Home > The Bank of Castile > Performance and Condition Ratios
The Bank of Castile, Performance and Condition Ratios
| 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 | 3.2203% | 3,431 |
| Cost of funding earning assets | 0.1796% | 3,662 |
| Net interest margin | 3.0407% | 3,074 |
| Noninterest income to average assets | 0.3262% | 3,455 |
| Noninterest expense to average assets | 1.7698% | 4,196 |
| Loan and lease loss provision to assets | -0.1037% | 4,536 |
| Net operating income to assets | 1.2542% | 1,728 |
| Return on assets (ROA) | 1.2557% | 1,780 |
| Pretax return on assets | 1.6135% | 1,391 |
| Return on Equity (ROE) | 16.5695% | 662 |
| Retained earnings to average equity (ytd only) | 3.2949% | 3,497 |
| Net charge-offs to loans | 0.0008% | 2,666 |
| Credit loss provision to net charge-offs | -21,730.0000% | 4,271 |
| Earnings coverage of net charge-offs (x) | 2,822.5000% | 46 |
| Efficiency ratio | 53.9965% | 3,928 |
| Assets per employee ($millions) | 14.8037% | 207 |
| Cash dividends to net income (ytd only)* | 80.1149% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 4,152 |
| Loan loss allowance to noncurrent loans | 170.8288% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 1,817 |
| Noncurrent loans to loans | 0.5050% | 1,857 |
| Net loans and leases to total assets | 67.6897% | 1,304 |
| Net loans and leases to deposits | 75.6288% | 1,594 |
| Net loans and leases to core deposits | 77.2956% | 1,819 |
| Total domestic deposits to total assets | 89.5025% | 1,234 |
| Equity capital to assets | 7.5382% | 4,579 |
| Core capital (leverage) ratio | 7.8570% | 4,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2224% | 2,832 |
| Memoranda: | ||
| Average total assets | $1,871,919,400 | 570 |
| Average earning assets | $1,816,923,600 | 544 |
| Average equity | $141,857,400 | 749 |
| Average total loans | $1,279,192,800 | 528 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2140% | 3,581 |
| Cost of funding earning assets | 0.1949% | 3,660 |
| Net interest margin | 3.0191% | 3,261 |
| Noninterest income to average assets | 0.3201% | 3,514 |
| Noninterest expense to average assets | 1.7409% | 4,269 |
| Loan and lease loss provision to assets | -0.1047% | 4,616 |
| Net operating income to assets | 1.2534% | 1,975 |
| Return on assets (ROA) | 1.2555% | 2,036 |
| Pretax return on assets | 1.6144% | 1,652 |
| Return on Equity (ROE) | 16.5451% | 841 |
| Retained earnings to average equity (ytd only) | 5.3672% | 3,079 |
| Net charge-offs to loans | -0.0011% | 3,134 |
| Credit loss provision to net charge-offs | 14,827.2727% | 51 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5987% | 3,860 |
| Assets per employee ($millions) | 15.2179% | 201 |
| Cash dividends to net income (ytd only)* | 67.5604% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 4,077 |
| Loan loss allowance to noncurrent loans | 45.3756% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 1.3239% | 426 |
| Noncurrent loans to loans | 2.0439% | 424 |
| Net loans and leases to total assets | 63.8333% | 1,791 |
| Net loans and leases to deposits | 70.8315% | 2,161 |
| Net loans and leases to core deposits | 72.7095% | 2,351 |
| Total domestic deposits to total assets | 90.1199% | 720 |
| Equity capital to assets | 7.3951% | 4,734 |
| Core capital (leverage) ratio | 7.9357% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5529% | 2,842 |
| Memoranda: | ||
| Average total assets | $1,873,582,500 | 575 |
| Average earning assets | $1,816,944,000 | 546 |
| Average equity | $142,169,750 | 765 |
| Average total loans | $1,280,596,000 | 539 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2197% | 3,633 |
| Cost of funding earning assets | 0.2062% | 3,687 |
| Net interest margin | 3.0135% | 3,284 |
| Noninterest income to average assets | 0.3207% | 3,505 |
| Noninterest expense to average assets | 1.7150% | 4,342 |
| Loan and lease loss provision to assets | -0.1216% | 4,664 |
| Net operating income to assets | 1.2847% | 1,906 |
| Return on assets (ROA) | 1.2845% | 1,984 |
| Pretax return on assets | 1.6498% | 1,617 |
| Return on Equity (ROE) | 16.7800% | 817 |
| Retained earnings to average equity (ytd only) | 4.5420% | 3,346 |
| Net charge-offs to loans | -0.0023% | 3,225 |
| Credit loss provision to net charge-offs | 8,440.0000% | 73 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8772% | 3,943 |
| Assets per employee ($millions) | 14.8678% | 199 |
| Cash dividends to net income (ytd only)* | 72.9319% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,007 |
| Loan loss allowance to noncurrent loans | 67.0643% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 817 |
| Noncurrent loans to loans | 1.4126% | 826 |
| Net loans and leases to total assets | 65.4810% | 1,755 |
| Net loans and leases to deposits | 73.3244% | 2,066 |
| Net loans and leases to core deposits | 75.9257% | 2,244 |
| Total domestic deposits to total assets | 89.3031% | 1,138 |
| Equity capital to assets | 7.5012% | 4,741 |
| Core capital (leverage) ratio | 7.9720% | 4,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7606% | 2,787 |
| Memoranda: | ||
| Average total assets | $1,853,884,333 | 570 |
| Average earning assets | $1,797,992,333 | 547 |
| Average equity | $141,918,667 | 763 |
| Average total loans | $1,292,381,333 | 538 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2528% | 3,566 |
| Cost of funding earning assets | 0.2233% | 3,698 |
| Net interest margin | 3.0295% | 3,183 |
| Noninterest income to average assets | 0.3070% | 3,574 |
| Noninterest expense to average assets | 1.7344% | 4,314 |
| Loan and lease loss provision to assets | -0.1338% | 4,758 |
| Net operating income to assets | 1.2832% | 1,878 |
| Return on assets (ROA) | 1.2831% | 1,950 |
| Pretax return on assets | 1.6439% | 1,617 |
| Return on Equity (ROE) | 16.5879% | 912 |
| Retained earnings to average equity (ytd only) | 7.6890% | 2,352 |
| Net charge-offs to loans | -0.0018% | 3,121 |
| Credit loss provision to net charge-offs | 10,200.0000% | 58 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4573% | 3,854 |
| Assets per employee ($millions) | 14.6303% | 214 |
| Cash dividends to net income (ytd only)* | 53.6469% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9586% | 3,992 |
| Loan loss allowance to noncurrent loans | 70.2747% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 882 |
| Noncurrent loans to loans | 1.3641% | 933 |
| Net loans and leases to total assets | 68.7734% | 1,432 |
| Net loans and leases to deposits | 76.9449% | 1,807 |
| Net loans and leases to core deposits | 82.3474% | 1,815 |
| Total domestic deposits to total assets | 89.3800% | 1,135 |
| Equity capital to assets | 7.4229% | 4,735 |
| Core capital (leverage) ratio | 8.1245% | 4,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7310% | 2,757 |
| Memoranda: | ||
| Average total assets | $1,829,290,500 | 572 |
| Average earning assets | $1,773,734,500 | 550 |
| Average equity | $141,501,000 | 753 |
| Average total loans | $1,309,538,000 | 533 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 3,326 |
| Cost of funding earning assets | 0.3995% | 3,582 |
| Net interest margin | 3.3927% | 2,802 |
| Noninterest income to average assets | 0.3616% | 3,303 |
| Noninterest expense to average assets | 1.9125% | 4,303 |
| Loan and lease loss provision to assets | 0.2723% | 1,415 |
| Net operating income to assets | 1.1505% | 1,723 |
| Return on assets (ROA) | 1.1531% | 1,833 |
| Pretax return on assets | 1.4588% | 1,477 |
| Return on Equity (ROE) | 13.9056% | 837 |
| Retained earnings to average equity (ytd only) | 4.5825% | 2,491 |
| Net charge-offs to loans | -0.0022% | 3,992 |
| Credit loss provision to net charge-offs | -16,235.7143% | 4,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5390% | 4,344 |
| Assets per employee ($millions) | 14.1701% | 208 |
| Cash dividends to net income (ytd only)* | 67.0459% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 3,844 |
| Loan loss allowance to noncurrent loans | 72.3015% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.0333% | 912 |
| Noncurrent loans to loans | 1.3919% | 980 |
| Net loans and leases to total assets | 73.1326% | 1,141 |
| Net loans and leases to deposits | 82.7026% | 1,581 |
| Net loans and leases to core deposits | 89.0369% | 1,607 |
| Total domestic deposits to total assets | 88.4285% | 1,262 |
| Equity capital to assets | 8.0682% | 4,681 |
| Core capital (leverage) ratio | 8.0691% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6076% | 2,768 |
| Memoranda: | ||
| Average total assets | $1,669,447,000 | 565 |
| Average earning assets | $1,613,365,400 | 537 |
| Average equity | $138,440,400 | 727 |
| Average total loans | $1,274,122,400 | 521 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 3,368 |
| Cost of funding earning assets | 0.4447% | 3,551 |
| Net interest margin | 3.4214% | 2,848 |
| Noninterest income to average assets | 0.3580% | 3,319 |
| Noninterest expense to average assets | 1.9129% | 4,307 |
| Loan and lease loss provision to assets | 0.3788% | 972 |
| Net operating income to assets | 1.0895% | 2,017 |
| Return on assets (ROA) | 1.0932% | 2,135 |
| Pretax return on assets | 1.3764% | 1,805 |
| Return on Equity (ROE) | 13.0870% | 1,083 |
| Retained earnings to average equity (ytd only) | 4.4012% | 2,848 |
| Net charge-offs to loans | -0.0039% | 3,998 |
| Credit loss provision to net charge-offs | -12,621.6216% | 4,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2183% | 4,326 |
| Assets per employee ($millions) | 14.0368% | 203 |
| Cash dividends to net income (ytd only)* | 66.3699% | 924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9923% | 3,736 |
| Loan loss allowance to noncurrent loans | 234.1901% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 2,848 |
| Noncurrent loans to loans | 0.4237% | 2,787 |
| Net loans and leases to total assets | 74.4537% | 1,320 |
| Net loans and leases to deposits | 84.0055% | 1,913 |
| Net loans and leases to core deposits | 92.3703% | 1,760 |
| Total domestic deposits to total assets | 88.6296% | 927 |
| Equity capital to assets | 7.9424% | 4,734 |
| Core capital (leverage) ratio | 8.1880% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6165% | 2,756 |
| Memoranda: | ||
| Average total assets | $1,643,992,000 | 560 |
| Average earning assets | $1,588,216,500 | 535 |
| Average equity | $137,323,250 | 725 |
| Average total loans | $1,265,517,250 | 514 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9687% | 3,408 |
| Cost of funding earning assets | 0.5094% | 3,478 |
| Net interest margin | 3.4594% | 2,918 |
| Noninterest income to average assets | 0.3670% | 3,278 |
| Noninterest expense to average assets | 1.9646% | 4,301 |
| Loan and lease loss provision to assets | 0.5459% | 619 |
| Net operating income to assets | 0.9619% | 2,453 |
| Return on assets (ROA) | 0.9675% | 2,564 |
| Pretax return on assets | 1.2063% | 2,346 |
| Return on Equity (ROE) | 11.3744% | 1,522 |
| Retained earnings to average equity (ytd only) | 3.1655% | 3,318 |
| Net charge-offs to loans | -0.0042% | 3,963 |
| Credit loss provision to net charge-offs | -16,773.0769% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9592% | 4,280 |
| Assets per employee ($millions) | 13.5672% | 218 |
| Cash dividends to net income (ytd only)* | 72.1698% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9707% | 3,708 |
| Loan loss allowance to noncurrent loans | 700.6476% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 3,962 |
| Noncurrent loans to loans | 0.1385% | 3,901 |
| Net loans and leases to total assets | 75.0979% | 1,264 |
| Net loans and leases to deposits | 85.3127% | 1,845 |
| Net loans and leases to core deposits | 94.1334% | 1,725 |
| Total domestic deposits to total assets | 88.0266% | 1,163 |
| Equity capital to assets | 7.9140% | 4,762 |
| Core capital (leverage) ratio | 8.2434% | 4,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3704% | 2,864 |
| Memoranda: | ||
| Average total assets | $1,597,763,000 | 563 |
| Average earning assets | $1,543,867,333 | 538 |
| Average equity | $135,902,000 | 725 |
| Average total loans | $1,240,498,667 | 513 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 3,255 |
| Cost of funding earning assets | 0.6301% | 3,271 |
| Net interest margin | 3.5582% | 2,793 |
| Noninterest income to average assets | 0.4045% | 3,062 |
| Noninterest expense to average assets | 2.0991% | 4,219 |
| Loan and lease loss provision to assets | 1.0856% | 190 |
| Net operating income to assets | 0.5535% | 3,726 |
| Return on assets (ROA) | 0.5669% | 3,758 |
| Pretax return on assets | 0.6731% | 3,766 |
| Return on Equity (ROE) | 6.4060% | 3,172 |
| Retained earnings to average equity (ytd only) | -3.6342% | 4,411 |
| Net charge-offs to loans | -0.0084% | 4,012 |
| Credit loss provision to net charge-offs | -16,444.0000% | 4,016 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6398% | 4,342 |
| Assets per employee ($millions) | 11.5055% | 266 |
| Cash dividends to net income (ytd only)* | 156.7303% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 3,374 |
| Loan loss allowance to noncurrent loans | 587.2232% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 3,887 |
| Noncurrent loans to loans | 0.1814% | 3,824 |
| Net loans and leases to total assets | 77.8417% | 1,002 |
| Net loans and leases to deposits | 91.5844% | 1,336 |
| Net loans and leases to core deposits | 96.9337% | 1,722 |
| Total domestic deposits to total assets | 84.9945% | 2,411 |
| Equity capital to assets | 8.9616% | 4,623 |
| Core capital (leverage) ratio | 9.0558% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2314% | 3,030 |
| Memoranda: | ||
| Average total assets | $1,514,774,500 | 564 |
| Average earning assets | $1,463,211,000 | 541 |
| Average equity | $134,061,500 | 725 |
| Average total loans | $1,191,991,000 | 513 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 3,168 |
| Cost of funding earning assets | 0.7408% | 2,967 |
| Net interest margin | 3.6866% | 2,848 |
| Noninterest income to average assets | 0.4164% | 3,201 |
| Noninterest expense to average assets | 2.1122% | 4,338 |
| Loan and lease loss provision to assets | 0.0129% | 3,757 |
| Net operating income to assets | 1.4439% | 1,209 |
| Return on assets (ROA) | 1.4542% | 1,233 |
| Pretax return on assets | 1.8478% | 842 |
| Return on Equity (ROE) | 17.1754% | 400 |
| Retained earnings to average equity (ytd only) | 5.0102% | 2,407 |
| Net charge-offs to loans | 0.0172% | 3,099 |
| Credit loss provision to net charge-offs | 96.5174% | 2,565 |
| Earnings coverage of net charge-offs (x) | 138.6368% | 528 |
| Efficiency ratio | 53.3413% | 4,490 |
| Assets per employee ($millions) | 11.7118% | 246 |
| Cash dividends to net income (ytd only)* | 70.8293% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7721% | 4,383 |
| Loan loss allowance to noncurrent loans | 430.6285% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 3,896 |
| Noncurrent loans to loans | 0.1793% | 3,814 |
| Net loans and leases to total assets | 78.0944% | 1,069 |
| Net loans and leases to deposits | 94.5169% | 1,104 |
| Net loans and leases to core deposits | 99.1883% | 1,632 |
| Total domestic deposits to total assets | 82.6248% | 3,325 |
| Equity capital to assets | 8.7383% | 4,809 |
| Core capital (leverage) ratio | 9.2062% | 4,358 |
| Tier 1 risk-based capital ratio | 11.4077% | 4,675 |
| Total risk-based capital ratio | 12.1881% | 4,785 |
| Memoranda: | ||
| Average total assets | $1,508,258,000 | 547 |
| Average earning assets | $1,449,621,200 | 525 |
| Average equity | $127,700,400 | 719 |
| Average total loans | $1,169,948,800 | 501 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 3,140 |
| Cost of funding earning assets | 0.7730% | 2,856 |
| Net interest margin | 3.7005% | 2,918 |
| Noninterest income to average assets | 0.4151% | 3,227 |
| Noninterest expense to average assets | 2.1137% | 4,338 |
| Loan and lease loss provision to assets | 0.0238% | 3,423 |
| Net operating income to assets | 1.4403% | 1,352 |
| Return on assets (ROA) | 1.4534% | 1,379 |
| Pretax return on assets | 1.8482% | 985 |
| Return on Equity (ROE) | 17.3049% | 448 |
| Retained earnings to average equity (ytd only) | 3.4559% | 3,683 |
| Net charge-offs to loans | 0.0179% | 2,776 |
| Credit loss provision to net charge-offs | 172.4359% | 1,478 |
| Earnings coverage of net charge-offs (x) | 134.4839% | 590 |
| Efficiency ratio | 53.2553% | 4,472 |
| Assets per employee ($millions) | 11.4972% | 243 |
| Cash dividends to net income (ytd only)* | 80.0292% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 4,419 |
| Loan loss allowance to noncurrent loans | 443.1158% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 3,990 |
| Noncurrent loans to loans | 0.1797% | 3,890 |
| Net loans and leases to total assets | 78.1369% | 1,116 |
| Net loans and leases to deposits | 91.6178% | 1,487 |
| Net loans and leases to core deposits | 96.7579% | 1,940 |
| Total domestic deposits to total assets | 85.2857% | 2,305 |
| Equity capital to assets | 8.7378% | 4,905 |
| Core capital (leverage) ratio | 8.8798% | 4,725 |
| Tier 1 risk-based capital ratio | 11.1384% | 4,848 |
| Total risk-based capital ratio | 11.9293% | 4,943 |
| Memoranda: | ||
| Average total assets | $1,507,616,000 | 550 |
| Average earning assets | $1,447,924,000 | 530 |
| Average equity | $126,620,250 | 720 |
| Average total loans | $1,165,173,250 | 506 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4499% | 3,182 |
| Cost of funding earning assets | 0.7818% | 2,736 |
| Net interest margin | 3.6681% | 3,038 |
| Noninterest income to average assets | 0.3976% | 3,283 |
| Noninterest expense to average assets | 2.0797% | 4,449 |
| Loan and lease loss provision to assets | 0.0211% | 3,378 |
| Net operating income to assets | 1.4317% | 1,340 |
| Return on assets (ROA) | 1.4498% | 1,348 |
| Pretax return on assets | 1.8420% | 948 |
| Return on Equity (ROE) | 17.4928% | 408 |
| Retained earnings to average equity (ytd only) | 6.3998% | 2,104 |
| Net charge-offs to loans | 0.0175% | 2,527 |
| Credit loss provision to net charge-offs | 156.8627% | 1,442 |
| Earnings coverage of net charge-offs (x) | 136.7255% | 536 |
| Efficiency ratio | 53.0564% | 4,558 |
| Assets per employee ($millions) | 11.1496% | 259 |
| Cash dividends to net income (ytd only)* | 63.4146% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,483 |
| Loan loss allowance to noncurrent loans | 443.4532% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 4,037 |
| Noncurrent loans to loans | 0.1775% | 3,921 |
| Net loans and leases to total assets | 76.8676% | 1,409 |
| Net loans and leases to deposits | 96.9040% | 943 |
| Net loans and leases to core deposits | 102.6296% | 1,507 |
| Total domestic deposits to total assets | 79.3234% | 4,155 |
| Equity capital to assets | 8.5507% | 5,019 |
| Core capital (leverage) ratio | 8.7899% | 4,788 |
| Tier 1 risk-based capital ratio | 11.1266% | 4,859 |
| Total risk-based capital ratio | 11.9083% | 4,963 |
| Memoranda: | ||
| Average total assets | $1,515,774,670 | 549 |
| Average earning assets | $1,455,537,000 | 531 |
| Average equity | $125,629,000 | 719 |
| Average total loans | $1,164,170,670 | 508 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 3,292 |
| Cost of funding earning assets | 0.7596% | 2,742 |
| Net interest margin | 3.6238% | 3,164 |
| Noninterest income to average assets | 0.3753% | 3,348 |
| Noninterest expense to average assets | 2.0384% | 4,581 |
| Loan and lease loss provision to assets | -0.0095% | 5,207 |
| Net operating income to assets | 1.4364% | 1,276 |
| Return on assets (ROA) | 1.4361% | 1,305 |
| Pretax return on assets | 1.8291% | 919 |
| Return on Equity (ROE) | 17.6063% | 440 |
| Retained earnings to average equity (ytd only) | 9.8920% | 1,059 |
| Net charge-offs to loans | -0.0069% | 4,107 |
| Credit loss provision to net charge-offs | 180.0000% | 1,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8321% | 4,630 |
| Assets per employee ($millions) | 11.2669% | 244 |
| Cash dividends to net income (ytd only)* | 43.8155% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 4,542 |
| Loan loss allowance to noncurrent loans | 388.8088% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 4,008 |
| Noncurrent loans to loans | 0.2042% | 3,856 |
| Net loans and leases to total assets | 75.9067% | 1,499 |
| Net loans and leases to deposits | 94.4897% | 1,113 |
| Net loans and leases to core deposits | 100.2955% | 1,595 |
| Total domestic deposits to total assets | 80.3333% | 4,110 |
| Equity capital to assets | 8.3741% | 5,054 |
| Core capital (leverage) ratio | 8.7462% | 4,830 |
| Tier 1 risk-based capital ratio | 11.2151% | 4,873 |
| Total risk-based capital ratio | 12.0029% | 4,988 |
| Memoranda: | ||
| Average total assets | $1,515,490,000 | 551 |
| Average earning assets | $1,456,575,000 | 528 |
| Average equity | $123,614,500 | 731 |
| Average total loans | $1,158,844,500 | 511 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 3,468 |
| Cost of funding earning assets | 0.5305% | 3,177 |
| Net interest margin | 3.6582% | 3,197 |
| Noninterest income to average assets | 0.4265% | 3,265 |
| Noninterest expense to average assets | 2.0305% | 4,697 |
| Loan and lease loss provision to assets | 0.0520% | 3,141 |
| Net operating income to assets | 1.4507% | 1,271 |
| Return on assets (ROA) | 1.4495% | 1,265 |
| Pretax return on assets | 1.8417% | 829 |
| Return on Equity (ROE) | 18.9189% | 315 |
| Retained earnings to average equity (ytd only) | 10.8211% | 469 |
| Net charge-offs to loans | 0.0147% | 3,189 |
| Credit loss provision to net charge-offs | 467.8788% | 734 |
| Earnings coverage of net charge-offs (x) | 170.5394% | 507 |
| Efficiency ratio | 51.7242% | 4,816 |
| Assets per employee ($millions) | 11.4377% | 231 |
| Cash dividends to net income (ytd only)* | 42.8027% | 2,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 4,568 |
| Loan loss allowance to noncurrent loans | 415.5586% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1491% | 4,087 |
| Noncurrent loans to loans | 0.1902% | 3,891 |
| Net loans and leases to total assets | 75.8154% | 1,643 |
| Net loans and leases to deposits | 96.6524% | 1,010 |
| Net loans and leases to core deposits | 103.3137% | 1,477 |
| Total domestic deposits to total assets | 78.4413% | 4,413 |
| Equity capital to assets | 7.9410% | 5,181 |
| Core capital (leverage) ratio | 8.5795% | 4,969 |
| Tier 1 risk-based capital ratio | 10.8917% | 5,020 |
| Total risk-based capital ratio | 11.6769% | 5,115 |
| Memoranda: | ||
| Average total assets | $1,484,792,000 | 549 |
| Average earning assets | $1,420,252,400 | 524 |
| Average equity | $113,759,400 | 750 |
| Average total loans | $1,118,904,800 | 510 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 3,549 |
| Cost of funding earning assets | 0.4898% | 3,260 |
| Net interest margin | 3.6371% | 3,238 |
| Noninterest income to average assets | 0.4253% | 3,319 |
| Noninterest expense to average assets | 2.0016% | 4,741 |
| Loan and lease loss provision to assets | 0.0453% | 3,086 |
| Net operating income to assets | 1.4581% | 1,304 |
| Return on assets (ROA) | 1.4671% | 1,287 |
| Pretax return on assets | 1.8660% | 868 |
| Return on Equity (ROE) | 19.3306% | 313 |
| Retained earnings to average equity (ytd only) | 11.1058% | 629 |
| Net charge-offs to loans | 0.0173% | 2,820 |
| Credit loss provision to net charge-offs | 347.9167% | 904 |
| Earnings coverage of net charge-offs (x) | 146.0172% | 559 |
| Efficiency ratio | 51.3050% | 4,862 |
| Assets per employee ($millions) | 11.2774% | 230 |
| Cash dividends to net income (ytd only)* | 42.5483% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 4,651 |
| Loan loss allowance to noncurrent loans | 337.0287% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 4,040 |
| Noncurrent loans to loans | 0.2347% | 3,863 |
| Net loans and leases to total assets | 74.7303% | 1,869 |
| Net loans and leases to deposits | 93.1859% | 1,478 |
| Net loans and leases to core deposits | 99.7159% | 1,816 |
| Total domestic deposits to total assets | 80.1949% | 4,068 |
| Equity capital to assets | 7.6623% | 5,277 |
| Core capital (leverage) ratio | 8.4765% | 5,106 |
| Tier 1 risk-based capital ratio | 10.8867% | 5,086 |
| Total risk-based capital ratio | 11.6695% | 5,183 |
| Memoranda: | ||
| Average total assets | $1,475,686,500 | 547 |
| Average earning assets | $1,410,403,000 | 521 |
| Average equity | $111,999,250 | 760 |
| Average total loans | $1,108,005,250 | 510 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0557% | 3,595 |
| Cost of funding earning assets | 0.4283% | 3,509 |
| Net interest margin | 3.6273% | 3,212 |
| Noninterest income to average assets | 0.4379% | 3,235 |
| Noninterest expense to average assets | 2.0053% | 4,792 |
| Loan and lease loss provision to assets | 0.0561% | 2,786 |
| Net operating income to assets | 1.4551% | 1,266 |
| Return on assets (ROA) | 1.4675% | 1,235 |
| Pretax return on assets | 1.8671% | 849 |
| Return on Equity (ROE) | 19.3995% | 303 |
| Retained earnings to average equity (ytd only) | 11.1022% | 645 |
| Net charge-offs to loans | 0.0189% | 2,515 |
| Credit loss provision to net charge-offs | 396.1538% | 830 |
| Earnings coverage of net charge-offs (x) | 134.5865% | 568 |
| Efficiency ratio | 51.2503% | 4,950 |
| Assets per employee ($millions) | 11.2014% | 224 |
| Cash dividends to net income (ytd only)* | 42.7709% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 4,717 |
| Loan loss allowance to noncurrent loans | 329.7959% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,075 |
| Noncurrent loans to loans | 0.2405% | 3,840 |
| Net loans and leases to total assets | 74.6179% | 1,846 |
| Net loans and leases to deposits | 96.0664% | 1,131 |
| Net loans and leases to core deposits | 103.6449% | 1,424 |
| Total domestic deposits to total assets | 77.6733% | 4,640 |
| Equity capital to assets | 7.5698% | 5,363 |
| Core capital (leverage) ratio | 8.3177% | 5,201 |
| Tier 1 risk-based capital ratio | 10.8487% | 5,130 |
| Total risk-based capital ratio | 11.6448% | 5,221 |
| Memoranda: | ||
| Average total assets | $1,467,617,670 | 545 |
| Average earning assets | $1,405,937,670 | 525 |
| Average equity | $111,023,330 | 766 |
| Average total loans | $1,100,736,000 | 511 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,747 |
| Cost of funding earning assets | 0.3826% | 3,716 |
| Net interest margin | 3.5800% | 3,255 |
| Noninterest income to average assets | 0.4026% | 3,449 |
| Noninterest expense to average assets | 2.0034% | 4,842 |
| Loan and lease loss provision to assets | 0.0459% | 2,847 |
| Net operating income to assets | 1.4043% | 1,327 |
| Return on assets (ROA) | 1.4116% | 1,322 |
| Pretax return on assets | 1.7982% | 913 |
| Return on Equity (ROE) | 18.6658% | 345 |
| Retained earnings to average equity (ytd only) | 10.3025% | 1,069 |
| Net charge-offs to loans | 0.0352% | 1,819 |
| Credit loss provision to net charge-offs | 173.9583% | 1,141 |
| Earnings coverage of net charge-offs (x) | 69.5938% | 777 |
| Efficiency ratio | 52.1966% | 4,951 |
| Assets per employee ($millions) | 11.1339% | 238 |
| Cash dividends to net income (ytd only)* | 44.8054% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7896% | 4,815 |
| Loan loss allowance to noncurrent loans | 307.9744% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 4,121 |
| Noncurrent loans to loans | 0.2564% | 3,841 |
| Net loans and leases to total assets | 74.5203% | 1,783 |
| Net loans and leases to deposits | 89.5766% | 1,737 |
| Net loans and leases to core deposits | 97.2158% | 1,889 |
| Total domestic deposits to total assets | 83.1917% | 3,603 |
| Equity capital to assets | 7.5503% | 5,403 |
| Core capital (leverage) ratio | 8.1694% | 5,334 |
| Tier 1 risk-based capital ratio | 10.6767% | 5,290 |
| Total risk-based capital ratio | 11.4614% | 5,368 |
| Memoranda: | ||
| Average total assets | $1,456,534,000 | 551 |
| Average earning assets | $1,397,780,500 | 530 |
| Average equity | $110,148,000 | 773 |
| Average total loans | $1,090,836,500 | 518 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 3,635 |
| Cost of funding earning assets | 0.3358% | 3,832 |
| Net interest margin | 3.5945% | 3,191 |
| Noninterest income to average assets | 0.4154% | 3,528 |
| Noninterest expense to average assets | 2.1573% | 4,630 |
| Loan and lease loss provision to assets | 0.0442% | 3,358 |
| Net operating income to assets | 1.0792% | 1,937 |
| Return on assets (ROA) | 1.0766% | 1,972 |
| Pretax return on assets | 1.6520% | 1,149 |
| Return on Equity (ROE) | 14.1996% | 731 |
| Retained earnings to average equity (ytd only) | 8.5858% | 590 |
| Net charge-offs to loans | 0.0197% | 3,447 |
| Credit loss provision to net charge-offs | 303.9024% | 929 |
| Earnings coverage of net charge-offs (x) | 116.9610% | 578 |
| Efficiency ratio | 55.9271% | 4,774 |
| Assets per employee ($millions) | 10.9363% | 245 |
| Cash dividends to net income (ytd only)* | 39.5350% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 4,853 |
| Loan loss allowance to noncurrent loans | 377.1868% | 1,384 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 4,354 |
| Noncurrent loans to loans | 0.2095% | 4,071 |
| Net loans and leases to total assets | 74.0813% | 1,905 |
| Net loans and leases to deposits | 86.1541% | 2,242 |
| Net loans and leases to core deposits | 97.7728% | 1,877 |
| Total domestic deposits to total assets | 85.9870% | 2,438 |
| Equity capital to assets | 7.5744% | 5,528 |
| Core capital (leverage) ratio | 8.0772% | 5,406 |
| Tier 1 risk-based capital ratio | 10.4768% | 5,373 |
| Total risk-based capital ratio | 11.2597% | 5,476 |
| Memoranda: | ||
| Average total assets | $1,410,389,200 | 544 |
| Average earning assets | $1,350,519,200 | 525 |
| Average equity | $106,932,600 | 764 |
| Average total loans | $1,043,241,200 | 520 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9163% | 3,633 |
| Cost of funding earning assets | 0.3410% | 3,762 |
| Net interest margin | 3.5753% | 3,240 |
| Noninterest income to average assets | 0.4209% | 3,552 |
| Noninterest expense to average assets | 1.9646% | 5,025 |
| Loan and lease loss provision to assets | 0.0252% | 3,633 |
| Net operating income to assets | 1.2322% | 1,571 |
| Return on assets (ROA) | 1.2283% | 1,614 |
| Pretax return on assets | 1.8493% | 786 |
| Return on Equity (ROE) | 16.1972% | 505 |
| Retained earnings to average equity (ytd only) | 10.5397% | 480 |
| Net charge-offs to loans | 0.0212% | 3,054 |
| Credit loss provision to net charge-offs | 161.5854% | 1,589 |
| Earnings coverage of net charge-offs (x) | 120.3238% | 625 |
| Efficiency ratio | 51.0978% | 5,174 |
| Assets per employee ($millions) | 10.5420% | 266 |
| Cash dividends to net income (ytd only)* | 34.9286% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,915 |
| Loan loss allowance to noncurrent loans | 374.6147% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1550% | 4,496 |
| Noncurrent loans to loans | 0.2112% | 4,225 |
| Net loans and leases to total assets | 72.7983% | 2,127 |
| Net loans and leases to deposits | 85.2612% | 2,402 |
| Net loans and leases to core deposits | 97.6587% | 1,913 |
| Total domestic deposits to total assets | 85.3827% | 2,567 |
| Equity capital to assets | 7.7972% | 5,571 |
| Core capital (leverage) ratio | 8.1471% | 5,450 |
| Tier 1 risk-based capital ratio | 10.6929% | 5,374 |
| Total risk-based capital ratio | 11.4807% | 5,483 |
| Memoranda: | ||
| Average total assets | $1,399,355,500 | 548 |
| Average earning assets | $1,340,033,750 | 529 |
| Average equity | $106,122,750 | 772 |
| Average total loans | $1,032,523,750 | 524 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,697 |
| Cost of funding earning assets | 0.3395% | 3,695 |
| Net interest margin | 3.5172% | 3,333 |
| Noninterest income to average assets | 0.4272% | 3,510 |
| Noninterest expense to average assets | 1.9853% | 5,002 |
| Loan and lease loss provision to assets | 0.0259% | 3,483 |
| Net operating income to assets | 1.1922% | 1,620 |
| Return on assets (ROA) | 1.1917% | 1,657 |
| Pretax return on assets | 1.7880% | 867 |
| Return on Equity (ROE) | 15.8668% | 549 |
| Retained earnings to average equity (ytd only) | 10.1217% | 557 |
| Net charge-offs to loans | 0.0315% | 2,570 |
| Credit loss provision to net charge-offs | 111.1111% | 1,871 |
| Earnings coverage of net charge-offs (x) | 77.9136% | 786 |
| Efficiency ratio | 52.2509% | 5,159 |
| Assets per employee ($millions) | 10.6354% | 256 |
| Cash dividends to net income (ytd only)* | 36.2079% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 4,974 |
| Loan loss allowance to noncurrent loans | 394.8359% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 4,577 |
| Noncurrent loans to loans | 0.2003% | 4,315 |
| Net loans and leases to total assets | 73.6560% | 1,935 |
| Net loans and leases to deposits | 88.8794% | 1,878 |
| Net loans and leases to core deposits | 104.5251% | 1,321 |
| Total domestic deposits to total assets | 82.8718% | 3,605 |
| Equity capital to assets | 7.7274% | 5,612 |
| Core capital (leverage) ratio | 8.0181% | 5,517 |
| Tier 1 risk-based capital ratio | 10.4832% | 5,463 |
| Total risk-based capital ratio | 11.2696% | 5,579 |
| Memoranda: | ||
| Average total assets | $1,391,416,670 | 552 |
| Average earning assets | $1,334,136,330 | 529 |
| Average equity | $104,507,670 | 785 |
| Average total loans | $1,028,595,330 | 525 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 3,764 |
| Cost of funding earning assets | 0.3320% | 3,734 |
| Net interest margin | 3.4672% | 3,396 |
| Noninterest income to average assets | 0.4070% | 3,609 |
| Noninterest expense to average assets | 1.9788% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1685% | 1,596 |
| Return on assets (ROA) | 1.1682% | 1,642 |
| Pretax return on assets | 1.7568% | 890 |
| Return on Equity (ROE) | 15.7814% | 553 |
| Retained earnings to average equity (ytd only) | 8.0054% | 1,459 |
| Net charge-offs to loans | 0.0312% | 2,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 76.3500% | 677 |
| Efficiency ratio | 52.9684% | 5,209 |
| Assets per employee ($millions) | 10.5047% | 262 |
| Cash dividends to net income (ytd only)* | 49.2736% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 5,094 |
| Loan loss allowance to noncurrent loans | 332.9077% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.1751% | 4,541 |
| Noncurrent loans to loans | 0.2376% | 4,259 |
| Net loans and leases to total assets | 73.1146% | 1,891 |
| Net loans and leases to deposits | 84.6018% | 2,211 |
| Net loans and leases to core deposits | 102.0392% | 1,364 |
| Total domestic deposits to total assets | 86.4220% | 2,485 |
| Equity capital to assets | 7.5068% | 5,682 |
| Core capital (leverage) ratio | 7.7669% | 5,643 |
| Tier 1 risk-based capital ratio | 10.2562% | 5,632 |
| Total risk-based capital ratio | 11.0343% | 5,724 |
| Memoranda: | ||
| Average total assets | $1,390,506,000 | 556 |
| Average earning assets | $1,335,029,500 | 529 |
| Average equity | $102,931,000 | 794 |
| Average total loans | $1,025,701,000 | 525 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 3,986 |
| Cost of funding earning assets | 0.3262% | 3,785 |
| Net interest margin | 3.4472% | 3,640 |
| Noninterest income to average assets | 0.4146% | 3,779 |
| Noninterest expense to average assets | 1.8732% | 5,395 |
| Loan and lease loss provision to assets | 0.0701% | 2,954 |
| Net operating income to assets | 1.1866% | 1,550 |
| Return on assets (ROA) | 1.2056% | 1,572 |
| Pretax return on assets | 1.8100% | 781 |
| Return on Equity (ROE) | 16.2100% | 487 |
| Retained earnings to average equity (ytd only) | 8.5898% | 668 |
| Net charge-offs to loans | 0.0119% | 3,872 |
| Credit loss provision to net charge-offs | 809.4828% | 460 |
| Earnings coverage of net charge-offs (x) | 213.7931% | 323 |
| Efficiency ratio | 50.2906% | 5,472 |
| Assets per employee ($millions) | 10.4841% | 267 |
| Cash dividends to net income (ytd only)* | 47.0089% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 5,124 |
| Loan loss allowance to noncurrent loans | 283.3391% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 4,468 |
| Noncurrent loans to loans | 0.2798% | 4,155 |
| Net loans and leases to total assets | 73.2458% | 1,968 |
| Net loans and leases to deposits | 89.5871% | 1,730 |
| Net loans and leases to core deposits | 104.9651% | 1,210 |
| Total domestic deposits to total assets | 81.7594% | 4,139 |
| Equity capital to assets | 7.2986% | 5,757 |
| Core capital (leverage) ratio | 7.7300% | 5,700 |
| Tier 1 risk-based capital ratio | 9.8949% | 5,762 |
| Total risk-based capital ratio | 10.6682% | 5,821 |
| Memoranda: | ||
| Average total assets | $1,339,417,000 | 550 |
| Average earning assets | $1,286,181,400 | 528 |
| Average equity | $99,617,600 | 792 |
| Average total loans | $973,888,400 | 521 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7804% | 3,983 |
| Cost of funding earning assets | 0.3257% | 3,813 |
| Net interest margin | 3.4548% | 3,653 |
| Noninterest income to average assets | 0.4196% | 3,779 |
| Noninterest expense to average assets | 1.8935% | 5,388 |
| Loan and lease loss provision to assets | 0.0657% | 2,911 |
| Net operating income to assets | 1.1801% | 1,704 |
| Return on assets (ROA) | 1.2054% | 1,722 |
| Pretax return on assets | 1.8168% | 871 |
| Return on Equity (ROE) | 16.1281% | 531 |
| Retained earnings to average equity (ytd only) | 7.5278% | 1,387 |
| Net charge-offs to loans | 0.0150% | 3,431 |
| Credit loss provision to net charge-offs | 604.6296% | 610 |
| Earnings coverage of net charge-offs (x) | 169.7550% | 427 |
| Efficiency ratio | 50.6633% | 5,458 |
| Assets per employee ($millions) | 10.1236% | 289 |
| Cash dividends to net income (ytd only)* | 53.3250% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 5,219 |
| Loan loss allowance to noncurrent loans | 374.5843% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 4,797 |
| Noncurrent loans to loans | 0.2107% | 4,511 |
| Net loans and leases to total assets | 72.5313% | 2,108 |
| Net loans and leases to deposits | 89.9384% | 1,761 |
| Net loans and leases to core deposits | 105.5465% | 1,227 |
| Total domestic deposits to total assets | 80.6456% | 4,342 |
| Equity capital to assets | 7.5072% | 5,843 |
| Core capital (leverage) ratio | 7.7145% | 5,783 |
| Tier 1 risk-based capital ratio | 9.9126% | 5,813 |
| Total risk-based capital ratio | 10.6844% | 5,875 |
| Memoranda: | ||
| Average total assets | $1,325,674,000 | 557 |
| Average earning assets | $1,273,152,000 | 535 |
| Average equity | $99,079,250 | 799 |
| Average total loans | $959,986,750 | 526 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 3,987 |
| Cost of funding earning assets | 0.3204% | 3,898 |
| Net interest margin | 3.4705% | 3,611 |
| Noninterest income to average assets | 0.4142% | 3,788 |
| Noninterest expense to average assets | 1.9128% | 5,428 |
| Loan and lease loss provision to assets | 0.0591% | 2,958 |
| Net operating income to assets | 1.1799% | 1,667 |
| Return on assets (ROA) | 1.2030% | 1,682 |
| Pretax return on assets | 1.8160% | 851 |
| Return on Equity (ROE) | 16.1216% | 526 |
| Retained earnings to average equity (ytd only) | 7.4173% | 1,425 |
| Net charge-offs to loans | 0.0186% | 3,132 |
| Credit loss provision to net charge-offs | 440.9091% | 724 |
| Earnings coverage of net charge-offs (x) | 137.1477% | 437 |
| Efficiency ratio | 50.9729% | 5,503 |
| Assets per employee ($millions) | 10.0598% | 278 |
| Cash dividends to net income (ytd only)* | 53.9914% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 5,301 |
| Loan loss allowance to noncurrent loans | 394.2208% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 4,913 |
| Noncurrent loans to loans | 0.2009% | 4,638 |
| Net loans and leases to total assets | 72.0856% | 2,151 |
| Net loans and leases to deposits | 89.1390% | 1,848 |
| Net loans and leases to core deposits | 104.6667% | 1,273 |
| Total domestic deposits to total assets | 80.8688% | 4,313 |
| Equity capital to assets | 7.6236% | 5,893 |
| Core capital (leverage) ratio | 7.6114% | 5,856 |
| Tier 1 risk-based capital ratio | 9.9868% | 5,860 |
| Total risk-based capital ratio | 10.7560% | 5,928 |
| Memoranda: | ||
| Average total assets | $1,312,005,330 | 562 |
| Average earning assets | $1,262,057,330 | 542 |
| Average equity | $97,906,000 | 808 |
| Average total loans | $946,930,330 | 531 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 4,000 |
| Cost of funding earning assets | 0.3169% | 3,987 |
| Net interest margin | 3.4666% | 3,599 |
| Noninterest income to average assets | 0.4288% | 3,627 |
| Noninterest expense to average assets | 1.9079% | 5,512 |
| Loan and lease loss provision to assets | 0.0564% | 2,814 |
| Net operating income to assets | 1.1874% | 1,597 |
| Return on assets (ROA) | 1.2104% | 1,619 |
| Pretax return on assets | 1.8383% | 788 |
| Return on Equity (ROE) | 16.4002% | 493 |
| Retained earnings to average equity (ytd only) | 7.5476% | 1,645 |
| Net charge-offs to loans | 0.0269% | 2,402 |
| Credit loss provision to net charge-offs | 292.0635% | 870 |
| Earnings coverage of net charge-offs (x) | 96.2381% | 555 |
| Efficiency ratio | 50.6391% | 5,586 |
| Assets per employee ($millions) | 10.0998% | 264 |
| Cash dividends to net income (ytd only)* | 53.9787% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 5,392 |
| Loan loss allowance to noncurrent loans | 315.6091% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 4,843 |
| Noncurrent loans to loans | 0.2503% | 4,535 |
| Net loans and leases to total assets | 71.3521% | 2,137 |
| Net loans and leases to deposits | 82.8602% | 2,449 |
| Net loans and leases to core deposits | 99.6684% | 1,511 |
| Total domestic deposits to total assets | 86.1114% | 2,625 |
| Equity capital to assets | 7.4917% | 5,949 |
| Core capital (leverage) ratio | 7.5867% | 5,910 |
| Tier 1 risk-based capital ratio | 9.9134% | 5,925 |
| Total risk-based capital ratio | 10.6738% | 5,997 |
| Memoranda: | ||
| Average total assets | $1,304,062,000 | 564 |
| Average earning assets | $1,256,003,000 | 544 |
| Average equity | $96,242,500 | 822 |
| Average total loans | $937,966,000 | 534 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,238 |
| Cost of funding earning assets | 0.3236% | 3,980 |
| Net interest margin | 3.4147% | 3,853 |
| Noninterest income to average assets | 0.4451% | 3,707 |
| Noninterest expense to average assets | 1.8826% | 5,636 |
| Loan and lease loss provision to assets | 0.0651% | 2,985 |
| Net operating income to assets | 1.1687% | 1,675 |
| Return on assets (ROA) | 1.1938% | 1,647 |
| Pretax return on assets | 1.8118% | 789 |
| Return on Equity (ROE) | 15.9414% | 559 |
| Retained earnings to average equity (ytd only) | 9.4066% | 555 |
| Net charge-offs to loans | 0.0049% | 4,277 |
| Credit loss provision to net charge-offs | 1,888.0952% | 183 |
| Earnings coverage of net charge-offs (x) | 532.9762% | 125 |
| Efficiency ratio | 50.5872% | 5,731 |
| Assets per employee ($millions) | 9.9627% | 281 |
| Cash dividends to net income (ytd only)* | 40.9923% | 2,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 5,443 |
| Loan loss allowance to noncurrent loans | 289.5464% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 4,814 |
| Noncurrent loans to loans | 0.2721% | 4,477 |
| Net loans and leases to total assets | 71.3660% | 2,154 |
| Net loans and leases to deposits | 86.2779% | 2,095 |
| Net loans and leases to core deposits | 99.9062% | 1,505 |
| Total domestic deposits to total assets | 82.7164% | 3,939 |
| Equity capital to assets | 7.2672% | 6,014 |
| Core capital (leverage) ratio | 7.7200% | 5,935 |
| Tier 1 risk-based capital ratio | 9.7515% | 6,007 |
| Total risk-based capital ratio | 10.5018% | 6,078 |
| Memoranda: | ||
| Average total assets | $1,217,329,000 | 577 |
| Average earning assets | $1,168,009,600 | 553 |
| Average equity | $91,159,000 | 832 |
| Average total loans | $856,916,800 | 553 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7384% | 4,299 |
| Cost of funding earning assets | 0.3287% | 3,999 |
| Net interest margin | 3.4097% | 3,911 |
| Noninterest income to average assets | 0.4480% | 3,730 |
| Noninterest expense to average assets | 1.8938% | 5,648 |
| Loan and lease loss provision to assets | 0.0366% | 3,484 |
| Net operating income to assets | 1.1640% | 1,780 |
| Return on assets (ROA) | 1.1940% | 1,735 |
| Pretax return on assets | 1.8345% | 833 |
| Return on Equity (ROE) | 15.8179% | 619 |
| Retained earnings to average equity (ytd only) | 9.3961% | 764 |
| Net charge-offs to loans | 0.0019% | 4,117 |
| Credit loss provision to net charge-offs | 2,741.6667% | 131 |
| Earnings coverage of net charge-offs (x) | 1,366.1325% | 53 |
| Efficiency ratio | 50.9279% | 5,727 |
| Assets per employee ($millions) | 9.4013% | 334 |
| Cash dividends to net income (ytd only)* | 40.5985% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7900% | 5,542 |
| Loan loss allowance to noncurrent loans | 303.5604% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 5,023 |
| Noncurrent loans to loans | 0.2602% | 4,647 |
| Net loans and leases to total assets | 69.8886% | 2,404 |
| Net loans and leases to deposits | 82.3087% | 2,609 |
| Net loans and leases to core deposits | 97.2630% | 1,766 |
| Total domestic deposits to total assets | 84.9104% | 3,051 |
| Equity capital to assets | 7.5516% | 6,066 |
| Core capital (leverage) ratio | 7.8370% | 5,969 |
| Tier 1 risk-based capital ratio | 10.0937% | 6,013 |
| Total risk-based capital ratio | 10.8427% | 6,100 |
| Memoranda: | ||
| Average total assets | $1,197,872,250 | 591 |
| Average earning assets | $1,148,975,500 | 563 |
| Average equity | $90,418,250 | 846 |
| Average total loans | $838,235,750 | 561 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7366% | 4,290 |
| Cost of funding earning assets | 0.3329% | 4,015 |
| Net interest margin | 3.4036% | 3,899 |
| Noninterest income to average assets | 0.4443% | 3,748 |
| Noninterest expense to average assets | 1.8634% | 5,763 |
| Loan and lease loss provision to assets | 0.0024% | 4,034 |
| Net operating income to assets | 1.1929% | 1,624 |
| Return on assets (ROA) | 1.2360% | 1,573 |
| Pretax return on assets | 1.9135% | 718 |
| Return on Equity (ROE) | 16.3771% | 563 |
| Retained earnings to average equity (ytd only) | 10.0134% | 660 |
| Net charge-offs to loans | 0.0022% | 3,825 |
| Credit loss provision to net charge-offs | 155.5556% | 1,503 |
| Earnings coverage of net charge-offs (x) | 1,216.0000% | 49 |
| Efficiency ratio | 50.1889% | 5,848 |
| Assets per employee ($millions) | 9.1975% | 344 |
| Cash dividends to net income (ytd only)* | 38.8570% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 5,619 |
| Loan loss allowance to noncurrent loans | 351.6800% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 5,247 |
| Noncurrent loans to loans | 0.2250% | 4,881 |
| Net loans and leases to total assets | 69.1586% | 2,461 |
| Net loans and leases to deposits | 83.1061% | 2,425 |
| Net loans and leases to core deposits | 96.4089% | 1,763 |
| Total domestic deposits to total assets | 83.2172% | 3,867 |
| Equity capital to assets | 7.5933% | 6,098 |
| Core capital (leverage) ratio | 7.8459% | 5,995 |
| Tier 1 risk-based capital ratio | 10.2871% | 5,998 |
| Total risk-based capital ratio | 11.0321% | 6,110 |
| Memoranda: | ||
| Average total assets | $1,183,506,330 | 601 |
| Average earning assets | $1,136,550,670 | 565 |
| Average equity | $89,320,000 | 864 |
| Average total loans | $826,246,670 | 565 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7408% | 4,227 |
| Cost of funding earning assets | 0.3420% | 3,967 |
| Net interest margin | 3.3988% | 3,847 |
| Noninterest income to average assets | 0.4264% | 3,791 |
| Noninterest expense to average assets | 2.0615% | 5,470 |
| Loan and lease loss provision to assets | -0.0299% | 6,128 |
| Net operating income to assets | 1.0739% | 1,956 |
| Return on assets (ROA) | 1.0905% | 2,014 |
| Pretax return on assets | 1.6884% | 1,077 |
| Return on Equity (ROE) | 14.4946% | 790 |
| Retained earnings to average equity (ytd only) | 8.1369% | 1,516 |
| Net charge-offs to loans | -0.0126% | 4,826 |
| Credit loss provision to net charge-offs | 338.4615% | 745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8028% | 5,529 |
| Assets per employee ($millions) | 8.9670% | 366 |
| Cash dividends to net income (ytd only)* | 43.8629% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 5,696 |
| Loan loss allowance to noncurrent loans | 397.7453% | 1,208 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,287 |
| Noncurrent loans to loans | 0.2005% | 5,060 |
| Net loans and leases to total assets | 68.6017% | 2,348 |
| Net loans and leases to deposits | 76.9061% | 2,945 |
| Net loans and leases to core deposits | 88.3507% | 2,292 |
| Total domestic deposits to total assets | 89.2019% | 1,140 |
| Equity capital to assets | 7.5913% | 6,154 |
| Core capital (leverage) ratio | 7.6813% | 6,079 |
| Tier 1 risk-based capital ratio | 10.2220% | 6,104 |
| Total risk-based capital ratio | 10.9768% | 6,194 |
| Memoranda: | ||
| Average total assets | $1,177,422,000 | 597 |
| Average earning assets | $1,132,062,500 | 566 |
| Average equity | $88,584,500 | 874 |
| Average total loans | $822,617,000 | 563 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8769% | 4,213 |
| Cost of funding earning assets | 0.3950% | 3,743 |
| Net interest margin | 3.4819% | 3,861 |
| Noninterest income to average assets | 0.5113% | 3,414 |
| Noninterest expense to average assets | 2.1172% | 5,531 |
| Loan and lease loss provision to assets | 0.0094% | 4,440 |
| Net operating income to assets | 1.0949% | 1,993 |
| Return on assets (ROA) | 1.0988% | 2,036 |
| Pretax return on assets | 1.7041% | 981 |
| Return on Equity (ROE) | 14.7726% | 818 |
| Retained earnings to average equity (ytd only) | 8.8410% | 736 |
| Net charge-offs to loans | 0.0133% | 4,623 |
| Credit loss provision to net charge-offs | 102.9126% | 2,325 |
| Earnings coverage of net charge-offs (x) | 187.6408% | 283 |
| Efficiency ratio | 55.3618% | 5,727 |
| Assets per employee ($millions) | 8.6755% | 404 |
| Cash dividends to net income (ytd only)* | 40.1527% | 2,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 5,779 |
| Loan loss allowance to noncurrent loans | 245.3090% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 4,996 |
| Noncurrent loans to loans | 0.3249% | 4,674 |
| Net loans and leases to total assets | 70.0238% | 2,234 |
| Net loans and leases to deposits | 79.7569% | 2,747 |
| Net loans and leases to core deposits | 88.4943% | 2,447 |
| Total domestic deposits to total assets | 87.7965% | 1,873 |
| Equity capital to assets | 7.4552% | 6,244 |
| Core capital (leverage) ratio | 7.7639% | 6,110 |
| Tier 1 risk-based capital ratio | 10.5358% | 6,087 |
| Total risk-based capital ratio | 11.3377% | 6,180 |
| Memoranda: | ||
| Average total assets | $1,132,138,200 | 595 |
| Average earning assets | $1,077,226,800 | 568 |
| Average equity | $84,210,200 | 878 |
| Average total loans | $776,838,400 | 563 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9103% | 4,132 |
| Cost of funding earning assets | 0.4113% | 3,664 |
| Net interest margin | 3.4990% | 3,833 |
| Noninterest income to average assets | 0.5263% | 3,347 |
| Noninterest expense to average assets | 2.1416% | 5,483 |
| Loan and lease loss provision to assets | -0.0017% | 6,058 |
| Net operating income to assets | 1.0984% | 2,043 |
| Return on assets (ROA) | 1.0995% | 2,098 |
| Pretax return on assets | 1.7103% | 1,043 |
| Return on Equity (ROE) | 14.7914% | 865 |
| Retained earnings to average equity (ytd only) | 8.8547% | 1,044 |
| Net charge-offs to loans | -0.0166% | 5,564 |
| Credit loss provision to net charge-offs | 14.7368% | 3,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6540% | 5,688 |
| Assets per employee ($millions) | 8.5032% | 422 |
| Cash dividends to net income (ytd only)* | 40.1361% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 5,715 |
| Loan loss allowance to noncurrent loans | 241.8208% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.2700% | 5,177 |
| Noncurrent loans to loans | 0.3556% | 4,836 |
| Net loans and leases to total assets | 67.9575% | 2,538 |
| Net loans and leases to deposits | 76.1229% | 3,171 |
| Net loans and leases to core deposits | 85.3711% | 2,736 |
| Total domestic deposits to total assets | 89.2734% | 1,093 |
| Equity capital to assets | 7.6401% | 6,278 |
| Core capital (leverage) ratio | 7.7467% | 6,196 |
| Tier 1 risk-based capital ratio | 10.9355% | 6,025 |
| Total risk-based capital ratio | 11.7966% | 6,140 |
| Memoranda: | ||
| Average total assets | $1,122,373,250 | 597 |
| Average earning assets | $1,065,527,500 | 572 |
| Average equity | $83,434,000 | 887 |
| Average total loans | $764,371,500 | 569 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8898% | 4,176 |
| Cost of funding earning assets | 0.4311% | 3,537 |
| Net interest margin | 3.4587% | 3,944 |
| Noninterest income to average assets | 0.5279% | 3,284 |
| Noninterest expense to average assets | 2.1429% | 5,533 |
| Loan and lease loss provision to assets | -0.0105% | 6,232 |
| Net operating income to assets | 1.0796% | 2,009 |
| Return on assets (ROA) | 1.0817% | 2,069 |
| Pretax return on assets | 1.6787% | 1,061 |
| Return on Equity (ROE) | 14.6887% | 840 |
| Retained earnings to average equity (ytd only) | 8.8399% | 1,038 |
| Net charge-offs to loans | -0.0326% | 5,714 |
| Credit loss provision to net charge-offs | 47.5806% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2802% | 5,716 |
| Assets per employee ($millions) | 8.4925% | 398 |
| Cash dividends to net income (ytd only)* | 39.8183% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 5,839 |
| Loan loss allowance to noncurrent loans | 222.8141% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 5,225 |
| Noncurrent loans to loans | 0.3868% | 4,832 |
| Net loans and leases to total assets | 67.7345% | 2,454 |
| Net loans and leases to deposits | 78.2378% | 2,766 |
| Net loans and leases to core deposits | 88.1106% | 2,305 |
| Total domestic deposits to total assets | 86.5752% | 2,717 |
| Equity capital to assets | 7.5587% | 6,338 |
| Core capital (leverage) ratio | 7.5662% | 6,291 |
| Tier 1 risk-based capital ratio | 10.8965% | 6,094 |
| Total risk-based capital ratio | 11.7723% | 6,190 |
| Memoranda: | ||
| Average total assets | $1,119,524,670 | 598 |
| Average earning assets | $1,061,549,330 | 573 |
| Average equity | $82,444,330 | 889 |
| Average total loans | $760,758,330 | 571 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8620% | 4,235 |
| Cost of funding earning assets | 0.4421% | 3,516 |
| Net interest margin | 3.4199% | 4,024 |
| Noninterest income to average assets | 0.4766% | 3,588 |
| Noninterest expense to average assets | 2.1171% | 5,647 |
| Loan and lease loss provision to assets | 0.0111% | 3,684 |
| Net operating income to assets | 1.0280% | 2,092 |
| Return on assets (ROA) | 1.0311% | 2,155 |
| Pretax return on assets | 1.5964% | 1,179 |
| Return on Equity (ROE) | 14.1913% | 911 |
| Retained earnings to average equity (ytd only) | 8.4121% | 1,453 |
| Net charge-offs to loans | 0.0498% | 2,684 |
| Credit loss provision to net charge-offs | 32.9787% | 2,369 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 781 |
| Efficiency ratio | 56.9182% | 5,763 |
| Assets per employee ($millions) | 8.6424% | 381 |
| Cash dividends to net income (ytd only)* | 40.7240% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 5,951 |
| Loan loss allowance to noncurrent loans | 283.5652% | 1,566 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 5,582 |
| Noncurrent loans to loans | 0.3061% | 5,194 |
| Net loans and leases to total assets | 66.2879% | 2,514 |
| Net loans and leases to deposits | 75.2086% | 2,920 |
| Net loans and leases to core deposits | 86.6165% | 2,248 |
| Total domestic deposits to total assets | 88.1387% | 2,148 |
| Equity capital to assets | 7.3201% | 6,372 |
| Core capital (leverage) ratio | 7.5151% | 6,332 |
| Tier 1 risk-based capital ratio | 10.8915% | 6,200 |
| Total risk-based capital ratio | 11.7711% | 6,292 |
| Memoranda: | ||
| Average total assets | $1,114,537,500 | 609 |
| Average earning assets | $1,056,875,000 | 581 |
| Average equity | $80,979,000 | 906 |
| Average total loans | $755,281,500 | 579 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 4,111 |
| Cost of funding earning assets | 0.4909% | 3,698 |
| Net interest margin | 3.5011% | 3,910 |
| Noninterest income to average assets | 0.4850% | 3,856 |
| Noninterest expense to average assets | 2.2337% | 5,545 |
| Loan and lease loss provision to assets | 0.0018% | 5,076 |
| Net operating income to assets | 1.0979% | 1,944 |
| Return on assets (ROA) | 1.1104% | 1,971 |
| Pretax return on assets | 1.5902% | 1,196 |
| Return on Equity (ROE) | 15.2410% | 717 |
| Retained earnings to average equity (ytd only) | 8.7250% | 843 |
| Net charge-offs to loans | 0.0118% | 5,220 |
| Credit loss provision to net charge-offs | 22.6190% | 4,400 |
| Earnings coverage of net charge-offs (x) | 200.9286% | 223 |
| Efficiency ratio | 58.6648% | 5,654 |
| Assets per employee ($millions) | 8.5043% | 393 |
| Cash dividends to net income (ytd only)* | 42.7528% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8674% | 6,017 |
| Loan loss allowance to noncurrent loans | 268.3782% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 5,609 |
| Noncurrent loans to loans | 0.3232% | 5,214 |
| Net loans and leases to total assets | 68.0832% | 2,346 |
| Net loans and leases to deposits | 82.1361% | 2,165 |
| Net loans and leases to core deposits | 91.2272% | 1,883 |
| Total domestic deposits to total assets | 82.8907% | 4,582 |
| Equity capital to assets | 7.2104% | 6,397 |
| Core capital (leverage) ratio | 7.5209% | 6,361 |
| Tier 1 risk-based capital ratio | 10.4986% | 6,364 |
| Total risk-based capital ratio | 11.3733% | 6,443 |
| Memoranda: | ||
| Average total assets | $1,072,398,000 | 613 |
| Average earning assets | $1,017,711,800 | 587 |
| Average equity | $78,131,600 | 915 |
| Average total loans | $712,963,200 | 591 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 4,105 |
| Cost of funding earning assets | 0.4980% | 3,785 |
| Net interest margin | 3.5086% | 3,845 |
| Noninterest income to average assets | 0.4816% | 3,930 |
| Noninterest expense to average assets | 2.2481% | 5,482 |
| Loan and lease loss provision to assets | -0.0405% | 6,534 |
| Net operating income to assets | 1.0583% | 2,155 |
| Return on assets (ROA) | 1.0752% | 2,181 |
| Pretax return on assets | 1.6341% | 1,255 |
| Return on Equity (ROE) | 14.7179% | 853 |
| Retained earnings to average equity (ytd only) | 7.7011% | 1,550 |
| Net charge-offs to loans | -0.0373% | 6,219 |
| Credit loss provision to net charge-offs | 164.7959% | 1,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9132% | 5,568 |
| Assets per employee ($millions) | 8.7373% | 350 |
| Cash dividends to net income (ytd only)* | 47.6751% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,069 |
| Loan loss allowance to noncurrent loans | 199.8162% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 5,502 |
| Noncurrent loans to loans | 0.4472% | 5,083 |
| Net loans and leases to total assets | 66.7819% | 2,502 |
| Net loans and leases to deposits | 78.4392% | 2,596 |
| Net loans and leases to core deposits | 88.0242% | 2,189 |
| Total domestic deposits to total assets | 85.1384% | 3,670 |
| Equity capital to assets | 7.1505% | 6,505 |
| Core capital (leverage) ratio | 7.3402% | 6,498 |
| Tier 1 risk-based capital ratio | 10.6777% | 6,398 |
| Total risk-based capital ratio | 11.5859% | 6,466 |
| Memoranda: | ||
| Average total assets | $1,064,106,250 | 624 |
| Average earning assets | $1,011,235,250 | 592 |
| Average equity | $77,735,500 | 929 |
| Average total loans | $701,381,500 | 600 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0121% | 4,052 |
| Cost of funding earning assets | 0.5030% | 3,873 |
| Net interest margin | 3.5092% | 3,742 |
| Noninterest income to average assets | 0.4831% | 3,945 |
| Noninterest expense to average assets | 2.2101% | 5,608 |
| Loan and lease loss provision to assets | -0.1329% | 6,736 |
| Net operating income to assets | 1.1102% | 1,894 |
| Return on assets (ROA) | 1.1191% | 1,981 |
| Pretax return on assets | 1.7603% | 998 |
| Return on Equity (ROE) | 15.2087% | 769 |
| Retained earnings to average equity (ytd only) | 8.5501% | 1,272 |
| Net charge-offs to loans | -0.1177% | 6,544 |
| Credit loss provision to net charge-offs | 172.7273% | 1,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8042% | 5,764 |
| Assets per employee ($millions) | 8.3138% | 412 |
| Cash dividends to net income (ytd only)* | 43.7817% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 6,125 |
| Loan loss allowance to noncurrent loans | 211.5513% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 5,648 |
| Noncurrent loans to loans | 0.4269% | 5,195 |
| Net loans and leases to total assets | 65.0148% | 2,754 |
| Net loans and leases to deposits | 78.7334% | 2,491 |
| Net loans and leases to core deposits | 89.0368% | 2,000 |
| Total domestic deposits to total assets | 82.5758% | 4,861 |
| Equity capital to assets | 7.0989% | 6,579 |
| Core capital (leverage) ratio | 7.1770% | 6,570 |
| Tier 1 risk-based capital ratio | 10.8953% | 6,380 |
| Total risk-based capital ratio | 11.8131% | 6,459 |
| Memoranda: | ||
| Average total assets | $1,057,666,670 | 626 |
| Average earning assets | $1,006,795,330 | 593 |
| Average equity | $77,824,000 | 930 |
| Average total loans | $691,823,330 | 603 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 4,157 |
| Cost of funding earning assets | 0.4995% | 4,096 |
| Net interest margin | 3.4915% | 3,733 |
| Noninterest income to average assets | 0.5321% | 3,553 |
| Noninterest expense to average assets | 2.1861% | 5,727 |
| Loan and lease loss provision to assets | -0.0545% | 6,794 |
| Net operating income to assets | 1.0932% | 1,884 |
| Return on assets (ROA) | 1.1113% | 1,921 |
| Pretax return on assets | 1.7565% | 959 |
| Return on Equity (ROE) | 14.8368% | 800 |
| Retained earnings to average equity (ytd only) | 9.2896% | 1,289 |
| Net charge-offs to loans | -0.0356% | 5,975 |
| Credit loss provision to net charge-offs | 234.4262% | 970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6410% | 6,002 |
| Assets per employee ($millions) | 8.2951% | 436 |
| Cash dividends to net income (ytd only)* | 37.3886% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9554% | 6,119 |
| Loan loss allowance to noncurrent loans | 218.4569% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 5,717 |
| Noncurrent loans to loans | 0.4373% | 5,327 |
| Net loans and leases to total assets | 63.6422% | 2,782 |
| Net loans and leases to deposits | 72.8003% | 3,084 |
| Net loans and leases to core deposits | 83.4816% | 2,393 |
| Total domestic deposits to total assets | 87.4203% | 2,678 |
| Equity capital to assets | 7.4031% | 6,623 |
| Core capital (leverage) ratio | 7.2362% | 6,569 |
| Tier 1 risk-based capital ratio | 10.8076% | 6,484 |
| Total risk-based capital ratio | 11.7675% | 6,553 |
| Memoranda: | ||
| Average total assets | $1,050,259,500 | 640 |
| Average earning assets | $1,000,953,000 | 605 |
| Average equity | $78,669,000 | 935 |
| Average total loans | $685,922,000 | 612 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 4,809 |
| Cost of funding earning assets | 0.5885% | 4,459 |
| Net interest margin | 3.5502% | 4,300 |
| Noninterest income to average assets | 0.5063% | 3,856 |
| Noninterest expense to average assets | 2.3655% | 5,511 |
| Loan and lease loss provision to assets | 0.0903% | 4,564 |
| Net operating income to assets | 1.0505% | 2,122 |
| Return on assets (ROA) | 1.0591% | 2,281 |
| Pretax return on assets | 1.4442% | 1,877 |
| Return on Equity (ROE) | 13.8454% | 1,018 |
| Retained earnings to average equity (ytd only) | 1.5768% | 5,085 |
| Net charge-offs to loans | 0.1402% | 4,290 |
| Credit loss provision to net charge-offs | 101.8952% | 2,962 |
| Earnings coverage of net charge-offs (x) | 17.1817% | 1,522 |
| Efficiency ratio | 60.8405% | 5,409 |
| Assets per employee ($millions) | 8.3101% | 440 |
| Cash dividends to net income (ytd only)* | 88.6111% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9720% | 6,058 |
| Loan loss allowance to noncurrent loans | 195.3304% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.3339% | 5,664 |
| Noncurrent loans to loans | 0.4976% | 5,289 |
| Net loans and leases to total assets | 65.7585% | 2,563 |
| Net loans and leases to deposits | 76.2953% | 2,752 |
| Net loans and leases to core deposits | 85.0284% | 2,423 |
| Total domestic deposits to total assets | 86.1894% | 3,260 |
| Equity capital to assets | 7.5811% | 6,603 |
| Core capital (leverage) ratio | 7.3497% | 6,563 |
| Tier 1 risk-based capital ratio | 10.5426% | 6,536 |
| Total risk-based capital ratio | 11.5146% | 6,596 |
| Memoranda: | ||
| Average total assets | $1,012,260,000 | 658 |
| Average earning assets | $964,221,400 | 616 |
| Average equity | $77,433,600 | 909 |
| Average total loans | $639,614,600 | 648 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1425% | 5,029 |
| Cost of funding earning assets | 0.6068% | 4,578 |
| Net interest margin | 3.5357% | 4,502 |
| Noninterest income to average assets | 0.5021% | 3,916 |
| Noninterest expense to average assets | 2.2158% | 5,916 |
| Loan and lease loss provision to assets | 0.0795% | 4,639 |
| Net operating income to assets | 1.0108% | 2,447 |
| Return on assets (ROA) | 1.0206% | 2,637 |
| Pretax return on assets | 1.5941% | 1,596 |
| Return on Equity (ROE) | 13.3120% | 1,266 |
| Retained earnings to average equity (ytd only) | 0.3693% | 5,976 |
| Net charge-offs to loans | 0.1699% | 3,745 |
| Credit loss provision to net charge-offs | 75.0312% | 3,767 |
| Earnings coverage of net charge-offs (x) | 15.6430% | 1,745 |
| Efficiency ratio | 57.2019% | 5,896 |
| Assets per employee ($millions) | 8.1401% | 458 |
| Cash dividends to net income (ytd only)* | 97.2258% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9965% | 6,100 |
| Loan loss allowance to noncurrent loans | 232.1068% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.2828% | 5,993 |
| Noncurrent loans to loans | 0.4293% | 5,587 |
| Net loans and leases to total assets | 63.3312% | 3,150 |
| Net loans and leases to deposits | 72.7823% | 3,478 |
| Net loans and leases to core deposits | 81.4751% | 3,024 |
| Total domestic deposits to total assets | 87.0145% | 2,660 |
| Equity capital to assets | 7.7963% | 6,679 |
| Core capital (leverage) ratio | 7.2424% | 6,736 |
| Tier 1 risk-based capital ratio | 10.9549% | 6,501 |
| Total risk-based capital ratio | 11.9470% | 6,590 |
| Memoranda: | ||
| Average total assets | $1,007,711,500 | 665 |
| Average earning assets | $960,905,000 | 622 |
| Average equity | $77,262,000 | 911 |
| Average total loans | $628,452,750 | 661 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1388% | 5,167 |
| Cost of funding earning assets | 0.6255% | 4,673 |
| Net interest margin | 3.5133% | 4,610 |
| Noninterest income to average assets | 0.5074% | 3,879 |
| Noninterest expense to average assets | 2.2153% | 5,959 |
| Loan and lease loss provision to assets | 0.0570% | 4,948 |
| Net operating income to assets | 1.0192% | 2,386 |
| Return on assets (ROA) | 1.0344% | 2,543 |
| Pretax return on assets | 1.6129% | 1,507 |
| Return on Equity (ROE) | 13.5678% | 1,215 |
| Retained earnings to average equity (ytd only) | 3.1491% | 4,527 |
| Net charge-offs to loans | 0.1163% | 4,007 |
| Credit loss provision to net charge-offs | 79.2818% | 3,340 |
| Earnings coverage of net charge-offs (x) | 22.8950% | 1,272 |
| Efficiency ratio | 57.3750% | 5,946 |
| Assets per employee ($millions) | 8.0904% | 451 |
| Cash dividends to net income (ytd only)* | 76.7902% | 871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 6,045 |
| Loan loss allowance to noncurrent loans | 210.9682% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 5,985 |
| Noncurrent loans to loans | 0.4872% | 5,556 |
| Net loans and leases to total assets | 62.4538% | 3,344 |
| Net loans and leases to deposits | 72.7859% | 3,487 |
| Net loans and leases to core deposits | 80.5670% | 3,139 |
| Total domestic deposits to total assets | 85.8048% | 3,452 |
| Equity capital to assets | 7.7540% | 6,692 |
| Core capital (leverage) ratio | 7.2183% | 6,748 |
| Tier 1 risk-based capital ratio | 11.2132% | 6,391 |
| Total risk-based capital ratio | 12.2347% | 6,487 |
| Memoranda: | ||
| Average total assets | $1,007,159,000 | 663 |
| Average earning assets | $961,445,670 | 619 |
| Average equity | $76,785,000 | 914 |
| Average total loans | $622,710,670 | 670 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 5,375 |
| Cost of funding earning assets | 0.6421% | 4,801 |
| Net interest margin | 3.4802% | 4,790 |
| Noninterest income to average assets | 0.5074% | 3,863 |
| Noninterest expense to average assets | 2.2486% | 5,902 |
| Loan and lease loss provision to assets | -0.0525% | 7,145 |
| Net operating income to assets | 1.0447% | 2,310 |
| Return on assets (ROA) | 1.0443% | 2,501 |
| Pretax return on assets | 1.6349% | 1,469 |
| Return on Equity (ROE) | 13.8162% | 1,223 |
| Retained earnings to average equity (ytd only) | 0.6529% | 5,799 |
| Net charge-offs to loans | 0.0345% | 4,209 |
| Credit loss provision to net charge-offs | -249.0566% | 5,634 |
| Earnings coverage of net charge-offs (x) | 75.0377% | 448 |
| Efficiency ratio | 58.6891% | 5,817 |
| Assets per employee ($millions) | 8.3395% | 419 |
| Cash dividends to net income (ytd only)* | 95.2744% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0594% | 6,050 |
| Loan loss allowance to noncurrent loans | 173.0811% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3769% | 5,936 |
| Noncurrent loans to loans | 0.6121% | 5,436 |
| Net loans and leases to total assets | 58.2457% | 3,995 |
| Net loans and leases to deposits | 66.4635% | 4,307 |
| Net loans and leases to core deposits | 76.8525% | 3,494 |
| Total domestic deposits to total assets | 87.6356% | 2,569 |
| Equity capital to assets | 7.3516% | 6,832 |
| Core capital (leverage) ratio | 7.2845% | 6,733 |
| Tier 1 risk-based capital ratio | 11.1889% | 6,451 |
| Total risk-based capital ratio | 12.2074% | 6,544 |
| Memoranda: | ||
| Average total assets | $1,005,085,500 | 664 |
| Average earning assets | $959,932,500 | 622 |
| Average equity | $75,969,000 | 918 |
| Average total loans | $614,987,000 | 679 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4703% | 5,179 |
| Cost of funding earning assets | 0.7897% | 4,941 |
| Net interest margin | 3.6806% | 4,385 |
| Noninterest income to average assets | 0.5594% | 3,433 |
| Noninterest expense to average assets | 2.3103% | 6,016 |
| Loan and lease loss provision to assets | -0.0920% | 7,274 |
| Net operating income to assets | 1.1741% | 1,589 |
| Return on assets (ROA) | 1.1727% | 1,703 |
| Pretax return on assets | 1.8335% | 750 |
| Return on Equity (ROE) | 15.1668% | 716 |
| Retained earnings to average equity (ytd only) | 11.1649% | 383 |
| Net charge-offs to loans | 0.0541% | 5,778 |
| Credit loss provision to net charge-offs | -267.1875% | 6,769 |
| Earnings coverage of net charge-offs (x) | 50.6219% | 551 |
| Efficiency ratio | 56.9919% | 6,187 |
| Assets per employee ($millions) | 8.0668% | 458 |
| Cash dividends to net income (ytd only)* | 26.3858% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0679% | 5,933 |
| Loan loss allowance to noncurrent loans | 152.1211% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 5,798 |
| Noncurrent loans to loans | 0.7020% | 5,293 |
| Net loans and leases to total assets | 62.9639% | 3,412 |
| Net loans and leases to deposits | 73.6775% | 3,548 |
| Net loans and leases to core deposits | 81.7352% | 3,221 |
| Total domestic deposits to total assets | 85.4588% | 3,616 |
| Equity capital to assets | 7.7776% | 6,700 |
| Core capital (leverage) ratio | 7.6419% | 6,573 |
| Tier 1 risk-based capital ratio | 11.1413% | 6,379 |
| Total risk-based capital ratio | 12.1867% | 6,466 |
| Memoranda: | ||
| Average total assets | $929,157,600 | 698 |
| Average earning assets | $882,103,800 | 669 |
| Average equity | $71,841,000 | 938 |
| Average total loans | $591,355,200 | 707 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 5,194 |
| Cost of funding earning assets | 0.8218% | 4,997 |
| Net interest margin | 3.7001% | 4,328 |
| Noninterest income to average assets | 0.5637% | 3,418 |
| Noninterest expense to average assets | 2.3462% | 5,914 |
| Loan and lease loss provision to assets | -0.1838% | 7,383 |
| Net operating income to assets | 1.2232% | 1,591 |
| Return on assets (ROA) | 1.2200% | 1,708 |
| Pretax return on assets | 1.9066% | 769 |
| Return on Equity (ROE) | 15.8044% | 708 |
| Retained earnings to average equity (ytd only) | 12.2746% | 471 |
| Net charge-offs to loans | 0.0397% | 5,596 |
| Credit loss provision to net charge-offs | -727.0115% | 6,719 |
| Earnings coverage of net charge-offs (x) | 68.3116% | 484 |
| Efficiency ratio | 57.5954% | 6,070 |
| Assets per employee ($millions) | 7.6693% | 542 |
| Cash dividends to net income (ytd only)* | 22.3348% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 5,950 |
| Loan loss allowance to noncurrent loans | 130.1594% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,757 |
| Noncurrent loans to loans | 0.8321% | 5,208 |
| Net loans and leases to total assets | 61.1772% | 3,906 |
| Net loans and leases to deposits | 70.5500% | 4,209 |
| Net loans and leases to core deposits | 78.6378% | 3,810 |
| Total domestic deposits to total assets | 86.7147% | 2,812 |
| Equity capital to assets | 8.0612% | 6,656 |
| Core capital (leverage) ratio | 7.6088% | 6,691 |
| Tier 1 risk-based capital ratio | 11.3780% | 6,313 |
| Total risk-based capital ratio | 12.4265% | 6,432 |
| Memoranda: | ||
| Average total assets | $917,427,250 | 721 |
| Average earning assets | $870,252,000 | 683 |
| Average equity | $70,822,250 | 959 |
| Average total loans | $583,891,250 | 727 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5338% | 5,250 |
| Cost of funding earning assets | 0.8346% | 5,169 |
| Net interest margin | 3.6993% | 4,261 |
| Noninterest income to average assets | 0.5427% | 3,533 |
| Noninterest expense to average assets | 2.4353% | 5,738 |
| Loan and lease loss provision to assets | -0.1666% | 7,444 |
| Net operating income to assets | 1.1502% | 1,717 |
| Return on assets (ROA) | 1.1405% | 1,825 |
| Pretax return on assets | 1.7750% | 924 |
| Return on Equity (ROE) | 15.0067% | 802 |
| Retained earnings to average equity (ytd only) | 11.3770% | 608 |
| Net charge-offs to loans | 0.0089% | 5,728 |
| Credit loss provision to net charge-offs | -2,903.8462% | 6,721 |
| Earnings coverage of net charge-offs (x) | 282.8846% | 121 |
| Efficiency ratio | 60.0054% | 5,875 |
| Assets per employee ($millions) | 7.5620% | 549 |
| Cash dividends to net income (ytd only)* | 24.1873% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2021% | 5,536 |
| Loan loss allowance to noncurrent loans | 115.8589% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 5,606 |
| Noncurrent loans to loans | 1.0375% | 4,921 |
| Net loans and leases to total assets | 61.6027% | 3,970 |
| Net loans and leases to deposits | 70.9851% | 4,295 |
| Net loans and leases to core deposits | 79.9012% | 3,800 |
| Total domestic deposits to total assets | 86.7826% | 2,867 |
| Equity capital to assets | 7.7539% | 6,836 |
| Core capital (leverage) ratio | 7.3809% | 6,822 |
| Tier 1 risk-based capital ratio | 10.9589% | 6,563 |
| Total risk-based capital ratio | 12.1144% | 6,588 |
| Memoranda: | ||
| Average total assets | $906,239,330 | 733 |
| Average earning assets | $861,301,000 | 698 |
| Average equity | $68,876,000 | 983 |
| Average total loans | $582,468,330 | 739 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5434% | 5,190 |
| Cost of funding earning assets | 0.8422% | 5,320 |
| Net interest margin | 3.7012% | 4,095 |
| Noninterest income to average assets | 0.5444% | 3,547 |
| Noninterest expense to average assets | 2.4781% | 5,634 |
| Loan and lease loss provision to assets | -0.3818% | 7,529 |
| Net operating income to assets | 1.2608% | 1,364 |
| Return on assets (ROA) | 1.2420% | 1,466 |
| Pretax return on assets | 1.9364% | 624 |
| Return on Equity (ROE) | 16.5172% | 622 |
| Retained earnings to average equity (ytd only) | 12.7837% | 622 |
| Net charge-offs to loans | 0.0612% | 4,315 |
| Credit loss provision to net charge-offs | -955.0562% | 6,102 |
| Earnings coverage of net charge-offs (x) | 39.6180% | 687 |
| Efficiency ratio | 61.0085% | 5,832 |
| Assets per employee ($millions) | 7.3619% | 620 |
| Cash dividends to net income (ytd only)* | 22.6040% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 5,693 |
| Loan loss allowance to noncurrent loans | 110.9675% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7432% | 5,448 |
| Noncurrent loans to loans | 1.0700% | 4,908 |
| Net loans and leases to total assets | 63.6563% | 3,511 |
| Net loans and leases to deposits | 73.1211% | 3,898 |
| Net loans and leases to core deposits | 84.3295% | 3,126 |
| Total domestic deposits to total assets | 87.0560% | 2,916 |
| Equity capital to assets | 7.6119% | 6,806 |
| Core capital (leverage) ratio | 7.5191% | 6,716 |
| Tier 1 risk-based capital ratio | 10.8642% | 6,602 |
| Total risk-based capital ratio | 12.0155% | 6,643 |
| Memoranda: | ||
| Average total assets | $890,516,500 | 754 |
| Average earning assets | $846,329,000 | 715 |
| Average equity | $66,960,500 | 1,002 |
| Average total loans | $581,369,000 | 751 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 5,210 |
| Cost of funding earning assets | 1.0185% | 5,598 |
| Net interest margin | 3.8376% | 3,788 |
| Noninterest income to average assets | 0.5822% | 3,579 |
| Noninterest expense to average assets | 2.4164% | 6,056 |
| Loan and lease loss provision to assets | 0.1456% | 5,730 |
| Net operating income to assets | 1.0736% | 1,784 |
| Return on assets (ROA) | 1.0774% | 1,864 |
| Pretax return on assets | 1.6450% | 1,044 |
| Return on Equity (ROE) | 14.3772% | 820 |
| Retained earnings to average equity (ytd only) | 10.0372% | 518 |
| Net charge-offs to loans | 0.0932% | 5,917 |
| Credit loss provision to net charge-offs | 234.0304% | 1,255 |
| Earnings coverage of net charge-offs (x) | 28.6882% | 752 |
| Efficiency ratio | 57.5205% | 6,391 |
| Assets per employee ($millions) | 7.1779% | 683 |
| Cash dividends to net income (ytd only)* | 30.1866% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3368% | 4,816 |
| Loan loss allowance to noncurrent loans | 108.6545% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 5,339 |
| Noncurrent loans to loans | 1.2304% | 4,670 |
| Net loans and leases to total assets | 65.2782% | 3,602 |
| Net loans and leases to deposits | 75.2145% | 3,980 |
| Net loans and leases to core deposits | 85.4322% | 3,408 |
| Total domestic deposits to total assets | 86.7893% | 2,935 |
| Equity capital to assets | 7.4251% | 6,920 |
| Core capital (leverage) ratio | 7.3351% | 6,825 |
| Tier 1 risk-based capital ratio | 10.5266% | 6,679 |
| Total risk-based capital ratio | 11.7774% | 6,659 |
| Memoranda: | ||
| Average total assets | $845,587,000 | 795 |
| Average earning assets | $797,380,000 | 765 |
| Average equity | $63,364,000 | 1,053 |
| Average total loans | $564,648,600 | 796 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 5,285 |
| Cost of funding earning assets | 1.0548% | 5,678 |
| Net interest margin | 3.8412% | 3,794 |
| Noninterest income to average assets | 0.5851% | 3,542 |
| Noninterest expense to average assets | 2.4202% | 5,969 |
| Loan and lease loss provision to assets | 0.2629% | 4,474 |
| Net operating income to assets | 0.9990% | 2,238 |
| Return on assets (ROA) | 1.0038% | 2,339 |
| Pretax return on assets | 1.5244% | 1,549 |
| Return on Equity (ROE) | 13.3635% | 1,170 |
| Retained earnings to average equity (ytd only) | 12.8329% | 366 |
| Net charge-offs to loans | 0.1084% | 5,453 |
| Credit loss provision to net charge-offs | 362.4176% | 858 |
| Earnings coverage of net charge-offs (x) | 24.5319% | 1,025 |
| Efficiency ratio | 57.6266% | 6,325 |
| Assets per employee ($millions) | 7.1733% | 715 |
| Cash dividends to net income (ytd only)* | 3.9708% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 4,336 |
| Loan loss allowance to noncurrent loans | 102.0288% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9896% | 5,104 |
| Noncurrent loans to loans | 1.3970% | 4,522 |
| Net loans and leases to total assets | 66.1161% | 3,661 |
| Net loans and leases to deposits | 76.2971% | 4,128 |
| Net loans and leases to core deposits | 88.9485% | 3,245 |
| Total domestic deposits to total assets | 86.6561% | 2,715 |
| Equity capital to assets | 7.7262% | 6,984 |
| Core capital (leverage) ratio | 7.5851% | 6,779 |
| Tier 1 risk-based capital ratio | 10.4938% | 6,782 |
| Total risk-based capital ratio | 11.7456% | 6,769 |
| Memoranda: | ||
| Average total assets | $836,262,500 | 805 |
| Average earning assets | $786,960,250 | 775 |
| Average equity | $62,816,250 | 1,068 |
| Average total loans | $559,775,750 | 809 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 5,245 |
| Cost of funding earning assets | 1.1013% | 5,661 |
| Net interest margin | 3.8345% | 3,740 |
| Noninterest income to average assets | 0.5852% | 3,446 |
| Noninterest expense to average assets | 2.4101% | 6,042 |
| Loan and lease loss provision to assets | 0.3314% | 3,746 |
| Net operating income to assets | 0.9428% | 2,393 |
| Return on assets (ROA) | 0.9505% | 2,449 |
| Pretax return on assets | 1.4603% | 1,669 |
| Return on Equity (ROE) | 12.7815% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.7815% | 403 |
| Net charge-offs to loans | 0.0156% | 6,125 |
| Credit loss provision to net charge-offs | 3,181.3953% | 131 |
| Earnings coverage of net charge-offs (x) | 170.8605% | 205 |
| Efficiency ratio | 57.5244% | 6,448 |
| Assets per employee ($millions) | 7.0916% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 3,920 |
| Loan loss allowance to noncurrent loans | 99.1996% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 5,025 |
| Noncurrent loans to loans | 1.5155% | 4,436 |
| Net loans and leases to total assets | 65.4335% | 3,953 |
| Net loans and leases to deposits | 76.4485% | 4,247 |
| Net loans and leases to core deposits | 90.1048% | 3,239 |
| Total domestic deposits to total assets | 85.5916% | 3,319 |
| Equity capital to assets | 7.6406% | 7,029 |
| Core capital (leverage) ratio | 7.2803% | 7,009 |
| Tier 1 risk-based capital ratio | 10.6462% | 6,569 |
| Total risk-based capital ratio | 11.8991% | 6,563 |
| Memoranda: | ||
| Average total assets | $825,693,330 | 824 |
| Average earning assets | $776,167,330 | 790 |
| Average equity | $61,401,330 | 1,083 |
| Average total loans | $552,312,330 | 835 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 5,191 |
| Cost of funding earning assets | 1.1023% | 5,895 |
| Net interest margin | 3.8586% | 3,519 |
| Noninterest income to average assets | 0.5697% | 3,490 |
| Noninterest expense to average assets | 2.4619% | 5,866 |
| Loan and lease loss provision to assets | 0.3831% | 3,070 |
| Net operating income to assets | 0.8920% | 2,579 |
| Return on assets (ROA) | 0.8944% | 2,639 |
| Pretax return on assets | 1.3534% | 1,892 |
| Return on Equity (ROE) | 12.2013% | 1,440 |
| Retained earnings to average equity (ytd only) | 12.2013% | 715 |
| Net charge-offs to loans | 0.2291% | 3,547 |
| Credit loss provision to net charge-offs | 249.0446% | 1,558 |
| Earnings coverage of net charge-offs (x) | 11.2643% | 1,663 |
| Efficiency ratio | 58.6944% | 6,380 |
| Assets per employee ($millions) | 6.9750% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 4,474 |
| Loan loss allowance to noncurrent loans | 112.3275% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 0.8290% | 5,497 |
| Noncurrent loans to loans | 1.2360% | 4,907 |
| Net loans and leases to total assets | 64.2559% | 4,276 |
| Net loans and leases to deposits | 74.9431% | 4,596 |
| Net loans and leases to core deposits | 92.8890% | 2,992 |
| Total domestic deposits to total assets | 85.7396% | 3,286 |
| Equity capital to assets | 7.2637% | 7,235 |
| Core capital (leverage) ratio | 7.3755% | 6,961 |
| Tier 1 risk-based capital ratio | 10.6580% | 6,482 |
| Total risk-based capital ratio | 11.9096% | 6,469 |
| Memoranda: | ||
| Average total assets | $816,591,500 | 846 |
| Average earning assets | $767,125,500 | 818 |
| Average equity | $59,862,500 | 1,114 |
| Average total loans | $548,159,000 | 857 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 5,474 |
| Cost of funding earning assets | 1.3904% | 5,974 |
| Net interest margin | 3.8469% | 3,499 |
| Noninterest income to average assets | 0.7827% | 2,493 |
| Noninterest expense to average assets | 2.5509% | 5,947 |
| Loan and lease loss provision to assets | 0.4369% | 4,206 |
| Net operating income to assets | 0.9431% | 2,031 |
| Return on assets (ROA) | 0.9460% | 2,072 |
| Pretax return on assets | 1.4255% | 1,373 |
| Return on Equity (ROE) | 13.7232% | 834 |
| Retained earnings to average equity (ytd only) | 11.0902% | 277 |
| Net charge-offs to loans | 0.3506% | 4,476 |
| Credit loss provision to net charge-offs | 182.4532% | 2,258 |
| Earnings coverage of net charge-offs (x) | 7.7574% | 2,080 |
| Efficiency ratio | 57.8625% | 6,786 |
| Assets per employee ($millions) | 6.7473% | 886 |
| Cash dividends to net income (ytd only)* | 19.1869% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,822 |
| Loan loss allowance to noncurrent loans | 88.1062% | 3,160 |
| Noncurrent assets plus other real estate owned to assets | 1.0235% | 5,060 |
| Noncurrent loans to loans | 1.4635% | 4,473 |
| Net loans and leases to total assets | 68.3033% | 3,635 |
| Net loans and leases to deposits | 80.5916% | 3,873 |
| Net loans and leases to core deposits | 101.0981% | 3,891 |
| Total domestic deposits to total assets | 84.7524% | 3,683 |
| Equity capital to assets | 7.4013% | 7,118 |
| Core capital (leverage) ratio | 7.3627% | 6,924 |
| Tier 1 risk-based capital ratio | 10.2658% | 6,621 |
| Total risk-based capital ratio | 11.5163% | 6,593 |
| Memoranda: | ||
| Average total assets | $759,195,200 | 901 |
| Average earning assets | $715,554,800 | 874 |
| Average equity | $52,334,600 | 1,270 |
| Average total loans | $518,579,800 | 923 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2631% | 5,614 |
| Cost of funding earning assets | 1.4398% | 6,083 |
| Net interest margin | 3.8232% | 3,561 |
| Noninterest income to average assets | 0.7894% | 2,491 |
| Noninterest expense to average assets | 2.5454% | 5,914 |
| Loan and lease loss provision to assets | 0.3019% | 4,560 |
| Net operating income to assets | 1.0210% | 1,985 |
| Return on assets (ROA) | 1.0251% | 2,043 |
| Pretax return on assets | 1.5606% | 1,262 |
| Return on Equity (ROE) | 15.1674% | 752 |
| Retained earnings to average equity (ytd only) | 11.5426% | 405 |
| Net charge-offs to loans | 0.3132% | 4,083 |
| Credit loss provision to net charge-offs | 141.6180% | 3,463 |
| Earnings coverage of net charge-offs (x) | 8.7064% | 2,210 |
| Efficiency ratio | 57.8324% | 6,740 |
| Assets per employee ($millions) | 6.4544% | 1,004 |
| Cash dividends to net income (ytd only)* | 23.8987% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1581% | 5,368 |
| Loan loss allowance to noncurrent loans | 116.7559% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7318% | 5,667 |
| Noncurrent loans to loans | 0.9919% | 5,322 |
| Net loans and leases to total assets | 67.2632% | 4,126 |
| Net loans and leases to deposits | 80.4519% | 4,309 |
| Net loans and leases to core deposits | 104.1463% | 3,917 |
| Total domestic deposits to total assets | 83.6067% | 3,902 |
| Equity capital to assets | 7.4681% | 7,316 |
| Core capital (leverage) ratio | 7.3387% | 7,150 |
| Tier 1 risk-based capital ratio | 10.5627% | 6,402 |
| Total risk-based capital ratio | 11.7305% | 6,442 |
| Memoranda: | ||
| Average total assets | $749,947,750 | 924 |
| Average earning assets | $708,493,500 | 892 |
| Average equity | $50,686,250 | 1,340 |
| Average total loans | $510,493,500 | 948 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2739% | 5,777 |
| Cost of funding earning assets | 1.4899% | 6,185 |
| Net interest margin | 3.7840% | 3,618 |
| Noninterest income to average assets | 0.7714% | 2,583 |
| Noninterest expense to average assets | 2.6119% | 5,695 |
| Loan and lease loss provision to assets | 0.3276% | 3,974 |
| Net operating income to assets | 0.9333% | 2,335 |
| Return on assets (ROA) | 0.9340% | 2,422 |
| Pretax return on assets | 1.4086% | 1,700 |
| Return on Equity (ROE) | 14.3434% | 934 |
| Retained earnings to average equity (ytd only) | 8.6375% | 1,024 |
| Net charge-offs to loans | 0.3133% | 3,620 |
| Credit loss provision to net charge-offs | 153.6030% | 2,998 |
| Earnings coverage of net charge-offs (x) | 8.1340% | 2,310 |
| Efficiency ratio | 60.0893% | 6,537 |
| Assets per employee ($millions) | 6.3053% | 1,055 |
| Cash dividends to net income (ytd only)* | 39.7806% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,230 |
| Loan loss allowance to noncurrent loans | 92.7396% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.8682% | 5,252 |
| Noncurrent loans to loans | 1.2465% | 4,716 |
| Net loans and leases to total assets | 68.1326% | 4,134 |
| Net loans and leases to deposits | 81.0561% | 4,382 |
| Net loans and leases to core deposits | 103.7333% | 4,093 |
| Total domestic deposits to total assets | 84.0561% | 3,735 |
| Equity capital to assets | 6.5089% | 7,815 |
| Core capital (leverage) ratio | 6.4038% | 7,834 |
| Tier 1 risk-based capital ratio | 9.0576% | 7,673 |
| Total risk-based capital ratio | 10.1963% | 7,754 |
| Memoranda: | ||
| Average total assets | $741,755,330 | 946 |
| Average earning assets | $700,851,330 | 914 |
| Average equity | $48,301,000 | 1,429 |
| Average total loans | $504,966,670 | 986 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2349% | 6,173 |
| Cost of funding earning assets | 1.5596% | 6,199 |
| Net interest margin | 3.6753% | 3,992 |
| Noninterest income to average assets | 0.7528% | 2,579 |
| Noninterest expense to average assets | 2.5025% | 5,837 |
| Loan and lease loss provision to assets | 0.2598% | 3,884 |
| Net operating income to assets | 0.9709% | 2,437 |
| Return on assets (ROA) | 0.9729% | 2,552 |
| Pretax return on assets | 1.4713% | 1,751 |
| Return on Equity (ROE) | 14.9372% | 986 |
| Retained earnings to average equity (ytd only) | 8.3467% | 1,683 |
| Net charge-offs to loans | 0.2231% | 3,303 |
| Credit loss provision to net charge-offs | 172.2022% | 2,488 |
| Earnings coverage of net charge-offs (x) | 11.4513% | 1,872 |
| Efficiency ratio | 59.1553% | 6,532 |
| Assets per employee ($millions) | 6.2723% | 1,054 |
| Cash dividends to net income (ytd only)* | 44.1209% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 5,003 |
| Loan loss allowance to noncurrent loans | 228.3635% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 6,470 |
| Noncurrent loans to loans | 0.5108% | 6,149 |
| Net loans and leases to total assets | 64.8032% | 4,843 |
| Net loans and leases to deposits | 76.4579% | 5,157 |
| Net loans and leases to core deposits | 96.9339% | 4,853 |
| Total domestic deposits to total assets | 84.7568% | 3,321 |
| Equity capital to assets | 6.4246% | 7,898 |
| Core capital (leverage) ratio | 6.5079% | 7,874 |
| Tier 1 risk-based capital ratio | 9.2117% | 7,664 |
| Total risk-based capital ratio | 10.3545% | 7,743 |
| Memoranda: | ||
| Average total assets | $734,312,500 | 948 |
| Average earning assets | $694,796,000 | 919 |
| Average equity | $47,827,000 | 1,439 |
| Average total loans | $496,676,000 | 1,013 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9137% | 5,968 |
| Cost of funding earning assets | 2.1633% | 5,767 |
| Net interest margin | 3.7503% | 4,224 |
| Noninterest income to average assets | 0.8212% | 2,400 |
| Noninterest expense to average assets | 2.5710% | 5,750 |
| Loan and lease loss provision to assets | 0.1919% | 4,966 |
| Net operating income to assets | 1.0488% | 2,355 |
| Return on assets (ROA) | 1.0635% | 2,198 |
| Pretax return on assets | 1.5875% | 1,421 |
| Return on Equity (ROE) | 16.2644% | 735 |
| Retained earnings to average equity (ytd only) | 5.0692% | 1,986 |
| Net charge-offs to loans | 0.2581% | 3,695 |
| Credit loss provision to net charge-offs | 109.3411% | 4,920 |
| Earnings coverage of net charge-offs (x) | 10.0117% | 2,587 |
| Efficiency ratio | 59.3966% | 6,457 |
| Assets per employee ($millions) | 6.0142% | 1,128 |
| Cash dividends to net income (ytd only)* | 68.8326% | 2,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 5,051 |
| Loan loss allowance to noncurrent loans | 299.2525% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2794% | 6,467 |
| Noncurrent loans to loans | 0.3778% | 6,221 |
| Net loans and leases to total assets | 69.0623% | 4,240 |
| Net loans and leases to deposits | 82.0947% | 4,713 |
| Net loans and leases to core deposits | 99.2361% | 4,903 |
| Total domestic deposits to total assets | 84.1252% | 3,257 |
| Equity capital to assets | 6.6078% | 7,902 |
| Core capital (leverage) ratio | 6.6398% | 7,880 |
| Tier 1 risk-based capital ratio | 9.2103% | 7,602 |
| Total risk-based capital ratio | 10.3392% | 7,689 |
| Memoranda: | ||
| Average total assets | $683,007,600 | 974 |
| Average earning assets | $638,742,000 | 951 |
| Average equity | $44,662,000 | 1,510 |
| Average total loans | $464,621,200 | 1,044 |