Home > El Dorado Savings Bank, F.S.B. > Performance and Condition Ratios
El Dorado Savings Bank, F.S.B., 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 | 2.6575% | 4,553 |
| Cost of funding earning assets | 0.2473% | 4,418 |
| Net interest margin | 2.4102% | 4,177 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 1.5317% | 4,312 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.8955% | 2,564 |
| Return on assets (ROA) | 0.8969% | 2,532 |
| Pretax return on assets | 1.1427% | 2,282 |
| Return on Equity (ROE) | 8.1100% | 2,991 |
| Retained earnings to average equity (ytd only) | 6.6791% | 1,996 |
| Net charge-offs to loans | 0.0135% | 2,153 |
| Credit loss provision to net charge-offs | -617.1053% | 4,545 |
| Earnings coverage of net charge-offs (x) | 383.1842% | 364 |
| Efficiency ratio | 57.3047% | 3,364 |
| Assets per employee ($millions) | 9.5522% | 812 |
| Cash dividends to net income (ytd only)* | 17.6923% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0752% | 2,957 |
| Loan loss allowance to noncurrent loans | 446.1136% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,225 |
| Noncurrent loans to loans | 0.2410% | 2,343 |
| Net loans and leases to total assets | 22.4600% | 4,383 |
| Net loans and leases to deposits | 25.6930% | 4,396 |
| Net loans and leases to core deposits | 26.8674% | 4,424 |
| Total domestic deposits to total assets | 87.4100% | 1,554 |
| Equity capital to assets | 12.1088% | 1,095 |
| Core capital (leverage) ratio | 11.7221% | 1,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0729% | 128 |
| Memoranda: | ||
| Average total assets | $2,594,402,400 | 448 |
| Average earning assets | $2,508,649,000 | 421 |
| Average equity | $286,762,000 | 413 |
| Average total loans | $563,099,200 | 1,127 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5873% | 4,570 |
| Cost of funding earning assets | 0.1991% | 4,443 |
| Net interest margin | 2.3883% | 4,241 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 1.5131% | 4,307 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.8797% | 2,751 |
| Return on assets (ROA) | 0.8786% | 2,744 |
| Pretax return on assets | 1.1337% | 2,475 |
| Return on Equity (ROE) | 8.1300% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.6977% | 2,395 |
| Net charge-offs to loans | 0.0139% | 1,895 |
| Credit loss provision to net charge-offs | -740.6780% | 4,586 |
| Earnings coverage of net charge-offs (x) | 372.1356% | 384 |
| Efficiency ratio | 57.2151% | 3,291 |
| Assets per employee ($millions) | 9.8568% | 700 |
| Cash dividends to net income (ytd only)* | 17.6104% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 2,989 |
| Loan loss allowance to noncurrent loans | 426.8085% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 3,255 |
| Noncurrent loans to loans | 0.2520% | 2,334 |
| Net loans and leases to total assets | 21.7700% | 4,422 |
| Net loans and leases to deposits | 24.7885% | 4,424 |
| Net loans and leases to core deposits | 25.6684% | 4,421 |
| Total domestic deposits to total assets | 87.8100% | 1,639 |
| Equity capital to assets | 11.4556% | 1,197 |
| Core capital (leverage) ratio | 11.1735% | 1,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2527% | 142 |
| Memoranda: | ||
| Average total assets | $2,631,663,250 | 445 |
| Average earning assets | $2,546,178,500 | 417 |
| Average equity | $284,426,750 | 416 |
| Average total loans | $565,085,750 | 1,123 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5189% | 4,610 |
| Cost of funding earning assets | 0.1603% | 4,464 |
| Net interest margin | 2.3586% | 4,332 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.4954% | 4,335 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.8715% | 2,842 |
| Return on assets (ROA) | 0.8716% | 2,840 |
| Pretax return on assets | 1.1246% | 2,575 |
| Return on Equity (ROE) | 8.2200% | 3,180 |
| Retained earnings to average equity (ytd only) | 6.8097% | 2,351 |
| Net charge-offs to loans | 0.0169% | 1,579 |
| Credit loss provision to net charge-offs | -706.2500% | 4,609 |
| Earnings coverage of net charge-offs (x) | 304.4375% | 444 |
| Efficiency ratio | 57.2310% | 3,278 |
| Assets per employee ($millions) | 9.9111% | 684 |
| Cash dividends to net income (ytd only)* | 17.1682% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0969% | 2,968 |
| Loan loss allowance to noncurrent loans | 427.8631% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.0574% | 3,193 |
| Noncurrent loans to loans | 0.2564% | 2,239 |
| Net loans and leases to total assets | 21.3600% | 4,440 |
| Net loans and leases to deposits | 24.1951% | 4,452 |
| Net loans and leases to core deposits | 24.9666% | 4,449 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 11.0828% | 1,358 |
| Core capital (leverage) ratio | 10.8006% | 2,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.9830% | 139 |
| Memoranda: | ||
| Average total assets | $2,661,197,000 | 426 |
| Average earning assets | $2,575,380,000 | 403 |
| Average equity | $282,128,000 | 405 |
| Average total loans | $566,934,000 | 1,112 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4679% | 4,638 |
| Cost of funding earning assets | 0.1269% | 4,497 |
| Net interest margin | 2.3411% | 4,423 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 1.4615% | 4,419 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.8687% | 2,963 |
| Return on assets (ROA) | 0.8704% | 2,910 |
| Pretax return on assets | 1.1236% | 2,647 |
| Return on Equity (ROE) | 8.3900% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.9681% | 2,503 |
| Net charge-offs to loans | 0.0140% | 1,430 |
| Credit loss provision to net charge-offs | -615.0000% | 4,634 |
| Earnings coverage of net charge-offs (x) | 371.6500% | 299 |
| Efficiency ratio | 56.5695% | 3,349 |
| Assets per employee ($millions) | 10.4153% | 607 |
| Cash dividends to net income (ytd only)* | 16.9789% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1256% | 2,931 |
| Loan loss allowance to noncurrent loans | 373.0094% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,139 |
| Noncurrent loans to loans | 0.3018% | 2,065 |
| Net loans and leases to total assets | 20.9900% | 4,506 |
| Net loans and leases to deposits | 23.6129% | 4,510 |
| Net loans and leases to core deposits | 24.2921% | 4,503 |
| Total domestic deposits to total assets | 88.8900% | 1,582 |
| Equity capital to assets | 10.5777% | 1,523 |
| Core capital (leverage) ratio | 10.2391% | 2,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.1189% | 157 |
| Memoranda: | ||
| Average total assets | $2,698,400,000 | 437 |
| Average earning assets | $2,613,348,000 | 407 |
| Average equity | $279,847,500 | 416 |
| Average total loans | $571,105,500 | 1,124 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9240% | 4,617 |
| Cost of funding earning assets | 0.0976% | 4,401 |
| Net interest margin | 1.8263% | 4,594 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.3277% | 4,548 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6132% | 3,853 |
| Return on assets (ROA) | 0.6100% | 3,808 |
| Pretax return on assets | 0.7523% | 3,737 |
| Return on Equity (ROE) | 6.3900% | 3,754 |
| Retained earnings to average equity (ytd only) | 5.0355% | 3,037 |
| Net charge-offs to loans | 0.0092% | 2,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 403.2453% | 382 |
| Efficiency ratio | 63.1017% | 2,616 |
| Assets per employee ($millions) | 10.6660% | 548 |
| Cash dividends to net income (ytd only)* | 21.1531% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,063 |
| Loan loss allowance to noncurrent loans | 308.8117% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 3,061 |
| Noncurrent loans to loans | 0.3447% | 1,908 |
| Net loans and leases to total assets | 20.8800% | 4,542 |
| Net loans and leases to deposits | 23.3566% | 4,547 |
| Net loans and leases to core deposits | 23.9640% | 4,542 |
| Total domestic deposits to total assets | 89.3900% | 1,603 |
| Equity capital to assets | 10.1689% | 1,628 |
| Core capital (leverage) ratio | 9.7796% | 2,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7296% | 167 |
| Memoranda: | ||
| Average total assets | $2,826,273,600 | 409 |
| Average earning assets | $2,737,512,000 | 390 |
| Average equity | $269,961,000 | 416 |
| Average total loans | $576,388,800 | 1,061 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7990% | 4,636 |
| Cost of funding earning assets | 0.0979% | 4,301 |
| Net interest margin | 1.7011% | 4,614 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.3259% | 4,565 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5169% | 4,039 |
| Return on assets (ROA) | 0.5127% | 3,995 |
| Pretax return on assets | 0.6325% | 3,931 |
| Return on Equity (ROE) | 5.4500% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.1332% | 3,401 |
| Net charge-offs to loans | 0.0104% | 1,729 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 302.9333% | 469 |
| Efficiency ratio | 66.8437% | 2,177 |
| Assets per employee ($millions) | 10.9246% | 504 |
| Cash dividends to net income (ytd only)* | 24.1880% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,221 |
| Loan loss allowance to noncurrent loans | 330.3389% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,235 |
| Noncurrent loans to loans | 0.3195% | 2,097 |
| Net loans and leases to total assets | 20.3500% | 4,587 |
| Net loans and leases to deposits | 22.6613% | 4,596 |
| Net loans and leases to core deposits | 23.2760% | 4,585 |
| Total domestic deposits to total assets | 89.7900% | 1,747 |
| Equity capital to assets | 9.6272% | 1,810 |
| Core capital (leverage) ratio | 9.3395% | 3,241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.3113% | 177 |
| Memoranda: | ||
| Average total assets | $2,850,219,750 | 411 |
| Average earning assets | $2,760,651,250 | 387 |
| Average equity | $268,036,000 | 420 |
| Average total loans | $576,438,250 | 1,062 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6797% | 4,685 |
| Cost of funding earning assets | 0.1015% | 4,176 |
| Net interest margin | 1.5782% | 4,677 |
| Noninterest income to average assets | 0.3142% | 3,283 |
| Noninterest expense to average assets | 1.3216% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4349% | 4,041 |
| Return on assets (ROA) | 0.4305% | 4,002 |
| Pretax return on assets | 0.5160% | 3,968 |
| Return on Equity (ROE) | 4.6140% | 3,889 |
| Retained earnings to average equity (ytd only) | 3.3213% | 3,339 |
| Net charge-offs to loans | 0.0052% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 496.4667% | 262 |
| Efficiency ratio | 70.9766% | 1,831 |
| Assets per employee ($millions) | 10.9938% | 495 |
| Cash dividends to net income (ytd only)* | 28.0163% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 3,401 |
| Loan loss allowance to noncurrent loans | 353.8417% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 3,370 |
| Noncurrent loans to loans | 0.2957% | 2,280 |
| Net loans and leases to total assets | 20.4205% | 4,648 |
| Net loans and leases to deposits | 22.6770% | 4,658 |
| Net loans and leases to core deposits | 23.3172% | 4,655 |
| Total domestic deposits to total assets | 90.0496% | 1,693 |
| Equity capital to assets | 9.4077% | 2,091 |
| Core capital (leverage) ratio | 9.1913% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.0080% | 150 |
| Memoranda: | ||
| Average total assets | $2,857,131,667 | 402 |
| Average earning assets | $2,767,504,333 | 386 |
| Average equity | $266,581,000 | 422 |
| Average total loans | $574,626,000 | 1,053 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5884% | 4,708 |
| Cost of funding earning assets | 0.1063% | 4,055 |
| Net interest margin | 1.4822% | 4,704 |
| Noninterest income to average assets | 0.3092% | 3,252 |
| Noninterest expense to average assets | 1.3449% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3499% | 4,056 |
| Return on assets (ROA) | 0.3443% | 4,034 |
| Pretax return on assets | 0.3933% | 4,043 |
| Return on Equity (ROE) | 3.7059% | 3,948 |
| Retained earnings to average equity (ytd only) | 2.4068% | 3,433 |
| Net charge-offs to loans | 0.0021% | 1,746 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 951.3333% | 89 |
| Efficiency ratio | 76.2964% | 1,489 |
| Assets per employee ($millions) | 10.9181% | 524 |
| Cash dividends to net income (ytd only)* | 35.0549% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0820% | 3,409 |
| Loan loss allowance to noncurrent loans | 415.8036% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 3,525 |
| Noncurrent loans to loans | 0.2602% | 2,545 |
| Net loans and leases to total assets | 19.6862% | 4,674 |
| Net loans and leases to deposits | 21.8267% | 4,680 |
| Net loans and leases to core deposits | 22.4357% | 4,681 |
| Total domestic deposits to total assets | 90.1933% | 1,448 |
| Equity capital to assets | 9.2711% | 2,471 |
| Core capital (leverage) ratio | 9.1227% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6920% | 151 |
| Memoranda: | ||
| Average total assets | $2,856,497,500 | 404 |
| Average earning assets | $2,766,248,500 | 387 |
| Average equity | $265,416,500 | 432 |
| Average total loans | $567,003,500 | 1,058 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6374% | 4,736 |
| Cost of funding earning assets | 0.1631% | 3,839 |
| Net interest margin | 1.4742% | 4,726 |
| Noninterest income to average assets | 0.3238% | 3,467 |
| Noninterest expense to average assets | 1.3633% | 4,644 |
| Loan and lease loss provision to assets | 0.0056% | 2,966 |
| Net operating income to assets | 0.3503% | 4,346 |
| Return on assets (ROA) | 0.3496% | 4,376 |
| Pretax return on assets | 0.3809% | 4,417 |
| Return on Equity (ROE) | 3.6006% | 4,276 |
| Retained earnings to average equity (ytd only) | 2.2813% | 3,896 |
| Net charge-offs to loans | 0.0100% | 2,182 |
| Credit loss provision to net charge-offs | 258.6207% | 1,149 |
| Earnings coverage of net charge-offs (x) | 179.7414% | 578 |
| Efficiency ratio | 77.0354% | 1,025 |
| Assets per employee ($millions) | 10.6424% | 560 |
| Cash dividends to net income (ytd only)* | 36.6408% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,356 |
| Loan loss allowance to noncurrent loans | 340.4513% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 3,531 |
| Noncurrent loans to loans | 0.3230% | 2,433 |
| Net loans and leases to total assets | 19.5794% | 4,719 |
| Net loans and leases to deposits | 21.7188% | 4,730 |
| Net loans and leases to core deposits | 22.3509% | 4,726 |
| Total domestic deposits to total assets | 90.1499% | 888 |
| Equity capital to assets | 9.3125% | 3,309 |
| Core capital (leverage) ratio | 9.2373% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0831% | 146 |
| Memoranda: | ||
| Average total assets | $2,692,332,000 | 407 |
| Average earning assets | $2,605,601,200 | 391 |
| Average equity | $261,425,600 | 427 |
| Average total loans | $580,234,800 | 1,043 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6396% | 4,819 |
| Cost of funding earning assets | 0.1751% | 3,869 |
| Net interest margin | 1.4645% | 4,812 |
| Noninterest income to average assets | 0.3257% | 3,474 |
| Noninterest expense to average assets | 1.3949% | 4,693 |
| Loan and lease loss provision to assets | 0.0075% | 2,831 |
| Net operating income to assets | 0.3130% | 4,501 |
| Return on assets (ROA) | 0.3125% | 4,525 |
| Pretax return on assets | 0.3401% | 4,557 |
| Return on Equity (ROE) | 3.1830% | 4,436 |
| Retained earnings to average equity (ytd only) | 1.8596% | 4,230 |
| Net charge-offs to loans | 0.0087% | 1,995 |
| Credit loss provision to net charge-offs | 394.7368% | 860 |
| Earnings coverage of net charge-offs (x) | 182.4474% | 592 |
| Efficiency ratio | 79.1870% | 797 |
| Assets per employee ($millions) | 10.3958% | 572 |
| Cash dividends to net income (ytd only)* | 41.5783% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,491 |
| Loan loss allowance to noncurrent loans | 363.9883% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.0617% | 3,704 |
| Noncurrent loans to loans | 0.2991% | 2,721 |
| Net loans and leases to total assets | 20.3920% | 4,793 |
| Net loans and leases to deposits | 22.6383% | 4,805 |
| Net loans and leases to core deposits | 23.3713% | 4,801 |
| Total domestic deposits to total assets | 90.0774% | 742 |
| Equity capital to assets | 9.4850% | 3,387 |
| Core capital (leverage) ratio | 9.3596% | 3,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8382% | 136 |
| Memoranda: | ||
| Average total assets | $2,655,031,750 | 416 |
| Average earning assets | $2,569,514,250 | 399 |
| Average equity | $260,627,750 | 433 |
| Average total loans | $584,658,000 | 1,050 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6612% | 4,856 |
| Cost of funding earning assets | 0.1850% | 3,898 |
| Net interest margin | 1.4762% | 4,848 |
| Noninterest income to average assets | 0.3258% | 3,473 |
| Noninterest expense to average assets | 1.4160% | 4,705 |
| Loan and lease loss provision to assets | 0.0115% | 2,710 |
| Net operating income to assets | 0.3024% | 4,522 |
| Return on assets (ROA) | 0.3018% | 4,545 |
| Pretax return on assets | 0.3254% | 4,565 |
| Return on Equity (ROE) | 3.0384% | 4,470 |
| Retained earnings to average equity (ytd only) | 1.7111% | 4,187 |
| Net charge-offs to loans | 0.0109% | 1,751 |
| Credit loss provision to net charge-offs | 468.7500% | 702 |
| Earnings coverage of net charge-offs (x) | 138.0625% | 618 |
| Efficiency ratio | 79.9347% | 788 |
| Assets per employee ($millions) | 10.0714% | 592 |
| Cash dividends to net income (ytd only)* | 43.6851% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0765% | 3,516 |
| Loan loss allowance to noncurrent loans | 377.6292% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 3,821 |
| Noncurrent loans to loans | 0.2851% | 2,913 |
| Net loans and leases to total assets | 21.1498% | 4,821 |
| Net loans and leases to deposits | 23.5302% | 4,833 |
| Net loans and leases to core deposits | 24.2825% | 4,835 |
| Total domestic deposits to total assets | 89.8835% | 835 |
| Equity capital to assets | 9.6668% | 3,181 |
| Core capital (leverage) ratio | 9.5578% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5496% | 141 |
| Memoranda: | ||
| Average total assets | $2,618,277,000 | 419 |
| Average earning assets | $2,532,123,333 | 400 |
| Average equity | $260,074,000 | 435 |
| Average total loans | $589,508,667 | 1,046 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6966% | 4,885 |
| Cost of funding earning assets | 0.1955% | 3,950 |
| Net interest margin | 1.5010% | 4,874 |
| Noninterest income to average assets | 0.3167% | 3,508 |
| Noninterest expense to average assets | 1.4392% | 4,703 |
| Loan and lease loss provision to assets | 0.0233% | 2,477 |
| Net operating income to assets | 0.2885% | 4,536 |
| Return on assets (ROA) | 0.2861% | 4,571 |
| Pretax return on assets | 0.3026% | 4,597 |
| Return on Equity (ROE) | 2.8407% | 4,503 |
| Retained earnings to average equity (ytd only) | 1.5097% | 4,122 |
| Net charge-offs to loans | 0.0087% | 1,598 |
| Credit loss provision to net charge-offs | 1,153.8462% | 379 |
| Earnings coverage of net charge-offs (x) | 162.7692% | 460 |
| Efficiency ratio | 80.6163% | 785 |
| Assets per employee ($millions) | 9.9730% | 595 |
| Cash dividends to net income (ytd only)* | 46.8547% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 3,616 |
| Loan loss allowance to noncurrent loans | 311.5500% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 3,829 |
| Noncurrent loans to loans | 0.3402% | 2,878 |
| Net loans and leases to total assets | 22.0091% | 4,837 |
| Net loans and leases to deposits | 24.5310% | 4,849 |
| Net loans and leases to core deposits | 25.3467% | 4,849 |
| Total domestic deposits to total assets | 89.7193% | 951 |
| Equity capital to assets | 9.8435% | 2,852 |
| Core capital (leverage) ratio | 9.9123% | 2,624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.7097% | 154 |
| Memoranda: | ||
| Average total assets | $2,577,854,500 | 423 |
| Average earning assets | $2,491,601,000 | 400 |
| Average equity | $259,652,000 | 430 |
| Average total loans | $595,728,000 | 1,042 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2073% | 4,895 |
| Cost of funding earning assets | 0.2787% | 4,256 |
| Net interest margin | 1.9285% | 4,851 |
| Noninterest income to average assets | 0.3438% | 3,407 |
| Noninterest expense to average assets | 1.5466% | 4,746 |
| Loan and lease loss provision to assets | 0.0426% | 3,867 |
| Net operating income to assets | 0.5105% | 4,007 |
| Return on assets (ROA) | 0.5103% | 4,091 |
| Pretax return on assets | 0.6096% | 4,058 |
| Return on Equity (ROE) | 4.6912% | 3,977 |
| Retained earnings to average equity (ytd only) | 3.1752% | 3,247 |
| Net charge-offs to loans | -0.0341% | 4,576 |
| Credit loss provision to net charge-offs | -480.7692% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4026% | 2,035 |
| Assets per employee ($millions) | 9.6279% | 594 |
| Cash dividends to net income (ytd only)* | 32.3149% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,830 |
| Loan loss allowance to noncurrent loans | 230.9208% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 3,772 |
| Noncurrent loans to loans | 0.4372% | 2,660 |
| Net loans and leases to total assets | 23.7763% | 4,857 |
| Net loans and leases to deposits | 26.6352% | 4,871 |
| Net loans and leases to core deposits | 27.5153% | 4,873 |
| Total domestic deposits to total assets | 89.2664% | 869 |
| Equity capital to assets | 10.3132% | 2,817 |
| Core capital (leverage) ratio | 10.1986% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2761% | 160 |
| Memoranda: | ||
| Average total assets | $2,347,530,000 | 418 |
| Average earning assets | $2,258,306,800 | 396 |
| Average equity | $255,351,000 | 413 |
| Average total loans | $609,737,200 | 961 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3189% | 4,934 |
| Cost of funding earning assets | 0.2966% | 4,329 |
| Net interest margin | 2.0223% | 4,881 |
| Noninterest income to average assets | 0.3449% | 3,406 |
| Noninterest expense to average assets | 1.6142% | 4,718 |
| Loan and lease loss provision to assets | 0.0405% | 3,844 |
| Net operating income to assets | 0.5113% | 3,996 |
| Return on assets (ROA) | 0.5111% | 4,093 |
| Pretax return on assets | 0.6339% | 4,040 |
| Return on Equity (ROE) | 4.6330% | 3,989 |
| Retained earnings to average equity (ytd only) | 3.0571% | 3,498 |
| Net charge-offs to loans | -0.0340% | 4,568 |
| Credit loss provision to net charge-offs | -448.7179% | 3,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5269% | 1,955 |
| Assets per employee ($millions) | 9.2392% | 648 |
| Cash dividends to net income (ytd only)* | 34.0158% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 3,892 |
| Loan loss allowance to noncurrent loans | 218.6596% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 3,899 |
| Noncurrent loans to loans | 0.4339% | 2,756 |
| Net loans and leases to total assets | 24.4818% | 4,892 |
| Net loans and leases to deposits | 27.5086% | 4,905 |
| Net loans and leases to core deposits | 28.4576% | 4,907 |
| Total domestic deposits to total assets | 88.9967% | 769 |
| Equity capital to assets | 10.4918% | 2,798 |
| Core capital (leverage) ratio | 10.4144% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9356% | 177 |
| Memoranda: | ||
| Average total assets | $2,306,194,000 | 416 |
| Average earning assets | $2,216,852,750 | 392 |
| Average equity | $254,399,500 | 406 |
| Average total loans | $611,281,000 | 959 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4462% | 4,976 |
| Cost of funding earning assets | 0.3131% | 4,426 |
| Net interest margin | 2.1331% | 4,908 |
| Noninterest income to average assets | 0.3466% | 3,399 |
| Noninterest expense to average assets | 1.6334% | 4,752 |
| Loan and lease loss provision to assets | 0.0354% | 3,822 |
| Net operating income to assets | 0.5765% | 3,813 |
| Return on assets (ROA) | 0.5765% | 3,890 |
| Pretax return on assets | 0.7251% | 3,812 |
| Return on Equity (ROE) | 5.1354% | 3,795 |
| Retained earnings to average equity (ytd only) | 3.5540% | 3,152 |
| Net charge-offs to loans | -0.0235% | 4,459 |
| Credit loss provision to net charge-offs | -555.5556% | 3,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3447% | 2,328 |
| Assets per employee ($millions) | 8.6970% | 758 |
| Cash dividends to net income (ytd only)* | 30.7940% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 4,147 |
| Loan loss allowance to noncurrent loans | 160.2752% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1408% | 3,816 |
| Noncurrent loans to loans | 0.5387% | 2,555 |
| Net loans and leases to total assets | 25.9121% | 4,910 |
| Net loans and leases to deposits | 29.2317% | 4,931 |
| Net loans and leases to core deposits | 30.3345% | 4,932 |
| Total domestic deposits to total assets | 88.6440% | 892 |
| Equity capital to assets | 10.7655% | 2,519 |
| Core capital (leverage) ratio | 10.8749% | 2,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4135% | 169 |
| Memoranda: | ||
| Average total assets | $2,258,796,333 | 417 |
| Average earning assets | $2,168,059,000 | 394 |
| Average equity | $253,573,000 | 405 |
| Average total loans | $613,324,667 | 945 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6334% | 5,030 |
| Cost of funding earning assets | 0.3342% | 4,565 |
| Net interest margin | 2.2992% | 4,916 |
| Noninterest income to average assets | 0.3831% | 3,214 |
| Noninterest expense to average assets | 1.6696% | 4,804 |
| Loan and lease loss provision to assets | 0.0182% | 3,564 |
| Net operating income to assets | 0.7028% | 3,265 |
| Return on assets (ROA) | 0.7028% | 3,338 |
| Pretax return on assets | 0.9008% | 3,140 |
| Return on Equity (ROE) | 6.1245% | 3,275 |
| Retained earnings to average equity (ytd only) | 4.5376% | 2,486 |
| Net charge-offs to loans | 0.0112% | 2,187 |
| Credit loss provision to net charge-offs | 588.2353% | 802 |
| Earnings coverage of net charge-offs (x) | 297.4706% | 240 |
| Efficiency ratio | 63.6689% | 3,289 |
| Assets per employee ($millions) | 7.8663% | 781 |
| Cash dividends to net income (ytd only)* | 25.9116% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7989% | 4,418 |
| Loan loss allowance to noncurrent loans | 156.9488% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 3,935 |
| Noncurrent loans to loans | 0.5090% | 2,747 |
| Net loans and leases to total assets | 27.8142% | 4,937 |
| Net loans and leases to deposits | 31.5908% | 4,958 |
| Net loans and leases to core deposits | 32.8214% | 4,956 |
| Total domestic deposits to total assets | 88.0453% | 1,087 |
| Equity capital to assets | 11.4459% | 2,490 |
| Core capital (leverage) ratio | 11.2977% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.0761% | 166 |
| Memoranda: | ||
| Average total assets | $2,201,054,500 | 415 |
| Average earning assets | $2,111,307,500 | 396 |
| Average equity | $252,558,000 | 408 |
| Average total loans | $609,695,000 | 933 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7509% | 5,101 |
| Cost of funding earning assets | 0.2747% | 4,789 |
| Net interest margin | 2.4762% | 4,978 |
| Noninterest income to average assets | 0.4176% | 3,195 |
| Noninterest expense to average assets | 1.6601% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8925% | 3,231 |
| Return on assets (ROA) | 0.8928% | 3,322 |
| Pretax return on assets | 1.1409% | 3,039 |
| Return on Equity (ROE) | 7.9421% | 3,189 |
| Retained earnings to average equity (ytd only) | 6.4371% | 1,644 |
| Net charge-offs to loans | -0.0118% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6483% | 3,888 |
| Assets per employee ($millions) | 7.8273% | 763 |
| Cash dividends to net income (ytd only)* | 18.9487% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8179% | 4,245 |
| Loan loss allowance to noncurrent loans | 130.2586% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1718% | 3,792 |
| Noncurrent loans to loans | 0.6279% | 2,317 |
| Net loans and leases to total assets | 27.1330% | 5,010 |
| Net loans and leases to deposits | 30.8380% | 5,030 |
| Net loans and leases to core deposits | 31.9230% | 5,034 |
| Total domestic deposits to total assets | 87.9857% | 1,132 |
| Equity capital to assets | 11.5034% | 2,526 |
| Core capital (leverage) ratio | 11.3026% | 2,247 |
| Tier 1 risk-based capital ratio | 36.6072% | 298 |
| Total risk-based capital ratio | 37.3801% | 302 |
| Memoranda: | ||
| Average total assets | $2,173,590,000 | 398 |
| Average earning assets | $2,091,777,000 | 376 |
| Average equity | $244,332,000 | 399 |
| Average total loans | $586,157,000 | 926 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7723% | 5,186 |
| Cost of funding earning assets | 0.2605% | 4,895 |
| Net interest margin | 2.5118% | 5,058 |
| Noninterest income to average assets | 0.4187% | 3,210 |
| Noninterest expense to average assets | 1.6424% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8962% | 3,361 |
| Return on assets (ROA) | 0.8963% | 3,434 |
| Pretax return on assets | 1.1941% | 2,997 |
| Return on Equity (ROE) | 8.0208% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.5513% | 2,087 |
| Net charge-offs to loans | -0.0185% | 4,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3108% | 4,029 |
| Assets per employee ($millions) | 7.6368% | 795 |
| Cash dividends to net income (ytd only)* | 18.3213% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 4,266 |
| Loan loss allowance to noncurrent loans | 126.9899% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 3,859 |
| Noncurrent loans to loans | 0.6630% | 2,298 |
| Net loans and leases to total assets | 26.6906% | 5,104 |
| Net loans and leases to deposits | 30.3314% | 5,124 |
| Net loans and leases to core deposits | 31.2480% | 5,126 |
| Total domestic deposits to total assets | 87.9965% | 1,036 |
| Equity capital to assets | 11.4554% | 2,690 |
| Core capital (leverage) ratio | 11.2587% | 2,417 |
| Tier 1 risk-based capital ratio | 37.1252% | 301 |
| Total risk-based capital ratio | 37.9219% | 309 |
| Memoranda: | ||
| Average total assets | $2,171,036,000 | 397 |
| Average earning assets | $2,089,747,250 | 375 |
| Average equity | $242,612,000 | 403 |
| Average total loans | $583,341,750 | 927 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7705% | 5,248 |
| Cost of funding earning assets | 0.2465% | 4,967 |
| Net interest margin | 2.5239% | 5,116 |
| Noninterest income to average assets | 0.4124% | 3,194 |
| Noninterest expense to average assets | 1.6314% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9092% | 3,245 |
| Return on assets (ROA) | 0.9092% | 3,310 |
| Pretax return on assets | 1.2125% | 2,872 |
| Return on Equity (ROE) | 8.2039% | 3,201 |
| Retained earnings to average equity (ytd only) | 6.7887% | 1,907 |
| Net charge-offs to loans | -0.0230% | 4,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7663% | 4,155 |
| Assets per employee ($millions) | 7.5225% | 799 |
| Cash dividends to net income (ytd only)* | 17.2501% | 3,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8365% | 4,314 |
| Loan loss allowance to noncurrent loans | 135.3659% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.1677% | 3,930 |
| Noncurrent loans to loans | 0.6180% | 2,411 |
| Net loans and leases to total assets | 26.9112% | 5,141 |
| Net loans and leases to deposits | 30.5070% | 5,166 |
| Net loans and leases to core deposits | 31.4862% | 5,165 |
| Total domestic deposits to total assets | 88.2132% | 1,003 |
| Equity capital to assets | 11.3706% | 2,728 |
| Core capital (leverage) ratio | 11.1350% | 2,475 |
| Tier 1 risk-based capital ratio | 37.2991% | 287 |
| Total risk-based capital ratio | 38.1069% | 292 |
| Memoranda: | ||
| Average total assets | $2,174,311,000 | 401 |
| Average earning assets | $2,094,736,000 | 377 |
| Average equity | $240,957,670 | 406 |
| Average total loans | $583,876,330 | 930 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7420% | 5,314 |
| Cost of funding earning assets | 0.2292% | 5,043 |
| Net interest margin | 2.5128% | 5,185 |
| Noninterest income to average assets | 0.3896% | 3,260 |
| Noninterest expense to average assets | 1.6368% | 5,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8819% | 3,302 |
| Return on assets (ROA) | 0.8819% | 3,356 |
| Pretax return on assets | 1.1743% | 2,903 |
| Return on Equity (ROE) | 8.0612% | 3,239 |
| Retained earnings to average equity (ytd only) | 6.8367% | 2,103 |
| Net charge-offs to loans | -0.0555% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6134% | 4,132 |
| Assets per employee ($millions) | 7.6473% | 765 |
| Cash dividends to net income (ytd only)* | 15.1899% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 4,381 |
| Loan loss allowance to noncurrent loans | 125.4932% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.1785% | 3,923 |
| Noncurrent loans to loans | 0.6708% | 2,338 |
| Net loans and leases to total assets | 26.3789% | 5,202 |
| Net loans and leases to deposits | 29.7997% | 5,224 |
| Net loans and leases to core deposits | 30.6765% | 5,229 |
| Total domestic deposits to total assets | 88.5208% | 1,083 |
| Equity capital to assets | 11.0175% | 2,836 |
| Core capital (leverage) ratio | 10.8365% | 2,731 |
| Tier 1 risk-based capital ratio | 36.9524% | 278 |
| Total risk-based capital ratio | 37.7670% | 287 |
| Memoranda: | ||
| Average total assets | $2,185,752,000 | 397 |
| Average earning assets | $2,106,363,500 | 376 |
| Average equity | $239,121,000 | 407 |
| Average total loans | $583,884,500 | 938 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6332% | 5,327 |
| Cost of funding earning assets | 0.1418% | 5,195 |
| Net interest margin | 2.4914% | 5,220 |
| Noninterest income to average assets | 0.4229% | 3,289 |
| Noninterest expense to average assets | 1.6312% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8960% | 3,453 |
| Return on assets (ROA) | 0.8961% | 3,444 |
| Pretax return on assets | 1.1905% | 2,916 |
| Return on Equity (ROE) | 8.6077% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.5682% | 1,429 |
| Net charge-offs to loans | 0.0100% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 458.2807% | 228 |
| Efficiency ratio | 57.1925% | 4,267 |
| Assets per employee ($millions) | 7.1854% | 910 |
| Cash dividends to net income (ytd only)* | 12.0767% | 3,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 4,457 |
| Loan loss allowance to noncurrent loans | 115.4602% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1910% | 3,862 |
| Noncurrent loans to loans | 0.7120% | 2,210 |
| Net loans and leases to total assets | 26.6032% | 5,248 |
| Net loans and leases to deposits | 29.9657% | 5,270 |
| Net loans and leases to core deposits | 30.8101% | 5,267 |
| Total domestic deposits to total assets | 88.7788% | 955 |
| Equity capital to assets | 10.8624% | 2,833 |
| Core capital (leverage) ratio | 10.5980% | 2,930 |
| Tier 1 risk-based capital ratio | 36.2523% | 290 |
| Total risk-based capital ratio | 37.0516% | 300 |
| Memoranda: | ||
| Average total assets | $2,194,500,400 | 385 |
| Average earning assets | $2,112,863,400 | 372 |
| Average equity | $228,468,800 | 409 |
| Average total loans | $569,999,200 | 937 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5901% | 5,399 |
| Cost of funding earning assets | 0.1225% | 5,297 |
| Net interest margin | 2.4676% | 5,295 |
| Noninterest income to average assets | 0.4195% | 3,354 |
| Noninterest expense to average assets | 1.6267% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8692% | 3,665 |
| Return on assets (ROA) | 0.8693% | 3,671 |
| Pretax return on assets | 1.1685% | 3,129 |
| Return on Equity (ROE) | 8.4411% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.3917% | 1,932 |
| Net charge-offs to loans | 0.0113% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 401.0525% | 233 |
| Efficiency ratio | 57.5777% | 4,178 |
| Assets per employee ($millions) | 7.5825% | 742 |
| Cash dividends to net income (ytd only)* | 12.4328% | 3,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 4,518 |
| Loan loss allowance to noncurrent loans | 109.4579% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 3,943 |
| Noncurrent loans to loans | 0.7594% | 2,185 |
| Net loans and leases to total assets | 26.1845% | 5,320 |
| Net loans and leases to deposits | 29.4346% | 5,344 |
| Net loans and leases to core deposits | 30.1901% | 5,344 |
| Total domestic deposits to total assets | 88.9584% | 858 |
| Equity capital to assets | 10.5725% | 3,071 |
| Core capital (leverage) ratio | 10.3533% | 3,234 |
| Tier 1 risk-based capital ratio | 34.9013% | 326 |
| Total risk-based capital ratio | 35.6880% | 328 |
| Memoranda: | ||
| Average total assets | $2,197,032,250 | 385 |
| Average earning assets | $2,115,017,750 | 368 |
| Average equity | $226,267,250 | 411 |
| Average total loans | $566,016,500 | 943 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5465% | 5,467 |
| Cost of funding earning assets | 0.1189% | 5,351 |
| Net interest margin | 2.4276% | 5,373 |
| Noninterest income to average assets | 0.4180% | 3,371 |
| Noninterest expense to average assets | 1.5711% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8864% | 3,517 |
| Return on assets (ROA) | 0.8866% | 3,520 |
| Pretax return on assets | 1.1850% | 2,993 |
| Return on Equity (ROE) | 8.6862% | 3,180 |
| Retained earnings to average equity (ytd only) | 7.6273% | 1,784 |
| Net charge-offs to loans | 0.0153% | 2,635 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 302.5814% | 301 |
| Efficiency ratio | 56.3787% | 4,432 |
| Assets per employee ($millions) | 7.6342% | 728 |
| Cash dividends to net income (ytd only)* | 12.1906% | 3,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8356% | 4,586 |
| Loan loss allowance to noncurrent loans | 104.8167% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,956 |
| Noncurrent loans to loans | 0.7972% | 2,136 |
| Net loans and leases to total assets | 25.9843% | 5,383 |
| Net loans and leases to deposits | 29.1391% | 5,405 |
| Net loans and leases to core deposits | 29.8553% | 5,404 |
| Total domestic deposits to total assets | 89.1733% | 859 |
| Equity capital to assets | 10.3562% | 3,270 |
| Core capital (leverage) ratio | 10.2334% | 3,311 |
| Tier 1 risk-based capital ratio | 33.7248% | 355 |
| Total risk-based capital ratio | 34.4990% | 360 |
| Memoranda: | ||
| Average total assets | $2,196,399,670 | 383 |
| Average earning assets | $2,115,221,670 | 370 |
| Average equity | $224,195,670 | 411 |
| Average total loans | $561,153,670 | 950 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5121% | 5,535 |
| Cost of funding earning assets | 0.1171% | 5,402 |
| Net interest margin | 2.3949% | 5,440 |
| Noninterest income to average assets | 0.4098% | 3,396 |
| Noninterest expense to average assets | 1.5584% | 5,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8676% | 3,427 |
| Return on assets (ROA) | 0.8676% | 3,441 |
| Pretax return on assets | 1.1578% | 2,946 |
| Return on Equity (ROE) | 8.5621% | 3,124 |
| Retained earnings to average equity (ytd only) | 7.4920% | 2,048 |
| Net charge-offs to loans | 0.0145% | 2,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 317.1500% | 213 |
| Efficiency ratio | 56.7166% | 4,493 |
| Assets per employee ($millions) | 7.6481% | 722 |
| Cash dividends to net income (ytd only)* | 12.4974% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,585 |
| Loan loss allowance to noncurrent loans | 99.6305% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 3,994 |
| Noncurrent loans to loans | 0.8670% | 2,087 |
| Net loans and leases to total assets | 25.2032% | 5,446 |
| Net loans and leases to deposits | 28.2260% | 5,469 |
| Net loans and leases to core deposits | 28.8780% | 5,472 |
| Total domestic deposits to total assets | 89.2907% | 966 |
| Equity capital to assets | 10.1388% | 3,465 |
| Core capital (leverage) ratio | 10.0500% | 3,472 |
| Tier 1 risk-based capital ratio | 33.1887% | 366 |
| Total risk-based capital ratio | 33.9693% | 377 |
| Memoranda: | ||
| Average total assets | $2,191,453,500 | 390 |
| Average earning assets | $2,110,465,000 | 376 |
| Average equity | $222,049,000 | 419 |
| Average total loans | $552,670,500 | 961 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3607% | 5,580 |
| Cost of funding earning assets | 0.1252% | 5,388 |
| Net interest margin | 2.2355% | 5,524 |
| Noninterest income to average assets | 0.4187% | 3,511 |
| Noninterest expense to average assets | 1.5457% | 5,450 |
| Loan and lease loss provision to assets | -0.0232% | 5,337 |
| Net operating income to assets | 0.6451% | 3,837 |
| Return on assets (ROA) | 0.6452% | 3,871 |
| Pretax return on assets | 1.0461% | 3,395 |
| Return on Equity (ROE) | 6.4952% | 3,533 |
| Retained earnings to average equity (ytd only) | 5.4334% | 1,853 |
| Net charge-offs to loans | 0.0195% | 3,455 |
| Credit loss provision to net charge-offs | -485.4369% | 4,944 |
| Earnings coverage of net charge-offs (x) | 214.2039% | 376 |
| Efficiency ratio | 59.4921% | 4,337 |
| Assets per employee ($millions) | 7.4150% | 804 |
| Cash dividends to net income (ytd only)* | 16.3481% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 4,481 |
| Loan loss allowance to noncurrent loans | 89.3328% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,878 |
| Noncurrent loans to loans | 1.0040% | 1,768 |
| Net loans and leases to total assets | 24.7880% | 5,521 |
| Net loans and leases to deposits | 27.7339% | 5,543 |
| Net loans and leases to core deposits | 28.3829% | 5,545 |
| Total domestic deposits to total assets | 89.3781% | 835 |
| Equity capital to assets | 10.1261% | 3,565 |
| Core capital (leverage) ratio | 9.9395% | 3,532 |
| Tier 1 risk-based capital ratio | 33.2639% | 364 |
| Total risk-based capital ratio | 34.0637% | 367 |
| Memoranda: | ||
| Average total assets | $2,156,997,400 | 384 |
| Average earning assets | $2,074,418,400 | 369 |
| Average equity | $214,250,800 | 415 |
| Average total loans | $529,448,400 | 968 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3448% | 5,649 |
| Cost of funding earning assets | 0.1261% | 5,448 |
| Net interest margin | 2.2187% | 5,598 |
| Noninterest income to average assets | 0.4137% | 3,600 |
| Noninterest expense to average assets | 1.5468% | 5,489 |
| Loan and lease loss provision to assets | -0.0310% | 5,492 |
| Net operating income to assets | 0.6365% | 4,245 |
| Return on assets (ROA) | 0.6365% | 4,302 |
| Pretax return on assets | 1.0316% | 3,561 |
| Return on Equity (ROE) | 6.4399% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.3867% | 2,618 |
| Net charge-offs to loans | 0.0205% | 3,078 |
| Credit loss provision to net charge-offs | -617.2840% | 4,850 |
| Earnings coverage of net charge-offs (x) | 199.4765% | 436 |
| Efficiency ratio | 60.0287% | 4,210 |
| Assets per employee ($millions) | 7.4075% | 793 |
| Cash dividends to net income (ytd only)* | 16.3538% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 4,538 |
| Loan loss allowance to noncurrent loans | 84.5450% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 3,997 |
| Noncurrent loans to loans | 1.0728% | 1,797 |
| Net loans and leases to total assets | 24.5619% | 5,595 |
| Net loans and leases to deposits | 27.4411% | 5,615 |
| Net loans and leases to core deposits | 28.0855% | 5,621 |
| Total domestic deposits to total assets | 89.5076% | 653 |
| Equity capital to assets | 9.9682% | 3,946 |
| Core capital (leverage) ratio | 9.8377% | 3,773 |
| Tier 1 risk-based capital ratio | 32.8862% | 389 |
| Total risk-based capital ratio | 33.6909% | 390 |
| Memoranda: | ||
| Average total assets | $2,153,094,500 | 387 |
| Average earning assets | $2,070,586,500 | 372 |
| Average equity | $212,813,250 | 418 |
| Average total loans | $525,955,250 | 978 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3288% | 5,700 |
| Cost of funding earning assets | 0.1271% | 5,467 |
| Net interest margin | 2.2017% | 5,646 |
| Noninterest income to average assets | 0.4091% | 3,630 |
| Noninterest expense to average assets | 1.5342% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6137% | 4,242 |
| Return on assets (ROA) | 0.6137% | 4,286 |
| Pretax return on assets | 0.9931% | 3,591 |
| Return on Equity (ROE) | 6.2274% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.1668% | 2,599 |
| Net charge-offs to loans | 0.0142% | 2,965 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 287.8108% | 292 |
| Efficiency ratio | 60.0066% | 4,315 |
| Assets per employee ($millions) | 7.3934% | 782 |
| Cash dividends to net income (ytd only)* | 17.0313% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 4,032 |
| Loan loss allowance to noncurrent loans | 98.5864% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 4,102 |
| Noncurrent loans to loans | 1.0343% | 1,898 |
| Net loans and leases to total assets | 24.4594% | 5,641 |
| Net loans and leases to deposits | 27.3139% | 5,663 |
| Net loans and leases to core deposits | 27.9856% | 5,666 |
| Total domestic deposits to total assets | 89.5495% | 714 |
| Equity capital to assets | 9.9106% | 4,016 |
| Core capital (leverage) ratio | 9.8186% | 3,755 |
| Tier 1 risk-based capital ratio | 32.5066% | 385 |
| Total risk-based capital ratio | 33.3981% | 389 |
| Memoranda: | ||
| Average total assets | $2,144,858,670 | 392 |
| Average earning assets | $2,063,375,330 | 374 |
| Average equity | $211,388,330 | 423 |
| Average total loans | $521,338,330 | 984 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3231% | 5,764 |
| Cost of funding earning assets | 0.1280% | 5,506 |
| Net interest margin | 2.1951% | 5,705 |
| Noninterest income to average assets | 0.3916% | 3,725 |
| Noninterest expense to average assets | 1.6040% | 5,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5565% | 4,347 |
| Return on assets (ROA) | 0.5566% | 4,394 |
| Pretax return on assets | 0.8990% | 3,773 |
| Return on Equity (ROE) | 5.6638% | 4,055 |
| Retained earnings to average equity (ytd only) | 4.5958% | 3,127 |
| Net charge-offs to loans | 0.0520% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 71.7015% | 709 |
| Efficiency ratio | 58.6529% | 4,637 |
| Assets per employee ($millions) | 7.2637% | 835 |
| Cash dividends to net income (ytd only)* | 18.8571% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 4,153 |
| Loan loss allowance to noncurrent loans | 92.7482% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 4,133 |
| Noncurrent loans to loans | 1.1020% | 1,856 |
| Net loans and leases to total assets | 24.2034% | 5,697 |
| Net loans and leases to deposits | 26.9846% | 5,714 |
| Net loans and leases to core deposits | 27.6840% | 5,718 |
| Total domestic deposits to total assets | 89.6934% | 796 |
| Equity capital to assets | 9.7591% | 4,012 |
| Core capital (leverage) ratio | 9.7459% | 3,822 |
| Tier 1 risk-based capital ratio | 32.2078% | 406 |
| Total risk-based capital ratio | 33.0978% | 412 |
| Memoranda: | ||
| Average total assets | $2,137,855,000 | 394 |
| Average earning assets | $2,056,257,000 | 373 |
| Average equity | $210,104,500 | 425 |
| Average total loans | $515,264,500 | 991 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3901% | 5,791 |
| Cost of funding earning assets | 0.1477% | 5,438 |
| Net interest margin | 2.2424% | 5,729 |
| Noninterest income to average assets | 0.4179% | 3,755 |
| Noninterest expense to average assets | 1.6243% | 5,634 |
| Loan and lease loss provision to assets | -0.0484% | 5,585 |
| Net operating income to assets | 0.6281% | 4,095 |
| Return on assets (ROA) | 0.6281% | 4,208 |
| Pretax return on assets | 0.9997% | 3,480 |
| Return on Equity (ROE) | 6.3612% | 3,810 |
| Retained earnings to average equity (ytd only) | 5.2568% | 2,158 |
| Net charge-offs to loans | 0.0589% | 2,869 |
| Credit loss provision to net charge-offs | -354.6099% | 5,110 |
| Earnings coverage of net charge-offs (x) | 69.7128% | 797 |
| Efficiency ratio | 62.4260% | 4,185 |
| Assets per employee ($millions) | 7.1564% | 854 |
| Cash dividends to net income (ytd only)* | 17.3625% | 3,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0927% | 3,753 |
| Loan loss allowance to noncurrent loans | 100.6431% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 4,269 |
| Noncurrent loans to loans | 1.0858% | 1,920 |
| Net loans and leases to total assets | 23.4822% | 5,765 |
| Net loans and leases to deposits | 26.1992% | 5,781 |
| Net loans and leases to core deposits | 26.8950% | 5,784 |
| Total domestic deposits to total assets | 89.6294% | 807 |
| Equity capital to assets | 9.8983% | 3,820 |
| Core capital (leverage) ratio | 9.7269% | 3,825 |
| Tier 1 risk-based capital ratio | 32.0483% | 410 |
| Total risk-based capital ratio | 32.9538% | 414 |
| Memoranda: | ||
| Average total assets | $2,066,811,400 | 386 |
| Average earning assets | $1,988,604,000 | 368 |
| Average equity | $204,080,000 | 428 |
| Average total loans | $479,100,400 | 1,012 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3762% | 5,860 |
| Cost of funding earning assets | 0.1502% | 5,486 |
| Net interest margin | 2.2260% | 5,807 |
| Noninterest income to average assets | 0.4195% | 3,784 |
| Noninterest expense to average assets | 1.6326% | 5,664 |
| Loan and lease loss provision to assets | -0.0649% | 5,745 |
| Net operating income to assets | 0.6022% | 4,282 |
| Return on assets (ROA) | 0.6023% | 4,399 |
| Pretax return on assets | 0.9943% | 3,653 |
| Return on Equity (ROE) | 6.1033% | 4,022 |
| Retained earnings to average equity (ytd only) | 4.9906% | 2,837 |
| Net charge-offs to loans | 0.0645% | 2,424 |
| Credit loss provision to net charge-offs | -436.6812% | 5,044 |
| Earnings coverage of net charge-offs (x) | 62.5668% | 926 |
| Efficiency ratio | 63.0886% | 4,060 |
| Assets per employee ($millions) | 7.1547% | 837 |
| Cash dividends to net income (ytd only)* | 18.2318% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1491% | 3,542 |
| Loan loss allowance to noncurrent loans | 267.5375% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 5,012 |
| Noncurrent loans to loans | 0.4295% | 3,746 |
| Net loans and leases to total assets | 22.6161% | 5,840 |
| Net loans and leases to deposits | 25.1922% | 5,855 |
| Net loans and leases to core deposits | 25.8890% | 5,859 |
| Total domestic deposits to total assets | 89.7742% | 569 |
| Equity capital to assets | 9.7877% | 4,372 |
| Core capital (leverage) ratio | 9.6960% | 3,941 |
| Tier 1 risk-based capital ratio | 32.3970% | 398 |
| Total risk-based capital ratio | 33.3346% | 403 |
| Memoranda: | ||
| Average total assets | $2,055,729,000 | 390 |
| Average earning assets | $1,978,517,250 | 370 |
| Average equity | $202,858,250 | 430 |
| Average total loans | $473,570,500 | 1,021 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3947% | 5,932 |
| Cost of funding earning assets | 0.1514% | 5,540 |
| Net interest margin | 2.2433% | 5,882 |
| Noninterest income to average assets | 0.4250% | 3,694 |
| Noninterest expense to average assets | 1.6341% | 5,737 |
| Loan and lease loss provision to assets | -0.0980% | 5,873 |
| Net operating income to assets | 0.6338% | 4,127 |
| Return on assets (ROA) | 0.6339% | 4,267 |
| Pretax return on assets | 1.0491% | 3,398 |
| Return on Equity (ROE) | 6.4057% | 3,849 |
| Retained earnings to average equity (ytd only) | 5.2851% | 2,556 |
| Net charge-offs to loans | 0.0480% | 2,526 |
| Credit loss provision to net charge-offs | -884.9558% | 5,064 |
| Earnings coverage of net charge-offs (x) | 85.8230% | 662 |
| Efficiency ratio | 62.5550% | 4,260 |
| Assets per employee ($millions) | 6.9529% | 892 |
| Cash dividends to net income (ytd only)* | 17.4942% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 3,454 |
| Loan loss allowance to noncurrent loans | 241.1790% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 5,028 |
| Noncurrent loans to loans | 0.4899% | 3,615 |
| Net loans and leases to total assets | 23.0234% | 5,903 |
| Net loans and leases to deposits | 25.6768% | 5,926 |
| Net loans and leases to core deposits | 26.4188% | 5,933 |
| Total domestic deposits to total assets | 89.6663% | 605 |
| Equity capital to assets | 9.9463% | 4,296 |
| Core capital (leverage) ratio | 9.7905% | 3,824 |
| Tier 1 risk-based capital ratio | 33.2583% | 376 |
| Total risk-based capital ratio | 34.2487% | 377 |
| Memoranda: | ||
| Average total assets | $2,039,808,330 | 392 |
| Average earning assets | $1,963,977,000 | 376 |
| Average equity | $201,850,000 | 432 |
| Average total loans | $471,008,000 | 1,021 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4125% | 5,995 |
| Cost of funding earning assets | 0.1531% | 5,585 |
| Net interest margin | 2.2594% | 5,940 |
| Noninterest income to average assets | 0.4303% | 3,613 |
| Noninterest expense to average assets | 1.6309% | 5,808 |
| Loan and lease loss provision to assets | -0.1966% | 6,024 |
| Net operating income to assets | 0.7044% | 3,688 |
| Return on assets (ROA) | 0.7044% | 3,805 |
| Pretax return on assets | 1.1724% | 2,810 |
| Return on Equity (ROE) | 7.1365% | 3,382 |
| Retained earnings to average equity (ytd only) | 6.0069% | 2,371 |
| Net charge-offs to loans | 0.0163% | 2,609 |
| Credit loss provision to net charge-offs | -5,263.1579% | 5,021 |
| Earnings coverage of net charge-offs (x) | 261.1579% | 230 |
| Efficiency ratio | 61.8437% | 4,469 |
| Assets per employee ($millions) | 6.8907% | 933 |
| Cash dividends to net income (ytd only)* | 15.8291% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2159% | 3,390 |
| Loan loss allowance to noncurrent loans | 206.0302% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1448% | 4,997 |
| Noncurrent loans to loans | 0.5902% | 3,421 |
| Net loans and leases to total assets | 22.8627% | 5,960 |
| Net loans and leases to deposits | 25.4899% | 5,980 |
| Net loans and leases to core deposits | 26.2644% | 5,983 |
| Total domestic deposits to total assets | 89.6931% | 739 |
| Equity capital to assets | 9.9132% | 4,196 |
| Core capital (leverage) ratio | 9.7712% | 3,815 |
| Tier 1 risk-based capital ratio | 33.6782% | 375 |
| Total risk-based capital ratio | 34.7059% | 376 |
| Memoranda: | ||
| Average total assets | $2,034,157,000 | 393 |
| Average earning assets | $1,959,454,500 | 375 |
| Average equity | $200,770,000 | 426 |
| Average total loans | $467,571,000 | 1,028 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4261% | 6,023 |
| Cost of funding earning assets | 0.1660% | 5,567 |
| Net interest margin | 2.2601% | 5,965 |
| Noninterest income to average assets | 0.4384% | 3,757 |
| Noninterest expense to average assets | 1.6896% | 5,849 |
| Loan and lease loss provision to assets | -0.0512% | 5,752 |
| Net operating income to assets | 0.6171% | 4,191 |
| Return on assets (ROA) | 0.6171% | 4,287 |
| Pretax return on assets | 0.9738% | 3,572 |
| Return on Equity (ROE) | 6.1800% | 3,958 |
| Retained earnings to average equity (ytd only) | 5.0106% | 2,408 |
| Net charge-offs to loans | 0.0518% | 3,165 |
| Credit loss provision to net charge-offs | -434.7826% | 5,415 |
| Earnings coverage of net charge-offs (x) | 78.2783% | 714 |
| Efficiency ratio | 63.9224% | 4,281 |
| Assets per employee ($millions) | 6.9475% | 908 |
| Cash dividends to net income (ytd only)* | 18.9223% | 3,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4596% | 2,179 |
| Loan loss allowance to noncurrent loans | 254.4804% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 5,071 |
| Noncurrent loans to loans | 0.5735% | 3,451 |
| Net loans and leases to total assets | 22.4939% | 6,026 |
| Net loans and leases to deposits | 25.0195% | 6,042 |
| Net loans and leases to core deposits | 25.7477% | 6,046 |
| Total domestic deposits to total assets | 89.9053% | 671 |
| Equity capital to assets | 9.8264% | 4,163 |
| Core capital (leverage) ratio | 9.7286% | 3,870 |
| Tier 1 risk-based capital ratio | 33.2033% | 389 |
| Total risk-based capital ratio | 34.4035% | 384 |
| Memoranda: | ||
| Average total assets | $1,951,607,600 | 388 |
| Average earning assets | $1,877,050,000 | 370 |
| Average equity | $194,886,600 | 425 |
| Average total loans | $444,405,800 | 1,036 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4350% | 6,111 |
| Cost of funding earning assets | 0.1690% | 5,640 |
| Net interest margin | 2.2660% | 6,054 |
| Noninterest income to average assets | 0.4399% | 3,798 |
| Noninterest expense to average assets | 1.7215% | 5,879 |
| Loan and lease loss provision to assets | -0.0690% | 5,953 |
| Net operating income to assets | 0.5888% | 4,435 |
| Return on assets (ROA) | 0.5888% | 4,534 |
| Pretax return on assets | 0.9665% | 3,757 |
| Return on Equity (ROE) | 5.8720% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.6941% | 3,133 |
| Net charge-offs to loans | 0.0609% | 2,727 |
| Credit loss provision to net charge-offs | -497.5124% | 5,354 |
| Earnings coverage of net charge-offs (x) | 64.7122% | 865 |
| Efficiency ratio | 65.0279% | 4,059 |
| Assets per employee ($millions) | 6.7319% | 972 |
| Cash dividends to net income (ytd only)* | 20.0609% | 3,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 2,197 |
| Loan loss allowance to noncurrent loans | 243.7343% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.1424% | 5,189 |
| Noncurrent loans to loans | 0.6118% | 3,482 |
| Net loans and leases to total assets | 22.6573% | 6,110 |
| Net loans and leases to deposits | 25.2535% | 6,131 |
| Net loans and leases to core deposits | 25.9874% | 6,134 |
| Total domestic deposits to total assets | 89.7194% | 684 |
| Equity capital to assets | 9.9505% | 4,224 |
| Core capital (leverage) ratio | 9.8833% | 3,791 |
| Tier 1 risk-based capital ratio | 33.6470% | 390 |
| Total risk-based capital ratio | 34.8823% | 385 |
| Memoranda: | ||
| Average total assets | $1,932,344,500 | 394 |
| Average earning assets | $1,858,182,250 | 379 |
| Average equity | $193,772,000 | 430 |
| Average total loans | $439,736,500 | 1,044 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4502% | 6,180 |
| Cost of funding earning assets | 0.1718% | 5,678 |
| Net interest margin | 2.2784% | 6,110 |
| Noninterest income to average assets | 0.4379% | 3,793 |
| Noninterest expense to average assets | 1.7372% | 5,935 |
| Loan and lease loss provision to assets | -0.1043% | 6,090 |
| Net operating income to assets | 0.6047% | 4,325 |
| Return on assets (ROA) | 0.6047% | 4,430 |
| Pretax return on assets | 0.9938% | 3,610 |
| Return on Equity (ROE) | 6.0140% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.8299% | 2,970 |
| Net charge-offs to loans | 0.0644% | 2,458 |
| Credit loss provision to net charge-offs | -714.2857% | 5,292 |
| Earnings coverage of net charge-offs (x) | 60.8857% | 835 |
| Efficiency ratio | 65.4511% | 4,106 |
| Assets per employee ($millions) | 6.5692% | 1,024 |
| Cash dividends to net income (ytd only)* | 19.6894% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 2,063 |
| Loan loss allowance to noncurrent loans | 248.2421% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.1664% | 5,212 |
| Noncurrent loans to loans | 0.6274% | 3,591 |
| Net loans and leases to total assets | 22.4921% | 6,184 |
| Net loans and leases to deposits | 25.1076% | 6,209 |
| Net loans and leases to core deposits | 25.7533% | 6,206 |
| Total domestic deposits to total assets | 89.5829% | 858 |
| Equity capital to assets | 10.1248% | 3,902 |
| Core capital (leverage) ratio | 9.9569% | 3,669 |
| Tier 1 risk-based capital ratio | 34.5501% | 376 |
| Total risk-based capital ratio | 35.8005% | 372 |
| Memoranda: | ||
| Average total assets | $1,916,731,670 | 399 |
| Average earning assets | $1,841,297,670 | 380 |
| Average equity | $192,716,670 | 433 |
| Average total loans | $434,576,330 | 1,057 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3924% | 6,260 |
| Cost of funding earning assets | 0.1738% | 5,737 |
| Net interest margin | 2.2186% | 6,196 |
| Noninterest income to average assets | 0.4321% | 3,752 |
| Noninterest expense to average assets | 1.7408% | 5,968 |
| Loan and lease loss provision to assets | -0.2091% | 6,270 |
| Net operating income to assets | 0.6257% | 4,169 |
| Return on assets (ROA) | 0.6257% | 4,270 |
| Pretax return on assets | 1.0304% | 3,376 |
| Return on Equity (ROE) | 6.2452% | 3,903 |
| Retained earnings to average equity (ytd only) | 5.0534% | 3,025 |
| Net charge-offs to loans | 0.0685% | 2,048 |
| Credit loss provision to net charge-offs | -1,351.3514% | 5,035 |
| Earnings coverage of net charge-offs (x) | 53.0676% | 802 |
| Efficiency ratio | 67.3170% | 3,932 |
| Assets per employee ($millions) | 6.5483% | 1,052 |
| Cash dividends to net income (ytd only)* | 19.0842% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6078% | 2,024 |
| Loan loss allowance to noncurrent loans | 224.0765% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 5,218 |
| Noncurrent loans to loans | 0.7175% | 3,472 |
| Net loans and leases to total assets | 21.9057% | 6,249 |
| Net loans and leases to deposits | 24.4389% | 6,270 |
| Net loans and leases to core deposits | 25.0778% | 6,268 |
| Total domestic deposits to total assets | 89.6344% | 933 |
| Equity capital to assets | 9.9729% | 4,178 |
| Core capital (leverage) ratio | 9.9083% | 3,733 |
| Tier 1 risk-based capital ratio | 34.8711% | 366 |
| Total risk-based capital ratio | 36.1294% | 362 |
| Memoranda: | ||
| Average total assets | $1,912,706,000 | 397 |
| Average earning assets | $1,836,279,000 | 378 |
| Average equity | $191,635,000 | 435 |
| Average total loans | $431,978,000 | 1,064 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4992% | 6,327 |
| Cost of funding earning assets | 0.1994% | 5,751 |
| Net interest margin | 2.2998% | 6,268 |
| Noninterest income to average assets | 0.4642% | 3,752 |
| Noninterest expense to average assets | 1.7206% | 6,137 |
| Loan and lease loss provision to assets | -0.0534% | 6,049 |
| Net operating income to assets | 0.6339% | 4,215 |
| Return on assets (ROA) | 0.6335% | 4,323 |
| Pretax return on assets | 1.0042% | 3,476 |
| Return on Equity (ROE) | 6.3811% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.1454% | 2,502 |
| Net charge-offs to loans | 0.1112% | 2,921 |
| Credit loss provision to net charge-offs | -204.4990% | 5,637 |
| Earnings coverage of net charge-offs (x) | 36.4663% | 1,164 |
| Efficiency ratio | 63.6247% | 4,645 |
| Assets per employee ($millions) | 6.3975% | 1,121 |
| Cash dividends to net income (ytd only)* | 19.3649% | 3,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8413% | 1,448 |
| Loan loss allowance to noncurrent loans | 331.7691% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 5,525 |
| Noncurrent loans to loans | 0.5550% | 4,000 |
| Net loans and leases to total assets | 22.4902% | 6,338 |
| Net loans and leases to deposits | 25.0729% | 6,359 |
| Net loans and leases to core deposits | 25.7557% | 6,359 |
| Total domestic deposits to total assets | 89.6993% | 873 |
| Equity capital to assets | 10.0662% | 4,025 |
| Core capital (leverage) ratio | 9.8887% | 3,725 |
| Tier 1 risk-based capital ratio | 35.9830% | 312 |
| Total risk-based capital ratio | 37.2373% | 307 |
| Memoranda: | ||
| Average total assets | $1,874,157,200 | 391 |
| Average earning assets | $1,799,216,000 | 371 |
| Average equity | $186,049,600 | 430 |
| Average total loans | $439,608,000 | 1,001 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5129% | 6,407 |
| Cost of funding earning assets | 0.2032% | 5,797 |
| Net interest margin | 2.3097% | 6,336 |
| Noninterest income to average assets | 0.4665% | 3,757 |
| Noninterest expense to average assets | 1.7307% | 6,180 |
| Loan and lease loss provision to assets | -0.0713% | 6,229 |
| Net operating income to assets | 0.6139% | 4,381 |
| Return on assets (ROA) | 0.6138% | 4,470 |
| Pretax return on assets | 1.0253% | 3,497 |
| Return on Equity (ROE) | 6.2055% | 4,129 |
| Retained earnings to average equity (ytd only) | 4.9609% | 3,102 |
| Net charge-offs to loans | 0.1388% | 2,411 |
| Credit loss provision to net charge-offs | -217.8649% | 5,579 |
| Earnings coverage of net charge-offs (x) | 29.1418% | 1,399 |
| Efficiency ratio | 63.6806% | 4,602 |
| Assets per employee ($millions) | 6.4097% | 1,072 |
| Cash dividends to net income (ytd only)* | 20.0558% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8376% | 1,610 |
| Loan loss allowance to noncurrent loans | 314.7174% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 5,585 |
| Noncurrent loans to loans | 0.5839% | 4,173 |
| Net loans and leases to total assets | 22.7310% | 6,408 |
| Net loans and leases to deposits | 25.3490% | 6,432 |
| Net loans and leases to core deposits | 26.0828% | 6,434 |
| Total domestic deposits to total assets | 89.6724% | 890 |
| Equity capital to assets | 9.9773% | 4,187 |
| Core capital (leverage) ratio | 9.7998% | 3,939 |
| Tier 1 risk-based capital ratio | 35.4401% | 343 |
| Total risk-based capital ratio | 36.6945% | 338 |
| Memoranda: | ||
| Average total assets | $1,869,280,750 | 386 |
| Average earning assets | $1,795,362,500 | 367 |
| Average equity | $184,907,250 | 429 |
| Average total loans | $441,040,500 | 1,004 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5271% | 6,470 |
| Cost of funding earning assets | 0.2075% | 5,852 |
| Net interest margin | 2.3196% | 6,398 |
| Noninterest income to average assets | 0.4659% | 3,743 |
| Noninterest expense to average assets | 1.7413% | 6,223 |
| Loan and lease loss provision to assets | -0.1073% | 6,386 |
| Net operating income to assets | 0.6333% | 4,188 |
| Return on assets (ROA) | 0.6332% | 4,290 |
| Pretax return on assets | 1.0591% | 3,244 |
| Return on Equity (ROE) | 6.4197% | 3,932 |
| Retained earnings to average equity (ytd only) | 5.1667% | 2,852 |
| Net charge-offs to loans | 0.0872% | 2,820 |
| Credit loss provision to net charge-offs | -518.1347% | 5,579 |
| Earnings coverage of net charge-offs (x) | 45.9741% | 963 |
| Efficiency ratio | 63.8424% | 4,714 |
| Assets per employee ($millions) | 6.2382% | 1,149 |
| Cash dividends to net income (ytd only)* | 19.5188% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 1,641 |
| Loan loss allowance to noncurrent loans | 270.2218% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1649% | 5,656 |
| Noncurrent loans to loans | 0.6937% | 3,982 |
| Net loans and leases to total assets | 23.3306% | 6,466 |
| Net loans and leases to deposits | 26.0176% | 6,491 |
| Net loans and leases to core deposits | 26.7779% | 6,485 |
| Total domestic deposits to total assets | 89.6727% | 983 |
| Equity capital to assets | 10.0022% | 4,103 |
| Core capital (leverage) ratio | 9.8224% | 3,852 |
| Tier 1 risk-based capital ratio | 34.8560% | 348 |
| Total risk-based capital ratio | 36.1109% | 343 |
| Memoranda: | ||
| Average total assets | $1,864,223,670 | 386 |
| Average earning assets | $1,790,049,000 | 366 |
| Average equity | $183,870,670 | 426 |
| Average total loans | $442,596,000 | 994 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5244% | 6,544 |
| Cost of funding earning assets | 0.2092% | 5,926 |
| Net interest margin | 2.3153% | 6,464 |
| Noninterest income to average assets | 0.4401% | 3,871 |
| Noninterest expense to average assets | 1.7578% | 6,272 |
| Loan and lease loss provision to assets | -0.2143% | 6,576 |
| Net operating income to assets | 0.6684% | 3,849 |
| Return on assets (ROA) | 0.6683% | 3,938 |
| Pretax return on assets | 1.1208% | 2,811 |
| Return on Equity (ROE) | 6.8236% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.5613% | 2,762 |
| Net charge-offs to loans | 0.1824% | 1,626 |
| Credit loss provision to net charge-offs | -495.0495% | 5,176 |
| Earnings coverage of net charge-offs (x) | 20.9505% | 1,313 |
| Efficiency ratio | 65.0692% | 4,677 |
| Assets per employee ($millions) | 6.2232% | 1,166 |
| Cash dividends to net income (ytd only)* | 18.4995% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8692% | 1,845 |
| Loan loss allowance to noncurrent loans | 423.9754% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.1116% | 5,920 |
| Noncurrent loans to loans | 0.4409% | 4,822 |
| Net loans and leases to total assets | 23.1946% | 6,518 |
| Net loans and leases to deposits | 25.8453% | 6,548 |
| Net loans and leases to core deposits | 26.5891% | 6,544 |
| Total domestic deposits to total assets | 89.7441% | 1,211 |
| Equity capital to assets | 9.8297% | 4,065 |
| Core capital (leverage) ratio | 9.6532% | 4,056 |
| Tier 1 risk-based capital ratio | 34.1089% | 375 |
| Total risk-based capital ratio | 35.3634% | 367 |
| Memoranda: | ||
| Average total assets | $1,866,847,000 | 386 |
| Average earning assets | $1,793,665,500 | 365 |
| Average equity | $182,836,500 | 424 |
| Average total loans | $442,896,000 | 995 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4717% | 6,624 |
| Cost of funding earning assets | 0.2390% | 6,039 |
| Net interest margin | 2.2327% | 6,559 |
| Noninterest income to average assets | 0.4891% | 3,824 |
| Noninterest expense to average assets | 1.7452% | 6,397 |
| Loan and lease loss provision to assets | 0.0026% | 5,055 |
| Net operating income to assets | 0.5445% | 4,534 |
| Return on assets (ROA) | 0.5356% | 4,705 |
| Pretax return on assets | 0.8670% | 3,893 |
| Return on Equity (ROE) | 5.5441% | 4,365 |
| Retained earnings to average equity (ytd only) | 4.5643% | 2,912 |
| Net charge-offs to loans | 0.1332% | 3,468 |
| Credit loss provision to net charge-offs | 8.1882% | 4,606 |
| Earnings coverage of net charge-offs (x) | 28.2544% | 1,243 |
| Efficiency ratio | 65.6064% | 4,637 |
| Assets per employee ($millions) | 6.1000% | 1,206 |
| Cash dividends to net income (ytd only)* | 17.6734% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1393% | 1,269 |
| Loan loss allowance to noncurrent loans | 525.0970% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0970% | 6,049 |
| Noncurrent loans to loans | 0.4074% | 4,988 |
| Net loans and leases to total assets | 23.3033% | 6,616 |
| Net loans and leases to deposits | 25.8886% | 6,641 |
| Net loans and leases to core deposits | 26.6418% | 6,641 |
| Total domestic deposits to total assets | 90.0135% | 1,067 |
| Equity capital to assets | 9.7578% | 4,090 |
| Core capital (leverage) ratio | 9.5855% | 4,133 |
| Tier 1 risk-based capital ratio | 34.0692% | 363 |
| Total risk-based capital ratio | 35.3269% | 355 |
| Memoranda: | ||
| Average total assets | $1,835,929,200 | 378 |
| Average earning assets | $1,759,315,400 | 359 |
| Average equity | $177,376,800 | 429 |
| Average total loans | $430,828,600 | 994 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4615% | 6,707 |
| Cost of funding earning assets | 0.2448% | 6,123 |
| Net interest margin | 2.2167% | 6,636 |
| Noninterest income to average assets | 0.4921% | 3,868 |
| Noninterest expense to average assets | 1.7793% | 6,371 |
| Loan and lease loss provision to assets | 0.0763% | 3,531 |
| Net operating income to assets | 0.4573% | 4,997 |
| Return on assets (ROA) | 0.4478% | 5,171 |
| Pretax return on assets | 0.7444% | 4,509 |
| Return on Equity (ROE) | 4.6471% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.7700% | 4,001 |
| Net charge-offs to loans | 0.1512% | 3,031 |
| Credit loss provision to net charge-offs | 215.8763% | 1,122 |
| Earnings coverage of net charge-offs (x) | 23.6413% | 1,459 |
| Efficiency ratio | 67.2649% | 4,242 |
| Assets per employee ($millions) | 6.1272% | 1,150 |
| Cash dividends to net income (ytd only)* | 18.8741% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4112% | 1,034 |
| Loan loss allowance to noncurrent loans | 608.3477% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0978% | 6,146 |
| Noncurrent loans to loans | 0.3964% | 5,204 |
| Net loans and leases to total assets | 23.0365% | 6,704 |
| Net loans and leases to deposits | 25.5964% | 6,734 |
| Net loans and leases to core deposits | 26.3529% | 6,735 |
| Total domestic deposits to total assets | 89.9992% | 999 |
| Equity capital to assets | 9.6275% | 4,383 |
| Core capital (leverage) ratio | 9.4544% | 4,470 |
| Tier 1 risk-based capital ratio | 33.9824% | 372 |
| Total risk-based capital ratio | 35.2429% | 363 |
| Memoranda: | ||
| Average total assets | $1,829,785,750 | 380 |
| Average earning assets | $1,752,149,500 | 362 |
| Average equity | $176,335,000 | 433 |
| Average total loans | $427,776,750 | 1,004 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4531% | 6,749 |
| Cost of funding earning assets | 0.2522% | 6,163 |
| Net interest margin | 2.2008% | 6,680 |
| Noninterest income to average assets | 0.4892% | 3,903 |
| Noninterest expense to average assets | 1.7899% | 6,391 |
| Loan and lease loss provision to assets | 0.0930% | 3,233 |
| Net operating income to assets | 0.4303% | 5,108 |
| Return on assets (ROA) | 0.4213% | 5,292 |
| Pretax return on assets | 0.6979% | 4,686 |
| Return on Equity (ROE) | 4.3707% | 5,065 |
| Retained earnings to average equity (ytd only) | 3.7098% | 3,944 |
| Net charge-offs to loans | 0.1725% | 2,740 |
| Credit loss provision to net charge-offs | 231.4208% | 1,071 |
| Earnings coverage of net charge-offs (x) | 20.0246% | 1,482 |
| Efficiency ratio | 68.1735% | 4,151 |
| Assets per employee ($millions) | 5.9413% | 1,242 |
| Cash dividends to net income (ytd only)* | 15.1199% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4584% | 1,030 |
| Loan loss allowance to noncurrent loans | 699.5330% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 6,216 |
| Noncurrent loans to loans | 0.3514% | 5,409 |
| Net loans and leases to total assets | 22.9600% | 6,741 |
| Net loans and leases to deposits | 25.5394% | 6,773 |
| Net loans and leases to core deposits | 26.3103% | 6,773 |
| Total domestic deposits to total assets | 89.9000% | 1,082 |
| Equity capital to assets | 9.7750% | 4,208 |
| Core capital (leverage) ratio | 9.6034% | 4,073 |
| Tier 1 risk-based capital ratio | 34.6490% | 348 |
| Total risk-based capital ratio | 35.9101% | 344 |
| Memoranda: | ||
| Average total assets | $1,820,871,670 | 377 |
| Average earning assets | $1,742,147,000 | 362 |
| Average equity | $175,534,330 | 431 |
| Average total loans | $424,286,670 | 1,003 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4471% | 6,830 |
| Cost of funding earning assets | 0.2641% | 6,198 |
| Net interest margin | 2.1830% | 6,767 |
| Noninterest income to average assets | 0.4766% | 3,944 |
| Noninterest expense to average assets | 1.8321% | 6,394 |
| Loan and lease loss provision to assets | 0.1199% | 2,723 |
| Net operating income to assets | 0.3728% | 5,249 |
| Return on assets (ROA) | 0.3653% | 5,415 |
| Pretax return on assets | 0.5998% | 4,946 |
| Return on Equity (ROE) | 3.8161% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.8161% | 3,940 |
| Net charge-offs to loans | 0.1588% | 2,451 |
| Credit loss provision to net charge-offs | 325.5952% | 745 |
| Earnings coverage of net charge-offs (x) | 19.8631% | 1,203 |
| Efficiency ratio | 70.6420% | 3,864 |
| Assets per employee ($millions) | 6.0618% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4576% | 1,167 |
| Loan loss allowance to noncurrent loans | 897.4935% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 6,110 |
| Noncurrent loans to loans | 0.2738% | 5,720 |
| Net loans and leases to total assets | 22.4387% | 6,811 |
| Net loans and leases to deposits | 24.8978% | 6,847 |
| Net loans and leases to core deposits | 25.6348% | 6,843 |
| Total domestic deposits to total assets | 90.1231% | 972 |
| Equity capital to assets | 9.5605% | 4,773 |
| Core capital (leverage) ratio | 9.3945% | 4,253 |
| Tier 1 risk-based capital ratio | 35.6994% | 327 |
| Total risk-based capital ratio | 36.9625% | 319 |
| Memoranda: | ||
| Average total assets | $1,825,254,000 | 383 |
| Average earning assets | $1,744,737,000 | 369 |
| Average equity | $174,734,500 | 437 |
| Average total loans | $423,157,500 | 1,010 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6845% | 6,883 |
| Cost of funding earning assets | 0.3368% | 6,284 |
| Net interest margin | 2.3476% | 6,813 |
| Noninterest income to average assets | 0.5542% | 3,548 |
| Noninterest expense to average assets | 1.7949% | 6,629 |
| Loan and lease loss provision to assets | 0.1141% | 4,213 |
| Net operating income to assets | 0.5564% | 4,447 |
| Return on assets (ROA) | 0.5100% | 4,910 |
| Pretax return on assets | 0.8126% | 4,247 |
| Return on Equity (ROE) | 5.2866% | 4,544 |
| Retained earnings to average equity (ytd only) | 3.4756% | 3,770 |
| Net charge-offs to loans | 0.3680% | 2,788 |
| Credit loss provision to net charge-offs | 127.6407% | 2,206 |
| Earnings coverage of net charge-offs (x) | 11.1803% | 2,060 |
| Efficiency ratio | 63.5141% | 4,978 |
| Assets per employee ($millions) | 5.9081% | 1,354 |
| Cash dividends to net income (ytd only)* | 34.2569% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3608% | 1,289 |
| Loan loss allowance to noncurrent loans | 445.2603% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 6,005 |
| Noncurrent loans to loans | 0.5302% | 5,205 |
| Net loans and leases to total assets | 22.8136% | 6,876 |
| Net loans and leases to deposits | 25.2856% | 6,909 |
| Net loans and leases to core deposits | 26.0552% | 6,910 |
| Total domestic deposits to total assets | 90.2238% | 836 |
| Equity capital to assets | 9.5860% | 4,769 |
| Core capital (leverage) ratio | 9.4273% | 4,214 |
| Tier 1 risk-based capital ratio | 35.3945% | 333 |
| Total risk-based capital ratio | 36.6574% | 327 |
| Memoranda: | ||
| Average total assets | $1,769,135,400 | 390 |
| Average earning assets | $1,687,863,000 | 371 |
| Average equity | $170,678,000 | 439 |
| Average total loans | $429,594,600 | 973 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7429% | 6,987 |
| Cost of funding earning assets | 0.3501% | 6,372 |
| Net interest margin | 2.3928% | 6,899 |
| Noninterest income to average assets | 0.5259% | 3,766 |
| Noninterest expense to average assets | 1.8255% | 6,648 |
| Loan and lease loss provision to assets | 0.1112% | 4,178 |
| Net operating income to assets | 0.5313% | 4,704 |
| Return on assets (ROA) | 0.4714% | 5,211 |
| Pretax return on assets | 0.7783% | 4,570 |
| Return on Equity (ROE) | 4.8778% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.4219% | 4,456 |
| Net charge-offs to loans | 0.3591% | 2,664 |
| Credit loss provision to net charge-offs | 126.2705% | 2,275 |
| Earnings coverage of net charge-offs (x) | 11.1645% | 2,100 |
| Efficiency ratio | 64.2921% | 4,761 |
| Assets per employee ($millions) | 5.8610% | 1,329 |
| Cash dividends to net income (ytd only)* | 29.8471% | 2,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 1,503 |
| Loan loss allowance to noncurrent loans | 338.2323% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 6,083 |
| Noncurrent loans to loans | 0.6821% | 5,077 |
| Net loans and leases to total assets | 23.2341% | 6,984 |
| Net loans and leases to deposits | 25.8118% | 7,011 |
| Net loans and leases to core deposits | 26.5987% | 7,012 |
| Total domestic deposits to total assets | 90.0135% | 839 |
| Equity capital to assets | 9.5749% | 5,102 |
| Core capital (leverage) ratio | 9.4174% | 4,400 |
| Tier 1 risk-based capital ratio | 35.1622% | 354 |
| Total risk-based capital ratio | 36.4261% | 344 |
| Memoranda: | ||
| Average total assets | $1,757,973,000 | 391 |
| Average earning assets | $1,677,030,500 | 373 |
| Average equity | $169,880,000 | 440 |
| Average total loans | $431,044,500 | 978 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7992% | 7,043 |
| Cost of funding earning assets | 0.3598% | 6,470 |
| Net interest margin | 2.4394% | 6,936 |
| Noninterest income to average assets | 0.5176% | 3,803 |
| Noninterest expense to average assets | 1.8280% | 6,719 |
| Loan and lease loss provision to assets | 0.0693% | 4,763 |
| Net operating income to assets | 0.5772% | 4,460 |
| Return on assets (ROA) | 0.4894% | 5,117 |
| Pretax return on assets | 0.8095% | 4,444 |
| Return on Equity (ROE) | 5.0485% | 4,788 |
| Retained earnings to average equity (ytd only) | 3.5853% | 4,209 |
| Net charge-offs to loans | 0.3439% | 2,640 |
| Credit loss provision to net charge-offs | 81.2921% | 3,284 |
| Earnings coverage of net charge-offs (x) | 11.9246% | 1,928 |
| Efficiency ratio | 63.6158% | 4,965 |
| Assets per employee ($millions) | 5.7784% | 1,391 |
| Cash dividends to net income (ytd only)* | 28.9831% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1935% | 1,782 |
| Loan loss allowance to noncurrent loans | 430.3514% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2044% | 6,271 |
| Noncurrent loans to loans | 0.5097% | 5,513 |
| Net loans and leases to total assets | 23.7771% | 7,042 |
| Net loans and leases to deposits | 26.4259% | 7,067 |
| Net loans and leases to core deposits | 27.2245% | 7,068 |
| Total domestic deposits to total assets | 89.9766% | 935 |
| Equity capital to assets | 9.6614% | 4,806 |
| Core capital (leverage) ratio | 9.5110% | 4,125 |
| Tier 1 risk-based capital ratio | 34.9103% | 348 |
| Total risk-based capital ratio | 36.1721% | 342 |
| Memoranda: | ||
| Average total assets | $1,744,191,670 | 396 |
| Average earning assets | $1,663,342,000 | 376 |
| Average equity | $169,079,330 | 441 |
| Average total loans | $432,083,330 | 969 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8340% | 7,100 |
| Cost of funding earning assets | 0.3716% | 6,547 |
| Net interest margin | 2.4624% | 6,975 |
| Noninterest income to average assets | 0.5025% | 3,892 |
| Noninterest expense to average assets | 1.8261% | 6,767 |
| Loan and lease loss provision to assets | -0.0580% | 7,151 |
| Net operating income to assets | 0.6634% | 4,062 |
| Return on assets (ROA) | 0.4932% | 5,059 |
| Pretax return on assets | 0.8158% | 4,356 |
| Return on Equity (ROE) | 5.0796% | 4,750 |
| Retained earnings to average equity (ytd only) | 3.6075% | 4,413 |
| Net charge-offs to loans | 0.2918% | 2,501 |
| Credit loss provision to net charge-offs | -79.4304% | 5,468 |
| Earnings coverage of net charge-offs (x) | 14.0285% | 1,495 |
| Efficiency ratio | 63.4470% | 5,028 |
| Assets per employee ($millions) | 5.8201% | 1,409 |
| Cash dividends to net income (ytd only)* | 28.9794% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0776% | 2,151 |
| Loan loss allowance to noncurrent loans | 500.0556% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 6,488 |
| Noncurrent loans to loans | 0.4155% | 5,840 |
| Net loans and leases to total assets | 24.1359% | 7,082 |
| Net loans and leases to deposits | 26.8410% | 7,113 |
| Net loans and leases to core deposits | 27.6585% | 7,109 |
| Total domestic deposits to total assets | 89.9216% | 1,128 |
| Equity capital to assets | 9.6319% | 4,611 |
| Core capital (leverage) ratio | 9.4890% | 4,066 |
| Tier 1 risk-based capital ratio | 33.8511% | 370 |
| Total risk-based capital ratio | 35.1101% | 365 |
| Memoranda: | ||
| Average total assets | $1,732,193,000 | 398 |
| Average earning assets | $1,651,260,000 | 373 |
| Average equity | $168,203,000 | 440 |
| Average total loans | $433,198,500 | 963 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0971% | 7,150 |
| Cost of funding earning assets | 0.4484% | 6,734 |
| Net interest margin | 2.6487% | 6,970 |
| Noninterest income to average assets | 0.5375% | 3,601 |
| Noninterest expense to average assets | 1.8574% | 6,880 |
| Loan and lease loss provision to assets | 0.1275% | 5,019 |
| Net operating income to assets | 0.6731% | 3,614 |
| Return on assets (ROA) | 0.6164% | 4,102 |
| Pretax return on assets | 0.9940% | 3,265 |
| Return on Equity (ROE) | 6.3317% | 3,723 |
| Retained earnings to average equity (ytd only) | 4.8008% | 2,789 |
| Net charge-offs to loans | 0.2847% | 3,997 |
| Credit loss provision to net charge-offs | 171.5670% | 1,557 |
| Earnings coverage of net charge-offs (x) | 16.2787% | 1,338 |
| Efficiency ratio | 59.7847% | 5,793 |
| Assets per employee ($millions) | 5.6142% | 1,519 |
| Cash dividends to net income (ytd only)* | 24.1792% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2458% | 1,715 |
| Loan loss allowance to noncurrent loans | 652.8859% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 6,611 |
| Noncurrent loans to loans | 0.3440% | 6,040 |
| Net loans and leases to total assets | 24.8102% | 7,145 |
| Net loans and leases to deposits | 27.5588% | 7,175 |
| Net loans and leases to core deposits | 28.5374% | 7,170 |
| Total domestic deposits to total assets | 90.0264% | 981 |
| Equity capital to assets | 9.7913% | 4,452 |
| Core capital (leverage) ratio | 9.7014% | 3,747 |
| Tier 1 risk-based capital ratio | 33.2262% | 386 |
| Total risk-based capital ratio | 34.4507% | 382 |
| Memoranda: | ||
| Average total assets | $1,665,361,600 | 398 |
| Average earning assets | $1,590,690,800 | 372 |
| Average equity | $162,119,800 | 437 |
| Average total loans | $434,791,200 | 958 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1326% | 7,224 |
| Cost of funding earning assets | 0.4647% | 6,837 |
| Net interest margin | 2.6679% | 7,017 |
| Noninterest income to average assets | 0.5033% | 3,847 |
| Noninterest expense to average assets | 1.8961% | 6,851 |
| Loan and lease loss provision to assets | 0.1129% | 5,011 |
| Net operating income to assets | 0.6252% | 3,989 |
| Return on assets (ROA) | 0.5583% | 4,452 |
| Pretax return on assets | 0.9402% | 3,618 |
| Return on Equity (ROE) | 5.7435% | 4,147 |
| Retained earnings to average equity (ytd only) | 4.2003% | 3,745 |
| Net charge-offs to loans | 0.2356% | 3,949 |
| Credit loss provision to net charge-offs | 182.3147% | 1,627 |
| Earnings coverage of net charge-offs (x) | 18.6879% | 1,294 |
| Efficiency ratio | 61.3000% | 5,517 |
| Assets per employee ($millions) | 5.5882% | 1,514 |
| Cash dividends to net income (ytd only)* | 26.8686% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1943% | 1,870 |
| Loan loss allowance to noncurrent loans | 545.6995% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 6,668 |
| Noncurrent loans to loans | 0.4021% | 6,048 |
| Net loans and leases to total assets | 25.1353% | 7,206 |
| Net loans and leases to deposits | 27.9505% | 7,243 |
| Net loans and leases to core deposits | 28.9286% | 7,240 |
| Total domestic deposits to total assets | 89.9277% | 904 |
| Equity capital to assets | 9.7521% | 4,701 |
| Core capital (leverage) ratio | 9.6563% | 3,908 |
| Tier 1 risk-based capital ratio | 35.7150% | 324 |
| Total risk-based capital ratio | 36.9371% | 322 |
| Memoranda: | ||
| Average total assets | $1,655,023,250 | 403 |
| Average earning assets | $1,582,155,000 | 377 |
| Average equity | $160,872,500 | 451 |
| Average total loans | $435,197,250 | 973 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1472% | 7,302 |
| Cost of funding earning assets | 0.4874% | 6,883 |
| Net interest margin | 2.6599% | 7,067 |
| Noninterest income to average assets | 0.4963% | 3,891 |
| Noninterest expense to average assets | 1.9211% | 6,919 |
| Loan and lease loss provision to assets | 0.1423% | 4,523 |
| Net operating income to assets | 0.5862% | 4,126 |
| Return on assets (ROA) | 0.5372% | 4,485 |
| Pretax return on assets | 0.9030% | 3,605 |
| Return on Equity (ROE) | 5.5326% | 4,196 |
| Retained earnings to average equity (ytd only) | 3.9765% | 3,670 |
| Net charge-offs to loans | 0.2644% | 3,566 |
| Credit loss provision to net charge-offs | 203.1250% | 1,488 |
| Earnings coverage of net charge-offs (x) | 16.0122% | 1,368 |
| Efficiency ratio | 62.3521% | 5,532 |
| Assets per employee ($millions) | 5.3984% | 1,660 |
| Cash dividends to net income (ytd only)* | 28.1250% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1825% | 1,956 |
| Loan loss allowance to noncurrent loans | 1,220.3585% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 6,822 |
| Noncurrent loans to loans | 0.1788% | 6,543 |
| Net loans and leases to total assets | 26.1155% | 7,283 |
| Net loans and leases to deposits | 29.1350% | 7,317 |
| Net loans and leases to core deposits | 30.1520% | 7,317 |
| Total domestic deposits to total assets | 89.6364% | 1,166 |
| Equity capital to assets | 9.9353% | 4,238 |
| Core capital (leverage) ratio | 9.8504% | 3,453 |
| Tier 1 risk-based capital ratio | 36.1101% | 320 |
| Total risk-based capital ratio | 37.3330% | 315 |
| Memoranda: | ||
| Average total assets | $1,644,150,670 | 410 |
| Average earning assets | $1,574,211,000 | 386 |
| Average equity | $159,636,330 | 455 |
| Average total loans | $435,693,000 | 988 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1474% | 7,357 |
| Cost of funding earning assets | 0.5118% | 6,936 |
| Net interest margin | 2.6355% | 7,092 |
| Noninterest income to average assets | 0.4807% | 4,045 |
| Noninterest expense to average assets | 1.9503% | 6,908 |
| Loan and lease loss provision to assets | 0.1483% | 4,160 |
| Net operating income to assets | 0.5440% | 4,299 |
| Return on assets (ROA) | 0.4992% | 4,578 |
| Pretax return on assets | 0.8362% | 3,760 |
| Return on Equity (ROE) | 5.2011% | 4,290 |
| Retained earnings to average equity (ytd only) | 3.6309% | 4,000 |
| Net charge-offs to loans | 0.5515% | 2,116 |
| Credit loss provision to net charge-offs | 101.8333% | 2,598 |
| Earnings coverage of net charge-offs (x) | 7.2433% | 1,975 |
| Efficiency ratio | 64.1202% | 5,348 |
| Assets per employee ($millions) | 5.4120% | 1,648 |
| Cash dividends to net income (ytd only)* | 30.1896% | 1,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1583% | 2,058 |
| Loan loss allowance to noncurrent loans | 716.8950% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.1003% | 6,908 |
| Noncurrent loans to loans | 0.3011% | 6,387 |
| Net loans and leases to total assets | 26.0420% | 7,341 |
| Net loans and leases to deposits | 29.1176% | 7,368 |
| Net loans and leases to core deposits | 30.1318% | 7,375 |
| Total domestic deposits to total assets | 89.4372% | 1,510 |
| Equity capital to assets | 9.7191% | 4,152 |
| Core capital (leverage) ratio | 9.7188% | 3,496 |
| Tier 1 risk-based capital ratio | 31.7670% | 448 |
| Total risk-based capital ratio | 32.9902% | 442 |
| Memoranda: | ||
| Average total assets | $1,648,361,500 | 413 |
| Average earning assets | $1,578,722,000 | 387 |
| Average equity | $158,197,000 | 453 |
| Average total loans | $435,184,500 | 1,004 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4486% | 7,404 |
| Cost of funding earning assets | 0.6757% | 6,943 |
| Net interest margin | 2.7729% | 7,062 |
| Noninterest income to average assets | 0.5006% | 4,163 |
| Noninterest expense to average assets | 1.8783% | 7,192 |
| Loan and lease loss provision to assets | 0.2543% | 4,756 |
| Net operating income to assets | 0.6778% | 3,311 |
| Return on assets (ROA) | 0.6555% | 3,558 |
| Pretax return on assets | 0.9908% | 2,958 |
| Return on Equity (ROE) | 7.0595% | 3,087 |
| Retained earnings to average equity (ytd only) | 5.4441% | 2,152 |
| Net charge-offs to loans | 0.0282% | 6,519 |
| Credit loss provision to net charge-offs | 3,472.9508% | 60 |
| Earnings coverage of net charge-offs (x) | 174.6557% | 145 |
| Efficiency ratio | 58.7202% | 6,245 |
| Assets per employee ($millions) | 5.4147% | 1,664 |
| Cash dividends to net income (ytd only)* | 22.8825% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1970% | 1,875 |
| Loan loss allowance to noncurrent loans | 461.1998% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,930 |
| Noncurrent loans to loans | 0.4764% | 6,086 |
| Net loans and leases to total assets | 25.6125% | 7,441 |
| Net loans and leases to deposits | 29.2742% | 7,469 |
| Net loans and leases to core deposits | 30.3006% | 7,467 |
| Total domestic deposits to total assets | 87.4917% | 2,552 |
| Equity capital to assets | 9.4766% | 4,432 |
| Core capital (leverage) ratio | 9.5323% | 3,669 |
| Tier 1 risk-based capital ratio | 31.5316% | 448 |
| Total risk-based capital ratio | 32.7602% | 440 |
| Memoranda: | ||
| Average total assets | $1,666,122,400 | 408 |
| Average earning assets | $1,596,222,800 | 382 |
| Average equity | $154,698,400 | 442 |
| Average total loans | $432,933,000 | 1,037 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5479% | 7,515 |
| Cost of funding earning assets | 0.7036% | 7,052 |
| Net interest margin | 2.8443% | 7,090 |
| Noninterest income to average assets | 0.5031% | 4,162 |
| Noninterest expense to average assets | 1.9018% | 7,207 |
| Loan and lease loss provision to assets | 0.2600% | 4,506 |
| Net operating income to assets | 0.6103% | 3,836 |
| Return on assets (ROA) | 0.5926% | 4,067 |
| Pretax return on assets | 1.0387% | 3,035 |
| Return on Equity (ROE) | 6.4148% | 3,616 |
| Retained earnings to average equity (ytd only) | 4.7910% | 3,136 |
| Net charge-offs to loans | 0.0376% | 6,186 |
| Credit loss provision to net charge-offs | 2,666.3934% | 113 |
| Earnings coverage of net charge-offs (x) | 136.0513% | 236 |
| Efficiency ratio | 58.1667% | 6,247 |
| Assets per employee ($millions) | 5.6038% | 1,533 |
| Cash dividends to net income (ytd only)* | 25.3135% | 2,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9764% | 2,286 |
| Loan loss allowance to noncurrent loans | 544.1831% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 7,029 |
| Noncurrent loans to loans | 0.3632% | 6,467 |
| Net loans and leases to total assets | 25.1694% | 7,549 |
| Net loans and leases to deposits | 28.9645% | 7,579 |
| Net loans and leases to core deposits | 30.4467% | 7,571 |
| Total domestic deposits to total assets | 86.8973% | 2,585 |
| Equity capital to assets | 9.2771% | 5,178 |
| Core capital (leverage) ratio | 9.2223% | 4,334 |
| Tier 1 risk-based capital ratio | 32.0801% | 432 |
| Total risk-based capital ratio | 33.3083% | 427 |
| Memoranda: | ||
| Average total assets | $1,668,429,000 | 405 |
| Average earning assets | $1,598,469,750 | 380 |
| Average equity | $154,118,500 | 440 |
| Average total loans | $432,689,750 | 1,042 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 7,561 |
| Cost of funding earning assets | 0.7342% | 7,112 |
| Net interest margin | 2.9048% | 7,003 |
| Noninterest income to average assets | 0.5069% | 4,057 |
| Noninterest expense to average assets | 1.9194% | 7,231 |
| Loan and lease loss provision to assets | 0.2574% | 4,363 |
| Net operating income to assets | 0.6363% | 3,698 |
| Return on assets (ROA) | 0.6162% | 3,940 |
| Pretax return on assets | 1.0802% | 2,847 |
| Return on Equity (ROE) | 6.6810% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.0466% | 2,881 |
| Net charge-offs to loans | 0.0564% | 5,602 |
| Credit loss provision to net charge-offs | 1,753.2787% | 229 |
| Earnings coverage of net charge-offs (x) | 93.2623% | 352 |
| Efficiency ratio | 57.6781% | 6,426 |
| Assets per employee ($millions) | 5.5247% | 1,596 |
| Cash dividends to net income (ytd only)* | 24.4631% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7880% | 2,754 |
| Loan loss allowance to noncurrent loans | 333.5907% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 6,949 |
| Noncurrent loans to loans | 0.5360% | 6,181 |
| Net loans and leases to total assets | 25.5151% | 7,617 |
| Net loans and leases to deposits | 29.4955% | 7,646 |
| Net loans and leases to core deposits | 31.0202% | 7,643 |
| Total domestic deposits to total assets | 86.5050% | 2,815 |
| Equity capital to assets | 9.2796% | 5,031 |
| Core capital (leverage) ratio | 9.3116% | 4,094 |
| Tier 1 risk-based capital ratio | 30.7862% | 467 |
| Total risk-based capital ratio | 32.0146% | 464 |
| Memoranda: | ||
| Average total assets | $1,662,322,330 | 409 |
| Average earning assets | $1,591,714,000 | 387 |
| Average equity | $153,330,670 | 444 |
| Average total loans | $432,551,670 | 1,053 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6846% | 7,644 |
| Cost of funding earning assets | 0.7734% | 7,171 |
| Net interest margin | 2.9112% | 7,002 |
| Noninterest income to average assets | 0.4885% | 4,140 |
| Noninterest expense to average assets | 1.9195% | 7,302 |
| Loan and lease loss provision to assets | 0.2533% | 4,019 |
| Net operating income to assets | 0.6321% | 3,748 |
| Return on assets (ROA) | 0.6088% | 4,002 |
| Pretax return on assets | 1.0671% | 2,852 |
| Return on Equity (ROE) | 6.6200% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.9709% | 3,172 |
| Net charge-offs to loans | 0.0473% | 4,931 |
| Credit loss provision to net charge-offs | 2,056.8627% | 247 |
| Earnings coverage of net charge-offs (x) | 110.1765% | 298 |
| Efficiency ratio | 58.0041% | 6,486 |
| Assets per employee ($millions) | 5.5425% | 1,623 |
| Cash dividends to net income (ytd only)* | 24.9107% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,509 |
| Loan loss allowance to noncurrent loans | 285.4462% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1508% | 7,102 |
| Noncurrent loans to loans | 0.5559% | 6,184 |
| Net loans and leases to total assets | 25.6159% | 7,709 |
| Net loans and leases to deposits | 29.7585% | 7,732 |
| Net loans and leases to core deposits | 31.3294% | 7,726 |
| Total domestic deposits to total assets | 86.0792% | 3,110 |
| Equity capital to assets | 9.2341% | 4,941 |
| Core capital (leverage) ratio | 9.3078% | 4,040 |
| Tier 1 risk-based capital ratio | 31.3116% | 461 |
| Total risk-based capital ratio | 32.5370% | 454 |
| Memoranda: | ||
| Average total assets | $1,656,496,500 | 422 |
| Average earning assets | $1,586,290,000 | 403 |
| Average equity | $152,327,000 | 448 |
| Average total loans | $431,381,500 | 1,085 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 7,657 |
| Cost of funding earning assets | 1.1314% | 6,876 |
| Net interest margin | 2.9558% | 6,739 |
| Noninterest income to average assets | 0.5442% | 4,078 |
| Noninterest expense to average assets | 1.9823% | 7,391 |
| Loan and lease loss provision to assets | 0.1900% | 5,820 |
| Net operating income to assets | 0.6900% | 2,974 |
| Return on assets (ROA) | 0.6516% | 3,187 |
| Pretax return on assets | 1.1508% | 2,094 |
| Return on Equity (ROE) | 7.1542% | 2,732 |
| Retained earnings to average equity (ytd only) | 5.4477% | 1,603 |
| Net charge-offs to loans | 0.0021% | 7,225 |
| Credit loss provision to net charge-offs | 34,666.6667% | 9 |
| Earnings coverage of net charge-offs (x) | 2,555.4444% | 5 |
| Efficiency ratio | 58.1294% | 6,741 |
| Assets per employee ($millions) | 5.4288% | 1,713 |
| Cash dividends to net income (ytd only)* | 23.8527% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 4,119 |
| Loan loss allowance to noncurrent loans | 263.2302% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 7,128 |
| Noncurrent loans to loans | 0.5396% | 6,170 |
| Net loans and leases to total assets | 25.6846% | 7,788 |
| Net loans and leases to deposits | 30.2042% | 7,808 |
| Net loans and leases to core deposits | 37.2573% | 7,798 |
| Total domestic deposits to total assets | 85.0363% | 3,535 |
| Equity capital to assets | 9.1574% | 4,908 |
| Core capital (leverage) ratio | 9.2020% | 4,116 |
| Tier 1 risk-based capital ratio | 30.1704% | 515 |
| Total risk-based capital ratio | 31.3656% | 501 |
| Memoranda: | ||
| Average total assets | $1,641,863,200 | 421 |
| Average earning assets | $1,576,907,200 | 405 |
| Average equity | $149,548,600 | 452 |
| Average total loans | $427,007,400 | 1,121 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1727% | 7,735 |
| Cost of funding earning assets | 1.1984% | 6,891 |
| Net interest margin | 2.9743% | 6,674 |
| Noninterest income to average assets | 0.5493% | 4,082 |
| Noninterest expense to average assets | 1.9476% | 7,468 |
| Loan and lease loss provision to assets | 0.1643% | 5,709 |
| Net operating income to assets | 0.7446% | 3,045 |
| Return on assets (ROA) | 0.6985% | 3,273 |
| Pretax return on assets | 1.2242% | 2,187 |
| Return on Equity (ROE) | 7.6788% | 2,778 |
| Retained earnings to average equity (ytd only) | 5.9584% | 1,972 |
| Net charge-offs to loans | 0.0016% | 6,972 |
| Credit loss provision to net charge-offs | 40,380.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 3,587.7166% | 2 |
| Efficiency ratio | 56.6762% | 6,911 |
| Assets per employee ($millions) | 5.4194% | 1,691 |
| Cash dividends to net income (ytd only)* | 22.4048% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 5,078 |
| Loan loss allowance to noncurrent loans | 268.6816% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 7,241 |
| Noncurrent loans to loans | 0.4485% | 6,428 |
| Net loans and leases to total assets | 25.6588% | 7,877 |
| Net loans and leases to deposits | 30.9460% | 7,896 |
| Net loans and leases to core deposits | 38.1728% | 7,872 |
| Total domestic deposits to total assets | 82.9149% | 4,263 |
| Equity capital to assets | 9.1445% | 5,270 |
| Core capital (leverage) ratio | 9.1753% | 4,371 |
| Tier 1 risk-based capital ratio | 30.6693% | 534 |
| Total risk-based capital ratio | 31.6960% | 529 |
| Memoranda: | ||
| Average total assets | $1,638,386,000 | 432 |
| Average earning assets | $1,574,810,250 | 417 |
| Average equity | $149,029,500 | 463 |
| Average total loans | $425,907,750 | 1,143 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 7,777 |
| Cost of funding earning assets | 1.2731% | 6,888 |
| Net interest margin | 3.0274% | 6,467 |
| Noninterest income to average assets | 0.5511% | 4,030 |
| Noninterest expense to average assets | 1.9889% | 7,481 |
| Loan and lease loss provision to assets | 0.1821% | 5,220 |
| Net operating income to assets | 0.7380% | 3,104 |
| Return on assets (ROA) | 0.7209% | 3,272 |
| Pretax return on assets | 1.2635% | 2,121 |
| Return on Equity (ROE) | 7.9401% | 2,800 |
| Retained earnings to average equity (ytd only) | 6.1985% | 1,929 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9909% | 6,990 |
| Assets per employee ($millions) | 5.3140% | 1,756 |
| Cash dividends to net income (ytd only)* | 21.9338% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,430 |
| Loan loss allowance to noncurrent loans | 421.9251% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 7,386 |
| Noncurrent loans to loans | 0.2664% | 6,861 |
| Net loans and leases to total assets | 25.6911% | 7,967 |
| Net loans and leases to deposits | 31.1473% | 7,977 |
| Net loans and leases to core deposits | 38.4296% | 7,948 |
| Total domestic deposits to total assets | 82.4826% | 4,489 |
| Equity capital to assets | 9.2930% | 4,882 |
| Core capital (leverage) ratio | 9.3143% | 4,148 |
| Tier 1 risk-based capital ratio | 31.1373% | 534 |
| Total risk-based capital ratio | 32.0940% | 538 |
| Memoranda: | ||
| Average total assets | $1,635,344,670 | 443 |
| Average earning assets | $1,571,952,330 | 426 |
| Average equity | $148,487,000 | 471 |
| Average total loans | $425,247,670 | 1,174 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 7,782 |
| Cost of funding earning assets | 1.3922% | 6,764 |
| Net interest margin | 3.0291% | 6,404 |
| Noninterest income to average assets | 0.5063% | 4,272 |
| Noninterest expense to average assets | 1.9038% | 7,538 |
| Loan and lease loss provision to assets | 0.2148% | 4,298 |
| Net operating income to assets | 0.7424% | 3,380 |
| Return on assets (ROA) | 0.7395% | 3,574 |
| Pretax return on assets | 1.2962% | 2,297 |
| Return on Equity (ROE) | 8.2403% | 3,044 |
| Retained earnings to average equity (ytd only) | 6.4794% | 2,424 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1314% | 7,087 |
| Assets per employee ($millions) | 5.4651% | 1,594 |
| Cash dividends to net income (ytd only)* | 21.3698% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 6,346 |
| Loan loss allowance to noncurrent loans | 581.6527% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 7,395 |
| Noncurrent loans to loans | 0.1676% | 7,045 |
| Net loans and leases to total assets | 25.3099% | 8,018 |
| Net loans and leases to deposits | 30.4655% | 8,031 |
| Net loans and leases to core deposits | 39.5973% | 7,986 |
| Total domestic deposits to total assets | 83.0772% | 4,103 |
| Equity capital to assets | 8.8912% | 5,497 |
| Core capital (leverage) ratio | 8.9509% | 4,796 |
| Tier 1 risk-based capital ratio | 30.9971% | 581 |
| Total risk-based capital ratio | 31.8312% | 581 |
| Memoranda: | ||
| Average total assets | $1,642,632,000 | 444 |
| Average earning assets | $1,579,612,500 | 425 |
| Average equity | $147,421,500 | 480 |
| Average total loans | $427,307,500 | 1,187 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9763% | 7,852 |
| Cost of funding earning assets | 2.0057% | 6,398 |
| Net interest margin | 2.9706% | 6,985 |
| Noninterest income to average assets | 0.5778% | 4,023 |
| Noninterest expense to average assets | 1.9079% | 7,603 |
| Loan and lease loss provision to assets | 0.0823% | 6,355 |
| Net operating income to assets | 0.6359% | 4,164 |
| Return on assets (ROA) | 0.6029% | 4,153 |
| Pretax return on assets | 1.3524% | 2,119 |
| Return on Equity (ROE) | 5.9096% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.1452% | 2,546 |
| Net charge-offs to loans | 0.0007% | 7,033 |
| Credit loss provision to net charge-offs | 43,333.3333% | 7 |
| Earnings coverage of net charge-offs (x) | 7,821.6667% | 2 |
| Efficiency ratio | 55.5591% | 7,080 |
| Assets per employee ($millions) | 5.2889% | 1,647 |
| Cash dividends to net income (ytd only)* | 29.8561% | 4,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 7,047 |
| Loan loss allowance to noncurrent loans | 303.8328% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 7,287 |
| Noncurrent loans to loans | 0.2679% | 6,574 |
| Net loans and leases to total assets | 26.2662% | 8,065 |
| Net loans and leases to deposits | 31.7384% | 8,095 |
| Net loans and leases to core deposits | 41.3354% | 8,029 |
| Total domestic deposits to total assets | 82.7585% | 3,871 |
| Equity capital to assets | 9.0607% | 5,284 |
| Core capital (leverage) ratio | 9.0861% | 4,615 |
| Tier 1 risk-based capital ratio | 30.1779% | 632 |
| Total risk-based capital ratio | 30.8642% | 642 |
| Memoranda: | ||
| Average total assets | $1,578,879,800 | 443 |
| Average earning assets | $1,496,858,000 | 425 |
| Average equity | $161,077,200 | 441 |
| Average total loans | $416,558,000 | 1,152 |