Home > WestStar Bank > Performance and Condition Ratios
WestStar 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 | 4.8730% | 2,340 |
| Cost of funding earning assets | 1.4943% | 1,960 |
| Net interest margin | 3.3787% | 2,451 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.0859% | 3,441 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.7461% | 668 |
| Return on assets (ROA) | 1.6573% | 757 |
| Pretax return on assets | 1.6573% | 1,139 |
| Return on Equity (ROE) | 19.3400% | 677 |
| Retained earnings to average equity (ytd only) | 16.1781% | 257 |
| Net charge-offs to loans | -0.0012% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.7560% | 3,854 |
| Assets per employee ($millions) | 9.1397% | 940 |
| Cash dividends to net income (ytd only)* | 16.3409% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 3,397 |
| Loan loss allowance to noncurrent loans | 1,972.7518% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 3,387 |
| Noncurrent loans to loans | 0.0498% | 3,368 |
| Net loans and leases to total assets | 72.3700% | 1,536 |
| Net loans and leases to deposits | 90.8358% | 1,200 |
| Net loans and leases to core deposits | 101.8851% | 1,335 |
| Total domestic deposits to total assets | 79.6700% | 3,515 |
| Equity capital to assets | 9.2095% | 2,532 |
| Core capital (leverage) ratio | 10.5553% | 2,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5963% | 2,381 |
| Memoranda: | ||
| Average total assets | $2,879,870,400 | 407 |
| Average earning assets | $2,690,155,400 | 397 |
| Average equity | $246,803,200 | 455 |
| Average total loans | $2,001,103,000 | 403 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 2,316 |
| Cost of funding earning assets | 1.3434% | 2,021 |
| Net interest margin | 3.4330% | 2,385 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 2.1050% | 3,346 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.7987% | 674 |
| Return on assets (ROA) | 1.7975% | 666 |
| Pretax return on assets | 1.7975% | 1,013 |
| Return on Equity (ROE) | 21.4000% | 603 |
| Retained earnings to average equity (ytd only) | 17.0387% | 388 |
| Net charge-offs to loans | 0.0011% | 2,584 |
| Credit loss provision to net charge-offs | 23,087.5000% | 12 |
| Earnings coverage of net charge-offs (x) | 2,623.0625% | 46 |
| Efficiency ratio | 51.3187% | 3,807 |
| Assets per employee ($millions) | 8.8089% | 1,001 |
| Cash dividends to net income (ytd only)* | 20.3938% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,530 |
| Loan loss allowance to noncurrent loans | 73,025.0000% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 3,878 |
| Noncurrent loans to loans | 0.0013% | 3,821 |
| Net loans and leases to total assets | 70.8900% | 1,718 |
| Net loans and leases to deposits | 90.2048% | 1,224 |
| Net loans and leases to core deposits | 98.0100% | 1,444 |
| Total domestic deposits to total assets | 78.5800% | 3,755 |
| Equity capital to assets | 8.0397% | 3,031 |
| Core capital (leverage) ratio | 10.5534% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4688% | 2,459 |
| Memoranda: | ||
| Average total assets | $2,836,670,750 | 414 |
| Average earning assets | $2,645,820,000 | 405 |
| Average equity | $238,220,250 | 468 |
| Average total loans | $1,943,618,750 | 413 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 2,211 |
| Cost of funding earning assets | 1.2111% | 1,951 |
| Net interest margin | 3.4866% | 2,294 |
| Noninterest income to average assets | 0.8400% | 788 |
| Noninterest expense to average assets | 2.1374% | 3,245 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 1.8424% | 613 |
| Return on assets (ROA) | 1.8424% | 611 |
| Pretax return on assets | 1.8424% | 946 |
| Return on Equity (ROE) | 21.6100% | 570 |
| Retained earnings to average equity (ytd only) | 17.5987% | 365 |
| Net charge-offs to loans | 0.0010% | 2,396 |
| Credit loss provision to net charge-offs | 21,211.1111% | 26 |
| Earnings coverage of net charge-offs (x) | 3,022.1111% | 35 |
| Efficiency ratio | 51.9846% | 3,775 |
| Assets per employee ($millions) | 8.2851% | 1,195 |
| Cash dividends to net income (ytd only)* | 18.5649% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9682% | 3,541 |
| Loan loss allowance to noncurrent loans | 23,934.6154% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.0028% | 3,865 |
| Noncurrent loans to loans | 0.0040% | 3,792 |
| Net loans and leases to total assets | 67.7900% | 1,980 |
| Net loans and leases to deposits | 78.7915% | 2,065 |
| Net loans and leases to core deposits | 84.7728% | 2,159 |
| Total domestic deposits to total assets | 86.0400% | 2,215 |
| Equity capital to assets | 8.7747% | 2,675 |
| Core capital (leverage) ratio | 10.6537% | 2,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0141% | 2,291 |
| Memoranda: | ||
| Average total assets | $2,789,761,667 | 408 |
| Average earning assets | $2,599,010,000 | 398 |
| Average equity | $237,835,333 | 459 |
| Average total loans | $1,881,146,333 | 410 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 1,976 |
| Cost of funding earning assets | 1.0794% | 1,813 |
| Net interest margin | 3.5682% | 2,199 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.2150% | 3,065 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.7980% | 673 |
| Return on assets (ROA) | 1.8000% | 659 |
| Pretax return on assets | 1.8000% | 1,067 |
| Return on Equity (ROE) | 21.4300% | 626 |
| Retained earnings to average equity (ytd only) | 17.7437% | 532 |
| Net charge-offs to loans | -0.0004% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.4403% | 3,660 |
| Assets per employee ($millions) | 8.1480% | 1,265 |
| Cash dividends to net income (ytd only)* | 17.2096% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,763 |
| Loan loss allowance to noncurrent loans | 4,298.7562% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 3,704 |
| Noncurrent loans to loans | 0.0218% | 3,619 |
| Net loans and leases to total assets | 66.2900% | 2,031 |
| Net loans and leases to deposits | 74.3367% | 2,271 |
| Net loans and leases to core deposits | 79.2185% | 2,308 |
| Total domestic deposits to total assets | 89.1700% | 1,478 |
| Equity capital to assets | 8.9222% | 2,576 |
| Core capital (leverage) ratio | 10.2688% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7006% | 2,497 |
| Memoranda: | ||
| Average total assets | $2,776,183,500 | 422 |
| Average earning assets | $2,583,738,000 | 412 |
| Average equity | $233,164,500 | 475 |
| Average total loans | $1,857,583,500 | 420 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 1,959 |
| Cost of funding earning assets | 0.2453% | 3,361 |
| Net interest margin | 3.6669% | 1,459 |
| Noninterest income to average assets | 0.7900% | 1,028 |
| Noninterest expense to average assets | 2.0779% | 3,357 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 2.0781% | 254 |
| Return on assets (ROA) | 2.0716% | 251 |
| Pretax return on assets | 2.0716% | 402 |
| Return on Equity (ROE) | 24.0700% | 241 |
| Retained earnings to average equity (ytd only) | 14.0573% | 381 |
| Net charge-offs to loans | -0.0001% | 3,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.2456% | 4,175 |
| Assets per employee ($millions) | 8.4809% | 1,098 |
| Cash dividends to net income (ytd only)* | 41.6041% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1169% | 2,808 |
| Loan loss allowance to noncurrent loans | 4,017.5337% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0186% | 3,658 |
| Noncurrent loans to loans | 0.0278% | 3,593 |
| Net loans and leases to total assets | 66.1600% | 2,023 |
| Net loans and leases to deposits | 80.3207% | 1,748 |
| Net loans and leases to core deposits | 84.6541% | 1,835 |
| Total domestic deposits to total assets | 82.3700% | 3,559 |
| Equity capital to assets | 7.8805% | 3,134 |
| Core capital (leverage) ratio | 9.9957% | 2,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1039% | 2,701 |
| Memoranda: | ||
| Average total assets | $2,713,142,400 | 424 |
| Average earning assets | $2,522,552,200 | 414 |
| Average equity | $233,486,400 | 466 |
| Average total loans | $1,717,041,600 | 427 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 1,951 |
| Cost of funding earning assets | 0.0808% | 4,369 |
| Net interest margin | 3.4821% | 1,366 |
| Noninterest income to average assets | 0.7683% | 1,128 |
| Noninterest expense to average assets | 2.0831% | 3,198 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.9212% | 261 |
| Return on assets (ROA) | 1.9108% | 265 |
| Pretax return on assets | 1.9108% | 456 |
| Return on Equity (ROE) | 20.8569% | 254 |
| Retained earnings to average equity (ytd only) | 9.7747% | 1,080 |
| Net charge-offs to loans | -0.0006% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8280% | 4,139 |
| Assets per employee ($millions) | 8.5509% | 1,044 |
| Cash dividends to net income (ytd only)* | 53.1347% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 3,026 |
| Loan loss allowance to noncurrent loans | 12,375.9494% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 3,991 |
| Noncurrent loans to loans | 0.0091% | 3,925 |
| Net loans and leases to total assets | 61.1345% | 2,208 |
| Net loans and leases to deposits | 66.6114% | 2,500 |
| Net loans and leases to core deposits | 70.2226% | 2,476 |
| Total domestic deposits to total assets | 91.7780% | 937 |
| Equity capital to assets | 7.6275% | 3,390 |
| Core capital (leverage) ratio | 9.4597% | 2,970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0266% | 2,811 |
| Memoranda: | ||
| Average total assets | $2,691,285,667 | 428 |
| Average earning assets | $2,501,155,333 | 419 |
| Average equity | $246,556,000 | 451 |
| Average total loans | $1,649,437,000 | 428 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4987% | 1,814 |
| Cost of funding earning assets | 0.0680% | 4,473 |
| Net interest margin | 3.4307% | 1,233 |
| Noninterest income to average assets | 0.6715% | 1,404 |
| Noninterest expense to average assets | 2.1384% | 3,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7217% | 387 |
| Return on assets (ROA) | 1.7123% | 404 |
| Pretax return on assets | 1.7123% | 666 |
| Return on Equity (ROE) | 17.1674% | 404 |
| Retained earnings to average equity (ytd only) | 5.3025% | 2,476 |
| Net charge-offs to loans | 0.0005% | 1,830 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 5,679.0000% | 7 |
| Efficiency ratio | 55.1934% | 3,953 |
| Assets per employee ($millions) | 8.2654% | 1,221 |
| Cash dividends to net income (ytd only)* | 69.1130% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,977 |
| Loan loss allowance to noncurrent loans | 21,480.2198% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,065 |
| Noncurrent loans to loans | 0.0055% | 3,996 |
| Net loans and leases to total assets | 61.4323% | 1,924 |
| Net loans and leases to deposits | 70.1712% | 1,953 |
| Net loans and leases to core deposits | 75.0005% | 1,851 |
| Total domestic deposits to total assets | 87.5463% | 2,729 |
| Equity capital to assets | 9.1445% | 2,582 |
| Core capital (leverage) ratio | 9.6032% | 2,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,638,856,500 | 437 |
| Average earning assets | $2,452,575,000 | 431 |
| Average equity | $263,196,000 | 434 |
| Average total loans | $1,609,673,500 | 437 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 2,147 |
| Cost of funding earning assets | 0.0892% | 4,464 |
| Net interest margin | 3.5989% | 1,474 |
| Noninterest income to average assets | 0.9773% | 1,045 |
| Noninterest expense to average assets | 2.1470% | 3,242 |
| Loan and lease loss provision to assets | -0.0158% | 4,201 |
| Net operating income to assets | 2.1963% | 248 |
| Return on assets (ROA) | 2.1969% | 257 |
| Pretax return on assets | 2.1969% | 413 |
| Return on Equity (ROE) | 19.8595% | 316 |
| Retained earnings to average equity (ytd only) | 8.3683% | 1,397 |
| Net charge-offs to loans | -0.0115% | 3,791 |
| Credit loss provision to net charge-offs | 225.9887% | 1,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4151% | 4,330 |
| Assets per employee ($millions) | 8.1499% | 1,252 |
| Cash dividends to net income (ytd only)* | 57.8626% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 2,609 |
| Loan loss allowance to noncurrent loans | 3,497.1377% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 3,918 |
| Noncurrent loans to loans | 0.0358% | 3,820 |
| Net loans and leases to total assets | 59.0561% | 2,266 |
| Net loans and leases to deposits | 67.0450% | 2,401 |
| Net loans and leases to core deposits | 72.5216% | 2,205 |
| Total domestic deposits to total assets | 88.0844% | 2,004 |
| Equity capital to assets | 10.8229% | 1,923 |
| Core capital (leverage) ratio | 9.4069% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,524,374,200 | 433 |
| Average earning assets | $2,349,903,800 | 425 |
| Average equity | $279,257,000 | 414 |
| Average total loans | $1,538,776,200 | 464 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 2,432 |
| Cost of funding earning assets | 0.0944% | 4,542 |
| Net interest margin | 3.5519% | 1,726 |
| Noninterest income to average assets | 1.0204% | 1,039 |
| Noninterest expense to average assets | 2.1035% | 3,350 |
| Loan and lease loss provision to assets | 0.0320% | 2,355 |
| Net operating income to assets | 2.1911% | 332 |
| Return on assets (ROA) | 2.1903% | 350 |
| Pretax return on assets | 2.1903% | 558 |
| Return on Equity (ROE) | 19.6888% | 449 |
| Retained earnings to average equity (ytd only) | 9.9131% | 1,351 |
| Net charge-offs to loans | -0.0159% | 3,871 |
| Credit loss provision to net charge-offs | -327.8689% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4176% | 4,335 |
| Assets per employee ($millions) | 7.9653% | 1,288 |
| Cash dividends to net income (ytd only)* | 49.6511% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4214% | 1,935 |
| Loan loss allowance to noncurrent loans | 3,550.0864% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 4,038 |
| Noncurrent loans to loans | 0.0400% | 3,925 |
| Net loans and leases to total assets | 55.2376% | 2,822 |
| Net loans and leases to deposits | 62.5535% | 2,991 |
| Net loans and leases to core deposits | 67.7509% | 2,802 |
| Total domestic deposits to total assets | 88.3046% | 1,664 |
| Equity capital to assets | 11.1794% | 1,903 |
| Core capital (leverage) ratio | 9.6059% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,503,474,250 | 439 |
| Average earning assets | $2,330,326,250 | 433 |
| Average equity | $278,506,750 | 417 |
| Average total loans | $1,533,541,000 | 470 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7282% | 2,259 |
| Cost of funding earning assets | 0.1018% | 4,569 |
| Net interest margin | 3.6264% | 1,528 |
| Noninterest income to average assets | 1.0343% | 1,019 |
| Noninterest expense to average assets | 2.1190% | 3,336 |
| Loan and lease loss provision to assets | 0.0484% | 2,058 |
| Net operating income to assets | 2.2417% | 316 |
| Return on assets (ROA) | 2.2414% | 336 |
| Pretax return on assets | 2.2414% | 535 |
| Return on Equity (ROE) | 20.1823% | 443 |
| Retained earnings to average equity (ytd only) | 10.2881% | 1,315 |
| Net charge-offs to loans | -0.0230% | 4,045 |
| Credit loss provision to net charge-offs | -333.3333% | 3,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8598% | 4,396 |
| Assets per employee ($millions) | 7.9201% | 1,250 |
| Cash dividends to net income (ytd only)* | 49.0241% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3925% | 2,012 |
| Loan loss allowance to noncurrent loans | 2,562.5935% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 4,042 |
| Noncurrent loans to loans | 0.0543% | 3,902 |
| Net loans and leases to total assets | 57.2458% | 2,758 |
| Net loans and leases to deposits | 64.6777% | 2,931 |
| Net loans and leases to core deposits | 70.3701% | 2,744 |
| Total domestic deposits to total assets | 88.5093% | 1,554 |
| Equity capital to assets | 11.0034% | 1,969 |
| Core capital (leverage) ratio | 9.4705% | 2,937 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,477,710,000 | 437 |
| Average earning assets | $2,305,813,333 | 432 |
| Average equity | $275,171,333 | 416 |
| Average total loans | $1,562,685,333 | 464 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8225% | 2,035 |
| Cost of funding earning assets | 0.1068% | 4,614 |
| Net interest margin | 3.7157% | 1,299 |
| Noninterest income to average assets | 1.0794% | 1,013 |
| Noninterest expense to average assets | 2.1423% | 3,295 |
| Loan and lease loss provision to assets | 0.0981% | 1,374 |
| Net operating income to assets | 2.2979% | 361 |
| Return on assets (ROA) | 2.2979% | 387 |
| Pretax return on assets | 2.2979% | 591 |
| Return on Equity (ROE) | 20.5919% | 498 |
| Retained earnings to average equity (ytd only) | 10.6141% | 1,489 |
| Net charge-offs to loans | -0.0413% | 4,322 |
| Credit loss provision to net charge-offs | -361.4458% | 3,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0103% | 4,406 |
| Assets per employee ($millions) | 7.8757% | 1,248 |
| Cash dividends to net income (ytd only)* | 48.4553% | 1,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2936% | 2,470 |
| Loan loss allowance to noncurrent loans | 959.2714% | 696 |
| Noncurrent assets plus other real estate owned to assets | 0.0850% | 3,771 |
| Noncurrent loans to loans | 0.1349% | 3,637 |
| Net loans and leases to total assets | 62.1805% | 2,271 |
| Net loans and leases to deposits | 70.3137% | 2,473 |
| Net loans and leases to core deposits | 76.0814% | 2,351 |
| Total domestic deposits to total assets | 88.4329% | 1,642 |
| Equity capital to assets | 10.8829% | 1,949 |
| Core capital (leverage) ratio | 9.8261% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,445,383,000 | 437 |
| Average earning assets | $2,276,395,500 | 429 |
| Average equity | $272,883,500 | 414 |
| Average total loans | $1,606,054,000 | 452 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3520% | 1,715 |
| Cost of funding earning assets | 0.2286% | 4,475 |
| Net interest margin | 4.1234% | 748 |
| Noninterest income to average assets | 0.9361% | 1,180 |
| Noninterest expense to average assets | 2.2390% | 3,567 |
| Loan and lease loss provision to assets | 0.2884% | 1,314 |
| Net operating income to assets | 2.2689% | 172 |
| Return on assets (ROA) | 2.3985% | 159 |
| Pretax return on assets | 2.3985% | 217 |
| Return on Equity (ROE) | 19.6663% | 250 |
| Retained earnings to average equity (ytd only) | 7.0138% | 1,391 |
| Net charge-offs to loans | 0.0556% | 1,985 |
| Credit loss provision to net charge-offs | 722.4824% | 979 |
| Earnings coverage of net charge-offs (x) | 64.0644% | 1,040 |
| Efficiency ratio | 46.4629% | 4,693 |
| Assets per employee ($millions) | 7.3391% | 1,372 |
| Cash dividends to net income (ytd only)* | 64.3360% | 1,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,856 |
| Loan loss allowance to noncurrent loans | 738.0366% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1130% | 3,729 |
| Noncurrent loans to loans | 0.1649% | 3,617 |
| Net loans and leases to total assets | 67.6938% | 1,860 |
| Net loans and leases to deposits | 77.1989% | 2,153 |
| Net loans and leases to core deposits | 83.2238% | 2,105 |
| Total domestic deposits to total assets | 87.6875% | 1,615 |
| Equity capital to assets | 11.4528% | 1,921 |
| Core capital (leverage) ratio | 9.7087% | 2,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,139,432,200 | 450 |
| Average earning assets | $2,002,845,400 | 443 |
| Average equity | $260,928,400 | 408 |
| Average total loans | $1,536,428,400 | 439 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4106% | 1,824 |
| Cost of funding earning assets | 0.2629% | 4,463 |
| Net interest margin | 4.1478% | 812 |
| Noninterest income to average assets | 0.9292% | 1,157 |
| Noninterest expense to average assets | 2.2738% | 3,489 |
| Loan and lease loss provision to assets | 0.2799% | 1,434 |
| Net operating income to assets | 2.2615% | 187 |
| Return on assets (ROA) | 2.4397% | 163 |
| Pretax return on assets | 2.4397% | 233 |
| Return on Equity (ROE) | 19.6629% | 251 |
| Retained earnings to average equity (ytd only) | 7.6352% | 1,449 |
| Net charge-offs to loans | 0.0474% | 1,936 |
| Credit loss provision to net charge-offs | 812.2677% | 968 |
| Earnings coverage of net charge-offs (x) | 73.7528% | 962 |
| Efficiency ratio | 46.9972% | 4,662 |
| Assets per employee ($millions) | 7.1935% | 1,379 |
| Cash dividends to net income (ytd only)* | 61.1693% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 3,152 |
| Loan loss allowance to noncurrent loans | 666.7153% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 3,834 |
| Noncurrent loans to loans | 0.1665% | 3,717 |
| Net loans and leases to total assets | 70.7558% | 1,849 |
| Net loans and leases to deposits | 80.5397% | 2,259 |
| Net loans and leases to core deposits | 86.5808% | 2,269 |
| Total domestic deposits to total assets | 87.8521% | 1,286 |
| Equity capital to assets | 11.6823% | 1,888 |
| Core capital (leverage) ratio | 9.9081% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4470% | 2,440 |
| Memoranda: | ||
| Average total assets | $2,081,654,750 | 453 |
| Average earning assets | $1,950,305,750 | 447 |
| Average equity | $258,287,000 | 401 |
| Average total loans | $1,514,414,750 | 441 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 1,600 |
| Cost of funding earning assets | 0.3057% | 4,457 |
| Net interest margin | 4.3154% | 726 |
| Noninterest income to average assets | 0.9204% | 1,122 |
| Noninterest expense to average assets | 2.3400% | 3,429 |
| Loan and lease loss provision to assets | 0.2186% | 1,909 |
| Net operating income to assets | 2.4215% | 156 |
| Return on assets (ROA) | 2.7006% | 113 |
| Pretax return on assets | 2.7006% | 155 |
| Return on Equity (ROE) | 21.2896% | 190 |
| Retained earnings to average equity (ytd only) | 8.3346% | 1,214 |
| Net charge-offs to loans | 0.0713% | 1,536 |
| Credit loss provision to net charge-offs | 418.8931% | 1,370 |
| Earnings coverage of net charge-offs (x) | 50.5916% | 1,097 |
| Efficiency ratio | 46.7624% | 4,689 |
| Assets per employee ($millions) | 6.7656% | 1,584 |
| Cash dividends to net income (ytd only)* | 60.8511% | 1,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,706 |
| Loan loss allowance to noncurrent loans | 507.7771% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 3,801 |
| Noncurrent loans to loans | 0.1912% | 3,690 |
| Net loans and leases to total assets | 74.3562% | 1,364 |
| Net loans and leases to deposits | 84.9001% | 1,901 |
| Net loans and leases to core deposits | 90.6088% | 2,020 |
| Total domestic deposits to total assets | 87.5808% | 1,385 |
| Equity capital to assets | 11.9872% | 1,669 |
| Core capital (leverage) ratio | 9.9529% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4519% | 2,419 |
| Memoranda: | ||
| Average total assets | $2,008,238,000 | 461 |
| Average earning assets | $1,889,230,667 | 451 |
| Average equity | $254,744,333 | 404 |
| Average total loans | $1,470,213,333 | 445 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6820% | 1,765 |
| Cost of funding earning assets | 0.4218% | 4,269 |
| Net interest margin | 4.2602% | 821 |
| Noninterest income to average assets | 0.9340% | 991 |
| Noninterest expense to average assets | 2.5158% | 3,229 |
| Loan and lease loss provision to assets | 0.0776% | 2,751 |
| Net operating income to assets | 2.3337% | 144 |
| Return on assets (ROA) | 2.9130% | 75 |
| Pretax return on assets | 2.9130% | 101 |
| Return on Equity (ROE) | 22.2542% | 107 |
| Retained earnings to average equity (ytd only) | 6.6993% | 1,650 |
| Net charge-offs to loans | -0.0026% | 3,702 |
| Credit loss provision to net charge-offs | -4,111.1111% | 3,838 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8220% | 4,619 |
| Assets per employee ($millions) | 5.8104% | 1,830 |
| Cash dividends to net income (ytd only)* | 69.8963% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,352 |
| Loan loss allowance to noncurrent loans | 625.6854% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1244% | 4,009 |
| Noncurrent loans to loans | 0.1711% | 3,853 |
| Net loans and leases to total assets | 71.9350% | 1,928 |
| Net loans and leases to deposits | 83.9043% | 2,246 |
| Net loans and leases to core deposits | 90.3123% | 2,314 |
| Total domestic deposits to total assets | 85.7346% | 2,111 |
| Equity capital to assets | 13.2952% | 1,305 |
| Core capital (leverage) ratio | 11.0625% | 2,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0246% | 2,685 |
| Memoranda: | ||
| Average total assets | $1,906,185,500 | 466 |
| Average earning assets | $1,786,685,000 | 457 |
| Average equity | $249,517,000 | 412 |
| Average total loans | $1,374,749,500 | 458 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9380% | 1,641 |
| Cost of funding earning assets | 0.5488% | 3,880 |
| Net interest margin | 4.3892% | 913 |
| Noninterest income to average assets | 1.0135% | 945 |
| Noninterest expense to average assets | 2.4134% | 3,649 |
| Loan and lease loss provision to assets | 0.0736% | 2,524 |
| Net operating income to assets | 2.6292% | 116 |
| Return on assets (ROA) | 2.6360% | 120 |
| Pretax return on assets | 2.6360% | 164 |
| Return on Equity (ROE) | 20.3465% | 198 |
| Retained earnings to average equity (ytd only) | 0.0021% | 4,695 |
| Net charge-offs to loans | -0.0211% | 4,637 |
| Credit loss provision to net charge-offs | -492.8571% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9303% | 4,875 |
| Assets per employee ($millions) | 6.1304% | 1,534 |
| Cash dividends to net income (ytd only)* | 99.9899% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,166 |
| Loan loss allowance to noncurrent loans | 775.9528% | 681 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 4,133 |
| Noncurrent loans to loans | 0.1366% | 3,979 |
| Net loans and leases to total assets | 70.7695% | 2,278 |
| Net loans and leases to deposits | 82.6734% | 2,480 |
| Net loans and leases to core deposits | 88.6838% | 2,545 |
| Total domestic deposits to total assets | 85.6014% | 2,236 |
| Equity capital to assets | 12.8846% | 1,592 |
| Core capital (leverage) ratio | 10.7604% | 2,712 |
| Tier 1 risk-based capital ratio | 11.8989% | 4,422 |
| Total risk-based capital ratio | 12.7614% | 4,501 |
| Memoranda: | ||
| Average total assets | $1,874,840,400 | 451 |
| Average earning assets | $1,752,460,000 | 441 |
| Average equity | $242,892,000 | 402 |
| Average total loans | $1,325,441,800 | 456 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 1,623 |
| Cost of funding earning assets | 0.5666% | 3,836 |
| Net interest margin | 4.4023% | 939 |
| Noninterest income to average assets | 1.0198% | 900 |
| Noninterest expense to average assets | 2.4121% | 3,647 |
| Loan and lease loss provision to assets | 0.0878% | 2,159 |
| Net operating income to assets | 2.6293% | 134 |
| Return on assets (ROA) | 2.6387% | 140 |
| Pretax return on assets | 2.6387% | 189 |
| Return on Equity (ROE) | 20.3390% | 233 |
| Retained earnings to average equity (ytd only) | 3.8088% | 3,491 |
| Net charge-offs to loans | -0.0358% | 4,754 |
| Credit loss provision to net charge-offs | -348.4419% | 4,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7844% | 4,902 |
| Assets per employee ($millions) | 5.8423% | 1,722 |
| Cash dividends to net income (ytd only)* | 81.2732% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 3,277 |
| Loan loss allowance to noncurrent loans | 672.5444% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 4,144 |
| Noncurrent loans to loans | 0.1564% | 3,977 |
| Net loans and leases to total assets | 72.5843% | 2,070 |
| Net loans and leases to deposits | 84.4522% | 2,393 |
| Net loans and leases to core deposits | 90.4378% | 2,509 |
| Total domestic deposits to total assets | 85.9472% | 2,018 |
| Equity capital to assets | 13.5531% | 1,336 |
| Core capital (leverage) ratio | 11.3524% | 2,338 |
| Tier 1 risk-based capital ratio | 12.5682% | 4,102 |
| Total risk-based capital ratio | 13.4445% | 4,198 |
| Memoranda: | ||
| Average total assets | $1,866,912,000 | 453 |
| Average earning assets | $1,742,730,750 | 442 |
| Average equity | $242,202,250 | 404 |
| Average total loans | $1,315,873,500 | 457 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 1,624 |
| Cost of funding earning assets | 0.5940% | 3,678 |
| Net interest margin | 4.3521% | 1,038 |
| Noninterest income to average assets | 0.8845% | 1,110 |
| Noninterest expense to average assets | 2.4033% | 3,726 |
| Loan and lease loss provision to assets | 0.0835% | 2,173 |
| Net operating income to assets | 2.4597% | 163 |
| Return on assets (ROA) | 2.4624% | 166 |
| Pretax return on assets | 2.4624% | 257 |
| Return on Equity (ROE) | 19.2670% | 301 |
| Retained earnings to average equity (ytd only) | 3.8544% | 3,319 |
| Net charge-offs to loans | -0.0536% | 4,839 |
| Credit loss provision to net charge-offs | -224.1379% | 4,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3355% | 4,882 |
| Assets per employee ($millions) | 5.9834% | 1,559 |
| Cash dividends to net income (ytd only)* | 79.9948% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 3,363 |
| Loan loss allowance to noncurrent loans | 501.0435% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 3,989 |
| Noncurrent loans to loans | 0.2086% | 3,796 |
| Net loans and leases to total assets | 69.7143% | 2,563 |
| Net loans and leases to deposits | 84.8023% | 2,395 |
| Net loans and leases to core deposits | 90.8866% | 2,525 |
| Total domestic deposits to total assets | 82.2080% | 3,454 |
| Equity capital to assets | 13.2107% | 1,484 |
| Core capital (leverage) ratio | 11.0201% | 2,577 |
| Tier 1 risk-based capital ratio | 12.5988% | 4,079 |
| Total risk-based capital ratio | 13.4594% | 4,171 |
| Memoranda: | ||
| Average total assets | $1,867,981,000 | 453 |
| Average earning assets | $1,743,486,000 | 444 |
| Average equity | $238,740,000 | 409 |
| Average total loans | $1,298,785,670 | 464 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9347% | 1,512 |
| Cost of funding earning assets | 0.5875% | 3,640 |
| Net interest margin | 4.3472% | 1,014 |
| Noninterest income to average assets | 0.6998% | 1,617 |
| Noninterest expense to average assets | 2.2753% | 4,086 |
| Loan and lease loss provision to assets | 0.0776% | 2,128 |
| Net operating income to assets | 2.4055% | 192 |
| Return on assets (ROA) | 2.4081% | 201 |
| Pretax return on assets | 2.4081% | 293 |
| Return on Equity (ROE) | 19.1699% | 314 |
| Retained earnings to average equity (ytd only) | 7.5637% | 1,812 |
| Net charge-offs to loans | -0.0200% | 4,487 |
| Credit loss provision to net charge-offs | -562.5000% | 3,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5550% | 4,963 |
| Assets per employee ($millions) | 5.9612% | 1,582 |
| Cash dividends to net income (ytd only)* | 60.5440% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,649 |
| Loan loss allowance to noncurrent loans | 415.7233% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.1840% | 3,896 |
| Noncurrent loans to loans | 0.2422% | 3,700 |
| Net loans and leases to total assets | 68.7789% | 2,650 |
| Net loans and leases to deposits | 82.1756% | 2,594 |
| Net loans and leases to core deposits | 87.9239% | 2,697 |
| Total domestic deposits to total assets | 83.6975% | 3,147 |
| Equity capital to assets | 12.5714% | 1,692 |
| Core capital (leverage) ratio | 10.9665% | 2,602 |
| Tier 1 risk-based capital ratio | 12.5386% | 4,143 |
| Total risk-based capital ratio | 13.3580% | 4,288 |
| Memoranda: | ||
| Average total assets | $1,856,599,500 | 461 |
| Average earning assets | $1,733,358,000 | 450 |
| Average equity | $233,219,500 | 413 |
| Average total loans | $1,282,157,500 | 467 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8245% | 1,487 |
| Cost of funding earning assets | 0.3751% | 4,129 |
| Net interest margin | 4.4494% | 840 |
| Noninterest income to average assets | 1.1912% | 647 |
| Noninterest expense to average assets | 2.6775% | 3,102 |
| Loan and lease loss provision to assets | 0.1734% | 1,149 |
| Net operating income to assets | 2.5147% | 147 |
| Return on assets (ROA) | 2.5147% | 144 |
| Pretax return on assets | 2.5147% | 201 |
| Return on Equity (ROE) | 19.6973% | 268 |
| Retained earnings to average equity (ytd only) | 5.1383% | 2,695 |
| Net charge-offs to loans | 0.0363% | 2,675 |
| Credit loss provision to net charge-offs | 688.6878% | 505 |
| Earnings coverage of net charge-offs (x) | 106.7557% | 712 |
| Efficiency ratio | 49.6496% | 4,963 |
| Assets per employee ($millions) | 5.7888% | 1,684 |
| Cash dividends to net income (ytd only)* | 73.9137% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0226% | 3,543 |
| Loan loss allowance to noncurrent loans | 396.8983% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 3,923 |
| Noncurrent loans to loans | 0.2576% | 3,655 |
| Net loans and leases to total assets | 67.9234% | 2,888 |
| Net loans and leases to deposits | 79.0289% | 3,049 |
| Net loans and leases to core deposits | 85.6149% | 2,941 |
| Total domestic deposits to total assets | 85.9476% | 2,259 |
| Equity capital to assets | 12.5515% | 1,558 |
| Core capital (leverage) ratio | 11.0010% | 2,527 |
| Tier 1 risk-based capital ratio | 12.7021% | 4,011 |
| Total risk-based capital ratio | 13.5255% | 4,140 |
| Memoranda: | ||
| Average total assets | $1,755,340,600 | 469 |
| Average earning assets | $1,646,874,000 | 458 |
| Average equity | $224,102,200 | 413 |
| Average total loans | $1,217,424,400 | 478 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 1,386 |
| Cost of funding earning assets | 0.3505% | 4,179 |
| Net interest margin | 4.4649% | 796 |
| Noninterest income to average assets | 1.1805% | 679 |
| Noninterest expense to average assets | 2.6708% | 3,065 |
| Loan and lease loss provision to assets | 0.2182% | 765 |
| Net operating income to assets | 2.4807% | 165 |
| Return on assets (ROA) | 2.4807% | 165 |
| Pretax return on assets | 2.4807% | 238 |
| Return on Equity (ROE) | 19.3455% | 311 |
| Retained earnings to average equity (ytd only) | 7.2363% | 2,006 |
| Net charge-offs to loans | 0.0110% | 3,025 |
| Credit loss provision to net charge-offs | 2,845.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 351.8800% | 267 |
| Efficiency ratio | 49.4836% | 4,970 |
| Assets per employee ($millions) | 5.3408% | 2,084 |
| Cash dividends to net income (ytd only)* | 62.5947% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,525 |
| Loan loss allowance to noncurrent loans | 344.7642% | 1,491 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 3,898 |
| Noncurrent loans to loans | 0.3019% | 3,597 |
| Net loans and leases to total assets | 68.7495% | 2,829 |
| Net loans and leases to deposits | 80.1953% | 3,018 |
| Net loans and leases to core deposits | 87.1690% | 2,904 |
| Total domestic deposits to total assets | 85.7276% | 2,313 |
| Equity capital to assets | 12.6802% | 1,480 |
| Core capital (leverage) ratio | 11.3108% | 2,328 |
| Tier 1 risk-based capital ratio | 13.0273% | 3,889 |
| Total risk-based capital ratio | 13.8792% | 4,028 |
| Memoranda: | ||
| Average total assets | $1,738,304,750 | 469 |
| Average earning assets | $1,631,005,500 | 461 |
| Average equity | $222,909,000 | 415 |
| Average total loans | $1,208,938,250 | 477 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8519% | 1,121 |
| Cost of funding earning assets | 0.3258% | 4,233 |
| Net interest margin | 4.5261% | 660 |
| Noninterest income to average assets | 1.1728% | 695 |
| Noninterest expense to average assets | 2.7066% | 2,995 |
| Loan and lease loss provision to assets | 0.3130% | 444 |
| Net operating income to assets | 2.4031% | 175 |
| Return on assets (ROA) | 2.4031% | 172 |
| Pretax return on assets | 2.4031% | 272 |
| Return on Equity (ROE) | 18.6679% | 364 |
| Retained earnings to average equity (ytd only) | 6.4967% | 2,311 |
| Net charge-offs to loans | 0.0240% | 2,383 |
| Credit loss provision to net charge-offs | 1,870.8333% | 226 |
| Earnings coverage of net charge-offs (x) | 162.3403% | 486 |
| Efficiency ratio | 49.6593% | 5,042 |
| Assets per employee ($millions) | 5.2528% | 2,148 |
| Cash dividends to net income (ytd only)* | 65.1985% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,513 |
| Loan loss allowance to noncurrent loans | 309.9976% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 3,719 |
| Noncurrent loans to loans | 0.3400% | 3,481 |
| Net loans and leases to total assets | 68.8109% | 2,750 |
| Net loans and leases to deposits | 81.1128% | 2,849 |
| Net loans and leases to core deposits | 89.0281% | 2,646 |
| Total domestic deposits to total assets | 84.8335% | 2,738 |
| Equity capital to assets | 12.7871% | 1,402 |
| Core capital (leverage) ratio | 11.1588% | 2,381 |
| Tier 1 risk-based capital ratio | 13.2198% | 3,780 |
| Total risk-based capital ratio | 14.0985% | 3,896 |
| Memoranda: | ||
| Average total assets | $1,721,354,670 | 475 |
| Average earning assets | $1,616,322,000 | 463 |
| Average equity | $221,589,000 | 417 |
| Average total loans | $1,197,593,000 | 477 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0392% | 643 |
| Cost of funding earning assets | 0.3035% | 4,327 |
| Net interest margin | 4.7357% | 381 |
| Noninterest income to average assets | 1.1414% | 714 |
| Noninterest expense to average assets | 2.6641% | 3,150 |
| Loan and lease loss provision to assets | 0.5731% | 178 |
| Net operating income to assets | 2.3607% | 185 |
| Return on assets (ROA) | 2.3607% | 187 |
| Pretax return on assets | 2.3607% | 284 |
| Return on Equity (ROE) | 18.2768% | 384 |
| Retained earnings to average equity (ytd only) | 6.0844% | 2,670 |
| Net charge-offs to loans | 0.0503% | 1,595 |
| Credit loss provision to net charge-offs | 1,636.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 83.7467% | 687 |
| Efficiency ratio | 47.3445% | 5,220 |
| Assets per employee ($millions) | 5.3583% | 2,082 |
| Cash dividends to net income (ytd only)* | 66.7095% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,742 |
| Loan loss allowance to noncurrent loans | 432.3072% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 4,160 |
| Noncurrent loans to loans | 0.2400% | 3,909 |
| Net loans and leases to total assets | 67.8276% | 2,788 |
| Net loans and leases to deposits | 81.1771% | 2,674 |
| Net loans and leases to core deposits | 88.8999% | 2,554 |
| Total domestic deposits to total assets | 83.5551% | 3,479 |
| Equity capital to assets | 12.5059% | 1,483 |
| Core capital (leverage) ratio | 11.1296% | 2,308 |
| Tier 1 risk-based capital ratio | 13.1588% | 3,872 |
| Total risk-based capital ratio | 14.0342% | 3,955 |
| Memoranda: | ||
| Average total assets | $1,712,697,500 | 479 |
| Average earning assets | $1,611,748,500 | 465 |
| Average equity | $221,220,500 | 421 |
| Average total loans | $1,191,821,000 | 479 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 1,545 |
| Cost of funding earning assets | 0.1928% | 5,001 |
| Net interest margin | 4.3653% | 828 |
| Noninterest income to average assets | 1.1739% | 750 |
| Noninterest expense to average assets | 2.6737% | 3,220 |
| Loan and lease loss provision to assets | 0.1643% | 1,352 |
| Net operating income to assets | 2.4296% | 135 |
| Return on assets (ROA) | 2.4307% | 136 |
| Pretax return on assets | 2.4307% | 205 |
| Return on Equity (ROE) | 18.1722% | 290 |
| Retained earnings to average equity (ytd only) | 7.2594% | 996 |
| Net charge-offs to loans | 0.0509% | 2,778 |
| Credit loss provision to net charge-offs | 467.8383% | 669 |
| Earnings coverage of net charge-offs (x) | 73.8647% | 813 |
| Efficiency ratio | 50.4751% | 5,196 |
| Assets per employee ($millions) | 5.1637% | 2,299 |
| Cash dividends to net income (ytd only)* | 60.0523% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8646% | 4,613 |
| Loan loss allowance to noncurrent loans | 196.0385% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 3,564 |
| Noncurrent loans to loans | 0.4410% | 3,202 |
| Net loans and leases to total assets | 70.0811% | 2,513 |
| Net loans and leases to deposits | 82.7870% | 2,635 |
| Net loans and leases to core deposits | 91.1719% | 2,442 |
| Total domestic deposits to total assets | 84.6523% | 2,968 |
| Equity capital to assets | 13.3492% | 1,112 |
| Core capital (leverage) ratio | 11.3325% | 2,074 |
| Tier 1 risk-based capital ratio | 13.4147% | 3,680 |
| Total risk-based capital ratio | 14.1564% | 3,867 |
| Memoranda: | ||
| Average total assets | $1,620,304,200 | 488 |
| Average earning assets | $1,519,498,800 | 472 |
| Average equity | $216,726,200 | 413 |
| Average total loans | $1,118,577,000 | 487 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4821% | 1,696 |
| Cost of funding earning assets | 0.1749% | 5,166 |
| Net interest margin | 4.3072% | 907 |
| Noninterest income to average assets | 1.1203% | 809 |
| Noninterest expense to average assets | 2.6212% | 3,346 |
| Loan and lease loss provision to assets | 0.1202% | 1,805 |
| Net operating income to assets | 2.4167% | 151 |
| Return on assets (ROA) | 2.4167% | 153 |
| Pretax return on assets | 2.4167% | 245 |
| Return on Equity (ROE) | 18.0589% | 328 |
| Retained earnings to average equity (ytd only) | 7.5812% | 1,400 |
| Net charge-offs to loans | 0.0694% | 2,132 |
| Credit loss provision to net charge-offs | 252.6132% | 1,123 |
| Earnings coverage of net charge-offs (x) | 53.3174% | 1,074 |
| Efficiency ratio | 50.5263% | 5,212 |
| Assets per employee ($millions) | 5.1683% | 2,265 |
| Cash dividends to net income (ytd only)* | 58.0195% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 4,948 |
| Loan loss allowance to noncurrent loans | 217.2556% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 4,059 |
| Noncurrent loans to loans | 0.3593% | 3,665 |
| Net loans and leases to total assets | 68.9875% | 2,696 |
| Net loans and leases to deposits | 81.4718% | 2,832 |
| Net loans and leases to core deposits | 89.9719% | 2,614 |
| Total domestic deposits to total assets | 84.6765% | 2,845 |
| Equity capital to assets | 13.5333% | 1,142 |
| Core capital (leverage) ratio | 11.1498% | 2,322 |
| Tier 1 risk-based capital ratio | 13.3925% | 3,771 |
| Total risk-based capital ratio | 14.0575% | 4,042 |
| Memoranda: | ||
| Average total assets | $1,608,409,500 | 494 |
| Average earning assets | $1,507,854,250 | 479 |
| Average equity | $215,245,500 | 416 |
| Average total loans | $1,103,455,000 | 493 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 1,682 |
| Cost of funding earning assets | 0.1625% | 5,257 |
| Net interest margin | 4.2824% | 905 |
| Noninterest income to average assets | 1.1355% | 776 |
| Noninterest expense to average assets | 2.6435% | 3,298 |
| Loan and lease loss provision to assets | 0.1193% | 1,724 |
| Net operating income to assets | 2.3829% | 155 |
| Return on assets (ROA) | 2.3829% | 154 |
| Pretax return on assets | 2.3829% | 258 |
| Return on Equity (ROE) | 17.8759% | 344 |
| Retained earnings to average equity (ytd only) | 8.2906% | 1,057 |
| Net charge-offs to loans | 0.0838% | 1,772 |
| Credit loss provision to net charge-offs | 208.3333% | 1,230 |
| Earnings coverage of net charge-offs (x) | 43.7127% | 1,186 |
| Efficiency ratio | 51.0783% | 5,237 |
| Assets per employee ($millions) | 5.2094% | 2,145 |
| Cash dividends to net income (ytd only)* | 53.6217% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7759% | 5,002 |
| Loan loss allowance to noncurrent loans | 270.7940% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 4,360 |
| Noncurrent loans to loans | 0.2865% | 4,015 |
| Net loans and leases to total assets | 66.9837% | 2,952 |
| Net loans and leases to deposits | 77.7749% | 3,142 |
| Net loans and leases to core deposits | 86.0588% | 2,873 |
| Total domestic deposits to total assets | 86.1250% | 2,323 |
| Equity capital to assets | 13.4165% | 1,182 |
| Core capital (leverage) ratio | 11.2282% | 2,201 |
| Tier 1 risk-based capital ratio | 13.5531% | 3,671 |
| Total risk-based capital ratio | 14.2101% | 3,941 |
| Memoranda: | ||
| Average total assets | $1,593,256,000 | 500 |
| Average earning assets | $1,491,962,000 | 485 |
| Average equity | $212,386,000 | 422 |
| Average total loans | $1,087,960,000 | 496 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 1,514 |
| Cost of funding earning assets | 0.1553% | 5,334 |
| Net interest margin | 4.2887% | 810 |
| Noninterest income to average assets | 1.1120% | 805 |
| Noninterest expense to average assets | 2.6367% | 3,355 |
| Loan and lease loss provision to assets | 0.1147% | 1,670 |
| Net operating income to assets | 2.3729% | 171 |
| Return on assets (ROA) | 2.3729% | 174 |
| Pretax return on assets | 2.3729% | 267 |
| Return on Equity (ROE) | 17.8610% | 350 |
| Retained earnings to average equity (ytd only) | 5.0341% | 2,873 |
| Net charge-offs to loans | -0.0096% | 4,404 |
| Credit loss provision to net charge-offs | -1,730.7692% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1564% | 5,317 |
| Assets per employee ($millions) | 5.0184% | 2,420 |
| Cash dividends to net income (ytd only)* | 71.8153% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 5,093 |
| Loan loss allowance to noncurrent loans | 190.6424% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 4,066 |
| Noncurrent loans to loans | 0.4149% | 3,600 |
| Net loans and leases to total assets | 66.3617% | 2,920 |
| Net loans and leases to deposits | 77.0717% | 3,068 |
| Net loans and leases to core deposits | 85.3766% | 2,774 |
| Total domestic deposits to total assets | 86.1038% | 2,624 |
| Equity capital to assets | 13.0585% | 1,235 |
| Core capital (leverage) ratio | 11.4042% | 2,020 |
| Tier 1 risk-based capital ratio | 13.5948% | 3,725 |
| Total risk-based capital ratio | 14.2764% | 3,964 |
| Memoranda: | ||
| Average total assets | $1,569,399,500 | 503 |
| Average earning assets | $1,468,222,000 | 492 |
| Average equity | $208,498,500 | 427 |
| Average total loans | $1,078,052,000 | 499 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3452% | 1,995 |
| Cost of funding earning assets | 0.1648% | 5,316 |
| Net interest margin | 4.1804% | 1,167 |
| Noninterest income to average assets | 0.9489% | 1,263 |
| Noninterest expense to average assets | 2.8433% | 2,866 |
| Loan and lease loss provision to assets | 0.0544% | 3,292 |
| Net operating income to assets | 2.0341% | 295 |
| Return on assets (ROA) | 2.0609% | 292 |
| Pretax return on assets | 2.0609% | 437 |
| Return on Equity (ROE) | 18.5986% | 284 |
| Retained earnings to average equity (ytd only) | -1.8084% | 5,519 |
| Net charge-offs to loans | 0.0156% | 3,773 |
| Credit loss provision to net charge-offs | 505.6738% | 653 |
| Earnings coverage of net charge-offs (x) | 193.9716% | 349 |
| Efficiency ratio | 57.4950% | 4,907 |
| Assets per employee ($millions) | 4.6703% | 2,847 |
| Cash dividends to net income (ytd only)* | 109.7232% | 275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7558% | 5,222 |
| Loan loss allowance to noncurrent loans | 169.6900% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,880 |
| Noncurrent loans to loans | 0.4454% | 3,550 |
| Net loans and leases to total assets | 70.0818% | 2,453 |
| Net loans and leases to deposits | 81.7877% | 2,694 |
| Net loans and leases to core deposits | 89.8204% | 2,518 |
| Total domestic deposits to total assets | 85.6875% | 2,734 |
| Equity capital to assets | 13.5273% | 1,037 |
| Core capital (leverage) ratio | 11.5621% | 1,885 |
| Tier 1 risk-based capital ratio | 13.5141% | 3,762 |
| Total risk-based capital ratio | 14.1643% | 4,022 |
| Memoranda: | ||
| Average total assets | $1,309,497,400 | 563 |
| Average earning assets | $1,247,664,200 | 544 |
| Average equity | $145,102,000 | 545 |
| Average total loans | $905,535,800 | 558 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2125% | 2,473 |
| Cost of funding earning assets | 0.1667% | 5,375 |
| Net interest margin | 4.0459% | 1,537 |
| Noninterest income to average assets | 0.8153% | 1,696 |
| Noninterest expense to average assets | 2.7617% | 3,137 |
| Loan and lease loss provision to assets | 0.0493% | 3,261 |
| Net operating income to assets | 1.8811% | 419 |
| Return on assets (ROA) | 1.9182% | 412 |
| Pretax return on assets | 1.9182% | 678 |
| Return on Equity (ROE) | 18.5468% | 325 |
| Retained earnings to average equity (ytd only) | -7.3705% | 5,802 |
| Net charge-offs to loans | 0.0048% | 3,746 |
| Credit loss provision to net charge-offs | 1,500.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 587.2908% | 153 |
| Efficiency ratio | 58.7684% | 4,712 |
| Assets per employee ($millions) | 4.4452% | 3,171 |
| Cash dividends to net income (ytd only)* | 139.7402% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7732% | 5,264 |
| Loan loss allowance to noncurrent loans | 267.1251% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 4,625 |
| Noncurrent loans to loans | 0.2895% | 4,224 |
| Net loans and leases to total assets | 69.0365% | 2,633 |
| Net loans and leases to deposits | 78.7881% | 3,104 |
| Net loans and leases to core deposits | 87.0429% | 2,839 |
| Total domestic deposits to total assets | 87.6230% | 1,599 |
| Equity capital to assets | 11.8971% | 2,184 |
| Core capital (leverage) ratio | 9.6292% | 4,024 |
| Tier 1 risk-based capital ratio | 10.6852% | 5,530 |
| Total risk-based capital ratio | 11.3533% | 5,706 |
| Memoranda: | ||
| Average total assets | $1,257,409,000 | 585 |
| Average earning assets | $1,204,851,500 | 559 |
| Average equity | $130,046,250 | 614 |
| Average total loans | $863,960,000 | 580 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1440% | 2,699 |
| Cost of funding earning assets | 0.1685% | 5,425 |
| Net interest margin | 3.9755% | 1,721 |
| Noninterest income to average assets | 0.6843% | 2,215 |
| Noninterest expense to average assets | 2.5862% | 3,770 |
| Loan and lease loss provision to assets | 0.0254% | 3,629 |
| Net operating income to assets | 1.9203% | 387 |
| Return on assets (ROA) | 1.9795% | 360 |
| Pretax return on assets | 1.9795% | 591 |
| Return on Equity (ROE) | 20.4197% | 224 |
| Retained earnings to average equity (ytd only) | 8.8113% | 901 |
| Net charge-offs to loans | -0.0030% | 4,425 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0667% | 5,017 |
| Assets per employee ($millions) | 5.5350% | 1,763 |
| Cash dividends to net income (ytd only)* | 56.8488% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 4,913 |
| Loan loss allowance to noncurrent loans | 272.7305% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 4,533 |
| Noncurrent loans to loans | 0.3348% | 4,167 |
| Net loans and leases to total assets | 71.1198% | 2,314 |
| Net loans and leases to deposits | 79.5743% | 2,992 |
| Net loans and leases to core deposits | 85.2544% | 2,966 |
| Total domestic deposits to total assets | 89.3754% | 734 |
| Equity capital to assets | 10.1418% | 4,038 |
| Core capital (leverage) ratio | 9.8667% | 3,726 |
| Tier 1 risk-based capital ratio | 11.8907% | 4,903 |
| Total risk-based capital ratio | 12.6995% | 5,077 |
| Memoranda: | ||
| Average total assets | $1,183,132,000 | 615 |
| Average earning assets | $1,145,071,330 | 586 |
| Average equity | $114,693,000 | 699 |
| Average total loans | $808,657,000 | 617 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0924% | 2,872 |
| Cost of funding earning assets | 0.1668% | 5,493 |
| Net interest margin | 3.9257% | 1,861 |
| Noninterest income to average assets | 0.6902% | 2,088 |
| Noninterest expense to average assets | 2.5674% | 3,859 |
| Loan and lease loss provision to assets | 0.0505% | 2,911 |
| Net operating income to assets | 1.8771% | 417 |
| Return on assets (ROA) | 1.8771% | 443 |
| Pretax return on assets | 1.8771% | 726 |
| Return on Equity (ROE) | 19.8157% | 255 |
| Retained earnings to average equity (ytd only) | 7.7059% | 1,590 |
| Net charge-offs to loans | -0.0040% | 4,236 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1161% | 5,085 |
| Assets per employee ($millions) | 5.7865% | 1,591 |
| Cash dividends to net income (ytd only)* | 61.1121% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 4,823 |
| Loan loss allowance to noncurrent loans | 322.5766% | 1,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,796 |
| Noncurrent loans to loans | 0.2957% | 4,371 |
| Net loans and leases to total assets | 64.4482% | 3,176 |
| Net loans and leases to deposits | 71.6278% | 3,689 |
| Net loans and leases to core deposits | 76.6582% | 3,619 |
| Total domestic deposits to total assets | 89.9765% | 609 |
| Equity capital to assets | 9.3406% | 4,852 |
| Core capital (leverage) ratio | 9.5014% | 4,195 |
| Tier 1 risk-based capital ratio | 11.8992% | 4,979 |
| Total risk-based capital ratio | 12.7292% | 5,148 |
| Memoranda: | ||
| Average total assets | $1,187,993,000 | 615 |
| Average earning assets | $1,151,399,500 | 580 |
| Average equity | $112,537,000 | 715 |
| Average total loans | $791,876,500 | 625 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,258 |
| Cost of funding earning assets | 0.1907% | 5,362 |
| Net interest margin | 4.0977% | 1,417 |
| Noninterest income to average assets | 0.6681% | 2,357 |
| Noninterest expense to average assets | 2.4633% | 4,346 |
| Loan and lease loss provision to assets | 0.0272% | 3,834 |
| Net operating income to assets | 2.1352% | 276 |
| Return on assets (ROA) | 2.1352% | 282 |
| Pretax return on assets | 2.1352% | 397 |
| Return on Equity (ROE) | 22.2104% | 164 |
| Retained earnings to average equity (ytd only) | 9.4401% | 548 |
| Net charge-offs to loans | 0.0042% | 4,299 |
| Credit loss provision to net charge-offs | 937.5000% | 365 |
| Earnings coverage of net charge-offs (x) | 744.6875% | 82 |
| Efficiency ratio | 53.2516% | 5,570 |
| Assets per employee ($millions) | 5.2428% | 2,069 |
| Cash dividends to net income (ytd only)* | 57.4968% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 4,784 |
| Loan loss allowance to noncurrent loans | 261.6053% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 4,579 |
| Noncurrent loans to loans | 0.3699% | 4,120 |
| Net loans and leases to total assets | 67.7230% | 2,745 |
| Net loans and leases to deposits | 75.6160% | 3,305 |
| Net loans and leases to core deposits | 82.1709% | 3,129 |
| Total domestic deposits to total assets | 89.5617% | 819 |
| Equity capital to assets | 9.6169% | 4,418 |
| Core capital (leverage) ratio | 9.5000% | 4,166 |
| Tier 1 risk-based capital ratio | 12.2490% | 4,798 |
| Total risk-based capital ratio | 13.1070% | 4,953 |
| Memoranda: | ||
| Average total assets | $1,101,993,200 | 638 |
| Average earning assets | $1,064,332,800 | 602 |
| Average equity | $105,941,400 | 731 |
| Average total loans | $753,380,000 | 623 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 2,346 |
| Cost of funding earning assets | 0.1936% | 5,437 |
| Net interest margin | 4.0719% | 1,486 |
| Noninterest income to average assets | 0.6758% | 2,351 |
| Noninterest expense to average assets | 2.4938% | 4,214 |
| Loan and lease loss provision to assets | 0.0366% | 3,485 |
| Net operating income to assets | 2.0735% | 318 |
| Return on assets (ROA) | 2.0735% | 340 |
| Pretax return on assets | 2.0735% | 527 |
| Return on Equity (ROE) | 21.5702% | 205 |
| Retained earnings to average equity (ytd only) | 9.2262% | 817 |
| Net charge-offs to loans | -0.0091% | 4,960 |
| Credit loss provision to net charge-offs | -588.2353% | 5,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1675% | 5,495 |
| Assets per employee ($millions) | 5.0223% | 2,275 |
| Cash dividends to net income (ytd only)* | 57.2269% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 4,674 |
| Loan loss allowance to noncurrent loans | 173.4731% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3953% | 4,192 |
| Noncurrent loans to loans | 0.5845% | 3,579 |
| Net loans and leases to total assets | 66.9553% | 2,855 |
| Net loans and leases to deposits | 74.7059% | 3,455 |
| Net loans and leases to core deposits | 81.6531% | 3,288 |
| Total domestic deposits to total assets | 89.6252% | 719 |
| Equity capital to assets | 9.8524% | 4,340 |
| Core capital (leverage) ratio | 9.6078% | 4,155 |
| Tier 1 risk-based capital ratio | 12.6143% | 4,672 |
| Total risk-based capital ratio | 13.5316% | 4,797 |
| Memoranda: | ||
| Average total assets | $1,093,071,500 | 646 |
| Average earning assets | $1,054,475,250 | 613 |
| Average equity | $105,074,500 | 744 |
| Average total loans | $747,225,000 | 627 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 2,194 |
| Cost of funding earning assets | 0.1962% | 5,472 |
| Net interest margin | 4.0952% | 1,365 |
| Noninterest income to average assets | 0.6660% | 2,381 |
| Noninterest expense to average assets | 2.5145% | 4,194 |
| Loan and lease loss provision to assets | 0.0552% | 3,007 |
| Net operating income to assets | 2.0422% | 343 |
| Return on assets (ROA) | 2.0422% | 359 |
| Pretax return on assets | 2.0422% | 556 |
| Return on Equity (ROE) | 21.4264% | 215 |
| Retained earnings to average equity (ytd only) | 8.9129% | 950 |
| Net charge-offs to loans | -0.0107% | 4,941 |
| Credit loss provision to net charge-offs | -750.0000% | 5,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5223% | 5,541 |
| Assets per employee ($millions) | 5.0743% | 2,175 |
| Cash dividends to net income (ytd only)* | 58.4024% | 1,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 4,783 |
| Loan loss allowance to noncurrent loans | 152.0200% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 4,101 |
| Noncurrent loans to loans | 0.6686% | 3,475 |
| Net loans and leases to total assets | 67.8503% | 2,665 |
| Net loans and leases to deposits | 75.5033% | 3,316 |
| Net loans and leases to core deposits | 82.2563% | 3,147 |
| Total domestic deposits to total assets | 89.8641% | 722 |
| Equity capital to assets | 9.6333% | 4,489 |
| Core capital (leverage) ratio | 9.5701% | 4,178 |
| Tier 1 risk-based capital ratio | 12.2186% | 4,985 |
| Total risk-based capital ratio | 13.1284% | 5,127 |
| Memoranda: | ||
| Average total assets | $1,087,449,330 | 651 |
| Average earning assets | $1,047,822,330 | 617 |
| Average equity | $103,647,670 | 752 |
| Average total loans | $746,042,000 | 629 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 2,006 |
| Cost of funding earning assets | 0.2017% | 5,494 |
| Net interest margin | 4.1269% | 1,214 |
| Noninterest income to average assets | 0.6654% | 2,335 |
| Noninterest expense to average assets | 2.5433% | 4,126 |
| Loan and lease loss provision to assets | 0.0553% | 2,829 |
| Net operating income to assets | 2.0404% | 318 |
| Return on assets (ROA) | 2.0404% | 334 |
| Pretax return on assets | 2.0404% | 548 |
| Return on Equity (ROE) | 21.5228% | 205 |
| Retained earnings to average equity (ytd only) | 8.9192% | 1,225 |
| Net charge-offs to loans | -0.0032% | 4,404 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,161 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8249% | 5,610 |
| Assets per employee ($millions) | 4.8704% | 2,531 |
| Cash dividends to net income (ytd only)* | 58.5590% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 4,986 |
| Loan loss allowance to noncurrent loans | 149.3857% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 4,141 |
| Noncurrent loans to loans | 0.6730% | 3,604 |
| Net loans and leases to total assets | 66.9398% | 2,614 |
| Net loans and leases to deposits | 74.6532% | 3,208 |
| Net loans and leases to core deposits | 81.0029% | 3,058 |
| Total domestic deposits to total assets | 89.6676% | 921 |
| Equity capital to assets | 9.5861% | 4,654 |
| Core capital (leverage) ratio | 9.3386% | 4,507 |
| Tier 1 risk-based capital ratio | 12.0690% | 5,196 |
| Total risk-based capital ratio | 12.9670% | 5,333 |
| Memoranda: | ||
| Average total assets | $1,085,689,500 | 651 |
| Average earning assets | $1,045,344,000 | 614 |
| Average equity | $102,923,500 | 756 |
| Average total loans | $745,149,500 | 625 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 2,240 |
| Cost of funding earning assets | 0.2231% | 5,569 |
| Net interest margin | 4.1716% | 1,383 |
| Noninterest income to average assets | 0.7454% | 2,101 |
| Noninterest expense to average assets | 2.5408% | 4,420 |
| Loan and lease loss provision to assets | 0.0423% | 3,728 |
| Net operating income to assets | 2.1703% | 234 |
| Return on assets (ROA) | 2.1703% | 241 |
| Pretax return on assets | 2.1703% | 343 |
| Return on Equity (ROE) | 24.3775% | 119 |
| Retained earnings to average equity (ytd only) | 11.0967% | 368 |
| Net charge-offs to loans | 0.0706% | 3,466 |
| Credit loss provision to net charge-offs | 86.3724% | 2,730 |
| Earnings coverage of net charge-offs (x) | 45.2092% | 998 |
| Efficiency ratio | 53.3101% | 5,899 |
| Assets per employee ($millions) | 4.8233% | 2,565 |
| Cash dividends to net income (ytd only)* | 54.4797% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 5,219 |
| Loan loss allowance to noncurrent loans | 171.4522% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 4,456 |
| Noncurrent loans to loans | 0.5627% | 3,981 |
| Net loans and leases to total assets | 68.9858% | 2,397 |
| Net loans and leases to deposits | 78.3941% | 2,924 |
| Net loans and leases to core deposits | 86.0908% | 2,682 |
| Total domestic deposits to total assets | 87.9986% | 1,774 |
| Equity capital to assets | 9.3729% | 4,886 |
| Core capital (leverage) ratio | 9.0137% | 4,979 |
| Tier 1 risk-based capital ratio | 12.1334% | 5,276 |
| Total risk-based capital ratio | 13.0376% | 5,409 |
| Memoranda: | ||
| Average total assets | $1,064,539,600 | 632 |
| Average earning assets | $1,022,800,400 | 599 |
| Average equity | $94,776,000 | 778 |
| Average total loans | $738,210,600 | 588 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4141% | 2,177 |
| Cost of funding earning assets | 0.2184% | 5,682 |
| Net interest margin | 4.1957% | 1,302 |
| Noninterest income to average assets | 0.7418% | 2,131 |
| Noninterest expense to average assets | 2.5748% | 4,272 |
| Loan and lease loss provision to assets | 0.0566% | 3,242 |
| Net operating income to assets | 2.1393% | 264 |
| Return on assets (ROA) | 2.1393% | 275 |
| Pretax return on assets | 2.1393% | 418 |
| Return on Equity (ROE) | 24.3563% | 114 |
| Retained earnings to average equity (ytd only) | 10.9694% | 518 |
| Net charge-offs to loans | 0.0806% | 3,047 |
| Credit loss provision to net charge-offs | 101.3514% | 2,181 |
| Earnings coverage of net charge-offs (x) | 39.3398% | 1,142 |
| Efficiency ratio | 53.8342% | 5,838 |
| Assets per employee ($millions) | 4.7967% | 2,520 |
| Cash dividends to net income (ytd only)* | 54.9627% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,191 |
| Loan loss allowance to noncurrent loans | 189.2701% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 4,514 |
| Noncurrent loans to loans | 0.5314% | 4,342 |
| Net loans and leases to total assets | 66.9182% | 2,699 |
| Net loans and leases to deposits | 73.9308% | 3,437 |
| Net loans and leases to core deposits | 80.6504% | 3,231 |
| Total domestic deposits to total assets | 90.5146% | 524 |
| Equity capital to assets | 8.9919% | 5,361 |
| Core capital (leverage) ratio | 8.9870% | 5,087 |
| Tier 1 risk-based capital ratio | 12.1114% | 5,419 |
| Total risk-based capital ratio | 13.0507% | 5,529 |
| Memoranda: | ||
| Average total assets | $1,060,572,000 | 630 |
| Average earning assets | $1,018,374,250 | 598 |
| Average equity | $93,153,500 | 794 |
| Average total loans | $734,615,750 | 590 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 2,001 |
| Cost of funding earning assets | 0.2134% | 5,803 |
| Net interest margin | 4.2352% | 1,169 |
| Noninterest income to average assets | 0.7519% | 2,036 |
| Noninterest expense to average assets | 2.5899% | 4,273 |
| Loan and lease loss provision to assets | 0.0569% | 3,156 |
| Net operating income to assets | 2.1682% | 241 |
| Return on assets (ROA) | 2.1682% | 253 |
| Pretax return on assets | 2.1682% | 390 |
| Return on Equity (ROE) | 24.8868% | 112 |
| Retained earnings to average equity (ytd only) | 11.5638% | 469 |
| Net charge-offs to loans | 0.0899% | 2,784 |
| Credit loss provision to net charge-offs | 90.6344% | 2,168 |
| Earnings coverage of net charge-offs (x) | 35.4381% | 1,145 |
| Efficiency ratio | 53.6658% | 5,935 |
| Assets per employee ($millions) | 4.9055% | 2,331 |
| Cash dividends to net income (ytd only)* | 53.5346% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 5,393 |
| Loan loss allowance to noncurrent loans | 178.9461% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 4,554 |
| Noncurrent loans to loans | 0.5535% | 4,356 |
| Net loans and leases to total assets | 68.2409% | 2,376 |
| Net loans and leases to deposits | 75.3130% | 3,153 |
| Net loans and leases to core deposits | 82.5218% | 2,909 |
| Total domestic deposits to total assets | 90.6098% | 542 |
| Equity capital to assets | 8.9349% | 5,376 |
| Core capital (leverage) ratio | 8.8664% | 5,212 |
| Tier 1 risk-based capital ratio | 11.7165% | 5,685 |
| Total risk-based capital ratio | 12.6439% | 5,807 |
| Memoranda: | ||
| Average total assets | $1,054,343,330 | 634 |
| Average earning assets | $1,011,473,000 | 600 |
| Average equity | $91,856,000 | 796 |
| Average total loans | $736,301,670 | 587 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5005% | 1,809 |
| Cost of funding earning assets | 0.2071% | 5,940 |
| Net interest margin | 4.2934% | 1,011 |
| Noninterest income to average assets | 0.7436% | 1,970 |
| Noninterest expense to average assets | 2.6278% | 4,187 |
| Loan and lease loss provision to assets | 0.0573% | 2,969 |
| Net operating income to assets | 2.1769% | 249 |
| Return on assets (ROA) | 2.1769% | 262 |
| Pretax return on assets | 2.1769% | 370 |
| Return on Equity (ROE) | 25.3175% | 114 |
| Retained earnings to average equity (ytd only) | 12.4965% | 543 |
| Net charge-offs to loans | 0.1114% | 2,066 |
| Credit loss provision to net charge-offs | 73.1707% | 1,966 |
| Earnings coverage of net charge-offs (x) | 28.5220% | 1,082 |
| Efficiency ratio | 53.9060% | 6,017 |
| Assets per employee ($millions) | 4.8699% | 2,414 |
| Cash dividends to net income (ytd only)* | 50.6407% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 5,573 |
| Loan loss allowance to noncurrent loans | 170.5813% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5265% | 4,571 |
| Noncurrent loans to loans | 0.5797% | 4,423 |
| Net loans and leases to total assets | 69.2678% | 2,022 |
| Net loans and leases to deposits | 76.5325% | 2,751 |
| Net loans and leases to core deposits | 84.2629% | 2,485 |
| Total domestic deposits to total assets | 90.5077% | 796 |
| Equity capital to assets | 8.8004% | 5,337 |
| Core capital (leverage) ratio | 8.6410% | 5,473 |
| Tier 1 risk-based capital ratio | 11.2429% | 6,043 |
| Total risk-based capital ratio | 12.1547% | 6,146 |
| Memoranda: | ||
| Average total assets | $1,046,814,500 | 641 |
| Average earning assets | $1,004,154,500 | 608 |
| Average equity | $90,009,000 | 816 |
| Average total loans | $735,917,500 | 590 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 2,704 |
| Cost of funding earning assets | 0.2281% | 6,117 |
| Net interest margin | 4.1388% | 1,544 |
| Noninterest income to average assets | 0.7098% | 2,487 |
| Noninterest expense to average assets | 2.4674% | 4,869 |
| Loan and lease loss provision to assets | 0.0293% | 4,527 |
| Net operating income to assets | 2.1906% | 246 |
| Return on assets (ROA) | 2.2954% | 216 |
| Pretax return on assets | 2.2954% | 266 |
| Return on Equity (ROE) | 25.8576% | 113 |
| Retained earnings to average equity (ytd only) | 2.9424% | 4,150 |
| Net charge-offs to loans | -0.0152% | 6,090 |
| Credit loss provision to net charge-offs | -294.1176% | 6,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4012% | 6,263 |
| Assets per employee ($millions) | 4.7137% | 2,567 |
| Cash dividends to net income (ytd only)* | 88.6206% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 5,589 |
| Loan loss allowance to noncurrent loans | 124.8212% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 4,516 |
| Noncurrent loans to loans | 0.7982% | 3,983 |
| Net loans and leases to total assets | 69.9412% | 2,018 |
| Net loans and leases to deposits | 77.2724% | 2,821 |
| Net loans and leases to core deposits | 84.1797% | 2,659 |
| Total domestic deposits to total assets | 90.5126% | 806 |
| Equity capital to assets | 8.3944% | 5,700 |
| Core capital (leverage) ratio | 8.4993% | 5,675 |
| Tier 1 risk-based capital ratio | 11.0739% | 6,134 |
| Total risk-based capital ratio | 12.0084% | 6,228 |
| Memoranda: | ||
| Average total assets | $1,024,873,000 | 644 |
| Average earning assets | $984,911,600 | 607 |
| Average equity | $90,979,200 | 776 |
| Average total loans | $673,128,000 | 622 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 2,935 |
| Cost of funding earning assets | 0.2371% | 6,178 |
| Net interest margin | 4.0758% | 1,702 |
| Noninterest income to average assets | 0.7010% | 2,604 |
| Noninterest expense to average assets | 2.4428% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.1727% | 274 |
| Return on assets (ROA) | 2.3130% | 222 |
| Pretax return on assets | 2.3130% | 311 |
| Return on Equity (ROE) | 25.6987% | 110 |
| Retained earnings to average equity (ytd only) | 5.5546% | 2,691 |
| Net charge-offs to loans | 0.0180% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 186.8823% | 311 |
| Efficiency ratio | 52.6718% | 6,210 |
| Assets per employee ($millions) | 4.6237% | 2,675 |
| Cash dividends to net income (ytd only)* | 78.3859% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 5,846 |
| Loan loss allowance to noncurrent loans | 110.8572% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 4,337 |
| Noncurrent loans to loans | 0.8747% | 4,067 |
| Net loans and leases to total assets | 68.3716% | 2,246 |
| Net loans and leases to deposits | 76.9971% | 2,818 |
| Net loans and leases to core deposits | 84.1098% | 2,641 |
| Total domestic deposits to total assets | 88.7976% | 1,671 |
| Equity capital to assets | 8.7243% | 5,492 |
| Core capital (leverage) ratio | 8.6990% | 5,539 |
| Tier 1 risk-based capital ratio | 11.6869% | 5,956 |
| Total risk-based capital ratio | 12.5952% | 6,099 |
| Memoranda: | ||
| Average total assets | $1,020,658,000 | 649 |
| Average earning assets | $980,254,000 | 615 |
| Average equity | $91,862,250 | 767 |
| Average total loans | $657,426,750 | 640 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 3,206 |
| Cost of funding earning assets | 0.2474% | 6,189 |
| Net interest margin | 3.9885% | 1,904 |
| Noninterest income to average assets | 0.6984% | 2,648 |
| Noninterest expense to average assets | 2.4543% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.0779% | 315 |
| Return on assets (ROA) | 2.2884% | 233 |
| Pretax return on assets | 2.2884% | 353 |
| Return on Equity (ROE) | 25.1685% | 121 |
| Retained earnings to average equity (ytd only) | 4.9867% | 3,064 |
| Net charge-offs to loans | -0.0159% | 5,890 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8971% | 6,153 |
| Assets per employee ($millions) | 4.7732% | 2,420 |
| Cash dividends to net income (ytd only)* | 80.1867% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 5,685 |
| Loan loss allowance to noncurrent loans | 173.7432% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,050 |
| Noncurrent loans to loans | 0.5962% | 4,765 |
| Net loans and leases to total assets | 66.2256% | 2,551 |
| Net loans and leases to deposits | 76.1604% | 2,850 |
| Net loans and leases to core deposits | 83.3889% | 2,642 |
| Total domestic deposits to total assets | 86.9554% | 2,844 |
| Equity capital to assets | 8.8310% | 5,414 |
| Core capital (leverage) ratio | 8.7648% | 5,336 |
| Tier 1 risk-based capital ratio | 12.0496% | 5,769 |
| Total risk-based capital ratio | 13.0225% | 5,890 |
| Memoranda: | ||
| Average total assets | $1,020,262,000 | 649 |
| Average earning assets | $980,673,330 | 614 |
| Average equity | $92,766,670 | 759 |
| Average total loans | $641,404,670 | 654 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 3,412 |
| Cost of funding earning assets | 0.2652% | 6,191 |
| Net interest margin | 3.9083% | 2,093 |
| Noninterest income to average assets | 0.6576% | 2,829 |
| Noninterest expense to average assets | 2.4908% | 4,785 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9267% | 389 |
| Return on assets (ROA) | 2.3451% | 205 |
| Pretax return on assets | 2.3451% | 333 |
| Return on Equity (ROE) | 25.4332% | 118 |
| Retained earnings to average equity (ytd only) | 4.9726% | 3,253 |
| Net charge-offs to loans | 0.0058% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 549.5556% | 61 |
| Efficiency ratio | 56.2169% | 6,041 |
| Assets per employee ($millions) | 4.6396% | 2,742 |
| Cash dividends to net income (ytd only)* | 80.4485% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0853% | 5,666 |
| Loan loss allowance to noncurrent loans | 138.9201% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.5905% | 4,912 |
| Noncurrent loans to loans | 0.7812% | 4,557 |
| Net loans and leases to total assets | 62.9433% | 2,894 |
| Net loans and leases to deposits | 69.6755% | 3,546 |
| Net loans and leases to core deposits | 76.2931% | 3,276 |
| Total domestic deposits to total assets | 90.3377% | 858 |
| Equity capital to assets | 9.3422% | 5,071 |
| Core capital (leverage) ratio | 8.4807% | 5,624 |
| Tier 1 risk-based capital ratio | 12.6210% | 5,503 |
| Total risk-based capital ratio | 13.6474% | 5,592 |
| Memoranda: | ||
| Average total assets | $1,026,820,500 | 650 |
| Average earning assets | $987,856,000 | 612 |
| Average equity | $94,679,500 | 756 |
| Average total loans | $625,122,500 | 669 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 3,481 |
| Cost of funding earning assets | 0.4291% | 5,727 |
| Net interest margin | 4.0523% | 2,187 |
| Noninterest income to average assets | 0.6203% | 3,164 |
| Noninterest expense to average assets | 2.3597% | 5,530 |
| Loan and lease loss provision to assets | -0.0774% | 6,904 |
| Net operating income to assets | 2.2227% | 242 |
| Return on assets (ROA) | 2.2227% | 268 |
| Pretax return on assets | 2.2227% | 392 |
| Return on Equity (ROE) | 25.5773% | 116 |
| Retained earnings to average equity (ytd only) | 6.8084% | 1,668 |
| Net charge-offs to loans | 0.1165% | 4,522 |
| Credit loss provision to net charge-offs | -110.9570% | 6,343 |
| Earnings coverage of net charge-offs (x) | 30.7573% | 993 |
| Efficiency ratio | 51.9584% | 6,467 |
| Assets per employee ($millions) | 4.9366% | 2,310 |
| Cash dividends to net income (ytd only)* | 73.3809% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 5,438 |
| Loan loss allowance to noncurrent loans | 135.0877% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 5,054 |
| Noncurrent loans to loans | 0.8375% | 4,517 |
| Net loans and leases to total assets | 57.5951% | 4,047 |
| Net loans and leases to deposits | 63.9051% | 4,544 |
| Net loans and leases to core deposits | 70.2518% | 4,275 |
| Total domestic deposits to total assets | 90.1260% | 887 |
| Equity capital to assets | 9.1048% | 5,397 |
| Core capital (leverage) ratio | 8.0084% | 6,186 |
| Tier 1 risk-based capital ratio | 12.4842% | 5,490 |
| Total risk-based capital ratio | 13.5157% | 5,579 |
| Memoranda: | ||
| Average total assets | $1,033,708,200 | 643 |
| Average earning assets | $990,935,200 | 592 |
| Average equity | $89,829,800 | 778 |
| Average total loans | $619,137,000 | 668 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 3,472 |
| Cost of funding earning assets | 0.4552% | 5,759 |
| Net interest margin | 4.0832% | 2,153 |
| Noninterest income to average assets | 0.5995% | 3,275 |
| Noninterest expense to average assets | 2.3577% | 5,523 |
| Loan and lease loss provision to assets | -0.0648% | 7,008 |
| Net operating income to assets | 2.2220% | 272 |
| Return on assets (ROA) | 2.2220% | 304 |
| Pretax return on assets | 2.2220% | 460 |
| Return on Equity (ROE) | 25.8848% | 126 |
| Retained earnings to average equity (ytd only) | 7.2435% | 1,981 |
| Net charge-offs to loans | 0.0988% | 4,395 |
| Credit loss provision to net charge-offs | -108.6957% | 6,255 |
| Earnings coverage of net charge-offs (x) | 36.2020% | 947 |
| Efficiency ratio | 51.7530% | 6,472 |
| Assets per employee ($millions) | 5.0817% | 2,070 |
| Cash dividends to net income (ytd only)* | 72.0166% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 5,257 |
| Loan loss allowance to noncurrent loans | 129.2220% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 5,192 |
| Noncurrent loans to loans | 0.9320% | 4,569 |
| Net loans and leases to total assets | 56.7726% | 4,335 |
| Net loans and leases to deposits | 62.4769% | 4,906 |
| Net loans and leases to core deposits | 69.4298% | 4,570 |
| Total domestic deposits to total assets | 90.8696% | 444 |
| Equity capital to assets | 8.7825% | 6,032 |
| Core capital (leverage) ratio | 8.0041% | 6,325 |
| Tier 1 risk-based capital ratio | 12.0719% | 5,903 |
| Total risk-based capital ratio | 13.1683% | 5,971 |
| Memoranda: | ||
| Average total assets | $1,029,263,250 | 647 |
| Average earning assets | $986,982,500 | 601 |
| Average equity | $88,353,250 | 791 |
| Average total loans | $620,787,250 | 666 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6510% | 3,136 |
| Cost of funding earning assets | 0.4728% | 5,810 |
| Net interest margin | 4.1782% | 1,813 |
| Noninterest income to average assets | 0.6074% | 3,213 |
| Noninterest expense to average assets | 2.4112% | 5,420 |
| Loan and lease loss provision to assets | -0.0395% | 7,062 |
| Net operating income to assets | 2.2385% | 268 |
| Return on assets (ROA) | 2.2385% | 304 |
| Pretax return on assets | 2.2385% | 461 |
| Return on Equity (ROE) | 26.2946% | 127 |
| Retained earnings to average equity (ytd only) | 5.0815% | 3,235 |
| Net charge-offs to loans | 0.0790% | 4,357 |
| Credit loss provision to net charge-offs | -81.6327% | 6,045 |
| Earnings coverage of net charge-offs (x) | 45.3959% | 792 |
| Efficiency ratio | 51.7691% | 6,518 |
| Assets per employee ($millions) | 4.9061% | 2,285 |
| Cash dividends to net income (ytd only)* | 80.6748% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 4,919 |
| Loan loss allowance to noncurrent loans | 125.6434% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 5,125 |
| Noncurrent loans to loans | 1.0290% | 4,454 |
| Net loans and leases to total assets | 59.0473% | 3,989 |
| Net loans and leases to deposits | 65.2753% | 4,608 |
| Net loans and leases to core deposits | 73.2191% | 4,137 |
| Total domestic deposits to total assets | 90.4588% | 690 |
| Equity capital to assets | 8.5440% | 6,166 |
| Core capital (leverage) ratio | 7.9644% | 6,311 |
| Tier 1 risk-based capital ratio | 11.8208% | 6,043 |
| Total risk-based capital ratio | 13.0053% | 6,067 |
| Memoranda: | ||
| Average total assets | $1,011,547,670 | 660 |
| Average earning assets | $969,073,330 | 614 |
| Average equity | $86,116,670 | 800 |
| Average total loans | $620,382,000 | 671 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 3,005 |
| Cost of funding earning assets | 0.4849% | 5,905 |
| Net interest margin | 4.2284% | 1,678 |
| Noninterest income to average assets | 0.6138% | 3,145 |
| Noninterest expense to average assets | 2.4563% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.2050% | 290 |
| Return on assets (ROA) | 2.2050% | 346 |
| Pretax return on assets | 2.2050% | 536 |
| Return on Equity (ROE) | 25.9489% | 164 |
| Retained earnings to average equity (ytd only) | 4.7274% | 3,727 |
| Net charge-offs to loans | 0.0013% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2,755.5000% | 2 |
| Efficiency ratio | 52.0172% | 6,540 |
| Assets per employee ($millions) | 4.8938% | 2,398 |
| Cash dividends to net income (ytd only)* | 81.7819% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 4,738 |
| Loan loss allowance to noncurrent loans | 153.3951% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6118% | 5,362 |
| Noncurrent loans to loans | 0.8916% | 4,884 |
| Net loans and leases to total assets | 60.1457% | 3,632 |
| Net loans and leases to deposits | 66.2144% | 4,342 |
| Net loans and leases to core deposits | 74.2107% | 3,876 |
| Total domestic deposits to total assets | 90.8348% | 625 |
| Equity capital to assets | 8.4329% | 6,144 |
| Core capital (leverage) ratio | 8.0972% | 6,164 |
| Tier 1 risk-based capital ratio | 11.7631% | 6,117 |
| Total risk-based capital ratio | 13.0157% | 6,094 |
| Memoranda: | ||
| Average total assets | $999,723,500 | 667 |
| Average earning assets | $956,957,000 | 627 |
| Average equity | $84,951,500 | 806 |
| Average total loans | $620,942,500 | 670 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 2,259 |
| Cost of funding earning assets | 0.5906% | 6,128 |
| Net interest margin | 4.5575% | 1,006 |
| Noninterest income to average assets | 0.6162% | 3,081 |
| Noninterest expense to average assets | 2.4453% | 5,649 |
| Loan and lease loss provision to assets | 0.0241% | 6,275 |
| Net operating income to assets | 2.5190% | 130 |
| Return on assets (ROA) | 2.5190% | 136 |
| Pretax return on assets | 2.5190% | 201 |
| Return on Equity (ROE) | 29.8650% | 45 |
| Retained earnings to average equity (ytd only) | 9.1778% | 754 |
| Net charge-offs to loans | 0.0988% | 5,360 |
| Credit loss provision to net charge-offs | 37.3134% | 5,674 |
| Earnings coverage of net charge-offs (x) | 39.4163% | 685 |
| Efficiency ratio | 48.0009% | 6,947 |
| Assets per employee ($millions) | 4.9820% | 2,226 |
| Cash dividends to net income (ytd only)* | 69.2690% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 4,648 |
| Loan loss allowance to noncurrent loans | 156.3842% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6477% | 5,367 |
| Noncurrent loans to loans | 0.8658% | 4,955 |
| Net loans and leases to total assets | 62.4169% | 3,517 |
| Net loans and leases to deposits | 68.7893% | 4,315 |
| Net loans and leases to core deposits | 77.7383% | 3,716 |
| Total domestic deposits to total assets | 90.7363% | 610 |
| Equity capital to assets | 8.5638% | 6,059 |
| Core capital (leverage) ratio | 8.0009% | 6,270 |
| Tier 1 risk-based capital ratio | 11.6555% | 6,055 |
| Total risk-based capital ratio | 12.9082% | 6,040 |
| Memoranda: | ||
| Average total assets | $934,617,600 | 695 |
| Average earning assets | $896,604,600 | 656 |
| Average equity | $78,831,400 | 855 |
| Average total loans | $610,295,800 | 686 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2381% | 2,069 |
| Cost of funding earning assets | 0.6092% | 6,249 |
| Net interest margin | 4.6289% | 897 |
| Noninterest income to average assets | 0.6293% | 2,995 |
| Noninterest expense to average assets | 2.4752% | 5,544 |
| Loan and lease loss provision to assets | 0.0325% | 6,035 |
| Net operating income to assets | 2.5625% | 139 |
| Return on assets (ROA) | 2.5625% | 145 |
| Pretax return on assets | 2.5625% | 221 |
| Return on Equity (ROE) | 30.5063% | 53 |
| Retained earnings to average equity (ytd only) | 9.0586% | 1,122 |
| Net charge-offs to loans | 0.0723% | 5,235 |
| Credit loss provision to net charge-offs | 68.3891% | 4,533 |
| Earnings coverage of net charge-offs (x) | 54.5253% | 600 |
| Efficiency ratio | 47.7845% | 6,972 |
| Assets per employee ($millions) | 4.7882% | 2,487 |
| Cash dividends to net income (ytd only)* | 70.3060% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 4,355 |
| Loan loss allowance to noncurrent loans | 124.0051% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 5,281 |
| Noncurrent loans to loans | 1.1641% | 4,593 |
| Net loans and leases to total assets | 61.2832% | 3,886 |
| Net loans and leases to deposits | 67.2669% | 4,730 |
| Net loans and leases to core deposits | 76.5697% | 4,118 |
| Total domestic deposits to total assets | 91.1045% | 405 |
| Equity capital to assets | 8.5344% | 6,265 |
| Core capital (leverage) ratio | 7.9971% | 6,403 |
| Tier 1 risk-based capital ratio | 11.6138% | 6,166 |
| Total risk-based capital ratio | 12.8679% | 6,154 |
| Memoranda: | ||
| Average total assets | $921,664,000 | 716 |
| Average earning assets | $884,240,500 | 674 |
| Average equity | $77,420,250 | 876 |
| Average total loans | $606,832,000 | 696 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3668% | 1,666 |
| Cost of funding earning assets | 0.6168% | 6,378 |
| Net interest margin | 4.7500% | 656 |
| Noninterest income to average assets | 0.6478% | 2,857 |
| Noninterest expense to average assets | 2.5365% | 5,412 |
| Loan and lease loss provision to assets | 0.0497% | 5,692 |
| Net operating income to assets | 2.6162% | 143 |
| Return on assets (ROA) | 2.6162% | 150 |
| Pretax return on assets | 2.6162% | 211 |
| Return on Equity (ROE) | 31.3250% | 62 |
| Retained earnings to average equity (ytd only) | 7.5501% | 1,639 |
| Net charge-offs to loans | 0.0846% | 4,794 |
| Credit loss provision to net charge-offs | 87.5486% | 3,529 |
| Earnings coverage of net charge-offs (x) | 46.9339% | 657 |
| Efficiency ratio | 47.6973% | 7,073 |
| Assets per employee ($millions) | 4.6483% | 2,616 |
| Cash dividends to net income (ytd only)* | 75.8976% | 891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 4,309 |
| Loan loss allowance to noncurrent loans | 143.5073% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6981% | 5,512 |
| Noncurrent loans to loans | 1.0143% | 4,965 |
| Net loans and leases to total assets | 64.3840% | 3,381 |
| Net loans and leases to deposits | 70.5906% | 4,355 |
| Net loans and leases to core deposits | 80.3659% | 3,731 |
| Total domestic deposits to total assets | 91.2076% | 426 |
| Equity capital to assets | 8.4257% | 6,271 |
| Core capital (leverage) ratio | 8.1082% | 6,154 |
| Tier 1 risk-based capital ratio | 11.6621% | 6,039 |
| Total risk-based capital ratio | 12.9152% | 6,036 |
| Memoranda: | ||
| Average total assets | $904,884,000 | 735 |
| Average earning assets | $867,669,000 | 693 |
| Average equity | $75,575,330 | 892 |
| Average total loans | $607,642,670 | 702 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 1,577 |
| Cost of funding earning assets | 0.6229% | 6,507 |
| Net interest margin | 4.7714% | 607 |
| Noninterest income to average assets | 0.6522% | 2,831 |
| Noninterest expense to average assets | 2.5945% | 5,248 |
| Loan and lease loss provision to assets | 0.1006% | 4,752 |
| Net operating income to assets | 2.5283% | 171 |
| Return on assets (ROA) | 2.5283% | 177 |
| Pretax return on assets | 2.5283% | 244 |
| Return on Equity (ROE) | 30.4111% | 76 |
| Retained earnings to average equity (ytd only) | 6.2586% | 2,488 |
| Net charge-offs to loans | 0.0105% | 4,947 |
| Credit loss provision to net charge-offs | 1,406.2500% | 284 |
| Earnings coverage of net charge-offs (x) | 367.5625% | 74 |
| Efficiency ratio | 48.5922% | 7,092 |
| Assets per employee ($millions) | 4.6598% | 2,642 |
| Cash dividends to net income (ytd only)* | 79.4201% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 4,360 |
| Loan loss allowance to noncurrent loans | 161.1914% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 5,656 |
| Noncurrent loans to loans | 0.9101% | 5,221 |
| Net loans and leases to total assets | 66.8082% | 2,811 |
| Net loans and leases to deposits | 73.4891% | 3,848 |
| Net loans and leases to core deposits | 84.1051% | 3,146 |
| Total domestic deposits to total assets | 90.9090% | 673 |
| Equity capital to assets | 8.2876% | 6,176 |
| Core capital (leverage) ratio | 8.1067% | 6,120 |
| Tier 1 risk-based capital ratio | 11.1766% | 6,372 |
| Total risk-based capital ratio | 12.4289% | 6,342 |
| Memoranda: | ||
| Average total assets | $894,823,500 | 750 |
| Average earning assets | $857,282,500 | 708 |
| Average equity | $74,394,000 | 899 |
| Average total loans | $609,288,000 | 708 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4600% | 2,433 |
| Cost of funding earning assets | 0.7576% | 6,710 |
| Net interest margin | 4.7023% | 813 |
| Noninterest income to average assets | 0.6916% | 2,888 |
| Noninterest expense to average assets | 2.5781% | 5,508 |
| Loan and lease loss provision to assets | 0.3428% | 4,090 |
| Net operating income to assets | 2.2644% | 163 |
| Return on assets (ROA) | 2.2644% | 169 |
| Pretax return on assets | 2.2644% | 271 |
| Return on Equity (ROE) | 26.6239% | 73 |
| Retained earnings to average equity (ytd only) | 6.8746% | 1,377 |
| Net charge-offs to loans | 0.0486% | 6,311 |
| Credit loss provision to net charge-offs | 1,076.9231% | 210 |
| Earnings coverage of net charge-offs (x) | 81.9121% | 296 |
| Efficiency ratio | 49.3356% | 7,183 |
| Assets per employee ($millions) | 4.4271% | 2,980 |
| Cash dividends to net income (ytd only)* | 74.1788% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 4,213 |
| Loan loss allowance to noncurrent loans | 121.8297% | 2,410 |
| Noncurrent assets plus other real estate owned to assets | 0.8713% | 5,269 |
| Noncurrent loans to loans | 1.2029% | 4,718 |
| Net loans and leases to total assets | 67.3846% | 3,128 |
| Net loans and leases to deposits | 75.7112% | 3,884 |
| Net loans and leases to core deposits | 86.9132% | 3,199 |
| Total domestic deposits to total assets | 89.0022% | 1,659 |
| Equity capital to assets | 8.3409% | 6,094 |
| Core capital (leverage) ratio | 8.0683% | 6,077 |
| Tier 1 risk-based capital ratio | 11.2807% | 6,108 |
| Total risk-based capital ratio | 12.5333% | 6,090 |
| Memoranda: | ||
| Average total assets | $857,723,000 | 787 |
| Average earning assets | $819,658,400 | 739 |
| Average equity | $72,949,600 | 915 |
| Average total loans | $561,892,600 | 800 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 2,504 |
| Cost of funding earning assets | 0.7894% | 6,792 |
| Net interest margin | 4.6935% | 855 |
| Noninterest income to average assets | 0.6816% | 2,933 |
| Noninterest expense to average assets | 2.6249% | 5,220 |
| Loan and lease loss provision to assets | 0.3451% | 3,850 |
| Net operating income to assets | 2.1884% | 244 |
| Return on assets (ROA) | 2.1884% | 262 |
| Pretax return on assets | 2.1884% | 423 |
| Return on Equity (ROE) | 25.6034% | 107 |
| Retained earnings to average equity (ytd only) | 8.6022% | 1,204 |
| Net charge-offs to loans | 0.0860% | 5,673 |
| Credit loss provision to net charge-offs | 619.3820% | 475 |
| Earnings coverage of net charge-offs (x) | 45.4724% | 608 |
| Efficiency ratio | 50.4945% | 7,117 |
| Assets per employee ($millions) | 4.3555% | 3,158 |
| Cash dividends to net income (ytd only)* | 66.4021% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 4,244 |
| Loan loss allowance to noncurrent loans | 123.7029% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 5,371 |
| Noncurrent loans to loans | 1.1663% | 4,917 |
| Net loans and leases to total assets | 63.1377% | 4,293 |
| Net loans and leases to deposits | 70.3309% | 5,098 |
| Net loans and leases to core deposits | 81.1302% | 4,367 |
| Total domestic deposits to total assets | 89.7723% | 985 |
| Equity capital to assets | 8.8190% | 5,829 |
| Core capital (leverage) ratio | 8.0602% | 6,259 |
| Tier 1 risk-based capital ratio | 11.7974% | 5,638 |
| Total risk-based capital ratio | 13.0510% | 5,618 |
| Memoranda: | ||
| Average total assets | $851,907,250 | 791 |
| Average earning assets | $812,586,000 | 752 |
| Average equity | $72,816,500 | 913 |
| Average total loans | $551,746,250 | 819 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4950% | 2,534 |
| Cost of funding earning assets | 0.8143% | 6,864 |
| Net interest margin | 4.6807% | 840 |
| Noninterest income to average assets | 0.6720% | 2,874 |
| Noninterest expense to average assets | 2.6303% | 5,204 |
| Loan and lease loss provision to assets | 0.3471% | 3,644 |
| Net operating income to assets | 2.1576% | 251 |
| Return on assets (ROA) | 2.1576% | 275 |
| Pretax return on assets | 2.1576% | 442 |
| Return on Equity (ROE) | 25.5190% | 115 |
| Retained earnings to average equity (ytd only) | 8.5296% | 1,255 |
| Net charge-offs to loans | 0.1460% | 4,774 |
| Credit loss provision to net charge-offs | 365.6716% | 998 |
| Earnings coverage of net charge-offs (x) | 26.3856% | 1,006 |
| Efficiency ratio | 50.8277% | 7,168 |
| Assets per employee ($millions) | 4.3576% | 3,121 |
| Cash dividends to net income (ytd only)* | 66.5755% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 4,930 |
| Loan loss allowance to noncurrent loans | 159.0059% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.6407% | 5,885 |
| Noncurrent loans to loans | 0.8162% | 5,644 |
| Net loans and leases to total assets | 63.4107% | 4,372 |
| Net loans and leases to deposits | 70.1223% | 5,264 |
| Net loans and leases to core deposits | 80.5593% | 4,618 |
| Total domestic deposits to total assets | 90.4288% | 711 |
| Equity capital to assets | 8.4852% | 6,176 |
| Core capital (leverage) ratio | 8.0440% | 6,211 |
| Tier 1 risk-based capital ratio | 11.5031% | 5,768 |
| Total risk-based capital ratio | 12.7270% | 5,764 |
| Memoranda: | ||
| Average total assets | $846,962,670 | 798 |
| Average earning assets | $807,563,670 | 750 |
| Average equity | $71,609,330 | 927 |
| Average total loans | $550,578,000 | 836 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5102% | 2,536 |
| Cost of funding earning assets | 0.8270% | 7,011 |
| Net interest margin | 4.6832% | 807 |
| Noninterest income to average assets | 0.6811% | 2,728 |
| Noninterest expense to average assets | 2.6714% | 5,054 |
| Loan and lease loss provision to assets | 0.3513% | 3,271 |
| Net operating income to assets | 2.1189% | 287 |
| Return on assets (ROA) | 2.1189% | 311 |
| Pretax return on assets | 2.1189% | 486 |
| Return on Equity (ROE) | 25.1078% | 158 |
| Retained earnings to average equity (ytd only) | 8.7903% | 1,460 |
| Net charge-offs to loans | 0.1527% | 4,017 |
| Credit loss provision to net charge-offs | 351.6746% | 1,151 |
| Earnings coverage of net charge-offs (x) | 24.7273% | 1,005 |
| Efficiency ratio | 51.5571% | 7,189 |
| Assets per employee ($millions) | 4.2803% | 3,323 |
| Cash dividends to net income (ytd only)* | 64.9898% | 1,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 5,356 |
| Loan loss allowance to noncurrent loans | 118.6236% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7491% | 5,655 |
| Noncurrent loans to loans | 1.0342% | 5,267 |
| Net loans and leases to total assets | 62.9045% | 4,559 |
| Net loans and leases to deposits | 69.7085% | 5,391 |
| Net loans and leases to core deposits | 79.5118% | 4,829 |
| Total domestic deposits to total assets | 90.2394% | 866 |
| Equity capital to assets | 8.3774% | 6,189 |
| Core capital (leverage) ratio | 8.1174% | 6,040 |
| Tier 1 risk-based capital ratio | 11.6189% | 5,555 |
| Total risk-based capital ratio | 12.7878% | 5,612 |
| Memoranda: | ||
| Average total assets | $836,860,500 | 826 |
| Average earning assets | $797,069,500 | 777 |
| Average equity | $70,623,500 | 937 |
| Average total loans | $547,313,500 | 858 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8003% | 2,648 |
| Cost of funding earning assets | 1.2027% | 6,650 |
| Net interest margin | 4.5975% | 992 |
| Noninterest income to average assets | 0.7624% | 2,603 |
| Noninterest expense to average assets | 2.7731% | 5,077 |
| Loan and lease loss provision to assets | 0.4640% | 4,051 |
| Net operating income to assets | 1.9053% | 288 |
| Return on assets (ROA) | 1.9053% | 294 |
| Pretax return on assets | 1.9053% | 502 |
| Return on Equity (ROE) | 22.6936% | 141 |
| Retained earnings to average equity (ytd only) | 10.6363% | 308 |
| Net charge-offs to loans | 0.2524% | 5,044 |
| Credit loss provision to net charge-offs | 270.4257% | 1,283 |
| Earnings coverage of net charge-offs (x) | 13.8088% | 1,401 |
| Efficiency ratio | 53.4973% | 7,279 |
| Assets per employee ($millions) | 4.1089% | 3,596 |
| Cash dividends to net income (ytd only)* | 53.1307% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 5,800 |
| Loan loss allowance to noncurrent loans | 103.0607% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 5,561 |
| Noncurrent loans to loans | 1.0882% | 5,142 |
| Net loans and leases to total assets | 66.4427% | 4,048 |
| Net loans and leases to deposits | 76.6673% | 4,634 |
| Net loans and leases to core deposits | 100.4213% | 3,953 |
| Total domestic deposits to total assets | 86.6637% | 2,672 |
| Equity capital to assets | 8.5037% | 5,872 |
| Core capital (leverage) ratio | 7.9998% | 6,195 |
| Tier 1 risk-based capital ratio | 11.2066% | 5,712 |
| Total risk-based capital ratio | 12.2706% | 5,864 |
| Memoranda: | ||
| Average total assets | $780,389,000 | 873 |
| Average earning assets | $743,467,800 | 838 |
| Average equity | $65,520,600 | 1,012 |
| Average total loans | $530,544,200 | 901 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8010% | 2,888 |
| Cost of funding earning assets | 1.2746% | 6,643 |
| Net interest margin | 4.5264% | 1,129 |
| Noninterest income to average assets | 0.7672% | 2,613 |
| Noninterest expense to average assets | 2.8635% | 4,597 |
| Loan and lease loss provision to assets | 0.4705% | 3,553 |
| Net operating income to assets | 1.7458% | 511 |
| Return on assets (ROA) | 1.7458% | 537 |
| Pretax return on assets | 1.7458% | 889 |
| Return on Equity (ROE) | 20.8640% | 269 |
| Retained earnings to average equity (ytd only) | 11.1057% | 459 |
| Net charge-offs to loans | 0.2792% | 4,286 |
| Credit loss provision to net charge-offs | 247.1390% | 1,750 |
| Earnings coverage of net charge-offs (x) | 11.6413% | 1,836 |
| Efficiency ratio | 55.9315% | 7,009 |
| Assets per employee ($millions) | 4.0094% | 3,715 |
| Cash dividends to net income (ytd only)* | 46.7710% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0089% | 6,233 |
| Loan loss allowance to noncurrent loans | 78.0917% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 5,213 |
| Noncurrent loans to loans | 1.2920% | 4,781 |
| Net loans and leases to total assets | 67.2958% | 4,117 |
| Net loans and leases to deposits | 76.1320% | 5,013 |
| Net loans and leases to core deposits | 100.5169% | 4,320 |
| Total domestic deposits to total assets | 88.3936% | 1,478 |
| Equity capital to assets | 8.4994% | 6,254 |
| Core capital (leverage) ratio | 7.9679% | 6,414 |
| Tier 1 risk-based capital ratio | 10.9966% | 5,957 |
| Total risk-based capital ratio | 11.9534% | 6,221 |
| Memoranda: | ||
| Average total assets | $771,068,500 | 899 |
| Average earning assets | $734,630,500 | 859 |
| Average equity | $64,517,750 | 1,040 |
| Average total loans | $525,819,000 | 920 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7913% | 3,091 |
| Cost of funding earning assets | 1.3382% | 6,683 |
| Net interest margin | 4.4531% | 1,280 |
| Noninterest income to average assets | 0.7589% | 2,650 |
| Noninterest expense to average assets | 2.9332% | 4,367 |
| Loan and lease loss provision to assets | 0.2892% | 4,260 |
| Net operating income to assets | 1.7776% | 491 |
| Return on assets (ROA) | 1.7776% | 532 |
| Pretax return on assets | 1.7776% | 883 |
| Return on Equity (ROE) | 21.3631% | 266 |
| Retained earnings to average equity (ytd only) | 12.0874% | 428 |
| Net charge-offs to loans | 0.2799% | 3,796 |
| Credit loss provision to net charge-offs | 151.3067% | 3,045 |
| Earnings coverage of net charge-offs (x) | 10.8143% | 1,957 |
| Efficiency ratio | 58.2124% | 6,834 |
| Assets per employee ($millions) | 4.0892% | 3,515 |
| Cash dividends to net income (ytd only)* | 43.4191% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7858% | 7,198 |
| Loan loss allowance to noncurrent loans | 84.6368% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 5,407 |
| Noncurrent loans to loans | 0.9284% | 5,359 |
| Net loans and leases to total assets | 68.0424% | 4,145 |
| Net loans and leases to deposits | 77.5022% | 4,942 |
| Net loans and leases to core deposits | 101.8782% | 4,290 |
| Total domestic deposits to total assets | 87.7941% | 1,874 |
| Equity capital to assets | 8.2078% | 6,477 |
| Core capital (leverage) ratio | 8.0083% | 6,317 |
| Tier 1 risk-based capital ratio | 10.7352% | 6,153 |
| Total risk-based capital ratio | 11.4755% | 6,612 |
| Memoranda: | ||
| Average total assets | $760,798,330 | 926 |
| Average earning assets | $724,568,670 | 882 |
| Average equity | $63,305,330 | 1,075 |
| Average total loans | $519,381,670 | 956 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8431% | 3,077 |
| Cost of funding earning assets | 1.4199% | 6,664 |
| Net interest margin | 4.4232% | 1,291 |
| Noninterest income to average assets | 0.7715% | 2,476 |
| Noninterest expense to average assets | 3.0159% | 3,693 |
| Loan and lease loss provision to assets | 0.1607% | 4,879 |
| Net operating income to assets | 1.7959% | 531 |
| Return on assets (ROA) | 1.7959% | 586 |
| Pretax return on assets | 1.7959% | 980 |
| Return on Equity (ROE) | 21.4291% | 334 |
| Retained earnings to average equity (ytd only) | 7.5565% | 1,999 |
| Net charge-offs to loans | 0.4406% | 2,350 |
| Credit loss provision to net charge-offs | 53.5714% | 4,620 |
| Earnings coverage of net charge-offs (x) | 6.5214% | 2,487 |
| Efficiency ratio | 60.1875% | 6,378 |
| Assets per employee ($millions) | 3.9493% | 3,772 |
| Cash dividends to net income (ytd only)* | 64.7375% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 7,450 |
| Loan loss allowance to noncurrent loans | 67.9047% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 4,928 |
| Noncurrent loans to loans | 1.0224% | 4,951 |
| Net loans and leases to total assets | 68.2863% | 4,067 |
| Net loans and leases to deposits | 78.2719% | 4,878 |
| Net loans and leases to core deposits | 100.7658% | 4,465 |
| Total domestic deposits to total assets | 87.2424% | 2,096 |
| Equity capital to assets | 8.3714% | 6,282 |
| Core capital (leverage) ratio | 8.0417% | 6,395 |
| Tier 1 risk-based capital ratio | 10.6582% | 6,228 |
| Total risk-based capital ratio | 11.3122% | 6,761 |
| Memoranda: | ||
| Average total assets | $746,586,000 | 934 |
| Average earning assets | $709,078,500 | 903 |
| Average equity | $62,569,000 | 1,086 |
| Average total loans | $508,443,000 | 982 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2205% | 4,412 |
| Cost of funding earning assets | 1.8995% | 6,728 |
| Net interest margin | 4.3210% | 1,915 |
| Noninterest income to average assets | 0.9164% | 1,902 |
| Noninterest expense to average assets | 2.8172% | 4,750 |
| Loan and lease loss provision to assets | 0.0212% | 7,126 |
| Net operating income to assets | 2.1762% | 251 |
| Return on assets (ROA) | 2.1840% | 244 |
| Pretax return on assets | 2.1840% | 414 |
| Return on Equity (ROE) | 27.0475% | 95 |
| Retained earnings to average equity (ytd only) | 8.5894% | 679 |
| Net charge-offs to loans | 0.1123% | 5,147 |
| Credit loss provision to net charge-offs | 29.5858% | 6,530 |
| Earnings coverage of net charge-offs (x) | 30.7140% | 1,153 |
| Efficiency ratio | 55.6956% | 7,054 |
| Assets per employee ($millions) | 3.9091% | 3,710 |
| Cash dividends to net income (ytd only)* | 68.2432% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 7,165 |
| Loan loss allowance to noncurrent loans | 63.5545% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 4,582 |
| Noncurrent loans to loans | 1.2321% | 4,047 |
| Net loans and leases to total assets | 66.8921% | 4,659 |
| Net loans and leases to deposits | 77.4100% | 5,421 |
| Net loans and leases to core deposits | 96.2529% | 5,233 |
| Total domestic deposits to total assets | 86.4128% | 2,212 |
| Equity capital to assets | 8.3903% | 6,274 |
| Core capital (leverage) ratio | 8.0084% | 6,475 |
| Tier 1 risk-based capital ratio | 10.8598% | 5,852 |
| Total risk-based capital ratio | 11.5894% | 6,252 |
| Memoranda: | ||
| Average total assets | $708,655,400 | 944 |
| Average earning assets | $672,116,800 | 906 |
| Average equity | $57,221,600 | 1,171 |
| Average total loans | $451,354,800 | 1,066 |