Home > CB&S Bank, Inc. > Performance and Condition Ratios
CB&S Bank, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0567% | 1,960 |
| Cost of funding earning assets | 1.5758% | 1,758 |
| Net interest margin | 3.4808% | 2,232 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.8049% | 1,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9044% | 2,536 |
| Return on assets (ROA) | 0.9029% | 2,514 |
| Pretax return on assets | 1.0927% | 2,429 |
| Return on Equity (ROE) | 22.4400% | 430 |
| Retained earnings to average equity (ytd only) | 20.1719% | 129 |
| Net charge-offs to loans | 0.0002% | 2,912 |
| Credit loss provision to net charge-offs | 5,000.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 13,640.0000% | 2 |
| Efficiency ratio | 71.6349% | 1,695 |
| Assets per employee ($millions) | 4.6292% | 3,867 |
| Cash dividends to net income (ytd only)* | 10.0897% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 2,016 |
| Loan loss allowance to noncurrent loans | 70.7341% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 530 |
| Noncurrent loans to loans | 1.7669% | 346 |
| Net loans and leases to total assets | 45.6000% | 3,831 |
| Net loans and leases to deposits | 53.0593% | 3,832 |
| Net loans and leases to core deposits | 58.3337% | 3,824 |
| Total domestic deposits to total assets | 85.9400% | 2,041 |
| Equity capital to assets | 5.1961% | 4,380 |
| Core capital (leverage) ratio | 10.9199% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,483,115,800 | 469 |
| Average earning assets | $2,212,724,400 | 479 |
| Average equity | $99,926,200 | 948 |
| Average total loans | $1,180,642,600 | 642 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9985% | 1,828 |
| Cost of funding earning assets | 1.4447% | 1,751 |
| Net interest margin | 3.5539% | 2,103 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 2.8234% | 1,387 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8918% | 2,712 |
| Return on assets (ROA) | 0.8897% | 2,706 |
| Pretax return on assets | 1.0849% | 2,607 |
| Return on Equity (ROE) | 23.9000% | 443 |
| Retained earnings to average equity (ytd only) | 21.6998% | 206 |
| Net charge-offs to loans | -0.0613% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.8734% | 1,587 |
| Assets per employee ($millions) | 4.5639% | 3,904 |
| Cash dividends to net income (ytd only)* | 9.2035% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 1,954 |
| Loan loss allowance to noncurrent loans | 91.3195% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7963% | 702 |
| Noncurrent loans to loans | 1.4034% | 537 |
| Net loans and leases to total assets | 47.1100% | 3,782 |
| Net loans and leases to deposits | 53.2889% | 3,821 |
| Net loans and leases to core deposits | 57.9208% | 3,781 |
| Total domestic deposits to total assets | 88.4000% | 1,445 |
| Equity capital to assets | 2.5304% | 4,518 |
| Core capital (leverage) ratio | 10.8592% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,468,536,500 | 473 |
| Average earning assets | $2,196,429,750 | 486 |
| Average equity | $91,894,000 | 1,009 |
| Average total loans | $1,182,434,000 | 638 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9208% | 1,712 |
| Cost of funding earning assets | 1.2579% | 1,831 |
| Net interest margin | 3.6629% | 1,890 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.8199% | 1,375 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.9599% | 2,546 |
| Return on assets (ROA) | 0.9568% | 2,550 |
| Pretax return on assets | 1.1664% | 2,458 |
| Return on Equity (ROE) | 23.2000% | 476 |
| Retained earnings to average equity (ytd only) | 21.8069% | 190 |
| Net charge-offs to loans | -0.1353% | 4,552 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 70.3112% | 1,738 |
| Assets per employee ($millions) | 4.6258% | 3,876 |
| Cash dividends to net income (ytd only)* | 6.0022% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 1,878 |
| Loan loss allowance to noncurrent loans | 124.9233% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6121% | 878 |
| Noncurrent loans to loans | 1.0509% | 703 |
| Net loans and leases to total assets | 47.3400% | 3,722 |
| Net loans and leases to deposits | 53.4575% | 3,775 |
| Net loans and leases to core deposits | 57.6580% | 3,734 |
| Total domestic deposits to total assets | 88.5500% | 1,398 |
| Equity capital to assets | 4.4595% | 4,448 |
| Core capital (leverage) ratio | 10.7424% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,462,267,667 | 460 |
| Average earning assets | $2,198,428,000 | 475 |
| Average equity | $101,545,667 | 930 |
| Average total loans | $1,180,929,333 | 624 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 1,421 |
| Cost of funding earning assets | 1.0941% | 1,767 |
| Net interest margin | 3.8015% | 1,683 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 2.8098% | 1,409 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.9982% | 2,532 |
| Return on assets (ROA) | 0.9982% | 2,502 |
| Pretax return on assets | 1.2803% | 2,226 |
| Return on Equity (ROE) | 25.2300% | 394 |
| Retained earnings to average equity (ytd only) | 23.4876% | 222 |
| Net charge-offs to loans | -0.0325% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 68.2156% | 1,946 |
| Assets per employee ($millions) | 4.5478% | 3,994 |
| Cash dividends to net income (ytd only)* | 6.8921% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 2,319 |
| Loan loss allowance to noncurrent loans | 120.0716% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 847 |
| Noncurrent loans to loans | 1.0354% | 704 |
| Net loans and leases to total assets | 47.1400% | 3,700 |
| Net loans and leases to deposits | 53.6372% | 3,704 |
| Net loans and leases to core deposits | 57.3395% | 3,667 |
| Total domestic deposits to total assets | 87.9000% | 1,963 |
| Equity capital to assets | 4.6487% | 4,471 |
| Core capital (leverage) ratio | 10.5377% | 2,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,465,263,500 | 470 |
| Average earning assets | $2,203,524,000 | 485 |
| Average equity | $97,549,500 | 965 |
| Average total loans | $1,182,284,500 | 631 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 1,339 |
| Cost of funding earning assets | 0.3689% | 2,342 |
| Net interest margin | 3.7864% | 1,187 |
| Noninterest income to average assets | 0.7700% | 1,080 |
| Noninterest expense to average assets | 2.6846% | 1,590 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1520% | 1,965 |
| Return on assets (ROA) | 1.1520% | 1,909 |
| Pretax return on assets | 1.4102% | 1,737 |
| Return on Equity (ROE) | 18.7200% | 607 |
| Retained earnings to average equity (ytd only) | 17.7417% | 148 |
| Net charge-offs to loans | 0.0038% | 2,316 |
| Credit loss provision to net charge-offs | 5,119.0476% | 134 |
| Earnings coverage of net charge-offs (x) | 854.8333% | 216 |
| Efficiency ratio | 63.9403% | 2,502 |
| Assets per employee ($millions) | 4.4969% | 4,041 |
| Cash dividends to net income (ytd only)* | 5.2187% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3685% | 1,610 |
| Loan loss allowance to noncurrent loans | 184.9041% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 1,074 |
| Noncurrent loans to loans | 0.7401% | 1,013 |
| Net loans and leases to total assets | 47.5400% | 3,701 |
| Net loans and leases to deposits | 53.5587% | 3,701 |
| Net loans and leases to core deposits | 57.4477% | 3,647 |
| Total domestic deposits to total assets | 88.7700% | 1,791 |
| Equity capital to assets | 3.2540% | 4,586 |
| Core capital (leverage) ratio | 10.7013% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,393,496,400 | 468 |
| Average earning assets | $2,161,130,000 | 476 |
| Average equity | $147,308,600 | 687 |
| Average total loans | $1,091,141,200 | 634 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 1,225 |
| Cost of funding earning assets | 0.3021% | 2,138 |
| Net interest margin | 3.7202% | 1,093 |
| Noninterest income to average assets | 0.7700% | 1,094 |
| Noninterest expense to average assets | 2.6847% | 1,505 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1215% | 1,998 |
| Return on assets (ROA) | 1.1215% | 1,967 |
| Pretax return on assets | 1.3736% | 1,797 |
| Return on Equity (ROE) | 16.2600% | 928 |
| Retained earnings to average equity (ytd only) | 16.0283% | 275 |
| Net charge-offs to loans | 0.0344% | 1,171 |
| Credit loss provision to net charge-offs | 561.5942% | 570 |
| Earnings coverage of net charge-offs (x) | 94.5072% | 972 |
| Efficiency ratio | 64.5524% | 2,475 |
| Assets per employee ($millions) | 4.2796% | 4,181 |
| Cash dividends to net income (ytd only)* | 1.4128% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,789 |
| Loan loss allowance to noncurrent loans | 259.9932% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 1,428 |
| Noncurrent loans to loans | 0.5207% | 1,498 |
| Net loans and leases to total assets | 47.4600% | 3,671 |
| Net loans and leases to deposits | 51.1754% | 3,781 |
| Net loans and leases to core deposits | 54.2869% | 3,725 |
| Total domestic deposits to total assets | 92.7300% | 652 |
| Equity capital to assets | 2.8374% | 4,603 |
| Core capital (leverage) ratio | 10.4025% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,381,420,750 | 466 |
| Average earning assets | $2,158,358,500 | 477 |
| Average equity | $164,271,750 | 631 |
| Average total loans | $1,069,673,000 | 643 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 1,275 |
| Cost of funding earning assets | 0.2598% | 2,144 |
| Net interest margin | 3.5590% | 1,160 |
| Noninterest income to average assets | 0.7423% | 1,192 |
| Noninterest expense to average assets | 2.6461% | 1,511 |
| Loan and lease loss provision to assets | 0.0961% | 1,033 |
| Net operating income to assets | 1.0256% | 2,068 |
| Return on assets (ROA) | 1.0256% | 2,035 |
| Pretax return on assets | 1.2531% | 1,891 |
| Return on Equity (ROE) | 12.4706% | 1,535 |
| Retained earnings to average equity (ytd only) | 12.4706% | 536 |
| Net charge-offs to loans | 0.0269% | 1,179 |
| Credit loss provision to net charge-offs | 815.6028% | 469 |
| Earnings coverage of net charge-offs (x) | 114.5106% | 757 |
| Efficiency ratio | 66.0072% | 2,508 |
| Assets per employee ($millions) | 4.4388% | 4,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 1,951 |
| Loan loss allowance to noncurrent loans | 310.4033% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 1,618 |
| Noncurrent loans to loans | 0.4352% | 1,820 |
| Net loans and leases to total assets | 45.6396% | 3,731 |
| Net loans and leases to deposits | 50.0166% | 3,808 |
| Net loans and leases to core deposits | 52.5041% | 3,786 |
| Total domestic deposits to total assets | 91.2490% | 1,129 |
| Equity capital to assets | 5.0175% | 4,473 |
| Core capital (leverage) ratio | 10.5089% | 1,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,393,487,000 | 462 |
| Average earning assets | $2,187,715,000 | 466 |
| Average equity | $196,847,667 | 540 |
| Average total loans | $1,050,163,333 | 640 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 1,486 |
| Cost of funding earning assets | 0.2427% | 2,237 |
| Net interest margin | 3.3659% | 1,384 |
| Noninterest income to average assets | 0.6924% | 1,337 |
| Noninterest expense to average assets | 2.6293% | 1,529 |
| Loan and lease loss provision to assets | 0.0544% | 1,405 |
| Net operating income to assets | 0.9170% | 2,216 |
| Return on assets (ROA) | 0.9170% | 2,215 |
| Pretax return on assets | 1.1149% | 2,093 |
| Return on Equity (ROE) | 9.3232% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.3232% | 1,178 |
| Net charge-offs to loans | -0.0145% | 3,747 |
| Credit loss provision to net charge-offs | -878.3784% | 3,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9847% | 2,374 |
| Assets per employee ($millions) | 4.4254% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 2,007 |
| Loan loss allowance to noncurrent loans | 199.4860% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.4574% | 1,333 |
| Noncurrent loans to loans | 0.6889% | 1,377 |
| Net loans and leases to total assets | 43.5346% | 3,774 |
| Net loans and leases to deposits | 49.0901% | 3,810 |
| Net loans and leases to core deposits | 50.5305% | 3,843 |
| Total domestic deposits to total assets | 88.6832% | 2,214 |
| Equity capital to assets | 8.1232% | 3,472 |
| Core capital (leverage) ratio | 10.4883% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,389,542,500 | 466 |
| Average earning assets | $2,205,160,500 | 467 |
| Average equity | $235,026,500 | 475 |
| Average total loans | $1,019,751,500 | 654 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6302% | 2,306 |
| Cost of funding earning assets | 0.3369% | 2,055 |
| Net interest margin | 3.2933% | 2,329 |
| Noninterest income to average assets | 0.8320% | 1,372 |
| Noninterest expense to average assets | 2.5634% | 1,978 |
| Loan and lease loss provision to assets | 0.1341% | 908 |
| Net operating income to assets | 0.9698% | 2,797 |
| Return on assets (ROA) | 1.1013% | 2,354 |
| Pretax return on assets | 1.3421% | 2,233 |
| Return on Equity (ROE) | 9.3510% | 2,775 |
| Retained earnings to average equity (ytd only) | 9.0964% | 1,168 |
| Net charge-offs to loans | 0.1979% | 487 |
| Credit loss provision to net charge-offs | 163.6315% | 1,438 |
| Earnings coverage of net charge-offs (x) | 16.0557% | 1,990 |
| Efficiency ratio | 65.8388% | 2,282 |
| Assets per employee ($millions) | 4.5160% | 4,104 |
| Cash dividends to net income (ytd only)* | 2.7222% | 3,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 1,895 |
| Loan loss allowance to noncurrent loans | 192.0829% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 1,390 |
| Noncurrent loans to loans | 0.7329% | 1,387 |
| Net loans and leases to total assets | 40.6562% | 4,053 |
| Net loans and leases to deposits | 47.9770% | 3,998 |
| Net loans and leases to core deposits | 49.4687% | 4,033 |
| Total domestic deposits to total assets | 84.7410% | 3,346 |
| Equity capital to assets | 11.5168% | 1,504 |
| Core capital (leverage) ratio | 10.6499% | 1,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,278,167,600 | 471 |
| Average earning assets | $2,107,917,000 | 466 |
| Average equity | $268,313,800 | 422 |
| Average total loans | $943,388,400 | 695 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6137% | 2,519 |
| Cost of funding earning assets | 0.3611% | 2,009 |
| Net interest margin | 3.2527% | 2,578 |
| Noninterest income to average assets | 0.8451% | 1,394 |
| Noninterest expense to average assets | 2.5926% | 1,860 |
| Loan and lease loss provision to assets | 0.0823% | 1,440 |
| Net operating income to assets | 0.9485% | 3,086 |
| Return on assets (ROA) | 1.1243% | 2,528 |
| Pretax return on assets | 1.3921% | 2,370 |
| Return on Equity (ROE) | 9.4899% | 2,933 |
| Retained earnings to average equity (ytd only) | 9.4147% | 1,531 |
| Net charge-offs to loans | 0.1572% | 533 |
| Credit loss provision to net charge-offs | 126.2534% | 1,438 |
| Earnings coverage of net charge-offs (x) | 19.2981% | 1,763 |
| Efficiency ratio | 67.0935% | 1,958 |
| Assets per employee ($millions) | 4.2700% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.7924% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 2,092 |
| Loan loss allowance to noncurrent loans | 110.6054% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 1,019 |
| Noncurrent loans to loans | 1.2508% | 882 |
| Net loans and leases to total assets | 40.7961% | 4,164 |
| Net loans and leases to deposits | 48.2853% | 4,096 |
| Net loans and leases to core deposits | 50.1328% | 4,126 |
| Total domestic deposits to total assets | 84.4897% | 3,301 |
| Equity capital to assets | 11.8347% | 1,475 |
| Core capital (leverage) ratio | 10.7323% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,244,830,000 | 481 |
| Average earning assets | $2,073,780,500 | 476 |
| Average equity | $265,959,750 | 427 |
| Average total loans | $930,628,000 | 717 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 2,637 |
| Cost of funding earning assets | 0.3783% | 2,061 |
| Net interest margin | 3.2165% | 2,707 |
| Noninterest income to average assets | 0.7836% | 1,579 |
| Noninterest expense to average assets | 2.5646% | 1,948 |
| Loan and lease loss provision to assets | 0.0368% | 2,259 |
| Net operating income to assets | 0.9385% | 3,099 |
| Return on assets (ROA) | 1.0793% | 2,679 |
| Pretax return on assets | 1.3229% | 2,572 |
| Return on Equity (ROE) | 9.1062% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.9927% | 1,713 |
| Net charge-offs to loans | 0.1172% | 660 |
| Credit loss provision to net charge-offs | 75.6458% | 1,498 |
| Earnings coverage of net charge-offs (x) | 24.4428% | 1,435 |
| Efficiency ratio | 68.0854% | 1,873 |
| Assets per employee ($millions) | 4.3316% | 4,232 |
| Cash dividends to net income (ytd only)* | 1.2464% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3641% | 2,131 |
| Loan loss allowance to noncurrent loans | 94.3514% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 978 |
| Noncurrent loans to loans | 1.4457% | 800 |
| Net loans and leases to total assets | 40.7003% | 4,259 |
| Net loans and leases to deposits | 48.3564% | 4,194 |
| Net loans and leases to core deposits | 50.4058% | 4,223 |
| Total domestic deposits to total assets | 84.1673% | 3,375 |
| Equity capital to assets | 12.1298% | 1,305 |
| Core capital (leverage) ratio | 10.5324% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,230,205,333 | 478 |
| Average earning assets | $2,058,641,667 | 475 |
| Average equity | $264,326,000 | 430 |
| Average total loans | $925,236,667 | 726 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5674% | 2,738 |
| Cost of funding earning assets | 0.4012% | 2,085 |
| Net interest margin | 3.1662% | 2,797 |
| Noninterest income to average assets | 0.7859% | 1,621 |
| Noninterest expense to average assets | 2.5504% | 2,025 |
| Loan and lease loss provision to assets | 0.0180% | 2,545 |
| Net operating income to assets | 0.9267% | 3,056 |
| Return on assets (ROA) | 1.0559% | 2,695 |
| Pretax return on assets | 1.2971% | 2,581 |
| Return on Equity (ROE) | 9.0164% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.7856% | 2,021 |
| Net charge-offs to loans | 0.1876% | 429 |
| Credit loss provision to net charge-offs | 23.0947% | 1,409 |
| Earnings coverage of net charge-offs (x) | 14.8060% | 1,354 |
| Efficiency ratio | 68.5603% | 1,866 |
| Assets per employee ($millions) | 4.1234% | 4,401 |
| Cash dividends to net income (ytd only)* | 2.5606% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 2,138 |
| Loan loss allowance to noncurrent loans | 86.1800% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8885% | 978 |
| Noncurrent loans to loans | 1.5797% | 770 |
| Net loans and leases to total assets | 40.2295% | 4,328 |
| Net loans and leases to deposits | 47.7029% | 4,270 |
| Net loans and leases to core deposits | 49.8494% | 4,301 |
| Total domestic deposits to total assets | 84.3333% | 3,329 |
| Equity capital to assets | 11.0752% | 1,806 |
| Core capital (leverage) ratio | 10.4547% | 2,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,219,088,000 | 477 |
| Average earning assets | $2,046,634,500 | 474 |
| Average equity | $259,881,000 | 429 |
| Average total loans | $923,141,500 | 724 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 2,846 |
| Cost of funding earning assets | 0.5536% | 2,586 |
| Net interest margin | 3.4095% | 2,748 |
| Noninterest income to average assets | 0.8657% | 1,360 |
| Noninterest expense to average assets | 2.6979% | 2,247 |
| Loan and lease loss provision to assets | 0.1636% | 2,329 |
| Net operating income to assets | 0.9456% | 2,501 |
| Return on assets (ROA) | 1.0117% | 2,396 |
| Pretax return on assets | 1.2108% | 2,291 |
| Return on Equity (ROE) | 8.1161% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.8839% | 1,433 |
| Net charge-offs to loans | 0.0109% | 2,934 |
| Credit loss provision to net charge-offs | 3,234.9515% | 307 |
| Earnings coverage of net charge-offs (x) | 256.1845% | 396 |
| Efficiency ratio | 67.2921% | 2,325 |
| Assets per employee ($millions) | 4.2959% | 4,125 |
| Cash dividends to net income (ytd only)* | 15.1823% | 3,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 2,061 |
| Loan loss allowance to noncurrent loans | 77.6283% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 943 |
| Noncurrent loans to loans | 1.7750% | 710 |
| Net loans and leases to total assets | 41.8516% | 4,363 |
| Net loans and leases to deposits | 50.4123% | 4,297 |
| Net loans and leases to core deposits | 52.9443% | 4,301 |
| Total domestic deposits to total assets | 83.0186% | 3,404 |
| Equity capital to assets | 12.3634% | 1,387 |
| Core capital (leverage) ratio | 10.6730% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,036,503,200 | 469 |
| Average earning assets | $1,868,232,600 | 470 |
| Average equity | $253,852,400 | 416 |
| Average total loans | $940,822,800 | 686 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 2,874 |
| Cost of funding earning assets | 0.5879% | 2,686 |
| Net interest margin | 3.4472% | 2,761 |
| Noninterest income to average assets | 0.8453% | 1,361 |
| Noninterest expense to average assets | 2.7366% | 2,155 |
| Loan and lease loss provision to assets | 0.1966% | 2,012 |
| Net operating income to assets | 0.8848% | 2,755 |
| Return on assets (ROA) | 0.9502% | 2,658 |
| Pretax return on assets | 1.1484% | 2,569 |
| Return on Equity (ROE) | 7.6062% | 2,959 |
| Retained earnings to average equity (ytd only) | 6.2227% | 2,009 |
| Net charge-offs to loans | -0.0346% | 4,572 |
| Credit loss provision to net charge-offs | -1,202.4490% | 3,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1010% | 2,175 |
| Assets per employee ($millions) | 4.1352% | 4,207 |
| Cash dividends to net income (ytd only)* | 18.1895% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 1,995 |
| Loan loss allowance to noncurrent loans | 63.5789% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.2377% | 793 |
| Noncurrent loans to loans | 2.1094% | 565 |
| Net loans and leases to total assets | 44.9062% | 4,375 |
| Net loans and leases to deposits | 53.5891% | 4,356 |
| Net loans and leases to core deposits | 56.5256% | 4,364 |
| Total domestic deposits to total assets | 83.7972% | 2,893 |
| Equity capital to assets | 12.5216% | 1,414 |
| Core capital (leverage) ratio | 10.6427% | 2,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,997,901,000 | 468 |
| Average earning assets | $1,829,984,500 | 469 |
| Average equity | $249,597,500 | 410 |
| Average total loans | $943,592,750 | 677 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 2,924 |
| Cost of funding earning assets | 0.6244% | 2,839 |
| Net interest margin | 3.5205% | 2,722 |
| Noninterest income to average assets | 0.8335% | 1,336 |
| Noninterest expense to average assets | 2.7727% | 2,153 |
| Loan and lease loss provision to assets | 0.2635% | 1,613 |
| Net operating income to assets | 0.8400% | 2,897 |
| Return on assets (ROA) | 0.9397% | 2,671 |
| Pretax return on assets | 1.1367% | 2,589 |
| Return on Equity (ROE) | 7.5279% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.5279% | 1,453 |
| Net charge-offs to loans | -0.0266% | 4,497 |
| Credit loss provision to net charge-offs | -2,072.8000% | 3,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1457% | 2,215 |
| Assets per employee ($millions) | 4.0360% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 2,094 |
| Loan loss allowance to noncurrent loans | 60.1369% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2713% | 831 |
| Noncurrent loans to loans | 2.1307% | 603 |
| Net loans and leases to total assets | 45.9400% | 4,371 |
| Net loans and leases to deposits | 54.5822% | 4,355 |
| Net loans and leases to core deposits | 57.5968% | 4,369 |
| Total domestic deposits to total assets | 84.1666% | 2,697 |
| Equity capital to assets | 12.4121% | 1,423 |
| Core capital (leverage) ratio | 10.8885% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,966,392,667 | 469 |
| Average earning assets | $1,798,162,000 | 467 |
| Average equity | $245,461,333 | 415 |
| Average total loans | $940,656,333 | 663 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,957 |
| Cost of funding earning assets | 0.7036% | 2,920 |
| Net interest margin | 3.5859% | 2,715 |
| Noninterest income to average assets | 0.8230% | 1,245 |
| Noninterest expense to average assets | 2.9052% | 2,109 |
| Loan and lease loss provision to assets | 0.1232% | 2,155 |
| Net operating income to assets | 0.8920% | 2,550 |
| Return on assets (ROA) | 0.9529% | 2,441 |
| Pretax return on assets | 1.1422% | 2,386 |
| Return on Equity (ROE) | 7.6104% | 2,677 |
| Retained earnings to average equity (ytd only) | 7.6104% | 1,343 |
| Net charge-offs to loans | -0.0223% | 4,368 |
| Credit loss provision to net charge-offs | -1,136.5385% | 3,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6361% | 2,263 |
| Assets per employee ($millions) | 3.7127% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,144 |
| Loan loss allowance to noncurrent loans | 59.8618% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1921% | 1,047 |
| Noncurrent loans to loans | 1.8556% | 799 |
| Net loans and leases to total assets | 46.9705% | 4,385 |
| Net loans and leases to deposits | 55.9873% | 4,365 |
| Net loans and leases to core deposits | 59.3578% | 4,387 |
| Total domestic deposits to total assets | 83.8949% | 2,820 |
| Equity capital to assets | 12.6533% | 1,646 |
| Core capital (leverage) ratio | 11.0244% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,918,382,000 | 464 |
| Average earning assets | $1,751,648,000 | 467 |
| Average equity | $240,197,500 | 422 |
| Average total loans | $931,099,500 | 642 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3067% | 3,526 |
| Cost of funding earning assets | 0.7210% | 3,063 |
| Net interest margin | 3.5857% | 3,180 |
| Noninterest income to average assets | 0.9331% | 1,111 |
| Noninterest expense to average assets | 2.9168% | 2,243 |
| Loan and lease loss provision to assets | 0.1463% | 1,463 |
| Net operating income to assets | 0.9786% | 2,919 |
| Return on assets (ROA) | 1.0013% | 2,930 |
| Pretax return on assets | 1.1697% | 2,947 |
| Return on Equity (ROE) | 7.9650% | 3,178 |
| Retained earnings to average equity (ytd only) | -7.9849% | 5,041 |
| Net charge-offs to loans | 0.1570% | 1,281 |
| Credit loss provision to net charge-offs | 192.3824% | 1,377 |
| Earnings coverage of net charge-offs (x) | 16.9559% | 2,135 |
| Efficiency ratio | 69.2215% | 2,288 |
| Assets per employee ($millions) | 3.6726% | 4,290 |
| Cash dividends to net income (ytd only)* | 200.2496% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,399 |
| Loan loss allowance to noncurrent loans | 59.8314% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.1621% | 1,024 |
| Noncurrent loans to loans | 1.7007% | 811 |
| Net loans and leases to total assets | 49.0901% | 4,368 |
| Net loans and leases to deposits | 58.4777% | 4,356 |
| Net loans and leases to core deposits | 62.2585% | 4,348 |
| Total domestic deposits to total assets | 83.9467% | 2,859 |
| Equity capital to assets | 12.3857% | 1,894 |
| Core capital (leverage) ratio | 10.8269% | 2,659 |
| Tier 1 risk-based capital ratio | 16.2120% | 2,326 |
| Total risk-based capital ratio | 16.9838% | 2,428 |
| Memoranda: | ||
| Average total assets | $1,760,533,800 | 485 |
| Average earning assets | $1,607,136,400 | 483 |
| Average equity | $221,317,200 | 436 |
| Average total loans | $852,785,200 | 679 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2600% | 3,781 |
| Cost of funding earning assets | 0.7024% | 3,213 |
| Net interest margin | 3.5576% | 3,378 |
| Noninterest income to average assets | 0.9505% | 1,040 |
| Noninterest expense to average assets | 2.9793% | 2,036 |
| Loan and lease loss provision to assets | 0.1681% | 1,104 |
| Net operating income to assets | 0.9055% | 3,326 |
| Return on assets (ROA) | 0.9304% | 3,307 |
| Pretax return on assets | 1.0804% | 3,347 |
| Return on Equity (ROE) | 7.3711% | 3,561 |
| Retained earnings to average equity (ytd only) | -14.0495% | 5,175 |
| Net charge-offs to loans | 0.1785% | 950 |
| Credit loss provision to net charge-offs | 195.6835% | 1,338 |
| Earnings coverage of net charge-offs (x) | 14.1969% | 2,253 |
| Efficiency ratio | 70.8895% | 1,982 |
| Assets per employee ($millions) | 3.6836% | 4,295 |
| Cash dividends to net income (ytd only)* | 290.6010% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 3,922 |
| Loan loss allowance to noncurrent loans | 60.7243% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 1,144 |
| Noncurrent loans to loans | 1.5326% | 983 |
| Net loans and leases to total assets | 50.4099% | 4,406 |
| Net loans and leases to deposits | 60.1952% | 4,378 |
| Net loans and leases to core deposits | 64.2669% | 4,353 |
| Total domestic deposits to total assets | 83.7441% | 2,915 |
| Equity capital to assets | 12.3747% | 1,993 |
| Core capital (leverage) ratio | 10.3088% | 3,306 |
| Tier 1 risk-based capital ratio | 15.3364% | 2,693 |
| Total risk-based capital ratio | 16.0535% | 2,876 |
| Memoranda: | ||
| Average total assets | $1,725,979,500 | 492 |
| Average earning assets | $1,575,971,750 | 490 |
| Average equity | $217,853,250 | 444 |
| Average total loans | $830,561,500 | 695 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 3,838 |
| Cost of funding earning assets | 0.6747% | 3,301 |
| Net interest margin | 3.5583% | 3,411 |
| Noninterest income to average assets | 0.9621% | 944 |
| Noninterest expense to average assets | 3.0351% | 1,902 |
| Loan and lease loss provision to assets | 0.1342% | 1,379 |
| Net operating income to assets | 0.9086% | 3,247 |
| Return on assets (ROA) | 0.9324% | 3,218 |
| Pretax return on assets | 1.0729% | 3,315 |
| Return on Equity (ROE) | 7.3319% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.4403% | 2,545 |
| Net charge-offs to loans | 0.0928% | 1,434 |
| Credit loss provision to net charge-offs | 307.4380% | 883 |
| Earnings coverage of net charge-offs (x) | 27.0220% | 1,556 |
| Efficiency ratio | 72.0087% | 1,918 |
| Assets per employee ($millions) | 3.3515% | 4,659 |
| Cash dividends to net income (ytd only)* | 25.7998% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0794% | 3,182 |
| Loan loss allowance to noncurrent loans | 69.7786% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 1.0642% | 1,286 |
| Noncurrent loans to loans | 1.5469% | 990 |
| Net loans and leases to total assets | 48.2927% | 4,558 |
| Net loans and leases to deposits | 58.5275% | 4,494 |
| Net loans and leases to core deposits | 61.7290% | 4,513 |
| Total domestic deposits to total assets | 82.5129% | 3,370 |
| Equity capital to assets | 13.4672% | 1,336 |
| Core capital (leverage) ratio | 12.4193% | 1,579 |
| Tier 1 risk-based capital ratio | 19.1983% | 1,512 |
| Total risk-based capital ratio | 20.0224% | 1,574 |
| Memoranda: | ||
| Average total assets | $1,662,815,670 | 509 |
| Average earning assets | $1,520,061,670 | 503 |
| Average equity | $211,459,670 | 455 |
| Average total loans | $782,529,330 | 730 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 3,791 |
| Cost of funding earning assets | 0.6695% | 3,206 |
| Net interest margin | 3.5559% | 3,414 |
| Noninterest income to average assets | 0.9205% | 995 |
| Noninterest expense to average assets | 3.0327% | 1,900 |
| Loan and lease loss provision to assets | 0.1383% | 1,252 |
| Net operating income to assets | 0.8790% | 3,313 |
| Return on assets (ROA) | 0.8858% | 3,342 |
| Pretax return on assets | 1.0006% | 3,437 |
| Return on Equity (ROE) | 7.1775% | 3,601 |
| Retained earnings to average equity (ytd only) | 3.2798% | 3,609 |
| Net charge-offs to loans | 0.1005% | 1,138 |
| Credit loss provision to net charge-offs | 297.9275% | 838 |
| Earnings coverage of net charge-offs (x) | 24.3679% | 1,453 |
| Efficiency ratio | 72.8339% | 1,905 |
| Assets per employee ($millions) | 3.3015% | 4,741 |
| Cash dividends to net income (ytd only)* | 54.3036% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0805% | 3,231 |
| Loan loss allowance to noncurrent loans | 67.7516% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0304% | 1,356 |
| Noncurrent loans to loans | 1.5949% | 994 |
| Net loans and leases to total assets | 45.9714% | 4,672 |
| Net loans and leases to deposits | 55.2979% | 4,633 |
| Net loans and leases to core deposits | 58.2158% | 4,640 |
| Total domestic deposits to total assets | 83.1341% | 3,336 |
| Equity capital to assets | 12.6542% | 1,652 |
| Core capital (leverage) ratio | 11.9532% | 1,804 |
| Tier 1 risk-based capital ratio | 19.2495% | 1,492 |
| Total risk-based capital ratio | 20.0570% | 1,547 |
| Memoranda: | ||
| Average total assets | $1,663,050,000 | 511 |
| Average earning assets | $1,516,917,000 | 506 |
| Average equity | $205,253,500 | 463 |
| Average total loans | $768,017,500 | 747 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0537% | 3,881 |
| Cost of funding earning assets | 0.5495% | 3,051 |
| Net interest margin | 3.5041% | 3,690 |
| Noninterest income to average assets | 0.9431% | 1,076 |
| Noninterest expense to average assets | 2.9617% | 2,161 |
| Loan and lease loss provision to assets | 0.1143% | 1,928 |
| Net operating income to assets | 0.9274% | 3,337 |
| Return on assets (ROA) | 0.9068% | 3,405 |
| Pretax return on assets | 1.0225% | 3,535 |
| Return on Equity (ROE) | 7.7735% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.0914% | 1,634 |
| Net charge-offs to loans | 0.1880% | 1,024 |
| Credit loss provision to net charge-offs | 131.3863% | 2,014 |
| Earnings coverage of net charge-offs (x) | 13.3357% | 2,468 |
| Efficiency ratio | 71.8588% | 1,921 |
| Assets per employee ($millions) | 3.2146% | 4,818 |
| Cash dividends to net income (ytd only)* | 8.7743% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 3,353 |
| Loan loss allowance to noncurrent loans | 55.3543% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 1.1181% | 1,194 |
| Noncurrent loans to loans | 1.9041% | 724 |
| Net loans and leases to total assets | 45.4027% | 4,762 |
| Net loans and leases to deposits | 54.5136% | 4,730 |
| Net loans and leases to core deposits | 57.4605% | 4,717 |
| Total domestic deposits to total assets | 83.2869% | 3,229 |
| Equity capital to assets | 12.0269% | 1,874 |
| Core capital (leverage) ratio | 11.9199% | 1,791 |
| Tier 1 risk-based capital ratio | 18.9354% | 1,531 |
| Total risk-based capital ratio | 19.7128% | 1,580 |
| Memoranda: | ||
| Average total assets | $1,633,811,800 | 499 |
| Average earning assets | $1,481,992,200 | 504 |
| Average equity | $190,597,200 | 468 |
| Average total loans | $755,974,800 | 735 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,884 |
| Cost of funding earning assets | 0.5242% | 3,031 |
| Net interest margin | 3.4888% | 3,730 |
| Noninterest income to average assets | 0.9280% | 1,114 |
| Noninterest expense to average assets | 2.9792% | 2,076 |
| Loan and lease loss provision to assets | 0.0984% | 2,023 |
| Net operating income to assets | 0.8887% | 3,590 |
| Return on assets (ROA) | 0.8889% | 3,590 |
| Pretax return on assets | 1.0121% | 3,681 |
| Return on Equity (ROE) | 7.6799% | 3,674 |
| Retained earnings to average equity (ytd only) | 6.9725% | 2,139 |
| Net charge-offs to loans | 0.0904% | 1,598 |
| Credit loss provision to net charge-offs | 234.7656% | 1,233 |
| Earnings coverage of net charge-offs (x) | 26.4844% | 1,743 |
| Efficiency ratio | 72.8501% | 1,758 |
| Assets per employee ($millions) | 3.2010% | 4,886 |
| Cash dividends to net income (ytd only)* | 9.2115% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 3,429 |
| Loan loss allowance to noncurrent loans | 60.5682% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.1605% | 1,223 |
| Noncurrent loans to loans | 1.7449% | 887 |
| Net loans and leases to total assets | 47.3124% | 4,747 |
| Net loans and leases to deposits | 57.0211% | 4,699 |
| Net loans and leases to core deposits | 59.8325% | 4,712 |
| Total domestic deposits to total assets | 82.9736% | 3,316 |
| Equity capital to assets | 11.2985% | 2,395 |
| Core capital (leverage) ratio | 11.6730% | 2,023 |
| Tier 1 risk-based capital ratio | 18.3341% | 1,714 |
| Total risk-based capital ratio | 19.1279% | 1,787 |
| Memoranda: | ||
| Average total assets | $1,628,380,500 | 496 |
| Average earning assets | $1,475,596,500 | 502 |
| Average equity | $188,469,000 | 468 |
| Average total loans | $755,052,250 | 734 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,930 |
| Cost of funding earning assets | 0.4931% | 3,056 |
| Net interest margin | 3.4562% | 3,780 |
| Noninterest income to average assets | 0.9116% | 1,151 |
| Noninterest expense to average assets | 2.9789% | 2,102 |
| Loan and lease loss provision to assets | 0.1149% | 1,725 |
| Net operating income to assets | 0.8493% | 3,682 |
| Return on assets (ROA) | 0.8497% | 3,680 |
| Pretax return on assets | 0.9535% | 3,794 |
| Return on Equity (ROE) | 7.2831% | 3,801 |
| Retained earnings to average equity (ytd only) | 6.2294% | 2,447 |
| Net charge-offs to loans | 0.0935% | 1,412 |
| Credit loss provision to net charge-offs | 267.9083% | 1,091 |
| Earnings coverage of net charge-offs (x) | 24.8968% | 1,659 |
| Efficiency ratio | 73.6073% | 1,773 |
| Assets per employee ($millions) | 3.1901% | 4,939 |
| Cash dividends to net income (ytd only)* | 14.4676% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,449 |
| Loan loss allowance to noncurrent loans | 54.6485% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.2316% | 1,164 |
| Noncurrent loans to loans | 1.9539% | 779 |
| Net loans and leases to total assets | 45.8574% | 4,833 |
| Net loans and leases to deposits | 56.0080% | 4,755 |
| Net loans and leases to core deposits | 58.3801% | 4,777 |
| Total domestic deposits to total assets | 81.8767% | 3,760 |
| Equity capital to assets | 11.4810% | 2,212 |
| Core capital (leverage) ratio | 11.4292% | 2,132 |
| Tier 1 risk-based capital ratio | 18.3072% | 1,724 |
| Total risk-based capital ratio | 19.1065% | 1,805 |
| Memoranda: | ||
| Average total assets | $1,627,000,670 | 497 |
| Average earning assets | $1,475,958,000 | 502 |
| Average equity | $189,808,330 | 462 |
| Average total loans | $746,524,670 | 741 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9106% | 3,900 |
| Cost of funding earning assets | 0.4562% | 3,157 |
| Net interest margin | 3.4543% | 3,692 |
| Noninterest income to average assets | 0.9101% | 1,123 |
| Noninterest expense to average assets | 2.9592% | 2,177 |
| Loan and lease loss provision to assets | 0.1484% | 1,227 |
| Net operating income to assets | 0.8374% | 3,567 |
| Return on assets (ROA) | 0.8381% | 3,579 |
| Pretax return on assets | 0.9358% | 3,742 |
| Return on Equity (ROE) | 7.1266% | 3,738 |
| Retained earnings to average equity (ytd only) | 5.0237% | 3,159 |
| Net charge-offs to loans | 0.0981% | 1,199 |
| Credit loss provision to net charge-offs | 331.4917% | 769 |
| Earnings coverage of net charge-offs (x) | 24.2044% | 1,365 |
| Efficiency ratio | 73.2000% | 2,013 |
| Assets per employee ($millions) | 3.1529% | 5,042 |
| Cash dividends to net income (ytd only)* | 29.5072% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 3,647 |
| Loan loss allowance to noncurrent loans | 53.3351% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 1,250 |
| Noncurrent loans to loans | 1.9720% | 822 |
| Net loans and leases to total assets | 45.8800% | 4,799 |
| Net loans and leases to deposits | 56.9429% | 4,648 |
| Net loans and leases to core deposits | 59.1832% | 4,691 |
| Total domestic deposits to total assets | 80.5720% | 4,302 |
| Equity capital to assets | 11.4692% | 2,157 |
| Core capital (leverage) ratio | 11.3924% | 2,092 |
| Tier 1 risk-based capital ratio | 18.0282% | 1,833 |
| Total risk-based capital ratio | 18.8140% | 1,911 |
| Memoranda: | ||
| Average total assets | $1,617,451,500 | 505 |
| Average earning assets | $1,466,794,000 | 508 |
| Average equity | $190,218,000 | 469 |
| Average total loans | $738,284,000 | 747 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8319% | 3,942 |
| Cost of funding earning assets | 0.5030% | 2,309 |
| Net interest margin | 3.3289% | 4,074 |
| Noninterest income to average assets | 0.9936% | 1,032 |
| Noninterest expense to average assets | 2.9524% | 2,286 |
| Loan and lease loss provision to assets | 0.1806% | 1,190 |
| Net operating income to assets | 0.6713% | 3,725 |
| Return on assets (ROA) | 0.6949% | 3,676 |
| Pretax return on assets | 0.9102% | 3,887 |
| Return on Equity (ROE) | 5.9067% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.2187% | 1,991 |
| Net charge-offs to loans | 0.2718% | 958 |
| Credit loss provision to net charge-offs | 155.6330% | 1,722 |
| Earnings coverage of net charge-offs (x) | 9.1330% | 2,821 |
| Efficiency ratio | 73.4929% | 1,984 |
| Assets per employee ($millions) | 3.0218% | 5,182 |
| Cash dividends to net income (ytd only)* | 11.6477% | 3,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 3,606 |
| Loan loss allowance to noncurrent loans | 48.4152% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2635% | 1,153 |
| Noncurrent loans to loans | 2.1756% | 675 |
| Net loans and leases to total assets | 44.4320% | 4,957 |
| Net loans and leases to deposits | 55.3334% | 4,834 |
| Net loans and leases to core deposits | 57.5108% | 4,872 |
| Total domestic deposits to total assets | 80.2988% | 4,280 |
| Equity capital to assets | 12.0584% | 1,792 |
| Core capital (leverage) ratio | 11.4339% | 1,989 |
| Tier 1 risk-based capital ratio | 18.4146% | 1,673 |
| Total risk-based capital ratio | 19.1852% | 1,766 |
| Memoranda: | ||
| Average total assets | $1,606,232,200 | 491 |
| Average earning assets | $1,456,554,200 | 490 |
| Average equity | $188,953,600 | 459 |
| Average total loans | $685,786,800 | 762 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 3,967 |
| Cost of funding earning assets | 0.5172% | 2,133 |
| Net interest margin | 3.2937% | 4,191 |
| Noninterest income to average assets | 0.9981% | 1,028 |
| Noninterest expense to average assets | 2.9796% | 2,166 |
| Loan and lease loss provision to assets | 0.1688% | 1,199 |
| Net operating income to assets | 0.7527% | 3,725 |
| Return on assets (ROA) | 0.7898% | 3,618 |
| Pretax return on assets | 0.8781% | 4,111 |
| Return on Equity (ROE) | 6.7558% | 3,785 |
| Retained earnings to average equity (ytd only) | 6.0466% | 2,201 |
| Net charge-offs to loans | 0.2005% | 1,063 |
| Credit loss provision to net charge-offs | 199.8037% | 1,351 |
| Earnings coverage of net charge-offs (x) | 11.9039% | 2,465 |
| Efficiency ratio | 74.6422% | 1,800 |
| Assets per employee ($millions) | 3.0198% | 5,249 |
| Cash dividends to net income (ytd only)* | 10.4976% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,705 |
| Loan loss allowance to noncurrent loans | 58.7580% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1535% | 1,430 |
| Noncurrent loans to loans | 1.8120% | 983 |
| Net loans and leases to total assets | 43.8652% | 5,036 |
| Net loans and leases to deposits | 54.3826% | 4,945 |
| Net loans and leases to core deposits | 56.4702% | 4,976 |
| Total domestic deposits to total assets | 80.6605% | 4,151 |
| Equity capital to assets | 12.2773% | 1,789 |
| Core capital (leverage) ratio | 10.7656% | 2,678 |
| Tier 1 risk-based capital ratio | 17.7773% | 1,916 |
| Total risk-based capital ratio | 18.5641% | 2,014 |
| Memoranda: | ||
| Average total assets | $1,608,152,750 | 495 |
| Average earning assets | $1,458,456,750 | 493 |
| Average equity | $188,002,000 | 462 |
| Average total loans | $677,776,250 | 775 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 4,025 |
| Cost of funding earning assets | 0.5255% | 1,959 |
| Net interest margin | 3.2371% | 4,300 |
| Noninterest income to average assets | 1.0153% | 985 |
| Noninterest expense to average assets | 2.9405% | 2,297 |
| Loan and lease loss provision to assets | 0.1874% | 1,005 |
| Net operating income to assets | 0.7396% | 3,675 |
| Return on assets (ROA) | 0.7508% | 3,691 |
| Pretax return on assets | 0.8345% | 4,143 |
| Return on Equity (ROE) | 6.5302% | 3,810 |
| Retained earnings to average equity (ytd only) | 5.4508% | 2,438 |
| Net charge-offs to loans | 0.3199% | 635 |
| Credit loss provision to net charge-offs | 141.3858% | 1,579 |
| Earnings coverage of net charge-offs (x) | 7.6170% | 2,587 |
| Efficiency ratio | 74.2578% | 1,963 |
| Assets per employee ($millions) | 3.0968% | 5,190 |
| Cash dividends to net income (ytd only)* | 16.5289% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0111% | 4,076 |
| Loan loss allowance to noncurrent loans | 55.3692% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 1,505 |
| Noncurrent loans to loans | 1.8261% | 980 |
| Net loans and leases to total assets | 42.1060% | 5,139 |
| Net loans and leases to deposits | 53.3130% | 5,001 |
| Net loans and leases to core deposits | 55.4671% | 5,024 |
| Total domestic deposits to total assets | 78.9788% | 4,624 |
| Equity capital to assets | 12.0109% | 1,916 |
| Core capital (leverage) ratio | 10.3955% | 3,027 |
| Tier 1 risk-based capital ratio | 17.4142% | 2,036 |
| Total risk-based capital ratio | 18.1398% | 2,142 |
| Memoranda: | ||
| Average total assets | $1,611,705,330 | 492 |
| Average earning assets | $1,461,120,670 | 494 |
| Average equity | $185,293,000 | 466 |
| Average total loans | $667,606,330 | 786 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6107% | 4,390 |
| Cost of funding earning assets | 0.4920% | 2,154 |
| Net interest margin | 3.1187% | 4,607 |
| Noninterest income to average assets | 1.0295% | 951 |
| Noninterest expense to average assets | 2.9473% | 2,308 |
| Loan and lease loss provision to assets | 0.0647% | 2,506 |
| Net operating income to assets | 0.7498% | 3,477 |
| Return on assets (ROA) | 0.7633% | 3,462 |
| Pretax return on assets | 0.8574% | 3,909 |
| Return on Equity (ROE) | 6.7924% | 3,501 |
| Retained earnings to average equity (ytd only) | 4.5785% | 3,137 |
| Net charge-offs to loans | 0.0670% | 1,662 |
| Credit loss provision to net charge-offs | 236.3636% | 920 |
| Earnings coverage of net charge-offs (x) | 33.1364% | 1,154 |
| Efficiency ratio | 76.0893% | 1,891 |
| Assets per employee ($millions) | 3.1129% | 5,256 |
| Cash dividends to net income (ytd only)* | 32.5945% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 4,234 |
| Loan loss allowance to noncurrent loans | 41.8643% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 1.3371% | 1,264 |
| Noncurrent loans to loans | 2.4071% | 670 |
| Net loans and leases to total assets | 40.1169% | 5,248 |
| Net loans and leases to deposits | 50.8552% | 5,074 |
| Net loans and leases to core deposits | 52.7990% | 5,115 |
| Total domestic deposits to total assets | 78.8846% | 4,842 |
| Equity capital to assets | 11.2456% | 2,388 |
| Core capital (leverage) ratio | 10.5554% | 2,839 |
| Tier 1 risk-based capital ratio | 17.6819% | 1,978 |
| Total risk-based capital ratio | 18.3967% | 2,087 |
| Memoranda: | ||
| Average total assets | $1,607,732,000 | 495 |
| Average earning assets | $1,456,132,500 | 494 |
| Average equity | $180,672,000 | 472 |
| Average total loans | $656,941,500 | 800 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 3,932 |
| Cost of funding earning assets | 0.5094% | 2,020 |
| Net interest margin | 3.2841% | 4,193 |
| Noninterest income to average assets | 0.9460% | 1,273 |
| Noninterest expense to average assets | 2.9265% | 2,581 |
| Loan and lease loss provision to assets | 0.0649% | 3,072 |
| Net operating income to assets | 0.8343% | 3,130 |
| Return on assets (ROA) | 0.8443% | 3,206 |
| Pretax return on assets | 0.9405% | 3,691 |
| Return on Equity (ROE) | 7.0318% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.3302% | 1,541 |
| Net charge-offs to loans | 0.0694% | 2,703 |
| Credit loss provision to net charge-offs | 233.5664% | 1,235 |
| Earnings coverage of net charge-offs (x) | 35.7762% | 1,275 |
| Efficiency ratio | 73.2855% | 2,377 |
| Assets per employee ($millions) | 3.0291% | 5,327 |
| Cash dividends to net income (ytd only)* | 9.9770% | 4,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 4,317 |
| Loan loss allowance to noncurrent loans | 39.3890% | 4,898 |
| Noncurrent assets plus other real estate owned to assets | 1.4223% | 1,196 |
| Noncurrent loans to loans | 2.5419% | 615 |
| Net loans and leases to total assets | 40.7962% | 5,280 |
| Net loans and leases to deposits | 49.7948% | 5,221 |
| Net loans and leases to core deposits | 51.8249% | 5,235 |
| Total domestic deposits to total assets | 81.9285% | 4,096 |
| Equity capital to assets | 11.2295% | 2,385 |
| Core capital (leverage) ratio | 10.7050% | 2,650 |
| Tier 1 risk-based capital ratio | 17.7213% | 1,936 |
| Total risk-based capital ratio | 18.4306% | 2,056 |
| Memoranda: | ||
| Average total assets | $1,543,370,000 | 498 |
| Average earning assets | $1,398,041,000 | 498 |
| Average equity | $185,301,200 | 449 |
| Average total loans | $617,998,800 | 809 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,087 |
| Cost of funding earning assets | 0.5114% | 2,004 |
| Net interest margin | 3.2372% | 4,383 |
| Noninterest income to average assets | 0.9781% | 1,192 |
| Noninterest expense to average assets | 3.0058% | 2,307 |
| Loan and lease loss provision to assets | 0.0609% | 3,022 |
| Net operating income to assets | 0.7526% | 3,593 |
| Return on assets (ROA) | 0.7658% | 3,669 |
| Pretax return on assets | 0.8604% | 4,120 |
| Return on Equity (ROE) | 6.2736% | 3,943 |
| Retained earnings to average equity (ytd only) | 5.5615% | 2,453 |
| Net charge-offs to loans | 0.0048% | 3,743 |
| Credit loss provision to net charge-offs | 3,186.3636% | 165 |
| Earnings coverage of net charge-offs (x) | 474.1330% | 187 |
| Efficiency ratio | 75.4060% | 2,048 |
| Assets per employee ($millions) | 3.0020% | 5,393 |
| Cash dividends to net income (ytd only)* | 11.3507% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0289% | 4,260 |
| Loan loss allowance to noncurrent loans | 29.7978% | 5,176 |
| Noncurrent assets plus other real estate owned to assets | 1.9406% | 812 |
| Noncurrent loans to loans | 3.4530% | 379 |
| Net loans and leases to total assets | 41.2497% | 5,325 |
| Net loans and leases to deposits | 51.2809% | 5,240 |
| Net loans and leases to core deposits | 53.4575% | 5,244 |
| Total domestic deposits to total assets | 80.4387% | 4,407 |
| Equity capital to assets | 12.5208% | 1,766 |
| Core capital (leverage) ratio | 10.6098% | 2,864 |
| Tier 1 risk-based capital ratio | 18.0044% | 1,919 |
| Total risk-based capital ratio | 18.7511% | 2,042 |
| Memoranda: | ||
| Average total assets | $1,533,911,250 | 501 |
| Average earning assets | $1,390,370,250 | 502 |
| Average equity | $187,236,250 | 451 |
| Average total loans | $609,599,750 | 814 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7017% | 4,296 |
| Cost of funding earning assets | 0.5117% | 2,013 |
| Net interest margin | 3.1900% | 4,574 |
| Noninterest income to average assets | 0.9475% | 1,244 |
| Noninterest expense to average assets | 2.9978% | 2,355 |
| Loan and lease loss provision to assets | 0.0261% | 3,611 |
| Net operating income to assets | 0.7213% | 3,692 |
| Return on assets (ROA) | 0.7411% | 3,755 |
| Pretax return on assets | 0.8345% | 4,178 |
| Return on Equity (ROE) | 6.1246% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.0442% | 2,707 |
| Net charge-offs to loans | -0.0134% | 4,792 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5676% | 1,998 |
| Assets per employee ($millions) | 2.9983% | 5,442 |
| Cash dividends to net income (ytd only)* | 17.6398% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 4,395 |
| Loan loss allowance to noncurrent loans | 25.9646% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 2.0352% | 804 |
| Noncurrent loans to loans | 3.9341% | 300 |
| Net loans and leases to total assets | 38.7749% | 5,478 |
| Net loans and leases to deposits | 49.2697% | 5,369 |
| Net loans and leases to core deposits | 51.3132% | 5,388 |
| Total domestic deposits to total assets | 78.6993% | 4,848 |
| Equity capital to assets | 12.4865% | 1,780 |
| Core capital (leverage) ratio | 10.4108% | 3,065 |
| Tier 1 risk-based capital ratio | 18.1518% | 1,891 |
| Total risk-based capital ratio | 18.8730% | 1,999 |
| Memoranda: | ||
| Average total assets | $1,529,866,000 | 502 |
| Average earning assets | $1,385,320,330 | 503 |
| Average equity | $185,122,670 | 455 |
| Average total loans | $598,009,670 | 825 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,375 |
| Cost of funding earning assets | 0.5161% | 1,979 |
| Net interest margin | 3.1701% | 4,675 |
| Noninterest income to average assets | 0.8603% | 1,416 |
| Noninterest expense to average assets | 3.0283% | 2,301 |
| Loan and lease loss provision to assets | 0.0066% | 3,592 |
| Net operating income to assets | 0.6183% | 4,100 |
| Return on assets (ROA) | 0.6534% | 4,080 |
| Pretax return on assets | 0.7302% | 4,417 |
| Return on Equity (ROE) | 5.4889% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.2801% | 3,854 |
| Net charge-offs to loans | -0.0950% | 5,612 |
| Credit loss provision to net charge-offs | -17.7305% | 4,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5751% | 1,655 |
| Assets per employee ($millions) | 2.9889% | 5,519 |
| Cash dividends to net income (ytd only)* | 40.2414% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 4,478 |
| Loan loss allowance to noncurrent loans | 22.9445% | 5,412 |
| Noncurrent assets plus other real estate owned to assets | 2.2572% | 713 |
| Noncurrent loans to loans | 4.4603% | 245 |
| Net loans and leases to total assets | 38.7344% | 5,520 |
| Net loans and leases to deposits | 47.8532% | 5,422 |
| Net loans and leases to core deposits | 49.7408% | 5,449 |
| Total domestic deposits to total assets | 80.9441% | 4,508 |
| Equity capital to assets | 12.0328% | 2,015 |
| Core capital (leverage) ratio | 10.2414% | 3,271 |
| Tier 1 risk-based capital ratio | 18.0845% | 1,961 |
| Total risk-based capital ratio | 18.8068% | 2,075 |
| Memoranda: | ||
| Average total assets | $1,521,245,000 | 503 |
| Average earning assets | $1,374,974,000 | 502 |
| Average equity | $181,094,000 | 459 |
| Average total loans | $593,974,000 | 827 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8746% | 3,791 |
| Cost of funding earning assets | 0.5414% | 1,832 |
| Net interest margin | 3.3332% | 4,173 |
| Noninterest income to average assets | 0.9954% | 1,187 |
| Noninterest expense to average assets | 3.0899% | 2,271 |
| Loan and lease loss provision to assets | 0.1568% | 1,491 |
| Net operating income to assets | 0.6748% | 3,928 |
| Return on assets (ROA) | 0.7720% | 3,535 |
| Pretax return on assets | 0.8546% | 4,005 |
| Return on Equity (ROE) | 6.6886% | 3,689 |
| Retained earnings to average equity (ytd only) | 5.2246% | 2,259 |
| Net charge-offs to loans | 0.3400% | 874 |
| Credit loss provision to net charge-offs | 120.3818% | 2,141 |
| Earnings coverage of net charge-offs (x) | 6.9376% | 3,151 |
| Efficiency ratio | 75.5359% | 2,345 |
| Assets per employee ($millions) | 2.8971% | 5,617 |
| Cash dividends to net income (ytd only)* | 21.8886% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0083% | 4,556 |
| Loan loss allowance to noncurrent loans | 23.5459% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 2.3090% | 701 |
| Noncurrent loans to loans | 4.2821% | 261 |
| Net loans and leases to total assets | 38.5621% | 5,596 |
| Net loans and leases to deposits | 47.6050% | 5,497 |
| Net loans and leases to core deposits | 49.2243% | 5,530 |
| Total domestic deposits to total assets | 81.0045% | 4,482 |
| Equity capital to assets | 11.7748% | 2,131 |
| Core capital (leverage) ratio | 10.3882% | 3,063 |
| Tier 1 risk-based capital ratio | 18.3019% | 1,883 |
| Total risk-based capital ratio | 19.0214% | 1,979 |
| Memoranda: | ||
| Average total assets | $1,488,348,600 | 479 |
| Average earning assets | $1,338,612,600 | 484 |
| Average equity | $171,784,000 | 465 |
| Average total loans | $570,041,600 | 824 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 3,792 |
| Cost of funding earning assets | 0.5480% | 1,819 |
| Net interest margin | 3.3373% | 4,189 |
| Noninterest income to average assets | 1.0182% | 1,147 |
| Noninterest expense to average assets | 3.1120% | 2,192 |
| Loan and lease loss provision to assets | 0.1878% | 1,088 |
| Net operating income to assets | 0.6359% | 4,207 |
| Return on assets (ROA) | 0.7553% | 3,757 |
| Pretax return on assets | 0.8521% | 4,164 |
| Return on Equity (ROE) | 6.5776% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.7939% | 2,372 |
| Net charge-offs to loans | 0.4217% | 607 |
| Credit loss provision to net charge-offs | 116.7879% | 2,034 |
| Earnings coverage of net charge-offs (x) | 5.6329% | 3,178 |
| Efficiency ratio | 75.5443% | 2,311 |
| Assets per employee ($millions) | 2.8862% | 5,671 |
| Cash dividends to net income (ytd only)* | 11.9147% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 4,745 |
| Loan loss allowance to noncurrent loans | 21.4868% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 2.5241% | 684 |
| Noncurrent loans to loans | 4.6567% | 233 |
| Net loans and leases to total assets | 39.0567% | 5,644 |
| Net loans and leases to deposits | 48.0861% | 5,558 |
| Net loans and leases to core deposits | 49.7640% | 5,585 |
| Total domestic deposits to total assets | 81.2224% | 4,416 |
| Equity capital to assets | 11.8480% | 2,221 |
| Core capital (leverage) ratio | 10.2659% | 3,289 |
| Tier 1 risk-based capital ratio | 18.2446% | 1,973 |
| Total risk-based capital ratio | 18.9556% | 2,080 |
| Memoranda: | ||
| Average total assets | $1,481,645,250 | 482 |
| Average earning assets | $1,331,683,000 | 488 |
| Average equity | $170,128,000 | 475 |
| Average total loans | $564,994,500 | 837 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,994 |
| Cost of funding earning assets | 0.5498% | 1,816 |
| Net interest margin | 3.2690% | 4,421 |
| Noninterest income to average assets | 0.9899% | 1,200 |
| Noninterest expense to average assets | 3.0599% | 2,364 |
| Loan and lease loss provision to assets | 0.1857% | 1,088 |
| Net operating income to assets | 0.6038% | 4,330 |
| Return on assets (ROA) | 0.7650% | 3,666 |
| Pretax return on assets | 0.8616% | 4,092 |
| Return on Equity (ROE) | 6.7341% | 3,768 |
| Retained earnings to average equity (ytd only) | 5.5454% | 2,512 |
| Net charge-offs to loans | 0.4292% | 598 |
| Credit loss provision to net charge-offs | 114.7746% | 1,868 |
| Earnings coverage of net charge-offs (x) | 5.3539% | 2,929 |
| Efficiency ratio | 75.8401% | 2,390 |
| Assets per employee ($millions) | 2.8612% | 5,753 |
| Cash dividends to net income (ytd only)* | 17.6523% | 3,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 4,852 |
| Loan loss allowance to noncurrent loans | 18.0846% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 2.8180% | 620 |
| Noncurrent loans to loans | 5.5517% | 189 |
| Net loans and leases to total assets | 38.2882% | 5,725 |
| Net loans and leases to deposits | 46.8783% | 5,636 |
| Net loans and leases to core deposits | 48.5494% | 5,677 |
| Total domestic deposits to total assets | 81.6759% | 4,397 |
| Equity capital to assets | 11.2799% | 2,591 |
| Core capital (leverage) ratio | 10.0366% | 3,543 |
| Tier 1 risk-based capital ratio | 18.1631% | 2,022 |
| Total risk-based capital ratio | 18.8679% | 2,130 |
| Memoranda: | ||
| Average total assets | $1,481,020,330 | 487 |
| Average earning assets | $1,330,270,000 | 488 |
| Average equity | $168,248,000 | 480 |
| Average total loans | $558,236,000 | 844 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 4,126 |
| Cost of funding earning assets | 0.5488% | 1,858 |
| Net interest margin | 3.2225% | 4,517 |
| Noninterest income to average assets | 0.9576% | 1,216 |
| Noninterest expense to average assets | 3.0636% | 2,384 |
| Loan and lease loss provision to assets | 0.0742% | 2,460 |
| Net operating income to assets | 0.6543% | 4,027 |
| Return on assets (ROA) | 0.7124% | 3,865 |
| Pretax return on assets | 0.7831% | 4,301 |
| Return on Equity (ROE) | 6.2494% | 3,900 |
| Retained earnings to average equity (ytd only) | 3.8840% | 3,672 |
| Net charge-offs to loans | 0.2377% | 1,001 |
| Credit loss provision to net charge-offs | 83.8415% | 1,794 |
| Earnings coverage of net charge-offs (x) | 8.9695% | 2,047 |
| Efficiency ratio | 77.2985% | 2,297 |
| Assets per employee ($millions) | 2.8390% | 5,842 |
| Cash dividends to net income (ytd only)* | 37.8501% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 5,026 |
| Loan loss allowance to noncurrent loans | 16.1563% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 2.9448% | 650 |
| Noncurrent loans to loans | 6.1876% | 173 |
| Net loans and leases to total assets | 36.5636% | 5,801 |
| Net loans and leases to deposits | 44.6873% | 5,727 |
| Net loans and leases to core deposits | 46.2117% | 5,746 |
| Total domestic deposits to total assets | 81.8210% | 4,561 |
| Equity capital to assets | 11.6172% | 2,362 |
| Core capital (leverage) ratio | 9.9185% | 3,713 |
| Tier 1 risk-based capital ratio | 18.1650% | 2,091 |
| Total risk-based capital ratio | 18.8526% | 2,228 |
| Memoranda: | ||
| Average total assets | $1,483,340,000 | 482 |
| Average earning assets | $1,334,621,500 | 487 |
| Average equity | $169,104,500 | 480 |
| Average total loans | $551,847,500 | 851 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9851% | 3,777 |
| Cost of funding earning assets | 0.6177% | 1,621 |
| Net interest margin | 3.3673% | 4,341 |
| Noninterest income to average assets | 1.0032% | 1,208 |
| Noninterest expense to average assets | 3.0819% | 2,588 |
| Loan and lease loss provision to assets | 0.0152% | 4,305 |
| Net operating income to assets | 0.8044% | 3,349 |
| Return on assets (ROA) | 0.9897% | 2,510 |
| Pretax return on assets | 1.1067% | 3,054 |
| Return on Equity (ROE) | 9.8170% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.0077% | 1,925 |
| Net charge-offs to loans | 0.3668% | 1,186 |
| Credit loss provision to net charge-offs | 10.8748% | 4,093 |
| Earnings coverage of net charge-offs (x) | 6.5263% | 3,180 |
| Efficiency ratio | 75.0635% | 2,655 |
| Assets per employee ($millions) | 2.7958% | 5,933 |
| Cash dividends to net income (ytd only)* | 38.8034% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 5,022 |
| Loan loss allowance to noncurrent loans | 15.2969% | 5,888 |
| Noncurrent assets plus other real estate owned to assets | 3.1626% | 612 |
| Noncurrent loans to loans | 6.5654% | 160 |
| Net loans and leases to total assets | 37.0995% | 5,896 |
| Net loans and leases to deposits | 45.0389% | 5,842 |
| Net loans and leases to core deposits | 46.2642% | 5,879 |
| Total domestic deposits to total assets | 82.3723% | 4,285 |
| Equity capital to assets | 11.1812% | 2,718 |
| Core capital (leverage) ratio | 10.4080% | 3,052 |
| Tier 1 risk-based capital ratio | 19.4181% | 1,743 |
| Total risk-based capital ratio | 20.1372% | 1,842 |
| Memoranda: | ||
| Average total assets | $1,477,771,400 | 473 |
| Average earning assets | $1,313,232,800 | 483 |
| Average equity | $148,976,400 | 502 |
| Average total loans | $564,076,400 | 790 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0340% | 3,625 |
| Cost of funding earning assets | 0.6331% | 1,575 |
| Net interest margin | 3.4009% | 4,241 |
| Noninterest income to average assets | 0.9989% | 1,230 |
| Noninterest expense to average assets | 3.2196% | 2,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7663% | 3,585 |
| Return on assets (ROA) | 1.0093% | 2,475 |
| Pretax return on assets | 1.0432% | 3,414 |
| Return on Equity (ROE) | 10.2925% | 2,073 |
| Retained earnings to average equity (ytd only) | 5.5326% | 2,721 |
| Net charge-offs to loans | 0.3825% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.4040% | 3,269 |
| Efficiency ratio | 78.1884% | 2,155 |
| Assets per employee ($millions) | 2.7436% | 6,032 |
| Cash dividends to net income (ytd only)* | 46.2467% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 5,075 |
| Loan loss allowance to noncurrent loans | 16.2909% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 3.2294% | 697 |
| Noncurrent loans to loans | 6.3246% | 205 |
| Net loans and leases to total assets | 38.2872% | 5,927 |
| Net loans and leases to deposits | 46.4102% | 5,847 |
| Net loans and leases to core deposits | 47.6977% | 5,900 |
| Total domestic deposits to total assets | 82.4973% | 4,301 |
| Equity capital to assets | 10.8406% | 3,137 |
| Core capital (leverage) ratio | 10.2379% | 3,357 |
| Tier 1 risk-based capital ratio | 18.9445% | 1,918 |
| Total risk-based capital ratio | 19.6789% | 2,043 |
| Memoranda: | ||
| Average total assets | $1,478,163,250 | 466 |
| Average earning assets | $1,309,706,000 | 480 |
| Average equity | $144,956,000 | 507 |
| Average total loans | $566,790,250 | 780 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,598 |
| Cost of funding earning assets | 0.6470% | 1,532 |
| Net interest margin | 3.3893% | 4,223 |
| Noninterest income to average assets | 0.9765% | 1,264 |
| Noninterest expense to average assets | 3.3295% | 1,841 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6458% | 4,123 |
| Return on assets (ROA) | 0.9520% | 2,635 |
| Pretax return on assets | 0.9520% | 3,673 |
| Return on Equity (ROE) | 10.0518% | 2,128 |
| Retained earnings to average equity (ytd only) | 2.7077% | 4,478 |
| Net charge-offs to loans | 0.5976% | 672 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 2.8265% | 3,457 |
| Efficiency ratio | 81.6919% | 1,777 |
| Assets per employee ($millions) | 2.8568% | 5,951 |
| Cash dividends to net income (ytd only)* | 73.0623% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 5,279 |
| Loan loss allowance to noncurrent loans | 16.7209% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 3.1143% | 814 |
| Noncurrent loans to loans | 6.0798% | 251 |
| Net loans and leases to total assets | 37.3601% | 5,990 |
| Net loans and leases to deposits | 45.7152% | 5,895 |
| Net loans and leases to core deposits | 46.9048% | 5,956 |
| Total domestic deposits to total assets | 81.7236% | 4,741 |
| Equity capital to assets | 10.1477% | 3,901 |
| Core capital (leverage) ratio | 9.7290% | 3,999 |
| Tier 1 risk-based capital ratio | 18.6508% | 2,018 |
| Total risk-based capital ratio | 19.3872% | 2,164 |
| Memoranda: | ||
| Average total assets | $1,488,019,330 | 463 |
| Average earning assets | $1,316,618,670 | 476 |
| Average equity | $140,929,330 | 516 |
| Average total loans | $568,920,330 | 770 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0700% | 3,399 |
| Cost of funding earning assets | 0.6602% | 1,511 |
| Net interest margin | 3.4098% | 4,077 |
| Noninterest income to average assets | 0.9782% | 1,181 |
| Noninterest expense to average assets | 3.3420% | 1,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6462% | 3,963 |
| Return on assets (ROA) | 0.9331% | 2,560 |
| Pretax return on assets | 0.9331% | 3,583 |
| Return on Equity (ROE) | 10.2161% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.2161% | 911 |
| Net charge-offs to loans | 0.6548% | 564 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.5650% | 2,851 |
| Efficiency ratio | 81.7429% | 1,960 |
| Assets per employee ($millions) | 2.9239% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1402% | 4,921 |
| Loan loss allowance to noncurrent loans | 21.0010% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 3.1555% | 865 |
| Noncurrent loans to loans | 5.4292% | 373 |
| Net loans and leases to total assets | 37.4262% | 5,987 |
| Net loans and leases to deposits | 45.3320% | 5,898 |
| Net loans and leases to core deposits | 46.5976% | 5,956 |
| Total domestic deposits to total assets | 82.5602% | 4,767 |
| Equity capital to assets | 9.5628% | 4,412 |
| Core capital (leverage) ratio | 9.6957% | 4,003 |
| Tier 1 risk-based capital ratio | 18.5087% | 2,120 |
| Total risk-based capital ratio | 19.3307% | 2,240 |
| Memoranda: | ||
| Average total assets | $1,489,268,000 | 461 |
| Average earning assets | $1,314,691,000 | 474 |
| Average equity | $136,020,500 | 537 |
| Average total loans | $573,034,000 | 769 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1143% | 3,680 |
| Cost of funding earning assets | 0.7559% | 1,470 |
| Net interest margin | 3.3584% | 4,441 |
| Noninterest income to average assets | 1.4015% | 719 |
| Noninterest expense to average assets | 3.2431% | 2,300 |
| Loan and lease loss provision to assets | 0.0746% | 3,624 |
| Net operating income to assets | 1.3252% | 1,194 |
| Return on assets (ROA) | 1.4208% | 1,020 |
| Pretax return on assets | 1.1335% | 2,831 |
| Return on Equity (ROE) | 14.2460% | 896 |
| Retained earnings to average equity (ytd only) | 13.7372% | 208 |
| Net charge-offs to loans | 0.3830% | 1,760 |
| Credit loss provision to net charge-offs | 48.0307% | 3,861 |
| Earnings coverage of net charge-offs (x) | 7.1604% | 2,903 |
| Efficiency ratio | 72.3662% | 3,405 |
| Assets per employee ($millions) | 2.8935% | 5,995 |
| Cash dividends to net income (ytd only)* | 3.5714% | 4,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 4,259 |
| Loan loss allowance to noncurrent loans | 23.2106% | 6,109 |
| Noncurrent assets plus other real estate owned to assets | 3.2429% | 940 |
| Noncurrent loans to loans | 5.5034% | 413 |
| Net loans and leases to total assets | 38.6043% | 6,048 |
| Net loans and leases to deposits | 46.3876% | 5,983 |
| Net loans and leases to core deposits | 47.6352% | 6,054 |
| Total domestic deposits to total assets | 83.2212% | 4,464 |
| Equity capital to assets | 8.6994% | 5,366 |
| Core capital (leverage) ratio | 9.3658% | 4,449 |
| Tier 1 risk-based capital ratio | 17.5372% | 2,395 |
| Total risk-based capital ratio | 18.4693% | 2,496 |
| Memoranda: | ||
| Average total assets | $1,340,047,000 | 496 |
| Average earning assets | $1,178,721,800 | 507 |
| Average equity | $133,652,000 | 540 |
| Average total loans | $543,657,400 | 775 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 4,028 |
| Cost of funding earning assets | 0.7757% | 1,451 |
| Net interest margin | 3.2500% | 4,830 |
| Noninterest income to average assets | 1.4579% | 691 |
| Noninterest expense to average assets | 3.2968% | 2,089 |
| Loan and lease loss provision to assets | 0.0204% | 4,590 |
| Net operating income to assets | 1.3921% | 1,122 |
| Return on assets (ROA) | 1.5227% | 907 |
| Pretax return on assets | 1.1292% | 2,985 |
| Return on Equity (ROE) | 14.7326% | 852 |
| Retained earnings to average equity (ytd only) | 14.5546% | 226 |
| Net charge-offs to loans | 0.3264% | 1,911 |
| Credit loss provision to net charge-offs | 15.2788% | 4,146 |
| Earnings coverage of net charge-offs (x) | 7.6180% | 2,770 |
| Efficiency ratio | 74.2216% | 3,028 |
| Assets per employee ($millions) | 2.9362% | 5,948 |
| Cash dividends to net income (ytd only)* | 1.2080% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,443 |
| Loan loss allowance to noncurrent loans | 20.9907% | 6,222 |
| Noncurrent assets plus other real estate owned to assets | 3.5419% | 952 |
| Noncurrent loans to loans | 6.1465% | 401 |
| Net loans and leases to total assets | 37.6695% | 6,185 |
| Net loans and leases to deposits | 45.4099% | 6,133 |
| Net loans and leases to core deposits | 46.7255% | 6,182 |
| Total domestic deposits to total assets | 82.9545% | 4,591 |
| Equity capital to assets | 8.9271% | 5,269 |
| Core capital (leverage) ratio | 10.0605% | 3,584 |
| Tier 1 risk-based capital ratio | 17.3504% | 2,558 |
| Total risk-based capital ratio | 18.2961% | 2,653 |
| Memoranda: | ||
| Average total assets | $1,304,688,750 | 507 |
| Average earning assets | $1,147,349,750 | 517 |
| Average equity | $134,845,000 | 539 |
| Average total loans | $534,743,000 | 787 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 3,356 |
| Cost of funding earning assets | 0.8198% | 1,307 |
| Net interest margin | 3.3836% | 4,251 |
| Noninterest income to average assets | 0.4071% | 4,473 |
| Noninterest expense to average assets | 3.1639% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8355% | 3,118 |
| Return on assets (ROA) | 0.9643% | 2,639 |
| Pretax return on assets | 0.3436% | 5,766 |
| Return on Equity (ROE) | 8.8455% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.5793% | 1,263 |
| Net charge-offs to loans | 0.2362% | 2,304 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.1588% | 3,808 |
| Efficiency ratio | 90.7325% | 1,006 |
| Assets per employee ($millions) | 2.9195% | 5,986 |
| Cash dividends to net income (ytd only)* | 3.0095% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 3,467 |
| Loan loss allowance to noncurrent loans | 31.7188% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 3.6142% | 1,044 |
| Noncurrent loans to loans | 4.8049% | 696 |
| Net loans and leases to total assets | 41.8427% | 5,907 |
| Net loans and leases to deposits | 51.4429% | 5,736 |
| Net loans and leases to core deposits | 52.6935% | 5,837 |
| Total domestic deposits to total assets | 81.3380% | 5,249 |
| Equity capital to assets | 9.9590% | 3,964 |
| Core capital (leverage) ratio | 10.0096% | 3,497 |
| Tier 1 risk-based capital ratio | 17.9092% | 2,346 |
| Total risk-based capital ratio | 19.0547% | 2,358 |
| Memoranda: | ||
| Average total assets | $1,240,424,330 | 529 |
| Average earning assets | $1,089,356,330 | 547 |
| Average equity | $135,232,670 | 543 |
| Average total loans | $522,501,670 | 806 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1519% | 3,504 |
| Cost of funding earning assets | 0.8375% | 1,326 |
| Net interest margin | 3.3144% | 4,465 |
| Noninterest income to average assets | 1.0646% | 1,313 |
| Noninterest expense to average assets | 3.1298% | 2,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8588% | 2,868 |
| Return on assets (ROA) | 0.8815% | 2,889 |
| Pretax return on assets | 0.8815% | 3,828 |
| Return on Equity (ROE) | 7.7600% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.2543% | 2,046 |
| Net charge-offs to loans | 0.2077% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 1,798 |
| Efficiency ratio | 76.0282% | 2,922 |
| Assets per employee ($millions) | 3.0727% | 5,870 |
| Cash dividends to net income (ytd only)* | 6.5170% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 3,545 |
| Loan loss allowance to noncurrent loans | 33.9833% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 3.9088% | 1,043 |
| Noncurrent loans to loans | 4.6061% | 888 |
| Net loans and leases to total assets | 41.2782% | 5,894 |
| Net loans and leases to deposits | 51.5407% | 5,663 |
| Net loans and leases to core deposits | 52.7535% | 5,766 |
| Total domestic deposits to total assets | 80.0886% | 5,734 |
| Equity capital to assets | 11.3818% | 2,547 |
| Core capital (leverage) ratio | 9.8942% | 3,536 |
| Tier 1 risk-based capital ratio | 17.8987% | 2,409 |
| Total risk-based capital ratio | 19.0905% | 2,394 |
| Memoranda: | ||
| Average total assets | $1,253,372,500 | 527 |
| Average earning assets | $1,105,713,500 | 541 |
| Average equity | $142,371,500 | 525 |
| Average total loans | $525,724,500 | 800 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 3,801 |
| Cost of funding earning assets | 0.9622% | 1,571 |
| Net interest margin | 3.4403% | 4,740 |
| Noninterest income to average assets | 0.8550% | 2,018 |
| Noninterest expense to average assets | 3.0048% | 3,253 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8817% | 2,905 |
| Return on assets (ROA) | 0.9635% | 2,722 |
| Pretax return on assets | 0.9635% | 3,688 |
| Return on Equity (ROE) | 8.2482% | 2,984 |
| Retained earnings to average equity (ytd only) | -7.6286% | 6,555 |
| Net charge-offs to loans | 0.1873% | 3,882 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 11.0685% | 2,074 |
| Efficiency ratio | 74.8290% | 2,928 |
| Assets per employee ($millions) | 3.0864% | 5,863 |
| Cash dividends to net income (ytd only)* | 192.4877% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6094% | 3,271 |
| Loan loss allowance to noncurrent loans | 36.1367% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 4.0107% | 1,066 |
| Noncurrent loans to loans | 4.4538% | 964 |
| Net loans and leases to total assets | 41.2797% | 6,071 |
| Net loans and leases to deposits | 51.5335% | 5,842 |
| Net loans and leases to core deposits | 52.5870% | 5,971 |
| Total domestic deposits to total assets | 80.1026% | 5,637 |
| Equity capital to assets | 11.3365% | 2,595 |
| Core capital (leverage) ratio | 9.7851% | 3,678 |
| Tier 1 risk-based capital ratio | 17.5578% | 2,437 |
| Total risk-based capital ratio | 18.7945% | 2,409 |
| Memoranda: | ||
| Average total assets | $1,264,160,800 | 523 |
| Average earning assets | $1,113,957,400 | 533 |
| Average equity | $147,668,800 | 492 |
| Average total loans | $537,514,400 | 770 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 3,905 |
| Cost of funding earning assets | 0.9911% | 1,616 |
| Net interest margin | 3.4430% | 4,867 |
| Noninterest income to average assets | 0.8522% | 2,023 |
| Noninterest expense to average assets | 2.9950% | 3,251 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8919% | 3,026 |
| Return on assets (ROA) | 0.9525% | 2,959 |
| Pretax return on assets | 0.9525% | 3,903 |
| Return on Equity (ROE) | 8.0946% | 3,243 |
| Retained earnings to average equity (ytd only) | -12.5942% | 6,867 |
| Net charge-offs to loans | 0.2014% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.3799% | 2,195 |
| Efficiency ratio | 74.5747% | 2,894 |
| Assets per employee ($millions) | 3.1022% | 5,845 |
| Cash dividends to net income (ytd only)* | 255.5887% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 3,405 |
| Loan loss allowance to noncurrent loans | 35.9398% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 4.2852% | 1,099 |
| Noncurrent loans to loans | 4.5411% | 1,036 |
| Net loans and leases to total assets | 41.6071% | 6,155 |
| Net loans and leases to deposits | 51.9506% | 5,979 |
| Net loans and leases to core deposits | 53.0941% | 6,111 |
| Total domestic deposits to total assets | 80.0898% | 5,627 |
| Equity capital to assets | 11.1977% | 3,037 |
| Core capital (leverage) ratio | 9.4823% | 4,296 |
| Tier 1 risk-based capital ratio | 17.0530% | 2,712 |
| Total risk-based capital ratio | 18.3032% | 2,663 |
| Memoranda: | ||
| Average total assets | $1,266,164,250 | 527 |
| Average earning assets | $1,116,010,250 | 536 |
| Average equity | $148,985,250 | 486 |
| Average total loans | $540,139,000 | 772 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 3,808 |
| Cost of funding earning assets | 1.0078% | 1,723 |
| Net interest margin | 3.4832% | 4,749 |
| Noninterest income to average assets | 0.8339% | 2,037 |
| Noninterest expense to average assets | 2.9976% | 3,264 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9092% | 2,867 |
| Return on assets (ROA) | 0.9567% | 2,879 |
| Pretax return on assets | 0.9567% | 3,863 |
| Return on Equity (ROE) | 8.0025% | 3,261 |
| Retained earnings to average equity (ytd only) | 7.1301% | 2,033 |
| Net charge-offs to loans | 0.1871% | 3,459 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 11.3602% | 1,968 |
| Efficiency ratio | 74.2670% | 3,035 |
| Assets per employee ($millions) | 3.1693% | 5,710 |
| Cash dividends to net income (ytd only)* | 10.9025% | 3,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6671% | 3,366 |
| Loan loss allowance to noncurrent loans | 33.6884% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 4.5571% | 1,081 |
| Noncurrent loans to loans | 4.9485% | 1,007 |
| Net loans and leases to total assets | 41.9976% | 6,184 |
| Net loans and leases to deposits | 53.3493% | 5,925 |
| Net loans and leases to core deposits | 54.4504% | 6,063 |
| Total domestic deposits to total assets | 78.7220% | 6,013 |
| Equity capital to assets | 12.5025% | 1,814 |
| Core capital (leverage) ratio | 10.8834% | 2,405 |
| Tier 1 risk-based capital ratio | 19.7029% | 1,785 |
| Total risk-based capital ratio | 20.9534% | 1,752 |
| Memoranda: | ||
| Average total assets | $1,269,425,330 | 528 |
| Average earning assets | $1,119,894,330 | 536 |
| Average equity | $151,751,670 | 480 |
| Average total loans | $543,046,330 | 770 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 4,013 |
| Cost of funding earning assets | 1.0314% | 1,798 |
| Net interest margin | 3.4452% | 4,931 |
| Noninterest income to average assets | 0.8512% | 1,942 |
| Noninterest expense to average assets | 2.9674% | 3,399 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9222% | 2,820 |
| Return on assets (ROA) | 0.9671% | 2,806 |
| Pretax return on assets | 0.9671% | 3,805 |
| Return on Equity (ROE) | 8.2782% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.3883% | 2,235 |
| Net charge-offs to loans | 0.1695% | 3,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 12.7100% | 1,581 |
| Efficiency ratio | 73.8270% | 3,123 |
| Assets per employee ($millions) | 3.2091% | 5,751 |
| Cash dividends to net income (ytd only)* | 10.7502% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 3,274 |
| Loan loss allowance to noncurrent loans | 29.9273% | 6,180 |
| Noncurrent assets plus other real estate owned to assets | 4.9503% | 1,059 |
| Noncurrent loans to loans | 5.7388% | 907 |
| Net loans and leases to total assets | 41.6887% | 6,223 |
| Net loans and leases to deposits | 52.5470% | 5,939 |
| Net loans and leases to core deposits | 53.6338% | 6,084 |
| Total domestic deposits to total assets | 79.3360% | 6,006 |
| Equity capital to assets | 11.8900% | 2,119 |
| Core capital (leverage) ratio | 10.5693% | 2,674 |
| Tier 1 risk-based capital ratio | 19.3304% | 1,891 |
| Total risk-based capital ratio | 20.5815% | 1,858 |
| Memoranda: | ||
| Average total assets | $1,273,450,500 | 526 |
| Average earning assets | $1,123,084,000 | 535 |
| Average equity | $148,776,000 | 481 |
| Average total loans | $545,205,500 | 767 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 3,466 |
| Cost of funding earning assets | 1.2717% | 1,609 |
| Net interest margin | 3.6050% | 4,708 |
| Noninterest income to average assets | 0.7037% | 2,581 |
| Noninterest expense to average assets | 3.0289% | 3,487 |
| Loan and lease loss provision to assets | 0.1751% | 4,443 |
| Net operating income to assets | 0.6646% | 3,665 |
| Return on assets (ROA) | 0.8872% | 2,788 |
| Pretax return on assets | 0.8872% | 3,649 |
| Return on Equity (ROE) | 8.3317% | 2,748 |
| Retained earnings to average equity (ytd only) | 6.7960% | 1,594 |
| Net charge-offs to loans | 0.6558% | 2,510 |
| Credit loss provision to net charge-offs | 58.7450% | 5,200 |
| Earnings coverage of net charge-offs (x) | 2.8166% | 3,805 |
| Efficiency ratio | 75.6981% | 2,934 |
| Assets per employee ($millions) | 3.2636% | 5,593 |
| Cash dividends to net income (ytd only)* | 18.4314% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7210% | 3,119 |
| Loan loss allowance to noncurrent loans | 30.0932% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 5.0156% | 1,062 |
| Noncurrent loans to loans | 5.7189% | 903 |
| Net loans and leases to total assets | 42.4640% | 6,341 |
| Net loans and leases to deposits | 53.2229% | 6,124 |
| Net loans and leases to core deposits | 54.3594% | 6,277 |
| Total domestic deposits to total assets | 79.7853% | 5,804 |
| Equity capital to assets | 11.4766% | 2,524 |
| Core capital (leverage) ratio | 10.5158% | 2,709 |
| Tier 1 risk-based capital ratio | 18.9099% | 1,930 |
| Total risk-based capital ratio | 20.1615% | 1,887 |
| Memoranda: | ||
| Average total assets | $1,256,075,800 | 522 |
| Average earning assets | $1,102,742,200 | 534 |
| Average equity | $133,754,600 | 521 |
| Average total loans | $571,018,800 | 739 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 3,124 |
| Cost of funding earning assets | 1.3277% | 1,559 |
| Net interest margin | 3.6640% | 4,505 |
| Noninterest income to average assets | 0.7261% | 2,446 |
| Noninterest expense to average assets | 3.0457% | 3,372 |
| Loan and lease loss provision to assets | 0.1812% | 4,220 |
| Net operating income to assets | 0.7109% | 3,555 |
| Return on assets (ROA) | 0.9688% | 2,608 |
| Pretax return on assets | 0.9688% | 3,520 |
| Return on Equity (ROE) | 9.2824% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.2824% | 1,047 |
| Net charge-offs to loans | 0.7853% | 1,986 |
| Credit loss provision to net charge-offs | 50.1179% | 5,033 |
| Earnings coverage of net charge-offs (x) | 2.4679% | 3,893 |
| Efficiency ratio | 74.7578% | 3,041 |
| Assets per employee ($millions) | 3.2487% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6625% | 3,406 |
| Loan loss allowance to noncurrent loans | 27.0461% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 5.4880% | 1,019 |
| Noncurrent loans to loans | 6.1470% | 893 |
| Net loans and leases to total assets | 43.6124% | 6,365 |
| Net loans and leases to deposits | 54.7723% | 6,137 |
| Net loans and leases to core deposits | 56.1259% | 6,305 |
| Total domestic deposits to total assets | 79.6249% | 5,839 |
| Equity capital to assets | 11.6664% | 2,528 |
| Core capital (leverage) ratio | 10.5250% | 2,841 |
| Tier 1 risk-based capital ratio | 18.6613% | 2,044 |
| Total risk-based capital ratio | 19.9124% | 1,998 |
| Memoranda: | ||
| Average total assets | $1,251,074,250 | 534 |
| Average earning assets | $1,096,673,500 | 541 |
| Average equity | $130,580,500 | 538 |
| Average total loans | $575,932,250 | 742 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0914% | 2,723 |
| Cost of funding earning assets | 1.3673% | 1,563 |
| Net interest margin | 3.7241% | 4,158 |
| Noninterest income to average assets | 0.6563% | 2,789 |
| Noninterest expense to average assets | 3.0502% | 3,431 |
| Loan and lease loss provision to assets | 0.1284% | 4,684 |
| Net operating income to assets | 0.7332% | 3,371 |
| Return on assets (ROA) | 0.9941% | 2,356 |
| Pretax return on assets | 0.9941% | 3,261 |
| Return on Equity (ROE) | 9.9202% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.9202% | 862 |
| Net charge-offs to loans | 0.5660% | 2,412 |
| Credit loss provision to net charge-offs | 48.6914% | 4,615 |
| Earnings coverage of net charge-offs (x) | 3.2666% | 3,233 |
| Efficiency ratio | 75.3591% | 3,126 |
| Assets per employee ($millions) | 3.1857% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 3,066 |
| Loan loss allowance to noncurrent loans | 26.4619% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 6.0148% | 933 |
| Noncurrent loans to loans | 6.7222% | 798 |
| Net loans and leases to total assets | 44.9467% | 6,358 |
| Net loans and leases to deposits | 56.0270% | 6,137 |
| Net loans and leases to core deposits | 58.0170% | 6,268 |
| Total domestic deposits to total assets | 80.2233% | 5,762 |
| Equity capital to assets | 11.0554% | 2,898 |
| Core capital (leverage) ratio | 10.2468% | 2,981 |
| Tier 1 risk-based capital ratio | 17.7399% | 2,254 |
| Total risk-based capital ratio | 18.9919% | 2,216 |
| Memoranda: | ||
| Average total assets | $1,245,761,670 | 537 |
| Average earning assets | $1,089,010,000 | 548 |
| Average equity | $124,835,670 | 560 |
| Average total loans | $580,604,330 | 744 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 2,301 |
| Cost of funding earning assets | 1.4168% | 1,525 |
| Net interest margin | 3.7639% | 3,782 |
| Noninterest income to average assets | 0.7236% | 2,426 |
| Noninterest expense to average assets | 3.1217% | 3,174 |
| Loan and lease loss provision to assets | 0.1288% | 4,385 |
| Net operating income to assets | 0.7500% | 3,272 |
| Return on assets (ROA) | 0.9525% | 2,411 |
| Pretax return on assets | 0.9525% | 3,306 |
| Return on Equity (ROE) | 10.0264% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.0264% | 1,111 |
| Net charge-offs to loans | 0.1868% | 3,378 |
| Credit loss provision to net charge-offs | 146.5201% | 1,935 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,669 |
| Efficiency ratio | 75.4667% | 3,247 |
| Assets per employee ($millions) | 3.2499% | 5,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 2,619 |
| Loan loss allowance to noncurrent loans | 30.3370% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 5.9398% | 984 |
| Noncurrent loans to loans | 6.3325% | 968 |
| Net loans and leases to total assets | 45.4225% | 6,341 |
| Net loans and leases to deposits | 55.8492% | 6,142 |
| Net loans and leases to core deposits | 58.0588% | 6,247 |
| Total domestic deposits to total assets | 81.3306% | 5,558 |
| Equity capital to assets | 9.7791% | 4,059 |
| Core capital (leverage) ratio | 9.9246% | 3,239 |
| Tier 1 risk-based capital ratio | 16.6689% | 2,597 |
| Total risk-based capital ratio | 17.9220% | 2,569 |
| Memoranda: | ||
| Average total assets | $1,242,659,500 | 541 |
| Average earning assets | $1,081,862,500 | 559 |
| Average equity | $118,048,500 | 586 |
| Average total loans | $584,452,500 | 741 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 4,193 |
| Cost of funding earning assets | 1.6341% | 1,892 |
| Net interest margin | 3.4440% | 5,460 |
| Noninterest income to average assets | 0.7230% | 2,690 |
| Noninterest expense to average assets | 2.9216% | 4,137 |
| Loan and lease loss provision to assets | 0.5198% | 3,076 |
| Net operating income to assets | 0.3032% | 4,926 |
| Return on assets (ROA) | 0.5927% | 3,871 |
| Pretax return on assets | 0.5927% | 4,349 |
| Return on Equity (ROE) | 6.1433% | 3,551 |
| Retained earnings to average equity (ytd only) | 5.7350% | 1,972 |
| Net charge-offs to loans | 1.7338% | 1,248 |
| Credit loss provision to net charge-offs | 62.5353% | 6,041 |
| Earnings coverage of net charge-offs (x) | 0.9901% | 5,118 |
| Efficiency ratio | 75.3627% | 3,139 |
| Assets per employee ($millions) | 3.1970% | 5,674 |
| Cash dividends to net income (ytd only)* | 6.6464% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,624 |
| Loan loss allowance to noncurrent loans | 30.1212% | 6,284 |
| Noncurrent assets plus other real estate owned to assets | 6.1791% | 942 |
| Noncurrent loans to loans | 6.2306% | 986 |
| Net loans and leases to total assets | 46.8699% | 6,488 |
| Net loans and leases to deposits | 57.8817% | 6,267 |
| Net loans and leases to core deposits | 60.6020% | 6,348 |
| Total domestic deposits to total assets | 80.9754% | 5,532 |
| Equity capital to assets | 9.2149% | 4,817 |
| Core capital (leverage) ratio | 9.7821% | 3,340 |
| Tier 1 risk-based capital ratio | 16.1232% | 2,688 |
| Total risk-based capital ratio | 17.3761% | 2,645 |
| Memoranda: | ||
| Average total assets | $1,279,351,600 | 527 |
| Average earning assets | $1,122,445,000 | 540 |
| Average equity | $123,434,400 | 551 |
| Average total loans | $613,351,800 | 725 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 4,311 |
| Cost of funding earning assets | 1.6715% | 2,001 |
| Net interest margin | 3.4291% | 5,573 |
| Noninterest income to average assets | 0.7960% | 2,252 |
| Noninterest expense to average assets | 2.9145% | 4,031 |
| Loan and lease loss provision to assets | 0.6194% | 2,460 |
| Net operating income to assets | 0.2788% | 5,245 |
| Return on assets (ROA) | 0.6260% | 3,939 |
| Pretax return on assets | 0.6260% | 4,507 |
| Return on Equity (ROE) | 6.4200% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.8864% | 2,423 |
| Net charge-offs to loans | 2.1943% | 823 |
| Credit loss provision to net charge-offs | 58.8293% | 5,724 |
| Earnings coverage of net charge-offs (x) | 0.8531% | 5,198 |
| Efficiency ratio | 73.8519% | 3,349 |
| Assets per employee ($millions) | 3.2490% | 5,582 |
| Cash dividends to net income (ytd only)* | 8.3113% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 2,765 |
| Loan loss allowance to noncurrent loans | 48.6269% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 4.9339% | 1,313 |
| Noncurrent loans to loans | 3.7150% | 2,095 |
| Net loans and leases to total assets | 46.8920% | 6,627 |
| Net loans and leases to deposits | 58.9316% | 6,385 |
| Net loans and leases to core deposits | 62.1013% | 6,459 |
| Total domestic deposits to total assets | 79.5702% | 5,843 |
| Equity capital to assets | 10.6777% | 3,316 |
| Core capital (leverage) ratio | 9.5907% | 3,780 |
| Tier 1 risk-based capital ratio | 16.2906% | 2,640 |
| Total risk-based capital ratio | 17.5435% | 2,593 |
| Memoranda: | ||
| Average total assets | $1,291,475,750 | 519 |
| Average earning assets | $1,136,214,750 | 528 |
| Average equity | $125,937,500 | 531 |
| Average total loans | $619,706,000 | 718 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 4,282 |
| Cost of funding earning assets | 1.7402% | 1,917 |
| Net interest margin | 3.3922% | 5,671 |
| Noninterest income to average assets | 0.9481% | 1,521 |
| Noninterest expense to average assets | 2.7919% | 4,519 |
| Loan and lease loss provision to assets | 0.6902% | 2,095 |
| Net operating income to assets | 0.4606% | 4,502 |
| Return on assets (ROA) | 0.6474% | 3,791 |
| Pretax return on assets | 0.6474% | 4,409 |
| Return on Equity (ROE) | 6.8478% | 3,373 |
| Retained earnings to average equity (ytd only) | 6.0302% | 2,314 |
| Net charge-offs to loans | 2.4898% | 691 |
| Credit loss provision to net charge-offs | 57.6849% | 5,269 |
| Earnings coverage of net charge-offs (x) | 0.9618% | 4,819 |
| Efficiency ratio | 68.3330% | 4,512 |
| Assets per employee ($millions) | 3.1923% | 5,703 |
| Cash dividends to net income (ytd only)* | 11.9403% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9293% | 2,343 |
| Loan loss allowance to noncurrent loans | 41.6131% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 5.2870% | 1,189 |
| Noncurrent loans to loans | 4.6362% | 1,552 |
| Net loans and leases to total assets | 47.5959% | 6,651 |
| Net loans and leases to deposits | 59.3893% | 6,471 |
| Net loans and leases to core deposits | 62.5875% | 6,505 |
| Total domestic deposits to total assets | 80.1422% | 5,690 |
| Equity capital to assets | 10.3138% | 3,632 |
| Core capital (leverage) ratio | 9.1553% | 4,368 |
| Tier 1 risk-based capital ratio | 15.7512% | 2,778 |
| Total risk-based capital ratio | 16.9628% | 2,763 |
| Memoranda: | ||
| Average total assets | $1,303,928,670 | 507 |
| Average earning assets | $1,151,103,000 | 526 |
| Average equity | $123,279,670 | 541 |
| Average total loans | $626,641,670 | 718 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1577% | 4,258 |
| Cost of funding earning assets | 1.7745% | 1,999 |
| Net interest margin | 3.3832% | 5,648 |
| Noninterest income to average assets | 1.1126% | 1,016 |
| Noninterest expense to average assets | 2.7232% | 4,799 |
| Loan and lease loss provision to assets | 0.9021% | 1,410 |
| Net operating income to assets | 0.4823% | 4,488 |
| Return on assets (ROA) | 0.6552% | 3,751 |
| Pretax return on assets | 0.6552% | 4,390 |
| Return on Equity (ROE) | 7.2400% | 3,225 |
| Retained earnings to average equity (ytd only) | 5.5654% | 2,834 |
| Net charge-offs to loans | 2.7371% | 584 |
| Credit loss provision to net charge-offs | 68.9022% | 4,125 |
| Earnings coverage of net charge-offs (x) | 1.0574% | 4,133 |
| Efficiency ratio | 63.9605% | 5,502 |
| Assets per employee ($millions) | 3.3766% | 5,352 |
| Cash dividends to net income (ytd only)* | 23.1299% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1840% | 1,789 |
| Loan loss allowance to noncurrent loans | 37.6647% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 5.2084% | 1,210 |
| Noncurrent loans to loans | 5.7984% | 1,162 |
| Net loans and leases to total assets | 46.8327% | 6,766 |
| Net loans and leases to deposits | 58.5161% | 6,585 |
| Net loans and leases to core deposits | 61.8830% | 6,611 |
| Total domestic deposits to total assets | 80.0339% | 5,772 |
| Equity capital to assets | 9.3272% | 4,792 |
| Core capital (leverage) ratio | 8.5962% | 5,207 |
| Tier 1 risk-based capital ratio | 15.1010% | 3,066 |
| Total risk-based capital ratio | 16.3579% | 3,021 |
| Memoranda: | ||
| Average total assets | $1,330,197,500 | 516 |
| Average earning assets | $1,177,582,000 | 528 |
| Average equity | $120,386,500 | 559 |
| Average total loans | $636,298,500 | 717 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 4,468 |
| Cost of funding earning assets | 2.2049% | 2,008 |
| Net interest margin | 3.2396% | 5,959 |
| Noninterest income to average assets | 0.5997% | 3,634 |
| Noninterest expense to average assets | 2.6750% | 5,499 |
| Loan and lease loss provision to assets | 2.1785% | 957 |
| Net operating income to assets | -1.1948% | 6,707 |
| Return on assets (ROA) | -0.8145% | 6,446 |
| Pretax return on assets | -0.9088% | 6,348 |
| Return on Equity (ROE) | -9.5681% | 6,587 |
| Retained earnings to average equity (ytd only) | -9.5681% | 6,484 |
| Net charge-offs to loans | 3.3614% | 595 |
| Credit loss provision to net charge-offs | 132.4842% | 3,780 |
| Earnings coverage of net charge-offs (x) | 0.5152% | 5,599 |
| Efficiency ratio | 73.3540% | 4,024 |
| Assets per employee ($millions) | 3.4011% | 5,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3214% | 1,445 |
| Loan loss allowance to noncurrent loans | 35.1249% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 4.6653% | 1,368 |
| Noncurrent loans to loans | 6.6089% | 898 |
| Net loans and leases to total assets | 46.6835% | 6,922 |
| Net loans and leases to deposits | 58.3432% | 6,762 |
| Net loans and leases to core deposits | 69.2377% | 6,817 |
| Total domestic deposits to total assets | 80.0152% | 5,668 |
| Equity capital to assets | 8.7829% | 5,467 |
| Core capital (leverage) ratio | 8.0150% | 6,161 |
| Tier 1 risk-based capital ratio | 14.3253% | 3,304 |
| Total risk-based capital ratio | 15.5837% | 3,249 |
| Memoranda: | ||
| Average total assets | $1,394,140,400 | 491 |
| Average earning assets | $1,257,667,400 | 486 |
| Average equity | $118,676,000 | 557 |
| Average total loans | $682,011,200 | 685 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4780% | 4,533 |
| Cost of funding earning assets | 2.2577% | 2,162 |
| Net interest margin | 3.2203% | 5,947 |
| Noninterest income to average assets | 0.5853% | 3,812 |
| Noninterest expense to average assets | 2.7512% | 5,104 |
| Loan and lease loss provision to assets | 2.1676% | 804 |
| Net operating income to assets | -1.2578% | 6,994 |
| Return on assets (ROA) | -0.9617% | 6,812 |
| Pretax return on assets | -1.0866% | 6,744 |
| Return on Equity (ROE) | -11.3848% | 6,979 |
| Retained earnings to average equity (ytd only) | -11.3848% | 6,905 |
| Net charge-offs to loans | 1.7126% | 1,181 |
| Credit loss provision to net charge-offs | 257.2974% | 1,662 |
| Earnings coverage of net charge-offs (x) | 0.8883% | 5,172 |
| Efficiency ratio | 76.0215% | 3,509 |
| Assets per employee ($millions) | 3.3515% | 5,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1903% | 569 |
| Loan loss allowance to noncurrent loans | 39.2832% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 4.5557% | 1,333 |
| Noncurrent loans to loans | 8.1212% | 590 |
| Net loans and leases to total assets | 45.3301% | 7,152 |
| Net loans and leases to deposits | 56.7337% | 7,043 |
| Net loans and leases to core deposits | 70.1334% | 6,962 |
| Total domestic deposits to total assets | 79.8997% | 5,472 |
| Equity capital to assets | 9.1901% | 5,182 |
| Core capital (leverage) ratio | 7.9655% | 6,420 |
| Tier 1 risk-based capital ratio | 13.9377% | 3,586 |
| Total risk-based capital ratio | 15.2052% | 3,522 |
| Memoranda: | ||
| Average total assets | $1,404,266,000 | 498 |
| Average earning assets | $1,270,794,750 | 495 |
| Average equity | $118,622,750 | 565 |
| Average total loans | $690,778,250 | 690 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5266% | 4,466 |
| Cost of funding earning assets | 2.3095% | 2,323 |
| Net interest margin | 3.2171% | 5,851 |
| Noninterest income to average assets | 0.6369% | 3,431 |
| Noninterest expense to average assets | 2.8516% | 4,726 |
| Loan and lease loss provision to assets | 0.6861% | 2,371 |
| Net operating income to assets | 0.0062% | 5,822 |
| Return on assets (ROA) | 0.4017% | 4,622 |
| Pretax return on assets | 0.4451% | 4,812 |
| Return on Equity (ROE) | 4.9046% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.9046% | 2,560 |
| Net charge-offs to loans | 0.4195% | 3,123 |
| Credit loss provision to net charge-offs | 327.0548% | 1,427 |
| Earnings coverage of net charge-offs (x) | 3.2973% | 3,497 |
| Efficiency ratio | 77.8963% | 3,365 |
| Assets per employee ($millions) | 3.2960% | 5,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5860% | 2,803 |
| Loan loss allowance to noncurrent loans | 28.4401% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 3.3909% | 1,847 |
| Noncurrent loans to loans | 5.5768% | 1,035 |
| Net loans and leases to total assets | 47.5500% | 7,075 |
| Net loans and leases to deposits | 59.5226% | 6,927 |
| Net loans and leases to core deposits | 74.8851% | 6,740 |
| Total domestic deposits to total assets | 79.8857% | 5,513 |
| Equity capital to assets | 8.0910% | 6,641 |
| Core capital (leverage) ratio | 8.1027% | 6,162 |
| Tier 1 risk-based capital ratio | 13.7491% | 3,658 |
| Total risk-based capital ratio | 14.9971% | 3,592 |
| Memoranda: | ||
| Average total assets | $1,391,971,670 | 513 |
| Average earning assets | $1,257,518,670 | 513 |
| Average equity | $114,016,000 | 592 |
| Average total loans | $696,103,670 | 706 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 4,486 |
| Cost of funding earning assets | 2.3067% | 2,664 |
| Net interest margin | 3.2706% | 5,616 |
| Noninterest income to average assets | 0.6228% | 3,399 |
| Noninterest expense to average assets | 2.6212% | 5,367 |
| Loan and lease loss provision to assets | 1.0598% | 1,237 |
| Net operating income to assets | -0.0910% | 6,400 |
| Return on assets (ROA) | 0.3017% | 5,465 |
| Pretax return on assets | 0.3319% | 5,589 |
| Return on Equity (ROE) | 3.6599% | 5,103 |
| Retained earnings to average equity (ytd only) | 3.6599% | 3,864 |
| Net charge-offs to loans | 0.4673% | 2,276 |
| Credit loss provision to net charge-offs | 445.6654% | 1,187 |
| Earnings coverage of net charge-offs (x) | 4.0379% | 2,998 |
| Efficiency ratio | 70.6121% | 4,449 |
| Assets per employee ($millions) | 3.0918% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 3,001 |
| Loan loss allowance to noncurrent loans | 46.5518% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 2.1559% | 2,664 |
| Noncurrent loans to loans | 3.2197% | 2,009 |
| Net loans and leases to total assets | 48.2760% | 7,004 |
| Net loans and leases to deposits | 60.1687% | 6,882 |
| Net loans and leases to core deposits | 77.0526% | 6,604 |
| Total domestic deposits to total assets | 80.2345% | 5,269 |
| Equity capital to assets | 8.2634% | 6,439 |
| Core capital (leverage) ratio | 8.2983% | 5,909 |
| Tier 1 risk-based capital ratio | 13.5089% | 3,859 |
| Total risk-based capital ratio | 14.7566% | 3,784 |
| Memoranda: | ||
| Average total assets | $1,377,678,500 | 519 |
| Average earning assets | $1,246,257,000 | 521 |
| Average equity | $113,555,500 | 590 |
| Average total loans | $700,974,500 | 705 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2121% | 4,452 |
| Cost of funding earning assets | 2.7939% | 2,732 |
| Net interest margin | 3.4182% | 5,586 |
| Noninterest income to average assets | 0.7771% | 2,636 |
| Noninterest expense to average assets | 2.6281% | 5,543 |
| Loan and lease loss provision to assets | 0.7103% | 2,078 |
| Net operating income to assets | 0.5059% | 4,701 |
| Return on assets (ROA) | 0.5442% | 4,407 |
| Pretax return on assets | 0.5720% | 4,775 |
| Return on Equity (ROE) | 6.7402% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.1185% | 2,565 |
| Net charge-offs to loans | 1.0687% | 1,143 |
| Credit loss provision to net charge-offs | 134.8364% | 3,951 |
| Earnings coverage of net charge-offs (x) | 2.3575% | 4,903 |
| Efficiency ratio | 65.4823% | 5,225 |
| Assets per employee ($millions) | 3.0233% | 6,005 |
| Cash dividends to net income (ytd only)* | 38.8958% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 5,485 |
| Loan loss allowance to noncurrent loans | 47.3839% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2942% | 3,636 |
| Noncurrent loans to loans | 2.2570% | 2,442 |
| Net loans and leases to total assets | 52.2929% | 6,820 |
| Net loans and leases to deposits | 65.9873% | 6,645 |
| Net loans and leases to core deposits | 84.2727% | 6,267 |
| Total domestic deposits to total assets | 79.2470% | 5,284 |
| Equity capital to assets | 8.2205% | 6,519 |
| Core capital (leverage) ratio | 7.4904% | 7,216 |
| Tier 1 risk-based capital ratio | 12.1366% | 4,715 |
| Total risk-based capital ratio | 13.0677% | 4,872 |
| Memoranda: | ||
| Average total assets | $1,334,553,600 | 511 |
| Average earning assets | $1,207,506,400 | 515 |
| Average equity | $107,757,000 | 628 |
| Average total loans | $657,817,200 | 721 |