Home > The Bank of Tampa > Performance and Condition Ratios
The Bank of Tampa, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2083% | 3,611 |
| Cost of funding earning assets | 0.9978% | 3,300 |
| Net interest margin | 3.2105% | 2,852 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.0770% | 3,460 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 1.0577% | 2,048 |
| Return on assets (ROA) | 1.0222% | 2,126 |
| Pretax return on assets | 1.3178% | 1,821 |
| Return on Equity (ROE) | 15.6800% | 1,159 |
| Retained earnings to average equity (ytd only) | 9.4265% | 1,146 |
| Net charge-offs to loans | 0.1133% | 833 |
| Credit loss provision to net charge-offs | 230.6023% | 1,126 |
| Earnings coverage of net charge-offs (x) | 24.9783% | 1,738 |
| Efficiency ratio | 57.9009% | 3,306 |
| Assets per employee ($millions) | 10.4883% | 618 |
| Cash dividends to net income (ytd only)* | 39.8788% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2470% | 2,035 |
| Loan loss allowance to noncurrent loans | 1,902.3788% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0358% | 3,394 |
| Noncurrent loans to loans | 0.0655% | 3,244 |
| Net loans and leases to total assets | 53.9500% | 3,352 |
| Net loans and leases to deposits | 58.7602% | 3,594 |
| Net loans and leases to core deposits | 60.5656% | 3,745 |
| Total domestic deposits to total assets | 91.8200% | 334 |
| Equity capital to assets | 7.2458% | 3,846 |
| Core capital (leverage) ratio | 8.7408% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1291% | 1,501 |
| Memoranda: | ||
| Average total assets | $3,066,361,800 | 391 |
| Average earning assets | $2,877,845,200 | 375 |
| Average equity | $199,914,600 | 541 |
| Average total loans | $1,626,678,800 | 490 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 3,645 |
| Cost of funding earning assets | 0.8375% | 3,433 |
| Net interest margin | 3.2708% | 2,749 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.0842% | 3,392 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.1280% | 1,973 |
| Return on assets (ROA) | 1.1230% | 1,961 |
| Pretax return on assets | 1.4404% | 1,692 |
| Return on Equity (ROE) | 17.7200% | 981 |
| Retained earnings to average equity (ytd only) | 11.0696% | 1,147 |
| Net charge-offs to loans | 0.1531% | 551 |
| Credit loss provision to net charge-offs | 157.5970% | 1,288 |
| Earnings coverage of net charge-offs (x) | 19.5237% | 1,830 |
| Efficiency ratio | 56.8311% | 3,325 |
| Assets per employee ($millions) | 10.5718% | 563 |
| Cash dividends to net income (ytd only)* | 37.5140% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1862% | 2,436 |
| Loan loss allowance to noncurrent loans | 702.6002% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 2,984 |
| Noncurrent loans to loans | 0.1688% | 2,693 |
| Net loans and leases to total assets | 52.5000% | 3,460 |
| Net loans and leases to deposits | 56.3598% | 3,698 |
| Net loans and leases to core deposits | 57.8062% | 3,785 |
| Total domestic deposits to total assets | 93.1500% | 277 |
| Equity capital to assets | 5.9431% | 4,008 |
| Core capital (leverage) ratio | 8.7833% | 3,960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9211% | 1,588 |
| Memoranda: | ||
| Average total assets | $3,069,931,500 | 392 |
| Average earning assets | $2,878,672,750 | 376 |
| Average equity | $194,606,000 | 546 |
| Average total loans | $1,616,476,500 | 491 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,689 |
| Cost of funding earning assets | 0.5552% | 3,871 |
| Net interest margin | 3.4466% | 2,402 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.0904% | 3,368 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.2916% | 1,591 |
| Return on assets (ROA) | 1.2871% | 1,587 |
| Pretax return on assets | 1.6474% | 1,322 |
| Return on Equity (ROE) | 19.8900% | 715 |
| Retained earnings to average equity (ytd only) | 12.6260% | 868 |
| Net charge-offs to loans | -0.0280% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.8665% | 3,626 |
| Assets per employee ($millions) | 10.5495% | 567 |
| Cash dividends to net income (ytd only)* | 36.5112% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 2,168 |
| Loan loss allowance to noncurrent loans | 364.6214% | 1,910 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 2,274 |
| Noncurrent loans to loans | 0.3431% | 1,905 |
| Net loans and leases to total assets | 53.0500% | 3,338 |
| Net loans and leases to deposits | 57.3970% | 3,566 |
| Net loans and leases to core deposits | 57.9321% | 3,724 |
| Total domestic deposits to total assets | 92.4300% | 336 |
| Equity capital to assets | 6.6953% | 3,913 |
| Core capital (leverage) ratio | 8.7536% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8597% | 1,609 |
| Memoranda: | ||
| Average total assets | $3,064,256,667 | 381 |
| Average earning assets | $2,878,737,000 | 365 |
| Average equity | $198,320,667 | 529 |
| Average total loans | $1,608,579,333 | 480 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 3,788 |
| Cost of funding earning assets | 0.2596% | 4,278 |
| Net interest margin | 3.5764% | 2,176 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.1036% | 3,371 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.3877% | 1,440 |
| Return on assets (ROA) | 1.3868% | 1,412 |
| Pretax return on assets | 1.7727% | 1,123 |
| Return on Equity (ROE) | 21.8000% | 596 |
| Retained earnings to average equity (ytd only) | 16.6755% | 621 |
| Net charge-offs to loans | -0.0211% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.3955% | 3,746 |
| Assets per employee ($millions) | 10.7990% | 547 |
| Cash dividends to net income (ytd only)* | 23.5139% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 2,483 |
| Loan loss allowance to noncurrent loans | 468.2157% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 2,566 |
| Noncurrent loans to loans | 0.2593% | 2,220 |
| Net loans and leases to total assets | 51.5800% | 3,377 |
| Net loans and leases to deposits | 55.6464% | 3,585 |
| Net loans and leases to core deposits | 55.9695% | 3,745 |
| Total domestic deposits to total assets | 92.6900% | 354 |
| Equity capital to assets | 6.6797% | 3,973 |
| Core capital (leverage) ratio | 8.5973% | 4,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7999% | 1,683 |
| Memoranda: | ||
| Average total assets | $3,066,703,000 | 392 |
| Average earning assets | $2,887,244,500 | 378 |
| Average equity | $195,064,500 | 545 |
| Average total loans | $1,591,047,000 | 495 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0591% | 4,062 |
| Cost of funding earning assets | 0.1190% | 4,287 |
| Net interest margin | 2.9401% | 3,593 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 1.9391% | 3,746 |
| Loan and lease loss provision to assets | -0.2100% | 4,637 |
| Net operating income to assets | 1.2556% | 1,580 |
| Return on assets (ROA) | 1.2157% | 1,660 |
| Pretax return on assets | 1.5651% | 1,253 |
| Return on Equity (ROE) | 19.7900% | 500 |
| Retained earnings to average equity (ytd only) | 13.3704% | 463 |
| Net charge-offs to loans | 0.0135% | 1,875 |
| Credit loss provision to net charge-offs | -3,341.5842% | 4,697 |
| Earnings coverage of net charge-offs (x) | 224.2525% | 600 |
| Efficiency ratio | 57.7961% | 3,368 |
| Assets per employee ($millions) | 10.7220% | 539 |
| Cash dividends to net income (ytd only)* | 32.4269% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1272% | 2,751 |
| Loan loss allowance to noncurrent loans | 422.5279% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 2,567 |
| Noncurrent loans to loans | 0.2668% | 2,197 |
| Net loans and leases to total assets | 50.9700% | 3,434 |
| Net loans and leases to deposits | 54.7762% | 3,640 |
| Net loans and leases to core deposits | 55.0572% | 3,766 |
| Total domestic deposits to total assets | 93.0400% | 397 |
| Equity capital to assets | 6.0417% | 4,075 |
| Core capital (leverage) ratio | 7.5780% | 4,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4302% | 1,804 |
| Memoranda: | ||
| Average total assets | $3,221,699,000 | 371 |
| Average earning assets | $3,052,090,200 | 355 |
| Average equity | $197,937,200 | 534 |
| Average total loans | $1,497,813,800 | 480 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7601% | 4,234 |
| Cost of funding earning assets | 0.0589% | 4,537 |
| Net interest margin | 2.7012% | 3,923 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 1.8514% | 3,867 |
| Loan and lease loss provision to assets | -0.2100% | 4,682 |
| Net operating income to assets | 1.1428% | 1,921 |
| Return on assets (ROA) | 1.1401% | 1,902 |
| Pretax return on assets | 1.4632% | 1,521 |
| Return on Equity (ROE) | 18.4800% | 579 |
| Retained earnings to average equity (ytd only) | 12.5172% | 688 |
| Net charge-offs to loans | -0.0167% | 3,925 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.4695% | 3,189 |
| Assets per employee ($millions) | 11.2241% | 470 |
| Cash dividends to net income (ytd only)* | 32.2812% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,109 |
| Loan loss allowance to noncurrent loans | 650.5447% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 3,000 |
| Noncurrent loans to loans | 0.1973% | 2,613 |
| Net loans and leases to total assets | 47.2000% | 3,688 |
| Net loans and leases to deposits | 50.2515% | 3,839 |
| Net loans and leases to core deposits | 50.5107% | 3,923 |
| Total domestic deposits to total assets | 93.9300% | 374 |
| Equity capital to assets | 5.2632% | 4,201 |
| Core capital (leverage) ratio | 7.5202% | 4,573 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5234% | 1,868 |
| Memoranda: | ||
| Average total assets | $3,260,501,250 | 365 |
| Average earning assets | $3,091,594,750 | 348 |
| Average equity | $201,104,500 | 530 |
| Average total loans | $1,477,093,250 | 480 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5010% | 4,371 |
| Cost of funding earning assets | 0.0452% | 4,620 |
| Net interest margin | 2.4558% | 4,152 |
| Noninterest income to average assets | 0.5382% | 2,002 |
| Noninterest expense to average assets | 1.8032% | 3,945 |
| Loan and lease loss provision to assets | -0.1983% | 4,681 |
| Net operating income to assets | 0.9961% | 2,170 |
| Return on assets (ROA) | 0.9953% | 2,148 |
| Pretax return on assets | 1.2656% | 1,851 |
| Return on Equity (ROE) | 15.3998% | 817 |
| Retained earnings to average equity (ytd only) | 10.6788% | 852 |
| Net charge-offs to loans | -0.0306% | 4,043 |
| Credit loss provision to net charge-offs | 1,457.3991% | 311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5932% | 2,968 |
| Assets per employee ($millions) | 11.5667% | 427 |
| Cash dividends to net income (ytd only)* | 30.6560% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4606% | 1,516 |
| Loan loss allowance to noncurrent loans | 646.3139% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 2,986 |
| Noncurrent loans to loans | 0.2260% | 2,589 |
| Net loans and leases to total assets | 45.1306% | 3,757 |
| Net loans and leases to deposits | 48.6687% | 3,890 |
| Net loans and leases to core deposits | 48.9301% | 3,984 |
| Total domestic deposits to total assets | 92.7302% | 580 |
| Equity capital to assets | 5.9216% | 4,224 |
| Core capital (leverage) ratio | 7.2819% | 4,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7466% | 1,786 |
| Memoranda: | ||
| Average total assets | $3,277,303,667 | 360 |
| Average earning assets | $3,113,656,333 | 346 |
| Average equity | $211,821,333 | 509 |
| Average total loans | $1,457,813,333 | 480 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2508% | 4,499 |
| Cost of funding earning assets | 0.0487% | 4,612 |
| Net interest margin | 2.2020% | 4,347 |
| Noninterest income to average assets | 0.5619% | 1,860 |
| Noninterest expense to average assets | 1.7886% | 3,966 |
| Loan and lease loss provision to assets | -0.1519% | 4,647 |
| Net operating income to assets | 0.8033% | 2,645 |
| Return on assets (ROA) | 0.8016% | 2,647 |
| Pretax return on assets | 1.0211% | 2,375 |
| Return on Equity (ROE) | 11.9098% | 1,342 |
| Retained earnings to average equity (ytd only) | 8.2980% | 1,485 |
| Net charge-offs to loans | -0.0205% | 3,929 |
| Credit loss provision to net charge-offs | 1,689.1892% | 239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0246% | 2,629 |
| Assets per employee ($millions) | 12.0398% | 390 |
| Cash dividends to net income (ytd only)* | 30.3260% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 1,126 |
| Loan loss allowance to noncurrent loans | 762.5727% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 3,161 |
| Noncurrent loans to loans | 0.2180% | 2,726 |
| Net loans and leases to total assets | 41.6962% | 3,898 |
| Net loans and leases to deposits | 46.0392% | 3,969 |
| Net loans and leases to core deposits | 46.2927% | 4,058 |
| Total domestic deposits to total assets | 90.5667% | 1,260 |
| Equity capital to assets | 6.1983% | 4,532 |
| Core capital (leverage) ratio | 7.3405% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1544% | 1,744 |
| Memoranda: | ||
| Average total assets | $3,290,831,500 | 360 |
| Average earning assets | $3,135,295,000 | 346 |
| Average equity | $221,498,500 | 503 |
| Average total loans | $1,442,420,500 | 482 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6834% | 4,329 |
| Cost of funding earning assets | 0.0624% | 4,632 |
| Net interest margin | 2.6210% | 4,021 |
| Noninterest income to average assets | 0.5987% | 2,160 |
| Noninterest expense to average assets | 1.9541% | 3,807 |
| Loan and lease loss provision to assets | -0.0280% | 4,262 |
| Net operating income to assets | 0.9280% | 2,949 |
| Return on assets (ROA) | 0.9463% | 2,955 |
| Pretax return on assets | 1.1884% | 2,700 |
| Return on Equity (ROE) | 13.3317% | 1,365 |
| Retained earnings to average equity (ytd only) | 11.8548% | 552 |
| Net charge-offs to loans | 0.0264% | 1,712 |
| Credit loss provision to net charge-offs | -207.7922% | 3,525 |
| Earnings coverage of net charge-offs (x) | 84.5481% | 964 |
| Efficiency ratio | 63.1516% | 2,688 |
| Assets per employee ($millions) | 11.8483% | 417 |
| Cash dividends to net income (ytd only)* | 11.0783% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 1,070 |
| Loan loss allowance to noncurrent loans | 1,340.3680% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,584 |
| Noncurrent loans to loans | 0.1261% | 3,299 |
| Net loans and leases to total assets | 44.5458% | 3,796 |
| Net loans and leases to deposits | 49.8420% | 3,897 |
| Net loans and leases to core deposits | 50.1620% | 4,008 |
| Total domestic deposits to total assets | 89.3741% | 1,311 |
| Equity capital to assets | 7.2817% | 4,659 |
| Core capital (leverage) ratio | 7.3933% | 4,651 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1460% | 1,799 |
| Memoranda: | ||
| Average total assets | $2,861,541,000 | 389 |
| Average earning assets | $2,721,699,400 | 377 |
| Average equity | $203,125,000 | 533 |
| Average total loans | $1,458,277,000 | 477 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6136% | 4,490 |
| Cost of funding earning assets | 0.0654% | 4,710 |
| Net interest margin | 2.5482% | 4,208 |
| Noninterest income to average assets | 0.6140% | 2,153 |
| Noninterest expense to average assets | 1.8547% | 4,044 |
| Loan and lease loss provision to assets | -0.0289% | 4,389 |
| Net operating income to assets | 0.9580% | 3,054 |
| Return on assets (ROA) | 0.9836% | 3,055 |
| Pretax return on assets | 1.2409% | 2,797 |
| Return on Equity (ROE) | 13.9618% | 1,402 |
| Retained earnings to average equity (ytd only) | 12.9363% | 653 |
| Net charge-offs to loans | -0.0208% | 3,977 |
| Credit loss provision to net charge-offs | 264.3172% | 1,063 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1258% | 2,816 |
| Assets per employee ($millions) | 10.8536% | 497 |
| Cash dividends to net income (ytd only)* | 7.3450% | 3,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 790 |
| Loan loss allowance to noncurrent loans | 1,178.9401% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,601 |
| Noncurrent loans to loans | 0.1600% | 3,321 |
| Net loans and leases to total assets | 46.4325% | 3,760 |
| Net loans and leases to deposits | 52.2796% | 3,862 |
| Net loans and leases to core deposits | 52.5330% | 4,010 |
| Total domestic deposits to total assets | 88.8157% | 1,387 |
| Equity capital to assets | 7.0464% | 4,805 |
| Core capital (leverage) ratio | 7.3103% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5082% | 2,162 |
| Memoranda: | ||
| Average total assets | $2,768,276,500 | 403 |
| Average earning assets | $2,629,193,250 | 391 |
| Average equity | $195,022,500 | 561 |
| Average total loans | $1,456,434,000 | 484 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5727% | 4,565 |
| Cost of funding earning assets | 0.0656% | 4,764 |
| Net interest margin | 2.5070% | 4,291 |
| Noninterest income to average assets | 0.5664% | 2,349 |
| Noninterest expense to average assets | 1.8431% | 4,088 |
| Loan and lease loss provision to assets | -0.0439% | 4,505 |
| Net operating income to assets | 0.8995% | 3,220 |
| Return on assets (ROA) | 0.9350% | 3,194 |
| Pretax return on assets | 1.1940% | 2,929 |
| Return on Equity (ROE) | 13.2736% | 1,632 |
| Retained earnings to average equity (ytd only) | 11.7170% | 973 |
| Net charge-offs to loans | -0.0297% | 4,151 |
| Credit loss provision to net charge-offs | 271.4932% | 936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5136% | 2,661 |
| Assets per employee ($millions) | 10.5256% | 523 |
| Cash dividends to net income (ytd only)* | 11.7270% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 858 |
| Loan loss allowance to noncurrent loans | 1,626.9720% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.0568% | 3,852 |
| Noncurrent loans to loans | 0.1118% | 3,629 |
| Net loans and leases to total assets | 49.8475% | 3,570 |
| Net loans and leases to deposits | 56.8652% | 3,650 |
| Net loans and leases to core deposits | 57.1488% | 3,825 |
| Total domestic deposits to total assets | 87.6590% | 2,009 |
| Equity capital to assets | 7.1461% | 4,816 |
| Core capital (leverage) ratio | 7.1368% | 4,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6778% | 2,097 |
| Memoranda: | ||
| Average total assets | $2,735,920,667 | 403 |
| Average earning assets | $2,599,408,333 | 392 |
| Average equity | $192,729,000 | 561 |
| Average total loans | $1,489,900,667 | 482 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5843% | 4,581 |
| Cost of funding earning assets | 0.0662% | 4,805 |
| Net interest margin | 2.5181% | 4,272 |
| Noninterest income to average assets | 0.5221% | 2,515 |
| Noninterest expense to average assets | 1.8634% | 4,077 |
| Loan and lease loss provision to assets | 0.1324% | 1,031 |
| Net operating income to assets | 0.7279% | 3,642 |
| Return on assets (ROA) | 0.7834% | 3,540 |
| Pretax return on assets | 0.9898% | 3,398 |
| Return on Equity (ROE) | 11.2039% | 2,302 |
| Retained earnings to average equity (ytd only) | 8.0490% | 2,216 |
| Net charge-offs to loans | -0.0175% | 3,928 |
| Credit loss provision to net charge-offs | -1,343.2836% | 3,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9189% | 2,475 |
| Assets per employee ($millions) | 10.6875% | 488 |
| Cash dividends to net income (ytd only)* | 28.1584% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 955 |
| Loan loss allowance to noncurrent loans | 961.1567% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 3,671 |
| Noncurrent loans to loans | 0.1813% | 3,457 |
| Net loans and leases to total assets | 55.4718% | 3,099 |
| Net loans and leases to deposits | 63.1099% | 3,208 |
| Net loans and leases to core deposits | 63.4458% | 3,459 |
| Total domestic deposits to total assets | 87.8972% | 1,896 |
| Equity capital to assets | 6.8357% | 4,869 |
| Core capital (leverage) ratio | 7.0775% | 4,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3827% | 2,127 |
| Memoranda: | ||
| Average total assets | $2,719,768,000 | 403 |
| Average earning assets | $2,584,826,500 | 392 |
| Average equity | $190,184,000 | 558 |
| Average total loans | $1,532,117,000 | 470 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1503% | 4,505 |
| Cost of funding earning assets | 0.1084% | 4,845 |
| Net interest margin | 3.0419% | 3,777 |
| Noninterest income to average assets | 0.5666% | 2,348 |
| Noninterest expense to average assets | 2.1237% | 3,885 |
| Loan and lease loss provision to assets | 0.5596% | 390 |
| Net operating income to assets | 0.6024% | 3,748 |
| Return on assets (ROA) | 0.6600% | 3,684 |
| Pretax return on assets | 0.8236% | 3,570 |
| Return on Equity (ROE) | 8.2368% | 2,720 |
| Retained earnings to average equity (ytd only) | 6.2491% | 1,681 |
| Net charge-offs to loans | 0.1093% | 1,379 |
| Credit loss provision to net charge-offs | 826.9720% | 877 |
| Earnings coverage of net charge-offs (x) | 19.3779% | 1,983 |
| Efficiency ratio | 61.8266% | 3,169 |
| Assets per employee ($millions) | 10.4384% | 465 |
| Cash dividends to net income (ytd only)* | 24.1325% | 3,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 1,020 |
| Loan loss allowance to noncurrent loans | 727.4383% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 3,625 |
| Noncurrent loans to loans | 0.2348% | 3,357 |
| Net loans and leases to total assets | 55.2479% | 3,369 |
| Net loans and leases to deposits | 63.3598% | 3,487 |
| Net loans and leases to core deposits | 63.6870% | 3,711 |
| Total domestic deposits to total assets | 87.1971% | 1,842 |
| Equity capital to assets | 7.1515% | 4,901 |
| Core capital (leverage) ratio | 7.1522% | 4,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0888% | 2,204 |
| Memoranda: | ||
| Average total assets | $2,323,168,400 | 422 |
| Average earning assets | $2,190,631,000 | 409 |
| Average equity | $186,140,000 | 544 |
| Average total loans | $1,438,361,200 | 464 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3301% | 4,437 |
| Cost of funding earning assets | 0.1222% | 4,873 |
| Net interest margin | 3.2079% | 3,467 |
| Noninterest income to average assets | 0.5942% | 2,203 |
| Noninterest expense to average assets | 2.1964% | 3,689 |
| Loan and lease loss provision to assets | 0.5924% | 429 |
| Net operating income to assets | 0.6579% | 3,600 |
| Return on assets (ROA) | 0.7403% | 3,419 |
| Pretax return on assets | 0.9244% | 3,314 |
| Return on Equity (ROE) | 8.9478% | 2,417 |
| Retained earnings to average equity (ytd only) | 7.1396% | 1,632 |
| Net charge-offs to loans | 0.0479% | 1,927 |
| Credit loss provision to net charge-offs | 1,944.9902% | 488 |
| Earnings coverage of net charge-offs (x) | 46.4204% | 1,249 |
| Efficiency ratio | 60.8367% | 3,253 |
| Assets per employee ($millions) | 9.7557% | 551 |
| Cash dividends to net income (ytd only)* | 20.2086% | 2,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 1,424 |
| Loan loss allowance to noncurrent loans | 529.0422% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 3,546 |
| Noncurrent loans to loans | 0.2813% | 3,280 |
| Net loans and leases to total assets | 62.1910% | 2,985 |
| Net loans and leases to deposits | 71.9275% | 3,138 |
| Net loans and leases to core deposits | 72.3334% | 3,444 |
| Total domestic deposits to total assets | 86.4635% | 1,875 |
| Equity capital to assets | 7.4768% | 4,863 |
| Core capital (leverage) ratio | 7.3904% | 4,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0775% | 2,164 |
| Memoranda: | ||
| Average total assets | $2,228,077,250 | 428 |
| Average earning assets | $2,094,883,750 | 419 |
| Average equity | $184,339,250 | 538 |
| Average total loans | $1,418,051,250 | 463 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5549% | 4,343 |
| Cost of funding earning assets | 0.1420% | 4,899 |
| Net interest margin | 3.4128% | 3,061 |
| Noninterest income to average assets | 0.5873% | 2,179 |
| Noninterest expense to average assets | 2.2909% | 3,542 |
| Loan and lease loss provision to assets | 0.4618% | 827 |
| Net operating income to assets | 0.8254% | 2,959 |
| Return on assets (ROA) | 0.9301% | 2,709 |
| Pretax return on assets | 1.1697% | 2,465 |
| Return on Equity (ROE) | 10.8245% | 1,695 |
| Retained earnings to average equity (ytd only) | 8.0822% | 1,276 |
| Net charge-offs to loans | 0.0781% | 1,463 |
| Credit loss provision to net charge-offs | 926.2760% | 832 |
| Earnings coverage of net charge-offs (x) | 30.1002% | 1,434 |
| Efficiency ratio | 60.4201% | 3,359 |
| Assets per employee ($millions) | 9.5261% | 580 |
| Cash dividends to net income (ytd only)* | 25.3344% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,594 |
| Loan loss allowance to noncurrent loans | 569.4185% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 3,867 |
| Noncurrent loans to loans | 0.2080% | 3,637 |
| Net loans and leases to total assets | 62.7090% | 3,049 |
| Net loans and leases to deposits | 72.5818% | 3,206 |
| Net loans and leases to core deposits | 72.9952% | 3,519 |
| Total domestic deposits to total assets | 86.3976% | 1,845 |
| Equity capital to assets | 7.4703% | 4,887 |
| Core capital (leverage) ratio | 7.8128% | 4,824 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0277% | 2,167 |
| Memoranda: | ||
| Average total assets | $2,122,027,333 | 439 |
| Average earning assets | $1,992,427,333 | 429 |
| Average equity | $182,327,000 | 543 |
| Average total loans | $1,354,920,667 | 477 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8709% | 4,095 |
| Cost of funding earning assets | 0.1829% | 4,920 |
| Net interest margin | 3.6880% | 2,366 |
| Noninterest income to average assets | 0.6654% | 1,784 |
| Noninterest expense to average assets | 2.4753% | 3,348 |
| Loan and lease loss provision to assets | 0.1973% | 1,535 |
| Net operating income to assets | 1.1140% | 1,801 |
| Return on assets (ROA) | 1.2468% | 1,486 |
| Pretax return on assets | 1.6045% | 1,043 |
| Return on Equity (ROE) | 13.3708% | 808 |
| Retained earnings to average equity (ytd only) | 10.0292% | 744 |
| Net charge-offs to loans | 0.0428% | 1,604 |
| Credit loss provision to net charge-offs | 719.6970% | 708 |
| Earnings coverage of net charge-offs (x) | 59.5833% | 810 |
| Efficiency ratio | 60.2396% | 3,711 |
| Assets per employee ($millions) | 7.4476% | 914 |
| Cash dividends to net income (ytd only)* | 24.9917% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,525 |
| Loan loss allowance to noncurrent loans | 407.8947% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 3,735 |
| Noncurrent loans to loans | 0.3007% | 3,423 |
| Net loans and leases to total assets | 62.3709% | 3,259 |
| Net loans and leases to deposits | 74.6934% | 3,202 |
| Net loans and leases to core deposits | 75.2404% | 3,550 |
| Total domestic deposits to total assets | 83.5026% | 2,945 |
| Equity capital to assets | 9.2862% | 4,406 |
| Core capital (leverage) ratio | 9.4329% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1288% | 2,641 |
| Memoranda: | ||
| Average total assets | $1,925,596,000 | 462 |
| Average earning assets | $1,798,031,000 | 455 |
| Average equity | $179,556,000 | 548 |
| Average total loans | $1,234,400,500 | 499 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,739 |
| Cost of funding earning assets | 0.2370% | 4,881 |
| Net interest margin | 3.9905% | 1,883 |
| Noninterest income to average assets | 0.7017% | 1,815 |
| Noninterest expense to average assets | 2.7390% | 2,776 |
| Loan and lease loss provision to assets | 0.1802% | 1,154 |
| Net operating income to assets | 1.1955% | 2,073 |
| Return on assets (ROA) | 1.2295% | 2,036 |
| Pretax return on assets | 1.5369% | 1,695 |
| Return on Equity (ROE) | 13.2092% | 1,113 |
| Retained earnings to average equity (ytd only) | 10.1845% | 458 |
| Net charge-offs to loans | 0.1820% | 1,104 |
| Credit loss provision to net charge-offs | 148.0111% | 1,741 |
| Earnings coverage of net charge-offs (x) | 13.7558% | 2,331 |
| Efficiency ratio | 62.0586% | 3,371 |
| Assets per employee ($millions) | 7.0838% | 1,007 |
| Cash dividends to net income (ytd only)* | 22.8980% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,472 |
| Loan loss allowance to noncurrent loans | 207.2325% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.3782% | 2,899 |
| Noncurrent loans to loans | 0.5756% | 2,463 |
| Net loans and leases to total assets | 64.3444% | 3,151 |
| Net loans and leases to deposits | 76.1244% | 3,165 |
| Net loans and leases to core deposits | 76.6656% | 3,537 |
| Total domestic deposits to total assets | 84.5252% | 2,672 |
| Equity capital to assets | 9.3654% | 4,453 |
| Core capital (leverage) ratio | 9.3861% | 4,182 |
| Tier 1 risk-based capital ratio | 11.6858% | 4,533 |
| Total risk-based capital ratio | 12.6952% | 4,534 |
| Memoranda: | ||
| Average total assets | $1,775,951,200 | 474 |
| Average earning assets | $1,651,983,800 | 466 |
| Average equity | $165,309,400 | 560 |
| Average total loans | $1,188,129,200 | 493 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 3,735 |
| Cost of funding earning assets | 0.2478% | 4,928 |
| Net interest margin | 4.0272% | 1,842 |
| Noninterest income to average assets | 0.7109% | 1,737 |
| Noninterest expense to average assets | 2.7393% | 2,756 |
| Loan and lease loss provision to assets | 0.1522% | 1,238 |
| Net operating income to assets | 1.2598% | 1,987 |
| Return on assets (ROA) | 1.3000% | 1,943 |
| Pretax return on assets | 1.6102% | 1,599 |
| Return on Equity (ROE) | 13.9896% | 990 |
| Retained earnings to average equity (ytd only) | 11.1241% | 498 |
| Net charge-offs to loans | 0.1658% | 1,018 |
| Credit loss provision to net charge-offs | 136.2398% | 1,761 |
| Earnings coverage of net charge-offs (x) | 15.3338% | 2,193 |
| Efficiency ratio | 61.5299% | 3,401 |
| Assets per employee ($millions) | 7.0721% | 1,000 |
| Cash dividends to net income (ytd only)* | 20.4834% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 2,704 |
| Loan loss allowance to noncurrent loans | 168.3800% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 2,728 |
| Noncurrent loans to loans | 0.6907% | 2,233 |
| Net loans and leases to total assets | 63.5804% | 3,328 |
| Net loans and leases to deposits | 72.6748% | 3,581 |
| Net loans and leases to core deposits | 73.1543% | 3,878 |
| Total domestic deposits to total assets | 87.4861% | 1,262 |
| Equity capital to assets | 9.1973% | 4,667 |
| Core capital (leverage) ratio | 9.5180% | 4,148 |
| Tier 1 risk-based capital ratio | 11.6000% | 4,625 |
| Total risk-based capital ratio | 12.5871% | 4,646 |
| Memoranda: | ||
| Average total assets | $1,752,405,750 | 484 |
| Average earning assets | $1,627,852,500 | 473 |
| Average equity | $162,850,250 | 566 |
| Average total loans | $1,180,698,500 | 498 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 3,619 |
| Cost of funding earning assets | 0.2387% | 4,984 |
| Net interest margin | 4.0675% | 1,706 |
| Noninterest income to average assets | 0.6728% | 1,818 |
| Noninterest expense to average assets | 2.8141% | 2,536 |
| Loan and lease loss provision to assets | 0.1402% | 1,320 |
| Net operating income to assets | 1.2472% | 1,971 |
| Return on assets (ROA) | 1.2984% | 1,837 |
| Pretax return on assets | 1.5588% | 1,670 |
| Return on Equity (ROE) | 13.9193% | 1,002 |
| Retained earnings to average equity (ytd only) | 13.9193% | 233 |
| Net charge-offs to loans | 0.2180% | 766 |
| Credit loss provision to net charge-offs | 93.8967% | 2,085 |
| Earnings coverage of net charge-offs (x) | 10.9656% | 2,230 |
| Efficiency ratio | 63.2178% | 3,253 |
| Assets per employee ($millions) | 6.5914% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1189% | 2,974 |
| Loan loss allowance to noncurrent loans | 843.9270% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 4,274 |
| Noncurrent loans to loans | 0.1326% | 4,081 |
| Net loans and leases to total assets | 68.3630% | 2,772 |
| Net loans and leases to deposits | 78.4496% | 3,119 |
| Net loans and leases to core deposits | 79.0068% | 3,505 |
| Total domestic deposits to total assets | 87.1426% | 1,521 |
| Equity capital to assets | 9.7466% | 4,194 |
| Core capital (leverage) ratio | 9.8757% | 3,737 |
| Tier 1 risk-based capital ratio | 11.7078% | 4,565 |
| Total risk-based capital ratio | 12.6773% | 4,615 |
| Memoranda: | ||
| Average total assets | $1,711,835,000 | 494 |
| Average earning assets | $1,590,202,000 | 483 |
| Average equity | $159,677,670 | 577 |
| Average total loans | $1,172,400,670 | 504 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 3,547 |
| Cost of funding earning assets | 0.2300% | 5,041 |
| Net interest margin | 4.0722% | 1,631 |
| Noninterest income to average assets | 0.7523% | 1,424 |
| Noninterest expense to average assets | 2.8395% | 2,443 |
| Loan and lease loss provision to assets | 0.1411% | 1,214 |
| Net operating income to assets | 1.1821% | 2,121 |
| Return on assets (ROA) | 1.1871% | 2,151 |
| Pretax return on assets | 1.5591% | 1,581 |
| Return on Equity (ROE) | 13.0241% | 1,210 |
| Retained earnings to average equity (ytd only) | 13.0241% | 461 |
| Net charge-offs to loans | 0.1573% | 856 |
| Credit loss provision to net charge-offs | 131.5789% | 1,344 |
| Earnings coverage of net charge-offs (x) | 15.7961% | 1,727 |
| Efficiency ratio | 62.6362% | 3,441 |
| Assets per employee ($millions) | 6.8674% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 2,692 |
| Loan loss allowance to noncurrent loans | 406.8338% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 3,671 |
| Noncurrent loans to loans | 0.2899% | 3,525 |
| Net loans and leases to total assets | 64.9640% | 3,173 |
| Net loans and leases to deposits | 71.7790% | 3,617 |
| Net loans and leases to core deposits | 72.2922% | 3,922 |
| Total domestic deposits to total assets | 90.5055% | 288 |
| Equity capital to assets | 9.0658% | 4,634 |
| Core capital (leverage) ratio | 9.6134% | 4,007 |
| Tier 1 risk-based capital ratio | 11.6573% | 4,650 |
| Total risk-based capital ratio | 12.6711% | 4,685 |
| Memoranda: | ||
| Average total assets | $1,700,981,500 | 498 |
| Average earning assets | $1,579,401,500 | 490 |
| Average equity | $155,036,000 | 591 |
| Average total loans | $1,159,345,000 | 510 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0784% | 3,806 |
| Cost of funding earning assets | 0.1249% | 5,232 |
| Net interest margin | 3.9534% | 2,149 |
| Noninterest income to average assets | 0.7175% | 1,782 |
| Noninterest expense to average assets | 2.8636% | 2,473 |
| Loan and lease loss provision to assets | 0.0854% | 2,430 |
| Net operating income to assets | 1.2222% | 2,077 |
| Return on assets (ROA) | 1.2371% | 2,015 |
| Pretax return on assets | 1.4979% | 1,792 |
| Return on Equity (ROE) | 14.5078% | 937 |
| Retained earnings to average equity (ytd only) | 14.5078% | 138 |
| Net charge-offs to loans | -0.0554% | 5,005 |
| Credit loss provision to net charge-offs | -230.6425% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6574% | 3,091 |
| Assets per employee ($millions) | 6.3718% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 2,769 |
| Loan loss allowance to noncurrent loans | 336.3002% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 3,391 |
| Noncurrent loans to loans | 0.3449% | 3,311 |
| Net loans and leases to total assets | 69.9227% | 2,570 |
| Net loans and leases to deposits | 77.7350% | 3,194 |
| Net loans and leases to core deposits | 78.3442% | 3,548 |
| Total domestic deposits to total assets | 89.9501% | 495 |
| Equity capital to assets | 9.1666% | 4,431 |
| Core capital (leverage) ratio | 9.4508% | 4,170 |
| Tier 1 risk-based capital ratio | 11.2331% | 4,844 |
| Total risk-based capital ratio | 12.2239% | 4,880 |
| Memoranda: | ||
| Average total assets | $1,639,580,600 | 496 |
| Average earning assets | $1,539,191,200 | 484 |
| Average equity | $139,814,400 | 619 |
| Average total loans | $1,095,528,000 | 520 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9783% | 3,991 |
| Cost of funding earning assets | 0.1057% | 5,339 |
| Net interest margin | 3.8726% | 2,396 |
| Noninterest income to average assets | 0.7244% | 1,773 |
| Noninterest expense to average assets | 2.7899% | 2,668 |
| Loan and lease loss provision to assets | 0.0570% | 2,836 |
| Net operating income to assets | 1.1664% | 2,380 |
| Return on assets (ROA) | 1.1818% | 2,317 |
| Pretax return on assets | 1.5380% | 1,775 |
| Return on Equity (ROE) | 14.1241% | 1,087 |
| Retained earnings to average equity (ytd only) | 14.1241% | 239 |
| Net charge-offs to loans | -0.0863% | 5,123 |
| Credit loss provision to net charge-offs | -100.2865% | 4,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9109% | 3,202 |
| Assets per employee ($millions) | 6.4974% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 2,925 |
| Loan loss allowance to noncurrent loans | 169.0732% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 2,867 |
| Noncurrent loans to loans | 0.6784% | 2,383 |
| Net loans and leases to total assets | 65.7141% | 3,216 |
| Net loans and leases to deposits | 72.4790% | 3,731 |
| Net loans and leases to core deposits | 72.9901% | 4,012 |
| Total domestic deposits to total assets | 90.6664% | 300 |
| Equity capital to assets | 8.4002% | 4,982 |
| Core capital (leverage) ratio | 9.1293% | 4,589 |
| Tier 1 risk-based capital ratio | 10.9827% | 5,044 |
| Total risk-based capital ratio | 11.9397% | 5,085 |
| Memoranda: | ||
| Average total assets | $1,638,496,000 | 493 |
| Average earning assets | $1,540,464,250 | 479 |
| Average equity | $137,095,250 | 628 |
| Average total loans | $1,078,669,500 | 524 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 4,031 |
| Cost of funding earning assets | 0.0895% | 5,429 |
| Net interest margin | 3.8254% | 2,481 |
| Noninterest income to average assets | 0.7160% | 1,812 |
| Noninterest expense to average assets | 2.8145% | 2,623 |
| Loan and lease loss provision to assets | 0.0740% | 2,410 |
| Net operating income to assets | 1.1006% | 2,579 |
| Return on assets (ROA) | 1.1005% | 2,589 |
| Pretax return on assets | 1.4268% | 2,063 |
| Return on Equity (ROE) | 13.1713% | 1,311 |
| Retained earnings to average equity (ytd only) | 13.1713% | 356 |
| Net charge-offs to loans | -0.0194% | 4,553 |
| Credit loss provision to net charge-offs | -582.5243% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2195% | 3,117 |
| Assets per employee ($millions) | 6.5485% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,232 |
| Loan loss allowance to noncurrent loans | 154.0192% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 2,823 |
| Noncurrent loans to loans | 0.7169% | 2,319 |
| Net loans and leases to total assets | 66.1381% | 3,129 |
| Net loans and leases to deposits | 74.0509% | 3,525 |
| Net loans and leases to core deposits | 74.6257% | 3,832 |
| Total domestic deposits to total assets | 89.3144% | 808 |
| Equity capital to assets | 8.3470% | 5,049 |
| Core capital (leverage) ratio | 8.7796% | 4,901 |
| Tier 1 risk-based capital ratio | 10.5353% | 5,259 |
| Total risk-based capital ratio | 11.4384% | 5,308 |
| Memoranda: | ||
| Average total assets | $1,621,554,330 | 500 |
| Average earning assets | $1,525,751,330 | 486 |
| Average equity | $135,491,330 | 628 |
| Average total loans | $1,063,892,000 | 525 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 4,175 |
| Cost of funding earning assets | 0.0597% | 5,540 |
| Net interest margin | 3.7543% | 2,596 |
| Noninterest income to average assets | 0.7133% | 1,775 |
| Noninterest expense to average assets | 2.8113% | 2,655 |
| Loan and lease loss provision to assets | 0.0747% | 2,270 |
| Net operating income to assets | 1.0518% | 2,637 |
| Return on assets (ROA) | 1.0518% | 2,649 |
| Pretax return on assets | 1.3641% | 2,130 |
| Return on Equity (ROE) | 12.5807% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.5807% | 581 |
| Net charge-offs to loans | -0.0149% | 4,416 |
| Credit loss provision to net charge-offs | -769.2308% | 4,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1474% | 3,134 |
| Assets per employee ($millions) | 6.5111% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,209 |
| Loan loss allowance to noncurrent loans | 145.4176% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 2,816 |
| Noncurrent loans to loans | 0.7769% | 2,260 |
| Net loans and leases to total assets | 63.8108% | 3,334 |
| Net loans and leases to deposits | 69.9005% | 3,793 |
| Net loans and leases to core deposits | 70.5796% | 4,053 |
| Total domestic deposits to total assets | 91.2881% | 228 |
| Equity capital to assets | 8.3027% | 5,106 |
| Core capital (leverage) ratio | 8.8136% | 4,879 |
| Tier 1 risk-based capital ratio | 10.6006% | 5,321 |
| Total risk-based capital ratio | 11.5102% | 5,352 |
| Memoranda: | ||
| Average total assets | $1,607,215,500 | 508 |
| Average earning assets | $1,514,090,500 | 492 |
| Average equity | $134,364,500 | 635 |
| Average total loans | $1,044,029,000 | 539 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6112% | 4,551 |
| Cost of funding earning assets | 0.0581% | 5,597 |
| Net interest margin | 3.5531% | 3,329 |
| Noninterest income to average assets | 0.6536% | 2,179 |
| Noninterest expense to average assets | 2.4955% | 3,799 |
| Loan and lease loss provision to assets | 0.1012% | 2,204 |
| Net operating income to assets | 0.8216% | 3,073 |
| Return on assets (ROA) | 0.8299% | 3,071 |
| Pretax return on assets | 1.4008% | 1,982 |
| Return on Equity (ROE) | 9.9462% | 1,903 |
| Retained earnings to average equity (ytd only) | 6.8185% | 1,151 |
| Net charge-offs to loans | 0.1247% | 1,802 |
| Credit loss provision to net charge-offs | 126.8116% | 2,076 |
| Earnings coverage of net charge-offs (x) | 18.6530% | 2,067 |
| Efficiency ratio | 62.6290% | 3,838 |
| Assets per employee ($millions) | 6.6659% | 1,118 |
| Cash dividends to net income (ytd only)* | 31.4461% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,344 |
| Loan loss allowance to noncurrent loans | 136.8860% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 2,796 |
| Noncurrent loans to loans | 0.8052% | 2,200 |
| Net loans and leases to total assets | 64.6645% | 3,275 |
| Net loans and leases to deposits | 71.4090% | 3,748 |
| Net loans and leases to core deposits | 72.2504% | 4,033 |
| Total domestic deposits to total assets | 90.5551% | 375 |
| Equity capital to assets | 8.4184% | 5,177 |
| Core capital (leverage) ratio | 8.5009% | 5,135 |
| Tier 1 risk-based capital ratio | 10.1699% | 5,492 |
| Total risk-based capital ratio | 11.0441% | 5,533 |
| Memoranda: | ||
| Average total assets | $1,555,774,000 | 500 |
| Average earning assets | $1,458,531,400 | 488 |
| Average equity | $129,808,200 | 635 |
| Average total loans | $995,602,200 | 545 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 4,649 |
| Cost of funding earning assets | 0.0577% | 5,666 |
| Net interest margin | 3.5065% | 3,484 |
| Noninterest income to average assets | 0.6534% | 2,189 |
| Noninterest expense to average assets | 2.4952% | 3,755 |
| Loan and lease loss provision to assets | 0.0647% | 2,780 |
| Net operating income to assets | 0.9222% | 2,912 |
| Return on assets (ROA) | 0.9337% | 2,920 |
| Pretax return on assets | 1.3944% | 2,135 |
| Return on Equity (ROE) | 11.2170% | 1,601 |
| Retained earnings to average equity (ytd only) | 7.0119% | 1,682 |
| Net charge-offs to loans | -0.0301% | 4,998 |
| Credit loss provision to net charge-offs | -337.8378% | 4,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3782% | 3,657 |
| Assets per employee ($millions) | 6.7483% | 1,051 |
| Cash dividends to net income (ytd only)* | 37.4885% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 3,042 |
| Loan loss allowance to noncurrent loans | 151.4557% | 2,762 |
| Noncurrent assets plus other real estate owned to assets | 0.5090% | 3,036 |
| Noncurrent loans to loans | 0.7789% | 2,423 |
| Net loans and leases to total assets | 64.5781% | 3,311 |
| Net loans and leases to deposits | 70.9932% | 3,874 |
| Net loans and leases to core deposits | 71.8578% | 4,144 |
| Total domestic deposits to total assets | 90.9638% | 194 |
| Equity capital to assets | 8.4681% | 5,304 |
| Core capital (leverage) ratio | 8.5946% | 5,170 |
| Tier 1 risk-based capital ratio | 10.0009% | 5,602 |
| Total risk-based capital ratio | 10.9747% | 5,618 |
| Memoranda: | ||
| Average total assets | $1,546,427,750 | 509 |
| Average earning assets | $1,448,152,000 | 495 |
| Average equity | $128,730,500 | 646 |
| Average total loans | $984,080,250 | 555 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 4,751 |
| Cost of funding earning assets | 0.0582% | 5,705 |
| Net interest margin | 3.4478% | 3,600 |
| Noninterest income to average assets | 0.6499% | 2,204 |
| Noninterest expense to average assets | 2.5118% | 3,707 |
| Loan and lease loss provision to assets | 0.0260% | 3,481 |
| Net operating income to assets | 0.9081% | 2,874 |
| Return on assets (ROA) | 0.9248% | 2,838 |
| Pretax return on assets | 1.3630% | 2,156 |
| Return on Equity (ROE) | 11.1758% | 1,577 |
| Retained earnings to average equity (ytd only) | 6.2094% | 2,014 |
| Net charge-offs to loans | -0.0270% | 4,908 |
| Credit loss provision to net charge-offs | -152.6718% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8000% | 3,535 |
| Assets per employee ($millions) | 6.8574% | 981 |
| Cash dividends to net income (ytd only)* | 44.4382% | 2,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 3,286 |
| Loan loss allowance to noncurrent loans | 161.8410% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 3,311 |
| Noncurrent loans to loans | 0.7137% | 2,609 |
| Net loans and leases to total assets | 62.2939% | 3,593 |
| Net loans and leases to deposits | 68.2849% | 4,039 |
| Net loans and leases to core deposits | 69.3346% | 4,267 |
| Total domestic deposits to total assets | 91.2266% | 169 |
| Equity capital to assets | 8.2438% | 5,425 |
| Core capital (leverage) ratio | 8.5899% | 5,151 |
| Tier 1 risk-based capital ratio | 10.1946% | 5,581 |
| Total risk-based capital ratio | 11.1899% | 5,603 |
| Memoranda: | ||
| Average total assets | $1,537,786,330 | 514 |
| Average earning assets | $1,439,009,330 | 498 |
| Average equity | $127,257,670 | 654 |
| Average total loans | $969,601,670 | 561 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4909% | 4,718 |
| Cost of funding earning assets | 0.0601% | 5,768 |
| Net interest margin | 3.4308% | 3,522 |
| Noninterest income to average assets | 0.6600% | 2,139 |
| Noninterest expense to average assets | 2.5569% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8865% | 2,830 |
| Return on assets (ROA) | 0.8872% | 2,874 |
| Pretax return on assets | 1.3061% | 2,212 |
| Return on Equity (ROE) | 10.6995% | 1,671 |
| Retained earnings to average equity (ytd only) | 7.0133% | 1,843 |
| Net charge-offs to loans | -0.0940% | 5,433 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2073% | 3,466 |
| Assets per employee ($millions) | 6.7866% | 1,041 |
| Cash dividends to net income (ytd only)* | 34.4520% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 3,239 |
| Loan loss allowance to noncurrent loans | 136.7396% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5399% | 3,069 |
| Noncurrent loans to loans | 0.8650% | 2,302 |
| Net loans and leases to total assets | 61.6799% | 3,581 |
| Net loans and leases to deposits | 67.6746% | 4,019 |
| Net loans and leases to core deposits | 68.9834% | 4,223 |
| Total domestic deposits to total assets | 91.1418% | 260 |
| Equity capital to assets | 8.2617% | 5,377 |
| Core capital (leverage) ratio | 8.6135% | 5,140 |
| Tier 1 risk-based capital ratio | 10.6990% | 5,459 |
| Total risk-based capital ratio | 11.7694% | 5,452 |
| Memoranda: | ||
| Average total assets | $1,518,075,500 | 521 |
| Average earning assets | $1,416,817,500 | 507 |
| Average equity | $125,875,500 | 657 |
| Average total loans | $957,409,500 | 567 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4105% | 4,958 |
| Cost of funding earning assets | 0.0486% | 5,843 |
| Net interest margin | 3.3619% | 3,955 |
| Noninterest income to average assets | 0.6669% | 2,335 |
| Noninterest expense to average assets | 2.5799% | 3,741 |
| Loan and lease loss provision to assets | -0.0935% | 5,679 |
| Net operating income to assets | 0.9119% | 2,761 |
| Return on assets (ROA) | 0.9268% | 2,810 |
| Pretax return on assets | 1.3459% | 2,113 |
| Return on Equity (ROE) | 11.1988% | 1,506 |
| Retained earnings to average equity (ytd only) | 4.8736% | 2,430 |
| Net charge-offs to loans | 0.0945% | 2,356 |
| Credit loss provision to net charge-offs | -160.6308% | 4,963 |
| Earnings coverage of net charge-offs (x) | 21.1495% | 1,811 |
| Efficiency ratio | 67.7014% | 3,300 |
| Assets per employee ($millions) | 6.7982% | 1,008 |
| Cash dividends to net income (ytd only)* | 56.4806% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 3,311 |
| Loan loss allowance to noncurrent loans | 163.0925% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4571% | 3,434 |
| Noncurrent loans to loans | 0.7171% | 2,746 |
| Net loans and leases to total assets | 62.9905% | 3,482 |
| Net loans and leases to deposits | 69.4545% | 3,965 |
| Net loans and leases to core deposits | 70.8134% | 4,171 |
| Total domestic deposits to total assets | 90.6933% | 387 |
| Equity capital to assets | 8.3227% | 5,406 |
| Core capital (leverage) ratio | 8.5446% | 5,217 |
| Tier 1 risk-based capital ratio | 10.6790% | 5,495 |
| Total risk-based capital ratio | 11.7471% | 5,508 |
| Memoranda: | ||
| Average total assets | $1,470,899,400 | 514 |
| Average earning assets | $1,375,471,400 | 505 |
| Average equity | $121,736,800 | 657 |
| Average total loans | $906,111,600 | 556 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3942% | 5,035 |
| Cost of funding earning assets | 0.0470% | 5,913 |
| Net interest margin | 3.3472% | 4,038 |
| Noninterest income to average assets | 0.6883% | 2,220 |
| Noninterest expense to average assets | 2.5885% | 3,706 |
| Loan and lease loss provision to assets | -0.1252% | 5,817 |
| Net operating income to assets | 0.9231% | 2,792 |
| Return on assets (ROA) | 0.9438% | 2,818 |
| Pretax return on assets | 1.3870% | 2,085 |
| Return on Equity (ROE) | 11.4195% | 1,516 |
| Retained earnings to average equity (ytd only) | 3.1589% | 4,022 |
| Net charge-offs to loans | 0.0689% | 2,336 |
| Credit loss provision to net charge-offs | -297.6190% | 4,952 |
| Earnings coverage of net charge-offs (x) | 29.2816% | 1,514 |
| Efficiency ratio | 67.7636% | 3,270 |
| Assets per employee ($millions) | 6.6779% | 1,013 |
| Cash dividends to net income (ytd only)* | 72.3380% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,047 |
| Loan loss allowance to noncurrent loans | 166.4696% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 3,589 |
| Noncurrent loans to loans | 0.7403% | 2,820 |
| Net loans and leases to total assets | 61.0248% | 3,739 |
| Net loans and leases to deposits | 67.0377% | 4,244 |
| Net loans and leases to core deposits | 67.9407% | 4,474 |
| Total domestic deposits to total assets | 91.0305% | 192 |
| Equity capital to assets | 8.2515% | 5,648 |
| Core capital (leverage) ratio | 8.5033% | 5,356 |
| Tier 1 risk-based capital ratio | 11.2134% | 5,250 |
| Total risk-based capital ratio | 12.3982% | 5,203 |
| Memoranda: | ||
| Average total assets | $1,464,726,000 | 519 |
| Average earning assets | $1,370,419,500 | 507 |
| Average equity | $121,052,500 | 660 |
| Average total loans | $894,331,750 | 562 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,078 |
| Cost of funding earning assets | 0.0468% | 5,996 |
| Net interest margin | 3.3553% | 4,038 |
| Noninterest income to average assets | 0.6959% | 2,161 |
| Noninterest expense to average assets | 2.6075% | 3,700 |
| Loan and lease loss provision to assets | -0.0967% | 5,871 |
| Net operating income to assets | 0.9025% | 2,851 |
| Return on assets (ROA) | 0.9285% | 2,863 |
| Pretax return on assets | 1.3604% | 2,163 |
| Return on Equity (ROE) | 11.2289% | 1,562 |
| Retained earnings to average equity (ytd only) | -0.2991% | 5,339 |
| Net charge-offs to loans | -0.1493% | 5,738 |
| Credit loss provision to net charge-offs | 106.5449% | 2,008 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0291% | 3,338 |
| Assets per employee ($millions) | 6.5080% | 1,083 |
| Cash dividends to net income (ytd only)* | 102.6633% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 2,145 |
| Loan loss allowance to noncurrent loans | 160.4934% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.5576% | 3,349 |
| Noncurrent loans to loans | 0.8927% | 2,500 |
| Net loans and leases to total assets | 61.5660% | 3,674 |
| Net loans and leases to deposits | 67.5565% | 4,220 |
| Net loans and leases to core deposits | 68.4858% | 4,435 |
| Total domestic deposits to total assets | 91.1326% | 168 |
| Equity capital to assets | 8.2210% | 5,726 |
| Core capital (leverage) ratio | 8.3325% | 5,508 |
| Tier 1 risk-based capital ratio | 11.0348% | 5,407 |
| Total risk-based capital ratio | 12.2862% | 5,325 |
| Memoranda: | ||
| Average total assets | $1,447,670,670 | 525 |
| Average earning assets | $1,353,500,330 | 513 |
| Average equity | $119,708,670 | 669 |
| Average total loans | $880,238,000 | 571 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4120% | 5,100 |
| Cost of funding earning assets | 0.0447% | 6,060 |
| Net interest margin | 3.3673% | 3,985 |
| Noninterest income to average assets | 0.7042% | 2,024 |
| Noninterest expense to average assets | 2.6022% | 3,745 |
| Loan and lease loss provision to assets | -0.0561% | 5,949 |
| Net operating income to assets | 0.8915% | 2,798 |
| Return on assets (ROA) | 0.8915% | 2,925 |
| Pretax return on assets | 1.3040% | 2,286 |
| Return on Equity (ROE) | 10.7487% | 1,697 |
| Retained earnings to average equity (ytd only) | -11.5670% | 5,853 |
| Net charge-offs to loans | -0.3214% | 5,947 |
| Credit loss provision to net charge-offs | 29.1121% | 2,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5869% | 3,531 |
| Assets per employee ($millions) | 6.1893% | 1,280 |
| Cash dividends to net income (ytd only)* | 207.6125% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5957% | 1,619 |
| Loan loss allowance to noncurrent loans | 141.8619% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 2,983 |
| Noncurrent loans to loans | 1.1248% | 2,144 |
| Net loans and leases to total assets | 60.0712% | 3,761 |
| Net loans and leases to deposits | 66.1798% | 4,236 |
| Net loans and leases to core deposits | 67.0418% | 4,470 |
| Total domestic deposits to total assets | 90.7697% | 339 |
| Equity capital to assets | 8.3004% | 5,695 |
| Core capital (leverage) ratio | 8.2077% | 5,649 |
| Tier 1 risk-based capital ratio | 11.1566% | 5,421 |
| Total risk-based capital ratio | 12.4093% | 5,328 |
| Memoranda: | ||
| Average total assets | $1,426,339,000 | 531 |
| Average earning assets | $1,332,600,500 | 519 |
| Average equity | $118,302,500 | 677 |
| Average total loans | $854,919,000 | 581 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3634% | 5,239 |
| Cost of funding earning assets | 0.0495% | 6,106 |
| Net interest margin | 3.3139% | 4,235 |
| Noninterest income to average assets | 0.5936% | 2,751 |
| Noninterest expense to average assets | 2.5309% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8032% | 3,320 |
| Return on assets (ROA) | 0.8066% | 3,392 |
| Pretax return on assets | 1.1640% | 2,797 |
| Return on Equity (ROE) | 9.6801% | 2,145 |
| Retained earnings to average equity (ytd only) | 7.1021% | 1,237 |
| Net charge-offs to loans | 0.0441% | 3,332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 44.7103% | 1,082 |
| Efficiency ratio | 68.5890% | 3,466 |
| Assets per employee ($millions) | 6.4087% | 1,137 |
| Cash dividends to net income (ytd only)* | 26.6315% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5913% | 1,641 |
| Loan loss allowance to noncurrent loans | 123.7285% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7633% | 2,776 |
| Noncurrent loans to loans | 1.2861% | 1,830 |
| Net loans and leases to total assets | 57.8988% | 4,103 |
| Net loans and leases to deposits | 63.4515% | 4,510 |
| Net loans and leases to core deposits | 64.2067% | 4,730 |
| Total domestic deposits to total assets | 91.2489% | 225 |
| Equity capital to assets | 8.2879% | 5,712 |
| Core capital (leverage) ratio | 8.4656% | 5,461 |
| Tier 1 risk-based capital ratio | 11.6549% | 5,159 |
| Total risk-based capital ratio | 12.9072% | 5,070 |
| Memoranda: | ||
| Average total assets | $1,384,869,000 | 517 |
| Average earning assets | $1,293,914,400 | 502 |
| Average equity | $115,402,200 | 663 |
| Average total loans | $813,993,800 | 577 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3475% | 5,325 |
| Cost of funding earning assets | 0.0511% | 6,193 |
| Net interest margin | 3.2964% | 4,360 |
| Noninterest income to average assets | 0.5854% | 2,820 |
| Noninterest expense to average assets | 2.5235% | 4,125 |
| Loan and lease loss provision to assets | 0.0070% | 4,120 |
| Net operating income to assets | 0.7869% | 3,491 |
| Return on assets (ROA) | 0.7911% | 3,560 |
| Pretax return on assets | 1.1452% | 3,037 |
| Return on Equity (ROE) | 9.4821% | 2,319 |
| Retained earnings to average equity (ytd only) | 7.0107% | 1,677 |
| Net charge-offs to loans | 0.0201% | 3,540 |
| Credit loss provision to net charge-offs | 59.0164% | 2,921 |
| Earnings coverage of net charge-offs (x) | 96.8130% | 647 |
| Efficiency ratio | 68.7672% | 3,412 |
| Assets per employee ($millions) | 6.5894% | 1,033 |
| Cash dividends to net income (ytd only)* | 26.0640% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 1,503 |
| Loan loss allowance to noncurrent loans | 108.7292% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 2,661 |
| Noncurrent loans to loans | 1.5518% | 1,609 |
| Net loans and leases to total assets | 56.0394% | 4,350 |
| Net loans and leases to deposits | 61.4653% | 4,763 |
| Net loans and leases to core deposits | 62.2449% | 4,922 |
| Total domestic deposits to total assets | 91.1724% | 211 |
| Equity capital to assets | 8.3207% | 5,819 |
| Core capital (leverage) ratio | 8.6237% | 5,437 |
| Tier 1 risk-based capital ratio | 12.2574% | 4,917 |
| Total risk-based capital ratio | 13.5114% | 4,811 |
| Memoranda: | ||
| Average total assets | $1,374,004,000 | 520 |
| Average earning assets | $1,285,543,500 | 509 |
| Average equity | $114,641,500 | 674 |
| Average total loans | $807,284,500 | 586 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4068% | 5,213 |
| Cost of funding earning assets | 0.0538% | 6,265 |
| Net interest margin | 3.3530% | 4,095 |
| Noninterest income to average assets | 0.6381% | 2,536 |
| Noninterest expense to average assets | 2.5852% | 3,957 |
| Loan and lease loss provision to assets | 0.0221% | 3,690 |
| Net operating income to assets | 0.8014% | 3,379 |
| Return on assets (ROA) | 0.8078% | 3,444 |
| Pretax return on assets | 1.1724% | 2,888 |
| Return on Equity (ROE) | 9.6720% | 2,221 |
| Retained earnings to average equity (ytd only) | 7.3347% | 1,552 |
| Net charge-offs to loans | 0.0856% | 2,184 |
| Credit loss provision to net charge-offs | 43.4783% | 2,773 |
| Earnings coverage of net charge-offs (x) | 23.3188% | 1,613 |
| Efficiency ratio | 68.5656% | 3,580 |
| Assets per employee ($millions) | 6.4268% | 1,095 |
| Cash dividends to net income (ytd only)* | 24.1656% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6660% | 1,694 |
| Loan loss allowance to noncurrent loans | 105.6145% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 2,575 |
| Noncurrent loans to loans | 1.5774% | 1,671 |
| Net loans and leases to total assets | 57.3223% | 4,181 |
| Net loans and leases to deposits | 62.7314% | 4,641 |
| Net loans and leases to core deposits | 65.6399% | 4,684 |
| Total domestic deposits to total assets | 91.3774% | 218 |
| Equity capital to assets | 8.2520% | 5,856 |
| Core capital (leverage) ratio | 8.5234% | 5,508 |
| Tier 1 risk-based capital ratio | 12.2613% | 4,962 |
| Total risk-based capital ratio | 13.5155% | 4,861 |
| Memoranda: | ||
| Average total assets | $1,357,569,670 | 521 |
| Average earning assets | $1,268,244,000 | 514 |
| Average equity | $113,379,000 | 686 |
| Average total loans | $805,945,670 | 579 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3771% | 5,258 |
| Cost of funding earning assets | 0.0579% | 6,329 |
| Net interest margin | 3.3192% | 4,138 |
| Noninterest income to average assets | 0.6186% | 2,554 |
| Noninterest expense to average assets | 2.5986% | 3,928 |
| Loan and lease loss provision to assets | 0.0448% | 3,025 |
| Net operating income to assets | 0.7480% | 3,548 |
| Return on assets (ROA) | 0.7522% | 3,663 |
| Pretax return on assets | 1.0814% | 3,154 |
| Return on Equity (ROE) | 8.9507% | 2,468 |
| Retained earnings to average equity (ytd only) | 6.4624% | 2,258 |
| Net charge-offs to loans | 0.2816% | 855 |
| Credit loss provision to net charge-offs | 26.5487% | 2,302 |
| Earnings coverage of net charge-offs (x) | 6.6372% | 2,263 |
| Efficiency ratio | 69.8771% | 3,508 |
| Assets per employee ($millions) | 6.1936% | 1,260 |
| Cash dividends to net income (ytd only)* | 27.7998% | 2,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 1,985 |
| Loan loss allowance to noncurrent loans | 100.3842% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 2,585 |
| Noncurrent loans to loans | 1.6107% | 1,731 |
| Net loans and leases to total assets | 58.6970% | 3,844 |
| Net loans and leases to deposits | 64.2659% | 4,345 |
| Net loans and leases to core deposits | 67.3573% | 4,397 |
| Total domestic deposits to total assets | 91.3346% | 271 |
| Equity capital to assets | 8.2620% | 5,894 |
| Core capital (leverage) ratio | 8.5651% | 5,457 |
| Tier 1 risk-based capital ratio | 12.6241% | 4,828 |
| Total risk-based capital ratio | 13.8789% | 4,742 |
| Memoranda: | ||
| Average total assets | $1,339,049,500 | 529 |
| Average earning assets | $1,250,652,500 | 516 |
| Average equity | $112,527,000 | 691 |
| Average total loans | $802,435,000 | 576 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3469% | 5,627 |
| Cost of funding earning assets | 0.0588% | 6,425 |
| Net interest margin | 3.2881% | 4,624 |
| Noninterest income to average assets | 0.5933% | 2,896 |
| Noninterest expense to average assets | 2.5651% | 4,345 |
| Loan and lease loss provision to assets | 0.0918% | 2,627 |
| Net operating income to assets | 0.7035% | 3,877 |
| Return on assets (ROA) | 0.7486% | 3,733 |
| Pretax return on assets | 1.0844% | 3,148 |
| Return on Equity (ROE) | 9.2920% | 2,443 |
| Retained earnings to average equity (ytd only) | 7.7648% | 1,104 |
| Net charge-offs to loans | -0.1312% | 6,178 |
| Credit loss provision to net charge-offs | -122.0859% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7824% | 3,565 |
| Assets per employee ($millions) | 6.2352% | 1,224 |
| Cash dividends to net income (ytd only)* | 16.4355% | 3,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7595% | 1,632 |
| Loan loss allowance to noncurrent loans | 100.6004% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 2,471 |
| Noncurrent loans to loans | 1.7490% | 1,655 |
| Net loans and leases to total assets | 59.1476% | 3,904 |
| Net loans and leases to deposits | 66.3669% | 4,285 |
| Net loans and leases to core deposits | 69.2044% | 4,386 |
| Total domestic deposits to total assets | 89.1221% | 1,162 |
| Equity capital to assets | 8.5542% | 5,696 |
| Core capital (leverage) ratio | 8.5416% | 5,512 |
| Tier 1 risk-based capital ratio | 11.9137% | 5,421 |
| Total risk-based capital ratio | 13.1683% | 5,324 |
| Memoranda: | ||
| Average total assets | $1,300,386,200 | 520 |
| Average earning assets | $1,219,094,400 | 508 |
| Average equity | $104,767,600 | 696 |
| Average total loans | $745,705,200 | 582 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3269% | 5,719 |
| Cost of funding earning assets | 0.0600% | 6,505 |
| Net interest margin | 3.2669% | 4,732 |
| Noninterest income to average assets | 0.5765% | 3,020 |
| Noninterest expense to average assets | 2.5590% | 4,323 |
| Loan and lease loss provision to assets | 0.1223% | 2,039 |
| Net operating income to assets | 0.6650% | 4,127 |
| Return on assets (ROA) | 0.7110% | 3,987 |
| Pretax return on assets | 1.0267% | 3,483 |
| Return on Equity (ROE) | 8.9628% | 2,709 |
| Retained earnings to average equity (ytd only) | 6.8962% | 1,869 |
| Net charge-offs to loans | -0.1757% | 6,283 |
| Credit loss provision to net charge-offs | -122.9660% | 5,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2749% | 3,464 |
| Assets per employee ($millions) | 5.9770% | 1,353 |
| Cash dividends to net income (ytd only)* | 23.0581% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8322% | 1,625 |
| Loan loss allowance to noncurrent loans | 99.1552% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.1347% | 2,683 |
| Noncurrent loans to loans | 1.8478% | 1,728 |
| Net loans and leases to total assets | 55.4486% | 4,406 |
| Net loans and leases to deposits | 60.5651% | 4,890 |
| Net loans and leases to core deposits | 63.1753% | 4,951 |
| Total domestic deposits to total assets | 91.5520% | 219 |
| Equity capital to assets | 8.0562% | 6,104 |
| Core capital (leverage) ratio | 8.3523% | 5,799 |
| Tier 1 risk-based capital ratio | 12.0348% | 5,459 |
| Total risk-based capital ratio | 13.2901% | 5,373 |
| Memoranda: | ||
| Average total assets | $1,301,251,750 | 523 |
| Average earning assets | $1,220,816,500 | 509 |
| Average equity | $103,224,000 | 705 |
| Average total loans | $736,922,000 | 587 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3305% | 5,752 |
| Cost of funding earning assets | 0.0615% | 6,565 |
| Net interest margin | 3.2691% | 4,704 |
| Noninterest income to average assets | 0.5512% | 3,110 |
| Noninterest expense to average assets | 2.5693% | 4,348 |
| Loan and lease loss provision to assets | 0.1383% | 1,795 |
| Net operating income to assets | 0.6293% | 4,201 |
| Return on assets (ROA) | 0.6981% | 3,940 |
| Pretax return on assets | 1.0132% | 3,430 |
| Return on Equity (ROE) | 8.8471% | 2,667 |
| Retained earnings to average equity (ytd only) | 5.8079% | 2,439 |
| Net charge-offs to loans | -0.2926% | 6,422 |
| Credit loss provision to net charge-offs | -83.3955% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9519% | 3,505 |
| Assets per employee ($millions) | 6.0527% | 1,251 |
| Cash dividends to net income (ytd only)* | 34.3528% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 1,772 |
| Loan loss allowance to noncurrent loans | 81.7062% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.2861% | 2,547 |
| Noncurrent loans to loans | 2.2362% | 1,462 |
| Net loans and leases to total assets | 55.1092% | 4,393 |
| Net loans and leases to deposits | 60.1169% | 4,855 |
| Net loans and leases to core deposits | 62.6046% | 4,923 |
| Total domestic deposits to total assets | 91.6700% | 224 |
| Equity capital to assets | 7.9672% | 6,172 |
| Core capital (leverage) ratio | 8.1628% | 5,968 |
| Tier 1 risk-based capital ratio | 11.9069% | 5,593 |
| Total risk-based capital ratio | 13.1622% | 5,513 |
| Memoranda: | ||
| Average total assets | $1,292,700,670 | 526 |
| Average earning assets | $1,213,982,670 | 511 |
| Average equity | $101,999,330 | 712 |
| Average total loans | $732,735,330 | 590 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3410% | 5,767 |
| Cost of funding earning assets | 0.0614% | 6,644 |
| Net interest margin | 3.2796% | 4,621 |
| Noninterest income to average assets | 0.4699% | 3,630 |
| Noninterest expense to average assets | 2.5667% | 4,390 |
| Loan and lease loss provision to assets | 0.1398% | 1,738 |
| Net operating income to assets | 0.5948% | 4,223 |
| Return on assets (ROA) | 0.6622% | 3,975 |
| Pretax return on assets | 0.9671% | 3,455 |
| Return on Equity (ROE) | 8.4352% | 2,719 |
| Retained earnings to average equity (ytd only) | 5.2491% | 2,961 |
| Net charge-offs to loans | -0.5999% | 6,576 |
| Credit loss provision to net charge-offs | -40.8966% | 4,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8072% | 3,522 |
| Assets per employee ($millions) | 5.9589% | 1,330 |
| Cash dividends to net income (ytd only)* | 37.7715% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7840% | 2,086 |
| Loan loss allowance to noncurrent loans | 78.7491% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.3126% | 2,680 |
| Noncurrent loans to loans | 2.2654% | 1,589 |
| Net loans and leases to total assets | 55.5475% | 4,202 |
| Net loans and leases to deposits | 60.5500% | 4,704 |
| Net loans and leases to core deposits | 62.9405% | 4,795 |
| Total domestic deposits to total assets | 91.7383% | 320 |
| Equity capital to assets | 7.8364% | 6,156 |
| Core capital (leverage) ratio | 8.2707% | 5,877 |
| Tier 1 risk-based capital ratio | 12.0202% | 5,632 |
| Total risk-based capital ratio | 13.2755% | 5,560 |
| Memoranda: | ||
| Average total assets | $1,279,311,500 | 530 |
| Average earning assets | $1,211,005,500 | 516 |
| Average equity | $100,436,500 | 722 |
| Average total loans | $728,759,500 | 596 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3620% | 5,905 |
| Cost of funding earning assets | 0.0870% | 6,697 |
| Net interest margin | 3.2750% | 4,756 |
| Noninterest income to average assets | 0.4580% | 4,036 |
| Noninterest expense to average assets | 2.5473% | 4,621 |
| Loan and lease loss provision to assets | 0.0902% | 3,304 |
| Net operating income to assets | 0.6413% | 4,068 |
| Return on assets (ROA) | 0.6772% | 4,000 |
| Pretax return on assets | 0.9839% | 3,420 |
| Return on Equity (ROE) | 8.5782% | 2,743 |
| Retained earnings to average equity (ytd only) | 7.7190% | 1,144 |
| Net charge-offs to loans | 0.3233% | 2,065 |
| Credit loss provision to net charge-offs | 52.0977% | 3,764 |
| Earnings coverage of net charge-offs (x) | 5.9050% | 3,176 |
| Efficiency ratio | 71.3666% | 3,594 |
| Assets per employee ($millions) | 5.9980% | 1,273 |
| Cash dividends to net income (ytd only)* | 10.0165% | 4,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6003% | 2,759 |
| Loan loss allowance to noncurrent loans | 78.5268% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.2037% | 2,989 |
| Noncurrent loans to loans | 2.0378% | 1,951 |
| Net loans and leases to total assets | 56.4679% | 4,252 |
| Net loans and leases to deposits | 61.5397% | 4,771 |
| Net loans and leases to core deposits | 64.1653% | 4,852 |
| Total domestic deposits to total assets | 91.7585% | 342 |
| Equity capital to assets | 7.8657% | 6,105 |
| Core capital (leverage) ratio | 7.9185% | 6,191 |
| Tier 1 risk-based capital ratio | 11.8992% | 5,675 |
| Total risk-based capital ratio | 13.1524% | 5,613 |
| Memoranda: | ||
| Average total assets | $1,253,189,200 | 524 |
| Average earning assets | $1,190,590,800 | 502 |
| Average equity | $98,925,000 | 714 |
| Average total loans | $670,842,200 | 626 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3199% | 6,030 |
| Cost of funding earning assets | 0.0913% | 6,780 |
| Net interest margin | 3.2286% | 4,905 |
| Noninterest income to average assets | 0.4558% | 4,117 |
| Noninterest expense to average assets | 2.4672% | 4,816 |
| Loan and lease loss provision to assets | 0.1103% | 2,930 |
| Net operating income to assets | 0.6497% | 4,124 |
| Return on assets (ROA) | 0.6974% | 4,013 |
| Pretax return on assets | 1.0150% | 3,450 |
| Return on Equity (ROE) | 8.8273% | 2,727 |
| Retained earnings to average equity (ytd only) | 7.6812% | 1,557 |
| Net charge-offs to loans | 0.1674% | 2,883 |
| Credit loss provision to net charge-offs | 125.3027% | 1,876 |
| Earnings coverage of net charge-offs (x) | 12.0012% | 2,183 |
| Efficiency ratio | 70.0269% | 3,756 |
| Assets per employee ($millions) | 6.1488% | 1,136 |
| Cash dividends to net income (ytd only)* | 12.9831% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8306% | 2,204 |
| Loan loss allowance to noncurrent loans | 80.1589% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2462% | 3,146 |
| Noncurrent loans to loans | 2.2838% | 1,920 |
| Net loans and leases to total assets | 51.2674% | 4,973 |
| Net loans and leases to deposits | 55.4852% | 5,415 |
| Net loans and leases to core deposits | 58.6631% | 5,392 |
| Total domestic deposits to total assets | 92.3983% | 192 |
| Equity capital to assets | 7.2897% | 6,464 |
| Core capital (leverage) ratio | 7.8538% | 6,299 |
| Tier 1 risk-based capital ratio | 11.8391% | 5,883 |
| Total risk-based capital ratio | 13.0934% | 5,829 |
| Memoranda: | ||
| Average total assets | $1,251,593,500 | 525 |
| Average earning assets | $1,189,082,250 | 505 |
| Average equity | $98,887,750 | 723 |
| Average total loans | $657,847,500 | 639 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3609% | 5,988 |
| Cost of funding earning assets | 0.0938% | 6,833 |
| Net interest margin | 3.2671% | 4,701 |
| Noninterest income to average assets | 0.4653% | 4,057 |
| Noninterest expense to average assets | 2.4863% | 4,785 |
| Loan and lease loss provision to assets | 0.1129% | 2,927 |
| Net operating income to assets | 0.6669% | 3,986 |
| Return on assets (ROA) | 0.7396% | 3,776 |
| Pretax return on assets | 1.0771% | 3,187 |
| Return on Equity (ROE) | 9.1036% | 2,565 |
| Retained earnings to average equity (ytd only) | 7.9956% | 1,489 |
| Net charge-offs to loans | 0.1861% | 2,636 |
| Credit loss provision to net charge-offs | 115.1920% | 1,920 |
| Earnings coverage of net charge-offs (x) | 11.0634% | 2,091 |
| Efficiency ratio | 69.6260% | 3,900 |
| Assets per employee ($millions) | 5.5342% | 1,550 |
| Cash dividends to net income (ytd only)* | 12.1708% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9642% | 1,932 |
| Loan loss allowance to noncurrent loans | 71.5727% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 1.5057% | 2,842 |
| Noncurrent loans to loans | 2.7443% | 1,659 |
| Net loans and leases to total assets | 51.3507% | 4,946 |
| Net loans and leases to deposits | 55.9368% | 5,351 |
| Net loans and leases to core deposits | 58.7905% | 5,359 |
| Total domestic deposits to total assets | 91.8013% | 293 |
| Equity capital to assets | 7.9462% | 6,236 |
| Core capital (leverage) ratio | 8.1570% | 6,056 |
| Tier 1 risk-based capital ratio | 12.5154% | 5,485 |
| Total risk-based capital ratio | 13.7705% | 5,424 |
| Memoranda: | ||
| Average total assets | $1,221,976,330 | 536 |
| Average earning assets | $1,161,579,330 | 512 |
| Average equity | $99,279,000 | 721 |
| Average total loans | $643,788,000 | 650 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3746% | 5,997 |
| Cost of funding earning assets | 0.0945% | 6,915 |
| Net interest margin | 3.2801% | 4,588 |
| Noninterest income to average assets | 0.4675% | 4,007 |
| Noninterest expense to average assets | 2.4913% | 4,784 |
| Loan and lease loss provision to assets | 0.1135% | 2,814 |
| Net operating income to assets | 0.6712% | 3,839 |
| Return on assets (ROA) | 0.8053% | 3,266 |
| Pretax return on assets | 1.1738% | 2,672 |
| Return on Equity (ROE) | 9.8032% | 2,134 |
| Retained earnings to average equity (ytd only) | 8.6018% | 1,520 |
| Net charge-offs to loans | 0.1220% | 2,691 |
| Credit loss provision to net charge-offs | 176.0204% | 1,209 |
| Earnings coverage of net charge-offs (x) | 16.9490% | 1,343 |
| Efficiency ratio | 69.5089% | 4,054 |
| Assets per employee ($millions) | 5.5644% | 1,605 |
| Cash dividends to net income (ytd only)* | 12.2549% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9905% | 2,069 |
| Loan loss allowance to noncurrent loans | 85.2037% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.2957% | 3,377 |
| Noncurrent loans to loans | 2.3362% | 2,241 |
| Net loans and leases to total assets | 51.3017% | 4,793 |
| Net loans and leases to deposits | 55.9899% | 5,244 |
| Net loans and leases to core deposits | 58.4558% | 5,297 |
| Total domestic deposits to total assets | 91.6266% | 323 |
| Equity capital to assets | 8.1986% | 6,250 |
| Core capital (leverage) ratio | 8.1479% | 5,994 |
| Tier 1 risk-based capital ratio | 12.3568% | 5,674 |
| Total risk-based capital ratio | 13.6130% | 5,625 |
| Memoranda: | ||
| Average total assets | $1,215,906,000 | 544 |
| Average earning assets | $1,155,321,500 | 523 |
| Average equity | $99,885,500 | 730 |
| Average total loans | $642,469,500 | 651 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 5,964 |
| Cost of funding earning assets | 0.1700% | 6,888 |
| Net interest margin | 3.5728% | 4,218 |
| Noninterest income to average assets | 0.5061% | 3,859 |
| Noninterest expense to average assets | 2.6652% | 4,525 |
| Loan and lease loss provision to assets | 0.3084% | 2,212 |
| Net operating income to assets | 0.6366% | 4,055 |
| Return on assets (ROA) | 0.6851% | 4,071 |
| Pretax return on assets | 0.9740% | 3,642 |
| Return on Equity (ROE) | 8.0642% | 3,057 |
| Retained earnings to average equity (ytd only) | 7.0129% | 1,564 |
| Net charge-offs to loans | 1.3009% | 744 |
| Credit loss provision to net charge-offs | 41.8901% | 4,895 |
| Earnings coverage of net charge-offs (x) | 1.6478% | 4,619 |
| Efficiency ratio | 68.7222% | 4,014 |
| Assets per employee ($millions) | 5.6432% | 1,569 |
| Cash dividends to net income (ytd only)* | 13.0361% | 3,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 2,138 |
| Loan loss allowance to noncurrent loans | 68.2106% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 1.6551% | 2,914 |
| Noncurrent loans to loans | 2.8690% | 1,826 |
| Net loans and leases to total assets | 52.2968% | 4,883 |
| Net loans and leases to deposits | 57.1659% | 5,325 |
| Net loans and leases to core deposits | 59.2554% | 5,428 |
| Total domestic deposits to total assets | 91.4825% | 340 |
| Equity capital to assets | 8.2315% | 6,256 |
| Core capital (leverage) ratio | 8.0596% | 6,132 |
| Tier 1 risk-based capital ratio | 12.4611% | 5,504 |
| Total risk-based capital ratio | 13.7180% | 5,452 |
| Memoranda: | ||
| Average total assets | $1,119,752,600 | 586 |
| Average earning assets | $1,056,872,600 | 556 |
| Average equity | $95,124,400 | 745 |
| Average total loans | $633,656,400 | 654 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8325% | 5,946 |
| Cost of funding earning assets | 0.1883% | 6,968 |
| Net interest margin | 3.6442% | 4,033 |
| Noninterest income to average assets | 0.5311% | 3,738 |
| Noninterest expense to average assets | 2.6303% | 4,635 |
| Loan and lease loss provision to assets | 0.3017% | 2,189 |
| Net operating income to assets | 0.7139% | 3,855 |
| Return on assets (ROA) | 0.7740% | 3,831 |
| Pretax return on assets | 1.1205% | 3,270 |
| Return on Equity (ROE) | 9.0343% | 2,785 |
| Retained earnings to average equity (ytd only) | 7.6167% | 1,789 |
| Net charge-offs to loans | 0.2764% | 3,068 |
| Credit loss provision to net charge-offs | 189.9083% | 1,459 |
| Earnings coverage of net charge-offs (x) | 8.4044% | 2,451 |
| Efficiency ratio | 66.3308% | 4,387 |
| Assets per employee ($millions) | 5.4761% | 1,662 |
| Cash dividends to net income (ytd only)* | 15.6912% | 3,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9000% | 803 |
| Loan loss allowance to noncurrent loans | 109.0482% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.6294% | 3,144 |
| Noncurrent loans to loans | 2.6594% | 2,130 |
| Net loans and leases to total assets | 53.3123% | 4,853 |
| Net loans and leases to deposits | 58.3711% | 5,392 |
| Net loans and leases to core deposits | 60.5662% | 5,501 |
| Total domestic deposits to total assets | 91.3333% | 322 |
| Equity capital to assets | 8.4008% | 6,352 |
| Core capital (leverage) ratio | 8.2585% | 6,075 |
| Tier 1 risk-based capital ratio | 12.3762% | 5,719 |
| Total risk-based capital ratio | 13.6432% | 5,679 |
| Memoranda: | ||
| Average total assets | $1,097,781,750 | 602 |
| Average earning assets | $1,034,568,000 | 573 |
| Average equity | $94,054,000 | 753 |
| Average total loans | $631,030,250 | 659 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 5,858 |
| Cost of funding earning assets | 0.2124% | 7,007 |
| Net interest margin | 3.7103% | 3,767 |
| Noninterest income to average assets | 0.5580% | 3,536 |
| Noninterest expense to average assets | 2.6672% | 4,548 |
| Loan and lease loss provision to assets | 0.3788% | 1,730 |
| Net operating income to assets | 0.6955% | 3,894 |
| Return on assets (ROA) | 0.7699% | 3,789 |
| Pretax return on assets | 1.1141% | 3,256 |
| Return on Equity (ROE) | 8.9236% | 2,845 |
| Retained earnings to average equity (ytd only) | 6.7671% | 2,239 |
| Net charge-offs to loans | 0.0277% | 4,991 |
| Credit loss provision to net charge-offs | 2,340.2299% | 132 |
| Earnings coverage of net charge-offs (x) | 85.5632% | 480 |
| Efficiency ratio | 65.8203% | 4,565 |
| Assets per employee ($millions) | 5.3652% | 1,747 |
| Cash dividends to net income (ytd only)* | 24.1663% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0162% | 768 |
| Loan loss allowance to noncurrent loans | 131.5875% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.4661% | 3,508 |
| Noncurrent loans to loans | 2.2922% | 2,618 |
| Net loans and leases to total assets | 54.6897% | 4,674 |
| Net loans and leases to deposits | 59.8565% | 5,252 |
| Net loans and leases to core deposits | 62.1378% | 5,373 |
| Total domestic deposits to total assets | 91.3680% | 340 |
| Equity capital to assets | 8.3548% | 6,334 |
| Core capital (leverage) ratio | 8.4626% | 5,696 |
| Tier 1 risk-based capital ratio | 12.2780% | 5,742 |
| Total risk-based capital ratio | 13.5466% | 5,702 |
| Memoranda: | ||
| Average total assets | $1,074,908,670 | 615 |
| Average earning assets | $1,012,304,000 | 587 |
| Average equity | $92,743,000 | 759 |
| Average total loans | $627,904,670 | 663 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 5,845 |
| Cost of funding earning assets | 0.2306% | 7,052 |
| Net interest margin | 3.7438% | 3,619 |
| Noninterest income to average assets | 0.5396% | 3,626 |
| Noninterest expense to average assets | 2.7089% | 4,391 |
| Loan and lease loss provision to assets | 0.3978% | 1,590 |
| Net operating income to assets | 0.6761% | 4,002 |
| Return on assets (ROA) | 0.7297% | 3,968 |
| Pretax return on assets | 1.0298% | 3,569 |
| Return on Equity (ROE) | 8.3144% | 3,135 |
| Retained earnings to average equity (ytd only) | 3.9476% | 4,216 |
| Net charge-offs to loans | 0.0689% | 3,797 |
| Credit loss provision to net charge-offs | 970.0935% | 362 |
| Earnings coverage of net charge-offs (x) | 32.9720% | 858 |
| Efficiency ratio | 66.7044% | 4,425 |
| Assets per employee ($millions) | 4.9897% | 2,268 |
| Cash dividends to net income (ytd only)* | 52.5210% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8842% | 924 |
| Loan loss allowance to noncurrent loans | 124.9881% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 1.6490% | 3,380 |
| Noncurrent loans to loans | 2.3076% | 2,798 |
| Net loans and leases to total assets | 58.0636% | 4,022 |
| Net loans and leases to deposits | 64.8039% | 4,509 |
| Net loans and leases to core deposits | 67.8001% | 4,704 |
| Total domestic deposits to total assets | 89.5989% | 1,300 |
| Equity capital to assets | 8.6716% | 5,908 |
| Core capital (leverage) ratio | 8.7187% | 5,265 |
| Tier 1 risk-based capital ratio | 12.0316% | 5,939 |
| Total risk-based capital ratio | 13.2983% | 5,911 |
| Memoranda: | ||
| Average total assets | $1,043,657,000 | 639 |
| Average earning assets | $981,675,500 | 605 |
| Average equity | $91,600,000 | 762 |
| Average total loans | $621,160,500 | 669 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0503% | 6,365 |
| Cost of funding earning assets | 0.3287% | 7,055 |
| Net interest margin | 3.7216% | 4,197 |
| Noninterest income to average assets | 0.5038% | 3,820 |
| Noninterest expense to average assets | 2.7016% | 4,741 |
| Loan and lease loss provision to assets | 0.6178% | 1,668 |
| Net operating income to assets | 0.4756% | 4,522 |
| Return on assets (ROA) | 0.4933% | 4,667 |
| Pretax return on assets | 0.6825% | 4,398 |
| Return on Equity (ROE) | 5.6806% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.6806% | 2,185 |
| Net charge-offs to loans | 0.4961% | 3,012 |
| Credit loss provision to net charge-offs | 205.0381% | 1,214 |
| Earnings coverage of net charge-offs (x) | 4.2340% | 3,209 |
| Efficiency ratio | 67.9247% | 4,376 |
| Assets per employee ($millions) | 5.0718% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8664% | 914 |
| Loan loss allowance to noncurrent loans | 122.7491% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 1.8358% | 3,202 |
| Noncurrent loans to loans | 2.3352% | 2,813 |
| Net loans and leases to total assets | 57.5393% | 4,455 |
| Net loans and leases to deposits | 64.4091% | 4,952 |
| Net loans and leases to core deposits | 67.5715% | 5,083 |
| Total domestic deposits to total assets | 89.3340% | 1,339 |
| Equity capital to assets | 8.8860% | 5,691 |
| Core capital (leverage) ratio | 8.5442% | 5,488 |
| Tier 1 risk-based capital ratio | 12.3845% | 5,551 |
| Total risk-based capital ratio | 13.6509% | 5,506 |
| Memoranda: | ||
| Average total assets | $1,001,305,200 | 658 |
| Average earning assets | $934,539,400 | 636 |
| Average equity | $86,944,800 | 775 |
| Average total loans | $608,197,800 | 690 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 6,497 |
| Cost of funding earning assets | 0.3554% | 7,112 |
| Net interest margin | 3.6990% | 4,338 |
| Noninterest income to average assets | 0.5296% | 3,653 |
| Noninterest expense to average assets | 2.6473% | 4,915 |
| Loan and lease loss provision to assets | 0.6995% | 1,378 |
| Net operating income to assets | 0.4502% | 4,775 |
| Return on assets (ROA) | 0.4686% | 4,874 |
| Pretax return on assets | 0.6561% | 4,621 |
| Return on Equity (ROE) | 5.4296% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.4296% | 2,890 |
| Net charge-offs to loans | 0.3622% | 3,279 |
| Credit loss provision to net charge-offs | 315.9710% | 890 |
| Earnings coverage of net charge-offs (x) | 6.0061% | 2,641 |
| Efficiency ratio | 66.5656% | 4,610 |
| Assets per employee ($millions) | 5.0152% | 2,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9360% | 911 |
| Loan loss allowance to noncurrent loans | 132.2336% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 2.2227% | 2,864 |
| Noncurrent loans to loans | 2.2203% | 3,084 |
| Net loans and leases to total assets | 57.5044% | 4,583 |
| Net loans and leases to deposits | 64.2297% | 5,136 |
| Net loans and leases to core deposits | 67.4779% | 5,241 |
| Total domestic deposits to total assets | 89.5292% | 1,129 |
| Equity capital to assets | 8.7328% | 6,049 |
| Core capital (leverage) ratio | 8.5869% | 5,578 |
| Tier 1 risk-based capital ratio | 12.3272% | 5,644 |
| Total risk-based capital ratio | 13.5948% | 5,608 |
| Memoranda: | ||
| Average total assets | $995,503,500 | 669 |
| Average earning assets | $927,792,250 | 647 |
| Average equity | $85,921,500 | 788 |
| Average total loans | $608,524,000 | 693 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0713% | 6,539 |
| Cost of funding earning assets | 0.3764% | 7,182 |
| Net interest margin | 3.6949% | 4,287 |
| Noninterest income to average assets | 0.5558% | 3,428 |
| Noninterest expense to average assets | 2.6548% | 4,987 |
| Loan and lease loss provision to assets | 0.8281% | 1,099 |
| Net operating income to assets | 0.3817% | 5,034 |
| Return on assets (ROA) | 0.4124% | 5,041 |
| Pretax return on assets | 0.5578% | 4,887 |
| Return on Equity (ROE) | 4.7983% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.7983% | 3,126 |
| Net charge-offs to loans | 0.2127% | 3,862 |
| Credit loss provision to net charge-offs | 630.2469% | 498 |
| Earnings coverage of net charge-offs (x) | 10.2315% | 1,838 |
| Efficiency ratio | 66.3827% | 4,804 |
| Assets per employee ($millions) | 4.9432% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9170% | 967 |
| Loan loss allowance to noncurrent loans | 119.0082% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 2.3971% | 2,756 |
| Noncurrent loans to loans | 2.4511% | 2,935 |
| Net loans and leases to total assets | 58.5796% | 4,532 |
| Net loans and leases to deposits | 65.7681% | 5,030 |
| Net loans and leases to core deposits | 69.3761% | 5,141 |
| Total domestic deposits to total assets | 89.0699% | 1,495 |
| Equity capital to assets | 8.6358% | 6,016 |
| Core capital (leverage) ratio | 8.7075% | 5,218 |
| Tier 1 risk-based capital ratio | 12.6014% | 5,255 |
| Total risk-based capital ratio | 13.8690% | 5,215 |
| Memoranda: | ||
| Average total assets | $986,303,000 | 679 |
| Average earning assets | $919,163,670 | 658 |
| Average equity | $84,780,000 | 795 |
| Average total loans | $609,323,330 | 700 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 6,532 |
| Cost of funding earning assets | 0.3931% | 7,235 |
| Net interest margin | 3.6916% | 4,151 |
| Noninterest income to average assets | 0.6296% | 2,963 |
| Noninterest expense to average assets | 2.6867% | 4,892 |
| Loan and lease loss provision to assets | 0.9160% | 870 |
| Net operating income to assets | 0.3469% | 5,186 |
| Return on assets (ROA) | 0.4095% | 4,995 |
| Pretax return on assets | 0.5454% | 4,879 |
| Return on Equity (ROE) | 4.7757% | 4,514 |
| Retained earnings to average equity (ytd only) | 4.7757% | 3,318 |
| Net charge-offs to loans | 0.4515% | 2,344 |
| Credit loss provision to net charge-offs | 324.4928% | 1,009 |
| Earnings coverage of net charge-offs (x) | 4.8812% | 2,382 |
| Efficiency ratio | 66.0996% | 5,021 |
| Assets per employee ($millions) | 4.7443% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5917% | 1,324 |
| Loan loss allowance to noncurrent loans | 52.6096% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 4.1998% | 1,569 |
| Noncurrent loans to loans | 4.9263% | 1,374 |
| Net loans and leases to total assets | 60.0827% | 4,246 |
| Net loans and leases to deposits | 66.9351% | 4,836 |
| Net loans and leases to core deposits | 70.3547% | 4,998 |
| Total domestic deposits to total assets | 89.7626% | 1,316 |
| Equity capital to assets | 8.5323% | 5,862 |
| Core capital (leverage) ratio | 8.8448% | 4,864 |
| Tier 1 risk-based capital ratio | 12.3377% | 5,410 |
| Total risk-based capital ratio | 13.5921% | 5,401 |
| Memoranda: | ||
| Average total assets | $977,720,000 | 689 |
| Average earning assets | $909,749,500 | 668 |
| Average equity | $83,841,000 | 790 |
| Average total loans | $611,240,000 | 705 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 6,822 |
| Cost of funding earning assets | 0.5582% | 7,210 |
| Net interest margin | 3.7194% | 4,271 |
| Noninterest income to average assets | 0.3918% | 4,960 |
| Noninterest expense to average assets | 2.6756% | 5,100 |
| Loan and lease loss provision to assets | 0.9945% | 1,632 |
| Net operating income to assets | 0.1752% | 5,362 |
| Return on assets (ROA) | 0.2170% | 5,376 |
| Pretax return on assets | 0.2360% | 5,392 |
| Return on Equity (ROE) | 2.5876% | 5,136 |
| Retained earnings to average equity (ytd only) | 2.5876% | 4,048 |
| Net charge-offs to loans | 1.4695% | 1,506 |
| Credit loss provision to net charge-offs | 101.7788% | 4,454 |
| Earnings coverage of net charge-offs (x) | 1.2129% | 4,891 |
| Efficiency ratio | 69.3019% | 4,313 |
| Assets per employee ($millions) | 4.6794% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3177% | 1,668 |
| Loan loss allowance to noncurrent loans | 53.2669% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 4.0685% | 1,667 |
| Noncurrent loans to loans | 4.3511% | 1,657 |
| Net loans and leases to total assets | 61.8995% | 4,307 |
| Net loans and leases to deposits | 70.7121% | 4,726 |
| Net loans and leases to core deposits | 76.0688% | 4,702 |
| Total domestic deposits to total assets | 87.5373% | 2,525 |
| Equity capital to assets | 8.6188% | 5,697 |
| Core capital (leverage) ratio | 8.0896% | 6,040 |
| Tier 1 risk-based capital ratio | 11.4236% | 5,969 |
| Total risk-based capital ratio | 12.6846% | 5,954 |
| Memoranda: | ||
| Average total assets | $955,036,200 | 701 |
| Average earning assets | $890,742,200 | 680 |
| Average equity | $80,074,200 | 825 |
| Average total loans | $635,025,200 | 694 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 6,964 |
| Cost of funding earning assets | 0.5828% | 7,321 |
| Net interest margin | 3.7175% | 4,318 |
| Noninterest income to average assets | 0.3682% | 5,206 |
| Noninterest expense to average assets | 2.6956% | 4,895 |
| Loan and lease loss provision to assets | 1.0160% | 1,454 |
| Net operating income to assets | 0.1181% | 5,727 |
| Return on assets (ROA) | 0.1770% | 5,739 |
| Pretax return on assets | 0.1827% | 5,769 |
| Return on Equity (ROE) | 2.1256% | 5,569 |
| Retained earnings to average equity (ytd only) | 2.1256% | 4,904 |
| Net charge-offs to loans | 0.9863% | 2,032 |
| Credit loss provision to net charge-offs | 153.0927% | 2,525 |
| Earnings coverage of net charge-offs (x) | 1.7148% | 4,417 |
| Efficiency ratio | 70.3139% | 4,005 |
| Assets per employee ($millions) | 4.8293% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6446% | 1,149 |
| Loan loss allowance to noncurrent loans | 62.5118% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 3.2937% | 2,165 |
| Noncurrent loans to loans | 4.2306% | 1,723 |
| Net loans and leases to total assets | 62.2407% | 4,478 |
| Net loans and leases to deposits | 70.1852% | 5,120 |
| Net loans and leases to core deposits | 75.3124% | 5,146 |
| Total domestic deposits to total assets | 88.6807% | 1,572 |
| Equity capital to assets | 8.5210% | 6,253 |
| Core capital (leverage) ratio | 7.9802% | 6,375 |
| Tier 1 risk-based capital ratio | 11.1525% | 6,239 |
| Total risk-based capital ratio | 12.4185% | 6,221 |
| Memoranda: | ||
| Average total assets | $951,638,250 | 704 |
| Average earning assets | $887,144,750 | 676 |
| Average equity | $79,221,750 | 830 |
| Average total loans | $640,331,000 | 691 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 7,025 |
| Cost of funding earning assets | 0.6149% | 7,377 |
| Net interest margin | 3.6990% | 4,370 |
| Noninterest income to average assets | 0.3552% | 5,302 |
| Noninterest expense to average assets | 2.6894% | 4,951 |
| Loan and lease loss provision to assets | 1.1354% | 1,268 |
| Net operating income to assets | 0.0161% | 6,060 |
| Return on assets (ROA) | 0.1072% | 5,959 |
| Pretax return on assets | 0.0720% | 6,030 |
| Return on Equity (ROE) | 1.2985% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.2985% | 5,230 |
| Net charge-offs to loans | 1.3063% | 1,456 |
| Credit loss provision to net charge-offs | 126.9706% | 3,169 |
| Earnings coverage of net charge-offs (x) | 1.2483% | 4,571 |
| Efficiency ratio | 70.6683% | 4,041 |
| Assets per employee ($millions) | 4.7646% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3797% | 1,457 |
| Loan loss allowance to noncurrent loans | 54.5817% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 3.6132% | 1,941 |
| Noncurrent loans to loans | 4.3599% | 1,693 |
| Net loans and leases to total assets | 64.4467% | 4,171 |
| Net loans and leases to deposits | 72.7195% | 4,884 |
| Net loans and leases to core deposits | 78.1816% | 4,922 |
| Total domestic deposits to total assets | 88.6237% | 1,660 |
| Equity capital to assets | 8.5579% | 6,090 |
| Core capital (leverage) ratio | 8.1891% | 5,957 |
| Tier 1 risk-based capital ratio | 10.9612% | 6,275 |
| Total risk-based capital ratio | 12.2235% | 6,254 |
| Memoranda: | ||
| Average total assets | $942,069,330 | 706 |
| Average earning assets | $878,787,000 | 682 |
| Average equity | $77,784,000 | 841 |
| Average total loans | $644,858,330 | 688 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4065% | 6,988 |
| Cost of funding earning assets | 0.6492% | 7,439 |
| Net interest margin | 3.7573% | 3,967 |
| Noninterest income to average assets | 0.5857% | 3,368 |
| Noninterest expense to average assets | 2.6939% | 4,931 |
| Loan and lease loss provision to assets | 1.2179% | 1,000 |
| Net operating income to assets | 0.1718% | 5,783 |
| Return on assets (ROA) | 0.1751% | 5,897 |
| Pretax return on assets | 0.1816% | 5,939 |
| Return on Equity (ROE) | 2.1623% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.1623% | 4,836 |
| Net charge-offs to loans | 1.3043% | 1,310 |
| Credit loss provision to net charge-offs | 133.9328% | 2,632 |
| Earnings coverage of net charge-offs (x) | 1.5353% | 3,811 |
| Efficiency ratio | 65.8670% | 5,146 |
| Assets per employee ($millions) | 4.6011% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2843% | 1,600 |
| Loan loss allowance to noncurrent loans | 110.9143% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.8411% | 3,721 |
| Noncurrent loans to loans | 2.0595% | 3,707 |
| Net loans and leases to total assets | 66.6861% | 3,703 |
| Net loans and leases to deposits | 74.8291% | 4,616 |
| Net loans and leases to core deposits | 80.6396% | 4,681 |
| Total domestic deposits to total assets | 89.1179% | 1,458 |
| Equity capital to assets | 7.9740% | 6,685 |
| Core capital (leverage) ratio | 7.7336% | 6,588 |
| Tier 1 risk-based capital ratio | 10.0215% | 7,021 |
| Total risk-based capital ratio | 11.2829% | 6,999 |
| Memoranda: | ||
| Average total assets | $929,501,500 | 733 |
| Average earning assets | $866,900,000 | 710 |
| Average equity | $75,290,000 | 877 |
| Average total loans | $648,024,000 | 703 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 7,069 |
| Cost of funding earning assets | 0.7934% | 7,565 |
| Net interest margin | 3.9500% | 3,077 |
| Noninterest income to average assets | 0.5396% | 4,111 |
| Noninterest expense to average assets | 2.7350% | 5,223 |
| Loan and lease loss provision to assets | 1.2108% | 1,898 |
| Net operating income to assets | 0.2296% | 4,806 |
| Return on assets (ROA) | 0.2314% | 4,865 |
| Pretax return on assets | 0.2607% | 4,869 |
| Return on Equity (ROE) | 2.8098% | 4,582 |
| Retained earnings to average equity (ytd only) | 0.4616% | 4,648 |
| Net charge-offs to loans | 0.7324% | 2,997 |
| Credit loss provision to net charge-offs | 223.4550% | 1,680 |
| Earnings coverage of net charge-offs (x) | 2.7120% | 3,745 |
| Efficiency ratio | 65.0493% | 5,571 |
| Assets per employee ($millions) | 4.4665% | 2,986 |
| Cash dividends to net income (ytd only)* | 83.5721% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1657% | 1,708 |
| Loan loss allowance to noncurrent loans | 112.9045% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 1.7921% | 3,678 |
| Noncurrent loans to loans | 1.9182% | 3,777 |
| Net loans and leases to total assets | 69.7058% | 3,320 |
| Net loans and leases to deposits | 79.9360% | 4,008 |
| Net loans and leases to core deposits | 90.9351% | 5,023 |
| Total domestic deposits to total assets | 87.2020% | 2,387 |
| Equity capital to assets | 8.2312% | 6,303 |
| Core capital (leverage) ratio | 7.5479% | 6,745 |
| Tier 1 risk-based capital ratio | 9.9743% | 6,893 |
| Total risk-based capital ratio | 11.2345% | 6,857 |
| Memoranda: | ||
| Average total assets | $904,869,800 | 746 |
| Average earning assets | $839,542,600 | 727 |
| Average equity | $74,523,600 | 867 |
| Average total loans | $669,405,600 | 699 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 7,192 |
| Cost of funding earning assets | 0.8173% | 7,671 |
| Net interest margin | 3.9408% | 3,082 |
| Noninterest income to average assets | 0.5610% | 4,004 |
| Noninterest expense to average assets | 2.7040% | 5,308 |
| Loan and lease loss provision to assets | 1.2481% | 1,548 |
| Net operating income to assets | 0.2263% | 5,072 |
| Return on assets (ROA) | 0.2286% | 5,141 |
| Pretax return on assets | 0.2627% | 5,159 |
| Return on Equity (ROE) | 2.7757% | 4,890 |
| Retained earnings to average equity (ytd only) | -0.3602% | 5,309 |
| Net charge-offs to loans | 0.8281% | 2,307 |
| Credit loss provision to net charge-offs | 201.8620% | 2,212 |
| Earnings coverage of net charge-offs (x) | 2.4392% | 4,012 |
| Efficiency ratio | 64.1939% | 5,709 |
| Assets per employee ($millions) | 4.6090% | 2,687 |
| Cash dividends to net income (ytd only)* | 112.9764% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8224% | 2,215 |
| Loan loss allowance to noncurrent loans | 104.7180% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.3554% | 4,380 |
| Noncurrent loans to loans | 1.7403% | 4,023 |
| Net loans and leases to total assets | 70.3253% | 3,431 |
| Net loans and leases to deposits | 79.9238% | 4,401 |
| Net loans and leases to core deposits | 92.3607% | 5,202 |
| Total domestic deposits to total assets | 87.9904% | 1,659 |
| Equity capital to assets | 7.9196% | 6,925 |
| Core capital (leverage) ratio | 7.7395% | 6,679 |
| Tier 1 risk-based capital ratio | 9.4231% | 7,424 |
| Total risk-based capital ratio | 10.6791% | 7,391 |
| Memoranda: | ||
| Average total assets | $903,295,000 | 760 |
| Average earning assets | $836,895,000 | 743 |
| Average equity | $74,404,500 | 880 |
| Average total loans | $674,457,500 | 708 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 7,204 |
| Cost of funding earning assets | 0.8497% | 7,760 |
| Net interest margin | 3.9633% | 2,851 |
| Noninterest income to average assets | 0.5726% | 3,883 |
| Noninterest expense to average assets | 2.7307% | 5,254 |
| Loan and lease loss provision to assets | 1.4319% | 1,216 |
| Net operating income to assets | 0.1026% | 5,556 |
| Return on assets (ROA) | 0.1046% | 5,650 |
| Pretax return on assets | 0.0671% | 5,748 |
| Return on Equity (ROE) | 1.2529% | 5,556 |
| Retained earnings to average equity (ytd only) | -2.1080% | 5,772 |
| Net charge-offs to loans | 0.9464% | 1,832 |
| Credit loss provision to net charge-offs | 199.7808% | 2,295 |
| Earnings coverage of net charge-offs (x) | 2.0886% | 4,034 |
| Efficiency ratio | 64.5906% | 5,790 |
| Assets per employee ($millions) | 4.3623% | 3,006 |
| Cash dividends to net income (ytd only)* | 268.2403% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6344% | 2,600 |
| Loan loss allowance to noncurrent loans | 112.7985% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 1.1254% | 4,702 |
| Noncurrent loans to loans | 1.4489% | 4,323 |
| Net loans and leases to total assets | 74.9644% | 2,444 |
| Net loans and leases to deposits | 85.6481% | 3,611 |
| Net loans and leases to core deposits | 101.7800% | 4,296 |
| Total domestic deposits to total assets | 87.5261% | 2,005 |
| Equity capital to assets | 8.2044% | 6,483 |
| Core capital (leverage) ratio | 7.9168% | 6,461 |
| Tier 1 risk-based capital ratio | 9.1930% | 7,596 |
| Total risk-based capital ratio | 10.4465% | 7,595 |
| Memoranda: | ||
| Average total assets | $890,978,670 | 788 |
| Average earning assets | $821,683,000 | 776 |
| Average equity | $74,384,670 | 894 |
| Average total loans | $674,775,670 | 730 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8482% | 7,294 |
| Cost of funding earning assets | 0.8332% | 7,879 |
| Net interest margin | 4.0150% | 2,586 |
| Noninterest income to average assets | 0.5641% | 3,804 |
| Noninterest expense to average assets | 2.6994% | 5,009 |
| Loan and lease loss provision to assets | 0.5925% | 2,127 |
| Net operating income to assets | 0.6749% | 3,688 |
| Return on assets (ROA) | 0.6759% | 3,863 |
| Pretax return on assets | 0.9757% | 3,440 |
| Return on Equity (ROE) | 8.0253% | 3,142 |
| Retained earnings to average equity (ytd only) | 2.6715% | 4,396 |
| Net charge-offs to loans | 0.8421% | 1,548 |
| Credit loss provision to net charge-offs | 93.1915% | 3,940 |
| Earnings coverage of net charge-offs (x) | 2.4645% | 3,511 |
| Efficiency ratio | 63.2741% | 5,817 |
| Assets per employee ($millions) | 4.4208% | 2,846 |
| Cash dividends to net income (ytd only)* | 66.7111% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 4,897 |
| Loan loss allowance to noncurrent loans | 149.8863% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 5,740 |
| Noncurrent loans to loans | 0.7907% | 5,461 |
| Net loans and leases to total assets | 71.3907% | 3,378 |
| Net loans and leases to deposits | 84.3886% | 3,913 |
| Net loans and leases to core deposits | 100.2624% | 4,514 |
| Total domestic deposits to total assets | 84.5976% | 3,415 |
| Equity capital to assets | 8.1144% | 6,656 |
| Core capital (leverage) ratio | 8.5113% | 5,511 |
| Tier 1 risk-based capital ratio | 9.7166% | 7,234 |
| Total risk-based capital ratio | 10.8742% | 7,256 |
| Memoranda: | ||
| Average total assets | $887,153,000 | 796 |
| Average earning assets | $818,038,000 | 781 |
| Average equity | $74,713,500 | 893 |
| Average total loans | $669,740,500 | 741 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 6,411 |
| Cost of funding earning assets | 1.3647% | 7,785 |
| Net interest margin | 4.4393% | 1,562 |
| Noninterest income to average assets | 0.5816% | 3,996 |
| Noninterest expense to average assets | 2.8537% | 4,589 |
| Loan and lease loss provision to assets | 0.3713% | 3,455 |
| Net operating income to assets | 0.9674% | 2,709 |
| Return on assets (ROA) | 0.9769% | 2,531 |
| Pretax return on assets | 1.4592% | 1,791 |
| Return on Equity (ROE) | 11.5978% | 1,714 |
| Retained earnings to average equity (ytd only) | 1.5891% | 4,261 |
| Net charge-offs to loans | 0.3811% | 2,927 |
| Credit loss provision to net charge-offs | 131.5124% | 4,051 |
| Earnings coverage of net charge-offs (x) | 6.4329% | 3,362 |
| Efficiency ratio | 61.1081% | 6,139 |
| Assets per employee ($millions) | 4.0111% | 3,492 |
| Cash dividends to net income (ytd only)* | 86.2983% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1916% | 4,605 |
| Loan loss allowance to noncurrent loans | 118.5520% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.9354% | 4,490 |
| Noncurrent loans to loans | 1.0051% | 4,580 |
| Net loans and leases to total assets | 78.0789% | 2,116 |
| Net loans and leases to deposits | 93.1794% | 2,932 |
| Net loans and leases to core deposits | 105.6823% | 4,226 |
| Total domestic deposits to total assets | 83.7941% | 3,432 |
| Equity capital to assets | 8.7556% | 5,721 |
| Core capital (leverage) ratio | 8.4201% | 5,713 |
| Tier 1 risk-based capital ratio | 9.3969% | 7,412 |
| Total risk-based capital ratio | 10.5395% | 7,456 |
| Memoranda: | ||
| Average total assets | $868,838,800 | 779 |
| Average earning assets | $800,154,000 | 768 |
| Average equity | $73,186,200 | 907 |
| Average total loans | $643,704,600 | 741 |