Home > Texas Bank and Trust Company > Performance and Condition Ratios
Texas Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 2,559 |
| Cost of funding earning assets | 1.7609% | 1,321 |
| Net interest margin | 2.9967% | 3,288 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.1455% | 3,273 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.0624% | 2,032 |
| Return on assets (ROA) | 1.0624% | 2,003 |
| Pretax return on assets | 1.3248% | 1,808 |
| Return on Equity (ROE) | 11.1000% | 2,197 |
| Retained earnings to average equity (ytd only) | 8.5703% | 1,373 |
| Net charge-offs to loans | 0.0762% | 1,104 |
| Credit loss provision to net charge-offs | 101.7302% | 1,821 |
| Earnings coverage of net charge-offs (x) | 24.3146% | 1,764 |
| Efficiency ratio | 59.7753% | 3,104 |
| Assets per employee ($millions) | 8.0526% | 1,406 |
| Cash dividends to net income (ytd only)* | 22.7875% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 1,790 |
| Loan loss allowance to noncurrent loans | 583.1288% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 2,306 |
| Noncurrent loans to loans | 0.2220% | 2,431 |
| Net loans and leases to total assets | 77.4500% | 922 |
| Net loans and leases to deposits | 92.6119% | 1,047 |
| Net loans and leases to core deposits | 104.8209% | 1,175 |
| Total domestic deposits to total assets | 83.6300% | 2,725 |
| Equity capital to assets | 9.9114% | 2,059 |
| Core capital (leverage) ratio | 10.3602% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4110% | 2,097 |
| Memoranda: | ||
| Average total assets | $4,295,709,600 | 307 |
| Average earning assets | $4,033,765,200 | 296 |
| Average equity | $411,173,800 | 311 |
| Average total loans | $3,336,262,800 | 273 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 2,492 |
| Cost of funding earning assets | 1.6198% | 1,333 |
| Net interest margin | 3.0698% | 3,202 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.1455% | 3,223 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1214% | 1,987 |
| Return on assets (ROA) | 1.1201% | 1,970 |
| Pretax return on assets | 1.3973% | 1,784 |
| Return on Equity (ROE) | 11.8100% | 2,176 |
| Retained earnings to average equity (ytd only) | 8.3861% | 1,844 |
| Net charge-offs to loans | -0.0248% | 4,191 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.0331% | 3,082 |
| Assets per employee ($millions) | 8.1033% | 1,296 |
| Cash dividends to net income (ytd only)* | 28.9895% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 1,768 |
| Loan loss allowance to noncurrent loans | 1,152.0684% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 2,941 |
| Noncurrent loans to loans | 0.1147% | 2,999 |
| Net loans and leases to total assets | 77.1100% | 982 |
| Net loans and leases to deposits | 89.7494% | 1,254 |
| Net loans and leases to core deposits | 102.4867% | 1,185 |
| Total domestic deposits to total assets | 85.9100% | 2,227 |
| Equity capital to assets | 9.2609% | 2,247 |
| Core capital (leverage) ratio | 10.1871% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1427% | 2,220 |
| Memoranda: | ||
| Average total assets | $4,270,460,250 | 307 |
| Average earning assets | $4,011,017,250 | 297 |
| Average equity | $405,023,750 | 317 |
| Average total loans | $3,307,848,500 | 276 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 2,433 |
| Cost of funding earning assets | 1.4227% | 1,387 |
| Net interest margin | 3.1665% | 3,066 |
| Noninterest income to average assets | 0.7600% | 956 |
| Noninterest expense to average assets | 2.1290% | 3,271 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.1922% | 1,848 |
| Return on assets (ROA) | 1.1920% | 1,840 |
| Pretax return on assets | 1.4873% | 1,624 |
| Return on Equity (ROE) | 12.4700% | 2,021 |
| Retained earnings to average equity (ytd only) | 9.9007% | 1,427 |
| Net charge-offs to loans | -0.0180% | 4,093 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.0389% | 3,301 |
| Assets per employee ($millions) | 8.0505% | 1,291 |
| Cash dividends to net income (ytd only)* | 20.5867% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 1,513 |
| Loan loss allowance to noncurrent loans | 961.7599% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.1184% | 2,708 |
| Noncurrent loans to loans | 0.1462% | 2,731 |
| Net loans and leases to total assets | 76.5500% | 994 |
| Net loans and leases to deposits | 95.1493% | 779 |
| Net loans and leases to core deposits | 104.4860% | 1,034 |
| Total domestic deposits to total assets | 80.4600% | 3,508 |
| Equity capital to assets | 9.6027% | 2,091 |
| Core capital (leverage) ratio | 10.2357% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1179% | 2,248 |
| Memoranda: | ||
| Average total assets | $4,238,062,000 | 300 |
| Average earning assets | $3,977,923,667 | 291 |
| Average equity | $405,203,667 | 306 |
| Average total loans | $3,272,833,333 | 270 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 2,322 |
| Cost of funding earning assets | 1.1845% | 1,494 |
| Net interest margin | 3.3126% | 2,846 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 2.0995% | 3,384 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.2984% | 1,676 |
| Return on assets (ROA) | 1.2993% | 1,642 |
| Pretax return on assets | 1.6227% | 1,410 |
| Return on Equity (ROE) | 13.6200% | 1,855 |
| Retained earnings to average equity (ytd only) | 8.4278% | 2,103 |
| Net charge-offs to loans | -0.0364% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.0298% | 3,600 |
| Assets per employee ($millions) | 8.0322% | 1,322 |
| Cash dividends to net income (ytd only)* | 38.1204% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 1,598 |
| Loan loss allowance to noncurrent loans | 1,022.5327% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 2,749 |
| Noncurrent loans to loans | 0.1374% | 2,814 |
| Net loans and leases to total assets | 76.0000% | 973 |
| Net loans and leases to deposits | 93.1789% | 837 |
| Net loans and leases to core deposits | 99.5567% | 1,111 |
| Total domestic deposits to total assets | 81.5600% | 3,550 |
| Equity capital to assets | 9.5405% | 2,109 |
| Core capital (leverage) ratio | 10.1289% | 2,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8688% | 2,440 |
| Memoranda: | ||
| Average total assets | $4,199,567,500 | 313 |
| Average earning assets | $3,943,621,500 | 302 |
| Average equity | $400,625,500 | 316 |
| Average total loans | $3,234,024,000 | 280 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7615% | 2,371 |
| Cost of funding earning assets | 0.3550% | 2,440 |
| Net interest margin | 3.4065% | 2,236 |
| Noninterest income to average assets | 0.7600% | 1,100 |
| Noninterest expense to average assets | 2.0974% | 3,298 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.4109% | 1,105 |
| Return on assets (ROA) | 1.4081% | 1,073 |
| Pretax return on assets | 1.7580% | 807 |
| Return on Equity (ROE) | 14.7000% | 1,341 |
| Retained earnings to average equity (ytd only) | 12.4166% | 602 |
| Net charge-offs to loans | 0.0343% | 1,392 |
| Credit loss provision to net charge-offs | 435.2227% | 738 |
| Earnings coverage of net charge-offs (x) | 75.9636% | 1,116 |
| Efficiency ratio | 52.6492% | 3,921 |
| Assets per employee ($millions) | 8.0273% | 1,308 |
| Cash dividends to net income (ytd only)* | 15.5590% | 3,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 1,813 |
| Loan loss allowance to noncurrent loans | 980.6346% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 2,814 |
| Noncurrent loans to loans | 0.1345% | 2,842 |
| Net loans and leases to total assets | 75.9200% | 1,018 |
| Net loans and leases to deposits | 91.9031% | 919 |
| Net loans and leases to core deposits | 96.6751% | 1,165 |
| Total domestic deposits to total assets | 82.6100% | 3,510 |
| Equity capital to assets | 9.5388% | 1,977 |
| Core capital (leverage) ratio | 10.3012% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9076% | 2,411 |
| Memoranda: | ||
| Average total assets | $4,016,571,800 | 314 |
| Average earning assets | $3,775,085,000 | 302 |
| Average equity | $384,638,200 | 319 |
| Average total loans | $2,880,243,000 | 290 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5641% | 2,438 |
| Cost of funding earning assets | 0.2642% | 2,557 |
| Net interest margin | 3.3000% | 2,293 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.0673% | 3,300 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.3402% | 1,237 |
| Return on assets (ROA) | 1.3362% | 1,227 |
| Pretax return on assets | 1.6680% | 964 |
| Return on Equity (ROE) | 13.9400% | 1,443 |
| Retained earnings to average equity (ytd only) | 10.8675% | 1,091 |
| Net charge-offs to loans | 0.0443% | 1,047 |
| Credit loss provision to net charge-offs | 397.4221% | 709 |
| Earnings coverage of net charge-offs (x) | 57.6864% | 1,192 |
| Efficiency ratio | 53.2555% | 3,888 |
| Assets per employee ($millions) | 7.9176% | 1,368 |
| Cash dividends to net income (ytd only)* | 22.0342% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 1,819 |
| Loan loss allowance to noncurrent loans | 913.6093% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1118% | 2,846 |
| Noncurrent loans to loans | 0.1474% | 2,873 |
| Net loans and leases to total assets | 74.8100% | 1,029 |
| Net loans and leases to deposits | 83.9731% | 1,302 |
| Net loans and leases to core deposits | 87.5115% | 1,438 |
| Total domestic deposits to total assets | 89.0900% | 2,050 |
| Equity capital to assets | 9.0768% | 2,158 |
| Core capital (leverage) ratio | 10.1534% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8168% | 2,545 |
| Memoranda: | ||
| Average total assets | $3,985,198,500 | 314 |
| Average earning assets | $3,748,269,750 | 305 |
| Average equity | $382,021,750 | 321 |
| Average total loans | $2,803,610,000 | 289 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3503% | 2,571 |
| Cost of funding earning assets | 0.2498% | 2,275 |
| Net interest margin | 3.1005% | 2,537 |
| Noninterest income to average assets | 0.7735% | 1,118 |
| Noninterest expense to average assets | 2.0557% | 3,277 |
| Loan and lease loss provision to assets | 0.0909% | 1,089 |
| Net operating income to assets | 1.2371% | 1,308 |
| Return on assets (ROA) | 1.2331% | 1,301 |
| Pretax return on assets | 1.5396% | 1,076 |
| Return on Equity (ROE) | 12.6339% | 1,480 |
| Retained earnings to average equity (ytd only) | 10.3568% | 933 |
| Net charge-offs to loans | 0.0597% | 808 |
| Credit loss provision to net charge-offs | 222.4969% | 923 |
| Earnings coverage of net charge-offs (x) | 40.0247% | 1,257 |
| Efficiency ratio | 55.4351% | 3,835 |
| Assets per employee ($millions) | 7.8273% | 1,396 |
| Cash dividends to net income (ytd only)* | 18.0232% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 1,731 |
| Loan loss allowance to noncurrent loans | 718.9752% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.1378% | 2,752 |
| Noncurrent loans to loans | 0.1953% | 2,728 |
| Net loans and leases to total assets | 69.5568% | 1,339 |
| Net loans and leases to deposits | 77.3253% | 1,587 |
| Net loans and leases to core deposits | 80.7837% | 1,672 |
| Total domestic deposits to total assets | 89.9535% | 1,726 |
| Equity capital to assets | 9.4909% | 2,023 |
| Core capital (leverage) ratio | 9.8332% | 2,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6021% | 2,248 |
| Memoranda: | ||
| Average total assets | $3,959,684,000 | 315 |
| Average earning assets | $3,726,255,667 | 308 |
| Average equity | $386,469,667 | 316 |
| Average total loans | $2,711,393,000 | 293 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2017% | 2,687 |
| Cost of funding earning assets | 0.2539% | 2,113 |
| Net interest margin | 2.9477% | 2,678 |
| Noninterest income to average assets | 0.7702% | 1,115 |
| Noninterest expense to average assets | 2.0453% | 3,315 |
| Loan and lease loss provision to assets | 0.0915% | 905 |
| Net operating income to assets | 1.1360% | 1,420 |
| Return on assets (ROA) | 1.1320% | 1,429 |
| Pretax return on assets | 1.4127% | 1,218 |
| Return on Equity (ROE) | 11.4375% | 1,479 |
| Retained earnings to average equity (ytd only) | 6.9192% | 1,912 |
| Net charge-offs to loans | 0.0406% | 879 |
| Credit loss provision to net charge-offs | 334.5725% | 632 |
| Earnings coverage of net charge-offs (x) | 55.2007% | 887 |
| Efficiency ratio | 57.2728% | 3,755 |
| Assets per employee ($millions) | 8.0770% | 1,320 |
| Cash dividends to net income (ytd only)* | 39.5044% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,718 |
| Loan loss allowance to noncurrent loans | 427.5206% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 2,271 |
| Noncurrent loans to loans | 0.3389% | 2,268 |
| Net loans and leases to total assets | 66.6767% | 1,344 |
| Net loans and leases to deposits | 74.1887% | 1,591 |
| Net loans and leases to core deposits | 77.6647% | 1,642 |
| Total domestic deposits to total assets | 89.8745% | 1,641 |
| Equity capital to assets | 9.5316% | 2,255 |
| Core capital (leverage) ratio | 9.7801% | 2,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0377% | 2,190 |
| Memoranda: | ||
| Average total assets | $3,935,733,500 | 323 |
| Average earning assets | $3,717,433,000 | 314 |
| Average equity | $389,526,500 | 324 |
| Average total loans | $2,653,460,500 | 297 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3561% | 3,036 |
| Cost of funding earning assets | 0.3257% | 2,156 |
| Net interest margin | 3.0304% | 3,111 |
| Noninterest income to average assets | 0.8483% | 1,324 |
| Noninterest expense to average assets | 2.1162% | 3,350 |
| Loan and lease loss provision to assets | 0.0728% | 1,642 |
| Net operating income to assets | 1.2164% | 1,870 |
| Return on assets (ROA) | 1.2159% | 1,920 |
| Pretax return on assets | 1.5150% | 1,670 |
| Return on Equity (ROE) | 11.4065% | 2,013 |
| Retained earnings to average equity (ytd only) | 9.3050% | 1,099 |
| Net charge-offs to loans | 0.0166% | 1,963 |
| Credit loss provision to net charge-offs | 623.5012% | 705 |
| Earnings coverage of net charge-offs (x) | 136.0408% | 722 |
| Efficiency ratio | 56.8384% | 3,598 |
| Assets per employee ($millions) | 7.7767% | 1,453 |
| Cash dividends to net income (ytd only)* | 18.4238% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,583 |
| Loan loss allowance to noncurrent loans | 483.0692% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 2,521 |
| Noncurrent loans to loans | 0.3093% | 2,483 |
| Net loans and leases to total assets | 66.1690% | 1,452 |
| Net loans and leases to deposits | 74.0148% | 1,724 |
| Net loans and leases to core deposits | 77.6120% | 1,791 |
| Total domestic deposits to total assets | 89.3998% | 1,299 |
| Equity capital to assets | 10.2776% | 2,393 |
| Core capital (leverage) ratio | 10.0596% | 2,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8644% | 1,901 |
| Memoranda: | ||
| Average total assets | $3,571,272,000 | 327 |
| Average earning assets | $3,366,241,800 | 320 |
| Average equity | $380,677,800 | 333 |
| Average total loans | $2,513,544,800 | 302 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4116% | 3,070 |
| Cost of funding earning assets | 0.3478% | 2,137 |
| Net interest margin | 3.0639% | 3,144 |
| Noninterest income to average assets | 0.8745% | 1,310 |
| Noninterest expense to average assets | 2.1014% | 3,358 |
| Loan and lease loss provision to assets | 0.0686% | 1,636 |
| Net operating income to assets | 1.2719% | 1,913 |
| Return on assets (ROA) | 1.2715% | 1,970 |
| Pretax return on assets | 1.5852% | 1,752 |
| Return on Equity (ROE) | 11.8119% | 2,110 |
| Retained earnings to average equity (ytd only) | 8.9807% | 1,704 |
| Net charge-offs to loans | -0.0007% | 3,100 |
| Credit loss provision to net charge-offs | -13,846.1538% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6672% | 3,568 |
| Assets per employee ($millions) | 7.4907% | 1,577 |
| Cash dividends to net income (ytd only)* | 23.9693% | 2,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,611 |
| Loan loss allowance to noncurrent loans | 415.6965% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2539% | 2,505 |
| Noncurrent loans to loans | 0.3620% | 2,485 |
| Net loans and leases to total assets | 69.0960% | 1,180 |
| Net loans and leases to deposits | 77.6696% | 1,511 |
| Net loans and leases to core deposits | 81.8097% | 1,584 |
| Total domestic deposits to total assets | 88.9615% | 1,299 |
| Equity capital to assets | 10.7095% | 2,254 |
| Core capital (leverage) ratio | 10.3889% | 2,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7520% | 2,065 |
| Memoranda: | ||
| Average total assets | $3,499,784,750 | 335 |
| Average earning assets | $3,291,156,750 | 327 |
| Average equity | $376,739,500 | 335 |
| Average total loans | $2,494,180,000 | 304 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4554% | 3,016 |
| Cost of funding earning assets | 0.3794% | 2,056 |
| Net interest margin | 3.0760% | 3,098 |
| Noninterest income to average assets | 0.9117% | 1,240 |
| Noninterest expense to average assets | 2.1131% | 3,350 |
| Loan and lease loss provision to assets | 0.0695% | 1,664 |
| Net operating income to assets | 1.3023% | 1,865 |
| Return on assets (ROA) | 1.3017% | 1,933 |
| Pretax return on assets | 1.6232% | 1,677 |
| Return on Equity (ROE) | 12.0705% | 2,028 |
| Retained earnings to average equity (ytd only) | 9.9236% | 1,416 |
| Net charge-offs to loans | 0.0002% | 2,243 |
| Credit loss provision to net charge-offs | 60,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 14,628.5000% | 4 |
| Efficiency ratio | 55.2269% | 3,639 |
| Assets per employee ($millions) | 7.3129% | 1,589 |
| Cash dividends to net income (ytd only)* | 17.7865% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,564 |
| Loan loss allowance to noncurrent loans | 339.0207% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 2,328 |
| Noncurrent loans to loans | 0.4449% | 2,334 |
| Net loans and leases to total assets | 70.3402% | 1,154 |
| Net loans and leases to deposits | 79.2240% | 1,494 |
| Net loans and leases to core deposits | 83.6274% | 1,596 |
| Total domestic deposits to total assets | 88.7865% | 1,396 |
| Equity capital to assets | 10.9074% | 2,064 |
| Core capital (leverage) ratio | 10.2081% | 2,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3088% | 1,864 |
| Memoranda: | ||
| Average total assets | $3,455,389,000 | 339 |
| Average earning assets | $3,251,798,000 | 328 |
| Average equity | $372,628,333 | 335 |
| Average total loans | $2,476,044,000 | 305 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4836% | 2,971 |
| Cost of funding earning assets | 0.3987% | 2,109 |
| Net interest margin | 3.0848% | 3,039 |
| Noninterest income to average assets | 0.7498% | 1,710 |
| Noninterest expense to average assets | 2.1065% | 3,405 |
| Loan and lease loss provision to assets | 0.0699% | 1,762 |
| Net operating income to assets | 1.1843% | 2,215 |
| Return on assets (ROA) | 1.1832% | 2,288 |
| Pretax return on assets | 1.4732% | 2,065 |
| Return on Equity (ROE) | 11.0365% | 2,358 |
| Retained earnings to average equity (ytd only) | 6.6876% | 2,668 |
| Net charge-offs to loans | -0.0322% | 4,205 |
| Credit loss provision to net charge-offs | -303.0303% | 3,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3955% | 3,383 |
| Assets per employee ($millions) | 7.3369% | 1,569 |
| Cash dividends to net income (ytd only)* | 39.4050% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 1,602 |
| Loan loss allowance to noncurrent loans | 316.7840% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 2,493 |
| Noncurrent loans to loans | 0.4741% | 2,432 |
| Net loans and leases to total assets | 68.3841% | 1,481 |
| Net loans and leases to deposits | 76.5692% | 1,841 |
| Net loans and leases to core deposits | 80.8002% | 1,931 |
| Total domestic deposits to total assets | 89.3102% | 1,164 |
| Equity capital to assets | 10.3421% | 2,402 |
| Core capital (leverage) ratio | 10.4013% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1295% | 1,863 |
| Memoranda: | ||
| Average total assets | $3,431,646,000 | 337 |
| Average earning assets | $3,227,394,500 | 329 |
| Average equity | $367,906,000 | 338 |
| Average total loans | $2,463,234,500 | 308 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9528% | 2,874 |
| Cost of funding earning assets | 0.5815% | 2,437 |
| Net interest margin | 3.3713% | 2,862 |
| Noninterest income to average assets | 0.8867% | 1,302 |
| Noninterest expense to average assets | 2.2975% | 3,405 |
| Loan and lease loss provision to assets | 0.1492% | 2,506 |
| Net operating income to assets | 1.2871% | 1,280 |
| Return on assets (ROA) | 1.2882% | 1,383 |
| Pretax return on assets | 1.5948% | 1,086 |
| Return on Equity (ROE) | 10.9796% | 1,632 |
| Retained earnings to average equity (ytd only) | 8.9101% | 792 |
| Net charge-offs to loans | 0.0336% | 2,375 |
| Credit loss provision to net charge-offs | 579.1885% | 1,131 |
| Earnings coverage of net charge-offs (x) | 67.6348% | 999 |
| Efficiency ratio | 56.5538% | 3,914 |
| Assets per employee ($millions) | 6.6054% | 1,847 |
| Cash dividends to net income (ytd only)* | 18.8482% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 1,591 |
| Loan loss allowance to noncurrent loans | 305.0939% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 2,520 |
| Noncurrent loans to loans | 0.4906% | 2,497 |
| Net loans and leases to total assets | 73.2334% | 1,121 |
| Net loans and leases to deposits | 82.7250% | 1,579 |
| Net loans and leases to core deposits | 87.8588% | 1,705 |
| Total domestic deposits to total assets | 88.5264% | 1,210 |
| Equity capital to assets | 11.1342% | 2,149 |
| Core capital (leverage) ratio | 10.7091% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4605% | 1,694 |
| Memoranda: | ||
| Average total assets | $2,965,263,000 | 343 |
| Average earning assets | $2,773,649,800 | 335 |
| Average equity | $347,918,000 | 333 |
| Average total loans | $2,275,614,200 | 314 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0488% | 2,827 |
| Cost of funding earning assets | 0.6188% | 2,496 |
| Net interest margin | 3.4300% | 2,816 |
| Noninterest income to average assets | 0.8902% | 1,257 |
| Noninterest expense to average assets | 2.3161% | 3,379 |
| Loan and lease loss provision to assets | 0.1767% | 2,219 |
| Net operating income to assets | 1.2928% | 1,372 |
| Return on assets (ROA) | 1.2944% | 1,465 |
| Pretax return on assets | 1.6054% | 1,169 |
| Return on Equity (ROE) | 10.8739% | 1,723 |
| Retained earnings to average equity (ytd only) | 8.0794% | 1,279 |
| Net charge-offs to loans | 0.0345% | 2,143 |
| Credit loss provision to net charge-offs | 661.7647% | 1,105 |
| Earnings coverage of net charge-offs (x) | 66.6661% | 1,029 |
| Efficiency ratio | 56.2224% | 3,894 |
| Assets per employee ($millions) | 6.5463% | 1,793 |
| Cash dividends to net income (ytd only)* | 25.6996% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 1,365 |
| Loan loss allowance to noncurrent loans | 301.3599% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 2,628 |
| Noncurrent loans to loans | 0.4995% | 2,559 |
| Net loans and leases to total assets | 75.8445% | 1,116 |
| Net loans and leases to deposits | 86.0016% | 1,707 |
| Net loans and leases to core deposits | 91.3399% | 1,855 |
| Total domestic deposits to total assets | 88.1897% | 1,123 |
| Equity capital to assets | 11.4046% | 2,079 |
| Core capital (leverage) ratio | 10.8693% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6014% | 1,623 |
| Memoranda: | ||
| Average total assets | $2,885,853,000 | 344 |
| Average earning assets | $2,697,562,500 | 334 |
| Average equity | $343,516,250 | 329 |
| Average total loans | $2,234,338,250 | 314 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 2,662 |
| Cost of funding earning assets | 0.6713% | 2,550 |
| Net interest margin | 3.5602% | 2,611 |
| Noninterest income to average assets | 0.8912% | 1,190 |
| Noninterest expense to average assets | 2.3277% | 3,455 |
| Loan and lease loss provision to assets | 0.2083% | 1,973 |
| Net operating income to assets | 1.3541% | 1,213 |
| Return on assets (ROA) | 1.3565% | 1,300 |
| Pretax return on assets | 1.6819% | 1,037 |
| Return on Equity (ROE) | 11.2221% | 1,565 |
| Retained earnings to average equity (ytd only) | 9.1017% | 981 |
| Net charge-offs to loans | -0.0150% | 4,320 |
| Credit loss provision to net charge-offs | -1,794.4785% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9079% | 4,073 |
| Assets per employee ($millions) | 6.4947% | 1,781 |
| Cash dividends to net income (ytd only)* | 18.8947% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 1,147 |
| Loan loss allowance to noncurrent loans | 281.1288% | 1,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 2,627 |
| Noncurrent loans to loans | 0.5481% | 2,527 |
| Net loans and leases to total assets | 74.8069% | 1,303 |
| Net loans and leases to deposits | 84.8591% | 1,906 |
| Net loans and leases to core deposits | 90.2453% | 2,058 |
| Total domestic deposits to total assets | 88.1543% | 1,107 |
| Equity capital to assets | 11.3697% | 2,062 |
| Core capital (leverage) ratio | 11.1035% | 1,889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9005% | 1,515 |
| Memoranda: | ||
| Average total assets | $2,809,118,333 | 346 |
| Average earning assets | $2,622,516,667 | 333 |
| Average equity | $339,563,333 | 330 |
| Average total loans | $2,179,291,667 | 316 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3789% | 2,694 |
| Cost of funding earning assets | 0.7511% | 2,661 |
| Net interest margin | 3.6277% | 2,579 |
| Noninterest income to average assets | 1.0101% | 839 |
| Noninterest expense to average assets | 2.5990% | 2,983 |
| Loan and lease loss provision to assets | -0.0112% | 5,044 |
| Net operating income to assets | 1.4468% | 884 |
| Return on assets (ROA) | 1.4487% | 958 |
| Pretax return on assets | 1.8041% | 691 |
| Return on Equity (ROE) | 11.5898% | 1,231 |
| Retained earnings to average equity (ytd only) | 7.2876% | 1,446 |
| Net charge-offs to loans | -0.0396% | 4,561 |
| Credit loss provision to net charge-offs | 36.0577% | 2,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8892% | 3,888 |
| Assets per employee ($millions) | 5.5159% | 2,105 |
| Cash dividends to net income (ytd only)* | 37.1211% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 1,159 |
| Loan loss allowance to noncurrent loans | 315.8867% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 2,888 |
| Noncurrent loans to loans | 0.4948% | 2,781 |
| Net loans and leases to total assets | 77.3819% | 1,073 |
| Net loans and leases to deposits | 88.9769% | 1,646 |
| Net loans and leases to core deposits | 95.6615% | 1,824 |
| Total domestic deposits to total assets | 86.9685% | 1,571 |
| Equity capital to assets | 12.5876% | 1,680 |
| Core capital (leverage) ratio | 11.8494% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8972% | 1,629 |
| Memoranda: | ||
| Average total assets | $2,677,680,500 | 346 |
| Average earning assets | $2,494,352,500 | 339 |
| Average equity | $334,707,000 | 331 |
| Average total loans | $2,101,924,000 | 320 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6059% | 2,585 |
| Cost of funding earning assets | 0.7726% | 2,818 |
| Net interest margin | 3.8333% | 2,393 |
| Noninterest income to average assets | 0.9227% | 1,137 |
| Noninterest expense to average assets | 2.4731% | 3,518 |
| Loan and lease loss provision to assets | 0.0959% | 2,125 |
| Net operating income to assets | 1.5433% | 954 |
| Return on assets (ROA) | 1.5442% | 1,012 |
| Pretax return on assets | 1.9152% | 723 |
| Return on Equity (ROE) | 12.8718% | 1,208 |
| Retained earnings to average equity (ytd only) | 10.9538% | 341 |
| Net charge-offs to loans | 0.0627% | 2,204 |
| Credit loss provision to net charge-offs | 188.1114% | 1,405 |
| Earnings coverage of net charge-offs (x) | 39.4372% | 1,328 |
| Efficiency ratio | 54.8442% | 4,337 |
| Assets per employee ($millions) | 5.5723% | 2,006 |
| Cash dividends to net income (ytd only)* | 14.9002% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 1,046 |
| Loan loss allowance to noncurrent loans | 325.8077% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4155% | 2,731 |
| Noncurrent loans to loans | 0.4823% | 2,741 |
| Net loans and leases to total assets | 77.1529% | 1,236 |
| Net loans and leases to deposits | 88.5184% | 1,769 |
| Net loans and leases to core deposits | 95.7706% | 1,921 |
| Total domestic deposits to total assets | 87.1603% | 1,536 |
| Equity capital to assets | 12.4116% | 1,876 |
| Core capital (leverage) ratio | 11.7086% | 1,955 |
| Tier 1 risk-based capital ratio | 14.4402% | 3,049 |
| Total risk-based capital ratio | 15.6938% | 2,944 |
| Memoranda: | ||
| Average total assets | $2,607,626,800 | 344 |
| Average earning assets | $2,421,959,400 | 338 |
| Average equity | $312,839,800 | 336 |
| Average total loans | $2,120,428,800 | 310 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 2,589 |
| Cost of funding earning assets | 0.7692% | 2,871 |
| Net interest margin | 3.8740% | 2,352 |
| Noninterest income to average assets | 0.9264% | 1,090 |
| Noninterest expense to average assets | 2.4823% | 3,488 |
| Loan and lease loss provision to assets | 0.1286% | 1,506 |
| Net operating income to assets | 1.5377% | 1,093 |
| Return on assets (ROA) | 1.5389% | 1,142 |
| Pretax return on assets | 1.9131% | 836 |
| Return on Equity (ROE) | 12.9420% | 1,296 |
| Retained earnings to average equity (ytd only) | 10.3466% | 666 |
| Net charge-offs to loans | 0.0802% | 1,679 |
| Credit loss provision to net charge-offs | 195.4652% | 1,341 |
| Earnings coverage of net charge-offs (x) | 31.0149% | 1,591 |
| Efficiency ratio | 54.5656% | 4,330 |
| Assets per employee ($millions) | 5.5368% | 1,995 |
| Cash dividends to net income (ytd only)* | 20.0541% | 3,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5536% | 1,111 |
| Loan loss allowance to noncurrent loans | 290.7196% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 2,511 |
| Noncurrent loans to loans | 0.5344% | 2,687 |
| Net loans and leases to total assets | 79.1596% | 966 |
| Net loans and leases to deposits | 90.5799% | 1,623 |
| Net loans and leases to core deposits | 97.4145% | 1,860 |
| Total domestic deposits to total assets | 87.3920% | 1,317 |
| Equity capital to assets | 12.1898% | 2,119 |
| Core capital (leverage) ratio | 11.5223% | 2,199 |
| Tier 1 risk-based capital ratio | 13.7509% | 3,450 |
| Total risk-based capital ratio | 15.0042% | 3,356 |
| Memoranda: | ||
| Average total assets | $2,592,249,000 | 347 |
| Average earning assets | $2,406,305,750 | 344 |
| Average equity | $308,229,000 | 341 |
| Average total loans | $2,127,488,250 | 314 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 2,576 |
| Cost of funding earning assets | 0.7485% | 2,901 |
| Net interest margin | 3.8829% | 2,293 |
| Noninterest income to average assets | 0.8947% | 1,082 |
| Noninterest expense to average assets | 2.4871% | 3,521 |
| Loan and lease loss provision to assets | 0.1397% | 1,328 |
| Net operating income to assets | 1.5115% | 1,115 |
| Return on assets (ROA) | 1.5129% | 1,162 |
| Pretax return on assets | 1.8792% | 871 |
| Return on Equity (ROE) | 12.8339% | 1,293 |
| Retained earnings to average equity (ytd only) | 10.8594% | 569 |
| Net charge-offs to loans | 0.1159% | 1,274 |
| Credit loss provision to net charge-offs | 145.8671% | 1,524 |
| Earnings coverage of net charge-offs (x) | 21.0689% | 1,744 |
| Efficiency ratio | 54.8928% | 4,372 |
| Assets per employee ($millions) | 5.4761% | 1,989 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 1,258 |
| Loan loss allowance to noncurrent loans | 266.9949% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 2,381 |
| Noncurrent loans to loans | 0.5642% | 2,570 |
| Net loans and leases to total assets | 81.4605% | 678 |
| Net loans and leases to deposits | 93.0710% | 1,364 |
| Net loans and leases to core deposits | 99.8141% | 1,741 |
| Total domestic deposits to total assets | 87.5251% | 1,330 |
| Equity capital to assets | 12.1065% | 2,113 |
| Core capital (leverage) ratio | 11.3936% | 2,250 |
| Tier 1 risk-based capital ratio | 13.3667% | 3,647 |
| Total risk-based capital ratio | 14.6195% | 3,548 |
| Memoranda: | ||
| Average total assets | $2,577,824,670 | 350 |
| Average earning assets | $2,396,285,330 | 347 |
| Average equity | $303,883,670 | 345 |
| Average total loans | $2,130,253,670 | 314 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5898% | 2,565 |
| Cost of funding earning assets | 0.7279% | 2,900 |
| Net interest margin | 3.8619% | 2,306 |
| Noninterest income to average assets | 0.8793% | 1,084 |
| Noninterest expense to average assets | 2.5041% | 3,496 |
| Loan and lease loss provision to assets | 0.1400% | 1,228 |
| Net operating income to assets | 1.4701% | 1,182 |
| Return on assets (ROA) | 1.4717% | 1,200 |
| Pretax return on assets | 1.8279% | 925 |
| Return on Equity (ROE) | 12.6567% | 1,336 |
| Retained earnings to average equity (ytd only) | 8.6438% | 1,434 |
| Net charge-offs to loans | 0.2544% | 569 |
| Credit loss provision to net charge-offs | 66.6173% | 1,880 |
| Earnings coverage of net charge-offs (x) | 9.3553% | 2,037 |
| Efficiency ratio | 55.6928% | 4,370 |
| Assets per employee ($millions) | 5.5526% | 1,938 |
| Cash dividends to net income (ytd only)* | 31.7058% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 1,460 |
| Loan loss allowance to noncurrent loans | 339.6587% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4274% | 2,875 |
| Noncurrent loans to loans | 0.4309% | 3,036 |
| Net loans and leases to total assets | 80.4516% | 783 |
| Net loans and leases to deposits | 91.4093% | 1,469 |
| Net loans and leases to core deposits | 97.5540% | 1,812 |
| Total domestic deposits to total assets | 88.0125% | 1,333 |
| Equity capital to assets | 11.5779% | 2,325 |
| Core capital (leverage) ratio | 11.1832% | 2,403 |
| Tier 1 risk-based capital ratio | 13.3546% | 3,689 |
| Total risk-based capital ratio | 14.6073% | 3,597 |
| Memoranda: | ||
| Average total assets | $2,571,638,500 | 357 |
| Average earning assets | $2,391,034,500 | 349 |
| Average equity | $299,035,000 | 348 |
| Average total loans | $2,124,252,000 | 318 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3629% | 2,889 |
| Cost of funding earning assets | 0.5511% | 3,044 |
| Net interest margin | 3.8118% | 2,625 |
| Noninterest income to average assets | 0.9506% | 1,059 |
| Noninterest expense to average assets | 2.4462% | 3,752 |
| Loan and lease loss provision to assets | 0.2017% | 935 |
| Net operating income to assets | 1.4940% | 1,138 |
| Return on assets (ROA) | 1.4941% | 1,122 |
| Pretax return on assets | 1.8470% | 816 |
| Return on Equity (ROE) | 13.4865% | 1,177 |
| Retained earnings to average equity (ytd only) | 11.7387% | 340 |
| Net charge-offs to loans | 0.0659% | 2,178 |
| Credit loss provision to net charge-offs | 369.5492% | 867 |
| Earnings coverage of net charge-offs (x) | 37.5373% | 1,376 |
| Efficiency ratio | 54.0846% | 4,612 |
| Assets per employee ($millions) | 5.4249% | 2,035 |
| Cash dividends to net income (ytd only)* | 12.9593% | 3,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5002% | 1,288 |
| Loan loss allowance to noncurrent loans | 288.0781% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.5208% | 2,510 |
| Noncurrent loans to loans | 0.5208% | 2,714 |
| Net loans and leases to total assets | 82.3384% | 611 |
| Net loans and leases to deposits | 93.6438% | 1,318 |
| Net loans and leases to core deposits | 99.1730% | 1,780 |
| Total domestic deposits to total assets | 87.9273% | 1,329 |
| Equity capital to assets | 11.6803% | 2,111 |
| Core capital (leverage) ratio | 11.2027% | 2,352 |
| Tier 1 risk-based capital ratio | 13.0638% | 3,811 |
| Total risk-based capital ratio | 14.3168% | 3,696 |
| Memoranda: | ||
| Average total assets | $2,479,097,600 | 361 |
| Average earning assets | $2,305,065,600 | 354 |
| Average equity | $274,637,800 | 361 |
| Average total loans | $2,052,504,600 | 323 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 2,990 |
| Cost of funding earning assets | 0.5192% | 3,068 |
| Net interest margin | 3.7741% | 2,737 |
| Noninterest income to average assets | 0.9069% | 1,178 |
| Noninterest expense to average assets | 2.4438% | 3,750 |
| Loan and lease loss provision to assets | 0.2270% | 721 |
| Net operating income to assets | 1.4161% | 1,429 |
| Return on assets (ROA) | 1.4161% | 1,432 |
| Pretax return on assets | 1.7469% | 1,155 |
| Return on Equity (ROE) | 12.9630% | 1,446 |
| Retained earnings to average equity (ytd only) | 10.5881% | 748 |
| Net charge-offs to loans | 0.1804% | 927 |
| Credit loss provision to net charge-offs | 152.3395% | 1,680 |
| Earnings coverage of net charge-offs (x) | 13.2470% | 2,380 |
| Efficiency ratio | 54.9732% | 4,510 |
| Assets per employee ($millions) | 5.4504% | 1,963 |
| Cash dividends to net income (ytd only)* | 18.3206% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 1,692 |
| Loan loss allowance to noncurrent loans | 233.5260% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6019% | 2,378 |
| Noncurrent loans to loans | 0.6001% | 2,581 |
| Net loans and leases to total assets | 81.8976% | 732 |
| Net loans and leases to deposits | 92.6275% | 1,547 |
| Net loans and leases to core deposits | 97.9004% | 1,942 |
| Total domestic deposits to total assets | 88.4161% | 1,081 |
| Equity capital to assets | 11.1908% | 2,485 |
| Core capital (leverage) ratio | 10.7659% | 2,826 |
| Tier 1 risk-based capital ratio | 12.6328% | 4,136 |
| Total risk-based capital ratio | 13.8846% | 4,024 |
| Memoranda: | ||
| Average total assets | $2,466,867,250 | 362 |
| Average earning assets | $2,294,832,750 | 354 |
| Average equity | $269,477,500 | 364 |
| Average total loans | $2,037,322,250 | 323 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 3,101 |
| Cost of funding earning assets | 0.4925% | 3,059 |
| Net interest margin | 3.7099% | 2,886 |
| Noninterest income to average assets | 0.9150% | 1,142 |
| Noninterest expense to average assets | 2.4791% | 3,685 |
| Loan and lease loss provision to assets | 0.2455% | 628 |
| Net operating income to assets | 1.3353% | 1,648 |
| Return on assets (ROA) | 1.3352% | 1,656 |
| Pretax return on assets | 1.6426% | 1,366 |
| Return on Equity (ROE) | 12.3273% | 1,611 |
| Retained earnings to average equity (ytd only) | 10.5144% | 789 |
| Net charge-offs to loans | 0.2443% | 648 |
| Credit loss provision to net charge-offs | 121.9017% | 1,784 |
| Earnings coverage of net charge-offs (x) | 9.3767% | 2,401 |
| Efficiency ratio | 56.4141% | 4,429 |
| Assets per employee ($millions) | 5.2752% | 2,128 |
| Cash dividends to net income (ytd only)* | 14.7068% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 1,739 |
| Loan loss allowance to noncurrent loans | 192.8706% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 2,095 |
| Noncurrent loans to loans | 0.7262% | 2,297 |
| Net loans and leases to total assets | 81.3693% | 798 |
| Net loans and leases to deposits | 91.9860% | 1,581 |
| Net loans and leases to core deposits | 99.8225% | 1,752 |
| Total domestic deposits to total assets | 88.4584% | 1,163 |
| Equity capital to assets | 11.1856% | 2,470 |
| Core capital (leverage) ratio | 10.8141% | 2,682 |
| Tier 1 risk-based capital ratio | 12.6410% | 4,103 |
| Total risk-based capital ratio | 13.8928% | 4,001 |
| Memoranda: | ||
| Average total assets | $2,444,340,330 | 362 |
| Average earning assets | $2,274,546,330 | 356 |
| Average equity | $264,761,670 | 367 |
| Average total loans | $2,014,713,000 | 323 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1462% | 3,070 |
| Cost of funding earning assets | 0.4841% | 2,917 |
| Net interest margin | 3.6621% | 2,949 |
| Noninterest income to average assets | 0.8904% | 1,172 |
| Noninterest expense to average assets | 2.5046% | 3,628 |
| Loan and lease loss provision to assets | 0.2470% | 607 |
| Net operating income to assets | 1.2546% | 1,792 |
| Return on assets (ROA) | 1.2544% | 1,804 |
| Pretax return on assets | 1.5477% | 1,537 |
| Return on Equity (ROE) | 11.7771% | 1,657 |
| Retained earnings to average equity (ytd only) | 8.0673% | 1,809 |
| Net charge-offs to loans | 0.3302% | 465 |
| Credit loss provision to net charge-offs | 90.7990% | 1,670 |
| Earnings coverage of net charge-offs (x) | 6.5987% | 2,148 |
| Efficiency ratio | 57.8945% | 4,353 |
| Assets per employee ($millions) | 5.0976% | 2,370 |
| Cash dividends to net income (ytd only)* | 31.5002% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 1,882 |
| Loan loss allowance to noncurrent loans | 218.1022% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.6826% | 2,282 |
| Noncurrent loans to loans | 0.6371% | 2,631 |
| Net loans and leases to total assets | 81.7788% | 686 |
| Net loans and leases to deposits | 92.0660% | 1,448 |
| Net loans and leases to core deposits | 100.4881% | 1,651 |
| Total domestic deposits to total assets | 88.8262% | 1,194 |
| Equity capital to assets | 10.7707% | 2,803 |
| Core capital (leverage) ratio | 10.1274% | 3,390 |
| Tier 1 risk-based capital ratio | 12.0593% | 4,518 |
| Total risk-based capital ratio | 13.3110% | 4,403 |
| Memoranda: | ||
| Average total assets | $2,429,487,500 | 365 |
| Average earning assets | $2,261,517,500 | 360 |
| Average equity | $258,774,000 | 378 |
| Average total loans | $2,001,215,000 | 327 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0300% | 3,306 |
| Cost of funding earning assets | 0.4325% | 2,936 |
| Net interest margin | 3.5975% | 3,176 |
| Noninterest income to average assets | 0.9152% | 1,228 |
| Noninterest expense to average assets | 2.3953% | 4,091 |
| Loan and lease loss provision to assets | 0.1372% | 1,668 |
| Net operating income to assets | 1.0369% | 2,104 |
| Return on assets (ROA) | 1.0369% | 2,133 |
| Pretax return on assets | 1.7194% | 963 |
| Return on Equity (ROE) | 9.9389% | 1,910 |
| Retained earnings to average equity (ytd only) | 7.9967% | 765 |
| Net charge-offs to loans | 0.1368% | 1,698 |
| Credit loss provision to net charge-offs | 121.5862% | 2,149 |
| Earnings coverage of net charge-offs (x) | 16.4534% | 2,179 |
| Efficiency ratio | 55.9486% | 4,772 |
| Assets per employee ($millions) | 5.1864% | 2,264 |
| Cash dividends to net income (ytd only)* | 19.5416% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 1,739 |
| Loan loss allowance to noncurrent loans | 172.6629% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 2,267 |
| Noncurrent loans to loans | 0.8147% | 2,173 |
| Net loans and leases to total assets | 80.6654% | 878 |
| Net loans and leases to deposits | 90.4863% | 1,715 |
| Net loans and leases to core deposits | 95.5945% | 2,067 |
| Total domestic deposits to total assets | 89.1466% | 932 |
| Equity capital to assets | 10.5329% | 3,132 |
| Core capital (leverage) ratio | 9.9995% | 3,457 |
| Tier 1 risk-based capital ratio | 11.9881% | 4,537 |
| Total risk-based capital ratio | 13.2399% | 4,417 |
| Memoranda: | ||
| Average total assets | $2,368,861,800 | 359 |
| Average earning assets | $2,197,094,600 | 352 |
| Average equity | $247,138,800 | 380 |
| Average total loans | $1,953,335,600 | 318 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,347 |
| Cost of funding earning assets | 0.4170% | 3,019 |
| Net interest margin | 3.5854% | 3,209 |
| Noninterest income to average assets | 0.8561% | 1,407 |
| Noninterest expense to average assets | 2.4061% | 4,002 |
| Loan and lease loss provision to assets | 0.1502% | 1,390 |
| Net operating income to assets | 1.1097% | 2,045 |
| Return on assets (ROA) | 1.1097% | 2,103 |
| Pretax return on assets | 1.6227% | 1,344 |
| Return on Equity (ROE) | 10.6632% | 1,837 |
| Retained earnings to average equity (ytd only) | 8.0482% | 1,203 |
| Net charge-offs to loans | 0.1351% | 1,444 |
| Credit loss provision to net charge-offs | 134.5861% | 1,830 |
| Earnings coverage of net charge-offs (x) | 15.8817% | 2,202 |
| Efficiency ratio | 57.1754% | 4,594 |
| Assets per employee ($millions) | 5.1764% | 2,253 |
| Cash dividends to net income (ytd only)* | 24.5236% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 1,772 |
| Loan loss allowance to noncurrent loans | 181.0764% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.7289% | 2,322 |
| Noncurrent loans to loans | 0.7908% | 2,380 |
| Net loans and leases to total assets | 80.0222% | 983 |
| Net loans and leases to deposits | 89.6695% | 1,846 |
| Net loans and leases to core deposits | 97.0709% | 1,973 |
| Total domestic deposits to total assets | 89.2412% | 766 |
| Equity capital to assets | 10.4278% | 3,444 |
| Core capital (leverage) ratio | 10.0307% | 3,535 |
| Tier 1 risk-based capital ratio | 11.9802% | 4,639 |
| Total risk-based capital ratio | 13.2324% | 4,515 |
| Memoranda: | ||
| Average total assets | $2,351,673,500 | 359 |
| Average earning assets | $2,179,524,750 | 354 |
| Average equity | $244,735,750 | 382 |
| Average total loans | $1,943,077,500 | 322 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 3,317 |
| Cost of funding earning assets | 0.3984% | 3,094 |
| Net interest margin | 3.5721% | 3,140 |
| Noninterest income to average assets | 0.8402% | 1,439 |
| Noninterest expense to average assets | 2.4272% | 3,973 |
| Loan and lease loss provision to assets | 0.1460% | 1,395 |
| Net operating income to assets | 1.0843% | 2,066 |
| Return on assets (ROA) | 1.0843% | 2,110 |
| Pretax return on assets | 1.5755% | 1,415 |
| Return on Equity (ROE) | 10.4259% | 1,872 |
| Retained earnings to average equity (ytd only) | 8.4433% | 1,014 |
| Net charge-offs to loans | 0.0287% | 2,637 |
| Credit loss provision to net charge-offs | 611.5108% | 558 |
| Earnings coverage of net charge-offs (x) | 72.0827% | 825 |
| Efficiency ratio | 58.0862% | 4,578 |
| Assets per employee ($millions) | 5.1077% | 2,267 |
| Cash dividends to net income (ytd only)* | 19.0159% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 1,683 |
| Loan loss allowance to noncurrent loans | 211.7755% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.6841% | 2,504 |
| Noncurrent loans to loans | 0.6945% | 2,672 |
| Net loans and leases to total assets | 82.0472% | 659 |
| Net loans and leases to deposits | 92.0072% | 1,493 |
| Net loans and leases to core deposits | 99.5817% | 1,679 |
| Total domestic deposits to total assets | 89.1748% | 873 |
| Equity capital to assets | 10.5180% | 3,314 |
| Core capital (leverage) ratio | 10.0111% | 3,525 |
| Tier 1 risk-based capital ratio | 11.7632% | 4,789 |
| Total risk-based capital ratio | 13.0158% | 4,680 |
| Memoranda: | ||
| Average total assets | $2,328,048,330 | 365 |
| Average earning assets | $2,156,289,000 | 359 |
| Average equity | $242,108,330 | 386 |
| Average total loans | $1,935,191,000 | 324 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9406% | 3,239 |
| Cost of funding earning assets | 0.3863% | 3,128 |
| Net interest margin | 3.5543% | 3,064 |
| Noninterest income to average assets | 0.8408% | 1,430 |
| Noninterest expense to average assets | 2.4064% | 4,092 |
| Loan and lease loss provision to assets | 0.1557% | 1,166 |
| Net operating income to assets | 1.0918% | 1,905 |
| Return on assets (ROA) | 1.0918% | 1,948 |
| Pretax return on assets | 1.5718% | 1,308 |
| Return on Equity (ROE) | 10.5595% | 1,709 |
| Retained earnings to average equity (ytd only) | 6.5439% | 2,055 |
| Net charge-offs to loans | 0.0398% | 2,020 |
| Credit loss provision to net charge-offs | 471.2042% | 591 |
| Earnings coverage of net charge-offs (x) | 52.2827% | 875 |
| Efficiency ratio | 57.7586% | 4,744 |
| Assets per employee ($millions) | 5.1229% | 2,275 |
| Cash dividends to net income (ytd only)* | 38.0288% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 1,798 |
| Loan loss allowance to noncurrent loans | 294.8227% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 3,239 |
| Noncurrent loans to loans | 0.4986% | 3,309 |
| Net loans and leases to total assets | 81.0543% | 684 |
| Net loans and leases to deposits | 90.8089% | 1,447 |
| Net loans and leases to core deposits | 97.3929% | 1,714 |
| Total domestic deposits to total assets | 89.2580% | 1,023 |
| Equity capital to assets | 10.3523% | 3,347 |
| Core capital (leverage) ratio | 9.8720% | 3,660 |
| Tier 1 risk-based capital ratio | 11.7695% | 4,871 |
| Total risk-based capital ratio | 13.0223% | 4,776 |
| Memoranda: | ||
| Average total assets | $2,312,203,500 | 367 |
| Average earning assets | $2,142,294,000 | 360 |
| Average equity | $239,063,500 | 387 |
| Average total loans | $1,920,286,500 | 326 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 3,473 |
| Cost of funding earning assets | 0.3870% | 3,134 |
| Net interest margin | 3.5397% | 3,287 |
| Noninterest income to average assets | 0.9116% | 1,370 |
| Noninterest expense to average assets | 2.4222% | 4,235 |
| Loan and lease loss provision to assets | 0.1589% | 1,559 |
| Net operating income to assets | 1.1032% | 1,894 |
| Return on assets (ROA) | 1.1032% | 1,980 |
| Pretax return on assets | 1.6030% | 1,269 |
| Return on Equity (ROE) | 10.9558% | 1,593 |
| Retained earnings to average equity (ytd only) | 9.2020% | 542 |
| Net charge-offs to loans | 0.1203% | 2,054 |
| Credit loss provision to net charge-offs | 161.2903% | 1,715 |
| Earnings coverage of net charge-offs (x) | 17.8808% | 2,010 |
| Efficiency ratio | 57.4312% | 4,912 |
| Assets per employee ($millions) | 5.0406% | 2,345 |
| Cash dividends to net income (ytd only)* | 16.0077% | 3,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 1,967 |
| Loan loss allowance to noncurrent loans | 347.0447% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 3,674 |
| Noncurrent loans to loans | 0.4117% | 3,670 |
| Net loans and leases to total assets | 82.6513% | 519 |
| Net loans and leases to deposits | 92.4719% | 1,377 |
| Net loans and leases to core deposits | 98.1819% | 1,756 |
| Total domestic deposits to total assets | 89.3799% | 907 |
| Equity capital to assets | 10.3259% | 3,355 |
| Core capital (leverage) ratio | 9.7311% | 3,820 |
| Tier 1 risk-based capital ratio | 11.5274% | 5,039 |
| Total risk-based capital ratio | 12.7796% | 4,938 |
| Memoranda: | ||
| Average total assets | $2,265,093,200 | 363 |
| Average earning assets | $2,094,208,800 | 359 |
| Average equity | $228,080,000 | 388 |
| Average total loans | $1,855,093,000 | 323 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8936% | 3,607 |
| Cost of funding earning assets | 0.3854% | 3,170 |
| Net interest margin | 3.5082% | 3,438 |
| Noninterest income to average assets | 0.9264% | 1,326 |
| Noninterest expense to average assets | 2.4165% | 4,232 |
| Loan and lease loss provision to assets | 0.1417% | 1,655 |
| Net operating income to assets | 1.1094% | 1,955 |
| Return on assets (ROA) | 1.1094% | 2,058 |
| Pretax return on assets | 1.6105% | 1,357 |
| Return on Equity (ROE) | 11.0892% | 1,639 |
| Retained earnings to average equity (ytd only) | 8.7283% | 899 |
| Net charge-offs to loans | 0.1142% | 1,806 |
| Credit loss provision to net charge-offs | 152.4778% | 1,750 |
| Earnings coverage of net charge-offs (x) | 18.8533% | 1,972 |
| Efficiency ratio | 57.5042% | 4,889 |
| Assets per employee ($millions) | 4.9659% | 2,403 |
| Cash dividends to net income (ytd only)* | 21.2902% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 2,103 |
| Loan loss allowance to noncurrent loans | 315.6433% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 3,761 |
| Noncurrent loans to loans | 0.4501% | 3,662 |
| Net loans and leases to total assets | 82.0030% | 619 |
| Net loans and leases to deposits | 91.6808% | 1,539 |
| Net loans and leases to core deposits | 97.5317% | 1,858 |
| Total domestic deposits to total assets | 89.4440% | 704 |
| Equity capital to assets | 10.2373% | 3,871 |
| Core capital (leverage) ratio | 9.5833% | 4,079 |
| Tier 1 risk-based capital ratio | 11.5377% | 5,065 |
| Total risk-based capital ratio | 12.7901% | 4,976 |
| Memoranda: | ||
| Average total assets | $2,258,000,000 | 364 |
| Average earning assets | $2,086,877,500 | 357 |
| Average equity | $225,895,000 | 390 |
| Average total loans | $1,838,101,750 | 323 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8605% | 3,739 |
| Cost of funding earning assets | 0.3830% | 3,231 |
| Net interest margin | 3.4775% | 3,575 |
| Noninterest income to average assets | 0.9247% | 1,299 |
| Noninterest expense to average assets | 2.4014% | 4,331 |
| Loan and lease loss provision to assets | 0.1333% | 1,718 |
| Net operating income to assets | 1.1113% | 1,921 |
| Return on assets (ROA) | 1.1113% | 2,039 |
| Pretax return on assets | 1.6034% | 1,367 |
| Return on Equity (ROE) | 11.1964% | 1,575 |
| Retained earnings to average equity (ytd only) | 9.4059% | 742 |
| Net charge-offs to loans | 0.1174% | 1,660 |
| Credit loss provision to net charge-offs | 140.4494% | 1,679 |
| Earnings coverage of net charge-offs (x) | 18.3006% | 1,834 |
| Efficiency ratio | 57.5594% | 4,964 |
| Assets per employee ($millions) | 4.9555% | 2,352 |
| Cash dividends to net income (ytd only)* | 15.9910% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 2,118 |
| Loan loss allowance to noncurrent loans | 309.1428% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 3,797 |
| Noncurrent loans to loans | 0.4651% | 3,700 |
| Net loans and leases to total assets | 79.6469% | 963 |
| Net loans and leases to deposits | 88.8320% | 1,885 |
| Net loans and leases to core deposits | 94.4225% | 2,120 |
| Total domestic deposits to total assets | 89.6601% | 610 |
| Equity capital to assets | 10.0545% | 4,156 |
| Core capital (leverage) ratio | 9.4121% | 4,320 |
| Tier 1 risk-based capital ratio | 11.6751% | 5,042 |
| Total risk-based capital ratio | 12.9278% | 4,943 |
| Memoranda: | ||
| Average total assets | $2,250,885,330 | 365 |
| Average earning assets | $2,079,899,670 | 361 |
| Average equity | $223,412,000 | 395 |
| Average total loans | $1,818,780,000 | 324 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 3,751 |
| Cost of funding earning assets | 0.3787% | 3,311 |
| Net interest margin | 3.4761% | 3,568 |
| Noninterest income to average assets | 0.9611% | 1,160 |
| Noninterest expense to average assets | 2.4101% | 4,335 |
| Loan and lease loss provision to assets | 0.1074% | 1,914 |
| Net operating income to assets | 1.1593% | 1,677 |
| Return on assets (ROA) | 1.1593% | 1,792 |
| Pretax return on assets | 1.6614% | 1,152 |
| Return on Equity (ROE) | 11.7582% | 1,385 |
| Retained earnings to average equity (ytd only) | 8.1263% | 1,402 |
| Net charge-offs to loans | 0.0454% | 2,109 |
| Credit loss provision to net charge-offs | 292.6829% | 868 |
| Earnings coverage of net charge-offs (x) | 48.1902% | 903 |
| Efficiency ratio | 57.1937% | 5,078 |
| Assets per employee ($millions) | 4.9520% | 2,392 |
| Cash dividends to net income (ytd only)* | 30.8880% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4434% | 2,231 |
| Loan loss allowance to noncurrent loans | 291.0508% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4450% | 3,807 |
| Noncurrent loans to loans | 0.4959% | 3,688 |
| Net loans and leases to total assets | 79.9751% | 812 |
| Net loans and leases to deposits | 89.0949% | 1,690 |
| Net loans and leases to core deposits | 94.0255% | 1,985 |
| Total domestic deposits to total assets | 89.7639% | 700 |
| Equity capital to assets | 9.8463% | 4,278 |
| Core capital (leverage) ratio | 9.2979% | 4,494 |
| Tier 1 risk-based capital ratio | 11.3616% | 5,304 |
| Total risk-based capital ratio | 12.6143% | 5,206 |
| Memoranda: | ||
| Average total assets | $2,234,086,500 | 365 |
| Average earning assets | $2,068,058,000 | 363 |
| Average equity | $220,271,500 | 399 |
| Average total loans | $1,805,139,000 | 323 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,012 |
| Cost of funding earning assets | 0.3645% | 3,538 |
| Net interest margin | 3.4458% | 3,738 |
| Noninterest income to average assets | 0.9452% | 1,326 |
| Noninterest expense to average assets | 2.5033% | 4,215 |
| Loan and lease loss provision to assets | 0.1158% | 2,063 |
| Net operating income to assets | 1.0426% | 2,160 |
| Return on assets (ROA) | 1.0487% | 2,217 |
| Pretax return on assets | 1.5168% | 1,503 |
| Return on Equity (ROE) | 10.4573% | 1,822 |
| Retained earnings to average equity (ytd only) | 8.7255% | 724 |
| Net charge-offs to loans | 0.0591% | 3,040 |
| Credit loss provision to net charge-offs | 245.3988% | 1,169 |
| Earnings coverage of net charge-offs (x) | 34.4162% | 1,314 |
| Efficiency ratio | 60.1989% | 4,882 |
| Assets per employee ($millions) | 4.8252% | 2,569 |
| Cash dividends to net income (ytd only)* | 16.5601% | 3,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 2,123 |
| Loan loss allowance to noncurrent loans | 338.1816% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 4,039 |
| Noncurrent loans to loans | 0.4353% | 3,908 |
| Net loans and leases to total assets | 79.2602% | 953 |
| Net loans and leases to deposits | 88.6700% | 1,787 |
| Net loans and leases to core deposits | 93.6423% | 2,082 |
| Total domestic deposits to total assets | 89.3879% | 916 |
| Equity capital to assets | 9.8732% | 4,110 |
| Core capital (leverage) ratio | 9.1897% | 4,630 |
| Tier 1 risk-based capital ratio | 11.5358% | 5,227 |
| Total risk-based capital ratio | 12.7889% | 5,134 |
| Memoranda: | ||
| Average total assets | $2,072,982,400 | 371 |
| Average earning assets | $1,914,189,800 | 368 |
| Average equity | $207,883,800 | 403 |
| Average total loans | $1,655,810,400 | 332 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7717% | 4,182 |
| Cost of funding earning assets | 0.3575% | 3,674 |
| Net interest margin | 3.4142% | 3,894 |
| Noninterest income to average assets | 0.9552% | 1,302 |
| Noninterest expense to average assets | 2.5208% | 4,131 |
| Loan and lease loss provision to assets | 0.1176% | 1,933 |
| Net operating income to assets | 1.0145% | 2,396 |
| Return on assets (ROA) | 1.0228% | 2,454 |
| Pretax return on assets | 1.4786% | 1,740 |
| Return on Equity (ROE) | 10.1568% | 2,045 |
| Retained earnings to average equity (ytd only) | 7.8203% | 1,323 |
| Net charge-offs to loans | 0.0326% | 3,268 |
| Credit loss provision to net charge-offs | 452.2613% | 697 |
| Earnings coverage of net charge-offs (x) | 60.9024% | 913 |
| Efficiency ratio | 60.9661% | 4,737 |
| Assets per employee ($millions) | 4.8595% | 2,472 |
| Cash dividends to net income (ytd only)* | 23.0047% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 2,291 |
| Loan loss allowance to noncurrent loans | 300.4491% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 4,137 |
| Noncurrent loans to loans | 0.4888% | 3,886 |
| Net loans and leases to total assets | 79.7022% | 858 |
| Net loans and leases to deposits | 89.4105% | 1,721 |
| Net loans and leases to core deposits | 94.5749% | 2,029 |
| Total domestic deposits to total assets | 89.1418% | 952 |
| Equity capital to assets | 9.6494% | 4,577 |
| Core capital (leverage) ratio | 9.2476% | 4,665 |
| Tier 1 risk-based capital ratio | 11.0556% | 5,631 |
| Total risk-based capital ratio | 12.3084% | 5,523 |
| Memoranda: | ||
| Average total assets | $2,039,949,750 | 380 |
| Average earning assets | $1,881,972,250 | 373 |
| Average equity | $205,426,000 | 411 |
| Average total loans | $1,626,291,000 | 338 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7343% | 4,300 |
| Cost of funding earning assets | 0.3510% | 3,797 |
| Net interest margin | 3.3833% | 3,957 |
| Noninterest income to average assets | 0.9644% | 1,262 |
| Noninterest expense to average assets | 2.5568% | 4,054 |
| Loan and lease loss provision to assets | 0.1207% | 1,833 |
| Net operating income to assets | 0.9864% | 2,465 |
| Return on assets (ROA) | 0.9885% | 2,560 |
| Pretax return on assets | 1.4070% | 1,956 |
| Return on Equity (ROE) | 9.6678% | 2,223 |
| Retained earnings to average equity (ytd only) | 7.8966% | 1,310 |
| Net charge-offs to loans | 0.0547% | 2,630 |
| Credit loss provision to net charge-offs | 278.4223% | 974 |
| Earnings coverage of net charge-offs (x) | 35.1578% | 1,226 |
| Efficiency ratio | 62.2187% | 4,646 |
| Assets per employee ($millions) | 4.5471% | 2,906 |
| Cash dividends to net income (ytd only)* | 18.3206% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 2,010 |
| Loan loss allowance to noncurrent loans | 316.2484% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 4,160 |
| Noncurrent loans to loans | 0.4965% | 3,982 |
| Net loans and leases to total assets | 80.8610% | 689 |
| Net loans and leases to deposits | 90.6301% | 1,521 |
| Net loans and leases to core deposits | 95.2917% | 1,857 |
| Total domestic deposits to total assets | 89.2209% | 1,040 |
| Equity capital to assets | 10.4906% | 3,445 |
| Core capital (leverage) ratio | 10.1357% | 3,421 |
| Tier 1 risk-based capital ratio | 12.6973% | 4,683 |
| Total risk-based capital ratio | 13.9518% | 4,605 |
| Memoranda: | ||
| Average total assets | $1,987,761,000 | 384 |
| Average earning assets | $1,831,336,000 | 381 |
| Average equity | $203,251,330 | 417 |
| Average total loans | $1,576,134,000 | 344 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,326 |
| Cost of funding earning assets | 0.3452% | 3,926 |
| Net interest margin | 3.3647% | 3,970 |
| Noninterest income to average assets | 0.9366% | 1,278 |
| Noninterest expense to average assets | 2.5445% | 4,120 |
| Loan and lease loss provision to assets | 0.1203% | 1,722 |
| Net operating income to assets | 0.9623% | 2,434 |
| Return on assets (ROA) | 0.9620% | 2,571 |
| Pretax return on assets | 1.3617% | 2,034 |
| Return on Equity (ROE) | 9.5310% | 2,205 |
| Retained earnings to average equity (ytd only) | 5.9554% | 2,531 |
| Net charge-offs to loans | 0.1174% | 1,574 |
| Credit loss provision to net charge-offs | 131.5789% | 1,361 |
| Earnings coverage of net charge-offs (x) | 16.2127% | 1,585 |
| Efficiency ratio | 62.7595% | 4,661 |
| Assets per employee ($millions) | 4.5986% | 2,904 |
| Cash dividends to net income (ytd only)* | 37.5156% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 2,113 |
| Loan loss allowance to noncurrent loans | 301.5543% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 4,191 |
| Noncurrent loans to loans | 0.5248% | 3,994 |
| Net loans and leases to total assets | 77.1961% | 1,030 |
| Net loans and leases to deposits | 86.7522% | 1,746 |
| Net loans and leases to core deposits | 90.5107% | 2,085 |
| Total domestic deposits to total assets | 88.9846% | 1,282 |
| Equity capital to assets | 10.1615% | 3,926 |
| Core capital (leverage) ratio | 9.9821% | 3,624 |
| Tier 1 risk-based capital ratio | 12.6913% | 4,791 |
| Total risk-based capital ratio | 13.9458% | 4,708 |
| Memoranda: | ||
| Average total assets | $1,994,925,500 | 382 |
| Average earning assets | $1,832,196,500 | 379 |
| Average equity | $201,365,000 | 418 |
| Average total loans | $1,553,604,000 | 342 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 4,597 |
| Cost of funding earning assets | 0.3508% | 4,243 |
| Net interest margin | 3.4146% | 4,136 |
| Noninterest income to average assets | 0.9863% | 1,247 |
| Noninterest expense to average assets | 2.5376% | 4,429 |
| Loan and lease loss provision to assets | 0.1243% | 2,106 |
| Net operating income to assets | 1.0249% | 2,284 |
| Return on assets (ROA) | 1.0255% | 2,354 |
| Pretax return on assets | 1.4761% | 1,633 |
| Return on Equity (ROE) | 10.4121% | 1,950 |
| Retained earnings to average equity (ytd only) | 8.5182% | 823 |
| Net charge-offs to loans | 0.0927% | 3,168 |
| Credit loss provision to net charge-offs | 174.9271% | 1,388 |
| Earnings coverage of net charge-offs (x) | 22.5022% | 1,624 |
| Efficiency ratio | 60.9042% | 5,088 |
| Assets per employee ($millions) | 4.4706% | 3,084 |
| Cash dividends to net income (ytd only)* | 18.1892% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6051% | 2,069 |
| Loan loss allowance to noncurrent loans | 316.5256% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 4,361 |
| Noncurrent loans to loans | 0.5071% | 4,145 |
| Net loans and leases to total assets | 76.0740% | 1,254 |
| Net loans and leases to deposits | 85.2749% | 2,066 |
| Net loans and leases to core deposits | 88.7889% | 2,408 |
| Total domestic deposits to total assets | 89.2103% | 1,115 |
| Equity capital to assets | 10.0258% | 4,075 |
| Core capital (leverage) ratio | 9.8537% | 3,769 |
| Tier 1 risk-based capital ratio | 13.3313% | 4,526 |
| Total risk-based capital ratio | 14.5870% | 4,448 |
| Memoranda: | ||
| Average total assets | $1,930,068,600 | 380 |
| Average earning assets | $1,781,011,400 | 375 |
| Average equity | $190,086,600 | 421 |
| Average total loans | $1,479,468,800 | 336 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7746% | 4,640 |
| Cost of funding earning assets | 0.3515% | 4,328 |
| Net interest margin | 3.4232% | 4,134 |
| Noninterest income to average assets | 0.9787% | 1,285 |
| Noninterest expense to average assets | 2.5591% | 4,322 |
| Loan and lease loss provision to assets | 0.1253% | 1,996 |
| Net operating income to assets | 1.0155% | 2,384 |
| Return on assets (ROA) | 1.0163% | 2,437 |
| Pretax return on assets | 1.4612% | 1,773 |
| Return on Equity (ROE) | 10.3671% | 2,045 |
| Retained earnings to average equity (ytd only) | 7.8104% | 1,442 |
| Net charge-offs to loans | 0.0776% | 3,090 |
| Credit loss provision to net charge-offs | 211.0199% | 1,221 |
| Earnings coverage of net charge-offs (x) | 26.6988% | 1,478 |
| Efficiency ratio | 61.3112% | 4,987 |
| Assets per employee ($millions) | 4.3760% | 3,167 |
| Cash dividends to net income (ytd only)* | 24.6609% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 2,168 |
| Loan loss allowance to noncurrent loans | 272.2917% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 4,433 |
| Noncurrent loans to loans | 0.6021% | 4,127 |
| Net loans and leases to total assets | 75.9815% | 1,225 |
| Net loans and leases to deposits | 85.1895% | 2,006 |
| Net loans and leases to core deposits | 88.7646% | 2,343 |
| Total domestic deposits to total assets | 89.1911% | 1,132 |
| Equity capital to assets | 9.9979% | 4,168 |
| Core capital (leverage) ratio | 9.7061% | 4,069 |
| Tier 1 risk-based capital ratio | 13.2644% | 4,686 |
| Total risk-based capital ratio | 14.5205% | 4,625 |
| Memoranda: | ||
| Average total assets | $1,915,226,000 | 381 |
| Average earning assets | $1,771,250,250 | 372 |
| Average equity | $187,743,750 | 421 |
| Average total loans | $1,464,802,250 | 334 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 4,581 |
| Cost of funding earning assets | 0.3507% | 4,431 |
| Net interest margin | 3.4329% | 4,050 |
| Noninterest income to average assets | 0.9729% | 1,276 |
| Noninterest expense to average assets | 2.5646% | 4,369 |
| Loan and lease loss provision to assets | 0.1259% | 1,959 |
| Net operating income to assets | 1.0232% | 2,233 |
| Return on assets (ROA) | 1.0232% | 2,299 |
| Pretax return on assets | 1.4564% | 1,689 |
| Return on Equity (ROE) | 10.5090% | 1,936 |
| Retained earnings to average equity (ytd only) | 8.5691% | 1,124 |
| Net charge-offs to loans | 0.0876% | 2,816 |
| Credit loss provision to net charge-offs | 188.6792% | 1,222 |
| Earnings coverage of net charge-offs (x) | 23.7091% | 1,458 |
| Efficiency ratio | 61.4059% | 5,091 |
| Assets per employee ($millions) | 4.3270% | 3,218 |
| Cash dividends to net income (ytd only)* | 18.4596% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 2,411 |
| Loan loss allowance to noncurrent loans | 327.5419% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4066% | 4,794 |
| Noncurrent loans to loans | 0.4928% | 4,516 |
| Net loans and leases to total assets | 77.3752% | 996 |
| Net loans and leases to deposits | 86.7241% | 1,745 |
| Net loans and leases to core deposits | 90.4677% | 2,079 |
| Total domestic deposits to total assets | 89.2200% | 1,236 |
| Equity capital to assets | 10.0204% | 4,080 |
| Core capital (leverage) ratio | 9.7620% | 3,943 |
| Tier 1 risk-based capital ratio | 12.8866% | 4,985 |
| Total risk-based capital ratio | 14.1422% | 4,918 |
| Memoranda: | ||
| Average total assets | $1,905,982,330 | 377 |
| Average earning assets | $1,762,169,670 | 369 |
| Average equity | $185,573,670 | 423 |
| Average total loans | $1,452,771,670 | 328 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7413% | 4,702 |
| Cost of funding earning assets | 0.3512% | 4,530 |
| Net interest margin | 3.3901% | 4,168 |
| Noninterest income to average assets | 0.9569% | 1,239 |
| Noninterest expense to average assets | 2.5591% | 4,416 |
| Loan and lease loss provision to assets | 0.1260% | 1,926 |
| Net operating income to assets | 0.9901% | 2,244 |
| Return on assets (ROA) | 0.9901% | 2,303 |
| Pretax return on assets | 1.4038% | 1,730 |
| Return on Equity (ROE) | 10.3198% | 1,930 |
| Retained earnings to average equity (ytd only) | 6.3801% | 2,338 |
| Net charge-offs to loans | 0.0596% | 2,560 |
| Credit loss provision to net charge-offs | 281.6901% | 829 |
| Earnings coverage of net charge-offs (x) | 34.2019% | 968 |
| Efficiency ratio | 62.1456% | 5,099 |
| Assets per employee ($millions) | 4.3160% | 3,312 |
| Cash dividends to net income (ytd only)* | 38.1760% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6539% | 2,498 |
| Loan loss allowance to noncurrent loans | 332.7061% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 4,915 |
| Noncurrent loans to loans | 0.4971% | 4,670 |
| Net loans and leases to total assets | 75.1310% | 1,109 |
| Net loans and leases to deposits | 83.5019% | 1,876 |
| Net loans and leases to core deposits | 87.0228% | 2,190 |
| Total domestic deposits to total assets | 89.9752% | 1,086 |
| Equity capital to assets | 9.7155% | 4,208 |
| Core capital (leverage) ratio | 9.5371% | 4,227 |
| Tier 1 risk-based capital ratio | 12.9797% | 5,015 |
| Total risk-based capital ratio | 14.2359% | 4,944 |
| Memoranda: | ||
| Average total assets | $1,904,867,500 | 381 |
| Average earning assets | $1,759,832,000 | 373 |
| Average equity | $182,755,000 | 425 |
| Average total loans | $1,428,803,500 | 331 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7217% | 5,062 |
| Cost of funding earning assets | 0.3903% | 4,754 |
| Net interest margin | 3.3314% | 4,545 |
| Noninterest income to average assets | 1.0176% | 1,354 |
| Noninterest expense to average assets | 2.4943% | 4,781 |
| Loan and lease loss provision to assets | 0.1030% | 3,079 |
| Net operating income to assets | 1.0248% | 2,227 |
| Return on assets (ROA) | 1.0248% | 2,287 |
| Pretax return on assets | 1.4849% | 1,495 |
| Return on Equity (ROE) | 11.3981% | 1,636 |
| Retained earnings to average equity (ytd only) | 9.3617% | 691 |
| Net charge-offs to loans | 0.2576% | 2,423 |
| Credit loss provision to net charge-offs | 55.2147% | 3,697 |
| Earnings coverage of net charge-offs (x) | 8.5129% | 2,657 |
| Efficiency ratio | 60.6176% | 5,398 |
| Assets per employee ($millions) | 4.3229% | 3,227 |
| Cash dividends to net income (ytd only)* | 17.8661% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 2,444 |
| Loan loss allowance to noncurrent loans | 307.1660% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4476% | 4,898 |
| Noncurrent loans to loans | 0.5488% | 4,618 |
| Net loans and leases to total assets | 72.3827% | 1,616 |
| Net loans and leases to deposits | 80.6137% | 2,371 |
| Net loans and leases to core deposits | 83.9289% | 2,682 |
| Total domestic deposits to total assets | 89.7895% | 1,185 |
| Equity capital to assets | 9.4729% | 4,463 |
| Core capital (leverage) ratio | 9.2439% | 4,648 |
| Tier 1 risk-based capital ratio | 13.0263% | 4,951 |
| Total risk-based capital ratio | 14.2825% | 4,899 |
| Memoranda: | ||
| Average total assets | $1,747,676,000 | 396 |
| Average earning assets | $1,607,685,400 | 389 |
| Average equity | $157,140,200 | 477 |
| Average total loans | $1,265,436,200 | 354 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7654% | 4,982 |
| Cost of funding earning assets | 0.4023% | 4,801 |
| Net interest margin | 3.3631% | 4,420 |
| Noninterest income to average assets | 1.0236% | 1,389 |
| Noninterest expense to average assets | 2.5268% | 4,635 |
| Loan and lease loss provision to assets | 0.0937% | 3,204 |
| Net operating income to assets | 1.0320% | 2,250 |
| Return on assets (ROA) | 1.0320% | 2,332 |
| Pretax return on assets | 1.4940% | 1,631 |
| Return on Equity (ROE) | 11.6516% | 1,596 |
| Retained earnings to average equity (ytd only) | 8.8312% | 1,107 |
| Net charge-offs to loans | 0.3103% | 1,988 |
| Credit loss provision to net charge-offs | 41.8848% | 3,668 |
| Earnings coverage of net charge-offs (x) | 7.0991% | 2,847 |
| Efficiency ratio | 60.9205% | 5,294 |
| Assets per employee ($millions) | 4.3595% | 3,121 |
| Cash dividends to net income (ytd only)* | 24.2057% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 2,549 |
| Loan loss allowance to noncurrent loans | 279.0868% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 5,029 |
| Noncurrent loans to loans | 0.6173% | 4,660 |
| Net loans and leases to total assets | 72.7438% | 1,495 |
| Net loans and leases to deposits | 81.1397% | 2,249 |
| Net loans and leases to core deposits | 84.3601% | 2,610 |
| Total domestic deposits to total assets | 89.6526% | 1,195 |
| Equity capital to assets | 8.9458% | 5,248 |
| Core capital (leverage) ratio | 8.8255% | 5,371 |
| Tier 1 risk-based capital ratio | 12.0883% | 5,729 |
| Total risk-based capital ratio | 13.3448% | 5,657 |
| Memoranda: | ||
| Average total assets | $1,707,997,500 | 407 |
| Average earning assets | $1,569,804,250 | 404 |
| Average equity | $151,277,750 | 491 |
| Average total loans | $1,230,906,000 | 364 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7772% | 4,902 |
| Cost of funding earning assets | 0.4117% | 4,845 |
| Net interest margin | 3.3655% | 4,322 |
| Noninterest income to average assets | 1.0230% | 1,458 |
| Noninterest expense to average assets | 2.5488% | 4,568 |
| Loan and lease loss provision to assets | 0.0706% | 3,623 |
| Net operating income to assets | 1.0416% | 2,144 |
| Return on assets (ROA) | 1.0416% | 2,268 |
| Pretax return on assets | 1.4966% | 1,625 |
| Return on Equity (ROE) | 11.8001% | 1,554 |
| Retained earnings to average equity (ytd only) | 9.6663% | 924 |
| Net charge-offs to loans | 0.4761% | 1,390 |
| Credit loss provision to net charge-offs | 20.7756% | 3,718 |
| Earnings coverage of net charge-offs (x) | 4.6098% | 3,088 |
| Efficiency ratio | 61.4300% | 5,256 |
| Assets per employee ($millions) | 4.3117% | 3,157 |
| Cash dividends to net income (ytd only)* | 18.0832% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 2,625 |
| Loan loss allowance to noncurrent loans | 221.8405% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.5980% | 4,757 |
| Noncurrent loans to loans | 0.7840% | 4,345 |
| Net loans and leases to total assets | 72.2482% | 1,530 |
| Net loans and leases to deposits | 81.2229% | 2,155 |
| Net loans and leases to core deposits | 84.5586% | 2,485 |
| Total domestic deposits to total assets | 88.9505% | 1,658 |
| Equity capital to assets | 9.0480% | 5,170 |
| Core capital (leverage) ratio | 8.8577% | 5,215 |
| Tier 1 risk-based capital ratio | 12.2208% | 5,665 |
| Total risk-based capital ratio | 13.4762% | 5,608 |
| Memoranda: | ||
| Average total assets | $1,698,970,670 | 407 |
| Average earning assets | $1,561,410,670 | 403 |
| Average equity | $149,964,670 | 497 |
| Average total loans | $1,213,112,000 | 364 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 4,800 |
| Cost of funding earning assets | 0.4289% | 4,817 |
| Net interest margin | 3.3794% | 4,197 |
| Noninterest income to average assets | 1.0067% | 1,443 |
| Noninterest expense to average assets | 2.5356% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0918% | 1,891 |
| Return on assets (ROA) | 1.0918% | 1,998 |
| Pretax return on assets | 1.5698% | 1,379 |
| Return on Equity (ROE) | 12.5233% | 1,287 |
| Retained earnings to average equity (ytd only) | 8.2244% | 1,675 |
| Net charge-offs to loans | 0.0899% | 2,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 24.8222% | 1,066 |
| Efficiency ratio | 61.2712% | 5,411 |
| Assets per employee ($millions) | 4.3620% | 3,219 |
| Cash dividends to net income (ytd only)* | 34.3274% | 1,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9569% | 2,151 |
| Loan loss allowance to noncurrent loans | 202.4182% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 4,589 |
| Noncurrent loans to loans | 0.9668% | 4,201 |
| Net loans and leases to total assets | 69.9903% | 1,658 |
| Net loans and leases to deposits | 78.6551% | 2,255 |
| Net loans and leases to core deposits | 81.9976% | 2,570 |
| Total domestic deposits to total assets | 88.9838% | 1,696 |
| Equity capital to assets | 8.9271% | 5,575 |
| Core capital (leverage) ratio | 8.6185% | 5,431 |
| Tier 1 risk-based capital ratio | 12.3419% | 5,684 |
| Total risk-based capital ratio | 13.5959% | 5,637 |
| Memoranda: | ||
| Average total assets | $1,707,683,500 | 410 |
| Average earning assets | $1,565,818,500 | 407 |
| Average equity | $148,874,000 | 504 |
| Average total loans | $1,201,473,500 | 369 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 4,701 |
| Cost of funding earning assets | 0.5187% | 5,081 |
| Net interest margin | 3.6492% | 3,880 |
| Noninterest income to average assets | 1.0896% | 1,304 |
| Noninterest expense to average assets | 2.4826% | 5,156 |
| Loan and lease loss provision to assets | 0.3278% | 2,074 |
| Net operating income to assets | 1.1263% | 1,850 |
| Return on assets (ROA) | 1.1263% | 2,019 |
| Pretax return on assets | 1.6390% | 1,285 |
| Return on Equity (ROE) | 12.2163% | 1,440 |
| Retained earnings to average equity (ytd only) | 9.9406% | 606 |
| Net charge-offs to loans | 0.1182% | 4,509 |
| Credit loss provision to net charge-offs | 374.5318% | 655 |
| Earnings coverage of net charge-offs (x) | 22.4689% | 1,259 |
| Efficiency ratio | 55.6772% | 6,093 |
| Assets per employee ($millions) | 4.7313% | 2,598 |
| Cash dividends to net income (ytd only)* | 18.6285% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9809% | 2,069 |
| Loan loss allowance to noncurrent loans | 234.5096% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 4,846 |
| Noncurrent loans to loans | 0.8447% | 4,499 |
| Net loans and leases to total assets | 67.9812% | 2,183 |
| Net loans and leases to deposits | 76.1493% | 2,779 |
| Net loans and leases to core deposits | 79.1276% | 3,130 |
| Total domestic deposits to total assets | 89.2736% | 1,393 |
| Equity capital to assets | 8.5145% | 6,039 |
| Core capital (leverage) ratio | 9.1044% | 4,735 |
| Tier 1 risk-based capital ratio | 12.2252% | 5,643 |
| Total risk-based capital ratio | 13.4801% | 5,599 |
| Memoranda: | ||
| Average total assets | $1,525,109,400 | 446 |
| Average earning assets | $1,404,182,200 | 436 |
| Average equity | $140,615,600 | 519 |
| Average total loans | $1,129,655,800 | 386 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2943% | 4,472 |
| Cost of funding earning assets | 0.5516% | 5,074 |
| Net interest margin | 3.7427% | 3,592 |
| Noninterest income to average assets | 1.1231% | 1,191 |
| Noninterest expense to average assets | 2.5449% | 4,940 |
| Loan and lease loss provision to assets | 0.3258% | 2,015 |
| Net operating income to assets | 1.1781% | 1,807 |
| Return on assets (ROA) | 1.1781% | 2,000 |
| Pretax return on assets | 1.7088% | 1,244 |
| Return on Equity (ROE) | 12.4971% | 1,462 |
| Retained earnings to average equity (ytd only) | 9.4256% | 1,087 |
| Net charge-offs to loans | 0.1367% | 4,024 |
| Credit loss provision to net charge-offs | 315.7895% | 845 |
| Earnings coverage of net charge-offs (x) | 19.7228% | 1,481 |
| Efficiency ratio | 55.4526% | 6,111 |
| Assets per employee ($millions) | 4.1482% | 3,580 |
| Cash dividends to net income (ytd only)* | 24.5776% | 2,879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0192% | 2,113 |
| Loan loss allowance to noncurrent loans | 231.8415% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 4,842 |
| Noncurrent loans to loans | 0.8710% | 4,679 |
| Net loans and leases to total assets | 72.7831% | 1,424 |
| Net loans and leases to deposits | 83.1391% | 1,981 |
| Net loans and leases to core deposits | 87.0628% | 2,337 |
| Total domestic deposits to total assets | 87.5438% | 2,321 |
| Equity capital to assets | 9.5645% | 5,119 |
| Core capital (leverage) ratio | 9.4274% | 4,377 |
| Tier 1 risk-based capital ratio | 13.0157% | 5,231 |
| Total risk-based capital ratio | 14.2711% | 5,192 |
| Memoranda: | ||
| Average total assets | $1,473,473,250 | 453 |
| Average earning assets | $1,360,746,750 | 443 |
| Average equity | $138,909,000 | 523 |
| Average total loans | $1,111,822,000 | 389 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3160% | 4,501 |
| Cost of funding earning assets | 0.5694% | 5,153 |
| Net interest margin | 3.7466% | 3,607 |
| Noninterest income to average assets | 1.1241% | 1,132 |
| Noninterest expense to average assets | 2.5395% | 5,000 |
| Loan and lease loss provision to assets | 0.3282% | 2,007 |
| Net operating income to assets | 1.1875% | 1,759 |
| Return on assets (ROA) | 1.1875% | 1,956 |
| Pretax return on assets | 1.7183% | 1,213 |
| Return on Equity (ROE) | 12.6599% | 1,454 |
| Retained earnings to average equity (ytd only) | 10.3276% | 884 |
| Net charge-offs to loans | 0.1363% | 3,841 |
| Credit loss provision to net charge-offs | 317.4603% | 931 |
| Earnings coverage of net charge-offs (x) | 19.7976% | 1,416 |
| Efficiency ratio | 55.2534% | 6,196 |
| Assets per employee ($millions) | 4.0593% | 3,747 |
| Cash dividends to net income (ytd only)* | 18.4226% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9511% | 2,368 |
| Loan loss allowance to noncurrent loans | 224.5951% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.7683% | 4,872 |
| Noncurrent loans to loans | 0.8687% | 4,763 |
| Net loans and leases to total assets | 74.2437% | 1,212 |
| Net loans and leases to deposits | 84.8233% | 1,739 |
| Net loans and leases to core deposits | 89.0832% | 2,088 |
| Total domestic deposits to total assets | 87.5275% | 2,448 |
| Equity capital to assets | 9.5573% | 4,969 |
| Core capital (leverage) ratio | 9.3529% | 4,367 |
| Tier 1 risk-based capital ratio | 13.0030% | 5,188 |
| Total risk-based capital ratio | 14.2578% | 5,155 |
| Memoranda: | ||
| Average total assets | $1,462,702,670 | 458 |
| Average earning assets | $1,351,572,330 | 448 |
| Average equity | $137,205,000 | 523 |
| Average total loans | $1,109,581,670 | 390 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 4,545 |
| Cost of funding earning assets | 0.5819% | 5,275 |
| Net interest margin | 3.7613% | 3,557 |
| Noninterest income to average assets | 1.1278% | 1,112 |
| Noninterest expense to average assets | 2.5667% | 4,936 |
| Loan and lease loss provision to assets | 0.3294% | 1,903 |
| Net operating income to assets | 1.1819% | 1,793 |
| Return on assets (ROA) | 1.1819% | 1,973 |
| Pretax return on assets | 1.7059% | 1,284 |
| Return on Equity (ROE) | 12.7215% | 1,484 |
| Retained earnings to average equity (ytd only) | 7.9945% | 1,981 |
| Net charge-offs to loans | 0.2632% | 2,615 |
| Credit loss provision to net charge-offs | 164.8352% | 1,544 |
| Earnings coverage of net charge-offs (x) | 10.1854% | 1,775 |
| Efficiency ratio | 55.6543% | 6,159 |
| Assets per employee ($millions) | 4.1781% | 3,625 |
| Cash dividends to net income (ytd only)* | 37.1575% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8795% | 2,741 |
| Loan loss allowance to noncurrent loans | 270.0315% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 5,531 |
| Noncurrent loans to loans | 0.6960% | 5,277 |
| Net loans and leases to total assets | 72.4998% | 1,317 |
| Net loans and leases to deposits | 82.5789% | 1,850 |
| Net loans and leases to core deposits | 86.4777% | 2,234 |
| Total domestic deposits to total assets | 87.7946% | 2,465 |
| Equity capital to assets | 9.2086% | 5,222 |
| Core capital (leverage) ratio | 9.2781% | 4,399 |
| Tier 1 risk-based capital ratio | 12.8603% | 5,314 |
| Total risk-based capital ratio | 14.1134% | 5,295 |
| Memoranda: | ||
| Average total assets | $1,457,292,500 | 458 |
| Average earning assets | $1,346,037,000 | 449 |
| Average equity | $135,393,000 | 528 |
| Average total loans | $1,106,488,500 | 390 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 4,926 |
| Cost of funding earning assets | 0.6808% | 5,656 |
| Net interest margin | 3.8574% | 3,529 |
| Noninterest income to average assets | 1.1500% | 989 |
| Noninterest expense to average assets | 2.5908% | 5,131 |
| Loan and lease loss provision to assets | 0.3901% | 2,653 |
| Net operating income to assets | 1.1684% | 1,611 |
| Return on assets (ROA) | 1.1684% | 1,716 |
| Pretax return on assets | 1.7244% | 942 |
| Return on Equity (ROE) | 12.7071% | 1,230 |
| Retained earnings to average equity (ytd only) | 10.5137% | 473 |
| Net charge-offs to loans | 0.2367% | 4,295 |
| Credit loss provision to net charge-offs | 207.9322% | 1,186 |
| Earnings coverage of net charge-offs (x) | 11.2711% | 1,738 |
| Efficiency ratio | 54.9251% | 6,433 |
| Assets per employee ($millions) | 4.0896% | 3,668 |
| Cash dividends to net income (ytd only)* | 17.2612% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8017% | 2,865 |
| Loan loss allowance to noncurrent loans | 256.0886% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 5,533 |
| Noncurrent loans to loans | 0.7036% | 5,290 |
| Net loans and leases to total assets | 76.6347% | 874 |
| Net loans and leases to deposits | 88.1540% | 1,361 |
| Net loans and leases to core deposits | 92.2870% | 1,860 |
| Total domestic deposits to total assets | 86.9328% | 2,804 |
| Equity capital to assets | 9.3758% | 5,052 |
| Core capital (leverage) ratio | 9.1101% | 4,600 |
| Tier 1 risk-based capital ratio | 12.6412% | 5,337 |
| Total risk-based capital ratio | 13.8934% | 5,324 |
| Memoranda: | ||
| Average total assets | $1,384,333,600 | 477 |
| Average earning assets | $1,275,882,600 | 468 |
| Average equity | $127,291,000 | 544 |
| Average total loans | $1,096,971,200 | 385 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 5,137 |
| Cost of funding earning assets | 0.7003% | 5,760 |
| Net interest margin | 3.8368% | 3,685 |
| Noninterest income to average assets | 1.1897% | 931 |
| Noninterest expense to average assets | 2.5735% | 5,181 |
| Loan and lease loss provision to assets | 0.3611% | 2,699 |
| Net operating income to assets | 1.2108% | 1,624 |
| Return on assets (ROA) | 1.2108% | 1,731 |
| Pretax return on assets | 1.7915% | 971 |
| Return on Equity (ROE) | 13.5396% | 1,150 |
| Retained earnings to average equity (ytd only) | 10.6232% | 698 |
| Net charge-offs to loans | 0.1441% | 4,625 |
| Credit loss provision to net charge-offs | 314.4105% | 899 |
| Earnings coverage of net charge-offs (x) | 18.7432% | 1,290 |
| Efficiency ratio | 54.3041% | 6,451 |
| Assets per employee ($millions) | 4.1462% | 3,550 |
| Cash dividends to net income (ytd only)* | 21.5392% | 2,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 2,864 |
| Loan loss allowance to noncurrent loans | 281.4075% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5310% | 5,768 |
| Noncurrent loans to loans | 0.6469% | 5,593 |
| Net loans and leases to total assets | 75.6850% | 1,022 |
| Net loans and leases to deposits | 86.9135% | 1,568 |
| Net loans and leases to core deposits | 91.0334% | 2,116 |
| Total domestic deposits to total assets | 87.0808% | 2,603 |
| Equity capital to assets | 8.9541% | 5,801 |
| Core capital (leverage) ratio | 8.9564% | 5,003 |
| Tier 1 risk-based capital ratio | 12.1421% | 5,786 |
| Total risk-based capital ratio | 13.3946% | 5,776 |
| Memoranda: | ||
| Average total assets | $1,329,272,250 | 500 |
| Average earning assets | $1,225,207,500 | 489 |
| Average equity | $118,868,500 | 586 |
| Average total loans | $1,059,760,500 | 402 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 5,081 |
| Cost of funding earning assets | 0.7179% | 5,848 |
| Net interest margin | 3.8564% | 3,504 |
| Noninterest income to average assets | 1.2072% | 873 |
| Noninterest expense to average assets | 2.6052% | 5,159 |
| Loan and lease loss provision to assets | 0.3662% | 2,601 |
| Net operating income to assets | 1.2056% | 1,551 |
| Return on assets (ROA) | 1.2056% | 1,638 |
| Pretax return on assets | 1.7843% | 909 |
| Return on Equity (ROE) | 13.4877% | 1,092 |
| Retained earnings to average equity (ytd only) | 11.4392% | 600 |
| Net charge-offs to loans | 0.1720% | 4,145 |
| Credit loss provision to net charge-offs | 264.0264% | 1,152 |
| Earnings coverage of net charge-offs (x) | 15.5050% | 1,402 |
| Efficiency ratio | 54.6233% | 6,558 |
| Assets per employee ($millions) | 3.9482% | 3,869 |
| Cash dividends to net income (ytd only)* | 15.1880% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7343% | 3,209 |
| Loan loss allowance to noncurrent loans | 248.2193% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 5,739 |
| Noncurrent loans to loans | 0.6987% | 5,511 |
| Net loans and leases to total assets | 79.1208% | 632 |
| Net loans and leases to deposits | 91.2488% | 1,134 |
| Net loans and leases to core deposits | 95.6427% | 1,719 |
| Total domestic deposits to total assets | 86.7088% | 2,918 |
| Equity capital to assets | 9.1431% | 5,370 |
| Core capital (leverage) ratio | 8.9288% | 4,835 |
| Tier 1 risk-based capital ratio | 11.7237% | 5,992 |
| Total risk-based capital ratio | 12.9755% | 5,995 |
| Memoranda: | ||
| Average total assets | $1,310,757,330 | 508 |
| Average earning assets | $1,206,096,000 | 501 |
| Average equity | $117,158,670 | 597 |
| Average total loans | $1,057,169,670 | 411 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 5,186 |
| Cost of funding earning assets | 0.7313% | 5,969 |
| Net interest margin | 3.8143% | 3,544 |
| Noninterest income to average assets | 1.1947% | 899 |
| Noninterest expense to average assets | 2.6487% | 5,047 |
| Loan and lease loss provision to assets | 0.3679% | 2,359 |
| Net operating income to assets | 1.1459% | 1,679 |
| Return on assets (ROA) | 1.1459% | 1,727 |
| Pretax return on assets | 1.6925% | 994 |
| Return on Equity (ROE) | 12.9711% | 1,205 |
| Retained earnings to average equity (ytd only) | 8.8070% | 1,448 |
| Net charge-offs to loans | 0.2567% | 3,045 |
| Credit loss provision to net charge-offs | 177.5148% | 1,650 |
| Earnings coverage of net charge-offs (x) | 9.9423% | 1,674 |
| Efficiency ratio | 56.0575% | 6,499 |
| Assets per employee ($millions) | 3.9960% | 3,844 |
| Cash dividends to net income (ytd only)* | 32.1027% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 3,469 |
| Loan loss allowance to noncurrent loans | 194.4994% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6944% | 5,554 |
| Noncurrent loans to loans | 0.8556% | 5,334 |
| Net loans and leases to total assets | 78.4334% | 685 |
| Net loans and leases to deposits | 90.6527% | 1,164 |
| Net loans and leases to core deposits | 95.0886% | 1,760 |
| Total domestic deposits to total assets | 86.5207% | 3,225 |
| Equity capital to assets | 8.8369% | 5,433 |
| Core capital (leverage) ratio | 8.7919% | 4,945 |
| Tier 1 risk-based capital ratio | 11.4274% | 6,156 |
| Total risk-based capital ratio | 12.6784% | 6,142 |
| Memoranda: | ||
| Average total assets | $1,304,805,500 | 514 |
| Average earning assets | $1,202,199,500 | 505 |
| Average equity | $115,272,000 | 599 |
| Average total loans | $1,053,269,500 | 415 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 6,009 |
| Cost of funding earning assets | 0.8642% | 6,324 |
| Net interest margin | 3.7691% | 4,068 |
| Noninterest income to average assets | 1.2881% | 886 |
| Noninterest expense to average assets | 2.7215% | 4,890 |
| Loan and lease loss provision to assets | 0.3887% | 3,781 |
| Net operating income to assets | 1.1094% | 1,680 |
| Return on assets (ROA) | 1.1079% | 1,757 |
| Pretax return on assets | 1.6439% | 1,046 |
| Return on Equity (ROE) | 12.6093% | 1,192 |
| Retained earnings to average equity (ytd only) | 10.3975% | 450 |
| Net charge-offs to loans | 0.1591% | 5,392 |
| Credit loss provision to net charge-offs | 307.4952% | 862 |
| Earnings coverage of net charge-offs (x) | 16.0987% | 1,237 |
| Efficiency ratio | 57.0200% | 6,456 |
| Assets per employee ($millions) | 3.8081% | 4,236 |
| Cash dividends to net income (ytd only)* | 17.5413% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6098% | 3,535 |
| Loan loss allowance to noncurrent loans | 176.9567% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 5,505 |
| Noncurrent loans to loans | 0.9097% | 5,237 |
| Net loans and leases to total assets | 80.3894% | 616 |
| Net loans and leases to deposits | 92.9994% | 1,143 |
| Net loans and leases to core deposits | 97.7895% | 1,816 |
| Total domestic deposits to total assets | 86.4407% | 3,111 |
| Equity capital to assets | 8.8319% | 5,389 |
| Core capital (leverage) ratio | 8.4924% | 5,384 |
| Tier 1 risk-based capital ratio | 11.2310% | 6,153 |
| Total risk-based capital ratio | 12.4812% | 6,140 |
| Memoranda: | ||
| Average total assets | $1,234,962,400 | 543 |
| Average earning assets | $1,136,377,000 | 534 |
| Average equity | $108,506,800 | 621 |
| Average total loans | $980,915,200 | 454 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6157% | 6,292 |
| Cost of funding earning assets | 0.8826% | 6,463 |
| Net interest margin | 3.7331% | 4,254 |
| Noninterest income to average assets | 1.2860% | 833 |
| Noninterest expense to average assets | 2.6972% | 4,891 |
| Loan and lease loss provision to assets | 0.2621% | 4,485 |
| Net operating income to assets | 1.1847% | 1,637 |
| Return on assets (ROA) | 1.1833% | 1,731 |
| Pretax return on assets | 1.7559% | 1,003 |
| Return on Equity (ROE) | 13.4861% | 1,143 |
| Retained earnings to average equity (ytd only) | 10.4991% | 687 |
| Net charge-offs to loans | 0.1288% | 5,259 |
| Credit loss provision to net charge-offs | 258.0645% | 1,281 |
| Earnings coverage of net charge-offs (x) | 19.8914% | 1,188 |
| Efficiency ratio | 56.9759% | 6,416 |
| Assets per employee ($millions) | 3.9059% | 4,025 |
| Cash dividends to net income (ytd only)* | 22.1484% | 2,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,958 |
| Loan loss allowance to noncurrent loans | 199.9211% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6007% | 5,936 |
| Noncurrent loans to loans | 0.7506% | 5,702 |
| Net loans and leases to total assets | 78.1688% | 1,018 |
| Net loans and leases to deposits | 89.9069% | 1,736 |
| Net loans and leases to core deposits | 94.6865% | 2,425 |
| Total domestic deposits to total assets | 86.9442% | 2,564 |
| Equity capital to assets | 8.7503% | 5,935 |
| Core capital (leverage) ratio | 8.5914% | 5,360 |
| Tier 1 risk-based capital ratio | 11.3501% | 6,052 |
| Total risk-based capital ratio | 12.5991% | 6,049 |
| Memoranda: | ||
| Average total assets | $1,220,969,750 | 545 |
| Average earning assets | $1,122,266,000 | 536 |
| Average equity | $107,130,000 | 621 |
| Average total loans | $962,456,000 | 465 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6077% | 6,436 |
| Cost of funding earning assets | 0.9003% | 6,577 |
| Net interest margin | 3.7074% | 4,330 |
| Noninterest income to average assets | 1.2820% | 779 |
| Noninterest expense to average assets | 2.7276% | 4,801 |
| Loan and lease loss provision to assets | 0.2495% | 4,426 |
| Net operating income to assets | 1.1525% | 1,693 |
| Return on assets (ROA) | 1.1502% | 1,758 |
| Pretax return on assets | 1.7053% | 1,045 |
| Return on Equity (ROE) | 13.0964% | 1,215 |
| Retained earnings to average equity (ytd only) | 10.8234% | 684 |
| Net charge-offs to loans | 0.0905% | 5,232 |
| Credit loss provision to net charge-offs | 350.4673% | 1,042 |
| Earnings coverage of net charge-offs (x) | 27.5047% | 973 |
| Efficiency ratio | 58.0020% | 6,375 |
| Assets per employee ($millions) | 3.6886% | 4,500 |
| Cash dividends to net income (ytd only)* | 17.3561% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,782 |
| Loan loss allowance to noncurrent loans | 188.3520% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 5,860 |
| Noncurrent loans to loans | 0.8111% | 5,653 |
| Net loans and leases to total assets | 77.4920% | 1,196 |
| Net loans and leases to deposits | 88.4953% | 2,093 |
| Net loans and leases to core deposits | 93.3706% | 2,808 |
| Total domestic deposits to total assets | 87.5662% | 2,223 |
| Equity capital to assets | 8.8260% | 5,718 |
| Core capital (leverage) ratio | 8.7207% | 5,045 |
| Tier 1 risk-based capital ratio | 11.5259% | 5,748 |
| Total risk-based capital ratio | 12.7750% | 5,721 |
| Memoranda: | ||
| Average total assets | $1,202,216,670 | 554 |
| Average earning assets | $1,103,842,330 | 545 |
| Average equity | $105,586,330 | 623 |
| Average total loans | $945,406,330 | 474 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 6,385 |
| Cost of funding earning assets | 0.9299% | 6,659 |
| Net interest margin | 3.7277% | 4,112 |
| Noninterest income to average assets | 1.2707% | 752 |
| Noninterest expense to average assets | 2.7908% | 4,514 |
| Loan and lease loss provision to assets | 0.2527% | 4,022 |
| Net operating income to assets | 1.1153% | 1,779 |
| Return on assets (ROA) | 1.1171% | 1,857 |
| Pretax return on assets | 1.6535% | 1,155 |
| Return on Equity (ROE) | 12.7524% | 1,312 |
| Retained earnings to average equity (ytd only) | 8.1375% | 1,655 |
| Net charge-offs to loans | 0.0411% | 5,004 |
| Credit loss provision to net charge-offs | 781.2500% | 578 |
| Earnings coverage of net charge-offs (x) | 58.8542% | 511 |
| Efficiency ratio | 59.2436% | 6,297 |
| Assets per employee ($millions) | 3.5613% | 4,907 |
| Cash dividends to net income (ytd only)* | 36.1882% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5302% | 3,749 |
| Loan loss allowance to noncurrent loans | 501.1838% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.2825% | 6,775 |
| Noncurrent loans to loans | 0.3053% | 6,712 |
| Net loans and leases to total assets | 77.1786% | 1,297 |
| Net loans and leases to deposits | 88.7431% | 2,087 |
| Net loans and leases to core deposits | 93.6983% | 2,878 |
| Total domestic deposits to total assets | 86.9686% | 2,639 |
| Equity capital to assets | 8.7620% | 5,620 |
| Core capital (leverage) ratio | 8.6421% | 5,130 |
| Tier 1 risk-based capital ratio | 11.3535% | 5,808 |
| Total risk-based capital ratio | 12.6019% | 5,781 |
| Memoranda: | ||
| Average total assets | $1,187,331,500 | 575 |
| Average earning assets | $1,090,421,000 | 568 |
| Average equity | $104,012,000 | 637 |
| Average total loans | $933,358,000 | 501 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6893% | 7,154 |
| Cost of funding earning assets | 1.1756% | 6,749 |
| Net interest margin | 3.5137% | 4,893 |
| Noninterest income to average assets | 1.3224% | 858 |
| Noninterest expense to average assets | 2.9163% | 4,480 |
| Loan and lease loss provision to assets | 0.1347% | 6,295 |
| Net operating income to assets | 1.0150% | 1,790 |
| Return on assets (ROA) | 1.0158% | 1,833 |
| Pretax return on assets | 1.5044% | 1,176 |
| Return on Equity (ROE) | 11.6447% | 1,256 |
| Retained earnings to average equity (ytd only) | 9.5863% | 419 |
| Net charge-offs to loans | 0.0950% | 6,184 |
| Credit loss provision to net charge-offs | 182.0388% | 2,265 |
| Earnings coverage of net charge-offs (x) | 22.1408% | 974 |
| Efficiency ratio | 63.8063% | 5,814 |
| Assets per employee ($millions) | 3.6589% | 4,627 |
| Cash dividends to net income (ytd only)* | 17.6772% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 3,809 |
| Loan loss allowance to noncurrent loans | 419.7984% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 6,754 |
| Noncurrent loans to loans | 0.3534% | 6,566 |
| Net loans and leases to total assets | 77.6767% | 1,450 |
| Net loans and leases to deposits | 89.4058% | 2,319 |
| Net loans and leases to core deposits | 107.3431% | 3,176 |
| Total domestic deposits to total assets | 86.8811% | 2,570 |
| Equity capital to assets | 8.7582% | 5,505 |
| Core capital (leverage) ratio | 8.5616% | 5,170 |
| Tier 1 risk-based capital ratio | 11.3577% | 5,558 |
| Total risk-based capital ratio | 12.6055% | 5,512 |
| Memoranda: | ||
| Average total assets | $1,113,843,800 | 598 |
| Average earning assets | $1,024,511,000 | 589 |
| Average equity | $97,159,800 | 679 |
| Average total loans | $867,097,400 | 543 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6773% | 7,320 |
| Cost of funding earning assets | 1.2349% | 6,780 |
| Net interest margin | 3.4424% | 5,098 |
| Noninterest income to average assets | 1.3264% | 873 |
| Noninterest expense to average assets | 2.9259% | 4,334 |
| Loan and lease loss provision to assets | 0.1214% | 6,145 |
| Net operating income to assets | 0.9757% | 2,146 |
| Return on assets (ROA) | 0.9759% | 2,199 |
| Pretax return on assets | 1.4497% | 1,563 |
| Return on Equity (ROE) | 11.2003% | 1,568 |
| Retained earnings to average equity (ytd only) | 8.4148% | 1,007 |
| Net charge-offs to loans | 0.0737% | 5,949 |
| Credit loss provision to net charge-offs | 212.3142% | 2,069 |
| Earnings coverage of net charge-offs (x) | 27.4800% | 991 |
| Efficiency ratio | 64.8369% | 5,585 |
| Assets per employee ($millions) | 3.5717% | 4,757 |
| Cash dividends to net income (ytd only)* | 24.8694% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5094% | 3,387 |
| Loan loss allowance to noncurrent loans | 434.4199% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.2939% | 6,753 |
| Noncurrent loans to loans | 0.3475% | 6,660 |
| Net loans and leases to total assets | 78.3374% | 1,511 |
| Net loans and leases to deposits | 89.7869% | 2,618 |
| Net loans and leases to core deposits | 107.0550% | 3,583 |
| Total domestic deposits to total assets | 87.2482% | 2,051 |
| Equity capital to assets | 8.7983% | 5,796 |
| Core capital (leverage) ratio | 8.5282% | 5,437 |
| Tier 1 risk-based capital ratio | 11.2742% | 5,656 |
| Total risk-based capital ratio | 12.5224% | 5,611 |
| Memoranda: | ||
| Average total assets | $1,098,681,250 | 618 |
| Average earning assets | $1,011,783,000 | 607 |
| Average equity | $95,733,500 | 689 |
| Average total loans | $852,359,750 | 561 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6313% | 7,486 |
| Cost of funding earning assets | 1.3152% | 6,750 |
| Net interest margin | 3.3161% | 5,487 |
| Noninterest income to average assets | 1.3151% | 886 |
| Noninterest expense to average assets | 2.9409% | 4,329 |
| Loan and lease loss provision to assets | 0.0736% | 6,458 |
| Net operating income to assets | 0.9078% | 2,430 |
| Return on assets (ROA) | 0.9078% | 2,529 |
| Pretax return on assets | 1.3523% | 1,865 |
| Return on Equity (ROE) | 10.4533% | 1,864 |
| Retained earnings to average equity (ytd only) | 8.3355% | 1,109 |
| Net charge-offs to loans | 0.1000% | 5,164 |
| Credit loss provision to net charge-offs | 95.6938% | 4,748 |
| Earnings coverage of net charge-offs (x) | 18.5478% | 1,406 |
| Efficiency ratio | 67.1033% | 5,341 |
| Assets per employee ($millions) | 3.2886% | 5,350 |
| Cash dividends to net income (ytd only)* | 20.2593% | 3,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,186 |
| Loan loss allowance to noncurrent loans | 477.8755% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 6,847 |
| Noncurrent loans to loans | 0.3142% | 6,724 |
| Net loans and leases to total assets | 78.6175% | 1,612 |
| Net loans and leases to deposits | 90.9344% | 2,669 |
| Net loans and leases to core deposits | 109.0153% | 3,494 |
| Total domestic deposits to total assets | 86.4552% | 2,531 |
| Equity capital to assets | 8.8601% | 5,512 |
| Core capital (leverage) ratio | 8.4462% | 5,532 |
| Tier 1 risk-based capital ratio | 11.2894% | 5,605 |
| Total risk-based capital ratio | 12.5366% | 5,513 |
| Memoranda: | ||
| Average total assets | $1,087,501,330 | 637 |
| Average earning assets | $1,000,754,330 | 624 |
| Average equity | $94,439,330 | 701 |
| Average total loans | $836,297,670 | 585 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 7,665 |
| Cost of funding earning assets | 1.4086% | 6,700 |
| Net interest margin | 3.1452% | 6,041 |
| Noninterest income to average assets | 1.3075% | 835 |
| Noninterest expense to average assets | 2.8883% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8806% | 2,787 |
| Return on assets (ROA) | 0.8806% | 2,932 |
| Pretax return on assets | 1.3163% | 2,227 |
| Return on Equity (ROE) | 10.2443% | 2,222 |
| Retained earnings to average equity (ytd only) | 5.9634% | 2,643 |
| Net charge-offs to loans | 0.0415% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 42.0824% | 813 |
| Efficiency ratio | 68.4404% | 4,882 |
| Assets per employee ($millions) | 3.2973% | 5,326 |
| Cash dividends to net income (ytd only)* | 41.7885% | 2,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 2,701 |
| Loan loss allowance to noncurrent loans | 465.5308% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,760 |
| Noncurrent loans to loans | 0.3339% | 6,594 |
| Net loans and leases to total assets | 73.9659% | 2,766 |
| Net loans and leases to deposits | 86.0481% | 3,621 |
| Net loans and leases to core deposits | 102.2128% | 4,320 |
| Total domestic deposits to total assets | 85.9588% | 2,748 |
| Equity capital to assets | 8.4912% | 6,082 |
| Core capital (leverage) ratio | 8.4246% | 5,671 |
| Tier 1 risk-based capital ratio | 10.2411% | 6,658 |
| Total risk-based capital ratio | 11.4879% | 6,588 |
| Memoranda: | ||
| Average total assets | $1,086,989,000 | 634 |
| Average earning assets | $1,001,283,000 | 625 |
| Average equity | $93,437,000 | 709 |
| Average total loans | $820,037,500 | 602 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4976% | 7,311 |
| Cost of funding earning assets | 1.8956% | 6,737 |
| Net interest margin | 3.6020% | 4,875 |
| Noninterest income to average assets | 1.6391% | 516 |
| Noninterest expense to average assets | 3.1084% | 3,665 |
| Loan and lease loss provision to assets | 0.1467% | 5,483 |
| Net operating income to assets | 1.0915% | 2,179 |
| Return on assets (ROA) | 1.0941% | 2,083 |
| Pretax return on assets | 1.6674% | 1,221 |
| Return on Equity (ROE) | 12.9007% | 1,354 |
| Retained earnings to average equity (ytd only) | 10.5949% | 377 |
| Net charge-offs to loans | -0.0126% | 7,875 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9677% | 5,783 |
| Assets per employee ($millions) | 3.1725% | 5,557 |
| Cash dividends to net income (ytd only)* | 17.8731% | 4,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6225% | 2,148 |
| Loan loss allowance to noncurrent loans | 386.6233% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 6,316 |
| Noncurrent loans to loans | 0.4196% | 6,087 |
| Net loans and leases to total assets | 74.5333% | 2,980 |
| Net loans and leases to deposits | 86.1911% | 4,092 |
| Net loans and leases to core deposits | 102.6817% | 4,532 |
| Total domestic deposits to total assets | 86.4744% | 2,180 |
| Equity capital to assets | 8.7055% | 5,801 |
| Core capital (leverage) ratio | 8.4019% | 5,759 |
| Tier 1 risk-based capital ratio | 10.7933% | 5,923 |
| Total risk-based capital ratio | 12.0411% | 5,826 |
| Memoranda: | ||
| Average total assets | $1,022,716,600 | 648 |
| Average earning assets | $931,121,400 | 642 |
| Average equity | $86,739,600 | 766 |
| Average total loans | $793,068,200 | 600 |