Home > Interaudi Bank > Performance and Condition Ratios
Interaudi Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7343% | 2,606 |
| Cost of funding earning assets | 1.6071% | 1,672 |
| Net interest margin | 3.1271% | 3,034 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 1.7089% | 4,126 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3759% | 1,259 |
| Return on assets (ROA) | 1.3760% | 1,233 |
| Pretax return on assets | 1.8928% | 782 |
| Return on Equity (ROE) | 14.8900% | 1,307 |
| Retained earnings to average equity (ytd only) | 10.6928% | 859 |
| Net charge-offs to loans | 0.0136% | 2,149 |
| Credit loss provision to net charge-offs | -30.9524% | 4,445 |
| Earnings coverage of net charge-offs (x) | 264.8155% | 477 |
| Efficiency ratio | 46.9624% | 4,150 |
| Assets per employee ($millions) | 16.9249% | 152 |
| Cash dividends to net income (ytd only)* | 28.1953% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6793% | 4,153 |
| Loan loss allowance to noncurrent loans | 62.8152% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 907 |
| Noncurrent loans to loans | 1.0815% | 678 |
| Net loans and leases to total assets | 55.0000% | 3,280 |
| Net loans and leases to deposits | 64.9496% | 3,242 |
| Net loans and leases to core deposits | 118.3436% | 678 |
| Total domestic deposits to total assets | 84.6800% | 2,413 |
| Equity capital to assets | 9.9615% | 2,033 |
| Core capital (leverage) ratio | 10.5433% | 2,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8687% | 618 |
| Memoranda: | ||
| Average total assets | $2,305,110,800 | 501 |
| Average earning assets | $2,242,501,200 | 474 |
| Average equity | $212,994,600 | 511 |
| Average total loans | $1,237,128,000 | 615 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 2,499 |
| Cost of funding earning assets | 1.4940% | 1,627 |
| Net interest margin | 3.1919% | 2,936 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 1.7385% | 4,067 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.3987% | 1,318 |
| Return on assets (ROA) | 1.3980% | 1,310 |
| Pretax return on assets | 1.9191% | 842 |
| Return on Equity (ROE) | 15.4300% | 1,366 |
| Retained earnings to average equity (ytd only) | 9.7312% | 1,481 |
| Net charge-offs to loans | 0.0182% | 1,771 |
| Credit loss provision to net charge-offs | -60.1190% | 4,508 |
| Earnings coverage of net charge-offs (x) | 201.6548% | 595 |
| Efficiency ratio | 47.0665% | 4,085 |
| Assets per employee ($millions) | 16.1624% | 160 |
| Cash dividends to net income (ytd only)* | 36.9210% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6738% | 4,174 |
| Loan loss allowance to noncurrent loans | 62.3568% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 920 |
| Noncurrent loans to loans | 1.0805% | 736 |
| Net loans and leases to total assets | 57.3100% | 3,092 |
| Net loans and leases to deposits | 66.1180% | 3,119 |
| Net loans and leases to core deposits | 113.5876% | 746 |
| Total domestic deposits to total assets | 86.6800% | 1,987 |
| Equity capital to assets | 9.9693% | 1,844 |
| Core capital (leverage) ratio | 10.2701% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1395% | 688 |
| Memoranda: | ||
| Average total assets | $2,310,172,250 | 505 |
| Average earning assets | $2,248,029,500 | 475 |
| Average equity | $209,341,750 | 516 |
| Average total loans | $1,230,104,750 | 615 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 2,407 |
| Cost of funding earning assets | 1.3958% | 1,458 |
| Net interest margin | 3.2099% | 2,964 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 1.7021% | 4,144 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.4419% | 1,232 |
| Return on assets (ROA) | 1.4423% | 1,217 |
| Pretax return on assets | 1.9791% | 772 |
| Return on Equity (ROE) | 16.4300% | 1,199 |
| Retained earnings to average equity (ytd only) | 7.7505% | 2,053 |
| Net charge-offs to loans | 0.0276% | 1,332 |
| Credit loss provision to net charge-offs | -288.6905% | 4,578 |
| Earnings coverage of net charge-offs (x) | 139.4940% | 777 |
| Efficiency ratio | 46.0197% | 4,163 |
| Assets per employee ($millions) | 16.5143% | 153 |
| Cash dividends to net income (ytd only)* | 52.8265% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 4,244 |
| Loan loss allowance to noncurrent loans | 59.6158% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6273% | 850 |
| Noncurrent loans to loans | 1.0864% | 667 |
| Net loans and leases to total assets | 56.5800% | 3,078 |
| Net loans and leases to deposits | 65.2079% | 3,109 |
| Net loans and leases to core deposits | 109.2192% | 862 |
| Total domestic deposits to total assets | 86.7700% | 2,001 |
| Equity capital to assets | 9.5694% | 2,115 |
| Core capital (leverage) ratio | 9.5358% | 3,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7826% | 739 |
| Memoranda: | ||
| Average total assets | $2,347,532,667 | 488 |
| Average earning assets | $2,285,176,000 | 455 |
| Average equity | $206,077,333 | 511 |
| Average total loans | $1,217,353,000 | 610 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 2,369 |
| Cost of funding earning assets | 1.2942% | 1,241 |
| Net interest margin | 3.1838% | 3,149 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 1.6375% | 4,259 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.4406% | 1,306 |
| Return on assets (ROA) | 1.4421% | 1,276 |
| Pretax return on assets | 1.9817% | 806 |
| Return on Equity (ROE) | 17.1300% | 1,155 |
| Retained earnings to average equity (ytd only) | -0.4665% | 4,079 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 45.1642% | 4,260 |
| Assets per employee ($millions) | 17.8983% | 123 |
| Cash dividends to net income (ytd only)* | 102.7223% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6704% | 4,281 |
| Loan loss allowance to noncurrent loans | 58.1785% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 850 |
| Noncurrent loans to loans | 1.1523% | 611 |
| Net loans and leases to total assets | 51.6300% | 3,370 |
| Net loans and leases to deposits | 59.3248% | 3,379 |
| Net loans and leases to core deposits | 98.7978% | 1,137 |
| Total domestic deposits to total assets | 87.0300% | 2,250 |
| Equity capital to assets | 8.6796% | 2,756 |
| Core capital (leverage) ratio | 8.5450% | 4,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4019% | 796 |
| Memoranda: | ||
| Average total assets | $2,414,841,500 | 485 |
| Average earning assets | $2,351,652,500 | 449 |
| Average equity | $203,234,500 | 528 |
| Average total loans | $1,195,892,000 | 626 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9532% | 4,186 |
| Cost of funding earning assets | 0.5826% | 971 |
| Net interest margin | 2.3706% | 4,379 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 1.3618% | 4,531 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0048% | 2,547 |
| Return on assets (ROA) | 1.0017% | 2,506 |
| Pretax return on assets | 1.3776% | 1,831 |
| Return on Equity (ROE) | 12.9500% | 1,828 |
| Retained earnings to average equity (ytd only) | 10.1650% | 1,104 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.4553% | 4,215 |
| Assets per employee ($millions) | 20.2033% | 93 |
| Cash dividends to net income (ytd only)* | 21.5027% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 4,130 |
| Loan loss allowance to noncurrent loans | 78.1056% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4542% | 1,118 |
| Noncurrent loans to loans | 0.9621% | 773 |
| Net loans and leases to total assets | 46.8500% | 3,744 |
| Net loans and leases to deposits | 53.8047% | 3,688 |
| Net loans and leases to core deposits | 87.3775% | 1,661 |
| Total domestic deposits to total assets | 87.0800% | 2,369 |
| Equity capital to assets | 8.1674% | 2,954 |
| Core capital (leverage) ratio | 8.3379% | 4,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0733% | 709 |
| Memoranda: | ||
| Average total assets | $2,491,211,600 | 455 |
| Average earning assets | $2,444,616,400 | 431 |
| Average equity | $192,710,600 | 543 |
| Average total loans | $1,112,011,000 | 623 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5759% | 4,408 |
| Cost of funding earning assets | 0.4390% | 1,039 |
| Net interest margin | 2.1368% | 4,499 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 1.3648% | 4,537 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8485% | 3,074 |
| Return on assets (ROA) | 0.8451% | 3,059 |
| Pretax return on assets | 1.1522% | 2,551 |
| Return on Equity (ROE) | 11.0800% | 2,350 |
| Retained earnings to average equity (ytd only) | 7.3169% | 2,260 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.8051% | 3,940 |
| Assets per employee ($millions) | 20.9905% | 95 |
| Cash dividends to net income (ytd only)* | 33.9599% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 4,220 |
| Loan loss allowance to noncurrent loans | 99.9640% | 3,373 |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 1,598 |
| Noncurrent loans to loans | 0.7205% | 1,133 |
| Net loans and leases to total assets | 46.3400% | 3,736 |
| Net loans and leases to deposits | 52.5453% | 3,695 |
| Net loans and leases to core deposits | 80.4329% | 1,869 |
| Total domestic deposits to total assets | 88.1900% | 2,372 |
| Equity capital to assets | 7.8863% | 2,966 |
| Core capital (leverage) ratio | 7.8961% | 4,442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7525% | 756 |
| Memoranda: | ||
| Average total assets | $2,492,764,000 | 454 |
| Average earning assets | $2,450,591,000 | 430 |
| Average equity | $190,148,500 | 554 |
| Average total loans | $1,096,738,750 | 627 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2086% | 4,563 |
| Cost of funding earning assets | 0.3750% | 1,080 |
| Net interest margin | 1.8336% | 4,617 |
| Noninterest income to average assets | 0.4825% | 2,296 |
| Noninterest expense to average assets | 1.3430% | 4,571 |
| Loan and lease loss provision to assets | 0.0600% | 1,518 |
| Net operating income to assets | 0.6501% | 3,473 |
| Return on assets (ROA) | 0.6465% | 3,435 |
| Pretax return on assets | 0.8764% | 3,130 |
| Return on Equity (ROE) | 8.5713% | 2,840 |
| Retained earnings to average equity (ytd only) | 2.8755% | 3,483 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7998% | 3,458 |
| Assets per employee ($millions) | 22.5934% | 76 |
| Cash dividends to net income (ytd only)* | 66.4520% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7016% | 4,331 |
| Loan loss allowance to noncurrent loans | 108.6903% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 1,936 |
| Noncurrent loans to loans | 0.6455% | 1,326 |
| Net loans and leases to total assets | 42.2574% | 3,957 |
| Net loans and leases to deposits | 49.9951% | 3,810 |
| Net loans and leases to core deposits | 75.0786% | 2,085 |
| Total domestic deposits to total assets | 84.5230% | 3,584 |
| Equity capital to assets | 7.1747% | 3,679 |
| Core capital (leverage) ratio | 7.4644% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4457% | 791 |
| Memoranda: | ||
| Average total assets | $2,498,059,000 | 449 |
| Average earning assets | $2,454,458,000 | 430 |
| Average equity | $188,420,000 | 567 |
| Average total loans | $1,076,959,333 | 620 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0044% | 4,616 |
| Cost of funding earning assets | 0.3611% | 1,125 |
| Net interest margin | 1.6434% | 4,661 |
| Noninterest income to average assets | 0.4959% | 2,163 |
| Noninterest expense to average assets | 1.3469% | 4,586 |
| Loan and lease loss provision to assets | 0.0577% | 1,359 |
| Net operating income to assets | 0.5225% | 3,645 |
| Return on assets (ROA) | 0.5184% | 3,628 |
| Pretax return on assets | 0.6983% | 3,396 |
| Return on Equity (ROE) | 6.6943% | 3,132 |
| Retained earnings to average equity (ytd only) | -4.7348% | 4,414 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8895% | 3,039 |
| Assets per employee ($millions) | 21.3497% | 90 |
| Cash dividends to net income (ytd only)* | 170.7286% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6945% | 4,393 |
| Loan loss allowance to noncurrent loans | 94.3220% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3235% | 1,816 |
| Noncurrent loans to loans | 0.7363% | 1,292 |
| Net loans and leases to total assets | 43.6353% | 3,763 |
| Net loans and leases to deposits | 49.9981% | 3,730 |
| Net loans and leases to core deposits | 76.0735% | 1,779 |
| Total domestic deposits to total assets | 87.2739% | 2,825 |
| Equity capital to assets | 7.5799% | 3,874 |
| Core capital (leverage) ratio | 7.7606% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6204% | 808 |
| Memoranda: | ||
| Average total assets | $2,425,373,000 | 464 |
| Average earning assets | $2,379,518,000 | 439 |
| Average equity | $187,800,500 | 582 |
| Average total loans | $1,052,970,500 | 626 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0288% | 4,675 |
| Cost of funding earning assets | 0.3796% | 1,687 |
| Net interest margin | 1.6492% | 4,699 |
| Noninterest income to average assets | 0.4647% | 2,750 |
| Noninterest expense to average assets | 1.3579% | 4,649 |
| Loan and lease loss provision to assets | 0.0208% | 2,650 |
| Net operating income to assets | 0.5189% | 4,040 |
| Return on assets (ROA) | 0.5444% | 4,044 |
| Pretax return on assets | 0.7388% | 3,858 |
| Return on Equity (ROE) | 6.7249% | 3,595 |
| Retained earnings to average equity (ytd only) | 3.3830% | 3,466 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1199% | 2,381 |
| Assets per employee ($millions) | 21.1994% | 92 |
| Cash dividends to net income (ytd only)* | 49.6944% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6953% | 4,427 |
| Loan loss allowance to noncurrent loans | 89.8591% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 1,908 |
| Noncurrent loans to loans | 0.7738% | 1,318 |
| Net loans and leases to total assets | 42.5779% | 3,940 |
| Net loans and leases to deposits | 48.9370% | 3,946 |
| Net loans and leases to core deposits | 76.3010% | 1,894 |
| Total domestic deposits to total assets | 87.0054% | 2,517 |
| Equity capital to assets | 7.9105% | 4,413 |
| Core capital (leverage) ratio | 8.0269% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0215% | 556 |
| Memoranda: | ||
| Average total assets | $2,283,992,200 | 468 |
| Average earning assets | $2,244,244,000 | 447 |
| Average equity | $184,895,400 | 588 |
| Average total loans | $995,118,200 | 657 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0201% | 4,756 |
| Cost of funding earning assets | 0.3762% | 1,887 |
| Net interest margin | 1.6440% | 4,785 |
| Noninterest income to average assets | 0.4618% | 2,787 |
| Noninterest expense to average assets | 1.3686% | 4,707 |
| Loan and lease loss provision to assets | 0.0239% | 2,515 |
| Net operating income to assets | 0.4949% | 4,215 |
| Return on assets (ROA) | 0.5292% | 4,191 |
| Pretax return on assets | 0.7286% | 4,017 |
| Return on Equity (ROE) | 6.4980% | 3,797 |
| Retained earnings to average equity (ytd only) | 2.0143% | 4,182 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8740% | 2,112 |
| Assets per employee ($millions) | 20.5175% | 95 |
| Cash dividends to net income (ytd only)* | 69.0006% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6978% | 4,508 |
| Loan loss allowance to noncurrent loans | 88.9210% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 2,055 |
| Noncurrent loans to loans | 0.7847% | 1,441 |
| Net loans and leases to total assets | 43.7910% | 3,968 |
| Net loans and leases to deposits | 50.5981% | 3,979 |
| Net loans and leases to core deposits | 80.3779% | 1,698 |
| Total domestic deposits to total assets | 86.5468% | 2,534 |
| Equity capital to assets | 8.1078% | 4,463 |
| Core capital (leverage) ratio | 8.0414% | 4,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6730% | 556 |
| Memoranda: | ||
| Average total assets | $2,256,106,750 | 475 |
| Average earning assets | $2,217,367,000 | 455 |
| Average equity | $183,744,500 | 596 |
| Average total loans | $987,120,500 | 677 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0115% | 4,801 |
| Cost of funding earning assets | 0.3715% | 2,119 |
| Net interest margin | 1.6400% | 4,826 |
| Noninterest income to average assets | 0.4585% | 2,806 |
| Noninterest expense to average assets | 1.3681% | 4,750 |
| Loan and lease loss provision to assets | 0.0137% | 2,681 |
| Net operating income to assets | 0.4942% | 4,234 |
| Return on assets (ROA) | 0.5460% | 4,167 |
| Pretax return on assets | 0.7551% | 3,957 |
| Return on Equity (ROE) | 6.6937% | 3,734 |
| Retained earnings to average equity (ytd only) | -0.0634% | 4,519 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0480% | 2,144 |
| Assets per employee ($millions) | 20.8628% | 86 |
| Cash dividends to net income (ytd only)* | 100.9476% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 4,535 |
| Loan loss allowance to noncurrent loans | 76.1527% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.3903% | 2,042 |
| Noncurrent loans to loans | 0.9156% | 1,351 |
| Net loans and leases to total assets | 42.3295% | 4,158 |
| Net loans and leases to deposits | 48.8161% | 4,174 |
| Net loans and leases to core deposits | 76.6651% | 2,173 |
| Total domestic deposits to total assets | 86.7121% | 2,468 |
| Equity capital to assets | 8.0001% | 4,532 |
| Core capital (leverage) ratio | 8.0462% | 4,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2588% | 528 |
| Memoranda: | ||
| Average total assets | $2,242,155,333 | 476 |
| Average earning assets | $2,205,011,667 | 452 |
| Average equity | $182,888,333 | 592 |
| Average total loans | $978,370,000 | 686 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0480% | 4,826 |
| Cost of funding earning assets | 0.3653% | 2,400 |
| Net interest margin | 1.6827% | 4,841 |
| Noninterest income to average assets | 0.4620% | 2,783 |
| Noninterest expense to average assets | 1.3669% | 4,769 |
| Loan and lease loss provision to assets | 0.0143% | 2,599 |
| Net operating income to assets | 0.5271% | 4,123 |
| Return on assets (ROA) | 0.6315% | 3,930 |
| Pretax return on assets | 0.8683% | 3,676 |
| Return on Equity (ROE) | 7.6654% | 3,425 |
| Retained earnings to average equity (ytd only) | -5.8751% | 4,729 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5579% | 2,403 |
| Assets per employee ($millions) | 20.9510% | 86 |
| Cash dividends to net income (ytd only)* | 176.6438% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6799% | 4,600 |
| Loan loss allowance to noncurrent loans | 68.9141% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 2,028 |
| Noncurrent loans to loans | 0.9866% | 1,364 |
| Net loans and leases to total assets | 43.9595% | 4,113 |
| Net loans and leases to deposits | 50.9896% | 4,109 |
| Net loans and leases to core deposits | 82.6309% | 1,791 |
| Total domestic deposits to total assets | 86.2127% | 2,663 |
| Equity capital to assets | 8.0816% | 4,444 |
| Core capital (leverage) ratio | 8.2017% | 4,398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8314% | 601 |
| Memoranda: | ||
| Average total assets | $2,215,777,000 | 479 |
| Average earning assets | $2,179,849,500 | 450 |
| Average equity | $182,534,500 | 586 |
| Average total loans | $978,432,500 | 689 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4874% | 4,846 |
| Cost of funding earning assets | 0.6047% | 2,268 |
| Net interest margin | 1.8827% | 4,865 |
| Noninterest income to average assets | 0.4592% | 2,823 |
| Noninterest expense to average assets | 1.4120% | 4,830 |
| Loan and lease loss provision to assets | 0.0299% | 4,027 |
| Net operating income to assets | 0.6458% | 3,609 |
| Return on assets (ROA) | 0.6903% | 3,598 |
| Pretax return on assets | 0.9275% | 3,290 |
| Return on Equity (ROE) | 8.2551% | 2,711 |
| Retained earnings to average equity (ytd only) | 3.6538% | 3,008 |
| Net charge-offs to loans | 0.0364% | 2,322 |
| Credit loss provision to net charge-offs | 189.4895% | 2,213 |
| Earnings coverage of net charge-offs (x) | 57.1652% | 1,095 |
| Efficiency ratio | 61.0485% | 3,304 |
| Assets per employee ($millions) | 20.6585% | 85 |
| Cash dividends to net income (ytd only)* | 55.7384% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6911% | 4,602 |
| Loan loss allowance to noncurrent loans | 68.1071% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 2,160 |
| Noncurrent loans to loans | 1.0148% | 1,398 |
| Net loans and leases to total assets | 43.7477% | 4,262 |
| Net loans and leases to deposits | 51.1359% | 4,260 |
| Net loans and leases to core deposits | 82.7456% | 2,138 |
| Total domestic deposits to total assets | 85.5518% | 2,548 |
| Equity capital to assets | 8.3980% | 4,519 |
| Core capital (leverage) ratio | 8.6150% | 4,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2879% | 558 |
| Memoranda: | ||
| Average total assets | $2,112,924,200 | 456 |
| Average earning assets | $2,080,425,200 | 428 |
| Average equity | $176,691,200 | 573 |
| Average total loans | $913,880,600 | 700 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6027% | 4,881 |
| Cost of funding earning assets | 0.6783% | 2,151 |
| Net interest margin | 1.9244% | 4,906 |
| Noninterest income to average assets | 0.4619% | 2,779 |
| Noninterest expense to average assets | 1.4877% | 4,814 |
| Loan and lease loss provision to assets | 0.0147% | 4,138 |
| Net operating income to assets | 0.6327% | 3,688 |
| Return on assets (ROA) | 0.6924% | 3,584 |
| Pretax return on assets | 0.9301% | 3,294 |
| Return on Equity (ROE) | 8.2892% | 2,690 |
| Retained earnings to average equity (ytd only) | 2.0912% | 3,897 |
| Net charge-offs to loans | 0.0493% | 1,906 |
| Credit loss provision to net charge-offs | 69.0691% | 2,817 |
| Earnings coverage of net charge-offs (x) | 40.9850% | 1,344 |
| Efficiency ratio | 63.1225% | 2,895 |
| Assets per employee ($millions) | 19.7522% | 92 |
| Cash dividends to net income (ytd only)* | 74.7724% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 4,640 |
| Loan loss allowance to noncurrent loans | 198.3539% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 3,566 |
| Noncurrent loans to loans | 0.3334% | 3,088 |
| Net loans and leases to total assets | 44.9498% | 4,371 |
| Net loans and leases to deposits | 52.5938% | 4,389 |
| Net loans and leases to core deposits | 89.1728% | 2,043 |
| Total domestic deposits to total assets | 85.4660% | 2,262 |
| Equity capital to assets | 8.5825% | 4,414 |
| Core capital (leverage) ratio | 8.5729% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1843% | 570 |
| Memoranda: | ||
| Average total assets | $2,093,705,000 | 450 |
| Average earning assets | $2,061,564,250 | 424 |
| Average equity | $174,889,250 | 570 |
| Average total loans | $901,187,000 | 707 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7645% | 4,919 |
| Cost of funding earning assets | 0.7951% | 1,850 |
| Net interest margin | 1.9693% | 4,953 |
| Noninterest income to average assets | 0.4852% | 2,627 |
| Noninterest expense to average assets | 1.5206% | 4,834 |
| Loan and lease loss provision to assets | 0.0143% | 4,049 |
| Net operating income to assets | 0.6332% | 3,631 |
| Return on assets (ROA) | 0.7227% | 3,418 |
| Pretax return on assets | 1.0032% | 3,020 |
| Return on Equity (ROE) | 8.7323% | 2,480 |
| Retained earnings to average equity (ytd only) | -0.6509% | 4,426 |
| Net charge-offs to loans | 0.0068% | 2,719 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 315.5000% | 309 |
| Efficiency ratio | 62.7113% | 3,006 |
| Assets per employee ($millions) | 20.0139% | 80 |
| Cash dividends to net income (ytd only)* | 107.4544% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 4,552 |
| Loan loss allowance to noncurrent loans | 187.5976% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 3,596 |
| Noncurrent loans to loans | 0.3766% | 3,065 |
| Net loans and leases to total assets | 43.8100% | 4,459 |
| Net loans and leases to deposits | 51.2222% | 4,473 |
| Net loans and leases to core deposits | 87.6153% | 2,286 |
| Total domestic deposits to total assets | 85.5293% | 2,188 |
| Equity capital to assets | 8.4102% | 4,526 |
| Core capital (leverage) ratio | 8.4145% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3960% | 549 |
| Memoranda: | ||
| Average total assets | $2,093,694,667 | 445 |
| Average earning assets | $2,062,028,667 | 414 |
| Average equity | $173,287,333 | 570 |
| Average total loans | $885,783,667 | 705 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1700% | 4,882 |
| Cost of funding earning assets | 0.9507% | 1,644 |
| Net interest margin | 2.2193% | 4,951 |
| Noninterest income to average assets | 0.5802% | 2,125 |
| Noninterest expense to average assets | 1.5575% | 4,883 |
| Loan and lease loss provision to assets | 0.0143% | 3,607 |
| Net operating income to assets | 0.8601% | 2,656 |
| Return on assets (ROA) | 0.8707% | 2,717 |
| Pretax return on assets | 1.2089% | 2,162 |
| Return on Equity (ROE) | 10.6053% | 1,532 |
| Retained earnings to average equity (ytd only) | -8.2573% | 4,702 |
| Net charge-offs to loans | 0.0138% | 2,107 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 211.6667% | 330 |
| Efficiency ratio | 56.2853% | 4,184 |
| Assets per employee ($millions) | 19.6221% | 68 |
| Cash dividends to net income (ytd only)* | 177.8604% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7288% | 4,563 |
| Loan loss allowance to noncurrent loans | 185.4293% | 2,187 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 3,741 |
| Noncurrent loans to loans | 0.3930% | 3,077 |
| Net loans and leases to total assets | 42.0067% | 4,592 |
| Net loans and leases to deposits | 49.2956% | 4,619 |
| Net loans and leases to core deposits | 85.2633% | 2,735 |
| Total domestic deposits to total assets | 85.2139% | 2,324 |
| Equity capital to assets | 8.1487% | 4,941 |
| Core capital (leverage) ratio | 8.2008% | 4,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8512% | 656 |
| Memoranda: | ||
| Average total assets | $2,099,817,500 | 428 |
| Average earning assets | $2,069,165,500 | 401 |
| Average equity | $172,404,500 | 569 |
| Average total loans | $869,489,500 | 694 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6672% | 4,716 |
| Cost of funding earning assets | 1.0447% | 1,533 |
| Net interest margin | 2.6224% | 4,890 |
| Noninterest income to average assets | 0.4824% | 2,845 |
| Noninterest expense to average assets | 1.3936% | 5,043 |
| Loan and lease loss provision to assets | 0.0143% | 3,727 |
| Net operating income to assets | 1.2025% | 2,047 |
| Return on assets (ROA) | 1.2025% | 2,146 |
| Pretax return on assets | 1.6617% | 1,300 |
| Return on Equity (ROE) | 14.8147% | 723 |
| Retained earnings to average equity (ytd only) | 9.8928% | 512 |
| Net charge-offs to loans | -0.0001% | 4,128 |
| Credit loss provision to net charge-offs | -29,000.0000% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4007% | 4,934 |
| Assets per employee ($millions) | 19.8102% | 63 |
| Cash dividends to net income (ytd only)* | 33.2230% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 4,480 |
| Loan loss allowance to noncurrent loans | 184.1284% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1839% | 3,732 |
| Noncurrent loans to loans | 0.4027% | 2,999 |
| Net loans and leases to total assets | 40.2172% | 4,727 |
| Net loans and leases to deposits | 47.3909% | 4,758 |
| Net loans and leases to core deposits | 81.8778% | 3,135 |
| Total domestic deposits to total assets | 84.8628% | 2,549 |
| Equity capital to assets | 8.2710% | 4,988 |
| Core capital (leverage) ratio | 8.4943% | 4,850 |
| Tier 1 risk-based capital ratio | 21.9125% | 1,036 |
| Total risk-based capital ratio | 22.7118% | 1,067 |
| Memoranda: | ||
| Average total assets | $2,035,050,000 | 415 |
| Average earning assets | $2,007,607,200 | 388 |
| Average equity | $165,180,600 | 561 |
| Average total loans | $856,906,000 | 671 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,682 |
| Cost of funding earning assets | 1.0488% | 1,542 |
| Net interest margin | 2.7475% | 4,897 |
| Noninterest income to average assets | 0.4796% | 2,854 |
| Noninterest expense to average assets | 1.3973% | 5,116 |
| Loan and lease loss provision to assets | 0.0169% | 3,575 |
| Net operating income to assets | 1.2709% | 1,946 |
| Return on assets (ROA) | 1.2709% | 2,027 |
| Pretax return on assets | 1.7764% | 1,147 |
| Return on Equity (ROE) | 15.7369% | 649 |
| Retained earnings to average equity (ytd only) | 9.0723% | 1,024 |
| Net charge-offs to loans | -0.0006% | 3,978 |
| Credit loss provision to net charge-offs | -6,375.0000% | 4,656 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7947% | 5,022 |
| Assets per employee ($millions) | 19.3560% | 64 |
| Cash dividends to net income (ytd only)* | 42.3504% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7378% | 4,574 |
| Loan loss allowance to noncurrent loans | 1,160.6227% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0481% | 4,476 |
| Noncurrent loans to loans | 0.0636% | 4,351 |
| Net loans and leases to total assets | 41.5550% | 4,766 |
| Net loans and leases to deposits | 48.4371% | 4,810 |
| Net loans and leases to core deposits | 84.6727% | 3,028 |
| Total domestic deposits to total assets | 85.7917% | 2,086 |
| Equity capital to assets | 8.3047% | 5,067 |
| Core capital (leverage) ratio | 8.4823% | 4,955 |
| Tier 1 risk-based capital ratio | 21.6049% | 1,122 |
| Total risk-based capital ratio | 22.4139% | 1,152 |
| Memoranda: | ||
| Average total assets | $2,013,889,500 | 424 |
| Average earning assets | $1,987,182,750 | 394 |
| Average equity | $162,645,750 | 568 |
| Average total loans | $856,420,000 | 677 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8662% | 4,611 |
| Cost of funding earning assets | 1.0282% | 1,574 |
| Net interest margin | 2.8380% | 4,886 |
| Noninterest income to average assets | 0.4760% | 2,806 |
| Noninterest expense to average assets | 1.3972% | 5,164 |
| Loan and lease loss provision to assets | 0.0165% | 3,456 |
| Net operating income to assets | 1.3327% | 1,647 |
| Return on assets (ROA) | 1.3327% | 1,712 |
| Pretax return on assets | 1.8628% | 906 |
| Return on Equity (ROE) | 16.6621% | 502 |
| Retained earnings to average equity (ytd only) | 6.5036% | 2,051 |
| Net charge-offs to loans | -0.0009% | 3,892 |
| Credit loss provision to net charge-offs | -4,125.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6432% | 5,102 |
| Assets per employee ($millions) | 18.9617% | 56 |
| Cash dividends to net income (ytd only)* | 60.9674% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,646 |
| Loan loss allowance to noncurrent loans | 1,144.1392% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 4,521 |
| Noncurrent loans to loans | 0.0639% | 4,397 |
| Net loans and leases to total assets | 42.2327% | 4,773 |
| Net loans and leases to deposits | 49.4592% | 4,820 |
| Net loans and leases to core deposits | 87.4793% | 2,849 |
| Total domestic deposits to total assets | 85.3889% | 2,311 |
| Equity capital to assets | 8.1866% | 5,140 |
| Core capital (leverage) ratio | 8.2543% | 5,079 |
| Tier 1 risk-based capital ratio | 21.4724% | 1,123 |
| Total risk-based capital ratio | 22.2934% | 1,158 |
| Memoranda: | ||
| Average total assets | $2,001,273,330 | 430 |
| Average earning assets | $1,974,870,670 | 396 |
| Average equity | $160,064,000 | 573 |
| Average total loans | $855,581,000 | 677 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,720 |
| Cost of funding earning assets | 0.9763% | 1,673 |
| Net interest margin | 2.8123% | 4,977 |
| Noninterest income to average assets | 0.4625% | 2,787 |
| Noninterest expense to average assets | 1.3899% | 5,226 |
| Loan and lease loss provision to assets | 0.0220% | 3,154 |
| Net operating income to assets | 1.3058% | 1,681 |
| Return on assets (ROA) | 1.3058% | 1,717 |
| Pretax return on assets | 1.8278% | 926 |
| Return on Equity (ROE) | 16.5223% | 526 |
| Retained earnings to average equity (ytd only) | -4.0830% | 4,870 |
| Net charge-offs to loans | -0.0014% | 3,826 |
| Credit loss provision to net charge-offs | -3,666.6667% | 4,164 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9022% | 5,136 |
| Assets per employee ($millions) | 19.1911% | 54 |
| Cash dividends to net income (ytd only)* | 124.7124% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7280% | 4,720 |
| Loan loss allowance to noncurrent loans | 208.5916% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 3,961 |
| Noncurrent loans to loans | 0.3490% | 3,331 |
| Net loans and leases to total assets | 42.7097% | 4,803 |
| Net loans and leases to deposits | 49.9509% | 4,814 |
| Net loans and leases to core deposits | 89.8692% | 2,517 |
| Total domestic deposits to total assets | 85.5033% | 2,481 |
| Equity capital to assets | 7.9382% | 5,197 |
| Core capital (leverage) ratio | 8.0341% | 5,200 |
| Tier 1 risk-based capital ratio | 20.2101% | 1,304 |
| Total risk-based capital ratio | 21.0083% | 1,363 |
| Memoranda: | ||
| Average total assets | $1,996,941,500 | 429 |
| Average earning assets | $1,972,020,000 | 398 |
| Average equity | $157,823,500 | 578 |
| Average total loans | $855,823,000 | 683 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 4,859 |
| Cost of funding earning assets | 0.7187% | 1,970 |
| Net interest margin | 2.8303% | 4,995 |
| Noninterest income to average assets | 0.5743% | 2,424 |
| Noninterest expense to average assets | 1.4332% | 5,250 |
| Loan and lease loss provision to assets | 0.0315% | 3,552 |
| Net operating income to assets | 1.3606% | 1,567 |
| Return on assets (ROA) | 1.3606% | 1,556 |
| Pretax return on assets | 1.9100% | 701 |
| Return on Equity (ROE) | 17.8776% | 401 |
| Retained earnings to average equity (ytd only) | 13.6789% | 187 |
| Net charge-offs to loans | 0.0141% | 3,208 |
| Credit loss provision to net charge-offs | 507.5000% | 684 |
| Earnings coverage of net charge-offs (x) | 312.8417% | 320 |
| Efficiency ratio | 42.4685% | 5,231 |
| Assets per employee ($millions) | 19.5845% | 51 |
| Cash dividends to net income (ytd only)* | 23.4863% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 4,796 |
| Loan loss allowance to noncurrent loans | 205.5462% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 3,979 |
| Noncurrent loans to loans | 0.3433% | 3,317 |
| Net loans and leases to total assets | 42.3925% | 4,866 |
| Net loans and leases to deposits | 49.4477% | 4,901 |
| Net loans and leases to core deposits | 84.8260% | 3,014 |
| Total domestic deposits to total assets | 85.7321% | 2,352 |
| Equity capital to assets | 7.8690% | 5,203 |
| Core capital (leverage) ratio | 8.0639% | 5,219 |
| Tier 1 risk-based capital ratio | 20.1288% | 1,280 |
| Total risk-based capital ratio | 20.9015% | 1,341 |
| Memoranda: | ||
| Average total assets | $1,933,618,600 | 423 |
| Average earning assets | $1,913,160,400 | 403 |
| Average equity | $147,161,400 | 585 |
| Average total loans | $851,064,800 | 657 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 4,957 |
| Cost of funding earning assets | 0.6587% | 2,099 |
| Net interest margin | 2.8116% | 5,074 |
| Noninterest income to average assets | 0.6569% | 2,039 |
| Noninterest expense to average assets | 1.4403% | 5,308 |
| Loan and lease loss provision to assets | 0.0362% | 3,282 |
| Net operating income to assets | 1.4035% | 1,478 |
| Return on assets (ROA) | 1.4035% | 1,475 |
| Pretax return on assets | 1.9620% | 692 |
| Return on Equity (ROE) | 18.6075% | 372 |
| Retained earnings to average equity (ytd only) | 12.8969% | 377 |
| Net charge-offs to loans | 0.0193% | 2,758 |
| Credit loss provision to net charge-offs | 421.9512% | 792 |
| Earnings coverage of net charge-offs (x) | 233.0429% | 394 |
| Efficiency ratio | 41.8878% | 5,273 |
| Assets per employee ($millions) | 18.6332% | 57 |
| Cash dividends to net income (ytd only)* | 30.6894% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6924% | 4,887 |
| Loan loss allowance to noncurrent loans | 1,096.1538% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 4,715 |
| Noncurrent loans to loans | 0.0632% | 4,605 |
| Net loans and leases to total assets | 43.8723% | 4,884 |
| Net loans and leases to deposits | 50.9463% | 4,921 |
| Net loans and leases to core deposits | 82.7465% | 3,274 |
| Total domestic deposits to total assets | 86.1148% | 2,137 |
| Equity capital to assets | 7.8029% | 5,235 |
| Core capital (leverage) ratio | 7.7396% | 5,362 |
| Tier 1 risk-based capital ratio | 19.1021% | 1,513 |
| Total risk-based capital ratio | 19.8536% | 1,592 |
| Memoranda: | ||
| Average total assets | $1,912,722,750 | 426 |
| Average earning assets | $1,892,260,500 | 405 |
| Average equity | $144,268,250 | 596 |
| Average total loans | $848,525,750 | 654 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 5,101 |
| Cost of funding earning assets | 0.6026% | 2,208 |
| Net interest margin | 2.7399% | 5,180 |
| Noninterest income to average assets | 0.7557% | 1,623 |
| Noninterest expense to average assets | 1.4663% | 5,360 |
| Loan and lease loss provision to assets | 0.0328% | 3,258 |
| Net operating income to assets | 1.4079% | 1,407 |
| Return on assets (ROA) | 1.4079% | 1,412 |
| Pretax return on assets | 1.9678% | 648 |
| Return on Equity (ROE) | 18.8902% | 339 |
| Retained earnings to average equity (ytd only) | 10.1548% | 883 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2940% | 5,334 |
| Assets per employee ($millions) | 19.0039% | 52 |
| Cash dividends to net income (ytd only)* | 46.2431% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 4,976 |
| Loan loss allowance to noncurrent loans | 1,017.2414% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 4,765 |
| Noncurrent loans to loans | 0.0672% | 4,622 |
| Net loans and leases to total assets | 43.8214% | 4,915 |
| Net loans and leases to deposits | 50.3450% | 4,971 |
| Net loans and leases to core deposits | 79.0314% | 3,498 |
| Total domestic deposits to total assets | 87.0422% | 1,821 |
| Equity capital to assets | 7.4547% | 5,385 |
| Core capital (leverage) ratio | 7.5792% | 5,432 |
| Tier 1 risk-based capital ratio | 17.8009% | 1,858 |
| Total risk-based capital ratio | 18.5233% | 1,962 |
| Memoranda: | ||
| Average total assets | $1,898,134,670 | 429 |
| Average earning assets | $1,878,214,000 | 408 |
| Average equity | $141,470,330 | 606 |
| Average total loans | $843,254,000 | 656 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1781% | 5,253 |
| Cost of funding earning assets | 0.5569% | 2,342 |
| Net interest margin | 2.6212% | 5,310 |
| Noninterest income to average assets | 1.0434% | 835 |
| Noninterest expense to average assets | 1.5131% | 5,379 |
| Loan and lease loss provision to assets | 0.0233% | 3,220 |
| Net operating income to assets | 1.5007% | 1,077 |
| Return on assets (ROA) | 1.5007% | 1,078 |
| Pretax return on assets | 2.1014% | 465 |
| Return on Equity (ROE) | 20.1370% | 239 |
| Retained earnings to average equity (ytd only) | 2.3871% | 4,215 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5936% | 5,412 |
| Assets per employee ($millions) | 18.6921% | 57 |
| Cash dividends to net income (ytd only)* | 88.1455% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6755% | 5,069 |
| Loan loss allowance to noncurrent loans | 1,043.5897% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,838 |
| Noncurrent loans to loans | 0.0647% | 4,686 |
| Net loans and leases to total assets | 44.3816% | 4,880 |
| Net loans and leases to deposits | 50.9641% | 4,924 |
| Net loans and leases to core deposits | 76.9807% | 3,579 |
| Total domestic deposits to total assets | 87.0841% | 2,089 |
| Equity capital to assets | 7.3914% | 5,451 |
| Core capital (leverage) ratio | 7.5953% | 5,493 |
| Tier 1 risk-based capital ratio | 17.7753% | 1,897 |
| Total risk-based capital ratio | 18.5043% | 1,996 |
| Memoranda: | ||
| Average total assets | $1,868,502,000 | 439 |
| Average earning assets | $1,849,414,500 | 418 |
| Average equity | $139,246,000 | 618 |
| Average total loans | $833,050,500 | 659 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0502% | 5,327 |
| Cost of funding earning assets | 0.4406% | 2,867 |
| Net interest margin | 2.6096% | 5,345 |
| Noninterest income to average assets | 0.4780% | 3,142 |
| Noninterest expense to average assets | 1.4575% | 5,497 |
| Loan and lease loss provision to assets | 0.0464% | 3,305 |
| Net operating income to assets | 0.8842% | 2,795 |
| Return on assets (ROA) | 0.8880% | 2,800 |
| Pretax return on assets | 1.5584% | 1,423 |
| Return on Equity (ROE) | 11.8661% | 1,246 |
| Retained earnings to average equity (ytd only) | 8.1652% | 704 |
| Net charge-offs to loans | 0.0568% | 2,671 |
| Credit loss provision to net charge-offs | 172.9387% | 1,567 |
| Earnings coverage of net charge-offs (x) | 59.5349% | 961 |
| Efficiency ratio | 47.6872% | 5,337 |
| Assets per employee ($millions) | 18.4911% | 58 |
| Cash dividends to net income (ytd only)* | 31.1893% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6795% | 5,103 |
| Loan loss allowance to noncurrent loans | 84.4005% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 3,334 |
| Noncurrent loans to loans | 0.8051% | 2,201 |
| Net loans and leases to total assets | 44.1799% | 4,969 |
| Net loans and leases to deposits | 50.4269% | 5,045 |
| Net loans and leases to core deposits | 74.5734% | 3,840 |
| Total domestic deposits to total assets | 87.6119% | 1,696 |
| Equity capital to assets | 7.5144% | 5,534 |
| Core capital (leverage) ratio | 7.8087% | 5,495 |
| Tier 1 risk-based capital ratio | 18.5076% | 1,650 |
| Total risk-based capital ratio | 19.2575% | 1,752 |
| Memoranda: | ||
| Average total assets | $1,761,273,800 | 450 |
| Average earning assets | $1,740,132,800 | 424 |
| Average equity | $131,803,600 | 622 |
| Average total loans | $833,356,200 | 626 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0347% | 5,387 |
| Cost of funding earning assets | 0.4179% | 3,007 |
| Net interest margin | 2.6169% | 5,395 |
| Noninterest income to average assets | 0.4794% | 3,154 |
| Noninterest expense to average assets | 1.4598% | 5,546 |
| Loan and lease loss provision to assets | 0.0514% | 3,071 |
| Net operating income to assets | 0.9281% | 2,889 |
| Return on assets (ROA) | 0.9333% | 2,921 |
| Pretax return on assets | 1.5609% | 1,539 |
| Return on Equity (ROE) | 12.4852% | 1,193 |
| Retained earnings to average equity (ytd only) | 7.4829% | 1,437 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6432% | 5,364 |
| Assets per employee ($millions) | 17.0276% | 66 |
| Cash dividends to net income (ytd only)* | 40.0657% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 5,150 |
| Loan loss allowance to noncurrent loans | 41.9284% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 2,035 |
| Noncurrent loans to loans | 1.6509% | 1,111 |
| Net loans and leases to total assets | 49.3366% | 4,746 |
| Net loans and leases to deposits | 55.1854% | 4,913 |
| Net loans and leases to core deposits | 78.7724% | 3,561 |
| Total domestic deposits to total assets | 89.4016% | 700 |
| Equity capital to assets | 7.8838% | 5,547 |
| Core capital (leverage) ratio | 7.8715% | 5,551 |
| Tier 1 risk-based capital ratio | 17.7654% | 1,925 |
| Total risk-based capital ratio | 18.5463% | 2,021 |
| Memoranda: | ||
| Average total assets | $1,739,315,750 | 457 |
| Average earning assets | $1,717,840,750 | 431 |
| Average equity | $130,017,000 | 638 |
| Average total loans | $836,064,500 | 630 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9210% | 5,493 |
| Cost of funding earning assets | 0.3918% | 3,149 |
| Net interest margin | 2.5292% | 5,487 |
| Noninterest income to average assets | 0.4911% | 3,078 |
| Noninterest expense to average assets | 1.4450% | 5,606 |
| Loan and lease loss provision to assets | 0.0642% | 2,687 |
| Net operating income to assets | 0.8846% | 2,994 |
| Return on assets (ROA) | 0.8923% | 3,007 |
| Pretax return on assets | 1.4921% | 1,680 |
| Return on Equity (ROE) | 12.1550% | 1,257 |
| Retained earnings to average equity (ytd only) | 4.5427% | 3,004 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.3406% | 5,382 |
| Assets per employee ($millions) | 17.5411% | 61 |
| Cash dividends to net income (ytd only)* | 62.6268% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 5,239 |
| Loan loss allowance to noncurrent loans | 41.2979% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 0.8432% | 2,099 |
| Noncurrent loans to loans | 1.6651% | 1,100 |
| Net loans and leases to total assets | 48.7611% | 4,779 |
| Net loans and leases to deposits | 54.0962% | 4,958 |
| Net loans and leases to core deposits | 75.5737% | 3,813 |
| Total domestic deposits to total assets | 90.1377% | 492 |
| Equity capital to assets | 7.6211% | 5,634 |
| Core capital (leverage) ratio | 7.6700% | 5,615 |
| Tier 1 risk-based capital ratio | 17.2388% | 2,082 |
| Total risk-based capital ratio | 18.0078% | 2,179 |
| Memoranda: | ||
| Average total assets | $1,745,826,330 | 462 |
| Average earning assets | $1,724,387,000 | 431 |
| Average equity | $128,161,000 | 645 |
| Average total loans | $829,953,670 | 636 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8134% | 5,593 |
| Cost of funding earning assets | 0.3698% | 3,314 |
| Net interest margin | 2.4436% | 5,588 |
| Noninterest income to average assets | 0.4879% | 3,056 |
| Noninterest expense to average assets | 1.4240% | 5,678 |
| Loan and lease loss provision to assets | 0.0432% | 2,938 |
| Net operating income to assets | 0.8581% | 2,957 |
| Return on assets (ROA) | 0.8581% | 3,004 |
| Pretax return on assets | 1.4336% | 1,753 |
| Return on Equity (ROE) | 11.9113% | 1,266 |
| Retained earnings to average equity (ytd only) | -3.4844% | 5,293 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0908% | 5,417 |
| Assets per employee ($millions) | 17.3452% | 62 |
| Cash dividends to net income (ytd only)* | 129.2528% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6473% | 5,407 |
| Loan loss allowance to noncurrent loans | 30.0953% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.0993% | 1,621 |
| Noncurrent loans to loans | 2.1508% | 800 |
| Net loans and leases to total assets | 49.5746% | 4,709 |
| Net loans and leases to deposits | 54.8157% | 4,893 |
| Net loans and leases to core deposits | 75.5988% | 3,692 |
| Total domestic deposits to total assets | 90.4388% | 494 |
| Equity capital to assets | 7.5159% | 5,679 |
| Core capital (leverage) ratio | 7.2676% | 5,741 |
| Tier 1 risk-based capital ratio | 16.1913% | 2,478 |
| Total risk-based capital ratio | 16.8895% | 2,635 |
| Memoranda: | ||
| Average total assets | $1,759,228,000 | 461 |
| Average earning assets | $1,737,124,000 | 433 |
| Average equity | $126,737,000 | 652 |
| Average total loans | $822,921,500 | 646 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5263% | 5,750 |
| Cost of funding earning assets | 0.3163% | 3,886 |
| Net interest margin | 2.2099% | 5,747 |
| Noninterest income to average assets | 0.4396% | 3,622 |
| Noninterest expense to average assets | 1.3553% | 5,796 |
| Loan and lease loss provision to assets | 0.0737% | 2,880 |
| Net operating income to assets | 0.7133% | 3,725 |
| Return on assets (ROA) | 0.7204% | 3,804 |
| Pretax return on assets | 1.2048% | 2,648 |
| Return on Equity (ROE) | 10.5588% | 1,745 |
| Retained earnings to average equity (ytd only) | 7.4717% | 1,049 |
| Net charge-offs to loans | 0.0876% | 2,447 |
| Credit loss provision to net charge-offs | 193.9259% | 1,458 |
| Earnings coverage of net charge-offs (x) | 33.3407% | 1,339 |
| Efficiency ratio | 51.6759% | 5,403 |
| Assets per employee ($millions) | 18.9276% | 51 |
| Cash dividends to net income (ytd only)* | 29.2370% | 3,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 5,448 |
| Loan loss allowance to noncurrent loans | 28.5326% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.0250% | 1,849 |
| Noncurrent loans to loans | 2.2794% | 734 |
| Net loans and leases to total assets | 43.6324% | 5,134 |
| Net loans and leases to deposits | 49.4536% | 5,232 |
| Net loans and leases to core deposits | 66.4593% | 4,498 |
| Total domestic deposits to total assets | 88.2291% | 1,518 |
| Equity capital to assets | 6.9185% | 5,809 |
| Core capital (leverage) ratio | 7.1834% | 5,794 |
| Tier 1 risk-based capital ratio | 17.1297% | 2,119 |
| Total risk-based capital ratio | 17.8370% | 2,254 |
| Memoranda: | ||
| Average total assets | $1,775,666,400 | 440 |
| Average earning assets | $1,754,162,200 | 405 |
| Average equity | $121,150,400 | 659 |
| Average total loans | $770,404,800 | 652 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4969% | 5,825 |
| Cost of funding earning assets | 0.3129% | 3,943 |
| Net interest margin | 2.1840% | 5,824 |
| Noninterest income to average assets | 0.4289% | 3,705 |
| Noninterest expense to average assets | 1.3555% | 5,838 |
| Loan and lease loss provision to assets | 0.0696% | 2,825 |
| Net operating income to assets | 0.6807% | 3,955 |
| Return on assets (ROA) | 0.6885% | 4,046 |
| Pretax return on assets | 1.1741% | 2,946 |
| Return on Equity (ROE) | 10.1276% | 2,002 |
| Retained earnings to average equity (ytd only) | 5.9612% | 2,204 |
| Net charge-offs to loans | 0.1182% | 1,766 |
| Credit loss provision to net charge-offs | 136.1481% | 1,910 |
| Earnings coverage of net charge-offs (x) | 24.0918% | 1,690 |
| Efficiency ratio | 52.3960% | 5,358 |
| Assets per employee ($millions) | 18.1928% | 54 |
| Cash dividends to net income (ytd only)* | 41.1396% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6193% | 5,570 |
| Loan loss allowance to noncurrent loans | 28.4425% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 2,039 |
| Noncurrent loans to loans | 2.1774% | 866 |
| Net loans and leases to total assets | 45.0686% | 5,139 |
| Net loans and leases to deposits | 49.4358% | 5,325 |
| Net loans and leases to core deposits | 65.5725% | 4,637 |
| Total domestic deposits to total assets | 91.1660% | 161 |
| Equity capital to assets | 7.1565% | 5,875 |
| Core capital (leverage) ratio | 7.1054% | 5,871 |
| Tier 1 risk-based capital ratio | 15.9880% | 2,631 |
| Total risk-based capital ratio | 16.6179% | 2,816 |
| Memoranda: | ||
| Average total assets | $1,760,589,750 | 445 |
| Average earning assets | $1,739,788,500 | 408 |
| Average equity | $119,682,750 | 672 |
| Average total loans | $761,425,000 | 658 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4646% | 5,910 |
| Cost of funding earning assets | 0.3160% | 3,954 |
| Net interest margin | 2.1486% | 5,916 |
| Noninterest income to average assets | 0.4336% | 3,642 |
| Noninterest expense to average assets | 1.3416% | 5,926 |
| Loan and lease loss provision to assets | 0.0977% | 2,203 |
| Net operating income to assets | 0.6549% | 4,022 |
| Return on assets (ROA) | 0.6567% | 4,159 |
| Pretax return on assets | 1.1213% | 3,120 |
| Return on Equity (ROE) | 9.8286% | 2,128 |
| Retained earnings to average equity (ytd only) | 3.5083% | 3,667 |
| Net charge-offs to loans | 0.1791% | 1,269 |
| Credit loss provision to net charge-offs | 128.1481% | 1,782 |
| Earnings coverage of net charge-offs (x) | 15.9570% | 1,958 |
| Efficiency ratio | 52.4522% | 5,419 |
| Assets per employee ($millions) | 17.6024% | 57 |
| Cash dividends to net income (ytd only)* | 64.3054% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6359% | 5,636 |
| Loan loss allowance to noncurrent loans | 27.8681% | 5,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0345% | 2,059 |
| Noncurrent loans to loans | 2.2817% | 804 |
| Net loans and leases to total assets | 43.9297% | 5,236 |
| Net loans and leases to deposits | 48.4131% | 5,413 |
| Net loans and leases to core deposits | 64.6516% | 4,697 |
| Total domestic deposits to total assets | 90.7392% | 246 |
| Equity capital to assets | 7.0395% | 5,961 |
| Core capital (leverage) ratio | 6.9143% | 5,958 |
| Tier 1 risk-based capital ratio | 16.6567% | 2,375 |
| Total risk-based capital ratio | 17.3228% | 2,552 |
| Memoranda: | ||
| Average total assets | $1,771,348,000 | 434 |
| Average earning assets | $1,751,223,000 | 406 |
| Average equity | $118,348,330 | 679 |
| Average total loans | $753,973,000 | 661 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4331% | 5,986 |
| Cost of funding earning assets | 0.3173% | 3,981 |
| Net interest margin | 2.1158% | 5,990 |
| Noninterest income to average assets | 0.4143% | 3,721 |
| Noninterest expense to average assets | 1.3180% | 5,994 |
| Loan and lease loss provision to assets | 0.0200% | 3,432 |
| Net operating income to assets | 0.6872% | 3,775 |
| Return on assets (ROA) | 0.6907% | 3,869 |
| Pretax return on assets | 1.1734% | 2,807 |
| Return on Equity (ROE) | 10.6076% | 1,742 |
| Retained earnings to average equity (ytd only) | -2.1324% | 5,393 |
| Net charge-offs to loans | -0.0005% | 4,066 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5980% | 5,480 |
| Assets per employee ($millions) | 18.8693% | 52 |
| Cash dividends to net income (ytd only)* | 120.1028% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6056% | 5,736 |
| Loan loss allowance to noncurrent loans | 26.2435% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 2,209 |
| Noncurrent loans to loans | 2.3076% | 865 |
| Net loans and leases to total assets | 43.0415% | 5,296 |
| Net loans and leases to deposits | 47.3872% | 5,449 |
| Net loans and leases to core deposits | 62.4418% | 4,790 |
| Total domestic deposits to total assets | 90.8293% | 321 |
| Equity capital to assets | 6.5300% | 6,043 |
| Core capital (leverage) ratio | 6.6367% | 6,020 |
| Tier 1 risk-based capital ratio | 15.7649% | 2,799 |
| Total risk-based capital ratio | 16.3968% | 3,024 |
| Memoranda: | ||
| Average total assets | $1,803,307,500 | 428 |
| Average earning assets | $1,782,572,000 | 400 |
| Average equity | $117,425,000 | 684 |
| Average total loans | $753,525,500 | 663 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2250% | 6,072 |
| Cost of funding earning assets | 0.3887% | 3,277 |
| Net interest margin | 1.8363% | 6,074 |
| Noninterest income to average assets | 0.4542% | 3,631 |
| Noninterest expense to average assets | 1.3184% | 6,069 |
| Loan and lease loss provision to assets | 0.0285% | 3,800 |
| Net operating income to assets | 0.5366% | 4,554 |
| Return on assets (ROA) | 0.5431% | 4,623 |
| Pretax return on assets | 0.9298% | 3,728 |
| Return on Equity (ROE) | 8.0753% | 2,922 |
| Retained earnings to average equity (ytd only) | 5.6115% | 2,011 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1681% | 5,120 |
| Assets per employee ($millions) | 18.8962% | 54 |
| Cash dividends to net income (ytd only)* | 30.5103% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 5,754 |
| Loan loss allowance to noncurrent loans | 39.9203% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 3,157 |
| Noncurrent loans to loans | 1.5802% | 1,453 |
| Net loans and leases to total assets | 40.0316% | 5,510 |
| Net loans and leases to deposits | 44.8881% | 5,619 |
| Net loans and leases to core deposits | 59.4866% | 5,014 |
| Total domestic deposits to total assets | 89.1809% | 1,031 |
| Equity capital to assets | 6.4935% | 6,095 |
| Core capital (leverage) ratio | 6.9041% | 6,060 |
| Tier 1 risk-based capital ratio | 15.6298% | 2,867 |
| Total risk-based capital ratio | 16.2414% | 3,118 |
| Memoranda: | ||
| Average total assets | $1,706,627,800 | 429 |
| Average earning assets | $1,684,368,400 | 398 |
| Average equity | $114,782,800 | 669 |
| Average total loans | $682,244,200 | 690 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2139% | 6,166 |
| Cost of funding earning assets | 0.4165% | 3,049 |
| Net interest margin | 1.7974% | 6,169 |
| Noninterest income to average assets | 0.4665% | 3,590 |
| Noninterest expense to average assets | 1.3202% | 6,142 |
| Loan and lease loss provision to assets | 0.0368% | 3,478 |
| Net operating income to assets | 0.5221% | 4,715 |
| Return on assets (ROA) | 0.5306% | 4,773 |
| Pretax return on assets | 0.8962% | 3,994 |
| Return on Equity (ROE) | 7.8165% | 3,180 |
| Retained earnings to average equity (ytd only) | 4.5098% | 3,263 |
| Net charge-offs to loans | 0.0002% | 4,180 |
| Credit loss provision to net charge-offs | 46,400.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 11,615.7519% | 2 |
| Efficiency ratio | 58.9405% | 5,014 |
| Assets per employee ($millions) | 17.2200% | 63 |
| Cash dividends to net income (ytd only)* | 42.3036% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6373% | 5,837 |
| Loan loss allowance to noncurrent loans | 38.7514% | 5,247 |
| Noncurrent assets plus other real estate owned to assets | 0.7160% | 3,118 |
| Noncurrent loans to loans | 1.6447% | 1,499 |
| Net loans and leases to total assets | 43.2587% | 5,405 |
| Net loans and leases to deposits | 47.8600% | 5,578 |
| Net loans and leases to core deposits | 65.2847% | 4,741 |
| Total domestic deposits to total assets | 90.3860% | 431 |
| Equity capital to assets | 6.9859% | 6,154 |
| Core capital (leverage) ratio | 6.9283% | 6,141 |
| Tier 1 risk-based capital ratio | 15.8718% | 2,854 |
| Total risk-based capital ratio | 16.5034% | 3,103 |
| Memoranda: | ||
| Average total assets | $1,679,776,250 | 437 |
| Average earning assets | $1,657,397,250 | 404 |
| Average equity | $114,030,000 | 677 |
| Average total loans | $670,106,000 | 702 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1563% | 6,246 |
| Cost of funding earning assets | 0.4399% | 2,844 |
| Net interest margin | 1.7164% | 6,255 |
| Noninterest income to average assets | 0.4717% | 3,548 |
| Noninterest expense to average assets | 1.3193% | 6,215 |
| Loan and lease loss provision to assets | 0.0316% | 3,489 |
| Net operating income to assets | 0.4798% | 4,854 |
| Return on assets (ROA) | 0.4812% | 4,948 |
| Pretax return on assets | 0.8163% | 4,270 |
| Return on Equity (ROE) | 7.1567% | 3,520 |
| Retained earnings to average equity (ytd only) | 2.1754% | 4,622 |
| Net charge-offs to loans | 0.0003% | 3,890 |
| Credit loss provision to net charge-offs | 26,700.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 7,140.0000% | 5 |
| Efficiency ratio | 60.9388% | 4,836 |
| Assets per employee ($millions) | 17.5899% | 63 |
| Cash dividends to net income (ytd only)* | 69.6037% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 5,912 |
| Loan loss allowance to noncurrent loans | 38.0878% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 3,337 |
| Noncurrent loans to loans | 1.6792% | 1,547 |
| Net loans and leases to total assets | 40.8125% | 5,584 |
| Net loans and leases to deposits | 46.2842% | 5,662 |
| Net loans and leases to core deposits | 63.7950% | 4,818 |
| Total domestic deposits to total assets | 88.1782% | 1,563 |
| Equity capital to assets | 6.8541% | 6,211 |
| Core capital (leverage) ratio | 6.6653% | 6,225 |
| Tier 1 risk-based capital ratio | 15.9045% | 2,902 |
| Total risk-based capital ratio | 16.5241% | 3,149 |
| Memoranda: | ||
| Average total assets | $1,688,660,670 | 434 |
| Average earning assets | $1,665,778,670 | 404 |
| Average equity | $113,544,670 | 683 |
| Average total loans | $653,572,330 | 717 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1118% | 6,325 |
| Cost of funding earning assets | 0.4413% | 2,866 |
| Net interest margin | 1.6705% | 6,329 |
| Noninterest income to average assets | 0.4593% | 3,577 |
| Noninterest expense to average assets | 1.3045% | 6,284 |
| Loan and lease loss provision to assets | 0.0276% | 3,334 |
| Net operating income to assets | 0.4524% | 4,864 |
| Return on assets (ROA) | 0.4553% | 4,963 |
| Pretax return on assets | 0.7790% | 4,320 |
| Return on Equity (ROE) | 6.8359% | 3,592 |
| Retained earnings to average equity (ytd only) | -3.1703% | 5,806 |
| Net charge-offs to loans | 0.0006% | 3,282 |
| Credit loss provision to net charge-offs | 11,700.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 3,404.0000% | 6 |
| Efficiency ratio | 61.9239% | 4,810 |
| Assets per employee ($millions) | 17.1352% | 65 |
| Cash dividends to net income (ytd only)* | 146.3768% | 382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 5,977 |
| Loan loss allowance to noncurrent loans | 1,312.6935% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 5,870 |
| Noncurrent loans to loans | 0.0500% | 5,581 |
| Net loans and leases to total assets | 37.8467% | 5,727 |
| Net loans and leases to deposits | 43.7353% | 5,770 |
| Net loans and leases to core deposits | 61.3772% | 4,883 |
| Total domestic deposits to total assets | 86.5357% | 2,643 |
| Equity capital to assets | 6.6414% | 6,295 |
| Core capital (leverage) ratio | 6.5838% | 6,287 |
| Tier 1 risk-based capital ratio | 16.1902% | 2,826 |
| Total risk-based capital ratio | 16.8113% | 3,058 |
| Memoranda: | ||
| Average total assets | $1,697,473,000 | 433 |
| Average earning assets | $1,674,019,000 | 404 |
| Average equity | $113,049,500 | 685 |
| Average total loans | $637,167,500 | 732 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1626% | 6,404 |
| Cost of funding earning assets | 0.4980% | 2,698 |
| Net interest margin | 1.6646% | 6,414 |
| Noninterest income to average assets | 0.4650% | 3,748 |
| Noninterest expense to average assets | 1.3180% | 6,390 |
| Loan and lease loss provision to assets | 0.0182% | 4,247 |
| Net operating income to assets | 0.4474% | 5,038 |
| Return on assets (ROA) | 0.4623% | 5,052 |
| Pretax return on assets | 0.7924% | 4,289 |
| Return on Equity (ROE) | 6.6605% | 3,806 |
| Retained earnings to average equity (ytd only) | 4.3178% | 3,120 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6000% | 4,811 |
| Assets per employee ($millions) | 17.5052% | 63 |
| Cash dividends to net income (ytd only)* | 35.1741% | 3,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 6,064 |
| Loan loss allowance to noncurrent loans | 1,274.6914% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 5,970 |
| Noncurrent loans to loans | 0.0516% | 5,669 |
| Net loans and leases to total assets | 36.7456% | 5,910 |
| Net loans and leases to deposits | 42.3941% | 5,954 |
| Net loans and leases to core deposits | 60.4679% | 5,105 |
| Total domestic deposits to total assets | 86.6761% | 2,470 |
| Equity capital to assets | 6.6805% | 6,364 |
| Core capital (leverage) ratio | 6.7527% | 6,342 |
| Tier 1 risk-based capital ratio | 15.5700% | 3,199 |
| Total risk-based capital ratio | 16.1465% | 3,478 |
| Memoranda: | ||
| Average total assets | $1,590,350,600 | 440 |
| Average earning assets | $1,567,282,000 | 413 |
| Average equity | $110,381,400 | 664 |
| Average total loans | $584,418,200 | 751 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1485% | 6,486 |
| Cost of funding earning assets | 0.5104% | 2,657 |
| Net interest margin | 1.6381% | 6,502 |
| Noninterest income to average assets | 0.4699% | 3,739 |
| Noninterest expense to average assets | 1.3210% | 6,446 |
| Loan and lease loss provision to assets | 0.0192% | 4,023 |
| Net operating income to assets | 0.4316% | 5,139 |
| Return on assets (ROA) | 0.4517% | 5,143 |
| Pretax return on assets | 0.7753% | 4,449 |
| Return on Equity (ROE) | 6.4428% | 4,007 |
| Retained earnings to average equity (ytd only) | 3.2974% | 4,277 |
| Net charge-offs to loans | -0.0002% | 5,145 |
| Credit loss provision to net charge-offs | -22,500.0000% | 6,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3875% | 4,649 |
| Assets per employee ($millions) | 16.6063% | 63 |
| Cash dividends to net income (ytd only)* | 48.8200% | 1,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6335% | 6,185 |
| Loan loss allowance to noncurrent loans | 35.3873% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7060% | 3,703 |
| Noncurrent loans to loans | 1.7901% | 1,812 |
| Net loans and leases to total assets | 39.1908% | 5,865 |
| Net loans and leases to deposits | 45.5410% | 5,894 |
| Net loans and leases to core deposits | 66.3372% | 4,674 |
| Total domestic deposits to total assets | 86.0562% | 2,819 |
| Equity capital to assets | 6.8796% | 6,402 |
| Core capital (leverage) ratio | 6.7606% | 6,408 |
| Tier 1 risk-based capital ratio | 15.3247% | 3,410 |
| Total risk-based capital ratio | 15.8940% | 3,734 |
| Memoranda: | ||
| Average total assets | $1,563,438,250 | 445 |
| Average earning assets | $1,540,498,250 | 417 |
| Average equity | $109,618,000 | 669 |
| Average total loans | $573,505,250 | 767 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1109% | 6,562 |
| Cost of funding earning assets | 0.5062% | 2,773 |
| Net interest margin | 1.6047% | 6,572 |
| Noninterest income to average assets | 0.4810% | 3,623 |
| Noninterest expense to average assets | 1.3322% | 6,510 |
| Loan and lease loss provision to assets | 0.0195% | 3,882 |
| Net operating income to assets | 0.4120% | 5,170 |
| Return on assets (ROA) | 0.4372% | 5,150 |
| Pretax return on assets | 0.7492% | 4,462 |
| Return on Equity (ROE) | 6.1945% | 4,053 |
| Retained earnings to average equity (ytd only) | 1.4425% | 5,164 |
| Net charge-offs to loans | -0.0004% | 5,018 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6200% | 4,594 |
| Assets per employee ($millions) | 16.9567% | 62 |
| Cash dividends to net income (ytd only)* | 76.7131% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6905% | 6,189 |
| Loan loss allowance to noncurrent loans | 1,205.7402% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 6,167 |
| Noncurrent loans to loans | 0.0573% | 5,867 |
| Net loans and leases to total assets | 35.2604% | 6,090 |
| Net loans and leases to deposits | 41.4368% | 6,094 |
| Net loans and leases to core deposits | 60.1469% | 5,130 |
| Total domestic deposits to total assets | 85.0943% | 3,460 |
| Equity capital to assets | 6.7441% | 6,474 |
| Core capital (leverage) ratio | 6.8635% | 6,449 |
| Tier 1 risk-based capital ratio | 15.9294% | 3,133 |
| Total risk-based capital ratio | 16.5170% | 3,436 |
| Memoranda: | ||
| Average total assets | $1,542,112,330 | 448 |
| Average earning assets | $1,518,891,670 | 419 |
| Average equity | $108,837,670 | 670 |
| Average total loans | $550,719,000 | 795 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1265% | 6,635 |
| Cost of funding earning assets | 0.5122% | 2,783 |
| Net interest margin | 1.6143% | 6,648 |
| Noninterest income to average assets | 0.5758% | 2,880 |
| Noninterest expense to average assets | 1.3807% | 6,572 |
| Loan and lease loss provision to assets | 0.0200% | 3,563 |
| Net operating income to assets | 0.4448% | 4,953 |
| Return on assets (ROA) | 0.4813% | 4,854 |
| Pretax return on assets | 0.8223% | 4,018 |
| Return on Equity (ROE) | 6.6590% | 3,657 |
| Retained earnings to average equity (ytd only) | -2.8866% | 5,954 |
| Net charge-offs to loans | -0.0007% | 4,671 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7472% | 4,900 |
| Assets per employee ($millions) | 16.2670% | 66 |
| Cash dividends to net income (ytd only)* | 143.3481% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 6,217 |
| Loan loss allowance to noncurrent loans | 1,125.2874% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 6,231 |
| Noncurrent loans to loans | 0.0653% | 5,950 |
| Net loans and leases to total assets | 34.2454% | 6,169 |
| Net loans and leases to deposits | 40.6454% | 6,149 |
| Net loans and leases to core deposits | 59.9299% | 5,047 |
| Total domestic deposits to total assets | 84.2542% | 4,184 |
| Equity capital to assets | 6.9877% | 6,449 |
| Core capital (leverage) ratio | 7.1253% | 6,443 |
| Tier 1 risk-based capital ratio | 16.7863% | 2,779 |
| Total risk-based capital ratio | 17.4044% | 3,049 |
| Memoranda: | ||
| Average total assets | $1,499,246,500 | 459 |
| Average earning assets | $1,476,793,000 | 431 |
| Average equity | $108,364,500 | 672 |
| Average total loans | $537,091,000 | 818 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2951% | 6,671 |
| Cost of funding earning assets | 0.5913% | 2,748 |
| Net interest margin | 1.7038% | 6,701 |
| Noninterest income to average assets | 0.4479% | 4,097 |
| Noninterest expense to average assets | 1.4385% | 6,610 |
| Loan and lease loss provision to assets | 0.0220% | 4,689 |
| Net operating income to assets | 0.3790% | 5,224 |
| Return on assets (ROA) | 0.3938% | 5,278 |
| Pretax return on assets | 0.6840% | 4,600 |
| Return on Equity (ROE) | 5.0377% | 4,614 |
| Retained earnings to average equity (ytd only) | 2.6172% | 4,394 |
| Net charge-offs to loans | 0.0063% | 5,335 |
| Credit loss provision to net charge-offs | 937.5000% | 272 |
| Earnings coverage of net charge-offs (x) | 291.5313% | 154 |
| Efficiency ratio | 67.8166% | 4,230 |
| Assets per employee ($millions) | 15.4588% | 71 |
| Cash dividends to net income (ytd only)* | 48.0491% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7097% | 6,331 |
| Loan loss allowance to noncurrent loans | 1,103.4483% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 6,327 |
| Noncurrent loans to loans | 0.0643% | 6,029 |
| Net loans and leases to total assets | 36.9692% | 6,162 |
| Net loans and leases to deposits | 44.3328% | 6,105 |
| Net loans and leases to core deposits | 66.6988% | 4,636 |
| Total domestic deposits to total assets | 83.3901% | 4,400 |
| Equity capital to assets | 7.4835% | 6,291 |
| Core capital (leverage) ratio | 7.4203% | 6,404 |
| Tier 1 risk-based capital ratio | 16.4246% | 2,893 |
| Total risk-based capital ratio | 17.0134% | 3,177 |
| Memoranda: | ||
| Average total assets | $1,366,517,000 | 490 |
| Average earning assets | $1,342,035,800 | 460 |
| Average equity | $106,833,600 | 663 |
| Average total loans | $504,086,000 | 847 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2968% | 6,751 |
| Cost of funding earning assets | 0.5970% | 2,834 |
| Net interest margin | 1.6998% | 6,787 |
| Noninterest income to average assets | 0.4647% | 4,041 |
| Noninterest expense to average assets | 1.4529% | 6,663 |
| Loan and lease loss provision to assets | 0.0223% | 4,561 |
| Net operating income to assets | 0.3822% | 5,323 |
| Return on assets (ROA) | 0.3997% | 5,380 |
| Pretax return on assets | 0.6850% | 4,734 |
| Return on Equity (ROE) | 5.0546% | 4,695 |
| Retained earnings to average equity (ytd only) | 1.8127% | 5,230 |
| Net charge-offs to loans | 0.0086% | 4,984 |
| Credit loss provision to net charge-offs | 703.1250% | 412 |
| Earnings coverage of net charge-offs (x) | 214.2904% | 273 |
| Efficiency ratio | 68.1216% | 4,076 |
| Assets per employee ($millions) | 14.9808% | 85 |
| Cash dividends to net income (ytd only)* | 64.1368% | 1,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 6,392 |
| Loan loss allowance to noncurrent loans | 869.5150% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 6,390 |
| Noncurrent loans to loans | 0.0848% | 6,078 |
| Net loans and leases to total assets | 35.6091% | 6,296 |
| Net loans and leases to deposits | 43.2137% | 6,252 |
| Net loans and leases to core deposits | 64.3794% | 4,865 |
| Total domestic deposits to total assets | 82.4024% | 4,792 |
| Equity capital to assets | 7.5396% | 6,379 |
| Core capital (leverage) ratio | 7.6001% | 6,408 |
| Tier 1 risk-based capital ratio | 16.9176% | 2,746 |
| Total risk-based capital ratio | 17.5203% | 3,017 |
| Memoranda: | ||
| Average total assets | $1,344,865,000 | 497 |
| Average earning assets | $1,319,843,500 | 472 |
| Average equity | $106,356,000 | 673 |
| Average total loans | $494,845,500 | 858 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3176% | 6,793 |
| Cost of funding earning assets | 0.5954% | 2,981 |
| Net interest margin | 1.7222% | 6,827 |
| Noninterest income to average assets | 0.4380% | 4,262 |
| Noninterest expense to average assets | 1.4818% | 6,687 |
| Loan and lease loss provision to assets | 0.0227% | 4,454 |
| Net operating income to assets | 0.3607% | 5,358 |
| Return on assets (ROA) | 0.3875% | 5,425 |
| Pretax return on assets | 0.6641% | 4,803 |
| Return on Equity (ROE) | 4.8189% | 4,817 |
| Retained earnings to average equity (ytd only) | -0.0585% | 5,869 |
| Net charge-offs to loans | 0.0131% | 4,594 |
| Credit loss provision to net charge-offs | 468.7500% | 587 |
| Earnings coverage of net charge-offs (x) | 132.9063% | 369 |
| Efficiency ratio | 69.6734% | 3,886 |
| Assets per employee ($millions) | 14.2439% | 91 |
| Cash dividends to net income (ytd only)* | 101.2133% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7437% | 6,440 |
| Loan loss allowance to noncurrent loans | 844.3936% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 5,781 |
| Noncurrent loans to loans | 0.0881% | 6,133 |
| Net loans and leases to total assets | 36.7805% | 6,251 |
| Net loans and leases to deposits | 44.7994% | 6,178 |
| Net loans and leases to core deposits | 67.6318% | 4,541 |
| Total domestic deposits to total assets | 82.1005% | 5,026 |
| Equity capital to assets | 7.9292% | 6,247 |
| Core capital (leverage) ratio | 8.0375% | 6,160 |
| Tier 1 risk-based capital ratio | 17.1689% | 2,651 |
| Total risk-based capital ratio | 17.7763% | 2,881 |
| Memoranda: | ||
| Average total assets | $1,318,760,670 | 501 |
| Average earning assets | $1,293,254,000 | 473 |
| Average equity | $106,040,670 | 674 |
| Average total loans | $489,612,000 | 863 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3465% | 6,855 |
| Cost of funding earning assets | 0.5992% | 3,115 |
| Net interest margin | 1.7473% | 6,900 |
| Noninterest income to average assets | 0.4230% | 4,294 |
| Noninterest expense to average assets | 1.4940% | 6,748 |
| Loan and lease loss provision to assets | 0.0229% | 4,177 |
| Net operating income to assets | 0.3495% | 5,352 |
| Return on assets (ROA) | 0.4035% | 5,263 |
| Pretax return on assets | 0.7027% | 4,568 |
| Return on Equity (ROE) | 4.9822% | 4,581 |
| Retained earnings to average equity (ytd only) | -4.7784% | 6,350 |
| Net charge-offs to loans | 0.0016% | 4,133 |
| Credit loss provision to net charge-offs | 3,750.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 1,049.0000% | 20 |
| Efficiency ratio | 69.9685% | 3,981 |
| Assets per employee ($millions) | 13.6960% | 107 |
| Cash dividends to net income (ytd only)* | 195.9091% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 6,513 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2100% | 5,936 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 36.7816% | 6,243 |
| Net loans and leases to deposits | 45.0458% | 6,116 |
| Net loans and leases to core deposits | 68.8177% | 4,206 |
| Total domestic deposits to total assets | 81.6538% | 5,310 |
| Equity capital to assets | 8.2099% | 6,240 |
| Core capital (leverage) ratio | 7.9180% | 6,205 |
| Tier 1 risk-based capital ratio | 17.7690% | 2,458 |
| Total risk-based capital ratio | 18.3993% | 2,663 |
| Memoranda: | ||
| Average total assets | $1,308,676,000 | 508 |
| Average earning assets | $1,282,424,500 | 479 |
| Average equity | $105,977,500 | 686 |
| Average total loans | $486,340,500 | 873 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5855% | 6,909 |
| Cost of funding earning assets | 0.7255% | 3,287 |
| Net interest margin | 1.8600% | 6,949 |
| Noninterest income to average assets | 0.4555% | 4,214 |
| Noninterest expense to average assets | 1.4542% | 6,893 |
| Loan and lease loss provision to assets | 0.0234% | 5,601 |
| Net operating income to assets | 0.1285% | 5,949 |
| Return on assets (ROA) | 0.3322% | 5,569 |
| Pretax return on assets | 1.1151% | 3,102 |
| Return on Equity (ROE) | 4.0937% | 5,100 |
| Retained earnings to average equity (ytd only) | 1.6148% | 5,060 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9347% | 4,894 |
| Assets per employee ($millions) | 14.7769% | 96 |
| Cash dividends to net income (ytd only)* | 60.5541% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7209% | 6,606 |
| Loan loss allowance to noncurrent loans | 142.7087% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 6,092 |
| Noncurrent loans to loans | 0.5051% | 5,271 |
| Net loans and leases to total assets | 36.9892% | 6,374 |
| Net loans and leases to deposits | 44.8862% | 6,316 |
| Net loans and leases to core deposits | 72.5411% | 3,971 |
| Total domestic deposits to total assets | 82.4065% | 4,964 |
| Equity capital to assets | 7.9898% | 6,415 |
| Core capital (leverage) ratio | 8.0484% | 6,144 |
| Tier 1 risk-based capital ratio | 18.4748% | 2,109 |
| Total risk-based capital ratio | 19.1093% | 2,283 |
| Memoranda: | ||
| Average total assets | $1,282,102,600 | 518 |
| Average earning assets | $1,253,794,000 | 482 |
| Average equity | $104,038,400 | 682 |
| Average total loans | $468,821,800 | 876 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6349% | 7,018 |
| Cost of funding earning assets | 0.7523% | 3,334 |
| Net interest margin | 1.8826% | 7,065 |
| Noninterest income to average assets | 0.4220% | 4,465 |
| Noninterest expense to average assets | 1.4509% | 6,962 |
| Loan and lease loss provision to assets | 0.0236% | 5,499 |
| Net operating income to assets | 0.4493% | 5,038 |
| Return on assets (ROA) | 0.5312% | 4,975 |
| Pretax return on assets | 0.9147% | 4,046 |
| Return on Equity (ROE) | 6.5194% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.1966% | 4,620 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1601% | 4,783 |
| Assets per employee ($millions) | 13.8187% | 107 |
| Cash dividends to net income (ytd only)* | 50.9684% | 1,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 6,704 |
| Loan loss allowance to noncurrent loans | 139.7123% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 5,504 |
| Noncurrent loans to loans | 0.5248% | 5,389 |
| Net loans and leases to total assets | 37.6535% | 6,437 |
| Net loans and leases to deposits | 47.3600% | 6,294 |
| Net loans and leases to core deposits | 77.5874% | 3,518 |
| Total domestic deposits to total assets | 79.5049% | 5,767 |
| Equity capital to assets | 8.5924% | 6,178 |
| Core capital (leverage) ratio | 8.2984% | 6,013 |
| Tier 1 risk-based capital ratio | 18.3859% | 2,203 |
| Total risk-based capital ratio | 18.9986% | 2,416 |
| Memoranda: | ||
| Average total assets | $1,270,147,000 | 526 |
| Average earning assets | $1,241,012,500 | 489 |
| Average equity | $103,483,500 | 685 |
| Average total loans | $462,152,250 | 891 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6341% | 7,094 |
| Cost of funding earning assets | 0.7678% | 3,454 |
| Net interest margin | 1.8664% | 7,138 |
| Noninterest income to average assets | 0.3982% | 4,667 |
| Noninterest expense to average assets | 1.4376% | 7,039 |
| Loan and lease loss provision to assets | 0.0235% | 5,371 |
| Net operating income to assets | 0.4358% | 5,092 |
| Return on assets (ROA) | 0.4934% | 5,099 |
| Pretax return on assets | 0.8492% | 4,283 |
| Return on Equity (ROE) | 6.1670% | 4,231 |
| Retained earnings to average equity (ytd only) | 1.1083% | 5,628 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7487% | 4,754 |
| Assets per employee ($millions) | 14.2871% | 91 |
| Cash dividends to net income (ytd only)* | 82.0293% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 6,795 |
| Loan loss allowance to noncurrent loans | 121.0470% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4861% | 5,545 |
| Noncurrent loans to loans | 0.5975% | 5,318 |
| Net loans and leases to total assets | 37.3572% | 6,528 |
| Net loans and leases to deposits | 46.7447% | 6,388 |
| Net loans and leases to core deposits | 78.2628% | 3,473 |
| Total domestic deposits to total assets | 79.9175% | 5,760 |
| Equity capital to assets | 8.2570% | 6,409 |
| Core capital (leverage) ratio | 8.0988% | 6,162 |
| Tier 1 risk-based capital ratio | 18.0313% | 2,282 |
| Total risk-based capital ratio | 18.6289% | 2,481 |
| Memoranda: | ||
| Average total assets | $1,274,363,000 | 526 |
| Average earning assets | $1,244,124,000 | 492 |
| Average equity | $101,961,670 | 700 |
| Average total loans | $457,206,670 | 901 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6212% | 7,151 |
| Cost of funding earning assets | 0.7814% | 3,617 |
| Net interest margin | 1.8398% | 7,197 |
| Noninterest income to average assets | 0.3704% | 4,904 |
| Noninterest expense to average assets | 1.4211% | 7,104 |
| Loan and lease loss provision to assets | 0.0234% | 5,049 |
| Net operating income to assets | 0.4167% | 5,189 |
| Return on assets (ROA) | 0.4190% | 5,368 |
| Pretax return on assets | 0.7246% | 4,709 |
| Return on Equity (ROE) | 5.3209% | 4,634 |
| Retained earnings to average equity (ytd only) | -4.8893% | 6,575 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6299% | 4,627 |
| Assets per employee ($millions) | 14.8001% | 94 |
| Cash dividends to net income (ytd only)* | 191.8899% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7293% | 6,841 |
| Loan loss allowance to noncurrent loans | 118.6459% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 5,714 |
| Noncurrent loans to loans | 0.6147% | 5,429 |
| Net loans and leases to total assets | 35.3841% | 6,668 |
| Net loans and leases to deposits | 44.4678% | 6,531 |
| Net loans and leases to core deposits | 76.9076% | 3,485 |
| Total domestic deposits to total assets | 79.5724% | 5,952 |
| Equity capital to assets | 7.9029% | 6,581 |
| Core capital (leverage) ratio | 7.8153% | 6,403 |
| Tier 1 risk-based capital ratio | 18.2599% | 2,214 |
| Total risk-based capital ratio | 18.8625% | 2,407 |
| Memoranda: | ||
| Average total assets | $1,282,911,500 | 520 |
| Average earning assets | $1,251,634,000 | 489 |
| Average equity | $101,036,000 | 702 |
| Average total loans | $449,259,000 | 919 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6442% | 7,241 |
| Cost of funding earning assets | 0.8972% | 4,137 |
| Net interest margin | 1.7469% | 7,269 |
| Noninterest income to average assets | 0.4092% | 4,545 |
| Noninterest expense to average assets | 1.3731% | 7,226 |
| Loan and lease loss provision to assets | 0.0235% | 6,282 |
| Net operating income to assets | 0.0980% | 5,868 |
| Return on assets (ROA) | 0.2497% | 5,567 |
| Pretax return on assets | 0.9580% | 3,402 |
| Return on Equity (ROE) | 3.0562% | 5,259 |
| Retained earnings to average equity (ytd only) | 0.5807% | 5,571 |
| Net charge-offs to loans | 0.0691% | 5,618 |
| Credit loss provision to net charge-offs | 102.3891% | 3,380 |
| Earnings coverage of net charge-offs (x) | 32.4027% | 794 |
| Efficiency ratio | 64.8409% | 4,975 |
| Assets per employee ($millions) | 15.2168% | 86 |
| Cash dividends to net income (ytd only)* | 80.9987% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7444% | 6,846 |
| Loan loss allowance to noncurrent loans | 130.7231% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 5,941 |
| Noncurrent loans to loans | 0.5694% | 5,574 |
| Net loans and leases to total assets | 34.1328% | 6,862 |
| Net loans and leases to deposits | 42.8754% | 6,769 |
| Net loans and leases to core deposits | 80.4107% | 3,403 |
| Total domestic deposits to total assets | 79.6091% | 5,842 |
| Equity capital to assets | 7.8480% | 6,659 |
| Core capital (leverage) ratio | 8.1237% | 6,109 |
| Tier 1 risk-based capital ratio | 18.7873% | 1,960 |
| Total risk-based capital ratio | 19.3852% | 2,122 |
| Memoranda: | ||
| Average total assets | $1,275,115,600 | 515 |
| Average earning assets | $1,247,052,200 | 478 |
| Average equity | $104,182,400 | 660 |
| Average total loans | $424,192,000 | 986 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6484% | 7,328 |
| Cost of funding earning assets | 0.9260% | 4,228 |
| Net interest margin | 1.7224% | 7,345 |
| Noninterest income to average assets | 0.4175% | 4,527 |
| Noninterest expense to average assets | 1.5857% | 7,178 |
| Loan and lease loss provision to assets | 0.0235% | 6,152 |
| Net operating income to assets | 0.2690% | 5,510 |
| Return on assets (ROA) | 0.4652% | 4,891 |
| Pretax return on assets | 0.8007% | 4,128 |
| Return on Equity (ROE) | 5.6375% | 4,215 |
| Retained earnings to average equity (ytd only) | 2.3674% | 4,935 |
| Net charge-offs to loans | 0.0929% | 5,044 |
| Credit loss provision to net charge-offs | 76.7918% | 4,250 |
| Earnings coverage of net charge-offs (x) | 16.8872% | 1,375 |
| Efficiency ratio | 75.3880% | 2,946 |
| Assets per employee ($millions) | 14.9378% | 91 |
| Cash dividends to net income (ytd only)* | 58.0072% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7280% | 6,929 |
| Loan loss allowance to noncurrent loans | 128.0849% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 6,058 |
| Noncurrent loans to loans | 0.5684% | 5,734 |
| Net loans and leases to total assets | 34.7426% | 6,922 |
| Net loans and leases to deposits | 43.9657% | 6,835 |
| Net loans and leases to core deposits | 81.0016% | 3,489 |
| Total domestic deposits to total assets | 79.0220% | 5,978 |
| Equity capital to assets | 8.1125% | 6,629 |
| Core capital (leverage) ratio | 8.1945% | 6,137 |
| Tier 1 risk-based capital ratio | 18.6837% | 2,032 |
| Total risk-based capital ratio | 19.2579% | 2,210 |
| Memoranda: | ||
| Average total assets | $1,274,340,750 | 515 |
| Average earning assets | $1,247,368,750 | 480 |
| Average equity | $105,149,500 | 661 |
| Average total loans | $420,349,500 | 1,001 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6348% | 7,403 |
| Cost of funding earning assets | 0.9373% | 4,411 |
| Net interest margin | 1.6975% | 7,424 |
| Noninterest income to average assets | 0.4199% | 4,512 |
| Noninterest expense to average assets | 1.3539% | 7,376 |
| Loan and lease loss provision to assets | 0.0234% | 6,000 |
| Net operating income to assets | 0.3923% | 4,982 |
| Return on assets (ROA) | 0.5476% | 4,450 |
| Pretax return on assets | 0.9483% | 3,438 |
| Return on Equity (ROE) | 6.6003% | 3,647 |
| Retained earnings to average equity (ytd only) | 1.7465% | 5,122 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 5,060 |
| Assets per employee ($millions) | 15.4823% | 85 |
| Cash dividends to net income (ytd only)* | 73.5386% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8131% | 6,844 |
| Loan loss allowance to noncurrent loans | 62.8219% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 0.4282% | 6,073 |
| Noncurrent loans to loans | 1.2944% | 4,495 |
| Net loans and leases to total assets | 32.8116% | 7,083 |
| Net loans and leases to deposits | 41.9259% | 6,995 |
| Net loans and leases to core deposits | 79.6032% | 3,846 |
| Total domestic deposits to total assets | 78.2608% | 6,238 |
| Equity capital to assets | 8.4200% | 6,280 |
| Core capital (leverage) ratio | 8.0570% | 6,226 |
| Tier 1 risk-based capital ratio | 18.5620% | 1,982 |
| Total risk-based capital ratio | 19.1951% | 2,143 |
| Memoranda: | ||
| Average total assets | $1,280,863,670 | 515 |
| Average earning assets | $1,254,895,000 | 486 |
| Average equity | $106,268,330 | 656 |
| Average total loans | $414,087,000 | 1,034 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6458% | 7,460 |
| Cost of funding earning assets | 0.9492% | 4,574 |
| Net interest margin | 1.6966% | 7,476 |
| Noninterest income to average assets | 0.4185% | 4,555 |
| Noninterest expense to average assets | 1.3590% | 7,429 |
| Loan and lease loss provision to assets | 0.0233% | 5,668 |
| Net operating income to assets | 0.3856% | 5,012 |
| Return on assets (ROA) | 0.5970% | 4,116 |
| Pretax return on assets | 1.0307% | 3,018 |
| Return on Equity (ROE) | 7.2484% | 3,271 |
| Retained earnings to average equity (ytd only) | -2.4879% | 6,221 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2485% | 5,159 |
| Assets per employee ($millions) | 15.7793% | 89 |
| Cash dividends to net income (ytd only)* | 134.3229% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8098% | 6,894 |
| Loan loss allowance to noncurrent loans | 61.6464% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 6,159 |
| Noncurrent loans to loans | 1.3137% | 4,506 |
| Net loans and leases to total assets | 31.6164% | 7,182 |
| Net loans and leases to deposits | 40.2556% | 7,089 |
| Net loans and leases to core deposits | 79.0933% | 3,869 |
| Total domestic deposits to total assets | 78.5390% | 6,288 |
| Equity capital to assets | 8.1437% | 6,350 |
| Core capital (leverage) ratio | 7.9208% | 6,341 |
| Tier 1 risk-based capital ratio | 18.0759% | 2,091 |
| Total risk-based capital ratio | 18.6916% | 2,286 |
| Memoranda: | ||
| Average total assets | $1,286,521,000 | 521 |
| Average earning assets | $1,262,070,000 | 492 |
| Average equity | $105,954,500 | 654 |
| Average total loans | $411,143,500 | 1,055 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7455% | 7,525 |
| Cost of funding earning assets | 1.0838% | 5,232 |
| Net interest margin | 1.6617% | 7,528 |
| Noninterest income to average assets | 0.3589% | 5,239 |
| Noninterest expense to average assets | 1.3633% | 7,500 |
| Loan and lease loss provision to assets | 0.0240% | 6,883 |
| Net operating income to assets | 0.3287% | 4,833 |
| Return on assets (ROA) | 0.5257% | 4,134 |
| Pretax return on assets | 0.9072% | 3,256 |
| Return on Equity (ROE) | 6.3224% | 3,435 |
| Retained earnings to average equity (ytd only) | 3.9959% | 3,068 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6196% | 4,438 |
| Assets per employee ($millions) | 15.5993% | 87 |
| Cash dividends to net income (ytd only)* | 36.7981% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 6,974 |
| Loan loss allowance to noncurrent loans | 56.2931% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 6,151 |
| Noncurrent loans to loans | 1.4151% | 4,359 |
| Net loans and leases to total assets | 31.7867% | 7,297 |
| Net loans and leases to deposits | 40.6016% | 7,236 |
| Net loans and leases to core deposits | 83.1961% | 3,721 |
| Total domestic deposits to total assets | 78.2893% | 6,256 |
| Equity capital to assets | 8.3288% | 6,110 |
| Core capital (leverage) ratio | 8.1968% | 5,830 |
| Tier 1 risk-based capital ratio | 17.8160% | 2,058 |
| Total risk-based capital ratio | 18.3972% | 2,255 |
| Memoranda: | ||
| Average total assets | $1,249,961,200 | 539 |
| Average earning assets | $1,224,527,400 | 496 |
| Average equity | $103,932,200 | 654 |
| Average total loans | $385,469,400 | 1,171 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7439% | 7,654 |
| Cost of funding earning assets | 1.0984% | 5,424 |
| Net interest margin | 1.6455% | 7,653 |
| Noninterest income to average assets | 0.3454% | 5,403 |
| Noninterest expense to average assets | 1.3536% | 7,612 |
| Loan and lease loss provision to assets | 0.0241% | 6,823 |
| Net operating income to assets | 0.3161% | 5,103 |
| Return on assets (ROA) | 0.5641% | 4,197 |
| Pretax return on assets | 0.9665% | 3,305 |
| Return on Equity (ROE) | 6.7878% | 3,435 |
| Retained earnings to average equity (ytd only) | 3.6663% | 3,873 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1780% | 4,228 |
| Assets per employee ($millions) | 14.9529% | 105 |
| Cash dividends to net income (ytd only)* | 45.9871% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7949% | 7,017 |
| Loan loss allowance to noncurrent loans | 59.5928% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 6,335 |
| Noncurrent loans to loans | 1.3339% | 4,627 |
| Net loans and leases to total assets | 32.4698% | 7,395 |
| Net loans and leases to deposits | 42.1226% | 7,297 |
| Net loans and leases to core deposits | 87.7350% | 3,408 |
| Total domestic deposits to total assets | 77.0840% | 6,462 |
| Equity capital to assets | 8.6460% | 6,108 |
| Core capital (leverage) ratio | 8.2159% | 6,013 |
| Tier 1 risk-based capital ratio | 17.4234% | 2,197 |
| Total risk-based capital ratio | 17.9964% | 2,402 |
| Memoranda: | ||
| Average total assets | $1,242,666,500 | 536 |
| Average earning assets | $1,216,853,250 | 497 |
| Average equity | $103,281,000 | 643 |
| Average total loans | $379,371,250 | 1,204 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7327% | 7,734 |
| Cost of funding earning assets | 1.0891% | 5,739 |
| Net interest margin | 1.6437% | 7,723 |
| Noninterest income to average assets | 0.3432% | 5,399 |
| Noninterest expense to average assets | 1.3424% | 7,690 |
| Loan and lease loss provision to assets | 0.0240% | 6,699 |
| Net operating income to assets | 0.3085% | 5,145 |
| Return on assets (ROA) | 0.6820% | 3,625 |
| Pretax return on assets | 1.1692% | 2,520 |
| Return on Equity (ROE) | 8.3149% | 2,754 |
| Retained earnings to average equity (ytd only) | 3.5909% | 3,810 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7680% | 4,431 |
| Assets per employee ($millions) | 14.9957% | 101 |
| Cash dividends to net income (ytd only)* | 56.8139% | 1,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 7,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 32.1157% | 7,480 |
| Net loans and leases to deposits | 40.9859% | 7,420 |
| Net loans and leases to core deposits | 86.6419% | 3,743 |
| Total domestic deposits to total assets | 78.3580% | 6,187 |
| Equity capital to assets | 8.6290% | 5,974 |
| Core capital (leverage) ratio | 8.3016% | 5,768 |
| Tier 1 risk-based capital ratio | 18.1190% | 1,932 |
| Total risk-based capital ratio | 18.6850% | 2,083 |
| Memoranda: | ||
| Average total assets | $1,248,176,330 | 535 |
| Average earning assets | $1,221,788,670 | 492 |
| Average equity | $102,370,670 | 646 |
| Average total loans | $372,057,000 | 1,235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6591% | 7,844 |
| Cost of funding earning assets | 1.0989% | 5,919 |
| Net interest margin | 1.5603% | 7,824 |
| Noninterest income to average assets | 0.3159% | 5,621 |
| Noninterest expense to average assets | 1.3146% | 7,799 |
| Loan and lease loss provision to assets | 0.0236% | 6,421 |
| Net operating income to assets | 0.2470% | 5,508 |
| Return on assets (ROA) | 0.7576% | 3,282 |
| Pretax return on assets | 1.3021% | 2,045 |
| Return on Equity (ROE) | 9.4698% | 2,306 |
| Retained earnings to average equity (ytd only) | -0.0314% | 5,831 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3530% | 4,058 |
| Assets per employee ($millions) | 16.4331% | 92 |
| Cash dividends to net income (ytd only)* | 100.3320% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8419% | 7,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 29.0526% | 7,649 |
| Net loans and leases to deposits | 36.1774% | 7,620 |
| Net loans and leases to core deposits | 80.3587% | 4,721 |
| Total domestic deposits to total assets | 80.3059% | 5,683 |
| Equity capital to assets | 8.2776% | 6,334 |
| Core capital (leverage) ratio | 7.9194% | 6,357 |
| Tier 1 risk-based capital ratio | 18.3154% | 1,868 |
| Total risk-based capital ratio | 18.8835% | 2,017 |
| Memoranda: | ||
| Average total assets | $1,272,435,000 | 542 |
| Average earning assets | $1,244,927,000 | 493 |
| Average equity | $101,797,000 | 655 |
| Average total loans | $363,888,500 | 1,297 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0131% | 7,880 |
| Cost of funding earning assets | 1.3119% | 6,268 |
| Net interest margin | 1.7012% | 7,831 |
| Noninterest income to average assets | 0.3065% | 5,897 |
| Noninterest expense to average assets | 1.3048% | 7,871 |
| Loan and lease loss provision to assets | 0.0214% | 7,290 |
| Net operating income to assets | 0.3653% | 4,272 |
| Return on assets (ROA) | 0.4726% | 3,954 |
| Pretax return on assets | 0.8124% | 3,199 |
| Return on Equity (ROE) | 6.5874% | 2,961 |
| Retained earnings to average equity (ytd only) | 3.9707% | 2,424 |
| Net charge-offs to loans | 0.0183% | 6,964 |
| Credit loss provision to net charge-offs | 423.0769% | 743 |
| Earnings coverage of net charge-offs (x) | 132.0000% | 218 |
| Efficiency ratio | 66.2018% | 5,357 |
| Assets per employee ($millions) | 17.2683% | 92 |
| Cash dividends to net income (ytd only)* | 39.7240% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8086% | 7,106 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 27.7131% | 7,755 |
| Net loans and leases to deposits | 36.0214% | 7,723 |
| Net loans and leases to core deposits | 100.8493% | 3,917 |
| Total domestic deposits to total assets | 76.9352% | 6,498 |
| Equity capital to assets | 7.7396% | 6,823 |
| Core capital (leverage) ratio | 7.8295% | 6,413 |
| Tier 1 risk-based capital ratio | 17.3393% | 2,068 |
| Total risk-based capital ratio | 17.8652% | 2,223 |
| Memoranda: | ||
| Average total assets | $1,288,015,000 | 525 |
| Average earning assets | $1,260,170,600 | 483 |
| Average equity | $92,403,000 | 701 |
| Average total loans | $354,618,600 | 1,363 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1126% | 7,971 |
| Cost of funding earning assets | 1.3795% | 6,305 |
| Net interest margin | 1.7330% | 7,908 |
| Noninterest income to average assets | 0.3015% | 6,063 |
| Noninterest expense to average assets | 1.3233% | 7,954 |
| Loan and lease loss provision to assets | 0.0208% | 7,146 |
| Net operating income to assets | 0.3716% | 4,513 |
| Return on assets (ROA) | 0.4385% | 4,345 |
| Pretax return on assets | 0.7578% | 3,679 |
| Return on Equity (ROE) | 6.2381% | 3,424 |
| Retained earnings to average equity (ytd only) | 2.6604% | 3,842 |
| Net charge-offs to loans | 0.0246% | 6,542 |
| Credit loss provision to net charge-offs | 307.6923% | 1,342 |
| Earnings coverage of net charge-offs (x) | 99.7129% | 362 |
| Efficiency ratio | 66.2518% | 5,319 |
| Assets per employee ($millions) | 16.6499% | 93 |
| Cash dividends to net income (ytd only)* | 57.3530% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 7,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 28.6565% | 7,834 |
| Net loans and leases to deposits | 35.5550% | 7,833 |
| Net loans and leases to core deposits | 109.8992% | 3,251 |
| Total domestic deposits to total assets | 80.5978% | 5,218 |
| Equity capital to assets | 7.8067% | 7,035 |
| Core capital (leverage) ratio | 7.5436% | 6,926 |
| Tier 1 risk-based capital ratio | 16.4438% | 2,458 |
| Total risk-based capital ratio | 16.9404% | 2,676 |
| Memoranda: | ||
| Average total assets | $1,281,921,500 | 538 |
| Average earning assets | $1,254,408,250 | 502 |
| Average equity | $90,110,250 | 726 |
| Average total loans | $351,606,000 | 1,389 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1805% | 8,060 |
| Cost of funding earning assets | 1.4943% | 6,164 |
| Net interest margin | 1.6862% | 7,967 |
| Noninterest income to average assets | 0.2947% | 6,149 |
| Noninterest expense to average assets | 1.2436% | 8,072 |
| Loan and lease loss provision to assets | 0.0193% | 7,034 |
| Net operating income to assets | 0.3940% | 4,537 |
| Return on assets (ROA) | 0.4065% | 4,595 |
| Pretax return on assets | 0.6996% | 3,990 |
| Return on Equity (ROE) | 5.9964% | 3,651 |
| Retained earnings to average equity (ytd only) | 0.4792% | 5,018 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0025% | 5,915 |
| Assets per employee ($millions) | 16.8373% | 91 |
| Cash dividends to net income (ytd only)* | 92.0091% | 855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 7,072 |
| Loan loss allowance to noncurrent loans | 374.0260% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0610% | 7,441 |
| Noncurrent loans to loans | 0.2201% | 6,963 |
| Net loans and leases to total assets | 27.4716% | 7,938 |
| Net loans and leases to deposits | 33.2887% | 7,950 |
| Net loans and leases to core deposits | 106.4232% | 3,788 |
| Total domestic deposits to total assets | 82.5254% | 4,465 |
| Equity capital to assets | 7.3525% | 7,384 |
| Core capital (leverage) ratio | 7.2198% | 7,337 |
| Tier 1 risk-based capital ratio | 16.1877% | 2,554 |
| Total risk-based capital ratio | 16.6859% | 2,768 |
| Memoranda: | ||
| Average total assets | $1,292,981,330 | 547 |
| Average earning assets | $1,264,001,330 | 510 |
| Average equity | $87,652,000 | 752 |
| Average total loans | $348,562,670 | 1,429 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1968% | 8,123 |
| Cost of funding earning assets | 1.6836% | 5,666 |
| Net interest margin | 1.5132% | 8,053 |
| Noninterest income to average assets | 0.2978% | 6,054 |
| Noninterest expense to average assets | 1.2290% | 8,103 |
| Loan and lease loss provision to assets | 0.0153% | 6,662 |
| Net operating income to assets | 0.3135% | 5,247 |
| Return on assets (ROA) | 0.3153% | 5,413 |
| Pretax return on assets | 0.5333% | 4,967 |
| Return on Equity (ROE) | 4.8487% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.8487% | 3,210 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2453% | 4,728 |
| Assets per employee ($millions) | 16.9934% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 7,122 |
| Loan loss allowance to noncurrent loans | 364.2857% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 7,422 |
| Noncurrent loans to loans | 0.2221% | 6,900 |
| Net loans and leases to total assets | 26.6288% | 7,989 |
| Net loans and leases to deposits | 31.9447% | 8,015 |
| Net loans and leases to core deposits | 109.5967% | 3,487 |
| Total domestic deposits to total assets | 83.3593% | 3,969 |
| Equity capital to assets | 6.6522% | 7,825 |
| Core capital (leverage) ratio | 7.0015% | 7,632 |
| Tier 1 risk-based capital ratio | 15.3491% | 2,914 |
| Total risk-based capital ratio | 15.8141% | 3,206 |
| Memoranda: | ||
| Average total assets | $1,308,071,500 | 543 |
| Average earning assets | $1,276,785,500 | 508 |
| Average equity | $85,054,000 | 778 |
| Average total loans | $347,948,000 | 1,450 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 8,043 |
| Cost of funding earning assets | 2.7778% | 2,796 |
| Net interest margin | 1.6742% | 8,157 |
| Noninterest income to average assets | 0.3421% | 6,002 |
| Noninterest expense to average assets | 1.2138% | 8,161 |
| Loan and lease loss provision to assets | 0.0154% | 7,187 |
| Net operating income to assets | 0.4521% | 4,946 |
| Return on assets (ROA) | 0.4837% | 4,633 |
| Pretax return on assets | 0.7907% | 4,107 |
| Return on Equity (ROE) | 7.2715% | 3,390 |
| Retained earnings to average equity (ytd only) | 4.5133% | 2,319 |
| Net charge-offs to loans | 0.0003% | 7,037 |
| Credit loss provision to net charge-offs | 20,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 9,819.0000% | 1 |
| Efficiency ratio | 61.5995% | 6,027 |
| Assets per employee ($millions) | 17.4295% | 95 |
| Cash dividends to net income (ytd only)* | 37.9321% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 7,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 26.1523% | 8,068 |
| Net loans and leases to deposits | 32.4877% | 8,089 |
| Net loans and leases to core deposits | 123.8967% | 2,335 |
| Total domestic deposits to total assets | 80.4989% | 4,841 |
| Equity capital to assets | 6.3560% | 7,975 |
| Core capital (leverage) ratio | 6.9581% | 7,725 |
| Tier 1 risk-based capital ratio | 16.1866% | 2,591 |
| Total risk-based capital ratio | 16.6717% | 2,806 |
| Memoranda: | ||
| Average total assets | $1,297,643,600 | 525 |
| Average earning assets | $1,262,130,800 | 499 |
| Average equity | $86,323,000 | 774 |
| Average total loans | $330,561,800 | 1,467 |