Home > Alerus Financial > Performance and Condition Ratios
Alerus Financial, 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 | 4.6337% | 2,818 |
| Cost of funding earning assets | 2.0898% | 794 |
| Net interest margin | 2.5439% | 4,046 |
| Noninterest income to average assets | 2.7200% | 196 |
| Noninterest expense to average assets | 3.8149% | 424 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9262% | 2,465 |
| Return on assets (ROA) | 0.4203% | 3,826 |
| Pretax return on assets | 0.5684% | 3,692 |
| Return on Equity (ROE) | 4.7100% | 3,773 |
| Retained earnings to average equity (ytd only) | -1.4050% | 4,221 |
| Net charge-offs to loans | -0.0413% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.4284% | 1,622 |
| Assets per employee ($millions) | 5.1810% | 3,492 |
| Cash dividends to net income (ytd only)* | 129.8300% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 1,788 |
| Loan loss allowance to noncurrent loans | 410.3847% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.2248% | 2,102 |
| Noncurrent loans to loans | 0.3156% | 2,057 |
| Net loans and leases to total assets | 70.3000% | 1,776 |
| Net loans and leases to deposits | 86.2711% | 1,598 |
| Net loans and leases to core deposits | 89.7232% | 2,072 |
| Total domestic deposits to total assets | 81.4900% | 3,228 |
| Equity capital to assets | 9.1100% | 2,601 |
| Core capital (leverage) ratio | 9.9185% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5138% | 2,406 |
| Memoranda: | ||
| Average total assets | $3,848,361,600 | 332 |
| Average earning assets | $3,558,307,000 | 322 |
| Average equity | $343,420,600 | 353 |
| Average total loans | $2,580,356,600 | 337 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 2,868 |
| Cost of funding earning assets | 1.9518% | 778 |
| Net interest margin | 2.5678% | 4,068 |
| Noninterest income to average assets | 2.7600% | 210 |
| Noninterest expense to average assets | 3.7866% | 426 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.0430% | 2,240 |
| Return on assets (ROA) | 1.0430% | 2,227 |
| Pretax return on assets | 1.3251% | 1,958 |
| Return on Equity (ROE) | 11.7500% | 2,194 |
| Retained earnings to average equity (ytd only) | 7.6412% | 2,097 |
| Net charge-offs to loans | -0.0435% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.1121% | 1,665 |
| Assets per employee ($millions) | 5.1387% | 3,487 |
| Cash dividends to net income (ytd only)* | 34.9650% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 1,514 |
| Loan loss allowance to noncurrent loans | 402.8641% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2331% | 2,091 |
| Noncurrent loans to loans | 0.3435% | 2,001 |
| Net loans and leases to total assets | 66.9300% | 2,168 |
| Net loans and leases to deposits | 87.8650% | 1,402 |
| Net loans and leases to core deposits | 90.9134% | 1,859 |
| Total domestic deposits to total assets | 76.1800% | 3,995 |
| Equity capital to assets | 8.7602% | 2,563 |
| Core capital (leverage) ratio | 10.7157% | 2,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8641% | 1,946 |
| Memoranda: | ||
| Average total assets | $3,839,008,000 | 336 |
| Average earning assets | $3,545,575,500 | 326 |
| Average equity | $340,777,500 | 360 |
| Average total loans | $2,533,549,500 | 342 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 2,850 |
| Cost of funding earning assets | 1.7476% | 818 |
| Net interest margin | 2.6668% | 4,015 |
| Noninterest income to average assets | 2.6600% | 192 |
| Noninterest expense to average assets | 3.7839% | 409 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.0228% | 2,348 |
| Return on assets (ROA) | 1.0228% | 2,336 |
| Pretax return on assets | 1.3158% | 2,036 |
| Return on Equity (ROE) | 11.4700% | 2,305 |
| Retained earnings to average equity (ytd only) | 8.3975% | 1,851 |
| Net charge-offs to loans | -0.0186% | 4,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.0868% | 1,659 |
| Assets per employee ($millions) | 5.0248% | 3,577 |
| Cash dividends to net income (ytd only)* | 26.7994% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 1,541 |
| Loan loss allowance to noncurrent loans | 1,598.5670% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,186 |
| Noncurrent loans to loans | 0.0874% | 3,068 |
| Net loans and leases to total assets | 65.7800% | 2,179 |
| Net loans and leases to deposits | 86.0924% | 1,498 |
| Net loans and leases to core deposits | 88.9572% | 1,865 |
| Total domestic deposits to total assets | 76.4100% | 4,012 |
| Equity capital to assets | 9.0384% | 2,493 |
| Core capital (leverage) ratio | 10.5919% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1385% | 1,834 |
| Memoranda: | ||
| Average total assets | $3,830,573,667 | 325 |
| Average earning assets | $3,540,625,333 | 316 |
| Average equity | $341,530,000 | 347 |
| Average total loans | $2,503,807,333 | 330 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 2,888 |
| Cost of funding earning assets | 1.5227% | 805 |
| Net interest margin | 2.7428% | 4,020 |
| Noninterest income to average assets | 2.6300% | 181 |
| Noninterest expense to average assets | 3.8627% | 391 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9727% | 2,615 |
| Return on assets (ROA) | 0.9727% | 2,580 |
| Pretax return on assets | 1.2530% | 2,294 |
| Return on Equity (ROE) | 10.9900% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.7951% | 3,066 |
| Net charge-offs to loans | 0.0274% | 1,144 |
| Credit loss provision to net charge-offs | 158.2353% | 924 |
| Earnings coverage of net charge-offs (x) | 73.8353% | 929 |
| Efficiency ratio | 71.9965% | 1,532 |
| Assets per employee ($millions) | 4.9997% | 3,661 |
| Cash dividends to net income (ytd only)* | 56.3486% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 1,611 |
| Loan loss allowance to noncurrent loans | 1,657.3182% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.0545% | 3,240 |
| Noncurrent loans to loans | 0.0846% | 3,139 |
| Net loans and leases to total assets | 63.5400% | 2,292 |
| Net loans and leases to deposits | 79.2619% | 1,874 |
| Net loans and leases to core deposits | 81.1146% | 2,175 |
| Total domestic deposits to total assets | 80.1700% | 3,740 |
| Equity capital to assets | 8.7582% | 2,690 |
| Core capital (leverage) ratio | 10.2375% | 2,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8703% | 2,018 |
| Memoranda: | ||
| Average total assets | $3,831,404,000 | 336 |
| Average earning assets | $3,545,543,000 | 324 |
| Average equity | $339,259,500 | 361 |
| Average total loans | $2,478,503,500 | 344 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4298% | 3,271 |
| Cost of funding earning assets | 0.4023% | 2,080 |
| Net interest margin | 3.0275% | 3,372 |
| Noninterest income to average assets | 3.1700% | 172 |
| Noninterest expense to average assets | 4.3392% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2587% | 1,573 |
| Return on assets (ROA) | 1.2587% | 1,517 |
| Pretax return on assets | 1.6483% | 1,042 |
| Return on Equity (ROE) | 13.6400% | 1,617 |
| Retained earnings to average equity (ytd only) | 7.9083% | 1,871 |
| Net charge-offs to loans | 0.0205% | 1,682 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 135.3146% | 837 |
| Efficiency ratio | 70.3512% | 1,637 |
| Assets per employee ($millions) | 4.6130% | 3,961 |
| Cash dividends to net income (ytd only)* | 42.0292% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 2,048 |
| Loan loss allowance to noncurrent loans | 820.9278% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,838 |
| Noncurrent loans to loans | 0.1546% | 2,722 |
| Net loans and leases to total assets | 64.1200% | 2,230 |
| Net loans and leases to deposits | 80.7580% | 1,715 |
| Net loans and leases to core deposits | 82.1572% | 1,996 |
| Total domestic deposits to total assets | 79.3900% | 3,956 |
| Equity capital to assets | 8.9539% | 2,389 |
| Core capital (leverage) ratio | 10.4850% | 2,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8277% | 2,044 |
| Memoranda: | ||
| Average total assets | $3,497,145,600 | 344 |
| Average earning assets | $3,249,811,400 | 337 |
| Average equity | $322,661,800 | 371 |
| Average total loans | $2,077,372,800 | 368 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 3,534 |
| Cost of funding earning assets | 0.2029% | 3,230 |
| Net interest margin | 2.9584% | 3,332 |
| Noninterest income to average assets | 3.3300% | 169 |
| Noninterest expense to average assets | 4.4496% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2559% | 1,504 |
| Return on assets (ROA) | 1.2559% | 1,474 |
| Pretax return on assets | 1.6342% | 1,039 |
| Return on Equity (ROE) | 13.5000% | 1,565 |
| Retained earnings to average equity (ytd only) | 7.8549% | 2,057 |
| Net charge-offs to loans | 0.0406% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 69.5414% | 1,110 |
| Efficiency ratio | 71.1471% | 1,622 |
| Assets per employee ($millions) | 4.4774% | 4,074 |
| Cash dividends to net income (ytd only)* | 41.8229% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 1,937 |
| Loan loss allowance to noncurrent loans | 583.9713% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1669% | 2,454 |
| Noncurrent loans to loans | 0.2262% | 2,483 |
| Net loans and leases to total assets | 62.7000% | 2,219 |
| Net loans and leases to deposits | 76.1161% | 1,866 |
| Net loans and leases to core deposits | 77.6748% | 2,061 |
| Total domestic deposits to total assets | 82.3800% | 3,772 |
| Equity capital to assets | 8.8708% | 2,304 |
| Core capital (leverage) ratio | 11.1210% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1141% | 2,009 |
| Memoranda: | ||
| Average total assets | $3,426,915,500 | 354 |
| Average earning assets | $3,190,639,750 | 341 |
| Average equity | $318,756,000 | 375 |
| Average total loans | $1,983,345,500 | 377 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0456% | 3,440 |
| Cost of funding earning assets | 0.1231% | 3,926 |
| Net interest margin | 2.9224% | 3,108 |
| Noninterest income to average assets | 3.5155% | 132 |
| Noninterest expense to average assets | 4.5331% | 207 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3230% | 1,086 |
| Return on assets (ROA) | 1.3230% | 1,067 |
| Pretax return on assets | 1.7117% | 733 |
| Return on Equity (ROE) | 13.9854% | 1,118 |
| Retained earnings to average equity (ytd only) | 11.4531% | 708 |
| Net charge-offs to loans | 0.0214% | 1,301 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 143.6181% | 668 |
| Efficiency ratio | 70.5704% | 1,876 |
| Assets per employee ($millions) | 4.0754% | 4,330 |
| Cash dividends to net income (ytd only)* | 18.1069% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6133% | 1,116 |
| Loan loss allowance to noncurrent loans | 717.9176% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 2,597 |
| Noncurrent loans to loans | 0.2247% | 2,598 |
| Net loans and leases to total assets | 58.1017% | 2,526 |
| Net loans and leases to deposits | 70.9602% | 2,115 |
| Net loans and leases to core deposits | 72.6627% | 2,271 |
| Total domestic deposits to total assets | 81.8792% | 4,021 |
| Equity capital to assets | 8.9334% | 2,424 |
| Core capital (leverage) ratio | 10.1206% | 2,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8949% | 1,734 |
| Memoranda: | ||
| Average total assets | $3,339,428,333 | 353 |
| Average earning assets | $3,118,634,667 | 345 |
| Average equity | $315,915,000 | 376 |
| Average total loans | $1,863,007,333 | 388 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9256% | 3,469 |
| Cost of funding earning assets | 0.1052% | 4,066 |
| Net interest margin | 2.8204% | 3,074 |
| Noninterest income to average assets | 3.5061% | 140 |
| Noninterest expense to average assets | 4.4364% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3310% | 936 |
| Return on assets (ROA) | 1.3310% | 928 |
| Pretax return on assets | 1.7146% | 662 |
| Return on Equity (ROE) | 13.6957% | 889 |
| Retained earnings to average equity (ytd only) | 8.7996% | 1,328 |
| Net charge-offs to loans | -0.0310% | 4,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0890% | 2,215 |
| Assets per employee ($millions) | 3.9278% | 4,431 |
| Cash dividends to net income (ytd only)* | 35.7494% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 1,016 |
| Loan loss allowance to noncurrent loans | 752.3843% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,729 |
| Noncurrent loans to loans | 0.2291% | 2,678 |
| Net loans and leases to total assets | 54.2229% | 2,729 |
| Net loans and leases to deposits | 60.8046% | 2,827 |
| Net loans and leases to core deposits | 62.5525% | 2,927 |
| Total domestic deposits to total assets | 89.1757% | 1,990 |
| Equity capital to assets | 9.3365% | 2,412 |
| Core capital (leverage) ratio | 9.5001% | 2,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7685% | 1,888 |
| Memoranda: | ||
| Average total assets | $3,362,690,500 | 352 |
| Average earning assets | $3,153,427,000 | 345 |
| Average equity | $326,788,000 | 379 |
| Average total loans | $1,822,208,000 | 393 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1117% | 3,662 |
| Cost of funding earning assets | 0.1229% | 4,201 |
| Net interest margin | 2.9888% | 3,225 |
| Noninterest income to average assets | 4.6448% | 118 |
| Noninterest expense to average assets | 5.2195% | 162 |
| Loan and lease loss provision to assets | -0.1102% | 4,556 |
| Net operating income to assets | 1.7802% | 530 |
| Return on assets (ROA) | 1.7833% | 548 |
| Pretax return on assets | 2.3413% | 326 |
| Return on Equity (ROE) | 17.2649% | 551 |
| Retained earnings to average equity (ytd only) | 12.3881% | 486 |
| Net charge-offs to loans | -0.0426% | 4,250 |
| Credit loss provision to net charge-offs | 423.7288% | 883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2400% | 1,945 |
| Assets per employee ($millions) | 4.1757% | 4,339 |
| Cash dividends to net income (ytd only)* | 28.2471% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7496% | 949 |
| Loan loss allowance to noncurrent loans | 1,437.0505% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 3,308 |
| Noncurrent loans to loans | 0.1218% | 3,321 |
| Net loans and leases to total assets | 52.2892% | 3,029 |
| Net loans and leases to deposits | 59.0526% | 3,161 |
| Net loans and leases to core deposits | 60.9093% | 3,251 |
| Total domestic deposits to total assets | 88.5468% | 1,766 |
| Equity capital to assets | 10.0933% | 2,564 |
| Core capital (leverage) ratio | 9.0111% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1181% | 1,807 |
| Memoranda: | ||
| Average total assets | $3,176,323,400 | 358 |
| Average earning assets | $2,977,671,800 | 351 |
| Average equity | $328,082,000 | 370 |
| Average total loans | $1,937,160,200 | 372 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1235% | 3,761 |
| Cost of funding earning assets | 0.1269% | 4,291 |
| Net interest margin | 2.9966% | 3,316 |
| Noninterest income to average assets | 4.8565% | 117 |
| Noninterest expense to average assets | 5.3484% | 150 |
| Loan and lease loss provision to assets | -0.0854% | 4,570 |
| Net operating income to assets | 1.8282% | 628 |
| Return on assets (ROA) | 1.8324% | 654 |
| Pretax return on assets | 2.4027% | 391 |
| Return on Equity (ROE) | 17.6316% | 675 |
| Retained earnings to average equity (ytd only) | 12.7018% | 685 |
| Net charge-offs to loans | 0.0122% | 1,879 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,877 |
| Earnings coverage of net charge-offs (x) | 300.8278% | 435 |
| Efficiency ratio | 67.9648% | 1,840 |
| Assets per employee ($millions) | 3.8466% | 4,525 |
| Cash dividends to net income (ytd only)* | 27.9603% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7228% | 1,065 |
| Loan loss allowance to noncurrent loans | 514.7857% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 2,666 |
| Noncurrent loans to loans | 0.3347% | 2,584 |
| Net loans and leases to total assets | 57.6420% | 2,542 |
| Net loans and leases to deposits | 65.4833% | 2,681 |
| Net loans and leases to core deposits | 67.4211% | 2,824 |
| Total domestic deposits to total assets | 88.0254% | 1,828 |
| Equity capital to assets | 10.6296% | 2,337 |
| Core capital (leverage) ratio | 9.1143% | 3,426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0276% | 1,958 |
| Memoranda: | ||
| Average total assets | $3,122,744,250 | 365 |
| Average earning assets | $2,921,903,500 | 358 |
| Average equity | $324,545,500 | 374 |
| Average total loans | $1,970,322,750 | 371 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1592% | 3,752 |
| Cost of funding earning assets | 0.1308% | 4,346 |
| Net interest margin | 3.0284% | 3,247 |
| Noninterest income to average assets | 5.0044% | 115 |
| Noninterest expense to average assets | 5.4052% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.8562% | 641 |
| Return on assets (ROA) | 1.8620% | 660 |
| Pretax return on assets | 2.4402% | 391 |
| Return on Equity (ROE) | 18.0564% | 645 |
| Retained earnings to average equity (ytd only) | 13.0608% | 708 |
| Net charge-offs to loans | 0.0479% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 78.5468% | 843 |
| Efficiency ratio | 67.1210% | 2,000 |
| Assets per employee ($millions) | 3.7791% | 4,563 |
| Cash dividends to net income (ytd only)* | 27.6663% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7750% | 924 |
| Loan loss allowance to noncurrent loans | 485.1149% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 2,690 |
| Noncurrent loans to loans | 0.3659% | 2,595 |
| Net loans and leases to total assets | 59.2104% | 2,521 |
| Net loans and leases to deposits | 66.9663% | 2,724 |
| Net loans and leases to core deposits | 68.4743% | 2,920 |
| Total domestic deposits to total assets | 88.4182% | 1,610 |
| Equity capital to assets | 10.4350% | 2,454 |
| Core capital (leverage) ratio | 8.9753% | 3,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8227% | 2,040 |
| Memoranda: | ||
| Average total assets | $3,105,846,333 | 362 |
| Average earning assets | $2,906,081,333 | 357 |
| Average equity | $320,286,000 | 375 |
| Average total loans | $2,006,664,333 | 364 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2439% | 3,598 |
| Cost of funding earning assets | 0.1384% | 4,389 |
| Net interest margin | 3.1055% | 2,967 |
| Noninterest income to average assets | 5.2957% | 119 |
| Noninterest expense to average assets | 5.4551% | 148 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0935% | 497 |
| Return on assets (ROA) | 2.1052% | 529 |
| Pretax return on assets | 2.7539% | 320 |
| Return on Equity (ROE) | 20.5390% | 499 |
| Retained earnings to average equity (ytd only) | 15.4724% | 578 |
| Net charge-offs to loans | 0.0948% | 711 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 43.2336% | 959 |
| Efficiency ratio | 64.7490% | 2,376 |
| Assets per employee ($millions) | 3.7682% | 4,598 |
| Cash dividends to net income (ytd only)* | 24.6685% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 1,104 |
| Loan loss allowance to noncurrent loans | 709.7981% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 3,389 |
| Noncurrent loans to loans | 0.2359% | 3,258 |
| Net loans and leases to total assets | 62.9242% | 2,177 |
| Net loans and leases to deposits | 70.9291% | 2,425 |
| Net loans and leases to core deposits | 72.6589% | 2,643 |
| Total domestic deposits to total assets | 88.7142% | 1,493 |
| Equity capital to assets | 10.0024% | 2,702 |
| Core capital (leverage) ratio | 8.8473% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0582% | 2,270 |
| Memoranda: | ||
| Average total assets | $3,081,003,000 | 365 |
| Average earning assets | $2,875,648,000 | 356 |
| Average equity | $315,789,000 | 373 |
| Average total loans | $2,058,912,500 | 359 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7896% | 3,333 |
| Cost of funding earning assets | 0.3487% | 3,876 |
| Net interest margin | 3.4409% | 2,644 |
| Noninterest income to average assets | 5.3727% | 110 |
| Noninterest expense to average assets | 5.9050% | 133 |
| Loan and lease loss provision to assets | 0.3993% | 787 |
| Net operating income to assets | 1.7235% | 466 |
| Return on assets (ROA) | 1.8027% | 415 |
| Pretax return on assets | 2.3654% | 231 |
| Return on Equity (ROE) | 16.6677% | 441 |
| Retained earnings to average equity (ytd only) | 11.2482% | 410 |
| Net charge-offs to loans | 0.0289% | 2,456 |
| Credit loss provision to net charge-offs | 1,885.8131% | 459 |
| Earnings coverage of net charge-offs (x) | 125.8270% | 679 |
| Efficiency ratio | 67.2146% | 2,337 |
| Assets per employee ($millions) | 3.6113% | 4,605 |
| Cash dividends to net income (ytd only)* | 32.5150% | 2,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 1,219 |
| Loan loss allowance to noncurrent loans | 674.1339% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 3,429 |
| Noncurrent loans to loans | 0.2417% | 3,328 |
| Net loans and leases to total assets | 68.6493% | 1,743 |
| Net loans and leases to deposits | 78.0599% | 2,065 |
| Net loans and leases to core deposits | 79.9347% | 2,367 |
| Total domestic deposits to total assets | 87.9443% | 1,500 |
| Equity capital to assets | 10.5080% | 2,668 |
| Core capital (leverage) ratio | 8.4990% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3567% | 2,500 |
| Memoranda: | ||
| Average total assets | $2,729,614,400 | 373 |
| Average earning assets | $2,535,924,800 | 364 |
| Average equity | $295,230,400 | 373 |
| Average total loans | $2,001,230,600 | 353 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8286% | 3,481 |
| Cost of funding earning assets | 0.4122% | 3,751 |
| Net interest margin | 3.4164% | 2,862 |
| Noninterest income to average assets | 5.4138% | 106 |
| Noninterest expense to average assets | 5.7471% | 138 |
| Loan and lease loss provision to assets | 0.4763% | 644 |
| Net operating income to assets | 1.7967% | 450 |
| Return on assets (ROA) | 1.9045% | 403 |
| Pretax return on assets | 2.4993% | 210 |
| Return on Equity (ROE) | 17.4679% | 406 |
| Retained earnings to average equity (ytd only) | 11.9493% | 427 |
| Net charge-offs to loans | 0.1408% | 1,035 |
| Credit loss provision to net charge-offs | 455.1989% | 1,356 |
| Earnings coverage of net charge-offs (x) | 27.1308% | 1,676 |
| Efficiency ratio | 65.1989% | 2,559 |
| Assets per employee ($millions) | 3.6673% | 4,570 |
| Cash dividends to net income (ytd only)* | 31.5931% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4443% | 1,559 |
| Loan loss allowance to noncurrent loans | 653.5349% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 3,591 |
| Noncurrent loans to loans | 0.2210% | 3,508 |
| Net loans and leases to total assets | 73.8101% | 1,395 |
| Net loans and leases to deposits | 84.2283% | 1,884 |
| Net loans and leases to core deposits | 86.1861% | 2,287 |
| Total domestic deposits to total assets | 87.6310% | 1,381 |
| Equity capital to assets | 10.6711% | 2,649 |
| Core capital (leverage) ratio | 9.0305% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7190% | 2,317 |
| Memoranda: | ||
| Average total assets | $2,659,071,750 | 370 |
| Average earning assets | $2,469,105,500 | 361 |
| Average equity | $289,918,250 | 372 |
| Average total loans | $1,976,084,500 | 353 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 3,620 |
| Cost of funding earning assets | 0.4977% | 3,545 |
| Net interest margin | 3.4011% | 3,101 |
| Noninterest income to average assets | 4.9725% | 105 |
| Noninterest expense to average assets | 5.8165% | 142 |
| Loan and lease loss provision to assets | 0.4652% | 815 |
| Net operating income to assets | 1.4110% | 1,087 |
| Return on assets (ROA) | 1.4902% | 1,019 |
| Pretax return on assets | 1.9436% | 622 |
| Return on Equity (ROE) | 13.5603% | 961 |
| Retained earnings to average equity (ytd only) | 7.9166% | 1,333 |
| Net charge-offs to loans | 0.2791% | 571 |
| Credit loss provision to net charge-offs | 224.8876% | 1,823 |
| Earnings coverage of net charge-offs (x) | 11.1600% | 2,110 |
| Efficiency ratio | 69.6985% | 1,997 |
| Assets per employee ($millions) | 3.6332% | 4,585 |
| Cash dividends to net income (ytd only)* | 41.6190% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,122 |
| Loan loss allowance to noncurrent loans | 511.5616% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 3,610 |
| Noncurrent loans to loans | 0.2494% | 3,485 |
| Net loans and leases to total assets | 73.3753% | 1,498 |
| Net loans and leases to deposits | 83.4364% | 2,054 |
| Net loans and leases to core deposits | 85.2089% | 2,504 |
| Total domestic deposits to total assets | 87.9416% | 1,210 |
| Equity capital to assets | 10.2171% | 2,996 |
| Core capital (leverage) ratio | 8.9998% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2397% | 2,503 |
| Memoranda: | ||
| Average total assets | $2,579,710,333 | 373 |
| Average earning assets | $2,391,122,667 | 365 |
| Average equity | $283,505,000 | 377 |
| Average total loans | $1,911,536,000 | 359 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1104% | 3,499 |
| Cost of funding earning assets | 0.6034% | 3,415 |
| Net interest margin | 3.5070% | 2,955 |
| Noninterest income to average assets | 4.4807% | 100 |
| Noninterest expense to average assets | 5.9348% | 152 |
| Loan and lease loss provision to assets | 0.4111% | 740 |
| Net operating income to assets | 1.0757% | 1,921 |
| Return on assets (ROA) | 1.0757% | 2,023 |
| Pretax return on assets | 1.3764% | 1,635 |
| Return on Equity (ROE) | 9.3979% | 1,954 |
| Retained earnings to average equity (ytd only) | 3.6517% | 2,820 |
| Net charge-offs to loans | -0.1323% | 4,880 |
| Credit loss provision to net charge-offs | -420.1681% | 3,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7445% | 1,720 |
| Assets per employee ($millions) | 3.1818% | 4,700 |
| Cash dividends to net income (ytd only)* | 61.1434% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,427 |
| Loan loss allowance to noncurrent loans | 387.6471% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 3,311 |
| Noncurrent loans to loans | 0.3808% | 3,121 |
| Net loans and leases to total assets | 71.8414% | 1,946 |
| Net loans and leases to deposits | 82.1242% | 2,437 |
| Net loans and leases to core deposits | 83.9876% | 2,854 |
| Total domestic deposits to total assets | 87.4790% | 1,347 |
| Equity capital to assets | 11.2460% | 2,643 |
| Core capital (leverage) ratio | 9.8008% | 3,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0475% | 2,670 |
| Memoranda: | ||
| Average total assets | $2,432,643,000 | 383 |
| Average earning assets | $2,248,519,000 | 369 |
| Average equity | $278,445,000 | 382 |
| Average total loans | $1,799,330,000 | 362 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5698% | 2,711 |
| Cost of funding earning assets | 0.7415% | 2,961 |
| Net interest margin | 3.8283% | 2,412 |
| Noninterest income to average assets | 5.0982% | 94 |
| Noninterest expense to average assets | 6.2764% | 133 |
| Loan and lease loss provision to assets | 0.3273% | 487 |
| Net operating income to assets | 1.5131% | 1,019 |
| Return on assets (ROA) | 1.5257% | 1,053 |
| Pretax return on assets | 2.0086% | 587 |
| Return on Equity (ROE) | 12.8990% | 1,199 |
| Retained earnings to average equity (ytd only) | 7.2231% | 1,296 |
| Net charge-offs to loans | 0.3161% | 653 |
| Credit loss provision to net charge-offs | 131.4635% | 1,938 |
| Earnings coverage of net charge-offs (x) | 9.3195% | 2,681 |
| Efficiency ratio | 70.8882% | 2,035 |
| Assets per employee ($millions) | 2.9846% | 4,835 |
| Cash dividends to net income (ytd only)* | 44.0025% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,697 |
| Loan loss allowance to noncurrent loans | 305.6208% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.3324% | 3,093 |
| Noncurrent loans to loans | 0.4427% | 2,857 |
| Net loans and leases to total assets | 74.0677% | 1,738 |
| Net loans and leases to deposits | 85.2925% | 2,179 |
| Net loans and leases to core deposits | 87.0888% | 2,700 |
| Total domestic deposits to total assets | 86.8396% | 1,691 |
| Equity capital to assets | 11.6596% | 2,378 |
| Core capital (leverage) ratio | 10.1998% | 3,301 |
| Tier 1 risk-based capital ratio | 11.9070% | 4,415 |
| Total risk-based capital ratio | 13.1536% | 4,290 |
| Memoranda: | ||
| Average total assets | $2,234,357,600 | 386 |
| Average earning assets | $2,041,671,600 | 384 |
| Average equity | $264,275,400 | 380 |
| Average total loans | $1,759,314,600 | 362 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 2,505 |
| Cost of funding earning assets | 0.7697% | 2,869 |
| Net interest margin | 3.8991% | 2,258 |
| Noninterest income to average assets | 5.1028% | 94 |
| Noninterest expense to average assets | 6.3129% | 129 |
| Loan and lease loss provision to assets | 0.3336% | 414 |
| Net operating income to assets | 1.5160% | 1,147 |
| Return on assets (ROA) | 1.5331% | 1,157 |
| Pretax return on assets | 2.0349% | 640 |
| Return on Equity (ROE) | 12.9126% | 1,314 |
| Retained earnings to average equity (ytd only) | 7.3084% | 1,708 |
| Net charge-offs to loans | 0.3570% | 475 |
| Credit loss provision to net charge-offs | 117.2157% | 1,996 |
| Earnings coverage of net charge-offs (x) | 8.2463% | 2,675 |
| Efficiency ratio | 70.7401% | 2,013 |
| Assets per employee ($millions) | 2.7892% | 4,980 |
| Cash dividends to net income (ytd only)* | 43.4011% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3118% | 1,918 |
| Loan loss allowance to noncurrent loans | 446.1180% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 3,637 |
| Noncurrent loans to loans | 0.2940% | 3,483 |
| Net loans and leases to total assets | 77.6871% | 1,189 |
| Net loans and leases to deposits | 90.7523% | 1,597 |
| Net loans and leases to core deposits | 92.7087% | 2,297 |
| Total domestic deposits to total assets | 85.6035% | 2,165 |
| Equity capital to assets | 12.1744% | 2,133 |
| Core capital (leverage) ratio | 10.4742% | 3,126 |
| Tier 1 risk-based capital ratio | 11.8412% | 4,492 |
| Total risk-based capital ratio | 13.0639% | 4,397 |
| Memoranda: | ||
| Average total assets | $2,204,228,500 | 391 |
| Average earning assets | $2,010,838,500 | 388 |
| Average equity | $261,702,250 | 383 |
| Average total loans | $1,757,112,000 | 365 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 2,443 |
| Cost of funding earning assets | 0.7551% | 2,873 |
| Net interest margin | 3.9174% | 2,194 |
| Noninterest income to average assets | 4.9949% | 94 |
| Noninterest expense to average assets | 6.1591% | 137 |
| Loan and lease loss provision to assets | 0.3657% | 343 |
| Net operating income to assets | 1.5357% | 1,044 |
| Return on assets (ROA) | 1.5579% | 1,037 |
| Pretax return on assets | 2.0691% | 595 |
| Return on Equity (ROE) | 13.2353% | 1,174 |
| Retained earnings to average equity (ytd only) | 10.9152% | 556 |
| Net charge-offs to loans | 0.5623% | 272 |
| Credit loss provision to net charge-offs | 81.2336% | 2,215 |
| Earnings coverage of net charge-offs (x) | 5.3464% | 2,668 |
| Efficiency ratio | 69.6707% | 2,278 |
| Assets per employee ($millions) | 2.7824% | 5,025 |
| Cash dividends to net income (ytd only)* | 17.5295% | 3,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,482 |
| Loan loss allowance to noncurrent loans | 456.8050% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 3,661 |
| Noncurrent loans to loans | 0.2646% | 3,580 |
| Net loans and leases to total assets | 78.8162% | 1,072 |
| Net loans and leases to deposits | 98.6651% | 780 |
| Net loans and leases to core deposits | 100.7329% | 1,655 |
| Total domestic deposits to total assets | 79.8826% | 4,063 |
| Equity capital to assets | 12.2136% | 2,046 |
| Core capital (leverage) ratio | 10.2851% | 3,300 |
| Tier 1 risk-based capital ratio | 11.8961% | 4,478 |
| Total risk-based capital ratio | 13.0386% | 4,423 |
| Memoranda: | ||
| Average total assets | $2,197,053,670 | 394 |
| Average earning assets | $2,002,683,000 | 389 |
| Average equity | $258,612,000 | 388 |
| Average total loans | $1,758,780,000 | 363 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 2,357 |
| Cost of funding earning assets | 0.6557% | 3,290 |
| Net interest margin | 4.0025% | 1,848 |
| Noninterest income to average assets | 4.5586% | 99 |
| Noninterest expense to average assets | 6.0078% | 140 |
| Loan and lease loss provision to assets | 0.4048% | 282 |
| Net operating income to assets | 1.3554% | 1,510 |
| Return on assets (ROA) | 1.3737% | 1,480 |
| Pretax return on assets | 1.8212% | 940 |
| Return on Equity (ROE) | 11.8952% | 1,573 |
| Retained earnings to average equity (ytd only) | 7.1586% | 1,978 |
| Net charge-offs to loans | 0.3993% | 389 |
| Credit loss provision to net charge-offs | 126.4237% | 1,375 |
| Earnings coverage of net charge-offs (x) | 6.8798% | 2,166 |
| Efficiency ratio | 70.8394% | 2,214 |
| Assets per employee ($millions) | 2.7707% | 5,088 |
| Cash dividends to net income (ytd only)* | 39.8195% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 2,183 |
| Loan loss allowance to noncurrent loans | 273.8357% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 3,068 |
| Noncurrent loans to loans | 0.4671% | 2,911 |
| Net loans and leases to total assets | 79.0245% | 982 |
| Net loans and leases to deposits | 91.3984% | 1,470 |
| Net loans and leases to core deposits | 93.0993% | 2,200 |
| Total domestic deposits to total assets | 86.4616% | 2,092 |
| Equity capital to assets | 11.6122% | 2,303 |
| Core capital (leverage) ratio | 9.8694% | 3,740 |
| Tier 1 risk-based capital ratio | 11.1641% | 4,900 |
| Total risk-based capital ratio | 12.3651% | 4,836 |
| Memoranda: | ||
| Average total assets | $2,193,763,000 | 396 |
| Average earning assets | $2,001,673,500 | 392 |
| Average equity | $253,346,500 | 391 |
| Average total loans | $1,759,136,000 | 367 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 2,523 |
| Cost of funding earning assets | 0.4537% | 3,655 |
| Net interest margin | 4.0236% | 1,910 |
| Noninterest income to average assets | 4.7719% | 97 |
| Noninterest expense to average assets | 6.2287% | 125 |
| Loan and lease loss provision to assets | 0.4007% | 337 |
| Net operating income to assets | 1.4080% | 1,406 |
| Return on assets (ROA) | 1.4111% | 1,381 |
| Pretax return on assets | 1.8143% | 886 |
| Return on Equity (ROE) | 12.6281% | 1,499 |
| Retained earnings to average equity (ytd only) | 7.8512% | 1,305 |
| Net charge-offs to loans | 0.1765% | 1,091 |
| Credit loss provision to net charge-offs | 287.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 15.8373% | 2,297 |
| Efficiency ratio | 71.2444% | 2,010 |
| Assets per employee ($millions) | 2.7240% | 5,126 |
| Cash dividends to net income (ytd only)* | 37.8273% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 2,206 |
| Loan loss allowance to noncurrent loans | 318.4547% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.3277% | 3,243 |
| Noncurrent loans to loans | 0.3983% | 3,100 |
| Net loans and leases to total assets | 79.3112% | 1,049 |
| Net loans and leases to deposits | 95.5016% | 1,120 |
| Net loans and leases to core deposits | 96.9787% | 1,968 |
| Total domestic deposits to total assets | 83.0470% | 3,312 |
| Equity capital to assets | 11.4838% | 2,260 |
| Core capital (leverage) ratio | 9.6301% | 3,972 |
| Tier 1 risk-based capital ratio | 11.3850% | 4,779 |
| Total risk-based capital ratio | 12.6184% | 4,690 |
| Memoranda: | ||
| Average total assets | $2,148,834,200 | 396 |
| Average earning assets | $1,958,797,800 | 395 |
| Average equity | $240,116,200 | 397 |
| Average total loans | $1,699,339,000 | 373 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 2,615 |
| Cost of funding earning assets | 0.3970% | 3,878 |
| Net interest margin | 4.0071% | 1,933 |
| Noninterest income to average assets | 4.7535% | 98 |
| Noninterest expense to average assets | 6.1329% | 128 |
| Loan and lease loss provision to assets | 0.4407% | 273 |
| Net operating income to assets | 1.4355% | 1,374 |
| Return on assets (ROA) | 1.4389% | 1,366 |
| Pretax return on assets | 1.8355% | 931 |
| Return on Equity (ROE) | 12.9678% | 1,444 |
| Retained earnings to average equity (ytd only) | 8.1796% | 1,566 |
| Net charge-offs to loans | 0.2081% | 814 |
| Credit loss provision to net charge-offs | 268.8948% | 1,113 |
| Earnings coverage of net charge-offs (x) | 13.8621% | 2,322 |
| Efficiency ratio | 70.3110% | 2,147 |
| Assets per employee ($millions) | 2.7446% | 5,190 |
| Cash dividends to net income (ytd only)* | 36.9241% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 2,628 |
| Loan loss allowance to noncurrent loans | 372.6676% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 3,612 |
| Noncurrent loans to loans | 0.3217% | 3,518 |
| Net loans and leases to total assets | 79.7484% | 1,059 |
| Net loans and leases to deposits | 94.7977% | 1,287 |
| Net loans and leases to core deposits | 98.3887% | 1,904 |
| Total domestic deposits to total assets | 84.1248% | 2,900 |
| Equity capital to assets | 11.2672% | 2,416 |
| Core capital (leverage) ratio | 9.5453% | 4,120 |
| Tier 1 risk-based capital ratio | 11.0805% | 4,997 |
| Total risk-based capital ratio | 12.2431% | 4,935 |
| Memoranda: | ||
| Average total assets | $2,141,922,750 | 396 |
| Average earning assets | $1,951,794,250 | 397 |
| Average equity | $237,659,750 | 397 |
| Average total loans | $1,687,082,250 | 374 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 2,558 |
| Cost of funding earning assets | 0.3551% | 4,041 |
| Net interest margin | 4.0013% | 1,856 |
| Noninterest income to average assets | 4.6977% | 102 |
| Noninterest expense to average assets | 6.0777% | 134 |
| Loan and lease loss provision to assets | 0.5206% | 217 |
| Net operating income to assets | 1.3645% | 1,554 |
| Return on assets (ROA) | 1.3695% | 1,541 |
| Pretax return on assets | 1.7476% | 1,101 |
| Return on Equity (ROE) | 12.4074% | 1,582 |
| Retained earnings to average equity (ytd only) | 5.1542% | 2,998 |
| Net charge-offs to loans | 0.2696% | 592 |
| Credit loss provision to net charge-offs | 247.2160% | 1,153 |
| Earnings coverage of net charge-offs (x) | 10.7412% | 2,313 |
| Efficiency ratio | 70.1878% | 2,281 |
| Assets per employee ($millions) | 2.7668% | 5,229 |
| Cash dividends to net income (ytd only)* | 58.4589% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,032 |
| Loan loss allowance to noncurrent loans | 430.5309% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 3,894 |
| Noncurrent loans to loans | 0.2650% | 3,761 |
| Net loans and leases to total assets | 79.1714% | 1,137 |
| Net loans and leases to deposits | 95.6033% | 1,183 |
| Net loans and leases to core deposits | 97.2636% | 1,941 |
| Total domestic deposits to total assets | 82.8125% | 3,467 |
| Equity capital to assets | 10.9035% | 2,728 |
| Core capital (leverage) ratio | 9.1241% | 4,547 |
| Tier 1 risk-based capital ratio | 10.5914% | 5,232 |
| Total risk-based capital ratio | 11.6961% | 5,194 |
| Memoranda: | ||
| Average total assets | $2,132,239,000 | 398 |
| Average earning assets | $1,940,736,670 | 400 |
| Average equity | $235,343,670 | 397 |
| Average total loans | $1,665,333,670 | 376 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,672 |
| Cost of funding earning assets | 0.2979% | 4,364 |
| Net interest margin | 3.9613% | 1,841 |
| Noninterest income to average assets | 4.6105% | 101 |
| Noninterest expense to average assets | 6.0276% | 142 |
| Loan and lease loss provision to assets | 0.2899% | 455 |
| Net operating income to assets | 1.5013% | 1,074 |
| Return on assets (ROA) | 1.4971% | 1,091 |
| Pretax return on assets | 1.8929% | 740 |
| Return on Equity (ROE) | 13.4796% | 1,141 |
| Retained earnings to average equity (ytd only) | 3.9854% | 3,599 |
| Net charge-offs to loans | 0.0175% | 2,163 |
| Credit loss provision to net charge-offs | 2,154.9296% | 174 |
| Earnings coverage of net charge-offs (x) | 162.6479% | 400 |
| Efficiency ratio | 70.6082% | 2,402 |
| Assets per employee ($millions) | 2.6792% | 5,340 |
| Cash dividends to net income (ytd only)* | 70.4341% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 3,481 |
| Loan loss allowance to noncurrent loans | 378.3165% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2496% | 3,873 |
| Noncurrent loans to loans | 0.2866% | 3,749 |
| Net loans and leases to total assets | 78.7679% | 1,120 |
| Net loans and leases to deposits | 89.7838% | 1,715 |
| Net loans and leases to core deposits | 96.6089% | 1,934 |
| Total domestic deposits to total assets | 87.7306% | 1,773 |
| Equity capital to assets | 11.2264% | 2,368 |
| Core capital (leverage) ratio | 9.2168% | 4,412 |
| Tier 1 risk-based capital ratio | 10.7378% | 5,268 |
| Total risk-based capital ratio | 11.7812% | 5,249 |
| Memoranda: | ||
| Average total assets | $2,111,017,000 | 403 |
| Average earning assets | $1,921,284,000 | 406 |
| Average equity | $234,457,500 | 404 |
| Average total loans | $1,627,202,000 | 386 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0725% | 3,162 |
| Cost of funding earning assets | 0.2402% | 4,645 |
| Net interest margin | 3.8322% | 2,310 |
| Noninterest income to average assets | 5.0024% | 106 |
| Noninterest expense to average assets | 6.4578% | 135 |
| Loan and lease loss provision to assets | 0.1595% | 1,409 |
| Net operating income to assets | 0.9264% | 2,567 |
| Return on assets (ROA) | 0.9260% | 2,597 |
| Pretax return on assets | 1.8454% | 699 |
| Return on Equity (ROE) | 8.3010% | 2,648 |
| Retained earnings to average equity (ytd only) | 4.8813% | 2,204 |
| Net charge-offs to loans | 0.1545% | 1,567 |
| Credit loss provision to net charge-offs | 140.7121% | 1,880 |
| Earnings coverage of net charge-offs (x) | 17.6937% | 2,112 |
| Efficiency ratio | 73.0745% | 2,050 |
| Assets per employee ($millions) | 2.7871% | 5,332 |
| Cash dividends to net income (ytd only)* | 41.1962% | 2,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 3,687 |
| Loan loss allowance to noncurrent loans | 282.0364% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 3,696 |
| Noncurrent loans to loans | 0.3688% | 3,437 |
| Net loans and leases to total assets | 73.8127% | 1,950 |
| Net loans and leases to deposits | 85.5430% | 2,319 |
| Net loans and leases to core deposits | 91.5138% | 2,414 |
| Total domestic deposits to total assets | 86.2873% | 2,319 |
| Equity capital to assets | 10.9890% | 2,636 |
| Core capital (leverage) ratio | 9.3955% | 4,166 |
| Tier 1 risk-based capital ratio | 11.0130% | 5,140 |
| Total risk-based capital ratio | 11.9879% | 5,174 |
| Memoranda: | ||
| Average total assets | $2,056,464,200 | 400 |
| Average earning assets | $1,857,273,200 | 403 |
| Average equity | $229,407,200 | 396 |
| Average total loans | $1,508,802,800 | 390 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,221 |
| Cost of funding earning assets | 0.2323% | 4,727 |
| Net interest margin | 3.8059% | 2,376 |
| Noninterest income to average assets | 5.0341% | 111 |
| Noninterest expense to average assets | 6.5475% | 132 |
| Loan and lease loss provision to assets | 0.1283% | 1,687 |
| Net operating income to assets | 1.0938% | 2,116 |
| Return on assets (ROA) | 1.0938% | 2,171 |
| Pretax return on assets | 1.7938% | 904 |
| Return on Equity (ROE) | 9.7671% | 2,222 |
| Retained earnings to average equity (ytd only) | 5.1816% | 2,755 |
| Net charge-offs to loans | 0.1979% | 1,075 |
| Credit loss provision to net charge-offs | 88.7681% | 2,476 |
| Earnings coverage of net charge-offs (x) | 13.2984% | 2,359 |
| Efficiency ratio | 73.8878% | 1,913 |
| Assets per employee ($millions) | 2.6557% | 5,460 |
| Cash dividends to net income (ytd only)* | 46.9479% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 4,251 |
| Loan loss allowance to noncurrent loans | 261.3435% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 3,824 |
| Noncurrent loans to loans | 0.3702% | 3,628 |
| Net loans and leases to total assets | 76.3181% | 1,533 |
| Net loans and leases to deposits | 97.7720% | 942 |
| Net loans and leases to core deposits | 106.1282% | 1,264 |
| Total domestic deposits to total assets | 78.0572% | 4,713 |
| Equity capital to assets | 11.3184% | 2,556 |
| Core capital (leverage) ratio | 9.3009% | 4,410 |
| Tier 1 risk-based capital ratio | 10.7203% | 5,366 |
| Total risk-based capital ratio | 11.6161% | 5,429 |
| Memoranda: | ||
| Average total assets | $2,036,848,500 | 404 |
| Average earning assets | $1,838,611,500 | 411 |
| Average equity | $228,107,250 | 399 |
| Average total loans | $1,487,900,750 | 393 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 3,537 |
| Cost of funding earning assets | 0.2035% | 4,938 |
| Net interest margin | 3.7008% | 2,659 |
| Noninterest income to average assets | 5.0069% | 115 |
| Noninterest expense to average assets | 6.4205% | 141 |
| Loan and lease loss provision to assets | 0.0631% | 2,710 |
| Net operating income to assets | 1.0843% | 2,063 |
| Return on assets (ROA) | 1.0847% | 2,107 |
| Pretax return on assets | 1.8612% | 725 |
| Return on Equity (ROE) | 9.7203% | 2,160 |
| Retained earnings to average equity (ytd only) | 5.1044% | 2,636 |
| Net charge-offs to loans | 0.0166% | 2,912 |
| Credit loss provision to net charge-offs | 528.9256% | 633 |
| Earnings coverage of net charge-offs (x) | 161.2893% | 473 |
| Efficiency ratio | 73.3836% | 2,110 |
| Assets per employee ($millions) | 2.6092% | 5,507 |
| Cash dividends to net income (ytd only)* | 47.4870% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0464% | 3,870 |
| Loan loss allowance to noncurrent loans | 186.1759% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 3,279 |
| Noncurrent loans to loans | 0.5620% | 3,052 |
| Net loans and leases to total assets | 74.9704% | 1,704 |
| Net loans and leases to deposits | 92.5314% | 1,428 |
| Net loans and leases to core deposits | 100.4029% | 1,622 |
| Total domestic deposits to total assets | 81.0217% | 4,178 |
| Equity capital to assets | 11.3035% | 2,494 |
| Core capital (leverage) ratio | 9.3355% | 4,318 |
| Tier 1 risk-based capital ratio | 10.6037% | 5,426 |
| Total risk-based capital ratio | 11.5556% | 5,475 |
| Memoranda: | ||
| Average total assets | $2,028,851,670 | 404 |
| Average earning assets | $1,829,664,670 | 411 |
| Average equity | $226,391,330 | 403 |
| Average total loans | $1,454,481,000 | 401 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7755% | 3,848 |
| Cost of funding earning assets | 0.1902% | 5,061 |
| Net interest margin | 3.5852% | 2,937 |
| Noninterest income to average assets | 4.7174% | 126 |
| Noninterest expense to average assets | 6.2999% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1217% | 1,788 |
| Return on assets (ROA) | 1.1216% | 1,825 |
| Pretax return on assets | 1.6474% | 1,134 |
| Return on Equity (ROE) | 10.1174% | 1,918 |
| Retained earnings to average equity (ytd only) | 5.4773% | 2,616 |
| Net charge-offs to loans | -0.0394% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3826% | 2,005 |
| Assets per employee ($millions) | 2.6009% | 5,586 |
| Cash dividends to net income (ytd only)* | 45.8627% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 3,658 |
| Loan loss allowance to noncurrent loans | 196.2871% | 2,295 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 3,443 |
| Noncurrent loans to loans | 0.5654% | 3,111 |
| Net loans and leases to total assets | 70.0924% | 2,365 |
| Net loans and leases to deposits | 80.2349% | 2,718 |
| Net loans and leases to core deposits | 89.3336% | 2,416 |
| Total domestic deposits to total assets | 87.3589% | 2,046 |
| Equity capital to assets | 11.3195% | 2,332 |
| Core capital (leverage) ratio | 9.2109% | 4,472 |
| Tier 1 risk-based capital ratio | 11.0050% | 5,310 |
| Total risk-based capital ratio | 11.9933% | 5,358 |
| Memoranda: | ||
| Average total assets | $2,025,680,500 | 407 |
| Average earning assets | $1,825,037,500 | 411 |
| Average equity | $224,563,000 | 408 |
| Average total loans | $1,410,757,500 | 411 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0046% | 3,183 |
| Cost of funding earning assets | 0.2041% | 4,977 |
| Net interest margin | 3.8005% | 2,316 |
| Noninterest income to average assets | 5.4238% | 114 |
| Noninterest expense to average assets | 7.2955% | 122 |
| Loan and lease loss provision to assets | 0.1578% | 1,577 |
| Net operating income to assets | 0.9291% | 2,686 |
| Return on assets (ROA) | 0.9283% | 2,804 |
| Pretax return on assets | 1.3879% | 1,991 |
| Return on Equity (ROE) | 8.1839% | 2,842 |
| Retained earnings to average equity (ytd only) | 3.5683% | 3,385 |
| Net charge-offs to loans | 0.1566% | 1,707 |
| Credit loss provision to net charge-offs | 143.5272% | 1,911 |
| Earnings coverage of net charge-offs (x) | 14.0675% | 2,317 |
| Efficiency ratio | 78.4190% | 1,642 |
| Assets per employee ($millions) | 2.6031% | 5,617 |
| Cash dividends to net income (ytd only)* | 56.3983% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 3,630 |
| Loan loss allowance to noncurrent loans | 203.7448% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.4581% | 3,425 |
| Noncurrent loans to loans | 0.5466% | 3,206 |
| Net loans and leases to total assets | 67.6738% | 2,829 |
| Net loans and leases to deposits | 77.4587% | 3,166 |
| Net loans and leases to core deposits | 84.4893% | 2,980 |
| Total domestic deposits to total assets | 87.3675% | 1,944 |
| Equity capital to assets | 10.8574% | 2,756 |
| Core capital (leverage) ratio | 9.2535% | 4,403 |
| Tier 1 risk-based capital ratio | 11.0978% | 5,290 |
| Total risk-based capital ratio | 12.0732% | 5,319 |
| Memoranda: | ||
| Average total assets | $1,938,733,200 | 402 |
| Average earning assets | $1,743,984,800 | 409 |
| Average equity | $219,908,400 | 402 |
| Average total loans | $1,361,176,800 | 400 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0450% | 3,057 |
| Cost of funding earning assets | 0.2043% | 5,029 |
| Net interest margin | 3.8407% | 2,191 |
| Noninterest income to average assets | 5.3524% | 115 |
| Noninterest expense to average assets | 7.4033% | 122 |
| Loan and lease loss provision to assets | 0.2135% | 982 |
| Net operating income to assets | 0.8121% | 3,312 |
| Return on assets (ROA) | 0.8138% | 3,440 |
| Pretax return on assets | 1.1959% | 2,853 |
| Return on Equity (ROE) | 7.0934% | 3,513 |
| Retained earnings to average equity (ytd only) | 2.9526% | 4,138 |
| Net charge-offs to loans | 0.1382% | 1,604 |
| Credit loss provision to net charge-offs | 218.5714% | 1,345 |
| Earnings coverage of net charge-offs (x) | 14.4050% | 2,243 |
| Efficiency ratio | 79.8863% | 1,445 |
| Assets per employee ($millions) | 2.4446% | 5,758 |
| Cash dividends to net income (ytd only)* | 58.3747% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,570 |
| Loan loss allowance to noncurrent loans | 184.7745% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 3,256 |
| Noncurrent loans to loans | 0.6197% | 3,158 |
| Net loans and leases to total assets | 72.9791% | 2,025 |
| Net loans and leases to deposits | 83.7669% | 2,510 |
| Net loans and leases to core deposits | 89.6779% | 2,601 |
| Total domestic deposits to total assets | 87.1217% | 1,842 |
| Equity capital to assets | 11.5828% | 2,450 |
| Core capital (leverage) ratio | 9.3817% | 4,350 |
| Tier 1 risk-based capital ratio | 10.8123% | 5,468 |
| Total risk-based capital ratio | 11.8251% | 5,500 |
| Memoranda: | ||
| Average total assets | $1,911,253,500 | 406 |
| Average earning assets | $1,720,671,750 | 412 |
| Average equity | $219,278,000 | 404 |
| Average total loans | $1,350,967,250 | 404 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 3,177 |
| Cost of funding earning assets | 0.2118% | 5,024 |
| Net interest margin | 3.8091% | 2,284 |
| Noninterest income to average assets | 5.4071% | 113 |
| Noninterest expense to average assets | 7.3813% | 124 |
| Loan and lease loss provision to assets | 0.2143% | 986 |
| Net operating income to assets | 0.8578% | 3,058 |
| Return on assets (ROA) | 0.8612% | 3,167 |
| Pretax return on assets | 1.2566% | 2,583 |
| Return on Equity (ROE) | 7.5311% | 3,243 |
| Retained earnings to average equity (ytd only) | 3.6957% | 3,534 |
| Net charge-offs to loans | 0.0751% | 2,109 |
| Credit loss provision to net charge-offs | 409.6386% | 764 |
| Earnings coverage of net charge-offs (x) | 28.0181% | 1,442 |
| Efficiency ratio | 79.3051% | 1,590 |
| Assets per employee ($millions) | 2.3826% | 5,832 |
| Cash dividends to net income (ytd only)* | 50.9271% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,743 |
| Loan loss allowance to noncurrent loans | 154.0338% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6419% | 3,073 |
| Noncurrent loans to loans | 0.7374% | 2,893 |
| Net loans and leases to total assets | 73.1937% | 1,982 |
| Net loans and leases to deposits | 84.1077% | 2,458 |
| Net loans and leases to core deposits | 90.7276% | 2,465 |
| Total domestic deposits to total assets | 87.0239% | 1,902 |
| Equity capital to assets | 11.5872% | 2,457 |
| Core capital (leverage) ratio | 9.1188% | 4,694 |
| Tier 1 risk-based capital ratio | 10.3715% | 5,732 |
| Total risk-based capital ratio | 11.3507% | 5,761 |
| Memoranda: | ||
| Average total assets | $1,903,767,670 | 408 |
| Average earning assets | $1,719,321,670 | 410 |
| Average equity | $217,711,330 | 407 |
| Average total loans | $1,325,439,000 | 407 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8480% | 3,776 |
| Cost of funding earning assets | 0.2389% | 4,818 |
| Net interest margin | 3.6091% | 3,048 |
| Noninterest income to average assets | 5.1887% | 113 |
| Noninterest expense to average assets | 6.9635% | 142 |
| Loan and lease loss provision to assets | 0.2158% | 896 |
| Net operating income to assets | 0.8973% | 2,766 |
| Return on assets (ROA) | 0.9015% | 2,872 |
| Pretax return on assets | 1.2914% | 2,342 |
| Return on Equity (ROE) | 7.9364% | 2,952 |
| Retained earnings to average equity (ytd only) | 1.6968% | 4,592 |
| Net charge-offs to loans | 0.0782% | 1,706 |
| Credit loss provision to net charge-offs | 409.6386% | 701 |
| Earnings coverage of net charge-offs (x) | 28.4980% | 1,213 |
| Efficiency ratio | 78.0185% | 1,895 |
| Assets per employee ($millions) | 2.5096% | 5,843 |
| Cash dividends to net income (ytd only)* | 78.6200% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,915 |
| Loan loss allowance to noncurrent loans | 111.2807% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 2,813 |
| Noncurrent loans to loans | 1.0112% | 2,357 |
| Net loans and leases to total assets | 66.4927% | 2,880 |
| Net loans and leases to deposits | 76.7398% | 3,136 |
| Net loans and leases to core deposits | 84.1681% | 2,921 |
| Total domestic deposits to total assets | 86.6470% | 2,383 |
| Equity capital to assets | 10.7557% | 3,201 |
| Core capital (leverage) ratio | 8.9973% | 4,858 |
| Tier 1 risk-based capital ratio | 10.5057% | 5,745 |
| Total risk-based capital ratio | 11.4725% | 5,790 |
| Memoranda: | ||
| Average total assets | $1,890,714,500 | 409 |
| Average earning assets | $1,716,225,000 | 409 |
| Average equity | $214,758,000 | 409 |
| Average total loans | $1,273,770,500 | 416 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,553 |
| Cost of funding earning assets | 0.2266% | 5,036 |
| Net interest margin | 3.7165% | 2,690 |
| Noninterest income to average assets | 5.9841% | 110 |
| Noninterest expense to average assets | 7.4024% | 125 |
| Loan and lease loss provision to assets | 0.2677% | 691 |
| Net operating income to assets | 1.2119% | 1,511 |
| Return on assets (ROA) | 1.2111% | 1,579 |
| Pretax return on assets | 1.6872% | 1,032 |
| Return on Equity (ROE) | 10.6119% | 1,753 |
| Retained earnings to average equity (ytd only) | 8.8810% | 682 |
| Net charge-offs to loans | 0.5587% | 438 |
| Credit loss provision to net charge-offs | 63.8686% | 3,215 |
| Earnings coverage of net charge-offs (x) | 4.6674% | 3,509 |
| Efficiency ratio | 76.1295% | 2,248 |
| Assets per employee ($millions) | 2.6343% | 5,825 |
| Cash dividends to net income (ytd only)* | 16.3115% | 3,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 3,162 |
| Loan loss allowance to noncurrent loans | 131.7191% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 2,976 |
| Noncurrent loans to loans | 0.9500% | 2,436 |
| Net loans and leases to total assets | 66.6665% | 2,888 |
| Net loans and leases to deposits | 78.3355% | 3,015 |
| Net loans and leases to core deposits | 84.2935% | 2,943 |
| Total domestic deposits to total assets | 85.1038% | 3,041 |
| Equity capital to assets | 12.0669% | 1,908 |
| Core capital (leverage) ratio | 12.6420% | 1,289 |
| Tier 1 risk-based capital ratio | 14.3686% | 3,511 |
| Total risk-based capital ratio | 15.4359% | 3,528 |
| Memoranda: | ||
| Average total assets | $1,569,201,000 | 454 |
| Average earning assets | $1,424,691,800 | 457 |
| Average equity | $179,091,000 | 451 |
| Average total loans | $1,176,951,800 | 423 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0632% | 3,089 |
| Cost of funding earning assets | 0.2315% | 5,079 |
| Net interest margin | 3.8317% | 2,264 |
| Noninterest income to average assets | 6.2119% | 105 |
| Noninterest expense to average assets | 7.6094% | 126 |
| Loan and lease loss provision to assets | 0.1768% | 1,195 |
| Net operating income to assets | 1.3450% | 1,237 |
| Return on assets (ROA) | 1.3457% | 1,278 |
| Pretax return on assets | 1.8988% | 727 |
| Return on Equity (ROE) | 11.9863% | 1,382 |
| Retained earnings to average equity (ytd only) | 11.1306% | 456 |
| Net charge-offs to loans | 0.5787% | 388 |
| Credit loss provision to net charge-offs | 39.6127% | 3,165 |
| Earnings coverage of net charge-offs (x) | 4.6475% | 3,323 |
| Efficiency ratio | 75.3611% | 2,339 |
| Assets per employee ($millions) | 2.4631% | 5,976 |
| Cash dividends to net income (ytd only)* | 7.1382% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1802% | 3,762 |
| Loan loss allowance to noncurrent loans | 225.0926% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.5313% | 3,717 |
| Noncurrent loans to loans | 0.5243% | 3,769 |
| Net loans and leases to total assets | 74.5825% | 1,629 |
| Net loans and leases to deposits | 86.9749% | 2,030 |
| Net loans and leases to core deposits | 90.7624% | 2,376 |
| Total domestic deposits to total assets | 85.7517% | 2,668 |
| Equity capital to assets | 11.4061% | 2,581 |
| Core capital (leverage) ratio | 10.8359% | 2,663 |
| Tier 1 risk-based capital ratio | 11.7393% | 5,242 |
| Total risk-based capital ratio | 12.7290% | 5,308 |
| Memoranda: | ||
| Average total assets | $1,526,846,750 | 470 |
| Average earning assets | $1,383,565,750 | 471 |
| Average equity | $171,414,250 | 471 |
| Average total loans | $1,177,749,000 | 424 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 2,982 |
| Cost of funding earning assets | 0.2309% | 5,135 |
| Net interest margin | 3.8467% | 2,151 |
| Noninterest income to average assets | 6.6209% | 103 |
| Noninterest expense to average assets | 7.8121% | 117 |
| Loan and lease loss provision to assets | 0.1785% | 1,146 |
| Net operating income to assets | 1.4012% | 1,089 |
| Return on assets (ROA) | 1.4007% | 1,124 |
| Pretax return on assets | 2.1058% | 493 |
| Return on Equity (ROE) | 12.5461% | 1,209 |
| Retained earnings to average equity (ytd only) | 11.2435% | 475 |
| Net charge-offs to loans | -0.0002% | 4,539 |
| Credit loss provision to net charge-offs | -135,000.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4242% | 2,627 |
| Assets per employee ($millions) | 2.4444% | 6,062 |
| Cash dividends to net income (ytd only)* | 10.3823% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 2,353 |
| Loan loss allowance to noncurrent loans | 162.1093% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.8786% | 2,791 |
| Noncurrent loans to loans | 0.9170% | 2,834 |
| Net loans and leases to total assets | 78.3686% | 1,017 |
| Net loans and leases to deposits | 93.2329% | 1,226 |
| Net loans and leases to core deposits | 99.4298% | 1,542 |
| Total domestic deposits to total assets | 84.0568% | 3,541 |
| Equity capital to assets | 11.1502% | 2,718 |
| Core capital (leverage) ratio | 10.7541% | 2,675 |
| Tier 1 risk-based capital ratio | 11.2269% | 5,608 |
| Total risk-based capital ratio | 12.4776% | 5,536 |
| Memoranda: | ||
| Average total assets | $1,512,787,670 | 475 |
| Average earning assets | $1,367,038,000 | 474 |
| Average equity | $168,897,670 | 479 |
| Average total loans | $1,175,601,000 | 425 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0996% | 2,832 |
| Cost of funding earning assets | 0.2293% | 5,225 |
| Net interest margin | 3.8703% | 1,995 |
| Noninterest income to average assets | 6.6926% | 106 |
| Noninterest expense to average assets | 8.1594% | 116 |
| Loan and lease loss provision to assets | 0.1811% | 1,060 |
| Net operating income to assets | 1.2854% | 1,323 |
| Return on assets (ROA) | 1.2902% | 1,391 |
| Pretax return on assets | 1.8650% | 764 |
| Return on Equity (ROE) | 11.5481% | 1,466 |
| Retained earnings to average equity (ytd only) | 8.9060% | 1,231 |
| Net charge-offs to loans | -0.2636% | 6,115 |
| Credit loss provision to net charge-offs | -89.5225% | 4,475 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5354% | 2,577 |
| Assets per employee ($millions) | 2.3638% | 6,173 |
| Cash dividends to net income (ytd only)* | 22.8785% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5949% | 2,067 |
| Loan loss allowance to noncurrent loans | 468.0334% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 4,332 |
| Noncurrent loans to loans | 0.3408% | 4,567 |
| Net loans and leases to total assets | 75.8922% | 1,221 |
| Net loans and leases to deposits | 88.7909% | 1,532 |
| Net loans and leases to core deposits | 91.9863% | 1,946 |
| Total domestic deposits to total assets | 85.4730% | 3,190 |
| Equity capital to assets | 11.2322% | 2,719 |
| Core capital (leverage) ratio | 10.5984% | 2,850 |
| Tier 1 risk-based capital ratio | 11.4809% | 5,566 |
| Total risk-based capital ratio | 12.7323% | 5,480 |
| Memoranda: | ||
| Average total assets | $1,490,650,500 | 480 |
| Average earning assets | $1,350,274,000 | 483 |
| Average equity | $166,538,500 | 486 |
| Average total loans | $1,144,071,000 | 433 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 3,044 |
| Cost of funding earning assets | 0.2460% | 5,369 |
| Net interest margin | 3.9242% | 2,144 |
| Noninterest income to average assets | 5.2339% | 120 |
| Noninterest expense to average assets | 6.6970% | 151 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4310% | 1,019 |
| Return on assets (ROA) | 1.5350% | 851 |
| Pretax return on assets | 2.2107% | 308 |
| Return on Equity (ROE) | 14.2194% | 897 |
| Retained earnings to average equity (ytd only) | 0.7716% | 5,422 |
| Net charge-offs to loans | -0.0600% | 5,988 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1631% | 2,993 |
| Assets per employee ($millions) | 2.3669% | 6,240 |
| Cash dividends to net income (ytd only)* | 94.5733% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 2,418 |
| Loan loss allowance to noncurrent loans | 328.0715% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 4,062 |
| Noncurrent loans to loans | 0.4608% | 4,268 |
| Net loans and leases to total assets | 75.2669% | 1,372 |
| Net loans and leases to deposits | 87.8473% | 1,753 |
| Net loans and leases to core deposits | 90.0433% | 2,274 |
| Total domestic deposits to total assets | 85.6792% | 2,994 |
| Equity capital to assets | 11.2278% | 2,668 |
| Core capital (leverage) ratio | 9.7933% | 3,840 |
| Tier 1 risk-based capital ratio | 11.4613% | 5,682 |
| Total risk-based capital ratio | 12.6969% | 5,611 |
| Memoranda: | ||
| Average total assets | $1,446,600,000 | 484 |
| Average earning assets | $1,298,765,800 | 485 |
| Average equity | $156,159,600 | 486 |
| Average total loans | $1,040,878,200 | 443 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,297 |
| Cost of funding earning assets | 0.2485% | 5,427 |
| Net interest margin | 3.8713% | 2,345 |
| Noninterest income to average assets | 5.1253% | 122 |
| Noninterest expense to average assets | 6.4590% | 155 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3790% | 1,175 |
| Return on assets (ROA) | 1.5091% | 954 |
| Pretax return on assets | 2.3366% | 290 |
| Return on Equity (ROE) | 14.1254% | 960 |
| Retained earnings to average equity (ytd only) | -4.0864% | 6,215 |
| Net charge-offs to loans | -0.0071% | 5,356 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2289% | 3,137 |
| Assets per employee ($millions) | 2.5970% | 6,157 |
| Cash dividends to net income (ytd only)* | 128.9293% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 2,656 |
| Loan loss allowance to noncurrent loans | 333.0372% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 4,062 |
| Noncurrent loans to loans | 0.4535% | 4,541 |
| Net loans and leases to total assets | 72.1506% | 1,818 |
| Net loans and leases to deposits | 88.1084% | 1,657 |
| Net loans and leases to core deposits | 90.9529% | 2,125 |
| Total domestic deposits to total assets | 81.8885% | 4,513 |
| Equity capital to assets | 10.6976% | 3,307 |
| Core capital (leverage) ratio | 10.0809% | 3,555 |
| Tier 1 risk-based capital ratio | 11.8004% | 5,611 |
| Total risk-based capital ratio | 13.0365% | 5,539 |
| Memoranda: | ||
| Average total assets | $1,439,018,500 | 483 |
| Average earning assets | $1,289,856,750 | 489 |
| Average equity | $153,742,750 | 495 |
| Average total loans | $1,018,923,000 | 445 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 4,243 |
| Cost of funding earning assets | 0.2439% | 5,549 |
| Net interest margin | 3.6317% | 3,227 |
| Noninterest income to average assets | 5.0200% | 119 |
| Noninterest expense to average assets | 6.3068% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3245% | 1,238 |
| Return on assets (ROA) | 1.3559% | 1,217 |
| Pretax return on assets | 2.0495% | 489 |
| Return on Equity (ROE) | 12.6966% | 1,261 |
| Retained earnings to average equity (ytd only) | -14.9649% | 6,497 |
| Net charge-offs to loans | -0.0135% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8799% | 3,176 |
| Assets per employee ($millions) | 2.7014% | 6,133 |
| Cash dividends to net income (ytd only)* | 217.8649% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 2,881 |
| Loan loss allowance to noncurrent loans | 280.6018% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 3,761 |
| Noncurrent loans to loans | 0.5357% | 4,401 |
| Net loans and leases to total assets | 70.8526% | 1,937 |
| Net loans and leases to deposits | 87.7485% | 1,621 |
| Net loans and leases to core deposits | 90.7886% | 2,048 |
| Total domestic deposits to total assets | 80.7451% | 5,053 |
| Equity capital to assets | 10.0707% | 4,008 |
| Core capital (leverage) ratio | 10.1728% | 3,388 |
| Tier 1 risk-based capital ratio | 11.2574% | 5,932 |
| Total risk-based capital ratio | 12.4938% | 5,881 |
| Memoranda: | ||
| Average total assets | $1,421,805,330 | 484 |
| Average earning assets | $1,287,567,000 | 489 |
| Average equity | $151,835,330 | 496 |
| Average total loans | $994,560,330 | 453 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 3,828 |
| Cost of funding earning assets | 0.2572% | 5,518 |
| Net interest margin | 3.7092% | 2,827 |
| Noninterest income to average assets | 4.8357% | 120 |
| Noninterest expense to average assets | 6.1263% | 182 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3107% | 1,190 |
| Return on assets (ROA) | 1.3149% | 1,220 |
| Pretax return on assets | 2.0725% | 450 |
| Return on Equity (ROE) | 11.9337% | 1,425 |
| Retained earnings to average equity (ytd only) | 11.9337% | 615 |
| Net charge-offs to loans | 0.0212% | 3,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 141.4800% | 346 |
| Efficiency ratio | 71.5936% | 3,558 |
| Assets per employee ($millions) | 2.4191% | 6,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 2,234 |
| Loan loss allowance to noncurrent loans | 339.8590% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.6165% | 4,280 |
| Noncurrent loans to loans | 0.5101% | 4,635 |
| Net loans and leases to total assets | 68.0831% | 2,209 |
| Net loans and leases to deposits | 79.2891% | 2,395 |
| Net loans and leases to core deposits | 82.0211% | 2,733 |
| Total domestic deposits to total assets | 85.8669% | 3,432 |
| Equity capital to assets | 11.2582% | 2,472 |
| Core capital (leverage) ratio | 10.6647% | 2,747 |
| Tier 1 risk-based capital ratio | 12.9862% | 5,013 |
| Total risk-based capital ratio | 14.2227% | 4,956 |
| Memoranda: | ||
| Average total assets | $1,369,576,500 | 506 |
| Average earning assets | $1,239,395,500 | 505 |
| Average equity | $150,900,500 | 498 |
| Average total loans | $942,889,500 | 466 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2238% | 3,253 |
| Cost of funding earning assets | 0.3129% | 5,490 |
| Net interest margin | 3.9109% | 2,252 |
| Noninterest income to average assets | 6.0068% | 110 |
| Noninterest expense to average assets | 6.8643% | 153 |
| Loan and lease loss provision to assets | 0.0608% | 3,924 |
| Net operating income to assets | 1.6758% | 607 |
| Return on assets (ROA) | 1.6724% | 626 |
| Pretax return on assets | 2.6110% | 180 |
| Return on Equity (ROE) | 15.3556% | 704 |
| Retained earnings to average equity (ytd only) | 10.1745% | 534 |
| Net charge-offs to loans | -0.0603% | 6,372 |
| Credit loss provision to net charge-offs | -148.9758% | 5,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2989% | 3,955 |
| Assets per employee ($millions) | 2.4637% | 6,426 |
| Cash dividends to net income (ytd only)* | 33.7405% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7479% | 2,242 |
| Loan loss allowance to noncurrent loans | 305.7095% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.7459% | 4,023 |
| Noncurrent loans to loans | 0.5717% | 4,557 |
| Net loans and leases to total assets | 67.2141% | 2,483 |
| Net loans and leases to deposits | 77.8184% | 2,744 |
| Net loans and leases to core deposits | 80.3909% | 3,081 |
| Total domestic deposits to total assets | 86.3730% | 3,060 |
| Equity capital to assets | 10.7797% | 2,843 |
| Core capital (leverage) ratio | 10.2200% | 3,267 |
| Tier 1 risk-based capital ratio | 12.4384% | 5,324 |
| Total risk-based capital ratio | 13.6492% | 5,296 |
| Memoranda: | ||
| Average total assets | $1,316,751,200 | 504 |
| Average earning assets | $1,190,093,200 | 503 |
| Average equity | $143,407,200 | 508 |
| Average total loans | $890,324,600 | 470 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 3,140 |
| Cost of funding earning assets | 0.3219% | 5,535 |
| Net interest margin | 3.9436% | 2,135 |
| Noninterest income to average assets | 6.2011% | 107 |
| Noninterest expense to average assets | 6.9331% | 148 |
| Loan and lease loss provision to assets | 0.0205% | 4,587 |
| Net operating income to assets | 1.7864% | 536 |
| Return on assets (ROA) | 1.7834% | 567 |
| Pretax return on assets | 2.8057% | 167 |
| Return on Equity (ROE) | 16.3313% | 605 |
| Retained earnings to average equity (ytd only) | 10.8653% | 603 |
| Net charge-offs to loans | -0.1177% | 6,531 |
| Credit loss provision to net charge-offs | -25.8065% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4350% | 4,005 |
| Assets per employee ($millions) | 2.3686% | 6,560 |
| Cash dividends to net income (ytd only)* | 33.4692% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 2,428 |
| Loan loss allowance to noncurrent loans | 236.3075% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 1.0006% | 3,659 |
| Noncurrent loans to loans | 0.7442% | 4,357 |
| Net loans and leases to total assets | 69.9575% | 1,978 |
| Net loans and leases to deposits | 81.9916% | 2,139 |
| Net loans and leases to core deposits | 84.9449% | 2,547 |
| Total domestic deposits to total assets | 85.3227% | 3,575 |
| Equity capital to assets | 11.3655% | 2,413 |
| Core capital (leverage) ratio | 10.4480% | 3,063 |
| Tier 1 risk-based capital ratio | 12.5577% | 5,422 |
| Total risk-based capital ratio | 13.8417% | 5,341 |
| Memoranda: | ||
| Average total assets | $1,302,249,750 | 509 |
| Average earning assets | $1,176,487,250 | 508 |
| Average equity | $142,210,250 | 519 |
| Average total loans | $877,788,750 | 472 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2465% | 3,168 |
| Cost of funding earning assets | 0.3222% | 5,642 |
| Net interest margin | 3.9243% | 2,132 |
| Noninterest income to average assets | 6.1845% | 115 |
| Noninterest expense to average assets | 6.8122% | 154 |
| Loan and lease loss provision to assets | 0.0306% | 4,319 |
| Net operating income to assets | 1.8126% | 504 |
| Return on assets (ROA) | 1.8159% | 540 |
| Pretax return on assets | 2.8936% | 162 |
| Return on Equity (ROE) | 16.8537% | 569 |
| Retained earnings to average equity (ytd only) | 10.8457% | 673 |
| Net charge-offs to loans | -0.1504% | 6,592 |
| Credit loss provision to net charge-offs | -30.7220% | 5,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3934% | 4,289 |
| Assets per employee ($millions) | 2.3574% | 6,608 |
| Cash dividends to net income (ytd only)* | 35.6481% | 2,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 2,590 |
| Loan loss allowance to noncurrent loans | 243.3933% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 3,717 |
| Noncurrent loans to loans | 0.7197% | 4,488 |
| Net loans and leases to total assets | 69.3879% | 1,999 |
| Net loans and leases to deposits | 84.1804% | 1,780 |
| Net loans and leases to core deposits | 87.5467% | 2,167 |
| Total domestic deposits to total assets | 82.4276% | 4,900 |
| Equity capital to assets | 11.0285% | 2,724 |
| Core capital (leverage) ratio | 10.0647% | 3,427 |
| Tier 1 risk-based capital ratio | 12.5167% | 5,483 |
| Total risk-based capital ratio | 13.8026% | 5,403 |
| Memoranda: | ||
| Average total assets | $1,308,407,670 | 505 |
| Average earning assets | $1,182,514,670 | 504 |
| Average equity | $140,978,000 | 523 |
| Average total loans | $865,660,670 | 476 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 2,875 |
| Cost of funding earning assets | 0.3215% | 5,794 |
| Net interest margin | 3.9825% | 1,852 |
| Noninterest income to average assets | 6.0265% | 117 |
| Noninterest expense to average assets | 6.8784% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7456% | 525 |
| Return on assets (ROA) | 1.7522% | 574 |
| Pretax return on assets | 2.7569% | 196 |
| Return on Equity (ROE) | 16.4520% | 559 |
| Retained earnings to average equity (ytd only) | 13.2032% | 529 |
| Net charge-offs to loans | 0.0081% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 532.2941% | 62 |
| Efficiency ratio | 68.8121% | 4,173 |
| Assets per employee ($millions) | 2.4823% | 6,602 |
| Cash dividends to net income (ytd only)* | 19.7471% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7906% | 2,646 |
| Loan loss allowance to noncurrent loans | 196.9448% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 1.1543% | 3,635 |
| Noncurrent loans to loans | 0.9092% | 4,320 |
| Net loans and leases to total assets | 62.6481% | 2,943 |
| Net loans and leases to deposits | 73.1614% | 3,027 |
| Net loans and leases to core deposits | 76.1115% | 3,307 |
| Total domestic deposits to total assets | 85.6301% | 3,719 |
| Equity capital to assets | 10.7885% | 3,209 |
| Core capital (leverage) ratio | 9.7872% | 3,677 |
| Tier 1 risk-based capital ratio | 13.1519% | 5,105 |
| Total risk-based capital ratio | 14.4417% | 5,022 |
| Memoranda: | ||
| Average total assets | $1,317,856,000 | 503 |
| Average earning assets | $1,190,811,500 | 504 |
| Average equity | $140,360,000 | 528 |
| Average total loans | $843,133,000 | 496 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 1,871 |
| Cost of funding earning assets | 0.4196% | 5,789 |
| Net interest margin | 4.4710% | 998 |
| Noninterest income to average assets | 6.6577% | 105 |
| Noninterest expense to average assets | 8.1834% | 110 |
| Loan and lease loss provision to assets | 0.0685% | 4,892 |
| Net operating income to assets | 1.5237% | 875 |
| Return on assets (ROA) | 1.5351% | 939 |
| Pretax return on assets | 2.3924% | 296 |
| Return on Equity (ROE) | 14.3104% | 932 |
| Retained earnings to average equity (ytd only) | 10.6944% | 477 |
| Net charge-offs to loans | -0.1842% | 6,928 |
| Credit loss provision to net charge-offs | -57.7670% | 6,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4372% | 2,999 |
| Assets per employee ($millions) | 2.4628% | 6,645 |
| Cash dividends to net income (ytd only)* | 25.2680% | 3,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,623 |
| Loan loss allowance to noncurrent loans | 218.2225% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2400% | 3,578 |
| Noncurrent loans to loans | 0.8200% | 4,545 |
| Net loans and leases to total assets | 63.0174% | 3,050 |
| Net loans and leases to deposits | 74.2192% | 3,059 |
| Net loans and leases to core deposits | 77.9123% | 3,274 |
| Total domestic deposits to total assets | 84.9072% | 3,903 |
| Equity capital to assets | 10.5122% | 3,516 |
| Core capital (leverage) ratio | 9.7103% | 3,787 |
| Tier 1 risk-based capital ratio | 12.5983% | 5,400 |
| Total risk-based capital ratio | 13.8890% | 5,317 |
| Memoranda: | ||
| Average total assets | $1,215,573,400 | 541 |
| Average earning assets | $1,079,029,000 | 546 |
| Average equity | $130,394,800 | 553 |
| Average total loans | $782,895,600 | 520 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 3,326 |
| Cost of funding earning assets | 0.4469% | 5,817 |
| Net interest margin | 4.1252% | 2,004 |
| Noninterest income to average assets | 6.4118% | 103 |
| Noninterest expense to average assets | 7.6262% | 121 |
| Loan and lease loss provision to assets | 0.0933% | 4,425 |
| Net operating income to assets | 1.4937% | 1,030 |
| Return on assets (ROA) | 1.4937% | 1,147 |
| Pretax return on assets | 2.3450% | 379 |
| Return on Equity (ROE) | 13.8478% | 1,142 |
| Retained earnings to average equity (ytd only) | 10.5102% | 787 |
| Net charge-offs to loans | -0.2444% | 7,024 |
| Credit loss provision to net charge-offs | -59.2040% | 6,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0266% | 3,141 |
| Assets per employee ($millions) | 2.4888% | 6,702 |
| Cash dividends to net income (ytd only)* | 24.1023% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,741 |
| Loan loss allowance to noncurrent loans | 176.8725% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.5103% | 3,321 |
| Noncurrent loans to loans | 1.0267% | 4,399 |
| Net loans and leases to total assets | 67.2058% | 2,423 |
| Net loans and leases to deposits | 79.0672% | 2,525 |
| Net loans and leases to core deposits | 82.3504% | 2,912 |
| Total domestic deposits to total assets | 84.9983% | 3,743 |
| Equity capital to assets | 11.1257% | 3,123 |
| Core capital (leverage) ratio | 9.7492% | 3,873 |
| Tier 1 risk-based capital ratio | 12.6127% | 5,553 |
| Total risk-based capital ratio | 13.9634% | 5,431 |
| Memoranda: | ||
| Average total assets | $1,190,685,000 | 554 |
| Average earning assets | $1,054,331,500 | 562 |
| Average equity | $128,431,250 | 563 |
| Average total loans | $767,654,500 | 525 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 3,437 |
| Cost of funding earning assets | 0.4675% | 5,846 |
| Net interest margin | 4.1155% | 2,029 |
| Noninterest income to average assets | 6.4210% | 108 |
| Noninterest expense to average assets | 7.6474% | 125 |
| Loan and lease loss provision to assets | 0.1408% | 3,756 |
| Net operating income to assets | 1.4518% | 1,081 |
| Return on assets (ROA) | 1.4517% | 1,213 |
| Pretax return on assets | 2.2699% | 439 |
| Return on Equity (ROE) | 13.6050% | 1,206 |
| Retained earnings to average equity (ytd only) | 10.2477% | 902 |
| Net charge-offs to loans | -0.3360% | 7,087 |
| Credit loss provision to net charge-offs | -66.3745% | 6,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3313% | 3,186 |
| Assets per employee ($millions) | 2.2772% | 6,929 |
| Cash dividends to net income (ytd only)* | 24.6770% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9047% | 2,543 |
| Loan loss allowance to noncurrent loans | 157.0060% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 1.6610% | 3,227 |
| Noncurrent loans to loans | 1.2131% | 4,131 |
| Net loans and leases to total assets | 64.4932% | 2,938 |
| Net loans and leases to deposits | 77.3840% | 2,773 |
| Net loans and leases to core deposits | 80.7436% | 3,124 |
| Total domestic deposits to total assets | 83.3419% | 4,606 |
| Equity capital to assets | 10.9131% | 3,215 |
| Core capital (leverage) ratio | 9.5164% | 4,119 |
| Tier 1 risk-based capital ratio | 11.7848% | 6,067 |
| Total risk-based capital ratio | 13.1333% | 5,975 |
| Memoranda: | ||
| Average total assets | $1,183,559,330 | 564 |
| Average earning assets | $1,046,052,670 | 565 |
| Average equity | $126,291,670 | 569 |
| Average total loans | $746,992,000 | 548 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 3,845 |
| Cost of funding earning assets | 0.4911% | 5,871 |
| Net interest margin | 4.0262% | 2,391 |
| Noninterest income to average assets | 6.1068% | 113 |
| Noninterest expense to average assets | 7.7196% | 121 |
| Loan and lease loss provision to assets | 0.2119% | 2,833 |
| Net operating income to assets | 1.1132% | 2,019 |
| Return on assets (ROA) | 1.1130% | 2,202 |
| Pretax return on assets | 1.7324% | 1,229 |
| Return on Equity (ROE) | 10.5519% | 2,209 |
| Retained earnings to average equity (ytd only) | 7.2221% | 2,315 |
| Net charge-offs to loans | -0.6178% | 7,167 |
| Credit loss provision to net charge-offs | -55.5062% | 5,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2925% | 2,604 |
| Assets per employee ($millions) | 2.3450% | 6,964 |
| Cash dividends to net income (ytd only)* | 31.5565% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 2,417 |
| Loan loss allowance to noncurrent loans | 104.3525% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.9977% | 2,901 |
| Noncurrent loans to loans | 1.8989% | 3,285 |
| Net loans and leases to total assets | 59.8228% | 3,710 |
| Net loans and leases to deposits | 69.6895% | 3,770 |
| Net loans and leases to core deposits | 72.3984% | 4,087 |
| Total domestic deposits to total assets | 85.8419% | 3,619 |
| Equity capital to assets | 10.4263% | 3,585 |
| Core capital (leverage) ratio | 9.0784% | 4,714 |
| Tier 1 risk-based capital ratio | 12.3369% | 5,727 |
| Total risk-based capital ratio | 13.6697% | 5,632 |
| Memoranda: | ||
| Average total assets | $1,179,855,500 | 562 |
| Average earning assets | $1,042,462,000 | 566 |
| Average equity | $124,451,500 | 578 |
| Average total loans | $728,984,500 | 560 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 2,056 |
| Cost of funding earning assets | 0.6592% | 5,776 |
| Net interest margin | 4.5411% | 1,040 |
| Noninterest income to average assets | 4.8310% | 129 |
| Noninterest expense to average assets | 7.0167% | 139 |
| Loan and lease loss provision to assets | 0.3856% | 2,678 |
| Net operating income to assets | 0.9862% | 2,251 |
| Return on assets (ROA) | 0.9856% | 2,396 |
| Pretax return on assets | 1.4737% | 1,553 |
| Return on Equity (ROE) | 10.6045% | 1,841 |
| Retained earnings to average equity (ytd only) | 7.8332% | 1,139 |
| Net charge-offs to loans | 0.0624% | 5,674 |
| Credit loss provision to net charge-offs | 1,020.3233% | 221 |
| Earnings coverage of net charge-offs (x) | 49.2240% | 572 |
| Efficiency ratio | 77.0547% | 2,736 |
| Assets per employee ($millions) | 2.5427% | 6,794 |
| Cash dividends to net income (ytd only)* | 26.1335% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7756% | 2,948 |
| Loan loss allowance to noncurrent loans | 98.3287% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 2.1622% | 2,776 |
| Noncurrent loans to loans | 1.8058% | 3,457 |
| Net loans and leases to total assets | 61.4618% | 3,700 |
| Net loans and leases to deposits | 71.7511% | 3,834 |
| Net loans and leases to core deposits | 74.7452% | 4,142 |
| Total domestic deposits to total assets | 85.6598% | 3,506 |
| Equity capital to assets | 10.6751% | 3,335 |
| Core capital (leverage) ratio | 9.5211% | 3,988 |
| Tier 1 risk-based capital ratio | 13.2148% | 4,903 |
| Total risk-based capital ratio | 14.5676% | 4,805 |
| Memoranda: | ||
| Average total assets | $1,145,735,000 | 565 |
| Average earning assets | $1,020,819,400 | 574 |
| Average equity | $106,482,800 | 646 |
| Average total loans | $694,465,600 | 593 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0942% | 2,632 |
| Cost of funding earning assets | 0.6889% | 5,831 |
| Net interest margin | 4.4052% | 1,393 |
| Noninterest income to average assets | 4.6174% | 137 |
| Noninterest expense to average assets | 6.7249% | 151 |
| Loan and lease loss provision to assets | 0.3927% | 2,501 |
| Net operating income to assets | 0.9320% | 2,611 |
| Return on assets (ROA) | 0.9312% | 2,770 |
| Pretax return on assets | 1.4289% | 1,850 |
| Return on Equity (ROE) | 10.4101% | 2,067 |
| Retained earnings to average equity (ytd only) | 7.8829% | 1,551 |
| Net charge-offs to loans | 0.0648% | 5,314 |
| Credit loss provision to net charge-offs | 1,008.3832% | 260 |
| Earnings coverage of net charge-offs (x) | 46.8086% | 684 |
| Efficiency ratio | 76.6112% | 2,745 |
| Assets per employee ($millions) | 2.5652% | 6,820 |
| Cash dividends to net income (ytd only)* | 24.2770% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 3,524 |
| Loan loss allowance to noncurrent loans | 79.5965% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 2.4928% | 2,590 |
| Noncurrent loans to loans | 2.0494% | 3,304 |
| Net loans and leases to total assets | 61.7602% | 3,788 |
| Net loans and leases to deposits | 71.7898% | 4,017 |
| Net loans and leases to core deposits | 74.1506% | 4,428 |
| Total domestic deposits to total assets | 86.0292% | 3,203 |
| Equity capital to assets | 10.4655% | 3,751 |
| Core capital (leverage) ratio | 9.4451% | 4,232 |
| Tier 1 risk-based capital ratio | 12.8829% | 5,183 |
| Total risk-based capital ratio | 14.2839% | 5,041 |
| Memoranda: | ||
| Average total assets | $1,143,569,250 | 577 |
| Average earning assets | $1,020,274,750 | 579 |
| Average equity | $102,295,250 | 676 |
| Average total loans | $687,497,000 | 602 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 3,558 |
| Cost of funding earning assets | 0.7161% | 5,862 |
| Net interest margin | 4.1969% | 2,047 |
| Noninterest income to average assets | 4.5262% | 147 |
| Noninterest expense to average assets | 6.6514% | 161 |
| Loan and lease loss provision to assets | 0.3063% | 2,964 |
| Net operating income to assets | 0.8582% | 2,826 |
| Return on assets (ROA) | 0.8599% | 2,913 |
| Pretax return on assets | 1.3185% | 2,082 |
| Return on Equity (ROE) | 10.2017% | 2,050 |
| Retained earnings to average equity (ytd only) | 8.1859% | 1,388 |
| Net charge-offs to loans | 0.0356% | 5,354 |
| Credit loss provision to net charge-offs | 1,452.5000% | 243 |
| Earnings coverage of net charge-offs (x) | 76.9333% | 446 |
| Efficiency ratio | 78.2636% | 2,669 |
| Assets per employee ($millions) | 2.4054% | 7,018 |
| Cash dividends to net income (ytd only)* | 19.7589% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 4,207 |
| Loan loss allowance to noncurrent loans | 62.8393% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.7367% | 2,443 |
| Noncurrent loans to loans | 2.3600% | 3,033 |
| Net loans and leases to total assets | 62.0157% | 3,882 |
| Net loans and leases to deposits | 70.6022% | 4,354 |
| Net loans and leases to core deposits | 72.6913% | 4,739 |
| Total domestic deposits to total assets | 87.8381% | 2,255 |
| Equity capital to assets | 8.8326% | 5,776 |
| Core capital (leverage) ratio | 7.2536% | 6,891 |
| Tier 1 risk-based capital ratio | 10.2460% | 6,899 |
| Total risk-based capital ratio | 11.6685% | 6,815 |
| Memoranda: | ||
| Average total assets | $1,138,263,670 | 584 |
| Average earning assets | $1,016,321,330 | 591 |
| Average equity | $95,945,000 | 712 |
| Average total loans | $674,004,000 | 624 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 5,352 |
| Cost of funding earning assets | 0.7279% | 5,988 |
| Net interest margin | 3.7673% | 3,770 |
| Noninterest income to average assets | 4.4382% | 149 |
| Noninterest expense to average assets | 6.4568% | 171 |
| Loan and lease loss provision to assets | 0.3899% | 2,236 |
| Net operating income to assets | 0.6338% | 3,842 |
| Return on assets (ROA) | 0.6319% | 3,926 |
| Pretax return on assets | 0.9479% | 3,327 |
| Return on Equity (ROE) | 7.6767% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.6767% | 1,847 |
| Net charge-offs to loans | -0.0213% | 6,586 |
| Credit loss provision to net charge-offs | -3,194.2857% | 6,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6423% | 2,416 |
| Assets per employee ($millions) | 2.3921% | 7,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4634% | 4,374 |
| Loan loss allowance to noncurrent loans | 54.1567% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 2.6503% | 2,595 |
| Noncurrent loans to loans | 2.7021% | 2,793 |
| Net loans and leases to total assets | 56.9416% | 4,810 |
| Net loans and leases to deposits | 64.5515% | 5,179 |
| Net loans and leases to core deposits | 66.6578% | 5,447 |
| Total domestic deposits to total assets | 88.2112% | 2,255 |
| Equity capital to assets | 8.1030% | 6,388 |
| Core capital (leverage) ratio | 7.4485% | 6,759 |
| Tier 1 risk-based capital ratio | 9.9782% | 7,012 |
| Total risk-based capital ratio | 11.3910% | 6,954 |
| Memoranda: | ||
| Average total assets | $1,146,947,000 | 585 |
| Average earning assets | $1,022,699,000 | 593 |
| Average equity | $94,415,500 | 718 |
| Average total loans | $658,208,000 | 653 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5389% | 2,128 |
| Cost of funding earning assets | 1.1265% | 4,989 |
| Net interest margin | 4.4124% | 1,436 |
| Noninterest income to average assets | 4.7859% | 144 |
| Noninterest expense to average assets | 6.8804% | 164 |
| Loan and lease loss provision to assets | 0.6216% | 2,651 |
| Net operating income to assets | 0.7563% | 2,971 |
| Return on assets (ROA) | 0.5814% | 3,911 |
| Pretax return on assets | 0.8475% | 3,474 |
| Return on Equity (ROE) | 7.0950% | 3,067 |
| Retained earnings to average equity (ytd only) | 2.7877% | 3,906 |
| Net charge-offs to loans | 1.3877% | 1,607 |
| Credit loss provision to net charge-offs | 75.5093% | 5,713 |
| Earnings coverage of net charge-offs (x) | 2.0926% | 4,150 |
| Efficiency ratio | 77.9276% | 2,718 |
| Assets per employee ($millions) | 2.2791% | 7,235 |
| Cash dividends to net income (ytd only)* | 60.7087% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 4,535 |
| Loan loss allowance to noncurrent loans | 48.0777% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.7699% | 2,529 |
| Noncurrent loans to loans | 2.9026% | 2,624 |
| Net loans and leases to total assets | 56.1685% | 5,319 |
| Net loans and leases to deposits | 65.5011% | 5,453 |
| Net loans and leases to core deposits | 67.8457% | 5,675 |
| Total domestic deposits to total assets | 85.7519% | 3,474 |
| Equity capital to assets | 8.3689% | 6,046 |
| Core capital (leverage) ratio | 7.4498% | 6,744 |
| Tier 1 risk-based capital ratio | 11.5609% | 5,855 |
| Total risk-based capital ratio | 13.0165% | 5,679 |
| Memoranda: | ||
| Average total assets | $1,097,097,400 | 610 |
| Average earning assets | $949,128,200 | 636 |
| Average equity | $89,894,000 | 742 |
| Average total loans | $650,840,800 | 676 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5624% | 2,203 |
| Cost of funding earning assets | 1.2018% | 4,860 |
| Net interest margin | 4.3606% | 1,640 |
| Noninterest income to average assets | 4.5502% | 151 |
| Noninterest expense to average assets | 6.6665% | 167 |
| Loan and lease loss provision to assets | 0.6335% | 2,407 |
| Net operating income to assets | 0.6694% | 3,546 |
| Return on assets (ROA) | 0.6695% | 3,708 |
| Pretax return on assets | 0.9929% | 3,208 |
| Return on Equity (ROE) | 8.2154% | 2,819 |
| Retained earnings to average equity (ytd only) | 3.8728% | 3,741 |
| Net charge-offs to loans | 1.4107% | 1,443 |
| Credit loss provision to net charge-offs | 74.9423% | 5,286 |
| Earnings coverage of net charge-offs (x) | 1.9238% | 4,267 |
| Efficiency ratio | 78.2595% | 2,591 |
| Assets per employee ($millions) | 2.1811% | 7,398 |
| Cash dividends to net income (ytd only)* | 52.8598% | 1,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 4,765 |
| Loan loss allowance to noncurrent loans | 43.0340% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 3.2439% | 2,202 |
| Noncurrent loans to loans | 3.1068% | 2,569 |
| Net loans and leases to total assets | 63.9348% | 4,139 |
| Net loans and leases to deposits | 73.5025% | 4,592 |
| Net loans and leases to core deposits | 76.0572% | 5,050 |
| Total domestic deposits to total assets | 86.9831% | 2,543 |
| Equity capital to assets | 8.5862% | 6,177 |
| Core capital (leverage) ratio | 7.4079% | 6,928 |
| Tier 1 risk-based capital ratio | 10.3860% | 6,840 |
| Total risk-based capital ratio | 11.7912% | 6,732 |
| Memoranda: | ||
| Average total assets | $1,093,327,000 | 607 |
| Average earning assets | $938,369,750 | 639 |
| Average equity | $89,098,250 | 749 |
| Average total loans | $655,167,250 | 667 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 3,189 |
| Cost of funding earning assets | 1.2643% | 4,750 |
| Net interest margin | 4.0914% | 2,603 |
| Noninterest income to average assets | 4.3964% | 155 |
| Noninterest expense to average assets | 6.3658% | 190 |
| Loan and lease loss provision to assets | 0.7102% | 2,048 |
| Net operating income to assets | 0.5509% | 4,087 |
| Return on assets (ROA) | 0.5509% | 4,228 |
| Pretax return on assets | 0.8003% | 3,880 |
| Return on Equity (ROE) | 6.8800% | 3,358 |
| Retained earnings to average equity (ytd only) | 4.6942% | 3,092 |
| Net charge-offs to loans | 0.8938% | 2,049 |
| Credit loss provision to net charge-offs | 136.2177% | 2,942 |
| Earnings coverage of net charge-offs (x) | 2.8971% | 3,547 |
| Efficiency ratio | 78.5906% | 2,643 |
| Assets per employee ($millions) | 2.2456% | 7,398 |
| Cash dividends to net income (ytd only)* | 31.7701% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8276% | 2,638 |
| Loan loss allowance to noncurrent loans | 59.1102% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 3.1082% | 2,277 |
| Noncurrent loans to loans | 3.0918% | 2,599 |
| Net loans and leases to total assets | 61.6683% | 4,743 |
| Net loans and leases to deposits | 71.4113% | 5,086 |
| Net loans and leases to core deposits | 74.0886% | 5,432 |
| Total domestic deposits to total assets | 86.3565% | 2,898 |
| Equity capital to assets | 8.6363% | 5,965 |
| Core capital (leverage) ratio | 6.9347% | 7,227 |
| Tier 1 risk-based capital ratio | 9.8825% | 7,090 |
| Total risk-based capital ratio | 11.3007% | 6,976 |
| Memoranda: | ||
| Average total assets | $1,099,344,330 | 598 |
| Average earning assets | $935,036,670 | 640 |
| Average equity | $88,022,670 | 742 |
| Average total loans | $641,292,670 | 695 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0549% | 4,760 |
| Cost of funding earning assets | 1.3078% | 4,770 |
| Net interest margin | 3.7471% | 4,021 |
| Noninterest income to average assets | 4.2095% | 155 |
| Noninterest expense to average assets | 6.0733% | 216 |
| Loan and lease loss provision to assets | 0.9547% | 1,317 |
| Net operating income to assets | 0.2516% | 5,485 |
| Return on assets (ROA) | 0.2516% | 5,609 |
| Pretax return on assets | 0.3232% | 5,542 |
| Return on Equity (ROE) | 3.2626% | 5,219 |
| Retained earnings to average equity (ytd only) | 3.2626% | 4,188 |
| Net charge-offs to loans | 0.4557% | 2,681 |
| Credit loss provision to net charge-offs | 372.6008% | 1,096 |
| Earnings coverage of net charge-offs (x) | 4.9875% | 2,498 |
| Efficiency ratio | 80.2744% | 2,524 |
| Assets per employee ($millions) | 2.4179% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0155% | 2,147 |
| Loan loss allowance to noncurrent loans | 52.6288% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.6621% | 2,733 |
| Noncurrent loans to loans | 3.8296% | 2,069 |
| Net loans and leases to total assets | 56.2690% | 5,703 |
| Net loans and leases to deposits | 64.4505% | 6,009 |
| Net loans and leases to core deposits | 66.5839% | 6,241 |
| Total domestic deposits to total assets | 87.3057% | 2,463 |
| Equity capital to assets | 7.8131% | 6,837 |
| Core capital (leverage) ratio | 6.7750% | 7,363 |
| Tier 1 risk-based capital ratio | 10.4058% | 6,715 |
| Total risk-based capital ratio | 11.8677% | 6,518 |
| Memoranda: | ||
| Average total assets | $1,122,416,500 | 601 |
| Average earning assets | $941,107,000 | 651 |
| Average equity | $86,555,500 | 764 |
| Average total loans | $631,148,000 | 729 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 6,304 |
| Cost of funding earning assets | 1.4409% | 5,763 |
| Net interest margin | 3.5992% | 4,553 |
| Noninterest income to average assets | 4.9969% | 143 |
| Noninterest expense to average assets | 5.9462% | 315 |
| Loan and lease loss provision to assets | 0.8189% | 2,675 |
| Net operating income to assets | 0.9437% | 2,029 |
| Return on assets (ROA) | 0.8865% | 2,292 |
| Pretax return on assets | 1.3174% | 1,651 |
| Return on Equity (ROE) | 9.7790% | 1,751 |
| Retained earnings to average equity (ytd only) | 8.6223% | 564 |
| Net charge-offs to loans | 0.6992% | 3,085 |
| Credit loss provision to net charge-offs | 182.1293% | 2,264 |
| Earnings coverage of net charge-offs (x) | 4.9412% | 2,744 |
| Efficiency ratio | 70.0133% | 4,628 |
| Assets per employee ($millions) | 2.5938% | 7,049 |
| Cash dividends to net income (ytd only)* | 11.8282% | 3,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7925% | 2,566 |
| Loan loss allowance to noncurrent loans | 64.5054% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.9890% | 3,415 |
| Noncurrent loans to loans | 2.7788% | 2,780 |
| Net loans and leases to total assets | 54.0455% | 6,197 |
| Net loans and leases to deposits | 63.8620% | 6,284 |
| Net loans and leases to core deposits | 73.5171% | 6,564 |
| Total domestic deposits to total assets | 84.6285% | 3,740 |
| Equity capital to assets | 7.6096% | 6,938 |
| Core capital (leverage) ratio | 7.2150% | 7,055 |
| Tier 1 risk-based capital ratio | 10.5290% | 6,365 |
| Total risk-based capital ratio | 11.9886% | 6,145 |
| Memoranda: | ||
| Average total assets | $877,402,800 | 772 |
| Average earning assets | $773,013,000 | 801 |
| Average equity | $79,537,600 | 815 |
| Average total loans | $564,186,800 | 845 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1803% | 5,958 |
| Cost of funding earning assets | 1.4855% | 5,881 |
| Net interest margin | 3.6948% | 4,098 |
| Noninterest income to average assets | 4.2881% | 152 |
| Noninterest expense to average assets | 5.9628% | 309 |
| Loan and lease loss provision to assets | 0.7710% | 2,445 |
| Net operating income to assets | 0.5840% | 3,657 |
| Return on assets (ROA) | 0.5840% | 3,727 |
| Pretax return on assets | 0.8271% | 3,452 |
| Return on Equity (ROE) | 6.1061% | 3,486 |
| Retained earnings to average equity (ytd only) | 6.1061% | 1,899 |
| Net charge-offs to loans | 0.6866% | 2,639 |
| Credit loss provision to net charge-offs | 166.3848% | 2,826 |
| Earnings coverage of net charge-offs (x) | 3.4489% | 3,524 |
| Efficiency ratio | 76.2746% | 3,453 |
| Assets per employee ($millions) | 2.4135% | 7,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 2,309 |
| Loan loss allowance to noncurrent loans | 130.4588% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 5,165 |
| Noncurrent loans to loans | 1.3729% | 4,622 |
| Net loans and leases to total assets | 55.4930% | 6,200 |
| Net loans and leases to deposits | 63.5656% | 6,537 |
| Net loans and leases to core deposits | 72.6167% | 6,803 |
| Total domestic deposits to total assets | 87.3004% | 2,017 |
| Equity capital to assets | 8.5135% | 6,233 |
| Core capital (leverage) ratio | 7.8002% | 6,609 |
| Tier 1 risk-based capital ratio | 10.5631% | 6,400 |
| Total risk-based capital ratio | 12.1129% | 6,052 |
| Memoranda: | ||
| Average total assets | $816,625,500 | 847 |
| Average earning assets | $723,340,750 | 872 |
| Average equity | $78,105,250 | 835 |
| Average total loans | $551,073,750 | 886 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 4,884 |
| Cost of funding earning assets | 1.5705% | 5,838 |
| Net interest margin | 3.8816% | 3,199 |
| Noninterest income to average assets | 4.5328% | 148 |
| Noninterest expense to average assets | 6.3242% | 292 |
| Loan and lease loss provision to assets | 0.6425% | 2,504 |
| Net operating income to assets | 0.6677% | 3,399 |
| Return on assets (ROA) | 0.6677% | 3,506 |
| Pretax return on assets | 0.9581% | 3,150 |
| Return on Equity (ROE) | 6.6771% | 3,347 |
| Retained earnings to average equity (ytd only) | 6.6771% | 1,708 |
| Net charge-offs to loans | 0.4395% | 3,053 |
| Credit loss provision to net charge-offs | 202.9557% | 2,249 |
| Earnings coverage of net charge-offs (x) | 5.0558% | 2,927 |
| Efficiency ratio | 77.3000% | 3,455 |
| Assets per employee ($millions) | 1.9713% | 7,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6061% | 2,710 |
| Loan loss allowance to noncurrent loans | 134.5053% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.1064% | 4,746 |
| Noncurrent loans to loans | 1.1941% | 4,831 |
| Net loans and leases to total assets | 73.0020% | 2,952 |
| Net loans and leases to deposits | 86.5501% | 3,452 |
| Net loans and leases to core deposits | 101.4720% | 4,349 |
| Total domestic deposits to total assets | 84.3465% | 3,573 |
| Equity capital to assets | 10.3185% | 3,600 |
| Core capital (leverage) ratio | 9.3046% | 4,158 |
| Tier 1 risk-based capital ratio | 10.6605% | 6,225 |
| Total risk-based capital ratio | 12.2015% | 5,870 |
| Memoranda: | ||
| Average total assets | $769,454,000 | 915 |
| Average earning assets | $672,403,670 | 945 |
| Average equity | $76,950,000 | 865 |
| Average total loans | $554,299,000 | 902 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4564% | 5,138 |
| Cost of funding earning assets | 1.6810% | 5,686 |
| Net interest margin | 3.7754% | 3,559 |
| Noninterest income to average assets | 4.4688% | 149 |
| Noninterest expense to average assets | 6.3139% | 261 |
| Loan and lease loss provision to assets | 0.6721% | 1,881 |
| Net operating income to assets | 0.5346% | 4,278 |
| Return on assets (ROA) | 0.5346% | 4,469 |
| Pretax return on assets | 0.7501% | 4,256 |
| Return on Equity (ROE) | 5.4301% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.4301% | 2,884 |
| Net charge-offs to loans | 0.4895% | 2,237 |
| Credit loss provision to net charge-offs | 193.4524% | 2,286 |
| Earnings coverage of net charge-offs (x) | 4.0938% | 2,978 |
| Efficiency ratio | 79.0831% | 2,985 |
| Assets per employee ($millions) | 2.0182% | 7,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 2,755 |
| Loan loss allowance to noncurrent loans | 145.1014% | 2,223 |
| Noncurrent assets plus other real estate owned to assets | 0.9253% | 4,878 |
| Noncurrent loans to loans | 1.0626% | 4,856 |
| Net loans and leases to total assets | 68.1420% | 4,099 |
| Net loans and leases to deposits | 80.0153% | 4,610 |
| Net loans and leases to core deposits | 93.3859% | 5,216 |
| Total domestic deposits to total assets | 85.1612% | 3,130 |
| Equity capital to assets | 9.6262% | 4,486 |
| Core capital (leverage) ratio | 9.2116% | 4,383 |
| Tier 1 risk-based capital ratio | 10.6728% | 6,221 |
| Total risk-based capital ratio | 12.2271% | 5,825 |
| Memoranda: | ||
| Average total assets | $773,725,000 | 903 |
| Average earning assets | $669,593,000 | 951 |
| Average equity | $76,167,500 | 874 |
| Average total loans | $549,174,500 | 917 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1668% | 4,685 |
| Cost of funding earning assets | 2.1695% | 5,732 |
| Net interest margin | 3.9974% | 3,126 |
| Noninterest income to average assets | 5.3698% | 117 |
| Noninterest expense to average assets | 6.4199% | 344 |
| Loan and lease loss provision to assets | 0.3877% | 3,365 |
| Net operating income to assets | 1.3901% | 1,252 |
| Return on assets (ROA) | 1.2992% | 1,436 |
| Pretax return on assets | 1.9556% | 688 |
| Return on Equity (ROE) | 12.5556% | 1,428 |
| Retained earnings to average equity (ytd only) | 9.2688% | 562 |
| Net charge-offs to loans | 0.2389% | 3,861 |
| Credit loss provision to net charge-offs | 221.6680% | 2,160 |
| Earnings coverage of net charge-offs (x) | 14.1871% | 2,065 |
| Efficiency ratio | 69.9678% | 4,358 |
| Assets per employee ($millions) | 1.9851% | 7,920 |
| Cash dividends to net income (ytd only)* | 26.1777% | 4,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 3,096 |
| Loan loss allowance to noncurrent loans | 140.6734% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.8939% | 4,619 |
| Noncurrent loans to loans | 1.0083% | 4,571 |
| Net loans and leases to total assets | 71.7953% | 3,632 |
| Net loans and leases to deposits | 85.3045% | 4,210 |
| Net loans and leases to core deposits | 98.9617% | 4,935 |
| Total domestic deposits to total assets | 84.1635% | 3,236 |
| Equity capital to assets | 10.0724% | 3,951 |
| Core capital (leverage) ratio | 9.2496% | 4,368 |
| Tier 1 risk-based capital ratio | 10.3828% | 6,331 |
| Total risk-based capital ratio | 11.9259% | 5,935 |
| Memoranda: | ||
| Average total assets | $733,627,200 | 914 |
| Average earning assets | $648,078,200 | 935 |
| Average equity | $75,910,600 | 872 |
| Average total loans | $537,028,000 | 889 |