Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7815% | 2,511 |
| Cost of funding earning assets | 0.8789% | 3,566 |
| Net interest margin | 3.9026% | 1,371 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 2.9014% | 1,269 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.0366% | 2,104 |
| Return on assets (ROA) | 1.0385% | 2,076 |
| Pretax return on assets | 1.3114% | 1,843 |
| Return on Equity (ROE) | 9.5600% | 2,626 |
| Retained earnings to average equity (ytd only) | 6.2614% | 2,146 |
| Net charge-offs to loans | 0.0030% | 2,676 |
| Credit loss provision to net charge-offs | 1,851.8519% | 243 |
| Earnings coverage of net charge-offs (x) | 616.8704% | 239 |
| Efficiency ratio | 68.2532% | 2,085 |
| Assets per employee ($millions) | 5.7019% | 3,069 |
| Cash dividends to net income (ytd only)* | 34.5089% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 963 |
| Loan loss allowance to noncurrent loans | 1,994.2120% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0595% | 3,179 |
| Noncurrent loans to loans | 0.0772% | 3,169 |
| Net loans and leases to total assets | 75.8600% | 1,136 |
| Net loans and leases to deposits | 86.6154% | 1,566 |
| Net loans and leases to core deposits | 91.5136% | 1,945 |
| Total domestic deposits to total assets | 87.5800% | 1,493 |
| Equity capital to assets | 11.6042% | 1,253 |
| Core capital (leverage) ratio | 12.0567% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,468,361,400 | 474 |
| Average earning assets | $2,352,174,600 | 451 |
| Average equity | $268,119,800 | 430 |
| Average total loans | $1,821,878,400 | 436 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7265% | 2,418 |
| Cost of funding earning assets | 0.7736% | 3,594 |
| Net interest margin | 3.9529% | 1,295 |
| Noninterest income to average assets | 0.5100% | 1,913 |
| Noninterest expense to average assets | 2.9133% | 1,203 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.0530% | 2,208 |
| Return on assets (ROA) | 1.0476% | 2,213 |
| Pretax return on assets | 1.3231% | 1,968 |
| Return on Equity (ROE) | 9.8100% | 2,696 |
| Retained earnings to average equity (ytd only) | 6.7475% | 2,377 |
| Net charge-offs to loans | 0.0042% | 2,339 |
| Credit loss provision to net charge-offs | 1,228.0702% | 354 |
| Earnings coverage of net charge-offs (x) | 446.6842% | 334 |
| Efficiency ratio | 68.0556% | 2,007 |
| Assets per employee ($millions) | 5.4741% | 3,204 |
| Cash dividends to net income (ytd only)* | 31.1971% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5454% | 1,001 |
| Loan loss allowance to noncurrent loans | 2,639.3657% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,365 |
| Noncurrent loans to loans | 0.0586% | 3,332 |
| Net loans and leases to total assets | 74.0000% | 1,341 |
| Net loans and leases to deposits | 84.0468% | 1,734 |
| Net loans and leases to core deposits | 87.8146% | 2,064 |
| Total domestic deposits to total assets | 88.0400% | 1,559 |
| Equity capital to assets | 11.1431% | 1,290 |
| Core capital (leverage) ratio | 11.7403% | 1,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,482,475,000 | 470 |
| Average earning assets | $2,366,281,250 | 448 |
| Average equity | $265,179,000 | 431 |
| Average total loans | $1,812,770,000 | 438 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 2,331 |
| Cost of funding earning assets | 0.6401% | 3,657 |
| Net interest margin | 4.0003% | 1,240 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.9012% | 1,206 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.1204% | 2,059 |
| Return on assets (ROA) | 1.1203% | 2,058 |
| Pretax return on assets | 1.4152% | 1,773 |
| Return on Equity (ROE) | 10.6400% | 2,521 |
| Retained earnings to average equity (ytd only) | 6.9793% | 2,289 |
| Net charge-offs to loans | 0.0006% | 2,428 |
| Credit loss provision to net charge-offs | 8,000.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 3,615.4000% | 29 |
| Efficiency ratio | 66.7164% | 2,152 |
| Assets per employee ($millions) | 5.5015% | 3,152 |
| Cash dividends to net income (ytd only)* | 34.3886% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 1,051 |
| Loan loss allowance to noncurrent loans | 2,815.8635% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0409% | 3,365 |
| Noncurrent loans to loans | 0.0549% | 3,307 |
| Net loans and leases to total assets | 73.3300% | 1,364 |
| Net loans and leases to deposits | 83.1199% | 1,752 |
| Net loans and leases to core deposits | 86.2497% | 2,055 |
| Total domestic deposits to total assets | 88.2200% | 1,523 |
| Equity capital to assets | 10.9523% | 1,407 |
| Core capital (leverage) ratio | 11.5735% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,497,971,000 | 451 |
| Average earning assets | $2,382,032,333 | 434 |
| Average equity | $263,090,667 | 425 |
| Average total loans | $1,806,729,000 | 424 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 2,151 |
| Cost of funding earning assets | 0.4298% | 3,884 |
| Net interest margin | 4.1382% | 1,048 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.8540% | 1,328 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.2881% | 1,706 |
| Return on assets (ROA) | 1.2963% | 1,656 |
| Pretax return on assets | 1.6377% | 1,388 |
| Return on Equity (ROE) | 12.5600% | 2,088 |
| Retained earnings to average equity (ytd only) | 6.6592% | 2,602 |
| Net charge-offs to loans | 0.0018% | 1,976 |
| Credit loss provision to net charge-offs | 3,750.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 1,323.2500% | 71 |
| Efficiency ratio | 63.0183% | 2,566 |
| Assets per employee ($millions) | 5.7341% | 2,994 |
| Cash dividends to net income (ytd only)* | 46.9669% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5535% | 1,109 |
| Loan loss allowance to noncurrent loans | 2,340.2848% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 3,305 |
| Noncurrent loans to loans | 0.0664% | 3,257 |
| Net loans and leases to total assets | 71.4800% | 1,474 |
| Net loans and leases to deposits | 80.7407% | 1,763 |
| Net loans and leases to core deposits | 83.1164% | 2,051 |
| Total domestic deposits to total assets | 88.5300% | 1,723 |
| Equity capital to assets | 10.6438% | 1,492 |
| Core capital (leverage) ratio | 11.0300% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,528,201,000 | 459 |
| Average earning assets | $2,415,054,500 | 436 |
| Average equity | $260,991,000 | 438 |
| Average total loans | $1,802,519,000 | 432 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4557% | 3,193 |
| Cost of funding earning assets | 0.1492% | 4,128 |
| Net interest margin | 3.3064% | 2,550 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.6088% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8233% | 3,243 |
| Return on assets (ROA) | 0.8083% | 3,225 |
| Pretax return on assets | 1.0210% | 3,016 |
| Return on Equity (ROE) | 8.8200% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.9992% | 1,827 |
| Net charge-offs to loans | 0.0322% | 1,429 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 49.6655% | 1,373 |
| Efficiency ratio | 71.4986% | 1,501 |
| Assets per employee ($millions) | 5.9157% | 2,833 |
| Cash dividends to net income (ytd only)* | 9.3104% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6415% | 897 |
| Loan loss allowance to noncurrent loans | 1,671.4205% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 3,107 |
| Noncurrent loans to loans | 0.0982% | 3,058 |
| Net loans and leases to total assets | 68.8800% | 1,746 |
| Net loans and leases to deposits | 77.0789% | 2,032 |
| Net loans and leases to core deposits | 78.8135% | 2,212 |
| Total domestic deposits to total assets | 89.3700% | 1,614 |
| Equity capital to assets | 10.0152% | 1,696 |
| Core capital (leverage) ratio | 10.3867% | 2,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,741,320,000 | 419 |
| Average earning assets | $2,634,653,600 | 397 |
| Average equity | $251,212,600 | 437 |
| Average total loans | $1,783,165,800 | 411 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1710% | 3,499 |
| Cost of funding earning assets | 0.1231% | 4,098 |
| Net interest margin | 3.0479% | 3,084 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.5652% | 1,807 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6717% | 3,643 |
| Return on assets (ROA) | 0.6516% | 3,646 |
| Pretax return on assets | 0.8238% | 3,520 |
| Return on Equity (ROE) | 7.2700% | 3,528 |
| Retained earnings to average equity (ytd only) | 6.3074% | 2,632 |
| Net charge-offs to loans | 0.0437% | 1,053 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 30.3894% | 1,514 |
| Efficiency ratio | 75.1302% | 1,162 |
| Assets per employee ($millions) | 6.3609% | 2,435 |
| Cash dividends to net income (ytd only)* | 13.2098% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6406% | 989 |
| Loan loss allowance to noncurrent loans | 1,828.7477% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,301 |
| Noncurrent loans to loans | 0.0897% | 3,238 |
| Net loans and leases to total assets | 64.8300% | 2,000 |
| Net loans and leases to deposits | 71.8804% | 2,217 |
| Net loans and leases to core deposits | 72.9024% | 2,426 |
| Total domestic deposits to total assets | 90.1900% | 1,574 |
| Equity capital to assets | 9.0773% | 2,156 |
| Core capital (leverage) ratio | 9.5818% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,781,834,750 | 419 |
| Average earning assets | $2,677,262,250 | 397 |
| Average equity | $249,436,000 | 445 |
| Average total loans | $1,777,366,000 | 410 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8994% | 3,782 |
| Cost of funding earning assets | 0.1164% | 4,007 |
| Net interest margin | 2.7830% | 3,489 |
| Noninterest income to average assets | 0.5021% | 2,189 |
| Noninterest expense to average assets | 2.5077% | 1,905 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5375% | 3,804 |
| Return on assets (ROA) | 0.5176% | 3,803 |
| Pretax return on assets | 0.6534% | 3,706 |
| Return on Equity (ROE) | 5.7958% | 3,630 |
| Retained earnings to average equity (ytd only) | 4.7022% | 2,814 |
| Net charge-offs to loans | 0.0263% | 1,190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 40.8836% | 1,248 |
| Efficiency ratio | 78.7012% | 1,038 |
| Assets per employee ($millions) | 6.2913% | 2,487 |
| Cash dividends to net income (ytd only)* | 18.8692% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6844% | 984 |
| Loan loss allowance to noncurrent loans | 1,275.2126% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 3,024 |
| Noncurrent loans to loans | 0.1321% | 3,052 |
| Net loans and leases to total assets | 63.3848% | 1,976 |
| Net loans and leases to deposits | 70.0281% | 2,199 |
| Net loans and leases to core deposits | 71.2030% | 2,398 |
| Total domestic deposits to total assets | 90.5134% | 1,456 |
| Equity capital to assets | 9.0277% | 2,368 |
| Core capital (leverage) ratio | 9.3638% | 3,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,795,269,000 | 413 |
| Average earning assets | $2,696,040,667 | 394 |
| Average equity | $249,628,667 | 442 |
| Average total loans | $1,767,530,667 | 404 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7327% | 3,883 |
| Cost of funding earning assets | 0.1188% | 3,911 |
| Net interest margin | 2.6139% | 3,622 |
| Noninterest income to average assets | 0.5108% | 2,093 |
| Noninterest expense to average assets | 2.4966% | 1,891 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4267% | 3,897 |
| Return on assets (ROA) | 0.4033% | 3,909 |
| Pretax return on assets | 0.5083% | 3,859 |
| Return on Equity (ROE) | 4.5401% | 3,745 |
| Retained earnings to average equity (ytd only) | 2.4630% | 3,417 |
| Net charge-offs to loans | -0.0011% | 3,027 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2755% | 962 |
| Assets per employee ($millions) | 6.0784% | 2,735 |
| Cash dividends to net income (ytd only)* | 45.7496% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 1,009 |
| Loan loss allowance to noncurrent loans | 1,437.5178% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 3,324 |
| Noncurrent loans to loans | 0.1202% | 3,221 |
| Net loans and leases to total assets | 61.2291% | 1,940 |
| Net loans and leases to deposits | 67.3651% | 2,209 |
| Net loans and leases to core deposits | 68.5389% | 2,412 |
| Total domestic deposits to total assets | 90.8915% | 1,089 |
| Equity capital to assets | 8.8130% | 2,867 |
| Core capital (leverage) ratio | 9.0848% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,811,971,000 | 414 |
| Average earning assets | $2,714,823,500 | 394 |
| Average equity | $249,776,000 | 454 |
| Average total loans | $1,760,998,500 | 406 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0224% | 3,831 |
| Cost of funding earning assets | 0.1679% | 3,795 |
| Net interest margin | 2.8545% | 3,549 |
| Noninterest income to average assets | 1.0215% | 960 |
| Noninterest expense to average assets | 2.7410% | 1,511 |
| Loan and lease loss provision to assets | -0.2015% | 4,702 |
| Net operating income to assets | 0.9772% | 2,766 |
| Return on assets (ROA) | 0.9733% | 2,845 |
| Pretax return on assets | 1.2294% | 2,574 |
| Return on Equity (ROE) | 10.6936% | 2,279 |
| Retained earnings to average equity (ytd only) | 9.5830% | 1,026 |
| Net charge-offs to loans | 0.0046% | 2,435 |
| Credit loss provision to net charge-offs | -6,524.3902% | 4,193 |
| Earnings coverage of net charge-offs (x) | 334.4634% | 373 |
| Efficiency ratio | 72.6315% | 1,442 |
| Assets per employee ($millions) | 6.3133% | 2,475 |
| Cash dividends to net income (ytd only)* | 10.3850% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 1,036 |
| Loan loss allowance to noncurrent loans | 1,266.2757% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 3,348 |
| Noncurrent loans to loans | 0.1347% | 3,253 |
| Net loans and leases to total assets | 61.8702% | 1,959 |
| Net loans and leases to deposits | 68.2885% | 2,287 |
| Net loans and leases to core deposits | 69.4827% | 2,507 |
| Total domestic deposits to total assets | 90.6012% | 670 |
| Equity capital to assets | 8.9520% | 3,672 |
| Core capital (leverage) ratio | 9.0717% | 3,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,655,381,400 | 417 |
| Average earning assets | $2,560,390,800 | 396 |
| Average equity | $241,687,200 | 462 |
| Average total loans | $1,797,198,400 | 393 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0955% | 3,824 |
| Cost of funding earning assets | 0.1810% | 3,808 |
| Net interest margin | 2.9145% | 3,522 |
| Noninterest income to average assets | 1.1177% | 909 |
| Noninterest expense to average assets | 2.8210% | 1,294 |
| Loan and lease loss provision to assets | -0.1529% | 4,692 |
| Net operating income to assets | 0.9959% | 2,928 |
| Return on assets (ROA) | 0.9947% | 3,004 |
| Pretax return on assets | 1.2564% | 2,748 |
| Return on Equity (ROE) | 10.8809% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.8224% | 1,377 |
| Net charge-offs to loans | 0.0063% | 2,087 |
| Credit loss provision to net charge-offs | -3,529.4118% | 4,094 |
| Earnings coverage of net charge-offs (x) | 254.9765% | 478 |
| Efficiency ratio | 71.8558% | 1,418 |
| Assets per employee ($millions) | 6.2181% | 2,481 |
| Cash dividends to net income (ytd only)* | 9.7273% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8315% | 874 |
| Loan loss allowance to noncurrent loans | 1,326.8024% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 3,493 |
| Noncurrent loans to loans | 0.1380% | 3,420 |
| Net loans and leases to total assets | 63.3820% | 1,853 |
| Net loans and leases to deposits | 70.0257% | 2,243 |
| Net loans and leases to core deposits | 71.3045% | 2,489 |
| Total domestic deposits to total assets | 90.5125% | 556 |
| Equity capital to assets | 8.9948% | 3,840 |
| Core capital (leverage) ratio | 9.1639% | 3,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,615,292,500 | 427 |
| Average earning assets | $2,519,887,250 | 402 |
| Average equity | $239,092,750 | 467 |
| Average total loans | $1,803,416,250 | 398 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1003% | 3,864 |
| Cost of funding earning assets | 0.1987% | 3,766 |
| Net interest margin | 2.9017% | 3,572 |
| Noninterest income to average assets | 1.2291% | 770 |
| Noninterest expense to average assets | 2.8479% | 1,259 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9309% | 3,130 |
| Return on assets (ROA) | 0.9270% | 3,216 |
| Pretax return on assets | 1.1705% | 2,994 |
| Return on Equity (ROE) | 10.0821% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.4784% | 1,903 |
| Net charge-offs to loans | 0.0082% | 1,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 204.0135% | 491 |
| Efficiency ratio | 70.7853% | 1,546 |
| Assets per employee ($millions) | 5.8039% | 2,807 |
| Cash dividends to net income (ytd only)* | 15.9066% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 683 |
| Loan loss allowance to noncurrent loans | 841.6509% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 3,181 |
| Noncurrent loans to loans | 0.2305% | 3,130 |
| Net loans and leases to total assets | 68.2479% | 1,419 |
| Net loans and leases to deposits | 75.3335% | 1,888 |
| Net loans and leases to core deposits | 77.2943% | 2,111 |
| Total domestic deposits to total assets | 90.5943% | 522 |
| Equity capital to assets | 9.1288% | 3,675 |
| Core capital (leverage) ratio | 9.2164% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,568,853,667 | 428 |
| Average earning assets | $2,473,685,000 | 405 |
| Average equity | $236,200,000 | 466 |
| Average total loans | $1,811,722,000 | 397 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2540% | 3,562 |
| Cost of funding earning assets | 0.2213% | 3,716 |
| Net interest margin | 3.0326% | 3,174 |
| Noninterest income to average assets | 1.4548% | 642 |
| Noninterest expense to average assets | 2.8330% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2206% | 2,065 |
| Return on assets (ROA) | 1.2107% | 2,191 |
| Pretax return on assets | 1.5290% | 1,923 |
| Return on Equity (ROE) | 13.1180% | 1,643 |
| Retained earnings to average equity (ytd only) | 10.3764% | 1,552 |
| Net charge-offs to loans | 0.0040% | 1,774 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 542.9444% | 175 |
| Efficiency ratio | 64.7604% | 2,374 |
| Assets per employee ($millions) | 5.8703% | 2,725 |
| Cash dividends to net income (ytd only)* | 20.8990% | 1,984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 641 |
| Loan loss allowance to noncurrent loans | 811.2907% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 3,329 |
| Noncurrent loans to loans | 0.2423% | 3,234 |
| Net loans and leases to total assets | 67.4393% | 1,604 |
| Net loans and leases to deposits | 74.2596% | 2,091 |
| Net loans and leases to core deposits | 76.9352% | 2,273 |
| Total domestic deposits to total assets | 90.8156% | 468 |
| Equity capital to assets | 8.9818% | 3,704 |
| Core capital (leverage) ratio | 10.2402% | 2,298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,535,802,000 | 425 |
| Average earning assets | $2,441,432,500 | 408 |
| Average equity | $234,030,000 | 466 |
| Average total loans | $1,800,639,500 | 397 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 3,887 |
| Cost of funding earning assets | 0.3840% | 3,681 |
| Net interest margin | 3.1824% | 3,400 |
| Noninterest income to average assets | 1.7037% | 433 |
| Noninterest expense to average assets | 3.0531% | 1,323 |
| Loan and lease loss provision to assets | 0.7500% | 186 |
| Net operating income to assets | 0.7584% | 3,242 |
| Return on assets (ROA) | 0.7618% | 3,358 |
| Pretax return on assets | 0.9612% | 3,174 |
| Return on Equity (ROE) | 7.3357% | 3,057 |
| Retained earnings to average equity (ytd only) | 3.1124% | 3,285 |
| Net charge-offs to loans | 0.0002% | 3,440 |
| Credit loss provision to net charge-offs | 550,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 12,517.3333% | 4 |
| Efficiency ratio | 64.1423% | 2,800 |
| Assets per employee ($millions) | 5.4738% | 2,868 |
| Cash dividends to net income (ytd only)* | 57.5716% | 1,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9942% | 596 |
| Loan loss allowance to noncurrent loans | 594.4982% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 3,053 |
| Noncurrent loans to loans | 0.3354% | 3,003 |
| Net loans and leases to total assets | 71.9440% | 1,290 |
| Net loans and leases to deposits | 79.7151% | 1,896 |
| Net loans and leases to core deposits | 83.2765% | 2,102 |
| Total domestic deposits to total assets | 90.2514% | 470 |
| Equity capital to assets | 9.4965% | 3,614 |
| Core capital (leverage) ratio | 9.6401% | 2,977 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,200,123,000 | 439 |
| Average earning assets | $2,112,930,600 | 421 |
| Average equity | $228,470,800 | 454 |
| Average total loans | $1,703,127,000 | 398 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6616% | 3,893 |
| Cost of funding earning assets | 0.4276% | 3,652 |
| Net interest margin | 3.2339% | 3,383 |
| Noninterest income to average assets | 1.6729% | 419 |
| Noninterest expense to average assets | 3.0228% | 1,394 |
| Loan and lease loss provision to assets | 0.9838% | 148 |
| Net operating income to assets | 0.6109% | 3,725 |
| Return on assets (ROA) | 0.6162% | 3,813 |
| Pretax return on assets | 0.7770% | 3,711 |
| Return on Equity (ROE) | 5.7925% | 3,619 |
| Retained earnings to average equity (ytd only) | 4.6738% | 2,705 |
| Net charge-offs to loans | 0.0005% | 3,230 |
| Credit loss provision to net charge-offs | 263,333.3333% | 3 |
| Earnings coverage of net charge-offs (x) | 4,695.1667% | 11 |
| Efficiency ratio | 63.2784% | 2,868 |
| Assets per employee ($millions) | 5.2951% | 2,900 |
| Cash dividends to net income (ytd only)* | 19.3128% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 553 |
| Loan loss allowance to noncurrent loans | 564.9749% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.2668% | 3,106 |
| Noncurrent loans to loans | 0.3424% | 3,055 |
| Net loans and leases to total assets | 76.3929% | 1,048 |
| Net loans and leases to deposits | 85.1210% | 1,797 |
| Net loans and leases to core deposits | 89.4489% | 2,021 |
| Total domestic deposits to total assets | 89.7463% | 515 |
| Equity capital to assets | 10.0220% | 3,209 |
| Core capital (leverage) ratio | 11.2313% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,141,195,750 | 443 |
| Average earning assets | $2,055,241,250 | 426 |
| Average equity | $227,758,500 | 448 |
| Average total loans | $1,681,885,750 | 397 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 3,825 |
| Cost of funding earning assets | 0.4859% | 3,617 |
| Net interest margin | 3.3285% | 3,316 |
| Noninterest income to average assets | 1.5204% | 450 |
| Noninterest expense to average assets | 2.9554% | 1,699 |
| Loan and lease loss provision to assets | 1.1720% | 148 |
| Net operating income to assets | 0.4662% | 4,095 |
| Return on assets (ROA) | 0.4743% | 4,142 |
| Pretax return on assets | 0.5976% | 4,071 |
| Return on Equity (ROE) | 4.3652% | 4,003 |
| Retained earnings to average equity (ytd only) | 2.7728% | 3,472 |
| Net charge-offs to loans | 0.0002% | 3,031 |
| Credit loss provision to net charge-offs | 610,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 9,157.0000% | 2 |
| Efficiency ratio | 62.6831% | 3,011 |
| Assets per employee ($millions) | 5.1964% | 2,934 |
| Cash dividends to net income (ytd only)* | 36.4796% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 748 |
| Loan loss allowance to noncurrent loans | 256.5865% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 2,210 |
| Noncurrent loans to loans | 0.6780% | 2,175 |
| Net loans and leases to total assets | 77.8250% | 864 |
| Net loans and leases to deposits | 86.7236% | 1,692 |
| Net loans and leases to core deposits | 91.3566% | 1,957 |
| Total domestic deposits to total assets | 89.7391% | 478 |
| Equity capital to assets | 10.0124% | 3,192 |
| Core capital (leverage) ratio | 11.1209% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,081,841,000 | 451 |
| Average earning assets | $1,997,950,667 | 428 |
| Average equity | $226,199,333 | 449 |
| Average total loans | $1,640,279,333 | 402 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,579 |
| Cost of funding earning assets | 0.5783% | 3,542 |
| Net interest margin | 3.5002% | 2,985 |
| Noninterest income to average assets | 1.2975% | 532 |
| Noninterest expense to average assets | 3.2145% | 1,397 |
| Loan and lease loss provision to assets | 0.4434% | 683 |
| Net operating income to assets | 0.7886% | 2,942 |
| Return on assets (ROA) | 0.7886% | 3,032 |
| Pretax return on assets | 0.9964% | 2,850 |
| Return on Equity (ROE) | 6.9455% | 2,971 |
| Retained earnings to average equity (ytd only) | 3.7594% | 2,779 |
| Net charge-offs to loans | -0.0003% | 3,582 |
| Credit loss provision to net charge-offs | -220,000.0000% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0656% | 2,500 |
| Assets per employee ($millions) | 4.5535% | 3,192 |
| Cash dividends to net income (ytd only)* | 45.8727% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3649% | 1,834 |
| Loan loss allowance to noncurrent loans | 433.3942% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 3,465 |
| Noncurrent loans to loans | 0.3149% | 3,368 |
| Net loans and leases to total assets | 77.5807% | 1,041 |
| Net loans and leases to deposits | 87.8055% | 1,767 |
| Net loans and leases to core deposits | 94.0739% | 1,969 |
| Total domestic deposits to total assets | 88.3552% | 949 |
| Equity capital to assets | 11.4146% | 2,515 |
| Core capital (leverage) ratio | 11.4139% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,984,743,000 | 452 |
| Average earning assets | $1,903,413,000 | 433 |
| Average equity | $225,356,000 | 452 |
| Average total loans | $1,559,076,000 | 411 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 2,486 |
| Cost of funding earning assets | 0.5771% | 3,732 |
| Net interest margin | 4.0684% | 1,629 |
| Noninterest income to average assets | 1.1127% | 768 |
| Noninterest expense to average assets | 3.3266% | 1,246 |
| Loan and lease loss provision to assets | 0.0652% | 2,720 |
| Net operating income to assets | 1.2702% | 1,802 |
| Return on assets (ROA) | 1.2702% | 1,885 |
| Pretax return on assets | 1.6074% | 1,468 |
| Return on Equity (ROE) | 10.9986% | 1,892 |
| Retained earnings to average equity (ytd only) | 9.8008% | 535 |
| Net charge-offs to loans | 0.0021% | 3,628 |
| Credit loss provision to net charge-offs | 3,870.9677% | 112 |
| Earnings coverage of net charge-offs (x) | 993.5161% | 101 |
| Efficiency ratio | 66.5425% | 2,687 |
| Assets per employee ($millions) | 4.6361% | 3,037 |
| Cash dividends to net income (ytd only)* | 10.8897% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2339% | 2,265 |
| Loan loss allowance to noncurrent loans | 807.8415% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 4,038 |
| Noncurrent loans to loans | 0.1527% | 3,917 |
| Net loans and leases to total assets | 77.4833% | 1,164 |
| Net loans and leases to deposits | 87.5629% | 1,903 |
| Net loans and leases to core deposits | 94.0858% | 2,055 |
| Total domestic deposits to total assets | 88.4888% | 893 |
| Equity capital to assets | 11.2940% | 2,716 |
| Core capital (leverage) ratio | 11.4297% | 2,163 |
| Tier 1 risk-based capital ratio | 13.9619% | 3,290 |
| Total risk-based capital ratio | 15.1646% | 3,216 |
| Memoranda: | ||
| Average total assets | $1,841,392,600 | 459 |
| Average earning assets | $1,759,055,000 | 437 |
| Average equity | $212,655,200 | 456 |
| Average total loans | $1,473,576,600 | 412 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 2,293 |
| Cost of funding earning assets | 0.5569% | 3,890 |
| Net interest margin | 4.1849% | 1,406 |
| Noninterest income to average assets | 1.1027% | 752 |
| Noninterest expense to average assets | 3.3929% | 1,109 |
| Loan and lease loss provision to assets | 0.0664% | 2,557 |
| Net operating income to assets | 1.2936% | 1,885 |
| Return on assets (ROA) | 1.2936% | 1,973 |
| Pretax return on assets | 1.6371% | 1,502 |
| Return on Equity (ROE) | 11.1345% | 1,962 |
| Retained earnings to average equity (ytd only) | 9.5232% | 889 |
| Net charge-offs to loans | 0.0009% | 3,426 |
| Credit loss provision to net charge-offs | 9,000.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 2,309.0195% | 31 |
| Efficiency ratio | 66.5750% | 2,656 |
| Assets per employee ($millions) | 4.4705% | 3,256 |
| Cash dividends to net income (ytd only)* | 14.4715% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 2,184 |
| Loan loss allowance to noncurrent loans | 1,280.2034% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.0767% | 4,333 |
| Noncurrent loans to loans | 0.0983% | 4,206 |
| Net loans and leases to total assets | 77.0933% | 1,299 |
| Net loans and leases to deposits | 87.1880% | 2,036 |
| Net loans and leases to core deposits | 94.4474% | 2,140 |
| Total domestic deposits to total assets | 88.4219% | 858 |
| Equity capital to assets | 11.3315% | 2,813 |
| Core capital (leverage) ratio | 11.4890% | 2,229 |
| Tier 1 risk-based capital ratio | 14.0133% | 3,324 |
| Total risk-based capital ratio | 15.2350% | 3,256 |
| Memoranda: | ||
| Average total assets | $1,806,841,000 | 469 |
| Average earning assets | $1,724,295,750 | 449 |
| Average equity | $209,925,250 | 460 |
| Average total loans | $1,453,715,500 | 418 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8083% | 2,035 |
| Cost of funding earning assets | 0.4974% | 4,125 |
| Net interest margin | 4.3109% | 1,119 |
| Noninterest income to average assets | 1.1042% | 700 |
| Noninterest expense to average assets | 3.4688% | 995 |
| Loan and lease loss provision to assets | 0.0679% | 2,454 |
| Net operating income to assets | 1.3289% | 1,662 |
| Return on assets (ROA) | 1.3289% | 1,722 |
| Pretax return on assets | 1.6818% | 1,316 |
| Return on Equity (ROE) | 11.3367% | 1,851 |
| Retained earnings to average equity (ytd only) | 9.8644% | 797 |
| Net charge-offs to loans | 0.0011% | 3,144 |
| Credit loss provision to net charge-offs | 7,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | 1,933.7500% | 30 |
| Efficiency ratio | 66.4716% | 2,755 |
| Assets per employee ($millions) | 4.2277% | 3,529 |
| Cash dividends to net income (ytd only)* | 12.9872% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,076 |
| Loan loss allowance to noncurrent loans | 1,694.1659% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 4,392 |
| Noncurrent loans to loans | 0.0759% | 4,335 |
| Net loans and leases to total assets | 78.4682% | 1,132 |
| Net loans and leases to deposits | 89.1017% | 1,848 |
| Net loans and leases to core deposits | 97.1604% | 1,962 |
| Total domestic deposits to total assets | 88.0659% | 1,078 |
| Equity capital to assets | 11.7151% | 2,425 |
| Core capital (leverage) ratio | 11.9489% | 1,859 |
| Tier 1 risk-based capital ratio | 14.1915% | 3,224 |
| Total risk-based capital ratio | 15.4364% | 3,138 |
| Memoranda: | ||
| Average total assets | $1,768,351,330 | 477 |
| Average earning assets | $1,687,662,000 | 458 |
| Average equity | $207,291,330 | 462 |
| Average total loans | $1,438,002,330 | 420 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 1,791 |
| Cost of funding earning assets | 0.4181% | 4,407 |
| Net interest margin | 4.4219% | 857 |
| Noninterest income to average assets | 0.9764% | 865 |
| Noninterest expense to average assets | 3.4646% | 1,017 |
| Loan and lease loss provision to assets | 0.0688% | 2,281 |
| Net operating income to assets | 1.3134% | 1,649 |
| Return on assets (ROA) | 1.3134% | 1,693 |
| Pretax return on assets | 1.6619% | 1,306 |
| Return on Equity (ROE) | 11.2007% | 1,868 |
| Retained earnings to average equity (ytd only) | 8.7160% | 1,416 |
| Net charge-offs to loans | 0.0033% | 2,618 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 628.6667% | 113 |
| Efficiency ratio | 66.6873% | 2,836 |
| Assets per employee ($millions) | 4.2504% | 3,544 |
| Cash dividends to net income (ytd only)* | 22.1834% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2779% | 2,195 |
| Loan loss allowance to noncurrent loans | 1,504.6091% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 4,387 |
| Noncurrent loans to loans | 0.0849% | 4,374 |
| Net loans and leases to total assets | 80.4512% | 784 |
| Net loans and leases to deposits | 91.4455% | 1,462 |
| Net loans and leases to core deposits | 98.6204% | 1,733 |
| Total domestic deposits to total assets | 87.9773% | 1,346 |
| Equity capital to assets | 11.7791% | 2,171 |
| Core capital (leverage) ratio | 12.0979% | 1,713 |
| Tier 1 risk-based capital ratio | 13.9867% | 3,338 |
| Total risk-based capital ratio | 15.2280% | 3,263 |
| Memoranda: | ||
| Average total assets | $1,743,564,000 | 487 |
| Average earning assets | $1,663,539,000 | 466 |
| Average equity | $204,451,500 | 464 |
| Average total loans | $1,434,464,000 | 425 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 2,244 |
| Cost of funding earning assets | 0.2662% | 4,731 |
| Net interest margin | 4.2998% | 1,158 |
| Noninterest income to average assets | 1.1344% | 715 |
| Noninterest expense to average assets | 3.4344% | 1,097 |
| Loan and lease loss provision to assets | 0.0514% | 3,155 |
| Net operating income to assets | 1.3895% | 1,465 |
| Return on assets (ROA) | 1.3895% | 1,461 |
| Pretax return on assets | 1.7335% | 1,086 |
| Return on Equity (ROE) | 12.4421% | 1,566 |
| Retained earnings to average equity (ytd only) | 11.5122% | 373 |
| Net charge-offs to loans | 0.0169% | 3,125 |
| Credit loss provision to net charge-offs | 369.1983% | 869 |
| Earnings coverage of net charge-offs (x) | 128.2911% | 624 |
| Efficiency ratio | 65.8021% | 2,896 |
| Assets per employee ($millions) | 4.1930% | 3,623 |
| Cash dividends to net income (ytd only)* | 7.4736% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,292 |
| Loan loss allowance to noncurrent loans | 1,499.4167% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0836% | 4,397 |
| Noncurrent loans to loans | 0.0834% | 4,375 |
| Net loans and leases to total assets | 82.0229% | 643 |
| Net loans and leases to deposits | 93.1109% | 1,386 |
| Net loans and leases to core deposits | 100.1253% | 1,711 |
| Total domestic deposits to total assets | 88.0916% | 1,256 |
| Equity capital to assets | 11.6723% | 2,119 |
| Core capital (leverage) ratio | 11.9238% | 1,789 |
| Tier 1 risk-based capital ratio | 13.6951% | 3,441 |
| Total risk-based capital ratio | 14.9172% | 3,377 |
| Memoranda: | ||
| Average total assets | $1,703,473,000 | 480 |
| Average earning assets | $1,618,336,200 | 464 |
| Average equity | $190,241,000 | 469 |
| Average total loans | $1,405,488,400 | 422 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4958% | 2,322 |
| Cost of funding earning assets | 0.2431% | 4,826 |
| Net interest margin | 4.2528% | 1,228 |
| Noninterest income to average assets | 1.1130% | 758 |
| Noninterest expense to average assets | 3.4657% | 1,033 |
| Loan and lease loss provision to assets | 0.0393% | 3,218 |
| Net operating income to assets | 1.2993% | 1,863 |
| Return on assets (ROA) | 1.2993% | 1,861 |
| Pretax return on assets | 1.6442% | 1,433 |
| Return on Equity (ROE) | 11.7696% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.5749% | 750 |
| Net charge-offs to loans | 0.0187% | 2,771 |
| Credit loss provision to net charge-offs | 255.1020% | 1,161 |
| Earnings coverage of net charge-offs (x) | 109.2844% | 708 |
| Efficiency ratio | 67.3052% | 2,658 |
| Assets per employee ($millions) | 4.1274% | 3,686 |
| Cash dividends to net income (ytd only)* | 10.1506% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,373 |
| Loan loss allowance to noncurrent loans | 1,220.3870% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 4,465 |
| Noncurrent loans to loans | 0.1023% | 4,428 |
| Net loans and leases to total assets | 82.1552% | 688 |
| Net loans and leases to deposits | 93.0155% | 1,504 |
| Net loans and leases to core deposits | 100.9135% | 1,707 |
| Total domestic deposits to total assets | 88.3242% | 1,106 |
| Equity capital to assets | 11.4571% | 2,295 |
| Core capital (leverage) ratio | 11.3840% | 2,261 |
| Tier 1 risk-based capital ratio | 13.4785% | 3,639 |
| Total risk-based capital ratio | 14.7027% | 3,567 |
| Memoranda: | ||
| Average total assets | $1,696,409,000 | 481 |
| Average earning assets | $1,610,014,750 | 465 |
| Average equity | $187,268,250 | 472 |
| Average total loans | $1,397,258,750 | 420 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,440 |
| Cost of funding earning assets | 0.2225% | 4,904 |
| Net interest margin | 4.1710% | 1,349 |
| Noninterest income to average assets | 1.1118% | 775 |
| Noninterest expense to average assets | 3.4623% | 1,045 |
| Loan and lease loss provision to assets | 0.0295% | 3,322 |
| Net operating income to assets | 1.2467% | 1,994 |
| Return on assets (ROA) | 1.2467% | 1,992 |
| Pretax return on assets | 1.5778% | 1,575 |
| Return on Equity (ROE) | 11.4382% | 1,934 |
| Retained earnings to average equity (ytd only) | 10.4379% | 811 |
| Net charge-offs to loans | -0.0082% | 4,252 |
| Credit loss provision to net charge-offs | -438.5965% | 4,347 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2959% | 2,593 |
| Assets per employee ($millions) | 4.1877% | 3,597 |
| Cash dividends to net income (ytd only)* | 8.7450% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 2,384 |
| Loan loss allowance to noncurrent loans | 1,160.4468% | 525 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 4,465 |
| Noncurrent loans to loans | 0.1085% | 4,426 |
| Net loans and leases to total assets | 80.4728% | 943 |
| Net loans and leases to deposits | 90.6039% | 1,767 |
| Net loans and leases to core deposits | 99.3757% | 1,782 |
| Total domestic deposits to total assets | 88.8183% | 1,007 |
| Equity capital to assets | 11.0236% | 2,618 |
| Core capital (leverage) ratio | 11.2904% | 2,262 |
| Tier 1 risk-based capital ratio | 13.2378% | 3,771 |
| Total risk-based capital ratio | 14.4728% | 3,698 |
| Memoranda: | ||
| Average total assets | $1,695,053,000 | 481 |
| Average earning assets | $1,608,380,330 | 464 |
| Average equity | $184,749,330 | 474 |
| Average total loans | $1,391,448,670 | 421 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 2,430 |
| Cost of funding earning assets | 0.2112% | 4,948 |
| Net interest margin | 4.1155% | 1,400 |
| Noninterest income to average assets | 1.1367% | 723 |
| Noninterest expense to average assets | 3.4739% | 1,047 |
| Loan and lease loss provision to assets | 0.0595% | 2,580 |
| Net operating income to assets | 1.1969% | 2,018 |
| Return on assets (ROA) | 1.1969% | 2,033 |
| Pretax return on assets | 1.5146% | 1,649 |
| Return on Equity (ROE) | 11.0458% | 1,951 |
| Retained earnings to average equity (ytd only) | 9.3384% | 1,346 |
| Net charge-offs to loans | -0.0141% | 4,395 |
| Credit loss provision to net charge-offs | -510.2041% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8180% | 2,697 |
| Assets per employee ($millions) | 4.0344% | 3,920 |
| Cash dividends to net income (ytd only)* | 15.4580% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 2,357 |
| Loan loss allowance to noncurrent loans | 513.8242% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2194% | 4,001 |
| Noncurrent loans to loans | 0.2485% | 3,873 |
| Net loans and leases to total assets | 80.3791% | 889 |
| Net loans and leases to deposits | 90.3612% | 1,649 |
| Net loans and leases to core deposits | 99.2707% | 1,743 |
| Total domestic deposits to total assets | 88.9531% | 1,113 |
| Equity capital to assets | 10.8538% | 2,719 |
| Core capital (leverage) ratio | 11.1466% | 2,285 |
| Tier 1 risk-based capital ratio | 13.1020% | 3,897 |
| Total risk-based capital ratio | 14.3521% | 3,806 |
| Memoranda: | ||
| Average total assets | $1,682,011,500 | 488 |
| Average earning assets | $1,598,534,000 | 469 |
| Average equity | $182,258,500 | 482 |
| Average total loans | $1,385,819,000 | 420 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 2,485 |
| Cost of funding earning assets | 0.2095% | 4,869 |
| Net interest margin | 4.0429% | 1,612 |
| Noninterest income to average assets | 1.3239% | 603 |
| Noninterest expense to average assets | 3.5115% | 1,012 |
| Loan and lease loss provision to assets | 0.1038% | 2,156 |
| Net operating income to assets | 0.9240% | 2,577 |
| Return on assets (ROA) | 0.9240% | 2,604 |
| Pretax return on assets | 1.5364% | 1,501 |
| Return on Equity (ROE) | 8.6606% | 2,470 |
| Retained earnings to average equity (ytd only) | 7.6777% | 866 |
| Net charge-offs to loans | 0.0628% | 2,577 |
| Credit loss provision to net charge-offs | 195.9302% | 1,395 |
| Earnings coverage of net charge-offs (x) | 30.9744% | 1,511 |
| Efficiency ratio | 68.1623% | 2,864 |
| Assets per employee ($millions) | 4.0230% | 3,923 |
| Cash dividends to net income (ytd only)* | 11.3488% | 3,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,472 |
| Loan loss allowance to noncurrent loans | 477.8634% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 3,965 |
| Noncurrent loans to loans | 0.2615% | 3,851 |
| Net loans and leases to total assets | 82.3398% | 633 |
| Net loans and leases to deposits | 92.5160% | 1,447 |
| Net loans and leases to core deposits | 101.2497% | 1,610 |
| Total domestic deposits to total assets | 89.0005% | 1,006 |
| Equity capital to assets | 10.8173% | 2,822 |
| Core capital (leverage) ratio | 10.7783% | 2,555 |
| Tier 1 risk-based capital ratio | 12.7361% | 4,073 |
| Total risk-based capital ratio | 13.9659% | 3,979 |
| Memoranda: | ||
| Average total assets | $1,624,076,200 | 485 |
| Average earning assets | $1,537,667,600 | 465 |
| Average equity | $173,267,800 | 485 |
| Average total loans | $1,370,420,600 | 412 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2093% | 2,576 |
| Cost of funding earning assets | 0.2065% | 4,921 |
| Net interest margin | 4.0028% | 1,691 |
| Noninterest income to average assets | 1.3477% | 576 |
| Noninterest expense to average assets | 3.5448% | 929 |
| Loan and lease loss provision to assets | 0.1227% | 1,767 |
| Net operating income to assets | 0.9548% | 2,749 |
| Return on assets (ROA) | 0.9548% | 2,813 |
| Pretax return on assets | 1.4678% | 1,884 |
| Return on Equity (ROE) | 8.9818% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.0195% | 1,216 |
| Net charge-offs to loans | 0.0870% | 1,926 |
| Credit loss provision to net charge-offs | 166.6667% | 1,553 |
| Earnings coverage of net charge-offs (x) | 21.6049% | 1,905 |
| Efficiency ratio | 69.0280% | 2,704 |
| Assets per employee ($millions) | 4.0389% | 3,919 |
| Cash dividends to net income (ytd only)* | 10.7131% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,701 |
| Loan loss allowance to noncurrent loans | 260.8927% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 3,068 |
| Noncurrent loans to loans | 0.4747% | 3,264 |
| Net loans and leases to total assets | 81.8638% | 714 |
| Net loans and leases to deposits | 91.7931% | 1,595 |
| Net loans and leases to core deposits | 100.1303% | 1,697 |
| Total domestic deposits to total assets | 89.1830% | 787 |
| Equity capital to assets | 10.6239% | 3,240 |
| Core capital (leverage) ratio | 10.8126% | 2,633 |
| Tier 1 risk-based capital ratio | 12.5556% | 4,283 |
| Total risk-based capital ratio | 13.7717% | 4,212 |
| Memoranda: | ||
| Average total assets | $1,613,713,250 | 490 |
| Average earning assets | $1,526,938,250 | 472 |
| Average equity | $171,543,500 | 492 |
| Average total loans | $1,365,838,750 | 418 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 2,558 |
| Cost of funding earning assets | 0.2052% | 4,926 |
| Net interest margin | 3.9712% | 1,705 |
| Noninterest income to average assets | 1.3597% | 578 |
| Noninterest expense to average assets | 3.5627% | 918 |
| Loan and lease loss provision to assets | 0.1454% | 1,404 |
| Net operating income to assets | 0.9161% | 2,829 |
| Return on assets (ROA) | 0.9161% | 2,880 |
| Pretax return on assets | 1.4075% | 1,993 |
| Return on Equity (ROE) | 8.6164% | 2,710 |
| Retained earnings to average equity (ytd only) | 7.2807% | 1,459 |
| Net charge-offs to loans | 0.0875% | 1,735 |
| Credit loss provision to net charge-offs | 194.9580% | 1,299 |
| Earnings coverage of net charge-offs (x) | 20.8218% | 1,777 |
| Efficiency ratio | 69.6437% | 2,740 |
| Assets per employee ($millions) | 3.8071% | 4,268 |
| Cash dividends to net income (ytd only)* | 15.5014% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,700 |
| Loan loss allowance to noncurrent loans | 266.5575% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.6016% | 2,766 |
| Noncurrent loans to loans | 0.4682% | 3,337 |
| Net loans and leases to total assets | 85.4176% | 315 |
| Net loans and leases to deposits | 96.0667% | 1,077 |
| Net loans and leases to core deposits | 105.3262% | 1,279 |
| Total domestic deposits to total assets | 88.9149% | 999 |
| Equity capital to assets | 10.9275% | 2,896 |
| Core capital (leverage) ratio | 10.9063% | 2,495 |
| Tier 1 risk-based capital ratio | 12.3163% | 4,411 |
| Total risk-based capital ratio | 13.5357% | 4,321 |
| Memoranda: | ||
| Average total assets | $1,595,594,670 | 498 |
| Average earning assets | $1,509,057,670 | 479 |
| Average equity | $169,653,330 | 496 |
| Average total loans | $1,360,228,330 | 421 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 2,638 |
| Cost of funding earning assets | 0.2074% | 4,908 |
| Net interest margin | 3.8969% | 1,790 |
| Noninterest income to average assets | 1.2653% | 636 |
| Noninterest expense to average assets | 3.5574% | 964 |
| Loan and lease loss provision to assets | 0.1399% | 1,355 |
| Net operating income to assets | 0.8175% | 3,139 |
| Return on assets (ROA) | 0.8175% | 3,196 |
| Pretax return on assets | 1.2566% | 2,396 |
| Return on Equity (ROE) | 7.7953% | 3,026 |
| Retained earnings to average equity (ytd only) | 5.1088% | 2,825 |
| Net charge-offs to loans | 0.1154% | 1,247 |
| Credit loss provision to net charge-offs | 143.2225% | 1,243 |
| Earnings coverage of net charge-offs (x) | 14.2992% | 1,729 |
| Efficiency ratio | 71.8110% | 2,611 |
| Assets per employee ($millions) | 3.9473% | 4,098 |
| Cash dividends to net income (ytd only)* | 34.4638% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,941 |
| Loan loss allowance to noncurrent loans | 269.8336% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4951% | 3,248 |
| Noncurrent loans to loans | 0.4557% | 3,466 |
| Net loans and leases to total assets | 82.4909% | 515 |
| Net loans and leases to deposits | 92.2981% | 1,296 |
| Net loans and leases to core deposits | 101.5016% | 1,403 |
| Total domestic deposits to total assets | 89.3744% | 963 |
| Equity capital to assets | 10.3931% | 3,299 |
| Core capital (leverage) ratio | 10.6469% | 2,745 |
| Tier 1 risk-based capital ratio | 12.0846% | 4,659 |
| Total risk-based capital ratio | 13.2814% | 4,590 |
| Memoranda: | ||
| Average total assets | $1,601,511,500 | 498 |
| Average earning assets | $1,515,881,000 | 481 |
| Average equity | $167,947,000 | 498 |
| Average total loans | $1,355,388,500 | 423 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 2,655 |
| Cost of funding earning assets | 0.2249% | 4,785 |
| Net interest margin | 3.9266% | 1,873 |
| Noninterest income to average assets | 1.4641% | 545 |
| Noninterest expense to average assets | 3.6400% | 960 |
| Loan and lease loss provision to assets | 0.0322% | 3,708 |
| Net operating income to assets | 0.9668% | 2,502 |
| Return on assets (ROA) | 0.9668% | 2,605 |
| Pretax return on assets | 1.4858% | 1,635 |
| Return on Equity (ROE) | 9.2062% | 2,311 |
| Retained earnings to average equity (ytd only) | 8.6691% | 652 |
| Net charge-offs to loans | -0.0163% | 5,069 |
| Credit loss provision to net charge-offs | -234.4498% | 5,023 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5699% | 2,818 |
| Assets per employee ($millions) | 3.9419% | 4,072 |
| Cash dividends to net income (ytd only)* | 5.8336% | 4,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 2,991 |
| Loan loss allowance to noncurrent loans | 357.8139% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4440% | 3,487 |
| Noncurrent loans to loans | 0.3416% | 3,912 |
| Net loans and leases to total assets | 84.7324% | 322 |
| Net loans and leases to deposits | 94.9622% | 1,095 |
| Net loans and leases to core deposits | 104.2217% | 1,262 |
| Total domestic deposits to total assets | 89.2275% | 993 |
| Equity capital to assets | 10.5834% | 3,060 |
| Core capital (leverage) ratio | 10.6930% | 2,666 |
| Tier 1 risk-based capital ratio | 11.9606% | 4,758 |
| Total risk-based capital ratio | 13.1453% | 4,686 |
| Memoranda: | ||
| Average total assets | $1,523,039,200 | 503 |
| Average earning assets | $1,432,775,400 | 485 |
| Average equity | $159,946,800 | 501 |
| Average total loans | $1,279,956,200 | 418 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 2,611 |
| Cost of funding earning assets | 0.2281% | 4,804 |
| Net interest margin | 3.9418% | 1,846 |
| Noninterest income to average assets | 1.5494% | 511 |
| Noninterest expense to average assets | 3.6748% | 889 |
| Loan and lease loss provision to assets | 0.0353% | 3,533 |
| Net operating income to assets | 1.0040% | 2,413 |
| Return on assets (ROA) | 1.0040% | 2,553 |
| Pretax return on assets | 1.5430% | 1,565 |
| Return on Equity (ROE) | 9.5800% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.1468% | 775 |
| Net charge-offs to loans | -0.0135% | 4,882 |
| Credit loss provision to net charge-offs | -312.5000% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9541% | 2,892 |
| Assets per employee ($millions) | 3.8948% | 4,137 |
| Cash dividends to net income (ytd only)* | 4.5215% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,828 |
| Loan loss allowance to noncurrent loans | 353.2930% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5544% | 3,244 |
| Noncurrent loans to loans | 0.3602% | 3,967 |
| Net loans and leases to total assets | 81.6768% | 662 |
| Net loans and leases to deposits | 91.5135% | 1,564 |
| Net loans and leases to core deposits | 100.3354% | 1,605 |
| Total domestic deposits to total assets | 89.2511% | 778 |
| Equity capital to assets | 10.5512% | 3,508 |
| Core capital (leverage) ratio | 10.7182% | 2,765 |
| Tier 1 risk-based capital ratio | 12.3943% | 4,540 |
| Total risk-based capital ratio | 13.6314% | 4,452 |
| Memoranda: | ||
| Average total assets | $1,509,613,500 | 508 |
| Average earning assets | $1,418,480,750 | 489 |
| Average equity | $158,215,250 | 502 |
| Average total loans | $1,261,809,500 | 422 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1935% | 2,531 |
| Cost of funding earning assets | 0.2321% | 4,827 |
| Net interest margin | 3.9614% | 1,769 |
| Noninterest income to average assets | 1.4447% | 554 |
| Noninterest expense to average assets | 3.6356% | 954 |
| Loan and lease loss provision to assets | 0.0535% | 3,078 |
| Net operating income to assets | 0.9609% | 2,573 |
| Return on assets (ROA) | 0.9609% | 2,723 |
| Pretax return on assets | 1.4771% | 1,748 |
| Return on Equity (ROE) | 9.1902% | 2,410 |
| Retained earnings to average equity (ytd only) | 8.7013% | 937 |
| Net charge-offs to loans | -0.0161% | 4,863 |
| Credit loss provision to net charge-offs | -396.0396% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3727% | 2,924 |
| Assets per employee ($millions) | 3.7377% | 4,381 |
| Cash dividends to net income (ytd only)* | 5.3189% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,931 |
| Loan loss allowance to noncurrent loans | 457.0229% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 3,514 |
| Noncurrent loans to loans | 0.2787% | 4,370 |
| Net loans and leases to total assets | 84.8989% | 341 |
| Net loans and leases to deposits | 95.3117% | 1,158 |
| Net loans and leases to core deposits | 104.1341% | 1,310 |
| Total domestic deposits to total assets | 89.0749% | 885 |
| Equity capital to assets | 10.7239% | 3,371 |
| Core capital (leverage) ratio | 10.7358% | 2,707 |
| Tier 1 risk-based capital ratio | 12.0360% | 4,800 |
| Total risk-based capital ratio | 13.2685% | 4,727 |
| Memoranda: | ||
| Average total assets | $1,494,809,000 | 514 |
| Average earning assets | $1,404,315,670 | 493 |
| Average equity | $156,297,670 | 507 |
| Average total loans | $1,253,865,670 | 428 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 2,595 |
| Cost of funding earning assets | 0.2426% | 4,776 |
| Net interest margin | 3.9249% | 1,867 |
| Noninterest income to average assets | 1.1974% | 763 |
| Noninterest expense to average assets | 3.5509% | 1,101 |
| Loan and lease loss provision to assets | 0.0802% | 2,357 |
| Net operating income to assets | 0.8254% | 3,125 |
| Return on assets (ROA) | 0.8254% | 3,248 |
| Pretax return on assets | 1.2683% | 2,428 |
| Return on Equity (ROE) | 7.9958% | 2,914 |
| Retained earnings to average equity (ytd only) | 7.2009% | 1,789 |
| Net charge-offs to loans | -0.0048% | 4,281 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4768% | 2,727 |
| Assets per employee ($millions) | 3.9150% | 4,098 |
| Cash dividends to net income (ytd only)* | 9.9417% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 2,855 |
| Loan loss allowance to noncurrent loans | 334.3964% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 3,360 |
| Noncurrent loans to loans | 0.3915% | 4,034 |
| Net loans and leases to total assets | 80.5485% | 741 |
| Net loans and leases to deposits | 89.9478% | 1,585 |
| Net loans and leases to core deposits | 99.2778% | 1,539 |
| Total domestic deposits to total assets | 89.5502% | 812 |
| Equity capital to assets | 10.3157% | 3,726 |
| Core capital (leverage) ratio | 10.5691% | 2,885 |
| Tier 1 risk-based capital ratio | 12.1501% | 4,815 |
| Total risk-based capital ratio | 13.4015% | 4,712 |
| Memoranda: | ||
| Average total assets | $1,496,537,500 | 510 |
| Average earning assets | $1,411,496,000 | 491 |
| Average equity | $154,481,000 | 512 |
| Average total loans | $1,239,561,000 | 431 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3542% | 2,045 |
| Cost of funding earning assets | 0.2426% | 4,858 |
| Net interest margin | 4.1116% | 1,386 |
| Noninterest income to average assets | 1.3469% | 666 |
| Noninterest expense to average assets | 3.5558% | 1,199 |
| Loan and lease loss provision to assets | 0.1431% | 1,658 |
| Net operating income to assets | 0.9862% | 2,441 |
| Return on assets (ROA) | 0.9862% | 2,521 |
| Pretax return on assets | 1.5153% | 1,511 |
| Return on Equity (ROE) | 9.5741% | 2,193 |
| Retained earnings to average equity (ytd only) | 8.4324% | 795 |
| Net charge-offs to loans | 0.0308% | 3,604 |
| Credit loss provision to net charge-offs | 538.3598% | 607 |
| Earnings coverage of net charge-offs (x) | 62.3783% | 848 |
| Efficiency ratio | 68.1945% | 3,530 |
| Assets per employee ($millions) | 3.8392% | 4,225 |
| Cash dividends to net income (ytd only)* | 11.9241% | 4,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2678% | 3,074 |
| Loan loss allowance to noncurrent loans | 315.5014% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.6229% | 3,200 |
| Noncurrent loans to loans | 0.4019% | 4,014 |
| Net loans and leases to total assets | 82.9961% | 486 |
| Net loans and leases to deposits | 92.7488% | 1,324 |
| Net loans and leases to core deposits | 102.4805% | 1,327 |
| Total domestic deposits to total assets | 89.4848% | 867 |
| Equity capital to assets | 10.3292% | 3,594 |
| Core capital (leverage) ratio | 10.4565% | 2,976 |
| Tier 1 risk-based capital ratio | 11.9447% | 4,990 |
| Total risk-based capital ratio | 13.1802% | 4,902 |
| Memoranda: | ||
| Average total assets | $1,421,786,400 | 505 |
| Average earning assets | $1,337,317,200 | 487 |
| Average equity | $146,458,200 | 518 |
| Average total loans | $1,225,861,600 | 408 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3671% | 2,023 |
| Cost of funding earning assets | 0.2410% | 4,985 |
| Net interest margin | 4.1261% | 1,332 |
| Noninterest income to average assets | 1.3979% | 637 |
| Noninterest expense to average assets | 3.5878% | 1,140 |
| Loan and lease loss provision to assets | 0.1834% | 1,130 |
| Net operating income to assets | 0.9794% | 2,574 |
| Return on assets (ROA) | 0.9794% | 2,652 |
| Pretax return on assets | 1.5047% | 1,675 |
| Return on Equity (ROE) | 9.5151% | 2,310 |
| Retained earnings to average equity (ytd only) | 8.2012% | 1,166 |
| Net charge-offs to loans | 0.0285% | 3,373 |
| Credit loss provision to net charge-offs | 741.3793% | 466 |
| Earnings coverage of net charge-offs (x) | 68.2416% | 827 |
| Efficiency ratio | 68.0038% | 3,539 |
| Assets per employee ($millions) | 3.8478% | 4,181 |
| Cash dividends to net income (ytd only)* | 13.8088% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 3,318 |
| Loan loss allowance to noncurrent loans | 340.5341% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.6398% | 3,340 |
| Noncurrent loans to loans | 0.3696% | 4,289 |
| Net loans and leases to total assets | 84.6196% | 336 |
| Net loans and leases to deposits | 94.4291% | 1,151 |
| Net loans and leases to core deposits | 104.4031% | 1,204 |
| Total domestic deposits to total assets | 89.6118% | 728 |
| Equity capital to assets | 10.2082% | 3,923 |
| Core capital (leverage) ratio | 10.3890% | 3,172 |
| Tier 1 risk-based capital ratio | 11.3378% | 5,468 |
| Total risk-based capital ratio | 12.5364% | 5,398 |
| Memoranda: | ||
| Average total assets | $1,406,751,000 | 504 |
| Average earning assets | $1,322,189,500 | 493 |
| Average equity | $144,804,750 | 523 |
| Average total loans | $1,220,892,750 | 414 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 1,992 |
| Cost of funding earning assets | 0.2372% | 5,081 |
| Net interest margin | 4.1190% | 1,307 |
| Noninterest income to average assets | 1.4182% | 631 |
| Noninterest expense to average assets | 3.6219% | 1,085 |
| Loan and lease loss provision to assets | 0.2163% | 879 |
| Net operating income to assets | 0.9412% | 2,679 |
| Return on assets (ROA) | 0.9412% | 2,804 |
| Pretax return on assets | 1.4459% | 1,816 |
| Return on Equity (ROE) | 9.1166% | 2,478 |
| Retained earnings to average equity (ytd only) | 7.2380% | 1,598 |
| Net charge-offs to loans | 0.0448% | 2,802 |
| Credit loss provision to net charge-offs | 553.5055% | 587 |
| Earnings coverage of net charge-offs (x) | 42.5351% | 1,083 |
| Efficiency ratio | 68.5441% | 3,587 |
| Assets per employee ($millions) | 3.6930% | 4,439 |
| Cash dividends to net income (ytd only)* | 20.6067% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 3,608 |
| Loan loss allowance to noncurrent loans | 299.0076% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.6920% | 3,330 |
| Noncurrent loans to loans | 0.4122% | 4,243 |
| Net loans and leases to total assets | 87.5066% | 164 |
| Net loans and leases to deposits | 97.8030% | 811 |
| Net loans and leases to core deposits | 108.5586% | 919 |
| Total domestic deposits to total assets | 89.4723% | 912 |
| Equity capital to assets | 10.3701% | 3,590 |
| Core capital (leverage) ratio | 10.4458% | 3,031 |
| Tier 1 risk-based capital ratio | 11.0299% | 5,696 |
| Total risk-based capital ratio | 12.1915% | 5,654 |
| Memoranda: | ||
| Average total assets | $1,387,000,000 | 512 |
| Average earning assets | $1,301,787,000 | 497 |
| Average equity | $143,189,000 | 530 |
| Average total loans | $1,209,078,000 | 416 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 2,146 |
| Cost of funding earning assets | 0.2292% | 5,226 |
| Net interest margin | 4.0561% | 1,397 |
| Noninterest income to average assets | 1.2790% | 698 |
| Noninterest expense to average assets | 3.6102% | 1,124 |
| Loan and lease loss provision to assets | 0.1743% | 1,124 |
| Net operating income to assets | 0.8462% | 3,028 |
| Return on assets (ROA) | 0.8462% | 3,149 |
| Pretax return on assets | 1.2991% | 2,290 |
| Return on Equity (ROE) | 8.2155% | 2,848 |
| Retained earnings to average equity (ytd only) | 6.1567% | 2,396 |
| Net charge-offs to loans | 0.0988% | 1,736 |
| Credit loss provision to net charge-offs | 204.0816% | 1,031 |
| Earnings coverage of net charge-offs (x) | 17.2517% | 1,531 |
| Efficiency ratio | 71.0171% | 3,317 |
| Assets per employee ($millions) | 3.6233% | 4,681 |
| Cash dividends to net income (ytd only)* | 25.0601% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 3,993 |
| Loan loss allowance to noncurrent loans | 585.2512% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.6547% | 3,536 |
| Noncurrent loans to loans | 0.2048% | 5,043 |
| Net loans and leases to total assets | 85.5785% | 216 |
| Net loans and leases to deposits | 95.5422% | 864 |
| Net loans and leases to core deposits | 106.1925% | 925 |
| Total domestic deposits to total assets | 89.5713% | 957 |
| Equity capital to assets | 10.2723% | 3,799 |
| Core capital (leverage) ratio | 10.5839% | 2,869 |
| Tier 1 risk-based capital ratio | 11.1929% | 5,717 |
| Total risk-based capital ratio | 12.3245% | 5,692 |
| Memoranda: | ||
| Average total assets | $1,376,991,000 | 520 |
| Average earning assets | $1,291,570,000 | 505 |
| Average equity | $141,829,000 | 533 |
| Average total loans | $1,190,317,000 | 421 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 2,437 |
| Cost of funding earning assets | 0.2581% | 5,240 |
| Net interest margin | 4.0872% | 1,620 |
| Noninterest income to average assets | 1.0871% | 1,027 |
| Noninterest expense to average assets | 3.5169% | 1,448 |
| Loan and lease loss provision to assets | 0.0894% | 2,683 |
| Net operating income to assets | 0.8411% | 3,167 |
| Return on assets (ROA) | 0.8411% | 3,259 |
| Pretax return on assets | 1.2914% | 2,271 |
| Return on Equity (ROE) | 8.2072% | 3,019 |
| Retained earnings to average equity (ytd only) | 5.8667% | 2,009 |
| Net charge-offs to loans | 0.0392% | 4,040 |
| Credit loss provision to net charge-offs | 272.9358% | 932 |
| Earnings coverage of net charge-offs (x) | 42.1720% | 1,038 |
| Efficiency ratio | 71.8077% | 3,238 |
| Assets per employee ($millions) | 3.6337% | 4,656 |
| Cash dividends to net income (ytd only)* | 28.5179% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,982 |
| Loan loss allowance to noncurrent loans | 460.0390% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.7123% | 3,440 |
| Noncurrent loans to loans | 0.2614% | 4,904 |
| Net loans and leases to total assets | 85.2290% | 261 |
| Net loans and leases to deposits | 95.2501% | 963 |
| Net loans and leases to core deposits | 106.3379% | 996 |
| Total domestic deposits to total assets | 89.4791% | 983 |
| Equity capital to assets | 10.3281% | 3,691 |
| Core capital (leverage) ratio | 10.4304% | 3,023 |
| Tier 1 risk-based capital ratio | 11.9000% | 5,427 |
| Total risk-based capital ratio | 13.0953% | 5,371 |
| Memoranda: | ||
| Average total assets | $1,331,652,800 | 512 |
| Average earning assets | $1,241,521,200 | 502 |
| Average equity | $136,465,200 | 530 |
| Average total loans | $1,112,023,600 | 422 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 2,512 |
| Cost of funding earning assets | 0.2633% | 5,270 |
| Net interest margin | 4.0649% | 1,678 |
| Noninterest income to average assets | 1.0934% | 1,021 |
| Noninterest expense to average assets | 3.5222% | 1,428 |
| Loan and lease loss provision to assets | 0.0695% | 2,958 |
| Net operating income to assets | 0.8413% | 3,228 |
| Return on assets (ROA) | 0.8413% | 3,316 |
| Pretax return on assets | 1.2856% | 2,433 |
| Return on Equity (ROE) | 8.2264% | 3,083 |
| Retained earnings to average equity (ytd only) | 5.7488% | 2,574 |
| Net charge-offs to loans | 0.0212% | 4,099 |
| Credit loss provision to net charge-offs | 396.5517% | 707 |
| Earnings coverage of net charge-offs (x) | 77.3290% | 719 |
| Efficiency ratio | 72.2171% | 3,142 |
| Assets per employee ($millions) | 3.7178% | 4,456 |
| Cash dividends to net income (ytd only)* | 30.1173% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 4,105 |
| Loan loss allowance to noncurrent loans | 648.2743% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.7126% | 3,682 |
| Noncurrent loans to loans | 0.1890% | 5,343 |
| Net loans and leases to total assets | 82.3324% | 481 |
| Net loans and leases to deposits | 91.8455% | 1,244 |
| Net loans and leases to core deposits | 101.9575% | 1,215 |
| Total domestic deposits to total assets | 89.6423% | 914 |
| Equity capital to assets | 10.1834% | 3,950 |
| Core capital (leverage) ratio | 10.3010% | 3,296 |
| Tier 1 risk-based capital ratio | 12.0661% | 5,445 |
| Total risk-based capital ratio | 13.2764% | 5,380 |
| Memoranda: | ||
| Average total assets | $1,323,907,750 | 517 |
| Average earning assets | $1,232,384,000 | 506 |
| Average equity | $135,398,000 | 534 |
| Average total loans | $1,096,155,750 | 427 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,449 |
| Cost of funding earning assets | 0.2676% | 5,311 |
| Net interest margin | 4.0677% | 1,617 |
| Noninterest income to average assets | 1.1113% | 962 |
| Noninterest expense to average assets | 3.5348% | 1,415 |
| Loan and lease loss provision to assets | 0.0656% | 2,957 |
| Net operating income to assets | 0.8472% | 3,086 |
| Return on assets (ROA) | 0.8472% | 3,191 |
| Pretax return on assets | 1.2914% | 2,285 |
| Return on Equity (ROE) | 8.2714% | 2,946 |
| Retained earnings to average equity (ytd only) | 4.6597% | 3,180 |
| Net charge-offs to loans | 0.0004% | 4,372 |
| Credit loss provision to net charge-offs | 21,500.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 4,449.5000% | 6 |
| Efficiency ratio | 72.2608% | 3,286 |
| Assets per employee ($millions) | 3.5714% | 4,716 |
| Cash dividends to net income (ytd only)* | 43.6645% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 4,104 |
| Loan loss allowance to noncurrent loans | 681.3518% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 3,392 |
| Noncurrent loans to loans | 0.1846% | 5,459 |
| Net loans and leases to total assets | 82.2730% | 446 |
| Net loans and leases to deposits | 91.9030% | 1,163 |
| Net loans and leases to core deposits | 102.4774% | 1,105 |
| Total domestic deposits to total assets | 89.5216% | 1,076 |
| Equity capital to assets | 10.3093% | 3,679 |
| Core capital (leverage) ratio | 10.4440% | 3,023 |
| Tier 1 risk-based capital ratio | 12.2255% | 5,404 |
| Total risk-based capital ratio | 13.4683% | 5,327 |
| Memoranda: | ||
| Average total assets | $1,311,644,330 | 523 |
| Average earning assets | $1,219,013,330 | 510 |
| Average equity | $134,342,000 | 537 |
| Average total loans | $1,083,476,330 | 429 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,526 |
| Cost of funding earning assets | 0.2781% | 5,303 |
| Net interest margin | 4.0203% | 1,686 |
| Noninterest income to average assets | 1.0561% | 1,004 |
| Noninterest expense to average assets | 3.5557% | 1,388 |
| Loan and lease loss provision to assets | 0.0886% | 2,436 |
| Net operating income to assets | 0.7615% | 3,350 |
| Return on assets (ROA) | 0.7615% | 3,435 |
| Pretax return on assets | 1.1509% | 2,693 |
| Return on Equity (ROE) | 7.4590% | 3,230 |
| Retained earnings to average equity (ytd only) | 3.2339% | 4,181 |
| Net charge-offs to loans | 0.0260% | 3,050 |
| Credit loss provision to net charge-offs | 414.2857% | 637 |
| Earnings coverage of net charge-offs (x) | 57.9286% | 671 |
| Efficiency ratio | 74.1506% | 3,110 |
| Assets per employee ($millions) | 3.6380% | 4,648 |
| Cash dividends to net income (ytd only)* | 56.6439% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 4,334 |
| Loan loss allowance to noncurrent loans | 334.0619% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 1.0217% | 3,214 |
| Noncurrent loans to loans | 0.3766% | 4,996 |
| Net loans and leases to total assets | 81.0748% | 453 |
| Net loans and leases to deposits | 90.4312% | 1,099 |
| Net loans and leases to core deposits | 100.0438% | 1,104 |
| Total domestic deposits to total assets | 89.6536% | 1,275 |
| Equity capital to assets | 10.1605% | 3,653 |
| Core capital (leverage) ratio | 10.3851% | 3,067 |
| Tier 1 risk-based capital ratio | 12.3236% | 5,424 |
| Total risk-based capital ratio | 13.5736% | 5,352 |
| Memoranda: | ||
| Average total assets | $1,308,551,000 | 526 |
| Average earning assets | $1,217,032,500 | 511 |
| Average equity | $133,583,500 | 544 |
| Average total loans | $1,076,199,500 | 426 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 2,310 |
| Cost of funding earning assets | 0.3353% | 5,282 |
| Net interest margin | 4.1367% | 1,554 |
| Noninterest income to average assets | 1.5107% | 619 |
| Noninterest expense to average assets | 3.8003% | 1,134 |
| Loan and lease loss provision to assets | 0.1141% | 2,909 |
| Net operating income to assets | 0.9593% | 2,516 |
| Return on assets (ROA) | 0.9593% | 2,583 |
| Pretax return on assets | 1.4337% | 1,673 |
| Return on Equity (ROE) | 9.4504% | 2,346 |
| Retained earnings to average equity (ytd only) | 2.0094% | 4,803 |
| Net charge-offs to loans | 0.1834% | 3,005 |
| Credit loss provision to net charge-offs | 74.8842% | 3,177 |
| Earnings coverage of net charge-offs (x) | 10.1585% | 2,413 |
| Efficiency ratio | 71.0587% | 3,657 |
| Assets per employee ($millions) | 3.5916% | 4,701 |
| Cash dividends to net income (ytd only)* | 78.7378% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,391 |
| Loan loss allowance to noncurrent loans | 245.8754% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 1.1307% | 3,135 |
| Noncurrent loans to loans | 0.5082% | 4,726 |
| Net loans and leases to total assets | 81.3519% | 463 |
| Net loans and leases to deposits | 90.8461% | 1,173 |
| Net loans and leases to core deposits | 100.5651% | 1,114 |
| Total domestic deposits to total assets | 89.5491% | 1,301 |
| Equity capital to assets | 10.2571% | 3,439 |
| Core capital (leverage) ratio | 10.3528% | 3,085 |
| Tier 1 risk-based capital ratio | 12.3424% | 5,402 |
| Total risk-based capital ratio | 13.5810% | 5,333 |
| Memoranda: | ||
| Average total assets | $1,275,203,200 | 518 |
| Average earning assets | $1,182,951,600 | 506 |
| Average equity | $129,444,800 | 548 |
| Average total loans | $1,059,227,600 | 411 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 2,308 |
| Cost of funding earning assets | 0.3458% | 5,336 |
| Net interest margin | 4.1352% | 1,524 |
| Noninterest income to average assets | 1.6211% | 559 |
| Noninterest expense to average assets | 3.8428% | 1,034 |
| Loan and lease loss provision to assets | 0.1434% | 2,489 |
| Net operating income to assets | 0.9816% | 2,459 |
| Return on assets (ROA) | 0.9816% | 2,563 |
| Pretax return on assets | 1.4670% | 1,709 |
| Return on Equity (ROE) | 9.6957% | 2,306 |
| Retained earnings to average equity (ytd only) | -0.2169% | 5,980 |
| Net charge-offs to loans | 0.1796% | 2,788 |
| Credit loss provision to net charge-offs | 95.9241% | 2,486 |
| Earnings coverage of net charge-offs (x) | 10.7709% | 2,319 |
| Efficiency ratio | 70.4688% | 3,678 |
| Assets per employee ($millions) | 3.5132% | 4,819 |
| Cash dividends to net income (ytd only)* | 102.2372% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 4,423 |
| Loan loss allowance to noncurrent loans | 193.2699% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 1.1736% | 3,310 |
| Noncurrent loans to loans | 0.6699% | 4,527 |
| Net loans and leases to total assets | 80.5806% | 489 |
| Net loans and leases to deposits | 89.7426% | 1,197 |
| Net loans and leases to core deposits | 99.5755% | 1,150 |
| Total domestic deposits to total assets | 89.7907% | 1,112 |
| Equity capital to assets | 9.9892% | 3,915 |
| Core capital (leverage) ratio | 10.1650% | 3,453 |
| Tier 1 risk-based capital ratio | 12.2698% | 5,589 |
| Total risk-based capital ratio | 13.5204% | 5,529 |
| Memoranda: | ||
| Average total assets | $1,268,964,000 | 520 |
| Average earning assets | $1,175,956,000 | 510 |
| Average equity | $128,466,250 | 558 |
| Average total loans | $1,056,262,500 | 412 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 2,135 |
| Cost of funding earning assets | 0.3532% | 5,373 |
| Net interest margin | 4.1628% | 1,371 |
| Noninterest income to average assets | 1.7346% | 555 |
| Noninterest expense to average assets | 3.8892% | 994 |
| Loan and lease loss provision to assets | 0.1791% | 2,120 |
| Net operating income to assets | 1.0198% | 2,244 |
| Return on assets (ROA) | 1.0198% | 2,365 |
| Pretax return on assets | 1.5241% | 1,549 |
| Return on Equity (ROE) | 10.0273% | 2,187 |
| Retained earnings to average equity (ytd only) | -4.7882% | 6,447 |
| Net charge-offs to loans | 0.2669% | 2,140 |
| Credit loss provision to net charge-offs | 80.0712% | 2,621 |
| Earnings coverage of net charge-offs (x) | 7.6149% | 2,524 |
| Efficiency ratio | 69.5437% | 3,918 |
| Assets per employee ($millions) | 3.3678% | 5,134 |
| Cash dividends to net income (ytd only)* | 147.7521% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 4,595 |
| Loan loss allowance to noncurrent loans | 214.5044% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 3,182 |
| Noncurrent loans to loans | 0.5978% | 4,762 |
| Net loans and leases to total assets | 83.7443% | 251 |
| Net loans and leases to deposits | 93.4822% | 846 |
| Net loans and leases to core deposits | 104.3487% | 829 |
| Total domestic deposits to total assets | 89.5831% | 1,273 |
| Equity capital to assets | 10.2205% | 3,642 |
| Core capital (leverage) ratio | 10.4109% | 2,975 |
| Tier 1 risk-based capital ratio | 12.0687% | 5,752 |
| Total risk-based capital ratio | 13.3191% | 5,704 |
| Memoranda: | ||
| Average total assets | $1,256,314,670 | 523 |
| Average earning assets | $1,164,262,000 | 511 |
| Average equity | $127,771,670 | 562 |
| Average total loans | $1,052,706,670 | 410 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 2,139 |
| Cost of funding earning assets | 0.3610% | 5,441 |
| Net interest margin | 4.1470% | 1,337 |
| Noninterest income to average assets | 1.7705% | 515 |
| Noninterest expense to average assets | 3.8516% | 1,056 |
| Loan and lease loss provision to assets | 0.2191% | 1,693 |
| Net operating income to assets | 1.0310% | 2,106 |
| Return on assets (ROA) | 1.0310% | 2,219 |
| Pretax return on assets | 1.5406% | 1,453 |
| Return on Equity (ROE) | 10.1622% | 2,004 |
| Retained earnings to average equity (ytd only) | -18.5028% | 6,816 |
| Net charge-offs to loans | 0.4228% | 1,395 |
| Credit loss provision to net charge-offs | 62.2182% | 2,412 |
| Earnings coverage of net charge-offs (x) | 4.9973% | 2,429 |
| Efficiency ratio | 68.6397% | 4,202 |
| Assets per employee ($millions) | 3.3716% | 5,276 |
| Cash dividends to net income (ytd only)* | 282.0758% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 4,745 |
| Loan loss allowance to noncurrent loans | 226.7318% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 3,435 |
| Noncurrent loans to loans | 0.5700% | 5,013 |
| Net loans and leases to total assets | 82.8027% | 249 |
| Net loans and leases to deposits | 92.2710% | 779 |
| Net loans and leases to core deposits | 101.6882% | 843 |
| Total domestic deposits to total assets | 89.7387% | 1,195 |
| Equity capital to assets | 10.0623% | 4,063 |
| Core capital (leverage) ratio | 10.0677% | 3,306 |
| Tier 1 risk-based capital ratio | 12.1171% | 5,843 |
| Total risk-based capital ratio | 13.3679% | 5,793 |
| Memoranda: | ||
| Average total assets | $1,259,744,500 | 524 |
| Average earning assets | $1,166,717,500 | 510 |
| Average equity | $127,807,500 | 569 |
| Average total loans | $1,049,091,000 | 412 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 3,043 |
| Cost of funding earning assets | 0.4541% | 5,554 |
| Net interest margin | 4.1357% | 1,868 |
| Noninterest income to average assets | 1.5957% | 625 |
| Noninterest expense to average assets | 3.7307% | 1,359 |
| Loan and lease loss provision to assets | 0.2307% | 2,825 |
| Net operating income to assets | 1.0108% | 2,292 |
| Return on assets (ROA) | 1.0108% | 2,507 |
| Pretax return on assets | 1.4727% | 1,770 |
| Return on Equity (ROE) | 9.5590% | 2,381 |
| Retained earnings to average equity (ytd only) | 1.0803% | 5,332 |
| Net charge-offs to loans | 0.1800% | 3,934 |
| Credit loss provision to net charge-offs | 160.7645% | 1,673 |
| Earnings coverage of net charge-offs (x) | 11.8696% | 1,995 |
| Efficiency ratio | 68.6534% | 4,029 |
| Assets per employee ($millions) | 3.5819% | 4,821 |
| Cash dividends to net income (ytd only)* | 88.6991% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3119% | 4,575 |
| Loan loss allowance to noncurrent loans | 167.2414% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 1.5108% | 3,118 |
| Noncurrent loans to loans | 0.7844% | 4,613 |
| Net loans and leases to total assets | 81.6026% | 352 |
| Net loans and leases to deposits | 91.1293% | 969 |
| Net loans and leases to core deposits | 100.3584% | 1,002 |
| Total domestic deposits to total assets | 89.5459% | 1,221 |
| Equity capital to assets | 10.2262% | 3,858 |
| Core capital (leverage) ratio | 10.5068% | 2,759 |
| Tier 1 risk-based capital ratio | 12.5804% | 5,417 |
| Total risk-based capital ratio | 13.8315% | 5,364 |
| Memoranda: | ||
| Average total assets | $1,239,633,600 | 531 |
| Average earning assets | $1,150,508,000 | 516 |
| Average equity | $131,080,600 | 550 |
| Average total loans | $988,164,000 | 425 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6015% | 3,190 |
| Cost of funding earning assets | 0.4771% | 5,585 |
| Net interest margin | 4.1244% | 2,008 |
| Noninterest income to average assets | 1.4658% | 692 |
| Noninterest expense to average assets | 3.6469% | 1,462 |
| Loan and lease loss provision to assets | 0.1908% | 3,203 |
| Net operating income to assets | 1.0126% | 2,440 |
| Return on assets (ROA) | 1.0126% | 2,670 |
| Pretax return on assets | 1.4625% | 2,028 |
| Return on Equity (ROE) | 9.4946% | 2,592 |
| Retained earnings to average equity (ytd only) | -0.8529% | 6,253 |
| Net charge-offs to loans | 0.0913% | 4,463 |
| Credit loss provision to net charge-offs | 264.6617% | 1,040 |
| Earnings coverage of net charge-offs (x) | 22.9325% | 1,334 |
| Efficiency ratio | 68.8075% | 3,911 |
| Assets per employee ($millions) | 3.5102% | 4,961 |
| Cash dividends to net income (ytd only)* | 108.9829% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 4,521 |
| Loan loss allowance to noncurrent loans | 140.1393% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.8315% | 2,884 |
| Noncurrent loans to loans | 0.9741% | 4,492 |
| Net loans and leases to total assets | 81.1986% | 415 |
| Net loans and leases to deposits | 90.8156% | 1,065 |
| Net loans and leases to core deposits | 99.8132% | 1,135 |
| Total domestic deposits to total assets | 89.4104% | 1,183 |
| Equity capital to assets | 10.4015% | 3,959 |
| Core capital (leverage) ratio | 10.3665% | 3,082 |
| Tier 1 risk-based capital ratio | 12.6145% | 5,551 |
| Total risk-based capital ratio | 13.8659% | 5,510 |
| Memoranda: | ||
| Average total assets | $1,229,858,500 | 536 |
| Average earning assets | $1,143,366,250 | 524 |
| Average equity | $131,159,250 | 552 |
| Average total loans | $970,867,250 | 431 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 3,430 |
| Cost of funding earning assets | 0.5016% | 5,607 |
| Net interest margin | 4.0830% | 2,153 |
| Noninterest income to average assets | 1.3375% | 800 |
| Noninterest expense to average assets | 3.5879% | 1,608 |
| Loan and lease loss provision to assets | 0.1564% | 3,563 |
| Net operating income to assets | 0.9784% | 2,551 |
| Return on assets (ROA) | 0.9784% | 2,789 |
| Pretax return on assets | 1.3861% | 2,252 |
| Return on Equity (ROE) | 9.0988% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.2203% | 1,559 |
| Net charge-offs to loans | 0.1436% | 3,769 |
| Credit loss provision to net charge-offs | 139.9417% | 1,969 |
| Earnings coverage of net charge-offs (x) | 13.8047% | 1,759 |
| Efficiency ratio | 69.9356% | 3,777 |
| Assets per employee ($millions) | 3.6095% | 4,737 |
| Cash dividends to net income (ytd only)* | 9.6554% | 3,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 4,673 |
| Loan loss allowance to noncurrent loans | 126.4544% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 1.8375% | 2,985 |
| Noncurrent loans to loans | 1.0659% | 4,386 |
| Net loans and leases to total assets | 78.3721% | 683 |
| Net loans and leases to deposits | 88.2536% | 1,347 |
| Net loans and leases to core deposits | 97.2855% | 1,319 |
| Total domestic deposits to total assets | 88.8033% | 1,636 |
| Equity capital to assets | 11.0482% | 3,065 |
| Core capital (leverage) ratio | 11.0983% | 2,207 |
| Tier 1 risk-based capital ratio | 13.8064% | 4,591 |
| Total risk-based capital ratio | 15.0575% | 4,565 |
| Memoranda: | ||
| Average total assets | $1,227,949,330 | 541 |
| Average earning assets | $1,140,672,330 | 528 |
| Average equity | $132,039,330 | 545 |
| Average total loans | $955,435,000 | 438 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 3,474 |
| Cost of funding earning assets | 0.5268% | 5,624 |
| Net interest margin | 4.0792% | 2,176 |
| Noninterest income to average assets | 1.3381% | 797 |
| Noninterest expense to average assets | 3.5113% | 1,741 |
| Loan and lease loss provision to assets | 0.1559% | 3,430 |
| Net operating income to assets | 0.9689% | 2,597 |
| Return on assets (ROA) | 0.9689% | 2,801 |
| Pretax return on assets | 1.4572% | 2,000 |
| Return on Equity (ROE) | 9.1348% | 2,770 |
| Retained earnings to average equity (ytd only) | 7.9563% | 1,994 |
| Net charge-offs to loans | 0.1961% | 2,941 |
| Credit loss provision to net charge-offs | 103.2258% | 2,236 |
| Earnings coverage of net charge-offs (x) | 10.6839% | 1,736 |
| Efficiency ratio | 68.5211% | 4,066 |
| Assets per employee ($millions) | 3.7317% | 4,577 |
| Cash dividends to net income (ytd only)* | 12.9021% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 4,758 |
| Loan loss allowance to noncurrent loans | 133.4549% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8053% | 3,166 |
| Noncurrent loans to loans | 1.0209% | 4,637 |
| Net loans and leases to total assets | 74.8267% | 945 |
| Net loans and leases to deposits | 84.6280% | 1,583 |
| Net loans and leases to core deposits | 93.9209% | 1,473 |
| Total domestic deposits to total assets | 88.4184% | 2,060 |
| Equity capital to assets | 10.6515% | 3,321 |
| Core capital (leverage) ratio | 10.9516% | 2,297 |
| Tier 1 risk-based capital ratio | 13.9078% | 4,524 |
| Total risk-based capital ratio | 15.1591% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,231,921,000 | 541 |
| Average earning assets | $1,143,461,000 | 522 |
| Average equity | $130,664,500 | 549 |
| Average total loans | $948,548,500 | 439 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 3,640 |
| Cost of funding earning assets | 0.7263% | 5,364 |
| Net interest margin | 4.1111% | 2,385 |
| Noninterest income to average assets | 1.2012% | 919 |
| Noninterest expense to average assets | 3.4292% | 2,173 |
| Loan and lease loss provision to assets | 0.2493% | 3,711 |
| Net operating income to assets | 0.9059% | 2,576 |
| Return on assets (ROA) | 0.9059% | 2,702 |
| Pretax return on assets | 1.3611% | 1,910 |
| Return on Equity (ROE) | 8.7363% | 2,574 |
| Retained earnings to average equity (ytd only) | -7.4253% | 6,597 |
| Net charge-offs to loans | 0.4287% | 3,290 |
| Credit loss provision to net charge-offs | 74.3863% | 4,692 |
| Earnings coverage of net charge-offs (x) | 4.8054% | 2,972 |
| Efficiency ratio | 68.0462% | 4,347 |
| Assets per employee ($millions) | 3.7345% | 4,476 |
| Cash dividends to net income (ytd only)* | 184.9936% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 4,726 |
| Loan loss allowance to noncurrent loans | 81.1034% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 2.3557% | 2,567 |
| Noncurrent loans to loans | 1.6474% | 3,689 |
| Net loans and leases to total assets | 77.1036% | 812 |
| Net loans and leases to deposits | 87.0826% | 1,509 |
| Net loans and leases to core deposits | 95.9556% | 1,494 |
| Total domestic deposits to total assets | 88.5408% | 1,827 |
| Equity capital to assets | 10.5611% | 3,461 |
| Core capital (leverage) ratio | 10.6827% | 2,539 |
| Tier 1 risk-based capital ratio | 13.5248% | 4,678 |
| Total risk-based capital ratio | 14.7759% | 4,645 |
| Memoranda: | ||
| Average total assets | $1,203,478,800 | 543 |
| Average earning assets | $1,123,630,000 | 525 |
| Average equity | $124,789,800 | 554 |
| Average total loans | $940,841,600 | 447 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 3,736 |
| Cost of funding earning assets | 0.7682% | 5,347 |
| Net interest margin | 4.0911% | 2,510 |
| Noninterest income to average assets | 1.1149% | 1,072 |
| Noninterest expense to average assets | 3.3923% | 2,208 |
| Loan and lease loss provision to assets | 0.2504% | 3,502 |
| Net operating income to assets | 0.8639% | 2,893 |
| Return on assets (ROA) | 0.8639% | 3,041 |
| Pretax return on assets | 1.2972% | 2,295 |
| Return on Equity (ROE) | 8.3710% | 2,888 |
| Retained earnings to average equity (ytd only) | -12.9409% | 6,943 |
| Net charge-offs to loans | 0.5069% | 2,731 |
| Credit loss provision to net charge-offs | 63.1845% | 4,700 |
| Earnings coverage of net charge-offs (x) | 3.9054% | 3,249 |
| Efficiency ratio | 68.6716% | 4,179 |
| Assets per employee ($millions) | 3.7129% | 4,511 |
| Cash dividends to net income (ytd only)* | 254.5922% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 4,903 |
| Loan loss allowance to noncurrent loans | 73.9436% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.3237% | 2,763 |
| Noncurrent loans to loans | 1.7885% | 3,650 |
| Net loans and leases to total assets | 76.8940% | 852 |
| Net loans and leases to deposits | 86.7031% | 1,586 |
| Net loans and leases to core deposits | 95.4299% | 1,657 |
| Total domestic deposits to total assets | 88.6866% | 1,635 |
| Equity capital to assets | 10.4290% | 3,792 |
| Core capital (leverage) ratio | 10.4601% | 2,918 |
| Tier 1 risk-based capital ratio | 13.3234% | 4,866 |
| Total risk-based capital ratio | 14.5743% | 4,839 |
| Memoranda: | ||
| Average total assets | $1,198,119,000 | 551 |
| Average earning assets | $1,120,194,250 | 528 |
| Average equity | $123,646,000 | 563 |
| Average total loans | $936,740,500 | 449 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8498% | 3,867 |
| Cost of funding earning assets | 0.8002% | 5,366 |
| Net interest margin | 4.0496% | 2,615 |
| Noninterest income to average assets | 1.0741% | 1,131 |
| Noninterest expense to average assets | 3.4051% | 2,243 |
| Loan and lease loss provision to assets | 0.2515% | 3,390 |
| Net operating income to assets | 0.8080% | 3,030 |
| Return on assets (ROA) | 0.8080% | 3,153 |
| Pretax return on assets | 1.2125% | 2,432 |
| Return on Equity (ROE) | 7.8578% | 3,011 |
| Retained earnings to average equity (ytd only) | 6.7963% | 1,968 |
| Net charge-offs to loans | 0.6080% | 2,307 |
| Credit loss provision to net charge-offs | 52.8541% | 4,512 |
| Earnings coverage of net charge-offs (x) | 3.0765% | 3,314 |
| Efficiency ratio | 69.9335% | 4,135 |
| Assets per employee ($millions) | 3.6510% | 4,562 |
| Cash dividends to net income (ytd only)* | 13.5090% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 4,898 |
| Loan loss allowance to noncurrent loans | 66.2194% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 2.2049% | 2,975 |
| Noncurrent loans to loans | 2.0155% | 3,461 |
| Net loans and leases to total assets | 76.6031% | 981 |
| Net loans and leases to deposits | 86.2686% | 1,757 |
| Net loans and leases to core deposits | 95.2238% | 1,761 |
| Total domestic deposits to total assets | 88.7960% | 1,670 |
| Equity capital to assets | 10.3577% | 3,683 |
| Core capital (leverage) ratio | 10.5071% | 2,708 |
| Tier 1 risk-based capital ratio | 13.5698% | 4,478 |
| Total risk-based capital ratio | 14.8211% | 4,451 |
| Memoranda: | ||
| Average total assets | $1,192,790,330 | 559 |
| Average earning assets | $1,117,780,000 | 533 |
| Average equity | $122,655,000 | 570 |
| Average total loans | $933,625,330 | 458 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 3,736 |
| Cost of funding earning assets | 0.8358% | 5,359 |
| Net interest margin | 4.0312% | 2,560 |
| Noninterest income to average assets | 1.1069% | 1,068 |
| Noninterest expense to average assets | 3.4406% | 2,171 |
| Loan and lease loss provision to assets | 0.2528% | 3,131 |
| Net operating income to assets | 0.7975% | 3,049 |
| Return on assets (ROA) | 0.7975% | 3,118 |
| Pretax return on assets | 1.1965% | 2,385 |
| Return on Equity (ROE) | 7.7838% | 3,013 |
| Retained earnings to average equity (ytd only) | 6.4481% | 2,394 |
| Net charge-offs to loans | 0.6283% | 1,946 |
| Credit loss provision to net charge-offs | 51.1945% | 3,724 |
| Earnings coverage of net charge-offs (x) | 2.9352% | 2,908 |
| Efficiency ratio | 70.3612% | 4,186 |
| Assets per employee ($millions) | 3.6601% | 4,630 |
| Cash dividends to net income (ytd only)* | 17.1598% | 2,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 4,600 |
| Loan loss allowance to noncurrent loans | 59.6469% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 2.3698% | 2,876 |
| Noncurrent loans to loans | 2.3671% | 3,120 |
| Net loans and leases to total assets | 76.4764% | 967 |
| Net loans and leases to deposits | 86.2122% | 1,695 |
| Net loans and leases to core deposits | 95.4204% | 1,726 |
| Total domestic deposits to total assets | 88.7072% | 1,954 |
| Equity capital to assets | 10.2411% | 3,481 |
| Core capital (leverage) ratio | 10.4580% | 2,658 |
| Tier 1 risk-based capital ratio | 13.5414% | 4,400 |
| Total risk-based capital ratio | 14.7938% | 4,364 |
| Memoranda: | ||
| Average total assets | $1,186,765,000 | 566 |
| Average earning assets | $1,113,717,500 | 538 |
| Average equity | $121,585,500 | 574 |
| Average total loans | $932,723,000 | 466 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2510% | 3,359 |
| Cost of funding earning assets | 0.9816% | 5,773 |
| Net interest margin | 4.2694% | 1,921 |
| Noninterest income to average assets | 1.1362% | 1,143 |
| Noninterest expense to average assets | 3.5781% | 1,978 |
| Loan and lease loss provision to assets | 0.4156% | 3,615 |
| Net operating income to assets | 0.7553% | 2,978 |
| Return on assets (ROA) | 0.7553% | 3,100 |
| Pretax return on assets | 1.1296% | 2,463 |
| Return on Equity (ROE) | 7.6112% | 2,844 |
| Retained earnings to average equity (ytd only) | 6.8178% | 1,402 |
| Net charge-offs to loans | 0.5069% | 3,589 |
| Credit loss provision to net charge-offs | 100.1692% | 4,549 |
| Earnings coverage of net charge-offs (x) | 3.7241% | 3,224 |
| Efficiency ratio | 69.8402% | 4,207 |
| Assets per employee ($millions) | 3.7003% | 4,465 |
| Cash dividends to net income (ytd only)* | 10.4242% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 4,152 |
| Loan loss allowance to noncurrent loans | 51.9701% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.6054% | 2,676 |
| Noncurrent loans to loans | 2.8385% | 2,681 |
| Net loans and leases to total assets | 78.4586% | 879 |
| Net loans and leases to deposits | 88.6126% | 1,703 |
| Net loans and leases to core deposits | 97.0568% | 1,887 |
| Total domestic deposits to total assets | 88.5411% | 1,928 |
| Equity capital to assets | 10.2492% | 3,443 |
| Core capital (leverage) ratio | 10.3063% | 2,765 |
| Tier 1 risk-based capital ratio | 13.2358% | 4,428 |
| Total risk-based capital ratio | 14.4891% | 4,374 |
| Memoranda: | ||
| Average total assets | $1,139,300,800 | 583 |
| Average earning assets | $1,063,940,600 | 568 |
| Average equity | $113,057,800 | 595 |
| Average total loans | $932,594,600 | 481 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 3,331 |
| Cost of funding earning assets | 0.9992% | 5,939 |
| Net interest margin | 4.3058% | 1,830 |
| Noninterest income to average assets | 0.9426% | 1,642 |
| Noninterest expense to average assets | 3.5512% | 1,903 |
| Loan and lease loss provision to assets | 0.4401% | 3,275 |
| Net operating income to assets | 0.6471% | 3,660 |
| Return on assets (ROA) | 0.6471% | 3,826 |
| Pretax return on assets | 0.9646% | 3,316 |
| Return on Equity (ROE) | 6.5770% | 3,542 |
| Retained earnings to average equity (ytd only) | 5.9882% | 2,359 |
| Net charge-offs to loans | 0.4669% | 3,418 |
| Credit loss provision to net charge-offs | 114.3470% | 3,658 |
| Earnings coverage of net charge-offs (x) | 3.6496% | 3,355 |
| Efficiency ratio | 71.6554% | 3,766 |
| Assets per employee ($millions) | 3.6413% | 4,642 |
| Cash dividends to net income (ytd only)* | 8.9533% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,837 |
| Loan loss allowance to noncurrent loans | 50.7930% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.9343% | 2,471 |
| Noncurrent loans to loans | 3.0076% | 2,651 |
| Net loans and leases to total assets | 79.5149% | 823 |
| Net loans and leases to deposits | 89.7483% | 1,757 |
| Net loans and leases to core deposits | 98.3377% | 2,012 |
| Total domestic deposits to total assets | 88.5977% | 1,626 |
| Equity capital to assets | 10.1821% | 3,903 |
| Core capital (leverage) ratio | 10.2300% | 3,003 |
| Tier 1 risk-based capital ratio | 12.8536% | 4,687 |
| Total risk-based capital ratio | 14.1074% | 4,674 |
| Memoranda: | ||
| Average total assets | $1,129,955,000 | 583 |
| Average earning assets | $1,053,221,750 | 567 |
| Average equity | $111,172,000 | 596 |
| Average total loans | $931,485,000 | 479 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3541% | 3,195 |
| Cost of funding earning assets | 1.0098% | 6,094 |
| Net interest margin | 4.3443% | 1,620 |
| Noninterest income to average assets | 0.7539% | 2,371 |
| Noninterest expense to average assets | 3.5266% | 1,964 |
| Loan and lease loss provision to assets | 0.5122% | 2,754 |
| Net operating income to assets | 0.5092% | 4,281 |
| Return on assets (ROA) | 0.5092% | 4,432 |
| Pretax return on assets | 0.7555% | 4,044 |
| Return on Equity (ROE) | 5.2383% | 4,162 |
| Retained earnings to average equity (ytd only) | 4.3368% | 3,314 |
| Net charge-offs to loans | 0.6004% | 2,727 |
| Credit loss provision to net charge-offs | 102.7569% | 3,968 |
| Earnings coverage of net charge-offs (x) | 2.5431% | 3,729 |
| Efficiency ratio | 73.5584% | 3,551 |
| Assets per employee ($millions) | 3.5390% | 4,818 |
| Cash dividends to net income (ytd only)* | 17.2100% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4924% | 3,975 |
| Loan loss allowance to noncurrent loans | 73.4521% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 2.4859% | 2,897 |
| Noncurrent loans to loans | 2.0318% | 3,679 |
| Net loans and leases to total assets | 81.2234% | 640 |
| Net loans and leases to deposits | 91.7145% | 1,578 |
| Net loans and leases to core deposits | 100.3132% | 1,982 |
| Total domestic deposits to total assets | 88.5611% | 1,696 |
| Equity capital to assets | 10.2105% | 3,755 |
| Core capital (leverage) ratio | 10.3827% | 2,734 |
| Tier 1 risk-based capital ratio | 12.6009% | 4,770 |
| Total risk-based capital ratio | 13.8542% | 4,735 |
| Memoranda: | ||
| Average total assets | $1,120,624,000 | 585 |
| Average earning assets | $1,042,237,670 | 570 |
| Average equity | $108,928,330 | 603 |
| Average total loans | $930,305,000 | 481 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3678% | 3,203 |
| Cost of funding earning assets | 1.0340% | 6,206 |
| Net interest margin | 4.3338% | 1,581 |
| Noninterest income to average assets | 1.1006% | 1,042 |
| Noninterest expense to average assets | 3.6240% | 1,684 |
| Loan and lease loss provision to assets | 0.4640% | 2,647 |
| Net operating income to assets | 0.6943% | 3,464 |
| Return on assets (ROA) | 0.6943% | 3,577 |
| Pretax return on assets | 1.0358% | 2,953 |
| Return on Equity (ROE) | 7.3300% | 3,192 |
| Retained earnings to average equity (ytd only) | 6.4034% | 2,411 |
| Net charge-offs to loans | 1.1243% | 1,497 |
| Credit loss provision to net charge-offs | 49.5409% | 4,495 |
| Earnings coverage of net charge-offs (x) | 1.6014% | 3,766 |
| Efficiency ratio | 70.7293% | 4,175 |
| Assets per employee ($millions) | 3.4397% | 5,179 |
| Cash dividends to net income (ytd only)* | 12.6419% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 4,640 |
| Loan loss allowance to noncurrent loans | 92.3031% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 2.3211% | 3,126 |
| Noncurrent loans to loans | 1.4704% | 4,535 |
| Net loans and leases to total assets | 82.7678% | 496 |
| Net loans and leases to deposits | 93.1775% | 1,452 |
| Net loans and leases to core deposits | 102.2408% | 1,877 |
| Total domestic deposits to total assets | 88.8281% | 1,605 |
| Equity capital to assets | 9.7152% | 4,206 |
| Core capital (leverage) ratio | 9.7495% | 3,455 |
| Tier 1 risk-based capital ratio | 11.6293% | 5,550 |
| Total risk-based capital ratio | 12.8807% | 5,508 |
| Memoranda: | ||
| Average total assets | $1,116,458,000 | 602 |
| Average earning assets | $1,036,405,500 | 591 |
| Average equity | $105,756,500 | 628 |
| Average total loans | $930,023,500 | 502 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5354% | 3,954 |
| Cost of funding earning assets | 1.8304% | 3,833 |
| Net interest margin | 3.7050% | 4,123 |
| Noninterest income to average assets | 1.3595% | 800 |
| Noninterest expense to average assets | 3.5932% | 2,161 |
| Loan and lease loss provision to assets | 0.7112% | 2,985 |
| Net operating income to assets | 0.3522% | 4,315 |
| Return on assets (ROA) | 0.3522% | 4,409 |
| Pretax return on assets | 0.5163% | 4,137 |
| Return on Equity (ROE) | 3.9752% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.9315% | 3,116 |
| Net charge-offs to loans | 0.6760% | 3,158 |
| Credit loss provision to net charge-offs | 124.2551% | 4,227 |
| Earnings coverage of net charge-offs (x) | 2.1446% | 4,118 |
| Efficiency ratio | 74.5366% | 3,792 |
| Assets per employee ($millions) | 3.4730% | 5,073 |
| Cash dividends to net income (ytd only)* | 26.2547% | 3,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 3,892 |
| Loan loss allowance to noncurrent loans | 107.7781% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1291% | 3,236 |
| Noncurrent loans to loans | 1.3645% | 4,640 |
| Net loans and leases to total assets | 81.4999% | 764 |
| Net loans and leases to deposits | 91.5953% | 1,946 |
| Net loans and leases to core deposits | 128.0977% | 1,392 |
| Total domestic deposits to total assets | 88.9782% | 1,492 |
| Equity capital to assets | 9.2380% | 4,789 |
| Core capital (leverage) ratio | 9.2938% | 3,987 |
| Tier 1 risk-based capital ratio | 11.3591% | 5,556 |
| Total risk-based capital ratio | 12.6121% | 5,500 |
| Memoranda: | ||
| Average total assets | $1,125,839,600 | 591 |
| Average earning assets | $1,051,775,200 | 576 |
| Average equity | $99,744,200 | 661 |
| Average total loans | $953,188,400 | 502 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5543% | 4,129 |
| Cost of funding earning assets | 1.9818% | 3,462 |
| Net interest margin | 3.5725% | 4,583 |
| Noninterest income to average assets | 1.4074% | 764 |
| Noninterest expense to average assets | 3.5651% | 2,109 |
| Loan and lease loss provision to assets | 0.6560% | 2,783 |
| Net operating income to assets | 0.3601% | 4,553 |
| Return on assets (ROA) | 0.3601% | 4,655 |
| Pretax return on assets | 0.5278% | 4,432 |
| Return on Equity (ROE) | 4.1088% | 4,334 |
| Retained earnings to average equity (ytd only) | 2.6990% | 3,818 |
| Net charge-offs to loans | 0.7546% | 2,475 |
| Credit loss provision to net charge-offs | 102.0872% | 4,986 |
| Earnings coverage of net charge-offs (x) | 1.8423% | 4,423 |
| Efficiency ratio | 75.0725% | 3,674 |
| Assets per employee ($millions) | 3.4877% | 4,961 |
| Cash dividends to net income (ytd only)* | 34.3113% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 4,322 |
| Loan loss allowance to noncurrent loans | 88.0134% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 2.2265% | 3,061 |
| Noncurrent loans to loans | 1.5104% | 4,392 |
| Net loans and leases to total assets | 79.9847% | 1,174 |
| Net loans and leases to deposits | 89.7262% | 2,628 |
| Net loans and leases to core deposits | 131.1084% | 1,367 |
| Total domestic deposits to total assets | 89.1431% | 1,134 |
| Equity capital to assets | 9.0599% | 5,400 |
| Core capital (leverage) ratio | 8.8666% | 4,874 |
| Tier 1 risk-based capital ratio | 11.2686% | 5,661 |
| Total risk-based capital ratio | 12.5193% | 5,612 |
| Memoranda: | ||
| Average total assets | $1,123,385,000 | 602 |
| Average earning assets | $1,050,733,750 | 585 |
| Average equity | $98,452,250 | 673 |
| Average total loans | $956,641,750 | 516 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5743% | 4,192 |
| Cost of funding earning assets | 2.0331% | 3,605 |
| Net interest margin | 3.5412% | 4,610 |
| Noninterest income to average assets | 1.5819% | 599 |
| Noninterest expense to average assets | 3.6246% | 2,013 |
| Loan and lease loss provision to assets | 0.8593% | 1,954 |
| Net operating income to assets | 0.2873% | 4,958 |
| Return on assets (ROA) | 0.2873% | 5,057 |
| Pretax return on assets | 0.4171% | 4,888 |
| Return on Equity (ROE) | 3.3162% | 4,781 |
| Retained earnings to average equity (ytd only) | 1.8195% | 4,330 |
| Net charge-offs to loans | 0.9077% | 1,888 |
| Credit loss provision to net charge-offs | 109.3565% | 4,230 |
| Earnings coverage of net charge-offs (x) | 1.6244% | 4,323 |
| Efficiency ratio | 73.9573% | 4,036 |
| Assets per employee ($millions) | 3.5163% | 4,781 |
| Cash dividends to net income (ytd only)* | 45.1311% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3058% | 4,239 |
| Loan loss allowance to noncurrent loans | 91.2505% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 1.5806% | 3,846 |
| Noncurrent loans to loans | 1.4310% | 4,353 |
| Net loans and leases to total assets | 81.2401% | 1,095 |
| Net loans and leases to deposits | 90.8200% | 2,693 |
| Net loans and leases to core deposits | 133.7736% | 1,325 |
| Total domestic deposits to total assets | 89.4518% | 1,063 |
| Equity capital to assets | 8.7310% | 5,711 |
| Core capital (leverage) ratio | 8.9538% | 4,711 |
| Tier 1 risk-based capital ratio | 10.7790% | 6,110 |
| Total risk-based capital ratio | 12.0300% | 6,037 |
| Memoranda: | ||
| Average total assets | $1,115,365,330 | 619 |
| Average earning assets | $1,045,403,330 | 598 |
| Average equity | $96,617,330 | 693 |
| Average total loans | $965,474,000 | 526 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7198% | 3,693 |
| Cost of funding earning assets | 2.0679% | 3,800 |
| Net interest margin | 3.6519% | 4,088 |
| Noninterest income to average assets | 1.5427% | 582 |
| Noninterest expense to average assets | 3.6219% | 1,812 |
| Loan and lease loss provision to assets | 0.5332% | 2,338 |
| Net operating income to assets | 0.5391% | 4,258 |
| Return on assets (ROA) | 0.5391% | 4,449 |
| Pretax return on assets | 0.7981% | 4,082 |
| Return on Equity (ROE) | 6.2501% | 3,935 |
| Retained earnings to average equity (ytd only) | 4.5432% | 3,405 |
| Net charge-offs to loans | 0.6872% | 1,808 |
| Credit loss provision to net charge-offs | 87.3112% | 4,059 |
| Earnings coverage of net charge-offs (x) | 2.1801% | 3,650 |
| Efficiency ratio | 73.1228% | 3,984 |
| Assets per employee ($millions) | 3.4568% | 4,920 |
| Cash dividends to net income (ytd only)* | 27.3101% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,449 |
| Loan loss allowance to noncurrent loans | 158.8026% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 4,349 |
| Noncurrent loans to loans | 0.7864% | 5,475 |
| Net loans and leases to total assets | 84.4951% | 622 |
| Net loans and leases to deposits | 95.0292% | 2,105 |
| Net loans and leases to core deposits | 139.1142% | 1,145 |
| Total domestic deposits to total assets | 88.9148% | 1,263 |
| Equity capital to assets | 9.1422% | 5,163 |
| Core capital (leverage) ratio | 9.7053% | 3,750 |
| Tier 1 risk-based capital ratio | 10.7530% | 6,140 |
| Total risk-based capital ratio | 12.0030% | 6,044 |
| Memoranda: | ||
| Average total assets | $1,084,073,000 | 637 |
| Average earning assets | $1,012,407,000 | 616 |
| Average equity | $93,502,500 | 708 |
| Average total loans | $963,396,500 | 529 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5377% | 2,770 |
| Cost of funding earning assets | 2.3771% | 4,826 |
| Net interest margin | 4.1606% | 2,460 |
| Noninterest income to average assets | 1.0642% | 1,388 |
| Noninterest expense to average assets | 3.5278% | 2,322 |
| Loan and lease loss provision to assets | 0.3683% | 3,471 |
| Net operating income to assets | 0.6993% | 3,893 |
| Return on assets (ROA) | 0.6993% | 3,730 |
| Pretax return on assets | 1.0357% | 3,253 |
| Return on Equity (ROE) | 8.4259% | 2,880 |
| Retained earnings to average equity (ytd only) | 7.5335% | 976 |
| Net charge-offs to loans | 0.1063% | 5,229 |
| Credit loss provision to net charge-offs | 378.0231% | 1,163 |
| Earnings coverage of net charge-offs (x) | 14.4111% | 2,036 |
| Efficiency ratio | 71.5321% | 4,028 |
| Assets per employee ($millions) | 3.2437% | 5,352 |
| Cash dividends to net income (ytd only)* | 10.5919% | 4,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 3,973 |
| Loan loss allowance to noncurrent loans | 158.8693% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8305% | 4,772 |
| Noncurrent loans to loans | 0.8012% | 5,041 |
| Net loans and leases to total assets | 91.2681% | 118 |
| Net loans and leases to deposits | 101.5973% | 1,627 |
| Net loans and leases to core deposits | 140.3871% | 1,245 |
| Total domestic deposits to total assets | 89.8331% | 717 |
| Equity capital to assets | 8.0655% | 6,754 |
| Core capital (leverage) ratio | 8.3487% | 5,854 |
| Tier 1 risk-based capital ratio | 8.7986% | 7,909 |
| Total risk-based capital ratio | 10.0490% | 7,963 |
| Memoranda: | ||
| Average total assets | $976,157,400 | 674 |
| Average earning assets | $907,417,200 | 657 |
| Average equity | $81,011,800 | 823 |
| Average total loans | $894,258,400 | 547 |