Home > Bank of Marin > Performance and Condition Ratios
Bank of Marin, 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 | 3.7482% | 4,230 |
| Cost of funding earning assets | 0.9782% | 3,349 |
| Net interest margin | 2.7701% | 3,719 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.9234% | 3,787 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.6369% | 3,345 |
| Return on assets (ROA) | 0.5217% | 3,612 |
| Pretax return on assets | 0.6861% | 3,467 |
| Return on Equity (ROE) | 5.0800% | 3,710 |
| Retained earnings to average equity (ytd only) | 0.2639% | 3,991 |
| Net charge-offs to loans | 0.0184% | 1,992 |
| Credit loss provision to net charge-offs | 667.0984% | 545 |
| Earnings coverage of net charge-offs (x) | 92.9223% | 935 |
| Efficiency ratio | 67.2501% | 2,202 |
| Assets per employee ($millions) | 11.5652% | 464 |
| Cash dividends to net income (ytd only)* | 94.8047% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2139% | 2,217 |
| Loan loss allowance to noncurrent loans | 314.9650% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 2,176 |
| Noncurrent loans to loans | 0.3854% | 1,831 |
| Net loans and leases to total assets | 53.8400% | 3,361 |
| Net loans and leases to deposits | 62.1080% | 3,403 |
| Net loans and leases to core deposits | 64.1626% | 3,582 |
| Total domestic deposits to total assets | 86.6900% | 1,794 |
| Equity capital to assets | 11.3489% | 1,349 |
| Core capital (leverage) ratio | 10.2787% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6154% | 1,155 |
| Memoranda: | ||
| Average total assets | $4,043,543,000 | 317 |
| Average earning assets | $3,755,329,600 | 305 |
| Average equity | $415,289,000 | 308 |
| Average total loans | $2,093,666,400 | 392 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6718% | 4,245 |
| Cost of funding earning assets | 0.8944% | 3,286 |
| Net interest margin | 2.7774% | 3,763 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9134% | 3,782 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.6562% | 3,416 |
| Return on assets (ROA) | 0.6566% | 3,405 |
| Pretax return on assets | 0.8758% | 3,158 |
| Return on Equity (ROE) | 6.5500% | 3,533 |
| Retained earnings to average equity (ytd only) | 0.0668% | 4,099 |
| Net charge-offs to loans | -0.0001% | 3,421 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.7005% | 2,191 |
| Assets per employee ($millions) | 12.0844% | 363 |
| Cash dividends to net income (ytd only)* | 98.9805% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 2,560 |
| Loan loss allowance to noncurrent loans | 427.7151% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1405% | 2,630 |
| Noncurrent loans to loans | 0.2718% | 2,265 |
| Net loans and leases to total assets | 51.1000% | 3,549 |
| Net loans and leases to deposits | 59.6857% | 3,522 |
| Net loans and leases to core deposits | 61.2926% | 3,643 |
| Total domestic deposits to total assets | 85.6200% | 2,306 |
| Equity capital to assets | 10.0853% | 1,780 |
| Core capital (leverage) ratio | 9.9543% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1290% | 1,287 |
| Memoranda: | ||
| Average total assets | $4,103,190,500 | 316 |
| Average earning assets | $3,812,249,750 | 305 |
| Average equity | $411,156,500 | 312 |
| Average total loans | $2,098,653,000 | 390 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 4,222 |
| Cost of funding earning assets | 0.7793% | 3,270 |
| Net interest margin | 2.8494% | 3,733 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 1.9183% | 3,776 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.7081% | 3,330 |
| Return on assets (ROA) | 0.7081% | 3,332 |
| Pretax return on assets | 0.9514% | 3,044 |
| Return on Equity (ROE) | 7.0800% | 3,464 |
| Retained earnings to average equity (ytd only) | 0.2943% | 4,023 |
| Net charge-offs to loans | 0.0001% | 2,453 |
| Credit loss provision to net charge-offs | 85,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 20,133.0000% | 2 |
| Efficiency ratio | 65.1324% | 2,356 |
| Assets per employee ($millions) | 12.9110% | 306 |
| Cash dividends to net income (ytd only)* | 95.8445% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 2,781 |
| Loan loss allowance to noncurrent loans | 1,128.4091% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,145 |
| Noncurrent loans to loans | 0.1004% | 2,985 |
| Net loans and leases to total assets | 50.8000% | 3,501 |
| Net loans and leases to deposits | 62.3237% | 3,285 |
| Net loans and leases to core deposits | 63.8540% | 3,458 |
| Total domestic deposits to total assets | 81.5000% | 3,339 |
| Equity capital to assets | 10.1176% | 1,789 |
| Core capital (leverage) ratio | 9.8591% | 2,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9907% | 1,320 |
| Memoranda: | ||
| Average total assets | $4,125,528,667 | 305 |
| Average earning assets | $3,833,874,667 | 297 |
| Average equity | $412,522,000 | 301 |
| Average total loans | $2,102,556,667 | 377 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 4,153 |
| Cost of funding earning assets | 0.4621% | 3,802 |
| Net interest margin | 3.1374% | 3,270 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.8740% | 3,908 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.9372% | 2,730 |
| Return on assets (ROA) | 0.9372% | 2,686 |
| Pretax return on assets | 1.2799% | 2,228 |
| Return on Equity (ROE) | 9.4300% | 2,938 |
| Retained earnings to average equity (ytd only) | -4.1735% | 4,298 |
| Net charge-offs to loans | 0.0006% | 2,044 |
| Credit loss provision to net charge-offs | 11,666.6667% | 41 |
| Earnings coverage of net charge-offs (x) | 4,476.3333% | 15 |
| Efficiency ratio | 58.0496% | 3,189 |
| Assets per employee ($millions) | 13.2964% | 289 |
| Cash dividends to net income (ytd only)* | 144.2704% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 3,031 |
| Loan loss allowance to noncurrent loans | 1,151.5301% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0600% | 3,181 |
| Noncurrent loans to loans | 0.0959% | 3,065 |
| Net loans and leases to total assets | 50.5200% | 3,447 |
| Net loans and leases to deposits | 63.9853% | 3,087 |
| Net loans and leases to core deposits | 65.1375% | 3,281 |
| Total domestic deposits to total assets | 78.9500% | 3,902 |
| Equity capital to assets | 10.0586% | 1,789 |
| Core capital (leverage) ratio | 9.5971% | 3,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6266% | 1,460 |
| Memoranda: | ||
| Average total assets | $4,141,899,000 | 316 |
| Average earning assets | $3,850,390,000 | 307 |
| Average equity | $411,736,500 | 308 |
| Average total loans | $2,102,437,000 | 389 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 3,657 |
| Cost of funding earning assets | 0.0636% | 4,527 |
| Net interest margin | 3.2093% | 2,844 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.7112% | 4,157 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1155% | 2,100 |
| Return on assets (ROA) | 1.1144% | 2,044 |
| Pretax return on assets | 1.5209% | 1,392 |
| Return on Equity (ROE) | 11.6400% | 2,262 |
| Retained earnings to average equity (ytd only) | 7.6997% | 1,957 |
| Net charge-offs to loans | -0.0011% | 3,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.9912% | 3,979 |
| Assets per employee ($millions) | 13.2544% | 286 |
| Cash dividends to net income (ytd only)* | 33.8565% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 2,903 |
| Loan loss allowance to noncurrent loans | 945.0247% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 3,099 |
| Noncurrent loans to loans | 0.1162% | 2,946 |
| Net loans and leases to total assets | 49.8900% | 3,510 |
| Net loans and leases to deposits | 57.8201% | 3,472 |
| Net loans and leases to core deposits | 58.5498% | 3,582 |
| Total domestic deposits to total assets | 86.2800% | 2,647 |
| Equity capital to assets | 9.8233% | 1,806 |
| Core capital (leverage) ratio | 9.4940% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7310% | 1,425 |
| Memoranda: | ||
| Average total assets | $4,293,765,400 | 301 |
| Average earning assets | $4,005,457,800 | 292 |
| Average equity | $411,040,800 | 300 |
| Average total loans | $2,174,202,600 | 358 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 3,469 |
| Cost of funding earning assets | 0.0566% | 4,544 |
| Net interest margin | 3.1285% | 2,834 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.7121% | 4,127 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.0688% | 2,215 |
| Return on assets (ROA) | 1.0673% | 2,179 |
| Pretax return on assets | 1.4540% | 1,541 |
| Return on Equity (ROE) | 11.2200% | 2,293 |
| Retained earnings to average equity (ytd only) | 5.9755% | 2,764 |
| Net charge-offs to loans | -0.0002% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.1467% | 3,900 |
| Assets per employee ($millions) | 14.4024% | 224 |
| Cash dividends to net income (ytd only)* | 46.7384% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0639% | 3,181 |
| Loan loss allowance to noncurrent loans | 215.8785% | 2,588 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 1,943 |
| Noncurrent loans to loans | 0.4928% | 1,569 |
| Net loans and leases to total assets | 49.0900% | 3,523 |
| Net loans and leases to deposits | 54.5750% | 3,573 |
| Net loans and leases to core deposits | 55.2639% | 3,672 |
| Total domestic deposits to total assets | 89.9600% | 1,678 |
| Equity capital to assets | 8.9140% | 2,269 |
| Core capital (leverage) ratio | 9.0089% | 3,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7431% | 1,791 |
| Memoranda: | ||
| Average total assets | $4,330,049,000 | 298 |
| Average earning assets | $4,043,605,250 | 290 |
| Average equity | $411,918,000 | 298 |
| Average total loans | $2,194,616,750 | 349 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1064% | 3,290 |
| Cost of funding earning assets | 0.0578% | 4,546 |
| Net interest margin | 3.0486% | 2,724 |
| Noninterest income to average assets | 0.2353% | 3,770 |
| Noninterest expense to average assets | 1.7235% | 4,103 |
| Loan and lease loss provision to assets | -0.0371% | 4,487 |
| Net operating income to assets | 1.0293% | 2,048 |
| Return on assets (ROA) | 1.0293% | 2,022 |
| Pretax return on assets | 1.3986% | 1,441 |
| Return on Equity (ROE) | 10.5961% | 2,138 |
| Retained earnings to average equity (ytd only) | 2.8815% | 3,478 |
| Net charge-offs to loans | -0.0001% | 2,960 |
| Credit loss provision to net charge-offs | 48,500.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7368% | 3,889 |
| Assets per employee ($millions) | 14.9192% | 203 |
| Cash dividends to net income (ytd only)* | 72.8057% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,416 |
| Loan loss allowance to noncurrent loans | 281.1050% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 2,300 |
| Noncurrent loans to loans | 0.3708% | 2,035 |
| Net loans and leases to total assets | 49.4638% | 3,425 |
| Net loans and leases to deposits | 55.6761% | 3,408 |
| Net loans and leases to core deposits | 56.4052% | 3,530 |
| Total domestic deposits to total assets | 88.8421% | 2,247 |
| Equity capital to assets | 9.1637% | 2,267 |
| Core capital (leverage) ratio | 8.7635% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2060% | 1,974 |
| Memoranda: | ||
| Average total assets | $4,323,554,667 | 295 |
| Average earning assets | $4,041,347,667 | 292 |
| Average equity | $419,984,333 | 294 |
| Average total loans | $2,206,710,333 | 337 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0416% | 3,134 |
| Cost of funding earning assets | 0.0572% | 4,549 |
| Net interest margin | 2.9844% | 2,551 |
| Noninterest income to average assets | 0.2414% | 3,702 |
| Noninterest expense to average assets | 1.7476% | 4,059 |
| Loan and lease loss provision to assets | -0.0743% | 4,556 |
| Net operating income to assets | 1.0006% | 1,884 |
| Return on assets (ROA) | 1.0006% | 1,879 |
| Pretax return on assets | 1.3591% | 1,361 |
| Return on Equity (ROE) | 10.0172% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.0172% | 1,012 |
| Net charge-offs to loans | -0.0016% | 3,073 |
| Credit loss provision to net charge-offs | 5,388.8889% | 89 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4718% | 3,831 |
| Assets per employee ($millions) | 13.8786% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,614 |
| Loan loss allowance to noncurrent loans | 293.6572% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 2,460 |
| Noncurrent loans to loans | 0.3487% | 2,236 |
| Net loans and leases to total assets | 50.3290% | 3,135 |
| Net loans and leases to deposits | 56.4189% | 3,224 |
| Net loans and leases to core deposits | 57.1934% | 3,366 |
| Total domestic deposits to total assets | 89.2060% | 1,976 |
| Equity capital to assets | 9.6830% | 2,150 |
| Core capital (leverage) ratio | 8.8732% | 3,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3078% | 2,075 |
| Memoranda: | ||
| Average total assets | $4,322,041,500 | 298 |
| Average earning assets | $4,041,986,000 | 296 |
| Average equity | $431,739,000 | 297 |
| Average total loans | $2,228,749,500 | 335 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 3,159 |
| Cost of funding earning assets | 0.0620% | 4,633 |
| Net interest margin | 3.2533% | 2,454 |
| Noninterest income to average assets | 0.2664% | 3,787 |
| Noninterest expense to average assets | 1.9474% | 3,822 |
| Loan and lease loss provision to assets | -0.0693% | 4,438 |
| Net operating income to assets | 1.0612% | 2,443 |
| Return on assets (ROA) | 1.0609% | 2,515 |
| Pretax return on assets | 1.4268% | 1,959 |
| Return on Equity (ROE) | 9.7473% | 2,621 |
| Retained earnings to average equity (ytd only) | -6.9419% | 4,733 |
| Net charge-offs to loans | -0.0043% | 3,516 |
| Credit loss provision to net charge-offs | 1,558.0645% | 369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9418% | 3,458 |
| Assets per employee ($millions) | 13.1523% | 297 |
| Cash dividends to net income (ytd only)* | 171.2191% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,659 |
| Loan loss allowance to noncurrent loans | 267.5537% | 2,217 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 2,470 |
| Noncurrent loans to loans | 0.3815% | 2,223 |
| Net loans and leases to total assets | 51.7534% | 3,098 |
| Net loans and leases to deposits | 58.5177% | 3,202 |
| Net loans and leases to core deposits | 59.3613% | 3,366 |
| Total domestic deposits to total assets | 88.4405% | 1,823 |
| Equity capital to assets | 10.2966% | 2,376 |
| Core capital (leverage) ratio | 8.7032% | 3,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3516% | 2,102 |
| Memoranda: | ||
| Average total assets | $3,523,384,800 | 332 |
| Average earning assets | $3,291,215,200 | 325 |
| Average equity | $383,481,600 | 329 |
| Average total loans | $2,157,151,800 | 344 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3336% | 3,299 |
| Cost of funding earning assets | 0.0614% | 4,731 |
| Net interest margin | 3.2722% | 2,502 |
| Noninterest income to average assets | 0.2769% | 3,768 |
| Noninterest expense to average assets | 2.0197% | 3,610 |
| Loan and lease loss provision to assets | -0.1303% | 4,662 |
| Net operating income to assets | 1.0736% | 2,642 |
| Return on assets (ROA) | 1.0736% | 2,704 |
| Pretax return on assets | 1.4418% | 2,176 |
| Return on Equity (ROE) | 9.6946% | 2,849 |
| Retained earnings to average equity (ytd only) | -13.4740% | 4,864 |
| Net charge-offs to loans | -0.0053% | 3,450 |
| Credit loss provision to net charge-offs | 2,439.2857% | 288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7369% | 3,017 |
| Assets per employee ($millions) | 12.2411% | 349 |
| Cash dividends to net income (ytd only)* | 238.9843% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,950 |
| Loan loss allowance to noncurrent loans | 266.1047% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.2165% | 2,699 |
| Noncurrent loans to loans | 0.3635% | 2,480 |
| Net loans and leases to total assets | 53.8653% | 2,985 |
| Net loans and leases to deposits | 61.2876% | 3,116 |
| Net loans and leases to core deposits | 62.1436% | 3,305 |
| Total domestic deposits to total assets | 87.8893% | 1,908 |
| Equity capital to assets | 10.3771% | 2,548 |
| Core capital (leverage) ratio | 9.7513% | 2,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3490% | 2,234 |
| Memoranda: | ||
| Average total assets | $3,325,739,750 | 347 |
| Average earning assets | $3,104,221,750 | 341 |
| Average equity | $368,304,250 | 341 |
| Average total loans | $2,132,528,500 | 349 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4785% | 2,944 |
| Cost of funding earning assets | 0.0632% | 4,775 |
| Net interest margin | 3.4153% | 2,092 |
| Noninterest income to average assets | 0.2336% | 4,006 |
| Noninterest expense to average assets | 1.9903% | 3,732 |
| Loan and lease loss provision to assets | -0.3351% | 4,855 |
| Net operating income to assets | 1.3186% | 1,809 |
| Return on assets (ROA) | 1.3186% | 1,875 |
| Pretax return on assets | 1.7800% | 1,280 |
| Return on Equity (ROE) | 11.5640% | 2,211 |
| Retained earnings to average equity (ytd only) | -5.8920% | 4,803 |
| Net charge-offs to loans | -0.0072% | 3,552 |
| Credit loss provision to net charge-offs | 5,132.0000% | 132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1495% | 3,384 |
| Assets per employee ($millions) | 11.0552% | 448 |
| Cash dividends to net income (ytd only)* | 150.9510% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 3,985 |
| Loan loss allowance to noncurrent loans | 207.8346% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 2,429 |
| Noncurrent loans to loans | 0.4589% | 2,300 |
| Net loans and leases to total assets | 64.5442% | 1,884 |
| Net loans and leases to deposits | 73.7886% | 2,020 |
| Net loans and leases to core deposits | 74.6467% | 2,358 |
| Total domestic deposits to total assets | 87.4718% | 2,107 |
| Equity capital to assets | 11.1861% | 1,841 |
| Core capital (leverage) ratio | 9.8841% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2974% | 1,869 |
| Memoranda: | ||
| Average total assets | $3,014,353,667 | 374 |
| Average earning assets | $2,825,623,667 | 368 |
| Average equity | $343,720,667 | 357 |
| Average total loans | $2,071,031,667 | 357 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4312% | 3,118 |
| Cost of funding earning assets | 0.0630% | 4,817 |
| Net interest margin | 3.3682% | 2,191 |
| Noninterest income to average assets | 0.2246% | 4,037 |
| Noninterest expense to average assets | 2.0174% | 3,666 |
| Loan and lease loss provision to assets | -0.4716% | 4,911 |
| Net operating income to assets | 1.3611% | 1,658 |
| Return on assets (ROA) | 1.3611% | 1,746 |
| Pretax return on assets | 1.8335% | 1,230 |
| Return on Equity (ROE) | 11.8212% | 2,083 |
| Retained earnings to average equity (ytd only) | -23.0943% | 4,931 |
| Net charge-offs to loans | -0.0025% | 3,180 |
| Credit loss provision to net charge-offs | 22,530.7692% | 17 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8888% | 3,172 |
| Assets per employee ($millions) | 10.8433% | 465 |
| Cash dividends to net income (ytd only)* | 295.3628% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 4,049 |
| Loan loss allowance to noncurrent loans | 216.8169% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 2,637 |
| Noncurrent loans to loans | 0.4338% | 2,558 |
| Net loans and leases to total assets | 68.7360% | 1,438 |
| Net loans and leases to deposits | 78.5678% | 1,661 |
| Net loans and leases to core deposits | 79.4672% | 2,055 |
| Total domestic deposits to total assets | 87.4862% | 2,097 |
| Equity capital to assets | 10.8314% | 1,985 |
| Core capital (leverage) ratio | 9.8652% | 2,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7768% | 1,974 |
| Memoranda: | ||
| Average total assets | $2,984,857,500 | 373 |
| Average earning assets | $2,795,659,000 | 368 |
| Average equity | $343,687,000 | 353 |
| Average total loans | $2,105,164,000 | 354 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 3,564 |
| Cost of funding earning assets | 0.1042% | 4,853 |
| Net interest margin | 3.6007% | 2,139 |
| Noninterest income to average assets | 0.2411% | 4,051 |
| Noninterest expense to average assets | 2.0279% | 4,089 |
| Loan and lease loss provision to assets | 0.1587% | 2,387 |
| Net operating income to assets | 1.0558% | 2,080 |
| Return on assets (ROA) | 1.0808% | 2,123 |
| Pretax return on assets | 1.4533% | 1,499 |
| Return on Equity (ROE) | 9.1824% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.4276% | 2,578 |
| Net charge-offs to loans | 0.0001% | 3,442 |
| Credit loss provision to net charge-offs | 459,400.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 45,747.0000% | 2 |
| Efficiency ratio | 55.3854% | 4,057 |
| Assets per employee ($millions) | 10.0758% | 515 |
| Cash dividends to net income (ytd only)* | 51.7820% | 1,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,486 |
| Loan loss allowance to noncurrent loans | 247.7418% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 2,725 |
| Noncurrent loans to loans | 0.4421% | 2,649 |
| Net loans and leases to total assets | 70.9391% | 1,436 |
| Net loans and leases to deposits | 82.3089% | 1,630 |
| Net loans and leases to core deposits | 83.3263% | 2,093 |
| Total domestic deposits to total assets | 86.1864% | 2,284 |
| Equity capital to assets | 12.2316% | 1,460 |
| Core capital (leverage) ratio | 10.6357% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8019% | 1,597 |
| Memoranda: | ||
| Average total assets | $2,894,728,800 | 355 |
| Average earning assets | $2,707,004,200 | 344 |
| Average equity | $340,705,400 | 340 |
| Average total loans | $1,998,778,800 | 354 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7490% | 3,685 |
| Cost of funding earning assets | 0.1166% | 4,891 |
| Net interest margin | 3.6323% | 2,151 |
| Noninterest income to average assets | 0.2446% | 4,015 |
| Noninterest expense to average assets | 2.0214% | 4,106 |
| Loan and lease loss provision to assets | 0.2514% | 1,612 |
| Net operating income to assets | 1.0246% | 2,237 |
| Return on assets (ROA) | 1.0579% | 2,251 |
| Pretax return on assets | 1.4131% | 1,681 |
| Return on Equity (ROE) | 9.0779% | 2,368 |
| Retained earnings to average equity (ytd only) | 2.6655% | 3,661 |
| Net charge-offs to loans | 0.0009% | 3,204 |
| Credit loss provision to net charge-offs | 38,928.5714% | 29 |
| Earnings coverage of net charge-offs (x) | 2,512.0714% | 37 |
| Efficiency ratio | 54.6664% | 4,081 |
| Assets per employee ($millions) | 10.2239% | 474 |
| Cash dividends to net income (ytd only)* | 70.6375% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 3,465 |
| Loan loss allowance to noncurrent loans | 1,533.4951% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 4,200 |
| Noncurrent loans to loans | 0.0684% | 4,097 |
| Net loans and leases to total assets | 70.1100% | 1,933 |
| Net loans and leases to deposits | 80.8003% | 2,220 |
| Net loans and leases to core deposits | 81.7319% | 2,680 |
| Total domestic deposits to total assets | 86.7695% | 1,745 |
| Equity capital to assets | 11.7018% | 1,876 |
| Core capital (leverage) ratio | 10.1745% | 2,544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4714% | 1,668 |
| Memoranda: | ||
| Average total assets | $2,890,433,750 | 341 |
| Average earning assets | $2,704,779,750 | 333 |
| Average equity | $336,838,750 | 338 |
| Average total loans | $1,976,334,500 | 352 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7811% | 3,914 |
| Cost of funding earning assets | 0.1340% | 4,918 |
| Net interest margin | 3.6471% | 2,324 |
| Noninterest income to average assets | 0.2559% | 3,940 |
| Noninterest expense to average assets | 2.0208% | 4,193 |
| Loan and lease loss provision to assets | 0.2935% | 1,465 |
| Net operating income to assets | 1.0104% | 2,286 |
| Return on assets (ROA) | 1.0609% | 2,234 |
| Pretax return on assets | 1.4251% | 1,657 |
| Return on Equity (ROE) | 9.1164% | 2,310 |
| Retained earnings to average equity (ytd only) | -0.6113% | 4,423 |
| Net charge-offs to loans | 0.0009% | 3,003 |
| Credit loss provision to net charge-offs | 46,666.6667% | 25 |
| Earnings coverage of net charge-offs (x) | 2,631.1111% | 30 |
| Efficiency ratio | 54.1702% | 4,161 |
| Assets per employee ($millions) | 10.7849% | 406 |
| Cash dividends to net income (ytd only)* | 106.7053% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 3,625 |
| Loan loss allowance to noncurrent loans | 1,314.9338% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 4,282 |
| Noncurrent loans to loans | 0.0752% | 4,158 |
| Net loans and leases to total assets | 65.6704% | 2,673 |
| Net loans and leases to deposits | 74.7415% | 3,004 |
| Net loans and leases to core deposits | 75.4499% | 3,334 |
| Total domestic deposits to total assets | 87.8635% | 1,247 |
| Equity capital to assets | 10.6690% | 2,600 |
| Core capital (leverage) ratio | 10.1747% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0311% | 1,804 |
| Memoranda: | ||
| Average total assets | $2,862,195,000 | 337 |
| Average earning assets | $2,683,610,667 | 329 |
| Average equity | $333,069,667 | 338 |
| Average total loans | $1,932,449,000 | 354 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 3,668 |
| Cost of funding earning assets | 0.1921% | 4,906 |
| Net interest margin | 3.8504% | 1,823 |
| Noninterest income to average assets | 0.3126% | 3,639 |
| Noninterest expense to average assets | 2.2446% | 3,901 |
| Loan and lease loss provision to assets | 0.3256% | 951 |
| Net operating income to assets | 1.0131% | 2,137 |
| Return on assets (ROA) | 1.1067% | 1,917 |
| Pretax return on assets | 1.4687% | 1,389 |
| Return on Equity (ROE) | 9.0662% | 2,084 |
| Retained earnings to average equity (ytd only) | -10.5770% | 4,785 |
| Net charge-offs to loans | -0.0015% | 3,628 |
| Credit loss provision to net charge-offs | -31,428.5714% | 4,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4482% | 4,167 |
| Assets per employee ($millions) | 9.1139% | 513 |
| Cash dividends to net income (ytd only)* | 216.6644% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,579 |
| Loan loss allowance to noncurrent loans | 1,157.1078% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 4,292 |
| Noncurrent loans to loans | 0.0885% | 4,157 |
| Net loans and leases to total assets | 67.6493% | 2,593 |
| Net loans and leases to deposits | 78.4584% | 2,838 |
| Net loans and leases to core deposits | 79.3764% | 3,248 |
| Total domestic deposits to total assets | 86.2232% | 1,908 |
| Equity capital to assets | 12.2222% | 1,903 |
| Core capital (leverage) ratio | 10.9365% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4022% | 2,112 |
| Memoranda: | ||
| Average total assets | $2,702,521,000 | 343 |
| Average earning assets | $2,532,318,500 | 336 |
| Average equity | $329,885,500 | 339 |
| Average total loans | $1,843,573,000 | 358 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2143% | 3,776 |
| Cost of funding earning assets | 0.1885% | 4,985 |
| Net interest margin | 4.0258% | 1,769 |
| Noninterest income to average assets | 0.3208% | 3,769 |
| Noninterest expense to average assets | 2.2067% | 4,146 |
| Loan and lease loss provision to assets | 0.0351% | 3,304 |
| Net operating income to assets | 1.3785% | 1,419 |
| Return on assets (ROA) | 1.3802% | 1,487 |
| Pretax return on assets | 1.8535% | 832 |
| Return on Equity (ROE) | 11.2651% | 1,786 |
| Retained earnings to average equity (ytd only) | 5.6618% | 2,052 |
| Net charge-offs to loans | 0.0025% | 3,605 |
| Credit loss provision to net charge-offs | 2,045.4545% | 181 |
| Earnings coverage of net charge-offs (x) | 1,099.1364% | 87 |
| Efficiency ratio | 53.0662% | 4,512 |
| Assets per employee ($millions) | 9.3357% | 444 |
| Cash dividends to net income (ytd only)* | 49.7400% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 3,940 |
| Loan loss allowance to noncurrent loans | 7,379.2035% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 4,635 |
| Noncurrent loans to loans | 0.0123% | 4,536 |
| Net loans and leases to total assets | 67.4687% | 2,757 |
| Net loans and leases to deposits | 77.8570% | 3,024 |
| Net loans and leases to core deposits | 78.8145% | 3,386 |
| Total domestic deposits to total assets | 86.6573% | 1,779 |
| Equity capital to assets | 12.1910% | 2,021 |
| Core capital (leverage) ratio | 11.2906% | 2,257 |
| Tier 1 risk-based capital ratio | 13.7889% | 3,373 |
| Total risk-based capital ratio | 14.6275% | 3,477 |
| Memoranda: | ||
| Average total assets | $2,563,606,000 | 351 |
| Average earning assets | $2,402,179,400 | 343 |
| Average equity | $314,104,200 | 333 |
| Average total loans | $1,788,651,400 | 358 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 3,757 |
| Cost of funding earning assets | 0.1827% | 5,068 |
| Net interest margin | 4.0862% | 1,653 |
| Noninterest income to average assets | 0.3226% | 3,816 |
| Noninterest expense to average assets | 2.2952% | 3,967 |
| Loan and lease loss provision to assets | 0.0211% | 3,492 |
| Net operating income to assets | 1.3733% | 1,559 |
| Return on assets (ROA) | 1.3756% | 1,622 |
| Pretax return on assets | 1.8362% | 1,004 |
| Return on Equity (ROE) | 11.2123% | 1,924 |
| Retained earnings to average equity (ytd only) | 3.6454% | 3,582 |
| Net charge-offs to loans | -0.0014% | 4,027 |
| Credit loss provision to net charge-offs | -2,105.2632% | 4,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4669% | 4,337 |
| Assets per employee ($millions) | 8.9074% | 505 |
| Cash dividends to net income (ytd only)* | 67.4873% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9029% | 4,028 |
| Loan loss allowance to noncurrent loans | 3,848.3412% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 4,669 |
| Noncurrent loans to loans | 0.0235% | 4,572 |
| Net loans and leases to total assets | 68.7660% | 2,661 |
| Net loans and leases to deposits | 79.6110% | 2,939 |
| Net loans and leases to core deposits | 80.6087% | 3,344 |
| Total domestic deposits to total assets | 86.3775% | 1,835 |
| Equity capital to assets | 12.3995% | 1,982 |
| Core capital (leverage) ratio | 11.3342% | 2,354 |
| Tier 1 risk-based capital ratio | 13.7493% | 3,451 |
| Total risk-based capital ratio | 14.5972% | 3,550 |
| Memoranda: | ||
| Average total assets | $2,527,672,250 | 356 |
| Average earning assets | $2,367,300,250 | 347 |
| Average equity | $310,117,000 | 339 |
| Average total loans | $1,774,992,750 | 362 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 3,709 |
| Cost of funding earning assets | 0.1803% | 5,115 |
| Net interest margin | 4.0961% | 1,619 |
| Noninterest income to average assets | 0.2872% | 4,019 |
| Noninterest expense to average assets | 2.3652% | 3,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3023% | 1,760 |
| Return on assets (ROA) | 1.3058% | 1,811 |
| Pretax return on assets | 1.7682% | 1,125 |
| Return on Equity (ROE) | 10.6824% | 2,101 |
| Retained earnings to average equity (ytd only) | 3.8929% | 3,300 |
| Net charge-offs to loans | -0.0016% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4253% | 4,197 |
| Assets per employee ($millions) | 8.4088% | 579 |
| Cash dividends to net income (ytd only)* | 63.5580% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8972% | 4,104 |
| Loan loss allowance to noncurrent loans | 2,758.7108% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 4,664 |
| Noncurrent loans to loans | 0.0325% | 4,557 |
| Net loans and leases to total assets | 70.9903% | 2,387 |
| Net loans and leases to deposits | 82.6923% | 2,652 |
| Net loans and leases to core deposits | 83.8057% | 3,121 |
| Total domestic deposits to total assets | 85.8487% | 2,113 |
| Equity capital to assets | 12.8809% | 1,648 |
| Core capital (leverage) ratio | 11.2474% | 2,381 |
| Tier 1 risk-based capital ratio | 13.7451% | 3,454 |
| Total risk-based capital ratio | 14.5823% | 3,573 |
| Memoranda: | ||
| Average total assets | $2,506,212,330 | 361 |
| Average earning assets | $2,350,599,000 | 350 |
| Average equity | $306,355,670 | 343 |
| Average total loans | $1,767,093,670 | 362 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2304% | 3,779 |
| Cost of funding earning assets | 0.1726% | 5,174 |
| Net interest margin | 4.0579% | 1,669 |
| Noninterest income to average assets | 0.2501% | 4,223 |
| Noninterest expense to average assets | 2.3933% | 3,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2362% | 1,930 |
| Return on assets (ROA) | 1.2354% | 1,979 |
| Pretax return on assets | 1.6703% | 1,284 |
| Return on Equity (ROE) | 10.3784% | 2,202 |
| Retained earnings to average equity (ytd only) | -3.4488% | 4,839 |
| Net charge-offs to loans | 0.0009% | 2,729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 2,640.0000% | 7 |
| Efficiency ratio | 58.0173% | 4,073 |
| Assets per employee ($millions) | 8.5607% | 550 |
| Cash dividends to net income (ytd only)* | 133.2308% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 4,192 |
| Loan loss allowance to noncurrent loans | 2,199.8609% | 293 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 4,710 |
| Noncurrent loans to loans | 0.0406% | 4,582 |
| Net loans and leases to total assets | 69.3269% | 2,576 |
| Net loans and leases to deposits | 79.8426% | 2,854 |
| Net loans and leases to core deposits | 80.9240% | 3,281 |
| Total domestic deposits to total assets | 86.8295% | 1,891 |
| Equity capital to assets | 11.9085% | 2,078 |
| Core capital (leverage) ratio | 10.6916% | 2,857 |
| Tier 1 risk-based capital ratio | 13.0309% | 3,867 |
| Total risk-based capital ratio | 13.8517% | 3,980 |
| Memoranda: | ||
| Average total assets | $2,527,428,500 | 362 |
| Average earning assets | $2,375,825,500 | 354 |
| Average equity | $300,855,000 | 347 |
| Average total loans | $1,768,201,000 | 363 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0999% | 3,742 |
| Cost of funding earning assets | 0.0938% | 5,300 |
| Net interest margin | 4.0061% | 1,967 |
| Noninterest income to average assets | 0.3316% | 3,890 |
| Noninterest expense to average assets | 2.2780% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3496% | 1,618 |
| Return on assets (ROA) | 1.3773% | 1,499 |
| Pretax return on assets | 1.8396% | 837 |
| Return on Equity (ROE) | 11.8232% | 1,777 |
| Retained earnings to average equity (ytd only) | -0.7696% | 5,068 |
| Net charge-offs to loans | -0.0032% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8969% | 4,530 |
| Assets per employee ($millions) | 8.6927% | 514 |
| Cash dividends to net income (ytd only)* | 106.5096% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 4,181 |
| Loan loss allowance to noncurrent loans | 2,269.8709% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 4,724 |
| Noncurrent loans to loans | 0.0395% | 4,579 |
| Net loans and leases to total assets | 69.3423% | 2,686 |
| Net loans and leases to deposits | 79.6724% | 2,993 |
| Net loans and leases to core deposits | 80.8088% | 3,365 |
| Total domestic deposits to total assets | 87.0342% | 1,769 |
| Equity capital to assets | 11.8987% | 1,972 |
| Core capital (leverage) ratio | 10.7683% | 2,771 |
| Tier 1 risk-based capital ratio | 13.1645% | 3,749 |
| Total risk-based capital ratio | 13.9850% | 3,879 |
| Memoranda: | ||
| Average total assets | $2,501,783,400 | 360 |
| Average earning assets | $2,342,448,800 | 352 |
| Average equity | $291,436,400 | 347 |
| Average total loans | $1,712,219,800 | 368 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,827 |
| Cost of funding earning assets | 0.0816% | 5,390 |
| Net interest margin | 3.9536% | 2,113 |
| Noninterest income to average assets | 0.3313% | 3,940 |
| Noninterest expense to average assets | 2.3264% | 4,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2799% | 1,929 |
| Return on assets (ROA) | 1.2766% | 1,945 |
| Pretax return on assets | 1.6965% | 1,282 |
| Return on Equity (ROE) | 11.0182% | 2,169 |
| Retained earnings to average equity (ytd only) | -5.8953% | 5,331 |
| Net charge-offs to loans | -0.0039% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8510% | 4,270 |
| Assets per employee ($millions) | 8.8693% | 468 |
| Cash dividends to net income (ytd only)* | 153.5051% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 4,207 |
| Loan loss allowance to noncurrent loans | 4,097.6684% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0152% | 4,924 |
| Noncurrent loans to loans | 0.0223% | 4,805 |
| Net loans and leases to total assets | 67.2975% | 3,037 |
| Net loans and leases to deposits | 76.3334% | 3,391 |
| Net loans and leases to core deposits | 77.5333% | 3,694 |
| Total domestic deposits to total assets | 88.1625% | 1,168 |
| Equity capital to assets | 11.1312% | 2,532 |
| Core capital (leverage) ratio | 10.4714% | 3,111 |
| Tier 1 risk-based capital ratio | 12.8846% | 3,970 |
| Total risk-based capital ratio | 13.7227% | 4,102 |
| Memoranda: | ||
| Average total assets | $2,497,006,500 | 358 |
| Average earning assets | $2,334,230,750 | 352 |
| Average equity | $289,307,250 | 348 |
| Average total loans | $1,699,308,750 | 370 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9886% | 3,820 |
| Cost of funding earning assets | 0.0763% | 5,450 |
| Net interest margin | 3.9123% | 2,166 |
| Noninterest income to average assets | 0.3285% | 3,993 |
| Noninterest expense to average assets | 2.4094% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2036% | 2,182 |
| Return on assets (ROA) | 1.2043% | 2,179 |
| Pretax return on assets | 1.5766% | 1,576 |
| Return on Equity (ROE) | 10.2563% | 2,446 |
| Retained earnings to average equity (ytd only) | -13.2938% | 5,452 |
| Net charge-offs to loans | -0.0054% | 4,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5291% | 4,005 |
| Assets per employee ($millions) | 8.5583% | 512 |
| Cash dividends to net income (ytd only)* | 229.6157% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,243 |
| Loan loss allowance to noncurrent loans | 4,107.2727% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,957 |
| Noncurrent loans to loans | 0.0224% | 4,834 |
| Net loans and leases to total assets | 69.0443% | 2,715 |
| Net loans and leases to deposits | 78.4120% | 3,116 |
| Net loans and leases to core deposits | 79.9660% | 3,423 |
| Total domestic deposits to total assets | 88.0532% | 1,349 |
| Equity capital to assets | 11.2540% | 2,400 |
| Core capital (leverage) ratio | 10.2291% | 3,322 |
| Tier 1 risk-based capital ratio | 12.6473% | 4,097 |
| Total risk-based capital ratio | 13.4944% | 4,226 |
| Memoranda: | ||
| Average total assets | $2,480,843,330 | 357 |
| Average earning assets | $2,318,736,000 | 353 |
| Average equity | $291,294,670 | 344 |
| Average total loans | $1,689,454,670 | 372 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 3,961 |
| Cost of funding earning assets | 0.0759% | 5,509 |
| Net interest margin | 3.8130% | 2,368 |
| Noninterest income to average assets | 0.3285% | 3,956 |
| Noninterest expense to average assets | 2.5340% | 3,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0750% | 2,547 |
| Return on assets (ROA) | 1.0750% | 2,559 |
| Pretax return on assets | 1.3625% | 2,139 |
| Return on Equity (ROE) | 8.9711% | 2,917 |
| Retained earnings to average equity (ytd only) | 0.5217% | 4,725 |
| Net charge-offs to loans | -0.0010% | 3,755 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0833% | 3,472 |
| Assets per employee ($millions) | 8.7145% | 487 |
| Cash dividends to net income (ytd only)* | 94.1845% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 4,248 |
| Loan loss allowance to noncurrent loans | 4,023.2143% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 5,045 |
| Noncurrent loans to loans | 0.0234% | 4,876 |
| Net loans and leases to total assets | 65.9811% | 3,033 |
| Net loans and leases to deposits | 75.4805% | 3,275 |
| Net loans and leases to core deposits | 80.4574% | 3,286 |
| Total domestic deposits to total assets | 87.4148% | 1,944 |
| Equity capital to assets | 11.8342% | 1,893 |
| Core capital (leverage) ratio | 11.0846% | 2,345 |
| Tier 1 risk-based capital ratio | 13.8580% | 3,458 |
| Total risk-based capital ratio | 14.7203% | 3,589 |
| Memoranda: | ||
| Average total assets | $2,488,868,500 | 361 |
| Average earning assets | $2,329,000,000 | 352 |
| Average equity | $298,248,000 | 341 |
| Average total loans | $1,675,376,500 | 374 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8175% | 3,990 |
| Cost of funding earning assets | 0.0644% | 5,588 |
| Net interest margin | 3.7531% | 2,587 |
| Noninterest income to average assets | 0.3561% | 3,921 |
| Noninterest expense to average assets | 2.3974% | 4,087 |
| Loan and lease loss provision to assets | 0.0232% | 3,833 |
| Net operating income to assets | 0.8226% | 3,067 |
| Return on assets (ROA) | 0.8171% | 3,128 |
| Pretax return on assets | 1.4542% | 1,803 |
| Return on Equity (ROE) | 7.0243% | 3,267 |
| Retained earnings to average equity (ytd only) | 3.8347% | 2,920 |
| Net charge-offs to loans | 0.0114% | 3,688 |
| Credit loss provision to net charge-offs | 285.7143% | 978 |
| Earnings coverage of net charge-offs (x) | 183.0914% | 425 |
| Efficiency ratio | 61.1047% | 4,097 |
| Assets per employee ($millions) | 8.4810% | 538 |
| Cash dividends to net income (ytd only)* | 45.4081% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 4,277 |
| Loan loss allowance to noncurrent loans | 3,883.4975% | 212 |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 5,076 |
| Noncurrent loans to loans | 0.0242% | 4,907 |
| Net loans and leases to total assets | 67.3931% | 2,899 |
| Net loans and leases to deposits | 77.2891% | 3,194 |
| Net loans and leases to core deposits | 82.5085% | 3,202 |
| Total domestic deposits to total assets | 87.1962% | 1,901 |
| Equity capital to assets | 12.1349% | 1,739 |
| Core capital (leverage) ratio | 11.9703% | 1,616 |
| Tier 1 risk-based capital ratio | 13.8614% | 3,439 |
| Total risk-based capital ratio | 14.7291% | 3,548 |
| Memoranda: | ||
| Average total assets | $2,156,257,200 | 385 |
| Average earning assets | $2,026,485,400 | 372 |
| Average equity | $250,815,800 | 372 |
| Average total loans | $1,531,826,200 | 388 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8544% | 3,818 |
| Cost of funding earning assets | 0.0617% | 5,656 |
| Net interest margin | 3.7927% | 2,434 |
| Noninterest income to average assets | 0.3641% | 3,919 |
| Noninterest expense to average assets | 2.4006% | 4,019 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0120% | 2,507 |
| Return on assets (ROA) | 1.0125% | 2,545 |
| Pretax return on assets | 1.5327% | 1,657 |
| Return on Equity (ROE) | 8.8172% | 2,718 |
| Retained earnings to average equity (ytd only) | 4.3477% | 3,318 |
| Net charge-offs to loans | 0.0173% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 123.1032% | 618 |
| Efficiency ratio | 60.4646% | 4,136 |
| Assets per employee ($millions) | 7.9252% | 649 |
| Cash dividends to net income (ytd only)* | 50.6907% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 4,055 |
| Loan loss allowance to noncurrent loans | 1,158.6626% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,875 |
| Noncurrent loans to loans | 0.0863% | 4,725 |
| Net loans and leases to total assets | 70.0113% | 2,554 |
| Net loans and leases to deposits | 79.5688% | 3,006 |
| Net loans and leases to core deposits | 84.9625% | 3,048 |
| Total domestic deposits to total assets | 87.9884% | 1,369 |
| Equity capital to assets | 11.3644% | 2,499 |
| Core capital (leverage) ratio | 11.1491% | 2,323 |
| Tier 1 risk-based capital ratio | 13.7689% | 3,541 |
| Total risk-based capital ratio | 14.7080% | 3,647 |
| Memoranda: | ||
| Average total assets | $2,078,327,750 | 396 |
| Average earning assets | $1,955,498,000 | 383 |
| Average equity | $238,648,250 | 391 |
| Average total loans | $1,495,029,500 | 392 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 3,691 |
| Cost of funding earning assets | 0.0616% | 5,699 |
| Net interest margin | 3.7966% | 2,299 |
| Noninterest income to average assets | 0.3692% | 3,913 |
| Noninterest expense to average assets | 2.4430% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9921% | 2,461 |
| Return on assets (ROA) | 0.9927% | 2,512 |
| Pretax return on assets | 1.4886% | 1,694 |
| Return on Equity (ROE) | 8.6142% | 2,713 |
| Retained earnings to average equity (ytd only) | 5.2321% | 2,561 |
| Net charge-offs to loans | 0.0283% | 2,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 72.7000% | 821 |
| Efficiency ratio | 61.5682% | 4,073 |
| Assets per employee ($millions) | 7.9564% | 631 |
| Cash dividends to net income (ytd only)* | 39.2619% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 4,023 |
| Loan loss allowance to noncurrent loans | 1,291.9423% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 4,929 |
| Noncurrent loans to loans | 0.0790% | 4,819 |
| Net loans and leases to total assets | 70.2812% | 2,485 |
| Net loans and leases to deposits | 80.0361% | 2,906 |
| Net loans and leases to core deposits | 86.8420% | 2,807 |
| Total domestic deposits to total assets | 87.8118% | 1,556 |
| Equity capital to assets | 11.5412% | 2,285 |
| Core capital (leverage) ratio | 11.4085% | 2,039 |
| Tier 1 risk-based capital ratio | 13.8171% | 3,523 |
| Total risk-based capital ratio | 14.7638% | 3,610 |
| Memoranda: | ||
| Average total assets | $2,052,553,670 | 401 |
| Average earning assets | $1,925,413,670 | 390 |
| Average equity | $236,538,670 | 393 |
| Average total loans | $1,485,223,670 | 394 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8348% | 3,641 |
| Cost of funding earning assets | 0.0636% | 5,759 |
| Net interest margin | 3.7712% | 2,218 |
| Noninterest income to average assets | 0.3711% | 3,880 |
| Noninterest expense to average assets | 2.5178% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9366% | 2,575 |
| Return on assets (ROA) | 0.9366% | 2,633 |
| Pretax return on assets | 1.3949% | 1,908 |
| Return on Equity (ROE) | 8.1337% | 2,844 |
| Retained earnings to average equity (ytd only) | 1.2843% | 4,568 |
| Net charge-offs to loans | 0.0602% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 31.7220% | 1,183 |
| Efficiency ratio | 63.7555% | 3,875 |
| Assets per employee ($millions) | 7.7621% | 684 |
| Cash dividends to net income (ytd only)* | 84.2105% | 907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 4,098 |
| Loan loss allowance to noncurrent loans | 1,252.5926% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 4,986 |
| Noncurrent loans to loans | 0.0822% | 4,867 |
| Net loans and leases to total assets | 71.9071% | 2,088 |
| Net loans and leases to deposits | 81.9200% | 2,523 |
| Net loans and leases to core deposits | 85.5602% | 2,763 |
| Total domestic deposits to total assets | 87.7772% | 1,842 |
| Equity capital to assets | 11.5438% | 2,155 |
| Core capital (leverage) ratio | 11.2874% | 2,114 |
| Tier 1 risk-based capital ratio | 13.3668% | 3,851 |
| Total risk-based capital ratio | 14.3205% | 3,944 |
| Memoranda: | ||
| Average total assets | $2,028,582,500 | 403 |
| Average earning assets | $1,905,056,500 | 396 |
| Average equity | $233,597,000 | 394 |
| Average total loans | $1,482,093,000 | 398 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 2,975 |
| Cost of funding earning assets | 0.0973% | 5,717 |
| Net interest margin | 3.9680% | 1,738 |
| Noninterest income to average assets | 0.3786% | 4,044 |
| Noninterest expense to average assets | 2.3347% | 4,471 |
| Loan and lease loss provision to assets | -0.0925% | 5,677 |
| Net operating income to assets | 1.1836% | 1,557 |
| Return on assets (ROA) | 1.1972% | 1,607 |
| Pretax return on assets | 1.8940% | 632 |
| Return on Equity (ROE) | 10.6009% | 1,734 |
| Retained earnings to average equity (ytd only) | 7.7683% | 936 |
| Net charge-offs to loans | -0.1571% | 5,694 |
| Credit loss provision to net charge-offs | 80.6803% | 2,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0894% | 5,061 |
| Assets per employee ($millions) | 7.7233% | 678 |
| Cash dividends to net income (ytd only)* | 26.7201% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 4,085 |
| Loan loss allowance to noncurrent loans | 10,649.6552% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 5,272 |
| Noncurrent loans to loans | 0.0098% | 5,254 |
| Net loans and leases to total assets | 72.7045% | 2,063 |
| Net loans and leases to deposits | 82.8228% | 2,571 |
| Net loans and leases to core deposits | 89.3337% | 2,567 |
| Total domestic deposits to total assets | 87.7832% | 1,754 |
| Equity capital to assets | 11.4866% | 2,182 |
| Core capital (leverage) ratio | 11.1918% | 2,174 |
| Tier 1 risk-based capital ratio | 13.1460% | 3,975 |
| Total risk-based capital ratio | 14.0918% | 4,069 |
| Memoranda: | ||
| Average total assets | $2,000,622,600 | 393 |
| Average earning assets | $1,883,837,600 | 386 |
| Average equity | $225,943,400 | 389 |
| Average total loans | $1,459,149,000 | 382 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 2,926 |
| Cost of funding earning assets | 0.1073% | 5,741 |
| Net interest margin | 3.9795% | 1,712 |
| Noninterest income to average assets | 0.3824% | 4,047 |
| Noninterest expense to average assets | 2.3515% | 4,408 |
| Loan and lease loss provision to assets | -0.1036% | 5,797 |
| Net operating income to assets | 1.1908% | 1,668 |
| Return on assets (ROA) | 1.2076% | 1,715 |
| Pretax return on assets | 1.9095% | 693 |
| Return on Equity (ROE) | 10.7397% | 1,772 |
| Retained earnings to average equity (ytd only) | 6.9357% | 1,665 |
| Net charge-offs to loans | -0.2079% | 5,773 |
| Credit loss provision to net charge-offs | 68.4629% | 2,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2750% | 5,036 |
| Assets per employee ($millions) | 7.8127% | 632 |
| Cash dividends to net income (ytd only)* | 35.4198% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 4,021 |
| Loan loss allowance to noncurrent loans | 2,909.8148% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,283 |
| Noncurrent loans to loans | 0.0368% | 5,223 |
| Net loans and leases to total assets | 70.6633% | 2,398 |
| Net loans and leases to deposits | 80.3540% | 2,918 |
| Net loans and leases to core deposits | 85.9661% | 2,953 |
| Total domestic deposits to total assets | 87.9399% | 1,428 |
| Equity capital to assets | 11.2813% | 2,721 |
| Core capital (leverage) ratio | 10.8471% | 2,627 |
| Tier 1 risk-based capital ratio | 12.9501% | 4,191 |
| Total risk-based capital ratio | 13.9248% | 4,261 |
| Memoranda: | ||
| Average total assets | $1,994,904,000 | 394 |
| Average earning assets | $1,879,147,750 | 386 |
| Average equity | $224,321,500 | 395 |
| Average total loans | $1,452,282,250 | 383 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0291% | 3,145 |
| Cost of funding earning assets | 0.1254% | 5,729 |
| Net interest margin | 3.9037% | 1,966 |
| Noninterest income to average assets | 0.3881% | 3,968 |
| Noninterest expense to average assets | 2.3785% | 4,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0801% | 2,040 |
| Return on assets (ROA) | 1.1056% | 2,063 |
| Pretax return on assets | 1.7330% | 1,018 |
| Return on Equity (ROE) | 9.8436% | 2,117 |
| Retained earnings to average equity (ytd only) | 7.1389% | 1,533 |
| Net charge-offs to loans | -0.0122% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7526% | 4,935 |
| Assets per employee ($millions) | 7.6483% | 655 |
| Cash dividends to net income (ytd only)* | 27.4776% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,272 |
| Loan loss allowance to noncurrent loans | 553.6514% | 983 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,864 |
| Noncurrent loans to loans | 0.1881% | 4,682 |
| Net loans and leases to total assets | 73.4908% | 1,932 |
| Net loans and leases to deposits | 83.8553% | 2,484 |
| Net loans and leases to core deposits | 90.3136% | 2,505 |
| Total domestic deposits to total assets | 87.6400% | 1,606 |
| Equity capital to assets | 11.6988% | 2,357 |
| Core capital (leverage) ratio | 11.0760% | 2,354 |
| Tier 1 risk-based capital ratio | 12.8672% | 4,274 |
| Total risk-based capital ratio | 13.8168% | 4,381 |
| Memoranda: | ||
| Average total assets | $1,974,957,000 | 397 |
| Average earning assets | $1,863,544,000 | 389 |
| Average equity | $221,828,330 | 401 |
| Average total loans | $1,447,155,330 | 384 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 2,790 |
| Cost of funding earning assets | 0.0952% | 5,932 |
| Net interest margin | 4.0217% | 1,552 |
| Noninterest income to average assets | 0.3788% | 4,000 |
| Noninterest expense to average assets | 2.3705% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1619% | 1,667 |
| Return on assets (ROA) | 1.1761% | 1,733 |
| Pretax return on assets | 1.8379% | 789 |
| Return on Equity (ROE) | 10.6888% | 1,719 |
| Retained earnings to average equity (ytd only) | 5.2008% | 2,818 |
| Net charge-offs to loans | -0.0080% | 4,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9862% | 5,190 |
| Assets per employee ($millions) | 7.5917% | 671 |
| Cash dividends to net income (ytd only)* | 51.3435% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 4,375 |
| Loan loss allowance to noncurrent loans | 563.6909% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 4,938 |
| Noncurrent loans to loans | 0.1849% | 4,752 |
| Net loans and leases to total assets | 73.4158% | 1,819 |
| Net loans and leases to deposits | 84.5944% | 2,235 |
| Net loans and leases to core deposits | 88.9490% | 2,461 |
| Total domestic deposits to total assets | 86.7857% | 2,309 |
| Equity capital to assets | 11.4022% | 2,530 |
| Core capital (leverage) ratio | 10.7374% | 2,684 |
| Tier 1 risk-based capital ratio | 12.6290% | 4,505 |
| Total risk-based capital ratio | 13.5732% | 4,608 |
| Memoranda: | ||
| Average total assets | $1,987,271,000 | 397 |
| Average earning assets | $1,881,410,500 | 385 |
| Average equity | $218,659,500 | 403 |
| Average total loans | $1,446,533,500 | 380 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0003% | 3,304 |
| Cost of funding earning assets | 0.1040% | 5,947 |
| Net interest margin | 3.8963% | 2,042 |
| Noninterest income to average assets | 0.4314% | 3,808 |
| Noninterest expense to average assets | 2.4465% | 4,391 |
| Loan and lease loss provision to assets | 0.0266% | 3,858 |
| Net operating income to assets | 1.0214% | 2,251 |
| Return on assets (ROA) | 1.0241% | 2,323 |
| Pretax return on assets | 1.6133% | 1,215 |
| Return on Equity (ROE) | 9.2418% | 2,353 |
| Retained earnings to average equity (ytd only) | 6.1204% | 1,732 |
| Net charge-offs to loans | 0.0437% | 3,341 |
| Credit loss provision to net charge-offs | 83.3333% | 2,887 |
| Earnings coverage of net charge-offs (x) | 51.2350% | 983 |
| Efficiency ratio | 59.1225% | 5,015 |
| Assets per employee ($millions) | 7.8420% | 605 |
| Cash dividends to net income (ytd only)* | 33.7750% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 4,420 |
| Loan loss allowance to noncurrent loans | 688.3433% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 5,084 |
| Noncurrent loans to loans | 0.1501% | 4,895 |
| Net loans and leases to total assets | 70.7127% | 2,262 |
| Net loans and leases to deposits | 82.9224% | 2,484 |
| Net loans and leases to core deposits | 86.9934% | 2,698 |
| Total domestic deposits to total assets | 85.2757% | 2,961 |
| Equity capital to assets | 10.6211% | 3,216 |
| Core capital (leverage) ratio | 10.4498% | 2,987 |
| Tier 1 risk-based capital ratio | 12.1842% | 4,833 |
| Total risk-based capital ratio | 13.1107% | 4,949 |
| Memoranda: | ||
| Average total assets | $1,879,287,000 | 394 |
| Average earning assets | $1,760,879,000 | 385 |
| Average equity | $208,238,600 | 401 |
| Average total loans | $1,372,693,600 | 372 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 3,075 |
| Cost of funding earning assets | 0.1073% | 6,032 |
| Net interest margin | 3.9596% | 1,845 |
| Noninterest income to average assets | 0.4484% | 3,727 |
| Noninterest expense to average assets | 2.5427% | 4,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0173% | 2,385 |
| Return on assets (ROA) | 1.0210% | 2,465 |
| Pretax return on assets | 1.6099% | 1,352 |
| Return on Equity (ROE) | 9.1097% | 2,522 |
| Retained earnings to average equity (ytd only) | 4.9102% | 2,979 |
| Net charge-offs to loans | 0.0633% | 2,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 34.5062% | 1,371 |
| Efficiency ratio | 60.5074% | 4,813 |
| Assets per employee ($millions) | 7.3244% | 743 |
| Cash dividends to net income (ytd only)* | 46.0993% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0605% | 4,423 |
| Loan loss allowance to noncurrent loans | 528.0131% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 5,085 |
| Noncurrent loans to loans | 0.2009% | 4,842 |
| Net loans and leases to total assets | 71.6513% | 2,113 |
| Net loans and leases to deposits | 82.1978% | 2,624 |
| Net loans and leases to core deposits | 86.0015% | 2,852 |
| Total domestic deposits to total assets | 87.1693% | 1,949 |
| Equity capital to assets | 11.2374% | 2,764 |
| Core capital (leverage) ratio | 10.6453% | 2,883 |
| Tier 1 risk-based capital ratio | 12.6528% | 4,644 |
| Total risk-based capital ratio | 13.6254% | 4,746 |
| Memoranda: | ||
| Average total assets | $1,841,339,500 | 402 |
| Average earning assets | $1,719,863,500 | 392 |
| Average equity | $206,367,750 | 410 |
| Average total loans | $1,353,060,000 | 379 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 3,200 |
| Cost of funding earning assets | 0.1090% | 6,095 |
| Net interest margin | 3.9117% | 1,935 |
| Noninterest income to average assets | 0.5236% | 3,206 |
| Noninterest expense to average assets | 2.5921% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0003% | 2,392 |
| Return on assets (ROA) | 1.0008% | 2,494 |
| Pretax return on assets | 1.5733% | 1,417 |
| Return on Equity (ROE) | 8.9383% | 2,583 |
| Retained earnings to average equity (ytd only) | 5.5178% | 2,525 |
| Net charge-offs to loans | 0.1104% | 1,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.2872% | 1,755 |
| Efficiency ratio | 61.4305% | 4,763 |
| Assets per employee ($millions) | 7.1660% | 774 |
| Cash dividends to net income (ytd only)* | 38.2681% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 4,477 |
| Loan loss allowance to noncurrent loans | 203.0843% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4004% | 4,301 |
| Noncurrent loans to loans | 0.5278% | 3,874 |
| Net loans and leases to total assets | 70.8351% | 2,189 |
| Net loans and leases to deposits | 81.0566% | 2,659 |
| Net loans and leases to core deposits | 84.2495% | 2,958 |
| Total domestic deposits to total assets | 87.3897% | 1,969 |
| Equity capital to assets | 11.1356% | 2,736 |
| Core capital (leverage) ratio | 10.8281% | 2,583 |
| Tier 1 risk-based capital ratio | 12.8436% | 4,598 |
| Total risk-based capital ratio | 13.8155% | 4,681 |
| Memoranda: | ||
| Average total assets | $1,827,662,330 | 406 |
| Average earning assets | $1,701,108,000 | 399 |
| Average equity | $204,647,330 | 414 |
| Average total loans | $1,349,680,000 | 380 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0845% | 2,899 |
| Cost of funding earning assets | 0.1115% | 6,150 |
| Net interest margin | 3.9730% | 1,647 |
| Noninterest income to average assets | 0.4827% | 3,401 |
| Noninterest expense to average assets | 2.5800% | 3,998 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0255% | 2,143 |
| Return on assets (ROA) | 1.0266% | 2,288 |
| Pretax return on assets | 1.6050% | 1,260 |
| Return on Equity (ROE) | 9.1424% | 2,385 |
| Retained earnings to average equity (ytd only) | 2.2403% | 4,563 |
| Net charge-offs to loans | -0.0168% | 4,961 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8544% | 4,982 |
| Assets per employee ($millions) | 6.8384% | 921 |
| Cash dividends to net income (ytd only)* | 75.4961% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 4,394 |
| Loan loss allowance to noncurrent loans | 159.8397% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 3,872 |
| Noncurrent loans to loans | 0.7042% | 3,515 |
| Net loans and leases to total assets | 72.9152% | 1,670 |
| Net loans and leases to deposits | 83.7079% | 2,119 |
| Net loans and leases to core deposits | 87.0626% | 2,424 |
| Total domestic deposits to total assets | 87.1067% | 2,314 |
| Equity capital to assets | 11.1761% | 2,781 |
| Core capital (leverage) ratio | 10.7604% | 2,673 |
| Tier 1 risk-based capital ratio | 12.4459% | 4,949 |
| Total risk-based capital ratio | 13.4719% | 5,007 |
| Memoranda: | ||
| Average total assets | $1,806,328,500 | 409 |
| Average earning assets | $1,682,476,000 | 401 |
| Average equity | $202,834,500 | 415 |
| Average total loans | $1,354,917,500 | 377 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 2,491 |
| Cost of funding earning assets | 0.1147% | 6,276 |
| Net interest margin | 4.2167% | 1,252 |
| Noninterest income to average assets | 0.4965% | 3,539 |
| Noninterest expense to average assets | 2.5742% | 4,310 |
| Loan and lease loss provision to assets | 0.0416% | 3,746 |
| Net operating income to assets | 1.1343% | 1,842 |
| Return on assets (ROA) | 1.1372% | 1,897 |
| Pretax return on assets | 1.8154% | 769 |
| Return on Equity (ROE) | 10.8171% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.8171% | 396 |
| Net charge-offs to loans | -0.0095% | 5,545 |
| Credit loss provision to net charge-offs | -600.0000% | 5,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1847% | 5,547 |
| Assets per employee ($millions) | 6.8723% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 4,501 |
| Loan loss allowance to noncurrent loans | 161.4866% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 3,967 |
| Noncurrent loans to loans | 0.6858% | 3,628 |
| Net loans and leases to total assets | 75.4563% | 1,346 |
| Net loans and leases to deposits | 86.7005% | 1,885 |
| Net loans and leases to core deposits | 89.4230% | 2,342 |
| Total domestic deposits to total assets | 87.0309% | 2,266 |
| Equity capital to assets | 11.2833% | 2,616 |
| Core capital (leverage) ratio | 10.4211% | 3,038 |
| Tier 1 risk-based capital ratio | 12.6320% | 4,956 |
| Total risk-based capital ratio | 13.7011% | 4,985 |
| Memoranda: | ||
| Average total assets | $1,802,976,000 | 403 |
| Average earning assets | $1,680,535,600 | 388 |
| Average equity | $189,543,000 | 423 |
| Average total loans | $1,322,031,800 | 361 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 2,376 |
| Cost of funding earning assets | 0.1151% | 6,357 |
| Net interest margin | 4.2481% | 1,161 |
| Noninterest income to average assets | 0.5006% | 3,541 |
| Noninterest expense to average assets | 2.5810% | 4,256 |
| Loan and lease loss provision to assets | 0.0553% | 3,265 |
| Net operating income to assets | 1.1500% | 1,866 |
| Return on assets (ROA) | 1.1544% | 1,909 |
| Pretax return on assets | 1.8271% | 838 |
| Return on Equity (ROE) | 11.1838% | 1,720 |
| Retained earnings to average equity (ytd only) | 11.1838% | 489 |
| Net charge-offs to loans | -0.0076% | 5,372 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9570% | 5,564 |
| Assets per employee ($millions) | 7.0127% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 4,718 |
| Loan loss allowance to noncurrent loans | 152.9681% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.5714% | 4,135 |
| Noncurrent loans to loans | 0.7229% | 3,798 |
| Net loans and leases to total assets | 74.6800% | 1,415 |
| Net loans and leases to deposits | 85.3885% | 1,982 |
| Net loans and leases to core deposits | 87.9966% | 2,433 |
| Total domestic deposits to total assets | 87.4590% | 2,052 |
| Equity capital to assets | 10.8633% | 3,109 |
| Core capital (leverage) ratio | 10.0401% | 3,619 |
| Tier 1 risk-based capital ratio | 12.2220% | 5,350 |
| Total risk-based capital ratio | 13.2617% | 5,393 |
| Memoranda: | ||
| Average total assets | $1,807,020,250 | 399 |
| Average earning assets | $1,682,765,250 | 385 |
| Average equity | $186,526,500 | 425 |
| Average total loans | $1,311,702,000 | 363 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 2,197 |
| Cost of funding earning assets | 0.1167% | 6,426 |
| Net interest margin | 4.2765% | 1,076 |
| Noninterest income to average assets | 0.4965% | 3,503 |
| Noninterest expense to average assets | 2.6322% | 4,125 |
| Loan and lease loss provision to assets | 0.0829% | 2,647 |
| Net operating income to assets | 1.1115% | 1,893 |
| Return on assets (ROA) | 1.1178% | 1,941 |
| Pretax return on assets | 1.7698% | 897 |
| Return on Equity (ROE) | 11.0205% | 1,738 |
| Retained earnings to average equity (ytd only) | 11.0205% | 538 |
| Net charge-offs to loans | 0.0114% | 4,024 |
| Credit loss provision to net charge-offs | 1,013.5135% | 320 |
| Earnings coverage of net charge-offs (x) | 225.2027% | 302 |
| Efficiency ratio | 57.8655% | 5,571 |
| Assets per employee ($millions) | 6.9336% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 4,846 |
| Loan loss allowance to noncurrent loans | 146.8125% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.5818% | 4,239 |
| Noncurrent loans to loans | 0.7582% | 3,807 |
| Net loans and leases to total assets | 72.5853% | 1,636 |
| Net loans and leases to deposits | 82.4833% | 2,195 |
| Net loans and leases to core deposits | 85.0683% | 2,606 |
| Total domestic deposits to total assets | 87.9999% | 1,900 |
| Equity capital to assets | 10.4022% | 3,556 |
| Core capital (leverage) ratio | 9.8842% | 3,769 |
| Tier 1 risk-based capital ratio | 11.9814% | 5,552 |
| Total risk-based capital ratio | 13.0268% | 5,589 |
| Memoranda: | ||
| Average total assets | $1,808,603,000 | 396 |
| Average earning assets | $1,682,590,000 | 381 |
| Average equity | $183,439,670 | 428 |
| Average total loans | $1,295,274,330 | 362 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4087% | 2,107 |
| Cost of funding earning assets | 0.1203% | 6,495 |
| Net interest margin | 4.2884% | 1,021 |
| Noninterest income to average assets | 0.4930% | 3,470 |
| Noninterest expense to average assets | 2.8024% | 3,556 |
| Loan and lease loss provision to assets | 0.0333% | 3,383 |
| Net operating income to assets | 1.0496% | 2,009 |
| Return on assets (ROA) | 1.0484% | 2,080 |
| Pretax return on assets | 1.6527% | 1,068 |
| Return on Equity (ROE) | 10.4727% | 1,878 |
| Retained earnings to average equity (ytd only) | 10.4727% | 850 |
| Net charge-offs to loans | 0.0446% | 2,759 |
| Credit loss provision to net charge-offs | 105.6338% | 1,585 |
| Earnings coverage of net charge-offs (x) | 53.5211% | 720 |
| Efficiency ratio | 61.4570% | 5,208 |
| Assets per employee ($millions) | 6.4890% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 5,062 |
| Loan loss allowance to noncurrent loans | 140.9248% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5875% | 4,386 |
| Noncurrent loans to loans | 0.7902% | 3,893 |
| Net loans and leases to total assets | 70.3081% | 1,836 |
| Net loans and leases to deposits | 79.8064% | 2,319 |
| Net loans and leases to core deposits | 82.2180% | 2,716 |
| Total domestic deposits to total assets | 88.0983% | 2,176 |
| Equity capital to assets | 10.2147% | 3,579 |
| Core capital (leverage) ratio | 9.5265% | 4,242 |
| Tier 1 risk-based capital ratio | 11.9620% | 5,669 |
| Total risk-based capital ratio | 12.9953% | 5,725 |
| Memoranda: | ||
| Average total assets | $1,801,141,500 | 396 |
| Average earning assets | $1,678,845,500 | 386 |
| Average equity | $180,316,000 | 434 |
| Average total loans | $1,273,656,000 | 365 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 3,130 |
| Cost of funding earning assets | 0.1230% | 6,629 |
| Net interest margin | 4.1327% | 1,561 |
| Noninterest income to average assets | 0.5322% | 3,539 |
| Noninterest expense to average assets | 2.8224% | 3,643 |
| Loan and lease loss provision to assets | 0.0356% | 4,407 |
| Net operating income to assets | 1.0052% | 2,308 |
| Return on assets (ROA) | 1.0051% | 2,371 |
| Pretax return on assets | 1.5542% | 1,286 |
| Return on Equity (ROE) | 9.6169% | 2,277 |
| Retained earnings to average equity (ytd only) | -8.0577% | 6,497 |
| Net charge-offs to loans | -0.0021% | 5,853 |
| Credit loss provision to net charge-offs | -2,347.8261% | 6,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8635% | 4,923 |
| Assets per employee ($millions) | 6.4229% | 1,024 |
| Cash dividends to net income (ytd only)* | 183.7873% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,049 |
| Loan loss allowance to noncurrent loans | 121.8017% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 4,225 |
| Noncurrent loans to loans | 0.9200% | 3,687 |
| Net loans and leases to total assets | 69.5412% | 2,091 |
| Net loans and leases to deposits | 78.6479% | 2,641 |
| Net loans and leases to core deposits | 81.0724% | 2,998 |
| Total domestic deposits to total assets | 88.4209% | 1,940 |
| Equity capital to assets | 9.8086% | 4,029 |
| Core capital (leverage) ratio | 10.2435% | 3,223 |
| Tier 1 risk-based capital ratio | 11.4831% | 5,913 |
| Total risk-based capital ratio | 12.5078% | 5,987 |
| Memoranda: | ||
| Average total assets | $1,515,702,800 | 453 |
| Average earning assets | $1,423,043,400 | 433 |
| Average equity | $158,419,400 | 475 |
| Average total loans | $1,119,888,400 | 394 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3703% | 2,689 |
| Cost of funding earning assets | 0.1267% | 6,711 |
| Net interest margin | 4.2436% | 1,213 |
| Noninterest income to average assets | 0.5577% | 3,407 |
| Noninterest expense to average assets | 2.7072% | 3,995 |
| Loan and lease loss provision to assets | 0.0360% | 4,298 |
| Net operating income to assets | 1.1525% | 1,799 |
| Return on assets (ROA) | 1.1504% | 1,887 |
| Pretax return on assets | 1.7964% | 918 |
| Return on Equity (ROE) | 10.7987% | 1,886 |
| Retained earnings to average equity (ytd only) | 6.4633% | 2,155 |
| Net charge-offs to loans | 0.0299% | 4,532 |
| Credit loss provision to net charge-offs | 160.4938% | 1,471 |
| Earnings coverage of net charge-offs (x) | 81.7824% | 579 |
| Efficiency ratio | 59.5921% | 5,484 |
| Assets per employee ($millions) | 6.3398% | 1,010 |
| Cash dividends to net income (ytd only)* | 40.1477% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,577 |
| Loan loss allowance to noncurrent loans | 79.8335% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1659% | 3,323 |
| Noncurrent loans to loans | 1.5826% | 2,794 |
| Net loans and leases to total assets | 72.7360% | 1,497 |
| Net loans and leases to deposits | 83.3087% | 1,963 |
| Net loans and leases to core deposits | 86.3634% | 2,366 |
| Total domestic deposits to total assets | 87.3090% | 2,503 |
| Equity capital to assets | 10.7046% | 3,064 |
| Core capital (leverage) ratio | 10.6542% | 2,834 |
| Tier 1 risk-based capital ratio | 12.7342% | 5,304 |
| Total risk-based capital ratio | 13.8929% | 5,311 |
| Memoranda: | ||
| Average total assets | $1,443,421,750 | 468 |
| Average earning assets | $1,355,518,000 | 454 |
| Average equity | $153,767,250 | 486 |
| Average total loans | $1,082,530,000 | 404 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 2,377 |
| Cost of funding earning assets | 0.1276% | 6,760 |
| Net interest margin | 4.3241% | 989 |
| Noninterest income to average assets | 0.5664% | 3,406 |
| Noninterest expense to average assets | 2.7382% | 3,897 |
| Loan and lease loss provision to assets | 0.1217% | 2,802 |
| Net operating income to assets | 1.1511% | 1,740 |
| Return on assets (ROA) | 1.1511% | 1,856 |
| Pretax return on assets | 1.7764% | 972 |
| Return on Equity (ROE) | 10.8239% | 1,872 |
| Retained earnings to average equity (ytd only) | 4.2488% | 3,590 |
| Net charge-offs to loans | 0.0322% | 4,235 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 582 |
| Efficiency ratio | 59.0601% | 5,596 |
| Assets per employee ($millions) | 5.8785% | 1,290 |
| Cash dividends to net income (ytd only)* | 60.7460% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 4,428 |
| Loan loss allowance to noncurrent loans | 77.6558% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.2943% | 3,183 |
| Noncurrent loans to loans | 1.6938% | 2,773 |
| Net loans and leases to total assets | 75.4043% | 1,052 |
| Net loans and leases to deposits | 87.6788% | 1,383 |
| Net loans and leases to core deposits | 90.9959% | 1,811 |
| Total domestic deposits to total assets | 86.0006% | 3,368 |
| Equity capital to assets | 10.7991% | 2,942 |
| Core capital (leverage) ratio | 10.8457% | 2,506 |
| Tier 1 risk-based capital ratio | 12.4980% | 5,503 |
| Total risk-based capital ratio | 13.7123% | 5,471 |
| Memoranda: | ||
| Average total assets | $1,430,060,330 | 470 |
| Average earning assets | $1,345,999,000 | 456 |
| Average equity | $152,088,670 | 489 |
| Average total loans | $1,079,089,670 | 400 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5183% | 2,102 |
| Cost of funding earning assets | 0.1288% | 6,843 |
| Net interest margin | 4.3895% | 818 |
| Noninterest income to average assets | 0.5887% | 3,199 |
| Noninterest expense to average assets | 2.6613% | 4,207 |
| Loan and lease loss provision to assets | -0.0643% | 6,802 |
| Net operating income to assets | 1.3885% | 1,054 |
| Return on assets (ROA) | 1.3885% | 1,137 |
| Pretax return on assets | 2.1280% | 466 |
| Return on Equity (ROE) | 13.1574% | 1,132 |
| Retained earnings to average equity (ytd only) | -0.0874% | 5,791 |
| Net charge-offs to loans | -0.0011% | 5,148 |
| Credit loss provision to net charge-offs | 7,666.6667% | 29 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3247% | 6,029 |
| Assets per employee ($millions) | 5.9211% | 1,319 |
| Cash dividends to net income (ytd only)* | 100.6644% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 4,926 |
| Loan loss allowance to noncurrent loans | 87.8556% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.0716% | 3,787 |
| Noncurrent loans to loans | 1.4266% | 3,430 |
| Net loans and leases to total assets | 74.1701% | 1,052 |
| Net loans and leases to deposits | 85.5643% | 1,413 |
| Net loans and leases to core deposits | 89.1087% | 1,796 |
| Total domestic deposits to total assets | 86.6835% | 3,137 |
| Equity capital to assets | 10.6209% | 3,407 |
| Core capital (leverage) ratio | 10.5022% | 2,772 |
| Tier 1 risk-based capital ratio | 12.3673% | 5,665 |
| Total risk-based capital ratio | 13.5211% | 5,693 |
| Memoranda: | ||
| Average total assets | $1,430,857,500 | 471 |
| Average earning assets | $1,348,298,000 | 455 |
| Average equity | $151,002,000 | 496 |
| Average total loans | $1,072,893,500 | 406 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 1,601 |
| Cost of funding earning assets | 0.1953% | 6,847 |
| Net interest margin | 4.7904% | 549 |
| Noninterest income to average assets | 0.5038% | 3,871 |
| Noninterest expense to average assets | 2.6778% | 4,479 |
| Loan and lease loss provision to assets | 0.2045% | 3,102 |
| Net operating income to assets | 1.2870% | 1,344 |
| Return on assets (ROA) | 1.2855% | 1,495 |
| Pretax return on assets | 2.0745% | 519 |
| Return on Equity (ROE) | 12.8897% | 1,257 |
| Retained earnings to average equity (ytd only) | 10.9808% | 443 |
| Net charge-offs to loans | 0.3746% | 2,758 |
| Credit loss provision to net charge-offs | 74.7808% | 4,017 |
| Earnings coverage of net charge-offs (x) | 8.3437% | 2,426 |
| Efficiency ratio | 53.9965% | 6,269 |
| Assets per employee ($millions) | 6.0282% | 1,260 |
| Cash dividends to net income (ytd only)* | 14.8091% | 3,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2720% | 4,770 |
| Loan loss allowance to noncurrent loans | 77.3907% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 1.2303% | 3,595 |
| Noncurrent loans to loans | 1.6436% | 3,156 |
| Net loans and leases to total assets | 73.9021% | 1,205 |
| Net loans and leases to deposits | 84.5108% | 1,695 |
| Net loans and leases to core deposits | 88.5865% | 2,020 |
| Total domestic deposits to total assets | 87.4470% | 2,554 |
| Equity capital to assets | 10.4860% | 3,542 |
| Core capital (leverage) ratio | 10.2043% | 3,131 |
| Tier 1 risk-based capital ratio | 12.4108% | 5,535 |
| Total risk-based capital ratio | 13.5954% | 5,522 |
| Memoranda: | ||
| Average total assets | $1,418,283,800 | 475 |
| Average earning assets | $1,319,083,600 | 460 |
| Average equity | $141,446,600 | 515 |
| Average total loans | $1,035,243,400 | 413 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0348% | 1,598 |
| Cost of funding earning assets | 0.2107% | 6,929 |
| Net interest margin | 4.8242% | 543 |
| Noninterest income to average assets | 0.5026% | 3,914 |
| Noninterest expense to average assets | 2.6924% | 4,397 |
| Loan and lease loss provision to assets | 0.2074% | 3,001 |
| Net operating income to assets | 1.2689% | 1,517 |
| Return on assets (ROA) | 1.2669% | 1,683 |
| Pretax return on assets | 2.0684% | 608 |
| Return on Equity (ROE) | 12.8706% | 1,373 |
| Retained earnings to average equity (ytd only) | 10.2844% | 838 |
| Net charge-offs to loans | 0.4810% | 2,174 |
| Credit loss provision to net charge-offs | 59.4595% | 4,154 |
| Earnings coverage of net charge-offs (x) | 6.5332% | 2,765 |
| Efficiency ratio | 54.1570% | 6,236 |
| Assets per employee ($millions) | 6.1336% | 1,166 |
| Cash dividends to net income (ytd only)* | 20.0938% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 4,833 |
| Loan loss allowance to noncurrent loans | 68.3184% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.3400% | 3,620 |
| Noncurrent loans to loans | 1.8972% | 2,967 |
| Net loans and leases to total assets | 69.7134% | 1,968 |
| Net loans and leases to deposits | 79.3298% | 2,496 |
| Net loans and leases to core deposits | 84.3870% | 2,653 |
| Total domestic deposits to total assets | 87.8780% | 2,113 |
| Equity capital to assets | 10.0979% | 4,356 |
| Core capital (leverage) ratio | 9.9326% | 3,645 |
| Tier 1 risk-based capital ratio | 12.5892% | 5,576 |
| Total risk-based capital ratio | 13.7935% | 5,572 |
| Memoranda: | ||
| Average total assets | $1,414,174,000 | 476 |
| Average earning assets | $1,310,011,750 | 463 |
| Average equity | $139,197,000 | 521 |
| Average total loans | $1,025,566,250 | 416 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1977% | 1,259 |
| Cost of funding earning assets | 0.2130% | 7,005 |
| Net interest margin | 4.9847% | 415 |
| Noninterest income to average assets | 0.5016% | 3,914 |
| Noninterest expense to average assets | 2.7186% | 4,331 |
| Loan and lease loss provision to assets | 0.0142% | 5,482 |
| Net operating income to assets | 1.4413% | 1,105 |
| Return on assets (ROA) | 1.4382% | 1,246 |
| Pretax return on assets | 2.3807% | 361 |
| Return on Equity (ROE) | 14.7415% | 978 |
| Retained earnings to average equity (ytd only) | 10.8081% | 781 |
| Net charge-offs to loans | 0.2533% | 3,063 |
| Credit loss provision to net charge-offs | 7.6687% | 4,760 |
| Earnings coverage of net charge-offs (x) | 12.9479% | 1,837 |
| Efficiency ratio | 53.1143% | 6,405 |
| Assets per employee ($millions) | 6.0644% | 1,196 |
| Cash dividends to net income (ytd only)* | 26.6825% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3105% | 4,852 |
| Loan loss allowance to noncurrent loans | 93.6367% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 1.0198% | 4,339 |
| Noncurrent loans to loans | 1.3995% | 3,822 |
| Net loans and leases to total assets | 71.9123% | 1,571 |
| Net loans and leases to deposits | 81.9802% | 2,113 |
| Net loans and leases to core deposits | 86.5959% | 2,350 |
| Total domestic deposits to total assets | 87.7191% | 2,327 |
| Equity capital to assets | 10.0126% | 4,317 |
| Core capital (leverage) ratio | 9.7751% | 3,748 |
| Tier 1 risk-based capital ratio | 12.0124% | 5,925 |
| Total risk-based capital ratio | 13.6462% | 5,638 |
| Memoranda: | ||
| Average total assets | $1,407,144,330 | 476 |
| Average earning assets | $1,303,265,670 | 467 |
| Average equity | $137,285,670 | 522 |
| Average total loans | $1,029,518,330 | 413 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 1,339 |
| Cost of funding earning assets | 0.2243% | 7,066 |
| Net interest margin | 4.9654% | 422 |
| Noninterest income to average assets | 0.4929% | 3,958 |
| Noninterest expense to average assets | 2.7461% | 4,261 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4398% | 1,141 |
| Return on assets (ROA) | 1.4329% | 1,301 |
| Pretax return on assets | 2.3410% | 427 |
| Return on Equity (ROE) | 14.8819% | 993 |
| Retained earnings to average equity (ytd only) | 14.8819% | 458 |
| Net charge-offs to loans | 0.4331% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 7.4073% | 2,081 |
| Efficiency ratio | 53.8667% | 6,365 |
| Assets per employee ($millions) | 6.0998% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 4,973 |
| Loan loss allowance to noncurrent loans | 93.8572% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 1.0137% | 4,461 |
| Noncurrent loans to loans | 1.3957% | 4,016 |
| Net loans and leases to total assets | 71.6756% | 1,458 |
| Net loans and leases to deposits | 81.6621% | 1,978 |
| Net loans and leases to core deposits | 86.5077% | 2,228 |
| Total domestic deposits to total assets | 87.7709% | 2,487 |
| Equity capital to assets | 9.7258% | 4,486 |
| Core capital (leverage) ratio | 9.6865% | 3,784 |
| Tier 1 risk-based capital ratio | 11.7923% | 6,092 |
| Total risk-based capital ratio | 13.4378% | 5,809 |
| Memoranda: | ||
| Average total assets | $1,407,249,500 | 474 |
| Average earning assets | $1,305,121,000 | 463 |
| Average equity | $135,493,500 | 527 |
| Average total loans | $1,031,680,500 | 409 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6607% | 848 |
| Cost of funding earning assets | 0.4337% | 6,789 |
| Net interest margin | 5.2270% | 270 |
| Noninterest income to average assets | 0.4755% | 4,026 |
| Noninterest expense to average assets | 2.8470% | 4,176 |
| Loan and lease loss provision to assets | 0.5347% | 1,964 |
| Net operating income to assets | 1.2183% | 1,468 |
| Return on assets (ROA) | 1.2183% | 1,571 |
| Pretax return on assets | 1.9344% | 619 |
| Return on Equity (ROE) | 12.9326% | 1,182 |
| Retained earnings to average equity (ytd only) | 12.9326% | 233 |
| Net charge-offs to loans | 0.4870% | 3,046 |
| Credit loss provision to net charge-offs | 146.7833% | 1,949 |
| Earnings coverage of net charge-offs (x) | 6.7776% | 2,450 |
| Efficiency ratio | 52.5197% | 6,661 |
| Assets per employee ($millions) | 6.0054% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 4,373 |
| Loan loss allowance to noncurrent loans | 122.2872% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 4,906 |
| Noncurrent loans to loans | 1.1609% | 4,430 |
| Net loans and leases to total assets | 72.9597% | 1,460 |
| Net loans and leases to deposits | 84.2888% | 1,884 |
| Net loans and leases to core deposits | 91.1390% | 1,972 |
| Total domestic deposits to total assets | 86.5592% | 3,005 |
| Equity capital to assets | 9.5287% | 4,837 |
| Core capital (leverage) ratio | 9.3343% | 4,279 |
| Tier 1 risk-based capital ratio | 11.2162% | 6,340 |
| Total risk-based capital ratio | 12.8943% | 6,048 |
| Memoranda: | ||
| Average total assets | $1,318,422,800 | 494 |
| Average earning assets | $1,220,939,800 | 487 |
| Average equity | $124,205,600 | 555 |
| Average total loans | $986,156,200 | 427 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8104% | 688 |
| Cost of funding earning assets | 0.4816% | 6,778 |
| Net interest margin | 5.3288% | 234 |
| Noninterest income to average assets | 0.4868% | 3,979 |
| Noninterest expense to average assets | 2.8713% | 4,052 |
| Loan and lease loss provision to assets | 0.4668% | 2,118 |
| Net operating income to assets | 1.2828% | 1,427 |
| Return on assets (ROA) | 1.2828% | 1,525 |
| Pretax return on assets | 2.0831% | 539 |
| Return on Equity (ROE) | 13.6588% | 1,122 |
| Retained earnings to average equity (ytd only) | 13.6588% | 317 |
| Net charge-offs to loans | 0.5085% | 2,726 |
| Credit loss provision to net charge-offs | 122.3776% | 2,646 |
| Earnings coverage of net charge-offs (x) | 6.6853% | 2,508 |
| Efficiency ratio | 52.9085% | 6,603 |
| Assets per employee ($millions) | 6.0030% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 4,861 |
| Loan loss allowance to noncurrent loans | 123.1285% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7992% | 5,172 |
| Noncurrent loans to loans | 1.0820% | 4,747 |
| Net loans and leases to total assets | 71.8739% | 1,736 |
| Net loans and leases to deposits | 82.9698% | 2,180 |
| Net loans and leases to core deposits | 88.3781% | 2,440 |
| Total domestic deposits to total assets | 86.6266% | 2,870 |
| Equity capital to assets | 9.4760% | 5,121 |
| Core capital (leverage) ratio | 9.3168% | 4,426 |
| Tier 1 risk-based capital ratio | 11.2895% | 6,370 |
| Total risk-based capital ratio | 12.9602% | 6,096 |
| Memoranda: | ||
| Average total assets | $1,299,714,750 | 508 |
| Average earning assets | $1,203,517,000 | 499 |
| Average equity | $122,067,250 | 572 |
| Average total loans | $974,906,750 | 433 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9378% | 536 |
| Cost of funding earning assets | 0.3950% | 7,135 |
| Net interest margin | 5.5428% | 167 |
| Noninterest income to average assets | 0.4974% | 3,879 |
| Noninterest expense to average assets | 2.9282% | 3,910 |
| Loan and lease loss provision to assets | 0.6334% | 1,516 |
| Net operating income to assets | 1.2797% | 1,371 |
| Return on assets (ROA) | 1.2797% | 1,438 |
| Pretax return on assets | 2.0783% | 511 |
| Return on Equity (ROE) | 13.6693% | 1,056 |
| Retained earnings to average equity (ytd only) | 13.6693% | 342 |
| Net charge-offs to loans | 0.5205% | 2,539 |
| Credit loss provision to net charge-offs | 160.5868% | 1,890 |
| Earnings coverage of net charge-offs (x) | 6.8747% | 2,319 |
| Efficiency ratio | 51.8691% | 6,797 |
| Assets per employee ($millions) | 5.6668% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4109% | 4,514 |
| Loan loss allowance to noncurrent loans | 115.5378% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 5,065 |
| Noncurrent loans to loans | 1.2211% | 4,621 |
| Net loans and leases to total assets | 72.7336% | 1,641 |
| Net loans and leases to deposits | 85.0495% | 1,940 |
| Net loans and leases to core deposits | 90.7575% | 2,289 |
| Total domestic deposits to total assets | 85.5191% | 3,614 |
| Equity capital to assets | 9.2909% | 5,150 |
| Core capital (leverage) ratio | 9.2139% | 4,379 |
| Tier 1 risk-based capital ratio | 10.8774% | 6,616 |
| Total risk-based capital ratio | 12.5737% | 6,294 |
| Memoranda: | ||
| Average total assets | $1,278,723,000 | 518 |
| Average earning assets | $1,186,404,330 | 507 |
| Average equity | $119,713,670 | 587 |
| Average total loans | $968,994,670 | 445 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8973% | 603 |
| Cost of funding earning assets | 0.4166% | 7,190 |
| Net interest margin | 5.4807% | 170 |
| Noninterest income to average assets | 0.5119% | 3,786 |
| Noninterest expense to average assets | 2.8676% | 4,203 |
| Loan and lease loss provision to assets | 0.3362% | 2,543 |
| Net operating income to assets | 1.4759% | 919 |
| Return on assets (ROA) | 1.4759% | 961 |
| Pretax return on assets | 2.3919% | 291 |
| Return on Equity (ROE) | 15.7012% | 711 |
| Retained earnings to average equity (ytd only) | 15.7012% | 337 |
| Net charge-offs to loans | 0.1554% | 3,552 |
| Credit loss provision to net charge-offs | 281.5013% | 1,128 |
| Earnings coverage of net charge-offs (x) | 22.8445% | 1,039 |
| Efficiency ratio | 51.2130% | 6,906 |
| Assets per employee ($millions) | 5.6361% | 1,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 4,968 |
| Loan loss allowance to noncurrent loans | 118.5935% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 5,196 |
| Noncurrent loans to loans | 1.1257% | 4,821 |
| Net loans and leases to total assets | 74.8357% | 1,214 |
| Net loans and leases to deposits | 88.2767% | 1,434 |
| Net loans and leases to core deposits | 94.7513% | 1,798 |
| Total domestic deposits to total assets | 84.7740% | 4,137 |
| Equity capital to assets | 9.2738% | 4,775 |
| Core capital (leverage) ratio | 9.3204% | 4,094 |
| Tier 1 risk-based capital ratio | 10.7450% | 6,671 |
| Total risk-based capital ratio | 12.4361% | 6,335 |
| Memoranda: | ||
| Average total assets | $1,249,401,500 | 535 |
| Average earning assets | $1,158,898,500 | 522 |
| Average equity | $117,443,500 | 591 |
| Average total loans | $960,175,000 | 453 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5642% | 2,033 |
| Cost of funding earning assets | 0.5847% | 7,155 |
| Net interest margin | 4.9794% | 452 |
| Noninterest income to average assets | 0.4674% | 4,395 |
| Noninterest expense to average assets | 2.7647% | 4,728 |
| Loan and lease loss provision to assets | 0.4531% | 3,406 |
| Net operating income to assets | 1.1828% | 1,451 |
| Return on assets (ROA) | 1.1828% | 1,528 |
| Pretax return on assets | 1.9002% | 608 |
| Return on Equity (ROE) | 12.7572% | 1,157 |
| Retained earnings to average equity (ytd only) | 10.0167% | 523 |
| Net charge-offs to loans | 0.3839% | 4,116 |
| Credit loss provision to net charge-offs | 149.6085% | 2,423 |
| Earnings coverage of net charge-offs (x) | 7.7699% | 2,067 |
| Efficiency ratio | 54.0189% | 6,806 |
| Assets per employee ($millions) | 5.9514% | 1,241 |
| Cash dividends to net income (ytd only)* | 21.4823% | 3,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,917 |
| Loan loss allowance to noncurrent loans | 95.8762% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.0698% | 4,865 |
| Noncurrent loans to loans | 1.3730% | 4,426 |
| Net loans and leases to total assets | 76.8961% | 1,110 |
| Net loans and leases to deposits | 90.8575% | 1,416 |
| Net loans and leases to core deposits | 101.1159% | 1,527 |
| Total domestic deposits to total assets | 84.6337% | 4,040 |
| Equity capital to assets | 9.5348% | 4,360 |
| Core capital (leverage) ratio | 9.3602% | 3,910 |
| Tier 1 risk-based capital ratio | 10.9451% | 6,368 |
| Total risk-based capital ratio | 12.6952% | 5,949 |
| Memoranda: | ||
| Average total assets | $1,180,661,200 | 567 |
| Average earning assets | $1,102,713,800 | 544 |
| Average equity | $109,467,400 | 614 |
| Average total loans | $931,386,200 | 483 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5903% | 2,099 |
| Cost of funding earning assets | 0.6252% | 7,241 |
| Net interest margin | 4.9651% | 476 |
| Noninterest income to average assets | 0.4723% | 4,397 |
| Noninterest expense to average assets | 2.8118% | 4,436 |
| Loan and lease loss provision to assets | 0.4884% | 3,028 |
| Net operating income to assets | 1.1325% | 1,788 |
| Return on assets (ROA) | 1.1325% | 1,902 |
| Pretax return on assets | 1.8121% | 907 |
| Return on Equity (ROE) | 12.3042% | 1,423 |
| Retained earnings to average equity (ytd only) | 12.3042% | 429 |
| Net charge-offs to loans | 0.4155% | 3,628 |
| Credit loss provision to net charge-offs | 148.5320% | 2,629 |
| Earnings coverage of net charge-offs (x) | 6.9959% | 2,405 |
| Efficiency ratio | 55.0003% | 6,685 |
| Assets per employee ($millions) | 6.0058% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 5,056 |
| Loan loss allowance to noncurrent loans | 113.3283% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.8702% | 5,356 |
| Noncurrent loans to loans | 1.1309% | 4,975 |
| Net loans and leases to total assets | 75.9619% | 1,412 |
| Net loans and leases to deposits | 90.1009% | 1,709 |
| Net loans and leases to core deposits | 100.4530% | 1,810 |
| Total domestic deposits to total assets | 84.3076% | 3,957 |
| Equity capital to assets | 9.3469% | 5,052 |
| Core capital (leverage) ratio | 9.2334% | 4,307 |
| Tier 1 risk-based capital ratio | 10.7479% | 6,592 |
| Total risk-based capital ratio | 12.4602% | 6,176 |
| Memoranda: | ||
| Average total assets | $1,173,793,000 | 569 |
| Average earning assets | $1,096,941,500 | 547 |
| Average equity | $108,036,000 | 613 |
| Average total loans | $928,882,750 | 481 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6086% | 2,109 |
| Cost of funding earning assets | 0.6472% | 7,301 |
| Net interest margin | 4.9614% | 459 |
| Noninterest income to average assets | 0.4926% | 4,176 |
| Noninterest expense to average assets | 2.8402% | 4,315 |
| Loan and lease loss provision to assets | 0.5006% | 2,799 |
| Net operating income to assets | 1.1209% | 1,782 |
| Return on assets (ROA) | 1.1209% | 1,849 |
| Pretax return on assets | 1.7928% | 899 |
| Return on Equity (ROE) | 12.2456% | 1,392 |
| Retained earnings to average equity (ytd only) | 12.2456% | 454 |
| Net charge-offs to loans | 0.3770% | 3,476 |
| Credit loss provision to net charge-offs | 166.1891% | 2,370 |
| Earnings coverage of net charge-offs (x) | 7.6138% | 2,271 |
| Efficiency ratio | 55.3262% | 6,724 |
| Assets per employee ($millions) | 5.9874% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 5,162 |
| Loan loss allowance to noncurrent loans | 109.2520% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 5,300 |
| Noncurrent loans to loans | 1.1472% | 5,044 |
| Net loans and leases to total assets | 78.2382% | 1,074 |
| Net loans and leases to deposits | 92.3186% | 1,479 |
| Net loans and leases to core deposits | 104.0450% | 1,634 |
| Total domestic deposits to total assets | 84.7481% | 3,751 |
| Equity capital to assets | 9.3136% | 4,985 |
| Core capital (leverage) ratio | 9.2255% | 4,262 |
| Tier 1 risk-based capital ratio | 10.5182% | 6,671 |
| Total risk-based capital ratio | 12.2216% | 6,255 |
| Memoranda: | ||
| Average total assets | $1,158,664,330 | 574 |
| Average earning assets | $1,083,798,330 | 555 |
| Average equity | $106,063,000 | 622 |
| Average total loans | $925,799,000 | 484 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5554% | 2,345 |
| Cost of funding earning assets | 0.6568% | 7,419 |
| Net interest margin | 4.8986% | 518 |
| Noninterest income to average assets | 0.4712% | 4,287 |
| Noninterest expense to average assets | 2.8172% | 4,426 |
| Loan and lease loss provision to assets | 0.5414% | 2,337 |
| Net operating income to assets | 1.0607% | 1,960 |
| Return on assets (ROA) | 1.0607% | 2,031 |
| Pretax return on assets | 1.6975% | 1,064 |
| Return on Equity (ROE) | 11.6934% | 1,587 |
| Retained earnings to average equity (ytd only) | 11.6934% | 799 |
| Net charge-offs to loans | 0.6616% | 2,168 |
| Credit loss provision to net charge-offs | 101.9737% | 3,337 |
| Earnings coverage of net charge-offs (x) | 4.2171% | 2,670 |
| Efficiency ratio | 55.7198% | 6,805 |
| Assets per employee ($millions) | 5.9327% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,733 |
| Loan loss allowance to noncurrent loans | 93.2726% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.9768% | 5,195 |
| Noncurrent loans to loans | 1.2404% | 4,897 |
| Net loans and leases to total assets | 77.8368% | 1,182 |
| Net loans and leases to deposits | 91.5465% | 1,677 |
| Net loans and leases to core deposits | 102.0209% | 1,905 |
| Total domestic deposits to total assets | 85.0243% | 3,666 |
| Equity capital to assets | 9.0740% | 5,166 |
| Core capital (leverage) ratio | 9.1304% | 4,325 |
| Tier 1 risk-based capital ratio | 10.2503% | 6,842 |
| Total risk-based capital ratio | 11.8708% | 6,511 |
| Memoranda: | ||
| Average total assets | $1,145,242,500 | 594 |
| Average earning assets | $1,071,888,500 | 575 |
| Average equity | $103,888,000 | 639 |
| Average total loans | $919,052,000 | 510 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8759% | 2,348 |
| Cost of funding earning assets | 0.7050% | 7,681 |
| Net interest margin | 5.1709% | 314 |
| Noninterest income to average assets | 0.4743% | 4,620 |
| Noninterest expense to average assets | 2.8351% | 4,816 |
| Loan and lease loss provision to assets | 0.5039% | 3,859 |
| Net operating income to assets | 1.2066% | 1,229 |
| Return on assets (ROA) | 1.2063% | 1,281 |
| Pretax return on assets | 1.9426% | 460 |
| Return on Equity (ROE) | 12.3475% | 1,084 |
| Retained earnings to average equity (ytd only) | -22.9913% | 7,201 |
| Net charge-offs to loans | 0.5310% | 3,658 |
| Credit loss provision to net charge-offs | 113.7960% | 4,815 |
| Earnings coverage of net charge-offs (x) | 5.5254% | 2,568 |
| Efficiency ratio | 53.6743% | 7,261 |
| Assets per employee ($millions) | 5.6369% | 1,525 |
| Cash dividends to net income (ytd only)* | 286.2017% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1570% | 5,604 |
| Loan loss allowance to noncurrent loans | 91.8115% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0310% | 5,042 |
| Noncurrent loans to loans | 1.2601% | 4,832 |
| Net loans and leases to total assets | 80.8675% | 855 |
| Net loans and leases to deposits | 95.3364% | 1,410 |
| Net loans and leases to core deposits | 108.0788% | 3,097 |
| Total domestic deposits to total assets | 84.8233% | 3,636 |
| Equity capital to assets | 9.0684% | 5,035 |
| Core capital (leverage) ratio | 8.7943% | 4,777 |
| Tier 1 risk-based capital ratio | 10.0082% | 6,864 |
| Total risk-based capital ratio | 11.6001% | 6,512 |
| Memoranda: | ||
| Average total assets | $1,093,382,200 | 613 |
| Average earning assets | $1,016,571,600 | 597 |
| Average equity | $106,823,200 | 611 |
| Average total loans | $911,861,800 | 522 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8984% | 2,458 |
| Cost of funding earning assets | 0.7090% | 7,802 |
| Net interest margin | 5.1893% | 306 |
| Noninterest income to average assets | 0.4727% | 4,726 |
| Noninterest expense to average assets | 2.8722% | 4,559 |
| Loan and lease loss provision to assets | 0.3664% | 4,124 |
| Net operating income to assets | 1.2615% | 1,317 |
| Return on assets (ROA) | 1.2608% | 1,381 |
| Pretax return on assets | 2.0415% | 502 |
| Return on Equity (ROE) | 12.6697% | 1,184 |
| Retained earnings to average equity (ytd only) | -25.2580% | 7,491 |
| Net charge-offs to loans | 0.2661% | 4,377 |
| Credit loss provision to net charge-offs | 164.2818% | 2,866 |
| Earnings coverage of net charge-offs (x) | 10.8019% | 1,918 |
| Efficiency ratio | 54.3855% | 7,197 |
| Assets per employee ($millions) | 5.7474% | 1,386 |
| Cash dividends to net income (ytd only)* | 299.3575% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 5,054 |
| Loan loss allowance to noncurrent loans | 183.7990% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.5370% | 6,117 |
| Noncurrent loans to loans | 0.6576% | 5,986 |
| Net loans and leases to total assets | 80.6686% | 1,048 |
| Net loans and leases to deposits | 95.6102% | 1,632 |
| Net loans and leases to core deposits | 108.3453% | 3,431 |
| Total domestic deposits to total assets | 84.3724% | 3,541 |
| Equity capital to assets | 9.4265% | 4,846 |
| Core capital (leverage) ratio | 9.4718% | 3,950 |
| Tier 1 risk-based capital ratio | 10.3367% | 6,639 |
| Total risk-based capital ratio | 11.9696% | 6,201 |
| Memoranda: | ||
| Average total assets | $1,086,290,750 | 629 |
| Average earning assets | $1,006,580,250 | 610 |
| Average equity | $108,097,750 | 615 |
| Average total loans | $910,390,250 | 536 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8721% | 2,705 |
| Cost of funding earning assets | 0.7133% | 7,910 |
| Net interest margin | 5.1588% | 321 |
| Noninterest income to average assets | 0.4716% | 4,699 |
| Noninterest expense to average assets | 2.9448% | 4,314 |
| Loan and lease loss provision to assets | 0.3514% | 3,822 |
| Net operating income to assets | 1.2274% | 1,410 |
| Return on assets (ROA) | 1.2251% | 1,490 |
| Pretax return on assets | 1.9892% | 585 |
| Return on Equity (ROE) | 12.0882% | 1,388 |
| Retained earnings to average equity (ytd only) | -41.7128% | 7,844 |
| Net charge-offs to loans | 0.3748% | 3,319 |
| Credit loss provision to net charge-offs | 110.8824% | 4,174 |
| Earnings coverage of net charge-offs (x) | 7.3971% | 2,448 |
| Efficiency ratio | 55.6781% | 7,150 |
| Assets per employee ($millions) | 5.6120% | 1,492 |
| Cash dividends to net income (ytd only)* | 445.0700% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 5,498 |
| Loan loss allowance to noncurrent loans | 171.4890% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 6,080 |
| Noncurrent loans to loans | 0.6497% | 5,955 |
| Net loans and leases to total assets | 82.1937% | 927 |
| Net loans and leases to deposits | 97.4419% | 1,609 |
| Net loans and leases to core deposits | 110.9071% | 3,268 |
| Total domestic deposits to total assets | 84.3515% | 3,572 |
| Equity capital to assets | 9.4160% | 4,724 |
| Core capital (leverage) ratio | 9.4780% | 3,925 |
| Tier 1 risk-based capital ratio | 10.0690% | 6,856 |
| Total risk-based capital ratio | 11.6087% | 6,459 |
| Memoranda: | ||
| Average total assets | $1,072,890,000 | 650 |
| Average earning assets | $1,001,858,000 | 623 |
| Average equity | $108,734,000 | 618 |
| Average total loans | $907,239,000 | 550 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 3,121 |
| Cost of funding earning assets | 0.7080% | 7,988 |
| Net interest margin | 5.1264% | 320 |
| Noninterest income to average assets | 0.4658% | 4,631 |
| Noninterest expense to average assets | 2.7845% | 4,624 |
| Loan and lease loss provision to assets | 0.4463% | 2,693 |
| Net operating income to assets | 1.2518% | 1,501 |
| Return on assets (ROA) | 1.2518% | 1,605 |
| Pretax return on assets | 2.0584% | 591 |
| Return on Equity (ROE) | 11.9162% | 1,685 |
| Retained earnings to average equity (ytd only) | -92.9418% | 8,139 |
| Net charge-offs to loans | 0.3735% | 2,594 |
| Credit loss provision to net charge-offs | 140.0709% | 2,909 |
| Earnings coverage of net charge-offs (x) | 7.8617% | 2,285 |
| Efficiency ratio | 52.6451% | 7,351 |
| Assets per employee ($millions) | 5.5979% | 1,477 |
| Cash dividends to net income (ytd only)* | 879.9639% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 5,351 |
| Loan loss allowance to noncurrent loans | 138.6845% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 5,431 |
| Noncurrent loans to loans | 0.8050% | 5,424 |
| Net loans and leases to total assets | 84.7856% | 580 |
| Net loans and leases to deposits | 105.8676% | 876 |
| Net loans and leases to core deposits | 118.4069% | 2,559 |
| Total domestic deposits to total assets | 80.0865% | 5,337 |
| Equity capital to assets | 9.2021% | 5,083 |
| Core capital (leverage) ratio | 9.2498% | 4,322 |
| Tier 1 risk-based capital ratio | 9.5994% | 7,344 |
| Total risk-based capital ratio | 11.1428% | 6,936 |
| Memoranda: | ||
| Average total assets | $1,062,164,500 | 656 |
| Average earning assets | $999,384,000 | 627 |
| Average equity | $111,579,500 | 604 |
| Average total loans | $906,051,500 | 557 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5565% | 2,690 |
| Cost of funding earning assets | 1.1985% | 7,946 |
| Net interest margin | 5.3580% | 257 |
| Noninterest income to average assets | 0.5520% | 4,213 |
| Noninterest expense to average assets | 2.8934% | 4,468 |
| Loan and lease loss provision to assets | 0.5175% | 2,740 |
| Net operating income to assets | 1.2948% | 1,494 |
| Return on assets (ROA) | 1.2947% | 1,449 |
| Pretax return on assets | 2.1361% | 451 |
| Return on Equity (ROE) | 13.1326% | 1,299 |
| Retained earnings to average equity (ytd only) | 9.7274% | 487 |
| Net charge-offs to loans | 0.3275% | 3,216 |
| Credit loss provision to net charge-offs | 190.1328% | 2,597 |
| Earnings coverage of net charge-offs (x) | 9.7503% | 2,642 |
| Efficiency ratio | 52.1591% | 7,470 |
| Assets per employee ($millions) | 5.3276% | 1,612 |
| Cash dividends to net income (ytd only)* | 25.9295% | 4,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,152 |
| Loan loss allowance to noncurrent loans | 148.6850% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.6376% | 5,303 |
| Noncurrent loans to loans | 0.7515% | 5,150 |
| Net loans and leases to total assets | 83.9032% | 898 |
| Net loans and leases to deposits | 103.1453% | 1,449 |
| Net loans and leases to core deposits | 110.3113% | 3,747 |
| Total domestic deposits to total assets | 81.3446% | 4,485 |
| Equity capital to assets | 11.8390% | 2,395 |
| Core capital (leverage) ratio | 12.2673% | 1,856 |
| Tier 1 risk-based capital ratio | 12.3988% | 4,505 |
| Total risk-based capital ratio | 13.9465% | 4,212 |
| Memoranda: | ||
| Average total assets | $968,101,600 | 682 |
| Average earning assets | $902,556,200 | 664 |
| Average equity | $95,442,000 | 699 |
| Average total loans | $804,693,600 | 590 |