Home > National Exchange Bank and Trust > Performance and Condition Ratios
National Exchange Bank and Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1896% | 1,686 |
| Cost of funding earning assets | 1.4775% | 1,998 |
| Net interest margin | 3.7121% | 1,740 |
| Noninterest income to average assets | 0.6300% | 1,422 |
| Noninterest expense to average assets | 1.9910% | 3,657 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.5166% | 982 |
| Return on assets (ROA) | 1.4813% | 1,025 |
| Pretax return on assets | 1.9036% | 769 |
| Return on Equity (ROE) | 9.5800% | 2,616 |
| Retained earnings to average equity (ytd only) | 9.5848% | 1,118 |
| Net charge-offs to loans | -0.0440% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 47.6023% | 4,107 |
| Assets per employee ($millions) | 7.6966% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0820% | 111 |
| Loan loss allowance to noncurrent loans | 115.5598% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 221 |
| Noncurrent loans to loans | 2.6670% | 170 |
| Net loans and leases to total assets | 58.8800% | 2,963 |
| Net loans and leases to deposits | 74.4292% | 2,589 |
| Net loans and leases to core deposits | 76.0348% | 2,977 |
| Total domestic deposits to total assets | 79.1100% | 3,598 |
| Equity capital to assets | 16.1614% | 450 |
| Core capital (leverage) ratio | 17.6670% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,706,037,000 | 431 |
| Average earning assets | $2,545,566,000 | 416 |
| Average equity | $418,203,400 | 307 |
| Average total loans | $1,658,361,200 | 482 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1357% | 1,567 |
| Cost of funding earning assets | 1.3952% | 1,880 |
| Net interest margin | 3.7404% | 1,701 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 1.9583% | 3,691 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.5553% | 1,010 |
| Return on assets (ROA) | 1.5079% | 1,095 |
| Pretax return on assets | 1.9398% | 820 |
| Return on Equity (ROE) | 9.8700% | 2,670 |
| Retained earnings to average equity (ytd only) | 9.8740% | 1,439 |
| Net charge-offs to loans | -0.0355% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 47.9628% | 4,047 |
| Assets per employee ($millions) | 7.3564% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8970% | 132 |
| Loan loss allowance to noncurrent loans | 104.1937% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.7190% | 186 |
| Noncurrent loans to loans | 2.7804% | 161 |
| Net loans and leases to total assets | 60.0400% | 2,841 |
| Net loans and leases to deposits | 75.3925% | 2,468 |
| Net loans and leases to core deposits | 76.8742% | 2,809 |
| Total domestic deposits to total assets | 79.6300% | 3,581 |
| Equity capital to assets | 15.5935% | 483 |
| Core capital (leverage) ratio | 17.3065% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,686,005,500 | 437 |
| Average earning assets | $2,525,568,000 | 418 |
| Average equity | $410,183,500 | 315 |
| Average total loans | $1,649,796,000 | 484 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 64,860.0000% | 13 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 474,181.0000% | 6 |
| Cost of funding earning assets | 600.0000% | 5 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 1.5085% | 1,085 |
| Pretax return on assets | 2.0284% | 716 |
| Return on Equity (ROE) | 9.9500% | 2,714 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 1,444 |
| Efficiency ratio | 3.3005% | 4,617 |
| Assets per employee ($millions) | 0.6065% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.3678% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 684.0000% | 1 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0014% | 4,537 |
| Total domestic deposits to total assets | 0.0000% | 4,600 |
| Equity capital to assets | 16,806.0000% | 25 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,465,000 | 4,648 |
| Average earning assets | $4,256 | 4,631 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 1,524 |
| Cost of funding earning assets | 1.0962% | 1,760 |
| Net interest margin | 3.7440% | 1,802 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 1.9010% | 3,847 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.5376% | 1,101 |
| Return on assets (ROA) | 1.5376% | 1,088 |
| Pretax return on assets | 2.0643% | 693 |
| Return on Equity (ROE) | 10.2000% | 2,726 |
| Retained earnings to average equity (ytd only) | 10.1969% | 1,649 |
| Net charge-offs to loans | -0.0366% | 4,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.7351% | 4,176 |
| Assets per employee ($millions) | 7.4292% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8524% | 152 |
| Loan loss allowance to noncurrent loans | 508.4021% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 1,492 |
| Noncurrent loans to loans | 0.5611% | 1,320 |
| Net loans and leases to total assets | 59.3100% | 2,739 |
| Net loans and leases to deposits | 73.6451% | 2,323 |
| Net loans and leases to core deposits | 74.5897% | 2,639 |
| Total domestic deposits to total assets | 80.5400% | 3,699 |
| Equity capital to assets | 15.2767% | 455 |
| Core capital (leverage) ratio | 17.0493% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6222% | 523 |
| Memoranda: | ||
| Average total assets | $2,662,382,000 | 441 |
| Average earning assets | $2,502,554,000 | 424 |
| Average equity | $401,455,500 | 315 |
| Average total loans | $1,619,228,500 | 482 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4670% | 3,161 |
| Cost of funding earning assets | 0.3484% | 2,489 |
| Net interest margin | 3.1186% | 3,116 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 1.8607% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2013% | 1,763 |
| Return on assets (ROA) | 1.2034% | 1,697 |
| Pretax return on assets | 1.5906% | 1,187 |
| Return on Equity (ROE) | 7.9700% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.9675% | 1,849 |
| Net charge-offs to loans | -0.0441% | 4,315 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.2146% | 3,858 |
| Assets per employee ($millions) | 7.3409% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9054% | 130 |
| Loan loss allowance to noncurrent loans | 477.9598% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3683% | 1,394 |
| Noncurrent loans to loans | 0.6079% | 1,231 |
| Net loans and leases to total assets | 58.8200% | 2,747 |
| Net loans and leases to deposits | 71.4193% | 2,456 |
| Net loans and leases to core deposits | 72.0083% | 2,726 |
| Total domestic deposits to total assets | 82.3600% | 3,560 |
| Equity capital to assets | 14.8769% | 482 |
| Core capital (leverage) ratio | 16.9350% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6120% | 505 |
| Memoranda: | ||
| Average total assets | $2,628,029,800 | 437 |
| Average earning assets | $2,468,956,000 | 425 |
| Average equity | $396,938,600 | 308 |
| Average total loans | $1,424,975,800 | 502 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1427% | 3,573 |
| Cost of funding earning assets | 0.2269% | 2,967 |
| Net interest margin | 2.9158% | 3,448 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.8334% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0976% | 2,111 |
| Return on assets (ROA) | 1.0996% | 2,067 |
| Pretax return on assets | 1.4468% | 1,569 |
| Return on Equity (ROE) | 7.2500% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.2529% | 2,280 |
| Net charge-offs to loans | -0.0374% | 4,220 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.1580% | 3,702 |
| Assets per employee ($millions) | 7.1237% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0961% | 124 |
| Loan loss allowance to noncurrent loans | 358.1930% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 1,106 |
| Noncurrent loans to loans | 0.8644% | 911 |
| Net loans and leases to total assets | 55.7000% | 2,932 |
| Net loans and leases to deposits | 67.1652% | 2,618 |
| Net loans and leases to core deposits | 67.6519% | 2,829 |
| Total domestic deposits to total assets | 82.9300% | 3,702 |
| Equity capital to assets | 14.4212% | 517 |
| Core capital (leverage) ratio | 16.7368% | 392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8005% | 505 |
| Memoranda: | ||
| Average total assets | $2,626,188,250 | 438 |
| Average earning assets | $2,468,503,000 | 426 |
| Average equity | $398,157,000 | 308 |
| Average total loans | $1,382,082,250 | 509 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8750% | 3,841 |
| Cost of funding earning assets | 0.1336% | 3,794 |
| Net interest margin | 2.7414% | 3,601 |
| Noninterest income to average assets | 0.5529% | 1,934 |
| Noninterest expense to average assets | 1.8039% | 3,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0259% | 2,064 |
| Return on assets (ROA) | 1.0268% | 2,032 |
| Pretax return on assets | 1.3274% | 1,649 |
| Return on Equity (ROE) | 6.6657% | 3,407 |
| Retained earnings to average equity (ytd only) | 6.6657% | 2,104 |
| Net charge-offs to loans | -0.0297% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8151% | 3,699 |
| Assets per employee ($millions) | 7.0264% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2577% | 111 |
| Loan loss allowance to noncurrent loans | 391.7988% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4561% | 1,241 |
| Noncurrent loans to loans | 0.8315% | 1,028 |
| Net loans and leases to total assets | 53.0699% | 3,054 |
| Net loans and leases to deposits | 64.1844% | 2,700 |
| Net loans and leases to core deposits | 64.7151% | 2,914 |
| Total domestic deposits to total assets | 82.6836% | 3,919 |
| Equity capital to assets | 15.0573% | 397 |
| Core capital (leverage) ratio | 16.3325% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2050% | 467 |
| Memoranda: | ||
| Average total assets | $2,637,244,333 | 434 |
| Average earning assets | $2,479,371,333 | 423 |
| Average equity | $406,228,000 | 301 |
| Average total loans | $1,345,950,667 | 513 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6761% | 3,991 |
| Cost of funding earning assets | 0.0815% | 4,342 |
| Net interest margin | 2.5946% | 3,670 |
| Noninterest income to average assets | 0.5601% | 1,866 |
| Noninterest expense to average assets | 1.7736% | 4,005 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9568% | 2,045 |
| Return on assets (ROA) | 0.9588% | 2,033 |
| Pretax return on assets | 1.2356% | 1,691 |
| Return on Equity (ROE) | 6.1578% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.1578% | 2,192 |
| Net charge-offs to loans | -0.0241% | 3,994 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1515% | 3,665 |
| Assets per employee ($millions) | 7.4816% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4436% | 111 |
| Loan loss allowance to noncurrent loans | 349.6072% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 1,225 |
| Noncurrent loans to loans | 0.9850% | 923 |
| Net loans and leases to total assets | 48.1203% | 3,373 |
| Net loans and leases to deposits | 58.4465% | 3,038 |
| Net loans and leases to core deposits | 58.9424% | 3,241 |
| Total domestic deposits to total assets | 82.3321% | 4,038 |
| Equity capital to assets | 15.0049% | 393 |
| Core capital (leverage) ratio | 15.8618% | 360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8997% | 440 |
| Memoranda: | ||
| Average total assets | $2,670,038,500 | 432 |
| Average earning assets | $2,517,719,000 | 420 |
| Average equity | $415,730,500 | 304 |
| Average total loans | $1,313,559,000 | 516 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7357% | 4,276 |
| Cost of funding earning assets | 0.0914% | 4,447 |
| Net interest margin | 2.6444% | 3,972 |
| Noninterest income to average assets | 0.7357% | 1,643 |
| Noninterest expense to average assets | 1.8110% | 4,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1030% | 2,285 |
| Return on assets (ROA) | 1.1027% | 2,346 |
| Pretax return on assets | 1.4326% | 1,937 |
| Return on Equity (ROE) | 6.5945% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.2752% | 3,098 |
| Net charge-offs to loans | -0.7441% | 4,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0294% | 3,814 |
| Assets per employee ($millions) | 7.4766% | 1,634 |
| Cash dividends to net income (ytd only)* | 35.1704% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5307% | 98 |
| Loan loss allowance to noncurrent loans | 336.2581% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.5098% | 1,309 |
| Noncurrent loans to loans | 1.0500% | 936 |
| Net loans and leases to total assets | 46.8413% | 3,618 |
| Net loans and leases to deposits | 57.8008% | 3,273 |
| Net loans and leases to core deposits | 58.3181% | 3,447 |
| Total domestic deposits to total assets | 81.0392% | 4,101 |
| Equity capital to assets | 16.1358% | 368 |
| Core capital (leverage) ratio | 16.0067% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,578,565,000 | 426 |
| Average earning assets | $2,445,885,200 | 414 |
| Average equity | $431,159,200 | 297 |
| Average total loans | $1,241,908,800 | 549 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7705% | 4,332 |
| Cost of funding earning assets | 0.0960% | 4,529 |
| Net interest margin | 2.6746% | 4,020 |
| Noninterest income to average assets | 0.7663% | 1,630 |
| Noninterest expense to average assets | 1.8189% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1426% | 2,397 |
| Return on assets (ROA) | 1.1422% | 2,457 |
| Pretax return on assets | 1.4863% | 2,031 |
| Return on Equity (ROE) | 6.7689% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.7689% | 2,507 |
| Net charge-offs to loans | -0.9912% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2354% | 3,775 |
| Assets per employee ($millions) | 7.1501% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6915% | 87 |
| Loan loss allowance to noncurrent loans | 304.9162% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 1,344 |
| Noncurrent loans to loans | 1.2107% | 920 |
| Net loans and leases to total assets | 45.6338% | 3,819 |
| Net loans and leases to deposits | 56.6746% | 3,518 |
| Net loans and leases to core deposits | 57.1761% | 3,685 |
| Total domestic deposits to total assets | 80.5190% | 4,162 |
| Equity capital to assets | 16.8032% | 350 |
| Core capital (leverage) ratio | 16.3785% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,555,920,000 | 431 |
| Average earning assets | $2,426,753,750 | 417 |
| Average equity | $431,276,750 | 297 |
| Average total loans | $1,228,380,750 | 561 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8743% | 4,256 |
| Cost of funding earning assets | 0.0971% | 4,600 |
| Net interest margin | 2.7773% | 3,837 |
| Noninterest income to average assets | 0.8133% | 1,504 |
| Noninterest expense to average assets | 1.8583% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2215% | 2,104 |
| Return on assets (ROA) | 1.2211% | 2,184 |
| Pretax return on assets | 1.5951% | 1,744 |
| Return on Equity (ROE) | 7.2266% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.2266% | 2,351 |
| Net charge-offs to loans | -1.4840% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0516% | 3,925 |
| Assets per employee ($millions) | 6.9928% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8721% | 74 |
| Loan loss allowance to noncurrent loans | 794.7552% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 2,777 |
| Noncurrent loans to loans | 0.4872% | 2,222 |
| Net loans and leases to total assets | 44.3634% | 4,021 |
| Net loans and leases to deposits | 55.4180% | 3,760 |
| Net loans and leases to core deposits | 55.9236% | 3,893 |
| Total domestic deposits to total assets | 80.0524% | 4,230 |
| Equity capital to assets | 17.0421% | 321 |
| Core capital (leverage) ratio | 16.2302% | 357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,537,968,000 | 432 |
| Average earning assets | $2,413,001,000 | 416 |
| Average equity | $428,860,000 | 297 |
| Average total loans | $1,225,644,667 | 558 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9828% | 4,123 |
| Cost of funding earning assets | 0.0956% | 4,680 |
| Net interest margin | 2.8871% | 3,558 |
| Noninterest income to average assets | 0.8766% | 1,391 |
| Noninterest expense to average assets | 1.9562% | 3,842 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2788% | 1,894 |
| Return on assets (ROA) | 1.2777% | 1,972 |
| Pretax return on assets | 1.6724% | 1,554 |
| Return on Equity (ROE) | 7.5941% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.5941% | 2,387 |
| Net charge-offs to loans | -2.8914% | 4,933 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1894% | 3,888 |
| Assets per employee ($millions) | 7.2498% | 1,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7192% | 84 |
| Loan loss allowance to noncurrent loans | 670.6272% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 2,800 |
| Noncurrent loans to loans | 0.5546% | 2,195 |
| Net loans and leases to total assets | 45.6864% | 3,986 |
| Net loans and leases to deposits | 57.5984% | 3,669 |
| Net loans and leases to core deposits | 58.1423% | 3,822 |
| Total domestic deposits to total assets | 79.3189% | 4,293 |
| Equity capital to assets | 16.5445% | 348 |
| Core capital (leverage) ratio | 16.4813% | 347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,530,771,500 | 427 |
| Average earning assets | $2,413,596,500 | 411 |
| Average equity | $425,802,500 | 297 |
| Average total loans | $1,249,504,000 | 552 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6096% | 3,789 |
| Cost of funding earning assets | 0.2031% | 4,574 |
| Net interest margin | 3.4065% | 2,758 |
| Noninterest income to average assets | 0.8174% | 1,483 |
| Noninterest expense to average assets | 2.3939% | 3,148 |
| Loan and lease loss provision to assets | 0.7811% | 164 |
| Net operating income to assets | 0.6269% | 3,661 |
| Return on assets (ROA) | 0.6600% | 3,683 |
| Pretax return on assets | 0.9087% | 3,341 |
| Return on Equity (ROE) | 3.5336% | 4,262 |
| Retained earnings to average equity (ytd only) | -3.6973% | 4,804 |
| Net charge-offs to loans | 0.9056% | 152 |
| Credit loss provision to net charge-offs | 146.3538% | 2,446 |
| Earnings coverage of net charge-offs (x) | 3.0876% | 3,114 |
| Efficiency ratio | 48.3818% | 4,618 |
| Assets per employee ($millions) | 6.8148% | 1,700 |
| Cash dividends to net income (ytd only)* | 204.6317% | 53 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8656% | 163 |
| Loan loss allowance to noncurrent loans | 510.0852% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 2,820 |
| Noncurrent loans to loans | 0.5618% | 2,296 |
| Net loans and leases to total assets | 49.8993% | 3,834 |
| Net loans and leases to deposits | 62.7534% | 3,543 |
| Net loans and leases to core deposits | 63.3228% | 3,748 |
| Total domestic deposits to total assets | 79.5165% | 4,134 |
| Equity capital to assets | 17.1169% | 325 |
| Core capital (leverage) ratio | 17.0742% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,227,711,800 | 435 |
| Average earning assets | $2,108,567,800 | 422 |
| Average equity | $416,088,200 | 290 |
| Average total loans | $1,312,802,400 | 505 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8939% | 3,269 |
| Cost of funding earning assets | 0.2387% | 4,540 |
| Net interest margin | 3.6552% | 2,086 |
| Noninterest income to average assets | 0.7943% | 1,518 |
| Noninterest expense to average assets | 2.1209% | 3,895 |
| Loan and lease loss provision to assets | 0.9671% | 156 |
| Net operating income to assets | 0.8967% | 2,724 |
| Return on assets (ROA) | 0.9422% | 2,683 |
| Pretax return on assets | 1.2177% | 2,334 |
| Return on Equity (ROE) | 4.9263% | 3,915 |
| Retained earnings to average equity (ytd only) | -4.7643% | 4,838 |
| Net charge-offs to loans | 1.2919% | 98 |
| Credit loss provision to net charge-offs | 122.5222% | 2,487 |
| Earnings coverage of net charge-offs (x) | 2.6951% | 2,968 |
| Efficiency ratio | 47.1812% | 4,654 |
| Assets per employee ($millions) | 6.5565% | 1,787 |
| Cash dividends to net income (ytd only)* | 196.7113% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4723% | 239 |
| Loan loss allowance to noncurrent loans | 389.2500% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 2,650 |
| Noncurrent loans to loans | 0.6351% | 2,206 |
| Net loans and leases to total assets | 56.6446% | 3,556 |
| Net loans and leases to deposits | 73.0612% | 3,027 |
| Net loans and leases to core deposits | 73.8175% | 3,330 |
| Total domestic deposits to total assets | 77.5304% | 4,262 |
| Equity capital to assets | 18.0088% | 301 |
| Core capital (leverage) ratio | 17.1182% | 330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1920% | 395 |
| Memoranda: | ||
| Average total assets | $2,164,489,500 | 438 |
| Average earning assets | $2,045,298,500 | 428 |
| Average equity | $413,959,750 | 289 |
| Average total loans | $1,322,423,000 | 497 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 2,518 |
| Cost of funding earning assets | 0.2982% | 4,490 |
| Net interest margin | 3.9832% | 1,366 |
| Noninterest income to average assets | 0.7832% | 1,482 |
| Noninterest expense to average assets | 2.3888% | 3,287 |
| Loan and lease loss provision to assets | 0.7384% | 355 |
| Net operating income to assets | 1.0735% | 2,059 |
| Return on assets (ROA) | 1.1440% | 1,955 |
| Pretax return on assets | 1.5026% | 1,451 |
| Return on Equity (ROE) | 5.8534% | 3,565 |
| Retained earnings to average equity (ytd only) | -8.8140% | 4,892 |
| Net charge-offs to loans | 0.4956% | 323 |
| Credit loss provision to net charge-offs | 239.4192% | 1,778 |
| Earnings coverage of net charge-offs (x) | 6.9771% | 2,401 |
| Efficiency ratio | 49.2656% | 4,546 |
| Assets per employee ($millions) | 6.4562% | 1,823 |
| Cash dividends to net income (ytd only)* | 250.5788% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5028% | 218 |
| Loan loss allowance to noncurrent loans | 166.1195% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 1,315 |
| Noncurrent loans to loans | 1.5067% | 1,005 |
| Net loans and leases to total assets | 60.0290% | 3,328 |
| Net loans and leases to deposits | 78.8638% | 2,563 |
| Net loans and leases to core deposits | 79.7311% | 2,973 |
| Total domestic deposits to total assets | 76.1173% | 4,416 |
| Equity capital to assets | 18.2414% | 286 |
| Core capital (leverage) ratio | 17.9513% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1950% | 440 |
| Memoranda: | ||
| Average total assets | $2,099,211,667 | 443 |
| Average earning assets | $1,980,167,000 | 433 |
| Average equity | $410,258,000 | 291 |
| Average total loans | $1,306,268,000 | 495 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 2,928 |
| Cost of funding earning assets | 0.4367% | 4,210 |
| Net interest margin | 3.8621% | 1,789 |
| Noninterest income to average assets | 0.6997% | 1,650 |
| Noninterest expense to average assets | 2.5815% | 3,036 |
| Loan and lease loss provision to assets | 0.4007% | 764 |
| Net operating income to assets | 0.9949% | 2,187 |
| Return on assets (ROA) | 1.1477% | 1,800 |
| Pretax return on assets | 1.5414% | 1,205 |
| Return on Equity (ROE) | 5.6549% | 3,438 |
| Retained earnings to average equity (ytd only) | -24.0483% | 5,002 |
| Net charge-offs to loans | 0.1107% | 1,033 |
| Credit loss provision to net charge-offs | 578.0347% | 814 |
| Earnings coverage of net charge-offs (x) | 25.2254% | 1,289 |
| Efficiency ratio | 53.6137% | 4,424 |
| Assets per employee ($millions) | 5.7710% | 1,872 |
| Cash dividends to net income (ytd only)* | 525.2619% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5019% | 245 |
| Loan loss allowance to noncurrent loans | 580.7255% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 3,343 |
| Noncurrent loans to loans | 0.4308% | 2,960 |
| Net loans and leases to total assets | 60.9242% | 3,408 |
| Net loans and leases to deposits | 78.8239% | 2,795 |
| Net loans and leases to core deposits | 79.8701% | 3,208 |
| Total domestic deposits to total assets | 77.2915% | 4,318 |
| Equity capital to assets | 19.5374% | 270 |
| Core capital (leverage) ratio | 18.5855% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9302% | 499 |
| Memoranda: | ||
| Average total assets | $1,996,385,500 | 450 |
| Average earning assets | $1,876,675,000 | 439 |
| Average equity | $405,167,500 | 293 |
| Average total loans | $1,249,849,500 | 495 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 3,250 |
| Cost of funding earning assets | 0.5326% | 3,962 |
| Net interest margin | 3.8673% | 2,283 |
| Noninterest income to average assets | 0.6557% | 1,984 |
| Noninterest expense to average assets | 2.2210% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5794% | 876 |
| Return on assets (ROA) | 1.6692% | 758 |
| Pretax return on assets | 2.1826% | 396 |
| Return on Equity (ROE) | 8.1883% | 3,084 |
| Retained earnings to average equity (ytd only) | 5.6430% | 2,070 |
| Net charge-offs to loans | 0.0095% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 365.8073% | 243 |
| Efficiency ratio | 51.2561% | 4,654 |
| Assets per employee ($millions) | 5.7167% | 1,864 |
| Cash dividends to net income (ytd only)* | 31.0849% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5964% | 188 |
| Loan loss allowance to noncurrent loans | 388.4254% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 2,704 |
| Noncurrent loans to loans | 0.6684% | 2,214 |
| Net loans and leases to total assets | 61.1064% | 3,492 |
| Net loans and leases to deposits | 82.3879% | 2,510 |
| Net loans and leases to core deposits | 83.2121% | 3,022 |
| Total domestic deposits to total assets | 74.1691% | 4,762 |
| Equity capital to assets | 21.1265% | 206 |
| Core capital (leverage) ratio | 20.5432% | 217 |
| Tier 1 risk-based capital ratio | 24.5818% | 781 |
| Total risk-based capital ratio | 25.8406% | 763 |
| Memoranda: | ||
| Average total assets | $1,927,231,600 | 439 |
| Average earning assets | $1,811,111,800 | 426 |
| Average equity | $392,876,400 | 293 |
| Average total loans | $1,145,751,600 | 512 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 3,272 |
| Cost of funding earning assets | 0.5652% | 3,843 |
| Net interest margin | 3.8623% | 2,394 |
| Noninterest income to average assets | 0.6326% | 2,059 |
| Noninterest expense to average assets | 2.2490% | 4,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5545% | 1,045 |
| Return on assets (ROA) | 1.6740% | 827 |
| Pretax return on assets | 2.1658% | 484 |
| Return on Equity (ROE) | 8.2859% | 3,199 |
| Retained earnings to average equity (ytd only) | 8.2859% | 1,288 |
| Net charge-offs to loans | 0.0045% | 3,243 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 768.5354% | 124 |
| Efficiency ratio | 52.2592% | 4,578 |
| Assets per employee ($millions) | 5.8004% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6501% | 187 |
| Loan loss allowance to noncurrent loans | 361.8044% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 2,741 |
| Noncurrent loans to loans | 0.7325% | 2,134 |
| Net loans and leases to total assets | 58.7543% | 3,801 |
| Net loans and leases to deposits | 77.1408% | 3,184 |
| Net loans and leases to core deposits | 77.8903% | 3,558 |
| Total domestic deposits to total assets | 76.1650% | 4,633 |
| Equity capital to assets | 20.8981% | 222 |
| Core capital (leverage) ratio | 20.7414% | 216 |
| Tier 1 risk-based capital ratio | 25.4421% | 742 |
| Total risk-based capital ratio | 26.7017% | 730 |
| Memoranda: | ||
| Average total assets | $1,933,120,750 | 443 |
| Average earning assets | $1,817,262,000 | 426 |
| Average equity | $390,550,500 | 299 |
| Average total loans | $1,133,620,750 | 517 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4251% | 3,264 |
| Cost of funding earning assets | 0.5871% | 3,717 |
| Net interest margin | 3.8381% | 2,444 |
| Noninterest income to average assets | 0.6035% | 2,133 |
| Noninterest expense to average assets | 2.2817% | 4,049 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5058% | 1,134 |
| Return on assets (ROA) | 1.5935% | 967 |
| Pretax return on assets | 2.0484% | 620 |
| Return on Equity (ROE) | 7.9798% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.9798% | 1,404 |
| Net charge-offs to loans | 0.0018% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 1,869.3000% | 33 |
| Efficiency ratio | 53.6343% | 4,510 |
| Assets per employee ($millions) | 5.7130% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7549% | 164 |
| Loan loss allowance to noncurrent loans | 405.9906% | 1,198 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 2,865 |
| Noncurrent loans to loans | 0.6786% | 2,277 |
| Net loans and leases to total assets | 58.4198% | 3,871 |
| Net loans and leases to deposits | 77.2093% | 3,226 |
| Net loans and leases to core deposits | 78.1076% | 3,571 |
| Total domestic deposits to total assets | 75.6642% | 4,706 |
| Equity capital to assets | 21.1102% | 205 |
| Core capital (leverage) ratio | 20.0979% | 236 |
| Tier 1 risk-based capital ratio | 25.8052% | 699 |
| Total risk-based capital ratio | 27.0657% | 683 |
| Memoranda: | ||
| Average total assets | $1,929,785,000 | 441 |
| Average earning assets | $1,817,883,000 | 428 |
| Average equity | $385,375,330 | 302 |
| Average total loans | $1,120,577,670 | 519 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3466% | 3,414 |
| Cost of funding earning assets | 0.6059% | 3,540 |
| Net interest margin | 3.7407% | 2,743 |
| Noninterest income to average assets | 0.5883% | 2,103 |
| Noninterest expense to average assets | 2.1350% | 4,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5399% | 1,032 |
| Return on assets (ROA) | 1.5473% | 1,043 |
| Pretax return on assets | 1.9823% | 663 |
| Return on Equity (ROE) | 7.9669% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.9669% | 1,677 |
| Net charge-offs to loans | 0.0025% | 2,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1,377.4286% | 34 |
| Efficiency ratio | 51.6736% | 4,718 |
| Assets per employee ($millions) | 6.0072% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7662% | 172 |
| Loan loss allowance to noncurrent loans | 394.7970% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.4046% | 2,967 |
| Noncurrent loans to loans | 0.7007% | 2,272 |
| Net loans and leases to total assets | 55.6690% | 4,090 |
| Net loans and leases to deposits | 72.0979% | 3,597 |
| Net loans and leases to core deposits | 72.8909% | 3,876 |
| Total domestic deposits to total assets | 77.2130% | 4,630 |
| Equity capital to assets | 19.6360% | 257 |
| Core capital (leverage) ratio | 19.2403% | 265 |
| Tier 1 risk-based capital ratio | 25.4909% | 727 |
| Total risk-based capital ratio | 26.7517% | 703 |
| Memoranda: | ||
| Average total assets | $1,954,890,500 | 438 |
| Average earning assets | $1,839,313,500 | 429 |
| Average equity | $379,672,500 | 306 |
| Average total loans | $1,116,291,000 | 524 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2962% | 3,128 |
| Cost of funding earning assets | 0.3736% | 4,136 |
| Net interest margin | 3.9226% | 2,252 |
| Noninterest income to average assets | 0.6241% | 2,174 |
| Noninterest expense to average assets | 2.0486% | 4,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.7630% | 597 |
| Return on assets (ROA) | 1.7638% | 596 |
| Pretax return on assets | 2.2651% | 312 |
| Return on Equity (ROE) | 9.1403% | 2,926 |
| Retained earnings to average equity (ytd only) | 6.3971% | 1,973 |
| Net charge-offs to loans | -0.1367% | 5,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3486% | 5,072 |
| Assets per employee ($millions) | 6.1760% | 1,401 |
| Cash dividends to net income (ytd only)* | 30.0129% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8085% | 161 |
| Loan loss allowance to noncurrent loans | 393.8362% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 2,921 |
| Noncurrent loans to loans | 0.7131% | 2,204 |
| Net loans and leases to total assets | 55.3513% | 4,173 |
| Net loans and leases to deposits | 71.8890% | 3,681 |
| Net loans and leases to core deposits | 72.7266% | 3,942 |
| Total domestic deposits to total assets | 76.9956% | 4,634 |
| Equity capital to assets | 19.2052% | 263 |
| Core capital (leverage) ratio | 19.3644% | 252 |
| Tier 1 risk-based capital ratio | 25.2376% | 725 |
| Total risk-based capital ratio | 26.4984% | 712 |
| Memoranda: | ||
| Average total assets | $1,889,031,600 | 436 |
| Average earning assets | $1,776,279,800 | 422 |
| Average equity | $364,526,800 | 308 |
| Average total loans | $1,131,254,200 | 505 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 3,034 |
| Cost of funding earning assets | 0.3436% | 4,228 |
| Net interest margin | 3.9366% | 2,171 |
| Noninterest income to average assets | 0.6218% | 2,198 |
| Noninterest expense to average assets | 2.1321% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.7159% | 715 |
| Return on assets (ROA) | 1.7171% | 719 |
| Pretax return on assets | 2.1976% | 398 |
| Return on Equity (ROE) | 8.8871% | 3,138 |
| Retained earnings to average equity (ytd only) | 8.8871% | 1,266 |
| Net charge-offs to loans | -0.1803% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1071% | 4,993 |
| Assets per employee ($millions) | 5.8215% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7891% | 173 |
| Loan loss allowance to noncurrent loans | 383.3518% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 2,936 |
| Noncurrent loans to loans | 0.7276% | 2,261 |
| Net loans and leases to total assets | 58.2043% | 4,019 |
| Net loans and leases to deposits | 75.9076% | 3,425 |
| Net loans and leases to core deposits | 76.8967% | 3,749 |
| Total domestic deposits to total assets | 76.6777% | 4,693 |
| Equity capital to assets | 19.9286% | 233 |
| Core capital (leverage) ratio | 20.1712% | 229 |
| Tier 1 risk-based capital ratio | 25.6625% | 702 |
| Total risk-based capital ratio | 26.9237% | 686 |
| Memoranda: | ||
| Average total assets | $1,874,931,250 | 433 |
| Average earning assets | $1,765,388,750 | 423 |
| Average equity | $362,252,250 | 306 |
| Average total loans | $1,137,082,750 | 503 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,949 |
| Cost of funding earning assets | 0.3297% | 4,206 |
| Net interest margin | 3.9196% | 2,140 |
| Noninterest income to average assets | 0.6249% | 2,205 |
| Noninterest expense to average assets | 2.1311% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7087% | 705 |
| Return on assets (ROA) | 1.7104% | 707 |
| Pretax return on assets | 2.1823% | 402 |
| Return on Equity (ROE) | 8.9457% | 3,046 |
| Retained earnings to average equity (ytd only) | 8.9457% | 1,236 |
| Net charge-offs to loans | -0.2548% | 5,362 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2778% | 5,064 |
| Assets per employee ($millions) | 5.5792% | 1,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7463% | 192 |
| Loan loss allowance to noncurrent loans | 421.7616% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 3,117 |
| Noncurrent loans to loans | 0.6512% | 2,482 |
| Net loans and leases to total assets | 60.2286% | 3,783 |
| Net loans and leases to deposits | 78.5464% | 3,105 |
| Net loans and leases to core deposits | 79.8828% | 3,428 |
| Total domestic deposits to total assets | 76.6790% | 4,771 |
| Equity capital to assets | 20.0440% | 227 |
| Core capital (leverage) ratio | 19.5019% | 244 |
| Tier 1 risk-based capital ratio | 24.6609% | 768 |
| Total risk-based capital ratio | 25.9216% | 742 |
| Memoranda: | ||
| Average total assets | $1,878,952,000 | 432 |
| Average earning assets | $1,767,097,000 | 420 |
| Average equity | $359,255,000 | 303 |
| Average total loans | $1,144,317,670 | 499 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1252% | 3,144 |
| Cost of funding earning assets | 0.3083% | 4,284 |
| Net interest margin | 3.8169% | 2,348 |
| Noninterest income to average assets | 0.6293% | 2,134 |
| Noninterest expense to average assets | 2.1129% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6548% | 757 |
| Return on assets (ROA) | 1.6548% | 761 |
| Pretax return on assets | 2.1047% | 459 |
| Return on Equity (ROE) | 8.8596% | 2,976 |
| Retained earnings to average equity (ytd only) | 8.8596% | 1,513 |
| Net charge-offs to loans | 0.0229% | 2,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 151.9697% | 429 |
| Efficiency ratio | 49.9428% | 5,089 |
| Assets per employee ($millions) | 5.8912% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5418% | 243 |
| Loan loss allowance to noncurrent loans | 794.4265% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 3,920 |
| Noncurrent loans to loans | 0.3199% | 3,619 |
| Net loans and leases to total assets | 59.0875% | 3,843 |
| Net loans and leases to deposits | 76.3857% | 3,169 |
| Net loans and leases to core deposits | 77.7332% | 3,517 |
| Total domestic deposits to total assets | 77.3541% | 4,823 |
| Equity capital to assets | 18.6986% | 267 |
| Core capital (leverage) ratio | 18.5602% | 284 |
| Tier 1 risk-based capital ratio | 23.3839% | 907 |
| Total risk-based capital ratio | 24.6426% | 881 |
| Memoranda: | ||
| Average total assets | $1,906,232,000 | 433 |
| Average earning assets | $1,792,017,000 | 424 |
| Average equity | $356,041,500 | 307 |
| Average total loans | $1,151,559,000 | 501 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,011 |
| Cost of funding earning assets | 0.2369% | 4,670 |
| Net interest margin | 3.5733% | 3,254 |
| Noninterest income to average assets | 0.6013% | 2,441 |
| Noninterest expense to average assets | 2.0481% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0947% | 1,873 |
| Return on assets (ROA) | 1.0911% | 1,908 |
| Pretax return on assets | 1.9052% | 597 |
| Return on Equity (ROE) | 5.9752% | 3,770 |
| Retained earnings to average equity (ytd only) | 4.5445% | 2,428 |
| Net charge-offs to loans | 0.0843% | 2,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 39.4509% | 1,273 |
| Efficiency ratio | 51.5573% | 5,134 |
| Assets per employee ($millions) | 5.8575% | 1,619 |
| Cash dividends to net income (ytd only)* | 23.9441% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5887% | 222 |
| Loan loss allowance to noncurrent loans | 819.1413% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 3,987 |
| Noncurrent loans to loans | 0.3160% | 3,648 |
| Net loans and leases to total assets | 58.6318% | 3,957 |
| Net loans and leases to deposits | 75.1036% | 3,420 |
| Net loans and leases to core deposits | 76.4698% | 3,704 |
| Total domestic deposits to total assets | 78.0680% | 4,707 |
| Equity capital to assets | 18.6567% | 269 |
| Core capital (leverage) ratio | 18.4529% | 266 |
| Tier 1 risk-based capital ratio | 22.9422% | 915 |
| Total risk-based capital ratio | 24.2010% | 901 |
| Memoranda: | ||
| Average total assets | $1,913,874,200 | 426 |
| Average earning assets | $1,798,380,400 | 413 |
| Average equity | $349,477,200 | 292 |
| Average total loans | $1,099,807,800 | 493 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7920% | 4,036 |
| Cost of funding earning assets | 0.2247% | 4,776 |
| Net interest margin | 3.5673% | 3,267 |
| Noninterest income to average assets | 0.6001% | 2,489 |
| Noninterest expense to average assets | 2.0640% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3542% | 1,192 |
| Return on assets (ROA) | 1.3554% | 1,211 |
| Pretax return on assets | 1.8960% | 693 |
| Return on Equity (ROE) | 7.4629% | 3,410 |
| Retained earnings to average equity (ytd only) | 7.4629% | 1,451 |
| Net charge-offs to loans | -0.0360% | 5,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9662% | 5,101 |
| Assets per employee ($millions) | 5.9113% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7973% | 185 |
| Loan loss allowance to noncurrent loans | 618.6860% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 3,871 |
| Noncurrent loans to loans | 0.4521% | 3,347 |
| Net loans and leases to total assets | 56.2129% | 4,215 |
| Net loans and leases to deposits | 72.3737% | 3,731 |
| Net loans and leases to core deposits | 73.8691% | 3,984 |
| Total domestic deposits to total assets | 77.6704% | 4,772 |
| Equity capital to assets | 18.8934% | 276 |
| Core capital (leverage) ratio | 19.1681% | 243 |
| Tier 1 risk-based capital ratio | 23.9684% | 855 |
| Total risk-based capital ratio | 25.2290% | 833 |
| Memoranda: | ||
| Average total assets | $1,917,883,750 | 428 |
| Average earning assets | $1,805,428,500 | 415 |
| Average equity | $348,328,000 | 294 |
| Average total loans | $1,089,183,000 | 499 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7258% | 4,144 |
| Cost of funding earning assets | 0.2223% | 4,784 |
| Net interest margin | 3.5034% | 3,387 |
| Noninterest income to average assets | 0.5977% | 2,471 |
| Noninterest expense to average assets | 2.0586% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3187% | 1,256 |
| Return on assets (ROA) | 1.3184% | 1,282 |
| Pretax return on assets | 1.8431% | 758 |
| Return on Equity (ROE) | 7.3566% | 3,364 |
| Retained earnings to average equity (ytd only) | 7.3566% | 1,423 |
| Net charge-offs to loans | -0.0562% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5750% | 5,130 |
| Assets per employee ($millions) | 5.6072% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7735% | 206 |
| Loan loss allowance to noncurrent loans | 603.8620% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 3,821 |
| Noncurrent loans to loans | 0.4593% | 3,368 |
| Net loans and leases to total assets | 59.0733% | 3,914 |
| Net loans and leases to deposits | 76.4598% | 3,290 |
| Net loans and leases to core deposits | 78.1345% | 3,583 |
| Total domestic deposits to total assets | 77.2606% | 4,922 |
| Equity capital to assets | 19.3165% | 252 |
| Core capital (leverage) ratio | 18.5774% | 266 |
| Tier 1 risk-based capital ratio | 23.2860% | 912 |
| Total risk-based capital ratio | 24.5463% | 900 |
| Memoranda: | ||
| Average total assets | $1,922,698,000 | 424 |
| Average earning assets | $1,813,534,670 | 415 |
| Average equity | $344,562,330 | 300 |
| Average total loans | $1,085,320,000 | 497 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 4,395 |
| Cost of funding earning assets | 0.2247% | 4,757 |
| Net interest margin | 3.3837% | 3,700 |
| Noninterest income to average assets | 0.5734% | 2,547 |
| Noninterest expense to average assets | 1.9916% | 5,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2648% | 1,335 |
| Return on assets (ROA) | 1.2643% | 1,375 |
| Pretax return on assets | 1.7790% | 836 |
| Return on Equity (ROE) | 7.3195% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.3195% | 1,738 |
| Net charge-offs to loans | -0.0548% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6273% | 5,238 |
| Assets per employee ($millions) | 6.1282% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9243% | 192 |
| Loan loss allowance to noncurrent loans | 385.7143% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 3,491 |
| Noncurrent loans to loans | 0.7582% | 2,586 |
| Net loans and leases to total assets | 52.3663% | 4,482 |
| Net loans and leases to deposits | 66.4064% | 4,139 |
| Net loans and leases to core deposits | 67.7258% | 4,313 |
| Total domestic deposits to total assets | 78.8573% | 4,850 |
| Equity capital to assets | 17.7143% | 322 |
| Core capital (leverage) ratio | 17.2211% | 349 |
| Tier 1 risk-based capital ratio | 23.5038% | 914 |
| Total risk-based capital ratio | 24.7647% | 902 |
| Memoranda: | ||
| Average total assets | $1,970,069,500 | 419 |
| Average earning assets | $1,861,873,000 | 406 |
| Average equity | $340,295,000 | 302 |
| Average total loans | $1,072,662,000 | 502 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 4,138 |
| Cost of funding earning assets | 0.2059% | 4,960 |
| Net interest margin | 3.5198% | 3,361 |
| Noninterest income to average assets | 0.7426% | 1,985 |
| Noninterest expense to average assets | 2.1279% | 4,947 |
| Loan and lease loss provision to assets | 0.0260% | 3,829 |
| Net operating income to assets | 1.3403% | 1,116 |
| Return on assets (ROA) | 1.3407% | 1,174 |
| Pretax return on assets | 1.9119% | 606 |
| Return on Equity (ROE) | 7.6602% | 3,138 |
| Retained earnings to average equity (ytd only) | 6.1589% | 1,624 |
| Net charge-offs to loans | 0.1377% | 1,875 |
| Credit loss provision to net charge-offs | 32.8904% | 3,561 |
| Earnings coverage of net charge-offs (x) | 24.4963% | 1,634 |
| Efficiency ratio | 47.6105% | 5,589 |
| Assets per employee ($millions) | 6.4022% | 1,202 |
| Cash dividends to net income (ytd only)* | 19.5994% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7791% | 230 |
| Loan loss allowance to noncurrent loans | 497.4392% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 3,871 |
| Noncurrent loans to loans | 0.5587% | 3,169 |
| Net loans and leases to total assets | 53.4114% | 4,489 |
| Net loans and leases to deposits | 66.8170% | 4,183 |
| Net loans and leases to core deposits | 68.2412% | 4,382 |
| Total domestic deposits to total assets | 79.9369% | 4,589 |
| Equity capital to assets | 16.8443% | 406 |
| Core capital (leverage) ratio | 16.4092% | 411 |
| Tier 1 risk-based capital ratio | 22.5299% | 1,009 |
| Total risk-based capital ratio | 23.7900% | 994 |
| Memoranda: | ||
| Average total assets | $1,902,879,800 | 412 |
| Average earning assets | $1,796,402,200 | 399 |
| Average equity | $333,032,800 | 295 |
| Average total loans | $1,093,240,400 | 471 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 3,906 |
| Cost of funding earning assets | 0.2048% | 5,019 |
| Net interest margin | 3.5994% | 3,079 |
| Noninterest income to average assets | 0.8033% | 1,752 |
| Noninterest expense to average assets | 2.2548% | 4,639 |
| Loan and lease loss provision to assets | 0.0351% | 3,537 |
| Net operating income to assets | 1.3417% | 1,185 |
| Return on assets (ROA) | 1.3422% | 1,261 |
| Pretax return on assets | 1.9083% | 695 |
| Return on Equity (ROE) | 7.5934% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.5934% | 1,360 |
| Net charge-offs to loans | 0.0692% | 2,331 |
| Credit loss provision to net charge-offs | 87.3016% | 2,576 |
| Earnings coverage of net charge-offs (x) | 48.2911% | 1,104 |
| Efficiency ratio | 47.5947% | 5,608 |
| Assets per employee ($millions) | 6.5114% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8489% | 228 |
| Loan loss allowance to noncurrent loans | 399.7965% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 3,662 |
| Noncurrent loans to loans | 0.7126% | 2,900 |
| Net loans and leases to total assets | 52.9366% | 4,577 |
| Net loans and leases to deposits | 66.3639% | 4,310 |
| Net loans and leases to core deposits | 68.2980% | 4,441 |
| Total domestic deposits to total assets | 79.7672% | 4,565 |
| Equity capital to assets | 16.8915% | 443 |
| Core capital (leverage) ratio | 17.4278% | 334 |
| Tier 1 risk-based capital ratio | 22.4138% | 1,074 |
| Total risk-based capital ratio | 23.6747% | 1,054 |
| Memoranda: | ||
| Average total assets | $1,879,224,500 | 413 |
| Average earning assets | $1,772,124,500 | 401 |
| Average equity | $332,174,750 | 295 |
| Average total loans | $1,092,202,500 | 470 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9262% | 3,516 |
| Cost of funding earning assets | 0.1690% | 5,421 |
| Net interest margin | 3.7572% | 2,489 |
| Noninterest income to average assets | 0.6265% | 2,480 |
| Noninterest expense to average assets | 1.9122% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6273% | 675 |
| Return on assets (ROA) | 1.6273% | 720 |
| Pretax return on assets | 2.3008% | 303 |
| Return on Equity (ROE) | 8.1641% | 2,902 |
| Retained earnings to average equity (ytd only) | 8.1641% | 1,117 |
| Net charge-offs to loans | 0.1410% | 1,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 29.4026% | 1,403 |
| Efficiency ratio | 45.3878% | 5,779 |
| Assets per employee ($millions) | 5.6160% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9023% | 221 |
| Loan loss allowance to noncurrent loans | 287.1778% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.6409% | 3,076 |
| Noncurrent loans to loans | 1.0106% | 2,266 |
| Net loans and leases to total assets | 54.4810% | 4,462 |
| Net loans and leases to deposits | 72.1496% | 3,772 |
| Net loans and leases to core deposits | 73.9899% | 3,982 |
| Total domestic deposits to total assets | 75.5111% | 5,351 |
| Equity capital to assets | 20.7914% | 195 |
| Core capital (leverage) ratio | 19.8650% | 200 |
| Tier 1 risk-based capital ratio | 25.7618% | 738 |
| Total risk-based capital ratio | 27.0224% | 721 |
| Memoranda: | ||
| Average total assets | $1,364,802,330 | 546 |
| Average earning assets | $1,302,836,330 | 529 |
| Average equity | $272,045,670 | 338 |
| Average total loans | $757,421,670 | 656 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 4,023 |
| Cost of funding earning assets | 0.1736% | 5,437 |
| Net interest margin | 3.6052% | 3,062 |
| Noninterest income to average assets | 0.6245% | 2,389 |
| Noninterest expense to average assets | 1.8499% | 5,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5755% | 740 |
| Return on assets (ROA) | 1.5755% | 777 |
| Pretax return on assets | 2.2157% | 369 |
| Return on Equity (ROE) | 8.0746% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.0746% | 1,425 |
| Net charge-offs to loans | 0.2485% | 831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 16.1507% | 1,634 |
| Efficiency ratio | 45.5008% | 5,830 |
| Assets per employee ($millions) | 5.9802% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9236% | 238 |
| Loan loss allowance to noncurrent loans | 540.8354% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 4,093 |
| Noncurrent loans to loans | 0.5406% | 3,568 |
| Net loans and leases to total assets | 52.9082% | 4,544 |
| Net loans and leases to deposits | 69.1516% | 3,939 |
| Net loans and leases to core deposits | 70.9175% | 4,165 |
| Total domestic deposits to total assets | 76.5104% | 5,363 |
| Equity capital to assets | 19.6324% | 227 |
| Core capital (leverage) ratio | 19.0812% | 231 |
| Tier 1 risk-based capital ratio | 25.4997% | 773 |
| Total risk-based capital ratio | 26.7607% | 760 |
| Memoranda: | ||
| Average total assets | $1,373,282,000 | 543 |
| Average earning assets | $1,310,757,000 | 526 |
| Average equity | $267,951,000 | 338 |
| Average total loans | $757,999,000 | 656 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 4,252 |
| Cost of funding earning assets | 0.1586% | 5,626 |
| Net interest margin | 3.5765% | 3,221 |
| Noninterest income to average assets | 0.7129% | 2,142 |
| Noninterest expense to average assets | 1.9079% | 5,605 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.5700% | 749 |
| Return on assets (ROA) | 1.5707% | 770 |
| Pretax return on assets | 2.2095% | 339 |
| Return on Equity (ROE) | 8.2701% | 2,811 |
| Retained earnings to average equity (ytd only) | 6.3285% | 1,639 |
| Net charge-offs to loans | -0.0595% | 5,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3502% | 5,910 |
| Assets per employee ($millions) | 5.7359% | 1,590 |
| Cash dividends to net income (ytd only)* | 23.4775% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8807% | 258 |
| Loan loss allowance to noncurrent loans | 577.7398% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.3573% | 4,158 |
| Noncurrent loans to loans | 0.4986% | 3,694 |
| Net loans and leases to total assets | 54.2887% | 4,477 |
| Net loans and leases to deposits | 70.9234% | 3,822 |
| Net loans and leases to core deposits | 72.7767% | 4,064 |
| Total domestic deposits to total assets | 76.5456% | 5,384 |
| Equity capital to assets | 19.3896% | 237 |
| Core capital (leverage) ratio | 19.1350% | 235 |
| Tier 1 risk-based capital ratio | 24.6152% | 848 |
| Total risk-based capital ratio | 25.8758% | 836 |
| Memoranda: | ||
| Average total assets | $1,355,859,800 | 529 |
| Average earning assets | $1,290,271,800 | 508 |
| Average equity | $257,516,800 | 338 |
| Average total loans | $748,097,400 | 627 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7657% | 4,197 |
| Cost of funding earning assets | 0.1634% | 5,676 |
| Net interest margin | 3.6023% | 3,152 |
| Noninterest income to average assets | 0.7334% | 2,091 |
| Noninterest expense to average assets | 1.8985% | 5,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6032% | 765 |
| Return on assets (ROA) | 1.6042% | 792 |
| Pretax return on assets | 2.2649% | 362 |
| Return on Equity (ROE) | 8.4913% | 2,828 |
| Retained earnings to average equity (ytd only) | 8.4913% | 1,060 |
| Net charge-offs to loans | -0.0892% | 5,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6155% | 5,977 |
| Assets per employee ($millions) | 5.6774% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8855% | 279 |
| Loan loss allowance to noncurrent loans | 540.4955% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 4,205 |
| Noncurrent loans to loans | 0.5339% | 3,740 |
| Net loans and leases to total assets | 54.8865% | 4,473 |
| Net loans and leases to deposits | 72.2364% | 3,739 |
| Net loans and leases to core deposits | 75.5923% | 3,845 |
| Total domestic deposits to total assets | 75.9817% | 5,485 |
| Equity capital to assets | 19.5396% | 253 |
| Core capital (leverage) ratio | 19.0899% | 237 |
| Tier 1 risk-based capital ratio | 24.7815% | 876 |
| Total risk-based capital ratio | 26.0423% | 865 |
| Memoranda: | ||
| Average total assets | $1,353,538,750 | 529 |
| Average earning assets | $1,288,246,000 | 507 |
| Average equity | $255,722,000 | 346 |
| Average total loans | $744,346,250 | 632 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7818% | 4,124 |
| Cost of funding earning assets | 0.1673% | 5,718 |
| Net interest margin | 3.6145% | 3,032 |
| Noninterest income to average assets | 0.7322% | 2,076 |
| Noninterest expense to average assets | 1.9031% | 5,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5981% | 745 |
| Return on assets (ROA) | 1.5996% | 768 |
| Pretax return on assets | 2.2696% | 362 |
| Return on Equity (ROE) | 8.5644% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.5644% | 1,056 |
| Net charge-offs to loans | -0.0119% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6322% | 6,055 |
| Assets per employee ($millions) | 5.3530% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9260% | 291 |
| Loan loss allowance to noncurrent loans | 580.7858% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 4,321 |
| Noncurrent loans to loans | 0.5038% | 3,951 |
| Net loans and leases to total assets | 54.5946% | 4,491 |
| Net loans and leases to deposits | 71.2548% | 3,791 |
| Net loans and leases to core deposits | 74.2659% | 3,939 |
| Total domestic deposits to total assets | 76.6188% | 5,519 |
| Equity capital to assets | 19.5731% | 240 |
| Core capital (leverage) ratio | 18.8641% | 242 |
| Tier 1 risk-based capital ratio | 25.1007% | 854 |
| Total risk-based capital ratio | 26.3619% | 839 |
| Memoranda: | ||
| Average total assets | $1,354,311,670 | 525 |
| Average earning assets | $1,288,319,000 | 502 |
| Average equity | $252,955,000 | 352 |
| Average total loans | $737,904,000 | 635 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7535% | 4,185 |
| Cost of funding earning assets | 0.1735% | 5,738 |
| Net interest margin | 3.5800% | 3,080 |
| Noninterest income to average assets | 0.6650% | 2,337 |
| Noninterest expense to average assets | 1.8233% | 5,868 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5859% | 727 |
| Return on assets (ROA) | 1.5890% | 760 |
| Pretax return on assets | 2.2534% | 354 |
| Return on Equity (ROE) | 8.7063% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.7063% | 1,307 |
| Net charge-offs to loans | -0.0125% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7737% | 6,150 |
| Assets per employee ($millions) | 5.7974% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9021% | 326 |
| Loan loss allowance to noncurrent loans | 399.2039% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 3,611 |
| Noncurrent loans to loans | 0.7270% | 3,440 |
| Net loans and leases to total assets | 52.5030% | 4,613 |
| Net loans and leases to deposits | 67.7437% | 3,983 |
| Net loans and leases to core deposits | 70.8095% | 4,077 |
| Total domestic deposits to total assets | 77.5025% | 5,533 |
| Equity capital to assets | 18.5072% | 291 |
| Core capital (leverage) ratio | 17.7908% | 300 |
| Tier 1 risk-based capital ratio | 24.2900% | 966 |
| Total risk-based capital ratio | 25.5508% | 945 |
| Memoranda: | ||
| Average total assets | $1,375,725,000 | 521 |
| Average earning assets | $1,309,385,000 | 497 |
| Average equity | $251,083,500 | 352 |
| Average total loans | $738,065,000 | 629 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7701% | 4,580 |
| Cost of funding earning assets | 0.2092% | 5,672 |
| Net interest margin | 3.5609% | 3,553 |
| Noninterest income to average assets | 0.8288% | 1,761 |
| Noninterest expense to average assets | 1.9164% | 5,904 |
| Loan and lease loss provision to assets | 0.0596% | 3,338 |
| Net operating income to assets | 1.5655% | 766 |
| Return on assets (ROA) | 1.5596% | 808 |
| Pretax return on assets | 2.2034% | 315 |
| Return on Equity (ROE) | 8.7856% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.6877% | 1,551 |
| Net charge-offs to loans | -1.1360% | 6,450 |
| Credit loss provision to net charge-offs | -9.9838% | 5,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7624% | 6,274 |
| Assets per employee ($millions) | 5.6686% | 1,631 |
| Cash dividends to net income (ytd only)* | 23.8789% | 3,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9376% | 317 |
| Loan loss allowance to noncurrent loans | 375.3573% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6811% | 3,534 |
| Noncurrent loans to loans | 0.7826% | 3,347 |
| Net loans and leases to total assets | 51.6635% | 4,813 |
| Net loans and leases to deposits | 66.8485% | 4,230 |
| Net loans and leases to core deposits | 68.9557% | 4,410 |
| Total domestic deposits to total assets | 77.2845% | 5,557 |
| Equity capital to assets | 17.9954% | 314 |
| Core capital (leverage) ratio | 18.0424% | 285 |
| Tier 1 risk-based capital ratio | 24.8489% | 848 |
| Total risk-based capital ratio | 26.1110% | 835 |
| Memoranda: | ||
| Average total assets | $1,342,579,800 | 509 |
| Average earning assets | $1,266,425,200 | 493 |
| Average equity | $238,332,400 | 346 |
| Average total loans | $705,386,600 | 617 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 4,584 |
| Cost of funding earning assets | 0.2181% | 5,684 |
| Net interest margin | 3.5699% | 3,552 |
| Noninterest income to average assets | 0.8964% | 1,533 |
| Noninterest expense to average assets | 1.8559% | 6,017 |
| Loan and lease loss provision to assets | 0.1799% | 1,363 |
| Net operating income to assets | 1.5759% | 799 |
| Return on assets (ROA) | 1.5671% | 847 |
| Pretax return on assets | 2.2127% | 357 |
| Return on Equity (ROE) | 8.8595% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.8595% | 1,043 |
| Net charge-offs to loans | -1.6060% | 6,533 |
| Credit loss provision to net charge-offs | -21.3955% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5569% | 6,375 |
| Assets per employee ($millions) | 5.4106% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6217% | 211 |
| Loan loss allowance to noncurrent loans | 335.3252% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 3,387 |
| Noncurrent loans to loans | 1.0801% | 2,914 |
| Net loans and leases to total assets | 51.6390% | 4,842 |
| Net loans and leases to deposits | 68.1809% | 4,106 |
| Net loans and leases to core deposits | 70.2995% | 4,296 |
| Total domestic deposits to total assets | 75.7382% | 5,851 |
| Equity capital to assets | 18.4030% | 311 |
| Core capital (leverage) ratio | 18.0272% | 298 |
| Tier 1 risk-based capital ratio | 25.4905% | 833 |
| Total risk-based capital ratio | 26.7592% | 820 |
| Memoranda: | ||
| Average total assets | $1,333,855,250 | 514 |
| Average earning assets | $1,257,114,500 | 497 |
| Average equity | $235,944,750 | 347 |
| Average total loans | $698,435,250 | 619 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,534 |
| Cost of funding earning assets | 0.2258% | 5,699 |
| Net interest margin | 3.5721% | 3,477 |
| Noninterest income to average assets | 1.0129% | 1,165 |
| Noninterest expense to average assets | 1.7928% | 6,155 |
| Loan and lease loss provision to assets | 0.2704% | 768 |
| Net operating income to assets | 1.6224% | 671 |
| Return on assets (ROA) | 1.6095% | 718 |
| Pretax return on assets | 2.2850% | 311 |
| Return on Equity (ROE) | 9.2242% | 2,491 |
| Retained earnings to average equity (ytd only) | 9.2242% | 909 |
| Net charge-offs to loans | -0.0200% | 5,543 |
| Credit loss provision to net charge-offs | -2,608.6957% | 5,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0577% | 6,501 |
| Assets per employee ($millions) | 5.1600% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5046% | 703 |
| Loan loss allowance to noncurrent loans | 153.9412% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 2,789 |
| Noncurrent loans to loans | 1.6270% | 2,140 |
| Net loans and leases to total assets | 52.7591% | 4,667 |
| Net loans and leases to deposits | 69.5050% | 3,882 |
| Net loans and leases to core deposits | 71.6979% | 4,078 |
| Total domestic deposits to total assets | 75.9068% | 5,916 |
| Equity capital to assets | 18.4691% | 297 |
| Core capital (leverage) ratio | 17.6659% | 314 |
| Tier 1 risk-based capital ratio | 25.1773% | 851 |
| Total risk-based capital ratio | 26.4353% | 836 |
| Memoranda: | ||
| Average total assets | $1,331,197,670 | 521 |
| Average earning assets | $1,249,787,000 | 501 |
| Average equity | $232,280,670 | 349 |
| Average total loans | $691,599,000 | 621 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7312% | 4,741 |
| Cost of funding earning assets | 0.2333% | 5,728 |
| Net interest margin | 3.4979% | 3,697 |
| Noninterest income to average assets | 0.6253% | 2,595 |
| Noninterest expense to average assets | 1.8136% | 6,205 |
| Loan and lease loss provision to assets | 0.1786% | 1,349 |
| Net operating income to assets | 1.3854% | 1,019 |
| Return on assets (ROA) | 1.3541% | 1,134 |
| Pretax return on assets | 1.8699% | 696 |
| Return on Equity (ROE) | 7.9871% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.9871% | 1,596 |
| Net charge-offs to loans | -0.0737% | 5,982 |
| Credit loss provision to net charge-offs | -476.1905% | 5,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4376% | 6,409 |
| Assets per employee ($millions) | 5.6539% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4695% | 842 |
| Loan loss allowance to noncurrent loans | 150.6143% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.3767% | 2,568 |
| Noncurrent loans to loans | 1.6396% | 2,375 |
| Net loans and leases to total assets | 46.8080% | 5,247 |
| Net loans and leases to deposits | 63.3355% | 4,396 |
| Net loans and leases to core deposits | 65.7461% | 4,510 |
| Total domestic deposits to total assets | 73.9049% | 6,249 |
| Equity capital to assets | 16.5983% | 442 |
| Core capital (leverage) ratio | 16.6888% | 395 |
| Tier 1 risk-based capital ratio | 25.1071% | 878 |
| Total risk-based capital ratio | 26.3641% | 862 |
| Memoranda: | ||
| Average total assets | $1,344,061,500 | 517 |
| Average earning assets | $1,260,404,500 | 497 |
| Average equity | $227,866,500 | 352 |
| Average total loans | $684,174,500 | 629 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 4,969 |
| Cost of funding earning assets | 0.2736% | 5,801 |
| Net interest margin | 3.4787% | 3,989 |
| Noninterest income to average assets | 0.7515% | 2,285 |
| Noninterest expense to average assets | 2.0430% | 5,935 |
| Loan and lease loss provision to assets | 0.2297% | 1,577 |
| Net operating income to assets | 1.2489% | 1,396 |
| Return on assets (ROA) | 1.2494% | 1,449 |
| Pretax return on assets | 1.7423% | 868 |
| Return on Equity (ROE) | 7.2316% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.6539% | 2,185 |
| Net charge-offs to loans | 0.1814% | 3,015 |
| Credit loss provision to net charge-offs | 237.9032% | 966 |
| Earnings coverage of net charge-offs (x) | 20.4145% | 1,551 |
| Efficiency ratio | 50.0660% | 6,395 |
| Assets per employee ($millions) | 5.1665% | 1,994 |
| Cash dividends to net income (ytd only)* | 21.8164% | 3,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2668% | 1,089 |
| Loan loss allowance to noncurrent loans | 133.7701% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 1.5580% | 2,386 |
| Noncurrent loans to loans | 1.6945% | 2,371 |
| Net loans and leases to total assets | 52.8250% | 4,746 |
| Net loans and leases to deposits | 68.5436% | 3,968 |
| Net loans and leases to core deposits | 71.0195% | 4,184 |
| Total domestic deposits to total assets | 77.0677% | 5,958 |
| Equity capital to assets | 17.3377% | 373 |
| Core capital (leverage) ratio | 17.6063% | 323 |
| Tier 1 risk-based capital ratio | 24.1466% | 936 |
| Total risk-based capital ratio | 25.4022% | 925 |
| Memoranda: | ||
| Average total assets | $1,284,090,200 | 515 |
| Average earning assets | $1,204,415,000 | 496 |
| Average equity | $221,846,400 | 345 |
| Average total loans | $683,586,400 | 611 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 5,294 |
| Cost of funding earning assets | 0.2840% | 5,859 |
| Net interest margin | 3.3693% | 4,399 |
| Noninterest income to average assets | 0.7970% | 2,165 |
| Noninterest expense to average assets | 2.0178% | 5,977 |
| Loan and lease loss provision to assets | 0.1664% | 2,178 |
| Net operating income to assets | 1.2588% | 1,456 |
| Return on assets (ROA) | 1.2595% | 1,521 |
| Pretax return on assets | 1.7720% | 957 |
| Return on Equity (ROE) | 7.2965% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.2965% | 1,739 |
| Net charge-offs to loans | 0.1663% | 2,895 |
| Credit loss provision to net charge-offs | 188.6792% | 1,280 |
| Earnings coverage of net charge-offs (x) | 21.9717% | 1,521 |
| Efficiency ratio | 50.1407% | 6,393 |
| Assets per employee ($millions) | 5.0278% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0678% | 1,576 |
| Loan loss allowance to noncurrent loans | 101.8148% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 1.9722% | 2,051 |
| Noncurrent loans to loans | 2.0309% | 2,215 |
| Net loans and leases to total assets | 56.6988% | 4,222 |
| Net loans and leases to deposits | 74.6575% | 3,132 |
| Net loans and leases to core deposits | 78.0921% | 3,352 |
| Total domestic deposits to total assets | 75.9452% | 6,177 |
| Equity capital to assets | 18.0585% | 316 |
| Core capital (leverage) ratio | 18.4698% | 267 |
| Tier 1 risk-based capital ratio | 23.7679% | 1,036 |
| Total risk-based capital ratio | 25.0219% | 1,015 |
| Memoranda: | ||
| Average total assets | $1,282,208,750 | 515 |
| Average earning assets | $1,201,884,250 | 497 |
| Average equity | $221,323,750 | 343 |
| Average total loans | $679,952,750 | 619 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 5,452 |
| Cost of funding earning assets | 0.2966% | 5,854 |
| Net interest margin | 3.2972% | 4,596 |
| Noninterest income to average assets | 0.7795% | 2,278 |
| Noninterest expense to average assets | 1.9786% | 6,083 |
| Loan and lease loss provision to assets | 0.1852% | 2,041 |
| Net operating income to assets | 1.2123% | 1,563 |
| Return on assets (ROA) | 1.2133% | 1,662 |
| Pretax return on assets | 1.7123% | 1,088 |
| Return on Equity (ROE) | 7.1343% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.1343% | 1,830 |
| Net charge-offs to loans | 0.0774% | 3,611 |
| Credit loss provision to net charge-offs | 465.1163% | 590 |
| Earnings coverage of net charge-offs (x) | 47.6124% | 826 |
| Efficiency ratio | 50.1076% | 6,423 |
| Assets per employee ($millions) | 4.8819% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 1,369 |
| Loan loss allowance to noncurrent loans | 93.5101% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 2.5361% | 1,666 |
| Noncurrent loans to loans | 2.3799% | 1,983 |
| Net loans and leases to total assets | 54.2020% | 4,562 |
| Net loans and leases to deposits | 71.8000% | 3,480 |
| Net loans and leases to core deposits | 75.4916% | 3,608 |
| Total domestic deposits to total assets | 75.4903% | 6,309 |
| Equity capital to assets | 18.0167% | 326 |
| Core capital (leverage) ratio | 17.3360% | 337 |
| Tier 1 risk-based capital ratio | 24.8424% | 891 |
| Total risk-based capital ratio | 26.0981% | 874 |
| Memoranda: | ||
| Average total assets | $1,295,657,330 | 510 |
| Average earning assets | $1,216,314,000 | 495 |
| Average equity | $220,344,330 | 346 |
| Average total loans | $666,941,000 | 626 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5008% | 5,704 |
| Cost of funding earning assets | 0.3059% | 5,925 |
| Net interest margin | 3.1949% | 4,950 |
| Noninterest income to average assets | 0.7654% | 2,272 |
| Noninterest expense to average assets | 1.9531% | 6,195 |
| Loan and lease loss provision to assets | 0.1800% | 2,060 |
| Net operating income to assets | 1.1511% | 1,668 |
| Return on assets (ROA) | 1.1530% | 1,767 |
| Pretax return on assets | 1.6396% | 1,218 |
| Return on Equity (ROE) | 6.9692% | 3,506 |
| Retained earnings to average equity (ytd only) | 6.9692% | 2,165 |
| Net charge-offs to loans | 0.0103% | 3,942 |
| Credit loss provision to net charge-offs | 3,529.4118% | 82 |
| Earnings coverage of net charge-offs (x) | 356.2353% | 103 |
| Efficiency ratio | 50.6446% | 6,465 |
| Assets per employee ($millions) | 5.3673% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 1,473 |
| Loan loss allowance to noncurrent loans | 84.8859% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 2.4251% | 1,909 |
| Noncurrent loans to loans | 2.6589% | 1,937 |
| Net loans and leases to total assets | 47.2468% | 5,309 |
| Net loans and leases to deposits | 64.0914% | 4,299 |
| Net loans and leases to core deposits | 67.2722% | 4,378 |
| Total domestic deposits to total assets | 73.7180% | 6,551 |
| Equity capital to assets | 16.4836% | 494 |
| Core capital (leverage) ratio | 16.0628% | 443 |
| Tier 1 risk-based capital ratio | 25.4672% | 844 |
| Total risk-based capital ratio | 26.7233% | 829 |
| Memoranda: | ||
| Average total assets | $1,333,245,000 | 501 |
| Average earning assets | $1,253,878,000 | 486 |
| Average equity | $220,571,000 | 354 |
| Average total loans | $662,120,000 | 634 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 5,579 |
| Cost of funding earning assets | 0.3917% | 5,974 |
| Net interest margin | 3.5066% | 4,476 |
| Noninterest income to average assets | 0.7644% | 2,421 |
| Noninterest expense to average assets | 2.1797% | 5,968 |
| Loan and lease loss provision to assets | 0.4184% | 1,525 |
| Net operating income to assets | 1.0147% | 2,274 |
| Return on assets (ROA) | 1.0169% | 2,486 |
| Pretax return on assets | 1.4267% | 1,946 |
| Return on Equity (ROE) | 6.0735% | 4,136 |
| Retained earnings to average equity (ytd only) | 6.0735% | 2,033 |
| Net charge-offs to loans | 1.3366% | 716 |
| Credit loss provision to net charge-offs | 57.9552% | 4,500 |
| Earnings coverage of net charge-offs (x) | 2.5518% | 4,137 |
| Efficiency ratio | 51.4946% | 6,494 |
| Assets per employee ($millions) | 5.0163% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0972% | 1,776 |
| Loan loss allowance to noncurrent loans | 77.7686% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 2.5982% | 1,870 |
| Noncurrent loans to loans | 2.6968% | 1,961 |
| Net loans and leases to total assets | 49.9449% | 5,173 |
| Net loans and leases to deposits | 67.0815% | 4,124 |
| Net loans and leases to core deposits | 70.2902% | 4,268 |
| Total domestic deposits to total assets | 74.4540% | 6,491 |
| Equity capital to assets | 16.6055% | 467 |
| Core capital (leverage) ratio | 16.2876% | 419 |
| Tier 1 risk-based capital ratio | 24.5095% | 908 |
| Total risk-based capital ratio | 25.7643% | 888 |
| Memoranda: | ||
| Average total assets | $1,266,821,800 | 521 |
| Average earning assets | $1,176,817,800 | 505 |
| Average equity | $212,102,400 | 356 |
| Average total loans | $684,221,000 | 605 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9941% | 5,537 |
| Cost of funding earning assets | 0.4154% | 6,025 |
| Net interest margin | 3.5787% | 4,326 |
| Noninterest income to average assets | 0.7685% | 2,388 |
| Noninterest expense to average assets | 2.1817% | 5,990 |
| Loan and lease loss provision to assets | 0.4360% | 1,448 |
| Net operating income to assets | 1.0450% | 2,302 |
| Return on assets (ROA) | 1.0479% | 2,508 |
| Pretax return on assets | 1.4717% | 1,994 |
| Return on Equity (ROE) | 6.2450% | 4,202 |
| Retained earnings to average equity (ytd only) | 6.2450% | 2,528 |
| Net charge-offs to loans | 1.6366% | 508 |
| Credit loss provision to net charge-offs | 48.6185% | 4,431 |
| Earnings coverage of net charge-offs (x) | 2.1226% | 4,208 |
| Efficiency ratio | 50.4959% | 6,549 |
| Assets per employee ($millions) | 5.0112% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9929% | 2,187 |
| Loan loss allowance to noncurrent loans | 66.8777% | 4,338 |
| Noncurrent assets plus other real estate owned to assets | 2.8684% | 1,834 |
| Noncurrent loans to loans | 2.9800% | 1,878 |
| Net loans and leases to total assets | 51.4339% | 5,123 |
| Net loans and leases to deposits | 68.6619% | 4,074 |
| Net loans and leases to core deposits | 72.3727% | 4,203 |
| Total domestic deposits to total assets | 74.9089% | 6,529 |
| Equity capital to assets | 16.6109% | 514 |
| Core capital (leverage) ratio | 16.8392% | 384 |
| Tier 1 risk-based capital ratio | 23.7765% | 1,053 |
| Total risk-based capital ratio | 25.0303% | 1,034 |
| Memoranda: | ||
| Average total assets | $1,253,705,000 | 529 |
| Average earning assets | $1,161,980,000 | 516 |
| Average equity | $210,359,250 | 358 |
| Average total loans | $687,018,250 | 601 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 5,367 |
| Cost of funding earning assets | 0.4426% | 6,015 |
| Net interest margin | 3.6437% | 4,063 |
| Noninterest income to average assets | 0.7377% | 2,482 |
| Noninterest expense to average assets | 2.2032% | 6,000 |
| Loan and lease loss provision to assets | 0.4688% | 1,361 |
| Net operating income to assets | 1.0389% | 2,305 |
| Return on assets (ROA) | 1.0432% | 2,509 |
| Pretax return on assets | 1.4629% | 1,973 |
| Return on Equity (ROE) | 6.1957% | 4,215 |
| Retained earnings to average equity (ytd only) | 6.1957% | 2,570 |
| Net charge-offs to loans | 1.8462% | 479 |
| Credit loss provision to net charge-offs | 45.6549% | 4,133 |
| Earnings coverage of net charge-offs (x) | 1.8753% | 4,036 |
| Efficiency ratio | 50.2114% | 6,631 |
| Assets per employee ($millions) | 4.4772% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1386% | 1,914 |
| Loan loss allowance to noncurrent loans | 67.2445% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 3.3297% | 1,620 |
| Noncurrent loans to loans | 3.1804% | 1,833 |
| Net loans and leases to total assets | 55.5351% | 4,538 |
| Net loans and leases to deposits | 74.6288% | 3,185 |
| Net loans and leases to core deposits | 79.1471% | 3,348 |
| Total domestic deposits to total assets | 74.4151% | 6,646 |
| Equity capital to assets | 17.7291% | 369 |
| Core capital (leverage) ratio | 16.8119% | 378 |
| Tier 1 risk-based capital ratio | 24.3941% | 970 |
| Total risk-based capital ratio | 25.6501% | 951 |
| Memoranda: | ||
| Average total assets | $1,237,304,670 | 538 |
| Average earning assets | $1,151,455,000 | 519 |
| Average equity | $208,337,330 | 355 |
| Average total loans | $688,103,670 | 601 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 5,477 |
| Cost of funding earning assets | 0.4659% | 6,048 |
| Net interest margin | 3.6285% | 4,135 |
| Noninterest income to average assets | 0.7118% | 2,604 |
| Noninterest expense to average assets | 2.1687% | 6,117 |
| Loan and lease loss provision to assets | 0.4133% | 1,526 |
| Net operating income to assets | 1.0721% | 2,199 |
| Return on assets (ROA) | 1.0802% | 2,350 |
| Pretax return on assets | 1.5256% | 1,811 |
| Return on Equity (ROE) | 6.5809% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.5809% | 2,640 |
| Net charge-offs to loans | 0.5559% | 1,695 |
| Credit loss provision to net charge-offs | 134.9948% | 1,820 |
| Earnings coverage of net charge-offs (x) | 6.2960% | 2,235 |
| Efficiency ratio | 49.3209% | 6,720 |
| Assets per employee ($millions) | 4.7254% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6696% | 1,154 |
| Loan loss allowance to noncurrent loans | 229.6310% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 2,728 |
| Noncurrent loans to loans | 1.1626% | 4,382 |
| Net loans and leases to total assets | 53.6768% | 4,772 |
| Net loans and leases to deposits | 72.6905% | 3,324 |
| Net loans and leases to core deposits | 76.9527% | 3,478 |
| Total domestic deposits to total assets | 73.8430% | 6,764 |
| Equity capital to assets | 16.7744% | 464 |
| Core capital (leverage) ratio | 15.7033% | 502 |
| Tier 1 risk-based capital ratio | 24.3148% | 977 |
| Total risk-based capital ratio | 25.5768% | 958 |
| Memoranda: | ||
| Average total assets | $1,258,252,500 | 530 |
| Average earning assets | $1,173,609,500 | 513 |
| Average equity | $206,538,500 | 354 |
| Average total loans | $692,965,500 | 597 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1700% | 6,139 |
| Cost of funding earning assets | 0.5974% | 6,099 |
| Net interest margin | 3.5726% | 4,838 |
| Noninterest income to average assets | 0.6137% | 3,095 |
| Noninterest expense to average assets | 2.1257% | 6,436 |
| Loan and lease loss provision to assets | 0.2996% | 3,268 |
| Net operating income to assets | 1.0656% | 1,935 |
| Return on assets (ROA) | 1.0656% | 2,080 |
| Pretax return on assets | 1.5399% | 1,367 |
| Return on Equity (ROE) | 7.0592% | 3,382 |
| Retained earnings to average equity (ytd only) | 7.0592% | 1,476 |
| Net charge-offs to loans | 0.1950% | 4,585 |
| Credit loss provision to net charge-offs | 272.3464% | 879 |
| Earnings coverage of net charge-offs (x) | 16.7221% | 1,307 |
| Efficiency ratio | 49.9903% | 6,832 |
| Assets per employee ($millions) | 4.7527% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5637% | 1,233 |
| Loan loss allowance to noncurrent loans | 119.6297% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 2.0521% | 2,897 |
| Noncurrent loans to loans | 2.1430% | 3,017 |
| Net loans and leases to total assets | 53.5900% | 5,097 |
| Net loans and leases to deposits | 71.3683% | 3,890 |
| Net loans and leases to core deposits | 75.5653% | 4,039 |
| Total domestic deposits to total assets | 75.0894% | 6,597 |
| Equity capital to assets | 16.0638% | 570 |
| Core capital (leverage) ratio | 15.7598% | 490 |
| Tier 1 risk-based capital ratio | 23.9459% | 971 |
| Total risk-based capital ratio | 25.2074% | 956 |
| Memoranda: | ||
| Average total assets | $1,301,803,800 | 500 |
| Average earning assets | $1,221,200,400 | 486 |
| Average equity | $196,509,200 | 358 |
| Average total loans | $734,430,400 | 559 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1520% | 6,310 |
| Cost of funding earning assets | 0.6273% | 6,141 |
| Net interest margin | 3.5247% | 5,079 |
| Noninterest income to average assets | 0.6036% | 3,143 |
| Noninterest expense to average assets | 2.0195% | 6,654 |
| Loan and lease loss provision to assets | 0.2598% | 3,422 |
| Net operating income to assets | 1.1197% | 1,906 |
| Return on assets (ROA) | 1.1197% | 2,043 |
| Pretax return on assets | 1.6350% | 1,292 |
| Return on Equity (ROE) | 7.5350% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.5350% | 1,697 |
| Net charge-offs to loans | 0.1531% | 4,543 |
| Credit loss provision to net charge-offs | 298.9449% | 962 |
| Earnings coverage of net charge-offs (x) | 21.8055% | 1,171 |
| Efficiency ratio | 47.9466% | 6,965 |
| Assets per employee ($millions) | 4.8074% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4101% | 1,521 |
| Loan loss allowance to noncurrent loans | 83.8651% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 2.4932% | 2,589 |
| Noncurrent loans to loans | 2.8738% | 2,429 |
| Net loans and leases to total assets | 54.4275% | 5,102 |
| Net loans and leases to deposits | 74.4735% | 3,589 |
| Net loans and leases to core deposits | 79.0262% | 3,766 |
| Total domestic deposits to total assets | 73.0830% | 6,846 |
| Equity capital to assets | 15.7675% | 675 |
| Core capital (leverage) ratio | 15.4890% | 578 |
| Tier 1 risk-based capital ratio | 23.3019% | 1,106 |
| Total risk-based capital ratio | 24.5620% | 1,085 |
| Memoranda: | ||
| Average total assets | $1,308,822,000 | 505 |
| Average earning assets | $1,229,357,000 | 488 |
| Average equity | $194,484,250 | 364 |
| Average total loans | $742,899,750 | 559 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1099% | 6,473 |
| Cost of funding earning assets | 0.6549% | 6,205 |
| Net interest margin | 3.4550% | 5,344 |
| Noninterest income to average assets | 0.5858% | 3,225 |
| Noninterest expense to average assets | 2.0122% | 6,763 |
| Loan and lease loss provision to assets | 0.1820% | 4,101 |
| Net operating income to assets | 1.1237% | 1,810 |
| Return on assets (ROA) | 1.1237% | 1,890 |
| Pretax return on assets | 1.6484% | 1,158 |
| Return on Equity (ROE) | 7.7147% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.7147% | 1,573 |
| Net charge-offs to loans | 0.1347% | 4,398 |
| Credit loss provision to net charge-offs | 236.6864% | 1,277 |
| Earnings coverage of net charge-offs (x) | 23.8067% | 1,083 |
| Efficiency ratio | 48.6799% | 7,024 |
| Assets per employee ($millions) | 4.6252% | 2,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2068% | 1,908 |
| Loan loss allowance to noncurrent loans | 61.7960% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.3650% | 2,788 |
| Noncurrent loans to loans | 3.5711% | 1,980 |
| Net loans and leases to total assets | 57.2224% | 4,783 |
| Net loans and leases to deposits | 78.6743% | 3,009 |
| Net loans and leases to core deposits | 83.9857% | 3,213 |
| Total domestic deposits to total assets | 72.7333% | 6,953 |
| Equity capital to assets | 15.7173% | 656 |
| Core capital (leverage) ratio | 14.5082% | 759 |
| Tier 1 risk-based capital ratio | 22.0501% | 1,249 |
| Total risk-based capital ratio | 23.3070% | 1,215 |
| Memoranda: | ||
| Average total assets | $1,318,838,000 | 505 |
| Average earning assets | $1,243,183,330 | 492 |
| Average equity | $192,102,000 | 372 |
| Average total loans | $752,801,670 | 562 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0007% | 6,697 |
| Cost of funding earning assets | 0.6613% | 6,340 |
| Net interest margin | 3.3394% | 5,646 |
| Noninterest income to average assets | 0.5872% | 3,257 |
| Noninterest expense to average assets | 1.9652% | 6,883 |
| Loan and lease loss provision to assets | 0.1776% | 3,846 |
| Net operating income to assets | 1.0879% | 1,883 |
| Return on assets (ROA) | 1.0879% | 1,928 |
| Pretax return on assets | 1.5979% | 1,196 |
| Return on Equity (ROE) | 7.7532% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.7532% | 1,826 |
| Net charge-offs to loans | 0.1175% | 3,826 |
| Credit loss provision to net charge-offs | 267.8571% | 1,174 |
| Earnings coverage of net charge-offs (x) | 26.7813% | 914 |
| Efficiency ratio | 48.8409% | 7,076 |
| Assets per employee ($millions) | 5.0190% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1114% | 2,162 |
| Loan loss allowance to noncurrent loans | 58.8838% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 2.2697% | 2,980 |
| Noncurrent loans to loans | 3.5857% | 2,073 |
| Net loans and leases to total assets | 55.3129% | 5,108 |
| Net loans and leases to deposits | 81.5628% | 2,436 |
| Net loans and leases to core deposits | 88.3929% | 2,549 |
| Total domestic deposits to total assets | 67.8163% | 7,269 |
| Equity capital to assets | 14.4284% | 900 |
| Core capital (leverage) ratio | 13.5521% | 952 |
| Tier 1 risk-based capital ratio | 21.0362% | 1,389 |
| Total risk-based capital ratio | 22.2931% | 1,360 |
| Memoranda: | ||
| Average total assets | $1,351,544,500 | 503 |
| Average earning assets | $1,276,262,000 | 487 |
| Average equity | $189,650,500 | 375 |
| Average total loans | $762,490,000 | 562 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 6,514 |
| Cost of funding earning assets | 0.8594% | 6,338 |
| Net interest margin | 3.5936% | 4,851 |
| Noninterest income to average assets | 0.8104% | 2,228 |
| Noninterest expense to average assets | 2.1695% | 6,696 |
| Loan and lease loss provision to assets | 0.4171% | 3,605 |
| Net operating income to assets | 1.0777% | 1,767 |
| Return on assets (ROA) | 1.0777% | 1,862 |
| Pretax return on assets | 1.5972% | 1,137 |
| Return on Equity (ROE) | 7.5795% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.5795% | 1,125 |
| Net charge-offs to loans | 0.6473% | 3,077 |
| Credit loss provision to net charge-offs | 103.4115% | 4,356 |
| Earnings coverage of net charge-offs (x) | 4.9938% | 2,743 |
| Efficiency ratio | 48.3649% | 7,246 |
| Assets per employee ($millions) | 5.1043% | 2,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 2,295 |
| Loan loss allowance to noncurrent loans | 56.3714% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.2350% | 3,048 |
| Noncurrent loans to loans | 3.5532% | 2,123 |
| Net loans and leases to total assets | 55.2009% | 5,457 |
| Net loans and leases to deposits | 79.6293% | 3,240 |
| Net loans and leases to core deposits | 87.1877% | 3,157 |
| Total domestic deposits to total assets | 69.3224% | 7,271 |
| Equity capital to assets | 13.6483% | 1,143 |
| Core capital (leverage) ratio | 13.7881% | 902 |
| Tier 1 risk-based capital ratio | 20.1003% | 1,469 |
| Total risk-based capital ratio | 21.3560% | 1,436 |
| Memoranda: | ||
| Average total assets | $1,279,027,600 | 528 |
| Average earning assets | $1,200,663,200 | 507 |
| Average equity | $181,860,000 | 382 |
| Average total loans | $797,010,600 | 550 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5609% | 6,441 |
| Cost of funding earning assets | 0.9100% | 6,359 |
| Net interest margin | 3.6509% | 4,631 |
| Noninterest income to average assets | 0.8005% | 2,234 |
| Noninterest expense to average assets | 2.2014% | 6,602 |
| Loan and lease loss provision to assets | 0.2867% | 4,278 |
| Net operating income to assets | 1.1710% | 1,672 |
| Return on assets (ROA) | 1.1710% | 1,766 |
| Pretax return on assets | 1.7348% | 1,040 |
| Return on Equity (ROE) | 8.1464% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.1464% | 1,372 |
| Net charge-offs to loans | 0.3783% | 3,788 |
| Credit loss provision to net charge-offs | 118.5250% | 3,498 |
| Earnings coverage of net charge-offs (x) | 8.3564% | 2,177 |
| Efficiency ratio | 48.6069% | 7,234 |
| Assets per employee ($millions) | 4.6831% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9635% | 2,312 |
| Loan loss allowance to noncurrent loans | 55.9952% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.4549% | 2,913 |
| Noncurrent loans to loans | 3.5065% | 2,255 |
| Net loans and leases to total assets | 62.1468% | 4,496 |
| Net loans and leases to deposits | 88.3015% | 1,975 |
| Net loans and leases to core deposits | 97.5116% | 2,093 |
| Total domestic deposits to total assets | 70.3803% | 7,253 |
| Equity capital to assets | 14.7475% | 957 |
| Core capital (leverage) ratio | 14.0211% | 916 |
| Tier 1 risk-based capital ratio | 19.6080% | 1,625 |
| Total risk-based capital ratio | 20.8640% | 1,595 |
| Memoranda: | ||
| Average total assets | $1,255,519,500 | 531 |
| Average earning assets | $1,176,967,000 | 515 |
| Average equity | $180,475,250 | 382 |
| Average total loans | $802,904,750 | 546 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5897% | 6,486 |
| Cost of funding earning assets | 0.9455% | 6,398 |
| Net interest margin | 3.6442% | 4,608 |
| Noninterest income to average assets | 0.6705% | 2,889 |
| Noninterest expense to average assets | 2.1645% | 6,732 |
| Loan and lease loss provision to assets | 0.2395% | 4,521 |
| Net operating income to assets | 1.1303% | 1,757 |
| Return on assets (ROA) | 1.1303% | 1,824 |
| Pretax return on assets | 1.6697% | 1,118 |
| Return on Equity (ROE) | 7.9327% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.9327% | 1,462 |
| Net charge-offs to loans | 0.4337% | 3,258 |
| Credit loss provision to net charge-offs | 86.1079% | 4,545 |
| Earnings coverage of net charge-offs (x) | 6.8639% | 2,394 |
| Efficiency ratio | 49.4689% | 7,260 |
| Assets per employee ($millions) | 4.4607% | 2,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 2,342 |
| Loan loss allowance to noncurrent loans | 61.4704% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 2.8662% | 2,518 |
| Noncurrent loans to loans | 3.1388% | 2,553 |
| Net loans and leases to total assets | 62.2373% | 4,635 |
| Net loans and leases to deposits | 85.6746% | 2,557 |
| Net loans and leases to core deposits | 97.5740% | 2,274 |
| Total domestic deposits to total assets | 72.6438% | 7,127 |
| Equity capital to assets | 14.8146% | 920 |
| Core capital (leverage) ratio | 13.8496% | 961 |
| Tier 1 risk-based capital ratio | 19.7274% | 1,560 |
| Total risk-based capital ratio | 20.9831% | 1,533 |
| Memoranda: | ||
| Average total assets | $1,252,549,330 | 533 |
| Average earning assets | $1,169,743,670 | 516 |
| Average equity | $178,476,330 | 388 |
| Average total loans | $803,359,330 | 546 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 6,391 |
| Cost of funding earning assets | 0.9672% | 6,519 |
| Net interest margin | 3.6881% | 4,314 |
| Noninterest income to average assets | 0.6194% | 3,144 |
| Noninterest expense to average assets | 2.1817% | 6,735 |
| Loan and lease loss provision to assets | 0.2850% | 3,747 |
| Net operating income to assets | 1.0874% | 1,873 |
| Return on assets (ROA) | 1.0874% | 1,953 |
| Pretax return on assets | 1.5949% | 1,275 |
| Return on Equity (ROE) | 7.7816% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.7816% | 1,800 |
| Net charge-offs to loans | 0.0319% | 5,127 |
| Credit loss provision to net charge-offs | 1,384.6154% | 358 |
| Earnings coverage of net charge-offs (x) | 91.3385% | 354 |
| Efficiency ratio | 50.0741% | 7,312 |
| Assets per employee ($millions) | 4.7448% | 2,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9993% | 2,191 |
| Loan loss allowance to noncurrent loans | 103.8249% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 2.0668% | 3,422 |
| Noncurrent loans to loans | 1.9256% | 3,896 |
| Net loans and leases to total assets | 62.4923% | 4,659 |
| Net loans and leases to deposits | 85.0411% | 2,753 |
| Net loans and leases to core deposits | 98.5553% | 2,286 |
| Total domestic deposits to total assets | 73.4849% | 7,105 |
| Equity capital to assets | 14.0770% | 1,117 |
| Core capital (leverage) ratio | 13.2121% | 1,153 |
| Tier 1 risk-based capital ratio | 18.8760% | 1,746 |
| Total risk-based capital ratio | 20.1328% | 1,709 |
| Memoranda: | ||
| Average total assets | $1,263,242,500 | 544 |
| Average earning assets | $1,179,038,500 | 526 |
| Average equity | $176,518,500 | 396 |
| Average total loans | $814,380,000 | 561 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1001% | 6,085 |
| Cost of funding earning assets | 1.2250% | 6,573 |
| Net interest margin | 3.8750% | 3,376 |
| Noninterest income to average assets | 0.7020% | 2,957 |
| Noninterest expense to average assets | 2.3154% | 6,708 |
| Loan and lease loss provision to assets | 0.4147% | 4,324 |
| Net operating income to assets | 1.1056% | 1,495 |
| Return on assets (ROA) | 1.1056% | 1,532 |
| Pretax return on assets | 1.6086% | 948 |
| Return on Equity (ROE) | 7.7892% | 2,464 |
| Retained earnings to average equity (ytd only) | 7.7892% | 752 |
| Net charge-offs to loans | 0.4691% | 3,903 |
| Credit loss provision to net charge-offs | 124.7783% | 4,201 |
| Earnings coverage of net charge-offs (x) | 6.0884% | 2,440 |
| Efficiency ratio | 49.7409% | 7,552 |
| Assets per employee ($millions) | 4.6480% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 2,353 |
| Loan loss allowance to noncurrent loans | 270.7921% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 1.0616% | 4,977 |
| Noncurrent loans to loans | 0.6890% | 5,857 |
| Net loans and leases to total assets | 63.9558% | 4,608 |
| Net loans and leases to deposits | 84.6826% | 3,144 |
| Net loans and leases to core deposits | 105.0558% | 3,448 |
| Total domestic deposits to total assets | 75.5241% | 6,773 |
| Equity capital to assets | 13.8693% | 1,206 |
| Core capital (leverage) ratio | 13.0302% | 1,244 |
| Tier 1 risk-based capital ratio | 18.0812% | 1,871 |
| Total risk-based capital ratio | 19.3365% | 1,830 |
| Memoranda: | ||
| Average total assets | $1,187,706,000 | 561 |
| Average earning assets | $1,114,651,600 | 541 |
| Average equity | $168,578,600 | 408 |
| Average total loans | $841,313,400 | 554 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1394% | 6,143 |
| Cost of funding earning assets | 1.2775% | 6,632 |
| Net interest margin | 3.8619% | 3,384 |
| Noninterest income to average assets | 0.6736% | 3,189 |
| Noninterest expense to average assets | 2.3670% | 6,513 |
| Loan and lease loss provision to assets | 0.0655% | 6,700 |
| Net operating income to assets | 1.2693% | 1,290 |
| Return on assets (ROA) | 1.2693% | 1,364 |
| Pretax return on assets | 1.8740% | 694 |
| Return on Equity (ROE) | 8.8882% | 2,308 |
| Retained earnings to average equity (ytd only) | 8.8882% | 873 |
| Net charge-offs to loans | 0.0649% | 6,044 |
| Credit loss provision to net charge-offs | 139.5631% | 3,534 |
| Earnings coverage of net charge-offs (x) | 41.3009% | 733 |
| Efficiency ratio | 51.2546% | 7,467 |
| Assets per employee ($millions) | 4.5242% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 2,549 |
| Loan loss allowance to noncurrent loans | 112.5592% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2170% | 4,636 |
| Noncurrent loans to loans | 1.5279% | 4,361 |
| Net loans and leases to total assets | 67.3403% | 4,107 |
| Net loans and leases to deposits | 91.0245% | 2,389 |
| Net loans and leases to core deposits | 113.2444% | 2,907 |
| Total domestic deposits to total assets | 73.9804% | 6,946 |
| Equity capital to assets | 14.1480% | 1,256 |
| Core capital (leverage) ratio | 13.6472% | 1,188 |
| Tier 1 risk-based capital ratio | 17.7589% | 2,060 |
| Total risk-based capital ratio | 18.9846% | 2,013 |
| Memoranda: | ||
| Average total assets | $1,169,729,250 | 583 |
| Average earning assets | $1,100,366,500 | 563 |
| Average equity | $167,048,250 | 420 |
| Average total loans | $846,414,000 | 567 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2187% | 6,008 |
| Cost of funding earning assets | 1.3416% | 6,673 |
| Net interest margin | 3.8770% | 3,221 |
| Noninterest income to average assets | 0.6805% | 3,114 |
| Noninterest expense to average assets | 2.3961% | 6,470 |
| Loan and lease loss provision to assets | 0.0739% | 6,451 |
| Net operating income to assets | 1.2655% | 1,316 |
| Return on assets (ROA) | 1.2655% | 1,397 |
| Pretax return on assets | 1.8644% | 749 |
| Return on Equity (ROE) | 8.8320% | 2,420 |
| Retained earnings to average equity (ytd only) | 8.8320% | 979 |
| Net charge-offs to loans | 0.0979% | 5,189 |
| Credit loss provision to net charge-offs | 102.4096% | 4,467 |
| Earnings coverage of net charge-offs (x) | 26.8434% | 1,072 |
| Efficiency ratio | 51.5274% | 7,554 |
| Assets per employee ($millions) | 4.1268% | 3,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 2,375 |
| Loan loss allowance to noncurrent loans | 250.4451% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6789% | 5,715 |
| Noncurrent loans to loans | 0.6764% | 5,897 |
| Net loans and leases to total assets | 72.5728% | 3,071 |
| Net loans and leases to deposits | 95.7606% | 1,837 |
| Net loans and leases to core deposits | 112.6851% | 3,056 |
| Total domestic deposits to total assets | 75.7856% | 6,597 |
| Equity capital to assets | 14.6588% | 1,122 |
| Core capital (leverage) ratio | 13.8576% | 1,175 |
| Tier 1 risk-based capital ratio | 17.7516% | 2,079 |
| Total risk-based capital ratio | 19.0060% | 2,029 |
| Memoranda: | ||
| Average total assets | $1,149,445,670 | 602 |
| Average earning assets | $1,083,305,000 | 586 |
| Average equity | $164,697,000 | 431 |
| Average total loans | $847,493,000 | 580 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1922% | 6,325 |
| Cost of funding earning assets | 1.4046% | 6,718 |
| Net interest margin | 3.7877% | 3,502 |
| Noninterest income to average assets | 0.5796% | 3,693 |
| Noninterest expense to average assets | 2.4559% | 6,006 |
| Loan and lease loss provision to assets | 0.0521% | 6,307 |
| Net operating income to assets | 1.1417% | 1,835 |
| Return on assets (ROA) | 1.1417% | 1,952 |
| Pretax return on assets | 1.6510% | 1,288 |
| Return on Equity (ROE) | 8.0609% | 3,123 |
| Retained earnings to average equity (ytd only) | 8.0609% | 1,792 |
| Net charge-offs to loans | 0.0118% | 5,448 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 195.9600% | 213 |
| Efficiency ratio | 55.1450% | 7,085 |
| Assets per employee ($millions) | 4.1900% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7095% | 2,111 |
| Loan loss allowance to noncurrent loans | 390.3644% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 6,114 |
| Noncurrent loans to loans | 0.4379% | 6,331 |
| Net loans and leases to total assets | 71.9082% | 3,257 |
| Net loans and leases to deposits | 95.4538% | 2,041 |
| Net loans and leases to core deposits | 112.4737% | 3,168 |
| Total domestic deposits to total assets | 75.3330% | 6,638 |
| Equity capital to assets | 14.2321% | 1,298 |
| Core capital (leverage) ratio | 13.3367% | 1,375 |
| Tier 1 risk-based capital ratio | 17.7841% | 2,104 |
| Total risk-based capital ratio | 19.0392% | 2,053 |
| Memoranda: | ||
| Average total assets | $1,150,547,000 | 604 |
| Average earning assets | $1,087,315,000 | 585 |
| Average equity | $162,959,500 | 431 |
| Average total loans | $847,772,500 | 586 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2097% | 4,469 |
| Cost of funding earning assets | 1.9385% | 6,619 |
| Net interest margin | 4.2712% | 2,068 |
| Noninterest income to average assets | 0.6097% | 3,775 |
| Noninterest expense to average assets | 2.3789% | 6,472 |
| Loan and lease loss provision to assets | 0.2341% | 4,552 |
| Net operating income to assets | 1.3664% | 1,307 |
| Return on assets (ROA) | 1.3671% | 1,261 |
| Pretax return on assets | 1.9944% | 614 |
| Return on Equity (ROE) | 9.4801% | 2,445 |
| Retained earnings to average equity (ytd only) | 6.9269% | 1,177 |
| Net charge-offs to loans | 0.0814% | 5,599 |
| Credit loss provision to net charge-offs | 381.2594% | 1,155 |
| Earnings coverage of net charge-offs (x) | 36.2804% | 1,014 |
| Efficiency ratio | 47.9118% | 7,816 |
| Assets per employee ($millions) | 4.0735% | 3,361 |
| Cash dividends to net income (ytd only)* | 26.9324% | 4,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 1,947 |
| Loan loss allowance to noncurrent loans | 474.4540% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 6,034 |
| Noncurrent loans to loans | 0.3557% | 6,305 |
| Net loans and leases to total assets | 72.9626% | 3,368 |
| Net loans and leases to deposits | 95.5995% | 2,510 |
| Net loans and leases to core deposits | 111.6504% | 3,599 |
| Total domestic deposits to total assets | 76.3211% | 6,160 |
| Equity capital to assets | 14.0945% | 1,399 |
| Core capital (leverage) ratio | 13.6050% | 1,357 |
| Tier 1 risk-based capital ratio | 17.1741% | 2,257 |
| Total risk-based capital ratio | 18.4290% | 2,209 |
| Memoranda: | ||
| Average total assets | $1,086,405,600 | 610 |
| Average earning assets | $1,016,575,000 | 590 |
| Average equity | $156,664,200 | 452 |
| Average total loans | $819,111,600 | 581 |