Home > Minnwest Bank > Performance and Condition Ratios
Minnwest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 2,455 |
| Cost of funding earning assets | 1.6401% | 1,592 |
| Net interest margin | 3.1681% | 2,948 |
| Noninterest income to average assets | 0.4600% | 2,177 |
| Noninterest expense to average assets | 2.4284% | 2,501 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.6692% | 3,269 |
| Return on assets (ROA) | 0.6693% | 3,251 |
| Pretax return on assets | 0.9264% | 2,888 |
| Return on Equity (ROE) | 7.6400% | 3,117 |
| Retained earnings to average equity (ytd only) | 4.7215% | 2,706 |
| Net charge-offs to loans | 0.0182% | 1,994 |
| Credit loss provision to net charge-offs | 572.7273% | 612 |
| Earnings coverage of net charge-offs (x) | 76.3247% | 1,054 |
| Efficiency ratio | 70.0505% | 1,868 |
| Assets per employee ($millions) | 8.0160% | 1,426 |
| Cash dividends to net income (ytd only)* | 38.1932% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,340 |
| Loan loss allowance to noncurrent loans | 257.0524% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.6659% | 798 |
| Noncurrent loans to loans | 0.5500% | 1,427 |
| Net loans and leases to total assets | 71.8700% | 1,598 |
| Net loans and leases to deposits | 86.2967% | 1,597 |
| Net loans and leases to core deposits | 104.5878% | 1,189 |
| Total domestic deposits to total assets | 83.2900% | 2,809 |
| Equity capital to assets | 8.6644% | 2,919 |
| Core capital (leverage) ratio | 8.5259% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2953% | 2,764 |
| Memoranda: | ||
| Average total assets | $2,934,126,800 | 403 |
| Average earning assets | $2,751,882,000 | 389 |
| Average equity | $257,056,600 | 444 |
| Average total loans | $2,116,745,400 | 389 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 2,367 |
| Cost of funding earning assets | 1.5162% | 1,561 |
| Net interest margin | 3.2375% | 2,831 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.4017% | 2,511 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.7884% | 3,060 |
| Return on assets (ROA) | 0.7885% | 3,057 |
| Pretax return on assets | 1.0844% | 2,608 |
| Return on Equity (ROE) | 8.9700% | 2,937 |
| Retained earnings to average equity (ytd only) | 6.3486% | 2,520 |
| Net charge-offs to loans | 0.0317% | 1,446 |
| Credit loss provision to net charge-offs | 273.2794% | 938 |
| Earnings coverage of net charge-offs (x) | 50.3097% | 1,311 |
| Efficiency ratio | 66.9514% | 2,154 |
| Assets per employee ($millions) | 7.6615% | 1,535 |
| Cash dividends to net income (ytd only)* | 29.2535% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,316 |
| Loan loss allowance to noncurrent loans | 207.9833% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.7776% | 713 |
| Noncurrent loans to loans | 0.6892% | 1,194 |
| Net loans and leases to total assets | 71.7900% | 1,600 |
| Net loans and leases to deposits | 84.0143% | 1,739 |
| Net loans and leases to core deposits | 99.0216% | 1,379 |
| Total domestic deposits to total assets | 85.4500% | 2,369 |
| Equity capital to assets | 8.8158% | 2,525 |
| Core capital (leverage) ratio | 8.7635% | 3,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6751% | 2,689 |
| Memoranda: | ||
| Average total assets | $2,890,105,750 | 409 |
| Average earning assets | $2,708,469,000 | 395 |
| Average equity | $253,950,750 | 444 |
| Average total loans | $2,079,064,000 | 394 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,317 |
| Cost of funding earning assets | 1.3540% | 1,571 |
| Net interest margin | 3.2915% | 2,770 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.4830% | 2,254 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7191% | 3,307 |
| Return on assets (ROA) | 0.7192% | 3,299 |
| Pretax return on assets | 0.9876% | 2,951 |
| Return on Equity (ROE) | 8.1900% | 3,190 |
| Retained earnings to average equity (ytd only) | 6.2099% | 2,543 |
| Net charge-offs to loans | 0.0294% | 1,303 |
| Credit loss provision to net charge-offs | 298.0132% | 869 |
| Earnings coverage of net charge-offs (x) | 49.9073% | 1,289 |
| Efficiency ratio | 69.5322% | 1,808 |
| Assets per employee ($millions) | 7.6306% | 1,522 |
| Cash dividends to net income (ytd only)* | 24.2201% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,227 |
| Loan loss allowance to noncurrent loans | 240.4547% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.8086% | 633 |
| Noncurrent loans to loans | 0.6175% | 1,210 |
| Net loans and leases to total assets | 70.9700% | 1,634 |
| Net loans and leases to deposits | 83.0011% | 1,759 |
| Net loans and leases to core deposits | 95.8288% | 1,475 |
| Total domestic deposits to total assets | 85.5100% | 2,389 |
| Equity capital to assets | 8.8643% | 2,617 |
| Core capital (leverage) ratio | 8.7630% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7523% | 2,696 |
| Memoranda: | ||
| Average total assets | $2,870,254,000 | 400 |
| Average earning assets | $2,691,808,667 | 387 |
| Average equity | $251,922,000 | 437 |
| Average total loans | $2,055,948,000 | 384 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5335% | 2,239 |
| Cost of funding earning assets | 1.1075% | 1,731 |
| Net interest margin | 3.4259% | 2,563 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.5105% | 2,221 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.7955% | 3,200 |
| Return on assets (ROA) | 0.7957% | 3,155 |
| Pretax return on assets | 1.0935% | 2,728 |
| Return on Equity (ROE) | 9.1100% | 3,019 |
| Retained earnings to average equity (ytd only) | 5.0966% | 3,005 |
| Net charge-offs to loans | 0.0134% | 1,454 |
| Credit loss provision to net charge-offs | 661.7647% | 475 |
| Earnings coverage of net charge-offs (x) | 121.2353% | 703 |
| Efficiency ratio | 67.7416% | 2,002 |
| Assets per employee ($millions) | 7.4564% | 1,650 |
| Cash dividends to net income (ytd only)* | 44.0684% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 1,238 |
| Loan loss allowance to noncurrent loans | 216.2057% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 542 |
| Noncurrent loans to loans | 0.6962% | 1,094 |
| Net loans and leases to total assets | 70.2200% | 1,600 |
| Net loans and leases to deposits | 79.7778% | 1,833 |
| Net loans and leases to core deposits | 89.1688% | 1,666 |
| Total domestic deposits to total assets | 88.0200% | 1,918 |
| Equity capital to assets | 8.9019% | 2,592 |
| Core capital (leverage) ratio | 8.6853% | 4,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8422% | 2,774 |
| Memoranda: | ||
| Average total assets | $2,851,744,500 | 414 |
| Average earning assets | $2,676,284,000 | 401 |
| Average equity | $249,028,500 | 452 |
| Average total loans | $2,036,696,000 | 398 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0104% | 1,687 |
| Cost of funding earning assets | 0.3743% | 2,298 |
| Net interest margin | 3.6362% | 1,536 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.5881% | 1,860 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1037% | 2,160 |
| Return on assets (ROA) | 1.1037% | 2,091 |
| Pretax return on assets | 1.5083% | 1,427 |
| Return on Equity (ROE) | 12.2200% | 2,070 |
| Retained earnings to average equity (ytd only) | 8.1560% | 1,772 |
| Net charge-offs to loans | 0.0029% | 2,387 |
| Credit loss provision to net charge-offs | 2,142.8571% | 249 |
| Earnings coverage of net charge-offs (x) | 755.2321% | 240 |
| Efficiency ratio | 61.8386% | 2,786 |
| Assets per employee ($millions) | 7.4547% | 1,646 |
| Cash dividends to net income (ytd only)* | 33.2546% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5364% | 1,103 |
| Loan loss allowance to noncurrent loans | 211.6430% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8692% | 524 |
| Noncurrent loans to loans | 0.7259% | 1,035 |
| Net loans and leases to total assets | 70.4500% | 1,592 |
| Net loans and leases to deposits | 80.8453% | 1,705 |
| Net loans and leases to core deposits | 86.9804% | 1,684 |
| Total domestic deposits to total assets | 87.1400% | 2,355 |
| Equity capital to assets | 8.5626% | 2,662 |
| Core capital (leverage) ratio | 8.8320% | 3,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6144% | 2,836 |
| Memoranda: | ||
| Average total assets | $2,724,452,400 | 422 |
| Average earning assets | $2,557,848,800 | 407 |
| Average equity | $246,089,600 | 448 |
| Average total loans | $1,939,136,000 | 390 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8919% | 1,502 |
| Cost of funding earning assets | 0.2579% | 2,632 |
| Net interest margin | 3.6340% | 1,310 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.4999% | 2,017 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1636% | 1,841 |
| Return on assets (ROA) | 1.1636% | 1,816 |
| Pretax return on assets | 1.5829% | 1,164 |
| Return on Equity (ROE) | 12.7100% | 1,802 |
| Retained earnings to average equity (ytd only) | 8.6532% | 1,771 |
| Net charge-offs to loans | 0.0075% | 1,864 |
| Credit loss provision to net charge-offs | 1,261.6822% | 345 |
| Earnings coverage of net charge-offs (x) | 311.4860% | 460 |
| Efficiency ratio | 59.5694% | 3,167 |
| Assets per employee ($millions) | 6.8989% | 2,021 |
| Cash dividends to net income (ytd only)* | 31.9040% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5916% | 1,081 |
| Loan loss allowance to noncurrent loans | 179.4035% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.9350% | 490 |
| Noncurrent loans to loans | 0.8871% | 886 |
| Net loans and leases to total assets | 71.4300% | 1,349 |
| Net loans and leases to deposits | 79.9282% | 1,577 |
| Net loans and leases to core deposits | 84.4247% | 1,624 |
| Total domestic deposits to total assets | 89.3700% | 1,929 |
| Equity capital to assets | 8.7802% | 2,359 |
| Core capital (leverage) ratio | 8.8753% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9638% | 2,826 |
| Memoranda: | ||
| Average total assets | $2,693,644,500 | 428 |
| Average earning assets | $2,529,843,250 | 411 |
| Average equity | $246,653,250 | 451 |
| Average total loans | $1,914,568,750 | 389 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7637% | 1,386 |
| Cost of funding earning assets | 0.2143% | 2,715 |
| Net interest margin | 3.5494% | 1,182 |
| Noninterest income to average assets | 0.6807% | 1,429 |
| Noninterest expense to average assets | 2.4759% | 2,010 |
| Loan and lease loss provision to assets | 0.0670% | 1,411 |
| Net operating income to assets | 1.0845% | 1,836 |
| Return on assets (ROA) | 1.0845% | 1,814 |
| Pretax return on assets | 1.4756% | 1,235 |
| Return on Equity (ROE) | 11.6995% | 1,760 |
| Retained earnings to average equity (ytd only) | 7.6818% | 1,736 |
| Net charge-offs to loans | 0.0137% | 1,504 |
| Credit loss provision to net charge-offs | 692.3077% | 519 |
| Earnings coverage of net charge-offs (x) | 159.3077% | 612 |
| Efficiency ratio | 60.7785% | 3,207 |
| Assets per employee ($millions) | 6.6247% | 2,226 |
| Cash dividends to net income (ytd only)* | 34.3407% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 1,125 |
| Loan loss allowance to noncurrent loans | 166.4048% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 466 |
| Noncurrent loans to loans | 0.9676% | 862 |
| Net loans and leases to total assets | 70.9623% | 1,207 |
| Net loans and leases to deposits | 79.4867% | 1,422 |
| Net loans and leases to core deposits | 84.5475% | 1,419 |
| Total domestic deposits to total assets | 89.2758% | 2,060 |
| Equity capital to assets | 9.0550% | 2,351 |
| Core capital (leverage) ratio | 8.6432% | 3,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2059% | 2,750 |
| Memoranda: | ||
| Average total assets | $2,685,056,000 | 430 |
| Average earning assets | $2,525,014,000 | 415 |
| Average equity | $248,899,333 | 443 |
| Average total loans | $1,895,107,667 | 381 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5595% | 1,626 |
| Cost of funding earning assets | 0.2188% | 2,547 |
| Net interest margin | 3.3407% | 1,470 |
| Noninterest income to average assets | 0.7889% | 1,072 |
| Noninterest expense to average assets | 2.4564% | 1,995 |
| Loan and lease loss provision to assets | 0.0668% | 1,222 |
| Net operating income to assets | 1.0392% | 1,727 |
| Return on assets (ROA) | 1.0392% | 1,725 |
| Pretax return on assets | 1.4074% | 1,233 |
| Return on Equity (ROE) | 11.0834% | 1,594 |
| Retained earnings to average equity (ytd only) | 7.1273% | 1,849 |
| Net charge-offs to loans | -0.0038% | 3,263 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7809% | 3,292 |
| Assets per employee ($millions) | 6.6213% | 2,277 |
| Cash dividends to net income (ytd only)* | 35.6939% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 1,154 |
| Loan loss allowance to noncurrent loans | 151.3666% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 1.0437% | 472 |
| Noncurrent loans to loans | 1.0903% | 820 |
| Net loans and leases to total assets | 67.8892% | 1,221 |
| Net loans and leases to deposits | 76.1523% | 1,428 |
| Net loans and leases to core deposits | 81.2699% | 1,400 |
| Total domestic deposits to total assets | 89.1493% | 2,005 |
| Equity capital to assets | 9.1524% | 2,571 |
| Core capital (leverage) ratio | 8.4351% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2749% | 2,830 |
| Memoranda: | ||
| Average total assets | $2,696,009,500 | 426 |
| Average earning assets | $2,535,424,000 | 415 |
| Average equity | $252,774,500 | 451 |
| Average total loans | $1,882,281,000 | 383 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 1,938 |
| Cost of funding earning assets | 0.2435% | 3,013 |
| Net interest margin | 3.5273% | 1,662 |
| Noninterest income to average assets | 0.4618% | 2,757 |
| Noninterest expense to average assets | 2.3458% | 2,669 |
| Loan and lease loss provision to assets | 0.0805% | 1,521 |
| Net operating income to assets | 1.0446% | 2,500 |
| Return on assets (ROA) | 1.0447% | 2,577 |
| Pretax return on assets | 1.4230% | 1,968 |
| Return on Equity (ROE) | 9.9009% | 2,555 |
| Retained earnings to average equity (ytd only) | 6.9426% | 1,936 |
| Net charge-offs to loans | 0.0296% | 1,649 |
| Credit loss provision to net charge-offs | 386.8000% | 924 |
| Earnings coverage of net charge-offs (x) | 72.2460% | 1,057 |
| Efficiency ratio | 60.4293% | 3,094 |
| Assets per employee ($millions) | 6.8107% | 2,059 |
| Cash dividends to net income (ytd only)* | 29.8793% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5799% | 1,304 |
| Loan loss allowance to noncurrent loans | 151.7765% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.0242% | 530 |
| Noncurrent loans to loans | 1.0409% | 946 |
| Net loans and leases to total assets | 69.4839% | 1,097 |
| Net loans and leases to deposits | 78.6478% | 1,335 |
| Net loans and leases to core deposits | 84.1344% | 1,320 |
| Total domestic deposits to total assets | 88.3482% | 1,854 |
| Equity capital to assets | 9.5977% | 3,045 |
| Core capital (leverage) ratio | 8.2626% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9002% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,402,669,800 | 451 |
| Average earning assets | $2,307,370,400 | 434 |
| Average equity | $253,522,400 | 439 |
| Average total loans | $1,691,250,000 | 415 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 1,914 |
| Cost of funding earning assets | 0.2531% | 3,089 |
| Net interest margin | 3.5968% | 1,604 |
| Noninterest income to average assets | 0.4284% | 2,937 |
| Noninterest expense to average assets | 2.3199% | 2,691 |
| Loan and lease loss provision to assets | 0.1289% | 904 |
| Net operating income to assets | 1.0633% | 2,676 |
| Return on assets (ROA) | 1.0634% | 2,741 |
| Pretax return on assets | 1.4515% | 2,145 |
| Return on Equity (ROE) | 9.8205% | 2,802 |
| Retained earnings to average equity (ytd only) | 5.8527% | 2,892 |
| Net charge-offs to loans | 0.0044% | 2,182 |
| Credit loss provision to net charge-offs | 4,166.6667% | 188 |
| Earnings coverage of net charge-offs (x) | 510.8333% | 294 |
| Efficiency ratio | 58.9371% | 3,130 |
| Assets per employee ($millions) | 7.0232% | 1,854 |
| Cash dividends to net income (ytd only)* | 40.4030% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 772 |
| Loan loss allowance to noncurrent loans | 145.1166% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 471 |
| Noncurrent loans to loans | 1.3092% | 823 |
| Net loans and leases to total assets | 68.6794% | 1,238 |
| Net loans and leases to deposits | 79.0003% | 1,384 |
| Net loans and leases to core deposits | 85.2830% | 1,338 |
| Total domestic deposits to total assets | 86.9357% | 2,377 |
| Equity capital to assets | 11.0112% | 2,004 |
| Core capital (leverage) ratio | 10.6434% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6296% | 1,750 |
| Memoranda: | ||
| Average total assets | $2,327,371,000 | 466 |
| Average earning assets | $2,246,509,250 | 451 |
| Average equity | $252,025,500 | 444 |
| Average total loans | $1,636,835,250 | 434 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9936% | 1,579 |
| Cost of funding earning assets | 0.2633% | 3,158 |
| Net interest margin | 3.7302% | 1,272 |
| Noninterest income to average assets | 0.4464% | 2,866 |
| Noninterest expense to average assets | 2.2617% | 2,874 |
| Loan and lease loss provision to assets | 0.1289% | 967 |
| Net operating income to assets | 1.2168% | 2,123 |
| Return on assets (ROA) | 1.2170% | 2,202 |
| Pretax return on assets | 1.6616% | 1,584 |
| Return on Equity (ROE) | 11.3016% | 2,302 |
| Retained earnings to average equity (ytd only) | 7.3129% | 2,317 |
| Net charge-offs to loans | 0.0146% | 1,655 |
| Credit loss provision to net charge-offs | 1,250.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 173.6750% | 540 |
| Efficiency ratio | 55.2724% | 3,630 |
| Assets per employee ($millions) | 6.9552% | 1,841 |
| Cash dividends to net income (ytd only)* | 35.2933% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8852% | 757 |
| Loan loss allowance to noncurrent loans | 142.7000% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 1.2547% | 527 |
| Noncurrent loans to loans | 1.3211% | 887 |
| Net loans and leases to total assets | 67.4424% | 1,523 |
| Net loans and leases to deposits | 77.5190% | 1,677 |
| Net loans and leases to core deposits | 83.8372% | 1,577 |
| Total domestic deposits to total assets | 87.0012% | 2,319 |
| Equity capital to assets | 10.9476% | 2,023 |
| Core capital (leverage) ratio | 10.5290% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1198% | 1,595 |
| Memoranda: | ||
| Average total assets | $2,328,265,667 | 462 |
| Average earning assets | $2,250,420,000 | 447 |
| Average equity | $250,708,667 | 444 |
| Average total loans | $1,639,946,667 | 435 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 1,367 |
| Cost of funding earning assets | 0.2936% | 3,063 |
| Net interest margin | 3.8135% | 1,107 |
| Noninterest income to average assets | 0.4656% | 2,774 |
| Noninterest expense to average assets | 2.2845% | 2,841 |
| Loan and lease loss provision to assets | 0.1287% | 1,067 |
| Net operating income to assets | 1.2701% | 1,922 |
| Return on assets (ROA) | 1.2701% | 1,996 |
| Pretax return on assets | 1.7351% | 1,424 |
| Return on Equity (ROE) | 11.8937% | 2,055 |
| Retained earnings to average equity (ytd only) | 7.8761% | 2,286 |
| Net charge-offs to loans | 0.0161% | 1,420 |
| Credit loss provision to net charge-offs | 1,119.4030% | 389 |
| Earnings coverage of net charge-offs (x) | 162.1045% | 462 |
| Efficiency ratio | 54.5402% | 3,731 |
| Assets per employee ($millions) | 7.1426% | 1,691 |
| Cash dividends to net income (ytd only)* | 33.7792% | 1,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7881% | 893 |
| Loan loss allowance to noncurrent loans | 212.6935% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 915 |
| Noncurrent loans to loans | 0.8407% | 1,591 |
| Net loans and leases to total assets | 68.3171% | 1,489 |
| Net loans and leases to deposits | 78.1787% | 1,701 |
| Net loans and leases to core deposits | 86.8968% | 1,464 |
| Total domestic deposits to total assets | 87.3858% | 2,143 |
| Equity capital to assets | 10.5966% | 2,178 |
| Core capital (leverage) ratio | 10.3844% | 2,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8799% | 1,608 |
| Memoranda: | ||
| Average total assets | $2,330,874,000 | 453 |
| Average earning assets | $2,250,954,000 | 434 |
| Average equity | $248,904,500 | 444 |
| Average total loans | $1,661,507,500 | 427 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2994% | 1,874 |
| Cost of funding earning assets | 0.5687% | 2,512 |
| Net interest margin | 3.7306% | 1,703 |
| Noninterest income to average assets | 0.3727% | 3,252 |
| Noninterest expense to average assets | 2.3653% | 3,226 |
| Loan and lease loss provision to assets | 0.1569% | 2,409 |
| Net operating income to assets | 1.0784% | 1,993 |
| Return on assets (ROA) | 1.0806% | 2,124 |
| Pretax return on assets | 1.4553% | 1,487 |
| Return on Equity (ROE) | 9.7563% | 2,091 |
| Retained earnings to average equity (ytd only) | 5.5905% | 1,997 |
| Net charge-offs to loans | 0.0966% | 1,501 |
| Credit loss provision to net charge-offs | 205.9358% | 2,134 |
| Earnings coverage of net charge-offs (x) | 21.1254% | 1,914 |
| Efficiency ratio | 58.9139% | 3,599 |
| Assets per employee ($millions) | 6.8380% | 1,680 |
| Cash dividends to net income (ytd only)* | 42.6985% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7113% | 1,016 |
| Loan loss allowance to noncurrent loans | 242.3148% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.8681% | 1,153 |
| Noncurrent loans to loans | 0.7062% | 1,932 |
| Net loans and leases to total assets | 71.8039% | 1,315 |
| Net loans and leases to deposits | 82.5940% | 1,592 |
| Net loans and leases to core deposits | 91.7404% | 1,403 |
| Total domestic deposits to total assets | 86.9360% | 1,970 |
| Equity capital to assets | 10.7630% | 2,467 |
| Core capital (leverage) ratio | 10.4112% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2006% | 1,779 |
| Memoranda: | ||
| Average total assets | $2,167,269,800 | 447 |
| Average earning assets | $2,092,501,600 | 425 |
| Average equity | $240,050,600 | 435 |
| Average total loans | $1,708,522,400 | 396 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 1,669 |
| Cost of funding earning assets | 0.6378% | 2,386 |
| Net interest margin | 3.8242% | 1,556 |
| Noninterest income to average assets | 0.3787% | 3,193 |
| Noninterest expense to average assets | 2.3596% | 3,259 |
| Loan and lease loss provision to assets | 0.1671% | 2,326 |
| Net operating income to assets | 1.1184% | 1,921 |
| Return on assets (ROA) | 1.1214% | 2,029 |
| Pretax return on assets | 1.5485% | 1,334 |
| Return on Equity (ROE) | 10.0484% | 2,002 |
| Retained earnings to average equity (ytd only) | 5.8511% | 2,169 |
| Net charge-offs to loans | 0.1127% | 1,221 |
| Credit loss provision to net charge-offs | 184.4828% | 2,168 |
| Earnings coverage of net charge-offs (x) | 18.9007% | 1,950 |
| Efficiency ratio | 57.3660% | 3,755 |
| Assets per employee ($millions) | 6.6681% | 1,698 |
| Cash dividends to net income (ytd only)* | 41.7711% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6272% | 1,024 |
| Loan loss allowance to noncurrent loans | 250.5108% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.9486% | 1,184 |
| Noncurrent loans to loans | 0.6495% | 2,167 |
| Net loans and leases to total assets | 77.0118% | 964 |
| Net loans and leases to deposits | 88.7717% | 1,397 |
| Net loans and leases to core deposits | 100.4355% | 1,131 |
| Total domestic deposits to total assets | 86.7527% | 1,750 |
| Equity capital to assets | 11.0429% | 2,367 |
| Core capital (leverage) ratio | 10.6714% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9658% | 1,844 |
| Memoranda: | ||
| Average total assets | $2,134,696,750 | 444 |
| Average earning assets | $2,061,290,500 | 425 |
| Average equity | $238,241,750 | 433 |
| Average total loans | $1,716,037,000 | 389 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,589 |
| Cost of funding earning assets | 0.7369% | 2,189 |
| Net interest margin | 3.8922% | 1,587 |
| Noninterest income to average assets | 0.3417% | 3,427 |
| Noninterest expense to average assets | 2.3052% | 3,500 |
| Loan and lease loss provision to assets | 0.1375% | 2,645 |
| Net operating income to assets | 1.2018% | 1,632 |
| Return on assets (ROA) | 1.2065% | 1,749 |
| Pretax return on assets | 1.6663% | 1,061 |
| Return on Equity (ROE) | 10.7704% | 1,716 |
| Retained earnings to average equity (ytd only) | 6.5361% | 1,848 |
| Net charge-offs to loans | 0.0443% | 1,859 |
| Credit loss provision to net charge-offs | 382.5858% | 1,440 |
| Earnings coverage of net charge-offs (x) | 50.0106% | 1,106 |
| Efficiency ratio | 55.5866% | 3,993 |
| Assets per employee ($millions) | 6.6281% | 1,688 |
| Cash dividends to net income (ytd only)* | 39.3144% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 1,066 |
| Loan loss allowance to noncurrent loans | 131.5293% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 1,075 |
| Noncurrent loans to loans | 1.1977% | 1,309 |
| Net loans and leases to total assets | 78.6843% | 756 |
| Net loans and leases to deposits | 92.8732% | 1,063 |
| Net loans and leases to core deposits | 104.9904% | 944 |
| Total domestic deposits to total assets | 84.7222% | 2,497 |
| Equity capital to assets | 10.8567% | 2,458 |
| Core capital (leverage) ratio | 10.7786% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6365% | 1,944 |
| Memoranda: | ||
| Average total assets | $2,108,329,667 | 442 |
| Average earning assets | $2,037,566,333 | 419 |
| Average equity | $236,166,667 | 433 |
| Average total loans | $1,710,354,000 | 389 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6797% | 1,776 |
| Cost of funding earning assets | 0.9266% | 1,749 |
| Net interest margin | 3.7530% | 2,130 |
| Noninterest income to average assets | 0.3092% | 3,662 |
| Noninterest expense to average assets | 2.5301% | 3,179 |
| Loan and lease loss provision to assets | 0.1415% | 1,969 |
| Net operating income to assets | 0.9006% | 2,522 |
| Return on assets (ROA) | 0.9084% | 2,601 |
| Pretax return on assets | 1.2719% | 1,960 |
| Return on Equity (ROE) | 7.9757% | 2,528 |
| Retained earnings to average equity (ytd only) | 3.6905% | 2,806 |
| Net charge-offs to loans | 0.0310% | 1,763 |
| Credit loss provision to net charge-offs | 557.6923% | 824 |
| Earnings coverage of net charge-offs (x) | 55.3077% | 840 |
| Efficiency ratio | 63.6824% | 3,285 |
| Assets per employee ($millions) | 5.9156% | 1,747 |
| Cash dividends to net income (ytd only)* | 53.7288% | 1,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 960 |
| Loan loss allowance to noncurrent loans | 184.1437% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.8738% | 1,525 |
| Noncurrent loans to loans | 0.8946% | 1,825 |
| Net loans and leases to total assets | 81.1225% | 547 |
| Net loans and leases to deposits | 96.1226% | 896 |
| Net loans and leases to core deposits | 111.6577% | 773 |
| Total domestic deposits to total assets | 84.3948% | 2,634 |
| Equity capital to assets | 11.5567% | 2,389 |
| Core capital (leverage) ratio | 11.2426% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1349% | 2,220 |
| Memoranda: | ||
| Average total assets | $2,048,970,500 | 441 |
| Average earning assets | $1,978,773,000 | 417 |
| Average equity | $233,357,500 | 437 |
| Average total loans | $1,675,339,500 | 386 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0049% | 1,465 |
| Cost of funding earning assets | 1.1086% | 1,291 |
| Net interest margin | 3.8963% | 2,184 |
| Noninterest income to average assets | 0.4013% | 3,285 |
| Noninterest expense to average assets | 2.4608% | 3,548 |
| Loan and lease loss provision to assets | 0.2239% | 867 |
| Net operating income to assets | 1.0705% | 2,574 |
| Return on assets (ROA) | 1.0743% | 2,647 |
| Pretax return on assets | 1.4817% | 1,861 |
| Return on Equity (ROE) | 9.6373% | 2,456 |
| Retained earnings to average equity (ytd only) | 5.8444% | 1,950 |
| Net charge-offs to loans | 0.1101% | 1,630 |
| Credit loss provision to net charge-offs | 246.8015% | 1,102 |
| Earnings coverage of net charge-offs (x) | 18.7485% | 2,039 |
| Efficiency ratio | 58.5186% | 3,911 |
| Assets per employee ($millions) | 6.0317% | 1,609 |
| Cash dividends to net income (ytd only)* | 39.3564% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6084% | 959 |
| Loan loss allowance to noncurrent loans | 273.0816% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.6244% | 2,021 |
| Noncurrent loans to loans | 0.5890% | 2,416 |
| Net loans and leases to total assets | 79.7586% | 816 |
| Net loans and leases to deposits | 92.6711% | 1,294 |
| Net loans and leases to core deposits | 110.4108% | 828 |
| Total domestic deposits to total assets | 86.0664% | 2,042 |
| Equity capital to assets | 11.2246% | 2,790 |
| Core capital (leverage) ratio | 11.1202% | 2,398 |
| Tier 1 risk-based capital ratio | 12.7134% | 3,939 |
| Total risk-based capital ratio | 13.9670% | 3,824 |
| Memoranda: | ||
| Average total assets | $2,016,201,200 | 423 |
| Average earning assets | $1,945,810,400 | 404 |
| Average equity | $224,762,800 | 429 |
| Average total loans | $1,661,006,200 | 377 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0879% | 1,311 |
| Cost of funding earning assets | 1.1240% | 1,264 |
| Net interest margin | 3.9639% | 2,062 |
| Noninterest income to average assets | 0.4048% | 3,286 |
| Noninterest expense to average assets | 2.4897% | 3,463 |
| Loan and lease loss provision to assets | 0.2546% | 634 |
| Net operating income to assets | 1.0643% | 2,717 |
| Return on assets (ROA) | 1.0666% | 2,794 |
| Pretax return on assets | 1.4877% | 1,992 |
| Return on Equity (ROE) | 9.5844% | 2,629 |
| Retained earnings to average equity (ytd only) | 5.6814% | 2,517 |
| Net charge-offs to loans | 0.1102% | 1,363 |
| Credit loss provision to net charge-offs | 279.4010% | 1,000 |
| Earnings coverage of net charge-offs (x) | 19.0884% | 2,021 |
| Efficiency ratio | 58.2639% | 3,897 |
| Assets per employee ($millions) | 5.8351% | 1,729 |
| Cash dividends to net income (ytd only)* | 40.7227% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 942 |
| Loan loss allowance to noncurrent loans | 289.2710% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 2,161 |
| Noncurrent loans to loans | 0.5633% | 2,610 |
| Net loans and leases to total assets | 80.9120% | 717 |
| Net loans and leases to deposits | 94.2555% | 1,199 |
| Net loans and leases to core deposits | 115.4982% | 679 |
| Total domestic deposits to total assets | 85.8432% | 2,060 |
| Equity capital to assets | 11.4548% | 2,692 |
| Core capital (leverage) ratio | 10.9702% | 2,672 |
| Tier 1 risk-based capital ratio | 12.7767% | 3,971 |
| Total risk-based capital ratio | 14.0306% | 3,863 |
| Memoranda: | ||
| Average total assets | $2,003,031,500 | 427 |
| Average earning assets | $1,932,529,000 | 410 |
| Average equity | $222,897,750 | 432 |
| Average total loans | $1,656,986,500 | 383 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 1,313 |
| Cost of funding earning assets | 1.0915% | 1,330 |
| Net interest margin | 3.9721% | 2,007 |
| Noninterest income to average assets | 0.3783% | 3,415 |
| Noninterest expense to average assets | 2.4923% | 3,505 |
| Loan and lease loss provision to assets | 0.2543% | 600 |
| Net operating income to assets | 1.0502% | 2,723 |
| Return on assets (ROA) | 1.0536% | 2,775 |
| Pretax return on assets | 1.4695% | 1,955 |
| Return on Equity (ROE) | 9.5611% | 2,605 |
| Retained earnings to average equity (ytd only) | 5.4661% | 2,535 |
| Net charge-offs to loans | 0.1772% | 923 |
| Credit loss provision to net charge-offs | 173.1161% | 1,349 |
| Earnings coverage of net charge-offs (x) | 11.7054% | 2,190 |
| Efficiency ratio | 58.5666% | 3,926 |
| Assets per employee ($millions) | 5.8799% | 1,633 |
| Cash dividends to net income (ytd only)* | 42.8301% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,259 |
| Loan loss allowance to noncurrent loans | 315.1963% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.5705% | 2,303 |
| Noncurrent loans to loans | 0.4777% | 2,846 |
| Net loans and leases to total assets | 81.0946% | 720 |
| Net loans and leases to deposits | 95.5616% | 1,089 |
| Net loans and leases to core deposits | 120.7276% | 524 |
| Total domestic deposits to total assets | 84.8611% | 2,542 |
| Equity capital to assets | 10.9970% | 3,058 |
| Core capital (leverage) ratio | 10.9672% | 2,629 |
| Tier 1 risk-based capital ratio | 12.1810% | 4,310 |
| Total risk-based capital ratio | 13.4333% | 4,194 |
| Memoranda: | ||
| Average total assets | $2,005,508,330 | 427 |
| Average earning assets | $1,935,554,330 | 406 |
| Average equity | $220,999,670 | 434 |
| Average total loans | $1,662,173,330 | 386 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0244% | 1,280 |
| Cost of funding earning assets | 1.0133% | 1,518 |
| Net interest margin | 4.0112% | 1,822 |
| Noninterest income to average assets | 0.3853% | 3,291 |
| Noninterest expense to average assets | 2.6402% | 3,084 |
| Loan and lease loss provision to assets | 0.2569% | 559 |
| Net operating income to assets | 0.9728% | 2,961 |
| Return on assets (ROA) | 0.9726% | 3,002 |
| Pretax return on assets | 1.3573% | 2,241 |
| Return on Equity (ROE) | 8.8169% | 2,887 |
| Retained earnings to average equity (ytd only) | 5.1637% | 2,831 |
| Net charge-offs to loans | 0.1277% | 983 |
| Credit loss provision to net charge-offs | 241.9355% | 945 |
| Earnings coverage of net charge-offs (x) | 15.2030% | 1,755 |
| Efficiency ratio | 61.4492% | 3,616 |
| Assets per employee ($millions) | 5.6814% | 1,812 |
| Cash dividends to net income (ytd only)* | 41.4336% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,292 |
| Loan loss allowance to noncurrent loans | 263.3084% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 2,023 |
| Noncurrent loans to loans | 0.5748% | 2,603 |
| Net loans and leases to total assets | 82.1757% | 570 |
| Net loans and leases to deposits | 96.4347% | 926 |
| Net loans and leases to core deposits | 116.9592% | 617 |
| Total domestic deposits to total assets | 85.2138% | 2,594 |
| Equity capital to assets | 11.1288% | 2,723 |
| Core capital (leverage) ratio | 10.7097% | 2,834 |
| Tier 1 risk-based capital ratio | 12.1151% | 4,403 |
| Total risk-based capital ratio | 13.3674% | 4,281 |
| Memoranda: | ||
| Average total assets | $1,985,156,500 | 430 |
| Average earning assets | $1,914,958,000 | 412 |
| Average equity | $218,988,500 | 439 |
| Average total loans | $1,650,893,000 | 388 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,711 |
| Cost of funding earning assets | 0.8086% | 1,478 |
| Net interest margin | 3.9294% | 2,229 |
| Noninterest income to average assets | 0.4142% | 3,353 |
| Noninterest expense to average assets | 2.6348% | 3,229 |
| Loan and lease loss provision to assets | 0.1335% | 1,632 |
| Net operating income to assets | 1.1005% | 2,594 |
| Return on assets (ROA) | 1.1012% | 2,589 |
| Pretax return on assets | 1.4483% | 1,959 |
| Return on Equity (ROE) | 10.2934% | 2,396 |
| Retained earnings to average equity (ytd only) | 10.2934% | 574 |
| Net charge-offs to loans | 0.0698% | 2,117 |
| Credit loss provision to net charge-offs | 228.1369% | 1,292 |
| Earnings coverage of net charge-offs (x) | 27.0152% | 1,703 |
| Efficiency ratio | 62.2879% | 3,468 |
| Assets per employee ($millions) | 5.6463% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4745% | 1,371 |
| Loan loss allowance to noncurrent loans | 260.7622% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 1,958 |
| Noncurrent loans to loans | 0.5655% | 2,572 |
| Net loans and leases to total assets | 81.6637% | 701 |
| Net loans and leases to deposits | 93.9908% | 1,287 |
| Net loans and leases to core deposits | 113.5577% | 796 |
| Total domestic deposits to total assets | 86.8848% | 1,834 |
| Equity capital to assets | 10.9340% | 2,753 |
| Core capital (leverage) ratio | 10.6062% | 2,923 |
| Tier 1 risk-based capital ratio | 12.1255% | 4,344 |
| Total risk-based capital ratio | 13.3774% | 4,229 |
| Memoranda: | ||
| Average total assets | $1,797,562,400 | 458 |
| Average earning assets | $1,739,080,400 | 434 |
| Average equity | $192,297,800 | 463 |
| Average total loans | $1,506,538,400 | 402 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 1,795 |
| Cost of funding earning assets | 0.7592% | 1,539 |
| Net interest margin | 3.9008% | 2,300 |
| Noninterest income to average assets | 0.4263% | 3,313 |
| Noninterest expense to average assets | 2.6010% | 3,276 |
| Loan and lease loss provision to assets | 0.1371% | 1,461 |
| Net operating income to assets | 1.0587% | 2,830 |
| Return on assets (ROA) | 1.0595% | 2,835 |
| Pretax return on assets | 1.4664% | 2,013 |
| Return on Equity (ROE) | 9.9666% | 2,637 |
| Retained earnings to average equity (ytd only) | 9.9666% | 938 |
| Net charge-offs to loans | 0.0709% | 1,825 |
| Credit loss provision to net charge-offs | 230.1790% | 1,249 |
| Earnings coverage of net charge-offs (x) | 26.8977% | 1,725 |
| Efficiency ratio | 61.7617% | 3,546 |
| Assets per employee ($millions) | 5.4709% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5527% | 1,187 |
| Loan loss allowance to noncurrent loans | 257.8007% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.7518% | 1,971 |
| Noncurrent loans to loans | 0.6023% | 2,572 |
| Net loans and leases to total assets | 82.8900% | 574 |
| Net loans and leases to deposits | 96.1392% | 1,141 |
| Net loans and leases to core deposits | 114.6436% | 785 |
| Total domestic deposits to total assets | 86.2187% | 2,089 |
| Equity capital to assets | 10.9330% | 2,723 |
| Core capital (leverage) ratio | 10.7857% | 2,808 |
| Tier 1 risk-based capital ratio | 12.2152% | 4,368 |
| Total risk-based capital ratio | 13.4681% | 4,254 |
| Memoranda: | ||
| Average total assets | $1,750,081,000 | 465 |
| Average earning assets | $1,694,660,000 | 439 |
| Average equity | $186,044,250 | 474 |
| Average total loans | $1,471,336,250 | 404 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,770 |
| Cost of funding earning assets | 0.7146% | 1,546 |
| Net interest margin | 3.8902% | 2,237 |
| Noninterest income to average assets | 0.3964% | 3,512 |
| Noninterest expense to average assets | 2.6048% | 3,310 |
| Loan and lease loss provision to assets | 0.1393% | 1,402 |
| Net operating income to assets | 1.0287% | 2,900 |
| Return on assets (ROA) | 1.0300% | 2,895 |
| Pretax return on assets | 1.4236% | 2,072 |
| Return on Equity (ROE) | 9.7877% | 2,667 |
| Retained earnings to average equity (ytd only) | 9.7877% | 990 |
| Net charge-offs to loans | 0.0911% | 1,437 |
| Credit loss provision to net charge-offs | 182.0941% | 1,395 |
| Earnings coverage of net charge-offs (x) | 20.4052% | 1,811 |
| Efficiency ratio | 62.4035% | 3,576 |
| Assets per employee ($millions) | 5.4599% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5965% | 1,121 |
| Loan loss allowance to noncurrent loans | 197.3030% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 1,548 |
| Noncurrent loans to loans | 0.8092% | 2,108 |
| Net loans and leases to total assets | 82.8450% | 602 |
| Net loans and leases to deposits | 95.3661% | 1,212 |
| Net loans and leases to core deposits | 117.6572% | 645 |
| Total domestic deposits to total assets | 86.8705% | 1,893 |
| Equity capital to assets | 10.6187% | 3,009 |
| Core capital (leverage) ratio | 10.6899% | 2,822 |
| Tier 1 risk-based capital ratio | 12.0676% | 4,457 |
| Total risk-based capital ratio | 13.3211% | 4,329 |
| Memoranda: | ||
| Average total assets | $1,722,524,000 | 474 |
| Average earning assets | $1,669,177,000 | 444 |
| Average equity | $181,267,670 | 482 |
| Average total loans | $1,447,405,670 | 407 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4676% | 1,964 |
| Cost of funding earning assets | 0.6521% | 1,709 |
| Net interest margin | 3.8156% | 2,355 |
| Noninterest income to average assets | 0.4879% | 2,880 |
| Noninterest expense to average assets | 2.8151% | 2,646 |
| Loan and lease loss provision to assets | 0.1403% | 1,345 |
| Net operating income to assets | 0.8909% | 3,334 |
| Return on assets (ROA) | 0.8935% | 3,334 |
| Pretax return on assets | 1.2310% | 2,635 |
| Return on Equity (ROE) | 8.5297% | 3,140 |
| Retained earnings to average equity (ytd only) | 8.5297% | 1,651 |
| Net charge-offs to loans | 0.2254% | 666 |
| Credit loss provision to net charge-offs | 74.1656% | 1,797 |
| Earnings coverage of net charge-offs (x) | 7.2299% | 2,106 |
| Efficiency ratio | 67.1792% | 2,970 |
| Assets per employee ($millions) | 5.3631% | 2,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,171 |
| Loan loss allowance to noncurrent loans | 144.0165% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.2420% | 1,212 |
| Noncurrent loans to loans | 1.1076% | 1,655 |
| Net loans and leases to total assets | 82.7556% | 561 |
| Net loans and leases to deposits | 96.5575% | 971 |
| Net loans and leases to core deposits | 112.8336% | 850 |
| Total domestic deposits to total assets | 85.7060% | 2,674 |
| Equity capital to assets | 10.6586% | 2,916 |
| Core capital (leverage) ratio | 10.6128% | 2,839 |
| Tier 1 risk-based capital ratio | 11.8638% | 4,638 |
| Total risk-based capital ratio | 13.1170% | 4,518 |
| Memoranda: | ||
| Average total assets | $1,710,203,000 | 480 |
| Average earning assets | $1,656,272,000 | 455 |
| Average equity | $179,138,500 | 490 |
| Average total loans | $1,435,647,000 | 411 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 1,632 |
| Cost of funding earning assets | 0.5630% | 1,869 |
| Net interest margin | 3.9623% | 1,874 |
| Noninterest income to average assets | 0.4367% | 3,394 |
| Noninterest expense to average assets | 2.5085% | 3,755 |
| Loan and lease loss provision to assets | 0.1993% | 1,039 |
| Net operating income to assets | 1.0636% | 2,003 |
| Return on assets (ROA) | 1.0636% | 2,025 |
| Pretax return on assets | 1.5530% | 1,442 |
| Return on Equity (ROE) | 10.1295% | 1,829 |
| Retained earnings to average equity (ytd only) | 4.6650% | 2,344 |
| Net charge-offs to loans | 0.1646% | 1,489 |
| Credit loss provision to net charge-offs | 143.6657% | 1,845 |
| Earnings coverage of net charge-offs (x) | 12.6308% | 2,456 |
| Efficiency ratio | 58.7467% | 4,440 |
| Assets per employee ($millions) | 5.6029% | 1,845 |
| Cash dividends to net income (ytd only)* | 53.9466% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 1,167 |
| Loan loss allowance to noncurrent loans | 137.0899% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.3037% | 1,113 |
| Noncurrent loans to loans | 1.1573% | 1,536 |
| Net loans and leases to total assets | 82.4683% | 614 |
| Net loans and leases to deposits | 95.0995% | 1,170 |
| Net loans and leases to core deposits | 114.0855% | 794 |
| Total domestic deposits to total assets | 86.7179% | 2,136 |
| Equity capital to assets | 10.2941% | 3,390 |
| Core capital (leverage) ratio | 10.4057% | 2,959 |
| Tier 1 risk-based capital ratio | 11.3350% | 4,959 |
| Total risk-based capital ratio | 12.5879% | 4,837 |
| Memoranda: | ||
| Average total assets | $1,655,730,400 | 474 |
| Average earning assets | $1,597,971,200 | 452 |
| Average equity | $173,848,000 | 482 |
| Average total loans | $1,395,113,000 | 410 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 1,566 |
| Cost of funding earning assets | 0.5421% | 1,947 |
| Net interest margin | 3.9861% | 1,754 |
| Noninterest income to average assets | 0.4176% | 3,572 |
| Noninterest expense to average assets | 2.5278% | 3,639 |
| Loan and lease loss provision to assets | 0.0997% | 2,117 |
| Net operating income to assets | 0.9958% | 2,574 |
| Return on assets (ROA) | 0.9958% | 2,624 |
| Pretax return on assets | 1.6341% | 1,301 |
| Return on Equity (ROE) | 9.4349% | 2,388 |
| Retained earnings to average equity (ytd only) | 4.0369% | 3,520 |
| Net charge-offs to loans | 0.1666% | 1,243 |
| Credit loss provision to net charge-offs | 70.9323% | 2,691 |
| Earnings coverage of net charge-offs (x) | 12.3353% | 2,434 |
| Efficiency ratio | 59.1841% | 4,329 |
| Assets per employee ($millions) | 5.2182% | 2,207 |
| Cash dividends to net income (ytd only)* | 57.2129% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,397 |
| Loan loss allowance to noncurrent loans | 153.5712% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 1.3553% | 1,167 |
| Noncurrent loans to loans | 1.0017% | 1,934 |
| Net loans and leases to total assets | 83.4712% | 490 |
| Net loans and leases to deposits | 96.8245% | 1,023 |
| Net loans and leases to core deposits | 111.8821% | 929 |
| Total domestic deposits to total assets | 86.2088% | 2,228 |
| Equity capital to assets | 10.6723% | 3,191 |
| Core capital (leverage) ratio | 10.4261% | 3,057 |
| Tier 1 risk-based capital ratio | 11.4862% | 4,968 |
| Total risk-based capital ratio | 12.7384% | 4,861 |
| Memoranda: | ||
| Average total assets | $1,638,243,250 | 482 |
| Average earning assets | $1,579,817,750 | 463 |
| Average equity | $172,899,250 | 488 |
| Average total loans | $1,382,371,250 | 416 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 1,549 |
| Cost of funding earning assets | 0.5155% | 2,053 |
| Net interest margin | 3.9723% | 1,702 |
| Noninterest income to average assets | 0.4201% | 3,566 |
| Noninterest expense to average assets | 2.5056% | 3,730 |
| Loan and lease loss provision to assets | 0.0917% | 2,151 |
| Net operating income to assets | 1.0062% | 2,395 |
| Return on assets (ROA) | 1.0062% | 2,437 |
| Pretax return on assets | 1.6512% | 1,190 |
| Return on Equity (ROE) | 9.5701% | 2,233 |
| Retained earnings to average equity (ytd only) | 4.3393% | 3,122 |
| Net charge-offs to loans | -0.0231% | 4,829 |
| Credit loss provision to net charge-offs | -471.6981% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8418% | 4,486 |
| Assets per employee ($millions) | 5.2777% | 2,083 |
| Cash dividends to net income (ytd only)* | 54.6581% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 1,214 |
| Loan loss allowance to noncurrent loans | 237.4065% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2653% | 1,320 |
| Noncurrent loans to loans | 0.6832% | 2,706 |
| Net loans and leases to total assets | 83.3644% | 504 |
| Net loans and leases to deposits | 98.2847% | 870 |
| Net loans and leases to core deposits | 114.4967% | 777 |
| Total domestic deposits to total assets | 84.8194% | 2,884 |
| Equity capital to assets | 10.4726% | 3,381 |
| Core capital (leverage) ratio | 10.4424% | 2,983 |
| Tier 1 risk-based capital ratio | 11.3315% | 5,068 |
| Total risk-based capital ratio | 12.5848% | 4,952 |
| Memoranda: | ||
| Average total assets | $1,636,409,000 | 486 |
| Average earning assets | $1,577,128,000 | 463 |
| Average equity | $172,057,330 | 490 |
| Average total loans | $1,378,664,330 | 417 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 1,736 |
| Cost of funding earning assets | 0.4887% | 2,175 |
| Net interest margin | 3.8856% | 1,832 |
| Noninterest income to average assets | 0.4669% | 3,207 |
| Noninterest expense to average assets | 2.6143% | 3,443 |
| Loan and lease loss provision to assets | 0.0924% | 1,997 |
| Net operating income to assets | 0.9196% | 2,670 |
| Return on assets (ROA) | 0.9196% | 2,724 |
| Pretax return on assets | 1.5023% | 1,526 |
| Return on Equity (ROE) | 8.7281% | 2,550 |
| Retained earnings to average equity (ytd only) | 4.0507% | 3,435 |
| Net charge-offs to loans | 0.0003% | 2,941 |
| Credit loss provision to net charge-offs | 37,500.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 6,472.0000% | 3 |
| Efficiency ratio | 61.9717% | 4,149 |
| Assets per employee ($millions) | 5.1294% | 2,270 |
| Cash dividends to net income (ytd only)* | 53.5906% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6460% | 1,260 |
| Loan loss allowance to noncurrent loans | 315.7351% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 1,258 |
| Noncurrent loans to loans | 0.5213% | 3,253 |
| Net loans and leases to total assets | 81.7405% | 597 |
| Net loans and leases to deposits | 98.4607% | 731 |
| Net loans and leases to core deposits | 103.1017% | 1,285 |
| Total domestic deposits to total assets | 83.0184% | 3,827 |
| Equity capital to assets | 10.5382% | 3,141 |
| Core capital (leverage) ratio | 10.6269% | 2,765 |
| Tier 1 risk-based capital ratio | 11.5632% | 4,988 |
| Total risk-based capital ratio | 12.8166% | 4,887 |
| Memoranda: | ||
| Average total assets | $1,623,374,000 | 487 |
| Average earning assets | $1,563,398,000 | 467 |
| Average equity | $171,034,000 | 490 |
| Average total loans | $1,363,614,500 | 419 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 1,698 |
| Cost of funding earning assets | 0.5381% | 1,804 |
| Net interest margin | 3.9080% | 1,938 |
| Noninterest income to average assets | 0.4715% | 3,400 |
| Noninterest expense to average assets | 2.5772% | 3,750 |
| Loan and lease loss provision to assets | 0.0555% | 3,271 |
| Net operating income to assets | 0.9718% | 2,484 |
| Return on assets (ROA) | 0.9718% | 2,586 |
| Pretax return on assets | 1.5886% | 1,319 |
| Return on Equity (ROE) | 9.4506% | 2,209 |
| Retained earnings to average equity (ytd only) | 4.7703% | 2,494 |
| Net charge-offs to loans | 0.0019% | 4,210 |
| Credit loss provision to net charge-offs | 3,461.5385% | 128 |
| Earnings coverage of net charge-offs (x) | 1,024.8077% | 74 |
| Efficiency ratio | 60.9089% | 4,432 |
| Assets per employee ($millions) | 5.0488% | 2,332 |
| Cash dividends to net income (ytd only)* | 49.5238% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 1,378 |
| Loan loss allowance to noncurrent loans | 514.7583% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1809% | 1,536 |
| Noncurrent loans to loans | 0.3107% | 4,030 |
| Net loans and leases to total assets | 83.5398% | 428 |
| Net loans and leases to deposits | 97.4747% | 867 |
| Net loans and leases to core deposits | 102.9883% | 1,360 |
| Total domestic deposits to total assets | 85.7041% | 2,729 |
| Equity capital to assets | 10.5332% | 3,115 |
| Core capital (leverage) ratio | 10.4602% | 2,921 |
| Tier 1 risk-based capital ratio | 11.4360% | 5,096 |
| Total risk-based capital ratio | 12.6891% | 4,990 |
| Memoranda: | ||
| Average total assets | $1,620,643,800 | 473 |
| Average earning assets | $1,555,021,400 | 451 |
| Average equity | $166,656,200 | 486 |
| Average total loans | $1,372,121,800 | 397 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 1,691 |
| Cost of funding earning assets | 0.5483% | 1,715 |
| Net interest margin | 3.9034% | 1,965 |
| Noninterest income to average assets | 0.3925% | 3,974 |
| Noninterest expense to average assets | 2.5611% | 3,790 |
| Loan and lease loss provision to assets | 0.0740% | 2,740 |
| Net operating income to assets | 0.9197% | 2,811 |
| Return on assets (ROA) | 0.9197% | 2,930 |
| Pretax return on assets | 1.4995% | 1,712 |
| Return on Equity (ROE) | 8.9982% | 2,490 |
| Retained earnings to average equity (ytd only) | 4.3334% | 3,238 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7942% | 4,268 |
| Assets per employee ($millions) | 4.8497% | 2,563 |
| Cash dividends to net income (ytd only)* | 51.8413% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 1,403 |
| Loan loss allowance to noncurrent loans | 361.7424% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 1,343 |
| Noncurrent loans to loans | 0.4483% | 3,672 |
| Net loans and leases to total assets | 83.2523% | 485 |
| Net loans and leases to deposits | 97.8279% | 870 |
| Net loans and leases to core deposits | 105.1787% | 1,263 |
| Total domestic deposits to total assets | 85.1007% | 2,761 |
| Equity capital to assets | 10.5368% | 3,522 |
| Core capital (leverage) ratio | 10.1056% | 3,438 |
| Tier 1 risk-based capital ratio | 11.4202% | 5,140 |
| Total risk-based capital ratio | 12.6736% | 5,035 |
| Memoranda: | ||
| Average total assets | $1,621,902,250 | 474 |
| Average earning assets | $1,554,878,250 | 447 |
| Average equity | $165,776,500 | 489 |
| Average total loans | $1,372,248,250 | 398 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 1,750 |
| Cost of funding earning assets | 0.5458% | 1,726 |
| Net interest margin | 3.8818% | 2,038 |
| Noninterest income to average assets | 0.4566% | 3,480 |
| Noninterest expense to average assets | 2.5670% | 3,828 |
| Loan and lease loss provision to assets | 0.0737% | 2,665 |
| Net operating income to assets | 0.9419% | 2,663 |
| Return on assets (ROA) | 0.9419% | 2,806 |
| Pretax return on assets | 1.5367% | 1,563 |
| Return on Equity (ROE) | 9.3093% | 2,357 |
| Retained earnings to average equity (ytd only) | 4.6983% | 2,922 |
| Net charge-offs to loans | 0.0020% | 3,638 |
| Credit loss provision to net charge-offs | 4,285.7143% | 102 |
| Earnings coverage of net charge-offs (x) | 936.9286% | 51 |
| Efficiency ratio | 61.3002% | 4,462 |
| Assets per employee ($millions) | 4.9957% | 2,300 |
| Cash dividends to net income (ytd only)* | 49.5308% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,593 |
| Loan loss allowance to noncurrent loans | 361.8753% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4379% | 1,351 |
| Noncurrent loans to loans | 0.4357% | 3,807 |
| Net loans and leases to total assets | 82.4783% | 576 |
| Net loans and leases to deposits | 98.1030% | 880 |
| Net loans and leases to core deposits | 105.2389% | 1,237 |
| Total domestic deposits to total assets | 84.0732% | 3,233 |
| Equity capital to assets | 10.2156% | 3,956 |
| Core capital (leverage) ratio | 10.0722% | 3,486 |
| Tier 1 risk-based capital ratio | 11.4532% | 5,189 |
| Total risk-based capital ratio | 12.7065% | 5,069 |
| Memoranda: | ||
| Average total assets | $1,629,071,330 | 474 |
| Average earning assets | $1,561,504,000 | 449 |
| Average equity | $164,825,000 | 493 |
| Average total loans | $1,378,221,000 | 399 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 1,806 |
| Cost of funding earning assets | 0.5394% | 1,797 |
| Net interest margin | 3.8579% | 2,079 |
| Noninterest income to average assets | 0.4504% | 3,482 |
| Noninterest expense to average assets | 2.4498% | 4,228 |
| Loan and lease loss provision to assets | 0.0739% | 2,485 |
| Net operating income to assets | 0.9887% | 2,330 |
| Return on assets (ROA) | 0.9887% | 2,443 |
| Pretax return on assets | 1.6204% | 1,249 |
| Return on Equity (ROE) | 9.8202% | 2,065 |
| Retained earnings to average equity (ytd only) | 5.4176% | 2,703 |
| Net charge-offs to loans | -0.0046% | 4,270 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9494% | 4,879 |
| Assets per employee ($millions) | 4.9401% | 2,407 |
| Cash dividends to net income (ytd only)* | 44.8319% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5580% | 1,758 |
| Loan loss allowance to noncurrent loans | 485.9318% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 1.5945% | 1,253 |
| Noncurrent loans to loans | 0.3206% | 4,282 |
| Net loans and leases to total assets | 83.8878% | 384 |
| Net loans and leases to deposits | 99.5478% | 658 |
| Net loans and leases to core deposits | 104.4486% | 1,165 |
| Total domestic deposits to total assets | 84.2688% | 3,413 |
| Equity capital to assets | 10.2580% | 3,788 |
| Core capital (leverage) ratio | 10.1025% | 3,421 |
| Tier 1 risk-based capital ratio | 11.3324% | 5,325 |
| Total risk-based capital ratio | 12.5854% | 5,227 |
| Memoranda: | ||
| Average total assets | $1,624,305,500 | 472 |
| Average earning assets | $1,555,158,000 | 451 |
| Average equity | $163,541,000 | 494 |
| Average total loans | $1,380,760,000 | 397 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3246% | 2,131 |
| Cost of funding earning assets | 0.5277% | 1,942 |
| Net interest margin | 3.7969% | 2,386 |
| Noninterest income to average assets | 0.2850% | 4,850 |
| Noninterest expense to average assets | 2.4955% | 4,240 |
| Loan and lease loss provision to assets | 0.1140% | 2,101 |
| Net operating income to assets | 0.8005% | 3,338 |
| Return on assets (ROA) | 0.8040% | 3,399 |
| Pretax return on assets | 1.3050% | 2,265 |
| Return on Equity (ROE) | 7.9645% | 2,980 |
| Retained earnings to average equity (ytd only) | 3.4471% | 3,605 |
| Net charge-offs to loans | -0.0209% | 5,278 |
| Credit loss provision to net charge-offs | -645.1613% | 5,492 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6054% | 4,353 |
| Assets per employee ($millions) | 5.2337% | 2,078 |
| Cash dividends to net income (ytd only)* | 56.7197% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 1,926 |
| Loan loss allowance to noncurrent loans | 483.0314% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 1.6304% | 1,204 |
| Noncurrent loans to loans | 0.3139% | 4,338 |
| Net loans and leases to total assets | 83.5146% | 434 |
| Net loans and leases to deposits | 100.2309% | 657 |
| Net loans and leases to core deposits | 105.5065% | 1,130 |
| Total domestic deposits to total assets | 83.3222% | 3,734 |
| Equity capital to assets | 9.8819% | 4,098 |
| Core capital (leverage) ratio | 10.0817% | 3,399 |
| Tier 1 risk-based capital ratio | 11.0145% | 5,516 |
| Total risk-based capital ratio | 12.2670% | 5,415 |
| Memoranda: | ||
| Average total assets | $1,578,851,600 | 450 |
| Average earning assets | $1,506,957,600 | 431 |
| Average equity | $159,381,400 | 487 |
| Average total loans | $1,332,825,600 | 381 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,126 |
| Cost of funding earning assets | 0.5265% | 1,988 |
| Net interest margin | 3.8073% | 2,356 |
| Noninterest income to average assets | 0.2654% | 5,040 |
| Noninterest expense to average assets | 2.4316% | 4,412 |
| Loan and lease loss provision to assets | 0.1534% | 1,417 |
| Net operating income to assets | 0.8177% | 3,344 |
| Return on assets (ROA) | 0.8223% | 3,405 |
| Pretax return on assets | 1.3190% | 2,322 |
| Return on Equity (ROE) | 8.1011% | 3,026 |
| Retained earnings to average equity (ytd only) | 3.5660% | 3,925 |
| Net charge-offs to loans | 0.0091% | 3,845 |
| Credit loss provision to net charge-offs | 2,000.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 190.9619% | 375 |
| Efficiency ratio | 62.1645% | 4,548 |
| Assets per employee ($millions) | 4.9511% | 2,359 |
| Cash dividends to net income (ytd only)* | 55.9818% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 1,898 |
| Loan loss allowance to noncurrent loans | 467.4949% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 1.7765% | 1,211 |
| Noncurrent loans to loans | 0.3353% | 4,409 |
| Net loans and leases to total assets | 83.8724% | 390 |
| Net loans and leases to deposits | 99.5330% | 694 |
| Net loans and leases to core deposits | 105.6563% | 1,129 |
| Total domestic deposits to total assets | 84.2660% | 3,314 |
| Equity capital to assets | 10.3986% | 3,710 |
| Core capital (leverage) ratio | 10.1365% | 3,456 |
| Tier 1 risk-based capital ratio | 11.4333% | 5,413 |
| Total risk-based capital ratio | 12.6864% | 5,328 |
| Memoranda: | ||
| Average total assets | $1,564,026,500 | 456 |
| Average earning assets | $1,491,760,500 | 441 |
| Average equity | $158,756,500 | 494 |
| Average total loans | $1,318,741,750 | 388 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,251 |
| Cost of funding earning assets | 0.5196% | 2,073 |
| Net interest margin | 3.7584% | 2,482 |
| Noninterest income to average assets | 0.2624% | 5,074 |
| Noninterest expense to average assets | 2.4735% | 4,317 |
| Loan and lease loss provision to assets | 0.1530% | 1,387 |
| Net operating income to assets | 0.7630% | 3,576 |
| Return on assets (ROA) | 0.7699% | 3,637 |
| Pretax return on assets | 1.2320% | 2,640 |
| Return on Equity (ROE) | 7.6462% | 3,242 |
| Retained earnings to average equity (ytd only) | 3.0881% | 4,080 |
| Net charge-offs to loans | 0.0124% | 3,481 |
| Credit loss provision to net charge-offs | 1,463.4146% | 255 |
| Earnings coverage of net charge-offs (x) | 131.4512% | 480 |
| Efficiency ratio | 64.0469% | 4,353 |
| Assets per employee ($millions) | 4.9805% | 2,300 |
| Cash dividends to net income (ytd only)* | 59.6125% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5140% | 2,230 |
| Loan loss allowance to noncurrent loans | 301.0482% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 2.0226% | 1,084 |
| Noncurrent loans to loans | 0.5029% | 3,952 |
| Net loans and leases to total assets | 83.3590% | 429 |
| Net loans and leases to deposits | 98.1897% | 778 |
| Net loans and leases to core deposits | 103.3856% | 1,232 |
| Total domestic deposits to total assets | 84.8959% | 3,165 |
| Equity capital to assets | 10.1317% | 3,896 |
| Core capital (leverage) ratio | 10.0564% | 3,523 |
| Tier 1 risk-based capital ratio | 11.1385% | 5,648 |
| Total risk-based capital ratio | 12.3908% | 5,569 |
| Memoranda: | ||
| Average total assets | $1,568,803,670 | 458 |
| Average earning assets | $1,496,545,670 | 441 |
| Average equity | $157,960,000 | 495 |
| Average total loans | $1,318,168,000 | 388 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,671 |
| Cost of funding earning assets | 0.5122% | 2,181 |
| Net interest margin | 3.6281% | 2,900 |
| Noninterest income to average assets | 0.2463% | 5,197 |
| Noninterest expense to average assets | 2.3287% | 4,797 |
| Loan and lease loss provision to assets | 0.1530% | 1,334 |
| Net operating income to assets | 0.7644% | 3,456 |
| Return on assets (ROA) | 0.7644% | 3,591 |
| Pretax return on assets | 1.2254% | 2,568 |
| Return on Equity (ROE) | 7.6157% | 3,158 |
| Retained earnings to average equity (ytd only) | 3.0432% | 4,157 |
| Net charge-offs to loans | -0.0381% | 5,381 |
| Credit loss provision to net charge-offs | -480.0000% | 4,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5696% | 4,693 |
| Assets per employee ($millions) | 4.9489% | 2,422 |
| Cash dividends to net income (ytd only)* | 60.0400% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 2,298 |
| Loan loss allowance to noncurrent loans | 212.2886% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 2.2759% | 994 |
| Noncurrent loans to loans | 0.7229% | 3,452 |
| Net loans and leases to total assets | 81.1317% | 556 |
| Net loans and leases to deposits | 96.0468% | 827 |
| Net loans and leases to core deposits | 98.9759% | 1,396 |
| Total domestic deposits to total assets | 84.4710% | 3,627 |
| Equity capital to assets | 10.1436% | 3,956 |
| Core capital (leverage) ratio | 9.9442% | 3,672 |
| Tier 1 risk-based capital ratio | 11.6531% | 5,464 |
| Total risk-based capital ratio | 12.9060% | 5,367 |
| Memoranda: | ||
| Average total assets | $1,568,774,000 | 459 |
| Average earning assets | $1,496,432,500 | 440 |
| Average equity | $157,464,000 | 499 |
| Average total loans | $1,313,305,500 | 386 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 2,271 |
| Cost of funding earning assets | 0.4835% | 2,841 |
| Net interest margin | 3.9015% | 2,235 |
| Noninterest income to average assets | 0.1327% | 6,028 |
| Noninterest expense to average assets | 2.5842% | 4,279 |
| Loan and lease loss provision to assets | 0.0120% | 4,384 |
| Net operating income to assets | 0.7543% | 3,607 |
| Return on assets (ROA) | 0.7543% | 3,708 |
| Pretax return on assets | 1.2155% | 2,591 |
| Return on Equity (ROE) | 7.2882% | 3,473 |
| Retained earnings to average equity (ytd only) | 2.7532% | 4,282 |
| Net charge-offs to loans | 0.0451% | 3,923 |
| Credit loss provision to net charge-offs | 31.6344% | 3,813 |
| Earnings coverage of net charge-offs (x) | 32.4042% | 1,262 |
| Efficiency ratio | 67.6407% | 3,956 |
| Assets per employee ($millions) | 5.0591% | 2,248 |
| Cash dividends to net income (ytd only)* | 62.2242% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4146% | 2,886 |
| Loan loss allowance to noncurrent loans | 196.4204% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 2.3098% | 1,034 |
| Noncurrent loans to loans | 0.7202% | 3,524 |
| Net loans and leases to total assets | 83.8261% | 353 |
| Net loans and leases to deposits | 101.2942% | 552 |
| Net loans and leases to core deposits | 104.5414% | 1,097 |
| Total domestic deposits to total assets | 82.7551% | 4,163 |
| Equity capital to assets | 9.9528% | 4,174 |
| Core capital (leverage) ratio | 10.1228% | 3,405 |
| Tier 1 risk-based capital ratio | 11.2495% | 5,794 |
| Total risk-based capital ratio | 12.5013% | 5,720 |
| Memoranda: | ||
| Average total assets | $1,502,056,400 | 464 |
| Average earning assets | $1,416,418,600 | 447 |
| Average equity | $155,457,800 | 491 |
| Average total loans | $1,262,572,400 | 374 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 2,135 |
| Cost of funding earning assets | 0.4757% | 2,997 |
| Net interest margin | 3.9515% | 2,030 |
| Noninterest income to average assets | 0.1969% | 5,748 |
| Noninterest expense to average assets | 2.5725% | 4,282 |
| Loan and lease loss provision to assets | 0.0108% | 4,203 |
| Net operating income to assets | 0.8169% | 3,357 |
| Return on assets (ROA) | 0.8169% | 3,449 |
| Pretax return on assets | 1.3292% | 2,274 |
| Return on Equity (ROE) | 7.8133% | 3,307 |
| Retained earnings to average equity (ytd only) | 3.2987% | 4,275 |
| Net charge-offs to loans | 0.0747% | 3,131 |
| Credit loss provision to net charge-offs | 17.2414% | 3,612 |
| Earnings coverage of net charge-offs (x) | 21.4137% | 1,681 |
| Efficiency ratio | 65.6295% | 4,269 |
| Assets per employee ($millions) | 4.7092% | 2,655 |
| Cash dividends to net income (ytd only)* | 57.7813% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 2,714 |
| Loan loss allowance to noncurrent loans | 170.8224% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 2.6714% | 947 |
| Noncurrent loans to loans | 0.8776% | 3,378 |
| Net loans and leases to total assets | 83.2710% | 376 |
| Net loans and leases to deposits | 98.8826% | 677 |
| Net loans and leases to core deposits | 101.7182% | 1,234 |
| Total domestic deposits to total assets | 84.2120% | 3,679 |
| Equity capital to assets | 10.5669% | 3,475 |
| Core capital (leverage) ratio | 10.3476% | 3,216 |
| Tier 1 risk-based capital ratio | 11.9168% | 5,544 |
| Total risk-based capital ratio | 13.1694% | 5,461 |
| Memoranda: | ||
| Average total assets | $1,482,963,250 | 465 |
| Average earning assets | $1,394,425,250 | 449 |
| Average equity | $155,047,750 | 489 |
| Average total loans | $1,242,685,000 | 376 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3957% | 2,190 |
| Cost of funding earning assets | 0.4660% | 3,147 |
| Net interest margin | 3.9297% | 2,046 |
| Noninterest income to average assets | 0.1581% | 6,003 |
| Noninterest expense to average assets | 2.5604% | 4,380 |
| Loan and lease loss provision to assets | 0.0081% | 4,075 |
| Net operating income to assets | 0.7888% | 3,387 |
| Return on assets (ROA) | 0.7888% | 3,486 |
| Pretax return on assets | 1.2746% | 2,352 |
| Return on Equity (ROE) | 7.5712% | 3,338 |
| Retained earnings to average equity (ytd only) | 3.1046% | 4,227 |
| Net charge-offs to loans | 0.0536% | 3,199 |
| Credit loss provision to net charge-offs | 18.0723% | 3,223 |
| Earnings coverage of net charge-offs (x) | 28.6446% | 1,299 |
| Efficiency ratio | 66.5356% | 4,277 |
| Assets per employee ($millions) | 4.6744% | 2,659 |
| Cash dividends to net income (ytd only)* | 58.9945% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 2,690 |
| Loan loss allowance to noncurrent loans | 222.8015% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 2.7734% | 946 |
| Noncurrent loans to loans | 0.6936% | 3,983 |
| Net loans and leases to total assets | 83.4496% | 339 |
| Net loans and leases to deposits | 98.8031% | 615 |
| Net loans and leases to core deposits | 101.8177% | 1,145 |
| Total domestic deposits to total assets | 84.4605% | 3,743 |
| Equity capital to assets | 10.6524% | 3,252 |
| Core capital (leverage) ratio | 10.4578% | 2,993 |
| Tier 1 risk-based capital ratio | 11.9758% | 5,556 |
| Total risk-based capital ratio | 13.2288% | 5,486 |
| Memoranda: | ||
| Average total assets | $1,482,820,330 | 466 |
| Average earning assets | $1,390,488,000 | 448 |
| Average equity | $154,480,670 | 486 |
| Average total loans | $1,238,901,670 | 374 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7551% | 1,138 |
| Cost of funding earning assets | 0.4403% | 3,533 |
| Net interest margin | 4.3148% | 971 |
| Noninterest income to average assets | -0.0241% | 6,638 |
| Noninterest expense to average assets | 2.1282% | 5,620 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1501% | 1,630 |
| Return on assets (ROA) | 1.1501% | 1,699 |
| Pretax return on assets | 1.8456% | 735 |
| Return on Equity (ROE) | 10.9092% | 1,717 |
| Retained earnings to average equity (ytd only) | 10.9092% | 761 |
| Net charge-offs to loans | -0.0063% | 4,881 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5570% | 6,049 |
| Assets per employee ($millions) | 5.6120% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 2,646 |
| Loan loss allowance to noncurrent loans | 649.5310% | 756 |
| Noncurrent assets plus other real estate owned to assets | 2.5628% | 1,232 |
| Noncurrent loans to loans | 0.2481% | 5,362 |
| Net loans and leases to total assets | 86.5852% | 119 |
| Net loans and leases to deposits | 101.8859% | 369 |
| Net loans and leases to core deposits | 103.3164% | 899 |
| Total domestic deposits to total assets | 84.9826% | 3,877 |
| Equity capital to assets | 10.8984% | 2,828 |
| Core capital (leverage) ratio | 10.5699% | 2,848 |
| Tier 1 risk-based capital ratio | 11.8444% | 5,729 |
| Total risk-based capital ratio | 13.0984% | 5,667 |
| Memoranda: | ||
| Average total assets | $498,062,500 | 1,358 |
| Average earning assets | $461,483,500 | 1,337 |
| Average equity | $52,506,000 | 1,377 |
| Average total loans | $442,809,500 | 996 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7282% | 1,497 |
| Cost of funding earning assets | 0.4794% | 3,823 |
| Net interest margin | 4.2488% | 1,224 |
| Noninterest income to average assets | 0.2275% | 5,715 |
| Noninterest expense to average assets | 2.2108% | 5,601 |
| Loan and lease loss provision to assets | 0.0405% | 4,308 |
| Net operating income to assets | 1.1978% | 1,573 |
| Return on assets (ROA) | 1.1978% | 1,641 |
| Pretax return on assets | 1.9217% | 578 |
| Return on Equity (ROE) | 11.6217% | 1,546 |
| Retained earnings to average equity (ytd only) | 3.1717% | 3,978 |
| Net charge-offs to loans | -0.1107% | 6,498 |
| Credit loss provision to net charge-offs | -43.1034% | 5,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9777% | 6,213 |
| Assets per employee ($millions) | 5.4611% | 1,688 |
| Cash dividends to net income (ytd only)* | 72.7088% | 1,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 3,110 |
| Loan loss allowance to noncurrent loans | 629.9636% | 776 |
| Noncurrent assets plus other real estate owned to assets | 2.5935% | 1,313 |
| Noncurrent loans to loans | 0.2408% | 5,460 |
| Net loans and leases to total assets | 88.4126% | 74 |
| Net loans and leases to deposits | 105.5749% | 275 |
| Net loans and leases to core deposits | 106.8865% | 750 |
| Total domestic deposits to total assets | 83.7440% | 4,266 |
| Equity capital to assets | 10.1995% | 3,505 |
| Core capital (leverage) ratio | 10.2258% | 3,257 |
| Tier 1 risk-based capital ratio | 10.7091% | 6,300 |
| Total risk-based capital ratio | 11.9617% | 6,248 |
| Memoranda: | ||
| Average total assets | $493,722,400 | 1,348 |
| Average earning assets | $458,480,000 | 1,323 |
| Average equity | $50,887,400 | 1,394 |
| Average total loans | $419,281,000 | 1,019 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 1,629 |
| Cost of funding earning assets | 0.4862% | 3,900 |
| Net interest margin | 4.2027% | 1,325 |
| Noninterest income to average assets | 0.2255% | 5,814 |
| Noninterest expense to average assets | 2.1202% | 5,789 |
| Loan and lease loss provision to assets | 0.0544% | 3,947 |
| Net operating income to assets | 1.2210% | 1,561 |
| Return on assets (ROA) | 1.2210% | 1,636 |
| Pretax return on assets | 1.9587% | 633 |
| Return on Equity (ROE) | 11.8146% | 1,537 |
| Retained earnings to average equity (ytd only) | 3.1293% | 4,444 |
| Net charge-offs to loans | -0.1216% | 6,543 |
| Credit loss provision to net charge-offs | -53.4759% | 5,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2964% | 6,314 |
| Assets per employee ($millions) | 5.5458% | 1,584 |
| Cash dividends to net income (ytd only)* | 73.5131% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6134% | 2,951 |
| Loan loss allowance to noncurrent loans | 56,891.6667% | 14 |
| Noncurrent assets plus other real estate owned to assets | 2.4853% | 1,550 |
| Noncurrent loans to loans | 0.0028% | 6,389 |
| Net loans and leases to total assets | 84.3483% | 226 |
| Net loans and leases to deposits | 98.6643% | 527 |
| Net loans and leases to core deposits | 99.9035% | 1,121 |
| Total domestic deposits to total assets | 85.4901% | 3,498 |
| Equity capital to assets | 10.4083% | 3,382 |
| Core capital (leverage) ratio | 10.1458% | 3,468 |
| Tier 1 risk-based capital ratio | 11.4643% | 6,077 |
| Total risk-based capital ratio | 12.7181% | 6,036 |
| Memoranda: | ||
| Average total assets | $490,183,250 | 1,363 |
| Average earning assets | $455,793,750 | 1,339 |
| Average equity | $50,659,000 | 1,409 |
| Average total loans | $410,114,750 | 1,041 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6694% | 1,652 |
| Cost of funding earning assets | 0.4880% | 4,013 |
| Net interest margin | 4.1814% | 1,329 |
| Noninterest income to average assets | 0.1828% | 6,112 |
| Noninterest expense to average assets | 2.1454% | 5,763 |
| Loan and lease loss provision to assets | 0.0818% | 3,429 |
| Net operating income to assets | 1.1512% | 1,739 |
| Return on assets (ROA) | 1.1512% | 1,855 |
| Pretax return on assets | 1.8415% | 840 |
| Return on Equity (ROE) | 11.1660% | 1,760 |
| Retained earnings to average equity (ytd only) | 2.0428% | 4,979 |
| Net charge-offs to loans | -0.0577% | 6,317 |
| Credit loss provision to net charge-offs | -170.9402% | 5,705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7289% | 6,239 |
| Assets per employee ($millions) | 5.4231% | 1,664 |
| Cash dividends to net income (ytd only)* | 81.7052% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,185 |
| Loan loss allowance to noncurrent loans | 7,141.3043% | 105 |
| Noncurrent assets plus other real estate owned to assets | 2.5506% | 1,647 |
| Noncurrent loans to loans | 0.0223% | 6,348 |
| Net loans and leases to total assets | 83.2653% | 280 |
| Net loans and leases to deposits | 96.1423% | 659 |
| Net loans and leases to core deposits | 97.4373% | 1,253 |
| Total domestic deposits to total assets | 86.6064% | 3,055 |
| Equity capital to assets | 10.3886% | 3,442 |
| Core capital (leverage) ratio | 10.4711% | 2,921 |
| Tier 1 risk-based capital ratio | 11.6567% | 6,029 |
| Total risk-based capital ratio | 12.9103% | 5,974 |
| Memoranda: | ||
| Average total assets | $489,052,670 | 1,368 |
| Average earning assets | $454,494,330 | 1,343 |
| Average equity | $50,421,000 | 1,418 |
| Average total loans | $405,770,000 | 1,046 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5604% | 1,946 |
| Cost of funding earning assets | 0.5158% | 3,919 |
| Net interest margin | 4.0446% | 1,631 |
| Noninterest income to average assets | 0.1087% | 6,541 |
| Noninterest expense to average assets | 1.9692% | 6,166 |
| Loan and lease loss provision to assets | 0.0981% | 3,051 |
| Net operating income to assets | 1.1162% | 1,797 |
| Return on assets (ROA) | 1.1162% | 1,905 |
| Pretax return on assets | 1.7829% | 914 |
| Return on Equity (ROE) | 10.8674% | 1,747 |
| Retained earnings to average equity (ytd only) | 0.5251% | 5,617 |
| Net charge-offs to loans | -0.0477% | 6,112 |
| Credit loss provision to net charge-offs | -250.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1460% | 6,430 |
| Assets per employee ($millions) | 5.3504% | 1,808 |
| Cash dividends to net income (ytd only)* | 95.1684% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 3,222 |
| Loan loss allowance to noncurrent loans | 303.0203% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 2.6341% | 1,725 |
| Noncurrent loans to loans | 0.5421% | 5,091 |
| Net loans and leases to total assets | 79.8452% | 435 |
| Net loans and leases to deposits | 91.5599% | 840 |
| Net loans and leases to core deposits | 93.9330% | 1,349 |
| Total domestic deposits to total assets | 87.2055% | 2,830 |
| Equity capital to assets | 10.4506% | 3,600 |
| Core capital (leverage) ratio | 10.0838% | 3,290 |
| Tier 1 risk-based capital ratio | 12.3256% | 5,695 |
| Total risk-based capital ratio | 13.5822% | 5,648 |
| Memoranda: | ||
| Average total assets | $489,537,500 | 1,377 |
| Average earning assets | $452,853,500 | 1,359 |
| Average equity | $50,279,000 | 1,445 |
| Average total loans | $402,168,000 | 1,053 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 1,967 |
| Cost of funding earning assets | 0.7503% | 3,087 |
| Net interest margin | 4.1137% | 1,946 |
| Noninterest income to average assets | 0.1746% | 6,154 |
| Noninterest expense to average assets | 2.1483% | 6,027 |
| Loan and lease loss provision to assets | 0.0360% | 5,440 |
| Net operating income to assets | 1.1297% | 1,843 |
| Return on assets (ROA) | 1.1297% | 2,011 |
| Pretax return on assets | 1.8011% | 920 |
| Return on Equity (ROE) | 11.2463% | 1,729 |
| Retained earnings to average equity (ytd only) | 2.1992% | 4,688 |
| Net charge-offs to loans | -0.0887% | 6,805 |
| Credit loss provision to net charge-offs | -50.8475% | 6,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9040% | 6,277 |
| Assets per employee ($millions) | 5.6539% | 1,562 |
| Cash dividends to net income (ytd only)* | 80.4455% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 3,699 |
| Loan loss allowance to noncurrent loans | 256.6913% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 2.7383% | 1,760 |
| Noncurrent loans to loans | 0.5892% | 5,059 |
| Net loans and leases to total assets | 81.8385% | 334 |
| Net loans and leases to deposits | 93.5180% | 779 |
| Net loans and leases to core deposits | 96.0283% | 1,299 |
| Total domestic deposits to total assets | 87.5110% | 2,520 |
| Equity capital to assets | 10.0967% | 4,040 |
| Core capital (leverage) ratio | 9.9415% | 3,479 |
| Tier 1 risk-based capital ratio | 11.5280% | 6,081 |
| Total risk-based capital ratio | 12.7805% | 6,049 |
| Memoranda: | ||
| Average total assets | $500,681,800 | 1,333 |
| Average earning assets | $463,811,600 | 1,314 |
| Average equity | $50,292,000 | 1,407 |
| Average total loans | $399,180,600 | 1,046 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8490% | 2,202 |
| Cost of funding earning assets | 0.7962% | 2,979 |
| Net interest margin | 4.0528% | 2,280 |
| Noninterest income to average assets | 0.3074% | 5,320 |
| Noninterest expense to average assets | 2.0042% | 6,349 |
| Loan and lease loss provision to assets | 0.0359% | 5,323 |
| Net operating income to assets | 1.2704% | 1,512 |
| Return on assets (ROA) | 1.2704% | 1,668 |
| Pretax return on assets | 2.0350% | 657 |
| Return on Equity (ROE) | 12.6635% | 1,420 |
| Retained earnings to average equity (ytd only) | 4.5798% | 3,680 |
| Net charge-offs to loans | -0.1055% | 6,869 |
| Credit loss provision to net charge-offs | -43.1310% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1812% | 6,650 |
| Assets per employee ($millions) | 5.6402% | 1,506 |
| Cash dividends to net income (ytd only)* | 63.8343% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 3,785 |
| Loan loss allowance to noncurrent loans | 184.1445% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 3.1491% | 1,643 |
| Noncurrent loans to loans | 0.8351% | 4,747 |
| Net loans and leases to total assets | 79.5543% | 546 |
| Net loans and leases to deposits | 92.2550% | 947 |
| Net loans and leases to core deposits | 97.7674% | 1,283 |
| Total domestic deposits to total assets | 86.2331% | 3,131 |
| Equity capital to assets | 10.2548% | 4,129 |
| Core capital (leverage) ratio | 9.9541% | 3,605 |
| Tier 1 risk-based capital ratio | 11.8996% | 5,997 |
| Total risk-based capital ratio | 13.1524% | 5,984 |
| Memoranda: | ||
| Average total assets | $501,467,000 | 1,347 |
| Average earning assets | $466,201,500 | 1,325 |
| Average equity | $50,306,250 | 1,421 |
| Average total loans | $395,617,500 | 1,064 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 2,513 |
| Cost of funding earning assets | 0.8365% | 2,898 |
| Net interest margin | 3.9617% | 2,673 |
| Noninterest income to average assets | 0.3164% | 5,290 |
| Noninterest expense to average assets | 1.9890% | 6,455 |
| Loan and lease loss provision to assets | 0.0358% | 5,230 |
| Net operating income to assets | 1.2353% | 1,596 |
| Return on assets (ROA) | 1.2353% | 1,782 |
| Pretax return on assets | 1.9758% | 723 |
| Return on Equity (ROE) | 12.4050% | 1,535 |
| Retained earnings to average equity (ytd only) | 6.2184% | 2,555 |
| Net charge-offs to loans | -0.0366% | 6,581 |
| Credit loss provision to net charge-offs | -125.0000% | 6,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7168% | 6,660 |
| Assets per employee ($millions) | 5.5164% | 1,607 |
| Cash dividends to net income (ytd only)* | 49.8713% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 4,199 |
| Loan loss allowance to noncurrent loans | 158.6886% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 3.2781% | 1,655 |
| Noncurrent loans to loans | 0.9211% | 4,660 |
| Net loans and leases to total assets | 81.6671% | 359 |
| Net loans and leases to deposits | 94.2411% | 747 |
| Net loans and leases to core deposits | 100.0040% | 1,100 |
| Total domestic deposits to total assets | 86.6576% | 2,978 |
| Equity capital to assets | 10.4542% | 3,742 |
| Core capital (leverage) ratio | 10.0778% | 3,306 |
| Tier 1 risk-based capital ratio | 12.0232% | 5,912 |
| Total risk-based capital ratio | 13.2755% | 5,893 |
| Memoranda: | ||
| Average total assets | $503,177,670 | 1,343 |
| Average earning assets | $467,926,330 | 1,322 |
| Average equity | $50,109,000 | 1,415 |
| Average total loans | $393,815,670 | 1,071 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 3,102 |
| Cost of funding earning assets | 0.8865% | 2,788 |
| Net interest margin | 3.8001% | 3,394 |
| Noninterest income to average assets | 0.3015% | 5,465 |
| Noninterest expense to average assets | 1.9498% | 6,555 |
| Loan and lease loss provision to assets | 0.0352% | 4,942 |
| Net operating income to assets | 1.1569% | 1,862 |
| Return on assets (ROA) | 1.1569% | 2,042 |
| Pretax return on assets | 1.8459% | 982 |
| Return on Equity (ROE) | 11.8982% | 1,702 |
| Retained earnings to average equity (ytd only) | 9.0863% | 1,557 |
| Net charge-offs to loans | -0.0421% | 6,467 |
| Credit loss provision to net charge-offs | -109.7561% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8972% | 6,617 |
| Assets per employee ($millions) | 5.8183% | 1,414 |
| Cash dividends to net income (ytd only)* | 23.6327% | 2,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 4,221 |
| Loan loss allowance to noncurrent loans | 152.1625% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 3.4829% | 1,651 |
| Noncurrent loans to loans | 0.9780% | 4,719 |
| Net loans and leases to total assets | 75.9159% | 807 |
| Net loans and leases to deposits | 88.2909% | 1,133 |
| Net loans and leases to core deposits | 94.1302% | 1,457 |
| Total domestic deposits to total assets | 85.9838% | 3,534 |
| Equity capital to assets | 9.9468% | 4,193 |
| Core capital (leverage) ratio | 9.5792% | 3,946 |
| Tier 1 risk-based capital ratio | 12.2900% | 5,765 |
| Total risk-based capital ratio | 13.5426% | 5,729 |
| Memoranda: | ||
| Average total assets | $512,047,000 | 1,325 |
| Average earning assets | $475,563,500 | 1,308 |
| Average equity | $49,789,000 | 1,415 |
| Average total loans | $389,561,000 | 1,088 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9790% | 2,975 |
| Cost of funding earning assets | 1.2555% | 1,701 |
| Net interest margin | 3.7235% | 4,184 |
| Noninterest income to average assets | -0.0099% | 7,013 |
| Noninterest expense to average assets | 1.9693% | 6,732 |
| Loan and lease loss provision to assets | 0.1395% | 4,875 |
| Net operating income to assets | 0.8482% | 2,832 |
| Return on assets (ROA) | 0.8482% | 2,984 |
| Pretax return on assets | 1.3289% | 2,020 |
| Return on Equity (ROE) | 8.9046% | 2,497 |
| Retained earnings to average equity (ytd only) | 0.7670% | 5,493 |
| Net charge-offs to loans | 0.1915% | 4,611 |
| Credit loss provision to net charge-offs | 97.6934% | 3,680 |
| Earnings coverage of net charge-offs (x) | 10.2822% | 1,861 |
| Efficiency ratio | 57.2854% | 6,154 |
| Assets per employee ($millions) | 6.0221% | 1,215 |
| Cash dividends to net income (ytd only)* | 91.3868% | 497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 4,148 |
| Loan loss allowance to noncurrent loans | 152.5473% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 3.4188% | 1,735 |
| Noncurrent loans to loans | 0.9637% | 4,780 |
| Net loans and leases to total assets | 74.0136% | 1,275 |
| Net loans and leases to deposits | 85.5788% | 1,723 |
| Net loans and leases to core deposits | 91.0552% | 1,980 |
| Total domestic deposits to total assets | 86.4858% | 3,038 |
| Equity capital to assets | 9.5053% | 4,883 |
| Core capital (leverage) ratio | 9.3629% | 4,234 |
| Tier 1 risk-based capital ratio | 12.0601% | 5,794 |
| Total risk-based capital ratio | 13.3125% | 5,777 |
| Memoranda: | ||
| Average total assets | $516,060,800 | 1,296 |
| Average earning assets | $477,825,600 | 1,280 |
| Average equity | $49,154,400 | 1,387 |
| Average total loans | $384,890,000 | 1,105 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0065% | 3,054 |
| Cost of funding earning assets | 1.3284% | 1,556 |
| Net interest margin | 3.6780% | 4,434 |
| Noninterest income to average assets | 0.2268% | 5,995 |
| Noninterest expense to average assets | 1.9017% | 6,846 |
| Loan and lease loss provision to assets | 0.1862% | 4,169 |
| Net operating income to assets | 0.9806% | 2,390 |
| Return on assets (ROA) | 0.9806% | 2,549 |
| Pretax return on assets | 1.5433% | 1,537 |
| Return on Equity (ROE) | 10.2895% | 2,104 |
| Retained earnings to average equity (ytd only) | 2.1491% | 5,054 |
| Net charge-offs to loans | 0.2827% | 3,668 |
| Credit loss provision to net charge-offs | 88.4521% | 3,822 |
| Earnings coverage of net charge-offs (x) | 8.2162% | 2,213 |
| Efficiency ratio | 52.3715% | 6,644 |
| Assets per employee ($millions) | 5.8596% | 1,302 |
| Cash dividends to net income (ytd only)* | 79.1140% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5362% | 3,929 |
| Loan loss allowance to noncurrent loans | 144.7409% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 3.7271% | 1,674 |
| Noncurrent loans to loans | 1.0613% | 4,790 |
| Net loans and leases to total assets | 70.1312% | 2,063 |
| Net loans and leases to deposits | 81.3586% | 2,474 |
| Net loans and leases to core deposits | 87.3897% | 2,574 |
| Total domestic deposits to total assets | 86.2001% | 3,090 |
| Equity capital to assets | 9.6403% | 4,870 |
| Core capital (leverage) ratio | 9.4927% | 4,158 |
| Tier 1 risk-based capital ratio | 12.8973% | 5,172 |
| Total risk-based capital ratio | 14.1505% | 5,150 |
| Memoranda: | ||
| Average total assets | $515,600,750 | 1,303 |
| Average earning assets | $477,236,000 | 1,282 |
| Average equity | $49,136,000 | 1,390 |
| Average total loans | $383,853,500 | 1,128 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9994% | 3,161 |
| Cost of funding earning assets | 1.3738% | 1,533 |
| Net interest margin | 3.6256% | 4,627 |
| Noninterest income to average assets | 0.1889% | 6,316 |
| Noninterest expense to average assets | 1.8988% | 6,950 |
| Loan and lease loss provision to assets | 0.2793% | 3,145 |
| Net operating income to assets | 0.8701% | 2,767 |
| Return on assets (ROA) | 0.8701% | 2,861 |
| Pretax return on assets | 1.3697% | 1,894 |
| Return on Equity (ROE) | 9.1655% | 2,447 |
| Retained earnings to average equity (ytd only) | 3.0361% | 4,348 |
| Net charge-offs to loans | 0.4248% | 2,865 |
| Credit loss provision to net charge-offs | 87.0617% | 3,550 |
| Earnings coverage of net charge-offs (x) | 5.1403% | 2,684 |
| Efficiency ratio | 53.5207% | 6,665 |
| Assets per employee ($millions) | 5.8689% | 1,254 |
| Cash dividends to net income (ytd only)* | 66.8747% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4594% | 4,296 |
| Loan loss allowance to noncurrent loans | 108.9835% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 4.1864% | 1,516 |
| Noncurrent loans to loans | 1.3391% | 4,415 |
| Net loans and leases to total assets | 76.1918% | 1,051 |
| Net loans and leases to deposits | 88.8419% | 1,388 |
| Net loans and leases to core deposits | 95.5734% | 1,726 |
| Total domestic deposits to total assets | 85.7612% | 3,461 |
| Equity capital to assets | 9.9590% | 4,208 |
| Core capital (leverage) ratio | 9.7065% | 3,653 |
| Tier 1 risk-based capital ratio | 12.2588% | 5,560 |
| Total risk-based capital ratio | 13.5110% | 5,545 |
| Memoranda: | ||
| Average total assets | $515,584,670 | 1,305 |
| Average earning assets | $477,656,330 | 1,288 |
| Average equity | $48,944,670 | 1,380 |
| Average total loans | $389,380,330 | 1,119 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 3,445 |
| Cost of funding earning assets | 1.4496% | 1,385 |
| Net interest margin | 3.4764% | 5,114 |
| Noninterest income to average assets | 0.2145% | 6,201 |
| Noninterest expense to average assets | 1.8971% | 6,990 |
| Loan and lease loss provision to assets | 0.2748% | 2,954 |
| Net operating income to assets | 0.8047% | 3,005 |
| Return on assets (ROA) | 0.8047% | 3,070 |
| Pretax return on assets | 1.2612% | 2,160 |
| Return on Equity (ROE) | 8.6791% | 2,622 |
| Retained earnings to average equity (ytd only) | -3.6726% | 6,378 |
| Net charge-offs to loans | 0.9335% | 1,432 |
| Credit loss provision to net charge-offs | 39.4304% | 3,962 |
| Earnings coverage of net charge-offs (x) | 2.2037% | 3,213 |
| Efficiency ratio | 55.2591% | 6,587 |
| Assets per employee ($millions) | 6.0541% | 1,163 |
| Cash dividends to net income (ytd only)* | 142.3150% | 358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,751 |
| Loan loss allowance to noncurrent loans | 134.1009% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 4.3995% | 1,483 |
| Noncurrent loans to loans | 1.0314% | 4,993 |
| Net loans and leases to total assets | 70.9806% | 1,932 |
| Net loans and leases to deposits | 83.4677% | 2,110 |
| Net loans and leases to core deposits | 90.6078% | 2,288 |
| Total domestic deposits to total assets | 85.0396% | 4,014 |
| Equity capital to assets | 9.2825% | 4,760 |
| Core capital (leverage) ratio | 8.9104% | 4,756 |
| Tier 1 risk-based capital ratio | 12.2398% | 5,485 |
| Total risk-based capital ratio | 13.4910% | 5,485 |
| Memoranda: | ||
| Average total assets | $523,950,000 | 1,293 |
| Average earning assets | $485,104,500 | 1,270 |
| Average equity | $48,576,500 | 1,375 |
| Average total loans | $391,213,000 | 1,122 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 2,342 |
| Cost of funding earning assets | 1.6897% | 1,651 |
| Net interest margin | 3.7970% | 3,960 |
| Noninterest income to average assets | -0.0250% | 7,325 |
| Noninterest expense to average assets | 2.0161% | 6,997 |
| Loan and lease loss provision to assets | 0.7886% | 2,077 |
| Net operating income to assets | 0.4639% | 4,255 |
| Return on assets (ROA) | 0.4640% | 4,420 |
| Pretax return on assets | 0.6846% | 4,028 |
| Return on Equity (ROE) | 5.0209% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.0209% | 2,395 |
| Net charge-offs to loans | 1.1087% | 2,010 |
| Credit loss provision to net charge-offs | 88.5025% | 5,184 |
| Earnings coverage of net charge-offs (x) | 1.6531% | 4,497 |
| Efficiency ratio | 57.7843% | 6,363 |
| Assets per employee ($millions) | 6.0603% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4070% | 4,473 |
| Loan loss allowance to noncurrent loans | 105.2670% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 4.7964% | 1,357 |
| Noncurrent loans to loans | 1.3366% | 4,487 |
| Net loans and leases to total assets | 76.2346% | 1,233 |
| Net loans and leases to deposits | 89.9580% | 1,528 |
| Net loans and leases to core deposits | 100.7876% | 1,552 |
| Total domestic deposits to total assets | 84.7447% | 3,976 |
| Equity capital to assets | 9.2600% | 4,739 |
| Core capital (leverage) ratio | 9.0134% | 4,528 |
| Tier 1 risk-based capital ratio | 11.3464% | 6,036 |
| Total risk-based capital ratio | 12.5978% | 6,035 |
| Memoranda: | ||
| Average total assets | $516,390,600 | 1,295 |
| Average earning assets | $477,897,400 | 1,282 |
| Average equity | $47,721,000 | 1,401 |
| Average total loans | $414,980,600 | 1,077 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5385% | 2,295 |
| Cost of funding earning assets | 1.7282% | 1,731 |
| Net interest margin | 3.8103% | 3,929 |
| Noninterest income to average assets | 0.0576% | 7,238 |
| Noninterest expense to average assets | 2.0534% | 6,950 |
| Loan and lease loss provision to assets | 0.9401% | 1,600 |
| Net operating income to assets | 0.4098% | 4,707 |
| Return on assets (ROA) | 0.4098% | 4,883 |
| Pretax return on assets | 0.5928% | 4,621 |
| Return on Equity (ROE) | 4.4373% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.4373% | 3,379 |
| Net charge-offs to loans | 1.4763% | 1,365 |
| Credit loss provision to net charge-offs | 78.4832% | 5,185 |
| Earnings coverage of net charge-offs (x) | 1.2797% | 4,796 |
| Efficiency ratio | 57.2556% | 6,382 |
| Assets per employee ($millions) | 6.0099% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3243% | 4,832 |
| Loan loss allowance to noncurrent loans | 123.0051% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 4.6276% | 1,451 |
| Noncurrent loans to loans | 1.0766% | 5,080 |
| Net loans and leases to total assets | 76.0040% | 1,406 |
| Net loans and leases to deposits | 89.8723% | 1,744 |
| Net loans and leases to core deposits | 101.6231% | 1,694 |
| Total domestic deposits to total assets | 84.5689% | 3,842 |
| Equity capital to assets | 9.3195% | 5,105 |
| Core capital (leverage) ratio | 9.1049% | 4,525 |
| Tier 1 risk-based capital ratio | 11.3133% | 6,092 |
| Total risk-based capital ratio | 12.5635% | 6,085 |
| Memoranda: | ||
| Average total assets | $513,677,000 | 1,311 |
| Average earning assets | $475,710,250 | 1,303 |
| Average equity | $47,445,500 | 1,418 |
| Average total loans | $416,806,000 | 1,085 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6235% | 2,051 |
| Cost of funding earning assets | 1.7596% | 1,818 |
| Net interest margin | 3.8638% | 3,617 |
| Noninterest income to average assets | -0.0316% | 7,572 |
| Noninterest expense to average assets | 2.0908% | 6,934 |
| Loan and lease loss provision to assets | 1.0425% | 1,392 |
| Net operating income to assets | 0.3063% | 5,152 |
| Return on assets (ROA) | 0.3063% | 5,307 |
| Pretax return on assets | 0.4186% | 5,163 |
| Return on Equity (ROE) | 3.3259% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.3259% | 3,991 |
| Net charge-offs to loans | 0.8051% | 2,236 |
| Credit loss provision to net charge-offs | 156.8996% | 2,514 |
| Earnings coverage of net charge-offs (x) | 2.1991% | 3,916 |
| Efficiency ratio | 58.8642% | 6,251 |
| Assets per employee ($millions) | 5.8798% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7663% | 2,832 |
| Loan loss allowance to noncurrent loans | 55.3693% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 5.5136% | 1,119 |
| Noncurrent loans to loans | 3.1900% | 2,511 |
| Net loans and leases to total assets | 79.5642% | 864 |
| Net loans and leases to deposits | 95.4096% | 1,100 |
| Net loans and leases to core deposits | 108.7720% | 1,243 |
| Total domestic deposits to total assets | 83.3923% | 4,394 |
| Equity capital to assets | 9.3663% | 4,902 |
| Core capital (leverage) ratio | 9.0461% | 4,530 |
| Tier 1 risk-based capital ratio | 10.9556% | 6,288 |
| Total risk-based capital ratio | 12.2115% | 6,269 |
| Memoranda: | ||
| Average total assets | $512,618,330 | 1,321 |
| Average earning assets | $475,436,000 | 1,307 |
| Average equity | $47,204,670 | 1,420 |
| Average total loans | $423,041,000 | 1,077 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6109% | 2,103 |
| Cost of funding earning assets | 1.7995% | 1,875 |
| Net interest margin | 3.8114% | 3,748 |
| Noninterest income to average assets | 0.1984% | 6,544 |
| Noninterest expense to average assets | 2.2445% | 6,565 |
| Loan and lease loss provision to assets | 0.3488% | 3,289 |
| Net operating income to assets | 0.7363% | 3,276 |
| Return on assets (ROA) | 0.7363% | 3,379 |
| Pretax return on assets | 1.1378% | 2,596 |
| Return on Equity (ROE) | 8.0635% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.0635% | 1,682 |
| Net charge-offs to loans | 0.1908% | 3,779 |
| Credit loss provision to net charge-offs | 219.5122% | 1,714 |
| Earnings coverage of net charge-offs (x) | 9.3561% | 1,865 |
| Efficiency ratio | 60.1579% | 6,140 |
| Assets per employee ($millions) | 5.7602% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 3,675 |
| Loan loss allowance to noncurrent loans | 38.9168% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 6.3558% | 910 |
| Noncurrent loans to loans | 3.9725% | 1,971 |
| Net loans and leases to total assets | 82.7294% | 502 |
| Net loans and leases to deposits | 99.5209% | 789 |
| Net loans and leases to core deposits | 115.1212% | 991 |
| Total domestic deposits to total assets | 83.1277% | 4,558 |
| Equity capital to assets | 9.4972% | 4,537 |
| Core capital (leverage) ratio | 8.9957% | 4,580 |
| Tier 1 risk-based capital ratio | 10.7274% | 6,409 |
| Total risk-based capital ratio | 11.9806% | 6,395 |
| Memoranda: | ||
| Average total assets | $516,096,500 | 1,348 |
| Average earning assets | $478,354,500 | 1,334 |
| Average equity | $47,126,000 | 1,427 |
| Average total loans | $429,781,500 | 1,093 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8742% | 2,354 |
| Cost of funding earning assets | 2.1385% | 2,288 |
| Net interest margin | 3.7357% | 3,972 |
| Noninterest income to average assets | -0.0065% | 7,720 |
| Noninterest expense to average assets | 1.9141% | 7,483 |
| Loan and lease loss provision to assets | 1.0159% | 2,247 |
| Net operating income to assets | 0.3742% | 4,234 |
| Return on assets (ROA) | 0.3742% | 4,332 |
| Pretax return on assets | 0.5624% | 4,012 |
| Return on Equity (ROE) | 4.2137% | 3,997 |
| Retained earnings to average equity (ytd only) | -0.0707% | 4,950 |
| Net charge-offs to loans | 0.9490% | 2,500 |
| Credit loss provision to net charge-offs | 126.1815% | 4,133 |
| Earnings coverage of net charge-offs (x) | 1.9603% | 4,253 |
| Efficiency ratio | 54.8074% | 7,152 |
| Assets per employee ($millions) | 6.1041% | 1,182 |
| Cash dividends to net income (ytd only)* | 101.6777% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 4,083 |
| Loan loss allowance to noncurrent loans | 48.0371% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 5.3038% | 1,115 |
| Noncurrent loans to loans | 2.9745% | 2,586 |
| Net loans and leases to total assets | 81.3851% | 783 |
| Net loans and leases to deposits | 99.7804% | 926 |
| Net loans and leases to core deposits | 112.6747% | 2,629 |
| Total domestic deposits to total assets | 81.5642% | 5,126 |
| Equity capital to assets | 8.7859% | 5,462 |
| Core capital (leverage) ratio | 8.4705% | 5,323 |
| Tier 1 risk-based capital ratio | 10.0399% | 6,834 |
| Total risk-based capital ratio | 11.2916% | 6,805 |
| Memoranda: | ||
| Average total assets | $525,633,000 | 1,307 |
| Average earning assets | $492,308,800 | 1,282 |
| Average equity | $46,681,200 | 1,445 |
| Average total loans | $445,943,000 | 1,076 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8952% | 2,472 |
| Cost of funding earning assets | 2.1754% | 2,528 |
| Net interest margin | 3.7198% | 3,990 |
| Noninterest income to average assets | -0.0773% | 7,911 |
| Noninterest expense to average assets | 1.9941% | 7,400 |
| Loan and lease loss provision to assets | 0.9766% | 1,964 |
| Net operating income to assets | 0.3062% | 4,772 |
| Return on assets (ROA) | 0.3062% | 4,879 |
| Pretax return on assets | 0.4501% | 4,663 |
| Return on Equity (ROE) | 3.4384% | 4,603 |
| Retained earnings to average equity (ytd only) | -2.2732% | 5,777 |
| Net charge-offs to loans | 1.0144% | 1,945 |
| Credit loss provision to net charge-offs | 112.7091% | 4,508 |
| Earnings coverage of net charge-offs (x) | 1.6466% | 4,559 |
| Efficiency ratio | 58.2931% | 6,679 |
| Assets per employee ($millions) | 5.8696% | 1,307 |
| Cash dividends to net income (ytd only)* | 166.1133% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 4,863 |
| Loan loss allowance to noncurrent loans | 26.6317% | 6,686 |
| Noncurrent assets plus other real estate owned to assets | 5.4093% | 1,066 |
| Noncurrent loans to loans | 4.6793% | 1,469 |
| Net loans and leases to total assets | 84.7983% | 454 |
| Net loans and leases to deposits | 103.2445% | 828 |
| Net loans and leases to core deposits | 116.6116% | 2,562 |
| Total domestic deposits to total assets | 82.1335% | 4,621 |
| Equity capital to assets | 8.8123% | 5,764 |
| Core capital (leverage) ratio | 8.3531% | 5,744 |
| Tier 1 risk-based capital ratio | 9.7854% | 7,150 |
| Total risk-based capital ratio | 11.0160% | 7,137 |
| Memoranda: | ||
| Average total assets | $524,276,750 | 1,326 |
| Average earning assets | $493,022,500 | 1,290 |
| Average equity | $46,687,000 | 1,464 |
| Average total loans | $447,812,000 | 1,092 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9418% | 2,411 |
| Cost of funding earning assets | 2.2108% | 2,746 |
| Net interest margin | 3.7310% | 3,828 |
| Noninterest income to average assets | 0.2534% | 6,465 |
| Noninterest expense to average assets | 2.0129% | 7,439 |
| Loan and lease loss provision to assets | 0.7316% | 2,240 |
| Net operating income to assets | 0.6382% | 3,515 |
| Return on assets (ROA) | 0.6382% | 3,620 |
| Pretax return on assets | 1.0063% | 2,983 |
| Return on Equity (ROE) | 7.1422% | 3,139 |
| Retained earnings to average equity (ytd only) | -1.3858% | 5,588 |
| Net charge-offs to loans | 0.7610% | 2,155 |
| Credit loss provision to net charge-offs | 112.7422% | 4,110 |
| Earnings coverage of net charge-offs (x) | 2.6782% | 3,740 |
| Efficiency ratio | 53.6672% | 7,364 |
| Assets per employee ($millions) | 5.7651% | 1,373 |
| Cash dividends to net income (ytd only)* | 119.4030% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 5,102 |
| Loan loss allowance to noncurrent loans | 33.5707% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 4.9512% | 1,078 |
| Noncurrent loans to loans | 3.5037% | 2,002 |
| Net loans and leases to total assets | 85.1290% | 487 |
| Net loans and leases to deposits | 103.7174% | 932 |
| Net loans and leases to core deposits | 119.5194% | 2,411 |
| Total domestic deposits to total assets | 82.0778% | 4,657 |
| Equity capital to assets | 8.7439% | 5,696 |
| Core capital (leverage) ratio | 8.5855% | 5,285 |
| Tier 1 risk-based capital ratio | 9.5610% | 7,340 |
| Total risk-based capital ratio | 10.7048% | 7,384 |
| Memoranda: | ||
| Average total assets | $524,903,670 | 1,342 |
| Average earning assets | $492,036,000 | 1,317 |
| Average equity | $46,904,330 | 1,471 |
| Average total loans | $447,558,330 | 1,120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0164% | 2,295 |
| Cost of funding earning assets | 2.2893% | 2,748 |
| Net interest margin | 3.7271% | 3,772 |
| Noninterest income to average assets | 0.2658% | 6,317 |
| Noninterest expense to average assets | 1.9787% | 7,402 |
| Loan and lease loss provision to assets | 0.3217% | 3,400 |
| Net operating income to assets | 0.9070% | 2,675 |
| Return on assets (ROA) | 0.9070% | 2,823 |
| Pretax return on assets | 1.4563% | 1,800 |
| Return on Equity (ROE) | 10.0407% | 2,299 |
| Retained earnings to average equity (ytd only) | 10.0407% | 1,182 |
| Net charge-offs to loans | 0.0271% | 5,150 |
| Credit loss provision to net charge-offs | 1,400.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 77.3667% | 534 |
| Efficiency ratio | 52.6713% | 7,346 |
| Assets per employee ($millions) | 5.5895% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2685% | 4,289 |
| Loan loss allowance to noncurrent loans | 25.6806% | 6,857 |
| Noncurrent assets plus other real estate owned to assets | 6.2037% | 624 |
| Noncurrent loans to loans | 4.9397% | 1,104 |
| Net loans and leases to total assets | 83.9551% | 696 |
| Net loans and leases to deposits | 102.7510% | 1,114 |
| Net loans and leases to core deposits | 118.1211% | 2,586 |
| Total domestic deposits to total assets | 81.7073% | 4,673 |
| Equity capital to assets | 9.3021% | 4,935 |
| Core capital (leverage) ratio | 9.0561% | 4,614 |
| Tier 1 risk-based capital ratio | 10.4929% | 6,402 |
| Total risk-based capital ratio | 11.7429% | 6,318 |
| Memoranda: | ||
| Average total assets | $522,159,000 | 1,354 |
| Average earning assets | $489,066,500 | 1,328 |
| Average equity | $47,168,000 | 1,463 |
| Average total loans | $442,891,500 | 1,137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4461% | 3,200 |
| Cost of funding earning assets | 2.8761% | 2,367 |
| Net interest margin | 3.5699% | 5,012 |
| Noninterest income to average assets | 0.2752% | 6,493 |
| Noninterest expense to average assets | 1.8404% | 7,703 |
| Loan and lease loss provision to assets | 0.4413% | 3,083 |
| Net operating income to assets | 0.8263% | 3,329 |
| Return on assets (ROA) | 0.8269% | 3,163 |
| Pretax return on assets | 1.3310% | 2,202 |
| Return on Equity (ROE) | 9.3749% | 2,487 |
| Retained earnings to average equity (ytd only) | 4.9276% | 2,069 |
| Net charge-offs to loans | 0.0358% | 6,301 |
| Credit loss provision to net charge-offs | 1,461.0390% | 308 |
| Earnings coverage of net charge-offs (x) | 58.6429% | 680 |
| Efficiency ratio | 50.9558% | 7,590 |
| Assets per employee ($millions) | 5.7617% | 1,286 |
| Cash dividends to net income (ytd only)* | 47.4383% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 4,919 |
| Loan loss allowance to noncurrent loans | 24.1942% | 7,049 |
| Noncurrent assets plus other real estate owned to assets | 5.5986% | 568 |
| Noncurrent loans to loans | 4.7524% | 972 |
| Net loans and leases to total assets | 83.6383% | 947 |
| Net loans and leases to deposits | 103.1754% | 1,443 |
| Net loans and leases to core deposits | 119.5629% | 2,735 |
| Total domestic deposits to total assets | 81.0642% | 4,611 |
| Equity capital to assets | 8.7724% | 5,701 |
| Core capital (leverage) ratio | 8.7538% | 5,110 |
| Tier 1 risk-based capital ratio | 9.8727% | 6,879 |
| Total risk-based capital ratio | 10.9980% | 6,923 |
| Memoranda: | ||
| Average total assets | $509,836,200 | 1,327 |
| Average earning assets | $476,507,400 | 1,296 |
| Average equity | $44,971,200 | 1,504 |
| Average total loans | $429,836,600 | 1,117 |