Home > Republic Bank of Chicago > Performance and Condition Ratios
Republic Bank of Chicago, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7668% | 868 |
| Cost of funding earning assets | 2.0689% | 815 |
| Net interest margin | 3.6978% | 1,764 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 2.3324% | 2,764 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 1.2619% | 1,520 |
| Return on assets (ROA) | 1.2425% | 1,527 |
| Pretax return on assets | 1.6704% | 1,121 |
| Return on Equity (ROE) | 11.9700% | 1,964 |
| Retained earnings to average equity (ytd only) | 6.7570% | 1,969 |
| Net charge-offs to loans | 0.0806% | 1,054 |
| Credit loss provision to net charge-offs | 40.8223% | 2,234 |
| Earnings coverage of net charge-offs (x) | 35.1241% | 1,522 |
| Efficiency ratio | 56.6475% | 3,432 |
| Assets per employee ($millions) | 8.7262% | 1,100 |
| Cash dividends to net income (ytd only)* | 43.5435% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3695% | 1,514 |
| Loan loss allowance to noncurrent loans | 416.5775% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 1,362 |
| Noncurrent loans to loans | 0.3287% | 2,007 |
| Net loans and leases to total assets | 68.2800% | 2,002 |
| Net loans and leases to deposits | 81.5252% | 1,989 |
| Net loans and leases to core deposits | 89.8055% | 2,063 |
| Total domestic deposits to total assets | 83.7600% | 2,688 |
| Equity capital to assets | 11.0198% | 1,475 |
| Core capital (leverage) ratio | 11.7389% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3964% | 1,420 |
| Memoranda: | ||
| Average total assets | $2,680,103,400 | 438 |
| Average earning assets | $2,334,358,400 | 457 |
| Average equity | $278,229,400 | 419 |
| Average total loans | $1,690,115,800 | 470 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6584% | 841 |
| Cost of funding earning assets | 1.9244% | 822 |
| Net interest margin | 3.7340% | 1,717 |
| Noninterest income to average assets | 0.9000% | 762 |
| Noninterest expense to average assets | 2.3325% | 2,700 |
| Loan and lease loss provision to assets | 0.1600% | 736 |
| Net operating income to assets | 1.2376% | 1,682 |
| Return on assets (ROA) | 1.2376% | 1,678 |
| Pretax return on assets | 1.6542% | 1,250 |
| Return on Equity (ROE) | 12.1000% | 2,094 |
| Retained earnings to average equity (ytd only) | 10.8929% | 1,174 |
| Net charge-offs to loans | 0.0420% | 1,285 |
| Credit loss provision to net charge-offs | 231.9923% | 1,029 |
| Earnings coverage of net charge-offs (x) | 70.1226% | 1,111 |
| Efficiency ratio | 56.2807% | 3,379 |
| Assets per employee ($millions) | 9.2479% | 853 |
| Cash dividends to net income (ytd only)* | 9.9992% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 1,017 |
| Loan loss allowance to noncurrent loans | 292.9531% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.4989% | 1,161 |
| Noncurrent loans to loans | 0.5251% | 1,506 |
| Net loans and leases to total assets | 63.2100% | 2,541 |
| Net loans and leases to deposits | 75.0950% | 2,487 |
| Net loans and leases to core deposits | 83.7312% | 2,342 |
| Total domestic deposits to total assets | 84.1800% | 2,723 |
| Equity capital to assets | 10.5860% | 1,517 |
| Core capital (leverage) ratio | 11.8071% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9739% | 1,324 |
| Memoranda: | ||
| Average total assets | $2,693,485,500 | 435 |
| Average earning assets | $2,337,571,250 | 454 |
| Average equity | $275,426,000 | 421 |
| Average total loans | $1,658,032,250 | 479 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5840% | 747 |
| Cost of funding earning assets | 1.7445% | 824 |
| Net interest margin | 3.8395% | 1,545 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.2996% | 2,805 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | 1.2510% | 1,690 |
| Return on assets (ROA) | 1.2510% | 1,683 |
| Pretax return on assets | 1.6715% | 1,272 |
| Return on Equity (ROE) | 12.3800% | 2,044 |
| Retained earnings to average equity (ytd only) | 11.2785% | 1,129 |
| Net charge-offs to loans | 0.0521% | 994 |
| Credit loss provision to net charge-offs | 351.0539% | 787 |
| Earnings coverage of net charge-offs (x) | 61.0632% | 1,191 |
| Efficiency ratio | 54.3546% | 3,580 |
| Assets per employee ($millions) | 9.2794% | 828 |
| Cash dividends to net income (ytd only)* | 8.8805% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 929 |
| Loan loss allowance to noncurrent loans | 287.8130% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5364% | 1,016 |
| Noncurrent loans to loans | 0.5570% | 1,345 |
| Net loans and leases to total assets | 61.3000% | 2,640 |
| Net loans and leases to deposits | 73.7575% | 2,521 |
| Net loans and leases to core deposits | 82.4515% | 2,295 |
| Total domestic deposits to total assets | 83.1000% | 3,023 |
| Equity capital to assets | 10.4234% | 1,627 |
| Core capital (leverage) ratio | 11.3804% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9943% | 1,318 |
| Memoranda: | ||
| Average total assets | $2,700,430,667 | 422 |
| Average earning assets | $2,338,277,333 | 444 |
| Average equity | $272,925,667 | 418 |
| Average total loans | $1,638,739,333 | 467 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3330% | 794 |
| Cost of funding earning assets | 1.5209% | 809 |
| Net interest margin | 3.8121% | 1,662 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.2008% | 3,097 |
| Loan and lease loss provision to assets | 0.3700% | 219 |
| Net operating income to assets | 1.1856% | 1,970 |
| Return on assets (ROA) | 1.1856% | 1,933 |
| Pretax return on assets | 1.5923% | 1,479 |
| Return on Equity (ROE) | 11.9200% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.6905% | 1,773 |
| Net charge-offs to loans | -0.0202% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.8351% | 3,718 |
| Assets per employee ($millions) | 9.5985% | 777 |
| Cash dividends to net income (ytd only)* | 18.6753% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 1,019 |
| Loan loss allowance to noncurrent loans | 223.8120% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.6471% | 773 |
| Noncurrent loans to loans | 0.7128% | 1,067 |
| Net loans and leases to total assets | 59.7800% | 2,682 |
| Net loans and leases to deposits | 70.4816% | 2,567 |
| Net loans and leases to core deposits | 78.4440% | 2,359 |
| Total domestic deposits to total assets | 84.8100% | 2,902 |
| Equity capital to assets | 10.0358% | 1,806 |
| Core capital (leverage) ratio | 11.2300% | 1,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7531% | 1,427 |
| Memoranda: | ||
| Average total assets | $2,709,777,000 | 434 |
| Average earning assets | $2,344,119,000 | 451 |
| Average equity | $269,625,000 | 430 |
| Average total loans | $1,622,819,000 | 480 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 875 |
| Cost of funding earning assets | 0.4319% | 1,848 |
| Net interest margin | 3.9736% | 823 |
| Noninterest income to average assets | 0.9900% | 658 |
| Noninterest expense to average assets | 2.2490% | 2,899 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6707% | 578 |
| Return on assets (ROA) | 1.6761% | 540 |
| Pretax return on assets | 2.1326% | 356 |
| Return on Equity (ROE) | 16.2800% | 997 |
| Retained earnings to average equity (ytd only) | 13.1913% | 482 |
| Net charge-offs to loans | 0.0160% | 1,795 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 222.0664% | 606 |
| Efficiency ratio | 51.4087% | 4,035 |
| Assets per employee ($millions) | 9.6198% | 754 |
| Cash dividends to net income (ytd only)* | 18.9582% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,496 |
| Loan loss allowance to noncurrent loans | 170.7490% | 2,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6997% | 688 |
| Noncurrent loans to loans | 0.8209% | 900 |
| Net loans and leases to total assets | 58.2000% | 2,805 |
| Net loans and leases to deposits | 67.1296% | 2,801 |
| Net loans and leases to core deposits | 73.8948% | 2,572 |
| Total domestic deposits to total assets | 86.6900% | 2,500 |
| Equity capital to assets | 9.8640% | 1,780 |
| Core capital (leverage) ratio | 11.6732% | 1,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5954% | 1,452 |
| Memoranda: | ||
| Average total assets | $2,517,627,800 | 452 |
| Average earning assets | $2,141,988,600 | 481 |
| Average equity | $259,246,600 | 431 |
| Average total loans | $1,510,528,000 | 473 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 985 |
| Cost of funding earning assets | 0.2750% | 2,434 |
| Net interest margin | 3.8699% | 846 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 2.1901% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.5063% | 841 |
| Return on assets (ROA) | 1.5136% | 802 |
| Pretax return on assets | 2.1149% | 367 |
| Return on Equity (ROE) | 14.5300% | 1,281 |
| Retained earnings to average equity (ytd only) | 10.3883% | 1,230 |
| Net charge-offs to loans | 0.0267% | 1,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 130.9631% | 802 |
| Efficiency ratio | 50.9834% | 4,093 |
| Assets per employee ($millions) | 9.2373% | 818 |
| Cash dividends to net income (ytd only)* | 28.5154% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4825% | 1,343 |
| Loan loss allowance to noncurrent loans | 154.0151% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 618 |
| Noncurrent loans to loans | 0.9625% | 810 |
| Net loans and leases to total assets | 59.8800% | 2,516 |
| Net loans and leases to deposits | 68.7193% | 2,480 |
| Net loans and leases to core deposits | 73.0617% | 2,419 |
| Total domestic deposits to total assets | 87.1400% | 2,716 |
| Equity capital to assets | 10.1490% | 1,543 |
| Core capital (leverage) ratio | 11.3890% | 1,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1674% | 1,376 |
| Memoranda: | ||
| Average total assets | $2,471,240,500 | 456 |
| Average earning assets | $2,102,312,750 | 487 |
| Average equity | $257,398,000 | 436 |
| Average total loans | $1,489,286,000 | 478 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 1,036 |
| Cost of funding earning assets | 0.1796% | 3,189 |
| Net interest margin | 3.7654% | 810 |
| Noninterest income to average assets | 0.9892% | 686 |
| Noninterest expense to average assets | 2.1686% | 2,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.4419% | 811 |
| Return on assets (ROA) | 1.4529% | 772 |
| Pretax return on assets | 2.0321% | 356 |
| Return on Equity (ROE) | 13.8309% | 1,154 |
| Retained earnings to average equity (ytd only) | 7.6640% | 1,744 |
| Net charge-offs to loans | 0.0418% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 80.3903% | 930 |
| Efficiency ratio | 51.7978% | 4,144 |
| Assets per employee ($millions) | 9.4618% | 763 |
| Cash dividends to net income (ytd only)* | 44.5881% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 1,427 |
| Loan loss allowance to noncurrent loans | 135.4847% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 0.9955% | 469 |
| Noncurrent loans to loans | 1.1016% | 747 |
| Net loans and leases to total assets | 60.5130% | 2,272 |
| Net loans and leases to deposits | 69.8528% | 2,221 |
| Net loans and leases to core deposits | 74.2811% | 2,149 |
| Total domestic deposits to total assets | 86.6293% | 3,068 |
| Equity capital to assets | 10.4328% | 1,465 |
| Core capital (leverage) ratio | 11.3532% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1790% | 1,397 |
| Memoranda: | ||
| Average total assets | $2,469,785,667 | 453 |
| Average earning assets | $2,097,254,667 | 494 |
| Average equity | $259,448,000 | 434 |
| Average total loans | $1,484,159,333 | 475 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 1,131 |
| Cost of funding earning assets | 0.1361% | 3,687 |
| Net interest margin | 3.6411% | 832 |
| Noninterest income to average assets | 0.9846% | 695 |
| Noninterest expense to average assets | 2.1292% | 3,049 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3869% | 824 |
| Return on assets (ROA) | 1.4089% | 774 |
| Pretax return on assets | 1.9702% | 388 |
| Return on Equity (ROE) | 13.3666% | 964 |
| Retained earnings to average equity (ytd only) | 8.7921% | 1,331 |
| Net charge-offs to loans | -0.0100% | 3,589 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2934% | 4,182 |
| Assets per employee ($millions) | 9.4291% | 786 |
| Cash dividends to net income (ytd only)* | 34.2231% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 1,453 |
| Loan loss allowance to noncurrent loans | 125.1160% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 0.9380% | 558 |
| Noncurrent loans to loans | 1.2247% | 720 |
| Net loans and leases to total assets | 59.3473% | 2,144 |
| Net loans and leases to deposits | 68.7802% | 2,071 |
| Net loans and leases to core deposits | 72.3759% | 2,079 |
| Total domestic deposits to total assets | 86.2854% | 3,168 |
| Equity capital to assets | 10.5557% | 1,572 |
| Core capital (leverage) ratio | 11.0996% | 1,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0937% | 1,482 |
| Memoranda: | ||
| Average total assets | $2,488,833,500 | 454 |
| Average earning assets | $2,110,132,000 | 490 |
| Average equity | $262,325,000 | 438 |
| Average total loans | $1,479,347,500 | 469 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 1,486 |
| Cost of funding earning assets | 0.2023% | 3,436 |
| Net interest margin | 3.7493% | 1,104 |
| Noninterest income to average assets | 0.9345% | 1,128 |
| Noninterest expense to average assets | 1.8594% | 4,031 |
| Loan and lease loss provision to assets | -0.1211% | 4,581 |
| Net operating income to assets | 1.6470% | 712 |
| Return on assets (ROA) | 1.6880% | 674 |
| Pretax return on assets | 2.3371% | 328 |
| Return on Equity (ROE) | 16.5310% | 669 |
| Retained earnings to average equity (ytd only) | 11.7859% | 566 |
| Net charge-offs to loans | 0.1191% | 758 |
| Credit loss provision to net charge-offs | -169.3958% | 3,477 |
| Earnings coverage of net charge-offs (x) | 30.2660% | 1,603 |
| Efficiency ratio | 46.2129% | 4,489 |
| Assets per employee ($millions) | 9.7911% | 707 |
| Cash dividends to net income (ytd only)* | 28.7040% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 1,464 |
| Loan loss allowance to noncurrent loans | 137.3018% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 676 |
| Noncurrent loans to loans | 1.1115% | 873 |
| Net loans and leases to total assets | 57.7377% | 2,400 |
| Net loans and leases to deposits | 68.7786% | 2,241 |
| Net loans and leases to core deposits | 72.4062% | 2,221 |
| Total domestic deposits to total assets | 83.9472% | 3,578 |
| Equity capital to assets | 10.5249% | 2,156 |
| Core capital (leverage) ratio | 10.5113% | 1,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0081% | 1,509 |
| Memoranda: | ||
| Average total assets | $2,476,710,800 | 439 |
| Average earning assets | $2,040,668,000 | 480 |
| Average equity | $252,895,000 | 444 |
| Average total loans | $1,487,307,000 | 474 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 1,580 |
| Cost of funding earning assets | 0.2124% | 3,492 |
| Net interest margin | 3.7713% | 1,178 |
| Noninterest income to average assets | 0.9112% | 1,232 |
| Noninterest expense to average assets | 1.7607% | 4,241 |
| Loan and lease loss provision to assets | -0.0812% | 4,556 |
| Net operating income to assets | 1.6730% | 878 |
| Return on assets (ROA) | 1.6779% | 914 |
| Pretax return on assets | 2.3222% | 450 |
| Return on Equity (ROE) | 16.5625% | 838 |
| Retained earnings to average equity (ytd only) | 11.7559% | 890 |
| Net charge-offs to loans | 0.0805% | 864 |
| Credit loss provision to net charge-offs | -166.8521% | 3,343 |
| Earnings coverage of net charge-offs (x) | 45.9477% | 1,281 |
| Efficiency ratio | 44.0664% | 4,583 |
| Assets per employee ($millions) | 9.7535% | 695 |
| Cash dividends to net income (ytd only)* | 29.0210% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7257% | 1,055 |
| Loan loss allowance to noncurrent loans | 127.2468% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1233% | 552 |
| Noncurrent loans to loans | 1.3562% | 790 |
| Net loans and leases to total assets | 56.3037% | 2,694 |
| Net loans and leases to deposits | 66.7635% | 2,560 |
| Net loans and leases to core deposits | 70.3518% | 2,564 |
| Total domestic deposits to total assets | 84.3330% | 3,357 |
| Equity capital to assets | 10.3233% | 2,598 |
| Core capital (leverage) ratio | 10.1249% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2758% | 1,546 |
| Memoranda: | ||
| Average total assets | $2,464,360,250 | 447 |
| Average earning assets | $2,015,467,500 | 492 |
| Average equity | $249,650,750 | 451 |
| Average total loans | $1,488,853,000 | 478 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0656% | 1,417 |
| Cost of funding earning assets | 0.2272% | 3,492 |
| Net interest margin | 3.8384% | 1,085 |
| Noninterest income to average assets | 0.8939% | 1,287 |
| Noninterest expense to average assets | 1.7547% | 4,269 |
| Loan and lease loss provision to assets | -0.1228% | 4,667 |
| Net operating income to assets | 1.6990% | 873 |
| Return on assets (ROA) | 1.7061% | 918 |
| Pretax return on assets | 2.3619% | 434 |
| Return on Equity (ROE) | 16.9521% | 789 |
| Retained earnings to average equity (ytd only) | 11.2596% | 1,064 |
| Net charge-offs to loans | 0.1596% | 522 |
| Credit loss provision to net charge-offs | -125.1043% | 3,103 |
| Earnings coverage of net charge-offs (x) | 22.7281% | 1,479 |
| Efficiency ratio | 44.0328% | 4,611 |
| Assets per employee ($millions) | 9.8071% | 649 |
| Cash dividends to net income (ytd only)* | 33.5796% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 1,145 |
| Loan loss allowance to noncurrent loans | 103.3420% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 1.2891% | 499 |
| Noncurrent loans to loans | 1.6071% | 681 |
| Net loans and leases to total assets | 56.2187% | 2,870 |
| Net loans and leases to deposits | 66.5863% | 2,771 |
| Net loans and leases to core deposits | 70.2471% | 2,757 |
| Total domestic deposits to total assets | 84.4298% | 3,300 |
| Equity capital to assets | 9.7487% | 3,098 |
| Core capital (leverage) ratio | 10.2537% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5312% | 1,793 |
| Memoranda: | ||
| Average total assets | $2,443,763,667 | 443 |
| Average earning assets | $1,967,976,667 | 500 |
| Average equity | $245,940,667 | 454 |
| Average total loans | $1,502,706,667 | 479 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3013% | 1,034 |
| Cost of funding earning assets | 0.2484% | 3,490 |
| Net interest margin | 4.0528% | 784 |
| Noninterest income to average assets | 0.8924% | 1,350 |
| Noninterest expense to average assets | 2.0637% | 3,526 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5020% | 1,325 |
| Return on assets (ROA) | 1.5020% | 1,386 |
| Pretax return on assets | 2.0774% | 831 |
| Return on Equity (ROE) | 14.6719% | 1,283 |
| Retained earnings to average equity (ytd only) | 8.0666% | 2,212 |
| Net charge-offs to loans | 0.0929% | 722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 35.0114% | 1,030 |
| Efficiency ratio | 49.8347% | 4,197 |
| Assets per employee ($millions) | 9.0466% | 814 |
| Cash dividends to net income (ytd only)* | 45.0197% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 876 |
| Loan loss allowance to noncurrent loans | 100.1668% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 1.2563% | 575 |
| Noncurrent loans to loans | 1.7956% | 649 |
| Net loans and leases to total assets | 61.0852% | 2,393 |
| Net loans and leases to deposits | 72.9274% | 2,220 |
| Net loans and leases to core deposits | 77.7588% | 2,209 |
| Total domestic deposits to total assets | 83.7617% | 3,505 |
| Equity capital to assets | 10.0818% | 2,633 |
| Core capital (leverage) ratio | 10.5726% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3930% | 1,774 |
| Memoranda: | ||
| Average total assets | $2,366,202,500 | 447 |
| Average earning assets | $1,896,741,000 | 510 |
| Average equity | $242,232,000 | 455 |
| Average total loans | $1,511,192,000 | 478 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 1,412 |
| Cost of funding earning assets | 0.5940% | 2,359 |
| Net interest margin | 3.8653% | 1,317 |
| Noninterest income to average assets | 0.7862% | 1,573 |
| Noninterest expense to average assets | 2.2177% | 3,632 |
| Loan and lease loss provision to assets | 0.3528% | 979 |
| Net operating income to assets | 1.1221% | 1,826 |
| Return on assets (ROA) | 1.1470% | 1,865 |
| Pretax return on assets | 1.6069% | 1,063 |
| Return on Equity (ROE) | 11.0384% | 1,615 |
| Retained earnings to average equity (ytd only) | 7.1207% | 1,351 |
| Net charge-offs to loans | 0.1114% | 1,361 |
| Credit loss provision to net charge-offs | 452.6988% | 1,328 |
| Earnings coverage of net charge-offs (x) | 24.7394% | 1,763 |
| Efficiency ratio | 53.3540% | 4,273 |
| Assets per employee ($millions) | 8.6454% | 851 |
| Cash dividends to net income (ytd only)* | 35.4918% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8011% | 852 |
| Loan loss allowance to noncurrent loans | 93.2264% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.3690% | 573 |
| Noncurrent loans to loans | 1.9320% | 613 |
| Net loans and leases to total assets | 64.4166% | 2,310 |
| Net loans and leases to deposits | 77.3129% | 2,146 |
| Net loans and leases to core deposits | 82.7559% | 2,136 |
| Total domestic deposits to total assets | 83.3193% | 3,324 |
| Equity capital to assets | 10.3992% | 2,759 |
| Core capital (leverage) ratio | 10.5359% | 2,136 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8489% | 1,907 |
| Memoranda: | ||
| Average total assets | $2,210,716,200 | 437 |
| Average earning assets | $1,921,457,200 | 459 |
| Average equity | $229,726,000 | 452 |
| Average total loans | $1,546,425,400 | 435 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 1,798 |
| Cost of funding earning assets | 0.6834% | 2,129 |
| Net interest margin | 3.7371% | 1,809 |
| Noninterest income to average assets | 0.7837% | 1,562 |
| Noninterest expense to average assets | 2.2219% | 3,631 |
| Loan and lease loss provision to assets | 0.3846% | 947 |
| Net operating income to assets | 1.0487% | 2,151 |
| Return on assets (ROA) | 1.0824% | 2,171 |
| Pretax return on assets | 1.5177% | 1,410 |
| Return on Equity (ROE) | 10.4180% | 1,869 |
| Retained earnings to average equity (ytd only) | 5.1300% | 2,507 |
| Net charge-offs to loans | 0.1121% | 1,227 |
| Credit loss provision to net charge-offs | 482.3890% | 1,317 |
| Earnings coverage of net charge-offs (x) | 23.3262% | 1,801 |
| Efficiency ratio | 54.3589% | 4,110 |
| Assets per employee ($millions) | 8.4613% | 858 |
| Cash dividends to net income (ytd only)* | 50.7586% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6650% | 950 |
| Loan loss allowance to noncurrent loans | 76.3947% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.6648% | 481 |
| Noncurrent loans to loans | 2.1794% | 542 |
| Net loans and leases to total assets | 68.4790% | 2,177 |
| Net loans and leases to deposits | 82.1459% | 2,084 |
| Net loans and leases to core deposits | 88.4446% | 2,110 |
| Total domestic deposits to total assets | 83.3626% | 3,040 |
| Equity capital to assets | 10.2625% | 2,998 |
| Core capital (leverage) ratio | 10.2829% | 2,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0805% | 2,162 |
| Memoranda: | ||
| Average total assets | $2,184,156,750 | 434 |
| Average earning assets | $1,927,467,000 | 451 |
| Average equity | $226,921,500 | 450 |
| Average total loans | $1,553,062,500 | 429 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4999% | 1,912 |
| Cost of funding earning assets | 0.7839% | 1,907 |
| Net interest margin | 3.7160% | 2,109 |
| Noninterest income to average assets | 0.8024% | 1,431 |
| Noninterest expense to average assets | 2.2512% | 3,650 |
| Loan and lease loss provision to assets | 0.3061% | 1,406 |
| Net operating income to assets | 1.0982% | 1,972 |
| Return on assets (ROA) | 1.1445% | 1,953 |
| Pretax return on assets | 1.6073% | 1,207 |
| Return on Equity (ROE) | 10.9694% | 1,640 |
| Retained earnings to average equity (ytd only) | 5.6358% | 2,219 |
| Net charge-offs to loans | 0.1686% | 882 |
| Credit loss provision to net charge-offs | 253.4562% | 1,740 |
| Earnings coverage of net charge-offs (x) | 15.3579% | 1,914 |
| Efficiency ratio | 54.7506% | 4,088 |
| Assets per employee ($millions) | 8.4203% | 836 |
| Cash dividends to net income (ytd only)* | 48.6224% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4822% | 1,317 |
| Loan loss allowance to noncurrent loans | 65.7819% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.7061% | 491 |
| Noncurrent loans to loans | 2.2533% | 551 |
| Net loans and leases to total assets | 67.3580% | 2,442 |
| Net loans and leases to deposits | 80.7099% | 2,349 |
| Net loans and leases to core deposits | 88.6985% | 2,182 |
| Total domestic deposits to total assets | 83.4570% | 2,938 |
| Equity capital to assets | 10.0001% | 3,208 |
| Core capital (leverage) ratio | 10.2903% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2326% | 2,092 |
| Memoranda: | ||
| Average total assets | $2,156,332,667 | 429 |
| Average earning assets | $1,916,977,000 | 444 |
| Average equity | $224,990,000 | 450 |
| Average total loans | $1,544,369,333 | 421 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7724% | 1,497 |
| Cost of funding earning assets | 0.9333% | 1,722 |
| Net interest margin | 3.8390% | 1,851 |
| Noninterest income to average assets | 0.8590% | 1,150 |
| Noninterest expense to average assets | 2.4071% | 3,526 |
| Loan and lease loss provision to assets | 0.3453% | 888 |
| Net operating income to assets | 1.0717% | 1,930 |
| Return on assets (ROA) | 1.1055% | 1,920 |
| Pretax return on assets | 1.5527% | 1,168 |
| Return on Equity (ROE) | 10.3583% | 1,624 |
| Retained earnings to average equity (ytd only) | 4.9662% | 2,290 |
| Net charge-offs to loans | 0.1544% | 838 |
| Credit loss provision to net charge-offs | 304.5685% | 1,167 |
| Earnings coverage of net charge-offs (x) | 16.3638% | 1,530 |
| Efficiency ratio | 56.3932% | 4,171 |
| Assets per employee ($millions) | 8.0069% | 729 |
| Cash dividends to net income (ytd only)* | 52.0562% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,493 |
| Loan loss allowance to noncurrent loans | 78.0599% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.5239% | 693 |
| Noncurrent loans to loans | 1.8689% | 789 |
| Net loans and leases to total assets | 70.5829% | 2,154 |
| Net loans and leases to deposits | 85.6768% | 2,037 |
| Net loans and leases to core deposits | 97.3621% | 1,692 |
| Total domestic deposits to total assets | 82.3828% | 3,305 |
| Equity capital to assets | 10.3430% | 3,473 |
| Core capital (leverage) ratio | 11.0143% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6665% | 2,412 |
| Memoranda: | ||
| Average total assets | $2,085,127,000 | 431 |
| Average earning assets | $1,848,481,000 | 447 |
| Average equity | $222,546,500 | 454 |
| Average total loans | $1,530,712,000 | 419 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 818 |
| Cost of funding earning assets | 1.2641% | 855 |
| Net interest margin | 4.0348% | 1,730 |
| Noninterest income to average assets | 0.9627% | 1,049 |
| Noninterest expense to average assets | 2.4404% | 3,591 |
| Loan and lease loss provision to assets | 0.0590% | 2,855 |
| Net operating income to assets | 1.4160% | 1,291 |
| Return on assets (ROA) | 1.4102% | 1,388 |
| Pretax return on assets | 1.9108% | 729 |
| Return on Equity (ROE) | 13.4746% | 1,023 |
| Retained earnings to average equity (ytd only) | 7.1326% | 1,338 |
| Net charge-offs to loans | 0.0842% | 1,912 |
| Credit loss provision to net charge-offs | 95.6175% | 2,581 |
| Earnings coverage of net charge-offs (x) | 32.0414% | 1,518 |
| Efficiency ratio | 54.9568% | 4,326 |
| Assets per employee ($millions) | 7.4132% | 893 |
| Cash dividends to net income (ytd only)* | 47.0662% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 1,515 |
| Loan loss allowance to noncurrent loans | 142.6715% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 1,327 |
| Noncurrent loans to loans | 0.9830% | 1,551 |
| Net loans and leases to total assets | 74.2594% | 1,711 |
| Net loans and leases to deposits | 89.5221% | 1,647 |
| Net loans and leases to core deposits | 96.5669% | 1,853 |
| Total domestic deposits to total assets | 82.9509% | 3,209 |
| Equity capital to assets | 11.0256% | 2,971 |
| Core capital (leverage) ratio | 11.0457% | 2,462 |
| Tier 1 risk-based capital ratio | 12.3680% | 4,147 |
| Total risk-based capital ratio | 13.5534% | 4,052 |
| Memoranda: | ||
| Average total assets | $2,033,907,000 | 418 |
| Average earning assets | $1,741,495,600 | 448 |
| Average equity | $212,866,800 | 455 |
| Average total loans | $1,491,283,800 | 408 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3149% | 837 |
| Cost of funding earning assets | 1.3242% | 732 |
| Net interest margin | 3.9907% | 1,969 |
| Noninterest income to average assets | 0.9733% | 993 |
| Noninterest expense to average assets | 2.4054% | 3,663 |
| Loan and lease loss provision to assets | 0.0589% | 2,718 |
| Net operating income to assets | 1.3587% | 1,619 |
| Return on assets (ROA) | 1.3501% | 1,712 |
| Pretax return on assets | 1.8947% | 878 |
| Return on Equity (ROE) | 13.0725% | 1,258 |
| Retained earnings to average equity (ytd only) | 6.4219% | 2,162 |
| Net charge-offs to loans | 0.0876% | 1,595 |
| Credit loss provision to net charge-offs | 92.3077% | 2,371 |
| Earnings coverage of net charge-offs (x) | 30.8040% | 1,599 |
| Efficiency ratio | 54.7541% | 4,309 |
| Assets per employee ($millions) | 7.4818% | 849 |
| Cash dividends to net income (ytd only)* | 50.8746% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4023% | 1,564 |
| Loan loss allowance to noncurrent loans | 181.9410% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 1,184 |
| Noncurrent loans to loans | 0.7707% | 2,042 |
| Net loans and leases to total assets | 73.7892% | 1,853 |
| Net loans and leases to deposits | 88.5638% | 1,855 |
| Net loans and leases to core deposits | 95.4391% | 2,043 |
| Total domestic deposits to total assets | 83.3176% | 3,057 |
| Equity capital to assets | 10.7254% | 3,355 |
| Core capital (leverage) ratio | 10.9644% | 2,679 |
| Tier 1 risk-based capital ratio | 12.0609% | 4,391 |
| Total risk-based capital ratio | 13.2428% | 4,311 |
| Memoranda: | ||
| Average total assets | $2,038,285,000 | 418 |
| Average earning assets | $1,734,887,750 | 445 |
| Average equity | $210,503,500 | 458 |
| Average total loans | $1,484,439,750 | 411 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 866 |
| Cost of funding earning assets | 1.3560% | 630 |
| Net interest margin | 3.9138% | 2,203 |
| Noninterest income to average assets | 1.0006% | 870 |
| Noninterest expense to average assets | 2.4674% | 3,580 |
| Loan and lease loss provision to assets | 0.0588% | 2,646 |
| Net operating income to assets | 1.2809% | 1,846 |
| Return on assets (ROA) | 1.2616% | 1,977 |
| Pretax return on assets | 1.7717% | 1,109 |
| Return on Equity (ROE) | 12.3737% | 1,450 |
| Retained earnings to average equity (ytd only) | 5.1685% | 2,686 |
| Net charge-offs to loans | 0.0012% | 3,138 |
| Credit loss provision to net charge-offs | 6,666.6667% | 48 |
| Earnings coverage of net charge-offs (x) | 2,104.2222% | 26 |
| Efficiency ratio | 56.7916% | 4,151 |
| Assets per employee ($millions) | 7.1179% | 947 |
| Cash dividends to net income (ytd only)* | 58.2298% | 1,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 1,378 |
| Loan loss allowance to noncurrent loans | 176.3278% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 1,118 |
| Noncurrent loans to loans | 0.8300% | 1,931 |
| Net loans and leases to total assets | 74.4005% | 1,823 |
| Net loans and leases to deposits | 87.1674% | 2,108 |
| Net loans and leases to core deposits | 93.9455% | 2,242 |
| Total domestic deposits to total assets | 85.3535% | 2,323 |
| Equity capital to assets | 10.7087% | 3,338 |
| Core capital (leverage) ratio | 10.7223% | 2,875 |
| Tier 1 risk-based capital ratio | 11.5882% | 4,639 |
| Total risk-based capital ratio | 12.7859% | 4,557 |
| Memoranda: | ||
| Average total assets | $2,041,860,330 | 417 |
| Average earning assets | $1,732,977,000 | 447 |
| Average equity | $208,183,670 | 460 |
| Average total loans | $1,473,454,000 | 413 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1710% | 959 |
| Cost of funding earning assets | 1.3525% | 547 |
| Net interest margin | 3.8185% | 2,456 |
| Noninterest income to average assets | 0.8621% | 1,139 |
| Noninterest expense to average assets | 2.4029% | 3,765 |
| Loan and lease loss provision to assets | 0.0580% | 2,497 |
| Net operating income to assets | 1.1504% | 2,264 |
| Return on assets (ROA) | 1.1091% | 2,482 |
| Pretax return on assets | 1.5588% | 1,582 |
| Return on Equity (ROE) | 11.1468% | 1,892 |
| Retained earnings to average equity (ytd only) | 4.3488% | 3,183 |
| Net charge-offs to loans | -0.0003% | 3,783 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7015% | 3,989 |
| Assets per employee ($millions) | 7.5158% | 812 |
| Cash dividends to net income (ytd only)* | 60.9862% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 1,395 |
| Loan loss allowance to noncurrent loans | 194.0323% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 1.2182% | 1,096 |
| Noncurrent loans to loans | 0.7628% | 2,121 |
| Net loans and leases to total assets | 69.2358% | 2,592 |
| Net loans and leases to deposits | 79.6952% | 2,876 |
| Net loans and leases to core deposits | 86.1827% | 2,852 |
| Total domestic deposits to total assets | 86.8758% | 1,876 |
| Equity capital to assets | 9.9936% | 3,836 |
| Core capital (leverage) ratio | 10.4006% | 3,163 |
| Tier 1 risk-based capital ratio | 11.7500% | 4,591 |
| Total risk-based capital ratio | 12.9667% | 4,508 |
| Memoranda: | ||
| Average total assets | $2,069,839,000 | 415 |
| Average earning assets | $1,739,939,500 | 448 |
| Average equity | $205,943,000 | 462 |
| Average total loans | $1,460,448,500 | 419 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1061% | 832 |
| Cost of funding earning assets | 1.1359% | 441 |
| Net interest margin | 3.9701% | 2,091 |
| Noninterest income to average assets | 0.9880% | 968 |
| Noninterest expense to average assets | 2.4664% | 3,711 |
| Loan and lease loss provision to assets | 0.0422% | 3,343 |
| Net operating income to assets | 0.2248% | 5,083 |
| Return on assets (ROA) | 0.2234% | 5,080 |
| Pretax return on assets | 1.8295% | 853 |
| Return on Equity (ROE) | 2.2210% | 5,015 |
| Retained earnings to average equity (ytd only) | -6.7749% | 5,274 |
| Net charge-offs to loans | -0.0127% | 4,563 |
| Credit loss provision to net charge-offs | -464.0884% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5696% | 4,465 |
| Assets per employee ($millions) | 7.5378% | 784 |
| Cash dividends to net income (ytd only)* | 405.0405% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 1,401 |
| Loan loss allowance to noncurrent loans | 114.9061% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.6074% | 702 |
| Noncurrent loans to loans | 1.2747% | 1,246 |
| Net loans and leases to total assets | 69.8069% | 2,594 |
| Net loans and leases to deposits | 80.4944% | 2,898 |
| Net loans and leases to core deposits | 87.6366% | 2,776 |
| Total domestic deposits to total assets | 86.7226% | 1,906 |
| Equity capital to assets | 9.9054% | 3,757 |
| Core capital (leverage) ratio | 10.4041% | 3,135 |
| Tier 1 risk-based capital ratio | 11.4398% | 4,747 |
| Total risk-based capital ratio | 12.6209% | 4,687 |
| Memoranda: | ||
| Average total assets | $1,989,523,600 | 416 |
| Average earning assets | $1,679,745,800 | 448 |
| Average equity | $200,092,600 | 448 |
| Average total loans | $1,424,172,400 | 417 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0395% | 863 |
| Cost of funding earning assets | 1.0771% | 434 |
| Net interest margin | 3.9624% | 2,082 |
| Noninterest income to average assets | 1.0342% | 897 |
| Noninterest expense to average assets | 2.4890% | 3,625 |
| Loan and lease loss provision to assets | 0.0426% | 3,138 |
| Net operating income to assets | -0.3016% | 5,364 |
| Return on assets (ROA) | -0.3032% | 5,364 |
| Pretax return on assets | 1.8531% | 898 |
| Return on Equity (ROE) | -3.0032% | 5,368 |
| Retained earnings to average equity (ytd only) | -11.7064% | 5,402 |
| Net charge-offs to loans | -0.0218% | 4,655 |
| Credit loss provision to net charge-offs | -272.7273% | 4,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4802% | 4,449 |
| Assets per employee ($millions) | 7.1730% | 876 |
| Cash dividends to net income (ytd only)* | -289.7906% | 5,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 1,518 |
| Loan loss allowance to noncurrent loans | 171.9792% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 1,499 |
| Noncurrent loans to loans | 0.8439% | 2,018 |
| Net loans and leases to total assets | 72.1642% | 2,308 |
| Net loans and leases to deposits | 84.9092% | 2,488 |
| Net loans and leases to core deposits | 92.4302% | 2,437 |
| Total domestic deposits to total assets | 84.9898% | 2,610 |
| Equity capital to assets | 9.9954% | 3,653 |
| Core capital (leverage) ratio | 10.3652% | 3,218 |
| Tier 1 risk-based capital ratio | 11.3771% | 4,858 |
| Total risk-based capital ratio | 12.5666% | 4,785 |
| Memoranda: | ||
| Average total assets | $1,972,453,000 | 419 |
| Average earning assets | $1,668,893,500 | 446 |
| Average equity | $199,157,500 | 449 |
| Average total loans | $1,415,754,750 | 417 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9323% | 952 |
| Cost of funding earning assets | 1.0193% | 429 |
| Net interest margin | 3.9130% | 2,163 |
| Noninterest income to average assets | 1.0267% | 915 |
| Noninterest expense to average assets | 2.5010% | 3,629 |
| Loan and lease loss provision to assets | 0.0427% | 3,045 |
| Net operating income to assets | -1.1718% | 5,482 |
| Return on assets (ROA) | -1.1736% | 5,476 |
| Pretax return on assets | 1.7841% | 1,002 |
| Return on Equity (ROE) | -11.5839% | 5,478 |
| Retained earnings to average equity (ytd only) | -19.6199% | 5,493 |
| Net charge-offs to loans | -0.0241% | 4,649 |
| Credit loss provision to net charge-offs | -248.5207% | 4,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4797% | 4,421 |
| Assets per employee ($millions) | 6.5149% | 1,172 |
| Cash dividends to net income (ytd only)* | -69.3722% | 5,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 1,478 |
| Loan loss allowance to noncurrent loans | 142.9909% | 2,859 |
| Noncurrent assets plus other real estate owned to assets | 1.1584% | 1,249 |
| Noncurrent loans to loans | 1.0294% | 1,711 |
| Net loans and leases to total assets | 70.2439% | 2,544 |
| Net loans and leases to deposits | 84.6768% | 2,457 |
| Net loans and leases to core deposits | 93.8126% | 2,234 |
| Total domestic deposits to total assets | 82.9553% | 3,417 |
| Equity capital to assets | 9.9112% | 3,712 |
| Core capital (leverage) ratio | 10.3184% | 3,223 |
| Tier 1 risk-based capital ratio | 11.4308% | 4,818 |
| Total risk-based capital ratio | 12.6239% | 4,754 |
| Memoranda: | ||
| Average total assets | $1,965,239,330 | 418 |
| Average earning assets | $1,659,019,330 | 448 |
| Average equity | $199,104,330 | 446 |
| Average total loans | $1,400,934,670 | 418 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,478 |
| Cost of funding earning assets | 0.9467% | 474 |
| Net interest margin | 3.6877% | 2,852 |
| Noninterest income to average assets | 0.8568% | 1,275 |
| Noninterest expense to average assets | 2.4102% | 3,917 |
| Loan and lease loss provision to assets | 0.0431% | 2,898 |
| Net operating income to assets | -3.8026% | 5,587 |
| Return on assets (ROA) | -3.8032% | 5,585 |
| Pretax return on assets | 1.5347% | 1,583 |
| Return on Equity (ROE) | -37.1274% | 5,585 |
| Retained earnings to average equity (ytd only) | -43.1315% | 5,579 |
| Net charge-offs to loans | -0.0112% | 4,293 |
| Credit loss provision to net charge-offs | -538.4615% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0255% | 4,212 |
| Assets per employee ($millions) | 7.0745% | 932 |
| Cash dividends to net income (ytd only)* | -16.1716% | 5,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4667% | 1,593 |
| Loan loss allowance to noncurrent loans | 123.9073% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 1,118 |
| Noncurrent loans to loans | 1.1837% | 1,549 |
| Net loans and leases to total assets | 69.8016% | 2,518 |
| Net loans and leases to deposits | 83.2375% | 2,478 |
| Net loans and leases to core deposits | 95.0487% | 2,050 |
| Total domestic deposits to total assets | 83.8584% | 3,384 |
| Equity capital to assets | 9.8994% | 3,702 |
| Core capital (leverage) ratio | 10.2950% | 3,194 |
| Tier 1 risk-based capital ratio | 11.3526% | 4,951 |
| Total risk-based capital ratio | 12.5333% | 4,877 |
| Memoranda: | ||
| Average total assets | $1,951,073,000 | 427 |
| Average earning assets | $1,657,080,000 | 453 |
| Average equity | $199,863,000 | 451 |
| Average total loans | $1,390,760,000 | 419 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8673% | 856 |
| Cost of funding earning assets | 0.8240% | 546 |
| Net interest margin | 4.0433% | 1,611 |
| Noninterest income to average assets | 1.0746% | 883 |
| Noninterest expense to average assets | 2.6264% | 3,361 |
| Loan and lease loss provision to assets | 0.1366% | 1,677 |
| Net operating income to assets | 1.7256% | 501 |
| Return on assets (ROA) | 1.7395% | 495 |
| Pretax return on assets | 1.7643% | 867 |
| Return on Equity (ROE) | 16.4744% | 432 |
| Retained earnings to average equity (ytd only) | 6.9715% | 1,086 |
| Net charge-offs to loans | -0.0465% | 5,166 |
| Credit loss provision to net charge-offs | -408.9457% | 4,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8335% | 4,680 |
| Assets per employee ($millions) | 6.8373% | 1,043 |
| Cash dividends to net income (ytd only)* | 57.6829% | 1,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,491 |
| Loan loss allowance to noncurrent loans | 114.7145% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.3878% | 1,018 |
| Noncurrent loans to loans | 1.2860% | 1,370 |
| Net loans and leases to total assets | 70.6784% | 2,419 |
| Net loans and leases to deposits | 86.0710% | 2,254 |
| Net loans and leases to core deposits | 99.1779% | 1,774 |
| Total domestic deposits to total assets | 82.1165% | 3,841 |
| Equity capital to assets | 10.5988% | 3,052 |
| Core capital (leverage) ratio | 10.8146% | 2,524 |
| Tier 1 risk-based capital ratio | 11.9728% | 4,548 |
| Total risk-based capital ratio | 13.1633% | 4,468 |
| Memoranda: | ||
| Average total assets | $1,873,593,800 | 431 |
| Average earning assets | $1,593,406,800 | 456 |
| Average equity | $197,834,600 | 443 |
| Average total loans | $1,344,982,400 | 418 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9018% | 756 |
| Cost of funding earning assets | 0.7980% | 583 |
| Net interest margin | 4.1038% | 1,378 |
| Noninterest income to average assets | 1.1246% | 801 |
| Noninterest expense to average assets | 2.6411% | 3,282 |
| Loan and lease loss provision to assets | 0.1650% | 1,227 |
| Net operating income to assets | 1.7973% | 470 |
| Return on assets (ROA) | 1.8112% | 470 |
| Pretax return on assets | 1.8306% | 821 |
| Return on Equity (ROE) | 17.1699% | 402 |
| Retained earnings to average equity (ytd only) | 8.6834% | 954 |
| Net charge-offs to loans | -0.1433% | 5,466 |
| Credit loss provision to net charge-offs | -160.3340% | 4,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7983% | 4,770 |
| Assets per employee ($millions) | 6.6714% | 1,089 |
| Cash dividends to net income (ytd only)* | 49.4266% | 1,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5565% | 1,342 |
| Loan loss allowance to noncurrent loans | 119.2180% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 1,088 |
| Noncurrent loans to loans | 1.3056% | 1,464 |
| Net loans and leases to total assets | 69.9699% | 2,560 |
| Net loans and leases to deposits | 84.0140% | 2,558 |
| Net loans and leases to core deposits | 97.4910% | 1,926 |
| Total domestic deposits to total assets | 83.2836% | 3,363 |
| Equity capital to assets | 10.7949% | 3,065 |
| Core capital (leverage) ratio | 11.0463% | 2,412 |
| Tier 1 risk-based capital ratio | 12.0620% | 4,561 |
| Total risk-based capital ratio | 13.3018% | 4,466 |
| Memoranda: | ||
| Average total assets | $1,861,671,750 | 439 |
| Average earning assets | $1,586,838,250 | 460 |
| Average equity | $196,385,000 | 446 |
| Average total loans | $1,336,662,000 | 423 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9827% | 575 |
| Cost of funding earning assets | 0.7771% | 589 |
| Net interest margin | 4.2057% | 1,067 |
| Noninterest income to average assets | 0.9244% | 1,202 |
| Noninterest expense to average assets | 2.6116% | 3,395 |
| Loan and lease loss provision to assets | 0.1658% | 1,200 |
| Net operating income to assets | 1.7116% | 555 |
| Return on assets (ROA) | 1.7137% | 555 |
| Pretax return on assets | 1.7332% | 979 |
| Return on Equity (ROE) | 16.3756% | 480 |
| Retained earnings to average equity (ytd only) | 6.5772% | 1,801 |
| Net charge-offs to loans | -0.1524% | 5,531 |
| Credit loss provision to net charge-offs | -151.0324% | 4,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5505% | 4,761 |
| Assets per employee ($millions) | 6.8526% | 985 |
| Cash dividends to net income (ytd only)* | 59.8350% | 1,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 1,729 |
| Loan loss allowance to noncurrent loans | 96.3512% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.6670% | 883 |
| Noncurrent loans to loans | 1.5149% | 1,239 |
| Net loans and leases to total assets | 70.3149% | 2,481 |
| Net loans and leases to deposits | 87.7582% | 2,019 |
| Net loans and leases to core deposits | 103.3884% | 1,403 |
| Total domestic deposits to total assets | 80.1234% | 4,383 |
| Equity capital to assets | 10.4939% | 3,354 |
| Core capital (leverage) ratio | 10.7804% | 2,626 |
| Tier 1 risk-based capital ratio | 11.7831% | 4,774 |
| Total risk-based capital ratio | 12.9616% | 4,710 |
| Memoranda: | ||
| Average total assets | $1,852,896,330 | 441 |
| Average earning assets | $1,579,010,670 | 462 |
| Average equity | $193,911,000 | 450 |
| Average total loans | $1,334,910,330 | 428 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,171 |
| Cost of funding earning assets | 0.7669% | 591 |
| Net interest margin | 3.8198% | 2,043 |
| Noninterest income to average assets | 0.8477% | 1,408 |
| Noninterest expense to average assets | 2.4807% | 3,873 |
| Loan and lease loss provision to assets | 0.1675% | 1,068 |
| Net operating income to assets | 1.4548% | 885 |
| Return on assets (ROA) | 1.4580% | 902 |
| Pretax return on assets | 1.4777% | 1,613 |
| Return on Equity (ROE) | 13.9519% | 820 |
| Retained earnings to average equity (ytd only) | 6.6461% | 2,006 |
| Net charge-offs to loans | -0.0211% | 4,776 |
| Credit loss provision to net charge-offs | -1,097.1429% | 4,444 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6486% | 4,639 |
| Assets per employee ($millions) | 6.5347% | 1,168 |
| Cash dividends to net income (ytd only)* | 52.3639% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,344 |
| Loan loss allowance to noncurrent loans | 70.0721% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 2.0590% | 636 |
| Noncurrent loans to loans | 1.9096% | 948 |
| Net loans and leases to total assets | 71.9580% | 2,080 |
| Net loans and leases to deposits | 86.7350% | 1,947 |
| Net loans and leases to core deposits | 102.4829% | 1,333 |
| Total domestic deposits to total assets | 82.9631% | 3,855 |
| Equity capital to assets | 10.5086% | 3,178 |
| Core capital (leverage) ratio | 10.4919% | 2,913 |
| Tier 1 risk-based capital ratio | 11.8005% | 4,850 |
| Total risk-based capital ratio | 12.8973% | 4,842 |
| Memoranda: | ||
| Average total assets | $1,833,692,500 | 448 |
| Average earning assets | $1,572,105,000 | 466 |
| Average equity | $191,630,500 | 453 |
| Average total loans | $1,327,581,500 | 429 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6916% | 1,075 |
| Cost of funding earning assets | 0.7590% | 607 |
| Net interest margin | 3.9326% | 1,843 |
| Noninterest income to average assets | 0.9389% | 1,296 |
| Noninterest expense to average assets | 2.5671% | 3,785 |
| Loan and lease loss provision to assets | 0.1302% | 1,915 |
| Net operating income to assets | 1.5554% | 756 |
| Return on assets (ROA) | 1.5562% | 779 |
| Pretax return on assets | 1.5725% | 1,366 |
| Return on Equity (ROE) | 14.0032% | 772 |
| Retained earnings to average equity (ytd only) | 7.1247% | 1,179 |
| Net charge-offs to loans | 0.1266% | 1,981 |
| Credit loss provision to net charge-offs | 143.5705% | 1,910 |
| Earnings coverage of net charge-offs (x) | 18.7628% | 1,949 |
| Efficiency ratio | 58.5026% | 4,791 |
| Assets per employee ($millions) | 6.2486% | 1,295 |
| Cash dividends to net income (ytd only)* | 49.1213% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 2,503 |
| Loan loss allowance to noncurrent loans | 63.0414% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 2.1731% | 604 |
| Noncurrent loans to loans | 2.0744% | 856 |
| Net loans and leases to total assets | 70.9197% | 2,347 |
| Net loans and leases to deposits | 88.7771% | 1,835 |
| Net loans and leases to core deposits | 99.7239% | 1,644 |
| Total domestic deposits to total assets | 79.8851% | 4,599 |
| Equity capital to assets | 10.3919% | 3,285 |
| Core capital (leverage) ratio | 10.7584% | 2,582 |
| Tier 1 risk-based capital ratio | 11.9694% | 4,751 |
| Total risk-based capital ratio | 13.0458% | 4,760 |
| Memoranda: | ||
| Average total assets | $1,766,065,800 | 444 |
| Average earning assets | $1,495,539,800 | 463 |
| Average equity | $196,262,200 | 436 |
| Average total loans | $1,265,483,200 | 421 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 974 |
| Cost of funding earning assets | 0.7654% | 596 |
| Net interest margin | 3.9898% | 1,688 |
| Noninterest income to average assets | 0.9006% | 1,401 |
| Noninterest expense to average assets | 2.6190% | 3,597 |
| Loan and lease loss provision to assets | 0.1523% | 1,536 |
| Net operating income to assets | 1.4867% | 904 |
| Return on assets (ROA) | 1.4851% | 952 |
| Pretax return on assets | 1.5003% | 1,710 |
| Return on Equity (ROE) | 13.1420% | 1,015 |
| Retained earnings to average equity (ytd only) | 6.0688% | 2,147 |
| Net charge-offs to loans | -0.0963% | 5,564 |
| Credit loss provision to net charge-offs | -220.7506% | 4,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6487% | 4,595 |
| Assets per employee ($millions) | 6.0264% | 1,418 |
| Cash dividends to net income (ytd only)* | 53.8213% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 1,597 |
| Loan loss allowance to noncurrent loans | 61.6644% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 3.5676% | 273 |
| Noncurrent loans to loans | 2.5231% | 694 |
| Net loans and leases to total assets | 69.8305% | 2,513 |
| Net loans and leases to deposits | 85.4419% | 2,318 |
| Net loans and leases to core deposits | 95.8355% | 2,010 |
| Total domestic deposits to total assets | 81.7287% | 4,031 |
| Equity capital to assets | 11.7992% | 2,257 |
| Core capital (leverage) ratio | 11.8773% | 1,767 |
| Tier 1 risk-based capital ratio | 13.4407% | 3,896 |
| Total risk-based capital ratio | 14.6910% | 3,807 |
| Memoranda: | ||
| Average total assets | $1,751,435,000 | 448 |
| Average earning assets | $1,480,435,500 | 468 |
| Average equity | $197,925,500 | 438 |
| Average total loans | $1,254,069,250 | 425 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 907 |
| Cost of funding earning assets | 0.7659% | 585 |
| Net interest margin | 4.0224% | 1,573 |
| Noninterest income to average assets | 0.8510% | 1,541 |
| Noninterest expense to average assets | 2.5905% | 3,752 |
| Loan and lease loss provision to assets | 0.2285% | 896 |
| Net operating income to assets | 1.4181% | 1,032 |
| Return on assets (ROA) | 1.4072% | 1,105 |
| Pretax return on assets | 1.4197% | 1,947 |
| Return on Equity (ROE) | 12.6386% | 1,121 |
| Retained earnings to average equity (ytd only) | 4.9434% | 2,775 |
| Net charge-offs to loans | -0.0340% | 5,189 |
| Credit loss provision to net charge-offs | -934.5794% | 5,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3054% | 4,738 |
| Assets per employee ($millions) | 6.3116% | 1,189 |
| Cash dividends to net income (ytd only)* | 60.8865% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 1,901 |
| Loan loss allowance to noncurrent loans | 61.3559% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 3.5892% | 286 |
| Noncurrent loans to loans | 2.4274% | 736 |
| Net loans and leases to total assets | 70.3509% | 2,426 |
| Net loans and leases to deposits | 87.4756% | 2,068 |
| Net loans and leases to core deposits | 98.8375% | 1,736 |
| Total domestic deposits to total assets | 80.4235% | 4,442 |
| Equity capital to assets | 11.5178% | 2,530 |
| Core capital (leverage) ratio | 11.5861% | 1,924 |
| Tier 1 risk-based capital ratio | 13.2276% | 4,061 |
| Total risk-based capital ratio | 14.4634% | 3,984 |
| Memoranda: | ||
| Average total assets | $1,750,684,330 | 447 |
| Average earning assets | $1,479,217,670 | 468 |
| Average equity | $194,927,000 | 442 |
| Average total loans | $1,257,438,000 | 426 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 977 |
| Cost of funding earning assets | 0.7623% | 599 |
| Net interest margin | 3.9752% | 1,690 |
| Noninterest income to average assets | 0.7926% | 1,647 |
| Noninterest expense to average assets | 2.5198% | 4,011 |
| Loan and lease loss provision to assets | 0.2745% | 607 |
| Net operating income to assets | 1.3530% | 1,130 |
| Return on assets (ROA) | 1.3569% | 1,189 |
| Pretax return on assets | 1.3612% | 2,038 |
| Return on Equity (ROE) | 12.4007% | 1,185 |
| Retained earnings to average equity (ytd only) | 4.0388% | 3,474 |
| Net charge-offs to loans | 0.0054% | 2,926 |
| Credit loss provision to net charge-offs | 7,058.8235% | 49 |
| Earnings coverage of net charge-offs (x) | 419.6471% | 139 |
| Efficiency ratio | 59.0028% | 4,873 |
| Assets per employee ($millions) | 6.3656% | 1,183 |
| Cash dividends to net income (ytd only)* | 67.4309% | 1,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3976% | 2,435 |
| Loan loss allowance to noncurrent loans | 43.7298% | 4,978 |
| Noncurrent assets plus other real estate owned to assets | 4.1872% | 227 |
| Noncurrent loans to loans | 3.1959% | 471 |
| Net loans and leases to total assets | 70.2929% | 2,291 |
| Net loans and leases to deposits | 85.9203% | 2,068 |
| Net loans and leases to core deposits | 97.3331% | 1,683 |
| Total domestic deposits to total assets | 81.8118% | 4,280 |
| Equity capital to assets | 11.2203% | 2,710 |
| Core capital (leverage) ratio | 11.4057% | 2,046 |
| Tier 1 risk-based capital ratio | 12.8585% | 4,352 |
| Total risk-based capital ratio | 14.0114% | 4,331 |
| Memoranda: | ||
| Average total assets | $1,748,719,000 | 442 |
| Average earning assets | $1,477,645,000 | 469 |
| Average equity | $191,344,000 | 445 |
| Average total loans | $1,259,632,500 | 423 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7239% | 1,064 |
| Cost of funding earning assets | 0.7570% | 618 |
| Net interest margin | 3.9669% | 1,818 |
| Noninterest income to average assets | 1.2084% | 819 |
| Noninterest expense to average assets | 2.7836% | 3,306 |
| Loan and lease loss provision to assets | 0.1610% | 1,434 |
| Net operating income to assets | 1.6099% | 691 |
| Return on assets (ROA) | 1.6328% | 674 |
| Pretax return on assets | 1.6328% | 1,158 |
| Return on Equity (ROE) | 15.5305% | 610 |
| Retained earnings to average equity (ytd only) | 10.4264% | 404 |
| Net charge-offs to loans | 0.1095% | 2,284 |
| Credit loss provision to net charge-offs | 207.8522% | 1,350 |
| Earnings coverage of net charge-offs (x) | 22.8653% | 1,753 |
| Efficiency ratio | 59.4083% | 4,986 |
| Assets per employee ($millions) | 5.9580% | 1,415 |
| Cash dividends to net income (ytd only)* | 32.8647% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,854 |
| Loan loss allowance to noncurrent loans | 52.5462% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 3.8337% | 276 |
| Noncurrent loans to loans | 2.4888% | 740 |
| Net loans and leases to total assets | 71.8402% | 2,083 |
| Net loans and leases to deposits | 86.9396% | 2,012 |
| Net loans and leases to core deposits | 99.8944% | 1,508 |
| Total domestic deposits to total assets | 82.6323% | 3,965 |
| Equity capital to assets | 10.7016% | 3,137 |
| Core capital (leverage) ratio | 11.2225% | 2,188 |
| Tier 1 risk-based capital ratio | 12.2660% | 4,779 |
| Total risk-based capital ratio | 13.3563% | 4,782 |
| Memoranda: | ||
| Average total assets | $1,677,230,200 | 435 |
| Average earning assets | $1,414,751,800 | 459 |
| Average equity | $176,330,800 | 456 |
| Average total loans | $1,186,507,400 | 417 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 1,017 |
| Cost of funding earning assets | 0.7560% | 627 |
| Net interest margin | 3.9917% | 1,728 |
| Noninterest income to average assets | 1.2377% | 789 |
| Noninterest expense to average assets | 2.8424% | 3,030 |
| Loan and lease loss provision to assets | 0.1442% | 1,527 |
| Net operating income to assets | 1.6240% | 729 |
| Return on assets (ROA) | 1.6491% | 716 |
| Pretax return on assets | 1.6491% | 1,248 |
| Return on Equity (ROE) | 15.7588% | 626 |
| Retained earnings to average equity (ytd only) | 11.1662% | 452 |
| Net charge-offs to loans | -0.0022% | 4,711 |
| Credit loss provision to net charge-offs | -9,473.6842% | 5,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9493% | 4,896 |
| Assets per employee ($millions) | 5.8574% | 1,466 |
| Cash dividends to net income (ytd only)* | 29.1432% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 2,630 |
| Loan loss allowance to noncurrent loans | 48.6458% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 4.3524% | 260 |
| Noncurrent loans to loans | 2.8676% | 638 |
| Net loans and leases to total assets | 71.6666% | 2,111 |
| Net loans and leases to deposits | 86.9565% | 2,034 |
| Net loans and leases to core deposits | 94.8412% | 1,995 |
| Total domestic deposits to total assets | 82.4166% | 4,017 |
| Equity capital to assets | 10.9045% | 3,125 |
| Core capital (leverage) ratio | 10.6982% | 2,829 |
| Tier 1 risk-based capital ratio | 12.2289% | 4,937 |
| Total risk-based capital ratio | 13.3685% | 4,922 |
| Memoranda: | ||
| Average total assets | $1,664,585,000 | 439 |
| Average earning assets | $1,406,553,500 | 464 |
| Average equity | $174,187,750 | 462 |
| Average total loans | $1,168,706,500 | 427 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 998 |
| Cost of funding earning assets | 0.7505% | 642 |
| Net interest margin | 3.9911% | 1,661 |
| Noninterest income to average assets | 1.3390% | 685 |
| Noninterest expense to average assets | 2.8210% | 3,158 |
| Loan and lease loss provision to assets | 0.2162% | 880 |
| Net operating income to assets | 1.6662% | 663 |
| Return on assets (ROA) | 1.6955% | 661 |
| Pretax return on assets | 1.6955% | 1,092 |
| Return on Equity (ROE) | 16.4333% | 558 |
| Retained earnings to average equity (ytd only) | 12.9406% | 315 |
| Net charge-offs to loans | -0.0099% | 4,919 |
| Credit loss provision to net charge-offs | -3,157.8947% | 5,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3093% | 5,184 |
| Assets per employee ($millions) | 5.9477% | 1,399 |
| Cash dividends to net income (ytd only)* | 21.2540% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 2,587 |
| Loan loss allowance to noncurrent loans | 49.8378% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 4.1363% | 313 |
| Noncurrent loans to loans | 2.8781% | 707 |
| Net loans and leases to total assets | 68.2850% | 2,605 |
| Net loans and leases to deposits | 82.2425% | 2,524 |
| Net loans and leases to core deposits | 88.7184% | 2,481 |
| Total domestic deposits to total assets | 83.0288% | 3,944 |
| Equity capital to assets | 10.4353% | 3,512 |
| Core capital (leverage) ratio | 10.7958% | 2,616 |
| Tier 1 risk-based capital ratio | 12.2154% | 4,991 |
| Total risk-based capital ratio | 13.3799% | 4,957 |
| Memoranda: | ||
| Average total assets | $1,664,946,670 | 438 |
| Average earning assets | $1,403,512,330 | 468 |
| Average equity | $171,785,000 | 472 |
| Average total loans | $1,155,262,000 | 431 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5008% | 1,457 |
| Cost of funding earning assets | 0.7470% | 669 |
| Net interest margin | 3.7538% | 2,417 |
| Noninterest income to average assets | 0.8566% | 1,538 |
| Noninterest expense to average assets | 2.6591% | 3,724 |
| Loan and lease loss provision to assets | 0.2186% | 810 |
| Net operating income to assets | 1.1328% | 1,750 |
| Return on assets (ROA) | 1.1806% | 1,700 |
| Pretax return on assets | 1.1806% | 2,740 |
| Return on Equity (ROE) | 11.5106% | 1,475 |
| Retained earnings to average equity (ytd only) | 4.4067% | 3,382 |
| Net charge-offs to loans | -0.0108% | 4,753 |
| Credit loss provision to net charge-offs | -2,903.2258% | 5,185 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3290% | 4,427 |
| Assets per employee ($millions) | 5.9064% | 1,464 |
| Cash dividends to net income (ytd only)* | 61.7157% | 1,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3833% | 3,001 |
| Loan loss allowance to noncurrent loans | 63.8788% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 3.7590% | 417 |
| Noncurrent loans to loans | 2.1654% | 1,180 |
| Net loans and leases to total assets | 67.6712% | 2,502 |
| Net loans and leases to deposits | 80.6751% | 2,483 |
| Net loans and leases to core deposits | 91.0131% | 2,032 |
| Total domestic deposits to total assets | 83.8811% | 3,856 |
| Equity capital to assets | 10.1334% | 3,967 |
| Core capital (leverage) ratio | 10.2634% | 3,263 |
| Tier 1 risk-based capital ratio | 11.7792% | 5,389 |
| Total risk-based capital ratio | 12.9002% | 5,374 |
| Memoranda: | ||
| Average total assets | $1,646,895,000 | 442 |
| Average earning assets | $1,383,651,500 | 472 |
| Average equity | $168,923,000 | 481 |
| Average total loans | $1,143,660,000 | 434 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 1,646 |
| Cost of funding earning assets | 0.6695% | 1,270 |
| Net interest margin | 3.8972% | 2,254 |
| Noninterest income to average assets | 1.4083% | 613 |
| Noninterest expense to average assets | 2.9562% | 2,980 |
| Loan and lease loss provision to assets | -0.2268% | 6,313 |
| Net operating income to assets | 1.9514% | 353 |
| Return on assets (ROA) | 1.9688% | 360 |
| Pretax return on assets | 1.9688% | 543 |
| Return on Equity (ROE) | 18.3010% | 369 |
| Retained earnings to average equity (ytd only) | 8.5238% | 821 |
| Net charge-offs to loans | -0.3940% | 6,367 |
| Credit loss provision to net charge-offs | 84.1006% | 2,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1577% | 5,044 |
| Assets per employee ($millions) | 5.6707% | 1,626 |
| Cash dividends to net income (ytd only)* | 53.4243% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 3,275 |
| Loan loss allowance to noncurrent loans | 56.9143% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 3.9487% | 427 |
| Noncurrent loans to loans | 2.3351% | 1,114 |
| Net loans and leases to total assets | 69.3694% | 2,328 |
| Net loans and leases to deposits | 84.4425% | 2,164 |
| Net loans and leases to core deposits | 94.0273% | 1,920 |
| Total domestic deposits to total assets | 82.1498% | 4,365 |
| Equity capital to assets | 10.3863% | 3,623 |
| Core capital (leverage) ratio | 10.4668% | 2,983 |
| Tier 1 risk-based capital ratio | 11.7345% | 5,523 |
| Total risk-based capital ratio | 12.8163% | 5,535 |
| Memoranda: | ||
| Average total assets | $1,473,669,000 | 474 |
| Average earning assets | $1,237,433,200 | 504 |
| Average equity | $158,532,200 | 483 |
| Average total loans | $1,008,874,200 | 454 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 1,920 |
| Cost of funding earning assets | 0.6341% | 1,567 |
| Net interest margin | 3.8536% | 2,420 |
| Noninterest income to average assets | 1.4227% | 620 |
| Noninterest expense to average assets | 3.0006% | 2,796 |
| Loan and lease loss provision to assets | -0.2501% | 6,426 |
| Net operating income to assets | 1.9141% | 407 |
| Return on assets (ROA) | 1.9315% | 406 |
| Pretax return on assets | 1.9315% | 666 |
| Return on Equity (ROE) | 17.7830% | 463 |
| Retained earnings to average equity (ytd only) | 12.2399% | 398 |
| Net charge-offs to loans | -0.6858% | 6,488 |
| Credit loss provision to net charge-offs | 53.6673% | 3,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3531% | 4,835 |
| Assets per employee ($millions) | 5.4892% | 1,736 |
| Cash dividends to net income (ytd only)* | 31.1706% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 2,422 |
| Loan loss allowance to noncurrent loans | 54.6237% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 4.4204% | 418 |
| Noncurrent loans to loans | 2.8711% | 946 |
| Net loans and leases to total assets | 67.8965% | 2,555 |
| Net loans and leases to deposits | 81.4422% | 2,498 |
| Net loans and leases to core deposits | 88.6536% | 2,358 |
| Total domestic deposits to total assets | 83.3677% | 4,010 |
| Equity capital to assets | 10.7487% | 3,240 |
| Core capital (leverage) ratio | 10.9976% | 2,485 |
| Tier 1 risk-based capital ratio | 12.4630% | 5,191 |
| Total risk-based capital ratio | 13.7133% | 5,125 |
| Memoranda: | ||
| Average total assets | $1,439,467,250 | 482 |
| Average earning assets | $1,210,962,500 | 511 |
| Average equity | $156,348,000 | 484 |
| Average total loans | $978,036,750 | 459 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 1,935 |
| Cost of funding earning assets | 0.5994% | 1,903 |
| Net interest margin | 3.8688% | 2,300 |
| Noninterest income to average assets | 1.6987% | 446 |
| Noninterest expense to average assets | 3.0860% | 2,548 |
| Loan and lease loss provision to assets | 0.2565% | 844 |
| Net operating income to assets | 1.5857% | 726 |
| Return on assets (ROA) | 1.6084% | 722 |
| Pretax return on assets | 1.6084% | 1,232 |
| Return on Equity (ROE) | 14.7514% | 832 |
| Retained earnings to average equity (ytd only) | 10.8299% | 562 |
| Net charge-offs to loans | 0.0215% | 3,778 |
| Credit loss provision to net charge-offs | 1,764.7059% | 212 |
| Earnings coverage of net charge-offs (x) | 126.7255% | 473 |
| Efficiency ratio | 60.8346% | 5,167 |
| Assets per employee ($millions) | 5.3169% | 1,861 |
| Cash dividends to net income (ytd only)* | 26.5840% | 2,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 2,582 |
| Loan loss allowance to noncurrent loans | 57.1971% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 4.4532% | 442 |
| Noncurrent loans to loans | 2.7441% | 1,098 |
| Net loans and leases to total assets | 67.6337% | 2,476 |
| Net loans and leases to deposits | 82.1584% | 2,235 |
| Net loans and leases to core deposits | 89.5350% | 2,170 |
| Total domestic deposits to total assets | 82.3211% | 4,539 |
| Equity capital to assets | 10.7202% | 3,179 |
| Core capital (leverage) ratio | 11.2497% | 2,196 |
| Tier 1 risk-based capital ratio | 12.2294% | 5,400 |
| Total risk-based capital ratio | 13.4794% | 5,316 |
| Memoranda: | ||
| Average total assets | $1,403,300,330 | 489 |
| Average earning assets | $1,171,430,000 | 526 |
| Average equity | $153,002,000 | 492 |
| Average total loans | $948,128,330 | 469 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 1,878 |
| Cost of funding earning assets | 0.5908% | 2,057 |
| Net interest margin | 3.8858% | 2,136 |
| Noninterest income to average assets | 1.0242% | 1,073 |
| Noninterest expense to average assets | 3.0550% | 2,680 |
| Loan and lease loss provision to assets | 0.2651% | 788 |
| Net operating income to assets | 0.9473% | 2,416 |
| Return on assets (ROA) | 0.9897% | 2,305 |
| Pretax return on assets | 0.9897% | 3,365 |
| Return on Equity (ROE) | 8.9948% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.9948% | 1,255 |
| Net charge-offs to loans | 0.2130% | 1,478 |
| Credit loss provision to net charge-offs | 185.9504% | 1,103 |
| Earnings coverage of net charge-offs (x) | 8.5041% | 2,015 |
| Efficiency ratio | 69.4623% | 3,921 |
| Assets per employee ($millions) | 5.3513% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 2,790 |
| Loan loss allowance to noncurrent loans | 51.1767% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 5.1013% | 391 |
| Noncurrent loans to loans | 3.0892% | 1,018 |
| Net loans and leases to total assets | 66.8720% | 2,417 |
| Net loans and leases to deposits | 80.3848% | 2,244 |
| Net loans and leases to core deposits | 87.8330% | 2,112 |
| Total domestic deposits to total assets | 83.1898% | 4,535 |
| Equity capital to assets | 11.0339% | 2,688 |
| Core capital (leverage) ratio | 10.9928% | 2,397 |
| Tier 1 risk-based capital ratio | 12.5470% | 5,286 |
| Total risk-based capital ratio | 13.7655% | 5,243 |
| Memoranda: | ||
| Average total assets | $1,357,920,500 | 508 |
| Average earning assets | $1,133,358,000 | 546 |
| Average equity | $149,420,000 | 502 |
| Average total loans | $908,892,000 | 483 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 1,009 |
| Cost of funding earning assets | 0.6527% | 2,184 |
| Net interest margin | 4.2930% | 1,123 |
| Noninterest income to average assets | 0.6831% | 2,636 |
| Noninterest expense to average assets | 3.0917% | 2,762 |
| Loan and lease loss provision to assets | 0.0687% | 3,759 |
| Net operating income to assets | 1.0850% | 1,984 |
| Return on assets (ROA) | 1.1366% | 1,871 |
| Pretax return on assets | 1.1366% | 2,821 |
| Return on Equity (ROE) | 9.9760% | 2,125 |
| Retained earnings to average equity (ytd only) | 2.6047% | 4,400 |
| Net charge-offs to loans | 0.4611% | 1,440 |
| Credit loss provision to net charge-offs | 22.8079% | 4,396 |
| Earnings coverage of net charge-offs (x) | 3.8297% | 3,744 |
| Efficiency ratio | 70.5132% | 3,751 |
| Assets per employee ($millions) | 5.4946% | 1,655 |
| Cash dividends to net income (ytd only)* | 73.8900% | 1,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6386% | 2,615 |
| Loan loss allowance to noncurrent loans | 65.1908% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 4.6613% | 524 |
| Noncurrent loans to loans | 2.5136% | 1,499 |
| Net loans and leases to total assets | 64.8050% | 2,904 |
| Net loans and leases to deposits | 78.5893% | 2,651 |
| Net loans and leases to core deposits | 86.0039% | 2,444 |
| Total domestic deposits to total assets | 82.4603% | 4,721 |
| Equity capital to assets | 10.9723% | 2,633 |
| Core capital (leverage) ratio | 11.4197% | 2,019 |
| Tier 1 risk-based capital ratio | 12.9629% | 4,998 |
| Total risk-based capital ratio | 14.2130% | 4,956 |
| Memoranda: | ||
| Average total assets | $1,309,830,200 | 505 |
| Average earning assets | $1,086,911,000 | 548 |
| Average equity | $149,228,400 | 491 |
| Average total loans | $855,748,600 | 485 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9698% | 996 |
| Cost of funding earning assets | 0.6617% | 2,247 |
| Net interest margin | 4.3081% | 1,076 |
| Noninterest income to average assets | 0.5575% | 3,408 |
| Noninterest expense to average assets | 3.0923% | 2,683 |
| Loan and lease loss provision to assets | -0.0563% | 6,558 |
| Net operating income to assets | 1.0896% | 2,039 |
| Return on assets (ROA) | 1.1547% | 1,867 |
| Pretax return on assets | 1.1547% | 2,876 |
| Return on Equity (ROE) | 10.0404% | 2,159 |
| Retained earnings to average equity (ytd only) | 4.7040% | 3,306 |
| Net charge-offs to loans | 0.1627% | 2,933 |
| Credit loss provision to net charge-offs | -53.0376% | 5,718 |
| Earnings coverage of net charge-offs (x) | 9.7416% | 2,440 |
| Efficiency ratio | 72.5666% | 3,306 |
| Assets per employee ($millions) | 5.5689% | 1,565 |
| Cash dividends to net income (ytd only)* | 53.1491% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8130% | 2,265 |
| Loan loss allowance to noncurrent loans | 54.0612% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 5.3726% | 498 |
| Noncurrent loans to loans | 3.3537% | 1,160 |
| Net loans and leases to total assets | 65.6899% | 2,689 |
| Net loans and leases to deposits | 79.6178% | 2,463 |
| Net loans and leases to core deposits | 87.8716% | 2,207 |
| Total domestic deposits to total assets | 82.5066% | 4,757 |
| Equity capital to assets | 11.3653% | 2,415 |
| Core capital (leverage) ratio | 11.7042% | 1,886 |
| Tier 1 risk-based capital ratio | 13.1628% | 5,007 |
| Total risk-based capital ratio | 14.4146% | 4,954 |
| Memoranda: | ||
| Average total assets | $1,303,489,000 | 508 |
| Average earning assets | $1,079,619,250 | 552 |
| Average equity | $149,910,250 | 495 |
| Average total loans | $849,763,750 | 491 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0710% | 818 |
| Cost of funding earning assets | 0.6698% | 2,319 |
| Net interest margin | 4.4012% | 843 |
| Noninterest income to average assets | 0.8493% | 2,001 |
| Noninterest expense to average assets | 2.9345% | 3,225 |
| Loan and lease loss provision to assets | 0.3918% | 807 |
| Net operating income to assets | 1.1677% | 1,678 |
| Return on assets (ROA) | 1.2290% | 1,622 |
| Pretax return on assets | 1.2290% | 2,565 |
| Return on Equity (ROE) | 10.6439% | 1,948 |
| Retained earnings to average equity (ytd only) | 2.6600% | 4,613 |
| Net charge-offs to loans | 0.2382% | 2,292 |
| Credit loss provision to net charge-offs | 254.4910% | 982 |
| Earnings coverage of net charge-offs (x) | 10.1297% | 2,187 |
| Efficiency ratio | 63.1043% | 5,004 |
| Assets per employee ($millions) | 5.4814% | 1,608 |
| Cash dividends to net income (ytd only)* | 75.0094% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2298% | 1,365 |
| Loan loss allowance to noncurrent loans | 66.1689% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 5.6409% | 513 |
| Noncurrent loans to loans | 3.3699% | 1,277 |
| Net loans and leases to total assets | 64.9822% | 2,760 |
| Net loans and leases to deposits | 78.8548% | 2,475 |
| Net loans and leases to core deposits | 85.5005% | 2,385 |
| Total domestic deposits to total assets | 82.4075% | 4,910 |
| Equity capital to assets | 11.4153% | 2,365 |
| Core capital (leverage) ratio | 11.2776% | 2,103 |
| Tier 1 risk-based capital ratio | 13.2637% | 4,947 |
| Total risk-based capital ratio | 14.5196% | 4,885 |
| Memoranda: | ||
| Average total assets | $1,301,755,330 | 506 |
| Average earning assets | $1,077,981,000 | 552 |
| Average equity | $150,301,670 | 494 |
| Average total loans | $841,168,000 | 494 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6466% | 1,687 |
| Cost of funding earning assets | 0.6814% | 2,374 |
| Net interest margin | 3.9653% | 1,902 |
| Noninterest income to average assets | 1.1061% | 1,211 |
| Noninterest expense to average assets | 2.9058% | 3,321 |
| Loan and lease loss provision to assets | 0.3660% | 877 |
| Net operating income to assets | 1.1183% | 1,789 |
| Return on assets (ROA) | 1.1979% | 1,641 |
| Pretax return on assets | 1.1979% | 2,582 |
| Return on Equity (ROE) | 10.3176% | 1,950 |
| Retained earnings to average equity (ytd only) | -5.4465% | 6,397 |
| Net charge-offs to loans | 0.2370% | 2,028 |
| Credit loss provision to net charge-offs | 242.4242% | 945 |
| Earnings coverage of net charge-offs (x) | 9.8303% | 1,800 |
| Efficiency ratio | 63.9591% | 5,014 |
| Assets per employee ($millions) | 5.5931% | 1,585 |
| Cash dividends to net income (ytd only)* | 152.7884% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 1,640 |
| Loan loss allowance to noncurrent loans | 55.6949% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 5.6962% | 594 |
| Noncurrent loans to loans | 3.9040% | 1,171 |
| Net loans and leases to total assets | 61.3986% | 3,190 |
| Net loans and leases to deposits | 74.2808% | 2,886 |
| Net loans and leases to core deposits | 80.9056% | 2,707 |
| Total domestic deposits to total assets | 82.6575% | 4,969 |
| Equity capital to assets | 11.3347% | 2,596 |
| Core capital (leverage) ratio | 10.6326% | 2,619 |
| Tier 1 risk-based capital ratio | 13.1716% | 5,085 |
| Total risk-based capital ratio | 14.4271% | 5,038 |
| Memoranda: | ||
| Average total assets | $1,311,313,000 | 507 |
| Average earning assets | $1,086,031,000 | 550 |
| Average equity | $152,244,000 | 493 |
| Average total loans | $835,503,500 | 498 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 3,811 |
| Cost of funding earning assets | 0.8622% | 2,200 |
| Net interest margin | 3.5382% | 4,348 |
| Noninterest income to average assets | 0.9405% | 1,737 |
| Noninterest expense to average assets | 3.0035% | 3,260 |
| Loan and lease loss provision to assets | 0.2641% | 2,530 |
| Net operating income to assets | 0.6538% | 3,971 |
| Return on assets (ROA) | 0.8777% | 3,162 |
| Pretax return on assets | 0.8741% | 4,014 |
| Return on Equity (ROE) | 7.9383% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.9383% | 1,146 |
| Net charge-offs to loans | 0.9324% | 1,197 |
| Credit loss provision to net charge-offs | 44.6656% | 4,824 |
| Earnings coverage of net charge-offs (x) | 1.5465% | 4,670 |
| Efficiency ratio | 74.0972% | 3,051 |
| Assets per employee ($millions) | 5.4036% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0898% | 1,795 |
| Loan loss allowance to noncurrent loans | 48.3430% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 6.1477% | 554 |
| Noncurrent loans to loans | 4.3229% | 1,016 |
| Net loans and leases to total assets | 63.3440% | 3,001 |
| Net loans and leases to deposits | 77.8788% | 2,552 |
| Net loans and leases to core deposits | 85.8319% | 2,330 |
| Total domestic deposits to total assets | 81.3367% | 5,298 |
| Equity capital to assets | 11.8939% | 2,116 |
| Core capital (leverage) ratio | 11.3160% | 2,005 |
| Tier 1 risk-based capital ratio | 13.5265% | 4,732 |
| Total risk-based capital ratio | 14.7814% | 4,681 |
| Memoranda: | ||
| Average total assets | $1,325,232,200 | 502 |
| Average earning assets | $1,115,156,800 | 531 |
| Average equity | $146,516,800 | 495 |
| Average total loans | $840,408,000 | 487 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 4,309 |
| Cost of funding earning assets | 0.8896% | 2,243 |
| Net interest margin | 3.4462% | 4,856 |
| Noninterest income to average assets | 0.8361% | 2,090 |
| Noninterest expense to average assets | 3.0512% | 3,054 |
| Loan and lease loss provision to assets | 0.3499% | 1,863 |
| Net operating income to assets | 0.3503% | 5,429 |
| Return on assets (ROA) | 0.6084% | 4,608 |
| Pretax return on assets | 0.6084% | 5,137 |
| Return on Equity (ROE) | 5.6061% | 4,530 |
| Retained earnings to average equity (ytd only) | 5.6061% | 2,958 |
| Net charge-offs to loans | 0.5057% | 2,093 |
| Credit loss provision to net charge-offs | 109.6491% | 2,679 |
| Earnings coverage of net charge-offs (x) | 2.1942% | 4,162 |
| Efficiency ratio | 78.6755% | 2,288 |
| Assets per employee ($millions) | 5.3068% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7050% | 976 |
| Loan loss allowance to noncurrent loans | 49.6876% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 7.9324% | 398 |
| Noncurrent loans to loans | 5.4440% | 793 |
| Net loans and leases to total assets | 61.9103% | 3,396 |
| Net loans and leases to deposits | 75.7111% | 3,028 |
| Net loans and leases to core deposits | 82.1431% | 2,945 |
| Total domestic deposits to total assets | 81.7718% | 5,096 |
| Equity capital to assets | 11.5610% | 2,691 |
| Core capital (leverage) ratio | 10.5051% | 2,905 |
| Tier 1 risk-based capital ratio | 13.2961% | 5,027 |
| Total risk-based capital ratio | 14.5570% | 4,985 |
| Memoranda: | ||
| Average total assets | $1,333,673,000 | 502 |
| Average earning assets | $1,128,248,500 | 534 |
| Average equity | $144,744,500 | 499 |
| Average total loans | $841,627,750 | 490 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 4,575 |
| Cost of funding earning assets | 0.8986% | 2,407 |
| Net interest margin | 3.4017% | 5,082 |
| Noninterest income to average assets | 0.8486% | 1,974 |
| Noninterest expense to average assets | 2.8139% | 3,962 |
| Loan and lease loss provision to assets | 0.4444% | 1,455 |
| Net operating income to assets | 0.4890% | 4,869 |
| Return on assets (ROA) | 0.6210% | 4,525 |
| Pretax return on assets | 0.6210% | 5,065 |
| Return on Equity (ROE) | 5.8424% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.8424% | 2,806 |
| Net charge-offs to loans | 0.3752% | 2,513 |
| Credit loss provision to net charge-offs | 188.2058% | 1,505 |
| Earnings coverage of net charge-offs (x) | 3.9529% | 3,222 |
| Efficiency ratio | 72.4592% | 3,350 |
| Assets per employee ($millions) | 5.4013% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7361% | 1,000 |
| Loan loss allowance to noncurrent loans | 34.5560% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 7.3538% | 505 |
| Noncurrent loans to loans | 7.9177% | 445 |
| Net loans and leases to total assets | 61.8263% | 3,475 |
| Net loans and leases to deposits | 75.0414% | 3,119 |
| Net loans and leases to core deposits | 81.7649% | 2,990 |
| Total domestic deposits to total assets | 82.3896% | 4,987 |
| Equity capital to assets | 10.9944% | 3,128 |
| Core capital (leverage) ratio | 10.2184% | 3,118 |
| Tier 1 risk-based capital ratio | 13.5006% | 4,823 |
| Total risk-based capital ratio | 14.7638% | 4,771 |
| Memoranda: | ||
| Average total assets | $1,350,145,670 | 497 |
| Average earning assets | $1,150,491,000 | 520 |
| Average equity | $143,501,670 | 499 |
| Average total loans | $849,773,330 | 482 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 4,528 |
| Cost of funding earning assets | 0.9151% | 2,568 |
| Net interest margin | 3.4324% | 4,989 |
| Noninterest income to average assets | 0.8388% | 1,987 |
| Noninterest expense to average assets | 2.7187% | 4,361 |
| Loan and lease loss provision to assets | 0.4418% | 1,412 |
| Net operating income to assets | 0.5982% | 4,345 |
| Return on assets (ROA) | 0.6951% | 4,127 |
| Pretax return on assets | 0.6951% | 4,811 |
| Return on Equity (ROE) | 6.6520% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.6520% | 2,606 |
| Net charge-offs to loans | 0.7054% | 1,415 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 2.3540% | 3,231 |
| Efficiency ratio | 69.7226% | 3,862 |
| Assets per employee ($millions) | 5.5405% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6582% | 1,168 |
| Loan loss allowance to noncurrent loans | 31.7227% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 7.5764% | 528 |
| Noncurrent loans to loans | 8.3795% | 441 |
| Net loans and leases to total assets | 58.8025% | 3,903 |
| Net loans and leases to deposits | 71.2604% | 3,543 |
| Net loans and leases to core deposits | 77.9317% | 3,335 |
| Total domestic deposits to total assets | 82.5178% | 5,122 |
| Equity capital to assets | 10.4980% | 3,492 |
| Core capital (leverage) ratio | 9.9341% | 3,450 |
| Tier 1 risk-based capital ratio | 13.6793% | 4,697 |
| Total risk-based capital ratio | 14.9415% | 4,668 |
| Memoranda: | ||
| Average total assets | $1,358,154,000 | 487 |
| Average earning assets | $1,155,346,000 | 520 |
| Average equity | $141,913,000 | 501 |
| Average total loans | $850,637,500 | 481 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0998% | 2,458 |
| Cost of funding earning assets | 0.9993% | 3,389 |
| Net interest margin | 4.1005% | 2,425 |
| Noninterest income to average assets | 1.4777% | 595 |
| Noninterest expense to average assets | 2.7397% | 4,590 |
| Loan and lease loss provision to assets | 2.2044% | 233 |
| Net operating income to assets | 0.0840% | 5,897 |
| Return on assets (ROA) | 0.1728% | 5,811 |
| Pretax return on assets | 0.1746% | 5,846 |
| Return on Equity (ROE) | 1.7561% | 5,747 |
| Retained earnings to average equity (ytd only) | 1.7561% | 4,963 |
| Net charge-offs to loans | 2.9321% | 339 |
| Credit loss provision to net charge-offs | 105.3753% | 3,249 |
| Earnings coverage of net charge-offs (x) | 1.0943% | 4,967 |
| Efficiency ratio | 52.5869% | 6,655 |
| Assets per employee ($millions) | 5.6152% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4733% | 1,354 |
| Loan loss allowance to noncurrent loans | 33.3231% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 7.3833% | 601 |
| Noncurrent loans to loans | 7.4223% | 577 |
| Net loans and leases to total assets | 63.2491% | 3,341 |
| Net loans and leases to deposits | 76.0918% | 3,164 |
| Net loans and leases to core deposits | 84.8008% | 2,771 |
| Total domestic deposits to total assets | 83.1221% | 4,701 |
| Equity capital to assets | 10.4000% | 3,656 |
| Core capital (leverage) ratio | 9.5204% | 3,992 |
| Tier 1 risk-based capital ratio | 12.8234% | 5,223 |
| Total risk-based capital ratio | 14.0845% | 5,190 |
| Memoranda: | ||
| Average total assets | $1,442,412,200 | 466 |
| Average earning assets | $1,249,235,200 | 475 |
| Average equity | $141,960,200 | 489 |
| Average total loans | $1,029,135,200 | 413 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 2,425 |
| Cost of funding earning assets | 1.0074% | 3,628 |
| Net interest margin | 4.1327% | 2,343 |
| Noninterest income to average assets | 2.0394% | 371 |
| Noninterest expense to average assets | 2.4693% | 5,567 |
| Loan and lease loss provision to assets | 2.6765% | 150 |
| Net operating income to assets | 0.4836% | 4,607 |
| Return on assets (ROA) | 0.5624% | 4,429 |
| Pretax return on assets | 0.5646% | 4,916 |
| Return on Equity (ROE) | 5.7903% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.7903% | 2,684 |
| Net charge-offs to loans | 2.1082% | 583 |
| Credit loss provision to net charge-offs | 174.2600% | 1,709 |
| Earnings coverage of net charge-offs (x) | 2.0589% | 4,115 |
| Efficiency ratio | 42.1822% | 7,202 |
| Assets per employee ($millions) | 5.8790% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7001% | 490 |
| Loan loss allowance to noncurrent loans | 48.4987% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 6.9473% | 713 |
| Noncurrent loans to loans | 7.6292% | 607 |
| Net loans and leases to total assets | 60.3056% | 4,078 |
| Net loans and leases to deposits | 73.4807% | 3,728 |
| Net loans and leases to core deposits | 84.1313% | 3,048 |
| Total domestic deposits to total assets | 82.0699% | 5,067 |
| Equity capital to assets | 10.3006% | 3,950 |
| Core capital (leverage) ratio | 9.4539% | 4,220 |
| Tier 1 risk-based capital ratio | 13.1824% | 4,958 |
| Total risk-based capital ratio | 14.4568% | 4,925 |
| Memoranda: | ||
| Average total assets | $1,463,293,250 | 455 |
| Average earning assets | $1,271,968,500 | 474 |
| Average equity | $142,119,250 | 499 |
| Average total loans | $1,066,098,750 | 399 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2187% | 2,193 |
| Cost of funding earning assets | 1.0137% | 3,860 |
| Net interest margin | 4.2050% | 2,014 |
| Noninterest income to average assets | 1.0368% | 1,232 |
| Noninterest expense to average assets | 2.4569% | 5,672 |
| Loan and lease loss provision to assets | 1.4722% | 485 |
| Net operating income to assets | 0.7676% | 3,214 |
| Return on assets (ROA) | 0.8212% | 3,093 |
| Pretax return on assets | 0.8243% | 3,933 |
| Return on Equity (ROE) | 8.6213% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.6213% | 1,228 |
| Net charge-offs to loans | 1.8303% | 754 |
| Credit loss provision to net charge-offs | 105.6918% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.6102% | 4,085 |
| Efficiency ratio | 50.3046% | 6,918 |
| Assets per employee ($millions) | 6.0806% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 2,576 |
| Loan loss allowance to noncurrent loans | 25.3994% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 7.2483% | 684 |
| Noncurrent loans to loans | 7.5987% | 624 |
| Net loans and leases to total assets | 71.3988% | 1,908 |
| Net loans and leases to deposits | 85.5845% | 1,843 |
| Net loans and leases to core deposits | 100.1315% | 1,332 |
| Total domestic deposits to total assets | 83.4249% | 4,573 |
| Equity capital to assets | 9.7529% | 4,458 |
| Core capital (leverage) ratio | 9.2623% | 4,311 |
| Tier 1 risk-based capital ratio | 11.1107% | 6,441 |
| Total risk-based capital ratio | 12.3665% | 6,433 |
| Memoranda: | ||
| Average total assets | $1,480,739,000 | 458 |
| Average earning assets | $1,289,890,000 | 477 |
| Average equity | $141,046,670 | 506 |
| Average total loans | $1,126,939,000 | 388 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3382% | 1,757 |
| Cost of funding earning assets | 1.0507% | 3,848 |
| Net interest margin | 4.2876% | 1,597 |
| Noninterest income to average assets | 0.8654% | 1,793 |
| Noninterest expense to average assets | 2.5889% | 5,272 |
| Loan and lease loss provision to assets | 0.8095% | 1,040 |
| Net operating income to assets | 1.1992% | 1,523 |
| Return on assets (ROA) | 1.2453% | 1,450 |
| Pretax return on assets | 1.2505% | 2,197 |
| Return on Equity (ROE) | 13.2314% | 1,143 |
| Retained earnings to average equity (ytd only) | 13.2314% | 556 |
| Net charge-offs to loans | 0.2554% | 3,052 |
| Credit loss provision to net charge-offs | 407.6087% | 827 |
| Earnings coverage of net charge-offs (x) | 10.1399% | 1,655 |
| Efficiency ratio | 54.2358% | 6,671 |
| Assets per employee ($millions) | 6.2821% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9627% | 2,506 |
| Loan loss allowance to noncurrent loans | 23.0711% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 7.8113% | 619 |
| Noncurrent loans to loans | 8.5070% | 549 |
| Net loans and leases to total assets | 74.6529% | 1,240 |
| Net loans and leases to deposits | 89.6675% | 1,270 |
| Net loans and leases to core deposits | 104.5735% | 1,022 |
| Total domestic deposits to total assets | 83.2553% | 4,817 |
| Equity capital to assets | 9.4448% | 4,509 |
| Core capital (leverage) ratio | 8.9719% | 4,656 |
| Tier 1 risk-based capital ratio | 10.4156% | 6,855 |
| Total risk-based capital ratio | 11.6721% | 6,837 |
| Memoranda: | ||
| Average total assets | $1,482,315,500 | 459 |
| Average earning assets | $1,292,111,000 | 483 |
| Average equity | $139,516,500 | 504 |
| Average total loans | $1,152,538,500 | 382 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4714% | 2,393 |
| Cost of funding earning assets | 1.4552% | 2,928 |
| Net interest margin | 4.0162% | 2,954 |
| Noninterest income to average assets | 0.6193% | 3,344 |
| Noninterest expense to average assets | 2.6428% | 5,253 |
| Loan and lease loss provision to assets | 1.3149% | 1,159 |
| Net operating income to assets | 0.2218% | 5,212 |
| Return on assets (ROA) | 0.2829% | 5,159 |
| Pretax return on assets | 0.2860% | 5,268 |
| Return on Equity (ROE) | 2.9141% | 4,989 |
| Retained earnings to average equity (ytd only) | 0.5990% | 5,282 |
| Net charge-offs to loans | 1.7507% | 1,223 |
| Credit loss provision to net charge-offs | 95.5980% | 4,868 |
| Earnings coverage of net charge-offs (x) | 1.1190% | 4,988 |
| Efficiency ratio | 60.8301% | 5,921 |
| Assets per employee ($millions) | 6.1222% | 1,133 |
| Cash dividends to net income (ytd only)* | 79.4439% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 3,083 |
| Loan loss allowance to noncurrent loans | 20.0826% | 6,809 |
| Noncurrent assets plus other real estate owned to assets | 8.1235% | 605 |
| Noncurrent loans to loans | 8.6470% | 556 |
| Net loans and leases to total assets | 78.0208% | 943 |
| Net loans and leases to deposits | 96.0495% | 865 |
| Net loans and leases to core deposits | 106.9965% | 1,127 |
| Total domestic deposits to total assets | 81.2298% | 5,445 |
| Equity capital to assets | 9.3785% | 4,571 |
| Core capital (leverage) ratio | 8.9377% | 4,639 |
| Tier 1 risk-based capital ratio | 9.9454% | 7,003 |
| Total risk-based capital ratio | 11.1995% | 6,991 |
| Memoranda: | ||
| Average total assets | $1,423,669,000 | 474 |
| Average earning assets | $1,262,922,800 | 486 |
| Average equity | $138,226,600 | 499 |
| Average total loans | $1,118,536,200 | 399 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4795% | 2,524 |
| Cost of funding earning assets | 1.5371% | 2,741 |
| Net interest margin | 3.9425% | 3,349 |
| Noninterest income to average assets | 0.5763% | 3,603 |
| Noninterest expense to average assets | 2.5861% | 5,377 |
| Loan and lease loss provision to assets | 0.5464% | 2,765 |
| Net operating income to assets | 0.9612% | 2,367 |
| Return on assets (ROA) | 0.9891% | 2,391 |
| Pretax return on assets | 0.9891% | 3,221 |
| Return on Equity (ROE) | 10.0982% | 2,088 |
| Retained earnings to average equity (ytd only) | 7.0172% | 1,835 |
| Net charge-offs to loans | 0.9231% | 2,153 |
| Credit loss provision to net charge-offs | 75.5509% | 5,265 |
| Earnings coverage of net charge-offs (x) | 2.0845% | 4,163 |
| Efficiency ratio | 60.7561% | 5,828 |
| Assets per employee ($millions) | 5.9072% | 1,298 |
| Cash dividends to net income (ytd only)* | 30.5111% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 3,283 |
| Loan loss allowance to noncurrent loans | 30.8254% | 6,286 |
| Noncurrent assets plus other real estate owned to assets | 5.8823% | 1,023 |
| Noncurrent loans to loans | 5.3937% | 1,247 |
| Net loans and leases to total assets | 78.6302% | 938 |
| Net loans and leases to deposits | 94.4291% | 1,153 |
| Net loans and leases to core deposits | 106.9228% | 1,243 |
| Total domestic deposits to total assets | 83.2690% | 4,474 |
| Equity capital to assets | 10.2187% | 3,856 |
| Core capital (leverage) ratio | 9.4367% | 4,006 |
| Tier 1 risk-based capital ratio | 10.4728% | 6,793 |
| Total risk-based capital ratio | 11.7260% | 6,784 |
| Memoranda: | ||
| Average total assets | $1,413,782,500 | 470 |
| Average earning assets | $1,261,345,250 | 478 |
| Average equity | $138,476,250 | 492 |
| Average total loans | $1,107,723,500 | 405 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4657% | 2,680 |
| Cost of funding earning assets | 1.6214% | 2,542 |
| Net interest margin | 3.8442% | 3,693 |
| Noninterest income to average assets | 0.5076% | 4,050 |
| Noninterest expense to average assets | 2.6547% | 5,105 |
| Loan and lease loss provision to assets | 0.3127% | 3,876 |
| Net operating income to assets | 0.9863% | 2,250 |
| Return on assets (ROA) | 1.0266% | 2,174 |
| Pretax return on assets | 1.0266% | 3,020 |
| Return on Equity (ROE) | 10.6390% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.6390% | 721 |
| Net charge-offs to loans | 0.1470% | 4,762 |
| Credit loss provision to net charge-offs | 273.4745% | 1,367 |
| Earnings coverage of net charge-offs (x) | 11.3611% | 1,769 |
| Efficiency ratio | 64.7135% | 5,202 |
| Assets per employee ($millions) | 5.6729% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0326% | 2,110 |
| Loan loss allowance to noncurrent loans | 42.0605% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 5.5176% | 1,117 |
| Noncurrent loans to loans | 4.8326% | 1,458 |
| Net loans and leases to total assets | 76.8429% | 1,322 |
| Net loans and leases to deposits | 92.0393% | 1,523 |
| Net loans and leases to core deposits | 102.9538% | 1,738 |
| Total domestic deposits to total assets | 83.4892% | 4,346 |
| Equity capital to assets | 10.3309% | 3,612 |
| Core capital (leverage) ratio | 9.2328% | 4,246 |
| Tier 1 risk-based capital ratio | 10.7710% | 6,468 |
| Total risk-based capital ratio | 12.0280% | 6,451 |
| Memoranda: | ||
| Average total assets | $1,404,589,000 | 474 |
| Average earning assets | $1,259,131,000 | 476 |
| Average equity | $135,538,670 | 496 |
| Average total loans | $1,092,795,330 | 419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4182% | 2,952 |
| Cost of funding earning assets | 1.6621% | 2,587 |
| Net interest margin | 3.7561% | 3,973 |
| Noninterest income to average assets | 0.3597% | 5,261 |
| Noninterest expense to average assets | 2.4232% | 6,003 |
| Loan and lease loss provision to assets | 0.1704% | 4,827 |
| Net operating income to assets | 1.1443% | 1,692 |
| Return on assets (ROA) | 1.1620% | 1,723 |
| Pretax return on assets | 1.1620% | 2,502 |
| Return on Equity (ROE) | 12.4834% | 1,375 |
| Retained earnings to average equity (ytd only) | 12.4834% | 683 |
| Net charge-offs to loans | 0.1207% | 4,248 |
| Credit loss provision to net charge-offs | 182.3171% | 2,007 |
| Earnings coverage of net charge-offs (x) | 14.0640% | 1,457 |
| Efficiency ratio | 62.2570% | 5,783 |
| Assets per employee ($millions) | 6.0854% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 2,294 |
| Loan loss allowance to noncurrent loans | 38.6052% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 5.4491% | 1,137 |
| Noncurrent loans to loans | 5.0657% | 1,420 |
| Net loans and leases to total assets | 72.8369% | 2,250 |
| Net loans and leases to deposits | 86.2997% | 2,530 |
| Net loans and leases to core deposits | 98.9041% | 2,247 |
| Total domestic deposits to total assets | 84.3999% | 3,952 |
| Equity capital to assets | 9.5887% | 4,389 |
| Core capital (leverage) ratio | 9.3056% | 4,045 |
| Tier 1 risk-based capital ratio | 10.6965% | 6,444 |
| Total risk-based capital ratio | 11.9528% | 6,428 |
| Memoranda: | ||
| Average total assets | $1,403,448,000 | 488 |
| Average earning assets | $1,262,265,000 | 489 |
| Average equity | $130,637,000 | 520 |
| Average total loans | $1,087,437,500 | 435 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9964% | 1,887 |
| Cost of funding earning assets | 2.1179% | 2,379 |
| Net interest margin | 3.8785% | 3,356 |
| Noninterest income to average assets | 5.5642% | 126 |
| Noninterest expense to average assets | 2.5357% | 6,007 |
| Loan and lease loss provision to assets | 2.3702% | 856 |
| Net operating income to assets | 4.2147% | 36 |
| Return on assets (ROA) | 3.4066% | 47 |
| Pretax return on assets | 3.4066% | 69 |
| Return on Equity (ROE) | 35.1447% | 27 |
| Retained earnings to average equity (ytd only) | 23.1374% | 28 |
| Net charge-offs to loans | 1.6083% | 1,570 |
| Credit loss provision to net charge-offs | 184.8483% | 2,207 |
| Earnings coverage of net charge-offs (x) | 5.1354% | 2,681 |
| Efficiency ratio | 26.8034% | 7,952 |
| Assets per employee ($millions) | 5.6080% | 1,550 |
| Cash dividends to net income (ytd only)* | 34.1655% | 3,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9383% | 2,175 |
| Loan loss allowance to noncurrent loans | 41.3154% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 5.7931% | 988 |
| Noncurrent loans to loans | 4.6914% | 1,498 |
| Net loans and leases to total assets | 79.4081% | 1,118 |
| Net loans and leases to deposits | 93.4832% | 1,664 |
| Net loans and leases to core deposits | 133.0667% | 1,110 |
| Total domestic deposits to total assets | 84.9437% | 3,572 |
| Equity capital to assets | 9.0014% | 5,146 |
| Core capital (leverage) ratio | 8.4579% | 5,350 |
| Tier 1 risk-based capital ratio | 9.2973% | 7,331 |
| Total risk-based capital ratio | 10.5538% | 7,320 |
| Memoranda: | ||
| Average total assets | $1,202,871,600 | 557 |
| Average earning assets | $1,102,990,600 | 550 |
| Average equity | $116,595,000 | 565 |
| Average total loans | $959,042,400 | 496 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8815% | 2,525 |
| Cost of funding earning assets | 2.2237% | 2,295 |
| Net interest margin | 3.6578% | 4,242 |
| Noninterest income to average assets | 7.3685% | 101 |
| Noninterest expense to average assets | 2.5443% | 5,918 |
| Loan and lease loss provision to assets | 3.2420% | 426 |
| Net operating income to assets | 4.9329% | 30 |
| Return on assets (ROA) | 3.7514% | 40 |
| Pretax return on assets | 3.7514% | 58 |
| Return on Equity (ROE) | 37.9255% | 29 |
| Retained earnings to average equity (ytd only) | 21.7757% | 43 |
| Net charge-offs to loans | 1.0832% | 1,840 |
| Credit loss provision to net charge-offs | 377.0803% | 1,069 |
| Earnings coverage of net charge-offs (x) | 9.5083% | 2,098 |
| Efficiency ratio | 23.2386% | 8,043 |
| Assets per employee ($millions) | 5.3289% | 1,760 |
| Cash dividends to net income (ytd only)* | 42.5830% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7575% | 827 |
| Loan loss allowance to noncurrent loans | 47.2885% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 6.4477% | 782 |
| Noncurrent loans to loans | 5.8313% | 1,035 |
| Net loans and leases to total assets | 80.4944% | 1,087 |
| Net loans and leases to deposits | 96.4040% | 1,521 |
| Net loans and leases to core deposits | 135.4931% | 1,124 |
| Total domestic deposits to total assets | 83.4970% | 3,964 |
| Equity capital to assets | 9.0271% | 5,446 |
| Core capital (leverage) ratio | 8.0905% | 6,198 |
| Tier 1 risk-based capital ratio | 9.0332% | 7,609 |
| Total risk-based capital ratio | 10.2994% | 7,611 |
| Memoranda: | ||
| Average total assets | $1,168,509,750 | 584 |
| Average earning assets | $1,070,371,500 | 579 |
| Average equity | $115,581,750 | 579 |
| Average total loans | $927,463,250 | 529 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0775% | 1,864 |
| Cost of funding earning assets | 2.2962% | 2,369 |
| Net interest margin | 3.7813% | 3,632 |
| Noninterest income to average assets | 10.2866% | 75 |
| Noninterest expense to average assets | 2.4587% | 6,268 |
| Loan and lease loss provision to assets | 1.7055% | 982 |
| Net operating income to assets | 9.5695% | 15 |
| Return on assets (ROA) | 9.6829% | 16 |
| Pretax return on assets | 9.6829% | 22 |
| Return on Equity (ROE) | 94.8249% | 8 |
| Retained earnings to average equity (ytd only) | 94.8249% | 6 |
| Net charge-offs to loans | 0.2513% | 3,945 |
| Credit loss provision to net charge-offs | 868.8172% | 550 |
| Earnings coverage of net charge-offs (x) | 57.4373% | 621 |
| Efficiency ratio | 17.9026% | 8,149 |
| Assets per employee ($millions) | 6.7291% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6072% | 2,705 |
| Loan loss allowance to noncurrent loans | 29.0801% | 6,559 |
| Noncurrent assets plus other real estate owned to assets | 5.1969% | 994 |
| Noncurrent loans to loans | 5.5268% | 1,050 |
| Net loans and leases to total assets | 75.9536% | 2,190 |
| Net loans and leases to deposits | 95.2093% | 1,920 |
| Net loans and leases to core deposits | 126.2641% | 1,843 |
| Total domestic deposits to total assets | 79.7754% | 5,542 |
| Equity capital to assets | 11.0427% | 2,876 |
| Core capital (leverage) ratio | 11.8583% | 1,901 |
| Tier 1 risk-based capital ratio | 12.5001% | 4,519 |
| Total risk-based capital ratio | 13.7530% | 4,442 |
| Memoranda: | ||
| Average total assets | $1,137,032,330 | 606 |
| Average earning assets | $1,036,512,330 | 602 |
| Average equity | $116,106,670 | 584 |
| Average total loans | $888,142,330 | 563 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3548% | 1,169 |
| Cost of funding earning assets | 2.4899% | 1,957 |
| Net interest margin | 3.8650% | 3,202 |
| Noninterest income to average assets | 10.0319% | 67 |
| Noninterest expense to average assets | 2.2891% | 6,573 |
| Loan and lease loss provision to assets | 0.6150% | 2,048 |
| Net operating income to assets | 10.7731% | 16 |
| Return on assets (ROA) | 10.7731% | 17 |
| Pretax return on assets | 10.7731% | 19 |
| Return on Equity (ROE) | 111.3086% | 9 |
| Retained earnings to average equity (ytd only) | 111.3086% | 7 |
| Net charge-offs to loans | -0.0029% | 7,131 |
| Credit loss provision to net charge-offs | -26,633.3333% | 6,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.7365% | 8,198 |
| Assets per employee ($millions) | 4.0995% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 5,970 |
| Loan loss allowance to noncurrent loans | 28.3695% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 3.3802% | 1,612 |
| Noncurrent loans to loans | 3.6213% | 1,734 |
| Net loans and leases to total assets | 78.5026% | 1,698 |
| Net loans and leases to deposits | 105.0947% | 932 |
| Net loans and leases to core deposits | 142.4424% | 988 |
| Total domestic deposits to total assets | 74.6970% | 6,768 |
| Equity capital to assets | 10.4249% | 3,543 |
| Core capital (leverage) ratio | 9.9943% | 3,420 |
| Tier 1 risk-based capital ratio | 12.0682% | 4,905 |
| Total risk-based capital ratio | 13.0120% | 5,079 |
| Memoranda: | ||
| Average total assets | $1,039,368,500 | 668 |
| Average earning assets | $980,295,500 | 640 |
| Average equity | $100,596,000 | 669 |
| Average total loans | $817,961,000 | 603 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2438% | 4,279 |
| Cost of funding earning assets | 2.9746% | 1,964 |
| Net interest margin | 3.2692% | 6,143 |
| Noninterest income to average assets | 0.5430% | 4,287 |
| Noninterest expense to average assets | 2.1650% | 7,074 |
| Loan and lease loss provision to assets | 1.0856% | 1,337 |
| Net operating income to assets | 0.4025% | 5,137 |
| Return on assets (ROA) | 0.4763% | 4,662 |
| Pretax return on assets | 0.4817% | 5,027 |
| Return on Equity (ROE) | 5.1328% | 4,319 |
| Retained earnings to average equity (ytd only) | 0.1398% | 5,143 |
| Net charge-offs to loans | 0.7929% | 1,571 |
| Credit loss provision to net charge-offs | 174.2191% | 2,920 |
| Earnings coverage of net charge-offs (x) | 2.3957% | 4,883 |
| Efficiency ratio | 59.1880% | 6,499 |
| Assets per employee ($millions) | 6.4275% | 913 |
| Cash dividends to net income (ytd only)* | 97.2755% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 5,088 |
| Loan loss allowance to noncurrent loans | 32.2620% | 6,574 |
| Noncurrent assets plus other real estate owned to assets | 3.3575% | 1,342 |
| Noncurrent loans to loans | 3.4906% | 1,449 |
| Net loans and leases to total assets | 77.0191% | 2,370 |
| Net loans and leases to deposits | 101.1776% | 1,679 |
| Net loans and leases to core deposits | 160.8073% | 559 |
| Total domestic deposits to total assets | 76.1227% | 6,208 |
| Equity capital to assets | 8.7130% | 5,790 |
| Core capital (leverage) ratio | 8.9479% | 4,816 |
| Tier 1 risk-based capital ratio | 9.9484% | 6,797 |
| Total risk-based capital ratio | 10.9475% | 6,992 |
| Memoranda: | ||
| Average total assets | $832,246,000 | 815 |
| Average earning assets | $792,941,400 | 777 |
| Average equity | $77,228,600 | 861 |
| Average total loans | $654,071,800 | 726 |