Home > River City Bank > Performance and Condition Ratios
River City Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 3,837 |
| Cost of funding earning assets | 1.2128% | 2,768 |
| Net interest margin | 2.8693% | 3,540 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 0.8093% | 4,517 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.3355% | 1,357 |
| Return on assets (ROA) | 1.3355% | 1,329 |
| Pretax return on assets | 1.8870% | 787 |
| Return on Equity (ROE) | 15.6500% | 1,163 |
| Retained earnings to average equity (ytd only) | 15.1127% | 317 |
| Net charge-offs to loans | -0.0011% | 3,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 27.2035% | 4,506 |
| Assets per employee ($millions) | 34.2502% | 41 |
| Cash dividends to net income (ytd only)* | 3.4639% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6699% | 160 |
| Loan loss allowance to noncurrent loans | 640,340.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,863 |
| Noncurrent loans to loans | 0.0004% | 3,809 |
| Net loans and leases to total assets | 71.0000% | 1,703 |
| Net loans and leases to deposits | 81.0412% | 2,028 |
| Net loans and leases to core deposits | 107.6904% | 1,048 |
| Total domestic deposits to total assets | 87.6000% | 1,487 |
| Equity capital to assets | 8.4697% | 3,076 |
| Core capital (leverage) ratio | 8.2315% | 4,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1676% | 2,186 |
| Memoranda: | ||
| Average total assets | $4,517,925,400 | 294 |
| Average earning assets | $4,251,438,800 | 285 |
| Average equity | $385,418,800 | 325 |
| Average total loans | $3,324,351,800 | 275 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8775% | 4,028 |
| Cost of funding earning assets | 0.9480% | 3,161 |
| Net interest margin | 2.9295% | 3,481 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 0.8223% | 4,539 |
| Loan and lease loss provision to assets | 0.3800% | 220 |
| Net operating income to assets | 1.3159% | 1,512 |
| Return on assets (ROA) | 1.3159% | 1,495 |
| Pretax return on assets | 1.8622% | 910 |
| Return on Equity (ROE) | 15.3900% | 1,376 |
| Retained earnings to average equity (ytd only) | 14.8407% | 578 |
| Net charge-offs to loans | -0.0007% | 3,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 26.8322% | 4,532 |
| Assets per employee ($millions) | 35.4217% | 39 |
| Cash dividends to net income (ytd only)* | 3.5967% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8076% | 147 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 67.5200% | 2,108 |
| Net loans and leases to deposits | 78.6329% | 2,182 |
| Net loans and leases to core deposits | 100.8020% | 1,276 |
| Total domestic deposits to total assets | 85.8600% | 2,243 |
| Equity capital to assets | 8.2344% | 2,895 |
| Core capital (leverage) ratio | 8.6014% | 4,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1961% | 2,203 |
| Memoranda: | ||
| Average total assets | $4,414,399,500 | 301 |
| Average earning assets | $4,148,445,250 | 291 |
| Average equity | $377,341,000 | 330 |
| Average total loans | $3,256,045,500 | 283 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7082% | 4,135 |
| Cost of funding earning assets | 0.8253% | 3,145 |
| Net interest margin | 2.8829% | 3,675 |
| Noninterest income to average assets | 0.3400% | 2,832 |
| Noninterest expense to average assets | 0.8617% | 4,569 |
| Loan and lease loss provision to assets | 0.3800% | 226 |
| Net operating income to assets | 1.2855% | 1,604 |
| Return on assets (ROA) | 1.2855% | 1,591 |
| Pretax return on assets | 1.8177% | 983 |
| Return on Equity (ROE) | 14.8300% | 1,501 |
| Retained earnings to average equity (ytd only) | 14.2595% | 652 |
| Net charge-offs to loans | -0.0011% | 3,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 28.1939% | 4,554 |
| Assets per employee ($millions) | 32.0915% | 42 |
| Cash dividends to net income (ytd only)* | 3.8340% | 2,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7907% | 156 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 73.4500% | 1,356 |
| Net loans and leases to deposits | 88.5117% | 1,300 |
| Net loans and leases to core deposits | 109.8292% | 833 |
| Total domestic deposits to total assets | 82.9800% | 3,053 |
| Equity capital to assets | 8.8078% | 2,653 |
| Core capital (leverage) ratio | 9.2692% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9655% | 2,313 |
| Memoranda: | ||
| Average total assets | $4,244,662,667 | 299 |
| Average earning assets | $3,995,515,333 | 289 |
| Average equity | $367,978,000 | 327 |
| Average total loans | $3,201,279,667 | 281 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6012% | 4,151 |
| Cost of funding earning assets | 0.6835% | 3,105 |
| Net interest margin | 2.9177% | 3,764 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 0.9180% | 4,637 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.2312% | 1,849 |
| Return on assets (ROA) | 1.2312% | 1,818 |
| Pretax return on assets | 1.7380% | 1,198 |
| Return on Equity (ROE) | 14.3200% | 1,707 |
| Retained earnings to average equity (ytd only) | 13.7403% | 973 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 32.7927% | 4,583 |
| Assets per employee ($millions) | 33.8141% | 39 |
| Cash dividends to net income (ytd only)* | 4.0602% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6906% | 182 |
| Loan loss allowance to noncurrent loans | 8,551,300.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,958 |
| Noncurrent loans to loans | 0.0000% | 3,888 |
| Net loans and leases to total assets | 71.4600% | 1,479 |
| Net loans and leases to deposits | 89.8865% | 1,057 |
| Net loans and leases to core deposits | 100.9487% | 1,046 |
| Total domestic deposits to total assets | 79.5000% | 3,833 |
| Equity capital to assets | 8.4679% | 2,920 |
| Core capital (leverage) ratio | 9.2585% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7213% | 2,489 |
| Memoranda: | ||
| Average total assets | $4,184,774,000 | 314 |
| Average earning assets | $3,942,917,500 | 303 |
| Average equity | $359,760,500 | 345 |
| Average total loans | $3,153,053,500 | 289 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3355% | 3,505 |
| Cost of funding earning assets | 0.5185% | 1,275 |
| Net interest margin | 2.8170% | 3,858 |
| Noninterest income to average assets | 0.5200% | 1,990 |
| Noninterest expense to average assets | 0.8435% | 4,662 |
| Loan and lease loss provision to assets | 0.4800% | 126 |
| Net operating income to assets | 1.3389% | 1,316 |
| Return on assets (ROA) | 1.2574% | 1,521 |
| Pretax return on assets | 1.7648% | 793 |
| Return on Equity (ROE) | 14.5600% | 1,379 |
| Retained earnings to average equity (ytd only) | 13.9606% | 392 |
| Net charge-offs to loans | -0.0212% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 26.3970% | 4,670 |
| Assets per employee ($millions) | 30.8500% | 44 |
| Cash dividends to net income (ytd only)* | 4.0984% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6860% | 176 |
| Loan loss allowance to noncurrent loans | 8,401,300.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,975 |
| Noncurrent loans to loans | 0.0000% | 3,913 |
| Net loans and leases to total assets | 75.3200% | 1,085 |
| Net loans and leases to deposits | 88.4242% | 1,145 |
| Net loans and leases to core deposits | 92.9887% | 1,345 |
| Total domestic deposits to total assets | 85.1800% | 2,945 |
| Equity capital to assets | 8.7351% | 2,538 |
| Core capital (leverage) ratio | 8.6832% | 3,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4186% | 2,603 |
| Memoranda: | ||
| Average total assets | $3,803,200,000 | 328 |
| Average earning assets | $3,610,928,600 | 313 |
| Average equity | $328,517,800 | 363 |
| Average total loans | $2,885,807,000 | 289 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1704% | 3,502 |
| Cost of funding earning assets | 0.4934% | 772 |
| Net interest margin | 2.6770% | 3,974 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 0.8449% | 4,696 |
| Loan and lease loss provision to assets | 0.4100% | 134 |
| Net operating income to assets | 1.4047% | 1,081 |
| Return on assets (ROA) | 1.2944% | 1,334 |
| Pretax return on assets | 1.8286% | 690 |
| Return on Equity (ROE) | 15.0300% | 1,168 |
| Retained earnings to average equity (ytd only) | 14.4226% | 415 |
| Net charge-offs to loans | -0.0245% | 4,063 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 26.2438% | 4,706 |
| Assets per employee ($millions) | 30.9372% | 44 |
| Cash dividends to net income (ytd only)* | 4.0420% | 2,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5626% | 220 |
| Loan loss allowance to noncurrent loans | 103,945.9459% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,013 |
| Noncurrent loans to loans | 0.0025% | 3,954 |
| Net loans and leases to total assets | 73.8600% | 1,113 |
| Net loans and leases to deposits | 86.8673% | 1,119 |
| Net loans and leases to core deposits | 89.5452% | 1,325 |
| Total domestic deposits to total assets | 85.0200% | 3,280 |
| Equity capital to assets | 8.5921% | 2,484 |
| Core capital (leverage) ratio | 8.9929% | 3,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2505% | 2,731 |
| Memoranda: | ||
| Average total assets | $3,743,663,750 | 329 |
| Average earning assets | $3,567,067,000 | 317 |
| Average equity | $322,393,750 | 374 |
| Average total loans | $2,825,295,250 | 287 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0623% | 3,396 |
| Cost of funding earning assets | 0.4831% | 578 |
| Net interest margin | 2.5792% | 3,943 |
| Noninterest income to average assets | 0.9426% | 764 |
| Noninterest expense to average assets | 0.8331% | 4,718 |
| Loan and lease loss provision to assets | 0.4184% | 137 |
| Net operating income to assets | 1.5482% | 621 |
| Return on assets (ROA) | 1.3795% | 937 |
| Pretax return on assets | 1.9520% | 422 |
| Return on Equity (ROE) | 16.0054% | 700 |
| Retained earnings to average equity (ytd only) | 15.3866% | 235 |
| Net charge-offs to loans | -0.0326% | 4,073 |
| Credit loss provision to net charge-offs | -1,702.8825% | 3,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3807% | 4,741 |
| Assets per employee ($millions) | 30.0643% | 44 |
| Cash dividends to net income (ytd only)* | 3.8659% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5399% | 247 |
| Loan loss allowance to noncurrent loans | 94,968.8312% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,054 |
| Noncurrent loans to loans | 0.0027% | 3,993 |
| Net loans and leases to total assets | 74.0716% | 915 |
| Net loans and leases to deposits | 86.6523% | 932 |
| Net loans and leases to core deposits | 87.3872% | 1,248 |
| Total domestic deposits to total assets | 85.4814% | 3,374 |
| Equity capital to assets | 8.6388% | 2,662 |
| Core capital (leverage) ratio | 9.0590% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4865% | 2,682 |
| Memoranda: | ||
| Average total assets | $3,671,564,333 | 329 |
| Average earning assets | $3,522,420,000 | 319 |
| Average equity | $316,443,667 | 375 |
| Average total loans | $2,766,527,333 | 289 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9708% | 3,338 |
| Cost of funding earning assets | 0.4453% | 677 |
| Net interest margin | 2.5255% | 3,846 |
| Noninterest income to average assets | 1.7153% | 296 |
| Noninterest expense to average assets | 0.8626% | 4,746 |
| Loan and lease loss provision to assets | 0.7118% | 60 |
| Net operating income to assets | 1.8208% | 316 |
| Return on assets (ROA) | 1.8208% | 319 |
| Pretax return on assets | 2.5756% | 163 |
| Return on Equity (ROE) | 21.1521% | 192 |
| Retained earnings to average equity (ytd only) | 20.5232% | 89 |
| Net charge-offs to loans | -0.0509% | 4,261 |
| Credit loss provision to net charge-offs | -1,863.7681% | 3,376 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.7853% | 4,773 |
| Assets per employee ($millions) | 28.7893% | 53 |
| Cash dividends to net income (ytd only)* | 2.9730% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6675% | 237 |
| Loan loss allowance to noncurrent loans | 78,868.1319% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,087 |
| Noncurrent loans to loans | 0.0034% | 4,024 |
| Net loans and leases to total assets | 73.3586% | 712 |
| Net loans and leases to deposits | 82.2945% | 993 |
| Net loans and leases to core deposits | 83.4648% | 1,273 |
| Total domestic deposits to total assets | 89.1416% | 2,008 |
| Equity capital to assets | 8.7883% | 2,891 |
| Core capital (leverage) ratio | 8.9967% | 3,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8680% | 2,654 |
| Memoranda: | ||
| Average total assets | $3,613,294,500 | 333 |
| Average earning assets | $3,483,338,500 | 324 |
| Average equity | $311,043,000 | 388 |
| Average total loans | $2,710,273,500 | 294 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0648% | 3,753 |
| Cost of funding earning assets | 0.3754% | 1,713 |
| Net interest margin | 2.6894% | 3,891 |
| Noninterest income to average assets | 0.3442% | 3,356 |
| Noninterest expense to average assets | 0.8290% | 4,784 |
| Loan and lease loss provision to assets | 0.3033% | 265 |
| Net operating income to assets | 1.2847% | 1,647 |
| Return on assets (ROA) | 1.2847% | 1,702 |
| Pretax return on assets | 1.8179% | 877 |
| Return on Equity (ROE) | 15.3370% | 875 |
| Retained earnings to average equity (ytd only) | 14.6956% | 254 |
| Net charge-offs to loans | -0.0095% | 3,725 |
| Credit loss provision to net charge-offs | -4,375.0000% | 4,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1005% | 4,800 |
| Assets per employee ($millions) | 29.7294% | 56 |
| Cash dividends to net income (ytd only)* | 4.1821% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3808% | 334 |
| Loan loss allowance to noncurrent loans | 71,423.0769% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,172 |
| Noncurrent loans to loans | 0.0033% | 4,097 |
| Net loans and leases to total assets | 72.8788% | 768 |
| Net loans and leases to deposits | 80.1248% | 1,204 |
| Net loans and leases to core deposits | 81.2364% | 1,504 |
| Total domestic deposits to total assets | 90.9567% | 508 |
| Equity capital to assets | 8.4326% | 4,092 |
| Core capital (leverage) ratio | 8.4067% | 4,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,461,950,000 | 337 |
| Average earning assets | $3,354,744,000 | 321 |
| Average equity | $289,985,000 | 405 |
| Average total loans | $2,536,648,200 | 300 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0956% | 3,823 |
| Cost of funding earning assets | 0.3715% | 1,925 |
| Net interest margin | 2.7241% | 3,925 |
| Noninterest income to average assets | 0.4235% | 2,958 |
| Noninterest expense to average assets | 0.8541% | 4,860 |
| Loan and lease loss provision to assets | 0.2930% | 273 |
| Net operating income to assets | 1.3543% | 1,675 |
| Return on assets (ROA) | 1.3543% | 1,731 |
| Pretax return on assets | 1.9154% | 919 |
| Return on Equity (ROE) | 16.1967% | 909 |
| Retained earnings to average equity (ytd only) | 15.5455% | 332 |
| Net charge-offs to loans | -0.0108% | 3,703 |
| Credit loss provision to net charge-offs | -3,712.8713% | 4,098 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.8881% | 4,872 |
| Assets per employee ($millions) | 28.2804% | 51 |
| Cash dividends to net income (ytd only)* | 4.0209% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4392% | 316 |
| Loan loss allowance to noncurrent loans | 68,084.6154% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 4,259 |
| Noncurrent loans to loans | 0.0036% | 4,192 |
| Net loans and leases to total assets | 69.5432% | 1,124 |
| Net loans and leases to deposits | 76.5652% | 1,617 |
| Net loans and leases to core deposits | 77.7461% | 1,908 |
| Total domestic deposits to total assets | 90.8287% | 424 |
| Equity capital to assets | 8.4343% | 4,255 |
| Core capital (leverage) ratio | 8.5728% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,413,258,750 | 341 |
| Average earning assets | $3,306,553,500 | 326 |
| Average equity | $285,392,500 | 410 |
| Average total loans | $2,488,318,750 | 305 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0887% | 3,895 |
| Cost of funding earning assets | 0.3769% | 2,075 |
| Net interest margin | 2.7118% | 3,955 |
| Noninterest income to average assets | 0.5511% | 2,400 |
| Noninterest expense to average assets | 0.9140% | 4,888 |
| Loan and lease loss provision to assets | 0.3271% | 240 |
| Net operating income to assets | 1.3670% | 1,660 |
| Return on assets (ROA) | 1.3670% | 1,734 |
| Pretax return on assets | 1.9334% | 946 |
| Return on Equity (ROE) | 16.3993% | 880 |
| Retained earnings to average equity (ytd only) | 15.7365% | 357 |
| Net charge-offs to loans | -0.0159% | 3,884 |
| Credit loss provision to net charge-offs | -2,806.1224% | 3,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7919% | 4,902 |
| Assets per employee ($millions) | 25.8424% | 63 |
| Cash dividends to net income (ytd only)* | 4.0414% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4327% | 298 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.5700% | 1,017 |
| Net loans and leases to deposits | 79.0472% | 1,515 |
| Net loans and leases to core deposits | 80.3500% | 1,859 |
| Total domestic deposits to total assets | 90.5408% | 539 |
| Equity capital to assets | 8.6247% | 4,108 |
| Core capital (leverage) ratio | 8.4515% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,363,233,000 | 343 |
| Average earning assets | $3,253,674,667 | 327 |
| Average equity | $280,342,000 | 412 |
| Average total loans | $2,471,086,667 | 306 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0541% | 3,982 |
| Cost of funding earning assets | 0.3787% | 2,277 |
| Net interest margin | 2.6755% | 4,014 |
| Noninterest income to average assets | 1.3257% | 740 |
| Noninterest expense to average assets | 0.9273% | 4,920 |
| Loan and lease loss provision to assets | 0.3566% | 232 |
| Net operating income to assets | 1.8605% | 705 |
| Return on assets (ROA) | 1.8605% | 761 |
| Pretax return on assets | 2.6313% | 365 |
| Return on Equity (ROE) | 22.7137% | 351 |
| Retained earnings to average equity (ytd only) | 22.0389% | 202 |
| Net charge-offs to loans | -0.0176% | 3,932 |
| Credit loss provision to net charge-offs | -2,752.2936% | 3,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.6846% | 4,944 |
| Assets per employee ($millions) | 25.8192% | 60 |
| Cash dividends to net income (ytd only)* | 2.9709% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2812% | 376 |
| Loan loss allowance to noncurrent loans | 239,016.6667% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,416 |
| Noncurrent loans to loans | 0.0010% | 4,336 |
| Net loans and leases to total assets | 72.1019% | 1,009 |
| Net loans and leases to deposits | 79.4303% | 1,578 |
| Net loans and leases to core deposits | 80.8811% | 1,925 |
| Total domestic deposits to total assets | 90.7737% | 484 |
| Equity capital to assets | 8.2685% | 4,312 |
| Core capital (leverage) ratio | 8.3198% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,365,091,000 | 341 |
| Average earning assets | $3,256,823,000 | 323 |
| Average equity | $275,639,500 | 413 |
| Average total loans | $2,474,451,500 | 307 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 4,025 |
| Cost of funding earning assets | 0.7019% | 1,709 |
| Net interest margin | 2.8040% | 4,262 |
| Noninterest income to average assets | 0.1520% | 4,535 |
| Noninterest expense to average assets | 0.9354% | 4,942 |
| Loan and lease loss provision to assets | 0.4191% | 716 |
| Net operating income to assets | 1.0689% | 2,032 |
| Return on assets (ROA) | 1.0689% | 2,174 |
| Pretax return on assets | 1.5071% | 1,309 |
| Return on Equity (ROE) | 12.4853% | 1,179 |
| Retained earnings to average equity (ytd only) | 11.7905% | 342 |
| Net charge-offs to loans | -0.0143% | 4,337 |
| Credit loss provision to net charge-offs | -3,850.9317% | 4,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6865% | 4,947 |
| Assets per employee ($millions) | 25.5543% | 59 |
| Cash dividends to net income (ytd only)* | 5.5649% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2288% | 383 |
| Loan loss allowance to noncurrent loans | 217,020.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,487 |
| Noncurrent loans to loans | 0.0010% | 4,416 |
| Net loans and leases to total assets | 71.6412% | 1,338 |
| Net loans and leases to deposits | 79.0564% | 1,972 |
| Net loans and leases to core deposits | 80.4953% | 2,319 |
| Total domestic deposits to total assets | 90.6204% | 328 |
| Equity capital to assets | 8.1118% | 4,660 |
| Core capital (leverage) ratio | 8.1187% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,958,777,400 | 345 |
| Average earning assets | $2,859,159,600 | 328 |
| Average equity | $253,313,400 | 417 |
| Average total loans | $2,259,398,200 | 315 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 4,003 |
| Cost of funding earning assets | 0.7857% | 1,562 |
| Net interest margin | 2.8173% | 4,313 |
| Noninterest income to average assets | 0.1303% | 4,640 |
| Noninterest expense to average assets | 1.0159% | 4,969 |
| Loan and lease loss provision to assets | 0.4091% | 845 |
| Net operating income to assets | 1.0118% | 2,298 |
| Return on assets (ROA) | 1.0118% | 2,428 |
| Pretax return on assets | 1.4279% | 1,640 |
| Return on Equity (ROE) | 11.6411% | 1,467 |
| Retained earnings to average equity (ytd only) | 10.9356% | 589 |
| Net charge-offs to loans | -0.0168% | 4,370 |
| Credit loss provision to net charge-offs | -3,154.1219% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6103% | 4,955 |
| Assets per employee ($millions) | 23.3133% | 65 |
| Cash dividends to net income (ytd only)* | 6.0605% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0258% | 475 |
| Loan loss allowance to noncurrent loans | 90,378.5714% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 4,527 |
| Noncurrent loans to loans | 0.0022% | 4,456 |
| Net loans and leases to total assets | 77.7731% | 860 |
| Net loans and leases to deposits | 86.3021% | 1,664 |
| Net loans and leases to core deposits | 88.0172% | 2,145 |
| Total domestic deposits to total assets | 90.1172% | 389 |
| Equity capital to assets | 8.2684% | 4,590 |
| Core capital (leverage) ratio | 8.4128% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,867,958,250 | 345 |
| Average earning assets | $2,771,542,750 | 325 |
| Average equity | $249,272,250 | 412 |
| Average total loans | $2,215,694,000 | 318 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6838% | 4,120 |
| Cost of funding earning assets | 0.8837% | 1,448 |
| Net interest margin | 2.8001% | 4,450 |
| Noninterest income to average assets | 0.1385% | 4,613 |
| Noninterest expense to average assets | 1.0876% | 4,994 |
| Loan and lease loss provision to assets | 0.3928% | 1,039 |
| Net operating income to assets | 0.9670% | 2,434 |
| Return on assets (ROA) | 0.9670% | 2,566 |
| Pretax return on assets | 1.3622% | 1,830 |
| Return on Equity (ROE) | 10.9250% | 1,655 |
| Retained earnings to average equity (ytd only) | 10.2093% | 752 |
| Net charge-offs to loans | -0.0041% | 3,958 |
| Credit loss provision to net charge-offs | -12,386.3636% | 4,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2616% | 4,950 |
| Assets per employee ($millions) | 23.6560% | 59 |
| Cash dividends to net income (ytd only)* | 6.5514% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 75.2061% | 1,248 |
| Net loans and leases to deposits | 89.4010% | 1,405 |
| Net loans and leases to core deposits | 91.3615% | 1,955 |
| Total domestic deposits to total assets | 84.1222% | 2,713 |
| Equity capital to assets | 7.9270% | 4,754 |
| Core capital (leverage) ratio | 8.6965% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,774,844,333 | 351 |
| Average earning assets | $2,679,668,333 | 330 |
| Average equity | $245,619,333 | 414 |
| Average total loans | $2,121,470,667 | 326 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8126% | 4,207 |
| Cost of funding earning assets | 0.9719% | 1,552 |
| Net interest margin | 2.8408% | 4,518 |
| Noninterest income to average assets | 0.1561% | 4,594 |
| Noninterest expense to average assets | 1.1457% | 5,034 |
| Loan and lease loss provision to assets | 0.1559% | 1,840 |
| Net operating income to assets | 1.1332% | 1,744 |
| Return on assets (ROA) | 1.1332% | 1,847 |
| Pretax return on assets | 1.5999% | 1,054 |
| Return on Equity (ROE) | 12.0205% | 1,102 |
| Retained earnings to average equity (ytd only) | 11.2928% | 521 |
| Net charge-offs to loans | -0.0004% | 3,585 |
| Credit loss provision to net charge-offs | -50,000.0000% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4863% | 4,987 |
| Assets per employee ($millions) | 19.4457% | 69 |
| Cash dividends to net income (ytd only)* | 6.0539% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1577% | 401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.5775% | 1,522 |
| Net loans and leases to deposits | 84.6698% | 2,141 |
| Net loans and leases to core deposits | 87.7623% | 2,542 |
| Total domestic deposits to total assets | 88.0804% | 1,078 |
| Equity capital to assets | 9.5530% | 4,169 |
| Core capital (leverage) ratio | 9.4971% | 3,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,565,488,000 | 362 |
| Average earning assets | $2,479,328,000 | 343 |
| Average equity | $241,852,500 | 420 |
| Average total loans | $1,957,818,000 | 342 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,605 |
| Cost of funding earning assets | 1.0129% | 1,669 |
| Net interest margin | 2.7588% | 4,783 |
| Noninterest income to average assets | 0.1790% | 4,596 |
| Noninterest expense to average assets | 1.1033% | 5,108 |
| Loan and lease loss provision to assets | 0.2515% | 722 |
| Net operating income to assets | 1.0611% | 2,610 |
| Return on assets (ROA) | 1.0611% | 2,705 |
| Pretax return on assets | 1.4798% | 1,868 |
| Return on Equity (ROE) | 11.3415% | 1,753 |
| Retained earnings to average equity (ytd only) | 10.6080% | 386 |
| Net charge-offs to loans | -0.0248% | 4,673 |
| Credit loss provision to net charge-offs | -1,376.1468% | 4,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9207% | 5,082 |
| Assets per employee ($millions) | 19.4252% | 66 |
| Cash dividends to net income (ytd only)* | 6.4673% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1361% | 371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 74.7746% | 1,621 |
| Net loans and leases to deposits | 88.7280% | 1,741 |
| Net loans and leases to core deposits | 92.1750% | 2,222 |
| Total domestic deposits to total assets | 84.2739% | 2,764 |
| Equity capital to assets | 9.2993% | 4,491 |
| Core capital (leverage) ratio | 9.4581% | 4,103 |
| Tier 1 risk-based capital ratio | 11.0532% | 4,836 |
| Total risk-based capital ratio | 12.3120% | 4,730 |
| Memoranda: | ||
| Average total assets | $2,385,393,400 | 360 |
| Average earning assets | $2,296,138,600 | 351 |
| Average equity | $223,179,800 | 432 |
| Average total loans | $1,756,781,600 | 363 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 4,690 |
| Cost of funding earning assets | 1.0187% | 1,684 |
| Net interest margin | 2.7697% | 4,879 |
| Noninterest income to average assets | 0.1817% | 4,637 |
| Noninterest expense to average assets | 1.1285% | 5,185 |
| Loan and lease loss provision to assets | 0.1705% | 1,081 |
| Net operating income to assets | 1.1067% | 2,545 |
| Return on assets (ROA) | 1.1067% | 2,636 |
| Pretax return on assets | 1.5457% | 1,824 |
| Return on Equity (ROE) | 11.8096% | 1,683 |
| Retained earnings to average equity (ytd only) | 11.0648% | 513 |
| Net charge-offs to loans | -0.0209% | 4,594 |
| Credit loss provision to net charge-offs | -1,119.4030% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6683% | 5,139 |
| Assets per employee ($millions) | 17.4521% | 83 |
| Cash dividends to net income (ytd only)* | 6.3071% | 3,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1064% | 389 |
| Loan loss allowance to noncurrent loans | 182,690.4762% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 4,779 |
| Noncurrent loans to loans | 0.0012% | 4,695 |
| Net loans and leases to total assets | 72.4554% | 2,094 |
| Net loans and leases to deposits | 87.4961% | 1,997 |
| Net loans and leases to core deposits | 91.9686% | 2,374 |
| Total domestic deposits to total assets | 82.8099% | 3,226 |
| Equity capital to assets | 9.3887% | 4,533 |
| Core capital (leverage) ratio | 9.3334% | 4,342 |
| Tier 1 risk-based capital ratio | 11.2151% | 4,816 |
| Total risk-based capital ratio | 12.4730% | 4,698 |
| Memoranda: | ||
| Average total assets | $2,345,567,500 | 367 |
| Average earning assets | $2,255,233,000 | 357 |
| Average equity | $219,815,250 | 441 |
| Average total loans | $1,709,897,000 | 373 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7364% | 4,788 |
| Cost of funding earning assets | 0.9846% | 1,772 |
| Net interest margin | 2.7518% | 4,964 |
| Noninterest income to average assets | 0.1846% | 4,645 |
| Noninterest expense to average assets | 1.1382% | 5,236 |
| Loan and lease loss provision to assets | 0.1734% | 1,046 |
| Net operating income to assets | 1.0773% | 2,618 |
| Return on assets (ROA) | 1.0773% | 2,683 |
| Pretax return on assets | 1.5217% | 1,790 |
| Return on Equity (ROE) | 11.5033% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.7453% | 592 |
| Net charge-offs to loans | -0.0307% | 4,693 |
| Credit loss provision to net charge-offs | -778.2101% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1726% | 5,159 |
| Assets per employee ($millions) | 17.4769% | 73 |
| Cash dividends to net income (ytd only)* | 6.5900% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1346% | 369 |
| Loan loss allowance to noncurrent loans | 9,246.0396% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 4,709 |
| Noncurrent loans to loans | 0.0231% | 4,610 |
| Net loans and leases to total assets | 69.9948% | 2,529 |
| Net loans and leases to deposits | 93.7857% | 1,281 |
| Net loans and leases to core deposits | 101.5407% | 1,592 |
| Total domestic deposits to total assets | 74.6327% | 4,789 |
| Equity capital to assets | 9.1449% | 4,700 |
| Core capital (leverage) ratio | 9.7565% | 3,876 |
| Tier 1 risk-based capital ratio | 11.3921% | 4,739 |
| Total risk-based capital ratio | 12.6504% | 4,629 |
| Memoranda: | ||
| Average total assets | $2,307,173,670 | 373 |
| Average earning assets | $2,220,646,330 | 359 |
| Average equity | $216,076,330 | 447 |
| Average total loans | $1,672,759,000 | 380 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 4,920 |
| Cost of funding earning assets | 0.9615% | 1,741 |
| Net interest margin | 2.6781% | 5,084 |
| Noninterest income to average assets | 0.1895% | 4,618 |
| Noninterest expense to average assets | 1.1748% | 5,287 |
| Loan and lease loss provision to assets | 0.0894% | 1,922 |
| Net operating income to assets | 1.0634% | 2,608 |
| Return on assets (ROA) | 1.0634% | 2,657 |
| Pretax return on assets | 1.5019% | 1,762 |
| Return on Equity (ROE) | 11.2101% | 1,863 |
| Retained earnings to average equity (ytd only) | 10.4393% | 933 |
| Net charge-offs to loans | -0.0184% | 4,457 |
| Credit loss provision to net charge-offs | -666.6667% | 3,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4703% | 5,150 |
| Assets per employee ($millions) | 16.9283% | 76 |
| Cash dividends to net income (ytd only)* | 6.8763% | 2,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1388% | 392 |
| Loan loss allowance to noncurrent loans | 4,436.8159% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 4,662 |
| Noncurrent loans to loans | 0.0482% | 4,547 |
| Net loans and leases to total assets | 71.9532% | 2,171 |
| Net loans and leases to deposits | 93.1952% | 1,260 |
| Net loans and leases to core deposits | 101.4210% | 1,507 |
| Total domestic deposits to total assets | 77.2070% | 4,631 |
| Equity capital to assets | 9.5133% | 4,247 |
| Core capital (leverage) ratio | 9.7306% | 3,886 |
| Tier 1 risk-based capital ratio | 11.6418% | 4,664 |
| Total risk-based capital ratio | 12.9003% | 4,533 |
| Memoranda: | ||
| Average total assets | $2,237,376,500 | 388 |
| Average earning assets | $2,152,547,500 | 367 |
| Average equity | $212,237,000 | 454 |
| Average total loans | $1,634,156,500 | 393 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,889 |
| Cost of funding earning assets | 0.7575% | 1,746 |
| Net interest margin | 2.7716% | 5,047 |
| Noninterest income to average assets | 0.2114% | 4,643 |
| Noninterest expense to average assets | 1.1422% | 5,328 |
| Loan and lease loss provision to assets | 0.1303% | 1,690 |
| Net operating income to assets | 1.1346% | 2,453 |
| Return on assets (ROA) | 1.1375% | 2,446 |
| Pretax return on assets | 1.6084% | 1,442 |
| Return on Equity (ROE) | 12.2624% | 1,624 |
| Retained earnings to average equity (ytd only) | 11.4890% | 375 |
| Net charge-offs to loans | -0.0530% | 4,993 |
| Credit loss provision to net charge-offs | -339.5062% | 4,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6976% | 5,287 |
| Assets per employee ($millions) | 17.5108% | 69 |
| Cash dividends to net income (ytd only)* | 6.3070% | 3,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1929% | 333 |
| Loan loss allowance to noncurrent loans | 2,825.8454% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 4,563 |
| Noncurrent loans to loans | 0.0776% | 4,403 |
| Net loans and leases to total assets | 70.9478% | 2,426 |
| Net loans and leases to deposits | 90.8742% | 1,691 |
| Net loans and leases to core deposits | 98.3907% | 1,842 |
| Total domestic deposits to total assets | 78.0725% | 4,481 |
| Equity capital to assets | 9.4579% | 4,165 |
| Core capital (leverage) ratio | 9.5692% | 4,040 |
| Tier 1 risk-based capital ratio | 11.7931% | 4,573 |
| Total risk-based capital ratio | 13.0522% | 4,441 |
| Memoranda: | ||
| Average total assets | $2,110,318,600 | 403 |
| Average earning assets | $2,029,780,600 | 383 |
| Average equity | $195,761,600 | 459 |
| Average total loans | $1,528,623,200 | 399 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 4,961 |
| Cost of funding earning assets | 0.7262% | 1,711 |
| Net interest margin | 2.7404% | 5,135 |
| Noninterest income to average assets | 0.2027% | 4,755 |
| Noninterest expense to average assets | 1.1486% | 5,401 |
| Loan and lease loss provision to assets | 0.1438% | 1,382 |
| Net operating income to assets | 1.0966% | 2,681 |
| Return on assets (ROA) | 1.0988% | 2,693 |
| Pretax return on assets | 1.5476% | 1,737 |
| Return on Equity (ROE) | 11.9069% | 1,822 |
| Retained earnings to average equity (ytd only) | 11.1216% | 622 |
| Net charge-offs to loans | -0.0540% | 4,961 |
| Credit loss provision to net charge-offs | -367.6471% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4825% | 5,320 |
| Assets per employee ($millions) | 16.1736% | 81 |
| Cash dividends to net income (ytd only)* | 6.5953% | 3,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1824% | 375 |
| Loan loss allowance to noncurrent loans | 78,179.5455% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,030 |
| Noncurrent loans to loans | 0.0028% | 4,938 |
| Net loans and leases to total assets | 70.6151% | 2,551 |
| Net loans and leases to deposits | 93.1457% | 1,487 |
| Net loans and leases to core deposits | 103.0669% | 1,526 |
| Total domestic deposits to total assets | 75.8114% | 4,808 |
| Equity capital to assets | 9.2028% | 4,362 |
| Core capital (leverage) ratio | 9.6342% | 4,007 |
| Tier 1 risk-based capital ratio | 11.8126% | 4,597 |
| Total risk-based capital ratio | 13.0720% | 4,480 |
| Memoranda: | ||
| Average total assets | $2,086,306,500 | 406 |
| Average earning assets | $2,005,750,250 | 387 |
| Average equity | $192,533,000 | 462 |
| Average total loans | $1,510,662,750 | 397 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4220% | 5,017 |
| Cost of funding earning assets | 0.6768% | 1,762 |
| Net interest margin | 2.7452% | 5,176 |
| Noninterest income to average assets | 0.2076% | 4,770 |
| Noninterest expense to average assets | 1.1538% | 5,463 |
| Loan and lease loss provision to assets | 0.1461% | 1,306 |
| Net operating income to assets | 1.0959% | 2,597 |
| Return on assets (ROA) | 1.0988% | 2,596 |
| Pretax return on assets | 1.5498% | 1,660 |
| Return on Equity (ROE) | 11.8947% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.0978% | 649 |
| Net charge-offs to loans | -0.0171% | 4,501 |
| Credit loss provision to net charge-offs | -1,181.1024% | 4,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5399% | 5,390 |
| Assets per employee ($millions) | 15.3117% | 93 |
| Cash dividends to net income (ytd only)* | 6.6998% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1817% | 384 |
| Loan loss allowance to noncurrent loans | 41,455.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 5,042 |
| Noncurrent loans to loans | 0.0053% | 4,943 |
| Net loans and leases to total assets | 71.4055% | 2,379 |
| Net loans and leases to deposits | 96.6422% | 1,081 |
| Net loans and leases to core deposits | 107.8436% | 1,128 |
| Total domestic deposits to total assets | 73.8864% | 5,055 |
| Equity capital to assets | 9.3625% | 4,224 |
| Core capital (leverage) ratio | 9.6738% | 3,916 |
| Tier 1 risk-based capital ratio | 11.9805% | 4,510 |
| Total risk-based capital ratio | 13.2401% | 4,379 |
| Memoranda: | ||
| Average total assets | $2,053,930,000 | 411 |
| Average earning assets | $1,974,053,000 | 394 |
| Average equity | $189,731,330 | 463 |
| Average total loans | $1,488,805,670 | 400 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3480% | 5,074 |
| Cost of funding earning assets | 0.5959% | 2,084 |
| Net interest margin | 2.7521% | 5,211 |
| Noninterest income to average assets | 0.2116% | 4,742 |
| Noninterest expense to average assets | 1.1763% | 5,525 |
| Loan and lease loss provision to assets | 0.1471% | 1,248 |
| Net operating income to assets | 1.0847% | 2,497 |
| Return on assets (ROA) | 1.0872% | 2,502 |
| Pretax return on assets | 1.5371% | 1,574 |
| Return on Equity (ROE) | 11.8515% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.0434% | 886 |
| Net charge-offs to loans | -0.0174% | 4,482 |
| Credit loss provision to net charge-offs | -1,171.8750% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1668% | 5,429 |
| Assets per employee ($millions) | 15.3503% | 89 |
| Cash dividends to net income (ytd only)* | 6.8182% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1764% | 405 |
| Loan loss allowance to noncurrent loans | 33,351.5464% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 5,116 |
| Noncurrent loans to loans | 0.0065% | 4,988 |
| Net loans and leases to total assets | 71.2237% | 2,290 |
| Net loans and leases to deposits | 94.9584% | 1,136 |
| Net loans and leases to core deposits | 111.4807% | 917 |
| Total domestic deposits to total assets | 75.0051% | 5,064 |
| Equity capital to assets | 9.2740% | 4,293 |
| Core capital (leverage) ratio | 9.4749% | 4,094 |
| Tier 1 risk-based capital ratio | 11.9100% | 4,597 |
| Total risk-based capital ratio | 13.1696% | 4,492 |
| Memoranda: | ||
| Average total assets | $2,039,700,000 | 417 |
| Average earning assets | $1,960,815,000 | 401 |
| Average equity | $187,115,500 | 475 |
| Average total loans | $1,473,156,500 | 404 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3438% | 5,023 |
| Cost of funding earning assets | 0.4750% | 2,550 |
| Net interest margin | 2.8688% | 5,083 |
| Noninterest income to average assets | 0.4535% | 3,287 |
| Noninterest expense to average assets | 1.2347% | 5,581 |
| Loan and lease loss provision to assets | 0.1132% | 2,012 |
| Net operating income to assets | 0.8639% | 2,898 |
| Return on assets (ROA) | 0.8581% | 2,942 |
| Pretax return on assets | 1.8470% | 696 |
| Return on Equity (ROE) | 9.3181% | 2,174 |
| Retained earnings to average equity (ytd only) | 8.2726% | 671 |
| Net charge-offs to loans | -0.0797% | 5,314 |
| Credit loss provision to net charge-offs | -198.9150% | 4,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5381% | 5,548 |
| Assets per employee ($millions) | 15.3219% | 86 |
| Cash dividends to net income (ytd only)* | 11.2203% | 3,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1603% | 401 |
| Loan loss allowance to noncurrent loans | 27,423.4783% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 5,164 |
| Noncurrent loans to loans | 0.0079% | 5,019 |
| Net loans and leases to total assets | 70.0914% | 2,510 |
| Net loans and leases to deposits | 93.2295% | 1,364 |
| Net loans and leases to core deposits | 108.0704% | 1,127 |
| Total domestic deposits to total assets | 75.1816% | 5,072 |
| Equity capital to assets | 9.0731% | 4,644 |
| Core capital (leverage) ratio | 9.2981% | 4,295 |
| Tier 1 risk-based capital ratio | 11.7598% | 4,681 |
| Total risk-based capital ratio | 13.0191% | 4,562 |
| Memoranda: | ||
| Average total assets | $1,944,217,800 | 420 |
| Average earning assets | $1,863,926,800 | 401 |
| Average equity | $179,048,800 | 473 |
| Average total loans | $1,388,108,800 | 411 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3345% | 5,064 |
| Cost of funding earning assets | 0.4580% | 2,635 |
| Net interest margin | 2.8765% | 5,120 |
| Noninterest income to average assets | 0.4967% | 3,044 |
| Noninterest expense to average assets | 1.2669% | 5,632 |
| Loan and lease loss provision to assets | 0.1874% | 1,043 |
| Net operating income to assets | 1.0595% | 2,288 |
| Return on assets (ROA) | 1.0599% | 2,320 |
| Pretax return on assets | 1.7988% | 896 |
| Return on Equity (ROE) | 11.4637% | 1,502 |
| Retained earnings to average equity (ytd only) | 10.3083% | 525 |
| Net charge-offs to loans | -0.0079% | 4,567 |
| Credit loss provision to net charge-offs | -3,333.3333% | 5,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9526% | 5,603 |
| Assets per employee ($millions) | 15.4174% | 83 |
| Cash dividends to net income (ytd only)* | 10.0793% | 3,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1716% | 429 |
| Loan loss allowance to noncurrent loans | 3,392.9978% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,005 |
| Noncurrent loans to loans | 0.0640% | 4,820 |
| Net loans and leases to total assets | 69.7056% | 2,605 |
| Net loans and leases to deposits | 94.7869% | 1,223 |
| Net loans and leases to core deposits | 110.3525% | 1,003 |
| Total domestic deposits to total assets | 73.5393% | 5,275 |
| Equity capital to assets | 9.2182% | 4,712 |
| Core capital (leverage) ratio | 9.4786% | 4,194 |
| Tier 1 risk-based capital ratio | 11.8201% | 4,751 |
| Total risk-based capital ratio | 13.0794% | 4,613 |
| Memoranda: | ||
| Average total assets | $1,920,818,250 | 427 |
| Average earning assets | $1,840,182,000 | 410 |
| Average equity | $177,587,500 | 479 |
| Average total loans | $1,370,168,250 | 417 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3221% | 5,074 |
| Cost of funding earning assets | 0.4325% | 2,778 |
| Net interest margin | 2.8896% | 5,116 |
| Noninterest income to average assets | 0.6413% | 2,244 |
| Noninterest expense to average assets | 1.2950% | 5,675 |
| Loan and lease loss provision to assets | 0.2060% | 878 |
| Net operating income to assets | 1.1242% | 1,878 |
| Return on assets (ROA) | 1.1245% | 1,928 |
| Pretax return on assets | 1.9081% | 638 |
| Return on Equity (ROE) | 12.1497% | 1,259 |
| Retained earnings to average equity (ytd only) | 11.0869% | 428 |
| Net charge-offs to loans | -0.0055% | 4,361 |
| Credit loss provision to net charge-offs | -5,270.2703% | 5,073 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9909% | 5,663 |
| Assets per employee ($millions) | 15.3596% | 82 |
| Cash dividends to net income (ytd only)* | 8.7475% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1369% | 475 |
| Loan loss allowance to noncurrent loans | 3,298.9083% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 5,046 |
| Noncurrent loans to loans | 0.0648% | 4,868 |
| Net loans and leases to total assets | 70.3915% | 2,466 |
| Net loans and leases to deposits | 97.5203% | 938 |
| Net loans and leases to core deposits | 113.8366% | 808 |
| Total domestic deposits to total assets | 72.1814% | 5,443 |
| Equity capital to assets | 9.1847% | 4,730 |
| Core capital (leverage) ratio | 9.3662% | 4,273 |
| Tier 1 risk-based capital ratio | 11.4907% | 4,962 |
| Total risk-based capital ratio | 12.7491% | 4,852 |
| Memoranda: | ||
| Average total assets | $1,893,002,000 | 432 |
| Average earning assets | $1,812,886,330 | 416 |
| Average equity | $175,197,330 | 482 |
| Average total loans | $1,350,858,000 | 424 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 5,133 |
| Cost of funding earning assets | 0.3934% | 3,063 |
| Net interest margin | 2.8904% | 5,104 |
| Noninterest income to average assets | 0.3447% | 4,087 |
| Noninterest expense to average assets | 1.3098% | 5,734 |
| Loan and lease loss provision to assets | 0.2586% | 564 |
| Net operating income to assets | 0.9124% | 2,697 |
| Return on assets (ROA) | 0.9123% | 2,751 |
| Pretax return on assets | 1.5436% | 1,400 |
| Return on Equity (ROE) | 9.8174% | 2,044 |
| Retained earnings to average equity (ytd only) | 8.7392% | 1,173 |
| Net charge-offs to loans | 0.0227% | 2,311 |
| Credit loss provision to net charge-offs | 1,600.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 111.5333% | 489 |
| Efficiency ratio | 42.0867% | 5,648 |
| Assets per employee ($millions) | 14.0598% | 108 |
| Cash dividends to net income (ytd only)* | 10.9825% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1537% | 504 |
| Loan loss allowance to noncurrent loans | 3,035.7808% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 4,417 |
| Noncurrent loans to loans | 0.0709% | 4,918 |
| Net loans and leases to total assets | 70.2643% | 2,328 |
| Net loans and leases to deposits | 95.0465% | 1,007 |
| Net loans and leases to core deposits | 110.5629% | 855 |
| Total domestic deposits to total assets | 73.9263% | 5,421 |
| Equity capital to assets | 9.1886% | 4,625 |
| Core capital (leverage) ratio | 9.4371% | 4,187 |
| Tier 1 risk-based capital ratio | 11.5714% | 4,985 |
| Total risk-based capital ratio | 12.8302% | 4,879 |
| Memoranda: | ||
| Average total assets | $1,856,490,000 | 442 |
| Average earning assets | $1,777,458,500 | 425 |
| Average equity | $172,509,500 | 483 |
| Average total loans | $1,319,220,000 | 433 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,097 |
| Cost of funding earning assets | 0.3115% | 3,937 |
| Net interest margin | 3.0300% | 4,897 |
| Noninterest income to average assets | 0.3950% | 3,928 |
| Noninterest expense to average assets | 1.5236% | 5,701 |
| Loan and lease loss provision to assets | 0.2426% | 873 |
| Net operating income to assets | 0.9116% | 2,763 |
| Return on assets (ROA) | 0.9121% | 2,869 |
| Pretax return on assets | 1.5280% | 1,499 |
| Return on Equity (ROE) | 9.0334% | 2,403 |
| Retained earnings to average equity (ytd only) | 7.9712% | 866 |
| Net charge-offs to loans | -0.0279% | 5,217 |
| Credit loss provision to net charge-offs | -1,295.0980% | 5,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2612% | 5,631 |
| Assets per employee ($millions) | 13.5440% | 114 |
| Cash dividends to net income (ytd only)* | 11.7584% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2135% | 456 |
| Loan loss allowance to noncurrent loans | 2,806.2624% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 4,385 |
| Noncurrent loans to loans | 0.0789% | 4,923 |
| Net loans and leases to total assets | 68.7189% | 2,664 |
| Net loans and leases to deposits | 95.3026% | 1,066 |
| Net loans and leases to core deposits | 106.8983% | 1,071 |
| Total domestic deposits to total assets | 72.1060% | 5,552 |
| Equity capital to assets | 9.4006% | 4,373 |
| Core capital (leverage) ratio | 9.7881% | 3,763 |
| Tier 1 risk-based capital ratio | 11.9969% | 4,733 |
| Total risk-based capital ratio | 13.2561% | 4,607 |
| Memoranda: | ||
| Average total assets | $1,633,602,000 | 470 |
| Average earning assets | $1,562,663,600 | 449 |
| Average equity | $164,942,800 | 488 |
| Average total loans | $1,097,571,600 | 470 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3483% | 5,126 |
| Cost of funding earning assets | 0.3035% | 4,059 |
| Net interest margin | 3.0448% | 4,915 |
| Noninterest income to average assets | 0.3585% | 4,212 |
| Noninterest expense to average assets | 1.7599% | 5,566 |
| Loan and lease loss provision to assets | 0.0724% | 2,764 |
| Net operating income to assets | 0.8553% | 3,124 |
| Return on assets (ROA) | 0.8553% | 3,249 |
| Pretax return on assets | 1.4399% | 1,918 |
| Return on Equity (ROE) | 8.3076% | 2,850 |
| Retained earnings to average equity (ytd only) | 7.2362% | 1,508 |
| Net charge-offs to loans | -0.0361% | 5,236 |
| Credit loss provision to net charge-offs | -302.8070% | 4,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7826% | 5,256 |
| Assets per employee ($millions) | 12.6648% | 138 |
| Cash dividends to net income (ytd only)* | 12.8963% | 3,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2020% | 518 |
| Loan loss allowance to noncurrent loans | 1,332.0424% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 4,207 |
| Noncurrent loans to loans | 0.1653% | 4,697 |
| Net loans and leases to total assets | 66.7079% | 3,003 |
| Net loans and leases to deposits | 89.1203% | 1,871 |
| Net loans and leases to core deposits | 101.0077% | 1,549 |
| Total domestic deposits to total assets | 74.8515% | 5,350 |
| Equity capital to assets | 10.0738% | 4,065 |
| Core capital (leverage) ratio | 10.0674% | 3,480 |
| Tier 1 risk-based capital ratio | 12.9916% | 4,169 |
| Total risk-based capital ratio | 14.2506% | 4,079 |
| Memoranda: | ||
| Average total assets | $1,588,277,000 | 479 |
| Average earning assets | $1,519,919,000 | 462 |
| Average equity | $163,525,500 | 492 |
| Average total loans | $1,053,111,500 | 485 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3221% | 5,244 |
| Cost of funding earning assets | 0.2925% | 4,217 |
| Net interest margin | 3.0296% | 5,019 |
| Noninterest income to average assets | 0.3892% | 3,960 |
| Noninterest expense to average assets | 1.9348% | 5,398 |
| Loan and lease loss provision to assets | 0.0481% | 3,190 |
| Net operating income to assets | 0.7782% | 3,409 |
| Return on assets (ROA) | 0.7782% | 3,557 |
| Pretax return on assets | 1.3071% | 2,379 |
| Return on Equity (ROE) | 7.5010% | 3,264 |
| Retained earnings to average equity (ytd only) | 6.4176% | 1,909 |
| Net charge-offs to loans | -0.0275% | 5,079 |
| Credit loss provision to net charge-offs | -265.9574% | 4,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8102% | 4,792 |
| Assets per employee ($millions) | 11.9276% | 161 |
| Cash dividends to net income (ytd only)* | 14.4433% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2187% | 530 |
| Loan loss allowance to noncurrent loans | 1,264.3595% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 4,252 |
| Noncurrent loans to loans | 0.1755% | 4,733 |
| Net loans and leases to total assets | 66.0171% | 3,082 |
| Net loans and leases to deposits | 89.5384% | 1,808 |
| Net loans and leases to core deposits | 101.8198% | 1,484 |
| Total domestic deposits to total assets | 73.7305% | 5,548 |
| Equity capital to assets | 10.1342% | 4,049 |
| Core capital (leverage) ratio | 10.3413% | 3,144 |
| Tier 1 risk-based capital ratio | 13.2486% | 4,043 |
| Total risk-based capital ratio | 14.5079% | 3,957 |
| Memoranda: | ||
| Average total assets | $1,560,451,000 | 485 |
| Average earning assets | $1,494,065,000 | 464 |
| Average equity | $161,897,670 | 500 |
| Average total loans | $1,024,048,330 | 496 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4110% | 5,106 |
| Cost of funding earning assets | 0.2799% | 4,391 |
| Net interest margin | 3.1311% | 4,776 |
| Noninterest income to average assets | 0.3276% | 4,386 |
| Noninterest expense to average assets | 2.0635% | 5,193 |
| Loan and lease loss provision to assets | 0.0494% | 2,943 |
| Net operating income to assets | 0.7248% | 3,596 |
| Return on assets (ROA) | 0.7248% | 3,708 |
| Pretax return on assets | 1.2131% | 2,648 |
| Return on Equity (ROE) | 6.9005% | 3,503 |
| Retained earnings to average equity (ytd only) | 5.8033% | 2,467 |
| Net charge-offs to loans | -0.0569% | 5,387 |
| Credit loss provision to net charge-offs | -134.2857% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0412% | 4,435 |
| Assets per employee ($millions) | 11.2472% | 188 |
| Cash dividends to net income (ytd only)* | 15.9000% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4363% | 420 |
| Loan loss allowance to noncurrent loans | 1,241.1855% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 4,218 |
| Noncurrent loans to loans | 0.1963% | 4,714 |
| Net loans and leases to total assets | 63.5921% | 3,297 |
| Net loans and leases to deposits | 81.0428% | 2,669 |
| Net loans and leases to core deposits | 92.0382% | 2,176 |
| Total domestic deposits to total assets | 78.4673% | 5,064 |
| Equity capital to assets | 10.6032% | 3,367 |
| Core capital (leverage) ratio | 10.5883% | 2,863 |
| Tier 1 risk-based capital ratio | 14.0405% | 3,664 |
| Total risk-based capital ratio | 15.3017% | 3,587 |
| Memoranda: | ||
| Average total assets | $1,523,638,500 | 502 |
| Average earning assets | $1,459,037,000 | 476 |
| Average equity | $160,046,500 | 501 |
| Average total loans | $984,448,500 | 516 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2414% | 5,452 |
| Cost of funding earning assets | 0.2662% | 4,634 |
| Net interest margin | 2.9752% | 5,193 |
| Noninterest income to average assets | 0.4869% | 3,421 |
| Noninterest expense to average assets | 1.7429% | 5,807 |
| Loan and lease loss provision to assets | 0.0658% | 2,972 |
| Net operating income to assets | 0.9165% | 2,778 |
| Return on assets (ROA) | 0.9166% | 2,864 |
| Pretax return on assets | 1.5127% | 1,518 |
| Return on Equity (ROE) | 8.1876% | 2,849 |
| Retained earnings to average equity (ytd only) | 7.1466% | 1,216 |
| Net charge-offs to loans | -0.1209% | 5,831 |
| Credit loss provision to net charge-offs | -88.2353% | 5,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4786% | 5,611 |
| Assets per employee ($millions) | 10.8404% | 211 |
| Cash dividends to net income (ytd only)* | 12.7152% | 4,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4655% | 417 |
| Loan loss allowance to noncurrent loans | 688.3654% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.4386% | 3,858 |
| Noncurrent loans to loans | 0.3582% | 4,165 |
| Net loans and leases to total assets | 62.4599% | 3,494 |
| Net loans and leases to deposits | 83.3406% | 2,446 |
| Net loans and leases to core deposits | 94.9405% | 1,950 |
| Total domestic deposits to total assets | 74.9453% | 5,558 |
| Equity capital to assets | 10.4045% | 3,480 |
| Core capital (leverage) ratio | 10.8501% | 2,560 |
| Tier 1 risk-based capital ratio | 13.9375% | 3,746 |
| Total risk-based capital ratio | 15.1986% | 3,673 |
| Memoranda: | ||
| Average total assets | $1,368,497,000 | 521 |
| Average earning assets | $1,303,626,400 | 500 |
| Average equity | $153,206,400 | 496 |
| Average total loans | $843,973,200 | 558 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2472% | 5,516 |
| Cost of funding earning assets | 0.2676% | 4,689 |
| Net interest margin | 2.9796% | 5,246 |
| Noninterest income to average assets | 0.4346% | 3,835 |
| Noninterest expense to average assets | 1.8497% | 5,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8590% | 3,129 |
| Return on assets (ROA) | 0.8591% | 3,214 |
| Pretax return on assets | 1.4177% | 1,938 |
| Return on Equity (ROE) | 7.5228% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.4739% | 1,975 |
| Net charge-offs to loans | -0.1603% | 5,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6156% | 5,266 |
| Assets per employee ($millions) | 10.4535% | 229 |
| Cash dividends to net income (ytd only)* | 13.9427% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5732% | 399 |
| Loan loss allowance to noncurrent loans | 665.2601% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 3,774 |
| Noncurrent loans to loans | 0.3868% | 4,229 |
| Net loans and leases to total assets | 61.3014% | 3,691 |
| Net loans and leases to deposits | 82.5301% | 2,580 |
| Net loans and leases to core deposits | 95.8458% | 1,905 |
| Total domestic deposits to total assets | 74.2776% | 5,688 |
| Equity capital to assets | 10.9563% | 3,075 |
| Core capital (leverage) ratio | 11.1331% | 2,368 |
| Tier 1 risk-based capital ratio | 14.6872% | 3,446 |
| Total risk-based capital ratio | 15.9493% | 3,384 |
| Memoranda: | ||
| Average total assets | $1,331,205,750 | 538 |
| Average earning assets | $1,265,516,750 | 522 |
| Average equity | $152,031,750 | 503 |
| Average total loans | $811,993,500 | 579 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2332% | 5,566 |
| Cost of funding earning assets | 0.2676% | 4,744 |
| Net interest margin | 2.9655% | 5,303 |
| Noninterest income to average assets | 0.5353% | 3,134 |
| Noninterest expense to average assets | 1.7623% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9618% | 2,576 |
| Return on assets (ROA) | 0.9618% | 2,690 |
| Pretax return on assets | 1.5901% | 1,356 |
| Return on Equity (ROE) | 8.2991% | 2,888 |
| Retained earnings to average equity (ytd only) | 7.2420% | 1,595 |
| Net charge-offs to loans | -0.2111% | 6,035 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5679% | 5,674 |
| Assets per employee ($millions) | 10.2408% | 245 |
| Cash dividends to net income (ytd only)* | 12.7377% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8557% | 314 |
| Loan loss allowance to noncurrent loans | 642.2353% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 3,897 |
| Noncurrent loans to loans | 0.4447% | 4,145 |
| Net loans and leases to total assets | 58.8897% | 3,996 |
| Net loans and leases to deposits | 77.5657% | 3,088 |
| Net loans and leases to core deposits | 90.7014% | 2,272 |
| Total domestic deposits to total assets | 75.9223% | 5,608 |
| Equity capital to assets | 11.6117% | 2,320 |
| Core capital (leverage) ratio | 11.5002% | 1,990 |
| Tier 1 risk-based capital ratio | 15.9085% | 2,900 |
| Total risk-based capital ratio | 17.1731% | 2,854 |
| Memoranda: | ||
| Average total assets | $1,301,048,330 | 547 |
| Average earning assets | $1,235,944,000 | 528 |
| Average equity | $150,788,000 | 508 |
| Average total loans | $784,482,670 | 597 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1816% | 5,675 |
| Cost of funding earning assets | 0.2638% | 4,866 |
| Net interest margin | 2.9178% | 5,413 |
| Noninterest income to average assets | 0.3978% | 4,021 |
| Noninterest expense to average assets | 1.9618% | 5,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7337% | 3,628 |
| Return on assets (ROA) | 0.7337% | 3,759 |
| Pretax return on assets | 1.2086% | 2,628 |
| Return on Equity (ROE) | 6.3365% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.2688% | 2,906 |
| Net charge-offs to loans | -0.0242% | 5,135 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8782% | 4,817 |
| Assets per employee ($millions) | 9.9693% | 259 |
| Cash dividends to net income (ytd only)* | 16.8497% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8111% | 363 |
| Loan loss allowance to noncurrent loans | 323.8856% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.7710% | 3,181 |
| Noncurrent loans to loans | 0.8679% | 3,076 |
| Net loans and leases to total assets | 58.4771% | 3,875 |
| Net loans and leases to deposits | 76.8717% | 2,949 |
| Net loans and leases to core deposits | 88.0606% | 2,326 |
| Total domestic deposits to total assets | 76.0710% | 5,731 |
| Equity capital to assets | 11.5509% | 2,419 |
| Core capital (leverage) ratio | 11.6279% | 1,904 |
| Tier 1 risk-based capital ratio | 15.7379% | 3,046 |
| Total risk-based capital ratio | 17.0017% | 2,976 |
| Memoranda: | ||
| Average total assets | $1,291,039,500 | 545 |
| Average earning assets | $1,226,813,000 | 529 |
| Average equity | $149,483,000 | 513 |
| Average total loans | $776,303,000 | 596 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3593% | 5,608 |
| Cost of funding earning assets | 0.2506% | 5,316 |
| Net interest margin | 3.1087% | 5,180 |
| Noninterest income to average assets | 0.3550% | 4,559 |
| Noninterest expense to average assets | 1.9252% | 5,899 |
| Loan and lease loss provision to assets | -0.2179% | 6,304 |
| Net operating income to assets | 0.9559% | 2,596 |
| Return on assets (ROA) | 0.9561% | 2,678 |
| Pretax return on assets | 1.5819% | 1,288 |
| Return on Equity (ROE) | 8.2917% | 2,974 |
| Retained earnings to average equity (ytd only) | 7.2833% | 1,282 |
| Net charge-offs to loans | 0.0748% | 3,416 |
| Credit loss provision to net charge-offs | -504.6729% | 5,793 |
| Earnings coverage of net charge-offs (x) | 31.5888% | 1,287 |
| Efficiency ratio | 58.5368% | 5,403 |
| Assets per employee ($millions) | 9.8923% | 262 |
| Cash dividends to net income (ytd only)* | 12.1614% | 4,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8745% | 341 |
| Loan loss allowance to noncurrent loans | 335.6991% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.7691% | 3,292 |
| Noncurrent loans to loans | 0.8563% | 3,173 |
| Net loans and leases to total assets | 58.3635% | 4,008 |
| Net loans and leases to deposits | 74.2680% | 3,404 |
| Net loans and leases to core deposits | 84.6644% | 2,828 |
| Total domestic deposits to total assets | 78.5850% | 5,331 |
| Equity capital to assets | 11.6068% | 2,337 |
| Core capital (leverage) ratio | 11.4369% | 2,027 |
| Tier 1 risk-based capital ratio | 16.3439% | 2,791 |
| Total risk-based capital ratio | 17.6096% | 2,727 |
| Memoranda: | ||
| Average total assets | $1,239,283,400 | 546 |
| Average earning assets | $1,169,586,600 | 532 |
| Average equity | $142,901,800 | 511 |
| Average total loans | $715,020,200 | 608 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3575% | 5,661 |
| Cost of funding earning assets | 0.2507% | 5,400 |
| Net interest margin | 3.1068% | 5,239 |
| Noninterest income to average assets | 0.4517% | 3,886 |
| Noninterest expense to average assets | 1.9159% | 5,924 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8911% | 2,951 |
| Return on assets (ROA) | 0.8914% | 3,052 |
| Pretax return on assets | 1.4633% | 1,766 |
| Return on Equity (ROE) | 7.7438% | 3,339 |
| Retained earnings to average equity (ytd only) | 6.7268% | 1,969 |
| Net charge-offs to loans | 0.6763% | 518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 3.7899% | 3,591 |
| Efficiency ratio | 56.7047% | 5,590 |
| Assets per employee ($millions) | 9.9623% | 244 |
| Cash dividends to net income (ytd only)* | 13.1323% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0123% | 359 |
| Loan loss allowance to noncurrent loans | 130.9218% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.5928% | 1,913 |
| Noncurrent loans to loans | 2.3009% | 1,303 |
| Net loans and leases to total assets | 56.1468% | 4,309 |
| Net loans and leases to deposits | 70.0792% | 3,910 |
| Net loans and leases to core deposits | 80.0623% | 3,302 |
| Total domestic deposits to total assets | 80.1190% | 5,074 |
| Equity capital to assets | 11.6241% | 2,378 |
| Core capital (leverage) ratio | 11.4675% | 2,088 |
| Tier 1 risk-based capital ratio | 16.7611% | 2,704 |
| Total risk-based capital ratio | 18.0279% | 2,642 |
| Memoranda: | ||
| Average total assets | $1,230,079,000 | 547 |
| Average earning assets | $1,158,933,000 | 532 |
| Average equity | $141,598,750 | 516 |
| Average total loans | $702,070,500 | 617 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 5,671 |
| Cost of funding earning assets | 0.2496% | 5,490 |
| Net interest margin | 3.1225% | 5,180 |
| Noninterest income to average assets | 0.3548% | 4,586 |
| Noninterest expense to average assets | 1.8831% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8650% | 2,981 |
| Return on assets (ROA) | 0.8650% | 3,074 |
| Pretax return on assets | 1.4124% | 1,852 |
| Return on Equity (ROE) | 7.5391% | 3,350 |
| Retained earnings to average equity (ytd only) | 6.5160% | 2,025 |
| Net charge-offs to loans | 1.0285% | 340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.4178% | 3,553 |
| Efficiency ratio | 57.1414% | 5,645 |
| Assets per employee ($millions) | 9.7157% | 255 |
| Cash dividends to net income (ytd only)* | 13.5712% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1423% | 324 |
| Loan loss allowance to noncurrent loans | 140.6104% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.5189% | 2,143 |
| Noncurrent loans to loans | 2.2348% | 1,464 |
| Net loans and leases to total assets | 55.0733% | 4,400 |
| Net loans and leases to deposits | 69.1222% | 3,923 |
| Net loans and leases to core deposits | 79.2923% | 3,289 |
| Total domestic deposits to total assets | 79.6752% | 5,309 |
| Equity capital to assets | 11.7850% | 2,177 |
| Core capital (leverage) ratio | 11.4225% | 2,070 |
| Tier 1 risk-based capital ratio | 17.0834% | 2,585 |
| Total risk-based capital ratio | 18.3514% | 2,538 |
| Memoranda: | ||
| Average total assets | $1,225,008,330 | 550 |
| Average earning assets | $1,153,705,330 | 533 |
| Average equity | $140,547,000 | 518 |
| Average total loans | $695,791,670 | 620 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4049% | 5,635 |
| Cost of funding earning assets | 0.2449% | 5,636 |
| Net interest margin | 3.1600% | 5,054 |
| Noninterest income to average assets | 0.4207% | 4,026 |
| Noninterest expense to average assets | 1.9088% | 6,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9029% | 2,635 |
| Return on assets (ROA) | 0.9029% | 2,704 |
| Pretax return on assets | 1.4901% | 1,459 |
| Return on Equity (ROE) | 7.9765% | 2,944 |
| Retained earnings to average equity (ytd only) | 6.9425% | 2,075 |
| Net charge-offs to loans | 2.3064% | 105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.1381% | 3,166 |
| Efficiency ratio | 56.1603% | 5,822 |
| Assets per employee ($millions) | 9.9651% | 235 |
| Cash dividends to net income (ytd only)* | 12.9636% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0830% | 395 |
| Loan loss allowance to noncurrent loans | 141.9601% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.4800% | 2,388 |
| Noncurrent loans to loans | 2.1717% | 1,682 |
| Net loans and leases to total assets | 54.5002% | 4,349 |
| Net loans and leases to deposits | 68.4853% | 3,802 |
| Net loans and leases to core deposits | 77.8132% | 3,223 |
| Total domestic deposits to total assets | 79.5794% | 5,574 |
| Equity capital to assets | 11.4681% | 2,282 |
| Core capital (leverage) ratio | 11.0704% | 2,328 |
| Tier 1 risk-based capital ratio | 16.7859% | 2,780 |
| Total risk-based capital ratio | 18.0534% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,230,284,000 | 549 |
| Average earning assets | $1,159,508,000 | 532 |
| Average equity | $139,258,500 | 527 |
| Average total loans | $698,417,500 | 621 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5875% | 5,439 |
| Cost of funding earning assets | 0.2069% | 6,250 |
| Net interest margin | 3.3806% | 4,361 |
| Noninterest income to average assets | 0.4723% | 3,945 |
| Noninterest expense to average assets | 2.0209% | 5,991 |
| Loan and lease loss provision to assets | 0.0336% | 4,446 |
| Net operating income to assets | 0.9648% | 2,491 |
| Return on assets (ROA) | 0.9661% | 2,553 |
| Pretax return on assets | 1.5953% | 1,180 |
| Return on Equity (ROE) | 8.5530% | 2,758 |
| Retained earnings to average equity (ytd only) | 7.5714% | 1,209 |
| Net charge-offs to loans | -0.1117% | 6,501 |
| Credit loss provision to net charge-offs | -55.7103% | 5,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4010% | 6,006 |
| Assets per employee ($millions) | 9.9585% | 235 |
| Cash dividends to net income (ytd only)* | 11.4758% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5724% | 272 |
| Loan loss allowance to noncurrent loans | 120.4527% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 2.1004% | 1,705 |
| Noncurrent loans to loans | 2.9658% | 1,161 |
| Net loans and leases to total assets | 55.2528% | 4,424 |
| Net loans and leases to deposits | 71.0884% | 3,645 |
| Net loans and leases to core deposits | 80.8604% | 3,027 |
| Total domestic deposits to total assets | 77.7240% | 5,867 |
| Equity capital to assets | 11.1715% | 2,455 |
| Core capital (leverage) ratio | 11.0283% | 2,363 |
| Tier 1 risk-based capital ratio | 16.1649% | 3,021 |
| Total risk-based capital ratio | 17.4371% | 2,966 |
| Memoranda: | ||
| Average total assets | $1,188,756,600 | 551 |
| Average earning assets | $1,116,613,200 | 533 |
| Average equity | $134,281,000 | 538 |
| Average total loans | $643,011,400 | 655 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 5,440 |
| Cost of funding earning assets | 0.2037% | 6,383 |
| Net interest margin | 3.3964% | 4,304 |
| Noninterest income to average assets | 0.4783% | 3,946 |
| Noninterest expense to average assets | 2.0749% | 5,880 |
| Loan and lease loss provision to assets | 0.0453% | 4,105 |
| Net operating income to assets | 0.9464% | 2,614 |
| Return on assets (ROA) | 0.9482% | 2,709 |
| Pretax return on assets | 1.5455% | 1,479 |
| Return on Equity (ROE) | 8.3699% | 2,932 |
| Retained earnings to average equity (ytd only) | 7.3812% | 1,692 |
| Net charge-offs to loans | -0.1297% | 6,566 |
| Credit loss provision to net charge-offs | -65.5738% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6464% | 5,840 |
| Assets per employee ($millions) | 9.8630% | 241 |
| Cash dividends to net income (ytd only)* | 11.8132% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9940% | 239 |
| Loan loss allowance to noncurrent loans | 810.5958% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 4,502 |
| Noncurrent loans to loans | 0.4927% | 4,967 |
| Net loans and leases to total assets | 50.6942% | 5,049 |
| Net loans and leases to deposits | 64.3123% | 4,486 |
| Net loans and leases to core deposits | 73.2432% | 3,941 |
| Total domestic deposits to total assets | 78.8251% | 5,781 |
| Equity capital to assets | 11.3486% | 2,434 |
| Core capital (leverage) ratio | 11.0230% | 2,461 |
| Tier 1 risk-based capital ratio | 17.3209% | 2,573 |
| Total risk-based capital ratio | 18.5969% | 2,536 |
| Memoranda: | ||
| Average total assets | $1,177,231,000 | 556 |
| Average earning assets | $1,103,810,750 | 539 |
| Average equity | $133,363,250 | 547 |
| Average total loans | $626,871,500 | 670 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5421% | 5,602 |
| Cost of funding earning assets | 0.1973% | 6,488 |
| Net interest margin | 3.3448% | 4,403 |
| Noninterest income to average assets | 0.5059% | 3,791 |
| Noninterest expense to average assets | 2.1158% | 5,838 |
| Loan and lease loss provision to assets | 0.0683% | 3,678 |
| Net operating income to assets | 0.9018% | 2,784 |
| Return on assets (ROA) | 0.9046% | 2,909 |
| Pretax return on assets | 1.4710% | 1,711 |
| Return on Equity (ROE) | 7.9896% | 3,105 |
| Retained earnings to average equity (ytd only) | 6.9932% | 1,898 |
| Net charge-offs to loans | -0.0841% | 6,454 |
| Credit loss provision to net charge-offs | -152.0913% | 5,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9543% | 5,737 |
| Assets per employee ($millions) | 9.4977% | 251 |
| Cash dividends to net income (ytd only)* | 12.4717% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9870% | 257 |
| Loan loss allowance to noncurrent loans | 780.5660% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.7196% | 4,417 |
| Noncurrent loans to loans | 0.5108% | 4,990 |
| Net loans and leases to total assets | 51.1677% | 4,976 |
| Net loans and leases to deposits | 65.3608% | 4,336 |
| Net loans and leases to core deposits | 74.6090% | 3,717 |
| Total domestic deposits to total assets | 78.2851% | 5,928 |
| Equity capital to assets | 11.3237% | 2,438 |
| Core capital (leverage) ratio | 11.0441% | 2,311 |
| Tier 1 risk-based capital ratio | 17.4733% | 2,521 |
| Total risk-based capital ratio | 18.7499% | 2,485 |
| Memoranda: | ||
| Average total assets | $1,171,834,670 | 559 |
| Average earning assets | $1,101,818,000 | 537 |
| Average equity | $132,672,000 | 549 |
| Average total loans | $625,774,000 | 670 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5218% | 5,655 |
| Cost of funding earning assets | 0.1909% | 6,619 |
| Net interest margin | 3.3309% | 4,395 |
| Noninterest income to average assets | 0.3841% | 4,587 |
| Noninterest expense to average assets | 2.0204% | 6,063 |
| Loan and lease loss provision to assets | 0.1363% | 2,538 |
| Net operating income to assets | 0.8527% | 2,891 |
| Return on assets (ROA) | 0.8582% | 3,000 |
| Pretax return on assets | 1.3759% | 1,936 |
| Return on Equity (ROE) | 7.5806% | 3,174 |
| Retained earnings to average equity (ytd only) | 6.5871% | 2,374 |
| Net charge-offs to loans | 0.4144% | 1,416 |
| Credit loss provision to net charge-offs | 61.5385% | 2,420 |
| Earnings coverage of net charge-offs (x) | 6.7877% | 2,159 |
| Efficiency ratio | 57.3308% | 5,918 |
| Assets per employee ($millions) | 9.9046% | 237 |
| Cash dividends to net income (ytd only)* | 13.1056% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8165% | 329 |
| Loan loss allowance to noncurrent loans | 676.9253% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.8120% | 4,342 |
| Noncurrent loans to loans | 0.5638% | 5,030 |
| Net loans and leases to total assets | 51.5565% | 4,763 |
| Net loans and leases to deposits | 64.6933% | 4,229 |
| Net loans and leases to core deposits | 72.8731% | 3,715 |
| Total domestic deposits to total assets | 79.6937% | 5,822 |
| Equity capital to assets | 11.4400% | 2,471 |
| Core capital (leverage) ratio | 10.7592% | 2,490 |
| Tier 1 risk-based capital ratio | 17.3099% | 2,643 |
| Total risk-based capital ratio | 18.5853% | 2,596 |
| Memoranda: | ||
| Average total assets | $1,173,640,500 | 564 |
| Average earning assets | $1,106,380,500 | 539 |
| Average equity | $132,865,000 | 555 |
| Average total loans | $627,373,500 | 667 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 5,292 |
| Cost of funding earning assets | 0.2379% | 6,720 |
| Net interest margin | 3.7651% | 3,375 |
| Noninterest income to average assets | 0.5073% | 3,848 |
| Noninterest expense to average assets | 2.2579% | 5,793 |
| Loan and lease loss provision to assets | 0.1070% | 4,297 |
| Net operating income to assets | 1.0383% | 2,173 |
| Return on assets (ROA) | 1.0387% | 2,374 |
| Pretax return on assets | 1.6679% | 1,220 |
| Return on Equity (ROE) | 9.0651% | 2,610 |
| Retained earnings to average equity (ytd only) | 7.7419% | 1,213 |
| Net charge-offs to loans | 0.3357% | 2,958 |
| Credit loss provision to net charge-offs | 59.9101% | 4,450 |
| Earnings coverage of net charge-offs (x) | 9.9371% | 2,200 |
| Efficiency ratio | 55.9977% | 6,059 |
| Assets per employee ($millions) | 9.8212% | 258 |
| Cash dividends to net income (ytd only)* | 14.5971% | 3,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8453% | 318 |
| Loan loss allowance to noncurrent loans | 511.7348% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 4,386 |
| Noncurrent loans to loans | 0.7514% | 4,677 |
| Net loans and leases to total assets | 51.2598% | 5,003 |
| Net loans and leases to deposits | 64.0328% | 4,528 |
| Net loans and leases to core deposits | 71.8211% | 4,063 |
| Total domestic deposits to total assets | 80.0524% | 5,648 |
| Equity capital to assets | 11.2025% | 2,733 |
| Core capital (leverage) ratio | 10.7832% | 2,459 |
| Tier 1 risk-based capital ratio | 16.9466% | 2,680 |
| Total risk-based capital ratio | 18.2214% | 2,632 |
| Memoranda: | ||
| Average total assets | $1,121,838,000 | 584 |
| Average earning assets | $1,050,257,400 | 562 |
| Average equity | $128,547,600 | 558 |
| Average total loans | $596,679,800 | 690 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 5,414 |
| Cost of funding earning assets | 0.2569% | 6,785 |
| Net interest margin | 3.7800% | 3,421 |
| Noninterest income to average assets | 0.5030% | 3,911 |
| Noninterest expense to average assets | 2.2907% | 5,709 |
| Loan and lease loss provision to assets | 0.1444% | 3,727 |
| Net operating income to assets | 0.9983% | 2,515 |
| Return on assets (ROA) | 0.9982% | 2,739 |
| Pretax return on assets | 1.5992% | 1,577 |
| Return on Equity (ROE) | 8.6601% | 2,972 |
| Retained earnings to average equity (ytd only) | 7.7161% | 1,746 |
| Net charge-offs to loans | 0.0514% | 4,936 |
| Credit loss provision to net charge-offs | 528.6344% | 512 |
| Earnings coverage of net charge-offs (x) | 63.8192% | 622 |
| Efficiency ratio | 56.7772% | 5,949 |
| Assets per employee ($millions) | 9.2894% | 296 |
| Cash dividends to net income (ytd only)* | 10.9007% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2820% | 246 |
| Loan loss allowance to noncurrent loans | 475.8716% | 803 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 4,213 |
| Noncurrent loans to loans | 0.8998% | 4,634 |
| Net loans and leases to total assets | 52.0071% | 5,044 |
| Net loans and leases to deposits | 63.8515% | 4,732 |
| Net loans and leases to core deposits | 72.8152% | 4,154 |
| Total domestic deposits to total assets | 81.4501% | 5,208 |
| Equity capital to assets | 11.7629% | 2,471 |
| Core capital (leverage) ratio | 11.0284% | 2,352 |
| Tier 1 risk-based capital ratio | 17.1786% | 2,659 |
| Total risk-based capital ratio | 18.4579% | 2,600 |
| Memoranda: | ||
| Average total assets | $1,107,662,500 | 599 |
| Average earning assets | $1,034,816,000 | 572 |
| Average equity | $127,678,000 | 565 |
| Average total loans | $588,780,750 | 703 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 5,403 |
| Cost of funding earning assets | 0.2758% | 6,817 |
| Net interest margin | 3.8000% | 3,363 |
| Noninterest income to average assets | 0.5276% | 3,737 |
| Noninterest expense to average assets | 2.3827% | 5,516 |
| Loan and lease loss provision to assets | 0.2171% | 2,901 |
| Net operating income to assets | 0.9199% | 2,810 |
| Return on assets (ROA) | 0.9199% | 3,080 |
| Pretax return on assets | 1.4685% | 1,963 |
| Return on Equity (ROE) | 8.0361% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.0829% | 2,055 |
| Net charge-offs to loans | 0.5326% | 1,996 |
| Credit loss provision to net charge-offs | 77.2698% | 3,394 |
| Earnings coverage of net charge-offs (x) | 5.9987% | 2,720 |
| Efficiency ratio | 58.5661% | 5,792 |
| Assets per employee ($millions) | 8.9335% | 325 |
| Cash dividends to net income (ytd only)* | 11.8607% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1338% | 318 |
| Loan loss allowance to noncurrent loans | 439.0544% | 829 |
| Noncurrent assets plus other real estate owned to assets | 1.0958% | 4,186 |
| Noncurrent loans to loans | 0.9415% | 4,628 |
| Net loans and leases to total assets | 52.7963% | 4,991 |
| Net loans and leases to deposits | 65.2558% | 4,610 |
| Net loans and leases to core deposits | 74.8945% | 3,904 |
| Total domestic deposits to total assets | 80.9067% | 5,499 |
| Equity capital to assets | 11.9244% | 2,199 |
| Core capital (leverage) ratio | 10.9351% | 2,361 |
| Tier 1 risk-based capital ratio | 17.0590% | 2,644 |
| Total risk-based capital ratio | 18.3376% | 2,591 |
| Memoranda: | ||
| Average total assets | $1,105,309,000 | 599 |
| Average earning assets | $1,029,897,670 | 575 |
| Average equity | $126,529,330 | 568 |
| Average total loans | $583,151,000 | 704 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 5,698 |
| Cost of funding earning assets | 0.2975% | 6,849 |
| Net interest margin | 3.7222% | 3,724 |
| Noninterest income to average assets | 0.4388% | 4,386 |
| Noninterest expense to average assets | 2.1273% | 6,211 |
| Loan and lease loss provision to assets | 0.3579% | 1,762 |
| Net operating income to assets | 0.9038% | 2,898 |
| Return on assets (ROA) | 0.9038% | 3,120 |
| Pretax return on assets | 1.4239% | 2,107 |
| Return on Equity (ROE) | 8.0578% | 3,263 |
| Retained earnings to average equity (ytd only) | 7.0972% | 2,380 |
| Net charge-offs to loans | 0.7999% | 1,285 |
| Credit loss provision to net charge-offs | 86.6551% | 2,611 |
| Earnings coverage of net charge-offs (x) | 4.3137% | 2,597 |
| Efficiency ratio | 54.4181% | 6,305 |
| Assets per employee ($millions) | 8.3225% | 421 |
| Cash dividends to net income (ytd only)* | 11.9208% | 2,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2777% | 298 |
| Loan loss allowance to noncurrent loans | 423.8510% | 800 |
| Noncurrent assets plus other real estate owned to assets | 1.0804% | 4,332 |
| Noncurrent loans to loans | 1.0093% | 4,656 |
| Net loans and leases to total assets | 49.7774% | 5,338 |
| Net loans and leases to deposits | 61.3651% | 5,002 |
| Net loans and leases to core deposits | 68.1115% | 4,665 |
| Total domestic deposits to total assets | 81.1168% | 5,570 |
| Equity capital to assets | 11.3414% | 2,587 |
| Core capital (leverage) ratio | 10.5232% | 2,723 |
| Tier 1 risk-based capital ratio | 16.9886% | 2,686 |
| Total risk-based capital ratio | 18.2683% | 2,637 |
| Memoranda: | ||
| Average total assets | $1,117,484,000 | 593 |
| Average earning assets | $1,041,855,500 | 567 |
| Average equity | $125,345,000 | 572 |
| Average total loans | $577,069,000 | 717 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3400% | 5,632 |
| Cost of funding earning assets | 0.4174% | 6,841 |
| Net interest margin | 3.9227% | 3,242 |
| Noninterest income to average assets | 0.8193% | 1,966 |
| Noninterest expense to average assets | 2.5215% | 5,397 |
| Loan and lease loss provision to assets | 0.3792% | 2,727 |
| Net operating income to assets | 0.9918% | 2,230 |
| Return on assets (ROA) | 0.9997% | 2,343 |
| Pretax return on assets | 1.5539% | 1,328 |
| Return on Equity (ROE) | 8.9081% | 2,491 |
| Retained earnings to average equity (ytd only) | 7.8982% | 1,117 |
| Net charge-offs to loans | 0.6337% | 2,557 |
| Credit loss provision to net charge-offs | 115.5479% | 2,822 |
| Earnings coverage of net charge-offs (x) | 5.8534% | 2,665 |
| Efficiency ratio | 56.7617% | 6,218 |
| Assets per employee ($millions) | 8.1142% | 453 |
| Cash dividends to net income (ytd only)* | 11.3371% | 3,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3472% | 286 |
| Loan loss allowance to noncurrent loans | 435.7130% | 777 |
| Noncurrent assets plus other real estate owned to assets | 1.0457% | 4,516 |
| Noncurrent loans to loans | 0.9977% | 4,710 |
| Net loans and leases to total assets | 49.0504% | 5,708 |
| Net loans and leases to deposits | 61.0231% | 5,363 |
| Net loans and leases to core deposits | 67.1319% | 5,146 |
| Total domestic deposits to total assets | 80.3800% | 5,633 |
| Equity capital to assets | 11.0925% | 2,897 |
| Core capital (leverage) ratio | 10.4594% | 2,778 |
| Tier 1 risk-based capital ratio | 16.9224% | 2,637 |
| Total risk-based capital ratio | 18.2031% | 2,589 |
| Memoranda: | ||
| Average total assets | $1,062,352,800 | 620 |
| Average earning assets | $981,165,800 | 601 |
| Average equity | $119,217,600 | 584 |
| Average total loans | $550,113,400 | 768 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 5,570 |
| Cost of funding earning assets | 0.4418% | 6,906 |
| Net interest margin | 3.9710% | 3,049 |
| Noninterest income to average assets | 0.8997% | 1,653 |
| Noninterest expense to average assets | 2.4976% | 5,471 |
| Loan and lease loss provision to assets | 0.4453% | 2,245 |
| Net operating income to assets | 1.0142% | 2,271 |
| Return on assets (ROA) | 1.0225% | 2,404 |
| Pretax return on assets | 1.6255% | 1,317 |
| Return on Equity (ROE) | 9.0835% | 2,560 |
| Retained earnings to average equity (ytd only) | 8.0629% | 1,488 |
| Net charge-offs to loans | 0.6959% | 2,172 |
| Credit loss provision to net charge-offs | 123.2394% | 2,616 |
| Earnings coverage of net charge-offs (x) | 5.6954% | 2,720 |
| Efficiency ratio | 54.8273% | 6,405 |
| Assets per employee ($millions) | 7.7293% | 529 |
| Cash dividends to net income (ytd only)* | 11.2355% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3203% | 306 |
| Loan loss allowance to noncurrent loans | 679.3066% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.9709% | 4,804 |
| Noncurrent loans to loans | 0.6360% | 5,615 |
| Net loans and leases to total assets | 51.3286% | 5,539 |
| Net loans and leases to deposits | 63.8098% | 5,195 |
| Net loans and leases to core deposits | 70.5395% | 4,883 |
| Total domestic deposits to total assets | 80.4401% | 5,611 |
| Equity capital to assets | 11.3996% | 2,778 |
| Core capital (leverage) ratio | 10.6573% | 2,703 |
| Tier 1 risk-based capital ratio | 16.5865% | 2,820 |
| Total risk-based capital ratio | 17.8673% | 2,767 |
| Memoranda: | ||
| Average total assets | $1,048,002,250 | 638 |
| Average earning assets | $964,814,000 | 620 |
| Average equity | $117,969,750 | 593 |
| Average total loans | $544,090,250 | 783 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4037% | 5,679 |
| Cost of funding earning assets | 0.4615% | 6,978 |
| Net interest margin | 3.9422% | 3,114 |
| Noninterest income to average assets | 1.0741% | 1,132 |
| Noninterest expense to average assets | 2.5903% | 5,225 |
| Loan and lease loss provision to assets | 0.4823% | 2,047 |
| Net operating income to assets | 1.0445% | 2,054 |
| Return on assets (ROA) | 1.0571% | 2,110 |
| Pretax return on assets | 1.6635% | 1,127 |
| Return on Equity (ROE) | 9.4324% | 2,333 |
| Retained earnings to average equity (ytd only) | 8.3960% | 1,303 |
| Net charge-offs to loans | 0.8223% | 1,861 |
| Credit loss provision to net charge-offs | 114.3118% | 2,679 |
| Earnings coverage of net charge-offs (x) | 5.0389% | 2,704 |
| Efficiency ratio | 54.9211% | 6,518 |
| Assets per employee ($millions) | 7.1217% | 684 |
| Cash dividends to net income (ytd only)* | 10.9874% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4990% | 276 |
| Loan loss allowance to noncurrent loans | 521.1336% | 640 |
| Noncurrent assets plus other real estate owned to assets | 1.1411% | 4,608 |
| Noncurrent loans to loans | 0.8633% | 5,223 |
| Net loans and leases to total assets | 50.4934% | 5,754 |
| Net loans and leases to deposits | 62.4821% | 5,451 |
| Net loans and leases to core deposits | 67.6279% | 5,326 |
| Total domestic deposits to total assets | 80.8126% | 5,592 |
| Equity capital to assets | 11.5634% | 2,447 |
| Core capital (leverage) ratio | 10.5869% | 2,625 |
| Tier 1 risk-based capital ratio | 16.7488% | 2,631 |
| Total risk-based capital ratio | 18.0304% | 2,575 |
| Memoranda: | ||
| Average total assets | $1,036,635,000 | 651 |
| Average earning assets | $957,779,000 | 633 |
| Average equity | $116,174,330 | 602 |
| Average total loans | $531,950,670 | 808 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3687% | 5,795 |
| Cost of funding earning assets | 0.4899% | 7,004 |
| Net interest margin | 3.8788% | 3,248 |
| Noninterest income to average assets | 1.3758% | 684 |
| Noninterest expense to average assets | 2.7840% | 4,513 |
| Loan and lease loss provision to assets | 0.3864% | 2,249 |
| Net operating income to assets | 1.2386% | 1,427 |
| Return on assets (ROA) | 1.2602% | 1,419 |
| Pretax return on assets | 1.8066% | 805 |
| Return on Equity (ROE) | 11.4275% | 1,614 |
| Retained earnings to average equity (ytd only) | 10.3727% | 1,031 |
| Net charge-offs to loans | 0.5437% | 2,134 |
| Credit loss provision to net charge-offs | 140.6470% | 1,995 |
| Earnings coverage of net charge-offs (x) | 7.8692% | 1,885 |
| Efficiency ratio | 56.2856% | 6,469 |
| Assets per employee ($millions) | 7.1026% | 698 |
| Cash dividends to net income (ytd only)* | 9.2303% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7600% | 231 |
| Loan loss allowance to noncurrent loans | 744.2470% | 475 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 4,414 |
| Noncurrent loans to loans | 0.6396% | 5,755 |
| Net loans and leases to total assets | 47.3510% | 6,155 |
| Net loans and leases to deposits | 57.8737% | 5,937 |
| Net loans and leases to core deposits | 61.2609% | 5,995 |
| Total domestic deposits to total assets | 81.8179% | 5,381 |
| Equity capital to assets | 11.0883% | 2,605 |
| Core capital (leverage) ratio | 10.3137% | 2,790 |
| Tier 1 risk-based capital ratio | 16.3079% | 2,756 |
| Total risk-based capital ratio | 17.5899% | 2,704 |
| Memoranda: | ||
| Average total assets | $1,035,070,500 | 654 |
| Average earning assets | $952,778,500 | 641 |
| Average equity | $114,145,500 | 604 |
| Average total loans | $523,053,500 | 824 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6850% | 5,849 |
| Cost of funding earning assets | 0.6186% | 7,085 |
| Net interest margin | 4.0664% | 2,723 |
| Noninterest income to average assets | 0.8516% | 2,052 |
| Noninterest expense to average assets | 3.0146% | 3,790 |
| Loan and lease loss provision to assets | 0.9459% | 1,726 |
| Net operating income to assets | 0.4296% | 4,409 |
| Return on assets (ROA) | 0.5131% | 4,191 |
| Pretax return on assets | 0.6972% | 3,986 |
| Return on Equity (ROE) | 5.2417% | 3,971 |
| Retained earnings to average equity (ytd only) | 4.7876% | 2,552 |
| Net charge-offs to loans | 1.2854% | 1,741 |
| Credit loss provision to net charge-offs | 142.4639% | 2,626 |
| Earnings coverage of net charge-offs (x) | 2.3047% | 3,998 |
| Efficiency ratio | 66.3297% | 4,909 |
| Assets per employee ($millions) | 6.9800% | 745 |
| Cash dividends to net income (ytd only)* | 8.6638% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6337% | 250 |
| Loan loss allowance to noncurrent loans | 924.2998% | 394 |
| Noncurrent assets plus other real estate owned to assets | 1.4225% | 4,213 |
| Noncurrent loans to loans | 0.5013% | 6,036 |
| Net loans and leases to total assets | 48.9830% | 6,274 |
| Net loans and leases to deposits | 58.9489% | 6,159 |
| Net loans and leases to core deposits | 62.6121% | 6,183 |
| Total domestic deposits to total assets | 83.0940% | 4,757 |
| Equity capital to assets | 10.9663% | 2,720 |
| Core capital (leverage) ratio | 9.9712% | 3,128 |
| Tier 1 risk-based capital ratio | 16.1612% | 2,666 |
| Total risk-based capital ratio | 17.4439% | 2,619 |
| Memoranda: | ||
| Average total assets | $1,012,244,600 | 661 |
| Average earning assets | $919,368,400 | 655 |
| Average equity | $99,089,800 | 681 |
| Average total loans | $522,875,800 | 861 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7672% | 5,796 |
| Cost of funding earning assets | 0.6411% | 7,199 |
| Net interest margin | 4.1261% | 2,507 |
| Noninterest income to average assets | 0.7631% | 2,432 |
| Noninterest expense to average assets | 2.9808% | 3,817 |
| Loan and lease loss provision to assets | 1.0474% | 1,412 |
| Net operating income to assets | 0.3364% | 5,024 |
| Return on assets (ROA) | 0.4449% | 4,755 |
| Pretax return on assets | 0.6180% | 4,537 |
| Return on Equity (ROE) | 4.6880% | 4,456 |
| Retained earnings to average equity (ytd only) | 4.0612% | 3,615 |
| Net charge-offs to loans | 1.3570% | 1,498 |
| Credit loss provision to net charge-offs | 149.2186% | 2,608 |
| Earnings coverage of net charge-offs (x) | 2.1580% | 4,110 |
| Efficiency ratio | 66.3051% | 4,799 |
| Assets per employee ($millions) | 6.3040% | 1,074 |
| Cash dividends to net income (ytd only)* | 13.3691% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5924% | 234 |
| Loan loss allowance to noncurrent loans | 1,208.3958% | 303 |
| Noncurrent assets plus other real estate owned to assets | 1.6215% | 4,013 |
| Noncurrent loans to loans | 0.3800% | 6,432 |
| Net loans and leases to total assets | 50.1170% | 6,314 |
| Net loans and leases to deposits | 60.9981% | 6,212 |
| Net loans and leases to core deposits | 64.6693% | 6,242 |
| Total domestic deposits to total assets | 82.1616% | 4,929 |
| Equity capital to assets | 11.3092% | 2,697 |
| Core capital (leverage) ratio | 10.3191% | 2,890 |
| Tier 1 risk-based capital ratio | 16.1399% | 2,701 |
| Total risk-based capital ratio | 17.4225% | 2,635 |
| Memoranda: | ||
| Average total assets | $1,008,792,250 | 654 |
| Average earning assets | $912,544,000 | 656 |
| Average equity | $95,732,250 | 701 |
| Average total loans | $521,841,750 | 865 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 5,748 |
| Cost of funding earning assets | 0.6743% | 7,247 |
| Net interest margin | 4.1386% | 2,385 |
| Noninterest income to average assets | 0.8228% | 2,004 |
| Noninterest expense to average assets | 2.9822% | 3,769 |
| Loan and lease loss provision to assets | 1.1722% | 1,210 |
| Net operating income to assets | 0.3173% | 5,111 |
| Return on assets (ROA) | 0.4861% | 4,545 |
| Pretax return on assets | 0.6236% | 4,493 |
| Return on Equity (ROE) | 5.4686% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.4671% | 3,222 |
| Net charge-offs to loans | 1.2908% | 1,477 |
| Credit loss provision to net charge-offs | 176.4443% | 2,219 |
| Earnings coverage of net charge-offs (x) | 2.3773% | 3,805 |
| Efficiency ratio | 65.3771% | 5,085 |
| Assets per employee ($millions) | 6.2172% | 1,087 |
| Cash dividends to net income (ytd only)* | 18.3150% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5821% | 236 |
| Loan loss allowance to noncurrent loans | 274.7069% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 3,779 |
| Noncurrent loans to loans | 1.6680% | 4,193 |
| Net loans and leases to total assets | 50.5199% | 6,374 |
| Net loans and leases to deposits | 59.8474% | 6,426 |
| Net loans and leases to core deposits | 64.0672% | 6,394 |
| Total domestic deposits to total assets | 84.4146% | 3,909 |
| Equity capital to assets | 9.2548% | 5,065 |
| Core capital (leverage) ratio | 7.9524% | 6,322 |
| Tier 1 risk-based capital ratio | 12.4295% | 4,922 |
| Total risk-based capital ratio | 13.7115% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,010,944,330 | 652 |
| Average earning assets | $913,263,670 | 652 |
| Average equity | $89,857,670 | 725 |
| Average total loans | $520,282,000 | 877 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 5,867 |
| Cost of funding earning assets | 0.7119% | 7,309 |
| Net interest margin | 4.0955% | 2,460 |
| Noninterest income to average assets | 0.6296% | 3,091 |
| Noninterest expense to average assets | 3.1422% | 3,098 |
| Loan and lease loss provision to assets | 1.1481% | 1,068 |
| Net operating income to assets | 0.0210% | 6,233 |
| Return on assets (ROA) | 0.4235% | 4,878 |
| Pretax return on assets | 0.5303% | 4,857 |
| Return on Equity (ROE) | 4.8628% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.8348% | 4,432 |
| Net charge-offs to loans | 1.9324% | 893 |
| Credit loss provision to net charge-offs | 117.0937% | 2,975 |
| Earnings coverage of net charge-offs (x) | 1.1986% | 4,047 |
| Efficiency ratio | 72.7793% | 3,802 |
| Assets per employee ($millions) | 6.4501% | 1,025 |
| Cash dividends to net income (ytd only)* | 41.7053% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1879% | 318 |
| Loan loss allowance to noncurrent loans | 105.8272% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 2.6452% | 2,753 |
| Noncurrent loans to loans | 3.9573% | 1,989 |
| Net loans and leases to total assets | 50.0051% | 6,461 |
| Net loans and leases to deposits | 58.7634% | 6,572 |
| Net loans and leases to core deposits | 63.1422% | 6,513 |
| Total domestic deposits to total assets | 85.0956% | 3,617 |
| Equity capital to assets | 8.8604% | 5,460 |
| Core capital (leverage) ratio | 7.4179% | 6,920 |
| Tier 1 risk-based capital ratio | 11.4250% | 5,737 |
| Total risk-based capital ratio | 12.7014% | 5,700 |
| Memoranda: | ||
| Average total assets | $1,019,043,500 | 666 |
| Average earning assets | $917,593,000 | 665 |
| Average equity | $88,755,500 | 738 |
| Average total loans | $517,084,000 | 902 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0457% | 6,287 |
| Cost of funding earning assets | 0.8788% | 7,441 |
| Net interest margin | 4.1669% | 2,195 |
| Noninterest income to average assets | 0.6686% | 3,165 |
| Noninterest expense to average assets | 3.2845% | 3,067 |
| Loan and lease loss provision to assets | 2.3695% | 857 |
| Net operating income to assets | -0.6199% | 6,291 |
| Return on assets (ROA) | -0.5766% | 6,245 |
| Pretax return on assets | -1.1369% | 6,499 |
| Return on Equity (ROE) | -6.3872% | 6,340 |
| Retained earnings to average equity (ytd only) | -6.8319% | 6,226 |
| Net charge-offs to loans | 4.8615% | 284 |
| Credit loss provision to net charge-offs | 94.4371% | 5,834 |
| Earnings coverage of net charge-offs (x) | 0.4643% | 5,646 |
| Efficiency ratio | 73.8188% | 3,935 |
| Assets per employee ($millions) | 6.0698% | 1,205 |
| Cash dividends to net income (ytd only)* | -6.9614% | 7,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2368% | 305 |
| Loan loss allowance to noncurrent loans | 107.7277% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 2.6319% | 2,672 |
| Noncurrent loans to loans | 3.9329% | 1,891 |
| Net loans and leases to total assets | 47.2394% | 6,876 |
| Net loans and leases to deposits | 55.4362% | 6,955 |
| Net loans and leases to core deposits | 61.9329% | 7,193 |
| Total domestic deposits to total assets | 85.2141% | 3,451 |
| Equity capital to assets | 8.5627% | 5,784 |
| Core capital (leverage) ratio | 7.3150% | 6,971 |
| Tier 1 risk-based capital ratio | 10.7910% | 6,121 |
| Total risk-based capital ratio | 12.0650% | 6,069 |
| Memoranda: | ||
| Average total assets | $996,574,600 | 670 |
| Average earning assets | $904,222,800 | 668 |
| Average equity | $89,960,800 | 720 |
| Average total loans | $514,350,000 | 930 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 6,385 |
| Cost of funding earning assets | 0.8947% | 7,568 |
| Net interest margin | 4.1739% | 2,138 |
| Noninterest income to average assets | 0.6934% | 3,065 |
| Noninterest expense to average assets | 3.3174% | 2,846 |
| Loan and lease loss provision to assets | 2.3652% | 718 |
| Net operating income to assets | -0.5525% | 6,482 |
| Return on assets (ROA) | -0.4953% | 6,423 |
| Pretax return on assets | -1.0955% | 6,756 |
| Return on Equity (ROE) | -5.4136% | 6,493 |
| Retained earnings to average equity (ytd only) | -5.4136% | 6,303 |
| Net charge-offs to loans | 4.6066% | 269 |
| Credit loss provision to net charge-offs | 98.3443% | 5,203 |
| Earnings coverage of net charge-offs (x) | 0.4907% | 5,541 |
| Efficiency ratio | 73.7597% | 3,903 |
| Assets per employee ($millions) | 5.8049% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4243% | 222 |
| Loan loss allowance to noncurrent loans | 58.3245% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 4.2741% | 1,455 |
| Noncurrent loans to loans | 7.5856% | 672 |
| Net loans and leases to total assets | 48.1911% | 6,934 |
| Net loans and leases to deposits | 59.0687% | 6,897 |
| Net loans and leases to core deposits | 64.4009% | 7,230 |
| Total domestic deposits to total assets | 81.5850% | 4,838 |
| Equity capital to assets | 8.9631% | 5,534 |
| Core capital (leverage) ratio | 7.9717% | 6,408 |
| Tier 1 risk-based capital ratio | 11.5995% | 5,341 |
| Total risk-based capital ratio | 12.8752% | 5,249 |
| Memoranda: | ||
| Average total assets | $987,751,000 | 687 |
| Average earning assets | $900,234,750 | 682 |
| Average equity | $90,362,000 | 722 |
| Average total loans | $515,683,750 | 941 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9997% | 6,771 |
| Cost of funding earning assets | 0.9411% | 7,639 |
| Net interest margin | 4.0586% | 2,474 |
| Noninterest income to average assets | 0.6850% | 3,086 |
| Noninterest expense to average assets | 3.3566% | 2,764 |
| Loan and lease loss provision to assets | 2.8459% | 533 |
| Net operating income to assets | -0.7088% | 6,757 |
| Return on assets (ROA) | -0.8062% | 6,840 |
| Pretax return on assets | -1.9373% | 7,271 |
| Return on Equity (ROE) | -8.7516% | 6,949 |
| Retained earnings to average equity (ytd only) | -8.7516% | 6,745 |
| Net charge-offs to loans | 3.8859% | 367 |
| Credit loss provision to net charge-offs | 138.6377% | 3,372 |
| Earnings coverage of net charge-offs (x) | 0.5168% | 5,189 |
| Efficiency ratio | 75.9833% | 3,691 |
| Assets per employee ($millions) | 6.0367% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2823% | 108 |
| Loan loss allowance to noncurrent loans | 69.5962% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 4.0414% | 1,452 |
| Noncurrent loans to loans | 7.5899% | 609 |
| Net loans and leases to total assets | 47.1690% | 7,109 |
| Net loans and leases to deposits | 54.9365% | 7,225 |
| Net loans and leases to core deposits | 64.8533% | 7,258 |
| Total domestic deposits to total assets | 85.8609% | 2,856 |
| Equity capital to assets | 8.7103% | 5,738 |
| Core capital (leverage) ratio | 8.2411% | 5,903 |
| Tier 1 risk-based capital ratio | 11.9974% | 4,920 |
| Total risk-based capital ratio | 13.2800% | 4,816 |
| Memoranda: | ||
| Average total assets | $978,379,670 | 710 |
| Average earning assets | $899,769,330 | 702 |
| Average equity | $90,131,670 | 728 |
| Average total loans | $516,838,670 | 961 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 6,709 |
| Cost of funding earning assets | 0.9592% | 7,737 |
| Net interest margin | 4.1206% | 2,212 |
| Noninterest income to average assets | 0.6099% | 3,479 |
| Noninterest expense to average assets | 3.5398% | 2,005 |
| Loan and lease loss provision to assets | 4.6047% | 194 |
| Net operating income to assets | -1.4856% | 7,493 |
| Return on assets (ROA) | -1.6936% | 7,570 |
| Pretax return on assets | -4.0691% | 7,911 |
| Return on Equity (ROE) | -17.8657% | 7,706 |
| Retained earnings to average equity (ytd only) | -17.8657% | 7,579 |
| Net charge-offs to loans | 3.9606% | 309 |
| Credit loss provision to net charge-offs | 213.5633% | 2,111 |
| Earnings coverage of net charge-offs (x) | 0.3991% | 4,667 |
| Efficiency ratio | 80.4424% | 2,756 |
| Assets per employee ($millions) | 6.2142% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6174% | 79 |
| Loan loss allowance to noncurrent loans | 271.6373% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 1.3079% | 4,050 |
| Noncurrent loans to loans | 2.0680% | 3,171 |
| Net loans and leases to total assets | 48.6981% | 6,967 |
| Net loans and leases to deposits | 56.6181% | 7,119 |
| Net loans and leases to core deposits | 67.1128% | 7,190 |
| Total domestic deposits to total assets | 86.0116% | 2,712 |
| Equity capital to assets | 8.9879% | 5,363 |
| Core capital (leverage) ratio | 8.8559% | 4,905 |
| Tier 1 risk-based capital ratio | 12.0611% | 4,913 |
| Total risk-based capital ratio | 13.3469% | 4,776 |
| Memoranda: | ||
| Average total assets | $957,465,500 | 730 |
| Average earning assets | $880,755,000 | 719 |
| Average equity | $90,766,000 | 730 |
| Average total loans | $521,228,500 | 955 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7417% | 6,635 |
| Cost of funding earning assets | 1.1811% | 7,962 |
| Net interest margin | 4.5607% | 1,286 |
| Noninterest income to average assets | 0.7675% | 2,683 |
| Noninterest expense to average assets | 3.6695% | 2,009 |
| Loan and lease loss provision to assets | 2.3670% | 461 |
| Net operating income to assets | -0.4532% | 6,886 |
| Return on assets (ROA) | -0.4847% | 6,791 |
| Pretax return on assets | -1.1242% | 7,072 |
| Return on Equity (ROE) | -4.4396% | 6,802 |
| Retained earnings to average equity (ytd only) | -4.4396% | 6,407 |
| Net charge-offs to loans | 2.4300% | 408 |
| Credit loss provision to net charge-offs | 163.7009% | 3,149 |
| Earnings coverage of net charge-offs (x) | 0.8935% | 5,691 |
| Efficiency ratio | 73.9598% | 3,581 |
| Assets per employee ($millions) | 5.3526% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3361% | 152 |
| Loan loss allowance to noncurrent loans | 389.8285% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 4,344 |
| Noncurrent loans to loans | 1.1123% | 4,324 |
| Net loans and leases to total assets | 55.0139% | 6,545 |
| Net loans and leases to deposits | 66.7670% | 6,586 |
| Net loans and leases to core deposits | 80.0364% | 6,616 |
| Total domestic deposits to total assets | 82.3968% | 4,043 |
| Equity capital to assets | 10.0110% | 4,024 |
| Core capital (leverage) ratio | 9.7253% | 3,736 |
| Tier 1 risk-based capital ratio | 13.1624% | 4,021 |
| Total risk-based capital ratio | 14.4399% | 3,914 |
| Memoranda: | ||
| Average total assets | $857,373,400 | 793 |
| Average earning assets | $788,436,000 | 781 |
| Average equity | $93,612,200 | 716 |
| Average total loans | $510,164,400 | 940 |