Home > Macatawa Bank > Performance and Condition Ratios
Macatawa 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 | 4.4359% | 3,217 |
| Cost of funding earning assets | 1.0276% | 3,233 |
| Net interest margin | 3.4083% | 2,390 |
| Noninterest income to average assets | 0.6900% | 1,219 |
| Noninterest expense to average assets | 1.8665% | 3,897 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.6048% | 859 |
| Return on assets (ROA) | 1.6052% | 830 |
| Pretax return on assets | 1.9967% | 681 |
| Return on Equity (ROE) | 17.0900% | 936 |
| Retained earnings to average equity (ytd only) | 12.1370% | 620 |
| Net charge-offs to loans | -0.0104% | 4,005 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 48.0715% | 4,090 |
| Assets per employee ($millions) | 8.7253% | 1,101 |
| Cash dividends to net income (ytd only)* | 28.9926% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 1,749 |
| Loan loss allowance to noncurrent loans | 1,744,200.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,870 |
| Noncurrent loans to loans | 0.0001% | 3,818 |
| Net loans and leases to total assets | 48.0600% | 3,723 |
| Net loans and leases to deposits | 54.4818% | 3,762 |
| Net loans and leases to core deposits | 56.6524% | 3,890 |
| Total domestic deposits to total assets | 88.2200% | 1,280 |
| Equity capital to assets | 10.1152% | 1,940 |
| Core capital (leverage) ratio | 11.0151% | 1,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1761% | 883 |
| Memoranda: | ||
| Average total assets | $2,736,374,000 | 427 |
| Average earning assets | $2,565,706,400 | 415 |
| Average equity | $256,982,200 | 445 |
| Average total loans | $1,260,048,200 | 605 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3826% | 3,133 |
| Cost of funding earning assets | 0.9459% | 3,164 |
| Net interest margin | 3.4368% | 2,375 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 1.8195% | 3,939 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.6733% | 830 |
| Return on assets (ROA) | 1.6716% | 828 |
| Pretax return on assets | 2.0813% | 682 |
| Return on Equity (ROE) | 18.1500% | 930 |
| Retained earnings to average equity (ytd only) | 13.2438% | 784 |
| Net charge-offs to loans | -0.0097% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.5309% | 4,108 |
| Assets per employee ($millions) | 8.7888% | 1,007 |
| Cash dividends to net income (ytd only)* | 27.0340% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3166% | 1,787 |
| Loan loss allowance to noncurrent loans | 1,700,100.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,900 |
| Noncurrent loans to loans | 0.0001% | 3,845 |
| Net loans and leases to total assets | 46.1800% | 3,822 |
| Net loans and leases to deposits | 51.9216% | 3,877 |
| Net loans and leases to core deposits | 53.7877% | 3,944 |
| Total domestic deposits to total assets | 88.9300% | 1,281 |
| Equity capital to assets | 9.4555% | 2,125 |
| Core capital (leverage) ratio | 10.5860% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1274% | 937 |
| Memoranda: | ||
| Average total assets | $2,733,353,750 | 429 |
| Average earning assets | $2,560,764,500 | 414 |
| Average equity | $251,724,500 | 447 |
| Average total loans | $1,240,463,750 | 611 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2613% | 3,168 |
| Cost of funding earning assets | 0.8324% | 3,122 |
| Net interest margin | 3.4289% | 2,452 |
| Noninterest income to average assets | 0.7000% | 1,120 |
| Noninterest expense to average assets | 1.8139% | 3,970 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.6665% | 839 |
| Return on assets (ROA) | 1.6662% | 844 |
| Pretax return on assets | 2.0737% | 654 |
| Return on Equity (ROE) | 18.2600% | 921 |
| Retained earnings to average equity (ytd only) | 13.3359% | 763 |
| Net charge-offs to loans | -0.0078% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.3926% | 4,149 |
| Assets per employee ($millions) | 8.1424% | 1,255 |
| Cash dividends to net income (ytd only)* | 26.9571% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 1,731 |
| Loan loss allowance to noncurrent loans | 23,762.5000% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,867 |
| Noncurrent loans to loans | 0.0057% | 3,764 |
| Net loans and leases to total assets | 47.7000% | 3,702 |
| Net loans and leases to deposits | 53.8415% | 3,754 |
| Net loans and leases to core deposits | 55.5860% | 3,830 |
| Total domestic deposits to total assets | 88.5900% | 1,380 |
| Equity capital to assets | 9.7023% | 2,028 |
| Core capital (leverage) ratio | 10.7507% | 2,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6598% | 1,008 |
| Memoranda: | ||
| Average total assets | $2,724,579,667 | 419 |
| Average earning assets | $2,552,543,667 | 407 |
| Average equity | $248,652,000 | 443 |
| Average total loans | $1,223,521,667 | 606 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 3,053 |
| Cost of funding earning assets | 0.7155% | 3,006 |
| Net interest margin | 3.4801% | 2,419 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 1.7683% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7607% | 731 |
| Return on assets (ROA) | 1.7627% | 720 |
| Pretax return on assets | 2.2001% | 571 |
| Return on Equity (ROE) | 19.9100% | 779 |
| Retained earnings to average equity (ytd only) | 14.9149% | 809 |
| Net charge-offs to loans | -0.0110% | 3,875 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.5876% | 4,281 |
| Assets per employee ($millions) | 8.2927% | 1,208 |
| Cash dividends to net income (ytd only)* | 25.0921% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 1,713 |
| Loan loss allowance to noncurrent loans | 22,392.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,889 |
| Noncurrent loans to loans | 0.0061% | 3,797 |
| Net loans and leases to total assets | 45.6700% | 3,790 |
| Net loans and leases to deposits | 51.4837% | 3,818 |
| Net loans and leases to core deposits | 52.7492% | 3,878 |
| Total domestic deposits to total assets | 88.7000% | 1,658 |
| Equity capital to assets | 9.5594% | 2,096 |
| Core capital (leverage) ratio | 9.9553% | 2,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5777% | 1,056 |
| Memoranda: | ||
| Average total assets | $2,771,877,500 | 425 |
| Average earning assets | $2,599,475,500 | 409 |
| Average equity | $245,393,000 | 456 |
| Average total loans | $1,199,494,500 | 625 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7622% | 4,358 |
| Cost of funding earning assets | 0.1755% | 3,949 |
| Net interest margin | 2.5866% | 4,196 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 1.6510% | 4,245 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 1.2341% | 1,647 |
| Return on assets (ROA) | 1.2294% | 1,617 |
| Pretax return on assets | 1.5252% | 1,381 |
| Return on Equity (ROE) | 14.9100% | 1,272 |
| Retained earnings to average equity (ytd only) | 9.8833% | 1,198 |
| Net charge-offs to loans | -0.0462% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.5318% | 3,934 |
| Assets per employee ($millions) | 9.1118% | 880 |
| Cash dividends to net income (ytd only)* | 33.6925% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 1,902 |
| Loan loss allowance to noncurrent loans | 19,596.1538% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 2,967 |
| Noncurrent loans to loans | 0.0066% | 3,817 |
| Net loans and leases to total assets | 40.0000% | 4,068 |
| Net loans and leases to deposits | 44.3223% | 4,103 |
| Net loans and leases to core deposits | 44.8293% | 4,156 |
| Total domestic deposits to total assets | 90.2500% | 1,260 |
| Equity capital to assets | 8.2120% | 2,927 |
| Core capital (leverage) ratio | 9.4352% | 3,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3670% | 1,071 |
| Memoranda: | ||
| Average total assets | $2,876,079,200 | 407 |
| Average earning assets | $2,711,864,600 | 393 |
| Average equity | $237,218,400 | 459 |
| Average total loans | $1,128,615,400 | 616 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4337% | 4,486 |
| Cost of funding earning assets | 0.1069% | 4,229 |
| Net interest margin | 2.3268% | 4,388 |
| Noninterest income to average assets | 0.7100% | 1,285 |
| Noninterest expense to average assets | 1.6368% | 4,260 |
| Loan and lease loss provision to assets | -0.0700% | 4,539 |
| Net operating income to assets | 1.0802% | 2,171 |
| Return on assets (ROA) | 1.0736% | 2,154 |
| Pretax return on assets | 1.3293% | 1,950 |
| Return on Equity (ROE) | 13.0000% | 1,697 |
| Retained earnings to average equity (ytd only) | 8.3055% | 1,884 |
| Net charge-offs to loans | -0.0516% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.3543% | 3,590 |
| Assets per employee ($millions) | 8.9424% | 913 |
| Cash dividends to net income (ytd only)* | 36.1243% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 2,020 |
| Loan loss allowance to noncurrent loans | 17,436.4706% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 3,068 |
| Noncurrent loans to loans | 0.0075% | 3,895 |
| Net loans and leases to total assets | 39.6500% | 4,086 |
| Net loans and leases to deposits | 43.8454% | 4,121 |
| Net loans and leases to core deposits | 44.2327% | 4,170 |
| Total domestic deposits to total assets | 90.4400% | 1,456 |
| Equity capital to assets | 8.0702% | 2,858 |
| Core capital (leverage) ratio | 9.0208% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1613% | 1,145 |
| Memoranda: | ||
| Average total assets | $2,868,431,750 | 407 |
| Average earning assets | $2,709,225,250 | 393 |
| Average equity | $236,848,750 | 463 |
| Average total loans | $1,116,278,500 | 612 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0992% | 4,599 |
| Cost of funding earning assets | 0.0786% | 4,393 |
| Net interest margin | 2.0206% | 4,547 |
| Noninterest income to average assets | 0.7104% | 1,291 |
| Noninterest expense to average assets | 1.6146% | 4,289 |
| Loan and lease loss provision to assets | -0.1042% | 4,600 |
| Net operating income to assets | 0.9025% | 2,570 |
| Return on assets (ROA) | 0.8960% | 2,574 |
| Pretax return on assets | 1.1024% | 2,404 |
| Return on Equity (ROE) | 10.7714% | 2,061 |
| Retained earnings to average equity (ytd only) | 6.0565% | 2,319 |
| Net charge-offs to loans | -0.0437% | 4,183 |
| Credit loss provision to net charge-offs | 619.8347% | 555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6043% | 3,091 |
| Assets per employee ($millions) | 8.8004% | 955 |
| Cash dividends to net income (ytd only)* | 43.7718% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,120 |
| Loan loss allowance to noncurrent loans | 16,256.6667% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 3,109 |
| Noncurrent loans to loans | 0.0081% | 3,935 |
| Net loans and leases to total assets | 39.4993% | 4,097 |
| Net loans and leases to deposits | 43.8982% | 4,118 |
| Net loans and leases to core deposits | 44.3732% | 4,179 |
| Total domestic deposits to total assets | 89.9794% | 1,716 |
| Equity capital to assets | 8.4558% | 2,793 |
| Core capital (leverage) ratio | 8.8539% | 3,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9682% | 1,196 |
| Memoranda: | ||
| Average total assets | $2,879,661,667 | 397 |
| Average earning assets | $2,722,690,000 | 391 |
| Average equity | $239,542,333 | 461 |
| Average total loans | $1,108,745,000 | 603 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8933% | 4,642 |
| Cost of funding earning assets | 0.0689% | 4,463 |
| Net interest margin | 1.8244% | 4,609 |
| Noninterest income to average assets | 0.6875% | 1,355 |
| Noninterest expense to average assets | 1.5758% | 4,333 |
| Loan and lease loss provision to assets | -0.2048% | 4,688 |
| Net operating income to assets | 0.8486% | 2,490 |
| Return on assets (ROA) | 0.8411% | 2,514 |
| Pretax return on assets | 1.0368% | 2,333 |
| Return on Equity (ROE) | 10.1912% | 1,890 |
| Retained earnings to average equity (ytd only) | 5.4323% | 2,434 |
| Net charge-offs to loans | -0.0821% | 4,408 |
| Credit loss provision to net charge-offs | 660.7930% | 441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1958% | 2,880 |
| Assets per employee ($millions) | 9.3896% | 797 |
| Cash dividends to net income (ytd only)* | 46.6959% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3254% | 2,237 |
| Loan loss allowance to noncurrent loans | 16,061.5385% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0831% | 3,249 |
| Noncurrent loans to loans | 0.0083% | 3,966 |
| Net loans and leases to total assets | 37.1436% | 4,153 |
| Net loans and leases to deposits | 42.0121% | 4,161 |
| Net loans and leases to core deposits | 42.4566% | 4,223 |
| Total domestic deposits to total assets | 88.4115% | 2,331 |
| Equity capital to assets | 8.1082% | 3,487 |
| Core capital (leverage) ratio | 8.5476% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3534% | 1,177 |
| Memoranda: | ||
| Average total assets | $2,929,028,000 | 395 |
| Average earning assets | $2,776,769,000 | 386 |
| Average equity | $241,738,000 | 465 |
| Average total loans | $1,106,578,500 | 599 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1897% | 4,629 |
| Cost of funding earning assets | 0.0839% | 4,509 |
| Net interest margin | 2.1058% | 4,540 |
| Noninterest income to average assets | 0.8390% | 1,350 |
| Noninterest expense to average assets | 1.5996% | 4,422 |
| Loan and lease loss provision to assets | -0.0725% | 4,453 |
| Net operating income to assets | 1.0589% | 2,447 |
| Return on assets (ROA) | 1.0576% | 2,522 |
| Pretax return on assets | 1.3036% | 2,346 |
| Return on Equity (ROE) | 12.0795% | 1,787 |
| Retained earnings to average equity (ytd only) | -1.2859% | 4,592 |
| Net charge-offs to loans | -0.0420% | 4,241 |
| Credit loss provision to net charge-offs | 386.0640% | 926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4782% | 3,644 |
| Assets per employee ($millions) | 9.3862% | 814 |
| Cash dividends to net income (ytd only)* | 110.6451% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 1,801 |
| Loan loss allowance to noncurrent loans | 17,084.9462% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,360 |
| Noncurrent loans to loans | 0.0084% | 4,043 |
| Net loans and leases to total assets | 37.3744% | 4,229 |
| Net loans and leases to deposits | 42.3279% | 4,261 |
| Net loans and leases to core deposits | 42.7951% | 4,311 |
| Total domestic deposits to total assets | 88.2974% | 1,875 |
| Equity capital to assets | 8.3982% | 4,116 |
| Core capital (leverage) ratio | 8.4434% | 3,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7728% | 1,103 |
| Memoranda: | ||
| Average total assets | $2,828,937,800 | 395 |
| Average earning assets | $2,677,731,000 | 383 |
| Average equity | $247,692,600 | 451 |
| Average total loans | $1,263,949,200 | 540 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2774% | 4,681 |
| Cost of funding earning assets | 0.0874% | 4,593 |
| Net interest margin | 2.1900% | 4,576 |
| Noninterest income to average assets | 0.8737% | 1,312 |
| Noninterest expense to average assets | 1.6239% | 4,436 |
| Loan and lease loss provision to assets | -0.0618% | 4,502 |
| Net operating income to assets | 1.1199% | 2,480 |
| Return on assets (ROA) | 1.1188% | 2,541 |
| Pretax return on assets | 1.3816% | 2,399 |
| Return on Equity (ROE) | 12.6430% | 1,819 |
| Retained earnings to average equity (ytd only) | -3.5615% | 4,760 |
| Net charge-offs to loans | -0.0434% | 4,285 |
| Credit loss provision to net charge-offs | 306.6038% | 992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1399% | 3,638 |
| Assets per employee ($millions) | 9.0948% | 866 |
| Cash dividends to net income (ytd only)* | 128.1695% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,810 |
| Loan loss allowance to noncurrent loans | 3,936.1905% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 3,467 |
| Noncurrent loans to loans | 0.0369% | 3,942 |
| Net loans and leases to total assets | 38.6976% | 4,269 |
| Net loans and leases to deposits | 43.8385% | 4,318 |
| Net loans and leases to core deposits | 44.3522% | 4,365 |
| Total domestic deposits to total assets | 88.2732% | 1,671 |
| Equity capital to assets | 8.4146% | 4,261 |
| Core capital (leverage) ratio | 8.2388% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0248% | 1,129 |
| Memoranda: | ||
| Average total assets | $2,804,046,750 | 397 |
| Average earning assets | $2,652,053,250 | 389 |
| Average equity | $248,130,250 | 453 |
| Average total loans | $1,302,336,500 | 529 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3244% | 4,713 |
| Cost of funding earning assets | 0.0919% | 4,625 |
| Net interest margin | 2.2326% | 4,574 |
| Noninterest income to average assets | 0.9165% | 1,227 |
| Noninterest expense to average assets | 1.6430% | 4,458 |
| Loan and lease loss provision to assets | -0.0541% | 4,533 |
| Net operating income to assets | 1.1673% | 2,305 |
| Return on assets (ROA) | 1.1660% | 2,369 |
| Pretax return on assets | 1.4370% | 2,222 |
| Return on Equity (ROE) | 12.9550% | 1,731 |
| Retained earnings to average equity (ytd only) | -8.6225% | 4,851 |
| Net charge-offs to loans | -0.0218% | 4,027 |
| Credit loss provision to net charge-offs | 506.7568% | 674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2701% | 3,768 |
| Assets per employee ($millions) | 9.1310% | 824 |
| Cash dividends to net income (ytd only)* | 166.5573% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,180 |
| Loan loss allowance to noncurrent loans | 3,881.2933% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 3,581 |
| Noncurrent loans to loans | 0.0348% | 4,026 |
| Net loans and leases to total assets | 41.7073% | 4,197 |
| Net loans and leases to deposits | 47.0255% | 4,268 |
| Net loans and leases to core deposits | 47.5611% | 4,346 |
| Total domestic deposits to total assets | 88.6909% | 1,459 |
| Equity capital to assets | 8.1792% | 4,441 |
| Core capital (leverage) ratio | 8.4944% | 3,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7332% | 1,181 |
| Memoranda: | ||
| Average total assets | $2,771,644,667 | 399 |
| Average earning assets | $2,620,666,000 | 390 |
| Average equity | $249,464,000 | 450 |
| Average total loans | $1,356,699,333 | 518 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4056% | 4,710 |
| Cost of funding earning assets | 0.0994% | 4,649 |
| Net interest margin | 2.3062% | 4,516 |
| Noninterest income to average assets | 0.9740% | 1,177 |
| Noninterest expense to average assets | 1.6775% | 4,417 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2017% | 2,138 |
| Return on assets (ROA) | 1.1985% | 2,230 |
| Pretax return on assets | 1.4721% | 2,069 |
| Return on Equity (ROE) | 12.6826% | 1,757 |
| Retained earnings to average equity (ytd only) | 6.8642% | 2,622 |
| Net charge-offs to loans | -0.0125% | 3,766 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1930% | 3,887 |
| Assets per employee ($millions) | 8.3341% | 1,059 |
| Cash dividends to net income (ytd only)* | 45.8768% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,648 |
| Loan loss allowance to noncurrent loans | 3,324.1905% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 3,648 |
| Noncurrent loans to loans | 0.0377% | 4,092 |
| Net loans and leases to total assets | 50.2937% | 3,597 |
| Net loans and leases to deposits | 57.3970% | 3,684 |
| Net loans and leases to core deposits | 58.1237% | 3,825 |
| Total domestic deposits to total assets | 87.6243% | 2,033 |
| Equity capital to assets | 9.3236% | 3,364 |
| Core capital (leverage) ratio | 9.5184% | 3,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8087% | 955 |
| Memoranda: | ||
| Average total assets | $2,687,372,500 | 404 |
| Average earning assets | $2,539,780,000 | 396 |
| Average equity | $253,954,500 | 437 |
| Average total loans | $1,413,509,500 | 496 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0642% | 4,588 |
| Cost of funding earning assets | 0.2241% | 4,491 |
| Net interest margin | 2.8401% | 4,199 |
| Noninterest income to average assets | 1.0216% | 1,012 |
| Noninterest expense to average assets | 1.9225% | 4,276 |
| Loan and lease loss provision to assets | 0.1282% | 2,760 |
| Net operating income to assets | 1.3375% | 1,155 |
| Return on assets (ROA) | 1.3386% | 1,248 |
| Pretax return on assets | 1.6354% | 989 |
| Return on Equity (ROE) | 12.9448% | 1,054 |
| Retained earnings to average equity (ytd only) | 8.1147% | 1,020 |
| Net charge-offs to loans | 0.1904% | 891 |
| Credit loss provision to net charge-offs | 107.4499% | 2,746 |
| Earnings coverage of net charge-offs (x) | 14.7672% | 2,194 |
| Efficiency ratio | 52.1749% | 4,371 |
| Assets per employee ($millions) | 8.0279% | 1,028 |
| Cash dividends to net income (ytd only)* | 37.3128% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2133% | 2,872 |
| Loan loss allowance to noncurrent loans | 3,266.0413% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 3,711 |
| Noncurrent loans to loans | 0.0371% | 4,158 |
| Net loans and leases to total assets | 53.6635% | 3,519 |
| Net loans and leases to deposits | 61.4819% | 3,643 |
| Net loans and leases to core deposits | 62.2584% | 3,818 |
| Total domestic deposits to total assets | 87.2834% | 1,802 |
| Equity capital to assets | 9.5807% | 3,532 |
| Core capital (leverage) ratio | 9.6267% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8387% | 1,086 |
| Memoranda: | ||
| Average total assets | $2,339,656,000 | 419 |
| Average earning assets | $2,193,825,000 | 408 |
| Average equity | $241,943,600 | 432 |
| Average total loans | $1,466,237,800 | 456 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1344% | 4,643 |
| Cost of funding earning assets | 0.2634% | 4,460 |
| Net interest margin | 2.8710% | 4,230 |
| Noninterest income to average assets | 0.9904% | 1,035 |
| Noninterest expense to average assets | 1.9527% | 4,249 |
| Loan and lease loss provision to assets | 0.1295% | 2,725 |
| Net operating income to assets | 1.2987% | 1,358 |
| Return on assets (ROA) | 1.3005% | 1,451 |
| Pretax return on assets | 1.5975% | 1,188 |
| Return on Equity (ROE) | 12.3118% | 1,297 |
| Retained earnings to average equity (ytd only) | 7.4445% | 1,515 |
| Net charge-offs to loans | 0.2571% | 600 |
| Credit loss provision to net charge-offs | 77.4103% | 2,774 |
| Earnings coverage of net charge-offs (x) | 10.3072% | 2,366 |
| Efficiency ratio | 53.0974% | 4,243 |
| Assets per employee ($millions) | 7.6476% | 1,143 |
| Cash dividends to net income (ytd only)* | 39.5336% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0711% | 3,358 |
| Loan loss allowance to noncurrent loans | 8,491.2821% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 3,874 |
| Noncurrent loans to loans | 0.0126% | 4,393 |
| Net loans and leases to total assets | 60.9666% | 3,114 |
| Net loans and leases to deposits | 70.2125% | 3,296 |
| Net loans and leases to core deposits | 71.2580% | 3,536 |
| Total domestic deposits to total assets | 86.8315% | 1,730 |
| Equity capital to assets | 9.8477% | 3,383 |
| Core capital (leverage) ratio | 9.5162% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2821% | 1,191 |
| Memoranda: | ||
| Average total assets | $2,264,276,750 | 422 |
| Average earning assets | $2,119,373,500 | 416 |
| Average equity | $239,168,750 | 430 |
| Average total loans | $1,474,109,000 | 451 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3358% | 4,607 |
| Cost of funding earning assets | 0.3141% | 4,421 |
| Net interest margin | 3.0217% | 4,077 |
| Noninterest income to average assets | 0.9833% | 1,015 |
| Noninterest expense to average assets | 1.9983% | 4,239 |
| Loan and lease loss provision to assets | 0.1558% | 2,440 |
| Net operating income to assets | 1.3439% | 1,238 |
| Return on assets (ROA) | 1.3466% | 1,329 |
| Pretax return on assets | 1.6544% | 1,094 |
| Return on Equity (ROE) | 12.4260% | 1,236 |
| Retained earnings to average equity (ytd only) | 7.7497% | 1,384 |
| Net charge-offs to loans | 0.4199% | 379 |
| Credit loss provision to net charge-offs | 55.8292% | 2,599 |
| Earnings coverage of net charge-offs (x) | 6.4765% | 2,434 |
| Efficiency ratio | 52.5150% | 4,323 |
| Assets per employee ($millions) | 7.2928% | 1,283 |
| Cash dividends to net income (ytd only)* | 37.6335% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,506 |
| Loan loss allowance to noncurrent loans | 536.1853% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.2278% | 3,414 |
| Noncurrent loans to loans | 0.1890% | 3,703 |
| Net loans and leases to total assets | 63.1949% | 2,982 |
| Net loans and leases to deposits | 72.8665% | 3,173 |
| Net loans and leases to core deposits | 74.0258% | 3,459 |
| Total domestic deposits to total assets | 86.7270% | 1,723 |
| Equity capital to assets | 9.9050% | 3,280 |
| Core capital (leverage) ratio | 10.2077% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8658% | 1,281 |
| Memoranda: | ||
| Average total assets | $2,182,902,667 | 426 |
| Average earning assets | $2,038,527,667 | 418 |
| Average equity | $236,551,667 | 430 |
| Average total loans | $1,450,197,667 | 452 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 4,444 |
| Cost of funding earning assets | 0.4093% | 4,332 |
| Net interest margin | 3.2594% | 3,694 |
| Noninterest income to average assets | 0.9579% | 938 |
| Noninterest expense to average assets | 2.2431% | 3,906 |
| Loan and lease loss provision to assets | 0.1366% | 2,016 |
| Net operating income to assets | 1.3160% | 1,201 |
| Return on assets (ROA) | 1.3182% | 1,286 |
| Pretax return on assets | 1.6149% | 1,014 |
| Return on Equity (ROE) | 11.5696% | 1,237 |
| Retained earnings to average equity (ytd only) | 6.7194% | 1,640 |
| Net charge-offs to loans | -0.2840% | 4,975 |
| Credit loss provision to net charge-offs | -70.7786% | 3,154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1907% | 4,195 |
| Assets per employee ($millions) | 6.0788% | 1,617 |
| Cash dividends to net income (ytd only)* | 41.9221% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3518% | 1,902 |
| Loan loss allowance to noncurrent loans | 261.2586% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.4854% | 2,547 |
| Noncurrent loans to loans | 0.5174% | 2,712 |
| Net loans and leases to total assets | 67.8915% | 2,557 |
| Net loans and leases to deposits | 80.5004% | 2,628 |
| Net loans and leases to core deposits | 82.1207% | 3,015 |
| Total domestic deposits to total assets | 84.3369% | 2,656 |
| Equity capital to assets | 11.6553% | 2,324 |
| Core capital (leverage) ratio | 11.5612% | 2,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3861% | 1,788 |
| Memoranda: | ||
| Average total assets | $2,049,169,000 | 440 |
| Average earning assets | $1,907,466,500 | 431 |
| Average equity | $233,473,000 | 436 |
| Average total loans | $1,393,114,000 | 453 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 4,106 |
| Cost of funding earning assets | 0.5478% | 3,887 |
| Net interest margin | 3.5218% | 3,375 |
| Noninterest income to average assets | 0.9823% | 1,011 |
| Noninterest expense to average assets | 2.1580% | 4,248 |
| Loan and lease loss provision to assets | -0.0223% | 4,964 |
| Net operating income to assets | 1.7033% | 653 |
| Return on assets (ROA) | 1.7050% | 694 |
| Pretax return on assets | 2.1068% | 469 |
| Return on Equity (ROE) | 14.7028% | 746 |
| Retained earnings to average equity (ytd only) | 0.7909% | 4,462 |
| Net charge-offs to loans | -0.0561% | 4,841 |
| Credit loss provision to net charge-offs | 58.1395% | 3,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8915% | 4,680 |
| Assets per employee ($millions) | 6.3436% | 1,392 |
| Cash dividends to net income (ytd only)* | 94.6210% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,237 |
| Loan loss allowance to noncurrent loans | 8,472.9064% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 3,922 |
| Noncurrent loans to loans | 0.0146% | 4,522 |
| Net loans and leases to total assets | 66.3304% | 2,914 |
| Net loans and leases to deposits | 77.9128% | 3,018 |
| Net loans and leases to core deposits | 79.6167% | 3,329 |
| Total domestic deposits to total assets | 85.1340% | 2,441 |
| Equity capital to assets | 11.1365% | 2,874 |
| Core capital (leverage) ratio | 11.1496% | 2,375 |
| Tier 1 risk-based capital ratio | 14.2615% | 3,137 |
| Total risk-based capital ratio | 15.3337% | 3,135 |
| Memoranda: | ||
| Average total assets | $2,017,125,600 | 421 |
| Average earning assets | $1,866,066,200 | 416 |
| Average equity | $233,921,200 | 413 |
| Average total loans | $1,380,629,000 | 433 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 4,061 |
| Cost of funding earning assets | 0.5750% | 3,799 |
| Net interest margin | 3.5658% | 3,348 |
| Noninterest income to average assets | 0.9723% | 996 |
| Noninterest expense to average assets | 2.2018% | 4,176 |
| Loan and lease loss provision to assets | -0.0299% | 5,100 |
| Net operating income to assets | 1.6975% | 748 |
| Return on assets (ROA) | 1.7002% | 783 |
| Pretax return on assets | 2.0979% | 553 |
| Return on Equity (ROE) | 14.5126% | 884 |
| Retained earnings to average equity (ytd only) | 9.2231% | 983 |
| Net charge-offs to loans | -0.0695% | 4,911 |
| Credit loss provision to net charge-offs | 62.5869% | 2,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6082% | 4,634 |
| Assets per employee ($millions) | 6.5335% | 1,258 |
| Cash dividends to net income (ytd only)* | 36.4476% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,271 |
| Loan loss allowance to noncurrent loans | 8,125.5924% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 3,963 |
| Noncurrent loans to loans | 0.0153% | 4,607 |
| Net loans and leases to total assets | 63.5282% | 3,334 |
| Net loans and leases to deposits | 74.5144% | 3,435 |
| Net loans and leases to core deposits | 76.0577% | 3,693 |
| Total domestic deposits to total assets | 85.2563% | 2,319 |
| Equity capital to assets | 11.4200% | 2,720 |
| Core capital (leverage) ratio | 11.8810% | 1,935 |
| Tier 1 risk-based capital ratio | 15.3056% | 2,710 |
| Total risk-based capital ratio | 16.3854% | 2,723 |
| Memoranda: | ||
| Average total assets | $2,004,403,500 | 426 |
| Average earning assets | $1,851,705,500 | 422 |
| Average equity | $234,825,250 | 415 |
| Average total loans | $1,378,556,000 | 433 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2462% | 3,808 |
| Cost of funding earning assets | 0.5850% | 3,725 |
| Net interest margin | 3.6612% | 3,066 |
| Noninterest income to average assets | 0.9629% | 936 |
| Noninterest expense to average assets | 2.2730% | 4,077 |
| Loan and lease loss provision to assets | -0.0460% | 5,173 |
| Net operating income to assets | 1.7175% | 702 |
| Return on assets (ROA) | 1.7208% | 728 |
| Pretax return on assets | 2.1241% | 522 |
| Return on Equity (ROE) | 14.5540% | 861 |
| Retained earnings to average equity (ytd only) | 9.4055% | 932 |
| Net charge-offs to loans | -0.0667% | 4,909 |
| Credit loss provision to net charge-offs | 97.8261% | 2,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2872% | 4,633 |
| Assets per employee ($millions) | 5.8315% | 1,666 |
| Cash dividends to net income (ytd only)* | 35.3751% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2559% | 2,222 |
| Loan loss allowance to noncurrent loans | 5,763.1399% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 3,916 |
| Noncurrent loans to loans | 0.0218% | 4,618 |
| Net loans and leases to total assets | 67.1591% | 2,942 |
| Net loans and leases to deposits | 79.5979% | 2,999 |
| Net loans and leases to core deposits | 81.6545% | 3,290 |
| Total domestic deposits to total assets | 84.3729% | 2,733 |
| Equity capital to assets | 12.0851% | 2,124 |
| Core capital (leverage) ratio | 12.0142% | 1,820 |
| Tier 1 risk-based capital ratio | 15.2742% | 2,726 |
| Total risk-based capital ratio | 16.3599% | 2,711 |
| Memoranda: | ||
| Average total assets | $1,958,210,000 | 436 |
| Average earning assets | $1,810,039,330 | 429 |
| Average equity | $231,524,330 | 420 |
| Average total loans | $1,378,560,000 | 432 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2652% | 3,660 |
| Cost of funding earning assets | 0.5741% | 3,706 |
| Net interest margin | 3.6911% | 2,926 |
| Noninterest income to average assets | 0.8889% | 1,068 |
| Noninterest expense to average assets | 2.2747% | 4,087 |
| Loan and lease loss provision to assets | -0.0513% | 5,259 |
| Net operating income to assets | 1.6899% | 746 |
| Return on assets (ROA) | 1.6929% | 763 |
| Pretax return on assets | 2.0775% | 556 |
| Return on Equity (ROE) | 14.4807% | 861 |
| Retained earnings to average equity (ytd only) | 9.3542% | 1,207 |
| Net charge-offs to loans | -0.0762% | 4,958 |
| Credit loss provision to net charge-offs | 93.9850% | 1,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9350% | 4,625 |
| Assets per employee ($millions) | 5.7787% | 1,719 |
| Cash dividends to net income (ytd only)* | 35.4025% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2196% | 2,479 |
| Loan loss allowance to noncurrent loans | 4,130.0733% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 3,866 |
| Noncurrent loans to loans | 0.0295% | 4,647 |
| Net loans and leases to total assets | 71.1001% | 2,311 |
| Net loans and leases to deposits | 84.2288% | 2,363 |
| Net loans and leases to core deposits | 86.5899% | 2,819 |
| Total domestic deposits to total assets | 84.4130% | 2,894 |
| Equity capital to assets | 12.0259% | 2,003 |
| Core capital (leverage) ratio | 11.8985% | 1,828 |
| Tier 1 risk-based capital ratio | 14.6638% | 3,028 |
| Total risk-based capital ratio | 15.7319% | 3,034 |
| Memoranda: | ||
| Average total assets | $1,948,884,000 | 441 |
| Average earning assets | $1,799,590,000 | 436 |
| Average equity | $227,834,000 | 424 |
| Average total loans | $1,395,576,000 | 431 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 4,195 |
| Cost of funding earning assets | 0.4155% | 3,893 |
| Net interest margin | 3.5223% | 3,626 |
| Noninterest income to average assets | 0.9298% | 1,106 |
| Noninterest expense to average assets | 2.3051% | 4,108 |
| Loan and lease loss provision to assets | 0.0237% | 3,695 |
| Net operating income to assets | 1.5021% | 1,115 |
| Return on assets (ROA) | 1.5008% | 1,102 |
| Pretax return on assets | 1.8451% | 822 |
| Return on Equity (ROE) | 13.3260% | 1,225 |
| Retained earnings to average equity (ytd only) | 8.1681% | 1,164 |
| Net charge-offs to loans | 0.0129% | 3,254 |
| Credit loss provision to net charge-offs | 258.6207% | 1,157 |
| Earnings coverage of net charge-offs (x) | 204.5230% | 449 |
| Efficiency ratio | 55.2049% | 4,493 |
| Assets per employee ($millions) | 5.8909% | 1,600 |
| Cash dividends to net income (ytd only)* | 38.7056% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,569 |
| Loan loss allowance to noncurrent loans | 1,294.1718% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 3,649 |
| Noncurrent loans to loans | 0.0927% | 4,332 |
| Net loans and leases to total assets | 70.3941% | 2,510 |
| Net loans and leases to deposits | 82.5349% | 2,673 |
| Net loans and leases to core deposits | 84.5099% | 3,031 |
| Total domestic deposits to total assets | 85.2902% | 2,516 |
| Equity capital to assets | 11.3635% | 2,355 |
| Core capital (leverage) ratio | 11.7828% | 1,889 |
| Tier 1 risk-based capital ratio | 14.0856% | 3,255 |
| Total risk-based capital ratio | 15.1349% | 3,268 |
| Memoranda: | ||
| Average total assets | $1,902,606,800 | 431 |
| Average earning assets | $1,753,176,600 | 430 |
| Average equity | $214,272,600 | 429 |
| Average total loans | $1,345,113,000 | 431 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8800% | 4,257 |
| Cost of funding earning assets | 0.3821% | 3,984 |
| Net interest margin | 3.4979% | 3,705 |
| Noninterest income to average assets | 0.8954% | 1,217 |
| Noninterest expense to average assets | 2.3317% | 4,015 |
| Loan and lease loss provision to assets | -0.0283% | 5,259 |
| Net operating income to assets | 1.4849% | 1,238 |
| Return on assets (ROA) | 1.4823% | 1,241 |
| Pretax return on assets | 1.8118% | 990 |
| Return on Equity (ROE) | 13.1928% | 1,356 |
| Retained earnings to average equity (ytd only) | 8.1436% | 1,586 |
| Net charge-offs to loans | -0.0605% | 5,001 |
| Credit loss provision to net charge-offs | 66.3350% | 2,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6151% | 4,298 |
| Assets per employee ($millions) | 5.7075% | 1,732 |
| Cash dividends to net income (ytd only)* | 38.2725% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,369 |
| Loan loss allowance to noncurrent loans | 13,660.9756% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 4,002 |
| Noncurrent loans to loans | 0.0091% | 4,889 |
| Net loans and leases to total assets | 69.2423% | 2,770 |
| Net loans and leases to deposits | 81.7412% | 2,848 |
| Net loans and leases to core deposits | 83.1989% | 3,228 |
| Total domestic deposits to total assets | 84.7092% | 2,718 |
| Equity capital to assets | 11.3343% | 2,370 |
| Core capital (leverage) ratio | 11.5574% | 2,131 |
| Tier 1 risk-based capital ratio | 14.2816% | 3,224 |
| Total risk-based capital ratio | 15.3632% | 3,228 |
| Memoranda: | ||
| Average total assets | $1,884,894,500 | 432 |
| Average earning assets | $1,736,792,500 | 431 |
| Average equity | $211,777,500 | 430 |
| Average total loans | $1,329,873,000 | 436 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 4,323 |
| Cost of funding earning assets | 0.3483% | 4,084 |
| Net interest margin | 3.4608% | 3,763 |
| Noninterest income to average assets | 0.8738% | 1,260 |
| Noninterest expense to average assets | 2.3369% | 4,055 |
| Loan and lease loss provision to assets | -0.0427% | 5,370 |
| Net operating income to assets | 1.4505% | 1,277 |
| Return on assets (ROA) | 1.4474% | 1,288 |
| Pretax return on assets | 1.7617% | 1,068 |
| Return on Equity (ROE) | 12.9214% | 1,398 |
| Retained earnings to average equity (ytd only) | 8.0813% | 1,593 |
| Net charge-offs to loans | -0.0747% | 5,058 |
| Credit loss provision to net charge-offs | 80.8081% | 2,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5635% | 4,299 |
| Assets per employee ($millions) | 5.4230% | 1,971 |
| Cash dividends to net income (ytd only)* | 37.4576% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,390 |
| Loan loss allowance to noncurrent loans | 13,356.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 3,931 |
| Noncurrent loans to loans | 0.0094% | 4,913 |
| Net loans and leases to total assets | 70.0742% | 2,568 |
| Net loans and leases to deposits | 82.6192% | 2,700 |
| Net loans and leases to core deposits | 84.0093% | 3,081 |
| Total domestic deposits to total assets | 84.8159% | 2,745 |
| Equity capital to assets | 11.4106% | 2,258 |
| Core capital (leverage) ratio | 11.5845% | 1,998 |
| Tier 1 risk-based capital ratio | 14.0112% | 3,354 |
| Total risk-based capital ratio | 15.0876% | 3,352 |
| Memoranda: | ||
| Average total assets | $1,873,949,330 | 433 |
| Average earning assets | $1,725,074,670 | 433 |
| Average equity | $209,916,000 | 433 |
| Average total loans | $1,324,936,330 | 437 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,455 |
| Cost of funding earning assets | 0.3154% | 4,231 |
| Net interest margin | 3.3916% | 3,910 |
| Noninterest income to average assets | 0.7975% | 1,460 |
| Noninterest expense to average assets | 2.3116% | 4,171 |
| Loan and lease loss provision to assets | -0.0213% | 5,429 |
| Net operating income to assets | 1.3417% | 1,504 |
| Return on assets (ROA) | 1.3375% | 1,533 |
| Pretax return on assets | 1.6280% | 1,305 |
| Return on Equity (ROE) | 12.0521% | 1,564 |
| Retained earnings to average equity (ytd only) | 7.3243% | 2,135 |
| Net charge-offs to loans | -0.0529% | 4,995 |
| Credit loss provision to net charge-offs | 57.1429% | 1,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9182% | 4,230 |
| Assets per employee ($millions) | 5.5922% | 1,853 |
| Cash dividends to net income (ytd only)* | 39.2282% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,470 |
| Loan loss allowance to noncurrent loans | 5,146.6049% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 3,657 |
| Noncurrent loans to loans | 0.0244% | 4,870 |
| Net loans and leases to total assets | 70.2862% | 2,430 |
| Net loans and leases to deposits | 83.5263% | 2,450 |
| Net loans and leases to core deposits | 84.8203% | 2,908 |
| Total domestic deposits to total assets | 84.1486% | 3,265 |
| Equity capital to assets | 11.2328% | 2,362 |
| Core capital (leverage) ratio | 11.5016% | 2,013 |
| Tier 1 risk-based capital ratio | 13.8730% | 3,449 |
| Total risk-based capital ratio | 14.9615% | 3,445 |
| Memoranda: | ||
| Average total assets | $1,875,450,000 | 438 |
| Average earning assets | $1,728,491,000 | 432 |
| Average equity | $208,130,500 | 439 |
| Average total loans | $1,323,531,000 | 440 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,734 |
| Cost of funding earning assets | 0.2460% | 4,604 |
| Net interest margin | 3.2848% | 4,202 |
| Noninterest income to average assets | 0.9965% | 1,025 |
| Noninterest expense to average assets | 2.4323% | 3,981 |
| Loan and lease loss provision to assets | -0.0756% | 5,442 |
| Net operating income to assets | 0.9961% | 2,259 |
| Return on assets (ROA) | 0.9962% | 2,296 |
| Pretax return on assets | 1.6428% | 1,184 |
| Return on Equity (ROE) | 8.7626% | 2,426 |
| Retained earnings to average equity (ytd only) | 4.8896% | 2,197 |
| Net charge-offs to loans | -0.0773% | 5,308 |
| Credit loss provision to net charge-offs | 136.6397% | 1,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8161% | 4,138 |
| Assets per employee ($millions) | 5.5387% | 1,895 |
| Cash dividends to net income (ytd only)* | 44.1998% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 2,437 |
| Loan loss allowance to noncurrent loans | 4,202.5316% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.3263% | 3,570 |
| Noncurrent loans to loans | 0.0299% | 4,876 |
| Net loans and leases to total assets | 69.0908% | 2,668 |
| Net loans and leases to deposits | 82.3301% | 2,689 |
| Net loans and leases to core deposits | 83.6512% | 3,086 |
| Total domestic deposits to total assets | 83.9192% | 3,239 |
| Equity capital to assets | 10.9644% | 2,662 |
| Core capital (leverage) ratio | 11.5632% | 1,898 |
| Tier 1 risk-based capital ratio | 13.5380% | 3,608 |
| Total risk-based capital ratio | 14.6166% | 3,617 |
| Memoranda: | ||
| Average total assets | $1,786,849,800 | 445 |
| Average earning assets | $1,633,497,200 | 445 |
| Average equity | $203,146,800 | 435 |
| Average total loans | $1,278,036,000 | 435 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5267% | 4,752 |
| Cost of funding earning assets | 0.2342% | 4,714 |
| Net interest margin | 3.2925% | 4,194 |
| Noninterest income to average assets | 1.0259% | 969 |
| Noninterest expense to average assets | 2.4607% | 3,850 |
| Loan and lease loss provision to assets | -0.1022% | 5,587 |
| Net operating income to assets | 1.1526% | 1,871 |
| Return on assets (ROA) | 1.1528% | 1,919 |
| Pretax return on assets | 1.6722% | 1,189 |
| Return on Equity (ROE) | 10.0438% | 2,115 |
| Retained earnings to average equity (ytd only) | 6.2582% | 2,083 |
| Net charge-offs to loans | -0.0865% | 5,335 |
| Credit loss provision to net charge-offs | 164.2336% | 1,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0525% | 4,037 |
| Assets per employee ($millions) | 5.2368% | 2,187 |
| Cash dividends to net income (ytd only)* | 37.6912% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 2,347 |
| Loan loss allowance to noncurrent loans | 3,154.3186% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.3987% | 3,435 |
| Noncurrent loans to loans | 0.0413% | 4,929 |
| Net loans and leases to total assets | 69.1557% | 2,672 |
| Net loans and leases to deposits | 82.3823% | 2,733 |
| Net loans and leases to core deposits | 83.9395% | 3,130 |
| Total domestic deposits to total assets | 83.9449% | 3,147 |
| Equity capital to assets | 11.5180% | 2,347 |
| Core capital (leverage) ratio | 11.7164% | 1,871 |
| Tier 1 risk-based capital ratio | 13.9924% | 3,444 |
| Total risk-based capital ratio | 15.0990% | 3,443 |
| Memoranda: | ||
| Average total assets | $1,761,387,250 | 453 |
| Average earning assets | $1,607,375,000 | 451 |
| Average equity | $202,162,500 | 437 |
| Average total loans | $1,267,165,750 | 439 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5038% | 4,754 |
| Cost of funding earning assets | 0.2232% | 4,772 |
| Net interest margin | 3.2805% | 4,170 |
| Noninterest income to average assets | 1.0381% | 948 |
| Noninterest expense to average assets | 2.4831% | 3,798 |
| Loan and lease loss provision to assets | -0.1144% | 5,657 |
| Net operating income to assets | 1.1418% | 1,818 |
| Return on assets (ROA) | 1.1421% | 1,870 |
| Pretax return on assets | 1.6574% | 1,171 |
| Return on Equity (ROE) | 9.9627% | 2,053 |
| Retained earnings to average equity (ytd only) | 6.2699% | 1,980 |
| Net charge-offs to loans | -0.0958% | 5,395 |
| Credit loss provision to net charge-offs | 164.4737% | 1,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6808% | 4,051 |
| Assets per employee ($millions) | 5.0940% | 2,280 |
| Cash dividends to net income (ytd only)* | 37.0667% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3208% | 2,310 |
| Loan loss allowance to noncurrent loans | 2,473.1343% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 3,342 |
| Noncurrent loans to loans | 0.0534% | 4,920 |
| Net loans and leases to total assets | 70.4423% | 2,458 |
| Net loans and leases to deposits | 84.4670% | 2,410 |
| Net loans and leases to core deposits | 85.6116% | 2,917 |
| Total domestic deposits to total assets | 83.3962% | 3,430 |
| Equity capital to assets | 11.6203% | 2,215 |
| Core capital (leverage) ratio | 11.8709% | 1,712 |
| Tier 1 risk-based capital ratio | 13.8929% | 3,479 |
| Total risk-based capital ratio | 15.0188% | 3,470 |
| Memoranda: | ||
| Average total assets | $1,748,035,000 | 461 |
| Average earning assets | $1,592,006,000 | 458 |
| Average equity | $200,386,670 | 438 |
| Average total loans | $1,268,809,000 | 439 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4944% | 4,708 |
| Cost of funding earning assets | 0.2178% | 4,818 |
| Net interest margin | 3.2766% | 4,093 |
| Noninterest income to average assets | 0.9875% | 1,028 |
| Noninterest expense to average assets | 2.4755% | 3,894 |
| Loan and lease loss provision to assets | -0.1147% | 5,756 |
| Net operating income to assets | 1.1089% | 1,831 |
| Return on assets (ROA) | 1.1094% | 1,870 |
| Pretax return on assets | 1.6068% | 1,215 |
| Return on Equity (ROE) | 9.7445% | 2,085 |
| Retained earnings to average equity (ytd only) | 6.1571% | 2,247 |
| Net charge-offs to loans | -0.0734% | 5,341 |
| Credit loss provision to net charge-offs | 213.6752% | 975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4038% | 4,094 |
| Assets per employee ($millions) | 5.1542% | 2,236 |
| Cash dividends to net income (ytd only)* | 36.8149% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 2,459 |
| Loan loss allowance to noncurrent loans | 4,163.5910% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 2,510 |
| Noncurrent loans to loans | 0.0316% | 5,084 |
| Net loans and leases to total assets | 71.6658% | 2,118 |
| Net loans and leases to deposits | 87.0467% | 1,905 |
| Net loans and leases to core deposits | 88.1536% | 2,532 |
| Total domestic deposits to total assets | 82.3303% | 4,078 |
| Equity capital to assets | 11.4689% | 2,201 |
| Core capital (leverage) ratio | 11.7854% | 1,760 |
| Tier 1 risk-based capital ratio | 13.5996% | 3,721 |
| Total risk-based capital ratio | 14.7286% | 3,702 |
| Memoranda: | ||
| Average total assets | $1,743,341,500 | 466 |
| Average earning assets | $1,585,183,000 | 462 |
| Average equity | $198,471,000 | 443 |
| Average total loans | $1,275,944,000 | 441 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 4,924 |
| Cost of funding earning assets | 0.2258% | 4,776 |
| Net interest margin | 3.2038% | 4,448 |
| Noninterest income to average assets | 1.1043% | 940 |
| Noninterest expense to average assets | 2.6597% | 3,489 |
| Loan and lease loss provision to assets | -0.0801% | 5,660 |
| Net operating income to assets | 1.0239% | 2,244 |
| Return on assets (ROA) | 1.0292% | 2,329 |
| Pretax return on assets | 1.4438% | 1,770 |
| Return on Equity (ROE) | 9.0046% | 2,411 |
| Retained earnings to average equity (ytd only) | 5.7840% | 1,835 |
| Net charge-offs to loans | -0.1000% | 5,597 |
| Credit loss provision to net charge-offs | 109.6669% | 2,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2276% | 3,562 |
| Assets per employee ($millions) | 5.0712% | 2,311 |
| Cash dividends to net income (ytd only)* | 35.7658% | 3,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 2,420 |
| Loan loss allowance to noncurrent loans | 5,654.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.7217% | 2,565 |
| Noncurrent loans to loans | 0.0234% | 5,174 |
| Net loans and leases to total assets | 72.7852% | 2,044 |
| Net loans and leases to deposits | 87.0563% | 2,042 |
| Net loans and leases to core deposits | 88.1087% | 2,661 |
| Total domestic deposits to total assets | 83.6070% | 3,567 |
| Equity capital to assets | 11.2997% | 2,328 |
| Core capital (leverage) ratio | 11.6898% | 1,797 |
| Tier 1 risk-based capital ratio | 13.3490% | 3,859 |
| Total risk-based capital ratio | 14.4927% | 3,842 |
| Memoranda: | ||
| Average total assets | $1,684,393,800 | 461 |
| Average earning assets | $1,530,799,600 | 457 |
| Average equity | $192,513,000 | 442 |
| Average total loans | $1,230,706,800 | 434 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4257% | 4,969 |
| Cost of funding earning assets | 0.2329% | 4,766 |
| Net interest margin | 3.1928% | 4,509 |
| Noninterest income to average assets | 1.0924% | 949 |
| Noninterest expense to average assets | 2.6649% | 3,447 |
| Loan and lease loss provision to assets | -0.0878% | 5,774 |
| Net operating income to assets | 1.0207% | 2,327 |
| Return on assets (ROA) | 1.0264% | 2,439 |
| Pretax return on assets | 1.4242% | 1,952 |
| Return on Equity (ROE) | 8.9541% | 2,513 |
| Retained earnings to average equity (ytd only) | 5.7515% | 2,324 |
| Net charge-offs to loans | -0.0948% | 5,558 |
| Credit loss provision to net charge-offs | 127.0208% | 2,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7319% | 3,464 |
| Assets per employee ($millions) | 4.8871% | 2,510 |
| Cash dividends to net income (ytd only)* | 35.7671% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 2,387 |
| Loan loss allowance to noncurrent loans | 7,230.4721% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.8078% | 2,522 |
| Noncurrent loans to loans | 0.0188% | 5,320 |
| Net loans and leases to total assets | 73.9510% | 1,874 |
| Net loans and leases to deposits | 89.5580% | 1,815 |
| Net loans and leases to core deposits | 90.6957% | 2,510 |
| Total domestic deposits to total assets | 82.5733% | 3,752 |
| Equity capital to assets | 11.8941% | 2,187 |
| Core capital (leverage) ratio | 11.6364% | 1,930 |
| Tier 1 risk-based capital ratio | 13.7130% | 3,734 |
| Total risk-based capital ratio | 14.8981% | 3,683 |
| Memoranda: | ||
| Average total assets | $1,670,640,250 | 465 |
| Average earning assets | $1,518,006,750 | 463 |
| Average equity | $191,504,250 | 446 |
| Average total loans | $1,217,635,250 | 440 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 5,103 |
| Cost of funding earning assets | 0.2360% | 4,792 |
| Net interest margin | 3.1536% | 4,681 |
| Noninterest income to average assets | 1.0419% | 1,030 |
| Noninterest expense to average assets | 2.6669% | 3,493 |
| Loan and lease loss provision to assets | -0.1014% | 5,878 |
| Net operating income to assets | 0.9392% | 2,679 |
| Return on assets (ROA) | 0.9475% | 2,777 |
| Pretax return on assets | 1.3600% | 2,165 |
| Return on Equity (ROE) | 8.3688% | 2,809 |
| Retained earnings to average equity (ytd only) | 5.2084% | 2,597 |
| Net charge-offs to loans | -0.1203% | 5,679 |
| Credit loss provision to net charge-offs | 116.7582% | 1,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1426% | 3,317 |
| Assets per employee ($millions) | 4.8391% | 2,499 |
| Cash dividends to net income (ytd only)* | 37.7644% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 2,307 |
| Loan loss allowance to noncurrent loans | 4,845.4286% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.8660% | 2,429 |
| Noncurrent loans to loans | 0.0289% | 5,353 |
| Net loans and leases to total assets | 71.8489% | 2,194 |
| Net loans and leases to deposits | 87.9321% | 2,006 |
| Net loans and leases to core deposits | 89.0345% | 2,637 |
| Total domestic deposits to total assets | 81.7096% | 4,087 |
| Equity capital to assets | 11.5914% | 2,452 |
| Core capital (leverage) ratio | 11.6053% | 1,906 |
| Tier 1 risk-based capital ratio | 13.5923% | 3,841 |
| Total risk-based capital ratio | 14.7962% | 3,784 |
| Memoranda: | ||
| Average total assets | $1,676,903,000 | 464 |
| Average earning assets | $1,527,099,000 | 459 |
| Average equity | $189,848,000 | 450 |
| Average total loans | $1,210,711,000 | 438 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3925% | 5,145 |
| Cost of funding earning assets | 0.2360% | 4,849 |
| Net interest margin | 3.1565% | 4,713 |
| Noninterest income to average assets | 1.0638% | 959 |
| Noninterest expense to average assets | 2.6944% | 3,435 |
| Loan and lease loss provision to assets | -0.0238% | 5,915 |
| Net operating income to assets | 0.8983% | 2,762 |
| Return on assets (ROA) | 0.9133% | 2,798 |
| Pretax return on assets | 1.2908% | 2,347 |
| Return on Equity (ROE) | 8.1638% | 2,823 |
| Retained earnings to average equity (ytd only) | 4.9773% | 2,957 |
| Net charge-offs to loans | -0.0489% | 5,314 |
| Credit loss provision to net charge-offs | 67.5676% | 1,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3817% | 3,401 |
| Assets per employee ($millions) | 4.8327% | 2,531 |
| Cash dividends to net income (ytd only)* | 39.0320% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 2,396 |
| Loan loss allowance to noncurrent loans | 4,011.4754% | 188 |
| Noncurrent assets plus other real estate owned to assets | 1.0126% | 2,184 |
| Noncurrent loans to loans | 0.0350% | 5,355 |
| Net loans and leases to total assets | 73.3282% | 1,828 |
| Net loans and leases to deposits | 89.2772% | 1,665 |
| Net loans and leases to core deposits | 90.5061% | 2,320 |
| Total domestic deposits to total assets | 82.1354% | 4,179 |
| Equity capital to assets | 11.5886% | 2,363 |
| Core capital (leverage) ratio | 11.3758% | 2,073 |
| Tier 1 risk-based capital ratio | 13.4199% | 4,035 |
| Total risk-based capital ratio | 14.6374% | 3,968 |
| Memoranda: | ||
| Average total assets | $1,683,036,500 | 461 |
| Average earning assets | $1,533,716,500 | 455 |
| Average equity | $188,295,000 | 449 |
| Average total loans | $1,209,575,500 | 437 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3440% | 5,268 |
| Cost of funding earning assets | 0.2692% | 4,594 |
| Net interest margin | 3.0748% | 4,962 |
| Noninterest income to average assets | 0.9755% | 1,247 |
| Noninterest expense to average assets | 2.7282% | 3,489 |
| Loan and lease loss provision to assets | -0.2136% | 5,997 |
| Net operating income to assets | 0.8505% | 3,113 |
| Return on assets (ROA) | 0.8559% | 3,156 |
| Pretax return on assets | 1.2398% | 2,508 |
| Return on Equity (ROE) | 7.7070% | 3,132 |
| Retained earnings to average equity (ytd only) | 4.8938% | 2,498 |
| Net charge-offs to loans | -0.1398% | 5,874 |
| Credit loss provision to net charge-offs | 216.1828% | 1,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8200% | 2,769 |
| Assets per employee ($millions) | 5.0373% | 2,326 |
| Cash dividends to net income (ytd only)* | 36.5010% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4226% | 2,319 |
| Loan loss allowance to noncurrent loans | 2,259.3915% | 299 |
| Noncurrent assets plus other real estate owned to assets | 1.0608% | 2,064 |
| Noncurrent loans to loans | 0.0630% | 5,263 |
| Net loans and leases to total assets | 68.5047% | 2,623 |
| Net loans and leases to deposits | 82.1775% | 2,569 |
| Net loans and leases to core deposits | 83.1672% | 3,034 |
| Total domestic deposits to total assets | 83.3619% | 3,725 |
| Equity capital to assets | 10.8078% | 3,021 |
| Core capital (leverage) ratio | 11.2398% | 2,168 |
| Tier 1 risk-based capital ratio | 13.2165% | 4,159 |
| Total risk-based capital ratio | 14.4277% | 4,109 |
| Memoranda: | ||
| Average total assets | $1,638,793,200 | 443 |
| Average earning assets | $1,476,854,200 | 440 |
| Average equity | $182,004,200 | 448 |
| Average total loans | $1,158,025,600 | 427 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3668% | 5,283 |
| Cost of funding earning assets | 0.2815% | 4,541 |
| Net interest margin | 3.0854% | 4,997 |
| Noninterest income to average assets | 1.0633% | 1,058 |
| Noninterest expense to average assets | 2.7738% | 3,293 |
| Loan and lease loss provision to assets | -0.1443% | 6,055 |
| Net operating income to assets | 0.8327% | 3,270 |
| Return on assets (ROA) | 0.8395% | 3,308 |
| Pretax return on assets | 1.2157% | 2,751 |
| Return on Equity (ROE) | 7.5048% | 3,333 |
| Retained earnings to average equity (ytd only) | 4.7029% | 3,124 |
| Net charge-offs to loans | -0.1168% | 5,843 |
| Credit loss provision to net charge-offs | 174.1294% | 1,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3216% | 2,824 |
| Assets per employee ($millions) | 4.7634% | 2,607 |
| Cash dividends to net income (ytd only)* | 37.3354% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 2,055 |
| Loan loss allowance to noncurrent loans | 432.6051% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 1.8027% | 1,189 |
| Noncurrent loans to loans | 0.3522% | 4,350 |
| Net loans and leases to total assets | 71.0378% | 2,226 |
| Net loans and leases to deposits | 85.8294% | 2,163 |
| Net loans and leases to core deposits | 86.8140% | 2,770 |
| Total domestic deposits to total assets | 82.7662% | 3,894 |
| Equity capital to assets | 11.1199% | 2,888 |
| Core capital (leverage) ratio | 11.0301% | 2,453 |
| Tier 1 risk-based capital ratio | 12.9826% | 4,433 |
| Total risk-based capital ratio | 14.2335% | 4,361 |
| Memoranda: | ||
| Average total assets | $1,616,540,750 | 450 |
| Average earning assets | $1,452,400,250 | 448 |
| Average equity | $180,821,000 | 453 |
| Average total loans | $1,147,355,000 | 435 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3759% | 5,281 |
| Cost of funding earning assets | 0.2918% | 4,486 |
| Net interest margin | 3.0841% | 5,003 |
| Noninterest income to average assets | 1.0345% | 1,110 |
| Noninterest expense to average assets | 2.7852% | 3,291 |
| Loan and lease loss provision to assets | -0.1872% | 6,174 |
| Net operating income to assets | 0.8284% | 3,224 |
| Return on assets (ROA) | 0.8355% | 3,310 |
| Pretax return on assets | 1.2111% | 2,725 |
| Return on Equity (ROE) | 7.4544% | 3,344 |
| Retained earnings to average equity (ytd only) | 4.6935% | 3,055 |
| Net charge-offs to loans | -0.1271% | 5,869 |
| Credit loss provision to net charge-offs | 208.6231% | 1,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3182% | 2,781 |
| Assets per employee ($millions) | 4.6445% | 2,753 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6017% | 1,907 |
| Loan loss allowance to noncurrent loans | 489.2626% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 1.8573% | 1,232 |
| Noncurrent loans to loans | 0.3274% | 4,521 |
| Net loans and leases to total assets | 69.1064% | 2,466 |
| Net loans and leases to deposits | 83.8010% | 2,335 |
| Net loans and leases to core deposits | 85.0589% | 2,873 |
| Total domestic deposits to total assets | 82.4649% | 4,135 |
| Equity capital to assets | 11.2277% | 2,643 |
| Core capital (leverage) ratio | 11.3759% | 2,091 |
| Tier 1 risk-based capital ratio | 13.4388% | 4,254 |
| Total risk-based capital ratio | 14.6900% | 4,185 |
| Memoranda: | ||
| Average total assets | $1,602,838,330 | 452 |
| Average earning assets | $1,436,603,670 | 453 |
| Average equity | $179,651,670 | 458 |
| Average total loans | $1,131,215,670 | 440 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 5,301 |
| Cost of funding earning assets | 0.2894% | 4,556 |
| Net interest margin | 3.0726% | 5,022 |
| Noninterest income to average assets | 0.9408% | 1,264 |
| Noninterest expense to average assets | 2.8143% | 3,202 |
| Loan and lease loss provision to assets | -0.2506% | 6,288 |
| Net operating income to assets | 0.7786% | 3,372 |
| Return on assets (ROA) | 0.7929% | 3,434 |
| Pretax return on assets | 1.1488% | 2,872 |
| Return on Equity (ROE) | 7.0806% | 3,463 |
| Retained earnings to average equity (ytd only) | 4.3952% | 3,386 |
| Net charge-offs to loans | -0.2543% | 6,109 |
| Credit loss provision to net charge-offs | 139.2758% | 1,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2338% | 2,478 |
| Assets per employee ($millions) | 4.5696% | 2,940 |
| Cash dividends to net income (ytd only)* | 37.9267% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6419% | 1,918 |
| Loan loss allowance to noncurrent loans | 190.3985% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 2.2909% | 983 |
| Noncurrent loans to loans | 0.8624% | 3,091 |
| Net loans and leases to total assets | 69.5681% | 2,196 |
| Net loans and leases to deposits | 84.4224% | 2,015 |
| Net loans and leases to core deposits | 86.3194% | 2,512 |
| Total domestic deposits to total assets | 82.4047% | 4,379 |
| Equity capital to assets | 11.2013% | 2,753 |
| Core capital (leverage) ratio | 11.5655% | 1,951 |
| Tier 1 risk-based capital ratio | 13.3141% | 4,424 |
| Total risk-based capital ratio | 14.5663% | 4,337 |
| Memoranda: | ||
| Average total assets | $1,596,115,000 | 454 |
| Average earning assets | $1,429,019,000 | 452 |
| Average equity | $178,742,000 | 461 |
| Average total loans | $1,129,254,500 | 439 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 5,278 |
| Cost of funding earning assets | 0.3207% | 4,571 |
| Net interest margin | 3.1962% | 4,932 |
| Noninterest income to average assets | 0.9992% | 1,217 |
| Noninterest expense to average assets | 2.9288% | 3,054 |
| Loan and lease loss provision to assets | -0.2215% | 6,308 |
| Net operating income to assets | 0.7704% | 3,517 |
| Return on assets (ROA) | 0.7739% | 3,596 |
| Pretax return on assets | 1.1201% | 3,007 |
| Return on Equity (ROE) | 6.7800% | 3,750 |
| Retained earnings to average equity (ytd only) | 4.4051% | 3,044 |
| Net charge-offs to loans | -0.1429% | 6,200 |
| Credit loss provision to net charge-offs | 221.2682% | 1,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6211% | 2,422 |
| Assets per employee ($millions) | 4.4487% | 3,122 |
| Cash dividends to net income (ytd only)* | 35.0278% | 3,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,794 |
| Loan loss allowance to noncurrent loans | 225.0415% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 2.3153% | 1,029 |
| Noncurrent loans to loans | 0.7518% | 3,447 |
| Net loans and leases to total assets | 69.5740% | 2,294 |
| Net loans and leases to deposits | 84.1848% | 2,192 |
| Net loans and leases to core deposits | 85.9980% | 2,687 |
| Total domestic deposits to total assets | 82.6444% | 4,201 |
| Equity capital to assets | 11.1958% | 2,700 |
| Core capital (leverage) ratio | 11.4136% | 2,051 |
| Tier 1 risk-based capital ratio | 14.0186% | 4,077 |
| Total risk-based capital ratio | 15.2724% | 4,005 |
| Memoranda: | ||
| Average total assets | $1,512,555,000 | 458 |
| Average earning assets | $1,336,068,000 | 478 |
| Average equity | $172,639,400 | 458 |
| Average total loans | $1,059,211,600 | 436 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5614% | 5,238 |
| Cost of funding earning assets | 0.3297% | 4,568 |
| Net interest margin | 3.2317% | 4,849 |
| Noninterest income to average assets | 0.9969% | 1,234 |
| Noninterest expense to average assets | 2.9158% | 3,069 |
| Loan and lease loss provision to assets | -0.2453% | 6,424 |
| Net operating income to assets | 0.8075% | 3,402 |
| Return on assets (ROA) | 0.8106% | 3,476 |
| Pretax return on assets | 1.1778% | 2,872 |
| Return on Equity (ROE) | 7.0665% | 3,682 |
| Retained earnings to average equity (ytd only) | 4.8116% | 3,208 |
| Net charge-offs to loans | -0.2019% | 6,314 |
| Credit loss provision to net charge-offs | 173.9405% | 1,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8586% | 2,511 |
| Assets per employee ($millions) | 4.2169% | 3,446 |
| Cash dividends to net income (ytd only)* | 31.9102% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 1,551 |
| Loan loss allowance to noncurrent loans | 232.9852% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 2.4982% | 1,055 |
| Noncurrent loans to loans | 0.7981% | 3,590 |
| Net loans and leases to total assets | 69.6007% | 2,256 |
| Net loans and leases to deposits | 85.0187% | 2,024 |
| Net loans and leases to core deposits | 86.9299% | 2,553 |
| Total domestic deposits to total assets | 81.8652% | 4,526 |
| Equity capital to assets | 11.7829% | 2,235 |
| Core capital (leverage) ratio | 11.3790% | 2,152 |
| Tier 1 risk-based capital ratio | 14.7487% | 3,731 |
| Total risk-based capital ratio | 16.0044% | 3,672 |
| Memoranda: | ||
| Average total assets | $1,494,760,000 | 461 |
| Average earning assets | $1,316,765,000 | 479 |
| Average equity | $171,471,250 | 454 |
| Average total loans | $1,043,807,000 | 441 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5762% | 5,217 |
| Cost of funding earning assets | 0.3374% | 4,567 |
| Net interest margin | 3.2388% | 4,812 |
| Noninterest income to average assets | 0.9793% | 1,259 |
| Noninterest expense to average assets | 2.9235% | 3,087 |
| Loan and lease loss provision to assets | -0.2672% | 6,515 |
| Net operating income to assets | 0.8010% | 3,328 |
| Return on assets (ROA) | 0.8057% | 3,403 |
| Pretax return on assets | 1.1733% | 2,787 |
| Return on Equity (ROE) | 7.0874% | 3,582 |
| Retained earnings to average equity (ytd only) | 4.8542% | 3,051 |
| Net charge-offs to loans | -0.2406% | 6,385 |
| Credit loss provision to net charge-offs | 159.8721% | 1,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4768% | 2,540 |
| Assets per employee ($millions) | 4.2672% | 3,338 |
| Cash dividends to net income (ytd only)* | 31.5091% | 2,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 1,533 |
| Loan loss allowance to noncurrent loans | 248.5927% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 2.6583% | 1,012 |
| Noncurrent loans to loans | 0.7718% | 3,776 |
| Net loans and leases to total assets | 68.8198% | 2,273 |
| Net loans and leases to deposits | 84.1177% | 2,025 |
| Net loans and leases to core deposits | 85.8147% | 2,532 |
| Total domestic deposits to total assets | 81.8137% | 4,712 |
| Equity capital to assets | 11.6203% | 2,307 |
| Core capital (leverage) ratio | 11.2571% | 2,189 |
| Tier 1 risk-based capital ratio | 14.8065% | 3,752 |
| Total risk-based capital ratio | 16.0633% | 3,687 |
| Memoranda: | ||
| Average total assets | $1,496,819,330 | 458 |
| Average earning assets | $1,314,114,670 | 477 |
| Average equity | $170,162,330 | 455 |
| Average total loans | $1,039,845,000 | 440 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 5,047 |
| Cost of funding earning assets | 0.3558% | 4,483 |
| Net interest margin | 3.2809% | 4,618 |
| Noninterest income to average assets | 0.9807% | 1,172 |
| Noninterest expense to average assets | 2.9860% | 2,912 |
| Loan and lease loss provision to assets | -0.2666% | 6,605 |
| Net operating income to assets | 0.7829% | 3,237 |
| Return on assets (ROA) | 0.7847% | 3,305 |
| Pretax return on assets | 1.1425% | 2,727 |
| Return on Equity (ROE) | 6.9797% | 3,482 |
| Retained earnings to average equity (ytd only) | 4.8460% | 3,206 |
| Net charge-offs to loans | -0.2256% | 6,419 |
| Credit loss provision to net charge-offs | 170.9402% | 1,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3726% | 2,579 |
| Assets per employee ($millions) | 4.1895% | 3,553 |
| Cash dividends to net income (ytd only)* | 30.5707% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 1,553 |
| Loan loss allowance to noncurrent loans | 131.0972% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 3.3339% | 793 |
| Noncurrent loans to loans | 1.5091% | 2,530 |
| Net loans and leases to total assets | 67.9050% | 2,235 |
| Net loans and leases to deposits | 82.8064% | 1,972 |
| Net loans and leases to core deposits | 84.5695% | 2,455 |
| Total domestic deposits to total assets | 82.0045% | 4,943 |
| Equity capital to assets | 11.4400% | 2,298 |
| Core capital (leverage) ratio | 10.9933% | 2,396 |
| Tier 1 risk-based capital ratio | 14.7424% | 3,860 |
| Total risk-based capital ratio | 15.9997% | 3,803 |
| Memoranda: | ||
| Average total assets | $1,500,611,000 | 458 |
| Average earning assets | $1,316,586,000 | 472 |
| Average equity | $168,717,000 | 457 |
| Average total loans | $1,037,298,500 | 441 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 5,277 |
| Cost of funding earning assets | 0.4334% | 4,278 |
| Net interest margin | 3.2162% | 4,944 |
| Noninterest income to average assets | 0.9315% | 1,579 |
| Noninterest expense to average assets | 2.9890% | 3,083 |
| Loan and lease loss provision to assets | -0.2795% | 6,665 |
| Net operating income to assets | 0.7126% | 3,737 |
| Return on assets (ROA) | 0.7180% | 3,792 |
| Pretax return on assets | 1.0473% | 3,162 |
| Return on Equity (ROE) | 6.5298% | 3,813 |
| Retained earnings to average equity (ytd only) | 3.5397% | 3,701 |
| Net charge-offs to loans | -0.1256% | 6,531 |
| Credit loss provision to net charge-offs | 324.6753% | 713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7288% | 2,192 |
| Assets per employee ($millions) | 4.1822% | 3,482 |
| Cash dividends to net income (ytd only)* | 45.7917% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 1,573 |
| Loan loss allowance to noncurrent loans | 168.6096% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 3.2452% | 938 |
| Noncurrent loans to loans | 1.1812% | 3,182 |
| Net loans and leases to total assets | 67.6036% | 2,421 |
| Net loans and leases to deposits | 81.7720% | 2,209 |
| Net loans and leases to core deposits | 83.4645% | 2,727 |
| Total domestic deposits to total assets | 82.6733% | 4,651 |
| Equity capital to assets | 11.0499% | 2,568 |
| Core capital (leverage) ratio | 10.4522% | 2,961 |
| Tier 1 risk-based capital ratio | 14.1936% | 4,157 |
| Total risk-based capital ratio | 15.4512% | 4,096 |
| Memoranda: | ||
| Average total assets | $1,520,727,600 | 449 |
| Average earning assets | $1,332,178,600 | 464 |
| Average equity | $167,218,400 | 446 |
| Average total loans | $1,041,794,200 | 420 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 5,265 |
| Cost of funding earning assets | 0.4357% | 4,446 |
| Net interest margin | 3.2287% | 4,904 |
| Noninterest income to average assets | 0.9291% | 1,663 |
| Noninterest expense to average assets | 2.9754% | 3,064 |
| Loan and lease loss provision to assets | -0.2846% | 6,768 |
| Net operating income to assets | 0.7290% | 3,709 |
| Return on assets (ROA) | 0.7338% | 3,811 |
| Pretax return on assets | 1.0741% | 3,212 |
| Return on Equity (ROE) | 6.6817% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.6817% | 2,049 |
| Net charge-offs to loans | -0.1003% | 6,498 |
| Credit loss provision to net charge-offs | 415.0702% | 644 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1769% | 2,237 |
| Assets per employee ($millions) | 4.2800% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0617% | 1,588 |
| Loan loss allowance to noncurrent loans | 208.1409% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 3.4030% | 1,009 |
| Noncurrent loans to loans | 0.9905% | 3,829 |
| Net loans and leases to total assets | 64.8624% | 2,831 |
| Net loans and leases to deposits | 78.1759% | 2,639 |
| Net loans and leases to core deposits | 79.8157% | 3,149 |
| Total domestic deposits to total assets | 82.9698% | 4,581 |
| Equity capital to assets | 10.9244% | 2,837 |
| Core capital (leverage) ratio | 10.7967% | 2,673 |
| Tier 1 risk-based capital ratio | 14.6391% | 3,992 |
| Total risk-based capital ratio | 15.8975% | 3,933 |
| Memoranda: | ||
| Average total assets | $1,522,418,500 | 454 |
| Average earning assets | $1,333,828,500 | 465 |
| Average equity | $167,200,000 | 450 |
| Average total loans | $1,041,169,750 | 419 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 5,017 |
| Cost of funding earning assets | 0.4480% | 4,450 |
| Net interest margin | 3.2938% | 4,610 |
| Noninterest income to average assets | 1.0227% | 1,460 |
| Noninterest expense to average assets | 3.0186% | 2,938 |
| Loan and lease loss provision to assets | -0.2317% | 6,802 |
| Net operating income to assets | 0.7612% | 3,509 |
| Return on assets (ROA) | 0.7684% | 3,634 |
| Pretax return on assets | 1.1298% | 2,977 |
| Return on Equity (ROE) | 6.9843% | 3,608 |
| Retained earnings to average equity (ytd only) | 6.9843% | 1,902 |
| Net charge-offs to loans | -0.0496% | 6,265 |
| Credit loss provision to net charge-offs | 675.6757% | 436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2795% | 2,578 |
| Assets per employee ($millions) | 4.0895% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1867% | 1,452 |
| Loan loss allowance to noncurrent loans | 206.4971% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 3.8459% | 937 |
| Noncurrent loans to loans | 1.0589% | 3,817 |
| Net loans and leases to total assets | 67.5986% | 2,325 |
| Net loans and leases to deposits | 82.3198% | 2,020 |
| Net loans and leases to core deposits | 83.9584% | 2,569 |
| Total domestic deposits to total assets | 82.1171% | 5,018 |
| Equity capital to assets | 11.3843% | 2,393 |
| Core capital (leverage) ratio | 10.7188% | 2,651 |
| Tier 1 risk-based capital ratio | 14.5386% | 4,078 |
| Total risk-based capital ratio | 15.7985% | 4,045 |
| Memoranda: | ||
| Average total assets | $1,510,585,000 | 453 |
| Average earning assets | $1,322,371,000 | 465 |
| Average equity | $166,202,330 | 458 |
| Average total loans | $1,044,301,000 | 412 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 5,132 |
| Cost of funding earning assets | 0.4582% | 4,502 |
| Net interest margin | 3.2504% | 4,733 |
| Noninterest income to average assets | 1.0135% | 1,438 |
| Noninterest expense to average assets | 2.9769% | 3,065 |
| Loan and lease loss provision to assets | -0.1961% | 6,894 |
| Net operating income to assets | 0.7354% | 3,508 |
| Return on assets (ROA) | 0.7389% | 3,621 |
| Pretax return on assets | 1.0872% | 3,007 |
| Return on Equity (ROE) | 6.8301% | 3,579 |
| Retained earnings to average equity (ytd only) | 6.8301% | 2,235 |
| Net charge-offs to loans | -0.1883% | 6,668 |
| Credit loss provision to net charge-offs | 150.6024% | 1,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0663% | 2,750 |
| Assets per employee ($millions) | 4.1178% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2263% | 1,533 |
| Loan loss allowance to noncurrent loans | 165.7048% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 4.3757% | 862 |
| Noncurrent loans to loans | 1.3435% | 3,549 |
| Net loans and leases to total assets | 68.6286% | 1,901 |
| Net loans and leases to deposits | 83.1202% | 1,690 |
| Net loans and leases to core deposits | 84.7564% | 2,238 |
| Total domestic deposits to total assets | 82.5655% | 5,001 |
| Equity capital to assets | 11.1030% | 2,842 |
| Core capital (leverage) ratio | 10.3480% | 2,971 |
| Tier 1 risk-based capital ratio | 13.7140% | 4,711 |
| Total risk-based capital ratio | 14.9761% | 4,669 |
| Memoranda: | ||
| Average total assets | $1,529,773,500 | 454 |
| Average earning assets | $1,341,016,500 | 459 |
| Average equity | $165,503,500 | 465 |
| Average total loans | $1,057,731,500 | 409 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 4,174 |
| Cost of funding earning assets | 0.6082% | 4,265 |
| Net interest margin | 3.6958% | 3,665 |
| Noninterest income to average assets | 0.6730% | 2,866 |
| Noninterest expense to average assets | 3.1214% | 2,867 |
| Loan and lease loss provision to assets | -0.4672% | 7,038 |
| Net operating income to assets | 2.3185% | 204 |
| Return on assets (ROA) | 2.3233% | 220 |
| Pretax return on assets | 1.2601% | 2,568 |
| Return on Equity (ROE) | 24.9362% | 130 |
| Retained earnings to average equity (ytd only) | 24.9362% | 31 |
| Net charge-offs to loans | 0.0760% | 4,918 |
| Credit loss provision to net charge-offs | -885.2868% | 6,577 |
| Earnings coverage of net charge-offs (x) | 14.9327% | 1,690 |
| Efficiency ratio | 79.7337% | 2,178 |
| Assets per employee ($millions) | 4.2645% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2385% | 1,485 |
| Loan loss allowance to noncurrent loans | 148.3409% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 4.3420% | 964 |
| Noncurrent loans to loans | 1.5090% | 3,341 |
| Net loans and leases to total assets | 66.6057% | 2,436 |
| Net loans and leases to deposits | 79.9923% | 2,280 |
| Net loans and leases to core deposits | 81.6125% | 2,808 |
| Total domestic deposits to total assets | 83.2651% | 4,616 |
| Equity capital to assets | 10.5445% | 3,476 |
| Core capital (leverage) ratio | 10.2763% | 3,042 |
| Tier 1 risk-based capital ratio | 13.2856% | 4,911 |
| Total risk-based capital ratio | 14.5485% | 4,844 |
| Memoranda: | ||
| Average total assets | $1,519,586,600 | 448 |
| Average earning assets | $1,330,752,000 | 458 |
| Average equity | $141,581,200 | 514 |
| Average total loans | $1,054,963,800 | 406 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 3,762 |
| Cost of funding earning assets | 0.6534% | 4,165 |
| Net interest margin | 3.8110% | 3,291 |
| Noninterest income to average assets | 0.6605% | 2,930 |
| Noninterest expense to average assets | 3.1538% | 2,705 |
| Loan and lease loss provision to assets | -0.5826% | 7,150 |
| Net operating income to assets | 1.4010% | 1,218 |
| Return on assets (ROA) | 1.4073% | 1,327 |
| Pretax return on assets | 1.4316% | 2,142 |
| Return on Equity (ROE) | 15.6354% | 794 |
| Retained earnings to average equity (ytd only) | 15.6354% | 204 |
| Net charge-offs to loans | -0.1557% | 6,947 |
| Credit loss provision to net charge-offs | 536.5854% | 500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7762% | 2,269 |
| Assets per employee ($millions) | 4.1635% | 3,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5500% | 1,144 |
| Loan loss allowance to noncurrent loans | 151.3132% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 4.9580% | 907 |
| Noncurrent loans to loans | 1.6852% | 3,267 |
| Net loans and leases to total assets | 66.2465% | 2,609 |
| Net loans and leases to deposits | 80.0172% | 2,388 |
| Net loans and leases to core deposits | 81.8509% | 2,981 |
| Total domestic deposits to total assets | 82.7903% | 4,725 |
| Equity capital to assets | 9.5625% | 5,121 |
| Core capital (leverage) ratio | 9.5028% | 4,265 |
| Tier 1 risk-based capital ratio | 13.0824% | 5,183 |
| Total risk-based capital ratio | 14.3499% | 5,132 |
| Memoranda: | ||
| Average total assets | $1,510,350,000 | 446 |
| Average earning assets | $1,322,035,250 | 457 |
| Average equity | $135,944,500 | 533 |
| Average total loans | $1,053,585,250 | 407 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 4,759 |
| Cost of funding earning assets | 0.6885% | 4,108 |
| Net interest margin | 3.5625% | 4,409 |
| Noninterest income to average assets | 0.5442% | 3,622 |
| Noninterest expense to average assets | 3.2045% | 2,569 |
| Loan and lease loss provision to assets | -0.7093% | 7,218 |
| Net operating income to assets | 1.1596% | 1,850 |
| Return on assets (ROA) | 1.1674% | 2,026 |
| Pretax return on assets | 1.1674% | 3,053 |
| Return on Equity (ROE) | 13.2469% | 1,294 |
| Retained earnings to average equity (ytd only) | 13.2469% | 413 |
| Net charge-offs to loans | -0.1675% | 6,967 |
| Credit loss provision to net charge-offs | 601.7998% | 519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4460% | 1,291 |
| Assets per employee ($millions) | 4.0712% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6045% | 1,144 |
| Loan loss allowance to noncurrent loans | 143.9695% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 5.3291% | 857 |
| Noncurrent loans to loans | 1.8090% | 3,200 |
| Net loans and leases to total assets | 66.9330% | 2,477 |
| Net loans and leases to deposits | 81.5989% | 2,165 |
| Net loans and leases to core deposits | 83.6144% | 2,743 |
| Total domestic deposits to total assets | 82.0268% | 5,119 |
| Equity capital to assets | 9.0441% | 5,657 |
| Core capital (leverage) ratio | 9.0853% | 4,786 |
| Tier 1 risk-based capital ratio | 12.3058% | 5,717 |
| Total risk-based capital ratio | 13.5731% | 5,678 |
| Memoranda: | ||
| Average total assets | $1,508,627,330 | 446 |
| Average earning assets | $1,317,294,330 | 460 |
| Average equity | $132,952,000 | 541 |
| Average total loans | $1,061,364,330 | 404 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3052% | 4,714 |
| Cost of funding earning assets | 0.7277% | 4,047 |
| Net interest margin | 3.5775% | 4,364 |
| Noninterest income to average assets | 0.5605% | 3,495 |
| Noninterest expense to average assets | 3.2840% | 2,339 |
| Loan and lease loss provision to assets | -0.9577% | 7,285 |
| Net operating income to assets | 1.3508% | 1,319 |
| Return on assets (ROA) | 1.3508% | 1,473 |
| Pretax return on assets | 1.3508% | 2,358 |
| Return on Equity (ROE) | 15.5340% | 877 |
| Retained earnings to average equity (ytd only) | 15.5340% | 401 |
| Net charge-offs to loans | -0.5270% | 7,152 |
| Credit loss provision to net charge-offs | 255.3191% | 1,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8447% | 1,196 |
| Assets per employee ($millions) | 3.9302% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7563% | 1,049 |
| Loan loss allowance to noncurrent loans | 125.3554% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 5.9767% | 789 |
| Noncurrent loans to loans | 2.1988% | 2,918 |
| Net loans and leases to total assets | 69.2078% | 1,912 |
| Net loans and leases to deposits | 84.8359% | 1,560 |
| Net loans and leases to core deposits | 86.9944% | 2,183 |
| Total domestic deposits to total assets | 81.5784% | 5,433 |
| Equity capital to assets | 8.8777% | 5,661 |
| Core capital (leverage) ratio | 8.8729% | 5,028 |
| Tier 1 risk-based capital ratio | 11.7471% | 6,129 |
| Total risk-based capital ratio | 13.0155% | 6,095 |
| Memoranda: | ||
| Average total assets | $1,503,662,500 | 444 |
| Average earning assets | $1,309,964,500 | 458 |
| Average equity | $130,758,000 | 548 |
| Average total loans | $1,070,249,000 | 397 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 4,989 |
| Cost of funding earning assets | 0.9581% | 3,662 |
| Net interest margin | 3.5622% | 4,884 |
| Noninterest income to average assets | 0.4232% | 4,424 |
| Noninterest expense to average assets | 3.3321% | 2,414 |
| Loan and lease loss provision to assets | -0.3065% | 7,318 |
| Net operating income to assets | 0.5207% | 4,338 |
| Return on assets (ROA) | 0.5207% | 4,548 |
| Pretax return on assets | 0.5207% | 4,930 |
| Return on Equity (ROE) | 6.6434% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.6434% | 1,675 |
| Net charge-offs to loans | 0.9837% | 1,762 |
| Credit loss provision to net charge-offs | -42.3996% | 6,657 |
| Earnings coverage of net charge-offs (x) | 0.2964% | 5,604 |
| Efficiency ratio | 93.4839% | 958 |
| Assets per employee ($millions) | 3.8418% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9516% | 849 |
| Loan loss allowance to noncurrent loans | 109.3104% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 6.3337% | 754 |
| Noncurrent loans to loans | 2.7002% | 2,405 |
| Net loans and leases to total assets | 69.0818% | 2,202 |
| Net loans and leases to deposits | 84.8703% | 1,820 |
| Net loans and leases to core deposits | 87.1559% | 2,479 |
| Total domestic deposits to total assets | 81.3969% | 5,327 |
| Equity capital to assets | 8.5148% | 6,131 |
| Core capital (leverage) ratio | 8.4309% | 5,666 |
| Tier 1 risk-based capital ratio | 11.1914% | 6,354 |
| Total risk-based capital ratio | 12.4620% | 6,318 |
| Memoranda: | ||
| Average total assets | $1,533,635,200 | 432 |
| Average earning assets | $1,344,572,600 | 446 |
| Average equity | $120,209,800 | 578 |
| Average total loans | $1,126,835,800 | 378 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 5,073 |
| Cost of funding earning assets | 1.0024% | 3,664 |
| Net interest margin | 3.5518% | 4,974 |
| Noninterest income to average assets | 0.3500% | 5,057 |
| Noninterest expense to average assets | 3.3281% | 2,408 |
| Loan and lease loss provision to assets | -0.4068% | 7,404 |
| Net operating income to assets | 0.5500% | 4,321 |
| Return on assets (ROA) | 0.5500% | 4,501 |
| Pretax return on assets | 0.5500% | 4,973 |
| Return on Equity (ROE) | 7.1682% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.1682% | 1,879 |
| Net charge-offs to loans | 0.9216% | 1,742 |
| Credit loss provision to net charge-offs | -59.6144% | 6,478 |
| Earnings coverage of net charge-offs (x) | 0.2099% | 5,439 |
| Efficiency ratio | 95.3901% | 853 |
| Assets per employee ($millions) | 3.8241% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2028% | 721 |
| Loan loss allowance to noncurrent loans | 99.4747% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 6.7032% | 758 |
| Noncurrent loans to loans | 3.2197% | 2,155 |
| Net loans and leases to total assets | 69.5362% | 2,169 |
| Net loans and leases to deposits | 86.9353% | 1,566 |
| Net loans and leases to core deposits | 89.7437% | 2,287 |
| Total domestic deposits to total assets | 79.9862% | 5,742 |
| Equity capital to assets | 8.3568% | 6,435 |
| Core capital (leverage) ratio | 8.2307% | 6,090 |
| Tier 1 risk-based capital ratio | 10.9196% | 6,591 |
| Total risk-based capital ratio | 12.1934% | 6,550 |
| Memoranda: | ||
| Average total assets | $1,540,548,250 | 433 |
| Average earning assets | $1,353,846,750 | 445 |
| Average equity | $118,204,500 | 592 |
| Average total loans | $1,140,544,500 | 378 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 4,967 |
| Cost of funding earning assets | 1.0528% | 3,582 |
| Net interest margin | 3.5455% | 4,942 |
| Noninterest income to average assets | 0.3443% | 5,127 |
| Noninterest expense to average assets | 3.2908% | 2,599 |
| Loan and lease loss provision to assets | -0.4454% | 7,478 |
| Net operating income to assets | 0.6186% | 3,967 |
| Return on assets (ROA) | 0.6186% | 4,098 |
| Pretax return on assets | 0.6186% | 4,681 |
| Return on Equity (ROE) | 8.3034% | 2,806 |
| Retained earnings to average equity (ytd only) | 8.3034% | 1,342 |
| Net charge-offs to loans | 1.1224% | 1,401 |
| Credit loss provision to net charge-offs | -53.0851% | 6,254 |
| Earnings coverage of net charge-offs (x) | 0.2065% | 5,158 |
| Efficiency ratio | 94.5144% | 942 |
| Assets per employee ($millions) | 3.7733% | 4,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4081% | 643 |
| Loan loss allowance to noncurrent loans | 92.6616% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 6.9800% | 733 |
| Noncurrent loans to loans | 3.6780% | 1,912 |
| Net loans and leases to total assets | 70.0236% | 2,213 |
| Net loans and leases to deposits | 87.5193% | 1,570 |
| Net loans and leases to core deposits | 91.2395% | 2,226 |
| Total domestic deposits to total assets | 80.0093% | 5,821 |
| Equity capital to assets | 8.2271% | 6,496 |
| Core capital (leverage) ratio | 8.2200% | 6,000 |
| Tier 1 risk-based capital ratio | 10.6633% | 6,732 |
| Total risk-based capital ratio | 11.9384% | 6,701 |
| Memoranda: | ||
| Average total assets | $1,549,279,000 | 437 |
| Average earning assets | $1,363,231,000 | 449 |
| Average equity | $115,422,330 | 605 |
| Average total loans | $1,158,103,330 | 378 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5951% | 4,965 |
| Cost of funding earning assets | 1.1206% | 3,374 |
| Net interest margin | 3.4745% | 5,124 |
| Noninterest income to average assets | 0.3018% | 5,508 |
| Noninterest expense to average assets | 3.2683% | 2,651 |
| Loan and lease loss provision to assets | -0.3705% | 7,527 |
| Net operating income to assets | 0.4668% | 4,638 |
| Return on assets (ROA) | 0.4668% | 4,720 |
| Pretax return on assets | 0.4668% | 5,132 |
| Return on Equity (ROE) | 6.5995% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.5995% | 2,324 |
| Net charge-offs to loans | 1.2239% | 1,138 |
| Credit loss provision to net charge-offs | -39.9119% | 5,640 |
| Earnings coverage of net charge-offs (x) | 0.1038% | 4,521 |
| Efficiency ratio | 96.6282% | 890 |
| Assets per employee ($millions) | 4.0385% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6663% | 534 |
| Loan loss allowance to noncurrent loans | 75.4818% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 7.7879% | 620 |
| Noncurrent loans to loans | 4.8572% | 1,398 |
| Net loans and leases to total assets | 71.5569% | 1,802 |
| Net loans and leases to deposits | 87.9665% | 1,470 |
| Net loans and leases to core deposits | 94.1543% | 1,869 |
| Total domestic deposits to total assets | 81.3456% | 5,552 |
| Equity capital to assets | 7.1815% | 7,023 |
| Core capital (leverage) ratio | 7.1051% | 6,956 |
| Tier 1 risk-based capital ratio | 9.1398% | 7,207 |
| Total risk-based capital ratio | 10.4178% | 7,207 |
| Memoranda: | ||
| Average total assets | $1,565,484,500 | 438 |
| Average earning assets | $1,379,988,000 | 447 |
| Average equity | $110,736,000 | 623 |
| Average total loans | $1,187,333,500 | 373 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1197% | 4,008 |
| Cost of funding earning assets | 1.6082% | 2,025 |
| Net interest margin | 3.5115% | 5,201 |
| Noninterest income to average assets | 0.4081% | 4,840 |
| Noninterest expense to average assets | 3.1928% | 3,121 |
| Loan and lease loss provision to assets | 1.3410% | 1,135 |
| Net operating income to assets | -1.0911% | 6,735 |
| Return on assets (ROA) | -0.9290% | 6,674 |
| Pretax return on assets | -0.8512% | 6,543 |
| Return on Equity (ROE) | -13.9715% | 6,882 |
| Retained earnings to average equity (ytd only) | -13.9715% | 6,840 |
| Net charge-offs to loans | 2.1733% | 901 |
| Credit loss provision to net charge-offs | 75.7325% | 5,706 |
| Earnings coverage of net charge-offs (x) | 0.1851% | 5,924 |
| Efficiency ratio | 90.2330% | 1,305 |
| Assets per employee ($millions) | 4.1260% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8882% | 438 |
| Loan loss allowance to noncurrent loans | 62.9318% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 8.4603% | 558 |
| Noncurrent loans to loans | 6.1785% | 998 |
| Net loans and leases to total assets | 74.3786% | 1,582 |
| Net loans and leases to deposits | 91.7873% | 1,283 |
| Net loans and leases to core deposits | 99.0318% | 1,699 |
| Total domestic deposits to total assets | 81.0337% | 5,512 |
| Equity capital to assets | 6.9672% | 7,123 |
| Core capital (leverage) ratio | 7.0975% | 6,974 |
| Tier 1 risk-based capital ratio | 8.3993% | 7,313 |
| Total risk-based capital ratio | 9.6795% | 7,319 |
| Memoranda: | ||
| Average total assets | $1,674,849,400 | 407 |
| Average earning assets | $1,484,511,200 | 415 |
| Average equity | $111,362,400 | 604 |
| Average total loans | $1,364,633,400 | 344 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2144% | 3,765 |
| Cost of funding earning assets | 1.7237% | 1,750 |
| Net interest margin | 3.4906% | 5,335 |
| Noninterest income to average assets | 0.3821% | 5,095 |
| Noninterest expense to average assets | 3.1876% | 2,968 |
| Loan and lease loss provision to assets | 1.7306% | 726 |
| Net operating income to assets | -1.5441% | 7,118 |
| Return on assets (ROA) | -1.3311% | 7,070 |
| Pretax return on assets | -1.2289% | 6,946 |
| Return on Equity (ROE) | -20.2435% | 7,226 |
| Retained earnings to average equity (ytd only) | -20.2435% | 7,211 |
| Net charge-offs to loans | 2.3310% | 756 |
| Credit loss provision to net charge-offs | 90.0739% | 4,760 |
| Earnings coverage of net charge-offs (x) | 0.1503% | 5,872 |
| Efficiency ratio | 91.2351% | 1,194 |
| Assets per employee ($millions) | 4.1584% | 3,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0583% | 350 |
| Loan loss allowance to noncurrent loans | 61.8037% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 8.6018% | 553 |
| Noncurrent loans to loans | 6.5665% | 903 |
| Net loans and leases to total assets | 76.6705% | 1,287 |
| Net loans and leases to deposits | 96.2912% | 947 |
| Net loans and leases to core deposits | 106.5677% | 1,279 |
| Total domestic deposits to total assets | 79.6236% | 5,828 |
| Equity capital to assets | 6.6814% | 7,398 |
| Core capital (leverage) ratio | 6.5490% | 7,322 |
| Tier 1 risk-based capital ratio | 7.9432% | 7,483 |
| Total risk-based capital ratio | 9.2273% | 7,485 |
| Memoranda: | ||
| Average total assets | $1,699,528,250 | 395 |
| Average earning assets | $1,506,548,250 | 407 |
| Average equity | $111,750,000 | 592 |
| Average total loans | $1,400,858,500 | 338 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2675% | 3,615 |
| Cost of funding earning assets | 1.8058% | 1,620 |
| Net interest margin | 3.4616% | 5,396 |
| Noninterest income to average assets | 0.2971% | 5,771 |
| Noninterest expense to average assets | 3.1505% | 3,093 |
| Loan and lease loss provision to assets | 2.4873% | 461 |
| Net operating income to assets | -2.4157% | 7,401 |
| Return on assets (ROA) | -2.1018% | 7,342 |
| Pretax return on assets | -1.9511% | 7,223 |
| Return on Equity (ROE) | -32.1247% | 7,456 |
| Retained earnings to average equity (ytd only) | -32.1247% | 7,445 |
| Net charge-offs to loans | 2.7582% | 595 |
| Credit loss provision to net charge-offs | 108.3791% | 3,756 |
| Earnings coverage of net charge-offs (x) | 0.0968% | 5,626 |
| Efficiency ratio | 92.9409% | 1,130 |
| Assets per employee ($millions) | 4.2118% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1196% | 335 |
| Loan loss allowance to noncurrent loans | 59.2123% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 8.7278% | 519 |
| Noncurrent loans to loans | 6.9573% | 815 |
| Net loans and leases to total assets | 79.5496% | 865 |
| Net loans and leases to deposits | 99.7562% | 744 |
| Net loans and leases to core deposits | 113.8926% | 923 |
| Total domestic deposits to total assets | 79.7440% | 5,806 |
| Equity capital to assets | 6.4529% | 7,473 |
| Core capital (leverage) ratio | 6.3080% | 7,427 |
| Tier 1 risk-based capital ratio | 7.4195% | 7,566 |
| Total risk-based capital ratio | 8.7040% | 7,573 |
| Memoranda: | ||
| Average total assets | $1,729,605,000 | 393 |
| Average earning assets | $1,536,792,000 | 401 |
| Average equity | $113,159,000 | 581 |
| Average total loans | $1,439,128,330 | 331 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2985% | 3,559 |
| Cost of funding earning assets | 1.9086% | 1,414 |
| Net interest margin | 3.3900% | 5,622 |
| Noninterest income to average assets | -0.0411% | 7,724 |
| Noninterest expense to average assets | 3.1530% | 3,041 |
| Loan and lease loss provision to assets | 4.4517% | 185 |
| Net operating income to assets | -4.6202% | 7,762 |
| Return on assets (ROA) | -4.6202% | 7,767 |
| Pretax return on assets | -4.6202% | 7,735 |
| Return on Equity (ROE) | -70.1716% | 7,768 |
| Retained earnings to average equity (ytd only) | -70.1716% | 7,761 |
| Net charge-offs to loans | 3.6735% | 376 |
| Credit loss provision to net charge-offs | 145.4505% | 2,445 |
| Earnings coverage of net charge-offs (x) | -0.0551% | 5,066 |
| Efficiency ratio | 105.1158% | 698 |
| Assets per employee ($millions) | 4.5735% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2221% | 307 |
| Loan loss allowance to noncurrent loans | 59.2718% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 8.6492% | 536 |
| Noncurrent loans to loans | 7.1233% | 828 |
| Net loans and leases to total assets | 80.3954% | 785 |
| Net loans and leases to deposits | 100.5240% | 723 |
| Net loans and leases to core deposits | 118.6913% | 842 |
| Total domestic deposits to total assets | 79.9764% | 5,793 |
| Equity capital to assets | 6.2045% | 7,590 |
| Core capital (leverage) ratio | 5.8319% | 7,606 |
| Tier 1 risk-based capital ratio | 6.8441% | 7,711 |
| Total risk-based capital ratio | 8.1286% | 7,713 |
| Memoranda: | ||
| Average total assets | $1,771,005,000 | 403 |
| Average earning assets | $1,580,665,000 | 405 |
| Average equity | $116,605,500 | 577 |
| Average total loans | $1,475,536,500 | 331 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 5,496 |
| Cost of funding earning assets | 2.2617% | 1,796 |
| Net interest margin | 2.9720% | 6,715 |
| Noninterest income to average assets | 0.6104% | 3,549 |
| Noninterest expense to average assets | 3.0903% | 3,786 |
| Loan and lease loss provision to assets | 3.6976% | 401 |
| Net operating income to assets | -3.0809% | 7,414 |
| Return on assets (ROA) | -3.0809% | 7,422 |
| Pretax return on assets | -3.4694% | 7,415 |
| Return on Equity (ROE) | -40.1117% | 7,569 |
| Retained earnings to average equity (ytd only) | -40.1117% | 7,554 |
| Net charge-offs to loans | 3.5473% | 543 |
| Credit loss provision to net charge-offs | 128.2188% | 4,024 |
| Earnings coverage of net charge-offs (x) | 0.0791% | 6,080 |
| Efficiency ratio | 92.7005% | 1,513 |
| Assets per employee ($millions) | 4.8078% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6139% | 484 |
| Loan loss allowance to noncurrent loans | 52.5803% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 7.7215% | 608 |
| Noncurrent loans to loans | 6.8731% | 830 |
| Net loans and leases to total assets | 79.7415% | 1,040 |
| Net loans and leases to deposits | 102.7769% | 708 |
| Net loans and leases to core deposits | 114.9270% | 2,420 |
| Total domestic deposits to total assets | 77.5870% | 6,325 |
| Equity capital to assets | 6.9406% | 7,398 |
| Core capital (leverage) ratio | 6.5725% | 7,458 |
| Tier 1 risk-based capital ratio | 7.7874% | 7,674 |
| Total risk-based capital ratio | 9.0644% | 7,681 |
| Memoranda: | ||
| Average total assets | $2,010,467,200 | 355 |
| Average earning assets | $1,831,908,200 | 346 |
| Average equity | $154,418,800 | 440 |
| Average total loans | $1,634,456,000 | 312 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1912% | 5,916 |
| Cost of funding earning assets | 2.3076% | 1,955 |
| Net interest margin | 2.8836% | 6,887 |
| Noninterest income to average assets | 0.6967% | 3,036 |
| Noninterest expense to average assets | 3.1391% | 3,503 |
| Loan and lease loss provision to assets | 3.4196% | 394 |
| Net operating income to assets | -3.4005% | 7,672 |
| Return on assets (ROA) | -3.4005% | 7,679 |
| Pretax return on assets | -3.2260% | 7,553 |
| Return on Equity (ROE) | -43.3454% | 7,784 |
| Retained earnings to average equity (ytd only) | -43.3454% | 7,781 |
| Net charge-offs to loans | 3.4392% | 436 |
| Credit loss provision to net charge-offs | 122.7854% | 4,122 |
| Earnings coverage of net charge-offs (x) | 0.0695% | 5,979 |
| Efficiency ratio | 93.7782% | 1,416 |
| Assets per employee ($millions) | 5.0096% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0804% | 624 |
| Loan loss allowance to noncurrent loans | 54.5020% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 6.1440% | 859 |
| Noncurrent loans to loans | 5.6519% | 1,096 |
| Net loans and leases to total assets | 76.3988% | 1,917 |
| Net loans and leases to deposits | 97.6416% | 1,365 |
| Net loans and leases to core deposits | 109.2438% | 3,320 |
| Total domestic deposits to total assets | 78.2441% | 6,012 |
| Equity capital to assets | 6.9117% | 7,635 |
| Core capital (leverage) ratio | 6.6965% | 7,585 |
| Tier 1 risk-based capital ratio | 8.0499% | 7,786 |
| Total risk-based capital ratio | 9.3208% | 7,801 |
| Memoranda: | ||
| Average total assets | $2,056,345,250 | 361 |
| Average earning assets | $1,879,783,500 | 350 |
| Average equity | $161,323,250 | 439 |
| Average total loans | $1,665,203,750 | 323 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2111% | 6,040 |
| Cost of funding earning assets | 2.3708% | 2,076 |
| Net interest margin | 2.8403% | 6,934 |
| Noninterest income to average assets | 0.7380% | 2,774 |
| Noninterest expense to average assets | 3.2130% | 3,301 |
| Loan and lease loss provision to assets | 2.9930% | 504 |
| Net operating income to assets | -3.1855% | 7,710 |
| Return on assets (ROA) | -3.1855% | 7,710 |
| Pretax return on assets | -2.8684% | 7,529 |
| Return on Equity (ROE) | -39.1297% | 7,838 |
| Retained earnings to average equity (ytd only) | -39.1297% | 7,821 |
| Net charge-offs to loans | 3.7406% | 394 |
| Credit loss provision to net charge-offs | 97.9843% | 4,679 |
| Earnings coverage of net charge-offs (x) | 0.0408% | 5,637 |
| Efficiency ratio | 95.8558% | 1,387 |
| Assets per employee ($millions) | 5.0238% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3184% | 1,079 |
| Loan loss allowance to noncurrent loans | 39.1217% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 5.9557% | 818 |
| Noncurrent loans to loans | 5.9262% | 930 |
| Net loans and leases to total assets | 78.8786% | 1,551 |
| Net loans and leases to deposits | 100.3231% | 1,254 |
| Net loans and leases to core deposits | 112.8476% | 3,034 |
| Total domestic deposits to total assets | 78.6246% | 5,920 |
| Equity capital to assets | 7.6855% | 7,094 |
| Core capital (leverage) ratio | 7.4336% | 7,096 |
| Tier 1 risk-based capital ratio | 8.8998% | 7,743 |
| Total risk-based capital ratio | 10.1614% | 7,774 |
| Memoranda: | ||
| Average total assets | $2,082,190,000 | 362 |
| Average earning assets | $1,905,739,670 | 352 |
| Average equity | $169,508,000 | 421 |
| Average total loans | $1,700,326,000 | 324 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1852% | 6,354 |
| Cost of funding earning assets | 2.4523% | 2,096 |
| Net interest margin | 2.7329% | 7,134 |
| Noninterest income to average assets | 0.8115% | 2,276 |
| Noninterest expense to average assets | 2.4946% | 5,859 |
| Loan and lease loss provision to assets | 1.9882% | 605 |
| Net operating income to assets | -0.6975% | 7,054 |
| Return on assets (ROA) | -0.6975% | 7,092 |
| Pretax return on assets | -1.1710% | 7,238 |
| Return on Equity (ROE) | -8.3461% | 7,259 |
| Retained earnings to average equity (ytd only) | -8.3461% | 6,945 |
| Net charge-offs to loans | 2.2301% | 649 |
| Credit loss provision to net charge-offs | 108.6015% | 3,536 |
| Earnings coverage of net charge-offs (x) | 0.4464% | 4,634 |
| Efficiency ratio | 74.9088% | 3,679 |
| Assets per employee ($millions) | 5.1345% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2971% | 951 |
| Loan loss allowance to noncurrent loans | 35.0119% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 6.2292% | 618 |
| Noncurrent loans to loans | 6.5610% | 664 |
| Net loans and leases to total assets | 79.5718% | 1,463 |
| Net loans and leases to deposits | 101.7516% | 1,204 |
| Net loans and leases to core deposits | 116.2888% | 2,773 |
| Total domestic deposits to total assets | 78.2020% | 5,942 |
| Equity capital to assets | 8.3959% | 6,240 |
| Core capital (leverage) ratio | 8.0875% | 6,318 |
| Tier 1 risk-based capital ratio | 9.4130% | 7,499 |
| Total risk-based capital ratio | 10.6745% | 7,444 |
| Memoranda: | ||
| Average total assets | $2,118,522,500 | 354 |
| Average earning assets | $1,938,136,000 | 349 |
| Average equity | $177,040,500 | 405 |
| Average total loans | $1,739,136,000 | 321 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9797% | 5,642 |
| Cost of funding earning assets | 2.8450% | 2,499 |
| Net interest margin | 3.1347% | 6,556 |
| Noninterest income to average assets | 0.7049% | 3,097 |
| Noninterest expense to average assets | 3.8574% | 1,646 |
| Loan and lease loss provision to assets | 1.7477% | 731 |
| Net operating income to assets | -1.7230% | 7,536 |
| Return on assets (ROA) | -1.7068% | 7,483 |
| Pretax return on assets | -2.0401% | 7,446 |
| Return on Equity (ROE) | -19.0705% | 7,740 |
| Retained earnings to average equity (ytd only) | -22.2525% | 7,739 |
| Net charge-offs to loans | 1.8501% | 595 |
| Credit loss provision to net charge-offs | 114.8489% | 4,702 |
| Earnings coverage of net charge-offs (x) | -0.2048% | 6,377 |
| Efficiency ratio | 71.8298% | 3,969 |
| Assets per employee ($millions) | 5.2889% | 1,648 |
| Cash dividends to net income (ytd only)* | -16.6854% | 7,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1540% | 998 |
| Loan loss allowance to noncurrent loans | 41.4769% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 5.2049% | 649 |
| Noncurrent loans to loans | 5.1933% | 823 |
| Net loans and leases to total assets | 80.9420% | 1,455 |
| Net loans and leases to deposits | 103.6613% | 1,375 |
| Net loans and leases to core deposits | 120.7339% | 2,622 |
| Total domestic deposits to total assets | 78.0831% | 5,682 |
| Equity capital to assets | 8.3187% | 6,396 |
| Core capital (leverage) ratio | 8.2599% | 6,033 |
| Tier 1 risk-based capital ratio | 9.4483% | 7,368 |
| Total risk-based capital ratio | 10.7083% | 7,271 |
| Memoranda: | ||
| Average total assets | $2,141,952,800 | 339 |
| Average earning assets | $1,941,154,000 | 337 |
| Average equity | $191,704,400 | 385 |
| Average total loans | $1,761,767,200 | 312 |