636% | 4,351 |
| Noninterest income to average assets | 0.5008% | 2,833 |
| Noninterest expense to average assets | 2.2769% | 4,170 |
| Loan and lease loss provision to assets | 0.0223% | 3,723 |
| Net operating income to assets | 1.3046% | 1,777 |
| Return on assets (ROA) | 1.3046% | 1,763 |
| Pretax return on assets | 1.3046% | 2,482 |
| Return on Equity (ROE) | 17.4371% | 443 |
| Retained earnings to average equity (ytd only) | 5.1675% | 2,682 |
| Net charge-offs to loans | 0.0331% | 2,742 |
| Credit loss provision to net charge-offs | 116.2791% | 2,229 |
| Earnings coverage of net charge-offs (x) | 69.3256% | 939 |
| Efficiency ratio | 63.1807% | 3,309 |
| Assets per employee ($millions) | 6.2240% | 1,377 |
| Cash dividends to net income (ytd only)* | 70.3651% | 1,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 3,493 |
| Loan loss allowance to noncurrent loans | 150.8950% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 2,580 |
| Noncurrent loans to loans | 0.6837% | 2,280 |
| Net loans and leases to total assets | 56.2192% | 4,121 |
| Net loans and leases to deposits | 71.1305% | 3,739 |
| Net loans and leases to core deposits | 81.2437% | 3,333 |
| Total domestic deposits to total assets | 79.0368% | 4,305 |
| Equity capital to assets | 8.0193% | 5,158 |
| Core capital (leverage) ratio | 8.2726% | 5,136 |
| Tier 1 risk-based capital ratio | 11.9332% | 4,472 |
| Total risk-based capital ratio | 12.8229% | 4,585 |
| Memoranda: | ||
| Average total assets | $2,246,645,000 | 382 |
| Average earning assets | $2,135,995,800 | 369 |
| Average equity | $168,089,400 | 524 |
| Average total loans | $1,297,638,600 | 447 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 3,083 |
| Cost of funding earning assets | 0.9483% | 755 |
| Net interest margin | 3.3183% | 4,231 |
| Noninterest income to average assets | 0.4984% | 2,882 |
| Noninterest expense to average assets | 2.3071% | 4,077 |
| Loan and lease loss provision to assets | 0.0300% | 3,418 |
| Net operating income to assets | 1.3170% | 1,789 |
| Return on assets (ROA) | 1.3170% | 1,794 |
| Pretax return on assets | 1.3170% | 2,554 |
| Return on Equity (ROE) | 17.9457% | 433 |
| Retained earnings to average equity (ytd only) | 4.4637% | 3,516 |
| Net charge-offs to loans | 0.0377% | 2,323 |
| Credit loss provision to net charge-offs | 137.3626% | 1,830 |
| Earnings coverage of net charge-offs (x) | 61.5798% | 1,045 |
| Efficiency ratio | 63.1363% | 3,313 |
| Assets per employee ($millions) | 6.0610% | 1,446 |
| Cash dividends to net income (ytd only)* | 75.1266% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 3,482 |
| Loan loss allowance to noncurrent loans | 323.1217% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 3,433 |
| Noncurrent loans to loans | 0.3241% | 3,511 |
| Net loans and leases to total assets | 57.1471% | 4,120 |
| Net loans and leases to deposits | 73.7067% | 3,618 |
| Net loans and leases to core deposits | 83.8950% | 3,162 |
| Total domestic deposits to total assets | 77.5331% | 4,561 |
| Equity capital to assets | 7.1202% | 5,371 |
| Core capital (leverage) ratio | 7.5416% | 5,388 |
| Tier 1 risk-based capital ratio | 10.6686% | 5,186 |
| Total risk-based capital ratio | 11.5772% | 5,209 |
| Memoranda: | ||
| Average total assets | $2,218,582,500 | 382 |
| Average earning assets | $2,109,882,000 | 369 |
| Average equity | $162,820,000 | 533 |
| Average total loans | $1,287,054,000 | 447 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2434% | 2,967 |
| Cost of funding earning assets | 0.8642% | 859 |
| Net interest margin | 3.3792% | 4,020 |
| Noninterest income to average assets | 0.5005% | 2,866 |
| Noninterest expense to average assets | 2.2987% | 4,146 |
| Loan and lease loss provision to assets | 0.0456% | 2,992 |
| Net operating income to assets | 1.3716% | 1,534 |
| Return on assets (ROA) | 1.3716% | 1,536 |
| Pretax return on assets | 1.3716% | 2,254 |
| Return on Equity (ROE) | 18.4962% | 375 |
| Retained earnings to average equity (ytd only) | 5.1780% | 2,984 |
| Net charge-offs to loans | 0.0250% | 2,360 |
| Credit loss provision to net charge-offs | 314.4654% | 975 |
| Earnings coverage of net charge-offs (x) | 97.7044% | 704 |
| Efficiency ratio | 61.8614% | 3,641 |
| Assets per employee ($millions) | 5.8610% | 1,585 |
| Cash dividends to net income (ytd only)* | 72.0053% | 935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0824% | 3,368 |
| Loan loss allowance to noncurrent loans | 353.7265% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 3,568 |
| Noncurrent loans to loans | 0.3060% | 3,614 |
| Net loans and leases to total assets | 57.8399% | 4,006 |
| Net loans and leases to deposits | 78.7194% | 3,085 |
| Net loans and leases to core deposits | 83.1875% | 3,151 |
| Total domestic deposits to total assets | 73.4760% | 5,085 |
| Equity capital to assets | 7.3589% | 5,408 |
| Core capital (leverage) ratio | 7.6500% | 5,422 |
| Tier 1 risk-based capital ratio | 10.9274% | 5,094 |
| Total risk-based capital ratio | 11.8782% | 5,118 |
| Memoranda: | ||
| Average total assets | $2,192,408,330 | 387 |
| Average earning assets | $2,086,052,670 | 376 |
| Average equity | $162,573,670 | 531 |
| Average total loans | $1,273,865,330 | 452 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 2,900 |
| Cost of funding earning assets | 0.7884% | 1,001 |
| Net interest margin | 3.4057% | 3,869 |
| Noninterest income to average assets | 0.4817% | 2,923 |
| Noninterest expense to average assets | 2.2762% | 4,239 |
| Loan and lease loss provision to assets | 0.0552% | 2,663 |
| Net operating income to assets | 1.3909% | 1,368 |
| Return on assets (ROA) | 1.3909% | 1,376 |
| Pretax return on assets | 1.3909% | 2,042 |
| Return on Equity (ROE) | 18.6842% | 342 |
| Retained earnings to average equity (ytd only) | 5.4449% | 2,978 |
| Net charge-offs to loans | 0.0321% | 1,858 |
| Credit loss provision to net charge-offs | 297.0297% | 830 |
| Earnings coverage of net charge-offs (x) | 77.8515% | 716 |
| Efficiency ratio | 61.1512% | 3,924 |
| Assets per employee ($millions) | 5.9820% | 1,533 |
| Cash dividends to net income (ytd only)* | 70.8581% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 3,334 |
| Loan loss allowance to noncurrent loans | 341.4240% | 1,508 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 3,599 |
| Noncurrent loans to loans | 0.3242% | 3,602 |
| Net loans and leases to total assets | 57.2481% | 4,011 |
| Net loans and leases to deposits | 74.9528% | 3,322 |
| Net loans and leases to core deposits | 80.1917% | 3,308 |
| Total domestic deposits to total assets | 76.3788% | 4,933 |
| Equity capital to assets | 7.4419% | 5,434 |
| Core capital (leverage) ratio | 7.6742% | 5,475 |
| Tier 1 risk-based capital ratio | 10.9605% | 5,152 |
| Total risk-based capital ratio | 11.9163% | 5,192 |
| Memoranda: | ||
| Average total assets | $2,175,018,000 | 394 |
| Average earning assets | $2,069,611,000 | 379 |
| Average equity | $161,912,000 | 536 |
| Average total loans | $1,259,648,000 | 459 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 2,465 |
| Cost of funding earning assets | 0.6412% | 1,347 |
| Net interest margin | 3.6182% | 3,109 |
| Noninterest income to average assets | 0.4855% | 3,094 |
| Noninterest expense to average assets | 2.3118% | 4,294 |
| Loan and lease loss provision to assets | 0.1205% | 1,900 |
| Net operating income to assets | 1.5054% | 794 |
| Return on assets (ROA) | 1.5054% | 809 |
| Pretax return on assets | 1.5054% | 1,623 |
| Return on Equity (ROE) | 20.6456% | 171 |
| Retained earnings to average equity (ytd only) | 5.9659% | 1,558 |
| Net charge-offs to loans | 0.0253% | 3,299 |
| Credit loss provision to net charge-offs | 855.7047% | 410 |
| Earnings coverage of net charge-offs (x) | 115.4530% | 585 |
| Efficiency ratio | 58.7089% | 4,444 |
| Assets per employee ($millions) | 5.9522% | 1,548 |
| Cash dividends to net income (ytd only)* | 71.1034% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,395 |
| Loan loss allowance to noncurrent loans | 441.2897% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 3,770 |
| Noncurrent loans to loans | 0.2476% | 3,906 |
| Net loans and leases to total assets | 57.3068% | 4,078 |
| Net loans and leases to deposits | 75.4410% | 3,387 |
| Net loans and leases to core deposits | 83.2404% | 3,134 |
| Total domestic deposits to total assets | 75.9623% | 4,981 |
| Equity capital to assets | 7.4464% | 5,546 |
| Core capital (leverage) ratio | 7.5601% | 5,549 |
| Tier 1 risk-based capital ratio | 10.9430% | 5,183 |
| Total risk-based capital ratio | 11.8968% | 5,209 |
| Memoranda: | ||
| Average total assets | $2,116,024,800 | 392 |
| Average earning assets | $2,018,934,600 | 373 |
| Average equity | $154,294,600 | 535 |
| Average total loans | $1,177,165,200 | 463 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2407% | 2,471 |
| Cost of funding earning assets | 0.6103% | 1,458 |
| Net interest margin | 3.6304% | 3,039 |
| Noninterest income to average assets | 0.4891% | 3,089 |
| Noninterest expense to average assets | 2.3111% | 4,274 |
| Loan and lease loss provision to assets | 0.1237% | 1,750 |
| Net operating income to assets | 1.5199% | 860 |
| Return on assets (ROA) | 1.5199% | 883 |
| Pretax return on assets | 1.5199% | 1,708 |
| Return on Equity (ROE) | 20.9595% | 176 |
| Retained earnings to average equity (ytd only) | 6.2718% | 2,073 |
| Net charge-offs to loans | 0.0190% | 3,111 |
| Credit loss provision to net charge-offs | 1,181.8182% | 310 |
| Earnings coverage of net charge-offs (x) | 157.0396% | 523 |
| Efficiency ratio | 58.4393% | 4,446 |
| Assets per employee ($millions) | 6.1426% | 1,406 |
| Cash dividends to net income (ytd only)* | 70.0764% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,556 |
| Loan loss allowance to noncurrent loans | 499.3611% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 4,006 |
| Noncurrent loans to loans | 0.2181% | 4,190 |
| Net loans and leases to total assets | 55.8241% | 4,246 |
| Net loans and leases to deposits | 73.4713% | 3,624 |
| Net loans and leases to core deposits | 84.0814% | 3,118 |
| Total domestic deposits to total assets | 75.9809% | 5,018 |
| Equity capital to assets | 7.2634% | 5,638 |
| Core capital (leverage) ratio | 7.3618% | 5,633 |
| Tier 1 risk-based capital ratio | 10.7754% | 5,352 |
| Total risk-based capital ratio | 11.7116% | 5,398 |
| Memoranda: | ||
| Average total assets | $2,101,888,500 | 393 |
| Average earning assets | $2,006,475,750 | 376 |
| Average equity | $152,423,500 | 544 |
| Average total loans | $1,156,760,250 | 475 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 2,474 |
| Cost of funding earning assets | 0.5543% | 1,752 |
| Net interest margin | 3.6456% | 2,855 |
| Noninterest income to average assets | 0.4776% | 3,163 |
| Noninterest expense to average assets | 2.2992% | 4,353 |
| Loan and lease loss provision to assets | 0.1297% | 1,604 |
| Net operating income to assets | 1.5305% | 809 |
| Return on assets (ROA) | 1.5305% | 831 |
| Pretax return on assets | 1.5305% | 1,541 |
| Return on Equity (ROE) | 21.1173% | 174 |
| Retained earnings to average equity (ytd only) | 6.2818% | 1,973 |
| Net charge-offs to loans | 0.0197% | 2,846 |
| Credit loss provision to net charge-offs | 1,205.3571% | 332 |
| Earnings coverage of net charge-offs (x) | 154.2946% | 491 |
| Efficiency ratio | 58.0691% | 4,582 |
| Assets per employee ($millions) | 6.2390% | 1,294 |
| Cash dividends to net income (ytd only)* | 70.2530% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0684% | 3,743 |
| Loan loss allowance to noncurrent loans | 352.9363% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3098% | 3,885 |
| Noncurrent loans to loans | 0.3027% | 3,953 |
| Net loans and leases to total assets | 54.8110% | 4,331 |
| Net loans and leases to deposits | 74.1499% | 3,530 |
| Net loans and leases to core deposits | 83.4602% | 3,124 |
| Total domestic deposits to total assets | 73.9191% | 5,297 |
| Equity capital to assets | 7.1948% | 5,694 |
| Core capital (leverage) ratio | 7.3602% | 5,672 |
| Tier 1 risk-based capital ratio | 10.8600% | 5,322 |
| Total risk-based capital ratio | 11.7802% | 5,373 |
| Memoranda: | ||
| Average total assets | $2,081,783,000 | 397 |
| Average earning assets | $1,988,253,000 | 383 |
| Average equity | $150,881,330 | 547 |
| Average total loans | $1,135,573,670 | 481 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1563% | 2,447 |
| Cost of funding earning assets | 0.4892% | 2,171 |
| Net interest margin | 3.6671% | 2,620 |
| Noninterest income to average assets | 0.4728% | 3,171 |
| Noninterest expense to average assets | 2.3258% | 4,340 |
| Loan and lease loss provision to assets | 0.1368% | 1,393 |
| Net operating income to assets | 1.5123% | 788 |
| Return on assets (ROA) | 1.5123% | 817 |
| Pretax return on assets | 1.5123% | 1,496 |
| Return on Equity (ROE) | 20.7858% | 197 |
| Retained earnings to average equity (ytd only) | 5.7438% | 2,475 |
| Net charge-offs to loans | 0.0365% | 2,056 |
| Credit loss provision to net charge-offs | 693.0693% | 464 |
| Earnings coverage of net charge-offs (x) | 83.5347% | 633 |
| Efficiency ratio | 58.5120% | 4,657 |
| Assets per employee ($millions) | 6.0416% | 1,478 |
| Cash dividends to net income (ytd only)* | 72.3666% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,858 |
| Loan loss allowance to noncurrent loans | 428.8448% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 3,991 |
| Noncurrent loans to loans | 0.2506% | 4,214 |
| Net loans and leases to total assets | 53.2925% | 4,393 |
| Net loans and leases to deposits | 70.0503% | 3,792 |
| Net loans and leases to core deposits | 76.2356% | 3,632 |
| Total domestic deposits to total assets | 76.0775% | 5,221 |
| Equity capital to assets | 7.1948% | 5,732 |
| Core capital (leverage) ratio | 7.5446% | 5,698 |
| Tier 1 risk-based capital ratio | 11.1281% | 5,243 |
| Total risk-based capital ratio | 12.0408% | 5,336 |
| Memoranda: | ||
| Average total assets | $2,046,447,000 | 402 |
| Average earning assets | $1,954,353,000 | 386 |
| Average equity | $148,890,000 | 549 |
| Average total loans | $1,107,099,000 | 485 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2350% | 2,369 |
| Cost of funding earning assets | 0.5186% | 1,948 |
| Net interest margin | 3.7164% | 2,621 |
| Noninterest income to average assets | 0.4358% | 3,647 |
| Noninterest expense to average assets | 2.4038% | 4,293 |
| Loan and lease loss provision to assets | 0.1307% | 1,907 |
| Net operating income to assets | 1.4684% | 886 |
| Return on assets (ROA) | 1.5623% | 766 |
| Pretax return on assets | 1.5623% | 1,392 |
| Return on Equity (ROE) | 21.0850% | 176 |
| Retained earnings to average equity (ytd only) | 2.3536% | 4,184 |
| Net charge-offs to loans | 0.0944% | 2,357 |
| Credit loss provision to net charge-offs | 253.2928% | 1,140 |
| Earnings coverage of net charge-offs (x) | 30.9929% | 1,404 |
| Efficiency ratio | 60.0512% | 4,576 |
| Assets per employee ($millions) | 5.8382% | 1,591 |
| Cash dividends to net income (ytd only)* | 88.8376% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,966 |
| Loan loss allowance to noncurrent loans | 456.6495% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 4,071 |
| Noncurrent loans to loans | 0.2315% | 4,322 |
| Net loans and leases to total assets | 53.7613% | 4,457 |
| Net loans and leases to deposits | 70.8065% | 3,826 |
| Net loans and leases to core deposits | 77.2147% | 3,634 |
| Total domestic deposits to total assets | 75.9270% | 5,246 |
| Equity capital to assets | 7.3598% | 5,745 |
| Core capital (leverage) ratio | 7.8939% | 5,663 |
| Tier 1 risk-based capital ratio | 11.4450% | 5,088 |
| Total risk-based capital ratio | 12.3518% | 5,173 |
| Memoranda: | ||
| Average total assets | $1,912,953,000 | 407 |
| Average earning assets | $1,836,079,800 | 393 |
| Average equity | $141,740,800 | 558 |
| Average total loans | $1,045,100,200 | 489 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,227 |
| Cost of funding earning assets | 0.5359% | 1,827 |
| Net interest margin | 3.7435% | 2,539 |
| Noninterest income to average assets | 0.4404% | 3,627 |
| Noninterest expense to average assets | 2.3046% | 4,520 |
| Loan and lease loss provision to assets | 0.1340% | 1,753 |
| Net operating income to assets | 1.5994% | 732 |
| Return on assets (ROA) | 1.5994% | 770 |
| Pretax return on assets | 1.5994% | 1,379 |
| Return on Equity (ROE) | 21.5476% | 172 |
| Retained earnings to average equity (ytd only) | 2.7525% | 4,244 |
| Net charge-offs to loans | 0.1163% | 1,787 |
| Credit loss provision to net charge-offs | 210.6430% | 1,390 |
| Earnings coverage of net charge-offs (x) | 27.2494% | 1,571 |
| Efficiency ratio | 57.0725% | 4,946 |
| Assets per employee ($millions) | 5.7235% | 1,639 |
| Cash dividends to net income (ytd only)* | 87.2261% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 4,230 |
| Loan loss allowance to noncurrent loans | 494.9550% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 4,140 |
| Noncurrent loans to loans | 0.2085% | 4,522 |
| Net loans and leases to total assets | 54.4700% | 4,448 |
| Net loans and leases to deposits | 75.4240% | 3,459 |
| Net loans and leases to core deposits | 81.8159% | 3,297 |
| Total domestic deposits to total assets | 72.2184% | 5,587 |
| Equity capital to assets | 7.4250% | 5,849 |
| Core capital (leverage) ratio | 7.5018% | 5,830 |
| Tier 1 risk-based capital ratio | 11.2415% | 5,233 |
| Total risk-based capital ratio | 12.1493% | 5,337 |
| Memoranda: | ||
| Average total assets | $1,890,562,250 | 409 |
| Average earning assets | $1,816,849,250 | 393 |
| Average equity | $140,330,500 | 567 |
| Average total loans | $1,034,355,000 | 493 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 2,209 |
| Cost of funding earning assets | 0.5362% | 1,813 |
| Net interest margin | 3.7468% | 2,527 |
| Noninterest income to average assets | 0.4033% | 3,852 |
| Noninterest expense to average assets | 2.2476% | 4,736 |
| Loan and lease loss provision to assets | 0.1279% | 1,782 |
| Net operating income to assets | 1.6308% | 671 |
| Return on assets (ROA) | 1.6308% | 718 |
| Pretax return on assets | 1.6308% | 1,277 |
| Return on Equity (ROE) | 21.9726% | 156 |
| Retained earnings to average equity (ytd only) | 3.8096% | 3,460 |
| Net charge-offs to loans | 0.1627% | 1,360 |
| Credit loss provision to net charge-offs | 144.0576% | 1,642 |
| Earnings coverage of net charge-offs (x) | 19.8031% | 1,755 |
| Efficiency ratio | 56.1008% | 5,138 |
| Assets per employee ($millions) | 5.9204% | 1,456 |
| Cash dividends to net income (ytd only)* | 82.6621% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 4,571 |
| Loan loss allowance to noncurrent loans | 382.0361% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 4,213 |
| Noncurrent loans to loans | 0.2601% | 4,426 |
| Net loans and leases to total assets | 53.6300% | 4,545 |
| Net loans and leases to deposits | 73.2844% | 3,673 |
| Net loans and leases to core deposits | 78.6516% | 3,587 |
| Total domestic deposits to total assets | 73.1807% | 5,592 |
| Equity capital to assets | 7.4660% | 5,918 |
| Core capital (leverage) ratio | 7.5667% | 5,867 |
| Tier 1 risk-based capital ratio | 11.5009% | 5,155 |
| Total risk-based capital ratio | 12.3804% | 5,264 |
| Memoranda: | ||
| Average total assets | $1,875,904,000 | 413 |
| Average earning assets | $1,803,870,000 | 398 |
| Average equity | $139,227,670 | 574 |
| Average total loans | $1,024,229,670 | 495 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2842% | 2,188 |
| Cost of funding earning assets | 0.5324% | 1,854 |
| Net interest margin | 3.7518% | 2,474 |
| Noninterest income to average assets | 0.3661% | 4,105 |
| Noninterest expense to average assets | 2.2359% | 4,819 |
| Loan and lease loss provision to assets | 0.1296% | 1,632 |
| Net operating income to assets | 1.6099% | 687 |
| Return on assets (ROA) | 1.6099% | 731 |
| Pretax return on assets | 1.6099% | 1,268 |
| Return on Equity (ROE) | 21.7584% | 166 |
| Retained earnings to average equity (ytd only) | 5.1294% | 2,854 |
| Net charge-offs to loans | 0.1320% | 1,312 |
| Credit loss provision to net charge-offs | 179.1045% | 1,157 |
| Earnings coverage of net charge-offs (x) | 24.0388% | 1,343 |
| Efficiency ratio | 56.2432% | 5,172 |
| Assets per employee ($millions) | 6.3421% | 1,194 |
| Cash dividends to net income (ytd only)* | 76.4256% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0044% | 4,580 |
| Loan loss allowance to noncurrent loans | 375.7787% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 4,211 |
| Noncurrent loans to loans | 0.2673% | 4,479 |
| Net loans and leases to total assets | 53.4800% | 4,494 |
| Net loans and leases to deposits | 70.3173% | 3,829 |
| Net loans and leases to core deposits | 76.5655% | 3,629 |
| Total domestic deposits to total assets | 76.0553% | 5,408 |
| Equity capital to assets | 7.3066% | 5,980 |
| Core capital (leverage) ratio | 7.5921% | 5,906 |
| Tier 1 risk-based capital ratio | 11.4760% | 5,247 |
| Total risk-based capital ratio | 12.3680% | 5,349 |
| Memoranda: | ||
| Average total assets | $1,851,788,500 | 414 |
| Average earning assets | $1,781,428,000 | 401 |
| Average equity | $137,013,500 | 578 |
| Average total loans | $1,015,209,000 | 498 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 1,789 |
| Cost of funding earning assets | 0.5490% | 1,768 |
| Net interest margin | 3.8861% | 2,077 |
| Noninterest income to average assets | 0.4635% | 3,574 |
| Noninterest expense to average assets | 2.2540% | 4,911 |
| Loan and lease loss provision to assets | 0.1124% | 2,121 |
| Net operating income to assets | 1.8643% | 433 |
| Return on assets (ROA) | 1.8643% | 442 |
| Pretax return on assets | 1.8334% | 752 |
| Return on Equity (ROE) | 24.5338% | 112 |
| Retained earnings to average equity (ytd only) | 9.1449% | 623 |
| Net charge-offs to loans | 0.1325% | 2,037 |
| Credit loss provision to net charge-offs | 147.5216% | 1,801 |
| Earnings coverage of net charge-offs (x) | 25.5287% | 1,627 |
| Efficiency ratio | 53.6690% | 5,539 |
| Assets per employee ($millions) | 6.3414% | 1,173 |
| Cash dividends to net income (ytd only)* | 62.7252% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 4,674 |
| Loan loss allowance to noncurrent loans | 149.5733% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3755% | 4,092 |
| Noncurrent loans to loans | 0.6617% | 3,204 |
| Net loans and leases to total assets | 55.1065% | 4,376 |
| Net loans and leases to deposits | 71.8043% | 3,739 |
| Net loans and leases to core deposits | 78.5836% | 3,485 |
| Total domestic deposits to total assets | 76.7455% | 5,363 |
| Equity capital to assets | 7.4953% | 5,986 |
| Core capital (leverage) ratio | 7.8275% | 5,899 |
| Tier 1 risk-based capital ratio | 11.5348% | 5,229 |
| Total risk-based capital ratio | 12.4206% | 5,334 |
| Memoranda: | ||
| Average total assets | $1,667,506,400 | 437 |
| Average earning assets | $1,603,268,800 | 414 |
| Average equity | $126,715,000 | 599 |
| Average total loans | $959,432,600 | 499 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 1,764 |
| Cost of funding earning assets | 0.5595% | 1,720 |
| Net interest margin | 3.8883% | 2,077 |
| Noninterest income to average assets | 0.4616% | 3,619 |
| Noninterest expense to average assets | 2.2577% | 4,889 |
| Loan and lease loss provision to assets | 0.1124% | 2,006 |
| Net operating income to assets | 1.8708% | 449 |
| Return on assets (ROA) | 1.8708% | 468 |
| Pretax return on assets | 1.8286% | 842 |
| Return on Equity (ROE) | 24.5259% | 120 |
| Retained earnings to average equity (ytd only) | 8.6615% | 1,018 |
| Net charge-offs to loans | 0.0873% | 2,297 |
| Credit loss provision to net charge-offs | 221.7742% | 1,235 |
| Earnings coverage of net charge-offs (x) | 38.2966% | 1,286 |
| Efficiency ratio | 53.7713% | 5,537 |
| Assets per employee ($millions) | 6.1847% | 1,250 |
| Cash dividends to net income (ytd only)* | 64.6843% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 4,618 |
| Loan loss allowance to noncurrent loans | 141.4168% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 4,072 |
| Noncurrent loans to loans | 0.7247% | 3,161 |
| Net loans and leases to total assets | 56.5587% | 4,292 |
| Net loans and leases to deposits | 74.1750% | 3,530 |
| Net loans and leases to core deposits | 81.6826% | 3,286 |
| Total domestic deposits to total assets | 76.2503% | 5,452 |
| Equity capital to assets | 7.4455% | 6,078 |
| Core capital (leverage) ratio | 7.7655% | 5,993 |
| Tier 1 risk-based capital ratio | 11.3060% | 5,484 |
| Total risk-based capital ratio | 12.2304% | 5,571 |
| Memoranda: | ||
| Average total assets | $1,630,974,500 | 448 |
| Average earning assets | $1,567,583,250 | 423 |
| Average equity | $124,409,500 | 612 |
| Average total loans | $946,935,500 | 506 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4541% | 1,682 |
| Cost of funding earning assets | 0.5668% | 1,669 |
| Net interest margin | 3.8873% | 2,030 |
| Noninterest income to average assets | 0.4679% | 3,573 |
| Noninterest expense to average assets | 2.2927% | 4,862 |
| Loan and lease loss provision to assets | 0.1315% | 1,673 |
| Net operating income to assets | 1.8400% | 470 |
| Return on assets (ROA) | 1.8400% | 494 |
| Pretax return on assets | 1.7784% | 928 |
| Return on Equity (ROE) | 23.9152% | 137 |
| Retained earnings to average equity (ytd only) | 6.8901% | 1,744 |
| Net charge-offs to loans | 0.0710% | 2,374 |
| Credit loss provision to net charge-offs | 317.2205% | 895 |
| Earnings coverage of net charge-offs (x) | 46.0846% | 1,018 |
| Efficiency ratio | 54.5552% | 5,537 |
| Assets per employee ($millions) | 5.9570% | 1,390 |
| Cash dividends to net income (ytd only)* | 71.1894% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 4,538 |
| Loan loss allowance to noncurrent loans | 450.3119% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 5,303 |
| Noncurrent loans to loans | 0.2354% | 4,826 |
| Net loans and leases to total assets | 57.3762% | 4,176 |
| Net loans and leases to deposits | 72.9474% | 3,622 |
| Net loans and leases to core deposits | 79.4207% | 3,451 |
| Total domestic deposits to total assets | 78.6542% | 5,166 |
| Equity capital to assets | 7.5624% | 6,107 |
| Core capital (leverage) ratio | 7.8988% | 5,977 |
| Tier 1 risk-based capital ratio | 11.4194% | 5,517 |
| Total risk-based capital ratio | 12.3783% | 5,576 |
| Memoranda: | ||
| Average total assets | $1,597,396,000 | 454 |
| Average earning assets | $1,534,689,330 | 427 |
| Average equity | $122,901,000 | 622 |
| Average total loans | $932,723,000 | 507 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,540 |
| Cost of funding earning assets | 0.5717% | 1,646 |
| Net interest margin | 3.9022% | 1,890 |
| Noninterest income to average assets | 0.4910% | 3,342 |
| Noninterest expense to average assets | 2.2772% | 4,938 |
| Loan and lease loss provision to assets | 0.2033% | 900 |
| Net operating income to assets | 1.8823% | 417 |
| Return on assets (ROA) | 1.8823% | 442 |
| Pretax return on assets | 1.7573% | 942 |
| Return on Equity (ROE) | 24.2488% | 122 |
| Retained earnings to average equity (ytd only) | 7.1303% | 1,957 |
| Net charge-offs to loans | 0.1089% | 1,654 |
| Credit loss provision to net charge-offs | 318.7251% | 779 |
| Earnings coverage of net charge-offs (x) | 30.7371% | 1,138 |
| Efficiency ratio | 53.7359% | 5,696 |
| Assets per employee ($millions) | 5.8451% | 1,514 |
| Cash dividends to net income (ytd only)* | 70.5954% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0852% | 4,590 |
| Loan loss allowance to noncurrent loans | 405.8415% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 5,294 |
| Noncurrent loans to loans | 0.2674% | 4,819 |
| Net loans and leases to total assets | 57.3796% | 4,038 |
| Net loans and leases to deposits | 69.7260% | 3,781 |
| Net loans and leases to core deposits | 75.2405% | 3,666 |
| Total domestic deposits to total assets | 82.2929% | 4,417 |
| Equity capital to assets | 7.8310% | 6,096 |
| Core capital (leverage) ratio | 7.9437% | 5,972 |
| Tier 1 risk-based capital ratio | 11.8428% | 5,339 |
| Total risk-based capital ratio | 12.8374% | 5,421 |
| Memoranda: | ||
| Average total assets | $1,574,025,000 | 457 |
| Average earning assets | $1,511,344,500 | 434 |
| Average equity | $122,183,500 | 624 |
| Average total loans | $922,360,000 | 508 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 1,325 |
| Cost of funding earning assets | 0.6043% | 1,726 |
| Net interest margin | 4.0895% | 1,611 |
| Noninterest income to average assets | 0.4823% | 3,633 |
| Noninterest expense to average assets | 2.3336% | 5,015 |
| Loan and lease loss provision to assets | 0.0659% | 3,181 |
| Net operating income to assets | 1.5357% | 819 |
| Return on assets (ROA) | 1.5357% | 849 |
| Pretax return on assets | 1.9979% | 516 |
| Return on Equity (ROE) | 19.8390% | 262 |
| Retained earnings to average equity (ytd only) | 9.0260% | 700 |
| Net charge-offs to loans | 0.0991% | 3,092 |
| Credit loss provision to net charge-offs | 112.2931% | 2,114 |
| Earnings coverage of net charge-offs (x) | 35.1797% | 1,197 |
| Efficiency ratio | 53.0679% | 5,910 |
| Assets per employee ($millions) | 5.7504% | 1,559 |
| Cash dividends to net income (ytd only)* | 54.5040% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 4,991 |
| Loan loss allowance to noncurrent loans | 305.2358% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 5,225 |
| Noncurrent loans to loans | 0.3309% | 4,657 |
| Net loans and leases to total assets | 58.5938% | 3,982 |
| Net loans and leases to deposits | 72.8342% | 3,577 |
| Net loans and leases to core deposits | 78.8419% | 3,429 |
| Total domestic deposits to total assets | 80.4482% | 4,893 |
| Equity capital to assets | 7.6936% | 6,182 |
| Core capital (leverage) ratio | 8.0342% | 5,982 |
| Tier 1 risk-based capital ratio | 12.1227% | 5,285 |
| Total risk-based capital ratio | 13.1070% | 5,364 |
| Memoranda: | ||
| Average total assets | $1,442,125,000 | 488 |
| Average earning assets | $1,380,586,400 | 459 |
| Average equity | $111,633,600 | 654 |
| Average total loans | $853,962,000 | 520 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7368% | 1,218 |
| Cost of funding earning assets | 0.6106% | 1,753 |
| Net interest margin | 4.1262% | 1,501 |
| Noninterest income to average assets | 0.4830% | 3,662 |
| Noninterest expense to average assets | 2.3968% | 4,838 |
| Loan and lease loss provision to assets | 0.0284% | 3,840 |
| Net operating income to assets | 1.5414% | 861 |
| Return on assets (ROA) | 1.5414% | 893 |
| Pretax return on assets | 2.0045% | 559 |
| Return on Equity (ROE) | 19.8787% | 290 |
| Retained earnings to average equity (ytd only) | 8.7231% | 1,085 |
| Net charge-offs to loans | 0.0268% | 3,965 |
| Credit loss provision to net charge-offs | 178.5714% | 1,394 |
| Earnings coverage of net charge-offs (x) | 127.9846% | 468 |
| Efficiency ratio | 54.1077% | 5,813 |
| Assets per employee ($millions) | 5.5429% | 1,688 |
| Cash dividends to net income (ytd only)* | 56.1185% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 4,905 |
| Loan loss allowance to noncurrent loans | 475.4545% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 5,616 |
| Noncurrent loans to loans | 0.2243% | 5,225 |
| Net loans and leases to total assets | 58.7890% | 3,964 |
| Net loans and leases to deposits | 71.9276% | 3,690 |
| Net loans and leases to core deposits | 79.9183% | 3,319 |
| Total domestic deposits to total assets | 81.7337% | 4,572 |
| Equity capital to assets | 7.6485% | 6,274 |
| Core capital (leverage) ratio | 7.9577% | 6,097 |
| Tier 1 risk-based capital ratio | 11.9108% | 5,548 |
| Total risk-based capital ratio | 12.9388% | 5,597 |
| Memoranda: | ||
| Average total assets | $1,410,189,250 | 494 |
| Average earning assets | $1,348,812,000 | 468 |
| Average equity | $109,347,250 | 670 |
| Average total loans | $835,144,750 | 524 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7651% | 1,141 |
| Cost of funding earning assets | 0.6230% | 1,707 |
| Net interest margin | 4.1421% | 1,400 |
| Noninterest income to average assets | 0.5122% | 3,390 |
| Noninterest expense to average assets | 2.4465% | 4,748 |
| Loan and lease loss provision to assets | 0.0289% | 3,698 |
| Net operating income to assets | 1.5385% | 816 |
| Return on assets (ROA) | 1.5385% | 851 |
| Pretax return on assets | 1.9970% | 559 |
| Return on Equity (ROE) | 19.7454% | 302 |
| Retained earnings to average equity (ytd only) | 8.4430% | 1,156 |
| Net charge-offs to loans | 0.0144% | 3,949 |
| Credit loss provision to net charge-offs | 338.9831% | 780 |
| Earnings coverage of net charge-offs (x) | 237.7966% | 286 |
| Efficiency ratio | 54.7025% | 5,855 |
| Assets per employee ($millions) | 5.1771% | 1,994 |
| Cash dividends to net income (ytd only)* | 57.2407% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2008% | 4,423 |
| Loan loss allowance to noncurrent loans | 416.7572% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 5,613 |
| Noncurrent loans to loans | 0.2881% | 5,157 |
| Net loans and leases to total assets | 58.7018% | 3,897 |
| Net loans and leases to deposits | 75.5508% | 3,116 |
| Net loans and leases to core deposits | 81.7058% | 3,006 |
| Total domestic deposits to total assets | 77.6985% | 5,689 |
| Equity capital to assets | 7.9239% | 6,191 |
| Core capital (leverage) ratio | 8.1013% | 6,020 |
| Tier 1 risk-based capital ratio | 12.2041% | 5,413 |
| Total risk-based capital ratio | 13.2827% | 5,455 |
| Memoranda: | ||
| Average total assets | $1,385,086,330 | 502 |
| Average earning assets | $1,324,265,670 | 472 |
| Average equity | $107,923,670 | 673 |
| Average total loans | $819,285,000 | 530 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7770% | 1,091 |
| Cost of funding earning assets | 0.6338% | 1,702 |
| Net interest margin | 4.1432% | 1,358 |
| Noninterest income to average assets | 0.5585% | 2,995 |
| Noninterest expense to average assets | 2.4460% | 4,794 |
| Loan and lease loss provision to assets | 0.0435% | 3,228 |
| Net operating income to assets | 1.5403% | 747 |
| Return on assets (ROA) | 1.5403% | 780 |
| Pretax return on assets | 2.0274% | 505 |
| Return on Equity (ROE) | 19.9390% | 291 |
| Retained earnings to average equity (ytd only) | 8.4841% | 1,422 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1525% | 5,999 |
| Assets per employee ($millions) | 5.1552% | 2,057 |
| Cash dividends to net income (ytd only)* | 57.4496% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2350% | 4,455 |
| Loan loss allowance to noncurrent loans | 524.2647% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,832 |
| Noncurrent loans to loans | 0.2356% | 5,395 |
| Net loans and leases to total assets | 57.9976% | 3,837 |
| Net loans and leases to deposits | 71.1198% | 3,457 |
| Net loans and leases to core deposits | 76.8506% | 3,323 |
| Total domestic deposits to total assets | 81.5492% | 5,074 |
| Equity capital to assets | 7.8394% | 6,153 |
| Core capital (leverage) ratio | 7.9926% | 6,126 |
| Tier 1 risk-based capital ratio | 12.1561% | 5,538 |
| Total risk-based capital ratio | 13.2539% | 5,575 |
| Memoranda: | ||
| Average total assets | $1,378,725,500 | 502 |
| Average earning assets | $1,317,233,000 | 471 |
| Average equity | $106,505,000 | 683 |
| Average total loans | $813,671,500 | 530 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 1,284 |
| Cost of funding earning assets | 0.7228% | 1,661 |
| Net interest margin | 4.0899% | 1,675 |
| Noninterest income to average assets | 0.5768% | 3,231 |
| Noninterest expense to average assets | 2.4173% | 5,027 |
| Loan and lease loss provision to assets | 0.0863% | 3,385 |
| Net operating income to assets | 1.5148% | 795 |
| Return on assets (ROA) | 1.5148% | 831 |
| Pretax return on assets | 1.9817% | 503 |
| Return on Equity (ROE) | 18.9489% | 340 |
| Retained earnings to average equity (ytd only) | 8.7044% | 845 |
| Net charge-offs to loans | 0.1157% | 3,653 |
| Credit loss provision to net charge-offs | 123.8987% | 1,920 |
| Earnings coverage of net charge-offs (x) | 29.6916% | 1,197 |
| Efficiency ratio | 53.8940% | 6,146 |
| Assets per employee ($millions) | 5.1531% | 2,007 |
| Cash dividends to net income (ytd only)* | 54.0635% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 4,658 |
| Loan loss allowance to noncurrent loans | 728.8362% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 6,027 |
| Noncurrent loans to loans | 0.1647% | 5,705 |
| Net loans and leases to total assets | 58.5967% | 3,940 |
| Net loans and leases to deposits | 74.1839% | 3,233 |
| Net loans and leases to core deposits | 82.3833% | 2,851 |
| Total domestic deposits to total assets | 78.9883% | 5,653 |
| Equity capital to assets | 7.6107% | 6,227 |
| Core capital (leverage) ratio | 8.0017% | 6,133 |
| Tier 1 risk-based capital ratio | 11.8005% | 5,743 |
| Total risk-based capital ratio | 12.8718% | 5,782 |
| Memoranda: | ||
| Average total assets | $1,303,698,000 | 508 |
| Average earning assets | $1,245,862,400 | 484 |
| Average equity | $104,222,600 | 682 |
| Average total loans | $785,126,000 | 534 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8152% | 1,313 |
| Cost of funding earning assets | 0.7435% | 1,643 |
| Net interest margin | 4.0717% | 1,721 |
| Noninterest income to average assets | 0.6000% | 3,147 |
| Noninterest expense to average assets | 2.4109% | 4,997 |
| Loan and lease loss provision to assets | 0.1038% | 3,032 |
| Net operating income to assets | 1.5053% | 889 |
| Return on assets (ROA) | 1.5053% | 931 |
| Pretax return on assets | 1.9767% | 602 |
| Return on Equity (ROE) | 18.5902% | 400 |
| Retained earnings to average equity (ytd only) | 8.3240% | 1,281 |
| Net charge-offs to loans | 0.1245% | 3,292 |
| Credit loss provision to net charge-offs | 137.9310% | 1,697 |
| Earnings coverage of net charge-offs (x) | 27.6442% | 1,303 |
| Efficiency ratio | 53.6773% | 6,131 |
| Assets per employee ($millions) | 5.0438% | 2,110 |
| Cash dividends to net income (ytd only)* | 55.2238% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 4,682 |
| Loan loss allowance to noncurrent loans | 486.4732% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.1515% | 5,989 |
| Noncurrent loans to loans | 0.2555% | 5,588 |
| Net loans and leases to total assets | 58.5612% | 3,913 |
| Net loans and leases to deposits | 74.3277% | 3,188 |
| Net loans and leases to core deposits | 91.5594% | 1,811 |
| Total domestic deposits to total assets | 78.7878% | 5,788 |
| Equity capital to assets | 7.6678% | 6,319 |
| Core capital (leverage) ratio | 8.0528% | 6,189 |
| Tier 1 risk-based capital ratio | 11.8812% | 5,851 |
| Total risk-based capital ratio | 12.9923% | 5,884 |
| Memoranda: | ||
| Average total assets | $1,284,366,500 | 513 |
| Average earning assets | $1,227,498,250 | 494 |
| Average equity | $104,001,750 | 690 |
| Average total loans | $776,641,000 | 536 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8127% | 1,302 |
| Cost of funding earning assets | 0.7672% | 1,605 |
| Net interest margin | 4.0455% | 1,710 |
| Noninterest income to average assets | 0.5653% | 3,412 |
| Noninterest expense to average assets | 2.3638% | 5,165 |
| Loan and lease loss provision to assets | 0.0790% | 3,477 |
| Net operating income to assets | 1.5086% | 885 |
| Return on assets (ROA) | 1.5086% | 952 |
| Pretax return on assets | 1.9915% | 617 |
| Return on Equity (ROE) | 18.2875% | 442 |
| Retained earnings to average equity (ytd only) | 8.0573% | 1,461 |
| Net charge-offs to loans | 0.1521% | 2,883 |
| Credit loss provision to net charge-offs | 85.3242% | 2,535 |
| Earnings coverage of net charge-offs (x) | 22.3532% | 1,374 |
| Efficiency ratio | 53.3062% | 6,200 |
| Assets per employee ($millions) | 5.0595% | 2,044 |
| Cash dividends to net income (ytd only)* | 55.9409% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 4,796 |
| Loan loss allowance to noncurrent loans | 461.2294% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 6,001 |
| Noncurrent loans to loans | 0.2682% | 5,639 |
| Net loans and leases to total assets | 58.5090% | 3,903 |
| Net loans and leases to deposits | 73.2216% | 3,257 |
| Net loans and leases to core deposits | 83.8188% | 2,587 |
| Total domestic deposits to total assets | 79.9067% | 5,625 |
| Equity capital to assets | 7.7225% | 6,355 |
| Core capital (leverage) ratio | 8.1824% | 6,025 |
| Tier 1 risk-based capital ratio | 12.0686% | 5,753 |
| Total risk-based capital ratio | 13.1796% | 5,783 |
| Memoranda: | ||
| Average total assets | $1,265,274,330 | 517 |
| Average earning assets | $1,210,088,000 | 497 |
| Average equity | $104,377,330 | 688 |
| Average total loans | $770,330,670 | 539 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 1,165 |
| Cost of funding earning assets | 0.7775% | 1,657 |
| Net interest margin | 4.0887% | 1,494 |
| Noninterest income to average assets | 0.5158% | 3,669 |
| Noninterest expense to average assets | 2.3511% | 5,268 |
| Loan and lease loss provision to assets | 0.0641% | 3,557 |
| Net operating income to assets | 1.5128% | 838 |
| Return on assets (ROA) | 1.5128% | 914 |
| Pretax return on assets | 2.0116% | 578 |
| Return on Equity (ROE) | 17.7475% | 454 |
| Retained earnings to average equity (ytd only) | 7.7098% | 1,853 |
| Net charge-offs to loans | 0.1485% | 2,512 |
| Credit loss provision to net charge-offs | 69.9301% | 2,294 |
| Earnings coverage of net charge-offs (x) | 22.6399% | 1,128 |
| Efficiency ratio | 53.1103% | 6,294 |
| Assets per employee ($millions) | 5.0307% | 2,175 |
| Cash dividends to net income (ytd only)* | 56.5586% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 4,974 |
| Loan loss allowance to noncurrent loans | 491.6925% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 6,098 |
| Noncurrent loans to loans | 0.2533% | 5,781 |
| Net loans and leases to total assets | 60.3249% | 3,372 |
| Net loans and leases to deposits | 74.4049% | 2,868 |
| Net loans and leases to core deposits | 85.4903% | 2,161 |
| Total domestic deposits to total assets | 81.0765% | 5,475 |
| Equity capital to assets | 8.5288% | 5,992 |
| Core capital (leverage) ratio | 8.2146% | 5,923 |
| Tier 1 risk-based capital ratio | 12.0888% | 5,859 |
| Total risk-based capital ratio | 13.2251% | 5,894 |
| Memoranda: | ||
| Average total assets | $1,247,764,500 | 532 |
| Average earning assets | $1,193,533,500 | 502 |
| Average equity | $106,358,500 | 683 |
| Average total loans | $770,337,000 | 540 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2425% | 1,033 |
| Cost of funding earning assets | 0.9128% | 1,863 |
| Net interest margin | 4.3297% | 1,325 |
| Noninterest income to average assets | 0.4852% | 3,999 |
| Noninterest expense to average assets | 2.4662% | 5,203 |
| Loan and lease loss provision to assets | 0.0763% | 4,767 |
| Net operating income to assets | 1.5641% | 806 |
| Return on assets (ROA) | 1.5641% | 884 |
| Pretax return on assets | 2.0785% | 514 |
| Return on Equity (ROE) | 20.2733% | 292 |
| Retained earnings to average equity (ytd only) | 13.8476% | 207 |
| Net charge-offs to loans | 0.0765% | 4,910 |
| Credit loss provision to net charge-offs | 159.8579% | 1,682 |
| Earnings coverage of net charge-offs (x) | 45.1634% | 728 |
| Efficiency ratio | 53.3698% | 6,339 |
| Assets per employee ($millions) | 4.9716% | 2,263 |
| Cash dividends to net income (ytd only)* | 31.6953% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 4,934 |
| Loan loss allowance to noncurrent loans | 414.0827% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 6,059 |
| Noncurrent loans to loans | 0.2994% | 5,730 |
| Net loans and leases to total assets | 61.6207% | 3,311 |
| Net loans and leases to deposits | 73.3506% | 3,199 |
| Net loans and leases to core deposits | 93.0365% | 1,553 |
| Total domestic deposits to total assets | 84.0084% | 4,309 |
| Equity capital to assets | 8.5190% | 6,036 |
| Core capital (leverage) ratio | 8.1228% | 6,067 |
| Tier 1 risk-based capital ratio | 11.8289% | 5,890 |
| Total risk-based capital ratio | 12.9741% | 5,914 |
| Memoranda: | ||
| Average total assets | $1,180,020,000 | 557 |
| Average earning assets | $1,127,165,000 | 527 |
| Average equity | $91,041,000 | 766 |
| Average total loans | $735,723,600 | 559 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3389% | 942 |
| Cost of funding earning assets | 0.9358% | 1,951 |
| Net interest margin | 4.4032% | 1,194 |
| Noninterest income to average assets | 0.4954% | 3,962 |
| Noninterest expense to average assets | 2.5016% | 5,081 |
| Loan and lease loss provision to assets | 0.0859% | 4,531 |
| Net operating income to assets | 1.5810% | 893 |
| Return on assets (ROA) | 1.5810% | 992 |
| Pretax return on assets | 2.1126% | 557 |
| Return on Equity (ROE) | 21.0780% | 277 |
| Retained earnings to average equity (ytd only) | 14.4169% | 273 |
| Net charge-offs to loans | 0.0467% | 5,000 |
| Credit loss provision to net charge-offs | 295.2756% | 918 |
| Earnings coverage of net charge-offs (x) | 75.5823% | 541 |
| Efficiency ratio | 53.2247% | 6,329 |
| Assets per employee ($millions) | 4.8811% | 2,342 |
| Cash dividends to net income (ytd only)* | 31.6022% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 4,698 |
| Loan loss allowance to noncurrent loans | 402.0568% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 6,132 |
| Noncurrent loans to loans | 0.3297% | 5,813 |
| Net loans and leases to total assets | 60.5864% | 3,656 |
| Net loans and leases to deposits | 75.1789% | 3,115 |
| Net loans and leases to core deposits | 91.3541% | 1,844 |
| Total domestic deposits to total assets | 80.5897% | 5,485 |
| Equity capital to assets | 7.7603% | 6,691 |
| Core capital (leverage) ratio | 7.2927% | 6,716 |
| Tier 1 risk-based capital ratio | 10.7778% | 6,570 |
| Total risk-based capital ratio | 12.0006% | 6,567 |
| Memoranda: | ||
| Average total assets | $1,164,302,500 | 568 |
| Average earning assets | $1,111,807,500 | 537 |
| Average equity | $87,330,750 | 796 |
| Average total loans | $725,781,500 | 569 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 842 |
| Cost of funding earning assets | 0.9749% | 1,907 |
| Net interest margin | 4.4424% | 1,099 |
| Noninterest income to average assets | 0.4871% | 4,010 |
| Noninterest expense to average assets | 2.5313% | 5,033 |
| Loan and lease loss provision to assets | 0.1042% | 4,224 |
| Net operating income to assets | 1.5687% | 881 |
| Return on assets (ROA) | 1.5687% | 991 |
| Pretax return on assets | 2.0930% | 581 |
| Return on Equity (ROE) | 21.1688% | 283 |
| Retained earnings to average equity (ytd only) | 14.4296% | 315 |
| Net charge-offs to loans | 0.0324% | 4,920 |
| Credit loss provision to net charge-offs | 512.8205% | 586 |
| Earnings coverage of net charge-offs (x) | 108.1795% | 397 |
| Efficiency ratio | 53.5335% | 6,361 |
| Assets per employee ($millions) | 4.7129% | 2,553 |
| Cash dividends to net income (ytd only)* | 31.8358% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 4,794 |
| Loan loss allowance to noncurrent loans | 436.3433% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 6,258 |
| Noncurrent loans to loans | 0.3029% | 5,955 |
| Net loans and leases to total assets | 61.3533% | 3,562 |
| Net loans and leases to deposits | 74.9300% | 3,136 |
| Net loans and leases to core deposits | 86.6547% | 2,339 |
| Total domestic deposits to total assets | 81.8808% | 5,179 |
| Equity capital to assets | 7.4767% | 6,800 |
| Core capital (leverage) ratio | 7.1803% | 6,758 |
| Tier 1 risk-based capital ratio | 10.4564% | 6,710 |
| Total risk-based capital ratio | 11.6881% | 6,703 |
| Memoranda: | ||
| Average total assets | $1,152,152,670 | 574 |
| Average earning assets | $1,099,997,330 | 545 |
| Average equity | $85,380,330 | 807 |
| Average total loans | $721,953,000 | 572 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 946 |
| Cost of funding earning assets | 1.0032% | 1,964 |
| Net interest margin | 4.3751% | 1,285 |
| Noninterest income to average assets | 0.5413% | 3,623 |
| Noninterest expense to average assets | 2.4386% | 5,346 |
| Loan and lease loss provision to assets | 0.1587% | 3,395 |
| Net operating income to assets | 1.5769% | 901 |
| Return on assets (ROA) | 1.5769% | 1,007 |
| Pretax return on assets | 2.1188% | 616 |
| Return on Equity (ROE) | 21.3787% | 299 |
| Retained earnings to average equity (ytd only) | 14.7337% | 478 |
| Net charge-offs to loans | 0.0493% | 4,010 |
| Credit loss provision to net charge-offs | 511.3636% | 639 |
| Earnings coverage of net charge-offs (x) | 73.3977% | 456 |
| Efficiency ratio | 51.7084% | 6,567 |
| Assets per employee ($millions) | 4.7301% | 2,614 |
| Cash dividends to net income (ytd only)* | 31.0823% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 4,759 |
| Loan loss allowance to noncurrent loans | 480.7980% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,295 |
| Noncurrent loans to loans | 0.2832% | 6,113 |
| Net loans and leases to total assets | 61.5073% | 3,352 |
| Net loans and leases to deposits | 72.6489% | 3,335 |
| Net loans and leases to core deposits | 82.9289% | 2,700 |
| Total domestic deposits to total assets | 84.6638% | 4,179 |
| Equity capital to assets | 7.5241% | 6,770 |
| Core capital (leverage) ratio | 7.0813% | 6,810 |
| Tier 1 risk-based capital ratio | 10.5344% | 6,727 |
| Total risk-based capital ratio | 11.7847% | 6,715 |
| Memoranda: | ||
| Average total assets | $1,134,404,500 | 582 |
| Average earning assets | $1,082,496,000 | 557 |
| Average equity | $83,672,000 | 823 |
| Average total loans | $713,718,000 | 573 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5500% | 1,058 |
| Cost of funding earning assets | 1.0946% | 2,707 |
| Net interest margin | 4.4554% | 1,244 |
| Noninterest income to average assets | 0.4989% | 3,851 |
| Noninterest expense to average assets | 2.4959% | 5,481 |
| Loan and lease loss provision to assets | 0.1384% | 4,891 |
| Net operating income to assets | 1.5735% | 709 |
| Return on assets (ROA) | 1.5735% | 763 |
| Pretax return on assets | 2.1430% | 411 |
| Return on Equity (ROE) | 22.4577% | 172 |
| Retained earnings to average equity (ytd only) | 15.0084% | 132 |
| Net charge-offs to loans | 0.1205% | 5,179 |
| Credit loss provision to net charge-offs | 176.6467% | 1,486 |
| Earnings coverage of net charge-offs (x) | 29.1114% | 860 |
| Efficiency ratio | 52.2446% | 6,684 |
| Assets per employee ($millions) | 4.7430% | 2,527 |
| Cash dividends to net income (ytd only)* | 33.1703% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2894% | 4,962 |
| Loan loss allowance to noncurrent loans | 374.1129% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 6,129 |
| Noncurrent loans to loans | 0.3447% | 6,037 |
| Net loans and leases to total assets | 62.6572% | 3,478 |
| Net loans and leases to deposits | 74.8166% | 3,371 |
| Net loans and leases to core deposits | 85.6142% | 2,681 |
| Total domestic deposits to total assets | 83.7478% | 4,433 |
| Equity capital to assets | 7.2274% | 6,893 |
| Core capital (leverage) ratio | 6.9455% | 6,881 |
| Tier 1 risk-based capital ratio | 10.0511% | 6,846 |
| Total risk-based capital ratio | 11.2670% | 6,842 |
| Memoranda: | ||
| Average total assets | $1,065,483,000 | 616 |
| Average earning assets | $1,023,138,600 | 572 |
| Average equity | $74,651,600 | 904 |
| Average total loans | $693,129,200 | 596 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 1,122 |
| Cost of funding earning assets | 1.1170% | 2,864 |
| Net interest margin | 4.4396% | 1,294 |
| Noninterest income to average assets | 0.5672% | 3,392 |
| Noninterest expense to average assets | 2.5370% | 5,327 |
| Loan and lease loss provision to assets | 0.1113% | 5,038 |
| Net operating income to assets | 1.5414% | 868 |
| Return on assets (ROA) | 1.5414% | 937 |
| Pretax return on assets | 2.1888% | 436 |
| Return on Equity (ROE) | 22.1892% | 211 |
| Retained earnings to average equity (ytd only) | 14.5554% | 260 |
| Net charge-offs to loans | 0.0878% | 5,096 |
| Credit loss provision to net charge-offs | 193.5841% | 1,508 |
| Earnings coverage of net charge-offs (x) | 40.0156% | 768 |
| Efficiency ratio | 52.4489% | 6,640 |
| Assets per employee ($millions) | 4.7602% | 2,541 |
| Cash dividends to net income (ytd only)* | 34.4031% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3042% | 4,991 |
| Loan loss allowance to noncurrent loans | 282.6263% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 6,062 |
| Noncurrent loans to loans | 0.4614% | 5,925 |
| Net loans and leases to total assets | 61.8252% | 3,770 |
| Net loans and leases to deposits | 76.8748% | 3,184 |
| Net loans and leases to core deposits | 88.1211% | 2,470 |
| Total domestic deposits to total assets | 80.4232% | 5,615 |
| Equity capital to assets | 7.1239% | 7,029 |
| Core capital (leverage) ratio | 6.8473% | 6,993 |
| Tier 1 risk-based capital ratio | 10.0218% | 6,946 |
| Total risk-based capital ratio | 11.2584% | 6,937 |
| Memoranda: | ||
| Average total assets | $1,048,459,500 | 637 |
| Average earning assets | $1,008,391,000 | 591 |
| Average equity | $72,832,500 | 932 |
| Average total loans | $686,525,000 | 604 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5527% | 1,170 |
| Cost of funding earning assets | 1.1534% | 2,877 |
| Net interest margin | 4.3993% | 1,370 |
| Noninterest income to average assets | 0.5915% | 3,188 |
| Noninterest expense to average assets | 2.5054% | 5,515 |
| Loan and lease loss provision to assets | 0.1118% | 4,900 |
| Net operating income to assets | 1.5502% | 806 |
| Return on assets (ROA) | 1.5502% | 857 |
| Pretax return on assets | 2.2125% | 401 |
| Return on Equity (ROE) | 22.5229% | 215 |
| Retained earnings to average equity (ytd only) | 14.6667% | 268 |
| Net charge-offs to loans | 0.0781% | 4,859 |
| Credit loss provision to net charge-offs | 215.3558% | 1,382 |
| Earnings coverage of net charge-offs (x) | 44.7566% | 682 |
| Efficiency ratio | 51.8747% | 6,795 |
| Assets per employee ($millions) | 4.6904% | 2,558 |
| Cash dividends to net income (ytd only)* | 34.8808% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3192% | 4,974 |
| Loan loss allowance to noncurrent loans | 199.6875% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 5,978 |
| Noncurrent loans to loans | 0.6606% | 5,592 |
| Net loans and leases to total assets | 61.4985% | 3,985 |
| Net loans and leases to deposits | 77.7814% | 3,157 |
| Net loans and leases to core deposits | 88.5087% | 2,566 |
| Total domestic deposits to total assets | 79.0659% | 6,069 |
| Equity capital to assets | 6.8672% | 7,132 |
| Core capital (leverage) ratio | 6.8676% | 7,043 |
| Tier 1 risk-based capital ratio | 9.9110% | 7,004 |
| Total risk-based capital ratio | 11.1611% | 7,003 |
| Memoranda: | ||
| Average total assets | $1,028,239,000 | 657 |
| Average earning assets | $990,613,330 | 608 |
| Average equity | $70,772,330 | 963 |
| Average total loans | $683,774,330 | 619 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6319% | 1,004 |
| Cost of funding earning assets | 1.1929% | 2,866 |
| Net interest margin | 4.4390% | 1,195 |
| Noninterest income to average assets | 0.6291% | 2,968 |
| Noninterest expense to average assets | 2.4919% | 5,579 |
| Loan and lease loss provision to assets | 0.1803% | 3,814 |
| Net operating income to assets | 1.5627% | 755 |
| Return on assets (ROA) | 1.5627% | 794 |
| Pretax return on assets | 2.2407% | 371 |
| Return on Equity (ROE) | 22.6762% | 225 |
| Retained earnings to average equity (ytd only) | 14.5942% | 425 |
| Net charge-offs to loans | 0.0583% | 4,347 |
| Credit loss provision to net charge-offs | 450.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 60.4200% | 490 |
| Efficiency ratio | 50.7218% | 6,939 |
| Assets per employee ($millions) | 4.4922% | 2,905 |
| Cash dividends to net income (ytd only)* | 35.6410% | 1,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,965 |
| Loan loss allowance to noncurrent loans | 217.3114% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 6,109 |
| Noncurrent loans to loans | 0.6144% | 5,806 |
| Net loans and leases to total assets | 66.0061% | 3,008 |
| Net loans and leases to deposits | 82.7937% | 2,217 |
| Net loans and leases to core deposits | 93.7423% | 1,915 |
| Total domestic deposits to total assets | 79.7236% | 6,011 |
| Equity capital to assets | 7.0034% | 7,082 |
| Core capital (leverage) ratio | 6.8564% | 7,065 |
| Tier 1 risk-based capital ratio | 9.9151% | 7,030 |
| Total risk-based capital ratio | 11.1659% | 7,035 |
| Memoranda: | ||
| Average total assets | $998,266,500 | 672 |
| Average earning assets | $963,375,000 | 634 |
| Average equity | $68,794,500 | 974 |
| Average total loans | $686,580,000 | 623 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8485% | 1,152 |
| Cost of funding earning assets | 1.3974% | 3,286 |
| Net interest margin | 4.4511% | 1,347 |
| Noninterest income to average assets | 0.5461% | 3,848 |
| Noninterest expense to average assets | 2.5675% | 5,552 |
| Loan and lease loss provision to assets | 0.1791% | 5,428 |
| Net operating income to assets | 1.4669% | 827 |
| Return on assets (ROA) | 1.4669% | 885 |
| Pretax return on assets | 2.1017% | 385 |
| Return on Equity (ROE) | 22.0351% | 162 |
| Retained earnings to average equity (ytd only) | 14.9950% | 126 |
| Net charge-offs to loans | 0.1136% | 5,747 |
| Credit loss provision to net charge-offs | 224.8677% | 1,326 |
| Earnings coverage of net charge-offs (x) | 28.6336% | 755 |
| Efficiency ratio | 52.9566% | 6,897 |
| Assets per employee ($millions) | 4.5013% | 2,867 |
| Cash dividends to net income (ytd only)* | 31.9494% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 5,353 |
| Loan loss allowance to noncurrent loans | 258.4680% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3451% | 6,394 |
| Noncurrent loans to loans | 0.4774% | 6,084 |
| Net loans and leases to total assets | 69.8131% | 2,574 |
| Net loans and leases to deposits | 91.9794% | 1,266 |
| Net loans and leases to core deposits | 100.0292% | 1,612 |
| Total domestic deposits to total assets | 75.9009% | 6,642 |
| Equity capital to assets | 6.7775% | 7,184 |
| Core capital (leverage) ratio | 6.6650% | 7,153 |
| Tier 1 risk-based capital ratio | 9.3885% | 7,166 |
| Total risk-based capital ratio | 10.6261% | 7,169 |
| Memoranda: | ||
| Average total assets | $949,090,600 | 707 |
| Average earning assets | $917,348,200 | 658 |
| Average equity | $63,181,000 | 1,057 |
| Average total loans | $665,331,600 | 654 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8621% | 1,226 |
| Cost of funding earning assets | 1.4321% | 3,380 |
| Net interest margin | 4.4300% | 1,427 |
| Noninterest income to average assets | 0.5468% | 3,815 |
| Noninterest expense to average assets | 2.5590% | 5,474 |
| Loan and lease loss provision to assets | 0.1917% | 5,129 |
| Net operating income to assets | 1.4390% | 1,042 |
| Return on assets (ROA) | 1.4390% | 1,112 |
| Pretax return on assets | 2.0791% | 530 |
| Return on Equity (ROE) | 21.7197% | 211 |
| Retained earnings to average equity (ytd only) | 15.1429% | 205 |
| Net charge-offs to loans | 0.1190% | 5,363 |
| Credit loss provision to net charge-offs | 230.3754% | 1,491 |
| Earnings coverage of net charge-offs (x) | 27.2851% | 937 |
| Efficiency ratio | 52.9832% | 6,891 |
| Assets per employee ($millions) | 4.5477% | 2,845 |
| Cash dividends to net income (ytd only)* | 30.2803% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 5,271 |
| Loan loss allowance to noncurrent loans | 229.7121% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 6,458 |
| Noncurrent loans to loans | 0.5414% | 6,123 |
| Net loans and leases to total assets | 69.0171% | 2,982 |
| Net loans and leases to deposits | 86.8105% | 2,182 |
| Net loans and leases to core deposits | 98.5810% | 1,987 |
| Total domestic deposits to total assets | 79.5031% | 5,865 |
| Equity capital to assets | 6.9306% | 7,360 |
| Core capital (leverage) ratio | 6.6035% | 7,309 |
| Tier 1 risk-based capital ratio | 9.3104% | 7,297 |
| Total risk-based capital ratio | 10.5582% | 7,306 |
| Memoranda: | ||
| Average total assets | $938,792,000 | 712 |
| Average earning assets | $907,639,500 | 659 |
| Average equity | $62,197,000 | 1,080 |
| Average total loans | $656,667,750 | 662 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8292% | 1,347 |
| Cost of funding earning assets | 1.4783% | 3,378 |
| Net interest margin | 4.3509% | 1,583 |
| Noninterest income to average assets | 0.5381% | 3,809 |
| Noninterest expense to average assets | 2.5111% | 5,682 |
| Loan and lease loss provision to assets | 0.2049% | 4,824 |
| Net operating income to assets | 1.4053% | 1,087 |
| Return on assets (ROA) | 1.4053% | 1,145 |
| Pretax return on assets | 2.0301% | 568 |
| Return on Equity (ROE) | 21.5596% | 230 |
| Retained earnings to average equity (ytd only) | 13.7610% | 319 |
| Net charge-offs to loans | 0.1421% | 4,803 |
| Credit loss provision to net charge-offs | 206.0738% | 1,887 |
| Earnings coverage of net charge-offs (x) | 22.4794% | 1,129 |
| Efficiency ratio | 52.9083% | 6,988 |
| Assets per employee ($millions) | 4.3385% | 3,150 |
| Cash dividends to net income (ytd only)* | 36.1725% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 5,256 |
| Loan loss allowance to noncurrent loans | 320.1487% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 6,716 |
| Noncurrent loans to loans | 0.3861% | 6,468 |
| Net loans and leases to total assets | 68.5015% | 3,249 |
| Net loans and leases to deposits | 85.3523% | 2,623 |
| Net loans and leases to core deposits | 92.8091% | 2,872 |
| Total domestic deposits to total assets | 80.2574% | 5,649 |
| Equity capital to assets | 6.5970% | 7,458 |
| Core capital (leverage) ratio | 6.3656% | 7,415 |
| Tier 1 risk-based capital ratio | 9.1438% | 7,387 |
| Total risk-based capital ratio | 10.3868% | 7,385 |
| Memoranda: | ||
| Average total assets | $927,322,670 | 719 |
| Average earning assets | $896,863,330 | 667 |
| Average equity | $60,446,330 | 1,101 |
| Average total loans | $648,846,330 | 683 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7654% | 1,577 |
| Cost of funding earning assets | 1.5142% | 3,462 |
| Net interest margin | 4.2512% | 1,850 |
| Noninterest income to average assets | 0.4894% | 4,130 |
| Noninterest expense to average assets | 2.4720% | 5,835 |
| Loan and lease loss provision to assets | 0.1970% | 4,529 |
| Net operating income to assets | 1.3330% | 1,219 |
| Return on assets (ROA) | 1.3330% | 1,292 |
| Pretax return on assets | 1.9314% | 692 |
| Return on Equity (ROE) | 20.5792% | 350 |
| Retained earnings to average equity (ytd only) | 9.4482% | 1,285 |
| Net charge-offs to loans | 0.1987% | 3,716 |
| Credit loss provision to net charge-offs | 141.0658% | 2,517 |
| Earnings coverage of net charge-offs (x) | 15.2414% | 1,392 |
| Efficiency ratio | 53.7349% | 6,996 |
| Assets per employee ($millions) | 4.5209% | 2,918 |
| Cash dividends to net income (ytd only)* | 54.0887% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,408 |
| Loan loss allowance to noncurrent loans | 374.5811% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 6,599 |
| Noncurrent loans to loans | 0.3252% | 6,649 |
| Net loans and leases to total assets | 67.1672% | 3,585 |
| Net loans and leases to deposits | 83.0552% | 3,096 |
| Net loans and leases to core deposits | 90.7955% | 3,259 |
| Total domestic deposits to total assets | 80.8706% | 5,504 |
| Equity capital to assets | 6.3361% | 7,565 |
| Core capital (leverage) ratio | 6.2992% | 7,530 |
| Tier 1 risk-based capital ratio | 8.9272% | 7,493 |
| Total risk-based capital ratio | 10.1432% | 7,515 |
| Memoranda: | ||
| Average total assets | $913,747,000 | 747 |
| Average earning assets | $883,610,000 | 695 |
| Average equity | $59,186,000 | 1,123 |
| Average total loans | $642,263,500 | 710 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0733% | 1,593 |
| Cost of funding earning assets | 1.8481% | 3,743 |
| Net interest margin | 4.2252% | 1,991 |
| Noninterest income to average assets | 0.5913% | 3,691 |
| Noninterest expense to average assets | 2.7326% | 5,236 |
| Loan and lease loss provision to assets | 0.2518% | 5,382 |
| Net operating income to assets | 1.1757% | 1,312 |
| Return on assets (ROA) | 1.1753% | 1,357 |
| Pretax return on assets | 1.6751% | 825 |
| Return on Equity (ROE) | 17.6010% | 397 |
| Retained earnings to average equity (ytd only) | 8.2307% | 643 |
| Net charge-offs to loans | 0.1096% | 6,063 |
| Credit loss provision to net charge-offs | 310.3704% | 1,060 |
| Earnings coverage of net charge-offs (x) | 23.7526% | 926 |
| Efficiency ratio | 58.5234% | 6,693 |
| Assets per employee ($millions) | 4.2029% | 3,434 |
| Cash dividends to net income (ytd only)* | 53.2372% | 2,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,370 |
| Loan loss allowance to noncurrent loans | 237.9097% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 6,480 |
| Noncurrent loans to loans | 0.5037% | 6,242 |
| Net loans and leases to total assets | 71.8727% | 2,779 |
| Net loans and leases to deposits | 96.5759% | 1,259 |
| Net loans and leases to core deposits | 122.5792% | 1,742 |
| Total domestic deposits to total assets | 74.4209% | 6,959 |
| Equity capital to assets | 6.6285% | 7,525 |
| Core capital (leverage) ratio | 6.5293% | 7,477 |
| Tier 1 risk-based capital ratio | 8.8627% | 7,520 |
| Total risk-based capital ratio | 10.0792% | 7,555 |
| Memoranda: | ||
| Average total assets | $831,855,000 | 819 |
| Average earning assets | $801,029,600 | 761 |
| Average equity | $55,548,000 | 1,184 |
| Average total loans | $615,877,800 | 760 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0997% | 1,658 |
| Cost of funding earning assets | 1.8998% | 3,893 |
| Net interest margin | 4.1999% | 2,062 |
| Noninterest income to average assets | 0.6078% | 3,632 |
| Noninterest expense to average assets | 2.8026% | 4,886 |
| Loan and lease loss provision to assets | 0.2189% | 5,228 |
| Net operating income to assets | 1.1003% | 1,732 |
| Return on assets (ROA) | 1.1003% | 1,788 |
| Pretax return on assets | 1.6263% | 1,121 |
| Return on Equity (ROE) | 16.4446% | 602 |
| Retained earnings to average equity (ytd only) | 7.5436% | 1,299 |
| Net charge-offs to loans | 0.0755% | 5,933 |
| Credit loss provision to net charge-offs | 389.8551% | 1,034 |
| Earnings coverage of net charge-offs (x) | 32.8608% | 874 |
| Efficiency ratio | 60.2710% | 6,374 |
| Assets per employee ($millions) | 4.1107% | 3,541 |
| Cash dividends to net income (ytd only)* | 54.1272% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,347 |
| Loan loss allowance to noncurrent loans | 200.8283% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.4688% | 6,289 |
| Noncurrent loans to loans | 0.5787% | 6,163 |
| Net loans and leases to total assets | 72.3470% | 2,943 |
| Net loans and leases to deposits | 96.5467% | 1,507 |
| Net loans and leases to core deposits | 123.1712% | 1,980 |
| Total domestic deposits to total assets | 74.9348% | 6,780 |
| Equity capital to assets | 6.7524% | 7,687 |
| Core capital (leverage) ratio | 6.5323% | 7,658 |
| Tier 1 risk-based capital ratio | 9.0128% | 7,616 |
| Total risk-based capital ratio | 10.2148% | 7,654 |
| Memoranda: | ||
| Average total assets | $819,164,000 | 842 |
| Average earning assets | $787,994,250 | 790 |
| Average equity | $54,809,000 | 1,218 |
| Average total loans | $609,333,250 | 787 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1655% | 1,572 |
| Cost of funding earning assets | 1.9429% | 4,044 |
| Net interest margin | 4.2226% | 1,907 |
| Noninterest income to average assets | 0.5773% | 3,853 |
| Noninterest expense to average assets | 2.8392% | 4,779 |
| Loan and lease loss provision to assets | 0.2230% | 4,806 |
| Net operating income to assets | 1.0577% | 1,920 |
| Return on assets (ROA) | 1.0577% | 1,996 |
| Pretax return on assets | 1.5674% | 1,283 |
| Return on Equity (ROE) | 15.8600% | 718 |
| Retained earnings to average equity (ytd only) | 7.4563% | 1,409 |
| Net charge-offs to loans | 0.0745% | 5,460 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 32.1156% | 949 |
| Efficiency ratio | 61.3005% | 6,349 |
| Assets per employee ($millions) | 3.8947% | 3,882 |
| Cash dividends to net income (ytd only)* | 52.9866% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 5,371 |
| Loan loss allowance to noncurrent loans | 159.3807% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 5,985 |
| Noncurrent loans to loans | 0.7115% | 5,813 |
| Net loans and leases to total assets | 73.7202% | 2,778 |
| Net loans and leases to deposits | 98.9100% | 1,403 |
| Net loans and leases to core deposits | 124.6332% | 1,972 |
| Total domestic deposits to total assets | 74.5326% | 6,861 |
| Equity capital to assets | 6.6434% | 7,770 |
| Core capital (leverage) ratio | 6.6081% | 7,743 |
| Tier 1 risk-based capital ratio | 9.0208% | 7,686 |
| Total risk-based capital ratio | 10.1933% | 7,756 |
| Memoranda: | ||
| Average total assets | $807,209,000 | 873 |
| Average earning assets | $774,632,670 | 826 |
| Average equity | $53,833,670 | 1,251 |
| Average total loans | $603,823,670 | 814 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1528% | 1,751 |
| Cost of funding earning assets | 2.0052% | 4,100 |
| Net interest margin | 4.1477% | 2,096 |
| Noninterest income to average assets | 0.4380% | 4,889 |
| Noninterest expense to average assets | 2.7063% | 4,977 |
| Loan and lease loss provision to assets | 0.2250% | 4,204 |
| Net operating income to assets | 1.0286% | 2,198 |
| Return on assets (ROA) | 1.0286% | 2,339 |
| Pretax return on assets | 1.4797% | 1,725 |
| Return on Equity (ROE) | 15.3930% | 904 |
| Retained earnings to average equity (ytd only) | 7.0492% | 2,193 |
| Net charge-offs to loans | 0.0621% | 4,584 |
| Credit loss provision to net charge-offs | 483.8710% | 1,113 |
| Earnings coverage of net charge-offs (x) | 36.6559% | 914 |
| Efficiency ratio | 61.3196% | 6,193 |
| Assets per employee ($millions) | 3.9167% | 3,834 |
| Cash dividends to net income (ytd only)* | 54.2052% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 5,487 |
| Loan loss allowance to noncurrent loans | 175.5161% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5380% | 5,870 |
| Noncurrent loans to loans | 0.6255% | 5,835 |
| Net loans and leases to total assets | 74.3971% | 2,650 |
| Net loans and leases to deposits | 101.9015% | 1,184 |
| Net loans and leases to core deposits | 127.4909% | 1,823 |
| Total domestic deposits to total assets | 73.0088% | 7,052 |
| Equity capital to assets | 6.7488% | 7,784 |
| Core capital (leverage) ratio | 6.5408% | 7,863 |
| Tier 1 risk-based capital ratio | 8.9819% | 7,800 |
| Total risk-based capital ratio | 10.1180% | 7,902 |
| Memoranda: | ||
| Average total assets | $799,917,500 | 880 |
| Average earning assets | $766,215,000 | 836 |
| Average equity | $53,453,000 | 1,264 |
| Average total loans | $599,347,500 | 826 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5738% | 2,607 |
| Cost of funding earning assets | 2.5868% | 3,747 |
| Net interest margin | 3.9870% | 3,179 |
| Noninterest income to average assets | 0.6499% | 3,477 |
| Noninterest expense to average assets | 2.7947% | 4,841 |
| Loan and lease loss provision to assets | 0.2503% | 4,415 |
| Net operating income to assets | 0.9398% | 2,834 |
| Return on assets (ROA) | 0.9471% | 2,662 |
| Pretax return on assets | 1.4117% | 1,937 |
| Return on Equity (ROE) | 13.9881% | 1,108 |
| Retained earnings to average equity (ytd only) | 7.1199% | 1,113 |
| Net charge-offs to loans | 0.1909% | 4,276 |
| Credit loss provision to net charge-offs | 167.0113% | 3,075 |
| Earnings coverage of net charge-offs (x) | 11.0188% | 2,425 |
| Efficiency ratio | 62.8294% | 5,810 |
| Assets per employee ($millions) | 3.8873% | 3,768 |
| Cash dividends to net income (ytd only)* | 49.1004% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,581 |
| Loan loss allowance to noncurrent loans | 166.2427% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 5,509 |
| Noncurrent loans to loans | 0.6346% | 5,465 |
| Net loans and leases to total assets | 73.8398% | 3,146 |
| Net loans and leases to deposits | 100.9227% | 1,721 |
| Net loans and leases to core deposits | 132.0943% | 1,716 |
| Total domestic deposits to total assets | 73.1647% | 6,799 |
| Equity capital to assets | 6.6153% | 7,898 |
| Core capital (leverage) ratio | 6.8833% | 7,774 |
| Tier 1 risk-based capital ratio | 8.9887% | 7,791 |
| Total risk-based capital ratio | 10.0850% | 7,928 |
| Memoranda: | ||
| Average total assets | $710,062,800 | 939 |
| Average earning assets | $676,021,800 | 898 |
| Average equity | $48,076,600 | 1,425 |
| Average total loans | $557,490,800 | 854 |