Home > Midwest BankCentre > Performance and Condition Ratios
Midwest BankCentre, 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 | 5.3571% | 1,381 |
| Cost of funding earning assets | 1.7977% | 1,252 |
| Net interest margin | 3.5594% | 2,045 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.2169% | 3,079 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.1253% | 1,838 |
| Return on assets (ROA) | 0.9989% | 2,209 |
| Pretax return on assets | 1.1853% | 2,178 |
| Return on Equity (ROE) | 9.6100% | 2,608 |
| Retained earnings to average equity (ytd only) | 6.3585% | 2,109 |
| Net charge-offs to loans | 0.2510% | 424 |
| Credit loss provision to net charge-offs | 141.2990% | 1,517 |
| Earnings coverage of net charge-offs (x) | 8.1142% | 2,363 |
| Efficiency ratio | 57.8711% | 3,307 |
| Assets per employee ($millions) | 9.6937% | 772 |
| Cash dividends to net income (ytd only)* | 33.8219% | 2,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 1,671 |
| Loan loss allowance to noncurrent loans | 246.6446% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4382% | 1,263 |
| Noncurrent loans to loans | 0.5362% | 1,450 |
| Net loans and leases to total assets | 76.9000% | 988 |
| Net loans and leases to deposits | 92.1186% | 1,081 |
| Net loans and leases to core deposits | 102.3394% | 1,315 |
| Total domestic deposits to total assets | 83.4800% | 2,757 |
| Equity capital to assets | 10.4044% | 1,780 |
| Core capital (leverage) ratio | 10.2198% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5776% | 2,386 |
| Memoranda: | ||
| Average total assets | $2,663,814,000 | 441 |
| Average earning assets | $2,456,517,400 | 428 |
| Average equity | $276,950,400 | 423 |
| Average total loans | $2,104,013,600 | 390 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 1,311 |
| Cost of funding earning assets | 1.6787% | 1,219 |
| Net interest margin | 3.6020% | 2,007 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.1509% | 3,210 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 1.2238% | 1,724 |
| Return on assets (ROA) | 1.0579% | 2,185 |
| Pretax return on assets | 1.2860% | 2,083 |
| Return on Equity (ROE) | 10.1800% | 2,592 |
| Retained earnings to average equity (ytd only) | 6.8996% | 2,328 |
| Net charge-offs to loans | 0.2685% | 327 |
| Credit loss provision to net charge-offs | 119.6395% | 1,488 |
| Earnings coverage of net charge-offs (x) | 8.1902% | 2,208 |
| Efficiency ratio | 55.1618% | 3,472 |
| Assets per employee ($millions) | 9.5651% | 778 |
| Cash dividends to net income (ytd only)* | 32.2057% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,097 |
| Loan loss allowance to noncurrent loans | 228.1986% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 1,271 |
| Noncurrent loans to loans | 0.5485% | 1,454 |
| Net loans and leases to total assets | 78.7500% | 785 |
| Net loans and leases to deposits | 93.8380% | 909 |
| Net loans and leases to core deposits | 104.2865% | 1,106 |
| Total domestic deposits to total assets | 83.9200% | 2,798 |
| Equity capital to assets | 10.3075% | 1,643 |
| Core capital (leverage) ratio | 10.2016% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2837% | 2,513 |
| Memoranda: | ||
| Average total assets | $2,641,514,500 | 442 |
| Average earning assets | $2,437,689,750 | 433 |
| Average equity | $274,579,250 | 423 |
| Average total loans | $2,093,636,250 | 392 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 1,277 |
| Cost of funding earning assets | 1.5316% | 1,186 |
| Net interest margin | 3.6291% | 1,973 |
| Noninterest income to average assets | 0.6200% | 1,378 |
| Noninterest expense to average assets | 2.1785% | 3,139 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.3727% | 1,396 |
| Return on assets (ROA) | 1.1229% | 2,051 |
| Pretax return on assets | 1.3676% | 1,894 |
| Return on Equity (ROE) | 10.7700% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.4757% | 2,139 |
| Net charge-offs to loans | 0.0760% | 818 |
| Credit loss provision to net charge-offs | 206.6074% | 1,036 |
| Earnings coverage of net charge-offs (x) | 29.8983% | 1,553 |
| Efficiency ratio | 54.7297% | 3,554 |
| Assets per employee ($millions) | 9.5055% | 778 |
| Cash dividends to net income (ytd only)* | 30.5956% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 1,996 |
| Loan loss allowance to noncurrent loans | 306.2769% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3478% | 1,521 |
| Noncurrent loans to loans | 0.4194% | 1,673 |
| Net loans and leases to total assets | 77.7700% | 859 |
| Net loans and leases to deposits | 92.5980% | 976 |
| Net loans and leases to core deposits | 101.8468% | 1,142 |
| Total domestic deposits to total assets | 83.9900% | 2,816 |
| Equity capital to assets | 10.3843% | 1,641 |
| Core capital (leverage) ratio | 10.2607% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3872% | 2,510 |
| Memoranda: | ||
| Average total assets | $2,619,709,333 | 432 |
| Average earning assets | $2,419,201,333 | 426 |
| Average equity | $273,099,667 | 417 |
| Average total loans | $2,071,972,667 | 382 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0106% | 1,210 |
| Cost of funding earning assets | 1.3673% | 1,100 |
| Net interest margin | 3.6433% | 2,026 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.1972% | 3,106 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.5463% | 1,088 |
| Return on assets (ROA) | 1.0282% | 2,409 |
| Pretax return on assets | 1.2253% | 2,363 |
| Return on Equity (ROE) | 9.8400% | 2,834 |
| Retained earnings to average equity (ytd only) | 6.5219% | 2,638 |
| Net charge-offs to loans | 0.1086% | 565 |
| Credit loss provision to net charge-offs | 145.6989% | 960 |
| Earnings coverage of net charge-offs (x) | 22.8656% | 1,416 |
| Efficiency ratio | 52.6844% | 3,725 |
| Assets per employee ($millions) | 9.6405% | 769 |
| Cash dividends to net income (ytd only)* | 33.7433% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 2,159 |
| Loan loss allowance to noncurrent loans | 286.4818% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 1,397 |
| Noncurrent loans to loans | 0.4450% | 1,609 |
| Net loans and leases to total assets | 77.8200% | 780 |
| Net loans and leases to deposits | 92.8073% | 864 |
| Net loans and leases to core deposits | 101.7349% | 1,012 |
| Total domestic deposits to total assets | 83.8500% | 3,119 |
| Equity capital to assets | 10.3951% | 1,615 |
| Core capital (leverage) ratio | 10.2541% | 2,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3285% | 2,621 |
| Memoranda: | ||
| Average total assets | $2,594,041,500 | 449 |
| Average earning assets | $2,396,858,500 | 441 |
| Average equity | $270,964,500 | 428 |
| Average total loans | $2,055,817,500 | 394 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0151% | 1,675 |
| Cost of funding earning assets | 0.5089% | 1,325 |
| Net interest margin | 3.5062% | 1,911 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.3365% | 2,628 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.9969% | 2,575 |
| Return on assets (ROA) | 0.9969% | 2,531 |
| Pretax return on assets | 1.1751% | 2,520 |
| Return on Equity (ROE) | 9.1300% | 3,090 |
| Retained earnings to average equity (ytd only) | 6.1269% | 2,601 |
| Net charge-offs to loans | 0.0468% | 1,221 |
| Credit loss provision to net charge-offs | 577.9006% | 623 |
| Earnings coverage of net charge-offs (x) | 37.4409% | 1,544 |
| Efficiency ratio | 62.1082% | 2,745 |
| Assets per employee ($millions) | 9.3635% | 820 |
| Cash dividends to net income (ytd only)* | 32.9110% | 2,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 1,988 |
| Loan loss allowance to noncurrent loans | 257.5306% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 1,219 |
| Noncurrent loans to loans | 0.4974% | 1,456 |
| Net loans and leases to total assets | 78.6700% | 735 |
| Net loans and leases to deposits | 94.7061% | 734 |
| Net loans and leases to core deposits | 102.4722% | 875 |
| Total domestic deposits to total assets | 83.0700% | 3,406 |
| Equity capital to assets | 10.4977% | 1,451 |
| Core capital (leverage) ratio | 10.5782% | 2,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2986% | 2,649 |
| Memoranda: | ||
| Average total assets | $2,438,349,200 | 460 |
| Average earning assets | $2,248,772,600 | 454 |
| Average equity | $266,168,600 | 420 |
| Average total loans | $1,934,522,400 | 391 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8011% | 1,763 |
| Cost of funding earning assets | 0.3436% | 1,758 |
| Net interest margin | 3.4575% | 1,785 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.3068% | 2,613 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.0115% | 2,440 |
| Return on assets (ROA) | 1.0115% | 2,407 |
| Pretax return on assets | 1.1969% | 2,382 |
| Return on Equity (ROE) | 9.1700% | 2,981 |
| Retained earnings to average equity (ytd only) | 6.1614% | 2,699 |
| Net charge-offs to loans | 0.0414% | 1,079 |
| Credit loss provision to net charge-offs | 542.4958% | 583 |
| Earnings coverage of net charge-offs (x) | 41.8921% | 1,368 |
| Efficiency ratio | 61.9372% | 2,836 |
| Assets per employee ($millions) | 8.9301% | 919 |
| Cash dividends to net income (ytd only)* | 32.8317% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,306 |
| Loan loss allowance to noncurrent loans | 234.4032% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 1,171 |
| Noncurrent loans to loans | 0.5301% | 1,476 |
| Net loans and leases to total assets | 79.2200% | 598 |
| Net loans and leases to deposits | 96.4971% | 534 |
| Net loans and leases to core deposits | 101.2101% | 774 |
| Total domestic deposits to total assets | 82.1000% | 3,827 |
| Equity capital to assets | 10.8104% | 1,247 |
| Core capital (leverage) ratio | 10.6524% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4894% | 2,656 |
| Memoranda: | ||
| Average total assets | $2,408,877,750 | 462 |
| Average earning assets | $2,221,640,000 | 459 |
| Average equity | $265,624,250 | 425 |
| Average total loans | $1,908,857,000 | 391 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 1,856 |
| Cost of funding earning assets | 0.2209% | 2,638 |
| Net interest margin | 3.3756% | 1,676 |
| Noninterest income to average assets | 0.5094% | 2,148 |
| Noninterest expense to average assets | 2.2818% | 2,603 |
| Loan and lease loss provision to assets | 0.1235% | 797 |
| Net operating income to assets | 1.0357% | 2,032 |
| Return on assets (ROA) | 1.0357% | 2,006 |
| Pretax return on assets | 1.2188% | 2,010 |
| Return on Equity (ROE) | 9.3303% | 2,588 |
| Retained earnings to average equity (ytd only) | 6.3227% | 2,228 |
| Net charge-offs to loans | 0.0320% | 1,087 |
| Credit loss provision to net charge-offs | 488.4488% | 639 |
| Earnings coverage of net charge-offs (x) | 53.0792% | 1,136 |
| Efficiency ratio | 62.2280% | 3,015 |
| Assets per employee ($millions) | 8.8071% | 950 |
| Cash dividends to net income (ytd only)* | 32.2347% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,853 |
| Loan loss allowance to noncurrent loans | 421.8606% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 1,998 |
| Noncurrent loans to loans | 0.2771% | 2,358 |
| Net loans and leases to total assets | 79.7925% | 425 |
| Net loans and leases to deposits | 101.3949% | 230 |
| Net loans and leases to core deposits | 104.4073% | 491 |
| Total domestic deposits to total assets | 78.6948% | 4,313 |
| Equity capital to assets | 10.9448% | 1,236 |
| Core capital (leverage) ratio | 10.6290% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2106% | 2,748 |
| Memoranda: | ||
| Average total assets | $2,396,225,333 | 461 |
| Average earning assets | $2,211,076,000 | 462 |
| Average equity | $265,995,000 | 423 |
| Average total loans | $1,890,862,333 | 383 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4595% | 1,919 |
| Cost of funding earning assets | 0.2018% | 2,773 |
| Net interest margin | 3.2577% | 1,691 |
| Noninterest income to average assets | 0.5024% | 2,127 |
| Noninterest expense to average assets | 2.2309% | 2,744 |
| Loan and lease loss provision to assets | 0.1009% | 825 |
| Net operating income to assets | 0.9868% | 1,931 |
| Return on assets (ROA) | 0.9868% | 1,928 |
| Pretax return on assets | 1.1810% | 1,874 |
| Return on Equity (ROE) | 8.8265% | 2,382 |
| Retained earnings to average equity (ytd only) | 5.8186% | 2,308 |
| Net charge-offs to loans | 0.0526% | 763 |
| Credit loss provision to net charge-offs | 245.9016% | 723 |
| Earnings coverage of net charge-offs (x) | 31.2459% | 1,110 |
| Efficiency ratio | 62.7465% | 3,174 |
| Assets per employee ($millions) | 8.6973% | 1,022 |
| Cash dividends to net income (ytd only)* | 34.0774% | 1,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 2,970 |
| Loan loss allowance to noncurrent loans | 395.8490% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 2,042 |
| Noncurrent loans to loans | 0.2979% | 2,402 |
| Net loans and leases to total assets | 77.8084% | 388 |
| Net loans and leases to deposits | 97.8675% | 233 |
| Net loans and leases to core deposits | 102.4159% | 435 |
| Total domestic deposits to total assets | 79.5039% | 4,313 |
| Equity capital to assets | 11.1431% | 1,270 |
| Core capital (leverage) ratio | 10.6895% | 1,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4345% | 2,791 |
| Memoranda: | ||
| Average total assets | $2,378,964,000 | 468 |
| Average earning assets | $2,198,344,000 | 469 |
| Average equity | $265,972,500 | 431 |
| Average total loans | $1,855,043,500 | 388 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6104% | 2,360 |
| Cost of funding earning assets | 0.3217% | 2,181 |
| Net interest margin | 3.2888% | 2,344 |
| Noninterest income to average assets | 0.6866% | 1,808 |
| Noninterest expense to average assets | 2.4437% | 2,354 |
| Loan and lease loss provision to assets | 0.1048% | 1,206 |
| Net operating income to assets | 1.0136% | 2,618 |
| Return on assets (ROA) | 1.0236% | 2,654 |
| Pretax return on assets | 1.1942% | 2,682 |
| Return on Equity (ROE) | 9.6549% | 2,658 |
| Retained earnings to average equity (ytd only) | 7.0154% | 1,913 |
| Net charge-offs to loans | 0.0232% | 1,786 |
| Credit loss provision to net charge-offs | 572.7059% | 744 |
| Earnings coverage of net charge-offs (x) | 70.3529% | 1,073 |
| Efficiency ratio | 64.7634% | 2,439 |
| Assets per employee ($millions) | 8.6674% | 1,031 |
| Cash dividends to net income (ytd only)* | 27.3385% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 2,944 |
| Loan loss allowance to noncurrent loans | 377.5234% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 2,138 |
| Noncurrent loans to loans | 0.3144% | 2,465 |
| Net loans and leases to total assets | 76.2979% | 502 |
| Net loans and leases to deposits | 96.0951% | 313 |
| Net loans and leases to core deposits | 101.0605% | 491 |
| Total domestic deposits to total assets | 79.3983% | 4,272 |
| Equity capital to assets | 11.2174% | 1,654 |
| Core capital (leverage) ratio | 10.7065% | 1,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6452% | 2,737 |
| Memoranda: | ||
| Average total assets | $2,322,736,800 | 458 |
| Average earning assets | $2,150,115,600 | 459 |
| Average equity | $246,258,000 | 454 |
| Average total loans | $1,834,456,000 | 387 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5910% | 2,582 |
| Cost of funding earning assets | 0.3438% | 2,176 |
| Net interest margin | 3.2472% | 2,589 |
| Noninterest income to average assets | 0.7080% | 1,798 |
| Noninterest expense to average assets | 2.4107% | 2,405 |
| Loan and lease loss provision to assets | 0.0939% | 1,271 |
| Net operating income to assets | 1.0091% | 2,873 |
| Return on assets (ROA) | 1.0135% | 2,920 |
| Pretax return on assets | 1.2144% | 2,883 |
| Return on Equity (ROE) | 9.7042% | 2,842 |
| Retained earnings to average equity (ytd only) | 7.4933% | 2,227 |
| Net charge-offs to loans | 0.0276% | 1,495 |
| Credit loss provision to net charge-offs | 428.1579% | 831 |
| Earnings coverage of net charge-offs (x) | 59.4000% | 1,142 |
| Efficiency ratio | 64.1724% | 2,360 |
| Assets per employee ($millions) | 8.2577% | 1,149 |
| Cash dividends to net income (ytd only)* | 22.7829% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1663% | 3,131 |
| Loan loss allowance to noncurrent loans | 314.7909% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.3289% | 2,136 |
| Noncurrent loans to loans | 0.3705% | 2,453 |
| Net loans and leases to total assets | 77.2601% | 452 |
| Net loans and leases to deposits | 100.1291% | 226 |
| Net loans and leases to core deposits | 103.8631% | 461 |
| Total domestic deposits to total assets | 77.1605% | 4,484 |
| Equity capital to assets | 11.5096% | 1,667 |
| Core capital (leverage) ratio | 10.6645% | 1,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9243% | 2,734 |
| Memoranda: | ||
| Average total assets | $2,309,701,000 | 468 |
| Average earning assets | $2,137,912,250 | 465 |
| Average equity | $241,222,500 | 461 |
| Average total loans | $1,834,632,250 | 391 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5732% | 2,707 |
| Cost of funding earning assets | 0.3697% | 2,141 |
| Net interest margin | 3.2035% | 2,746 |
| Noninterest income to average assets | 0.7204% | 1,746 |
| Noninterest expense to average assets | 2.4328% | 2,359 |
| Loan and lease loss provision to assets | 0.1026% | 1,231 |
| Net operating income to assets | 0.9473% | 3,068 |
| Return on assets (ROA) | 0.9538% | 3,136 |
| Pretax return on assets | 1.1577% | 3,035 |
| Return on Equity (ROE) | 9.4529% | 2,966 |
| Retained earnings to average equity (ytd only) | 6.0230% | 2,793 |
| Net charge-offs to loans | 0.0304% | 1,361 |
| Credit loss provision to net charge-offs | 422.0641% | 738 |
| Earnings coverage of net charge-offs (x) | 51.5125% | 1,052 |
| Efficiency ratio | 65.2698% | 2,264 |
| Assets per employee ($millions) | 8.5794% | 980 |
| Cash dividends to net income (ytd only)* | 36.2845% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 3,279 |
| Loan loss allowance to noncurrent loans | 288.4825% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 2,200 |
| Noncurrent loans to loans | 0.3923% | 2,499 |
| Net loans and leases to total assets | 77.6427% | 471 |
| Net loans and leases to deposits | 100.0985% | 252 |
| Net loans and leases to core deposits | 104.3641% | 526 |
| Total domestic deposits to total assets | 77.5663% | 4,469 |
| Equity capital to assets | 11.1339% | 1,889 |
| Core capital (leverage) ratio | 10.2443% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9869% | 2,726 |
| Memoranda: | ||
| Average total assets | $2,311,633,333 | 464 |
| Average earning assets | $2,139,353,667 | 463 |
| Average equity | $233,240,333 | 474 |
| Average total loans | $1,845,841,667 | 392 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6245% | 2,562 |
| Cost of funding earning assets | 0.4052% | 2,054 |
| Net interest margin | 3.2193% | 2,638 |
| Noninterest income to average assets | 0.7283% | 1,773 |
| Noninterest expense to average assets | 2.3721% | 2,588 |
| Loan and lease loss provision to assets | 0.1371% | 982 |
| Net operating income to assets | 0.9483% | 2,975 |
| Return on assets (ROA) | 0.9566% | 3,043 |
| Pretax return on assets | 1.2075% | 2,830 |
| Return on Equity (ROE) | 10.0023% | 2,684 |
| Retained earnings to average equity (ytd only) | 6.3730% | 2,770 |
| Net charge-offs to loans | 0.0446% | 1,032 |
| Credit loss provision to net charge-offs | 381.6425% | 671 |
| Earnings coverage of net charge-offs (x) | 37.1401% | 1,008 |
| Efficiency ratio | 63.2579% | 2,568 |
| Assets per employee ($millions) | 8.8824% | 869 |
| Cash dividends to net income (ytd only)* | 36.2845% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 3,532 |
| Loan loss allowance to noncurrent loans | 277.5928% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 2,373 |
| Noncurrent loans to loans | 0.3882% | 2,703 |
| Net loans and leases to total assets | 79.9438% | 338 |
| Net loans and leases to deposits | 104.1611% | 202 |
| Net loans and leases to core deposits | 110.1849% | 400 |
| Total domestic deposits to total assets | 76.7502% | 4,536 |
| Equity capital to assets | 9.5280% | 3,167 |
| Core capital (leverage) ratio | 8.7395% | 3,877 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1380% | 3,053 |
| Memoranda: | ||
| Average total assets | $2,304,942,000 | 459 |
| Average earning assets | $2,132,151,500 | 458 |
| Average equity | $220,428,500 | 489 |
| Average total loans | $1,855,827,500 | 384 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7494% | 3,445 |
| Cost of funding earning assets | 0.7459% | 1,474 |
| Net interest margin | 3.0035% | 3,874 |
| Noninterest income to average assets | 0.5675% | 2,345 |
| Noninterest expense to average assets | 2.3869% | 3,164 |
| Loan and lease loss provision to assets | 0.2203% | 1,774 |
| Net operating income to assets | 0.6647% | 3,539 |
| Return on assets (ROA) | 0.7141% | 3,520 |
| Pretax return on assets | 0.7813% | 3,670 |
| Return on Equity (ROE) | 7.4427% | 3,024 |
| Retained earnings to average equity (ytd only) | 4.3654% | 2,613 |
| Net charge-offs to loans | 0.0369% | 2,315 |
| Credit loss provision to net charge-offs | 772.2930% | 930 |
| Earnings coverage of net charge-offs (x) | 33.2118% | 1,528 |
| Efficiency ratio | 70.7212% | 1,854 |
| Assets per employee ($millions) | 8.5161% | 887 |
| Cash dividends to net income (ytd only)* | 41.3460% | 2,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 3,542 |
| Loan loss allowance to noncurrent loans | 272.8390% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 2,524 |
| Noncurrent loans to loans | 0.3971% | 2,786 |
| Net loans and leases to total assets | 79.3385% | 471 |
| Net loans and leases to deposits | 104.2152% | 258 |
| Net loans and leases to core deposits | 111.3120% | 474 |
| Total domestic deposits to total assets | 76.1296% | 4,502 |
| Equity capital to assets | 9.5996% | 3,517 |
| Core capital (leverage) ratio | 8.6079% | 4,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3926% | 3,040 |
| Memoranda: | ||
| Average total assets | $2,201,628,000 | 438 |
| Average earning assets | $2,028,076,400 | 439 |
| Average equity | $211,227,000 | 484 |
| Average total loans | $1,699,782,400 | 400 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7302% | 3,726 |
| Cost of funding earning assets | 0.8265% | 1,372 |
| Net interest margin | 2.9037% | 4,177 |
| Noninterest income to average assets | 0.5116% | 2,557 |
| Noninterest expense to average assets | 2.3548% | 3,271 |
| Loan and lease loss provision to assets | 0.1814% | 2,166 |
| Net operating income to assets | 0.5741% | 3,849 |
| Return on assets (ROA) | 0.6386% | 3,761 |
| Pretax return on assets | 0.7203% | 3,856 |
| Return on Equity (ROE) | 6.6568% | 3,322 |
| Retained earnings to average equity (ytd only) | 3.4742% | 3,315 |
| Net charge-offs to loans | 0.0373% | 2,097 |
| Credit loss provision to net charge-offs | 635.9743% | 1,133 |
| Earnings coverage of net charge-offs (x) | 29.0792% | 1,616 |
| Efficiency ratio | 73.0425% | 1,518 |
| Assets per employee ($millions) | 8.9937% | 692 |
| Cash dividends to net income (ytd only)* | 47.8103% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,724 |
| Loan loss allowance to noncurrent loans | 308.3761% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 2,997 |
| Noncurrent loans to loans | 0.3229% | 3,128 |
| Net loans and leases to total assets | 78.8338% | 737 |
| Net loans and leases to deposits | 102.2131% | 442 |
| Net loans and leases to core deposits | 108.5160% | 750 |
| Total domestic deposits to total assets | 77.1269% | 4,307 |
| Equity capital to assets | 9.4289% | 3,744 |
| Core capital (leverage) ratio | 8.1292% | 4,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5923% | 3,009 |
| Memoranda: | ||
| Average total assets | $2,183,584,000 | 435 |
| Average earning assets | $2,009,650,250 | 433 |
| Average equity | $209,465,000 | 480 |
| Average total loans | $1,668,787,500 | 401 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,026 |
| Cost of funding earning assets | 0.9115% | 1,321 |
| Net interest margin | 2.8174% | 4,420 |
| Noninterest income to average assets | 0.4805% | 2,649 |
| Noninterest expense to average assets | 2.3377% | 3,434 |
| Loan and lease loss provision to assets | 0.1821% | 2,199 |
| Net operating income to assets | 0.5008% | 4,016 |
| Return on assets (ROA) | 0.5839% | 3,870 |
| Pretax return on assets | 0.6403% | 3,983 |
| Return on Equity (ROE) | 6.0509% | 3,488 |
| Retained earnings to average equity (ytd only) | 2.6818% | 3,512 |
| Net charge-offs to loans | 0.0559% | 1,699 |
| Credit loss provision to net charge-offs | 432.6711% | 1,338 |
| Earnings coverage of net charge-offs (x) | 17.3731% | 1,819 |
| Efficiency ratio | 75.2142% | 1,344 |
| Assets per employee ($millions) | 9.1619% | 649 |
| Cash dividends to net income (ytd only)* | 55.6793% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 3,778 |
| Loan loss allowance to noncurrent loans | 260.2535% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3238% | 3,017 |
| Noncurrent loans to loans | 0.3671% | 3,091 |
| Net loans and leases to total assets | 75.6403% | 1,194 |
| Net loans and leases to deposits | 97.5149% | 692 |
| Net loans and leases to core deposits | 103.7356% | 1,018 |
| Total domestic deposits to total assets | 77.5679% | 4,246 |
| Equity capital to assets | 9.0412% | 4,056 |
| Core capital (leverage) ratio | 8.3404% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4370% | 3,095 |
| Memoranda: | ||
| Average total assets | $2,152,978,667 | 430 |
| Average earning assets | $1,977,899,000 | 436 |
| Average equity | $207,771,333 | 482 |
| Average total loans | $1,621,108,333 | 407 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9387% | 3,961 |
| Cost of funding earning assets | 1.0572% | 1,193 |
| Net interest margin | 2.8815% | 4,457 |
| Noninterest income to average assets | 0.4535% | 2,773 |
| Noninterest expense to average assets | 2.3676% | 3,612 |
| Loan and lease loss provision to assets | 0.1475% | 1,922 |
| Net operating income to assets | 0.4809% | 3,942 |
| Return on assets (ROA) | 0.5748% | 3,737 |
| Pretax return on assets | 0.6873% | 3,721 |
| Return on Equity (ROE) | 5.7503% | 3,407 |
| Retained earnings to average equity (ytd only) | 2.8382% | 3,144 |
| Net charge-offs to loans | 0.0081% | 2,276 |
| Credit loss provision to net charge-offs | 2,451.6129% | 301 |
| Earnings coverage of net charge-offs (x) | 120.1935% | 509 |
| Efficiency ratio | 75.6075% | 1,610 |
| Assets per employee ($millions) | 8.1580% | 697 |
| Cash dividends to net income (ytd only)* | 50.6415% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,450 |
| Loan loss allowance to noncurrent loans | 295.2623% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 3,238 |
| Noncurrent loans to loans | 0.3554% | 3,221 |
| Net loans and leases to total assets | 74.0291% | 1,597 |
| Net loans and leases to deposits | 97.5296% | 778 |
| Net loans and leases to core deposits | 105.6470% | 1,081 |
| Total domestic deposits to total assets | 75.9042% | 4,497 |
| Equity capital to assets | 9.9452% | 3,843 |
| Core capital (leverage) ratio | 9.2025% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7360% | 3,174 |
| Memoranda: | ||
| Average total assets | $2,061,328,000 | 436 |
| Average earning assets | $1,886,501,000 | 437 |
| Average equity | $206,043,000 | 482 |
| Average total loans | $1,539,556,000 | 415 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 4,138 |
| Cost of funding earning assets | 1.1181% | 1,264 |
| Net interest margin | 2.9351% | 4,612 |
| Noninterest income to average assets | 0.4587% | 2,959 |
| Noninterest expense to average assets | 2.4364% | 3,603 |
| Loan and lease loss provision to assets | 0.0251% | 3,516 |
| Net operating income to assets | 0.5689% | 4,249 |
| Return on assets (ROA) | 0.5924% | 4,239 |
| Pretax return on assets | 0.6985% | 4,211 |
| Return on Equity (ROE) | 5.8802% | 3,953 |
| Retained earnings to average equity (ytd only) | 2.6405% | 3,716 |
| Net charge-offs to loans | 0.0203% | 3,013 |
| Credit loss provision to net charge-offs | 167.7852% | 1,543 |
| Earnings coverage of net charge-offs (x) | 46.5134% | 1,186 |
| Efficiency ratio | 76.7617% | 1,289 |
| Assets per employee ($millions) | 8.1049% | 682 |
| Cash dividends to net income (ytd only)* | 55.0941% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,405 |
| Loan loss allowance to noncurrent loans | 277.5456% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 3,127 |
| Noncurrent loans to loans | 0.3662% | 3,137 |
| Net loans and leases to total assets | 73.8020% | 1,787 |
| Net loans and leases to deposits | 95.9302% | 948 |
| Net loans and leases to core deposits | 103.7983% | 1,242 |
| Total domestic deposits to total assets | 76.9330% | 4,496 |
| Equity capital to assets | 10.0466% | 3,873 |
| Core capital (leverage) ratio | 9.2311% | 4,340 |
| Tier 1 risk-based capital ratio | 10.8324% | 4,915 |
| Total risk-based capital ratio | 11.7539% | 4,942 |
| Memoranda: | ||
| Average total assets | $1,991,586,600 | 428 |
| Average earning assets | $1,814,201,600 | 424 |
| Average equity | $200,641,000 | 475 |
| Average total loans | $1,466,400,200 | 414 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0495% | 4,260 |
| Cost of funding earning assets | 1.1292% | 1,246 |
| Net interest margin | 2.9203% | 4,738 |
| Noninterest income to average assets | 0.4186% | 3,212 |
| Noninterest expense to average assets | 2.4512% | 3,565 |
| Loan and lease loss provision to assets | 0.0337% | 3,234 |
| Net operating income to assets | 0.4977% | 4,522 |
| Return on assets (ROA) | 0.5280% | 4,505 |
| Pretax return on assets | 0.6253% | 4,501 |
| Return on Equity (ROE) | 5.2376% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.2271% | 4,193 |
| Net charge-offs to loans | 0.0276% | 2,540 |
| Credit loss provision to net charge-offs | 166.6667% | 1,505 |
| Earnings coverage of net charge-offs (x) | 30.7833% | 1,600 |
| Efficiency ratio | 78.6915% | 1,038 |
| Assets per employee ($millions) | 7.6618% | 788 |
| Cash dividends to net income (ytd only)* | 57.4786% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 3,297 |
| Loan loss allowance to noncurrent loans | 354.6804% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 3,478 |
| Noncurrent loans to loans | 0.2955% | 3,480 |
| Net loans and leases to total assets | 73.0640% | 1,984 |
| Net loans and leases to deposits | 97.4245% | 880 |
| Net loans and leases to core deposits | 102.8685% | 1,425 |
| Total domestic deposits to total assets | 74.9955% | 4,748 |
| Equity capital to assets | 10.1662% | 3,856 |
| Core capital (leverage) ratio | 9.4005% | 4,276 |
| Tier 1 risk-based capital ratio | 11.0610% | 4,882 |
| Total risk-based capital ratio | 12.0126% | 4,906 |
| Memoranda: | ||
| Average total assets | $1,976,850,750 | 432 |
| Average earning assets | $1,797,548,250 | 429 |
| Average equity | $199,299,250 | 480 |
| Average total loans | $1,450,782,750 | 419 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0684% | 4,235 |
| Cost of funding earning assets | 1.1300% | 1,196 |
| Net interest margin | 2.9383% | 4,769 |
| Noninterest income to average assets | 0.3842% | 3,371 |
| Noninterest expense to average assets | 2.5161% | 3,424 |
| Loan and lease loss provision to assets | 0.0458% | 2,903 |
| Net operating income to assets | 0.4291% | 4,680 |
| Return on assets (ROA) | 0.4390% | 4,685 |
| Pretax return on assets | 0.5052% | 4,692 |
| Return on Equity (ROE) | 4.3671% | 4,506 |
| Retained earnings to average equity (ytd only) | 1.3323% | 4,341 |
| Net charge-offs to loans | 0.0215% | 2,414 |
| Credit loss provision to net charge-offs | 290.3226% | 927 |
| Earnings coverage of net charge-offs (x) | 34.2323% | 1,361 |
| Efficiency ratio | 81.2833% | 853 |
| Assets per employee ($millions) | 7.2531% | 900 |
| Cash dividends to net income (ytd only)* | 69.4927% | 1,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0779% | 3,196 |
| Loan loss allowance to noncurrent loans | 338.4366% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 3,403 |
| Noncurrent loans to loans | 0.3185% | 3,390 |
| Net loans and leases to total assets | 72.9710% | 2,065 |
| Net loans and leases to deposits | 96.0285% | 1,032 |
| Net loans and leases to core deposits | 100.9974% | 1,631 |
| Total domestic deposits to total assets | 75.9889% | 4,670 |
| Equity capital to assets | 10.2847% | 3,713 |
| Core capital (leverage) ratio | 9.2283% | 4,424 |
| Tier 1 risk-based capital ratio | 11.4466% | 4,713 |
| Total risk-based capital ratio | 12.4489% | 4,726 |
| Memoranda: | ||
| Average total assets | $1,966,672,670 | 435 |
| Average earning assets | $1,788,079,000 | 434 |
| Average equity | $197,707,670 | 477 |
| Average total loans | $1,440,307,000 | 419 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0089% | 4,348 |
| Cost of funding earning assets | 1.0981% | 1,193 |
| Net interest margin | 2.9108% | 4,867 |
| Noninterest income to average assets | 0.3477% | 3,533 |
| Noninterest expense to average assets | 2.5102% | 3,481 |
| Loan and lease loss provision to assets | 0.0407% | 2,813 |
| Net operating income to assets | 0.3904% | 4,754 |
| Return on assets (ROA) | 0.3916% | 4,766 |
| Pretax return on assets | 0.4410% | 4,787 |
| Return on Equity (ROE) | 3.9410% | 4,586 |
| Retained earnings to average equity (ytd only) | 0.8717% | 4,346 |
| Net charge-offs to loans | 0.0320% | 1,812 |
| Credit loss provision to net charge-offs | 173.9130% | 1,138 |
| Earnings coverage of net charge-offs (x) | 20.5391% | 1,553 |
| Efficiency ratio | 82.8585% | 803 |
| Assets per employee ($millions) | 7.1258% | 949 |
| Cash dividends to net income (ytd only)* | 77.8816% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0643% | 3,334 |
| Loan loss allowance to noncurrent loans | 263.4546% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3861% | 3,041 |
| Noncurrent loans to loans | 0.4040% | 3,138 |
| Net loans and leases to total assets | 72.1027% | 2,144 |
| Net loans and leases to deposits | 96.1272% | 956 |
| Net loans and leases to core deposits | 102.8834% | 1,389 |
| Total domestic deposits to total assets | 75.0076% | 4,856 |
| Equity capital to assets | 9.9114% | 3,909 |
| Core capital (leverage) ratio | 9.2599% | 4,400 |
| Tier 1 risk-based capital ratio | 11.3308% | 4,821 |
| Total risk-based capital ratio | 12.3021% | 4,854 |
| Memoranda: | ||
| Average total assets | $1,967,210,000 | 432 |
| Average earning assets | $1,786,014,500 | 440 |
| Average equity | $195,483,500 | 478 |
| Average total loans | $1,435,487,500 | 424 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 4,251 |
| Cost of funding earning assets | 0.7934% | 1,556 |
| Net interest margin | 3.1171% | 4,622 |
| Noninterest income to average assets | 0.4687% | 3,001 |
| Noninterest expense to average assets | 2.2840% | 4,159 |
| Loan and lease loss provision to assets | 0.0158% | 3,835 |
| Net operating income to assets | 0.8166% | 3,741 |
| Return on assets (ROA) | 0.8183% | 3,738 |
| Pretax return on assets | 0.9879% | 3,649 |
| Return on Equity (ROE) | 8.1863% | 3,359 |
| Retained earnings to average equity (ytd only) | 3.9774% | 3,386 |
| Net charge-offs to loans | -0.0141% | 4,593 |
| Credit loss provision to net charge-offs | -155.4404% | 4,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4961% | 2,471 |
| Assets per employee ($millions) | 7.0519% | 954 |
| Cash dividends to net income (ytd only)* | 51.4139% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,229 |
| Loan loss allowance to noncurrent loans | 266.5566% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 2,987 |
| Noncurrent loans to loans | 0.4045% | 3,078 |
| Net loans and leases to total assets | 72.2773% | 2,214 |
| Net loans and leases to deposits | 99.7597% | 763 |
| Net loans and leases to core deposits | 106.7259% | 1,211 |
| Total domestic deposits to total assets | 72.4513% | 5,050 |
| Equity capital to assets | 9.9634% | 3,712 |
| Core capital (leverage) ratio | 9.3783% | 4,263 |
| Tier 1 risk-based capital ratio | 11.4423% | 4,745 |
| Total risk-based capital ratio | 12.4206% | 4,789 |
| Memoranda: | ||
| Average total assets | $1,901,495,000 | 432 |
| Average earning assets | $1,718,472,800 | 441 |
| Average equity | $190,074,000 | 470 |
| Average total loans | $1,373,468,800 | 427 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 4,398 |
| Cost of funding earning assets | 0.7357% | 1,647 |
| Net interest margin | 3.0816% | 4,738 |
| Noninterest income to average assets | 0.4670% | 3,061 |
| Noninterest expense to average assets | 2.3175% | 4,057 |
| Loan and lease loss provision to assets | 0.0212% | 3,591 |
| Net operating income to assets | 0.7468% | 4,086 |
| Return on assets (ROA) | 0.7490% | 4,087 |
| Pretax return on assets | 0.9153% | 3,961 |
| Return on Equity (ROE) | 7.4867% | 3,759 |
| Retained earnings to average equity (ytd only) | 3.2565% | 4,113 |
| Net charge-offs to loans | -0.0245% | 4,687 |
| Credit loss provision to net charge-offs | -120.0000% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2441% | 2,158 |
| Assets per employee ($millions) | 6.7708% | 1,032 |
| Cash dividends to net income (ytd only)* | 56.5025% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 3,203 |
| Loan loss allowance to noncurrent loans | 252.7007% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 3,022 |
| Noncurrent loans to loans | 0.4347% | 3,102 |
| Net loans and leases to total assets | 72.5855% | 2,233 |
| Net loans and leases to deposits | 100.4407% | 743 |
| Net loans and leases to core deposits | 105.2164% | 1,358 |
| Total domestic deposits to total assets | 72.2671% | 5,107 |
| Equity capital to assets | 9.8588% | 3,772 |
| Core capital (leverage) ratio | 9.3703% | 4,312 |
| Tier 1 risk-based capital ratio | 11.3373% | 4,881 |
| Total risk-based capital ratio | 12.3270% | 4,897 |
| Memoranda: | ||
| Average total assets | $1,890,289,750 | 430 |
| Average earning assets | $1,707,923,250 | 436 |
| Average equity | $189,112,750 | 466 |
| Average total loans | $1,361,316,250 | 427 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 4,332 |
| Cost of funding earning assets | 0.6808% | 1,736 |
| Net interest margin | 3.1266% | 4,676 |
| Noninterest income to average assets | 0.4849% | 2,949 |
| Noninterest expense to average assets | 2.3587% | 4,001 |
| Loan and lease loss provision to assets | 0.0318% | 3,275 |
| Net operating income to assets | 0.7566% | 4,011 |
| Return on assets (ROA) | 0.7566% | 4,010 |
| Pretax return on assets | 0.9199% | 3,910 |
| Return on Equity (ROE) | 7.5257% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.4138% | 2,865 |
| Net charge-offs to loans | -0.0683% | 5,032 |
| Credit loss provision to net charge-offs | -65.2174% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2306% | 2,270 |
| Assets per employee ($millions) | 6.8916% | 968 |
| Cash dividends to net income (ytd only)* | 28.0623% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,009 |
| Loan loss allowance to noncurrent loans | 231.3464% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5321% | 2,636 |
| Noncurrent loans to loans | 0.4949% | 2,950 |
| Net loans and leases to total assets | 71.0744% | 2,426 |
| Net loans and leases to deposits | 97.3504% | 1,014 |
| Net loans and leases to core deposits | 100.8107% | 1,666 |
| Total domestic deposits to total assets | 73.0088% | 5,118 |
| Equity capital to assets | 10.0390% | 3,584 |
| Core capital (leverage) ratio | 9.4540% | 4,172 |
| Tier 1 risk-based capital ratio | 11.9206% | 4,547 |
| Total risk-based capital ratio | 12.9861% | 4,538 |
| Memoranda: | ||
| Average total assets | $1,883,926,670 | 430 |
| Average earning assets | $1,702,498,670 | 436 |
| Average equity | $189,403,330 | 465 |
| Average total loans | $1,347,980,000 | 431 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8304% | 4,131 |
| Cost of funding earning assets | 0.6216% | 1,905 |
| Net interest margin | 3.2088% | 4,434 |
| Noninterest income to average assets | 0.4732% | 2,977 |
| Noninterest expense to average assets | 2.4465% | 3,825 |
| Loan and lease loss provision to assets | 0.0639% | 2,492 |
| Net operating income to assets | 0.7198% | 4,030 |
| Return on assets (ROA) | 0.7198% | 4,039 |
| Pretax return on assets | 0.8629% | 3,973 |
| Return on Equity (ROE) | 7.1543% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.9210% | 4,029 |
| Net charge-offs to loans | -0.1984% | 5,380 |
| Credit loss provision to net charge-offs | -45.1128% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5215% | 2,261 |
| Assets per employee ($millions) | 6.9135% | 993 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,959 |
| Loan loss allowance to noncurrent loans | 204.9131% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,542 |
| Noncurrent loans to loans | 0.5731% | 2,823 |
| Net loans and leases to total assets | 70.7412% | 2,367 |
| Net loans and leases to deposits | 94.9406% | 1,139 |
| Net loans and leases to core deposits | 104.4305% | 1,347 |
| Total domestic deposits to total assets | 74.5111% | 5,105 |
| Equity capital to assets | 10.0031% | 3,585 |
| Core capital (leverage) ratio | 9.2897% | 4,336 |
| Tier 1 risk-based capital ratio | 11.4054% | 4,917 |
| Total risk-based capital ratio | 12.4613% | 4,922 |
| Memoranda: | ||
| Average total assets | $1,878,296,000 | 437 |
| Average earning assets | $1,697,561,500 | 441 |
| Average equity | $188,976,500 | 471 |
| Average total loans | $1,340,672,500 | 433 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8439% | 3,904 |
| Cost of funding earning assets | 0.4795% | 2,507 |
| Net interest margin | 3.3644% | 3,954 |
| Noninterest income to average assets | 0.5286% | 2,828 |
| Noninterest expense to average assets | 2.4110% | 4,050 |
| Loan and lease loss provision to assets | 0.1555% | 1,449 |
| Net operating income to assets | 0.5423% | 4,252 |
| Return on assets (ROA) | 0.5446% | 4,272 |
| Pretax return on assets | 0.9968% | 3,582 |
| Return on Equity (ROE) | 5.3713% | 4,017 |
| Retained earnings to average equity (ytd only) | 2.1984% | 4,004 |
| Net charge-offs to loans | 0.1638% | 1,497 |
| Credit loss provision to net charge-offs | 138.0952% | 1,914 |
| Earnings coverage of net charge-offs (x) | 10.2019% | 2,706 |
| Efficiency ratio | 66.7716% | 3,118 |
| Assets per employee ($millions) | 7.0004% | 967 |
| Cash dividends to net income (ytd only)* | 59.0726% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 3,283 |
| Loan loss allowance to noncurrent loans | 156.0942% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 2,246 |
| Noncurrent loans to loans | 0.7121% | 2,423 |
| Net loans and leases to total assets | 70.3807% | 2,468 |
| Net loans and leases to deposits | 94.6186% | 1,205 |
| Net loans and leases to core deposits | 103.7343% | 1,430 |
| Total domestic deposits to total assets | 74.3836% | 5,148 |
| Equity capital to assets | 10.1191% | 3,576 |
| Core capital (leverage) ratio | 9.3811% | 4,190 |
| Tier 1 risk-based capital ratio | 11.4528% | 4,882 |
| Total risk-based capital ratio | 12.4506% | 4,914 |
| Memoranda: | ||
| Average total assets | $1,865,019,000 | 435 |
| Average earning assets | $1,680,264,400 | 434 |
| Average equity | $189,096,000 | 457 |
| Average total loans | $1,281,892,000 | 434 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8327% | 3,892 |
| Cost of funding earning assets | 0.4619% | 2,600 |
| Net interest margin | 3.3708% | 3,944 |
| Noninterest income to average assets | 0.4529% | 3,317 |
| Noninterest expense to average assets | 2.3905% | 4,042 |
| Loan and lease loss provision to assets | 0.1253% | 1,730 |
| Net operating income to assets | 0.7005% | 3,979 |
| Return on assets (ROA) | 0.7050% | 4,019 |
| Pretax return on assets | 0.9787% | 3,769 |
| Return on Equity (ROE) | 6.9499% | 3,687 |
| Retained earnings to average equity (ytd only) | 4.1268% | 3,456 |
| Net charge-offs to loans | 0.2101% | 1,024 |
| Credit loss provision to net charge-offs | 87.5438% | 2,488 |
| Earnings coverage of net charge-offs (x) | 7.6693% | 2,853 |
| Efficiency ratio | 67.5527% | 2,958 |
| Assets per employee ($millions) | 6.9578% | 974 |
| Cash dividends to net income (ytd only)* | 40.6215% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,747 |
| Loan loss allowance to noncurrent loans | 131.6724% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.7525% | 2,246 |
| Noncurrent loans to loans | 0.8028% | 2,352 |
| Net loans and leases to total assets | 69.7591% | 2,598 |
| Net loans and leases to deposits | 93.0133% | 1,419 |
| Net loans and leases to core deposits | 99.5765% | 1,741 |
| Total domestic deposits to total assets | 74.9991% | 5,123 |
| Equity capital to assets | 10.4272% | 3,446 |
| Core capital (leverage) ratio | 9.4425% | 4,233 |
| Tier 1 risk-based capital ratio | 11.6856% | 4,835 |
| Total risk-based capital ratio | 12.6249% | 4,923 |
| Memoranda: | ||
| Average total assets | $1,862,246,250 | 438 |
| Average earning assets | $1,676,819,000 | 440 |
| Average equity | $188,908,500 | 459 |
| Average total loans | $1,268,549,500 | 438 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,201 |
| Cost of funding earning assets | 0.4358% | 2,748 |
| Net interest margin | 3.2730% | 4,198 |
| Noninterest income to average assets | 0.4379% | 3,437 |
| Noninterest expense to average assets | 2.3983% | 4,054 |
| Loan and lease loss provision to assets | 0.0804% | 2,382 |
| Net operating income to assets | 0.6592% | 4,034 |
| Return on assets (ROA) | 0.6666% | 4,057 |
| Pretax return on assets | 0.9157% | 3,880 |
| Return on Equity (ROE) | 6.6329% | 3,763 |
| Retained earnings to average equity (ytd only) | 2.3674% | 4,259 |
| Net charge-offs to loans | 0.2566% | 796 |
| Credit loss provision to net charge-offs | 46.5261% | 2,594 |
| Earnings coverage of net charge-offs (x) | 5.7066% | 2,796 |
| Efficiency ratio | 69.8600% | 2,693 |
| Assets per employee ($millions) | 6.8294% | 1,000 |
| Cash dividends to net income (ytd only)* | 64.3087% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 4,006 |
| Loan loss allowance to noncurrent loans | 135.7327% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.7077% | 2,445 |
| Noncurrent loans to loans | 0.7541% | 2,506 |
| Net loans and leases to total assets | 67.8686% | 2,835 |
| Net loans and leases to deposits | 91.7673% | 1,531 |
| Net loans and leases to core deposits | 99.3416% | 1,697 |
| Total domestic deposits to total assets | 73.9573% | 5,295 |
| Equity capital to assets | 10.1314% | 3,759 |
| Core capital (leverage) ratio | 9.1259% | 4,581 |
| Tier 1 risk-based capital ratio | 11.5205% | 4,943 |
| Total risk-based capital ratio | 12.4308% | 5,046 |
| Memoranda: | ||
| Average total assets | $1,866,073,000 | 437 |
| Average earning assets | $1,679,823,000 | 443 |
| Average equity | $187,550,330 | 460 |
| Average total loans | $1,256,442,000 | 444 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 4,652 |
| Cost of funding earning assets | 0.3893% | 3,103 |
| Net interest margin | 3.1254% | 4,581 |
| Noninterest income to average assets | 0.4176% | 3,542 |
| Noninterest expense to average assets | 2.3969% | 4,119 |
| Loan and lease loss provision to assets | 0.0538% | 2,727 |
| Net operating income to assets | 0.5844% | 4,222 |
| Return on assets (ROA) | 0.5843% | 4,270 |
| Pretax return on assets | 0.7793% | 4,186 |
| Return on Equity (ROE) | 5.8371% | 3,985 |
| Retained earnings to average equity (ytd only) | 1.5404% | 4,484 |
| Net charge-offs to loans | 0.6657% | 267 |
| Credit loss provision to net charge-offs | 12.1065% | 2,212 |
| Earnings coverage of net charge-offs (x) | 1.8765% | 2,669 |
| Efficiency ratio | 73.1443% | 2,383 |
| Assets per employee ($millions) | 6.6341% | 1,111 |
| Cash dividends to net income (ytd only)* | 73.6106% | 1,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,439 |
| Loan loss allowance to noncurrent loans | 121.2374% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7210% | 2,493 |
| Noncurrent loans to loans | 0.8008% | 2,453 |
| Net loans and leases to total assets | 66.4301% | 2,908 |
| Net loans and leases to deposits | 90.6462% | 1,466 |
| Net loans and leases to core deposits | 97.6942% | 1,683 |
| Total domestic deposits to total assets | 73.2851% | 5,469 |
| Equity capital to assets | 9.9474% | 3,817 |
| Core capital (leverage) ratio | 9.2240% | 4,444 |
| Tier 1 risk-based capital ratio | 11.5050% | 5,024 |
| Total risk-based capital ratio | 12.3587% | 5,148 |
| Memoranda: | ||
| Average total assets | $1,860,065,500 | 441 |
| Average earning assets | $1,673,900,500 | 447 |
| Average equity | $186,187,000 | 460 |
| Average total loans | $1,240,756,500 | 449 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5469% | 4,644 |
| Cost of funding earning assets | 0.3720% | 3,298 |
| Net interest margin | 3.1749% | 4,519 |
| Noninterest income to average assets | 0.6482% | 2,424 |
| Noninterest expense to average assets | 2.4783% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7861% | 3,372 |
| Return on assets (ROA) | 0.8091% | 3,371 |
| Pretax return on assets | 1.0629% | 3,248 |
| Return on Equity (ROE) | 8.0264% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.7356% | 1,862 |
| Net charge-offs to loans | 0.0566% | 2,919 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 27.7349% | 1,502 |
| Efficiency ratio | 69.6284% | 2,974 |
| Assets per employee ($millions) | 6.3761% | 1,222 |
| Cash dividends to net income (ytd only)* | 28.5408% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 3,436 |
| Loan loss allowance to noncurrent loans | 127.3741% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 2,231 |
| Noncurrent loans to loans | 0.9021% | 2,294 |
| Net loans and leases to total assets | 65.5593% | 3,139 |
| Net loans and leases to deposits | 84.4618% | 2,365 |
| Net loans and leases to core deposits | 91.9049% | 2,309 |
| Total domestic deposits to total assets | 77.6201% | 5,028 |
| Equity capital to assets | 10.0731% | 3,645 |
| Core capital (leverage) ratio | 9.2528% | 4,404 |
| Tier 1 risk-based capital ratio | 11.8498% | 4,821 |
| Total risk-based capital ratio | 12.8582% | 4,897 |
| Memoranda: | ||
| Average total assets | $1,732,254,600 | 457 |
| Average earning assets | $1,561,967,200 | 450 |
| Average equity | $174,612,000 | 471 |
| Average total loans | $1,138,989,600 | 456 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5177% | 4,761 |
| Cost of funding earning assets | 0.3685% | 3,345 |
| Net interest margin | 3.1492% | 4,640 |
| Noninterest income to average assets | 0.6637% | 2,350 |
| Noninterest expense to average assets | 2.4388% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8055% | 3,339 |
| Return on assets (ROA) | 0.8253% | 3,384 |
| Pretax return on assets | 1.0928% | 3,262 |
| Return on Equity (ROE) | 8.1863% | 2,916 |
| Retained earnings to average equity (ytd only) | 5.0831% | 2,765 |
| Net charge-offs to loans | -0.0079% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6242% | 3,117 |
| Assets per employee ($millions) | 6.2758% | 1,249 |
| Cash dividends to net income (ytd only)* | 37.9075% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 3,138 |
| Loan loss allowance to noncurrent loans | 192.8880% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 2,934 |
| Noncurrent loans to loans | 0.6305% | 3,124 |
| Net loans and leases to total assets | 65.1785% | 3,249 |
| Net loans and leases to deposits | 85.8003% | 2,283 |
| Net loans and leases to core deposits | 92.9225% | 2,286 |
| Total domestic deposits to total assets | 75.9653% | 5,239 |
| Equity capital to assets | 10.2214% | 3,888 |
| Core capital (leverage) ratio | 9.2371% | 4,546 |
| Tier 1 risk-based capital ratio | 11.6699% | 4,996 |
| Total risk-based capital ratio | 12.7353% | 5,006 |
| Memoranda: | ||
| Average total assets | $1,704,645,500 | 460 |
| Average earning assets | $1,538,263,000 | 453 |
| Average equity | $171,860,750 | 478 |
| Average total loans | $1,118,212,250 | 463 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5545% | 4,725 |
| Cost of funding earning assets | 0.3549% | 3,513 |
| Net interest margin | 3.1996% | 4,542 |
| Noninterest income to average assets | 0.5056% | 3,158 |
| Noninterest expense to average assets | 2.4095% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6854% | 3,870 |
| Return on assets (ROA) | 0.7135% | 3,878 |
| Pretax return on assets | 1.0233% | 3,498 |
| Return on Equity (ROE) | 7.1136% | 3,476 |
| Retained earnings to average equity (ytd only) | 2.3087% | 4,403 |
| Net charge-offs to loans | -0.0215% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0207% | 2,820 |
| Assets per employee ($millions) | 6.3725% | 1,151 |
| Cash dividends to net income (ytd only)* | 67.5447% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3291% | 2,630 |
| Loan loss allowance to noncurrent loans | 209.4652% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 3,557 |
| Noncurrent loans to loans | 0.6345% | 3,174 |
| Net loans and leases to total assets | 65.8289% | 3,106 |
| Net loans and leases to deposits | 83.0703% | 2,585 |
| Net loans and leases to core deposits | 91.1943% | 2,420 |
| Total domestic deposits to total assets | 79.2448% | 4,722 |
| Equity capital to assets | 10.1303% | 4,057 |
| Core capital (leverage) ratio | 8.7718% | 5,092 |
| Tier 1 risk-based capital ratio | 11.7663% | 4,998 |
| Total risk-based capital ratio | 12.9796% | 4,904 |
| Memoranda: | ||
| Average total assets | $1,659,927,000 | 467 |
| Average earning assets | $1,497,802,670 | 463 |
| Average equity | $166,497,330 | 490 |
| Average total loans | $1,086,530,670 | 471 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 4,698 |
| Cost of funding earning assets | 0.3310% | 3,829 |
| Net interest margin | 3.2404% | 4,428 |
| Noninterest income to average assets | 0.5075% | 3,066 |
| Noninterest expense to average assets | 2.4557% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6789% | 3,825 |
| Return on assets (ROA) | 0.7279% | 3,695 |
| Pretax return on assets | 1.0494% | 3,280 |
| Return on Equity (ROE) | 7.2939% | 3,292 |
| Retained earnings to average equity (ytd only) | 2.4507% | 4,279 |
| Net charge-offs to loans | -0.0078% | 4,436 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5110% | 2,871 |
| Assets per employee ($millions) | 6.4471% | 1,137 |
| Cash dividends to net income (ytd only)* | 66.4011% | 1,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 2,574 |
| Loan loss allowance to noncurrent loans | 204.9749% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 3,599 |
| Noncurrent loans to loans | 0.6670% | 3,174 |
| Net loans and leases to total assets | 63.5517% | 3,312 |
| Net loans and leases to deposits | 82.2322% | 2,515 |
| Net loans and leases to core deposits | 89.7782% | 2,397 |
| Total domestic deposits to total assets | 77.2832% | 5,251 |
| Equity capital to assets | 10.0062% | 4,077 |
| Core capital (leverage) ratio | 8.8857% | 4,978 |
| Tier 1 risk-based capital ratio | 11.7599% | 5,072 |
| Total risk-based capital ratio | 12.9762% | 5,000 |
| Memoranda: | ||
| Average total assets | $1,655,095,500 | 465 |
| Average earning assets | $1,494,744,000 | 466 |
| Average equity | $165,179,000 | 490 |
| Average total loans | $1,072,857,000 | 476 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8244% | 3,966 |
| Cost of funding earning assets | 0.3789% | 3,384 |
| Net interest margin | 3.4456% | 3,739 |
| Noninterest income to average assets | 0.6171% | 2,635 |
| Noninterest expense to average assets | 2.7635% | 3,372 |
| Loan and lease loss provision to assets | 0.0383% | 3,571 |
| Net operating income to assets | 0.6820% | 3,897 |
| Return on assets (ROA) | 0.6895% | 3,971 |
| Pretax return on assets | 0.9304% | 3,724 |
| Return on Equity (ROE) | 6.6769% | 3,695 |
| Retained earnings to average equity (ytd only) | -29.0260% | 6,141 |
| Net charge-offs to loans | -0.1953% | 5,947 |
| Credit loss provision to net charge-offs | -29.5381% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2465% | 2,541 |
| Assets per employee ($millions) | 6.4330% | 1,128 |
| Cash dividends to net income (ytd only)* | 534.7203% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 2,542 |
| Loan loss allowance to noncurrent loans | 219.4204% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 3,696 |
| Noncurrent loans to loans | 0.6257% | 3,310 |
| Net loans and leases to total assets | 64.3219% | 3,227 |
| Net loans and leases to deposits | 81.7572% | 2,623 |
| Net loans and leases to core deposits | 88.8757% | 2,512 |
| Total domestic deposits to total assets | 78.6743% | 5,039 |
| Equity capital to assets | 9.9534% | 4,013 |
| Core capital (leverage) ratio | 8.9863% | 4,902 |
| Tier 1 risk-based capital ratio | 11.6506% | 5,161 |
| Total risk-based capital ratio | 12.8568% | 5,095 |
| Memoranda: | ||
| Average total assets | $1,436,124,600 | 496 |
| Average earning assets | $1,294,159,800 | 501 |
| Average equity | $148,301,400 | 510 |
| Average total loans | $953,182,800 | 506 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 4,127 |
| Cost of funding earning assets | 0.3944% | 3,278 |
| Net interest margin | 3.3940% | 3,986 |
| Noninterest income to average assets | 0.6184% | 2,642 |
| Noninterest expense to average assets | 2.7981% | 3,196 |
| Loan and lease loss provision to assets | 0.0529% | 3,137 |
| Net operating income to assets | 0.6152% | 4,305 |
| Return on assets (ROA) | 0.6282% | 4,357 |
| Pretax return on assets | 0.8434% | 4,196 |
| Return on Equity (ROE) | 6.0191% | 4,141 |
| Retained earnings to average equity (ytd only) | -42.8164% | 6,247 |
| Net charge-offs to loans | -0.2397% | 6,036 |
| Credit loss provision to net charge-offs | -33.1126% | 4,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1016% | 2,229 |
| Assets per employee ($millions) | 6.2441% | 1,205 |
| Cash dividends to net income (ytd only)* | 811.3389% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 2,684 |
| Loan loss allowance to noncurrent loans | 173.8510% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6109% | 3,440 |
| Noncurrent loans to loans | 0.7958% | 2,970 |
| Net loans and leases to total assets | 64.0985% | 3,296 |
| Net loans and leases to deposits | 80.4489% | 2,825 |
| Net loans and leases to core deposits | 87.1089% | 2,742 |
| Total domestic deposits to total assets | 79.6761% | 4,810 |
| Equity capital to assets | 10.0510% | 4,095 |
| Core capital (leverage) ratio | 8.7658% | 5,281 |
| Tier 1 risk-based capital ratio | 11.8932% | 5,142 |
| Total risk-based capital ratio | 13.1312% | 5,072 |
| Memoranda: | ||
| Average total assets | $1,385,054,750 | 517 |
| Average earning assets | $1,248,110,500 | 527 |
| Average equity | $144,557,750 | 525 |
| Average total loans | $924,021,750 | 522 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 4,744 |
| Cost of funding earning assets | 0.4149% | 3,099 |
| Net interest margin | 3.1755% | 4,731 |
| Noninterest income to average assets | 0.6271% | 2,592 |
| Noninterest expense to average assets | 2.6942% | 3,610 |
| Loan and lease loss provision to assets | 0.0840% | 2,438 |
| Net operating income to assets | 0.5462% | 4,574 |
| Return on assets (ROA) | 0.5688% | 4,580 |
| Pretax return on assets | 0.7399% | 4,523 |
| Return on Equity (ROE) | 5.3642% | 4,444 |
| Retained earnings to average equity (ytd only) | -68.0042% | 6,332 |
| Net charge-offs to loans | 0.0356% | 2,963 |
| Credit loss provision to net charge-offs | 350.3185% | 828 |
| Earnings coverage of net charge-offs (x) | 33.1465% | 1,280 |
| Efficiency ratio | 77.2244% | 2,171 |
| Assets per employee ($millions) | 5.8459% | 1,468 |
| Cash dividends to net income (ytd only)* | 1,367.7315% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2136% | 3,711 |
| Loan loss allowance to noncurrent loans | 112.7938% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.7947% | 3,000 |
| Noncurrent loans to loans | 1.0759% | 2,493 |
| Net loans and leases to total assets | 63.6840% | 3,310 |
| Net loans and leases to deposits | 79.9660% | 2,786 |
| Net loans and leases to core deposits | 86.3268% | 2,733 |
| Total domestic deposits to total assets | 79.6388% | 4,942 |
| Equity capital to assets | 9.8574% | 4,204 |
| Core capital (leverage) ratio | 8.6770% | 5,346 |
| Tier 1 risk-based capital ratio | 10.8185% | 5,793 |
| Total risk-based capital ratio | 11.8105% | 5,845 |
| Memoranda: | ||
| Average total assets | $1,309,859,670 | 541 |
| Average earning assets | $1,180,420,330 | 548 |
| Average equity | $138,882,670 | 549 |
| Average total loans | $882,996,000 | 539 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3785% | 5,253 |
| Cost of funding earning assets | 0.4497% | 2,769 |
| Net interest margin | 2.9288% | 5,386 |
| Noninterest income to average assets | 0.5932% | 2,682 |
| Noninterest expense to average assets | 2.3848% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6468% | 4,062 |
| Return on assets (ROA) | 0.6981% | 3,937 |
| Pretax return on assets | 0.9211% | 3,808 |
| Return on Equity (ROE) | 6.2749% | 3,886 |
| Retained earnings to average equity (ytd only) | 1.9235% | 4,703 |
| Net charge-offs to loans | -0.0414% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6420% | 2,872 |
| Assets per employee ($millions) | 6.8219% | 932 |
| Cash dividends to net income (ytd only)* | 69.3452% | 1,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 2,325 |
| Loan loss allowance to noncurrent loans | 199.2102% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 3,678 |
| Noncurrent loans to loans | 0.7681% | 3,336 |
| Net loans and leases to total assets | 68.5788% | 2,351 |
| Net loans and leases to deposits | 91.5976% | 1,233 |
| Net loans and leases to core deposits | 102.2315% | 1,164 |
| Total domestic deposits to total assets | 74.8697% | 5,838 |
| Equity capital to assets | 11.1358% | 2,823 |
| Core capital (leverage) ratio | 10.8776% | 2,539 |
| Tier 1 risk-based capital ratio | 13.3501% | 4,394 |
| Total risk-based capital ratio | 14.3702% | 4,462 |
| Memoranda: | ||
| Average total assets | $1,155,130,000 | 610 |
| Average earning assets | $1,043,288,000 | 617 |
| Average equity | $128,512,500 | 594 |
| Average total loans | $802,536,000 | 575 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4943% | 5,328 |
| Cost of funding earning assets | 0.5031% | 2,647 |
| Net interest margin | 2.9912% | 5,465 |
| Noninterest income to average assets | 0.5450% | 3,201 |
| Noninterest expense to average assets | 2.2695% | 5,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7179% | 3,803 |
| Return on assets (ROA) | 0.7208% | 3,898 |
| Pretax return on assets | 0.9700% | 3,613 |
| Return on Equity (ROE) | 6.6245% | 3,828 |
| Retained earnings to average equity (ytd only) | 2.5211% | 4,447 |
| Net charge-offs to loans | -0.0024% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1429% | 3,505 |
| Assets per employee ($millions) | 6.7678% | 929 |
| Cash dividends to net income (ytd only)* | 61.9423% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 2,301 |
| Loan loss allowance to noncurrent loans | 188.0515% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6423% | 3,647 |
| Noncurrent loans to loans | 0.8187% | 3,266 |
| Net loans and leases to total assets | 68.2388% | 2,522 |
| Net loans and leases to deposits | 91.7301% | 1,317 |
| Net loans and leases to core deposits | 102.0065% | 1,246 |
| Total domestic deposits to total assets | 74.3908% | 5,914 |
| Equity capital to assets | 11.1148% | 2,789 |
| Core capital (leverage) ratio | 11.1529% | 2,255 |
| Tier 1 risk-based capital ratio | 13.7482% | 4,269 |
| Total risk-based capital ratio | 14.9994% | 4,203 |
| Memoranda: | ||
| Average total assets | $1,144,236,800 | 592 |
| Average earning assets | $1,029,242,600 | 596 |
| Average equity | $124,507,000 | 590 |
| Average total loans | $777,833,200 | 562 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5223% | 5,341 |
| Cost of funding earning assets | 0.5126% | 2,629 |
| Net interest margin | 3.0097% | 5,480 |
| Noninterest income to average assets | 0.5278% | 3,339 |
| Noninterest expense to average assets | 2.2962% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7054% | 3,915 |
| Return on assets (ROA) | 0.7093% | 3,999 |
| Pretax return on assets | 0.9416% | 3,821 |
| Return on Equity (ROE) | 6.5542% | 3,933 |
| Retained earnings to average equity (ytd only) | 2.5865% | 4,745 |
| Net charge-offs to loans | -0.0090% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0331% | 3,338 |
| Assets per employee ($millions) | 6.7360% | 897 |
| Cash dividends to net income (ytd only)* | 60.5362% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 2,404 |
| Loan loss allowance to noncurrent loans | 186.3588% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6772% | 3,802 |
| Noncurrent loans to loans | 0.8442% | 3,462 |
| Net loans and leases to total assets | 68.4574% | 2,467 |
| Net loans and leases to deposits | 94.2096% | 1,018 |
| Net loans and leases to core deposits | 104.8498% | 1,041 |
| Total domestic deposits to total assets | 72.6650% | 6,118 |
| Equity capital to assets | 11.2360% | 2,716 |
| Core capital (leverage) ratio | 11.0962% | 2,401 |
| Tier 1 risk-based capital ratio | 13.9932% | 4,221 |
| Total risk-based capital ratio | 15.2449% | 4,161 |
| Memoranda: | ||
| Average total assets | $1,142,662,750 | 589 |
| Average earning assets | $1,026,917,250 | 596 |
| Average equity | $123,663,750 | 591 |
| Average total loans | $772,945,000 | 565 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5299% | 5,342 |
| Cost of funding earning assets | 0.5144% | 2,679 |
| Net interest margin | 3.0155% | 5,476 |
| Noninterest income to average assets | 0.5085% | 3,413 |
| Noninterest expense to average assets | 2.2654% | 5,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7113% | 3,776 |
| Return on assets (ROA) | 0.7320% | 3,757 |
| Pretax return on assets | 0.9779% | 3,569 |
| Return on Equity (ROE) | 6.8495% | 3,697 |
| Retained earnings to average equity (ytd only) | 2.5889% | 4,554 |
| Net charge-offs to loans | 0.0068% | 4,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 209.8846% | 318 |
| Efficiency ratio | 70.4500% | 3,584 |
| Assets per employee ($millions) | 6.8905% | 845 |
| Cash dividends to net income (ytd only)* | 62.2027% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5663% | 2,599 |
| Loan loss allowance to noncurrent loans | 202.4665% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 3,992 |
| Noncurrent loans to loans | 0.7736% | 3,766 |
| Net loans and leases to total assets | 66.4001% | 2,695 |
| Net loans and leases to deposits | 92.8665% | 1,064 |
| Net loans and leases to core deposits | 103.3793% | 1,059 |
| Total domestic deposits to total assets | 71.5005% | 6,283 |
| Equity capital to assets | 10.7435% | 3,153 |
| Core capital (leverage) ratio | 10.8252% | 2,600 |
| Tier 1 risk-based capital ratio | 13.6907% | 4,460 |
| Total risk-based capital ratio | 14.9420% | 4,405 |
| Memoranda: | ||
| Average total assets | $1,148,580,330 | 581 |
| Average earning assets | $1,031,147,000 | 593 |
| Average equity | $122,753,330 | 592 |
| Average total loans | $769,795,670 | 566 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5140% | 5,385 |
| Cost of funding earning assets | 0.5203% | 2,715 |
| Net interest margin | 2.9937% | 5,540 |
| Noninterest income to average assets | 0.4514% | 3,778 |
| Noninterest expense to average assets | 2.2506% | 5,323 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6698% | 3,843 |
| Return on assets (ROA) | 0.7052% | 3,739 |
| Pretax return on assets | 0.9377% | 3,564 |
| Return on Equity (ROE) | 6.6160% | 3,674 |
| Retained earnings to average equity (ytd only) | 1.8041% | 4,882 |
| Net charge-offs to loans | -0.0058% | 4,857 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6496% | 3,549 |
| Assets per employee ($millions) | 6.8597% | 860 |
| Cash dividends to net income (ytd only)* | 72.7318% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 2,717 |
| Loan loss allowance to noncurrent loans | 138.7626% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9137% | 3,441 |
| Noncurrent loans to loans | 1.1513% | 3,124 |
| Net loans and leases to total assets | 65.9625% | 2,570 |
| Net loans and leases to deposits | 88.1962% | 1,338 |
| Net loans and leases to core deposits | 97.4855% | 1,276 |
| Total domestic deposits to total assets | 74.7907% | 6,175 |
| Equity capital to assets | 10.6766% | 3,067 |
| Core capital (leverage) ratio | 10.7634% | 2,636 |
| Tier 1 risk-based capital ratio | 13.8089% | 4,466 |
| Total risk-based capital ratio | 15.0605% | 4,415 |
| Memoranda: | ||
| Average total assets | $1,144,070,500 | 589 |
| Average earning assets | $1,027,888,500 | 598 |
| Average equity | $121,946,500 | 596 |
| Average total loans | $764,254,500 | 570 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6088% | 5,381 |
| Cost of funding earning assets | 0.6821% | 1,944 |
| Net interest margin | 2.9267% | 5,736 |
| Noninterest income to average assets | 0.7403% | 2,333 |
| Noninterest expense to average assets | 2.3730% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7638% | 3,476 |
| Return on assets (ROA) | 0.7924% | 3,430 |
| Pretax return on assets | 1.0474% | 3,161 |
| Return on Equity (ROE) | 7.4565% | 3,317 |
| Retained earnings to average equity (ytd only) | 4.6591% | 2,844 |
| Net charge-offs to loans | 0.3096% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.9757% | 3,411 |
| Efficiency ratio | 70.1497% | 3,818 |
| Assets per employee ($millions) | 6.6428% | 931 |
| Cash dividends to net income (ytd only)* | 37.5166% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,160 |
| Loan loss allowance to noncurrent loans | 119.1771% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.9844% | 3,446 |
| Noncurrent loans to loans | 1.2622% | 3,019 |
| Net loans and leases to total assets | 65.5673% | 2,758 |
| Net loans and leases to deposits | 84.0520% | 1,938 |
| Net loans and leases to core deposits | 92.9389% | 1,679 |
| Total domestic deposits to total assets | 78.0081% | 5,825 |
| Equity capital to assets | 10.6413% | 2,984 |
| Core capital (leverage) ratio | 10.6284% | 2,754 |
| Tier 1 risk-based capital ratio | 13.9015% | 4,363 |
| Total risk-based capital ratio | 15.1533% | 4,303 |
| Memoranda: | ||
| Average total assets | $1,137,277,200 | 579 |
| Average earning assets | $1,026,854,400 | 581 |
| Average equity | $120,860,800 | 588 |
| Average total loans | $745,359,200 | 565 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5566% | 5,564 |
| Cost of funding earning assets | 0.7125% | 1,867 |
| Net interest margin | 2.8441% | 5,933 |
| Noninterest income to average assets | 0.7542% | 2,346 |
| Noninterest expense to average assets | 2.3455% | 5,194 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7518% | 3,591 |
| Return on assets (ROA) | 0.7894% | 3,534 |
| Pretax return on assets | 1.0287% | 3,383 |
| Return on Equity (ROE) | 7.4310% | 3,418 |
| Retained earnings to average equity (ytd only) | 4.8016% | 3,234 |
| Net charge-offs to loans | -0.0018% | 5,680 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5365% | 3,666 |
| Assets per employee ($millions) | 6.7028% | 852 |
| Cash dividends to net income (ytd only)* | 35.3850% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 2,059 |
| Loan loss allowance to noncurrent loans | 103.8055% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.3557% | 2,931 |
| Noncurrent loans to loans | 1.8114% | 2,484 |
| Net loans and leases to total assets | 64.9418% | 2,815 |
| Net loans and leases to deposits | 84.2471% | 1,849 |
| Net loans and leases to core deposits | 94.2675% | 1,544 |
| Total domestic deposits to total assets | 77.0850% | 6,036 |
| Equity capital to assets | 10.4856% | 3,295 |
| Core capital (leverage) ratio | 10.7022% | 2,789 |
| Tier 1 risk-based capital ratio | 13.6874% | 4,638 |
| Total risk-based capital ratio | 14.9410% | 4,590 |
| Memoranda: | ||
| Average total assets | $1,135,955,000 | 581 |
| Average earning assets | $1,026,833,250 | 583 |
| Average equity | $120,680,000 | 595 |
| Average total loans | $741,551,250 | 568 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5764% | 5,508 |
| Cost of funding earning assets | 0.7280% | 1,860 |
| Net interest margin | 2.8483% | 5,903 |
| Noninterest income to average assets | 0.8031% | 2,174 |
| Noninterest expense to average assets | 2.3721% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7671% | 3,483 |
| Return on assets (ROA) | 0.8192% | 3,359 |
| Pretax return on assets | 1.0797% | 3,173 |
| Return on Equity (ROE) | 7.6776% | 3,246 |
| Retained earnings to average equity (ytd only) | 4.7342% | 3,238 |
| Net charge-offs to loans | -0.0245% | 6,041 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1151% | 3,804 |
| Assets per employee ($millions) | 6.4932% | 899 |
| Cash dividends to net income (ytd only)* | 38.3369% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8772% | 2,176 |
| Loan loss allowance to noncurrent loans | 136.6799% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0511% | 3,645 |
| Noncurrent loans to loans | 1.3735% | 3,254 |
| Net loans and leases to total assets | 64.5091% | 2,839 |
| Net loans and leases to deposits | 82.5705% | 1,983 |
| Net loans and leases to core deposits | 90.0328% | 1,905 |
| Total domestic deposits to total assets | 78.1261% | 5,956 |
| Equity capital to assets | 10.4994% | 3,310 |
| Core capital (leverage) ratio | 10.5265% | 2,850 |
| Tier 1 risk-based capital ratio | 13.6870% | 4,651 |
| Total risk-based capital ratio | 14.9423% | 4,607 |
| Memoranda: | ||
| Average total assets | $1,130,314,670 | 584 |
| Average earning assets | $1,023,832,330 | 586 |
| Average equity | $120,611,330 | 598 |
| Average total loans | $734,386,000 | 569 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5624% | 5,551 |
| Cost of funding earning assets | 0.7251% | 2,025 |
| Net interest margin | 2.8373% | 5,951 |
| Noninterest income to average assets | 0.9245% | 1,678 |
| Noninterest expense to average assets | 2.5002% | 4,752 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7641% | 3,362 |
| Return on assets (ROA) | 0.7750% | 3,444 |
| Pretax return on assets | 1.0131% | 3,291 |
| Return on Equity (ROE) | 7.2046% | 3,379 |
| Retained earnings to average equity (ytd only) | 3.3476% | 4,246 |
| Net charge-offs to loans | 0.1086% | 2,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 14.2487% | 1,468 |
| Efficiency ratio | 71.4533% | 3,725 |
| Assets per employee ($millions) | 6.4399% | 1,005 |
| Cash dividends to net income (ytd only)* | 53.5354% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9084% | 2,282 |
| Loan loss allowance to noncurrent loans | 121.0196% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.1631% | 3,626 |
| Noncurrent loans to loans | 1.5769% | 3,168 |
| Net loans and leases to total assets | 62.9769% | 2,886 |
| Net loans and leases to deposits | 77.9683% | 2,342 |
| Net loans and leases to core deposits | 84.2092% | 2,297 |
| Total domestic deposits to total assets | 80.7725% | 5,554 |
| Equity capital to assets | 10.6960% | 3,325 |
| Core capital (leverage) ratio | 10.6213% | 2,635 |
| Tier 1 risk-based capital ratio | 13.7265% | 4,702 |
| Total risk-based capital ratio | 14.9818% | 4,665 |
| Memoranda: | ||
| Average total assets | $1,124,068,500 | 596 |
| Average earning assets | $1,019,972,500 | 593 |
| Average equity | $120,923,000 | 604 |
| Average total loans | $725,919,500 | 581 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 5,564 |
| Cost of funding earning assets | 0.8585% | 2,228 |
| Net interest margin | 3.0442% | 5,940 |
| Noninterest income to average assets | 0.9855% | 1,576 |
| Noninterest expense to average assets | 2.6471% | 4,578 |
| Loan and lease loss provision to assets | 0.1783% | 3,399 |
| Net operating income to assets | 0.6814% | 3,826 |
| Return on assets (ROA) | 0.6976% | 4,003 |
| Pretax return on assets | 0.9506% | 3,742 |
| Return on Equity (ROE) | 6.2529% | 4,042 |
| Retained earnings to average equity (ytd only) | 1.8595% | 4,911 |
| Net charge-offs to loans | 0.0285% | 5,500 |
| Credit loss provision to net charge-offs | 939.7059% | 269 |
| Earnings coverage of net charge-offs (x) | 58.3431% | 609 |
| Efficiency ratio | 70.5177% | 3,707 |
| Assets per employee ($millions) | 6.1586% | 1,188 |
| Cash dividends to net income (ytd only)* | 70.2613% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 2,239 |
| Loan loss allowance to noncurrent loans | 245.5027% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6692% | 4,809 |
| Noncurrent loans to loans | 0.7815% | 4,619 |
| Net loans and leases to total assets | 63.7171% | 2,943 |
| Net loans and leases to deposits | 77.8401% | 2,557 |
| Net loans and leases to core deposits | 82.8890% | 2,681 |
| Total domestic deposits to total assets | 81.8564% | 5,147 |
| Equity capital to assets | 10.8203% | 3,152 |
| Core capital (leverage) ratio | 10.8910% | 2,348 |
| Tier 1 risk-based capital ratio | 13.9195% | 4,432 |
| Total risk-based capital ratio | 15.1746% | 4,401 |
| Memoranda: | ||
| Average total assets | $1,075,426,600 | 608 |
| Average earning assets | $978,002,600 | 608 |
| Average equity | $119,976,800 | 599 |
| Average total loans | $716,121,000 | 576 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 5,589 |
| Cost of funding earning assets | 0.8837% | 2,284 |
| Net interest margin | 3.0899% | 5,960 |
| Noninterest income to average assets | 0.9782% | 1,570 |
| Noninterest expense to average assets | 2.6526% | 4,551 |
| Loan and lease loss provision to assets | 0.2158% | 2,903 |
| Net operating income to assets | 0.6757% | 4,025 |
| Return on assets (ROA) | 0.6974% | 4,176 |
| Pretax return on assets | 0.9505% | 3,915 |
| Return on Equity (ROE) | 6.2026% | 4,229 |
| Retained earnings to average equity (ytd only) | 2.2945% | 5,186 |
| Net charge-offs to loans | 0.1468% | 3,933 |
| Credit loss provision to net charge-offs | 219.4656% | 1,270 |
| Earnings coverage of net charge-offs (x) | 11.5573% | 2,069 |
| Efficiency ratio | 70.0040% | 3,682 |
| Assets per employee ($millions) | 5.8079% | 1,370 |
| Cash dividends to net income (ytd only)* | 63.0069% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8392% | 2,674 |
| Loan loss allowance to noncurrent loans | 147.4378% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9854% | 4,314 |
| Noncurrent loans to loans | 1.2475% | 3,970 |
| Net loans and leases to total assets | 65.1578% | 2,808 |
| Net loans and leases to deposits | 81.0692% | 2,242 |
| Net loans and leases to core deposits | 83.3278% | 2,773 |
| Total domestic deposits to total assets | 80.3731% | 5,556 |
| Equity capital to assets | 11.4065% | 2,846 |
| Core capital (leverage) ratio | 10.9931% | 2,391 |
| Tier 1 risk-based capital ratio | 14.2962% | 4,334 |
| Total risk-based capital ratio | 15.5508% | 4,293 |
| Memoranda: | ||
| Average total assets | $1,065,606,250 | 620 |
| Average earning assets | $969,402,250 | 613 |
| Average equity | $119,817,250 | 597 |
| Average total loans | $714,113,000 | 578 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 5,631 |
| Cost of funding earning assets | 0.8956% | 2,436 |
| Net interest margin | 3.1052% | 5,990 |
| Noninterest income to average assets | 0.9386% | 1,651 |
| Noninterest expense to average assets | 2.6486% | 4,614 |
| Loan and lease loss provision to assets | 0.2157% | 2,916 |
| Net operating income to assets | 0.6543% | 4,090 |
| Return on assets (ROA) | 0.6860% | 4,205 |
| Pretax return on assets | 0.9408% | 3,922 |
| Return on Equity (ROE) | 6.1301% | 4,260 |
| Retained earnings to average equity (ytd only) | 2.1517% | 5,114 |
| Net charge-offs to loans | 0.2159% | 3,282 |
| Credit loss provision to net charge-offs | 148.5788% | 1,866 |
| Earnings coverage of net charge-offs (x) | 7.6693% | 2,440 |
| Efficiency ratio | 70.4088% | 3,695 |
| Assets per employee ($millions) | 5.8371% | 1,340 |
| Cash dividends to net income (ytd only)* | 64.8989% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 3,036 |
| Loan loss allowance to noncurrent loans | 137.3402% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 4,267 |
| Noncurrent loans to loans | 1.2724% | 4,008 |
| Net loans and leases to total assets | 66.5165% | 2,565 |
| Net loans and leases to deposits | 82.9673% | 1,986 |
| Net loans and leases to core deposits | 85.1749% | 2,533 |
| Total domestic deposits to total assets | 80.1719% | 5,700 |
| Equity capital to assets | 11.2937% | 2,799 |
| Core capital (leverage) ratio | 10.9694% | 2,329 |
| Tier 1 risk-based capital ratio | 13.8710% | 4,542 |
| Total risk-based capital ratio | 15.1252% | 4,511 |
| Memoranda: | ||
| Average total assets | $1,066,524,670 | 624 |
| Average earning assets | $969,678,000 | 612 |
| Average equity | $119,345,000 | 599 |
| Average total loans | $716,982,000 | 574 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 5,783 |
| Cost of funding earning assets | 0.9090% | 2,619 |
| Net interest margin | 3.0841% | 6,101 |
| Noninterest income to average assets | 0.9246% | 1,650 |
| Noninterest expense to average assets | 2.6154% | 4,763 |
| Loan and lease loss provision to assets | 0.2152% | 2,792 |
| Net operating income to assets | 0.6637% | 4,057 |
| Return on assets (ROA) | 0.6637% | 4,274 |
| Pretax return on assets | 0.8980% | 4,038 |
| Return on Equity (ROE) | 5.9583% | 4,317 |
| Retained earnings to average equity (ytd only) | 1.1359% | 5,632 |
| Net charge-offs to loans | 0.3604% | 2,223 |
| Credit loss provision to net charge-offs | 89.1473% | 2,560 |
| Earnings coverage of net charge-offs (x) | 4.6109% | 2,543 |
| Efficiency ratio | 70.1436% | 3,779 |
| Assets per employee ($millions) | 5.6465% | 1,571 |
| Cash dividends to net income (ytd only)* | 80.9363% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6746% | 3,445 |
| Loan loss allowance to noncurrent loans | 115.1196% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1761% | 4,166 |
| Noncurrent loans to loans | 1.4546% | 3,934 |
| Net loans and leases to total assets | 66.7349% | 2,342 |
| Net loans and leases to deposits | 84.4869% | 1,598 |
| Net loans and leases to core deposits | 87.0238% | 2,179 |
| Total domestic deposits to total assets | 78.9885% | 6,077 |
| Equity capital to assets | 11.1593% | 2,746 |
| Core capital (leverage) ratio | 10.8502% | 2,388 |
| Tier 1 risk-based capital ratio | 13.5749% | 4,774 |
| Total risk-based capital ratio | 14.8212% | 4,762 |
| Memoranda: | ||
| Average total assets | $1,068,606,500 | 622 |
| Average earning assets | $971,570,000 | 611 |
| Average equity | $119,027,500 | 600 |
| Average total loans | $715,866,500 | 571 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 6,210 |
| Cost of funding earning assets | 1.0753% | 2,842 |
| Net interest margin | 3.0627% | 6,421 |
| Noninterest income to average assets | 0.9248% | 1,589 |
| Noninterest expense to average assets | 2.6246% | 5,000 |
| Loan and lease loss provision to assets | 0.2300% | 3,899 |
| Net operating income to assets | 0.6520% | 3,731 |
| Return on assets (ROA) | 0.6846% | 3,751 |
| Pretax return on assets | 0.8587% | 3,750 |
| Return on Equity (ROE) | 6.3680% | 3,708 |
| Retained earnings to average equity (ytd only) | 3.2611% | 3,903 |
| Net charge-offs to loans | 0.6052% | 2,636 |
| Credit loss provision to net charge-offs | 60.3549% | 5,162 |
| Earnings coverage of net charge-offs (x) | 2.7499% | 3,846 |
| Efficiency ratio | 71.4621% | 3,699 |
| Assets per employee ($millions) | 5.4316% | 1,708 |
| Cash dividends to net income (ytd only)* | 48.7887% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7359% | 3,072 |
| Loan loss allowance to noncurrent loans | 117.6696% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 1.1647% | 4,286 |
| Noncurrent loans to loans | 1.4752% | 3,944 |
| Net loans and leases to total assets | 64.9646% | 2,995 |
| Net loans and leases to deposits | 90.3807% | 1,117 |
| Net loans and leases to core deposits | 93.6674% | 1,732 |
| Total domestic deposits to total assets | 71.8789% | 6,877 |
| Equity capital to assets | 11.1179% | 2,873 |
| Core capital (leverage) ratio | 10.7235% | 2,505 |
| Tier 1 risk-based capital ratio | 13.7315% | 4,535 |
| Total risk-based capital ratio | 14.9829% | 4,497 |
| Memoranda: | ||
| Average total assets | $1,079,368,600 | 603 |
| Average earning assets | $968,424,400 | 611 |
| Average equity | $116,033,400 | 595 |
| Average total loans | $679,825,800 | 608 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1650% | 6,289 |
| Cost of funding earning assets | 1.1030% | 2,959 |
| Net interest margin | 3.0620% | 6,468 |
| Noninterest income to average assets | 0.7278% | 2,431 |
| Noninterest expense to average assets | 2.4853% | 5,513 |
| Loan and lease loss provision to assets | 0.2425% | 3,580 |
| Net operating income to assets | 0.5790% | 4,184 |
| Return on assets (ROA) | 0.6212% | 4,180 |
| Pretax return on assets | 0.7938% | 4,158 |
| Return on Equity (ROE) | 5.8281% | 4,105 |
| Retained earnings to average equity (ytd only) | 2.5174% | 4,857 |
| Net charge-offs to loans | 0.8207% | 1,924 |
| Credit loss provision to net charge-offs | 47.4891% | 5,087 |
| Earnings coverage of net charge-offs (x) | 1.9237% | 4,211 |
| Efficiency ratio | 71.6754% | 3,625 |
| Assets per employee ($millions) | 5.3682% | 1,741 |
| Cash dividends to net income (ytd only)* | 56.8056% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 3,192 |
| Loan loss allowance to noncurrent loans | 151.1466% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9323% | 4,891 |
| Noncurrent loans to loans | 1.1404% | 4,636 |
| Net loans and leases to total assets | 62.3036% | 3,648 |
| Net loans and leases to deposits | 86.7289% | 1,582 |
| Net loans and leases to core deposits | 90.1548% | 2,229 |
| Total domestic deposits to total assets | 71.8372% | 6,944 |
| Equity capital to assets | 11.0190% | 3,123 |
| Core capital (leverage) ratio | 10.5271% | 2,837 |
| Tier 1 risk-based capital ratio | 13.6815% | 4,589 |
| Total risk-based capital ratio | 14.9322% | 4,559 |
| Memoranda: | ||
| Average total assets | $1,081,702,750 | 610 |
| Average earning assets | $967,785,000 | 619 |
| Average equity | $115,300,500 | 604 |
| Average total loans | $672,926,750 | 616 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 6,354 |
| Cost of funding earning assets | 1.1135% | 3,139 |
| Net interest margin | 3.0520% | 6,504 |
| Noninterest income to average assets | 0.6651% | 2,739 |
| Noninterest expense to average assets | 2.4897% | 5,584 |
| Loan and lease loss provision to assets | 0.3028% | 2,985 |
| Net operating income to assets | 0.4947% | 4,524 |
| Return on assets (ROA) | 0.5555% | 4,412 |
| Pretax return on assets | 0.6815% | 4,458 |
| Return on Equity (ROE) | 5.2704% | 4,323 |
| Retained earnings to average equity (ytd only) | 2.7822% | 4,511 |
| Net charge-offs to loans | 1.1337% | 1,378 |
| Credit loss provision to net charge-offs | 43.2105% | 4,754 |
| Earnings coverage of net charge-offs (x) | 1.2987% | 4,314 |
| Efficiency ratio | 73.2288% | 3,510 |
| Assets per employee ($millions) | 5.3936% | 1,663 |
| Cash dividends to net income (ytd only)* | 47.2112% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7145% | 3,280 |
| Loan loss allowance to noncurrent loans | 138.8804% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.9529% | 4,952 |
| Noncurrent loans to loans | 1.2345% | 4,599 |
| Net loans and leases to total assets | 62.6256% | 3,759 |
| Net loans and leases to deposits | 87.6329% | 1,548 |
| Net loans and leases to core deposits | 91.3673% | 2,212 |
| Total domestic deposits to total assets | 71.4636% | 7,036 |
| Equity capital to assets | 10.7830% | 3,189 |
| Core capital (leverage) ratio | 10.4968% | 2,718 |
| Tier 1 risk-based capital ratio | 13.4680% | 4,554 |
| Total risk-based capital ratio | 14.7011% | 4,550 |
| Memoranda: | ||
| Average total assets | $1,084,388,670 | 619 |
| Average earning assets | $971,700,000 | 619 |
| Average equity | $114,299,000 | 609 |
| Average total loans | $670,352,000 | 630 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 6,478 |
| Cost of funding earning assets | 1.1193% | 3,384 |
| Net interest margin | 2.9956% | 6,582 |
| Noninterest income to average assets | 0.6655% | 2,752 |
| Noninterest expense to average assets | 2.4525% | 5,731 |
| Loan and lease loss provision to assets | 0.4845% | 1,820 |
| Net operating income to assets | 0.3916% | 4,989 |
| Return on assets (ROA) | 0.4437% | 4,831 |
| Pretax return on assets | 0.4676% | 5,129 |
| Return on Equity (ROE) | 4.2581% | 4,769 |
| Retained earnings to average equity (ytd only) | 1.6877% | 5,108 |
| Net charge-offs to loans | 2.0125% | 635 |
| Credit loss provision to net charge-offs | 39.5495% | 3,959 |
| Earnings coverage of net charge-offs (x) | 0.7324% | 4,084 |
| Efficiency ratio | 73.2125% | 3,649 |
| Assets per employee ($millions) | 5.4694% | 1,600 |
| Cash dividends to net income (ytd only)* | 60.3648% | 1,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 3,017 |
| Loan loss allowance to noncurrent loans | 80.4792% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 1.4434% | 4,105 |
| Noncurrent loans to loans | 2.2351% | 3,276 |
| Net loans and leases to total assets | 60.1055% | 4,239 |
| Net loans and leases to deposits | 84.2844% | 1,985 |
| Net loans and leases to core deposits | 87.5415% | 2,662 |
| Total domestic deposits to total assets | 71.3126% | 7,119 |
| Equity capital to assets | 10.4714% | 3,208 |
| Core capital (leverage) ratio | 10.3467% | 2,762 |
| Tier 1 risk-based capital ratio | 13.6176% | 4,344 |
| Total risk-based capital ratio | 14.8415% | 4,335 |
| Memoranda: | ||
| Average total assets | $1,087,227,000 | 622 |
| Average earning assets | $974,219,500 | 624 |
| Average equity | $113,289,500 | 608 |
| Average total loans | $661,861,000 | 647 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 6,626 |
| Cost of funding earning assets | 1.4434% | 3,000 |
| Net interest margin | 2.9493% | 6,824 |
| Noninterest income to average assets | 0.7586% | 2,491 |
| Noninterest expense to average assets | 2.4629% | 5,908 |
| Loan and lease loss provision to assets | 0.2162% | 5,093 |
| Net operating income to assets | 0.5913% | 3,713 |
| Return on assets (ROA) | 0.6528% | 3,572 |
| Pretax return on assets | 0.8048% | 3,613 |
| Return on Equity (ROE) | 6.3283% | 3,432 |
| Retained earnings to average equity (ytd only) | 2.4044% | 4,191 |
| Net charge-offs to loans | 0.2214% | 4,962 |
| Credit loss provision to net charge-offs | 163.8812% | 2,112 |
| Earnings coverage of net charge-offs (x) | 7.1651% | 2,190 |
| Efficiency ratio | 72.2697% | 3,739 |
| Assets per employee ($millions) | 5.5975% | 1,499 |
| Cash dividends to net income (ytd only)* | 62.0064% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1678% | 1,927 |
| Loan loss allowance to noncurrent loans | 172.7602% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.8352% | 5,329 |
| Noncurrent loans to loans | 1.2548% | 4,619 |
| Net loans and leases to total assets | 59.2357% | 4,800 |
| Net loans and leases to deposits | 84.5828% | 2,364 |
| Net loans and leases to core deposits | 88.1297% | 3,035 |
| Total domestic deposits to total assets | 70.0328% | 7,232 |
| Equity capital to assets | 10.3691% | 3,309 |
| Core capital (leverage) ratio | 10.3754% | 2,699 |
| Tier 1 risk-based capital ratio | 13.5980% | 4,135 |
| Total risk-based capital ratio | 14.8227% | 4,119 |
| Memoranda: | ||
| Average total assets | $1,097,845,800 | 608 |
| Average earning assets | $986,210,800 | 606 |
| Average equity | $113,252,400 | 594 |
| Average total loans | $654,148,200 | 671 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4304% | 6,764 |
| Cost of funding earning assets | 1.3839% | 3,679 |
| Net interest margin | 3.0465% | 6,739 |
| Noninterest income to average assets | 0.6589% | 3,080 |
| Noninterest expense to average assets | 2.4066% | 6,012 |
| Loan and lease loss provision to assets | 0.2878% | 4,270 |
| Net operating income to assets | 0.5827% | 3,946 |
| Return on assets (ROA) | 0.6636% | 3,745 |
| Pretax return on assets | 0.7998% | 3,904 |
| Return on Equity (ROE) | 6.4411% | 3,604 |
| Retained earnings to average equity (ytd only) | 3.7384% | 3,832 |
| Net charge-offs to loans | 0.1118% | 5,422 |
| Credit loss provision to net charge-offs | 433.8208% | 696 |
| Earnings coverage of net charge-offs (x) | 14.9249% | 1,471 |
| Efficiency ratio | 70.8522% | 3,911 |
| Assets per employee ($millions) | 5.6880% | 1,475 |
| Cash dividends to net income (ytd only)* | 41.9591% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 1,621 |
| Loan loss allowance to noncurrent loans | 711.0229% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 6,511 |
| Noncurrent loans to loans | 0.3242% | 6,547 |
| Net loans and leases to total assets | 58.7667% | 5,144 |
| Net loans and leases to deposits | 82.8314% | 2,945 |
| Net loans and leases to core deposits | 88.7391% | 3,280 |
| Total domestic deposits to total assets | 70.9474% | 7,222 |
| Equity capital to assets | 10.6030% | 3,405 |
| Core capital (leverage) ratio | 10.2734% | 2,951 |
| Tier 1 risk-based capital ratio | 13.7332% | 4,031 |
| Total risk-based capital ratio | 14.9568% | 4,006 |
| Memoranda: | ||
| Average total assets | $1,099,428,750 | 602 |
| Average earning assets | $988,025,000 | 604 |
| Average equity | $113,270,500 | 587 |
| Average total loans | $652,462,000 | 673 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 6,820 |
| Cost of funding earning assets | 1.4101% | 3,811 |
| Net interest margin | 3.0321% | 6,765 |
| Noninterest income to average assets | 0.5902% | 3,413 |
| Noninterest expense to average assets | 2.3519% | 6,212 |
| Loan and lease loss provision to assets | 0.3131% | 3,872 |
| Net operating income to assets | 0.5410% | 4,139 |
| Return on assets (ROA) | 0.5922% | 4,050 |
| Pretax return on assets | 0.7104% | 4,199 |
| Return on Equity (ROE) | 5.8042% | 3,892 |
| Retained earnings to average equity (ytd only) | 2.5092% | 4,560 |
| Net charge-offs to loans | 0.1613% | 4,654 |
| Credit loss provision to net charge-offs | 328.6260% | 1,114 |
| Earnings coverage of net charge-offs (x) | 10.0954% | 1,936 |
| Efficiency ratio | 70.9739% | 3,987 |
| Assets per employee ($millions) | 5.8696% | 1,321 |
| Cash dividends to net income (ytd only)* | 56.7700% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2413% | 1,687 |
| Loan loss allowance to noncurrent loans | 534.9689% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 6,304 |
| Noncurrent loans to loans | 0.4190% | 6,407 |
| Net loans and leases to total assets | 58.3693% | 5,359 |
| Net loans and leases to deposits | 80.7628% | 3,470 |
| Net loans and leases to core deposits | 88.9416% | 3,417 |
| Total domestic deposits to total assets | 72.2725% | 7,164 |
| Equity capital to assets | 10.4958% | 3,416 |
| Core capital (leverage) ratio | 10.1287% | 3,022 |
| Tier 1 risk-based capital ratio | 13.2998% | 4,209 |
| Total risk-based capital ratio | 14.5303% | 4,187 |
| Memoranda: | ||
| Average total assets | $1,099,978,670 | 596 |
| Average earning assets | $988,039,670 | 606 |
| Average equity | $112,228,330 | 586 |
| Average total loans | $649,832,000 | 679 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4259% | 6,950 |
| Cost of funding earning assets | 1.4382% | 3,942 |
| Net interest margin | 2.9877% | 6,858 |
| Noninterest income to average assets | 0.5648% | 3,526 |
| Noninterest expense to average assets | 2.1730% | 6,749 |
| Loan and lease loss provision to assets | 0.2985% | 3,646 |
| Net operating income to assets | 0.6479% | 3,672 |
| Return on assets (ROA) | 0.6152% | 3,975 |
| Pretax return on assets | 0.7383% | 4,096 |
| Return on Equity (ROE) | 6.1162% | 3,819 |
| Retained earnings to average equity (ytd only) | 2.6943% | 4,524 |
| Net charge-offs to loans | -0.0327% | 7,217 |
| Credit loss provision to net charge-offs | -1,554.7170% | 6,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8748% | 4,942 |
| Assets per employee ($millions) | 5.6272% | 1,561 |
| Cash dividends to net income (ytd only)* | 55.9482% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1986% | 1,756 |
| Loan loss allowance to noncurrent loans | 419.7825% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 6,234 |
| Noncurrent loans to loans | 0.5237% | 6,241 |
| Net loans and leases to total assets | 58.1925% | 5,396 |
| Net loans and leases to deposits | 79.8543% | 3,682 |
| Net loans and leases to core deposits | 87.4926% | 3,683 |
| Total domestic deposits to total assets | 72.8734% | 7,180 |
| Equity capital to assets | 10.2432% | 3,545 |
| Core capital (leverage) ratio | 9.9327% | 3,248 |
| Tier 1 risk-based capital ratio | 13.2318% | 4,184 |
| Total risk-based capital ratio | 14.4741% | 4,143 |
| Memoranda: | ||
| Average total assets | $1,104,091,000 | 613 |
| Average earning assets | $992,079,500 | 616 |
| Average equity | $111,048,500 | 596 |
| Average total loans | $648,818,500 | 702 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 6,940 |
| Cost of funding earning assets | 1.7502% | 4,255 |
| Net interest margin | 3.0558% | 6,501 |
| Noninterest income to average assets | 0.6512% | 3,283 |
| Noninterest expense to average assets | 2.3152% | 6,709 |
| Loan and lease loss provision to assets | 0.3160% | 4,921 |
| Net operating income to assets | 0.6445% | 3,160 |
| Return on assets (ROA) | 0.6203% | 3,324 |
| Pretax return on assets | 0.7406% | 3,440 |
| Return on Equity (ROE) | 6.0216% | 3,200 |
| Retained earnings to average equity (ytd only) | 2.8968% | 3,147 |
| Net charge-offs to loans | 0.3932% | 4,248 |
| Credit loss provision to net charge-offs | 128.9453% | 3,992 |
| Earnings coverage of net charge-offs (x) | 4.4292% | 2,957 |
| Efficiency ratio | 68.0796% | 4,991 |
| Assets per employee ($millions) | 5.9075% | 1,313 |
| Cash dividends to net income (ytd only)* | 51.8935% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0769% | 1,863 |
| Loan loss allowance to noncurrent loans | 700.6767% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 6,571 |
| Noncurrent loans to loans | 0.2964% | 6,686 |
| Net loans and leases to total assets | 56.8400% | 5,846 |
| Net loans and leases to deposits | 79.0864% | 4,158 |
| Net loans and leases to core deposits | 91.8135% | 4,908 |
| Total domestic deposits to total assets | 71.8708% | 7,255 |
| Equity capital to assets | 9.8767% | 3,918 |
| Core capital (leverage) ratio | 10.2985% | 2,786 |
| Tier 1 risk-based capital ratio | 13.1325% | 4,059 |
| Total risk-based capital ratio | 14.3780% | 4,007 |
| Memoranda: | ||
| Average total assets | $1,060,016,000 | 634 |
| Average earning assets | $953,794,800 | 638 |
| Average equity | $109,190,000 | 599 |
| Average total loans | $660,692,600 | 709 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 6,909 |
| Cost of funding earning assets | 1.8267% | 4,246 |
| Net interest margin | 3.0619% | 6,429 |
| Noninterest income to average assets | 0.6569% | 3,312 |
| Noninterest expense to average assets | 2.3543% | 6,542 |
| Loan and lease loss provision to assets | 0.2932% | 4,628 |
| Net operating income to assets | 0.6384% | 3,458 |
| Return on assets (ROA) | 0.6333% | 3,550 |
| Pretax return on assets | 0.7616% | 3,663 |
| Return on Equity (ROE) | 6.0814% | 3,495 |
| Retained earnings to average equity (ytd only) | 3.0052% | 3,649 |
| Net charge-offs to loans | 0.4222% | 3,572 |
| Credit loss provision to net charge-offs | 109.4196% | 4,650 |
| Earnings coverage of net charge-offs (x) | 3.9591% | 3,321 |
| Efficiency ratio | 68.9362% | 4,801 |
| Assets per employee ($millions) | 5.6728% | 1,456 |
| Cash dividends to net income (ytd only)* | 50.5837% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 1,905 |
| Loan loss allowance to noncurrent loans | 137.7937% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 5,160 |
| Noncurrent loans to loans | 1.4156% | 4,545 |
| Net loans and leases to total assets | 61.1377% | 5,400 |
| Net loans and leases to deposits | 85.7879% | 3,358 |
| Net loans and leases to core deposits | 100.8951% | 4,274 |
| Total domestic deposits to total assets | 71.2661% | 7,308 |
| Equity capital to assets | 10.5189% | 3,490 |
| Core capital (leverage) ratio | 10.3685% | 2,909 |
| Tier 1 risk-based capital ratio | 12.9751% | 4,206 |
| Total risk-based capital ratio | 14.2202% | 4,143 |
| Memoranda: | ||
| Average total assets | $1,045,892,250 | 655 |
| Average earning assets | $942,170,500 | 654 |
| Average equity | $108,918,750 | 608 |
| Average total loans | $663,844,500 | 723 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 7,014 |
| Cost of funding earning assets | 1.8649% | 4,443 |
| Net interest margin | 3.0425% | 6,428 |
| Noninterest income to average assets | 0.6750% | 3,155 |
| Noninterest expense to average assets | 2.3931% | 6,486 |
| Loan and lease loss provision to assets | 0.2594% | 4,504 |
| Net operating income to assets | 0.6187% | 3,599 |
| Return on assets (ROA) | 0.6729% | 3,484 |
| Pretax return on assets | 0.8272% | 3,582 |
| Return on Equity (ROE) | 6.4834% | 3,447 |
| Retained earnings to average equity (ytd only) | 3.5898% | 3,303 |
| Net charge-offs to loans | 0.1649% | 4,564 |
| Credit loss provision to net charge-offs | 246.3504% | 1,886 |
| Earnings coverage of net charge-offs (x) | 9.6843% | 2,090 |
| Efficiency ratio | 70.1216% | 4,752 |
| Assets per employee ($millions) | 5.6303% | 1,474 |
| Cash dividends to net income (ytd only)* | 44.6316% | 2,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0120% | 1,543 |
| Loan loss allowance to noncurrent loans | 508.4598% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 6,713 |
| Noncurrent loans to loans | 0.3957% | 6,523 |
| Net loans and leases to total assets | 62.3328% | 5,302 |
| Net loans and leases to deposits | 87.0728% | 3,346 |
| Net loans and leases to core deposits | 102.7981% | 4,204 |
| Total domestic deposits to total assets | 71.5870% | 7,297 |
| Equity capital to assets | 10.3248% | 3,595 |
| Core capital (leverage) ratio | 10.3647% | 2,936 |
| Tier 1 risk-based capital ratio | 12.9101% | 4,208 |
| Total risk-based capital ratio | 14.1547% | 4,125 |
| Memoranda: | ||
| Average total assets | $1,040,916,000 | 669 |
| Average earning assets | $936,678,000 | 673 |
| Average equity | $108,029,330 | 624 |
| Average total loans | $664,637,670 | 743 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9315% | 7,099 |
| Cost of funding earning assets | 1.8872% | 4,702 |
| Net interest margin | 3.0443% | 6,357 |
| Noninterest income to average assets | 0.7131% | 2,805 |
| Noninterest expense to average assets | 2.3281% | 6,439 |
| Loan and lease loss provision to assets | 0.2602% | 3,879 |
| Net operating income to assets | 0.6697% | 3,708 |
| Return on assets (ROA) | 0.7744% | 3,412 |
| Pretax return on assets | 0.9929% | 3,373 |
| Return on Equity (ROE) | 7.4420% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.1712% | 3,027 |
| Net charge-offs to loans | 0.3175% | 2,829 |
| Credit loss provision to net charge-offs | 128.0835% | 3,119 |
| Earnings coverage of net charge-offs (x) | 5.5085% | 2,662 |
| Efficiency ratio | 67.5389% | 5,045 |
| Assets per employee ($millions) | 5.5851% | 1,490 |
| Cash dividends to net income (ytd only)* | 30.5127% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 1,550 |
| Loan loss allowance to noncurrent loans | 644.2886% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 6,917 |
| Noncurrent loans to loans | 0.3002% | 6,690 |
| Net loans and leases to total assets | 63.0982% | 5,143 |
| Net loans and leases to deposits | 89.2235% | 3,064 |
| Net loans and leases to core deposits | 99.3106% | 4,610 |
| Total domestic deposits to total assets | 70.7193% | 7,362 |
| Equity capital to assets | 10.4185% | 3,552 |
| Core capital (leverage) ratio | 10.3380% | 3,082 |
| Tier 1 risk-based capital ratio | 12.9157% | 4,235 |
| Total risk-based capital ratio | 14.1673% | 4,164 |
| Memoranda: | ||
| Average total assets | $1,037,760,500 | 669 |
| Average earning assets | $931,972,000 | 675 |
| Average equity | $107,982,000 | 619 |
| Average total loans | $663,872,000 | 748 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6839% | 6,824 |
| Cost of funding earning assets | 2.4177% | 4,643 |
| Net interest margin | 3.2662% | 6,154 |
| Noninterest income to average assets | 0.6747% | 3,296 |
| Noninterest expense to average assets | 2.2948% | 6,719 |
| Loan and lease loss provision to assets | 0.3370% | 3,697 |
| Net operating income to assets | 0.8719% | 3,125 |
| Return on assets (ROA) | 0.8839% | 2,912 |
| Pretax return on assets | 1.0123% | 3,333 |
| Return on Equity (ROE) | 8.6361% | 2,781 |
| Retained earnings to average equity (ytd only) | 1.8331% | 4,091 |
| Net charge-offs to loans | 0.0972% | 5,354 |
| Credit loss provision to net charge-offs | 540.0314% | 811 |
| Earnings coverage of net charge-offs (x) | 21.4019% | 1,530 |
| Efficiency ratio | 63.2107% | 5,735 |
| Assets per employee ($millions) | 5.6339% | 1,365 |
| Cash dividends to net income (ytd only)* | 78.7741% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8964% | 1,424 |
| Loan loss allowance to noncurrent loans | 202.5782% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.6722% | 5,205 |
| Noncurrent loans to loans | 0.9362% | 4,738 |
| Net loans and leases to total assets | 62.3974% | 5,558 |
| Net loans and leases to deposits | 91.8980% | 3,155 |
| Net loans and leases to core deposits | 101.4113% | 4,679 |
| Total domestic deposits to total assets | 67.8985% | 7,482 |
| Equity capital to assets | 10.3922% | 3,624 |
| Core capital (leverage) ratio | 10.2630% | 3,204 |
| Tier 1 risk-based capital ratio | 12.5365% | 4,413 |
| Total risk-based capital ratio | 13.7703% | 4,325 |
| Memoranda: | ||
| Average total assets | $1,020,755,200 | 649 |
| Average earning assets | $923,691,200 | 649 |
| Average equity | $104,468,200 | 645 |
| Average total loans | $655,144,800 | 724 |