Home > Glens Falls National Bank and Trust Company > Performance and Condition Ratios
Glens Falls National Bank and Trust Company, 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 | 4.1530% | 3,717 |
| Cost of funding earning assets | 1.3920% | 2,249 |
| Net interest margin | 2.7609% | 3,731 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 2.4088% | 2,565 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.8322% | 2,772 |
| Return on assets (ROA) | 0.8953% | 2,537 |
| Pretax return on assets | 1.1283% | 2,324 |
| Return on Equity (ROE) | 10.3800% | 2,387 |
| Retained earnings to average equity (ytd only) | 1.7513% | 3,643 |
| Net charge-offs to loans | 0.0805% | 1,055 |
| Credit loss provision to net charge-offs | 99.6800% | 1,858 |
| Earnings coverage of net charge-offs (x) | 19.0251% | 1,912 |
| Efficiency ratio | 68.3721% | 2,065 |
| Assets per employee ($millions) | 6.8219% | 2,191 |
| Cash dividends to net income (ytd only)* | 83.1313% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9261% | 3,626 |
| Loan loss allowance to noncurrent loans | 111.2423% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.6025% | 915 |
| Noncurrent loans to loans | 0.8325% | 924 |
| Net loans and leases to total assets | 71.7000% | 1,619 |
| Net loans and leases to deposits | 79.9778% | 2,111 |
| Net loans and leases to core deposits | 87.3959% | 2,217 |
| Total domestic deposits to total assets | 89.6500% | 858 |
| Equity capital to assets | 8.8166% | 2,806 |
| Core capital (leverage) ratio | 9.1612% | 3,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2549% | 1,779 |
| Memoranda: | ||
| Average total assets | $3,224,444,400 | 372 |
| Average earning assets | $3,036,028,400 | 357 |
| Average equity | $278,075,000 | 420 |
| Average total loans | $2,330,022,200 | 362 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,764 |
| Cost of funding earning assets | 1.2642% | 2,241 |
| Net interest margin | 2.7831% | 3,751 |
| Noninterest income to average assets | 0.9200% | 732 |
| Noninterest expense to average assets | 2.3997% | 2,517 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.8422% | 2,889 |
| Return on assets (ROA) | 0.8422% | 2,873 |
| Pretax return on assets | 1.0663% | 2,669 |
| Return on Equity (ROE) | 9.8200% | 2,692 |
| Retained earnings to average equity (ytd only) | 2.2946% | 3,667 |
| Net charge-offs to loans | 0.0864% | 871 |
| Credit loss provision to net charge-offs | 119.0824% | 1,489 |
| Earnings coverage of net charge-offs (x) | 18.2699% | 1,868 |
| Efficiency ratio | 67.6273% | 2,057 |
| Assets per employee ($millions) | 7.1439% | 1,851 |
| Cash dividends to net income (ytd only)* | 76.6364% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 3,568 |
| Loan loss allowance to noncurrent loans | 479.5170% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,598 |
| Noncurrent loans to loans | 0.1976% | 2,565 |
| Net loans and leases to total assets | 70.4400% | 1,775 |
| Net loans and leases to deposits | 80.5395% | 2,001 |
| Net loans and leases to core deposits | 82.5200% | 2,435 |
| Total domestic deposits to total assets | 87.4700% | 1,752 |
| Equity capital to assets | 8.3013% | 2,855 |
| Core capital (leverage) ratio | 9.2837% | 3,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4938% | 1,717 |
| Memoranda: | ||
| Average total assets | $3,211,928,750 | 375 |
| Average earning assets | $3,026,942,250 | 362 |
| Average equity | $275,418,750 | 422 |
| Average total loans | $2,320,090,750 | 365 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 3,732 |
| Cost of funding earning assets | 1.1041% | 2,268 |
| Net interest margin | 2.8750% | 3,690 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.3959% | 2,499 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.8537% | 2,912 |
| Return on assets (ROA) | 0.8537% | 2,915 |
| Pretax return on assets | 1.0918% | 2,670 |
| Return on Equity (ROE) | 9.8500% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.1432% | 3,438 |
| Net charge-offs to loans | 0.1020% | 673 |
| Credit loss provision to net charge-offs | 144.0204% | 1,218 |
| Earnings coverage of net charge-offs (x) | 16.1756% | 1,837 |
| Efficiency ratio | 66.5006% | 2,175 |
| Assets per employee ($millions) | 7.0570% | 1,883 |
| Cash dividends to net income (ytd only)* | 68.0801% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 3,543 |
| Loan loss allowance to noncurrent loans | 443.0599% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 2,404 |
| Noncurrent loans to loans | 0.2184% | 2,394 |
| Net loans and leases to total assets | 72.4400% | 1,473 |
| Net loans and leases to deposits | 83.6444% | 1,703 |
| Net loans and leases to core deposits | 85.3187% | 2,125 |
| Total domestic deposits to total assets | 86.6000% | 2,057 |
| Equity capital to assets | 8.7424% | 2,695 |
| Core capital (leverage) ratio | 9.2220% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5850% | 1,705 |
| Memoranda: | ||
| Average total assets | $3,182,410,333 | 369 |
| Average earning assets | $3,001,065,667 | 355 |
| Average equity | $275,897,333 | 414 |
| Average total loans | $2,311,035,000 | 355 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 3,866 |
| Cost of funding earning assets | 0.7994% | 2,741 |
| Net interest margin | 2.9935% | 3,616 |
| Noninterest income to average assets | 0.8700% | 729 |
| Noninterest expense to average assets | 2.3292% | 2,731 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.9545% | 2,671 |
| Return on assets (ROA) | 0.9545% | 2,635 |
| Pretax return on assets | 1.2229% | 2,371 |
| Return on Equity (ROE) | 11.0600% | 2,475 |
| Retained earnings to average equity (ytd only) | 3.7145% | 3,344 |
| Net charge-offs to loans | 0.1123% | 559 |
| Credit loss provision to net charge-offs | 173.4158% | 886 |
| Earnings coverage of net charge-offs (x) | 16.7883% | 1,512 |
| Efficiency ratio | 62.9178% | 2,580 |
| Assets per employee ($millions) | 6.9965% | 1,985 |
| Cash dividends to net income (ytd only)* | 66.4036% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 3,628 |
| Loan loss allowance to noncurrent loans | 238.1650% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2901% | 1,709 |
| Noncurrent loans to loans | 0.4084% | 1,708 |
| Net loans and leases to total assets | 70.3400% | 1,586 |
| Net loans and leases to deposits | 80.1717% | 1,805 |
| Net loans and leases to core deposits | 81.5432% | 2,144 |
| Total domestic deposits to total assets | 87.7400% | 2,012 |
| Equity capital to assets | 8.5805% | 2,831 |
| Core capital (leverage) ratio | 9.3170% | 3,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4378% | 1,812 |
| Memoranda: | ||
| Average total assets | $3,185,789,000 | 381 |
| Average earning assets | $3,006,906,500 | 366 |
| Average equity | $275,032,000 | 423 |
| Average total loans | $2,305,120,000 | 365 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2985% | 3,587 |
| Cost of funding earning assets | 0.2708% | 3,148 |
| Net interest margin | 3.0277% | 3,371 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 2.2147% | 2,990 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.1442% | 1,994 |
| Return on assets (ROA) | 1.1442% | 1,938 |
| Pretax return on assets | 1.4695% | 1,540 |
| Return on Equity (ROE) | 13.2000% | 1,740 |
| Retained earnings to average equity (ytd only) | 6.2699% | 2,546 |
| Net charge-offs to loans | 0.0587% | 1,064 |
| Credit loss provision to net charge-offs | 290.0929% | 924 |
| Earnings coverage of net charge-offs (x) | 39.3669% | 1,514 |
| Efficiency ratio | 58.1070% | 3,326 |
| Assets per employee ($millions) | 6.8837% | 2,059 |
| Cash dividends to net income (ytd only)* | 52.5105% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,592 |
| Loan loss allowance to noncurrent loans | 216.7769% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 1,560 |
| Noncurrent loans to loans | 0.4395% | 1,607 |
| Net loans and leases to total assets | 73.0300% | 1,311 |
| Net loans and leases to deposits | 81.7213% | 1,640 |
| Net loans and leases to core deposits | 82.4929% | 1,969 |
| Total domestic deposits to total assets | 89.3600% | 1,619 |
| Equity capital to assets | 8.6877% | 2,572 |
| Core capital (leverage) ratio | 9.0386% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2761% | 1,862 |
| Memoranda: | ||
| Average total assets | $3,206,172,000 | 372 |
| Average earning assets | $3,024,243,400 | 357 |
| Average equity | $277,868,400 | 404 |
| Average total loans | $2,199,184,200 | 351 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1500% | 3,557 |
| Cost of funding earning assets | 0.1819% | 3,496 |
| Net interest margin | 2.9681% | 3,300 |
| Noninterest income to average assets | 0.9500% | 743 |
| Noninterest expense to average assets | 2.1837% | 2,978 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.1333% | 1,963 |
| Return on assets (ROA) | 1.1333% | 1,930 |
| Pretax return on assets | 1.4566% | 1,533 |
| Return on Equity (ROE) | 13.0800% | 1,673 |
| Retained earnings to average equity (ytd only) | 5.8970% | 2,785 |
| Net charge-offs to loans | 0.0466% | 1,018 |
| Credit loss provision to net charge-offs | 366.0526% | 736 |
| Earnings coverage of net charge-offs (x) | 50.0382% | 1,285 |
| Efficiency ratio | 57.9910% | 3,385 |
| Assets per employee ($millions) | 7.6044% | 1,549 |
| Cash dividends to net income (ytd only)* | 54.9300% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,745 |
| Loan loss allowance to noncurrent loans | 276.3807% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 2,054 |
| Noncurrent loans to loans | 0.3398% | 2,012 |
| Net loans and leases to total assets | 68.3000% | 1,643 |
| Net loans and leases to deposits | 75.8060% | 1,890 |
| Net loans and leases to core deposits | 76.5324% | 2,161 |
| Total domestic deposits to total assets | 90.1000% | 1,612 |
| Equity capital to assets | 8.0458% | 2,865 |
| Core capital (leverage) ratio | 9.0536% | 3,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0867% | 2,028 |
| Memoranda: | ||
| Average total assets | $3,226,420,000 | 369 |
| Average earning assets | $3,044,114,000 | 356 |
| Average equity | $279,458,750 | 406 |
| Average total loans | $2,172,914,000 | 352 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0498% | 3,432 |
| Cost of funding earning assets | 0.1165% | 4,004 |
| Net interest margin | 2.9333% | 3,078 |
| Noninterest income to average assets | 0.9615% | 727 |
| Noninterest expense to average assets | 2.1374% | 3,035 |
| Loan and lease loss provision to assets | 0.0890% | 1,105 |
| Net operating income to assets | 1.1671% | 1,550 |
| Return on assets (ROA) | 1.1671% | 1,520 |
| Pretax return on assets | 1.5062% | 1,148 |
| Return on Equity (ROE) | 13.1505% | 1,343 |
| Retained earnings to average equity (ytd only) | 5.5417% | 2,495 |
| Net charge-offs to loans | 0.0442% | 945 |
| Credit loss provision to net charge-offs | 301.0593% | 798 |
| Earnings coverage of net charge-offs (x) | 53.9746% | 1,127 |
| Efficiency ratio | 57.1000% | 3,673 |
| Assets per employee ($millions) | 6.9631% | 1,964 |
| Cash dividends to net income (ytd only)* | 57.8594% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 3,907 |
| Loan loss allowance to noncurrent loans | 253.6095% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2579% | 2,019 |
| Noncurrent loans to loans | 0.3617% | 2,061 |
| Net loans and leases to total assets | 70.6402% | 1,241 |
| Net loans and leases to deposits | 78.9684% | 1,472 |
| Net loans and leases to core deposits | 79.6795% | 1,736 |
| Total domestic deposits to total assets | 89.4538% | 1,973 |
| Equity capital to assets | 8.8841% | 2,464 |
| Core capital (leverage) ratio | 8.9386% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0932% | 2,021 |
| Memoranda: | ||
| Average total assets | $3,194,184,333 | 367 |
| Average earning assets | $3,017,537,000 | 356 |
| Average equity | $283,488,000 | 403 |
| Average total loans | $2,133,507,333 | 349 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9129% | 3,500 |
| Cost of funding earning assets | 0.0933% | 4,222 |
| Net interest margin | 2.8197% | 3,079 |
| Noninterest income to average assets | 0.9605% | 737 |
| Noninterest expense to average assets | 2.0456% | 3,314 |
| Loan and lease loss provision to assets | 0.0554% | 1,391 |
| Net operating income to assets | 1.1855% | 1,282 |
| Return on assets (ROA) | 1.1855% | 1,281 |
| Pretax return on assets | 1.5309% | 960 |
| Return on Equity (ROE) | 13.3638% | 965 |
| Retained earnings to average equity (ytd only) | 4.8010% | 2,664 |
| Net charge-offs to loans | 0.0407% | 875 |
| Credit loss provision to net charge-offs | 210.8491% | 760 |
| Earnings coverage of net charge-offs (x) | 60.3868% | 853 |
| Efficiency ratio | 56.1549% | 3,866 |
| Assets per employee ($millions) | 7.2539% | 1,819 |
| Cash dividends to net income (ytd only)* | 64.0744% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 3,956 |
| Loan loss allowance to noncurrent loans | 302.6380% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 2,439 |
| Noncurrent loans to loans | 0.3076% | 2,356 |
| Net loans and leases to total assets | 63.9053% | 1,633 |
| Net loans and leases to deposits | 71.0073% | 1,867 |
| Net loans and leases to core deposits | 71.4918% | 2,154 |
| Total domestic deposits to total assets | 89.9982% | 1,564 |
| Equity capital to assets | 8.5231% | 3,138 |
| Core capital (leverage) ratio | 8.7381% | 3,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6179% | 1,945 |
| Memoranda: | ||
| Average total assets | $3,228,064,000 | 364 |
| Average earning assets | $3,058,350,000 | 355 |
| Average equity | $286,355,000 | 412 |
| Average total loans | $2,085,781,000 | 353 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0339% | 3,810 |
| Cost of funding earning assets | 0.1142% | 4,277 |
| Net interest margin | 2.9197% | 3,396 |
| Noninterest income to average assets | 1.0189% | 964 |
| Noninterest expense to average assets | 2.2247% | 3,000 |
| Loan and lease loss provision to assets | -0.0071% | 4,155 |
| Net operating income to assets | 1.2177% | 1,867 |
| Return on assets (ROA) | 1.2177% | 1,912 |
| Pretax return on assets | 1.5672% | 1,513 |
| Return on Equity (ROE) | 13.3675% | 1,351 |
| Retained earnings to average equity (ytd only) | 7.6581% | 1,675 |
| Net charge-offs to loans | 0.0370% | 1,509 |
| Credit loss provision to net charge-offs | -29.2000% | 3,207 |
| Earnings coverage of net charge-offs (x) | 63.9693% | 1,134 |
| Efficiency ratio | 58.5990% | 3,349 |
| Assets per employee ($millions) | 6.8766% | 2,012 |
| Cash dividends to net income (ytd only)* | 42.7110% | 1,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 3,932 |
| Loan loss allowance to noncurrent loans | 257.8286% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 2,364 |
| Noncurrent loans to loans | 0.3685% | 2,263 |
| Net loans and leases to total assets | 64.1111% | 1,689 |
| Net loans and leases to deposits | 72.4703% | 1,867 |
| Net loans and leases to core deposits | 73.3678% | 2,126 |
| Total domestic deposits to total assets | 88.4655% | 1,801 |
| Equity capital to assets | 9.2312% | 3,389 |
| Core capital (leverage) ratio | 8.6152% | 3,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1247% | 1,805 |
| Memoranda: | ||
| Average total assets | $3,075,265,800 | 365 |
| Average earning assets | $2,913,215,600 | 357 |
| Average equity | $280,135,200 | 412 |
| Average total loans | $2,025,528,800 | 360 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0793% | 3,856 |
| Cost of funding earning assets | 0.1196% | 4,356 |
| Net interest margin | 2.9597% | 3,417 |
| Noninterest income to average assets | 1.0283% | 1,020 |
| Noninterest expense to average assets | 2.1848% | 3,117 |
| Loan and lease loss provision to assets | -0.0311% | 4,397 |
| Net operating income to assets | 1.3061% | 1,809 |
| Return on assets (ROA) | 1.3061% | 1,865 |
| Pretax return on assets | 1.6774% | 1,466 |
| Return on Equity (ROE) | 14.3881% | 1,288 |
| Retained earnings to average equity (ytd only) | 8.9492% | 1,717 |
| Net charge-offs to loans | 0.0412% | 1,270 |
| Credit loss provision to net charge-offs | -114.1026% | 3,248 |
| Earnings coverage of net charge-offs (x) | 60.3814% | 1,135 |
| Efficiency ratio | 56.8486% | 3,435 |
| Assets per employee ($millions) | 7.0225% | 1,855 |
| Cash dividends to net income (ytd only)* | 37.8015% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,032 |
| Loan loss allowance to noncurrent loans | 264.4822% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 2,644 |
| Noncurrent loans to loans | 0.3555% | 2,502 |
| Net loans and leases to total assets | 62.5233% | 1,942 |
| Net loans and leases to deposits | 70.3408% | 2,201 |
| Net loans and leases to core deposits | 70.9349% | 2,517 |
| Total domestic deposits to total assets | 88.8863% | 1,349 |
| Equity capital to assets | 8.8587% | 3,954 |
| Core capital (leverage) ratio | 8.9356% | 3,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2368% | 1,885 |
| Memoranda: | ||
| Average total assets | $3,051,558,250 | 371 |
| Average earning assets | $2,889,802,250 | 363 |
| Average equity | $277,009,500 | 419 |
| Average total loans | $2,018,940,500 | 363 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0987% | 3,870 |
| Cost of funding earning assets | 0.1309% | 4,345 |
| Net interest margin | 2.9679% | 3,401 |
| Noninterest income to average assets | 1.0581% | 979 |
| Noninterest expense to average assets | 2.1914% | 3,120 |
| Loan and lease loss provision to assets | -0.0512% | 4,522 |
| Net operating income to assets | 1.3476% | 1,717 |
| Return on assets (ROA) | 1.3476% | 1,796 |
| Pretax return on assets | 1.7282% | 1,415 |
| Return on Equity (ROE) | 14.7182% | 1,228 |
| Retained earnings to average equity (ytd only) | 9.2470% | 1,636 |
| Net charge-offs to loans | 0.0496% | 1,130 |
| Credit loss provision to net charge-offs | -153.7074% | 3,140 |
| Earnings coverage of net charge-offs (x) | 50.3126% | 1,064 |
| Efficiency ratio | 56.4672% | 3,481 |
| Assets per employee ($millions) | 6.8077% | 1,933 |
| Cash dividends to net income (ytd only)* | 37.1729% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 4,009 |
| Loan loss allowance to noncurrent loans | 477.2558% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1352% | 3,340 |
| Noncurrent loans to loans | 0.1984% | 3,242 |
| Net loans and leases to total assets | 65.8410% | 1,705 |
| Net loans and leases to deposits | 74.4815% | 1,956 |
| Net loans and leases to core deposits | 74.9659% | 2,332 |
| Total domestic deposits to total assets | 88.3992% | 1,622 |
| Equity capital to assets | 9.1958% | 3,602 |
| Core capital (leverage) ratio | 8.8663% | 3,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3058% | 1,866 |
| Memoranda: | ||
| Average total assets | $2,994,294,667 | 377 |
| Average earning assets | $2,835,272,667 | 365 |
| Average equity | $274,163,333 | 419 |
| Average total loans | $2,013,762,333 | 363 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0232% | 4,028 |
| Cost of funding earning assets | 0.1424% | 4,361 |
| Net interest margin | 2.8808% | 3,574 |
| Noninterest income to average assets | 1.0582% | 1,043 |
| Noninterest expense to average assets | 2.1840% | 3,157 |
| Loan and lease loss provision to assets | -0.0920% | 4,710 |
| Net operating income to assets | 1.3585% | 1,665 |
| Return on assets (ROA) | 1.3585% | 1,753 |
| Pretax return on assets | 1.6946% | 1,504 |
| Return on Equity (ROE) | 14.8700% | 1,248 |
| Retained earnings to average equity (ytd only) | 9.4090% | 1,824 |
| Net charge-offs to loans | 0.0735% | 831 |
| Credit loss provision to net charge-offs | -184.8238% | 2,941 |
| Earnings coverage of net charge-offs (x) | 32.2114% | 1,065 |
| Efficiency ratio | 57.4832% | 3,371 |
| Assets per employee ($millions) | 6.7620% | 1,969 |
| Cash dividends to net income (ytd only)* | 36.7246% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 3,996 |
| Loan loss allowance to noncurrent loans | 433.2738% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 3,440 |
| Noncurrent loans to loans | 0.2210% | 3,309 |
| Net loans and leases to total assets | 65.5679% | 1,852 |
| Net loans and leases to deposits | 74.0242% | 2,116 |
| Net loans and leases to core deposits | 74.8340% | 2,442 |
| Total domestic deposits to total assets | 88.5764% | 1,571 |
| Equity capital to assets | 8.9223% | 3,759 |
| Core capital (leverage) ratio | 9.0153% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1760% | 1,850 |
| Memoranda: | ||
| Average total assets | $2,966,515,500 | 376 |
| Average earning assets | $2,809,637,500 | 366 |
| Average equity | $271,016,000 | 416 |
| Average total loans | $2,007,016,000 | 367 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 4,324 |
| Cost of funding earning assets | 0.3346% | 3,951 |
| Net interest margin | 2.9712% | 3,959 |
| Noninterest income to average assets | 1.1124% | 860 |
| Noninterest expense to average assets | 2.2252% | 3,610 |
| Loan and lease loss provision to assets | 0.2362% | 1,644 |
| Net operating income to assets | 1.1484% | 1,731 |
| Return on assets (ROA) | 1.1474% | 1,861 |
| Pretax return on assets | 1.4541% | 1,495 |
| Return on Equity (ROE) | 12.2340% | 1,253 |
| Retained earnings to average equity (ytd only) | 5.6276% | 1,979 |
| Net charge-offs to loans | 0.0550% | 1,999 |
| Credit loss provision to net charge-offs | 614.5267% | 1,087 |
| Earnings coverage of net charge-offs (x) | 44.0066% | 1,310 |
| Efficiency ratio | 56.6027% | 3,905 |
| Assets per employee ($millions) | 6.2524% | 2,119 |
| Cash dividends to net income (ytd only)* | 54.0000% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,322 |
| Loan loss allowance to noncurrent loans | 446.3901% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 3,405 |
| Noncurrent loans to loans | 0.2524% | 3,291 |
| Net loans and leases to total assets | 68.4277% | 1,771 |
| Net loans and leases to deposits | 78.1570% | 2,055 |
| Net loans and leases to core deposits | 80.6894% | 2,301 |
| Total domestic deposits to total assets | 87.5515% | 1,686 |
| Equity capital to assets | 9.3637% | 3,726 |
| Core capital (leverage) ratio | 8.6727% | 4,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1679% | 1,796 |
| Memoranda: | ||
| Average total assets | $2,775,766,000 | 366 |
| Average earning assets | $2,619,958,800 | 357 |
| Average equity | $260,340,200 | 409 |
| Average total loans | $1,938,488,000 | 361 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 4,428 |
| Cost of funding earning assets | 0.3859% | 3,892 |
| Net interest margin | 2.9518% | 4,083 |
| Noninterest income to average assets | 1.0968% | 862 |
| Noninterest expense to average assets | 2.2221% | 3,630 |
| Loan and lease loss provision to assets | 0.2692% | 1,511 |
| Net operating income to assets | 1.1055% | 1,964 |
| Return on assets (ROA) | 1.1055% | 2,088 |
| Pretax return on assets | 1.3889% | 1,771 |
| Return on Equity (ROE) | 11.7823% | 1,434 |
| Retained earnings to average equity (ytd only) | 5.7417% | 2,215 |
| Net charge-offs to loans | 0.0464% | 1,950 |
| Credit loss provision to net charge-offs | 828.1669% | 954 |
| Earnings coverage of net charge-offs (x) | 51.0104% | 1,182 |
| Efficiency ratio | 57.0539% | 3,789 |
| Assets per employee ($millions) | 6.4207% | 1,898 |
| Cash dividends to net income (ytd only)* | 51.2686% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 3,188 |
| Loan loss allowance to noncurrent loans | 446.8199% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1636% | 3,600 |
| Noncurrent loans to loans | 0.2471% | 3,416 |
| Net loans and leases to total assets | 65.4868% | 2,580 |
| Net loans and leases to deposits | 76.0291% | 2,750 |
| Net loans and leases to core deposits | 79.0704% | 2,918 |
| Total domestic deposits to total assets | 86.1338% | 2,013 |
| Equity capital to assets | 8.9307% | 4,162 |
| Core capital (leverage) ratio | 8.8196% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2141% | 1,761 |
| Memoranda: | ||
| Average total assets | $2,752,247,500 | 359 |
| Average earning assets | $2,595,260,250 | 348 |
| Average equity | $258,244,250 | 402 |
| Average total loans | $1,926,573,250 | 361 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 4,429 |
| Cost of funding earning assets | 0.4712% | 3,695 |
| Net interest margin | 3.0135% | 4,095 |
| Noninterest income to average assets | 1.0874% | 841 |
| Noninterest expense to average assets | 2.2869% | 3,555 |
| Loan and lease loss provision to assets | 0.2981% | 1,444 |
| Net operating income to assets | 1.0667% | 2,086 |
| Return on assets (ROA) | 1.0667% | 2,206 |
| Pretax return on assets | 1.3484% | 1,873 |
| Return on Equity (ROE) | 11.1689% | 1,580 |
| Retained earnings to average equity (ytd only) | 4.8318% | 2,554 |
| Net charge-offs to loans | 0.0604% | 1,645 |
| Credit loss provision to net charge-offs | 691.3345% | 1,009 |
| Earnings coverage of net charge-offs (x) | 38.1872% | 1,283 |
| Efficiency ratio | 57.9236% | 3,702 |
| Assets per employee ($millions) | 6.1964% | 2,026 |
| Cash dividends to net income (ytd only)* | 56.7386% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0337% | 3,394 |
| Loan loss allowance to noncurrent loans | 398.2738% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.2015% | 3,533 |
| Noncurrent loans to loans | 0.2595% | 3,454 |
| Net loans and leases to total assets | 68.7969% | 2,215 |
| Net loans and leases to deposits | 81.1217% | 2,300 |
| Net loans and leases to core deposits | 85.4703% | 2,486 |
| Total domestic deposits to total assets | 84.8070% | 2,471 |
| Equity capital to assets | 9.2432% | 3,885 |
| Core capital (leverage) ratio | 8.8947% | 4,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0469% | 1,797 |
| Memoranda: | ||
| Average total assets | $2,676,602,667 | 362 |
| Average earning assets | $2,527,780,667 | 352 |
| Average equity | $255,638,333 | 403 |
| Average total loans | $1,911,181,667 | 360 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6389% | 4,484 |
| Cost of funding earning assets | 0.6208% | 3,326 |
| Net interest margin | 3.0181% | 4,251 |
| Noninterest income to average assets | 1.1597% | 649 |
| Noninterest expense to average assets | 2.3854% | 3,562 |
| Loan and lease loss provision to assets | 0.2936% | 1,056 |
| Net operating income to assets | 1.0571% | 1,981 |
| Return on assets (ROA) | 1.0571% | 2,082 |
| Pretax return on assets | 1.3258% | 1,794 |
| Return on Equity (ROE) | 10.8783% | 1,448 |
| Retained earnings to average equity (ytd only) | 5.1837% | 2,203 |
| Net charge-offs to loans | 0.0575% | 1,433 |
| Credit loss provision to net charge-offs | 704.7970% | 721 |
| Earnings coverage of net charge-offs (x) | 38.8745% | 1,043 |
| Efficiency ratio | 59.3406% | 3,826 |
| Assets per employee ($millions) | 5.6408% | 1,979 |
| Cash dividends to net income (ytd only)* | 52.3484% | 1,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9826% | 3,797 |
| Loan loss allowance to noncurrent loans | 420.1088% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.1967% | 3,703 |
| Noncurrent loans to loans | 0.2339% | 3,653 |
| Net loans and leases to total assets | 70.7343% | 2,128 |
| Net loans and leases to deposits | 84.4655% | 2,171 |
| Net loans and leases to core deposits | 90.6725% | 2,282 |
| Total domestic deposits to total assets | 83.7434% | 2,870 |
| Equity capital to assets | 9.7080% | 4,033 |
| Core capital (leverage) ratio | 9.4381% | 4,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,602,121,000 | 360 |
| Average earning assets | $2,453,042,000 | 346 |
| Average equity | $252,871,500 | 407 |
| Average total loans | $1,884,669,500 | 354 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 4,628 |
| Cost of funding earning assets | 0.7074% | 3,126 |
| Net interest margin | 3.0459% | 4,457 |
| Noninterest income to average assets | 1.0857% | 806 |
| Noninterest expense to average assets | 2.3892% | 3,712 |
| Loan and lease loss provision to assets | 0.0556% | 2,916 |
| Net operating income to assets | 1.1951% | 2,076 |
| Return on assets (ROA) | 1.1951% | 2,174 |
| Pretax return on assets | 1.5032% | 1,802 |
| Return on Equity (ROE) | 12.4608% | 1,338 |
| Retained earnings to average equity (ytd only) | 6.5343% | 1,596 |
| Net charge-offs to loans | 0.0485% | 2,424 |
| Credit loss provision to net charge-offs | 156.5909% | 1,643 |
| Earnings coverage of net charge-offs (x) | 43.9375% | 1,232 |
| Efficiency ratio | 60.2675% | 3,652 |
| Assets per employee ($millions) | 5.5028% | 2,057 |
| Cash dividends to net income (ytd only)* | 47.5612% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8969% | 3,975 |
| Loan loss allowance to noncurrent loans | 424.2089% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 3,672 |
| Noncurrent loans to loans | 0.2114% | 3,705 |
| Net loans and leases to total assets | 72.7906% | 1,953 |
| Net loans and leases to deposits | 90.2313% | 1,563 |
| Net loans and leases to core deposits | 98.6773% | 1,679 |
| Total domestic deposits to total assets | 80.6712% | 3,839 |
| Equity capital to assets | 9.7281% | 4,171 |
| Core capital (leverage) ratio | 9.5071% | 4,055 |
| Tier 1 risk-based capital ratio | 13.5090% | 3,521 |
| Total risk-based capital ratio | 14.4697% | 3,563 |
| Memoranda: | ||
| Average total assets | $2,480,540,000 | 356 |
| Average earning assets | $2,330,990,800 | 349 |
| Average equity | $237,914,800 | 410 |
| Average total loans | $1,812,890,600 | 350 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7473% | 4,732 |
| Cost of funding earning assets | 0.7167% | 3,125 |
| Net interest margin | 3.0305% | 4,586 |
| Noninterest income to average assets | 1.0986% | 759 |
| Noninterest expense to average assets | 2.3972% | 3,691 |
| Loan and lease loss provision to assets | 0.0519% | 2,869 |
| Net operating income to assets | 1.1913% | 2,228 |
| Return on assets (ROA) | 1.1913% | 2,307 |
| Pretax return on assets | 1.4984% | 1,960 |
| Return on Equity (ROE) | 12.4674% | 1,461 |
| Retained earnings to average equity (ytd only) | 6.5108% | 2,115 |
| Net charge-offs to loans | 0.0418% | 2,259 |
| Credit loss provision to net charge-offs | 170.1599% | 1,490 |
| Earnings coverage of net charge-offs (x) | 50.7991% | 1,175 |
| Efficiency ratio | 60.4740% | 3,548 |
| Assets per employee ($millions) | 5.4214% | 2,104 |
| Cash dividends to net income (ytd only)* | 47.7772% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9083% | 4,004 |
| Loan loss allowance to noncurrent loans | 382.6989% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 3,694 |
| Noncurrent loans to loans | 0.2373% | 3,690 |
| Net loans and leases to total assets | 72.4987% | 2,083 |
| Net loans and leases to deposits | 87.0809% | 2,050 |
| Net loans and leases to core deposits | 95.2779% | 2,057 |
| Total domestic deposits to total assets | 83.2544% | 3,077 |
| Equity capital to assets | 9.6181% | 4,369 |
| Core capital (leverage) ratio | 9.5596% | 4,105 |
| Tier 1 risk-based capital ratio | 13.4631% | 3,593 |
| Total risk-based capital ratio | 14.4320% | 3,655 |
| Memoranda: | ||
| Average total assets | $2,459,593,750 | 360 |
| Average earning assets | $2,312,280,750 | 351 |
| Average equity | $235,028,250 | 414 |
| Average total loans | $1,795,243,250 | 356 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 4,807 |
| Cost of funding earning assets | 0.7067% | 3,135 |
| Net interest margin | 3.0149% | 4,660 |
| Noninterest income to average assets | 1.0683% | 749 |
| Noninterest expense to average assets | 2.4190% | 3,691 |
| Loan and lease loss provision to assets | 0.0533% | 2,753 |
| Net operating income to assets | 1.1446% | 2,346 |
| Return on assets (ROA) | 1.1446% | 2,424 |
| Pretax return on assets | 1.4361% | 2,083 |
| Return on Equity (ROE) | 12.0056% | 1,575 |
| Retained earnings to average equity (ytd only) | 5.9809% | 2,290 |
| Net charge-offs to loans | 0.0361% | 2,147 |
| Credit loss provision to net charge-offs | 202.4922% | 1,190 |
| Earnings coverage of net charge-offs (x) | 56.5452% | 1,018 |
| Efficiency ratio | 61.6313% | 3,487 |
| Assets per employee ($millions) | 5.3097% | 2,142 |
| Cash dividends to net income (ytd only)* | 50.1828% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 3,994 |
| Loan loss allowance to noncurrent loans | 341.9836% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 3,564 |
| Noncurrent loans to loans | 0.2699% | 3,566 |
| Net loans and leases to total assets | 73.4921% | 1,966 |
| Net loans and leases to deposits | 89.0529% | 1,855 |
| Net loans and leases to core deposits | 98.5862% | 1,833 |
| Total domestic deposits to total assets | 82.5264% | 3,366 |
| Equity capital to assets | 9.7359% | 4,206 |
| Core capital (leverage) ratio | 9.4157% | 4,229 |
| Tier 1 risk-based capital ratio | 13.5444% | 3,559 |
| Total risk-based capital ratio | 14.5351% | 3,600 |
| Memoranda: | ||
| Average total assets | $2,437,336,330 | 364 |
| Average earning assets | $2,295,987,000 | 355 |
| Average equity | $232,374,670 | 417 |
| Average total loans | $1,777,533,670 | 360 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6644% | 4,894 |
| Cost of funding earning assets | 0.6817% | 3,144 |
| Net interest margin | 2.9826% | 4,777 |
| Noninterest income to average assets | 1.0453% | 731 |
| Noninterest expense to average assets | 2.4038% | 3,763 |
| Loan and lease loss provision to assets | 0.0498% | 2,660 |
| Net operating income to assets | 1.1286% | 2,357 |
| Return on assets (ROA) | 1.1286% | 2,404 |
| Pretax return on assets | 1.3977% | 2,094 |
| Return on Equity (ROE) | 11.9652% | 1,542 |
| Retained earnings to average equity (ytd only) | 5.8694% | 2,510 |
| Net charge-offs to loans | 0.0525% | 1,535 |
| Credit loss provision to net charge-offs | 131.1688% | 1,348 |
| Earnings coverage of net charge-offs (x) | 38.1429% | 1,183 |
| Efficiency ratio | 62.1507% | 3,512 |
| Assets per employee ($millions) | 5.2037% | 2,283 |
| Cash dividends to net income (ytd only)* | 50.9461% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 4,040 |
| Loan loss allowance to noncurrent loans | 353.5753% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 3,629 |
| Noncurrent loans to loans | 0.2626% | 3,622 |
| Net loans and leases to total assets | 72.4610% | 2,083 |
| Net loans and leases to deposits | 87.1831% | 1,974 |
| Net loans and leases to core deposits | 94.8042% | 2,045 |
| Total domestic deposits to total assets | 83.1136% | 3,347 |
| Equity capital to assets | 9.5836% | 4,182 |
| Core capital (leverage) ratio | 9.2910% | 4,375 |
| Tier 1 risk-based capital ratio | 13.5581% | 3,577 |
| Total risk-based capital ratio | 14.5507% | 3,624 |
| Memoranda: | ||
| Average total assets | $2,434,783,000 | 368 |
| Average earning assets | $2,290,600,500 | 360 |
| Average equity | $229,665,500 | 420 |
| Average total loans | $1,760,437,500 | 365 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 4,920 |
| Cost of funding earning assets | 0.4042% | 3,961 |
| Net interest margin | 3.0912% | 4,666 |
| Noninterest income to average assets | 1.1855% | 656 |
| Noninterest expense to average assets | 2.4339% | 3,790 |
| Loan and lease loss provision to assets | 0.0934% | 2,283 |
| Net operating income to assets | 1.2479% | 1,983 |
| Return on assets (ROA) | 1.2479% | 1,981 |
| Pretax return on assets | 1.5669% | 1,560 |
| Return on Equity (ROE) | 13.3084% | 1,232 |
| Retained earnings to average equity (ytd only) | 7.2847% | 1,548 |
| Net charge-offs to loans | 0.0536% | 2,385 |
| Credit loss provision to net charge-offs | 249.7162% | 1,192 |
| Earnings coverage of net charge-offs (x) | 44.3768% | 1,221 |
| Efficiency ratio | 59.1756% | 3,989 |
| Assets per employee ($millions) | 5.2914% | 2,157 |
| Cash dividends to net income (ytd only)* | 45.2627% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9383% | 4,001 |
| Loan loss allowance to noncurrent loans | 343.1861% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 3,636 |
| Noncurrent loans to loans | 0.2734% | 3,596 |
| Net loans and leases to total assets | 70.8034% | 2,443 |
| Net loans and leases to deposits | 91.7117% | 1,586 |
| Net loans and leases to core deposits | 96.0257% | 2,061 |
| Total domestic deposits to total assets | 77.2022% | 4,603 |
| Equity capital to assets | 9.2830% | 4,335 |
| Core capital (leverage) ratio | 9.1436% | 4,514 |
| Tier 1 risk-based capital ratio | 13.4363% | 3,587 |
| Total risk-based capital ratio | 14.4337% | 3,622 |
| Memoranda: | ||
| Average total assets | $2,354,724,800 | 371 |
| Average earning assets | $2,215,736,600 | 362 |
| Average equity | $220,792,400 | 419 |
| Average total loans | $1,642,228,400 | 384 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 4,999 |
| Cost of funding earning assets | 0.3453% | 4,216 |
| Net interest margin | 3.0898% | 4,723 |
| Noninterest income to average assets | 1.2105% | 650 |
| Noninterest expense to average assets | 2.4376% | 3,766 |
| Loan and lease loss provision to assets | 0.0818% | 2,313 |
| Net operating income to assets | 1.2723% | 1,959 |
| Return on assets (ROA) | 1.2723% | 1,961 |
| Pretax return on assets | 1.6020% | 1,579 |
| Return on Equity (ROE) | 13.5339% | 1,255 |
| Retained earnings to average equity (ytd only) | 7.5745% | 1,861 |
| Net charge-offs to loans | 0.0377% | 2,324 |
| Credit loss provision to net charge-offs | 313.1291% | 987 |
| Earnings coverage of net charge-offs (x) | 64.4506% | 1,012 |
| Efficiency ratio | 58.8712% | 3,982 |
| Assets per employee ($millions) | 5.1306% | 2,301 |
| Cash dividends to net income (ytd only)* | 44.0331% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,051 |
| Loan loss allowance to noncurrent loans | 298.3086% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 3,599 |
| Noncurrent loans to loans | 0.3180% | 3,529 |
| Net loans and leases to total assets | 69.3357% | 2,749 |
| Net loans and leases to deposits | 85.8559% | 2,386 |
| Net loans and leases to core deposits | 88.8845% | 2,756 |
| Total domestic deposits to total assets | 80.7583% | 3,939 |
| Equity capital to assets | 9.2802% | 4,299 |
| Core capital (leverage) ratio | 9.2440% | 4,464 |
| Tier 1 risk-based capital ratio | 13.4898% | 3,633 |
| Total risk-based capital ratio | 14.4873% | 3,676 |
| Memoranda: | ||
| Average total assets | $2,332,250,000 | 372 |
| Average earning assets | $2,197,180,000 | 364 |
| Average equity | $219,257,000 | 420 |
| Average total loans | $1,615,967,500 | 384 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 5,043 |
| Cost of funding earning assets | 0.2893% | 4,504 |
| Net interest margin | 3.1103% | 4,713 |
| Noninterest income to average assets | 1.2256% | 642 |
| Noninterest expense to average assets | 2.4657% | 3,732 |
| Loan and lease loss provision to assets | 0.0835% | 2,245 |
| Net operating income to assets | 1.2928% | 1,799 |
| Return on assets (ROA) | 1.2928% | 1,792 |
| Pretax return on assets | 1.6122% | 1,463 |
| Return on Equity (ROE) | 13.6900% | 1,159 |
| Retained earnings to average equity (ytd only) | 7.8073% | 1,705 |
| Net charge-offs to loans | 0.0309% | 2,240 |
| Credit loss provision to net charge-offs | 391.0569% | 839 |
| Earnings coverage of net charge-offs (x) | 79.4146% | 826 |
| Efficiency ratio | 58.9763% | 4,088 |
| Assets per employee ($millions) | 4.9068% | 2,552 |
| Cash dividends to net income (ytd only)* | 42.9703% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 4,016 |
| Loan loss allowance to noncurrent loans | 402.2160% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 3,857 |
| Noncurrent loans to loans | 0.2409% | 3,838 |
| Net loans and leases to total assets | 69.4009% | 2,668 |
| Net loans and leases to deposits | 86.1674% | 2,290 |
| Net loans and leases to core deposits | 89.1372% | 2,637 |
| Total domestic deposits to total assets | 80.5420% | 4,120 |
| Equity capital to assets | 9.5004% | 4,100 |
| Core capital (leverage) ratio | 9.2581% | 4,410 |
| Tier 1 risk-based capital ratio | 13.7318% | 3,490 |
| Total risk-based capital ratio | 14.7500% | 3,529 |
| Memoranda: | ||
| Average total assets | $2,304,157,670 | 376 |
| Average earning assets | $2,174,935,330 | 367 |
| Average equity | $217,590,000 | 421 |
| Average total loans | $1,590,768,000 | 386 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3342% | 5,090 |
| Cost of funding earning assets | 0.2497% | 4,709 |
| Net interest margin | 3.0846% | 4,734 |
| Noninterest income to average assets | 1.1534% | 695 |
| Noninterest expense to average assets | 2.4556% | 3,797 |
| Loan and lease loss provision to assets | 0.0928% | 1,963 |
| Net operating income to assets | 1.2269% | 1,905 |
| Return on assets (ROA) | 1.2269% | 1,915 |
| Pretax return on assets | 1.5185% | 1,632 |
| Return on Equity (ROE) | 13.0317% | 1,253 |
| Retained earnings to average equity (ytd only) | 7.1031% | 2,232 |
| Net charge-offs to loans | 0.0507% | 1,592 |
| Credit loss provision to net charge-offs | 267.3367% | 881 |
| Earnings coverage of net charge-offs (x) | 46.4221% | 979 |
| Efficiency ratio | 60.0935% | 4,054 |
| Assets per employee ($millions) | 4.9229% | 2,575 |
| Cash dividends to net income (ytd only)* | 45.4933% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 4,092 |
| Loan loss allowance to noncurrent loans | 354.6145% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 3,850 |
| Noncurrent loans to loans | 0.2749% | 3,785 |
| Net loans and leases to total assets | 67.6563% | 2,805 |
| Net loans and leases to deposits | 78.9980% | 2,918 |
| Net loans and leases to core deposits | 85.2095% | 2,870 |
| Total domestic deposits to total assets | 85.6431% | 2,697 |
| Equity capital to assets | 9.3661% | 4,214 |
| Core capital (leverage) ratio | 9.2594% | 4,368 |
| Tier 1 risk-based capital ratio | 13.8191% | 3,487 |
| Total risk-based capital ratio | 14.8389% | 3,519 |
| Memoranda: | ||
| Average total assets | $2,293,333,000 | 381 |
| Average earning assets | $2,166,148,500 | 369 |
| Average equity | $215,904,500 | 426 |
| Average total loans | $1,571,190,500 | 392 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2937% | 5,087 |
| Cost of funding earning assets | 0.2300% | 4,728 |
| Net interest margin | 3.0637% | 4,763 |
| Noninterest income to average assets | 1.2337% | 690 |
| Noninterest expense to average assets | 2.4958% | 3,798 |
| Loan and lease loss provision to assets | 0.0990% | 2,248 |
| Net operating income to assets | 1.1355% | 1,731 |
| Return on assets (ROA) | 1.1216% | 1,815 |
| Pretax return on assets | 1.4927% | 1,670 |
| Return on Equity (ROE) | 12.0011% | 1,213 |
| Retained earnings to average equity (ytd only) | 5.8627% | 1,620 |
| Net charge-offs to loans | 0.0689% | 2,468 |
| Credit loss provision to net charge-offs | 214.8833% | 1,266 |
| Earnings coverage of net charge-offs (x) | 34.9494% | 1,378 |
| Efficiency ratio | 60.4792% | 4,186 |
| Assets per employee ($millions) | 4.7650% | 2,778 |
| Cash dividends to net income (ytd only)* | 51.1489% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9654% | 4,133 |
| Loan loss allowance to noncurrent loans | 309.1040% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 3,722 |
| Noncurrent loans to loans | 0.3123% | 3,664 |
| Net loans and leases to total assets | 68.0403% | 2,810 |
| Net loans and leases to deposits | 84.0271% | 2,485 |
| Net loans and leases to core deposits | 87.9347% | 2,728 |
| Total domestic deposits to total assets | 80.9743% | 4,124 |
| Equity capital to assets | 9.4637% | 4,258 |
| Core capital (leverage) ratio | 9.1001% | 4,524 |
| Tier 1 risk-based capital ratio | 13.6213% | 3,563 |
| Total risk-based capital ratio | 14.6220% | 3,614 |
| Memoranda: | ||
| Average total assets | $2,231,202,000 | 375 |
| Average earning assets | $2,091,911,800 | 367 |
| Average equity | $208,522,800 | 424 |
| Average total loans | $1,492,597,200 | 392 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 5,159 |
| Cost of funding earning assets | 0.2284% | 4,750 |
| Net interest margin | 3.0317% | 4,852 |
| Noninterest income to average assets | 1.2302% | 694 |
| Noninterest expense to average assets | 2.4854% | 3,786 |
| Loan and lease loss provision to assets | 0.0856% | 2,381 |
| Net operating income to assets | 1.0639% | 2,264 |
| Return on assets (ROA) | 1.0643% | 2,299 |
| Pretax return on assets | 1.4998% | 1,769 |
| Return on Equity (ROE) | 11.4254% | 1,518 |
| Retained earnings to average equity (ytd only) | 5.2384% | 2,718 |
| Net charge-offs to loans | 0.0714% | 2,107 |
| Credit loss provision to net charge-offs | 180.5063% | 1,468 |
| Earnings coverage of net charge-offs (x) | 33.4138% | 1,465 |
| Efficiency ratio | 60.7537% | 4,082 |
| Assets per employee ($millions) | 4.8029% | 2,692 |
| Cash dividends to net income (ytd only)* | 54.1516% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9418% | 4,368 |
| Loan loss allowance to noncurrent loans | 242.2474% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3174% | 3,790 |
| Noncurrent loans to loans | 0.3888% | 3,561 |
| Net loans and leases to total assets | 67.1281% | 2,965 |
| Net loans and leases to deposits | 79.8157% | 2,988 |
| Net loans and leases to core deposits | 82.9746% | 3,216 |
| Total domestic deposits to total assets | 84.1039% | 3,078 |
| Equity capital to assets | 9.2895% | 4,654 |
| Core capital (leverage) ratio | 8.8824% | 4,884 |
| Tier 1 risk-based capital ratio | 13.3581% | 3,788 |
| Total risk-based capital ratio | 14.3291% | 3,862 |
| Memoranda: | ||
| Average total assets | $2,220,772,000 | 377 |
| Average earning assets | $2,080,406,250 | 369 |
| Average equity | $206,878,000 | 429 |
| Average total loans | $1,475,351,750 | 398 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2189% | 5,214 |
| Cost of funding earning assets | 0.2115% | 4,878 |
| Net interest margin | 3.0074% | 4,899 |
| Noninterest income to average assets | 1.2288% | 690 |
| Noninterest expense to average assets | 2.5075% | 3,722 |
| Loan and lease loss provision to assets | 0.0597% | 2,773 |
| Net operating income to assets | 1.0459% | 2,225 |
| Return on assets (ROA) | 1.0459% | 2,266 |
| Pretax return on assets | 1.4801% | 1,718 |
| Return on Equity (ROE) | 11.2164% | 1,563 |
| Retained earnings to average equity (ytd only) | 4.9829% | 2,721 |
| Net charge-offs to loans | 0.0398% | 2,408 |
| Credit loss provision to net charge-offs | 227.3356% | 1,150 |
| Earnings coverage of net charge-offs (x) | 58.6644% | 964 |
| Efficiency ratio | 61.6394% | 4,063 |
| Assets per employee ($millions) | 4.8086% | 2,636 |
| Cash dividends to net income (ytd only)* | 55.5749% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 4,454 |
| Loan loss allowance to noncurrent loans | 233.8033% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 3,856 |
| Noncurrent loans to loans | 0.4030% | 3,589 |
| Net loans and leases to total assets | 66.4891% | 3,032 |
| Net loans and leases to deposits | 81.7920% | 2,719 |
| Net loans and leases to core deposits | 83.9106% | 3,079 |
| Total domestic deposits to total assets | 81.2905% | 4,103 |
| Equity capital to assets | 9.2376% | 4,687 |
| Core capital (leverage) ratio | 8.9546% | 4,771 |
| Tier 1 risk-based capital ratio | 13.4215% | 3,733 |
| Total risk-based capital ratio | 14.3943% | 3,824 |
| Memoranda: | ||
| Average total assets | $2,202,165,330 | 383 |
| Average earning assets | $2,063,853,670 | 373 |
| Average equity | $205,342,670 | 430 |
| Average total loans | $1,452,881,330 | 403 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1913% | 5,259 |
| Cost of funding earning assets | 0.2013% | 4,968 |
| Net interest margin | 2.9900% | 4,908 |
| Noninterest income to average assets | 1.2026% | 712 |
| Noninterest expense to average assets | 2.5223% | 3,735 |
| Loan and lease loss provision to assets | 0.0300% | 3,177 |
| Net operating income to assets | 1.0274% | 2,180 |
| Return on assets (ROA) | 1.0274% | 2,230 |
| Pretax return on assets | 1.4468% | 1,706 |
| Return on Equity (ROE) | 10.9650% | 1,581 |
| Retained earnings to average equity (ytd only) | 4.6858% | 3,063 |
| Net charge-offs to loans | 0.0352% | 2,082 |
| Credit loss provision to net charge-offs | 130.4000% | 1,312 |
| Earnings coverage of net charge-offs (x) | 64.2560% | 767 |
| Efficiency ratio | 62.7465% | 4,028 |
| Assets per employee ($millions) | 4.5972% | 3,006 |
| Cash dividends to net income (ytd only)* | 57.2656% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 4,469 |
| Loan loss allowance to noncurrent loans | 351.0204% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 4,299 |
| Noncurrent loans to loans | 0.2749% | 4,122 |
| Net loans and leases to total assets | 65.1952% | 3,088 |
| Net loans and leases to deposits | 76.5014% | 3,135 |
| Net loans and leases to core deposits | 79.8905% | 3,310 |
| Total domestic deposits to total assets | 85.2210% | 2,995 |
| Equity capital to assets | 9.3552% | 4,438 |
| Core capital (leverage) ratio | 8.9992% | 4,743 |
| Tier 1 risk-based capital ratio | 13.8374% | 3,582 |
| Total risk-based capital ratio | 14.8315% | 3,643 |
| Memoranda: | ||
| Average total assets | $2,175,628,500 | 386 |
| Average earning assets | $2,034,805,000 | 377 |
| Average equity | $203,849,000 | 434 |
| Average total loans | $1,422,447,000 | 410 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1862% | 5,321 |
| Cost of funding earning assets | 0.1744% | 5,254 |
| Net interest margin | 3.0119% | 4,933 |
| Noninterest income to average assets | 1.2818% | 690 |
| Noninterest expense to average assets | 2.5029% | 3,998 |
| Loan and lease loss provision to assets | 0.0795% | 2,775 |
| Net operating income to assets | 1.0667% | 2,051 |
| Return on assets (ROA) | 1.0669% | 2,159 |
| Pretax return on assets | 1.5199% | 1,530 |
| Return on Equity (ROE) | 11.4511% | 1,420 |
| Retained earnings to average equity (ytd only) | 5.5446% | 1,987 |
| Net charge-offs to loans | 0.0604% | 2,848 |
| Credit loss provision to net charge-offs | 207.6543% | 1,369 |
| Earnings coverage of net charge-offs (x) | 41.7963% | 1,145 |
| Efficiency ratio | 60.6739% | 4,477 |
| Assets per employee ($millions) | 4.5632% | 3,025 |
| Cash dividends to net income (ytd only)* | 51.5806% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 4,389 |
| Loan loss allowance to noncurrent loans | 272.6987% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 4,138 |
| Noncurrent loans to loans | 0.3636% | 3,820 |
| Net loans and leases to total assets | 64.2805% | 3,319 |
| Net loans and leases to deposits | 79.4459% | 2,950 |
| Net loans and leases to core deposits | 83.0829% | 3,121 |
| Total domestic deposits to total assets | 80.9110% | 4,356 |
| Equity capital to assets | 9.3844% | 4,389 |
| Core capital (leverage) ratio | 9.0560% | 4,676 |
| Tier 1 risk-based capital ratio | 13.9452% | 3,494 |
| Total risk-based capital ratio | 14.9560% | 3,549 |
| Memoranda: | ||
| Average total assets | $2,117,026,800 | 380 |
| Average earning assets | $1,982,368,600 | 370 |
| Average equity | $197,238,000 | 435 |
| Average total loans | $1,342,142,800 | 405 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1815% | 5,387 |
| Cost of funding earning assets | 0.1729% | 5,322 |
| Net interest margin | 3.0086% | 4,998 |
| Noninterest income to average assets | 1.2919% | 694 |
| Noninterest expense to average assets | 2.4983% | 3,990 |
| Loan and lease loss provision to assets | 0.0790% | 2,638 |
| Net operating income to assets | 1.0713% | 2,111 |
| Return on assets (ROA) | 1.0777% | 2,196 |
| Pretax return on assets | 1.5417% | 1,567 |
| Return on Equity (ROE) | 11.5887% | 1,462 |
| Retained earnings to average equity (ytd only) | 5.8379% | 2,277 |
| Net charge-offs to loans | 0.0431% | 2,779 |
| Credit loss provision to net charge-offs | 290.9091% | 1,062 |
| Earnings coverage of net charge-offs (x) | 59.3562% | 970 |
| Efficiency ratio | 60.4444% | 4,471 |
| Assets per employee ($millions) | 4.4622% | 3,144 |
| Cash dividends to net income (ytd only)* | 49.6242% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 4,348 |
| Loan loss allowance to noncurrent loans | 230.4145% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 4,263 |
| Noncurrent loans to loans | 0.4379% | 3,717 |
| Net loans and leases to total assets | 63.1391% | 3,504 |
| Net loans and leases to deposits | 73.2761% | 3,666 |
| Net loans and leases to core deposits | 75.3697% | 3,895 |
| Total domestic deposits to total assets | 86.1661% | 2,274 |
| Equity capital to assets | 9.3571% | 4,809 |
| Core capital (leverage) ratio | 9.0193% | 4,809 |
| Tier 1 risk-based capital ratio | 13.8556% | 3,633 |
| Total risk-based capital ratio | 14.8704% | 3,698 |
| Memoranda: | ||
| Average total assets | $2,106,687,250 | 381 |
| Average earning assets | $1,973,217,250 | 372 |
| Average equity | $195,909,750 | 440 |
| Average total loans | $1,327,350,000 | 409 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1791% | 5,460 |
| Cost of funding earning assets | 0.1666% | 5,442 |
| Net interest margin | 3.0125% | 5,052 |
| Noninterest income to average assets | 1.2918% | 689 |
| Noninterest expense to average assets | 2.4860% | 4,066 |
| Loan and lease loss provision to assets | 0.1023% | 2,142 |
| Net operating income to assets | 1.0675% | 2,095 |
| Return on assets (ROA) | 1.0772% | 2,180 |
| Pretax return on assets | 1.5455% | 1,539 |
| Return on Equity (ROE) | 11.6077% | 1,445 |
| Retained earnings to average equity (ytd only) | 4.9627% | 2,763 |
| Net charge-offs to loans | 0.0303% | 2,869 |
| Credit loss provision to net charge-offs | 537.6884% | 621 |
| Earnings coverage of net charge-offs (x) | 85.8894% | 661 |
| Efficiency ratio | 59.9916% | 4,644 |
| Assets per employee ($millions) | 4.6167% | 2,842 |
| Cash dividends to net income (ytd only)* | 57.2468% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 4,400 |
| Loan loss allowance to noncurrent loans | 218.3747% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 4,263 |
| Noncurrent loans to loans | 0.4675% | 3,687 |
| Net loans and leases to total assets | 63.0106% | 3,499 |
| Net loans and leases to deposits | 77.3786% | 3,221 |
| Net loans and leases to core deposits | 79.0238% | 3,549 |
| Total domestic deposits to total assets | 81.4316% | 4,154 |
| Equity capital to assets | 9.2589% | 5,014 |
| Core capital (leverage) ratio | 8.9249% | 4,913 |
| Tier 1 risk-based capital ratio | 13.6248% | 3,820 |
| Total risk-based capital ratio | 14.6475% | 3,876 |
| Memoranda: | ||
| Average total assets | $2,091,993,330 | 385 |
| Average earning assets | $1,964,053,330 | 375 |
| Average equity | $194,130,000 | 443 |
| Average total loans | $1,312,527,670 | 411 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1508% | 5,545 |
| Cost of funding earning assets | 0.1667% | 5,494 |
| Net interest margin | 2.9841% | 5,155 |
| Noninterest income to average assets | 1.2925% | 656 |
| Noninterest expense to average assets | 2.4697% | 4,166 |
| Loan and lease loss provision to assets | 0.0592% | 2,772 |
| Net operating income to assets | 1.0928% | 1,935 |
| Return on assets (ROA) | 1.0928% | 2,033 |
| Pretax return on assets | 1.5704% | 1,372 |
| Return on Equity (ROE) | 11.7624% | 1,384 |
| Retained earnings to average equity (ytd only) | 4.5839% | 3,187 |
| Net charge-offs to loans | 0.0422% | 2,161 |
| Credit loss provision to net charge-offs | 225.0000% | 1,006 |
| Earnings coverage of net charge-offs (x) | 61.9853% | 759 |
| Efficiency ratio | 59.8934% | 4,762 |
| Assets per employee ($millions) | 4.4455% | 3,170 |
| Cash dividends to net income (ytd only)* | 61.0295% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 4,538 |
| Loan loss allowance to noncurrent loans | 181.0099% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 3,952 |
| Noncurrent loans to loans | 0.5589% | 3,511 |
| Net loans and leases to total assets | 62.0401% | 3,520 |
| Net loans and leases to deposits | 72.4613% | 3,611 |
| Net loans and leases to core deposits | 73.9655% | 3,900 |
| Total domestic deposits to total assets | 85.6182% | 2,853 |
| Equity capital to assets | 9.3514% | 4,836 |
| Core capital (leverage) ratio | 8.9339% | 4,934 |
| Tier 1 risk-based capital ratio | 13.9070% | 3,750 |
| Total risk-based capital ratio | 14.9132% | 3,818 |
| Memoranda: | ||
| Average total assets | $2,069,227,500 | 387 |
| Average earning assets | $1,946,319,500 | 379 |
| Average equity | $192,239,000 | 443 |
| Average total loans | $1,288,411,000 | 410 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1640% | 5,554 |
| Cost of funding earning assets | 0.1613% | 5,599 |
| Net interest margin | 3.0028% | 5,132 |
| Noninterest income to average assets | 1.3745% | 637 |
| Noninterest expense to average assets | 2.5888% | 3,964 |
| Loan and lease loss provision to assets | 0.0282% | 3,807 |
| Net operating income to assets | 1.0971% | 1,941 |
| Return on assets (ROA) | 1.1019% | 1,989 |
| Pretax return on assets | 1.5771% | 1,320 |
| Return on Equity (ROE) | 11.7035% | 1,382 |
| Retained earnings to average equity (ytd only) | 4.7205% | 2,628 |
| Net charge-offs to loans | 0.0401% | 3,422 |
| Credit loss provision to net charge-offs | 115.0826% | 2,218 |
| Earnings coverage of net charge-offs (x) | 65.3058% | 817 |
| Efficiency ratio | 61.4343% | 4,696 |
| Assets per employee ($millions) | 4.4544% | 3,115 |
| Cash dividends to net income (ytd only)* | 59.6659% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 4,476 |
| Loan loss allowance to noncurrent loans | 221.1241% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 4,198 |
| Noncurrent loans to loans | 0.4627% | 3,811 |
| Net loans and leases to total assets | 61.2192% | 3,661 |
| Net loans and leases to deposits | 73.6310% | 3,538 |
| Net loans and leases to core deposits | 75.2933% | 3,819 |
| Total domestic deposits to total assets | 83.1433% | 3,795 |
| Equity capital to assets | 9.2287% | 4,865 |
| Core capital (leverage) ratio | 8.8564% | 5,054 |
| Tier 1 risk-based capital ratio | 13.9908% | 3,721 |
| Total risk-based capital ratio | 15.0014% | 3,785 |
| Memoranda: | ||
| Average total assets | $1,977,386,800 | 384 |
| Average earning assets | $1,852,262,000 | 374 |
| Average equity | $186,166,000 | 440 |
| Average total loans | $1,206,716,800 | 414 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 5,641 |
| Cost of funding earning assets | 0.1596% | 5,710 |
| Net interest margin | 2.9903% | 5,218 |
| Noninterest income to average assets | 1.4098% | 628 |
| Noninterest expense to average assets | 2.6276% | 3,775 |
| Loan and lease loss provision to assets | 0.0165% | 3,944 |
| Net operating income to assets | 1.0908% | 2,055 |
| Return on assets (ROA) | 1.0958% | 2,110 |
| Pretax return on assets | 1.5720% | 1,467 |
| Return on Equity (ROE) | 11.5790% | 1,501 |
| Retained earnings to average equity (ytd only) | 4.6687% | 3,148 |
| Net charge-offs to loans | 0.0385% | 3,122 |
| Credit loss provision to net charge-offs | 70.3488% | 2,762 |
| Earnings coverage of net charge-offs (x) | 67.4789% | 837 |
| Efficiency ratio | 62.0319% | 4,563 |
| Assets per employee ($millions) | 4.2884% | 3,334 |
| Cash dividends to net income (ytd only)* | 59.6792% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 4,570 |
| Loan loss allowance to noncurrent loans | 158.4680% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4099% | 4,130 |
| Noncurrent loans to loans | 0.6513% | 3,372 |
| Net loans and leases to total assets | 60.6073% | 3,797 |
| Net loans and leases to deposits | 69.8094% | 4,008 |
| Net loans and leases to core deposits | 71.0336% | 4,276 |
| Total domestic deposits to total assets | 86.8183% | 2,130 |
| Equity capital to assets | 9.2858% | 5,021 |
| Core capital (leverage) ratio | 9.0852% | 4,902 |
| Tier 1 risk-based capital ratio | 13.9942% | 3,851 |
| Total risk-based capital ratio | 15.0057% | 3,931 |
| Memoranda: | ||
| Average total assets | $1,957,249,000 | 392 |
| Average earning assets | $1,832,169,250 | 382 |
| Average equity | $185,227,250 | 446 |
| Average total loans | $1,190,177,000 | 422 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1542% | 5,679 |
| Cost of funding earning assets | 0.1577% | 5,797 |
| Net interest margin | 2.9965% | 5,228 |
| Noninterest income to average assets | 1.4214% | 629 |
| Noninterest expense to average assets | 2.6149% | 3,869 |
| Loan and lease loss provision to assets | 0.0078% | 3,952 |
| Net operating income to assets | 1.1090% | 1,913 |
| Return on assets (ROA) | 1.1165% | 1,975 |
| Pretax return on assets | 1.6170% | 1,283 |
| Return on Equity (ROE) | 11.7206% | 1,463 |
| Retained earnings to average equity (ytd only) | 4.9834% | 2,875 |
| Net charge-offs to loans | 0.0478% | 2,748 |
| Credit loss provision to net charge-offs | 26.7857% | 2,953 |
| Earnings coverage of net charge-offs (x) | 55.6821% | 886 |
| Efficiency ratio | 61.4266% | 4,767 |
| Assets per employee ($millions) | 4.1721% | 3,523 |
| Cash dividends to net income (ytd only)* | 57.4819% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 4,514 |
| Loan loss allowance to noncurrent loans | 179.2909% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3752% | 4,391 |
| Noncurrent loans to loans | 0.5937% | 3,681 |
| Net loans and leases to total assets | 60.5296% | 3,751 |
| Net loans and leases to deposits | 71.2039% | 3,797 |
| Net loans and leases to core deposits | 71.7151% | 4,164 |
| Total domestic deposits to total assets | 85.0088% | 3,117 |
| Equity capital to assets | 9.5141% | 4,632 |
| Core capital (leverage) ratio | 9.1486% | 4,752 |
| Tier 1 risk-based capital ratio | 14.3434% | 3,736 |
| Total risk-based capital ratio | 15.3838% | 3,777 |
| Memoranda: | ||
| Average total assets | $1,932,092,330 | 395 |
| Average earning assets | $1,810,184,000 | 387 |
| Average equity | $184,051,330 | 450 |
| Average total loans | $1,171,961,330 | 427 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1523% | 5,716 |
| Cost of funding earning assets | 0.1485% | 5,939 |
| Net interest margin | 3.0038% | 5,206 |
| Noninterest income to average assets | 1.3747% | 611 |
| Noninterest expense to average assets | 2.5916% | 3,971 |
| Loan and lease loss provision to assets | 0.0240% | 3,392 |
| Net operating income to assets | 1.0989% | 1,876 |
| Return on assets (ROA) | 1.1120% | 1,933 |
| Pretax return on assets | 1.5891% | 1,295 |
| Return on Equity (ROE) | 11.6659% | 1,438 |
| Retained earnings to average equity (ytd only) | 5.1084% | 2,993 |
| Net charge-offs to loans | 0.0600% | 2,152 |
| Credit loss provision to net charge-offs | 66.0920% | 1,949 |
| Earnings coverage of net charge-offs (x) | 43.9770% | 915 |
| Efficiency ratio | 61.4783% | 4,884 |
| Assets per employee ($millions) | 4.1348% | 3,689 |
| Cash dividends to net income (ytd only)* | 56.2114% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1083% | 4,469 |
| Loan loss allowance to noncurrent loans | 202.2595% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 4,637 |
| Noncurrent loans to loans | 0.5479% | 3,940 |
| Net loans and leases to total assets | 58.4409% | 3,880 |
| Net loans and leases to deposits | 67.2374% | 4,031 |
| Net loans and leases to core deposits | 67.7470% | 4,355 |
| Total domestic deposits to total assets | 86.9172% | 2,415 |
| Equity capital to assets | 9.3809% | 4,879 |
| Core capital (leverage) ratio | 9.2524% | 4,646 |
| Tier 1 risk-based capital ratio | 14.7589% | 3,570 |
| Total risk-based capital ratio | 15.8566% | 3,582 |
| Memoranda: | ||
| Average total assets | $1,919,774,000 | 395 |
| Average earning assets | $1,796,665,500 | 386 |
| Average equity | $182,994,500 | 454 |
| Average total loans | $1,159,370,000 | 429 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2278% | 5,800 |
| Cost of funding earning assets | 0.2331% | 5,489 |
| Net interest margin | 2.9947% | 5,459 |
| Noninterest income to average assets | 1.4887% | 551 |
| Noninterest expense to average assets | 2.6170% | 4,155 |
| Loan and lease loss provision to assets | 0.0899% | 2,671 |
| Net operating income to assets | 1.0972% | 1,986 |
| Return on assets (ROA) | 1.1016% | 2,025 |
| Pretax return on assets | 1.5811% | 1,293 |
| Return on Equity (ROE) | 11.4625% | 1,569 |
| Retained earnings to average equity (ytd only) | 4.9154% | 2,667 |
| Net charge-offs to loans | 0.0539% | 3,757 |
| Credit loss provision to net charge-offs | 281.4815% | 903 |
| Earnings coverage of net charge-offs (x) | 52.1178% | 902 |
| Efficiency ratio | 60.6558% | 5,122 |
| Assets per employee ($millions) | 3.9902% | 3,976 |
| Cash dividends to net income (ytd only)* | 57.1178% | 1,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 4,444 |
| Loan loss allowance to noncurrent loans | 206.9522% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 4,650 |
| Noncurrent loans to loans | 0.5414% | 4,037 |
| Net loans and leases to total assets | 61.0611% | 3,632 |
| Net loans and leases to deposits | 71.1362% | 3,776 |
| Net loans and leases to core deposits | 71.7101% | 4,158 |
| Total domestic deposits to total assets | 85.8368% | 2,923 |
| Equity capital to assets | 9.6911% | 4,482 |
| Core capital (leverage) ratio | 9.0743% | 4,865 |
| Tier 1 risk-based capital ratio | 14.3926% | 3,838 |
| Total risk-based capital ratio | 15.4857% | 3,869 |
| Memoranda: | ||
| Average total assets | $1,859,550,600 | 394 |
| Average earning assets | $1,734,369,800 | 381 |
| Average equity | $178,704,000 | 443 |
| Average total loans | $1,102,465,400 | 424 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2158% | 5,884 |
| Cost of funding earning assets | 0.2507% | 5,399 |
| Net interest margin | 2.9650% | 5,572 |
| Noninterest income to average assets | 1.4891% | 568 |
| Noninterest expense to average assets | 2.6464% | 4,029 |
| Loan and lease loss provision to assets | 0.0860% | 2,639 |
| Net operating income to assets | 1.0657% | 2,170 |
| Return on assets (ROA) | 1.0715% | 2,216 |
| Pretax return on assets | 1.5286% | 1,552 |
| Return on Equity (ROE) | 11.1732% | 1,728 |
| Retained earnings to average equity (ytd only) | 4.6580% | 3,315 |
| Net charge-offs to loans | 0.0568% | 3,405 |
| Credit loss provision to net charge-offs | 257.9741% | 1,024 |
| Earnings coverage of net charge-offs (x) | 48.2048% | 1,001 |
| Efficiency ratio | 61.7576% | 4,924 |
| Assets per employee ($millions) | 3.9477% | 3,990 |
| Cash dividends to net income (ytd only)* | 58.3110% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 4,676 |
| Loan loss allowance to noncurrent loans | 204.2126% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 4,876 |
| Noncurrent loans to loans | 0.5466% | 4,278 |
| Net loans and leases to total assets | 59.6709% | 3,850 |
| Net loans and leases to deposits | 67.8157% | 4,151 |
| Net loans and leases to core deposits | 68.4243% | 4,466 |
| Total domestic deposits to total assets | 87.9898% | 1,778 |
| Equity capital to assets | 9.6829% | 4,569 |
| Core capital (leverage) ratio | 9.3302% | 4,598 |
| Tier 1 risk-based capital ratio | 14.3583% | 3,978 |
| Total risk-based capital ratio | 15.4373% | 4,018 |
| Memoranda: | ||
| Average total assets | $1,856,587,500 | 389 |
| Average earning assets | $1,730,394,250 | 378 |
| Average equity | $178,040,250 | 441 |
| Average total loans | $1,089,169,750 | 428 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2094% | 5,933 |
| Cost of funding earning assets | 0.2647% | 5,339 |
| Net interest margin | 2.9447% | 5,645 |
| Noninterest income to average assets | 1.4719% | 561 |
| Noninterest expense to average assets | 2.6585% | 4,021 |
| Loan and lease loss provision to assets | 0.0961% | 2,419 |
| Net operating income to assets | 1.0325% | 2,194 |
| Return on assets (ROA) | 1.0309% | 2,262 |
| Pretax return on assets | 1.4631% | 1,664 |
| Return on Equity (ROE) | 10.7859% | 1,812 |
| Retained earnings to average equity (ytd only) | 4.2319% | 3,480 |
| Net charge-offs to loans | 0.0561% | 3,159 |
| Credit loss provision to net charge-offs | 294.7020% | 872 |
| Earnings coverage of net charge-offs (x) | 47.8709% | 936 |
| Efficiency ratio | 62.5144% | 4,941 |
| Assets per employee ($millions) | 3.8486% | 4,162 |
| Cash dividends to net income (ytd only)* | 60.7648% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 4,758 |
| Loan loss allowance to noncurrent loans | 199.8556% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 4,946 |
| Noncurrent loans to loans | 0.5659% | 4,319 |
| Net loans and leases to total assets | 59.8277% | 3,747 |
| Net loans and leases to deposits | 69.0312% | 3,936 |
| Net loans and leases to core deposits | 69.6254% | 4,302 |
| Total domestic deposits to total assets | 86.6676% | 2,657 |
| Equity capital to assets | 9.8537% | 4,288 |
| Core capital (leverage) ratio | 9.0034% | 5,009 |
| Tier 1 risk-based capital ratio | 14.3994% | 3,990 |
| Total risk-based capital ratio | 15.4865% | 4,034 |
| Memoranda: | ||
| Average total assets | $1,851,706,670 | 388 |
| Average earning assets | $1,728,070,670 | 375 |
| Average equity | $176,990,330 | 439 |
| Average total loans | $1,075,831,670 | 431 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1458% | 6,069 |
| Cost of funding earning assets | 0.2668% | 5,420 |
| Net interest margin | 2.8790% | 5,795 |
| Noninterest income to average assets | 1.4632% | 549 |
| Noninterest expense to average assets | 2.6058% | 4,250 |
| Loan and lease loss provision to assets | 0.0664% | 2,794 |
| Net operating income to assets | 1.0389% | 2,048 |
| Return on assets (ROA) | 1.0389% | 2,123 |
| Pretax return on assets | 1.4795% | 1,491 |
| Return on Equity (ROE) | 11.0354% | 1,673 |
| Retained earnings to average equity (ytd only) | 4.4369% | 3,462 |
| Net charge-offs to loans | 0.0783% | 2,367 |
| Credit loss provision to net charge-offs | 149.0385% | 1,269 |
| Earnings coverage of net charge-offs (x) | 34.6971% | 962 |
| Efficiency ratio | 62.2588% | 5,087 |
| Assets per employee ($millions) | 3.9736% | 3,997 |
| Cash dividends to net income (ytd only)* | 59.7938% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 5,077 |
| Loan loss allowance to noncurrent loans | 246.2060% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 5,374 |
| Noncurrent loans to loans | 0.4511% | 4,796 |
| Net loans and leases to total assets | 56.3573% | 4,100 |
| Net loans and leases to deposits | 63.9410% | 4,319 |
| Net loans and leases to core deposits | 64.4919% | 4,650 |
| Total domestic deposits to total assets | 88.1395% | 2,147 |
| Equity capital to assets | 9.3557% | 4,689 |
| Core capital (leverage) ratio | 8.9113% | 5,124 |
| Tier 1 risk-based capital ratio | 14.3640% | 4,087 |
| Total risk-based capital ratio | 15.4190% | 4,161 |
| Memoranda: | ||
| Average total assets | $1,867,369,500 | 384 |
| Average earning assets | $1,743,813,000 | 377 |
| Average equity | $175,798,000 | 444 |
| Average total loans | $1,062,972,000 | 430 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2220% | 6,113 |
| Cost of funding earning assets | 0.3614% | 5,036 |
| Net interest margin | 2.8605% | 5,881 |
| Noninterest income to average assets | 1.5028% | 625 |
| Noninterest expense to average assets | 2.6876% | 4,136 |
| Loan and lease loss provision to assets | 0.0111% | 4,904 |
| Net operating income to assets | 1.0404% | 2,153 |
| Return on assets (ROA) | 1.0615% | 2,152 |
| Pretax return on assets | 1.5082% | 1,420 |
| Return on Equity (ROE) | 11.4595% | 1,610 |
| Retained earnings to average equity (ytd only) | 4.6967% | 2,813 |
| Net charge-offs to loans | 0.1012% | 3,820 |
| Credit loss provision to net charge-offs | 19.7239% | 4,449 |
| Earnings coverage of net charge-offs (x) | 26.3767% | 1,297 |
| Efficiency ratio | 63.7868% | 4,935 |
| Assets per employee ($millions) | 3.8888% | 4,092 |
| Cash dividends to net income (ytd only)* | 59.0148% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 4,983 |
| Loan loss allowance to noncurrent loans | 220.3638% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 5,377 |
| Noncurrent loans to loans | 0.5140% | 4,706 |
| Net loans and leases to total assets | 56.2109% | 4,286 |
| Net loans and leases to deposits | 65.9447% | 4,303 |
| Net loans and leases to core deposits | 66.5747% | 4,649 |
| Total domestic deposits to total assets | 85.2394% | 3,621 |
| Equity capital to assets | 9.4743% | 4,461 |
| Core capital (leverage) ratio | 8.7531% | 5,356 |
| Tier 1 risk-based capital ratio | 14.3772% | 4,028 |
| Total risk-based capital ratio | 15.4382% | 4,108 |
| Memoranda: | ||
| Average total assets | $1,795,930,600 | 385 |
| Average earning assets | $1,678,883,000 | 373 |
| Average equity | $166,351,200 | 450 |
| Average total loans | $1,001,915,400 | 430 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2074% | 6,187 |
| Cost of funding earning assets | 0.3834% | 4,962 |
| Net interest margin | 2.8240% | 5,977 |
| Noninterest income to average assets | 1.5146% | 631 |
| Noninterest expense to average assets | 2.6914% | 4,047 |
| Loan and lease loss provision to assets | 0.0149% | 4,711 |
| Net operating income to assets | 1.0275% | 2,264 |
| Return on assets (ROA) | 1.0562% | 2,246 |
| Pretax return on assets | 1.4900% | 1,640 |
| Return on Equity (ROE) | 11.4704% | 1,662 |
| Retained earnings to average equity (ytd only) | 4.6935% | 3,317 |
| Net charge-offs to loans | 0.1213% | 3,334 |
| Credit loss provision to net charge-offs | 22.1976% | 4,034 |
| Earnings coverage of net charge-offs (x) | 21.7514% | 1,534 |
| Efficiency ratio | 64.1876% | 4,772 |
| Assets per employee ($millions) | 3.8487% | 4,133 |
| Cash dividends to net income (ytd only)* | 59.0816% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 5,061 |
| Loan loss allowance to noncurrent loans | 229.0082% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3106% | 5,483 |
| Noncurrent loans to loans | 0.5072% | 4,927 |
| Net loans and leases to total assets | 55.4269% | 4,403 |
| Net loans and leases to deposits | 62.7343% | 4,661 |
| Net loans and leases to core deposits | 63.3553% | 4,971 |
| Total domestic deposits to total assets | 88.3517% | 1,916 |
| Equity capital to assets | 9.0759% | 5,089 |
| Core capital (leverage) ratio | 9.0167% | 5,100 |
| Tier 1 risk-based capital ratio | 14.3443% | 4,189 |
| Total risk-based capital ratio | 15.4281% | 4,247 |
| Memoranda: | ||
| Average total assets | $1,784,092,000 | 390 |
| Average earning assets | $1,668,775,000 | 377 |
| Average equity | $164,279,500 | 460 |
| Average total loans | $990,394,750 | 430 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2341% | 6,187 |
| Cost of funding earning assets | 0.4236% | 4,725 |
| Net interest margin | 2.8106% | 5,984 |
| Noninterest income to average assets | 1.5269% | 672 |
| Noninterest expense to average assets | 2.7353% | 3,908 |
| Loan and lease loss provision to assets | 0.0227% | 4,455 |
| Net operating income to assets | 0.9908% | 2,370 |
| Return on assets (ROA) | 1.0342% | 2,303 |
| Pretax return on assets | 1.4624% | 1,733 |
| Return on Equity (ROE) | 11.1762% | 1,758 |
| Retained earnings to average equity (ytd only) | 4.3823% | 3,485 |
| Net charge-offs to loans | 0.1632% | 2,808 |
| Credit loss provision to net charge-offs | 25.0941% | 3,659 |
| Earnings coverage of net charge-offs (x) | 15.7716% | 1,715 |
| Efficiency ratio | 65.1742% | 4,682 |
| Assets per employee ($millions) | 3.6031% | 4,616 |
| Cash dividends to net income (ytd only)* | 60.7886% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2042% | 4,968 |
| Loan loss allowance to noncurrent loans | 269.4005% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 5,520 |
| Noncurrent loans to loans | 0.4470% | 5,144 |
| Net loans and leases to total assets | 56.0564% | 4,278 |
| Net loans and leases to deposits | 65.7857% | 4,289 |
| Net loans and leases to core deposits | 66.5318% | 4,638 |
| Total domestic deposits to total assets | 85.2107% | 3,790 |
| Equity capital to assets | 9.2390% | 4,934 |
| Core capital (leverage) ratio | 8.8692% | 5,193 |
| Tier 1 risk-based capital ratio | 14.5435% | 4,073 |
| Total risk-based capital ratio | 15.6691% | 4,111 |
| Memoranda: | ||
| Average total assets | $1,765,555,330 | 394 |
| Average earning assets | $1,653,625,670 | 377 |
| Average equity | $163,383,000 | 463 |
| Average total loans | $976,635,330 | 433 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2470% | 6,244 |
| Cost of funding earning assets | 0.4246% | 4,868 |
| Net interest margin | 2.8224% | 5,990 |
| Noninterest income to average assets | 1.4827% | 704 |
| Noninterest expense to average assets | 2.7605% | 3,827 |
| Loan and lease loss provision to assets | 0.0227% | 4,181 |
| Net operating income to assets | 0.9446% | 2,455 |
| Return on assets (ROA) | 1.0283% | 2,226 |
| Pretax return on assets | 1.4619% | 1,677 |
| Return on Equity (ROE) | 11.1026% | 1,679 |
| Retained earnings to average equity (ytd only) | 4.3686% | 3,615 |
| Net charge-offs to loans | 0.3281% | 1,656 |
| Credit loss provision to net charge-offs | 12.6582% | 3,118 |
| Earnings coverage of net charge-offs (x) | 7.6190% | 2,041 |
| Efficiency ratio | 66.2965% | 4,617 |
| Assets per employee ($millions) | 3.8124% | 4,329 |
| Cash dividends to net income (ytd only)* | 60.6528% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 4,960 |
| Loan loss allowance to noncurrent loans | 291.7072% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 5,701 |
| Noncurrent loans to loans | 0.4277% | 5,349 |
| Net loans and leases to total assets | 52.4311% | 4,636 |
| Net loans and leases to deposits | 60.1157% | 4,781 |
| Net loans and leases to core deposits | 60.7287% | 5,075 |
| Total domestic deposits to total assets | 87.2170% | 2,819 |
| Equity capital to assets | 9.0756% | 5,394 |
| Core capital (leverage) ratio | 9.0324% | 4,831 |
| Tier 1 risk-based capital ratio | 15.0587% | 3,795 |
| Total risk-based capital ratio | 16.2312% | 3,805 |
| Memoranda: | ||
| Average total assets | $1,763,761,000 | 396 |
| Average earning assets | $1,651,513,000 | 387 |
| Average equity | $163,348,500 | 471 |
| Average total loans | $963,049,500 | 441 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6538% | 6,128 |
| Cost of funding earning assets | 0.6031% | 4,320 |
| Net interest margin | 3.0507% | 5,929 |
| Noninterest income to average assets | 1.5137% | 685 |
| Noninterest expense to average assets | 2.7732% | 4,128 |
| Loan and lease loss provision to assets | 0.0495% | 5,199 |
| Net operating income to assets | 1.0767% | 2,023 |
| Return on assets (ROA) | 1.1096% | 2,087 |
| Pretax return on assets | 1.5885% | 1,419 |
| Return on Equity (ROE) | 11.8595% | 1,545 |
| Retained earnings to average equity (ytd only) | 4.9663% | 2,726 |
| Net charge-offs to loans | 0.0450% | 5,279 |
| Credit loss provision to net charge-offs | 199.2925% | 1,309 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 559 |
| Efficiency ratio | 62.9140% | 5,097 |
| Assets per employee ($millions) | 3.5177% | 4,974 |
| Cash dividends to net income (ytd only)* | 58.1242% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,552 |
| Loan loss allowance to noncurrent loans | 204.5968% | 1,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 5,442 |
| Noncurrent loans to loans | 0.6427% | 4,911 |
| Net loans and leases to total assets | 55.4544% | 4,387 |
| Net loans and leases to deposits | 64.8716% | 4,445 |
| Net loans and leases to core deposits | 65.6030% | 4,781 |
| Total domestic deposits to total assets | 85.4834% | 3,620 |
| Equity capital to assets | 9.4574% | 4,925 |
| Core capital (leverage) ratio | 8.8035% | 5,173 |
| Tier 1 risk-based capital ratio | 14.9243% | 3,762 |
| Total risk-based capital ratio | 16.1680% | 3,715 |
| Memoranda: | ||
| Average total assets | $1,705,572,000 | 404 |
| Average earning assets | $1,593,668,600 | 386 |
| Average equity | $159,576,200 | 468 |
| Average total loans | $942,967,400 | 441 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 6,214 |
| Cost of funding earning assets | 0.6386% | 4,292 |
| Net interest margin | 3.0655% | 6,031 |
| Noninterest income to average assets | 1.5058% | 657 |
| Noninterest expense to average assets | 2.7691% | 4,095 |
| Loan and lease loss provision to assets | 0.0583% | 4,999 |
| Net operating income to assets | 1.0757% | 2,188 |
| Return on assets (ROA) | 1.1111% | 2,244 |
| Pretax return on assets | 1.5961% | 1,587 |
| Return on Equity (ROE) | 11.9078% | 1,664 |
| Retained earnings to average equity (ytd only) | 4.9847% | 3,370 |
| Net charge-offs to loans | 0.0492% | 4,966 |
| Credit loss provision to net charge-offs | 215.3179% | 1,292 |
| Earnings coverage of net charge-offs (x) | 59.2025% | 657 |
| Efficiency ratio | 62.6887% | 5,036 |
| Assets per employee ($millions) | 3.5308% | 4,902 |
| Cash dividends to net income (ytd only)* | 58.1396% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,630 |
| Loan loss allowance to noncurrent loans | 249.3207% | 1,460 |
| Noncurrent assets plus other real estate owned to assets | 0.3376% | 5,847 |
| Noncurrent loans to loans | 0.5377% | 5,369 |
| Net loans and leases to total assets | 53.5358% | 4,815 |
| Net loans and leases to deposits | 61.8969% | 4,979 |
| Net loans and leases to core deposits | 62.6326% | 5,300 |
| Total domestic deposits to total assets | 86.4918% | 2,986 |
| Equity capital to assets | 9.3493% | 5,406 |
| Core capital (leverage) ratio | 9.0953% | 4,922 |
| Tier 1 risk-based capital ratio | 15.0740% | 3,796 |
| Total risk-based capital ratio | 16.3244% | 3,748 |
| Memoranda: | ||
| Average total assets | $1,702,807,750 | 402 |
| Average earning assets | $1,592,655,750 | 385 |
| Average equity | $158,883,250 | 467 |
| Average total loans | $937,551,250 | 440 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 6,212 |
| Cost of funding earning assets | 0.7000% | 4,012 |
| Net interest margin | 3.0682% | 6,080 |
| Noninterest income to average assets | 1.4846% | 660 |
| Noninterest expense to average assets | 2.7850% | 4,076 |
| Loan and lease loss provision to assets | 0.0704% | 4,749 |
| Net operating income to assets | 1.0517% | 2,242 |
| Return on assets (ROA) | 1.1051% | 2,243 |
| Pretax return on assets | 1.5804% | 1,603 |
| Return on Equity (ROE) | 11.8518% | 1,716 |
| Retained earnings to average equity (ytd only) | 4.8719% | 3,353 |
| Net charge-offs to loans | 0.0573% | 4,611 |
| Credit loss provision to net charge-offs | 222.0149% | 1,281 |
| Earnings coverage of net charge-offs (x) | 49.6493% | 740 |
| Efficiency ratio | 63.2349% | 5,047 |
| Assets per employee ($millions) | 3.3616% | 5,299 |
| Cash dividends to net income (ytd only)* | 58.8928% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3391% | 4,707 |
| Loan loss allowance to noncurrent loans | 218.8978% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 5,802 |
| Noncurrent loans to loans | 0.6117% | 5,290 |
| Net loans and leases to total assets | 55.5265% | 4,539 |
| Net loans and leases to deposits | 64.0528% | 4,761 |
| Net loans and leases to core deposits | 64.8816% | 5,116 |
| Total domestic deposits to total assets | 86.6888% | 2,962 |
| Equity capital to assets | 9.5744% | 4,944 |
| Core capital (leverage) ratio | 8.8240% | 5,175 |
| Tier 1 risk-based capital ratio | 15.0047% | 3,768 |
| Total risk-based capital ratio | 16.2552% | 3,719 |
| Memoranda: | ||
| Average total assets | $1,690,177,670 | 405 |
| Average earning assets | $1,583,738,330 | 389 |
| Average equity | $157,596,670 | 466 |
| Average total loans | $935,215,330 | 446 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7945% | 6,255 |
| Cost of funding earning assets | 0.7174% | 4,131 |
| Net interest margin | 3.0771% | 6,114 |
| Noninterest income to average assets | 1.4271% | 713 |
| Noninterest expense to average assets | 2.8260% | 3,922 |
| Loan and lease loss provision to assets | 0.0624% | 4,638 |
| Net operating income to assets | 1.0049% | 2,465 |
| Return on assets (ROA) | 1.0888% | 2,325 |
| Pretax return on assets | 1.5424% | 1,766 |
| Return on Equity (ROE) | 11.8326% | 1,723 |
| Retained earnings to average equity (ytd only) | 4.8000% | 3,672 |
| Net charge-offs to loans | 0.0922% | 3,598 |
| Credit loss provision to net charge-offs | 123.2558% | 1,941 |
| Earnings coverage of net charge-offs (x) | 29.3860% | 934 |
| Efficiency ratio | 64.8570% | 4,768 |
| Assets per employee ($millions) | 3.5651% | 4,967 |
| Cash dividends to net income (ytd only)* | 59.4338% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 4,956 |
| Loan loss allowance to noncurrent loans | 361.0085% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 6,314 |
| Noncurrent loans to loans | 0.3643% | 5,943 |
| Net loans and leases to total assets | 53.5467% | 4,797 |
| Net loans and leases to deposits | 61.6370% | 4,968 |
| Net loans and leases to core deposits | 62.6178% | 5,260 |
| Total domestic deposits to total assets | 86.8743% | 3,029 |
| Equity capital to assets | 9.1177% | 5,332 |
| Core capital (leverage) ratio | 8.8423% | 5,079 |
| Tier 1 risk-based capital ratio | 14.7891% | 3,899 |
| Total risk-based capital ratio | 16.0392% | 3,859 |
| Memoranda: | ||
| Average total assets | $1,699,920,000 | 403 |
| Average earning assets | $1,594,106,000 | 384 |
| Average equity | $156,415,500 | 466 |
| Average total loans | $932,688,500 | 448 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 6,130 |
| Cost of funding earning assets | 0.9966% | 3,406 |
| Net interest margin | 3.1775% | 6,157 |
| Noninterest income to average assets | 1.3691% | 683 |
| Noninterest expense to average assets | 2.8379% | 4,204 |
| Loan and lease loss provision to assets | 0.0433% | 6,034 |
| Net operating income to assets | 1.0263% | 2,101 |
| Return on assets (ROA) | 1.1434% | 1,801 |
| Pretax return on assets | 1.6365% | 1,130 |
| Return on Equity (ROE) | 12.4055% | 1,297 |
| Retained earnings to average equity (ytd only) | 4.4085% | 3,035 |
| Net charge-offs to loans | 0.0512% | 5,805 |
| Credit loss provision to net charge-offs | 150.6276% | 1,870 |
| Earnings coverage of net charge-offs (x) | 52.5941% | 533 |
| Efficiency ratio | 64.6148% | 5,017 |
| Assets per employee ($millions) | 3.4737% | 5,087 |
| Cash dividends to net income (ytd only)* | 64.4635% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 4,802 |
| Loan loss allowance to noncurrent loans | 302.9644% | 1,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2692% | 6,293 |
| Noncurrent loans to loans | 0.4357% | 5,838 |
| Net loans and leases to total assets | 54.7590% | 4,916 |
| Net loans and leases to deposits | 65.9115% | 4,746 |
| Net loans and leases to core deposits | 67.3434% | 5,114 |
| Total domestic deposits to total assets | 83.0795% | 4,717 |
| Equity capital to assets | 9.2876% | 5,164 |
| Core capital (leverage) ratio | 8.6421% | 5,328 |
| Tier 1 risk-based capital ratio | 14.6392% | 3,871 |
| Total risk-based capital ratio | 15.8893% | 3,852 |
| Memoranda: | ||
| Average total assets | $1,662,010,400 | 400 |
| Average earning assets | $1,559,443,400 | 384 |
| Average equity | $153,182,200 | 458 |
| Average total loans | $933,463,600 | 449 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2461% | 6,093 |
| Cost of funding earning assets | 1.0463% | 3,343 |
| Net interest margin | 3.1998% | 6,162 |
| Noninterest income to average assets | 1.3373% | 732 |
| Noninterest expense to average assets | 2.8635% | 4,088 |
| Loan and lease loss provision to assets | 0.0374% | 5,970 |
| Net operating income to assets | 1.0022% | 2,311 |
| Return on assets (ROA) | 1.1585% | 1,896 |
| Pretax return on assets | 1.6639% | 1,220 |
| Return on Equity (ROE) | 12.5946% | 1,388 |
| Retained earnings to average equity (ytd only) | 4.2943% | 3,674 |
| Net charge-offs to loans | 0.0414% | 5,573 |
| Credit loss provision to net charge-offs | 160.3448% | 1,918 |
| Earnings coverage of net charge-offs (x) | 63.4098% | 520 |
| Efficiency ratio | 65.3634% | 4,835 |
| Assets per employee ($millions) | 3.3856% | 5,280 |
| Cash dividends to net income (ytd only)* | 65.9036% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 4,886 |
| Loan loss allowance to noncurrent loans | 384.0365% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2019% | 6,557 |
| Noncurrent loans to loans | 0.3459% | 6,157 |
| Net loans and leases to total assets | 54.2857% | 5,128 |
| Net loans and leases to deposits | 64.9005% | 5,060 |
| Net loans and leases to core deposits | 66.4581% | 5,368 |
| Total domestic deposits to total assets | 83.6445% | 4,406 |
| Equity capital to assets | 9.4906% | 5,107 |
| Core capital (leverage) ratio | 8.8326% | 5,208 |
| Tier 1 risk-based capital ratio | 15.0500% | 3,633 |
| Total risk-based capital ratio | 16.3006% | 3,602 |
| Memoranda: | ||
| Average total assets | $1,658,932,250 | 402 |
| Average earning assets | $1,557,532,500 | 386 |
| Average equity | $152,601,750 | 467 |
| Average total loans | $934,553,000 | 452 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 6,024 |
| Cost of funding earning assets | 1.1053% | 3,207 |
| Net interest margin | 3.1950% | 6,174 |
| Noninterest income to average assets | 1.2909% | 756 |
| Noninterest expense to average assets | 2.6831% | 4,889 |
| Loan and lease loss provision to assets | 0.0387% | 5,832 |
| Net operating income to assets | 1.0967% | 1,877 |
| Return on assets (ROA) | 1.1820% | 1,716 |
| Pretax return on assets | 1.6995% | 1,059 |
| Return on Equity (ROE) | 12.9876% | 1,202 |
| Retained earnings to average equity (ytd only) | 6.0186% | 2,417 |
| Net charge-offs to loans | 0.0468% | 5,199 |
| Credit loss provision to net charge-offs | 145.4545% | 2,107 |
| Earnings coverage of net charge-offs (x) | 60.8182% | 537 |
| Efficiency ratio | 61.8404% | 5,607 |
| Assets per employee ($millions) | 3.3838% | 5,244 |
| Cash dividends to net income (ytd only)* | 53.6590% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 5,005 |
| Loan loss allowance to noncurrent loans | 402.1898% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 6,635 |
| Noncurrent loans to loans | 0.3262% | 6,262 |
| Net loans and leases to total assets | 56.0157% | 4,993 |
| Net loans and leases to deposits | 70.2907% | 4,400 |
| Net loans and leases to core deposits | 71.8248% | 4,841 |
| Total domestic deposits to total assets | 79.6914% | 5,901 |
| Equity capital to assets | 9.5669% | 4,713 |
| Core capital (leverage) ratio | 8.4618% | 5,610 |
| Tier 1 risk-based capital ratio | 14.8307% | 3,594 |
| Total risk-based capital ratio | 16.0812% | 3,560 |
| Memoranda: | ||
| Average total assets | $1,655,549,670 | 407 |
| Average earning assets | $1,558,911,670 | 391 |
| Average equity | $150,667,000 | 473 |
| Average total loans | $939,981,000 | 456 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 6,053 |
| Cost of funding earning assets | 1.1256% | 3,326 |
| Net interest margin | 3.1601% | 6,189 |
| Noninterest income to average assets | 1.2075% | 875 |
| Noninterest expense to average assets | 2.6652% | 4,979 |
| Loan and lease loss provision to assets | 0.0455% | 5,430 |
| Net operating income to assets | 1.0321% | 2,063 |
| Return on assets (ROA) | 1.1230% | 1,805 |
| Pretax return on assets | 1.6139% | 1,154 |
| Return on Equity (ROE) | 12.6553% | 1,287 |
| Retained earnings to average equity (ytd only) | 6.1751% | 2,537 |
| Net charge-offs to loans | 0.0616% | 4,309 |
| Credit loss provision to net charge-offs | 130.1370% | 2,128 |
| Earnings coverage of net charge-offs (x) | 43.7260% | 637 |
| Efficiency ratio | 63.0740% | 5,510 |
| Assets per employee ($millions) | 3.6514% | 4,650 |
| Cash dividends to net income (ytd only)* | 51.2055% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 5,232 |
| Loan loss allowance to noncurrent loans | 565.7290% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.1256% | 6,851 |
| Noncurrent loans to loans | 0.2262% | 6,525 |
| Net loans and leases to total assets | 54.8187% | 5,188 |
| Net loans and leases to deposits | 68.2575% | 4,640 |
| Net loans and leases to core deposits | 69.6350% | 5,094 |
| Total domestic deposits to total assets | 80.3115% | 5,864 |
| Equity capital to assets | 8.9104% | 5,331 |
| Core capital (leverage) ratio | 8.4014% | 5,623 |
| Tier 1 risk-based capital ratio | 14.2572% | 3,902 |
| Total risk-based capital ratio | 15.5055% | 3,864 |
| Memoranda: | ||
| Average total assets | $1,669,510,000 | 407 |
| Average earning assets | $1,578,165,500 | 388 |
| Average equity | $148,144,000 | 476 |
| Average total loans | $948,047,000 | 459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7162% | 5,751 |
| Cost of funding earning assets | 1.2970% | 3,906 |
| Net interest margin | 3.4192% | 5,555 |
| Noninterest income to average assets | 1.0647% | 1,322 |
| Noninterest expense to average assets | 2.6625% | 5,163 |
| Loan and lease loss provision to assets | 0.0690% | 6,459 |
| Net operating income to assets | 1.0935% | 1,717 |
| Return on assets (ROA) | 1.1577% | 1,604 |
| Pretax return on assets | 1.6571% | 1,026 |
| Return on Equity (ROE) | 13.0501% | 1,077 |
| Retained earnings to average equity (ytd only) | 5.3242% | 2,233 |
| Net charge-offs to loans | 0.0559% | 6,231 |
| Credit loss provision to net charge-offs | 213.8462% | 1,422 |
| Earnings coverage of net charge-offs (x) | 50.6692% | 459 |
| Efficiency ratio | 61.6878% | 5,779 |
| Assets per employee ($millions) | 3.7383% | 4,388 |
| Cash dividends to net income (ytd only)* | 59.2017% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 5,199 |
| Loan loss allowance to noncurrent loans | 270.7883% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2705% | 6,573 |
| Noncurrent loans to loans | 0.4658% | 6,113 |
| Net loans and leases to total assets | 57.3534% | 5,133 |
| Net loans and leases to deposits | 72.6343% | 4,408 |
| Net loans and leases to core deposits | 73.9100% | 4,989 |
| Total domestic deposits to total assets | 78.9619% | 6,090 |
| Equity capital to assets | 8.8353% | 5,384 |
| Core capital (leverage) ratio | 8.2901% | 5,699 |
| Tier 1 risk-based capital ratio | 14.2933% | 3,682 |
| Total risk-based capital ratio | 15.5299% | 3,647 |
| Memoranda: | ||
| Average total assets | $1,612,181,800 | 422 |
| Average earning assets | $1,523,985,200 | 405 |
| Average equity | $143,026,000 | 484 |
| Average total loans | $931,008,000 | 484 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7836% | 5,727 |
| Cost of funding earning assets | 1.3035% | 4,192 |
| Net interest margin | 3.4801% | 5,375 |
| Noninterest income to average assets | 1.0500% | 1,308 |
| Noninterest expense to average assets | 2.6774% | 4,971 |
| Loan and lease loss provision to assets | 0.0785% | 6,265 |
| Net operating income to assets | 1.1055% | 1,868 |
| Return on assets (ROA) | 1.1915% | 1,704 |
| Pretax return on assets | 1.7023% | 1,114 |
| Return on Equity (ROE) | 13.4169% | 1,158 |
| Retained earnings to average equity (ytd only) | 5.5593% | 2,615 |
| Net charge-offs to loans | 0.0598% | 5,911 |
| Credit loss provision to net charge-offs | 227.7108% | 1,509 |
| Earnings coverage of net charge-offs (x) | 48.0891% | 583 |
| Efficiency ratio | 61.4801% | 5,711 |
| Assets per employee ($millions) | 3.7697% | 4,343 |
| Cash dividends to net income (ytd only)* | 58.5652% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2634% | 5,148 |
| Loan loss allowance to noncurrent loans | 337.5953% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.2098% | 6,842 |
| Noncurrent loans to loans | 0.3742% | 6,444 |
| Net loans and leases to total assets | 55.3490% | 5,648 |
| Net loans and leases to deposits | 71.0935% | 4,981 |
| Net loans and leases to core deposits | 72.8827% | 5,417 |
| Total domestic deposits to total assets | 77.8539% | 6,285 |
| Equity capital to assets | 8.7267% | 5,972 |
| Core capital (leverage) ratio | 8.6383% | 5,287 |
| Tier 1 risk-based capital ratio | 14.2513% | 3,663 |
| Total risk-based capital ratio | 15.4949% | 3,628 |
| Memoranda: | ||
| Average total assets | $1,604,945,000 | 420 |
| Average earning assets | $1,515,110,750 | 404 |
| Average equity | $142,532,750 | 477 |
| Average total loans | $925,443,500 | 486 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 5,304 |
| Cost of funding earning assets | 1.3375% | 4,277 |
| Net interest margin | 3.5840% | 4,882 |
| Noninterest income to average assets | 1.0299% | 1,282 |
| Noninterest expense to average assets | 2.6970% | 4,925 |
| Loan and lease loss provision to assets | 0.0780% | 6,163 |
| Net operating income to assets | 1.1417% | 1,720 |
| Return on assets (ROA) | 1.2181% | 1,577 |
| Pretax return on assets | 1.7465% | 965 |
| Return on Equity (ROE) | 13.6321% | 1,112 |
| Retained earnings to average equity (ytd only) | 5.6842% | 2,507 |
| Net charge-offs to loans | 0.0605% | 5,545 |
| Credit loss provision to net charge-offs | 221.2230% | 1,763 |
| Earnings coverage of net charge-offs (x) | 48.6511% | 608 |
| Efficiency ratio | 60.8462% | 5,886 |
| Assets per employee ($millions) | 3.4895% | 4,953 |
| Cash dividends to net income (ytd only)* | 58.3030% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2627% | 5,120 |
| Loan loss allowance to noncurrent loans | 299.4656% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2503% | 6,779 |
| Noncurrent loans to loans | 0.4217% | 6,400 |
| Net loans and leases to total assets | 58.6054% | 5,314 |
| Net loans and leases to deposits | 75.6346% | 4,395 |
| Net loans and leases to core deposits | 77.9824% | 4,955 |
| Total domestic deposits to total assets | 77.4850% | 6,395 |
| Equity capital to assets | 9.3033% | 4,999 |
| Core capital (leverage) ratio | 8.5173% | 5,378 |
| Tier 1 risk-based capital ratio | 14.3903% | 3,498 |
| Total risk-based capital ratio | 15.6403% | 3,471 |
| Memoranda: | ||
| Average total assets | $1,576,987,000 | 431 |
| Average earning assets | $1,488,274,330 | 413 |
| Average equity | $140,917,670 | 479 |
| Average total loans | $918,356,000 | 488 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9082% | 5,429 |
| Cost of funding earning assets | 1.3179% | 4,704 |
| Net interest margin | 3.5903% | 4,774 |
| Noninterest income to average assets | 1.0005% | 1,307 |
| Noninterest expense to average assets | 2.6232% | 5,255 |
| Loan and lease loss provision to assets | 0.0759% | 5,884 |
| Net operating income to assets | 1.1835% | 1,584 |
| Return on assets (ROA) | 1.1835% | 1,663 |
| Pretax return on assets | 1.6877% | 1,084 |
| Return on Equity (ROE) | 13.5209% | 1,139 |
| Retained earnings to average equity (ytd only) | 5.4246% | 2,915 |
| Net charge-offs to loans | 0.0720% | 4,697 |
| Credit loss provision to net charge-offs | 182.9268% | 2,001 |
| Earnings coverage of net charge-offs (x) | 42.4878% | 653 |
| Efficiency ratio | 59.5027% | 6,260 |
| Assets per employee ($millions) | 3.7124% | 4,546 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 5,119 |
| Loan loss allowance to noncurrent loans | 387.1151% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 6,989 |
| Noncurrent loans to loans | 0.3269% | 6,645 |
| Net loans and leases to total assets | 56.8045% | 5,637 |
| Net loans and leases to deposits | 72.1848% | 5,026 |
| Net loans and leases to core deposits | 74.9738% | 5,390 |
| Total domestic deposits to total assets | 78.6932% | 6,155 |
| Equity capital to assets | 8.8173% | 5,515 |
| Core capital (leverage) ratio | 8.5044% | 5,365 |
| Tier 1 risk-based capital ratio | 14.4427% | 3,417 |
| Total risk-based capital ratio | 15.6929% | 3,382 |
| Memoranda: | ||
| Average total assets | $1,580,352,000 | 443 |
| Average earning assets | $1,490,581,000 | 426 |
| Average equity | $138,333,500 | 493 |
| Average total loans | $911,521,500 | 513 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 5,823 |
| Cost of funding earning assets | 1.5227% | 5,419 |
| Net interest margin | 3.6389% | 4,389 |
| Noninterest income to average assets | 1.2608% | 949 |
| Noninterest expense to average assets | 2.8010% | 4,970 |
| Loan and lease loss provision to assets | 0.0947% | 6,663 |
| Net operating income to assets | 1.2578% | 1,117 |
| Return on assets (ROA) | 1.2737% | 1,143 |
| Pretax return on assets | 1.8297% | 593 |
| Return on Equity (ROE) | 14.4875% | 715 |
| Retained earnings to average equity (ytd only) | 6.6810% | 1,081 |
| Net charge-offs to loans | 0.0939% | 6,191 |
| Credit loss provision to net charge-offs | 167.7686% | 2,568 |
| Earnings coverage of net charge-offs (x) | 33.6954% | 691 |
| Efficiency ratio | 59.2360% | 6,589 |
| Assets per employee ($millions) | 3.6384% | 4,674 |
| Cash dividends to net income (ytd only)* | 53.8844% | 2,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 5,000 |
| Loan loss allowance to noncurrent loans | 268.2704% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.2745% | 6,770 |
| Noncurrent loans to loans | 0.4688% | 6,319 |
| Net loans and leases to total assets | 57.0986% | 5,804 |
| Net loans and leases to deposits | 73.5113% | 5,118 |
| Net loans and leases to core deposits | 81.2971% | 5,977 |
| Total domestic deposits to total assets | 77.6733% | 6,307 |
| Equity capital to assets | 8.6887% | 5,602 |
| Core capital (leverage) ratio | 8.3028% | 5,610 |
| Tier 1 risk-based capital ratio | 14.4199% | 3,252 |
| Total risk-based capital ratio | 15.6701% | 3,202 |
| Memoranda: | ||
| Average total assets | $1,500,768,000 | 456 |
| Average earning assets | $1,419,511,400 | 443 |
| Average equity | $131,941,000 | 509 |
| Average total loans | $902,219,000 | 526 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1736% | 5,995 |
| Cost of funding earning assets | 1.5375% | 5,680 |
| Net interest margin | 3.6361% | 4,346 |
| Noninterest income to average assets | 1.3328% | 866 |
| Noninterest expense to average assets | 2.8145% | 4,828 |
| Loan and lease loss provision to assets | 0.0936% | 6,430 |
| Net operating income to assets | 1.2971% | 1,227 |
| Return on assets (ROA) | 1.3166% | 1,256 |
| Pretax return on assets | 1.8997% | 657 |
| Return on Equity (ROE) | 14.9291% | 781 |
| Retained earnings to average equity (ytd only) | 7.2831% | 1,402 |
| Net charge-offs to loans | 0.0916% | 5,772 |
| Credit loss provision to net charge-offs | 168.1745% | 2,782 |
| Earnings coverage of net charge-offs (x) | 35.3103% | 825 |
| Efficiency ratio | 58.5550% | 6,639 |
| Assets per employee ($millions) | 3.5755% | 4,744 |
| Cash dividends to net income (ytd only)* | 51.2155% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 4,818 |
| Loan loss allowance to noncurrent loans | 266.1397% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.2694% | 6,829 |
| Noncurrent loans to loans | 0.4700% | 6,379 |
| Net loans and leases to total assets | 56.5970% | 6,080 |
| Net loans and leases to deposits | 73.5325% | 5,439 |
| Net loans and leases to core deposits | 82.5339% | 6,148 |
| Total domestic deposits to total assets | 76.9688% | 6,342 |
| Equity capital to assets | 8.6235% | 6,081 |
| Core capital (leverage) ratio | 8.5722% | 5,345 |
| Tier 1 risk-based capital ratio | 14.4819% | 3,288 |
| Total risk-based capital ratio | 15.7321% | 3,234 |
| Memoranda: | ||
| Average total assets | $1,483,010,750 | 473 |
| Average earning assets | $1,405,776,000 | 461 |
| Average equity | $130,784,000 | 522 |
| Average total loans | $900,547,500 | 545 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2721% | 5,783 |
| Cost of funding earning assets | 1.5861% | 5,786 |
| Net interest margin | 3.6860% | 4,012 |
| Noninterest income to average assets | 1.5029% | 655 |
| Noninterest expense to average assets | 2.8995% | 4,499 |
| Loan and lease loss provision to assets | 0.0986% | 6,187 |
| Net operating income to assets | 1.3854% | 1,054 |
| Return on assets (ROA) | 1.4118% | 1,069 |
| Pretax return on assets | 2.0388% | 511 |
| Return on Equity (ROE) | 15.8815% | 715 |
| Retained earnings to average equity (ytd only) | 8.4487% | 1,080 |
| Net charge-offs to loans | 0.0995% | 5,166 |
| Credit loss provision to net charge-offs | 159.8214% | 2,876 |
| Earnings coverage of net charge-offs (x) | 34.0402% | 914 |
| Efficiency ratio | 57.6775% | 6,912 |
| Assets per employee ($millions) | 3.3859% | 5,102 |
| Cash dividends to net income (ytd only)* | 46.8019% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 4,620 |
| Loan loss allowance to noncurrent loans | 333.2834% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 6,835 |
| Noncurrent loans to loans | 0.3744% | 6,578 |
| Net loans and leases to total assets | 60.0538% | 5,671 |
| Net loans and leases to deposits | 79.5016% | 4,621 |
| Net loans and leases to core deposits | 89.2202% | 5,607 |
| Total domestic deposits to total assets | 75.5379% | 6,649 |
| Equity capital to assets | 9.0060% | 5,306 |
| Core capital (leverage) ratio | 8.7030% | 5,082 |
| Tier 1 risk-based capital ratio | 14.3713% | 3,320 |
| Total risk-based capital ratio | 15.6214% | 3,259 |
| Memoranda: | ||
| Average total assets | $1,452,941,000 | 497 |
| Average earning assets | $1,377,982,330 | 476 |
| Average equity | $129,156,330 | 535 |
| Average total loans | $900,171,670 | 554 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3012% | 5,886 |
| Cost of funding earning assets | 1.5891% | 6,076 |
| Net interest margin | 3.7121% | 3,838 |
| Noninterest income to average assets | 1.8294% | 413 |
| Noninterest expense to average assets | 2.8283% | 4,434 |
| Loan and lease loss provision to assets | 0.1126% | 5,523 |
| Net operating income to assets | 1.6468% | 722 |
| Return on assets (ROA) | 1.6989% | 711 |
| Pretax return on assets | 2.4879% | 267 |
| Return on Equity (ROE) | 19.2395% | 483 |
| Retained earnings to average equity (ytd only) | 11.7228% | 844 |
| Net charge-offs to loans | 0.1097% | 4,093 |
| Credit loss provision to net charge-offs | 164.1129% | 2,600 |
| Earnings coverage of net charge-offs (x) | 36.7984% | 908 |
| Efficiency ratio | 52.5190% | 7,362 |
| Assets per employee ($millions) | 3.4779% | 4,872 |
| Cash dividends to net income (ytd only)* | 39.0689% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 4,612 |
| Loan loss allowance to noncurrent loans | 307.3661% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2926% | 6,642 |
| Noncurrent loans to loans | 0.3990% | 6,421 |
| Net loans and leases to total assets | 60.4498% | 5,581 |
| Net loans and leases to deposits | 79.1180% | 4,755 |
| Net loans and leases to core deposits | 87.8964% | 5,751 |
| Total domestic deposits to total assets | 76.4046% | 6,431 |
| Equity capital to assets | 8.9035% | 5,472 |
| Core capital (leverage) ratio | 8.7704% | 5,034 |
| Tier 1 risk-based capital ratio | 13.9407% | 3,625 |
| Total risk-based capital ratio | 15.1703% | 3,558 |
| Memoranda: | ||
| Average total assets | $1,446,366,000 | 501 |
| Average earning assets | $1,372,604,500 | 484 |
| Average equity | $127,716,500 | 538 |
| Average total loans | $904,473,000 | 558 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7742% | 6,522 |
| Cost of funding earning assets | 1.9689% | 6,511 |
| Net interest margin | 3.8053% | 3,994 |
| Noninterest income to average assets | 1.1658% | 1,137 |
| Noninterest expense to average assets | 2.7214% | 5,170 |
| Loan and lease loss provision to assets | 0.0986% | 6,122 |
| Net operating income to assets | 1.3411% | 1,369 |
| Return on assets (ROA) | 1.3167% | 1,395 |
| Pretax return on assets | 1.8870% | 786 |
| Return on Equity (ROE) | 14.8123% | 952 |
| Retained earnings to average equity (ytd only) | 4.6345% | 2,240 |
| Net charge-offs to loans | 0.0884% | 5,480 |
| Credit loss provision to net charge-offs | 178.1210% | 2,838 |
| Earnings coverage of net charge-offs (x) | 36.4981% | 1,009 |
| Efficiency ratio | 57.0156% | 6,869 |
| Assets per employee ($millions) | 3.2684% | 5,294 |
| Cash dividends to net income (ytd only)* | 68.7118% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 4,599 |
| Loan loss allowance to noncurrent loans | 290.8385% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 6,280 |
| Noncurrent loans to loans | 0.4099% | 6,112 |
| Net loans and leases to total assets | 63.1461% | 5,428 |
| Net loans and leases to deposits | 82.6812% | 4,625 |
| Net loans and leases to core deposits | 93.3399% | 5,510 |
| Total domestic deposits to total assets | 76.3729% | 6,148 |
| Equity capital to assets | 8.7546% | 5,722 |
| Core capital (leverage) ratio | 8.3968% | 5,771 |
| Tier 1 risk-based capital ratio | 13.3419% | 3,901 |
| Total risk-based capital ratio | 14.5394% | 3,849 |
| Memoranda: | ||
| Average total assets | $1,403,687,800 | 495 |
| Average earning assets | $1,319,090,600 | 480 |
| Average equity | $124,781,600 | 544 |
| Average total loans | $878,794,200 | 558 |