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Stearns 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 | 8.9583% | 90 |
| Cost of funding earning assets | 2.6963% | 249 |
| Net interest margin | 6.2620% | 92 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 3.0431% | 1,057 |
| Loan and lease loss provision to assets | 1.4500% | 44 |
| Net operating income to assets | 1.4822% | 1,047 |
| Return on assets (ROA) | 1.4713% | 1,050 |
| Pretax return on assets | 1.9492% | 722 |
| Return on Equity (ROE) | 7.2000% | 3,228 |
| Retained earnings to average equity (ytd only) | 1.8902% | 3,604 |
| Net charge-offs to loans | 1.0312% | 101 |
| Credit loss provision to net charge-offs | 176.0275% | 1,330 |
| Earnings coverage of net charge-offs (x) | 4.1009% | 2,607 |
| Efficiency ratio | 46.7925% | 4,157 |
| Assets per employee ($millions) | 6.7671% | 2,229 |
| Cash dividends to net income (ytd only)* | 73.7426% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0800% | 112 |
| Loan loss allowance to noncurrent loans | 221.5326% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 1.6218% | 220 |
| Noncurrent loans to loans | 1.3903% | 501 |
| Net loans and leases to total assets | 80.3000% | 611 |
| Net loans and leases to deposits | 112.1248% | 165 |
| Net loans and leases to core deposits | 164.8841% | 133 |
| Total domestic deposits to total assets | 71.6200% | 4,239 |
| Equity capital to assets | 17.9879% | 350 |
| Core capital (leverage) ratio | 19.1403% | 291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0515% | 606 |
| Memoranda: | ||
| Average total assets | $2,719,024,600 | 429 |
| Average earning assets | $2,595,286,400 | 411 |
| Average equity | $555,701,200 | 246 |
| Average total loans | $2,189,625,600 | 377 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7494% | 88 |
| Cost of funding earning assets | 2.5369% | 252 |
| Net interest margin | 6.2125% | 88 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 3.3651% | 657 |
| Loan and lease loss provision to assets | 1.5300% | 40 |
| Net operating income to assets | 0.9121% | 2,636 |
| Return on assets (ROA) | 0.9270% | 2,578 |
| Pretax return on assets | 1.2461% | 2,182 |
| Return on Equity (ROE) | 4.3800% | 3,923 |
| Retained earnings to average equity (ytd only) | 2.5814% | 3,612 |
| Net charge-offs to loans | 0.8789% | 104 |
| Credit loss provision to net charge-offs | 221.7583% | 1,054 |
| Earnings coverage of net charge-offs (x) | 3.9374% | 2,424 |
| Efficiency ratio | 54.4786% | 3,551 |
| Assets per employee ($millions) | 6.1368% | 2,624 |
| Cash dividends to net income (ytd only)* | 41.0824% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3412% | 92 |
| Loan loss allowance to noncurrent loans | 187.9658% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9861% | 144 |
| Noncurrent loans to loans | 1.7776% | 369 |
| Net loans and leases to total assets | 80.5300% | 589 |
| Net loans and leases to deposits | 105.7135% | 296 |
| Net loans and leases to core deposits | 154.9553% | 128 |
| Total domestic deposits to total assets | 76.1800% | 3,995 |
| Equity capital to assets | 19.6448% | 292 |
| Core capital (leverage) ratio | 19.6876% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6796% | 506 |
| Memoranda: | ||
| Average total assets | $2,625,643,500 | 446 |
| Average earning assets | $2,504,747,250 | 421 |
| Average equity | $555,555,250 | 249 |
| Average total loans | $2,096,440,250 | 391 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7195% | 86 |
| Cost of funding earning assets | 2.2649% | 301 |
| Net interest margin | 6.4546% | 78 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 3.3873% | 610 |
| Loan and lease loss provision to assets | 1.1100% | 57 |
| Net operating income to assets | 1.5658% | 994 |
| Return on assets (ROA) | 1.5666% | 991 |
| Pretax return on assets | 2.0868% | 640 |
| Return on Equity (ROE) | 7.2100% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.4151% | 2,817 |
| Net charge-offs to loans | 0.7827% | 107 |
| Credit loss provision to net charge-offs | 185.4910% | 1,083 |
| Earnings coverage of net charge-offs (x) | 5.1941% | 2,181 |
| Efficiency ratio | 51.0547% | 3,849 |
| Assets per employee ($millions) | 6.0327% | 2,680 |
| Cash dividends to net income (ytd only)* | 24.9364% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2710% | 108 |
| Loan loss allowance to noncurrent loans | 239.4510% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7363% | 177 |
| Noncurrent loans to loans | 1.3660% | 519 |
| Net loans and leases to total assets | 74.1100% | 1,276 |
| Net loans and leases to deposits | 95.8544% | 739 |
| Net loans and leases to core deposits | 139.6822% | 217 |
| Total domestic deposits to total assets | 77.3100% | 3,916 |
| Equity capital to assets | 20.4796% | 270 |
| Core capital (leverage) ratio | 19.8547% | 275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2754% | 378 |
| Memoranda: | ||
| Average total assets | $2,559,886,000 | 441 |
| Average earning assets | $2,442,029,000 | 419 |
| Average equity | $555,888,000 | 244 |
| Average total loans | $2,011,294,000 | 389 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9549% | 63 |
| Cost of funding earning assets | 1.4265% | 978 |
| Net interest margin | 6.5284% | 73 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 3.3575% | 647 |
| Loan and lease loss provision to assets | 0.7300% | 95 |
| Net operating income to assets | 1.9186% | 555 |
| Return on assets (ROA) | 1.9193% | 547 |
| Pretax return on assets | 2.5741% | 327 |
| Return on Equity (ROE) | 8.5700% | 3,166 |
| Retained earnings to average equity (ytd only) | 8.5690% | 2,067 |
| Net charge-offs to loans | 0.3884% | 206 |
| Credit loss provision to net charge-offs | 245.6874% | 754 |
| Earnings coverage of net charge-offs (x) | 10.6911% | 1,650 |
| Efficiency ratio | 49.9527% | 3,940 |
| Assets per employee ($millions) | 6.1026% | 2,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2352% | 117 |
| Loan loss allowance to noncurrent loans | 229.8960% | 2,511 |
| Noncurrent assets plus other real estate owned to assets | 1.7289% | 165 |
| Noncurrent loans to loans | 1.4073% | 472 |
| Net loans and leases to total assets | 70.9200% | 1,533 |
| Net loans and leases to deposits | 91.8639% | 925 |
| Net loans and leases to core deposits | 143.0821% | 163 |
| Total domestic deposits to total assets | 77.2100% | 4,068 |
| Equity capital to assets | 20.4660% | 221 |
| Core capital (leverage) ratio | 24.9392% | 165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8495% | 360 |
| Memoranda: | ||
| Average total assets | $2,473,424,500 | 467 |
| Average earning assets | $2,355,985,000 | 447 |
| Average equity | $553,997,500 | 250 |
| Average total loans | $1,970,121,000 | 404 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5781% | 35 |
| Cost of funding earning assets | 0.6121% | 854 |
| Net interest margin | 6.9660% | 33 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 3.5545% | 469 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 2.9193% | 113 |
| Return on assets (ROA) | 2.9191% | 110 |
| Pretax return on assets | 3.8207% | 95 |
| Return on Equity (ROE) | 12.0700% | 2,116 |
| Retained earnings to average equity (ytd only) | 9.3084% | 1,386 |
| Net charge-offs to loans | 0.1921% | 424 |
| Credit loss provision to net charge-offs | 4.4524% | 1,969 |
| Earnings coverage of net charge-offs (x) | 24.7020% | 1,787 |
| Efficiency ratio | 47.7146% | 4,259 |
| Assets per employee ($millions) | 4.9778% | 3,700 |
| Cash dividends to net income (ytd only)* | 22.8483% | 2,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7835% | 155 |
| Loan loss allowance to noncurrent loans | 190.0361% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 2.1336% | 109 |
| Noncurrent loans to loans | 1.4647% | 446 |
| Net loans and leases to total assets | 84.9900% | 209 |
| Net loans and leases to deposits | 117.1473% | 85 |
| Net loans and leases to core deposits | 139.2079% | 150 |
| Total domestic deposits to total assets | 72.5500% | 4,412 |
| Equity capital to assets | 24.7613% | 150 |
| Core capital (leverage) ratio | 26.2078% | 149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8529% | 336 |
| Memoranda: | ||
| Average total assets | $2,174,053,400 | 516 |
| Average earning assets | $2,079,602,200 | 493 |
| Average equity | $525,996,800 | 259 |
| Average total loans | $1,753,605,400 | 418 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0873% | 37 |
| Cost of funding earning assets | 0.4757% | 859 |
| Net interest margin | 6.6116% | 35 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 3.5051% | 489 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 2.6670% | 133 |
| Return on assets (ROA) | 2.6664% | 129 |
| Pretax return on assets | 3.5613% | 105 |
| Return on Equity (ROE) | 11.0900% | 2,344 |
| Retained earnings to average equity (ytd only) | 9.6768% | 1,437 |
| Net charge-offs to loans | 0.1820% | 369 |
| Credit loss provision to net charge-offs | -70.8763% | 4,634 |
| Earnings coverage of net charge-offs (x) | 24.0936% | 1,637 |
| Efficiency ratio | 49.8601% | 4,171 |
| Assets per employee ($millions) | 4.7229% | 3,896 |
| Cash dividends to net income (ytd only)* | 12.7247% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9246% | 142 |
| Loan loss allowance to noncurrent loans | 185.0024% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 2.4030% | 92 |
| Noncurrent loans to loans | 1.5809% | 436 |
| Net loans and leases to total assets | 87.8700% | 67 |
| Net loans and leases to deposits | 124.5293% | 39 |
| Net loans and leases to core deposits | 135.6715% | 121 |
| Total domestic deposits to total assets | 70.5600% | 4,528 |
| Equity capital to assets | 26.7094% | 126 |
| Core capital (leverage) ratio | 26.4205% | 141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2169% | 307 |
| Memoranda: | ||
| Average total assets | $2,161,298,750 | 512 |
| Average earning assets | $2,071,896,250 | 494 |
| Average equity | $519,757,000 | 261 |
| Average total loans | $1,705,682,750 | 425 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7432% | 44 |
| Cost of funding earning assets | 0.3628% | 1,170 |
| Net interest margin | 6.3804% | 38 |
| Noninterest income to average assets | 0.5929% | 1,773 |
| Noninterest expense to average assets | 3.3795% | 489 |
| Loan and lease loss provision to assets | -0.1494% | 4,647 |
| Net operating income to assets | 2.6356% | 99 |
| Return on assets (ROA) | 2.6348% | 93 |
| Pretax return on assets | 3.4970% | 70 |
| Return on Equity (ROE) | 11.3379% | 1,881 |
| Retained earnings to average equity (ytd only) | 9.1956% | 1,230 |
| Net charge-offs to loans | 0.0968% | 601 |
| Credit loss provision to net charge-offs | -204.7146% | 3,214 |
| Earnings coverage of net charge-offs (x) | 45.8983% | 1,199 |
| Efficiency ratio | 49.7612% | 4,261 |
| Assets per employee ($millions) | 4.8622% | 3,800 |
| Cash dividends to net income (ytd only)* | 18.8951% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1313% | 129 |
| Loan loss allowance to noncurrent loans | 90.9754% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 2.9278% | 64 |
| Noncurrent loans to loans | 3.4420% | 133 |
| Net loans and leases to total assets | 81.0574% | 340 |
| Net loans and leases to deposits | 113.1372% | 73 |
| Net loans and leases to core deposits | 123.4663% | 157 |
| Total domestic deposits to total assets | 71.6452% | 4,590 |
| Equity capital to assets | 25.0856% | 92 |
| Core capital (leverage) ratio | 24.8385% | 103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4231% | 281 |
| Memoranda: | ||
| Average total assets | $2,209,511,667 | 503 |
| Average earning assets | $2,124,595,667 | 486 |
| Average equity | $513,463,667 | 263 |
| Average total loans | $1,665,753,667 | 425 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1986% | 60 |
| Cost of funding earning assets | 0.3576% | 1,146 |
| Net interest margin | 5.8409% | 54 |
| Noninterest income to average assets | 0.4797% | 2,236 |
| Noninterest expense to average assets | 3.2066% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1568% | 168 |
| Return on assets (ROA) | 2.1561% | 168 |
| Pretax return on assets | 2.8870% | 114 |
| Return on Equity (ROE) | 9.6321% | 2,111 |
| Retained earnings to average equity (ytd only) | 5.2958% | 2,479 |
| Net charge-offs to loans | 0.1206% | 454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 33.4622% | 1,084 |
| Efficiency ratio | 52.1111% | 4,193 |
| Assets per employee ($millions) | 5.2016% | 3,583 |
| Cash dividends to net income (ytd only)* | 45.0192% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3530% | 115 |
| Loan loss allowance to noncurrent loans | 73.0532% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 3.4962% | 49 |
| Noncurrent loans to loans | 4.5899% | 74 |
| Net loans and leases to total assets | 73.4671% | 700 |
| Net loans and leases to deposits | 100.1238% | 172 |
| Net loans and leases to core deposits | 110.8807% | 241 |
| Total domestic deposits to total assets | 73.3763% | 4,592 |
| Equity capital to assets | 22.8495% | 110 |
| Core capital (leverage) ratio | 22.5725% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4308% | 280 |
| Memoranda: | ||
| Average total assets | $2,266,456,500 | 492 |
| Average earning assets | $2,178,698,500 | 471 |
| Average equity | $507,345,500 | 269 |
| Average total loans | $1,621,847,500 | 435 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2268% | 68 |
| Cost of funding earning assets | 0.6063% | 528 |
| Net interest margin | 5.6205% | 75 |
| Noninterest income to average assets | 0.7719% | 1,532 |
| Noninterest expense to average assets | 3.1362% | 803 |
| Loan and lease loss provision to assets | -1.2143% | 4,836 |
| Net operating income to assets | 3.1998% | 88 |
| Return on assets (ROA) | 3.2014% | 91 |
| Pretax return on assets | 4.2663% | 70 |
| Return on Equity (ROE) | 14.7827% | 998 |
| Retained earnings to average equity (ytd only) | 6.9922% | 1,919 |
| Net charge-offs to loans | 0.5973% | 135 |
| Credit loss provision to net charge-offs | -291.9507% | 3,607 |
| Earnings coverage of net charge-offs (x) | 7.3331% | 2,346 |
| Efficiency ratio | 50.4073% | 4,253 |
| Assets per employee ($millions) | 5.3274% | 3,446 |
| Cash dividends to net income (ytd only)* | 52.6998% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7072% | 82 |
| Loan loss allowance to noncurrent loans | 70.9536% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 3.5200% | 54 |
| Noncurrent loans to loans | 5.2249% | 68 |
| Net loans and leases to total assets | 64.7443% | 1,616 |
| Net loans and leases to deposits | 87.2066% | 699 |
| Net loans and leases to core deposits | 98.6358% | 589 |
| Total domestic deposits to total assets | 74.2424% | 4,577 |
| Equity capital to assets | 21.9345% | 125 |
| Core capital (leverage) ratio | 21.7660% | 129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9600% | 239 |
| Memoranda: | ||
| Average total assets | $2,264,161,600 | 472 |
| Average earning assets | $2,181,102,800 | 454 |
| Average equity | $490,345,000 | 271 |
| Average total loans | $1,576,551,000 | 449 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2728% | 71 |
| Cost of funding earning assets | 0.6561% | 485 |
| Net interest margin | 5.6167% | 81 |
| Noninterest income to average assets | 0.8501% | 1,383 |
| Noninterest expense to average assets | 3.0523% | 890 |
| Loan and lease loss provision to assets | -0.8747% | 4,903 |
| Net operating income to assets | 3.0591% | 118 |
| Return on assets (ROA) | 3.0591% | 120 |
| Pretax return on assets | 4.0846% | 83 |
| Return on Equity (ROE) | 14.1718% | 1,344 |
| Retained earnings to average equity (ytd only) | 5.8991% | 2,872 |
| Net charge-offs to loans | 0.9415% | 71 |
| Credit loss provision to net charge-offs | -132.2693% | 3,280 |
| Earnings coverage of net charge-offs (x) | 4.8538% | 2,245 |
| Efficiency ratio | 48.7418% | 4,317 |
| Assets per employee ($millions) | 5.4818% | 3,217 |
| Cash dividends to net income (ytd only)* | 58.3744% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5397% | 48 |
| Loan loss allowance to noncurrent loans | 82.0694% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 3.6837% | 54 |
| Noncurrent loans to loans | 5.5315% | 63 |
| Net loans and leases to total assets | 62.9791% | 1,891 |
| Net loans and leases to deposits | 84.1730% | 951 |
| Net loans and leases to core deposits | 99.9574% | 584 |
| Total domestic deposits to total assets | 74.8210% | 4,609 |
| Equity capital to assets | 21.5837% | 143 |
| Core capital (leverage) ratio | 21.7644% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2641% | 246 |
| Memoranda: | ||
| Average total assets | $2,254,845,000 | 476 |
| Average earning assets | $2,172,722,750 | 461 |
| Average equity | $486,729,500 | 274 |
| Average total loans | $1,583,836,250 | 454 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1259% | 85 |
| Cost of funding earning assets | 0.7093% | 445 |
| Net interest margin | 5.4166% | 108 |
| Noninterest income to average assets | 1.0056% | 1,062 |
| Noninterest expense to average assets | 2.9443% | 1,077 |
| Loan and lease loss provision to assets | -0.4897% | 4,905 |
| Net operating income to assets | 2.8318% | 150 |
| Return on assets (ROA) | 2.8318% | 155 |
| Pretax return on assets | 3.7725% | 104 |
| Return on Equity (ROE) | 13.1184% | 1,667 |
| Retained earnings to average equity (ytd only) | 12.2935% | 854 |
| Net charge-offs to loans | 1.3447% | 51 |
| Credit loss provision to net charge-offs | -50.7989% | 2,985 |
| Earnings coverage of net charge-offs (x) | 3.4055% | 2,073 |
| Efficiency ratio | 47.2820% | 4,440 |
| Assets per employee ($millions) | 5.2067% | 3,449 |
| Cash dividends to net income (ytd only)* | 6.2881% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1918% | 33 |
| Loan loss allowance to noncurrent loans | 106.9171% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 3.3787% | 80 |
| Noncurrent loans to loans | 4.8559% | 90 |
| Net loans and leases to total assets | 65.7182% | 1,717 |
| Net loans and leases to deposits | 89.2159% | 701 |
| Net loans and leases to core deposits | 113.1317% | 298 |
| Total domestic deposits to total assets | 73.6620% | 4,667 |
| Equity capital to assets | 23.1109% | 114 |
| Core capital (leverage) ratio | 20.6142% | 160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5386% | 208 |
| Memoranda: | ||
| Average total assets | $2,246,317,000 | 475 |
| Average earning assets | $2,165,399,667 | 457 |
| Average equity | $484,906,000 | 273 |
| Average total loans | $1,610,284,000 | 447 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8797% | 128 |
| Cost of funding earning assets | 0.7201% | 508 |
| Net interest margin | 5.1596% | 155 |
| Noninterest income to average assets | 0.9239% | 1,270 |
| Noninterest expense to average assets | 2.8285% | 1,312 |
| Loan and lease loss provision to assets | 0.1749% | 710 |
| Net operating income to assets | 2.1675% | 443 |
| Return on assets (ROA) | 2.1675% | 476 |
| Pretax return on assets | 2.9021% | 257 |
| Return on Equity (ROE) | 10.3884% | 2,567 |
| Retained earnings to average equity (ytd only) | 10.3884% | 1,547 |
| Net charge-offs to loans | 2.2250% | 31 |
| Credit loss provision to net charge-offs | 10.7991% | 1,446 |
| Earnings coverage of net charge-offs (x) | 1.8995% | 1,829 |
| Efficiency ratio | 47.8953% | 4,345 |
| Assets per employee ($millions) | 5.7435% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3978% | 33 |
| Loan loss allowance to noncurrent loans | 101.1144% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 3.5585% | 72 |
| Noncurrent loans to loans | 5.3383% | 68 |
| Net loans and leases to total assets | 62.7931% | 2,195 |
| Net loans and leases to deposits | 81.1698% | 1,411 |
| Net loans and leases to core deposits | 106.3004% | 501 |
| Total domestic deposits to total assets | 77.3603% | 4,492 |
| Equity capital to assets | 20.1264% | 183 |
| Core capital (leverage) ratio | 20.8896% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0296% | 218 |
| Memoranda: | ||
| Average total assets | $2,286,479,500 | 465 |
| Average earning assets | $2,207,614,000 | 445 |
| Average equity | $477,068,500 | 275 |
| Average total loans | $1,664,726,000 | 426 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3826% | 35 |
| Cost of funding earning assets | 1.0779% | 438 |
| Net interest margin | 6.3047% | 34 |
| Noninterest income to average assets | 1.3555% | 635 |
| Noninterest expense to average assets | 2.9030% | 1,677 |
| Loan and lease loss provision to assets | 2.3361% | 25 |
| Net operating income to assets | 1.7530% | 433 |
| Return on assets (ROA) | 1.7530% | 472 |
| Pretax return on assets | 2.2280% | 286 |
| Return on Equity (ROE) | 8.5820% | 2,561 |
| Retained earnings to average equity (ytd only) | 6.4996% | 1,591 |
| Net charge-offs to loans | 1.2699% | 89 |
| Credit loss provision to net charge-offs | 207.2246% | 2,127 |
| Earnings coverage of net charge-offs (x) | 4.0487% | 3,035 |
| Efficiency ratio | 38.8775% | 4,891 |
| Assets per employee ($millions) | 5.3370% | 3,010 |
| Cash dividends to net income (ytd only)* | 24.2638% | 3,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4309% | 34 |
| Loan loss allowance to noncurrent loans | 127.9099% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 3.4100% | 88 |
| Noncurrent loans to loans | 4.2459% | 125 |
| Net loans and leases to total assets | 75.5755% | 834 |
| Net loans and leases to deposits | 100.4311% | 360 |
| Net loans and leases to core deposits | 150.3265% | 87 |
| Total domestic deposits to total assets | 75.2512% | 4,560 |
| Equity capital to assets | 21.6809% | 148 |
| Core capital (leverage) ratio | 21.9601% | 133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4233% | 258 |
| Memoranda: | ||
| Average total assets | $2,233,469,000 | 434 |
| Average earning assets | $2,165,050,400 | 415 |
| Average equity | $456,224,800 | 273 |
| Average total loans | $1,982,609,000 | 356 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4839% | 35 |
| Cost of funding earning assets | 1.1570% | 425 |
| Net interest margin | 6.3269% | 34 |
| Noninterest income to average assets | 1.5065% | 514 |
| Noninterest expense to average assets | 2.8632% | 1,792 |
| Loan and lease loss provision to assets | 3.0934% | 21 |
| Net operating income to assets | 1.2748% | 1,410 |
| Return on assets (ROA) | 1.2748% | 1,521 |
| Pretax return on assets | 1.6882% | 990 |
| Return on Equity (ROE) | 6.3350% | 3,436 |
| Retained earnings to average equity (ytd only) | 5.7457% | 2,211 |
| Net charge-offs to loans | 1.2020% | 107 |
| Credit loss provision to net charge-offs | 283.0982% | 1,814 |
| Earnings coverage of net charge-offs (x) | 4.3759% | 2,825 |
| Efficiency ratio | 37.4526% | 4,940 |
| Assets per employee ($millions) | 5.4133% | 2,785 |
| Cash dividends to net income (ytd only)* | 9.3015% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3840% | 38 |
| Loan loss allowance to noncurrent loans | 146.1447% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 3.1444% | 136 |
| Noncurrent loans to loans | 3.6840% | 199 |
| Net loans and leases to total assets | 80.5792% | 556 |
| Net loans and leases to deposits | 104.4329% | 376 |
| Net loans and leases to core deposits | 171.8823% | 65 |
| Total domestic deposits to total assets | 77.1588% | 4,302 |
| Equity capital to assets | 20.9153% | 182 |
| Core capital (leverage) ratio | 20.7045% | 178 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0438% | 330 |
| Memoranda: | ||
| Average total assets | $2,248,793,750 | 424 |
| Average earning assets | $2,181,725,250 | 399 |
| Average equity | $452,544,750 | 271 |
| Average total loans | $2,044,285,000 | 346 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6755% | 37 |
| Cost of funding earning assets | 1.2590% | 421 |
| Net interest margin | 6.4165% | 49 |
| Noninterest income to average assets | 1.4661% | 489 |
| Noninterest expense to average assets | 3.0974% | 1,362 |
| Loan and lease loss provision to assets | 2.7098% | 33 |
| Net operating income to assets | 1.4251% | 1,060 |
| Return on assets (ROA) | 1.4251% | 1,151 |
| Pretax return on assets | 1.8823% | 694 |
| Return on Equity (ROE) | 7.1731% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.1731% | 1,585 |
| Net charge-offs to loans | 1.3655% | 95 |
| Credit loss provision to net charge-offs | 213.9121% | 1,860 |
| Earnings coverage of net charge-offs (x) | 3.6250% | 2,665 |
| Efficiency ratio | 40.2808% | 4,910 |
| Assets per employee ($millions) | 5.1960% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0419% | 61 |
| Loan loss allowance to noncurrent loans | 116.7549% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 3.1172% | 148 |
| Noncurrent loans to loans | 3.4619% | 233 |
| Net loans and leases to total assets | 86.2385% | 127 |
| Net loans and leases to deposits | 109.7370% | 235 |
| Net loans and leases to core deposits | 199.6217% | 44 |
| Total domestic deposits to total assets | 78.5865% | 4,097 |
| Equity capital to assets | 19.8750% | 218 |
| Core capital (leverage) ratio | 19.4895% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2689% | 483 |
| Memoranda: | ||
| Average total assets | $2,263,981,333 | 415 |
| Average earning assets | $2,195,830,667 | 391 |
| Average equity | $449,789,000 | 274 |
| Average total loans | $2,100,257,000 | 329 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0178% | 43 |
| Cost of funding earning assets | 1.4121% | 371 |
| Net interest margin | 6.6057% | 42 |
| Noninterest income to average assets | 1.5618% | 367 |
| Noninterest expense to average assets | 3.4004% | 1,064 |
| Loan and lease loss provision to assets | 2.3875% | 51 |
| Net operating income to assets | 1.6782% | 536 |
| Return on assets (ROA) | 1.6782% | 590 |
| Pretax return on assets | 2.1747% | 315 |
| Return on Equity (ROE) | 8.4487% | 2,333 |
| Retained earnings to average equity (ytd only) | 8.4487% | 1,114 |
| Net charge-offs to loans | 1.2419% | 123 |
| Credit loss provision to net charge-offs | 203.9574% | 1,403 |
| Earnings coverage of net charge-offs (x) | 3.8974% | 2,174 |
| Efficiency ratio | 42.7043% | 4,924 |
| Assets per employee ($millions) | 4.3682% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5687% | 97 |
| Loan loss allowance to noncurrent loans | 118.9551% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 2.8193% | 222 |
| Noncurrent loans to loans | 3.0001% | 358 |
| Net loans and leases to total assets | 90.4199% | 28 |
| Net loans and leases to deposits | 116.6776% | 109 |
| Net loans and leases to core deposits | 227.6864% | 29 |
| Total domestic deposits to total assets | 77.4955% | 4,297 |
| Equity capital to assets | 20.3518% | 230 |
| Core capital (leverage) ratio | 20.3650% | 224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1057% | 633 |
| Memoranda: | ||
| Average total assets | $2,245,051,500 | 409 |
| Average earning assets | $2,175,407,000 | 382 |
| Average equity | $445,938,500 | 278 |
| Average total loans | $2,116,041,500 | 318 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2793% | 42 |
| Cost of funding earning assets | 1.5256% | 371 |
| Net interest margin | 6.7537% | 43 |
| Noninterest income to average assets | 1.5523% | 386 |
| Noninterest expense to average assets | 3.9341% | 572 |
| Loan and lease loss provision to assets | 1.0104% | 93 |
| Net operating income to assets | 2.4191% | 150 |
| Return on assets (ROA) | 2.4073% | 160 |
| Pretax return on assets | 3.1382% | 91 |
| Return on Equity (ROE) | 12.1966% | 1,437 |
| Retained earnings to average equity (ytd only) | 8.3020% | 888 |
| Net charge-offs to loans | 0.8087% | 209 |
| Credit loss provision to net charge-offs | 132.0391% | 1,931 |
| Earnings coverage of net charge-offs (x) | 5.4412% | 3,086 |
| Efficiency ratio | 48.5831% | 4,803 |
| Assets per employee ($millions) | 4.4704% | 3,275 |
| Cash dividends to net income (ytd only)* | 31.9324% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1213% | 112 |
| Loan loss allowance to noncurrent loans | 117.2537% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 2.6363% | 235 |
| Noncurrent loans to loans | 2.6620% | 390 |
| Net loans and leases to total assets | 91.7712% | 19 |
| Net loans and leases to deposits | 117.6162% | 93 |
| Net loans and leases to core deposits | 241.0220% | 29 |
| Total domestic deposits to total assets | 78.0260% | 4,354 |
| Equity capital to assets | 19.3876% | 275 |
| Core capital (leverage) ratio | 19.9966% | 240 |
| Tier 1 risk-based capital ratio | 19.7127% | 1,365 |
| Total risk-based capital ratio | 20.9848% | 1,336 |
| Memoranda: | ||
| Average total assets | $2,167,548,000 | 401 |
| Average earning assets | $2,100,664,200 | 372 |
| Average equity | $427,814,600 | 276 |
| Average total loans | $2,050,861,200 | 316 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2697% | 41 |
| Cost of funding earning assets | 1.5413% | 361 |
| Net interest margin | 6.7284% | 42 |
| Noninterest income to average assets | 1.7584% | 323 |
| Noninterest expense to average assets | 4.0621% | 495 |
| Loan and lease loss provision to assets | 1.0433% | 85 |
| Net operating income to assets | 2.3944% | 192 |
| Return on assets (ROA) | 2.3944% | 199 |
| Pretax return on assets | 3.1752% | 96 |
| Return on Equity (ROE) | 12.0744% | 1,595 |
| Retained earnings to average equity (ytd only) | 12.0744% | 376 |
| Net charge-offs to loans | 0.7728% | 208 |
| Credit loss provision to net charge-offs | 142.7354% | 1,702 |
| Earnings coverage of net charge-offs (x) | 5.7714% | 2,890 |
| Efficiency ratio | 49.0556% | 4,796 |
| Assets per employee ($millions) | 4.1625% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2088% | 113 |
| Loan loss allowance to noncurrent loans | 132.1000% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 2.3943% | 305 |
| Noncurrent loans to loans | 2.4290% | 488 |
| Net loans and leases to total assets | 92.9858% | 11 |
| Net loans and leases to deposits | 122.1126% | 79 |
| Net loans and leases to core deposits | 256.5842% | 28 |
| Total domestic deposits to total assets | 76.1476% | 4,637 |
| Equity capital to assets | 20.4383% | 241 |
| Core capital (leverage) ratio | 20.1464% | 244 |
| Tier 1 risk-based capital ratio | 20.4643% | 1,295 |
| Total risk-based capital ratio | 21.7374% | 1,254 |
| Memoranda: | ||
| Average total assets | $2,140,576,500 | 405 |
| Average earning assets | $2,074,973,250 | 379 |
| Average equity | $424,480,250 | 279 |
| Average total loans | $2,024,708,500 | 324 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1050% | 47 |
| Cost of funding earning assets | 1.4861% | 393 |
| Net interest margin | 6.6188% | 46 |
| Noninterest income to average assets | 1.7709% | 315 |
| Noninterest expense to average assets | 4.1178% | 458 |
| Loan and lease loss provision to assets | 0.9860% | 98 |
| Net operating income to assets | 2.3310% | 201 |
| Return on assets (ROA) | 2.3310% | 209 |
| Pretax return on assets | 3.0889% | 111 |
| Return on Equity (ROE) | 11.8787% | 1,622 |
| Retained earnings to average equity (ytd only) | 11.8787% | 418 |
| Net charge-offs to loans | 0.6638% | 230 |
| Credit loss provision to net charge-offs | 157.8710% | 1,436 |
| Earnings coverage of net charge-offs (x) | 6.5244% | 2,559 |
| Efficiency ratio | 50.2619% | 4,767 |
| Assets per employee ($millions) | 5.5487% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2019% | 110 |
| Loan loss allowance to noncurrent loans | 132.1991% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 2.2685% | 358 |
| Noncurrent loans to loans | 2.4220% | 500 |
| Net loans and leases to total assets | 88.3216% | 97 |
| Net loans and leases to deposits | 112.6614% | 171 |
| Net loans and leases to core deposits | 257.5589% | 28 |
| Total domestic deposits to total assets | 78.3956% | 4,331 |
| Equity capital to assets | 19.1072% | 290 |
| Core capital (leverage) ratio | 20.5772% | 216 |
| Tier 1 risk-based capital ratio | 20.1461% | 1,323 |
| Total risk-based capital ratio | 21.4191% | 1,289 |
| Memoranda: | ||
| Average total assets | $2,129,821,330 | 405 |
| Average earning assets | $2,066,416,000 | 382 |
| Average equity | $417,942,670 | 282 |
| Average total loans | $2,003,806,670 | 330 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2290% | 42 |
| Cost of funding earning assets | 1.4811% | 346 |
| Net interest margin | 6.7479% | 42 |
| Noninterest income to average assets | 1.7914% | 285 |
| Noninterest expense to average assets | 4.2235% | 390 |
| Loan and lease loss provision to assets | 0.9186% | 99 |
| Net operating income to assets | 2.4093% | 189 |
| Return on assets (ROA) | 2.4093% | 199 |
| Pretax return on assets | 3.1879% | 111 |
| Return on Equity (ROE) | 12.1041% | 1,498 |
| Retained earnings to average equity (ytd only) | 12.1041% | 594 |
| Net charge-offs to loans | 0.5679% | 267 |
| Credit loss provision to net charge-offs | 169.1595% | 1,156 |
| Earnings coverage of net charge-offs (x) | 7.5620% | 2,125 |
| Efficiency ratio | 50.7023% | 4,777 |
| Assets per employee ($millions) | 5.1414% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2309% | 105 |
| Loan loss allowance to noncurrent loans | 137.0219% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 2.3376% | 355 |
| Noncurrent loans to loans | 2.3580% | 570 |
| Net loans and leases to total assets | 92.6074% | 14 |
| Net loans and leases to deposits | 119.7916% | 88 |
| Net loans and leases to core deposits | 254.2168% | 33 |
| Total domestic deposits to total assets | 77.3071% | 4,619 |
| Equity capital to assets | 20.2230% | 232 |
| Core capital (leverage) ratio | 20.5653% | 221 |
| Tier 1 risk-based capital ratio | 20.6522% | 1,221 |
| Total risk-based capital ratio | 21.9262% | 1,193 |
| Memoranda: | ||
| Average total assets | $2,068,350,500 | 416 |
| Average earning assets | $2,004,178,500 | 391 |
| Average equity | $411,694,500 | 284 |
| Average total loans | $1,977,965,000 | 336 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1140% | 41 |
| Cost of funding earning assets | 1.1553% | 407 |
| Net interest margin | 6.9588% | 40 |
| Noninterest income to average assets | 1.3612% | 492 |
| Noninterest expense to average assets | 3.9099% | 594 |
| Loan and lease loss provision to assets | 0.9239% | 98 |
| Net operating income to assets | 2.5593% | 136 |
| Return on assets (ROA) | 2.5628% | 133 |
| Pretax return on assets | 3.2435% | 79 |
| Return on Equity (ROE) | 12.7416% | 1,446 |
| Retained earnings to average equity (ytd only) | 9.9102% | 634 |
| Net charge-offs to loans | 0.6669% | 251 |
| Credit loss provision to net charge-offs | 143.0729% | 1,900 |
| Earnings coverage of net charge-offs (x) | 6.4470% | 3,089 |
| Efficiency ratio | 48.4322% | 5,024 |
| Assets per employee ($millions) | 5.2401% | 2,212 |
| Cash dividends to net income (ytd only)* | 22.2218% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1328% | 111 |
| Loan loss allowance to noncurrent loans | 128.8280% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 2.3827% | 337 |
| Noncurrent loans to loans | 2.4317% | 512 |
| Net loans and leases to total assets | 92.5672% | 21 |
| Net loans and leases to deposits | 118.0713% | 118 |
| Net loans and leases to core deposits | 261.3439% | 29 |
| Total domestic deposits to total assets | 78.3994% | 4,423 |
| Equity capital to assets | 19.5864% | 248 |
| Core capital (leverage) ratio | 20.1816% | 224 |
| Tier 1 risk-based capital ratio | 20.5079% | 1,225 |
| Total risk-based capital ratio | 21.7816% | 1,196 |
| Memoranda: | ||
| Average total assets | $1,948,360,400 | 421 |
| Average earning assets | $1,879,149,200 | 410 |
| Average equity | $391,890,200 | 283 |
| Average total loans | $1,886,462,000 | 342 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9015% | 42 |
| Cost of funding earning assets | 1.0751% | 439 |
| Net interest margin | 6.8264% | 41 |
| Noninterest income to average assets | 1.6299% | 368 |
| Noninterest expense to average assets | 3.5277% | 947 |
| Loan and lease loss provision to assets | 0.8342% | 106 |
| Net operating income to assets | 2.9391% | 85 |
| Return on assets (ROA) | 2.9470% | 84 |
| Pretax return on assets | 3.8554% | 61 |
| Return on Equity (ROE) | 14.5485% | 971 |
| Retained earnings to average equity (ytd only) | 13.4438% | 309 |
| Net charge-offs to loans | 0.5647% | 264 |
| Credit loss provision to net charge-offs | 152.0334% | 1,683 |
| Earnings coverage of net charge-offs (x) | 8.5288% | 2,698 |
| Efficiency ratio | 42.9823% | 5,250 |
| Assets per employee ($millions) | 5.1984% | 2,221 |
| Cash dividends to net income (ytd only)* | 7.5932% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1809% | 118 |
| Loan loss allowance to noncurrent loans | 127.8628% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 2.5176% | 341 |
| Noncurrent loans to loans | 2.4877% | 524 |
| Net loans and leases to total assets | 95.4675% | 3 |
| Net loans and leases to deposits | 125.2122% | 72 |
| Net loans and leases to core deposits | 262.2762% | 27 |
| Total domestic deposits to total assets | 76.2446% | 4,760 |
| Equity capital to assets | 20.9793% | 194 |
| Core capital (leverage) ratio | 21.4812% | 179 |
| Tier 1 risk-based capital ratio | 20.8185% | 1,209 |
| Total risk-based capital ratio | 22.0919% | 1,181 |
| Memoranda: | ||
| Average total assets | $1,917,989,500 | 424 |
| Average earning assets | $1,848,065,000 | 410 |
| Average equity | $388,510,750 | 283 |
| Average total loans | $1,863,587,250 | 344 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7811% | 43 |
| Cost of funding earning assets | 1.0220% | 421 |
| Net interest margin | 6.7590% | 40 |
| Noninterest income to average assets | 1.8062% | 320 |
| Noninterest expense to average assets | 3.3102% | 1,295 |
| Loan and lease loss provision to assets | 0.7842% | 120 |
| Net operating income to assets | 3.2161% | 68 |
| Return on assets (ROA) | 3.2210% | 69 |
| Pretax return on assets | 4.2217% | 55 |
| Return on Equity (ROE) | 16.0948% | 656 |
| Retained earnings to average equity (ytd only) | 16.0948% | 154 |
| Net charge-offs to loans | 0.6092% | 240 |
| Credit loss provision to net charge-offs | 133.1440% | 1,697 |
| Earnings coverage of net charge-offs (x) | 8.4885% | 2,471 |
| Efficiency ratio | 39.8337% | 5,404 |
| Assets per employee ($millions) | 5.9634% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2107% | 113 |
| Loan loss allowance to noncurrent loans | 128.0004% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 2.7491% | 295 |
| Noncurrent loans to loans | 2.5084% | 518 |
| Net loans and leases to total assets | 94.6420% | 6 |
| Net loans and leases to deposits | 123.0987% | 81 |
| Net loans and leases to core deposits | 250.1922% | 28 |
| Total domestic deposits to total assets | 76.8830% | 4,749 |
| Equity capital to assets | 21.3615% | 179 |
| Core capital (leverage) ratio | 21.3765% | 182 |
| Tier 1 risk-based capital ratio | 21.2371% | 1,138 |
| Total risk-based capital ratio | 22.5107% | 1,114 |
| Memoranda: | ||
| Average total assets | $1,912,721,670 | 426 |
| Average earning assets | $1,840,466,000 | 412 |
| Average equity | $382,782,000 | 286 |
| Average total loans | $1,849,184,000 | 344 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6932% | 41 |
| Cost of funding earning assets | 0.9871% | 389 |
| Net interest margin | 6.7062% | 38 |
| Noninterest income to average assets | 2.0854% | 260 |
| Noninterest expense to average assets | 3.1378% | 1,720 |
| Loan and lease loss provision to assets | 0.6189% | 164 |
| Net operating income to assets | 3.5675% | 58 |
| Return on assets (ROA) | 3.5705% | 58 |
| Pretax return on assets | 4.7789% | 49 |
| Return on Equity (ROE) | 18.4377% | 367 |
| Retained earnings to average equity (ytd only) | 18.4377% | 139 |
| Net charge-offs to loans | 0.4596% | 329 |
| Credit loss provision to net charge-offs | 140.0560% | 1,271 |
| Earnings coverage of net charge-offs (x) | 12.2059% | 1,813 |
| Efficiency ratio | 36.7776% | 5,508 |
| Assets per employee ($millions) | 6.0538% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1590% | 126 |
| Loan loss allowance to noncurrent loans | 127.3465% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 2.6949% | 327 |
| Noncurrent loans to loans | 2.4807% | 552 |
| Net loans and leases to total assets | 93.1675% | 9 |
| Net loans and leases to deposits | 120.0876% | 113 |
| Net loans and leases to core deposits | 264.9584% | 29 |
| Total domestic deposits to total assets | 77.5830% | 4,790 |
| Equity capital to assets | 20.3320% | 203 |
| Core capital (leverage) ratio | 19.8343% | 219 |
| Tier 1 risk-based capital ratio | 20.5149% | 1,259 |
| Total risk-based capital ratio | 21.7878% | 1,240 |
| Memoranda: | ||
| Average total assets | $1,938,791,000 | 429 |
| Average earning assets | $1,863,721,000 | 415 |
| Average equity | $375,448,500 | 294 |
| Average total loans | $1,864,123,000 | 341 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9957% | 39 |
| Cost of funding earning assets | 0.8145% | 574 |
| Net interest margin | 7.1812% | 37 |
| Noninterest income to average assets | 1.7947% | 346 |
| Noninterest expense to average assets | 3.3383% | 1,306 |
| Loan and lease loss provision to assets | 0.9554% | 104 |
| Net operating income to assets | 2.3895% | 140 |
| Return on assets (ROA) | 2.3895% | 141 |
| Pretax return on assets | 4.3684% | 60 |
| Return on Equity (ROE) | 13.1897% | 912 |
| Retained earnings to average equity (ytd only) | 12.3345% | 161 |
| Net charge-offs to loans | 0.6220% | 366 |
| Credit loss provision to net charge-offs | 163.2833% | 1,641 |
| Earnings coverage of net charge-offs (x) | 9.0985% | 2,829 |
| Efficiency ratio | 38.5390% | 5,547 |
| Assets per employee ($millions) | 6.4363% | 1,242 |
| Cash dividends to net income (ytd only)* | 6.4838% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9588% | 151 |
| Loan loss allowance to noncurrent loans | 144.2868% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 2.2726% | 441 |
| Noncurrent loans to loans | 2.0506% | 737 |
| Net loans and leases to total assets | 93.2504% | 13 |
| Net loans and leases to deposits | 117.8208% | 131 |
| Net loans and leases to core deposits | 268.1266% | 27 |
| Total domestic deposits to total assets | 79.1459% | 4,511 |
| Equity capital to assets | 18.4468% | 279 |
| Core capital (leverage) ratio | 18.9044% | 240 |
| Tier 1 risk-based capital ratio | 18.7345% | 1,578 |
| Total risk-based capital ratio | 20.0123% | 1,527 |
| Memoranda: | ||
| Average total assets | $1,936,316,000 | 422 |
| Average earning assets | $1,851,686,600 | 405 |
| Average equity | $350,795,800 | 291 |
| Average total loans | $1,821,621,400 | 336 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0202% | 39 |
| Cost of funding earning assets | 0.7855% | 627 |
| Net interest margin | 7.2346% | 35 |
| Noninterest income to average assets | 2.2316% | 262 |
| Noninterest expense to average assets | 3.0760% | 1,875 |
| Loan and lease loss provision to assets | 1.0746% | 98 |
| Net operating income to assets | 3.1310% | 72 |
| Return on assets (ROA) | 3.1310% | 71 |
| Pretax return on assets | 4.9914% | 54 |
| Return on Equity (ROE) | 17.3644% | 387 |
| Retained earnings to average equity (ytd only) | 17.3644% | 69 |
| Net charge-offs to loans | 0.5856% | 335 |
| Credit loss provision to net charge-offs | 196.1529% | 1,363 |
| Earnings coverage of net charge-offs (x) | 11.0728% | 2,534 |
| Efficiency ratio | 33.6470% | 5,668 |
| Assets per employee ($millions) | 6.2779% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1192% | 140 |
| Loan loss allowance to noncurrent loans | 178.4732% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 2.0291% | 630 |
| Noncurrent loans to loans | 1.7477% | 1,027 |
| Net loans and leases to total assets | 90.3448% | 68 |
| Net loans and leases to deposits | 114.7866% | 170 |
| Net loans and leases to core deposits | 251.1568% | 32 |
| Total domestic deposits to total assets | 78.7068% | 4,592 |
| Equity capital to assets | 18.8309% | 278 |
| Core capital (leverage) ratio | 19.0621% | 248 |
| Tier 1 risk-based capital ratio | 19.1226% | 1,550 |
| Total risk-based capital ratio | 20.4008% | 1,511 |
| Memoranda: | ||
| Average total assets | $1,923,194,250 | 426 |
| Average earning assets | $1,836,969,250 | 412 |
| Average equity | $346,777,000 | 296 |
| Average total loans | $1,799,248,500 | 340 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0599% | 38 |
| Cost of funding earning assets | 0.7424% | 711 |
| Net interest margin | 7.3175% | 36 |
| Noninterest income to average assets | 2.6055% | 214 |
| Noninterest expense to average assets | 3.2765% | 1,415 |
| Loan and lease loss provision to assets | 1.0987% | 89 |
| Net operating income to assets | 3.2637% | 71 |
| Return on assets (ROA) | 3.2637% | 72 |
| Pretax return on assets | 5.2189% | 50 |
| Return on Equity (ROE) | 18.3783% | 304 |
| Retained earnings to average equity (ytd only) | 18.3783% | 73 |
| Net charge-offs to loans | 0.5667% | 347 |
| Credit loss provision to net charge-offs | 207.0189% | 1,239 |
| Earnings coverage of net charge-offs (x) | 11.9038% | 2,233 |
| Efficiency ratio | 34.1513% | 5,712 |
| Assets per employee ($millions) | 6.3563% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0158% | 159 |
| Loan loss allowance to noncurrent loans | 209.8002% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.7787% | 782 |
| Noncurrent loans to loans | 1.4374% | 1,324 |
| Net loans and leases to total assets | 90.9104% | 61 |
| Net loans and leases to deposits | 117.2501% | 133 |
| Net loans and leases to core deposits | 256.0129% | 31 |
| Total domestic deposits to total assets | 77.5355% | 4,886 |
| Equity capital to assets | 18.3053% | 304 |
| Core capital (leverage) ratio | 18.6594% | 263 |
| Tier 1 risk-based capital ratio | 18.3040% | 1,773 |
| Total risk-based capital ratio | 19.5797% | 1,725 |
| Memoranda: | ||
| Average total assets | $1,911,355,670 | 428 |
| Average earning assets | $1,825,465,330 | 413 |
| Average equity | $339,422,000 | 302 |
| Average total loans | $1,790,142,330 | 342 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9787% | 41 |
| Cost of funding earning assets | 0.7229% | 751 |
| Net interest margin | 7.2558% | 37 |
| Noninterest income to average assets | 3.5382% | 170 |
| Noninterest expense to average assets | 3.8845% | 612 |
| Loan and lease loss provision to assets | 1.0539% | 82 |
| Net operating income to assets | 3.3611% | 77 |
| Return on assets (ROA) | 3.3611% | 77 |
| Pretax return on assets | 5.5303% | 49 |
| Return on Equity (ROE) | 19.2298% | 268 |
| Retained earnings to average equity (ytd only) | 19.2298% | 118 |
| Net charge-offs to loans | 0.3109% | 597 |
| Credit loss provision to net charge-offs | 362.0565% | 697 |
| Earnings coverage of net charge-offs (x) | 22.6191% | 1,410 |
| Efficiency ratio | 37.1059% | 5,739 |
| Assets per employee ($millions) | 6.1942% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9756% | 182 |
| Loan loss allowance to noncurrent loans | 191.9344% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.9104% | 713 |
| Noncurrent loans to loans | 1.5503% | 1,268 |
| Net loans and leases to total assets | 91.4646% | 29 |
| Net loans and leases to deposits | 116.4778% | 114 |
| Net loans and leases to core deposits | 241.1642% | 33 |
| Total domestic deposits to total assets | 78.5254% | 4,907 |
| Equity capital to assets | 17.9783% | 306 |
| Core capital (leverage) ratio | 17.5341% | 321 |
| Tier 1 risk-based capital ratio | 17.9204% | 1,905 |
| Total risk-based capital ratio | 19.1956% | 1,856 |
| Memoranda: | ||
| Average total assets | $1,897,701,000 | 435 |
| Average earning assets | $1,812,616,500 | 418 |
| Average equity | $331,693,500 | 306 |
| Average total loans | $1,776,587,000 | 343 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1974% | 39 |
| Cost of funding earning assets | 0.6604% | 1,003 |
| Net interest margin | 7.5370% | 35 |
| Noninterest income to average assets | 1.2819% | 689 |
| Noninterest expense to average assets | 3.4186% | 1,314 |
| Loan and lease loss provision to assets | 0.9704% | 108 |
| Net operating income to assets | 2.5817% | 132 |
| Return on assets (ROA) | 2.5817% | 134 |
| Pretax return on assets | 4.0801% | 61 |
| Return on Equity (ROE) | 15.0360% | 622 |
| Retained earnings to average equity (ytd only) | 4.9283% | 2,388 |
| Net charge-offs to loans | 0.8754% | 220 |
| Credit loss provision to net charge-offs | 120.1108% | 2,209 |
| Earnings coverage of net charge-offs (x) | 6.2515% | 3,209 |
| Efficiency ratio | 40.3659% | 5,777 |
| Assets per employee ($millions) | 5.9383% | 1,523 |
| Cash dividends to net income (ytd only)* | 67.2232% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7861% | 227 |
| Loan loss allowance to noncurrent loans | 276.4459% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 1,209 |
| Noncurrent loans to loans | 1.0078% | 2,077 |
| Net loans and leases to total assets | 90.3815% | 64 |
| Net loans and leases to deposits | 113.6533% | 163 |
| Net loans and leases to core deposits | 197.1615% | 40 |
| Total domestic deposits to total assets | 79.5238% | 4,674 |
| Equity capital to assets | 16.9835% | 386 |
| Core capital (leverage) ratio | 17.3486% | 330 |
| Tier 1 risk-based capital ratio | 17.3340% | 2,051 |
| Total risk-based capital ratio | 18.6065% | 2,004 |
| Memoranda: | ||
| Average total assets | $1,853,831,800 | 420 |
| Average earning assets | $1,767,822,000 | 401 |
| Average equity | $318,302,600 | 309 |
| Average total loans | $1,710,939,200 | 339 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3471% | 36 |
| Cost of funding earning assets | 0.6606% | 1,003 |
| Net interest margin | 7.6865% | 35 |
| Noninterest income to average assets | 1.5694% | 503 |
| Noninterest expense to average assets | 3.1926% | 1,798 |
| Loan and lease loss provision to assets | 0.6700% | 171 |
| Net operating income to assets | 3.1486% | 78 |
| Return on assets (ROA) | 3.1486% | 81 |
| Pretax return on assets | 5.0404% | 51 |
| Return on Equity (ROE) | 18.2867% | 336 |
| Retained earnings to average equity (ytd only) | 8.5952% | 941 |
| Net charge-offs to loans | 0.3371% | 682 |
| Credit loss provision to net charge-offs | 215.7686% | 1,360 |
| Earnings coverage of net charge-offs (x) | 18.3898% | 1,996 |
| Efficiency ratio | 35.8600% | 5,891 |
| Assets per employee ($millions) | 5.7705% | 1,599 |
| Cash dividends to net income (ytd only)* | 52.9975% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0235% | 181 |
| Loan loss allowance to noncurrent loans | 253.0668% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 1.7096% | 995 |
| Noncurrent loans to loans | 1.1947% | 1,880 |
| Net loans and leases to total assets | 89.9971% | 70 |
| Net loans and leases to deposits | 114.2897% | 180 |
| Net loans and leases to core deposits | 188.3678% | 52 |
| Total domestic deposits to total assets | 78.7447% | 4,781 |
| Equity capital to assets | 17.9783% | 348 |
| Core capital (leverage) ratio | 17.7198% | 320 |
| Tier 1 risk-based capital ratio | 18.0274% | 1,909 |
| Total risk-based capital ratio | 19.3026% | 1,872 |
| Memoranda: | ||
| Average total assets | $1,840,744,250 | 425 |
| Average earning assets | $1,756,235,500 | 403 |
| Average equity | $316,944,000 | 309 |
| Average total loans | $1,695,621,250 | 342 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5723% | 31 |
| Cost of funding earning assets | 0.6551% | 1,028 |
| Net interest margin | 7.9172% | 32 |
| Noninterest income to average assets | 1.7908% | 401 |
| Noninterest expense to average assets | 2.9612% | 2,483 |
| Loan and lease loss provision to assets | 0.8132% | 130 |
| Net operating income to assets | 3.3967% | 74 |
| Return on assets (ROA) | 3.3967% | 75 |
| Pretax return on assets | 5.5847% | 46 |
| Return on Equity (ROE) | 20.0193% | 242 |
| Retained earnings to average equity (ytd only) | 9.6106% | 682 |
| Net charge-offs to loans | 0.5549% | 380 |
| Credit loss provision to net charge-offs | 159.4727% | 1,529 |
| Earnings coverage of net charge-offs (x) | 12.5467% | 2,178 |
| Efficiency ratio | 31.6400% | 6,002 |
| Assets per employee ($millions) | 6.1230% | 1,319 |
| Cash dividends to net income (ytd only)* | 51.9935% | 1,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8680% | 233 |
| Loan loss allowance to noncurrent loans | 310.5363% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.5230% | 1,249 |
| Noncurrent loans to loans | 0.9236% | 2,425 |
| Net loans and leases to total assets | 89.4468% | 83 |
| Net loans and leases to deposits | 112.9069% | 193 |
| Net loans and leases to core deposits | 185.9553% | 53 |
| Total domestic deposits to total assets | 79.2218% | 4,728 |
| Equity capital to assets | 17.3802% | 388 |
| Core capital (leverage) ratio | 17.6095% | 321 |
| Tier 1 risk-based capital ratio | 17.4496% | 2,084 |
| Total risk-based capital ratio | 18.7220% | 2,039 |
| Memoranda: | ||
| Average total assets | $1,844,571,670 | 421 |
| Average earning assets | $1,763,306,330 | 403 |
| Average equity | $312,968,330 | 310 |
| Average total loans | $1,694,958,670 | 344 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0718% | 30 |
| Cost of funding earning assets | 0.6532% | 1,036 |
| Net interest margin | 8.4186% | 29 |
| Noninterest income to average assets | 1.4254% | 553 |
| Noninterest expense to average assets | 3.0851% | 2,136 |
| Loan and lease loss provision to assets | 0.9803% | 94 |
| Net operating income to assets | 3.2934% | 76 |
| Return on assets (ROA) | 3.2934% | 74 |
| Pretax return on assets | 5.4150% | 48 |
| Return on Equity (ROE) | 19.6532% | 264 |
| Retained earnings to average equity (ytd only) | -1.5210% | 5,337 |
| Net charge-offs to loans | 0.9054% | 216 |
| Credit loss provision to net charge-offs | 117.9554% | 1,454 |
| Earnings coverage of net charge-offs (x) | 7.6952% | 2,127 |
| Efficiency ratio | 32.5421% | 6,057 |
| Assets per employee ($millions) | 5.9746% | 1,415 |
| Cash dividends to net income (ytd only)* | 107.7391% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7690% | 284 |
| Loan loss allowance to noncurrent loans | 319.7350% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 1,339 |
| Noncurrent loans to loans | 0.8660% | 2,679 |
| Net loans and leases to total assets | 88.6267% | 93 |
| Net loans and leases to deposits | 110.1490% | 225 |
| Net loans and leases to core deposits | 173.7892% | 57 |
| Total domestic deposits to total assets | 80.4608% | 4,649 |
| Equity capital to assets | 16.4822% | 481 |
| Core capital (leverage) ratio | 16.7774% | 390 |
| Tier 1 risk-based capital ratio | 16.9262% | 2,315 |
| Total risk-based capital ratio | 18.1981% | 2,256 |
| Memoranda: | ||
| Average total assets | $1,836,158,000 | 417 |
| Average earning assets | $1,756,876,500 | 402 |
| Average equity | $307,695,500 | 312 |
| Average total loans | $1,685,376,500 | 340 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7243% | 31 |
| Cost of funding earning assets | 0.6280% | 1,190 |
| Net interest margin | 8.0964% | 31 |
| Noninterest income to average assets | 1.6872% | 460 |
| Noninterest expense to average assets | 2.9147% | 2,807 |
| Loan and lease loss provision to assets | 0.6025% | 176 |
| Net operating income to assets | 4.5579% | 50 |
| Return on assets (ROA) | 4.5579% | 50 |
| Pretax return on assets | 5.8905% | 46 |
| Return on Equity (ROE) | 29.4337% | 62 |
| Retained earnings to average equity (ytd only) | 21.7241% | 56 |
| Net charge-offs to loans | 0.3289% | 907 |
| Credit loss provision to net charge-offs | 201.1173% | 1,383 |
| Earnings coverage of net charge-offs (x) | 21.6739% | 1,802 |
| Efficiency ratio | 30.9817% | 6,133 |
| Assets per employee ($millions) | 5.7223% | 1,600 |
| Cash dividends to net income (ytd only)* | 26.1931% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7736% | 290 |
| Loan loss allowance to noncurrent loans | 263.9117% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3786% | 1,521 |
| Noncurrent loans to loans | 1.0509% | 2,233 |
| Net loans and leases to total assets | 89.8814% | 67 |
| Net loans and leases to deposits | 112.6643% | 188 |
| Net loans and leases to core deposits | 171.2693% | 60 |
| Total domestic deposits to total assets | 79.7780% | 4,803 |
| Equity capital to assets | 17.0415% | 407 |
| Core capital (leverage) ratio | 16.9414% | 369 |
| Tier 1 risk-based capital ratio | 17.1449% | 2,235 |
| Total risk-based capital ratio | 18.4168% | 2,181 |
| Memoranda: | ||
| Average total assets | $1,792,527,400 | 405 |
| Average earning assets | $1,709,297,200 | 394 |
| Average equity | $277,576,000 | 325 |
| Average total loans | $1,632,592,400 | 333 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5380% | 32 |
| Cost of funding earning assets | 0.6261% | 1,236 |
| Net interest margin | 7.9118% | 33 |
| Noninterest income to average assets | 1.6087% | 487 |
| Noninterest expense to average assets | 2.6078% | 3,851 |
| Loan and lease loss provision to assets | 0.7268% | 109 |
| Net operating income to assets | 4.8285% | 47 |
| Return on assets (ROA) | 4.8285% | 48 |
| Pretax return on assets | 5.8116% | 44 |
| Return on Equity (ROE) | 31.9944% | 43 |
| Retained earnings to average equity (ytd only) | 21.4241% | 59 |
| Net charge-offs to loans | 0.1168% | 1,958 |
| Credit loss provision to net charge-offs | 685.6540% | 493 |
| Earnings coverage of net charge-offs (x) | 61.6815% | 900 |
| Efficiency ratio | 28.5124% | 6,229 |
| Assets per employee ($millions) | 5.7257% | 1,573 |
| Cash dividends to net income (ytd only)* | 33.0379% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9742% | 250 |
| Loan loss allowance to noncurrent loans | 259.3692% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 1.5010% | 1,503 |
| Noncurrent loans to loans | 1.1467% | 2,217 |
| Net loans and leases to total assets | 90.2475% | 61 |
| Net loans and leases to deposits | 113.7824% | 172 |
| Net loans and leases to core deposits | 168.5670% | 61 |
| Total domestic deposits to total assets | 79.3159% | 4,907 |
| Equity capital to assets | 16.3712% | 516 |
| Core capital (leverage) ratio | 16.3365% | 446 |
| Tier 1 risk-based capital ratio | 16.6408% | 2,504 |
| Total risk-based capital ratio | 17.9151% | 2,454 |
| Memoranda: | ||
| Average total assets | $1,788,600,250 | 409 |
| Average earning assets | $1,703,951,750 | 396 |
| Average equity | $269,932,500 | 335 |
| Average total loans | $1,622,832,750 | 340 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2947% | 37 |
| Cost of funding earning assets | 0.6250% | 1,257 |
| Net interest margin | 7.6697% | 37 |
| Noninterest income to average assets | 1.6065% | 502 |
| Noninterest expense to average assets | 2.3982% | 4,554 |
| Loan and lease loss provision to assets | 1.0886% | 61 |
| Net operating income to assets | 5.2211% | 44 |
| Return on assets (ROA) | 5.2211% | 44 |
| Pretax return on assets | 5.4237% | 54 |
| Return on Equity (ROE) | 35.5953% | 37 |
| Retained earnings to average equity (ytd only) | 19.3052% | 79 |
| Net charge-offs to loans | 0.1597% | 1,518 |
| Credit loss provision to net charge-offs | 757.5758% | 450 |
| Earnings coverage of net charge-offs (x) | 45.3193% | 1,026 |
| Efficiency ratio | 26.9144% | 6,310 |
| Assets per employee ($millions) | 5.7419% | 1,535 |
| Cash dividends to net income (ytd only)* | 45.7646% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9853% | 271 |
| Loan loss allowance to noncurrent loans | 213.5809% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 1.7818% | 1,302 |
| Noncurrent loans to loans | 1.3977% | 1,928 |
| Net loans and leases to total assets | 91.0663% | 40 |
| Net loans and leases to deposits | 112.9483% | 203 |
| Net loans and leases to core deposits | 164.8122% | 70 |
| Total domestic deposits to total assets | 80.6265% | 4,710 |
| Equity capital to assets | 15.5147% | 603 |
| Core capital (leverage) ratio | 15.0319% | 607 |
| Tier 1 risk-based capital ratio | 15.8167% | 2,946 |
| Total risk-based capital ratio | 17.0914% | 2,894 |
| Memoranda: | ||
| Average total assets | $1,791,238,330 | 408 |
| Average earning assets | $1,705,861,330 | 398 |
| Average equity | $262,737,000 | 339 |
| Average total loans | $1,611,681,330 | 338 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3263% | 50 |
| Cost of funding earning assets | 0.6164% | 1,329 |
| Net interest margin | 6.7099% | 48 |
| Noninterest income to average assets | 1.3929% | 601 |
| Noninterest expense to average assets | 2.2753% | 4,940 |
| Loan and lease loss provision to assets | 0.8308% | 105 |
| Net operating income to assets | 6.6608% | 34 |
| Return on assets (ROA) | 6.6608% | 35 |
| Pretax return on assets | 4.6658% | 65 |
| Return on Equity (ROE) | 46.7279% | 27 |
| Retained earnings to average equity (ytd only) | 27.3000% | 36 |
| Net charge-offs to loans | 0.1316% | 1,459 |
| Credit loss provision to net charge-offs | 717.0172% | 420 |
| Earnings coverage of net charge-offs (x) | 47.4379% | 868 |
| Efficiency ratio | 29.2759% | 6,370 |
| Assets per employee ($millions) | 6.0962% | 1,337 |
| Cash dividends to net income (ytd only)* | 41.5766% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7189% | 397 |
| Loan loss allowance to noncurrent loans | 290.2274% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 1.4277% | 1,851 |
| Noncurrent loans to loans | 0.9368% | 2,905 |
| Net loans and leases to total assets | 85.5422% | 219 |
| Net loans and leases to deposits | 107.1399% | 280 |
| Net loans and leases to core deposits | 156.9929% | 83 |
| Total domestic deposits to total assets | 79.8416% | 5,087 |
| Equity capital to assets | 14.3933% | 862 |
| Core capital (leverage) ratio | 14.7843% | 639 |
| Tier 1 risk-based capital ratio | 15.9701% | 2,937 |
| Total risk-based capital ratio | 17.2424% | 2,860 |
| Memoranda: | ||
| Average total assets | $1,805,482,000 | 410 |
| Average earning assets | $1,716,440,500 | 397 |
| Average equity | $257,362,500 | 345 |
| Average total loans | $1,590,187,500 | 337 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2609% | 42 |
| Cost of funding earning assets | 0.5671% | 2,072 |
| Net interest margin | 7.6938% | 40 |
| Noninterest income to average assets | 0.9012% | 1,499 |
| Noninterest expense to average assets | 3.7897% | 1,001 |
| Loan and lease loss provision to assets | 0.3079% | 665 |
| Net operating income to assets | 3.9441% | 58 |
| Return on assets (ROA) | 3.9441% | 59 |
| Pretax return on assets | 3.9746% | 70 |
| Return on Equity (ROE) | 26.0707% | 90 |
| Retained earnings to average equity (ytd only) | 7.0720% | 1,372 |
| Net charge-offs to loans | 0.1294% | 2,723 |
| Credit loss provision to net charge-offs | 271.8610% | 939 |
| Earnings coverage of net charge-offs (x) | 37.8089% | 1,133 |
| Efficiency ratio | 46.9475% | 6,226 |
| Assets per employee ($millions) | 5.7081% | 1,600 |
| Cash dividends to net income (ytd only)* | 72.8739% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6305% | 471 |
| Loan loss allowance to noncurrent loans | 280.9086% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 1.5487% | 1,748 |
| Noncurrent loans to loans | 0.9364% | 2,978 |
| Net loans and leases to total assets | 85.9040% | 212 |
| Net loans and leases to deposits | 108.2085% | 290 |
| Net loans and leases to core deposits | 151.6323% | 108 |
| Total domestic deposits to total assets | 79.3875% | 5,166 |
| Equity capital to assets | 14.1092% | 919 |
| Core capital (leverage) ratio | 14.9020% | 628 |
| Tier 1 risk-based capital ratio | 16.0461% | 2,936 |
| Total risk-based capital ratio | 17.3182% | 2,869 |
| Memoranda: | ||
| Average total assets | $1,575,018,200 | 446 |
| Average earning assets | $1,468,004,000 | 430 |
| Average equity | $238,279,000 | 347 |
| Average total loans | $1,379,147,400 | 352 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2394% | 44 |
| Cost of funding earning assets | 0.5607% | 2,189 |
| Net interest margin | 7.6787% | 42 |
| Noninterest income to average assets | 1.0347% | 1,144 |
| Noninterest expense to average assets | 3.9795% | 774 |
| Loan and lease loss provision to assets | 0.3840% | 448 |
| Net operating income to assets | 3.7675% | 65 |
| Return on assets (ROA) | 3.7675% | 65 |
| Pretax return on assets | 3.7990% | 75 |
| Return on Equity (ROE) | 24.4283% | 112 |
| Retained earnings to average equity (ytd only) | -1.1871% | 5,989 |
| Net charge-offs to loans | 0.1035% | 2,761 |
| Credit loss provision to net charge-offs | 424.7104% | 663 |
| Earnings coverage of net charge-offs (x) | 46.2664% | 1,028 |
| Efficiency ratio | 48.7539% | 6,171 |
| Assets per employee ($millions) | 5.1359% | 2,094 |
| Cash dividends to net income (ytd only)* | 104.8596% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8708% | 411 |
| Loan loss allowance to noncurrent loans | 273.7303% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 2.2120% | 1,248 |
| Noncurrent loans to loans | 1.0488% | 2,977 |
| Net loans and leases to total assets | 87.3399% | 135 |
| Net loans and leases to deposits | 110.3858% | 210 |
| Net loans and leases to core deposits | 148.0167% | 111 |
| Total domestic deposits to total assets | 79.1224% | 5,296 |
| Equity capital to assets | 14.3946% | 881 |
| Core capital (leverage) ratio | 14.4645% | 737 |
| Tier 1 risk-based capital ratio | 15.8265% | 3,143 |
| Total risk-based capital ratio | 17.1008% | 3,072 |
| Memoranda: | ||
| Average total assets | $1,527,818,750 | 453 |
| Average earning assets | $1,418,214,000 | 440 |
| Average equity | $235,633,750 | 348 |
| Average total loans | $1,334,903,500 | 357 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3016% | 40 |
| Cost of funding earning assets | 0.5496% | 2,353 |
| Net interest margin | 7.7521% | 39 |
| Noninterest income to average assets | 1.0907% | 1,003 |
| Noninterest expense to average assets | 3.5117% | 1,454 |
| Loan and lease loss provision to assets | 0.5848% | 243 |
| Net operating income to assets | 4.1059% | 60 |
| Return on assets (ROA) | 4.1059% | 61 |
| Pretax return on assets | 4.1378% | 74 |
| Return on Equity (ROE) | 26.0084% | 93 |
| Retained earnings to average equity (ytd only) | 0.5220% | 5,530 |
| Net charge-offs to loans | 0.1084% | 2,588 |
| Credit loss provision to net charge-offs | 624.1135% | 483 |
| Earnings coverage of net charge-offs (x) | 50.3972% | 905 |
| Efficiency ratio | 42.6473% | 6,464 |
| Assets per employee ($millions) | 4.9598% | 2,267 |
| Cash dividends to net income (ytd only)* | 97.9929% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0519% | 362 |
| Loan loss allowance to noncurrent loans | 353.7578% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 2.5172% | 1,125 |
| Noncurrent loans to loans | 0.8627% | 3,543 |
| Net loans and leases to total assets | 85.8718% | 183 |
| Net loans and leases to deposits | 108.8074% | 230 |
| Net loans and leases to core deposits | 143.8850% | 120 |
| Total domestic deposits to total assets | 78.9209% | 5,475 |
| Equity capital to assets | 15.1475% | 670 |
| Core capital (leverage) ratio | 15.2400% | 564 |
| Tier 1 risk-based capital ratio | 17.5613% | 2,395 |
| Total risk-based capital ratio | 18.8397% | 2,355 |
| Memoranda: | ||
| Average total assets | $1,504,672,000 | 457 |
| Average earning assets | $1,386,574,670 | 450 |
| Average equity | $237,538,670 | 342 |
| Average total loans | $1,301,112,670 | 360 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8546% | 44 |
| Cost of funding earning assets | 0.5413% | 2,488 |
| Net interest margin | 7.3133% | 40 |
| Noninterest income to average assets | 0.9625% | 1,224 |
| Noninterest expense to average assets | 2.9934% | 2,877 |
| Loan and lease loss provision to assets | 0.3763% | 452 |
| Net operating income to assets | 4.2641% | 58 |
| Return on assets (ROA) | 4.2641% | 60 |
| Pretax return on assets | 4.2964% | 78 |
| Return on Equity (ROE) | 26.4573% | 103 |
| Retained earnings to average equity (ytd only) | 26.4573% | 52 |
| Net charge-offs to loans | -0.0472% | 5,780 |
| Credit loss provision to net charge-offs | -933.3333% | 5,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.0471% | 6,606 |
| Assets per employee ($millions) | 4.8366% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0374% | 413 |
| Loan loss allowance to noncurrent loans | 336.4172% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 2.8312% | 1,037 |
| Noncurrent loans to loans | 0.9029% | 3,626 |
| Net loans and leases to total assets | 84.1977% | 225 |
| Net loans and leases to deposits | 111.3654% | 128 |
| Net loans and leases to core deposits | 138.0351% | 140 |
| Total domestic deposits to total assets | 75.6049% | 6,110 |
| Equity capital to assets | 16.5810% | 446 |
| Core capital (leverage) ratio | 16.5727% | 408 |
| Tier 1 risk-based capital ratio | 19.5867% | 1,816 |
| Total risk-based capital ratio | 20.8653% | 1,786 |
| Memoranda: | ||
| Average total assets | $1,488,232,000 | 463 |
| Average earning assets | $1,364,139,000 | 457 |
| Average equity | $239,858,000 | 337 |
| Average total loans | $1,270,726,000 | 366 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1792% | 46 |
| Cost of funding earning assets | 0.5561% | 3,060 |
| Net interest margin | 7.6232% | 42 |
| Noninterest income to average assets | 1.1118% | 1,134 |
| Noninterest expense to average assets | 3.3045% | 2,134 |
| Loan and lease loss provision to assets | -0.0139% | 6,284 |
| Net operating income to assets | 4.5342% | 55 |
| Return on assets (ROA) | 4.5480% | 54 |
| Pretax return on assets | 4.5621% | 62 |
| Return on Equity (ROE) | 27.5968% | 95 |
| Retained earnings to average equity (ytd only) | 2.9109% | 4,173 |
| Net charge-offs to loans | 0.1381% | 3,422 |
| Credit loss provision to net charge-offs | -12.5635% | 5,694 |
| Earnings coverage of net charge-offs (x) | 40.9156% | 928 |
| Efficiency ratio | 42.1553% | 6,650 |
| Assets per employee ($millions) | 4.8116% | 2,432 |
| Cash dividends to net income (ytd only)* | 89.4522% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0448% | 444 |
| Loan loss allowance to noncurrent loans | 336.8440% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 3.2576% | 932 |
| Noncurrent loans to loans | 0.9039% | 3,724 |
| Net loans and leases to total assets | 81.3671% | 462 |
| Net loans and leases to deposits | 106.0470% | 255 |
| Net loans and leases to core deposits | 128.9819% | 204 |
| Total domestic deposits to total assets | 76.7274% | 6,021 |
| Equity capital to assets | 15.6491% | 581 |
| Core capital (leverage) ratio | 15.8747% | 484 |
| Tier 1 risk-based capital ratio | 18.9720% | 1,929 |
| Total risk-based capital ratio | 20.2508% | 1,884 |
| Memoranda: | ||
| Average total assets | $1,422,089,400 | 473 |
| Average earning assets | $1,254,920,400 | 481 |
| Average equity | $234,364,200 | 334 |
| Average total loans | $1,141,370,000 | 387 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9355% | 50 |
| Cost of funding earning assets | 0.5669% | 3,107 |
| Net interest margin | 7.3686% | 43 |
| Noninterest income to average assets | 0.9407% | 1,630 |
| Noninterest expense to average assets | 3.0224% | 2,914 |
| Loan and lease loss provision to assets | 0.1769% | 2,055 |
| Net operating income to assets | 4.1721% | 55 |
| Return on assets (ROA) | 4.1907% | 56 |
| Pretax return on assets | 4.2039% | 70 |
| Return on Equity (ROE) | 25.0952% | 117 |
| Retained earnings to average equity (ytd only) | 7.9024% | 1,451 |
| Net charge-offs to loans | -0.1133% | 6,519 |
| Credit loss provision to net charge-offs | -196.9409% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9277% | 6,731 |
| Assets per employee ($millions) | 4.5995% | 2,717 |
| Cash dividends to net income (ytd only)* | 68.5102% | 1,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7098% | 284 |
| Loan loss allowance to noncurrent loans | 325.9905% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 3.6375% | 910 |
| Noncurrent loans to loans | 1.1380% | 3,529 |
| Net loans and leases to total assets | 78.5551% | 696 |
| Net loans and leases to deposits | 104.0096% | 296 |
| Net loans and leases to core deposits | 124.8480% | 252 |
| Total domestic deposits to total assets | 75.5268% | 6,223 |
| Equity capital to assets | 17.0880% | 415 |
| Core capital (leverage) ratio | 16.8164% | 401 |
| Tier 1 risk-based capital ratio | 21.8805% | 1,339 |
| Total risk-based capital ratio | 23.1687% | 1,317 |
| Memoranda: | ||
| Average total assets | $1,407,121,250 | 484 |
| Average earning assets | $1,230,542,000 | 491 |
| Average equity | $234,977,000 | 334 |
| Average total loans | $1,115,788,000 | 399 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9113% | 48 |
| Cost of funding earning assets | 0.5704% | 3,216 |
| Net interest margin | 7.3409% | 42 |
| Noninterest income to average assets | 1.3428% | 867 |
| Noninterest expense to average assets | 3.1056% | 2,645 |
| Loan and lease loss provision to assets | 0.6006% | 424 |
| Net operating income to assets | 4.0136% | 63 |
| Return on assets (ROA) | 4.0372% | 64 |
| Pretax return on assets | 4.0486% | 82 |
| Return on Equity (ROE) | 24.3646% | 134 |
| Retained earnings to average equity (ytd only) | 5.2554% | 2,888 |
| Net charge-offs to loans | 0.3791% | 1,694 |
| Credit loss provision to net charge-offs | 201.7167% | 1,180 |
| Earnings coverage of net charge-offs (x) | 15.5351% | 1,730 |
| Efficiency ratio | 40.1697% | 6,796 |
| Assets per employee ($millions) | 4.7749% | 2,419 |
| Cash dividends to net income (ytd only)* | 78.4300% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6479% | 333 |
| Loan loss allowance to noncurrent loans | 289.0003% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 3.2828% | 1,200 |
| Noncurrent loans to loans | 1.2622% | 3,443 |
| Net loans and leases to total assets | 76.7727% | 894 |
| Net loans and leases to deposits | 101.7330% | 344 |
| Net loans and leases to core deposits | 122.9090% | 274 |
| Total domestic deposits to total assets | 75.4649% | 6,313 |
| Equity capital to assets | 16.1270% | 510 |
| Core capital (leverage) ratio | 16.4855% | 417 |
| Tier 1 risk-based capital ratio | 21.7482% | 1,344 |
| Total risk-based capital ratio | 23.0367% | 1,302 |
| Memoranda: | ||
| Average total assets | $1,408,544,330 | 477 |
| Average earning assets | $1,225,795,670 | 492 |
| Average equity | $233,396,330 | 334 |
| Average total loans | $1,106,227,670 | 395 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7717% | 48 |
| Cost of funding earning assets | 0.5886% | 3,220 |
| Net interest margin | 7.1831% | 45 |
| Noninterest income to average assets | 1.1548% | 1,125 |
| Noninterest expense to average assets | 2.9815% | 3,045 |
| Loan and lease loss provision to assets | 0.4304% | 690 |
| Net operating income to assets | 3.9208% | 64 |
| Return on assets (ROA) | 3.9208% | 67 |
| Pretax return on assets | 3.9266% | 85 |
| Return on Equity (ROE) | 23.3405% | 156 |
| Retained earnings to average equity (ytd only) | 23.3405% | 78 |
| Net charge-offs to loans | 0.0828% | 3,013 |
| Credit loss provision to net charge-offs | 666.6667% | 415 |
| Earnings coverage of net charge-offs (x) | 67.4933% | 530 |
| Efficiency ratio | 40.6287% | 6,859 |
| Assets per employee ($millions) | 4.7268% | 2,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7318% | 347 |
| Loan loss allowance to noncurrent loans | 273.3449% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 3.8671% | 1,060 |
| Noncurrent loans to loans | 1.3652% | 3,519 |
| Net loans and leases to total assets | 75.4416% | 908 |
| Net loans and leases to deposits | 98.7912% | 402 |
| Net loans and leases to core deposits | 117.6442% | 313 |
| Total domestic deposits to total assets | 76.3647% | 6,323 |
| Equity capital to assets | 17.2119% | 407 |
| Core capital (leverage) ratio | 17.0217% | 351 |
| Tier 1 risk-based capital ratio | 23.9398% | 1,026 |
| Total risk-based capital ratio | 25.2301% | 997 |
| Memoranda: | ||
| Average total assets | $1,394,191,000 | 486 |
| Average earning assets | $1,200,205,000 | 500 |
| Average equity | $234,202,000 | 337 |
| Average total loans | $1,086,745,500 | 401 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4058% | 43 |
| Cost of funding earning assets | 0.6502% | 3,910 |
| Net interest margin | 7.7555% | 41 |
| Noninterest income to average assets | 1.8534% | 489 |
| Noninterest expense to average assets | 3.2291% | 2,518 |
| Loan and lease loss provision to assets | 0.7226% | 703 |
| Net operating income to assets | 4.4840% | 46 |
| Return on assets (ROA) | 4.4866% | 46 |
| Pretax return on assets | 4.4937% | 61 |
| Return on Equity (ROE) | 25.0672% | 126 |
| Retained earnings to average equity (ytd only) | -1.8423% | 6,141 |
| Net charge-offs to loans | 0.5643% | 2,040 |
| Credit loss provision to net charge-offs | 164.6068% | 1,625 |
| Earnings coverage of net charge-offs (x) | 11.8761% | 1,993 |
| Efficiency ratio | 38.2464% | 6,963 |
| Assets per employee ($millions) | 4.9090% | 2,345 |
| Cash dividends to net income (ytd only)* | 107.3493% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6806% | 366 |
| Loan loss allowance to noncurrent loans | 309.9210% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 4.2225% | 1,001 |
| Noncurrent loans to loans | 1.1876% | 3,871 |
| Net loans and leases to total assets | 74.6737% | 1,099 |
| Net loans and leases to deposits | 95.2736% | 665 |
| Net loans and leases to core deposits | 113.1086% | 436 |
| Total domestic deposits to total assets | 78.3782% | 6,018 |
| Equity capital to assets | 16.3819% | 493 |
| Core capital (leverage) ratio | 16.2947% | 417 |
| Tier 1 risk-based capital ratio | 22.8778% | 1,128 |
| Total risk-based capital ratio | 24.1667% | 1,107 |
| Memoranda: | ||
| Average total assets | $1,312,256,400 | 508 |
| Average earning assets | $1,114,956,600 | 532 |
| Average equity | $234,872,600 | 325 |
| Average total loans | $1,020,963,200 | 418 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0126% | 49 |
| Cost of funding earning assets | 0.6520% | 4,176 |
| Net interest margin | 7.3606% | 45 |
| Noninterest income to average assets | 1.5467% | 621 |
| Noninterest expense to average assets | 2.9833% | 3,291 |
| Loan and lease loss provision to assets | 0.4486% | 1,403 |
| Net operating income to assets | 4.3586% | 58 |
| Return on assets (ROA) | 4.3620% | 59 |
| Pretax return on assets | 4.3715% | 72 |
| Return on Equity (ROE) | 23.8288% | 170 |
| Retained earnings to average equity (ytd only) | 3.4356% | 4,447 |
| Net charge-offs to loans | 0.1475% | 3,927 |
| Credit loss provision to net charge-offs | 390.4847% | 690 |
| Earnings coverage of net charge-offs (x) | 41.9308% | 848 |
| Efficiency ratio | 38.2473% | 7,039 |
| Assets per employee ($millions) | 5.2274% | 1,910 |
| Cash dividends to net income (ytd only)* | 85.5822% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6601% | 408 |
| Loan loss allowance to noncurrent loans | 305.6197% | 1,220 |
| Noncurrent assets plus other real estate owned to assets | 5.2584% | 827 |
| Noncurrent loans to loans | 1.1976% | 4,054 |
| Net loans and leases to total assets | 72.7537% | 1,428 |
| Net loans and leases to deposits | 97.5211% | 569 |
| Net loans and leases to core deposits | 117.1738% | 362 |
| Total domestic deposits to total assets | 74.6030% | 6,552 |
| Equity capital to assets | 16.8532% | 484 |
| Core capital (leverage) ratio | 16.6892% | 404 |
| Tier 1 risk-based capital ratio | 24.0127% | 1,021 |
| Total risk-based capital ratio | 25.3005% | 997 |
| Memoranda: | ||
| Average total assets | $1,293,005,250 | 520 |
| Average earning assets | $1,098,470,750 | 542 |
| Average equity | $236,693,750 | 324 |
| Average total loans | $1,006,940,250 | 419 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9709% | 50 |
| Cost of funding earning assets | 0.6474% | 4,462 |
| Net interest margin | 7.3235% | 45 |
| Noninterest income to average assets | 1.6043% | 576 |
| Noninterest expense to average assets | 2.9981% | 3,260 |
| Loan and lease loss provision to assets | 0.4553% | 1,403 |
| Net operating income to assets | 4.3697% | 54 |
| Return on assets (ROA) | 4.3676% | 56 |
| Pretax return on assets | 4.3825% | 72 |
| Return on Equity (ROE) | 23.1661% | 200 |
| Retained earnings to average equity (ytd only) | -3.0219% | 6,463 |
| Net charge-offs to loans | -0.0811% | 6,808 |
| Credit loss provision to net charge-offs | -712.5000% | 6,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2506% | 7,090 |
| Assets per employee ($millions) | 5.3524% | 1,765 |
| Cash dividends to net income (ytd only)* | 113.0446% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6952% | 427 |
| Loan loss allowance to noncurrent loans | 259.7652% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 5.3504% | 855 |
| Noncurrent loans to loans | 1.4225% | 3,779 |
| Net loans and leases to total assets | 79.1402% | 604 |
| Net loans and leases to deposits | 112.5131% | 122 |
| Net loans and leases to core deposits | 139.6619% | 150 |
| Total domestic deposits to total assets | 70.3386% | 6,890 |
| Equity capital to assets | 17.7410% | 365 |
| Core capital (leverage) ratio | 17.3125% | 337 |
| Tier 1 risk-based capital ratio | 23.8134% | 1,040 |
| Total risk-based capital ratio | 25.1027% | 1,013 |
| Memoranda: | ||
| Average total assets | $1,251,795,000 | 533 |
| Average earning assets | $1,065,531,670 | 562 |
| Average equity | $236,008,670 | 324 |
| Average total loans | $985,983,330 | 427 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6729% | 59 |
| Cost of funding earning assets | 0.6532% | 4,701 |
| Net interest margin | 7.0197% | 56 |
| Noninterest income to average assets | 2.5290% | 297 |
| Noninterest expense to average assets | 3.1468% | 2,770 |
| Loan and lease loss provision to assets | 0.7625% | 660 |
| Net operating income to assets | 4.5181% | 50 |
| Return on assets (ROA) | 4.5181% | 57 |
| Pretax return on assets | 4.5480% | 67 |
| Return on Equity (ROE) | 23.2464% | 235 |
| Retained earnings to average equity (ytd only) | 23.2464% | 118 |
| Net charge-offs to loans | -0.0451% | 6,494 |
| Credit loss provision to net charge-offs | -2,196.2617% | 6,071 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2084% | 7,164 |
| Assets per employee ($millions) | 5.5875% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8669% | 410 |
| Loan loss allowance to noncurrent loans | 209.3443% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 6.5005% | 691 |
| Noncurrent loans to loans | 1.8472% | 3,346 |
| Net loans and leases to total assets | 73.9167% | 1,082 |
| Net loans and leases to deposits | 105.5449% | 216 |
| Net loans and leases to core deposits | 134.4584% | 167 |
| Total domestic deposits to total assets | 70.0334% | 6,977 |
| Equity capital to assets | 19.0717% | 274 |
| Core capital (leverage) ratio | 20.3796% | 182 |
| Tier 1 risk-based capital ratio | 27.8609% | 653 |
| Total risk-based capital ratio | 29.1534% | 634 |
| Memoranda: | ||
| Average total assets | $1,232,728,000 | 539 |
| Average earning assets | $1,041,069,000 | 568 |
| Average equity | $239,590,000 | 319 |
| Average total loans | $948,964,000 | 438 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2132% | 49 |
| Cost of funding earning assets | 0.8207% | 4,702 |
| Net interest margin | 7.3925% | 40 |
| Noninterest income to average assets | 1.2544% | 825 |
| Noninterest expense to average assets | 3.0601% | 3,355 |
| Loan and lease loss provision to assets | 1.5193% | 482 |
| Net operating income to assets | 2.7352% | 106 |
| Return on assets (ROA) | 2.7350% | 107 |
| Pretax return on assets | 2.7608% | 152 |
| Return on Equity (ROE) | 13.8853% | 960 |
| Retained earnings to average equity (ytd only) | -1.3740% | 6,069 |
| Net charge-offs to loans | 1.0968% | 1,569 |
| Credit loss provision to net charge-offs | 184.6690% | 1,399 |
| Earnings coverage of net charge-offs (x) | 5.2026% | 2,871 |
| Efficiency ratio | 41.6882% | 7,173 |
| Assets per employee ($millions) | 5.2916% | 1,839 |
| Cash dividends to net income (ytd only)* | 109.8951% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9669% | 391 |
| Loan loss allowance to noncurrent loans | 173.1585% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 7.1506% | 639 |
| Noncurrent loans to loans | 2.2909% | 2,865 |
| Net loans and leases to total assets | 74.0229% | 1,271 |
| Net loans and leases to deposits | 101.7196% | 389 |
| Net loans and leases to core deposits | 143.1606% | 161 |
| Total domestic deposits to total assets | 72.7715% | 6,829 |
| Equity capital to assets | 19.8358% | 241 |
| Core capital (leverage) ratio | 19.2929% | 230 |
| Tier 1 risk-based capital ratio | 28.5419% | 583 |
| Total risk-based capital ratio | 29.8335% | 571 |
| Memoranda: | ||
| Average total assets | $1,202,723,200 | 544 |
| Average earning assets | $990,152,000 | 595 |
| Average equity | $236,904,600 | 308 |
| Average total loans | $902,171,600 | 464 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1031% | 49 |
| Cost of funding earning assets | 0.8453% | 4,803 |
| Net interest margin | 7.2578% | 42 |
| Noninterest income to average assets | 1.4638% | 609 |
| Noninterest expense to average assets | 2.7562% | 4,511 |
| Loan and lease loss provision to assets | 2.0140% | 267 |
| Net operating income to assets | 2.6145% | 129 |
| Return on assets (ROA) | 2.6143% | 136 |
| Pretax return on assets | 2.6380% | 193 |
| Return on Equity (ROE) | 13.2951% | 1,207 |
| Retained earnings to average equity (ytd only) | 2.1691% | 5,041 |
| Net charge-offs to loans | 1.2547% | 1,238 |
| Credit loss provision to net charge-offs | 215.4327% | 1,336 |
| Earnings coverage of net charge-offs (x) | 4.9764% | 2,912 |
| Efficiency ratio | 37.2034% | 7,300 |
| Assets per employee ($millions) | 5.3824% | 1,720 |
| Cash dividends to net income (ytd only)* | 83.6847% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0997% | 361 |
| Loan loss allowance to noncurrent loans | 134.2962% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 6.8564% | 734 |
| Noncurrent loans to loans | 3.0527% | 2,271 |
| Net loans and leases to total assets | 73.0865% | 1,494 |
| Net loans and leases to deposits | 102.7847% | 360 |
| Net loans and leases to core deposits | 147.6323% | 141 |
| Total domestic deposits to total assets | 71.1064% | 6,983 |
| Equity capital to assets | 20.0898% | 241 |
| Core capital (leverage) ratio | 19.4955% | 243 |
| Tier 1 risk-based capital ratio | 29.4667% | 573 |
| Total risk-based capital ratio | 30.7605% | 556 |
| Memoranda: | ||
| Average total assets | $1,209,720,500 | 548 |
| Average earning assets | $990,835,750 | 604 |
| Average equity | $237,876,250 | 310 |
| Average total loans | $901,341,500 | 468 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1318% | 52 |
| Cost of funding earning assets | 0.8617% | 4,973 |
| Net interest margin | 7.2700% | 47 |
| Noninterest income to average assets | 1.3317% | 711 |
| Noninterest expense to average assets | 2.7802% | 4,506 |
| Loan and lease loss provision to assets | 1.6521% | 416 |
| Net operating income to assets | 2.7777% | 124 |
| Return on assets (ROA) | 2.7774% | 126 |
| Pretax return on assets | 2.8027% | 164 |
| Return on Equity (ROE) | 14.2255% | 930 |
| Retained earnings to average equity (ytd only) | 0.4369% | 5,670 |
| Net charge-offs to loans | 2.0393% | 656 |
| Credit loss provision to net charge-offs | 109.5534% | 2,805 |
| Earnings coverage of net charge-offs (x) | 2.9543% | 3,373 |
| Efficiency ratio | 38.4248% | 7,359 |
| Assets per employee ($millions) | 4.4607% | 2,908 |
| Cash dividends to net income (ytd only)* | 96.9291% | 517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1153% | 814 |
| Loan loss allowance to noncurrent loans | 106.6184% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 6.3384% | 856 |
| Noncurrent loans to loans | 2.9220% | 2,497 |
| Net loans and leases to total assets | 74.7607% | 1,271 |
| Net loans and leases to deposits | 102.4475% | 370 |
| Net loans and leases to core deposits | 151.2814% | 141 |
| Total domestic deposits to total assets | 72.9747% | 6,925 |
| Equity capital to assets | 19.9177% | 262 |
| Core capital (leverage) ratio | 19.0382% | 274 |
| Tier 1 risk-based capital ratio | 29.5895% | 557 |
| Total risk-based capital ratio | 30.8703% | 539 |
| Memoranda: | ||
| Average total assets | $1,214,665,000 | 551 |
| Average earning assets | $986,379,000 | 611 |
| Average equity | $237,151,330 | 312 |
| Average total loans | $898,244,000 | 476 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0373% | 58 |
| Cost of funding earning assets | 0.8721% | 5,117 |
| Net interest margin | 7.1653% | 52 |
| Noninterest income to average assets | 0.7896% | 2,071 |
| Noninterest expense to average assets | 2.7335% | 4,704 |
| Loan and lease loss provision to assets | 0.9749% | 798 |
| Net operating income to assets | 2.7913% | 130 |
| Return on assets (ROA) | 2.7907% | 135 |
| Pretax return on assets | 2.8157% | 172 |
| Return on Equity (ROE) | 14.4334% | 916 |
| Retained earnings to average equity (ytd only) | 14.4334% | 441 |
| Net charge-offs to loans | 1.8836% | 684 |
| Credit loss provision to net charge-offs | 71.4796% | 3,326 |
| Earnings coverage of net charge-offs (x) | 2.7798% | 2,969 |
| Efficiency ratio | 41.8945% | 7,346 |
| Assets per employee ($millions) | 4.4751% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9618% | 947 |
| Loan loss allowance to noncurrent loans | 92.5978% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 6.2888% | 899 |
| Noncurrent loans to loans | 3.1986% | 2,344 |
| Net loans and leases to total assets | 70.1381% | 2,101 |
| Net loans and leases to deposits | 97.2317% | 612 |
| Net loans and leases to core deposits | 148.2319% | 156 |
| Total domestic deposits to total assets | 72.1350% | 7,074 |
| Equity capital to assets | 19.6821% | 270 |
| Core capital (leverage) ratio | 20.4487% | 208 |
| Tier 1 risk-based capital ratio | 30.0603% | 520 |
| Total risk-based capital ratio | 31.3369% | 510 |
| Memoranda: | ||
| Average total assets | $1,230,948,500 | 546 |
| Average earning assets | $985,251,000 | 615 |
| Average equity | $238,003,500 | 309 |
| Average total loans | $891,285,000 | 487 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8505% | 48 |
| Cost of funding earning assets | 1.2285% | 4,365 |
| Net interest margin | 7.6220% | 41 |
| Noninterest income to average assets | 0.8027% | 2,267 |
| Noninterest expense to average assets | 2.9721% | 3,949 |
| Loan and lease loss provision to assets | 1.8022% | 769 |
| Net operating income to assets | 2.1260% | 221 |
| Return on assets (ROA) | 2.1138% | 241 |
| Pretax return on assets | 2.1398% | 364 |
| Return on Equity (ROE) | 11.8503% | 1,348 |
| Retained earnings to average equity (ytd only) | 11.8503% | 285 |
| Net charge-offs to loans | 2.7437% | 651 |
| Credit loss provision to net charge-offs | 92.7722% | 5,000 |
| Earnings coverage of net charge-offs (x) | 2.0355% | 4,206 |
| Efficiency ratio | 42.9097% | 7,440 |
| Assets per employee ($millions) | 4.7175% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0839% | 813 |
| Loan loss allowance to noncurrent loans | 78.6645% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 6.3903% | 892 |
| Noncurrent loans to loans | 3.9204% | 1,865 |
| Net loans and leases to total assets | 70.2969% | 2,470 |
| Net loans and leases to deposits | 94.3832% | 1,023 |
| Net loans and leases to core deposits | 145.9453% | 189 |
| Total domestic deposits to total assets | 74.4803% | 6,831 |
| Equity capital to assets | 18.9880% | 319 |
| Core capital (leverage) ratio | 18.4926% | 303 |
| Tier 1 risk-based capital ratio | 30.5717% | 487 |
| Total risk-based capital ratio | 31.8527% | 477 |
| Memoranda: | ||
| Average total assets | $1,220,700,000 | 551 |
| Average earning assets | $980,758,600 | 610 |
| Average equity | $217,740,600 | 324 |
| Average total loans | $864,323,000 | 521 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4020% | 41 |
| Cost of funding earning assets | 1.3597% | 3,834 |
| Net interest margin | 8.0423% | 39 |
| Noninterest income to average assets | 0.8343% | 2,059 |
| Noninterest expense to average assets | 3.1313% | 3,186 |
| Loan and lease loss provision to assets | 2.1892% | 514 |
| Net operating income to assets | 1.9556% | 363 |
| Return on assets (ROA) | 1.9394% | 411 |
| Pretax return on assets | 1.9639% | 673 |
| Return on Equity (ROE) | 11.0530% | 1,768 |
| Retained earnings to average equity (ytd only) | 11.0530% | 598 |
| Net charge-offs to loans | 3.3130% | 427 |
| Credit loss provision to net charge-offs | 93.9055% | 4,616 |
| Earnings coverage of net charge-offs (x) | 1.7885% | 4,373 |
| Efficiency ratio | 42.8903% | 7,501 |
| Assets per employee ($millions) | 4.1681% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4927% | 541 |
| Loan loss allowance to noncurrent loans | 42.6098% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 8.9881% | 509 |
| Noncurrent loans to loans | 8.1968% | 617 |
| Net loans and leases to total assets | 70.7410% | 2,550 |
| Net loans and leases to deposits | 100.0772% | 657 |
| Net loans and leases to core deposits | 144.0980% | 225 |
| Total domestic deposits to total assets | 70.6864% | 7,238 |
| Equity capital to assets | 20.7091% | 247 |
| Core capital (leverage) ratio | 19.0975% | 293 |
| Tier 1 risk-based capital ratio | 32.2611% | 427 |
| Total risk-based capital ratio | 33.5473% | 417 |
| Memoranda: | ||
| Average total assets | $1,218,060,500 | 548 |
| Average earning assets | $979,400,000 | 607 |
| Average equity | $213,728,000 | 326 |
| Average total loans | $857,134,250 | 518 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1230% | 45 |
| Cost of funding earning assets | 1.4748% | 3,405 |
| Net interest margin | 7.6482% | 43 |
| Noninterest income to average assets | 0.8341% | 1,950 |
| Noninterest expense to average assets | 3.0975% | 3,336 |
| Loan and lease loss provision to assets | 1.9047% | 653 |
| Net operating income to assets | 1.9295% | 374 |
| Return on assets (ROA) | 1.9255% | 417 |
| Pretax return on assets | 1.9485% | 671 |
| Return on Equity (ROE) | 11.5761% | 1,571 |
| Retained earnings to average equity (ytd only) | 11.5761% | 552 |
| Net charge-offs to loans | 4.2705% | 287 |
| Credit loss provision to net charge-offs | 64.1540% | 5,116 |
| Earnings coverage of net charge-offs (x) | 1.2992% | 4,532 |
| Efficiency ratio | 44.5375% | 7,505 |
| Assets per employee ($millions) | 4.2101% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8299% | 974 |
| Loan loss allowance to noncurrent loans | 34.0727% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 8.3565% | 568 |
| Noncurrent loans to loans | 8.3055% | 610 |
| Net loans and leases to total assets | 66.1591% | 3,796 |
| Net loans and leases to deposits | 88.6386% | 2,066 |
| Net loans and leases to core deposits | 128.7525% | 439 |
| Total domestic deposits to total assets | 74.6392% | 6,892 |
| Equity capital to assets | 18.5768% | 373 |
| Core capital (leverage) ratio | 17.1683% | 421 |
| Tier 1 risk-based capital ratio | 30.1302% | 500 |
| Total risk-based capital ratio | 31.4054% | 490 |
| Memoranda: | ||
| Average total assets | $1,260,066,670 | 531 |
| Average earning assets | $1,008,396,670 | 588 |
| Average equity | $209,586,670 | 333 |
| Average total loans | $876,019,330 | 510 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9276% | 52 |
| Cost of funding earning assets | 1.5563% | 3,226 |
| Net interest margin | 7.3713% | 54 |
| Noninterest income to average assets | 0.7136% | 2,508 |
| Noninterest expense to average assets | 3.1301% | 3,138 |
| Loan and lease loss provision to assets | 2.4523% | 434 |
| Net operating income to assets | 1.0078% | 2,149 |
| Return on assets (ROA) | 1.0008% | 2,252 |
| Pretax return on assets | 1.0217% | 3,005 |
| Return on Equity (ROE) | 6.3500% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.3500% | 2,446 |
| Net charge-offs to loans | 5.7960% | 189 |
| Credit loss provision to net charge-offs | 60.3000% | 4,291 |
| Earnings coverage of net charge-offs (x) | 0.8560% | 4,278 |
| Efficiency ratio | 47.3455% | 7,483 |
| Assets per employee ($millions) | 4.4455% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6974% | 1,089 |
| Loan loss allowance to noncurrent loans | 35.0358% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 7.5568% | 671 |
| Noncurrent loans to loans | 7.6990% | 723 |
| Net loans and leases to total assets | 67.3558% | 3,538 |
| Net loans and leases to deposits | 86.6893% | 2,469 |
| Net loans and leases to core deposits | 130.1255% | 494 |
| Total domestic deposits to total assets | 77.6980% | 6,397 |
| Equity capital to assets | 16.1436% | 648 |
| Core capital (leverage) ratio | 15.6709% | 631 |
| Tier 1 risk-based capital ratio | 26.4375% | 744 |
| Total risk-based capital ratio | 27.7112% | 729 |
| Memoranda: | ||
| Average total assets | $1,304,898,500 | 525 |
| Average earning assets | $1,043,996,000 | 588 |
| Average equity | $205,668,000 | 339 |
| Average total loans | $915,589,500 | 511 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9538% | 84 |
| Cost of funding earning assets | 1.9058% | 3,434 |
| Net interest margin | 6.0480% | 107 |
| Noninterest income to average assets | 6.6449% | 109 |
| Noninterest expense to average assets | 2.9445% | 4,368 |
| Loan and lease loss provision to assets | 5.3433% | 166 |
| Net operating income to assets | 3.6206% | 41 |
| Return on assets (ROA) | 3.6411% | 42 |
| Pretax return on assets | 3.6775% | 58 |
| Return on Equity (ROE) | 21.8265% | 171 |
| Retained earnings to average equity (ytd only) | 11.4589% | 252 |
| Net charge-offs to loans | 6.9234% | 125 |
| Credit loss provision to net charge-offs | 101.8690% | 5,423 |
| Earnings coverage of net charge-offs (x) | 1.7159% | 4,455 |
| Efficiency ratio | 24.5603% | 7,963 |
| Assets per employee ($millions) | 3.9436% | 3,928 |
| Cash dividends to net income (ytd only)* | 47.5000% | 2,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1063% | 712 |
| Loan loss allowance to noncurrent loans | 236.0687% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 3.0180% | 2,317 |
| Noncurrent loans to loans | 1.3158% | 4,724 |
| Net loans and leases to total assets | 68.8715% | 3,518 |
| Net loans and leases to deposits | 89.4904% | 2,304 |
| Net loans and leases to core deposits | 122.0897% | 1,773 |
| Total domestic deposits to total assets | 76.9597% | 6,490 |
| Equity capital to assets | 15.3905% | 820 |
| Core capital (leverage) ratio | 13.4513% | 1,105 |
| Tier 1 risk-based capital ratio | 25.9826% | 764 |
| Total risk-based capital ratio | 27.2647% | 745 |
| Memoranda: | ||
| Average total assets | $1,098,574,400 | 606 |
| Average earning assets | $962,644,000 | 630 |
| Average equity | $183,263,400 | 373 |
| Average total loans | $832,296,600 | 558 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3057% | 189 |
| Cost of funding earning assets | 1.9441% | 3,645 |
| Net interest margin | 5.3616% | 228 |
| Noninterest income to average assets | 8.9962% | 80 |
| Noninterest expense to average assets | 2.7315% | 5,183 |
| Loan and lease loss provision to assets | 7.5113% | 57 |
| Net operating income to assets | 3.5387% | 45 |
| Return on assets (ROA) | 3.5674% | 45 |
| Pretax return on assets | 3.6054% | 66 |
| Return on Equity (ROE) | 20.8713% | 267 |
| Retained earnings to average equity (ytd only) | 6.6472% | 1,651 |
| Net charge-offs to loans | 7.5235% | 93 |
| Credit loss provision to net charge-offs | 129.2411% | 3,880 |
| Earnings coverage of net charge-offs (x) | 1.9078% | 4,380 |
| Efficiency ratio | 19.7657% | 8,057 |
| Assets per employee ($millions) | 4.0961% | 3,569 |
| Cash dividends to net income (ytd only)* | 68.1517% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0481% | 287 |
| Loan loss allowance to noncurrent loans | 106.5618% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 4.6346% | 1,299 |
| Noncurrent loans to loans | 3.7988% | 1,956 |
| Net loans and leases to total assets | 68.7444% | 3,785 |
| Net loans and leases to deposits | 83.1148% | 3,807 |
| Net loans and leases to core deposits | 111.9241% | 3,033 |
| Total domestic deposits to total assets | 82.7102% | 4,356 |
| Equity capital to assets | 13.5327% | 1,484 |
| Core capital (leverage) ratio | 14.8412% | 886 |
| Tier 1 risk-based capital ratio | 22.8301% | 1,129 |
| Total risk-based capital ratio | 24.1265% | 1,093 |
| Memoranda: | ||
| Average total assets | $1,041,954,500 | 658 |
| Average earning assets | $937,284,750 | 659 |
| Average equity | $178,096,250 | 396 |
| Average total loans | $804,910,500 | 587 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4636% | 165 |
| Cost of funding earning assets | 1.8329% | 4,594 |
| Net interest margin | 5.6307% | 157 |
| Noninterest income to average assets | 1.4001% | 776 |
| Noninterest expense to average assets | 2.7168% | 5,320 |
| Loan and lease loss provision to assets | 2.1254% | 750 |
| Net operating income to assets | 1.8011% | 464 |
| Return on assets (ROA) | 1.8329% | 466 |
| Pretax return on assets | 1.8756% | 729 |
| Return on Equity (ROE) | 9.6718% | 2,145 |
| Retained earnings to average equity (ytd only) | -12.2964% | 7,072 |
| Net charge-offs to loans | 6.2955% | 159 |
| Credit loss provision to net charge-offs | 42.1080% | 5,871 |
| Earnings coverage of net charge-offs (x) | 0.7862% | 4,946 |
| Efficiency ratio | 40.6378% | 8,008 |
| Assets per employee ($millions) | 4.6268% | 2,559 |
| Cash dividends to net income (ytd only)* | 227.1369% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0970% | 1,404 |
| Loan loss allowance to noncurrent loans | 30.2696% | 6,453 |
| Noncurrent assets plus other real estate owned to assets | 6.6476% | 674 |
| Noncurrent loans to loans | 6.9277% | 713 |
| Net loans and leases to total assets | 74.5160% | 2,570 |
| Net loans and leases to deposits | 96.2459% | 1,757 |
| Net loans and leases to core deposits | 116.6035% | 2,653 |
| Total domestic deposits to total assets | 77.4225% | 6,225 |
| Equity capital to assets | 18.4557% | 511 |
| Core capital (leverage) ratio | 20.1737% | 352 |
| Tier 1 risk-based capital ratio | 21.9049% | 1,269 |
| Total risk-based capital ratio | 23.1591% | 1,243 |
| Memoranda: | ||
| Average total assets | $912,761,670 | 773 |
| Average earning assets | $856,767,330 | 739 |
| Average equity | $172,977,000 | 411 |
| Average total loans | $731,819,330 | 668 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5249% | 162 |
| Cost of funding earning assets | 1.9293% | 4,492 |
| Net interest margin | 5.5956% | 159 |
| Noninterest income to average assets | 0.7375% | 2,669 |
| Noninterest expense to average assets | 2.6084% | 5,421 |
| Loan and lease loss provision to assets | 2.3779% | 492 |
| Net operating income to assets | 1.0303% | 2,191 |
| Return on assets (ROA) | 1.0927% | 2,111 |
| Pretax return on assets | 1.1334% | 2,860 |
| Return on Equity (ROE) | 5.6897% | 4,176 |
| Retained earnings to average equity (ytd only) | -38.0769% | 7,946 |
| Net charge-offs to loans | 7.7546% | 99 |
| Credit loss provision to net charge-offs | 37.2746% | 4,849 |
| Earnings coverage of net charge-offs (x) | 0.5402% | 4,562 |
| Efficiency ratio | 43.0805% | 7,963 |
| Assets per employee ($millions) | 4.7944% | 2,302 |
| Cash dividends to net income (ytd only)* | 769.2308% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6353% | 661 |
| Loan loss allowance to noncurrent loans | 44.6514% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 5.7322% | 716 |
| Noncurrent loans to loans | 5.9019% | 823 |
| Net loans and leases to total assets | 81.0169% | 1,198 |
| Net loans and leases to deposits | 105.7323% | 888 |
| Net loans and leases to core deposits | 119.8750% | 2,424 |
| Total domestic deposits to total assets | 76.6246% | 6,378 |
| Equity capital to assets | 19.0180% | 497 |
| Core capital (leverage) ratio | 18.8149% | 467 |
| Tier 1 risk-based capital ratio | 21.3974% | 1,389 |
| Total risk-based capital ratio | 22.6626% | 1,352 |
| Memoranda: | ||
| Average total assets | $904,153,000 | 778 |
| Average earning assets | $859,172,000 | 736 |
| Average equity | $173,648,500 | 415 |
| Average total loans | $743,816,000 | 662 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7342% | 85 |
| Cost of funding earning assets | 2.5143% | 4,131 |
| Net interest margin | 6.2199% | 89 |
| Noninterest income to average assets | 0.6295% | 3,639 |
| Noninterest expense to average assets | 2.4141% | 6,346 |
| Loan and lease loss provision to assets | 2.7053% | 366 |
| Net operating income to assets | 1.4209% | 1,185 |
| Return on assets (ROA) | 1.4385% | 1,103 |
| Pretax return on assets | 1.4900% | 1,712 |
| Return on Equity (ROE) | 8.3503% | 2,914 |
| Retained earnings to average equity (ytd only) | -22.2648% | 7,740 |
| Net charge-offs to loans | 3.3020% | 249 |
| Credit loss provision to net charge-offs | 91.4198% | 5,646 |
| Earnings coverage of net charge-offs (x) | 1.4116% | 5,415 |
| Efficiency ratio | 36.6259% | 8,184 |
| Assets per employee ($millions) | 4.7259% | 2,289 |
| Cash dividends to net income (ytd only)* | 366.6361% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7002% | 239 |
| Loan loss allowance to noncurrent loans | 69.5761% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 4.7748% | 759 |
| Noncurrent loans to loans | 5.3182% | 792 |
| Net loans and leases to total assets | 78.3757% | 2,032 |
| Net loans and leases to deposits | 100.7836% | 1,744 |
| Net loans and leases to core deposits | 111.2471% | 3,644 |
| Total domestic deposits to total assets | 77.7663% | 5,786 |
| Equity capital to assets | 19.3806% | 510 |
| Core capital (leverage) ratio | 18.3979% | 563 |
| Tier 1 risk-based capital ratio | 22.3647% | 1,269 |
| Total risk-based capital ratio | 23.6421% | 1,234 |
| Memoranda: | ||
| Average total assets | $1,061,810,600 | 626 |
| Average earning assets | $1,017,731,400 | 589 |
| Average equity | $182,916,200 | 399 |
| Average total loans | $951,563,800 | 514 |