Home > Frandsen Bank & Trust > Performance and Condition Ratios
Frandsen Bank & Trust, 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 | 4.7726% | 2,532 |
| Cost of funding earning assets | 1.1303% | 2,986 |
| Net interest margin | 3.6423% | 1,877 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.4793% | 2,352 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 1.2847% | 1,461 |
| Return on assets (ROA) | 1.2355% | 1,543 |
| Pretax return on assets | 1.3614% | 1,717 |
| Return on Equity (ROE) | 15.1000% | 1,272 |
| Retained earnings to average equity (ytd only) | 5.9740% | 2,254 |
| Net charge-offs to loans | -0.0088% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.2370% | 2,947 |
| Assets per employee ($millions) | 7.5803% | 1,670 |
| Cash dividends to net income (ytd only)* | 60.4431% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 2,471 |
| Loan loss allowance to noncurrent loans | 746.3441% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1197% | 2,738 |
| Noncurrent loans to loans | 0.1562% | 2,738 |
| Net loans and leases to total assets | 68.2300% | 2,010 |
| Net loans and leases to deposits | 81.9878% | 1,948 |
| Net loans and leases to core deposits | 84.8414% | 2,391 |
| Total domestic deposits to total assets | 83.2200% | 2,836 |
| Equity capital to assets | 8.4385% | 3,095 |
| Core capital (leverage) ratio | 7.3633% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9032% | 2,829 |
| Memoranda: | ||
| Average total assets | $3,287,685,000 | 364 |
| Average earning assets | $2,966,504,600 | 364 |
| Average equity | $268,965,400 | 429 |
| Average total loans | $2,238,593,000 | 373 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 2,535 |
| Cost of funding earning assets | 0.9752% | 3,107 |
| Net interest margin | 3.6953% | 1,784 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.4861% | 2,276 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.3306% | 1,470 |
| Return on assets (ROA) | 1.3336% | 1,448 |
| Pretax return on assets | 1.4374% | 1,697 |
| Return on Equity (ROE) | 16.4400% | 1,178 |
| Retained earnings to average equity (ytd only) | 6.0368% | 2,624 |
| Net charge-offs to loans | 0.0057% | 2,248 |
| Credit loss provision to net charge-offs | 2,393.6170% | 202 |
| Earnings coverage of net charge-offs (x) | 400.8723% | 365 |
| Efficiency ratio | 60.8692% | 2,864 |
| Assets per employee ($millions) | 7.4346% | 1,678 |
| Cash dividends to net income (ytd only)* | 63.2759% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 2,656 |
| Loan loss allowance to noncurrent loans | 756.1686% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 2,867 |
| Noncurrent loans to loans | 0.1512% | 2,796 |
| Net loans and leases to total assets | 68.8900% | 1,957 |
| Net loans and leases to deposits | 83.5449% | 1,776 |
| Net loans and leases to core deposits | 86.1295% | 2,182 |
| Total domestic deposits to total assets | 82.4600% | 3,132 |
| Equity capital to assets | 7.7873% | 3,187 |
| Core capital (leverage) ratio | 7.4559% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6622% | 2,872 |
| Memoranda: | ||
| Average total assets | $3,247,347,000 | 373 |
| Average earning assets | $2,927,345,750 | 372 |
| Average equity | $263,445,000 | 435 |
| Average total loans | $2,202,991,250 | 376 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 2,533 |
| Cost of funding earning assets | 0.7792% | 3,271 |
| Net interest margin | 3.7681% | 1,686 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.4543% | 2,336 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.4029% | 1,322 |
| Return on assets (ROA) | 1.4064% | 1,294 |
| Pretax return on assets | 1.5091% | 1,582 |
| Return on Equity (ROE) | 17.1000% | 1,086 |
| Retained earnings to average equity (ytd only) | 5.0359% | 2,928 |
| Net charge-offs to loans | 0.0077% | 1,938 |
| Credit loss provision to net charge-offs | 1,807.2289% | 283 |
| Earnings coverage of net charge-offs (x) | 315.3855% | 433 |
| Efficiency ratio | 59.3262% | 3,039 |
| Assets per employee ($millions) | 7.3246% | 1,710 |
| Cash dividends to net income (ytd only)* | 70.5463% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 2,721 |
| Loan loss allowance to noncurrent loans | 703.2206% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 2,720 |
| Noncurrent loans to loans | 0.1632% | 2,660 |
| Net loans and leases to total assets | 67.9000% | 1,966 |
| Net loans and leases to deposits | 83.2933% | 1,739 |
| Net loans and leases to core deposits | 85.2375% | 2,132 |
| Total domestic deposits to total assets | 81.5200% | 3,331 |
| Equity capital to assets | 8.0246% | 3,198 |
| Core capital (leverage) ratio | 7.3328% | 4,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6579% | 2,890 |
| Memoranda: | ||
| Average total assets | $3,212,129,333 | 365 |
| Average earning assets | $2,893,432,000 | 362 |
| Average equity | $264,224,333 | 424 |
| Average total loans | $2,158,449,667 | 368 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 2,613 |
| Cost of funding earning assets | 0.5228% | 3,621 |
| Net interest margin | 3.8562% | 1,565 |
| Noninterest income to average assets | 0.7100% | 1,070 |
| Noninterest expense to average assets | 2.4008% | 2,527 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.5644% | 1,049 |
| Return on assets (ROA) | 1.5688% | 1,038 |
| Pretax return on assets | 1.6291% | 1,401 |
| Return on Equity (ROE) | 18.8300% | 910 |
| Retained earnings to average equity (ytd only) | 2.7703% | 3,557 |
| Net charge-offs to loans | 0.0125% | 1,484 |
| Credit loss provision to net charge-offs | 1,136.3636% | 333 |
| Earnings coverage of net charge-offs (x) | 214.0152% | 488 |
| Efficiency ratio | 56.6180% | 3,340 |
| Assets per employee ($millions) | 7.0597% | 1,935 |
| Cash dividends to net income (ytd only)* | 85.2891% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,624 |
| Loan loss allowance to noncurrent loans | 739.1979% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 2,765 |
| Noncurrent loans to loans | 0.1606% | 2,684 |
| Net loans and leases to total assets | 66.1400% | 2,043 |
| Net loans and leases to deposits | 77.9728% | 1,975 |
| Net loans and leases to core deposits | 80.8533% | 2,190 |
| Total domestic deposits to total assets | 84.8300% | 2,896 |
| Equity capital to assets | 8.3719% | 2,989 |
| Core capital (leverage) ratio | 7.4068% | 4,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9000% | 2,957 |
| Memoranda: | ||
| Average total assets | $3,170,158,500 | 384 |
| Average earning assets | $2,854,545,500 | 380 |
| Average equity | $264,088,500 | 436 |
| Average total loans | $2,105,631,500 | 388 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 2,120 |
| Cost of funding earning assets | 0.0993% | 4,394 |
| Net interest margin | 3.7543% | 1,257 |
| Noninterest income to average assets | 0.8400% | 914 |
| Noninterest expense to average assets | 2.5191% | 2,055 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5111% | 859 |
| Return on assets (ROA) | 1.4843% | 884 |
| Pretax return on assets | 1.6236% | 1,102 |
| Return on Equity (ROE) | 16.6400% | 931 |
| Retained earnings to average equity (ytd only) | 2.4061% | 3,886 |
| Net charge-offs to loans | -0.0252% | 4,145 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.8840% | 3,210 |
| Assets per employee ($millions) | 7.1089% | 1,888 |
| Cash dividends to net income (ytd only)* | 85.5438% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,501 |
| Loan loss allowance to noncurrent loans | 777.4367% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 2,822 |
| Noncurrent loans to loans | 0.1516% | 2,738 |
| Net loans and leases to total assets | 65.1300% | 2,126 |
| Net loans and leases to deposits | 73.9232% | 2,265 |
| Net loans and leases to core deposits | 75.6417% | 2,450 |
| Total domestic deposits to total assets | 88.1000% | 2,040 |
| Equity capital to assets | 8.2888% | 2,865 |
| Core capital (leverage) ratio | 7.3107% | 4,612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9585% | 2,976 |
| Memoranda: | ||
| Average total assets | $3,105,624,200 | 382 |
| Average earning assets | $2,800,365,600 | 383 |
| Average equity | $276,959,400 | 406 |
| Average total loans | $1,921,850,000 | 392 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7491% | 1,894 |
| Cost of funding earning assets | 0.0645% | 4,505 |
| Net interest margin | 3.6846% | 1,176 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.4919% | 2,032 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.5585% | 725 |
| Return on assets (ROA) | 1.5568% | 708 |
| Pretax return on assets | 1.7010% | 905 |
| Return on Equity (ROE) | 17.8600% | 661 |
| Retained earnings to average equity (ytd only) | -1.1177% | 4,433 |
| Net charge-offs to loans | -0.0367% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.3781% | 3,340 |
| Assets per employee ($millions) | 6.8219% | 2,078 |
| Cash dividends to net income (ytd only)* | 106.2565% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 2,322 |
| Loan loss allowance to noncurrent loans | 638.0746% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 2,716 |
| Noncurrent loans to loans | 0.1943% | 2,626 |
| Net loans and leases to total assets | 63.4700% | 2,144 |
| Net loans and leases to deposits | 69.5210% | 2,408 |
| Net loans and leases to core deposits | 70.1621% | 2,629 |
| Total domestic deposits to total assets | 91.3000% | 1,124 |
| Equity capital to assets | 7.2335% | 3,382 |
| Core capital (leverage) ratio | 6.7826% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3489% | 3,104 |
| Memoranda: | ||
| Average total assets | $2,880,059,000 | 405 |
| Average earning assets | $2,600,779,250 | 404 |
| Average equity | $250,989,000 | 443 |
| Average total loans | $1,769,529,000 | 413 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6341% | 1,738 |
| Cost of funding earning assets | 0.0472% | 4,611 |
| Net interest margin | 3.5869% | 1,088 |
| Noninterest income to average assets | 1.0102% | 647 |
| Noninterest expense to average assets | 2.5014% | 1,923 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.5972% | 550 |
| Return on assets (ROA) | 1.5943% | 542 |
| Pretax return on assets | 1.7441% | 684 |
| Return on Equity (ROE) | 17.9042% | 482 |
| Retained earnings to average equity (ytd only) | -8.9230% | 4,642 |
| Net charge-offs to loans | -0.0058% | 3,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3410% | 3,513 |
| Assets per employee ($millions) | 6.5812% | 2,255 |
| Cash dividends to net income (ytd only)* | 149.8377% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3542% | 1,943 |
| Loan loss allowance to noncurrent loans | 665.9864% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 2,806 |
| Noncurrent loans to loans | 0.2033% | 2,699 |
| Net loans and leases to total assets | 60.7888% | 2,237 |
| Net loans and leases to deposits | 66.6201% | 2,498 |
| Net loans and leases to core deposits | 67.0135% | 2,736 |
| Total domestic deposits to total assets | 91.2469% | 1,133 |
| Equity capital to assets | 7.3130% | 3,594 |
| Core capital (leverage) ratio | 6.7383% | 4,707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4668% | 3,070 |
| Memoranda: | ||
| Average total assets | $2,705,320,000 | 424 |
| Average earning assets | $2,442,464,667 | 431 |
| Average equity | $240,904,333 | 458 |
| Average total loans | $1,616,689,667 | 435 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6340% | 1,416 |
| Cost of funding earning assets | 0.0498% | 4,604 |
| Net interest margin | 3.5841% | 923 |
| Noninterest income to average assets | 0.8624% | 906 |
| Noninterest expense to average assets | 2.4115% | 2,121 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5980% | 512 |
| Return on assets (ROA) | 1.5954% | 513 |
| Pretax return on assets | 1.6880% | 698 |
| Return on Equity (ROE) | 16.4511% | 487 |
| Retained earnings to average equity (ytd only) | -24.9858% | 4,728 |
| Net charge-offs to loans | -0.0068% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2304% | 3,657 |
| Assets per employee ($millions) | 6.6840% | 2,236 |
| Cash dividends to net income (ytd only)* | 251.8789% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 1,857 |
| Loan loss allowance to noncurrent loans | 748.1211% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1161% | 3,000 |
| Noncurrent loans to loans | 0.1890% | 2,873 |
| Net loans and leases to total assets | 58.3629% | 2,258 |
| Net loans and leases to deposits | 64.9543% | 2,439 |
| Net loans and leases to core deposits | 65.3991% | 2,681 |
| Total domestic deposits to total assets | 89.8523% | 1,656 |
| Equity capital to assets | 8.6809% | 2,992 |
| Core capital (leverage) ratio | 6.5721% | 4,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5876% | 3,079 |
| Memoranda: | ||
| Average total assets | $2,708,835,000 | 424 |
| Average earning assets | $2,448,678,000 | 432 |
| Average equity | $262,693,000 | 437 |
| Average total loans | $1,593,647,000 | 439 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 2,116 |
| Cost of funding earning assets | 0.0880% | 4,475 |
| Net interest margin | 3.6106% | 1,439 |
| Noninterest income to average assets | 1.0781% | 885 |
| Noninterest expense to average assets | 2.6904% | 1,658 |
| Loan and lease loss provision to assets | 0.0287% | 2,482 |
| Net operating income to assets | 1.4862% | 1,046 |
| Return on assets (ROA) | 1.4928% | 1,087 |
| Pretax return on assets | 1.6138% | 1,387 |
| Return on Equity (ROE) | 13.3566% | 1,359 |
| Retained earnings to average equity (ytd only) | 2.5448% | 3,819 |
| Net charge-offs to loans | -0.0096% | 3,732 |
| Credit loss provision to net charge-offs | -500.0000% | 3,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6508% | 2,915 |
| Assets per employee ($millions) | 6.8098% | 2,060 |
| Cash dividends to net income (ytd only)* | 80.9471% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,897 |
| Loan loss allowance to noncurrent loans | 684.8217% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 3,082 |
| Noncurrent loans to loans | 0.2055% | 2,929 |
| Net loans and leases to total assets | 57.6458% | 2,409 |
| Net loans and leases to deposits | 66.1835% | 2,497 |
| Net loans and leases to core deposits | 66.9247% | 2,739 |
| Total domestic deposits to total assets | 87.1000% | 2,475 |
| Equity capital to assets | 10.6981% | 2,014 |
| Core capital (leverage) ratio | 7.1390% | 4,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2091% | 3,025 |
| Memoranda: | ||
| Average total assets | $2,609,808,000 | 423 |
| Average earning assets | $2,347,493,800 | 426 |
| Average equity | $291,691,400 | 404 |
| Average total loans | $1,565,569,200 | 454 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7245% | 2,208 |
| Cost of funding earning assets | 0.0919% | 4,563 |
| Net interest margin | 3.6326% | 1,515 |
| Noninterest income to average assets | 1.1062% | 916 |
| Noninterest expense to average assets | 2.5782% | 1,904 |
| Loan and lease loss provision to assets | 0.0271% | 2,450 |
| Net operating income to assets | 1.6347% | 946 |
| Return on assets (ROA) | 1.6424% | 977 |
| Pretax return on assets | 1.7718% | 1,231 |
| Return on Equity (ROE) | 14.5306% | 1,251 |
| Retained earnings to average equity (ytd only) | 1.0554% | 4,407 |
| Net charge-offs to loans | -0.0128% | 3,780 |
| Credit loss provision to net charge-offs | -352.3490% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4691% | 3,198 |
| Assets per employee ($millions) | 6.8037% | 2,014 |
| Cash dividends to net income (ytd only)* | 92.7369% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,820 |
| Loan loss allowance to noncurrent loans | 464.1694% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 2,913 |
| Noncurrent loans to loans | 0.3121% | 2,668 |
| Net loans and leases to total assets | 56.4422% | 2,679 |
| Net loans and leases to deposits | 65.2144% | 2,709 |
| Net loans and leases to core deposits | 66.0367% | 2,954 |
| Total domestic deposits to total assets | 86.5487% | 2,532 |
| Equity capital to assets | 11.0833% | 1,952 |
| Core capital (leverage) ratio | 7.2127% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5736% | 3,034 |
| Memoranda: | ||
| Average total assets | $2,579,582,500 | 429 |
| Average earning assets | $2,316,814,250 | 437 |
| Average equity | $291,580,500 | 407 |
| Average total loans | $1,557,809,250 | 461 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6394% | 2,499 |
| Cost of funding earning assets | 0.0956% | 4,609 |
| Net interest margin | 3.5438% | 1,736 |
| Noninterest income to average assets | 1.1576% | 853 |
| Noninterest expense to average assets | 2.5134% | 2,099 |
| Loan and lease loss provision to assets | 0.0236% | 2,498 |
| Net operating income to assets | 1.7600% | 782 |
| Return on assets (ROA) | 1.7710% | 801 |
| Pretax return on assets | 1.8106% | 1,211 |
| Return on Equity (ROE) | 15.5616% | 1,043 |
| Retained earnings to average equity (ytd only) | -3.9836% | 4,758 |
| Net charge-offs to loans | -0.0033% | 3,317 |
| Credit loss provision to net charge-offs | -1,153.8462% | 3,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4050% | 3,351 |
| Assets per employee ($millions) | 6.5206% | 2,151 |
| Cash dividends to net income (ytd only)* | 125.5988% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 1,968 |
| Loan loss allowance to noncurrent loans | 652.8026% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 3,291 |
| Noncurrent loans to loans | 0.2150% | 3,188 |
| Net loans and leases to total assets | 58.8213% | 2,567 |
| Net loans and leases to deposits | 67.8512% | 2,631 |
| Net loans and leases to core deposits | 68.8805% | 2,875 |
| Total domestic deposits to total assets | 86.6917% | 2,478 |
| Equity capital to assets | 10.9281% | 2,037 |
| Core capital (leverage) ratio | 7.1052% | 4,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8142% | 2,994 |
| Memoranda: | ||
| Average total assets | $2,545,884,333 | 431 |
| Average earning assets | $2,283,593,667 | 439 |
| Average equity | $289,738,000 | 405 |
| Average total loans | $1,565,320,333 | 463 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 2,888 |
| Cost of funding earning assets | 0.1024% | 4,633 |
| Net interest margin | 3.4082% | 2,085 |
| Noninterest income to average assets | 1.1624% | 899 |
| Noninterest expense to average assets | 2.4370% | 2,369 |
| Loan and lease loss provision to assets | 0.0119% | 2,626 |
| Net operating income to assets | 1.7619% | 844 |
| Return on assets (ROA) | 1.7619% | 896 |
| Pretax return on assets | 1.7671% | 1,364 |
| Return on Equity (ROE) | 15.1672% | 1,176 |
| Retained earnings to average equity (ytd only) | -14.4748% | 4,876 |
| Net charge-offs to loans | -0.0023% | 3,165 |
| Credit loss provision to net charge-offs | -833.3333% | 3,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2211% | 3,406 |
| Assets per employee ($millions) | 6.3368% | 2,305 |
| Cash dividends to net income (ytd only)* | 195.4348% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,021 |
| Loan loss allowance to noncurrent loans | 458.8472% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2068% | 3,118 |
| Noncurrent loans to loans | 0.3022% | 3,014 |
| Net loans and leases to total assets | 60.6049% | 2,463 |
| Net loans and leases to deposits | 69.9003% | 2,518 |
| Net loans and leases to core deposits | 71.0440% | 2,779 |
| Total domestic deposits to total assets | 86.7020% | 2,442 |
| Equity capital to assets | 11.1769% | 1,740 |
| Core capital (leverage) ratio | 7.1867% | 4,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3945% | 3,022 |
| Memoranda: | ||
| Average total assets | $2,511,450,000 | 430 |
| Average earning assets | $2,250,222,500 | 435 |
| Average equity | $291,735,000 | 401 |
| Average total loans | $1,568,016,500 | 462 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 1,474 |
| Cost of funding earning assets | 0.1834% | 4,636 |
| Net interest margin | 4.2540% | 558 |
| Noninterest income to average assets | 1.2076% | 767 |
| Noninterest expense to average assets | 2.9596% | 1,527 |
| Loan and lease loss provision to assets | 0.3487% | 994 |
| Net operating income to assets | 1.6667% | 545 |
| Return on assets (ROA) | 1.6715% | 581 |
| Pretax return on assets | 1.6721% | 900 |
| Return on Equity (ROE) | 13.1549% | 1,001 |
| Retained earnings to average equity (ytd only) | 0.3763% | 4,402 |
| Net charge-offs to loans | -0.0119% | 4,296 |
| Credit loss provision to net charge-offs | -4,371.5847% | 4,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9887% | 3,594 |
| Assets per employee ($millions) | 6.0093% | 2,329 |
| Cash dividends to net income (ytd only)* | 97.1397% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3700% | 2,105 |
| Loan loss allowance to noncurrent loans | 540.3056% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,366 |
| Noncurrent loans to loans | 0.2536% | 3,285 |
| Net loans and leases to total assets | 62.5666% | 2,532 |
| Net loans and leases to deposits | 73.3349% | 2,555 |
| Net loans and leases to core deposits | 74.5997% | 2,854 |
| Total domestic deposits to total assets | 85.3163% | 2,646 |
| Equity capital to assets | 12.0660% | 1,535 |
| Core capital (leverage) ratio | 7.6883% | 4,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9495% | 2,937 |
| Memoranda: | ||
| Average total assets | $2,294,513,400 | 427 |
| Average earning assets | $2,032,409,400 | 437 |
| Average equity | $291,541,600 | 378 |
| Average total loans | $1,542,451,000 | 436 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7647% | 934 |
| Cost of funding earning assets | 0.1573% | 4,784 |
| Net interest margin | 4.6074% | 304 |
| Noninterest income to average assets | 1.2782% | 664 |
| Noninterest expense to average assets | 3.1628% | 1,135 |
| Loan and lease loss provision to assets | 0.4411% | 742 |
| Net operating income to assets | 1.7697% | 489 |
| Return on assets (ROA) | 1.7774% | 531 |
| Pretax return on assets | 1.7785% | 818 |
| Return on Equity (ROE) | 14.6939% | 745 |
| Retained earnings to average equity (ytd only) | -1.1182% | 4,624 |
| Net charge-offs to loans | -0.0100% | 4,225 |
| Credit loss provision to net charge-offs | -6,521.7391% | 4,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5592% | 3,591 |
| Assets per employee ($millions) | 5.2537% | 2,947 |
| Cash dividends to net income (ytd only)* | 107.6099% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5101% | 1,354 |
| Loan loss allowance to noncurrent loans | 640.0723% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1781% | 3,544 |
| Noncurrent loans to loans | 0.2359% | 3,462 |
| Net loans and leases to total assets | 64.1155% | 2,759 |
| Net loans and leases to deposits | 75.0471% | 2,846 |
| Net loans and leases to core deposits | 75.5565% | 3,207 |
| Total domestic deposits to total assets | 85.4337% | 2,274 |
| Equity capital to assets | 11.4853% | 2,018 |
| Core capital (leverage) ratio | 7.6169% | 4,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0557% | 2,907 |
| Memoranda: | ||
| Average total assets | $1,813,739,750 | 514 |
| Average earning assets | $1,612,609,500 | 529 |
| Average equity | $219,396,250 | 464 |
| Average total loans | $1,225,238,000 | 530 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1034% | 684 |
| Cost of funding earning assets | 0.1703% | 4,832 |
| Net interest margin | 4.9331% | 228 |
| Noninterest income to average assets | 1.2017% | 694 |
| Noninterest expense to average assets | 3.0979% | 1,360 |
| Loan and lease loss provision to assets | 0.5119% | 683 |
| Net operating income to assets | 1.9599% | 358 |
| Return on assets (ROA) | 1.9718% | 389 |
| Pretax return on assets | 1.9735% | 576 |
| Return on Equity (ROE) | 15.9972% | 564 |
| Retained earnings to average equity (ytd only) | -5.8578% | 4,809 |
| Net charge-offs to loans | -0.0018% | 3,806 |
| Credit loss provision to net charge-offs | -40,909.0909% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3373% | 4,024 |
| Assets per employee ($millions) | 4.9512% | 3,232 |
| Cash dividends to net income (ytd only)* | 136.6180% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3722% | 1,681 |
| Loan loss allowance to noncurrent loans | 429.8414% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.2913% | 3,150 |
| Noncurrent loans to loans | 0.3192% | 3,244 |
| Net loans and leases to total assets | 67.6315% | 2,418 |
| Net loans and leases to deposits | 78.9863% | 2,543 |
| Net loans and leases to core deposits | 79.5438% | 2,982 |
| Total domestic deposits to total assets | 85.6244% | 2,152 |
| Equity capital to assets | 11.6786% | 1,844 |
| Core capital (leverage) ratio | 7.8946% | 4,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8944% | 2,992 |
| Memoranda: | ||
| Average total assets | $1,758,106,333 | 521 |
| Average earning assets | $1,557,310,000 | 533 |
| Average equity | $216,701,000 | 464 |
| Average total loans | $1,203,861,333 | 530 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5689% | 2,101 |
| Cost of funding earning assets | 0.2057% | 4,877 |
| Net interest margin | 4.3632% | 675 |
| Noninterest income to average assets | 1.2561% | 554 |
| Noninterest expense to average assets | 3.0546% | 1,752 |
| Loan and lease loss provision to assets | 0.0474% | 3,184 |
| Net operating income to assets | 1.9901% | 273 |
| Return on assets (ROA) | 2.0148% | 289 |
| Pretax return on assets | 2.0181% | 431 |
| Return on Equity (ROE) | 15.8762% | 437 |
| Retained earnings to average equity (ytd only) | -18.8496% | 4,946 |
| Net charge-offs to loans | -0.0066% | 3,940 |
| Credit loss provision to net charge-offs | -1,052.6316% | 3,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6444% | 3,790 |
| Assets per employee ($millions) | 4.3811% | 3,432 |
| Cash dividends to net income (ytd only)* | 218.7287% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1912% | 2,718 |
| Loan loss allowance to noncurrent loans | 368.8093% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 3,136 |
| Noncurrent loans to loans | 0.3230% | 3,335 |
| Net loans and leases to total assets | 67.7504% | 2,578 |
| Net loans and leases to deposits | 79.7167% | 2,710 |
| Net loans and leases to core deposits | 80.6687% | 3,139 |
| Total domestic deposits to total assets | 84.9890% | 2,414 |
| Equity capital to assets | 12.4950% | 1,737 |
| Core capital (leverage) ratio | 8.4010% | 4,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3635% | 3,258 |
| Memoranda: | ||
| Average total assets | $1,686,525,000 | 526 |
| Average earning assets | $1,484,049,000 | 532 |
| Average equity | $214,030,500 | 469 |
| Average total loans | $1,153,918,500 | 528 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 2,562 |
| Cost of funding earning assets | 0.2341% | 4,890 |
| Net interest margin | 4.3789% | 936 |
| Noninterest income to average assets | 1.0720% | 828 |
| Noninterest expense to average assets | 3.2410% | 1,427 |
| Loan and lease loss provision to assets | 0.0322% | 3,371 |
| Net operating income to assets | 1.6544% | 732 |
| Return on assets (ROA) | 1.6506% | 787 |
| Pretax return on assets | 1.6513% | 1,334 |
| Return on Equity (ROE) | 13.4766% | 1,022 |
| Retained earnings to average equity (ytd only) | 1.3300% | 4,268 |
| Net charge-offs to loans | 0.0125% | 3,239 |
| Credit loss provision to net charge-offs | 384.6154% | 729 |
| Earnings coverage of net charge-offs (x) | 201.6503% | 398 |
| Efficiency ratio | 65.4560% | 2,846 |
| Assets per employee ($millions) | 4.5797% | 3,107 |
| Cash dividends to net income (ytd only)* | 90.1312% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 2,715 |
| Loan loss allowance to noncurrent loans | 314.8741% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3523% | 2,997 |
| Noncurrent loans to loans | 0.3643% | 3,146 |
| Net loans and leases to total assets | 67.4931% | 2,752 |
| Net loans and leases to deposits | 80.5193% | 2,721 |
| Net loans and leases to core deposits | 81.5356% | 3,174 |
| Total domestic deposits to total assets | 83.8223% | 2,900 |
| Equity capital to assets | 12.8812% | 1,593 |
| Core capital (leverage) ratio | 8.8874% | 4,608 |
| Tier 1 risk-based capital ratio | 10.9301% | 4,881 |
| Total risk-based capital ratio | 11.9405% | 4,878 |
| Memoranda: | ||
| Average total assets | $1,709,029,400 | 497 |
| Average earning assets | $1,505,067,000 | 513 |
| Average equity | $209,325,400 | 463 |
| Average total loans | $1,147,552,200 | 510 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5795% | 2,792 |
| Cost of funding earning assets | 0.2295% | 4,974 |
| Net interest margin | 4.3501% | 1,053 |
| Noninterest income to average assets | 1.0502% | 836 |
| Noninterest expense to average assets | 3.1654% | 1,538 |
| Loan and lease loss provision to assets | 0.0429% | 3,045 |
| Net operating income to assets | 1.6742% | 781 |
| Return on assets (ROA) | 1.6693% | 836 |
| Pretax return on assets | 1.6702% | 1,419 |
| Return on Equity (ROE) | 13.8068% | 1,025 |
| Retained earnings to average equity (ytd only) | -1.3827% | 4,889 |
| Net charge-offs to loans | -0.0120% | 4,432 |
| Credit loss provision to net charge-offs | -533.9806% | 4,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5103% | 2,936 |
| Assets per employee ($millions) | 4.6321% | 3,003 |
| Cash dividends to net income (ytd only)* | 110.0145% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,696 |
| Loan loss allowance to noncurrent loans | 260.1184% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 2,913 |
| Noncurrent loans to loans | 0.4476% | 2,962 |
| Net loans and leases to total assets | 66.5827% | 2,976 |
| Net loans and leases to deposits | 79.0151% | 3,009 |
| Net loans and leases to core deposits | 80.4746% | 3,355 |
| Total domestic deposits to total assets | 84.2658% | 2,724 |
| Equity capital to assets | 12.3705% | 1,995 |
| Core capital (leverage) ratio | 8.5354% | 4,930 |
| Tier 1 risk-based capital ratio | 10.5686% | 5,057 |
| Total risk-based capital ratio | 11.5991% | 5,044 |
| Memoranda: | ||
| Average total assets | $1,709,225,250 | 495 |
| Average earning assets | $1,506,169,500 | 514 |
| Average equity | $206,646,000 | 464 |
| Average total loans | $1,142,858,500 | 513 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 2,937 |
| Cost of funding earning assets | 0.2154% | 5,041 |
| Net interest margin | 4.3092% | 1,125 |
| Noninterest income to average assets | 1.0984% | 706 |
| Noninterest expense to average assets | 3.1568% | 1,598 |
| Loan and lease loss provision to assets | 0.0529% | 2,761 |
| Net operating income to assets | 1.6877% | 740 |
| Return on assets (ROA) | 1.6802% | 787 |
| Pretax return on assets | 1.6816% | 1,318 |
| Return on Equity (ROE) | 14.0078% | 979 |
| Retained earnings to average equity (ytd only) | -6.7866% | 5,113 |
| Net charge-offs to loans | -0.0012% | 3,912 |
| Credit loss provision to net charge-offs | -6,428.5714% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1370% | 3,110 |
| Assets per employee ($millions) | 4.5294% | 3,091 |
| Cash dividends to net income (ytd only)* | 148.4490% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1547% | 2,767 |
| Loan loss allowance to noncurrent loans | 305.1352% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 3,024 |
| Noncurrent loans to loans | 0.3784% | 3,169 |
| Net loans and leases to total assets | 66.9660% | 2,965 |
| Net loans and leases to deposits | 79.3438% | 3,016 |
| Net loans and leases to core deposits | 80.8038% | 3,359 |
| Total domestic deposits to total assets | 84.3998% | 2,722 |
| Equity capital to assets | 12.1212% | 2,105 |
| Core capital (leverage) ratio | 8.2971% | 5,061 |
| Tier 1 risk-based capital ratio | 10.2318% | 5,193 |
| Total risk-based capital ratio | 11.2504% | 5,168 |
| Memoranda: | ||
| Average total assets | $1,699,953,670 | 499 |
| Average earning assets | $1,499,256,000 | 514 |
| Average equity | $203,901,000 | 467 |
| Average total loans | $1,133,747,000 | 514 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 3,021 |
| Cost of funding earning assets | 0.1869% | 5,146 |
| Net interest margin | 4.2718% | 1,145 |
| Noninterest income to average assets | 0.9787% | 862 |
| Noninterest expense to average assets | 3.1771% | 1,553 |
| Loan and lease loss provision to assets | 0.0236% | 3,123 |
| Net operating income to assets | 1.5422% | 1,021 |
| Return on assets (ROA) | 1.5422% | 1,051 |
| Pretax return on assets | 1.5450% | 1,623 |
| Return on Equity (ROE) | 12.9268% | 1,241 |
| Retained earnings to average equity (ytd only) | -18.3833% | 5,242 |
| Net charge-offs to loans | -0.0268% | 4,603 |
| Credit loss provision to net charge-offs | -133.3333% | 3,581 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6567% | 2,847 |
| Assets per employee ($millions) | 4.3998% | 3,332 |
| Cash dividends to net income (ytd only)* | 242.2110% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 2,706 |
| Loan loss allowance to noncurrent loans | 281.0389% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 2,930 |
| Noncurrent loans to loans | 0.4186% | 3,092 |
| Net loans and leases to total assets | 65.8764% | 3,073 |
| Net loans and leases to deposits | 77.0528% | 3,154 |
| Net loans and leases to core deposits | 78.2189% | 3,497 |
| Total domestic deposits to total assets | 85.4951% | 2,486 |
| Equity capital to assets | 11.9020% | 2,084 |
| Core capital (leverage) ratio | 8.3705% | 5,077 |
| Tier 1 risk-based capital ratio | 10.3609% | 5,205 |
| Total risk-based capital ratio | 11.3727% | 5,210 |
| Memoranda: | ||
| Average total assets | $1,691,616,000 | 501 |
| Average earning assets | $1,491,737,000 | 517 |
| Average equity | $201,813,500 | 468 |
| Average total loans | $1,119,127,000 | 523 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 3,009 |
| Cost of funding earning assets | 0.1531% | 5,163 |
| Net interest margin | 4.1765% | 1,460 |
| Noninterest income to average assets | 1.1011% | 763 |
| Noninterest expense to average assets | 3.2312% | 1,475 |
| Loan and lease loss provision to assets | 0.0266% | 3,645 |
| Net operating income to assets | 1.5268% | 1,051 |
| Return on assets (ROA) | 1.5100% | 1,077 |
| Pretax return on assets | 1.5107% | 1,747 |
| Return on Equity (ROE) | 12.9106% | 1,377 |
| Retained earnings to average equity (ytd only) | 0.4708% | 4,857 |
| Net charge-offs to loans | -0.0263% | 4,770 |
| Credit loss provision to net charge-offs | -157.3427% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1361% | 2,688 |
| Assets per employee ($millions) | 4.4918% | 3,187 |
| Cash dividends to net income (ytd only)* | 96.3533% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,786 |
| Loan loss allowance to noncurrent loans | 326.6683% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 3,093 |
| Noncurrent loans to loans | 0.3543% | 3,273 |
| Net loans and leases to total assets | 64.9029% | 3,263 |
| Net loans and leases to deposits | 76.2565% | 3,331 |
| Net loans and leases to core deposits | 77.4069% | 3,617 |
| Total domestic deposits to total assets | 85.1114% | 2,602 |
| Equity capital to assets | 11.9579% | 1,927 |
| Core capital (leverage) ratio | 8.8323% | 4,788 |
| Tier 1 risk-based capital ratio | 11.0403% | 4,963 |
| Total risk-based capital ratio | 12.0360% | 4,963 |
| Memoranda: | ||
| Average total assets | $1,694,413,200 | 487 |
| Average earning assets | $1,494,662,800 | 500 |
| Average equity | $198,170,600 | 457 |
| Average total loans | $1,085,522,400 | 523 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,946 |
| Cost of funding earning assets | 0.1464% | 5,232 |
| Net interest margin | 4.1589% | 1,472 |
| Noninterest income to average assets | 1.0512% | 861 |
| Noninterest expense to average assets | 3.1912% | 1,544 |
| Loan and lease loss provision to assets | 0.0355% | 3,300 |
| Net operating income to assets | 1.4953% | 1,208 |
| Return on assets (ROA) | 1.4930% | 1,209 |
| Pretax return on assets | 1.4940% | 1,918 |
| Return on Equity (ROE) | 12.8384% | 1,490 |
| Retained earnings to average equity (ytd only) | -2.6119% | 5,231 |
| Net charge-offs to loans | -0.0596% | 4,995 |
| Credit loss provision to net charge-offs | -93.5551% | 4,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1413% | 2,692 |
| Assets per employee ($millions) | 4.4292% | 3,232 |
| Cash dividends to net income (ytd only)* | 120.3442% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 2,642 |
| Loan loss allowance to noncurrent loans | 291.6058% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 3,115 |
| Noncurrent loans to loans | 0.4102% | 3,182 |
| Net loans and leases to total assets | 64.6111% | 3,352 |
| Net loans and leases to deposits | 75.5283% | 3,451 |
| Net loans and leases to core deposits | 77.2356% | 3,716 |
| Total domestic deposits to total assets | 85.5456% | 2,373 |
| Equity capital to assets | 11.5847% | 2,192 |
| Core capital (leverage) ratio | 8.5516% | 5,064 |
| Tier 1 risk-based capital ratio | 10.8789% | 5,089 |
| Total risk-based capital ratio | 11.9093% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,691,293,500 | 484 |
| Average earning assets | $1,493,213,000 | 495 |
| Average equity | $196,686,000 | 456 |
| Average total loans | $1,076,704,250 | 526 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 2,968 |
| Cost of funding earning assets | 0.1255% | 5,329 |
| Net interest margin | 4.1179% | 1,497 |
| Noninterest income to average assets | 1.0358% | 898 |
| Noninterest expense to average assets | 3.1761% | 1,598 |
| Loan and lease loss provision to assets | 0.0354% | 3,208 |
| Net operating income to assets | 1.4607% | 1,251 |
| Return on assets (ROA) | 1.4572% | 1,259 |
| Pretax return on assets | 1.4587% | 1,960 |
| Return on Equity (ROE) | 12.5148% | 1,538 |
| Retained earnings to average equity (ytd only) | -7.9674% | 5,381 |
| Net charge-offs to loans | -0.0973% | 5,148 |
| Credit loss provision to net charge-offs | -57.6923% | 4,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5390% | 2,720 |
| Assets per employee ($millions) | 4.3845% | 3,299 |
| Cash dividends to net income (ytd only)* | 163.6636% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,714 |
| Loan loss allowance to noncurrent loans | 293.3708% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.4040% | 3,118 |
| Noncurrent loans to loans | 0.4090% | 3,231 |
| Net loans and leases to total assets | 64.0064% | 3,398 |
| Net loans and leases to deposits | 76.0086% | 3,332 |
| Net loans and leases to core deposits | 76.9486% | 3,665 |
| Total domestic deposits to total assets | 84.2094% | 2,990 |
| Equity capital to assets | 11.4601% | 2,230 |
| Core capital (leverage) ratio | 8.3581% | 5,189 |
| Tier 1 risk-based capital ratio | 10.7358% | 5,175 |
| Total risk-based capital ratio | 11.7745% | 5,159 |
| Memoranda: | ||
| Average total assets | $1,694,026,000 | 483 |
| Average earning assets | $1,496,556,330 | 493 |
| Average equity | $197,254,330 | 452 |
| Average total loans | $1,068,728,000 | 524 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,012 |
| Cost of funding earning assets | 0.1086% | 5,439 |
| Net interest margin | 4.0561% | 1,546 |
| Noninterest income to average assets | 1.0067% | 900 |
| Noninterest expense to average assets | 3.0648% | 1,910 |
| Loan and lease loss provision to assets | 0.0353% | 3,036 |
| Net operating income to assets | 1.4875% | 1,112 |
| Return on assets (ROA) | 1.4807% | 1,124 |
| Pretax return on assets | 1.4835% | 1,715 |
| Return on Equity (ROE) | 12.6175% | 1,373 |
| Retained earnings to average equity (ytd only) | -20.9478% | 5,512 |
| Net charge-offs to loans | -0.2776% | 5,437 |
| Credit loss provision to net charge-offs | -20.4082% | 3,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5301% | 3,074 |
| Assets per employee ($millions) | 4.3208% | 3,450 |
| Cash dividends to net income (ytd only)* | 266.0210% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,571 |
| Loan loss allowance to noncurrent loans | 270.1256% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 3,012 |
| Noncurrent loans to loans | 0.4593% | 3,155 |
| Net loans and leases to total assets | 62.4534% | 3,493 |
| Net loans and leases to deposits | 72.7171% | 3,535 |
| Net loans and leases to core deposits | 73.6196% | 3,849 |
| Total domestic deposits to total assets | 85.8855% | 2,598 |
| Equity capital to assets | 11.4361% | 2,185 |
| Core capital (leverage) ratio | 8.1794% | 5,326 |
| Tier 1 risk-based capital ratio | 10.8089% | 5,245 |
| Total risk-based capital ratio | 11.8822% | 5,210 |
| Memoranda: | ||
| Average total assets | $1,701,405,500 | 481 |
| Average earning assets | $1,503,235,000 | 498 |
| Average equity | $199,658,500 | 452 |
| Average total loans | $1,059,145,500 | 532 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,272 |
| Cost of funding earning assets | 0.1132% | 5,443 |
| Net interest margin | 3.9274% | 2,001 |
| Noninterest income to average assets | 1.0700% | 891 |
| Noninterest expense to average assets | 3.0962% | 1,871 |
| Loan and lease loss provision to assets | -0.0294% | 5,351 |
| Net operating income to assets | 1.4682% | 874 |
| Return on assets (ROA) | 1.4466% | 931 |
| Pretax return on assets | 1.4473% | 1,827 |
| Return on Equity (ROE) | 11.9935% | 1,217 |
| Retained earnings to average equity (ytd only) | 0.2899% | 4,910 |
| Net charge-offs to loans | -0.0277% | 5,039 |
| Credit loss provision to net charge-offs | 178.5714% | 1,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0246% | 2,891 |
| Assets per employee ($millions) | 4.4605% | 3,251 |
| Cash dividends to net income (ytd only)* | 97.5831% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 3,035 |
| Loan loss allowance to noncurrent loans | 229.1199% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 2,985 |
| Noncurrent loans to loans | 0.5034% | 3,015 |
| Net loans and leases to total assets | 60.5908% | 3,776 |
| Net loans and leases to deposits | 71.2211% | 3,774 |
| Net loans and leases to core deposits | 71.7883% | 4,065 |
| Total domestic deposits to total assets | 85.0742% | 2,814 |
| Equity capital to assets | 12.0237% | 1,820 |
| Core capital (leverage) ratio | 8.7172% | 4,932 |
| Tier 1 risk-based capital ratio | 11.7247% | 4,701 |
| Total risk-based capital ratio | 12.7292% | 4,755 |
| Memoranda: | ||
| Average total assets | $1,698,915,400 | 466 |
| Average earning assets | $1,499,131,000 | 478 |
| Average equity | $204,919,600 | 431 |
| Average total loans | $1,011,239,200 | 536 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,260 |
| Cost of funding earning assets | 0.1158% | 5,496 |
| Net interest margin | 3.9101% | 2,008 |
| Noninterest income to average assets | 1.0877% | 861 |
| Noninterest expense to average assets | 3.1050% | 1,786 |
| Loan and lease loss provision to assets | -0.0394% | 5,505 |
| Net operating income to assets | 1.4729% | 954 |
| Return on assets (ROA) | 1.4764% | 959 |
| Pretax return on assets | 1.4773% | 1,857 |
| Return on Equity (ROE) | 12.2306% | 1,264 |
| Retained earnings to average equity (ytd only) | -2.2985% | 5,445 |
| Net charge-offs to loans | -0.0925% | 5,358 |
| Credit loss provision to net charge-offs | 72.1501% | 2,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1611% | 2,850 |
| Assets per employee ($millions) | 4.3295% | 3,423 |
| Cash dividends to net income (ytd only)* | 118.7931% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,797 |
| Loan loss allowance to noncurrent loans | 224.5340% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 2,977 |
| Noncurrent loans to loans | 0.5438% | 3,074 |
| Net loans and leases to total assets | 60.7516% | 3,788 |
| Net loans and leases to deposits | 72.2090% | 3,747 |
| Net loans and leases to core deposits | 72.8285% | 4,080 |
| Total domestic deposits to total assets | 84.1330% | 3,068 |
| Equity capital to assets | 12.3287% | 1,761 |
| Core capital (leverage) ratio | 8.6057% | 5,154 |
| Tier 1 risk-based capital ratio | 11.3876% | 5,022 |
| Total risk-based capital ratio | 12.4264% | 5,045 |
| Memoranda: | ||
| Average total assets | $1,690,977,000 | 470 |
| Average earning assets | $1,492,700,250 | 483 |
| Average equity | $204,127,000 | 435 |
| Average total loans | $998,833,750 | 545 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9505% | 3,373 |
| Cost of funding earning assets | 0.1147% | 5,538 |
| Net interest margin | 3.8358% | 2,149 |
| Noninterest income to average assets | 1.0433% | 939 |
| Noninterest expense to average assets | 3.1115% | 1,811 |
| Loan and lease loss provision to assets | -0.0591% | 5,610 |
| Net operating income to assets | 1.3758% | 1,116 |
| Return on assets (ROA) | 1.3811% | 1,131 |
| Pretax return on assets | 1.3824% | 2,088 |
| Return on Equity (ROE) | 11.5226% | 1,459 |
| Retained earnings to average equity (ytd only) | -7.2488% | 5,591 |
| Net charge-offs to loans | -0.1204% | 5,466 |
| Credit loss provision to net charge-offs | 84.1751% | 2,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9963% | 2,677 |
| Assets per employee ($millions) | 4.3090% | 3,417 |
| Cash dividends to net income (ytd only)* | 162.9094% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,762 |
| Loan loss allowance to noncurrent loans | 218.8525% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 3,014 |
| Noncurrent loans to loans | 0.5661% | 3,038 |
| Net loans and leases to total assets | 59.3731% | 3,896 |
| Net loans and leases to deposits | 71.6215% | 3,776 |
| Net loans and leases to core deposits | 72.2639% | 4,074 |
| Total domestic deposits to total assets | 82.8984% | 3,600 |
| Equity capital to assets | 12.1349% | 1,839 |
| Core capital (leverage) ratio | 8.3456% | 5,323 |
| Tier 1 risk-based capital ratio | 11.2678% | 5,107 |
| Total risk-based capital ratio | 12.3171% | 5,115 |
| Memoranda: | ||
| Average total assets | $1,693,243,000 | 473 |
| Average earning assets | $1,494,814,330 | 482 |
| Average equity | $202,957,000 | 434 |
| Average total loans | $986,507,000 | 549 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8274% | 3,663 |
| Cost of funding earning assets | 0.1125% | 5,602 |
| Net interest margin | 3.7149% | 2,441 |
| Noninterest income to average assets | 1.0555% | 902 |
| Noninterest expense to average assets | 3.0837% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2515% | 1,374 |
| Return on assets (ROA) | 1.2607% | 1,380 |
| Pretax return on assets | 1.2633% | 2,376 |
| Return on Equity (ROE) | 10.5830% | 1,704 |
| Retained earnings to average equity (ytd only) | -21.5023% | 5,747 |
| Net charge-offs to loans | -0.0312% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8388% | 2,769 |
| Assets per employee ($millions) | 4.3230% | 3,463 |
| Cash dividends to net income (ytd only)* | 303.1776% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,564 |
| Loan loss allowance to noncurrent loans | 159.5493% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6530% | 2,675 |
| Noncurrent loans to loans | 0.8113% | 2,422 |
| Net loans and leases to total assets | 56.9695% | 4,067 |
| Net loans and leases to deposits | 67.4655% | 4,045 |
| Net loans and leases to core deposits | 68.1405% | 4,288 |
| Total domestic deposits to total assets | 84.4424% | 3,312 |
| Equity capital to assets | 11.7727% | 1,985 |
| Core capital (leverage) ratio | 8.1987% | 5,450 |
| Tier 1 risk-based capital ratio | 11.1297% | 5,242 |
| Total risk-based capital ratio | 12.1814% | 5,266 |
| Memoranda: | ||
| Average total assets | $1,697,460,500 | 473 |
| Average earning assets | $1,499,813,500 | 484 |
| Average equity | $202,211,000 | 438 |
| Average total loans | $973,324,500 | 559 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 3,255 |
| Cost of funding earning assets | 0.1127% | 5,644 |
| Net interest margin | 3.8714% | 2,060 |
| Noninterest income to average assets | 1.0143% | 1,102 |
| Noninterest expense to average assets | 3.0346% | 2,239 |
| Loan and lease loss provision to assets | 0.0119% | 4,137 |
| Net operating income to assets | 1.3922% | 1,023 |
| Return on assets (ROA) | 1.3981% | 1,041 |
| Pretax return on assets | 1.3988% | 1,945 |
| Return on Equity (ROE) | 11.1356% | 1,530 |
| Retained earnings to average equity (ytd only) | -2.1492% | 5,547 |
| Net charge-offs to loans | 0.1296% | 1,946 |
| Credit loss provision to net charge-offs | 15.8730% | 3,704 |
| Earnings coverage of net charge-offs (x) | 18.7119% | 1,951 |
| Efficiency ratio | 68.1488% | 3,209 |
| Assets per employee ($millions) | 4.6548% | 2,868 |
| Cash dividends to net income (ytd only)* | 119.3003% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,690 |
| Loan loss allowance to noncurrent loans | 143.4908% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.7351% | 2,525 |
| Noncurrent loans to loans | 0.8870% | 2,329 |
| Net loans and leases to total assets | 56.2472% | 4,243 |
| Net loans and leases to deposits | 67.8767% | 4,090 |
| Net loans and leases to core deposits | 68.5497% | 4,356 |
| Total domestic deposits to total assets | 82.8667% | 3,813 |
| Equity capital to assets | 12.0492% | 1,764 |
| Core capital (leverage) ratio | 8.8231% | 4,938 |
| Tier 1 risk-based capital ratio | 12.0012% | 4,730 |
| Total risk-based capital ratio | 13.0413% | 4,764 |
| Memoranda: | ||
| Average total assets | $1,678,370,000 | 463 |
| Average earning assets | $1,484,844,400 | 467 |
| Average equity | $210,729,800 | 416 |
| Average total loans | $971,985,600 | 522 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 3,335 |
| Cost of funding earning assets | 0.1077% | 5,735 |
| Net interest margin | 3.8600% | 2,115 |
| Noninterest income to average assets | 0.9701% | 1,213 |
| Noninterest expense to average assets | 3.0108% | 2,289 |
| Loan and lease loss provision to assets | 0.0169% | 3,906 |
| Net operating income to assets | 1.3693% | 1,127 |
| Return on assets (ROA) | 1.3776% | 1,176 |
| Pretax return on assets | 1.3783% | 2,131 |
| Return on Equity (ROE) | 10.8563% | 1,724 |
| Retained earnings to average equity (ytd only) | -6.6392% | 5,783 |
| Net charge-offs to loans | 0.1346% | 1,629 |
| Credit loss provision to net charge-offs | 21.9539% | 3,282 |
| Earnings coverage of net charge-offs (x) | 18.0208% | 2,020 |
| Efficiency ratio | 68.3719% | 3,164 |
| Assets per employee ($millions) | 4.8063% | 2,604 |
| Cash dividends to net income (ytd only)* | 161.1554% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 2,035 |
| Loan loss allowance to noncurrent loans | 153.2679% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.7488% | 2,685 |
| Noncurrent loans to loans | 0.9373% | 2,370 |
| Net loans and leases to total assets | 55.3841% | 4,371 |
| Net loans and leases to deposits | 66.3439% | 4,311 |
| Net loans and leases to core deposits | 66.8575% | 4,551 |
| Total domestic deposits to total assets | 83.4804% | 3,403 |
| Equity capital to assets | 12.5914% | 1,722 |
| Core capital (leverage) ratio | 8.5306% | 5,336 |
| Tier 1 risk-based capital ratio | 11.8000% | 4,919 |
| Total risk-based capital ratio | 12.9752% | 4,867 |
| Memoranda: | ||
| Average total assets | $1,578,179,750 | 482 |
| Average earning assets | $1,401,421,000 | 500 |
| Average equity | $200,259,000 | 436 |
| Average total loans | $902,694,500 | 559 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 3,308 |
| Cost of funding earning assets | 0.1094% | 5,811 |
| Net interest margin | 3.8715% | 2,078 |
| Noninterest income to average assets | 0.9083% | 1,354 |
| Noninterest expense to average assets | 2.9346% | 2,567 |
| Loan and lease loss provision to assets | 0.0254% | 3,628 |
| Net operating income to assets | 1.3829% | 1,091 |
| Return on assets (ROA) | 1.3910% | 1,136 |
| Pretax return on assets | 1.3916% | 2,059 |
| Return on Equity (ROE) | 10.9338% | 1,671 |
| Retained earnings to average equity (ytd only) | -9.4391% | 5,871 |
| Net charge-offs to loans | 0.0719% | 2,155 |
| Credit loss provision to net charge-offs | 61.3497% | 2,564 |
| Earnings coverage of net charge-offs (x) | 34.0460% | 1,290 |
| Efficiency ratio | 67.4723% | 3,458 |
| Assets per employee ($millions) | 4.7256% | 2,664 |
| Cash dividends to net income (ytd only)* | 186.3296% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,987 |
| Loan loss allowance to noncurrent loans | 137.9172% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 2,568 |
| Noncurrent loans to loans | 1.0647% | 2,162 |
| Net loans and leases to total assets | 57.2656% | 4,190 |
| Net loans and leases to deposits | 69.0255% | 4,082 |
| Net loans and leases to core deposits | 69.5692% | 4,357 |
| Total domestic deposits to total assets | 82.9630% | 3,670 |
| Equity capital to assets | 12.7693% | 1,625 |
| Core capital (leverage) ratio | 8.6594% | 5,206 |
| Tier 1 risk-based capital ratio | 11.5309% | 5,133 |
| Total risk-based capital ratio | 12.7271% | 5,058 |
| Memoranda: | ||
| Average total assets | $1,575,547,330 | 482 |
| Average earning assets | $1,398,004,000 | 496 |
| Average equity | $200,442,330 | 435 |
| Average total loans | $906,513,000 | 554 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 3,444 |
| Cost of funding earning assets | 0.1133% | 5,855 |
| Net interest margin | 3.8244% | 2,207 |
| Noninterest income to average assets | 0.8512% | 1,438 |
| Noninterest expense to average assets | 2.8086% | 3,037 |
| Loan and lease loss provision to assets | 0.0380% | 3,150 |
| Net operating income to assets | 1.3997% | 1,035 |
| Return on assets (ROA) | 1.4114% | 1,076 |
| Pretax return on assets | 1.4116% | 1,869 |
| Return on Equity (ROE) | 11.1145% | 1,560 |
| Retained earnings to average equity (ytd only) | -24.7447% | 6,000 |
| Net charge-offs to loans | 0.2651% | 788 |
| Credit loss provision to net charge-offs | 25.0417% | 2,258 |
| Earnings coverage of net charge-offs (x) | 9.4758% | 1,986 |
| Efficiency ratio | 66.0422% | 3,796 |
| Assets per employee ($millions) | 4.7556% | 2,664 |
| Cash dividends to net income (ytd only)* | 322.6351% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 2,195 |
| Loan loss allowance to noncurrent loans | 115.1088% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 2,383 |
| Noncurrent loans to loans | 1.2609% | 1,922 |
| Net loans and leases to total assets | 56.8748% | 4,161 |
| Net loans and leases to deposits | 68.7036% | 3,982 |
| Net loans and leases to core deposits | 69.3088% | 4,287 |
| Total domestic deposits to total assets | 82.7828% | 3,976 |
| Equity capital to assets | 12.5461% | 1,654 |
| Core capital (leverage) ratio | 8.3963% | 5,482 |
| Tier 1 risk-based capital ratio | 11.7389% | 5,088 |
| Total risk-based capital ratio | 12.9552% | 5,013 |
| Memoranda: | ||
| Average total assets | $1,578,874,000 | 485 |
| Average earning assets | $1,401,733,500 | 494 |
| Average equity | $200,495,500 | 430 |
| Average total loans | $903,857,000 | 555 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,273 |
| Cost of funding earning assets | 0.1240% | 5,861 |
| Net interest margin | 3.8872% | 2,074 |
| Noninterest income to average assets | 1.0549% | 1,062 |
| Noninterest expense to average assets | 3.0050% | 2,528 |
| Loan and lease loss provision to assets | 0.0434% | 3,458 |
| Net operating income to assets | 1.4445% | 956 |
| Return on assets (ROA) | 1.4531% | 970 |
| Pretax return on assets | 1.4537% | 1,706 |
| Return on Equity (ROE) | 11.3342% | 1,490 |
| Retained earnings to average equity (ytd only) | 1.1410% | 5,061 |
| Net charge-offs to loans | 0.1819% | 1,581 |
| Credit loss provision to net charge-offs | 40.8102% | 3,522 |
| Earnings coverage of net charge-offs (x) | 13.9897% | 2,330 |
| Efficiency ratio | 66.8595% | 3,772 |
| Assets per employee ($millions) | 4.7985% | 2,608 |
| Cash dividends to net income (ytd only)* | 89.9327% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4893% | 2,055 |
| Loan loss allowance to noncurrent loans | 130.1522% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8495% | 2,545 |
| Noncurrent loans to loans | 1.1442% | 2,054 |
| Net loans and leases to total assets | 55.9468% | 4,300 |
| Net loans and leases to deposits | 67.1624% | 4,202 |
| Net loans and leases to core deposits | 67.7841% | 4,462 |
| Total domestic deposits to total assets | 83.3007% | 3,740 |
| Equity capital to assets | 12.8476% | 1,438 |
| Core capital (leverage) ratio | 9.1416% | 4,702 |
| Tier 1 risk-based capital ratio | 12.3537% | 4,727 |
| Total risk-based capital ratio | 13.5582% | 4,649 |
| Memoranda: | ||
| Average total assets | $1,554,493,800 | 459 |
| Average earning assets | $1,375,069,800 | 468 |
| Average equity | $199,291,000 | 417 |
| Average total loans | $909,428,200 | 521 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0307% | 3,208 |
| Cost of funding earning assets | 0.1276% | 5,932 |
| Net interest margin | 3.9032% | 2,024 |
| Noninterest income to average assets | 0.9669% | 1,271 |
| Noninterest expense to average assets | 2.9827% | 2,582 |
| Loan and lease loss provision to assets | 0.0583% | 3,020 |
| Net operating income to assets | 1.3771% | 1,160 |
| Return on assets (ROA) | 1.3885% | 1,186 |
| Pretax return on assets | 1.3892% | 2,058 |
| Return on Equity (ROE) | 10.8368% | 1,769 |
| Retained earnings to average equity (ytd only) | -1.4453% | 5,800 |
| Net charge-offs to loans | 0.1936% | 1,315 |
| Credit loss provision to net charge-offs | 51.0977% | 3,022 |
| Earnings coverage of net charge-offs (x) | 12.5852% | 2,395 |
| Efficiency ratio | 67.2172% | 3,673 |
| Assets per employee ($millions) | 4.7306% | 2,654 |
| Cash dividends to net income (ytd only)* | 113.3367% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 2,052 |
| Loan loss allowance to noncurrent loans | 123.7312% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 2,418 |
| Noncurrent loans to loans | 1.2315% | 2,074 |
| Net loans and leases to total assets | 58.2095% | 4,117 |
| Net loans and leases to deposits | 70.0728% | 3,976 |
| Net loans and leases to core deposits | 70.8037% | 4,296 |
| Total domestic deposits to total assets | 83.0700% | 3,795 |
| Equity capital to assets | 12.9717% | 1,460 |
| Core capital (leverage) ratio | 8.8515% | 5,180 |
| Tier 1 risk-based capital ratio | 11.2925% | 5,492 |
| Total risk-based capital ratio | 12.4917% | 5,423 |
| Memoranda: | ||
| Average total assets | $1,543,638,750 | 466 |
| Average earning assets | $1,365,141,500 | 475 |
| Average equity | $197,790,500 | 422 |
| Average total loans | $909,911,250 | 525 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 3,189 |
| Cost of funding earning assets | 0.1284% | 5,993 |
| Net interest margin | 3.8954% | 1,994 |
| Noninterest income to average assets | 0.9425% | 1,325 |
| Noninterest expense to average assets | 3.0443% | 2,417 |
| Loan and lease loss provision to assets | 0.0582% | 2,937 |
| Net operating income to assets | 1.2821% | 1,371 |
| Return on assets (ROA) | 1.2909% | 1,408 |
| Pretax return on assets | 1.2915% | 2,396 |
| Return on Equity (ROE) | 10.1165% | 2,019 |
| Retained earnings to average equity (ytd only) | -6.1680% | 6,063 |
| Net charge-offs to loans | 0.2680% | 979 |
| Credit loss provision to net charge-offs | 36.8852% | 2,856 |
| Earnings coverage of net charge-offs (x) | 8.4943% | 2,559 |
| Efficiency ratio | 69.0360% | 3,489 |
| Assets per employee ($millions) | 4.7253% | 2,641 |
| Cash dividends to net income (ytd only)* | 160.9702% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5082% | 2,262 |
| Loan loss allowance to noncurrent loans | 123.3951% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 2,474 |
| Noncurrent loans to loans | 1.2222% | 2,210 |
| Net loans and leases to total assets | 58.5396% | 4,034 |
| Net loans and leases to deposits | 71.0994% | 3,815 |
| Net loans and leases to core deposits | 71.8248% | 4,156 |
| Total domestic deposits to total assets | 82.3348% | 4,183 |
| Equity capital to assets | 12.7696% | 1,508 |
| Core capital (leverage) ratio | 8.6265% | 5,404 |
| Tier 1 risk-based capital ratio | 11.4340% | 5,506 |
| Total risk-based capital ratio | 12.6748% | 5,435 |
| Memoranda: | ||
| Average total assets | $1,545,698,000 | 465 |
| Average earning assets | $1,366,062,670 | 475 |
| Average equity | $197,242,330 | 426 |
| Average total loans | $910,283,000 | 524 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9475% | 3,427 |
| Cost of funding earning assets | 0.1265% | 6,082 |
| Net interest margin | 3.8210% | 2,163 |
| Noninterest income to average assets | 0.8935% | 1,404 |
| Noninterest expense to average assets | 2.9179% | 2,840 |
| Loan and lease loss provision to assets | 0.0580% | 2,774 |
| Net operating income to assets | 1.3007% | 1,274 |
| Return on assets (ROA) | 1.3110% | 1,324 |
| Pretax return on assets | 1.3110% | 2,236 |
| Return on Equity (ROE) | 10.2770% | 1,884 |
| Retained earnings to average equity (ytd only) | -19.5042% | 6,268 |
| Net charge-offs to loans | 0.3994% | 609 |
| Credit loss provision to net charge-offs | 24.7525% | 2,321 |
| Earnings coverage of net charge-offs (x) | 5.8031% | 2,355 |
| Efficiency ratio | 67.6283% | 3,886 |
| Assets per employee ($millions) | 4.7648% | 2,668 |
| Cash dividends to net income (ytd only)* | 289.7839% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 2,259 |
| Loan loss allowance to noncurrent loans | 129.8420% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 2,441 |
| Noncurrent loans to loans | 1.1892% | 2,391 |
| Net loans and leases to total assets | 57.5740% | 4,012 |
| Net loans and leases to deposits | 69.4793% | 3,804 |
| Net loans and leases to core deposits | 70.2162% | 4,130 |
| Total domestic deposits to total assets | 82.8650% | 4,211 |
| Equity capital to assets | 12.6532% | 1,598 |
| Core capital (leverage) ratio | 8.3771% | 5,658 |
| Tier 1 risk-based capital ratio | 11.8995% | 5,310 |
| Total risk-based capital ratio | 13.1506% | 5,194 |
| Memoranda: | ||
| Average total assets | $1,553,041,500 | 465 |
| Average earning assets | $1,375,050,000 | 476 |
| Average equity | $198,111,500 | 424 |
| Average total loans | $910,439,000 | 519 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,633 |
| Cost of funding earning assets | 0.1375% | 6,168 |
| Net interest margin | 3.8852% | 2,298 |
| Noninterest income to average assets | 1.0032% | 1,207 |
| Noninterest expense to average assets | 3.0467% | 2,700 |
| Loan and lease loss provision to assets | 0.0712% | 3,064 |
| Net operating income to assets | 1.3118% | 1,282 |
| Return on assets (ROA) | 1.3185% | 1,310 |
| Pretax return on assets | 1.3184% | 2,184 |
| Return on Equity (ROE) | 10.6526% | 1,835 |
| Retained earnings to average equity (ytd only) | -0.9400% | 5,913 |
| Net charge-offs to loans | 0.2356% | 1,793 |
| Credit loss provision to net charge-offs | 52.9163% | 3,422 |
| Earnings coverage of net charge-offs (x) | 10.2756% | 2,629 |
| Efficiency ratio | 68.2100% | 3,862 |
| Assets per employee ($millions) | 4.9578% | 2,374 |
| Cash dividends to net income (ytd only)* | 108.8238% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5644% | 2,214 |
| Loan loss allowance to noncurrent loans | 100.4157% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 1.1774% | 2,408 |
| Noncurrent loans to loans | 1.5579% | 1,879 |
| Net loans and leases to total assets | 57.8453% | 4,063 |
| Net loans and leases to deposits | 70.3331% | 3,864 |
| Net loans and leases to core deposits | 71.1116% | 4,208 |
| Total domestic deposits to total assets | 82.2448% | 4,329 |
| Equity capital to assets | 12.8564% | 1,436 |
| Core capital (leverage) ratio | 8.8876% | 5,138 |
| Tier 1 risk-based capital ratio | 13.0474% | 4,699 |
| Total risk-based capital ratio | 14.2282% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,579,788,000 | 443 |
| Average earning assets | $1,393,202,000 | 455 |
| Average equity | $195,540,000 | 412 |
| Average total loans | $902,348,200 | 494 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0319% | 3,633 |
| Cost of funding earning assets | 0.1421% | 6,232 |
| Net interest margin | 3.8898% | 2,284 |
| Noninterest income to average assets | 0.9643% | 1,324 |
| Noninterest expense to average assets | 3.0863% | 2,507 |
| Loan and lease loss provision to assets | 0.0696% | 2,957 |
| Net operating income to assets | 1.2358% | 1,563 |
| Return on assets (ROA) | 1.2427% | 1,602 |
| Pretax return on assets | 1.2424% | 2,602 |
| Return on Equity (ROE) | 10.1378% | 2,151 |
| Retained earnings to average equity (ytd only) | -3.9968% | 6,207 |
| Net charge-offs to loans | 0.2910% | 1,353 |
| Credit loss provision to net charge-offs | 42.1779% | 3,256 |
| Earnings coverage of net charge-offs (x) | 7.9095% | 2,874 |
| Efficiency ratio | 69.7049% | 3,562 |
| Assets per employee ($millions) | 4.8058% | 2,509 |
| Cash dividends to net income (ytd only)* | 139.4243% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 2,397 |
| Loan loss allowance to noncurrent loans | 92.0651% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 2,378 |
| Noncurrent loans to loans | 1.7103% | 1,903 |
| Net loans and leases to total assets | 58.0211% | 4,067 |
| Net loans and leases to deposits | 70.7458% | 3,827 |
| Net loans and leases to core deposits | 71.6022% | 4,190 |
| Total domestic deposits to total assets | 82.0134% | 4,471 |
| Equity capital to assets | 12.6921% | 1,589 |
| Core capital (leverage) ratio | 8.5731% | 5,576 |
| Tier 1 risk-based capital ratio | 12.8198% | 4,965 |
| Total risk-based capital ratio | 13.9917% | 4,923 |
| Memoranda: | ||
| Average total assets | $1,580,588,250 | 442 |
| Average earning assets | $1,392,521,250 | 450 |
| Average equity | $193,751,750 | 412 |
| Average total loans | $896,316,250 | 494 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 3,784 |
| Cost of funding earning assets | 0.1456% | 6,291 |
| Net interest margin | 3.8404% | 2,411 |
| Noninterest income to average assets | 0.9412% | 1,357 |
| Noninterest expense to average assets | 3.0517% | 2,657 |
| Loan and lease loss provision to assets | 0.0565% | 3,164 |
| Net operating income to assets | 1.2135% | 1,550 |
| Return on assets (ROA) | 1.2400% | 1,538 |
| Pretax return on assets | 1.2392% | 2,503 |
| Return on Equity (ROE) | 10.2330% | 2,041 |
| Retained earnings to average equity (ytd only) | -8.5157% | 6,386 |
| Net charge-offs to loans | 0.0949% | 2,720 |
| Credit loss provision to net charge-offs | 106.3830% | 1,877 |
| Earnings coverage of net charge-offs (x) | 23.8794% | 1,453 |
| Efficiency ratio | 70.0439% | 3,651 |
| Assets per employee ($millions) | 4.7673% | 2,522 |
| Cash dividends to net income (ytd only)* | 183.2185% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7215% | 2,071 |
| Loan loss allowance to noncurrent loans | 101.7036% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 2,404 |
| Noncurrent loans to loans | 1.6927% | 2,053 |
| Net loans and leases to total assets | 55.9866% | 4,289 |
| Net loans and leases to deposits | 68.0446% | 4,044 |
| Net loans and leases to core deposits | 68.8002% | 4,391 |
| Total domestic deposits to total assets | 82.2792% | 4,553 |
| Equity capital to assets | 12.3148% | 1,764 |
| Core capital (leverage) ratio | 8.3589% | 5,788 |
| Tier 1 risk-based capital ratio | 12.5887% | 5,167 |
| Total risk-based capital ratio | 13.7611% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,591,627,000 | 442 |
| Average earning assets | $1,400,721,330 | 445 |
| Average equity | $192,867,000 | 410 |
| Average total loans | $891,013,670 | 493 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9613% | 3,850 |
| Cost of funding earning assets | 0.1492% | 6,359 |
| Net interest margin | 3.8121% | 2,416 |
| Noninterest income to average assets | 0.8135% | 1,700 |
| Noninterest expense to average assets | 2.9001% | 3,218 |
| Loan and lease loss provision to assets | 0.0376% | 3,309 |
| Net operating income to assets | 1.2345% | 1,388 |
| Return on assets (ROA) | 1.2666% | 1,355 |
| Pretax return on assets | 1.2636% | 2,235 |
| Return on Equity (ROE) | 10.5377% | 1,851 |
| Retained earnings to average equity (ytd only) | -23.5546% | 6,570 |
| Net charge-offs to loans | -0.0023% | 4,714 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9589% | 4,007 |
| Assets per employee ($millions) | 4.7887% | 2,537 |
| Cash dividends to net income (ytd only)* | 323.5259% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7848% | 2,084 |
| Loan loss allowance to noncurrent loans | 106.4916% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 2,552 |
| Noncurrent loans to loans | 1.6760% | 2,315 |
| Net loans and leases to total assets | 55.1648% | 4,259 |
| Net loans and leases to deposits | 65.9149% | 4,108 |
| Net loans and leases to core deposits | 66.6546% | 4,432 |
| Total domestic deposits to total assets | 83.6909% | 4,387 |
| Equity capital to assets | 11.9695% | 1,887 |
| Core capital (leverage) ratio | 8.0865% | 6,052 |
| Tier 1 risk-based capital ratio | 12.6086% | 5,248 |
| Total risk-based capital ratio | 13.7804% | 5,231 |
| Memoranda: | ||
| Average total assets | $1,596,060,500 | 444 |
| Average earning assets | $1,404,985,500 | 449 |
| Average equity | $191,844,000 | 411 |
| Average total loans | $885,693,000 | 491 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 4,442 |
| Cost of funding earning assets | 0.1832% | 6,376 |
| Net interest margin | 3.7214% | 2,972 |
| Noninterest income to average assets | 0.9698% | 1,462 |
| Noninterest expense to average assets | 2.8563% | 3,511 |
| Loan and lease loss provision to assets | 0.0237% | 4,651 |
| Net operating income to assets | 1.3566% | 1,117 |
| Return on assets (ROA) | 1.3621% | 1,153 |
| Pretax return on assets | 1.3672% | 1,908 |
| Return on Equity (ROE) | 11.0127% | 1,764 |
| Retained earnings to average equity (ytd only) | 0.2005% | 5,756 |
| Net charge-offs to loans | 0.1417% | 3,391 |
| Credit loss provision to net charge-offs | 31.0430% | 4,230 |
| Earnings coverage of net charge-offs (x) | 18.1308% | 1,673 |
| Efficiency ratio | 66.5712% | 4,459 |
| Assets per employee ($millions) | 5.2783% | 1,878 |
| Cash dividends to net income (ytd only)* | 98.1794% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 2,336 |
| Loan loss allowance to noncurrent loans | 99.4439% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3921% | 2,660 |
| Noncurrent loans to loans | 1.7289% | 2,327 |
| Net loans and leases to total assets | 53.9036% | 4,588 |
| Net loans and leases to deposits | 65.9813% | 4,296 |
| Net loans and leases to core deposits | 66.6408% | 4,641 |
| Total domestic deposits to total assets | 81.6953% | 4,976 |
| Equity capital to assets | 12.0680% | 1,758 |
| Core capital (leverage) ratio | 8.7750% | 5,322 |
| Tier 1 risk-based capital ratio | 13.3271% | 4,769 |
| Total risk-based capital ratio | 14.5005% | 4,762 |
| Memoranda: | ||
| Average total assets | $1,580,776,800 | 437 |
| Average earning assets | $1,389,861,000 | 443 |
| Average equity | $195,510,400 | 395 |
| Average total loans | $852,468,200 | 487 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 4,393 |
| Cost of funding earning assets | 0.1879% | 6,460 |
| Net interest margin | 3.7413% | 2,881 |
| Noninterest income to average assets | 1.0031% | 1,444 |
| Noninterest expense to average assets | 2.9020% | 3,302 |
| Loan and lease loss provision to assets | 0.0333% | 4,354 |
| Net operating income to assets | 1.3397% | 1,245 |
| Return on assets (ROA) | 1.3382% | 1,297 |
| Pretax return on assets | 1.3456% | 2,142 |
| Return on Equity (ROE) | 10.7177% | 1,919 |
| Retained earnings to average equity (ytd only) | -3.0069% | 6,354 |
| Net charge-offs to loans | 0.1066% | 3,473 |
| Credit loss provision to net charge-offs | 58.2298% | 3,335 |
| Earnings coverage of net charge-offs (x) | 24.1272% | 1,437 |
| Efficiency ratio | 66.9834% | 4,304 |
| Assets per employee ($millions) | 4.9550% | 2,224 |
| Cash dividends to net income (ytd only)* | 128.0555% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,072 |
| Loan loss allowance to noncurrent loans | 94.3400% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.5840% | 2,562 |
| Noncurrent loans to loans | 1.9876% | 2,257 |
| Net loans and leases to total assets | 53.3309% | 4,705 |
| Net loans and leases to deposits | 65.4855% | 4,355 |
| Net loans and leases to core deposits | 66.1899% | 4,696 |
| Total domestic deposits to total assets | 81.4392% | 5,105 |
| Equity capital to assets | 12.2841% | 1,726 |
| Core capital (leverage) ratio | 8.6031% | 5,659 |
| Tier 1 risk-based capital ratio | 13.2475% | 4,948 |
| Total risk-based capital ratio | 14.4039% | 4,962 |
| Memoranda: | ||
| Average total assets | $1,500,743,000 | 457 |
| Average earning assets | $1,315,451,500 | 474 |
| Average equity | $187,386,250 | 408 |
| Average total loans | $805,770,250 | 518 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9158% | 4,418 |
| Cost of funding earning assets | 0.1971% | 6,490 |
| Net interest margin | 3.7187% | 2,887 |
| Noninterest income to average assets | 0.8944% | 1,826 |
| Noninterest expense to average assets | 2.8497% | 3,518 |
| Loan and lease loss provision to assets | 0.0300% | 4,329 |
| Net operating income to assets | 1.2645% | 1,418 |
| Return on assets (ROA) | 1.2649% | 1,515 |
| Pretax return on assets | 1.2725% | 2,396 |
| Return on Equity (ROE) | 10.0760% | 2,167 |
| Retained earnings to average equity (ytd only) | -8.7474% | 6,631 |
| Net charge-offs to loans | 0.1415% | 2,964 |
| Credit loss provision to net charge-offs | 39.6825% | 3,422 |
| Earnings coverage of net charge-offs (x) | 17.2116% | 1,619 |
| Efficiency ratio | 67.8301% | 4,212 |
| Assets per employee ($millions) | 4.7887% | 2,396 |
| Cash dividends to net income (ytd only)* | 186.8143% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 2,135 |
| Loan loss allowance to noncurrent loans | 99.4791% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6467% | 2,635 |
| Noncurrent loans to loans | 1.9018% | 2,505 |
| Net loans and leases to total assets | 53.7176% | 4,631 |
| Net loans and leases to deposits | 64.8834% | 4,389 |
| Net loans and leases to core deposits | 65.5745% | 4,733 |
| Total domestic deposits to total assets | 82.7910% | 4,784 |
| Equity capital to assets | 12.3046% | 1,702 |
| Core capital (leverage) ratio | 8.3906% | 5,777 |
| Tier 1 risk-based capital ratio | 12.9577% | 5,171 |
| Total risk-based capital ratio | 14.1131% | 5,177 |
| Memoranda: | ||
| Average total assets | $1,498,885,000 | 455 |
| Average earning assets | $1,312,984,000 | 469 |
| Average equity | $188,169,330 | 407 |
| Average total loans | $801,466,000 | 514 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 4,471 |
| Cost of funding earning assets | 0.2059% | 6,547 |
| Net interest margin | 3.6946% | 2,875 |
| Noninterest income to average assets | 0.8459% | 1,939 |
| Noninterest expense to average assets | 2.8272% | 3,607 |
| Loan and lease loss provision to assets | 0.0199% | 4,219 |
| Net operating income to assets | 1.2254% | 1,447 |
| Return on assets (ROA) | 1.2110% | 1,610 |
| Pretax return on assets | 1.2186% | 2,511 |
| Return on Equity (ROE) | 9.5534% | 2,242 |
| Retained earnings to average equity (ytd only) | -23.5201% | 6,864 |
| Net charge-offs to loans | 0.1743% | 2,352 |
| Credit loss provision to net charge-offs | 21.5517% | 3,013 |
| Earnings coverage of net charge-offs (x) | 13.6006% | 1,521 |
| Efficiency ratio | 68.4726% | 4,228 |
| Assets per employee ($millions) | 4.7681% | 2,545 |
| Cash dividends to net income (ytd only)* | 346.1959% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 2,136 |
| Loan loss allowance to noncurrent loans | 89.4764% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 1.8881% | 2,490 |
| Noncurrent loans to loans | 2.1947% | 2,392 |
| Net loans and leases to total assets | 52.1706% | 4,682 |
| Net loans and leases to deposits | 62.0848% | 4,535 |
| Net loans and leases to core deposits | 62.8264% | 4,869 |
| Total domestic deposits to total assets | 84.0312% | 4,469 |
| Equity capital to assets | 12.6518% | 1,616 |
| Core capital (leverage) ratio | 8.0941% | 6,052 |
| Tier 1 risk-based capital ratio | 12.9725% | 5,246 |
| Total risk-based capital ratio | 14.2284% | 5,185 |
| Memoranda: | ||
| Average total assets | $1,510,872,000 | 457 |
| Average earning assets | $1,322,673,000 | 470 |
| Average equity | $191,513,000 | 405 |
| Average total loans | $798,416,500 | 517 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 4,316 |
| Cost of funding earning assets | 0.3303% | 6,313 |
| Net interest margin | 3.9399% | 2,654 |
| Noninterest income to average assets | 1.0919% | 1,299 |
| Noninterest expense to average assets | 3.0206% | 3,201 |
| Loan and lease loss provision to assets | 0.1583% | 3,635 |
| Net operating income to assets | 1.3520% | 1,191 |
| Return on assets (ROA) | 1.3494% | 1,324 |
| Pretax return on assets | 1.3509% | 2,206 |
| Return on Equity (ROE) | 10.3311% | 2,037 |
| Retained earnings to average equity (ytd only) | 2.1653% | 4,709 |
| Net charge-offs to loans | 0.4457% | 2,447 |
| Credit loss provision to net charge-offs | 64.4494% | 4,331 |
| Earnings coverage of net charge-offs (x) | 6.1540% | 2,863 |
| Efficiency ratio | 65.4264% | 4,619 |
| Assets per employee ($millions) | 4.9622% | 2,281 |
| Cash dividends to net income (ytd only)* | 79.0413% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 2,248 |
| Loan loss allowance to noncurrent loans | 76.1171% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.9962% | 2,457 |
| Noncurrent loans to loans | 2.5169% | 2,096 |
| Net loans and leases to total assets | 51.4884% | 4,980 |
| Net loans and leases to deposits | 61.5322% | 4,843 |
| Net loans and leases to core deposits | 62.2963% | 5,126 |
| Total domestic deposits to total assets | 83.6771% | 4,460 |
| Equity capital to assets | 12.6983% | 1,591 |
| Core capital (leverage) ratio | 8.8819% | 5,060 |
| Tier 1 risk-based capital ratio | 13.2741% | 4,919 |
| Total risk-based capital ratio | 14.5178% | 4,868 |
| Memoranda: | ||
| Average total assets | $1,474,771,800 | 453 |
| Average earning assets | $1,287,846,800 | 471 |
| Average equity | $192,631,400 | 388 |
| Average total loans | $812,944,000 | 505 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3693% | 4,171 |
| Cost of funding earning assets | 0.3623% | 6,318 |
| Net interest margin | 4.0071% | 2,478 |
| Noninterest income to average assets | 1.0662% | 1,331 |
| Noninterest expense to average assets | 3.0600% | 3,018 |
| Loan and lease loss provision to assets | 0.1887% | 3,233 |
| Net operating income to assets | 1.3192% | 1,396 |
| Return on assets (ROA) | 1.3139% | 1,547 |
| Pretax return on assets | 1.3139% | 2,543 |
| Return on Equity (ROE) | 9.9850% | 2,356 |
| Retained earnings to average equity (ytd only) | -0.2270% | 6,124 |
| Net charge-offs to loans | 0.3397% | 2,755 |
| Credit loss provision to net charge-offs | 99.5169% | 3,019 |
| Earnings coverage of net charge-offs (x) | 7.9507% | 2,523 |
| Efficiency ratio | 65.6544% | 4,514 |
| Assets per employee ($millions) | 4.6172% | 2,724 |
| Cash dividends to net income (ytd only)* | 102.2734% | 310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1019% | 1,902 |
| Loan loss allowance to noncurrent loans | 80.5050% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 2.1034% | 2,536 |
| Noncurrent loans to loans | 2.6108% | 2,184 |
| Net loans and leases to total assets | 53.9439% | 4,756 |
| Net loans and leases to deposits | 65.0864% | 4,580 |
| Net loans and leases to core deposits | 66.0653% | 4,944 |
| Total domestic deposits to total assets | 82.8805% | 4,684 |
| Equity capital to assets | 13.4220% | 1,383 |
| Core capital (leverage) ratio | 8.8545% | 5,261 |
| Tier 1 risk-based capital ratio | 13.1909% | 5,102 |
| Total risk-based capital ratio | 14.4365% | 5,069 |
| Memoranda: | ||
| Average total assets | $1,455,171,250 | 461 |
| Average earning assets | $1,271,646,750 | 477 |
| Average equity | $191,482,750 | 388 |
| Average total loans | $812,349,000 | 502 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 3,775 |
| Cost of funding earning assets | 0.3912% | 6,318 |
| Net interest margin | 4.1065% | 2,063 |
| Noninterest income to average assets | 0.9206% | 1,710 |
| Noninterest expense to average assets | 3.0643% | 3,036 |
| Loan and lease loss provision to assets | 0.2284% | 2,793 |
| Net operating income to assets | 1.2154% | 1,658 |
| Return on assets (ROA) | 1.2067% | 1,885 |
| Pretax return on assets | 1.2034% | 2,911 |
| Return on Equity (ROE) | 9.2321% | 2,698 |
| Retained earnings to average equity (ytd only) | -4.4392% | 6,584 |
| Net charge-offs to loans | 0.4193% | 2,353 |
| Credit loss provision to net charge-offs | 97.1328% | 2,855 |
| Earnings coverage of net charge-offs (x) | 6.1270% | 2,692 |
| Efficiency ratio | 66.6534% | 4,393 |
| Assets per employee ($millions) | 4.5240% | 2,857 |
| Cash dividends to net income (ytd only)* | 148.0848% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 2,100 |
| Loan loss allowance to noncurrent loans | 74.0176% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 2.3816% | 2,344 |
| Noncurrent loans to loans | 2.7764% | 2,161 |
| Net loans and leases to total assets | 56.0295% | 4,464 |
| Net loans and leases to deposits | 67.0652% | 4,353 |
| Net loans and leases to core deposits | 68.1088% | 4,772 |
| Total domestic deposits to total assets | 83.5449% | 4,511 |
| Equity capital to assets | 13.2317% | 1,419 |
| Core capital (leverage) ratio | 8.6084% | 5,505 |
| Tier 1 risk-based capital ratio | 12.2247% | 5,772 |
| Total risk-based capital ratio | 13.4291% | 5,790 |
| Memoranda: | ||
| Average total assets | $1,453,884,000 | 461 |
| Average earning assets | $1,268,949,000 | 483 |
| Average equity | $190,033,000 | 386 |
| Average total loans | $815,146,000 | 501 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 4,051 |
| Cost of funding earning assets | 0.4189% | 6,319 |
| Net interest margin | 4.0461% | 2,314 |
| Noninterest income to average assets | 0.9141% | 1,688 |
| Noninterest expense to average assets | 3.0772% | 2,994 |
| Loan and lease loss provision to assets | 0.2077% | 2,873 |
| Net operating income to assets | 1.1685% | 1,833 |
| Return on assets (ROA) | 1.1726% | 2,000 |
| Pretax return on assets | 1.1597% | 3,070 |
| Return on Equity (ROE) | 9.0255% | 2,817 |
| Retained earnings to average equity (ytd only) | -13.3122% | 6,939 |
| Net charge-offs to loans | 0.2516% | 2,663 |
| Credit loss provision to net charge-offs | 148.7280% | 1,681 |
| Earnings coverage of net charge-offs (x) | 9.7632% | 1,811 |
| Efficiency ratio | 67.9385% | 4,186 |
| Assets per employee ($millions) | 4.6553% | 2,724 |
| Cash dividends to net income (ytd only)* | 247.4948% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1474% | 1,994 |
| Loan loss allowance to noncurrent loans | 84.2889% | 3,534 |
| Noncurrent assets plus other real estate owned to assets | 2.3254% | 2,557 |
| Noncurrent loans to loans | 2.5477% | 2,557 |
| Net loans and leases to total assets | 54.1745% | 4,689 |
| Net loans and leases to deposits | 64.6469% | 4,549 |
| Net loans and leases to core deposits | 65.6594% | 4,956 |
| Total domestic deposits to total assets | 83.8006% | 4,591 |
| Equity capital to assets | 13.0015% | 1,447 |
| Core capital (leverage) ratio | 8.4051% | 5,733 |
| Tier 1 risk-based capital ratio | 11.7063% | 6,152 |
| Total risk-based capital ratio | 12.8686% | 6,187 |
| Memoranda: | ||
| Average total assets | $1,463,776,500 | 457 |
| Average earning assets | $1,275,800,000 | 475 |
| Average equity | $190,172,000 | 380 |
| Average total loans | $812,530,000 | 498 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7912% | 3,853 |
| Cost of funding earning assets | 0.5778% | 6,201 |
| Net interest margin | 4.2134% | 2,014 |
| Noninterest income to average assets | 0.9083% | 1,647 |
| Noninterest expense to average assets | 3.1937% | 2,890 |
| Loan and lease loss provision to assets | 0.3702% | 2,768 |
| Net operating income to assets | 0.8984% | 2,611 |
| Return on assets (ROA) | 0.9238% | 2,630 |
| Pretax return on assets | 1.0295% | 3,123 |
| Return on Equity (ROE) | 7.0028% | 3,407 |
| Retained earnings to average equity (ytd only) | 1.1789% | 5,300 |
| Net charge-offs to loans | 0.6355% | 2,553 |
| Credit loss provision to net charge-offs | 98.9876% | 3,623 |
| Earnings coverage of net charge-offs (x) | 3.6676% | 3,431 |
| Efficiency ratio | 68.6737% | 4,214 |
| Assets per employee ($millions) | 4.5129% | 2,886 |
| Cash dividends to net income (ytd only)* | 83.1658% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0767% | 2,072 |
| Loan loss allowance to noncurrent loans | 85.6961% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 2.4851% | 2,447 |
| Noncurrent loans to loans | 2.4233% | 2,708 |
| Net loans and leases to total assets | 55.1812% | 4,858 |
| Net loans and leases to deposits | 66.5061% | 4,668 |
| Net loans and leases to core deposits | 67.4999% | 5,090 |
| Total domestic deposits to total assets | 82.9715% | 4,760 |
| Equity capital to assets | 13.1138% | 1,434 |
| Core capital (leverage) ratio | 8.8433% | 5,030 |
| Tier 1 risk-based capital ratio | 13.0677% | 5,010 |
| Total risk-based capital ratio | 14.3252% | 4,979 |
| Memoranda: | ||
| Average total assets | $1,399,902,600 | 474 |
| Average earning assets | $1,214,997,600 | 489 |
| Average equity | $184,668,800 | 380 |
| Average total loans | $823,765,200 | 505 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 3,950 |
| Cost of funding earning assets | 0.6108% | 6,239 |
| Net interest margin | 4.2077% | 2,067 |
| Noninterest income to average assets | 0.8966% | 1,665 |
| Noninterest expense to average assets | 3.2614% | 2,631 |
| Loan and lease loss provision to assets | 0.4203% | 2,366 |
| Net operating income to assets | 0.7300% | 3,463 |
| Return on assets (ROA) | 0.7617% | 3,492 |
| Pretax return on assets | 0.9038% | 3,745 |
| Return on Equity (ROE) | 5.7655% | 4,134 |
| Retained earnings to average equity (ytd only) | -1.0920% | 6,169 |
| Net charge-offs to loans | 0.7580% | 2,050 |
| Credit loss provision to net charge-offs | 93.2142% | 3,659 |
| Earnings coverage of net charge-offs (x) | 2.8526% | 3,717 |
| Efficiency ratio | 70.4176% | 3,876 |
| Assets per employee ($millions) | 4.3141% | 3,250 |
| Cash dividends to net income (ytd only)* | 118.9396% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0508% | 2,204 |
| Loan loss allowance to noncurrent loans | 80.6547% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 2.6454% | 2,447 |
| Noncurrent loans to loans | 2.5427% | 2,727 |
| Net loans and leases to total assets | 56.8321% | 4,708 |
| Net loans and leases to deposits | 68.6555% | 4,491 |
| Net loans and leases to core deposits | 69.7395% | 4,980 |
| Total domestic deposits to total assets | 82.7786% | 4,764 |
| Equity capital to assets | 13.3769% | 1,423 |
| Core capital (leverage) ratio | 8.6631% | 5,470 |
| Tier 1 risk-based capital ratio | 12.8464% | 5,207 |
| Total risk-based capital ratio | 14.1039% | 5,178 |
| Memoranda: | ||
| Average total assets | $1,389,975,500 | 481 |
| Average earning assets | $1,206,104,500 | 496 |
| Average equity | $183,639,000 | 388 |
| Average total loans | $826,896,250 | 507 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8047% | 4,085 |
| Cost of funding earning assets | 0.6008% | 6,464 |
| Net interest margin | 4.2039% | 2,020 |
| Noninterest income to average assets | 0.9294% | 1,538 |
| Noninterest expense to average assets | 3.3947% | 2,276 |
| Loan and lease loss provision to assets | 0.4822% | 2,048 |
| Net operating income to assets | 0.7047% | 3,524 |
| Return on assets (ROA) | 0.7143% | 3,586 |
| Pretax return on assets | 0.7184% | 4,322 |
| Return on Equity (ROE) | 5.5185% | 4,207 |
| Retained earnings to average equity (ytd only) | -5.7599% | 6,636 |
| Net charge-offs to loans | 0.9190% | 1,693 |
| Credit loss provision to net charge-offs | 86.6918% | 3,564 |
| Earnings coverage of net charge-offs (x) | 2.1409% | 3,773 |
| Efficiency ratio | 73.4229% | 3,479 |
| Assets per employee ($millions) | 4.3047% | 3,162 |
| Cash dividends to net income (ytd only)* | 204.3744% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0868% | 2,141 |
| Loan loss allowance to noncurrent loans | 86.6507% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 2.8052% | 2,389 |
| Noncurrent loans to loans | 2.4082% | 2,982 |
| Net loans and leases to total assets | 57.7982% | 4,670 |
| Net loans and leases to deposits | 68.8339% | 4,586 |
| Net loans and leases to core deposits | 69.9194% | 5,083 |
| Total domestic deposits to total assets | 83.9676% | 4,367 |
| Equity capital to assets | 12.9795% | 1,528 |
| Core capital (leverage) ratio | 8.3529% | 5,781 |
| Tier 1 risk-based capital ratio | 11.9845% | 5,801 |
| Total risk-based capital ratio | 13.2420% | 5,763 |
| Memoranda: | ||
| Average total assets | $1,145,678,000 | 579 |
| Average earning assets | $996,366,670 | 602 |
| Average equity | $148,302,000 | 478 |
| Average total loans | $693,343,000 | 610 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7225% | 4,412 |
| Cost of funding earning assets | 0.6350% | 6,451 |
| Net interest margin | 4.0875% | 2,315 |
| Noninterest income to average assets | 0.8635% | 1,800 |
| Noninterest expense to average assets | 3.2978% | 2,561 |
| Loan and lease loss provision to assets | 0.3969% | 2,209 |
| Net operating income to assets | 0.7292% | 3,387 |
| Return on assets (ROA) | 0.7452% | 3,366 |
| Pretax return on assets | 0.7463% | 4,114 |
| Return on Equity (ROE) | 5.7648% | 4,036 |
| Retained earnings to average equity (ytd only) | -14.9803% | 7,045 |
| Net charge-offs to loans | 0.7014% | 1,814 |
| Credit loss provision to net charge-offs | 92.3639% | 2,895 |
| Earnings coverage of net charge-offs (x) | 2.6231% | 3,032 |
| Efficiency ratio | 73.8976% | 3,532 |
| Assets per employee ($millions) | 4.2503% | 3,343 |
| Cash dividends to net income (ytd only)* | 359.8595% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0803% | 2,223 |
| Loan loss allowance to noncurrent loans | 68.5325% | 3,986 |
| Noncurrent assets plus other real estate owned to assets | 3.0269% | 2,284 |
| Noncurrent loans to loans | 3.0355% | 2,476 |
| Net loans and leases to total assets | 60.0980% | 4,241 |
| Net loans and leases to deposits | 71.4621% | 4,139 |
| Net loans and leases to core deposits | 72.4464% | 4,735 |
| Total domestic deposits to total assets | 84.0978% | 4,454 |
| Equity capital to assets | 12.8776% | 1,437 |
| Core capital (leverage) ratio | 8.2126% | 5,957 |
| Tier 1 risk-based capital ratio | 11.6389% | 5,993 |
| Total risk-based capital ratio | 12.8965% | 5,974 |
| Memoranda: | ||
| Average total assets | $1,145,985,500 | 586 |
| Average earning assets | $998,461,000 | 604 |
| Average equity | $148,141,000 | 477 |
| Average total loans | $702,049,000 | 611 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0999% | 4,096 |
| Cost of funding earning assets | 0.8456% | 6,381 |
| Net interest margin | 4.2543% | 1,979 |
| Noninterest income to average assets | 1.0574% | 1,340 |
| Noninterest expense to average assets | 3.2258% | 2,996 |
| Loan and lease loss provision to assets | 0.6590% | 2,502 |
| Net operating income to assets | 0.8283% | 2,679 |
| Return on assets (ROA) | 0.8503% | 2,727 |
| Pretax return on assets | 0.8511% | 3,469 |
| Return on Equity (ROE) | 6.2676% | 3,469 |
| Retained earnings to average equity (ytd only) | -0.7180% | 5,750 |
| Net charge-offs to loans | 0.6232% | 3,162 |
| Credit loss provision to net charge-offs | 160.0000% | 2,182 |
| Earnings coverage of net charge-offs (x) | 3.6128% | 3,278 |
| Efficiency ratio | 67.9781% | 4,569 |
| Assets per employee ($millions) | 4.0045% | 3,781 |
| Cash dividends to net income (ytd only)* | 111.4556% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9906% | 2,328 |
| Loan loss allowance to noncurrent loans | 75.8041% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.8209% | 2,485 |
| Noncurrent loans to loans | 2.6259% | 2,896 |
| Net loans and leases to total assets | 60.5191% | 4,579 |
| Net loans and leases to deposits | 73.2852% | 4,313 |
| Net loans and leases to core deposits | 74.3481% | 4,937 |
| Total domestic deposits to total assets | 82.5803% | 4,980 |
| Equity capital to assets | 13.3161% | 1,250 |
| Core capital (leverage) ratio | 8.6106% | 5,178 |
| Tier 1 risk-based capital ratio | 11.7011% | 5,725 |
| Total risk-based capital ratio | 12.9575% | 5,722 |
| Memoranda: | ||
| Average total assets | $971,144,600 | 683 |
| Average earning assets | $834,656,200 | 730 |
| Average equity | $131,758,000 | 516 |
| Average total loans | $641,821,400 | 687 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1452% | 4,096 |
| Cost of funding earning assets | 0.8901% | 6,434 |
| Net interest margin | 4.2550% | 2,014 |
| Noninterest income to average assets | 1.0449% | 1,324 |
| Noninterest expense to average assets | 3.2495% | 2,745 |
| Loan and lease loss provision to assets | 0.6565% | 2,327 |
| Net operating income to assets | 0.7898% | 3,044 |
| Return on assets (ROA) | 0.8167% | 3,073 |
| Pretax return on assets | 0.8170% | 3,839 |
| Return on Equity (ROE) | 5.9911% | 3,817 |
| Retained earnings to average equity (ytd only) | -2.8430% | 6,328 |
| Net charge-offs to loans | 0.5476% | 3,114 |
| Credit loss provision to net charge-offs | 178.3703% | 2,065 |
| Earnings coverage of net charge-offs (x) | 3.9302% | 3,252 |
| Efficiency ratio | 68.7368% | 4,325 |
| Assets per employee ($millions) | 3.8535% | 4,137 |
| Cash dividends to net income (ytd only)* | 147.4530% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8843% | 2,531 |
| Loan loss allowance to noncurrent loans | 62.9905% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 3.1785% | 2,261 |
| Noncurrent loans to loans | 2.9915% | 2,670 |
| Net loans and leases to total assets | 64.5498% | 4,007 |
| Net loans and leases to deposits | 78.0491% | 3,816 |
| Net loans and leases to core deposits | 79.2655% | 4,624 |
| Total domestic deposits to total assets | 82.7041% | 4,713 |
| Equity capital to assets | 13.7498% | 1,257 |
| Core capital (leverage) ratio | 8.7203% | 5,151 |
| Tier 1 risk-based capital ratio | 11.2891% | 6,108 |
| Total risk-based capital ratio | 12.5447% | 6,100 |
| Memoranda: | ||
| Average total assets | $964,649,000 | 687 |
| Average earning assets | $827,735,000 | 731 |
| Average equity | $131,503,000 | 509 |
| Average total loans | $648,349,750 | 678 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1417% | 4,237 |
| Cost of funding earning assets | 0.9274% | 6,475 |
| Net interest margin | 4.2143% | 2,112 |
| Noninterest income to average assets | 0.9852% | 1,420 |
| Noninterest expense to average assets | 3.3075% | 2,542 |
| Loan and lease loss provision to assets | 0.8186% | 1,767 |
| Net operating income to assets | 0.4750% | 4,438 |
| Return on assets (ROA) | 0.4750% | 4,593 |
| Pretax return on assets | 0.4754% | 4,984 |
| Return on Equity (ROE) | 3.4943% | 5,020 |
| Retained earnings to average equity (ytd only) | -9.0576% | 6,872 |
| Net charge-offs to loans | 0.5517% | 2,878 |
| Credit loss provision to net charge-offs | 219.2009% | 1,775 |
| Earnings coverage of net charge-offs (x) | 3.4650% | 3,317 |
| Efficiency ratio | 71.4106% | 3,919 |
| Assets per employee ($millions) | 3.5949% | 4,711 |
| Cash dividends to net income (ytd only)* | 359.2059% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8410% | 2,596 |
| Loan loss allowance to noncurrent loans | 56.3383% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 3.3650% | 2,088 |
| Noncurrent loans to loans | 3.2677% | 2,456 |
| Net loans and leases to total assets | 67.4395% | 3,512 |
| Net loans and leases to deposits | 81.4849% | 3,341 |
| Net loans and leases to core deposits | 82.6608% | 4,322 |
| Total domestic deposits to total assets | 82.7632% | 4,660 |
| Equity capital to assets | 13.7158% | 1,266 |
| Core capital (leverage) ratio | 8.4196% | 5,543 |
| Tier 1 risk-based capital ratio | 10.6969% | 6,533 |
| Total risk-based capital ratio | 11.9523% | 6,514 |
| Memoranda: | ||
| Average total assets | $965,073,670 | 683 |
| Average earning assets | $828,125,330 | 727 |
| Average equity | $131,183,330 | 509 |
| Average total loans | $653,199,670 | 674 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 3,621 |
| Cost of funding earning assets | 1.0269% | 6,240 |
| Net interest margin | 4.2574% | 1,831 |
| Noninterest income to average assets | 0.9351% | 1,502 |
| Noninterest expense to average assets | 3.3025% | 2,525 |
| Loan and lease loss provision to assets | 0.8344% | 1,518 |
| Net operating income to assets | 0.4467% | 4,630 |
| Return on assets (ROA) | 0.4461% | 4,762 |
| Pretax return on assets | 0.4461% | 5,146 |
| Return on Equity (ROE) | 3.2275% | 5,240 |
| Retained earnings to average equity (ytd only) | -19.0107% | 7,350 |
| Net charge-offs to loans | 0.5601% | 2,401 |
| Credit loss provision to net charge-offs | 209.2050% | 1,784 |
| Earnings coverage of net charge-offs (x) | 3.2120% | 2,980 |
| Efficiency ratio | 71.4199% | 4,043 |
| Assets per employee ($millions) | 3.5637% | 4,902 |
| Cash dividends to net income (ytd only)* | 689.0274% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6081% | 3,401 |
| Loan loss allowance to noncurrent loans | 58.7674% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 3.2677% | 2,194 |
| Noncurrent loans to loans | 2.7364% | 2,915 |
| Net loans and leases to total assets | 71.7506% | 2,513 |
| Net loans and leases to deposits | 87.4165% | 2,331 |
| Net loans and leases to core deposits | 89.1135% | 3,483 |
| Total domestic deposits to total assets | 82.0791% | 5,046 |
| Equity capital to assets | 13.8996% | 1,175 |
| Core capital (leverage) ratio | 8.4005% | 5,556 |
| Tier 1 risk-based capital ratio | 10.3654% | 6,744 |
| Total risk-based capital ratio | 11.6185% | 6,742 |
| Memoranda: | ||
| Average total assets | $719,095,000 | 955 |
| Average earning assets | $616,242,000 | 1,018 |
| Average equity | $99,396,500 | 668 |
| Average total loans | $512,088,000 | 913 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5984% | 3,622 |
| Cost of funding earning assets | 1.2815% | 6,371 |
| Net interest margin | 4.3169% | 1,668 |
| Noninterest income to average assets | 1.0026% | 1,564 |
| Noninterest expense to average assets | 3.3974% | 2,693 |
| Loan and lease loss provision to assets | 0.3532% | 4,683 |
| Net operating income to assets | 0.9789% | 1,911 |
| Return on assets (ROA) | 1.0157% | 1,834 |
| Pretax return on assets | 1.0240% | 2,513 |
| Return on Equity (ROE) | 7.3197% | 2,657 |
| Retained earnings to average equity (ytd only) | -0.3556% | 5,045 |
| Net charge-offs to loans | 0.5410% | 3,629 |
| Credit loss provision to net charge-offs | 90.9576% | 5,970 |
| Earnings coverage of net charge-offs (x) | 3.4511% | 3,337 |
| Efficiency ratio | 71.1076% | 4,428 |
| Assets per employee ($millions) | 3.7549% | 4,382 |
| Cash dividends to net income (ytd only)* | 104.8585% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 4,037 |
| Loan loss allowance to noncurrent loans | 68.7581% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 2.7319% | 2,554 |
| Noncurrent loans to loans | 2.0928% | 3,528 |
| Net loans and leases to total assets | 68.5962% | 3,570 |
| Net loans and leases to deposits | 83.3856% | 3,382 |
| Net loans and leases to core deposits | 90.3866% | 5,082 |
| Total domestic deposits to total assets | 82.2639% | 4,829 |
| Equity capital to assets | 13.7496% | 1,236 |
| Core capital (leverage) ratio | 8.9592% | 4,494 |
| Tier 1 risk-based capital ratio | 10.9004% | 6,008 |
| Total risk-based capital ratio | 12.1513% | 5,988 |
| Memoranda: | ||
| Average total assets | $723,438,800 | 939 |
| Average earning assets | $625,895,600 | 1,000 |
| Average equity | $100,386,200 | 654 |
| Average total loans | $519,224,600 | 920 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8051% | 2,869 |
| Cost of funding earning assets | 1.2888% | 6,588 |
| Net interest margin | 4.5164% | 1,157 |
| Noninterest income to average assets | 1.1662% | 1,157 |
| Noninterest expense to average assets | 3.6783% | 1,874 |
| Loan and lease loss provision to assets | 0.4971% | 3,413 |
| Net operating income to assets | 0.9159% | 2,361 |
| Return on assets (ROA) | 0.9159% | 2,431 |
| Pretax return on assets | 0.9193% | 3,166 |
| Return on Equity (ROE) | 6.5836% | 3,267 |
| Retained earnings to average equity (ytd only) | -4.2193% | 6,139 |
| Net charge-offs to loans | 0.5949% | 2,894 |
| Credit loss provision to net charge-offs | 113.2075% | 4,490 |
| Earnings coverage of net charge-offs (x) | 3.2255% | 3,626 |
| Efficiency ratio | 72.1987% | 4,212 |
| Assets per employee ($millions) | 3.2427% | 5,535 |
| Cash dividends to net income (ytd only)* | 164.0884% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6000% | 2,987 |
| Loan loss allowance to noncurrent loans | 60.2031% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 3.2774% | 2,065 |
| Noncurrent loans to loans | 2.6577% | 2,848 |
| Net loans and leases to total assets | 72.2805% | 2,961 |
| Net loans and leases to deposits | 87.4747% | 3,066 |
| Net loans and leases to core deposits | 93.6981% | 5,047 |
| Total domestic deposits to total assets | 82.6302% | 4,387 |
| Equity capital to assets | 14.0698% | 1,285 |
| Core capital (leverage) ratio | 9.2864% | 4,208 |
| Tier 1 risk-based capital ratio | 10.8701% | 6,088 |
| Total risk-based capital ratio | 12.1223% | 6,042 |
| Memoranda: | ||
| Average total assets | $321,846,250 | 2,116 |
| Average earning assets | $279,953,000 | 2,195 |
| Average equity | $44,777,000 | 1,516 |
| Average total loans | $237,555,750 | 1,999 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8076% | 3,008 |
| Cost of funding earning assets | 1.3334% | 6,694 |
| Net interest margin | 4.4742% | 1,231 |
| Noninterest income to average assets | 1.1677% | 1,151 |
| Noninterest expense to average assets | 3.5087% | 2,312 |
| Loan and lease loss provision to assets | 0.3249% | 3,992 |
| Net operating income to assets | 1.2265% | 1,414 |
| Return on assets (ROA) | 1.2265% | 1,488 |
| Pretax return on assets | 1.2314% | 2,213 |
| Return on Equity (ROE) | 8.8485% | 2,412 |
| Retained earnings to average equity (ytd only) | -6.2814% | 6,489 |
| Net charge-offs to loans | 0.5709% | 2,620 |
| Credit loss provision to net charge-offs | 76.9795% | 5,281 |
| Earnings coverage of net charge-offs (x) | 3.6877% | 3,339 |
| Efficiency ratio | 69.2731% | 4,931 |
| Assets per employee ($millions) | 3.1915% | 5,603 |
| Cash dividends to net income (ytd only)* | 170.9889% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 3,605 |
| Loan loss allowance to noncurrent loans | 46.8648% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 3.4983% | 1,779 |
| Noncurrent loans to loans | 3.0381% | 2,371 |
| Net loans and leases to total assets | 74.5819% | 2,546 |
| Net loans and leases to deposits | 90.6474% | 2,727 |
| Net loans and leases to core deposits | 97.0731% | 4,779 |
| Total domestic deposits to total assets | 82.2769% | 4,580 |
| Equity capital to assets | 13.9829% | 1,316 |
| Core capital (leverage) ratio | 9.3317% | 4,129 |
| Tier 1 risk-based capital ratio | 10.5685% | 6,320 |
| Total risk-based capital ratio | 11.8188% | 6,262 |
| Memoranda: | ||
| Average total assets | $323,199,330 | 2,131 |
| Average earning assets | $281,527,000 | 2,212 |
| Average equity | $44,798,670 | 1,529 |
| Average total loans | $238,930,000 | 2,015 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7970% | 3,321 |
| Cost of funding earning assets | 1.3970% | 6,742 |
| Net interest margin | 4.4000% | 1,338 |
| Noninterest income to average assets | 1.1032% | 1,221 |
| Noninterest expense to average assets | 3.4290% | 2,282 |
| Loan and lease loss provision to assets | 0.3690% | 3,112 |
| Net operating income to assets | 1.1303% | 1,866 |
| Return on assets (ROA) | 1.1303% | 1,989 |
| Pretax return on assets | 1.1401% | 2,829 |
| Return on Equity (ROE) | 8.1899% | 3,061 |
| Retained earnings to average equity (ytd only) | -19.8821% | 7,639 |
| Net charge-offs to loans | 0.0774% | 4,403 |
| Credit loss provision to net charge-offs | 652.1739% | 885 |
| Earnings coverage of net charge-offs (x) | 26.6739% | 1,172 |
| Efficiency ratio | 69.4396% | 4,691 |
| Assets per employee ($millions) | 3.3101% | 5,302 |
| Cash dividends to net income (ytd only)* | 342.7639% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 2,435 |
| Loan loss allowance to noncurrent loans | 54.5803% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 3.3005% | 1,660 |
| Noncurrent loans to loans | 2.9712% | 2,198 |
| Net loans and leases to total assets | 73.4796% | 2,894 |
| Net loans and leases to deposits | 88.1494% | 3,266 |
| Net loans and leases to core deposits | 94.7000% | 5,092 |
| Total domestic deposits to total assets | 83.3580% | 3,972 |
| Equity capital to assets | 13.7450% | 1,445 |
| Core capital (leverage) ratio | 8.8712% | 4,892 |
| Tier 1 risk-based capital ratio | 10.3373% | 6,558 |
| Total risk-based capital ratio | 11.5899% | 6,476 |
| Memoranda: | ||
| Average total assets | $325,222,000 | 2,135 |
| Average earning assets | $283,457,500 | 2,222 |
| Average equity | $44,884,500 | 1,531 |
| Average total loans | $237,660,500 | 2,042 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0160% | 5,479 |
| Cost of funding earning assets | 1.8931% | 6,744 |
| Net interest margin | 4.1229% | 2,610 |
| Noninterest income to average assets | 1.0285% | 1,494 |
| Noninterest expense to average assets | 3.1863% | 3,389 |
| Loan and lease loss provision to assets | 0.2981% | 3,994 |
| Net operating income to assets | 1.1724% | 1,869 |
| Return on assets (ROA) | 1.1724% | 1,796 |
| Pretax return on assets | 1.1724% | 2,755 |
| Return on Equity (ROE) | 9.2708% | 2,539 |
| Retained earnings to average equity (ytd only) | -1.7821% | 5,811 |
| Net charge-offs to loans | 0.1751% | 4,446 |
| Credit loss provision to net charge-offs | 239.2252% | 1,968 |
| Earnings coverage of net charge-offs (x) | 11.8015% | 2,329 |
| Efficiency ratio | 68.4224% | 4,653 |
| Assets per employee ($millions) | 3.2615% | 5,311 |
| Cash dividends to net income (ytd only)* | 119.2229% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 2,620 |
| Loan loss allowance to noncurrent loans | 53.9790% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 2.9302% | 1,580 |
| Noncurrent loans to loans | 2.7986% | 1,940 |
| Net loans and leases to total assets | 70.4536% | 3,912 |
| Net loans and leases to deposits | 84.3229% | 4,380 |
| Net loans and leases to core deposits | 90.3090% | 5,781 |
| Total domestic deposits to total assets | 83.5522% | 3,553 |
| Equity capital to assets | 13.8549% | 1,477 |
| Core capital (leverage) ratio | 9.4588% | 4,073 |
| Tier 1 risk-based capital ratio | 11.0962% | 5,645 |
| Total risk-based capital ratio | 12.3476% | 5,525 |
| Memoranda: | ||
| Average total assets | $331,455,400 | 2,017 |
| Average earning assets | $291,688,000 | 2,098 |
| Average equity | $41,916,600 | 1,596 |
| Average total loans | $235,839,600 | 2,003 |