Home > Fairfield County Bank > Performance and Condition Ratios
Fairfield County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 3,852 |
| Cost of funding earning assets | 1.1761% | 2,865 |
| Net interest margin | 2.8946% | 3,501 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 3.0820% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3421% | 3,971 |
| Return on assets (ROA) | 0.3154% | 4,003 |
| Pretax return on assets | 0.4012% | 3,966 |
| Return on Equity (ROE) | 3.1500% | 3,999 |
| Retained earnings to average equity (ytd only) | 3.1516% | 3,226 |
| Net charge-offs to loans | -0.0233% | 4,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 87.4140% | 501 |
| Assets per employee ($millions) | 7.0096% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 1,832 |
| Loan loss allowance to noncurrent loans | 776.1965% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 2,726 |
| Noncurrent loans to loans | 0.1659% | 2,690 |
| Net loans and leases to total assets | 72.8900% | 1,484 |
| Net loans and leases to deposits | 94.6742% | 892 |
| Net loans and leases to core deposits | 105.2565% | 1,149 |
| Total domestic deposits to total assets | 76.9900% | 3,848 |
| Equity capital to assets | 10.4349% | 1,760 |
| Core capital (leverage) ratio | 12.1242% | 1,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,944,589,600 | 589 |
| Average earning assets | $1,797,949,800 | 574 |
| Average equity | $194,633,600 | 554 |
| Average total loans | $1,401,094,600 | 548 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,834 |
| Cost of funding earning assets | 1.0697% | 2,834 |
| Net interest margin | 2.9390% | 3,457 |
| Noninterest income to average assets | 0.8500% | 852 |
| Noninterest expense to average assets | 3.0464% | 995 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.4154% | 3,939 |
| Return on assets (ROA) | 0.3775% | 4,004 |
| Pretax return on assets | 0.4820% | 3,935 |
| Return on Equity (ROE) | 3.8100% | 4,008 |
| Retained earnings to average equity (ytd only) | 3.8119% | 3,308 |
| Net charge-offs to loans | -0.0298% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.2052% | 552 |
| Assets per employee ($millions) | 7.0008% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 1,915 |
| Loan loss allowance to noncurrent loans | 831.8202% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 2,787 |
| Noncurrent loans to loans | 0.1549% | 2,777 |
| Net loans and leases to total assets | 73.1700% | 1,456 |
| Net loans and leases to deposits | 89.9952% | 1,240 |
| Net loans and leases to core deposits | 100.8385% | 1,273 |
| Total domestic deposits to total assets | 81.3000% | 3,336 |
| Equity capital to assets | 9.4420% | 2,133 |
| Core capital (leverage) ratio | 12.3906% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,948,825,000 | 588 |
| Average earning assets | $1,802,752,500 | 574 |
| Average equity | $193,005,000 | 550 |
| Average total loans | $1,395,508,500 | 552 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 3,850 |
| Cost of funding earning assets | 0.9674% | 2,713 |
| Net interest margin | 2.9424% | 3,578 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 3.0135% | 1,023 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.4291% | 3,947 |
| Return on assets (ROA) | 0.3748% | 4,058 |
| Pretax return on assets | 0.4785% | 4,000 |
| Return on Equity (ROE) | 3.7300% | 4,065 |
| Retained earnings to average equity (ytd only) | 3.7275% | 3,274 |
| Net charge-offs to loans | -0.0423% | 4,332 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.9524% | 548 |
| Assets per employee ($millions) | 7.2610% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,023 |
| Loan loss allowance to noncurrent loans | 1,201.9555% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,017 |
| Noncurrent loans to loans | 0.1063% | 2,951 |
| Net loans and leases to total assets | 68.0000% | 1,957 |
| Net loans and leases to deposits | 82.6885% | 1,786 |
| Net loans and leases to core deposits | 93.9474% | 1,570 |
| Total domestic deposits to total assets | 82.2400% | 3,179 |
| Equity capital to assets | 9.7292% | 2,013 |
| Core capital (leverage) ratio | 12.4008% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,959,028,667 | 571 |
| Average earning assets | $1,816,883,667 | 561 |
| Average equity | $196,967,333 | 533 |
| Average total loans | $1,386,741,667 | 541 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 3,698 |
| Cost of funding earning assets | 0.8675% | 2,480 |
| Net interest margin | 3.0202% | 3,550 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 3.0114% | 1,044 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.4863% | 3,931 |
| Return on assets (ROA) | 0.3787% | 4,070 |
| Pretax return on assets | 0.4844% | 4,012 |
| Return on Equity (ROE) | 3.7000% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.7033% | 3,347 |
| Net charge-offs to loans | -0.0336% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.7880% | 604 |
| Assets per employee ($millions) | 7.4307% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2730% | 2,169 |
| Loan loss allowance to noncurrent loans | 1,023.5838% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 2,917 |
| Noncurrent loans to loans | 0.1244% | 2,893 |
| Net loans and leases to total assets | 71.0900% | 1,511 |
| Net loans and leases to deposits | 85.1360% | 1,418 |
| Net loans and leases to core deposits | 97.3730% | 1,211 |
| Total domestic deposits to total assets | 83.5000% | 3,197 |
| Equity capital to assets | 10.3142% | 1,664 |
| Core capital (leverage) ratio | 12.5403% | 1,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,925,635,500 | 590 |
| Average earning assets | $1,785,861,000 | 580 |
| Average equity | $196,903,500 | 542 |
| Average total loans | $1,382,385,500 | 551 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4626% | 3,176 |
| Cost of funding earning assets | 0.2412% | 3,404 |
| Net interest margin | 3.2214% | 2,801 |
| Noninterest income to average assets | 0.8200% | 957 |
| Noninterest expense to average assets | 2.9209% | 1,093 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7058% | 3,607 |
| Return on assets (ROA) | 0.6464% | 3,717 |
| Pretax return on assets | 0.8188% | 3,576 |
| Return on Equity (ROE) | 6.0700% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.0710% | 2,617 |
| Net charge-offs to loans | 0.0071% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 191.7912% | 664 |
| Efficiency ratio | 76.4159% | 970 |
| Assets per employee ($millions) | 7.4391% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,559 |
| Loan loss allowance to noncurrent loans | 655.6422% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 2,639 |
| Noncurrent loans to loans | 0.1774% | 2,596 |
| Net loans and leases to total assets | 70.7400% | 1,556 |
| Net loans and leases to deposits | 84.5020% | 1,428 |
| Net loans and leases to core deposits | 92.0766% | 1,387 |
| Total domestic deposits to total assets | 83.7100% | 3,271 |
| Equity capital to assets | 10.1360% | 1,643 |
| Core capital (leverage) ratio | 12.4224% | 1,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,952,279,200 | 566 |
| Average earning assets | $1,815,465,200 | 556 |
| Average equity | $207,871,800 | 509 |
| Average total loans | $1,274,409,400 | 549 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 3,024 |
| Cost of funding earning assets | 0.1584% | 3,744 |
| Net interest margin | 3.1993% | 2,625 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.8549% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7398% | 3,449 |
| Return on assets (ROA) | 0.7332% | 3,419 |
| Pretax return on assets | 0.9320% | 3,230 |
| Return on Equity (ROE) | 6.8100% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.8059% | 2,445 |
| Net charge-offs to loans | 0.0305% | 1,227 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 48.3497% | 1,304 |
| Efficiency ratio | 75.0694% | 1,169 |
| Assets per employee ($millions) | 7.5747% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 2,594 |
| Loan loss allowance to noncurrent loans | 461.8964% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 2,396 |
| Noncurrent loans to loans | 0.2572% | 2,348 |
| Net loans and leases to total assets | 68.2400% | 1,650 |
| Net loans and leases to deposits | 84.4430% | 1,270 |
| Net loans and leases to core deposits | 86.6283% | 1,491 |
| Total domestic deposits to total assets | 80.8200% | 4,013 |
| Equity capital to assets | 9.5749% | 1,843 |
| Core capital (leverage) ratio | 12.2716% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,960,527,750 | 562 |
| Average earning assets | $1,824,458,500 | 551 |
| Average equity | $211,205,000 | 504 |
| Average total loans | $1,249,593,500 | 551 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2483% | 2,900 |
| Cost of funding earning assets | 0.1346% | 3,780 |
| Net interest margin | 3.1137% | 2,494 |
| Noninterest income to average assets | 0.7799% | 1,099 |
| Noninterest expense to average assets | 2.8094% | 1,158 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6864% | 3,354 |
| Return on assets (ROA) | 0.6798% | 3,333 |
| Pretax return on assets | 0.8655% | 3,161 |
| Return on Equity (ROE) | 6.0899% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.0899% | 2,307 |
| Net charge-offs to loans | -0.0082% | 3,514 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1141% | 1,267 |
| Assets per employee ($millions) | 7.4651% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 2,247 |
| Loan loss allowance to noncurrent loans | 498.5772% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 2,586 |
| Noncurrent loans to loans | 0.2583% | 2,442 |
| Net loans and leases to total assets | 61.2880% | 2,190 |
| Net loans and leases to deposits | 73.0192% | 1,956 |
| Net loans and leases to core deposits | 74.7283% | 2,110 |
| Total domestic deposits to total assets | 83.9341% | 3,701 |
| Equity capital to assets | 10.0464% | 1,691 |
| Core capital (leverage) ratio | 12.0948% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,972,711,000 | 551 |
| Average earning assets | $1,839,509,333 | 547 |
| Average equity | $220,200,333 | 491 |
| Average total loans | $1,223,194,000 | 557 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2250% | 2,615 |
| Cost of funding earning assets | 0.1278% | 3,803 |
| Net interest margin | 3.0973% | 2,183 |
| Noninterest income to average assets | 0.8200% | 994 |
| Noninterest expense to average assets | 2.8675% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6630% | 3,182 |
| Return on assets (ROA) | 0.6554% | 3,192 |
| Pretax return on assets | 0.8354% | 2,993 |
| Return on Equity (ROE) | 5.5830% | 3,457 |
| Retained earnings to average equity (ytd only) | 5.5830% | 2,385 |
| Net charge-offs to loans | -0.0212% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0845% | 1,399 |
| Assets per employee ($millions) | 7.6977% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,116 |
| Loan loss allowance to noncurrent loans | 508.2861% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 2,673 |
| Noncurrent loans to loans | 0.2654% | 2,523 |
| Net loans and leases to total assets | 60.0937% | 2,051 |
| Net loans and leases to deposits | 73.4322% | 1,663 |
| Net loans and leases to core deposits | 75.1583% | 1,835 |
| Total domestic deposits to total assets | 81.8356% | 4,097 |
| Equity capital to assets | 11.1775% | 1,251 |
| Core capital (leverage) ratio | 12.3007% | 972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,951,277,500 | 562 |
| Average earning assets | $1,822,251,500 | 558 |
| Average equity | $229,054,000 | 489 |
| Average total loans | $1,209,077,500 | 557 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4692% | 2,754 |
| Cost of funding earning assets | 0.1364% | 4,102 |
| Net interest margin | 3.3328% | 2,228 |
| Noninterest income to average assets | 0.9045% | 1,189 |
| Noninterest expense to average assets | 2.9840% | 1,009 |
| Loan and lease loss provision to assets | 0.0160% | 2,757 |
| Net operating income to assets | 0.8061% | 3,317 |
| Return on assets (ROA) | 0.8123% | 3,366 |
| Pretax return on assets | 1.0310% | 3,179 |
| Return on Equity (ROE) | 6.5063% | 3,642 |
| Retained earnings to average equity (ytd only) | 6.5063% | 2,123 |
| Net charge-offs to loans | -0.0271% | 4,084 |
| Credit loss provision to net charge-offs | -86.9565% | 3,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9996% | 1,304 |
| Assets per employee ($millions) | 7.6064% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,297 |
| Loan loss allowance to noncurrent loans | 467.2579% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 2,698 |
| Noncurrent loans to loans | 0.2813% | 2,597 |
| Net loans and leases to total assets | 62.1953% | 1,914 |
| Net loans and leases to deposits | 76.1241% | 1,557 |
| Net loans and leases to core deposits | 78.1029% | 1,752 |
| Total domestic deposits to total assets | 81.7026% | 4,008 |
| Equity capital to assets | 12.3065% | 1,125 |
| Core capital (leverage) ratio | 12.2876% | 990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,870,828,000 | 571 |
| Average earning assets | $1,750,634,200 | 558 |
| Average equity | $233,558,200 | 474 |
| Average total loans | $1,272,878,000 | 533 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5448% | 2,704 |
| Cost of funding earning assets | 0.1373% | 4,213 |
| Net interest margin | 3.4076% | 2,132 |
| Noninterest income to average assets | 0.9367% | 1,182 |
| Noninterest expense to average assets | 2.9394% | 1,062 |
| Loan and lease loss provision to assets | 0.0216% | 2,561 |
| Net operating income to assets | 0.9138% | 3,206 |
| Return on assets (ROA) | 0.9226% | 3,246 |
| Pretax return on assets | 1.1722% | 3,012 |
| Return on Equity (ROE) | 7.3624% | 3,573 |
| Retained earnings to average equity (ytd only) | 7.3624% | 2,285 |
| Net charge-offs to loans | -0.0354% | 4,205 |
| Credit loss provision to net charge-offs | -87.9765% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1426% | 1,480 |
| Assets per employee ($millions) | 7.6996% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 2,632 |
| Loan loss allowance to noncurrent loans | 420.9906% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 2,815 |
| Noncurrent loans to loans | 0.3017% | 2,713 |
| Net loans and leases to total assets | 64.1137% | 1,757 |
| Net loans and leases to deposits | 79.7367% | 1,315 |
| Net loans and leases to core deposits | 82.0097% | 1,571 |
| Total domestic deposits to total assets | 80.4068% | 4,179 |
| Equity capital to assets | 12.1421% | 1,336 |
| Core capital (leverage) ratio | 12.3445% | 1,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,853,624,000 | 580 |
| Average earning assets | $1,732,736,000 | 570 |
| Average equity | $232,272,000 | 478 |
| Average total loans | $1,285,488,250 | 534 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 2,643 |
| Cost of funding earning assets | 0.1392% | 4,284 |
| Net interest margin | 3.4536% | 1,993 |
| Noninterest income to average assets | 1.0030% | 1,064 |
| Noninterest expense to average assets | 2.9586% | 1,053 |
| Loan and lease loss provision to assets | 0.0329% | 2,321 |
| Net operating income to assets | 0.9718% | 2,993 |
| Return on assets (ROA) | 0.9855% | 3,031 |
| Pretax return on assets | 1.2527% | 2,757 |
| Return on Equity (ROE) | 7.7790% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.7790% | 2,160 |
| Net charge-offs to loans | -0.0443% | 4,315 |
| Credit loss provision to net charge-offs | -104.8951% | 3,068 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8286% | 1,666 |
| Assets per employee ($millions) | 7.0249% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2370% | 2,742 |
| Loan loss allowance to noncurrent loans | 239.9940% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 2,187 |
| Noncurrent loans to loans | 0.5154% | 2,132 |
| Net loans and leases to total assets | 67.3901% | 1,527 |
| Net loans and leases to deposits | 82.6846% | 1,152 |
| Net loans and leases to core deposits | 85.1830% | 1,480 |
| Total domestic deposits to total assets | 81.5025% | 4,013 |
| Equity capital to assets | 12.3774% | 1,189 |
| Core capital (leverage) ratio | 12.4495% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,822,168,333 | 581 |
| Average earning assets | $1,700,946,333 | 573 |
| Average equity | $230,853,667 | 477 |
| Average total loans | $1,292,319,333 | 539 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 2,193 |
| Cost of funding earning assets | 0.1455% | 4,335 |
| Net interest margin | 3.6227% | 1,525 |
| Noninterest income to average assets | 1.0616% | 1,036 |
| Noninterest expense to average assets | 3.0122% | 972 |
| Loan and lease loss provision to assets | 0.0672% | 1,808 |
| Net operating income to assets | 1.0723% | 2,563 |
| Return on assets (ROA) | 1.0934% | 2,575 |
| Pretax return on assets | 1.3901% | 2,308 |
| Return on Equity (ROE) | 8.5261% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.5261% | 2,087 |
| Net charge-offs to loans | -0.0276% | 4,134 |
| Credit loss provision to net charge-offs | -337.0787% | 3,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6368% | 1,988 |
| Assets per employee ($millions) | 7.1251% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,877 |
| Loan loss allowance to noncurrent loans | 170.1420% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 1,881 |
| Noncurrent loans to loans | 0.7112% | 1,818 |
| Net loans and leases to total assets | 69.6908% | 1,334 |
| Net loans and leases to deposits | 86.7565% | 909 |
| Net loans and leases to core deposits | 89.3487% | 1,267 |
| Total domestic deposits to total assets | 80.3292% | 4,154 |
| Equity capital to assets | 12.3213% | 1,142 |
| Core capital (leverage) ratio | 12.9095% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,784,887,000 | 584 |
| Average earning assets | $1,665,935,500 | 573 |
| Average equity | $228,897,500 | 474 |
| Average total loans | $1,291,370,000 | 540 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9507% | 2,878 |
| Cost of funding earning assets | 0.2906% | 4,196 |
| Net interest margin | 3.6601% | 1,937 |
| Noninterest income to average assets | 1.1457% | 825 |
| Noninterest expense to average assets | 3.3298% | 868 |
| Loan and lease loss provision to assets | 0.2630% | 1,473 |
| Net operating income to assets | 0.7413% | 3,292 |
| Return on assets (ROA) | 0.7695% | 3,325 |
| Pretax return on assets | 0.9822% | 3,097 |
| Return on Equity (ROE) | 5.7339% | 3,668 |
| Retained earnings to average equity (ytd only) | 5.7339% | 1,943 |
| Net charge-offs to loans | 0.0396% | 2,265 |
| Credit loss provision to net charge-offs | 894.4898% | 837 |
| Earnings coverage of net charge-offs (x) | 41.1388% | 1,360 |
| Efficiency ratio | 73.1851% | 1,547 |
| Assets per employee ($millions) | 6.5795% | 1,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2089% | 2,894 |
| Loan loss allowance to noncurrent loans | 285.6825% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 2,735 |
| Noncurrent loans to loans | 0.4232% | 2,711 |
| Net loans and leases to total assets | 73.4001% | 1,105 |
| Net loans and leases to deposits | 91.8886% | 786 |
| Net loans and leases to core deposits | 94.7071% | 1,199 |
| Total domestic deposits to total assets | 79.8795% | 4,061 |
| Equity capital to assets | 13.3667% | 976 |
| Core capital (leverage) ratio | 12.8887% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,666,608,800 | 566 |
| Average earning assets | $1,545,218,600 | 561 |
| Average equity | $223,651,000 | 464 |
| Average total loans | $1,237,306,200 | 531 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,074 |
| Cost of funding earning assets | 0.3313% | 4,145 |
| Net interest margin | 3.6338% | 2,144 |
| Noninterest income to average assets | 1.0812% | 889 |
| Noninterest expense to average assets | 3.2918% | 917 |
| Loan and lease loss provision to assets | 0.3533% | 1,069 |
| Net operating income to assets | 0.6201% | 3,715 |
| Return on assets (ROA) | 0.6580% | 3,701 |
| Pretax return on assets | 0.8487% | 3,518 |
| Return on Equity (ROE) | 4.8980% | 3,921 |
| Retained earnings to average equity (ytd only) | 4.8980% | 2,600 |
| Net charge-offs to loans | 0.0513% | 1,875 |
| Credit loss provision to net charge-offs | 928.6017% | 880 |
| Earnings coverage of net charge-offs (x) | 30.3305% | 1,571 |
| Efficiency ratio | 73.8681% | 1,418 |
| Assets per employee ($millions) | 6.5855% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 2,771 |
| Loan loss allowance to noncurrent loans | 370.3118% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 3,171 |
| Noncurrent loans to loans | 0.3189% | 3,141 |
| Net loans and leases to total assets | 74.6136% | 1,292 |
| Net loans and leases to deposits | 93.9577% | 926 |
| Net loans and leases to core deposits | 97.0084% | 1,381 |
| Total domestic deposits to total assets | 79.4119% | 3,980 |
| Equity capital to assets | 13.0487% | 1,160 |
| Core capital (leverage) ratio | 12.5710% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,653,949,000 | 557 |
| Average earning assets | $1,531,479,750 | 552 |
| Average equity | $222,178,750 | 458 |
| Average total loans | $1,227,661,250 | 527 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 3,230 |
| Cost of funding earning assets | 0.4058% | 4,015 |
| Net interest margin | 3.6325% | 2,369 |
| Noninterest income to average assets | 1.0579% | 886 |
| Noninterest expense to average assets | 3.4125% | 838 |
| Loan and lease loss provision to assets | 0.2232% | 1,874 |
| Net operating income to assets | 0.6043% | 3,723 |
| Return on assets (ROA) | 0.6621% | 3,632 |
| Pretax return on assets | 0.8557% | 3,440 |
| Return on Equity (ROE) | 4.8790% | 3,858 |
| Retained earnings to average equity (ytd only) | 4.8790% | 2,531 |
| Net charge-offs to loans | 0.0719% | 1,527 |
| Credit loss provision to net charge-offs | 420.6019% | 1,366 |
| Earnings coverage of net charge-offs (x) | 18.9514% | 1,746 |
| Efficiency ratio | 77.0576% | 1,148 |
| Assets per employee ($millions) | 6.6612% | 1,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 3,693 |
| Loan loss allowance to noncurrent loans | 348.7041% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 3,440 |
| Noncurrent loans to loans | 0.2792% | 3,378 |
| Net loans and leases to total assets | 74.7054% | 1,319 |
| Net loans and leases to deposits | 94.1972% | 947 |
| Net loans and leases to core deposits | 99.5111% | 1,291 |
| Total domestic deposits to total assets | 79.3075% | 3,972 |
| Equity capital to assets | 12.7601% | 1,251 |
| Core capital (leverage) ratio | 12.6338% | 1,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,627,933,667 | 555 |
| Average earning assets | $1,505,998,333 | 553 |
| Average equity | $220,904,333 | 459 |
| Average total loans | $1,200,966,333 | 531 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1591% | 3,350 |
| Cost of funding earning assets | 0.5598% | 3,643 |
| Net interest margin | 3.5992% | 2,664 |
| Noninterest income to average assets | 1.1606% | 648 |
| Noninterest expense to average assets | 3.5481% | 867 |
| Loan and lease loss provision to assets | 0.1920% | 1,565 |
| Net operating income to assets | 0.5745% | 3,674 |
| Return on assets (ROA) | 0.6712% | 3,434 |
| Pretax return on assets | 0.8624% | 3,249 |
| Return on Equity (ROE) | 4.7856% | 3,716 |
| Retained earnings to average equity (ytd only) | 4.7856% | 2,373 |
| Net charge-offs to loans | 0.2242% | 630 |
| Credit loss provision to net charge-offs | 117.5549% | 1,715 |
| Earnings coverage of net charge-offs (x) | 5.7069% | 2,033 |
| Efficiency ratio | 79.0138% | 1,235 |
| Assets per employee ($millions) | 5.7859% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,582 |
| Loan loss allowance to noncurrent loans | 304.3126% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 3,040 |
| Noncurrent loans to loans | 0.3363% | 3,290 |
| Net loans and leases to total assets | 72.0702% | 1,908 |
| Net loans and leases to deposits | 95.7237% | 938 |
| Net loans and leases to core deposits | 102.0567% | 1,316 |
| Total domestic deposits to total assets | 75.2898% | 4,556 |
| Equity capital to assets | 14.2497% | 987 |
| Core capital (leverage) ratio | 13.6330% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,562,618,500 | 554 |
| Average earning assets | $1,441,193,500 | 550 |
| Average equity | $219,159,500 | 460 |
| Average total loans | $1,138,120,000 | 535 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 3,558 |
| Cost of funding earning assets | 0.5563% | 3,844 |
| Net interest margin | 3.7346% | 2,714 |
| Noninterest income to average assets | 1.0258% | 917 |
| Noninterest expense to average assets | 3.5546% | 899 |
| Loan and lease loss provision to assets | 0.1007% | 2,045 |
| Net operating income to assets | 0.6272% | 4,081 |
| Return on assets (ROA) | 0.6714% | 4,022 |
| Pretax return on assets | 0.8631% | 3,844 |
| Return on Equity (ROE) | 4.9351% | 4,223 |
| Retained earnings to average equity (ytd only) | 4.9351% | 2,453 |
| Net charge-offs to loans | 0.1441% | 1,362 |
| Credit loss provision to net charge-offs | 97.4279% | 2,544 |
| Earnings coverage of net charge-offs (x) | 8.7842% | 2,732 |
| Efficiency ratio | 79.4751% | 985 |
| Assets per employee ($millions) | 5.6837% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,425 |
| Loan loss allowance to noncurrent loans | 139.9054% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 2,007 |
| Noncurrent loans to loans | 0.7238% | 2,068 |
| Net loans and leases to total assets | 72.1151% | 2,073 |
| Net loans and leases to deposits | 97.5073% | 794 |
| Net loans and leases to core deposits | 103.6087% | 1,258 |
| Total domestic deposits to total assets | 73.9587% | 4,773 |
| Equity capital to assets | 13.8007% | 1,167 |
| Core capital (leverage) ratio | 13.5190% | 1,052 |
| Tier 1 risk-based capital ratio | 15.8527% | 2,458 |
| Total risk-based capital ratio | 16.7667% | 2,504 |
| Memoranda: | ||
| Average total assets | $1,542,151,600 | 539 |
| Average earning assets | $1,419,129,200 | 535 |
| Average equity | $209,804,600 | 461 |
| Average total loans | $1,106,325,400 | 527 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3346% | 3,558 |
| Cost of funding earning assets | 0.5428% | 3,973 |
| Net interest margin | 3.7918% | 2,625 |
| Noninterest income to average assets | 1.0451% | 847 |
| Noninterest expense to average assets | 3.5387% | 909 |
| Loan and lease loss provision to assets | 0.0966% | 1,982 |
| Net operating income to assets | 0.7044% | 3,997 |
| Return on assets (ROA) | 0.7637% | 3,864 |
| Pretax return on assets | 0.9739% | 3,666 |
| Return on Equity (ROE) | 5.6339% | 4,155 |
| Retained earnings to average equity (ytd only) | 5.6339% | 2,549 |
| Net charge-offs to loans | 0.1261% | 1,251 |
| Credit loss provision to net charge-offs | 107.1222% | 2,134 |
| Earnings coverage of net charge-offs (x) | 11.0433% | 2,459 |
| Efficiency ratio | 77.8705% | 1,119 |
| Assets per employee ($millions) | 5.6025% | 1,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,285 |
| Loan loss allowance to noncurrent loans | 143.1768% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.6125% | 2,163 |
| Noncurrent loans to loans | 0.7335% | 2,130 |
| Net loans and leases to total assets | 71.4812% | 2,252 |
| Net loans and leases to deposits | 92.4924% | 1,374 |
| Net loans and leases to core deposits | 99.3673% | 1,711 |
| Total domestic deposits to total assets | 77.2834% | 4,478 |
| Equity capital to assets | 14.0199% | 1,141 |
| Core capital (leverage) ratio | 13.6610% | 1,090 |
| Tier 1 risk-based capital ratio | 16.4212% | 2,296 |
| Total risk-based capital ratio | 17.3713% | 2,324 |
| Memoranda: | ||
| Average total assets | $1,536,931,750 | 543 |
| Average earning assets | $1,414,161,750 | 537 |
| Average equity | $208,328,500 | 461 |
| Average total loans | $1,098,228,750 | 529 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 3,412 |
| Cost of funding earning assets | 0.5339% | 3,959 |
| Net interest margin | 3.8390% | 2,440 |
| Noninterest income to average assets | 1.0381% | 806 |
| Noninterest expense to average assets | 3.5042% | 954 |
| Loan and lease loss provision to assets | 0.0878% | 2,088 |
| Net operating income to assets | 0.7665% | 3,766 |
| Return on assets (ROA) | 0.8546% | 3,512 |
| Pretax return on assets | 1.0894% | 3,266 |
| Return on Equity (ROE) | 6.3777% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.3777% | 2,109 |
| Net charge-offs to loans | 0.1473% | 1,054 |
| Credit loss provision to net charge-offs | 83.7469% | 2,190 |
| Earnings coverage of net charge-offs (x) | 10.1650% | 2,287 |
| Efficiency ratio | 76.5029% | 1,334 |
| Assets per employee ($millions) | 5.4957% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,339 |
| Loan loss allowance to noncurrent loans | 175.7720% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,609 |
| Noncurrent loans to loans | 0.5966% | 2,483 |
| Net loans and leases to total assets | 68.9276% | 2,686 |
| Net loans and leases to deposits | 85.7724% | 2,280 |
| Net loans and leases to core deposits | 94.7007% | 2,185 |
| Total domestic deposits to total assets | 80.3611% | 3,965 |
| Equity capital to assets | 13.5391% | 1,302 |
| Core capital (leverage) ratio | 13.2404% | 1,202 |
| Tier 1 risk-based capital ratio | 16.5889% | 2,206 |
| Total risk-based capital ratio | 17.5487% | 2,252 |
| Memoranda: | ||
| Average total assets | $1,537,545,670 | 546 |
| Average earning assets | $1,414,481,000 | 539 |
| Average equity | $206,032,000 | 463 |
| Average total loans | $1,094,656,000 | 528 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3611% | 3,370 |
| Cost of funding earning assets | 0.4790% | 4,161 |
| Net interest margin | 3.8821% | 2,246 |
| Noninterest income to average assets | 0.9908% | 831 |
| Noninterest expense to average assets | 3.5476% | 907 |
| Loan and lease loss provision to assets | 0.0494% | 2,672 |
| Net operating income to assets | 0.7568% | 3,754 |
| Return on assets (ROA) | 0.7595% | 3,792 |
| Pretax return on assets | 0.9682% | 3,557 |
| Return on Equity (ROE) | 5.6980% | 4,116 |
| Retained earnings to average equity (ytd only) | 5.6980% | 2,593 |
| Net charge-offs to loans | 0.0036% | 2,597 |
| Credit loss provision to net charge-offs | 1,880.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 386.2000% | 200 |
| Efficiency ratio | 77.5891% | 1,315 |
| Assets per employee ($millions) | 5.7149% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,269 |
| Loan loss allowance to noncurrent loans | 140.3153% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6017% | 2,267 |
| Noncurrent loans to loans | 0.7652% | 2,115 |
| Net loans and leases to total assets | 69.3911% | 2,571 |
| Net loans and leases to deposits | 90.1795% | 1,604 |
| Net loans and leases to core deposits | 96.0294% | 1,926 |
| Total domestic deposits to total assets | 76.9478% | 4,657 |
| Equity capital to assets | 13.2498% | 1,317 |
| Core capital (leverage) ratio | 13.4327% | 1,108 |
| Tier 1 risk-based capital ratio | 16.0548% | 2,416 |
| Total risk-based capital ratio | 17.0205% | 2,468 |
| Memoranda: | ||
| Average total assets | $1,523,184,500 | 548 |
| Average earning assets | $1,401,108,500 | 541 |
| Average equity | $203,018,500 | 467 |
| Average total loans | $1,096,468,000 | 532 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2588% | 3,247 |
| Cost of funding earning assets | 0.2866% | 4,633 |
| Net interest margin | 3.9722% | 2,080 |
| Noninterest income to average assets | 1.1235% | 732 |
| Noninterest expense to average assets | 3.6344% | 833 |
| Loan and lease loss provision to assets | 0.0836% | 2,463 |
| Net operating income to assets | 0.8349% | 3,676 |
| Return on assets (ROA) | 0.8329% | 3,680 |
| Pretax return on assets | 1.0503% | 3,442 |
| Return on Equity (ROE) | 6.4968% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.4968% | 1,925 |
| Net charge-offs to loans | 0.1747% | 1,101 |
| Credit loss provision to net charge-offs | 64.4330% | 3,057 |
| Earnings coverage of net charge-offs (x) | 8.7577% | 2,867 |
| Efficiency ratio | 76.0073% | 1,365 |
| Assets per employee ($millions) | 5.3848% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 3,357 |
| Loan loss allowance to noncurrent loans | 290.2433% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,227 |
| Noncurrent loans to loans | 0.3629% | 3,235 |
| Net loans and leases to total assets | 73.1392% | 2,070 |
| Net loans and leases to deposits | 92.6731% | 1,442 |
| Net loans and leases to core deposits | 96.2926% | 2,038 |
| Total domestic deposits to total assets | 78.9217% | 4,326 |
| Equity capital to assets | 13.4112% | 1,177 |
| Core capital (leverage) ratio | 13.1695% | 1,186 |
| Tier 1 risk-based capital ratio | 16.1914% | 2,345 |
| Total risk-based capital ratio | 17.1675% | 2,376 |
| Memoranda: | ||
| Average total assets | $1,495,034,400 | 543 |
| Average earning assets | $1,372,765,200 | 534 |
| Average equity | $191,665,000 | 466 |
| Average total loans | $1,110,247,600 | 514 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2065% | 3,299 |
| Cost of funding earning assets | 0.2586% | 4,734 |
| Net interest margin | 3.9479% | 2,135 |
| Noninterest income to average assets | 1.0887% | 795 |
| Noninterest expense to average assets | 3.6321% | 818 |
| Loan and lease loss provision to assets | 0.0947% | 2,083 |
| Net operating income to assets | 0.7745% | 3,996 |
| Return on assets (ROA) | 0.7718% | 4,009 |
| Pretax return on assets | 0.9853% | 3,767 |
| Return on Equity (ROE) | 6.0899% | 4,239 |
| Retained earnings to average equity (ytd only) | 6.0899% | 2,612 |
| Net charge-offs to loans | 0.2034% | 832 |
| Credit loss provision to net charge-offs | 62.6031% | 2,715 |
| Earnings coverage of net charge-offs (x) | 7.1649% | 2,825 |
| Efficiency ratio | 76.8512% | 1,248 |
| Assets per employee ($millions) | 5.4187% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 3,570 |
| Loan loss allowance to noncurrent loans | 175.9268% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 2,915 |
| Noncurrent loans to loans | 0.5873% | 2,619 |
| Net loans and leases to total assets | 74.4674% | 1,908 |
| Net loans and leases to deposits | 92.9635% | 1,507 |
| Net loans and leases to core deposits | 95.8282% | 2,131 |
| Total domestic deposits to total assets | 80.1039% | 4,095 |
| Equity capital to assets | 12.7823% | 1,430 |
| Core capital (leverage) ratio | 12.9873% | 1,283 |
| Tier 1 risk-based capital ratio | 15.5372% | 2,637 |
| Total risk-based capital ratio | 16.4802% | 2,694 |
| Memoranda: | ||
| Average total assets | $1,497,239,500 | 540 |
| Average earning assets | $1,375,453,000 | 535 |
| Average equity | $189,751,500 | 465 |
| Average total loans | $1,113,165,250 | 507 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 3,277 |
| Cost of funding earning assets | 0.2325% | 4,834 |
| Net interest margin | 3.9187% | 2,143 |
| Noninterest income to average assets | 1.1670% | 708 |
| Noninterest expense to average assets | 3.6184% | 850 |
| Loan and lease loss provision to assets | 0.0501% | 2,914 |
| Net operating income to assets | 0.8617% | 3,622 |
| Return on assets (ROA) | 0.8577% | 3,636 |
| Pretax return on assets | 1.0944% | 3,340 |
| Return on Equity (ROE) | 6.7868% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.7868% | 2,174 |
| Net charge-offs to loans | 0.0274% | 2,305 |
| Credit loss provision to net charge-offs | 246.7105% | 1,154 |
| Earnings coverage of net charge-offs (x) | 56.6382% | 1,031 |
| Efficiency ratio | 75.7190% | 1,461 |
| Assets per employee ($millions) | 5.2539% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,065 |
| Loan loss allowance to noncurrent loans | 97.7146% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 1,768 |
| Noncurrent loans to loans | 1.1620% | 1,500 |
| Net loans and leases to total assets | 71.8474% | 2,300 |
| Net loans and leases to deposits | 90.8150% | 1,733 |
| Net loans and leases to core deposits | 93.3304% | 2,283 |
| Total domestic deposits to total assets | 79.1140% | 4,409 |
| Equity capital to assets | 12.5841% | 1,494 |
| Core capital (leverage) ratio | 12.9222% | 1,257 |
| Tier 1 risk-based capital ratio | 15.8171% | 2,503 |
| Total risk-based capital ratio | 16.8582% | 2,534 |
| Memoranda: | ||
| Average total assets | $1,497,798,000 | 540 |
| Average earning assets | $1,376,314,000 | 533 |
| Average equity | $189,279,670 | 466 |
| Average total loans | $1,109,109,000 | 508 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 3,130 |
| Cost of funding earning assets | 0.2168% | 4,916 |
| Net interest margin | 3.9127% | 1,991 |
| Noninterest income to average assets | 1.2506% | 593 |
| Noninterest expense to average assets | 3.6703% | 799 |
| Loan and lease loss provision to assets | 0.0505% | 2,767 |
| Net operating income to assets | 0.8893% | 3,339 |
| Return on assets (ROA) | 0.8813% | 3,384 |
| Pretax return on assets | 1.1239% | 3,073 |
| Return on Equity (ROE) | 6.9587% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.9587% | 2,296 |
| Net charge-offs to loans | 0.0786% | 1,343 |
| Credit loss provision to net charge-offs | 85.8447% | 1,692 |
| Earnings coverage of net charge-offs (x) | 20.1507% | 1,481 |
| Efficiency ratio | 75.4396% | 1,680 |
| Assets per employee ($millions) | 5.3349% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,381 |
| Loan loss allowance to noncurrent loans | 111.3326% | 3,252 |
| Noncurrent assets plus other real estate owned to assets | 0.7461% | 2,084 |
| Noncurrent loans to loans | 0.9882% | 1,848 |
| Net loans and leases to total assets | 74.6728% | 1,758 |
| Net loans and leases to deposits | 92.4512% | 1,398 |
| Net loans and leases to core deposits | 95.0200% | 2,053 |
| Total domestic deposits to total assets | 80.7700% | 4,254 |
| Equity capital to assets | 12.8102% | 1,336 |
| Core capital (leverage) ratio | 12.8238% | 1,242 |
| Tier 1 risk-based capital ratio | 15.6582% | 2,610 |
| Total risk-based capital ratio | 16.6882% | 2,617 |
| Memoranda: | ||
| Average total assets | $1,490,141,000 | 544 |
| Average earning assets | $1,372,661,000 | 538 |
| Average equity | $188,714,000 | 474 |
| Average total loans | $1,113,855,000 | 513 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1742% | 2,791 |
| Cost of funding earning assets | 0.2059% | 4,896 |
| Net interest margin | 3.9683% | 1,852 |
| Noninterest income to average assets | 0.8614% | 1,380 |
| Noninterest expense to average assets | 3.5182% | 1,002 |
| Loan and lease loss provision to assets | 0.1560% | 1,443 |
| Net operating income to assets | 0.1003% | 5,258 |
| Return on assets (ROA) | 0.1010% | 5,262 |
| Pretax return on assets | 0.8248% | 4,187 |
| Return on Equity (ROE) | 0.8091% | 5,263 |
| Retained earnings to average equity (ytd only) | 0.8091% | 4,707 |
| Net charge-offs to loans | 0.4412% | 550 |
| Credit loss provision to net charge-offs | 44.4320% | 3,395 |
| Earnings coverage of net charge-offs (x) | 2.7899% | 3,699 |
| Efficiency ratio | 78.0539% | 1,340 |
| Assets per employee ($millions) | 5.2722% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 3,364 |
| Loan loss allowance to noncurrent loans | 126.6343% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 2,371 |
| Noncurrent loans to loans | 0.8677% | 2,055 |
| Net loans and leases to total assets | 73.1976% | 2,064 |
| Net loans and leases to deposits | 90.9210% | 1,662 |
| Net loans and leases to core deposits | 93.4201% | 2,248 |
| Total domestic deposits to total assets | 80.5068% | 4,249 |
| Equity capital to assets | 12.5216% | 1,507 |
| Core capital (leverage) ratio | 12.2987% | 1,447 |
| Tier 1 risk-based capital ratio | 14.5091% | 3,088 |
| Total risk-based capital ratio | 15.4845% | 3,126 |
| Memoranda: | ||
| Average total assets | $1,529,176,600 | 510 |
| Average earning assets | $1,401,364,000 | 505 |
| Average equity | $190,823,000 | 455 |
| Average total loans | $1,217,108,800 | 453 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 2,660 |
| Cost of funding earning assets | 0.2040% | 4,944 |
| Net interest margin | 3.9837% | 1,766 |
| Noninterest income to average assets | 1.1072% | 830 |
| Noninterest expense to average assets | 3.4956% | 1,004 |
| Loan and lease loss provision to assets | 0.1759% | 1,144 |
| Net operating income to assets | 0.7024% | 3,968 |
| Return on assets (ROA) | 0.7028% | 4,030 |
| Pretax return on assets | 1.0833% | 3,368 |
| Return on Equity (ROE) | 5.6370% | 4,274 |
| Retained earnings to average equity (ytd only) | 5.6370% | 2,462 |
| Net charge-offs to loans | 0.1790% | 1,178 |
| Credit loss provision to net charge-offs | 121.4029% | 1,990 |
| Earnings coverage of net charge-offs (x) | 8.6847% | 2,749 |
| Efficiency ratio | 73.3666% | 1,994 |
| Assets per employee ($millions) | 5.4303% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,496 |
| Loan loss allowance to noncurrent loans | 80.1840% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.3575% | 1,161 |
| Noncurrent loans to loans | 1.5886% | 1,160 |
| Net loans and leases to total assets | 79.8180% | 1,011 |
| Net loans and leases to deposits | 100.1671% | 732 |
| Net loans and leases to core deposits | 102.9763% | 1,468 |
| Total domestic deposits to total assets | 79.6849% | 4,397 |
| Equity capital to assets | 12.9274% | 1,427 |
| Core capital (leverage) ratio | 12.4628% | 1,432 |
| Tier 1 risk-based capital ratio | 14.1920% | 3,355 |
| Total risk-based capital ratio | 15.3729% | 3,297 |
| Memoranda: | ||
| Average total assets | $1,534,508,000 | 512 |
| Average earning assets | $1,404,828,000 | 506 |
| Average equity | $191,327,000 | 455 |
| Average total loans | $1,242,392,750 | 451 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 2,684 |
| Cost of funding earning assets | 0.1956% | 5,028 |
| Net interest margin | 3.9516% | 1,769 |
| Noninterest income to average assets | 1.1433% | 767 |
| Noninterest expense to average assets | 3.5163% | 988 |
| Loan and lease loss provision to assets | 0.2336% | 737 |
| Net operating income to assets | 0.6557% | 4,050 |
| Return on assets (ROA) | 0.6563% | 4,109 |
| Pretax return on assets | 1.0135% | 3,511 |
| Return on Equity (ROE) | 5.3283% | 4,347 |
| Retained earnings to average equity (ytd only) | 5.3283% | 2,515 |
| Net charge-offs to loans | 0.2657% | 771 |
| Credit loss provision to net charge-offs | 108.5645% | 1,907 |
| Earnings coverage of net charge-offs (x) | 5.7913% | 2,782 |
| Efficiency ratio | 73.6694% | 2,074 |
| Assets per employee ($millions) | 5.5946% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,810 |
| Loan loss allowance to noncurrent loans | 86.9968% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 1,397 |
| Noncurrent loans to loans | 1.4170% | 1,347 |
| Net loans and leases to total assets | 79.2734% | 1,054 |
| Net loans and leases to deposits | 98.3503% | 860 |
| Net loans and leases to core deposits | 100.9207% | 1,589 |
| Total domestic deposits to total assets | 80.6031% | 4,284 |
| Equity capital to assets | 12.3814% | 1,683 |
| Core capital (leverage) ratio | 12.1178% | 1,577 |
| Tier 1 risk-based capital ratio | 13.6774% | 3,602 |
| Total risk-based capital ratio | 14.8196% | 3,574 |
| Memoranda: | ||
| Average total assets | $1,540,996,330 | 512 |
| Average earning assets | $1,411,365,330 | 506 |
| Average equity | $189,817,670 | 456 |
| Average total loans | $1,248,230,330 | 448 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 2,621 |
| Cost of funding earning assets | 0.1883% | 5,084 |
| Net interest margin | 3.9205% | 1,705 |
| Noninterest income to average assets | 1.2137% | 698 |
| Noninterest expense to average assets | 3.5086% | 1,028 |
| Loan and lease loss provision to assets | 0.2934% | 473 |
| Net operating income to assets | 0.6495% | 3,938 |
| Return on assets (ROA) | 0.6506% | 3,968 |
| Pretax return on assets | 1.0079% | 3,334 |
| Return on Equity (ROE) | 5.2960% | 4,258 |
| Retained earnings to average equity (ytd only) | 5.2960% | 2,739 |
| Net charge-offs to loans | 0.4317% | 427 |
| Credit loss provision to net charge-offs | 83.5189% | 1,731 |
| Earnings coverage of net charge-offs (x) | 3.6993% | 2,457 |
| Efficiency ratio | 72.8047% | 2,443 |
| Assets per employee ($millions) | 5.5066% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 3,105 |
| Loan loss allowance to noncurrent loans | 88.4025% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0906% | 1,637 |
| Noncurrent loans to loans | 1.3631% | 1,478 |
| Net loans and leases to total assets | 79.0426% | 976 |
| Net loans and leases to deposits | 98.6335% | 713 |
| Net loans and leases to core deposits | 101.4571% | 1,409 |
| Total domestic deposits to total assets | 80.1376% | 4,590 |
| Equity capital to assets | 12.1712% | 1,726 |
| Core capital (leverage) ratio | 12.0758% | 1,582 |
| Tier 1 risk-based capital ratio | 13.5082% | 3,777 |
| Total risk-based capital ratio | 14.6244% | 3,767 |
| Memoranda: | ||
| Average total assets | $1,533,852,000 | 514 |
| Average earning assets | $1,406,255,000 | 508 |
| Average equity | $188,443,500 | 457 |
| Average total loans | $1,248,188,000 | 447 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1321% | 2,731 |
| Cost of funding earning assets | 0.2299% | 4,737 |
| Net interest margin | 3.9022% | 1,957 |
| Noninterest income to average assets | 1.1306% | 895 |
| Noninterest expense to average assets | 3.6119% | 999 |
| Loan and lease loss provision to assets | 0.0873% | 2,621 |
| Net operating income to assets | 0.6447% | 4,020 |
| Return on assets (ROA) | 0.6633% | 4,053 |
| Pretax return on assets | 1.0185% | 3,412 |
| Return on Equity (ROE) | 5.5868% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.5868% | 1,960 |
| Net charge-offs to loans | 0.1279% | 1,966 |
| Credit loss provision to net charge-offs | 84.0075% | 2,910 |
| Earnings coverage of net charge-offs (x) | 10.3715% | 2,647 |
| Efficiency ratio | 76.7636% | 1,887 |
| Assets per employee ($millions) | 5.2959% | 2,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,999 |
| Loan loss allowance to noncurrent loans | 100.6935% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.0142% | 1,866 |
| Noncurrent loans to loans | 1.2117% | 1,700 |
| Net loans and leases to total assets | 81.7798% | 632 |
| Net loans and leases to deposits | 99.6883% | 686 |
| Net loans and leases to core deposits | 102.7967% | 1,382 |
| Total domestic deposits to total assets | 82.0355% | 4,065 |
| Equity capital to assets | 12.4038% | 1,574 |
| Core capital (leverage) ratio | 11.9485% | 1,635 |
| Tier 1 risk-based capital ratio | 13.4294% | 3,815 |
| Total risk-based capital ratio | 14.5755% | 3,790 |
| Memoranda: | ||
| Average total assets | $1,547,178,800 | 495 |
| Average earning assets | $1,410,958,400 | 494 |
| Average equity | $183,682,800 | 452 |
| Average total loans | $1,256,642,000 | 426 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 2,771 |
| Cost of funding earning assets | 0.2337% | 4,761 |
| Net interest margin | 3.8943% | 1,994 |
| Noninterest income to average assets | 1.1573% | 853 |
| Noninterest expense to average assets | 3.6015% | 995 |
| Loan and lease loss provision to assets | 0.1036% | 2,194 |
| Net operating income to assets | 0.6563% | 4,051 |
| Return on assets (ROA) | 0.6753% | 4,104 |
| Pretax return on assets | 1.0271% | 3,523 |
| Return on Equity (ROE) | 5.7504% | 4,192 |
| Retained earnings to average equity (ytd only) | 5.7504% | 2,325 |
| Net charge-offs to loans | 0.1177% | 1,774 |
| Credit loss provision to net charge-offs | 108.9109% | 2,234 |
| Earnings coverage of net charge-offs (x) | 11.5814% | 2,475 |
| Efficiency ratio | 76.2779% | 1,938 |
| Assets per employee ($millions) | 5.7920% | 1,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2356% | 3,032 |
| Loan loss allowance to noncurrent loans | 69.6021% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 1.4945% | 1,207 |
| Noncurrent loans to loans | 1.7753% | 1,168 |
| Net loans and leases to total assets | 80.6401% | 805 |
| Net loans and leases to deposits | 100.9836% | 641 |
| Net loans and leases to core deposits | 104.1573% | 1,334 |
| Total domestic deposits to total assets | 79.8546% | 4,545 |
| Equity capital to assets | 12.0944% | 2,044 |
| Core capital (leverage) ratio | 11.4997% | 2,032 |
| Tier 1 risk-based capital ratio | 13.3140% | 3,971 |
| Total risk-based capital ratio | 14.5059% | 3,916 |
| Memoranda: | ||
| Average total assets | $1,556,638,750 | 491 |
| Average earning assets | $1,417,568,250 | 491 |
| Average equity | $182,799,750 | 456 |
| Average total loans | $1,258,407,500 | 423 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1096% | 2,820 |
| Cost of funding earning assets | 0.2310% | 4,839 |
| Net interest margin | 3.8786% | 2,051 |
| Noninterest income to average assets | 1.1824% | 807 |
| Noninterest expense to average assets | 3.5961% | 1,016 |
| Loan and lease loss provision to assets | 0.1397% | 1,623 |
| Net operating income to assets | 0.6461% | 4,057 |
| Return on assets (ROA) | 0.6747% | 4,069 |
| Pretax return on assets | 1.0204% | 3,511 |
| Return on Equity (ROE) | 5.8030% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.8030% | 2,235 |
| Net charge-offs to loans | 0.1119% | 1,710 |
| Credit loss provision to net charge-offs | 155.0498% | 1,551 |
| Earnings coverage of net charge-offs (x) | 12.3912% | 2,187 |
| Efficiency ratio | 75.9990% | 2,076 |
| Assets per employee ($millions) | 5.4304% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 3,096 |
| Loan loss allowance to noncurrent loans | 81.7976% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.3125% | 1,538 |
| Noncurrent loans to loans | 1.5239% | 1,428 |
| Net loans and leases to total assets | 78.8527% | 1,090 |
| Net loans and leases to deposits | 99.6529% | 720 |
| Net loans and leases to core deposits | 102.6405% | 1,425 |
| Total domestic deposits to total assets | 79.1274% | 4,751 |
| Equity capital to assets | 11.5626% | 2,480 |
| Core capital (leverage) ratio | 11.2882% | 2,157 |
| Tier 1 risk-based capital ratio | 12.8850% | 4,267 |
| Total risk-based capital ratio | 14.0762% | 4,215 |
| Memoranda: | ||
| Average total assets | $1,560,034,670 | 487 |
| Average earning assets | $1,419,998,000 | 484 |
| Average equity | $181,388,330 | 460 |
| Average total loans | $1,256,989,670 | 427 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 2,571 |
| Cost of funding earning assets | 0.2308% | 4,893 |
| Net interest margin | 3.9424% | 1,806 |
| Noninterest income to average assets | 1.2344% | 711 |
| Noninterest expense to average assets | 3.7590% | 829 |
| Loan and lease loss provision to assets | 0.0804% | 2,346 |
| Net operating income to assets | 0.6481% | 3,983 |
| Return on assets (ROA) | 0.6481% | 4,105 |
| Pretax return on assets | 0.9804% | 3,549 |
| Return on Equity (ROE) | 5.5578% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.5578% | 2,607 |
| Net charge-offs to loans | 0.1561% | 1,189 |
| Credit loss provision to net charge-offs | 63.6550% | 1,956 |
| Earnings coverage of net charge-offs (x) | 8.3963% | 2,057 |
| Efficiency ratio | 77.6618% | 1,946 |
| Assets per employee ($millions) | 5.2751% | 2,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 3,338 |
| Loan loss allowance to noncurrent loans | 91.3186% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.3910% | 1,497 |
| Noncurrent loans to loans | 1.3413% | 1,776 |
| Net loans and leases to total assets | 79.6936% | 859 |
| Net loans and leases to deposits | 99.6270% | 650 |
| Net loans and leases to core deposits | 104.8851% | 1,142 |
| Total domestic deposits to total assets | 79.9919% | 4,744 |
| Equity capital to assets | 11.7089% | 2,233 |
| Core capital (leverage) ratio | 11.3134% | 2,130 |
| Tier 1 risk-based capital ratio | 12.9089% | 4,319 |
| Total risk-based capital ratio | 14.0870% | 4,281 |
| Memoranda: | ||
| Average total assets | $1,541,788,000 | 495 |
| Average earning assets | $1,402,186,000 | 493 |
| Average equity | $179,782,500 | 463 |
| Average total loans | $1,248,086,500 | 427 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 2,643 |
| Cost of funding earning assets | 0.2532% | 4,745 |
| Net interest margin | 3.9210% | 1,962 |
| Noninterest income to average assets | 1.2043% | 826 |
| Noninterest expense to average assets | 3.8564% | 803 |
| Loan and lease loss provision to assets | 0.0207% | 3,981 |
| Net operating income to assets | 0.5859% | 4,351 |
| Return on assets (ROA) | 0.5937% | 4,404 |
| Pretax return on assets | 0.8977% | 3,845 |
| Return on Equity (ROE) | 5.3015% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.3015% | 2,212 |
| Net charge-offs to loans | 0.0219% | 3,827 |
| Credit loss provision to net charge-offs | 118.5185% | 2,172 |
| Earnings coverage of net charge-offs (x) | 51.8889% | 972 |
| Efficiency ratio | 80.6385% | 1,592 |
| Assets per employee ($millions) | 5.1606% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 3,208 |
| Loan loss allowance to noncurrent loans | 93.2736% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.2949% | 1,641 |
| Noncurrent loans to loans | 1.3351% | 1,767 |
| Net loans and leases to total assets | 80.2111% | 820 |
| Net loans and leases to deposits | 98.2746% | 799 |
| Net loans and leases to core deposits | 103.7418% | 1,238 |
| Total domestic deposits to total assets | 81.6194% | 4,298 |
| Equity capital to assets | 11.6119% | 2,269 |
| Core capital (leverage) ratio | 11.0477% | 2,353 |
| Tier 1 risk-based capital ratio | 12.9451% | 4,359 |
| Total risk-based capital ratio | 14.1489% | 4,280 |
| Memoranda: | ||
| Average total assets | $1,545,465,000 | 461 |
| Average earning assets | $1,402,659,600 | 464 |
| Average equity | $173,082,200 | 462 |
| Average total loans | $1,233,538,800 | 407 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 2,745 |
| Cost of funding earning assets | 0.2588% | 4,781 |
| Net interest margin | 3.8923% | 2,059 |
| Noninterest income to average assets | 1.2716% | 742 |
| Noninterest expense to average assets | 3.8949% | 750 |
| Loan and lease loss provision to assets | 0.0276% | 3,702 |
| Net operating income to assets | 0.5814% | 4,468 |
| Return on assets (ROA) | 0.5918% | 4,525 |
| Pretax return on assets | 0.8969% | 3,990 |
| Return on Equity (ROE) | 5.3130% | 4,481 |
| Retained earnings to average equity (ytd only) | 5.3130% | 2,711 |
| Net charge-offs to loans | -0.0102% | 4,994 |
| Credit loss provision to net charge-offs | -340.4255% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7594% | 1,553 |
| Assets per employee ($millions) | 5.1914% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 3,170 |
| Loan loss allowance to noncurrent loans | 108.0196% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.1523% | 2,065 |
| Noncurrent loans to loans | 1.1911% | 2,145 |
| Net loans and leases to total assets | 79.7598% | 852 |
| Net loans and leases to deposits | 97.7125% | 838 |
| Net loans and leases to core deposits | 101.4840% | 1,414 |
| Total domestic deposits to total assets | 81.6270% | 4,280 |
| Equity capital to assets | 11.5287% | 2,482 |
| Core capital (leverage) ratio | 11.0340% | 2,451 |
| Tier 1 risk-based capital ratio | 13.0730% | 4,393 |
| Total risk-based capital ratio | 14.3143% | 4,311 |
| Memoranda: | ||
| Average total assets | $1,548,335,500 | 463 |
| Average earning assets | $1,405,011,750 | 465 |
| Average equity | $172,477,750 | 467 |
| Average total loans | $1,230,697,500 | 410 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 2,814 |
| Cost of funding earning assets | 0.2606% | 4,823 |
| Net interest margin | 3.8627% | 2,095 |
| Noninterest income to average assets | 1.2338% | 800 |
| Noninterest expense to average assets | 3.8424% | 821 |
| Loan and lease loss provision to assets | 0.0411% | 3,288 |
| Net operating income to assets | 0.5668% | 4,490 |
| Return on assets (ROA) | 0.5824% | 4,518 |
| Pretax return on assets | 0.8799% | 4,032 |
| Return on Equity (ROE) | 5.2884% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.2884% | 2,681 |
| Net charge-offs to loans | -0.0293% | 5,321 |
| Credit loss provision to net charge-offs | -177.7778% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7372% | 1,656 |
| Assets per employee ($millions) | 5.4224% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 3,304 |
| Loan loss allowance to noncurrent loans | 108.0973% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.1135% | 2,278 |
| Noncurrent loans to loans | 1.1927% | 2,271 |
| Net loans and leases to total assets | 76.8789% | 1,241 |
| Net loans and leases to deposits | 96.4331% | 919 |
| Net loans and leases to core deposits | 100.3499% | 1,465 |
| Total domestic deposits to total assets | 79.7225% | 4,922 |
| Equity capital to assets | 10.8926% | 2,999 |
| Core capital (leverage) ratio | 10.9640% | 2,467 |
| Tier 1 risk-based capital ratio | 12.8733% | 4,587 |
| Total risk-based capital ratio | 14.1155% | 4,506 |
| Memoranda: | ||
| Average total assets | $1,555,694,000 | 462 |
| Average earning assets | $1,412,056,000 | 463 |
| Average equity | $171,317,670 | 473 |
| Average total loans | $1,229,860,330 | 406 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,421 |
| Cost of funding earning assets | 0.2672% | 4,826 |
| Net interest margin | 3.9410% | 1,740 |
| Noninterest income to average assets | 1.3233% | 654 |
| Noninterest expense to average assets | 3.8244% | 852 |
| Loan and lease loss provision to assets | 0.0832% | 2,309 |
| Net operating income to assets | 0.6658% | 3,974 |
| Return on assets (ROA) | 0.6705% | 4,072 |
| Pretax return on assets | 1.0073% | 3,465 |
| Return on Equity (ROE) | 6.0547% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.0547% | 2,467 |
| Net charge-offs to loans | -0.0515% | 5,530 |
| Credit loss provision to net charge-offs | -202.5316% | 4,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6013% | 2,246 |
| Assets per employee ($millions) | 5.3945% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 3,367 |
| Loan loss allowance to noncurrent loans | 147.8790% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8734% | 2,891 |
| Noncurrent loans to loans | 0.8837% | 3,035 |
| Net loans and leases to total assets | 77.4425% | 1,004 |
| Net loans and leases to deposits | 98.3128% | 654 |
| Net loans and leases to core deposits | 102.2626% | 1,161 |
| Total domestic deposits to total assets | 78.7715% | 5,300 |
| Equity capital to assets | 11.0734% | 2,893 |
| Core capital (leverage) ratio | 10.9149% | 2,500 |
| Tier 1 risk-based capital ratio | 12.8518% | 4,694 |
| Total risk-based capital ratio | 14.1030% | 4,607 |
| Memoranda: | ||
| Average total assets | $1,539,155,500 | 467 |
| Average earning assets | $1,399,932,000 | 463 |
| Average equity | $170,447,500 | 478 |
| Average total loans | $1,226,099,500 | 402 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2454% | 2,797 |
| Cost of funding earning assets | 0.3049% | 4,740 |
| Net interest margin | 3.9405% | 2,086 |
| Noninterest income to average assets | 1.1420% | 929 |
| Noninterest expense to average assets | 3.7136% | 1,122 |
| Loan and lease loss provision to assets | 0.1097% | 2,334 |
| Net operating income to assets | 0.5974% | 4,381 |
| Return on assets (ROA) | 0.6008% | 4,456 |
| Pretax return on assets | 0.8929% | 3,933 |
| Return on Equity (ROE) | 5.2979% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.0792% | 2,543 |
| Net charge-offs to loans | 0.2351% | 1,797 |
| Credit loss provision to net charge-offs | 58.9496% | 3,307 |
| Earnings coverage of net charge-offs (x) | 5.3591% | 3,441 |
| Efficiency ratio | 78.4833% | 2,137 |
| Assets per employee ($millions) | 5.2574% | 2,005 |
| Cash dividends to net income (ytd only)* | 4.1288% | 4,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2532% | 3,708 |
| Loan loss allowance to noncurrent loans | 117.2191% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 2,932 |
| Noncurrent loans to loans | 1.0691% | 2,683 |
| Net loans and leases to total assets | 79.8652% | 751 |
| Net loans and leases to deposits | 101.2727% | 554 |
| Net loans and leases to core deposits | 106.6738% | 971 |
| Total domestic deposits to total assets | 78.8616% | 5,276 |
| Equity capital to assets | 11.0664% | 2,835 |
| Core capital (leverage) ratio | 10.4737% | 2,979 |
| Tier 1 risk-based capital ratio | 12.8300% | 4,841 |
| Total risk-based capital ratio | 14.0819% | 4,747 |
| Memoranda: | ||
| Average total assets | $1,503,624,000 | 462 |
| Average earning assets | $1,361,920,600 | 466 |
| Average equity | $170,519,800 | 465 |
| Average total loans | $1,190,422,200 | 394 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 2,883 |
| Cost of funding earning assets | 0.3109% | 4,770 |
| Net interest margin | 3.9199% | 2,157 |
| Noninterest income to average assets | 1.1394% | 927 |
| Noninterest expense to average assets | 3.6616% | 1,187 |
| Loan and lease loss provision to assets | 0.0623% | 3,111 |
| Net operating income to assets | 0.6374% | 4,274 |
| Return on assets (ROA) | 0.6494% | 4,316 |
| Pretax return on assets | 0.9808% | 3,673 |
| Return on Equity (ROE) | 5.6913% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.4730% | 2,781 |
| Net charge-offs to loans | 0.1381% | 2,417 |
| Credit loss provision to net charge-offs | 57.2831% | 2,991 |
| Earnings coverage of net charge-offs (x) | 9.4255% | 2,675 |
| Efficiency ratio | 77.7868% | 2,215 |
| Assets per employee ($millions) | 5.3045% | 1,898 |
| Cash dividends to net income (ytd only)* | 3.8366% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 3,548 |
| Loan loss allowance to noncurrent loans | 91.4832% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 2,553 |
| Noncurrent loans to loans | 1.4429% | 2,260 |
| Net loans and leases to total assets | 78.1428% | 943 |
| Net loans and leases to deposits | 97.9666% | 739 |
| Net loans and leases to core deposits | 103.6063% | 1,122 |
| Total domestic deposits to total assets | 79.7647% | 5,156 |
| Equity capital to assets | 11.4269% | 2,552 |
| Core capital (leverage) ratio | 11.2336% | 2,281 |
| Tier 1 risk-based capital ratio | 13.3410% | 4,651 |
| Total risk-based capital ratio | 14.6308% | 4,552 |
| Memoranda: | ||
| Average total assets | $1,498,368,250 | 460 |
| Average earning assets | $1,355,849,750 | 466 |
| Average equity | $170,969,000 | 457 |
| Average total loans | $1,179,748,750 | 395 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2300% | 2,847 |
| Cost of funding earning assets | 0.3237% | 4,716 |
| Net interest margin | 3.9063% | 2,139 |
| Noninterest income to average assets | 1.1523% | 885 |
| Noninterest expense to average assets | 3.6038% | 1,288 |
| Loan and lease loss provision to assets | 0.0808% | 2,683 |
| Net operating income to assets | 0.6494% | 4,102 |
| Return on assets (ROA) | 0.6780% | 4,056 |
| Pretax return on assets | 1.0417% | 3,313 |
| Return on Equity (ROE) | 5.9446% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.7237% | 2,497 |
| Net charge-offs to loans | 0.1925% | 1,874 |
| Credit loss provision to net charge-offs | 53.4283% | 2,748 |
| Earnings coverage of net charge-offs (x) | 7.1318% | 2,678 |
| Efficiency ratio | 76.6164% | 2,518 |
| Assets per employee ($millions) | 5.2434% | 1,923 |
| Cash dividends to net income (ytd only)* | 3.7147% | 3,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 3,565 |
| Loan loss allowance to noncurrent loans | 98.5958% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 2,676 |
| Noncurrent loans to loans | 1.3740% | 2,515 |
| Net loans and leases to total assets | 79.1824% | 779 |
| Net loans and leases to deposits | 94.3639% | 936 |
| Net loans and leases to core deposits | 100.2992% | 1,258 |
| Total domestic deposits to total assets | 83.9118% | 3,955 |
| Equity capital to assets | 11.6958% | 2,243 |
| Core capital (leverage) ratio | 11.2193% | 2,228 |
| Tier 1 risk-based capital ratio | 13.4983% | 4,580 |
| Total risk-based capital ratio | 14.7925% | 4,496 |
| Memoranda: | ||
| Average total assets | $1,485,052,670 | 465 |
| Average earning assets | $1,342,031,670 | 467 |
| Average equity | $169,365,000 | 459 |
| Average total loans | $1,166,944,000 | 395 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 2,782 |
| Cost of funding earning assets | 0.3258% | 4,785 |
| Net interest margin | 3.8990% | 2,091 |
| Noninterest income to average assets | 1.2436% | 711 |
| Noninterest expense to average assets | 3.5112% | 1,465 |
| Loan and lease loss provision to assets | 0.1209% | 1,981 |
| Net operating income to assets | 0.7448% | 3,456 |
| Return on assets (ROA) | 0.8017% | 3,227 |
| Pretax return on assets | 1.2242% | 2,374 |
| Return on Equity (ROE) | 7.1203% | 3,402 |
| Retained earnings to average equity (ytd only) | 6.8983% | 2,089 |
| Net charge-offs to loans | 0.2261% | 1,418 |
| Credit loss provision to net charge-offs | 68.8073% | 2,017 |
| Earnings coverage of net charge-offs (x) | 7.1544% | 2,151 |
| Efficiency ratio | 73.2852% | 3,265 |
| Assets per employee ($millions) | 5.3251% | 1,886 |
| Cash dividends to net income (ytd only)* | 3.1177% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 3,539 |
| Loan loss allowance to noncurrent loans | 104.4392% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 2,952 |
| Noncurrent loans to loans | 1.3527% | 2,782 |
| Net loans and leases to total assets | 76.7469% | 913 |
| Net loans and leases to deposits | 93.2597% | 853 |
| Net loans and leases to core deposits | 99.2485% | 1,152 |
| Total domestic deposits to total assets | 82.2937% | 4,856 |
| Equity capital to assets | 11.3692% | 2,359 |
| Core capital (leverage) ratio | 11.0824% | 2,319 |
| Tier 1 risk-based capital ratio | 13.5303% | 4,663 |
| Total risk-based capital ratio | 14.8101% | 4,582 |
| Memoranda: | ||
| Average total assets | $1,488,258,500 | 462 |
| Average earning assets | $1,345,570,000 | 461 |
| Average equity | $167,578,000 | 462 |
| Average total loans | $1,156,964,500 | 395 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 3,028 |
| Cost of funding earning assets | 0.3832% | 4,816 |
| Net interest margin | 3.8984% | 2,291 |
| Noninterest income to average assets | 1.2328% | 918 |
| Noninterest expense to average assets | 3.6475% | 1,378 |
| Loan and lease loss provision to assets | 0.1207% | 2,807 |
| Net operating income to assets | 0.6526% | 4,019 |
| Return on assets (ROA) | 0.6735% | 4,022 |
| Pretax return on assets | 1.0127% | 3,302 |
| Return on Equity (ROE) | 6.3719% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.1377% | 1,892 |
| Net charge-offs to loans | 0.2248% | 2,664 |
| Credit loss provision to net charge-offs | 69.1437% | 3,329 |
| Earnings coverage of net charge-offs (x) | 6.3138% | 3,088 |
| Efficiency ratio | 76.4566% | 2,709 |
| Assets per employee ($millions) | 5.2865% | 1,865 |
| Cash dividends to net income (ytd only)* | 3.6769% | 4,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4396% | 3,466 |
| Loan loss allowance to noncurrent loans | 98.4522% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 1.2967% | 2,830 |
| Noncurrent loans to loans | 1.4622% | 2,698 |
| Net loans and leases to total assets | 76.5143% | 1,001 |
| Net loans and leases to deposits | 92.3201% | 1,019 |
| Net loans and leases to core deposits | 98.3480% | 1,279 |
| Total domestic deposits to total assets | 82.8794% | 4,585 |
| Equity capital to assets | 11.1504% | 2,473 |
| Core capital (leverage) ratio | 10.3993% | 3,023 |
| Tier 1 risk-based capital ratio | 13.0824% | 4,919 |
| Total risk-based capital ratio | 14.3543% | 4,858 |
| Memoranda: | ||
| Average total assets | $1,518,411,400 | 452 |
| Average earning assets | $1,369,863,800 | 447 |
| Average equity | $160,484,800 | 469 |
| Average total loans | $1,179,149,400 | 379 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3026% | 2,985 |
| Cost of funding earning assets | 0.3888% | 4,911 |
| Net interest margin | 3.9138% | 2,223 |
| Noninterest income to average assets | 1.3130% | 862 |
| Noninterest expense to average assets | 3.5208% | 1,563 |
| Loan and lease loss provision to assets | 0.1834% | 1,981 |
| Net operating income to assets | 0.7529% | 3,588 |
| Return on assets (ROA) | 0.7801% | 3,584 |
| Pretax return on assets | 1.1775% | 2,790 |
| Return on Equity (ROE) | 7.4807% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.2437% | 1,772 |
| Net charge-offs to loans | 0.1790% | 2,793 |
| Credit loss provision to net charge-offs | 131.9095% | 1,794 |
| Earnings coverage of net charge-offs (x) | 9.4919% | 2,479 |
| Efficiency ratio | 72.4091% | 3,332 |
| Assets per employee ($millions) | 5.3358% | 1,812 |
| Cash dividends to net income (ytd only)* | 3.1683% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 3,155 |
| Loan loss allowance to noncurrent loans | 97.7962% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 3,009 |
| Noncurrent loans to loans | 1.6019% | 2,772 |
| Net loans and leases to total assets | 74.5968% | 1,192 |
| Net loans and leases to deposits | 90.4234% | 1,120 |
| Net loans and leases to core deposits | 96.3282% | 1,366 |
| Total domestic deposits to total assets | 82.4972% | 4,760 |
| Equity capital to assets | 10.7737% | 2,983 |
| Core capital (leverage) ratio | 10.2886% | 3,262 |
| Tier 1 risk-based capital ratio | 13.1753% | 4,996 |
| Total risk-based capital ratio | 14.4291% | 4,942 |
| Memoranda: | ||
| Average total assets | $1,526,639,000 | 453 |
| Average earning assets | $1,375,947,000 | 447 |
| Average equity | $159,196,250 | 477 |
| Average total loans | $1,185,631,000 | 377 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 2,786 |
| Cost of funding earning assets | 0.3938% | 4,995 |
| Net interest margin | 3.9477% | 2,051 |
| Noninterest income to average assets | 1.3043% | 915 |
| Noninterest expense to average assets | 3.4478% | 1,723 |
| Loan and lease loss provision to assets | 0.1827% | 2,075 |
| Net operating income to assets | 0.8160% | 3,214 |
| Return on assets (ROA) | 0.8567% | 3,160 |
| Pretax return on assets | 1.2946% | 2,317 |
| Return on Equity (ROE) | 8.3059% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.0667% | 1,457 |
| Net charge-offs to loans | 0.2253% | 2,383 |
| Credit loss provision to net charge-offs | 103.6269% | 2,134 |
| Earnings coverage of net charge-offs (x) | 8.0281% | 2,465 |
| Efficiency ratio | 70.5655% | 3,721 |
| Assets per employee ($millions) | 5.5089% | 1,582 |
| Cash dividends to net income (ytd only)* | 2.8798% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4682% | 3,728 |
| Loan loss allowance to noncurrent loans | 95.7520% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.2559% | 3,245 |
| Noncurrent loans to loans | 1.5334% | 3,000 |
| Net loans and leases to total assets | 73.8914% | 1,266 |
| Net loans and leases to deposits | 89.8431% | 1,164 |
| Net loans and leases to core deposits | 96.1702% | 1,341 |
| Total domestic deposits to total assets | 82.2449% | 4,963 |
| Equity capital to assets | 10.0848% | 3,813 |
| Core capital (leverage) ratio | 9.9908% | 3,540 |
| Tier 1 risk-based capital ratio | 12.6846% | 5,363 |
| Total risk-based capital ratio | 13.9381% | 5,303 |
| Memoranda: | ||
| Average total assets | $1,532,174,330 | 450 |
| Average earning assets | $1,381,408,330 | 448 |
| Average equity | $158,033,000 | 477 |
| Average total loans | $1,199,386,670 | 368 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5554% | 1,968 |
| Cost of funding earning assets | 0.4082% | 5,026 |
| Net interest margin | 4.1472% | 1,336 |
| Noninterest income to average assets | 1.4076% | 775 |
| Noninterest expense to average assets | 3.6168% | 1,390 |
| Loan and lease loss provision to assets | 0.1860% | 1,985 |
| Net operating income to assets | 0.8843% | 2,727 |
| Return on assets (ROA) | 0.8824% | 2,882 |
| Pretax return on assets | 1.3337% | 2,109 |
| Return on Equity (ROE) | 8.4560% | 2,743 |
| Retained earnings to average equity (ytd only) | 8.2216% | 1,680 |
| Net charge-offs to loans | 0.1173% | 2,724 |
| Credit loss provision to net charge-offs | 198.3003% | 1,103 |
| Earnings coverage of net charge-offs (x) | 16.2295% | 1,370 |
| Efficiency ratio | 70.0626% | 3,961 |
| Assets per employee ($millions) | 5.3549% | 1,804 |
| Cash dividends to net income (ytd only)* | 2.7711% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 3,906 |
| Loan loss allowance to noncurrent loans | 91.4552% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 3,095 |
| Noncurrent loans to loans | 1.6167% | 3,114 |
| Net loans and leases to total assets | 77.5728% | 660 |
| Net loans and leases to deposits | 95.7231% | 559 |
| Net loans and leases to core deposits | 102.5564% | 801 |
| Total domestic deposits to total assets | 81.0388% | 5,483 |
| Equity capital to assets | 10.4054% | 3,660 |
| Core capital (leverage) ratio | 10.0177% | 3,357 |
| Tier 1 risk-based capital ratio | 12.2753% | 5,737 |
| Total risk-based capital ratio | 13.5397% | 5,680 |
| Memoranda: | ||
| Average total assets | $1,504,986,500 | 459 |
| Average earning assets | $1,354,255,500 | 453 |
| Average equity | $157,049,000 | 481 |
| Average total loans | $1,204,183,500 | 368 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 2,549 |
| Cost of funding earning assets | 0.5134% | 5,126 |
| Net interest margin | 4.1990% | 1,664 |
| Noninterest income to average assets | 1.3285% | 877 |
| Noninterest expense to average assets | 3.9577% | 1,024 |
| Loan and lease loss provision to assets | 0.9376% | 461 |
| Net operating income to assets | 0.1401% | 5,911 |
| Return on assets (ROA) | 0.1399% | 6,068 |
| Pretax return on assets | 0.1904% | 6,003 |
| Return on Equity (ROE) | 1.3131% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.0609% | 5,345 |
| Net charge-offs to loans | 1.2514% | 789 |
| Credit loss provision to net charge-offs | 91.8339% | 3,398 |
| Earnings coverage of net charge-offs (x) | 1.1051% | 4,907 |
| Efficiency ratio | 77.6266% | 2,506 |
| Assets per employee ($millions) | 5.2805% | 1,922 |
| Cash dividends to net income (ytd only)* | 19.2047% | 3,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 3,967 |
| Loan loss allowance to noncurrent loans | 80.2543% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.6710% | 2,892 |
| Noncurrent loans to loans | 1.7988% | 2,918 |
| Net loans and leases to total assets | 80.1512% | 459 |
| Net loans and leases to deposits | 97.6938% | 524 |
| Net loans and leases to core deposits | 103.4683% | 814 |
| Total domestic deposits to total assets | 82.0433% | 5,077 |
| Equity capital to assets | 10.4659% | 3,565 |
| Core capital (leverage) ratio | 9.6762% | 3,850 |
| Tier 1 risk-based capital ratio | 11.6645% | 5,984 |
| Total risk-based capital ratio | 12.9182% | 5,942 |
| Memoranda: | ||
| Average total assets | $1,474,113,400 | 455 |
| Average earning assets | $1,319,135,000 | 459 |
| Average equity | $157,033,400 | 472 |
| Average total loans | $1,202,697,600 | 364 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 2,565 |
| Cost of funding earning assets | 0.5296% | 5,248 |
| Net interest margin | 4.2245% | 1,666 |
| Noninterest income to average assets | 1.3579% | 810 |
| Noninterest expense to average assets | 3.8783% | 1,095 |
| Loan and lease loss provision to assets | 0.2967% | 2,214 |
| Net operating income to assets | 0.6483% | 4,152 |
| Return on assets (ROA) | 0.6480% | 4,411 |
| Pretax return on assets | 0.9613% | 3,866 |
| Return on Equity (ROE) | 6.0565% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.8025% | 2,833 |
| Net charge-offs to loans | 0.3281% | 2,818 |
| Credit loss provision to net charge-offs | 110.7541% | 2,647 |
| Earnings coverage of net charge-offs (x) | 4.6977% | 3,230 |
| Efficiency ratio | 75.3047% | 2,777 |
| Assets per employee ($millions) | 5.2214% | 1,915 |
| Cash dividends to net income (ytd only)* | 4.1940% | 3,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 3,554 |
| Loan loss allowance to noncurrent loans | 38.5995% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 3.9820% | 1,214 |
| Noncurrent loans to loans | 4.1210% | 1,219 |
| Net loans and leases to total assets | 78.8538% | 627 |
| Net loans and leases to deposits | 96.3534% | 636 |
| Net loans and leases to core deposits | 102.5628% | 954 |
| Total domestic deposits to total assets | 81.8380% | 5,076 |
| Equity capital to assets | 10.8071% | 3,496 |
| Core capital (leverage) ratio | 10.1749% | 3,311 |
| Tier 1 risk-based capital ratio | 12.3568% | 5,730 |
| Total risk-based capital ratio | 13.6168% | 5,698 |
| Memoranda: | ||
| Average total assets | $1,471,686,750 | 455 |
| Average earning assets | $1,316,457,750 | 461 |
| Average equity | $157,468,000 | 470 |
| Average total loans | $1,201,692,000 | 367 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7688% | 2,646 |
| Cost of funding earning assets | 0.5511% | 5,298 |
| Net interest margin | 4.2177% | 1,706 |
| Noninterest income to average assets | 1.3254% | 808 |
| Noninterest expense to average assets | 3.7735% | 1,259 |
| Loan and lease loss provision to assets | 0.3240% | 2,034 |
| Net operating income to assets | 0.6744% | 4,000 |
| Return on assets (ROA) | 0.6730% | 4,266 |
| Pretax return on assets | 0.9990% | 3,715 |
| Return on Equity (ROE) | 6.3115% | 4,148 |
| Retained earnings to average equity (ytd only) | 6.0569% | 2,683 |
| Net charge-offs to loans | 0.3861% | 2,479 |
| Credit loss provision to net charge-offs | 102.1066% | 2,665 |
| Earnings coverage of net charge-offs (x) | 4.1763% | 3,154 |
| Efficiency ratio | 73.7974% | 3,111 |
| Assets per employee ($millions) | 5.1403% | 1,982 |
| Cash dividends to net income (ytd only)* | 4.0332% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,731 |
| Loan loss allowance to noncurrent loans | 36.4114% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 4.1171% | 1,221 |
| Noncurrent loans to loans | 4.2917% | 1,259 |
| Net loans and leases to total assets | 79.2870% | 586 |
| Net loans and leases to deposits | 96.7592% | 584 |
| Net loans and leases to core deposits | 103.2242% | 906 |
| Total domestic deposits to total assets | 81.9426% | 5,156 |
| Equity capital to assets | 10.6719% | 3,487 |
| Core capital (leverage) ratio | 10.1319% | 3,220 |
| Tier 1 risk-based capital ratio | 12.2384% | 5,759 |
| Total risk-based capital ratio | 13.4940% | 5,741 |
| Memoranda: | ||
| Average total assets | $1,466,219,330 | 457 |
| Average earning assets | $1,311,650,000 | 464 |
| Average equity | $156,350,670 | 472 |
| Average total loans | $1,204,795,670 | 368 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 2,662 |
| Cost of funding earning assets | 0.5843% | 5,254 |
| Net interest margin | 4.2096% | 1,738 |
| Noninterest income to average assets | 1.4555% | 683 |
| Noninterest expense to average assets | 3.7862% | 1,230 |
| Loan and lease loss provision to assets | 0.3707% | 1,702 |
| Net operating income to assets | 0.7270% | 3,749 |
| Return on assets (ROA) | 0.7242% | 3,991 |
| Pretax return on assets | 1.0653% | 3,454 |
| Return on Equity (ROE) | 6.7939% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.5285% | 2,665 |
| Net charge-offs to loans | 0.4351% | 2,006 |
| Credit loss provision to net charge-offs | 102.6616% | 2,245 |
| Earnings coverage of net charge-offs (x) | 3.9878% | 2,697 |
| Efficiency ratio | 72.1875% | 3,407 |
| Assets per employee ($millions) | 5.1822% | 2,012 |
| Cash dividends to net income (ytd only)* | 3.9060% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5682% | 3,858 |
| Loan loss allowance to noncurrent loans | 36.2979% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 3.9730% | 1,394 |
| Noncurrent loans to loans | 4.3205% | 1,382 |
| Net loans and leases to total assets | 79.6812% | 439 |
| Net loans and leases to deposits | 97.6145% | 455 |
| Net loans and leases to core deposits | 104.1160% | 763 |
| Total domestic deposits to total assets | 81.6284% | 5,415 |
| Equity capital to assets | 10.6396% | 3,337 |
| Core capital (leverage) ratio | 10.1177% | 3,217 |
| Tier 1 risk-based capital ratio | 12.2399% | 5,800 |
| Total risk-based capital ratio | 13.4971% | 5,767 |
| Memoranda: | ||
| Average total assets | $1,456,557,500 | 459 |
| Average earning assets | $1,304,739,500 | 464 |
| Average equity | $155,258,000 | 469 |
| Average total loans | $1,208,923,000 | 364 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0603% | 2,606 |
| Cost of funding earning assets | 0.8116% | 4,780 |
| Net interest margin | 4.2487% | 1,888 |
| Noninterest income to average assets | 1.2485% | 835 |
| Noninterest expense to average assets | 3.7634% | 1,419 |
| Loan and lease loss provision to assets | 0.5513% | 1,892 |
| Net operating income to assets | 0.5042% | 4,409 |
| Return on assets (ROA) | 0.5255% | 4,526 |
| Pretax return on assets | 0.7636% | 4,105 |
| Return on Equity (ROE) | 5.1954% | 4,293 |
| Retained earnings to average equity (ytd only) | 4.9465% | 2,682 |
| Net charge-offs to loans | 0.4644% | 3,130 |
| Credit loss provision to net charge-offs | 143.5489% | 2,021 |
| Earnings coverage of net charge-offs (x) | 3.3433% | 3,551 |
| Efficiency ratio | 74.2535% | 3,181 |
| Assets per employee ($millions) | 5.0574% | 2,120 |
| Cash dividends to net income (ytd only)* | 4.7908% | 3,985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 3,932 |
| Loan loss allowance to noncurrent loans | 36.4744% | 5,811 |
| Noncurrent assets plus other real estate owned to assets | 3.7712% | 1,538 |
| Noncurrent loans to loans | 4.1689% | 1,473 |
| Net loans and leases to total assets | 83.7960% | 216 |
| Net loans and leases to deposits | 103.0102% | 338 |
| Net loans and leases to core deposits | 110.2609% | 613 |
| Total domestic deposits to total assets | 81.3472% | 5,349 |
| Equity capital to assets | 10.6793% | 3,328 |
| Core capital (leverage) ratio | 9.8778% | 3,485 |
| Tier 1 risk-based capital ratio | 11.8935% | 5,904 |
| Total risk-based capital ratio | 13.1491% | 5,880 |
| Memoranda: | ||
| Average total assets | $1,505,427,800 | 443 |
| Average earning assets | $1,346,088,400 | 443 |
| Average equity | $152,268,600 | 461 |
| Average total loans | $1,245,108,000 | 347 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 2,752 |
| Cost of funding earning assets | 0.8422% | 4,829 |
| Net interest margin | 4.2286% | 1,996 |
| Noninterest income to average assets | 1.2422% | 841 |
| Noninterest expense to average assets | 3.7467% | 1,404 |
| Loan and lease loss provision to assets | 0.3681% | 2,652 |
| Net operating income to assets | 0.6237% | 3,999 |
| Return on assets (ROA) | 0.6513% | 4,038 |
| Pretax return on assets | 0.9484% | 3,592 |
| Return on Equity (ROE) | 6.5254% | 3,755 |
| Retained earnings to average equity (ytd only) | 6.2760% | 2,385 |
| Net charge-offs to loans | 0.1848% | 4,322 |
| Credit loss provision to net charge-offs | 242.4942% | 1,181 |
| Earnings coverage of net charge-offs (x) | 8.4093% | 2,185 |
| Efficiency ratio | 74.2930% | 3,123 |
| Assets per employee ($millions) | 5.3393% | 1,762 |
| Cash dividends to net income (ytd only)* | 3.8213% | 3,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4945% | 4,127 |
| Loan loss allowance to noncurrent loans | 35.8293% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 3.8013% | 1,633 |
| Noncurrent loans to loans | 4.1712% | 1,575 |
| Net loans and leases to total assets | 82.8877% | 299 |
| Net loans and leases to deposits | 102.0587% | 382 |
| Net loans and leases to core deposits | 109.4435% | 703 |
| Total domestic deposits to total assets | 81.2157% | 5,367 |
| Equity capital to assets | 10.4997% | 3,705 |
| Core capital (leverage) ratio | 9.6412% | 3,929 |
| Tier 1 risk-based capital ratio | 11.8006% | 6,040 |
| Total risk-based capital ratio | 13.0561% | 6,021 |
| Memoranda: | ||
| Average total assets | $1,521,444,000 | 436 |
| Average earning assets | $1,360,349,750 | 443 |
| Average equity | $151,854,000 | 469 |
| Average total loans | $1,249,771,750 | 347 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0785% | 2,781 |
| Cost of funding earning assets | 0.8698% | 4,906 |
| Net interest margin | 4.2086% | 2,004 |
| Noninterest income to average assets | 1.1226% | 1,025 |
| Noninterest expense to average assets | 3.7008% | 1,524 |
| Loan and lease loss provision to assets | 0.2865% | 3,090 |
| Net operating income to assets | 0.6184% | 3,968 |
| Return on assets (ROA) | 0.6584% | 3,877 |
| Pretax return on assets | 0.9527% | 3,419 |
| Return on Equity (ROE) | 6.7083% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.4575% | 2,165 |
| Net charge-offs to loans | 0.2141% | 3,850 |
| Credit loss provision to net charge-offs | 164.1791% | 1,840 |
| Earnings coverage of net charge-offs (x) | 6.7687% | 2,336 |
| Efficiency ratio | 75.4115% | 3,117 |
| Assets per employee ($millions) | 5.2981% | 1,761 |
| Cash dividends to net income (ytd only)* | 3.7389% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3630% | 4,759 |
| Loan loss allowance to noncurrent loans | 39.7450% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 3.3077% | 2,015 |
| Noncurrent loans to loans | 3.4293% | 2,066 |
| Net loans and leases to total assets | 81.1507% | 438 |
| Net loans and leases to deposits | 100.4470% | 475 |
| Net loans and leases to core deposits | 107.5820% | 834 |
| Total domestic deposits to total assets | 80.7895% | 5,599 |
| Equity capital to assets | 10.1326% | 3,974 |
| Core capital (leverage) ratio | 9.3210% | 4,221 |
| Tier 1 risk-based capital ratio | 11.2621% | 6,342 |
| Total risk-based capital ratio | 12.5147% | 6,341 |
| Memoranda: | ||
| Average total assets | $1,535,595,000 | 441 |
| Average earning assets | $1,371,747,670 | 447 |
| Average equity | $150,708,670 | 472 |
| Average total loans | $1,251,529,000 | 348 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0993% | 2,655 |
| Cost of funding earning assets | 0.9066% | 4,873 |
| Net interest margin | 4.1927% | 1,911 |
| Noninterest income to average assets | 1.2452% | 818 |
| Noninterest expense to average assets | 3.6122% | 1,745 |
| Loan and lease loss provision to assets | 0.4140% | 2,122 |
| Net operating income to assets | 0.6780% | 3,620 |
| Return on assets (ROA) | 0.6780% | 3,686 |
| Pretax return on assets | 0.9756% | 3,218 |
| Return on Equity (ROE) | 7.0196% | 3,370 |
| Retained earnings to average equity (ytd only) | 6.7704% | 2,249 |
| Net charge-offs to loans | 0.4399% | 2,378 |
| Credit loss provision to net charge-offs | 116.0261% | 2,329 |
| Earnings coverage of net charge-offs (x) | 3.8941% | 2,609 |
| Efficiency ratio | 71.8454% | 3,901 |
| Assets per employee ($millions) | 5.2514% | 1,821 |
| Cash dividends to net income (ytd only)* | 3.5496% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 4,999 |
| Loan loss allowance to noncurrent loans | 36.8521% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 3.4745% | 1,964 |
| Noncurrent loans to loans | 3.6036% | 2,060 |
| Net loans and leases to total assets | 79.2325% | 597 |
| Net loans and leases to deposits | 96.6620% | 647 |
| Net loans and leases to core deposits | 103.5923% | 1,087 |
| Total domestic deposits to total assets | 81.9686% | 5,329 |
| Equity capital to assets | 9.8276% | 3,996 |
| Core capital (leverage) ratio | 9.0597% | 4,510 |
| Tier 1 risk-based capital ratio | 11.1446% | 6,403 |
| Total risk-based capital ratio | 12.3960% | 6,368 |
| Memoranda: | ||
| Average total assets | $1,545,771,000 | 440 |
| Average earning assets | $1,384,968,500 | 446 |
| Average equity | $149,296,000 | 474 |
| Average total loans | $1,253,983,000 | 351 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 3,869 |
| Cost of funding earning assets | 1.2540% | 4,190 |
| Net interest margin | 3.8933% | 3,524 |
| Noninterest income to average assets | 1.1242% | 1,172 |
| Noninterest expense to average assets | 3.9175% | 1,288 |
| Loan and lease loss provision to assets | 0.6152% | 2,675 |
| Net operating income to assets | 0.0740% | 5,651 |
| Return on assets (ROA) | 0.0700% | 5,796 |
| Pretax return on assets | 0.0616% | 5,778 |
| Return on Equity (ROE) | 0.7516% | 5,766 |
| Retained earnings to average equity (ytd only) | 0.4930% | 5,336 |
| Net charge-offs to loans | 0.5905% | 3,261 |
| Credit loss provision to net charge-offs | 132.1675% | 2,977 |
| Earnings coverage of net charge-offs (x) | 1.4625% | 4,658 |
| Efficiency ratio | 84.8449% | 1,816 |
| Assets per employee ($millions) | 5.2462% | 1,809 |
| Cash dividends to net income (ytd only)* | 34.4144% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 5,190 |
| Loan loss allowance to noncurrent loans | 38.4383% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 3.3263% | 2,128 |
| Noncurrent loans to loans | 3.2872% | 2,304 |
| Net loans and leases to total assets | 80.8997% | 554 |
| Net loans and leases to deposits | 98.1266% | 708 |
| Net loans and leases to core deposits | 104.5697% | 1,278 |
| Total domestic deposits to total assets | 82.4442% | 5,041 |
| Equity capital to assets | 9.4918% | 4,410 |
| Core capital (leverage) ratio | 8.4948% | 5,378 |
| Tier 1 risk-based capital ratio | 10.5204% | 6,685 |
| Total risk-based capital ratio | 11.7553% | 6,674 |
| Memoranda: | ||
| Average total assets | $1,584,792,200 | 435 |
| Average earning assets | $1,414,133,400 | 437 |
| Average equity | $147,678,400 | 464 |
| Average total loans | $1,249,356,200 | 364 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 4,149 |
| Cost of funding earning assets | 1.3091% | 4,157 |
| Net interest margin | 3.8255% | 3,862 |
| Noninterest income to average assets | 1.1246% | 1,108 |
| Noninterest expense to average assets | 3.7561% | 1,464 |
| Loan and lease loss provision to assets | 0.6409% | 2,385 |
| Net operating income to assets | 0.1073% | 5,755 |
| Return on assets (ROA) | 0.1026% | 5,917 |
| Pretax return on assets | 0.1298% | 5,866 |
| Return on Equity (ROE) | 1.1064% | 5,868 |
| Retained earnings to average equity (ytd only) | 0.8463% | 5,466 |
| Net charge-offs to loans | 0.7527% | 2,543 |
| Credit loss provision to net charge-offs | 109.0520% | 3,900 |
| Earnings coverage of net charge-offs (x) | 1.3215% | 4,754 |
| Efficiency ratio | 82.5281% | 2,006 |
| Assets per employee ($millions) | 5.4000% | 1,720 |
| Cash dividends to net income (ytd only)* | 23.5102% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,683 |
| Loan loss allowance to noncurrent loans | 33.0456% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 3.6666% | 1,944 |
| Noncurrent loans to loans | 3.4991% | 2,265 |
| Net loans and leases to total assets | 75.6959% | 1,463 |
| Net loans and leases to deposits | 91.0650% | 1,568 |
| Net loans and leases to core deposits | 96.7118% | 2,176 |
| Total domestic deposits to total assets | 83.1229% | 4,536 |
| Equity capital to assets | 9.1317% | 5,407 |
| Core capital (leverage) ratio | 8.6969% | 5,193 |
| Tier 1 risk-based capital ratio | 10.7628% | 6,576 |
| Total risk-based capital ratio | 11.8734% | 6,679 |
| Memoranda: | ||
| Average total assets | $1,591,459,750 | 428 |
| Average earning assets | $1,417,804,750 | 432 |
| Average equity | $147,624,500 | 460 |
| Average total loans | $1,242,533,500 | 365 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 4,248 |
| Cost of funding earning assets | 1.3647% | 4,088 |
| Net interest margin | 3.7754% | 4,018 |
| Noninterest income to average assets | 1.1510% | 972 |
| Noninterest expense to average assets | 3.7547% | 1,442 |
| Loan and lease loss provision to assets | 0.7911% | 1,820 |
| Net operating income to assets | -0.0315% | 6,119 |
| Return on assets (ROA) | -0.0351% | 6,217 |
| Pretax return on assets | -0.0359% | 6,184 |
| Return on Equity (ROE) | -0.3760% | 6,231 |
| Retained earnings to average equity (ytd only) | -0.6311% | 5,885 |
| Net charge-offs to loans | 0.8370% | 2,165 |
| Credit loss provision to net charge-offs | 120.2617% | 3,374 |
| Earnings coverage of net charge-offs (x) | 1.1536% | 4,641 |
| Efficiency ratio | 82.8772% | 2,057 |
| Assets per employee ($millions) | 5.1702% | 1,965 |
| Cash dividends to net income (ytd only)* | -67.8700% | 7,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 5,453 |
| Loan loss allowance to noncurrent loans | 28.9923% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 3.7786% | 1,846 |
| Noncurrent loans to loans | 4.1440% | 1,805 |
| Net loans and leases to total assets | 76.2373% | 1,442 |
| Net loans and leases to deposits | 92.0295% | 1,524 |
| Net loans and leases to core deposits | 98.0036% | 2,228 |
| Total domestic deposits to total assets | 82.8401% | 4,636 |
| Equity capital to assets | 9.2236% | 5,112 |
| Core capital (leverage) ratio | 8.7363% | 5,025 |
| Tier 1 risk-based capital ratio | 10.7375% | 6,492 |
| Total risk-based capital ratio | 11.8852% | 6,580 |
| Memoranda: | ||
| Average total assets | $1,580,150,330 | 428 |
| Average earning assets | $1,407,338,670 | 438 |
| Average equity | $147,357,330 | 460 |
| Average total loans | $1,241,796,330 | 365 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1579% | 4,255 |
| Cost of funding earning assets | 1.3909% | 4,237 |
| Net interest margin | 3.7670% | 3,929 |
| Noninterest income to average assets | 1.3325% | 680 |
| Noninterest expense to average assets | 3.7418% | 1,428 |
| Loan and lease loss provision to assets | 0.5218% | 2,415 |
| Net operating income to assets | 0.3126% | 5,243 |
| Return on assets (ROA) | 0.3103% | 5,384 |
| Pretax return on assets | 0.4218% | 5,219 |
| Return on Equity (ROE) | 3.3089% | 5,201 |
| Retained earnings to average equity (ytd only) | 3.0565% | 4,302 |
| Net charge-offs to loans | 0.7687% | 1,972 |
| Credit loss provision to net charge-offs | 85.5950% | 3,759 |
| Earnings coverage of net charge-offs (x) | 1.5528% | 3,800 |
| Efficiency ratio | 79.5049% | 2,647 |
| Assets per employee ($millions) | 5.0789% | 2,131 |
| Cash dividends to net income (ytd only)* | 7.6292% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0857% | 6,074 |
| Loan loss allowance to noncurrent loans | 26.6147% | 6,625 |
| Noncurrent assets plus other real estate owned to assets | 4.0438% | 1,694 |
| Noncurrent loans to loans | 4.0792% | 1,911 |
| Net loans and leases to total assets | 77.1206% | 1,307 |
| Net loans and leases to deposits | 94.3835% | 1,306 |
| Net loans and leases to core deposits | 101.0132% | 2,030 |
| Total domestic deposits to total assets | 81.7098% | 5,192 |
| Equity capital to assets | 9.3776% | 4,711 |
| Core capital (leverage) ratio | 9.1197% | 4,335 |
| Tier 1 risk-based capital ratio | 10.8371% | 6,306 |
| Total risk-based capital ratio | 11.8585% | 6,526 |
| Memoranda: | ||
| Average total assets | $1,571,428,000 | 445 |
| Average earning assets | $1,399,948,000 | 453 |
| Average equity | $147,358,500 | 468 |
| Average total loans | $1,246,307,500 | 379 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6126% | 3,537 |
| Cost of funding earning assets | 1.7217% | 4,402 |
| Net interest margin | 3.8910% | 3,303 |
| Noninterest income to average assets | 1.0754% | 1,333 |
| Noninterest expense to average assets | 3.7273% | 1,845 |
| Loan and lease loss provision to assets | 0.5462% | 3,637 |
| Net operating income to assets | 0.3133% | 4,484 |
| Return on assets (ROA) | 0.1477% | 5,123 |
| Pretax return on assets | 0.1424% | 5,130 |
| Return on Equity (ROE) | 1.6075% | 5,055 |
| Retained earnings to average equity (ytd only) | 1.3062% | 4,131 |
| Net charge-offs to loans | 0.5936% | 3,439 |
| Credit loss provision to net charge-offs | 109.8485% | 5,011 |
| Earnings coverage of net charge-offs (x) | 1.7179% | 4,449 |
| Efficiency ratio | 81.0795% | 2,738 |
| Assets per employee ($millions) | 4.9468% | 2,285 |
| Cash dividends to net income (ytd only)* | 18.7420% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,923 |
| Loan loss allowance to noncurrent loans | 23.3685% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 4.5583% | 1,417 |
| Noncurrent loans to loans | 4.6832% | 1,503 |
| Net loans and leases to total assets | 79.7937% | 1,033 |
| Net loans and leases to deposits | 99.1002% | 988 |
| Net loans and leases to core deposits | 121.4409% | 1,840 |
| Total domestic deposits to total assets | 80.5182% | 5,505 |
| Equity capital to assets | 9.3772% | 4,593 |
| Core capital (leverage) ratio | 9.0051% | 4,412 |
| Tier 1 risk-based capital ratio | 10.6532% | 6,249 |
| Total risk-based capital ratio | 11.6899% | 6,427 |
| Memoranda: | ||
| Average total assets | $1,592,911,400 | 432 |
| Average earning assets | $1,435,348,600 | 437 |
| Average equity | $146,374,800 | 461 |
| Average total loans | $1,334,177,400 | 369 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7315% | 3,180 |
| Cost of funding earning assets | 1.7966% | 4,399 |
| Net interest margin | 3.9349% | 3,099 |
| Noninterest income to average assets | 1.1278% | 1,236 |
| Noninterest expense to average assets | 3.6175% | 1,993 |
| Loan and lease loss provision to assets | 0.4995% | 3,400 |
| Net operating income to assets | 0.4518% | 4,185 |
| Return on assets (ROA) | 0.3280% | 4,789 |
| Pretax return on assets | 0.4096% | 4,778 |
| Return on Equity (ROE) | 3.5873% | 4,543 |
| Retained earnings to average equity (ytd only) | 3.2723% | 3,483 |
| Net charge-offs to loans | 0.6119% | 2,839 |
| Credit loss provision to net charge-offs | 96.6028% | 5,282 |
| Earnings coverage of net charge-offs (x) | 2.0575% | 4,278 |
| Efficiency ratio | 77.0099% | 3,322 |
| Assets per employee ($millions) | 4.9971% | 2,147 |
| Cash dividends to net income (ytd only)* | 8.7817% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 6,322 |
| Loan loss allowance to noncurrent loans | 33.3507% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 3.2861% | 2,057 |
| Noncurrent loans to loans | 2.9870% | 2,528 |
| Net loans and leases to total assets | 81.3822% | 921 |
| Net loans and leases to deposits | 101.7506% | 943 |
| Net loans and leases to core deposits | 124.4734% | 1,859 |
| Total domestic deposits to total assets | 79.9820% | 5,440 |
| Equity capital to assets | 9.5724% | 4,650 |
| Core capital (leverage) ratio | 8.9416% | 4,745 |
| Tier 1 risk-based capital ratio | 10.6271% | 6,319 |
| Total risk-based capital ratio | 11.5795% | 6,592 |
| Memoranda: | ||
| Average total assets | $1,601,578,250 | 444 |
| Average earning assets | $1,446,365,000 | 448 |
| Average equity | $146,438,750 | 468 |
| Average total loans | $1,353,437,000 | 380 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 3,075 |
| Cost of funding earning assets | 1.8578% | 4,477 |
| Net interest margin | 3.9367% | 2,944 |
| Noninterest income to average assets | 1.1576% | 1,163 |
| Noninterest expense to average assets | 3.6069% | 2,055 |
| Loan and lease loss provision to assets | 0.4539% | 3,263 |
| Net operating income to assets | 0.4962% | 4,103 |
| Return on assets (ROA) | 0.3404% | 4,833 |
| Pretax return on assets | 0.4545% | 4,773 |
| Return on Equity (ROE) | 3.7800% | 4,586 |
| Retained earnings to average equity (ytd only) | 3.4446% | 3,401 |
| Net charge-offs to loans | 0.4744% | 2,935 |
| Credit loss provision to net charge-offs | 112.2436% | 4,123 |
| Earnings coverage of net charge-offs (x) | 2.7600% | 3,704 |
| Efficiency ratio | 76.1191% | 3,668 |
| Assets per employee ($millions) | 5.4912% | 1,587 |
| Cash dividends to net income (ytd only)* | 8.8727% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 6,411 |
| Loan loss allowance to noncurrent loans | 30.5469% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 2.8931% | 2,212 |
| Noncurrent loans to loans | 3.1961% | 2,231 |
| Net loans and leases to total assets | 84.0478% | 630 |
| Net loans and leases to deposits | 104.9544% | 833 |
| Net loans and leases to core deposits | 127.3334% | 1,759 |
| Total domestic deposits to total assets | 80.0804% | 5,443 |
| Equity capital to assets | 9.1579% | 5,083 |
| Core capital (leverage) ratio | 8.6516% | 5,178 |
| Tier 1 risk-based capital ratio | 9.9525% | 6,984 |
| Total risk-based capital ratio | 10.8941% | 7,227 |
| Memoranda: | ||
| Average total assets | $1,615,737,670 | 451 |
| Average earning assets | $1,463,366,330 | 454 |
| Average equity | $145,504,000 | 480 |
| Average total loans | $1,377,383,670 | 384 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8020% | 3,294 |
| Cost of funding earning assets | 1.9461% | 4,393 |
| Net interest margin | 3.8559% | 3,227 |
| Noninterest income to average assets | 1.1626% | 1,083 |
| Noninterest expense to average assets | 3.4046% | 2,344 |
| Loan and lease loss provision to assets | 0.3959% | 2,953 |
| Net operating income to assets | 0.6026% | 3,998 |
| Return on assets (ROA) | 0.6038% | 4,187 |
| Pretax return on assets | 0.8632% | 3,850 |
| Return on Equity (ROE) | 6.7621% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.4074% | 2,458 |
| Net charge-offs to loans | 0.6810% | 1,821 |
| Credit loss provision to net charge-offs | 68.0561% | 4,387 |
| Earnings coverage of net charge-offs (x) | 2.1612% | 3,657 |
| Efficiency ratio | 72.7799% | 4,044 |
| Assets per employee ($millions) | 5.3016% | 1,742 |
| Cash dividends to net income (ytd only)* | 5.2459% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8843% | 6,813 |
| Loan loss allowance to noncurrent loans | 30.4943% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 2.5086% | 2,289 |
| Noncurrent loans to loans | 2.9000% | 2,255 |
| Net loans and leases to total assets | 82.3223% | 964 |
| Net loans and leases to deposits | 103.4326% | 1,054 |
| Net loans and leases to core deposits | 125.3876% | 1,964 |
| Total domestic deposits to total assets | 79.5903% | 5,510 |
| Equity capital to assets | 8.7344% | 5,714 |
| Core capital (leverage) ratio | 8.4315% | 5,659 |
| Tier 1 risk-based capital ratio | 9.7125% | 7,242 |
| Total risk-based capital ratio | 10.5682% | 7,547 |
| Memoranda: | ||
| Average total assets | $1,616,405,000 | 451 |
| Average earning assets | $1,466,935,000 | 453 |
| Average equity | $144,333,500 | 486 |
| Average total loans | $1,380,951,000 | 384 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5898% | 2,539 |
| Cost of funding earning assets | 2.4093% | 4,682 |
| Net interest margin | 4.1805% | 2,389 |
| Noninterest income to average assets | 0.8519% | 2,216 |
| Noninterest expense to average assets | 3.6009% | 2,139 |
| Loan and lease loss provision to assets | 0.2631% | 4,296 |
| Net operating income to assets | 0.5829% | 4,380 |
| Return on assets (ROA) | 0.3313% | 5,261 |
| Pretax return on assets | 0.4417% | 5,151 |
| Return on Equity (ROE) | 3.6387% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.6387% | 2,885 |
| Net charge-offs to loans | 0.1586% | 4,606 |
| Credit loss provision to net charge-offs | 191.6627% | 2,561 |
| Earnings coverage of net charge-offs (x) | 7.5793% | 3,074 |
| Efficiency ratio | 77.3324% | 3,029 |
| Assets per employee ($millions) | 5.0422% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9409% | 6,443 |
| Loan loss allowance to noncurrent loans | 47.5873% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 1.8080% | 2,720 |
| Noncurrent loans to loans | 1.9773% | 2,793 |
| Net loans and leases to total assets | 87.1289% | 462 |
| Net loans and leases to deposits | 113.5099% | 636 |
| Net loans and leases to core deposits | 136.3942% | 1,469 |
| Total domestic deposits to total assets | 76.7588% | 6,049 |
| Equity capital to assets | 9.1362% | 5,171 |
| Core capital (leverage) ratio | 8.9020% | 4,881 |
| Tier 1 risk-based capital ratio | 9.8809% | 6,873 |
| Total risk-based capital ratio | 10.8060% | 7,156 |
| Memoranda: | ||
| Average total assets | $1,520,557,200 | 461 |
| Average earning assets | $1,378,273,400 | 464 |
| Average equity | $138,426,800 | 509 |
| Average total loans | $1,315,967,800 | 395 |