Home > Summit Community Bank, Inc > Performance and Condition Ratios
Summit Community Bank, Inc, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1351% | 905 |
| Cost of funding earning assets | 2.2591% | 1,428 |
| Net interest margin | 3.8760% | 1,252 |
| Noninterest income to average assets | 0.4400% | 2,063 |
| Noninterest expense to average assets | 1.9641% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.5897% | 789 |
| Return on assets (ROA) | 1.5833% | 807 |
| Pretax return on assets | 2.0420% | 606 |
| Return on Equity (ROE) | 13.6100% | 1,212 |
| Retained earnings to average equity (ytd only) | 10.6434% | 967 |
| Net charge-offs to loans | -0.0101% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 46.8053% | 4,149 |
| Assets per employee ($millions) | 9.5147% | 853 |
| Cash dividends to net income (ytd only)* | 21.8245% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3317% | 1,640 |
| Loan loss allowance to noncurrent loans | 227.6098% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 1,177 |
| Noncurrent loans to loans | 0.5851% | 1,476 |
| Net loans and leases to total assets | 78.7200% | 757 |
| Net loans and leases to deposits | 96.5334% | 677 |
| Net loans and leases to core deposits | 100.5689% | 1,386 |
| Total domestic deposits to total assets | 81.5500% | 3,268 |
| Equity capital to assets | 11.7791% | 1,193 |
| Core capital (leverage) ratio | 10.6170% | 2,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2689% | 2,155 |
| Memoranda: | ||
| Average total assets | $4,630,273,000 | 300 |
| Average earning assets | $4,267,028,500 | 296 |
| Average equity | $538,472,500 | 270 |
| Average total loans | $3,689,327,000 | 268 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1033% | 559 |
| Cost of funding earning assets | 2.0168% | 896 |
| Net interest margin | 4.0866% | 1,087 |
| Noninterest income to average assets | 0.4700% | 2,124 |
| Noninterest expense to average assets | 2.1496% | 3,257 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 1.4103% | 1,200 |
| Return on assets (ROA) | 1.4054% | 1,182 |
| Pretax return on assets | 1.7881% | 906 |
| Return on Equity (ROE) | 12.3800% | 1,870 |
| Retained earnings to average equity (ytd only) | 8.8507% | 1,292 |
| Net charge-offs to loans | 0.1105% | 852 |
| Credit loss provision to net charge-offs | 304.6543% | 950 |
| Earnings coverage of net charge-offs (x) | 23.8439% | 1,783 |
| Efficiency ratio | 49.0147% | 4,038 |
| Assets per employee ($millions) | 9.4042% | 859 |
| Cash dividends to net income (ytd only)* | 28.5351% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 1,732 |
| Loan loss allowance to noncurrent loans | 386.6066% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 1,567 |
| Noncurrent loans to loans | 0.3379% | 1,968 |
| Net loans and leases to total assets | 78.5300% | 810 |
| Net loans and leases to deposits | 96.9889% | 714 |
| Net loans and leases to core deposits | 100.6325% | 1,398 |
| Total domestic deposits to total assets | 80.9700% | 3,312 |
| Equity capital to assets | 11.4794% | 1,292 |
| Core capital (leverage) ratio | 10.2288% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8940% | 2,274 |
| Memoranda: | ||
| Average total assets | $4,313,753,800 | 305 |
| Average earning assets | $3,968,811,200 | 299 |
| Average equity | $489,529,400 | 269 |
| Average total loans | $3,403,210,600 | 269 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0180% | 521 |
| Cost of funding earning assets | 1.9112% | 845 |
| Net interest margin | 4.1069% | 1,058 |
| Noninterest income to average assets | 0.4700% | 2,103 |
| Noninterest expense to average assets | 2.1782% | 3,138 |
| Loan and lease loss provision to assets | 0.3400% | 262 |
| Net operating income to assets | 1.3598% | 1,400 |
| Return on assets (ROA) | 1.3528% | 1,393 |
| Pretax return on assets | 1.7191% | 1,135 |
| Return on Equity (ROE) | 11.9600% | 2,135 |
| Retained earnings to average equity (ytd only) | 8.3686% | 1,848 |
| Net charge-offs to loans | 0.1578% | 533 |
| Credit loss provision to net charge-offs | 273.3147% | 937 |
| Earnings coverage of net charge-offs (x) | 16.6351% | 1,925 |
| Efficiency ratio | 49.5825% | 3,942 |
| Assets per employee ($millions) | 9.1348% | 889 |
| Cash dividends to net income (ytd only)* | 30.0188% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 1,810 |
| Loan loss allowance to noncurrent loans | 367.6500% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 1,518 |
| Noncurrent loans to loans | 0.3569% | 1,949 |
| Net loans and leases to total assets | 77.6100% | 928 |
| Net loans and leases to deposits | 94.3491% | 870 |
| Net loans and leases to core deposits | 97.8189% | 1,453 |
| Total domestic deposits to total assets | 82.2600% | 3,168 |
| Equity capital to assets | 11.0906% | 1,313 |
| Core capital (leverage) ratio | 10.1416% | 2,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7299% | 2,373 |
| Memoranda: | ||
| Average total assets | $4,235,473,750 | 310 |
| Average earning assets | $3,894,656,250 | 304 |
| Average equity | $479,127,250 | 276 |
| Average total loans | $3,333,610,250 | 273 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 527 |
| Cost of funding earning assets | 1.7876% | 752 |
| Net interest margin | 4.0738% | 1,122 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.2322% | 2,987 |
| Loan and lease loss provision to assets | 0.4600% | 166 |
| Net operating income to assets | 1.2194% | 1,774 |
| Return on assets (ROA) | 1.2091% | 1,798 |
| Pretax return on assets | 1.5210% | 1,554 |
| Return on Equity (ROE) | 10.6100% | 2,534 |
| Retained earnings to average equity (ytd only) | 6.9916% | 2,284 |
| Net charge-offs to loans | 0.2359% | 348 |
| Credit loss provision to net charge-offs | 238.1139% | 980 |
| Earnings coverage of net charge-offs (x) | 10.7409% | 1,988 |
| Efficiency ratio | 51.2644% | 3,833 |
| Assets per employee ($millions) | 9.1424% | 865 |
| Cash dividends to net income (ytd only)* | 34.1119% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 1,986 |
| Loan loss allowance to noncurrent loans | 402.8307% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.3554% | 1,493 |
| Noncurrent loans to loans | 0.3192% | 1,998 |
| Net loans and leases to total assets | 77.4900% | 887 |
| Net loans and leases to deposits | 93.6372% | 896 |
| Net loans and leases to core deposits | 97.5230% | 1,381 |
| Total domestic deposits to total assets | 82.7600% | 3,097 |
| Equity capital to assets | 11.1291% | 1,331 |
| Core capital (leverage) ratio | 9.9941% | 2,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5086% | 2,458 |
| Memoranda: | ||
| Average total assets | $4,121,784,000 | 306 |
| Average earning assets | $3,793,389,667 | 298 |
| Average equity | $469,647,333 | 273 |
| Average total loans | $3,245,104,667 | 274 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 550 |
| Cost of funding earning assets | 1.6431% | 640 |
| Net interest margin | 3.9381% | 1,390 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 1.9472% | 3,754 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.5798% | 1,015 |
| Return on assets (ROA) | 1.5750% | 1,024 |
| Pretax return on assets | 1.9697% | 820 |
| Return on Equity (ROE) | 13.6400% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.1050% | 1,671 |
| Net charge-offs to loans | -0.0080% | 3,778 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 46.9132% | 4,170 |
| Assets per employee ($millions) | 9.2059% | 869 |
| Cash dividends to net income (ytd only)* | 25.9151% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 1,957 |
| Loan loss allowance to noncurrent loans | 559.2440% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 1,594 |
| Noncurrent loans to loans | 0.2356% | 2,325 |
| Net loans and leases to total assets | 77.4600% | 822 |
| Net loans and leases to deposits | 92.4136% | 888 |
| Net loans and leases to core deposits | 96.0024% | 1,284 |
| Total domestic deposits to total assets | 83.8200% | 3,128 |
| Equity capital to assets | 11.6538% | 1,104 |
| Core capital (leverage) ratio | 10.6112% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1032% | 2,352 |
| Memoranda: | ||
| Average total assets | $3,919,937,500 | 324 |
| Average earning assets | $3,611,010,000 | 315 |
| Average equity | $452,648,500 | 285 |
| Average total loans | $3,091,376,500 | 296 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6177% | 599 |
| Cost of funding earning assets | 0.7129% | 554 |
| Net interest margin | 3.9048% | 949 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 1.9161% | 3,798 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.5713% | 738 |
| Return on assets (ROA) | 1.5563% | 732 |
| Pretax return on assets | 1.9672% | 511 |
| Return on Equity (ROE) | 13.5500% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.8684% | 1,203 |
| Net charge-offs to loans | 0.0230% | 1,603 |
| Credit loss provision to net charge-offs | 1,075.0369% | 406 |
| Earnings coverage of net charge-offs (x) | 119.8346% | 886 |
| Efficiency ratio | 45.9244% | 4,348 |
| Assets per employee ($millions) | 9.1327% | 874 |
| Cash dividends to net income (ytd only)* | 27.1828% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,086 |
| Loan loss allowance to noncurrent loans | 497.3025% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 1,525 |
| Noncurrent loans to loans | 0.2537% | 2,250 |
| Net loans and leases to total assets | 78.2400% | 774 |
| Net loans and leases to deposits | 95.6931% | 665 |
| Net loans and leases to core deposits | 98.3209% | 1,087 |
| Total domestic deposits to total assets | 81.7600% | 3,656 |
| Equity capital to assets | 11.4392% | 1,103 |
| Core capital (leverage) ratio | 10.3988% | 2,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6307% | 2,517 |
| Memoranda: | ||
| Average total assets | $3,734,802,000 | 330 |
| Average earning assets | $3,437,204,200 | 321 |
| Average equity | $428,893,600 | 291 |
| Average total loans | $2,949,586,200 | 284 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 661 |
| Cost of funding earning assets | 0.4873% | 804 |
| Net interest margin | 3.8585% | 870 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 1.9138% | 3,718 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.5348% | 767 |
| Return on assets (ROA) | 1.5153% | 795 |
| Pretax return on assets | 1.9221% | 553 |
| Return on Equity (ROE) | 13.1800% | 1,649 |
| Retained earnings to average equity (ytd only) | 9.5098% | 1,481 |
| Net charge-offs to loans | 0.0309% | 1,218 |
| Credit loss provision to net charge-offs | 758.5799% | 482 |
| Earnings coverage of net charge-offs (x) | 87.8905% | 1,006 |
| Efficiency ratio | 46.2037% | 4,372 |
| Assets per employee ($millions) | 8.8845% | 934 |
| Cash dividends to net income (ytd only)* | 27.8552% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,554 |
| Loan loss allowance to noncurrent loans | 399.4565% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 1,454 |
| Noncurrent loans to loans | 0.2991% | 2,167 |
| Net loans and leases to total assets | 78.6300% | 649 |
| Net loans and leases to deposits | 97.3356% | 481 |
| Net loans and leases to core deposits | 100.4119% | 793 |
| Total domestic deposits to total assets | 80.7800% | 4,016 |
| Equity capital to assets | 11.1983% | 1,102 |
| Core capital (leverage) ratio | 10.3487% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2430% | 2,734 |
| Memoranda: | ||
| Average total assets | $3,695,867,250 | 333 |
| Average earning assets | $3,402,213,250 | 324 |
| Average equity | $424,855,000 | 294 |
| Average total loans | $2,916,278,250 | 283 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0825% | 800 |
| Cost of funding earning assets | 0.3242% | 1,490 |
| Net interest margin | 3.7583% | 822 |
| Noninterest income to average assets | 0.5036% | 2,181 |
| Noninterest expense to average assets | 1.8949% | 3,717 |
| Loan and lease loss provision to assets | 0.2171% | 364 |
| Net operating income to assets | 1.4612% | 775 |
| Return on assets (ROA) | 1.4420% | 793 |
| Pretax return on assets | 1.8299% | 555 |
| Return on Equity (ROE) | 12.4303% | 1,540 |
| Retained earnings to average equity (ytd only) | 8.8302% | 1,342 |
| Net charge-offs to loans | 0.0467% | 927 |
| Credit loss provision to net charge-offs | 513.9222% | 619 |
| Earnings coverage of net charge-offs (x) | 56.4266% | 1,104 |
| Efficiency ratio | 46.7593% | 4,410 |
| Assets per employee ($millions) | 8.6223% | 1,016 |
| Cash dividends to net income (ytd only)* | 28.9623% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,807 |
| Loan loss allowance to noncurrent loans | 320.5613% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 1,307 |
| Noncurrent loans to loans | 0.3674% | 2,048 |
| Net loans and leases to total assets | 78.6207% | 511 |
| Net loans and leases to deposits | 98.4021% | 328 |
| Net loans and leases to core deposits | 101.9870% | 593 |
| Total domestic deposits to total assets | 79.8974% | 4,235 |
| Equity capital to assets | 11.3661% | 1,074 |
| Core capital (leverage) ratio | 10.4468% | 1,993 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3720% | 2,708 |
| Memoranda: | ||
| Average total assets | $3,639,576,000 | 331 |
| Average earning assets | $3,353,199,333 | 326 |
| Average equity | $422,211,333 | 292 |
| Average total loans | $2,863,208,000 | 284 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 809 |
| Cost of funding earning assets | 0.2549% | 2,104 |
| Net interest margin | 3.7195% | 725 |
| Noninterest income to average assets | 0.4968% | 2,152 |
| Noninterest expense to average assets | 1.9227% | 3,628 |
| Loan and lease loss provision to assets | 0.2174% | 324 |
| Net operating income to assets | 1.4052% | 789 |
| Return on assets (ROA) | 1.3918% | 813 |
| Pretax return on assets | 1.7710% | 582 |
| Return on Equity (ROE) | 11.8730% | 1,356 |
| Retained earnings to average equity (ytd only) | 8.2596% | 1,500 |
| Net charge-offs to loans | 0.0726% | 632 |
| Credit loss provision to net charge-offs | 163.6542% | 833 |
| Earnings coverage of net charge-offs (x) | 35.3418% | 1,066 |
| Efficiency ratio | 47.8730% | 4,408 |
| Assets per employee ($millions) | 8.4014% | 1,163 |
| Cash dividends to net income (ytd only)* | 30.4341% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 3,131 |
| Loan loss allowance to noncurrent loans | 278.0448% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 1,165 |
| Noncurrent loans to loans | 0.4116% | 2,018 |
| Net loans and leases to total assets | 77.8313% | 385 |
| Net loans and leases to deposits | 93.2382% | 393 |
| Net loans and leases to core deposits | 96.8743% | 618 |
| Total domestic deposits to total assets | 83.4757% | 3,869 |
| Equity capital to assets | 11.6473% | 1,077 |
| Core capital (leverage) ratio | 10.4900% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5443% | 2,759 |
| Memoranda: | ||
| Average total assets | $3,588,319,500 | 335 |
| Average earning assets | $3,310,147,500 | 334 |
| Average equity | $420,651,500 | 302 |
| Average total loans | $2,806,252,000 | 289 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9794% | 1,408 |
| Cost of funding earning assets | 0.3247% | 2,166 |
| Net interest margin | 3.6548% | 1,329 |
| Noninterest income to average assets | 0.5441% | 2,379 |
| Noninterest expense to average assets | 1.9627% | 3,788 |
| Loan and lease loss provision to assets | 0.1199% | 1,036 |
| Net operating income to assets | 1.4582% | 1,115 |
| Return on assets (ROA) | 1.4684% | 1,146 |
| Pretax return on assets | 1.8427% | 833 |
| Return on Equity (ROE) | 13.4849% | 1,314 |
| Retained earnings to average equity (ytd only) | 10.1551% | 880 |
| Net charge-offs to loans | 0.0378% | 1,497 |
| Credit loss provision to net charge-offs | 95.9119% | 1,843 |
| Earnings coverage of net charge-offs (x) | 68.2075% | 1,097 |
| Efficiency ratio | 48.9676% | 4,352 |
| Assets per employee ($millions) | 8.2498% | 1,193 |
| Cash dividends to net income (ytd only)* | 24.6929% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1695% | 3,021 |
| Loan loss allowance to noncurrent loans | 254.3951% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 1,036 |
| Noncurrent loans to loans | 0.4597% | 1,983 |
| Net loans and leases to total assets | 76.7601% | 456 |
| Net loans and leases to deposits | 92.2918% | 451 |
| Net loans and leases to core deposits | 95.3612% | 718 |
| Total domestic deposits to total assets | 83.1711% | 3,769 |
| Equity capital to assets | 11.7997% | 1,345 |
| Core capital (leverage) ratio | 10.4457% | 1,957 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8053% | 2,701 |
| Memoranda: | ||
| Average total assets | $3,337,161,400 | 346 |
| Average earning assets | $3,075,777,000 | 345 |
| Average equity | $363,384,200 | 344 |
| Average total loans | $2,523,596,000 | 301 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 1,542 |
| Cost of funding earning assets | 0.3482% | 2,133 |
| Net interest margin | 3.6469% | 1,476 |
| Noninterest income to average assets | 0.5127% | 2,568 |
| Noninterest expense to average assets | 1.9680% | 3,770 |
| Loan and lease loss provision to assets | 0.1015% | 1,186 |
| Net operating income to assets | 1.4221% | 1,468 |
| Return on assets (ROA) | 1.4393% | 1,482 |
| Pretax return on assets | 1.8236% | 1,107 |
| Return on Equity (ROE) | 13.5238% | 1,546 |
| Retained earnings to average equity (ytd only) | 10.3560% | 1,211 |
| Net charge-offs to loans | 0.0412% | 1,272 |
| Credit loss provision to net charge-offs | 109.0670% | 1,523 |
| Earnings coverage of net charge-offs (x) | 61.5795% | 1,122 |
| Efficiency ratio | 49.6003% | 4,256 |
| Assets per employee ($millions) | 7.7776% | 1,394 |
| Cash dividends to net income (ytd only)* | 23.4238% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,640 |
| Loan loss allowance to noncurrent loans | 291.6307% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 1,116 |
| Noncurrent loans to loans | 0.4348% | 2,255 |
| Net loans and leases to total assets | 71.9304% | 882 |
| Net loans and leases to deposits | 85.1913% | 875 |
| Net loans and leases to core deposits | 88.1328% | 1,144 |
| Total domestic deposits to total assets | 84.4340% | 3,325 |
| Equity capital to assets | 10.5294% | 2,433 |
| Core capital (leverage) ratio | 9.2357% | 3,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0598% | 2,954 |
| Memoranda: | ||
| Average total assets | $3,282,539,750 | 351 |
| Average earning assets | $3,023,137,250 | 347 |
| Average equity | $349,341,000 | 355 |
| Average total loans | $2,464,090,500 | 308 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 1,464 |
| Cost of funding earning assets | 0.3783% | 2,062 |
| Net interest margin | 3.6670% | 1,433 |
| Noninterest income to average assets | 0.5170% | 2,550 |
| Noninterest expense to average assets | 1.9839% | 3,749 |
| Loan and lease loss provision to assets | 0.1559% | 754 |
| Net operating income to assets | 1.3699% | 1,654 |
| Return on assets (ROA) | 1.3996% | 1,637 |
| Pretax return on assets | 1.7896% | 1,263 |
| Return on Equity (ROE) | 13.1004% | 1,674 |
| Retained earnings to average equity (ytd only) | 10.0071% | 1,391 |
| Net charge-offs to loans | 0.0321% | 1,331 |
| Credit loss provision to net charge-offs | 519.1816% | 668 |
| Earnings coverage of net charge-offs (x) | 78.2583% | 846 |
| Efficiency ratio | 49.7148% | 4,253 |
| Assets per employee ($millions) | 7.5724% | 1,433 |
| Cash dividends to net income (ytd only)* | 23.6122% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 2,003 |
| Loan loss allowance to noncurrent loans | 148.2478% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.1013% | 668 |
| Noncurrent loans to loans | 0.9400% | 1,312 |
| Net loans and leases to total assets | 73.2945% | 825 |
| Net loans and leases to deposits | 87.6749% | 795 |
| Net loans and leases to core deposits | 91.0732% | 1,059 |
| Total domestic deposits to total assets | 83.5981% | 3,545 |
| Equity capital to assets | 11.0429% | 1,950 |
| Core capital (leverage) ratio | 9.7473% | 2,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8783% | 2,754 |
| Memoranda: | ||
| Average total assets | $3,207,488,667 | 351 |
| Average earning assets | $2,951,973,000 | 350 |
| Average equity | $342,675,333 | 360 |
| Average total loans | $2,433,619,667 | 313 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0787% | 1,440 |
| Cost of funding earning assets | 0.4078% | 2,032 |
| Net interest margin | 3.6709% | 1,398 |
| Noninterest income to average assets | 0.5494% | 2,410 |
| Noninterest expense to average assets | 1.9975% | 3,718 |
| Loan and lease loss provision to assets | 0.1889% | 649 |
| Net operating income to assets | 1.3546% | 1,673 |
| Return on assets (ROA) | 1.4019% | 1,644 |
| Pretax return on assets | 1.7966% | 1,293 |
| Return on Equity (ROE) | 13.3537% | 1,579 |
| Retained earnings to average equity (ytd only) | 10.3542% | 1,560 |
| Net charge-offs to loans | 0.0311% | 1,176 |
| Credit loss provision to net charge-offs | 1,050.2646% | 404 |
| Earnings coverage of net charge-offs (x) | 80.8836% | 697 |
| Efficiency ratio | 49.6163% | 4,218 |
| Assets per employee ($millions) | 7.6197% | 1,386 |
| Cash dividends to net income (ytd only)* | 22.4618% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 2,020 |
| Loan loss allowance to noncurrent loans | 134.3940% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 618 |
| Noncurrent loans to loans | 1.0317% | 1,300 |
| Net loans and leases to total assets | 74.5882% | 766 |
| Net loans and leases to deposits | 88.6816% | 783 |
| Net loans and leases to core deposits | 92.7173% | 1,063 |
| Total domestic deposits to total assets | 84.1078% | 3,398 |
| Equity capital to assets | 10.4570% | 2,308 |
| Core capital (leverage) ratio | 9.3308% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0254% | 2,930 |
| Memoranda: | ||
| Average total assets | $3,175,593,500 | 357 |
| Average earning assets | $2,918,416,000 | 350 |
| Average equity | $333,391,500 | 363 |
| Average total loans | $2,434,653,000 | 311 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 1,250 |
| Cost of funding earning assets | 0.7245% | 1,590 |
| Net interest margin | 3.8002% | 1,499 |
| Noninterest income to average assets | 0.5242% | 2,529 |
| Noninterest expense to average assets | 2.1252% | 3,883 |
| Loan and lease loss provision to assets | 0.5245% | 444 |
| Net operating income to assets | 1.1040% | 1,913 |
| Return on assets (ROA) | 1.2057% | 1,643 |
| Pretax return on assets | 1.4931% | 1,354 |
| Return on Equity (ROE) | 11.3458% | 1,511 |
| Retained earnings to average equity (ytd only) | 7.9420% | 1,069 |
| Net charge-offs to loans | 0.0787% | 1,687 |
| Credit loss provision to net charge-offs | 748.2678% | 957 |
| Earnings coverage of net charge-offs (x) | 30.7146% | 1,588 |
| Efficiency ratio | 51.4091% | 4,426 |
| Assets per employee ($millions) | 7.0413% | 1,557 |
| Cash dividends to net income (ytd only)* | 30.0003% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,251 |
| Loan loss allowance to noncurrent loans | 158.5661% | 2,724 |
| Noncurrent assets plus other real estate owned to assets | 1.1569% | 769 |
| Noncurrent loans to loans | 0.8424% | 1,668 |
| Net loans and leases to total assets | 76.7067% | 721 |
| Net loans and leases to deposits | 91.5581% | 812 |
| Net loans and leases to core deposits | 96.6426% | 1,083 |
| Total domestic deposits to total assets | 83.7792% | 3,175 |
| Equity capital to assets | 10.5420% | 2,635 |
| Core capital (leverage) ratio | 9.4853% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0326% | 2,914 |
| Memoranda: | ||
| Average total assets | $2,764,624,200 | 368 |
| Average earning assets | $2,541,194,400 | 362 |
| Average equity | $293,790,800 | 375 |
| Average total loans | $2,162,995,000 | 331 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5885% | 1,342 |
| Cost of funding earning assets | 0.8104% | 1,446 |
| Net interest margin | 3.7781% | 1,686 |
| Noninterest income to average assets | 0.5066% | 2,593 |
| Noninterest expense to average assets | 2.1636% | 3,771 |
| Loan and lease loss provision to assets | 0.5722% | 460 |
| Net operating income to assets | 0.9959% | 2,353 |
| Return on assets (ROA) | 1.0977% | 2,116 |
| Pretax return on assets | 1.3729% | 1,818 |
| Return on Equity (ROE) | 10.3062% | 1,902 |
| Retained earnings to average equity (ytd only) | 6.5689% | 1,861 |
| Net charge-offs to loans | 0.0929% | 1,378 |
| Credit loss provision to net charge-offs | 710.9290% | 1,059 |
| Earnings coverage of net charge-offs (x) | 24.9536% | 1,741 |
| Efficiency ratio | 52.7796% | 4,274 |
| Assets per employee ($millions) | 6.9797% | 1,519 |
| Cash dividends to net income (ytd only)* | 36.2631% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3021% | 2,145 |
| Loan loss allowance to noncurrent loans | 293.4520% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9450% | 1,196 |
| Noncurrent loans to loans | 0.4437% | 2,717 |
| Net loans and leases to total assets | 75.5407% | 1,151 |
| Net loans and leases to deposits | 90.5307% | 1,221 |
| Net loans and leases to core deposits | 96.0043% | 1,458 |
| Total domestic deposits to total assets | 83.4422% | 3,013 |
| Equity capital to assets | 10.7542% | 2,583 |
| Core capital (leverage) ratio | 9.5561% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7478% | 2,705 |
| Memoranda: | ||
| Average total assets | $2,679,477,250 | 365 |
| Average earning assets | $2,464,339,750 | 362 |
| Average equity | $285,400,250 | 378 |
| Average total loans | $2,100,206,000 | 333 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 1,498 |
| Cost of funding earning assets | 0.8966% | 1,392 |
| Net interest margin | 3.7667% | 1,930 |
| Noninterest income to average assets | 0.4681% | 2,723 |
| Noninterest expense to average assets | 2.2251% | 3,709 |
| Loan and lease loss provision to assets | 0.6369% | 471 |
| Net operating income to assets | 0.8663% | 2,818 |
| Return on assets (ROA) | 0.9312% | 2,708 |
| Pretax return on assets | 1.1511% | 2,544 |
| Return on Equity (ROE) | 8.7747% | 2,458 |
| Retained earnings to average equity (ytd only) | 4.4103% | 2,743 |
| Net charge-offs to loans | 0.0439% | 1,869 |
| Credit loss provision to net charge-offs | 1,601.3333% | 574 |
| Earnings coverage of net charge-offs (x) | 49.1644% | 1,112 |
| Efficiency ratio | 54.9286% | 4,071 |
| Assets per employee ($millions) | 6.6809% | 1,655 |
| Cash dividends to net income (ytd only)* | 49.7389% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 2,404 |
| Loan loss allowance to noncurrent loans | 216.8423% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0660% | 1,084 |
| Noncurrent loans to loans | 0.5634% | 2,475 |
| Net loans and leases to total assets | 76.8192% | 1,020 |
| Net loans and leases to deposits | 89.5313% | 1,394 |
| Net loans and leases to core deposits | 96.2355% | 1,559 |
| Total domestic deposits to total assets | 85.8015% | 2,093 |
| Equity capital to assets | 9.8913% | 3,295 |
| Core capital (leverage) ratio | 9.0176% | 3,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3592% | 3,112 |
| Memoranda: | ||
| Average total assets | $2,590,831,000 | 370 |
| Average earning assets | $2,383,217,000 | 367 |
| Average equity | $274,948,333 | 390 |
| Average total loans | $2,048,827,000 | 336 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8876% | 1,219 |
| Cost of funding earning assets | 1.0594% | 1,184 |
| Net interest margin | 3.8283% | 1,882 |
| Noninterest income to average assets | 0.4252% | 2,937 |
| Noninterest expense to average assets | 2.3055% | 3,760 |
| Loan and lease loss provision to assets | 0.8549% | 276 |
| Net operating income to assets | 0.6277% | 3,525 |
| Return on assets (ROA) | 0.7612% | 3,127 |
| Pretax return on assets | 0.9584% | 2,970 |
| Return on Equity (ROE) | 6.9002% | 2,992 |
| Retained earnings to average equity (ytd only) | 0.9963% | 3,741 |
| Net charge-offs to loans | 0.1022% | 1,068 |
| Credit loss provision to net charge-offs | 937.9242% | 604 |
| Earnings coverage of net charge-offs (x) | 20.1557% | 1,424 |
| Efficiency ratio | 56.6022% | 4,150 |
| Assets per employee ($millions) | 6.5737% | 1,309 |
| Cash dividends to net income (ytd only)* | 85.5615% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2255% | 2,532 |
| Loan loss allowance to noncurrent loans | 229.4880% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1553% | 1,105 |
| Noncurrent loans to loans | 0.5340% | 2,664 |
| Net loans and leases to total assets | 78.9805% | 825 |
| Net loans and leases to deposits | 96.9050% | 827 |
| Net loans and leases to core deposits | 106.6931% | 1,015 |
| Total domestic deposits to total assets | 81.5030% | 3,545 |
| Equity capital to assets | 10.9464% | 2,907 |
| Core capital (leverage) ratio | 10.2411% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5377% | 2,916 |
| Memoranda: | ||
| Average total assets | $2,456,538,500 | 377 |
| Average earning assets | $2,261,707,500 | 367 |
| Average equity | $271,006,000 | 391 |
| Average total loans | $1,961,367,000 | 341 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0705% | 1,288 |
| Cost of funding earning assets | 1.3755% | 609 |
| Net interest margin | 3.6950% | 2,829 |
| Noninterest income to average assets | 0.5090% | 2,683 |
| Noninterest expense to average assets | 2.1770% | 4,209 |
| Loan and lease loss provision to assets | 0.0677% | 2,657 |
| Net operating income to assets | 1.3412% | 1,539 |
| Return on assets (ROA) | 1.4088% | 1,396 |
| Pretax return on assets | 1.7541% | 1,060 |
| Return on Equity (ROE) | 12.8491% | 1,213 |
| Retained earnings to average equity (ytd only) | 9.2659% | 649 |
| Net charge-offs to loans | 0.0844% | 1,909 |
| Credit loss provision to net charge-offs | 101.7728% | 2,435 |
| Earnings coverage of net charge-offs (x) | 26.1287% | 1,706 |
| Efficiency ratio | 53.7964% | 4,441 |
| Assets per employee ($millions) | 6.7851% | 1,134 |
| Cash dividends to net income (ytd only)* | 27.8871% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6828% | 4,605 |
| Loan loss allowance to noncurrent loans | 113.5882% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 1.2817% | 869 |
| Noncurrent loans to loans | 0.6011% | 2,384 |
| Net loans and leases to total assets | 79.1753% | 903 |
| Net loans and leases to deposits | 99.2864% | 646 |
| Net loans and leases to core deposits | 110.1679% | 841 |
| Total domestic deposits to total assets | 79.7443% | 4,030 |
| Equity capital to assets | 11.1215% | 2,884 |
| Core capital (leverage) ratio | 10.5589% | 2,898 |
| Tier 1 risk-based capital ratio | 12.0746% | 4,322 |
| Total risk-based capital ratio | 12.7214% | 4,524 |
| Memoranda: | ||
| Average total assets | $2,290,740,800 | 376 |
| Average earning assets | $2,111,039,400 | 370 |
| Average equity | $251,168,400 | 390 |
| Average total loans | $1,804,226,800 | 354 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 1,264 |
| Cost of funding earning assets | 1.4072% | 565 |
| Net interest margin | 3.7051% | 2,901 |
| Noninterest income to average assets | 0.4622% | 2,944 |
| Noninterest expense to average assets | 2.2014% | 4,177 |
| Loan and lease loss provision to assets | 0.0619% | 2,666 |
| Net operating income to assets | 1.3023% | 1,854 |
| Return on assets (ROA) | 1.3755% | 1,623 |
| Pretax return on assets | 1.7045% | 1,328 |
| Return on Equity (ROE) | 12.5931% | 1,414 |
| Retained earnings to average equity (ytd only) | 8.8172% | 1,097 |
| Net charge-offs to loans | 0.0868% | 1,611 |
| Credit loss provision to net charge-offs | 90.8304% | 2,387 |
| Earnings coverage of net charge-offs (x) | 24.6056% | 1,790 |
| Efficiency ratio | 54.9015% | 4,293 |
| Assets per employee ($millions) | 6.6524% | 1,189 |
| Cash dividends to net income (ytd only)* | 29.9837% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6984% | 4,660 |
| Loan loss allowance to noncurrent loans | 101.5937% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4523% | 786 |
| Noncurrent loans to loans | 0.6875% | 2,239 |
| Net loans and leases to total assets | 79.2512% | 949 |
| Net loans and leases to deposits | 100.3175% | 604 |
| Net loans and leases to core deposits | 117.2562% | 618 |
| Total domestic deposits to total assets | 79.0003% | 4,187 |
| Equity capital to assets | 11.2601% | 2,871 |
| Core capital (leverage) ratio | 10.4443% | 3,153 |
| Tier 1 risk-based capital ratio | 12.1888% | 4,321 |
| Total risk-based capital ratio | 12.8546% | 4,518 |
| Memoranda: | ||
| Average total assets | $2,262,940,750 | 382 |
| Average earning assets | $2,085,821,500 | 376 |
| Average equity | $247,177,500 | 399 |
| Average total loans | $1,776,579,000 | 360 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 1,203 |
| Cost of funding earning assets | 1.3959% | 546 |
| Net interest margin | 3.7094% | 2,907 |
| Noninterest income to average assets | 0.4196% | 3,139 |
| Noninterest expense to average assets | 2.2340% | 4,159 |
| Loan and lease loss provision to assets | 0.0490% | 2,842 |
| Net operating income to assets | 1.2560% | 1,932 |
| Return on assets (ROA) | 1.3343% | 1,702 |
| Pretax return on assets | 1.6490% | 1,398 |
| Return on Equity (ROE) | 12.3468% | 1,461 |
| Retained earnings to average equity (ytd only) | 6.5718% | 2,017 |
| Net charge-offs to loans | 0.0508% | 1,919 |
| Credit loss provision to net charge-offs | 123.5955% | 1,710 |
| Earnings coverage of net charge-offs (x) | 40.3685% | 1,238 |
| Efficiency ratio | 56.3154% | 4,212 |
| Assets per employee ($millions) | 6.6942% | 1,138 |
| Cash dividends to net income (ytd only)* | 46.7727% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 4,662 |
| Loan loss allowance to noncurrent loans | 97.6030% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 1.5184% | 740 |
| Noncurrent loans to loans | 0.7407% | 2,138 |
| Net loans and leases to total assets | 78.6622% | 1,094 |
| Net loans and leases to deposits | 100.2556% | 656 |
| Net loans and leases to core deposits | 116.9773% | 647 |
| Total domestic deposits to total assets | 78.4617% | 4,319 |
| Equity capital to assets | 10.9465% | 3,125 |
| Core capital (leverage) ratio | 10.2245% | 3,363 |
| Tier 1 risk-based capital ratio | 11.9469% | 4,448 |
| Total risk-based capital ratio | 12.6356% | 4,639 |
| Memoranda: | ||
| Average total assets | $2,243,352,670 | 386 |
| Average earning assets | $2,065,868,000 | 383 |
| Average equity | $242,428,000 | 404 |
| Average total loans | $1,751,132,330 | 368 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 1,158 |
| Cost of funding earning assets | 1.3821% | 490 |
| Net interest margin | 3.6906% | 2,928 |
| Noninterest income to average assets | 0.5019% | 2,545 |
| Noninterest expense to average assets | 2.1869% | 4,286 |
| Loan and lease loss provision to assets | 0.0451% | 2,744 |
| Net operating income to assets | 1.3583% | 1,497 |
| Return on assets (ROA) | 1.3579% | 1,542 |
| Pretax return on assets | 1.6641% | 1,301 |
| Return on Equity (ROE) | 12.6503% | 1,340 |
| Retained earnings to average equity (ytd only) | 4.2459% | 3,218 |
| Net charge-offs to loans | 0.0384% | 1,726 |
| Credit loss provision to net charge-offs | 151.5152% | 1,226 |
| Earnings coverage of net charge-offs (x) | 57.4303% | 935 |
| Efficiency ratio | 54.1510% | 4,518 |
| Assets per employee ($millions) | 6.4583% | 1,259 |
| Cash dividends to net income (ytd only)* | 66.4364% | 1,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7553% | 4,652 |
| Loan loss allowance to noncurrent loans | 131.6623% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5335% | 769 |
| Noncurrent loans to loans | 0.5737% | 2,609 |
| Net loans and leases to total assets | 76.9962% | 1,320 |
| Net loans and leases to deposits | 96.2693% | 936 |
| Net loans and leases to core deposits | 111.9970% | 829 |
| Total domestic deposits to total assets | 79.9800% | 4,180 |
| Equity capital to assets | 10.9250% | 2,923 |
| Core capital (leverage) ratio | 10.0498% | 3,548 |
| Tier 1 risk-based capital ratio | 12.3197% | 4,290 |
| Total risk-based capital ratio | 13.0471% | 4,472 |
| Memoranda: | ||
| Average total assets | $2,216,978,000 | 391 |
| Average earning assets | $2,039,232,500 | 389 |
| Average equity | $237,970,500 | 409 |
| Average total loans | $1,717,040,500 | 375 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8426% | 1,443 |
| Cost of funding earning assets | 1.2547% | 266 |
| Net interest margin | 3.5878% | 3,421 |
| Noninterest income to average assets | 0.5492% | 2,549 |
| Noninterest expense to average assets | 2.0791% | 4,609 |
| Loan and lease loss provision to assets | 0.1053% | 2,088 |
| Net operating income to assets | 1.3399% | 1,654 |
| Return on assets (ROA) | 1.3631% | 1,546 |
| Pretax return on assets | 1.7022% | 1,162 |
| Return on Equity (ROE) | 13.1188% | 1,299 |
| Retained earnings to average equity (ytd only) | 8.6810% | 992 |
| Net charge-offs to loans | 0.1075% | 1,669 |
| Credit loss provision to net charge-offs | 127.2624% | 2,070 |
| Earnings coverage of net charge-offs (x) | 21.4870% | 1,939 |
| Efficiency ratio | 52.1117% | 4,790 |
| Assets per employee ($millions) | 6.5461% | 1,196 |
| Cash dividends to net income (ytd only)* | 33.8279% | 2,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7695% | 4,628 |
| Loan loss allowance to noncurrent loans | 86.8353% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.6625% | 653 |
| Noncurrent loans to loans | 0.8862% | 1,820 |
| Net loans and leases to total assets | 76.7192% | 1,483 |
| Net loans and leases to deposits | 102.6741% | 551 |
| Net loans and leases to core deposits | 120.8851% | 519 |
| Total domestic deposits to total assets | 74.7210% | 4,899 |
| Equity capital to assets | 10.5389% | 3,142 |
| Core capital (leverage) ratio | 9.9811% | 3,603 |
| Tier 1 risk-based capital ratio | 12.0338% | 4,410 |
| Total risk-based capital ratio | 12.7677% | 4,619 |
| Memoranda: | ||
| Average total assets | $2,136,084,000 | 398 |
| Average earning assets | $1,969,655,800 | 391 |
| Average equity | $221,956,600 | 417 |
| Average total loans | $1,644,303,200 | 381 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 1,494 |
| Cost of funding earning assets | 1.2041% | 251 |
| Net interest margin | 3.5652% | 3,475 |
| Noninterest income to average assets | 0.5518% | 2,562 |
| Noninterest expense to average assets | 2.0963% | 4,564 |
| Loan and lease loss provision to assets | 0.1100% | 1,835 |
| Net operating income to assets | 1.3105% | 1,812 |
| Return on assets (ROA) | 1.3522% | 1,667 |
| Pretax return on assets | 1.6892% | 1,302 |
| Return on Equity (ROE) | 13.0612% | 1,408 |
| Retained earnings to average equity (ytd only) | 8.1448% | 1,584 |
| Net charge-offs to loans | 0.1120% | 1,374 |
| Credit loss provision to net charge-offs | 127.6441% | 1,920 |
| Earnings coverage of net charge-offs (x) | 20.2801% | 1,962 |
| Efficiency ratio | 52.7262% | 4,734 |
| Assets per employee ($millions) | 6.5195% | 1,178 |
| Cash dividends to net income (ytd only)* | 37.6412% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7864% | 4,670 |
| Loan loss allowance to noncurrent loans | 76.2758% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.8288% | 624 |
| Noncurrent loans to loans | 1.0310% | 1,662 |
| Net loans and leases to total assets | 76.6037% | 1,568 |
| Net loans and leases to deposits | 98.5479% | 905 |
| Net loans and leases to core deposits | 115.9441% | 717 |
| Total domestic deposits to total assets | 77.7325% | 4,523 |
| Equity capital to assets | 10.4752% | 3,169 |
| Core capital (leverage) ratio | 9.9339% | 3,704 |
| Tier 1 risk-based capital ratio | 11.9550% | 4,526 |
| Total risk-based capital ratio | 12.7000% | 4,703 |
| Memoranda: | ||
| Average total assets | $2,121,870,250 | 399 |
| Average earning assets | $1,959,047,000 | 394 |
| Average equity | $219,668,000 | 419 |
| Average total loans | $1,631,516,000 | 381 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7304% | 1,428 |
| Cost of funding earning assets | 1.1589% | 220 |
| Net interest margin | 3.5715% | 3,406 |
| Noninterest income to average assets | 0.5351% | 2,668 |
| Noninterest expense to average assets | 2.0930% | 4,624 |
| Loan and lease loss provision to assets | 0.1180% | 1,677 |
| Net operating income to assets | 1.2936% | 1,795 |
| Return on assets (ROA) | 1.3555% | 1,589 |
| Pretax return on assets | 1.7003% | 1,212 |
| Return on Equity (ROE) | 13.1453% | 1,322 |
| Retained earnings to average equity (ytd only) | 10.3071% | 840 |
| Net charge-offs to loans | 0.1518% | 1,017 |
| Credit loss provision to net charge-offs | 101.2146% | 2,001 |
| Earnings coverage of net charge-offs (x) | 14.9328% | 2,069 |
| Efficiency ratio | 52.7491% | 4,807 |
| Assets per employee ($millions) | 6.4635% | 1,191 |
| Cash dividends to net income (ytd only)* | 21.5908% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7717% | 4,776 |
| Loan loss allowance to noncurrent loans | 79.7363% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.7796% | 662 |
| Noncurrent loans to loans | 0.9679% | 1,795 |
| Net loans and leases to total assets | 77.0006% | 1,468 |
| Net loans and leases to deposits | 98.4790% | 929 |
| Net loans and leases to core deposits | 116.8271% | 676 |
| Total domestic deposits to total assets | 78.1899% | 4,555 |
| Equity capital to assets | 10.6169% | 3,013 |
| Core capital (leverage) ratio | 9.8237% | 3,761 |
| Tier 1 risk-based capital ratio | 12.0452% | 4,465 |
| Total risk-based capital ratio | 12.7836% | 4,665 |
| Memoranda: | ||
| Average total assets | $2,118,535,670 | 399 |
| Average earning assets | $1,956,892,670 | 396 |
| Average equity | $218,451,000 | 420 |
| Average total loans | $1,626,675,000 | 383 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 1,414 |
| Cost of funding earning assets | 1.1072% | 221 |
| Net interest margin | 3.5504% | 3,341 |
| Noninterest income to average assets | 0.5332% | 2,616 |
| Noninterest expense to average assets | 2.0654% | 4,730 |
| Loan and lease loss provision to assets | 0.0940% | 1,941 |
| Net operating income to assets | 1.3265% | 1,556 |
| Return on assets (ROA) | 1.4366% | 1,245 |
| Pretax return on assets | 1.7924% | 924 |
| Return on Equity (ROE) | 14.1392% | 981 |
| Retained earnings to average equity (ytd only) | 11.3635% | 810 |
| Net charge-offs to loans | 0.1987% | 739 |
| Credit loss provision to net charge-offs | 61.9579% | 1,882 |
| Earnings coverage of net charge-offs (x) | 11.5254% | 1,843 |
| Efficiency ratio | 52.2479% | 4,943 |
| Assets per employee ($millions) | 6.6697% | 1,107 |
| Cash dividends to net income (ytd only)* | 19.6309% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 4,928 |
| Loan loss allowance to noncurrent loans | 79.3039% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 1.7343% | 725 |
| Noncurrent loans to loans | 0.9404% | 1,942 |
| Net loans and leases to total assets | 76.6748% | 1,430 |
| Net loans and leases to deposits | 98.4576% | 830 |
| Net loans and leases to core deposits | 118.2659% | 641 |
| Total domestic deposits to total assets | 77.8760% | 4,742 |
| Equity capital to assets | 10.2437% | 3,344 |
| Core capital (leverage) ratio | 9.4857% | 4,084 |
| Tier 1 risk-based capital ratio | 11.7323% | 4,726 |
| Total risk-based capital ratio | 12.4524% | 4,927 |
| Memoranda: | ||
| Average total assets | $2,127,482,000 | 400 |
| Average earning assets | $1,965,964,000 | 400 |
| Average equity | $216,165,000 | 425 |
| Average total loans | $1,624,968,500 | 387 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 1,258 |
| Cost of funding earning assets | 0.9764% | 245 |
| Net interest margin | 3.6941% | 2,818 |
| Noninterest income to average assets | 0.4995% | 3,003 |
| Noninterest expense to average assets | 2.7066% | 3,107 |
| Loan and lease loss provision to assets | 0.0636% | 2,955 |
| Net operating income to assets | 0.6343% | 3,874 |
| Return on assets (ROA) | 0.6338% | 3,909 |
| Pretax return on assets | 1.1287% | 3,069 |
| Return on Equity (ROE) | 6.4318% | 3,564 |
| Retained earnings to average equity (ytd only) | 3.4634% | 3,205 |
| Net charge-offs to loans | 0.0244% | 3,319 |
| Credit loss provision to net charge-offs | 348.1894% | 846 |
| Earnings coverage of net charge-offs (x) | 65.3231% | 896 |
| Efficiency ratio | 67.8294% | 2,924 |
| Assets per employee ($millions) | 6.6479% | 1,126 |
| Cash dividends to net income (ytd only)* | 46.1514% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 4,879 |
| Loan loss allowance to noncurrent loans | 82.0009% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.7296% | 728 |
| Noncurrent loans to loans | 0.9539% | 1,859 |
| Net loans and leases to total assets | 74.9181% | 1,768 |
| Net loans and leases to deposits | 99.4063% | 780 |
| Net loans and leases to core deposits | 116.7498% | 698 |
| Total domestic deposits to total assets | 75.3656% | 5,047 |
| Equity capital to assets | 10.0775% | 3,616 |
| Core capital (leverage) ratio | 9.3611% | 4,214 |
| Tier 1 risk-based capital ratio | 11.7152% | 4,709 |
| Total risk-based capital ratio | 12.4701% | 4,907 |
| Memoranda: | ||
| Average total assets | $1,965,770,800 | 414 |
| Average earning assets | $1,809,295,200 | 412 |
| Average equity | $193,709,200 | 452 |
| Average total loans | $1,470,861,400 | 396 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6638% | 1,219 |
| Cost of funding earning assets | 0.9567% | 241 |
| Net interest margin | 3.7071% | 2,734 |
| Noninterest income to average assets | 0.4903% | 3,084 |
| Noninterest expense to average assets | 2.9185% | 2,343 |
| Loan and lease loss provision to assets | 0.0606% | 2,871 |
| Net operating income to assets | 0.6845% | 4,052 |
| Return on assets (ROA) | 0.6875% | 4,107 |
| Pretax return on assets | 0.9236% | 3,957 |
| Return on Equity (ROE) | 7.0207% | 3,653 |
| Retained earnings to average equity (ytd only) | 3.4849% | 3,843 |
| Net charge-offs to loans | 0.0079% | 3,443 |
| Credit loss provision to net charge-offs | 1,029.4118% | 348 |
| Earnings coverage of net charge-offs (x) | 166.5301% | 504 |
| Efficiency ratio | 73.3930% | 1,991 |
| Assets per employee ($millions) | 6.5632% | 1,144 |
| Cash dividends to net income (ytd only)* | 50.3626% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 4,914 |
| Loan loss allowance to noncurrent loans | 77.5510% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 1.8481% | 731 |
| Noncurrent loans to loans | 1.0224% | 1,901 |
| Net loans and leases to total assets | 74.4888% | 1,838 |
| Net loans and leases to deposits | 96.3408% | 1,084 |
| Net loans and leases to core deposits | 113.1287% | 883 |
| Total domestic deposits to total assets | 77.3181% | 4,824 |
| Equity capital to assets | 10.1038% | 3,798 |
| Core capital (leverage) ratio | 9.4254% | 4,257 |
| Tier 1 risk-based capital ratio | 11.8359% | 4,742 |
| Total risk-based capital ratio | 12.5947% | 4,935 |
| Memoranda: | ||
| Average total assets | $1,925,385,000 | 424 |
| Average earning assets | $1,770,274,250 | 420 |
| Average equity | $188,541,500 | 461 |
| Average total loans | $1,436,999,750 | 405 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6468% | 1,162 |
| Cost of funding earning assets | 0.9413% | 238 |
| Net interest margin | 3.7055% | 2,638 |
| Noninterest income to average assets | 0.4463% | 3,379 |
| Noninterest expense to average assets | 3.2971% | 1,374 |
| Loan and lease loss provision to assets | 0.0535% | 2,906 |
| Net operating income to assets | 0.4023% | 4,978 |
| Return on assets (ROA) | 0.4051% | 4,997 |
| Pretax return on assets | 0.5027% | 5,001 |
| Return on Equity (ROE) | 4.1863% | 4,776 |
| Retained earnings to average equity (ytd only) | 0.3162% | 5,011 |
| Net charge-offs to loans | -0.0227% | 4,820 |
| Credit loss provision to net charge-offs | -316.4557% | 4,575 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4589% | 805 |
| Assets per employee ($millions) | 6.5254% | 1,139 |
| Cash dividends to net income (ytd only)* | 92.4459% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 4,964 |
| Loan loss allowance to noncurrent loans | 90.0080% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.7859% | 772 |
| Noncurrent loans to loans | 0.8831% | 2,212 |
| Net loans and leases to total assets | 73.7085% | 1,923 |
| Net loans and leases to deposits | 95.2612% | 1,145 |
| Net loans and leases to core deposits | 111.2427% | 939 |
| Total domestic deposits to total assets | 77.3751% | 4,909 |
| Equity capital to assets | 9.8723% | 4,059 |
| Core capital (leverage) ratio | 9.1504% | 4,556 |
| Tier 1 risk-based capital ratio | 11.6350% | 4,873 |
| Total risk-based capital ratio | 12.3925% | 5,064 |
| Memoranda: | ||
| Average total assets | $1,869,290,670 | 435 |
| Average earning assets | $1,716,968,330 | 434 |
| Average equity | $180,875,330 | 476 |
| Average total loans | $1,391,995,330 | 412 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3752% | 1,733 |
| Cost of funding earning assets | 0.9590% | 204 |
| Net interest margin | 3.4161% | 3,596 |
| Noninterest income to average assets | 0.3187% | 4,274 |
| Noninterest expense to average assets | 4.0799% | 493 |
| Loan and lease loss provision to assets | 0.0568% | 2,673 |
| Net operating income to assets | -0.3575% | 5,713 |
| Return on assets (ROA) | -0.3659% | 5,714 |
| Pretax return on assets | -0.6955% | 5,753 |
| Return on Equity (ROE) | -3.8279% | 5,723 |
| Retained earnings to average equity (ytd only) | -8.5830% | 5,548 |
| Net charge-offs to loans | 0.0628% | 1,703 |
| Credit loss provision to net charge-offs | 121.3592% | 1,391 |
| Earnings coverage of net charge-offs (x) | -13.3592% | 2,920 |
| Efficiency ratio | 117.7984% | 79 |
| Assets per employee ($millions) | 7.7920% | 674 |
| Cash dividends to net income (ytd only)* | -124.2236% | 5,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8981% | 4,759 |
| Loan loss allowance to noncurrent loans | 78.4232% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 2.1729% | 578 |
| Noncurrent loans to loans | 1.1452% | 1,781 |
| Net loans and leases to total assets | 73.1061% | 1,893 |
| Net loans and leases to deposits | 99.2180% | 666 |
| Net loans and leases to core deposits | 119.2893% | 480 |
| Total domestic deposits to total assets | 73.6823% | 5,439 |
| Equity capital to assets | 9.4303% | 4,360 |
| Core capital (leverage) ratio | 9.4172% | 4,212 |
| Tier 1 risk-based capital ratio | 11.5503% | 4,995 |
| Total risk-based capital ratio | 12.3880% | 5,133 |
| Memoranda: | ||
| Average total assets | $1,759,866,500 | 460 |
| Average earning assets | $1,615,396,000 | 454 |
| Average equity | $168,239,500 | 495 |
| Average total loans | $1,312,259,000 | 435 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3828% | 1,873 |
| Cost of funding earning assets | 0.9865% | 184 |
| Net interest margin | 3.3963% | 3,839 |
| Noninterest income to average assets | 0.4260% | 3,707 |
| Noninterest expense to average assets | 1.8967% | 5,368 |
| Loan and lease loss provision to assets | 0.0315% | 3,727 |
| Net operating income to assets | 1.1049% | 1,882 |
| Return on assets (ROA) | 1.1537% | 1,778 |
| Pretax return on assets | 1.6934% | 1,016 |
| Return on Equity (ROE) | 11.1405% | 1,527 |
| Retained earnings to average equity (ytd only) | 8.0601% | 840 |
| Net charge-offs to loans | 0.0251% | 3,542 |
| Credit loss provision to net charge-offs | 167.7852% | 1,648 |
| Earnings coverage of net charge-offs (x) | 88.1678% | 666 |
| Efficiency ratio | 53.3473% | 5,295 |
| Assets per employee ($millions) | 7.9589% | 621 |
| Cash dividends to net income (ytd only)* | 27.6505% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8846% | 4,844 |
| Loan loss allowance to noncurrent loans | 80.1016% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.2318% | 580 |
| Noncurrent loans to loans | 1.1043% | 1,877 |
| Net loans and leases to total assets | 74.7044% | 1,743 |
| Net loans and leases to deposits | 100.8278% | 617 |
| Net loans and leases to core deposits | 121.9240% | 434 |
| Total domestic deposits to total assets | 74.0911% | 5,437 |
| Equity capital to assets | 9.6906% | 4,083 |
| Core capital (leverage) ratio | 9.4566% | 4,143 |
| Tier 1 risk-based capital ratio | 11.8677% | 4,812 |
| Total risk-based capital ratio | 12.7036% | 4,986 |
| Memoranda: | ||
| Average total assets | $1,589,361,800 | 479 |
| Average earning assets | $1,461,871,400 | 476 |
| Average equity | $164,588,800 | 490 |
| Average total loans | $1,188,915,400 | 445 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 2,029 |
| Cost of funding earning assets | 0.9660% | 207 |
| Net interest margin | 3.3754% | 3,937 |
| Noninterest income to average assets | 0.4054% | 3,885 |
| Noninterest expense to average assets | 1.8952% | 5,384 |
| Loan and lease loss provision to assets | 0.0430% | 3,369 |
| Net operating income to assets | 1.0830% | 2,072 |
| Return on assets (ROA) | 1.1327% | 1,981 |
| Pretax return on assets | 1.6403% | 1,274 |
| Return on Equity (ROE) | 10.7429% | 1,769 |
| Retained earnings to average equity (ytd only) | 7.4202% | 1,430 |
| Net charge-offs to loans | 0.0407% | 2,822 |
| Credit loss provision to net charge-offs | 141.6431% | 1,849 |
| Earnings coverage of net charge-offs (x) | 53.0317% | 1,029 |
| Efficiency ratio | 54.0478% | 5,237 |
| Assets per employee ($millions) | 8.0895% | 570 |
| Cash dividends to net income (ytd only)* | 30.9294% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9323% | 4,740 |
| Loan loss allowance to noncurrent loans | 80.6819% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.3735% | 592 |
| Noncurrent loans to loans | 1.1556% | 1,940 |
| Net loans and leases to total assets | 74.8130% | 1,735 |
| Net loans and leases to deposits | 106.5850% | 357 |
| Net loans and leases to core deposits | 128.1976% | 327 |
| Total domestic deposits to total assets | 70.1909% | 5,684 |
| Equity capital to assets | 10.2000% | 3,916 |
| Core capital (leverage) ratio | 10.5226% | 2,972 |
| Tier 1 risk-based capital ratio | 12.5114% | 4,466 |
| Total risk-based capital ratio | 13.3854% | 4,620 |
| Memoranda: | ||
| Average total assets | $1,548,964,250 | 498 |
| Average earning assets | $1,423,124,750 | 486 |
| Average equity | $163,316,500 | 494 |
| Average total loans | $1,156,216,000 | 455 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 1,939 |
| Cost of funding earning assets | 0.9470% | 222 |
| Net interest margin | 3.4152% | 3,831 |
| Noninterest income to average assets | 0.3944% | 3,913 |
| Noninterest expense to average assets | 1.9318% | 5,403 |
| Loan and lease loss provision to assets | 0.0660% | 2,823 |
| Net operating income to assets | 1.0790% | 2,045 |
| Return on assets (ROA) | 1.1506% | 1,889 |
| Pretax return on assets | 1.6444% | 1,236 |
| Return on Equity (ROE) | 10.7852% | 1,725 |
| Retained earnings to average equity (ytd only) | 6.9868% | 1,610 |
| Net charge-offs to loans | 0.1057% | 1,768 |
| Credit loss provision to net charge-offs | 84.0336% | 2,321 |
| Earnings coverage of net charge-offs (x) | 20.4756% | 1,724 |
| Efficiency ratio | 54.5716% | 5,264 |
| Assets per employee ($millions) | 7.4965% | 701 |
| Cash dividends to net income (ytd only)* | 35.2185% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 4,695 |
| Loan loss allowance to noncurrent loans | 74.9325% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.4760% | 561 |
| Noncurrent loans to loans | 1.2885% | 1,759 |
| Net loans and leases to total assets | 74.8403% | 1,679 |
| Net loans and leases to deposits | 106.2147% | 359 |
| Net loans and leases to core deposits | 123.5296% | 422 |
| Total domestic deposits to total assets | 70.4613% | 5,759 |
| Equity capital to assets | 10.5916% | 3,535 |
| Core capital (leverage) ratio | 10.6444% | 2,799 |
| Tier 1 risk-based capital ratio | 12.9750% | 4,216 |
| Total risk-based capital ratio | 13.8823% | 4,329 |
| Memoranda: | ||
| Average total assets | $1,515,201,330 | 506 |
| Average earning assets | $1,395,509,670 | 499 |
| Average equity | $161,647,000 | 501 |
| Average total loans | $1,126,213,670 | 461 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 1,766 |
| Cost of funding earning assets | 0.9380% | 237 |
| Net interest margin | 3.4754% | 3,573 |
| Noninterest income to average assets | 0.3686% | 4,085 |
| Noninterest expense to average assets | 1.9521% | 5,426 |
| Loan and lease loss provision to assets | 0.0670% | 2,624 |
| Net operating income to assets | 1.0852% | 1,965 |
| Return on assets (ROA) | 1.1589% | 1,795 |
| Pretax return on assets | 1.6529% | 1,175 |
| Return on Equity (ROE) | 10.8222% | 1,671 |
| Retained earnings to average equity (ytd only) | 5.8189% | 2,460 |
| Net charge-offs to loans | 0.1483% | 1,224 |
| Credit loss provision to net charge-offs | 61.2745% | 1,972 |
| Earnings coverage of net charge-offs (x) | 14.7721% | 1,686 |
| Efficiency ratio | 54.7319% | 5,309 |
| Assets per employee ($millions) | 7.4683% | 717 |
| Cash dividends to net income (ytd only)* | 46.2321% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 4,491 |
| Loan loss allowance to noncurrent loans | 73.5009% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.6698% | 530 |
| Noncurrent loans to loans | 1.3884% | 1,719 |
| Net loans and leases to total assets | 73.1047% | 1,867 |
| Net loans and leases to deposits | 100.0474% | 620 |
| Net loans and leases to core deposits | 116.4015% | 576 |
| Total domestic deposits to total assets | 73.0701% | 5,698 |
| Equity capital to assets | 10.7030% | 3,255 |
| Core capital (leverage) ratio | 10.7173% | 2,705 |
| Tier 1 risk-based capital ratio | 13.5653% | 3,939 |
| Total risk-based capital ratio | 14.5219% | 4,037 |
| Memoranda: | ||
| Average total assets | $1,493,163,000 | 511 |
| Average earning assets | $1,374,000,500 | 504 |
| Average equity | $159,894,000 | 502 |
| Average total loans | $1,100,148,000 | 464 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 1,926 |
| Cost of funding earning assets | 0.9044% | 282 |
| Net interest margin | 3.4875% | 3,565 |
| Noninterest income to average assets | 0.2795% | 4,883 |
| Noninterest expense to average assets | 1.7877% | 5,755 |
| Loan and lease loss provision to assets | 0.0855% | 2,583 |
| Net operating income to assets | 1.1177% | 1,844 |
| Return on assets (ROA) | 1.1868% | 1,675 |
| Pretax return on assets | 1.7028% | 990 |
| Return on Equity (ROE) | 11.1146% | 1,577 |
| Retained earnings to average equity (ytd only) | 4.7081% | 2,640 |
| Net charge-offs to loans | 0.0888% | 2,551 |
| Credit loss provision to net charge-offs | 132.2751% | 1,979 |
| Earnings coverage of net charge-offs (x) | 26.1344% | 1,602 |
| Efficiency ratio | 51.4116% | 5,672 |
| Assets per employee ($millions) | 7.3524% | 765 |
| Cash dividends to net income (ytd only)* | 57.6402% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 4,308 |
| Loan loss allowance to noncurrent loans | 72.8057% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.7824% | 511 |
| Noncurrent loans to loans | 1.4435% | 1,618 |
| Net loans and leases to total assets | 72.7253% | 1,935 |
| Net loans and leases to deposits | 101.0332% | 606 |
| Net loans and leases to core deposits | 116.4449% | 590 |
| Total domestic deposits to total assets | 71.9815% | 5,801 |
| Equity capital to assets | 10.7138% | 3,116 |
| Core capital (leverage) ratio | 10.7518% | 2,658 |
| Tier 1 risk-based capital ratio | 13.5492% | 3,980 |
| Total risk-based capital ratio | 14.5324% | 4,064 |
| Memoranda: | ||
| Average total assets | $1,461,781,400 | 488 |
| Average earning assets | $1,340,294,200 | 483 |
| Average equity | $156,091,400 | 490 |
| Average total loans | $1,064,620,600 | 453 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3903% | 1,953 |
| Cost of funding earning assets | 0.9056% | 279 |
| Net interest margin | 3.4847% | 3,602 |
| Noninterest income to average assets | 0.2534% | 5,126 |
| Noninterest expense to average assets | 1.7627% | 5,833 |
| Loan and lease loss provision to assets | 0.0916% | 2,338 |
| Net operating income to assets | 1.1087% | 1,968 |
| Return on assets (ROA) | 1.1743% | 1,809 |
| Pretax return on assets | 1.6850% | 1,146 |
| Return on Equity (ROE) | 11.0065% | 1,710 |
| Retained earnings to average equity (ytd only) | 4.1398% | 3,522 |
| Net charge-offs to loans | 0.1183% | 1,934 |
| Credit loss provision to net charge-offs | 106.4963% | 2,161 |
| Earnings coverage of net charge-offs (x) | 19.5708% | 1,928 |
| Efficiency ratio | 51.1575% | 5,712 |
| Assets per employee ($millions) | 7.4208% | 713 |
| Cash dividends to net income (ytd only)* | 62.3879% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 4,496 |
| Loan loss allowance to noncurrent loans | 72.7061% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 3.0889% | 476 |
| Noncurrent loans to loans | 1.4384% | 1,752 |
| Net loans and leases to total assets | 72.6752% | 1,960 |
| Net loans and leases to deposits | 98.9453% | 733 |
| Net loans and leases to core deposits | 114.0570% | 666 |
| Total domestic deposits to total assets | 73.4498% | 5,756 |
| Equity capital to assets | 10.7113% | 3,346 |
| Core capital (leverage) ratio | 10.6581% | 2,868 |
| Tier 1 risk-based capital ratio | 13.6001% | 4,083 |
| Total risk-based capital ratio | 14.5819% | 4,154 |
| Memoranda: | ||
| Average total assets | $1,455,928,750 | 492 |
| Average earning assets | $1,333,718,000 | 486 |
| Average equity | $155,334,000 | 498 |
| Average total loans | $1,057,880,250 | 457 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 1,798 |
| Cost of funding earning assets | 0.9014% | 287 |
| Net interest margin | 3.5158% | 3,434 |
| Noninterest income to average assets | 0.3003% | 4,808 |
| Noninterest expense to average assets | 1.7460% | 5,926 |
| Loan and lease loss provision to assets | 0.1032% | 2,110 |
| Net operating income to assets | 1.1550% | 1,761 |
| Return on assets (ROA) | 1.2167% | 1,631 |
| Pretax return on assets | 1.7585% | 959 |
| Return on Equity (ROE) | 11.4191% | 1,551 |
| Retained earnings to average equity (ytd only) | 4.3185% | 3,277 |
| Net charge-offs to loans | 0.1226% | 1,784 |
| Credit loss provision to net charge-offs | 116.2791% | 1,853 |
| Earnings coverage of net charge-offs (x) | 19.9752% | 1,729 |
| Efficiency ratio | 49.6266% | 5,868 |
| Assets per employee ($millions) | 7.3997% | 697 |
| Cash dividends to net income (ytd only)* | 62.1820% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0478% | 4,618 |
| Loan loss allowance to noncurrent loans | 83.0472% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 3.0609% | 534 |
| Noncurrent loans to loans | 1.2617% | 2,139 |
| Net loans and leases to total assets | 72.2879% | 1,934 |
| Net loans and leases to deposits | 100.5652% | 615 |
| Net loans and leases to core deposits | 116.9094% | 566 |
| Total domestic deposits to total assets | 71.8816% | 5,942 |
| Equity capital to assets | 10.5742% | 3,367 |
| Core capital (leverage) ratio | 10.5564% | 2,887 |
| Tier 1 risk-based capital ratio | 13.3750% | 4,292 |
| Total risk-based capital ratio | 14.3538% | 4,373 |
| Memoranda: | ||
| Average total assets | $1,453,941,670 | 495 |
| Average earning assets | $1,330,808,330 | 487 |
| Average equity | $154,916,330 | 500 |
| Average total loans | $1,052,620,670 | 461 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 1,578 |
| Cost of funding earning assets | 0.9047% | 280 |
| Net interest margin | 3.5581% | 3,189 |
| Noninterest income to average assets | 0.2270% | 5,330 |
| Noninterest expense to average assets | 1.7258% | 5,985 |
| Loan and lease loss provision to assets | 0.0692% | 2,560 |
| Net operating income to assets | 1.1634% | 1,657 |
| Return on assets (ROA) | 1.2551% | 1,476 |
| Pretax return on assets | 1.8186% | 840 |
| Return on Equity (ROE) | 11.7344% | 1,418 |
| Retained earnings to average equity (ytd only) | 2.6741% | 4,347 |
| Net charge-offs to loans | 0.2267% | 1,036 |
| Credit loss provision to net charge-offs | 42.3729% | 2,170 |
| Earnings coverage of net charge-offs (x) | 10.7424% | 1,910 |
| Efficiency ratio | 49.5824% | 5,939 |
| Assets per employee ($millions) | 7.5683% | 658 |
| Cash dividends to net income (ytd only)* | 77.2116% | 1,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0306% | 4,864 |
| Loan loss allowance to noncurrent loans | 90.1949% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 3.1912% | 557 |
| Noncurrent loans to loans | 1.1426% | 2,488 |
| Net loans and leases to total assets | 71.5534% | 1,886 |
| Net loans and leases to deposits | 97.8169% | 688 |
| Net loans and leases to core deposits | 114.2893% | 571 |
| Total domestic deposits to total assets | 73.1504% | 5,968 |
| Equity capital to assets | 10.6544% | 3,367 |
| Core capital (leverage) ratio | 10.4872% | 2,978 |
| Tier 1 risk-based capital ratio | 13.5230% | 4,313 |
| Total risk-based capital ratio | 14.4882% | 4,389 |
| Memoranda: | ||
| Average total assets | $1,444,639,500 | 493 |
| Average earning assets | $1,321,057,000 | 494 |
| Average equity | $154,519,500 | 502 |
| Average total loans | $1,041,059,000 | 467 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5151% | 1,801 |
| Cost of funding earning assets | 1.0500% | 184 |
| Net interest margin | 3.4651% | 3,920 |
| Noninterest income to average assets | 0.1445% | 5,971 |
| Noninterest expense to average assets | 1.8663% | 5,981 |
| Loan and lease loss provision to assets | 0.1593% | 1,647 |
| Net operating income to assets | 0.8842% | 2,951 |
| Return on assets (ROA) | 0.8928% | 2,996 |
| Pretax return on assets | 1.2602% | 2,392 |
| Return on Equity (ROE) | 8.3397% | 2,942 |
| Retained earnings to average equity (ytd only) | 4.3725% | 3,067 |
| Net charge-offs to loans | 0.3769% | 1,143 |
| Credit loss provision to net charge-offs | 60.1283% | 3,283 |
| Earnings coverage of net charge-offs (x) | 5.3135% | 3,455 |
| Efficiency ratio | 56.9016% | 5,579 |
| Assets per employee ($millions) | 7.5192% | 657 |
| Cash dividends to net income (ytd only)* | 47.5700% | 2,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 4,629 |
| Loan loss allowance to noncurrent loans | 89.5007% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 3.4819% | 534 |
| Noncurrent loans to loans | 1.2096% | 2,429 |
| Net loans and leases to total assets | 71.0483% | 2,067 |
| Net loans and leases to deposits | 94.9534% | 1,000 |
| Net loans and leases to core deposits | 111.5923% | 705 |
| Total domestic deposits to total assets | 74.8244% | 5,873 |
| Equity capital to assets | 10.7382% | 3,191 |
| Core capital (leverage) ratio | 10.5560% | 2,889 |
| Tier 1 risk-based capital ratio | 14.1992% | 3,966 |
| Total risk-based capital ratio | 15.2518% | 4,023 |
| Memoranda: | ||
| Average total assets | $1,412,793,000 | 496 |
| Average earning assets | $1,275,825,200 | 490 |
| Average equity | $151,239,600 | 501 |
| Average total loans | $992,862,400 | 462 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 1,727 |
| Cost of funding earning assets | 1.0888% | 155 |
| Net interest margin | 3.4534% | 4,007 |
| Noninterest income to average assets | 0.1197% | 6,162 |
| Noninterest expense to average assets | 1.8293% | 6,052 |
| Loan and lease loss provision to assets | 0.2132% | 1,079 |
| Net operating income to assets | 0.8548% | 3,148 |
| Return on assets (ROA) | 0.8563% | 3,237 |
| Pretax return on assets | 1.1886% | 2,826 |
| Return on Equity (ROE) | 8.0054% | 3,201 |
| Retained earnings to average equity (ytd only) | 5.3476% | 2,851 |
| Net charge-offs to loans | 0.5245% | 728 |
| Credit loss provision to net charge-offs | 58.1696% | 2,970 |
| Earnings coverage of net charge-offs (x) | 3.8188% | 3,586 |
| Efficiency ratio | 56.5048% | 5,614 |
| Assets per employee ($millions) | 7.6009% | 612 |
| Cash dividends to net income (ytd only)* | 33.2005% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 4,753 |
| Loan loss allowance to noncurrent loans | 98.3959% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 4.1138% | 462 |
| Noncurrent loans to loans | 1.1168% | 2,829 |
| Net loans and leases to total assets | 69.9087% | 2,207 |
| Net loans and leases to deposits | 93.8775% | 1,055 |
| Net loans and leases to core deposits | 110.7241% | 715 |
| Total domestic deposits to total assets | 74.4681% | 5,972 |
| Equity capital to assets | 10.8517% | 3,125 |
| Core capital (leverage) ratio | 10.5352% | 3,008 |
| Tier 1 risk-based capital ratio | 14.3933% | 3,947 |
| Total risk-based capital ratio | 15.4522% | 4,013 |
| Memoranda: | ||
| Average total assets | $1,406,950,500 | 497 |
| Average earning assets | $1,266,810,250 | 494 |
| Average equity | $150,495,000 | 501 |
| Average total loans | $983,193,750 | 458 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5057% | 1,809 |
| Cost of funding earning assets | 1.1250% | 129 |
| Net interest margin | 3.3808% | 4,257 |
| Noninterest income to average assets | 0.1710% | 5,927 |
| Noninterest expense to average assets | 1.8315% | 6,101 |
| Loan and lease loss provision to assets | 0.2853% | 705 |
| Net operating income to assets | 0.7793% | 3,427 |
| Return on assets (ROA) | 0.7727% | 3,559 |
| Pretax return on assets | 1.0846% | 3,161 |
| Return on Equity (ROE) | 7.2592% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.2592% | 1,638 |
| Net charge-offs to loans | 0.7485% | 510 |
| Credit loss provision to net charge-offs | 54.7495% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.6469% | 3,503 |
| Efficiency ratio | 56.8217% | 5,673 |
| Assets per employee ($millions) | 7.3660% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0960% | 4,929 |
| Loan loss allowance to noncurrent loans | 77.4689% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 4.4080% | 446 |
| Noncurrent loans to loans | 1.4147% | 2,435 |
| Net loans and leases to total assets | 69.5048% | 2,153 |
| Net loans and leases to deposits | 93.4758% | 1,011 |
| Net loans and leases to core deposits | 111.7258% | 613 |
| Total domestic deposits to total assets | 74.3560% | 6,081 |
| Equity capital to assets | 10.6957% | 3,204 |
| Core capital (leverage) ratio | 10.5905% | 2,834 |
| Tier 1 risk-based capital ratio | 14.4817% | 3,940 |
| Total risk-based capital ratio | 15.5482% | 4,001 |
| Memoranda: | ||
| Average total assets | $1,402,142,000 | 490 |
| Average earning assets | $1,260,659,330 | 497 |
| Average equity | $149,245,330 | 500 |
| Average total loans | $976,022,670 | 456 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5159% | 1,760 |
| Cost of funding earning assets | 1.1397% | 132 |
| Net interest margin | 3.3762% | 4,236 |
| Noninterest income to average assets | 0.1553% | 6,038 |
| Noninterest expense to average assets | 1.8489% | 6,146 |
| Loan and lease loss provision to assets | 0.2880% | 689 |
| Net operating income to assets | 0.7619% | 3,348 |
| Return on assets (ROA) | 0.7572% | 3,456 |
| Pretax return on assets | 1.0401% | 3,166 |
| Return on Equity (ROE) | 7.1321% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.1321% | 1,966 |
| Net charge-offs to loans | 1.0770% | 307 |
| Credit loss provision to net charge-offs | 38.6100% | 2,309 |
| Earnings coverage of net charge-offs (x) | 1.7888% | 3,019 |
| Efficiency ratio | 57.7362% | 5,676 |
| Assets per employee ($millions) | 7.1715% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 4,945 |
| Loan loss allowance to noncurrent loans | 65.4777% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 4.9445% | 416 |
| Noncurrent loans to loans | 1.7360% | 2,233 |
| Net loans and leases to total assets | 68.8414% | 2,079 |
| Net loans and leases to deposits | 91.0253% | 1,036 |
| Net loans and leases to core deposits | 108.9616% | 630 |
| Total domestic deposits to total assets | 75.6288% | 6,106 |
| Equity capital to assets | 10.6821% | 3,061 |
| Core capital (leverage) ratio | 10.5917% | 2,820 |
| Tier 1 risk-based capital ratio | 14.4891% | 4,016 |
| Total risk-based capital ratio | 15.5827% | 4,062 |
| Memoranda: | ||
| Average total assets | $1,388,709,500 | 495 |
| Average earning assets | $1,245,558,000 | 503 |
| Average equity | $147,447,000 | 504 |
| Average total loans | $961,916,500 | 461 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 1,740 |
| Cost of funding earning assets | 1.3400% | 91 |
| Net interest margin | 3.3017% | 4,658 |
| Noninterest income to average assets | 0.1673% | 6,081 |
| Noninterest expense to average assets | 1.8550% | 6,251 |
| Loan and lease loss provision to assets | 0.3266% | 995 |
| Net operating income to assets | 0.6908% | 3,836 |
| Return on assets (ROA) | 0.6972% | 3,903 |
| Pretax return on assets | 0.9506% | 3,557 |
| Return on Equity (ROE) | 6.6788% | 3,732 |
| Retained earnings to average equity (ytd only) | 5.2883% | 2,424 |
| Net charge-offs to loans | 1.0262% | 556 |
| Credit loss provision to net charge-offs | 46.0405% | 3,914 |
| Earnings coverage of net charge-offs (x) | 1.7878% | 4,447 |
| Efficiency ratio | 59.0412% | 5,601 |
| Assets per employee ($millions) | 7.0355% | 748 |
| Cash dividends to net income (ytd only)* | 20.8203% | 3,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 3,967 |
| Loan loss allowance to noncurrent loans | 66.8409% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 5.2453% | 435 |
| Noncurrent loans to loans | 1.9935% | 1,996 |
| Net loans and leases to total assets | 67.9778% | 2,363 |
| Net loans and leases to deposits | 92.8881% | 969 |
| Net loans and leases to core deposits | 112.6620% | 508 |
| Total domestic deposits to total assets | 73.1825% | 6,340 |
| Equity capital to assets | 10.5521% | 3,090 |
| Core capital (leverage) ratio | 10.4434% | 2,971 |
| Tier 1 risk-based capital ratio | 14.4663% | 3,976 |
| Total risk-based capital ratio | 15.7206% | 3,911 |
| Memoranda: | ||
| Average total assets | $1,377,717,000 | 487 |
| Average earning assets | $1,233,478,000 | 488 |
| Average equity | $143,827,600 | 507 |
| Average total loans | $952,455,400 | 448 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 1,779 |
| Cost of funding earning assets | 1.3688% | 84 |
| Net interest margin | 3.2683% | 4,757 |
| Noninterest income to average assets | 0.1195% | 6,417 |
| Noninterest expense to average assets | 1.8487% | 6,260 |
| Loan and lease loss provision to assets | 0.3388% | 962 |
| Net operating income to assets | 0.6135% | 4,288 |
| Return on assets (ROA) | 0.6134% | 4,419 |
| Pretax return on assets | 0.8587% | 4,057 |
| Return on Equity (ROE) | 5.8917% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.9620% | 3,112 |
| Net charge-offs to loans | 1.1743% | 466 |
| Credit loss provision to net charge-offs | 41.6964% | 3,673 |
| Earnings coverage of net charge-offs (x) | 1.4740% | 4,346 |
| Efficiency ratio | 60.3266% | 5,386 |
| Assets per employee ($millions) | 7.0129% | 744 |
| Cash dividends to net income (ytd only)* | 15.7803% | 3,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 4,032 |
| Loan loss allowance to noncurrent loans | 41.0651% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 5.5774% | 461 |
| Noncurrent loans to loans | 3.3325% | 1,169 |
| Net loans and leases to total assets | 68.0231% | 2,290 |
| Net loans and leases to deposits | 91.9203% | 986 |
| Net loans and leases to core deposits | 113.4692% | 466 |
| Total domestic deposits to total assets | 74.0023% | 6,367 |
| Equity capital to assets | 10.3941% | 3,396 |
| Core capital (leverage) ratio | 10.4340% | 3,084 |
| Tier 1 risk-based capital ratio | 14.2579% | 4,248 |
| Total risk-based capital ratio | 15.5131% | 4,188 |
| Memoranda: | ||
| Average total assets | $1,377,404,500 | 493 |
| Average earning assets | $1,233,525,500 | 488 |
| Average equity | $143,407,000 | 515 |
| Average total loans | $953,056,750 | 444 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6909% | 1,593 |
| Cost of funding earning assets | 1.4060% | 79 |
| Net interest margin | 3.2849% | 4,639 |
| Noninterest income to average assets | 0.0302% | 6,728 |
| Noninterest expense to average assets | 1.8424% | 6,305 |
| Loan and lease loss provision to assets | 0.3634% | 908 |
| Net operating income to assets | 0.5480% | 4,562 |
| Return on assets (ROA) | 0.5379% | 4,791 |
| Pretax return on assets | 0.7482% | 4,510 |
| Return on Equity (ROE) | 5.1638% | 4,637 |
| Retained earnings to average equity (ytd only) | 5.1638% | 2,950 |
| Net charge-offs to loans | 1.3243% | 431 |
| Credit loss provision to net charge-offs | 39.6134% | 3,426 |
| Earnings coverage of net charge-offs (x) | 1.2271% | 4,134 |
| Efficiency ratio | 61.7042% | 5,214 |
| Assets per employee ($millions) | 6.6851% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 3,588 |
| Loan loss allowance to noncurrent loans | 45.7556% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 5.7284% | 491 |
| Noncurrent loans to loans | 3.2793% | 1,336 |
| Net loans and leases to total assets | 67.9779% | 2,236 |
| Net loans and leases to deposits | 88.8480% | 1,248 |
| Net loans and leases to core deposits | 110.9946% | 525 |
| Total domestic deposits to total assets | 76.5103% | 6,194 |
| Equity capital to assets | 10.4466% | 3,375 |
| Core capital (leverage) ratio | 10.1572% | 3,284 |
| Tier 1 risk-based capital ratio | 14.3078% | 4,220 |
| Total risk-based capital ratio | 15.5663% | 4,167 |
| Memoranda: | ||
| Average total assets | $1,376,024,000 | 493 |
| Average earning assets | $1,230,584,000 | 491 |
| Average equity | $143,343,000 | 518 |
| Average total loans | $953,139,000 | 443 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7240% | 1,468 |
| Cost of funding earning assets | 1.4064% | 87 |
| Net interest margin | 3.3176% | 4,455 |
| Noninterest income to average assets | 0.1702% | 6,240 |
| Noninterest expense to average assets | 1.8232% | 6,408 |
| Loan and lease loss provision to assets | 0.4341% | 680 |
| Net operating income to assets | 0.6326% | 4,066 |
| Return on assets (ROA) | 0.6300% | 4,232 |
| Pretax return on assets | 0.8688% | 3,877 |
| Return on Equity (ROE) | 6.0564% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.0564% | 2,651 |
| Net charge-offs to loans | 1.0063% | 602 |
| Credit loss provision to net charge-offs | 62.1633% | 2,413 |
| Earnings coverage of net charge-offs (x) | 1.8707% | 3,215 |
| Efficiency ratio | 57.9064% | 5,863 |
| Assets per employee ($millions) | 6.9177% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 2,748 |
| Loan loss allowance to noncurrent loans | 46.9116% | 5,299 |
| Noncurrent assets plus other real estate owned to assets | 6.5706% | 454 |
| Noncurrent loans to loans | 3.7679% | 1,229 |
| Net loans and leases to total assets | 68.3677% | 1,946 |
| Net loans and leases to deposits | 88.2582% | 1,121 |
| Net loans and leases to core deposits | 112.3829% | 429 |
| Total domestic deposits to total assets | 77.4633% | 6,195 |
| Equity capital to assets | 10.4637% | 3,581 |
| Core capital (leverage) ratio | 9.9957% | 3,388 |
| Tier 1 risk-based capital ratio | 13.9072% | 4,573 |
| Total risk-based capital ratio | 15.1698% | 4,521 |
| Memoranda: | ||
| Average total assets | $1,382,153,000 | 491 |
| Average earning assets | $1,232,934,000 | 491 |
| Average equity | $143,781,000 | 523 |
| Average total loans | $959,118,000 | 443 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 1,350 |
| Cost of funding earning assets | 1.7701% | 59 |
| Net interest margin | 3.3105% | 5,209 |
| Noninterest income to average assets | -0.0388% | 6,876 |
| Noninterest expense to average assets | 1.8103% | 6,611 |
| Loan and lease loss provision to assets | 0.6016% | 916 |
| Net operating income to assets | 0.3899% | 5,138 |
| Return on assets (ROA) | 0.4970% | 4,952 |
| Pretax return on assets | 0.6292% | 4,898 |
| Return on Equity (ROE) | 5.0566% | 4,654 |
| Retained earnings to average equity (ytd only) | 5.0566% | 2,667 |
| Net charge-offs to loans | 0.8550% | 1,339 |
| Credit loss provision to net charge-offs | 102.6694% | 2,928 |
| Earnings coverage of net charge-offs (x) | 1.8691% | 4,495 |
| Efficiency ratio | 61.9385% | 5,247 |
| Assets per employee ($millions) | 6.9736% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8772% | 2,361 |
| Loan loss allowance to noncurrent loans | 47.5034% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 6.8022% | 461 |
| Noncurrent loans to loans | 3.9516% | 1,199 |
| Net loans and leases to total assets | 67.8890% | 2,197 |
| Net loans and leases to deposits | 90.7634% | 1,000 |
| Net loans and leases to core deposits | 113.5631% | 426 |
| Total domestic deposits to total assets | 74.7977% | 6,464 |
| Equity capital to assets | 10.3415% | 3,707 |
| Core capital (leverage) ratio | 9.8041% | 3,651 |
| Tier 1 risk-based capital ratio | 13.7116% | 4,595 |
| Total risk-based capital ratio | 14.9770% | 4,535 |
| Memoranda: | ||
| Average total assets | $1,412,917,800 | 478 |
| Average earning assets | $1,256,624,400 | 481 |
| Average equity | $138,867,400 | 525 |
| Average total loans | $968,354,800 | 432 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 1,350 |
| Cost of funding earning assets | 1.8327% | 51 |
| Net interest margin | 3.2993% | 5,400 |
| Noninterest income to average assets | -0.1388% | 7,047 |
| Noninterest expense to average assets | 1.8120% | 6,668 |
| Loan and lease loss provision to assets | 0.5632% | 1,018 |
| Net operating income to assets | 0.3029% | 5,609 |
| Return on assets (ROA) | 0.4305% | 5,353 |
| Pretax return on assets | 0.5968% | 5,177 |
| Return on Equity (ROE) | 4.4364% | 5,076 |
| Retained earnings to average equity (ytd only) | 4.4364% | 3,772 |
| Net charge-offs to loans | 0.8088% | 1,351 |
| Credit loss provision to net charge-offs | 101.8324% | 2,892 |
| Earnings coverage of net charge-offs (x) | 1.7771% | 4,380 |
| Efficiency ratio | 64.4553% | 4,727 |
| Assets per employee ($millions) | 7.0193% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 2,618 |
| Loan loss allowance to noncurrent loans | 40.7175% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 7.1446% | 498 |
| Noncurrent loans to loans | 4.5638% | 1,028 |
| Net loans and leases to total assets | 67.3769% | 2,387 |
| Net loans and leases to deposits | 91.0679% | 1,046 |
| Net loans and leases to core deposits | 116.2656% | 382 |
| Total domestic deposits to total assets | 73.9854% | 6,604 |
| Equity capital to assets | 10.0973% | 4,357 |
| Core capital (leverage) ratio | 9.5033% | 4,262 |
| Tier 1 risk-based capital ratio | 13.3470% | 4,990 |
| Total risk-based capital ratio | 14.6133% | 4,937 |
| Memoranda: | ||
| Average total assets | $1,420,953,500 | 470 |
| Average earning assets | $1,263,410,750 | 479 |
| Average equity | $137,886,000 | 526 |
| Average total loans | $971,611,750 | 430 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2080% | 1,225 |
| Cost of funding earning assets | 1.9174% | 48 |
| Net interest margin | 3.2906% | 5,470 |
| Noninterest income to average assets | -0.0719% | 7,071 |
| Noninterest expense to average assets | 1.8143% | 6,735 |
| Loan and lease loss provision to assets | 0.5601% | 1,093 |
| Net operating income to assets | 0.3360% | 5,477 |
| Return on assets (ROA) | 0.4521% | 5,267 |
| Pretax return on assets | 0.6399% | 4,996 |
| Return on Equity (ROE) | 4.7211% | 4,948 |
| Retained earnings to average equity (ytd only) | 4.7211% | 3,464 |
| Net charge-offs to loans | 0.7837% | 1,405 |
| Credit loss provision to net charge-offs | 104.6548% | 2,599 |
| Earnings coverage of net charge-offs (x) | 1.9367% | 4,012 |
| Efficiency ratio | 63.2677% | 5,036 |
| Assets per employee ($millions) | 7.1903% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8504% | 2,701 |
| Loan loss allowance to noncurrent loans | 38.8803% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 7.5272% | 481 |
| Noncurrent loans to loans | 4.7593% | 1,068 |
| Net loans and leases to total assets | 67.3322% | 2,401 |
| Net loans and leases to deposits | 94.1375% | 758 |
| Net loans and leases to core deposits | 117.2040% | 362 |
| Total domestic deposits to total assets | 71.5254% | 6,828 |
| Equity capital to assets | 9.8485% | 4,549 |
| Core capital (leverage) ratio | 9.3160% | 4,430 |
| Tier 1 risk-based capital ratio | 13.0525% | 5,150 |
| Total risk-based capital ratio | 14.3201% | 5,117 |
| Memoranda: | ||
| Average total assets | $1,428,992,330 | 470 |
| Average earning assets | $1,269,241,670 | 482 |
| Average equity | $136,833,670 | 526 |
| Average total loans | $975,827,000 | 431 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 1,204 |
| Cost of funding earning assets | 1.9766% | 52 |
| Net interest margin | 3.2757% | 5,555 |
| Noninterest income to average assets | -0.0878% | 7,162 |
| Noninterest expense to average assets | 1.7939% | 6,800 |
| Loan and lease loss provision to assets | 0.5563% | 1,045 |
| Net operating income to assets | 0.3604% | 5,427 |
| Return on assets (ROA) | 0.5580% | 4,769 |
| Pretax return on assets | 0.7317% | 4,683 |
| Return on Equity (ROE) | 5.9093% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.9093% | 3,017 |
| Net charge-offs to loans | 0.4860% | 1,874 |
| Credit loss provision to net charge-offs | 168.0101% | 1,518 |
| Earnings coverage of net charge-offs (x) | 3.1050% | 2,961 |
| Efficiency ratio | 63.1957% | 5,072 |
| Assets per employee ($millions) | 7.2481% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,689 |
| Loan loss allowance to noncurrent loans | 39.6226% | 5,641 |
| Noncurrent assets plus other real estate owned to assets | 7.5485% | 534 |
| Noncurrent loans to loans | 4.7825% | 1,190 |
| Net loans and leases to total assets | 66.8182% | 2,328 |
| Net loans and leases to deposits | 94.2601% | 642 |
| Net loans and leases to core deposits | 117.5600% | 351 |
| Total domestic deposits to total assets | 70.8871% | 6,937 |
| Equity capital to assets | 9.5457% | 4,730 |
| Core capital (leverage) ratio | 9.1498% | 4,604 |
| Tier 1 risk-based capital ratio | 12.7019% | 5,441 |
| Total risk-based capital ratio | 13.9714% | 5,386 |
| Memoranda: | ||
| Average total assets | $1,438,836,500 | 464 |
| Average earning assets | $1,278,156,500 | 473 |
| Average equity | $135,853,000 | 525 |
| Average total loans | $980,337,500 | 427 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4641% | 1,255 |
| Cost of funding earning assets | 2.2594% | 47 |
| Net interest margin | 3.2047% | 6,079 |
| Noninterest income to average assets | 0.0290% | 6,906 |
| Noninterest expense to average assets | 1.8010% | 6,951 |
| Loan and lease loss provision to assets | 0.6845% | 1,496 |
| Net operating income to assets | 0.3095% | 5,218 |
| Return on assets (ROA) | 0.3228% | 5,330 |
| Pretax return on assets | 0.4120% | 5,255 |
| Return on Equity (ROE) | 3.6348% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.6348% | 3,620 |
| Net charge-offs to loans | 0.9579% | 1,802 |
| Credit loss provision to net charge-offs | 105.1304% | 3,258 |
| Earnings coverage of net charge-offs (x) | 1.6580% | 4,525 |
| Efficiency ratio | 62.1634% | 5,435 |
| Assets per employee ($millions) | 7.4744% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 2,866 |
| Loan loss allowance to noncurrent loans | 33.7919% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 8.0658% | 501 |
| Noncurrent loans to loans | 5.3309% | 1,014 |
| Net loans and leases to total assets | 66.9313% | 2,601 |
| Net loans and leases to deposits | 94.1734% | 804 |
| Net loans and leases to core deposits | 118.4736% | 389 |
| Total domestic deposits to total assets | 71.0723% | 6,931 |
| Equity capital to assets | 9.3385% | 5,102 |
| Core capital (leverage) ratio | 8.9014% | 4,938 |
| Tier 1 risk-based capital ratio | 12.3495% | 5,582 |
| Total risk-based capital ratio | 13.6194% | 5,533 |
| Memoranda: | ||
| Average total assets | $1,460,826,800 | 457 |
| Average earning assets | $1,299,905,400 | 461 |
| Average equity | $129,718,600 | 536 |
| Average total loans | $992,989,400 | 422 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5124% | 1,219 |
| Cost of funding earning assets | 2.2894% | 49 |
| Net interest margin | 3.2230% | 6,101 |
| Noninterest income to average assets | -0.0486% | 7,161 |
| Noninterest expense to average assets | 1.7703% | 7,029 |
| Loan and lease loss provision to assets | 0.7280% | 1,319 |
| Net operating income to assets | 0.2574% | 5,545 |
| Return on assets (ROA) | 0.2652% | 5,679 |
| Pretax return on assets | 0.3326% | 5,640 |
| Return on Equity (ROE) | 3.0253% | 5,407 |
| Retained earnings to average equity (ytd only) | 3.0253% | 4,530 |
| Net charge-offs to loans | 0.9746% | 1,650 |
| Credit loss provision to net charge-offs | 109.9643% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.5874% | 4,452 |
| Efficiency ratio | 62.3859% | 5,353 |
| Assets per employee ($millions) | 7.2847% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8267% | 2,846 |
| Loan loss allowance to noncurrent loans | 49.5077% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 6.8356% | 739 |
| Noncurrent loans to loans | 3.6897% | 1,850 |
| Net loans and leases to total assets | 66.2103% | 2,852 |
| Net loans and leases to deposits | 91.4881% | 1,054 |
| Net loans and leases to core deposits | 119.4008% | 404 |
| Total domestic deposits to total assets | 72.3704% | 6,908 |
| Equity capital to assets | 9.1181% | 5,617 |
| Core capital (leverage) ratio | 8.6823% | 5,436 |
| Tier 1 risk-based capital ratio | 12.0833% | 5,837 |
| Total risk-based capital ratio | 13.3554% | 5,807 |
| Memoranda: | ||
| Average total assets | $1,465,396,000 | 454 |
| Average earning assets | $1,304,802,500 | 464 |
| Average equity | $128,470,000 | 547 |
| Average total loans | $995,429,500 | 427 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5514% | 1,177 |
| Cost of funding earning assets | 2.3143% | 57 |
| Net interest margin | 3.2371% | 6,039 |
| Noninterest income to average assets | -0.1216% | 7,303 |
| Noninterest expense to average assets | 1.7319% | 7,151 |
| Loan and lease loss provision to assets | 0.8173% | 1,122 |
| Net operating income to assets | 0.2169% | 5,678 |
| Return on assets (ROA) | 0.0907% | 6,118 |
| Pretax return on assets | 0.0862% | 6,124 |
| Return on Equity (ROE) | 1.0487% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.0487% | 5,442 |
| Net charge-offs to loans | 1.0421% | 1,511 |
| Credit loss provision to net charge-offs | 115.1853% | 2,658 |
| Earnings coverage of net charge-offs (x) | 1.4511% | 4,194 |
| Efficiency ratio | 62.3391% | 5,535 |
| Assets per employee ($millions) | 7.0882% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 2,919 |
| Loan loss allowance to noncurrent loans | 46.3504% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 7.1947% | 692 |
| Noncurrent loans to loans | 3.9276% | 1,768 |
| Net loans and leases to total assets | 66.5375% | 2,925 |
| Net loans and leases to deposits | 92.5236% | 996 |
| Net loans and leases to core deposits | 122.9090% | 363 |
| Total domestic deposits to total assets | 71.9141% | 7,010 |
| Equity capital to assets | 8.8307% | 5,780 |
| Core capital (leverage) ratio | 8.3440% | 5,801 |
| Tier 1 risk-based capital ratio | 11.5371% | 6,147 |
| Total risk-based capital ratio | 12.8067% | 6,112 |
| Memoranda: | ||
| Average total assets | $1,468,215,330 | 462 |
| Average earning assets | $1,307,706,670 | 473 |
| Average equity | $127,011,670 | 551 |
| Average total loans | $999,708,670 | 433 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5318% | 1,216 |
| Cost of funding earning assets | 2.3232% | 60 |
| Net interest margin | 3.2086% | 6,044 |
| Noninterest income to average assets | -0.5939% | 7,510 |
| Noninterest expense to average assets | 1.5758% | 7,320 |
| Loan and lease loss provision to assets | 0.8151% | 1,029 |
| Net operating income to assets | -0.0387% | 6,397 |
| Return on assets (ROA) | -0.1625% | 6,538 |
| Pretax return on assets | -0.3111% | 6,628 |
| Return on Equity (ROE) | -1.8977% | 6,574 |
| Retained earnings to average equity (ytd only) | -1.8977% | 6,128 |
| Net charge-offs to loans | 1.3101% | 1,053 |
| Credit loss provision to net charge-offs | 91.1577% | 2,921 |
| Earnings coverage of net charge-offs (x) | 0.7800% | 4,056 |
| Efficiency ratio | 68.8658% | 4,498 |
| Assets per employee ($millions) | 7.3728% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 3,342 |
| Loan loss allowance to noncurrent loans | 75.0643% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 6.0709% | 941 |
| Noncurrent loans to loans | 2.2632% | 3,237 |
| Net loans and leases to total assets | 66.4462% | 2,891 |
| Net loans and leases to deposits | 91.7978% | 1,039 |
| Net loans and leases to core deposits | 125.0886% | 326 |
| Total domestic deposits to total assets | 72.3832% | 7,053 |
| Equity capital to assets | 8.5434% | 5,846 |
| Core capital (leverage) ratio | 8.2545% | 5,895 |
| Tier 1 risk-based capital ratio | 11.2837% | 6,270 |
| Total risk-based capital ratio | 12.5540% | 6,236 |
| Memoranda: | ||
| Average total assets | $1,472,236,000 | 466 |
| Average earning assets | $1,315,604,000 | 475 |
| Average equity | $126,045,500 | 553 |
| Average total loans | $1,004,773,500 | 436 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8429% | 1,166 |
| Cost of funding earning assets | 2.7571% | 48 |
| Net interest margin | 3.0859% | 6,552 |
| Noninterest income to average assets | 0.1486% | 6,646 |
| Noninterest expense to average assets | 1.7716% | 7,290 |
| Loan and lease loss provision to assets | 1.4103% | 1,066 |
| Net operating income to assets | -0.0858% | 5,971 |
| Return on assets (ROA) | -0.0554% | 6,018 |
| Pretax return on assets | -0.2068% | 6,091 |
| Return on Equity (ROE) | -0.6705% | 6,034 |
| Retained earnings to average equity (ytd only) | -0.6705% | 5,739 |
| Net charge-offs to loans | 1.9480% | 1,050 |
| Credit loss provision to net charge-offs | 101.0603% | 4,493 |
| Earnings coverage of net charge-offs (x) | 0.8283% | 5,301 |
| Efficiency ratio | 60.1751% | 6,021 |
| Assets per employee ($millions) | 7.3865% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 3,214 |
| Loan loss allowance to noncurrent loans | 79.3989% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 6.2539% | 923 |
| Noncurrent loans to loans | 2.1418% | 3,379 |
| Net loans and leases to total assets | 67.7320% | 3,048 |
| Net loans and leases to deposits | 95.5544% | 905 |
| Net loans and leases to core deposits | 135.6652% | 265 |
| Total domestic deposits to total assets | 70.8832% | 7,181 |
| Equity capital to assets | 8.5797% | 5,750 |
| Core capital (leverage) ratio | 8.4964% | 5,373 |
| Tier 1 risk-based capital ratio | 11.3472% | 6,035 |
| Total risk-based capital ratio | 12.6238% | 6,010 |
| Memoranda: | ||
| Average total assets | $1,513,907,800 | 449 |
| Average earning assets | $1,363,267,200 | 451 |
| Average equity | $124,977,000 | 545 |
| Average total loans | $1,084,508,800 | 415 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8514% | 1,252 |
| Cost of funding earning assets | 2.8319% | 46 |
| Net interest margin | 3.0195% | 6,793 |
| Noninterest income to average assets | 0.1771% | 6,613 |
| Noninterest expense to average assets | 1.7671% | 7,368 |
| Loan and lease loss provision to assets | 1.6044% | 804 |
| Net operating income to assets | -0.2465% | 6,378 |
| Return on assets (ROA) | -0.1846% | 6,372 |
| Pretax return on assets | -0.3728% | 6,468 |
| Return on Equity (ROE) | -2.2572% | 6,428 |
| Retained earnings to average equity (ytd only) | -2.2572% | 6,249 |
| Net charge-offs to loans | 1.9932% | 947 |
| Credit loss provision to net charge-offs | 111.3403% | 3,800 |
| Earnings coverage of net charge-offs (x) | 0.7876% | 5,260 |
| Efficiency ratio | 60.5526% | 5,863 |
| Assets per employee ($millions) | 7.3713% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8174% | 2,728 |
| Loan loss allowance to noncurrent loans | 64.4235% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 6.5575% | 863 |
| Noncurrent loans to loans | 2.8211% | 2,830 |
| Net loans and leases to total assets | 68.4583% | 3,112 |
| Net loans and leases to deposits | 98.4238% | 770 |
| Net loans and leases to core deposits | 142.9149% | 232 |
| Total domestic deposits to total assets | 69.5546% | 7,295 |
| Equity capital to assets | 8.5127% | 6,262 |
| Core capital (leverage) ratio | 8.2727% | 5,922 |
| Tier 1 risk-based capital ratio | 10.9470% | 6,424 |
| Total risk-based capital ratio | 12.2284% | 6,379 |
| Memoranda: | ||
| Average total assets | $1,524,904,750 | 446 |
| Average earning assets | $1,376,119,250 | 444 |
| Average equity | $124,692,750 | 537 |
| Average total loans | $1,102,428,500 | 409 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8676% | 1,260 |
| Cost of funding earning assets | 2.8324% | 51 |
| Net interest margin | 3.0351% | 6,754 |
| Noninterest income to average assets | 0.0781% | 7,196 |
| Noninterest expense to average assets | 1.7006% | 7,502 |
| Loan and lease loss provision to assets | 1.8024% | 689 |
| Net operating income to assets | -0.4120% | 6,579 |
| Return on assets (ROA) | -0.3108% | 6,526 |
| Pretax return on assets | -0.5173% | 6,605 |
| Return on Equity (ROE) | -3.8514% | 6,609 |
| Retained earnings to average equity (ytd only) | -3.8514% | 6,421 |
| Net charge-offs to loans | 1.7942% | 1,039 |
| Credit loss provision to net charge-offs | 137.3735% | 2,918 |
| Earnings coverage of net charge-offs (x) | 0.8590% | 4,909 |
| Efficiency ratio | 59.7938% | 6,081 |
| Assets per employee ($millions) | 7.1982% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 2,383 |
| Loan loss allowance to noncurrent loans | 49.5195% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 7.3707% | 692 |
| Noncurrent loans to loans | 3.8604% | 1,984 |
| Net loans and leases to total assets | 70.4956% | 2,793 |
| Net loans and leases to deposits | 103.7001% | 497 |
| Net loans and leases to core deposits | 150.7991% | 210 |
| Total domestic deposits to total assets | 67.9803% | 7,430 |
| Equity capital to assets | 8.2624% | 6,468 |
| Core capital (leverage) ratio | 8.0512% | 6,198 |
| Tier 1 risk-based capital ratio | 10.7598% | 6,476 |
| Total risk-based capital ratio | 12.0172% | 6,462 |
| Memoranda: | ||
| Average total assets | $1,536,870,670 | 444 |
| Average earning assets | $1,392,227,330 | 442 |
| Average equity | $124,005,330 | 537 |
| Average total loans | $1,123,832,000 | 404 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 1,351 |
| Cost of funding earning assets | 2.8078% | 84 |
| Net interest margin | 3.0319% | 6,760 |
| Noninterest income to average assets | 0.2855% | 5,857 |
| Noninterest expense to average assets | 1.6774% | 7,592 |
| Loan and lease loss provision to assets | 1.3811% | 865 |
| Net operating income to assets | 0.0529% | 6,149 |
| Return on assets (ROA) | 0.0645% | 6,228 |
| Pretax return on assets | 0.0049% | 6,341 |
| Return on Equity (ROE) | 0.8093% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.8093% | 5,493 |
| Net charge-offs to loans | 1.5779% | 1,100 |
| Credit loss provision to net charge-offs | 118.7042% | 2,940 |
| Earnings coverage of net charge-offs (x) | 1.1813% | 4,060 |
| Efficiency ratio | 54.6439% | 6,916 |
| Assets per employee ($millions) | 7.4932% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 3,540 |
| Loan loss allowance to noncurrent loans | 32.1803% | 6,270 |
| Noncurrent assets plus other real estate owned to assets | 6.9350% | 783 |
| Noncurrent loans to loans | 4.9034% | 1,483 |
| Net loans and leases to total assets | 72.8068% | 2,258 |
| Net loans and leases to deposits | 109.2728% | 306 |
| Net loans and leases to core deposits | 157.2129% | 200 |
| Total domestic deposits to total assets | 66.6284% | 7,593 |
| Equity capital to assets | 8.2272% | 6,395 |
| Core capital (leverage) ratio | 8.1079% | 6,060 |
| Tier 1 risk-based capital ratio | 10.6450% | 6,497 |
| Total risk-based capital ratio | 11.8986% | 6,483 |
| Memoranda: | ||
| Average total assets | $1,549,498,500 | 451 |
| Average earning assets | $1,413,769,000 | 446 |
| Average equity | $123,560,500 | 543 |
| Average total loans | $1,142,553,000 | 420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0804% | 1,572 |
| Cost of funding earning assets | 2.9942% | 237 |
| Net interest margin | 3.0862% | 6,415 |
| Noninterest income to average assets | 0.3245% | 5,760 |
| Noninterest expense to average assets | 1.7360% | 7,669 |
| Loan and lease loss provision to assets | 1.2858% | 1,798 |
| Net operating income to assets | 0.1836% | 4,951 |
| Return on assets (ROA) | 0.0356% | 5,428 |
| Pretax return on assets | -0.0542% | 5,524 |
| Return on Equity (ROE) | 0.4840% | 5,396 |
| Retained earnings to average equity (ytd only) | 0.4840% | 4,635 |
| Net charge-offs to loans | 1.7096% | 1,473 |
| Credit loss provision to net charge-offs | 100.3307% | 5,495 |
| Earnings coverage of net charge-offs (x) | 1.1414% | 4,978 |
| Efficiency ratio | 53.9714% | 7,232 |
| Assets per employee ($millions) | 11.4627% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4727% | 3,876 |
| Loan loss allowance to noncurrent loans | 25.4316% | 6,769 |
| Noncurrent assets plus other real estate owned to assets | 6.8225% | 755 |
| Noncurrent loans to loans | 5.7909% | 1,092 |
| Net loans and leases to total assets | 72.4236% | 2,655 |
| Net loans and leases to deposits | 110.9595% | 350 |
| Net loans and leases to core deposits | 131.5465% | 1,196 |
| Total domestic deposits to total assets | 65.2703% | 7,666 |
| Equity capital to assets | 7.7280% | 6,833 |
| Core capital (leverage) ratio | 7.6214% | 6,656 |
| Tier 1 risk-based capital ratio | 10.1456% | 6,744 |
| Total risk-based capital ratio | 11.3979% | 6,709 |
| Memoranda: | ||
| Average total assets | $1,580,688,400 | 436 |
| Average earning assets | $1,472,136,000 | 424 |
| Average equity | $116,325,000 | 567 |
| Average total loans | $1,184,984,000 | 411 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1420% | 1,515 |
| Cost of funding earning assets | 3.0140% | 318 |
| Net interest margin | 3.1281% | 6,241 |
| Noninterest income to average assets | 0.3096% | 6,007 |
| Noninterest expense to average assets | 1.7407% | 7,716 |
| Loan and lease loss provision to assets | 1.1369% | 1,714 |
| Net operating income to assets | 0.4120% | 4,354 |
| Return on assets (ROA) | 0.0713% | 5,595 |
| Pretax return on assets | 0.0143% | 5,674 |
| Return on Equity (ROE) | 0.9814% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.9814% | 4,764 |
| Net charge-offs to loans | 1.8541% | 1,090 |
| Credit loss provision to net charge-offs | 81.3989% | 5,724 |
| Earnings coverage of net charge-offs (x) | 1.0681% | 4,988 |
| Efficiency ratio | 53.5548% | 7,286 |
| Assets per employee ($millions) | 11.2552% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 5,205 |
| Loan loss allowance to noncurrent loans | 23.5650% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 5.7501% | 967 |
| Noncurrent loans to loans | 5.0205% | 1,310 |
| Net loans and leases to total assets | 73.9328% | 2,543 |
| Net loans and leases to deposits | 118.1446% | 237 |
| Net loans and leases to core deposits | 138.3756% | 993 |
| Total domestic deposits to total assets | 62.5782% | 7,807 |
| Equity capital to assets | 7.8220% | 7,012 |
| Core capital (leverage) ratio | 7.6576% | 6,789 |
| Tier 1 risk-based capital ratio | 10.0625% | 6,911 |
| Total risk-based capital ratio | 11.2332% | 6,955 |
| Memoranda: | ||
| Average total assets | $1,583,264,500 | 448 |
| Average earning assets | $1,479,391,250 | 436 |
| Average equity | $115,066,500 | 581 |
| Average total loans | $1,192,647,750 | 424 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1396% | 1,650 |
| Cost of funding earning assets | 3.0106% | 461 |
| Net interest margin | 3.1291% | 6,155 |
| Noninterest income to average assets | 0.2758% | 6,290 |
| Noninterest expense to average assets | 1.7308% | 7,802 |
| Loan and lease loss provision to assets | 1.1953% | 1,435 |
| Net operating income to assets | 0.2405% | 5,127 |
| Return on assets (ROA) | -0.1197% | 6,079 |
| Pretax return on assets | -0.2802% | 6,216 |
| Return on Equity (ROE) | -1.6887% | 6,174 |
| Retained earnings to average equity (ytd only) | -1.6887% | 5,669 |
| Net charge-offs to loans | 2.0213% | 915 |
| Credit loss provision to net charge-offs | 78.3311% | 5,242 |
| Earnings coverage of net charge-offs (x) | 0.9685% | 4,807 |
| Efficiency ratio | 53.6429% | 7,370 |
| Assets per employee ($millions) | 10.9922% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2115% | 4,860 |
| Loan loss allowance to noncurrent loans | 23.2164% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 5.2199% | 986 |
| Noncurrent loans to loans | 5.2184% | 1,146 |
| Net loans and leases to total assets | 74.2065% | 2,650 |
| Net loans and leases to deposits | 121.0064% | 214 |
| Net loans and leases to core deposits | 142.2891% | 923 |
| Total domestic deposits to total assets | 61.3244% | 7,911 |
| Equity capital to assets | 7.1794% | 7,498 |
| Core capital (leverage) ratio | 7.2290% | 7,323 |
| Tier 1 risk-based capital ratio | 9.5597% | 7,341 |
| Total risk-based capital ratio | 10.7644% | 7,333 |
| Memoranda: | ||
| Average total assets | $1,589,530,330 | 456 |
| Average earning assets | $1,489,891,000 | 444 |
| Average equity | $112,631,000 | 598 |
| Average total loans | $1,200,029,330 | 438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1213% | 1,864 |
| Cost of funding earning assets | 3.0050% | 599 |
| Net interest margin | 3.1163% | 6,154 |
| Noninterest income to average assets | 0.2660% | 6,314 |
| Noninterest expense to average assets | 1.6169% | 7,899 |
| Loan and lease loss provision to assets | 1.0010% | 1,301 |
| Net operating income to assets | 0.4524% | 4,643 |
| Return on assets (ROA) | 0.5030% | 4,594 |
| Pretax return on assets | 0.6402% | 4,618 |
| Return on Equity (ROE) | 7.1454% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.1454% | 2,160 |
| Net charge-offs to loans | -0.3515% | 8,084 |
| Credit loss provision to net charge-offs | -376.2935% | 6,359 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3252% | 7,565 |
| Assets per employee ($millions) | 10.6273% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 1,805 |
| Loan loss allowance to noncurrent loans | 27.6669% | 6,711 |
| Noncurrent assets plus other real estate owned to assets | 5.5139% | 772 |
| Noncurrent loans to loans | 6.5742% | 658 |
| Net loans and leases to total assets | 74.9831% | 2,507 |
| Net loans and leases to deposits | 123.0331% | 235 |
| Net loans and leases to core deposits | 142.8645% | 972 |
| Total domestic deposits to total assets | 60.9454% | 7,948 |
| Equity capital to assets | 6.9988% | 7,682 |
| Core capital (leverage) ratio | 7.2364% | 7,445 |
| Tier 1 risk-based capital ratio | 9.5981% | 7,345 |
| Total risk-based capital ratio | 10.8561% | 7,271 |
| Memoranda: | ||
| Average total assets | $1,598,352,000 | 459 |
| Average earning assets | $1,501,784,000 | 444 |
| Average equity | $112,520,500 | 597 |
| Average total loans | $1,209,670,500 | 441 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5920% | 2,525 |
| Cost of funding earning assets | 3.3342% | 844 |
| Net interest margin | 3.2578% | 6,189 |
| Noninterest income to average assets | 0.3249% | 6,128 |
| Noninterest expense to average assets | 1.6034% | 7,959 |
| Loan and lease loss provision to assets | 1.0291% | 1,424 |
| Net operating income to assets | 0.6205% | 4,224 |
| Return on assets (ROA) | 0.2735% | 5,450 |
| Pretax return on assets | 0.3353% | 5,429 |
| Return on Equity (ROE) | 3.8664% | 4,869 |
| Retained earnings to average equity (ytd only) | 1.9895% | 3,994 |
| Net charge-offs to loans | 0.6841% | 1,796 |
| Credit loss provision to net charge-offs | 199.7680% | 2,446 |
| Earnings coverage of net charge-offs (x) | 3.4699% | 4,355 |
| Efficiency ratio | 46.9896% | 7,875 |
| Assets per employee ($millions) | 10.9744% | 208 |
| Cash dividends to net income (ytd only)* | 48.5437% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 3,201 |
| Loan loss allowance to noncurrent loans | 35.1716% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 3.4870% | 1,277 |
| Noncurrent loans to loans | 3.9788% | 1,241 |
| Net loans and leases to total assets | 73.9556% | 3,109 |
| Net loans and leases to deposits | 122.9320% | 326 |
| Net loans and leases to core deposits | 143.7530% | 1,101 |
| Total domestic deposits to total assets | 60.1598% | 7,962 |
| Equity capital to assets | 7.0800% | 7,698 |
| Core capital (leverage) ratio | 7.2445% | 7,479 |
| Tier 1 risk-based capital ratio | 9.1785% | 7,635 |
| Total risk-based capital ratio | 10.4304% | 7,596 |
| Memoranda: | ||
| Average total assets | $1,506,203,800 | 464 |
| Average earning assets | $1,417,536,000 | 451 |
| Average equity | $106,560,400 | 635 |
| Average total loans | $1,134,162,600 | 452 |