Home > Marquette Bank > Performance and Condition Ratios
Marquette 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 | 3.9209% | 4,064 |
| Cost of funding earning assets | 1.1619% | 2,904 |
| Net interest margin | 2.7589% | 3,735 |
| Noninterest income to average assets | 0.7000% | 1,184 |
| Noninterest expense to average assets | 2.5389% | 2,194 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.4037% | 3,862 |
| Return on assets (ROA) | 0.3490% | 3,951 |
| Pretax return on assets | 0.4617% | 3,875 |
| Return on Equity (ROE) | 4.5100% | 3,812 |
| Retained earnings to average equity (ytd only) | 1.3910% | 3,738 |
| Net charge-offs to loans | 0.2377% | 451 |
| Credit loss provision to net charge-offs | 81.3049% | 2,011 |
| Earnings coverage of net charge-offs (x) | 3.9854% | 2,616 |
| Efficiency ratio | 79.4348% | 953 |
| Assets per employee ($millions) | 6.6216% | 2,327 |
| Cash dividends to net income (ytd only)* | 69.1276% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,304 |
| Loan loss allowance to noncurrent loans | 215.9225% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 1,599 |
| Noncurrent loans to loans | 0.4629% | 1,623 |
| Net loans and leases to total assets | 67.5400% | 2,088 |
| Net loans and leases to deposits | 82.5448% | 1,905 |
| Net loans and leases to core deposits | 88.6752% | 2,141 |
| Total domestic deposits to total assets | 81.8200% | 3,164 |
| Equity capital to assets | 8.0007% | 3,415 |
| Core capital (leverage) ratio | 7.8821% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7749% | 1,600 |
| Memoranda: | ||
| Average total assets | $2,072,383,800 | 557 |
| Average earning assets | $1,874,714,600 | 556 |
| Average equity | $160,527,600 | 641 |
| Average total loans | $1,438,034,200 | 531 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8738% | 4,037 |
| Cost of funding earning assets | 1.0410% | 2,922 |
| Net interest margin | 2.8328% | 3,673 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.5585% | 2,059 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4730% | 3,819 |
| Return on assets (ROA) | 0.4714% | 3,824 |
| Pretax return on assets | 0.6320% | 3,675 |
| Return on Equity (ROE) | 6.1400% | 3,617 |
| Retained earnings to average equity (ytd only) | 1.9386% | 3,735 |
| Net charge-offs to loans | 0.1644% | 516 |
| Credit loss provision to net charge-offs | 42.0608% | 1,927 |
| Earnings coverage of net charge-offs (x) | 5.8891% | 2,327 |
| Efficiency ratio | 79.1362% | 914 |
| Assets per employee ($millions) | 7.0556% | 1,920 |
| Cash dividends to net income (ytd only)* | 68.4088% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 3,514 |
| Loan loss allowance to noncurrent loans | 200.2887% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4191% | 1,387 |
| Noncurrent loans to loans | 0.4822% | 1,617 |
| Net loans and leases to total assets | 68.6000% | 1,987 |
| Net loans and leases to deposits | 82.7640% | 1,847 |
| Net loans and leases to core deposits | 88.7181% | 2,013 |
| Total domestic deposits to total assets | 82.8800% | 3,039 |
| Equity capital to assets | 7.4961% | 3,354 |
| Core capital (leverage) ratio | 7.9295% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3326% | 1,779 |
| Memoranda: | ||
| Average total assets | $2,067,371,500 | 560 |
| Average earning assets | $1,868,173,500 | 558 |
| Average equity | $158,807,250 | 642 |
| Average total loans | $1,440,690,000 | 530 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 4,015 |
| Cost of funding earning assets | 0.9021% | 2,921 |
| Net interest margin | 2.9006% | 3,643 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.5672% | 2,010 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.5003% | 3,808 |
| Return on assets (ROA) | 0.4978% | 3,818 |
| Pretax return on assets | 0.6686% | 3,665 |
| Return on Equity (ROE) | 6.4300% | 3,586 |
| Retained earnings to average equity (ytd only) | 1.4258% | 3,839 |
| Net charge-offs to loans | 0.0344% | 1,207 |
| Credit loss provision to net charge-offs | -100.8065% | 4,544 |
| Earnings coverage of net charge-offs (x) | 28.2460% | 1,580 |
| Efficiency ratio | 79.0970% | 905 |
| Assets per employee ($millions) | 6.7625% | 2,090 |
| Cash dividends to net income (ytd only)* | 77.8210% | 590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0204% | 3,342 |
| Loan loss allowance to noncurrent loans | 181.6254% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,213 |
| Noncurrent loans to loans | 0.5618% | 1,333 |
| Net loans and leases to total assets | 69.2300% | 1,825 |
| Net loans and leases to deposits | 83.7700% | 1,692 |
| Net loans and leases to core deposits | 89.3686% | 1,840 |
| Total domestic deposits to total assets | 82.6400% | 3,118 |
| Equity capital to assets | 7.6726% | 3,421 |
| Core capital (leverage) ratio | 7.9167% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0259% | 1,886 |
| Memoranda: | ||
| Average total assets | $2,065,045,667 | 544 |
| Average earning assets | $1,865,740,000 | 549 |
| Average equity | $159,911,333 | 635 |
| Average total loans | $1,441,993,667 | 518 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 3,938 |
| Cost of funding earning assets | 0.7437% | 2,914 |
| Net interest margin | 3.0106% | 3,576 |
| Noninterest income to average assets | 0.7200% | 1,034 |
| Noninterest expense to average assets | 2.5447% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.6592% | 3,560 |
| Return on assets (ROA) | 0.6543% | 3,527 |
| Pretax return on assets | 0.8862% | 3,275 |
| Return on Equity (ROE) | 8.4100% | 3,198 |
| Retained earnings to average equity (ytd only) | 3.4177% | 3,408 |
| Net charge-offs to loans | 0.0562% | 811 |
| Credit loss provision to net charge-offs | -192.0792% | 4,605 |
| Earnings coverage of net charge-offs (x) | 22.8564% | 1,418 |
| Efficiency ratio | 73.9432% | 1,347 |
| Assets per employee ($millions) | 6.8348% | 2,082 |
| Cash dividends to net income (ytd only)* | 59.3648% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,446 |
| Loan loss allowance to noncurrent loans | 183.6951% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.4068% | 1,270 |
| Noncurrent loans to loans | 0.5543% | 1,338 |
| Net loans and leases to total assets | 68.8900% | 1,739 |
| Net loans and leases to deposits | 83.4907% | 1,534 |
| Net loans and leases to core deposits | 88.2350% | 1,725 |
| Total domestic deposits to total assets | 82.5200% | 3,400 |
| Equity capital to assets | 7.8573% | 3,344 |
| Core capital (leverage) ratio | 7.9587% | 4,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8420% | 2,034 |
| Memoranda: | ||
| Average total assets | $2,059,527,000 | 561 |
| Average earning assets | $1,859,858,500 | 562 |
| Average equity | $160,222,500 | 646 |
| Average total loans | $1,436,955,000 | 531 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3207% | 3,536 |
| Cost of funding earning assets | 0.1777% | 3,931 |
| Net interest margin | 3.1430% | 3,048 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.6462% | 1,689 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.6250% | 3,818 |
| Return on assets (ROA) | 0.6250% | 3,771 |
| Pretax return on assets | 0.8443% | 3,503 |
| Return on Equity (ROE) | 7.8600% | 3,419 |
| Retained earnings to average equity (ytd only) | 3.8962% | 3,432 |
| Net charge-offs to loans | 0.0868% | 801 |
| Credit loss provision to net charge-offs | 174.7215% | 1,197 |
| Earnings coverage of net charge-offs (x) | 16.4379% | 1,979 |
| Efficiency ratio | 73.6916% | 1,245 |
| Assets per employee ($millions) | 6.5009% | 2,333 |
| Cash dividends to net income (ytd only)* | 50.4334% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 3,027 |
| Loan loss allowance to noncurrent loans | 185.9971% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 1,211 |
| Noncurrent loans to loans | 0.5767% | 1,289 |
| Net loans and leases to total assets | 69.1900% | 1,712 |
| Net loans and leases to deposits | 83.6146% | 1,494 |
| Net loans and leases to core deposits | 87.0152% | 1,680 |
| Total domestic deposits to total assets | 82.7500% | 3,475 |
| Equity capital to assets | 7.7005% | 3,254 |
| Core capital (leverage) ratio | 8.0107% | 4,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4649% | 2,181 |
| Memoranda: | ||
| Average total assets | $2,030,558,600 | 541 |
| Average earning assets | $1,830,912,600 | 549 |
| Average equity | $161,441,200 | 636 |
| Average total loans | $1,344,768,400 | 524 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2246% | 3,372 |
| Cost of funding earning assets | 0.1185% | 4,135 |
| Net interest margin | 3.1060% | 2,919 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.6319% | 1,639 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.6074% | 3,816 |
| Return on assets (ROA) | 0.6074% | 3,773 |
| Pretax return on assets | 0.8193% | 3,533 |
| Return on Equity (ROE) | 7.5800% | 3,441 |
| Retained earnings to average equity (ytd only) | 3.6412% | 3,572 |
| Net charge-offs to loans | 0.0877% | 693 |
| Credit loss provision to net charge-offs | 209.6441% | 956 |
| Earnings coverage of net charge-offs (x) | 16.4030% | 1,817 |
| Efficiency ratio | 73.6970% | 1,310 |
| Assets per employee ($millions) | 6.4374% | 2,374 |
| Cash dividends to net income (ytd only)* | 51.9593% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 2,903 |
| Loan loss allowance to noncurrent loans | 137.8637% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 872 |
| Noncurrent loans to loans | 0.8154% | 977 |
| Net loans and leases to total assets | 66.7900% | 1,805 |
| Net loans and leases to deposits | 76.7481% | 1,815 |
| Net loans and leases to core deposits | 79.4955% | 1,937 |
| Total domestic deposits to total assets | 87.0200% | 2,757 |
| Equity capital to assets | 7.5634% | 3,178 |
| Core capital (leverage) ratio | 7.9935% | 4,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5346% | 2,246 |
| Memoranda: | ||
| Average total assets | $2,027,877,000 | 541 |
| Average earning assets | $1,828,874,000 | 549 |
| Average equity | $162,504,250 | 641 |
| Average total loans | $1,324,027,500 | 526 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1475% | 3,191 |
| Cost of funding earning assets | 0.0955% | 4,237 |
| Net interest margin | 3.0520% | 2,713 |
| Noninterest income to average assets | 0.7625% | 1,147 |
| Noninterest expense to average assets | 2.6284% | 1,559 |
| Loan and lease loss provision to assets | 0.1169% | 860 |
| Net operating income to assets | 0.5727% | 3,699 |
| Return on assets (ROA) | 0.5727% | 3,649 |
| Pretax return on assets | 0.7704% | 3,401 |
| Return on Equity (ROE) | 7.0154% | 3,309 |
| Retained earnings to average equity (ytd only) | 3.1495% | 3,399 |
| Net charge-offs to loans | 0.0964% | 602 |
| Credit loss provision to net charge-offs | 187.7971% | 998 |
| Earnings coverage of net charge-offs (x) | 14.2583% | 1,661 |
| Efficiency ratio | 74.7616% | 1,418 |
| Assets per employee ($millions) | 6.4265% | 2,371 |
| Cash dividends to net income (ytd only)* | 55.1059% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,019 |
| Loan loss allowance to noncurrent loans | 125.1941% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 849 |
| Noncurrent loans to loans | 0.9045% | 931 |
| Net loans and leases to total assets | 64.4761% | 1,851 |
| Net loans and leases to deposits | 74.1377% | 1,857 |
| Net loans and leases to core deposits | 76.6942% | 1,955 |
| Total domestic deposits to total assets | 86.9681% | 2,948 |
| Equity capital to assets | 7.6484% | 3,380 |
| Core capital (leverage) ratio | 7.3237% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9338% | 2,523 |
| Memoranda: | ||
| Average total assets | $2,027,908,667 | 543 |
| Average earning assets | $1,829,436,000 | 551 |
| Average equity | $165,549,000 | 641 |
| Average total loans | $1,308,794,000 | 521 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0738% | 3,049 |
| Cost of funding earning assets | 0.0895% | 4,256 |
| Net interest margin | 2.9843% | 2,552 |
| Noninterest income to average assets | 0.7522% | 1,166 |
| Noninterest expense to average assets | 2.6268% | 1,533 |
| Loan and lease loss provision to assets | 0.0677% | 1,210 |
| Net operating income to assets | 0.5616% | 3,518 |
| Return on assets (ROA) | 0.5616% | 3,495 |
| Pretax return on assets | 0.7556% | 3,241 |
| Return on Equity (ROE) | 6.6681% | 3,137 |
| Retained earnings to average equity (ytd only) | 2.9180% | 3,293 |
| Net charge-offs to loans | -0.0350% | 4,144 |
| Credit loss provision to net charge-offs | -300.8772% | 3,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1371% | 1,509 |
| Assets per employee ($millions) | 6.3710% | 2,479 |
| Cash dividends to net income (ytd only)* | 56.2390% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,204 |
| Loan loss allowance to noncurrent loans | 137.6316% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.5860% | 1,008 |
| Noncurrent loans to loans | 0.8209% | 1,153 |
| Net loans and leases to total assets | 64.1605% | 1,603 |
| Net loans and leases to deposits | 74.2915% | 1,578 |
| Net loans and leases to core deposits | 76.9349% | 1,709 |
| Total domestic deposits to total assets | 86.3632% | 3,146 |
| Equity capital to assets | 7.9968% | 3,571 |
| Core capital (leverage) ratio | 7.4259% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8962% | 2,642 |
| Memoranda: | ||
| Average total assets | $2,026,480,500 | 548 |
| Average earning assets | $1,831,992,000 | 553 |
| Average equity | $170,662,500 | 639 |
| Average total loans | $1,301,013,000 | 523 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1406% | 3,606 |
| Cost of funding earning assets | 0.1182% | 4,241 |
| Net interest margin | 3.0224% | 3,139 |
| Noninterest income to average assets | 0.9198% | 1,153 |
| Noninterest expense to average assets | 2.7584% | 1,461 |
| Loan and lease loss provision to assets | 0.1229% | 1,001 |
| Net operating income to assets | 0.5705% | 3,938 |
| Return on assets (ROA) | 0.5705% | 3,981 |
| Pretax return on assets | 0.7702% | 3,786 |
| Return on Equity (ROE) | 6.1706% | 3,734 |
| Retained earnings to average equity (ytd only) | 2.8306% | 3,715 |
| Net charge-offs to loans | 0.1762% | 548 |
| Credit loss provision to net charge-offs | 107.0372% | 1,733 |
| Earnings coverage of net charge-offs (x) | 7.7781% | 2,331 |
| Efficiency ratio | 75.5416% | 1,146 |
| Assets per employee ($millions) | 6.5818% | 2,257 |
| Cash dividends to net income (ytd only)* | 54.1272% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 3,250 |
| Loan loss allowance to noncurrent loans | 106.8902% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 876 |
| Noncurrent loans to loans | 1.0530% | 928 |
| Net loans and leases to total assets | 62.7888% | 1,849 |
| Net loans and leases to deposits | 72.9051% | 1,821 |
| Net loans and leases to core deposits | 75.5991% | 1,945 |
| Total domestic deposits to total assets | 86.1240% | 2,858 |
| Equity capital to assets | 8.8489% | 3,762 |
| Core capital (leverage) ratio | 7.5077% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4278% | 2,484 |
| Memoranda: | ||
| Average total assets | $1,942,984,600 | 549 |
| Average earning assets | $1,756,123,800 | 556 |
| Average equity | $179,642,200 | 604 |
| Average total loans | $1,265,839,600 | 538 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1621% | 3,677 |
| Cost of funding earning assets | 0.1260% | 4,302 |
| Net interest margin | 3.0361% | 3,216 |
| Noninterest income to average assets | 0.9452% | 1,161 |
| Noninterest expense to average assets | 2.7955% | 1,353 |
| Loan and lease loss provision to assets | 0.0815% | 1,452 |
| Net operating income to assets | 0.5982% | 4,009 |
| Return on assets (ROA) | 0.5982% | 4,058 |
| Pretax return on assets | 0.8101% | 3,872 |
| Return on Equity (ROE) | 6.3984% | 3,820 |
| Retained earnings to average equity (ytd only) | 3.0624% | 3,887 |
| Net charge-offs to loans | 0.0621% | 1,015 |
| Credit loss provision to net charge-offs | 200.0000% | 1,206 |
| Earnings coverage of net charge-offs (x) | 21.8759% | 1,699 |
| Efficiency ratio | 75.8187% | 1,048 |
| Assets per employee ($millions) | 6.4927% | 2,252 |
| Cash dividends to net income (ytd only)* | 52.1376% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,114 |
| Loan loss allowance to noncurrent loans | 102.2830% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 914 |
| Noncurrent loans to loans | 1.1451% | 984 |
| Net loans and leases to total assets | 63.3791% | 1,854 |
| Net loans and leases to deposits | 73.9944% | 1,852 |
| Net loans and leases to core deposits | 76.7433% | 1,980 |
| Total domestic deposits to total assets | 85.6539% | 2,892 |
| Equity capital to assets | 9.1004% | 3,744 |
| Core capital (leverage) ratio | 7.5822% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7288% | 2,459 |
| Memoranda: | ||
| Average total assets | $1,923,578,750 | 559 |
| Average earning assets | $1,737,131,250 | 568 |
| Average equity | $179,852,250 | 609 |
| Average total loans | $1,261,510,000 | 546 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2018% | 3,678 |
| Cost of funding earning assets | 0.1377% | 4,298 |
| Net interest margin | 3.0642% | 3,133 |
| Noninterest income to average assets | 0.9678% | 1,122 |
| Noninterest expense to average assets | 2.8103% | 1,330 |
| Loan and lease loss provision to assets | 0.0770% | 1,552 |
| Net operating income to assets | 0.6253% | 3,928 |
| Return on assets (ROA) | 0.6253% | 3,987 |
| Pretax return on assets | 0.8476% | 3,774 |
| Return on Equity (ROE) | 6.6265% | 3,746 |
| Retained earnings to average equity (ytd only) | 3.2882% | 3,745 |
| Net charge-offs to loans | 0.0856% | 823 |
| Credit loss provision to net charge-offs | 135.9926% | 1,205 |
| Earnings coverage of net charge-offs (x) | 16.3358% | 1,602 |
| Efficiency ratio | 75.2453% | 1,146 |
| Assets per employee ($millions) | 6.0689% | 2,544 |
| Cash dividends to net income (ytd only)* | 50.3778% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,226 |
| Loan loss allowance to noncurrent loans | 97.2791% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 925 |
| Noncurrent loans to loans | 1.1757% | 1,028 |
| Net loans and leases to total assets | 64.2461% | 1,922 |
| Net loans and leases to deposits | 75.1681% | 1,900 |
| Net loans and leases to core deposits | 78.5216% | 2,004 |
| Total domestic deposits to total assets | 85.4699% | 2,920 |
| Equity capital to assets | 9.2789% | 3,531 |
| Core capital (leverage) ratio | 7.6463% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7549% | 2,451 |
| Memoranda: | ||
| Average total assets | $1,904,678,667 | 555 |
| Average earning assets | $1,720,010,667 | 566 |
| Average equity | $179,731,667 | 606 |
| Average total loans | $1,258,694,333 | 548 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2396% | 3,610 |
| Cost of funding earning assets | 0.1511% | 4,297 |
| Net interest margin | 3.0885% | 3,029 |
| Noninterest income to average assets | 1.0811% | 1,008 |
| Noninterest expense to average assets | 2.8568% | 1,242 |
| Loan and lease loss provision to assets | 0.1481% | 882 |
| Net operating income to assets | 0.6341% | 3,852 |
| Return on assets (ROA) | 0.6341% | 3,920 |
| Pretax return on assets | 0.8593% | 3,697 |
| Return on Equity (ROE) | 6.6624% | 3,687 |
| Retained earnings to average equity (ytd only) | 3.3144% | 3,682 |
| Net charge-offs to loans | 0.1396% | 538 |
| Credit loss provision to net charge-offs | 159.1324% | 962 |
| Earnings coverage of net charge-offs (x) | 10.8265% | 1,484 |
| Efficiency ratio | 73.9307% | 1,318 |
| Assets per employee ($millions) | 5.8572% | 2,737 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,219 |
| Loan loss allowance to noncurrent loans | 82.6092% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0081% | 816 |
| Noncurrent loans to loans | 1.3859% | 913 |
| Net loans and leases to total assets | 65.5688% | 1,851 |
| Net loans and leases to deposits | 76.4022% | 1,863 |
| Net loans and leases to core deposits | 80.0962% | 1,992 |
| Total domestic deposits to total assets | 85.8206% | 2,801 |
| Equity capital to assets | 9.2634% | 3,430 |
| Core capital (leverage) ratio | 7.8506% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4308% | 2,519 |
| Memoranda: | ||
| Average total assets | $1,882,964,500 | 561 |
| Average earning assets | $1,696,755,500 | 563 |
| Average equity | $179,216,000 | 597 |
| Average total loans | $1,255,010,000 | 551 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6464% | 3,708 |
| Cost of funding earning assets | 0.2923% | 4,189 |
| Net interest margin | 3.3541% | 2,916 |
| Noninterest income to average assets | 1.0873% | 902 |
| Noninterest expense to average assets | 3.2140% | 1,033 |
| Loan and lease loss provision to assets | 0.1043% | 3,034 |
| Net operating income to assets | 0.5550% | 3,888 |
| Return on assets (ROA) | 0.6675% | 3,661 |
| Pretax return on assets | 0.9138% | 3,329 |
| Return on Equity (ROE) | 6.4960% | 3,408 |
| Retained earnings to average equity (ytd only) | 2.0083% | 3,818 |
| Net charge-offs to loans | 0.1232% | 1,267 |
| Credit loss provision to net charge-offs | 119.4059% | 2,638 |
| Earnings coverage of net charge-offs (x) | 10.0271% | 2,491 |
| Efficiency ratio | 78.5882% | 990 |
| Assets per employee ($millions) | 5.6942% | 2,631 |
| Cash dividends to net income (ytd only)* | 69.0846% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,201 |
| Loan loss allowance to noncurrent loans | 76.6828% | 3,647 |
| Noncurrent assets plus other real estate owned to assets | 1.1163% | 815 |
| Noncurrent loans to loans | 1.5029% | 886 |
| Net loans and leases to total assets | 66.2126% | 2,074 |
| Net loans and leases to deposits | 77.7476% | 2,100 |
| Net loans and leases to core deposits | 81.9421% | 2,197 |
| Total domestic deposits to total assets | 85.1635% | 2,697 |
| Equity capital to assets | 9.7810% | 3,336 |
| Core capital (leverage) ratio | 7.9687% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6932% | 2,368 |
| Memoranda: | ||
| Average total assets | $1,734,771,600 | 545 |
| Average earning assets | $1,552,829,000 | 557 |
| Average equity | $178,263,600 | 568 |
| Average total loans | $1,229,906,800 | 536 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 3,719 |
| Cost of funding earning assets | 0.3251% | 4,188 |
| Net interest margin | 3.4071% | 2,893 |
| Noninterest income to average assets | 1.0057% | 1,017 |
| Noninterest expense to average assets | 3.1760% | 1,108 |
| Loan and lease loss provision to assets | 0.2152% | 1,873 |
| Net operating income to assets | 0.4860% | 4,073 |
| Return on assets (ROA) | 0.4855% | 4,150 |
| Pretax return on assets | 0.6603% | 3,983 |
| Return on Equity (ROE) | 4.6634% | 3,980 |
| Retained earnings to average equity (ytd only) | -0.2170% | 4,515 |
| Net charge-offs to loans | 0.0360% | 2,113 |
| Credit loss provision to net charge-offs | 831.7221% | 952 |
| Earnings coverage of net charge-offs (x) | 33.8671% | 1,490 |
| Efficiency ratio | 78.3774% | 996 |
| Assets per employee ($millions) | 5.4097% | 2,787 |
| Cash dividends to net income (ytd only)* | 104.6530% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3336% | 2,025 |
| Loan loss allowance to noncurrent loans | 78.4871% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.2956% | 734 |
| Noncurrent loans to loans | 1.6991% | 806 |
| Net loans and leases to total assets | 67.6161% | 2,294 |
| Net loans and leases to deposits | 79.6051% | 2,359 |
| Net loans and leases to core deposits | 84.0425% | 2,471 |
| Total domestic deposits to total assets | 84.9395% | 2,465 |
| Equity capital to assets | 9.9790% | 3,246 |
| Core capital (leverage) ratio | 7.9355% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6282% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,705,811,000 | 547 |
| Average earning assets | $1,525,265,750 | 554 |
| Average equity | $177,577,500 | 558 |
| Average total loans | $1,227,477,250 | 528 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 3,957 |
| Cost of funding earning assets | 0.3698% | 4,176 |
| Net interest margin | 3.3947% | 3,119 |
| Noninterest income to average assets | 0.9587% | 1,056 |
| Noninterest expense to average assets | 3.1651% | 1,216 |
| Loan and lease loss provision to assets | 0.2633% | 1,615 |
| Net operating income to assets | 0.4136% | 4,210 |
| Return on assets (ROA) | 0.4127% | 4,273 |
| Pretax return on assets | 0.5606% | 4,136 |
| Return on Equity (ROE) | 3.9067% | 4,131 |
| Retained earnings to average equity (ytd only) | -1.1772% | 4,497 |
| Net charge-offs to loans | -0.0077% | 4,133 |
| Credit loss provision to net charge-offs | -4,693.6170% | 4,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3246% | 936 |
| Assets per employee ($millions) | 5.3993% | 2,738 |
| Cash dividends to net income (ytd only)* | 130.1330% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,014 |
| Loan loss allowance to noncurrent loans | 77.9623% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.3189% | 781 |
| Noncurrent loans to loans | 1.6637% | 873 |
| Net loans and leases to total assets | 70.0154% | 2,025 |
| Net loans and leases to deposits | 82.3898% | 2,166 |
| Net loans and leases to core deposits | 86.0182% | 2,438 |
| Total domestic deposits to total assets | 84.9806% | 2,407 |
| Equity capital to assets | 10.0889% | 3,118 |
| Core capital (leverage) ratio | 8.2155% | 4,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4288% | 2,431 |
| Memoranda: | ||
| Average total assets | $1,675,737,667 | 544 |
| Average earning assets | $1,496,328,000 | 556 |
| Average equity | $177,028,000 | 554 |
| Average total loans | $1,226,362,667 | 519 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9579% | 3,904 |
| Cost of funding earning assets | 0.4381% | 4,206 |
| Net interest margin | 3.5199% | 2,911 |
| Noninterest income to average assets | 0.9919% | 877 |
| Noninterest expense to average assets | 3.2313% | 1,363 |
| Loan and lease loss provision to assets | 0.5460% | 527 |
| Net operating income to assets | 0.2581% | 4,436 |
| Return on assets (ROA) | 0.2563% | 4,459 |
| Pretax return on assets | 0.3422% | 4,393 |
| Return on Equity (ROE) | 2.3686% | 4,370 |
| Retained earnings to average equity (ytd only) | -3.2979% | 4,382 |
| Net charge-offs to loans | -0.0059% | 3,907 |
| Credit loss provision to net charge-offs | -12,366.6667% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3980% | 1,289 |
| Assets per employee ($millions) | 4.7870% | 2,886 |
| Cash dividends to net income (ytd only)* | 239.2344% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 1,995 |
| Loan loss allowance to noncurrent loans | 85.1256% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 887 |
| Noncurrent loans to loans | 1.5645% | 997 |
| Net loans and leases to total assets | 73.2611% | 1,736 |
| Net loans and leases to deposits | 86.1533% | 1,979 |
| Net loans and leases to core deposits | 90.4318% | 2,306 |
| Total domestic deposits to total assets | 85.0358% | 2,398 |
| Equity capital to assets | 10.8195% | 3,027 |
| Core capital (leverage) ratio | 8.6236% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9037% | 2,328 |
| Memoranda: | ||
| Average total assets | $1,630,823,500 | 539 |
| Average earning assets | $1,450,061,000 | 545 |
| Average equity | $176,478,500 | 553 |
| Average total loans | $1,213,337,500 | 506 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1080% | 4,022 |
| Cost of funding earning assets | 0.4806% | 4,166 |
| Net interest margin | 3.6274% | 3,051 |
| Noninterest income to average assets | 1.0962% | 795 |
| Noninterest expense to average assets | 3.2447% | 1,419 |
| Loan and lease loss provision to assets | 0.1036% | 1,991 |
| Net operating income to assets | 0.7099% | 3,842 |
| Return on assets (ROA) | 0.7099% | 3,902 |
| Pretax return on assets | 0.9576% | 3,579 |
| Return on Equity (ROE) | 6.4427% | 3,763 |
| Retained earnings to average equity (ytd only) | 0.4231% | 4,571 |
| Net charge-offs to loans | 0.0660% | 2,146 |
| Credit loss provision to net charge-offs | 209.7187% | 1,268 |
| Earnings coverage of net charge-offs (x) | 21.4834% | 1,885 |
| Efficiency ratio | 75.3550% | 1,438 |
| Assets per employee ($millions) | 4.7084% | 2,939 |
| Cash dividends to net income (ytd only)* | 93.4330% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 2,649 |
| Loan loss allowance to noncurrent loans | 83.7894% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 976 |
| Noncurrent loans to loans | 1.3829% | 1,067 |
| Net loans and leases to total assets | 73.6888% | 1,803 |
| Net loans and leases to deposits | 86.7878% | 1,997 |
| Net loans and leases to core deposits | 91.1157% | 2,312 |
| Total domestic deposits to total assets | 84.9069% | 2,531 |
| Equity capital to assets | 10.8234% | 3,162 |
| Core capital (leverage) ratio | 8.7576% | 4,695 |
| Tier 1 risk-based capital ratio | 12.8686% | 3,864 |
| Total risk-based capital ratio | 14.1193% | 3,742 |
| Memoranda: | ||
| Average total assets | $1,583,150,600 | 529 |
| Average earning assets | $1,400,826,400 | 543 |
| Average equity | $174,428,800 | 528 |
| Average total loans | $1,185,228,000 | 495 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1419% | 4,058 |
| Cost of funding earning assets | 0.4711% | 4,256 |
| Net interest margin | 3.6708% | 3,023 |
| Noninterest income to average assets | 1.0873% | 775 |
| Noninterest expense to average assets | 3.2087% | 1,450 |
| Loan and lease loss provision to assets | 0.1310% | 1,477 |
| Net operating income to assets | 0.7399% | 3,881 |
| Return on assets (ROA) | 0.7399% | 3,945 |
| Pretax return on assets | 0.9921% | 3,619 |
| Return on Equity (ROE) | 6.6853% | 3,818 |
| Retained earnings to average equity (ytd only) | 1.7105% | 4,360 |
| Net charge-offs to loans | 0.0697% | 1,831 |
| Credit loss provision to net charge-offs | 250.5673% | 1,090 |
| Earnings coverage of net charge-offs (x) | 21.4877% | 1,911 |
| Efficiency ratio | 74.0741% | 1,555 |
| Assets per employee ($millions) | 4.7161% | 2,896 |
| Cash dividends to net income (ytd only)* | 74.4133% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,665 |
| Loan loss allowance to noncurrent loans | 80.2545% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.2648% | 972 |
| Noncurrent loans to loans | 1.4556% | 1,047 |
| Net loans and leases to total assets | 74.4193% | 1,726 |
| Net loans and leases to deposits | 88.0404% | 1,925 |
| Net loans and leases to core deposits | 92.3094% | 2,334 |
| Total domestic deposits to total assets | 84.5286% | 2,613 |
| Equity capital to assets | 11.1007% | 3,012 |
| Core capital (leverage) ratio | 9.0619% | 4,589 |
| Tier 1 risk-based capital ratio | 12.7636% | 3,980 |
| Total risk-based capital ratio | 14.0141% | 3,872 |
| Memoranda: | ||
| Average total assets | $1,574,012,500 | 535 |
| Average earning assets | $1,391,196,750 | 547 |
| Average equity | $174,209,250 | 533 |
| Average total loans | $1,179,652,000 | 499 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1782% | 3,975 |
| Cost of funding earning assets | 0.4437% | 4,349 |
| Net interest margin | 3.7345% | 2,816 |
| Noninterest income to average assets | 1.0099% | 859 |
| Noninterest expense to average assets | 3.2474% | 1,408 |
| Loan and lease loss provision to assets | 0.1360% | 1,364 |
| Net operating income to assets | 0.7041% | 3,993 |
| Return on assets (ROA) | 0.7041% | 4,047 |
| Pretax return on assets | 0.9277% | 3,769 |
| Return on Equity (ROE) | 6.3678% | 3,918 |
| Retained earnings to average equity (ytd only) | 0.5915% | 4,539 |
| Net charge-offs to loans | 0.0813% | 1,544 |
| Credit loss provision to net charge-offs | 223.7395% | 1,121 |
| Earnings coverage of net charge-offs (x) | 17.4958% | 1,890 |
| Efficiency ratio | 75.3252% | 1,480 |
| Assets per employee ($millions) | 4.6489% | 2,938 |
| Cash dividends to net income (ytd only)* | 90.7112% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,704 |
| Loan loss allowance to noncurrent loans | 83.6156% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.2295% | 1,067 |
| Noncurrent loans to loans | 1.3928% | 1,115 |
| Net loans and leases to total assets | 73.0377% | 2,049 |
| Net loans and leases to deposits | 85.8596% | 2,274 |
| Net loans and leases to core deposits | 90.0603% | 2,596 |
| Total domestic deposits to total assets | 85.0664% | 2,445 |
| Equity capital to assets | 10.9823% | 3,084 |
| Core capital (leverage) ratio | 8.9670% | 4,650 |
| Tier 1 risk-based capital ratio | 12.9803% | 3,845 |
| Total risk-based capital ratio | 14.2308% | 3,756 |
| Memoranda: | ||
| Average total assets | $1,565,761,000 | 537 |
| Average earning assets | $1,384,136,670 | 549 |
| Average equity | $173,120,670 | 534 |
| Average total loans | $1,171,584,330 | 507 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 3,801 |
| Cost of funding earning assets | 0.4096% | 4,445 |
| Net interest margin | 3.8123% | 2,483 |
| Noninterest income to average assets | 1.0156% | 771 |
| Noninterest expense to average assets | 3.3377% | 1,210 |
| Loan and lease loss provision to assets | 0.1671% | 1,006 |
| Net operating income to assets | 0.6954% | 3,952 |
| Return on assets (ROA) | 0.6954% | 3,991 |
| Pretax return on assets | 0.8779% | 3,833 |
| Return on Equity (ROE) | 6.2677% | 3,936 |
| Retained earnings to average equity (ytd only) | 0.4578% | 4,443 |
| Net charge-offs to loans | 0.0955% | 1,177 |
| Credit loss provision to net charge-offs | 232.2581% | 961 |
| Earnings coverage of net charge-offs (x) | 14.5269% | 1,789 |
| Efficiency ratio | 76.1560% | 1,481 |
| Assets per employee ($millions) | 4.5182% | 3,159 |
| Cash dividends to net income (ytd only)* | 92.6956% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1631% | 2,777 |
| Loan loss allowance to noncurrent loans | 90.9538% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.1793% | 1,141 |
| Noncurrent loans to loans | 1.2788% | 1,285 |
| Net loans and leases to total assets | 72.9772% | 1,990 |
| Net loans and leases to deposits | 85.9796% | 2,133 |
| Net loans and leases to core deposits | 89.9928% | 2,505 |
| Total domestic deposits to total assets | 84.8774% | 2,727 |
| Equity capital to assets | 10.9832% | 2,875 |
| Core capital (leverage) ratio | 9.0993% | 4,573 |
| Tier 1 risk-based capital ratio | 13.0165% | 3,871 |
| Total risk-based capital ratio | 14.2668% | 3,770 |
| Memoranda: | ||
| Average total assets | $1,551,348,000 | 538 |
| Average earning assets | $1,370,182,000 | 555 |
| Average equity | $172,120,000 | 532 |
| Average total loans | $1,168,190,500 | 509 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0196% | 3,969 |
| Cost of funding earning assets | 0.2587% | 4,766 |
| Net interest margin | 3.7609% | 2,821 |
| Noninterest income to average assets | 1.0205% | 906 |
| Noninterest expense to average assets | 3.1912% | 1,577 |
| Loan and lease loss provision to assets | 0.0563% | 3,044 |
| Net operating income to assets | 0.7862% | 3,853 |
| Return on assets (ROA) | 0.7862% | 3,855 |
| Pretax return on assets | 1.0915% | 3,304 |
| Return on Equity (ROE) | 7.1035% | 3,788 |
| Retained earnings to average equity (ytd only) | 0.6686% | 4,815 |
| Net charge-offs to loans | 0.0545% | 2,370 |
| Credit loss provision to net charge-offs | 139.2000% | 1,939 |
| Earnings coverage of net charge-offs (x) | 28.3664% | 1,653 |
| Efficiency ratio | 73.5467% | 1,698 |
| Assets per employee ($millions) | 4.3976% | 3,312 |
| Cash dividends to net income (ytd only)* | 90.5872% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 2,993 |
| Loan loss allowance to noncurrent loans | 82.0311% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 1.3428% | 942 |
| Noncurrent loans to loans | 1.3621% | 1,145 |
| Net loans and leases to total assets | 75.9492% | 1,625 |
| Net loans and leases to deposits | 89.8777% | 1,816 |
| Net loans and leases to core deposits | 92.9530% | 2,323 |
| Total domestic deposits to total assets | 84.5029% | 2,832 |
| Equity capital to assets | 11.2096% | 2,506 |
| Core capital (leverage) ratio | 9.1140% | 4,545 |
| Tier 1 risk-based capital ratio | 12.8456% | 3,941 |
| Total risk-based capital ratio | 14.0729% | 3,837 |
| Memoranda: | ||
| Average total assets | $1,544,567,800 | 530 |
| Average earning assets | $1,362,899,200 | 540 |
| Average equity | $170,943,400 | 509 |
| Average total loans | $1,147,573,600 | 503 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9558% | 4,059 |
| Cost of funding earning assets | 0.2367% | 4,860 |
| Net interest margin | 3.7191% | 2,946 |
| Noninterest income to average assets | 1.0250% | 911 |
| Noninterest expense to average assets | 3.1940% | 1,538 |
| Loan and lease loss provision to assets | 0.0128% | 3,741 |
| Net operating income to assets | 0.7986% | 3,905 |
| Return on assets (ROA) | 0.7986% | 3,914 |
| Pretax return on assets | 1.0996% | 3,404 |
| Return on Equity (ROE) | 7.2390% | 3,843 |
| Retained earnings to average equity (ytd only) | 0.9938% | 4,854 |
| Net charge-offs to loans | 0.0510% | 2,105 |
| Credit loss provision to net charge-offs | 34.1743% | 2,945 |
| Earnings coverage of net charge-offs (x) | 29.6261% | 1,625 |
| Efficiency ratio | 74.1675% | 1,565 |
| Assets per employee ($millions) | 4.4017% | 3,267 |
| Cash dividends to net income (ytd only)* | 86.2720% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 3,226 |
| Loan loss allowance to noncurrent loans | 172.8669% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 1,979 |
| Noncurrent loans to loans | 0.6333% | 2,499 |
| Net loans and leases to total assets | 74.1094% | 1,965 |
| Net loans and leases to deposits | 87.2985% | 2,234 |
| Net loans and leases to core deposits | 90.8805% | 2,574 |
| Total domestic deposits to total assets | 84.8919% | 2,643 |
| Equity capital to assets | 11.0784% | 2,595 |
| Core capital (leverage) ratio | 9.1962% | 4,516 |
| Tier 1 risk-based capital ratio | 13.0667% | 3,865 |
| Total risk-based capital ratio | 14.2637% | 3,809 |
| Memoranda: | ||
| Average total assets | $1,548,121,000 | 525 |
| Average earning assets | $1,365,932,000 | 537 |
| Average equity | $170,792,750 | 506 |
| Average total loans | $1,140,610,250 | 500 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9175% | 4,023 |
| Cost of funding earning assets | 0.2208% | 4,914 |
| Net interest margin | 3.6968% | 2,937 |
| Noninterest income to average assets | 1.0480% | 880 |
| Noninterest expense to average assets | 3.1821% | 1,588 |
| Loan and lease loss provision to assets | -0.0302% | 5,341 |
| Net operating income to assets | 0.8411% | 3,716 |
| Return on assets (ROA) | 0.8411% | 3,715 |
| Pretax return on assets | 1.1587% | 3,102 |
| Return on Equity (ROE) | 7.6341% | 3,656 |
| Retained earnings to average equity (ytd only) | 1.7860% | 4,531 |
| Net charge-offs to loans | 0.0382% | 2,088 |
| Credit loss provision to net charge-offs | -107.8341% | 4,095 |
| Earnings coverage of net charge-offs (x) | 40.3594% | 1,288 |
| Efficiency ratio | 73.8200% | 1,733 |
| Assets per employee ($millions) | 4.5337% | 3,080 |
| Cash dividends to net income (ytd only)* | 76.6049% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1006% | 3,257 |
| Loan loss allowance to noncurrent loans | 151.1300% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.8633% | 1,729 |
| Noncurrent loans to loans | 0.7282% | 2,288 |
| Net loans and leases to total assets | 71.8752% | 2,298 |
| Net loans and leases to deposits | 84.4917% | 2,482 |
| Net loans and leases to core deposits | 87.7841% | 2,741 |
| Total domestic deposits to total assets | 85.0679% | 2,644 |
| Equity capital to assets | 11.0062% | 2,635 |
| Core capital (leverage) ratio | 9.0698% | 4,619 |
| Tier 1 risk-based capital ratio | 13.3595% | 3,701 |
| Total risk-based capital ratio | 14.5709% | 3,643 |
| Memoranda: | ||
| Average total assets | $1,552,097,330 | 525 |
| Average earning assets | $1,369,841,330 | 536 |
| Average equity | $170,995,000 | 506 |
| Average total loans | $1,137,125,330 | 501 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,084 |
| Cost of funding earning assets | 0.2082% | 4,967 |
| Net interest margin | 3.6410% | 3,023 |
| Noninterest income to average assets | 1.0228% | 876 |
| Noninterest expense to average assets | 3.0984% | 1,830 |
| Loan and lease loss provision to assets | 0.0077% | 3,410 |
| Net operating income to assets | 0.8201% | 3,629 |
| Return on assets (ROA) | 0.8201% | 3,641 |
| Pretax return on assets | 1.1294% | 3,054 |
| Return on Equity (ROE) | 7.4399% | 3,617 |
| Retained earnings to average equity (ytd only) | 2.7593% | 4,081 |
| Net charge-offs to loans | 0.0147% | 2,236 |
| Credit loss provision to net charge-offs | 71.4286% | 1,815 |
| Earnings coverage of net charge-offs (x) | 104.9524% | 593 |
| Efficiency ratio | 73.1531% | 2,020 |
| Assets per employee ($millions) | 4.4607% | 3,220 |
| Cash dividends to net income (ytd only)* | 62.9129% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 3,193 |
| Loan loss allowance to noncurrent loans | 132.0041% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9660% | 1,635 |
| Noncurrent loans to loans | 0.8577% | 2,107 |
| Net loans and leases to total assets | 72.4377% | 2,098 |
| Net loans and leases to deposits | 85.0499% | 2,287 |
| Net loans and leases to core deposits | 88.2748% | 2,611 |
| Total domestic deposits to total assets | 85.1708% | 2,873 |
| Equity capital to assets | 11.0102% | 2,567 |
| Core capital (leverage) ratio | 9.0699% | 4,605 |
| Tier 1 risk-based capital ratio | 13.3992% | 3,720 |
| Total risk-based capital ratio | 14.6494% | 3,636 |
| Memoranda: | ||
| Average total assets | $1,550,608,500 | 531 |
| Average earning assets | $1,368,181,500 | 541 |
| Average equity | $170,915,500 | 508 |
| Average total loans | $1,140,612,000 | 505 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 3,817 |
| Cost of funding earning assets | 0.1775% | 5,112 |
| Net interest margin | 3.6934% | 2,819 |
| Noninterest income to average assets | 0.9075% | 1,248 |
| Noninterest expense to average assets | 3.1597% | 1,701 |
| Loan and lease loss provision to assets | 0.1829% | 1,165 |
| Net operating income to assets | 0.4692% | 4,461 |
| Return on assets (ROA) | 0.4288% | 4,617 |
| Pretax return on assets | 0.7482% | 4,391 |
| Return on Equity (ROE) | 3.9341% | 4,523 |
| Retained earnings to average equity (ytd only) | 1.5787% | 4,364 |
| Net charge-offs to loans | 0.1928% | 1,321 |
| Credit loss provision to net charge-offs | 127.5168% | 2,064 |
| Earnings coverage of net charge-offs (x) | 6.9306% | 3,115 |
| Efficiency ratio | 76.0647% | 1,607 |
| Assets per employee ($millions) | 4.4128% | 3,331 |
| Cash dividends to net income (ytd only)* | 59.8713% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 3,207 |
| Loan loss allowance to noncurrent loans | 127.4624% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.0876% | 1,402 |
| Noncurrent loans to loans | 0.8840% | 2,014 |
| Net loans and leases to total assets | 73.0193% | 2,091 |
| Net loans and leases to deposits | 85.7400% | 2,293 |
| Net loans and leases to core deposits | 88.9519% | 2,656 |
| Total domestic deposits to total assets | 85.1636% | 2,770 |
| Equity capital to assets | 11.0348% | 2,599 |
| Core capital (leverage) ratio | 8.9342% | 4,724 |
| Tier 1 risk-based capital ratio | 13.3767% | 3,702 |
| Total risk-based capital ratio | 14.6273% | 3,610 |
| Memoranda: | ||
| Average total assets | $1,557,956,000 | 498 |
| Average earning assets | $1,369,373,200 | 513 |
| Average equity | $169,821,400 | 495 |
| Average total loans | $1,159,268,600 | 474 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,799 |
| Cost of funding earning assets | 0.1713% | 5,187 |
| Net interest margin | 3.6870% | 2,793 |
| Noninterest income to average assets | 0.9079% | 1,247 |
| Noninterest expense to average assets | 3.1312% | 1,719 |
| Loan and lease loss provision to assets | 0.1686% | 1,201 |
| Net operating income to assets | 0.5555% | 4,554 |
| Return on assets (ROA) | 0.5563% | 4,589 |
| Pretax return on assets | 0.8486% | 4,213 |
| Return on Equity (ROE) | 5.1194% | 4,489 |
| Retained earnings to average equity (ytd only) | 2.7602% | 4,253 |
| Net charge-offs to loans | 0.1827% | 1,156 |
| Credit loss provision to net charge-offs | 123.7767% | 1,962 |
| Earnings coverage of net charge-offs (x) | 7.4586% | 2,871 |
| Efficiency ratio | 75.5018% | 1,663 |
| Assets per employee ($millions) | 4.3570% | 3,378 |
| Cash dividends to net income (ytd only)* | 46.0830% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 3,615 |
| Loan loss allowance to noncurrent loans | 100.4206% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.2276% | 1,330 |
| Noncurrent loans to loans | 1.0733% | 1,795 |
| Net loans and leases to total assets | 75.0830% | 1,752 |
| Net loans and leases to deposits | 88.4822% | 1,990 |
| Net loans and leases to core deposits | 91.5718% | 2,486 |
| Total domestic deposits to total assets | 84.8566% | 2,774 |
| Equity capital to assets | 11.0921% | 2,771 |
| Core capital (leverage) ratio | 8.6700% | 5,091 |
| Tier 1 risk-based capital ratio | 12.2931% | 4,436 |
| Total risk-based capital ratio | 13.4859% | 4,369 |
| Memoranda: | ||
| Average total assets | $1,560,223,250 | 503 |
| Average earning assets | $1,370,769,250 | 514 |
| Average equity | $169,547,500 | 500 |
| Average total loans | $1,163,117,000 | 472 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 3,810 |
| Cost of funding earning assets | 0.1614% | 5,264 |
| Net interest margin | 3.6625% | 2,783 |
| Noninterest income to average assets | 0.9186% | 1,216 |
| Noninterest expense to average assets | 3.1120% | 1,809 |
| Loan and lease loss provision to assets | 0.2132% | 836 |
| Net operating income to assets | 0.5202% | 4,652 |
| Return on assets (ROA) | 0.5202% | 4,683 |
| Pretax return on assets | 0.8074% | 4,241 |
| Return on Equity (ROE) | 4.8201% | 4,555 |
| Retained earnings to average equity (ytd only) | 2.4515% | 4,218 |
| Net charge-offs to loans | 0.2244% | 908 |
| Credit loss provision to net charge-offs | 128.2091% | 1,700 |
| Earnings coverage of net charge-offs (x) | 6.1376% | 2,739 |
| Efficiency ratio | 75.3031% | 1,818 |
| Assets per employee ($millions) | 4.4431% | 3,209 |
| Cash dividends to net income (ytd only)* | 49.1400% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 3,711 |
| Loan loss allowance to noncurrent loans | 99.1607% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2260% | 1,386 |
| Noncurrent loans to loans | 1.0850% | 1,810 |
| Net loans and leases to total assets | 74.1070% | 1,844 |
| Net loans and leases to deposits | 86.8325% | 2,130 |
| Net loans and leases to core deposits | 89.5643% | 2,566 |
| Total domestic deposits to total assets | 85.3447% | 2,675 |
| Equity capital to assets | 10.8482% | 2,967 |
| Core capital (leverage) ratio | 8.5090% | 5,212 |
| Tier 1 risk-based capital ratio | 12.0527% | 4,601 |
| Total risk-based capital ratio | 13.2337% | 4,530 |
| Memoranda: | ||
| Average total assets | $1,564,722,670 | 506 |
| Average earning assets | $1,373,118,000 | 516 |
| Average equity | $168,875,000 | 499 |
| Average total loans | $1,159,496,000 | 475 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 3,787 |
| Cost of funding earning assets | 0.1547% | 5,339 |
| Net interest margin | 3.6379% | 2,742 |
| Noninterest income to average assets | 0.8878% | 1,282 |
| Noninterest expense to average assets | 3.1462% | 1,746 |
| Loan and lease loss provision to assets | 0.1725% | 1,022 |
| Net operating income to assets | 0.4909% | 4,637 |
| Return on assets (ROA) | 0.4909% | 4,658 |
| Pretax return on assets | 0.7583% | 4,259 |
| Return on Equity (ROE) | 4.5601% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.5601% | 3,148 |
| Net charge-offs to loans | -0.0257% | 4,862 |
| Credit loss provision to net charge-offs | -910.8108% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1689% | 1,739 |
| Assets per employee ($millions) | 4.3798% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,511 |
| Loan loss allowance to noncurrent loans | 162.8972% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 1,946 |
| Noncurrent loans to loans | 0.6943% | 2,764 |
| Net loans and leases to total assets | 72.6033% | 1,991 |
| Net loans and leases to deposits | 84.5903% | 2,213 |
| Net loans and leases to core deposits | 87.0949% | 2,631 |
| Total domestic deposits to total assets | 85.8293% | 2,749 |
| Equity capital to assets | 10.7921% | 2,864 |
| Core capital (leverage) ratio | 8.5544% | 5,189 |
| Tier 1 risk-based capital ratio | 12.0847% | 4,658 |
| Total risk-based capital ratio | 13.3082% | 4,572 |
| Memoranda: | ||
| Average total assets | $1,562,877,500 | 507 |
| Average earning assets | $1,370,115,500 | 514 |
| Average equity | $168,240,500 | 494 |
| Average total loans | $1,151,771,500 | 476 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 4,124 |
| Cost of funding earning assets | 0.1540% | 5,398 |
| Net interest margin | 3.5762% | 3,162 |
| Noninterest income to average assets | 0.9871% | 1,177 |
| Noninterest expense to average assets | 3.4924% | 1,174 |
| Loan and lease loss provision to assets | 0.2331% | 927 |
| Net operating income to assets | 0.3208% | 5,168 |
| Return on assets (ROA) | 0.2940% | 5,302 |
| Pretax return on assets | 0.3449% | 5,309 |
| Return on Equity (ROE) | 2.6980% | 5,242 |
| Retained earnings to average equity (ytd only) | -0.2603% | 5,343 |
| Net charge-offs to loans | 0.2045% | 1,361 |
| Credit loss provision to net charge-offs | 161.8621% | 1,708 |
| Earnings coverage of net charge-offs (x) | 4.2314% | 3,532 |
| Efficiency ratio | 85.1349% | 892 |
| Assets per employee ($millions) | 4.2679% | 3,496 |
| Cash dividends to net income (ytd only)* | 109.6491% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 3,921 |
| Loan loss allowance to noncurrent loans | 127.8675% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 1.1030% | 1,690 |
| Noncurrent loans to loans | 0.8332% | 2,441 |
| Net loans and leases to total assets | 73.1711% | 1,982 |
| Net loans and leases to deposits | 85.3962% | 2,251 |
| Net loans and leases to core deposits | 87.9582% | 2,680 |
| Total domestic deposits to total assets | 85.6844% | 2,737 |
| Equity capital to assets | 10.7373% | 2,882 |
| Core capital (leverage) ratio | 8.4037% | 5,366 |
| Tier 1 risk-based capital ratio | 11.6338% | 4,965 |
| Total risk-based capital ratio | 12.7693% | 4,943 |
| Memoranda: | ||
| Average total assets | $1,550,965,200 | 493 |
| Average earning assets | $1,350,846,200 | 510 |
| Average equity | $169,016,800 | 479 |
| Average total loans | $1,092,286,000 | 472 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6971% | 4,259 |
| Cost of funding earning assets | 0.1542% | 5,457 |
| Net interest margin | 3.5430% | 3,300 |
| Noninterest income to average assets | 1.0464% | 1,037 |
| Noninterest expense to average assets | 3.3865% | 1,367 |
| Loan and lease loss provision to assets | 0.1689% | 1,349 |
| Net operating income to assets | 0.4216% | 4,956 |
| Return on assets (ROA) | 0.4217% | 5,045 |
| Pretax return on assets | 0.5748% | 4,946 |
| Return on Equity (ROE) | 3.8554% | 4,955 |
| Retained earnings to average equity (ytd only) | 0.7081% | 5,175 |
| Net charge-offs to loans | 0.2096% | 1,112 |
| Credit loss provision to net charge-offs | 115.8205% | 2,147 |
| Earnings coverage of net charge-offs (x) | 5.0998% | 3,176 |
| Efficiency ratio | 81.9896% | 1,189 |
| Assets per employee ($millions) | 4.2489% | 3,512 |
| Cash dividends to net income (ytd only)* | 81.6327% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 4,309 |
| Loan loss allowance to noncurrent loans | 86.4446% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.2802% | 1,506 |
| Noncurrent loans to loans | 1.1773% | 1,907 |
| Net loans and leases to total assets | 70.1793% | 2,462 |
| Net loans and leases to deposits | 82.5750% | 2,659 |
| Net loans and leases to core deposits | 85.1442% | 3,027 |
| Total domestic deposits to total assets | 84.9886% | 2,811 |
| Equity capital to assets | 11.0326% | 2,972 |
| Core capital (leverage) ratio | 8.5440% | 5,324 |
| Tier 1 risk-based capital ratio | 12.1045% | 4,723 |
| Total risk-based capital ratio | 13.1672% | 4,731 |
| Memoranda: | ||
| Average total assets | $1,549,262,000 | 497 |
| Average earning assets | $1,348,367,250 | 514 |
| Average equity | $169,455,000 | 483 |
| Average total loans | $1,077,328,000 | 476 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 4,265 |
| Cost of funding earning assets | 0.1522% | 5,534 |
| Net interest margin | 3.5581% | 3,266 |
| Noninterest income to average assets | 1.0626% | 992 |
| Noninterest expense to average assets | 3.4628% | 1,239 |
| Loan and lease loss provision to assets | 0.1743% | 1,267 |
| Net operating income to assets | 0.3884% | 5,069 |
| Return on assets (ROA) | 0.3886% | 5,147 |
| Pretax return on assets | 0.5176% | 5,100 |
| Return on Equity (ROE) | 3.5632% | 5,070 |
| Retained earnings to average equity (ytd only) | 0.0142% | 5,284 |
| Net charge-offs to loans | 0.2941% | 810 |
| Credit loss provision to net charge-offs | 85.7778% | 2,300 |
| Earnings coverage of net charge-offs (x) | 3.4038% | 3,116 |
| Efficiency ratio | 83.3385% | 1,106 |
| Assets per employee ($millions) | 4.2161% | 3,531 |
| Cash dividends to net income (ytd only)* | 99.6016% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 4,586 |
| Loan loss allowance to noncurrent loans | 59.3029% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 1.8306% | 929 |
| Noncurrent loans to loans | 1.6641% | 1,280 |
| Net loans and leases to total assets | 68.4293% | 2,721 |
| Net loans and leases to deposits | 80.1562% | 2,912 |
| Net loans and leases to core deposits | 82.6566% | 3,215 |
| Total domestic deposits to total assets | 85.3700% | 2,701 |
| Equity capital to assets | 10.8978% | 3,166 |
| Core capital (leverage) ratio | 8.4051% | 5,442 |
| Tier 1 risk-based capital ratio | 12.1614% | 4,719 |
| Total risk-based capital ratio | 13.1934% | 4,778 |
| Memoranda: | ||
| Average total assets | $1,550,154,330 | 493 |
| Average earning assets | $1,347,023,330 | 515 |
| Average equity | $169,063,670 | 485 |
| Average total loans | $1,070,923,000 | 475 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7686% | 4,065 |
| Cost of funding earning assets | 0.1529% | 5,586 |
| Net interest margin | 3.6156% | 3,023 |
| Noninterest income to average assets | 1.0752% | 935 |
| Noninterest expense to average assets | 3.5286% | 1,137 |
| Loan and lease loss provision to assets | 0.1524% | 1,387 |
| Net operating income to assets | 0.4014% | 4,994 |
| Return on assets (ROA) | 0.4018% | 5,070 |
| Pretax return on assets | 0.5381% | 4,983 |
| Return on Equity (ROE) | 3.6825% | 5,002 |
| Retained earnings to average equity (ytd only) | -1.0691% | 5,288 |
| Net charge-offs to loans | 0.2094% | 960 |
| Credit loss provision to net charge-offs | 105.3763% | 1,559 |
| Earnings coverage of net charge-offs (x) | 4.7706% | 2,395 |
| Efficiency ratio | 83.6190% | 1,195 |
| Assets per employee ($millions) | 4.1705% | 3,642 |
| Cash dividends to net income (ytd only)* | 129.0323% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 4,579 |
| Loan loss allowance to noncurrent loans | 66.1018% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.8030% | 1,032 |
| Noncurrent loans to loans | 1.5196% | 1,541 |
| Net loans and leases to total assets | 69.1964% | 2,472 |
| Net loans and leases to deposits | 80.8857% | 2,686 |
| Net loans and leases to core deposits | 83.2425% | 3,014 |
| Total domestic deposits to total assets | 85.5484% | 2,888 |
| Equity capital to assets | 10.8698% | 3,085 |
| Core capital (leverage) ratio | 8.5150% | 5,379 |
| Tier 1 risk-based capital ratio | 12.2700% | 4,737 |
| Total risk-based capital ratio | 13.3396% | 4,765 |
| Memoranda: | ||
| Average total assets | $1,543,149,000 | 494 |
| Average earning assets | $1,341,626,500 | 516 |
| Average equity | $168,365,500 | 485 |
| Average total loans | $1,065,877,000 | 477 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6761% | 4,437 |
| Cost of funding earning assets | 0.1674% | 5,553 |
| Net interest margin | 3.5087% | 3,492 |
| Noninterest income to average assets | 1.1119% | 948 |
| Noninterest expense to average assets | 3.5363% | 1,236 |
| Loan and lease loss provision to assets | 0.0158% | 4,096 |
| Net operating income to assets | 0.4408% | 4,912 |
| Return on assets (ROA) | 0.4563% | 4,945 |
| Pretax return on assets | 0.6347% | 4,723 |
| Return on Equity (ROE) | 4.0898% | 4,900 |
| Retained earnings to average equity (ytd only) | -0.6179% | 5,611 |
| Net charge-offs to loans | 0.3507% | 846 |
| Credit loss provision to net charge-offs | 6.8906% | 3,847 |
| Earnings coverage of net charge-offs (x) | 2.7496% | 3,835 |
| Efficiency ratio | 84.7936% | 1,114 |
| Assets per employee ($millions) | 3.9149% | 4,092 |
| Cash dividends to net income (ytd only)* | 115.1079% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 4,364 |
| Loan loss allowance to noncurrent loans | 62.5258% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 1.9021% | 957 |
| Noncurrent loans to loans | 1.6679% | 1,364 |
| Net loans and leases to total assets | 67.5196% | 2,783 |
| Net loans and leases to deposits | 78.8427% | 2,956 |
| Net loans and leases to core deposits | 81.0906% | 3,235 |
| Total domestic deposits to total assets | 85.6384% | 2,793 |
| Equity capital to assets | 10.9519% | 2,873 |
| Core capital (leverage) ratio | 8.6711% | 5,247 |
| Tier 1 risk-based capital ratio | 12.8999% | 4,387 |
| Total risk-based capital ratio | 14.0022% | 4,380 |
| Memoranda: | ||
| Average total assets | $1,522,982,600 | 466 |
| Average earning assets | $1,325,286,600 | 493 |
| Average equity | $169,934,400 | 468 |
| Average total loans | $993,172,000 | 483 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 4,596 |
| Cost of funding earning assets | 0.1697% | 5,632 |
| Net interest margin | 3.4727% | 3,650 |
| Noninterest income to average assets | 1.1230% | 955 |
| Noninterest expense to average assets | 3.5560% | 1,185 |
| Loan and lease loss provision to assets | -0.0209% | 5,847 |
| Net operating income to assets | 0.4319% | 5,042 |
| Return on assets (ROA) | 0.4524% | 5,054 |
| Pretax return on assets | 0.6372% | 4,876 |
| Return on Equity (ROE) | 4.0357% | 5,023 |
| Retained earnings to average equity (ytd only) | -0.6561% | 5,711 |
| Net charge-offs to loans | 0.3649% | 715 |
| Credit loss provision to net charge-offs | -8.9079% | 4,844 |
| Earnings coverage of net charge-offs (x) | 2.4976% | 3,665 |
| Efficiency ratio | 85.6968% | 1,019 |
| Assets per employee ($millions) | 3.8565% | 4,166 |
| Cash dividends to net income (ytd only)* | 116.2566% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0896% | 4,288 |
| Loan loss allowance to noncurrent loans | 52.8940% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.1578% | 899 |
| Noncurrent loans to loans | 2.0599% | 1,114 |
| Net loans and leases to total assets | 67.5064% | 2,770 |
| Net loans and leases to deposits | 79.1820% | 2,968 |
| Net loans and leases to core deposits | 81.5003% | 3,308 |
| Total domestic deposits to total assets | 85.2547% | 2,908 |
| Equity capital to assets | 11.2708% | 2,730 |
| Core capital (leverage) ratio | 8.7086% | 5,343 |
| Tier 1 risk-based capital ratio | 13.2282% | 4,303 |
| Total risk-based capital ratio | 14.3953% | 4,272 |
| Memoranda: | ||
| Average total assets | $1,521,050,750 | 472 |
| Average earning assets | $1,322,990,000 | 492 |
| Average equity | $170,507,500 | 472 |
| Average total loans | $980,359,750 | 487 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,698 |
| Cost of funding earning assets | 0.1715% | 5,684 |
| Net interest margin | 3.4367% | 3,766 |
| Noninterest income to average assets | 1.1168% | 969 |
| Noninterest expense to average assets | 3.5735% | 1,174 |
| Loan and lease loss provision to assets | -0.0712% | 6,054 |
| Net operating income to assets | 0.4219% | 5,077 |
| Return on assets (ROA) | 0.4521% | 5,066 |
| Pretax return on assets | 0.6497% | 4,825 |
| Return on Equity (ROE) | 4.0400% | 5,004 |
| Retained earnings to average equity (ytd only) | -0.6468% | 5,636 |
| Net charge-offs to loans | 0.0705% | 2,382 |
| Credit loss provision to net charge-offs | -159.7059% | 4,986 |
| Earnings coverage of net charge-offs (x) | 12.0088% | 2,247 |
| Efficiency ratio | 86.8279% | 992 |
| Assets per employee ($millions) | 3.8270% | 4,212 |
| Cash dividends to net income (ytd only)* | 116.0093% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 3,105 |
| Loan loss allowance to noncurrent loans | 52.9868% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.2113% | 944 |
| Noncurrent loans to loans | 2.5029% | 891 |
| Net loans and leases to total assets | 64.4117% | 3,205 |
| Net loans and leases to deposits | 75.1463% | 3,371 |
| Net loans and leases to core deposits | 77.1501% | 3,648 |
| Total domestic deposits to total assets | 85.7151% | 2,836 |
| Equity capital to assets | 11.1097% | 2,770 |
| Core capital (leverage) ratio | 8.6170% | 5,418 |
| Tier 1 risk-based capital ratio | 13.8065% | 4,030 |
| Total risk-based capital ratio | 15.0690% | 3,957 |
| Memoranda: | ||
| Average total assets | $1,525,436,670 | 470 |
| Average earning assets | $1,328,073,000 | 490 |
| Average equity | $170,693,000 | 476 |
| Average total loans | $964,100,670 | 493 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6274% | 4,604 |
| Cost of funding earning assets | 0.1745% | 5,727 |
| Net interest margin | 3.4529% | 3,619 |
| Noninterest income to average assets | 1.1130% | 915 |
| Noninterest expense to average assets | 3.6707% | 1,040 |
| Loan and lease loss provision to assets | -0.1573% | 6,240 |
| Net operating income to assets | 0.4053% | 5,055 |
| Return on assets (ROA) | 0.4053% | 5,165 |
| Pretax return on assets | 0.6042% | 4,906 |
| Return on Equity (ROE) | 3.6092% | 5,136 |
| Retained earnings to average equity (ytd only) | -1.0690% | 5,570 |
| Net charge-offs to loans | -0.0972% | 5,847 |
| Credit loss provision to net charge-offs | 260.4348% | 902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9888% | 939 |
| Assets per employee ($millions) | 3.7232% | 4,468 |
| Cash dividends to net income (ytd only)* | 129.6176% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4567% | 2,641 |
| Loan loss allowance to noncurrent loans | 57.9768% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.2416% | 1,015 |
| Noncurrent loans to loans | 2.5125% | 963 |
| Net loans and leases to total assets | 60.7105% | 3,559 |
| Net loans and leases to deposits | 71.4415% | 3,599 |
| Net loans and leases to core deposits | 72.8381% | 3,891 |
| Total domestic deposits to total assets | 84.9793% | 3,417 |
| Equity capital to assets | 11.1804% | 2,776 |
| Core capital (leverage) ratio | 8.6996% | 5,329 |
| Tier 1 risk-based capital ratio | 14.4500% | 3,747 |
| Total risk-based capital ratio | 15.7222% | 3,659 |
| Memoranda: | ||
| Average total assets | $1,522,765,000 | 470 |
| Average earning assets | $1,325,028,500 | 492 |
| Average equity | $171,007,000 | 473 |
| Average total loans | $946,524,500 | 497 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8657% | 4,265 |
| Cost of funding earning assets | 0.1885% | 5,846 |
| Net interest margin | 3.6772% | 3,091 |
| Noninterest income to average assets | 1.0150% | 1,185 |
| Noninterest expense to average assets | 3.4955% | 1,494 |
| Loan and lease loss provision to assets | -0.1461% | 6,226 |
| Net operating income to assets | 0.5960% | 4,390 |
| Return on assets (ROA) | 0.5670% | 4,611 |
| Pretax return on assets | 0.8078% | 4,227 |
| Return on Equity (ROE) | 4.8771% | 4,724 |
| Retained earnings to average equity (ytd only) | 2.6774% | 4,338 |
| Net charge-offs to loans | 0.2631% | 1,643 |
| Credit loss provision to net charge-offs | -88.9066% | 5,499 |
| Earnings coverage of net charge-offs (x) | 4.2793% | 3,695 |
| Efficiency ratio | 83.0012% | 1,523 |
| Assets per employee ($millions) | 3.7048% | 4,516 |
| Cash dividends to net income (ytd only)* | 45.1023% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 2,524 |
| Loan loss allowance to noncurrent loans | 51.7860% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 2.4236% | 959 |
| Noncurrent loans to loans | 2.8792% | 798 |
| Net loans and leases to total assets | 61.7816% | 3,532 |
| Net loans and leases to deposits | 72.8487% | 3,574 |
| Net loans and leases to core deposits | 74.2914% | 3,896 |
| Total domestic deposits to total assets | 84.8082% | 3,368 |
| Equity capital to assets | 11.2804% | 2,620 |
| Core capital (leverage) ratio | 8.8254% | 5,218 |
| Tier 1 risk-based capital ratio | 14.2375% | 3,935 |
| Total risk-based capital ratio | 15.5031% | 3,859 |
| Memoranda: | ||
| Average total assets | $1,525,107,600 | 454 |
| Average earning assets | $1,320,420,400 | 481 |
| Average equity | $177,299,200 | 445 |
| Average total loans | $952,554,400 | 473 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9169% | 4,109 |
| Cost of funding earning assets | 0.1888% | 5,925 |
| Net interest margin | 3.7280% | 2,910 |
| Noninterest income to average assets | 1.0154% | 1,186 |
| Noninterest expense to average assets | 3.5497% | 1,377 |
| Loan and lease loss provision to assets | -0.1096% | 6,289 |
| Net operating income to assets | 0.5645% | 4,615 |
| Return on assets (ROA) | 0.5605% | 4,704 |
| Pretax return on assets | 0.7967% | 4,377 |
| Return on Equity (ROE) | 4.7858% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.6257% | 4,722 |
| Net charge-offs to loans | 0.2321% | 1,654 |
| Credit loss provision to net charge-offs | -75.7229% | 5,407 |
| Earnings coverage of net charge-offs (x) | 4.7849% | 3,383 |
| Efficiency ratio | 83.4015% | 1,462 |
| Assets per employee ($millions) | 3.6864% | 4,514 |
| Cash dividends to net income (ytd only)* | 45.1362% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 2,099 |
| Loan loss allowance to noncurrent loans | 73.3661% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.2183% | 1,244 |
| Noncurrent loans to loans | 2.2624% | 1,329 |
| Net loans and leases to total assets | 62.5305% | 3,402 |
| Net loans and leases to deposits | 74.4958% | 3,372 |
| Net loans and leases to core deposits | 75.8679% | 3,764 |
| Total domestic deposits to total assets | 83.9383% | 3,792 |
| Equity capital to assets | 12.0710% | 1,998 |
| Core capital (leverage) ratio | 9.4888% | 4,396 |
| Tier 1 risk-based capital ratio | 14.0908% | 4,151 |
| Total risk-based capital ratio | 15.3559% | 4,075 |
| Memoranda: | ||
| Average total assets | $1,528,492,750 | 452 |
| Average earning assets | $1,323,168,500 | 476 |
| Average equity | $178,996,250 | 439 |
| Average total loans | $953,691,500 | 470 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9198% | 4,051 |
| Cost of funding earning assets | 0.1897% | 6,004 |
| Net interest margin | 3.7301% | 2,842 |
| Noninterest income to average assets | 1.0027% | 1,189 |
| Noninterest expense to average assets | 3.5095% | 1,460 |
| Loan and lease loss provision to assets | 0.0051% | 4,130 |
| Net operating income to assets | 0.5107% | 4,767 |
| Return on assets (ROA) | 0.5125% | 4,854 |
| Pretax return on assets | 0.7176% | 4,579 |
| Return on Equity (ROE) | 4.4207% | 4,956 |
| Retained earnings to average equity (ytd only) | 2.0028% | 4,879 |
| Net charge-offs to loans | 0.2595% | 1,512 |
| Credit loss provision to net charge-offs | 3.1605% | 3,376 |
| Earnings coverage of net charge-offs (x) | 4.4773% | 3,102 |
| Efficiency ratio | 82.6820% | 1,671 |
| Assets per employee ($millions) | 3.7171% | 4,424 |
| Cash dividends to net income (ytd only)* | 54.6935% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8461% | 1,715 |
| Loan loss allowance to noncurrent loans | 75.3271% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 2.4599% | 1,160 |
| Noncurrent loans to loans | 2.4507% | 1,278 |
| Net loans and leases to total assets | 61.0658% | 3,553 |
| Net loans and leases to deposits | 72.3202% | 3,535 |
| Net loans and leases to core deposits | 73.6468% | 3,875 |
| Total domestic deposits to total assets | 84.4380% | 3,755 |
| Equity capital to assets | 11.7964% | 2,159 |
| Core capital (leverage) ratio | 9.2091% | 4,727 |
| Tier 1 risk-based capital ratio | 13.5521% | 4,551 |
| Total risk-based capital ratio | 14.8188% | 4,480 |
| Memoranda: | ||
| Average total assets | $1,534,182,000 | 450 |
| Average earning assets | $1,327,254,000 | 471 |
| Average equity | $177,847,000 | 438 |
| Average total loans | $951,237,330 | 467 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8816% | 4,157 |
| Cost of funding earning assets | 0.1907% | 6,073 |
| Net interest margin | 3.6909% | 2,897 |
| Noninterest income to average assets | 1.0129% | 1,105 |
| Noninterest expense to average assets | 3.5727% | 1,356 |
| Loan and lease loss provision to assets | -0.0010% | 6,360 |
| Net operating income to assets | 0.4598% | 4,897 |
| Return on assets (ROA) | 0.4598% | 4,967 |
| Pretax return on assets | 0.6306% | 4,723 |
| Return on Equity (ROE) | 4.0021% | 5,034 |
| Retained earnings to average equity (ytd only) | 0.8204% | 5,263 |
| Net charge-offs to loans | 0.2413% | 1,356 |
| Credit loss provision to net charge-offs | -0.6993% | 4,632 |
| Earnings coverage of net charge-offs (x) | 4.2150% | 2,557 |
| Efficiency ratio | 84.7076% | 1,592 |
| Assets per employee ($millions) | 3.7106% | 4,495 |
| Cash dividends to net income (ytd only)* | 79.5003% | 973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9307% | 1,670 |
| Loan loss allowance to noncurrent loans | 80.6783% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.4540% | 1,308 |
| Noncurrent loans to loans | 2.3931% | 1,468 |
| Net loans and leases to total assets | 60.1952% | 3,535 |
| Net loans and leases to deposits | 70.2669% | 3,566 |
| Net loans and leases to core deposits | 71.9867% | 3,871 |
| Total domestic deposits to total assets | 85.6665% | 3,526 |
| Equity capital to assets | 11.5202% | 2,229 |
| Core capital (leverage) ratio | 9.1364% | 4,813 |
| Tier 1 risk-based capital ratio | 13.3329% | 4,806 |
| Total risk-based capital ratio | 14.6006% | 4,730 |
| Memoranda: | ||
| Average total assets | $1,531,842,000 | 455 |
| Average earning assets | $1,323,687,500 | 469 |
| Average equity | $176,005,500 | 443 |
| Average total loans | $948,160,000 | 462 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 4,301 |
| Cost of funding earning assets | 0.2101% | 6,230 |
| Net interest margin | 3.7350% | 2,922 |
| Noninterest income to average assets | 1.0722% | 1,230 |
| Noninterest expense to average assets | 3.5056% | 1,634 |
| Loan and lease loss provision to assets | 0.0315% | 4,485 |
| Net operating income to assets | 0.5123% | 4,676 |
| Return on assets (ROA) | 0.5940% | 4,404 |
| Pretax return on assets | 0.8850% | 3,823 |
| Return on Equity (ROE) | 5.1521% | 4,561 |
| Retained earnings to average equity (ytd only) | 3.7639% | 3,530 |
| Net charge-offs to loans | 0.7234% | 895 |
| Credit loss provision to net charge-offs | 6.9523% | 4,624 |
| Earnings coverage of net charge-offs (x) | 1.7542% | 4,461 |
| Efficiency ratio | 81.1348% | 2,004 |
| Assets per employee ($millions) | 3.7166% | 4,444 |
| Cash dividends to net income (ytd only)* | 26.9438% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9886% | 1,583 |
| Loan loss allowance to noncurrent loans | 82.4586% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 2.3143% | 1,515 |
| Noncurrent loans to loans | 2.4116% | 1,586 |
| Net loans and leases to total assets | 61.1798% | 3,502 |
| Net loans and leases to deposits | 71.4401% | 3,602 |
| Net loans and leases to core deposits | 72.8119% | 3,975 |
| Total domestic deposits to total assets | 85.6380% | 3,439 |
| Equity capital to assets | 11.4590% | 2,201 |
| Core capital (leverage) ratio | 9.1468% | 4,787 |
| Tier 1 risk-based capital ratio | 13.2073% | 4,847 |
| Total risk-based capital ratio | 14.4759% | 4,777 |
| Memoranda: | ||
| Average total assets | $1,530,769,000 | 448 |
| Average earning assets | $1,322,944,000 | 466 |
| Average equity | $176,490,200 | 431 |
| Average total loans | $958,375,600 | 446 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9247% | 4,411 |
| Cost of funding earning assets | 0.2145% | 6,326 |
| Net interest margin | 3.7102% | 2,993 |
| Noninterest income to average assets | 1.1384% | 1,129 |
| Noninterest expense to average assets | 3.5366% | 1,530 |
| Loan and lease loss provision to assets | 0.2124% | 1,714 |
| Net operating income to assets | 0.4168% | 5,176 |
| Return on assets (ROA) | 0.4314% | 5,255 |
| Pretax return on assets | 0.6172% | 4,961 |
| Return on Equity (ROE) | 3.7356% | 5,341 |
| Retained earnings to average equity (ytd only) | 1.8908% | 5,185 |
| Net charge-offs to loans | 0.6682% | 904 |
| Credit loss provision to net charge-offs | 50.7373% | 3,480 |
| Earnings coverage of net charge-offs (x) | 1.9319% | 4,180 |
| Efficiency ratio | 80.9873% | 1,971 |
| Assets per employee ($millions) | 3.6150% | 4,629 |
| Cash dividends to net income (ytd only)* | 49.3853% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4389% | 1,000 |
| Loan loss allowance to noncurrent loans | 69.0955% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.9618% | 1,252 |
| Noncurrent loans to loans | 3.5297% | 1,075 |
| Net loans and leases to total assets | 60.8949% | 3,543 |
| Net loans and leases to deposits | 71.0969% | 3,624 |
| Net loans and leases to core deposits | 72.5906% | 4,018 |
| Total domestic deposits to total assets | 85.6506% | 3,428 |
| Equity capital to assets | 11.3530% | 2,429 |
| Core capital (leverage) ratio | 8.8568% | 5,314 |
| Tier 1 risk-based capital ratio | 12.7677% | 5,283 |
| Total risk-based capital ratio | 14.0422% | 5,198 |
| Memoranda: | ||
| Average total assets | $1,533,437,750 | 448 |
| Average earning assets | $1,325,458,500 | 469 |
| Average equity | $177,066,000 | 430 |
| Average total loans | $960,754,500 | 441 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9422% | 4,316 |
| Cost of funding earning assets | 0.2150% | 6,403 |
| Net interest margin | 3.7273% | 2,861 |
| Noninterest income to average assets | 1.1235% | 1,210 |
| Noninterest expense to average assets | 3.5026% | 1,603 |
| Loan and lease loss provision to assets | 0.2690% | 1,374 |
| Net operating income to assets | 0.4065% | 5,193 |
| Return on assets (ROA) | 0.4144% | 5,326 |
| Pretax return on assets | 0.5880% | 5,062 |
| Return on Equity (ROE) | 3.5690% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.5583% | 5,245 |
| Net charge-offs to loans | 0.5274% | 1,254 |
| Credit loss provision to net charge-offs | 81.3015% | 2,603 |
| Earnings coverage of net charge-offs (x) | 2.5563% | 3,666 |
| Efficiency ratio | 80.1360% | 2,133 |
| Assets per employee ($millions) | 3.5734% | 4,696 |
| Cash dividends to net income (ytd only)* | 56.3380% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5764% | 903 |
| Loan loss allowance to noncurrent loans | 67.4861% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 3.3572% | 1,164 |
| Noncurrent loans to loans | 3.8176% | 1,061 |
| Net loans and leases to total assets | 61.4228% | 3,401 |
| Net loans and leases to deposits | 71.6712% | 3,501 |
| Net loans and leases to core deposits | 73.2491% | 3,897 |
| Total domestic deposits to total assets | 85.7009% | 3,527 |
| Equity capital to assets | 11.7117% | 2,120 |
| Core capital (leverage) ratio | 9.2522% | 4,622 |
| Tier 1 risk-based capital ratio | 13.2662% | 4,945 |
| Total risk-based capital ratio | 14.5381% | 4,872 |
| Memoranda: | ||
| Average total assets | $1,542,093,000 | 447 |
| Average earning assets | $1,334,220,670 | 460 |
| Average equity | $179,040,330 | 428 |
| Average total loans | $967,365,330 | 438 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 4,557 |
| Cost of funding earning assets | 0.2170% | 6,491 |
| Net interest margin | 3.6617% | 3,026 |
| Noninterest income to average assets | 1.1421% | 1,145 |
| Noninterest expense to average assets | 3.5293% | 1,560 |
| Loan and lease loss provision to assets | 0.3779% | 846 |
| Net operating income to assets | 0.3017% | 5,560 |
| Return on assets (ROA) | 0.3185% | 5,631 |
| Pretax return on assets | 0.4268% | 5,480 |
| Return on Equity (ROE) | 2.7553% | 5,686 |
| Retained earnings to average equity (ytd only) | 0.7441% | 5,534 |
| Net charge-offs to loans | 0.4153% | 1,413 |
| Credit loss provision to net charge-offs | 145.4274% | 1,395 |
| Earnings coverage of net charge-offs (x) | 3.0099% | 2,870 |
| Efficiency ratio | 81.4260% | 2,127 |
| Assets per employee ($millions) | 3.6529% | 4,669 |
| Cash dividends to net income (ytd only)* | 72.9927% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6677% | 948 |
| Loan loss allowance to noncurrent loans | 63.4620% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 3.6653% | 1,136 |
| Noncurrent loans to loans | 4.2037% | 1,046 |
| Net loans and leases to total assets | 61.0084% | 3,246 |
| Net loans and leases to deposits | 71.8281% | 3,202 |
| Net loans and leases to core deposits | 73.0005% | 3,703 |
| Total domestic deposits to total assets | 84.9367% | 4,071 |
| Equity capital to assets | 11.6301% | 2,307 |
| Core capital (leverage) ratio | 8.9951% | 4,898 |
| Tier 1 risk-based capital ratio | 13.1037% | 5,143 |
| Total risk-based capital ratio | 14.3791% | 5,075 |
| Memoranda: | ||
| Average total assets | $1,548,425,500 | 447 |
| Average earning assets | $1,340,252,500 | 461 |
| Average equity | $178,999,500 | 430 |
| Average total loans | $968,917,500 | 438 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 5,457 |
| Cost of funding earning assets | 0.4123% | 5,834 |
| Net interest margin | 3.5323% | 4,364 |
| Noninterest income to average assets | 1.0482% | 1,410 |
| Noninterest expense to average assets | 3.3339% | 2,243 |
| Loan and lease loss provision to assets | 0.4818% | 1,272 |
| Net operating income to assets | 0.2511% | 5,633 |
| Return on assets (ROA) | 0.3216% | 5,603 |
| Pretax return on assets | 0.3921% | 5,594 |
| Return on Equity (ROE) | 2.8868% | 5,593 |
| Retained earnings to average equity (ytd only) | 1.2378% | 5,253 |
| Net charge-offs to loans | 1.0585% | 1,011 |
| Credit loss provision to net charge-offs | 76.6465% | 3,941 |
| Earnings coverage of net charge-offs (x) | 1.2535% | 4,835 |
| Efficiency ratio | 80.3759% | 2,103 |
| Assets per employee ($millions) | 3.6339% | 4,699 |
| Cash dividends to net income (ytd only)* | 57.1211% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6060% | 1,013 |
| Loan loss allowance to noncurrent loans | 63.6757% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 3.6690% | 1,210 |
| Noncurrent loans to loans | 4.0927% | 1,132 |
| Net loans and leases to total assets | 60.8411% | 3,447 |
| Net loans and leases to deposits | 72.7975% | 3,282 |
| Net loans and leases to core deposits | 74.7177% | 3,691 |
| Total domestic deposits to total assets | 83.5759% | 4,509 |
| Equity capital to assets | 11.4908% | 2,457 |
| Core capital (leverage) ratio | 9.0111% | 4,877 |
| Tier 1 risk-based capital ratio | 13.0628% | 5,063 |
| Total risk-based capital ratio | 14.3381% | 4,992 |
| Memoranda: | ||
| Average total assets | $1,632,913,800 | 417 |
| Average earning assets | $1,420,825,800 | 427 |
| Average equity | $181,929,800 | 411 |
| Average total loans | $969,629,000 | 429 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9639% | 5,624 |
| Cost of funding earning assets | 0.4393% | 5,870 |
| Net interest margin | 3.5246% | 4,546 |
| Noninterest income to average assets | 0.9493% | 1,671 |
| Noninterest expense to average assets | 3.2490% | 2,428 |
| Loan and lease loss provision to assets | 0.3673% | 1,770 |
| Net operating income to assets | 0.2974% | 5,624 |
| Return on assets (ROA) | 0.3809% | 5,535 |
| Pretax return on assets | 0.5189% | 5,407 |
| Return on Equity (ROE) | 3.4439% | 5,514 |
| Retained earnings to average equity (ytd only) | 1.7657% | 5,445 |
| Net charge-offs to loans | 0.8517% | 1,293 |
| Credit loss provision to net charge-offs | 73.5261% | 3,807 |
| Earnings coverage of net charge-offs (x) | 1.5450% | 4,507 |
| Efficiency ratio | 80.2725% | 2,055 |
| Assets per employee ($millions) | 3.6082% | 4,741 |
| Cash dividends to net income (ytd only)* | 48.7288% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7106% | 970 |
| Loan loss allowance to noncurrent loans | 64.1936% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 3.6543% | 1,359 |
| Noncurrent loans to loans | 4.2226% | 1,167 |
| Net loans and leases to total assets | 59.3599% | 3,899 |
| Net loans and leases to deposits | 71.1048% | 3,732 |
| Net loans and leases to core deposits | 73.2233% | 4,085 |
| Total domestic deposits to total assets | 83.4823% | 4,445 |
| Equity capital to assets | 11.3818% | 2,870 |
| Core capital (leverage) ratio | 8.8258% | 5,304 |
| Tier 1 risk-based capital ratio | 13.2541% | 5,054 |
| Total risk-based capital ratio | 14.5325% | 4,997 |
| Memoranda: | ||
| Average total assets | $1,652,314,750 | 411 |
| Average earning assets | $1,439,926,750 | 421 |
| Average equity | $182,733,000 | 405 |
| Average total loans | $969,139,250 | 432 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9609% | 5,756 |
| Cost of funding earning assets | 0.4660% | 5,861 |
| Net interest margin | 3.4949% | 4,688 |
| Noninterest income to average assets | 0.8652% | 1,908 |
| Noninterest expense to average assets | 3.2016% | 2,586 |
| Loan and lease loss provision to assets | 0.3092% | 2,134 |
| Net operating income to assets | 0.2893% | 5,656 |
| Return on assets (ROA) | 0.4110% | 5,407 |
| Pretax return on assets | 0.5692% | 5,250 |
| Return on Equity (ROE) | 3.7504% | 5,382 |
| Retained earnings to average equity (ytd only) | 2.0096% | 5,196 |
| Net charge-offs to loans | 0.7716% | 1,425 |
| Credit loss provision to net charge-offs | 69.1836% | 3,582 |
| Earnings coverage of net charge-offs (x) | 1.5875% | 4,202 |
| Efficiency ratio | 81.3066% | 1,986 |
| Assets per employee ($millions) | 3.5814% | 4,787 |
| Cash dividends to net income (ytd only)* | 46.4172% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7575% | 983 |
| Loan loss allowance to noncurrent loans | 63.6902% | 4,472 |
| Noncurrent assets plus other real estate owned to assets | 3.5331% | 1,506 |
| Noncurrent loans to loans | 4.3296% | 1,242 |
| Net loans and leases to total assets | 57.1063% | 4,309 |
| Net loans and leases to deposits | 68.1436% | 4,172 |
| Net loans and leases to core deposits | 70.2499% | 4,506 |
| Total domestic deposits to total assets | 83.8028% | 4,401 |
| Equity capital to assets | 11.2815% | 2,814 |
| Core capital (leverage) ratio | 8.8938% | 5,057 |
| Tier 1 risk-based capital ratio | 13.9648% | 4,470 |
| Total risk-based capital ratio | 15.2437% | 4,416 |
| Memoranda: | ||
| Average total assets | $1,677,488,330 | 409 |
| Average earning assets | $1,461,889,330 | 417 |
| Average equity | $183,821,330 | 401 |
| Average total loans | $971,498,330 | 433 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9473% | 5,907 |
| Cost of funding earning assets | 0.5019% | 5,808 |
| Net interest margin | 3.4454% | 4,930 |
| Noninterest income to average assets | 0.7280% | 2,509 |
| Noninterest expense to average assets | 3.2715% | 2,381 |
| Loan and lease loss provision to assets | 0.2391% | 2,555 |
| Net operating income to assets | 0.2113% | 5,951 |
| Return on assets (ROA) | 0.2113% | 6,098 |
| Pretax return on assets | 0.2316% | 6,129 |
| Return on Equity (ROE) | 1.9562% | 6,087 |
| Retained earnings to average equity (ytd only) | 0.2096% | 5,912 |
| Net charge-offs to loans | 0.6593% | 1,483 |
| Credit loss provision to net charge-offs | 63.0597% | 3,057 |
| Earnings coverage of net charge-offs (x) | 1.2413% | 3,715 |
| Efficiency ratio | 86.8288% | 1,395 |
| Assets per employee ($millions) | 3.7873% | 4,457 |
| Cash dividends to net income (ytd only)* | 89.2857% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7759% | 1,031 |
| Loan loss allowance to noncurrent loans | 63.7214% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 3.4504% | 1,667 |
| Noncurrent loans to loans | 4.3563% | 1,365 |
| Net loans and leases to total assets | 56.2394% | 4,340 |
| Net loans and leases to deposits | 66.7677% | 4,266 |
| Net loans and leases to core deposits | 69.3212% | 4,521 |
| Total domestic deposits to total assets | 84.2315% | 4,385 |
| Equity capital to assets | 10.8931% | 3,037 |
| Core capital (leverage) ratio | 8.6175% | 5,417 |
| Tier 1 risk-based capital ratio | 13.5860% | 4,763 |
| Total risk-based capital ratio | 14.8651% | 4,725 |
| Memoranda: | ||
| Average total assets | $1,696,097,500 | 404 |
| Average earning assets | $1,483,844,000 | 413 |
| Average equity | $183,208,500 | 397 |
| Average total loans | $975,618,000 | 428 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2537% | 5,905 |
| Cost of funding earning assets | 0.6941% | 5,578 |
| Net interest margin | 3.5595% | 4,896 |
| Noninterest income to average assets | 0.8874% | 1,719 |
| Noninterest expense to average assets | 3.1433% | 3,051 |
| Loan and lease loss provision to assets | 0.9851% | 966 |
| Net operating income to assets | 0.0508% | 5,963 |
| Return on assets (ROA) | 0.1155% | 5,953 |
| Pretax return on assets | -0.0338% | 6,160 |
| Return on Equity (ROE) | 1.1041% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.1041% | 5,340 |
| Net charge-offs to loans | 1.4317% | 1,135 |
| Credit loss provision to net charge-offs | 116.9901% | 2,757 |
| Earnings coverage of net charge-offs (x) | 1.0097% | 5,031 |
| Efficiency ratio | 78.0857% | 2,578 |
| Assets per employee ($millions) | 3.7266% | 4,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8452% | 933 |
| Loan loss allowance to noncurrent loans | 62.2015% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 3.5442% | 1,669 |
| Noncurrent loans to loans | 4.5742% | 1,305 |
| Net loans and leases to total assets | 55.5727% | 4,784 |
| Net loans and leases to deposits | 65.7682% | 4,771 |
| Net loans and leases to core deposits | 68.5078% | 4,969 |
| Total domestic deposits to total assets | 84.4978% | 4,101 |
| Equity capital to assets | 10.7112% | 3,292 |
| Core capital (leverage) ratio | 8.8347% | 5,049 |
| Tier 1 risk-based capital ratio | 14.1120% | 4,246 |
| Total risk-based capital ratio | 15.3918% | 4,178 |
| Memoranda: | ||
| Average total assets | $1,719,570,400 | 393 |
| Average earning assets | $1,500,570,000 | 393 |
| Average equity | $179,879,800 | 391 |
| Average total loans | $1,011,323,600 | 416 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2895% | 5,979 |
| Cost of funding earning assets | 0.7239% | 5,635 |
| Net interest margin | 3.5656% | 4,918 |
| Noninterest income to average assets | 0.8616% | 1,790 |
| Noninterest expense to average assets | 3.1907% | 2,854 |
| Loan and lease loss provision to assets | 0.8983% | 995 |
| Net operating income to assets | 0.0478% | 6,081 |
| Return on assets (ROA) | 0.1174% | 6,036 |
| Pretax return on assets | -0.0080% | 6,240 |
| Return on Equity (ROE) | 1.1292% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.1292% | 5,562 |
| Net charge-offs to loans | 1.2673% | 1,226 |
| Credit loss provision to net charge-offs | 119.7093% | 2,721 |
| Earnings coverage of net charge-offs (x) | 1.0415% | 4,849 |
| Efficiency ratio | 79.6818% | 2,299 |
| Assets per employee ($millions) | 3.8026% | 4,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7485% | 1,078 |
| Loan loss allowance to noncurrent loans | 65.0692% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 3.6181% | 1,737 |
| Noncurrent loans to loans | 4.2239% | 1,551 |
| Net loans and leases to total assets | 55.9322% | 4,852 |
| Net loans and leases to deposits | 66.2650% | 4,861 |
| Net loans and leases to core deposits | 68.9163% | 5,070 |
| Total domestic deposits to total assets | 84.4069% | 4,048 |
| Equity capital to assets | 10.6834% | 3,483 |
| Core capital (leverage) ratio | 8.6421% | 5,489 |
| Tier 1 risk-based capital ratio | 13.6000% | 4,651 |
| Total risk-based capital ratio | 14.8796% | 4,601 |
| Memoranda: | ||
| Average total assets | $1,723,696,750 | 390 |
| Average earning assets | $1,503,729,250 | 392 |
| Average equity | $179,245,000 | 400 |
| Average total loans | $1,020,615,500 | 416 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 5,929 |
| Cost of funding earning assets | 0.7337% | 5,761 |
| Net interest margin | 3.5924% | 4,749 |
| Noninterest income to average assets | 0.8138% | 1,958 |
| Noninterest expense to average assets | 3.2099% | 2,865 |
| Loan and lease loss provision to assets | 0.7822% | 1,187 |
| Net operating income to assets | 0.0932% | 6,032 |
| Return on assets (ROA) | 0.1545% | 5,967 |
| Pretax return on assets | 0.0148% | 6,248 |
| Return on Equity (ROE) | 1.4996% | 5,937 |
| Retained earnings to average equity (ytd only) | 1.4996% | 5,231 |
| Net charge-offs to loans | 1.2380% | 1,262 |
| Credit loss provision to net charge-offs | 105.7018% | 2,918 |
| Earnings coverage of net charge-offs (x) | 0.9942% | 4,553 |
| Efficiency ratio | 80.6922% | 2,286 |
| Assets per employee ($millions) | 3.7062% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 1,365 |
| Loan loss allowance to noncurrent loans | 63.7481% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 3.4444% | 1,914 |
| Noncurrent loans to loans | 4.0036% | 1,728 |
| Net loans and leases to total assets | 56.8855% | 4,834 |
| Net loans and leases to deposits | 67.0919% | 4,839 |
| Net loans and leases to core deposits | 69.2937% | 5,152 |
| Total domestic deposits to total assets | 84.7874% | 3,975 |
| Equity capital to assets | 10.5054% | 3,497 |
| Core capital (leverage) ratio | 8.6396% | 5,325 |
| Tier 1 risk-based capital ratio | 13.3675% | 4,632 |
| Total risk-based capital ratio | 14.6446% | 4,601 |
| Memoranda: | ||
| Average total assets | $1,725,343,000 | 390 |
| Average earning assets | $1,504,180,000 | 399 |
| Average equity | $177,786,000 | 405 |
| Average total loans | $1,031,317,670 | 420 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 5,777 |
| Cost of funding earning assets | 0.7423% | 5,912 |
| Net interest margin | 3.6305% | 4,426 |
| Noninterest income to average assets | 0.9226% | 1,576 |
| Noninterest expense to average assets | 3.3020% | 2,556 |
| Loan and lease loss provision to assets | 0.6580% | 1,302 |
| Net operating income to assets | 0.3069% | 5,376 |
| Return on assets (ROA) | 0.2655% | 5,621 |
| Pretax return on assets | 0.0907% | 6,191 |
| Return on Equity (ROE) | 2.6016% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.6016% | 4,604 |
| Net charge-offs to loans | 1.0158% | 1,344 |
| Credit loss provision to net charge-offs | 107.1213% | 2,493 |
| Earnings coverage of net charge-offs (x) | 1.2864% | 3,704 |
| Efficiency ratio | 80.0396% | 2,523 |
| Assets per employee ($millions) | 3.8443% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4632% | 1,513 |
| Loan loss allowance to noncurrent loans | 61.4504% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 3.3053% | 2,069 |
| Noncurrent loans to loans | 4.0085% | 1,813 |
| Net loans and leases to total assets | 58.3740% | 4,580 |
| Net loans and leases to deposits | 68.7094% | 4,571 |
| Net loans and leases to core deposits | 70.9013% | 4,936 |
| Total domestic deposits to total assets | 84.9577% | 4,047 |
| Equity capital to assets | 10.2664% | 3,450 |
| Core capital (leverage) ratio | 8.6082% | 5,255 |
| Tier 1 risk-based capital ratio | 13.0551% | 4,787 |
| Total risk-based capital ratio | 14.3319% | 4,745 |
| Memoranda: | ||
| Average total assets | $1,728,176,500 | 391 |
| Average earning assets | $1,508,755,500 | 401 |
| Average equity | $176,350,000 | 403 |
| Average total loans | $1,045,043,000 | 418 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4512% | 6,516 |
| Cost of funding earning assets | 1.0105% | 5,642 |
| Net interest margin | 3.4407% | 5,474 |
| Noninterest income to average assets | 0.9928% | 1,524 |
| Noninterest expense to average assets | 3.1333% | 3,334 |
| Loan and lease loss provision to assets | 1.3127% | 1,165 |
| Net operating income to assets | -0.1498% | 6,051 |
| Return on assets (ROA) | 0.0167% | 5,919 |
| Pretax return on assets | -0.1568% | 6,054 |
| Return on Equity (ROE) | 0.1668% | 5,917 |
| Retained earnings to average equity (ytd only) | -0.9564% | 5,799 |
| Net charge-offs to loans | 1.6944% | 1,281 |
| Credit loss provision to net charge-offs | 126.7980% | 3,192 |
| Earnings coverage of net charge-offs (x) | 0.8652% | 5,270 |
| Efficiency ratio | 77.0482% | 2,864 |
| Assets per employee ($millions) | 3.7779% | 4,311 |
| Cash dividends to net income (ytd only)* | 673.4007% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3894% | 1,557 |
| Loan loss allowance to noncurrent loans | 65.8180% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 3.0343% | 2,323 |
| Noncurrent loans to loans | 3.6303% | 2,059 |
| Net loans and leases to total assets | 59.6323% | 4,740 |
| Net loans and leases to deposits | 70.0421% | 4,812 |
| Net loans and leases to core deposits | 72.3613% | 5,176 |
| Total domestic deposits to total assets | 85.1379% | 3,781 |
| Equity capital to assets | 10.1426% | 3,567 |
| Core capital (leverage) ratio | 8.4705% | 5,418 |
| Tier 1 risk-based capital ratio | 12.8830% | 4,700 |
| Total risk-based capital ratio | 14.1586% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,779,541,800 | 384 |
| Average earning assets | $1,570,333,200 | 394 |
| Average equity | $178,068,600 | 392 |
| Average total loans | $1,087,312,200 | 413 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 6,597 |
| Cost of funding earning assets | 1.0706% | 5,591 |
| Net interest margin | 3.4344% | 5,554 |
| Noninterest income to average assets | 0.9920% | 1,484 |
| Noninterest expense to average assets | 3.2365% | 2,791 |
| Loan and lease loss provision to assets | 1.1284% | 1,286 |
| Net operating income to assets | -0.2368% | 6,367 |
| Return on assets (ROA) | 0.1458% | 5,806 |
| Pretax return on assets | 0.0456% | 6,010 |
| Return on Equity (ROE) | 1.4623% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.4623% | 5,215 |
| Net charge-offs to loans | 1.4969% | 1,341 |
| Credit loss provision to net charge-offs | 123.3729% | 3,324 |
| Earnings coverage of net charge-offs (x) | 0.8652% | 5,186 |
| Efficiency ratio | 79.6235% | 2,399 |
| Assets per employee ($millions) | 3.8961% | 4,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1925% | 1,826 |
| Loan loss allowance to noncurrent loans | 52.1812% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.9549% | 2,453 |
| Noncurrent loans to loans | 4.2017% | 1,740 |
| Net loans and leases to total assets | 58.3641% | 5,206 |
| Net loans and leases to deposits | 68.7188% | 5,322 |
| Net loans and leases to core deposits | 70.9858% | 5,643 |
| Total domestic deposits to total assets | 84.9318% | 3,649 |
| Equity capital to assets | 10.2443% | 3,827 |
| Core capital (leverage) ratio | 8.6647% | 5,254 |
| Tier 1 risk-based capital ratio | 13.1734% | 4,441 |
| Total risk-based capital ratio | 14.4479% | 4,408 |
| Memoranda: | ||
| Average total assets | $1,791,862,750 | 383 |
| Average earning assets | $1,583,880,000 | 385 |
| Average equity | $178,712,500 | 389 |
| Average total loans | $1,094,877,750 | 417 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 6,369 |
| Cost of funding earning assets | 1.1477% | 5,419 |
| Net interest margin | 3.4835% | 5,311 |
| Noninterest income to average assets | 0.9181% | 1,628 |
| Noninterest expense to average assets | 3.2981% | 2,568 |
| Loan and lease loss provision to assets | 1.1725% | 1,207 |
| Net operating income to assets | -0.1933% | 6,352 |
| Return on assets (ROA) | 0.0587% | 6,072 |
| Pretax return on assets | -0.0735% | 6,220 |
| Return on Equity (ROE) | 0.5941% | 6,062 |
| Retained earnings to average equity (ytd only) | 0.5941% | 5,523 |
| Net charge-offs to loans | 1.0457% | 1,793 |
| Credit loss provision to net charge-offs | 182.1040% | 2,157 |
| Earnings coverage of net charge-offs (x) | 1.0952% | 4,699 |
| Efficiency ratio | 81.6386% | 2,217 |
| Assets per employee ($millions) | 3.7500% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3153% | 1,557 |
| Loan loss allowance to noncurrent loans | 55.3879% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 3.1039% | 2,283 |
| Noncurrent loans to loans | 4.1801% | 1,784 |
| Net loans and leases to total assets | 59.2646% | 5,205 |
| Net loans and leases to deposits | 69.5181% | 5,347 |
| Net loans and leases to core deposits | 72.0276% | 5,665 |
| Total domestic deposits to total assets | 85.2507% | 3,489 |
| Equity capital to assets | 10.0972% | 3,892 |
| Core capital (leverage) ratio | 8.4659% | 5,468 |
| Tier 1 risk-based capital ratio | 12.6519% | 4,732 |
| Total risk-based capital ratio | 13.9251% | 4,687 |
| Memoranda: | ||
| Average total assets | $1,798,243,000 | 382 |
| Average earning assets | $1,592,615,330 | 386 |
| Average equity | $177,749,000 | 390 |
| Average total loans | $1,107,228,330 | 414 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5547% | 6,668 |
| Cost of funding earning assets | 1.2216% | 5,275 |
| Net interest margin | 3.3331% | 5,848 |
| Noninterest income to average assets | 0.8858% | 1,682 |
| Noninterest expense to average assets | 3.0531% | 3,465 |
| Loan and lease loss provision to assets | 0.7012% | 1,813 |
| Net operating income to assets | 0.1736% | 5,776 |
| Return on assets (ROA) | -0.1217% | 6,533 |
| Pretax return on assets | -0.3734% | 6,703 |
| Return on Equity (ROE) | -1.2441% | 6,556 |
| Retained earnings to average equity (ytd only) | -1.2441% | 6,090 |
| Net charge-offs to loans | 0.6089% | 2,294 |
| Credit loss provision to net charge-offs | 185.6808% | 1,975 |
| Earnings coverage of net charge-offs (x) | 2.0898% | 3,495 |
| Efficiency ratio | 78.6699% | 2,781 |
| Assets per employee ($millions) | 3.9025% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9605% | 2,283 |
| Loan loss allowance to noncurrent loans | 57.4549% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 2.4125% | 3,013 |
| Noncurrent loans to loans | 3.4123% | 2,333 |
| Net loans and leases to total assets | 60.1482% | 5,098 |
| Net loans and leases to deposits | 70.2177% | 5,310 |
| Net loans and leases to core deposits | 72.7876% | 5,632 |
| Total domestic deposits to total assets | 85.6596% | 3,342 |
| Equity capital to assets | 9.9034% | 3,986 |
| Core capital (leverage) ratio | 8.4974% | 5,378 |
| Tier 1 risk-based capital ratio | 12.2929% | 4,908 |
| Total risk-based capital ratio | 13.5571% | 4,857 |
| Memoranda: | ||
| Average total assets | $1,804,873,500 | 395 |
| Average earning assets | $1,600,898,000 | 401 |
| Average equity | $176,506,500 | 397 |
| Average total loans | $1,119,374,500 | 424 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0353% | 6,321 |
| Cost of funding earning assets | 1.6970% | 4,530 |
| Net interest margin | 3.3383% | 5,592 |
| Noninterest income to average assets | 1.0363% | 1,449 |
| Noninterest expense to average assets | 2.9836% | 4,215 |
| Loan and lease loss provision to assets | 0.9119% | 2,469 |
| Net operating income to assets | 0.1939% | 4,915 |
| Return on assets (ROA) | 0.0807% | 5,308 |
| Pretax return on assets | -0.0685% | 5,555 |
| Return on Equity (ROE) | 0.8094% | 5,288 |
| Retained earnings to average equity (ytd only) | -2.6008% | 5,630 |
| Net charge-offs to loans | 0.6747% | 3,161 |
| Credit loss provision to net charge-offs | 209.4271% | 1,834 |
| Earnings coverage of net charge-offs (x) | 2.3430% | 3,972 |
| Efficiency ratio | 73.6661% | 3,965 |
| Assets per employee ($millions) | 3.8522% | 4,140 |
| Cash dividends to net income (ytd only)* | 421.3483% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 2,540 |
| Loan loss allowance to noncurrent loans | 62.2358% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.1630% | 3,184 |
| Noncurrent loans to loans | 2.8950% | 2,667 |
| Net loans and leases to total assets | 61.5629% | 5,092 |
| Net loans and leases to deposits | 71.6299% | 5,379 |
| Net loans and leases to core deposits | 82.3434% | 5,883 |
| Total domestic deposits to total assets | 85.9458% | 3,045 |
| Equity capital to assets | 9.6547% | 4,208 |
| Core capital (leverage) ratio | 8.5337% | 5,229 |
| Tier 1 risk-based capital ratio | 12.1119% | 4,839 |
| Total risk-based capital ratio | 13.3735% | 4,798 |
| Memoranda: | ||
| Average total assets | $1,763,854,200 | 400 |
| Average earning assets | $1,567,918,400 | 409 |
| Average equity | $175,942,800 | 392 |
| Average total loans | $1,138,324,200 | 428 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 6,353 |
| Cost of funding earning assets | 1.7565% | 4,610 |
| Net interest margin | 3.3202% | 5,564 |
| Noninterest income to average assets | 1.0589% | 1,416 |
| Noninterest expense to average assets | 3.0665% | 3,782 |
| Loan and lease loss provision to assets | 0.5932% | 3,014 |
| Net operating income to assets | 0.3842% | 4,459 |
| Return on assets (ROA) | 0.2764% | 4,985 |
| Pretax return on assets | 0.2447% | 5,200 |
| Return on Equity (ROE) | 2.7481% | 4,899 |
| Retained earnings to average equity (ytd only) | -1.7842% | 5,677 |
| Net charge-offs to loans | 0.4569% | 3,402 |
| Credit loss provision to net charge-offs | 199.6931% | 2,246 |
| Earnings coverage of net charge-offs (x) | 3.1836% | 3,644 |
| Efficiency ratio | 75.5595% | 3,580 |
| Assets per employee ($millions) | 3.9227% | 3,885 |
| Cash dividends to net income (ytd only)* | 164.9256% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 3,968 |
| Loan loss allowance to noncurrent loans | 46.7151% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 2.1085% | 3,202 |
| Noncurrent loans to loans | 2.9894% | 2,526 |
| Net loans and leases to total assets | 61.4794% | 5,329 |
| Net loans and leases to deposits | 72.0805% | 5,630 |
| Net loans and leases to core deposits | 84.8006% | 5,980 |
| Total domestic deposits to total assets | 85.2926% | 3,077 |
| Equity capital to assets | 9.7998% | 4,354 |
| Core capital (leverage) ratio | 8.7987% | 4,976 |
| Tier 1 risk-based capital ratio | 11.7401% | 5,210 |
| Total risk-based capital ratio | 12.9525% | 5,188 |
| Memoranda: | ||
| Average total assets | $1,755,072,500 | 417 |
| Average earning assets | $1,561,121,000 | 421 |
| Average equity | $176,507,000 | 400 |
| Average total loans | $1,140,949,000 | 444 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 6,391 |
| Cost of funding earning assets | 1.8074% | 4,721 |
| Net interest margin | 3.3030% | 5,541 |
| Noninterest income to average assets | 1.0586% | 1,415 |
| Noninterest expense to average assets | 3.1193% | 3,625 |
| Loan and lease loss provision to assets | 0.5408% | 2,868 |
| Net operating income to assets | 0.3356% | 4,738 |
| Return on assets (ROA) | 0.3191% | 4,925 |
| Pretax return on assets | 0.3144% | 5,181 |
| Return on Equity (ROE) | 3.1452% | 4,845 |
| Retained earnings to average equity (ytd only) | -3.6724% | 6,078 |
| Net charge-offs to loans | 0.5384% | 2,715 |
| Credit loss provision to net charge-offs | 152.3547% | 3,016 |
| Earnings coverage of net charge-offs (x) | 2.4557% | 3,841 |
| Efficiency ratio | 77.2562% | 3,463 |
| Assets per employee ($millions) | 3.8492% | 3,981 |
| Cash dividends to net income (ytd only)* | 216.7630% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,062 |
| Loan loss allowance to noncurrent loans | 63.5774% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.4209% | 4,119 |
| Noncurrent loans to loans | 1.8596% | 3,719 |
| Net loans and leases to total assets | 63.3067% | 5,120 |
| Net loans and leases to deposits | 74.4596% | 5,385 |
| Net loans and leases to core deposits | 87.8769% | 5,738 |
| Total domestic deposits to total assets | 85.0215% | 3,250 |
| Equity capital to assets | 9.7277% | 4,307 |
| Core capital (leverage) ratio | 8.9689% | 4,684 |
| Tier 1 risk-based capital ratio | 11.1305% | 5,742 |
| Total risk-based capital ratio | 12.1150% | 5,959 |
| Memoranda: | ||
| Average total assets | $1,734,701,000 | 428 |
| Average earning assets | $1,540,075,000 | 430 |
| Average equity | $176,015,000 | 403 |
| Average total loans | $1,143,800,330 | 461 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 6,479 |
| Cost of funding earning assets | 1.8506% | 4,872 |
| Net interest margin | 3.3024% | 5,488 |
| Noninterest income to average assets | 1.0839% | 1,273 |
| Noninterest expense to average assets | 3.1442% | 3,215 |
| Loan and lease loss provision to assets | 0.6226% | 2,030 |
| Net operating income to assets | 0.2388% | 5,535 |
| Return on assets (ROA) | 0.3988% | 5,043 |
| Pretax return on assets | 0.4314% | 5,307 |
| Return on Equity (ROE) | 3.8475% | 5,007 |
| Retained earnings to average equity (ytd only) | -1.7973% | 6,061 |
| Net charge-offs to loans | 0.2634% | 3,079 |
| Credit loss provision to net charge-offs | 353.2537% | 1,430 |
| Earnings coverage of net charge-offs (x) | 4.9934% | 2,779 |
| Efficiency ratio | 77.2072% | 3,296 |
| Assets per employee ($millions) | 3.7036% | 4,332 |
| Cash dividends to net income (ytd only)* | 146.7136% | 476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 4,722 |
| Loan loss allowance to noncurrent loans | 52.4254% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 1.6281% | 3,472 |
| Noncurrent loans to loans | 2.3129% | 2,839 |
| Net loans and leases to total assets | 65.9587% | 4,596 |
| Net loans and leases to deposits | 78.1057% | 4,906 |
| Net loans and leases to core deposits | 91.3836% | 5,417 |
| Total domestic deposits to total assets | 84.4479% | 3,487 |
| Equity capital to assets | 10.3075% | 3,647 |
| Core capital (leverage) ratio | 9.2711% | 4,287 |
| Tier 1 risk-based capital ratio | 11.3026% | 5,599 |
| Total risk-based capital ratio | 12.3091% | 5,759 |
| Memoranda: | ||
| Average total assets | $1,709,039,000 | 428 |
| Average earning assets | $1,521,684,000 | 437 |
| Average equity | $177,153,000 | 404 |
| Average total loans | $1,143,600,000 | 461 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7160% | 6,725 |
| Cost of funding earning assets | 2.2128% | 5,544 |
| Net interest margin | 3.5033% | 5,284 |
| Noninterest income to average assets | 1.0115% | 1,541 |
| Noninterest expense to average assets | 3.1795% | 3,415 |
| Loan and lease loss provision to assets | 0.3745% | 3,439 |
| Net operating income to assets | 0.5590% | 4,486 |
| Return on assets (ROA) | 0.3904% | 5,002 |
| Pretax return on assets | 0.3942% | 5,272 |
| Return on Equity (ROE) | 4.1797% | 4,750 |
| Retained earnings to average equity (ytd only) | 3.1861% | 3,166 |
| Net charge-offs to loans | 0.1863% | 4,335 |
| Credit loss provision to net charge-offs | 292.6983% | 1,551 |
| Earnings coverage of net charge-offs (x) | 7.3395% | 3,138 |
| Efficiency ratio | 76.1639% | 3,212 |
| Assets per employee ($millions) | 3.6711% | 4,236 |
| Cash dividends to net income (ytd only)* | 23.7718% | 4,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 5,722 |
| Loan loss allowance to noncurrent loans | 55.1948% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4202% | 3,359 |
| Noncurrent loans to loans | 1.8818% | 2,939 |
| Net loans and leases to total assets | 66.3645% | 4,779 |
| Net loans and leases to deposits | 81.2846% | 4,831 |
| Net loans and leases to core deposits | 96.8942% | 5,162 |
| Total domestic deposits to total assets | 81.6446% | 4,350 |
| Equity capital to assets | 10.4237% | 3,585 |
| Core capital (leverage) ratio | 9.7018% | 3,764 |
| Tier 1 risk-based capital ratio | 12.5394% | 4,411 |
| Total risk-based capital ratio | 13.5119% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,616,273,200 | 436 |
| Average earning assets | $1,433,456,800 | 445 |
| Average equity | $150,966,200 | 463 |
| Average total loans | $1,110,236,000 | 459 |