Home > Inwood National Bank > Performance and Condition Ratios
Inwood National Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 300 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 4,121 |
| Cost of funding earning assets | 2.0005% | 1,879 |
| Net interest margin | 2.2077% | 4,203 |
| Noninterest income to average assets | 0.1300% | 3,967 |
| Noninterest expense to average assets | 1.1133% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,062 |
| Net operating income to assets | 1.1604% | 1,954 |
| Return on assets (ROA) | 1.1604% | 1,947 |
| Pretax return on assets | 1.1604% | 2,503 |
| Return on Equity (ROE) | 11.0500% | 2,118 |
| Retained earnings to average equity (ytd only) | 2.0850% | 3,440 |
| Net charge-offs to loans | 0.0000% | 2,748 |
| Credit loss provision to net charge-offs | 0.0000% | 2,216 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,669 |
| Efficiency ratio | 48.8989% | 3,867 |
| Assets per employee ($millions) | 20.7608% | 100 |
| Cash dividends to net income (ytd only)* | 81.1343% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 3,603 |
| Loan loss allowance to noncurrent loans | 117.1320% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4339% | 1,743 |
| Noncurrent loans to loans | 0.7530% | 1,445 |
| Net loans and leases to total assets | 57.1100% | 3,176 |
| Net loans and leases to deposits | 65.7473% | 3,232 |
| Net loans and leases to core deposits | 70.8528% | 3,319 |
| Total domestic deposits to total assets | 86.8600% | 1,813 |
| Equity capital to assets | 10.8830% | 1,777 |
| Core capital (leverage) ratio | 10.1591% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8402% | 1,277 |
| Memoranda: | ||
| Average total assets | $4,376,194,333 | 311 |
| Average earning assets | $4,251,030,667 | 291 |
| Average equity | $459,476,667 | 313 |
| Average total loans | $2,440,379,667 | 370 |
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1749% | 4,181 |
| Cost of funding earning assets | 2.0426% | 1,811 |
| Net interest margin | 2.1322% | 4,245 |
| Noninterest income to average assets | 0.1300% | 3,988 |
| Noninterest expense to average assets | 1.0834% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 1.1123% | 1,976 |
| Return on assets (ROA) | 1.1123% | 1,977 |
| Pretax return on assets | 1.1123% | 2,474 |
| Return on Equity (ROE) | 10.7800% | 2,089 |
| Retained earnings to average equity (ytd only) | 4.5907% | 2,685 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 49.3122% | 3,932 |
| Assets per employee ($millions) | 21.4618% | 83 |
| Cash dividends to net income (ytd only)* | 57.4201% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 3,590 |
| Loan loss allowance to noncurrent loans | 119.1282% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.4197% | 1,676 |
| Noncurrent loans to loans | 0.7617% | 1,361 |
| Net loans and leases to total assets | 54.6000% | 3,299 |
| Net loans and leases to deposits | 62.5083% | 3,349 |
| Net loans and leases to core deposits | 67.3705% | 3,418 |
| Total domestic deposits to total assets | 87.3600% | 1,789 |
| Equity capital to assets | 10.5383% | 1,894 |
| Core capital (leverage) ratio | 9.7956% | 3,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9292% | 1,290 |
| Memoranda: | ||
| Average total assets | $4,446,693,000 | 316 |
| Average earning assets | $4,320,514,500 | 299 |
| Average equity | $458,757,500 | 317 |
| Average total loans | $2,440,428,500 | 372 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1825% | 4,171 |
| Cost of funding earning assets | 2.4732% | 1,205 |
| Net interest margin | 1.7093% | 4,350 |
| Noninterest income to average assets | 0.1500% | 3,997 |
| Noninterest expense to average assets | 1.0888% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.7256% | 2,899 |
| Return on assets (ROA) | 0.7256% | 2,918 |
| Pretax return on assets | 0.7256% | 3,202 |
| Return on Equity (ROE) | 7.4000% | 2,920 |
| Retained earnings to average equity (ytd only) | 4.7357% | 2,343 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 60.1519% | 3,143 |
| Assets per employee ($millions) | 22.3524% | 79 |
| Cash dividends to net income (ytd only)* | 36.0275% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 3,713 |
| Loan loss allowance to noncurrent loans | 116.9496% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 1,692 |
| Noncurrent loans to loans | 0.7446% | 1,331 |
| Net loans and leases to total assets | 54.1900% | 3,384 |
| Net loans and leases to deposits | 64.7205% | 3,297 |
| Net loans and leases to core deposits | 70.0025% | 3,355 |
| Total domestic deposits to total assets | 83.7300% | 2,849 |
| Equity capital to assets | 10.1020% | 2,071 |
| Core capital (leverage) ratio | 9.2389% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3009% | 1,450 |
| Memoranda: | ||
| Average total assets | $4,517,123,400 | 307 |
| Average earning assets | $4,397,615,600 | 287 |
| Average equity | $442,740,000 | 315 |
| Average total loans | $2,478,234,600 | 354 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 4,215 |
| Cost of funding earning assets | 2.4973% | 1,176 |
| Net interest margin | 1.6152% | 4,395 |
| Noninterest income to average assets | 0.1400% | 4,042 |
| Noninterest expense to average assets | 1.0692% | 4,423 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.6449% | 3,102 |
| Return on assets (ROA) | 0.6449% | 3,123 |
| Pretax return on assets | 0.6449% | 3,387 |
| Return on Equity (ROE) | 6.6300% | 3,143 |
| Retained earnings to average equity (ytd only) | 3.0472% | 3,162 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 62.3533% | 2,879 |
| Assets per employee ($millions) | 22.5202% | 80 |
| Cash dividends to net income (ytd only)* | 54.0412% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 3,718 |
| Loan loss allowance to noncurrent loans | 119.4233% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 1,701 |
| Noncurrent loans to loans | 0.7392% | 1,337 |
| Net loans and leases to total assets | 52.6200% | 3,504 |
| Net loans and leases to deposits | 63.8682% | 3,372 |
| Net loans and leases to core deposits | 69.0171% | 3,440 |
| Total domestic deposits to total assets | 82.3800% | 3,008 |
| Equity capital to assets | 9.5043% | 2,668 |
| Core capital (leverage) ratio | 9.0390% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6246% | 1,656 |
| Memoranda: | ||
| Average total assets | $4,517,609,000 | 299 |
| Average earning assets | $4,398,749,000 | 284 |
| Average equity | $439,393,750 | 312 |
| Average total loans | $2,480,731,250 | 349 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 4,261 |
| Cost of funding earning assets | 2.4556% | 1,162 |
| Net interest margin | 1.5763% | 4,420 |
| Noninterest income to average assets | 0.1200% | 4,137 |
| Noninterest expense to average assets | 1.0879% | 4,443 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.5661% | 3,268 |
| Return on assets (ROA) | 0.5661% | 3,301 |
| Pretax return on assets | 0.5661% | 3,512 |
| Return on Equity (ROE) | 5.7700% | 3,341 |
| Retained earnings to average equity (ytd only) | 1.8850% | 3,384 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 65.7261% | 2,571 |
| Assets per employee ($millions) | 21.4340% | 85 |
| Cash dividends to net income (ytd only)* | 67.3581% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8782% | 3,757 |
| Loan loss allowance to noncurrent loans | 119.2688% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 1,604 |
| Noncurrent loans to loans | 0.7363% | 1,266 |
| Net loans and leases to total assets | 53.7000% | 3,428 |
| Net loans and leases to deposits | 65.8816% | 3,264 |
| Net loans and leases to core deposits | 71.0531% | 3,312 |
| Total domestic deposits to total assets | 81.5100% | 3,183 |
| Equity capital to assets | 9.5324% | 2,367 |
| Core capital (leverage) ratio | 9.1812% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4932% | 1,710 |
| Memoranda: | ||
| Average total assets | $4,462,075,333 | 306 |
| Average earning assets | $4,344,163,333 | 289 |
| Average equity | $437,458,333 | 313 |
| Average total loans | $2,478,772,000 | 351 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 4,263 |
| Cost of funding earning assets | 2.3823% | 1,192 |
| Net interest margin | 1.6057% | 4,445 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 1.0999% | 4,467 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 0.5722% | 3,220 |
| Return on assets (ROA) | 0.5722% | 3,247 |
| Pretax return on assets | 0.5722% | 3,437 |
| Return on Equity (ROE) | 5.7500% | 3,286 |
| Retained earnings to average equity (ytd only) | 2.5454% | 3,108 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 65.5141% | 2,638 |
| Assets per employee ($millions) | 19.7536% | 107 |
| Cash dividends to net income (ytd only)* | 55.7502% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 3,780 |
| Loan loss allowance to noncurrent loans | 117.2259% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 1,488 |
| Noncurrent loans to loans | 0.7443% | 1,199 |
| Net loans and leases to total assets | 55.2800% | 3,249 |
| Net loans and leases to deposits | 69.2114% | 2,951 |
| Net loans and leases to core deposits | 74.7050% | 3,068 |
| Total domestic deposits to total assets | 79.8700% | 3,538 |
| Equity capital to assets | 9.8533% | 2,097 |
| Core capital (leverage) ratio | 9.4348% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4274% | 1,732 |
| Memoranda: | ||
| Average total assets | $4,388,954,500 | 311 |
| Average earning assets | $4,272,959,500 | 295 |
| Average equity | $436,547,000 | 312 |
| Average total loans | $2,469,896,000 | 357 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,211 |
| Cost of funding earning assets | 1.8789% | 1,107 |
| Net interest margin | 1.8929% | 4,441 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.1010% | 4,489 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8624% | 2,660 |
| Return on assets (ROA) | 0.8624% | 2,637 |
| Pretax return on assets | 0.8624% | 3,059 |
| Return on Equity (ROE) | 8.7600% | 2,813 |
| Retained earnings to average equity (ytd only) | 3.4844% | 3,129 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 55.8590% | 3,511 |
| Assets per employee ($millions) | 19.2593% | 108 |
| Cash dividends to net income (ytd only)* | 60.2184% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 3,748 |
| Loan loss allowance to noncurrent loans | 118.9852% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.4243% | 1,308 |
| Noncurrent loans to loans | 0.7471% | 1,045 |
| Net loans and leases to total assets | 56.2900% | 3,167 |
| Net loans and leases to deposits | 68.8435% | 2,966 |
| Net loans and leases to core deposits | 74.4044% | 3,056 |
| Total domestic deposits to total assets | 81.7700% | 3,166 |
| Equity capital to assets | 10.0421% | 1,979 |
| Core capital (leverage) ratio | 9.2779% | 3,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3169% | 1,752 |
| Memoranda: | ||
| Average total assets | $4,332,623,800 | 304 |
| Average earning assets | $4,204,535,600 | 286 |
| Average equity | $426,581,000 | 301 |
| Average total loans | $2,366,809,400 | 357 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6780% | 4,237 |
| Cost of funding earning assets | 1.6973% | 1,193 |
| Net interest margin | 1.9807% | 4,447 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.0978% | 4,505 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.9489% | 2,514 |
| Return on assets (ROA) | 0.9489% | 2,502 |
| Pretax return on assets | 0.9489% | 2,981 |
| Return on Equity (ROE) | 9.6900% | 2,738 |
| Retained earnings to average equity (ytd only) | 2.6180% | 3,607 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.4244% | 3,637 |
| Assets per employee ($millions) | 19.0206% | 106 |
| Cash dividends to net income (ytd only)* | 72.9714% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8675% | 3,830 |
| Loan loss allowance to noncurrent loans | 114.6912% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 1,370 |
| Noncurrent loans to loans | 0.7563% | 1,098 |
| Net loans and leases to total assets | 55.5900% | 3,238 |
| Net loans and leases to deposits | 68.8338% | 2,923 |
| Net loans and leases to core deposits | 74.4780% | 2,963 |
| Total domestic deposits to total assets | 80.7500% | 3,421 |
| Equity capital to assets | 9.8838% | 1,893 |
| Core capital (leverage) ratio | 9.2358% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9985% | 1,897 |
| Memoranda: | ||
| Average total assets | $4,332,443,250 | 306 |
| Average earning assets | $4,201,708,750 | 288 |
| Average equity | $424,436,750 | 302 |
| Average total loans | $2,343,228,000 | 362 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5899% | 4,261 |
| Cost of funding earning assets | 1.4697% | 1,302 |
| Net interest margin | 2.1202% | 4,453 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.1093% | 4,532 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 1.0696% | 2,207 |
| Return on assets (ROA) | 1.0696% | 2,204 |
| Pretax return on assets | 1.0696% | 2,724 |
| Return on Equity (ROE) | 10.9500% | 2,433 |
| Retained earnings to average equity (ytd only) | 1.7318% | 3,775 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.6558% | 3,872 |
| Assets per employee ($millions) | 18.4192% | 113 |
| Cash dividends to net income (ytd only)* | 84.1860% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 3,797 |
| Loan loss allowance to noncurrent loans | 115.1764% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 1,257 |
| Noncurrent loans to loans | 0.7780% | 976 |
| Net loans and leases to total assets | 54.1400% | 3,265 |
| Net loans and leases to deposits | 65.6354% | 3,080 |
| Net loans and leases to core deposits | 70.4471% | 3,100 |
| Total domestic deposits to total assets | 82.4800% | 3,142 |
| Equity capital to assets | 9.7945% | 1,980 |
| Core capital (leverage) ratio | 9.1915% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9924% | 1,901 |
| Memoranda: | ||
| Average total assets | $4,331,029,000 | 295 |
| Average earning assets | $4,200,689,667 | 280 |
| Average equity | $423,039,667 | 295 |
| Average total loans | $2,313,733,333 | 354 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 4,274 |
| Cost of funding earning assets | 1.1280% | 1,673 |
| Net interest margin | 2.3678% | 4,406 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.1562% | 4,588 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 1.2990% | 1,673 |
| Return on assets (ROA) | 1.2990% | 1,645 |
| Pretax return on assets | 1.2990% | 2,180 |
| Return on Equity (ROE) | 13.3200% | 1,921 |
| Retained earnings to average equity (ytd only) | 4.3249% | 3,174 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.7210% | 4,100 |
| Assets per employee ($millions) | 18.4294% | 114 |
| Cash dividends to net income (ytd only)* | 67.5243% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9151% | 3,817 |
| Loan loss allowance to noncurrent loans | 116.0173% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 1,218 |
| Noncurrent loans to loans | 0.7888% | 975 |
| Net loans and leases to total assets | 53.2300% | 3,264 |
| Net loans and leases to deposits | 65.8798% | 2,943 |
| Net loans and leases to core deposits | 70.2015% | 2,939 |
| Total domestic deposits to total assets | 80.8000% | 3,665 |
| Equity capital to assets | 9.8519% | 1,900 |
| Core capital (leverage) ratio | 9.2528% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3247% | 1,860 |
| Memoranda: | ||
| Average total assets | $4,332,284,000 | 307 |
| Average earning assets | $4,205,013,000 | 288 |
| Average equity | $422,581,000 | 302 |
| Average total loans | $2,288,333,500 | 368 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1208% | 3,958 |
| Cost of funding earning assets | 0.3323% | 2,614 |
| Net interest margin | 2.7885% | 3,914 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.1563% | 4,621 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.6982% | 542 |
| Return on assets (ROA) | 1.6982% | 512 |
| Pretax return on assets | 1.6982% | 918 |
| Return on Equity (ROE) | 18.2200% | 672 |
| Retained earnings to average equity (ytd only) | 7.7438% | 1,938 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.0187% | 4,537 |
| Assets per employee ($millions) | 19.6927% | 100 |
| Cash dividends to net income (ytd only)* | 57.4933% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,384 |
| Loan loss allowance to noncurrent loans | 123.7512% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4200% | 1,226 |
| Noncurrent loans to loans | 0.8087% | 916 |
| Net loans and leases to total assets | 51.4100% | 3,403 |
| Net loans and leases to deposits | 62.5592% | 3,151 |
| Net loans and leases to core deposits | 65.5007% | 3,169 |
| Total domestic deposits to total assets | 82.1800% | 3,594 |
| Equity capital to assets | 9.6574% | 1,915 |
| Core capital (leverage) ratio | 9.0526% | 3,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4139% | 1,815 |
| Memoranda: | ||
| Average total assets | $4,301,669,600 | 299 |
| Average earning assets | $4,184,730,600 | 284 |
| Average equity | $400,991,200 | 307 |
| Average total loans | $2,159,796,400 | 361 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9996% | 3,889 |
| Cost of funding earning assets | 0.1979% | 3,304 |
| Net interest margin | 2.8017% | 3,731 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.1101% | 4,654 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.7707% | 455 |
| Return on assets (ROA) | 1.7707% | 441 |
| Pretax return on assets | 1.7707% | 779 |
| Return on Equity (ROE) | 19.1700% | 514 |
| Retained earnings to average equity (ytd only) | 5.0352% | 3,088 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.0416% | 4,617 |
| Assets per employee ($millions) | 19.4819% | 109 |
| Cash dividends to net income (ytd only)* | 73.7347% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,488 |
| Loan loss allowance to noncurrent loans | 122.0897% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 1,283 |
| Noncurrent loans to loans | 0.8186% | 973 |
| Net loans and leases to total assets | 51.3500% | 3,352 |
| Net loans and leases to deposits | 63.1815% | 2,931 |
| Net loans and leases to core deposits | 66.3816% | 2,928 |
| Total domestic deposits to total assets | 81.2700% | 3,936 |
| Equity capital to assets | 9.3882% | 1,959 |
| Core capital (leverage) ratio | 8.7231% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9853% | 2,058 |
| Memoranda: | ||
| Average total assets | $4,289,066,000 | 300 |
| Average earning assets | $4,174,312,000 | 286 |
| Average equity | $396,164,250 | 309 |
| Average total loans | $2,134,755,750 | 357 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8717% | 3,849 |
| Cost of funding earning assets | 0.1407% | 3,701 |
| Net interest margin | 2.7310% | 3,639 |
| Noninterest income to average assets | 0.1580% | 4,228 |
| Noninterest expense to average assets | 1.1084% | 4,674 |
| Loan and lease loss provision to assets | 0.0233% | 2,178 |
| Net operating income to assets | 1.6863% | 441 |
| Return on assets (ROA) | 1.6863% | 435 |
| Pretax return on assets | 1.6863% | 778 |
| Return on Equity (ROE) | 18.3581% | 429 |
| Retained earnings to average equity (ytd only) | 3.3638% | 3,323 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3320% | 4,629 |
| Assets per employee ($millions) | 19.6320% | 105 |
| Cash dividends to net income (ytd only)* | 81.6767% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0031% | 3,580 |
| Loan loss allowance to noncurrent loans | 118.2410% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.4292% | 1,325 |
| Noncurrent loans to loans | 0.8483% | 1,008 |
| Net loans and leases to total assets | 50.0817% | 3,371 |
| Net loans and leases to deposits | 57.5945% | 3,255 |
| Net loans and leases to core deposits | 60.2853% | 3,253 |
| Total domestic deposits to total assets | 86.9557% | 2,953 |
| Equity capital to assets | 9.2923% | 2,164 |
| Core capital (leverage) ratio | 8.4373% | 4,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1227% | 2,004 |
| Memoranda: | ||
| Average total assets | $4,283,589,333 | 298 |
| Average earning assets | $4,172,324,333 | 288 |
| Average equity | $393,483,000 | 312 |
| Average total loans | $2,101,939,333 | 353 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7432% | 3,857 |
| Cost of funding earning assets | 0.1395% | 3,640 |
| Net interest margin | 2.6037% | 3,653 |
| Noninterest income to average assets | 0.1528% | 4,238 |
| Noninterest expense to average assets | 1.0992% | 4,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5913% | 520 |
| Return on assets (ROA) | 1.5913% | 517 |
| Pretax return on assets | 1.5913% | 840 |
| Return on Equity (ROE) | 17.4238% | 376 |
| Retained earnings to average equity (ytd only) | 6.2076% | 2,175 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8556% | 4,628 |
| Assets per employee ($millions) | 19.7052% | 105 |
| Cash dividends to net income (ytd only)* | 64.3727% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 3,609 |
| Loan loss allowance to noncurrent loans | 115.4873% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 1,432 |
| Noncurrent loans to loans | 0.8872% | 1,045 |
| Net loans and leases to total assets | 47.2696% | 3,463 |
| Net loans and leases to deposits | 53.5370% | 3,455 |
| Net loans and leases to core deposits | 55.9827% | 3,447 |
| Total domestic deposits to total assets | 88.2933% | 2,392 |
| Equity capital to assets | 9.1610% | 2,561 |
| Core capital (leverage) ratio | 8.5532% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,295,308,500 | 299 |
| Average earning assets | $4,186,504,000 | 289 |
| Average equity | $392,292,000 | 322 |
| Average total loans | $2,075,322,000 | 356 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9633% | 3,936 |
| Cost of funding earning assets | 0.1764% | 3,696 |
| Net interest margin | 2.7869% | 3,698 |
| Noninterest income to average assets | 0.2290% | 4,006 |
| Noninterest expense to average assets | 1.2115% | 4,708 |
| Loan and lease loss provision to assets | 0.0102% | 2,877 |
| Net operating income to assets | 1.7155% | 613 |
| Return on assets (ROA) | 1.7155% | 635 |
| Pretax return on assets | 1.7155% | 1,110 |
| Return on Equity (ROE) | 18.0885% | 456 |
| Retained earnings to average equity (ytd only) | 7.8301% | 1,606 |
| Net charge-offs to loans | -0.0000% | 3,202 |
| Credit loss provision to net charge-offs | -40,000.0000% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2475% | 4,658 |
| Assets per employee ($millions) | 18.8334% | 123 |
| Cash dividends to net income (ytd only)* | 56.7122% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 3,702 |
| Loan loss allowance to noncurrent loans | 115.2729% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 1,529 |
| Noncurrent loans to loans | 0.8767% | 1,157 |
| Net loans and leases to total assets | 48.3844% | 3,469 |
| Net loans and leases to deposits | 54.7534% | 3,537 |
| Net loans and leases to core deposits | 57.6336% | 3,505 |
| Total domestic deposits to total assets | 88.3679% | 1,847 |
| Equity capital to assets | 9.1049% | 3,509 |
| Core capital (leverage) ratio | 8.6809% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,905,943,200 | 305 |
| Average earning assets | $3,795,617,400 | 295 |
| Average equity | $370,429,600 | 341 |
| Average total loans | $2,021,434,200 | 363 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0024% | 3,997 |
| Cost of funding earning assets | 0.1802% | 3,821 |
| Net interest margin | 2.8222% | 3,730 |
| Noninterest income to average assets | 0.2517% | 3,885 |
| Noninterest expense to average assets | 1.2047% | 4,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7862% | 682 |
| Return on assets (ROA) | 1.7862% | 716 |
| Pretax return on assets | 1.7862% | 1,190 |
| Return on Equity (ROE) | 18.6256% | 556 |
| Retained earnings to average equity (ytd only) | 4.7721% | 3,301 |
| Net charge-offs to loans | -0.0001% | 3,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2784% | 4,713 |
| Assets per employee ($millions) | 17.5866% | 138 |
| Cash dividends to net income (ytd only)* | 74.3785% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,775 |
| Loan loss allowance to noncurrent loans | 5,803.3613% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,186 |
| Noncurrent loans to loans | 0.0176% | 4,073 |
| Net loans and leases to total assets | 49.0287% | 3,522 |
| Net loans and leases to deposits | 55.7165% | 3,609 |
| Net loans and leases to core deposits | 59.0357% | 3,544 |
| Total domestic deposits to total assets | 87.9968% | 1,847 |
| Equity capital to assets | 9.1109% | 3,732 |
| Core capital (leverage) ratio | 8.7450% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,813,636,250 | 314 |
| Average earning assets | $3,701,430,500 | 301 |
| Average equity | $365,725,000 | 345 |
| Average total loans | $2,004,384,500 | 364 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0074% | 4,034 |
| Cost of funding earning assets | 0.1848% | 3,903 |
| Net interest margin | 2.8227% | 3,742 |
| Noninterest income to average assets | 0.2671% | 3,802 |
| Noninterest expense to average assets | 1.2325% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7715% | 762 |
| Return on assets (ROA) | 1.7715% | 800 |
| Pretax return on assets | 1.7715% | 1,295 |
| Return on Equity (ROE) | 18.1393% | 631 |
| Retained earnings to average equity (ytd only) | 2.0320% | 4,103 |
| Net charge-offs to loans | -0.0001% | 3,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0290% | 4,723 |
| Assets per employee ($millions) | 17.1088% | 147 |
| Cash dividends to net income (ytd only)* | 88.7978% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0466% | 3,643 |
| Loan loss allowance to noncurrent loans | 3,596.8750% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,193 |
| Noncurrent loans to loans | 0.0291% | 4,064 |
| Net loans and leases to total assets | 50.4356% | 3,513 |
| Net loans and leases to deposits | 56.9317% | 3,642 |
| Net loans and leases to core deposits | 60.8328% | 3,557 |
| Total domestic deposits to total assets | 88.5896% | 1,517 |
| Equity capital to assets | 9.3708% | 3,449 |
| Core capital (leverage) ratio | 8.8589% | 3,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,718,959,000 | 314 |
| Average earning assets | $3,605,876,667 | 305 |
| Average equity | $363,189,000 | 343 |
| Average total loans | $1,995,929,000 | 367 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0999% | 3,879 |
| Cost of funding earning assets | 0.1911% | 4,000 |
| Net interest margin | 2.9087% | 3,491 |
| Noninterest income to average assets | 0.2847% | 3,699 |
| Noninterest expense to average assets | 1.2724% | 4,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8312% | 742 |
| Return on assets (ROA) | 1.8312% | 797 |
| Pretax return on assets | 1.8312% | 1,232 |
| Return on Equity (ROE) | 18.3542% | 682 |
| Retained earnings to average equity (ytd only) | 5.6756% | 3,010 |
| Net charge-offs to loans | -0.0002% | 3,002 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9980% | 4,713 |
| Assets per employee ($millions) | 16.0134% | 166 |
| Cash dividends to net income (ytd only)* | 69.0774% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,654 |
| Loan loss allowance to noncurrent loans | 3,578.0656% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,264 |
| Noncurrent loans to loans | 0.0293% | 4,141 |
| Net loans and leases to total assets | 53.3072% | 3,307 |
| Net loans and leases to deposits | 60.7416% | 3,436 |
| Net loans and leases to core deposits | 65.4347% | 3,286 |
| Total domestic deposits to total assets | 87.7605% | 1,973 |
| Equity capital to assets | 9.9641% | 2,732 |
| Core capital (leverage) ratio | 9.3415% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,636,593,000 | 323 |
| Average earning assets | $3,524,297,500 | 307 |
| Average equity | $362,817,000 | 341 |
| Average total loans | $2,004,154,000 | 368 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5673% | 3,884 |
| Cost of funding earning assets | 0.3751% | 3,739 |
| Net interest margin | 3.1923% | 3,379 |
| Noninterest income to average assets | 0.3260% | 3,508 |
| Noninterest expense to average assets | 1.3790% | 4,843 |
| Loan and lease loss provision to assets | 0.0603% | 3,616 |
| Net operating income to assets | 1.9768% | 276 |
| Return on assets (ROA) | 1.9797% | 294 |
| Pretax return on assets | 1.9797% | 473 |
| Return on Equity (ROE) | 19.2730% | 265 |
| Retained earnings to average equity (ytd only) | 9.0728% | 756 |
| Net charge-offs to loans | -0.0001% | 3,890 |
| Credit loss provision to net charge-offs | -100,000.0000% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3680% | 4,860 |
| Assets per employee ($millions) | 15.6788% | 157 |
| Cash dividends to net income (ytd only)* | 52.9250% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,802 |
| Loan loss allowance to noncurrent loans | 3,679.7513% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,328 |
| Noncurrent loans to loans | 0.0277% | 4,209 |
| Net loans and leases to total assets | 55.7958% | 3,320 |
| Net loans and leases to deposits | 63.7952% | 3,456 |
| Net loans and leases to core deposits | 68.5305% | 3,371 |
| Total domestic deposits to total assets | 87.4609% | 1,722 |
| Equity capital to assets | 9.9898% | 3,138 |
| Core capital (leverage) ratio | 9.2486% | 3,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,316,619,000 | 320 |
| Average earning assets | $3,210,463,400 | 307 |
| Average equity | $340,677,800 | 341 |
| Average total loans | $2,031,324,200 | 349 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 3,937 |
| Cost of funding earning assets | 0.4257% | 3,664 |
| Net interest margin | 3.2105% | 3,460 |
| Noninterest income to average assets | 0.3056% | 3,662 |
| Noninterest expense to average assets | 1.3533% | 4,887 |
| Loan and lease loss provision to assets | 0.0657% | 3,515 |
| Net operating income to assets | 1.9918% | 302 |
| Return on assets (ROA) | 1.9918% | 327 |
| Pretax return on assets | 1.9918% | 525 |
| Return on Equity (ROE) | 19.2443% | 282 |
| Retained earnings to average equity (ytd only) | 5.4462% | 2,351 |
| Net charge-offs to loans | -0.0001% | 3,763 |
| Credit loss provision to net charge-offs | -80,000.0000% | 4,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6752% | 4,901 |
| Assets per employee ($millions) | 14.8888% | 167 |
| Cash dividends to net income (ytd only)* | 71.6997% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,878 |
| Loan loss allowance to noncurrent loans | 3,922.2008% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0149% | 4,413 |
| Noncurrent loans to loans | 0.0243% | 4,312 |
| Net loans and leases to total assets | 60.8909% | 3,122 |
| Net loans and leases to deposits | 70.9526% | 3,221 |
| Net loans and leases to core deposits | 75.5761% | 3,205 |
| Total domestic deposits to total assets | 85.8192% | 2,143 |
| Equity capital to assets | 9.8888% | 3,346 |
| Core capital (leverage) ratio | 9.0942% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,244,245,500 | 319 |
| Average earning assets | $3,137,830,000 | 307 |
| Average equity | $335,786,500 | 339 |
| Average total loans | $2,030,960,750 | 348 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6692% | 4,147 |
| Cost of funding earning assets | 0.5065% | 3,491 |
| Net interest margin | 3.1627% | 3,757 |
| Noninterest income to average assets | 0.2743% | 3,832 |
| Noninterest expense to average assets | 1.3665% | 4,916 |
| Loan and lease loss provision to assets | 0.0631% | 3,505 |
| Net operating income to assets | 1.9011% | 405 |
| Return on assets (ROA) | 1.9011% | 448 |
| Pretax return on assets | 1.9011% | 671 |
| Return on Equity (ROE) | 18.0733% | 360 |
| Retained earnings to average equity (ytd only) | 3.6746% | 3,078 |
| Net charge-offs to loans | -0.0001% | 3,708 |
| Credit loss provision to net charge-offs | -100,000.0000% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0288% | 4,888 |
| Assets per employee ($millions) | 15.2088% | 161 |
| Cash dividends to net income (ytd only)* | 79.6680% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 3,958 |
| Loan loss allowance to noncurrent loans | 3,784.2610% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,490 |
| Noncurrent loans to loans | 0.0240% | 4,386 |
| Net loans and leases to total assets | 62.4595% | 3,077 |
| Net loans and leases to deposits | 72.6685% | 3,195 |
| Net loans and leases to core deposits | 77.9248% | 3,116 |
| Total domestic deposits to total assets | 85.9512% | 2,029 |
| Equity capital to assets | 9.7597% | 3,415 |
| Core capital (leverage) ratio | 8.8682% | 4,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,169,300,667 | 320 |
| Average earning assets | $3,062,818,667 | 309 |
| Average equity | $333,365,333 | 337 |
| Average total loans | $1,997,057,000 | 348 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 3,939 |
| Cost of funding earning assets | 0.6808% | 3,014 |
| Net interest margin | 3.2665% | 3,674 |
| Noninterest income to average assets | 0.2350% | 4,143 |
| Noninterest expense to average assets | 1.4277% | 4,948 |
| Loan and lease loss provision to assets | 0.0527% | 3,115 |
| Net operating income to assets | 1.9067% | 334 |
| Return on assets (ROA) | 1.9067% | 363 |
| Pretax return on assets | 1.9067% | 564 |
| Return on Equity (ROE) | 17.4158% | 300 |
| Retained earnings to average equity (ytd only) | 7.1847% | 1,477 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1507% | 4,940 |
| Assets per employee ($millions) | 13.1282% | 182 |
| Cash dividends to net income (ytd only)* | 58.7463% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 3,754 |
| Loan loss allowance to noncurrent loans | 3,654.8757% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 4,549 |
| Noncurrent loans to loans | 0.0271% | 4,457 |
| Net loans and leases to total assets | 62.9197% | 3,196 |
| Net loans and leases to deposits | 74.1272% | 3,262 |
| Net loans and leases to core deposits | 80.4756% | 3,156 |
| Total domestic deposits to total assets | 84.8808% | 2,453 |
| Equity capital to assets | 11.0566% | 2,812 |
| Core capital (leverage) ratio | 10.0522% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,035,355,500 | 321 |
| Average earning assets | $2,929,109,000 | 310 |
| Average equity | $332,318,500 | 336 |
| Average total loans | $1,912,301,500 | 348 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 4,199 |
| Cost of funding earning assets | 0.7686% | 2,833 |
| Net interest margin | 3.2564% | 4,070 |
| Noninterest income to average assets | 0.2411% | 4,234 |
| Noninterest expense to average assets | 1.4877% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8864% | 441 |
| Return on assets (ROA) | 1.8864% | 459 |
| Pretax return on assets | 1.8864% | 767 |
| Return on Equity (ROE) | 17.3758% | 382 |
| Retained earnings to average equity (ytd only) | 7.8190% | 1,036 |
| Net charge-offs to loans | -0.0114% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0920% | 4,972 |
| Assets per employee ($millions) | 13.1519% | 176 |
| Cash dividends to net income (ytd only)* | 55.0005% | 1,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9864% | 3,587 |
| Loan loss allowance to noncurrent loans | 3,485.1024% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 4,569 |
| Noncurrent loans to loans | 0.0283% | 4,453 |
| Net loans and leases to total assets | 61.8367% | 3,414 |
| Net loans and leases to deposits | 70.9099% | 3,600 |
| Net loans and leases to core deposits | 76.7414% | 3,532 |
| Total domestic deposits to total assets | 87.2046% | 1,520 |
| Equity capital to assets | 10.8401% | 3,147 |
| Core capital (leverage) ratio | 10.0539% | 3,455 |
| Tier 1 risk-based capital ratio | 13.7578% | 3,386 |
| Total risk-based capital ratio | 14.6207% | 3,481 |
| Memoranda: | ||
| Average total assets | $2,891,492,400 | 322 |
| Average earning assets | $2,781,970,400 | 310 |
| Average equity | $313,914,200 | 334 |
| Average total loans | $1,812,206,200 | 351 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0423% | 4,279 |
| Cost of funding earning assets | 0.7708% | 2,866 |
| Net interest margin | 3.2715% | 4,145 |
| Noninterest income to average assets | 0.2388% | 4,306 |
| Noninterest expense to average assets | 1.4613% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.9226% | 467 |
| Return on assets (ROA) | 1.9226% | 488 |
| Pretax return on assets | 1.9226% | 821 |
| Return on Equity (ROE) | 17.7024% | 420 |
| Retained earnings to average equity (ytd only) | 4.8020% | 2,989 |
| Net charge-offs to loans | -0.0151% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1834% | 5,041 |
| Assets per employee ($millions) | 13.3912% | 157 |
| Cash dividends to net income (ytd only)* | 72.8739% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0334% | 3,378 |
| Loan loss allowance to noncurrent loans | 3,478.0669% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 4,655 |
| Noncurrent loans to loans | 0.0297% | 4,533 |
| Net loans and leases to total assets | 60.5537% | 3,629 |
| Net loans and leases to deposits | 69.1781% | 3,824 |
| Net loans and leases to core deposits | 75.0304% | 3,762 |
| Total domestic deposits to total assets | 87.5331% | 1,241 |
| Equity capital to assets | 10.6761% | 3,399 |
| Core capital (leverage) ratio | 10.0553% | 3,586 |
| Tier 1 risk-based capital ratio | 13.9309% | 3,363 |
| Total risk-based capital ratio | 14.8455% | 3,439 |
| Memoranda: | ||
| Average total assets | $2,854,841,000 | 330 |
| Average earning assets | $2,744,551,000 | 314 |
| Average equity | $310,059,250 | 340 |
| Average total loans | $1,790,913,750 | 357 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 4,245 |
| Cost of funding earning assets | 0.7485% | 2,900 |
| Net interest margin | 3.3166% | 4,102 |
| Noninterest income to average assets | 0.2246% | 4,401 |
| Noninterest expense to average assets | 1.4799% | 5,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9338% | 440 |
| Return on assets (ROA) | 1.9338% | 467 |
| Pretax return on assets | 1.9338% | 783 |
| Return on Equity (ROE) | 17.6998% | 397 |
| Retained earnings to average equity (ytd only) | 2.9316% | 3,751 |
| Net charge-offs to loans | -0.0225% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3516% | 5,085 |
| Assets per employee ($millions) | 12.1561% | 199 |
| Cash dividends to net income (ytd only)* | 83.4372% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0468% | 3,353 |
| Loan loss allowance to noncurrent loans | 3,198.2906% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 4,677 |
| Noncurrent loans to loans | 0.0327% | 4,556 |
| Net loans and leases to total assets | 62.7142% | 3,475 |
| Net loans and leases to deposits | 71.8937% | 3,694 |
| Net loans and leases to core deposits | 78.4964% | 3,540 |
| Total domestic deposits to total assets | 87.2318% | 1,477 |
| Equity capital to assets | 10.9675% | 3,101 |
| Core capital (leverage) ratio | 10.0841% | 3,510 |
| Tier 1 risk-based capital ratio | 13.8207% | 3,414 |
| Total risk-based capital ratio | 14.7545% | 3,481 |
| Memoranda: | ||
| Average total assets | $2,819,966,000 | 334 |
| Average earning assets | $2,711,472,000 | 319 |
| Average equity | $308,093,670 | 342 |
| Average total loans | $1,784,292,000 | 359 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0356% | 4,289 |
| Cost of funding earning assets | 0.7138% | 2,983 |
| Net interest margin | 3.3218% | 4,108 |
| Noninterest income to average assets | 0.2089% | 4,498 |
| Noninterest expense to average assets | 1.4673% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9359% | 432 |
| Return on assets (ROA) | 1.9359% | 445 |
| Pretax return on assets | 1.9359% | 729 |
| Return on Equity (ROE) | 17.7529% | 423 |
| Retained earnings to average equity (ytd only) | 7.0208% | 2,033 |
| Net charge-offs to loans | -0.0079% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1162% | 5,128 |
| Assets per employee ($millions) | 12.2712% | 194 |
| Cash dividends to net income (ytd only)* | 60.4528% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0435% | 3,439 |
| Loan loss allowance to noncurrent loans | 3,106.1977% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,735 |
| Noncurrent loans to loans | 0.0336% | 4,621 |
| Net loans and leases to total assets | 62.3093% | 3,475 |
| Net loans and leases to deposits | 71.4188% | 3,650 |
| Net loans and leases to core deposits | 77.2810% | 3,576 |
| Total domestic deposits to total assets | 87.2449% | 1,692 |
| Equity capital to assets | 10.9902% | 2,862 |
| Core capital (leverage) ratio | 10.0984% | 3,494 |
| Tier 1 risk-based capital ratio | 13.9470% | 3,365 |
| Total risk-based capital ratio | 14.8785% | 3,448 |
| Memoranda: | ||
| Average total assets | $2,819,841,000 | 338 |
| Average earning assets | $2,711,573,500 | 322 |
| Average equity | $307,487,500 | 343 |
| Average total loans | $1,782,745,000 | 361 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9274% | 4,219 |
| Cost of funding earning assets | 0.4762% | 3,507 |
| Net interest margin | 3.4512% | 3,855 |
| Noninterest income to average assets | 0.2447% | 4,455 |
| Noninterest expense to average assets | 1.5167% | 5,213 |
| Loan and lease loss provision to assets | 0.0242% | 3,683 |
| Net operating income to assets | 2.0194% | 347 |
| Return on assets (ROA) | 2.0194% | 343 |
| Pretax return on assets | 2.0194% | 538 |
| Return on Equity (ROE) | 18.7569% | 321 |
| Retained earnings to average equity (ytd only) | 8.8834% | 910 |
| Net charge-offs to loans | -0.0073% | 4,422 |
| Credit loss provision to net charge-offs | -500.0000% | 4,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6003% | 5,225 |
| Assets per employee ($millions) | 12.1961% | 190 |
| Cash dividends to net income (ytd only)* | 52.6394% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,470 |
| Loan loss allowance to noncurrent loans | 2,655.5237% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,728 |
| Noncurrent loans to loans | 0.0390% | 4,585 |
| Net loans and leases to total assets | 62.8201% | 3,482 |
| Net loans and leases to deposits | 71.8538% | 3,684 |
| Net loans and leases to core deposits | 77.8383% | 3,593 |
| Total domestic deposits to total assets | 87.4276% | 1,574 |
| Equity capital to assets | 10.8185% | 2,874 |
| Core capital (leverage) ratio | 9.8746% | 3,721 |
| Tier 1 risk-based capital ratio | 13.7803% | 3,397 |
| Total risk-based capital ratio | 14.7168% | 3,471 |
| Memoranda: | ||
| Average total assets | $2,681,124,000 | 345 |
| Average earning assets | $2,575,791,000 | 332 |
| Average equity | $288,651,800 | 350 |
| Average total loans | $1,772,651,200 | 359 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 4,279 |
| Cost of funding earning assets | 0.4199% | 3,725 |
| Net interest margin | 3.4514% | 3,860 |
| Noninterest income to average assets | 0.2460% | 4,506 |
| Noninterest expense to average assets | 1.4904% | 5,284 |
| Loan and lease loss provision to assets | 0.0252% | 3,510 |
| Net operating income to assets | 2.0460% | 340 |
| Return on assets (ROA) | 2.0460% | 340 |
| Pretax return on assets | 2.0460% | 556 |
| Return on Equity (ROE) | 19.0290% | 337 |
| Retained earnings to average equity (ytd only) | 5.6781% | 2,836 |
| Net charge-offs to loans | -0.0074% | 4,316 |
| Credit loss provision to net charge-offs | -510.2041% | 4,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8464% | 5,274 |
| Assets per employee ($millions) | 12.0138% | 197 |
| Cash dividends to net income (ytd only)* | 70.1608% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0048% | 3,724 |
| Loan loss allowance to noncurrent loans | 2,606.9701% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0279% | 4,848 |
| Noncurrent loans to loans | 0.0385% | 4,724 |
| Net loans and leases to total assets | 65.6286% | 3,224 |
| Net loans and leases to deposits | 75.0039% | 3,508 |
| Net loans and leases to core deposits | 80.6119% | 3,446 |
| Total domestic deposits to total assets | 87.5003% | 1,486 |
| Equity capital to assets | 10.5871% | 3,056 |
| Core capital (leverage) ratio | 9.9234% | 3,714 |
| Tier 1 risk-based capital ratio | 13.0890% | 3,853 |
| Total risk-based capital ratio | 14.0178% | 3,943 |
| Memoranda: | ||
| Average total assets | $2,647,080,750 | 346 |
| Average earning assets | $2,542,982,500 | 336 |
| Average equity | $284,617,500 | 350 |
| Average total loans | $1,768,729,500 | 358 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8454% | 4,229 |
| Cost of funding earning assets | 0.3727% | 3,918 |
| Net interest margin | 3.4728% | 3,724 |
| Noninterest income to average assets | 0.2655% | 4,411 |
| Noninterest expense to average assets | 1.5102% | 5,335 |
| Loan and lease loss provision to assets | 0.0345% | 3,226 |
| Net operating income to assets | 2.0538% | 336 |
| Return on assets (ROA) | 2.0538% | 334 |
| Pretax return on assets | 2.0538% | 538 |
| Return on Equity (ROE) | 18.9992% | 331 |
| Retained earnings to average equity (ytd only) | 3.5956% | 3,799 |
| Net charge-offs to loans | -0.0075% | 4,217 |
| Credit loss provision to net charge-offs | -681.8182% | 4,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9675% | 5,349 |
| Assets per employee ($millions) | 11.3129% | 220 |
| Cash dividends to net income (ytd only)* | 81.0750% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,751 |
| Loan loss allowance to noncurrent loans | 2,900.6359% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0265% | 4,893 |
| Noncurrent loans to loans | 0.0349% | 4,758 |
| Net loans and leases to total assets | 68.2102% | 2,833 |
| Net loans and leases to deposits | 78.1071% | 3,149 |
| Net loans and leases to core deposits | 83.5487% | 3,116 |
| Total domestic deposits to total assets | 87.3290% | 1,712 |
| Equity capital to assets | 10.8761% | 2,756 |
| Core capital (leverage) ratio | 9.8594% | 3,727 |
| Tier 1 risk-based capital ratio | 12.7547% | 4,035 |
| Total risk-based capital ratio | 13.6820% | 4,120 |
| Memoranda: | ||
| Average total assets | $2,612,390,330 | 350 |
| Average earning assets | $2,507,231,670 | 338 |
| Average equity | $282,400,670 | 349 |
| Average total loans | $1,750,349,330 | 361 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 4,295 |
| Cost of funding earning assets | 0.3456% | 4,025 |
| Net interest margin | 3.4263% | 3,792 |
| Noninterest income to average assets | 0.2721% | 4,349 |
| Noninterest expense to average assets | 1.5129% | 5,381 |
| Loan and lease loss provision to assets | 0.0689% | 2,385 |
| Net operating income to assets | 1.9807% | 391 |
| Return on assets (ROA) | 1.9807% | 392 |
| Pretax return on assets | 1.9807% | 591 |
| Return on Equity (ROE) | 18.3794% | 372 |
| Retained earnings to average equity (ytd only) | 6.6560% | 2,427 |
| Net charge-offs to loans | -0.0077% | 4,149 |
| Credit loss provision to net charge-offs | -1,363.6364% | 4,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4666% | 5,389 |
| Assets per employee ($millions) | 12.0055% | 197 |
| Cash dividends to net income (ytd only)* | 63.7854% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 3,755 |
| Loan loss allowance to noncurrent loans | 2,863.5220% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 4,981 |
| Noncurrent loans to loans | 0.0362% | 4,809 |
| Net loans and leases to total assets | 66.5033% | 2,967 |
| Net loans and leases to deposits | 75.8453% | 3,227 |
| Net loans and leases to core deposits | 81.7802% | 3,159 |
| Total domestic deposits to total assets | 87.6828% | 1,795 |
| Equity capital to assets | 10.8448% | 2,727 |
| Core capital (leverage) ratio | 9.9885% | 3,552 |
| Tier 1 risk-based capital ratio | 13.0121% | 3,938 |
| Total risk-based capital ratio | 13.9576% | 4,012 |
| Memoranda: | ||
| Average total assets | $2,611,946,500 | 354 |
| Average earning assets | $2,508,356,000 | 339 |
| Average equity | $281,489,000 | 351 |
| Average total loans | $1,725,141,000 | 368 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 4,230 |
| Cost of funding earning assets | 0.2537% | 4,530 |
| Net interest margin | 3.4913% | 3,557 |
| Noninterest income to average assets | 0.2925% | 4,366 |
| Noninterest expense to average assets | 1.5999% | 5,417 |
| Loan and lease loss provision to assets | 0.0377% | 3,514 |
| Net operating income to assets | 1.9989% | 286 |
| Return on assets (ROA) | 1.9989% | 288 |
| Pretax return on assets | 1.9989% | 493 |
| Return on Equity (ROE) | 18.5569% | 267 |
| Retained earnings to average equity (ytd only) | 8.8339% | 538 |
| Net charge-offs to loans | -0.0085% | 4,748 |
| Credit loss provision to net charge-offs | -656.0284% | 4,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9956% | 5,451 |
| Assets per employee ($millions) | 11.5853% | 209 |
| Cash dividends to net income (ytd only)* | 52.3955% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,638 |
| Loan loss allowance to noncurrent loans | 2,525.4986% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 5,000 |
| Noncurrent loans to loans | 0.0415% | 4,816 |
| Net loans and leases to total assets | 64.2123% | 3,346 |
| Net loans and leases to deposits | 73.1194% | 3,585 |
| Net loans and leases to core deposits | 78.6338% | 3,536 |
| Total domestic deposits to total assets | 87.8184% | 1,598 |
| Equity capital to assets | 10.7089% | 2,933 |
| Core capital (leverage) ratio | 9.9913% | 3,468 |
| Tier 1 risk-based capital ratio | 13.1379% | 3,824 |
| Total risk-based capital ratio | 14.0848% | 3,909 |
| Memoranda: | ||
| Average total assets | $2,453,857,600 | 350 |
| Average earning assets | $2,350,271,200 | 340 |
| Average equity | $264,322,400 | 353 |
| Average total loans | $1,650,920,000 | 365 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 4,230 |
| Cost of funding earning assets | 0.2416% | 4,649 |
| Net interest margin | 3.4926% | 3,529 |
| Noninterest income to average assets | 0.2985% | 4,395 |
| Noninterest expense to average assets | 1.5918% | 5,456 |
| Loan and lease loss provision to assets | 0.0442% | 3,218 |
| Net operating income to assets | 2.0066% | 313 |
| Return on assets (ROA) | 2.0066% | 318 |
| Pretax return on assets | 2.0066% | 537 |
| Return on Equity (ROE) | 18.5996% | 295 |
| Retained earnings to average equity (ytd only) | 5.4516% | 2,567 |
| Net charge-offs to loans | -0.0088% | 4,596 |
| Credit loss provision to net charge-offs | -740.7407% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6996% | 5,492 |
| Assets per employee ($millions) | 11.0282% | 232 |
| Cash dividends to net income (ytd only)* | 70.6899% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0584% | 3,742 |
| Loan loss allowance to noncurrent loans | 2,474.7887% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 5,078 |
| Noncurrent loans to loans | 0.0428% | 4,919 |
| Net loans and leases to total assets | 66.4957% | 3,043 |
| Net loans and leases to deposits | 76.1738% | 3,355 |
| Net loans and leases to core deposits | 82.0018% | 3,282 |
| Total domestic deposits to total assets | 87.2947% | 1,733 |
| Equity capital to assets | 10.7862% | 3,082 |
| Core capital (leverage) ratio | 9.7250% | 3,906 |
| Tier 1 risk-based capital ratio | 12.8690% | 4,102 |
| Total risk-based capital ratio | 13.8411% | 4,169 |
| Memoranda: | ||
| Average total assets | $2,415,649,750 | 353 |
| Average earning assets | $2,312,948,500 | 343 |
| Average equity | $260,616,250 | 359 |
| Average total loans | $1,640,764,000 | 367 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 4,189 |
| Cost of funding earning assets | 0.2307% | 4,711 |
| Net interest margin | 3.4809% | 3,470 |
| Noninterest income to average assets | 0.3056% | 4,350 |
| Noninterest expense to average assets | 1.6147% | 5,483 |
| Loan and lease loss provision to assets | 0.0667% | 2,635 |
| Net operating income to assets | 1.9546% | 333 |
| Return on assets (ROA) | 1.9546% | 341 |
| Pretax return on assets | 1.9546% | 583 |
| Return on Equity (ROE) | 18.1157% | 324 |
| Retained earnings to average equity (ytd only) | 3.4639% | 3,647 |
| Net charge-offs to loans | -0.0078% | 4,456 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4088% | 5,512 |
| Assets per employee ($millions) | 10.6171% | 258 |
| Cash dividends to net income (ytd only)* | 80.8792% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,888 |
| Loan loss allowance to noncurrent loans | 2,458.2048% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,113 |
| Noncurrent loans to loans | 0.0424% | 4,985 |
| Net loans and leases to total assets | 69.0037% | 2,670 |
| Net loans and leases to deposits | 78.5665% | 3,060 |
| Net loans and leases to core deposits | 84.3727% | 3,029 |
| Total domestic deposits to total assets | 87.8284% | 1,544 |
| Equity capital to assets | 10.7995% | 3,036 |
| Core capital (leverage) ratio | 9.6720% | 3,933 |
| Tier 1 risk-based capital ratio | 12.4693% | 4,322 |
| Total risk-based capital ratio | 13.4365% | 4,381 |
| Memoranda: | ||
| Average total assets | $2,397,430,000 | 358 |
| Average earning assets | $2,293,818,330 | 351 |
| Average equity | $258,670,670 | 363 |
| Average total loans | $1,634,278,330 | 370 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 4,340 |
| Cost of funding earning assets | 0.2221% | 4,783 |
| Net interest margin | 3.4059% | 3,636 |
| Noninterest income to average assets | 0.2762% | 4,569 |
| Noninterest expense to average assets | 1.6225% | 5,538 |
| Loan and lease loss provision to assets | 0.0586% | 2,635 |
| Net operating income to assets | 1.8555% | 403 |
| Return on assets (ROA) | 1.8555% | 418 |
| Pretax return on assets | 1.8555% | 712 |
| Return on Equity (ROE) | 17.2057% | 396 |
| Retained earnings to average equity (ytd only) | 6.4250% | 2,124 |
| Net charge-offs to loans | -0.0077% | 4,324 |
| Credit loss provision to net charge-offs | -1,129.0323% | 4,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8777% | 5,537 |
| Assets per employee ($millions) | 10.5874% | 255 |
| Cash dividends to net income (ytd only)* | 62.6578% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 4,014 |
| Loan loss allowance to noncurrent loans | 1,393.6222% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0622% | 5,033 |
| Noncurrent loans to loans | 0.0748% | 4,903 |
| Net loans and leases to total assets | 67.2885% | 2,775 |
| Net loans and leases to deposits | 76.6897% | 3,112 |
| Net loans and leases to core deposits | 82.1222% | 3,081 |
| Total domestic deposits to total assets | 87.7413% | 1,871 |
| Equity capital to assets | 10.8158% | 2,839 |
| Core capital (leverage) ratio | 9.8585% | 3,683 |
| Tier 1 risk-based capital ratio | 12.7504% | 4,224 |
| Total risk-based capital ratio | 13.7136% | 4,312 |
| Memoranda: | ||
| Average total assets | $2,391,108,500 | 364 |
| Average earning assets | $2,288,974,500 | 354 |
| Average equity | $257,868,000 | 365 |
| Average total loans | $1,611,134,000 | 372 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6574% | 4,344 |
| Cost of funding earning assets | 0.2506% | 4,559 |
| Net interest margin | 3.4068% | 3,804 |
| Noninterest income to average assets | 0.3272% | 4,398 |
| Noninterest expense to average assets | 1.6425% | 5,611 |
| Loan and lease loss provision to assets | 0.0281% | 3,794 |
| Net operating income to assets | 1.9143% | 371 |
| Return on assets (ROA) | 1.9143% | 385 |
| Pretax return on assets | 1.9143% | 601 |
| Return on Equity (ROE) | 18.2646% | 312 |
| Retained earnings to average equity (ytd only) | 9.0917% | 573 |
| Net charge-offs to loans | -0.0137% | 5,023 |
| Credit loss provision to net charge-offs | -300.9259% | 5,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8176% | 5,647 |
| Assets per employee ($millions) | 10.5260% | 262 |
| Cash dividends to net income (ytd only)* | 50.2223% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 4,017 |
| Loan loss allowance to noncurrent loans | 15,572.8972% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,331 |
| Noncurrent loans to loans | 0.0067% | 5,280 |
| Net loans and leases to total assets | 66.0560% | 3,068 |
| Net loans and leases to deposits | 75.1821% | 3,394 |
| Net loans and leases to core deposits | 81.4661% | 3,257 |
| Total domestic deposits to total assets | 87.8613% | 1,702 |
| Equity capital to assets | 10.7528% | 2,866 |
| Core capital (leverage) ratio | 9.6105% | 3,951 |
| Tier 1 risk-based capital ratio | 12.8998% | 4,132 |
| Total risk-based capital ratio | 13.8711% | 4,202 |
| Memoranda: | ||
| Average total assets | $2,314,276,400 | 359 |
| Average earning assets | $2,212,995,400 | 344 |
| Average equity | $242,561,600 | 372 |
| Average total loans | $1,578,356,600 | 361 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 4,328 |
| Cost of funding earning assets | 0.2549% | 4,561 |
| Net interest margin | 3.4213% | 3,767 |
| Noninterest income to average assets | 0.3331% | 4,403 |
| Noninterest expense to average assets | 1.6235% | 5,670 |
| Loan and lease loss provision to assets | 0.0377% | 3,489 |
| Net operating income to assets | 1.9436% | 373 |
| Return on assets (ROA) | 1.9436% | 395 |
| Pretax return on assets | 1.9436% | 644 |
| Return on Equity (ROE) | 18.6688% | 319 |
| Retained earnings to average equity (ytd only) | 6.2694% | 2,026 |
| Net charge-offs to loans | -0.0163% | 4,945 |
| Credit loss provision to net charge-offs | -336.7876% | 4,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0381% | 5,709 |
| Assets per employee ($millions) | 10.5911% | 242 |
| Cash dividends to net income (ytd only)* | 66.4179% | 1,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 4,123 |
| Loan loss allowance to noncurrent loans | 14,469.5652% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,452 |
| Noncurrent loans to loans | 0.0073% | 5,385 |
| Net loans and leases to total assets | 66.3990% | 3,055 |
| Net loans and leases to deposits | 75.5896% | 3,446 |
| Net loans and leases to core deposits | 82.8246% | 3,224 |
| Total domestic deposits to total assets | 87.8415% | 1,481 |
| Equity capital to assets | 10.3732% | 3,718 |
| Core capital (leverage) ratio | 9.0663% | 4,759 |
| Tier 1 risk-based capital ratio | 12.3333% | 4,583 |
| Total risk-based capital ratio | 13.3112% | 4,655 |
| Memoranda: | ||
| Average total assets | $2,298,123,750 | 361 |
| Average earning assets | $2,197,614,000 | 345 |
| Average equity | $239,252,750 | 375 |
| Average total loans | $1,575,930,750 | 357 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6798% | 4,360 |
| Cost of funding earning assets | 0.2546% | 4,614 |
| Net interest margin | 3.4252% | 3,775 |
| Noninterest income to average assets | 0.3302% | 4,417 |
| Noninterest expense to average assets | 1.6215% | 5,746 |
| Loan and lease loss provision to assets | 0.0483% | 3,183 |
| Net operating income to assets | 1.9356% | 374 |
| Return on assets (ROA) | 1.9356% | 392 |
| Pretax return on assets | 1.9356% | 652 |
| Return on Equity (ROE) | 18.5692% | 320 |
| Retained earnings to average equity (ytd only) | 4.6651% | 2,940 |
| Net charge-offs to loans | -0.0454% | 5,324 |
| Credit loss provision to net charge-offs | -154.0616% | 4,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9739% | 5,794 |
| Assets per employee ($millions) | 10.5773% | 231 |
| Cash dividends to net income (ytd only)* | 74.8775% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 4,335 |
| Loan loss allowance to noncurrent loans | 5,458.8235% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 5,493 |
| Noncurrent loans to loans | 0.0189% | 5,401 |
| Net loans and leases to total assets | 67.8640% | 2,797 |
| Net loans and leases to deposits | 77.2463% | 3,237 |
| Net loans and leases to core deposits | 84.4919% | 3,037 |
| Total domestic deposits to total assets | 87.8542% | 1,504 |
| Equity capital to assets | 10.1444% | 4,032 |
| Core capital (leverage) ratio | 9.2076% | 4,582 |
| Tier 1 risk-based capital ratio | 11.7978% | 4,975 |
| Total risk-based capital ratio | 12.7583% | 5,034 |
| Memoranda: | ||
| Average total assets | $2,276,896,670 | 364 |
| Average earning assets | $2,177,244,000 | 348 |
| Average equity | $237,339,000 | 378 |
| Average total loans | $1,572,955,670 | 360 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7100% | 4,283 |
| Cost of funding earning assets | 0.2560% | 4,642 |
| Net interest margin | 3.4541% | 3,649 |
| Noninterest income to average assets | 0.3193% | 4,444 |
| Noninterest expense to average assets | 1.6428% | 5,801 |
| Loan and lease loss provision to assets | 0.0537% | 2,866 |
| Net operating income to assets | 1.9229% | 380 |
| Return on assets (ROA) | 1.9229% | 406 |
| Pretax return on assets | 1.9229% | 660 |
| Return on Equity (ROE) | 18.1902% | 340 |
| Retained earnings to average equity (ytd only) | 8.8827% | 1,151 |
| Net charge-offs to loans | -0.0846% | 5,570 |
| Credit loss provision to net charge-offs | -91.4634% | 4,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3885% | 5,834 |
| Assets per employee ($millions) | 10.1174% | 261 |
| Cash dividends to net income (ytd only)* | 51.1676% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 4,321 |
| Loan loss allowance to noncurrent loans | 5,281.3505% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0253% | 5,539 |
| Noncurrent loans to loans | 0.0199% | 5,424 |
| Net loans and leases to total assets | 67.7769% | 2,678 |
| Net loans and leases to deposits | 77.5471% | 3,050 |
| Net loans and leases to core deposits | 85.0419% | 2,841 |
| Total domestic deposits to total assets | 87.4009% | 1,993 |
| Equity capital to assets | 10.4986% | 3,500 |
| Core capital (leverage) ratio | 9.5858% | 4,052 |
| Tier 1 risk-based capital ratio | 12.2337% | 4,765 |
| Total risk-based capital ratio | 13.2151% | 4,851 |
| Memoranda: | ||
| Average total assets | $2,235,974,500 | 363 |
| Average earning assets | $2,136,257,500 | 354 |
| Average equity | $236,368,500 | 378 |
| Average total loans | $1,550,713,000 | 363 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 3,929 |
| Cost of funding earning assets | 0.2360% | 4,936 |
| Net interest margin | 3.6000% | 3,138 |
| Noninterest income to average assets | 0.3733% | 4,240 |
| Noninterest expense to average assets | 1.7664% | 5,782 |
| Loan and lease loss provision to assets | 0.0643% | 3,006 |
| Net operating income to assets | 1.9644% | 368 |
| Return on assets (ROA) | 1.9651% | 375 |
| Pretax return on assets | 1.9651% | 577 |
| Return on Equity (ROE) | 17.8570% | 391 |
| Retained earnings to average equity (ytd only) | 8.1892% | 857 |
| Net charge-offs to loans | 0.0122% | 4,056 |
| Credit loss provision to net charge-offs | 747.1264% | 448 |
| Earnings coverage of net charge-offs (x) | 235.6207% | 297 |
| Efficiency ratio | 46.5441% | 5,898 |
| Assets per employee ($millions) | 9.7579% | 293 |
| Cash dividends to net income (ytd only)* | 54.1398% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0244% | 4,470 |
| Loan loss allowance to noncurrent loans | 842.0576% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 5,202 |
| Noncurrent loans to loans | 0.1217% | 5,008 |
| Net loans and leases to total assets | 69.5193% | 2,447 |
| Net loans and leases to deposits | 79.2372% | 2,916 |
| Net loans and leases to core deposits | 85.2843% | 2,850 |
| Total domestic deposits to total assets | 87.7358% | 1,778 |
| Equity capital to assets | 10.6464% | 3,191 |
| Core capital (leverage) ratio | 9.4797% | 4,205 |
| Tier 1 risk-based capital ratio | 11.7899% | 5,077 |
| Total risk-based capital ratio | 12.7256% | 5,175 |
| Memoranda: | ||
| Average total assets | $2,020,901,400 | 378 |
| Average earning assets | $1,920,844,400 | 367 |
| Average equity | $222,389,400 | 382 |
| Average total loans | $1,425,153,000 | 366 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 4,001 |
| Cost of funding earning assets | 0.2306% | 5,086 |
| Net interest margin | 3.5991% | 3,164 |
| Noninterest income to average assets | 0.3966% | 4,110 |
| Noninterest expense to average assets | 1.7432% | 5,859 |
| Loan and lease loss provision to assets | 0.0472% | 3,258 |
| Net operating income to assets | 2.0230% | 352 |
| Return on assets (ROA) | 2.0239% | 370 |
| Pretax return on assets | 2.0239% | 574 |
| Return on Equity (ROE) | 18.2271% | 388 |
| Retained earnings to average equity (ytd only) | 5.1704% | 2,796 |
| Net charge-offs to loans | -0.0077% | 4,912 |
| Credit loss provision to net charge-offs | -864.1975% | 5,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7127% | 5,974 |
| Assets per employee ($millions) | 9.4989% | 321 |
| Cash dividends to net income (ytd only)* | 71.6332% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0710% | 4,381 |
| Loan loss allowance to noncurrent loans | 730.8893% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 5,292 |
| Noncurrent loans to loans | 0.1465% | 5,056 |
| Net loans and leases to total assets | 66.4819% | 2,936 |
| Net loans and leases to deposits | 75.8388% | 3,321 |
| Net loans and leases to core deposits | 81.9585% | 3,256 |
| Total domestic deposits to total assets | 87.6621% | 1,721 |
| Equity capital to assets | 10.4365% | 3,664 |
| Core capital (leverage) ratio | 9.4013% | 4,443 |
| Tier 1 risk-based capital ratio | 12.1351% | 5,004 |
| Total risk-based capital ratio | 13.1177% | 5,081 |
| Memoranda: | ||
| Average total assets | $1,977,245,000 | 386 |
| Average earning assets | $1,877,111,500 | 375 |
| Average equity | $219,550,750 | 393 |
| Average total loans | $1,395,913,000 | 376 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 3,719 |
| Cost of funding earning assets | 0.2232% | 5,220 |
| Net interest margin | 3.6698% | 2,837 |
| Noninterest income to average assets | 0.4144% | 3,970 |
| Noninterest expense to average assets | 1.7732% | 5,886 |
| Loan and lease loss provision to assets | 0.0521% | 3,077 |
| Net operating income to assets | 2.0645% | 324 |
| Return on assets (ROA) | 2.0645% | 340 |
| Pretax return on assets | 2.0645% | 525 |
| Return on Equity (ROE) | 18.1855% | 404 |
| Retained earnings to average equity (ytd only) | 3.2809% | 3,964 |
| Net charge-offs to loans | -0.0088% | 4,888 |
| Credit loss provision to net charge-offs | -819.6721% | 5,312 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5857% | 6,056 |
| Assets per employee ($millions) | 9.1135% | 356 |
| Cash dividends to net income (ytd only)* | 81.9589% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 4,464 |
| Loan loss allowance to noncurrent loans | 717.4753% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.1234% | 5,374 |
| Noncurrent loans to loans | 0.1498% | 5,151 |
| Net loans and leases to total assets | 70.2588% | 2,279 |
| Net loans and leases to deposits | 80.2499% | 2,754 |
| Net loans and leases to core deposits | 87.3608% | 2,621 |
| Total domestic deposits to total assets | 87.5500% | 1,881 |
| Equity capital to assets | 10.9785% | 2,906 |
| Core capital (leverage) ratio | 9.7783% | 3,897 |
| Tier 1 risk-based capital ratio | 12.1437% | 5,044 |
| Total risk-based capital ratio | 13.1394% | 5,121 |
| Memoranda: | ||
| Average total assets | $1,920,740,330 | 398 |
| Average earning assets | $1,818,935,330 | 386 |
| Average equity | $218,052,330 | 395 |
| Average total loans | $1,380,331,670 | 377 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 3,388 |
| Cost of funding earning assets | 0.2161% | 5,352 |
| Net interest margin | 3.7422% | 2,458 |
| Noninterest income to average assets | 0.3919% | 4,068 |
| Noninterest expense to average assets | 1.8101% | 5,884 |
| Loan and lease loss provision to assets | 0.0637% | 2,652 |
| Net operating income to assets | 2.0633% | 301 |
| Return on assets (ROA) | 2.0633% | 319 |
| Pretax return on assets | 2.0633% | 525 |
| Return on Equity (ROE) | 17.8631% | 394 |
| Retained earnings to average equity (ytd only) | 7.2894% | 1,866 |
| Net charge-offs to loans | -0.0094% | 4,691 |
| Credit loss provision to net charge-offs | -937.5000% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9754% | 6,103 |
| Assets per employee ($millions) | 8.7758% | 394 |
| Cash dividends to net income (ytd only)* | 59.1929% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 4,608 |
| Loan loss allowance to noncurrent loans | 698.4637% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 5,303 |
| Noncurrent loans to loans | 0.1549% | 5,220 |
| Net loans and leases to total assets | 71.6812% | 1,862 |
| Net loans and leases to deposits | 81.8932% | 2,345 |
| Net loans and leases to core deposits | 88.5144% | 2,275 |
| Total domestic deposits to total assets | 87.5301% | 2,090 |
| Equity capital to assets | 11.4735% | 2,484 |
| Core capital (leverage) ratio | 10.2801% | 3,239 |
| Tier 1 risk-based capital ratio | 12.3644% | 4,999 |
| Total risk-based capital ratio | 13.3628% | 5,076 |
| Memoranda: | ||
| Average total assets | $1,883,180,000 | 404 |
| Average earning assets | $1,784,092,500 | 387 |
| Average equity | $217,520,500 | 395 |
| Average total loans | $1,361,747,500 | 376 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0666% | 3,451 |
| Cost of funding earning assets | 0.1989% | 5,757 |
| Net interest margin | 3.8677% | 2,368 |
| Noninterest income to average assets | 0.3695% | 4,435 |
| Noninterest expense to average assets | 1.9880% | 5,786 |
| Loan and lease loss provision to assets | 0.0383% | 3,814 |
| Net operating income to assets | 1.9799% | 337 |
| Return on assets (ROA) | 1.9805% | 348 |
| Pretax return on assets | 1.9805% | 531 |
| Return on Equity (ROE) | 16.3262% | 576 |
| Retained earnings to average equity (ytd only) | 7.1004% | 1,353 |
| Net charge-offs to loans | 0.0108% | 4,692 |
| Credit loss provision to net charge-offs | 511.8110% | 511 |
| Earnings coverage of net charge-offs (x) | 269.7874% | 199 |
| Efficiency ratio | 49.6229% | 6,111 |
| Assets per employee ($millions) | 8.4238% | 453 |
| Cash dividends to net income (ytd only)* | 56.5089% | 1,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 4,553 |
| Loan loss allowance to noncurrent loans | 679.5276% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 5,346 |
| Noncurrent loans to loans | 0.1615% | 5,248 |
| Net loans and leases to total assets | 71.3601% | 2,022 |
| Net loans and leases to deposits | 81.7089% | 2,510 |
| Net loans and leases to core deposits | 87.9594% | 2,505 |
| Total domestic deposits to total assets | 87.3345% | 2,110 |
| Equity capital to assets | 11.6304% | 2,318 |
| Core capital (leverage) ratio | 10.2161% | 3,292 |
| Tier 1 risk-based capital ratio | 13.0887% | 4,663 |
| Total risk-based capital ratio | 14.1445% | 4,711 |
| Memoranda: | ||
| Average total assets | $1,697,678,000 | 421 |
| Average earning assets | $1,596,286,000 | 406 |
| Average equity | $205,945,000 | 393 |
| Average total loans | $1,178,797,200 | 400 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 3,573 |
| Cost of funding earning assets | 0.1937% | 5,883 |
| Net interest margin | 3.8535% | 2,421 |
| Noninterest income to average assets | 0.3795% | 4,402 |
| Noninterest expense to average assets | 1.9604% | 5,842 |
| Loan and lease loss provision to assets | 0.0281% | 3,844 |
| Net operating income to assets | 2.0078% | 340 |
| Return on assets (ROA) | 2.0086% | 352 |
| Pretax return on assets | 2.0086% | 554 |
| Return on Equity (ROE) | 16.3686% | 631 |
| Retained earnings to average equity (ytd only) | 3.9230% | 3,852 |
| Net charge-offs to loans | -0.0073% | 5,360 |
| Credit loss provision to net charge-offs | -564.5161% | 5,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0547% | 6,152 |
| Assets per employee ($millions) | 8.2702% | 458 |
| Cash dividends to net income (ytd only)* | 76.0335% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 4,586 |
| Loan loss allowance to noncurrent loans | 524.4957% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 5,373 |
| Noncurrent loans to loans | 0.2163% | 5,254 |
| Net loans and leases to total assets | 71.0346% | 2,019 |
| Net loans and leases to deposits | 81.2934% | 2,517 |
| Net loans and leases to core deposits | 87.0047% | 2,547 |
| Total domestic deposits to total assets | 87.3806% | 2,105 |
| Equity capital to assets | 11.5824% | 2,404 |
| Core capital (leverage) ratio | 10.3421% | 3,226 |
| Tier 1 risk-based capital ratio | 13.0332% | 4,848 |
| Total risk-based capital ratio | 14.1298% | 4,849 |
| Memoranda: | ||
| Average total assets | $1,658,790,750 | 425 |
| Average earning assets | $1,556,970,750 | 414 |
| Average equity | $203,546,750 | 394 |
| Average total loans | $1,139,212,750 | 411 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 3,778 |
| Cost of funding earning assets | 0.1882% | 6,017 |
| Net interest margin | 3.7993% | 2,578 |
| Noninterest income to average assets | 0.3690% | 4,488 |
| Noninterest expense to average assets | 1.9984% | 5,843 |
| Loan and lease loss provision to assets | 0.0062% | 4,112 |
| Net operating income to assets | 1.9207% | 394 |
| Return on assets (ROA) | 1.9207% | 410 |
| Pretax return on assets | 1.9207% | 656 |
| Return on Equity (ROE) | 15.3359% | 745 |
| Retained earnings to average equity (ytd only) | 1.7508% | 5,022 |
| Net charge-offs to loans | -0.0081% | 5,274 |
| Credit loss provision to net charge-offs | -113.6364% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9110% | 6,128 |
| Assets per employee ($millions) | 7.5060% | 627 |
| Cash dividends to net income (ytd only)* | 88.5839% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 4,373 |
| Loan loss allowance to noncurrent loans | 610.4586% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 5,350 |
| Noncurrent loans to loans | 0.1984% | 5,421 |
| Net loans and leases to total assets | 70.0332% | 2,079 |
| Net loans and leases to deposits | 80.6265% | 2,431 |
| Net loans and leases to core deposits | 85.7871% | 2,541 |
| Total domestic deposits to total assets | 86.8612% | 2,541 |
| Equity capital to assets | 12.2188% | 1,842 |
| Core capital (leverage) ratio | 10.6987% | 2,723 |
| Tier 1 risk-based capital ratio | 13.9280% | 4,296 |
| Total risk-based capital ratio | 15.1019% | 4,304 |
| Memoranda: | ||
| Average total assets | $1,616,263,670 | 436 |
| Average earning assets | $1,512,925,330 | 421 |
| Average equity | $202,427,330 | 393 |
| Average total loans | $1,091,116,000 | 425 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8644% | 4,228 |
| Cost of funding earning assets | 0.1834% | 6,133 |
| Net interest margin | 3.6811% | 2,946 |
| Noninterest income to average assets | 0.3702% | 4,427 |
| Noninterest expense to average assets | 1.9950% | 5,895 |
| Loan and lease loss provision to assets | 0.0125% | 3,667 |
| Net operating income to assets | 1.8114% | 475 |
| Return on assets (ROA) | 1.8114% | 495 |
| Pretax return on assets | 1.8114% | 788 |
| Return on Equity (ROE) | 14.2820% | 892 |
| Retained earnings to average equity (ytd only) | 5.3842% | 2,862 |
| Net charge-offs to loans | -0.0069% | 4,911 |
| Credit loss provision to net charge-offs | -277.7778% | 5,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2393% | 6,121 |
| Assets per employee ($millions) | 7.6061% | 600 |
| Cash dividends to net income (ytd only)* | 62.3010% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 3,870 |
| Loan loss allowance to noncurrent loans | 590.3654% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 5,362 |
| Noncurrent loans to loans | 0.2280% | 5,416 |
| Net loans and leases to total assets | 64.0069% | 2,890 |
| Net loans and leases to deposits | 74.0093% | 3,061 |
| Net loans and leases to core deposits | 78.6209% | 3,133 |
| Total domestic deposits to total assets | 86.4850% | 3,116 |
| Equity capital to assets | 12.5113% | 1,570 |
| Core capital (leverage) ratio | 11.2550% | 2,168 |
| Tier 1 risk-based capital ratio | 15.9833% | 3,176 |
| Total risk-based capital ratio | 17.2343% | 3,131 |
| Memoranda: | ||
| Average total assets | $1,594,987,000 | 445 |
| Average earning assets | $1,494,353,500 | 426 |
| Average equity | $202,297,000 | 392 |
| Average total loans | $1,048,692,000 | 436 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8499% | 4,633 |
| Cost of funding earning assets | 0.1812% | 6,382 |
| Net interest margin | 3.6686% | 3,179 |
| Noninterest income to average assets | 0.4309% | 4,226 |
| Noninterest expense to average assets | 2.0238% | 5,983 |
| Loan and lease loss provision to assets | 0.0379% | 4,359 |
| Net operating income to assets | 1.8005% | 482 |
| Return on assets (ROA) | 1.8005% | 496 |
| Pretax return on assets | 1.8005% | 758 |
| Return on Equity (ROE) | 14.0869% | 931 |
| Retained earnings to average equity (ytd only) | 5.0737% | 2,542 |
| Net charge-offs to loans | -0.0073% | 5,983 |
| Credit loss provision to net charge-offs | -809.8592% | 6,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1306% | 6,283 |
| Assets per employee ($millions) | 7.3004% | 656 |
| Cash dividends to net income (ytd only)* | 63.9830% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 3,846 |
| Loan loss allowance to noncurrent loans | 584.8698% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.2816% | 5,411 |
| Noncurrent loans to loans | 0.2323% | 5,489 |
| Net loans and leases to total assets | 65.7490% | 2,732 |
| Net loans and leases to deposits | 76.5355% | 2,913 |
| Net loans and leases to core deposits | 81.0793% | 2,997 |
| Total domestic deposits to total assets | 85.9066% | 3,309 |
| Equity capital to assets | 12.8625% | 1,338 |
| Core capital (leverage) ratio | 11.0491% | 2,343 |
| Tier 1 risk-based capital ratio | 16.1988% | 3,008 |
| Total risk-based capital ratio | 17.4502% | 2,960 |
| Memoranda: | ||
| Average total assets | $1,519,054,000 | 451 |
| Average earning assets | $1,420,770,600 | 434 |
| Average equity | $194,159,600 | 396 |
| Average total loans | $969,700,200 | 441 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 4,824 |
| Cost of funding earning assets | 0.1803% | 6,502 |
| Net interest margin | 3.6282% | 3,330 |
| Noninterest income to average assets | 0.4341% | 4,273 |
| Noninterest expense to average assets | 1.9791% | 6,048 |
| Loan and lease loss provision to assets | 0.0420% | 4,171 |
| Net operating income to assets | 1.8051% | 520 |
| Return on assets (ROA) | 1.8051% | 544 |
| Pretax return on assets | 1.8051% | 897 |
| Return on Equity (ROE) | 14.1461% | 965 |
| Retained earnings to average equity (ytd only) | 2.0229% | 5,116 |
| Net charge-offs to loans | -0.0143% | 5,968 |
| Credit loss provision to net charge-offs | -465.6863% | 6,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3597% | 6,303 |
| Assets per employee ($millions) | 7.4799% | 588 |
| Cash dividends to net income (ytd only)* | 85.7003% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4246% | 3,786 |
| Loan loss allowance to noncurrent loans | 610.8026% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 5,560 |
| Noncurrent loans to loans | 0.2332% | 5,651 |
| Net loans and leases to total assets | 62.9198% | 3,179 |
| Net loans and leases to deposits | 72.7259% | 3,432 |
| Net loans and leases to core deposits | 76.2283% | 3,592 |
| Total domestic deposits to total assets | 86.5164% | 2,961 |
| Equity capital to assets | 12.5333% | 1,567 |
| Core capital (leverage) ratio | 10.9776% | 2,508 |
| Tier 1 risk-based capital ratio | 16.3862% | 2,994 |
| Total risk-based capital ratio | 17.6384% | 2,956 |
| Memoranda: | ||
| Average total assets | $1,508,248,750 | 455 |
| Average earning assets | $1,410,109,500 | 439 |
| Average equity | $192,462,500 | 399 |
| Average total loans | $951,793,250 | 447 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 4,800 |
| Cost of funding earning assets | 0.1809% | 6,570 |
| Net interest margin | 3.6285% | 3,250 |
| Noninterest income to average assets | 0.4426% | 4,226 |
| Noninterest expense to average assets | 1.9793% | 6,081 |
| Loan and lease loss provision to assets | 0.0535% | 3,917 |
| Net operating income to assets | 1.8027% | 517 |
| Return on assets (ROA) | 1.8027% | 555 |
| Pretax return on assets | 1.8027% | 920 |
| Return on Equity (ROE) | 14.0405% | 1,003 |
| Retained earnings to average equity (ytd only) | -0.0271% | 5,859 |
| Net charge-offs to loans | -0.0143% | 5,863 |
| Credit loss provision to net charge-offs | -597.0149% | 5,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2348% | 6,333 |
| Assets per employee ($millions) | 7.1605% | 675 |
| Cash dividends to net income (ytd only)* | 100.1930% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 3,766 |
| Loan loss allowance to noncurrent loans | 612.6754% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 5,568 |
| Noncurrent loans to loans | 0.2384% | 5,707 |
| Net loans and leases to total assets | 63.5785% | 2,990 |
| Net loans and leases to deposits | 73.4748% | 3,226 |
| Net loans and leases to core deposits | 76.9616% | 3,428 |
| Total domestic deposits to total assets | 86.5311% | 3,101 |
| Equity capital to assets | 12.8967% | 1,385 |
| Core capital (leverage) ratio | 11.0489% | 2,307 |
| Tier 1 risk-based capital ratio | 16.5415% | 2,925 |
| Total risk-based capital ratio | 17.7942% | 2,875 |
| Memoranda: | ||
| Average total assets | $1,494,884,000 | 456 |
| Average earning assets | $1,397,809,670 | 439 |
| Average equity | $191,930,330 | 399 |
| Average total loans | $939,626,670 | 451 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 4,874 |
| Cost of funding earning assets | 0.1820% | 6,662 |
| Net interest margin | 3.6028% | 3,251 |
| Noninterest income to average assets | 0.3962% | 4,487 |
| Noninterest expense to average assets | 1.9350% | 6,218 |
| Loan and lease loss provision to assets | 0.0799% | 3,310 |
| Net operating income to assets | 1.7458% | 524 |
| Return on assets (ROA) | 1.7458% | 582 |
| Pretax return on assets | 1.7458% | 983 |
| Return on Equity (ROE) | 13.6275% | 1,028 |
| Retained earnings to average equity (ytd only) | 4.2680% | 3,667 |
| Net charge-offs to loans | -0.0180% | 5,675 |
| Credit loss provision to net charge-offs | -714.2857% | 5,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0769% | 6,436 |
| Assets per employee ($millions) | 7.4086% | 630 |
| Cash dividends to net income (ytd only)* | 68.6813% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 3,893 |
| Loan loss allowance to noncurrent loans | 599.5669% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.2992% | 5,672 |
| Noncurrent loans to loans | 0.2472% | 5,791 |
| Net loans and leases to total assets | 61.7848% | 3,109 |
| Net loans and leases to deposits | 71.5259% | 3,250 |
| Net loans and leases to core deposits | 74.8792% | 3,480 |
| Total domestic deposits to total assets | 86.3810% | 3,310 |
| Equity capital to assets | 12.9812% | 1,434 |
| Core capital (leverage) ratio | 11.1415% | 2,144 |
| Tier 1 risk-based capital ratio | 17.1341% | 2,694 |
| Total risk-based capital ratio | 18.3841% | 2,668 |
| Memoranda: | ||
| Average total assets | $1,501,216,500 | 460 |
| Average earning assets | $1,401,893,500 | 444 |
| Average equity | $192,316,500 | 402 |
| Average total loans | $931,269,000 | 453 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9189% | 5,523 |
| Cost of funding earning assets | 0.2372% | 6,722 |
| Net interest margin | 3.6817% | 3,733 |
| Noninterest income to average assets | 0.3828% | 4,731 |
| Noninterest expense to average assets | 1.8898% | 6,505 |
| Loan and lease loss provision to assets | 0.0821% | 4,674 |
| Net operating income to assets | 1.8557% | 465 |
| Return on assets (ROA) | 1.8557% | 515 |
| Pretax return on assets | 1.8557% | 817 |
| Return on Equity (ROE) | 14.7360% | 863 |
| Retained earnings to average equity (ytd only) | 6.1777% | 1,982 |
| Net charge-offs to loans | 0.0096% | 5,803 |
| Credit loss provision to net charge-offs | 1,463.4146% | 169 |
| Earnings coverage of net charge-offs (x) | 345.3537% | 116 |
| Efficiency ratio | 48.9953% | 6,649 |
| Assets per employee ($millions) | 7.5665% | 609 |
| Cash dividends to net income (ytd only)* | 58.0774% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4540% | 3,927 |
| Loan loss allowance to noncurrent loans | 620.7816% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 5,820 |
| Noncurrent loans to loans | 0.2342% | 5,894 |
| Net loans and leases to total assets | 60.4728% | 3,521 |
| Net loans and leases to deposits | 69.9128% | 3,728 |
| Net loans and leases to core deposits | 73.5010% | 3,850 |
| Total domestic deposits to total assets | 86.4975% | 3,099 |
| Equity capital to assets | 12.6429% | 1,618 |
| Core capital (leverage) ratio | 10.7541% | 2,488 |
| Tier 1 risk-based capital ratio | 16.9998% | 2,654 |
| Total risk-based capital ratio | 18.2497% | 2,620 |
| Memoranda: | ||
| Average total assets | $1,461,400,200 | 462 |
| Average earning assets | $1,367,362,800 | 449 |
| Average equity | $184,032,000 | 399 |
| Average total loans | $856,600,400 | 479 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 5,794 |
| Cost of funding earning assets | 0.2509% | 6,803 |
| Net interest margin | 3.6450% | 4,024 |
| Noninterest income to average assets | 0.3872% | 4,732 |
| Noninterest expense to average assets | 1.8386% | 6,633 |
| Loan and lease loss provision to assets | 0.0828% | 4,590 |
| Net operating income to assets | 1.8837% | 471 |
| Return on assets (ROA) | 1.8837% | 551 |
| Pretax return on assets | 1.8837% | 900 |
| Return on Equity (ROE) | 14.9737% | 905 |
| Retained earnings to average equity (ytd only) | 3.4487% | 4,438 |
| Net charge-offs to loans | 0.0027% | 5,731 |
| Credit loss provision to net charge-offs | 5,294.1176% | 53 |
| Earnings coverage of net charge-offs (x) | 1,256.4310% | 29 |
| Efficiency ratio | 47.9377% | 6,719 |
| Assets per employee ($millions) | 7.5564% | 580 |
| Cash dividends to net income (ytd only)* | 76.9682% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5059% | 3,928 |
| Loan loss allowance to noncurrent loans | 572.8843% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 5,946 |
| Noncurrent loans to loans | 0.2629% | 5,965 |
| Net loans and leases to total assets | 58.2968% | 4,085 |
| Net loans and leases to deposits | 67.3020% | 4,287 |
| Net loans and leases to core deposits | 71.4549% | 4,322 |
| Total domestic deposits to total assets | 86.6197% | 2,906 |
| Equity capital to assets | 12.4082% | 1,957 |
| Core capital (leverage) ratio | 10.6743% | 2,728 |
| Tier 1 risk-based capital ratio | 17.5475% | 2,524 |
| Total risk-based capital ratio | 18.7974% | 2,491 |
| Memoranda: | ||
| Average total assets | $1,448,424,750 | 464 |
| Average earning assets | $1,358,195,500 | 445 |
| Average equity | $182,208,500 | 407 |
| Average total loans | $838,591,000 | 492 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 5,905 |
| Cost of funding earning assets | 0.2715% | 6,834 |
| Net interest margin | 3.6323% | 4,121 |
| Noninterest income to average assets | 0.3872% | 4,748 |
| Noninterest expense to average assets | 1.8391% | 6,702 |
| Loan and lease loss provision to assets | 0.0836% | 4,550 |
| Net operating income to assets | 1.8706% | 493 |
| Return on assets (ROA) | 1.8706% | 560 |
| Pretax return on assets | 1.8706% | 900 |
| Return on Equity (ROE) | 14.8003% | 969 |
| Retained earnings to average equity (ytd only) | 1.8437% | 5,275 |
| Net charge-offs to loans | 0.0034% | 5,469 |
| Credit loss provision to net charge-offs | 4,285.7143% | 66 |
| Earnings coverage of net charge-offs (x) | 1,001.5714% | 33 |
| Efficiency ratio | 48.0932% | 6,771 |
| Assets per employee ($millions) | 7.2397% | 652 |
| Cash dividends to net income (ytd only)* | 87.5428% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,947 |
| Loan loss allowance to noncurrent loans | 573.1330% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 5,996 |
| Noncurrent loans to loans | 0.2642% | 6,053 |
| Net loans and leases to total assets | 58.5496% | 4,071 |
| Net loans and leases to deposits | 67.6909% | 4,252 |
| Net loans and leases to core deposits | 71.8175% | 4,317 |
| Total domestic deposits to total assets | 86.4955% | 3,075 |
| Equity capital to assets | 12.6119% | 1,745 |
| Core capital (leverage) ratio | 10.6242% | 2,692 |
| Tier 1 risk-based capital ratio | 17.5592% | 2,451 |
| Total risk-based capital ratio | 18.8092% | 2,419 |
| Memoranda: | ||
| Average total assets | $1,435,027,670 | 468 |
| Average earning assets | $1,345,690,670 | 451 |
| Average equity | $181,374,670 | 409 |
| Average total loans | $824,427,000 | 497 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 6,208 |
| Cost of funding earning assets | 0.2941% | 6,860 |
| Net interest margin | 3.5236% | 4,587 |
| Noninterest income to average assets | 0.3743% | 4,869 |
| Noninterest expense to average assets | 1.8347% | 6,754 |
| Loan and lease loss provision to assets | 0.0838% | 4,336 |
| Net operating income to assets | 1.7587% | 652 |
| Return on assets (ROA) | 1.7587% | 728 |
| Pretax return on assets | 1.7587% | 1,176 |
| Return on Equity (ROE) | 13.8998% | 1,209 |
| Retained earnings to average equity (ytd only) | 4.5185% | 3,871 |
| Net charge-offs to loans | 0.0099% | 4,584 |
| Credit loss provision to net charge-offs | 1,500.0000% | 217 |
| Earnings coverage of net charge-offs (x) | 329.8500% | 97 |
| Efficiency ratio | 49.4911% | 6,707 |
| Assets per employee ($millions) | 7.3795% | 630 |
| Cash dividends to net income (ytd only)* | 67.4925% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 3,912 |
| Loan loss allowance to noncurrent loans | 181.4067% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5992% | 5,392 |
| Noncurrent loans to loans | 0.8576% | 4,957 |
| Net loans and leases to total assets | 55.6862% | 4,440 |
| Net loans and leases to deposits | 64.4119% | 4,576 |
| Net loans and leases to core deposits | 67.6820% | 4,718 |
| Total domestic deposits to total assets | 86.4532% | 3,276 |
| Equity capital to assets | 12.6560% | 1,622 |
| Core capital (leverage) ratio | 10.9167% | 2,327 |
| Tier 1 risk-based capital ratio | 18.3627% | 2,181 |
| Total risk-based capital ratio | 19.6128% | 2,152 |
| Memoranda: | ||
| Average total assets | $1,432,186,500 | 466 |
| Average earning assets | $1,342,480,500 | 450 |
| Average equity | $181,211,500 | 406 |
| Average total loans | $808,390,500 | 500 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 6,189 |
| Cost of funding earning assets | 0.4573% | 6,711 |
| Net interest margin | 3.6896% | 4,346 |
| Noninterest income to average assets | 0.3840% | 4,753 |
| Noninterest expense to average assets | 1.9796% | 6,707 |
| Loan and lease loss provision to assets | 0.0929% | 5,436 |
| Net operating income to assets | 1.7559% | 501 |
| Return on assets (ROA) | 1.7559% | 538 |
| Pretax return on assets | 1.7559% | 886 |
| Return on Equity (ROE) | 13.7083% | 1,017 |
| Retained earnings to average equity (ytd only) | 6.0197% | 2,006 |
| Net charge-offs to loans | 0.0223% | 6,132 |
| Credit loss provision to net charge-offs | 706.2147% | 309 |
| Earnings coverage of net charge-offs (x) | 140.5311% | 239 |
| Efficiency ratio | 51.2988% | 6,753 |
| Assets per employee ($millions) | 6.9871% | 749 |
| Cash dividends to net income (ytd only)* | 56.0870% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5426% | 3,818 |
| Loan loss allowance to noncurrent loans | 1,350.4907% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 6,503 |
| Noncurrent loans to loans | 0.1142% | 6,527 |
| Net loans and leases to total assets | 55.4528% | 4,802 |
| Net loans and leases to deposits | 64.4570% | 4,948 |
| Net loans and leases to core deposits | 68.0749% | 5,020 |
| Total domestic deposits to total assets | 86.0307% | 3,308 |
| Equity capital to assets | 12.6495% | 1,698 |
| Core capital (leverage) ratio | 10.6575% | 2,559 |
| Tier 1 risk-based capital ratio | 18.1982% | 2,133 |
| Total risk-based capital ratio | 19.4482% | 2,102 |
| Memoranda: | ||
| Average total assets | $1,345,417,200 | 486 |
| Average earning assets | $1,255,980,400 | 474 |
| Average equity | $172,333,800 | 410 |
| Average total loans | $792,872,000 | 516 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2131% | 6,175 |
| Cost of funding earning assets | 0.4942% | 6,719 |
| Net interest margin | 3.7189% | 4,253 |
| Noninterest income to average assets | 0.4041% | 4,636 |
| Noninterest expense to average assets | 1.9799% | 6,729 |
| Loan and lease loss provision to assets | 0.1006% | 5,195 |
| Net operating income to assets | 1.7914% | 528 |
| Return on assets (ROA) | 1.7914% | 574 |
| Pretax return on assets | 1.7914% | 972 |
| Return on Equity (ROE) | 13.9387% | 1,048 |
| Retained earnings to average equity (ytd only) | 3.5676% | 4,206 |
| Net charge-offs to loans | 0.0073% | 6,063 |
| Credit loss provision to net charge-offs | 2,325.5814% | 118 |
| Earnings coverage of net charge-offs (x) | 437.4099% | 82 |
| Efficiency ratio | 50.7249% | 6,786 |
| Assets per employee ($millions) | 7.1339% | 689 |
| Cash dividends to net income (ytd only)* | 74.4048% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5624% | 3,840 |
| Loan loss allowance to noncurrent loans | 496.1181% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 6,223 |
| Noncurrent loans to loans | 0.3149% | 6,218 |
| Net loans and leases to total assets | 55.5677% | 4,907 |
| Net loans and leases to deposits | 64.4885% | 5,105 |
| Net loans and leases to core deposits | 68.6488% | 5,101 |
| Total domestic deposits to total assets | 86.1668% | 3,116 |
| Equity capital to assets | 12.5530% | 1,885 |
| Core capital (leverage) ratio | 10.6672% | 2,695 |
| Tier 1 risk-based capital ratio | 18.3975% | 2,119 |
| Total risk-based capital ratio | 19.6476% | 2,085 |
| Memoranda: | ||
| Average total assets | $1,325,428,250 | 501 |
| Average earning assets | $1,235,916,500 | 487 |
| Average equity | $170,341,500 | 423 |
| Average total loans | $790,391,750 | 523 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3043% | 6,010 |
| Cost of funding earning assets | 0.5329% | 6,732 |
| Net interest margin | 3.7714% | 3,931 |
| Noninterest income to average assets | 0.4074% | 4,621 |
| Noninterest expense to average assets | 2.0211% | 6,745 |
| Loan and lease loss provision to assets | 0.1074% | 4,959 |
| Net operating income to assets | 1.7937% | 512 |
| Return on assets (ROA) | 1.7937% | 547 |
| Pretax return on assets | 1.7937% | 893 |
| Return on Equity (ROE) | 13.8426% | 1,007 |
| Retained earnings to average equity (ytd only) | 3.1862% | 4,244 |
| Net charge-offs to loans | -0.0068% | 6,626 |
| Credit loss provision to net charge-offs | -2,592.5926% | 6,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1148% | 6,863 |
| Assets per employee ($millions) | 6.6949% | 845 |
| Cash dividends to net income (ytd only)* | 76.9823% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5291% | 3,987 |
| Loan loss allowance to noncurrent loans | 550.2285% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.2972% | 6,391 |
| Noncurrent loans to loans | 0.2779% | 6,366 |
| Net loans and leases to total assets | 59.0851% | 4,450 |
| Net loans and leases to deposits | 68.7004% | 4,603 |
| Net loans and leases to core deposits | 73.4367% | 4,646 |
| Total domestic deposits to total assets | 86.0041% | 3,327 |
| Equity capital to assets | 12.9499% | 1,541 |
| Core capital (leverage) ratio | 10.9488% | 2,300 |
| Tier 1 risk-based capital ratio | 17.9578% | 2,186 |
| Total risk-based capital ratio | 19.2078% | 2,138 |
| Memoranda: | ||
| Average total assets | $1,303,535,670 | 511 |
| Average earning assets | $1,214,864,670 | 500 |
| Average equity | $168,913,330 | 427 |
| Average total loans | $792,097,330 | 531 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 5,991 |
| Cost of funding earning assets | 0.5650% | 6,743 |
| Net interest margin | 3.7451% | 3,868 |
| Noninterest income to average assets | 0.3962% | 4,730 |
| Noninterest expense to average assets | 2.0748% | 6,685 |
| Loan and lease loss provision to assets | 0.0924% | 4,860 |
| Net operating income to assets | 1.7229% | 559 |
| Return on assets (ROA) | 1.7229% | 590 |
| Pretax return on assets | 1.7229% | 946 |
| Return on Equity (ROE) | 13.2917% | 1,127 |
| Retained earnings to average equity (ytd only) | 6.1661% | 2,543 |
| Net charge-offs to loans | -0.0065% | 6,280 |
| Credit loss provision to net charge-offs | -2,307.6923% | 6,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9165% | 6,785 |
| Assets per employee ($millions) | 6.6951% | 848 |
| Cash dividends to net income (ytd only)* | 53.6097% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 4,405 |
| Loan loss allowance to noncurrent loans | 689.9110% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.2614% | 6,524 |
| Noncurrent loans to loans | 0.2113% | 6,548 |
| Net loans and leases to total assets | 60.1826% | 4,230 |
| Net loans and leases to deposits | 70.0758% | 4,333 |
| Net loans and leases to core deposits | 74.5213% | 4,483 |
| Total domestic deposits to total assets | 85.8822% | 3,588 |
| Equity capital to assets | 12.9949% | 1,387 |
| Core capital (leverage) ratio | 11.0161% | 2,178 |
| Tier 1 risk-based capital ratio | 18.0708% | 2,092 |
| Total risk-based capital ratio | 19.3207% | 2,058 |
| Memoranda: | ||
| Average total assets | $1,299,206,000 | 516 |
| Average earning assets | $1,212,052,000 | 503 |
| Average equity | $168,406,000 | 424 |
| Average total loans | $794,470,500 | 540 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 6,088 |
| Cost of funding earning assets | 0.7053% | 6,871 |
| Net interest margin | 3.9026% | 3,473 |
| Noninterest income to average assets | 0.3805% | 5,054 |
| Noninterest expense to average assets | 2.0867% | 6,880 |
| Loan and lease loss provision to assets | 0.1430% | 5,753 |
| Net operating income to assets | 1.7708% | 448 |
| Return on assets (ROA) | 1.7708% | 488 |
| Pretax return on assets | 1.7708% | 807 |
| Return on Equity (ROE) | 14.0646% | 868 |
| Retained earnings to average equity (ytd only) | 5.7029% | 1,986 |
| Net charge-offs to loans | 0.1034% | 5,831 |
| Credit loss provision to net charge-offs | 219.8582% | 1,366 |
| Earnings coverage of net charge-offs (x) | 29.4173% | 743 |
| Efficiency ratio | 51.7550% | 7,002 |
| Assets per employee ($millions) | 6.4003% | 987 |
| Cash dividends to net income (ytd only)* | 59.4519% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 4,381 |
| Loan loss allowance to noncurrent loans | 681.0355% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.2903% | 6,524 |
| Noncurrent loans to loans | 0.2098% | 6,650 |
| Net loans and leases to total assets | 60.3537% | 4,621 |
| Net loans and leases to deposits | 70.5590% | 4,747 |
| Net loans and leases to core deposits | 75.5964% | 4,772 |
| Total domestic deposits to total assets | 85.5365% | 3,582 |
| Equity capital to assets | 12.9292% | 1,427 |
| Core capital (leverage) ratio | 10.5632% | 2,495 |
| Tier 1 risk-based capital ratio | 17.8784% | 2,039 |
| Total risk-based capital ratio | 19.1271% | 2,001 |
| Memoranda: | ||
| Average total assets | $1,300,353,800 | 519 |
| Average earning assets | $1,206,224,600 | 503 |
| Average equity | $163,722,600 | 421 |
| Average total loans | $818,382,400 | 539 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6481% | 6,196 |
| Cost of funding earning assets | 0.7283% | 6,981 |
| Net interest margin | 3.9199% | 3,452 |
| Noninterest income to average assets | 0.3803% | 5,110 |
| Noninterest expense to average assets | 2.0578% | 6,940 |
| Loan and lease loss provision to assets | 0.1597% | 5,441 |
| Net operating income to assets | 1.7929% | 514 |
| Return on assets (ROA) | 1.7929% | 562 |
| Pretax return on assets | 1.7929% | 936 |
| Return on Equity (ROE) | 14.3355% | 964 |
| Retained earnings to average equity (ytd only) | 4.1023% | 3,589 |
| Net charge-offs to loans | 0.1141% | 5,396 |
| Credit loss provision to net charge-offs | 220.9632% | 1,561 |
| Earnings coverage of net charge-offs (x) | 27.0127% | 945 |
| Efficiency ratio | 50.9076% | 7,077 |
| Assets per employee ($millions) | 6.5347% | 948 |
| Cash dividends to net income (ytd only)* | 71.3837% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 4,507 |
| Loan loss allowance to noncurrent loans | 491.0612% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 6,661 |
| Noncurrent loans to loans | 0.2835% | 6,621 |
| Net loans and leases to total assets | 59.8448% | 4,943 |
| Net loans and leases to deposits | 69.6226% | 5,205 |
| Net loans and leases to core deposits | 74.7417% | 5,203 |
| Total domestic deposits to total assets | 85.9560% | 3,100 |
| Equity capital to assets | 12.5075% | 1,857 |
| Core capital (leverage) ratio | 10.4086% | 2,791 |
| Tier 1 risk-based capital ratio | 17.0176% | 2,334 |
| Total risk-based capital ratio | 18.2674% | 2,298 |
| Memoranda: | ||
| Average total assets | $1,302,226,000 | 515 |
| Average earning assets | $1,205,956,500 | 501 |
| Average equity | $162,864,000 | 415 |
| Average total loans | $825,077,000 | 532 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7125% | 6,105 |
| Cost of funding earning assets | 0.7566% | 7,046 |
| Net interest margin | 3.9559% | 3,222 |
| Noninterest income to average assets | 0.3675% | 5,201 |
| Noninterest expense to average assets | 2.0701% | 6,980 |
| Loan and lease loss provision to assets | 0.1697% | 5,177 |
| Net operating income to assets | 1.7851% | 501 |
| Return on assets (ROA) | 1.7851% | 550 |
| Pretax return on assets | 1.7851% | 914 |
| Return on Equity (ROE) | 14.2736% | 980 |
| Retained earnings to average equity (ytd only) | 4.0958% | 3,476 |
| Net charge-offs to loans | 0.1128% | 5,035 |
| Credit loss provision to net charge-offs | 234.0426% | 1,649 |
| Earnings coverage of net charge-offs (x) | 26.9574% | 991 |
| Efficiency ratio | 51.0254% | 7,148 |
| Assets per employee ($millions) | 6.3594% | 1,026 |
| Cash dividends to net income (ytd only)* | 71.3051% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 4,685 |
| Loan loss allowance to noncurrent loans | 370.7301% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 6,518 |
| Noncurrent loans to loans | 0.3639% | 6,506 |
| Net loans and leases to total assets | 61.7969% | 4,723 |
| Net loans and leases to deposits | 72.4374% | 4,921 |
| Net loans and leases to core deposits | 77.6187% | 5,009 |
| Total domestic deposits to total assets | 85.3108% | 3,462 |
| Equity capital to assets | 12.4661% | 1,822 |
| Core capital (leverage) ratio | 10.3314% | 2,789 |
| Tier 1 risk-based capital ratio | 16.4301% | 2,504 |
| Total risk-based capital ratio | 17.6803% | 2,447 |
| Memoranda: | ||
| Average total assets | $1,296,295,000 | 511 |
| Average earning assets | $1,198,477,670 | 501 |
| Average equity | $162,118,000 | 421 |
| Average total loans | $833,064,330 | 530 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7905% | 5,922 |
| Cost of funding earning assets | 0.7887% | 7,121 |
| Net interest margin | 4.0018% | 2,865 |
| Noninterest income to average assets | 0.3847% | 5,049 |
| Noninterest expense to average assets | 2.0868% | 6,981 |
| Loan and lease loss provision to assets | 0.1861% | 4,647 |
| Net operating income to assets | 1.8045% | 490 |
| Return on assets (ROA) | 1.8045% | 540 |
| Pretax return on assets | 1.8045% | 868 |
| Return on Equity (ROE) | 14.4055% | 973 |
| Retained earnings to average equity (ytd only) | 7.5953% | 1,879 |
| Net charge-offs to loans | -0.0062% | 6,832 |
| Credit loss provision to net charge-offs | -4,615.3846% | 6,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7760% | 7,259 |
| Assets per employee ($millions) | 6.1592% | 1,163 |
| Cash dividends to net income (ytd only)* | 47.2752% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 4,832 |
| Loan loss allowance to noncurrent loans | 296.5499% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 6,117 |
| Noncurrent loans to loans | 0.4447% | 6,411 |
| Net loans and leases to total assets | 63.7545% | 4,383 |
| Net loans and leases to deposits | 74.4721% | 4,673 |
| Net loans and leases to core deposits | 80.9223% | 4,637 |
| Total domestic deposits to total assets | 85.6086% | 3,359 |
| Equity capital to assets | 12.7276% | 1,635 |
| Core capital (leverage) ratio | 10.5725% | 2,554 |
| Tier 1 risk-based capital ratio | 16.0939% | 2,617 |
| Total risk-based capital ratio | 17.3464% | 2,567 |
| Memoranda: | ||
| Average total assets | $1,289,423,500 | 535 |
| Average earning assets | $1,189,861,500 | 522 |
| Average equity | $161,521,500 | 425 |
| Average total loans | $839,280,000 | 545 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2298% | 5,511 |
| Cost of funding earning assets | 1.0899% | 7,007 |
| Net interest margin | 4.1399% | 2,284 |
| Noninterest income to average assets | 0.3954% | 5,237 |
| Noninterest expense to average assets | 2.1925% | 7,012 |
| Loan and lease loss provision to assets | 0.1659% | 6,030 |
| Net operating income to assets | 1.8672% | 313 |
| Return on assets (ROA) | 1.8672% | 320 |
| Pretax return on assets | 1.8672% | 551 |
| Return on Equity (ROE) | 16.1590% | 538 |
| Retained earnings to average equity (ytd only) | 8.1624% | 660 |
| Net charge-offs to loans | 0.1319% | 5,880 |
| Credit loss provision to net charge-offs | 181.6680% | 2,274 |
| Earnings coverage of net charge-offs (x) | 22.2576% | 968 |
| Efficiency ratio | 51.5093% | 7,432 |
| Assets per employee ($millions) | 6.0642% | 1,208 |
| Cash dividends to net income (ytd only)* | 49.4870% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 5,293 |
| Loan loss allowance to noncurrent loans | 340.7677% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.5711% | 6,036 |
| Noncurrent loans to loans | 0.3552% | 6,562 |
| Net loans and leases to total assets | 64.7728% | 4,422 |
| Net loans and leases to deposits | 75.9828% | 4,746 |
| Net loans and leases to core deposits | 95.1577% | 4,555 |
| Total domestic deposits to total assets | 85.2467% | 3,434 |
| Equity capital to assets | 12.3283% | 1,835 |
| Core capital (leverage) ratio | 10.0566% | 3,029 |
| Tier 1 risk-based capital ratio | 15.3283% | 2,791 |
| Total risk-based capital ratio | 16.5785% | 2,746 |
| Memoranda: | ||
| Average total assets | $1,325,727,800 | 512 |
| Average earning assets | $1,226,585,000 | 498 |
| Average equity | $153,190,600 | 443 |
| Average total loans | $918,167,000 | 520 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2990% | 5,429 |
| Cost of funding earning assets | 1.1468% | 7,048 |
| Net interest margin | 4.1522% | 2,206 |
| Noninterest income to average assets | 0.4154% | 5,170 |
| Noninterest expense to average assets | 2.1426% | 7,111 |
| Loan and lease loss provision to assets | 0.1351% | 6,011 |
| Net operating income to assets | 1.9824% | 304 |
| Return on assets (ROA) | 1.9824% | 327 |
| Pretax return on assets | 1.9824% | 559 |
| Return on Equity (ROE) | 17.4395% | 506 |
| Retained earnings to average equity (ytd only) | 6.6581% | 1,648 |
| Net charge-offs to loans | 0.0198% | 6,628 |
| Credit loss provision to net charge-offs | 971.2230% | 384 |
| Earnings coverage of net charge-offs (x) | 152.2651% | 251 |
| Efficiency ratio | 49.9249% | 7,561 |
| Assets per employee ($millions) | 5.9252% | 1,266 |
| Cash dividends to net income (ytd only)* | 61.8219% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,179 |
| Loan loss allowance to noncurrent loans | 871.0049% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.2120% | 6,990 |
| Noncurrent loans to loans | 0.1364% | 7,139 |
| Net loans and leases to total assets | 67.1695% | 4,141 |
| Net loans and leases to deposits | 78.9678% | 4,567 |
| Net loans and leases to core deposits | 101.3321% | 4,232 |
| Total domestic deposits to total assets | 85.0594% | 3,205 |
| Equity capital to assets | 11.8410% | 2,330 |
| Core capital (leverage) ratio | 9.6584% | 3,706 |
| Tier 1 risk-based capital ratio | 14.2037% | 3,441 |
| Total risk-based capital ratio | 15.4459% | 3,390 |
| Memoranda: | ||
| Average total assets | $1,332,726,250 | 521 |
| Average earning assets | $1,234,004,750 | 509 |
| Average equity | $151,491,250 | 458 |
| Average total loans | $934,989,500 | 522 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3631% | 5,335 |
| Cost of funding earning assets | 1.1892% | 7,137 |
| Net interest margin | 4.1739% | 2,081 |
| Noninterest income to average assets | 0.4148% | 5,164 |
| Noninterest expense to average assets | 2.1452% | 7,182 |
| Loan and lease loss provision to assets | 0.1194% | 5,933 |
| Net operating income to assets | 2.0066% | 290 |
| Return on assets (ROA) | 2.0066% | 314 |
| Pretax return on assets | 2.0066% | 556 |
| Return on Equity (ROE) | 17.8958% | 501 |
| Retained earnings to average equity (ytd only) | 5.5874% | 2,209 |
| Net charge-offs to loans | 0.0038% | 6,563 |
| Credit loss provision to net charge-offs | 4,444.4444% | 113 |
| Earnings coverage of net charge-offs (x) | 791.6111% | 35 |
| Efficiency ratio | 49.8550% | 7,681 |
| Assets per employee ($millions) | 5.8814% | 1,288 |
| Cash dividends to net income (ytd only)* | 68.7783% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,654 |
| Loan loss allowance to noncurrent loans | 1,282.2560% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1323% | 7,227 |
| Noncurrent loans to loans | 0.0852% | 7,314 |
| Net loans and leases to total assets | 70.4779% | 3,587 |
| Net loans and leases to deposits | 83.2795% | 4,001 |
| Net loans and leases to core deposits | 108.7860% | 3,517 |
| Total domestic deposits to total assets | 84.6281% | 3,431 |
| Equity capital to assets | 11.6688% | 2,404 |
| Core capital (leverage) ratio | 9.1104% | 4,443 |
| Tier 1 risk-based capital ratio | 13.2691% | 3,958 |
| Total risk-based capital ratio | 14.4153% | 3,949 |
| Memoranda: | ||
| Average total assets | $1,340,476,330 | 530 |
| Average earning assets | $1,238,499,330 | 520 |
| Average equity | $150,303,330 | 466 |
| Average total loans | $949,938,330 | 533 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3572% | 5,629 |
| Cost of funding earning assets | 1.2325% | 7,220 |
| Net interest margin | 4.1247% | 2,195 |
| Noninterest income to average assets | 0.3971% | 5,230 |
| Noninterest expense to average assets | 2.0229% | 7,298 |
| Loan and lease loss provision to assets | 0.1029% | 5,654 |
| Net operating income to assets | 2.0811% | 299 |
| Return on assets (ROA) | 2.0811% | 343 |
| Pretax return on assets | 2.0811% | 558 |
| Return on Equity (ROE) | 18.9280% | 512 |
| Retained earnings to average equity (ytd only) | 11.5760% | 869 |
| Net charge-offs to loans | -0.0012% | 7,102 |
| Credit loss provision to net charge-offs | -11,666.6667% | 6,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7152% | 7,741 |
| Assets per employee ($millions) | 6.0941% | 1,146 |
| Cash dividends to net income (ytd only)* | 38.8418% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,124 |
| Loan loss allowance to noncurrent loans | 1,152.7512% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 7,189 |
| Noncurrent loans to loans | 0.0874% | 7,275 |
| Net loans and leases to total assets | 69.6651% | 3,758 |
| Net loans and leases to deposits | 89.1603% | 3,079 |
| Net loans and leases to core deposits | 114.8545% | 2,919 |
| Total domestic deposits to total assets | 78.1347% | 5,963 |
| Equity capital to assets | 11.1701% | 2,836 |
| Core capital (leverage) ratio | 9.1708% | 4,449 |
| Tier 1 risk-based capital ratio | 12.8193% | 4,309 |
| Total risk-based capital ratio | 13.8804% | 4,368 |
| Memoranda: | ||
| Average total assets | $1,360,819,000 | 526 |
| Average earning assets | $1,256,914,500 | 516 |
| Average equity | $149,620,000 | 468 |
| Average total loans | $961,816,500 | 531 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0409% | 5,350 |
| Cost of funding earning assets | 1.9863% | 6,453 |
| Net interest margin | 4.0546% | 2,897 |
| Noninterest income to average assets | 0.3808% | 5,638 |
| Noninterest expense to average assets | 1.9381% | 7,556 |
| Loan and lease loss provision to assets | 0.0870% | 6,295 |
| Net operating income to assets | 2.0972% | 294 |
| Return on assets (ROA) | 2.0972% | 276 |
| Pretax return on assets | 2.0972% | 486 |
| Return on Equity (ROE) | 20.8041% | 318 |
| Retained earnings to average equity (ytd only) | 10.3762% | 400 |
| Net charge-offs to loans | 0.0100% | 6,790 |
| Credit loss provision to net charge-offs | 1,224.4898% | 369 |
| Earnings coverage of net charge-offs (x) | 307.4286% | 155 |
| Efficiency ratio | 46.6436% | 7,893 |
| Assets per employee ($millions) | 6.0833% | 1,097 |
| Cash dividends to net income (ytd only)* | 50.1244% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 6,728 |
| Loan loss allowance to noncurrent loans | 796.5804% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 7,041 |
| Noncurrent loans to loans | 0.1119% | 7,081 |
| Net loans and leases to total assets | 70.3509% | 3,936 |
| Net loans and leases to deposits | 87.0281% | 3,941 |
| Net loans and leases to core deposits | 112.7201% | 3,484 |
| Total domestic deposits to total assets | 80.8370% | 4,717 |
| Equity capital to assets | 10.8201% | 3,191 |
| Core capital (leverage) ratio | 8.3553% | 5,841 |
| Tier 1 risk-based capital ratio | 12.1778% | 4,682 |
| Total risk-based capital ratio | 13.1867% | 4,759 |
| Memoranda: | ||
| Average total assets | $1,379,334,000 | 503 |
| Average earning assets | $1,272,817,600 | 496 |
| Average equity | $139,049,600 | 504 |
| Average total loans | $976,851,000 | 506 |