Home > Peoples Security Bank and Trust Company > Performance and Condition Ratios
Peoples Security Bank and Trust Company, 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 | 4.3921% | 3,290 |
| Cost of funding earning assets | 1.7936% | 1,256 |
| Net interest margin | 2.5985% | 3,964 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.7514% | 4,063 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8483% | 2,709 |
| Return on assets (ROA) | 0.8502% | 2,680 |
| Pretax return on assets | 1.0119% | 2,647 |
| Return on Equity (ROE) | 8.7400% | 2,820 |
| Retained earnings to average equity (ytd only) | 3.1335% | 3,235 |
| Net charge-offs to loans | 0.1013% | 900 |
| Credit loss provision to net charge-offs | 19.7902% | 2,312 |
| Earnings coverage of net charge-offs (x) | 13.2469% | 2,115 |
| Efficiency ratio | 62.9779% | 2,729 |
| Assets per employee ($millions) | 9.7193% | 766 |
| Cash dividends to net income (ytd only)* | 64.1505% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 4,031 |
| Loan loss allowance to noncurrent loans | 442.5020% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 2,645 |
| Noncurrent loans to loans | 0.1736% | 2,650 |
| Net loans and leases to total assets | 75.5800% | 1,169 |
| Net loans and leases to deposits | 86.2475% | 1,600 |
| Net loans and leases to core deposits | 97.6280% | 1,560 |
| Total domestic deposits to total assets | 87.6300% | 1,477 |
| Equity capital to assets | 9.9507% | 2,040 |
| Core capital (leverage) ratio | 9.3428% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1243% | 1,827 |
| Memoranda: | ||
| Average total assets | $3,695,996,800 | 343 |
| Average earning assets | $3,418,960,400 | 330 |
| Average equity | $359,507,600 | 340 |
| Average total loans | $2,822,502,600 | 313 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 3,284 |
| Cost of funding earning assets | 1.6423% | 1,298 |
| Net interest margin | 2.6639% | 3,931 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.7448% | 4,059 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.9524% | 2,509 |
| Return on assets (ROA) | 0.9548% | 2,490 |
| Pretax return on assets | 1.1452% | 2,441 |
| Return on Equity (ROE) | 9.8700% | 2,670 |
| Retained earnings to average equity (ytd only) | 4.1593% | 3,216 |
| Net charge-offs to loans | 0.0036% | 2,378 |
| Credit loss provision to net charge-offs | -1,451.3158% | 4,609 |
| Earnings coverage of net charge-offs (x) | 400.8421% | 366 |
| Efficiency ratio | 61.1723% | 2,823 |
| Assets per employee ($millions) | 9.9101% | 688 |
| Cash dividends to net income (ytd only)* | 57.8754% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 3,976 |
| Loan loss allowance to noncurrent loans | 611.9681% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.0983% | 2,921 |
| Noncurrent loans to loans | 0.1310% | 2,901 |
| Net loans and leases to total assets | 74.4500% | 1,298 |
| Net loans and leases to deposits | 84.6274% | 1,688 |
| Net loans and leases to core deposits | 95.7964% | 1,562 |
| Total domestic deposits to total assets | 87.9700% | 1,583 |
| Equity capital to assets | 9.3357% | 2,205 |
| Core capital (leverage) ratio | 9.4706% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8469% | 1,951 |
| Memoranda: | ||
| Average total assets | $3,684,514,250 | 348 |
| Average earning assets | $3,406,813,750 | 335 |
| Average equity | $356,297,500 | 345 |
| Average total loans | $2,815,591,500 | 318 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2326% | 3,225 |
| Cost of funding earning assets | 1.4813% | 1,279 |
| Net interest margin | 2.7513% | 3,902 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.7783% | 4,042 |
| Loan and lease loss provision to assets | -0.0500% | 4,500 |
| Net operating income to assets | 1.0048% | 2,399 |
| Return on assets (ROA) | 1.0086% | 2,388 |
| Pretax return on assets | 1.2049% | 2,345 |
| Return on Equity (ROE) | 10.3000% | 2,626 |
| Retained earnings to average equity (ytd only) | 4.7632% | 3,007 |
| Net charge-offs to loans | 0.0024% | 2,266 |
| Credit loss provision to net charge-offs | -2,755.8824% | 4,651 |
| Earnings coverage of net charge-offs (x) | 614.5882% | 237 |
| Efficiency ratio | 60.6435% | 2,877 |
| Assets per employee ($millions) | 9.5123% | 774 |
| Cash dividends to net income (ytd only)* | 53.7778% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 3,980 |
| Loan loss allowance to noncurrent loans | 1,115.7136% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.0598% | 3,164 |
| Noncurrent loans to loans | 0.0732% | 3,168 |
| Net loans and leases to total assets | 76.6000% | 989 |
| Net loans and leases to deposits | 87.2743% | 1,404 |
| Net loans and leases to core deposits | 98.9528% | 1,292 |
| Total domestic deposits to total assets | 87.7700% | 1,687 |
| Equity capital to assets | 9.8347% | 1,955 |
| Core capital (leverage) ratio | 9.6141% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6001% | 2,058 |
| Memoranda: | ||
| Average total assets | $3,637,581,667 | 338 |
| Average earning assets | $3,364,572,667 | 328 |
| Average equity | $356,023,667 | 335 |
| Average total loans | $2,797,132,333 | 306 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 3,242 |
| Cost of funding earning assets | 1.2826% | 1,266 |
| Net interest margin | 2.8261% | 3,911 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 1.7898% | 4,049 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.9040% | 2,840 |
| Return on assets (ROA) | 0.9116% | 2,774 |
| Pretax return on assets | 1.0854% | 2,749 |
| Return on Equity (ROE) | 9.3400% | 2,957 |
| Retained earnings to average equity (ytd only) | 3.7437% | 3,338 |
| Net charge-offs to loans | 0.0013% | 2,002 |
| Credit loss provision to net charge-offs | 14,044.4444% | 31 |
| Earnings coverage of net charge-offs (x) | 1,221.5556% | 83 |
| Efficiency ratio | 59.4340% | 3,032 |
| Assets per employee ($millions) | 9.3111% | 838 |
| Cash dividends to net income (ytd only)* | 59.9029% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 3,845 |
| Loan loss allowance to noncurrent loans | 1,370.1669% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,245 |
| Noncurrent loans to loans | 0.0659% | 3,260 |
| Net loans and leases to total assets | 75.9300% | 978 |
| Net loans and leases to deposits | 86.2458% | 1,334 |
| Net loans and leases to core deposits | 94.7997% | 1,340 |
| Total domestic deposits to total assets | 88.0400% | 1,914 |
| Equity capital to assets | 9.7691% | 1,952 |
| Core capital (leverage) ratio | 9.6634% | 3,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8526% | 2,450 |
| Memoranda: | ||
| Average total assets | $3,615,747,500 | 354 |
| Average earning assets | $3,343,835,500 | 340 |
| Average equity | $353,015,500 | 349 |
| Average total loans | $2,774,079,500 | 315 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5027% | 3,069 |
| Cost of funding earning assets | 0.4271% | 1,886 |
| Net interest margin | 3.0756% | 3,242 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.8774% | 3,879 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.2240% | 1,688 |
| Return on assets (ROA) | 1.1757% | 1,811 |
| Pretax return on assets | 1.4053% | 1,751 |
| Return on Equity (ROE) | 11.6300% | 2,264 |
| Retained earnings to average equity (ytd only) | 8.3762% | 1,688 |
| Net charge-offs to loans | 0.0183% | 1,736 |
| Credit loss provision to net charge-offs | -97.1861% | 4,579 |
| Earnings coverage of net charge-offs (x) | 107.9697% | 939 |
| Efficiency ratio | 56.1106% | 3,571 |
| Assets per employee ($millions) | 8.7961% | 976 |
| Cash dividends to net income (ytd only)* | 27.9934% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,338 |
| Loan loss allowance to noncurrent loans | 987.1362% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 2,981 |
| Noncurrent loans to loans | 0.1019% | 3,039 |
| Net loans and leases to total assets | 76.0500% | 1,005 |
| Net loans and leases to deposits | 88.6998% | 1,128 |
| Net loans and leases to core deposits | 92.1347% | 1,382 |
| Total domestic deposits to total assets | 85.7400% | 2,795 |
| Equity capital to assets | 9.7572% | 1,852 |
| Core capital (leverage) ratio | 9.6912% | 2,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2609% | 2,260 |
| Memoranda: | ||
| Average total assets | $3,440,940,800 | 352 |
| Average earning assets | $3,183,467,400 | 342 |
| Average equity | $347,782,600 | 344 |
| Average total loans | $2,529,631,600 | 317 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 2,999 |
| Cost of funding earning assets | 0.2898% | 2,283 |
| Net interest margin | 3.0765% | 3,000 |
| Noninterest income to average assets | 0.5300% | 2,002 |
| Noninterest expense to average assets | 1.8726% | 3,810 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.1992% | 1,692 |
| Return on assets (ROA) | 1.1992% | 1,671 |
| Pretax return on assets | 1.4353% | 1,615 |
| Return on Equity (ROE) | 11.7600% | 2,114 |
| Retained earnings to average equity (ytd only) | 8.5171% | 1,816 |
| Net charge-offs to loans | 0.0140% | 1,598 |
| Credit loss provision to net charge-offs | 651.3410% | 533 |
| Earnings coverage of net charge-offs (x) | 147.2720% | 756 |
| Efficiency ratio | 55.1620% | 3,701 |
| Assets per employee ($millions) | 8.7672% | 981 |
| Cash dividends to net income (ytd only)* | 27.5656% | 2,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 2,851 |
| Loan loss allowance to noncurrent loans | 1,051.1808% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.0841% | 3,079 |
| Noncurrent loans to loans | 0.1081% | 3,109 |
| Net loans and leases to total assets | 73.8000% | 1,117 |
| Net loans and leases to deposits | 83.0057% | 1,362 |
| Net loans and leases to core deposits | 86.4013% | 1,507 |
| Total domestic deposits to total assets | 88.9100% | 2,125 |
| Equity capital to assets | 9.4597% | 1,909 |
| Core capital (leverage) ratio | 9.6327% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5982% | 2,217 |
| Memoranda: | ||
| Average total assets | $3,412,771,500 | 355 |
| Average earning assets | $3,159,791,000 | 344 |
| Average equity | $348,044,750 | 348 |
| Average total loans | $2,479,510,500 | 318 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2241% | 2,976 |
| Cost of funding earning assets | 0.1997% | 2,916 |
| Net interest margin | 3.0243% | 2,814 |
| Noninterest income to average assets | 0.5427% | 1,979 |
| Noninterest expense to average assets | 1.8671% | 3,787 |
| Loan and lease loss provision to assets | 0.0740% | 1,305 |
| Net operating income to assets | 1.1777% | 1,509 |
| Return on assets (ROA) | 1.1777% | 1,484 |
| Pretax return on assets | 1.4064% | 1,421 |
| Return on Equity (ROE) | 11.2655% | 1,901 |
| Retained earnings to average equity (ytd only) | 8.0985% | 1,581 |
| Net charge-offs to loans | 0.0213% | 1,302 |
| Credit loss provision to net charge-offs | 482.6255% | 642 |
| Earnings coverage of net charge-offs (x) | 96.5560% | 834 |
| Efficiency ratio | 55.4335% | 3,836 |
| Assets per employee ($millions) | 8.5939% | 1,032 |
| Cash dividends to net income (ytd only)* | 28.1126% | 2,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 2,955 |
| Loan loss allowance to noncurrent loans | 944.8054% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 3,062 |
| Noncurrent loans to loans | 0.1211% | 3,125 |
| Net loans and leases to total assets | 74.1700% | 897 |
| Net loans and leases to deposits | 87.0445% | 905 |
| Net loans and leases to core deposits | 91.1216% | 1,058 |
| Total domestic deposits to total assets | 85.2093% | 3,437 |
| Equity capital to assets | 9.9892% | 1,724 |
| Core capital (leverage) ratio | 9.7765% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9730% | 2,072 |
| Memoranda: | ||
| Average total assets | $3,378,481,333 | 350 |
| Average earning assets | $3,133,174,333 | 343 |
| Average equity | $353,203,333 | 346 |
| Average total loans | $2,431,227,667 | 316 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1505% | 2,824 |
| Cost of funding earning assets | 0.1856% | 3,003 |
| Net interest margin | 2.9649% | 2,620 |
| Noninterest income to average assets | 0.5341% | 1,977 |
| Noninterest expense to average assets | 1.8288% | 3,872 |
| Loan and lease loss provision to assets | 0.0357% | 1,716 |
| Net operating income to assets | 1.1960% | 1,254 |
| Return on assets (ROA) | 1.1960% | 1,248 |
| Pretax return on assets | 1.4271% | 1,186 |
| Return on Equity (ROE) | 11.1864% | 1,554 |
| Retained earnings to average equity (ytd only) | 8.0708% | 1,562 |
| Net charge-offs to loans | 0.0467% | 826 |
| Credit loss provision to net charge-offs | 108.6957% | 970 |
| Earnings coverage of net charge-offs (x) | 44.4891% | 967 |
| Efficiency ratio | 55.2117% | 3,948 |
| Assets per employee ($millions) | 8.5632% | 1,076 |
| Cash dividends to net income (ytd only)* | 27.8514% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 2,938 |
| Loan loss allowance to noncurrent loans | 895.5549% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 3,117 |
| Noncurrent loans to loans | 0.1323% | 3,146 |
| Net loans and leases to total assets | 70.7671% | 949 |
| Net loans and leases to deposits | 79.8212% | 1,157 |
| Net loans and leases to core deposits | 82.5276% | 1,325 |
| Total domestic deposits to total assets | 88.6570% | 2,227 |
| Equity capital to assets | 10.4389% | 1,616 |
| Core capital (leverage) ratio | 9.6362% | 2,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6728% | 1,927 |
| Memoranda: | ||
| Average total assets | $3,357,538,500 | 353 |
| Average earning assets | $3,122,849,500 | 349 |
| Average equity | $358,971,000 | 355 |
| Average total loans | $2,363,711,500 | 320 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2856% | 3,253 |
| Cost of funding earning assets | 0.2603% | 2,808 |
| Net interest margin | 3.0253% | 3,130 |
| Noninterest income to average assets | 0.9397% | 1,116 |
| Noninterest expense to average assets | 1.9121% | 3,901 |
| Loan and lease loss provision to assets | 0.0565% | 1,920 |
| Net operating income to assets | 1.4571% | 1,118 |
| Return on assets (ROA) | 1.4571% | 1,187 |
| Pretax return on assets | 1.7740% | 971 |
| Return on Equity (ROE) | 12.7764% | 1,535 |
| Retained earnings to average equity (ytd only) | 9.7190% | 988 |
| Net charge-offs to loans | 0.0319% | 1,599 |
| Credit loss provision to net charge-offs | 246.1322% | 1,179 |
| Earnings coverage of net charge-offs (x) | 79.6821% | 1,001 |
| Efficiency ratio | 50.6665% | 4,233 |
| Assets per employee ($millions) | 8.7888% | 988 |
| Cash dividends to net income (ytd only)* | 23.9301% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 2,796 |
| Loan loss allowance to noncurrent loans | 1,005.0637% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 3,223 |
| Noncurrent loans to loans | 0.1212% | 3,323 |
| Net loans and leases to total assets | 68.3637% | 1,227 |
| Net loans and leases to deposits | 77.5482% | 1,437 |
| Net loans and leases to core deposits | 80.3029% | 1,566 |
| Total domestic deposits to total assets | 88.1563% | 1,954 |
| Equity capital to assets | 10.8956% | 1,858 |
| Core capital (leverage) ratio | 9.5802% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0099% | 1,835 |
| Memoranda: | ||
| Average total assets | $3,094,984,400 | 364 |
| Average earning assets | $2,867,446,800 | 363 |
| Average equity | $352,979,000 | 356 |
| Average total loans | $2,226,684,200 | 334 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3597% | 3,221 |
| Cost of funding earning assets | 0.2805% | 2,794 |
| Net interest margin | 3.0791% | 3,102 |
| Noninterest income to average assets | 0.5805% | 2,296 |
| Noninterest expense to average assets | 1.9116% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2459% | 2,002 |
| Return on assets (ROA) | 1.2459% | 2,067 |
| Pretax return on assets | 1.5167% | 1,955 |
| Return on Equity (ROE) | 10.7901% | 2,447 |
| Retained earnings to average equity (ytd only) | 7.7129% | 2,144 |
| Net charge-offs to loans | 0.0394% | 1,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 52.8986% | 1,211 |
| Efficiency ratio | 55.2763% | 3,622 |
| Assets per employee ($millions) | 8.5750% | 1,023 |
| Cash dividends to net income (ytd only)* | 28.5184% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,945 |
| Loan loss allowance to noncurrent loans | 658.7611% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 3,145 |
| Noncurrent loans to loans | 0.1836% | 3,208 |
| Net loans and leases to total assets | 67.4330% | 1,384 |
| Net loans and leases to deposits | 76.5922% | 1,615 |
| Net loans and leases to core deposits | 79.4001% | 1,785 |
| Total domestic deposits to total assets | 88.0417% | 1,821 |
| Equity capital to assets | 10.9919% | 2,024 |
| Core capital (leverage) ratio | 9.7971% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9127% | 2,000 |
| Memoranda: | ||
| Average total assets | $3,027,202,500 | 376 |
| Average earning assets | $2,799,731,750 | 372 |
| Average equity | $349,534,250 | 354 |
| Average total loans | $2,200,960,000 | 341 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3947% | 3,196 |
| Cost of funding earning assets | 0.3074% | 2,709 |
| Net interest margin | 3.0873% | 3,069 |
| Noninterest income to average assets | 0.6217% | 2,121 |
| Noninterest expense to average assets | 1.9291% | 3,897 |
| Loan and lease loss provision to assets | -0.0270% | 4,457 |
| Net operating income to assets | 1.2716% | 1,947 |
| Return on assets (ROA) | 1.2716% | 2,022 |
| Pretax return on assets | 1.5693% | 1,822 |
| Return on Equity (ROE) | 10.8234% | 2,489 |
| Retained earnings to average equity (ytd only) | 7.7567% | 2,167 |
| Net charge-offs to loans | 0.0186% | 1,571 |
| Credit loss provision to net charge-offs | -195.1220% | 3,195 |
| Earnings coverage of net charge-offs (x) | 111.2927% | 706 |
| Efficiency ratio | 55.0854% | 3,661 |
| Assets per employee ($millions) | 7.8935% | 1,264 |
| Cash dividends to net income (ytd only)* | 28.3345% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,963 |
| Loan loss allowance to noncurrent loans | 471.9202% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1976% | 2,963 |
| Noncurrent loans to loans | 0.2531% | 3,036 |
| Net loans and leases to total assets | 73.7322% | 784 |
| Net loans and leases to deposits | 84.4774% | 1,029 |
| Net loans and leases to core deposits | 87.8732% | 1,273 |
| Total domestic deposits to total assets | 87.2805% | 2,181 |
| Equity capital to assets | 11.7077% | 1,516 |
| Core capital (leverage) ratio | 9.8768% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8814% | 2,011 |
| Memoranda: | ||
| Average total assets | $2,958,675,000 | 378 |
| Average earning assets | $2,730,903,333 | 378 |
| Average equity | $347,597,667 | 353 |
| Average total loans | $2,199,060,667 | 338 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4712% | 3,011 |
| Cost of funding earning assets | 0.3277% | 2,727 |
| Net interest margin | 3.1435% | 2,861 |
| Noninterest income to average assets | 0.6965% | 1,878 |
| Noninterest expense to average assets | 1.9486% | 3,862 |
| Loan and lease loss provision to assets | -0.0681% | 4,680 |
| Net operating income to assets | 1.3398% | 1,706 |
| Return on assets (ROA) | 1.3398% | 1,794 |
| Pretax return on assets | 1.7174% | 1,452 |
| Return on Equity (ROE) | 11.3844% | 2,235 |
| Retained earnings to average equity (ytd only) | 8.3017% | 2,154 |
| Net charge-offs to loans | 0.0112% | 1,529 |
| Credit loss provision to net charge-offs | -819.6721% | 3,303 |
| Earnings coverage of net charge-offs (x) | 198.6066% | 400 |
| Efficiency ratio | 53.6872% | 3,822 |
| Assets per employee ($millions) | 8.0676% | 1,171 |
| Cash dividends to net income (ytd only)* | 27.0778% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,770 |
| Loan loss allowance to noncurrent loans | 405.8645% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.2326% | 2,985 |
| Noncurrent loans to loans | 0.3027% | 3,011 |
| Net loans and leases to total assets | 71.9394% | 1,035 |
| Net loans and leases to deposits | 84.1814% | 1,129 |
| Net loans and leases to core deposits | 88.2756% | 1,345 |
| Total domestic deposits to total assets | 85.4576% | 2,940 |
| Equity capital to assets | 11.4607% | 1,563 |
| Core capital (leverage) ratio | 9.9512% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8913% | 1,931 |
| Memoranda: | ||
| Average total assets | $2,938,240,000 | 377 |
| Average earning assets | $2,712,044,000 | 377 |
| Average equity | $345,807,000 | 351 |
| Average total loans | $2,179,405,500 | 342 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8539% | 3,153 |
| Cost of funding earning assets | 0.5371% | 2,704 |
| Net interest margin | 3.3169% | 3,028 |
| Noninterest income to average assets | 0.6151% | 2,161 |
| Noninterest expense to average assets | 2.0868% | 3,960 |
| Loan and lease loss provision to assets | 0.2760% | 1,389 |
| Net operating income to assets | 1.1019% | 1,920 |
| Return on assets (ROA) | 1.1313% | 1,918 |
| Pretax return on assets | 1.3206% | 1,914 |
| Return on Equity (ROE) | 9.3149% | 2,279 |
| Retained earnings to average equity (ytd only) | 6.0849% | 1,756 |
| Net charge-offs to loans | 0.1299% | 1,216 |
| Credit loss provision to net charge-offs | 270.7647% | 1,841 |
| Earnings coverage of net charge-offs (x) | 15.3271% | 2,177 |
| Efficiency ratio | 56.5668% | 3,911 |
| Assets per employee ($millions) | 7.8353% | 1,105 |
| Cash dividends to net income (ytd only)* | 34.6762% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,646 |
| Loan loss allowance to noncurrent loans | 333.9521% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 2,740 |
| Noncurrent loans to loans | 0.3758% | 2,858 |
| Net loans and leases to total assets | 74.6161% | 949 |
| Net loans and leases to deposits | 88.2410% | 1,065 |
| Net loans and leases to core deposits | 92.8789% | 1,314 |
| Total domestic deposits to total assets | 84.5595% | 2,927 |
| Equity capital to assets | 12.0894% | 1,523 |
| Core capital (leverage) ratio | 10.0849% | 2,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9808% | 1,856 |
| Memoranda: | ||
| Average total assets | $2,681,125,800 | 379 |
| Average earning assets | $2,452,579,400 | 373 |
| Average equity | $325,628,000 | 349 |
| Average total loans | $2,103,188,400 | 342 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,083 |
| Cost of funding earning assets | 0.5758% | 2,765 |
| Net interest margin | 3.3858% | 2,960 |
| Noninterest income to average assets | 0.6277% | 2,072 |
| Noninterest expense to average assets | 2.1400% | 3,851 |
| Loan and lease loss provision to assets | 0.3218% | 1,224 |
| Net operating income to assets | 1.0759% | 2,061 |
| Return on assets (ROA) | 1.1074% | 2,081 |
| Pretax return on assets | 1.2944% | 2,076 |
| Return on Equity (ROE) | 9.1063% | 2,352 |
| Retained earnings to average equity (ytd only) | 5.8056% | 2,182 |
| Net charge-offs to loans | 0.1563% | 942 |
| Credit loss provision to net charge-offs | 259.8200% | 1,897 |
| Earnings coverage of net charge-offs (x) | 12.7516% | 2,232 |
| Efficiency ratio | 56.9032% | 3,806 |
| Assets per employee ($millions) | 7.3819% | 1,287 |
| Cash dividends to net income (ytd only)* | 36.2459% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,591 |
| Loan loss allowance to noncurrent loans | 315.8745% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 2,852 |
| Noncurrent loans to loans | 0.3842% | 2,913 |
| Net loans and leases to total assets | 77.1460% | 938 |
| Net loans and leases to deposits | 91.7211% | 1,101 |
| Net loans and leases to core deposits | 97.0775% | 1,375 |
| Total domestic deposits to total assets | 84.1093% | 2,781 |
| Equity capital to assets | 12.2714% | 1,535 |
| Core capital (leverage) ratio | 10.4313% | 2,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4891% | 2,005 |
| Memoranda: | ||
| Average total assets | $2,630,559,500 | 373 |
| Average earning assets | $2,402,193,750 | 371 |
| Average equity | $319,889,000 | 348 |
| Average total loans | $2,084,280,750 | 336 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0722% | 3,117 |
| Cost of funding earning assets | 0.6310% | 2,807 |
| Net interest margin | 3.4412% | 2,972 |
| Noninterest income to average assets | 0.6337% | 2,001 |
| Noninterest expense to average assets | 2.2078% | 3,754 |
| Loan and lease loss provision to assets | 0.4121% | 969 |
| Net operating income to assets | 1.0052% | 2,306 |
| Return on assets (ROA) | 1.0230% | 2,372 |
| Pretax return on assets | 1.1839% | 2,414 |
| Return on Equity (ROE) | 8.4407% | 2,588 |
| Retained earnings to average equity (ytd only) | 5.0376% | 2,457 |
| Net charge-offs to loans | 0.0997% | 1,275 |
| Credit loss provision to net charge-offs | 519.0989% | 1,202 |
| Earnings coverage of net charge-offs (x) | 19.8433% | 1,703 |
| Efficiency ratio | 57.7277% | 3,731 |
| Assets per employee ($millions) | 6.8498% | 1,534 |
| Cash dividends to net income (ytd only)* | 40.3177% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 2,332 |
| Loan loss allowance to noncurrent loans | 265.9006% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 2,650 |
| Noncurrent loans to loans | 0.4642% | 2,748 |
| Net loans and leases to total assets | 79.9200% | 603 |
| Net loans and leases to deposits | 97.3430% | 704 |
| Net loans and leases to core deposits | 104.5996% | 965 |
| Total domestic deposits to total assets | 82.1015% | 3,345 |
| Equity capital to assets | 12.5658% | 1,351 |
| Core capital (leverage) ratio | 10.4740% | 2,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5713% | 1,970 |
| Memoranda: | ||
| Average total assets | $2,572,371,333 | 376 |
| Average earning assets | $2,354,205,000 | 371 |
| Average equity | $311,775,667 | 351 |
| Average total loans | $2,048,833,000 | 335 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1762% | 3,302 |
| Cost of funding earning assets | 0.7438% | 2,698 |
| Net interest margin | 3.4324% | 3,208 |
| Noninterest income to average assets | 0.5399% | 2,336 |
| Noninterest expense to average assets | 2.1880% | 4,034 |
| Loan and lease loss provision to assets | 0.5580% | 509 |
| Net operating income to assets | 0.8228% | 2,824 |
| Return on assets (ROA) | 0.8602% | 2,760 |
| Pretax return on assets | 0.9732% | 2,923 |
| Return on Equity (ROE) | 7.2405% | 2,856 |
| Retained earnings to average equity (ytd only) | 3.6686% | 2,818 |
| Net charge-offs to loans | 0.0993% | 1,085 |
| Credit loss provision to net charge-offs | 711.3821% | 717 |
| Earnings coverage of net charge-offs (x) | 18.9797% | 1,449 |
| Efficiency ratio | 58.8432% | 3,895 |
| Assets per employee ($millions) | 6.3905% | 1,410 |
| Cash dividends to net income (ytd only)* | 49.3328% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,286 |
| Loan loss allowance to noncurrent loans | 282.3258% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 2,873 |
| Noncurrent loans to loans | 0.4496% | 2,903 |
| Net loans and leases to total assets | 78.5455% | 896 |
| Net loans and leases to deposits | 99.2439% | 605 |
| Net loans and leases to core deposits | 109.3993% | 880 |
| Total domestic deposits to total assets | 79.1439% | 4,020 |
| Equity capital to assets | 11.9046% | 2,140 |
| Core capital (leverage) ratio | 9.7121% | 3,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4286% | 2,956 |
| Memoranda: | ||
| Average total assets | $2,509,151,000 | 366 |
| Average earning assets | $2,292,973,000 | 363 |
| Average equity | $298,099,500 | 359 |
| Average total loans | $1,981,325,500 | 336 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 3,303 |
| Cost of funding earning assets | 0.8312% | 2,523 |
| Net interest margin | 3.5486% | 3,291 |
| Noninterest income to average assets | 0.6343% | 2,075 |
| Noninterest expense to average assets | 2.3931% | 3,704 |
| Loan and lease loss provision to assets | 0.1487% | 1,438 |
| Net operating income to assets | 1.1694% | 2,179 |
| Return on assets (ROA) | 1.1703% | 2,274 |
| Pretax return on assets | 1.3248% | 2,414 |
| Return on Equity (ROE) | 9.6792% | 2,444 |
| Retained earnings to average equity (ytd only) | 6.1192% | 1,811 |
| Net charge-offs to loans | 0.1364% | 1,420 |
| Credit loss provision to net charge-offs | 137.1473% | 1,878 |
| Earnings coverage of net charge-offs (x) | 13.5823% | 2,344 |
| Efficiency ratio | 61.1047% | 3,522 |
| Assets per employee ($millions) | 6.0563% | 1,594 |
| Cash dividends to net income (ytd only)* | 36.7794% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 2,697 |
| Loan loss allowance to noncurrent loans | 294.2409% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.3245% | 3,121 |
| Noncurrent loans to loans | 0.3908% | 3,033 |
| Net loans and leases to total assets | 77.4784% | 1,166 |
| Net loans and leases to deposits | 97.0895% | 831 |
| Net loans and leases to core deposits | 105.6008% | 1,133 |
| Total domestic deposits to total assets | 79.8010% | 4,017 |
| Equity capital to assets | 11.9185% | 2,187 |
| Core capital (leverage) ratio | 9.9882% | 3,532 |
| Tier 1 risk-based capital ratio | 11.7194% | 4,517 |
| Total risk-based capital ratio | 12.8401% | 4,464 |
| Memoranda: | ||
| Average total assets | $2,353,922,800 | 366 |
| Average earning assets | $2,143,407,800 | 363 |
| Average equity | $284,610,400 | 360 |
| Average total loans | $1,871,440,600 | 344 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 3,270 |
| Cost of funding earning assets | 0.8510% | 2,462 |
| Net interest margin | 3.5771% | 3,310 |
| Noninterest income to average assets | 0.6366% | 2,045 |
| Noninterest expense to average assets | 2.4208% | 3,628 |
| Loan and lease loss provision to assets | 0.1205% | 1,624 |
| Net operating income to assets | 1.1921% | 2,224 |
| Return on assets (ROA) | 1.1932% | 2,298 |
| Pretax return on assets | 1.3501% | 2,495 |
| Return on Equity (ROE) | 9.8315% | 2,499 |
| Retained earnings to average equity (ytd only) | 6.2632% | 2,240 |
| Net charge-offs to loans | 0.0782% | 1,708 |
| Credit loss provision to net charge-offs | 193.1923% | 1,358 |
| Earnings coverage of net charge-offs (x) | 23.5519% | 1,828 |
| Efficiency ratio | 61.4081% | 3,420 |
| Assets per employee ($millions) | 6.0512% | 1,571 |
| Cash dividends to net income (ytd only)* | 36.2945% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1895% | 2,559 |
| Loan loss allowance to noncurrent loans | 254.8890% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 2,947 |
| Noncurrent loans to loans | 0.4667% | 2,903 |
| Net loans and leases to total assets | 78.4166% | 1,070 |
| Net loans and leases to deposits | 92.7099% | 1,350 |
| Net loans and leases to core deposits | 102.5673% | 1,451 |
| Total domestic deposits to total assets | 84.5827% | 2,589 |
| Equity capital to assets | 12.2593% | 2,070 |
| Core capital (leverage) ratio | 10.0521% | 3,591 |
| Tier 1 risk-based capital ratio | 11.8511% | 4,489 |
| Total risk-based capital ratio | 13.0091% | 4,435 |
| Memoranda: | ||
| Average total assets | $2,323,150,500 | 372 |
| Average earning assets | $2,113,008,750 | 369 |
| Average equity | $281,957,500 | 360 |
| Average total loans | $1,853,931,750 | 348 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4211% | 3,275 |
| Cost of funding earning assets | 0.8666% | 2,318 |
| Net interest margin | 3.5545% | 3,422 |
| Noninterest income to average assets | 0.6480% | 1,928 |
| Noninterest expense to average assets | 2.4309% | 3,654 |
| Loan and lease loss provision to assets | 0.1214% | 1,544 |
| Net operating income to assets | 1.1803% | 2,222 |
| Return on assets (ROA) | 1.1820% | 2,281 |
| Pretax return on assets | 1.3327% | 2,433 |
| Return on Equity (ROE) | 9.7731% | 2,497 |
| Retained earnings to average equity (ytd only) | 6.1654% | 2,208 |
| Net charge-offs to loans | 0.0921% | 1,440 |
| Credit loss provision to net charge-offs | 164.8999% | 1,397 |
| Earnings coverage of net charge-offs (x) | 19.7279% | 1,808 |
| Efficiency ratio | 61.7657% | 3,472 |
| Assets per employee ($millions) | 5.8468% | 1,659 |
| Cash dividends to net income (ytd only)* | 36.9151% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 2,628 |
| Loan loss allowance to noncurrent loans | 228.5804% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.4309% | 2,793 |
| Noncurrent loans to loans | 0.5159% | 2,735 |
| Net loans and leases to total assets | 79.1706% | 1,015 |
| Net loans and leases to deposits | 97.7470% | 870 |
| Net loans and leases to core deposits | 106.3585% | 1,224 |
| Total domestic deposits to total assets | 80.9954% | 3,817 |
| Equity capital to assets | 12.3173% | 1,967 |
| Core capital (leverage) ratio | 9.9783% | 3,598 |
| Tier 1 risk-based capital ratio | 11.8465% | 4,506 |
| Total risk-based capital ratio | 13.0046% | 4,441 |
| Memoranda: | ||
| Average total assets | $2,306,847,330 | 374 |
| Average earning assets | $2,099,461,000 | 375 |
| Average equity | $279,010,330 | 363 |
| Average total loans | $1,844,415,670 | 349 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 3,323 |
| Cost of funding earning assets | 0.8589% | 2,220 |
| Net interest margin | 3.5139% | 3,557 |
| Noninterest income to average assets | 0.5869% | 2,107 |
| Noninterest expense to average assets | 2.3535% | 3,888 |
| Loan and lease loss provision to assets | 0.1826% | 901 |
| Net operating income to assets | 1.1186% | 2,399 |
| Return on assets (ROA) | 1.1186% | 2,448 |
| Pretax return on assets | 1.2520% | 2,618 |
| Return on Equity (ROE) | 9.3351% | 2,656 |
| Retained earnings to average equity (ytd only) | 5.6815% | 2,600 |
| Net charge-offs to loans | 0.0706% | 1,353 |
| Credit loss provision to net charge-offs | 324.0741% | 784 |
| Earnings coverage of net charge-offs (x) | 25.4568% | 1,424 |
| Efficiency ratio | 61.2471% | 3,643 |
| Assets per employee ($millions) | 5.8576% | 1,659 |
| Cash dividends to net income (ytd only)* | 39.1385% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,606 |
| Loan loss allowance to noncurrent loans | 203.2457% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4856% | 2,670 |
| Noncurrent loans to loans | 0.5880% | 2,571 |
| Net loans and leases to total assets | 78.9845% | 991 |
| Net loans and leases to deposits | 97.6239% | 825 |
| Net loans and leases to core deposits | 106.4734% | 1,141 |
| Total domestic deposits to total assets | 80.9069% | 3,989 |
| Equity capital to assets | 12.0371% | 1,999 |
| Core capital (leverage) ratio | 9.7238% | 3,891 |
| Tier 1 risk-based capital ratio | 11.5991% | 4,690 |
| Total risk-based capital ratio | 12.7726% | 4,625 |
| Memoranda: | ||
| Average total assets | $2,299,676,000 | 378 |
| Average earning assets | $2,095,137,000 | 378 |
| Average equity | $275,562,000 | 368 |
| Average total loans | $1,836,808,500 | 353 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2054% | 3,436 |
| Cost of funding earning assets | 0.6573% | 2,341 |
| Net interest margin | 3.5481% | 3,551 |
| Noninterest income to average assets | 0.5848% | 2,379 |
| Noninterest expense to average assets | 2.3470% | 3,999 |
| Loan and lease loss provision to assets | 0.1887% | 1,017 |
| Net operating income to assets | 1.1241% | 2,500 |
| Return on assets (ROA) | 1.1241% | 2,496 |
| Pretax return on assets | 1.2777% | 2,589 |
| Return on Equity (ROE) | 9.4509% | 2,767 |
| Retained earnings to average equity (ytd only) | 5.7906% | 2,300 |
| Net charge-offs to loans | 0.1015% | 1,742 |
| Credit loss provision to net charge-offs | 235.8226% | 1,254 |
| Earnings coverage of net charge-offs (x) | 18.3268% | 2,138 |
| Efficiency ratio | 60.5087% | 3,775 |
| Assets per employee ($millions) | 5.8602% | 1,619 |
| Cash dividends to net income (ytd only)* | 38.7299% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 2,713 |
| Loan loss allowance to noncurrent loans | 298.8398% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 3,235 |
| Noncurrent loans to loans | 0.3922% | 3,126 |
| Net loans and leases to total assets | 78.8732% | 1,124 |
| Net loans and leases to deposits | 95.9483% | 1,075 |
| Net loans and leases to core deposits | 103.3194% | 1,475 |
| Total domestic deposits to total assets | 82.2039% | 3,592 |
| Equity capital to assets | 11.9486% | 1,935 |
| Core capital (leverage) ratio | 9.7773% | 3,830 |
| Tier 1 risk-based capital ratio | 11.6387% | 4,651 |
| Total risk-based capital ratio | 12.7959% | 4,606 |
| Memoranda: | ||
| Average total assets | $2,225,917,800 | 383 |
| Average earning assets | $2,025,467,000 | 384 |
| Average equity | $264,758,200 | 374 |
| Average total loans | $1,755,179,800 | 362 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 3,468 |
| Cost of funding earning assets | 0.6222% | 2,319 |
| Net interest margin | 3.5259% | 3,615 |
| Noninterest income to average assets | 0.6033% | 2,291 |
| Noninterest expense to average assets | 2.3457% | 3,985 |
| Loan and lease loss provision to assets | 0.1900% | 937 |
| Net operating income to assets | 1.1230% | 2,561 |
| Return on assets (ROA) | 1.1230% | 2,572 |
| Pretax return on assets | 1.2746% | 2,709 |
| Return on Equity (ROE) | 9.4527% | 2,873 |
| Retained earnings to average equity (ytd only) | 5.7732% | 2,776 |
| Net charge-offs to loans | 0.1302% | 1,231 |
| Credit loss provision to net charge-offs | 185.6217% | 1,470 |
| Earnings coverage of net charge-offs (x) | 14.3111% | 2,291 |
| Efficiency ratio | 60.5033% | 3,741 |
| Assets per employee ($millions) | 5.7985% | 1,642 |
| Cash dividends to net income (ytd only)* | 38.9250% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 2,923 |
| Loan loss allowance to noncurrent loans | 245.1423% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3843% | 3,153 |
| Noncurrent loans to loans | 0.4679% | 2,986 |
| Net loans and leases to total assets | 77.9891% | 1,345 |
| Net loans and leases to deposits | 96.0439% | 1,151 |
| Net loans and leases to core deposits | 102.6066% | 1,554 |
| Total domestic deposits to total assets | 81.2015% | 3,815 |
| Equity capital to assets | 11.8395% | 2,011 |
| Core capital (leverage) ratio | 9.7080% | 3,935 |
| Tier 1 risk-based capital ratio | 11.6839% | 4,681 |
| Total risk-based capital ratio | 12.8150% | 4,640 |
| Memoranda: | ||
| Average total assets | $2,211,025,750 | 384 |
| Average earning assets | $2,010,991,500 | 384 |
| Average equity | $262,677,000 | 374 |
| Average total loans | $1,737,971,000 | 363 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1078% | 3,424 |
| Cost of funding earning assets | 0.5933% | 2,269 |
| Net interest margin | 3.5145% | 3,585 |
| Noninterest income to average assets | 0.6317% | 2,171 |
| Noninterest expense to average assets | 2.4048% | 3,884 |
| Loan and lease loss provision to assets | 0.1912% | 908 |
| Net operating income to assets | 1.0835% | 2,649 |
| Return on assets (ROA) | 1.0835% | 2,657 |
| Pretax return on assets | 1.2300% | 2,817 |
| Return on Equity (ROE) | 9.1096% | 2,968 |
| Retained earnings to average equity (ytd only) | 5.4284% | 2,857 |
| Net charge-offs to loans | 0.1725% | 904 |
| Credit loss provision to net charge-offs | 141.2239% | 1,636 |
| Earnings coverage of net charge-offs (x) | 10.4950% | 2,325 |
| Efficiency ratio | 61.7833% | 3,656 |
| Assets per employee ($millions) | 5.7268% | 1,700 |
| Cash dividends to net income (ytd only)* | 40.4102% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1163% | 3,170 |
| Loan loss allowance to noncurrent loans | 256.8298% | 1,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 3,287 |
| Noncurrent loans to loans | 0.4346% | 3,143 |
| Net loans and leases to total assets | 77.6292% | 1,373 |
| Net loans and leases to deposits | 100.6524% | 763 |
| Net loans and leases to core deposits | 104.6345% | 1,344 |
| Total domestic deposits to total assets | 77.1260% | 4,721 |
| Equity capital to assets | 11.8068% | 1,986 |
| Core capital (leverage) ratio | 9.5947% | 4,000 |
| Tier 1 risk-based capital ratio | 11.5133% | 4,778 |
| Total risk-based capital ratio | 12.6053% | 4,768 |
| Memoranda: | ||
| Average total assets | $2,196,164,000 | 385 |
| Average earning assets | $1,996,059,330 | 387 |
| Average equity | $261,218,670 | 373 |
| Average total loans | $1,724,113,670 | 364 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0596% | 3,382 |
| Cost of funding earning assets | 0.5669% | 2,270 |
| Net interest margin | 3.4927% | 3,561 |
| Noninterest income to average assets | 0.6345% | 2,108 |
| Noninterest expense to average assets | 2.3873% | 3,982 |
| Loan and lease loss provision to assets | 0.1929% | 869 |
| Net operating income to assets | 1.0844% | 2,501 |
| Return on assets (ROA) | 1.0844% | 2,519 |
| Pretax return on assets | 1.2289% | 2,644 |
| Return on Equity (ROE) | 9.0823% | 2,873 |
| Retained earnings to average equity (ytd only) | 5.4405% | 2,981 |
| Net charge-offs to loans | 0.0683% | 1,426 |
| Credit loss provision to net charge-offs | 359.5890% | 727 |
| Earnings coverage of net charge-offs (x) | 26.5068% | 1,321 |
| Efficiency ratio | 61.5644% | 3,866 |
| Assets per employee ($millions) | 5.7127% | 1,751 |
| Cash dividends to net income (ytd only)* | 40.0983% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 3,128 |
| Loan loss allowance to noncurrent loans | 216.3722% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 3,060 |
| Noncurrent loans to loans | 0.5281% | 2,941 |
| Net loans and leases to total assets | 77.9755% | 1,242 |
| Net loans and leases to deposits | 98.9708% | 783 |
| Net loans and leases to core deposits | 104.8349% | 1,320 |
| Total domestic deposits to total assets | 78.7863% | 4,609 |
| Equity capital to assets | 11.9203% | 1,847 |
| Core capital (leverage) ratio | 9.5217% | 4,045 |
| Tier 1 risk-based capital ratio | 10.8737% | 5,202 |
| Total risk-based capital ratio | 11.9321% | 5,182 |
| Memoranda: | ||
| Average total assets | $2,177,516,500 | 393 |
| Average earning assets | $1,979,193,000 | 396 |
| Average equity | $259,978,000 | 376 |
| Average total loans | $1,709,476,000 | 370 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 3,461 |
| Cost of funding earning assets | 0.4649% | 2,645 |
| Net interest margin | 3.5183% | 3,471 |
| Noninterest income to average assets | 0.8141% | 1,516 |
| Noninterest expense to average assets | 2.4705% | 3,879 |
| Loan and lease loss provision to assets | 0.2324% | 833 |
| Net operating income to assets | 0.8983% | 2,720 |
| Return on assets (ROA) | 0.8983% | 2,755 |
| Pretax return on assets | 1.2969% | 2,364 |
| Return on Equity (ROE) | 7.2373% | 3,156 |
| Retained earnings to average equity (ytd only) | 3.6027% | 3,103 |
| Net charge-offs to loans | 0.1123% | 1,939 |
| Credit loss provision to net charge-offs | 266.5186% | 1,051 |
| Earnings coverage of net charge-offs (x) | 17.5408% | 2,117 |
| Efficiency ratio | 60.5139% | 4,183 |
| Assets per employee ($millions) | 5.7330% | 1,729 |
| Cash dividends to net income (ytd only)* | 50.2210% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,245 |
| Loan loss allowance to noncurrent loans | 220.7989% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 3,220 |
| Noncurrent loans to loans | 0.5072% | 3,001 |
| Net loans and leases to total assets | 77.2564% | 1,380 |
| Net loans and leases to deposits | 97.1712% | 976 |
| Net loans and leases to core deposits | 102.8929% | 1,495 |
| Total domestic deposits to total assets | 79.5054% | 4,441 |
| Equity capital to assets | 11.9583% | 1,857 |
| Core capital (leverage) ratio | 9.6813% | 3,834 |
| Tier 1 risk-based capital ratio | 11.5299% | 4,833 |
| Total risk-based capital ratio | 12.6260% | 4,810 |
| Memoranda: | ||
| Average total assets | $2,065,695,200 | 397 |
| Average earning assets | $1,870,462,600 | 400 |
| Average equity | $256,394,000 | 361 |
| Average total loans | $1,603,357,000 | 375 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 3,427 |
| Cost of funding earning assets | 0.4517% | 2,703 |
| Net interest margin | 3.5266% | 3,400 |
| Noninterest income to average assets | 0.8853% | 1,318 |
| Noninterest expense to average assets | 2.5245% | 3,651 |
| Loan and lease loss provision to assets | 0.2352% | 764 |
| Net operating income to assets | 1.0389% | 2,377 |
| Return on assets (ROA) | 1.0389% | 2,412 |
| Pretax return on assets | 1.3172% | 2,407 |
| Return on Equity (ROE) | 8.2901% | 2,980 |
| Retained earnings to average equity (ytd only) | 4.6651% | 3,104 |
| Net charge-offs to loans | 0.0616% | 2,233 |
| Credit loss provision to net charge-offs | 493.1507% | 653 |
| Earnings coverage of net charge-offs (x) | 32.5438% | 1,480 |
| Efficiency ratio | 60.6629% | 4,099 |
| Assets per employee ($millions) | 5.5374% | 1,889 |
| Cash dividends to net income (ytd only)* | 43.7260% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 3,179 |
| Loan loss allowance to noncurrent loans | 184.0583% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 3,042 |
| Noncurrent loans to loans | 0.6265% | 2,828 |
| Net loans and leases to total assets | 77.3205% | 1,379 |
| Net loans and leases to deposits | 95.4103% | 1,162 |
| Net loans and leases to core deposits | 100.6966% | 1,647 |
| Total domestic deposits to total assets | 81.0400% | 4,037 |
| Equity capital to assets | 12.4792% | 1,668 |
| Core capital (leverage) ratio | 9.7441% | 3,889 |
| Tier 1 risk-based capital ratio | 11.5958% | 4,886 |
| Total risk-based capital ratio | 12.7251% | 4,868 |
| Memoranda: | ||
| Average total assets | $2,040,347,750 | 403 |
| Average earning assets | $1,846,575,500 | 408 |
| Average equity | $255,705,750 | 364 |
| Average total loans | $1,580,903,500 | 378 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,375 |
| Cost of funding earning assets | 0.4455% | 2,647 |
| Net interest margin | 3.5047% | 3,380 |
| Noninterest income to average assets | 0.9838% | 1,058 |
| Noninterest expense to average assets | 2.5857% | 3,481 |
| Loan and lease loss provision to assets | 0.2371% | 715 |
| Net operating income to assets | 1.0484% | 2,214 |
| Return on assets (ROA) | 1.0484% | 2,257 |
| Pretax return on assets | 1.3333% | 2,258 |
| Return on Equity (ROE) | 8.3533% | 2,848 |
| Retained earnings to average equity (ytd only) | 4.7445% | 2,889 |
| Net charge-offs to loans | 0.0715% | 1,919 |
| Credit loss provision to net charge-offs | 429.3381% | 746 |
| Earnings coverage of net charge-offs (x) | 28.4383% | 1,504 |
| Efficiency ratio | 60.9645% | 4,171 |
| Assets per employee ($millions) | 5.5229% | 1,851 |
| Cash dividends to net income (ytd only)* | 43.2017% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1145% | 3,499 |
| Loan loss allowance to noncurrent loans | 195.3687% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 3,271 |
| Noncurrent loans to loans | 0.5704% | 3,017 |
| Net loans and leases to total assets | 76.6761% | 1,432 |
| Net loans and leases to deposits | 96.1157% | 1,067 |
| Net loans and leases to core deposits | 101.0955% | 1,578 |
| Total domestic deposits to total assets | 79.7748% | 4,465 |
| Equity capital to assets | 12.5164% | 1,610 |
| Core capital (leverage) ratio | 9.8541% | 3,711 |
| Tier 1 risk-based capital ratio | 11.9043% | 4,697 |
| Total risk-based capital ratio | 12.9932% | 4,695 |
| Memoranda: | ||
| Average total assets | $2,024,596,330 | 406 |
| Average earning assets | $1,832,579,330 | 408 |
| Average equity | $254,102,330 | 368 |
| Average total loans | $1,563,546,330 | 382 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9333% | 3,266 |
| Cost of funding earning assets | 0.4306% | 2,716 |
| Net interest margin | 3.5026% | 3,267 |
| Noninterest income to average assets | 0.7343% | 1,807 |
| Noninterest expense to average assets | 2.4504% | 3,963 |
| Loan and lease loss provision to assets | 0.2392% | 646 |
| Net operating income to assets | 0.9645% | 2,462 |
| Return on assets (ROA) | 0.9645% | 2,517 |
| Pretax return on assets | 1.2156% | 2,529 |
| Return on Equity (ROE) | 7.6739% | 3,084 |
| Retained earnings to average equity (ytd only) | 4.0391% | 3,442 |
| Net charge-offs to loans | 0.0497% | 1,867 |
| Credit loss provision to net charge-offs | 625.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 38.0156% | 1,067 |
| Efficiency ratio | 61.3791% | 4,247 |
| Assets per employee ($millions) | 5.4852% | 1,905 |
| Cash dividends to net income (ytd only)* | 47.3652% | 1,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,780 |
| Loan loss allowance to noncurrent loans | 169.6391% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 3,195 |
| Noncurrent loans to loans | 0.6411% | 2,902 |
| Net loans and leases to total assets | 76.4573% | 1,331 |
| Net loans and leases to deposits | 95.2976% | 982 |
| Net loans and leases to core deposits | 100.2785% | 1,486 |
| Total domestic deposits to total assets | 80.2301% | 4,576 |
| Equity capital to assets | 12.5631% | 1,491 |
| Core capital (leverage) ratio | 9.8872% | 3,640 |
| Tier 1 risk-based capital ratio | 11.9473% | 4,752 |
| Total risk-based capital ratio | 13.0085% | 4,781 |
| Memoranda: | ||
| Average total assets | $2,006,873,500 | 414 |
| Average earning assets | $1,816,798,500 | 416 |
| Average equity | $252,231,500 | 370 |
| Average total loans | $1,546,638,500 | 385 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 3,154 |
| Cost of funding earning assets | 0.4205% | 2,804 |
| Net interest margin | 3.5919% | 3,098 |
| Noninterest income to average assets | 0.7818% | 1,822 |
| Noninterest expense to average assets | 2.4998% | 4,016 |
| Loan and lease loss provision to assets | 0.2622% | 784 |
| Net operating income to assets | 1.0081% | 2,322 |
| Return on assets (ROA) | 1.0342% | 2,310 |
| Pretax return on assets | 1.3008% | 2,285 |
| Return on Equity (ROE) | 7.9630% | 2,955 |
| Retained earnings to average equity (ytd only) | 4.2601% | 2,876 |
| Net charge-offs to loans | 0.1385% | 1,867 |
| Credit loss provision to net charge-offs | 248.2622% | 1,170 |
| Earnings coverage of net charge-offs (x) | 14.4891% | 2,281 |
| Efficiency ratio | 60.4848% | 4,507 |
| Assets per employee ($millions) | 5.6521% | 1,740 |
| Cash dividends to net income (ytd only)* | 46.5014% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 4,066 |
| Loan loss allowance to noncurrent loans | 133.1193% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.6206% | 2,867 |
| Noncurrent loans to loans | 0.7821% | 2,561 |
| Net loans and leases to total assets | 76.0335% | 1,509 |
| Net loans and leases to deposits | 95.2470% | 1,072 |
| Net loans and leases to core deposits | 100.2526% | 1,599 |
| Total domestic deposits to total assets | 79.8277% | 4,607 |
| Equity capital to assets | 12.5738% | 1,472 |
| Core capital (leverage) ratio | 9.8759% | 3,660 |
| Tier 1 risk-based capital ratio | 12.1375% | 4,631 |
| Total risk-based capital ratio | 13.1618% | 4,676 |
| Memoranda: | ||
| Average total assets | $1,906,893,200 | 408 |
| Average earning assets | $1,724,485,000 | 415 |
| Average equity | $247,670,800 | 364 |
| Average total loans | $1,454,231,800 | 384 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,144 |
| Cost of funding earning assets | 0.4152% | 2,885 |
| Net interest margin | 3.6053% | 3,055 |
| Noninterest income to average assets | 0.7911% | 1,799 |
| Noninterest expense to average assets | 2.5110% | 3,951 |
| Loan and lease loss provision to assets | 0.2547% | 733 |
| Net operating income to assets | 1.0235% | 2,319 |
| Return on assets (ROA) | 1.0587% | 2,280 |
| Pretax return on assets | 1.3308% | 2,309 |
| Return on Equity (ROE) | 8.0834% | 2,962 |
| Retained earnings to average equity (ytd only) | 4.3676% | 3,227 |
| Net charge-offs to loans | 0.0802% | 2,178 |
| Credit loss provision to net charge-offs | 417.1495% | 814 |
| Earnings coverage of net charge-offs (x) | 25.2491% | 1,644 |
| Efficiency ratio | 60.3942% | 4,482 |
| Assets per employee ($millions) | 5.5671% | 1,788 |
| Cash dividends to net income (ytd only)* | 45.9678% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 4,232 |
| Loan loss allowance to noncurrent loans | 120.3708% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7000% | 2,812 |
| Noncurrent loans to loans | 0.8572% | 2,541 |
| Net loans and leases to total assets | 76.6868% | 1,411 |
| Net loans and leases to deposits | 96.0048% | 1,046 |
| Net loans and leases to core deposits | 100.6828% | 1,572 |
| Total domestic deposits to total assets | 79.8780% | 4,539 |
| Equity capital to assets | 12.7562% | 1,617 |
| Core capital (leverage) ratio | 9.9954% | 3,577 |
| Tier 1 risk-based capital ratio | 12.0416% | 4,764 |
| Total risk-based capital ratio | 13.0561% | 4,809 |
| Memoranda: | ||
| Average total assets | $1,884,821,750 | 411 |
| Average earning assets | $1,704,975,250 | 418 |
| Average equity | $246,871,250 | 364 |
| Average total loans | $1,434,548,500 | 389 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0263% | 3,157 |
| Cost of funding earning assets | 0.4147% | 2,887 |
| Net interest margin | 3.6116% | 3,052 |
| Noninterest income to average assets | 0.7799% | 1,809 |
| Noninterest expense to average assets | 2.5327% | 3,937 |
| Loan and lease loss provision to assets | 0.2583% | 737 |
| Net operating income to assets | 1.0050% | 2,368 |
| Return on assets (ROA) | 1.0586% | 2,260 |
| Pretax return on assets | 1.3222% | 2,314 |
| Return on Equity (ROE) | 8.0089% | 2,969 |
| Retained earnings to average equity (ytd only) | 4.2736% | 3,193 |
| Net charge-offs to loans | 0.0820% | 2,030 |
| Credit loss provision to net charge-offs | 416.6667% | 753 |
| Earnings coverage of net charge-offs (x) | 24.4097% | 1,549 |
| Efficiency ratio | 60.9939% | 4,517 |
| Assets per employee ($millions) | 5.5544% | 1,738 |
| Cash dividends to net income (ytd only)* | 46.6396% | 2,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 4,457 |
| Loan loss allowance to noncurrent loans | 130.3188% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6671% | 3,004 |
| Noncurrent loans to loans | 0.7753% | 2,809 |
| Net loans and leases to total assets | 76.1102% | 1,477 |
| Net loans and leases to deposits | 96.6157% | 1,017 |
| Net loans and leases to core deposits | 101.3617% | 1,525 |
| Total domestic deposits to total assets | 78.7762% | 4,836 |
| Equity capital to assets | 13.0474% | 1,476 |
| Core capital (leverage) ratio | 10.0982% | 3,452 |
| Tier 1 risk-based capital ratio | 12.2385% | 4,680 |
| Total risk-based capital ratio | 13.2256% | 4,756 |
| Memoranda: | ||
| Average total assets | $1,858,033,330 | 416 |
| Average earning assets | $1,680,354,330 | 422 |
| Average equity | $245,600,670 | 366 |
| Average total loans | $1,405,147,670 | 395 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 3,100 |
| Cost of funding earning assets | 0.4149% | 2,905 |
| Net interest margin | 3.6182% | 3,012 |
| Noninterest income to average assets | 0.7815% | 1,687 |
| Noninterest expense to average assets | 2.5117% | 4,035 |
| Loan and lease loss provision to assets | 0.2617% | 655 |
| Net operating income to assets | 1.0311% | 2,155 |
| Return on assets (ROA) | 1.0737% | 2,111 |
| Pretax return on assets | 1.3310% | 2,178 |
| Return on Equity (ROE) | 8.0683% | 2,875 |
| Retained earnings to average equity (ytd only) | 4.3078% | 3,326 |
| Net charge-offs to loans | 0.0049% | 2,946 |
| Credit loss provision to net charge-offs | 7,058.8235% | 49 |
| Earnings coverage of net charge-offs (x) | 415.4706% | 143 |
| Efficiency ratio | 60.3433% | 4,702 |
| Assets per employee ($millions) | 5.4112% | 1,912 |
| Cash dividends to net income (ytd only)* | 46.6084% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 4,583 |
| Loan loss allowance to noncurrent loans | 132.3301% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 3,102 |
| Noncurrent loans to loans | 0.7589% | 2,937 |
| Net loans and leases to total assets | 75.1928% | 1,519 |
| Net loans and leases to deposits | 94.3247% | 1,110 |
| Net loans and leases to core deposits | 98.5831% | 1,595 |
| Total domestic deposits to total assets | 79.7170% | 4,812 |
| Equity capital to assets | 13.2252% | 1,306 |
| Core capital (leverage) ratio | 10.1710% | 3,346 |
| Tier 1 risk-based capital ratio | 12.5233% | 4,561 |
| Total risk-based capital ratio | 13.5047% | 4,648 |
| Memoranda: | ||
| Average total assets | $1,834,477,500 | 419 |
| Average earning assets | $1,658,052,000 | 423 |
| Average equity | $244,115,500 | 365 |
| Average total loans | $1,375,317,500 | 399 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9979% | 3,314 |
| Cost of funding earning assets | 0.3818% | 3,348 |
| Net interest margin | 3.6161% | 3,073 |
| Noninterest income to average assets | 0.8136% | 1,730 |
| Noninterest expense to average assets | 2.6519% | 3,751 |
| Loan and lease loss provision to assets | 0.2111% | 989 |
| Net operating income to assets | 0.9645% | 2,555 |
| Return on assets (ROA) | 1.0188% | 2,343 |
| Pretax return on assets | 1.2808% | 2,355 |
| Return on Equity (ROE) | 7.3268% | 3,346 |
| Retained earnings to average equity (ytd only) | 3.5033% | 3,570 |
| Net charge-offs to loans | 0.0889% | 2,546 |
| Credit loss provision to net charge-offs | 330.0624% | 912 |
| Earnings coverage of net charge-offs (x) | 22.2623% | 1,780 |
| Efficiency ratio | 63.3888% | 4,383 |
| Assets per employee ($millions) | 5.2095% | 2,113 |
| Cash dividends to net income (ytd only)* | 52.1844% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 4,787 |
| Loan loss allowance to noncurrent loans | 113.4972% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 3,001 |
| Noncurrent loans to loans | 0.8526% | 2,651 |
| Net loans and leases to total assets | 73.2463% | 1,847 |
| Net loans and leases to deposits | 91.2131% | 1,485 |
| Net loans and leases to core deposits | 94.9429% | 1,949 |
| Total domestic deposits to total assets | 80.3024% | 4,664 |
| Equity capital to assets | 13.3909% | 1,169 |
| Core capital (leverage) ratio | 10.4777% | 2,955 |
| Tier 1 risk-based capital ratio | 13.1063% | 4,241 |
| Total risk-based capital ratio | 14.0544% | 4,348 |
| Memoranda: | ||
| Average total assets | $1,752,431,800 | 419 |
| Average earning assets | $1,580,996,800 | 418 |
| Average equity | $243,681,800 | 355 |
| Average total loans | $1,260,586,800 | 400 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,349 |
| Cost of funding earning assets | 0.3801% | 3,437 |
| Net interest margin | 3.6194% | 3,084 |
| Noninterest income to average assets | 0.8291% | 1,692 |
| Noninterest expense to average assets | 2.6178% | 3,809 |
| Loan and lease loss provision to assets | 0.1842% | 1,122 |
| Net operating income to assets | 1.0152% | 2,391 |
| Return on assets (ROA) | 1.0746% | 2,205 |
| Pretax return on assets | 1.3673% | 2,149 |
| Return on Equity (ROE) | 7.6540% | 3,251 |
| Retained earnings to average equity (ytd only) | 3.8188% | 3,755 |
| Net charge-offs to loans | 0.0809% | 2,395 |
| Credit loss provision to net charge-offs | 318.7251% | 916 |
| Earnings coverage of net charge-offs (x) | 25.5473% | 1,659 |
| Efficiency ratio | 62.2603% | 4,527 |
| Assets per employee ($millions) | 5.1829% | 2,082 |
| Cash dividends to net income (ytd only)* | 50.1071% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9453% | 4,996 |
| Loan loss allowance to noncurrent loans | 109.4321% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.6504% | 3,304 |
| Noncurrent loans to loans | 0.8638% | 2,818 |
| Net loans and leases to total assets | 71.6129% | 2,120 |
| Net loans and leases to deposits | 87.3527% | 1,986 |
| Net loans and leases to core deposits | 90.7098% | 2,387 |
| Total domestic deposits to total assets | 81.9814% | 4,169 |
| Equity capital to assets | 13.9418% | 1,050 |
| Core capital (leverage) ratio | 10.8605% | 2,633 |
| Tier 1 risk-based capital ratio | 13.9224% | 3,890 |
| Total risk-based capital ratio | 14.8423% | 4,015 |
| Memoranda: | ||
| Average total assets | $1,737,312,250 | 421 |
| Average earning assets | $1,567,225,250 | 424 |
| Average equity | $243,911,000 | 364 |
| Average total loans | $1,240,517,250 | 407 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0268% | 3,179 |
| Cost of funding earning assets | 0.3827% | 3,453 |
| Net interest margin | 3.6441% | 2,929 |
| Noninterest income to average assets | 0.8003% | 1,777 |
| Noninterest expense to average assets | 2.5946% | 3,925 |
| Loan and lease loss provision to assets | 0.1735% | 1,201 |
| Net operating income to assets | 1.0313% | 2,222 |
| Return on assets (ROA) | 1.1064% | 2,017 |
| Pretax return on assets | 1.4152% | 1,909 |
| Return on Equity (ROE) | 7.8620% | 3,136 |
| Retained earnings to average equity (ytd only) | 4.0161% | 3,458 |
| Net charge-offs to loans | 0.0761% | 2,301 |
| Credit loss provision to net charge-offs | 320.5128% | 889 |
| Earnings coverage of net charge-offs (x) | 27.5705% | 1,447 |
| Efficiency ratio | 61.7847% | 4,704 |
| Assets per employee ($millions) | 5.0671% | 2,181 |
| Cash dividends to net income (ytd only)* | 48.9179% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 5,198 |
| Loan loss allowance to noncurrent loans | 113.6549% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 0.5961% | 3,625 |
| Noncurrent loans to loans | 0.8145% | 3,089 |
| Net loans and leases to total assets | 70.1627% | 2,289 |
| Net loans and leases to deposits | 85.8373% | 2,072 |
| Net loans and leases to core deposits | 88.9302% | 2,462 |
| Total domestic deposits to total assets | 81.7391% | 4,373 |
| Equity capital to assets | 13.9972% | 981 |
| Core capital (leverage) ratio | 10.9242% | 2,501 |
| Tier 1 risk-based capital ratio | 15.4024% | 3,162 |
| Total risk-based capital ratio | 16.3761% | 3,230 |
| Memoranda: | ||
| Average total assets | $1,729,026,330 | 423 |
| Average earning assets | $1,559,513,670 | 422 |
| Average equity | $243,321,670 | 365 |
| Average total loans | $1,229,361,670 | 407 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,061 |
| Cost of funding earning assets | 0.3947% | 3,363 |
| Net interest margin | 3.6526% | 2,803 |
| Noninterest income to average assets | 0.7872% | 1,756 |
| Noninterest expense to average assets | 2.5698% | 4,029 |
| Loan and lease loss provision to assets | 0.1742% | 1,126 |
| Net operating income to assets | 1.0289% | 2,138 |
| Return on assets (ROA) | 1.1777% | 1,714 |
| Pretax return on assets | 1.5359% | 1,434 |
| Return on Equity (ROE) | 8.3460% | 2,782 |
| Retained earnings to average equity (ytd only) | 4.4940% | 3,327 |
| Net charge-offs to loans | 0.1118% | 1,625 |
| Credit loss provision to net charge-offs | 218.6589% | 997 |
| Earnings coverage of net charge-offs (x) | 19.0379% | 1,460 |
| Efficiency ratio | 61.1493% | 4,937 |
| Assets per employee ($millions) | 5.0100% | 2,344 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 5,520 |
| Loan loss allowance to noncurrent loans | 99.9260% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 3,545 |
| Noncurrent loans to loans | 0.8717% | 3,067 |
| Net loans and leases to total assets | 71.9653% | 1,806 |
| Net loans and leases to deposits | 86.8048% | 1,735 |
| Net loans and leases to core deposits | 89.9206% | 2,138 |
| Total domestic deposits to total assets | 82.9048% | 4,203 |
| Equity capital to assets | 14.2185% | 917 |
| Core capital (leverage) ratio | 10.8823% | 2,533 |
| Tier 1 risk-based capital ratio | 15.1916% | 3,324 |
| Total risk-based capital ratio | 16.1103% | 3,445 |
| Memoranda: | ||
| Average total assets | $1,721,993,000 | 427 |
| Average earning assets | $1,555,495,000 | 424 |
| Average equity | $242,990,500 | 362 |
| Average total loans | $1,226,828,000 | 401 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1644% | 3,064 |
| Cost of funding earning assets | 0.4319% | 3,363 |
| Net interest margin | 3.7325% | 2,869 |
| Noninterest income to average assets | 0.8222% | 1,783 |
| Noninterest expense to average assets | 2.6511% | 4,045 |
| Loan and lease loss provision to assets | 0.2052% | 1,224 |
| Net operating income to assets | 0.9959% | 2,401 |
| Return on assets (ROA) | 1.0174% | 2,385 |
| Pretax return on assets | 1.3372% | 2,118 |
| Return on Equity (ROE) | 7.3409% | 3,445 |
| Retained earnings to average equity (ytd only) | 3.4078% | 3,782 |
| Net charge-offs to loans | 0.1498% | 2,538 |
| Credit loss provision to net charge-offs | 198.0888% | 1,246 |
| Earnings coverage of net charge-offs (x) | 14.6144% | 2,146 |
| Efficiency ratio | 61.7827% | 4,941 |
| Assets per employee ($millions) | 4.9872% | 2,339 |
| Cash dividends to net income (ytd only)* | 53.5776% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 5,616 |
| Loan loss allowance to noncurrent loans | 100.5124% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 3,693 |
| Noncurrent loans to loans | 0.8524% | 3,181 |
| Net loans and leases to total assets | 69.3138% | 2,336 |
| Net loans and leases to deposits | 84.3820% | 2,167 |
| Net loans and leases to core deposits | 87.4540% | 2,558 |
| Total domestic deposits to total assets | 82.1428% | 4,367 |
| Equity capital to assets | 14.0052% | 952 |
| Core capital (leverage) ratio | 10.4243% | 3,032 |
| Tier 1 risk-based capital ratio | 14.2829% | 3,909 |
| Total risk-based capital ratio | 15.1463% | 4,107 |
| Memoranda: | ||
| Average total assets | $1,717,063,200 | 415 |
| Average earning assets | $1,537,892,600 | 418 |
| Average equity | $237,982,600 | 348 |
| Average total loans | $1,187,240,000 | 395 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 2,807 |
| Cost of funding earning assets | 0.4406% | 3,362 |
| Net interest margin | 3.8088% | 2,585 |
| Noninterest income to average assets | 0.8281% | 1,786 |
| Noninterest expense to average assets | 2.7131% | 3,783 |
| Loan and lease loss provision to assets | 0.2121% | 1,090 |
| Net operating income to assets | 0.9888% | 2,506 |
| Return on assets (ROA) | 1.0175% | 2,431 |
| Pretax return on assets | 1.3446% | 2,217 |
| Return on Equity (ROE) | 7.3613% | 3,518 |
| Retained earnings to average equity (ytd only) | 3.4072% | 4,195 |
| Net charge-offs to loans | 0.1294% | 2,500 |
| Credit loss provision to net charge-offs | 237.6963% | 1,102 |
| Earnings coverage of net charge-offs (x) | 17.0227% | 1,926 |
| Efficiency ratio | 62.2512% | 4,852 |
| Assets per employee ($millions) | 4.8578% | 2,437 |
| Cash dividends to net income (ytd only)* | 53.7149% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8647% | 5,701 |
| Loan loss allowance to noncurrent loans | 79.9515% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 3,443 |
| Noncurrent loans to loans | 1.0816% | 2,910 |
| Net loans and leases to total assets | 68.1922% | 2,499 |
| Net loans and leases to deposits | 82.2520% | 2,395 |
| Net loans and leases to core deposits | 85.2909% | 2,746 |
| Total domestic deposits to total assets | 82.9065% | 4,182 |
| Equity capital to assets | 13.9560% | 1,024 |
| Core capital (leverage) ratio | 10.2438% | 3,351 |
| Tier 1 risk-based capital ratio | 14.1312% | 4,120 |
| Total risk-based capital ratio | 14.9838% | 4,330 |
| Memoranda: | ||
| Average total assets | $1,712,438,500 | 415 |
| Average earning assets | $1,530,365,500 | 418 |
| Average equity | $236,711,000 | 346 |
| Average total loans | $1,180,705,000 | 393 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 2,777 |
| Cost of funding earning assets | 0.4480% | 3,350 |
| Net interest margin | 3.7995% | 2,573 |
| Noninterest income to average assets | 0.8209% | 1,761 |
| Noninterest expense to average assets | 2.7676% | 3,622 |
| Loan and lease loss provision to assets | 0.2407% | 934 |
| Net operating income to assets | 0.9362% | 2,618 |
| Return on assets (ROA) | 0.9375% | 2,718 |
| Pretax return on assets | 1.2015% | 2,663 |
| Return on Equity (ROE) | 6.8043% | 3,716 |
| Retained earnings to average equity (ytd only) | 2.8317% | 4,401 |
| Net charge-offs to loans | 0.1749% | 1,992 |
| Credit loss provision to net charge-offs | 199.4186% | 1,178 |
| Earnings coverage of net charge-offs (x) | 11.9351% | 2,102 |
| Efficiency ratio | 63.8883% | 4,702 |
| Assets per employee ($millions) | 4.8131% | 2,456 |
| Cash dividends to net income (ytd only)* | 58.3832% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8183% | 5,930 |
| Loan loss allowance to noncurrent loans | 63.2071% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 0.9248% | 3,236 |
| Noncurrent loans to loans | 1.2946% | 2,642 |
| Net loans and leases to total assets | 68.0709% | 2,404 |
| Net loans and leases to deposits | 82.4331% | 2,202 |
| Net loans and leases to core deposits | 85.8068% | 2,534 |
| Total domestic deposits to total assets | 82.5771% | 4,455 |
| Equity capital to assets | 13.8185% | 1,044 |
| Core capital (leverage) ratio | 9.8805% | 3,771 |
| Tier 1 risk-based capital ratio | 13.8256% | 4,373 |
| Total risk-based capital ratio | 14.6297% | 4,613 |
| Memoranda: | ||
| Average total assets | $1,710,031,670 | 414 |
| Average earning assets | $1,524,459,670 | 418 |
| Average equity | $235,616,000 | 345 |
| Average total loans | $1,179,972,330 | 388 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,479 |
| Cost of funding earning assets | 0.4424% | 3,511 |
| Net interest margin | 3.8691% | 2,198 |
| Noninterest income to average assets | 0.8223% | 1,665 |
| Noninterest expense to average assets | 2.6289% | 4,183 |
| Loan and lease loss provision to assets | 0.2012% | 1,159 |
| Net operating income to assets | 1.1057% | 1,796 |
| Return on assets (ROA) | 1.1057% | 1,851 |
| Pretax return on assets | 1.4563% | 1,565 |
| Return on Equity (ROE) | 8.0368% | 2,912 |
| Retained earnings to average equity (ytd only) | 4.0432% | 3,688 |
| Net charge-offs to loans | 0.2203% | 1,443 |
| Credit loss provision to net charge-offs | 132.0493% | 1,371 |
| Earnings coverage of net charge-offs (x) | 10.8767% | 1,823 |
| Efficiency ratio | 59.4577% | 5,478 |
| Assets per employee ($millions) | 4.7974% | 2,515 |
| Cash dividends to net income (ytd only)* | 49.6921% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 6,193 |
| Loan loss allowance to noncurrent loans | 51.9925% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 3,192 |
| Noncurrent loans to loans | 1.4453% | 2,619 |
| Net loans and leases to total assets | 68.1274% | 2,203 |
| Net loans and leases to deposits | 83.3302% | 1,902 |
| Net loans and leases to core deposits | 86.9888% | 2,194 |
| Total domestic deposits to total assets | 81.7560% | 5,013 |
| Equity capital to assets | 13.7592% | 1,008 |
| Core capital (leverage) ratio | 9.9291% | 3,665 |
| Tier 1 risk-based capital ratio | 13.1613% | 4,915 |
| Total risk-based capital ratio | 13.8881% | 5,165 |
| Memoranda: | ||
| Average total assets | $1,703,499,500 | 415 |
| Average earning assets | $1,525,202,000 | 418 |
| Average equity | $234,371,000 | 346 |
| Average total loans | $1,178,656,500 | 388 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 1,987 |
| Cost of funding earning assets | 0.5100% | 3,499 |
| Net interest margin | 4.0535% | 1,792 |
| Noninterest income to average assets | 1.3403% | 771 |
| Noninterest expense to average assets | 3.9667% | 901 |
| Loan and lease loss provision to assets | 0.2656% | 1,331 |
| Net operating income to assets | 0.7821% | 3,383 |
| Return on assets (ROA) | 0.6366% | 4,195 |
| Pretax return on assets | 0.6898% | 4,580 |
| Return on Equity (ROE) | 5.7531% | 4,241 |
| Retained earnings to average equity (ytd only) | -2.7343% | 6,247 |
| Net charge-offs to loans | 0.1055% | 3,775 |
| Credit loss provision to net charge-offs | 357.7273% | 637 |
| Earnings coverage of net charge-offs (x) | 14.8242% | 1,916 |
| Efficiency ratio | 77.5588% | 2,532 |
| Assets per employee ($millions) | 4.7726% | 2,483 |
| Cash dividends to net income (ytd only)* | 147.5265% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7341% | 6,303 |
| Loan loss allowance to noncurrent loans | 43.4898% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2157% | 2,971 |
| Noncurrent loans to loans | 1.6881% | 2,380 |
| Net loans and leases to total assets | 69.2344% | 2,138 |
| Net loans and leases to deposits | 84.7834% | 1,827 |
| Net loans and leases to core deposits | 88.6695% | 2,168 |
| Total domestic deposits to total assets | 81.6604% | 4,986 |
| Equity capital to assets | 13.7572% | 981 |
| Core capital (leverage) ratio | 9.7859% | 3,862 |
| Tier 1 risk-based capital ratio | 13.0942% | 4,916 |
| Total risk-based capital ratio | 13.7647% | 5,235 |
| Memoranda: | ||
| Average total assets | $889,070,400 | 744 |
| Average earning assets | $817,441,200 | 730 |
| Average equity | $98,381,000 | 718 |
| Average total loans | $625,622,200 | 669 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 2,312 |
| Cost of funding earning assets | 0.6727% | 2,156 |
| Net interest margin | 3.8070% | 2,612 |
| Noninterest income to average assets | 0.6026% | 3,133 |
| Noninterest expense to average assets | 2.3755% | 5,094 |
| Loan and lease loss provision to assets | 0.0958% | 3,162 |
| Net operating income to assets | 1.3479% | 1,227 |
| Return on assets (ROA) | 1.3477% | 1,275 |
| Pretax return on assets | 1.6883% | 1,125 |
| Return on Equity (ROE) | 14.3137% | 923 |
| Retained earnings to average equity (ytd only) | 9.9378% | 803 |
| Net charge-offs to loans | 0.0659% | 3,976 |
| Credit loss provision to net charge-offs | 205.3942% | 1,179 |
| Earnings coverage of net charge-offs (x) | 38.2567% | 1,039 |
| Efficiency ratio | 56.7341% | 5,832 |
| Assets per employee ($millions) | 4.8697% | 2,343 |
| Cash dividends to net income (ytd only)* | 30.5716% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 4,174 |
| Loan loss allowance to noncurrent loans | 82.2800% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.3061% | 3,043 |
| Noncurrent loans to loans | 1.6329% | 2,725 |
| Net loans and leases to total assets | 70.1113% | 1,946 |
| Net loans and leases to deposits | 80.7011% | 2,305 |
| Net loans and leases to core deposits | 82.3269% | 2,845 |
| Total domestic deposits to total assets | 86.8777% | 2,756 |
| Equity capital to assets | 9.2320% | 4,898 |
| Core capital (leverage) ratio | 8.8969% | 5,264 |
| Tier 1 risk-based capital ratio | 11.5018% | 6,058 |
| Total risk-based capital ratio | 12.7509% | 6,021 |
| Memoranda: | ||
| Average total assets | $688,960,000 | 973 |
| Average earning assets | $643,752,750 | 948 |
| Average equity | $64,868,750 | 1,115 |
| Average total loans | $487,434,000 | 873 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 2,255 |
| Cost of funding earning assets | 0.6760% | 2,257 |
| Net interest margin | 3.8088% | 2,522 |
| Noninterest income to average assets | 0.6153% | 3,101 |
| Noninterest expense to average assets | 2.3180% | 5,307 |
| Loan and lease loss provision to assets | 0.0971% | 3,169 |
| Net operating income to assets | 1.3614% | 1,166 |
| Return on assets (ROA) | 1.3612% | 1,249 |
| Pretax return on assets | 1.7597% | 1,000 |
| Return on Equity (ROE) | 14.3587% | 935 |
| Retained earnings to average equity (ytd only) | 9.9561% | 853 |
| Net charge-offs to loans | 0.0733% | 3,663 |
| Credit loss provision to net charge-offs | 187.5000% | 1,269 |
| Earnings coverage of net charge-offs (x) | 35.8750% | 1,009 |
| Efficiency ratio | 55.1391% | 6,054 |
| Assets per employee ($millions) | 4.5374% | 2,763 |
| Cash dividends to net income (ytd only)* | 30.6612% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3653% | 4,188 |
| Loan loss allowance to noncurrent loans | 82.0541% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.4740% | 2,898 |
| Noncurrent loans to loans | 1.6640% | 2,818 |
| Net loans and leases to total assets | 70.5459% | 1,794 |
| Net loans and leases to deposits | 81.4981% | 2,117 |
| Net loans and leases to core deposits | 83.2048% | 2,664 |
| Total domestic deposits to total assets | 86.5614% | 3,088 |
| Equity capital to assets | 9.3990% | 4,721 |
| Core capital (leverage) ratio | 9.0120% | 4,967 |
| Tier 1 risk-based capital ratio | 11.5923% | 6,062 |
| Total risk-based capital ratio | 12.8426% | 6,018 |
| Memoranda: | ||
| Average total assets | $679,997,330 | 981 |
| Average earning assets | $635,536,330 | 964 |
| Average equity | $64,462,670 | 1,126 |
| Average total loans | $480,337,000 | 875 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 2,527 |
| Cost of funding earning assets | 0.6910% | 2,298 |
| Net interest margin | 3.7086% | 2,818 |
| Noninterest income to average assets | 0.6493% | 2,878 |
| Noninterest expense to average assets | 2.2774% | 5,483 |
| Loan and lease loss provision to assets | 0.0978% | 3,058 |
| Net operating income to assets | 1.3609% | 1,123 |
| Return on assets (ROA) | 1.3609% | 1,212 |
| Pretax return on assets | 1.7401% | 992 |
| Return on Equity (ROE) | 14.2933% | 903 |
| Retained earnings to average equity (ytd only) | 9.8815% | 1,133 |
| Net charge-offs to loans | 0.0937% | 2,910 |
| Credit loss provision to net charge-offs | 148.6486% | 1,379 |
| Earnings coverage of net charge-offs (x) | 27.9459% | 1,001 |
| Efficiency ratio | 54.9525% | 6,159 |
| Assets per employee ($millions) | 4.6149% | 2,781 |
| Cash dividends to net income (ytd only)* | 30.8663% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,325 |
| Loan loss allowance to noncurrent loans | 74.2835% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 1.6135% | 2,845 |
| Noncurrent loans to loans | 1.8607% | 2,784 |
| Net loans and leases to total assets | 69.7838% | 1,698 |
| Net loans and leases to deposits | 81.2581% | 1,929 |
| Net loans and leases to core deposits | 82.9990% | 2,458 |
| Total domestic deposits to total assets | 85.8792% | 3,597 |
| Equity capital to assets | 9.5932% | 4,716 |
| Core capital (leverage) ratio | 9.0175% | 4,855 |
| Tier 1 risk-based capital ratio | 11.5795% | 6,137 |
| Total risk-based capital ratio | 12.8299% | 6,109 |
| Memoranda: | ||
| Average total assets | $675,152,500 | 998 |
| Average earning assets | $630,974,000 | 982 |
| Average equity | $64,282,000 | 1,147 |
| Average total loans | $473,865,000 | 893 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6684% | 2,716 |
| Cost of funding earning assets | 0.8715% | 2,129 |
| Net interest margin | 3.7969% | 3,241 |
| Noninterest income to average assets | 0.6411% | 3,046 |
| Noninterest expense to average assets | 2.2431% | 5,827 |
| Loan and lease loss provision to assets | 0.2636% | 2,537 |
| Net operating income to assets | 1.3792% | 1,133 |
| Return on assets (ROA) | 1.4314% | 1,163 |
| Pretax return on assets | 1.7446% | 1,032 |
| Return on Equity (ROE) | 16.4466% | 599 |
| Retained earnings to average equity (ytd only) | 11.6547% | 356 |
| Net charge-offs to loans | 0.1004% | 4,663 |
| Credit loss provision to net charge-offs | 366.0907% | 667 |
| Earnings coverage of net charge-offs (x) | 27.0022% | 1,082 |
| Efficiency ratio | 53.0137% | 6,368 |
| Assets per employee ($millions) | 4.5709% | 2,837 |
| Cash dividends to net income (ytd only)* | 29.1363% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 4,138 |
| Loan loss allowance to noncurrent loans | 74.8266% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.6070% | 2,982 |
| Noncurrent loans to loans | 1.8805% | 2,826 |
| Net loans and leases to total assets | 68.6259% | 2,082 |
| Net loans and leases to deposits | 80.2863% | 2,245 |
| Net loans and leases to core deposits | 81.9455% | 2,780 |
| Total domestic deposits to total assets | 85.4765% | 3,624 |
| Equity capital to assets | 9.4483% | 4,938 |
| Core capital (leverage) ratio | 8.7631% | 5,242 |
| Tier 1 risk-based capital ratio | 11.5592% | 6,055 |
| Total risk-based capital ratio | 12.8100% | 6,020 |
| Memoranda: | ||
| Average total assets | $643,088,400 | 1,024 |
| Average earning assets | $600,592,000 | 1,000 |
| Average equity | $55,969,000 | 1,273 |
| Average total loans | $461,245,000 | 896 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 2,687 |
| Cost of funding earning assets | 0.8915% | 2,231 |
| Net interest margin | 3.8341% | 3,184 |
| Noninterest income to average assets | 0.6703% | 2,870 |
| Noninterest expense to average assets | 2.2689% | 5,775 |
| Loan and lease loss provision to assets | 0.2862% | 2,283 |
| Net operating income to assets | 1.3974% | 1,229 |
| Return on assets (ROA) | 1.4684% | 1,203 |
| Pretax return on assets | 1.7841% | 1,087 |
| Return on Equity (ROE) | 17.2622% | 581 |
| Retained earnings to average equity (ytd only) | 12.3446% | 476 |
| Net charge-offs to loans | 0.1210% | 4,165 |
| Credit loss provision to net charge-offs | 327.3381% | 821 |
| Earnings coverage of net charge-offs (x) | 22.6833% | 1,346 |
| Efficiency ratio | 52.7515% | 6,380 |
| Assets per employee ($millions) | 4.6943% | 2,608 |
| Cash dividends to net income (ytd only)* | 28.4878% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,650 |
| Loan loss allowance to noncurrent loans | 95.2648% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.3660% | 3,562 |
| Noncurrent loans to loans | 1.4016% | 3,697 |
| Net loans and leases to total assets | 71.3130% | 1,677 |
| Net loans and leases to deposits | 83.9224% | 1,881 |
| Net loans and leases to core deposits | 85.5892% | 2,519 |
| Total domestic deposits to total assets | 84.9749% | 3,752 |
| Equity capital to assets | 8.7625% | 6,056 |
| Core capital (leverage) ratio | 8.8665% | 5,245 |
| Tier 1 risk-based capital ratio | 11.3946% | 6,299 |
| Total risk-based capital ratio | 12.6445% | 6,256 |
| Memoranda: | ||
| Average total assets | $635,881,250 | 1,045 |
| Average earning assets | $594,061,000 | 1,020 |
| Average equity | $54,090,000 | 1,329 |
| Average total loans | $459,633,750 | 898 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 2,597 |
| Cost of funding earning assets | 0.8944% | 2,448 |
| Net interest margin | 3.8823% | 2,987 |
| Noninterest income to average assets | 0.6454% | 2,977 |
| Noninterest expense to average assets | 2.2404% | 5,904 |
| Loan and lease loss provision to assets | 0.3284% | 2,006 |
| Net operating income to assets | 1.4070% | 1,178 |
| Return on assets (ROA) | 1.5157% | 1,086 |
| Pretax return on assets | 1.8387% | 968 |
| Return on Equity (ROE) | 18.0056% | 509 |
| Retained earnings to average equity (ytd only) | 13.0717% | 432 |
| Net charge-offs to loans | 0.2054% | 3,341 |
| Credit loss provision to net charge-offs | 221.1538% | 1,287 |
| Earnings coverage of net charge-offs (x) | 13.6987% | 1,770 |
| Efficiency ratio | 51.6924% | 6,525 |
| Assets per employee ($millions) | 4.4661% | 2,968 |
| Cash dividends to net income (ytd only)* | 27.4021% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 4,939 |
| Loan loss allowance to noncurrent loans | 94.5199% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.2758% | 3,877 |
| Noncurrent loans to loans | 1.3627% | 3,880 |
| Net loans and leases to total assets | 70.9897% | 1,738 |
| Net loans and leases to deposits | 84.2457% | 1,828 |
| Net loans and leases to core deposits | 85.8349% | 2,450 |
| Total domestic deposits to total assets | 84.2651% | 4,211 |
| Equity capital to assets | 8.6745% | 6,054 |
| Core capital (leverage) ratio | 8.8585% | 5,113 |
| Tier 1 risk-based capital ratio | 11.2711% | 6,354 |
| Total risk-based capital ratio | 12.4684% | 6,369 |
| Memoranda: | ||
| Average total assets | $630,339,000 | 1,053 |
| Average earning assets | $589,238,330 | 1,024 |
| Average equity | $53,061,330 | 1,342 |
| Average total loans | $455,638,330 | 905 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 2,554 |
| Cost of funding earning assets | 0.8968% | 2,721 |
| Net interest margin | 3.9238% | 2,829 |
| Noninterest income to average assets | 0.5583% | 3,510 |
| Noninterest expense to average assets | 2.1182% | 6,235 |
| Loan and lease loss provision to assets | 0.4120% | 1,527 |
| Net operating income to assets | 1.3971% | 1,227 |
| Return on assets (ROA) | 1.5433% | 1,069 |
| Pretax return on assets | 1.8768% | 924 |
| Return on Equity (ROE) | 18.6233% | 485 |
| Retained earnings to average equity (ytd only) | 13.5743% | 616 |
| Net charge-offs to loans | 0.3570% | 2,233 |
| Credit loss provision to net charge-offs | 159.2593% | 1,591 |
| Earnings coverage of net charge-offs (x) | 8.1556% | 1,993 |
| Efficiency ratio | 49.0406% | 6,737 |
| Assets per employee ($millions) | 4.6098% | 2,791 |
| Cash dividends to net income (ytd only)* | 27.1109% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 5,441 |
| Loan loss allowance to noncurrent loans | 85.9449% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.2976% | 3,967 |
| Noncurrent loans to loans | 1.4077% | 3,997 |
| Net loans and leases to total assets | 72.2608% | 1,355 |
| Net loans and leases to deposits | 90.8761% | 886 |
| Net loans and leases to core deposits | 92.7103% | 1,578 |
| Total domestic deposits to total assets | 79.5157% | 5,970 |
| Equity capital to assets | 8.3328% | 6,242 |
| Core capital (leverage) ratio | 8.6994% | 5,295 |
| Tier 1 risk-based capital ratio | 10.9843% | 6,543 |
| Total risk-based capital ratio | 12.1209% | 6,582 |
| Memoranda: | ||
| Average total assets | $626,181,000 | 1,061 |
| Average earning assets | $585,662,000 | 1,027 |
| Average equity | $51,892,000 | 1,365 |
| Average total loans | $453,810,000 | 910 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 2,812 |
| Cost of funding earning assets | 1.0492% | 3,023 |
| Net interest margin | 3.9657% | 3,037 |
| Noninterest income to average assets | 0.8764% | 1,753 |
| Noninterest expense to average assets | 2.5496% | 5,298 |
| Loan and lease loss provision to assets | 0.3047% | 3,230 |
| Net operating income to assets | 1.3068% | 1,228 |
| Return on assets (ROA) | 1.3021% | 1,348 |
| Pretax return on assets | 1.7157% | 957 |
| Return on Equity (ROE) | 16.4358% | 549 |
| Retained earnings to average equity (ytd only) | 10.7092% | 443 |
| Net charge-offs to loans | 0.1297% | 5,106 |
| Credit loss provision to net charge-offs | 329.1743% | 709 |
| Earnings coverage of net charge-offs (x) | 21.8844% | 1,076 |
| Efficiency ratio | 54.3619% | 6,476 |
| Assets per employee ($millions) | 4.5987% | 2,759 |
| Cash dividends to net income (ytd only)* | 34.8422% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 5,385 |
| Loan loss allowance to noncurrent loans | 62.0750% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4523% | 3,807 |
| Noncurrent loans to loans | 1.9335% | 3,296 |
| Net loans and leases to total assets | 70.9263% | 1,837 |
| Net loans and leases to deposits | 89.0828% | 1,258 |
| Net loans and leases to core deposits | 90.7535% | 2,016 |
| Total domestic deposits to total assets | 79.6184% | 5,839 |
| Equity capital to assets | 8.2406% | 6,395 |
| Core capital (leverage) ratio | 8.5718% | 5,438 |
| Tier 1 risk-based capital ratio | 10.9463% | 6,478 |
| Total risk-based capital ratio | 12.0730% | 6,532 |
| Memoranda: | ||
| Average total assets | $588,750,400 | 1,121 |
| Average earning assets | $549,160,400 | 1,084 |
| Average equity | $46,642,000 | 1,464 |
| Average total loans | $420,114,000 | 998 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 2,830 |
| Cost of funding earning assets | 1.0847% | 3,079 |
| Net interest margin | 3.9677% | 3,061 |
| Noninterest income to average assets | 0.9576% | 1,459 |
| Noninterest expense to average assets | 2.5211% | 5,397 |
| Loan and lease loss provision to assets | 0.3430% | 2,825 |
| Net operating income to assets | 1.3550% | 1,253 |
| Return on assets (ROA) | 1.3498% | 1,354 |
| Pretax return on assets | 1.7841% | 983 |
| Return on Equity (ROE) | 17.2226% | 545 |
| Retained earnings to average equity (ytd only) | 11.7005% | 531 |
| Net charge-offs to loans | 0.1531% | 4,544 |
| Credit loss provision to net charge-offs | 314.5263% | 898 |
| Earnings coverage of net charge-offs (x) | 19.5620% | 1,256 |
| Efficiency ratio | 52.8092% | 6,610 |
| Assets per employee ($millions) | 4.6171% | 2,734 |
| Cash dividends to net income (ytd only)* | 32.0633% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,488 |
| Loan loss allowance to noncurrent loans | 56.7265% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5461% | 3,772 |
| Noncurrent loans to loans | 2.1062% | 3,235 |
| Net loans and leases to total assets | 69.4615% | 2,188 |
| Net loans and leases to deposits | 87.0555% | 1,548 |
| Net loans and leases to core deposits | 88.7581% | 2,400 |
| Total domestic deposits to total assets | 79.7898% | 5,797 |
| Equity capital to assets | 8.2380% | 6,536 |
| Core capital (leverage) ratio | 8.5615% | 5,612 |
| Tier 1 risk-based capital ratio | 11.0353% | 6,520 |
| Total risk-based capital ratio | 12.1562% | 6,576 |
| Memoranda: | ||
| Average total assets | $580,733,250 | 1,138 |
| Average earning assets | $541,094,000 | 1,114 |
| Average equity | $45,512,750 | 1,497 |
| Average total loans | $413,724,250 | 1,023 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 2,656 |
| Cost of funding earning assets | 1.0983% | 3,255 |
| Net interest margin | 4.0068% | 2,803 |
| Noninterest income to average assets | 1.1513% | 968 |
| Noninterest expense to average assets | 2.5432% | 5,382 |
| Loan and lease loss provision to assets | 0.4290% | 2,281 |
| Net operating income to assets | 1.4540% | 971 |
| Return on assets (ROA) | 1.4542% | 1,030 |
| Pretax return on assets | 1.9077% | 698 |
| Return on Equity (ROE) | 18.8996% | 397 |
| Retained earnings to average equity (ytd only) | 13.1747% | 376 |
| Net charge-offs to loans | 0.0841% | 4,802 |
| Credit loss provision to net charge-offs | 712.2093% | 451 |
| Earnings coverage of net charge-offs (x) | 38.7791% | 758 |
| Efficiency ratio | 50.8074% | 6,886 |
| Assets per employee ($millions) | 4.4136% | 2,973 |
| Cash dividends to net income (ytd only)* | 30.2914% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2075% | 5,511 |
| Loan loss allowance to noncurrent loans | 58.6301% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.4973% | 3,956 |
| Noncurrent loans to loans | 2.0595% | 3,396 |
| Net loans and leases to total assets | 71.8212% | 1,823 |
| Net loans and leases to deposits | 89.4916% | 1,330 |
| Net loans and leases to core deposits | 91.2385% | 2,227 |
| Total domestic deposits to total assets | 80.2547% | 5,753 |
| Equity capital to assets | 8.0292% | 6,664 |
| Core capital (leverage) ratio | 8.5704% | 5,442 |
| Tier 1 risk-based capital ratio | 10.9128% | 6,594 |
| Total risk-based capital ratio | 12.0613% | 6,625 |
| Memoranda: | ||
| Average total assets | $571,159,000 | 1,173 |
| Average earning assets | $531,342,670 | 1,145 |
| Average equity | $43,948,000 | 1,531 |
| Average total loans | $408,813,670 | 1,052 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1015% | 2,641 |
| Cost of funding earning assets | 1.0826% | 3,643 |
| Net interest margin | 4.0189% | 2,609 |
| Noninterest income to average assets | 0.5547% | 3,471 |
| Noninterest expense to average assets | 2.3436% | 6,071 |
| Loan and lease loss provision to assets | 0.2990% | 2,764 |
| Net operating income to assets | 1.2842% | 1,309 |
| Return on assets (ROA) | 1.2876% | 1,346 |
| Pretax return on assets | 1.6583% | 1,063 |
| Return on Equity (ROE) | 17.1215% | 550 |
| Retained earnings to average equity (ytd only) | 11.1814% | 869 |
| Net charge-offs to loans | 0.1651% | 3,488 |
| Credit loss provision to net charge-offs | 255.1515% | 1,222 |
| Earnings coverage of net charge-offs (x) | 16.6606% | 1,255 |
| Efficiency ratio | 53.0501% | 6,777 |
| Assets per employee ($millions) | 4.4462% | 2,983 |
| Cash dividends to net income (ytd only)* | 34.6939% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 6,175 |
| Loan loss allowance to noncurrent loans | 59.7285% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.8518% | 3,491 |
| Noncurrent loans to loans | 1.7836% | 3,844 |
| Net loans and leases to total assets | 71.0822% | 1,901 |
| Net loans and leases to deposits | 89.0738% | 1,342 |
| Net loans and leases to core deposits | 90.9568% | 2,245 |
| Total domestic deposits to total assets | 79.8014% | 5,994 |
| Equity capital to assets | 7.6082% | 6,809 |
| Core capital (leverage) ratio | 8.5743% | 5,304 |
| Tier 1 risk-based capital ratio | 10.8434% | 6,614 |
| Total risk-based capital ratio | 11.8421% | 6,739 |
| Memoranda: | ||
| Average total assets | $563,236,000 | 1,199 |
| Average earning assets | $524,316,500 | 1,168 |
| Average equity | $42,356,000 | 1,566 |
| Average total loans | $399,847,000 | 1,093 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1098% | 4,060 |
| Cost of funding earning assets | 1.3063% | 3,844 |
| Net interest margin | 3.8035% | 3,930 |
| Noninterest income to average assets | 0.6967% | 2,857 |
| Noninterest expense to average assets | 2.4121% | 6,066 |
| Loan and lease loss provision to assets | 0.4026% | 3,700 |
| Net operating income to assets | 1.1531% | 1,536 |
| Return on assets (ROA) | 1.1991% | 1,495 |
| Pretax return on assets | 1.4630% | 1,472 |
| Return on Equity (ROE) | 16.5925% | 513 |
| Retained earnings to average equity (ytd only) | 10.3178% | 463 |
| Net charge-offs to loans | 0.3942% | 4,063 |
| Credit loss provision to net charge-offs | 153.0229% | 2,335 |
| Earnings coverage of net charge-offs (x) | 6.8749% | 2,252 |
| Efficiency ratio | 56.0277% | 6,588 |
| Assets per employee ($millions) | 4.4949% | 2,882 |
| Cash dividends to net income (ytd only)* | 37.8164% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,155 |
| Loan loss allowance to noncurrent loans | 59.3773% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.8467% | 3,563 |
| Noncurrent loans to loans | 1.7669% | 3,859 |
| Net loans and leases to total assets | 69.3808% | 2,690 |
| Net loans and leases to deposits | 88.0281% | 1,786 |
| Net loans and leases to core deposits | 89.3879% | 2,842 |
| Total domestic deposits to total assets | 78.8166% | 6,129 |
| Equity capital to assets | 7.4302% | 6,915 |
| Core capital (leverage) ratio | 8.3485% | 5,614 |
| Tier 1 risk-based capital ratio | 10.9002% | 6,415 |
| Total risk-based capital ratio | 11.8589% | 6,601 |
| Memoranda: | ||
| Average total assets | $546,900,800 | 1,222 |
| Average earning assets | $506,772,000 | 1,213 |
| Average equity | $39,524,000 | 1,672 |
| Average total loans | $365,055,400 | 1,235 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0836% | 4,409 |
| Cost of funding earning assets | 1.3644% | 3,808 |
| Net interest margin | 3.7193% | 4,309 |
| Noninterest income to average assets | 0.6712% | 3,008 |
| Noninterest expense to average assets | 2.3686% | 6,119 |
| Loan and lease loss provision to assets | 0.4953% | 2,990 |
| Net operating income to assets | 1.0538% | 2,060 |
| Return on assets (ROA) | 1.0972% | 2,005 |
| Pretax return on assets | 1.3025% | 2,162 |
| Return on Equity (ROE) | 15.2921% | 815 |
| Retained earnings to average equity (ytd only) | 8.9691% | 1,064 |
| Net charge-offs to loans | 0.5320% | 3,173 |
| Credit loss provision to net charge-offs | 141.2998% | 2,802 |
| Earnings coverage of net charge-offs (x) | 4.9797% | 2,881 |
| Efficiency ratio | 56.4156% | 6,499 |
| Assets per employee ($millions) | 4.5563% | 2,827 |
| Cash dividends to net income (ytd only)* | 41.3485% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 6,128 |
| Loan loss allowance to noncurrent loans | 57.5278% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.9165% | 3,590 |
| Noncurrent loans to loans | 1.8371% | 3,881 |
| Net loans and leases to total assets | 65.0882% | 3,891 |
| Net loans and leases to deposits | 84.2130% | 2,671 |
| Net loans and leases to core deposits | 85.4976% | 3,728 |
| Total domestic deposits to total assets | 77.2899% | 6,423 |
| Equity capital to assets | 7.7687% | 6,958 |
| Core capital (leverage) ratio | 8.1871% | 6,062 |
| Tier 1 risk-based capital ratio | 11.1011% | 6,281 |
| Total risk-based capital ratio | 12.0529% | 6,531 |
| Memoranda: | ||
| Average total assets | $544,285,500 | 1,248 |
| Average earning assets | $503,852,250 | 1,231 |
| Average equity | $39,051,750 | 1,709 |
| Average total loans | $358,618,750 | 1,261 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1499% | 4,195 |
| Cost of funding earning assets | 1.4031% | 3,858 |
| Net interest margin | 3.7468% | 4,148 |
| Noninterest income to average assets | 0.6561% | 2,976 |
| Noninterest expense to average assets | 2.2609% | 6,474 |
| Loan and lease loss provision to assets | 0.5869% | 2,432 |
| Net operating income to assets | 1.0782% | 1,924 |
| Return on assets (ROA) | 1.1385% | 1,795 |
| Pretax return on assets | 1.3499% | 1,952 |
| Return on Equity (ROE) | 16.3415% | 657 |
| Retained earnings to average equity (ytd only) | 9.8028% | 889 |
| Net charge-offs to loans | 0.0694% | 5,447 |
| Credit loss provision to net charge-offs | 1,282.1138% | 305 |
| Earnings coverage of net charge-offs (x) | 40.7317% | 715 |
| Efficiency ratio | 53.6401% | 6,921 |
| Assets per employee ($millions) | 4.3267% | 3,165 |
| Cash dividends to net income (ytd only)* | 40.0131% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,969 |
| Loan loss allowance to noncurrent loans | 131.9471% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 1.3043% | 4,543 |
| Noncurrent loans to loans | 0.9802% | 5,346 |
| Net loans and leases to total assets | 65.5111% | 3,937 |
| Net loans and leases to deposits | 84.0370% | 2,862 |
| Net loans and leases to core deposits | 85.3221% | 3,930 |
| Total domestic deposits to total assets | 77.9550% | 6,280 |
| Equity capital to assets | 7.1942% | 7,278 |
| Core capital (leverage) ratio | 8.2471% | 5,859 |
| Tier 1 risk-based capital ratio | 11.0049% | 6,229 |
| Total risk-based capital ratio | 12.1775% | 6,298 |
| Memoranda: | ||
| Average total assets | $537,385,330 | 1,269 |
| Average earning assets | $497,604,000 | 1,257 |
| Average equity | $37,438,330 | 1,776 |
| Average total loans | $354,269,330 | 1,295 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1718% | 4,185 |
| Cost of funding earning assets | 1.4341% | 3,966 |
| Net interest margin | 3.7377% | 4,060 |
| Noninterest income to average assets | 0.7727% | 2,159 |
| Noninterest expense to average assets | 2.2588% | 6,515 |
| Loan and lease loss provision to assets | 0.6793% | 1,874 |
| Net operating income to assets | 1.1403% | 1,706 |
| Return on assets (ROA) | 1.1514% | 1,757 |
| Pretax return on assets | 1.2994% | 2,050 |
| Return on Equity (ROE) | 16.8179% | 626 |
| Retained earnings to average equity (ytd only) | 10.2105% | 1,095 |
| Net charge-offs to loans | 0.1410% | 4,090 |
| Credit loss provision to net charge-offs | 733.6066% | 621 |
| Earnings coverage of net charge-offs (x) | 21.2295% | 1,131 |
| Efficiency ratio | 52.2997% | 7,123 |
| Assets per employee ($millions) | 4.4585% | 3,022 |
| Cash dividends to net income (ytd only)* | 39.2881% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 5,745 |
| Loan loss allowance to noncurrent loans | 118.9580% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 4,473 |
| Noncurrent loans to loans | 0.9711% | 5,392 |
| Net loans and leases to total assets | 65.1879% | 4,061 |
| Net loans and leases to deposits | 81.8114% | 3,312 |
| Net loans and leases to core deposits | 83.1874% | 4,314 |
| Total domestic deposits to total assets | 79.6807% | 5,890 |
| Equity capital to assets | 6.8372% | 7,434 |
| Core capital (leverage) ratio | 8.2834% | 5,771 |
| Tier 1 risk-based capital ratio | 10.8776% | 6,266 |
| Total risk-based capital ratio | 11.9128% | 6,467 |
| Memoranda: | ||
| Average total assets | $527,006,000 | 1,323 |
| Average earning assets | $486,714,000 | 1,310 |
| Average equity | $36,080,500 | 1,863 |
| Average total loans | $346,185,500 | 1,368 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6229% | 3,484 |
| Cost of funding earning assets | 1.7042% | 4,484 |
| Net interest margin | 3.9187% | 3,194 |
| Noninterest income to average assets | 0.6709% | 3,152 |
| Noninterest expense to average assets | 2.5106% | 6,087 |
| Loan and lease loss provision to assets | 0.3655% | 4,607 |
| Net operating income to assets | 1.1697% | 1,332 |
| Return on assets (ROA) | 1.0334% | 1,772 |
| Pretax return on assets | 1.2259% | 1,887 |
| Return on Equity (ROE) | 15.0424% | 661 |
| Retained earnings to average equity (ytd only) | 7.7420% | 764 |
| Net charge-offs to loans | 0.4333% | 4,066 |
| Credit loss provision to net charge-offs | 123.8401% | 4,249 |
| Earnings coverage of net charge-offs (x) | 5.9408% | 2,465 |
| Efficiency ratio | 57.6079% | 6,817 |
| Assets per employee ($millions) | 4.1163% | 3,582 |
| Cash dividends to net income (ytd only)* | 48.5324% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 6,443 |
| Loan loss allowance to noncurrent loans | 90.0162% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 1.7958% | 3,672 |
| Noncurrent loans to loans | 1.1010% | 5,119 |
| Net loans and leases to total assets | 64.7675% | 4,427 |
| Net loans and leases to deposits | 81.1838% | 3,767 |
| Net loans and leases to core deposits | 85.4356% | 5,580 |
| Total domestic deposits to total assets | 79.7789% | 5,740 |
| Equity capital to assets | 6.8559% | 7,441 |
| Core capital (leverage) ratio | 8.6834% | 4,948 |
| Tier 1 risk-based capital ratio | 11.1835% | 5,739 |
| Total risk-based capital ratio | 12.0679% | 6,065 |
| Memoranda: | ||
| Average total assets | $474,745,200 | 1,465 |
| Average earning assets | $435,276,200 | 1,454 |
| Average equity | $32,614,400 | 2,049 |
| Average total loans | $323,311,600 | 1,487 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7714% | 3,017 |
| Cost of funding earning assets | 1.7713% | 4,519 |
| Net interest margin | 4.0001% | 2,824 |
| Noninterest income to average assets | 0.6644% | 3,258 |
| Noninterest expense to average assets | 2.5742% | 5,810 |
| Loan and lease loss provision to assets | 0.3930% | 3,957 |
| Net operating income to assets | 1.1934% | 1,481 |
| Return on assets (ROA) | 0.9658% | 2,230 |
| Pretax return on assets | 1.1024% | 2,556 |
| Return on Equity (ROE) | 14.0512% | 919 |
| Retained earnings to average equity (ytd only) | 6.5979% | 1,665 |
| Net charge-offs to loans | 0.5783% | 2,942 |
| Credit loss provision to net charge-offs | 98.7032% | 5,183 |
| Earnings coverage of net charge-offs (x) | 4.4042% | 3,143 |
| Efficiency ratio | 58.1958% | 6,692 |
| Assets per employee ($millions) | 3.7660% | 4,269 |
| Cash dividends to net income (ytd only)* | 53.0442% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 6,684 |
| Loan loss allowance to noncurrent loans | 67.7105% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 2.1007% | 3,214 |
| Noncurrent loans to loans | 1.3552% | 4,663 |
| Net loans and leases to total assets | 68.4445% | 3,857 |
| Net loans and leases to deposits | 87.8797% | 2,986 |
| Net loans and leases to core deposits | 93.3670% | 5,087 |
| Total domestic deposits to total assets | 77.8843% | 6,118 |
| Equity capital to assets | 7.5528% | 7,260 |
| Core capital (leverage) ratio | 8.8846% | 4,835 |
| Tier 1 risk-based capital ratio | 11.5076% | 5,421 |
| Total risk-based capital ratio | 12.3500% | 5,806 |
| Memoranda: | ||
| Average total assets | $464,797,500 | 1,503 |
| Average earning assets | $425,676,250 | 1,499 |
| Average equity | $31,949,000 | 2,114 |
| Average total loans | $319,992,500 | 1,523 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8561% | 2,774 |
| Cost of funding earning assets | 1.8608% | 4,463 |
| Net interest margin | 3.9953% | 2,717 |
| Noninterest income to average assets | 0.6823% | 3,099 |
| Noninterest expense to average assets | 2.6088% | 5,711 |
| Loan and lease loss provision to assets | 0.5207% | 2,943 |
| Net operating income to assets | 1.0135% | 2,060 |
| Return on assets (ROA) | 1.1093% | 1,820 |
| Pretax return on assets | 1.3258% | 1,949 |
| Return on Equity (ROE) | 16.6976% | 613 |
| Retained earnings to average equity (ytd only) | 8.9570% | 952 |
| Net charge-offs to loans | 0.8037% | 2,072 |
| Credit loss provision to net charge-offs | 94.2142% | 4,794 |
| Earnings coverage of net charge-offs (x) | 3.1337% | 3,556 |
| Efficiency ratio | 58.8153% | 6,720 |
| Assets per employee ($millions) | 3.6908% | 4,349 |
| Cash dividends to net income (ytd only)* | 46.3576% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 6,691 |
| Loan loss allowance to noncurrent loans | 285.1022% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 4,154 |
| Noncurrent loans to loans | 0.3221% | 6,702 |
| Net loans and leases to total assets | 68.4691% | 4,077 |
| Net loans and leases to deposits | 87.5922% | 3,243 |
| Net loans and leases to core deposits | 92.6686% | 5,276 |
| Total domestic deposits to total assets | 78.1680% | 6,031 |
| Equity capital to assets | 6.8683% | 7,677 |
| Core capital (leverage) ratio | 8.9700% | 4,682 |
| Tier 1 risk-based capital ratio | 11.4924% | 5,387 |
| Total risk-based capital ratio | 12.3147% | 5,734 |
| Memoranda: | ||
| Average total assets | $462,813,000 | 1,535 |
| Average earning assets | $423,800,000 | 1,530 |
| Average equity | $30,747,000 | 2,215 |
| Average total loans | $318,261,000 | 1,561 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8526% | 3,028 |
| Cost of funding earning assets | 2.0616% | 3,820 |
| Net interest margin | 3.7910% | 3,483 |
| Noninterest income to average assets | 0.5963% | 3,575 |
| Noninterest expense to average assets | 2.4679% | 5,964 |
| Loan and lease loss provision to assets | 0.1424% | 5,120 |
| Net operating income to assets | 1.1848% | 1,698 |
| Return on assets (ROA) | 1.3073% | 1,460 |
| Pretax return on assets | 1.6145% | 1,372 |
| Return on Equity (ROE) | 20.0152% | 418 |
| Retained earnings to average equity (ytd only) | 12.1544% | 761 |
| Net charge-offs to loans | 0.0478% | 4,814 |
| Credit loss provision to net charge-offs | 434.2105% | 1,212 |
| Earnings coverage of net charge-offs (x) | 48.9474% | 741 |
| Efficiency ratio | 59.2161% | 6,522 |
| Assets per employee ($millions) | 3.6918% | 4,356 |
| Cash dividends to net income (ytd only)* | 39.2739% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,308 |
| Loan loss allowance to noncurrent loans | 79.0751% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.0034% | 2,902 |
| Noncurrent loans to loans | 1.2395% | 4,490 |
| Net loans and leases to total assets | 69.0547% | 3,903 |
| Net loans and leases to deposits | 87.7581% | 3,326 |
| Net loans and leases to core deposits | 95.4999% | 5,022 |
| Total domestic deposits to total assets | 78.6875% | 5,827 |
| Equity capital to assets | 6.6240% | 7,834 |
| Core capital (leverage) ratio | 8.6712% | 5,207 |
| Tier 1 risk-based capital ratio | 11.4033% | 5,505 |
| Total risk-based capital ratio | 12.2868% | 5,780 |
| Memoranda: | ||
| Average total assets | $463,544,000 | 1,541 |
| Average earning assets | $425,107,500 | 1,533 |
| Average equity | $30,277,000 | 2,249 |
| Average total loans | $317,986,000 | 1,577 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2871% | 4,038 |
| Cost of funding earning assets | 2.3118% | 5,097 |
| Net interest margin | 3.9753% | 3,237 |
| Noninterest income to average assets | 0.6648% | 3,374 |
| Noninterest expense to average assets | 2.3578% | 6,543 |
| Loan and lease loss provision to assets | 0.1595% | 5,339 |
| Net operating income to assets | 1.7097% | 665 |
| Return on assets (ROA) | 0.6948% | 3,750 |
| Pretax return on assets | 0.7239% | 4,318 |
| Return on Equity (ROE) | 9.9166% | 2,292 |
| Retained earnings to average equity (ytd only) | 1.2037% | 4,509 |
| Net charge-offs to loans | 0.0539% | 6,019 |
| Credit loss provision to net charge-offs | 440.1235% | 991 |
| Earnings coverage of net charge-offs (x) | 53.5494% | 731 |
| Efficiency ratio | 53.5103% | 7,329 |
| Assets per employee ($millions) | 3.9109% | 3,705 |
| Cash dividends to net income (ytd only)* | 87.8622% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 6,407 |
| Loan loss allowance to noncurrent loans | 226.0542% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 1.3848% | 3,418 |
| Noncurrent loans to loans | 0.4193% | 6,088 |
| Net loans and leases to total assets | 66.8479% | 4,672 |
| Net loans and leases to deposits | 84.4563% | 4,349 |
| Net loans and leases to core deposits | 96.8759% | 5,163 |
| Total domestic deposits to total assets | 79.1509% | 5,318 |
| Equity capital to assets | 6.4416% | 7,953 |
| Core capital (leverage) ratio | 8.4511% | 5,652 |
| Tier 1 risk-based capital ratio | 11.1533% | 5,594 |
| Total risk-based capital ratio | 12.0031% | 5,860 |
| Memoranda: | ||
| Average total assets | $447,028,000 | 1,534 |
| Average earning assets | $408,597,400 | 1,532 |
| Average equity | $31,321,200 | 2,155 |
| Average total loans | $300,498,600 | 1,606 |