Home > Bank of Guam > Performance and Condition Ratios
Bank of Guam, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 2,041 |
| Cost of funding earning assets | 0.0348% | 4,504 |
| Net interest margin | 4.9822% | 322 |
| Noninterest income to average assets | 1.8700% | 289 |
| Noninterest expense to average assets | 4.7126% | 256 |
| Loan and lease loss provision to assets | 0.4500% | 209 |
| Net operating income to assets | 1.0247% | 2,140 |
| Return on assets (ROA) | 1.0188% | 2,140 |
| Pretax return on assets | 1.3301% | 1,795 |
| Return on Equity (ROE) | 16.4700% | 1,022 |
| Retained earnings to average equity (ytd only) | 12.7079% | 542 |
| Net charge-offs to loans | 0.4970% | 205 |
| Credit loss provision to net charge-offs | 154.6141% | 1,450 |
| Earnings coverage of net charge-offs (x) | 6.1682% | 2,489 |
| Efficiency ratio | 72.5303% | 1,611 |
| Assets per employee ($millions) | 4.7175% | 3,823 |
| Cash dividends to net income (ytd only)* | 22.8523% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5686% | 179 |
| Loan loss allowance to noncurrent loans | 321.9620% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 1,128 |
| Noncurrent loans to loans | 0.7978% | 972 |
| Net loans and leases to total assets | 60.9100% | 2,759 |
| Net loans and leases to deposits | 66.6009% | 3,133 |
| Net loans and leases to core deposits | 107.7516% | 1,045 |
| Total domestic deposits to total assets | 71.7000% | 4,236 |
| Equity capital to assets | 6.8599% | 3,988 |
| Core capital (leverage) ratio | 8.9666% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8526% | 1,577 |
| Memoranda: | ||
| Average total assets | $2,561,544,000 | 457 |
| Average earning assets | $2,378,646,400 | 446 |
| Average equity | $158,436,800 | 650 |
| Average total loans | $1,491,365,000 | 513 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9618% | 1,918 |
| Cost of funding earning assets | 0.0322% | 4,532 |
| Net interest margin | 4.9295% | 341 |
| Noninterest income to average assets | 1.8400% | 312 |
| Noninterest expense to average assets | 4.6045% | 265 |
| Loan and lease loss provision to assets | 0.2300% | 452 |
| Net operating income to assets | 1.2407% | 1,671 |
| Return on assets (ROA) | 1.2407% | 1,665 |
| Pretax return on assets | 1.5787% | 1,401 |
| Return on Equity (ROE) | 20.6200% | 665 |
| Retained earnings to average equity (ytd only) | 17.0591% | 386 |
| Net charge-offs to loans | 0.0953% | 816 |
| Credit loss provision to net charge-offs | 417.4618% | 703 |
| Earnings coverage of net charge-offs (x) | 33.1689% | 1,541 |
| Efficiency ratio | 71.8274% | 1,591 |
| Assets per employee ($millions) | 4.7740% | 3,757 |
| Cash dividends to net income (ytd only)* | 17.2564% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6534% | 166 |
| Loan loss allowance to noncurrent loans | 238.5393% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.6583% | 869 |
| Noncurrent loans to loans | 1.1123% | 707 |
| Net loans and leases to total assets | 57.6100% | 3,060 |
| Net loans and leases to deposits | 62.5792% | 3,369 |
| Net loans and leases to core deposits | 103.2336% | 1,154 |
| Total domestic deposits to total assets | 72.4700% | 4,235 |
| Equity capital to assets | 6.2459% | 3,907 |
| Core capital (leverage) ratio | 8.7328% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2885% | 1,477 |
| Memoranda: | ||
| Average total assets | $2,566,253,000 | 455 |
| Average earning assets | $2,381,408,250 | 446 |
| Average equity | $154,439,250 | 656 |
| Average total loans | $1,466,829,000 | 523 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8031% | 1,988 |
| Cost of funding earning assets | 0.0318% | 4,556 |
| Net interest margin | 4.7713% | 417 |
| Noninterest income to average assets | 1.8200% | 268 |
| Noninterest expense to average assets | 4.6166% | 254 |
| Loan and lease loss provision to assets | 0.2200% | 474 |
| Net operating income to assets | 1.1098% | 2,099 |
| Return on assets (ROA) | 1.1098% | 2,085 |
| Pretax return on assets | 1.4106% | 1,789 |
| Return on Equity (ROE) | 18.6800% | 876 |
| Retained earnings to average equity (ytd only) | 15.2804% | 537 |
| Net charge-offs to loans | 0.0665% | 889 |
| Credit loss provision to net charge-offs | 587.3706% | 587 |
| Earnings coverage of net charge-offs (x) | 43.4079% | 1,360 |
| Efficiency ratio | 73.8891% | 1,357 |
| Assets per employee ($millions) | 5.1501% | 3,457 |
| Cash dividends to net income (ytd only)* | 18.1799% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6389% | 185 |
| Loan loss allowance to noncurrent loans | 151.2873% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 485 |
| Noncurrent loans to loans | 1.7443% | 352 |
| Net loans and leases to total assets | 54.4400% | 3,241 |
| Net loans and leases to deposits | 58.9893% | 3,483 |
| Net loans and leases to core deposits | 98.5951% | 1,312 |
| Total domestic deposits to total assets | 72.3600% | 4,281 |
| Equity capital to assets | 5.9748% | 4,164 |
| Core capital (leverage) ratio | 8.3158% | 4,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9567% | 1,585 |
| Memoranda: | ||
| Average total assets | $2,570,313,667 | 439 |
| Average earning assets | $2,385,104,333 | 432 |
| Average equity | $152,744,333 | 661 |
| Average total loans | $1,451,912,000 | 516 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6822% | 1,894 |
| Cost of funding earning assets | 0.0316% | 4,598 |
| Net interest margin | 4.6506% | 481 |
| Noninterest income to average assets | 1.8300% | 256 |
| Noninterest expense to average assets | 4.6393% | 259 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.0202% | 2,467 |
| Return on assets (ROA) | 1.0202% | 2,433 |
| Pretax return on assets | 1.2969% | 2,187 |
| Return on Equity (ROE) | 17.2200% | 1,139 |
| Retained earnings to average equity (ytd only) | 14.5421% | 863 |
| Net charge-offs to loans | 0.1170% | 539 |
| Credit loss provision to net charge-offs | 339.0476% | 651 |
| Earnings coverage of net charge-offs (x) | 22.9167% | 1,414 |
| Efficiency ratio | 75.2958% | 1,220 |
| Assets per employee ($millions) | 5.1344% | 3,543 |
| Cash dividends to net income (ytd only)* | 15.5325% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5940% | 207 |
| Loan loss allowance to noncurrent loans | 130.3686% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 323 |
| Noncurrent loans to loans | 1.9897% | 280 |
| Net loans and leases to total assets | 56.2600% | 3,022 |
| Net loans and leases to deposits | 61.1801% | 3,270 |
| Net loans and leases to core deposits | 97.8549% | 1,185 |
| Total domestic deposits to total assets | 71.0700% | 4,389 |
| Equity capital to assets | 6.2144% | 4,132 |
| Core capital (leverage) ratio | 8.3353% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7138% | 1,713 |
| Memoranda: | ||
| Average total assets | $2,529,327,500 | 458 |
| Average earning assets | $2,354,386,500 | 448 |
| Average equity | $149,882,000 | 682 |
| Average total loans | $1,436,379,500 | 532 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 2,345 |
| Cost of funding earning assets | 0.0067% | 4,640 |
| Net interest margin | 3.7690% | 1,226 |
| Noninterest income to average assets | 1.7400% | 297 |
| Noninterest expense to average assets | 4.1616% | 298 |
| Loan and lease loss provision to assets | 0.2200% | 456 |
| Net operating income to assets | 0.7097% | 3,593 |
| Return on assets (ROA) | 0.7097% | 3,535 |
| Pretax return on assets | 0.8885% | 3,396 |
| Return on Equity (ROE) | 12.2900% | 2,038 |
| Retained earnings to average equity (ytd only) | 8.5051% | 1,640 |
| Net charge-offs to loans | 0.2450% | 327 |
| Credit loss provision to net charge-offs | 172.1534% | 1,210 |
| Earnings coverage of net charge-offs (x) | 8.8040% | 2,251 |
| Efficiency ratio | 79.0261% | 789 |
| Assets per employee ($millions) | 5.2215% | 3,494 |
| Cash dividends to net income (ytd only)* | 30.8045% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5976% | 193 |
| Loan loss allowance to noncurrent loans | 130.2779% | 3,115 |
| Noncurrent assets plus other real estate owned to assets | 1.1130% | 365 |
| Noncurrent loans to loans | 1.9939% | 284 |
| Net loans and leases to total assets | 54.3700% | 3,166 |
| Net loans and leases to deposits | 58.7529% | 3,410 |
| Net loans and leases to core deposits | 91.4616% | 1,427 |
| Total domestic deposits to total assets | 72.4600% | 4,416 |
| Equity capital to assets | 5.6072% | 4,206 |
| Core capital (leverage) ratio | 8.0791% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7090% | 1,728 |
| Memoranda: | ||
| Average total assets | $2,639,170,800 | 436 |
| Average earning assets | $2,466,899,400 | 426 |
| Average equity | $152,391,400 | 671 |
| Average total loans | $1,351,580,600 | 522 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 2,410 |
| Cost of funding earning assets | 0.0067% | 4,679 |
| Net interest margin | 3.5671% | 1,473 |
| Noninterest income to average assets | 1.7000% | 316 |
| Noninterest expense to average assets | 4.0344% | 322 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.6350% | 3,735 |
| Return on assets (ROA) | 0.6350% | 3,689 |
| Pretax return on assets | 0.7929% | 3,599 |
| Return on Equity (ROE) | 10.9200% | 2,405 |
| Retained earnings to average equity (ytd only) | 7.5480% | 2,165 |
| Net charge-offs to loans | 0.2542% | 263 |
| Credit loss provision to net charge-offs | 167.9104% | 1,072 |
| Earnings coverage of net charge-offs (x) | 7.9030% | 2,061 |
| Efficiency ratio | 80.0284% | 774 |
| Assets per employee ($millions) | 5.0899% | 3,601 |
| Cash dividends to net income (ytd only)* | 30.8959% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6904% | 182 |
| Loan loss allowance to noncurrent loans | 211.5254% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 776 |
| Noncurrent loans to loans | 1.2719% | 577 |
| Net loans and leases to total assets | 51.4600% | 3,341 |
| Net loans and leases to deposits | 55.3708% | 3,528 |
| Net loans and leases to core deposits | 85.0729% | 1,582 |
| Total domestic deposits to total assets | 73.2500% | 4,472 |
| Equity capital to assets | 5.1371% | 4,256 |
| Core capital (leverage) ratio | 7.7431% | 4,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8913% | 1,742 |
| Memoranda: | ||
| Average total assets | $2,664,556,750 | 430 |
| Average earning assets | $2,493,381,000 | 421 |
| Average equity | $154,916,500 | 672 |
| Average total loans | $1,335,330,750 | 522 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3701% | 2,517 |
| Cost of funding earning assets | 0.0067% | 4,745 |
| Net interest margin | 3.3634% | 1,704 |
| Noninterest income to average assets | 1.6312% | 300 |
| Noninterest expense to average assets | 3.9073% | 302 |
| Loan and lease loss provision to assets | 0.2106% | 382 |
| Net operating income to assets | 0.5403% | 3,794 |
| Return on assets (ROA) | 0.5403% | 3,747 |
| Pretax return on assets | 0.6717% | 3,652 |
| Return on Equity (ROE) | 8.9670% | 2,715 |
| Retained earnings to average equity (ytd only) | 5.7757% | 2,410 |
| Net charge-offs to loans | 0.2290% | 283 |
| Credit loss provision to net charge-offs | 186.7628% | 1,002 |
| Earnings coverage of net charge-offs (x) | 7.8237% | 1,844 |
| Efficiency ratio | 81.5776% | 830 |
| Assets per employee ($millions) | 5.2267% | 3,492 |
| Cash dividends to net income (ytd only)* | 35.5902% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 213 |
| Loan loss allowance to noncurrent loans | 207.7563% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 848 |
| Noncurrent loans to loans | 1.2670% | 625 |
| Net loans and leases to total assets | 49.8760% | 3,389 |
| Net loans and leases to deposits | 53.7979% | 3,555 |
| Net loans and leases to core deposits | 82.9372% | 1,524 |
| Total domestic deposits to total assets | 73.0052% | 4,561 |
| Equity capital to assets | 5.5182% | 4,356 |
| Core capital (leverage) ratio | 7.4352% | 4,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5225% | 1,857 |
| Memoranda: | ||
| Average total assets | $2,706,126,667 | 423 |
| Average earning assets | $2,541,210,333 | 410 |
| Average equity | $163,063,667 | 650 |
| Average total loans | $1,332,709,667 | 516 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2550% | 2,517 |
| Cost of funding earning assets | 0.0067% | 4,762 |
| Net interest margin | 3.2483% | 1,725 |
| Noninterest income to average assets | 1.5435% | 342 |
| Noninterest expense to average assets | 3.7991% | 319 |
| Loan and lease loss provision to assets | 0.2085% | 344 |
| Net operating income to assets | 0.4820% | 3,755 |
| Return on assets (ROA) | 0.4820% | 3,722 |
| Pretax return on assets | 0.5986% | 3,638 |
| Return on Equity (ROE) | 7.6860% | 2,810 |
| Retained earnings to average equity (ytd only) | 5.2694% | 2,491 |
| Net charge-offs to loans | 0.2266% | 275 |
| Credit loss provision to net charge-offs | 190.5080% | 793 |
| Earnings coverage of net charge-offs (x) | 7.3757% | 1,542 |
| Efficiency ratio | 82.4779% | 949 |
| Assets per employee ($millions) | 5.2156% | 3,574 |
| Cash dividends to net income (ytd only)* | 31.4416% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6531% | 244 |
| Loan loss allowance to noncurrent loans | 198.6018% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 905 |
| Noncurrent loans to loans | 1.3359% | 652 |
| Net loans and leases to total assets | 47.6500% | 3,423 |
| Net loans and leases to deposits | 51.4266% | 3,613 |
| Net loans and leases to core deposits | 81.5523% | 1,374 |
| Total domestic deposits to total assets | 72.3077% | 4,616 |
| Equity capital to assets | 5.9202% | 4,601 |
| Core capital (leverage) ratio | 7.2391% | 4,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9106% | 1,830 |
| Memoranda: | ||
| Average total assets | $2,734,226,500 | 421 |
| Average earning assets | $2,577,941,500 | 410 |
| Average equity | $171,481,000 | 634 |
| Average total loans | $1,320,359,500 | 513 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2441% | 3,359 |
| Cost of funding earning assets | 0.0185% | 4,776 |
| Net interest margin | 3.2257% | 2,538 |
| Noninterest income to average assets | 1.4372% | 544 |
| Noninterest expense to average assets | 3.5999% | 431 |
| Loan and lease loss provision to assets | 0.0801% | 1,532 |
| Net operating income to assets | 0.6424% | 3,767 |
| Return on assets (ROA) | 0.6507% | 3,805 |
| Pretax return on assets | 0.8076% | 3,709 |
| Return on Equity (ROE) | 9.9567% | 2,538 |
| Retained earnings to average equity (ytd only) | 7.1666% | 1,855 |
| Net charge-offs to loans | 0.1837% | 527 |
| Credit loss provision to net charge-offs | 84.4130% | 1,924 |
| Earnings coverage of net charge-offs (x) | 9.2497% | 2,266 |
| Efficiency ratio | 80.4011% | 781 |
| Assets per employee ($millions) | 5.2242% | 3,538 |
| Cash dividends to net income (ytd only)* | 28.0227% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6101% | 239 |
| Loan loss allowance to noncurrent loans | 184.3450% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 952 |
| Noncurrent loans to loans | 1.4159% | 658 |
| Net loans and leases to total assets | 46.4565% | 3,655 |
| Net loans and leases to deposits | 50.5177% | 3,851 |
| Net loans and leases to core deposits | 76.1866% | 1,905 |
| Total domestic deposits to total assets | 71.8008% | 4,646 |
| Equity capital to assets | 6.4994% | 4,792 |
| Core capital (leverage) ratio | 6.8395% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0590% | 1,825 |
| Memoranda: | ||
| Average total assets | $2,684,685,000 | 410 |
| Average earning assets | $2,530,433,200 | 401 |
| Average equity | $175,439,400 | 616 |
| Average total loans | $1,386,351,200 | 494 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2545% | 3,505 |
| Cost of funding earning assets | 0.0188% | 4,860 |
| Net interest margin | 3.2357% | 2,622 |
| Noninterest income to average assets | 1.4487% | 580 |
| Noninterest expense to average assets | 3.5507% | 430 |
| Loan and lease loss provision to assets | 0.2714% | 313 |
| Net operating income to assets | 0.5360% | 4,129 |
| Return on assets (ROA) | 0.5468% | 4,150 |
| Pretax return on assets | 0.6869% | 4,086 |
| Return on Equity (ROE) | 8.3563% | 3,295 |
| Retained earnings to average equity (ytd only) | 5.7309% | 2,939 |
| Net charge-offs to loans | 0.2074% | 398 |
| Credit loss provision to net charge-offs | 248.5112% | 1,102 |
| Earnings coverage of net charge-offs (x) | 8.6500% | 2,098 |
| Efficiency ratio | 78.9848% | 813 |
| Assets per employee ($millions) | 5.2333% | 3,470 |
| Cash dividends to net income (ytd only)* | 31.4181% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7824% | 197 |
| Loan loss allowance to noncurrent loans | 77.5504% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.6390% | 287 |
| Noncurrent loans to loans | 3.5878% | 156 |
| Net loans and leases to total assets | 44.4099% | 3,920 |
| Net loans and leases to deposits | 47.9824% | 4,118 |
| Net loans and leases to core deposits | 68.5706% | 2,729 |
| Total domestic deposits to total assets | 75.1957% | 4,592 |
| Equity capital to assets | 6.0525% | 4,886 |
| Core capital (leverage) ratio | 6.5608% | 4,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5061% | 2,163 |
| Memoranda: | ||
| Average total assets | $2,664,954,750 | 413 |
| Average earning assets | $2,509,327,500 | 404 |
| Average equity | $174,395,000 | 628 |
| Average total loans | $1,403,368,000 | 497 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3652% | 3,279 |
| Cost of funding earning assets | 0.0195% | 4,896 |
| Net interest margin | 3.3457% | 2,312 |
| Noninterest income to average assets | 1.4610% | 569 |
| Noninterest expense to average assets | 3.5505% | 441 |
| Loan and lease loss provision to assets | 0.2309% | 448 |
| Net operating income to assets | 0.6518% | 3,871 |
| Return on assets (ROA) | 0.6686% | 3,898 |
| Pretax return on assets | 0.8459% | 3,779 |
| Return on Equity (ROE) | 9.9260% | 2,767 |
| Retained earnings to average equity (ytd only) | 7.1398% | 2,378 |
| Net charge-offs to loans | 0.2349% | 373 |
| Credit loss provision to net charge-offs | 177.4970% | 1,099 |
| Earnings coverage of net charge-offs (x) | 8.1143% | 1,892 |
| Efficiency ratio | 77.0849% | 983 |
| Assets per employee ($millions) | 4.9856% | 3,669 |
| Cash dividends to net income (ytd only)* | 28.0698% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5898% | 250 |
| Loan loss allowance to noncurrent loans | 72.7975% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 1.6970% | 299 |
| Noncurrent loans to loans | 3.5575% | 175 |
| Net loans and leases to total assets | 46.4682% | 3,871 |
| Net loans and leases to deposits | 50.1750% | 4,098 |
| Net loans and leases to core deposits | 71.9689% | 2,607 |
| Total domestic deposits to total assets | 74.8191% | 4,627 |
| Equity capital to assets | 5.8853% | 4,924 |
| Core capital (leverage) ratio | 6.4143% | 4,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9579% | 2,381 |
| Memoranda: | ||
| Average total assets | $2,555,462,000 | 430 |
| Average earning assets | $2,402,095,667 | 417 |
| Average equity | $172,133,667 | 629 |
| Average total loans | $1,415,348,000 | 491 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6668% | 2,447 |
| Cost of funding earning assets | 0.0209% | 4,927 |
| Net interest margin | 3.6459% | 1,459 |
| Noninterest income to average assets | 1.4803% | 617 |
| Noninterest expense to average assets | 3.8624% | 318 |
| Loan and lease loss provision to assets | 0.4173% | 180 |
| Net operating income to assets | 0.4921% | 4,187 |
| Return on assets (ROA) | 0.5292% | 4,158 |
| Pretax return on assets | 0.6555% | 4,101 |
| Return on Equity (ROE) | 7.2903% | 3,526 |
| Retained earnings to average equity (ytd only) | 4.8749% | 3,260 |
| Net charge-offs to loans | 0.2796% | 305 |
| Credit loss provision to net charge-offs | 248.2447% | 825 |
| Earnings coverage of net charge-offs (x) | 6.1093% | 1,654 |
| Efficiency ratio | 78.9958% | 891 |
| Assets per employee ($millions) | 4.0414% | 4,451 |
| Cash dividends to net income (ytd only)* | 33.1316% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5465% | 240 |
| Loan loss allowance to noncurrent loans | 73.8450% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 2.0467% | 242 |
| Noncurrent loans to loans | 3.4484% | 201 |
| Net loans and leases to total assets | 57.8414% | 2,816 |
| Net loans and leases to deposits | 63.2269% | 3,198 |
| Net loans and leases to core deposits | 101.6510% | 640 |
| Total domestic deposits to total assets | 69.2382% | 4,781 |
| Equity capital to assets | 6.7862% | 4,879 |
| Core capital (leverage) ratio | 7.4245% | 4,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5637% | 2,464 |
| Memoranda: | ||
| Average total assets | $2,372,421,000 | 445 |
| Average earning assets | $2,218,292,500 | 444 |
| Average equity | $172,229,000 | 626 |
| Average total loans | $1,426,181,000 | 490 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 2,308 |
| Cost of funding earning assets | 0.0644% | 4,924 |
| Net interest margin | 4.0769% | 832 |
| Noninterest income to average assets | 1.5523% | 506 |
| Noninterest expense to average assets | 4.1664% | 321 |
| Loan and lease loss provision to assets | 0.4738% | 564 |
| Net operating income to assets | 0.5551% | 3,887 |
| Return on assets (ROA) | 0.5647% | 3,961 |
| Pretax return on assets | 0.7241% | 3,831 |
| Return on Equity (ROE) | 6.9629% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.2620% | 2,676 |
| Net charge-offs to loans | 0.2501% | 696 |
| Credit loss provision to net charge-offs | 302.6001% | 1,720 |
| Earnings coverage of net charge-offs (x) | 7.5735% | 2,683 |
| Efficiency ratio | 77.8461% | 1,042 |
| Assets per employee ($millions) | 3.9065% | 4,440 |
| Cash dividends to net income (ytd only)* | 38.7899% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4381% | 280 |
| Loan loss allowance to noncurrent loans | 171.7493% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8646% | 1,160 |
| Noncurrent loans to loans | 1.4196% | 947 |
| Net loans and leases to total assets | 59.4196% | 2,933 |
| Net loans and leases to deposits | 65.6594% | 3,306 |
| Net loans and leases to core deposits | 100.3346% | 885 |
| Total domestic deposits to total assets | 68.9729% | 4,794 |
| Equity capital to assets | 7.7447% | 4,787 |
| Core capital (leverage) ratio | 7.6857% | 4,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6604% | 2,380 |
| Memoranda: | ||
| Average total assets | $2,186,379,400 | 445 |
| Average earning assets | $2,037,750,200 | 436 |
| Average equity | $177,310,600 | 571 |
| Average total loans | $1,368,869,400 | 491 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2196% | 2,342 |
| Cost of funding earning assets | 0.0801% | 4,958 |
| Net interest margin | 4.1395% | 829 |
| Noninterest income to average assets | 1.5824% | 475 |
| Noninterest expense to average assets | 4.2931% | 298 |
| Loan and lease loss provision to assets | 0.4600% | 685 |
| Net operating income to assets | 0.5264% | 3,964 |
| Return on assets (ROA) | 0.5298% | 4,048 |
| Pretax return on assets | 0.6869% | 3,933 |
| Return on Equity (ROE) | 6.4533% | 3,391 |
| Retained earnings to average equity (ytd only) | 3.8579% | 3,116 |
| Net charge-offs to loans | 0.2460% | 620 |
| Credit loss provision to net charge-offs | 296.3986% | 1,771 |
| Earnings coverage of net charge-offs (x) | 7.3633% | 2,581 |
| Efficiency ratio | 78.9780% | 943 |
| Assets per employee ($millions) | 3.9313% | 4,374 |
| Cash dividends to net income (ytd only)* | 40.2180% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3466% | 285 |
| Loan loss allowance to noncurrent loans | 163.1883% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 1,369 |
| Noncurrent loans to loans | 1.4380% | 1,002 |
| Net loans and leases to total assets | 57.6359% | 3,454 |
| Net loans and leases to deposits | 63.7362% | 3,810 |
| Net loans and leases to core deposits | 98.4920% | 1,274 |
| Total domestic deposits to total assets | 69.6184% | 4,772 |
| Equity capital to assets | 7.6173% | 4,830 |
| Core capital (leverage) ratio | 7.3753% | 4,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8208% | 2,277 |
| Memoranda: | ||
| Average total assets | $2,147,004,750 | 442 |
| Average earning assets | $1,998,609,750 | 436 |
| Average equity | $176,256,750 | 566 |
| Average total loans | $1,354,205,000 | 485 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,146 |
| Cost of funding earning assets | 0.0936% | 4,978 |
| Net interest margin | 4.3302% | 705 |
| Noninterest income to average assets | 1.6345% | 392 |
| Noninterest expense to average assets | 4.4521% | 265 |
| Loan and lease loss provision to assets | 0.4443% | 869 |
| Net operating income to assets | 0.5891% | 3,775 |
| Return on assets (ROA) | 0.5891% | 3,858 |
| Pretax return on assets | 0.7661% | 3,683 |
| Return on Equity (ROE) | 6.9839% | 3,138 |
| Retained earnings to average equity (ytd only) | 4.2489% | 2,800 |
| Net charge-offs to loans | 0.2378% | 661 |
| Credit loss provision to net charge-offs | 289.2028% | 1,650 |
| Earnings coverage of net charge-offs (x) | 7.8788% | 2,334 |
| Efficiency ratio | 78.6239% | 995 |
| Assets per employee ($millions) | 3.7682% | 4,492 |
| Cash dividends to net income (ytd only)* | 39.1618% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2199% | 324 |
| Loan loss allowance to noncurrent loans | 132.1241% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 1,171 |
| Noncurrent loans to loans | 1.6801% | 861 |
| Net loans and leases to total assets | 59.3770% | 3,388 |
| Net loans and leases to deposits | 65.8871% | 3,731 |
| Net loans and leases to core deposits | 104.1502% | 991 |
| Total domestic deposits to total assets | 69.3512% | 4,810 |
| Equity capital to assets | 7.8087% | 4,802 |
| Core capital (leverage) ratio | 7.8494% | 4,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9904% | 2,184 |
| Memoranda: | ||
| Average total assets | $2,073,790,333 | 453 |
| Average earning assets | $1,929,087,000 | 443 |
| Average equity | $174,917,667 | 563 |
| Average total loans | $1,340,000,667 | 487 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 1,187 |
| Cost of funding earning assets | 0.1079% | 5,032 |
| Net interest margin | 4.7936% | 277 |
| Noninterest income to average assets | 2.0475% | 262 |
| Noninterest expense to average assets | 5.2373% | 196 |
| Loan and lease loss provision to assets | 0.4492% | 675 |
| Net operating income to assets | 0.6583% | 3,417 |
| Return on assets (ROA) | 0.6583% | 3,476 |
| Pretax return on assets | 0.8119% | 3,381 |
| Return on Equity (ROE) | 7.4807% | 2,740 |
| Retained earnings to average equity (ytd only) | 5.0820% | 2,240 |
| Net charge-offs to loans | 0.3077% | 478 |
| Credit loss provision to net charge-offs | 218.1998% | 1,369 |
| Earnings coverage of net charge-offs (x) | 6.1286% | 2,005 |
| Efficiency ratio | 80.5926% | 1,081 |
| Assets per employee ($millions) | 3.2551% | 4,663 |
| Cash dividends to net income (ytd only)* | 32.0656% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1926% | 382 |
| Loan loss allowance to noncurrent loans | 114.4742% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 917 |
| Noncurrent loans to loans | 1.9154% | 765 |
| Net loans and leases to total assets | 65.2970% | 2,900 |
| Net loans and leases to deposits | 73.5507% | 3,319 |
| Net loans and leases to core deposits | 116.1204% | 584 |
| Total domestic deposits to total assets | 67.7543% | 4,933 |
| Equity capital to assets | 8.8824% | 4,660 |
| Core capital (leverage) ratio | 8.6779% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8159% | 2,359 |
| Memoranda: | ||
| Average total assets | $1,965,148,500 | 457 |
| Average earning assets | $1,824,666,500 | 453 |
| Average equity | $172,925,000 | 563 |
| Average total loans | $1,314,373,000 | 476 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1649% | 1,074 |
| Cost of funding earning assets | 0.1119% | 5,091 |
| Net interest margin | 5.0530% | 239 |
| Noninterest income to average assets | 2.0289% | 253 |
| Noninterest expense to average assets | 5.1187% | 199 |
| Loan and lease loss provision to assets | 0.5078% | 254 |
| Net operating income to assets | 0.8216% | 3,480 |
| Return on assets (ROA) | 0.8358% | 3,518 |
| Pretax return on assets | 1.1291% | 3,081 |
| Return on Equity (ROE) | 10.3258% | 2,151 |
| Retained earnings to average equity (ytd only) | 7.5243% | 1,159 |
| Net charge-offs to loans | 0.4484% | 424 |
| Credit loss provision to net charge-offs | 171.9606% | 1,509 |
| Earnings coverage of net charge-offs (x) | 5.4821% | 3,081 |
| Efficiency ratio | 75.9723% | 1,376 |
| Assets per employee ($millions) | 3.1673% | 4,727 |
| Cash dividends to net income (ytd only)* | 27.1305% | 3,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1387% | 368 |
| Loan loss allowance to noncurrent loans | 116.0960% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 933 |
| Noncurrent loans to loans | 1.8422% | 727 |
| Net loans and leases to total assets | 65.5770% | 3,008 |
| Net loans and leases to deposits | 73.6358% | 3,384 |
| Net loans and leases to core deposits | 114.3231% | 660 |
| Total domestic deposits to total assets | 67.1044% | 5,006 |
| Equity capital to assets | 8.7150% | 4,819 |
| Core capital (leverage) ratio | 8.7191% | 4,716 |
| Tier 1 risk-based capital ratio | 12.5200% | 4,057 |
| Total risk-based capital ratio | 13.7799% | 3,935 |
| Memoranda: | ||
| Average total assets | $1,927,516,000 | 438 |
| Average earning assets | $1,796,150,800 | 430 |
| Average equity | $156,027,200 | 603 |
| Average total loans | $1,269,351,400 | 476 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 996 |
| Cost of funding earning assets | 0.1122% | 5,167 |
| Net interest margin | 5.1106% | 226 |
| Noninterest income to average assets | 2.0410% | 255 |
| Noninterest expense to average assets | 5.2101% | 185 |
| Loan and lease loss provision to assets | 0.5455% | 221 |
| Net operating income to assets | 0.8381% | 3,551 |
| Return on assets (ROA) | 0.8572% | 3,570 |
| Pretax return on assets | 1.0821% | 3,344 |
| Return on Equity (ROE) | 10.7982% | 2,093 |
| Retained earnings to average equity (ytd only) | 8.0864% | 1,356 |
| Net charge-offs to loans | 0.4009% | 419 |
| Credit loss provision to net charge-offs | 207.5706% | 1,270 |
| Earnings coverage of net charge-offs (x) | 6.1016% | 2,861 |
| Efficiency ratio | 76.4651% | 1,275 |
| Assets per employee ($millions) | 3.1665% | 4,780 |
| Cash dividends to net income (ytd only)* | 25.1133% | 2,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1994% | 331 |
| Loan loss allowance to noncurrent loans | 102.0631% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 827 |
| Noncurrent loans to loans | 2.1550% | 603 |
| Net loans and leases to total assets | 63.7000% | 3,315 |
| Net loans and leases to deposits | 71.5045% | 3,639 |
| Net loans and leases to core deposits | 112.2181% | 836 |
| Total domestic deposits to total assets | 68.5375% | 5,050 |
| Equity capital to assets | 8.5730% | 4,967 |
| Core capital (leverage) ratio | 8.5661% | 4,911 |
| Tier 1 risk-based capital ratio | 12.8626% | 3,923 |
| Total risk-based capital ratio | 14.1236% | 3,814 |
| Memoranda: | ||
| Average total assets | $1,923,221,250 | 444 |
| Average earning assets | $1,796,041,250 | 431 |
| Average equity | $152,664,000 | 612 |
| Average total loans | $1,260,903,750 | 480 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2577% | 881 |
| Cost of funding earning assets | 0.1122% | 5,210 |
| Net interest margin | 5.1455% | 215 |
| Noninterest income to average assets | 2.0083% | 265 |
| Noninterest expense to average assets | 5.2425% | 182 |
| Loan and lease loss provision to assets | 0.6210% | 179 |
| Net operating income to assets | 0.7595% | 3,797 |
| Return on assets (ROA) | 0.7595% | 3,861 |
| Pretax return on assets | 0.9554% | 3,694 |
| Return on Equity (ROE) | 9.8343% | 2,467 |
| Retained earnings to average equity (ytd only) | 7.0382% | 1,786 |
| Net charge-offs to loans | 0.4189% | 400 |
| Credit loss provision to net charge-offs | 225.6352% | 1,109 |
| Earnings coverage of net charge-offs (x) | 5.7277% | 2,624 |
| Efficiency ratio | 76.8815% | 1,285 |
| Assets per employee ($millions) | 3.1220% | 4,826 |
| Cash dividends to net income (ytd only)* | 28.4320% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1366% | 366 |
| Loan loss allowance to noncurrent loans | 89.8888% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.5561% | 705 |
| Noncurrent loans to loans | 2.3770% | 529 |
| Net loans and leases to total assets | 63.9953% | 3,343 |
| Net loans and leases to deposits | 71.2138% | 3,749 |
| Net loans and leases to core deposits | 110.3831% | 956 |
| Total domestic deposits to total assets | 68.4323% | 5,094 |
| Equity capital to assets | 7.8626% | 5,201 |
| Core capital (leverage) ratio | 7.8381% | 5,197 |
| Tier 1 risk-based capital ratio | 11.7803% | 4,531 |
| Total risk-based capital ratio | 13.0406% | 4,422 |
| Memoranda: | ||
| Average total assets | $1,916,223,670 | 445 |
| Average earning assets | $1,791,522,000 | 432 |
| Average equity | $147,992,670 | 625 |
| Average total loans | $1,259,099,330 | 479 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 842 |
| Cost of funding earning assets | 0.1119% | 5,263 |
| Net interest margin | 5.1254% | 230 |
| Noninterest income to average assets | 2.0036% | 248 |
| Noninterest expense to average assets | 5.2232% | 182 |
| Loan and lease loss provision to assets | 0.8088% | 118 |
| Net operating income to assets | 0.6079% | 4,213 |
| Return on assets (ROA) | 0.6079% | 4,253 |
| Pretax return on assets | 0.7792% | 4,099 |
| Return on Equity (ROE) | 7.9439% | 3,287 |
| Retained earnings to average equity (ytd only) | 5.1066% | 2,857 |
| Net charge-offs to loans | 0.4862% | 312 |
| Credit loss provision to net charge-offs | 252.5902% | 916 |
| Earnings coverage of net charge-offs (x) | 4.9593% | 2,294 |
| Efficiency ratio | 76.6848% | 1,418 |
| Assets per employee ($millions) | 3.0893% | 4,927 |
| Cash dividends to net income (ytd only)* | 35.7168% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0495% | 457 |
| Loan loss allowance to noncurrent loans | 165.8428% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 1,630 |
| Noncurrent loans to loans | 1.2358% | 1,332 |
| Net loans and leases to total assets | 64.9207% | 3,176 |
| Net loans and leases to deposits | 72.2532% | 3,587 |
| Net loans and leases to core deposits | 112.8214% | 794 |
| Total domestic deposits to total assets | 67.9449% | 5,178 |
| Equity capital to assets | 7.6886% | 5,240 |
| Core capital (leverage) ratio | 7.8245% | 5,243 |
| Tier 1 risk-based capital ratio | 11.6248% | 4,677 |
| Total risk-based capital ratio | 12.8844% | 4,546 |
| Memoranda: | ||
| Average total assets | $1,904,963,000 | 448 |
| Average earning assets | $1,786,881,500 | 439 |
| Average equity | $145,771,500 | 631 |
| Average total loans | $1,254,752,000 | 480 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9373% | 1,189 |
| Cost of funding earning assets | 0.1166% | 5,253 |
| Net interest margin | 4.8208% | 380 |
| Noninterest income to average assets | 1.9743% | 272 |
| Noninterest expense to average assets | 5.0178% | 206 |
| Loan and lease loss provision to assets | 0.6673% | 160 |
| Net operating income to assets | 0.6855% | 4,179 |
| Return on assets (ROA) | 0.6606% | 4,264 |
| Pretax return on assets | 0.8117% | 4,140 |
| Return on Equity (ROE) | 9.1498% | 2,919 |
| Retained earnings to average equity (ytd only) | 6.1791% | 2,104 |
| Net charge-offs to loans | 0.5145% | 342 |
| Credit loss provision to net charge-offs | 202.0264% | 1,423 |
| Earnings coverage of net charge-offs (x) | 4.5712% | 3,281 |
| Efficiency ratio | 76.8708% | 1,249 |
| Assets per employee ($millions) | 3.0458% | 4,966 |
| Cash dividends to net income (ytd only)* | 32.4668% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 548 |
| Loan loss allowance to noncurrent loans | 163.0925% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.8519% | 1,642 |
| Noncurrent loans to loans | 1.1795% | 1,363 |
| Net loans and leases to total assets | 64.1897% | 3,335 |
| Net loans and leases to deposits | 70.0605% | 3,822 |
| Net loans and leases to core deposits | 110.2962% | 981 |
| Total domestic deposits to total assets | 68.0143% | 5,208 |
| Equity capital to assets | 7.6152% | 5,264 |
| Core capital (leverage) ratio | 7.7683% | 5,285 |
| Tier 1 risk-based capital ratio | 12.0703% | 4,382 |
| Total risk-based capital ratio | 13.3288% | 4,267 |
| Memoranda: | ||
| Average total assets | $1,927,455,000 | 426 |
| Average earning assets | $1,820,496,600 | 413 |
| Average equity | $139,161,600 | 624 |
| Average total loans | $1,237,323,400 | 472 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8851% | 1,199 |
| Cost of funding earning assets | 0.1170% | 5,313 |
| Net interest margin | 4.7681% | 398 |
| Noninterest income to average assets | 1.9696% | 281 |
| Noninterest expense to average assets | 4.9630% | 209 |
| Loan and lease loss provision to assets | 0.5487% | 196 |
| Net operating income to assets | 0.7751% | 3,993 |
| Return on assets (ROA) | 0.7420% | 4,107 |
| Pretax return on assets | 0.9207% | 3,947 |
| Return on Equity (ROE) | 10.4161% | 2,428 |
| Retained earnings to average equity (ytd only) | 7.4210% | 1,916 |
| Net charge-offs to loans | 0.5262% | 286 |
| Credit loss provision to net charge-offs | 163.1934% | 1,617 |
| Earnings coverage of net charge-offs (x) | 4.4919% | 3,058 |
| Efficiency ratio | 76.6695% | 1,270 |
| Assets per employee ($millions) | 3.1257% | 4,944 |
| Cash dividends to net income (ytd only)* | 28.7543% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6717% | 924 |
| Loan loss allowance to noncurrent loans | 146.5918% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 1,797 |
| Noncurrent loans to loans | 1.1404% | 1,487 |
| Net loans and leases to total assets | 62.0162% | 3,655 |
| Net loans and leases to deposits | 67.5129% | 4,092 |
| Net loans and leases to core deposits | 106.8693% | 1,239 |
| Total domestic deposits to total assets | 68.8708% | 5,262 |
| Equity capital to assets | 7.3348% | 5,339 |
| Core capital (leverage) ratio | 7.7446% | 5,361 |
| Tier 1 risk-based capital ratio | 12.1419% | 4,417 |
| Total risk-based capital ratio | 13.3972% | 4,310 |
| Memoranda: | ||
| Average total assets | $1,937,225,750 | 421 |
| Average earning assets | $1,829,750,750 | 413 |
| Average equity | $138,001,250 | 620 |
| Average total loans | $1,237,675,500 | 466 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 1,136 |
| Cost of funding earning assets | 0.1186% | 5,352 |
| Net interest margin | 4.7288% | 408 |
| Noninterest income to average assets | 1.9443% | 286 |
| Noninterest expense to average assets | 4.9109% | 224 |
| Loan and lease loss provision to assets | 0.4990% | 227 |
| Net operating income to assets | 0.8090% | 3,827 |
| Return on assets (ROA) | 0.7750% | 3,940 |
| Pretax return on assets | 0.9708% | 3,748 |
| Return on Equity (ROE) | 10.9875% | 2,121 |
| Retained earnings to average equity (ytd only) | 7.9679% | 1,649 |
| Net charge-offs to loans | 0.5323% | 280 |
| Credit loss provision to net charge-offs | 146.1190% | 1,604 |
| Earnings coverage of net charge-offs (x) | 4.4283% | 2,790 |
| Efficiency ratio | 76.4560% | 1,372 |
| Assets per employee ($millions) | 3.1088% | 5,008 |
| Cash dividends to net income (ytd only)* | 27.4820% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,400 |
| Loan loss allowance to noncurrent loans | 124.9319% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9054% | 1,659 |
| Noncurrent loans to loans | 1.2001% | 1,450 |
| Net loans and leases to total assets | 64.8342% | 3,301 |
| Net loans and leases to deposits | 70.6608% | 3,805 |
| Net loans and leases to core deposits | 113.3549% | 820 |
| Total domestic deposits to total assets | 68.8066% | 5,316 |
| Equity capital to assets | 7.3329% | 5,415 |
| Core capital (leverage) ratio | 7.4264% | 5,449 |
| Tier 1 risk-based capital ratio | 11.6072% | 4,740 |
| Total risk-based capital ratio | 12.8605% | 4,614 |
| Memoranda: | ||
| Average total assets | $1,939,082,000 | 423 |
| Average earning assets | $1,836,571,670 | 413 |
| Average equity | $136,773,670 | 624 |
| Average total loans | $1,244,131,670 | 460 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,298 |
| Cost of funding earning assets | 0.1169% | 5,403 |
| Net interest margin | 4.5876% | 516 |
| Noninterest income to average assets | 1.8744% | 293 |
| Noninterest expense to average assets | 4.7421% | 253 |
| Loan and lease loss provision to assets | 0.5608% | 185 |
| Net operating income to assets | 0.6712% | 4,209 |
| Return on assets (ROA) | 0.6632% | 4,238 |
| Pretax return on assets | 0.9133% | 3,805 |
| Return on Equity (ROE) | 9.6603% | 2,604 |
| Retained earnings to average equity (ytd only) | 6.5803% | 2,459 |
| Net charge-offs to loans | 0.6331% | 237 |
| Credit loss provision to net charge-offs | 139.7246% | 1,275 |
| Earnings coverage of net charge-offs (x) | 3.6981% | 2,361 |
| Efficiency ratio | 76.1612% | 1,571 |
| Assets per employee ($millions) | 3.0360% | 5,127 |
| Cash dividends to net income (ytd only)* | 31.8827% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 1,684 |
| Loan loss allowance to noncurrent loans | 127.6745% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8410% | 1,882 |
| Noncurrent loans to loans | 1.1306% | 1,620 |
| Net loans and leases to total assets | 63.3534% | 3,389 |
| Net loans and leases to deposits | 68.5523% | 3,909 |
| Net loans and leases to core deposits | 112.7750% | 851 |
| Total domestic deposits to total assets | 68.1509% | 5,414 |
| Equity capital to assets | 6.9306% | 5,518 |
| Core capital (leverage) ratio | 7.0815% | 5,543 |
| Tier 1 risk-based capital ratio | 11.2812% | 4,990 |
| Total risk-based capital ratio | 12.5338% | 4,876 |
| Memoranda: | ||
| Average total assets | $1,954,304,000 | 426 |
| Average earning assets | $1,853,945,000 | 417 |
| Average equity | $134,157,500 | 636 |
| Average total loans | $1,239,023,500 | 466 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 2,052 |
| Cost of funding earning assets | 0.1185% | 5,421 |
| Net interest margin | 4.2731% | 1,026 |
| Noninterest income to average assets | 1.7293% | 368 |
| Noninterest expense to average assets | 4.6166% | 289 |
| Loan and lease loss provision to assets | 0.2852% | 620 |
| Net operating income to assets | 0.4516% | 4,530 |
| Return on assets (ROA) | 0.4517% | 4,561 |
| Pretax return on assets | 0.8828% | 3,966 |
| Return on Equity (ROE) | 6.7208% | 3,424 |
| Retained earnings to average equity (ytd only) | 3.6778% | 3,034 |
| Net charge-offs to loans | 0.4783% | 496 |
| Credit loss provision to net charge-offs | 98.1322% | 2,640 |
| Earnings coverage of net charge-offs (x) | 4.0180% | 3,528 |
| Efficiency ratio | 79.8107% | 1,124 |
| Assets per employee ($millions) | 3.2068% | 5,024 |
| Cash dividends to net income (ytd only)* | 45.2772% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2492% | 2,478 |
| Loan loss allowance to noncurrent loans | 111.6623% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 1,904 |
| Noncurrent loans to loans | 1.1187% | 1,579 |
| Net loans and leases to total assets | 61.7446% | 3,653 |
| Net loans and leases to deposits | 66.6627% | 4,134 |
| Net loans and leases to core deposits | 112.7431% | 855 |
| Total domestic deposits to total assets | 67.6495% | 5,483 |
| Equity capital to assets | 6.7994% | 5,596 |
| Core capital (leverage) ratio | 6.9588% | 5,606 |
| Tier 1 risk-based capital ratio | 11.2279% | 5,025 |
| Total risk-based capital ratio | 12.4781% | 4,902 |
| Memoranda: | ||
| Average total assets | $1,952,478,000 | 416 |
| Average earning assets | $1,852,898,000 | 404 |
| Average equity | $131,220,000 | 629 |
| Average total loans | $1,186,540,800 | 460 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,144 |
| Cost of funding earning assets | 0.1183% | 5,489 |
| Net interest margin | 4.2212% | 1,101 |
| Noninterest income to average assets | 1.7135% | 391 |
| Noninterest expense to average assets | 4.6161% | 289 |
| Loan and lease loss provision to assets | 0.2431% | 719 |
| Net operating income to assets | 0.6036% | 4,379 |
| Return on assets (ROA) | 0.6030% | 4,423 |
| Pretax return on assets | 0.8597% | 4,182 |
| Return on Equity (ROE) | 8.9989% | 2,600 |
| Retained earnings to average equity (ytd only) | 5.9438% | 2,283 |
| Net charge-offs to loans | 0.4278% | 491 |
| Credit loss provision to net charge-offs | 94.1722% | 2,400 |
| Earnings coverage of net charge-offs (x) | 4.2758% | 3,248 |
| Efficiency ratio | 80.7046% | 1,021 |
| Assets per employee ($millions) | 3.2634% | 4,999 |
| Cash dividends to net income (ytd only)* | 33.9494% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,468 |
| Loan loss allowance to noncurrent loans | 105.5278% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 2,067 |
| Noncurrent loans to loans | 1.2119% | 1,567 |
| Net loans and leases to total assets | 58.3322% | 4,025 |
| Net loans and leases to deposits | 62.9002% | 4,449 |
| Net loans and leases to core deposits | 106.0462% | 1,267 |
| Total domestic deposits to total assets | 69.8119% | 5,485 |
| Equity capital to assets | 6.6608% | 5,681 |
| Core capital (leverage) ratio | 6.8780% | 5,675 |
| Tier 1 risk-based capital ratio | 11.6146% | 4,874 |
| Total risk-based capital ratio | 12.8652% | 4,765 |
| Memoranda: | ||
| Average total assets | $1,949,957,500 | 419 |
| Average earning assets | $1,850,689,250 | 407 |
| Average equity | $130,664,250 | 633 |
| Average total loans | $1,176,400,250 | 467 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,196 |
| Cost of funding earning assets | 0.1182% | 5,522 |
| Net interest margin | 4.1611% | 1,167 |
| Noninterest income to average assets | 1.7066% | 396 |
| Noninterest expense to average assets | 4.5946% | 288 |
| Loan and lease loss provision to assets | 0.2458% | 683 |
| Net operating income to assets | 0.5926% | 4,344 |
| Return on assets (ROA) | 0.5916% | 4,395 |
| Pretax return on assets | 0.8152% | 4,216 |
| Return on Equity (ROE) | 8.8099% | 2,598 |
| Retained earnings to average equity (ytd only) | 5.7291% | 2,275 |
| Net charge-offs to loans | 0.4150% | 489 |
| Credit loss provision to net charge-offs | 97.4507% | 2,065 |
| Earnings coverage of net charge-offs (x) | 4.2126% | 2,964 |
| Efficiency ratio | 81.2208% | 1,084 |
| Assets per employee ($millions) | 3.1636% | 5,133 |
| Cash dividends to net income (ytd only)* | 34.9693% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 2,295 |
| Loan loss allowance to noncurrent loans | 109.1845% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 2,095 |
| Noncurrent loans to loans | 1.2137% | 1,606 |
| Net loans and leases to total assets | 58.2564% | 4,001 |
| Net loans and leases to deposits | 62.8546% | 4,440 |
| Net loans and leases to core deposits | 105.7618% | 1,252 |
| Total domestic deposits to total assets | 70.2743% | 5,528 |
| Equity capital to assets | 6.7136% | 5,725 |
| Core capital (leverage) ratio | 6.8785% | 5,721 |
| Tier 1 risk-based capital ratio | 11.7685% | 4,787 |
| Total risk-based capital ratio | 13.0198% | 4,678 |
| Memoranda: | ||
| Average total assets | $1,928,771,000 | 421 |
| Average earning assets | $1,831,084,670 | 410 |
| Average equity | $129,513,670 | 640 |
| Average total loans | $1,171,952,670 | 468 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 2,336 |
| Cost of funding earning assets | 0.1166% | 5,581 |
| Net interest margin | 4.0635% | 1,313 |
| Noninterest income to average assets | 1.7127% | 392 |
| Noninterest expense to average assets | 4.6256% | 299 |
| Loan and lease loss provision to assets | 0.2481% | 607 |
| Net operating income to assets | 0.4995% | 4,599 |
| Return on assets (ROA) | 0.4976% | 4,630 |
| Pretax return on assets | 0.7013% | 4,447 |
| Return on Equity (ROE) | 7.4095% | 3,205 |
| Retained earnings to average equity (ytd only) | 4.2985% | 3,280 |
| Net charge-offs to loans | 0.4357% | 420 |
| Credit loss provision to net charge-offs | 92.3617% | 1,680 |
| Earnings coverage of net charge-offs (x) | 3.5448% | 2,473 |
| Efficiency ratio | 82.9311% | 1,069 |
| Assets per employee ($millions) | 3.4355% | 4,875 |
| Cash dividends to net income (ytd only)* | 41.9857% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,553 |
| Loan loss allowance to noncurrent loans | 101.8531% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 1,986 |
| Noncurrent loans to loans | 1.2732% | 1,582 |
| Net loans and leases to total assets | 61.3249% | 3,621 |
| Net loans and leases to deposits | 66.2110% | 4,157 |
| Net loans and leases to core deposits | 109.6977% | 889 |
| Total domestic deposits to total assets | 69.7954% | 5,638 |
| Equity capital to assets | 6.7869% | 5,775 |
| Core capital (leverage) ratio | 6.9697% | 5,766 |
| Tier 1 risk-based capital ratio | 11.4022% | 5,089 |
| Total risk-based capital ratio | 12.6532% | 4,985 |
| Memoranda: | ||
| Average total assets | $1,910,855,000 | 432 |
| Average earning assets | $1,817,452,500 | 415 |
| Average equity | $128,322,500 | 643 |
| Average total loans | $1,177,990,500 | 470 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5650% | 1,373 |
| Cost of funding earning assets | 0.1200% | 5,614 |
| Net interest margin | 4.4449% | 697 |
| Noninterest income to average assets | 1.9582% | 351 |
| Noninterest expense to average assets | 4.8259% | 289 |
| Loan and lease loss provision to assets | 0.2245% | 971 |
| Net operating income to assets | 0.7984% | 3,310 |
| Return on assets (ROA) | 0.8148% | 3,347 |
| Pretax return on assets | 1.1468% | 2,912 |
| Return on Equity (ROE) | 11.8555% | 1,288 |
| Retained earnings to average equity (ytd only) | 8.5736% | 673 |
| Net charge-offs to loans | 0.2322% | 1,195 |
| Credit loss provision to net charge-offs | 148.7414% | 1,843 |
| Earnings coverage of net charge-offs (x) | 8.9344% | 2,815 |
| Efficiency ratio | 78.1635% | 1,674 |
| Assets per employee ($millions) | 3.5726% | 4,651 |
| Cash dividends to net income (ytd only)* | 27.6824% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,460 |
| Loan loss allowance to noncurrent loans | 96.8987% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.9694% | 1,954 |
| Noncurrent loans to loans | 1.3574% | 1,510 |
| Net loans and leases to total assets | 60.3632% | 3,807 |
| Net loans and leases to deposits | 65.0418% | 4,330 |
| Net loans and leases to core deposits | 104.8451% | 1,219 |
| Total domestic deposits to total assets | 70.4147% | 5,648 |
| Equity capital to assets | 6.6445% | 5,825 |
| Core capital (leverage) ratio | 7.0580% | 5,804 |
| Tier 1 risk-based capital ratio | 11.3634% | 5,136 |
| Total risk-based capital ratio | 12.6146% | 5,037 |
| Memoranda: | ||
| Average total assets | $1,737,565,000 | 456 |
| Average earning assets | $1,648,028,600 | 433 |
| Average equity | $119,412,800 | 666 |
| Average total loans | $1,129,397,200 | 460 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 1,190 |
| Cost of funding earning assets | 0.1204% | 5,674 |
| Net interest margin | 4.5287% | 589 |
| Noninterest income to average assets | 2.0404% | 343 |
| Noninterest expense to average assets | 5.0049% | 266 |
| Loan and lease loss provision to assets | 0.2139% | 979 |
| Net operating income to assets | 0.7971% | 3,377 |
| Return on assets (ROA) | 0.8198% | 3,416 |
| Pretax return on assets | 1.1447% | 3,067 |
| Return on Equity (ROE) | 11.8182% | 1,385 |
| Retained earnings to average equity (ytd only) | 8.4576% | 992 |
| Net charge-offs to loans | 0.1804% | 1,295 |
| Credit loss provision to net charge-offs | 179.4448% | 1,564 |
| Earnings coverage of net charge-offs (x) | 11.1322% | 2,524 |
| Efficiency ratio | 79.0429% | 1,550 |
| Assets per employee ($millions) | 3.0701% | 5,317 |
| Cash dividends to net income (ytd only)* | 28.4355% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 2,435 |
| Loan loss allowance to noncurrent loans | 90.9947% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 1.0563% | 1,956 |
| Noncurrent loans to loans | 1.4845% | 1,454 |
| Net loans and leases to total assets | 61.1984% | 3,715 |
| Net loans and leases to deposits | 66.0348% | 4,343 |
| Net loans and leases to core deposits | 105.2329% | 1,259 |
| Total domestic deposits to total assets | 72.3008% | 5,581 |
| Equity capital to assets | 6.6475% | 5,912 |
| Core capital (leverage) ratio | 6.9730% | 5,886 |
| Tier 1 risk-based capital ratio | 11.0071% | 5,364 |
| Total risk-based capital ratio | 12.2587% | 5,276 |
| Memoranda: | ||
| Average total assets | $1,692,341,000 | 461 |
| Average earning assets | $1,603,693,250 | 442 |
| Average equity | $117,397,750 | 680 |
| Average total loans | $1,118,376,500 | 462 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 918 |
| Cost of funding earning assets | 0.1205% | 5,753 |
| Net interest margin | 4.6608% | 449 |
| Noninterest income to average assets | 2.1327% | 319 |
| Noninterest expense to average assets | 5.1664% | 246 |
| Loan and lease loss provision to assets | 0.2832% | 650 |
| Net operating income to assets | 0.7943% | 3,332 |
| Return on assets (ROA) | 0.8057% | 3,418 |
| Pretax return on assets | 1.1139% | 3,144 |
| Return on Equity (ROE) | 11.4374% | 1,499 |
| Retained earnings to average equity (ytd only) | 8.2472% | 1,092 |
| Net charge-offs to loans | 0.0969% | 1,876 |
| Credit loss provision to net charge-offs | 432.2820% | 735 |
| Earnings coverage of net charge-offs (x) | 21.0853% | 1,697 |
| Efficiency ratio | 78.9037% | 1,655 |
| Assets per employee ($millions) | 2.9688% | 5,465 |
| Cash dividends to net income (ytd only)* | 27.8926% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3769% | 2,400 |
| Loan loss allowance to noncurrent loans | 92.6675% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 1,908 |
| Noncurrent loans to loans | 1.4858% | 1,479 |
| Net loans and leases to total assets | 66.3448% | 3,034 |
| Net loans and leases to deposits | 71.7613% | 3,809 |
| Net loans and leases to core deposits | 111.7999% | 828 |
| Total domestic deposits to total assets | 70.8495% | 5,735 |
| Equity capital to assets | 6.9447% | 5,965 |
| Core capital (leverage) ratio | 7.1079% | 5,935 |
| Tier 1 risk-based capital ratio | 10.7095% | 5,574 |
| Total risk-based capital ratio | 11.9617% | 5,498 |
| Memoranda: | ||
| Average total assets | $1,645,514,330 | 471 |
| Average earning assets | $1,558,741,330 | 450 |
| Average equity | $115,918,330 | 688 |
| Average total loans | $1,112,163,000 | 465 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 1,043 |
| Cost of funding earning assets | 0.1210% | 5,807 |
| Net interest margin | 4.5825% | 518 |
| Noninterest income to average assets | 2.1526% | 306 |
| Noninterest expense to average assets | 5.1748% | 249 |
| Loan and lease loss provision to assets | 0.2849% | 578 |
| Net operating income to assets | 0.7514% | 3,476 |
| Return on assets (ROA) | 0.7531% | 3,578 |
| Pretax return on assets | 1.0288% | 3,370 |
| Return on Equity (ROE) | 10.6094% | 1,739 |
| Retained earnings to average equity (ytd only) | 7.3698% | 1,716 |
| Net charge-offs to loans | 0.4330% | 523 |
| Credit loss provision to net charge-offs | 97.1162% | 1,703 |
| Earnings coverage of net charge-offs (x) | 4.4699% | 2,431 |
| Efficiency ratio | 79.7805% | 1,636 |
| Assets per employee ($millions) | 2.9407% | 5,561 |
| Cash dividends to net income (ytd only)* | 30.5354% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 3,042 |
| Loan loss allowance to noncurrent loans | 73.0286% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.3393% | 1,590 |
| Noncurrent loans to loans | 1.7427% | 1,278 |
| Net loans and leases to total assets | 65.5928% | 3,012 |
| Net loans and leases to deposits | 70.9468% | 3,760 |
| Net loans and leases to core deposits | 110.0830% | 850 |
| Total domestic deposits to total assets | 71.4208% | 5,805 |
| Equity capital to assets | 6.9561% | 6,012 |
| Core capital (leverage) ratio | 7.3642% | 5,951 |
| Tier 1 risk-based capital ratio | 10.9674% | 5,522 |
| Total risk-based capital ratio | 12.2183% | 5,432 |
| Memoranda: | ||
| Average total assets | $1,607,323,000 | 479 |
| Average earning assets | $1,520,052,500 | 461 |
| Average equity | $114,087,500 | 700 |
| Average total loans | $1,089,075,500 | 470 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8698% | 826 |
| Cost of funding earning assets | 0.1327% | 5,798 |
| Net interest margin | 4.7371% | 424 |
| Noninterest income to average assets | 1.3633% | 648 |
| Noninterest expense to average assets | 4.4980% | 414 |
| Loan and lease loss provision to assets | 0.2968% | 584 |
| Net operating income to assets | 0.7635% | 3,508 |
| Return on assets (ROA) | 0.7672% | 3,567 |
| Pretax return on assets | 1.0317% | 3,341 |
| Return on Equity (ROE) | 10.8787% | 1,654 |
| Retained earnings to average equity (ytd only) | 7.4925% | 1,102 |
| Net charge-offs to loans | 0.2780% | 1,094 |
| Credit loss provision to net charge-offs | 157.2877% | 1,699 |
| Earnings coverage of net charge-offs (x) | 7.0140% | 3,132 |
| Efficiency ratio | 77.2653% | 2,080 |
| Assets per employee ($millions) | 2.8770% | 5,635 |
| Cash dividends to net income (ytd only)* | 31.1270% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3252% | 2,773 |
| Loan loss allowance to noncurrent loans | 74.0805% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.4522% | 1,417 |
| Noncurrent loans to loans | 1.7889% | 1,232 |
| Net loans and leases to total assets | 68.2384% | 2,670 |
| Net loans and leases to deposits | 74.2014% | 3,467 |
| Net loans and leases to core deposits | 114.3567% | 667 |
| Total domestic deposits to total assets | 71.6004% | 5,819 |
| Equity capital to assets | 7.2521% | 6,016 |
| Core capital (leverage) ratio | 7.4043% | 5,992 |
| Tier 1 risk-based capital ratio | 11.2000% | 5,424 |
| Total risk-based capital ratio | 12.4516% | 5,319 |
| Memoranda: | ||
| Average total assets | $1,516,195,000 | 468 |
| Average earning assets | $1,426,963,000 | 456 |
| Average equity | $106,933,600 | 723 |
| Average total loans | $1,029,248,800 | 470 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8669% | 825 |
| Cost of funding earning assets | 0.1347% | 5,890 |
| Net interest margin | 4.7321% | 433 |
| Noninterest income to average assets | 1.6709% | 465 |
| Noninterest expense to average assets | 4.8339% | 323 |
| Loan and lease loss provision to assets | 0.2982% | 495 |
| Net operating income to assets | 0.7416% | 3,723 |
| Return on assets (ROA) | 0.7456% | 3,798 |
| Pretax return on assets | 0.9971% | 3,627 |
| Return on Equity (ROE) | 10.6493% | 1,845 |
| Retained earnings to average equity (ytd only) | 7.2459% | 1,578 |
| Net charge-offs to loans | 0.2801% | 954 |
| Credit loss provision to net charge-offs | 157.5630% | 1,615 |
| Earnings coverage of net charge-offs (x) | 6.8156% | 2,996 |
| Efficiency ratio | 78.9361% | 1,817 |
| Assets per employee ($millions) | 2.9437% | 5,607 |
| Cash dividends to net income (ytd only)* | 31.9588% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 3,082 |
| Loan loss allowance to noncurrent loans | 74.8055% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.4040% | 1,638 |
| Noncurrent loans to loans | 1.7399% | 1,377 |
| Net loans and leases to total assets | 66.2225% | 2,973 |
| Net loans and leases to deposits | 72.0460% | 3,762 |
| Net loans and leases to core deposits | 112.2957% | 746 |
| Total domestic deposits to total assets | 72.4077% | 5,836 |
| Equity capital to assets | 7.0496% | 6,147 |
| Core capital (leverage) ratio | 7.3220% | 6,087 |
| Tier 1 risk-based capital ratio | 11.0252% | 5,647 |
| Total risk-based capital ratio | 12.2763% | 5,548 |
| Memoranda: | ||
| Average total assets | $1,509,005,500 | 474 |
| Average earning assets | $1,419,962,750 | 460 |
| Average equity | $105,656,750 | 739 |
| Average total loans | $1,019,458,500 | 472 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8583% | 797 |
| Cost of funding earning assets | 0.1385% | 5,932 |
| Net interest margin | 4.7198% | 428 |
| Noninterest income to average assets | 1.5240% | 549 |
| Noninterest expense to average assets | 4.7381% | 359 |
| Loan and lease loss provision to assets | 0.3026% | 509 |
| Net operating income to assets | 0.7148% | 3,820 |
| Return on assets (ROA) | 0.7119% | 3,958 |
| Pretax return on assets | 0.9401% | 3,808 |
| Return on Equity (ROE) | 10.1918% | 1,984 |
| Retained earnings to average equity (ytd only) | 6.7509% | 1,818 |
| Net charge-offs to loans | 0.2806% | 939 |
| Credit loss provision to net charge-offs | 159.2357% | 1,470 |
| Earnings coverage of net charge-offs (x) | 6.5598% | 2,769 |
| Efficiency ratio | 79.1699% | 1,887 |
| Assets per employee ($millions) | 2.8763% | 5,733 |
| Cash dividends to net income (ytd only)* | 33.7616% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 3,291 |
| Loan loss allowance to noncurrent loans | 71.2107% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.4791% | 1,671 |
| Noncurrent loans to loans | 1.8132% | 1,407 |
| Net loans and leases to total assets | 67.2393% | 2,762 |
| Net loans and leases to deposits | 72.8895% | 3,631 |
| Net loans and leases to core deposits | 116.2883% | 584 |
| Total domestic deposits to total assets | 71.9316% | 5,939 |
| Equity capital to assets | 6.9323% | 6,203 |
| Core capital (leverage) ratio | 7.0730% | 6,176 |
| Tier 1 risk-based capital ratio | 10.8705% | 5,773 |
| Total risk-based capital ratio | 12.1217% | 5,696 |
| Memoranda: | ||
| Average total assets | $1,487,044,330 | 484 |
| Average earning assets | $1,405,443,670 | 467 |
| Average equity | $103,867,670 | 750 |
| Average total loans | $1,007,050,000 | 474 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 839 |
| Cost of funding earning assets | 0.1483% | 5,943 |
| Net interest margin | 4.6647% | 442 |
| Noninterest income to average assets | 1.1422% | 871 |
| Noninterest expense to average assets | 4.2973% | 500 |
| Loan and lease loss provision to assets | 0.3059% | 467 |
| Net operating income to assets | 0.7204% | 3,693 |
| Return on assets (ROA) | 0.7134% | 3,860 |
| Pretax return on assets | 0.9437% | 3,721 |
| Return on Equity (ROE) | 10.1743% | 1,920 |
| Retained earnings to average equity (ytd only) | 6.7118% | 2,144 |
| Net charge-offs to loans | 0.2746% | 871 |
| Credit loss provision to net charge-offs | 164.9560% | 1,185 |
| Earnings coverage of net charge-offs (x) | 6.7889% | 2,246 |
| Efficiency ratio | 77.3439% | 2,289 |
| Assets per employee ($millions) | 2.8235% | 5,859 |
| Cash dividends to net income (ytd only)* | 34.0320% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 3,471 |
| Loan loss allowance to noncurrent loans | 67.6672% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 1.5698% | 1,644 |
| Noncurrent loans to loans | 1.9029% | 1,419 |
| Net loans and leases to total assets | 67.2973% | 2,559 |
| Net loans and leases to deposits | 72.9819% | 3,435 |
| Net loans and leases to core deposits | 113.8623% | 585 |
| Total domestic deposits to total assets | 72.7402% | 5,998 |
| Equity capital to assets | 7.0676% | 6,252 |
| Core capital (leverage) ratio | 7.2133% | 6,214 |
| Tier 1 risk-based capital ratio | 10.9130% | 5,842 |
| Total risk-based capital ratio | 12.1640% | 5,773 |
| Memoranda: | ||
| Average total assets | $1,471,235,000 | 486 |
| Average earning assets | $1,392,148,000 | 468 |
| Average equity | $103,162,000 | 752 |
| Average total loans | $993,327,000 | 480 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8692% | 975 |
| Cost of funding earning assets | 0.2771% | 5,027 |
| Net interest margin | 4.5922% | 625 |
| Noninterest income to average assets | 1.4023% | 616 |
| Noninterest expense to average assets | 4.5143% | 454 |
| Loan and lease loss provision to assets | 0.3161% | 636 |
| Net operating income to assets | 0.6619% | 4,079 |
| Return on assets (ROA) | 0.6858% | 4,082 |
| Pretax return on assets | 0.9434% | 3,720 |
| Return on Equity (ROE) | 10.1166% | 2,063 |
| Retained earnings to average equity (ytd only) | 6.0344% | 1,904 |
| Net charge-offs to loans | 0.4067% | 1,055 |
| Credit loss provision to net charge-offs | 121.1636% | 1,977 |
| Earnings coverage of net charge-offs (x) | 4.7022% | 3,583 |
| Efficiency ratio | 78.6333% | 2,116 |
| Assets per employee ($millions) | 2.8005% | 5,928 |
| Cash dividends to net income (ytd only)* | 40.3512% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 3,556 |
| Loan loss allowance to noncurrent loans | 64.7497% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.6213% | 1,665 |
| Noncurrent loans to loans | 1.9732% | 1,416 |
| Net loans and leases to total assets | 65.9243% | 2,900 |
| Net loans and leases to deposits | 71.3486% | 3,755 |
| Net loans and leases to core deposits | 109.9253% | 778 |
| Total domestic deposits to total assets | 72.9475% | 6,021 |
| Equity capital to assets | 6.9520% | 6,335 |
| Core capital (leverage) ratio | 7.0219% | 6,307 |
| Tier 1 risk-based capital ratio | 10.5848% | 6,067 |
| Total risk-based capital ratio | 11.8353% | 6,011 |
| Memoranda: | ||
| Average total assets | $1,436,359,400 | 491 |
| Average earning assets | $1,357,047,800 | 469 |
| Average equity | $97,375,000 | 753 |
| Average total loans | $921,311,600 | 484 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8670% | 1,000 |
| Cost of funding earning assets | 0.3041% | 4,851 |
| Net interest margin | 4.5629% | 665 |
| Noninterest income to average assets | 1.4341% | 613 |
| Noninterest expense to average assets | 4.6147% | 414 |
| Loan and lease loss provision to assets | 0.3047% | 638 |
| Net operating income to assets | 0.6037% | 4,426 |
| Return on assets (ROA) | 0.6198% | 4,446 |
| Pretax return on assets | 0.8468% | 4,191 |
| Return on Equity (ROE) | 9.2028% | 2,586 |
| Retained earnings to average equity (ytd only) | 4.9319% | 3,126 |
| Net charge-offs to loans | 0.4935% | 790 |
| Credit loss provision to net charge-offs | 97.2884% | 2,297 |
| Earnings coverage of net charge-offs (x) | 3.6058% | 3,628 |
| Efficiency ratio | 80.3383% | 1,866 |
| Assets per employee ($millions) | 2.9786% | 5,750 |
| Cash dividends to net income (ytd only)* | 46.4086% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 4,056 |
| Loan loss allowance to noncurrent loans | 60.8291% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.5448% | 1,990 |
| Noncurrent loans to loans | 2.0263% | 1,559 |
| Net loans and leases to total assets | 60.3158% | 3,733 |
| Net loans and leases to deposits | 64.8522% | 4,449 |
| Net loans and leases to core deposits | 96.9488% | 1,599 |
| Total domestic deposits to total assets | 75.2930% | 5,895 |
| Equity capital to assets | 6.3543% | 6,457 |
| Core capital (leverage) ratio | 6.8055% | 6,402 |
| Tier 1 risk-based capital ratio | 10.2950% | 6,263 |
| Total risk-based capital ratio | 11.5050% | 6,246 |
| Memoranda: | ||
| Average total assets | $1,428,589,250 | 487 |
| Average earning assets | $1,349,401,000 | 467 |
| Average equity | $96,214,750 | 760 |
| Average total loans | $906,659,500 | 489 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 800 |
| Cost of funding earning assets | 0.3637% | 4,274 |
| Net interest margin | 4.5978% | 586 |
| Noninterest income to average assets | 1.5155% | 534 |
| Noninterest expense to average assets | 4.7279% | 378 |
| Loan and lease loss provision to assets | 0.2591% | 821 |
| Net operating income to assets | 0.6202% | 4,249 |
| Return on assets (ROA) | 0.6202% | 4,346 |
| Pretax return on assets | 0.8668% | 4,008 |
| Return on Equity (ROE) | 9.0200% | 2,584 |
| Retained earnings to average equity (ytd only) | 4.4127% | 3,366 |
| Net charge-offs to loans | 0.2856% | 1,393 |
| Credit loss provision to net charge-offs | 140.9554% | 1,519 |
| Earnings coverage of net charge-offs (x) | 6.1253% | 2,818 |
| Efficiency ratio | 80.7667% | 1,912 |
| Assets per employee ($millions) | 2.8842% | 5,904 |
| Cash dividends to net income (ytd only)* | 51.0791% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 3,647 |
| Loan loss allowance to noncurrent loans | 69.4939% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.4936% | 2,181 |
| Noncurrent loans to loans | 1.9271% | 1,766 |
| Net loans and leases to total assets | 60.9883% | 3,568 |
| Net loans and leases to deposits | 65.7801% | 4,289 |
| Net loans and leases to core deposits | 103.8830% | 1,027 |
| Total domestic deposits to total assets | 75.3623% | 5,985 |
| Equity capital to assets | 6.6072% | 6,484 |
| Core capital (leverage) ratio | 6.7886% | 6,460 |
| Tier 1 risk-based capital ratio | 10.5573% | 6,228 |
| Total risk-based capital ratio | 11.8086% | 6,172 |
| Memoranda: | ||
| Average total assets | $1,389,493,000 | 499 |
| Average earning assets | $1,311,058,330 | 478 |
| Average equity | $95,543,330 | 763 |
| Average total loans | $894,197,670 | 492 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 606 |
| Cost of funding earning assets | 0.3712% | 4,303 |
| Net interest margin | 4.7190% | 450 |
| Noninterest income to average assets | 1.6022% | 476 |
| Noninterest expense to average assets | 4.8734% | 340 |
| Loan and lease loss provision to assets | 0.2678% | 780 |
| Net operating income to assets | 0.6453% | 3,971 |
| Return on assets (ROA) | 0.6453% | 4,064 |
| Pretax return on assets | 0.9057% | 3,678 |
| Return on Equity (ROE) | 9.1873% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.5365% | 3,397 |
| Net charge-offs to loans | 0.2525% | 1,317 |
| Credit loss provision to net charge-offs | 161.2903% | 1,195 |
| Earnings coverage of net charge-offs (x) | 7.0681% | 2,158 |
| Efficiency ratio | 80.5944% | 2,116 |
| Assets per employee ($millions) | 2.7239% | 6,179 |
| Cash dividends to net income (ytd only)* | 50.6224% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 3,858 |
| Loan loss allowance to noncurrent loans | 77.6927% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.4295% | 2,481 |
| Noncurrent loans to loans | 1.7356% | 2,234 |
| Net loans and leases to total assets | 62.8186% | 3,100 |
| Net loans and leases to deposits | 67.7682% | 3,878 |
| Net loans and leases to core deposits | 102.7717% | 941 |
| Total domestic deposits to total assets | 74.7912% | 6,174 |
| Equity capital to assets | 6.7751% | 6,490 |
| Core capital (leverage) ratio | 7.1541% | 6,436 |
| Tier 1 risk-based capital ratio | 10.7413% | 6,263 |
| Total risk-based capital ratio | 11.9929% | 6,224 |
| Memoranda: | ||
| Average total assets | $1,344,430,500 | 515 |
| Average earning assets | $1,266,290,000 | 493 |
| Average equity | $94,434,500 | 774 |
| Average total loans | $883,975,000 | 493 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2275% | 603 |
| Cost of funding earning assets | 0.3977% | 4,681 |
| Net interest margin | 4.8298% | 406 |
| Noninterest income to average assets | 1.7758% | 474 |
| Noninterest expense to average assets | 5.0855% | 330 |
| Loan and lease loss provision to assets | 0.1625% | 2,247 |
| Net operating income to assets | 0.7450% | 3,578 |
| Return on assets (ROA) | 0.7795% | 3,500 |
| Pretax return on assets | 1.0959% | 2,965 |
| Return on Equity (ROE) | 10.7213% | 1,858 |
| Retained earnings to average equity (ytd only) | 5.7537% | 2,132 |
| Net charge-offs to loans | 0.2868% | 2,253 |
| Credit loss provision to net charge-offs | 88.5087% | 2,803 |
| Earnings coverage of net charge-offs (x) | 6.5910% | 3,028 |
| Efficiency ratio | 80.7834% | 2,046 |
| Assets per employee ($millions) | 2.5213% | 6,386 |
| Cash dividends to net income (ytd only)* | 46.3344% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3432% | 3,921 |
| Loan loss allowance to noncurrent loans | 82.5833% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.4656% | 2,544 |
| Noncurrent loans to loans | 1.6265% | 2,460 |
| Net loans and leases to total assets | 67.1082% | 2,503 |
| Net loans and leases to deposits | 72.7438% | 3,424 |
| Net loans and leases to core deposits | 111.0184% | 577 |
| Total domestic deposits to total assets | 72.4063% | 6,395 |
| Equity capital to assets | 7.2969% | 6,365 |
| Core capital (leverage) ratio | 7.3138% | 6,439 |
| Tier 1 risk-based capital ratio | 11.0213% | 6,164 |
| Total risk-based capital ratio | 12.2731% | 6,104 |
| Memoranda: | ||
| Average total assets | $1,289,617,400 | 513 |
| Average earning assets | $1,206,754,200 | 495 |
| Average equity | $93,766,200 | 750 |
| Average total loans | $825,428,000 | 503 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1894% | 662 |
| Cost of funding earning assets | 0.4032% | 4,796 |
| Net interest margin | 4.7862% | 441 |
| Noninterest income to average assets | 1.8150% | 476 |
| Noninterest expense to average assets | 5.1402% | 311 |
| Loan and lease loss provision to assets | 0.1234% | 2,752 |
| Net operating income to assets | 0.7271% | 3,718 |
| Return on assets (ROA) | 0.7642% | 3,663 |
| Pretax return on assets | 1.0805% | 3,191 |
| Return on Equity (ROE) | 10.5204% | 1,991 |
| Retained earnings to average equity (ytd only) | 5.4628% | 2,744 |
| Net charge-offs to loans | 0.2521% | 2,305 |
| Credit loss provision to net charge-offs | 77.6983% | 2,903 |
| Earnings coverage of net charge-offs (x) | 7.2516% | 2,821 |
| Efficiency ratio | 81.6957% | 1,865 |
| Assets per employee ($millions) | 2.8032% | 6,145 |
| Cash dividends to net income (ytd only)* | 48.0746% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 4,087 |
| Loan loss allowance to noncurrent loans | 82.9478% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.3132% | 3,024 |
| Noncurrent loans to loans | 1.6384% | 2,717 |
| Net loans and leases to total assets | 59.7581% | 3,735 |
| Net loans and leases to deposits | 64.3490% | 4,481 |
| Net loans and leases to core deposits | 109.4728% | 596 |
| Total domestic deposits to total assets | 76.7603% | 6,078 |
| Equity capital to assets | 6.5537% | 6,636 |
| Core capital (leverage) ratio | 7.4776% | 6,453 |
| Tier 1 risk-based capital ratio | 11.3494% | 6,128 |
| Total risk-based capital ratio | 12.6016% | 6,097 |
| Memoranda: | ||
| Average total assets | $1,291,183,250 | 511 |
| Average earning assets | $1,207,716,000 | 496 |
| Average equity | $93,796,500 | 754 |
| Average total loans | $813,544,500 | 511 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2889% | 536 |
| Cost of funding earning assets | 0.4345% | 4,612 |
| Net interest margin | 4.8543% | 399 |
| Noninterest income to average assets | 1.9118% | 475 |
| Noninterest expense to average assets | 5.3256% | 289 |
| Loan and lease loss provision to assets | 0.0472% | 4,027 |
| Net operating income to assets | 0.7540% | 3,547 |
| Return on assets (ROA) | 0.8052% | 3,420 |
| Pretax return on assets | 1.1342% | 2,955 |
| Return on Equity (ROE) | 10.6887% | 1,932 |
| Retained earnings to average equity (ytd only) | 5.6514% | 2,642 |
| Net charge-offs to loans | 0.2338% | 2,322 |
| Credit loss provision to net charge-offs | 31.5846% | 3,560 |
| Earnings coverage of net charge-offs (x) | 7.4218% | 2,549 |
| Efficiency ratio | 82.7601% | 1,792 |
| Assets per employee ($millions) | 2.5388% | 6,462 |
| Cash dividends to net income (ytd only)* | 47.1278% | 1,990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 4,204 |
| Loan loss allowance to noncurrent loans | 73.3501% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.5605% | 2,773 |
| Noncurrent loans to loans | 1.8561% | 2,553 |
| Net loans and leases to total assets | 65.0906% | 2,747 |
| Net loans and leases to deposits | 70.7001% | 3,624 |
| Net loans and leases to core deposits | 109.8411% | 567 |
| Total domestic deposits to total assets | 74.1099% | 6,436 |
| Equity capital to assets | 7.3706% | 6,484 |
| Core capital (leverage) ratio | 7.3465% | 6,511 |
| Tier 1 risk-based capital ratio | 11.1929% | 6,251 |
| Total risk-based capital ratio | 12.4447% | 6,220 |
| Memoranda: | ||
| Average total assets | $1,249,700,670 | 524 |
| Average earning assets | $1,164,444,670 | 510 |
| Average equity | $94,136,670 | 748 |
| Average total loans | $798,856,330 | 519 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2148% | 590 |
| Cost of funding earning assets | 0.4929% | 4,151 |
| Net interest margin | 4.7219% | 459 |
| Noninterest income to average assets | 1.9147% | 455 |
| Noninterest expense to average assets | 5.1897% | 325 |
| Loan and lease loss provision to assets | 0.3139% | 1,084 |
| Net operating income to assets | 0.5792% | 4,317 |
| Return on assets (ROA) | 0.6272% | 4,246 |
| Pretax return on assets | 0.8728% | 3,861 |
| Return on Equity (ROE) | 8.2359% | 2,859 |
| Retained earnings to average equity (ytd only) | 3.2259% | 4,314 |
| Net charge-offs to loans | 0.2443% | 1,989 |
| Credit loss provision to net charge-offs | 204.4025% | 1,068 |
| Earnings coverage of net charge-offs (x) | 7.2935% | 2,088 |
| Efficiency ratio | 82.2482% | 2,011 |
| Assets per employee ($millions) | 2.5262% | 6,555 |
| Cash dividends to net income (ytd only)* | 60.8316% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5597% | 3,575 |
| Loan loss allowance to noncurrent loans | 50.0340% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 2.2655% | 2,060 |
| Noncurrent loans to loans | 3.1173% | 1,594 |
| Net loans and leases to total assets | 61.9456% | 3,071 |
| Net loans and leases to deposits | 67.1868% | 3,888 |
| Net loans and leases to core deposits | 105.8733% | 648 |
| Total domestic deposits to total assets | 74.5957% | 6,497 |
| Equity capital to assets | 7.4433% | 6,608 |
| Core capital (leverage) ratio | 7.3783% | 6,513 |
| Tier 1 risk-based capital ratio | 11.7347% | 6,070 |
| Total risk-based capital ratio | 12.9892% | 6,043 |
| Memoranda: | ||
| Average total assets | $1,242,381,500 | 533 |
| Average earning assets | $1,156,406,500 | 522 |
| Average equity | $94,610,000 | 757 |
| Average total loans | $781,122,000 | 530 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 484 |
| Cost of funding earning assets | 0.5055% | 5,177 |
| Net interest margin | 5.1240% | 315 |
| Noninterest income to average assets | 1.9033% | 467 |
| Noninterest expense to average assets | 5.3719% | 290 |
| Loan and lease loss provision to assets | 0.3273% | 2,078 |
| Net operating income to assets | 0.6616% | 3,921 |
| Return on assets (ROA) | 0.7432% | 3,784 |
| Pretax return on assets | 1.0306% | 3,437 |
| Return on Equity (ROE) | 9.5761% | 2,370 |
| Retained earnings to average equity (ytd only) | 4.4490% | 3,107 |
| Net charge-offs to loans | 0.3743% | 2,760 |
| Credit loss provision to net charge-offs | 139.6348% | 1,974 |
| Earnings coverage of net charge-offs (x) | 5.3090% | 3,072 |
| Efficiency ratio | 81.1904% | 1,987 |
| Assets per employee ($millions) | 2.3710% | 6,730 |
| Cash dividends to net income (ytd only)* | 53.5404% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 3,412 |
| Loan loss allowance to noncurrent loans | 64.9699% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 1.8861% | 2,589 |
| Noncurrent loans to loans | 2.4265% | 2,191 |
| Net loans and leases to total assets | 61.8258% | 3,280 |
| Net loans and leases to deposits | 67.9202% | 3,997 |
| Net loans and leases to core deposits | 105.5693% | 709 |
| Total domestic deposits to total assets | 73.5699% | 6,574 |
| Equity capital to assets | 7.7958% | 6,505 |
| Core capital (leverage) ratio | 7.4333% | 6,531 |
| Tier 1 risk-based capital ratio | 12.0422% | 5,760 |
| Total risk-based capital ratio | 13.2965% | 5,715 |
| Memoranda: | ||
| Average total assets | $1,191,468,400 | 553 |
| Average earning assets | $1,095,914,400 | 538 |
| Average equity | $92,470,200 | 759 |
| Average total loans | $746,181,800 | 549 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6860% | 471 |
| Cost of funding earning assets | 0.5013% | 5,426 |
| Net interest margin | 5.1847% | 302 |
| Noninterest income to average assets | 1.8930% | 452 |
| Noninterest expense to average assets | 5.3096% | 301 |
| Loan and lease loss provision to assets | 0.3287% | 1,996 |
| Net operating income to assets | 0.7451% | 3,714 |
| Return on assets (ROA) | 0.7798% | 3,792 |
| Pretax return on assets | 1.0667% | 3,473 |
| Return on Equity (ROE) | 10.0590% | 2,325 |
| Retained earnings to average equity (ytd only) | 4.9056% | 3,434 |
| Net charge-offs to loans | 0.3611% | 2,658 |
| Credit loss provision to net charge-offs | 145.4500% | 1,963 |
| Earnings coverage of net charge-offs (x) | 5.9642% | 2,882 |
| Efficiency ratio | 79.7542% | 2,132 |
| Assets per employee ($millions) | 2.4543% | 6,735 |
| Cash dividends to net income (ytd only)* | 51.2321% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 3,559 |
| Loan loss allowance to noncurrent loans | 64.5047% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.7783% | 2,944 |
| Noncurrent loans to loans | 2.4639% | 2,337 |
| Net loans and leases to total assets | 57.9430% | 4,146 |
| Net loans and leases to deposits | 63.4520% | 4,782 |
| Net loans and leases to core deposits | 102.7665% | 944 |
| Total domestic deposits to total assets | 74.3391% | 6,574 |
| Equity capital to assets | 7.5429% | 6,768 |
| Core capital (leverage) ratio | 7.5324% | 6,609 |
| Tier 1 risk-based capital ratio | 12.0858% | 5,895 |
| Total risk-based capital ratio | 13.3401% | 5,870 |
| Memoranda: | ||
| Average total assets | $1,186,442,750 | 558 |
| Average earning assets | $1,090,279,500 | 549 |
| Average equity | $91,974,750 | 767 |
| Average total loans | $742,462,000 | 553 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8255% | 394 |
| Cost of funding earning assets | 0.5052% | 5,582 |
| Net interest margin | 5.3203% | 238 |
| Noninterest income to average assets | 1.9442% | 421 |
| Noninterest expense to average assets | 5.3565% | 300 |
| Loan and lease loss provision to assets | 0.3358% | 1,965 |
| Net operating income to assets | 0.8267% | 3,267 |
| Return on assets (ROA) | 0.8493% | 3,420 |
| Pretax return on assets | 1.1667% | 3,054 |
| Return on Equity (ROE) | 10.8497% | 2,047 |
| Retained earnings to average equity (ytd only) | 5.6360% | 2,906 |
| Net charge-offs to loans | 0.3149% | 2,770 |
| Credit loss provision to net charge-offs | 166.8092% | 1,667 |
| Earnings coverage of net charge-offs (x) | 7.3097% | 2,504 |
| Efficiency ratio | 78.4495% | 2,405 |
| Assets per employee ($millions) | 2.3536% | 6,863 |
| Cash dividends to net income (ytd only)* | 48.0535% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5495% | 3,784 |
| Loan loss allowance to noncurrent loans | 61.6697% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.9638% | 2,826 |
| Noncurrent loans to loans | 2.5126% | 2,403 |
| Net loans and leases to total assets | 63.0138% | 3,232 |
| Net loans and leases to deposits | 69.4337% | 3,977 |
| Net loans and leases to core deposits | 109.9652% | 578 |
| Total domestic deposits to total assets | 73.4491% | 6,713 |
| Equity capital to assets | 7.9185% | 6,624 |
| Core capital (leverage) ratio | 7.6188% | 6,558 |
| Tier 1 risk-based capital ratio | 11.7848% | 6,066 |
| Total risk-based capital ratio | 13.0384% | 6,044 |
| Memoranda: | ||
| Average total assets | $1,161,424,670 | 569 |
| Average earning assets | $1,066,146,330 | 561 |
| Average equity | $90,915,330 | 768 |
| Average total loans | $742,364,670 | 553 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4920% | 768 |
| Cost of funding earning assets | 0.5079% | 5,764 |
| Net interest margin | 4.9840% | 409 |
| Noninterest income to average assets | 2.0899% | 379 |
| Noninterest expense to average assets | 5.2861% | 304 |
| Loan and lease loss provision to assets | 0.3380% | 1,850 |
| Net operating income to assets | 0.7550% | 3,599 |
| Return on assets (ROA) | 0.7846% | 3,689 |
| Pretax return on assets | 1.0682% | 3,446 |
| Return on Equity (ROE) | 10.0823% | 2,381 |
| Retained earnings to average equity (ytd only) | 4.8072% | 3,668 |
| Net charge-offs to loans | 0.1737% | 3,052 |
| Credit loss provision to net charge-offs | 304.6875% | 966 |
| Earnings coverage of net charge-offs (x) | 12.3094% | 1,612 |
| Efficiency ratio | 79.4694% | 2,272 |
| Assets per employee ($millions) | 2.3823% | 6,934 |
| Cash dividends to net income (ytd only)* | 52.3199% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5716% | 3,840 |
| Loan loss allowance to noncurrent loans | 60.2841% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 2.0126% | 2,880 |
| Noncurrent loans to loans | 2.6070% | 2,492 |
| Net loans and leases to total assets | 61.9401% | 3,266 |
| Net loans and leases to deposits | 67.9908% | 4,059 |
| Net loans and leases to core deposits | 109.8454% | 542 |
| Total domestic deposits to total assets | 74.0624% | 6,737 |
| Equity capital to assets | 7.7404% | 6,668 |
| Core capital (leverage) ratio | 7.6375% | 6,541 |
| Tier 1 risk-based capital ratio | 11.7174% | 6,146 |
| Total risk-based capital ratio | 12.9714% | 6,127 |
| Memoranda: | ||
| Average total assets | $1,153,748,000 | 576 |
| Average earning assets | $1,056,015,500 | 563 |
| Average equity | $89,781,500 | 772 |
| Average total loans | $736,945,000 | 555 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 1,439 |
| Cost of funding earning assets | 0.5961% | 6,107 |
| Net interest margin | 4.7956% | 631 |
| Noninterest income to average assets | 1.9176% | 403 |
| Noninterest expense to average assets | 5.3362% | 289 |
| Loan and lease loss provision to assets | 0.4370% | 2,411 |
| Net operating income to assets | 0.3714% | 4,988 |
| Return on assets (ROA) | 0.5736% | 4,311 |
| Pretax return on assets | 0.6453% | 4,531 |
| Return on Equity (ROE) | 7.0140% | 3,403 |
| Retained earnings to average equity (ytd only) | 1.7396% | 4,977 |
| Net charge-offs to loans | 0.4462% | 3,203 |
| Credit loss provision to net charge-offs | 160.2012% | 1,723 |
| Earnings coverage of net charge-offs (x) | 3.1350% | 3,646 |
| Efficiency ratio | 86.1878% | 1,539 |
| Assets per employee ($millions) | 2.2895% | 7,021 |
| Cash dividends to net income (ytd only)* | 75.1980% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 4,132 |
| Loan loss allowance to noncurrent loans | 67.5537% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 1.7906% | 3,265 |
| Noncurrent loans to loans | 2.1807% | 2,974 |
| Net loans and leases to total assets | 63.8862% | 3,213 |
| Net loans and leases to deposits | 70.1432% | 4,072 |
| Net loans and leases to core deposits | 107.3945% | 735 |
| Total domestic deposits to total assets | 74.1773% | 6,699 |
| Equity capital to assets | 7.8241% | 6,674 |
| Core capital (leverage) ratio | 7.7606% | 6,483 |
| Tier 1 risk-based capital ratio | 11.6715% | 6,040 |
| Total risk-based capital ratio | 12.9246% | 6,024 |
| Memoranda: | ||
| Average total assets | $1,056,523,200 | 626 |
| Average earning assets | $941,560,400 | 629 |
| Average equity | $86,398,400 | 779 |
| Average total loans | $645,919,000 | 638 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 1,330 |
| Cost of funding earning assets | 0.6128% | 6,229 |
| Net interest margin | 4.8583% | 560 |
| Noninterest income to average assets | 1.9374% | 401 |
| Noninterest expense to average assets | 5.2556% | 297 |
| Loan and lease loss provision to assets | 0.4152% | 2,385 |
| Net operating income to assets | 0.4533% | 4,755 |
| Return on assets (ROA) | 0.6288% | 4,152 |
| Pretax return on assets | 0.7926% | 4,160 |
| Return on Equity (ROE) | 7.5988% | 3,227 |
| Retained earnings to average equity (ytd only) | 2.3540% | 4,938 |
| Net charge-offs to loans | 0.5112% | 2,716 |
| Credit loss provision to net charge-offs | 135.1068% | 2,360 |
| Earnings coverage of net charge-offs (x) | 3.2074% | 3,538 |
| Efficiency ratio | 84.2073% | 1,714 |
| Assets per employee ($millions) | 2.3279% | 7,056 |
| Cash dividends to net income (ytd only)* | 69.0212% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6104% | 3,612 |
| Loan loss allowance to noncurrent loans | 65.3544% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.7622% | 3,458 |
| Noncurrent loans to loans | 2.4640% | 2,811 |
| Net loans and leases to total assets | 55.3369% | 4,951 |
| Net loans and leases to deposits | 60.9822% | 5,520 |
| Net loans and leases to core deposits | 97.3652% | 1,487 |
| Total domestic deposits to total assets | 74.5930% | 6,689 |
| Equity capital to assets | 8.0466% | 6,667 |
| Core capital (leverage) ratio | 8.3911% | 5,871 |
| Tier 1 risk-based capital ratio | 12.6011% | 5,403 |
| Total risk-based capital ratio | 13.8539% | 5,380 |
| Memoranda: | ||
| Average total assets | $1,035,610,750 | 646 |
| Average earning assets | $917,447,750 | 652 |
| Average equity | $85,696,000 | 791 |
| Average total loans | $622,572,750 | 673 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6846% | 900 |
| Cost of funding earning assets | 0.6264% | 6,332 |
| Net interest margin | 5.0582% | 360 |
| Noninterest income to average assets | 1.9639% | 369 |
| Noninterest expense to average assets | 5.3629% | 287 |
| Loan and lease loss provision to assets | 0.3850% | 2,490 |
| Net operating income to assets | 0.5059% | 4,476 |
| Return on assets (ROA) | 0.6863% | 3,739 |
| Pretax return on assets | 0.8744% | 3,741 |
| Return on Equity (ROE) | 8.2112% | 2,855 |
| Retained earnings to average equity (ytd only) | 3.0450% | 4,342 |
| Net charge-offs to loans | 0.4162% | 2,891 |
| Credit loss provision to net charge-offs | 150.3470% | 2,032 |
| Earnings coverage of net charge-offs (x) | 4.0154% | 2,991 |
| Efficiency ratio | 83.9115% | 1,823 |
| Assets per employee ($millions) | 2.1903% | 7,184 |
| Cash dividends to net income (ytd only)* | 62.9171% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5926% | 3,721 |
| Loan loss allowance to noncurrent loans | 39.1968% | 5,704 |
| Noncurrent assets plus other real estate owned to assets | 2.8256% | 2,375 |
| Noncurrent loans to loans | 4.0630% | 1,701 |
| Net loans and leases to total assets | 59.1291% | 4,438 |
| Net loans and leases to deposits | 65.7017% | 5,043 |
| Net loans and leases to core deposits | 99.0577% | 1,431 |
| Total domestic deposits to total assets | 73.3686% | 6,897 |
| Equity capital to assets | 8.4581% | 6,230 |
| Core capital (leverage) ratio | 8.3367% | 5,812 |
| Tier 1 risk-based capital ratio | 12.5797% | 5,266 |
| Total risk-based capital ratio | 13.8322% | 5,239 |
| Memoranda: | ||
| Average total assets | $1,013,000,330 | 664 |
| Average earning assets | $886,638,000 | 682 |
| Average equity | $84,664,670 | 798 |
| Average total loans | $623,228,670 | 685 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6344% | 999 |
| Cost of funding earning assets | 0.6258% | 6,495 |
| Net interest margin | 5.0086% | 375 |
| Noninterest income to average assets | 1.9262% | 377 |
| Noninterest expense to average assets | 5.2844% | 293 |
| Loan and lease loss provision to assets | 0.3873% | 2,246 |
| Net operating income to assets | 0.5049% | 4,473 |
| Return on assets (ROA) | 0.5653% | 4,284 |
| Pretax return on assets | 0.7107% | 4,262 |
| Return on Equity (ROE) | 6.8049% | 3,486 |
| Retained earnings to average equity (ytd only) | 1.5829% | 5,163 |
| Net charge-offs to loans | 0.5864% | 2,024 |
| Credit loss provision to net charge-offs | 106.0936% | 2,513 |
| Earnings coverage of net charge-offs (x) | 2.8009% | 2,963 |
| Efficiency ratio | 83.7879% | 1,982 |
| Assets per employee ($millions) | 2.2023% | 7,255 |
| Cash dividends to net income (ytd only)* | 76.7393% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 4,414 |
| Loan loss allowance to noncurrent loans | 33.7189% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 3.0454% | 2,266 |
| Noncurrent loans to loans | 4.3179% | 1,640 |
| Net loans and leases to total assets | 61.0103% | 4,075 |
| Net loans and leases to deposits | 67.4694% | 4,749 |
| Net loans and leases to core deposits | 107.4402% | 871 |
| Total domestic deposits to total assets | 72.2230% | 7,066 |
| Equity capital to assets | 8.1934% | 6,284 |
| Core capital (leverage) ratio | 8.3520% | 5,710 |
| Tier 1 risk-based capital ratio | 12.3734% | 5,373 |
| Total risk-based capital ratio | 13.6248% | 5,358 |
| Memoranda: | ||
| Average total assets | $1,006,960,000 | 667 |
| Average earning assets | $880,727,500 | 689 |
| Average equity | $83,646,000 | 796 |
| Average total loans | $626,878,000 | 690 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7312% | 1,463 |
| Cost of funding earning assets | 0.7076% | 6,863 |
| Net interest margin | 5.0236% | 410 |
| Noninterest income to average assets | 1.9272% | 420 |
| Noninterest expense to average assets | 5.3067% | 337 |
| Loan and lease loss provision to assets | 0.3217% | 4,245 |
| Net operating income to assets | 0.5291% | 3,968 |
| Return on assets (ROA) | 0.7300% | 3,224 |
| Pretax return on assets | 0.9713% | 3,025 |
| Return on Equity (ROE) | 8.6126% | 2,461 |
| Retained earnings to average equity (ytd only) | 3.3311% | 3,536 |
| Net charge-offs to loans | 0.4520% | 3,807 |
| Credit loss provision to net charge-offs | 115.4414% | 3,745 |
| Earnings coverage of net charge-offs (x) | 3.6786% | 3,239 |
| Efficiency ratio | 83.8110% | 1,941 |
| Assets per employee ($millions) | 2.3343% | 7,186 |
| Cash dividends to net income (ytd only)* | 61.3226% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4741% | 4,162 |
| Loan loss allowance to noncurrent loans | 32.4152% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 3.2995% | 2,139 |
| Noncurrent loans to loans | 4.5477% | 1,549 |
| Net loans and leases to total assets | 61.6847% | 4,353 |
| Net loans and leases to deposits | 68.8109% | 4,981 |
| Net loans and leases to core deposits | 107.9386% | 1,050 |
| Total domestic deposits to total assets | 71.3182% | 7,142 |
| Equity capital to assets | 8.4236% | 5,960 |
| Core capital (leverage) ratio | 8.5337% | 5,296 |
| Tier 1 risk-based capital ratio | 12.6381% | 4,908 |
| Total risk-based capital ratio | 13.8899% | 4,887 |
| Memoranda: | ||
| Average total assets | $971,478,400 | 682 |
| Average earning assets | $851,759,200 | 713 |
| Average equity | $82,344,000 | 800 |
| Average total loans | $598,872,800 | 745 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7304% | 1,606 |
| Cost of funding earning assets | 0.7279% | 6,984 |
| Net interest margin | 5.0025% | 442 |
| Noninterest income to average assets | 1.9125% | 404 |
| Noninterest expense to average assets | 5.3035% | 304 |
| Loan and lease loss provision to assets | 0.3070% | 4,121 |
| Net operating income to assets | 0.5142% | 4,244 |
| Return on assets (ROA) | 0.7060% | 3,539 |
| Pretax return on assets | 0.9450% | 3,387 |
| Return on Equity (ROE) | 8.3162% | 2,783 |
| Retained earnings to average equity (ytd only) | 3.0180% | 4,323 |
| Net charge-offs to loans | 0.4726% | 3,385 |
| Credit loss provision to net charge-offs | 105.8012% | 4,041 |
| Earnings coverage of net charge-offs (x) | 3.4332% | 3,455 |
| Efficiency ratio | 84.1868% | 1,813 |
| Assets per employee ($millions) | 2.3262% | 7,285 |
| Cash dividends to net income (ytd only)* | 63.7092% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4130% | 4,379 |
| Loan loss allowance to noncurrent loans | 39.3158% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 2.7548% | 2,629 |
| Noncurrent loans to loans | 3.5940% | 2,182 |
| Net loans and leases to total assets | 62.9778% | 4,329 |
| Net loans and leases to deposits | 70.3842% | 5,091 |
| Net loans and leases to core deposits | 110.7409% | 995 |
| Total domestic deposits to total assets | 71.5463% | 7,178 |
| Equity capital to assets | 8.5914% | 6,166 |
| Core capital (leverage) ratio | 8.5818% | 5,373 |
| Tier 1 risk-based capital ratio | 12.4459% | 5,036 |
| Total risk-based capital ratio | 13.6970% | 5,003 |
| Memoranda: | ||
| Average total assets | $966,333,500 | 685 |
| Average earning assets | $847,479,000 | 715 |
| Average equity | $82,038,250 | 802 |
| Average total loans | $593,315,000 | 752 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6473% | 1,954 |
| Cost of funding earning assets | 0.7650% | 7,020 |
| Net interest margin | 4.8824% | 555 |
| Noninterest income to average assets | 1.8861% | 382 |
| Noninterest expense to average assets | 5.3097% | 306 |
| Loan and lease loss provision to assets | 0.3069% | 3,931 |
| Net operating income to assets | 0.4030% | 4,740 |
| Return on assets (ROA) | 0.5250% | 4,373 |
| Pretax return on assets | 0.7051% | 4,217 |
| Return on Equity (ROE) | 6.2088% | 3,688 |
| Retained earnings to average equity (ytd only) | 0.8638% | 5,421 |
| Net charge-offs to loans | 0.3601% | 3,554 |
| Credit loss provision to net charge-offs | 140.7443% | 2,842 |
| Earnings coverage of net charge-offs (x) | 3.8855% | 3,137 |
| Efficiency ratio | 86.2391% | 1,681 |
| Assets per employee ($millions) | 2.3542% | 7,295 |
| Cash dividends to net income (ytd only)* | 86.0880% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 4,015 |
| Loan loss allowance to noncurrent loans | 49.6991% | 4,975 |
| Noncurrent assets plus other real estate owned to assets | 2.3311% | 3,099 |
| Noncurrent loans to loans | 2.9779% | 2,695 |
| Net loans and leases to total assets | 62.0066% | 4,683 |
| Net loans and leases to deposits | 69.2214% | 5,383 |
| Net loans and leases to core deposits | 110.7019% | 1,122 |
| Total domestic deposits to total assets | 72.8053% | 7,117 |
| Equity capital to assets | 8.4257% | 6,260 |
| Core capital (leverage) ratio | 8.3132% | 5,738 |
| Tier 1 risk-based capital ratio | 12.4992% | 4,864 |
| Total risk-based capital ratio | 13.7511% | 4,836 |
| Memoranda: | ||
| Average total assets | $961,222,670 | 690 |
| Average earning assets | $840,822,670 | 714 |
| Average equity | $81,271,330 | 805 |
| Average total loans | $582,055,670 | 782 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 2,126 |
| Cost of funding earning assets | 0.8259% | 7,014 |
| Net interest margin | 4.7796% | 675 |
| Noninterest income to average assets | 1.8496% | 378 |
| Noninterest expense to average assets | 5.2617% | 303 |
| Loan and lease loss provision to assets | 0.3053% | 3,594 |
| Net operating income to assets | 0.3689% | 4,978 |
| Return on assets (ROA) | 0.3731% | 5,086 |
| Pretax return on assets | 0.4822% | 5,023 |
| Return on Equity (ROE) | 4.4052% | 4,705 |
| Retained earnings to average equity (ytd only) | -0.9894% | 6,045 |
| Net charge-offs to loans | 0.3294% | 3,087 |
| Credit loss provision to net charge-offs | 156.2500% | 2,287 |
| Earnings coverage of net charge-offs (x) | 4.0022% | 2,723 |
| Efficiency ratio | 87.0601% | 1,681 |
| Assets per employee ($millions) | 2.2903% | 7,472 |
| Cash dividends to net income (ytd only)* | 122.4605% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5855% | 3,516 |
| Loan loss allowance to noncurrent loans | 45.2216% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 2.4694% | 2,937 |
| Noncurrent loans to loans | 3.5061% | 2,273 |
| Net loans and leases to total assets | 58.2131% | 5,395 |
| Net loans and leases to deposits | 64.9479% | 5,949 |
| Net loans and leases to core deposits | 103.2837% | 1,798 |
| Total domestic deposits to total assets | 72.6329% | 7,201 |
| Equity capital to assets | 8.4189% | 6,131 |
| Core capital (leverage) ratio | 8.4649% | 5,434 |
| Tier 1 risk-based capital ratio | 13.2614% | 4,156 |
| Total risk-based capital ratio | 14.5146% | 4,097 |
| Memoranda: | ||
| Average total assets | $949,813,000 | 714 |
| Average earning assets | $833,465,500 | 740 |
| Average equity | $80,451,000 | 820 |
| Average total loans | $563,415,000 | 833 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6255% | 3,463 |
| Cost of funding earning assets | 1.0343% | 7,137 |
| Net interest margin | 4.5912% | 1,000 |
| Noninterest income to average assets | 1.6887% | 508 |
| Noninterest expense to average assets | 5.0493% | 500 |
| Loan and lease loss provision to assets | 0.2612% | 5,318 |
| Net operating income to assets | 0.3572% | 4,297 |
| Return on assets (ROA) | 0.5635% | 3,550 |
| Pretax return on assets | 0.7610% | 3,374 |
| Return on Equity (ROE) | 6.8032% | 2,868 |
| Retained earnings to average equity (ytd only) | 1.4507% | 4,051 |
| Net charge-offs to loans | 0.6556% | 3,223 |
| Credit loss provision to net charge-offs | 70.9318% | 6,474 |
| Earnings coverage of net charge-offs (x) | 2.0186% | 4,211 |
| Efficiency ratio | 87.1662% | 1,976 |
| Assets per employee ($millions) | 2.2488% | 7,531 |
| Cash dividends to net income (ytd only)* | 78.6766% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,428 |
| Loan loss allowance to noncurrent loans | 48.3485% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 2.3355% | 2,962 |
| Noncurrent loans to loans | 3.2323% | 2,360 |
| Net loans and leases to total assets | 58.5599% | 5,565 |
| Net loans and leases to deposits | 67.7900% | 5,859 |
| Net loans and leases to core deposits | 116.3992% | 2,273 |
| Total domestic deposits to total assets | 69.0454% | 7,486 |
| Equity capital to assets | 8.5226% | 5,846 |
| Core capital (leverage) ratio | 7.9539% | 6,255 |
| Tier 1 risk-based capital ratio | 13.5047% | 3,817 |
| Total risk-based capital ratio | 14.7577% | 3,763 |
| Memoranda: | ||
| Average total assets | $976,157,200 | 687 |
| Average earning assets | $872,581,200 | 696 |
| Average equity | $80,859,200 | 802 |
| Average total loans | $548,390,200 | 872 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5623% | 4,087 |
| Cost of funding earning assets | 1.0671% | 7,250 |
| Net interest margin | 4.4952% | 1,204 |
| Noninterest income to average assets | 1.6378% | 547 |
| Noninterest expense to average assets | 4.8984% | 525 |
| Loan and lease loss provision to assets | 0.2537% | 4,923 |
| Net operating income to assets | 0.3662% | 4,530 |
| Return on assets (ROA) | 0.5599% | 3,840 |
| Pretax return on assets | 0.7564% | 3,684 |
| Return on Equity (ROE) | 6.8058% | 3,160 |
| Retained earnings to average equity (ytd only) | 1.4691% | 4,492 |
| Net charge-offs to loans | 0.7738% | 2,425 |
| Credit loss provision to net charge-offs | 59.2043% | 6,186 |
| Earnings coverage of net charge-offs (x) | 1.7461% | 4,488 |
| Efficiency ratio | 86.7466% | 1,987 |
| Assets per employee ($millions) | 2.4783% | 7,263 |
| Cash dividends to net income (ytd only)* | 78.4144% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5430% | 3,217 |
| Loan loss allowance to noncurrent loans | 50.8716% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 1.8739% | 3,547 |
| Noncurrent loans to loans | 3.0331% | 2,498 |
| Net loans and leases to total assets | 51.6894% | 6,630 |
| Net loans and leases to deposits | 57.7712% | 6,976 |
| Net loans and leases to core deposits | 117.1619% | 2,511 |
| Total domestic deposits to total assets | 75.5885% | 6,661 |
| Equity capital to assets | 7.8169% | 7,021 |
| Core capital (leverage) ratio | 7.5300% | 6,938 |
| Tier 1 risk-based capital ratio | 13.6743% | 3,734 |
| Total risk-based capital ratio | 14.9269% | 3,676 |
| Memoranda: | ||
| Average total assets | $985,200,750 | 691 |
| Average earning assets | $878,626,750 | 701 |
| Average equity | $81,046,250 | 807 |
| Average total loans | $545,689,750 | 891 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6125% | 4,009 |
| Cost of funding earning assets | 1.0499% | 7,464 |
| Net interest margin | 4.5626% | 1,032 |
| Noninterest income to average assets | 1.7005% | 505 |
| Noninterest expense to average assets | 4.9251% | 542 |
| Loan and lease loss provision to assets | 0.2489% | 4,583 |
| Net operating income to assets | 0.4402% | 4,338 |
| Return on assets (ROA) | 0.6049% | 3,765 |
| Pretax return on assets | 0.8165% | 3,616 |
| Return on Equity (ROE) | 7.2226% | 3,102 |
| Retained earnings to average equity (ytd only) | 1.8701% | 4,302 |
| Net charge-offs to loans | 0.6410% | 2,434 |
| Credit loss provision to net charge-offs | 68.8073% | 5,439 |
| Earnings coverage of net charge-offs (x) | 2.3297% | 3,900 |
| Efficiency ratio | 85.3880% | 2,307 |
| Assets per employee ($millions) | 2.7058% | 6,816 |
| Cash dividends to net income (ytd only)* | 74.1084% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 2,378 |
| Loan loss allowance to noncurrent loans | 63.8518% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.5169% | 3,950 |
| Noncurrent loans to loans | 2.6503% | 2,729 |
| Net loans and leases to total assets | 46.5674% | 7,158 |
| Net loans and leases to deposits | 51.9124% | 7,390 |
| Net loans and leases to core deposits | 103.8611% | 4,080 |
| Total domestic deposits to total assets | 76.9871% | 6,334 |
| Equity capital to assets | 6.9859% | 7,624 |
| Core capital (leverage) ratio | 8.7714% | 4,977 |
| Tier 1 risk-based capital ratio | 13.5971% | 3,761 |
| Total risk-based capital ratio | 14.8514% | 3,683 |
| Memoranda: | ||
| Average total assets | $964,161,670 | 723 |
| Average earning assets | $859,511,330 | 737 |
| Average equity | $80,746,330 | 816 |
| Average total loans | $544,132,670 | 917 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9716% | 2,476 |
| Cost of funding earning assets | 1.0947% | 7,531 |
| Net interest margin | 4.8769% | 527 |
| Noninterest income to average assets | 1.8724% | 400 |
| Noninterest expense to average assets | 5.3404% | 392 |
| Loan and lease loss provision to assets | 0.2759% | 3,756 |
| Net operating income to assets | 0.5329% | 4,283 |
| Return on assets (ROA) | 0.5440% | 4,425 |
| Pretax return on assets | 0.7684% | 4,192 |
| Return on Equity (ROE) | 5.8523% | 4,094 |
| Retained earnings to average equity (ytd only) | 0.5095% | 5,454 |
| Net charge-offs to loans | 0.2570% | 3,123 |
| Credit loss provision to net charge-offs | 171.9198% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.4097% | 2,501 |
| Efficiency ratio | 83.8495% | 2,323 |
| Assets per employee ($millions) | 2.0854% | 7,820 |
| Cash dividends to net income (ytd only)* | 91.2933% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7879% | 1,881 |
| Loan loss allowance to noncurrent loans | 62.0095% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.8440% | 3,150 |
| Noncurrent loans to loans | 2.8833% | 2,266 |
| Net loans and leases to total assets | 62.4908% | 5,238 |
| Net loans and leases to deposits | 72.2837% | 5,709 |
| Net loans and leases to core deposits | 138.5514% | 1,170 |
| Total domestic deposits to total assets | 70.2677% | 7,404 |
| Equity capital to assets | 9.2372% | 5,031 |
| Core capital (leverage) ratio | 9.3953% | 4,112 |
| Tier 1 risk-based capital ratio | 14.0037% | 3,587 |
| Total risk-based capital ratio | 15.2601% | 3,501 |
| Memoranda: | ||
| Average total assets | $869,898,000 | 809 |
| Average earning assets | $802,061,000 | 796 |
| Average equity | $80,856,500 | 813 |
| Average total loans | $543,190,500 | 924 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2398% | 4,301 |
| Cost of funding earning assets | 1.2337% | 7,906 |
| Net interest margin | 5.0061% | 499 |
| Noninterest income to average assets | 1.7364% | 450 |
| Noninterest expense to average assets | 5.2225% | 569 |
| Loan and lease loss provision to assets | 0.2755% | 4,190 |
| Net operating income to assets | 0.5929% | 4,330 |
| Return on assets (ROA) | 0.7128% | 3,668 |
| Pretax return on assets | 0.9893% | 3,417 |
| Return on Equity (ROE) | 7.9686% | 3,087 |
| Retained earnings to average equity (ytd only) | 2.4342% | 3,679 |
| Net charge-offs to loans | 0.2945% | 3,433 |
| Credit loss provision to net charge-offs | 167.1309% | 3,073 |
| Earnings coverage of net charge-offs (x) | 6.6630% | 3,305 |
| Efficiency ratio | 82.6251% | 2,224 |
| Assets per employee ($millions) | 2.0421% | 7,880 |
| Cash dividends to net income (ytd only)* | 69.4525% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8632% | 1,500 |
| Loan loss allowance to noncurrent loans | 86.2711% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 3,508 |
| Noncurrent loans to loans | 2.1597% | 2,553 |
| Net loans and leases to total assets | 60.0831% | 5,899 |
| Net loans and leases to deposits | 69.6621% | 6,309 |
| Net loans and leases to core deposits | 129.4733% | 1,889 |
| Total domestic deposits to total assets | 70.0967% | 7,264 |
| Equity capital to assets | 9.3543% | 4,870 |
| Core capital (leverage) ratio | 9.3767% | 4,195 |
| Tier 1 risk-based capital ratio | 14.6741% | 3,218 |
| Total risk-based capital ratio | 15.9310% | 3,133 |
| Memoranda: | ||
| Average total assets | $871,232,800 | 776 |
| Average earning assets | $797,827,200 | 771 |
| Average equity | $77,930,800 | 854 |
| Average total loans | $487,613,600 | 980 |