Home > Lone Star National Bank > Performance and Condition Ratios
Lone Star National 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 | 4.7380% | 2,598 |
| Cost of funding earning assets | 1.1868% | 2,832 |
| Net interest margin | 3.5512% | 2,062 |
| Noninterest income to average assets | 1.1500% | 518 |
| Noninterest expense to average assets | 3.0292% | 1,084 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4235% | 1,172 |
| Return on assets (ROA) | 1.4235% | 1,143 |
| Pretax return on assets | 1.4262% | 1,580 |
| Return on Equity (ROE) | 15.8100% | 1,134 |
| Retained earnings to average equity (ytd only) | 12.6230% | 556 |
| Net charge-offs to loans | 0.0689% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 45.5286% | 1,350 |
| Efficiency ratio | 67.9896% | 2,112 |
| Assets per employee ($millions) | 4.1567% | 4,105 |
| Cash dividends to net income (ytd only)* | 20.1654% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6075% | 822 |
| Loan loss allowance to noncurrent loans | 212.6375% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7675% | 670 |
| Noncurrent loans to loans | 0.7560% | 1,036 |
| Net loans and leases to total assets | 47.8400% | 3,735 |
| Net loans and leases to deposits | 53.9811% | 3,797 |
| Net loans and leases to core deposits | 60.6461% | 3,741 |
| Total domestic deposits to total assets | 88.6200% | 1,176 |
| Equity capital to assets | 10.1383% | 1,926 |
| Core capital (leverage) ratio | 12.8422% | 1,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8341% | 550 |
| Memoranda: | ||
| Average total assets | $2,904,984,400 | 405 |
| Average earning assets | $2,702,696,600 | 395 |
| Average equity | $261,538,400 | 440 |
| Average total loans | $1,321,575,000 | 575 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 2,481 |
| Cost of funding earning assets | 1.1250% | 2,670 |
| Net interest margin | 3.5702% | 2,073 |
| Noninterest income to average assets | 1.1100% | 548 |
| Noninterest expense to average assets | 2.9671% | 1,117 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4689% | 1,191 |
| Return on assets (ROA) | 1.4689% | 1,174 |
| Pretax return on assets | 1.4714% | 1,627 |
| Return on Equity (ROE) | 16.8600% | 1,100 |
| Retained earnings to average equity (ytd only) | 12.9150% | 829 |
| Net charge-offs to loans | 0.0351% | 1,388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 93.7097% | 953 |
| Efficiency ratio | 66.8482% | 2,169 |
| Assets per employee ($millions) | 3.8951% | 4,205 |
| Cash dividends to net income (ytd only)* | 23.3793% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 676 |
| Loan loss allowance to noncurrent loans | 74.8309% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 398 |
| Noncurrent loans to loans | 2.2945% | 226 |
| Net loans and leases to total assets | 48.5800% | 3,707 |
| Net loans and leases to deposits | 53.8819% | 3,791 |
| Net loans and leases to core deposits | 60.4110% | 3,684 |
| Total domestic deposits to total assets | 90.1600% | 900 |
| Equity capital to assets | 8.5321% | 2,708 |
| Core capital (leverage) ratio | 12.6329% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0348% | 548 |
| Memoranda: | ||
| Average total assets | $2,895,490,000 | 408 |
| Average earning assets | $2,696,826,500 | 398 |
| Average equity | $252,331,500 | 446 |
| Average total loans | $1,294,254,500 | 587 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 2,402 |
| Cost of funding earning assets | 1.0650% | 2,401 |
| Net interest margin | 3.5425% | 2,172 |
| Noninterest income to average assets | 1.1000% | 492 |
| Noninterest expense to average assets | 2.8310% | 1,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5703% | 989 |
| Return on assets (ROA) | 1.5703% | 985 |
| Pretax return on assets | 1.5729% | 1,461 |
| Return on Equity (ROE) | 17.9000% | 970 |
| Retained earnings to average equity (ytd only) | 12.8993% | 822 |
| Net charge-offs to loans | 0.0274% | 1,340 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 132.6552% | 798 |
| Efficiency ratio | 64.2837% | 2,451 |
| Assets per employee ($millions) | 3.9255% | 4,216 |
| Cash dividends to net income (ytd only)* | 27.9422% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8100% | 596 |
| Loan loss allowance to noncurrent loans | 74.2578% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 366 |
| Noncurrent loans to loans | 2.4375% | 191 |
| Net loans and leases to total assets | 46.1400% | 3,790 |
| Net loans and leases to deposits | 51.3737% | 3,862 |
| Net loans and leases to core deposits | 56.8079% | 3,781 |
| Total domestic deposits to total assets | 89.8100% | 978 |
| Equity capital to assets | 9.4151% | 2,225 |
| Core capital (leverage) ratio | 12.1482% | 1,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9065% | 559 |
| Memoranda: | ||
| Average total assets | $2,934,907,667 | 394 |
| Average earning assets | $2,736,385,000 | 384 |
| Average equity | $257,456,333 | 432 |
| Average total loans | $1,268,070,333 | 585 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 2,267 |
| Cost of funding earning assets | 1.0280% | 1,956 |
| Net interest margin | 3.4918% | 2,388 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 2.7283% | 1,598 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5753% | 1,027 |
| Return on assets (ROA) | 1.5753% | 1,023 |
| Pretax return on assets | 1.5781% | 1,513 |
| Return on Equity (ROE) | 18.5900% | 949 |
| Retained earnings to average equity (ytd only) | 18.1684% | 500 |
| Net charge-offs to loans | 0.0369% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 103.1565% | 776 |
| Efficiency ratio | 63.3541% | 2,531 |
| Assets per employee ($millions) | 4.4189% | 4,068 |
| Cash dividends to net income (ytd only)* | 2.2716% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 546 |
| Loan loss allowance to noncurrent loans | 73.4181% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 1.1142% | 348 |
| Noncurrent loans to loans | 2.5749% | 184 |
| Net loans and leases to total assets | 41.8400% | 3,959 |
| Net loans and leases to deposits | 46.3464% | 4,027 |
| Net loans and leases to core deposits | 51.0068% | 3,958 |
| Total domestic deposits to total assets | 90.2700% | 1,060 |
| Equity capital to assets | 9.1169% | 2,431 |
| Core capital (leverage) ratio | 11.3954% | 1,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1151% | 563 |
| Memoranda: | ||
| Average total assets | $3,006,836,000 | 401 |
| Average earning assets | $2,809,643,000 | 385 |
| Average equity | $254,794,500 | 446 |
| Average total loans | $1,246,366,500 | 603 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 2,931 |
| Cost of funding earning assets | 0.4515% | 1,715 |
| Net interest margin | 3.1017% | 3,172 |
| Noninterest income to average assets | 1.0600% | 580 |
| Noninterest expense to average assets | 2.4601% | 2,237 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4866% | 911 |
| Return on assets (ROA) | 1.4866% | 876 |
| Pretax return on assets | 1.5130% | 1,412 |
| Return on Equity (ROE) | 19.1000% | 561 |
| Retained earnings to average equity (ytd only) | 10.1152% | 1,115 |
| Net charge-offs to loans | -0.1125% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.9194% | 2,775 |
| Assets per employee ($millions) | 4.6515% | 3,937 |
| Cash dividends to net income (ytd only)* | 47.0278% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9379% | 485 |
| Loan loss allowance to noncurrent loans | 107.3539% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7449% | 633 |
| Noncurrent loans to loans | 1.8051% | 330 |
| Net loans and leases to total assets | 39.5300% | 4,079 |
| Net loans and leases to deposits | 43.0473% | 4,146 |
| Net loans and leases to core deposits | 47.0799% | 4,085 |
| Total domestic deposits to total assets | 91.8400% | 679 |
| Equity capital to assets | 7.8282% | 3,167 |
| Core capital (leverage) ratio | 10.6649% | 2,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4566% | 587 |
| Memoranda: | ||
| Average total assets | $3,073,437,800 | 386 |
| Average earning assets | $2,881,773,400 | 374 |
| Average equity | $239,273,600 | 457 |
| Average total loans | $1,203,925,800 | 580 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2910% | 3,201 |
| Cost of funding earning assets | 0.3373% | 1,802 |
| Net interest margin | 2.9537% | 3,352 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 2.4334% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3078% | 1,325 |
| Return on assets (ROA) | 1.3078% | 1,290 |
| Pretax return on assets | 1.3156% | 1,995 |
| Return on Equity (ROE) | 16.8200% | 830 |
| Retained earnings to average equity (ytd only) | 12.6071% | 678 |
| Net charge-offs to loans | -0.1655% | 4,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.9089% | 2,420 |
| Assets per employee ($millions) | 4.6966% | 3,912 |
| Cash dividends to net income (ytd only)* | 25.0522% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9633% | 532 |
| Loan loss allowance to noncurrent loans | 103.1845% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 631 |
| Noncurrent loans to loans | 1.9027% | 321 |
| Net loans and leases to total assets | 39.3300% | 4,097 |
| Net loans and leases to deposits | 42.5888% | 4,161 |
| Net loans and leases to core deposits | 46.3189% | 4,091 |
| Total domestic deposits to total assets | 92.3400% | 769 |
| Equity capital to assets | 7.3617% | 3,293 |
| Core capital (leverage) ratio | 10.6765% | 1,973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5788% | 593 |
| Memoranda: | ||
| Average total assets | $3,076,619,250 | 387 |
| Average earning assets | $2,886,549,250 | 372 |
| Average equity | $239,192,250 | 462 |
| Average total loans | $1,196,422,750 | 577 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0673% | 3,384 |
| Cost of funding earning assets | 0.2471% | 2,310 |
| Net interest margin | 2.8202% | 3,378 |
| Noninterest income to average assets | 0.9568% | 739 |
| Noninterest expense to average assets | 2.4044% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1986% | 1,433 |
| Return on assets (ROA) | 1.1986% | 1,415 |
| Pretax return on assets | 1.2009% | 2,074 |
| Return on Equity (ROE) | 15.1518% | 863 |
| Retained earnings to average equity (ytd only) | 12.2683% | 567 |
| Net charge-offs to loans | -0.0088% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6906% | 2,415 |
| Assets per employee ($millions) | 4.9049% | 3,758 |
| Cash dividends to net income (ytd only)* | 19.0306% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9139% | 646 |
| Loan loss allowance to noncurrent loans | 102.0125% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 0.7758% | 671 |
| Noncurrent loans to loans | 1.8762% | 356 |
| Net loans and leases to total assets | 36.6797% | 4,220 |
| Net loans and leases to deposits | 40.1255% | 4,261 |
| Net loans and leases to core deposits | 43.6913% | 4,202 |
| Total domestic deposits to total assets | 91.4124% | 1,057 |
| Equity capital to assets | 8.3534% | 2,870 |
| Core capital (leverage) ratio | 10.8341% | 1,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8575% | 485 |
| Memoranda: | ||
| Average total assets | $3,084,565,667 | 379 |
| Average earning assets | $2,896,663,667 | 368 |
| Average equity | $244,011,333 | 456 |
| Average total loans | $1,187,047,000 | 571 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8806% | 3,579 |
| Cost of funding earning assets | 0.2328% | 2,351 |
| Net interest margin | 2.6478% | 3,531 |
| Noninterest income to average assets | 0.9638% | 733 |
| Noninterest expense to average assets | 2.3663% | 2,283 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0840% | 1,566 |
| Return on assets (ROA) | 1.0840% | 1,562 |
| Pretax return on assets | 1.0851% | 2,190 |
| Return on Equity (ROE) | 14.1128% | 815 |
| Retained earnings to average equity (ytd only) | 8.9864% | 1,275 |
| Net charge-offs to loans | -0.0161% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5606% | 2,437 |
| Assets per employee ($millions) | 4.6713% | 4,021 |
| Cash dividends to net income (ytd only)* | 36.3240% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9108% | 727 |
| Loan loss allowance to noncurrent loans | 86.5329% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 552 |
| Noncurrent loans to loans | 2.2081% | 304 |
| Net loans and leases to total assets | 38.2766% | 4,108 |
| Net loans and leases to deposits | 41.2400% | 4,192 |
| Net loans and leases to core deposits | 46.0419% | 4,069 |
| Total domestic deposits to total assets | 92.8144% | 318 |
| Equity capital to assets | 6.9862% | 4,226 |
| Core capital (leverage) ratio | 7.9808% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9035% | 1,286 |
| Memoranda: | ||
| Average total assets | $3,047,475,000 | 387 |
| Average earning assets | $2,863,015,000 | 378 |
| Average equity | $234,086,000 | 476 |
| Average total loans | $1,189,957,000 | 569 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4841% | 2,702 |
| Cost of funding earning assets | 0.2758% | 2,641 |
| Net interest margin | 3.2082% | 2,578 |
| Noninterest income to average assets | 0.9883% | 1,026 |
| Noninterest expense to average assets | 2.4255% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1659% | 2,035 |
| Return on assets (ROA) | 1.2691% | 1,748 |
| Pretax return on assets | 1.6898% | 1,176 |
| Return on Equity (ROE) | 11.6845% | 1,921 |
| Retained earnings to average equity (ytd only) | -12.7002% | 4,787 |
| Net charge-offs to loans | -0.1854% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8716% | 3,016 |
| Assets per employee ($millions) | 4.7127% | 3,959 |
| Cash dividends to net income (ytd only)* | 208.6927% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 748 |
| Loan loss allowance to noncurrent loans | 79.9582% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.0007% | 564 |
| Noncurrent loans to loans | 2.3570% | 295 |
| Net loans and leases to total assets | 38.3358% | 4,175 |
| Net loans and leases to deposits | 41.9457% | 4,276 |
| Net loans and leases to core deposits | 46.9340% | 4,145 |
| Total domestic deposits to total assets | 91.3937% | 346 |
| Equity capital to assets | 8.3692% | 4,133 |
| Core capital (leverage) ratio | 7.9102% | 4,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,831,675,600 | 393 |
| Average earning assets | $2,644,605,200 | 388 |
| Average equity | $307,570,200 | 393 |
| Average total loans | $1,262,608,800 | 542 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 2,479 |
| Cost of funding earning assets | 0.2918% | 2,671 |
| Net interest margin | 3.3354% | 2,318 |
| Noninterest income to average assets | 0.9810% | 1,105 |
| Noninterest expense to average assets | 2.4573% | 2,251 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3365% | 1,722 |
| Return on assets (ROA) | 1.4667% | 1,398 |
| Pretax return on assets | 1.7919% | 1,180 |
| Return on Equity (ROE) | 12.6983% | 1,799 |
| Retained earnings to average equity (ytd only) | 12.6983% | 687 |
| Net charge-offs to loans | -0.2560% | 4,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0738% | 2,977 |
| Assets per employee ($millions) | 4.5161% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8529% | 839 |
| Loan loss allowance to noncurrent loans | 82.1896% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0985% | 575 |
| Noncurrent loans to loans | 2.2544% | 363 |
| Net loans and leases to total assets | 41.1640% | 4,137 |
| Net loans and leases to deposits | 46.5783% | 4,206 |
| Net loans and leases to core deposits | 52.8778% | 3,988 |
| Total domestic deposits to total assets | 88.3760% | 1,630 |
| Equity capital to assets | 11.3465% | 1,773 |
| Core capital (leverage) ratio | 10.7665% | 1,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,773,778,000 | 401 |
| Average earning assets | $2,585,819,000 | 397 |
| Average equity | $320,369,750 | 379 |
| Average total loans | $1,279,040,250 | 540 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4831% | 2,929 |
| Cost of funding earning assets | 0.3122% | 2,659 |
| Net interest margin | 3.1709% | 2,846 |
| Noninterest income to average assets | 0.9990% | 1,073 |
| Noninterest expense to average assets | 2.4747% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2185% | 2,114 |
| Return on assets (ROA) | 1.2254% | 2,164 |
| Pretax return on assets | 1.4835% | 2,072 |
| Return on Equity (ROE) | 10.5430% | 2,570 |
| Retained earnings to average equity (ytd only) | 10.5430% | 1,239 |
| Net charge-offs to loans | -0.3628% | 4,859 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6525% | 2,639 |
| Assets per employee ($millions) | 4.3771% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7131% | 1,033 |
| Loan loss allowance to noncurrent loans | 45.9955% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.9362% | 223 |
| Noncurrent loans to loans | 3.7246% | 160 |
| Net loans and leases to total assets | 45.0286% | 3,971 |
| Net loans and leases to deposits | 50.8942% | 4,056 |
| Net loans and leases to core deposits | 57.6626% | 3,783 |
| Total domestic deposits to total assets | 88.4750% | 1,577 |
| Equity capital to assets | 11.2814% | 1,767 |
| Core capital (leverage) ratio | 10.7425% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,725,900,000 | 405 |
| Average earning assets | $2,536,759,333 | 399 |
| Average equity | $316,818,000 | 378 |
| Average total loans | $1,297,521,667 | 536 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4550% | 3,056 |
| Cost of funding earning assets | 0.3333% | 2,678 |
| Net interest margin | 3.1217% | 2,924 |
| Noninterest income to average assets | 0.9770% | 1,170 |
| Noninterest expense to average assets | 2.5583% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0985% | 2,481 |
| Return on assets (ROA) | 1.1126% | 2,514 |
| Pretax return on assets | 1.3358% | 2,472 |
| Return on Equity (ROE) | 9.4231% | 2,880 |
| Retained earnings to average equity (ytd only) | 9.4231% | 1,820 |
| Net charge-offs to loans | -0.1240% | 4,697 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9856% | 2,237 |
| Assets per employee ($millions) | 4.1798% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,347 |
| Loan loss allowance to noncurrent loans | 35.9742% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.4130% | 175 |
| Noncurrent loans to loans | 4.3903% | 113 |
| Net loans and leases to total assets | 46.9227% | 3,895 |
| Net loans and leases to deposits | 53.0731% | 3,996 |
| Net loans and leases to core deposits | 60.1651% | 3,687 |
| Total domestic deposits to total assets | 88.4116% | 1,650 |
| Equity capital to assets | 11.2823% | 1,668 |
| Core capital (leverage) ratio | 10.9805% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,650,987,500 | 409 |
| Average earning assets | $2,462,781,000 | 405 |
| Average equity | $313,016,500 | 377 |
| Average total loans | $1,287,547,500 | 542 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7426% | 3,467 |
| Cost of funding earning assets | 0.5142% | 2,857 |
| Net interest margin | 3.2283% | 3,276 |
| Noninterest income to average assets | 0.9553% | 1,131 |
| Noninterest expense to average assets | 2.6846% | 2,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0538% | 2,089 |
| Return on assets (ROA) | 1.0884% | 2,090 |
| Pretax return on assets | 1.2928% | 2,001 |
| Return on Equity (ROE) | 8.7682% | 2,484 |
| Retained earnings to average equity (ytd only) | 4.5644% | 2,498 |
| Net charge-offs to loans | 0.1252% | 1,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 20.1441% | 1,947 |
| Efficiency ratio | 68.2017% | 2,212 |
| Assets per employee ($millions) | 4.0766% | 4,318 |
| Cash dividends to net income (ytd only)* | 47.9439% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5921% | 1,318 |
| Loan loss allowance to noncurrent loans | 57.0940% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.7248% | 374 |
| Noncurrent loans to loans | 2.7885% | 335 |
| Net loans and leases to total assets | 48.7335% | 3,923 |
| Net loans and leases to deposits | 55.8287% | 4,011 |
| Net loans and leases to core deposits | 63.4214% | 3,738 |
| Total domestic deposits to total assets | 87.2912% | 1,799 |
| Equity capital to assets | 12.3683% | 1,385 |
| Core capital (leverage) ratio | 11.1504% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,491,291,000 | 396 |
| Average earning assets | $2,300,450,600 | 391 |
| Average equity | $309,242,800 | 357 |
| Average total loans | $1,236,170,600 | 533 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8399% | 3,442 |
| Cost of funding earning assets | 0.5631% | 2,849 |
| Net interest margin | 3.2768% | 3,254 |
| Noninterest income to average assets | 0.9711% | 1,082 |
| Noninterest expense to average assets | 2.7475% | 2,128 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0400% | 2,194 |
| Return on assets (ROA) | 1.0859% | 2,161 |
| Pretax return on assets | 1.3016% | 2,042 |
| Return on Equity (ROE) | 8.7396% | 2,507 |
| Retained earnings to average equity (ytd only) | 8.7396% | 1,060 |
| Net charge-offs to loans | 0.1789% | 834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 14.0358% | 2,170 |
| Efficiency ratio | 68.7941% | 2,071 |
| Assets per employee ($millions) | 4.0194% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 1,124 |
| Loan loss allowance to noncurrent loans | 83.9818% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.4403% | 612 |
| Noncurrent loans to loans | 1.8948% | 672 |
| Net loans and leases to total assets | 48.9733% | 4,158 |
| Net loans and leases to deposits | 56.8540% | 4,218 |
| Net loans and leases to core deposits | 65.5778% | 3,917 |
| Total domestic deposits to total assets | 86.1387% | 2,011 |
| Equity capital to assets | 12.8413% | 1,250 |
| Core capital (leverage) ratio | 11.1561% | 1,790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,473,066,500 | 392 |
| Average earning assets | $2,281,302,000 | 385 |
| Average equity | $307,266,750 | 352 |
| Average total loans | $1,227,754,250 | 526 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 3,506 |
| Cost of funding earning assets | 0.6376% | 2,769 |
| Net interest margin | 3.2989% | 3,391 |
| Noninterest income to average assets | 0.9686% | 1,041 |
| Noninterest expense to average assets | 2.7943% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0086% | 2,290 |
| Return on assets (ROA) | 1.0768% | 2,176 |
| Pretax return on assets | 1.2952% | 2,042 |
| Return on Equity (ROE) | 8.7681% | 2,464 |
| Retained earnings to average equity (ytd only) | 8.7681% | 1,088 |
| Net charge-offs to loans | 0.2744% | 578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.9107% | 2,256 |
| Efficiency ratio | 69.7310% | 1,993 |
| Assets per employee ($millions) | 4.0040% | 4,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 1,129 |
| Loan loss allowance to noncurrent loans | 74.2262% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.5610% | 584 |
| Noncurrent loans to loans | 2.0864% | 621 |
| Net loans and leases to total assets | 49.6979% | 4,176 |
| Net loans and leases to deposits | 57.4959% | 4,245 |
| Net loans and leases to core deposits | 67.1723% | 3,913 |
| Total domestic deposits to total assets | 86.4374% | 1,827 |
| Equity capital to assets | 12.4133% | 1,422 |
| Core capital (leverage) ratio | 11.4324% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,450,665,333 | 389 |
| Average earning assets | $2,257,389,000 | 382 |
| Average equity | $300,954,333 | 359 |
| Average total loans | $1,215,615,000 | 526 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 3,461 |
| Cost of funding earning assets | 0.7945% | 2,426 |
| Net interest margin | 3.3271% | 3,526 |
| Noninterest income to average assets | 1.0638% | 753 |
| Noninterest expense to average assets | 2.9106% | 2,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9903% | 2,209 |
| Return on assets (ROA) | 1.1131% | 1,895 |
| Pretax return on assets | 1.3593% | 1,691 |
| Return on Equity (ROE) | 9.1173% | 2,060 |
| Retained earnings to average equity (ytd only) | 9.1173% | 942 |
| Net charge-offs to loans | -0.0664% | 4,716 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6437% | 2,262 |
| Assets per employee ($millions) | 3.6459% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8600% | 650 |
| Loan loss allowance to noncurrent loans | 71.7295% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.7980% | 509 |
| Noncurrent loans to loans | 2.5931% | 447 |
| Net loans and leases to total assets | 49.0431% | 4,287 |
| Net loans and leases to deposits | 58.1649% | 4,283 |
| Net loans and leases to core deposits | 68.0786% | 3,985 |
| Total domestic deposits to total assets | 84.3174% | 2,664 |
| Equity capital to assets | 12.8645% | 1,516 |
| Core capital (leverage) ratio | 11.8784% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,390,712,500 | 385 |
| Average earning assets | $2,196,114,500 | 378 |
| Average equity | $291,885,000 | 367 |
| Average total loans | $1,174,614,000 | 522 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3847% | 3,293 |
| Cost of funding earning assets | 0.9435% | 1,989 |
| Net interest margin | 3.4412% | 3,622 |
| Noninterest income to average assets | 1.1159% | 763 |
| Noninterest expense to average assets | 3.0286% | 1,941 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0186% | 2,779 |
| Return on assets (ROA) | 1.1021% | 2,534 |
| Pretax return on assets | 1.3295% | 2,398 |
| Return on Equity (ROE) | 9.1807% | 2,674 |
| Retained earnings to average equity (ytd only) | 4.6041% | 2,649 |
| Net charge-offs to loans | -0.0033% | 4,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1366% | 1,998 |
| Assets per employee ($millions) | 3.7618% | 4,202 |
| Cash dividends to net income (ytd only)* | 49.8504% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8624% | 594 |
| Loan loss allowance to noncurrent loans | 72.9944% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7682% | 501 |
| Noncurrent loans to loans | 2.5514% | 417 |
| Net loans and leases to total assets | 47.4119% | 4,456 |
| Net loans and leases to deposits | 56.9464% | 4,419 |
| Net loans and leases to core deposits | 67.0924% | 4,130 |
| Total domestic deposits to total assets | 83.2571% | 3,118 |
| Equity capital to assets | 11.5690% | 2,472 |
| Core capital (leverage) ratio | 11.8503% | 1,870 |
| Tier 1 risk-based capital ratio | 18.7851% | 1,569 |
| Total risk-based capital ratio | 20.0406% | 1,533 |
| Memoranda: | ||
| Average total assets | $2,275,131,800 | 380 |
| Average earning assets | $2,076,990,800 | 379 |
| Average equity | $273,128,600 | 372 |
| Average total loans | $1,175,115,200 | 498 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5007% | 3,061 |
| Cost of funding earning assets | 0.9800% | 1,845 |
| Net interest margin | 3.5207% | 3,500 |
| Noninterest income to average assets | 1.1395% | 704 |
| Noninterest expense to average assets | 3.1093% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0299% | 2,861 |
| Return on assets (ROA) | 1.1156% | 2,602 |
| Pretax return on assets | 1.3421% | 2,522 |
| Return on Equity (ROE) | 9.2022% | 2,801 |
| Retained earnings to average equity (ytd only) | 9.2022% | 991 |
| Net charge-offs to loans | -0.0301% | 4,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5084% | 1,899 |
| Assets per employee ($millions) | 3.4811% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8643% | 586 |
| Loan loss allowance to noncurrent loans | 84.2476% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.8881% | 497 |
| Noncurrent loans to loans | 2.2129% | 573 |
| Net loans and leases to total assets | 53.2941% | 4,232 |
| Net loans and leases to deposits | 62.3056% | 4,270 |
| Net loans and leases to core deposits | 75.1701% | 3,754 |
| Total domestic deposits to total assets | 85.5366% | 2,193 |
| Equity capital to assets | 13.3367% | 1,441 |
| Core capital (leverage) ratio | 12.6425% | 1,509 |
| Tier 1 risk-based capital ratio | 19.2188% | 1,519 |
| Total risk-based capital ratio | 20.4730% | 1,485 |
| Memoranda: | ||
| Average total assets | $2,239,198,500 | 384 |
| Average earning assets | $2,040,726,500 | 384 |
| Average equity | $271,451,250 | 377 |
| Average total loans | $1,176,745,250 | 501 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 3,177 |
| Cost of funding earning assets | 0.9758% | 1,809 |
| Net interest margin | 3.4761% | 3,669 |
| Noninterest income to average assets | 1.1295% | 662 |
| Noninterest expense to average assets | 3.1492% | 1,616 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9602% | 3,062 |
| Return on assets (ROA) | 1.0034% | 2,977 |
| Pretax return on assets | 1.2010% | 2,897 |
| Return on Equity (ROE) | 8.5511% | 3,046 |
| Retained earnings to average equity (ytd only) | 8.5511% | 1,183 |
| Net charge-offs to loans | -0.0612% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2580% | 1,736 |
| Assets per employee ($millions) | 3.5659% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8615% | 610 |
| Loan loss allowance to noncurrent loans | 76.6947% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.9062% | 507 |
| Noncurrent loans to loans | 2.4271% | 496 |
| Net loans and leases to total assets | 51.0184% | 4,409 |
| Net loans and leases to deposits | 59.9778% | 4,427 |
| Net loans and leases to core deposits | 71.8502% | 4,012 |
| Total domestic deposits to total assets | 85.0622% | 2,448 |
| Equity capital to assets | 12.2200% | 2,041 |
| Core capital (leverage) ratio | 12.1860% | 1,706 |
| Tier 1 risk-based capital ratio | 18.8668% | 1,582 |
| Total risk-based capital ratio | 20.1212% | 1,551 |
| Memoranda: | ||
| Average total assets | $2,261,532,670 | 383 |
| Average earning assets | $2,061,908,330 | 384 |
| Average equity | $265,368,670 | 382 |
| Average total loans | $1,175,778,670 | 503 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 3,121 |
| Cost of funding earning assets | 0.9665% | 1,711 |
| Net interest margin | 3.4621% | 3,711 |
| Noninterest income to average assets | 1.1821% | 580 |
| Noninterest expense to average assets | 3.1773% | 1,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9764% | 2,940 |
| Return on assets (ROA) | 0.9764% | 2,983 |
| Pretax return on assets | 1.1585% | 2,945 |
| Return on Equity (ROE) | 8.4992% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.4992% | 1,491 |
| Net charge-offs to loans | -0.0810% | 4,974 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2809% | 1,846 |
| Assets per employee ($millions) | 3.4688% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8739% | 619 |
| Loan loss allowance to noncurrent loans | 75.6849% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.9526% | 519 |
| Noncurrent loans to loans | 2.4759% | 535 |
| Net loans and leases to total assets | 50.1603% | 4,456 |
| Net loans and leases to deposits | 59.6158% | 4,431 |
| Net loans and leases to core deposits | 70.6935% | 4,038 |
| Total domestic deposits to total assets | 84.1392% | 2,995 |
| Equity capital to assets | 11.5600% | 2,343 |
| Core capital (leverage) ratio | 11.7399% | 1,946 |
| Tier 1 risk-based capital ratio | 18.4968% | 1,664 |
| Total risk-based capital ratio | 19.7510% | 1,612 |
| Memoranda: | ||
| Average total assets | $2,251,212,500 | 386 |
| Average earning assets | $2,050,646,000 | 387 |
| Average equity | $258,612,000 | 387 |
| Average total loans | $1,170,461,000 | 507 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 2,888 |
| Cost of funding earning assets | 0.7363% | 1,870 |
| Net interest margin | 3.6266% | 3,292 |
| Noninterest income to average assets | 1.3547% | 498 |
| Noninterest expense to average assets | 3.3610% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1838% | 2,248 |
| Return on assets (ROA) | 1.1836% | 2,243 |
| Pretax return on assets | 1.2936% | 2,524 |
| Return on Equity (ROE) | 10.2898% | 2,399 |
| Retained earnings to average equity (ytd only) | 5.4468% | 2,506 |
| Net charge-offs to loans | 0.0200% | 3,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 119.1026% | 655 |
| Efficiency ratio | 72.2053% | 1,868 |
| Assets per employee ($millions) | 3.2832% | 4,753 |
| Cash dividends to net income (ytd only)* | 47.0662% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 613 |
| Loan loss allowance to noncurrent loans | 69.3868% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 2.1006% | 441 |
| Noncurrent loans to loans | 2.6787% | 430 |
| Net loans and leases to total assets | 51.9165% | 4,414 |
| Net loans and leases to deposits | 59.2951% | 4,515 |
| Net loans and leases to core deposits | 70.1238% | 4,109 |
| Total domestic deposits to total assets | 87.5561% | 1,504 |
| Equity capital to assets | 11.4126% | 2,319 |
| Core capital (leverage) ratio | 11.8875% | 1,810 |
| Tier 1 risk-based capital ratio | 18.3122% | 1,663 |
| Total risk-based capital ratio | 19.5664% | 1,615 |
| Memoranda: | ||
| Average total assets | $2,154,126,200 | 395 |
| Average earning assets | $1,960,191,000 | 393 |
| Average equity | $247,779,400 | 388 |
| Average total loans | $1,167,257,200 | 496 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3435% | 2,811 |
| Cost of funding earning assets | 0.6999% | 1,848 |
| Net interest margin | 3.6436% | 3,212 |
| Noninterest income to average assets | 1.3230% | 548 |
| Noninterest expense to average assets | 3.3503% | 1,199 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1566% | 2,419 |
| Return on assets (ROA) | 1.1563% | 2,424 |
| Pretax return on assets | 1.2888% | 2,667 |
| Return on Equity (ROE) | 10.0326% | 2,608 |
| Retained earnings to average equity (ytd only) | 10.0326% | 914 |
| Net charge-offs to loans | -0.0359% | 4,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2154% | 1,850 |
| Assets per employee ($millions) | 3.0900% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 554 |
| Loan loss allowance to noncurrent loans | 76.4544% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.1621% | 462 |
| Noncurrent loans to loans | 2.5306% | 513 |
| Net loans and leases to total assets | 55.1104% | 4,285 |
| Net loans and leases to deposits | 64.3439% | 4,309 |
| Net loans and leases to core deposits | 77.0783% | 3,733 |
| Total domestic deposits to total assets | 85.6497% | 2,346 |
| Equity capital to assets | 12.2450% | 1,741 |
| Core capital (leverage) ratio | 12.6421% | 1,440 |
| Tier 1 risk-based capital ratio | 19.0601% | 1,523 |
| Total risk-based capital ratio | 20.3152% | 1,492 |
| Memoranda: | ||
| Average total assets | $2,140,262,750 | 397 |
| Average earning assets | $1,948,041,250 | 398 |
| Average equity | $246,681,750 | 388 |
| Average total loans | $1,166,856,000 | 491 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3030% | 2,748 |
| Cost of funding earning assets | 0.6816% | 1,729 |
| Net interest margin | 3.6214% | 3,233 |
| Noninterest income to average assets | 1.3877% | 496 |
| Noninterest expense to average assets | 3.3004% | 1,322 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2300% | 2,060 |
| Return on assets (ROA) | 1.2297% | 2,059 |
| Pretax return on assets | 1.3894% | 2,186 |
| Return on Equity (ROE) | 10.8826% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.8826% | 692 |
| Net charge-offs to loans | -0.0401% | 4,841 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3675% | 2,252 |
| Assets per employee ($millions) | 3.2412% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 624 |
| Loan loss allowance to noncurrent loans | 82.7424% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 532 |
| Noncurrent loans to loans | 2.3052% | 590 |
| Net loans and leases to total assets | 54.4290% | 4,301 |
| Net loans and leases to deposits | 62.9531% | 4,358 |
| Net loans and leases to core deposits | 74.6131% | 3,834 |
| Total domestic deposits to total assets | 86.4595% | 2,073 |
| Equity capital to assets | 11.8381% | 1,964 |
| Core capital (leverage) ratio | 12.1369% | 1,627 |
| Tier 1 risk-based capital ratio | 18.4880% | 1,675 |
| Total risk-based capital ratio | 19.7429% | 1,641 |
| Memoranda: | ||
| Average total assets | $2,170,798,330 | 392 |
| Average earning assets | $1,979,635,670 | 392 |
| Average equity | $245,289,670 | 389 |
| Average total loans | $1,172,042,330 | 486 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,477 |
| Cost of funding earning assets | 0.6624% | 1,646 |
| Net interest margin | 3.3749% | 3,965 |
| Noninterest income to average assets | 1.3727% | 492 |
| Noninterest expense to average assets | 3.2079% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1044% | 2,400 |
| Return on assets (ROA) | 1.1038% | 2,418 |
| Pretax return on assets | 1.2500% | 2,550 |
| Return on Equity (ROE) | 9.9947% | 2,433 |
| Retained earnings to average equity (ytd only) | 9.9947% | 1,157 |
| Net charge-offs to loans | 0.0197% | 2,102 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 119.0172% | 528 |
| Efficiency ratio | 71.9481% | 2,204 |
| Assets per employee ($millions) | 3.3255% | 4,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8729% | 695 |
| Loan loss allowance to noncurrent loans | 69.1002% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 2.1203% | 512 |
| Noncurrent loans to loans | 2.7103% | 469 |
| Net loans and leases to total assets | 52.6030% | 4,396 |
| Net loans and leases to deposits | 60.3196% | 4,449 |
| Net loans and leases to core deposits | 71.1630% | 4,019 |
| Total domestic deposits to total assets | 87.2071% | 2,040 |
| Equity capital to assets | 11.1374% | 2,445 |
| Core capital (leverage) ratio | 11.3129% | 2,156 |
| Tier 1 risk-based capital ratio | 17.7704% | 1,899 |
| Total risk-based capital ratio | 19.0249% | 1,847 |
| Memoranda: | ||
| Average total assets | $2,207,680,500 | 388 |
| Average earning assets | $2,018,657,500 | 386 |
| Average equity | $243,810,000 | 395 |
| Average total loans | $1,176,269,500 | 490 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 3,156 |
| Cost of funding earning assets | 0.6083% | 1,543 |
| Net interest margin | 3.4661% | 3,633 |
| Noninterest income to average assets | 1.0525% | 918 |
| Noninterest expense to average assets | 3.2537% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4216% | 4,620 |
| Return on assets (ROA) | 0.5225% | 4,349 |
| Pretax return on assets | 1.1032% | 3,174 |
| Return on Equity (ROE) | 4.5730% | 4,325 |
| Retained earnings to average equity (ytd only) | -2.2267% | 5,303 |
| Net charge-offs to loans | 0.1102% | 1,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 15.7683% | 2,221 |
| Efficiency ratio | 77.4834% | 1,427 |
| Assets per employee ($millions) | 3.3491% | 4,879 |
| Cash dividends to net income (ytd only)* | 148.6924% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8561% | 700 |
| Loan loss allowance to noncurrent loans | 65.7721% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1570% | 497 |
| Noncurrent loans to loans | 2.8221% | 415 |
| Net loans and leases to total assets | 51.9792% | 4,514 |
| Net loans and leases to deposits | 59.6919% | 4,587 |
| Net loans and leases to core deposits | 70.8736% | 4,119 |
| Total domestic deposits to total assets | 87.0792% | 1,956 |
| Equity capital to assets | 10.9522% | 2,674 |
| Core capital (leverage) ratio | 11.0906% | 2,253 |
| Tier 1 risk-based capital ratio | 17.2792% | 2,004 |
| Total risk-based capital ratio | 18.5336% | 1,951 |
| Memoranda: | ||
| Average total assets | $2,188,006,800 | 381 |
| Average earning assets | $1,986,388,800 | 377 |
| Average equity | $250,010,400 | 376 |
| Average total loans | $1,190,093,600 | 459 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 3,185 |
| Cost of funding earning assets | 0.6135% | 1,440 |
| Net interest margin | 3.4340% | 3,724 |
| Noninterest income to average assets | 1.0348% | 953 |
| Noninterest expense to average assets | 3.3848% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5240% | 4,668 |
| Return on assets (ROA) | 0.6699% | 4,180 |
| Pretax return on assets | 0.9735% | 3,792 |
| Return on Equity (ROE) | 5.8006% | 4,209 |
| Retained earnings to average equity (ytd only) | 2.0874% | 4,606 |
| Net charge-offs to loans | 0.1058% | 1,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 13.1512% | 2,370 |
| Efficiency ratio | 81.6223% | 950 |
| Assets per employee ($millions) | 3.2574% | 5,004 |
| Cash dividends to net income (ytd only)* | 64.0146% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 734 |
| Loan loss allowance to noncurrent loans | 60.2298% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 2.3608% | 480 |
| Noncurrent loans to loans | 3.1140% | 389 |
| Net loans and leases to total assets | 54.1661% | 4,400 |
| Net loans and leases to deposits | 64.4373% | 4,352 |
| Net loans and leases to core deposits | 78.0382% | 3,631 |
| Total domestic deposits to total assets | 84.0603% | 3,102 |
| Equity capital to assets | 11.8525% | 2,072 |
| Core capital (leverage) ratio | 11.5910% | 1,956 |
| Tier 1 risk-based capital ratio | 17.8025% | 1,911 |
| Total risk-based capital ratio | 19.0570% | 1,859 |
| Memoranda: | ||
| Average total assets | $2,176,547,250 | 383 |
| Average earning assets | $1,972,526,250 | 378 |
| Average equity | $251,349,250 | 373 |
| Average total loans | $1,191,843,250 | 462 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 3,215 |
| Cost of funding earning assets | 0.5955% | 1,479 |
| Net interest margin | 3.4003% | 3,765 |
| Noninterest income to average assets | 0.9747% | 1,079 |
| Noninterest expense to average assets | 3.2484% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6017% | 4,301 |
| Return on assets (ROA) | 0.6151% | 4,281 |
| Pretax return on assets | 0.8236% | 4,190 |
| Return on Equity (ROE) | 5.3733% | 4,324 |
| Retained earnings to average equity (ytd only) | -0.2281% | 5,112 |
| Net charge-offs to loans | 0.1699% | 1,146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 8.6821% | 2,493 |
| Efficiency ratio | 80.1270% | 1,198 |
| Assets per employee ($millions) | 3.3915% | 4,869 |
| Cash dividends to net income (ytd only)* | 104.2442% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8622% | 776 |
| Loan loss allowance to noncurrent loans | 54.9499% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 2.4819% | 444 |
| Noncurrent loans to loans | 3.3888% | 351 |
| Net loans and leases to total assets | 52.8046% | 4,497 |
| Net loans and leases to deposits | 63.1556% | 4,421 |
| Net loans and leases to core deposits | 77.0716% | 3,672 |
| Total domestic deposits to total assets | 83.6103% | 3,361 |
| Equity capital to assets | 11.4063% | 2,402 |
| Core capital (leverage) ratio | 11.4227% | 2,028 |
| Tier 1 risk-based capital ratio | 17.4531% | 2,024 |
| Total risk-based capital ratio | 18.7074% | 1,978 |
| Memoranda: | ||
| Average total assets | $2,183,269,670 | 385 |
| Average earning assets | $1,977,266,330 | 385 |
| Average equity | $249,937,330 | 376 |
| Average total loans | $1,192,339,670 | 463 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 3,004 |
| Cost of funding earning assets | 0.5800% | 1,513 |
| Net interest margin | 3.4292% | 3,528 |
| Noninterest income to average assets | 0.9678% | 1,065 |
| Noninterest expense to average assets | 3.2581% | 1,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6103% | 4,111 |
| Return on assets (ROA) | 0.6330% | 4,050 |
| Pretax return on assets | 0.8400% | 3,975 |
| Return on Equity (ROE) | 5.5194% | 4,135 |
| Retained earnings to average equity (ytd only) | -5.7611% | 5,433 |
| Net charge-offs to loans | 0.0443% | 1,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 33.1894% | 1,153 |
| Efficiency ratio | 80.0945% | 1,372 |
| Assets per employee ($millions) | 3.3209% | 5,026 |
| Cash dividends to net income (ytd only)* | 204.3796% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9482% | 736 |
| Loan loss allowance to noncurrent loans | 54.4023% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.6319% | 417 |
| Noncurrent loans to loans | 3.5812% | 329 |
| Net loans and leases to total assets | 54.2016% | 4,323 |
| Net loans and leases to deposits | 65.4118% | 4,218 |
| Net loans and leases to core deposits | 82.0819% | 3,085 |
| Total domestic deposits to total assets | 82.8622% | 3,901 |
| Equity capital to assets | 11.4998% | 2,177 |
| Core capital (leverage) ratio | 11.3443% | 2,066 |
| Tier 1 risk-based capital ratio | 17.3073% | 2,094 |
| Total risk-based capital ratio | 18.5626% | 2,035 |
| Memoranda: | ||
| Average total assets | $2,164,191,000 | 388 |
| Average earning assets | $1,956,468,500 | 385 |
| Average equity | $248,215,000 | 376 |
| Average total loans | $1,190,872,500 | 465 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 3,611 |
| Cost of funding earning assets | 0.5530% | 1,660 |
| Net interest margin | 3.3352% | 4,042 |
| Noninterest income to average assets | 1.1131% | 928 |
| Noninterest expense to average assets | 3.2682% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6545% | 3,979 |
| Return on assets (ROA) | 0.7166% | 3,823 |
| Pretax return on assets | 0.9775% | 3,550 |
| Return on Equity (ROE) | 6.0824% | 3,940 |
| Retained earnings to average equity (ytd only) | 2.1779% | 4,292 |
| Net charge-offs to loans | 0.1849% | 1,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.0918% | 2,786 |
| Efficiency ratio | 78.5504% | 1,615 |
| Assets per employee ($millions) | 3.3323% | 4,999 |
| Cash dividends to net income (ytd only)* | 64.1931% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9491% | 729 |
| Loan loss allowance to noncurrent loans | 47.2624% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 2.8995% | 365 |
| Noncurrent loans to loans | 4.1239% | 242 |
| Net loans and leases to total assets | 53.7199% | 4,461 |
| Net loans and leases to deposits | 63.9593% | 4,416 |
| Net loans and leases to core deposits | 81.0193% | 3,308 |
| Total domestic deposits to total assets | 83.9907% | 3,419 |
| Equity capital to assets | 11.4759% | 2,195 |
| Core capital (leverage) ratio | 11.7001% | 1,789 |
| Tier 1 risk-based capital ratio | 17.4245% | 2,027 |
| Total risk-based capital ratio | 18.6797% | 1,987 |
| Memoranda: | ||
| Average total assets | $2,174,026,800 | 374 |
| Average earning assets | $1,986,528,600 | 369 |
| Average equity | $256,117,800 | 353 |
| Average total loans | $1,153,911,400 | 453 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 3,671 |
| Cost of funding earning assets | 0.5483% | 1,714 |
| Net interest margin | 3.3272% | 4,104 |
| Noninterest income to average assets | 0.9740% | 1,205 |
| Noninterest expense to average assets | 3.3481% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5061% | 4,677 |
| Return on assets (ROA) | 0.5912% | 4,435 |
| Pretax return on assets | 0.7887% | 4,340 |
| Return on Equity (ROE) | 4.9860% | 4,523 |
| Retained earnings to average equity (ytd only) | -0.1894% | 5,391 |
| Net charge-offs to loans | 0.0903% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 14.1987% | 2,255 |
| Efficiency ratio | 83.2161% | 1,053 |
| Assets per employee ($millions) | 3.2847% | 5,066 |
| Cash dividends to net income (ytd only)* | 103.7991% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1314% | 570 |
| Loan loss allowance to noncurrent loans | 43.3731% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 3.1956% | 346 |
| Noncurrent loans to loans | 4.9141% | 173 |
| Net loans and leases to total assets | 52.5636% | 4,608 |
| Net loans and leases to deposits | 64.2495% | 4,469 |
| Net loans and leases to core deposits | 82.5713% | 3,242 |
| Total domestic deposits to total assets | 81.8117% | 3,998 |
| Equity capital to assets | 12.1022% | 2,039 |
| Core capital (leverage) ratio | 11.6588% | 1,921 |
| Tier 1 risk-based capital ratio | 17.7309% | 1,994 |
| Total risk-based capital ratio | 18.9881% | 1,951 |
| Memoranda: | ||
| Average total assets | $2,172,698,750 | 376 |
| Average earning assets | $1,991,237,750 | 369 |
| Average equity | $257,622,500 | 353 |
| Average total loans | $1,143,886,750 | 457 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 3,762 |
| Cost of funding earning assets | 0.5473% | 1,716 |
| Net interest margin | 3.3064% | 4,206 |
| Noninterest income to average assets | 0.9441% | 1,254 |
| Noninterest expense to average assets | 3.3470% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4772% | 4,776 |
| Return on assets (ROA) | 0.5566% | 4,568 |
| Pretax return on assets | 0.7426% | 4,483 |
| Return on Equity (ROE) | 4.7260% | 4,639 |
| Retained earnings to average equity (ytd only) | -3.0650% | 5,641 |
| Net charge-offs to loans | -0.0347% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0139% | 1,048 |
| Assets per employee ($millions) | 3.2100% | 5,190 |
| Cash dividends to net income (ytd only)* | 164.8533% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 525 |
| Loan loss allowance to noncurrent loans | 44.2736% | 4,957 |
| Noncurrent assets plus other real estate owned to assets | 3.2575% | 354 |
| Noncurrent loans to loans | 5.0266% | 170 |
| Net loans and leases to total assets | 53.0143% | 4,588 |
| Net loans and leases to deposits | 63.2091% | 4,553 |
| Net loans and leases to core deposits | 80.6683% | 3,395 |
| Total domestic deposits to total assets | 83.8713% | 3,321 |
| Equity capital to assets | 12.1712% | 1,997 |
| Core capital (leverage) ratio | 11.2581% | 2,186 |
| Tier 1 risk-based capital ratio | 17.7779% | 1,996 |
| Total risk-based capital ratio | 19.0364% | 1,954 |
| Memoranda: | ||
| Average total assets | $2,179,773,670 | 375 |
| Average earning assets | $2,003,925,670 | 371 |
| Average equity | $256,705,000 | 355 |
| Average total loans | $1,140,008,330 | 457 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7738% | 4,048 |
| Cost of funding earning assets | 0.5437% | 1,765 |
| Net interest margin | 3.2302% | 4,470 |
| Noninterest income to average assets | 0.9173% | 1,273 |
| Noninterest expense to average assets | 3.1643% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5310% | 4,499 |
| Return on assets (ROA) | 0.6295% | 4,177 |
| Pretax return on assets | 0.8597% | 4,006 |
| Return on Equity (ROE) | 5.4327% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.4327% | 2,693 |
| Net charge-offs to loans | 0.0744% | 1,740 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 18.9668% | 1,526 |
| Efficiency ratio | 81.3644% | 1,447 |
| Assets per employee ($millions) | 3.2659% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 563 |
| Loan loss allowance to noncurrent loans | 43.7806% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 3.0781% | 404 |
| Noncurrent loans to loans | 5.1064% | 185 |
| Net loans and leases to total assets | 49.5360% | 4,842 |
| Net loans and leases to deposits | 58.6356% | 4,808 |
| Net loans and leases to core deposits | 73.8633% | 3,905 |
| Total domestic deposits to total assets | 84.4811% | 3,322 |
| Equity capital to assets | 11.7626% | 2,188 |
| Core capital (leverage) ratio | 11.3486% | 2,096 |
| Tier 1 risk-based capital ratio | 18.7452% | 1,793 |
| Total risk-based capital ratio | 20.0043% | 1,756 |
| Memoranda: | ||
| Average total assets | $2,208,754,500 | 369 |
| Average earning assets | $2,032,097,500 | 367 |
| Average equity | $255,932,000 | 347 |
| Average total loans | $1,134,779,000 | 460 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,161 |
| Cost of funding earning assets | 0.5950% | 1,396 |
| Net interest margin | 3.4433% | 3,744 |
| Noninterest income to average assets | 1.0349% | 1,104 |
| Noninterest expense to average assets | 3.4360% | 1,421 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5341% | 4,565 |
| Return on assets (ROA) | 0.5932% | 4,408 |
| Pretax return on assets | 0.8391% | 4,071 |
| Return on Equity (ROE) | 5.2215% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.2215% | 2,262 |
| Net charge-offs to loans | 0.2547% | 1,184 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 5.3837% | 3,401 |
| Efficiency ratio | 81.9695% | 1,416 |
| Assets per employee ($millions) | 3.1927% | 5,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2234% | 576 |
| Loan loss allowance to noncurrent loans | 43.3155% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 3.2396% | 391 |
| Noncurrent loans to loans | 5.1330% | 180 |
| Net loans and leases to total assets | 50.9357% | 4,783 |
| Net loans and leases to deposits | 60.0259% | 4,778 |
| Net loans and leases to core deposits | 75.5699% | 3,794 |
| Total domestic deposits to total assets | 84.8563% | 3,149 |
| Equity capital to assets | 11.4093% | 2,440 |
| Core capital (leverage) ratio | 11.3694% | 2,069 |
| Tier 1 risk-based capital ratio | 18.2219% | 1,901 |
| Total risk-based capital ratio | 19.4807% | 1,867 |
| Memoranda: | ||
| Average total assets | $2,159,013,400 | 364 |
| Average earning assets | $1,979,482,400 | 360 |
| Average equity | $245,274,200 | 352 |
| Average total loans | $1,189,938,400 | 416 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0917% | 2,977 |
| Cost of funding earning assets | 0.6090% | 1,352 |
| Net interest margin | 3.4826% | 3,615 |
| Noninterest income to average assets | 1.0210% | 1,138 |
| Noninterest expense to average assets | 3.4882% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5074% | 4,758 |
| Return on assets (ROA) | 0.5854% | 4,548 |
| Pretax return on assets | 0.8358% | 4,217 |
| Return on Equity (ROE) | 5.1583% | 4,546 |
| Retained earnings to average equity (ytd only) | 5.1583% | 2,800 |
| Net charge-offs to loans | 0.2515% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.1540% | 3,247 |
| Efficiency ratio | 82.8032% | 1,292 |
| Assets per employee ($millions) | 3.0648% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2460% | 619 |
| Loan loss allowance to noncurrent loans | 51.6377% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.9623% | 520 |
| Noncurrent loans to loans | 4.3496% | 262 |
| Net loans and leases to total assets | 53.2431% | 4,645 |
| Net loans and leases to deposits | 63.1336% | 4,631 |
| Net loans and leases to core deposits | 83.8222% | 3,065 |
| Total domestic deposits to total assets | 84.3340% | 3,290 |
| Equity capital to assets | 11.6831% | 2,362 |
| Core capital (leverage) ratio | 11.3628% | 2,143 |
| Tier 1 risk-based capital ratio | 18.0359% | 2,017 |
| Total risk-based capital ratio | 19.2957% | 1,981 |
| Memoranda: | ||
| Average total assets | $2,150,417,250 | 369 |
| Average earning assets | $1,970,718,750 | 365 |
| Average equity | $244,030,000 | 363 |
| Average total loans | $1,201,766,000 | 419 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1299% | 2,789 |
| Cost of funding earning assets | 0.6272% | 1,248 |
| Net interest margin | 3.5027% | 3,483 |
| Noninterest income to average assets | 1.0397% | 1,098 |
| Noninterest expense to average assets | 3.5590% | 1,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4691% | 4,896 |
| Return on assets (ROA) | 0.5654% | 4,599 |
| Pretax return on assets | 0.8313% | 4,203 |
| Return on Equity (ROE) | 5.0317% | 4,603 |
| Retained earnings to average equity (ytd only) | 5.0317% | 2,845 |
| Net charge-offs to loans | 0.3456% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 3.5405% | 3,180 |
| Efficiency ratio | 83.7678% | 1,288 |
| Assets per employee ($millions) | 3.2892% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1947% | 738 |
| Loan loss allowance to noncurrent loans | 83.0433% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.1705% | 975 |
| Noncurrent loans to loans | 2.6428% | 831 |
| Net loans and leases to total assets | 55.0682% | 4,447 |
| Net loans and leases to deposits | 65.1567% | 4,420 |
| Net loans and leases to core deposits | 86.8927% | 2,664 |
| Total domestic deposits to total assets | 84.5166% | 3,336 |
| Equity capital to assets | 11.3941% | 2,502 |
| Core capital (leverage) ratio | 11.1577% | 2,282 |
| Tier 1 risk-based capital ratio | 17.5174% | 2,216 |
| Total risk-based capital ratio | 18.7772% | 2,163 |
| Memoranda: | ||
| Average total assets | $2,154,143,000 | 366 |
| Average earning assets | $1,973,494,330 | 363 |
| Average equity | $242,063,330 | 367 |
| Average total loans | $1,213,965,670 | 413 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,014 |
| Cost of funding earning assets | 0.6386% | 1,187 |
| Net interest margin | 3.4182% | 3,768 |
| Noninterest income to average assets | 1.0606% | 1,003 |
| Noninterest expense to average assets | 3.7124% | 994 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2975% | 5,429 |
| Return on assets (ROA) | 0.3942% | 5,204 |
| Pretax return on assets | 0.6343% | 4,812 |
| Return on Equity (ROE) | 3.5321% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.5321% | 3,880 |
| Net charge-offs to loans | 0.0498% | 2,289 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.2105% | 1,533 |
| Efficiency ratio | 88.4433% | 981 |
| Assets per employee ($millions) | 3.4321% | 5,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3252% | 688 |
| Loan loss allowance to noncurrent loans | 81.9327% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.2304% | 1,028 |
| Noncurrent loans to loans | 2.8379% | 801 |
| Net loans and leases to total assets | 54.6041% | 4,354 |
| Net loans and leases to deposits | 64.3636% | 4,332 |
| Net loans and leases to core deposits | 85.1567% | 2,636 |
| Total domestic deposits to total assets | 84.8370% | 3,483 |
| Equity capital to assets | 11.2192% | 2,735 |
| Core capital (leverage) ratio | 10.7182% | 2,728 |
| Tier 1 risk-based capital ratio | 17.1445% | 2,427 |
| Total risk-based capital ratio | 18.4059% | 2,379 |
| Memoranda: | ||
| Average total assets | $2,165,500,500 | 363 |
| Average earning assets | $1,986,075,000 | 361 |
| Average equity | $241,666,500 | 363 |
| Average total loans | $1,220,909,500 | 406 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,557 |
| Cost of funding earning assets | 0.7100% | 1,048 |
| Net interest margin | 3.6033% | 3,404 |
| Noninterest income to average assets | 1.0043% | 1,204 |
| Noninterest expense to average assets | 3.4376% | 1,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5812% | 4,456 |
| Return on assets (ROA) | 0.6133% | 4,410 |
| Pretax return on assets | 0.8890% | 3,936 |
| Return on Equity (ROE) | 5.4831% | 4,414 |
| Retained earnings to average equity (ytd only) | -6.8542% | 6,241 |
| Net charge-offs to loans | 0.1465% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 9.9820% | 2,671 |
| Efficiency ratio | 80.2942% | 1,882 |
| Assets per employee ($millions) | 3.2310% | 5,386 |
| Cash dividends to net income (ytd only)* | 225.0056% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3206% | 704 |
| Loan loss allowance to noncurrent loans | 77.1648% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 2.4778% | 933 |
| Noncurrent loans to loans | 3.0073% | 744 |
| Net loans and leases to total assets | 55.5412% | 4,386 |
| Net loans and leases to deposits | 65.5428% | 4,372 |
| Net loans and leases to core deposits | 86.5325% | 2,643 |
| Total domestic deposits to total assets | 84.7403% | 3,403 |
| Equity capital to assets | 11.0999% | 2,809 |
| Core capital (leverage) ratio | 10.6656% | 2,758 |
| Tier 1 risk-based capital ratio | 18.1022% | 2,102 |
| Total risk-based capital ratio | 19.3570% | 2,066 |
| Memoranda: | ||
| Average total assets | $2,174,125,600 | 343 |
| Average earning assets | $1,976,524,600 | 341 |
| Average equity | $243,164,800 | 341 |
| Average total loans | $1,252,331,200 | 376 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3524% | 2,412 |
| Cost of funding earning assets | 0.7310% | 988 |
| Net interest margin | 3.6214% | 3,342 |
| Noninterest income to average assets | 0.8574% | 1,672 |
| Noninterest expense to average assets | 3.2638% | 1,987 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6082% | 4,412 |
| Return on assets (ROA) | 0.6156% | 4,465 |
| Pretax return on assets | 0.8907% | 4,031 |
| Return on Equity (ROE) | 5.4937% | 4,492 |
| Retained earnings to average equity (ytd only) | -10.8891% | 6,392 |
| Net charge-offs to loans | 0.1543% | 2,256 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.8710% | 2,614 |
| Efficiency ratio | 78.7419% | 2,083 |
| Assets per employee ($millions) | 3.2549% | 5,319 |
| Cash dividends to net income (ytd only)* | 298.2107% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3643% | 769 |
| Loan loss allowance to noncurrent loans | 94.4071% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 2.9132% | 824 |
| Noncurrent loans to loans | 2.5044% | 1,170 |
| Net loans and leases to total assets | 55.9819% | 4,333 |
| Net loans and leases to deposits | 65.8350% | 4,346 |
| Net loans and leases to core deposits | 86.1339% | 2,653 |
| Total domestic deposits to total assets | 85.0336% | 3,323 |
| Equity capital to assets | 10.7193% | 3,269 |
| Core capital (leverage) ratio | 10.4921% | 3,053 |
| Tier 1 risk-based capital ratio | 17.8040% | 2,272 |
| Total risk-based capital ratio | 19.0261% | 2,250 |
| Memoranda: | ||
| Average total assets | $2,178,888,500 | 340 |
| Average earning assets | $1,977,384,250 | 337 |
| Average equity | $244,153,000 | 337 |
| Average total loans | $1,259,066,750 | 372 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,551 |
| Cost of funding earning assets | 0.7378% | 978 |
| Net interest margin | 3.5723% | 3,475 |
| Noninterest income to average assets | 0.9182% | 1,435 |
| Noninterest expense to average assets | 3.1969% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6590% | 4,050 |
| Return on assets (ROA) | 0.6682% | 4,102 |
| Pretax return on assets | 0.9748% | 3,591 |
| Return on Equity (ROE) | 5.8808% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.8808% | 2,393 |
| Net charge-offs to loans | 0.0877% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.9247% | 1,653 |
| Efficiency ratio | 76.8616% | 2,477 |
| Assets per employee ($millions) | 3.3242% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3541% | 848 |
| Loan loss allowance to noncurrent loans | 88.9078% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 3.1705% | 788 |
| Noncurrent loans to loans | 2.6478% | 1,147 |
| Net loans and leases to total assets | 56.9513% | 4,121 |
| Net loans and leases to deposits | 68.3905% | 4,012 |
| Net loans and leases to core deposits | 91.2079% | 2,006 |
| Total domestic deposits to total assets | 83.2738% | 4,201 |
| Equity capital to assets | 11.8334% | 2,122 |
| Core capital (leverage) ratio | 11.5289% | 1,978 |
| Tier 1 risk-based capital ratio | 19.4683% | 1,804 |
| Total risk-based capital ratio | 20.6930% | 1,785 |
| Memoranda: | ||
| Average total assets | $2,196,696,330 | 333 |
| Average earning assets | $1,992,421,000 | 334 |
| Average equity | $249,592,000 | 326 |
| Average total loans | $1,272,526,000 | 367 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1999% | 2,878 |
| Cost of funding earning assets | 0.7405% | 1,009 |
| Net interest margin | 3.4594% | 3,862 |
| Noninterest income to average assets | 0.9350% | 1,294 |
| Noninterest expense to average assets | 3.1778% | 2,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6067% | 4,169 |
| Return on assets (ROA) | 0.6122% | 4,222 |
| Pretax return on assets | 0.9025% | 3,689 |
| Return on Equity (ROE) | 5.4996% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.4996% | 2,789 |
| Net charge-offs to loans | 0.0939% | 2,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 16.4933% | 1,505 |
| Efficiency ratio | 78.0239% | 2,471 |
| Assets per employee ($millions) | 3.6023% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3379% | 981 |
| Loan loss allowance to noncurrent loans | 93.8441% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 3.1891% | 850 |
| Noncurrent loans to loans | 2.4913% | 1,389 |
| Net loans and leases to total assets | 56.5120% | 4,078 |
| Net loans and leases to deposits | 67.2504% | 3,942 |
| Net loans and leases to core deposits | 90.4028% | 1,880 |
| Total domestic deposits to total assets | 84.0321% | 4,263 |
| Equity capital to assets | 11.2364% | 2,490 |
| Core capital (leverage) ratio | 11.2319% | 2,192 |
| Tier 1 risk-based capital ratio | 18.8860% | 1,999 |
| Total risk-based capital ratio | 20.1179% | 1,967 |
| Memoranda: | ||
| Average total assets | $2,213,010,500 | 333 |
| Average earning assets | $2,006,800,000 | 330 |
| Average equity | $246,347,000 | 331 |
| Average total loans | $1,277,700,000 | 364 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 2,222 |
| Cost of funding earning assets | 0.8137% | 1,135 |
| Net interest margin | 3.6827% | 3,123 |
| Noninterest income to average assets | 0.7971% | 2,092 |
| Noninterest expense to average assets | 3.0325% | 2,957 |
| Loan and lease loss provision to assets | 0.0586% | 3,969 |
| Net operating income to assets | 0.7029% | 3,782 |
| Return on assets (ROA) | 0.7394% | 3,693 |
| Pretax return on assets | 1.1066% | 2,928 |
| Return on Equity (ROE) | 6.5658% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.5658% | 1,645 |
| Net charge-offs to loans | 0.2862% | 2,257 |
| Credit loss provision to net charge-offs | 34.7608% | 4,153 |
| Earnings coverage of net charge-offs (x) | 6.5854% | 3,029 |
| Efficiency ratio | 73.1754% | 3,262 |
| Assets per employee ($millions) | 3.6299% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3771% | 952 |
| Loan loss allowance to noncurrent loans | 90.2185% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 3.3776% | 890 |
| Noncurrent loans to loans | 2.6348% | 1,411 |
| Net loans and leases to total assets | 56.2372% | 4,283 |
| Net loans and leases to deposits | 66.6800% | 4,224 |
| Net loans and leases to core deposits | 90.9553% | 1,912 |
| Total domestic deposits to total assets | 84.3390% | 4,039 |
| Equity capital to assets | 11.0269% | 2,585 |
| Core capital (leverage) ratio | 11.4006% | 2,035 |
| Tier 1 risk-based capital ratio | 18.8168% | 1,975 |
| Total risk-based capital ratio | 20.0510% | 1,940 |
| Memoranda: | ||
| Average total assets | $2,131,936,000 | 335 |
| Average earning assets | $1,937,177,600 | 330 |
| Average equity | $240,091,200 | 329 |
| Average total loans | $1,256,262,000 | 357 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5363% | 2,092 |
| Cost of funding earning assets | 0.8283% | 1,168 |
| Net interest margin | 3.7080% | 3,000 |
| Noninterest income to average assets | 0.7847% | 2,230 |
| Noninterest expense to average assets | 2.9941% | 3,015 |
| Loan and lease loss provision to assets | 0.0789% | 3,482 |
| Net operating income to assets | 0.7209% | 3,750 |
| Return on assets (ROA) | 0.7577% | 3,699 |
| Pretax return on assets | 1.1378% | 2,956 |
| Return on Equity (ROE) | 6.6912% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.6912% | 2,040 |
| Net charge-offs to loans | 0.1633% | 2,926 |
| Credit loss provision to net charge-offs | 81.5395% | 2,810 |
| Earnings coverage of net charge-offs (x) | 12.0072% | 2,182 |
| Efficiency ratio | 72.0281% | 3,399 |
| Assets per employee ($millions) | 3.6257% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5511% | 882 |
| Loan loss allowance to noncurrent loans | 89.7718% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 3.5432% | 951 |
| Noncurrent loans to loans | 2.8418% | 1,456 |
| Net loans and leases to total assets | 57.8366% | 4,037 |
| Net loans and leases to deposits | 69.0946% | 3,922 |
| Net loans and leases to core deposits | 94.2625% | 1,547 |
| Total domestic deposits to total assets | 83.7064% | 4,314 |
| Equity capital to assets | 11.3622% | 2,418 |
| Core capital (leverage) ratio | 11.4209% | 2,105 |
| Tier 1 risk-based capital ratio | 18.6432% | 2,097 |
| Total risk-based capital ratio | 19.8820% | 2,075 |
| Memoranda: | ||
| Average total assets | $2,112,265,250 | 337 |
| Average earning assets | $1,920,449,250 | 332 |
| Average equity | $239,173,500 | 328 |
| Average total loans | $1,251,962,000 | 353 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4859% | 2,250 |
| Cost of funding earning assets | 0.8369% | 1,218 |
| Net interest margin | 3.6490% | 3,179 |
| Noninterest income to average assets | 0.7304% | 2,502 |
| Noninterest expense to average assets | 2.9035% | 3,319 |
| Loan and lease loss provision to assets | 0.1188% | 2,838 |
| Net operating income to assets | 0.6852% | 3,877 |
| Return on assets (ROA) | 0.7349% | 3,796 |
| Pretax return on assets | 1.1063% | 3,072 |
| Return on Equity (ROE) | 6.4978% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.4978% | 2,147 |
| Net charge-offs to loans | 0.0906% | 3,457 |
| Credit loss provision to net charge-offs | 221.2389% | 1,102 |
| Earnings coverage of net charge-offs (x) | 21.4124% | 1,416 |
| Efficiency ratio | 71.6225% | 3,532 |
| Assets per employee ($millions) | 3.5960% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6605% | 820 |
| Loan loss allowance to noncurrent loans | 74.1197% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 3.9538% | 881 |
| Noncurrent loans to loans | 3.5895% | 1,154 |
| Net loans and leases to total assets | 58.0179% | 3,982 |
| Net loans and leases to deposits | 69.3059% | 3,812 |
| Net loans and leases to core deposits | 94.5835% | 1,469 |
| Total domestic deposits to total assets | 83.7128% | 4,445 |
| Equity capital to assets | 11.3193% | 2,443 |
| Core capital (leverage) ratio | 11.4537% | 1,973 |
| Tier 1 risk-based capital ratio | 18.4394% | 2,161 |
| Total risk-based capital ratio | 19.6808% | 2,130 |
| Memoranda: | ||
| Average total assets | $2,104,516,670 | 338 |
| Average earning assets | $1,916,339,670 | 334 |
| Average equity | $238,017,330 | 328 |
| Average total loans | $1,246,802,330 | 352 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 2,056 |
| Cost of funding earning assets | 0.8440% | 1,280 |
| Net interest margin | 3.6879% | 2,903 |
| Noninterest income to average assets | 0.6786% | 2,703 |
| Noninterest expense to average assets | 2.8041% | 3,683 |
| Loan and lease loss provision to assets | 0.1424% | 2,461 |
| Net operating income to assets | 0.7299% | 3,539 |
| Return on assets (ROA) | 0.7974% | 3,315 |
| Pretax return on assets | 1.1969% | 2,585 |
| Return on Equity (ROE) | 7.0538% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.0538% | 2,129 |
| Net charge-offs to loans | 0.0797% | 3,038 |
| Credit loss provision to net charge-offs | 302.4194% | 784 |
| Earnings coverage of net charge-offs (x) | 26.3024% | 1,028 |
| Efficiency ratio | 69.3500% | 4,085 |
| Assets per employee ($millions) | 3.6648% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6607% | 961 |
| Loan loss allowance to noncurrent loans | 66.3934% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 4.1949% | 916 |
| Noncurrent loans to loans | 4.0075% | 1,125 |
| Net loans and leases to total assets | 57.7987% | 3,801 |
| Net loans and leases to deposits | 69.4933% | 3,576 |
| Net loans and leases to core deposits | 95.4781% | 1,233 |
| Total domestic deposits to total assets | 83.1716% | 4,802 |
| Equity capital to assets | 11.4633% | 2,446 |
| Core capital (leverage) ratio | 11.2760% | 2,034 |
| Tier 1 risk-based capital ratio | 18.4755% | 2,203 |
| Total risk-based capital ratio | 19.7152% | 2,171 |
| Memoranda: | ||
| Average total assets | $2,106,737,000 | 342 |
| Average earning assets | $1,921,767,500 | 336 |
| Average equity | $238,169,000 | 332 |
| Average total loans | $1,244,342,500 | 356 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6448% | 2,825 |
| Cost of funding earning assets | 0.9851% | 1,432 |
| Net interest margin | 3.6597% | 3,829 |
| Noninterest income to average assets | 0.7118% | 2,666 |
| Noninterest expense to average assets | 2.6614% | 4,531 |
| Loan and lease loss provision to assets | 0.2589% | 2,579 |
| Net operating income to assets | 0.7564% | 3,481 |
| Return on assets (ROA) | 0.7795% | 3,622 |
| Pretax return on assets | 1.1750% | 2,886 |
| Return on Equity (ROE) | 7.2703% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.2703% | 1,441 |
| Net charge-offs to loans | 0.3175% | 3,054 |
| Credit loss provision to net charge-offs | 137.6721% | 2,004 |
| Earnings coverage of net charge-offs (x) | 7.4385% | 2,603 |
| Efficiency ratio | 65.5463% | 4,592 |
| Assets per employee ($millions) | 3.6949% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6221% | 1,001 |
| Loan loss allowance to noncurrent loans | 64.9030% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 4.0898% | 1,036 |
| Noncurrent loans to loans | 4.0400% | 1,157 |
| Net loans and leases to total assets | 57.2138% | 4,097 |
| Net loans and leases to deposits | 68.4038% | 3,918 |
| Net loans and leases to core deposits | 95.6733% | 1,333 |
| Total domestic deposits to total assets | 83.6412% | 4,478 |
| Equity capital to assets | 11.1485% | 2,790 |
| Core capital (leverage) ratio | 11.0344% | 2,229 |
| Tier 1 risk-based capital ratio | 18.4903% | 2,105 |
| Total risk-based capital ratio | 19.7291% | 2,075 |
| Memoranda: | ||
| Average total assets | $2,124,287,400 | 339 |
| Average earning assets | $1,943,619,800 | 333 |
| Average equity | $227,761,800 | 333 |
| Average total loans | $1,258,259,200 | 351 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 2,828 |
| Cost of funding earning assets | 1.0164% | 1,468 |
| Net interest margin | 3.6782% | 3,888 |
| Noninterest income to average assets | 0.7125% | 2,645 |
| Noninterest expense to average assets | 2.6258% | 4,655 |
| Loan and lease loss provision to assets | 0.2822% | 2,310 |
| Net operating income to assets | 0.7756% | 3,568 |
| Return on assets (ROA) | 0.8064% | 3,664 |
| Pretax return on assets | 1.2167% | 2,928 |
| Return on Equity (ROE) | 7.5965% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.5965% | 1,801 |
| Net charge-offs to loans | 0.2844% | 3,022 |
| Credit loss provision to net charge-offs | 167.1620% | 1,661 |
| Earnings coverage of net charge-offs (x) | 8.6022% | 2,424 |
| Efficiency ratio | 64.3892% | 4,745 |
| Assets per employee ($millions) | 3.7061% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6224% | 1,058 |
| Loan loss allowance to noncurrent loans | 69.8034% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 4.0020% | 1,204 |
| Noncurrent loans to loans | 3.7568% | 1,418 |
| Net loans and leases to total assets | 58.5867% | 4,027 |
| Net loans and leases to deposits | 70.3352% | 3,851 |
| Net loans and leases to core deposits | 96.3401% | 1,390 |
| Total domestic deposits to total assets | 83.2964% | 4,522 |
| Equity capital to assets | 11.1594% | 3,083 |
| Core capital (leverage) ratio | 10.8453% | 2,549 |
| Tier 1 risk-based capital ratio | 18.1247% | 2,292 |
| Total risk-based capital ratio | 19.3651% | 2,269 |
| Memoranda: | ||
| Average total assets | $2,126,061,750 | 339 |
| Average earning assets | $1,945,321,500 | 330 |
| Average equity | $225,693,500 | 336 |
| Average total loans | $1,261,838,750 | 349 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6804% | 3,008 |
| Cost of funding earning assets | 1.0313% | 1,574 |
| Net interest margin | 3.6491% | 4,046 |
| Noninterest income to average assets | 0.7075% | 2,629 |
| Noninterest expense to average assets | 2.5621% | 4,913 |
| Loan and lease loss provision to assets | 0.2805% | 2,338 |
| Net operating income to assets | 0.7978% | 3,404 |
| Return on assets (ROA) | 0.8094% | 3,616 |
| Pretax return on assets | 1.2219% | 2,828 |
| Return on Equity (ROE) | 7.7543% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.7543% | 1,739 |
| Net charge-offs to loans | 0.2498% | 3,081 |
| Credit loss provision to net charge-offs | 189.9937% | 1,490 |
| Earnings coverage of net charge-offs (x) | 10.0583% | 2,105 |
| Efficiency ratio | 63.3100% | 5,020 |
| Assets per employee ($millions) | 3.7522% | 4,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5674% | 1,184 |
| Loan loss allowance to noncurrent loans | 73.2544% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 3.8767% | 1,339 |
| Noncurrent loans to loans | 3.5048% | 1,634 |
| Net loans and leases to total assets | 58.4433% | 4,092 |
| Net loans and leases to deposits | 70.4199% | 3,835 |
| Net loans and leases to core deposits | 97.2143% | 1,328 |
| Total domestic deposits to total assets | 82.9926% | 4,760 |
| Equity capital to assets | 10.7781% | 3,366 |
| Core capital (leverage) ratio | 10.5021% | 2,798 |
| Tier 1 risk-based capital ratio | 17.7313% | 2,386 |
| Total risk-based capital ratio | 18.9716% | 2,356 |
| Memoranda: | ||
| Average total assets | $2,139,238,000 | 335 |
| Average earning assets | $1,957,692,330 | 325 |
| Average equity | $223,309,670 | 336 |
| Average total loans | $1,264,001,670 | 350 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 3,331 |
| Cost of funding earning assets | 1.0525% | 1,656 |
| Net interest margin | 3.5839% | 4,333 |
| Noninterest income to average assets | 0.7087% | 2,620 |
| Noninterest expense to average assets | 2.4638% | 5,275 |
| Loan and lease loss provision to assets | 0.2787% | 2,229 |
| Net operating income to assets | 0.8223% | 3,285 |
| Return on assets (ROA) | 0.8223% | 3,516 |
| Pretax return on assets | 1.2450% | 2,748 |
| Return on Equity (ROE) | 8.0046% | 3,280 |
| Retained earnings to average equity (ytd only) | 8.0046% | 1,979 |
| Net charge-offs to loans | -0.0406% | 6,456 |
| Credit loss provision to net charge-offs | -1,171.8750% | 5,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7876% | 5,309 |
| Assets per employee ($millions) | 4.1290% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5796% | 1,252 |
| Loan loss allowance to noncurrent loans | 69.5412% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 4.0051% | 1,371 |
| Noncurrent loans to loans | 3.7094% | 1,671 |
| Net loans and leases to total assets | 58.0351% | 4,029 |
| Net loans and leases to deposits | 70.0599% | 3,730 |
| Net loans and leases to core deposits | 96.5084% | 1,256 |
| Total domestic deposits to total assets | 82.8364% | 4,997 |
| Equity capital to assets | 10.4790% | 3,512 |
| Core capital (leverage) ratio | 10.2717% | 3,034 |
| Tier 1 risk-based capital ratio | 17.3793% | 2,524 |
| Total risk-based capital ratio | 18.6237% | 2,492 |
| Memoranda: | ||
| Average total assets | $2,152,609,000 | 327 |
| Average earning assets | $1,969,374,500 | 319 |
| Average equity | $221,121,500 | 333 |
| Average total loans | $1,262,430,000 | 350 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 3,124 |
| Cost of funding earning assets | 1.2539% | 1,708 |
| Net interest margin | 3.6922% | 4,331 |
| Noninterest income to average assets | 0.6186% | 3,067 |
| Noninterest expense to average assets | 2.4107% | 5,744 |
| Loan and lease loss provision to assets | 0.5096% | 2,061 |
| Net operating income to assets | 0.7062% | 3,460 |
| Return on assets (ROA) | 1.0509% | 2,142 |
| Pretax return on assets | 1.5958% | 1,213 |
| Return on Equity (ROE) | 11.0475% | 1,681 |
| Retained earnings to average equity (ytd only) | 11.0475% | 396 |
| Net charge-offs to loans | 0.4255% | 3,301 |
| Credit loss provision to net charge-offs | 211.4286% | 1,169 |
| Earnings coverage of net charge-offs (x) | 6.5688% | 2,493 |
| Efficiency ratio | 60.3600% | 5,697 |
| Assets per employee ($millions) | 4.3148% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4777% | 1,346 |
| Loan loss allowance to noncurrent loans | 73.5265% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 3.5999% | 1,635 |
| Noncurrent loans to loans | 3.3699% | 1,921 |
| Net loans and leases to total assets | 56.3094% | 4,650 |
| Net loans and leases to deposits | 67.4670% | 4,516 |
| Net loans and leases to core deposits | 97.8193% | 1,343 |
| Total domestic deposits to total assets | 83.4621% | 4,558 |
| Equity capital to assets | 10.0697% | 4,076 |
| Core capital (leverage) ratio | 9.7662% | 3,650 |
| Tier 1 risk-based capital ratio | 17.1111% | 2,548 |
| Total risk-based capital ratio | 18.3541% | 2,512 |
| Memoranda: | ||
| Average total assets | $2,178,327,600 | 319 |
| Average earning assets | $1,991,274,200 | 308 |
| Average equity | $207,205,600 | 342 |
| Average total loans | $1,233,973,000 | 351 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 2,947 |
| Cost of funding earning assets | 1.2911% | 1,760 |
| Net interest margin | 3.7373% | 4,175 |
| Noninterest income to average assets | 0.5836% | 3,273 |
| Noninterest expense to average assets | 2.3952% | 5,775 |
| Loan and lease loss provision to assets | 0.5415% | 1,818 |
| Net operating income to assets | 0.7053% | 3,591 |
| Return on assets (ROA) | 0.9766% | 2,570 |
| Pretax return on assets | 1.4736% | 1,728 |
| Return on Equity (ROE) | 10.4197% | 2,063 |
| Retained earnings to average equity (ytd only) | 10.4197% | 743 |
| Net charge-offs to loans | 0.4198% | 3,042 |
| Credit loss provision to net charge-offs | 228.8004% | 1,246 |
| Earnings coverage of net charge-offs (x) | 6.7774% | 2,488 |
| Efficiency ratio | 59.8938% | 5,741 |
| Assets per employee ($millions) | 4.4461% | 3,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4414% | 1,477 |
| Loan loss allowance to noncurrent loans | 80.9529% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 3.2735% | 1,939 |
| Noncurrent loans to loans | 3.0159% | 2,292 |
| Net loans and leases to total assets | 54.4722% | 5,094 |
| Net loans and leases to deposits | 65.1860% | 5,030 |
| Net loans and leases to core deposits | 100.2389% | 1,228 |
| Total domestic deposits to total assets | 83.5643% | 4,451 |
| Equity capital to assets | 9.7283% | 4,734 |
| Core capital (leverage) ratio | 9.3371% | 4,400 |
| Tier 1 risk-based capital ratio | 16.4965% | 2,869 |
| Total risk-based capital ratio | 17.7401% | 2,832 |
| Memoranda: | ||
| Average total assets | $2,179,241,000 | 321 |
| Average earning assets | $1,991,610,250 | 311 |
| Average equity | $204,261,250 | 350 |
| Average total loans | $1,228,552,000 | 351 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 2,967 |
| Cost of funding earning assets | 1.3048% | 1,915 |
| Net interest margin | 3.7356% | 4,096 |
| Noninterest income to average assets | 0.6588% | 2,768 |
| Noninterest expense to average assets | 2.4247% | 5,766 |
| Loan and lease loss provision to assets | 0.6094% | 1,574 |
| Net operating income to assets | 0.6944% | 3,569 |
| Return on assets (ROA) | 0.8131% | 3,139 |
| Pretax return on assets | 1.2094% | 2,444 |
| Return on Equity (ROE) | 8.7883% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.7883% | 1,179 |
| Net charge-offs to loans | 0.3729% | 3,065 |
| Credit loss provision to net charge-offs | 288.9667% | 1,060 |
| Earnings coverage of net charge-offs (x) | 7.7850% | 2,167 |
| Efficiency ratio | 59.6272% | 5,926 |
| Assets per employee ($millions) | 4.6069% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4080% | 1,577 |
| Loan loss allowance to noncurrent loans | 78.0772% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 3.4288% | 1,926 |
| Noncurrent loans to loans | 3.0841% | 2,338 |
| Net loans and leases to total assets | 53.2124% | 5,397 |
| Net loans and leases to deposits | 64.4385% | 5,220 |
| Net loans and leases to core deposits | 101.1468% | 1,246 |
| Total domestic deposits to total assets | 82.5785% | 4,955 |
| Equity capital to assets | 9.2296% | 5,232 |
| Core capital (leverage) ratio | 9.2227% | 4,364 |
| Tier 1 risk-based capital ratio | 15.2943% | 3,353 |
| Total risk-based capital ratio | 16.5388% | 3,311 |
| Memoranda: | ||
| Average total assets | $2,166,112,000 | 327 |
| Average earning assets | $1,975,936,670 | 319 |
| Average equity | $200,403,670 | 356 |
| Average total loans | $1,225,142,670 | 355 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 2,978 |
| Cost of funding earning assets | 1.3293% | 2,013 |
| Net interest margin | 3.6967% | 4,129 |
| Noninterest income to average assets | 0.7756% | 2,129 |
| Noninterest expense to average assets | 2.4756% | 5,644 |
| Loan and lease loss provision to assets | 0.6784% | 1,255 |
| Net operating income to assets | 0.6741% | 3,635 |
| Return on assets (ROA) | 0.7027% | 3,577 |
| Pretax return on assets | 1.0430% | 2,977 |
| Return on Equity (ROE) | 7.5853% | 3,110 |
| Retained earnings to average equity (ytd only) | 7.5853% | 1,900 |
| Net charge-offs to loans | 0.4044% | 2,479 |
| Credit loss provision to net charge-offs | 291.0267% | 1,103 |
| Earnings coverage of net charge-offs (x) | 7.2021% | 1,985 |
| Efficiency ratio | 59.5909% | 6,043 |
| Assets per employee ($millions) | 4.4525% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2649% | 1,830 |
| Loan loss allowance to noncurrent loans | 63.2948% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 3.7802% | 1,785 |
| Noncurrent loans to loans | 3.5784% | 2,079 |
| Net loans and leases to total assets | 55.3165% | 5,106 |
| Net loans and leases to deposits | 65.4924% | 5,045 |
| Net loans and leases to core deposits | 100.8746% | 1,269 |
| Total domestic deposits to total assets | 84.4625% | 4,290 |
| Equity capital to assets | 9.1827% | 4,897 |
| Core capital (leverage) ratio | 9.1607% | 4,358 |
| Tier 1 risk-based capital ratio | 15.2594% | 3,281 |
| Total risk-based capital ratio | 16.5061% | 3,243 |
| Memoranda: | ||
| Average total assets | $2,122,778,000 | 331 |
| Average earning assets | $1,940,228,500 | 323 |
| Average equity | $196,644,000 | 357 |
| Average total loans | $1,223,546,000 | 359 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2107% | 3,550 |
| Cost of funding earning assets | 1.4856% | 2,729 |
| Net interest margin | 3.7251% | 4,249 |
| Noninterest income to average assets | 0.7924% | 2,322 |
| Noninterest expense to average assets | 2.6084% | 5,382 |
| Loan and lease loss provision to assets | 1.3511% | 1,122 |
| Net operating income to assets | 0.1501% | 5,442 |
| Return on assets (ROA) | 0.2295% | 5,334 |
| Pretax return on assets | 0.3467% | 5,093 |
| Return on Equity (ROE) | 2.3632% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.3632% | 4,228 |
| Net charge-offs to loans | 1.9456% | 1,051 |
| Credit loss provision to net charge-offs | 113.4622% | 3,836 |
| Earnings coverage of net charge-offs (x) | 1.3248% | 4,782 |
| Efficiency ratio | 62.3121% | 5,676 |
| Assets per employee ($millions) | 4.2319% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0582% | 2,162 |
| Loan loss allowance to noncurrent loans | 51.0653% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 4.6141% | 1,447 |
| Noncurrent loans to loans | 4.0305% | 1,799 |
| Net loans and leases to total assets | 57.5031% | 5,111 |
| Net loans and leases to deposits | 69.3186% | 4,907 |
| Net loans and leases to core deposits | 105.8085% | 1,203 |
| Total domestic deposits to total assets | 82.9548% | 4,813 |
| Equity capital to assets | 9.3469% | 4,624 |
| Core capital (leverage) ratio | 9.2895% | 4,024 |
| Tier 1 risk-based capital ratio | 14.8981% | 3,307 |
| Total risk-based capital ratio | 16.1434% | 3,268 |
| Memoranda: | ||
| Average total assets | $1,972,398,600 | 352 |
| Average earning assets | $1,796,884,800 | 347 |
| Average equity | $191,518,600 | 364 |
| Average total loans | $1,207,212,200 | 375 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 3,425 |
| Cost of funding earning assets | 1.5113% | 2,906 |
| Net interest margin | 3.7742% | 4,078 |
| Noninterest income to average assets | 0.8121% | 2,168 |
| Noninterest expense to average assets | 2.5906% | 5,363 |
| Loan and lease loss provision to assets | 0.8681% | 1,750 |
| Net operating income to assets | 0.5166% | 4,232 |
| Return on assets (ROA) | 0.6241% | 3,948 |
| Pretax return on assets | 0.9507% | 3,366 |
| Return on Equity (ROE) | 6.3633% | 3,644 |
| Retained earnings to average equity (ytd only) | 6.3633% | 2,168 |
| Net charge-offs to loans | 1.2350% | 1,653 |
| Credit loss provision to net charge-offs | 113.6057% | 3,689 |
| Earnings coverage of net charge-offs (x) | 2.1671% | 4,101 |
| Efficiency ratio | 61.0042% | 5,795 |
| Assets per employee ($millions) | 4.2714% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9313% | 2,398 |
| Loan loss allowance to noncurrent loans | 50.7839% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 4.5903% | 1,476 |
| Noncurrent loans to loans | 3.8030% | 2,027 |
| Net loans and leases to total assets | 57.8846% | 5,280 |
| Net loans and leases to deposits | 70.2265% | 5,117 |
| Net loans and leases to core deposits | 106.7977% | 1,251 |
| Total domestic deposits to total assets | 82.4256% | 4,829 |
| Equity capital to assets | 9.7120% | 4,529 |
| Core capital (leverage) ratio | 9.8518% | 3,428 |
| Tier 1 risk-based capital ratio | 15.3554% | 3,071 |
| Total risk-based capital ratio | 16.6002% | 3,035 |
| Memoranda: | ||
| Average total assets | $1,942,858,750 | 357 |
| Average earning assets | $1,768,001,250 | 349 |
| Average equity | $190,547,750 | 362 |
| Average total loans | $1,202,165,750 | 375 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3363% | 3,284 |
| Cost of funding earning assets | 1.5378% | 3,022 |
| Net interest margin | 3.7985% | 3,895 |
| Noninterest income to average assets | 0.7991% | 2,120 |
| Noninterest expense to average assets | 2.5760% | 5,429 |
| Loan and lease loss provision to assets | 0.4737% | 2,949 |
| Net operating income to assets | 0.7885% | 3,019 |
| Return on assets (ROA) | 0.9471% | 2,468 |
| Pretax return on assets | 1.4486% | 1,701 |
| Return on Equity (ROE) | 9.6225% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.6225% | 934 |
| Net charge-offs to loans | 0.7944% | 2,261 |
| Credit loss provision to net charge-offs | 94.7767% | 4,271 |
| Earnings coverage of net charge-offs (x) | 3.3580% | 3,359 |
| Efficiency ratio | 60.5493% | 5,944 |
| Assets per employee ($millions) | 4.1980% | 3,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 2,709 |
| Loan loss allowance to noncurrent loans | 48.4846% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 4.9753% | 1,301 |
| Noncurrent loans to loans | 3.7175% | 2,098 |
| Net loans and leases to total assets | 61.6514% | 4,749 |
| Net loans and leases to deposits | 74.3262% | 4,627 |
| Net loans and leases to core deposits | 112.1086% | 1,028 |
| Total domestic deposits to total assets | 82.9471% | 4,598 |
| Equity capital to assets | 9.9525% | 4,077 |
| Core capital (leverage) ratio | 9.9107% | 3,269 |
| Tier 1 risk-based capital ratio | 14.2375% | 3,582 |
| Total risk-based capital ratio | 15.4839% | 3,553 |
| Memoranda: | ||
| Average total assets | $1,899,943,330 | 367 |
| Average earning assets | $1,728,266,330 | 360 |
| Average equity | $186,998,670 | 367 |
| Average total loans | $1,195,302,670 | 379 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4384% | 2,871 |
| Cost of funding earning assets | 1.5493% | 3,274 |
| Net interest margin | 3.8891% | 3,377 |
| Noninterest income to average assets | 0.8455% | 1,828 |
| Noninterest expense to average assets | 2.5600% | 5,518 |
| Loan and lease loss provision to assets | 0.4776% | 2,590 |
| Net operating income to assets | 0.8852% | 2,611 |
| Return on assets (ROA) | 1.1478% | 1,764 |
| Pretax return on assets | 1.7557% | 964 |
| Return on Equity (ROE) | 11.7287% | 1,572 |
| Retained earnings to average equity (ytd only) | 11.7287% | 792 |
| Net charge-offs to loans | 0.5669% | 2,382 |
| Credit loss provision to net charge-offs | 133.7693% | 2,640 |
| Earnings coverage of net charge-offs (x) | 5.1237% | 2,462 |
| Efficiency ratio | 58.3229% | 6,435 |
| Assets per employee ($millions) | 4.4385% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9068% | 2,418 |
| Loan loss allowance to noncurrent loans | 38.2015% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 5.3220% | 1,174 |
| Noncurrent loans to loans | 4.9914% | 1,453 |
| Net loans and leases to total assets | 60.9596% | 4,949 |
| Net loans and leases to deposits | 76.4422% | 4,331 |
| Net loans and leases to core deposits | 112.4916% | 1,129 |
| Total domestic deposits to total assets | 79.7461% | 5,873 |
| Equity capital to assets | 9.7768% | 4,140 |
| Core capital (leverage) ratio | 9.7092% | 3,507 |
| Tier 1 risk-based capital ratio | 14.5991% | 3,321 |
| Total risk-based capital ratio | 15.8498% | 3,282 |
| Memoranda: | ||
| Average total assets | $1,884,380,000 | 383 |
| Average earning assets | $1,717,127,500 | 375 |
| Average equity | $184,403,000 | 377 |
| Average total loans | $1,186,762,000 | 402 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5429% | 3,910 |
| Cost of funding earning assets | 2.0203% | 2,866 |
| Net interest margin | 3.5226% | 4,856 |
| Noninterest income to average assets | 0.7600% | 2,618 |
| Noninterest expense to average assets | 2.5107% | 6,086 |
| Loan and lease loss provision to assets | 0.6790% | 3,105 |
| Net operating income to assets | 0.5437% | 3,558 |
| Return on assets (ROA) | 0.5646% | 3,543 |
| Pretax return on assets | 0.8437% | 3,101 |
| Return on Equity (ROE) | 5.8068% | 3,292 |
| Retained earnings to average equity (ytd only) | 5.8068% | 1,425 |
| Net charge-offs to loans | 0.7104% | 3,054 |
| Credit loss provision to net charge-offs | 146.8807% | 3,212 |
| Earnings coverage of net charge-offs (x) | 3.2263% | 3,440 |
| Efficiency ratio | 62.7323% | 6,015 |
| Assets per employee ($millions) | 4.4503% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,356 |
| Loan loss allowance to noncurrent loans | 39.6996% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 5.2697% | 1,125 |
| Noncurrent loans to loans | 4.6989% | 1,493 |
| Net loans and leases to total assets | 62.6481% | 4,877 |
| Net loans and leases to deposits | 78.6895% | 4,238 |
| Net loans and leases to core deposits | 134.0364% | 1,050 |
| Total domestic deposits to total assets | 79.6143% | 5,809 |
| Equity capital to assets | 9.7953% | 4,010 |
| Core capital (leverage) ratio | 9.8642% | 3,251 |
| Tier 1 risk-based capital ratio | 14.0595% | 3,463 |
| Total risk-based capital ratio | 15.3101% | 3,416 |
| Memoranda: | ||
| Average total assets | $1,785,586,600 | 396 |
| Average earning assets | $1,643,462,400 | 391 |
| Average equity | $173,607,800 | 397 |
| Average total loans | $1,161,998,600 | 415 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5242% | 4,301 |
| Cost of funding earning assets | 2.1598% | 2,600 |
| Net interest margin | 3.3645% | 5,393 |
| Noninterest income to average assets | 0.7302% | 2,824 |
| Noninterest expense to average assets | 2.4864% | 6,116 |
| Loan and lease loss provision to assets | 0.7447% | 2,510 |
| Net operating income to assets | 0.4023% | 4,395 |
| Return on assets (ROA) | 0.4326% | 4,368 |
| Pretax return on assets | 0.6485% | 4,024 |
| Return on Equity (ROE) | 4.4584% | 4,181 |
| Retained earnings to average equity (ytd only) | 4.4584% | 2,782 |
| Net charge-offs to loans | 0.6747% | 2,668 |
| Credit loss provision to net charge-offs | 168.7746% | 2,770 |
| Earnings coverage of net charge-offs (x) | 3.0547% | 3,702 |
| Efficiency ratio | 64.8474% | 5,578 |
| Assets per employee ($millions) | 4.1257% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9018% | 2,027 |
| Loan loss allowance to noncurrent loans | 54.5909% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 4.7498% | 1,252 |
| Noncurrent loans to loans | 3.4838% | 2,146 |
| Net loans and leases to total assets | 68.3609% | 3,876 |
| Net loans and leases to deposits | 84.6541% | 3,543 |
| Net loans and leases to core deposits | 139.6060% | 934 |
| Total domestic deposits to total assets | 80.7532% | 5,174 |
| Equity capital to assets | 10.4460% | 3,574 |
| Core capital (leverage) ratio | 9.8393% | 3,466 |
| Tier 1 risk-based capital ratio | 14.3165% | 3,377 |
| Total risk-based capital ratio | 15.5666% | 3,321 |
| Memoranda: | ||
| Average total assets | $1,768,039,250 | 413 |
| Average earning assets | $1,631,170,000 | 407 |
| Average equity | $171,565,250 | 412 |
| Average total loans | $1,156,321,250 | 436 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 5,077 |
| Cost of funding earning assets | 2.2432% | 2,609 |
| Net interest margin | 3.1696% | 6,020 |
| Noninterest income to average assets | 0.7168% | 2,888 |
| Noninterest expense to average assets | 2.4219% | 6,395 |
| Loan and lease loss provision to assets | 0.6814% | 2,385 |
| Net operating income to assets | 0.3638% | 4,642 |
| Return on assets (ROA) | 0.3667% | 4,728 |
| Pretax return on assets | 0.5545% | 4,456 |
| Return on Equity (ROE) | 3.8711% | 4,549 |
| Retained earnings to average equity (ytd only) | 3.8711% | 3,127 |
| Net charge-offs to loans | 0.6067% | 2,524 |
| Credit loss provision to net charge-offs | 175.3005% | 2,613 |
| Earnings coverage of net charge-offs (x) | 3.1683% | 3,537 |
| Efficiency ratio | 66.2901% | 5,503 |
| Assets per employee ($millions) | 4.5675% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 1,973 |
| Loan loss allowance to noncurrent loans | 96.0805% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 3.1955% | 1,964 |
| Noncurrent loans to loans | 1.9008% | 3,668 |
| Net loans and leases to total assets | 61.3809% | 5,462 |
| Net loans and leases to deposits | 75.0054% | 5,320 |
| Net loans and leases to core deposits | 119.3370% | 2,425 |
| Total domestic deposits to total assets | 81.8353% | 4,758 |
| Equity capital to assets | 9.4508% | 4,673 |
| Core capital (leverage) ratio | 9.4156% | 4,010 |
| Tier 1 risk-based capital ratio | 14.0278% | 3,506 |
| Total risk-based capital ratio | 15.2767% | 3,447 |
| Memoranda: | ||
| Average total assets | $1,797,664,000 | 413 |
| Average earning assets | $1,665,593,000 | 404 |
| Average equity | $170,285,330 | 418 |
| Average total loans | $1,151,713,000 | 454 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5625% | 4,566 |
| Cost of funding earning assets | 2.3959% | 2,311 |
| Net interest margin | 3.1666% | 5,963 |
| Noninterest income to average assets | 0.6647% | 3,110 |
| Noninterest expense to average assets | 2.3163% | 6,482 |
| Loan and lease loss provision to assets | 0.8693% | 1,511 |
| Net operating income to assets | 0.2754% | 5,383 |
| Return on assets (ROA) | 0.2811% | 5,536 |
| Pretax return on assets | 0.4337% | 5,296 |
| Return on Equity (ROE) | 2.9640% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.9640% | 4,226 |
| Net charge-offs to loans | 0.7997% | 1,616 |
| Credit loss provision to net charge-offs | 167.6038% | 2,549 |
| Earnings coverage of net charge-offs (x) | 2.4952% | 3,498 |
| Efficiency ratio | 64.1543% | 5,665 |
| Assets per employee ($millions) | 4.6978% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 2,081 |
| Loan loss allowance to noncurrent loans | 60.9034% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 3.2504% | 1,698 |
| Noncurrent loans to loans | 2.8212% | 2,321 |
| Net loans and leases to total assets | 63.2548% | 5,112 |
| Net loans and leases to deposits | 77.6798% | 4,978 |
| Net loans and leases to core deposits | 123.6243% | 2,104 |
| Total domestic deposits to total assets | 81.4301% | 4,775 |
| Equity capital to assets | 9.5084% | 4,652 |
| Core capital (leverage) ratio | 9.4932% | 3,997 |
| Tier 1 risk-based capital ratio | 13.9720% | 3,608 |
| Total risk-based capital ratio | 15.2201% | 3,533 |
| Memoranda: | ||
| Average total assets | $1,783,000,000 | 415 |
| Average earning assets | $1,658,689,500 | 409 |
| Average equity | $169,095,500 | 420 |
| Average total loans | $1,156,427,000 | 457 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7826% | 1,743 |
| Cost of funding earning assets | 3.0232% | 1,787 |
| Net interest margin | 3.7595% | 4,183 |
| Noninterest income to average assets | 0.7681% | 2,678 |
| Noninterest expense to average assets | 2.3740% | 6,493 |
| Loan and lease loss provision to assets | 0.6533% | 2,226 |
| Net operating income to assets | 0.8150% | 3,367 |
| Return on assets (ROA) | 0.8781% | 2,950 |
| Pretax return on assets | 1.3279% | 2,214 |
| Return on Equity (ROE) | 9.5505% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.5505% | 515 |
| Net charge-offs to loans | 0.7949% | 1,567 |
| Credit loss provision to net charge-offs | 125.2586% | 4,265 |
| Earnings coverage of net charge-offs (x) | 3.6155% | 4,290 |
| Efficiency ratio | 55.7322% | 7,051 |
| Assets per employee ($millions) | 4.6374% | 2,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 2,362 |
| Loan loss allowance to noncurrent loans | 48.9790% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 2.9191% | 1,587 |
| Noncurrent loans to loans | 3.2062% | 1,640 |
| Net loans and leases to total assets | 64.3339% | 5,203 |
| Net loans and leases to deposits | 79.5057% | 5,133 |
| Net loans and leases to core deposits | 122.5134% | 2,448 |
| Total domestic deposits to total assets | 80.9173% | 4,679 |
| Equity capital to assets | 9.4589% | 4,744 |
| Core capital (leverage) ratio | 9.5549% | 3,935 |
| Tier 1 risk-based capital ratio | 13.8870% | 3,600 |
| Total risk-based capital ratio | 15.1308% | 3,526 |
| Memoranda: | ||
| Average total assets | $1,668,500,200 | 424 |
| Average earning assets | $1,549,573,600 | 414 |
| Average equity | $153,405,400 | 458 |
| Average total loans | $1,094,795,600 | 462 |