Home > The National Bank of Indianapolis > Performance and Condition Ratios
The National Bank of Indianapolis, 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 | 5.0479% | 1,978 |
| Cost of funding earning assets | 2.1398% | 713 |
| Net interest margin | 2.9081% | 3,464 |
| Noninterest income to average assets | 0.8100% | 915 |
| Noninterest expense to average assets | 2.1409% | 3,290 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 1.0924% | 1,940 |
| Return on assets (ROA) | 1.0924% | 1,912 |
| Pretax return on assets | 1.4099% | 1,610 |
| Return on Equity (ROE) | 17.9900% | 817 |
| Retained earnings to average equity (ytd only) | 10.5126% | 904 |
| Net charge-offs to loans | -0.0139% | 4,058 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.4181% | 3,029 |
| Assets per employee ($millions) | 8.7399% | 1,094 |
| Cash dividends to net income (ytd only)* | 41.5750% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3596% | 1,547 |
| Loan loss allowance to noncurrent loans | 1,908.4495% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 3,161 |
| Noncurrent loans to loans | 0.0712% | 3,206 |
| Net loans and leases to total assets | 58.8800% | 2,963 |
| Net loans and leases to deposits | 64.3029% | 3,277 |
| Net loans and leases to core deposits | 65.7141% | 3,509 |
| Total domestic deposits to total assets | 91.5600% | 378 |
| Equity capital to assets | 6.7087% | 4,046 |
| Core capital (leverage) ratio | 8.8340% | 3,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0449% | 1,854 |
| Memoranda: | ||
| Average total assets | $2,936,440,400 | 402 |
| Average earning assets | $2,763,896,200 | 388 |
| Average equity | $178,272,200 | 594 |
| Average total loans | $1,658,048,200 | 483 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7575% | 2,089 |
| Cost of funding earning assets | 1.7363% | 834 |
| Net interest margin | 3.0212% | 3,374 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.0911% | 3,366 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1677% | 1,914 |
| Return on assets (ROA) | 1.1677% | 1,910 |
| Pretax return on assets | 1.5153% | 1,566 |
| Return on Equity (ROE) | 20.0700% | 700 |
| Retained earnings to average equity (ytd only) | 13.1989% | 779 |
| Net charge-offs to loans | 0.0432% | 1,074 |
| Credit loss provision to net charge-offs | 109.5506% | 1,381 |
| Earnings coverage of net charge-offs (x) | 65.2697% | 1,149 |
| Efficiency ratio | 57.6426% | 3,236 |
| Assets per employee ($millions) | 8.1319% | 1,261 |
| Cash dividends to net income (ytd only)* | 34.2224% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4217% | 1,446 |
| Loan loss allowance to noncurrent loans | 768.0921% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1126% | 2,745 |
| Noncurrent loans to loans | 0.1851% | 2,550 |
| Net loans and leases to total assets | 59.9700% | 2,770 |
| Net loans and leases to deposits | 66.2785% | 3,041 |
| Net loans and leases to core deposits | 67.5226% | 3,260 |
| Total domestic deposits to total assets | 90.4800% | 786 |
| Equity capital to assets | 6.5730% | 3,966 |
| Core capital (leverage) ratio | 8.7845% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0507% | 1,875 |
| Memoranda: | ||
| Average total assets | $3,024,334,333 | 387 |
| Average earning assets | $2,855,201,333 | 368 |
| Average equity | $175,999,000 | 588 |
| Average total loans | $1,647,530,333 | 465 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 2,519 |
| Cost of funding earning assets | 1.4166% | 1,000 |
| Net interest margin | 2.9982% | 3,605 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 1.9676% | 3,700 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1797% | 1,994 |
| Return on assets (ROA) | 1.1797% | 1,953 |
| Pretax return on assets | 1.5343% | 1,594 |
| Return on Equity (ROE) | 21.4500% | 625 |
| Retained earnings to average equity (ytd only) | 14.5559% | 862 |
| Net charge-offs to loans | 0.0335% | 1,050 |
| Credit loss provision to net charge-offs | 193.4783% | 841 |
| Earnings coverage of net charge-offs (x) | 88.9348% | 848 |
| Efficiency ratio | 56.0863% | 3,402 |
| Assets per employee ($millions) | 8.7965% | 1,014 |
| Cash dividends to net income (ytd only)* | 32.1345% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,541 |
| Loan loss allowance to noncurrent loans | 558.4802% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.1468% | 2,484 |
| Noncurrent loans to loans | 0.2545% | 2,234 |
| Net loans and leases to total assets | 56.8900% | 2,967 |
| Net loans and leases to deposits | 63.1214% | 3,159 |
| Net loans and leases to core deposits | 63.9202% | 3,348 |
| Total domestic deposits to total assets | 90.1300% | 1,112 |
| Equity capital to assets | 6.3205% | 4,098 |
| Core capital (leverage) ratio | 8.3465% | 4,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6344% | 2,124 |
| Memoranda: | ||
| Average total assets | $3,186,600,000 | 380 |
| Average earning assets | $3,017,905,500 | 365 |
| Average equity | $175,269,000 | 602 |
| Average total loans | $1,650,068,500 | 471 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1924% | 3,829 |
| Cost of funding earning assets | 0.3133% | 2,769 |
| Net interest margin | 2.8790% | 3,727 |
| Noninterest income to average assets | 0.7800% | 1,052 |
| Noninterest expense to average assets | 2.0217% | 3,527 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1315% | 2,046 |
| Return on assets (ROA) | 1.1315% | 1,991 |
| Pretax return on assets | 1.4511% | 1,610 |
| Return on Equity (ROE) | 19.5100% | 521 |
| Retained earnings to average equity (ytd only) | 14.1884% | 365 |
| Net charge-offs to loans | 0.0879% | 791 |
| Credit loss provision to net charge-offs | 94.7109% | 1,602 |
| Earnings coverage of net charge-offs (x) | 32.9795% | 1,634 |
| Efficiency ratio | 57.5045% | 3,405 |
| Assets per employee ($millions) | 10.8134% | 529 |
| Cash dividends to net income (ytd only)* | 27.2750% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2555% | 2,120 |
| Loan loss allowance to noncurrent loans | 581.0151% | 1,440 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 2,832 |
| Noncurrent loans to loans | 0.2161% | 2,411 |
| Net loans and leases to total assets | 46.3700% | 3,778 |
| Net loans and leases to deposits | 50.5532% | 3,871 |
| Net loans and leases to core deposits | 50.7848% | 3,949 |
| Total domestic deposits to total assets | 91.7200% | 709 |
| Equity capital to assets | 4.8329% | 4,401 |
| Core capital (leverage) ratio | 8.0367% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2459% | 2,268 |
| Memoranda: | ||
| Average total assets | $3,130,104,800 | 381 |
| Average earning assets | $2,973,186,000 | 366 |
| Average equity | $181,535,200 | 572 |
| Average total loans | $1,613,231,800 | 444 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9553% | 3,970 |
| Cost of funding earning assets | 0.1589% | 3,741 |
| Net interest margin | 2.7965% | 3,746 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.0411% | 3,375 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.0851% | 2,158 |
| Return on assets (ROA) | 1.0851% | 2,125 |
| Pretax return on assets | 1.3916% | 1,739 |
| Return on Equity (ROE) | 17.8500% | 662 |
| Retained earnings to average equity (ytd only) | 13.0657% | 600 |
| Net charge-offs to loans | -0.0063% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.1215% | 3,231 |
| Assets per employee ($millions) | 9.2685% | 810 |
| Cash dividends to net income (ytd only)* | 26.7971% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 1,888 |
| Loan loss allowance to noncurrent loans | 412.5798% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 2,405 |
| Noncurrent loans to loans | 0.3223% | 2,081 |
| Net loans and leases to total assets | 53.8300% | 3,122 |
| Net loans and leases to deposits | 59.9024% | 3,209 |
| Net loans and leases to core deposits | 60.3451% | 3,359 |
| Total domestic deposits to total assets | 89.8700% | 1,720 |
| Equity capital to assets | 5.5357% | 4,119 |
| Core capital (leverage) ratio | 7.7379% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0553% | 2,457 |
| Memoranda: | ||
| Average total assets | $3,034,044,750 | 389 |
| Average earning assets | $2,881,315,250 | 373 |
| Average equity | $184,458,000 | 570 |
| Average total loans | $1,603,960,250 | 443 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6183% | 4,257 |
| Cost of funding earning assets | 0.0836% | 4,337 |
| Net interest margin | 2.5347% | 4,025 |
| Noninterest income to average assets | 0.8419% | 964 |
| Noninterest expense to average assets | 1.9419% | 3,599 |
| Loan and lease loss provision to assets | 0.0767% | 1,259 |
| Net operating income to assets | 0.9666% | 2,285 |
| Return on assets (ROA) | 0.9666% | 2,260 |
| Pretax return on assets | 1.2355% | 1,947 |
| Return on Equity (ROE) | 15.4573% | 806 |
| Retained earnings to average equity (ytd only) | 11.7280% | 657 |
| Net charge-offs to loans | -0.0091% | 3,560 |
| Credit loss provision to net charge-offs | -1,610.9589% | 3,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6749% | 3,336 |
| Assets per employee ($millions) | 9.3834% | 784 |
| Cash dividends to net income (ytd only)* | 24.1261% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,985 |
| Loan loss allowance to noncurrent loans | 412.7903% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 2,446 |
| Noncurrent loans to loans | 0.3256% | 2,176 |
| Net loans and leases to total assets | 55.0933% | 2,843 |
| Net loans and leases to deposits | 61.4176% | 2,935 |
| Net loans and leases to core deposits | 61.9743% | 3,119 |
| Total domestic deposits to total assets | 89.7028% | 1,844 |
| Equity capital to assets | 6.0574% | 4,184 |
| Core capital (leverage) ratio | 7.4523% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6154% | 2,646 |
| Memoranda: | ||
| Average total assets | $3,066,022,667 | 381 |
| Average earning assets | $2,917,902,333 | 365 |
| Average equity | $191,728,667 | 557 |
| Average total loans | $1,604,267,667 | 437 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4487% | 4,328 |
| Cost of funding earning assets | 0.0716% | 4,433 |
| Net interest margin | 2.3771% | 4,113 |
| Noninterest income to average assets | 0.8652% | 900 |
| Noninterest expense to average assets | 1.8698% | 3,753 |
| Loan and lease loss provision to assets | 0.0666% | 1,226 |
| Net operating income to assets | 0.9371% | 2,121 |
| Return on assets (ROA) | 0.9371% | 2,113 |
| Pretax return on assets | 1.1946% | 1,830 |
| Return on Equity (ROE) | 14.7684% | 690 |
| Retained earnings to average equity (ytd only) | 11.1639% | 754 |
| Net charge-offs to loans | -0.0108% | 3,617 |
| Credit loss provision to net charge-offs | -1,211.6279% | 3,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7209% | 3,513 |
| Assets per employee ($millions) | 10.0218% | 676 |
| Cash dividends to net income (ytd only)* | 24.4069% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 2,166 |
| Loan loss allowance to noncurrent loans | 409.7065% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 2,610 |
| Noncurrent loans to loans | 0.3269% | 2,308 |
| Net loans and leases to total assets | 50.8089% | 3,092 |
| Net loans and leases to deposits | 56.6425% | 3,203 |
| Net loans and leases to core deposits | 57.1236% | 3,368 |
| Total domestic deposits to total assets | 89.7009% | 1,717 |
| Equity capital to assets | 6.0741% | 4,568 |
| Core capital (leverage) ratio | 7.2023% | 4,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9825% | 2,616 |
| Memoranda: | ||
| Average total assets | $3,130,538,000 | 376 |
| Average earning assets | $2,983,971,500 | 364 |
| Average equity | $198,641,000 | 549 |
| Average total loans | $1,586,337,500 | 441 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4370% | 4,523 |
| Cost of funding earning assets | 0.0839% | 4,508 |
| Net interest margin | 2.3531% | 4,364 |
| Noninterest income to average assets | 0.8928% | 1,224 |
| Noninterest expense to average assets | 1.9777% | 3,746 |
| Loan and lease loss provision to assets | 0.0026% | 3,024 |
| Net operating income to assets | 0.9177% | 2,979 |
| Return on assets (ROA) | 0.9175% | 3,040 |
| Pretax return on assets | 1.1712% | 2,757 |
| Return on Equity (ROE) | 13.2953% | 1,373 |
| Retained earnings to average equity (ytd only) | 8.9609% | 1,218 |
| Net charge-offs to loans | -0.0037% | 3,480 |
| Credit loss provision to net charge-offs | -130.5085% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7492% | 2,757 |
| Assets per employee ($millions) | 9.9821% | 670 |
| Cash dividends to net income (ytd only)* | 32.6011% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,281 |
| Loan loss allowance to noncurrent loans | 1,306.9767% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0503% | 3,636 |
| Noncurrent loans to loans | 0.1008% | 3,426 |
| Net loans and leases to total assets | 49.2079% | 3,381 |
| Net loans and leases to deposits | 55.7228% | 3,444 |
| Net loans and leases to core deposits | 56.2595% | 3,598 |
| Total domestic deposits to total assets | 88.3085% | 1,867 |
| Equity capital to assets | 6.6107% | 4,778 |
| Core capital (leverage) ratio | 6.8970% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0605% | 2,608 |
| Memoranda: | ||
| Average total assets | $3,011,604,400 | 375 |
| Average earning assets | $2,890,979,400 | 359 |
| Average equity | $207,825,600 | 519 |
| Average total loans | $1,603,362,400 | 440 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4643% | 4,596 |
| Cost of funding earning assets | 0.0862% | 4,604 |
| Net interest margin | 2.3781% | 4,422 |
| Noninterest income to average assets | 0.9143% | 1,227 |
| Noninterest expense to average assets | 1.9976% | 3,678 |
| Loan and lease loss provision to assets | -0.0246% | 4,366 |
| Net operating income to assets | 0.9611% | 3,042 |
| Return on assets (ROA) | 0.9608% | 3,126 |
| Pretax return on assets | 1.2280% | 2,841 |
| Return on Equity (ROE) | 13.7683% | 1,461 |
| Retained earnings to average equity (ytd only) | 9.4269% | 1,525 |
| Net charge-offs to loans | -0.0028% | 3,283 |
| Credit loss provision to net charge-offs | 1,611.7647% | 379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3979% | 2,633 |
| Assets per employee ($millions) | 9.7399% | 700 |
| Cash dividends to net income (ytd only)* | 31.5318% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 2,406 |
| Loan loss allowance to noncurrent loans | 610.2393% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 3,384 |
| Noncurrent loans to loans | 0.2160% | 3,088 |
| Net loans and leases to total assets | 49.3201% | 3,490 |
| Net loans and leases to deposits | 55.7399% | 3,600 |
| Net loans and leases to core deposits | 56.3541% | 3,746 |
| Total domestic deposits to total assets | 88.4825% | 1,573 |
| Equity capital to assets | 6.8792% | 4,833 |
| Core capital (leverage) ratio | 6.9483% | 4,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8130% | 2,422 |
| Memoranda: | ||
| Average total assets | $2,973,421,250 | 379 |
| Average earning assets | $2,859,732,250 | 366 |
| Average equity | $207,486,000 | 523 |
| Average total loans | $1,609,728,500 | 442 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4749% | 4,638 |
| Cost of funding earning assets | 0.0881% | 4,649 |
| Net interest margin | 2.3868% | 4,433 |
| Noninterest income to average assets | 0.9532% | 1,153 |
| Noninterest expense to average assets | 1.9723% | 3,781 |
| Loan and lease loss provision to assets | -0.0759% | 4,574 |
| Net operating income to assets | 1.0579% | 2,688 |
| Return on assets (ROA) | 1.0595% | 2,756 |
| Pretax return on assets | 1.3538% | 2,462 |
| Return on Equity (ROE) | 15.1095% | 1,125 |
| Retained earnings to average equity (ytd only) | 10.7477% | 1,186 |
| Net charge-offs to loans | -0.0083% | 3,608 |
| Credit loss provision to net charge-offs | 1,644.1176% | 337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7221% | 2,906 |
| Assets per employee ($millions) | 9.3767% | 748 |
| Cash dividends to net income (ytd only)* | 28.8681% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2669% | 2,597 |
| Loan loss allowance to noncurrent loans | 551.5612% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 3,450 |
| Noncurrent loans to loans | 0.2297% | 3,135 |
| Net loans and leases to total assets | 50.7689% | 3,473 |
| Net loans and leases to deposits | 57.2004% | 3,623 |
| Net loans and leases to core deposits | 57.8552% | 3,763 |
| Total domestic deposits to total assets | 88.7562% | 1,412 |
| Equity capital to assets | 7.0244% | 4,842 |
| Core capital (leverage) ratio | 7.0462% | 4,848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2522% | 2,265 |
| Memoranda: | ||
| Average total assets | $2,945,119,333 | 379 |
| Average earning assets | $2,831,731,333 | 366 |
| Average equity | $206,519,000 | 521 |
| Average total loans | $1,636,800,333 | 437 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5754% | 4,591 |
| Cost of funding earning assets | 0.0918% | 4,694 |
| Net interest margin | 2.4836% | 4,320 |
| Noninterest income to average assets | 0.8608% | 1,428 |
| Noninterest expense to average assets | 1.9138% | 3,959 |
| Loan and lease loss provision to assets | 0.0298% | 2,393 |
| Net operating income to assets | 1.0210% | 2,746 |
| Return on assets (ROA) | 1.0210% | 2,827 |
| Pretax return on assets | 1.3021% | 2,563 |
| Return on Equity (ROE) | 14.5738% | 1,306 |
| Retained earnings to average equity (ytd only) | 10.1595% | 1,612 |
| Net charge-offs to loans | -0.0036% | 3,270 |
| Credit loss provision to net charge-offs | -1,446.6667% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9634% | 3,164 |
| Assets per employee ($millions) | 9.2940% | 749 |
| Cash dividends to net income (ytd only)* | 30.2892% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 2,706 |
| Loan loss allowance to noncurrent loans | 949.5455% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 3,840 |
| Noncurrent loans to loans | 0.1308% | 3,658 |
| Net loans and leases to total assets | 55.4930% | 3,095 |
| Net loans and leases to deposits | 63.7644% | 3,146 |
| Net loans and leases to core deposits | 64.5729% | 3,362 |
| Total domestic deposits to total assets | 87.0282% | 2,304 |
| Equity capital to assets | 6.7580% | 4,883 |
| Core capital (leverage) ratio | 7.1106% | 4,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7373% | 2,396 |
| Memoranda: | ||
| Average total assets | $2,912,725,000 | 380 |
| Average earning assets | $2,797,068,500 | 367 |
| Average equity | $204,065,000 | 521 |
| Average total loans | $1,681,347,500 | 423 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9426% | 4,676 |
| Cost of funding earning assets | 0.2250% | 4,486 |
| Net interest margin | 2.7176% | 4,358 |
| Noninterest income to average assets | 0.8755% | 1,329 |
| Noninterest expense to average assets | 2.1205% | 3,891 |
| Loan and lease loss provision to assets | 0.1751% | 2,195 |
| Net operating income to assets | 0.9317% | 2,555 |
| Return on assets (ROA) | 0.9485% | 2,635 |
| Pretax return on assets | 1.2030% | 2,311 |
| Return on Equity (ROE) | 12.2659% | 1,241 |
| Retained earnings to average equity (ytd only) | 11.3620% | 391 |
| Net charge-offs to loans | 0.0068% | 3,100 |
| Credit loss provision to net charge-offs | 4,077.7778% | 255 |
| Earnings coverage of net charge-offs (x) | 315.9907% | 335 |
| Efficiency ratio | 60.9808% | 3,319 |
| Assets per employee ($millions) | 8.9362% | 758 |
| Cash dividends to net income (ytd only)* | 7.3692% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,798 |
| Loan loss allowance to noncurrent loans | 895.8369% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 3,920 |
| Noncurrent loans to loans | 0.1372% | 3,733 |
| Net loans and leases to total assets | 58.6146% | 3,023 |
| Net loans and leases to deposits | 68.7119% | 3,009 |
| Net loans and leases to core deposits | 69.6248% | 3,278 |
| Total domestic deposits to total assets | 85.3049% | 2,651 |
| Equity capital to assets | 7.2680% | 4,879 |
| Core capital (leverage) ratio | 7.2411% | 4,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5306% | 2,433 |
| Memoranda: | ||
| Average total assets | $2,515,159,400 | 393 |
| Average earning assets | $2,408,078,800 | 378 |
| Average equity | $194,490,800 | 515 |
| Average total loans | $1,587,689,600 | 427 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9937% | 4,738 |
| Cost of funding earning assets | 0.2694% | 4,435 |
| Net interest margin | 2.7243% | 4,439 |
| Noninterest income to average assets | 0.8625% | 1,326 |
| Noninterest expense to average assets | 2.1211% | 3,893 |
| Loan and lease loss provision to assets | 0.1948% | 2,031 |
| Net operating income to assets | 0.9080% | 2,662 |
| Return on assets (ROA) | 0.9080% | 2,797 |
| Pretax return on assets | 1.1534% | 2,556 |
| Return on Equity (ROE) | 11.5407% | 1,499 |
| Retained earnings to average equity (ytd only) | 10.7315% | 625 |
| Net charge-offs to loans | 0.0146% | 2,596 |
| Credit loss provision to net charge-offs | 2,080.7018% | 461 |
| Earnings coverage of net charge-offs (x) | 144.0292% | 625 |
| Efficiency ratio | 61.1401% | 3,199 |
| Assets per employee ($millions) | 8.3868% | 878 |
| Cash dividends to net income (ytd only)* | 7.0111% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,842 |
| Loan loss allowance to noncurrent loans | 847.9605% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 3,996 |
| Noncurrent loans to loans | 0.1379% | 3,830 |
| Net loans and leases to total assets | 62.5912% | 2,934 |
| Net loans and leases to deposits | 73.4214% | 3,006 |
| Net loans and leases to core deposits | 80.1323% | 2,829 |
| Total domestic deposits to total assets | 79.3466% | 3,991 |
| Equity capital to assets | 7.5243% | 4,853 |
| Core capital (leverage) ratio | 7.4875% | 4,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7277% | 2,313 |
| Memoranda: | ||
| Average total assets | $2,435,755,500 | 398 |
| Average earning assets | $2,330,673,750 | 378 |
| Average equity | $191,642,000 | 517 |
| Average total loans | $1,564,342,250 | 424 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1894% | 4,724 |
| Cost of funding earning assets | 0.3479% | 4,279 |
| Net interest margin | 2.8416% | 4,394 |
| Noninterest income to average assets | 0.8643% | 1,252 |
| Noninterest expense to average assets | 2.2190% | 3,724 |
| Loan and lease loss provision to assets | 0.1765% | 2,252 |
| Net operating income to assets | 0.9316% | 2,575 |
| Return on assets (ROA) | 0.9316% | 2,706 |
| Pretax return on assets | 1.1839% | 2,415 |
| Return on Equity (ROE) | 11.6491% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.0490% | 593 |
| Net charge-offs to loans | 0.0680% | 1,564 |
| Credit loss provision to net charge-offs | 401.7375% | 1,399 |
| Earnings coverage of net charge-offs (x) | 30.9710% | 1,408 |
| Efficiency ratio | 61.9951% | 3,125 |
| Assets per employee ($millions) | 8.1797% | 909 |
| Cash dividends to net income (ytd only)* | 5.1515% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 3,293 |
| Loan loss allowance to noncurrent loans | 560.8573% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 3,895 |
| Noncurrent loans to loans | 0.1883% | 3,706 |
| Net loans and leases to total assets | 66.0277% | 2,623 |
| Net loans and leases to deposits | 76.9002% | 2,765 |
| Net loans and leases to core deposits | 84.5191% | 2,567 |
| Total domestic deposits to total assets | 79.4086% | 3,952 |
| Equity capital to assets | 7.7259% | 4,822 |
| Core capital (leverage) ratio | 7.5271% | 4,908 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2958% | 2,486 |
| Memoranda: | ||
| Average total assets | $2,358,678,333 | 403 |
| Average earning assets | $2,253,685,667 | 383 |
| Average equity | $188,632,000 | 525 |
| Average total loans | $1,522,773,333 | 429 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4643% | 4,668 |
| Cost of funding earning assets | 0.5107% | 3,890 |
| Net interest margin | 2.9536% | 4,354 |
| Noninterest income to average assets | 0.7553% | 1,450 |
| Noninterest expense to average assets | 2.3547% | 3,636 |
| Loan and lease loss provision to assets | 0.1312% | 2,084 |
| Net operating income to assets | 0.8591% | 2,664 |
| Return on assets (ROA) | 0.8591% | 2,767 |
| Pretax return on assets | 1.0881% | 2,561 |
| Return on Equity (ROE) | 10.5416% | 1,557 |
| Retained earnings to average equity (ytd only) | 10.5416% | 635 |
| Net charge-offs to loans | -0.0047% | 3,854 |
| Credit loss provision to net charge-offs | -4,370.5882% | 3,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8863% | 2,983 |
| Assets per employee ($millions) | 7.1394% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 2,689 |
| Loan loss allowance to noncurrent loans | 610.4100% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 4,004 |
| Noncurrent loans to loans | 0.1961% | 3,778 |
| Net loans and leases to total assets | 62.6553% | 3,229 |
| Net loans and leases to deposits | 73.9867% | 3,277 |
| Net loans and leases to core deposits | 81.4084% | 3,073 |
| Total domestic deposits to total assets | 78.4641% | 4,141 |
| Equity capital to assets | 8.4494% | 4,852 |
| Core capital (leverage) ratio | 7.9714% | 4,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8054% | 2,791 |
| Memoranda: | ||
| Average total assets | $2,266,069,000 | 404 |
| Average earning assets | $2,162,508,000 | 385 |
| Average equity | $184,678,000 | 536 |
| Average total loans | $1,435,359,000 | 440 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 4,154 |
| Cost of funding earning assets | 0.8013% | 2,679 |
| Net interest margin | 3.2428% | 4,098 |
| Noninterest income to average assets | 0.9290% | 1,118 |
| Noninterest expense to average assets | 2.5346% | 3,359 |
| Loan and lease loss provision to assets | 0.0068% | 3,869 |
| Net operating income to assets | 1.1446% | 2,275 |
| Return on assets (ROA) | 1.1415% | 2,386 |
| Pretax return on assets | 1.4605% | 1,934 |
| Return on Equity (ROE) | 13.8245% | 937 |
| Retained earnings to average equity (ytd only) | 0.0682% | 4,672 |
| Net charge-offs to loans | -0.0133% | 4,543 |
| Credit loss provision to net charge-offs | -77.6042% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2724% | 3,181 |
| Assets per employee ($millions) | 7.0467% | 1,021 |
| Cash dividends to net income (ytd only)* | 99.5068% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 2,761 |
| Loan loss allowance to noncurrent loans | 521.5811% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 3,932 |
| Noncurrent loans to loans | 0.2178% | 3,674 |
| Net loans and leases to total assets | 62.5503% | 3,351 |
| Net loans and leases to deposits | 74.8450% | 3,275 |
| Net loans and leases to core deposits | 82.8525% | 3,054 |
| Total domestic deposits to total assets | 77.3305% | 4,457 |
| Equity capital to assets | 7.8526% | 5,074 |
| Core capital (leverage) ratio | 7.9533% | 5,050 |
| Tier 1 risk-based capital ratio | 11.3878% | 4,693 |
| Total risk-based capital ratio | 12.4467% | 4,671 |
| Memoranda: | ||
| Average total assets | $2,184,828,600 | 397 |
| Average earning assets | $2,072,939,000 | 380 |
| Average equity | $180,404,600 | 516 |
| Average total loans | $1,443,478,200 | 419 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 4,055 |
| Cost of funding earning assets | 0.8650% | 2,385 |
| Net interest margin | 3.2772% | 4,133 |
| Noninterest income to average assets | 0.8959% | 1,151 |
| Noninterest expense to average assets | 2.5486% | 3,300 |
| Loan and lease loss provision to assets | 0.0250% | 3,393 |
| Net operating income to assets | 1.1171% | 2,505 |
| Return on assets (ROA) | 1.1176% | 2,593 |
| Pretax return on assets | 1.4292% | 2,193 |
| Return on Equity (ROE) | 13.3630% | 1,154 |
| Retained earnings to average equity (ytd only) | 3.5880% | 3,607 |
| Net charge-offs to loans | -0.0095% | 4,359 |
| Credit loss provision to net charge-offs | -394.1748% | 4,283 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6799% | 3,068 |
| Assets per employee ($millions) | 6.5528% | 1,239 |
| Cash dividends to net income (ytd only)* | 73.1501% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1254% | 2,898 |
| Loan loss allowance to noncurrent loans | 457.1350% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 3,898 |
| Noncurrent loans to loans | 0.2462% | 3,661 |
| Net loans and leases to total assets | 67.5708% | 2,855 |
| Net loans and leases to deposits | 80.3723% | 2,862 |
| Net loans and leases to core deposits | 89.0844% | 2,628 |
| Total domestic deposits to total assets | 77.7781% | 4,390 |
| Equity capital to assets | 8.5232% | 4,990 |
| Core capital (leverage) ratio | 8.4759% | 4,958 |
| Tier 1 risk-based capital ratio | 11.4766% | 4,679 |
| Total risk-based capital ratio | 12.5265% | 4,676 |
| Memoranda: | ||
| Average total assets | $2,162,017,250 | 400 |
| Average earning assets | $2,049,279,750 | 382 |
| Average equity | $180,822,750 | 515 |
| Average total loans | $1,444,334,500 | 420 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 4,022 |
| Cost of funding earning assets | 0.8974% | 2,159 |
| Net interest margin | 3.2622% | 4,218 |
| Noninterest income to average assets | 0.8634% | 1,168 |
| Noninterest expense to average assets | 2.5195% | 3,415 |
| Loan and lease loss provision to assets | 0.0769% | 2,277 |
| Net operating income to assets | 1.0657% | 2,662 |
| Return on assets (ROA) | 1.0665% | 2,721 |
| Pretax return on assets | 1.3637% | 2,327 |
| Return on Equity (ROE) | 12.8331% | 1,294 |
| Retained earnings to average equity (ytd only) | 7.9652% | 1,416 |
| Net charge-offs to loans | 0.0111% | 2,735 |
| Credit loss provision to net charge-offs | 1,041.2500% | 332 |
| Earnings coverage of net charge-offs (x) | 194.9125% | 398 |
| Efficiency ratio | 63.6374% | 3,191 |
| Assets per employee ($millions) | 6.5219% | 1,228 |
| Cash dividends to net income (ytd only)* | 37.9328% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 2,812 |
| Loan loss allowance to noncurrent loans | 219.1248% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 3,108 |
| Noncurrent loans to loans | 0.5226% | 2,714 |
| Net loans and leases to total assets | 67.4910% | 2,889 |
| Net loans and leases to deposits | 80.1254% | 2,939 |
| Net loans and leases to core deposits | 88.4578% | 2,751 |
| Total domestic deposits to total assets | 78.2152% | 4,352 |
| Equity capital to assets | 8.6248% | 4,996 |
| Core capital (leverage) ratio | 8.5316% | 4,952 |
| Tier 1 risk-based capital ratio | 11.7010% | 4,572 |
| Total risk-based capital ratio | 12.7736% | 4,564 |
| Memoranda: | ||
| Average total assets | $2,166,253,670 | 402 |
| Average earning assets | $2,055,666,330 | 385 |
| Average equity | $180,034,000 | 514 |
| Average total loans | $1,436,167,670 | 421 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 4,058 |
| Cost of funding earning assets | 0.8806% | 2,089 |
| Net interest margin | 3.2461% | 4,289 |
| Noninterest income to average assets | 0.6993% | 1,618 |
| Noninterest expense to average assets | 2.5564% | 3,353 |
| Loan and lease loss provision to assets | 0.0540% | 2,584 |
| Net operating income to assets | 0.9196% | 3,162 |
| Return on assets (ROA) | 0.9196% | 3,196 |
| Pretax return on assets | 1.1679% | 2,916 |
| Return on Equity (ROE) | 11.2753% | 1,833 |
| Retained earnings to average equity (ytd only) | 7.2623% | 1,947 |
| Net charge-offs to loans | 0.0056% | 2,502 |
| Credit loss provision to net charge-offs | 1,470.0000% | 276 |
| Earnings coverage of net charge-offs (x) | 332.4500% | 242 |
| Efficiency ratio | 67.6589% | 2,684 |
| Assets per employee ($millions) | 6.7857% | 1,093 |
| Cash dividends to net income (ytd only)* | 35.5915% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 2,861 |
| Loan loss allowance to noncurrent loans | 191.0541% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 3,027 |
| Noncurrent loans to loans | 0.6013% | 2,533 |
| Net loans and leases to total assets | 63.7701% | 3,317 |
| Net loans and leases to deposits | 75.1220% | 3,346 |
| Net loans and leases to core deposits | 82.7447% | 3,127 |
| Total domestic deposits to total assets | 78.9761% | 4,354 |
| Equity capital to assets | 8.1820% | 5,134 |
| Core capital (leverage) ratio | 8.2419% | 5,124 |
| Tier 1 risk-based capital ratio | 11.6566% | 4,652 |
| Total risk-based capital ratio | 12.7174% | 4,657 |
| Memoranda: | ||
| Average total assets | $2,176,534,500 | 399 |
| Average earning assets | $2,064,477,000 | 384 |
| Average equity | $177,520,000 | 516 |
| Average total loans | $1,421,789,500 | 427 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9674% | 4,118 |
| Cost of funding earning assets | 0.4564% | 3,639 |
| Net interest margin | 3.5110% | 3,668 |
| Noninterest income to average assets | 0.9559% | 1,051 |
| Noninterest expense to average assets | 2.8901% | 2,391 |
| Loan and lease loss provision to assets | 0.0033% | 4,040 |
| Net operating income to assets | 1.0852% | 2,659 |
| Return on assets (ROA) | 1.0837% | 2,661 |
| Pretax return on assets | 1.3782% | 2,214 |
| Return on Equity (ROE) | 13.5430% | 1,159 |
| Retained earnings to average equity (ytd only) | 8.7645% | 950 |
| Net charge-offs to loans | -0.0694% | 5,062 |
| Credit loss provision to net charge-offs | -6.9815% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6286% | 2,608 |
| Assets per employee ($millions) | 6.6702% | 1,131 |
| Cash dividends to net income (ytd only)* | 35.2840% | 2,771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 2,958 |
| Loan loss allowance to noncurrent loans | 351.4919% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2141% | 3,750 |
| Noncurrent loans to loans | 0.3198% | 3,402 |
| Net loans and leases to total assets | 65.4088% | 3,210 |
| Net loans and leases to deposits | 77.0791% | 3,272 |
| Net loans and leases to core deposits | 83.3161% | 3,147 |
| Total domestic deposits to total assets | 80.3700% | 4,022 |
| Equity capital to assets | 8.1297% | 5,116 |
| Core capital (leverage) ratio | 8.3018% | 5,119 |
| Tier 1 risk-based capital ratio | 11.4539% | 4,741 |
| Total risk-based capital ratio | 12.4976% | 4,755 |
| Memoranda: | ||
| Average total assets | $2,084,701,200 | 405 |
| Average earning assets | $1,969,844,400 | 390 |
| Average equity | $166,809,000 | 527 |
| Average total loans | $1,403,253,000 | 424 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 4,195 |
| Cost of funding earning assets | 0.3582% | 4,131 |
| Net interest margin | 3.5491% | 3,525 |
| Noninterest income to average assets | 0.9477% | 1,066 |
| Noninterest expense to average assets | 2.8597% | 2,432 |
| Loan and lease loss provision to assets | 0.0417% | 3,163 |
| Net operating income to assets | 1.1026% | 2,653 |
| Return on assets (ROA) | 1.1005% | 2,681 |
| Pretax return on assets | 1.3965% | 2,241 |
| Return on Equity (ROE) | 13.8111% | 1,169 |
| Retained earnings to average equity (ytd only) | 8.3662% | 1,489 |
| Net charge-offs to loans | 0.0444% | 2,211 |
| Credit loss provision to net charge-offs | 138.9247% | 1,815 |
| Earnings coverage of net charge-offs (x) | 48.0434% | 1,199 |
| Efficiency ratio | 66.4962% | 2,784 |
| Assets per employee ($millions) | 6.1832% | 1,361 |
| Cash dividends to net income (ytd only)* | 39.4245% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0729% | 3,336 |
| Loan loss allowance to noncurrent loans | 260.2575% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 3,520 |
| Noncurrent loans to loans | 0.4122% | 3,176 |
| Net loans and leases to total assets | 68.7145% | 2,837 |
| Net loans and leases to deposits | 80.2392% | 3,013 |
| Net loans and leases to core deposits | 86.1164% | 2,982 |
| Total domestic deposits to total assets | 81.8487% | 3,659 |
| Equity capital to assets | 8.3449% | 5,013 |
| Core capital (leverage) ratio | 8.5478% | 5,071 |
| Tier 1 risk-based capital ratio | 11.2365% | 4,935 |
| Total risk-based capital ratio | 12.2295% | 4,939 |
| Memoranda: | ||
| Average total assets | $2,067,254,000 | 407 |
| Average earning assets | $1,952,942,000 | 395 |
| Average equity | $164,723,000 | 524 |
| Average total loans | $1,397,754,250 | 419 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 4,283 |
| Cost of funding earning assets | 0.2990% | 4,423 |
| Net interest margin | 3.5272% | 3,545 |
| Noninterest income to average assets | 0.9543% | 1,042 |
| Noninterest expense to average assets | 2.8372% | 2,551 |
| Loan and lease loss provision to assets | 0.1354% | 1,452 |
| Net operating income to assets | 1.0299% | 2,894 |
| Return on assets (ROA) | 1.0269% | 2,913 |
| Pretax return on assets | 1.3105% | 2,465 |
| Return on Equity (ROE) | 13.0897% | 1,345 |
| Retained earnings to average equity (ytd only) | 6.3627% | 2,379 |
| Net charge-offs to loans | 0.1883% | 829 |
| Credit loss provision to net charge-offs | 107.3227% | 1,930 |
| Earnings coverage of net charge-offs (x) | 11.4905% | 2,265 |
| Efficiency ratio | 66.1833% | 2,943 |
| Assets per employee ($millions) | 6.1964% | 1,332 |
| Cash dividends to net income (ytd only)* | 51.3916% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 3,443 |
| Loan loss allowance to noncurrent loans | 182.0432% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 2,985 |
| Noncurrent loans to loans | 0.5871% | 2,657 |
| Net loans and leases to total assets | 68.8689% | 2,744 |
| Net loans and leases to deposits | 79.4806% | 3,004 |
| Net loans and leases to core deposits | 83.5605% | 3,115 |
| Total domestic deposits to total assets | 84.3413% | 2,935 |
| Equity capital to assets | 8.1546% | 5,168 |
| Core capital (leverage) ratio | 8.0188% | 5,340 |
| Tier 1 risk-based capital ratio | 10.8270% | 5,142 |
| Total risk-based capital ratio | 11.8079% | 5,147 |
| Memoranda: | ||
| Average total assets | $2,078,244,670 | 408 |
| Average earning assets | $1,963,589,670 | 395 |
| Average equity | $163,044,330 | 528 |
| Average total loans | $1,392,670,000 | 420 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,336 |
| Cost of funding earning assets | 0.2581% | 4,659 |
| Net interest margin | 3.4991% | 3,540 |
| Noninterest income to average assets | 0.8896% | 1,175 |
| Noninterest expense to average assets | 2.7845% | 2,757 |
| Loan and lease loss provision to assets | 0.0637% | 2,498 |
| Net operating income to assets | 1.0567% | 2,620 |
| Return on assets (ROA) | 1.0567% | 2,632 |
| Pretax return on assets | 1.3455% | 2,201 |
| Return on Equity (ROE) | 13.7301% | 1,077 |
| Retained earnings to average equity (ytd only) | 3.2553% | 3,906 |
| Net charge-offs to loans | -0.0017% | 3,797 |
| Credit loss provision to net charge-offs | -5,583.3333% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3977% | 3,095 |
| Assets per employee ($millions) | 6.3393% | 1,289 |
| Cash dividends to net income (ytd only)* | 76.2907% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,292 |
| Loan loss allowance to noncurrent loans | 262.1941% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3164% | 3,564 |
| Noncurrent loans to loans | 0.4253% | 3,263 |
| Net loans and leases to total assets | 64.9476% | 3,186 |
| Net loans and leases to deposits | 75.2719% | 3,293 |
| Net loans and leases to core deposits | 78.7936% | 3,427 |
| Total domestic deposits to total assets | 84.3661% | 3,162 |
| Equity capital to assets | 7.7294% | 5,357 |
| Core capital (leverage) ratio | 7.8751% | 5,422 |
| Tier 1 risk-based capital ratio | 10.9233% | 5,171 |
| Total risk-based capital ratio | 11.9523% | 5,176 |
| Memoranda: | ||
| Average total assets | $2,104,252,000 | 406 |
| Average earning assets | $1,986,900,500 | 393 |
| Average equity | $161,951,000 | 534 |
| Average total loans | $1,383,746,500 | 421 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3948% | 4,949 |
| Cost of funding earning assets | 0.1893% | 5,027 |
| Net interest margin | 3.2055% | 4,434 |
| Noninterest income to average assets | 0.8396% | 1,440 |
| Noninterest expense to average assets | 2.5641% | 3,564 |
| Loan and lease loss provision to assets | 0.0540% | 3,154 |
| Net operating income to assets | 0.7872% | 3,221 |
| Return on assets (ROA) | 0.7771% | 3,305 |
| Pretax return on assets | 1.2433% | 2,579 |
| Return on Equity (ROE) | 10.1528% | 1,823 |
| Retained earnings to average equity (ytd only) | 7.3101% | 977 |
| Net charge-offs to loans | 0.0044% | 3,934 |
| Credit loss provision to net charge-offs | 1,840.0000% | 209 |
| Earnings coverage of net charge-offs (x) | 447.3167% | 191 |
| Efficiency ratio | 66.1355% | 3,244 |
| Assets per employee ($millions) | 6.5528% | 1,180 |
| Cash dividends to net income (ytd only)* | 27.9995% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 3,478 |
| Loan loss allowance to noncurrent loans | 243.3236% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 3,516 |
| Noncurrent loans to loans | 0.4418% | 3,199 |
| Net loans and leases to total assets | 65.1305% | 3,209 |
| Net loans and leases to deposits | 76.4939% | 3,282 |
| Net loans and leases to core deposits | 79.0399% | 3,501 |
| Total domestic deposits to total assets | 84.2941% | 3,096 |
| Equity capital to assets | 7.6637% | 5,499 |
| Core capital (leverage) ratio | 7.7380% | 5,513 |
| Tier 1 risk-based capital ratio | 10.6569% | 5,314 |
| Total risk-based capital ratio | 11.6465% | 5,321 |
| Memoranda: | ||
| Average total assets | $2,044,150,800 | 401 |
| Average earning assets | $1,936,995,800 | 387 |
| Average equity | $156,468,600 | 527 |
| Average total loans | $1,356,654,000 | 416 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3569% | 5,030 |
| Cost of funding earning assets | 0.1770% | 5,149 |
| Net interest margin | 3.1799% | 4,510 |
| Noninterest income to average assets | 0.8519% | 1,420 |
| Noninterest expense to average assets | 2.6271% | 3,330 |
| Loan and lease loss provision to assets | 0.0441% | 3,221 |
| Net operating income to assets | 0.8213% | 3,431 |
| Return on assets (ROA) | 0.8219% | 3,465 |
| Pretax return on assets | 1.2032% | 2,895 |
| Return on Equity (ROE) | 10.7414% | 1,805 |
| Retained earnings to average equity (ytd only) | 7.8733% | 1,271 |
| Net charge-offs to loans | 0.0053% | 3,542 |
| Credit loss provision to net charge-offs | 1,240.7407% | 298 |
| Earnings coverage of net charge-offs (x) | 350.7135% | 269 |
| Efficiency ratio | 67.8236% | 2,903 |
| Assets per employee ($millions) | 6.4624% | 1,207 |
| Cash dividends to net income (ytd only)* | 26.7014% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,741 |
| Loan loss allowance to noncurrent loans | 243.8988% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 3,707 |
| Noncurrent loans to loans | 0.4340% | 3,405 |
| Net loans and leases to total assets | 66.5998% | 3,027 |
| Net loans and leases to deposits | 77.4871% | 3,225 |
| Net loans and leases to core deposits | 80.2042% | 3,438 |
| Total domestic deposits to total assets | 85.1057% | 2,675 |
| Equity capital to assets | 7.8333% | 5,560 |
| Core capital (leverage) ratio | 7.7845% | 5,573 |
| Tier 1 risk-based capital ratio | 10.8261% | 5,332 |
| Total risk-based capital ratio | 11.8167% | 5,359 |
| Memoranda: | ||
| Average total assets | $2,026,053,000 | 405 |
| Average earning assets | $1,925,146,750 | 388 |
| Average equity | $155,034,500 | 536 |
| Average total loans | $1,347,444,000 | 421 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2801% | 5,133 |
| Cost of funding earning assets | 0.1689% | 5,215 |
| Net interest margin | 3.1113% | 4,652 |
| Noninterest income to average assets | 0.8394% | 1,443 |
| Noninterest expense to average assets | 2.5941% | 3,449 |
| Loan and lease loss provision to assets | 0.0549% | 2,876 |
| Net operating income to assets | 0.7978% | 3,412 |
| Return on assets (ROA) | 0.7987% | 3,466 |
| Pretax return on assets | 1.1481% | 2,986 |
| Return on Equity (ROE) | 10.5222% | 1,822 |
| Retained earnings to average equity (ytd only) | 7.6250% | 1,304 |
| Net charge-offs to loans | 0.0130% | 3,001 |
| Credit loss provision to net charge-offs | 637.9310% | 538 |
| Earnings coverage of net charge-offs (x) | 139.5517% | 530 |
| Efficiency ratio | 68.3416% | 2,949 |
| Assets per employee ($millions) | 6.3965% | 1,209 |
| Cash dividends to net income (ytd only)* | 27.5341% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0874% | 3,657 |
| Loan loss allowance to noncurrent loans | 175.5179% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4288% | 3,394 |
| Noncurrent loans to loans | 0.6196% | 2,876 |
| Net loans and leases to total assets | 64.4072% | 3,330 |
| Net loans and leases to deposits | 73.3393% | 3,616 |
| Net loans and leases to core deposits | 76.2599% | 3,745 |
| Total domestic deposits to total assets | 87.0071% | 1,952 |
| Equity capital to assets | 7.7052% | 5,615 |
| Core capital (leverage) ratio | 7.7489% | 5,599 |
| Tier 1 risk-based capital ratio | 11.0135% | 5,242 |
| Total risk-based capital ratio | 12.0322% | 5,276 |
| Memoranda: | ||
| Average total assets | $2,020,693,330 | 407 |
| Average earning assets | $1,920,045,000 | 391 |
| Average equity | $153,390,330 | 536 |
| Average total loans | $1,338,390,000 | 427 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2543% | 5,169 |
| Cost of funding earning assets | 0.1615% | 5,292 |
| Net interest margin | 3.0928% | 4,671 |
| Noninterest income to average assets | 0.7271% | 1,844 |
| Noninterest expense to average assets | 2.4451% | 3,981 |
| Loan and lease loss provision to assets | 0.1126% | 1,698 |
| Net operating income to assets | 0.7740% | 3,342 |
| Return on assets (ROA) | 0.7740% | 3,397 |
| Pretax return on assets | 1.1088% | 2,945 |
| Return on Equity (ROE) | 10.2742% | 1,837 |
| Retained earnings to average equity (ytd only) | 7.3451% | 1,721 |
| Net charge-offs to loans | 0.0253% | 2,253 |
| Credit loss provision to net charge-offs | 667.0588% | 474 |
| Earnings coverage of net charge-offs (x) | 72.3529% | 704 |
| Efficiency ratio | 66.6865% | 3,381 |
| Assets per employee ($millions) | 6.4703% | 1,202 |
| Cash dividends to net income (ytd only)* | 28.5091% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 3,918 |
| Loan loss allowance to noncurrent loans | 166.1710% | 2,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 3,401 |
| Noncurrent loans to loans | 0.6394% | 2,906 |
| Net loans and leases to total assets | 65.8707% | 2,991 |
| Net loans and leases to deposits | 76.1925% | 3,175 |
| Net loans and leases to core deposits | 79.5825% | 3,330 |
| Total domestic deposits to total assets | 85.5868% | 2,847 |
| Equity capital to assets | 7.5171% | 5,678 |
| Core capital (leverage) ratio | 7.5886% | 5,686 |
| Tier 1 risk-based capital ratio | 10.6576% | 5,481 |
| Total risk-based capital ratio | 11.6641% | 5,500 |
| Memoranda: | ||
| Average total assets | $2,013,994,500 | 412 |
| Average earning assets | $1,914,150,500 | 393 |
| Average equity | $151,720,000 | 538 |
| Average total loans | $1,345,332,500 | 425 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0824% | 5,425 |
| Cost of funding earning assets | 0.1590% | 5,360 |
| Net interest margin | 2.9234% | 5,088 |
| Noninterest income to average assets | 0.9145% | 1,363 |
| Noninterest expense to average assets | 2.5709% | 3,773 |
| Loan and lease loss provision to assets | 0.0845% | 2,665 |
| Net operating income to assets | 0.7237% | 3,676 |
| Return on assets (ROA) | 0.7237% | 3,790 |
| Pretax return on assets | 1.0310% | 3,360 |
| Return on Equity (ROE) | 9.6348% | 2,133 |
| Retained earnings to average equity (ytd only) | 6.4958% | 1,458 |
| Net charge-offs to loans | -0.0060% | 4,837 |
| Credit loss provision to net charge-offs | -2,176.0000% | 5,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7392% | 2,951 |
| Assets per employee ($millions) | 6.4605% | 1,172 |
| Cash dividends to net income (ytd only)* | 32.5794% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 4,043 |
| Loan loss allowance to noncurrent loans | 148.9259% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 3,270 |
| Noncurrent loans to loans | 0.7016% | 2,787 |
| Net loans and leases to total assets | 66.3255% | 3,022 |
| Net loans and leases to deposits | 77.9585% | 3,111 |
| Net loans and leases to core deposits | 81.8435% | 3,221 |
| Total domestic deposits to total assets | 83.9127% | 3,451 |
| Equity capital to assets | 7.5499% | 5,707 |
| Core capital (leverage) ratio | 7.6267% | 5,722 |
| Tier 1 risk-based capital ratio | 10.5522% | 5,552 |
| Total risk-based capital ratio | 11.5334% | 5,603 |
| Memoranda: | ||
| Average total assets | $1,930,519,000 | 404 |
| Average earning assets | $1,830,522,800 | 394 |
| Average equity | $145,016,400 | 546 |
| Average total loans | $1,259,504,000 | 424 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0504% | 5,528 |
| Cost of funding earning assets | 0.1570% | 5,434 |
| Net interest margin | 2.8933% | 5,197 |
| Noninterest income to average assets | 0.9499% | 1,255 |
| Noninterest expense to average assets | 2.5348% | 3,883 |
| Loan and lease loss provision to assets | 0.1034% | 2,199 |
| Net operating income to assets | 0.7341% | 3,676 |
| Return on assets (ROA) | 0.7341% | 3,811 |
| Pretax return on assets | 1.0547% | 3,411 |
| Return on Equity (ROE) | 9.7850% | 2,153 |
| Retained earnings to average equity (ytd only) | 6.6158% | 1,840 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6406% | 3,112 |
| Assets per employee ($millions) | 6.2008% | 1,294 |
| Cash dividends to net income (ytd only)* | 32.3883% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 4,150 |
| Loan loss allowance to noncurrent loans | 148.2647% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 3,129 |
| Noncurrent loans to loans | 0.7053% | 2,924 |
| Net loans and leases to total assets | 67.7243% | 2,833 |
| Net loans and leases to deposits | 78.7173% | 3,111 |
| Net loans and leases to core deposits | 82.4062% | 3,252 |
| Total domestic deposits to total assets | 85.1454% | 2,737 |
| Equity capital to assets | 7.8116% | 5,792 |
| Core capital (leverage) ratio | 7.6673% | 5,795 |
| Tier 1 risk-based capital ratio | 10.4901% | 5,624 |
| Total risk-based capital ratio | 11.4649% | 5,671 |
| Memoranda: | ||
| Average total assets | $1,915,689,750 | 405 |
| Average earning assets | $1,816,121,250 | 394 |
| Average equity | $143,713,000 | 555 |
| Average total loans | $1,240,954,250 | 428 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9962% | 5,656 |
| Cost of funding earning assets | 0.1538% | 5,522 |
| Net interest margin | 2.8425% | 5,357 |
| Noninterest income to average assets | 0.9222% | 1,310 |
| Noninterest expense to average assets | 2.4758% | 4,100 |
| Loan and lease loss provision to assets | 0.1098% | 2,036 |
| Net operating income to assets | 0.7232% | 3,683 |
| Return on assets (ROA) | 0.7232% | 3,838 |
| Pretax return on assets | 1.0370% | 3,452 |
| Return on Equity (ROE) | 9.7752% | 2,148 |
| Retained earnings to average equity (ytd only) | 6.5591% | 1,846 |
| Net charge-offs to loans | -0.0064% | 4,583 |
| Credit loss provision to net charge-offs | -2,697.4359% | 5,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3431% | 3,269 |
| Assets per employee ($millions) | 6.1753% | 1,281 |
| Cash dividends to net income (ytd only)* | 32.9002% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 4,230 |
| Loan loss allowance to noncurrent loans | 146.7012% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 3,173 |
| Noncurrent loans to loans | 0.7160% | 2,938 |
| Net loans and leases to total assets | 65.7556% | 3,112 |
| Net loans and leases to deposits | 76.0016% | 3,381 |
| Net loans and leases to core deposits | 79.7413% | 3,486 |
| Total domestic deposits to total assets | 85.3908% | 2,692 |
| Equity capital to assets | 7.5774% | 5,900 |
| Core capital (leverage) ratio | 7.4188% | 5,893 |
| Tier 1 risk-based capital ratio | 10.3702% | 5,735 |
| Total risk-based capital ratio | 11.3422% | 5,764 |
| Memoranda: | ||
| Average total assets | $1,915,573,000 | 407 |
| Average earning assets | $1,819,815,670 | 394 |
| Average equity | $141,726,330 | 560 |
| Average total loans | $1,217,493,330 | 437 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9421% | 5,743 |
| Cost of funding earning assets | 0.1512% | 5,599 |
| Net interest margin | 2.7909% | 5,480 |
| Noninterest income to average assets | 0.8359% | 1,491 |
| Noninterest expense to average assets | 2.4505% | 4,224 |
| Loan and lease loss provision to assets | 0.0892% | 2,194 |
| Net operating income to assets | 0.6719% | 3,870 |
| Return on assets (ROA) | 0.6719% | 3,987 |
| Pretax return on assets | 0.9541% | 3,649 |
| Return on Equity (ROE) | 9.1921% | 2,323 |
| Retained earnings to average equity (ytd only) | 5.9418% | 2,404 |
| Net charge-offs to loans | 0.0198% | 2,540 |
| Credit loss provision to net charge-offs | 725.4237% | 474 |
| Earnings coverage of net charge-offs (x) | 84.8475% | 603 |
| Efficiency ratio | 70.1384% | 3,095 |
| Assets per employee ($millions) | 6.6369% | 1,039 |
| Cash dividends to net income (ytd only)* | 35.3598% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 4,355 |
| Loan loss allowance to noncurrent loans | 154.6593% | 2,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5426% | 3,438 |
| Noncurrent loans to loans | 0.6765% | 3,146 |
| Net loans and leases to total assets | 60.2408% | 3,737 |
| Net loans and leases to deposits | 69.1449% | 3,944 |
| Net loans and leases to core deposits | 71.8134% | 4,077 |
| Total domestic deposits to total assets | 86.2588% | 2,565 |
| Equity capital to assets | 7.1586% | 5,993 |
| Core capital (leverage) ratio | 7.4231% | 5,939 |
| Tier 1 risk-based capital ratio | 10.5241% | 5,741 |
| Total risk-based capital ratio | 11.4742% | 5,788 |
| Memoranda: | ||
| Average total assets | $1,919,273,000 | 404 |
| Average earning assets | $1,827,791,500 | 393 |
| Average equity | $140,294,500 | 563 |
| Average total loans | $1,192,215,000 | 441 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 5,675 |
| Cost of funding earning assets | 0.1598% | 5,616 |
| Net interest margin | 2.9047% | 5,334 |
| Noninterest income to average assets | 1.0038% | 1,174 |
| Noninterest expense to average assets | 2.6431% | 3,777 |
| Loan and lease loss provision to assets | 0.0396% | 3,543 |
| Net operating income to assets | 0.7489% | 3,578 |
| Return on assets (ROA) | 0.7489% | 3,673 |
| Pretax return on assets | 1.0712% | 3,183 |
| Return on Equity (ROE) | 9.8600% | 2,062 |
| Retained earnings to average equity (ytd only) | 6.5480% | 1,512 |
| Net charge-offs to loans | 0.0595% | 3,028 |
| Credit loss provision to net charge-offs | 103.5503% | 2,424 |
| Earnings coverage of net charge-offs (x) | 29.0547% | 1,487 |
| Efficiency ratio | 70.4090% | 3,160 |
| Assets per employee ($millions) | 6.2232% | 1,243 |
| Cash dividends to net income (ytd only)* | 33.5901% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 4,408 |
| Loan loss allowance to noncurrent loans | 142.0374% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 3,292 |
| Noncurrent loans to loans | 0.7293% | 2,997 |
| Net loans and leases to total assets | 62.7792% | 3,450 |
| Net loans and leases to deposits | 71.6113% | 3,758 |
| Net loans and leases to core deposits | 74.5559% | 3,885 |
| Total domestic deposits to total assets | 86.7037% | 2,273 |
| Equity capital to assets | 7.4705% | 5,990 |
| Core capital (leverage) ratio | 7.4269% | 5,990 |
| Tier 1 risk-based capital ratio | 10.7121% | 5,669 |
| Total risk-based capital ratio | 11.6651% | 5,737 |
| Memoranda: | ||
| Average total assets | $1,768,175,000 | 412 |
| Average earning assets | $1,674,033,400 | 401 |
| Average equity | $134,300,600 | 567 |
| Average total loans | $1,136,071,200 | 438 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0575% | 5,759 |
| Cost of funding earning assets | 0.1605% | 5,701 |
| Net interest margin | 2.8971% | 5,421 |
| Noninterest income to average assets | 1.0143% | 1,156 |
| Noninterest expense to average assets | 2.6751% | 3,655 |
| Loan and lease loss provision to assets | 0.0399% | 3,414 |
| Net operating income to assets | 0.7166% | 3,837 |
| Return on assets (ROA) | 0.7166% | 3,937 |
| Pretax return on assets | 1.0387% | 3,469 |
| Return on Equity (ROE) | 9.3935% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.0453% | 2,216 |
| Net charge-offs to loans | 0.0457% | 2,989 |
| Credit loss provision to net charge-offs | 135.2332% | 1,823 |
| Earnings coverage of net charge-offs (x) | 36.5728% | 1,323 |
| Efficiency ratio | 71.2654% | 3,001 |
| Assets per employee ($millions) | 6.0103% | 1,364 |
| Cash dividends to net income (ytd only)* | 35.6434% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 4,330 |
| Loan loss allowance to noncurrent loans | 96.3160% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.8856% | 2,656 |
| Noncurrent loans to loans | 1.1231% | 2,258 |
| Net loans and leases to total assets | 64.5180% | 3,226 |
| Net loans and leases to deposits | 73.5672% | 3,592 |
| Net loans and leases to core deposits | 76.7109% | 3,721 |
| Total domestic deposits to total assets | 86.7269% | 2,170 |
| Equity capital to assets | 7.7898% | 6,023 |
| Core capital (leverage) ratio | 7.6131% | 6,030 |
| Tier 1 risk-based capital ratio | 10.9424% | 5,684 |
| Total risk-based capital ratio | 11.9449% | 5,733 |
| Memoranda: | ||
| Average total assets | $1,745,032,500 | 419 |
| Average earning assets | $1,650,089,000 | 407 |
| Average equity | $133,124,000 | 575 |
| Average total loans | $1,124,991,750 | 442 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0764% | 5,766 |
| Cost of funding earning assets | 0.1594% | 5,780 |
| Net interest margin | 2.9170% | 5,410 |
| Noninterest income to average assets | 1.0454% | 1,083 |
| Noninterest expense to average assets | 2.6688% | 3,695 |
| Loan and lease loss provision to assets | 0.0564% | 2,972 |
| Net operating income to assets | 0.7383% | 3,698 |
| Return on assets (ROA) | 0.7383% | 3,806 |
| Pretax return on assets | 1.0743% | 3,280 |
| Return on Equity (ROE) | 9.7468% | 2,185 |
| Retained earnings to average equity (ytd only) | 6.3672% | 2,026 |
| Net charge-offs to loans | 0.0348% | 2,974 |
| Credit loss provision to net charge-offs | 252.3077% | 1,044 |
| Earnings coverage of net charge-offs (x) | 50.5538% | 949 |
| Efficiency ratio | 70.2409% | 3,294 |
| Assets per employee ($millions) | 5.8298% | 1,475 |
| Cash dividends to net income (ytd only)* | 34.6745% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 4,278 |
| Loan loss allowance to noncurrent loans | 100.7658% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8787% | 2,789 |
| Noncurrent loans to loans | 1.1002% | 2,455 |
| Net loans and leases to total assets | 64.8422% | 3,145 |
| Net loans and leases to deposits | 73.8017% | 3,516 |
| Net loans and leases to core deposits | 76.5706% | 3,711 |
| Total domestic deposits to total assets | 86.8783% | 2,232 |
| Equity capital to assets | 7.7942% | 6,047 |
| Core capital (leverage) ratio | 7.6369% | 6,055 |
| Tier 1 risk-based capital ratio | 10.8682% | 5,774 |
| Total risk-based capital ratio | 11.8908% | 5,808 |
| Memoranda: | ||
| Average total assets | $1,743,706,670 | 421 |
| Average earning assets | $1,646,353,000 | 410 |
| Average equity | $132,084,000 | 575 |
| Average total loans | $1,119,733,330 | 443 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1143% | 5,763 |
| Cost of funding earning assets | 0.1572% | 5,866 |
| Net interest margin | 2.9571% | 5,327 |
| Noninterest income to average assets | 0.9783% | 1,167 |
| Noninterest expense to average assets | 2.6463% | 3,757 |
| Loan and lease loss provision to assets | 0.0039% | 3,658 |
| Net operating income to assets | 0.7687% | 3,435 |
| Return on assets (ROA) | 0.7687% | 3,572 |
| Pretax return on assets | 1.1228% | 2,985 |
| Return on Equity (ROE) | 10.2941% | 1,876 |
| Retained earnings to average equity (ytd only) | 6.8739% | 2,065 |
| Net charge-offs to loans | 0.0728% | 1,987 |
| Credit loss provision to net charge-offs | 8.3744% | 2,439 |
| Earnings coverage of net charge-offs (x) | 24.3596% | 1,298 |
| Efficiency ratio | 70.1389% | 3,466 |
| Assets per employee ($millions) | 6.1515% | 1,292 |
| Cash dividends to net income (ytd only)* | 33.2247% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 4,663 |
| Loan loss allowance to noncurrent loans | 129.2675% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 3,116 |
| Noncurrent loans to loans | 0.8269% | 3,176 |
| Net loans and leases to total assets | 62.7863% | 3,262 |
| Net loans and leases to deposits | 71.6553% | 3,566 |
| Net loans and leases to core deposits | 74.6428% | 3,722 |
| Total domestic deposits to total assets | 86.1625% | 2,855 |
| Equity capital to assets | 7.4943% | 6,180 |
| Core capital (leverage) ratio | 7.4695% | 6,150 |
| Tier 1 risk-based capital ratio | 10.7228% | 5,929 |
| Total risk-based capital ratio | 11.7072% | 5,978 |
| Memoranda: | ||
| Average total assets | $1,755,668,500 | 418 |
| Average earning assets | $1,659,204,500 | 409 |
| Average equity | $131,104,000 | 580 |
| Average total loans | $1,115,777,000 | 443 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1196% | 5,927 |
| Cost of funding earning assets | 0.1655% | 6,007 |
| Net interest margin | 2.9541% | 5,543 |
| Noninterest income to average assets | 1.0270% | 1,161 |
| Noninterest expense to average assets | 2.7293% | 3,756 |
| Loan and lease loss provision to assets | -0.0428% | 6,008 |
| Net operating income to assets | 0.7621% | 3,556 |
| Return on assets (ROA) | 0.7629% | 3,656 |
| Pretax return on assets | 1.1072% | 3,052 |
| Return on Equity (ROE) | 10.7021% | 1,815 |
| Retained earnings to average equity (ytd only) | 7.8226% | 1,086 |
| Net charge-offs to loans | 0.0128% | 4,640 |
| Credit loss provision to net charge-offs | -521.8978% | 5,797 |
| Earnings coverage of net charge-offs (x) | 129.6934% | 413 |
| Efficiency ratio | 71.9650% | 3,219 |
| Assets per employee ($millions) | 6.1691% | 1,265 |
| Cash dividends to net income (ytd only)* | 26.9062% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 4,529 |
| Loan loss allowance to noncurrent loans | 120.0827% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 0.8788% | 3,008 |
| Noncurrent loans to loans | 0.9179% | 3,018 |
| Net loans and leases to total assets | 62.9411% | 3,369 |
| Net loans and leases to deposits | 71.8943% | 3,691 |
| Net loans and leases to core deposits | 74.6484% | 3,855 |
| Total domestic deposits to total assets | 85.9713% | 2,857 |
| Equity capital to assets | 7.4401% | 6,248 |
| Core capital (leverage) ratio | 7.5047% | 6,200 |
| Tier 1 risk-based capital ratio | 10.9770% | 5,914 |
| Total risk-based capital ratio | 12.0285% | 5,937 |
| Memoranda: | ||
| Average total assets | $1,671,100,400 | 426 |
| Average earning assets | $1,564,419,000 | 415 |
| Average equity | $119,116,600 | 607 |
| Average total loans | $1,070,240,000 | 433 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1302% | 5,985 |
| Cost of funding earning assets | 0.1674% | 6,078 |
| Net interest margin | 2.9627% | 5,580 |
| Noninterest income to average assets | 1.0348% | 1,143 |
| Noninterest expense to average assets | 2.7059% | 3,803 |
| Loan and lease loss provision to assets | -0.0293% | 6,125 |
| Net operating income to assets | 0.7674% | 3,582 |
| Return on assets (ROA) | 0.7684% | 3,679 |
| Pretax return on assets | 1.1284% | 3,076 |
| Return on Equity (ROE) | 10.9056% | 1,824 |
| Retained earnings to average equity (ytd only) | 7.9618% | 1,380 |
| Net charge-offs to loans | 0.0303% | 3,883 |
| Credit loss provision to net charge-offs | -150.6224% | 5,509 |
| Earnings coverage of net charge-offs (x) | 56.4971% | 900 |
| Efficiency ratio | 71.1421% | 3,318 |
| Assets per employee ($millions) | 5.8268% | 1,467 |
| Cash dividends to net income (ytd only)* | 26.9933% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1469% | 4,516 |
| Loan loss allowance to noncurrent loans | 112.4233% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0103% | 2,936 |
| Noncurrent loans to loans | 1.0202% | 3,034 |
| Net loans and leases to total assets | 65.0855% | 3,010 |
| Net loans and leases to deposits | 74.3659% | 3,391 |
| Net loans and leases to core deposits | 77.4117% | 3,591 |
| Total domestic deposits to total assets | 85.9714% | 2,856 |
| Equity capital to assets | 7.2933% | 6,342 |
| Core capital (leverage) ratio | 7.0276% | 6,377 |
| Tier 1 risk-based capital ratio | 10.3930% | 6,239 |
| Total risk-based capital ratio | 11.6653% | 6,188 |
| Memoranda: | ||
| Average total assets | $1,653,952,500 | 427 |
| Average earning assets | $1,545,650,250 | 416 |
| Average equity | $116,537,000 | 616 |
| Average total loans | $1,061,003,750 | 434 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 6,085 |
| Cost of funding earning assets | 0.1653% | 6,156 |
| Net interest margin | 2.9167% | 5,709 |
| Noninterest income to average assets | 1.0367% | 1,106 |
| Noninterest expense to average assets | 2.6720% | 3,970 |
| Loan and lease loss provision to assets | 0.0163% | 3,933 |
| Net operating income to assets | 0.7252% | 3,699 |
| Return on assets (ROA) | 0.7267% | 3,789 |
| Pretax return on assets | 1.0690% | 3,213 |
| Return on Equity (ROE) | 10.4359% | 1,962 |
| Retained earnings to average equity (ytd only) | 7.4592% | 1,536 |
| Net charge-offs to loans | 0.0313% | 3,569 |
| Credit loss provision to net charge-offs | 81.8182% | 2,306 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 868 |
| Efficiency ratio | 71.1588% | 3,477 |
| Assets per employee ($millions) | 5.8631% | 1,376 |
| Cash dividends to net income (ytd only)* | 28.5239% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 4,449 |
| Loan loss allowance to noncurrent loans | 88.2221% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 2,687 |
| Noncurrent loans to loans | 1.3538% | 2,546 |
| Net loans and leases to total assets | 64.9463% | 2,916 |
| Net loans and leases to deposits | 73.6416% | 3,367 |
| Net loans and leases to core deposits | 76.4886% | 3,576 |
| Total domestic deposits to total assets | 86.7014% | 2,632 |
| Equity capital to assets | 7.0946% | 6,430 |
| Core capital (leverage) ratio | 7.0132% | 6,429 |
| Tier 1 risk-based capital ratio | 10.0830% | 6,373 |
| Total risk-based capital ratio | 11.3959% | 6,311 |
| Memoranda: | ||
| Average total assets | $1,655,611,000 | 426 |
| Average earning assets | $1,542,956,000 | 412 |
| Average equity | $115,294,330 | 616 |
| Average total loans | $1,052,772,670 | 435 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 6,178 |
| Cost of funding earning assets | 0.1783% | 6,182 |
| Net interest margin | 2.8759% | 5,800 |
| Noninterest income to average assets | 0.9399% | 1,280 |
| Noninterest expense to average assets | 2.6792% | 4,002 |
| Loan and lease loss provision to assets | 0.0208% | 3,555 |
| Net operating income to assets | 0.6486% | 3,956 |
| Return on assets (ROA) | 0.6518% | 4,040 |
| Pretax return on assets | 0.9329% | 3,584 |
| Return on Equity (ROE) | 9.4493% | 2,272 |
| Retained earnings to average equity (ytd only) | 6.4409% | 2,320 |
| Net charge-offs to loans | 0.0542% | 2,622 |
| Credit loss provision to net charge-offs | 61.4286% | 2,087 |
| Earnings coverage of net charge-offs (x) | 28.0286% | 1,092 |
| Efficiency ratio | 73.8417% | 3,174 |
| Assets per employee ($millions) | 6.0179% | 1,290 |
| Cash dividends to net income (ytd only)* | 31.8367% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 4,428 |
| Loan loss allowance to noncurrent loans | 134.9035% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9084% | 3,461 |
| Noncurrent loans to loans | 0.9209% | 3,576 |
| Net loans and leases to total assets | 62.4534% | 3,159 |
| Net loans and leases to deposits | 70.7537% | 3,503 |
| Net loans and leases to core deposits | 73.7112% | 3,678 |
| Total domestic deposits to total assets | 86.6450% | 3,017 |
| Equity capital to assets | 6.9515% | 6,462 |
| Core capital (leverage) ratio | 6.8590% | 6,499 |
| Tier 1 risk-based capital ratio | 10.2242% | 6,419 |
| Total risk-based capital ratio | 11.6890% | 6,310 |
| Memoranda: | ||
| Average total assets | $1,653,792,500 | 429 |
| Average earning assets | $1,545,930,500 | 413 |
| Average equity | $114,083,000 | 625 |
| Average total loans | $1,033,835,500 | 442 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0907% | 6,253 |
| Cost of funding earning assets | 0.2113% | 6,223 |
| Net interest margin | 2.8795% | 5,823 |
| Noninterest income to average assets | 1.1112% | 1,135 |
| Noninterest expense to average assets | 2.7661% | 3,849 |
| Loan and lease loss provision to assets | 0.0904% | 3,299 |
| Net operating income to assets | 0.6532% | 4,014 |
| Return on assets (ROA) | 0.6532% | 4,117 |
| Pretax return on assets | 0.9402% | 3,593 |
| Return on Equity (ROE) | 9.5661% | 2,299 |
| Retained earnings to average equity (ytd only) | 6.6207% | 1,611 |
| Net charge-offs to loans | 0.1325% | 3,480 |
| Credit loss provision to net charge-offs | 109.0569% | 2,207 |
| Earnings coverage of net charge-offs (x) | 12.4319% | 2,123 |
| Efficiency ratio | 72.8545% | 3,322 |
| Assets per employee ($millions) | 5.9879% | 1,280 |
| Cash dividends to net income (ytd only)* | 30.7904% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2786% | 4,253 |
| Loan loss allowance to noncurrent loans | 106.1377% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0787% | 3,254 |
| Noncurrent loans to loans | 1.2047% | 3,136 |
| Net loans and leases to total assets | 60.9959% | 3,540 |
| Net loans and leases to deposits | 70.0323% | 3,778 |
| Net loans and leases to core deposits | 73.3788% | 3,913 |
| Total domestic deposits to total assets | 85.0080% | 3,748 |
| Equity capital to assets | 6.8449% | 6,499 |
| Core capital (leverage) ratio | 6.8498% | 6,549 |
| Tier 1 risk-based capital ratio | 10.2845% | 6,440 |
| Total risk-based capital ratio | 11.8017% | 6,308 |
| Memoranda: | ||
| Average total assets | $1,611,527,200 | 430 |
| Average earning assets | $1,502,957,400 | 413 |
| Average equity | $110,034,000 | 640 |
| Average total loans | $1,008,542,600 | 426 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0998% | 6,320 |
| Cost of funding earning assets | 0.2178% | 6,305 |
| Net interest margin | 2.8819% | 5,856 |
| Noninterest income to average assets | 1.0930% | 1,223 |
| Noninterest expense to average assets | 2.7771% | 3,740 |
| Loan and lease loss provision to assets | 0.0662% | 3,732 |
| Net operating income to assets | 0.6454% | 4,148 |
| Return on assets (ROA) | 0.6454% | 4,269 |
| Pretax return on assets | 0.9354% | 3,738 |
| Return on Equity (ROE) | 9.4584% | 2,418 |
| Retained earnings to average equity (ytd only) | 6.4919% | 2,136 |
| Net charge-offs to loans | 0.1646% | 2,912 |
| Credit loss provision to net charge-offs | 64.0612% | 3,202 |
| Earnings coverage of net charge-offs (x) | 9.6930% | 2,447 |
| Efficiency ratio | 73.4933% | 3,143 |
| Assets per employee ($millions) | 5.8370% | 1,350 |
| Cash dividends to net income (ytd only)* | 31.3637% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 4,695 |
| Loan loss allowance to noncurrent loans | 102.4781% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.3848% | 2,885 |
| Noncurrent loans to loans | 1.2090% | 3,399 |
| Net loans and leases to total assets | 62.0179% | 3,357 |
| Net loans and leases to deposits | 71.0086% | 3,643 |
| Net loans and leases to core deposits | 74.2187% | 3,814 |
| Total domestic deposits to total assets | 85.5305% | 3,478 |
| Equity capital to assets | 6.9388% | 6,569 |
| Core capital (leverage) ratio | 6.8334% | 6,624 |
| Tier 1 risk-based capital ratio | 10.2953% | 6,510 |
| Total risk-based capital ratio | 11.7877% | 6,414 |
| Memoranda: | ||
| Average total assets | $1,601,242,500 | 436 |
| Average earning assets | $1,492,196,750 | 417 |
| Average equity | $109,261,500 | 652 |
| Average total loans | $1,005,399,500 | 429 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0382% | 6,410 |
| Cost of funding earning assets | 0.2322% | 6,289 |
| Net interest margin | 2.8059% | 5,991 |
| Noninterest income to average assets | 1.0995% | 1,255 |
| Noninterest expense to average assets | 2.7391% | 3,893 |
| Loan and lease loss provision to assets | 0.0253% | 4,413 |
| Net operating income to assets | 0.6479% | 4,070 |
| Return on assets (ROA) | 0.6479% | 4,227 |
| Pretax return on assets | 0.9498% | 3,718 |
| Return on Equity (ROE) | 9.5490% | 2,398 |
| Retained earnings to average equity (ytd only) | 6.5626% | 2,113 |
| Net charge-offs to loans | 0.2791% | 2,089 |
| Credit loss provision to net charge-offs | 14.4080% | 3,836 |
| Earnings coverage of net charge-offs (x) | 5.5635% | 2,867 |
| Efficiency ratio | 73.7480% | 3,177 |
| Assets per employee ($millions) | 5.6408% | 1,466 |
| Cash dividends to net income (ytd only)* | 31.2753% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1253% | 5,349 |
| Loan loss allowance to noncurrent loans | 79.2424% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6199% | 2,684 |
| Noncurrent loans to loans | 1.4200% | 3,169 |
| Net loans and leases to total assets | 65.9909% | 2,598 |
| Net loans and leases to deposits | 75.9307% | 2,884 |
| Net loans and leases to core deposits | 80.1050% | 3,010 |
| Total domestic deposits to total assets | 85.0605% | 3,864 |
| Equity capital to assets | 7.0163% | 6,600 |
| Core capital (leverage) ratio | 6.6737% | 6,678 |
| Tier 1 risk-based capital ratio | 9.7382% | 6,685 |
| Total risk-based capital ratio | 11.1135% | 6,643 |
| Memoranda: | ||
| Average total assets | $1,599,927,330 | 434 |
| Average earning assets | $1,490,836,000 | 416 |
| Average equity | $108,555,330 | 663 |
| Average total loans | $1,004,535,000 | 425 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0232% | 6,487 |
| Cost of funding earning assets | 0.2383% | 6,359 |
| Net interest margin | 2.7850% | 6,057 |
| Noninterest income to average assets | 1.0159% | 1,434 |
| Noninterest expense to average assets | 2.6810% | 4,148 |
| Loan and lease loss provision to assets | 0.1606% | 2,266 |
| Net operating income to assets | 0.5560% | 4,426 |
| Return on assets (ROA) | 0.5560% | 4,584 |
| Pretax return on assets | 0.7681% | 4,304 |
| Return on Equity (ROE) | 8.3319% | 2,800 |
| Retained earnings to average equity (ytd only) | 5.3287% | 3,042 |
| Net charge-offs to loans | 0.5054% | 1,190 |
| Credit loss provision to net charge-offs | 52.2088% | 2,572 |
| Earnings coverage of net charge-offs (x) | 3.0185% | 2,867 |
| Efficiency ratio | 74.2726% | 3,221 |
| Assets per employee ($millions) | 5.9535% | 1,285 |
| Cash dividends to net income (ytd only)* | 36.0444% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 5,000 |
| Loan loss allowance to noncurrent loans | 78.9861% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 2,851 |
| Noncurrent loans to loans | 1.5685% | 3,186 |
| Net loans and leases to total assets | 60.7453% | 3,299 |
| Net loans and leases to deposits | 68.3834% | 3,728 |
| Net loans and leases to core deposits | 71.9476% | 3,819 |
| Total domestic deposits to total assets | 87.1956% | 2,836 |
| Equity capital to assets | 6.7067% | 6,758 |
| Core capital (leverage) ratio | 6.5137% | 6,745 |
| Tier 1 risk-based capital ratio | 9.3856% | 6,776 |
| Total risk-based capital ratio | 10.8804% | 6,728 |
| Memoranda: | ||
| Average total assets | $1,618,634,500 | 433 |
| Average earning assets | $1,507,523,500 | 417 |
| Average equity | $108,018,000 | 673 |
| Average total loans | $985,377,000 | 431 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3079% | 6,574 |
| Cost of funding earning assets | 0.2783% | 6,556 |
| Net interest margin | 3.0296% | 5,980 |
| Noninterest income to average assets | 1.2843% | 940 |
| Noninterest expense to average assets | 3.0166% | 3,209 |
| Loan and lease loss provision to assets | 0.1689% | 3,512 |
| Net operating income to assets | 0.6616% | 3,920 |
| Return on assets (ROA) | 0.6610% | 4,192 |
| Pretax return on assets | 0.9296% | 3,812 |
| Return on Equity (ROE) | 9.8082% | 2,252 |
| Retained earnings to average equity (ytd only) | 7.5767% | 1,291 |
| Net charge-offs to loans | 0.4011% | 2,653 |
| Credit loss provision to net charge-offs | 66.4958% | 4,273 |
| Earnings coverage of net charge-offs (x) | 4.3284% | 3,409 |
| Efficiency ratio | 73.2913% | 3,192 |
| Assets per employee ($millions) | 5.7782% | 1,441 |
| Cash dividends to net income (ytd only)* | 22.7519% | 3,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 4,507 |
| Loan loss allowance to noncurrent loans | 61.5279% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 1.5659% | 3,037 |
| Noncurrent loans to loans | 2.1568% | 2,517 |
| Net loans and leases to total assets | 59.4467% | 3,693 |
| Net loans and leases to deposits | 67.7314% | 4,021 |
| Net loans and leases to core deposits | 71.6749% | 4,084 |
| Total domestic deposits to total assets | 85.9499% | 3,379 |
| Equity capital to assets | 6.6401% | 6,827 |
| Core capital (leverage) ratio | 6.5702% | 6,782 |
| Tier 1 risk-based capital ratio | 9.5403% | 6,796 |
| Total risk-based capital ratio | 11.0955% | 6,707 |
| Memoranda: | ||
| Average total assets | $1,535,955,400 | 440 |
| Average earning assets | $1,435,573,600 | 424 |
| Average equity | $103,515,400 | 685 |
| Average total loans | $972,602,400 | 428 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 6,658 |
| Cost of funding earning assets | 0.2906% | 6,654 |
| Net interest margin | 3.0785% | 5,984 |
| Noninterest income to average assets | 1.1597% | 1,135 |
| Noninterest expense to average assets | 2.9807% | 3,302 |
| Loan and lease loss provision to assets | 0.1379% | 3,824 |
| Net operating income to assets | 0.6564% | 4,106 |
| Return on assets (ROA) | 0.6556% | 4,381 |
| Pretax return on assets | 0.9220% | 4,020 |
| Return on Equity (ROE) | 9.6899% | 2,503 |
| Retained earnings to average equity (ytd only) | 7.5327% | 1,839 |
| Net charge-offs to loans | 0.4178% | 2,421 |
| Credit loss provision to net charge-offs | 51.4445% | 4,368 |
| Earnings coverage of net charge-offs (x) | 3.9593% | 3,442 |
| Efficiency ratio | 73.7484% | 3,030 |
| Assets per employee ($millions) | 5.6750% | 1,478 |
| Cash dividends to net income (ytd only)* | 22.2624% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 4,908 |
| Loan loss allowance to noncurrent loans | 69.4661% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.4761% | 3,389 |
| Noncurrent loans to loans | 1.8403% | 3,024 |
| Net loans and leases to total assets | 64.0866% | 3,011 |
| Net loans and leases to deposits | 73.0506% | 3,441 |
| Net loans and leases to core deposits | 77.3694% | 3,556 |
| Total domestic deposits to total assets | 85.5130% | 3,503 |
| Equity capital to assets | 6.8679% | 6,901 |
| Core capital (leverage) ratio | 6.5080% | 6,882 |
| Tier 1 risk-based capital ratio | 9.5705% | 6,887 |
| Total risk-based capital ratio | 11.1456% | 6,806 |
| Memoranda: | ||
| Average total assets | $1,515,467,250 | 445 |
| Average earning assets | $1,418,780,250 | 426 |
| Average equity | $102,536,750 | 696 |
| Average total loans | $972,071,000 | 429 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 6,749 |
| Cost of funding earning assets | 0.2999% | 6,740 |
| Net interest margin | 3.0736% | 6,068 |
| Noninterest income to average assets | 1.1459% | 1,085 |
| Noninterest expense to average assets | 2.9740% | 3,355 |
| Loan and lease loss provision to assets | 0.1597% | 3,522 |
| Net operating income to assets | 0.6385% | 4,179 |
| Return on assets (ROA) | 0.6373% | 4,433 |
| Pretax return on assets | 0.8840% | 4,141 |
| Return on Equity (ROE) | 9.4672% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.4851% | 1,881 |
| Net charge-offs to loans | 0.5880% | 1,846 |
| Credit loss provision to net charge-offs | 42.5141% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.7832% | 3,632 |
| Efficiency ratio | 73.9919% | 3,074 |
| Assets per employee ($millions) | 5.5217% | 1,599 |
| Cash dividends to net income (ytd only)* | 20.9365% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,825 |
| Loan loss allowance to noncurrent loans | 68.5394% | 4,265 |
| Noncurrent assets plus other real estate owned to assets | 1.5294% | 3,410 |
| Noncurrent loans to loans | 1.9194% | 3,043 |
| Net loans and leases to total assets | 61.4225% | 3,546 |
| Net loans and leases to deposits | 70.4787% | 3,825 |
| Net loans and leases to core deposits | 75.0371% | 3,879 |
| Total domestic deposits to total assets | 84.8801% | 3,909 |
| Equity capital to assets | 6.7126% | 6,952 |
| Core capital (leverage) ratio | 6.4976% | 6,932 |
| Tier 1 risk-based capital ratio | 9.7481% | 6,880 |
| Total risk-based capital ratio | 11.3701% | 6,777 |
| Memoranda: | ||
| Average total assets | $1,507,980,330 | 448 |
| Average earning assets | $1,409,800,330 | 434 |
| Average equity | $101,508,000 | 702 |
| Average total loans | $963,305,000 | 435 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 6,805 |
| Cost of funding earning assets | 0.3142% | 6,802 |
| Net interest margin | 3.0906% | 6,079 |
| Noninterest income to average assets | 1.0900% | 1,210 |
| Noninterest expense to average assets | 2.8738% | 3,729 |
| Loan and lease loss provision to assets | 0.2435% | 2,519 |
| Net operating income to assets | 0.6195% | 4,260 |
| Return on assets (ROA) | 0.6170% | 4,484 |
| Pretax return on assets | 0.8551% | 4,210 |
| Return on Equity (ROE) | 9.1531% | 2,761 |
| Retained earnings to average equity (ytd only) | 7.7489% | 2,072 |
| Net charge-offs to loans | 0.7084% | 1,411 |
| Credit loss provision to net charge-offs | 53.0994% | 3,232 |
| Earnings coverage of net charge-offs (x) | 2.4035% | 3,215 |
| Efficiency ratio | 72.2803% | 3,381 |
| Assets per employee ($millions) | 5.6829% | 1,534 |
| Cash dividends to net income (ytd only)* | 15.3412% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 4,709 |
| Loan loss allowance to noncurrent loans | 58.7747% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 2.0091% | 2,884 |
| Noncurrent loans to loans | 2.3394% | 2,761 |
| Net loans and leases to total assets | 63.0620% | 3,028 |
| Net loans and leases to deposits | 71.8918% | 3,446 |
| Net loans and leases to core deposits | 76.2314% | 3,590 |
| Total domestic deposits to total assets | 85.8001% | 3,639 |
| Equity capital to assets | 6.6291% | 6,991 |
| Core capital (leverage) ratio | 6.5017% | 6,969 |
| Tier 1 risk-based capital ratio | 9.3598% | 6,984 |
| Total risk-based capital ratio | 11.0878% | 6,910 |
| Memoranda: | ||
| Average total assets | $1,491,689,500 | 449 |
| Average earning assets | $1,392,865,000 | 439 |
| Average equity | $100,556,000 | 710 |
| Average total loans | $965,525,000 | 431 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5317% | 6,978 |
| Cost of funding earning assets | 0.4191% | 6,836 |
| Net interest margin | 3.1126% | 6,316 |
| Noninterest income to average assets | 0.9816% | 1,416 |
| Noninterest expense to average assets | 2.9017% | 3,953 |
| Loan and lease loss provision to assets | 0.2627% | 3,592 |
| Net operating income to assets | 0.5318% | 4,303 |
| Return on assets (ROA) | 0.5341% | 4,487 |
| Pretax return on assets | 0.7208% | 4,250 |
| Return on Equity (ROE) | 8.1823% | 2,816 |
| Retained earnings to average equity (ytd only) | 6.6847% | 1,650 |
| Net charge-offs to loans | 0.5060% | 2,969 |
| Credit loss provision to net charge-offs | 81.0857% | 4,401 |
| Earnings coverage of net charge-offs (x) | 3.0263% | 3,697 |
| Efficiency ratio | 74.7456% | 3,098 |
| Assets per employee ($millions) | 5.3091% | 1,824 |
| Cash dividends to net income (ytd only)* | 18.3023% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 4,055 |
| Loan loss allowance to noncurrent loans | 60.0093% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 2.1522% | 2,783 |
| Noncurrent loans to loans | 2.4888% | 2,638 |
| Net loans and leases to total assets | 64.5736% | 3,063 |
| Net loans and leases to deposits | 75.3747% | 3,280 |
| Net loans and leases to core deposits | 80.1749% | 3,433 |
| Total domestic deposits to total assets | 83.6981% | 4,450 |
| Equity capital to assets | 6.8587% | 6,995 |
| Core capital (leverage) ratio | 6.4617% | 6,985 |
| Tier 1 risk-based capital ratio | 9.4159% | 6,975 |
| Total risk-based capital ratio | 11.1578% | 6,866 |
| Memoranda: | ||
| Average total assets | $1,455,741,400 | 460 |
| Average earning assets | $1,356,551,600 | 437 |
| Average equity | $95,022,400 | 723 |
| Average total loans | $932,087,400 | 452 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 7,067 |
| Cost of funding earning assets | 0.4393% | 6,913 |
| Net interest margin | 3.0951% | 6,392 |
| Noninterest income to average assets | 0.9373% | 1,525 |
| Noninterest expense to average assets | 2.8623% | 4,094 |
| Loan and lease loss provision to assets | 0.2113% | 3,914 |
| Net operating income to assets | 0.5444% | 4,344 |
| Return on assets (ROA) | 0.5485% | 4,513 |
| Pretax return on assets | 0.7529% | 4,303 |
| Return on Equity (ROE) | 8.5112% | 2,813 |
| Retained earnings to average equity (ytd only) | 6.9937% | 1,973 |
| Net charge-offs to loans | 0.3875% | 3,181 |
| Credit loss provision to net charge-offs | 85.6665% | 3,935 |
| Earnings coverage of net charge-offs (x) | 3.8871% | 3,257 |
| Efficiency ratio | 74.9119% | 3,019 |
| Assets per employee ($millions) | 5.5513% | 1,544 |
| Cash dividends to net income (ytd only)* | 17.8297% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 3,848 |
| Loan loss allowance to noncurrent loans | 58.7406% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 2.2952% | 2,790 |
| Noncurrent loans to loans | 2.6545% | 2,622 |
| Net loans and leases to total assets | 62.8177% | 3,543 |
| Net loans and leases to deposits | 72.6643% | 3,858 |
| Net loans and leases to core deposits | 77.6740% | 3,956 |
| Total domestic deposits to total assets | 84.1240% | 4,173 |
| Equity capital to assets | 6.6039% | 7,122 |
| Core capital (leverage) ratio | 6.4077% | 7,085 |
| Tier 1 risk-based capital ratio | 9.3680% | 7,071 |
| Total risk-based capital ratio | 11.1156% | 6,977 |
| Memoranda: | ||
| Average total assets | $1,456,005,250 | 460 |
| Average earning assets | $1,356,482,750 | 444 |
| Average equity | $93,834,750 | 736 |
| Average total loans | $926,713,000 | 454 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5600% | 7,128 |
| Cost of funding earning assets | 0.4619% | 6,975 |
| Net interest margin | 3.0981% | 6,415 |
| Noninterest income to average assets | 0.9177% | 1,592 |
| Noninterest expense to average assets | 2.7004% | 4,823 |
| Loan and lease loss provision to assets | 0.3701% | 2,572 |
| Net operating income to assets | 0.5396% | 4,339 |
| Return on assets (ROA) | 0.5396% | 4,475 |
| Pretax return on assets | 0.7348% | 4,264 |
| Return on Equity (ROE) | 8.4446% | 2,744 |
| Retained earnings to average equity (ytd only) | 6.9049% | 1,921 |
| Net charge-offs to loans | 0.3575% | 3,127 |
| Credit loss provision to net charge-offs | 162.7964% | 1,861 |
| Earnings coverage of net charge-offs (x) | 4.8602% | 2,752 |
| Efficiency ratio | 70.9653% | 3,937 |
| Assets per employee ($millions) | 5.3027% | 1,757 |
| Cash dividends to net income (ytd only)* | 18.2330% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 3,234 |
| Loan loss allowance to noncurrent loans | 94.4776% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.8338% | 3,462 |
| Noncurrent loans to loans | 1.8295% | 3,713 |
| Net loans and leases to total assets | 63.9622% | 3,469 |
| Net loans and leases to deposits | 74.1739% | 3,781 |
| Net loans and leases to core deposits | 79.2426% | 3,892 |
| Total domestic deposits to total assets | 84.2700% | 4,230 |
| Equity capital to assets | 6.6283% | 7,164 |
| Core capital (leverage) ratio | 6.3536% | 7,149 |
| Tier 1 risk-based capital ratio | 9.2980% | 7,141 |
| Total risk-based capital ratio | 11.0523% | 7,033 |
| Memoranda: | ||
| Average total assets | $1,447,278,670 | 472 |
| Average earning assets | $1,348,884,330 | 454 |
| Average equity | $92,485,670 | 739 |
| Average total loans | $920,343,330 | 466 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5194% | 7,201 |
| Cost of funding earning assets | 0.4741% | 7,054 |
| Net interest margin | 3.0453% | 6,470 |
| Noninterest income to average assets | 0.8901% | 1,694 |
| Noninterest expense to average assets | 2.4106% | 5,855 |
| Loan and lease loss provision to assets | 0.4652% | 1,896 |
| Net operating income to assets | 0.6208% | 3,921 |
| Return on assets (ROA) | 0.6208% | 3,989 |
| Pretax return on assets | 0.8606% | 3,660 |
| Return on Equity (ROE) | 9.8965% | 2,134 |
| Retained earnings to average equity (ytd only) | 8.3334% | 1,609 |
| Net charge-offs to loans | 0.3422% | 2,694 |
| Credit loss provision to net charge-offs | 216.2612% | 1,392 |
| Earnings coverage of net charge-offs (x) | 6.1639% | 2,146 |
| Efficiency ratio | 64.5168% | 5,272 |
| Assets per employee ($millions) | 5.5998% | 1,492 |
| Cash dividends to net income (ytd only)* | 15.7941% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7362% | 3,225 |
| Loan loss allowance to noncurrent loans | 112.1348% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.6164% | 3,819 |
| Noncurrent loans to loans | 1.5483% | 4,144 |
| Net loans and leases to total assets | 61.8834% | 3,884 |
| Net loans and leases to deposits | 71.5146% | 4,134 |
| Net loans and leases to core deposits | 76.5523% | 4,228 |
| Total domestic deposits to total assets | 84.3494% | 4,345 |
| Equity capital to assets | 6.2726% | 7,254 |
| Core capital (leverage) ratio | 6.3052% | 7,207 |
| Tier 1 risk-based capital ratio | 9.2907% | 7,189 |
| Total risk-based capital ratio | 11.0526% | 7,069 |
| Memoranda: | ||
| Average total assets | $1,452,398,000 | 474 |
| Average earning assets | $1,357,505,000 | 456 |
| Average equity | $91,103,000 | 742 |
| Average total loans | $912,850,000 | 476 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8884% | 7,207 |
| Cost of funding earning assets | 0.6093% | 7,108 |
| Net interest margin | 3.2791% | 6,042 |
| Noninterest income to average assets | 1.0634% | 1,324 |
| Noninterest expense to average assets | 3.1137% | 3,401 |
| Loan and lease loss provision to assets | 0.3255% | 4,207 |
| Net operating income to assets | 0.4719% | 4,220 |
| Return on assets (ROA) | 0.4716% | 4,385 |
| Pretax return on assets | 0.6475% | 4,175 |
| Return on Equity (ROE) | 7.0906% | 3,071 |
| Retained earnings to average equity (ytd only) | 5.3977% | 2,178 |
| Net charge-offs to loans | 0.3227% | 4,399 |
| Credit loss provision to net charge-offs | 149.5631% | 2,425 |
| Earnings coverage of net charge-offs (x) | 4.4722% | 2,911 |
| Efficiency ratio | 76.1829% | 3,030 |
| Assets per employee ($millions) | 5.3644% | 1,702 |
| Cash dividends to net income (ytd only)* | 23.8748% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6783% | 3,299 |
| Loan loss allowance to noncurrent loans | 135.4879% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 1.4429% | 4,165 |
| Noncurrent loans to loans | 1.2387% | 4,650 |
| Net loans and leases to total assets | 61.6704% | 4,356 |
| Net loans and leases to deposits | 71.3548% | 4,630 |
| Net loans and leases to core deposits | 76.7663% | 4,609 |
| Total domestic deposits to total assets | 84.0100% | 4,358 |
| Equity capital to assets | 6.2726% | 7,299 |
| Core capital (leverage) ratio | 6.4743% | 7,199 |
| Tier 1 risk-based capital ratio | 9.3977% | 7,162 |
| Total risk-based capital ratio | 11.1754% | 7,002 |
| Memoranda: | ||
| Average total assets | $1,314,420,400 | 512 |
| Average earning assets | $1,212,070,000 | 500 |
| Average equity | $87,425,800 | 767 |
| Average total loans | $886,591,600 | 507 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9817% | 7,293 |
| Cost of funding earning assets | 0.6478% | 7,183 |
| Net interest margin | 3.3339% | 5,914 |
| Noninterest income to average assets | 1.0648% | 1,266 |
| Noninterest expense to average assets | 3.1154% | 3,263 |
| Loan and lease loss provision to assets | 0.4512% | 3,215 |
| Net operating income to assets | 0.4112% | 4,698 |
| Return on assets (ROA) | 0.4108% | 4,879 |
| Pretax return on assets | 0.5585% | 4,728 |
| Return on Equity (ROE) | 6.0795% | 3,777 |
| Retained earnings to average equity (ytd only) | 4.3655% | 3,427 |
| Net charge-offs to loans | 0.3718% | 3,821 |
| Credit loss provision to net charge-offs | 176.4419% | 2,085 |
| Earnings coverage of net charge-offs (x) | 3.9505% | 3,239 |
| Efficiency ratio | 75.5130% | 3,036 |
| Assets per employee ($millions) | 4.9955% | 2,185 |
| Cash dividends to net income (ytd only)* | 28.1922% | 2,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7127% | 3,116 |
| Loan loss allowance to noncurrent loans | 145.6668% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.5453% | 4,130 |
| Noncurrent loans to loans | 1.1758% | 4,896 |
| Net loans and leases to total assets | 66.8596% | 3,496 |
| Net loans and leases to deposits | 76.8350% | 4,034 |
| Net loans and leases to core deposits | 83.3118% | 4,047 |
| Total domestic deposits to total assets | 83.7246% | 4,261 |
| Equity capital to assets | 6.6022% | 7,414 |
| Core capital (leverage) ratio | 6.6202% | 7,303 |
| Tier 1 risk-based capital ratio | 9.1373% | 7,338 |
| Total risk-based capital ratio | 10.9119% | 7,194 |
| Memoranda: | ||
| Average total assets | $1,283,610,500 | 523 |
| Average earning assets | $1,178,503,000 | 513 |
| Average equity | $86,737,750 | 768 |
| Average total loans | $882,803,500 | 506 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 7,342 |
| Cost of funding earning assets | 0.6711% | 7,254 |
| Net interest margin | 3.3542% | 5,822 |
| Noninterest income to average assets | 0.9646% | 1,470 |
| Noninterest expense to average assets | 3.0934% | 3,353 |
| Loan and lease loss provision to assets | 0.3903% | 3,379 |
| Net operating income to assets | 0.4043% | 4,737 |
| Return on assets (ROA) | 0.4037% | 4,901 |
| Pretax return on assets | 0.5490% | 4,746 |
| Return on Equity (ROE) | 5.9266% | 3,833 |
| Retained earnings to average equity (ytd only) | 4.2025% | 3,393 |
| Net charge-offs to loans | 0.1516% | 4,728 |
| Credit loss provision to net charge-offs | 372.9607% | 978 |
| Earnings coverage of net charge-offs (x) | 8.9834% | 2,069 |
| Efficiency ratio | 76.6931% | 2,952 |
| Assets per employee ($millions) | 4.8294% | 2,406 |
| Cash dividends to net income (ytd only)* | 29.0916% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 2,906 |
| Loan loss allowance to noncurrent loans | 98.1661% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.7974% | 3,757 |
| Noncurrent loans to loans | 1.7812% | 4,023 |
| Net loans and leases to total assets | 67.6454% | 3,464 |
| Net loans and leases to deposits | 78.4593% | 3,891 |
| Net loans and leases to core deposits | 85.0234% | 3,992 |
| Total domestic deposits to total assets | 83.0169% | 4,569 |
| Equity capital to assets | 6.7731% | 7,418 |
| Core capital (leverage) ratio | 6.7729% | 7,295 |
| Tier 1 risk-based capital ratio | 9.2436% | 7,360 |
| Total risk-based capital ratio | 11.0309% | 7,127 |
| Memoranda: | ||
| Average total assets | $1,265,215,330 | 530 |
| Average earning assets | $1,157,578,330 | 522 |
| Average equity | $86,187,000 | 762 |
| Average total loans | $873,500,670 | 513 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 7,412 |
| Cost of funding earning assets | 0.6919% | 7,349 |
| Net interest margin | 3.3628% | 5,745 |
| Noninterest income to average assets | 0.9139% | 1,576 |
| Noninterest expense to average assets | 3.0928% | 3,294 |
| Loan and lease loss provision to assets | 0.3942% | 3,004 |
| Net operating income to assets | 0.3687% | 4,980 |
| Return on assets (ROA) | 0.3687% | 5,105 |
| Pretax return on assets | 0.5018% | 4,955 |
| Return on Equity (ROE) | 5.3964% | 4,159 |
| Retained earnings to average equity (ytd only) | 3.6069% | 3,993 |
| Net charge-offs to loans | 0.0886% | 4,533 |
| Credit loss provision to net charge-offs | 643.2292% | 677 |
| Earnings coverage of net charge-offs (x) | 14.6198% | 1,419 |
| Efficiency ratio | 77.5368% | 2,973 |
| Assets per employee ($millions) | 4.7949% | 2,516 |
| Cash dividends to net income (ytd only)* | 33.1602% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6981% | 3,068 |
| Loan loss allowance to noncurrent loans | 103.8123% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 1.7139% | 3,903 |
| Noncurrent loans to loans | 1.6357% | 4,295 |
| Net loans and leases to total assets | 66.9883% | 3,637 |
| Net loans and leases to deposits | 78.5751% | 3,928 |
| Net loans and leases to core deposits | 85.1997% | 4,012 |
| Total domestic deposits to total assets | 82.1026% | 5,032 |
| Equity capital to assets | 6.7497% | 7,467 |
| Core capital (leverage) ratio | 6.8272% | 7,340 |
| Tier 1 risk-based capital ratio | 9.3628% | 7,368 |
| Total risk-based capital ratio | 11.1631% | 7,076 |
| Memoranda: | ||
| Average total assets | $1,253,098,000 | 549 |
| Average earning assets | $1,145,832,500 | 539 |
| Average equity | $85,612,500 | 775 |
| Average total loans | $866,363,000 | 533 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4119% | 7,466 |
| Cost of funding earning assets | 0.9026% | 7,401 |
| Net interest margin | 3.5093% | 4,913 |
| Noninterest income to average assets | 1.0532% | 1,401 |
| Noninterest expense to average assets | 3.0165% | 4,089 |
| Loan and lease loss provision to assets | 0.9972% | 2,282 |
| Net operating income to assets | 0.1933% | 4,916 |
| Return on assets (ROA) | 0.1933% | 4,990 |
| Pretax return on assets | 0.2064% | 4,993 |
| Return on Equity (ROE) | 2.7020% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.0806% | 4,285 |
| Net charge-offs to loans | 1.2433% | 1,982 |
| Credit loss provision to net charge-offs | 107.8742% | 5,134 |
| Earnings coverage of net charge-offs (x) | 1.3020% | 4,824 |
| Efficiency ratio | 71.4788% | 4,355 |
| Assets per employee ($millions) | 4.7156% | 2,593 |
| Cash dividends to net income (ytd only)* | 60.0087% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5883% | 3,330 |
| Loan loss allowance to noncurrent loans | 98.2451% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.9124% | 3,513 |
| Noncurrent loans to loans | 1.6166% | 4,228 |
| Net loans and leases to total assets | 69.0515% | 3,475 |
| Net loans and leases to deposits | 80.4062% | 3,911 |
| Net loans and leases to core deposits | 95.8292% | 4,483 |
| Total domestic deposits to total assets | 82.8609% | 4,578 |
| Equity capital to assets | 6.9174% | 7,409 |
| Core capital (leverage) ratio | 6.7036% | 7,409 |
| Tier 1 risk-based capital ratio | 9.1462% | 7,399 |
| Total risk-based capital ratio | 10.9370% | 7,080 |
| Memoranda: | ||
| Average total assets | $1,193,784,600 | 559 |
| Average earning assets | $1,077,325,200 | 561 |
| Average equity | $85,418,400 | 750 |
| Average total loans | $887,618,000 | 539 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4553% | 7,559 |
| Cost of funding earning assets | 0.9484% | 7,486 |
| Net interest margin | 3.5068% | 4,834 |
| Noninterest income to average assets | 1.0475% | 1,450 |
| Noninterest expense to average assets | 3.0152% | 3,987 |
| Loan and lease loss provision to assets | 0.8841% | 2,176 |
| Net operating income to assets | 0.2535% | 4,976 |
| Return on assets (ROA) | 0.2535% | 5,060 |
| Pretax return on assets | 0.3062% | 5,048 |
| Return on Equity (ROE) | 3.5123% | 4,571 |
| Retained earnings to average equity (ytd only) | 1.8903% | 4,268 |
| Net charge-offs to loans | 0.5693% | 2,975 |
| Credit loss provision to net charge-offs | 205.8438% | 2,160 |
| Earnings coverage of net charge-offs (x) | 2.7712% | 3,841 |
| Efficiency ratio | 71.6966% | 4,299 |
| Assets per employee ($millions) | 4.9125% | 2,255 |
| Cash dividends to net income (ytd only)* | 46.1811% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 1,995 |
| Loan loss allowance to noncurrent loans | 126.4111% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.6058% | 3,943 |
| Noncurrent loans to loans | 1.5148% | 4,385 |
| Net loans and leases to total assets | 69.8670% | 3,552 |
| Net loans and leases to deposits | 79.6096% | 4,456 |
| Net loans and leases to core deposits | 95.9206% | 4,826 |
| Total domestic deposits to total assets | 84.0783% | 3,692 |
| Equity capital to assets | 6.9077% | 7,637 |
| Core capital (leverage) ratio | 7.0824% | 7,369 |
| Tier 1 risk-based capital ratio | 9.0674% | 7,594 |
| Total risk-based capital ratio | 10.8556% | 7,264 |
| Memoranda: | ||
| Average total assets | $1,184,539,500 | 574 |
| Average earning assets | $1,066,725,500 | 580 |
| Average equity | $85,488,750 | 756 |
| Average total loans | $893,628,000 | 550 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 7,633 |
| Cost of funding earning assets | 0.9960% | 7,558 |
| Net interest margin | 3.4872% | 4,856 |
| Noninterest income to average assets | 1.0940% | 1,330 |
| Noninterest expense to average assets | 3.1340% | 3,562 |
| Loan and lease loss provision to assets | 0.6685% | 2,433 |
| Net operating income to assets | 0.3230% | 4,793 |
| Return on assets (ROA) | 0.3230% | 4,914 |
| Pretax return on assets | 0.4195% | 4,882 |
| Return on Equity (ROE) | 4.4080% | 4,338 |
| Retained earnings to average equity (ytd only) | 2.7819% | 3,780 |
| Net charge-offs to loans | 0.5949% | 2,554 |
| Credit loss provision to net charge-offs | 146.0674% | 3,166 |
| Earnings coverage of net charge-offs (x) | 2.3772% | 3,875 |
| Efficiency ratio | 74.2306% | 4,003 |
| Assets per employee ($millions) | 4.7631% | 2,375 |
| Cash dividends to net income (ytd only)* | 36.8896% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 2,927 |
| Loan loss allowance to noncurrent loans | 121.6997% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.3347% | 4,280 |
| Noncurrent loans to loans | 1.2783% | 4,644 |
| Net loans and leases to total assets | 74.2119% | 2,649 |
| Net loans and leases to deposits | 86.3268% | 3,490 |
| Net loans and leases to core deposits | 104.3397% | 4,026 |
| Total domestic deposits to total assets | 82.2960% | 4,571 |
| Equity capital to assets | 7.1391% | 7,528 |
| Core capital (leverage) ratio | 7.1578% | 7,396 |
| Tier 1 risk-based capital ratio | 8.8723% | 7,759 |
| Total risk-based capital ratio | 10.6452% | 7,445 |
| Memoranda: | ||
| Average total assets | $1,166,734,330 | 593 |
| Average earning assets | $1,046,578,330 | 597 |
| Average equity | $85,480,330 | 769 |
| Average total loans | $897,568,000 | 557 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 7,648 |
| Cost of funding earning assets | 1.0833% | 7,540 |
| Net interest margin | 3.4837% | 4,791 |
| Noninterest income to average assets | 1.0067% | 1,465 |
| Noninterest expense to average assets | 3.0478% | 3,564 |
| Loan and lease loss provision to assets | 0.4348% | 2,755 |
| Net operating income to assets | 0.4484% | 4,657 |
| Return on assets (ROA) | 0.4484% | 4,829 |
| Pretax return on assets | 0.6192% | 4,698 |
| Return on Equity (ROE) | 6.0392% | 4,022 |
| Retained earnings to average equity (ytd only) | 4.3994% | 3,467 |
| Net charge-offs to loans | 0.7276% | 1,733 |
| Credit loss provision to net charge-offs | 76.8758% | 4,244 |
| Earnings coverage of net charge-offs (x) | 1.8635% | 3,800 |
| Efficiency ratio | 74.3046% | 3,769 |
| Assets per employee ($millions) | 4.7000% | 2,436 |
| Cash dividends to net income (ytd only)* | 27.1528% | 2,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 3,443 |
| Loan loss allowance to noncurrent loans | 117.3079% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 1.3058% | 4,058 |
| Noncurrent loans to loans | 1.2031% | 4,565 |
| Net loans and leases to total assets | 73.5553% | 2,876 |
| Net loans and leases to deposits | 84.6942% | 3,868 |
| Net loans and leases to core deposits | 102.1246% | 4,332 |
| Total domestic deposits to total assets | 83.2480% | 4,019 |
| Equity capital to assets | 7.2354% | 7,537 |
| Core capital (leverage) ratio | 7.3748% | 7,296 |
| Tier 1 risk-based capital ratio | 8.9768% | 7,804 |
| Total risk-based capital ratio | 10.7553% | 7,369 |
| Memoranda: | ||
| Average total assets | $1,149,951,500 | 605 |
| Average earning assets | $1,021,675,500 | 611 |
| Average equity | $85,375,000 | 774 |
| Average total loans | $893,930,500 | 564 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3718% | 7,503 |
| Cost of funding earning assets | 1.8069% | 6,986 |
| Net interest margin | 3.5649% | 5,039 |
| Noninterest income to average assets | 0.9403% | 1,813 |
| Noninterest expense to average assets | 2.8763% | 4,525 |
| Loan and lease loss provision to assets | 0.6552% | 2,220 |
| Net operating income to assets | 0.5043% | 4,715 |
| Return on assets (ROA) | 0.5043% | 4,558 |
| Pretax return on assets | 0.7216% | 4,329 |
| Return on Equity (ROE) | 6.8916% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.3003% | 1,856 |
| Net charge-offs to loans | 0.4661% | 2,500 |
| Credit loss provision to net charge-offs | 184.7229% | 2,686 |
| Earnings coverage of net charge-offs (x) | 3.8817% | 4,193 |
| Efficiency ratio | 67.6271% | 4,791 |
| Assets per employee ($millions) | 4.5906% | 2,488 |
| Cash dividends to net income (ytd only)* | 23.0904% | 4,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4208% | 3,085 |
| Loan loss allowance to noncurrent loans | 146.4046% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0927% | 4,101 |
| Noncurrent loans to loans | 0.9705% | 4,653 |
| Net loans and leases to total assets | 79.9060% | 1,686 |
| Net loans and leases to deposits | 91.9696% | 3,137 |
| Net loans and leases to core deposits | 111.4147% | 3,623 |
| Total domestic deposits to total assets | 84.1341% | 3,253 |
| Equity capital to assets | 7.6247% | 7,283 |
| Core capital (leverage) ratio | 7.4643% | 7,246 |
| Tier 1 risk-based capital ratio | 8.7614% | 7,927 |
| Total risk-based capital ratio | 10.5334% | 7,462 |
| Memoranda: | ||
| Average total assets | $1,129,382,600 | 590 |
| Average earning assets | $1,049,518,800 | 580 |
| Average equity | $82,637,000 | 807 |
| Average total loans | $859,432,600 | 566 |