Home > Isabella Bank > Performance and Condition Ratios
Isabella Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 3,530 |
| Cost of funding earning assets | 1.1054% | 3,057 |
| Net interest margin | 3.1428% | 2,995 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.3944% | 2,613 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0096% | 2,187 |
| Return on assets (ROA) | 1.0123% | 2,163 |
| Pretax return on assets | 1.2240% | 2,080 |
| Return on Equity (ROE) | 13.1500% | 1,690 |
| Retained earnings to average equity (ytd only) | -6.1646% | 4,415 |
| Net charge-offs to loans | 0.0087% | 2,336 |
| Credit loss provision to net charge-offs | 550.8772% | 628 |
| Earnings coverage of net charge-offs (x) | 221.5614% | 552 |
| Efficiency ratio | 65.6663% | 2,388 |
| Assets per employee ($millions) | 5.6444% | 3,117 |
| Cash dividends to net income (ytd only)* | 146.8716% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9713% | 3,451 |
| Loan loss allowance to noncurrent loans | 1,226.1927% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 3,078 |
| Noncurrent loans to loans | 0.0792% | 3,153 |
| Net loans and leases to total assets | 66.5100% | 2,199 |
| Net loans and leases to deposits | 76.3971% | 2,416 |
| Net loans and leases to core deposits | 81.8575% | 2,594 |
| Total domestic deposits to total assets | 87.0500% | 1,659 |
| Equity capital to assets | 7.8075% | 3,539 |
| Core capital (leverage) ratio | 8.6936% | 3,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4072% | 2,099 |
| Memoranda: | ||
| Average total assets | $2,017,754,200 | 566 |
| Average earning assets | $1,877,089,800 | 555 |
| Average equity | $155,307,000 | 656 |
| Average total loans | $1,310,876,200 | 580 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 3,532 |
| Cost of funding earning assets | 0.9588% | 3,136 |
| Net interest margin | 3.2051% | 2,907 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.4047% | 2,506 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0704% | 2,146 |
| Return on assets (ROA) | 1.0741% | 2,121 |
| Pretax return on assets | 1.3011% | 2,041 |
| Return on Equity (ROE) | 14.0000% | 1,653 |
| Retained earnings to average equity (ytd only) | -4.6425% | 4,419 |
| Net charge-offs to loans | -0.0273% | 4,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.0273% | 2,385 |
| Assets per employee ($millions) | 5.4747% | 3,203 |
| Cash dividends to net income (ytd only)* | 133.1490% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,540 |
| Loan loss allowance to noncurrent loans | 2,455.1923% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 3,290 |
| Noncurrent loans to loans | 0.0390% | 3,487 |
| Net loans and leases to total assets | 63.8800% | 2,463 |
| Net loans and leases to deposits | 73.8571% | 2,579 |
| Net loans and leases to core deposits | 78.5473% | 2,714 |
| Total domestic deposits to total assets | 86.4900% | 2,043 |
| Equity capital to assets | 7.0177% | 3,600 |
| Core capital (leverage) ratio | 8.9705% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6652% | 2,025 |
| Memoranda: | ||
| Average total assets | $2,019,843,000 | 568 |
| Average earning assets | $1,878,226,000 | 556 |
| Average equity | $154,913,000 | 654 |
| Average total loans | $1,301,229,500 | 586 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 3,524 |
| Cost of funding earning assets | 0.8076% | 3,184 |
| Net interest margin | 3.2745% | 2,814 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 2.4037% | 2,469 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1180% | 2,067 |
| Return on assets (ROA) | 1.1235% | 2,048 |
| Pretax return on assets | 1.3577% | 1,925 |
| Return on Equity (ROE) | 14.2300% | 1,637 |
| Retained earnings to average equity (ytd only) | -2.6293% | 4,325 |
| Net charge-offs to loans | -0.0019% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.6157% | 2,530 |
| Assets per employee ($millions) | 5.5989% | 3,061 |
| Cash dividends to net income (ytd only)* | 118.4734% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,565 |
| Loan loss allowance to noncurrent loans | 2,341.7883% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 3,267 |
| Noncurrent loans to loans | 0.0411% | 3,432 |
| Net loans and leases to total assets | 66.3200% | 2,122 |
| Net loans and leases to deposits | 76.4301% | 2,266 |
| Net loans and leases to core deposits | 80.9171% | 2,415 |
| Total domestic deposits to total assets | 86.7700% | 2,001 |
| Equity capital to assets | 7.7191% | 3,392 |
| Core capital (leverage) ratio | 9.1703% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0046% | 1,896 |
| Memoranda: | ||
| Average total assets | $2,003,307,333 | 560 |
| Average earning assets | $1,868,992,667 | 547 |
| Average equity | $158,141,333 | 639 |
| Average total loans | $1,290,046,333 | 573 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 3,499 |
| Cost of funding earning assets | 0.6372% | 3,270 |
| Net interest margin | 3.3350% | 2,780 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 2.3675% | 2,616 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1853% | 1,973 |
| Return on assets (ROA) | 1.1854% | 1,935 |
| Pretax return on assets | 1.4348% | 1,800 |
| Return on Equity (ROE) | 14.8500% | 1,584 |
| Retained earnings to average equity (ytd only) | 2.3758% | 3,633 |
| Net charge-offs to loans | -0.0032% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.1295% | 2,679 |
| Assets per employee ($millions) | 5.7496% | 2,981 |
| Cash dividends to net income (ytd only)* | 84.0054% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,540 |
| Loan loss allowance to noncurrent loans | 2,590.3689% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,311 |
| Noncurrent loans to loans | 0.0384% | 3,469 |
| Net loans and leases to total assets | 61.8200% | 2,482 |
| Net loans and leases to deposits | 68.9716% | 2,693 |
| Net loans and leases to core deposits | 72.2868% | 2,799 |
| Total domestic deposits to total assets | 89.6300% | 1,289 |
| Equity capital to assets | 8.0080% | 3,236 |
| Core capital (leverage) ratio | 9.2508% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6715% | 1,737 |
| Memoranda: | ||
| Average total assets | $2,008,359,500 | 576 |
| Average earning assets | $1,875,127,500 | 555 |
| Average equity | $160,283,500 | 644 |
| Average total loans | $1,267,687,000 | 592 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5200% | 3,026 |
| Cost of funding earning assets | 0.2248% | 3,555 |
| Net interest margin | 3.2952% | 2,574 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.2821% | 2,800 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.2403% | 1,625 |
| Return on assets (ROA) | 1.2403% | 1,582 |
| Pretax return on assets | 1.5044% | 1,446 |
| Return on Equity (ROE) | 15.3300% | 1,182 |
| Retained earnings to average equity (ytd only) | 11.6178% | 759 |
| Net charge-offs to loans | -0.0210% | 4,077 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.8663% | 3,079 |
| Assets per employee ($millions) | 5.7100% | 3,024 |
| Cash dividends to net income (ytd only)* | 24.2131% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7789% | 4,076 |
| Loan loss allowance to noncurrent loans | 2,160.0877% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 3,336 |
| Noncurrent loans to loans | 0.0361% | 3,522 |
| Net loans and leases to total assets | 63.3300% | 2,302 |
| Net loans and leases to deposits | 71.5606% | 2,450 |
| Net loans and leases to core deposits | 74.4097% | 2,538 |
| Total domestic deposits to total assets | 88.4900% | 1,889 |
| Equity capital to assets | 7.9529% | 3,088 |
| Core capital (leverage) ratio | 9.3648% | 3,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7979% | 1,692 |
| Memoranda: | ||
| Average total assets | $1,997,891,200 | 548 |
| Average earning assets | $1,873,199,000 | 531 |
| Average equity | $161,648,800 | 634 |
| Average total loans | $1,259,312,600 | 554 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4041% | 2,908 |
| Cost of funding earning assets | 0.2015% | 3,253 |
| Net interest margin | 3.2026% | 2,613 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.2625% | 2,741 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.1872% | 1,747 |
| Return on assets (ROA) | 1.1872% | 1,722 |
| Pretax return on assets | 1.4374% | 1,606 |
| Return on Equity (ROE) | 14.6100% | 1,257 |
| Retained earnings to average equity (ytd only) | 12.1529% | 761 |
| Net charge-offs to loans | -0.0036% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.5409% | 3,049 |
| Assets per employee ($millions) | 5.7737% | 2,962 |
| Cash dividends to net income (ytd only)* | 16.8284% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 4,129 |
| Loan loss allowance to noncurrent loans | 1,612.8333% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 3,462 |
| Noncurrent loans to loans | 0.0485% | 3,529 |
| Net loans and leases to total assets | 60.9100% | 2,411 |
| Net loans and leases to deposits | 68.1763% | 2,522 |
| Net loans and leases to core deposits | 70.9462% | 2,571 |
| Total domestic deposits to total assets | 89.3500% | 1,940 |
| Equity capital to assets | 7.3423% | 3,307 |
| Core capital (leverage) ratio | 9.0702% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8329% | 1,759 |
| Memoranda: | ||
| Average total assets | $2,002,022,250 | 548 |
| Average earning assets | $1,879,827,000 | 530 |
| Average equity | $162,667,000 | 639 |
| Average total loans | $1,258,002,750 | 549 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2920% | 2,768 |
| Cost of funding earning assets | 0.2025% | 2,884 |
| Net interest margin | 3.0895% | 2,564 |
| Noninterest income to average assets | 0.7519% | 1,169 |
| Noninterest expense to average assets | 2.2380% | 2,738 |
| Loan and lease loss provision to assets | 0.0523% | 1,644 |
| Net operating income to assets | 1.1325% | 1,656 |
| Return on assets (ROA) | 1.1325% | 1,633 |
| Pretax return on assets | 1.3684% | 1,522 |
| Return on Equity (ROE) | 13.5010% | 1,244 |
| Retained earnings to average equity (ytd only) | 11.3527% | 726 |
| Net charge-offs to loans | -0.0119% | 3,641 |
| Credit loss provision to net charge-offs | -696.0000% | 3,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1482% | 3,161 |
| Assets per employee ($millions) | 5.8286% | 2,893 |
| Cash dividends to net income (ytd only)* | 15.9123% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 4,236 |
| Loan loss allowance to noncurrent loans | 1,471.9272% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,486 |
| Noncurrent loans to loans | 0.0518% | 3,561 |
| Net loans and leases to total assets | 63.1806% | 1,997 |
| Net loans and leases to deposits | 71.3620% | 2,078 |
| Net loans and leases to core deposits | 74.1495% | 2,157 |
| Total domestic deposits to total assets | 88.5354% | 2,370 |
| Equity capital to assets | 8.0363% | 3,096 |
| Core capital (leverage) ratio | 8.9909% | 3,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2232% | 1,969 |
| Memoranda: | ||
| Average total assets | $1,997,692,333 | 547 |
| Average earning assets | $1,879,506,333 | 535 |
| Average equity | $167,573,000 | 631 |
| Average total loans | $1,264,975,667 | 540 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1478% | 2,834 |
| Cost of funding earning assets | 0.2142% | 2,608 |
| Net interest margin | 2.9336% | 2,725 |
| Noninterest income to average assets | 0.7471% | 1,180 |
| Noninterest expense to average assets | 2.2108% | 2,810 |
| Loan and lease loss provision to assets | 0.0074% | 2,180 |
| Net operating income to assets | 1.0720% | 1,615 |
| Return on assets (ROA) | 1.0720% | 1,607 |
| Pretax return on assets | 1.2920% | 1,532 |
| Return on Equity (ROE) | 12.5172% | 1,151 |
| Retained earnings to average equity (ytd only) | 10.6462% | 863 |
| Net charge-offs to loans | -0.0203% | 3,922 |
| Credit loss provision to net charge-offs | -57.8125% | 2,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9594% | 3,151 |
| Assets per employee ($millions) | 5.7476% | 3,060 |
| Cash dividends to net income (ytd only)* | 14.9477% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 4,312 |
| Loan loss allowance to noncurrent loans | 1,232.1285% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,523 |
| Noncurrent loans to loans | 0.0613% | 3,549 |
| Net loans and leases to total assets | 60.1555% | 2,047 |
| Net loans and leases to deposits | 68.1878% | 2,135 |
| Net loans and leases to core deposits | 71.0779% | 2,201 |
| Total domestic deposits to total assets | 88.2203% | 2,420 |
| Equity capital to assets | 8.1628% | 3,438 |
| Core capital (leverage) ratio | 8.7381% | 3,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5561% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,996,931,500 | 551 |
| Average earning assets | $1,880,833,500 | 544 |
| Average equity | $171,028,500 | 636 |
| Average total loans | $1,261,055,500 | 538 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2453% | 3,355 |
| Cost of funding earning assets | 0.3643% | 1,815 |
| Net interest margin | 2.8810% | 3,489 |
| Noninterest income to average assets | 0.7348% | 1,645 |
| Noninterest expense to average assets | 2.1488% | 3,232 |
| Loan and lease loss provision to assets | -0.0262% | 4,254 |
| Net operating income to assets | 1.0994% | 2,298 |
| Return on assets (ROA) | 1.0994% | 2,362 |
| Pretax return on assets | 1.3192% | 2,300 |
| Return on Equity (ROE) | 12.6408% | 1,592 |
| Retained earnings to average equity (ytd only) | 10.5450% | 795 |
| Net charge-offs to loans | 0.0099% | 2,187 |
| Credit loss provision to net charge-offs | -421.1382% | 3,718 |
| Earnings coverage of net charge-offs (x) | 207.6098% | 526 |
| Efficiency ratio | 62.3906% | 2,802 |
| Assets per employee ($millions) | 6.0066% | 2,770 |
| Cash dividends to net income (ytd only)* | 16.5799% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6987% | 4,419 |
| Loan loss allowance to noncurrent loans | 678.3159% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,367 |
| Noncurrent loans to loans | 0.1030% | 3,411 |
| Net loans and leases to total assets | 65.2648% | 1,558 |
| Net loans and leases to deposits | 75.1083% | 1,634 |
| Net loans and leases to core deposits | 78.6988% | 1,709 |
| Total domestic deposits to total assets | 86.8942% | 2,565 |
| Equity capital to assets | 8.9723% | 3,647 |
| Core capital (leverage) ratio | 8.5445% | 3,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5974% | 2,412 |
| Memoranda: | ||
| Average total assets | $1,974,977,000 | 540 |
| Average earning assets | $1,855,700,200 | 533 |
| Average equity | $171,769,400 | 627 |
| Average total loans | $1,239,786,000 | 550 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2471% | 3,522 |
| Cost of funding earning assets | 0.3933% | 1,755 |
| Net interest margin | 2.8538% | 3,643 |
| Noninterest income to average assets | 0.7264% | 1,746 |
| Noninterest expense to average assets | 2.1336% | 3,270 |
| Loan and lease loss provision to assets | -0.0405% | 4,426 |
| Net operating income to assets | 1.0955% | 2,573 |
| Return on assets (ROA) | 1.0955% | 2,629 |
| Pretax return on assets | 1.3142% | 2,588 |
| Return on Equity (ROE) | 12.6963% | 1,801 |
| Retained earnings to average equity (ytd only) | 10.5035% | 1,172 |
| Net charge-offs to loans | 0.0057% | 2,118 |
| Credit loss provision to net charge-offs | -1,151.9231% | 3,887 |
| Earnings coverage of net charge-offs (x) | 362.5000% | 386 |
| Efficiency ratio | 62.5741% | 2,600 |
| Assets per employee ($millions) | 5.8789% | 2,807 |
| Cash dividends to net income (ytd only)* | 17.2712% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 4,456 |
| Loan loss allowance to noncurrent loans | 295.5151% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 2,946 |
| Noncurrent loans to loans | 0.2463% | 2,950 |
| Net loans and leases to total assets | 60.9747% | 2,138 |
| Net loans and leases to deposits | 72.1688% | 2,037 |
| Net loans and leases to core deposits | 75.7405% | 2,072 |
| Total domestic deposits to total assets | 84.4891% | 3,303 |
| Equity capital to assets | 8.6366% | 4,113 |
| Core capital (leverage) ratio | 8.3234% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6434% | 2,487 |
| Memoranda: | ||
| Average total assets | $1,973,174,750 | 545 |
| Average earning assets | $1,853,615,750 | 534 |
| Average equity | $170,249,750 | 639 |
| Average total loans | $1,224,039,500 | 564 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 3,518 |
| Cost of funding earning assets | 0.4264% | 1,687 |
| Net interest margin | 2.8408% | 3,698 |
| Noninterest income to average assets | 0.7390% | 1,690 |
| Noninterest expense to average assets | 2.1234% | 3,324 |
| Loan and lease loss provision to assets | -0.0504% | 4,519 |
| Net operating income to assets | 1.1143% | 2,490 |
| Return on assets (ROA) | 1.1143% | 2,557 |
| Pretax return on assets | 1.3344% | 2,538 |
| Return on Equity (ROE) | 12.9185% | 1,749 |
| Retained earnings to average equity (ytd only) | 10.5438% | 1,238 |
| Net charge-offs to loans | -0.0178% | 3,936 |
| Credit loss provision to net charge-offs | 455.5556% | 711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2716% | 2,691 |
| Assets per employee ($millions) | 5.8143% | 2,792 |
| Cash dividends to net income (ytd only)* | 18.3824% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 4,405 |
| Loan loss allowance to noncurrent loans | 281.1655% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 2,990 |
| Noncurrent loans to loans | 0.2756% | 2,955 |
| Net loans and leases to total assets | 60.4486% | 2,373 |
| Net loans and leases to deposits | 71.9838% | 2,207 |
| Net loans and leases to core deposits | 75.8542% | 2,252 |
| Total domestic deposits to total assets | 83.9753% | 3,449 |
| Equity capital to assets | 8.6995% | 4,049 |
| Core capital (leverage) ratio | 8.2810% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2454% | 2,269 |
| Memoranda: | ||
| Average total assets | $1,952,869,667 | 541 |
| Average earning assets | $1,834,397,333 | 535 |
| Average equity | $168,441,000 | 642 |
| Average total loans | $1,215,594,667 | 566 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3657% | 3,295 |
| Cost of funding earning assets | 0.4561% | 1,675 |
| Net interest margin | 2.9096% | 3,487 |
| Noninterest income to average assets | 0.7674% | 1,670 |
| Noninterest expense to average assets | 2.1792% | 3,170 |
| Loan and lease loss provision to assets | -0.1079% | 4,727 |
| Net operating income to assets | 1.1916% | 2,178 |
| Return on assets (ROA) | 1.1916% | 2,251 |
| Pretax return on assets | 1.4269% | 2,200 |
| Return on Equity (ROE) | 13.8757% | 1,462 |
| Retained earnings to average equity (ytd only) | 10.7511% | 1,460 |
| Net charge-offs to loans | -0.0164% | 3,901 |
| Credit loss provision to net charge-offs | 1,046.0000% | 406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2551% | 2,714 |
| Assets per employee ($millions) | 5.7206% | 2,890 |
| Cash dividends to net income (ytd only)* | 22.5186% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 4,447 |
| Loan loss allowance to noncurrent loans | 204.5675% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2551% | 2,866 |
| Noncurrent loans to loans | 0.3783% | 2,741 |
| Net loans and leases to total assets | 60.4004% | 2,486 |
| Net loans and leases to deposits | 72.1982% | 2,292 |
| Net loans and leases to core deposits | 76.8943% | 2,277 |
| Total domestic deposits to total assets | 83.6590% | 3,530 |
| Equity capital to assets | 8.4998% | 4,116 |
| Core capital (leverage) ratio | 8.2536% | 4,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9654% | 2,301 |
| Memoranda: | ||
| Average total assets | $1,937,974,500 | 537 |
| Average earning assets | $1,818,804,000 | 534 |
| Average equity | $166,420,500 | 643 |
| Average total loans | $1,219,466,500 | 564 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7222% | 3,519 |
| Cost of funding earning assets | 0.7988% | 1,218 |
| Net interest margin | 2.9234% | 4,068 |
| Noninterest income to average assets | 0.7942% | 1,550 |
| Noninterest expense to average assets | 2.7149% | 2,197 |
| Loan and lease loss provision to assets | 0.0903% | 3,236 |
| Net operating income to assets | 0.6606% | 3,557 |
| Return on assets (ROA) | 0.6641% | 3,671 |
| Pretax return on assets | 0.7292% | 3,818 |
| Return on Equity (ROE) | 7.4393% | 3,025 |
| Retained earnings to average equity (ytd only) | 1.7915% | 3,910 |
| Net charge-offs to loans | -0.0113% | 4,284 |
| Credit loss provision to net charge-offs | -1,189.2857% | 4,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8234% | 1,137 |
| Assets per employee ($millions) | 5.6160% | 2,725 |
| Cash dividends to net income (ytd only)* | 75.9184% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,451 |
| Loan loss allowance to noncurrent loans | 183.3992% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 2,754 |
| Noncurrent loans to loans | 0.4281% | 2,694 |
| Net loans and leases to total assets | 64.4852% | 2,299 |
| Net loans and leases to deposits | 78.4572% | 2,028 |
| Net loans and leases to core deposits | 85.0245% | 1,952 |
| Total domestic deposits to total assets | 82.1916% | 3,624 |
| Equity capital to assets | 8.6714% | 4,319 |
| Core capital (leverage) ratio | 7.9726% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0471% | 2,611 |
| Memoranda: | ||
| Average total assets | $1,844,665,600 | 515 |
| Average earning assets | $1,726,620,800 | 507 |
| Average equity | $164,665,800 | 621 |
| Average total loans | $1,240,699,000 | 529 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 3,742 |
| Cost of funding earning assets | 0.8526% | 1,247 |
| Net interest margin | 2.8738% | 4,225 |
| Noninterest income to average assets | 0.7718% | 1,591 |
| Noninterest expense to average assets | 2.3134% | 3,386 |
| Loan and lease loss provision to assets | 0.1028% | 3,034 |
| Net operating income to assets | 0.9176% | 2,633 |
| Return on assets (ROA) | 0.9221% | 2,751 |
| Pretax return on assets | 1.0513% | 2,905 |
| Return on Equity (ROE) | 10.2536% | 1,930 |
| Retained earnings to average equity (ytd only) | 5.2265% | 2,459 |
| Net charge-offs to loans | -0.0170% | 4,374 |
| Credit loss provision to net charge-offs | -891.7722% | 3,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7383% | 2,363 |
| Assets per employee ($millions) | 5.6694% | 2,562 |
| Cash dividends to net income (ytd only)* | 49.0274% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7268% | 4,528 |
| Loan loss allowance to noncurrent loans | 192.1957% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 2,969 |
| Noncurrent loans to loans | 0.3781% | 2,933 |
| Net loans and leases to total assets | 67.5600% | 2,305 |
| Net loans and leases to deposits | 86.7931% | 1,611 |
| Net loans and leases to core deposits | 93.9404% | 1,644 |
| Total domestic deposits to total assets | 77.8403% | 4,221 |
| Equity capital to assets | 8.8322% | 4,231 |
| Core capital (leverage) ratio | 8.3673% | 4,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9810% | 2,617 |
| Memoranda: | ||
| Average total assets | $1,828,472,250 | 510 |
| Average earning assets | $1,711,806,500 | 500 |
| Average equity | $164,438,500 | 614 |
| Average total loans | $1,240,611,250 | 521 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 3,820 |
| Cost of funding earning assets | 0.9211% | 1,273 |
| Net interest margin | 2.8953% | 4,313 |
| Noninterest income to average assets | 0.7217% | 1,662 |
| Noninterest expense to average assets | 2.3393% | 3,431 |
| Loan and lease loss provision to assets | 0.0994% | 3,033 |
| Net operating income to assets | 0.8875% | 2,740 |
| Return on assets (ROA) | 0.8946% | 2,827 |
| Pretax return on assets | 1.0025% | 3,024 |
| Return on Equity (ROE) | 9.8839% | 2,020 |
| Retained earnings to average equity (ytd only) | 5.4577% | 2,291 |
| Net charge-offs to loans | -0.0074% | 4,119 |
| Credit loss provision to net charge-offs | -1,984.4444% | 3,887 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0517% | 2,227 |
| Assets per employee ($millions) | 5.3229% | 2,813 |
| Cash dividends to net income (ytd only)* | 44.7817% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6882% | 4,592 |
| Loan loss allowance to noncurrent loans | 165.2765% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 2,965 |
| Noncurrent loans to loans | 0.4164% | 2,919 |
| Net loans and leases to total assets | 68.7567% | 2,221 |
| Net loans and leases to deposits | 88.8827% | 1,462 |
| Net loans and leases to core deposits | 95.8404% | 1,590 |
| Total domestic deposits to total assets | 77.3566% | 4,273 |
| Equity capital to assets | 9.0032% | 4,085 |
| Core capital (leverage) ratio | 8.4846% | 4,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9827% | 2,622 |
| Memoranda: | ||
| Average total assets | $1,797,315,333 | 511 |
| Average earning assets | $1,683,214,000 | 501 |
| Average equity | $162,668,333 | 619 |
| Average total loans | $1,218,158,000 | 522 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9318% | 3,973 |
| Cost of funding earning assets | 1.0166% | 1,352 |
| Net interest margin | 2.9153% | 4,409 |
| Noninterest income to average assets | 0.7139% | 1,595 |
| Noninterest expense to average assets | 2.4173% | 3,500 |
| Loan and lease loss provision to assets | 0.1786% | 1,667 |
| Net operating income to assets | 0.7761% | 2,991 |
| Return on assets (ROA) | 0.7910% | 3,024 |
| Pretax return on assets | 0.8626% | 3,245 |
| Return on Equity (ROE) | 8.7151% | 2,227 |
| Retained earnings to average equity (ytd only) | 4.3438% | 2,558 |
| Net charge-offs to loans | 0.0101% | 2,212 |
| Credit loss provision to net charge-offs | 2,626.6667% | 283 |
| Earnings coverage of net charge-offs (x) | 150.7333% | 429 |
| Efficiency ratio | 70.1350% | 2,331 |
| Assets per employee ($millions) | 4.9178% | 2,730 |
| Cash dividends to net income (ytd only)* | 50.1576% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 4,540 |
| Loan loss allowance to noncurrent loans | 125.1007% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 2,750 |
| Noncurrent loans to loans | 0.5906% | 2,528 |
| Net loans and leases to total assets | 66.1840% | 2,799 |
| Net loans and leases to deposits | 88.3471% | 1,720 |
| Net loans and leases to core deposits | 97.3895% | 1,688 |
| Total domestic deposits to total assets | 74.9136% | 4,590 |
| Equity capital to assets | 9.2539% | 4,426 |
| Core capital (leverage) ratio | 8.6855% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8024% | 2,792 |
| Memoranda: | ||
| Average total assets | $1,764,457,000 | 503 |
| Average earning assets | $1,651,441,000 | 495 |
| Average equity | $160,136,500 | 620 |
| Average total loans | $1,182,319,000 | 517 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0905% | 4,062 |
| Cost of funding earning assets | 1.0826% | 1,395 |
| Net interest margin | 3.0078% | 4,505 |
| Noninterest income to average assets | 0.6788% | 1,888 |
| Noninterest expense to average assets | 2.3737% | 3,753 |
| Loan and lease loss provision to assets | 0.0017% | 3,955 |
| Net operating income to assets | 0.9752% | 2,928 |
| Return on assets (ROA) | 0.9755% | 3,010 |
| Pretax return on assets | 1.1096% | 3,136 |
| Return on Equity (ROE) | 11.4009% | 1,731 |
| Retained earnings to average equity (ytd only) | 6.2412% | 1,748 |
| Net charge-offs to loans | 0.0399% | 2,585 |
| Credit loss provision to net charge-offs | 6.4378% | 3,369 |
| Earnings coverage of net charge-offs (x) | 42.1223% | 1,266 |
| Efficiency ratio | 68.0012% | 2,458 |
| Assets per employee ($millions) | 4.9258% | 2,677 |
| Cash dividends to net income (ytd only)* | 45.2567% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 4,623 |
| Loan loss allowance to noncurrent loans | 121.4843% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 2,801 |
| Noncurrent loans to loans | 0.5503% | 2,525 |
| Net loans and leases to total assets | 66.8886% | 2,849 |
| Net loans and leases to deposits | 89.6605% | 1,634 |
| Net loans and leases to core deposits | 98.9304% | 1,658 |
| Total domestic deposits to total assets | 74.6021% | 4,733 |
| Equity capital to assets | 8.8973% | 4,735 |
| Core capital (leverage) ratio | 8.5415% | 4,824 |
| Tier 1 risk-based capital ratio | 11.8600% | 4,442 |
| Total risk-based capital ratio | 12.4874% | 4,654 |
| Memoranda: | ||
| Average total assets | $1,766,834,600 | 482 |
| Average earning assets | $1,648,199,600 | 468 |
| Average equity | $151,172,800 | 620 |
| Average total loans | $1,166,644,800 | 505 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 4,180 |
| Cost of funding earning assets | 1.0807% | 1,426 |
| Net interest margin | 3.0088% | 4,610 |
| Noninterest income to average assets | 0.6794% | 1,868 |
| Noninterest expense to average assets | 2.3633% | 3,787 |
| Loan and lease loss provision to assets | 0.0036% | 3,795 |
| Net operating income to assets | 0.9843% | 3,035 |
| Return on assets (ROA) | 0.9847% | 3,114 |
| Pretax return on assets | 1.1177% | 3,252 |
| Return on Equity (ROE) | 11.6242% | 1,749 |
| Retained earnings to average equity (ytd only) | 6.7270% | 1,996 |
| Net charge-offs to loans | 0.0292% | 2,507 |
| Credit loss provision to net charge-offs | 18.8976% | 2,971 |
| Earnings coverage of net charge-offs (x) | 58.5076% | 1,067 |
| Efficiency ratio | 67.7101% | 2,468 |
| Assets per employee ($millions) | 5.0029% | 2,564 |
| Cash dividends to net income (ytd only)* | 42.1295% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6843% | 4,682 |
| Loan loss allowance to noncurrent loans | 116.6833% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 2,803 |
| Noncurrent loans to loans | 0.5865% | 2,528 |
| Net loans and leases to total assets | 67.3220% | 2,885 |
| Net loans and leases to deposits | 90.3931% | 1,649 |
| Net loans and leases to core deposits | 101.1108% | 1,575 |
| Total domestic deposits to total assets | 74.4769% | 4,783 |
| Equity capital to assets | 8.8772% | 4,837 |
| Core capital (leverage) ratio | 8.5307% | 4,936 |
| Tier 1 risk-based capital ratio | 11.6875% | 4,574 |
| Total risk-based capital ratio | 12.3268% | 4,766 |
| Memoranda: | ||
| Average total assets | $1,767,685,250 | 477 |
| Average earning assets | $1,647,841,000 | 466 |
| Average equity | $149,741,750 | 623 |
| Average total loans | $1,161,437,500 | 509 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 4,298 |
| Cost of funding earning assets | 1.0674% | 1,426 |
| Net interest margin | 2.9732% | 4,728 |
| Noninterest income to average assets | 0.6456% | 1,943 |
| Noninterest expense to average assets | 2.3675% | 3,824 |
| Loan and lease loss provision to assets | -0.0164% | 5,130 |
| Net operating income to assets | 0.9464% | 3,105 |
| Return on assets (ROA) | 0.9464% | 3,172 |
| Pretax return on assets | 1.0674% | 3,332 |
| Return on Equity (ROE) | 11.3524% | 1,844 |
| Retained earnings to average equity (ytd only) | 7.1503% | 1,740 |
| Net charge-offs to loans | 0.0335% | 2,193 |
| Credit loss provision to net charge-offs | -75.1295% | 3,865 |
| Earnings coverage of net charge-offs (x) | 48.1917% | 1,119 |
| Efficiency ratio | 69.1293% | 2,363 |
| Assets per employee ($millions) | 4.8412% | 2,682 |
| Cash dividends to net income (ytd only)* | 37.0149% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 4,743 |
| Loan loss allowance to noncurrent loans | 97.8094% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4946% | 2,570 |
| Noncurrent loans to loans | 0.6975% | 2,232 |
| Net loans and leases to total assets | 66.0285% | 3,101 |
| Net loans and leases to deposits | 91.1358% | 1,606 |
| Net loans and leases to core deposits | 102.5951% | 1,512 |
| Total domestic deposits to total assets | 72.4506% | 4,946 |
| Equity capital to assets | 8.6163% | 5,000 |
| Core capital (leverage) ratio | 8.4074% | 5,007 |
| Tier 1 risk-based capital ratio | 11.5838% | 4,642 |
| Total risk-based capital ratio | 12.2170% | 4,841 |
| Memoranda: | ||
| Average total assets | $1,769,910,670 | 476 |
| Average earning assets | $1,650,693,670 | 469 |
| Average equity | $147,546,330 | 626 |
| Average total loans | $1,150,678,330 | 513 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 4,357 |
| Cost of funding earning assets | 1.0398% | 1,411 |
| Net interest margin | 2.9650% | 4,796 |
| Noninterest income to average assets | 0.6130% | 1,989 |
| Noninterest expense to average assets | 2.3757% | 3,831 |
| Loan and lease loss provision to assets | 0.0077% | 3,337 |
| Net operating income to assets | 0.8885% | 3,279 |
| Return on assets (ROA) | 0.8885% | 3,332 |
| Pretax return on assets | 0.9934% | 3,455 |
| Return on Equity (ROE) | 10.8398% | 2,007 |
| Retained earnings to average equity (ytd only) | 8.0809% | 1,628 |
| Net charge-offs to loans | 0.0039% | 2,586 |
| Credit loss provision to net charge-offs | 309.0909% | 804 |
| Earnings coverage of net charge-offs (x) | 402.4545% | 195 |
| Efficiency ratio | 70.2270% | 2,301 |
| Assets per employee ($millions) | 4.7014% | 2,918 |
| Cash dividends to net income (ytd only)* | 25.4518% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7335% | 4,710 |
| Loan loss allowance to noncurrent loans | 115.1989% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 2,812 |
| Noncurrent loans to loans | 0.6367% | 2,421 |
| Net loans and leases to total assets | 64.8137% | 3,191 |
| Net loans and leases to deposits | 88.7210% | 1,776 |
| Net loans and leases to core deposits | 99.0970% | 1,698 |
| Total domestic deposits to total assets | 73.0534% | 4,994 |
| Equity capital to assets | 8.3580% | 5,060 |
| Core capital (leverage) ratio | 8.2279% | 5,127 |
| Tier 1 risk-based capital ratio | 11.5689% | 4,707 |
| Total risk-based capital ratio | 12.2405% | 4,884 |
| Memoranda: | ||
| Average total assets | $1,768,918,000 | 479 |
| Average earning assets | $1,648,824,000 | 468 |
| Average equity | $144,984,000 | 636 |
| Average total loans | $1,137,021,000 | 517 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8638% | 4,358 |
| Cost of funding earning assets | 0.9423% | 957 |
| Net interest margin | 2.9214% | 4,885 |
| Noninterest income to average assets | 0.6032% | 2,277 |
| Noninterest expense to average assets | 2.2047% | 4,330 |
| Loan and lease loss provision to assets | 0.0552% | 3,066 |
| Net operating income to assets | 0.9535% | 3,209 |
| Return on assets (ROA) | 0.9515% | 3,218 |
| Pretax return on assets | 1.0705% | 3,373 |
| Return on Equity (ROE) | 11.9195% | 1,743 |
| Retained earnings to average equity (ytd only) | 2.6582% | 4,074 |
| Net charge-offs to loans | 0.0270% | 2,872 |
| Credit loss provision to net charge-offs | 322.7723% | 970 |
| Earnings coverage of net charge-offs (x) | 65.9670% | 966 |
| Efficiency ratio | 65.9933% | 2,878 |
| Assets per employee ($millions) | 5.3742% | 2,086 |
| Cash dividends to net income (ytd only)* | 77.6987% | 780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7418% | 4,703 |
| Loan loss allowance to noncurrent loans | 113.5901% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.4408% | 2,802 |
| Noncurrent loans to loans | 0.6530% | 2,367 |
| Net loans and leases to total assets | 62.8110% | 3,484 |
| Net loans and leases to deposits | 86.4972% | 2,215 |
| Net loans and leases to core deposits | 96.8148% | 1,982 |
| Total domestic deposits to total assets | 72.6162% | 5,036 |
| Equity capital to assets | 8.0371% | 5,152 |
| Core capital (leverage) ratio | 8.0709% | 5,217 |
| Tier 1 risk-based capital ratio | 11.7488% | 4,593 |
| Total risk-based capital ratio | 12.4348% | 4,781 |
| Memoranda: | ||
| Average total assets | $1,772,008,800 | 463 |
| Average earning assets | $1,655,582,000 | 454 |
| Average equity | $141,449,000 | 616 |
| Average total loans | $1,122,284,400 | 509 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8167% | 4,401 |
| Cost of funding earning assets | 0.9157% | 861 |
| Net interest margin | 2.9010% | 4,974 |
| Noninterest income to average assets | 0.5914% | 2,361 |
| Noninterest expense to average assets | 2.1976% | 4,329 |
| Loan and lease loss provision to assets | 0.0479% | 3,035 |
| Net operating income to assets | 0.9487% | 3,311 |
| Return on assets (ROA) | 0.9460% | 3,328 |
| Pretax return on assets | 1.0539% | 3,563 |
| Return on Equity (ROE) | 11.8715% | 1,837 |
| Retained earnings to average equity (ytd only) | 1.5616% | 4,706 |
| Net charge-offs to loans | 0.0281% | 2,538 |
| Credit loss provision to net charge-offs | 269.4915% | 1,112 |
| Earnings coverage of net charge-offs (x) | 62.1099% | 1,039 |
| Efficiency ratio | 66.3791% | 2,802 |
| Assets per employee ($millions) | 5.4302% | 1,983 |
| Cash dividends to net income (ytd only)* | 86.8457% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7088% | 4,859 |
| Loan loss allowance to noncurrent loans | 109.3265% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 2,935 |
| Noncurrent loans to loans | 0.6484% | 2,470 |
| Net loans and leases to total assets | 63.7040% | 3,462 |
| Net loans and leases to deposits | 88.6771% | 2,068 |
| Net loans and leases to core deposits | 103.1747% | 1,517 |
| Total domestic deposits to total assets | 71.8381% | 5,141 |
| Equity capital to assets | 7.7091% | 5,266 |
| Core capital (leverage) ratio | 7.8873% | 5,341 |
| Tier 1 risk-based capital ratio | 11.3892% | 4,848 |
| Total risk-based capital ratio | 12.0421% | 5,033 |
| Memoranda: | ||
| Average total assets | $1,768,954,250 | 460 |
| Average earning assets | $1,653,112,500 | 455 |
| Average equity | $140,961,000 | 613 |
| Average total loans | $1,120,589,250 | 505 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 4,484 |
| Cost of funding earning assets | 0.8645% | 855 |
| Net interest margin | 2.8783% | 5,045 |
| Noninterest income to average assets | 0.5784% | 2,436 |
| Noninterest expense to average assets | 2.1474% | 4,493 |
| Loan and lease loss provision to assets | 0.0807% | 2,299 |
| Net operating income to assets | 0.9378% | 3,286 |
| Return on assets (ROA) | 0.9338% | 3,311 |
| Pretax return on assets | 1.0367% | 3,549 |
| Return on Equity (ROE) | 11.5910% | 1,878 |
| Retained earnings to average equity (ytd only) | 3.1510% | 3,991 |
| Net charge-offs to loans | 0.0381% | 2,092 |
| Credit loss provision to net charge-offs | 335.8491% | 929 |
| Earnings coverage of net charge-offs (x) | 46.6981% | 1,177 |
| Efficiency ratio | 65.5113% | 3,060 |
| Assets per employee ($millions) | 5.1888% | 2,204 |
| Cash dividends to net income (ytd only)* | 72.8155% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 4,923 |
| Loan loss allowance to noncurrent loans | 123.3825% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 3,192 |
| Noncurrent loans to loans | 0.5763% | 2,694 |
| Net loans and leases to total assets | 64.1459% | 3,381 |
| Net loans and leases to deposits | 89.5780% | 1,901 |
| Net loans and leases to core deposits | 104.3129% | 1,373 |
| Total domestic deposits to total assets | 71.6090% | 5,204 |
| Equity capital to assets | 7.8367% | 5,288 |
| Core capital (leverage) ratio | 8.0913% | 5,315 |
| Tier 1 risk-based capital ratio | 11.2603% | 4,917 |
| Total risk-based capital ratio | 11.9112% | 5,105 |
| Memoranda: | ||
| Average total assets | $1,764,901,000 | 462 |
| Average earning assets | $1,649,994,330 | 452 |
| Average equity | $142,178,670 | 601 |
| Average total loans | $1,113,205,670 | 507 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,481 |
| Cost of funding earning assets | 0.8281% | 841 |
| Net interest margin | 2.8647% | 5,075 |
| Noninterest income to average assets | 0.5692% | 2,427 |
| Noninterest expense to average assets | 2.1050% | 4,651 |
| Loan and lease loss provision to assets | 0.0875% | 2,051 |
| Net operating income to assets | 0.9511% | 3,071 |
| Return on assets (ROA) | 0.9507% | 3,090 |
| Pretax return on assets | 1.0540% | 3,341 |
| Return on Equity (ROE) | 11.6405% | 1,707 |
| Retained earnings to average equity (ytd only) | 5.7798% | 2,819 |
| Net charge-offs to loans | -0.0424% | 4,897 |
| Credit loss provision to net charge-offs | -331.0345% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6543% | 3,379 |
| Assets per employee ($millions) | 5.1433% | 2,311 |
| Cash dividends to net income (ytd only)* | 50.3476% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7500% | 4,918 |
| Loan loss allowance to noncurrent loans | 118.8061% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 3,175 |
| Noncurrent loans to loans | 0.6313% | 2,653 |
| Net loans and leases to total assets | 62.0543% | 3,540 |
| Net loans and leases to deposits | 83.4938% | 2,453 |
| Net loans and leases to core deposits | 98.4086% | 1,811 |
| Total domestic deposits to total assets | 74.3220% | 5,119 |
| Equity capital to assets | 8.0758% | 5,243 |
| Core capital (leverage) ratio | 8.1877% | 5,321 |
| Tier 1 risk-based capital ratio | 11.6372% | 4,780 |
| Total risk-based capital ratio | 12.3109% | 5,003 |
| Memoranda: | ||
| Average total assets | $1,754,872,000 | 469 |
| Average earning assets | $1,640,369,000 | 457 |
| Average equity | $143,327,000 | 594 |
| Average total loans | $1,093,219,500 | 517 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6378% | 4,485 |
| Cost of funding earning assets | 0.7743% | 721 |
| Net interest margin | 2.8635% | 5,090 |
| Noninterest income to average assets | 0.6619% | 2,130 |
| Noninterest expense to average assets | 2.1784% | 4,571 |
| Loan and lease loss provision to assets | 0.0147% | 3,998 |
| Net operating income to assets | 0.9195% | 2,601 |
| Return on assets (ROA) | 0.9261% | 2,596 |
| Pretax return on assets | 1.1533% | 2,971 |
| Return on Equity (ROE) | 11.1580% | 1,415 |
| Retained earnings to average equity (ytd only) | 4.4367% | 2,493 |
| Net charge-offs to loans | -0.0045% | 4,620 |
| Credit loss provision to net charge-offs | -538.2979% | 4,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0507% | 3,435 |
| Assets per employee ($millions) | 5.5007% | 1,937 |
| Cash dividends to net income (ytd only)* | 60.2372% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7044% | 5,063 |
| Loan loss allowance to noncurrent loans | 225.0146% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 4,119 |
| Noncurrent loans to loans | 0.3131% | 3,661 |
| Net loans and leases to total assets | 61.6618% | 3,661 |
| Net loans and leases to deposits | 85.7437% | 2,291 |
| Net loans and leases to core deposits | 100.0373% | 1,711 |
| Total domestic deposits to total assets | 71.9141% | 5,326 |
| Equity capital to assets | 8.2163% | 5,294 |
| Core capital (leverage) ratio | 8.0198% | 5,431 |
| Tier 1 risk-based capital ratio | 11.5019% | 4,848 |
| Total risk-based capital ratio | 12.1387% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,720,890,800 | 461 |
| Average earning assets | $1,608,345,200 | 448 |
| Average equity | $142,830,400 | 567 |
| Average total loans | $1,049,792,400 | 515 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 4,517 |
| Cost of funding earning assets | 0.7527% | 747 |
| Net interest margin | 2.8650% | 5,136 |
| Noninterest income to average assets | 0.6577% | 2,174 |
| Noninterest expense to average assets | 2.1818% | 4,563 |
| Loan and lease loss provision to assets | 0.0066% | 3,995 |
| Net operating income to assets | 0.9226% | 2,909 |
| Return on assets (ROA) | 0.9315% | 2,934 |
| Pretax return on assets | 1.1586% | 3,077 |
| Return on Equity (ROE) | 11.1940% | 1,611 |
| Retained earnings to average equity (ytd only) | 4.4518% | 3,249 |
| Net charge-offs to loans | -0.0276% | 4,972 |
| Credit loss provision to net charge-offs | -39.5349% | 4,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1897% | 3,345 |
| Assets per employee ($millions) | 5.3781% | 2,038 |
| Cash dividends to net income (ytd only)* | 60.2309% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7138% | 5,108 |
| Loan loss allowance to noncurrent loans | 342.0702% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 4,567 |
| Noncurrent loans to loans | 0.2087% | 4,240 |
| Net loans and leases to total assets | 61.6579% | 3,694 |
| Net loans and leases to deposits | 87.9820% | 2,065 |
| Net loans and leases to core deposits | 102.0287% | 1,544 |
| Total domestic deposits to total assets | 70.0802% | 5,476 |
| Equity capital to assets | 8.3820% | 5,352 |
| Core capital (leverage) ratio | 7.9657% | 5,522 |
| Tier 1 risk-based capital ratio | 11.4697% | 4,976 |
| Total risk-based capital ratio | 12.1113% | 5,216 |
| Memoranda: | ||
| Average total assets | $1,711,061,000 | 465 |
| Average earning assets | $1,599,614,500 | 454 |
| Average equity | $142,382,000 | 573 |
| Average total loans | $1,038,971,000 | 521 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5689% | 4,595 |
| Cost of funding earning assets | 0.7342% | 745 |
| Net interest margin | 2.8347% | 5,194 |
| Noninterest income to average assets | 0.6597% | 2,171 |
| Noninterest expense to average assets | 2.1511% | 4,665 |
| Loan and lease loss provision to assets | 0.0042% | 3,818 |
| Net operating income to assets | 0.9277% | 2,774 |
| Return on assets (ROA) | 0.9410% | 2,771 |
| Pretax return on assets | 1.1708% | 2,892 |
| Return on Equity (ROE) | 11.3370% | 1,518 |
| Retained earnings to average equity (ytd only) | 5.2510% | 2,549 |
| Net charge-offs to loans | -0.0320% | 4,988 |
| Credit loss provision to net charge-offs | -21.9512% | 4,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7781% | 3,539 |
| Assets per employee ($millions) | 5.3183% | 2,037 |
| Cash dividends to net income (ytd only)* | 53.6829% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 5,151 |
| Loan loss allowance to noncurrent loans | 274.6657% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 4,518 |
| Noncurrent loans to loans | 0.2635% | 4,095 |
| Net loans and leases to total assets | 60.4940% | 3,793 |
| Net loans and leases to deposits | 86.0276% | 2,219 |
| Net loans and leases to core deposits | 99.4505% | 1,688 |
| Total domestic deposits to total assets | 70.3193% | 5,526 |
| Equity capital to assets | 8.3916% | 5,355 |
| Core capital (leverage) ratio | 7.9746% | 5,541 |
| Tier 1 risk-based capital ratio | 11.6935% | 4,845 |
| Total risk-based capital ratio | 12.3442% | 5,097 |
| Memoranda: | ||
| Average total assets | $1,702,369,670 | 470 |
| Average earning assets | $1,591,344,670 | 459 |
| Average equity | $141,307,000 | 578 |
| Average total loans | $1,025,701,000 | 528 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5096% | 4,667 |
| Cost of funding earning assets | 0.7129% | 788 |
| Net interest margin | 2.7967% | 5,243 |
| Noninterest income to average assets | 0.6735% | 2,069 |
| Noninterest expense to average assets | 2.1983% | 4,651 |
| Loan and lease loss provision to assets | 0.0064% | 3,481 |
| Net operating income to assets | 0.8839% | 2,842 |
| Return on assets (ROA) | 0.8839% | 2,892 |
| Pretax return on assets | 1.0832% | 3,051 |
| Return on Equity (ROE) | 10.7087% | 1,667 |
| Retained earnings to average equity (ytd only) | 5.8398% | 2,416 |
| Net charge-offs to loans | -0.0288% | 4,913 |
| Credit loss provision to net charge-offs | -36.9863% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6379% | 3,389 |
| Assets per employee ($millions) | 5.2985% | 2,078 |
| Cash dividends to net income (ytd only)* | 45.4667% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7391% | 5,229 |
| Loan loss allowance to noncurrent loans | 302.7856% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,673 |
| Noncurrent loans to loans | 0.2441% | 4,231 |
| Net loans and leases to total assets | 59.0338% | 3,882 |
| Net loans and leases to deposits | 81.7584% | 2,542 |
| Net loans and leases to core deposits | 95.2552% | 1,871 |
| Total domestic deposits to total assets | 72.2051% | 5,531 |
| Equity capital to assets | 8.2820% | 5,362 |
| Core capital (leverage) ratio | 8.0549% | 5,536 |
| Tier 1 risk-based capital ratio | 11.8214% | 4,835 |
| Total risk-based capital ratio | 12.4787% | 5,082 |
| Memoranda: | ||
| Average total assets | $1,691,997,500 | 475 |
| Average earning assets | $1,581,722,500 | 464 |
| Average equity | $139,662,000 | 579 |
| Average total loans | $1,013,561,500 | 533 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5042% | 4,766 |
| Cost of funding earning assets | 0.7064% | 793 |
| Net interest margin | 2.7978% | 5,293 |
| Noninterest income to average assets | 0.6917% | 2,212 |
| Noninterest expense to average assets | 2.1364% | 4,922 |
| Loan and lease loss provision to assets | -0.0082% | 5,486 |
| Net operating income to assets | 0.9636% | 2,523 |
| Return on assets (ROA) | 0.9374% | 2,755 |
| Pretax return on assets | 1.1445% | 2,919 |
| Return on Equity (ROE) | 10.9864% | 1,581 |
| Retained earnings to average equity (ytd only) | 5.7055% | 1,881 |
| Net charge-offs to loans | -0.0145% | 5,042 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3493% | 3,877 |
| Assets per employee ($millions) | 5.2930% | 2,067 |
| Cash dividends to net income (ytd only)* | 48.0676% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 5,292 |
| Loan loss allowance to noncurrent loans | 436.8359% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 4,899 |
| Noncurrent loans to loans | 0.1673% | 4,561 |
| Net loans and leases to total assets | 59.8993% | 3,866 |
| Net loans and leases to deposits | 83.9858% | 2,420 |
| Net loans and leases to core deposits | 105.1378% | 1,189 |
| Total domestic deposits to total assets | 71.3207% | 5,600 |
| Equity capital to assets | 8.2261% | 5,457 |
| Core capital (leverage) ratio | 8.0580% | 5,589 |
| Tier 1 risk-based capital ratio | 11.6934% | 4,928 |
| Total risk-based capital ratio | 12.3445% | 5,181 |
| Memoranda: | ||
| Average total assets | $1,642,273,800 | 469 |
| Average earning assets | $1,533,750,000 | 455 |
| Average equity | $140,127,400 | 565 |
| Average total loans | $929,314,000 | 549 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 4,829 |
| Cost of funding earning assets | 0.7009% | 810 |
| Net interest margin | 2.7913% | 5,372 |
| Noninterest income to average assets | 0.6539% | 2,401 |
| Noninterest expense to average assets | 2.1486% | 4,894 |
| Loan and lease loss provision to assets | 0.0151% | 3,944 |
| Net operating income to assets | 0.9000% | 2,904 |
| Return on assets (ROA) | 0.9164% | 2,950 |
| Pretax return on assets | 1.1177% | 3,158 |
| Return on Equity (ROE) | 10.6424% | 1,811 |
| Retained earnings to average equity (ytd only) | 5.3340% | 2,596 |
| Net charge-offs to loans | -0.0316% | 5,182 |
| Credit loss provision to net charge-offs | -86.0465% | 4,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5579% | 3,668 |
| Assets per employee ($millions) | 5.2037% | 2,141 |
| Cash dividends to net income (ytd only)* | 49.8798% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7878% | 5,222 |
| Loan loss allowance to noncurrent loans | 507.1521% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 5,036 |
| Noncurrent loans to loans | 0.1553% | 4,729 |
| Net loans and leases to total assets | 59.3587% | 3,963 |
| Net loans and leases to deposits | 83.4261% | 2,554 |
| Net loans and leases to core deposits | 104.6915% | 1,293 |
| Total domestic deposits to total assets | 71.1513% | 5,636 |
| Equity capital to assets | 8.7500% | 5,363 |
| Core capital (leverage) ratio | 8.0291% | 5,673 |
| Tier 1 risk-based capital ratio | 11.6039% | 5,029 |
| Total risk-based capital ratio | 12.2975% | 5,257 |
| Memoranda: | ||
| Average total assets | $1,633,373,750 | 471 |
| Average earning assets | $1,525,785,500 | 459 |
| Average equity | $140,653,500 | 566 |
| Average total loans | $908,533,750 | 555 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 4,944 |
| Cost of funding earning assets | 0.6954% | 826 |
| Net interest margin | 2.7738% | 5,474 |
| Noninterest income to average assets | 0.6110% | 2,568 |
| Noninterest expense to average assets | 2.1324% | 4,987 |
| Loan and lease loss provision to assets | 0.0207% | 3,725 |
| Net operating income to assets | 0.8680% | 3,015 |
| Return on assets (ROA) | 0.8930% | 3,019 |
| Pretax return on assets | 1.0777% | 3,293 |
| Return on Equity (ROE) | 10.4269% | 1,876 |
| Retained earnings to average equity (ytd only) | 5.2573% | 2,580 |
| Net charge-offs to loans | -0.0073% | 4,617 |
| Credit loss provision to net charge-offs | -525.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2901% | 3,631 |
| Assets per employee ($millions) | 5.1114% | 2,183 |
| Cash dividends to net income (ytd only)* | 49.5799% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 5,214 |
| Loan loss allowance to noncurrent loans | 642.9780% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 5,222 |
| Noncurrent loans to loans | 0.1284% | 4,924 |
| Net loans and leases to total assets | 56.0106% | 4,308 |
| Net loans and leases to deposits | 78.7484% | 3,081 |
| Net loans and leases to core deposits | 95.4963% | 2,021 |
| Total domestic deposits to total assets | 71.1260% | 5,722 |
| Equity capital to assets | 8.8545% | 5,355 |
| Core capital (leverage) ratio | 7.9147% | 5,775 |
| Tier 1 risk-based capital ratio | 12.1618% | 4,718 |
| Total risk-based capital ratio | 12.8810% | 4,974 |
| Memoranda: | ||
| Average total assets | $1,626,242,000 | 475 |
| Average earning assets | $1,518,284,670 | 462 |
| Average equity | $139,274,000 | 573 |
| Average total loans | $881,361,670 | 570 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4570% | 4,990 |
| Cost of funding earning assets | 0.6879% | 856 |
| Net interest margin | 2.7691% | 5,518 |
| Noninterest income to average assets | 0.6076% | 2,486 |
| Noninterest expense to average assets | 2.1198% | 5,078 |
| Loan and lease loss provision to assets | 0.0384% | 3,138 |
| Net operating income to assets | 0.8660% | 2,912 |
| Return on assets (ROA) | 0.8660% | 3,030 |
| Pretax return on assets | 1.0342% | 3,344 |
| Return on Equity (ROE) | 10.2865% | 1,857 |
| Retained earnings to average equity (ytd only) | 5.6055% | 2,576 |
| Net charge-offs to loans | 0.0260% | 2,419 |
| Credit loss provision to net charge-offs | 278.5714% | 892 |
| Earnings coverage of net charge-offs (x) | 77.7679% | 649 |
| Efficiency ratio | 66.0701% | 3,787 |
| Assets per employee ($millions) | 5.1318% | 2,204 |
| Cash dividends to net income (ytd only)* | 45.5063% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 5,186 |
| Loan loss allowance to noncurrent loans | 700.2801% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.0703% | 5,314 |
| Noncurrent loans to loans | 0.1229% | 4,983 |
| Net loans and leases to total assets | 52.9454% | 4,542 |
| Net loans and leases to deposits | 73.3816% | 3,514 |
| Net loans and leases to core deposits | 82.7149% | 3,063 |
| Total domestic deposits to total assets | 72.1509% | 5,760 |
| Equity capital to assets | 8.5837% | 5,508 |
| Core capital (leverage) ratio | 7.8838% | 5,817 |
| Tier 1 risk-based capital ratio | 12.3558% | 4,690 |
| Total risk-based capital ratio | 13.0869% | 4,928 |
| Memoranda: | ||
| Average total assets | $1,624,092,000 | 473 |
| Average earning assets | $1,516,003,000 | 463 |
| Average equity | $136,723,000 | 581 |
| Average total loans | $861,604,000 | 576 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5832% | 4,719 |
| Cost of funding earning assets | 0.7047% | 798 |
| Net interest margin | 2.8785% | 5,375 |
| Noninterest income to average assets | 0.6853% | 2,271 |
| Noninterest expense to average assets | 2.1734% | 5,108 |
| Loan and lease loss provision to assets | -0.1794% | 5,965 |
| Net operating income to assets | 1.0960% | 1,945 |
| Return on assets (ROA) | 1.1044% | 1,971 |
| Pretax return on assets | 1.3806% | 1,977 |
| Return on Equity (ROE) | 13.1436% | 1,023 |
| Retained earnings to average equity (ytd only) | 6.9812% | 1,286 |
| Net charge-offs to loans | -0.0085% | 5,074 |
| Credit loss provision to net charge-offs | 3,902.8169% | 95 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2802% | 4,203 |
| Assets per employee ($millions) | 5.0986% | 2,245 |
| Cash dividends to net income (ytd only)* | 46.8851% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8689% | 5,202 |
| Loan loss allowance to noncurrent loans | 934.3434% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 5,405 |
| Noncurrent loans to loans | 0.0930% | 5,125 |
| Net loans and leases to total assets | 52.2366% | 4,673 |
| Net loans and leases to deposits | 72.2255% | 3,692 |
| Net loans and leases to core deposits | 82.2345% | 3,121 |
| Total domestic deposits to total assets | 72.3243% | 5,777 |
| Equity capital to assets | 8.2515% | 5,735 |
| Core capital (leverage) ratio | 7.9272% | 5,871 |
| Tier 1 risk-based capital ratio | 12.3105% | 4,760 |
| Total risk-based capital ratio | 13.0398% | 4,998 |
| Memoranda: | ||
| Average total assets | $1,544,969,800 | 462 |
| Average earning assets | $1,437,790,400 | 450 |
| Average equity | $129,820,200 | 584 |
| Average total loans | $833,383,000 | 562 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8519% | 3,926 |
| Cost of funding earning assets | 0.7102% | 796 |
| Net interest margin | 3.1418% | 4,839 |
| Noninterest income to average assets | 0.6938% | 2,259 |
| Noninterest expense to average assets | 2.3719% | 4,588 |
| Loan and lease loss provision to assets | -0.1745% | 6,078 |
| Net operating income to assets | 1.1297% | 1,895 |
| Return on assets (ROA) | 1.1297% | 1,971 |
| Pretax return on assets | 1.4189% | 1,933 |
| Return on Equity (ROE) | 13.3812% | 1,033 |
| Retained earnings to average equity (ytd only) | 8.2107% | 1,159 |
| Net charge-offs to loans | -0.0159% | 5,126 |
| Credit loss provision to net charge-offs | 2,019.1919% | 185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2921% | 4,014 |
| Assets per employee ($millions) | 4.8936% | 2,425 |
| Cash dividends to net income (ytd only)* | 38.6399% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 4,826 |
| Loan loss allowance to noncurrent loans | 1,030.1508% | 564 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 5,469 |
| Noncurrent loans to loans | 0.0954% | 5,250 |
| Net loans and leases to total assets | 52.7460% | 4,685 |
| Net loans and leases to deposits | 73.0463% | 3,646 |
| Net loans and leases to core deposits | 83.8157% | 3,066 |
| Total domestic deposits to total assets | 72.2090% | 5,848 |
| Equity capital to assets | 8.5651% | 5,666 |
| Core capital (leverage) ratio | 8.0159% | 5,892 |
| Tier 1 risk-based capital ratio | 12.5736% | 4,700 |
| Total risk-based capital ratio | 13.4066% | 4,898 |
| Memoranda: | ||
| Average total assets | $1,527,147,500 | 469 |
| Average earning assets | $1,420,509,250 | 459 |
| Average equity | $128,933,750 | 592 |
| Average total loans | $828,809,250 | 569 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 3,835 |
| Cost of funding earning assets | 0.7091% | 804 |
| Net interest margin | 3.1491% | 4,829 |
| Noninterest income to average assets | 0.6658% | 2,382 |
| Noninterest expense to average assets | 2.3340% | 4,764 |
| Loan and lease loss provision to assets | -0.1666% | 6,151 |
| Net operating income to assets | 1.1391% | 1,809 |
| Return on assets (ROA) | 1.1391% | 1,887 |
| Pretax return on assets | 1.4282% | 1,872 |
| Return on Equity (ROE) | 13.5594% | 992 |
| Retained earnings to average equity (ytd only) | 8.3709% | 1,132 |
| Net charge-offs to loans | -0.0389% | 5,439 |
| Credit loss provision to net charge-offs | 783.2298% | 439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6328% | 4,251 |
| Assets per employee ($millions) | 4.9643% | 2,317 |
| Cash dividends to net income (ytd only)* | 38.2653% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 4,407 |
| Loan loss allowance to noncurrent loans | 581.0200% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 5,300 |
| Noncurrent loans to loans | 0.1867% | 5,032 |
| Net loans and leases to total assets | 53.4970% | 4,612 |
| Net loans and leases to deposits | 74.9753% | 3,386 |
| Net loans and leases to core deposits | 86.5467% | 2,705 |
| Total domestic deposits to total assets | 71.3529% | 5,968 |
| Equity capital to assets | 8.3460% | 5,799 |
| Core capital (leverage) ratio | 8.1789% | 5,804 |
| Tier 1 risk-based capital ratio | 12.7810% | 4,636 |
| Total risk-based capital ratio | 13.7096% | 4,744 |
| Memoranda: | ||
| Average total assets | $1,514,211,330 | 474 |
| Average earning assets | $1,408,786,330 | 466 |
| Average equity | $127,203,330 | 602 |
| Average total loans | $827,019,330 | 564 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8255% | 3,906 |
| Cost of funding earning assets | 0.7093% | 824 |
| Net interest margin | 3.1162% | 4,901 |
| Noninterest income to average assets | 0.6195% | 2,546 |
| Noninterest expense to average assets | 2.3420% | 4,765 |
| Loan and lease loss provision to assets | -0.1928% | 6,258 |
| Net operating income to assets | 1.1019% | 1,866 |
| Return on assets (ROA) | 1.1019% | 1,969 |
| Pretax return on assets | 1.3720% | 1,990 |
| Return on Equity (ROE) | 13.0733% | 1,073 |
| Retained earnings to average equity (ytd only) | 8.0257% | 1,563 |
| Net charge-offs to loans | -0.1090% | 5,884 |
| Credit loss provision to net charge-offs | 322.2222% | 775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2237% | 4,121 |
| Assets per employee ($millions) | 4.9529% | 2,415 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 4,120 |
| Loan loss allowance to noncurrent loans | 267.0376% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,912 |
| Noncurrent loans to loans | 0.4402% | 4,277 |
| Net loans and leases to total assets | 53.2551% | 4,521 |
| Net loans and leases to deposits | 73.4136% | 3,383 |
| Net loans and leases to core deposits | 84.5815% | 2,705 |
| Total domestic deposits to total assets | 72.5413% | 6,010 |
| Equity capital to assets | 8.5479% | 5,706 |
| Core capital (leverage) ratio | 8.1369% | 5,858 |
| Tier 1 risk-based capital ratio | 12.7909% | 4,731 |
| Total risk-based capital ratio | 13.8049% | 4,784 |
| Memoranda: | ||
| Average total assets | $1,504,328,500 | 476 |
| Average earning assets | $1,400,822,500 | 462 |
| Average equity | $126,792,500 | 604 |
| Average total loans | $825,713,000 | 560 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9521% | 3,914 |
| Cost of funding earning assets | 0.7284% | 958 |
| Net interest margin | 3.2237% | 4,846 |
| Noninterest income to average assets | 0.6796% | 2,399 |
| Noninterest expense to average assets | 2.4416% | 4,723 |
| Loan and lease loss provision to assets | -0.0455% | 6,018 |
| Net operating income to assets | 1.0553% | 2,145 |
| Return on assets (ROA) | 1.0607% | 2,184 |
| Pretax return on assets | 1.2856% | 2,292 |
| Return on Equity (ROE) | 13.2777% | 1,082 |
| Retained earnings to average equity (ytd only) | 7.3087% | 1,271 |
| Net charge-offs to loans | 0.0893% | 3,212 |
| Credit loss provision to net charge-offs | -91.2568% | 5,503 |
| Earnings coverage of net charge-offs (x) | 24.7363% | 1,520 |
| Efficiency ratio | 66.0970% | 4,230 |
| Assets per employee ($millions) | 4.8882% | 2,474 |
| Cash dividends to net income (ytd only)* | 44.9554% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 3,938 |
| Loan loss allowance to noncurrent loans | 240.9351% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 4,809 |
| Noncurrent loans to loans | 0.5022% | 4,159 |
| Net loans and leases to total assets | 55.3081% | 4,409 |
| Net loans and leases to deposits | 76.6489% | 3,126 |
| Net loans and leases to core deposits | 88.4141% | 2,456 |
| Total domestic deposits to total assets | 72.1578% | 6,071 |
| Equity capital to assets | 8.3193% | 5,883 |
| Core capital (leverage) ratio | 7.9582% | 6,026 |
| Tier 1 risk-based capital ratio | 13.0776% | 4,674 |
| Total risk-based capital ratio | 14.1973% | 4,673 |
| Memoranda: | ||
| Average total assets | $1,467,937,400 | 475 |
| Average earning assets | $1,364,022,800 | 464 |
| Average equity | $117,271,600 | 618 |
| Average total loans | $820,158,200 | 540 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 3,970 |
| Cost of funding earning assets | 0.7313% | 984 |
| Net interest margin | 3.2178% | 4,902 |
| Noninterest income to average assets | 0.6884% | 2,386 |
| Noninterest expense to average assets | 2.4491% | 4,669 |
| Loan and lease loss provision to assets | -0.0551% | 6,201 |
| Net operating income to assets | 1.0603% | 2,193 |
| Return on assets (ROA) | 1.0677% | 2,232 |
| Pretax return on assets | 1.2904% | 2,411 |
| Return on Equity (ROE) | 13.5070% | 1,095 |
| Retained earnings to average equity (ytd only) | 8.0276% | 1,348 |
| Net charge-offs to loans | 0.0810% | 3,042 |
| Credit loss provision to net charge-offs | -121.7742% | 5,478 |
| Earnings coverage of net charge-offs (x) | 27.1168% | 1,463 |
| Efficiency ratio | 66.2805% | 4,174 |
| Assets per employee ($millions) | 4.9054% | 2,372 |
| Cash dividends to net income (ytd only)* | 40.5671% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 3,879 |
| Loan loss allowance to noncurrent loans | 223.1760% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 4,892 |
| Noncurrent loans to loans | 0.5648% | 4,227 |
| Net loans and leases to total assets | 54.4549% | 4,521 |
| Net loans and leases to deposits | 75.1256% | 3,294 |
| Net loans and leases to core deposits | 86.7262% | 2,582 |
| Total domestic deposits to total assets | 72.4852% | 6,139 |
| Equity capital to assets | 8.0729% | 6,096 |
| Core capital (leverage) ratio | 7.8912% | 6,137 |
| Tier 1 risk-based capital ratio | 13.0376% | 4,844 |
| Total risk-based capital ratio | 14.2034% | 4,811 |
| Memoranda: | ||
| Average total assets | $1,462,195,750 | 471 |
| Average earning assets | $1,357,358,750 | 464 |
| Average equity | $115,581,250 | 622 |
| Average total loans | $816,525,000 | 539 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,852 |
| Cost of funding earning assets | 0.7359% | 985 |
| Net interest margin | 3.2344% | 4,829 |
| Noninterest income to average assets | 0.6952% | 2,309 |
| Noninterest expense to average assets | 2.4610% | 4,697 |
| Loan and lease loss provision to assets | -0.0609% | 6,316 |
| Net operating income to assets | 1.0634% | 2,063 |
| Return on assets (ROA) | 1.0634% | 2,142 |
| Pretax return on assets | 1.2966% | 2,262 |
| Return on Equity (ROE) | 13.5515% | 1,044 |
| Retained earnings to average equity (ytd only) | 8.2813% | 1,218 |
| Net charge-offs to loans | 0.0880% | 2,809 |
| Credit loss provision to net charge-offs | -123.4637% | 5,296 |
| Earnings coverage of net charge-offs (x) | 25.0391% | 1,407 |
| Efficiency ratio | 66.2192% | 4,334 |
| Assets per employee ($millions) | 4.7685% | 2,516 |
| Cash dividends to net income (ytd only)* | 38.8903% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 3,824 |
| Loan loss allowance to noncurrent loans | 227.4660% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 4,950 |
| Noncurrent loans to loans | 0.5743% | 4,299 |
| Net loans and leases to total assets | 55.2182% | 4,381 |
| Net loans and leases to deposits | 76.0358% | 3,055 |
| Net loans and leases to core deposits | 87.8723% | 2,327 |
| Total domestic deposits to total assets | 72.6213% | 6,207 |
| Equity capital to assets | 8.1629% | 6,053 |
| Core capital (leverage) ratio | 7.8834% | 6,165 |
| Tier 1 risk-based capital ratio | 12.9342% | 4,955 |
| Total risk-based capital ratio | 14.1480% | 4,913 |
| Memoranda: | ||
| Average total assets | $1,450,875,000 | 474 |
| Average earning assets | $1,346,407,000 | 465 |
| Average equity | $113,847,330 | 624 |
| Average total loans | $813,656,000 | 538 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9815% | 3,763 |
| Cost of funding earning assets | 0.7438% | 995 |
| Net interest margin | 3.2377% | 4,786 |
| Noninterest income to average assets | 0.7032% | 2,152 |
| Noninterest expense to average assets | 2.4908% | 4,655 |
| Loan and lease loss provision to assets | -0.0670% | 6,466 |
| Net operating income to assets | 1.0571% | 1,978 |
| Return on assets (ROA) | 1.0571% | 2,050 |
| Pretax return on assets | 1.2858% | 2,147 |
| Return on Equity (ROE) | 13.7523% | 989 |
| Retained earnings to average equity (ytd only) | 8.3479% | 1,471 |
| Net charge-offs to loans | 0.0779% | 2,373 |
| Credit loss provision to net charge-offs | -153.1646% | 4,922 |
| Earnings coverage of net charge-offs (x) | 27.8544% | 1,096 |
| Efficiency ratio | 66.7936% | 4,399 |
| Assets per employee ($millions) | 4.5897% | 2,829 |
| Cash dividends to net income (ytd only)* | 39.2979% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3687% | 3,748 |
| Loan loss allowance to noncurrent loans | 211.9129% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.3881% | 4,988 |
| Noncurrent loans to loans | 0.6459% | 4,245 |
| Net loans and leases to total assets | 54.9759% | 4,284 |
| Net loans and leases to deposits | 74.9432% | 2,951 |
| Net loans and leases to core deposits | 86.3017% | 2,289 |
| Total domestic deposits to total assets | 73.3567% | 6,287 |
| Equity capital to assets | 7.8412% | 6,150 |
| Core capital (leverage) ratio | 7.7491% | 6,247 |
| Tier 1 risk-based capital ratio | 12.8687% | 5,083 |
| Total risk-based capital ratio | 14.1191% | 5,022 |
| Memoranda: | ||
| Average total assets | $1,444,345,500 | 474 |
| Average earning assets | $1,341,196,500 | 463 |
| Average equity | $111,021,500 | 644 |
| Average total loans | $810,955,000 | 535 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 3,477 |
| Cost of funding earning assets | 0.8473% | 959 |
| Net interest margin | 3.3177% | 4,598 |
| Noninterest income to average assets | 0.7665% | 2,232 |
| Noninterest expense to average assets | 2.5604% | 4,586 |
| Loan and lease loss provision to assets | 0.0795% | 3,517 |
| Net operating income to assets | 0.9939% | 2,348 |
| Return on assets (ROA) | 1.0040% | 2,375 |
| Pretax return on assets | 1.2187% | 2,505 |
| Return on Equity (ROE) | 12.6249% | 1,249 |
| Retained earnings to average equity (ytd only) | 6.3278% | 1,789 |
| Net charge-offs to loans | 0.1944% | 2,914 |
| Credit loss provision to net charge-offs | 71.7700% | 3,253 |
| Earnings coverage of net charge-offs (x) | 11.6105% | 2,219 |
| Efficiency ratio | 66.1558% | 4,529 |
| Assets per employee ($millions) | 4.6250% | 2,692 |
| Cash dividends to net income (ytd only)* | 49.8789% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4181% | 3,557 |
| Loan loss allowance to noncurrent loans | 339.8345% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 5,434 |
| Noncurrent loans to loans | 0.4173% | 4,960 |
| Net loans and leases to total assets | 55.7589% | 4,351 |
| Net loans and leases to deposits | 76.5028% | 2,916 |
| Net loans and leases to core deposits | 87.5006% | 2,292 |
| Total domestic deposits to total assets | 72.8848% | 6,368 |
| Equity capital to assets | 7.5298% | 6,268 |
| Core capital (leverage) ratio | 7.7454% | 6,280 |
| Tier 1 risk-based capital ratio | 12.5915% | 5,235 |
| Total risk-based capital ratio | 13.8424% | 5,184 |
| Memoranda: | ||
| Average total assets | $1,397,770,200 | 483 |
| Average earning assets | $1,297,491,200 | 472 |
| Average equity | $111,161,000 | 633 |
| Average total loans | $796,236,800 | 525 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 3,455 |
| Cost of funding earning assets | 0.8604% | 989 |
| Net interest margin | 3.3209% | 4,568 |
| Noninterest income to average assets | 0.7981% | 2,158 |
| Noninterest expense to average assets | 2.5638% | 4,505 |
| Loan and lease loss provision to assets | 0.0831% | 3,405 |
| Net operating income to assets | 1.0047% | 2,359 |
| Return on assets (ROA) | 1.0180% | 2,392 |
| Pretax return on assets | 1.2514% | 2,508 |
| Return on Equity (ROE) | 12.6278% | 1,327 |
| Retained earnings to average equity (ytd only) | 7.2690% | 1,757 |
| Net charge-offs to loans | 0.2022% | 2,616 |
| Credit loss provision to net charge-offs | 72.0466% | 3,027 |
| Earnings coverage of net charge-offs (x) | 11.4226% | 2,249 |
| Efficiency ratio | 65.6214% | 4,559 |
| Assets per employee ($millions) | 4.5983% | 2,719 |
| Cash dividends to net income (ytd only)* | 42.4368% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4305% | 3,770 |
| Loan loss allowance to noncurrent loans | 271.6628% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 5,392 |
| Noncurrent loans to loans | 0.5266% | 4,879 |
| Net loans and leases to total assets | 56.9929% | 4,170 |
| Net loans and leases to deposits | 77.9785% | 2,668 |
| Net loans and leases to core deposits | 88.7580% | 2,106 |
| Total domestic deposits to total assets | 73.0879% | 6,429 |
| Equity capital to assets | 7.9089% | 6,209 |
| Core capital (leverage) ratio | 7.7774% | 6,337 |
| Tier 1 risk-based capital ratio | 12.6965% | 5,326 |
| Total risk-based capital ratio | 13.9479% | 5,271 |
| Memoranda: | ||
| Average total assets | $1,388,772,250 | 489 |
| Average earning assets | $1,289,644,250 | 478 |
| Average equity | $111,961,500 | 638 |
| Average total loans | $792,558,500 | 529 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 3,410 |
| Cost of funding earning assets | 0.8696% | 1,035 |
| Net interest margin | 3.3214% | 4,479 |
| Noninterest income to average assets | 0.7857% | 2,260 |
| Noninterest expense to average assets | 2.5743% | 4,474 |
| Loan and lease loss provision to assets | 0.0744% | 3,554 |
| Net operating income to assets | 0.9967% | 2,340 |
| Return on assets (ROA) | 1.0084% | 2,429 |
| Pretax return on assets | 1.2367% | 2,535 |
| Return on Equity (ROE) | 12.4283% | 1,372 |
| Retained earnings to average equity (ytd only) | 7.0859% | 1,851 |
| Net charge-offs to loans | 0.1910% | 2,609 |
| Credit loss provision to net charge-offs | 68.5752% | 2,850 |
| Earnings coverage of net charge-offs (x) | 11.9507% | 2,020 |
| Efficiency ratio | 66.0757% | 4,535 |
| Assets per employee ($millions) | 4.5614% | 2,716 |
| Cash dividends to net income (ytd only)* | 42.9861% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 3,811 |
| Loan loss allowance to noncurrent loans | 280.5083% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3445% | 5,450 |
| Noncurrent loans to loans | 0.5168% | 4,979 |
| Net loans and leases to total assets | 56.9902% | 4,135 |
| Net loans and leases to deposits | 77.7308% | 2,603 |
| Net loans and leases to core deposits | 88.7452% | 2,029 |
| Total domestic deposits to total assets | 73.3174% | 6,483 |
| Equity capital to assets | 7.7796% | 6,324 |
| Core capital (leverage) ratio | 7.6767% | 6,379 |
| Tier 1 risk-based capital ratio | 12.4790% | 5,522 |
| Total risk-based capital ratio | 13.7305% | 5,458 |
| Memoranda: | ||
| Average total assets | $1,384,198,000 | 490 |
| Average earning assets | $1,285,862,000 | 477 |
| Average equity | $112,308,000 | 636 |
| Average total loans | $786,437,330 | 527 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2180% | 3,223 |
| Cost of funding earning assets | 0.8794% | 1,088 |
| Net interest margin | 3.3386% | 4,359 |
| Noninterest income to average assets | 0.7382% | 2,383 |
| Noninterest expense to average assets | 2.5798% | 4,473 |
| Loan and lease loss provision to assets | 0.0871% | 3,213 |
| Net operating income to assets | 0.9642% | 2,378 |
| Return on assets (ROA) | 0.9878% | 2,405 |
| Pretax return on assets | 1.2046% | 2,550 |
| Return on Equity (ROE) | 11.9261% | 1,442 |
| Retained earnings to average equity (ytd only) | 6.6708% | 2,330 |
| Net charge-offs to loans | 0.1685% | 2,393 |
| Credit loss provision to net charge-offs | 91.7431% | 1,995 |
| Earnings coverage of net charge-offs (x) | 13.3089% | 1,538 |
| Efficiency ratio | 66.7044% | 4,536 |
| Assets per employee ($millions) | 4.5850% | 2,824 |
| Cash dividends to net income (ytd only)* | 44.0658% | 1,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 3,654 |
| Loan loss allowance to noncurrent loans | 172.6943% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.5605% | 4,986 |
| Noncurrent loans to loans | 0.8926% | 4,352 |
| Net loans and leases to total assets | 55.1200% | 4,219 |
| Net loans and leases to deposits | 73.7400% | 2,951 |
| Net loans and leases to core deposits | 83.5945% | 2,372 |
| Total domestic deposits to total assets | 74.7492% | 6,482 |
| Equity capital to assets | 8.2982% | 6,188 |
| Core capital (leverage) ratio | 7.5702% | 6,442 |
| Tier 1 risk-based capital ratio | 12.5115% | 5,572 |
| Total risk-based capital ratio | 13.7637% | 5,519 |
| Memoranda: | ||
| Average total assets | $1,378,410,000 | 493 |
| Average earning assets | $1,281,733,000 | 480 |
| Average equity | $114,169,500 | 638 |
| Average total loans | $776,079,000 | 536 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 3,062 |
| Cost of funding earning assets | 1.0901% | 940 |
| Net interest margin | 3.4942% | 4,525 |
| Noninterest income to average assets | 0.8082% | 2,228 |
| Noninterest expense to average assets | 2.7041% | 4,385 |
| Loan and lease loss provision to assets | 0.1733% | 3,457 |
| Net operating income to assets | 0.9530% | 2,531 |
| Return on assets (ROA) | 1.0047% | 2,537 |
| Pretax return on assets | 1.2303% | 2,681 |
| Return on Equity (ROE) | 12.1846% | 1,456 |
| Retained earnings to average equity (ytd only) | 6.5888% | 1,773 |
| Net charge-offs to loans | 0.3586% | 2,838 |
| Credit loss provision to net charge-offs | 83.9416% | 3,698 |
| Earnings coverage of net charge-offs (x) | 6.4949% | 2,805 |
| Efficiency ratio | 66.3724% | 4,431 |
| Assets per employee ($millions) | 4.5139% | 2,930 |
| Cash dividends to net income (ytd only)* | 45.9249% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 3,609 |
| Loan loss allowance to noncurrent loans | 154.3914% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 0.6815% | 4,779 |
| Noncurrent loans to loans | 0.9917% | 4,209 |
| Net loans and leases to total assets | 55.7558% | 4,336 |
| Net loans and leases to deposits | 75.2929% | 2,906 |
| Net loans and leases to core deposits | 85.0289% | 2,422 |
| Total domestic deposits to total assets | 74.0519% | 6,523 |
| Equity capital to assets | 8.2671% | 6,225 |
| Core capital (leverage) ratio | 7.5664% | 6,465 |
| Tier 1 risk-based capital ratio | 12.1504% | 5,686 |
| Total risk-based capital ratio | 13.4025% | 5,647 |
| Memoranda: | ||
| Average total assets | $1,327,526,000 | 501 |
| Average earning assets | $1,229,614,000 | 489 |
| Average equity | $109,458,200 | 649 |
| Average total loans | $763,996,600 | 537 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 2,988 |
| Cost of funding earning assets | 1.1338% | 930 |
| Net interest margin | 3.5220% | 4,557 |
| Noninterest income to average assets | 0.8066% | 2,210 |
| Noninterest expense to average assets | 2.6903% | 4,404 |
| Loan and lease loss provision to assets | 0.1115% | 4,173 |
| Net operating income to assets | 1.0003% | 2,493 |
| Return on assets (ROA) | 1.0674% | 2,436 |
| Pretax return on assets | 1.3514% | 2,405 |
| Return on Equity (ROE) | 12.9542% | 1,347 |
| Retained earnings to average equity (ytd only) | 7.2639% | 1,969 |
| Net charge-offs to loans | 0.2480% | 3,233 |
| Credit loss provision to net charge-offs | 77.7935% | 3,683 |
| Earnings coverage of net charge-offs (x) | 9.6138% | 2,298 |
| Efficiency ratio | 65.6284% | 4,518 |
| Assets per employee ($millions) | 4.3784% | 3,109 |
| Cash dividends to net income (ytd only)* | 43.9263% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5604% | 3,690 |
| Loan loss allowance to noncurrent loans | 160.9984% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 4,965 |
| Noncurrent loans to loans | 0.9692% | 4,501 |
| Net loans and leases to total assets | 56.9837% | 4,298 |
| Net loans and leases to deposits | 76.7307% | 2,867 |
| Net loans and leases to core deposits | 86.8082% | 2,367 |
| Total domestic deposits to total assets | 74.2645% | 6,580 |
| Equity capital to assets | 8.4840% | 6,275 |
| Core capital (leverage) ratio | 7.5508% | 6,591 |
| Tier 1 risk-based capital ratio | 12.2630% | 5,797 |
| Total risk-based capital ratio | 13.5158% | 5,767 |
| Memoranda: | ||
| Average total assets | $1,315,222,750 | 508 |
| Average earning assets | $1,218,015,500 | 495 |
| Average equity | $108,368,500 | 655 |
| Average total loans | $760,108,750 | 535 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 2,989 |
| Cost of funding earning assets | 1.1758% | 909 |
| Net interest margin | 3.5078% | 4,635 |
| Noninterest income to average assets | 0.8081% | 2,147 |
| Noninterest expense to average assets | 2.7126% | 4,359 |
| Loan and lease loss provision to assets | 0.1376% | 3,800 |
| Net operating income to assets | 0.9580% | 2,623 |
| Return on assets (ROA) | 1.0450% | 2,499 |
| Pretax return on assets | 1.3162% | 2,497 |
| Return on Equity (ROE) | 12.8123% | 1,411 |
| Retained earnings to average equity (ytd only) | 6.9562% | 2,126 |
| Net charge-offs to loans | 0.2532% | 3,064 |
| Credit loss provision to net charge-offs | 94.0439% | 2,929 |
| Earnings coverage of net charge-offs (x) | 9.1850% | 2,198 |
| Efficiency ratio | 66.3752% | 4,470 |
| Assets per employee ($millions) | 4.4381% | 3,027 |
| Cash dividends to net income (ytd only)* | 45.7072% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6198% | 3,533 |
| Loan loss allowance to noncurrent loans | 188.6082% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 5,181 |
| Noncurrent loans to loans | 0.8588% | 4,791 |
| Net loans and leases to total assets | 56.3787% | 4,407 |
| Net loans and leases to deposits | 76.2647% | 2,946 |
| Net loans and leases to core deposits | 86.5826% | 2,354 |
| Total domestic deposits to total assets | 73.9250% | 6,685 |
| Equity capital to assets | 8.2187% | 6,439 |
| Core capital (leverage) ratio | 7.5062% | 6,628 |
| Tier 1 risk-based capital ratio | 12.0891% | 5,867 |
| Total risk-based capital ratio | 13.3420% | 5,850 |
| Memoranda: | ||
| Average total assets | $1,308,491,670 | 513 |
| Average earning assets | $1,211,585,000 | 500 |
| Average equity | $106,725,670 | 663 |
| Average total loans | $755,801,330 | 536 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 2,958 |
| Cost of funding earning assets | 1.2320% | 840 |
| Net interest margin | 3.4912% | 4,755 |
| Noninterest income to average assets | 0.8368% | 2,006 |
| Noninterest expense to average assets | 2.7475% | 4,252 |
| Loan and lease loss provision to assets | 0.1419% | 3,580 |
| Net operating income to assets | 0.9277% | 2,797 |
| Return on assets (ROA) | 1.1031% | 2,253 |
| Pretax return on assets | 1.3993% | 2,191 |
| Return on Equity (ROE) | 13.5774% | 1,284 |
| Retained earnings to average equity (ytd only) | 7.4197% | 2,220 |
| Net charge-offs to loans | 0.2453% | 2,705 |
| Credit loss provision to net charge-offs | 99.7835% | 2,382 |
| Earnings coverage of net charge-offs (x) | 9.2749% | 1,859 |
| Efficiency ratio | 67.0528% | 4,349 |
| Assets per employee ($millions) | 4.3802% | 3,229 |
| Cash dividends to net income (ytd only)* | 45.3531% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6507% | 3,537 |
| Loan loss allowance to noncurrent loans | 176.5083% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 5,269 |
| Noncurrent loans to loans | 0.9352% | 4,798 |
| Net loans and leases to total assets | 56.1092% | 4,363 |
| Net loans and leases to deposits | 74.4234% | 3,061 |
| Net loans and leases to core deposits | 83.5752% | 2,597 |
| Total domestic deposits to total assets | 75.3919% | 6,601 |
| Equity capital to assets | 8.1039% | 6,446 |
| Core capital (leverage) ratio | 7.4368% | 6,673 |
| Tier 1 risk-based capital ratio | 12.0647% | 5,918 |
| Total risk-based capital ratio | 13.3183% | 5,890 |
| Memoranda: | ||
| Average total assets | $1,299,238,500 | 518 |
| Average earning assets | $1,201,986,500 | 503 |
| Average equity | $105,557,500 | 668 |
| Average total loans | $753,471,000 | 537 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1027% | 2,446 |
| Cost of funding earning assets | 1.4255% | 937 |
| Net interest margin | 3.6772% | 4,402 |
| Noninterest income to average assets | 0.7445% | 2,367 |
| Noninterest expense to average assets | 2.6914% | 4,773 |
| Loan and lease loss provision to assets | 0.3110% | 3,182 |
| Net operating income to assets | 0.9572% | 2,378 |
| Return on assets (ROA) | 0.9574% | 2,509 |
| Pretax return on assets | 1.1349% | 2,710 |
| Return on Equity (ROE) | 11.8488% | 1,450 |
| Retained earnings to average equity (ytd only) | 5.3103% | 2,442 |
| Net charge-offs to loans | 0.5109% | 2,948 |
| Credit loss provision to net charge-offs | 100.0523% | 3,499 |
| Earnings coverage of net charge-offs (x) | 4.6512% | 3,034 |
| Efficiency ratio | 64.4689% | 5,046 |
| Assets per employee ($millions) | 4.2671% | 3,326 |
| Cash dividends to net income (ytd only)* | 55.1830% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 3,446 |
| Loan loss allowance to noncurrent loans | 173.0425% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.6830% | 5,278 |
| Noncurrent loans to loans | 0.9445% | 4,814 |
| Net loans and leases to total assets | 57.9938% | 4,369 |
| Net loans and leases to deposits | 77.5159% | 2,915 |
| Net loans and leases to core deposits | 87.6403% | 2,413 |
| Total domestic deposits to total assets | 74.8155% | 6,630 |
| Equity capital to assets | 8.1457% | 6,486 |
| Core capital (leverage) ratio | 7.4404% | 6,681 |
| Tier 1 risk-based capital ratio | 11.8084% | 5,952 |
| Total risk-based capital ratio | 13.0621% | 5,931 |
| Memoranda: | ||
| Average total assets | $1,230,325,000 | 533 |
| Average earning assets | $1,135,078,000 | 520 |
| Average equity | $99,410,600 | 691 |
| Average total loans | $748,466,000 | 547 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 2,339 |
| Cost of funding earning assets | 1.4498% | 1,028 |
| Net interest margin | 3.7113% | 4,287 |
| Noninterest income to average assets | 0.7274% | 2,437 |
| Noninterest expense to average assets | 2.7281% | 4,623 |
| Loan and lease loss provision to assets | 0.2611% | 3,416 |
| Net operating income to assets | 0.9572% | 2,498 |
| Return on assets (ROA) | 0.9572% | 2,667 |
| Pretax return on assets | 1.1628% | 2,776 |
| Return on Equity (ROE) | 11.8724% | 1,583 |
| Retained earnings to average equity (ytd only) | 5.7568% | 2,700 |
| Net charge-offs to loans | 0.4259% | 3,013 |
| Credit loss provision to net charge-offs | 99.9581% | 3,422 |
| Earnings coverage of net charge-offs (x) | 5.4509% | 2,779 |
| Efficiency ratio | 65.1008% | 4,879 |
| Assets per employee ($millions) | 4.2839% | 3,301 |
| Cash dividends to net income (ytd only)* | 51.5110% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 3,507 |
| Loan loss allowance to noncurrent loans | 204.4110% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.6236% | 5,578 |
| Noncurrent loans to loans | 0.7997% | 5,271 |
| Net loans and leases to total assets | 58.7143% | 4,371 |
| Net loans and leases to deposits | 78.7868% | 2,846 |
| Net loans and leases to core deposits | 88.5216% | 2,424 |
| Total domestic deposits to total assets | 74.5230% | 6,701 |
| Equity capital to assets | 8.2014% | 6,562 |
| Core capital (leverage) ratio | 7.5391% | 6,745 |
| Tier 1 risk-based capital ratio | 11.6475% | 6,139 |
| Total risk-based capital ratio | 12.9011% | 6,134 |
| Memoranda: | ||
| Average total assets | $1,216,804,500 | 545 |
| Average earning assets | $1,122,812,500 | 526 |
| Average equity | $98,107,250 | 703 |
| Average total loans | $746,269,250 | 557 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2297% | 2,149 |
| Cost of funding earning assets | 1.4721% | 1,106 |
| Net interest margin | 3.7576% | 3,999 |
| Noninterest income to average assets | 0.7655% | 2,178 |
| Noninterest expense to average assets | 2.7848% | 4,488 |
| Loan and lease loss provision to assets | 0.2367% | 3,545 |
| Net operating income to assets | 0.9819% | 2,300 |
| Return on assets (ROA) | 0.9819% | 2,402 |
| Pretax return on assets | 1.2098% | 2,442 |
| Return on Equity (ROE) | 12.2525% | 1,421 |
| Retained earnings to average equity (ytd only) | 6.0118% | 2,422 |
| Net charge-offs to loans | 0.3813% | 3,032 |
| Credit loss provision to net charge-offs | 100.2825% | 3,098 |
| Earnings coverage of net charge-offs (x) | 6.1278% | 2,460 |
| Efficiency ratio | 65.2116% | 5,021 |
| Assets per employee ($millions) | 4.1516% | 3,448 |
| Cash dividends to net income (ytd only)* | 50.9338% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6486% | 3,504 |
| Loan loss allowance to noncurrent loans | 184.3061% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7220% | 5,460 |
| Noncurrent loans to loans | 0.8945% | 5,179 |
| Net loans and leases to total assets | 60.2942% | 4,221 |
| Net loans and leases to deposits | 79.6914% | 2,847 |
| Net loans and leases to core deposits | 89.6695% | 2,417 |
| Total domestic deposits to total assets | 75.6596% | 6,650 |
| Equity capital to assets | 8.1376% | 6,561 |
| Core capital (leverage) ratio | 7.5660% | 6,699 |
| Tier 1 risk-based capital ratio | 11.6344% | 6,072 |
| Total risk-based capital ratio | 12.8884% | 6,058 |
| Memoranda: | ||
| Average total assets | $1,199,724,000 | 555 |
| Average earning assets | $1,106,558,330 | 540 |
| Average equity | $96,143,670 | 711 |
| Average total loans | $742,726,670 | 571 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2090% | 2,192 |
| Cost of funding earning assets | 1.4801% | 1,256 |
| Net interest margin | 3.7289% | 3,952 |
| Noninterest income to average assets | 0.7682% | 2,168 |
| Noninterest expense to average assets | 2.7853% | 4,508 |
| Loan and lease loss provision to assets | 0.2753% | 2,952 |
| Net operating income to assets | 0.9289% | 2,449 |
| Return on assets (ROA) | 0.9289% | 2,509 |
| Pretax return on assets | 1.1445% | 2,587 |
| Return on Equity (ROE) | 11.6842% | 1,547 |
| Retained earnings to average equity (ytd only) | 5.3272% | 2,986 |
| Net charge-offs to loans | 0.4381% | 2,384 |
| Credit loss provision to net charge-offs | 100.9889% | 2,614 |
| Earnings coverage of net charge-offs (x) | 5.2089% | 2,314 |
| Efficiency ratio | 65.6278% | 5,098 |
| Assets per employee ($millions) | 4.1866% | 3,478 |
| Cash dividends to net income (ytd only)* | 54.4070% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6734% | 3,435 |
| Loan loss allowance to noncurrent loans | 216.6025% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 5,651 |
| Noncurrent loans to loans | 0.7725% | 5,486 |
| Net loans and leases to total assets | 60.3367% | 4,198 |
| Net loans and leases to deposits | 78.6641% | 2,948 |
| Net loans and leases to core deposits | 88.8384% | 2,500 |
| Total domestic deposits to total assets | 76.7017% | 6,575 |
| Equity capital to assets | 7.9363% | 6,558 |
| Core capital (leverage) ratio | 7.6202% | 6,633 |
| Tier 1 risk-based capital ratio | 11.6078% | 6,018 |
| Total risk-based capital ratio | 12.8620% | 5,997 |
| Memoranda: | ||
| Average total assets | $1,187,222,500 | 565 |
| Average earning assets | $1,094,252,500 | 549 |
| Average equity | $94,384,000 | 719 |
| Average total loans | $738,681,500 | 580 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5461% | 2,098 |
| Cost of funding earning assets | 1.6631% | 1,764 |
| Net interest margin | 3.8830% | 3,567 |
| Noninterest income to average assets | 0.8719% | 1,964 |
| Noninterest expense to average assets | 2.8539% | 4,395 |
| Loan and lease loss provision to assets | 0.4319% | 3,532 |
| Net operating income to assets | 0.9358% | 2,253 |
| Return on assets (ROA) | 0.9609% | 2,284 |
| Pretax return on assets | 1.1840% | 2,278 |
| Return on Equity (ROE) | 11.7257% | 1,382 |
| Retained earnings to average equity (ytd only) | 4.9438% | 2,446 |
| Net charge-offs to loans | 0.7474% | 2,777 |
| Credit loss provision to net charge-offs | 88.9072% | 5,172 |
| Earnings coverage of net charge-offs (x) | 3.2627% | 3,444 |
| Efficiency ratio | 63.6191% | 5,416 |
| Assets per employee ($millions) | 4.0439% | 3,695 |
| Cash dividends to net income (ytd only)* | 57.8382% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6778% | 3,300 |
| Loan loss allowance to noncurrent loans | 202.9692% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6961% | 5,611 |
| Noncurrent loans to loans | 0.8266% | 5,397 |
| Net loans and leases to total assets | 62.0435% | 4,275 |
| Net loans and leases to deposits | 82.5056% | 2,712 |
| Net loans and leases to core deposits | 93.6293% | 2,306 |
| Total domestic deposits to total assets | 75.1992% | 6,743 |
| Equity capital to assets | 7.9641% | 6,527 |
| Core capital (leverage) ratio | 7.6222% | 6,603 |
| Tier 1 risk-based capital ratio | 11.5376% | 5,871 |
| Total risk-based capital ratio | 12.7919% | 5,877 |
| Memoranda: | ||
| Average total assets | $1,124,597,400 | 587 |
| Average earning assets | $1,033,060,000 | 580 |
| Average equity | $92,156,600 | 725 |
| Average total loans | $730,977,600 | 597 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5750% | 2,160 |
| Cost of funding earning assets | 1.6917% | 1,918 |
| Net interest margin | 3.8833% | 3,598 |
| Noninterest income to average assets | 0.8433% | 2,021 |
| Noninterest expense to average assets | 2.8760% | 4,178 |
| Loan and lease loss provision to assets | 0.3869% | 3,572 |
| Net operating income to assets | 0.9321% | 2,490 |
| Return on assets (ROA) | 0.9659% | 2,476 |
| Pretax return on assets | 1.1867% | 2,543 |
| Return on Equity (ROE) | 11.7003% | 1,593 |
| Retained earnings to average equity (ytd only) | 5.1736% | 2,860 |
| Net charge-offs to loans | 0.5835% | 2,988 |
| Credit loss provision to net charge-offs | 101.2218% | 4,263 |
| Earnings coverage of net charge-offs (x) | 4.0081% | 3,219 |
| Efficiency ratio | 64.5461% | 5,138 |
| Assets per employee ($millions) | 4.0009% | 3,835 |
| Cash dividends to net income (ytd only)* | 55.7828% | 1,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7798% | 2,850 |
| Loan loss allowance to noncurrent loans | 155.6618% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.8998% | 5,303 |
| Noncurrent loans to loans | 1.1434% | 4,951 |
| Net loans and leases to total assets | 61.9194% | 4,548 |
| Net loans and leases to deposits | 83.2181% | 2,863 |
| Net loans and leases to core deposits | 94.3047% | 2,483 |
| Total domestic deposits to total assets | 74.4062% | 6,872 |
| Equity capital to assets | 8.2487% | 6,563 |
| Core capital (leverage) ratio | 7.7161% | 6,656 |
| Tier 1 risk-based capital ratio | 11.5382% | 5,893 |
| Total risk-based capital ratio | 12.7909% | 5,881 |
| Memoranda: | ||
| Average total assets | $1,113,572,250 | 592 |
| Average earning assets | $1,022,156,750 | 583 |
| Average equity | $91,926,750 | 726 |
| Average total loans | $729,353,500 | 596 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6393% | 1,987 |
| Cost of funding earning assets | 1.7241% | 1,995 |
| Net interest margin | 3.9151% | 3,380 |
| Noninterest income to average assets | 0.8348% | 1,945 |
| Noninterest expense to average assets | 2.8694% | 4,192 |
| Loan and lease loss provision to assets | 0.4122% | 3,259 |
| Net operating income to assets | 0.9348% | 2,422 |
| Return on assets (ROA) | 0.9432% | 2,481 |
| Pretax return on assets | 1.1561% | 2,563 |
| Return on Equity (ROE) | 11.4221% | 1,617 |
| Retained earnings to average equity (ytd only) | 4.8044% | 3,009 |
| Net charge-offs to loans | 0.6104% | 2,701 |
| Credit loss provision to net charge-offs | 101.7536% | 4,011 |
| Earnings coverage of net charge-offs (x) | 3.8462% | 3,154 |
| Efficiency ratio | 64.1009% | 5,318 |
| Assets per employee ($millions) | 3.8557% | 4,082 |
| Cash dividends to net income (ytd only)* | 57.9374% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,755 |
| Loan loss allowance to noncurrent loans | 168.2259% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 5,528 |
| Noncurrent loans to loans | 1.0625% | 5,190 |
| Net loans and leases to total assets | 64.6437% | 4,120 |
| Net loans and leases to deposits | 86.5759% | 2,420 |
| Net loans and leases to core deposits | 97.7344% | 2,259 |
| Total domestic deposits to total assets | 74.6671% | 6,889 |
| Equity capital to assets | 8.4919% | 6,171 |
| Core capital (leverage) ratio | 7.8390% | 6,452 |
| Tier 1 risk-based capital ratio | 11.4188% | 5,853 |
| Total risk-based capital ratio | 12.6750% | 5,815 |
| Memoranda: | ||
| Average total assets | $1,098,009,330 | 600 |
| Average earning assets | $1,007,579,330 | 589 |
| Average equity | $90,666,670 | 722 |
| Average total loans | $728,656,330 | 599 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6309% | 2,027 |
| Cost of funding earning assets | 1.7531% | 2,115 |
| Net interest margin | 3.8779% | 3,419 |
| Noninterest income to average assets | 0.9022% | 1,614 |
| Noninterest expense to average assets | 2.8618% | 4,217 |
| Loan and lease loss provision to assets | 0.4414% | 2,760 |
| Net operating income to assets | 0.9425% | 2,383 |
| Return on assets (ROA) | 0.9593% | 2,394 |
| Pretax return on assets | 1.1758% | 2,453 |
| Return on Equity (ROE) | 11.7867% | 1,548 |
| Retained earnings to average equity (ytd only) | 5.0463% | 3,130 |
| Net charge-offs to loans | 0.6581% | 2,176 |
| Credit loss provision to net charge-offs | 100.6672% | 3,367 |
| Earnings coverage of net charge-offs (x) | 3.6414% | 2,839 |
| Efficiency ratio | 63.4813% | 5,590 |
| Assets per employee ($millions) | 3.8730% | 4,159 |
| Cash dividends to net income (ytd only)* | 57.1864% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 2,789 |
| Loan loss allowance to noncurrent loans | 147.7811% | 1,886 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 5,359 |
| Noncurrent loans to loans | 1.2047% | 4,951 |
| Net loans and leases to total assets | 65.1401% | 4,074 |
| Net loans and leases to deposits | 87.2757% | 2,361 |
| Net loans and leases to core deposits | 99.2292% | 2,209 |
| Total domestic deposits to total assets | 74.6372% | 6,964 |
| Equity capital to assets | 8.1811% | 6,455 |
| Core capital (leverage) ratio | 7.8367% | 6,454 |
| Tier 1 risk-based capital ratio | 11.2376% | 5,911 |
| Total risk-based capital ratio | 12.4934% | 5,871 |
| Memoranda: | ||
| Average total assets | $1,093,726,000 | 620 |
| Average earning assets | $1,003,028,500 | 609 |
| Average equity | $89,015,500 | 735 |
| Average total loans | $728,809,000 | 619 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9053% | 2,209 |
| Cost of funding earning assets | 2.0173% | 2,883 |
| Net interest margin | 3.8880% | 3,317 |
| Noninterest income to average assets | 0.9754% | 1,649 |
| Noninterest expense to average assets | 2.9671% | 4,273 |
| Loan and lease loss provision to assets | 0.5693% | 3,534 |
| Net operating income to assets | 0.8502% | 2,348 |
| Return on assets (ROA) | 0.9010% | 2,242 |
| Pretax return on assets | 1.0703% | 2,342 |
| Return on Equity (ROE) | 11.3969% | 1,321 |
| Retained earnings to average equity (ytd only) | 4.1874% | 2,290 |
| Net charge-offs to loans | 0.6968% | 3,096 |
| Credit loss provision to net charge-offs | 119.5644% | 4,487 |
| Earnings coverage of net charge-offs (x) | 3.3163% | 3,399 |
| Efficiency ratio | 64.4929% | 5,677 |
| Assets per employee ($millions) | 3.8159% | 4,246 |
| Cash dividends to net income (ytd only)* | 63.2583% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 2,607 |
| Loan loss allowance to noncurrent loans | 139.6793% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 5,247 |
| Noncurrent loans to loans | 1.2761% | 4,794 |
| Net loans and leases to total assets | 65.7601% | 4,215 |
| Net loans and leases to deposits | 88.9670% | 2,394 |
| Net loans and leases to core deposits | 116.0225% | 2,315 |
| Total domestic deposits to total assets | 73.9152% | 7,026 |
| Equity capital to assets | 8.0959% | 6,468 |
| Core capital (leverage) ratio | 7.8492% | 6,390 |
| Tier 1 risk-based capital ratio | 11.6455% | 5,250 |
| Total risk-based capital ratio | 12.9023% | 5,201 |
| Memoranda: | ||
| Average total assets | $1,070,230,600 | 631 |
| Average earning assets | $982,917,000 | 613 |
| Average equity | $84,610,800 | 758 |
| Average total loans | $731,354,000 | 628 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9359% | 2,292 |
| Cost of funding earning assets | 2.0642% | 3,055 |
| Net interest margin | 3.8717% | 3,341 |
| Noninterest income to average assets | 1.0084% | 1,577 |
| Noninterest expense to average assets | 3.0082% | 4,017 |
| Loan and lease loss provision to assets | 0.5690% | 3,109 |
| Net operating income to assets | 0.8207% | 2,722 |
| Return on assets (ROA) | 0.8880% | 2,542 |
| Pretax return on assets | 1.0735% | 2,659 |
| Return on Equity (ROE) | 11.3013% | 1,543 |
| Retained earnings to average equity (ytd only) | 4.2967% | 2,874 |
| Net charge-offs to loans | 0.7108% | 2,570 |
| Credit loss provision to net charge-offs | 116.5514% | 4,362 |
| Earnings coverage of net charge-offs (x) | 3.1983% | 3,639 |
| Efficiency ratio | 65.0443% | 5,542 |
| Assets per employee ($millions) | 3.7142% | 4,390 |
| Cash dividends to net income (ytd only)* | 61.9805% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 2,511 |
| Loan loss allowance to noncurrent loans | 134.2690% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.9820% | 5,098 |
| Noncurrent loans to loans | 1.2907% | 4,782 |
| Net loans and leases to total assets | 66.9410% | 4,200 |
| Net loans and leases to deposits | 90.1441% | 2,552 |
| Net loans and leases to core deposits | 114.9611% | 2,731 |
| Total domestic deposits to total assets | 74.2600% | 6,904 |
| Equity capital to assets | 8.3524% | 6,441 |
| Core capital (leverage) ratio | 7.8248% | 6,584 |
| Tier 1 risk-based capital ratio | 11.5798% | 5,364 |
| Total risk-based capital ratio | 12.8362% | 5,292 |
| Memoranda: | ||
| Average total assets | $1,065,907,750 | 642 |
| Average earning assets | $980,429,000 | 627 |
| Average equity | $83,752,250 | 779 |
| Average total loans | $732,158,750 | 646 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9617% | 2,338 |
| Cost of funding earning assets | 2.0935% | 3,299 |
| Net interest margin | 3.8682% | 3,259 |
| Noninterest income to average assets | 0.9969% | 1,602 |
| Noninterest expense to average assets | 3.0883% | 3,747 |
| Loan and lease loss provision to assets | 0.5649% | 2,762 |
| Net operating income to assets | 0.7540% | 3,029 |
| Return on assets (ROA) | 0.8562% | 2,731 |
| Pretax return on assets | 1.0232% | 2,914 |
| Return on Equity (ROE) | 11.1322% | 1,664 |
| Retained earnings to average equity (ytd only) | 3.4388% | 3,409 |
| Net charge-offs to loans | 0.8010% | 2,078 |
| Credit loss provision to net charge-offs | 102.3834% | 4,470 |
| Earnings coverage of net charge-offs (x) | 2.6578% | 3,747 |
| Efficiency ratio | 67.0172% | 5,357 |
| Assets per employee ($millions) | 3.6350% | 4,484 |
| Cash dividends to net income (ytd only)* | 69.1093% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 2,523 |
| Loan loss allowance to noncurrent loans | 144.1454% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.9672% | 5,043 |
| Noncurrent loans to loans | 1.1447% | 4,925 |
| Net loans and leases to total assets | 69.0950% | 3,922 |
| Net loans and leases to deposits | 92.7164% | 2,330 |
| Net loans and leases to core deposits | 115.1835% | 2,789 |
| Total domestic deposits to total assets | 74.5229% | 6,863 |
| Equity capital to assets | 7.9312% | 6,828 |
| Core capital (leverage) ratio | 7.7470% | 6,674 |
| Tier 1 risk-based capital ratio | 11.4964% | 5,383 |
| Total risk-based capital ratio | 12.7520% | 5,298 |
| Memoranda: | ||
| Average total assets | $1,064,649,670 | 656 |
| Average earning assets | $979,210,000 | 638 |
| Average equity | $81,888,330 | 804 |
| Average total loans | $733,317,000 | 666 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9191% | 2,705 |
| Cost of funding earning assets | 2.1080% | 3,613 |
| Net interest margin | 3.8111% | 3,403 |
| Noninterest income to average assets | 0.8987% | 1,858 |
| Noninterest expense to average assets | 3.1342% | 3,248 |
| Loan and lease loss provision to assets | 0.5466% | 2,286 |
| Net operating income to assets | 0.6404% | 3,835 |
| Return on assets (ROA) | 0.7126% | 3,689 |
| Pretax return on assets | 0.8092% | 4,048 |
| Return on Equity (ROE) | 9.4062% | 2,570 |
| Retained earnings to average equity (ytd only) | -0.1520% | 5,679 |
| Net charge-offs to loans | 0.8324% | 1,560 |
| Credit loss provision to net charge-offs | 96.2721% | 3,869 |
| Earnings coverage of net charge-offs (x) | 2.2433% | 3,616 |
| Efficiency ratio | 70.2949% | 4,512 |
| Assets per employee ($millions) | 3.8090% | 4,073 |
| Cash dividends to net income (ytd only)* | 101.6154% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6295% | 2,403 |
| Loan loss allowance to noncurrent loans | 102.8017% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 1.3509% | 3,964 |
| Noncurrent loans to loans | 1.5851% | 3,900 |
| Net loans and leases to total assets | 67.2579% | 4,299 |
| Net loans and leases to deposits | 92.0888% | 2,585 |
| Net loans and leases to core deposits | 113.6898% | 3,036 |
| Total domestic deposits to total assets | 73.0359% | 7,046 |
| Equity capital to assets | 7.6499% | 7,220 |
| Core capital (leverage) ratio | 7.4290% | 7,237 |
| Tier 1 risk-based capital ratio | 11.2054% | 5,698 |
| Total risk-based capital ratio | 12.4606% | 5,604 |
| Memoranda: | ||
| Average total assets | $1,077,164,000 | 641 |
| Average earning assets | $991,847,500 | 629 |
| Average equity | $81,605,500 | 804 |
| Average total loans | $734,786,500 | 672 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4541% | 3,173 |
| Cost of funding earning assets | 2.6895% | 3,210 |
| Net interest margin | 3.7646% | 4,163 |
| Noninterest income to average assets | 0.8486% | 2,245 |
| Noninterest expense to average assets | 2.7842% | 4,891 |
| Loan and lease loss provision to assets | 0.9180% | 1,623 |
| Net operating income to assets | 0.5907% | 4,347 |
| Return on assets (ROA) | 0.5930% | 4,198 |
| Pretax return on assets | 0.6132% | 4,655 |
| Return on Equity (ROE) | 7.4848% | 3,289 |
| Retained earnings to average equity (ytd only) | 0.4099% | 4,998 |
| Net charge-offs to loans | 0.8016% | 1,557 |
| Credit loss provision to net charge-offs | 168.4397% | 3,053 |
| Earnings coverage of net charge-offs (x) | 2.8051% | 4,683 |
| Efficiency ratio | 63.6248% | 5,641 |
| Assets per employee ($millions) | 3.8576% | 3,837 |
| Cash dividends to net income (ytd only)* | 94.5241% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 2,141 |
| Loan loss allowance to noncurrent loans | 99.2463% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 3,455 |
| Noncurrent loans to loans | 1.6364% | 3,318 |
| Net loans and leases to total assets | 66.9544% | 4,646 |
| Net loans and leases to deposits | 93.3374% | 2,890 |
| Net loans and leases to core deposits | 114.0866% | 3,331 |
| Total domestic deposits to total assets | 71.7338% | 7,047 |
| Equity capital to assets | 7.5029% | 7,375 |
| Core capital (leverage) ratio | 7.4434% | 7,270 |
| Tier 1 risk-based capital ratio | 11.1184% | 5,627 |
| Total risk-based capital ratio | 12.3735% | 5,504 |
| Memoranda: | ||
| Average total assets | $1,034,817,200 | 638 |
| Average earning assets | $952,307,800 | 629 |
| Average equity | $81,980,000 | 811 |
| Average total loans | $703,609,800 | 677 |