Home > Tompkins Community Bank > Performance and Condition Ratios
Tompkins Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1483% | 3,724 |
| Cost of funding earning assets | 1.2255% | 2,741 |
| Net interest margin | 2.9228% | 3,435 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.2726% | 2,915 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8971% | 2,556 |
| Return on assets (ROA) | 0.1639% | 4,223 |
| Pretax return on assets | 0.2054% | 4,190 |
| Return on Equity (ROE) | 2.2100% | 4,130 |
| Retained earnings to average equity (ytd only) | -4.1132% | 4,370 |
| Net charge-offs to loans | -0.0134% | 4,044 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 65.8510% | 2,374 |
| Assets per employee ($millions) | 9.4455% | 845 |
| Cash dividends to net income (ytd only)* | 285.7120% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9202% | 3,648 |
| Loan loss allowance to noncurrent loans | 82.8446% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 636 |
| Noncurrent loans to loans | 1.1107% | 654 |
| Net loans and leases to total assets | 71.4500% | 1,645 |
| Net loans and leases to deposits | 86.4657% | 1,585 |
| Net loans and leases to core deposits | 92.4927% | 1,870 |
| Total domestic deposits to total assets | 82.6400% | 2,974 |
| Equity capital to assets | 7.8115% | 3,535 |
| Core capital (leverage) ratio | 8.6510% | 4,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8054% | 2,302 |
| Memoranda: | ||
| Average total assets | $7,651,512,800 | 198 |
| Average earning assets | $7,168,179,200 | 188 |
| Average equity | $566,279,800 | 242 |
| Average total loans | $5,387,148,400 | 199 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0464% | 3,767 |
| Cost of funding earning assets | 1.1102% | 2,715 |
| Net interest margin | 2.9362% | 3,463 |
| Noninterest income to average assets | 0.7100% | 1,148 |
| Noninterest expense to average assets | 2.2687% | 2,892 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.9428% | 2,536 |
| Return on assets (ROA) | -0.0266% | 4,428 |
| Pretax return on assets | -0.0844% | 4,438 |
| Return on Equity (ROE) | -0.3600% | 4,405 |
| Retained earnings to average equity (ytd only) | -7.5923% | 4,476 |
| Net charge-offs to loans | -0.0283% | 4,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.6392% | 2,313 |
| Assets per employee ($millions) | 9.0938% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 3,701 |
| Loan loss allowance to noncurrent loans | 156.9611% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 1,409 |
| Noncurrent loans to loans | 0.5783% | 1,386 |
| Net loans and leases to total assets | 70.3300% | 1,787 |
| Net loans and leases to deposits | 80.8255% | 1,987 |
| Net loans and leases to core deposits | 85.1919% | 2,242 |
| Total domestic deposits to total assets | 87.0200% | 1,889 |
| Equity capital to assets | 7.1487% | 3,543 |
| Core capital (leverage) ratio | 8.5434% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8217% | 2,336 |
| Memoranda: | ||
| Average total assets | $7,620,988,000 | 200 |
| Average earning assets | $7,136,094,250 | 191 |
| Average equity | $556,041,500 | 248 |
| Average total loans | $5,332,451,750 | 200 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9577% | 3,773 |
| Cost of funding earning assets | 0.9808% | 2,665 |
| Net interest margin | 2.9769% | 3,490 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.2887% | 2,845 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9384% | 2,619 |
| Return on assets (ROA) | 0.7904% | 3,120 |
| Pretax return on assets | 1.0054% | 2,897 |
| Return on Equity (ROE) | 10.7600% | 2,490 |
| Retained earnings to average equity (ytd only) | 0.8477% | 3,936 |
| Net charge-offs to loans | -0.0493% | 4,370 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.0404% | 2,370 |
| Assets per employee ($millions) | 8.9509% | 927 |
| Cash dividends to net income (ytd only)* | 92.1217% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 3,763 |
| Loan loss allowance to noncurrent loans | 154.7646% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4137% | 1,290 |
| Noncurrent loans to loans | 0.5860% | 1,279 |
| Net loans and leases to total assets | 69.8800% | 1,759 |
| Net loans and leases to deposits | 81.5590% | 1,864 |
| Net loans and leases to core deposits | 85.1974% | 2,134 |
| Total domestic deposits to total assets | 85.6700% | 2,339 |
| Equity capital to assets | 7.3948% | 3,581 |
| Core capital (leverage) ratio | 8.9895% | 3,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6472% | 2,039 |
| Memoranda: | ||
| Average total assets | $7,608,980,667 | 193 |
| Average earning assets | $7,130,790,333 | 185 |
| Average equity | $558,929,667 | 242 |
| Average total loans | $5,298,315,667 | 192 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 3,727 |
| Cost of funding earning assets | 0.8393% | 2,571 |
| Net interest margin | 3.0364% | 3,510 |
| Noninterest income to average assets | 0.7300% | 1,008 |
| Noninterest expense to average assets | 2.2493% | 2,961 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 1.0504% | 2,380 |
| Return on assets (ROA) | 1.0493% | 2,351 |
| Pretax return on assets | 1.3682% | 1,966 |
| Return on Equity (ROE) | 14.3300% | 1,704 |
| Retained earnings to average equity (ytd only) | 4.1230% | 3,241 |
| Net charge-offs to loans | -0.0972% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.9112% | 2,582 |
| Assets per employee ($millions) | 8.9063% | 972 |
| Cash dividends to net income (ytd only)* | 71.2334% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 3,921 |
| Loan loss allowance to noncurrent loans | 162.1092% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 1,378 |
| Noncurrent loans to loans | 0.5392% | 1,373 |
| Net loans and leases to total assets | 68.7300% | 1,765 |
| Net loans and leases to deposits | 79.7352% | 1,835 |
| Net loans and leases to core deposits | 83.1255% | 2,050 |
| Total domestic deposits to total assets | 86.2000% | 2,536 |
| Equity capital to assets | 7.5128% | 3,552 |
| Core capital (leverage) ratio | 9.0040% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7330% | 2,075 |
| Memoranda: | ||
| Average total assets | $7,618,283,000 | 197 |
| Average earning assets | $7,145,851,500 | 189 |
| Average equity | $557,747,000 | 246 |
| Average total loans | $5,271,291,000 | 198 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4368% | 3,244 |
| Cost of funding earning assets | 0.2879% | 2,976 |
| Net interest margin | 3.1489% | 3,025 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.1711% | 3,094 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 1.1169% | 2,091 |
| Return on assets (ROA) | 1.1167% | 2,034 |
| Pretax return on assets | 1.4376% | 1,668 |
| Return on Equity (ROE) | 15.2600% | 1,192 |
| Retained earnings to average equity (ytd only) | 6.5797% | 2,417 |
| Net charge-offs to loans | -0.0115% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.3903% | 3,137 |
| Assets per employee ($millions) | 9.0625% | 901 |
| Cash dividends to net income (ytd only)* | 56.8916% | 1,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 3,864 |
| Loan loss allowance to noncurrent loans | 162.2307% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3730% | 1,372 |
| Noncurrent loans to loans | 0.5374% | 1,373 |
| Net loans and leases to total assets | 68.4500% | 1,795 |
| Net loans and leases to deposits | 78.6074% | 1,885 |
| Net loans and leases to core deposits | 80.9705% | 2,080 |
| Total domestic deposits to total assets | 87.0800% | 2,369 |
| Equity capital to assets | 7.1301% | 3,599 |
| Core capital (leverage) ratio | 8.7927% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6124% | 2,121 |
| Memoranda: | ||
| Average total assets | $7,763,131,200 | 191 |
| Average earning assets | $7,310,718,800 | 184 |
| Average equity | $567,988,400 | 250 |
| Average total loans | $5,155,753,400 | 186 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3323% | 3,092 |
| Cost of funding earning assets | 0.1961% | 3,325 |
| Net interest margin | 3.1362% | 2,811 |
| Noninterest income to average assets | 0.6600% | 1,473 |
| Noninterest expense to average assets | 2.1467% | 3,082 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.1036% | 2,071 |
| Return on assets (ROA) | 1.0996% | 2,068 |
| Pretax return on assets | 1.4426% | 1,590 |
| Return on Equity (ROE) | 14.9400% | 1,192 |
| Retained earnings to average equity (ytd only) | 6.0211% | 2,751 |
| Net charge-offs to loans | -0.0203% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.1529% | 3,228 |
| Assets per employee ($millions) | 9.1190% | 856 |
| Cash dividends to net income (ytd only)* | 59.6871% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 3,961 |
| Loan loss allowance to noncurrent loans | 148.3794% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.3945% | 1,377 |
| Noncurrent loans to loans | 0.5793% | 1,383 |
| Net loans and leases to total assets | 66.7800% | 1,806 |
| Net loans and leases to deposits | 74.0368% | 2,042 |
| Net loans and leases to core deposits | 75.8145% | 2,209 |
| Total domestic deposits to total assets | 90.1900% | 1,574 |
| Equity capital to assets | 6.4485% | 3,768 |
| Core capital (leverage) ratio | 8.5631% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3970% | 2,313 |
| Memoranda: | ||
| Average total assets | $7,796,259,250 | 190 |
| Average earning assets | $7,352,312,000 | 183 |
| Average equity | $573,967,500 | 251 |
| Average total loans | $5,127,464,000 | 187 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2492% | 2,899 |
| Cost of funding earning assets | 0.1422% | 3,680 |
| Net interest margin | 3.1070% | 2,513 |
| Noninterest income to average assets | 0.6588% | 1,505 |
| Noninterest expense to average assets | 2.1091% | 3,123 |
| Loan and lease loss provision to assets | 0.0086% | 2,437 |
| Net operating income to assets | 1.1275% | 1,676 |
| Return on assets (ROA) | 1.1242% | 1,665 |
| Pretax return on assets | 1.4756% | 1,236 |
| Return on Equity (ROE) | 14.6704% | 966 |
| Retained earnings to average equity (ytd only) | 5.7783% | 2,408 |
| Net charge-offs to loans | -0.0354% | 4,114 |
| Credit loss provision to net charge-offs | -5.0885% | 2,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4502% | 3,494 |
| Assets per employee ($millions) | 9.1375% | 842 |
| Cash dividends to net income (ytd only)* | 60.6126% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 4,087 |
| Loan loss allowance to noncurrent loans | 177.1060% | 2,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 1,733 |
| Noncurrent loans to loans | 0.4790% | 1,680 |
| Net loans and leases to total assets | 65.6729% | 1,735 |
| Net loans and leases to deposits | 75.2423% | 1,743 |
| Net loans and leases to core deposits | 77.0278% | 1,920 |
| Total domestic deposits to total assets | 87.2819% | 2,836 |
| Equity capital to assets | 7.0991% | 3,717 |
| Core capital (leverage) ratio | 8.4839% | 3,967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2629% | 2,389 |
| Memoranda: | ||
| Average total assets | $7,817,384,667 | 187 |
| Average earning assets | $7,392,686,000 | 182 |
| Average equity | $599,070,667 | 236 |
| Average total loans | $5,100,473,333 | 185 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1875% | 2,726 |
| Cost of funding earning assets | 0.1381% | 3,661 |
| Net interest margin | 3.0494% | 2,334 |
| Noninterest income to average assets | 0.6530% | 1,481 |
| Noninterest expense to average assets | 2.0646% | 3,261 |
| Loan and lease loss provision to assets | -0.0266% | 4,468 |
| Net operating income to assets | 1.1499% | 1,377 |
| Return on assets (ROA) | 1.1464% | 1,385 |
| Pretax return on assets | 1.5027% | 1,010 |
| Return on Equity (ROE) | 14.4309% | 751 |
| Retained earnings to average equity (ytd only) | 5.6269% | 2,372 |
| Net charge-offs to loans | -0.0013% | 3,046 |
| Credit loss provision to net charge-offs | 4,311.7647% | 111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0565% | 3,674 |
| Assets per employee ($millions) | 9.1188% | 874 |
| Cash dividends to net income (ytd only)* | 61.0081% | 1,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 4,193 |
| Loan loss allowance to noncurrent loans | 167.1667% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 1,825 |
| Noncurrent loans to loans | 0.4977% | 1,781 |
| Net loans and leases to total assets | 64.0299% | 1,614 |
| Net loans and leases to deposits | 71.2482% | 1,836 |
| Net loans and leases to core deposits | 72.9618% | 2,025 |
| Total domestic deposits to total assets | 89.8688% | 1,647 |
| Equity capital to assets | 7.4837% | 3,944 |
| Core capital (leverage) ratio | 8.3671% | 4,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4192% | 2,436 |
| Memoranda: | ||
| Average total assets | $7,828,953,500 | 188 |
| Average earning assets | $7,424,352,000 | 185 |
| Average equity | $621,944,500 | 235 |
| Average total loans | $5,069,458,500 | 188 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0074% | 3,858 |
| Cost of funding earning assets | 0.1760% | 3,701 |
| Net interest margin | 2.8314% | 3,598 |
| Noninterest income to average assets | 3.0056% | 182 |
| Noninterest expense to average assets | 3.8046% | 351 |
| Loan and lease loss provision to assets | -0.1210% | 4,579 |
| Net operating income to assets | 1.5471% | 922 |
| Return on assets (ROA) | 1.5493% | 946 |
| Pretax return on assets | 1.9840% | 619 |
| Return on Equity (ROE) | 23.2227% | 165 |
| Retained earnings to average equity (ytd only) | 5.4620% | 2,586 |
| Net charge-offs to loans | -0.0309% | 4,135 |
| Credit loss provision to net charge-offs | 713.7255% | 656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1632% | 2,102 |
| Assets per employee ($millions) | 5.1123% | 3,636 |
| Cash dividends to net income (ytd only)* | 76.4800% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 4,233 |
| Loan loss allowance to noncurrent loans | 113.7825% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 1,548 |
| Noncurrent loans to loans | 0.7214% | 1,407 |
| Net loans and leases to total assets | 58.2093% | 2,354 |
| Net loans and leases to deposits | 67.6211% | 2,341 |
| Net loans and leases to core deposits | 69.7430% | 2,475 |
| Total domestic deposits to total assets | 86.0815% | 2,869 |
| Equity capital to assets | 6.9541% | 4,727 |
| Core capital (leverage) ratio | 8.3891% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7464% | 1,951 |
| Memoranda: | ||
| Average total assets | $2,462,971,600 | 442 |
| Average earning assets | $2,312,200,600 | 431 |
| Average equity | $164,317,600 | 661 |
| Average total loans | $1,485,888,800 | 475 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0041% | 3,993 |
| Cost of funding earning assets | 0.1868% | 3,745 |
| Net interest margin | 2.8173% | 3,742 |
| Noninterest income to average assets | 2.9749% | 196 |
| Noninterest expense to average assets | 3.7847% | 345 |
| Loan and lease loss provision to assets | -0.1083% | 4,621 |
| Net operating income to assets | 1.5171% | 1,232 |
| Return on assets (ROA) | 1.5215% | 1,266 |
| Pretax return on assets | 1.9486% | 868 |
| Return on Equity (ROE) | 23.0495% | 247 |
| Retained earnings to average equity (ytd only) | 6.2128% | 2,737 |
| Net charge-offs to loans | -0.0484% | 4,342 |
| Credit loss provision to net charge-offs | 367.4033% | 908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3530% | 1,922 |
| Assets per employee ($millions) | 5.0786% | 3,627 |
| Cash dividends to net income (ytd only)* | 73.0459% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8880% | 4,179 |
| Loan loss allowance to noncurrent loans | 120.7490% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 1,714 |
| Noncurrent loans to loans | 0.7354% | 1,522 |
| Net loans and leases to total assets | 59.3874% | 2,334 |
| Net loans and leases to deposits | 68.6358% | 2,379 |
| Net loans and leases to core deposits | 70.9288% | 2,518 |
| Total domestic deposits to total assets | 86.5254% | 2,543 |
| Equity capital to assets | 6.6753% | 4,856 |
| Core capital (leverage) ratio | 8.1829% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6766% | 2,095 |
| Memoranda: | ||
| Average total assets | $2,465,241,250 | 446 |
| Average earning assets | $2,312,918,000 | 439 |
| Average equity | $162,735,500 | 670 |
| Average total loans | $1,497,307,000 | 477 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9916% | 4,060 |
| Cost of funding earning assets | 0.1957% | 3,798 |
| Net interest margin | 2.7959% | 3,795 |
| Noninterest income to average assets | 2.9326% | 193 |
| Noninterest expense to average assets | 3.7640% | 345 |
| Loan and lease loss provision to assets | -0.1186% | 4,658 |
| Net operating income to assets | 1.4997% | 1,291 |
| Return on assets (ROA) | 1.5004% | 1,354 |
| Pretax return on assets | 1.9146% | 985 |
| Return on Equity (ROE) | 22.8145% | 272 |
| Retained earnings to average equity (ytd only) | 4.4205% | 3,392 |
| Net charge-offs to loans | -0.0919% | 4,601 |
| Credit loss provision to net charge-offs | 235.0725% | 985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7102% | 1,912 |
| Assets per employee ($millions) | 5.1568% | 3,501 |
| Cash dividends to net income (ytd only)* | 80.6240% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9144% | 4,119 |
| Loan loss allowance to noncurrent loans | 119.2656% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 1,807 |
| Noncurrent loans to loans | 0.7667% | 1,572 |
| Net loans and leases to total assets | 59.6305% | 2,469 |
| Net loans and leases to deposits | 69.0977% | 2,502 |
| Net loans and leases to core deposits | 71.5065% | 2,646 |
| Total domestic deposits to total assets | 86.2988% | 2,630 |
| Equity capital to assets | 6.5341% | 4,894 |
| Core capital (leverage) ratio | 8.2043% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4259% | 2,195 |
| Memoranda: | ||
| Average total assets | $2,460,872,000 | 440 |
| Average earning assets | $2,310,767,333 | 430 |
| Average equity | $161,835,333 | 668 |
| Average total loans | $1,501,404,667 | 481 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9981% | 4,088 |
| Cost of funding earning assets | 0.2039% | 3,875 |
| Net interest margin | 2.7942% | 3,778 |
| Noninterest income to average assets | 2.9059% | 211 |
| Noninterest expense to average assets | 3.6593% | 386 |
| Loan and lease loss provision to assets | -0.1004% | 4,720 |
| Net operating income to assets | 1.5414% | 1,235 |
| Return on assets (ROA) | 1.5472% | 1,288 |
| Pretax return on assets | 1.9801% | 979 |
| Return on Equity (ROE) | 23.4505% | 315 |
| Retained earnings to average equity (ytd only) | 10.0435% | 1,639 |
| Net charge-offs to loans | -0.0402% | 4,309 |
| Credit loss provision to net charge-offs | 406.6225% | 648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1561% | 2,208 |
| Assets per employee ($millions) | 5.1986% | 3,431 |
| Cash dividends to net income (ytd only)* | 57.1715% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9389% | 4,052 |
| Loan loss allowance to noncurrent loans | 107.4021% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.5246% | 1,806 |
| Noncurrent loans to loans | 0.8742% | 1,542 |
| Net loans and leases to total assets | 59.4425% | 2,611 |
| Net loans and leases to deposits | 68.1062% | 2,693 |
| Net loans and leases to core deposits | 72.8056% | 2,631 |
| Total domestic deposits to total assets | 87.2792% | 2,190 |
| Equity capital to assets | 6.3191% | 4,916 |
| Core capital (leverage) ratio | 8.3198% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7019% | 2,007 |
| Memoranda: | ||
| Average total assets | $2,445,934,500 | 436 |
| Average earning assets | $2,297,326,500 | 427 |
| Average equity | $161,378,500 | 665 |
| Average total loans | $1,502,631,500 | 479 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5368% | 3,947 |
| Cost of funding earning assets | 0.3420% | 3,916 |
| Net interest margin | 3.1949% | 3,373 |
| Noninterest income to average assets | 3.1393% | 180 |
| Noninterest expense to average assets | 4.0511% | 366 |
| Loan and lease loss provision to assets | 0.2093% | 1,879 |
| Net operating income to assets | 1.4729% | 869 |
| Return on assets (ROA) | 1.4699% | 959 |
| Pretax return on assets | 1.8527% | 607 |
| Return on Equity (ROE) | 20.4821% | 211 |
| Retained earnings to average equity (ytd only) | 4.8129% | 2,365 |
| Net charge-offs to loans | 0.1369% | 1,178 |
| Credit loss provision to net charge-offs | 233.2346% | 2,002 |
| Earnings coverage of net charge-offs (x) | 23.0054% | 1,823 |
| Efficiency ratio | 66.2334% | 2,496 |
| Assets per employee ($millions) | 4.8288% | 3,574 |
| Cash dividends to net income (ytd only)* | 76.5018% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 3,947 |
| Loan loss allowance to noncurrent loans | 155.9497% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 0.3951% | 2,403 |
| Noncurrent loans to loans | 0.6277% | 2,125 |
| Net loans and leases to total assets | 62.3300% | 2,568 |
| Net loans and leases to deposits | 73.0666% | 2,583 |
| Net loans and leases to core deposits | 78.3582% | 2,530 |
| Total domestic deposits to total assets | 85.3057% | 2,650 |
| Equity capital to assets | 6.8930% | 4,924 |
| Core capital (leverage) ratio | 8.2149% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7056% | 1,969 |
| Memoranda: | ||
| Average total assets | $2,257,042,400 | 431 |
| Average earning assets | $2,102,266,800 | 424 |
| Average equity | $161,980,200 | 629 |
| Average total loans | $1,478,980,400 | 454 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 3,968 |
| Cost of funding earning assets | 0.3756% | 3,934 |
| Net interest margin | 3.2475% | 3,339 |
| Noninterest income to average assets | 3.1118% | 175 |
| Noninterest expense to average assets | 4.0863% | 354 |
| Loan and lease loss provision to assets | 0.2726% | 1,481 |
| Net operating income to assets | 1.4106% | 1,076 |
| Return on assets (ROA) | 1.4097% | 1,171 |
| Pretax return on assets | 1.7725% | 825 |
| Return on Equity (ROE) | 19.4380% | 263 |
| Retained earnings to average equity (ytd only) | 4.8938% | 2,602 |
| Net charge-offs to loans | 0.1327% | 1,083 |
| Credit loss provision to net charge-offs | 310.2180% | 1,733 |
| Earnings coverage of net charge-offs (x) | 23.2704% | 1,805 |
| Efficiency ratio | 66.6344% | 2,379 |
| Assets per employee ($millions) | 4.7815% | 3,508 |
| Cash dividends to net income (ytd only)* | 74.8238% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9888% | 3,749 |
| Loan loss allowance to noncurrent loans | 159.4609% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 2,574 |
| Noncurrent loans to loans | 0.6201% | 2,250 |
| Net loans and leases to total assets | 63.5680% | 2,816 |
| Net loans and leases to deposits | 74.6694% | 2,896 |
| Net loans and leases to core deposits | 80.4807% | 2,806 |
| Total domestic deposits to total assets | 85.1326% | 2,383 |
| Equity capital to assets | 7.0881% | 4,939 |
| Core capital (leverage) ratio | 8.3501% | 4,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5219% | 1,989 |
| Memoranda: | ||
| Average total assets | $2,227,364,750 | 429 |
| Average earning assets | $2,070,959,500 | 422 |
| Average equity | $161,535,250 | 624 |
| Average total loans | $1,474,864,250 | 450 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6388% | 4,198 |
| Cost of funding earning assets | 0.4282% | 3,910 |
| Net interest margin | 3.2106% | 3,642 |
| Noninterest income to average assets | 3.1609% | 155 |
| Noninterest expense to average assets | 4.1522% | 344 |
| Loan and lease loss provision to assets | 0.3913% | 1,046 |
| Net operating income to assets | 1.2688% | 1,440 |
| Return on assets (ROA) | 1.2700% | 1,557 |
| Pretax return on assets | 1.6022% | 1,221 |
| Return on Equity (ROE) | 17.3700% | 416 |
| Retained earnings to average equity (ytd only) | 3.5006% | 3,180 |
| Net charge-offs to loans | 0.1911% | 801 |
| Credit loss provision to net charge-offs | 305.8781% | 1,602 |
| Earnings coverage of net charge-offs (x) | 15.5591% | 1,904 |
| Efficiency ratio | 67.5823% | 2,296 |
| Assets per employee ($millions) | 4.7315% | 3,499 |
| Cash dividends to net income (ytd only)* | 79.8469% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9582% | 3,758 |
| Loan loss allowance to noncurrent loans | 158.1465% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 2,675 |
| Noncurrent loans to loans | 0.6059% | 2,335 |
| Net loans and leases to total assets | 65.3710% | 2,710 |
| Net loans and leases to deposits | 76.3110% | 2,826 |
| Net loans and leases to core deposits | 82.0631% | 2,773 |
| Total domestic deposits to total assets | 85.6638% | 2,137 |
| Equity capital to assets | 7.0500% | 4,965 |
| Core capital (leverage) ratio | 8.3049% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2732% | 2,076 |
| Memoranda: | ||
| Average total assets | $2,180,870,000 | 427 |
| Average earning assets | $2,025,418,667 | 423 |
| Average equity | $159,458,667 | 630 |
| Average total loans | $1,459,957,667 | 450 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7665% | 4,275 |
| Cost of funding earning assets | 0.5314% | 3,782 |
| Net interest margin | 3.2352% | 3,766 |
| Noninterest income to average assets | 3.3312% | 132 |
| Noninterest expense to average assets | 4.2656% | 388 |
| Loan and lease loss provision to assets | 0.9203% | 244 |
| Net operating income to assets | 0.9271% | 2,427 |
| Return on assets (ROA) | 0.9355% | 2,505 |
| Pretax return on assets | 1.1580% | 2,342 |
| Return on Equity (ROE) | 12.5443% | 974 |
| Retained earnings to average equity (ytd only) | -4.9646% | 4,516 |
| Net charge-offs to loans | 0.3777% | 380 |
| Credit loss provision to net charge-offs | 361.1360% | 1,065 |
| Earnings coverage of net charge-offs (x) | 8.1091% | 1,885 |
| Efficiency ratio | 67.3504% | 2,762 |
| Assets per employee ($millions) | 4.4332% | 3,357 |
| Cash dividends to net income (ytd only)* | 139.5765% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,295 |
| Loan loss allowance to noncurrent loans | 179.7159% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4121% | 2,809 |
| Noncurrent loans to loans | 0.6027% | 2,486 |
| Net loans and leases to total assets | 65.9625% | 2,820 |
| Net loans and leases to deposits | 79.5170% | 2,726 |
| Net loans and leases to core deposits | 82.8576% | 2,949 |
| Total domestic deposits to total assets | 82.9540% | 3,129 |
| Equity capital to assets | 7.4972% | 5,036 |
| Core capital (leverage) ratio | 8.9072% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0309% | 2,272 |
| Memoranda: | ||
| Average total assets | $2,100,252,000 | 427 |
| Average earning assets | $1,948,099,000 | 422 |
| Average equity | $156,628,500 | 635 |
| Average total loans | $1,417,002,000 | 447 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 4,496 |
| Cost of funding earning assets | 0.6594% | 3,368 |
| Net interest margin | 3.1990% | 4,187 |
| Noninterest income to average assets | 3.3143% | 133 |
| Noninterest expense to average assets | 4.2918% | 378 |
| Loan and lease loss provision to assets | 0.0609% | 2,819 |
| Net operating income to assets | 1.5181% | 1,008 |
| Return on assets (ROA) | 1.5303% | 1,042 |
| Pretax return on assets | 1.9306% | 693 |
| Return on Equity (ROE) | 20.9623% | 167 |
| Retained earnings to average equity (ytd only) | 2.1087% | 3,944 |
| Net charge-offs to loans | 0.0657% | 2,151 |
| Credit loss provision to net charge-offs | 140.8027% | 1,838 |
| Earnings coverage of net charge-offs (x) | 45.6332% | 1,200 |
| Efficiency ratio | 68.4734% | 2,393 |
| Assets per employee ($millions) | 4.3173% | 3,482 |
| Cash dividends to net income (ytd only)* | 89.9407% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7658% | 4,404 |
| Loan loss allowance to noncurrent loans | 106.0645% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 2,385 |
| Noncurrent loans to loans | 0.7220% | 2,073 |
| Net loans and leases to total assets | 67.7564% | 2,714 |
| Net loans and leases to deposits | 84.9221% | 2,218 |
| Net loans and leases to core deposits | 88.3924% | 2,571 |
| Total domestic deposits to total assets | 79.7865% | 4,023 |
| Equity capital to assets | 7.4166% | 5,113 |
| Core capital (leverage) ratio | 9.1602% | 4,392 |
| Tier 1 risk-based capital ratio | 13.2133% | 3,676 |
| Total risk-based capital ratio | 14.0796% | 3,771 |
| Memoranda: | ||
| Average total assets | $2,072,976,600 | 411 |
| Average earning assets | $1,912,937,400 | 407 |
| Average equity | $151,328,800 | 618 |
| Average total loans | $1,364,325,200 | 440 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 4,577 |
| Cost of funding earning assets | 0.6871% | 3,275 |
| Net interest margin | 3.1823% | 4,339 |
| Noninterest income to average assets | 3.2858% | 138 |
| Noninterest expense to average assets | 4.2668% | 378 |
| Loan and lease loss provision to assets | 0.0678% | 2,529 |
| Net operating income to assets | 1.4980% | 1,189 |
| Return on assets (ROA) | 1.5096% | 1,219 |
| Pretax return on assets | 1.9038% | 859 |
| Return on Equity (ROE) | 20.7615% | 210 |
| Retained earnings to average equity (ytd only) | 2.0747% | 4,244 |
| Net charge-offs to loans | 0.0782% | 1,707 |
| Credit loss provision to net charge-offs | 132.8715% | 1,794 |
| Earnings coverage of net charge-offs (x) | 38.3338% | 1,410 |
| Efficiency ratio | 68.5579% | 2,330 |
| Assets per employee ($millions) | 4.3041% | 3,478 |
| Cash dividends to net income (ytd only)* | 90.0072% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 4,466 |
| Loan loss allowance to noncurrent loans | 114.1057% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,644 |
| Noncurrent loans to loans | 0.6812% | 2,258 |
| Net loans and leases to total assets | 66.5813% | 2,977 |
| Net loans and leases to deposits | 82.5561% | 2,613 |
| Net loans and leases to core deposits | 86.4015% | 2,873 |
| Total domestic deposits to total assets | 80.6498% | 3,837 |
| Equity capital to assets | 7.6331% | 5,182 |
| Core capital (leverage) ratio | 9.0689% | 4,583 |
| Tier 1 risk-based capital ratio | 13.2247% | 3,728 |
| Total risk-based capital ratio | 14.0975% | 3,828 |
| Memoranda: | ||
| Average total assets | $2,075,300,000 | 411 |
| Average earning assets | $1,914,990,000 | 412 |
| Average equity | $150,897,250 | 618 |
| Average total loans | $1,353,139,250 | 444 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8495% | 4,637 |
| Cost of funding earning assets | 0.6999% | 3,171 |
| Net interest margin | 3.1496% | 4,452 |
| Noninterest income to average assets | 3.2322% | 137 |
| Noninterest expense to average assets | 4.2345% | 393 |
| Loan and lease loss provision to assets | 0.0214% | 3,371 |
| Net operating income to assets | 1.5029% | 1,142 |
| Return on assets (ROA) | 1.5158% | 1,155 |
| Pretax return on assets | 1.9027% | 833 |
| Return on Equity (ROE) | 21.1929% | 193 |
| Retained earnings to average equity (ytd only) | 2.7236% | 3,840 |
| Net charge-offs to loans | 0.0245% | 2,360 |
| Credit loss provision to net charge-offs | 135.1515% | 1,615 |
| Earnings coverage of net charge-offs (x) | 120.4121% | 605 |
| Efficiency ratio | 68.9382% | 2,386 |
| Assets per employee ($millions) | 4.3531% | 3,363 |
| Cash dividends to net income (ytd only)* | 87.1486% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 4,556 |
| Loan loss allowance to noncurrent loans | 165.8178% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 3,255 |
| Noncurrent loans to loans | 0.4628% | 2,893 |
| Net loans and leases to total assets | 66.1201% | 3,088 |
| Net loans and leases to deposits | 88.8573% | 1,881 |
| Net loans and leases to core deposits | 93.1945% | 2,312 |
| Total domestic deposits to total assets | 74.4116% | 4,805 |
| Equity capital to assets | 7.5216% | 5,234 |
| Core capital (leverage) ratio | 8.7336% | 4,814 |
| Tier 1 risk-based capital ratio | 13.2693% | 3,705 |
| Total risk-based capital ratio | 14.1322% | 3,802 |
| Memoranda: | ||
| Average total assets | $2,084,153,000 | 410 |
| Average earning assets | $1,924,861,000 | 409 |
| Average equity | $149,068,670 | 621 |
| Average total loans | $1,345,930,670 | 448 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 4,728 |
| Cost of funding earning assets | 0.6556% | 3,291 |
| Net interest margin | 3.1275% | 4,541 |
| Noninterest income to average assets | 3.1860% | 132 |
| Noninterest expense to average assets | 4.0840% | 475 |
| Loan and lease loss provision to assets | -0.0280% | 5,235 |
| Net operating income to assets | 1.5925% | 912 |
| Return on assets (ROA) | 1.5870% | 949 |
| Pretax return on assets | 2.0142% | 623 |
| Return on Equity (ROE) | 22.7611% | 150 |
| Retained earnings to average equity (ytd only) | 10.7935% | 850 |
| Net charge-offs to loans | 0.0201% | 2,053 |
| Credit loss provision to net charge-offs | -219.4030% | 3,661 |
| Earnings coverage of net charge-offs (x) | 156.1493% | 492 |
| Efficiency ratio | 67.2025% | 2,759 |
| Assets per employee ($millions) | 4.5162% | 3,163 |
| Cash dividends to net income (ytd only)* | 52.5792% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 4,607 |
| Loan loss allowance to noncurrent loans | 339.5743% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 4,066 |
| Noncurrent loans to loans | 0.2267% | 3,769 |
| Net loans and leases to total assets | 62.9383% | 3,410 |
| Net loans and leases to deposits | 84.1946% | 2,366 |
| Net loans and leases to core deposits | 87.7220% | 2,717 |
| Total domestic deposits to total assets | 74.7534% | 4,877 |
| Equity capital to assets | 7.2325% | 5,293 |
| Core capital (leverage) ratio | 8.8158% | 4,781 |
| Tier 1 risk-based capital ratio | 13.5301% | 3,588 |
| Total risk-based capital ratio | 14.3812% | 3,720 |
| Memoranda: | ||
| Average total assets | $2,101,080,500 | 411 |
| Average earning assets | $1,941,354,000 | 407 |
| Average equity | $146,495,500 | 628 |
| Average total loans | $1,335,824,500 | 449 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 4,649 |
| Cost of funding earning assets | 0.4977% | 3,377 |
| Net interest margin | 3.2157% | 4,456 |
| Noninterest income to average assets | 3.4142% | 130 |
| Noninterest expense to average assets | 4.1801% | 405 |
| Loan and lease loss provision to assets | -0.0178% | 5,130 |
| Net operating income to assets | 1.7544% | 610 |
| Return on assets (ROA) | 1.7450% | 616 |
| Pretax return on assets | 2.2128% | 348 |
| Return on Equity (ROE) | 27.8872% | 51 |
| Retained earnings to average equity (ytd only) | 13.7673% | 183 |
| Net charge-offs to loans | -0.0341% | 4,854 |
| Credit loss provision to net charge-offs | 82.8571% | 2,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4462% | 2,962 |
| Assets per employee ($millions) | 4.5796% | 3,049 |
| Cash dividends to net income (ytd only)* | 50.6321% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 4,614 |
| Loan loss allowance to noncurrent loans | 275.1386% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 3,893 |
| Noncurrent loans to loans | 0.2816% | 3,559 |
| Net loans and leases to total assets | 63.2340% | 3,434 |
| Net loans and leases to deposits | 85.4915% | 2,350 |
| Net loans and leases to core deposits | 88.7226% | 2,678 |
| Total domestic deposits to total assets | 73.9653% | 4,951 |
| Equity capital to assets | 6.7148% | 5,351 |
| Core capital (leverage) ratio | 8.5151% | 5,025 |
| Tier 1 risk-based capital ratio | 13.0561% | 3,818 |
| Total risk-based capital ratio | 13.9113% | 3,924 |
| Memoranda: | ||
| Average total assets | $2,112,439,600 | 401 |
| Average earning assets | $1,951,914,600 | 398 |
| Average equity | $132,182,400 | 658 |
| Average total loans | $1,335,704,800 | 438 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6793% | 4,687 |
| Cost of funding earning assets | 0.4679% | 3,406 |
| Net interest margin | 3.2113% | 4,488 |
| Noninterest income to average assets | 3.2749% | 149 |
| Noninterest expense to average assets | 4.1278% | 442 |
| Loan and lease loss provision to assets | -0.0039% | 5,199 |
| Net operating income to assets | 1.6713% | 800 |
| Return on assets (ROA) | 1.6719% | 803 |
| Pretax return on assets | 2.1206% | 461 |
| Return on Equity (ROE) | 27.2161% | 54 |
| Retained earnings to average equity (ytd only) | 12.8360% | 380 |
| Net charge-offs to loans | -0.0263% | 4,704 |
| Credit loss provision to net charge-offs | 23.5741% | 2,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1100% | 2,854 |
| Assets per employee ($millions) | 4.6977% | 2,853 |
| Cash dividends to net income (ytd only)* | 52.8366% | 1,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 4,689 |
| Loan loss allowance to noncurrent loans | 273.9740% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 4,034 |
| Noncurrent loans to loans | 0.2847% | 3,667 |
| Net loans and leases to total assets | 63.3197% | 3,503 |
| Net loans and leases to deposits | 85.3560% | 2,440 |
| Net loans and leases to core deposits | 88.4250% | 2,805 |
| Total domestic deposits to total assets | 74.1831% | 4,960 |
| Equity capital to assets | 6.2650% | 5,439 |
| Core capital (leverage) ratio | 8.1926% | 5,254 |
| Tier 1 risk-based capital ratio | 12.3212% | 4,304 |
| Total risk-based capital ratio | 13.1720% | 4,425 |
| Memoranda: | ||
| Average total assets | $2,112,755,750 | 401 |
| Average earning assets | $1,952,152,250 | 396 |
| Average equity | $129,787,750 | 665 |
| Average total loans | $1,333,279,500 | 434 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 4,713 |
| Cost of funding earning assets | 0.4290% | 3,502 |
| Net interest margin | 3.2023% | 4,499 |
| Noninterest income to average assets | 3.3324% | 145 |
| Noninterest expense to average assets | 4.0964% | 474 |
| Loan and lease loss provision to assets | -0.0122% | 5,309 |
| Net operating income to assets | 1.7425% | 665 |
| Return on assets (ROA) | 1.7450% | 663 |
| Pretax return on assets | 2.2161% | 377 |
| Return on Equity (ROE) | 28.5965% | 44 |
| Retained earnings to average equity (ytd only) | 14.1065% | 270 |
| Net charge-offs to loans | -0.0329% | 4,768 |
| Credit loss provision to net charge-offs | 59.1743% | 2,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0503% | 3,151 |
| Assets per employee ($millions) | 4.6761% | 2,847 |
| Cash dividends to net income (ytd only)* | 50.6706% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 4,750 |
| Loan loss allowance to noncurrent loans | 161.5980% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 3,510 |
| Noncurrent loans to loans | 0.4827% | 2,988 |
| Net loans and leases to total assets | 62.6691% | 3,530 |
| Net loans and leases to deposits | 86.6285% | 2,253 |
| Net loans and leases to core deposits | 89.6518% | 2,602 |
| Total domestic deposits to total assets | 72.3424% | 5,154 |
| Equity capital to assets | 6.1816% | 5,501 |
| Core capital (leverage) ratio | 8.0853% | 5,318 |
| Tier 1 risk-based capital ratio | 12.1133% | 4,428 |
| Total risk-based capital ratio | 12.9587% | 4,557 |
| Memoranda: | ||
| Average total assets | $2,110,789,670 | 402 |
| Average earning assets | $1,953,249,000 | 397 |
| Average equity | $128,806,000 | 668 |
| Average total loans | $1,327,015,000 | 436 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 4,639 |
| Cost of funding earning assets | 0.3989% | 3,597 |
| Net interest margin | 3.2317% | 4,365 |
| Noninterest income to average assets | 3.0927% | 156 |
| Noninterest expense to average assets | 4.0113% | 525 |
| Loan and lease loss provision to assets | -0.0249% | 5,435 |
| Net operating income to assets | 1.6465% | 768 |
| Return on assets (ROA) | 1.6531% | 765 |
| Pretax return on assets | 2.1135% | 448 |
| Return on Equity (ROE) | 27.2684% | 63 |
| Retained earnings to average equity (ytd only) | 12.6572% | 574 |
| Net charge-offs to loans | -0.0160% | 4,444 |
| Credit loss provision to net charge-offs | 247.1698% | 921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8479% | 3,194 |
| Assets per employee ($millions) | 4.5760% | 3,034 |
| Cash dividends to net income (ytd only)* | 53.5829% | 1,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 4,840 |
| Loan loss allowance to noncurrent loans | 158.3899% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 3,601 |
| Noncurrent loans to loans | 0.4925% | 3,039 |
| Net loans and leases to total assets | 62.3320% | 3,510 |
| Net loans and leases to deposits | 82.3895% | 2,561 |
| Net loans and leases to core deposits | 85.1228% | 2,879 |
| Total domestic deposits to total assets | 75.6553% | 5,004 |
| Equity capital to assets | 6.0651% | 5,568 |
| Core capital (leverage) ratio | 7.7954% | 5,447 |
| Tier 1 risk-based capital ratio | 11.8980% | 4,605 |
| Total risk-based capital ratio | 12.7418% | 4,760 |
| Memoranda: | ||
| Average total assets | $2,107,046,000 | 405 |
| Average earning assets | $1,954,280,000 | 402 |
| Average equity | $127,737,500 | 669 |
| Average total loans | $1,321,551,500 | 441 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4589% | 4,849 |
| Cost of funding earning assets | 0.3295% | 3,882 |
| Net interest margin | 3.1294% | 4,631 |
| Noninterest income to average assets | 2.9762% | 175 |
| Noninterest expense to average assets | 3.9106% | 608 |
| Loan and lease loss provision to assets | 0.0336% | 3,592 |
| Net operating income to assets | 1.0785% | 1,943 |
| Return on assets (ROA) | 1.0694% | 2,002 |
| Pretax return on assets | 1.9396% | 557 |
| Return on Equity (ROE) | 16.9955% | 394 |
| Retained earnings to average equity (ytd only) | 5.9180% | 1,585 |
| Net charge-offs to loans | -0.0279% | 5,044 |
| Credit loss provision to net charge-offs | -196.5418% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3192% | 3,201 |
| Assets per employee ($millions) | 4.5850% | 3,054 |
| Cash dividends to net income (ytd only)* | 65.1790% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 4,884 |
| Loan loss allowance to noncurrent loans | 162.0771% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3014% | 3,681 |
| Noncurrent loans to loans | 0.4813% | 3,072 |
| Net loans and leases to total assets | 62.1318% | 3,599 |
| Net loans and leases to deposits | 86.0350% | 2,255 |
| Net loans and leases to core deposits | 89.2772% | 2,630 |
| Total domestic deposits to total assets | 72.2169% | 5,309 |
| Equity capital to assets | 6.0597% | 5,630 |
| Core capital (leverage) ratio | 7.7669% | 5,507 |
| Tier 1 risk-based capital ratio | 11.6511% | 4,753 |
| Total risk-based capital ratio | 12.5048% | 4,888 |
| Memoranda: | ||
| Average total assets | $2,032,399,400 | 404 |
| Average earning assets | $1,895,455,000 | 397 |
| Average equity | $127,881,200 | 643 |
| Average total loans | $1,244,095,600 | 449 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4494% | 4,893 |
| Cost of funding earning assets | 0.3173% | 3,957 |
| Net interest margin | 3.1321% | 4,616 |
| Noninterest income to average assets | 2.9851% | 182 |
| Noninterest expense to average assets | 3.9097% | 586 |
| Loan and lease loss provision to assets | 0.0168% | 3,809 |
| Net operating income to assets | 1.3388% | 1,224 |
| Return on assets (ROA) | 1.3276% | 1,288 |
| Pretax return on assets | 1.9690% | 582 |
| Return on Equity (ROE) | 20.8968% | 180 |
| Retained earnings to average equity (ytd only) | 9.8087% | 624 |
| Net charge-offs to loans | -0.0359% | 5,058 |
| Credit loss provision to net charge-offs | -76.8997% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1445% | 3,183 |
| Assets per employee ($millions) | 4.5481% | 3,054 |
| Cash dividends to net income (ytd only)* | 53.0613% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 4,944 |
| Loan loss allowance to noncurrent loans | 243.3628% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 4,315 |
| Noncurrent loans to loans | 0.3210% | 3,800 |
| Net loans and leases to total assets | 60.6324% | 3,794 |
| Net loans and leases to deposits | 84.0038% | 2,560 |
| Net loans and leases to core deposits | 87.5593% | 2,814 |
| Total domestic deposits to total assets | 72.1782% | 5,363 |
| Equity capital to assets | 6.4565% | 5,691 |
| Core capital (leverage) ratio | 7.6810% | 5,597 |
| Tier 1 risk-based capital ratio | 11.7035% | 4,826 |
| Total risk-based capital ratio | 12.5609% | 4,959 |
| Memoranda: | ||
| Average total assets | $2,010,930,500 | 410 |
| Average earning assets | $1,877,279,250 | 401 |
| Average equity | $127,761,000 | 650 |
| Average total loans | $1,223,502,250 | 456 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4167% | 4,946 |
| Cost of funding earning assets | 0.2839% | 4,246 |
| Net interest margin | 3.1328% | 4,595 |
| Noninterest income to average assets | 2.9862% | 188 |
| Noninterest expense to average assets | 3.9271% | 579 |
| Loan and lease loss provision to assets | 0.0036% | 3,828 |
| Net operating income to assets | 1.3392% | 1,198 |
| Return on assets (ROA) | 1.3333% | 1,231 |
| Pretax return on assets | 1.9765% | 553 |
| Return on Equity (ROE) | 21.1051% | 176 |
| Retained earnings to average equity (ytd only) | 9.8366% | 617 |
| Net charge-offs to loans | -0.0415% | 5,088 |
| Credit loss provision to net charge-offs | -14.3426% | 4,226 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3930% | 3,288 |
| Assets per employee ($millions) | 4.3331% | 3,374 |
| Cash dividends to net income (ytd only)* | 53.3921% | 1,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7749% | 5,005 |
| Loan loss allowance to noncurrent loans | 211.8906% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 4,259 |
| Noncurrent loans to loans | 0.3657% | 3,718 |
| Net loans and leases to total assets | 60.5165% | 3,791 |
| Net loans and leases to deposits | 82.2091% | 2,680 |
| Net loans and leases to core deposits | 85.7095% | 2,908 |
| Total domestic deposits to total assets | 73.6129% | 5,326 |
| Equity capital to assets | 6.3924% | 5,736 |
| Core capital (leverage) ratio | 7.6054% | 5,634 |
| Tier 1 risk-based capital ratio | 11.7028% | 4,839 |
| Total risk-based capital ratio | 12.5555% | 4,972 |
| Memoranda: | ||
| Average total assets | $1,989,929,000 | 412 |
| Average earning assets | $1,859,126,000 | 402 |
| Average equity | $125,713,670 | 664 |
| Average total loans | $1,208,877,330 | 461 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3751% | 4,984 |
| Cost of funding earning assets | 0.2692% | 4,363 |
| Net interest margin | 3.1059% | 4,634 |
| Noninterest income to average assets | 2.9610% | 197 |
| Noninterest expense to average assets | 3.9458% | 575 |
| Loan and lease loss provision to assets | -0.0305% | 5,688 |
| Net operating income to assets | 1.3196% | 1,193 |
| Return on assets (ROA) | 1.3137% | 1,239 |
| Pretax return on assets | 1.9468% | 561 |
| Return on Equity (ROE) | 20.9229% | 193 |
| Retained earnings to average equity (ytd only) | 9.4616% | 932 |
| Net charge-offs to loans | -0.0355% | 5,013 |
| Credit loss provision to net charge-offs | 141.5094% | 1,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2218% | 3,312 |
| Assets per employee ($millions) | 4.1937% | 3,675 |
| Cash dividends to net income (ytd only)* | 54.7788% | 1,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 5,127 |
| Loan loss allowance to noncurrent loans | 240.0104% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,455 |
| Noncurrent loans to loans | 0.3229% | 3,966 |
| Net loans and leases to total assets | 60.1095% | 3,776 |
| Net loans and leases to deposits | 77.3431% | 3,047 |
| Net loans and leases to core deposits | 80.4493% | 3,246 |
| Total domestic deposits to total assets | 77.7180% | 5,004 |
| Equity capital to assets | 6.3563% | 5,797 |
| Core capital (leverage) ratio | 7.5236% | 5,699 |
| Tier 1 risk-based capital ratio | 11.7180% | 4,904 |
| Total risk-based capital ratio | 12.4583% | 5,095 |
| Memoranda: | ||
| Average total assets | $1,968,772,500 | 420 |
| Average earning assets | $1,842,679,000 | 409 |
| Average equity | $123,615,500 | 667 |
| Average total loans | $1,193,592,500 | 464 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4008% | 4,979 |
| Cost of funding earning assets | 0.3339% | 3,705 |
| Net interest margin | 3.0669% | 4,809 |
| Noninterest income to average assets | 2.9523% | 209 |
| Noninterest expense to average assets | 3.9181% | 673 |
| Loan and lease loss provision to assets | 0.0428% | 3,526 |
| Net operating income to assets | 1.2612% | 1,325 |
| Return on assets (ROA) | 1.2697% | 1,375 |
| Pretax return on assets | 1.8709% | 662 |
| Return on Equity (ROE) | 18.4571% | 293 |
| Retained earnings to average equity (ytd only) | 0.0636% | 5,285 |
| Net charge-offs to loans | -0.0280% | 5,220 |
| Credit loss provision to net charge-offs | -260.5263% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3388% | 3,378 |
| Assets per employee ($millions) | 4.2845% | 3,466 |
| Cash dividends to net income (ytd only)* | 99.6555% | 368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 5,153 |
| Loan loss allowance to noncurrent loans | 301.7487% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 4,667 |
| Noncurrent loans to loans | 0.2594% | 4,224 |
| Net loans and leases to total assets | 60.1989% | 3,826 |
| Net loans and leases to deposits | 79.6247% | 2,925 |
| Net loans and leases to core deposits | 82.9419% | 3,131 |
| Total domestic deposits to total assets | 75.6033% | 5,282 |
| Equity capital to assets | 6.2008% | 5,849 |
| Core capital (leverage) ratio | 7.6906% | 5,708 |
| Tier 1 risk-based capital ratio | 11.5876% | 4,996 |
| Total risk-based capital ratio | 12.3397% | 5,187 |
| Memoranda: | ||
| Average total assets | $1,852,068,400 | 421 |
| Average earning assets | $1,729,522,800 | 414 |
| Average equity | $127,403,600 | 631 |
| Average total loans | $1,087,389,800 | 478 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 4,937 |
| Cost of funding earning assets | 0.3599% | 3,433 |
| Net interest margin | 3.0788% | 4,831 |
| Noninterest income to average assets | 3.0106% | 206 |
| Noninterest expense to average assets | 3.9602% | 618 |
| Loan and lease loss provision to assets | 0.0130% | 3,991 |
| Net operating income to assets | 1.2811% | 1,348 |
| Return on assets (ROA) | 1.2944% | 1,413 |
| Pretax return on assets | 1.9335% | 655 |
| Return on Equity (ROE) | 18.3310% | 334 |
| Retained earnings to average equity (ytd only) | 0.1335% | 5,305 |
| Net charge-offs to loans | -0.0249% | 5,083 |
| Credit loss provision to net charge-offs | -89.8990% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2844% | 3,359 |
| Assets per employee ($millions) | 4.0946% | 3,798 |
| Cash dividends to net income (ytd only)* | 99.2717% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 5,246 |
| Loan loss allowance to noncurrent loans | 321.0605% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 4,803 |
| Noncurrent loans to loans | 0.2429% | 4,402 |
| Net loans and leases to total assets | 59.3585% | 3,964 |
| Net loans and leases to deposits | 75.2214% | 3,475 |
| Net loans and leases to core deposits | 77.7714% | 3,685 |
| Total domestic deposits to total assets | 78.9118% | 4,740 |
| Equity capital to assets | 7.0730% | 5,883 |
| Core capital (leverage) ratio | 7.8690% | 5,734 |
| Tier 1 risk-based capital ratio | 12.4771% | 4,497 |
| Total risk-based capital ratio | 13.2268% | 4,703 |
| Memoranda: | ||
| Average total assets | $1,824,506,000 | 427 |
| Average earning assets | $1,702,574,500 | 420 |
| Average equity | $128,834,750 | 626 |
| Average total loans | $1,061,584,250 | 483 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4417% | 4,997 |
| Cost of funding earning assets | 0.3570% | 3,490 |
| Net interest margin | 3.0847% | 4,871 |
| Noninterest income to average assets | 2.9850% | 202 |
| Noninterest expense to average assets | 3.9141% | 666 |
| Loan and lease loss provision to assets | 0.0011% | 4,009 |
| Net operating income to assets | 1.3003% | 1,276 |
| Return on assets (ROA) | 1.3045% | 1,361 |
| Pretax return on assets | 1.9539% | 628 |
| Return on Equity (ROE) | 18.4840% | 332 |
| Retained earnings to average equity (ytd only) | 1.9901% | 4,571 |
| Net charge-offs to loans | -0.0158% | 4,856 |
| Credit loss provision to net charge-offs | -12.0482% | 4,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7730% | 3,569 |
| Assets per employee ($millions) | 4.1940% | 3,578 |
| Cash dividends to net income (ytd only)* | 89.2336% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7818% | 5,321 |
| Loan loss allowance to noncurrent loans | 376.4599% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 4,973 |
| Noncurrent loans to loans | 0.2077% | 4,614 |
| Net loans and leases to total assets | 57.4495% | 4,176 |
| Net loans and leases to deposits | 74.2531% | 3,561 |
| Net loans and leases to core deposits | 77.0528% | 3,732 |
| Total domestic deposits to total assets | 77.3697% | 5,107 |
| Equity capital to assets | 7.2185% | 5,948 |
| Core capital (leverage) ratio | 7.9347% | 5,760 |
| Tier 1 risk-based capital ratio | 12.8605% | 4,279 |
| Total risk-based capital ratio | 13.6044% | 4,535 |
| Memoranda: | ||
| Average total assets | $1,818,480,670 | 426 |
| Average earning assets | $1,694,676,000 | 418 |
| Average equity | $128,338,000 | 627 |
| Average total loans | $1,048,003,330 | 485 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4498% | 5,005 |
| Cost of funding earning assets | 0.3548% | 3,552 |
| Net interest margin | 3.0950% | 4,874 |
| Noninterest income to average assets | 3.0150% | 201 |
| Noninterest expense to average assets | 3.9462% | 646 |
| Loan and lease loss provision to assets | 0.0226% | 3,388 |
| Net operating income to assets | 1.2784% | 1,313 |
| Return on assets (ROA) | 1.2797% | 1,403 |
| Pretax return on assets | 1.9308% | 654 |
| Return on Equity (ROE) | 18.3447% | 329 |
| Retained earnings to average equity (ytd only) | 1.5720% | 4,638 |
| Net charge-offs to loans | -0.0238% | 4,953 |
| Credit loss provision to net charge-offs | -164.5161% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9242% | 3,642 |
| Assets per employee ($millions) | 4.0834% | 3,802 |
| Cash dividends to net income (ytd only)* | 91.4305% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 5,355 |
| Loan loss allowance to noncurrent loans | 335.8430% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 4,842 |
| Noncurrent loans to loans | 0.2385% | 4,577 |
| Net loans and leases to total assets | 57.2733% | 4,119 |
| Net loans and leases to deposits | 70.4109% | 3,821 |
| Net loans and leases to core deposits | 73.2767% | 3,958 |
| Total domestic deposits to total assets | 81.3415% | 4,394 |
| Equity capital to assets | 7.1287% | 5,996 |
| Core capital (leverage) ratio | 7.9218% | 5,803 |
| Tier 1 risk-based capital ratio | 12.9704% | 4,283 |
| Total risk-based capital ratio | 13.7336% | 4,499 |
| Memoranda: | ||
| Average total assets | $1,809,227,500 | 427 |
| Average earning assets | $1,683,125,500 | 418 |
| Average equity | $126,205,500 | 638 |
| Average total loans | $1,040,177,500 | 484 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4528% | 5,039 |
| Cost of funding earning assets | 0.3962% | 3,203 |
| Net interest margin | 3.0566% | 5,010 |
| Noninterest income to average assets | 3.0188% | 204 |
| Noninterest expense to average assets | 3.7996% | 862 |
| Loan and lease loss provision to assets | -0.0046% | 5,608 |
| Net operating income to assets | 1.3766% | 1,080 |
| Return on assets (ROA) | 1.3843% | 1,114 |
| Pretax return on assets | 2.0747% | 460 |
| Return on Equity (ROE) | 19.9833% | 257 |
| Retained earnings to average equity (ytd only) | 9.9160% | 472 |
| Net charge-offs to loans | -0.0718% | 5,679 |
| Credit loss provision to net charge-offs | 11.4123% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8749% | 4,099 |
| Assets per employee ($millions) | 4.1409% | 3,679 |
| Cash dividends to net income (ytd only)* | 50.3786% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7955% | 5,420 |
| Loan loss allowance to noncurrent loans | 307.4794% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 4,844 |
| Noncurrent loans to loans | 0.2587% | 4,513 |
| Net loans and leases to total assets | 56.7935% | 4,221 |
| Net loans and leases to deposits | 71.7043% | 3,750 |
| Net loans and leases to core deposits | 76.3795% | 3,722 |
| Total domestic deposits to total assets | 79.2052% | 4,931 |
| Equity capital to assets | 6.8220% | 6,074 |
| Core capital (leverage) ratio | 8.0207% | 5,827 |
| Tier 1 risk-based capital ratio | 12.9607% | 4,349 |
| Total risk-based capital ratio | 13.7124% | 4,546 |
| Memoranda: | ||
| Average total assets | $1,736,505,000 | 423 |
| Average earning assets | $1,611,210,200 | 412 |
| Average equity | $120,290,200 | 636 |
| Average total loans | $975,660,000 | 490 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4430% | 5,111 |
| Cost of funding earning assets | 0.4031% | 3,195 |
| Net interest margin | 3.0400% | 5,101 |
| Noninterest income to average assets | 2.9855% | 213 |
| Noninterest expense to average assets | 3.6756% | 1,013 |
| Loan and lease loss provision to assets | -0.0356% | 5,884 |
| Net operating income to assets | 1.4272% | 1,051 |
| Return on assets (ROA) | 1.4365% | 1,078 |
| Pretax return on assets | 2.1852% | 432 |
| Return on Equity (ROE) | 20.6555% | 239 |
| Retained earnings to average equity (ytd only) | 10.8061% | 503 |
| Net charge-offs to loans | -0.1271% | 5,874 |
| Credit loss provision to net charge-offs | 50.1092% | 3,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2678% | 4,370 |
| Assets per employee ($millions) | 4.1210% | 3,673 |
| Cash dividends to net income (ytd only)* | 47.6841% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 5,500 |
| Loan loss allowance to noncurrent loans | 239.2518% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 4,832 |
| Noncurrent loans to loans | 0.3374% | 4,403 |
| Net loans and leases to total assets | 55.8766% | 4,369 |
| Net loans and leases to deposits | 71.0711% | 3,869 |
| Net loans and leases to core deposits | 76.5216% | 3,737 |
| Total domestic deposits to total assets | 78.6207% | 5,065 |
| Equity capital to assets | 7.0415% | 6,148 |
| Core capital (leverage) ratio | 8.0660% | 5,865 |
| Tier 1 risk-based capital ratio | 13.2115% | 4,311 |
| Total risk-based capital ratio | 13.9762% | 4,504 |
| Memoranda: | ||
| Average total assets | $1,719,275,750 | 429 |
| Average earning assets | $1,596,030,500 | 418 |
| Average equity | $119,571,250 | 643 |
| Average total loans | $961,178,750 | 494 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4459% | 5,119 |
| Cost of funding earning assets | 0.4051% | 3,222 |
| Net interest margin | 3.0408% | 5,111 |
| Noninterest income to average assets | 2.9620% | 219 |
| Noninterest expense to average assets | 3.5467% | 1,222 |
| Loan and lease loss provision to assets | -0.0041% | 5,940 |
| Net operating income to assets | 1.4644% | 960 |
| Return on assets (ROA) | 1.4794% | 981 |
| Pretax return on assets | 2.2692% | 363 |
| Return on Equity (ROE) | 21.3636% | 221 |
| Retained earnings to average equity (ytd only) | 11.5856% | 437 |
| Net charge-offs to loans | -0.0597% | 5,610 |
| Credit loss provision to net charge-offs | 12.3675% | 3,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2868% | 4,787 |
| Assets per employee ($millions) | 3.9515% | 3,978 |
| Cash dividends to net income (ytd only)* | 45.7694% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 5,584 |
| Loan loss allowance to noncurrent loans | 254.2598% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 4,978 |
| Noncurrent loans to loans | 0.3175% | 4,557 |
| Net loans and leases to total assets | 55.8492% | 4,355 |
| Net loans and leases to deposits | 70.5301% | 3,871 |
| Net loans and leases to core deposits | 75.9821% | 3,769 |
| Total domestic deposits to total assets | 79.1849% | 5,056 |
| Equity capital to assets | 6.9358% | 6,201 |
| Core capital (leverage) ratio | 8.0240% | 5,917 |
| Tier 1 risk-based capital ratio | 13.2396% | 4,382 |
| Total risk-based capital ratio | 14.0033% | 4,568 |
| Memoranda: | ||
| Average total assets | $1,701,686,000 | 431 |
| Average earning assets | $1,579,803,670 | 418 |
| Average equity | $117,835,670 | 655 |
| Average total loans | $948,833,000 | 497 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4450% | 5,101 |
| Cost of funding earning assets | 0.4033% | 3,266 |
| Net interest margin | 3.0417% | 5,098 |
| Noninterest income to average assets | 3.2116% | 205 |
| Noninterest expense to average assets | 4.1124% | 609 |
| Loan and lease loss provision to assets | -0.0059% | 6,088 |
| Net operating income to assets | 1.2704% | 1,359 |
| Return on assets (ROA) | 1.2762% | 1,428 |
| Pretax return on assets | 1.9433% | 660 |
| Return on Equity (ROE) | 18.4445% | 354 |
| Retained earnings to average equity (ytd only) | 8.7619% | 1,284 |
| Net charge-offs to loans | -0.0499% | 5,512 |
| Credit loss provision to net charge-offs | 21.3675% | 2,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0918% | 3,809 |
| Assets per employee ($millions) | 3.9626% | 4,035 |
| Cash dividends to net income (ytd only)* | 52.4958% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 5,632 |
| Loan loss allowance to noncurrent loans | 254.8195% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2581% | 4,915 |
| Noncurrent loans to loans | 0.3234% | 4,631 |
| Net loans and leases to total assets | 54.5936% | 4,358 |
| Net loans and leases to deposits | 65.5453% | 4,193 |
| Net loans and leases to core deposits | 68.8345% | 4,253 |
| Total domestic deposits to total assets | 83.2914% | 4,085 |
| Equity capital to assets | 7.0379% | 6,255 |
| Core capital (leverage) ratio | 7.8721% | 6,000 |
| Tier 1 risk-based capital ratio | 13.2229% | 4,483 |
| Total risk-based capital ratio | 13.9971% | 4,677 |
| Memoranda: | ||
| Average total assets | $1,689,127,500 | 434 |
| Average earning assets | $1,569,240,000 | 421 |
| Average equity | $116,869,500 | 658 |
| Average total loans | $937,122,000 | 499 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 5,025 |
| Cost of funding earning assets | 0.4433% | 3,236 |
| Net interest margin | 3.1789% | 4,989 |
| Noninterest income to average assets | 2.9955% | 190 |
| Noninterest expense to average assets | 3.8935% | 865 |
| Loan and lease loss provision to assets | -0.0289% | 5,958 |
| Net operating income to assets | 1.3696% | 1,142 |
| Return on assets (ROA) | 1.3682% | 1,187 |
| Pretax return on assets | 2.0719% | 441 |
| Return on Equity (ROE) | 19.3779% | 287 |
| Retained earnings to average equity (ytd only) | 8.0535% | 1,005 |
| Net charge-offs to loans | -0.0781% | 6,055 |
| Credit loss provision to net charge-offs | 65.7821% | 3,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5874% | 4,319 |
| Assets per employee ($millions) | 3.9122% | 4,135 |
| Cash dividends to net income (ytd only)* | 58.4397% | 1,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 5,752 |
| Loan loss allowance to noncurrent loans | 247.9935% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.2629% | 4,976 |
| Noncurrent loans to loans | 0.3258% | 4,670 |
| Net loans and leases to total assets | 55.4638% | 4,396 |
| Net loans and leases to deposits | 68.3564% | 4,090 |
| Net loans and leases to core deposits | 74.0099% | 3,918 |
| Total domestic deposits to total assets | 81.1391% | 4,699 |
| Equity capital to assets | 6.7990% | 6,349 |
| Core capital (leverage) ratio | 7.8128% | 6,092 |
| Tier 1 risk-based capital ratio | 13.0361% | 4,708 |
| Total risk-based capital ratio | 13.8070% | 4,923 |
| Memoranda: | ||
| Average total assets | $1,632,054,600 | 432 |
| Average earning assets | $1,509,064,200 | 421 |
| Average equity | $115,229,400 | 630 |
| Average total loans | $917,072,200 | 487 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6543% | 4,988 |
| Cost of funding earning assets | 0.4508% | 3,237 |
| Net interest margin | 3.2034% | 4,955 |
| Noninterest income to average assets | 2.9640% | 191 |
| Noninterest expense to average assets | 3.8739% | 880 |
| Loan and lease loss provision to assets | -0.0436% | 6,166 |
| Net operating income to assets | 1.3925% | 1,148 |
| Return on assets (ROA) | 1.3861% | 1,200 |
| Pretax return on assets | 2.0888% | 468 |
| Return on Equity (ROE) | 19.4447% | 314 |
| Retained earnings to average equity (ytd only) | 10.1485% | 664 |
| Net charge-offs to loans | -0.0860% | 6,092 |
| Credit loss provision to net charge-offs | 89.9660% | 2,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3592% | 4,315 |
| Assets per employee ($millions) | 3.8103% | 4,268 |
| Cash dividends to net income (ytd only)* | 47.8083% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 5,841 |
| Loan loss allowance to noncurrent loans | 214.0589% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 4,995 |
| Noncurrent loans to loans | 0.3797% | 4,774 |
| Net loans and leases to total assets | 55.7456% | 4,363 |
| Net loans and leases to deposits | 67.3118% | 4,207 |
| Net loans and leases to core deposits | 71.4591% | 4,206 |
| Total domestic deposits to total assets | 82.8170% | 4,201 |
| Equity capital to assets | 7.4173% | 6,322 |
| Core capital (leverage) ratio | 7.9655% | 6,093 |
| Tier 1 risk-based capital ratio | 13.3450% | 4,647 |
| Total risk-based capital ratio | 14.1200% | 4,857 |
| Memoranda: | ||
| Average total assets | $1,619,505,000 | 436 |
| Average earning assets | $1,496,989,750 | 425 |
| Average equity | $115,442,750 | 623 |
| Average total loans | $911,179,750 | 485 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6696% | 4,950 |
| Cost of funding earning assets | 0.4542% | 3,283 |
| Net interest margin | 3.2154% | 4,894 |
| Noninterest income to average assets | 2.9636% | 191 |
| Noninterest expense to average assets | 3.8734% | 879 |
| Loan and lease loss provision to assets | 0.0022% | 4,172 |
| Net operating income to assets | 1.3769% | 1,122 |
| Return on assets (ROA) | 1.3710% | 1,172 |
| Pretax return on assets | 2.0556% | 483 |
| Return on Equity (ROE) | 19.4970% | 319 |
| Retained earnings to average equity (ytd only) | 10.2363% | 670 |
| Net charge-offs to loans | 0.0086% | 4,104 |
| Credit loss provision to net charge-offs | 46.1538% | 2,846 |
| Earnings coverage of net charge-offs (x) | 428.0256% | 163 |
| Efficiency ratio | 65.2309% | 4,481 |
| Assets per employee ($millions) | 4.1054% | 3,633 |
| Cash dividends to net income (ytd only)* | 47.4984% | 2,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 5,952 |
| Loan loss allowance to noncurrent loans | 523.5546% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 5,413 |
| Noncurrent loans to loans | 0.1545% | 5,549 |
| Net loans and leases to total assets | 55.1775% | 4,387 |
| Net loans and leases to deposits | 68.1398% | 4,035 |
| Net loans and leases to core deposits | 72.6153% | 3,983 |
| Total domestic deposits to total assets | 80.9770% | 4,988 |
| Equity capital to assets | 7.2977% | 6,390 |
| Core capital (leverage) ratio | 7.7889% | 6,213 |
| Tier 1 risk-based capital ratio | 13.0895% | 4,863 |
| Total risk-based capital ratio | 13.8604% | 5,082 |
| Memoranda: | ||
| Average total assets | $1,618,280,000 | 435 |
| Average earning assets | $1,496,181,000 | 428 |
| Average equity | $113,791,670 | 625 |
| Average total loans | $910,817,330 | 479 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6700% | 4,945 |
| Cost of funding earning assets | 0.4509% | 3,420 |
| Net interest margin | 3.2191% | 4,868 |
| Noninterest income to average assets | 2.9894% | 186 |
| Noninterest expense to average assets | 3.9204% | 834 |
| Loan and lease loss provision to assets | 0.0729% | 2,677 |
| Net operating income to assets | 1.3213% | 1,159 |
| Return on assets (ROA) | 1.3167% | 1,216 |
| Pretax return on assets | 1.9696% | 565 |
| Return on Equity (ROE) | 19.0908% | 350 |
| Retained earnings to average equity (ytd only) | 9.8547% | 1,004 |
| Net charge-offs to loans | 0.1047% | 2,130 |
| Credit loss provision to net charge-offs | 123.0126% | 1,433 |
| Earnings coverage of net charge-offs (x) | 34.5063% | 965 |
| Efficiency ratio | 65.7104% | 4,575 |
| Assets per employee ($millions) | 4.0672% | 3,787 |
| Cash dividends to net income (ytd only)* | 48.3798% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8084% | 6,083 |
| Loan loss allowance to noncurrent loans | 92.5440% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5022% | 4,642 |
| Noncurrent loans to loans | 0.8735% | 3,706 |
| Net loans and leases to total assets | 56.0275% | 4,140 |
| Net loans and leases to deposits | 67.6899% | 3,890 |
| Net loans and leases to core deposits | 69.9626% | 4,099 |
| Total domestic deposits to total assets | 82.7708% | 4,679 |
| Equity capital to assets | 6.9834% | 6,452 |
| Core capital (leverage) ratio | 7.6709% | 6,277 |
| Tier 1 risk-based capital ratio | 12.7006% | 5,186 |
| Total risk-based capital ratio | 13.4765% | 5,424 |
| Memoranda: | ||
| Average total assets | $1,612,490,000 | 439 |
| Average earning assets | $1,491,121,000 | 429 |
| Average equity | $111,216,000 | 643 |
| Average total loans | $912,900,500 | 480 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 4,737 |
| Cost of funding earning assets | 0.5129% | 3,474 |
| Net interest margin | 3.3080% | 4,633 |
| Noninterest income to average assets | 2.9533% | 232 |
| Noninterest expense to average assets | 3.9216% | 957 |
| Loan and lease loss provision to assets | -0.0569% | 6,403 |
| Net operating income to assets | 1.4187% | 993 |
| Return on assets (ROA) | 1.4234% | 1,018 |
| Pretax return on assets | 2.1416% | 347 |
| Return on Equity (ROE) | 21.3935% | 214 |
| Retained earnings to average equity (ytd only) | 5.1740% | 2,489 |
| Net charge-offs to loans | -0.1056% | 6,486 |
| Credit loss provision to net charge-offs | 97.0779% | 2,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4003% | 4,672 |
| Assets per employee ($millions) | 4.0256% | 3,814 |
| Cash dividends to net income (ytd only)* | 75.8150% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 6,150 |
| Loan loss allowance to noncurrent loans | 81.8242% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 4,522 |
| Noncurrent loans to loans | 0.9888% | 3,541 |
| Net loans and leases to total assets | 56.2871% | 4,273 |
| Net loans and leases to deposits | 69.4806% | 3,843 |
| Net loans and leases to core deposits | 71.8555% | 4,091 |
| Total domestic deposits to total assets | 81.0113% | 5,175 |
| Equity capital to assets | 6.8098% | 6,508 |
| Core capital (leverage) ratio | 7.5807% | 6,342 |
| Tier 1 risk-based capital ratio | 12.4727% | 5,308 |
| Total risk-based capital ratio | 13.2479% | 5,554 |
| Memoranda: | ||
| Average total assets | $1,575,300,200 | 441 |
| Average earning assets | $1,448,715,800 | 428 |
| Average equity | $104,812,400 | 678 |
| Average total loans | $875,056,400 | 475 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,819 |
| Cost of funding earning assets | 0.5264% | 3,506 |
| Net interest margin | 3.2838% | 4,702 |
| Noninterest income to average assets | 2.9659% | 242 |
| Noninterest expense to average assets | 3.9087% | 956 |
| Loan and lease loss provision to assets | -0.0226% | 6,497 |
| Net operating income to assets | 1.4153% | 1,069 |
| Return on assets (ROA) | 1.4273% | 1,096 |
| Pretax return on assets | 2.1180% | 459 |
| Return on Equity (ROE) | 21.5818% | 222 |
| Retained earnings to average equity (ytd only) | 4.2310% | 3,671 |
| Net charge-offs to loans | -0.0420% | 6,259 |
| Credit loss provision to net charge-offs | 97.4359% | 2,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3273% | 4,604 |
| Assets per employee ($millions) | 3.9834% | 3,867 |
| Cash dividends to net income (ytd only)* | 80.3954% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8180% | 6,242 |
| Loan loss allowance to noncurrent loans | 78.1923% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 4,581 |
| Noncurrent loans to loans | 1.0461% | 3,708 |
| Net loans and leases to total assets | 57.2563% | 4,129 |
| Net loans and leases to deposits | 71.1737% | 3,615 |
| Net loans and leases to core deposits | 73.7464% | 3,881 |
| Total domestic deposits to total assets | 80.4459% | 5,375 |
| Equity capital to assets | 6.5409% | 6,638 |
| Core capital (leverage) ratio | 7.5986% | 6,409 |
| Tier 1 risk-based capital ratio | 12.4401% | 5,490 |
| Total risk-based capital ratio | 13.2274% | 5,733 |
| Memoranda: | ||
| Average total assets | $1,568,583,000 | 441 |
| Average earning assets | $1,441,027,500 | 429 |
| Average equity | $103,739,250 | 693 |
| Average total loans | $866,527,750 | 483 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8066% | 4,807 |
| Cost of funding earning assets | 0.5398% | 3,504 |
| Net interest margin | 3.2667% | 4,702 |
| Noninterest income to average assets | 2.9597% | 260 |
| Noninterest expense to average assets | 3.8768% | 1,008 |
| Loan and lease loss provision to assets | -0.0812% | 6,689 |
| Net operating income to assets | 1.4147% | 1,048 |
| Return on assets (ROA) | 1.4263% | 1,113 |
| Pretax return on assets | 2.1840% | 430 |
| Return on Equity (ROE) | 21.4883% | 224 |
| Retained earnings to average equity (ytd only) | 5.2122% | 2,918 |
| Net charge-offs to loans | -0.1228% | 6,557 |
| Credit loss provision to net charge-offs | 121.4829% | 1,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0645% | 4,699 |
| Assets per employee ($millions) | 3.9371% | 3,944 |
| Cash dividends to net income (ytd only)* | 75.7441% | 1,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 6,306 |
| Loan loss allowance to noncurrent loans | 84.1222% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 4,862 |
| Noncurrent loans to loans | 0.9809% | 3,977 |
| Net loans and leases to total assets | 56.0556% | 4,279 |
| Net loans and leases to deposits | 70.5749% | 3,648 |
| Net loans and leases to core deposits | 72.7994% | 3,955 |
| Total domestic deposits to total assets | 79.4271% | 5,730 |
| Equity capital to assets | 6.4958% | 6,689 |
| Core capital (leverage) ratio | 7.4289% | 6,486 |
| Tier 1 risk-based capital ratio | 12.5684% | 5,456 |
| Total risk-based capital ratio | 13.3562% | 5,681 |
| Memoranda: | ||
| Average total assets | $1,573,598,000 | 438 |
| Average earning assets | $1,444,134,000 | 430 |
| Average equity | $104,447,330 | 687 |
| Average total loans | $856,425,330 | 485 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 4,771 |
| Cost of funding earning assets | 0.5500% | 3,569 |
| Net interest margin | 3.2668% | 4,642 |
| Noninterest income to average assets | 2.9315% | 262 |
| Noninterest expense to average assets | 3.8398% | 1,065 |
| Loan and lease loss provision to assets | -0.0101% | 6,738 |
| Net operating income to assets | 1.3682% | 1,105 |
| Return on assets (ROA) | 1.3943% | 1,128 |
| Pretax return on assets | 2.1251% | 468 |
| Return on Equity (ROE) | 20.7899% | 243 |
| Retained earnings to average equity (ytd only) | 1.9959% | 5,001 |
| Net charge-offs to loans | 0.0340% | 3,553 |
| Credit loss provision to net charge-offs | -55.5556% | 5,069 |
| Earnings coverage of net charge-offs (x) | 114.1389% | 340 |
| Efficiency ratio | 64.9552% | 4,830 |
| Assets per employee ($millions) | 4.0391% | 3,866 |
| Cash dividends to net income (ytd only)* | 90.3996% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 6,379 |
| Loan loss allowance to noncurrent loans | 79.7547% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 4,979 |
| Noncurrent loans to loans | 1.0575% | 4,027 |
| Net loans and leases to total assets | 52.9164% | 4,569 |
| Net loans and leases to deposits | 66.1744% | 4,030 |
| Net loans and leases to core deposits | 68.3805% | 4,254 |
| Total domestic deposits to total assets | 79.9650% | 5,759 |
| Equity capital to assets | 6.6209% | 6,776 |
| Core capital (leverage) ratio | 7.2548% | 6,561 |
| Tier 1 risk-based capital ratio | 12.4647% | 5,602 |
| Total risk-based capital ratio | 13.2622% | 5,865 |
| Memoranda: | ||
| Average total assets | $1,586,762,500 | 438 |
| Average earning assets | $1,447,399,000 | 432 |
| Average equity | $106,417,000 | 681 |
| Average total loans | $847,364,500 | 494 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 5,377 |
| Cost of funding earning assets | 0.6718% | 3,722 |
| Net interest margin | 3.3078% | 5,219 |
| Noninterest income to average assets | 2.3901% | 335 |
| Noninterest expense to average assets | 3.3975% | 2,054 |
| Loan and lease loss provision to assets | 0.0953% | 4,469 |
| Net operating income to assets | 1.2861% | 1,350 |
| Return on assets (ROA) | 1.2937% | 1,476 |
| Pretax return on assets | 1.9597% | 658 |
| Return on Equity (ROE) | 18.5137% | 400 |
| Retained earnings to average equity (ytd only) | -7.1121% | 6,535 |
| Net charge-offs to loans | 0.3816% | 2,730 |
| Credit loss provision to net charge-offs | 47.9254% | 4,743 |
| Earnings coverage of net charge-offs (x) | 10.2570% | 2,156 |
| Efficiency ratio | 62.4893% | 5,168 |
| Assets per employee ($millions) | 3.8575% | 4,254 |
| Cash dividends to net income (ytd only)* | 138.4151% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8735% | 6,335 |
| Loan loss allowance to noncurrent loans | 75.3470% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 4,821 |
| Noncurrent loans to loans | 1.1594% | 3,912 |
| Net loans and leases to total assets | 52.9717% | 4,766 |
| Net loans and leases to deposits | 67.4705% | 4,057 |
| Net loans and leases to core deposits | 69.7537% | 4,350 |
| Total domestic deposits to total assets | 78.5110% | 5,986 |
| Equity capital to assets | 6.7940% | 6,804 |
| Core capital (leverage) ratio | 7.2383% | 6,621 |
| Tier 1 risk-based capital ratio | 11.6665% | 5,983 |
| Total risk-based capital ratio | 12.4292% | 6,242 |
| Memoranda: | ||
| Average total assets | $1,563,636,400 | 434 |
| Average earning assets | $1,440,223,800 | 420 |
| Average equity | $109,265,000 | 650 |
| Average total loans | $814,779,000 | 504 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 5,525 |
| Cost of funding earning assets | 0.7010% | 3,768 |
| Net interest margin | 3.2964% | 5,403 |
| Noninterest income to average assets | 2.3342% | 338 |
| Noninterest expense to average assets | 3.3507% | 2,131 |
| Loan and lease loss provision to assets | -0.0077% | 6,952 |
| Net operating income to assets | 1.3321% | 1,373 |
| Return on assets (ROA) | 1.3491% | 1,474 |
| Pretax return on assets | 2.0614% | 612 |
| Return on Equity (ROE) | 19.1732% | 383 |
| Retained earnings to average equity (ytd only) | -8.7266% | 6,775 |
| Net charge-offs to loans | 0.0480% | 4,980 |
| Credit loss provision to net charge-offs | -30.9278% | 6,143 |
| Earnings coverage of net charge-offs (x) | 81.4846% | 507 |
| Efficiency ratio | 62.3422% | 5,096 |
| Assets per employee ($millions) | 3.8072% | 4,289 |
| Cash dividends to net income (ytd only)* | 145.5144% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0445% | 5,914 |
| Loan loss allowance to noncurrent loans | 70.4465% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 0.8271% | 4,636 |
| Noncurrent loans to loans | 1.4827% | 3,569 |
| Net loans and leases to total assets | 52.2502% | 5,012 |
| Net loans and leases to deposits | 68.2840% | 4,137 |
| Net loans and leases to core deposits | 70.7510% | 4,403 |
| Total domestic deposits to total assets | 76.5189% | 6,310 |
| Equity capital to assets | 7.0938% | 6,868 |
| Core capital (leverage) ratio | 7.4193% | 6,660 |
| Tier 1 risk-based capital ratio | 12.4425% | 5,682 |
| Total risk-based capital ratio | 13.3890% | 5,836 |
| Memoranda: | ||
| Average total assets | $1,562,041,750 | 433 |
| Average earning assets | $1,440,788,750 | 420 |
| Average equity | $109,914,500 | 649 |
| Average total loans | $808,725,500 | 504 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 5,592 |
| Cost of funding earning assets | 0.7122% | 3,920 |
| Net interest margin | 3.3070% | 5,419 |
| Noninterest income to average assets | 2.3142% | 325 |
| Noninterest expense to average assets | 3.3348% | 2,202 |
| Loan and lease loss provision to assets | -0.0243% | 7,048 |
| Net operating income to assets | 1.3497% | 1,312 |
| Return on assets (ROA) | 1.3809% | 1,380 |
| Pretax return on assets | 2.1096% | 572 |
| Return on Equity (ROE) | 19.6772% | 375 |
| Retained earnings to average equity (ytd only) | -3.9974% | 6,548 |
| Net charge-offs to loans | 0.0691% | 4,460 |
| Credit loss provision to net charge-offs | -68.3453% | 6,030 |
| Earnings coverage of net charge-offs (x) | 57.2554% | 663 |
| Efficiency ratio | 62.1123% | 5,230 |
| Assets per employee ($millions) | 4.5603% | 2,789 |
| Cash dividends to net income (ytd only)* | 120.3147% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 5,980 |
| Loan loss allowance to noncurrent loans | 72.5282% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 4,788 |
| Noncurrent loans to loans | 1.4419% | 3,753 |
| Net loans and leases to total assets | 52.2105% | 5,075 |
| Net loans and leases to deposits | 68.1806% | 4,165 |
| Net loans and leases to core deposits | 70.5737% | 4,460 |
| Total domestic deposits to total assets | 76.5768% | 6,391 |
| Equity capital to assets | 7.3180% | 6,843 |
| Core capital (leverage) ratio | 7.4573% | 6,640 |
| Tier 1 risk-based capital ratio | 13.0313% | 5,167 |
| Total risk-based capital ratio | 13.9727% | 5,369 |
| Memoranda: | ||
| Average total assets | $1,564,946,330 | 432 |
| Average earning assets | $1,445,620,670 | 422 |
| Average equity | $109,822,670 | 645 |
| Average total loans | $804,906,000 | 505 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 5,804 |
| Cost of funding earning assets | 0.7222% | 4,092 |
| Net interest margin | 3.2652% | 5,595 |
| Noninterest income to average assets | 2.2931% | 335 |
| Noninterest expense to average assets | 3.3707% | 2,086 |
| Loan and lease loss provision to assets | -0.0557% | 7,148 |
| Net operating income to assets | 1.3038% | 1,450 |
| Return on assets (ROA) | 1.2962% | 1,635 |
| Pretax return on assets | 1.9711% | 777 |
| Return on Equity (ROE) | 18.8642% | 469 |
| Retained earnings to average equity (ytd only) | -29.0612% | 7,126 |
| Net charge-offs to loans | 0.0479% | 4,032 |
| Credit loss provision to net charge-offs | -229.1667% | 5,626 |
| Earnings coverage of net charge-offs (x) | 79.0729% | 423 |
| Efficiency ratio | 63.6742% | 4,986 |
| Assets per employee ($millions) | 4.7270% | 2,621 |
| Cash dividends to net income (ytd only)* | 254.0551% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 6,010 |
| Loan loss allowance to noncurrent loans | 66.4179% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 0.8299% | 4,874 |
| Noncurrent loans to loans | 1.6107% | 3,701 |
| Net loans and leases to total assets | 50.1031% | 5,286 |
| Net loans and leases to deposits | 66.0188% | 4,379 |
| Net loans and leases to core deposits | 68.4588% | 4,636 |
| Total domestic deposits to total assets | 75.8922% | 6,556 |
| Equity capital to assets | 6.5703% | 7,000 |
| Core capital (leverage) ratio | 7.2016% | 6,767 |
| Tier 1 risk-based capital ratio | 12.3373% | 5,726 |
| Total risk-based capital ratio | 13.2917% | 5,919 |
| Memoranda: | ||
| Average total assets | $1,579,017,000 | 430 |
| Average earning assets | $1,451,046,500 | 419 |
| Average equity | $108,502,000 | 652 |
| Average total loans | $801,932,000 | 503 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3201% | 5,699 |
| Cost of funding earning assets | 0.8359% | 4,576 |
| Net interest margin | 3.4842% | 5,206 |
| Noninterest income to average assets | 2.3097% | 303 |
| Noninterest expense to average assets | 3.2515% | 2,685 |
| Loan and lease loss provision to assets | 0.3040% | 3,235 |
| Net operating income to assets | 1.3333% | 1,171 |
| Return on assets (ROA) | 1.3317% | 1,263 |
| Pretax return on assets | 2.0184% | 513 |
| Return on Equity (ROE) | 17.6100% | 416 |
| Retained earnings to average equity (ytd only) | 5.8974% | 2,077 |
| Net charge-offs to loans | 0.7178% | 2,363 |
| Credit loss provision to net charge-offs | 81.3439% | 4,391 |
| Earnings coverage of net charge-offs (x) | 6.2088% | 2,561 |
| Efficiency ratio | 58.3519% | 6,004 |
| Assets per employee ($millions) | 4.6717% | 2,648 |
| Cash dividends to net income (ytd only)* | 66.5111% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1226% | 5,728 |
| Loan loss allowance to noncurrent loans | 67.2378% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 4,896 |
| Noncurrent loans to loans | 1.6696% | 3,657 |
| Net loans and leases to total assets | 50.3595% | 5,541 |
| Net loans and leases to deposits | 68.3059% | 4,397 |
| Net loans and leases to core deposits | 70.7488% | 4,678 |
| Total domestic deposits to total assets | 73.7264% | 6,746 |
| Equity capital to assets | 7.1781% | 6,915 |
| Core capital (leverage) ratio | 7.9091% | 6,348 |
| Tier 1 risk-based capital ratio | 13.1718% | 4,937 |
| Total risk-based capital ratio | 14.1608% | 5,120 |
| Memoranda: | ||
| Average total assets | $1,512,916,600 | 440 |
| Average earning assets | $1,416,678,000 | 423 |
| Average equity | $114,406,600 | 604 |
| Average total loans | $787,781,600 | 519 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3910% | 5,634 |
| Cost of funding earning assets | 0.8668% | 4,657 |
| Net interest margin | 3.5242% | 5,083 |
| Noninterest income to average assets | 2.3290% | 296 |
| Noninterest expense to average assets | 3.2794% | 2,560 |
| Loan and lease loss provision to assets | 0.3845% | 2,551 |
| Net operating income to assets | 1.3062% | 1,363 |
| Return on assets (ROA) | 1.3106% | 1,436 |
| Pretax return on assets | 1.9763% | 655 |
| Return on Equity (ROE) | 17.1042% | 554 |
| Retained earnings to average equity (ytd only) | 5.3286% | 2,968 |
| Net charge-offs to loans | 0.9345% | 1,723 |
| Credit loss provision to net charge-offs | 78.5649% | 4,188 |
| Earnings coverage of net charge-offs (x) | 4.8024% | 2,958 |
| Efficiency ratio | 58.2539% | 5,971 |
| Assets per employee ($millions) | 4.4871% | 2,941 |
| Cash dividends to net income (ytd only)* | 68.8463% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,890 |
| Loan loss allowance to noncurrent loans | 59.7899% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9937% | 4,768 |
| Noncurrent loans to loans | 1.8402% | 3,581 |
| Net loans and leases to total assets | 52.5978% | 5,375 |
| Net loans and leases to deposits | 71.4802% | 4,067 |
| Net loans and leases to core deposits | 74.5775% | 4,370 |
| Total domestic deposits to total assets | 73.5837% | 6,805 |
| Equity capital to assets | 8.0140% | 6,689 |
| Core capital (leverage) ratio | 8.0680% | 6,323 |
| Tier 1 risk-based capital ratio | 13.1623% | 4,979 |
| Total risk-based capital ratio | 14.1564% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,499,890,750 | 446 |
| Average earning assets | $1,404,646,000 | 426 |
| Average equity | $114,923,750 | 605 |
| Average total loans | $785,456,000 | 527 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 5,561 |
| Cost of funding earning assets | 0.8888% | 4,764 |
| Net interest margin | 3.5484% | 4,925 |
| Noninterest income to average assets | 2.3725% | 289 |
| Noninterest expense to average assets | 3.3274% | 2,468 |
| Loan and lease loss provision to assets | 0.2030% | 3,895 |
| Net operating income to assets | 1.4264% | 1,033 |
| Return on assets (ROA) | 1.4308% | 1,078 |
| Pretax return on assets | 2.1687% | 434 |
| Return on Equity (ROE) | 18.9665% | 390 |
| Retained earnings to average equity (ytd only) | 6.7495% | 1,987 |
| Net charge-offs to loans | 0.3228% | 3,268 |
| Credit loss provision to net charge-offs | 120.7307% | 2,527 |
| Earnings coverage of net charge-offs (x) | 14.0389% | 1,505 |
| Efficiency ratio | 58.4957% | 6,099 |
| Assets per employee ($millions) | 4.3409% | 3,096 |
| Cash dividends to net income (ytd only)* | 64.4137% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 4,994 |
| Loan loss allowance to noncurrent loans | 58.6189% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 4,443 |
| Noncurrent loans to loans | 2.2420% | 3,169 |
| Net loans and leases to total assets | 52.8372% | 5,457 |
| Net loans and leases to deposits | 72.5040% | 4,038 |
| Net loans and leases to core deposits | 75.6471% | 4,364 |
| Total domestic deposits to total assets | 72.8749% | 6,939 |
| Equity capital to assets | 8.1021% | 6,597 |
| Core capital (leverage) ratio | 7.9547% | 6,353 |
| Tier 1 risk-based capital ratio | 13.2369% | 4,737 |
| Total risk-based capital ratio | 14.4085% | 4,777 |
| Memoranda: | ||
| Average total assets | $1,497,303,000 | 453 |
| Average earning assets | $1,399,147,000 | 437 |
| Average equity | $112,957,000 | 617 |
| Average total loans | $780,003,000 | 541 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3923% | 5,724 |
| Cost of funding earning assets | 0.9022% | 4,904 |
| Net interest margin | 3.4901% | 5,055 |
| Noninterest income to average assets | 2.3939% | 286 |
| Noninterest expense to average assets | 3.2940% | 2,577 |
| Loan and lease loss provision to assets | 0.2862% | 2,860 |
| Net operating income to assets | 1.3785% | 1,097 |
| Return on assets (ROA) | 1.3952% | 1,112 |
| Pretax return on assets | 2.1025% | 468 |
| Return on Equity (ROE) | 19.1755% | 389 |
| Retained earnings to average equity (ytd only) | 5.9448% | 2,673 |
| Net charge-offs to loans | 0.3151% | 2,791 |
| Credit loss provision to net charge-offs | 176.7101% | 1,652 |
| Earnings coverage of net charge-offs (x) | 14.5700% | 1,360 |
| Efficiency ratio | 58.2665% | 6,233 |
| Assets per employee ($millions) | 4.4736% | 2,938 |
| Cash dividends to net income (ytd only)* | 68.9981% | 1,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 4,946 |
| Loan loss allowance to noncurrent loans | 55.0689% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 4,391 |
| Noncurrent loans to loans | 2.4332% | 3,061 |
| Net loans and leases to total assets | 51.1481% | 5,696 |
| Net loans and leases to deposits | 68.7386% | 4,564 |
| Net loans and leases to core deposits | 71.7127% | 4,824 |
| Total domestic deposits to total assets | 74.4096% | 6,866 |
| Equity capital to assets | 7.3968% | 6,925 |
| Core capital (leverage) ratio | 7.6147% | 6,640 |
| Tier 1 risk-based capital ratio | 12.7408% | 5,023 |
| Total risk-based capital ratio | 13.9152% | 5,076 |
| Memoranda: | ||
| Average total assets | $1,516,682,500 | 450 |
| Average earning assets | $1,416,480,500 | 434 |
| Average equity | $110,349,000 | 625 |
| Average total loans | $779,546,000 | 552 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 5,769 |
| Cost of funding earning assets | 1.0970% | 5,150 |
| Net interest margin | 3.6151% | 4,743 |
| Noninterest income to average assets | 2.1559% | 352 |
| Noninterest expense to average assets | 3.2927% | 2,762 |
| Loan and lease loss provision to assets | 0.1618% | 5,597 |
| Net operating income to assets | 1.3524% | 1,043 |
| Return on assets (ROA) | 1.3457% | 1,138 |
| Pretax return on assets | 2.0720% | 414 |
| Return on Equity (ROE) | 18.5085% | 342 |
| Retained earnings to average equity (ytd only) | 2.2205% | 4,334 |
| Net charge-offs to loans | 0.1812% | 5,227 |
| Credit loss provision to net charge-offs | 173.0633% | 1,945 |
| Earnings coverage of net charge-offs (x) | 23.9588% | 883 |
| Efficiency ratio | 59.5172% | 6,119 |
| Assets per employee ($millions) | 4.4613% | 2,936 |
| Cash dividends to net income (ytd only)* | 88.0030% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 5,072 |
| Loan loss allowance to noncurrent loans | 54.3410% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 4,594 |
| Noncurrent loans to loans | 2.3673% | 3,153 |
| Net loans and leases to total assets | 50.3031% | 6,140 |
| Net loans and leases to deposits | 70.2708% | 4,784 |
| Net loans and leases to core deposits | 73.5594% | 5,033 |
| Total domestic deposits to total assets | 71.5847% | 7,126 |
| Equity capital to assets | 7.1560% | 7,060 |
| Core capital (leverage) ratio | 7.4914% | 6,713 |
| Tier 1 risk-based capital ratio | 12.5337% | 4,996 |
| Total risk-based capital ratio | 13.6551% | 5,088 |
| Memoranda: | ||
| Average total assets | $1,505,129,400 | 451 |
| Average earning assets | $1,405,816,600 | 441 |
| Average equity | $109,436,400 | 615 |
| Average total loans | $776,537,000 | 559 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7852% | 5,721 |
| Cost of funding earning assets | 1.1242% | 5,288 |
| Net interest margin | 3.6611% | 4,590 |
| Noninterest income to average assets | 2.1399% | 343 |
| Noninterest expense to average assets | 3.2781% | 2,646 |
| Loan and lease loss provision to assets | 0.1636% | 5,403 |
| Net operating income to assets | 1.4061% | 1,091 |
| Return on assets (ROA) | 1.3999% | 1,177 |
| Pretax return on assets | 2.1153% | 487 |
| Return on Equity (ROE) | 19.1764% | 377 |
| Retained earnings to average equity (ytd only) | 3.5603% | 3,944 |
| Net charge-offs to loans | 0.0775% | 5,747 |
| Credit loss provision to net charge-offs | 407.9823% | 737 |
| Earnings coverage of net charge-offs (x) | 56.9755% | 507 |
| Efficiency ratio | 58.9357% | 6,116 |
| Assets per employee ($millions) | 4.4054% | 3,071 |
| Cash dividends to net income (ytd only)* | 81.4337% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,735 |
| Loan loss allowance to noncurrent loans | 44.8246% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 1.5492% | 4,123 |
| Noncurrent loans to loans | 2.9998% | 2,656 |
| Net loans and leases to total assets | 50.6119% | 6,262 |
| Net loans and leases to deposits | 72.9520% | 4,701 |
| Net loans and leases to core deposits | 76.5962% | 4,979 |
| Total domestic deposits to total assets | 69.3769% | 7,306 |
| Equity capital to assets | 7.6507% | 7,030 |
| Core capital (leverage) ratio | 7.7764% | 6,595 |
| Tier 1 risk-based capital ratio | 12.8123% | 4,725 |
| Total risk-based capital ratio | 13.9970% | 4,758 |
| Memoranda: | ||
| Average total assets | $1,499,974,250 | 451 |
| Average earning assets | $1,402,144,750 | 437 |
| Average equity | $109,500,000 | 602 |
| Average total loans | $776,295,750 | 557 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 5,590 |
| Cost of funding earning assets | 1.1499% | 5,406 |
| Net interest margin | 3.7058% | 4,335 |
| Noninterest income to average assets | 2.1164% | 327 |
| Noninterest expense to average assets | 3.2821% | 2,619 |
| Loan and lease loss provision to assets | 0.0994% | 5,915 |
| Net operating income to assets | 1.4518% | 985 |
| Return on assets (ROA) | 1.4497% | 1,058 |
| Pretax return on assets | 2.1985% | 407 |
| Return on Equity (ROE) | 20.1822% | 308 |
| Retained earnings to average equity (ytd only) | 4.5817% | 3,161 |
| Net charge-offs to loans | 0.0912% | 5,224 |
| Credit loss provision to net charge-offs | 209.8592% | 1,854 |
| Earnings coverage of net charge-offs (x) | 48.5014% | 614 |
| Efficiency ratio | 58.8293% | 6,256 |
| Assets per employee ($millions) | 4.1994% | 3,384 |
| Cash dividends to net income (ytd only)* | 77.2982% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 5,399 |
| Loan loss allowance to noncurrent loans | 80.0753% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8131% | 5,496 |
| Noncurrent loans to loans | 1.5111% | 4,441 |
| Net loans and leases to total assets | 52.4650% | 6,163 |
| Net loans and leases to deposits | 73.5485% | 4,748 |
| Net loans and leases to core deposits | 77.9319% | 4,963 |
| Total domestic deposits to total assets | 71.3338% | 7,235 |
| Equity capital to assets | 7.7423% | 6,969 |
| Core capital (leverage) ratio | 7.5629% | 6,766 |
| Tier 1 risk-based capital ratio | 12.8949% | 4,528 |
| Total risk-based capital ratio | 13.9799% | 4,632 |
| Memoranda: | ||
| Average total assets | $1,499,215,670 | 452 |
| Average earning assets | $1,400,842,000 | 439 |
| Average equity | $107,689,000 | 606 |
| Average total loans | $778,167,670 | 564 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8283% | 5,769 |
| Cost of funding earning assets | 1.1719% | 5,546 |
| Net interest margin | 3.6564% | 4,452 |
| Noninterest income to average assets | 2.0652% | 330 |
| Noninterest expense to average assets | 3.2140% | 2,806 |
| Loan and lease loss provision to assets | 0.1500% | 5,047 |
| Net operating income to assets | 1.3995% | 1,075 |
| Return on assets (ROA) | 1.4008% | 1,144 |
| Pretax return on assets | 2.1242% | 480 |
| Return on Equity (ROE) | 20.2582% | 366 |
| Retained earnings to average equity (ytd only) | 5.1330% | 3,078 |
| Net charge-offs to loans | 0.0871% | 4,551 |
| Credit loss provision to net charge-offs | 335.2941% | 1,190 |
| Earnings coverage of net charge-offs (x) | 50.7059% | 570 |
| Efficiency ratio | 58.6273% | 6,388 |
| Assets per employee ($millions) | 4.5195% | 2,920 |
| Cash dividends to net income (ytd only)* | 74.6619% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 5,442 |
| Loan loss allowance to noncurrent loans | 83.1840% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 5,660 |
| Noncurrent loans to loans | 1.4573% | 4,559 |
| Net loans and leases to total assets | 49.7140% | 6,495 |
| Net loans and leases to deposits | 71.0072% | 5,199 |
| Net loans and leases to core deposits | 75.6474% | 5,303 |
| Total domestic deposits to total assets | 70.0126% | 7,406 |
| Equity capital to assets | 6.9333% | 7,401 |
| Core capital (leverage) ratio | 7.3733% | 6,965 |
| Tier 1 risk-based capital ratio | 12.3533% | 4,865 |
| Total risk-based capital ratio | 13.4057% | 5,001 |
| Memoranda: | ||
| Average total assets | $1,520,221,000 | 461 |
| Average earning assets | $1,420,638,000 | 443 |
| Average equity | $105,123,000 | 629 |
| Average total loans | $780,308,500 | 581 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2079% | 5,617 |
| Cost of funding earning assets | 1.4138% | 5,875 |
| Net interest margin | 3.7941% | 3,735 |
| Noninterest income to average assets | 2.2208% | 323 |
| Noninterest expense to average assets | 3.4023% | 2,674 |
| Loan and lease loss provision to assets | 0.1653% | 6,037 |
| Net operating income to assets | 1.4451% | 775 |
| Return on assets (ROA) | 1.4342% | 851 |
| Pretax return on assets | 2.1785% | 288 |
| Return on Equity (ROE) | 21.7691% | 173 |
| Retained earnings to average equity (ytd only) | 16.2639% | 74 |
| Net charge-offs to loans | 0.0656% | 6,456 |
| Credit loss provision to net charge-offs | 457.6772% | 680 |
| Earnings coverage of net charge-offs (x) | 65.2185% | 417 |
| Efficiency ratio | 59.0844% | 6,611 |
| Assets per employee ($millions) | 4.4756% | 2,968 |
| Cash dividends to net income (ytd only)* | 25.2888% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 5,690 |
| Loan loss allowance to noncurrent loans | 77.8925% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 5,546 |
| Noncurrent loans to loans | 1.4633% | 4,475 |
| Net loans and leases to total assets | 51.7584% | 6,450 |
| Net loans and leases to deposits | 70.9594% | 5,478 |
| Net loans and leases to core deposits | 77.8895% | 6,266 |
| Total domestic deposits to total assets | 72.9409% | 7,162 |
| Equity capital to assets | 6.8963% | 7,416 |
| Core capital (leverage) ratio | 7.4018% | 6,882 |
| Tier 1 risk-based capital ratio | 12.2305% | 4,742 |
| Total risk-based capital ratio | 13.2423% | 4,908 |
| Memoranda: | ||
| Average total assets | $1,406,191,000 | 484 |
| Average earning assets | $1,311,145,600 | 471 |
| Average equity | $92,640,600 | 700 |
| Average total loans | $774,375,800 | 592 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2569% | 5,649 |
| Cost of funding earning assets | 1.4460% | 6,053 |
| Net interest margin | 3.8110% | 3,612 |
| Noninterest income to average assets | 2.2207% | 317 |
| Noninterest expense to average assets | 3.3966% | 2,586 |
| Loan and lease loss provision to assets | 0.1771% | 5,592 |
| Net operating income to assets | 1.4535% | 906 |
| Return on assets (ROA) | 1.4395% | 1,005 |
| Pretax return on assets | 2.1846% | 368 |
| Return on Equity (ROE) | 22.1312% | 201 |
| Retained earnings to average equity (ytd only) | 14.5652% | 173 |
| Net charge-offs to loans | 0.0577% | 6,126 |
| Credit loss provision to net charge-offs | 549.4012% | 714 |
| Earnings coverage of net charge-offs (x) | 73.7998% | 457 |
| Efficiency ratio | 58.8154% | 6,590 |
| Assets per employee ($millions) | 4.3049% | 3,203 |
| Cash dividends to net income (ytd only)* | 34.1869% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0991% | 5,730 |
| Loan loss allowance to noncurrent loans | 76.5450% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.7797% | 5,564 |
| Noncurrent loans to loans | 1.4360% | 4,517 |
| Net loans and leases to total assets | 53.6990% | 6,419 |
| Net loans and leases to deposits | 75.2972% | 5,161 |
| Net loans and leases to core deposits | 82.3714% | 6,158 |
| Total domestic deposits to total assets | 71.3161% | 7,302 |
| Equity capital to assets | 6.8718% | 7,653 |
| Core capital (leverage) ratio | 7.5164% | 6,950 |
| Tier 1 risk-based capital ratio | 11.7616% | 5,187 |
| Total risk-based capital ratio | 12.7496% | 5,382 |
| Memoranda: | ||
| Average total assets | $1,381,784,500 | 509 |
| Average earning assets | $1,288,709,750 | 488 |
| Average equity | $89,874,000 | 729 |
| Average total loans | $771,138,500 | 611 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3362% | 5,465 |
| Cost of funding earning assets | 1.4897% | 6,186 |
| Net interest margin | 3.8465% | 3,350 |
| Noninterest income to average assets | 2.2501% | 310 |
| Noninterest expense to average assets | 3.4597% | 2,462 |
| Loan and lease loss provision to assets | 0.1554% | 5,517 |
| Net operating income to assets | 1.4721% | 894 |
| Return on assets (ROA) | 1.4651% | 970 |
| Pretax return on assets | 2.2280% | 338 |
| Return on Equity (ROE) | 22.9882% | 197 |
| Retained earnings to average equity (ytd only) | 11.2100% | 537 |
| Net charge-offs to loans | 0.0530% | 5,749 |
| Credit loss provision to net charge-offs | 520.1970% | 889 |
| Earnings coverage of net charge-offs (x) | 79.9704% | 478 |
| Efficiency ratio | 59.1484% | 6,671 |
| Assets per employee ($millions) | 4.0359% | 3,609 |
| Cash dividends to net income (ytd only)* | 51.2357% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 5,904 |
| Loan loss allowance to noncurrent loans | 72.9949% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.8043% | 5,384 |
| Noncurrent loans to loans | 1.4401% | 4,337 |
| Net loans and leases to total assets | 55.2656% | 6,307 |
| Net loans and leases to deposits | 76.6001% | 5,084 |
| Net loans and leases to core deposits | 84.5048% | 6,051 |
| Total domestic deposits to total assets | 72.1482% | 7,225 |
| Equity capital to assets | 6.5515% | 7,806 |
| Core capital (leverage) ratio | 7.0782% | 7,480 |
| Tier 1 risk-based capital ratio | 11.3862% | 5,510 |
| Total risk-based capital ratio | 12.3266% | 5,721 |
| Memoranda: | ||
| Average total assets | $1,358,794,000 | 525 |
| Average earning assets | $1,271,390,670 | 504 |
| Average equity | $86,601,000 | 759 |
| Average total loans | $765,618,000 | 633 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 5,761 |
| Cost of funding earning assets | 1.5226% | 6,332 |
| Net interest margin | 3.8064% | 3,420 |
| Noninterest income to average assets | 2.1936% | 307 |
| Noninterest expense to average assets | 3.3658% | 2,454 |
| Loan and lease loss provision to assets | 0.1395% | 5,167 |
| Net operating income to assets | 1.4760% | 981 |
| Return on assets (ROA) | 1.4671% | 1,078 |
| Pretax return on assets | 2.2461% | 400 |
| Return on Equity (ROE) | 23.3479% | 244 |
| Retained earnings to average equity (ytd only) | -0.5914% | 5,783 |
| Net charge-offs to loans | 0.0672% | 4,527 |
| Credit loss provision to net charge-offs | 366.6667% | 1,389 |
| Earnings coverage of net charge-offs (x) | 62.9302% | 626 |
| Efficiency ratio | 58.4311% | 6,631 |
| Assets per employee ($millions) | 4.2711% | 3,128 |
| Cash dividends to net income (ytd only)* | 102.5332% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 6,321 |
| Loan loss allowance to noncurrent loans | 110.0337% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4881% | 6,008 |
| Noncurrent loans to loans | 0.8892% | 5,224 |
| Net loans and leases to total assets | 54.3528% | 6,425 |
| Net loans and leases to deposits | 76.1543% | 5,200 |
| Net loans and leases to core deposits | 84.4659% | 6,026 |
| Total domestic deposits to total assets | 71.3720% | 7,293 |
| Equity capital to assets | 6.1486% | 7,969 |
| Core capital (leverage) ratio | 6.7962% | 7,767 |
| Tier 1 risk-based capital ratio | 10.7252% | 6,161 |
| Total risk-based capital ratio | 11.6011% | 6,456 |
| Memoranda: | ||
| Average total assets | $1,356,117,000 | 528 |
| Average earning assets | $1,270,704,500 | 511 |
| Average equity | $85,215,500 | 776 |
| Average total loans | $767,470,500 | 639 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 6,629 |
| Cost of funding earning assets | 2.1431% | 5,866 |
| Net interest margin | 3.5989% | 4,895 |
| Noninterest income to average assets | 2.3289% | 278 |
| Noninterest expense to average assets | 3.3259% | 2,877 |
| Loan and lease loss provision to assets | 0.1398% | 5,568 |
| Net operating income to assets | 1.4583% | 1,109 |
| Return on assets (ROA) | 1.4734% | 1,030 |
| Pretax return on assets | 2.2153% | 387 |
| Return on Equity (ROE) | 23.1863% | 202 |
| Retained earnings to average equity (ytd only) | 6.6610% | 1,276 |
| Net charge-offs to loans | 0.0752% | 5,685 |
| Credit loss provision to net charge-offs | 338.6233% | 1,340 |
| Earnings coverage of net charge-offs (x) | 56.4857% | 701 |
| Efficiency ratio | 58.7776% | 6,563 |
| Assets per employee ($millions) | 4.0232% | 3,461 |
| Cash dividends to net income (ytd only)* | 71.2716% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 6,497 |
| Loan loss allowance to noncurrent loans | 104.4208% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5210% | 5,616 |
| Noncurrent loans to loans | 0.8921% | 4,836 |
| Net loans and leases to total assets | 57.8575% | 6,219 |
| Net loans and leases to deposits | 86.0130% | 4,116 |
| Net loans and leases to core deposits | 95.8825% | 5,269 |
| Total domestic deposits to total assets | 67.2659% | 7,540 |
| Equity capital to assets | 6.4273% | 7,961 |
| Core capital (leverage) ratio | 7.1061% | 7,610 |
| Tier 1 risk-based capital ratio | 11.1291% | 5,617 |
| Total risk-based capital ratio | 11.9972% | 5,869 |
| Memoranda: | ||
| Average total assets | $1,266,500,600 | 536 |
| Average earning assets | $1,171,727,200 | 528 |
| Average equity | $80,483,000 | 828 |
| Average total loans | $695,327,200 | 684 |