Home > Jefferson Bank > Performance and Condition Ratios
Jefferson 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 | 4.3779% | 3,316 |
| Cost of funding earning assets | 1.8038% | 1,243 |
| Net interest margin | 2.5742% | 4,004 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.8204% | 1,456 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.3410% | 3,973 |
| Return on assets (ROA) | 0.3278% | 3,989 |
| Pretax return on assets | 0.3278% | 4,065 |
| Return on Equity (ROE) | 6.0700% | 3,505 |
| Retained earnings to average equity (ytd only) | 1.2932% | 3,760 |
| Net charge-offs to loans | 0.0118% | 2,207 |
| Credit loss provision to net charge-offs | 331.8408% | 890 |
| Earnings coverage of net charge-offs (x) | 52.9701% | 1,261 |
| Efficiency ratio | 88.2570% | 477 |
| Assets per employee ($millions) | 7.2405% | 1,908 |
| Cash dividends to net income (ytd only)* | 78.6797% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 3,730 |
| Loan loss allowance to noncurrent loans | 415.2850% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 2,611 |
| Noncurrent loans to loans | 0.2156% | 2,450 |
| Net loans and leases to total assets | 61.2700% | 2,731 |
| Net loans and leases to deposits | 69.6550% | 2,913 |
| Net loans and leases to core deposits | 93.8057% | 1,786 |
| Total domestic deposits to total assets | 87.9700% | 1,371 |
| Equity capital to assets | 5.6925% | 4,298 |
| Core capital (leverage) ratio | 8.3770% | 4,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0749% | 2,564 |
| Memoranda: | ||
| Average total assets | $2,837,212,200 | 417 |
| Average earning assets | $2,603,512,000 | 409 |
| Average equity | $153,342,400 | 663 |
| Average total loans | $1,700,377,400 | 467 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2868% | 3,320 |
| Cost of funding earning assets | 1.6485% | 1,279 |
| Net interest margin | 2.6383% | 3,969 |
| Noninterest income to average assets | 0.8300% | 883 |
| Noninterest expense to average assets | 2.7757% | 1,486 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.4625% | 3,844 |
| Return on assets (ROA) | 0.4376% | 3,897 |
| Pretax return on assets | 0.4376% | 4,007 |
| Return on Equity (ROE) | 8.2100% | 3,125 |
| Retained earnings to average equity (ytd only) | 2.9960% | 3,512 |
| Net charge-offs to loans | 0.0120% | 1,956 |
| Credit loss provision to net charge-offs | 220.5298% | 1,060 |
| Earnings coverage of net charge-offs (x) | 67.0464% | 1,139 |
| Efficiency ratio | 85.3024% | 543 |
| Assets per employee ($millions) | 7.0849% | 1,890 |
| Cash dividends to net income (ytd only)* | 63.4999% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 3,702 |
| Loan loss allowance to noncurrent loans | 691.8717% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.0835% | 3,033 |
| Noncurrent loans to loans | 0.1312% | 2,897 |
| Net loans and leases to total assets | 60.5300% | 2,790 |
| Net loans and leases to deposits | 68.3084% | 2,958 |
| Net loans and leases to core deposits | 90.6363% | 1,888 |
| Total domestic deposits to total assets | 88.6100% | 1,373 |
| Equity capital to assets | 4.9785% | 4,255 |
| Core capital (leverage) ratio | 8.4972% | 4,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3656% | 2,490 |
| Memoranda: | ||
| Average total assets | $2,822,463,000 | 418 |
| Average earning assets | $2,595,639,250 | 409 |
| Average equity | $150,461,250 | 672 |
| Average total loans | $1,677,808,750 | 470 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 3,317 |
| Cost of funding earning assets | 1.4129% | 1,410 |
| Net interest margin | 2.7756% | 3,858 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.6712% | 1,715 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6837% | 3,374 |
| Return on assets (ROA) | 0.6538% | 3,451 |
| Pretax return on assets | 0.6538% | 3,695 |
| Return on Equity (ROE) | 12.0000% | 2,156 |
| Retained earnings to average equity (ytd only) | 5.3483% | 2,838 |
| Net charge-offs to loans | 0.0087% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 133.7222% | 794 |
| Efficiency ratio | 79.6198% | 863 |
| Assets per employee ($millions) | 7.0498% | 1,890 |
| Cash dividends to net income (ytd only)* | 55.4252% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 3,713 |
| Loan loss allowance to noncurrent loans | 449.3039% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 2,660 |
| Noncurrent loans to loans | 0.2049% | 2,441 |
| Net loans and leases to total assets | 59.8800% | 2,781 |
| Net loans and leases to deposits | 67.3086% | 2,964 |
| Net loans and leases to core deposits | 87.4081% | 1,975 |
| Total domestic deposits to total assets | 88.9600% | 1,272 |
| Equity capital to assets | 5.5834% | 4,275 |
| Core capital (leverage) ratio | 8.5892% | 4,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7470% | 2,386 |
| Memoranda: | ||
| Average total assets | $2,816,273,333 | 403 |
| Average earning assets | $2,593,411,667 | 399 |
| Average equity | $153,468,000 | 658 |
| Average total loans | $1,658,637,667 | 460 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0599% | 3,348 |
| Cost of funding earning assets | 1.1245% | 1,682 |
| Net interest margin | 2.9354% | 3,729 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.4407% | 2,396 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0313% | 2,433 |
| Return on assets (ROA) | 1.0391% | 2,378 |
| Pretax return on assets | 1.0391% | 2,887 |
| Return on Equity (ROE) | 19.3000% | 841 |
| Retained earnings to average equity (ytd only) | 9.6785% | 1,776 |
| Net charge-offs to loans | 0.0036% | 1,870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 486.8000% | 234 |
| Efficiency ratio | 70.2965% | 1,720 |
| Assets per employee ($millions) | 7.3250% | 1,733 |
| Cash dividends to net income (ytd only)* | 49.8573% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 3,754 |
| Loan loss allowance to noncurrent loans | 598.7678% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 2,887 |
| Noncurrent loans to loans | 0.1566% | 2,705 |
| Net loans and leases to total assets | 58.5700% | 2,814 |
| Net loans and leases to deposits | 63.2366% | 3,148 |
| Net loans and leases to core deposits | 79.7116% | 2,275 |
| Total domestic deposits to total assets | 92.6200% | 371 |
| Equity capital to assets | 5.5058% | 4,337 |
| Core capital (leverage) ratio | 8.5316% | 4,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9868% | 2,396 |
| Memoranda: | ||
| Average total assets | $2,832,080,500 | 416 |
| Average earning assets | $2,617,036,500 | 404 |
| Average equity | $152,462,000 | 672 |
| Average total loans | $1,646,485,500 | 472 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2927% | 3,599 |
| Cost of funding earning assets | 0.2311% | 3,504 |
| Net interest margin | 3.0615% | 3,285 |
| Noninterest income to average assets | 0.8500% | 895 |
| Noninterest expense to average assets | 2.5668% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1549% | 1,948 |
| Return on assets (ROA) | 1.1414% | 1,948 |
| Pretax return on assets | 1.1414% | 2,632 |
| Return on Equity (ROE) | 19.8800% | 494 |
| Retained earnings to average equity (ytd only) | 13.0957% | 498 |
| Net charge-offs to loans | 0.0092% | 2,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 236.8467% | 567 |
| Efficiency ratio | 68.9686% | 1,829 |
| Assets per employee ($millions) | 7.5031% | 1,615 |
| Cash dividends to net income (ytd only)* | 34.1327% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 3,619 |
| Loan loss allowance to noncurrent loans | 814.1276% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,141 |
| Noncurrent loans to loans | 0.1161% | 2,947 |
| Net loans and leases to total assets | 56.6300% | 2,956 |
| Net loans and leases to deposits | 60.9863% | 3,273 |
| Net loans and leases to core deposits | 69.4528% | 2,916 |
| Total domestic deposits to total assets | 92.8500% | 440 |
| Equity capital to assets | 5.2632% | 4,297 |
| Core capital (leverage) ratio | 8.5767% | 4,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8258% | 2,441 |
| Memoranda: | ||
| Average total assets | $2,809,659,800 | 414 |
| Average earning assets | $2,633,620,200 | 398 |
| Average equity | $161,297,600 | 638 |
| Average total loans | $1,488,890,600 | 482 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1222% | 3,621 |
| Cost of funding earning assets | 0.0998% | 4,284 |
| Net interest margin | 3.0225% | 3,161 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.5369% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2037% | 1,682 |
| Return on assets (ROA) | 1.1853% | 1,725 |
| Pretax return on assets | 1.1853% | 2,423 |
| Return on Equity (ROE) | 20.2200% | 414 |
| Retained earnings to average equity (ytd only) | 13.0584% | 602 |
| Net charge-offs to loans | 0.0075% | 1,858 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 307.9878% | 463 |
| Efficiency ratio | 67.8206% | 2,052 |
| Assets per employee ($millions) | 7.2523% | 1,780 |
| Cash dividends to net income (ytd only)* | 35.4069% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,479 |
| Loan loss allowance to noncurrent loans | 749.1058% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,132 |
| Noncurrent loans to loans | 0.1336% | 2,967 |
| Net loans and leases to total assets | 56.6800% | 2,833 |
| Net loans and leases to deposits | 60.1174% | 3,192 |
| Net loans and leases to core deposits | 66.4575% | 2,920 |
| Total domestic deposits to total assets | 94.2800% | 318 |
| Equity capital to assets | 4.9609% | 4,302 |
| Core capital (leverage) ratio | 8.4365% | 4,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1581% | 2,403 |
| Memoranda: | ||
| Average total assets | $2,797,407,000 | 417 |
| Average earning assets | $2,629,967,250 | 399 |
| Average equity | $164,007,500 | 632 |
| Average total loans | $1,452,563,750 | 488 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9000% | 3,779 |
| Cost of funding earning assets | 0.0642% | 4,497 |
| Net interest margin | 2.8358% | 3,326 |
| Noninterest income to average assets | 0.8914% | 862 |
| Noninterest expense to average assets | 2.4564% | 2,064 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1108% | 1,732 |
| Return on assets (ROA) | 1.0832% | 1,820 |
| Pretax return on assets | 1.0832% | 2,471 |
| Return on Equity (ROE) | 17.6126% | 514 |
| Retained earnings to average equity (ytd only) | 8.4567% | 1,455 |
| Net charge-offs to loans | 0.0121% | 1,546 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 182.6512% | 566 |
| Efficiency ratio | 68.8605% | 2,121 |
| Assets per employee ($millions) | 7.6025% | 1,548 |
| Cash dividends to net income (ytd only)* | 51.9846% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 3,379 |
| Loan loss allowance to noncurrent loans | 1,052.6495% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0528% | 3,459 |
| Noncurrent loans to loans | 0.0997% | 3,259 |
| Net loans and leases to total assets | 52.3474% | 3,120 |
| Net loans and leases to deposits | 55.5396% | 3,420 |
| Net loans and leases to core deposits | 61.4993% | 3,159 |
| Total domestic deposits to total assets | 94.2524% | 242 |
| Equity capital to assets | 5.0761% | 4,458 |
| Core capital (leverage) ratio | 8.1438% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4354% | 2,320 |
| Memoranda: | ||
| Average total assets | $2,828,168,333 | 408 |
| Average earning assets | $2,668,650,000 | 399 |
| Average equity | $173,944,000 | 607 |
| Average total loans | $1,420,525,667 | 489 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7217% | 3,899 |
| Cost of funding earning assets | 0.0603% | 4,525 |
| Net interest margin | 2.6613% | 3,501 |
| Noninterest income to average assets | 0.8672% | 894 |
| Noninterest expense to average assets | 2.4454% | 2,033 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9434% | 2,095 |
| Return on assets (ROA) | 0.9180% | 2,209 |
| Pretax return on assets | 0.9180% | 2,709 |
| Return on Equity (ROE) | 13.7484% | 883 |
| Retained earnings to average equity (ytd only) | 0.1389% | 3,990 |
| Net charge-offs to loans | 0.0072% | 1,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 268.6000% | 347 |
| Efficiency ratio | 72.1612% | 1,954 |
| Assets per employee ($millions) | 8.0436% | 1,332 |
| Cash dividends to net income (ytd only)* | 98.9899% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 3,268 |
| Loan loss allowance to noncurrent loans | 807.6843% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,408 |
| Noncurrent loans to loans | 0.1379% | 3,119 |
| Net loans and leases to total assets | 46.8982% | 3,495 |
| Net loans and leases to deposits | 50.1726% | 3,720 |
| Net loans and leases to core deposits | 54.0526% | 3,586 |
| Total domestic deposits to total assets | 93.4737% | 175 |
| Equity capital to assets | 5.9443% | 4,596 |
| Core capital (leverage) ratio | 7.9052% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8579% | 2,278 |
| Memoranda: | ||
| Average total assets | $2,847,189,000 | 407 |
| Average earning assets | $2,697,604,000 | 397 |
| Average equity | $190,101,500 | 576 |
| Average total loans | $1,392,761,000 | 493 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9136% | 4,028 |
| Cost of funding earning assets | 0.1054% | 4,346 |
| Net interest margin | 2.8082% | 3,645 |
| Noninterest income to average assets | 0.9899% | 1,023 |
| Noninterest expense to average assets | 2.6916% | 1,656 |
| Loan and lease loss provision to assets | -0.0083% | 4,159 |
| Net operating income to assets | 0.9765% | 2,768 |
| Return on assets (ROA) | 0.9723% | 2,849 |
| Pretax return on assets | 0.9723% | 3,337 |
| Return on Equity (ROE) | 12.5326% | 1,638 |
| Retained earnings to average equity (ytd only) | 6.2133% | 2,264 |
| Net charge-offs to loans | 0.0420% | 1,433 |
| Credit loss provision to net charge-offs | -36.8421% | 3,223 |
| Earnings coverage of net charge-offs (x) | 43.0105% | 1,394 |
| Efficiency ratio | 73.3794% | 1,380 |
| Assets per employee ($millions) | 7.4944% | 1,621 |
| Cash dividends to net income (ytd only)* | 50.4225% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1215% | 3,266 |
| Loan loss allowance to noncurrent loans | 247.0430% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 2,411 |
| Noncurrent loans to loans | 0.4540% | 1,998 |
| Net loans and leases to total assets | 49.9459% | 3,284 |
| Net loans and leases to deposits | 54.3800% | 3,570 |
| Net loans and leases to core deposits | 59.8668% | 3,323 |
| Total domestic deposits to total assets | 91.8459% | 224 |
| Equity capital to assets | 7.4608% | 4,605 |
| Core capital (leverage) ratio | 8.1482% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5388% | 2,039 |
| Memoranda: | ||
| Average total assets | $2,532,017,600 | 432 |
| Average earning assets | $2,407,425,200 | 418 |
| Average equity | $196,432,200 | 557 |
| Average total loans | $1,358,016,000 | 504 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9823% | 4,038 |
| Cost of funding earning assets | 0.1137% | 4,395 |
| Net interest margin | 2.8686% | 3,620 |
| Noninterest income to average assets | 0.9919% | 1,084 |
| Noninterest expense to average assets | 2.6790% | 1,644 |
| Loan and lease loss provision to assets | 0.0425% | 2,144 |
| Net operating income to assets | 0.9985% | 2,914 |
| Return on assets (ROA) | 0.9947% | 3,005 |
| Pretax return on assets | 0.9947% | 3,477 |
| Return on Equity (ROE) | 12.6865% | 1,806 |
| Retained earnings to average equity (ytd only) | 5.6520% | 2,980 |
| Net charge-offs to loans | 0.0133% | 1,829 |
| Credit loss provision to net charge-offs | 585.1852% | 713 |
| Earnings coverage of net charge-offs (x) | 143.2815% | 698 |
| Efficiency ratio | 71.7948% | 1,423 |
| Assets per employee ($millions) | 7.2731% | 1,697 |
| Cash dividends to net income (ytd only)* | 55.4485% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2970% | 2,505 |
| Loan loss allowance to noncurrent loans | 244.9403% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2628% | 2,457 |
| Noncurrent loans to loans | 0.5295% | 1,986 |
| Net loans and leases to total assets | 48.5149% | 3,571 |
| Net loans and leases to deposits | 54.6444% | 3,682 |
| Net loans and leases to core deposits | 58.9511% | 3,553 |
| Total domestic deposits to total assets | 88.7830% | 1,409 |
| Equity capital to assets | 7.7800% | 4,625 |
| Core capital (leverage) ratio | 8.3843% | 4,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3553% | 1,845 |
| Memoranda: | ||
| Average total assets | $2,477,414,000 | 443 |
| Average earning assets | $2,356,090,000 | 429 |
| Average equity | $194,239,000 | 562 |
| Average total loans | $1,350,193,000 | 515 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0364% | 3,978 |
| Cost of funding earning assets | 0.1211% | 4,432 |
| Net interest margin | 2.9153% | 3,541 |
| Noninterest income to average assets | 1.0210% | 1,036 |
| Noninterest expense to average assets | 2.7002% | 1,592 |
| Loan and lease loss provision to assets | 0.0655% | 1,735 |
| Net operating income to assets | 1.0271% | 2,801 |
| Return on assets (ROA) | 1.0228% | 2,893 |
| Pretax return on assets | 1.0228% | 3,393 |
| Return on Equity (ROE) | 13.0088% | 1,714 |
| Retained earnings to average equity (ytd only) | 4.4076% | 3,397 |
| Net charge-offs to loans | 0.0198% | 1,541 |
| Credit loss provision to net charge-offs | 585.1852% | 635 |
| Earnings coverage of net charge-offs (x) | 97.6667% | 763 |
| Efficiency ratio | 70.8580% | 1,541 |
| Assets per employee ($millions) | 6.9081% | 1,871 |
| Cash dividends to net income (ytd only)* | 66.1184% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2900% | 2,488 |
| Loan loss allowance to noncurrent loans | 234.4448% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 2,474 |
| Noncurrent loans to loans | 0.5502% | 2,024 |
| Net loans and leases to total assets | 51.3573% | 3,413 |
| Net loans and leases to deposits | 57.9645% | 3,550 |
| Net loans and leases to core deposits | 63.6025% | 3,323 |
| Total domestic deposits to total assets | 88.6013% | 1,505 |
| Equity capital to assets | 7.9234% | 4,573 |
| Core capital (leverage) ratio | 8.5907% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5404% | 1,792 |
| Memoranda: | ||
| Average total assets | $2,413,477,667 | 449 |
| Average earning assets | $2,294,616,667 | 436 |
| Average equity | $189,763,667 | 567 |
| Average total loans | $1,362,928,333 | 516 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1110% | 3,859 |
| Cost of funding earning assets | 0.1300% | 4,457 |
| Net interest margin | 2.9810% | 3,314 |
| Noninterest income to average assets | 1.0135% | 1,108 |
| Noninterest expense to average assets | 2.7102% | 1,599 |
| Loan and lease loss provision to assets | 0.1088% | 1,272 |
| Net operating income to assets | 1.0281% | 2,717 |
| Return on assets (ROA) | 1.0162% | 2,845 |
| Pretax return on assets | 1.0162% | 3,326 |
| Return on Equity (ROE) | 12.9790% | 1,678 |
| Retained earnings to average equity (ytd only) | 3.5395% | 3,624 |
| Net charge-offs to loans | 0.0156% | 1,431 |
| Credit loss provision to net charge-offs | 1,185.1852% | 373 |
| Earnings coverage of net charge-offs (x) | 123.8333% | 539 |
| Efficiency ratio | 70.1065% | 1,682 |
| Assets per employee ($millions) | 6.6864% | 2,013 |
| Cash dividends to net income (ytd only)* | 72.7288% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,776 |
| Loan loss allowance to noncurrent loans | 225.8998% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 2,581 |
| Noncurrent loans to loans | 0.5432% | 2,231 |
| Net loans and leases to total assets | 56.6719% | 2,959 |
| Net loans and leases to deposits | 63.8917% | 3,135 |
| Net loans and leases to core deposits | 70.7860% | 2,803 |
| Total domestic deposits to total assets | 88.6999% | 1,503 |
| Equity capital to assets | 7.6670% | 4,649 |
| Core capital (leverage) ratio | 8.5055% | 4,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7360% | 1,990 |
| Memoranda: | ||
| Average total assets | $2,352,582,000 | 452 |
| Average earning assets | $2,236,332,000 | 439 |
| Average equity | $184,205,500 | 582 |
| Average total loans | $1,384,861,500 | 508 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7035% | 3,567 |
| Cost of funding earning assets | 0.3029% | 4,128 |
| Net interest margin | 3.4006% | 2,776 |
| Noninterest income to average assets | 1.0346% | 987 |
| Noninterest expense to average assets | 2.9092% | 1,660 |
| Loan and lease loss provision to assets | 0.1808% | 2,134 |
| Net operating income to assets | 1.1587% | 1,693 |
| Return on assets (ROA) | 1.1509% | 1,845 |
| Pretax return on assets | 1.1509% | 2,512 |
| Return on Equity (ROE) | 13.7840% | 867 |
| Retained earnings to average equity (ytd only) | 6.4193% | 1,624 |
| Net charge-offs to loans | 0.0361% | 2,331 |
| Credit loss provision to net charge-offs | 744.1634% | 964 |
| Earnings coverage of net charge-offs (x) | 55.1342% | 1,120 |
| Efficiency ratio | 68.1307% | 2,225 |
| Assets per employee ($millions) | 6.4012% | 2,000 |
| Cash dividends to net income (ytd only)* | 53.4292% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 3,062 |
| Loan loss allowance to noncurrent loans | 164.6141% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 2,153 |
| Noncurrent loans to loans | 0.7157% | 1,911 |
| Net loans and leases to total assets | 59.7140% | 2,900 |
| Net loans and leases to deposits | 67.8679% | 3,093 |
| Net loans and leases to core deposits | 75.7975% | 2,746 |
| Total domestic deposits to total assets | 87.9856% | 1,479 |
| Equity capital to assets | 8.0006% | 4,707 |
| Core capital (leverage) ratio | 8.6457% | 4,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9727% | 1,861 |
| Memoranda: | ||
| Average total assets | $2,115,725,200 | 455 |
| Average earning assets | $1,999,609,800 | 446 |
| Average equity | $176,653,600 | 574 |
| Average total loans | $1,423,479,800 | 470 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 3,557 |
| Cost of funding earning assets | 0.3556% | 4,029 |
| Net interest margin | 3.4496% | 2,754 |
| Noninterest income to average assets | 1.0463% | 952 |
| Noninterest expense to average assets | 2.9694% | 1,508 |
| Loan and lease loss provision to assets | 0.1820% | 2,161 |
| Net operating income to assets | 1.1497% | 1,821 |
| Return on assets (ROA) | 1.1399% | 1,966 |
| Pretax return on assets | 1.1399% | 2,603 |
| Return on Equity (ROE) | 13.4960% | 976 |
| Retained earnings to average equity (ytd only) | 4.8474% | 2,632 |
| Net charge-offs to loans | 0.0479% | 1,928 |
| Credit loss provision to net charge-offs | 549.6109% | 1,218 |
| Earnings coverage of net charge-offs (x) | 40.2257% | 1,356 |
| Efficiency ratio | 68.6932% | 2,088 |
| Assets per employee ($millions) | 6.2879% | 2,011 |
| Cash dividends to net income (ytd only)* | 64.0827% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,532 |
| Loan loss allowance to noncurrent loans | 272.0205% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 2,998 |
| Noncurrent loans to loans | 0.3812% | 2,919 |
| Net loans and leases to total assets | 65.8669% | 2,538 |
| Net loans and leases to deposits | 75.1787% | 2,831 |
| Net loans and leases to core deposits | 84.1328% | 2,459 |
| Total domestic deposits to total assets | 87.6138% | 1,390 |
| Equity capital to assets | 8.1513% | 4,657 |
| Core capital (leverage) ratio | 8.7508% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1652% | 2,125 |
| Memoranda: | ||
| Average total assets | $2,070,145,500 | 455 |
| Average earning assets | $1,953,237,000 | 445 |
| Average equity | $174,852,750 | 571 |
| Average total loans | $1,432,196,000 | 460 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9086% | 3,591 |
| Cost of funding earning assets | 0.4423% | 3,831 |
| Net interest margin | 3.4664% | 2,898 |
| Noninterest income to average assets | 1.0607% | 884 |
| Noninterest expense to average assets | 3.0467% | 1,473 |
| Loan and lease loss provision to assets | 0.1313% | 2,707 |
| Net operating income to assets | 1.1493% | 1,801 |
| Return on assets (ROA) | 1.1588% | 1,896 |
| Pretax return on assets | 1.1588% | 2,503 |
| Return on Equity (ROE) | 13.5459% | 965 |
| Retained earnings to average equity (ytd only) | 1.9576% | 3,776 |
| Net charge-offs to loans | 0.0793% | 1,457 |
| Credit loss provision to net charge-offs | 236.1854% | 1,791 |
| Earnings coverage of net charge-offs (x) | 23.0357% | 1,612 |
| Efficiency ratio | 70.0536% | 1,946 |
| Assets per employee ($millions) | 6.1532% | 2,062 |
| Cash dividends to net income (ytd only)* | 85.5481% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 3,875 |
| Loan loss allowance to noncurrent loans | 212.3924% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3413% | 2,934 |
| Noncurrent loans to loans | 0.4384% | 2,843 |
| Net loans and leases to total assets | 68.0454% | 2,345 |
| Net loans and leases to deposits | 77.7171% | 2,693 |
| Net loans and leases to core deposits | 85.2329% | 2,503 |
| Total domestic deposits to total assets | 87.5553% | 1,399 |
| Equity capital to assets | 8.1276% | 4,663 |
| Core capital (leverage) ratio | 8.9070% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8307% | 2,248 |
| Memoranda: | ||
| Average total assets | $2,018,223,333 | 459 |
| Average earning assets | $1,901,942,333 | 450 |
| Average equity | $172,657,000 | 573 |
| Average total loans | $1,415,761,000 | 457 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1884% | 3,254 |
| Cost of funding earning assets | 0.6067% | 3,399 |
| Net interest margin | 3.5817% | 2,728 |
| Noninterest income to average assets | 1.0701% | 740 |
| Noninterest expense to average assets | 3.1534% | 1,519 |
| Loan and lease loss provision to assets | 0.0873% | 2,598 |
| Net operating income to assets | 1.2051% | 1,498 |
| Return on assets (ROA) | 1.2180% | 1,569 |
| Pretax return on assets | 1.2180% | 2,131 |
| Return on Equity (ROE) | 13.8538% | 727 |
| Retained earnings to average equity (ytd only) | -1.1681% | 4,165 |
| Net charge-offs to loans | 0.0524% | 1,488 |
| Credit loss provision to net charge-offs | 234.8066% | 1,329 |
| Earnings coverage of net charge-offs (x) | 34.7624% | 1,097 |
| Efficiency ratio | 70.5752% | 2,269 |
| Assets per employee ($millions) | 5.5136% | 2,108 |
| Cash dividends to net income (ytd only)* | 108.4317% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 3,893 |
| Loan loss allowance to noncurrent loans | 259.3445% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 3,208 |
| Noncurrent loans to loans | 0.3697% | 3,163 |
| Net loans and leases to total assets | 70.7490% | 2,126 |
| Net loans and leases to deposits | 81.6981% | 2,494 |
| Net loans and leases to core deposits | 96.4749% | 1,751 |
| Total domestic deposits to total assets | 86.5981% | 1,738 |
| Equity capital to assets | 8.7155% | 4,727 |
| Core capital (leverage) ratio | 9.5665% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2704% | 2,583 |
| Memoranda: | ||
| Average total assets | $1,947,456,000 | 458 |
| Average earning assets | $1,835,443,000 | 450 |
| Average equity | $171,217,000 | 576 |
| Average total loans | $1,381,926,500 | 456 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 3,136 |
| Cost of funding earning assets | 0.7398% | 2,976 |
| Net interest margin | 3.7001% | 2,818 |
| Noninterest income to average assets | 1.0685% | 831 |
| Noninterest expense to average assets | 3.1970% | 1,526 |
| Loan and lease loss provision to assets | 0.0799% | 2,396 |
| Net operating income to assets | 1.2679% | 1,814 |
| Return on assets (ROA) | 1.2760% | 1,864 |
| Pretax return on assets | 1.2760% | 2,591 |
| Return on Equity (ROE) | 14.8146% | 724 |
| Retained earnings to average equity (ytd only) | 7.8948% | 1,008 |
| Net charge-offs to loans | 0.0143% | 3,193 |
| Credit loss provision to net charge-offs | 786.0825% | 418 |
| Earnings coverage of net charge-offs (x) | 132.5567% | 548 |
| Efficiency ratio | 69.9880% | 2,174 |
| Assets per employee ($millions) | 5.5992% | 1,974 |
| Cash dividends to net income (ytd only)* | 46.7097% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 3,754 |
| Loan loss allowance to noncurrent loans | 344.4181% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 3,491 |
| Noncurrent loans to loans | 0.2751% | 3,461 |
| Net loans and leases to total assets | 69.8227% | 2,425 |
| Net loans and leases to deposits | 78.4130% | 2,964 |
| Net loans and leases to core deposits | 94.5734% | 2,015 |
| Total domestic deposits to total assets | 89.0448% | 649 |
| Equity capital to assets | 8.8676% | 4,757 |
| Core capital (leverage) ratio | 9.7773% | 3,755 |
| Tier 1 risk-based capital ratio | 12.6467% | 3,978 |
| Total risk-based capital ratio | 13.5449% | 4,056 |
| Memoranda: | ||
| Average total assets | $1,907,887,600 | 441 |
| Average earning assets | $1,792,529,000 | 431 |
| Average equity | $164,324,200 | 562 |
| Average total loans | $1,353,017,200 | 442 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 3,125 |
| Cost of funding earning assets | 0.7708% | 2,865 |
| Net interest margin | 3.7106% | 2,881 |
| Noninterest income to average assets | 1.0939% | 765 |
| Noninterest expense to average assets | 3.2019% | 1,466 |
| Loan and lease loss provision to assets | 0.0861% | 2,195 |
| Net operating income to assets | 1.2874% | 1,896 |
| Return on assets (ROA) | 1.2995% | 1,947 |
| Pretax return on assets | 1.2995% | 2,672 |
| Return on Equity (ROE) | 15.2040% | 736 |
| Retained earnings to average equity (ytd only) | 7.6230% | 1,572 |
| Net charge-offs to loans | 0.0174% | 2,786 |
| Credit loss provision to net charge-offs | 696.0227% | 483 |
| Earnings coverage of net charge-offs (x) | 110.9947% | 694 |
| Efficiency ratio | 69.6258% | 2,173 |
| Assets per employee ($millions) | 5.3698% | 2,156 |
| Cash dividends to net income (ytd only)* | 49.8620% | 1,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 3,885 |
| Loan loss allowance to noncurrent loans | 422.2222% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,733 |
| Noncurrent loans to loans | 0.2221% | 3,748 |
| Net loans and leases to total assets | 72.3803% | 2,121 |
| Net loans and leases to deposits | 80.5141% | 2,848 |
| Net loans and leases to core deposits | 95.7983% | 2,018 |
| Total domestic deposits to total assets | 89.8977% | 312 |
| Equity capital to assets | 9.1600% | 4,690 |
| Core capital (leverage) ratio | 9.5461% | 4,118 |
| Tier 1 risk-based capital ratio | 12.5998% | 4,084 |
| Total risk-based capital ratio | 13.4937% | 4,171 |
| Memoranda: | ||
| Average total assets | $1,896,331,500 | 447 |
| Average earning assets | $1,779,239,250 | 434 |
| Average equity | $162,084,500 | 573 |
| Average total loans | $1,346,905,750 | 445 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4378% | 3,219 |
| Cost of funding earning assets | 0.7706% | 2,799 |
| Net interest margin | 3.6671% | 3,042 |
| Noninterest income to average assets | 1.0642% | 758 |
| Noninterest expense to average assets | 3.2297% | 1,444 |
| Loan and lease loss provision to assets | 0.1022% | 1,828 |
| Net operating income to assets | 1.1722% | 2,248 |
| Return on assets (ROA) | 1.1872% | 2,258 |
| Pretax return on assets | 1.1872% | 2,948 |
| Return on Equity (ROE) | 14.2219% | 929 |
| Retained earnings to average equity (ytd only) | 5.3549% | 2,594 |
| Net charge-offs to loans | 0.0213% | 2,425 |
| Credit loss provision to net charge-offs | 681.8182% | 474 |
| Earnings coverage of net charge-offs (x) | 84.9930% | 779 |
| Efficiency ratio | 71.3468% | 2,012 |
| Assets per employee ($millions) | 5.3780% | 2,072 |
| Cash dividends to net income (ytd only)* | 62.3476% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9197% | 4,008 |
| Loan loss allowance to noncurrent loans | 374.3215% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 3,872 |
| Noncurrent loans to loans | 0.2457% | 3,657 |
| Net loans and leases to total assets | 71.6270% | 2,260 |
| Net loans and leases to deposits | 79.2350% | 3,032 |
| Net loans and leases to core deposits | 96.0195% | 2,068 |
| Total domestic deposits to total assets | 90.3982% | 212 |
| Equity capital to assets | 8.7555% | 4,921 |
| Core capital (leverage) ratio | 9.1804% | 4,486 |
| Tier 1 risk-based capital ratio | 12.2834% | 4,249 |
| Total risk-based capital ratio | 13.1650% | 4,349 |
| Memoranda: | ||
| Average total assets | $1,907,338,330 | 447 |
| Average earning assets | $1,789,185,000 | 433 |
| Average equity | $159,219,330 | 580 |
| Average total loans | $1,342,061,670 | 452 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3798% | 3,304 |
| Cost of funding earning assets | 0.7690% | 2,691 |
| Net interest margin | 3.6109% | 3,215 |
| Noninterest income to average assets | 0.9806% | 850 |
| Noninterest expense to average assets | 3.0762% | 1,787 |
| Loan and lease loss provision to assets | 0.1095% | 1,627 |
| Net operating income to assets | 1.1857% | 2,111 |
| Return on assets (ROA) | 1.1957% | 2,118 |
| Pretax return on assets | 1.1957% | 2,821 |
| Return on Equity (ROE) | 14.6769% | 819 |
| Retained earnings to average equity (ytd only) | 6.1053% | 2,416 |
| Net charge-offs to loans | 0.0397% | 1,709 |
| Credit loss provision to net charge-offs | 397.7273% | 702 |
| Earnings coverage of net charge-offs (x) | 47.0303% | 1,061 |
| Efficiency ratio | 70.0029% | 2,340 |
| Assets per employee ($millions) | 5.5265% | 1,959 |
| Cash dividends to net income (ytd only)* | 58.4017% | 1,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,152 |
| Loan loss allowance to noncurrent loans | 400.0000% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.1570% | 4,022 |
| Noncurrent loans to loans | 0.2251% | 3,778 |
| Net loans and leases to total assets | 69.1223% | 2,608 |
| Net loans and leases to deposits | 75.8612% | 3,268 |
| Net loans and leases to core deposits | 93.9113% | 2,130 |
| Total domestic deposits to total assets | 91.1168% | 150 |
| Equity capital to assets | 8.2531% | 5,105 |
| Core capital (leverage) ratio | 9.0542% | 4,618 |
| Tier 1 risk-based capital ratio | 12.3164% | 4,293 |
| Total risk-based capital ratio | 13.1790% | 4,395 |
| Memoranda: | ||
| Average total assets | $1,917,172,500 | 445 |
| Average earning assets | $1,800,350,500 | 435 |
| Average equity | $156,191,500 | 585 |
| Average total loans | $1,330,776,000 | 452 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2244% | 3,377 |
| Cost of funding earning assets | 0.5711% | 2,916 |
| Net interest margin | 3.6534% | 3,208 |
| Noninterest income to average assets | 0.9898% | 962 |
| Noninterest expense to average assets | 3.0948% | 1,814 |
| Loan and lease loss provision to assets | 0.0736% | 2,661 |
| Net operating income to assets | 1.2583% | 1,948 |
| Return on assets (ROA) | 1.2582% | 1,944 |
| Pretax return on assets | 1.2582% | 2,664 |
| Return on Equity (ROE) | 15.5939% | 708 |
| Retained earnings to average equity (ytd only) | 8.8920% | 905 |
| Net charge-offs to loans | 0.0099% | 3,339 |
| Credit loss provision to net charge-offs | 1,097.5610% | 359 |
| Earnings coverage of net charge-offs (x) | 198.5447% | 458 |
| Efficiency ratio | 69.5324% | 2,277 |
| Assets per employee ($millions) | 5.5395% | 1,919 |
| Cash dividends to net income (ytd only)* | 42.9779% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 4,205 |
| Loan loss allowance to noncurrent loans | 360.3629% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 3,963 |
| Noncurrent loans to loans | 0.2471% | 3,701 |
| Net loans and leases to total assets | 68.4576% | 2,813 |
| Net loans and leases to deposits | 77.3269% | 3,241 |
| Net loans and leases to core deposits | 93.3972% | 2,280 |
| Total domestic deposits to total assets | 88.5301% | 1,057 |
| Equity capital to assets | 8.0395% | 5,150 |
| Core capital (leverage) ratio | 8.8159% | 4,801 |
| Tier 1 risk-based capital ratio | 12.5089% | 4,129 |
| Total risk-based capital ratio | 13.3689% | 4,237 |
| Memoranda: | ||
| Average total assets | $1,833,546,200 | 448 |
| Average earning assets | $1,724,890,800 | 439 |
| Average equity | $147,942,800 | 582 |
| Average total loans | $1,242,207,000 | 469 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1452% | 3,476 |
| Cost of funding earning assets | 0.5052% | 3,165 |
| Net interest margin | 3.6400% | 3,222 |
| Noninterest income to average assets | 1.0282% | 906 |
| Noninterest expense to average assets | 3.1158% | 1,723 |
| Loan and lease loss provision to assets | 0.0826% | 2,300 |
| Net operating income to assets | 1.2561% | 2,018 |
| Return on assets (ROA) | 1.2561% | 2,027 |
| Pretax return on assets | 1.2561% | 2,791 |
| Return on Equity (ROE) | 15.5527% | 776 |
| Retained earnings to average equity (ytd only) | 7.9755% | 1,667 |
| Net charge-offs to loans | 0.0136% | 2,939 |
| Credit loss provision to net charge-offs | 900.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 145.8342% | 561 |
| Efficiency ratio | 69.5666% | 2,263 |
| Assets per employee ($millions) | 5.4238% | 1,992 |
| Cash dividends to net income (ytd only)* | 48.7196% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 4,257 |
| Loan loss allowance to noncurrent loans | 491.5312% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 4,344 |
| Noncurrent loans to loans | 0.1833% | 4,065 |
| Net loans and leases to total assets | 67.1732% | 3,053 |
| Net loans and leases to deposits | 80.7092% | 2,960 |
| Net loans and leases to core deposits | 90.7739% | 2,588 |
| Total domestic deposits to total assets | 83.2287% | 3,221 |
| Equity capital to assets | 7.9269% | 5,200 |
| Core capital (leverage) ratio | 8.8271% | 4,866 |
| Tier 1 risk-based capital ratio | 12.3794% | 4,265 |
| Total risk-based capital ratio | 13.2367% | 4,394 |
| Memoranda: | ||
| Average total assets | $1,815,535,750 | 453 |
| Average earning assets | $1,708,980,250 | 435 |
| Average equity | $146,628,500 | 582 |
| Average total loans | $1,223,699,250 | 475 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 3,495 |
| Cost of funding earning assets | 0.4415% | 3,415 |
| Net interest margin | 3.6477% | 3,125 |
| Noninterest income to average assets | 1.0333% | 903 |
| Noninterest expense to average assets | 3.1697% | 1,610 |
| Loan and lease loss provision to assets | 0.0836% | 2,243 |
| Net operating income to assets | 1.2159% | 2,123 |
| Return on assets (ROA) | 1.2159% | 2,119 |
| Pretax return on assets | 1.2159% | 2,891 |
| Return on Equity (ROE) | 14.9586% | 860 |
| Retained earnings to average equity (ytd only) | 6.6321% | 2,241 |
| Net charge-offs to loans | 0.0167% | 2,586 |
| Credit loss provision to net charge-offs | 742.5743% | 539 |
| Earnings coverage of net charge-offs (x) | 115.3762% | 627 |
| Efficiency ratio | 70.5377% | 2,235 |
| Assets per employee ($millions) | 5.3576% | 2,035 |
| Cash dividends to net income (ytd only)* | 55.6636% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,402 |
| Loan loss allowance to noncurrent loans | 374.3616% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 4,168 |
| Noncurrent loans to loans | 0.2365% | 3,864 |
| Net loans and leases to total assets | 66.7066% | 3,051 |
| Net loans and leases to deposits | 79.9972% | 2,953 |
| Net loans and leases to core deposits | 86.6510% | 2,856 |
| Total domestic deposits to total assets | 83.3862% | 3,290 |
| Equity capital to assets | 7.8213% | 5,292 |
| Core capital (leverage) ratio | 8.8072% | 4,874 |
| Tier 1 risk-based capital ratio | 12.1447% | 4,406 |
| Total risk-based capital ratio | 12.9800% | 4,544 |
| Memoranda: | ||
| Average total assets | $1,793,364,330 | 457 |
| Average earning assets | $1,689,294,330 | 438 |
| Average equity | $145,775,330 | 581 |
| Average total loans | $1,206,357,330 | 474 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,493 |
| Cost of funding earning assets | 0.3324% | 4,120 |
| Net interest margin | 3.7011% | 2,793 |
| Noninterest income to average assets | 0.9686% | 983 |
| Noninterest expense to average assets | 3.2027% | 1,558 |
| Loan and lease loss provision to assets | 0.0855% | 2,093 |
| Net operating income to assets | 1.1742% | 2,119 |
| Return on assets (ROA) | 1.1742% | 2,128 |
| Pretax return on assets | 1.1742% | 2,873 |
| Return on Equity (ROE) | 14.1596% | 974 |
| Retained earnings to average equity (ytd only) | 7.1540% | 2,212 |
| Net charge-offs to loans | 0.0132% | 2,286 |
| Credit loss provision to net charge-offs | 961.5385% | 356 |
| Earnings coverage of net charge-offs (x) | 141.7179% | 456 |
| Efficiency ratio | 71.3790% | 2,284 |
| Assets per employee ($millions) | 5.0975% | 2,371 |
| Cash dividends to net income (ytd only)* | 49.4759% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 4,462 |
| Loan loss allowance to noncurrent loans | 238.7652% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 3,847 |
| Noncurrent loans to loans | 0.3760% | 3,438 |
| Net loans and leases to total assets | 67.0029% | 2,891 |
| Net loans and leases to deposits | 80.8704% | 2,710 |
| Net loans and leases to core deposits | 84.7630% | 2,915 |
| Total domestic deposits to total assets | 82.8522% | 3,714 |
| Equity capital to assets | 8.1103% | 5,227 |
| Core capital (leverage) ratio | 9.1392% | 4,521 |
| Tier 1 risk-based capital ratio | 12.4167% | 4,296 |
| Total risk-based capital ratio | 13.2586% | 4,437 |
| Memoranda: | ||
| Average total assets | $1,755,142,000 | 468 |
| Average earning assets | $1,656,805,500 | 454 |
| Average equity | $145,541,000 | 582 |
| Average total loans | $1,180,322,500 | 487 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 3,820 |
| Cost of funding earning assets | 0.2250% | 4,754 |
| Net interest margin | 3.6456% | 2,999 |
| Noninterest income to average assets | 1.0142% | 986 |
| Noninterest expense to average assets | 3.0736% | 1,941 |
| Loan and lease loss provision to assets | 0.0682% | 2,837 |
| Net operating income to assets | 1.3132% | 1,195 |
| Return on assets (ROA) | 1.3210% | 1,196 |
| Pretax return on assets | 1.3210% | 2,277 |
| Return on Equity (ROE) | 16.3917% | 440 |
| Retained earnings to average equity (ytd only) | 8.6912% | 562 |
| Net charge-offs to loans | 0.0158% | 3,567 |
| Credit loss provision to net charge-offs | 690.7514% | 477 |
| Earnings coverage of net charge-offs (x) | 139.8324% | 498 |
| Efficiency ratio | 68.5959% | 2,778 |
| Assets per employee ($millions) | 4.9889% | 2,490 |
| Cash dividends to net income (ytd only)* | 46.9782% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,430 |
| Loan loss allowance to noncurrent loans | 236.7863% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 3,851 |
| Noncurrent loans to loans | 0.3838% | 3,377 |
| Net loans and leases to total assets | 66.2691% | 3,063 |
| Net loans and leases to deposits | 73.0581% | 3,591 |
| Net loans and leases to core deposits | 76.2677% | 3,717 |
| Total domestic deposits to total assets | 90.7074% | 334 |
| Equity capital to assets | 8.4803% | 5,137 |
| Core capital (leverage) ratio | 8.8388% | 4,825 |
| Tier 1 risk-based capital ratio | 12.6884% | 4,098 |
| Total risk-based capital ratio | 13.5347% | 4,252 |
| Memoranda: | ||
| Average total assets | $1,751,099,200 | 452 |
| Average earning assets | $1,652,775,000 | 441 |
| Average equity | $141,119,800 | 575 |
| Average total loans | $1,096,905,000 | 497 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8315% | 3,897 |
| Cost of funding earning assets | 0.2141% | 4,854 |
| Net interest margin | 3.6174% | 3,078 |
| Noninterest income to average assets | 1.0519% | 924 |
| Noninterest expense to average assets | 3.0316% | 2,029 |
| Loan and lease loss provision to assets | 0.0683% | 2,708 |
| Net operating income to assets | 1.3673% | 1,163 |
| Return on assets (ROA) | 1.3695% | 1,177 |
| Pretax return on assets | 1.3695% | 2,222 |
| Return on Equity (ROE) | 17.2141% | 396 |
| Retained earnings to average equity (ytd only) | 8.3706% | 1,066 |
| Net charge-offs to loans | -0.0031% | 4,371 |
| Credit loss provision to net charge-offs | -3,600.0000% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4711% | 2,974 |
| Assets per employee ($millions) | 5.0728% | 2,361 |
| Cash dividends to net income (ytd only)* | 51.3739% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9124% | 4,507 |
| Loan loss allowance to noncurrent loans | 242.1948% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 4,063 |
| Noncurrent loans to loans | 0.3767% | 3,599 |
| Net loans and leases to total assets | 65.4539% | 3,183 |
| Net loans and leases to deposits | 77.1116% | 3,262 |
| Net loans and leases to core deposits | 79.1923% | 3,520 |
| Total domestic deposits to total assets | 84.8821% | 2,759 |
| Equity capital to assets | 8.5171% | 5,276 |
| Core capital (leverage) ratio | 8.9986% | 4,741 |
| Tier 1 risk-based capital ratio | 12.5717% | 4,274 |
| Total risk-based capital ratio | 13.4216% | 4,412 |
| Memoranda: | ||
| Average total assets | $1,757,336,250 | 454 |
| Average earning assets | $1,659,208,000 | 443 |
| Average equity | $139,804,000 | 584 |
| Average total loans | $1,082,532,250 | 502 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8091% | 3,857 |
| Cost of funding earning assets | 0.2070% | 4,911 |
| Net interest margin | 3.6021% | 3,032 |
| Noninterest income to average assets | 1.0621% | 894 |
| Noninterest expense to average assets | 2.9981% | 2,114 |
| Loan and lease loss provision to assets | 0.0679% | 2,615 |
| Net operating income to assets | 1.3997% | 1,068 |
| Return on assets (ROA) | 1.4029% | 1,088 |
| Pretax return on assets | 1.4029% | 2,012 |
| Return on Equity (ROE) | 18.0487% | 331 |
| Retained earnings to average equity (ytd only) | 8.2596% | 1,066 |
| Net charge-offs to loans | -0.0006% | 4,121 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7460% | 3,218 |
| Assets per employee ($millions) | 5.1104% | 2,261 |
| Cash dividends to net income (ytd only)* | 54.2369% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 4,583 |
| Loan loss allowance to noncurrent loans | 216.1588% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.2763% | 4,015 |
| Noncurrent loans to loans | 0.4223% | 3,507 |
| Net loans and leases to total assets | 64.8305% | 3,276 |
| Net loans and leases to deposits | 76.4297% | 3,296 |
| Net loans and leases to core deposits | 78.3010% | 3,567 |
| Total domestic deposits to total assets | 84.8238% | 2,881 |
| Equity capital to assets | 8.5022% | 5,304 |
| Core capital (leverage) ratio | 8.3055% | 5,350 |
| Tier 1 risk-based capital ratio | 12.5630% | 4,265 |
| Total risk-based capital ratio | 13.4033% | 4,408 |
| Memoranda: | ||
| Average total assets | $1,768,203,330 | 457 |
| Average earning assets | $1,670,752,000 | 444 |
| Average equity | $137,439,330 | 592 |
| Average total loans | $1,063,609,000 | 506 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6702% | 4,206 |
| Cost of funding earning assets | 0.1806% | 5,149 |
| Net interest margin | 3.4897% | 3,310 |
| Noninterest income to average assets | 1.0781% | 862 |
| Noninterest expense to average assets | 2.9005% | 2,453 |
| Loan and lease loss provision to assets | 0.0663% | 2,474 |
| Net operating income to assets | 1.4186% | 963 |
| Return on assets (ROA) | 1.4186% | 991 |
| Pretax return on assets | 1.4186% | 1,827 |
| Return on Equity (ROE) | 19.0856% | 282 |
| Retained earnings to average equity (ytd only) | 10.2210% | 762 |
| Net charge-offs to loans | -0.0042% | 4,133 |
| Credit loss provision to net charge-offs | -2,727.2727% | 4,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7507% | 3,538 |
| Assets per employee ($millions) | 5.5984% | 1,804 |
| Cash dividends to net income (ytd only)* | 46.4464% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 4,674 |
| Loan loss allowance to noncurrent loans | 355.8021% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 4,655 |
| Noncurrent loans to loans | 0.2590% | 4,189 |
| Net loans and leases to total assets | 57.2612% | 4,037 |
| Net loans and leases to deposits | 68.7601% | 3,915 |
| Net loans and leases to core deposits | 72.2751% | 3,965 |
| Total domestic deposits to total assets | 83.2768% | 3,743 |
| Equity capital to assets | 7.4682% | 5,688 |
| Core capital (leverage) ratio | 8.2405% | 5,411 |
| Tier 1 risk-based capital ratio | 12.3619% | 4,473 |
| Total risk-based capital ratio | 13.1773% | 4,666 |
| Memoranda: | ||
| Average total assets | $1,809,095,500 | 452 |
| Average earning assets | $1,714,549,500 | 440 |
| Average equity | $134,468,000 | 603 |
| Average total loans | $1,043,720,000 | 512 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6063% | 4,493 |
| Cost of funding earning assets | 0.1424% | 5,469 |
| Net interest margin | 3.4639% | 3,568 |
| Noninterest income to average assets | 1.0140% | 1,106 |
| Noninterest expense to average assets | 2.9098% | 2,640 |
| Loan and lease loss provision to assets | 0.0723% | 2,910 |
| Net operating income to assets | 1.3048% | 1,201 |
| Return on assets (ROA) | 1.3431% | 1,169 |
| Pretax return on assets | 1.3431% | 2,125 |
| Return on Equity (ROE) | 16.6608% | 441 |
| Retained earnings to average equity (ytd only) | 8.2341% | 777 |
| Net charge-offs to loans | 0.0071% | 4,018 |
| Credit loss provision to net charge-offs | 1,734.7826% | 254 |
| Earnings coverage of net charge-offs (x) | 330.2464% | 237 |
| Efficiency ratio | 67.4270% | 3,361 |
| Assets per employee ($millions) | 5.4327% | 1,920 |
| Cash dividends to net income (ytd only)* | 50.5782% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9228% | 4,684 |
| Loan loss allowance to noncurrent loans | 305.5824% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1859% | 4,575 |
| Noncurrent loans to loans | 0.3020% | 4,057 |
| Net loans and leases to total assets | 57.0575% | 4,157 |
| Net loans and leases to deposits | 67.2179% | 4,152 |
| Net loans and leases to core deposits | 68.3068% | 4,374 |
| Total domestic deposits to total assets | 84.8843% | 3,099 |
| Equity capital to assets | 7.3965% | 5,736 |
| Core capital (leverage) ratio | 8.5744% | 5,191 |
| Tier 1 risk-based capital ratio | 12.5040% | 4,372 |
| Total risk-based capital ratio | 13.3209% | 4,564 |
| Memoranda: | ||
| Average total assets | $1,654,610,600 | 467 |
| Average earning assets | $1,563,462,600 | 448 |
| Average equity | $133,384,800 | 597 |
| Average total loans | $978,675,400 | 519 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6596% | 4,373 |
| Cost of funding earning assets | 0.1435% | 5,519 |
| Net interest margin | 3.5161% | 3,411 |
| Noninterest income to average assets | 1.0483% | 1,034 |
| Noninterest expense to average assets | 2.9412% | 2,494 |
| Loan and lease loss provision to assets | 0.0772% | 2,680 |
| Net operating income to assets | 1.3497% | 1,166 |
| Return on assets (ROA) | 1.4018% | 1,122 |
| Pretax return on assets | 1.4018% | 2,031 |
| Return on Equity (ROE) | 17.0045% | 444 |
| Retained earnings to average equity (ytd only) | 7.4239% | 1,428 |
| Net charge-offs to loans | 0.0124% | 3,516 |
| Credit loss provision to net charge-offs | 1,044.4444% | 387 |
| Earnings coverage of net charge-offs (x) | 192.9729% | 381 |
| Efficiency ratio | 66.8811% | 3,445 |
| Assets per employee ($millions) | 5.2269% | 2,116 |
| Cash dividends to net income (ytd only)* | 56.3416% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 4,819 |
| Loan loss allowance to noncurrent loans | 416.8707% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 4,849 |
| Noncurrent loans to loans | 0.2201% | 4,479 |
| Net loans and leases to total assets | 60.6719% | 3,791 |
| Net loans and leases to deposits | 70.4012% | 3,952 |
| Net loans and leases to core deposits | 71.5604% | 4,192 |
| Total domestic deposits to total assets | 86.1802% | 2,270 |
| Equity capital to assets | 8.4952% | 5,533 |
| Core capital (leverage) ratio | 8.8780% | 4,969 |
| Tier 1 risk-based capital ratio | 12.6729% | 4,355 |
| Total risk-based capital ratio | 13.4955% | 4,546 |
| Memoranda: | ||
| Average total assets | $1,622,784,750 | 473 |
| Average earning assets | $1,532,243,250 | 454 |
| Average equity | $133,781,000 | 597 |
| Average total loans | $966,798,000 | 522 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6580% | 4,419 |
| Cost of funding earning assets | 0.1474% | 5,561 |
| Net interest margin | 3.5106% | 3,451 |
| Noninterest income to average assets | 1.0519% | 1,010 |
| Noninterest expense to average assets | 2.9124% | 2,632 |
| Loan and lease loss provision to assets | 0.0834% | 2,474 |
| Net operating income to assets | 1.3721% | 1,109 |
| Return on assets (ROA) | 1.3889% | 1,142 |
| Pretax return on assets | 1.3889% | 2,068 |
| Return on Equity (ROE) | 17.0227% | 438 |
| Retained earnings to average equity (ytd only) | 6.2114% | 2,009 |
| Net charge-offs to loans | 0.0080% | 3,418 |
| Credit loss provision to net charge-offs | 1,776.3158% | 231 |
| Earnings coverage of net charge-offs (x) | 309.9474% | 215 |
| Efficiency ratio | 66.2187% | 3,650 |
| Assets per employee ($millions) | 5.1479% | 2,144 |
| Cash dividends to net income (ytd only)* | 63.5110% | 1,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9249% | 4,870 |
| Loan loss allowance to noncurrent loans | 365.0000% | 1,387 |
| Noncurrent assets plus other real estate owned to assets | 0.2020% | 4,682 |
| Noncurrent loans to loans | 0.2534% | 4,444 |
| Net loans and leases to total assets | 59.3116% | 3,975 |
| Net loans and leases to deposits | 70.0178% | 3,979 |
| Net loans and leases to core deposits | 72.9099% | 4,093 |
| Total domestic deposits to total assets | 84.7094% | 2,999 |
| Equity capital to assets | 8.3732% | 5,663 |
| Core capital (leverage) ratio | 8.6247% | 5,239 |
| Tier 1 risk-based capital ratio | 12.6501% | 4,421 |
| Total risk-based capital ratio | 13.4720% | 4,611 |
| Memoranda: | ||
| Average total assets | $1,618,370,670 | 476 |
| Average earning assets | $1,528,701,330 | 457 |
| Average equity | $132,047,000 | 609 |
| Average total loans | $955,130,670 | 529 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7122% | 4,277 |
| Cost of funding earning assets | 0.1519% | 5,595 |
| Net interest margin | 3.5603% | 3,240 |
| Noninterest income to average assets | 0.9696% | 1,150 |
| Noninterest expense to average assets | 2.8697% | 2,815 |
| Loan and lease loss provision to assets | 0.0804% | 2,347 |
| Net operating income to assets | 1.3887% | 1,063 |
| Return on assets (ROA) | 1.4224% | 1,049 |
| Pretax return on assets | 1.4224% | 1,833 |
| Return on Equity (ROE) | 17.6647% | 387 |
| Retained earnings to average equity (ytd only) | 10.0138% | 842 |
| Net charge-offs to loans | -0.0051% | 4,293 |
| Credit loss provision to net charge-offs | -2,708.3333% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6783% | 3,852 |
| Assets per employee ($millions) | 5.2920% | 2,040 |
| Cash dividends to net income (ytd only)* | 43.3119% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 5,068 |
| Loan loss allowance to noncurrent loans | 288.1474% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 4,613 |
| Noncurrent loans to loans | 0.3113% | 4,313 |
| Net loans and leases to total assets | 59.0195% | 3,918 |
| Net loans and leases to deposits | 71.4363% | 3,703 |
| Net loans and leases to core deposits | 73.9744% | 3,899 |
| Total domestic deposits to total assets | 82.6184% | 4,030 |
| Equity capital to assets | 8.2260% | 5,732 |
| Core capital (leverage) ratio | 8.5086% | 5,385 |
| Tier 1 risk-based capital ratio | 12.4802% | 4,586 |
| Total risk-based capital ratio | 13.2690% | 4,819 |
| Memoranda: | ||
| Average total assets | $1,616,759,000 | 475 |
| Average earning assets | $1,530,002,000 | 458 |
| Average equity | $130,180,500 | 615 |
| Average total loans | $947,309,500 | 532 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5299% | 4,843 |
| Cost of funding earning assets | 0.1258% | 5,848 |
| Net interest margin | 3.4042% | 3,897 |
| Noninterest income to average assets | 1.0556% | 1,060 |
| Noninterest expense to average assets | 2.8387% | 3,077 |
| Loan and lease loss provision to assets | 0.0633% | 3,031 |
| Net operating income to assets | 1.3667% | 1,110 |
| Return on assets (ROA) | 1.3824% | 1,118 |
| Pretax return on assets | 1.3824% | 1,971 |
| Return on Equity (ROE) | 16.9838% | 454 |
| Retained earnings to average equity (ytd only) | 8.5424% | 766 |
| Net charge-offs to loans | 0.0095% | 4,129 |
| Credit loss provision to net charge-offs | 1,218.9873% | 278 |
| Earnings coverage of net charge-offs (x) | 275.5570% | 264 |
| Efficiency ratio | 66.0024% | 3,903 |
| Assets per employee ($millions) | 5.2236% | 2,094 |
| Cash dividends to net income (ytd only)* | 49.7030% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 5,083 |
| Loan loss allowance to noncurrent loans | 270.9321% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2421% | 4,631 |
| Noncurrent loans to loans | 0.3321% | 4,270 |
| Net loans and leases to total assets | 57.1046% | 4,187 |
| Net loans and leases to deposits | 67.5227% | 4,170 |
| Net loans and leases to core deposits | 70.0534% | 4,297 |
| Total domestic deposits to total assets | 84.5709% | 3,260 |
| Equity capital to assets | 7.8762% | 5,896 |
| Core capital (leverage) ratio | 8.7041% | 5,212 |
| Tier 1 risk-based capital ratio | 12.4343% | 4,676 |
| Total risk-based capital ratio | 13.2064% | 4,880 |
| Memoranda: | ||
| Average total assets | $1,522,365,400 | 467 |
| Average earning assets | $1,436,883,600 | 451 |
| Average equity | $123,912,000 | 618 |
| Average total loans | $828,012,000 | 566 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5241% | 4,929 |
| Cost of funding earning assets | 0.1261% | 5,942 |
| Net interest margin | 3.3980% | 3,966 |
| Noninterest income to average assets | 1.1194% | 962 |
| Noninterest expense to average assets | 2.8198% | 3,105 |
| Loan and lease loss provision to assets | 0.0657% | 2,868 |
| Net operating income to assets | 1.4376% | 1,031 |
| Return on assets (ROA) | 1.4589% | 1,034 |
| Pretax return on assets | 1.4589% | 1,807 |
| Return on Equity (ROE) | 17.7697% | 418 |
| Retained earnings to average equity (ytd only) | 7.8628% | 1,298 |
| Net charge-offs to loans | 0.0179% | 3,591 |
| Credit loss provision to net charge-offs | 685.1852% | 494 |
| Earnings coverage of net charge-offs (x) | 156.6720% | 446 |
| Efficiency ratio | 64.7267% | 4,113 |
| Assets per employee ($millions) | 5.1294% | 2,142 |
| Cash dividends to net income (ytd only)* | 55.7518% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 5,090 |
| Loan loss allowance to noncurrent loans | 233.4776% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.2829% | 4,634 |
| Noncurrent loans to loans | 0.3966% | 4,196 |
| Net loans and leases to total assets | 57.2072% | 4,222 |
| Net loans and leases to deposits | 67.3780% | 4,249 |
| Net loans and leases to core deposits | 69.9299% | 4,375 |
| Total domestic deposits to total assets | 84.9048% | 3,052 |
| Equity capital to assets | 8.3758% | 5,783 |
| Core capital (leverage) ratio | 8.6078% | 5,454 |
| Tier 1 risk-based capital ratio | 12.8029% | 4,548 |
| Total risk-based capital ratio | 13.5935% | 4,768 |
| Memoranda: | ||
| Average total assets | $1,500,740,750 | 478 |
| Average earning assets | $1,414,926,500 | 462 |
| Average equity | $123,210,750 | 621 |
| Average total loans | $803,245,750 | 589 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4745% | 5,052 |
| Cost of funding earning assets | 0.1245% | 6,019 |
| Net interest margin | 3.3500% | 4,108 |
| Noninterest income to average assets | 1.1612% | 891 |
| Noninterest expense to average assets | 2.7990% | 3,241 |
| Loan and lease loss provision to assets | 0.0588% | 2,926 |
| Net operating income to assets | 1.4594% | 970 |
| Return on assets (ROA) | 1.4884% | 963 |
| Pretax return on assets | 1.4884% | 1,681 |
| Return on Equity (ROE) | 18.2539% | 398 |
| Retained earnings to average equity (ytd only) | 7.8486% | 1,323 |
| Net charge-offs to loans | 0.0285% | 3,096 |
| Credit loss provision to net charge-offs | 396.3964% | 751 |
| Earnings coverage of net charge-offs (x) | 102.3514% | 589 |
| Efficiency ratio | 64.3317% | 4,301 |
| Assets per employee ($millions) | 5.2859% | 1,939 |
| Cash dividends to net income (ytd only)* | 57.0031% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 5,226 |
| Loan loss allowance to noncurrent loans | 220.6574% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2849% | 4,738 |
| Noncurrent loans to loans | 0.4167% | 4,224 |
| Net loans and leases to total assets | 54.0000% | 4,555 |
| Net loans and leases to deposits | 67.3646% | 4,196 |
| Net loans and leases to core deposits | 69.9625% | 4,329 |
| Total domestic deposits to total assets | 80.1608% | 4,828 |
| Equity capital to assets | 7.9407% | 6,010 |
| Core capital (leverage) ratio | 8.6524% | 5,366 |
| Tier 1 risk-based capital ratio | 12.7236% | 4,666 |
| Total risk-based capital ratio | 13.4947% | 4,877 |
| Memoranda: | ||
| Average total assets | $1,496,593,000 | 481 |
| Average earning assets | $1,409,968,670 | 465 |
| Average equity | $122,034,000 | 629 |
| Average total loans | $779,747,670 | 599 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 5,272 |
| Cost of funding earning assets | 0.1261% | 6,086 |
| Net interest margin | 3.2456% | 4,440 |
| Noninterest income to average assets | 1.1794% | 820 |
| Noninterest expense to average assets | 2.7943% | 3,271 |
| Loan and lease loss provision to assets | 0.0545% | 2,846 |
| Net operating income to assets | 1.4020% | 1,029 |
| Return on assets (ROA) | 1.4612% | 979 |
| Pretax return on assets | 1.4612% | 1,695 |
| Return on Equity (ROE) | 17.6746% | 420 |
| Retained earnings to average equity (ytd only) | 10.9832% | 725 |
| Net charge-offs to loans | -0.0177% | 4,987 |
| Credit loss provision to net charge-offs | -606.0606% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2157% | 4,284 |
| Assets per employee ($millions) | 5.1340% | 2,189 |
| Cash dividends to net income (ytd only)* | 37.8590% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 5,007 |
| Loan loss allowance to noncurrent loans | 253.4102% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 4,877 |
| Noncurrent loans to loans | 0.3956% | 4,404 |
| Net loans and leases to total assets | 51.0142% | 4,741 |
| Net loans and leases to deposits | 55.9889% | 5,052 |
| Net loans and leases to core deposits | 57.9728% | 5,124 |
| Total domestic deposits to total assets | 91.1149% | 332 |
| Equity capital to assets | 8.2895% | 5,877 |
| Core capital (leverage) ratio | 8.8142% | 5,186 |
| Tier 1 risk-based capital ratio | 14.1730% | 3,898 |
| Total risk-based capital ratio | 15.0313% | 4,081 |
| Memoranda: | ||
| Average total assets | $1,467,859,000 | 487 |
| Average earning assets | $1,389,086,000 | 470 |
| Average equity | $121,349,000 | 631 |
| Average total loans | $746,131,500 | 623 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5538% | 5,199 |
| Cost of funding earning assets | 0.1380% | 6,164 |
| Net interest margin | 3.4158% | 4,131 |
| Noninterest income to average assets | 1.1021% | 1,002 |
| Noninterest expense to average assets | 2.9408% | 3,028 |
| Loan and lease loss provision to assets | 0.0301% | 4,005 |
| Net operating income to assets | 1.3445% | 1,199 |
| Return on assets (ROA) | 1.3535% | 1,234 |
| Pretax return on assets | 1.3535% | 2,065 |
| Return on Equity (ROE) | 17.6536% | 430 |
| Retained earnings to average equity (ytd only) | 9.2068% | 660 |
| Net charge-offs to loans | 0.0494% | 3,838 |
| Credit loss provision to net charge-offs | 113.0435% | 2,103 |
| Earnings coverage of net charge-offs (x) | 51.5536% | 911 |
| Efficiency ratio | 67.5651% | 3,969 |
| Assets per employee ($millions) | 5.6080% | 1,687 |
| Cash dividends to net income (ytd only)* | 47.8472% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 4,908 |
| Loan loss allowance to noncurrent loans | 218.6456% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 5,020 |
| Noncurrent loans to loans | 0.4705% | 4,244 |
| Net loans and leases to total assets | 49.5960% | 5,009 |
| Net loans and leases to deposits | 57.6155% | 5,090 |
| Net loans and leases to core deposits | 59.8059% | 5,155 |
| Total domestic deposits to total assets | 86.0809% | 2,795 |
| Equity capital to assets | 8.2440% | 5,935 |
| Core capital (leverage) ratio | 8.8534% | 5,177 |
| Tier 1 risk-based capital ratio | 14.3519% | 3,862 |
| Total risk-based capital ratio | 15.2264% | 4,034 |
| Memoranda: | ||
| Average total assets | $1,293,833,000 | 523 |
| Average earning assets | $1,217,166,000 | 509 |
| Average equity | $99,198,000 | 740 |
| Average total loans | $698,442,800 | 620 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5850% | 5,183 |
| Cost of funding earning assets | 0.1421% | 6,231 |
| Net interest margin | 3.4429% | 4,050 |
| Noninterest income to average assets | 1.1283% | 953 |
| Noninterest expense to average assets | 2.9423% | 2,985 |
| Loan and lease loss provision to assets | 0.0414% | 3,575 |
| Net operating income to assets | 1.3788% | 1,176 |
| Return on assets (ROA) | 1.3913% | 1,191 |
| Pretax return on assets | 1.3913% | 2,045 |
| Return on Equity (ROE) | 18.5489% | 393 |
| Retained earnings to average equity (ytd only) | 8.3712% | 1,199 |
| Net charge-offs to loans | 0.0586% | 3,377 |
| Credit loss provision to net charge-offs | 128.2895% | 1,804 |
| Earnings coverage of net charge-offs (x) | 43.9938% | 1,061 |
| Efficiency ratio | 66.8541% | 4,072 |
| Assets per employee ($millions) | 5.2185% | 1,994 |
| Cash dividends to net income (ytd only)* | 54.8695% | 1,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 4,916 |
| Loan loss allowance to noncurrent loans | 284.5920% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,382 |
| Noncurrent loans to loans | 0.3742% | 4,786 |
| Net loans and leases to total assets | 52.5562% | 4,746 |
| Net loans and leases to deposits | 57.5763% | 5,134 |
| Net loans and leases to core deposits | 59.9470% | 5,193 |
| Total domestic deposits to total assets | 91.2809% | 286 |
| Equity capital to assets | 7.3166% | 6,337 |
| Core capital (leverage) ratio | 7.6880% | 6,220 |
| Tier 1 risk-based capital ratio | 12.2536% | 5,326 |
| Total risk-based capital ratio | 13.1808% | 5,454 |
| Memoranda: | ||
| Average total assets | $1,255,573,500 | 534 |
| Average earning assets | $1,179,485,750 | 520 |
| Average equity | $94,177,500 | 781 |
| Average total loans | $691,791,500 | 622 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 5,105 |
| Cost of funding earning assets | 0.1461% | 6,287 |
| Net interest margin | 3.4687% | 3,898 |
| Noninterest income to average assets | 1.1647% | 858 |
| Noninterest expense to average assets | 2.9534% | 2,992 |
| Loan and lease loss provision to assets | 0.0633% | 3,003 |
| Net operating income to assets | 1.4036% | 1,053 |
| Return on assets (ROA) | 1.4227% | 1,052 |
| Pretax return on assets | 1.4227% | 1,810 |
| Return on Equity (ROE) | 18.8025% | 380 |
| Retained earnings to average equity (ytd only) | 7.5373% | 1,509 |
| Net charge-offs to loans | 0.0753% | 2,947 |
| Credit loss provision to net charge-offs | 150.5792% | 1,444 |
| Earnings coverage of net charge-offs (x) | 34.8958% | 1,159 |
| Efficiency ratio | 66.2199% | 4,333 |
| Assets per employee ($millions) | 4.9616% | 2,264 |
| Cash dividends to net income (ytd only)* | 59.9133% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0834% | 4,975 |
| Loan loss allowance to noncurrent loans | 311.9934% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 5,491 |
| Noncurrent loans to loans | 0.3473% | 4,963 |
| Net loans and leases to total assets | 55.0872% | 4,399 |
| Net loans and leases to deposits | 60.2411% | 4,846 |
| Net loans and leases to core deposits | 62.8989% | 4,906 |
| Total domestic deposits to total assets | 91.4445% | 278 |
| Equity capital to assets | 7.7041% | 6,296 |
| Core capital (leverage) ratio | 7.7860% | 6,215 |
| Tier 1 risk-based capital ratio | 12.1572% | 5,449 |
| Total risk-based capital ratio | 13.1065% | 5,547 |
| Memoranda: | ||
| Average total assets | $1,232,268,670 | 548 |
| Average earning assets | $1,156,569,000 | 532 |
| Average equity | $93,243,000 | 784 |
| Average total loans | $687,680,330 | 624 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 5,167 |
| Cost of funding earning assets | 0.1482% | 6,363 |
| Net interest margin | 3.4522% | 3,889 |
| Noninterest income to average assets | 1.1501% | 840 |
| Noninterest expense to average assets | 2.9901% | 2,897 |
| Loan and lease loss provision to assets | 0.0589% | 2,939 |
| Net operating income to assets | 1.3459% | 1,112 |
| Return on assets (ROA) | 1.3845% | 1,062 |
| Pretax return on assets | 1.3845% | 1,805 |
| Return on Equity (ROE) | 18.4686% | 405 |
| Retained earnings to average equity (ytd only) | 11.5243% | 673 |
| Net charge-offs to loans | 0.1487% | 1,827 |
| Credit loss provision to net charge-offs | 70.8661% | 1,995 |
| Earnings coverage of net charge-offs (x) | 16.9134% | 1,485 |
| Efficiency ratio | 67.4330% | 4,285 |
| Assets per employee ($millions) | 5.1509% | 2,064 |
| Cash dividends to net income (ytd only)* | 37.6004% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0646% | 5,274 |
| Loan loss allowance to noncurrent loans | 147.4287% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 4,922 |
| Noncurrent loans to loans | 0.7221% | 4,059 |
| Net loans and leases to total assets | 54.0438% | 4,412 |
| Net loans and leases to deposits | 58.7746% | 4,864 |
| Net loans and leases to core deposits | 61.9467% | 4,886 |
| Total domestic deposits to total assets | 91.9509% | 252 |
| Equity capital to assets | 7.3929% | 6,348 |
| Core capital (leverage) ratio | 7.9520% | 6,147 |
| Tier 1 risk-based capital ratio | 12.0682% | 5,601 |
| Total risk-based capital ratio | 12.9941% | 5,727 |
| Memoranda: | ||
| Average total assets | $1,223,239,500 | 554 |
| Average earning assets | $1,149,759,000 | 538 |
| Average equity | $91,701,500 | 798 |
| Average total loans | $683,363,500 | 631 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 5,309 |
| Cost of funding earning assets | 0.1812% | 6,383 |
| Net interest margin | 3.4572% | 4,066 |
| Noninterest income to average assets | 1.1938% | 993 |
| Noninterest expense to average assets | 3.1747% | 2,495 |
| Loan and lease loss provision to assets | 0.0119% | 4,887 |
| Net operating income to assets | 1.2483% | 1,400 |
| Return on assets (ROA) | 1.3001% | 1,299 |
| Pretax return on assets | 1.3001% | 2,153 |
| Return on Equity (ROE) | 17.3671% | 465 |
| Retained earnings to average equity (ytd only) | 8.6494% | 863 |
| Net charge-offs to loans | 0.0376% | 4,705 |
| Credit loss provision to net charge-offs | 55.5556% | 3,681 |
| Earnings coverage of net charge-offs (x) | 58.8436% | 697 |
| Efficiency ratio | 70.9406% | 3,679 |
| Assets per employee ($millions) | 4.8348% | 2,397 |
| Cash dividends to net income (ytd only)* | 50.1966% | 2,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,181 |
| Loan loss allowance to noncurrent loans | 122.4277% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5280% | 4,660 |
| Noncurrent loans to loans | 0.8939% | 3,753 |
| Net loans and leases to total assets | 56.5600% | 4,245 |
| Net loans and leases to deposits | 62.1631% | 4,706 |
| Net loans and leases to core deposits | 65.7177% | 4,720 |
| Total domestic deposits to total assets | 90.9865% | 578 |
| Equity capital to assets | 7.6071% | 6,230 |
| Core capital (leverage) ratio | 7.9681% | 6,157 |
| Tier 1 risk-based capital ratio | 11.8314% | 5,717 |
| Total risk-based capital ratio | 12.7751% | 5,834 |
| Memoranda: | ||
| Average total assets | $1,134,651,800 | 580 |
| Average earning assets | $1,063,756,000 | 559 |
| Average equity | $84,942,000 | 841 |
| Average total loans | $645,940,800 | 651 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6266% | 5,368 |
| Cost of funding earning assets | 0.1884% | 6,456 |
| Net interest margin | 3.4382% | 4,131 |
| Noninterest income to average assets | 1.2447% | 947 |
| Noninterest expense to average assets | 3.1630% | 2,469 |
| Loan and lease loss provision to assets | 0.0160% | 4,694 |
| Net operating income to assets | 1.2873% | 1,381 |
| Return on assets (ROA) | 1.3573% | 1,256 |
| Pretax return on assets | 1.3573% | 2,084 |
| Return on Equity (ROE) | 18.2086% | 423 |
| Retained earnings to average equity (ytd only) | 8.2420% | 1,319 |
| Net charge-offs to loans | 0.0286% | 4,556 |
| Credit loss provision to net charge-offs | 98.5401% | 2,422 |
| Earnings coverage of net charge-offs (x) | 80.0739% | 593 |
| Efficiency ratio | 70.1718% | 3,734 |
| Assets per employee ($millions) | 4.8079% | 2,430 |
| Cash dividends to net income (ytd only)* | 54.7356% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,142 |
| Loan loss allowance to noncurrent loans | 133.5999% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4965% | 4,952 |
| Noncurrent loans to loans | 0.8565% | 4,108 |
| Net loans and leases to total assets | 56.2922% | 4,279 |
| Net loans and leases to deposits | 61.5458% | 4,808 |
| Net loans and leases to core deposits | 65.1556% | 4,786 |
| Total domestic deposits to total assets | 91.4639% | 379 |
| Equity capital to assets | 7.1252% | 6,512 |
| Core capital (leverage) ratio | 8.0539% | 6,187 |
| Tier 1 risk-based capital ratio | 11.8637% | 5,866 |
| Total risk-based capital ratio | 12.8473% | 5,977 |
| Memoranda: | ||
| Average total assets | $1,122,185,000 | 590 |
| Average earning assets | $1,051,530,500 | 567 |
| Average equity | $83,650,500 | 856 |
| Average total loans | $638,081,750 | 662 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6219% | 5,370 |
| Cost of funding earning assets | 0.1989% | 6,477 |
| Net interest margin | 3.4231% | 4,099 |
| Noninterest income to average assets | 1.1914% | 1,071 |
| Noninterest expense to average assets | 3.1286% | 2,581 |
| Loan and lease loss provision to assets | 0.0243% | 4,431 |
| Net operating income to assets | 1.2440% | 1,476 |
| Return on assets (ROA) | 1.3499% | 1,280 |
| Pretax return on assets | 1.3499% | 2,122 |
| Return on Equity (ROE) | 17.8371% | 472 |
| Retained earnings to average equity (ytd only) | 6.8063% | 1,980 |
| Net charge-offs to loans | 0.0405% | 4,112 |
| Credit loss provision to net charge-offs | 105.4688% | 2,097 |
| Earnings coverage of net charge-offs (x) | 55.0703% | 747 |
| Efficiency ratio | 70.4927% | 3,738 |
| Assets per employee ($millions) | 4.6361% | 2,599 |
| Cash dividends to net income (ytd only)* | 61.8419% | 1,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 5,143 |
| Loan loss allowance to noncurrent loans | 131.7005% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5275% | 4,946 |
| Noncurrent loans to loans | 0.8892% | 4,150 |
| Net loans and leases to total assets | 57.8220% | 4,019 |
| Net loans and leases to deposits | 64.3499% | 4,458 |
| Net loans and leases to core deposits | 68.4973% | 4,451 |
| Total domestic deposits to total assets | 89.8557% | 1,115 |
| Equity capital to assets | 7.7642% | 6,334 |
| Core capital (leverage) ratio | 8.0475% | 6,147 |
| Tier 1 risk-based capital ratio | 11.8693% | 5,865 |
| Total risk-based capital ratio | 12.8814% | 5,990 |
| Memoranda: | ||
| Average total assets | $1,111,614,000 | 596 |
| Average earning assets | $1,040,935,330 | 571 |
| Average equity | $84,128,000 | 850 |
| Average total loans | $631,751,330 | 664 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5359% | 5,617 |
| Cost of funding earning assets | 0.2167% | 6,493 |
| Net interest margin | 3.3192% | 4,444 |
| Noninterest income to average assets | 1.2257% | 1,013 |
| Noninterest expense to average assets | 3.0511% | 2,834 |
| Loan and lease loss provision to assets | 0.0483% | 3,813 |
| Net operating income to assets | 1.2386% | 1,416 |
| Return on assets (ROA) | 1.4493% | 1,037 |
| Pretax return on assets | 1.4493% | 1,710 |
| Return on Equity (ROE) | 19.3974% | 332 |
| Retained earnings to average equity (ytd only) | 11.1663% | 837 |
| Net charge-offs to loans | 0.0307% | 3,605 |
| Credit loss provision to net charge-offs | 281.2500% | 841 |
| Earnings coverage of net charge-offs (x) | 74.9375% | 496 |
| Efficiency ratio | 69.6660% | 4,025 |
| Assets per employee ($millions) | 4.7193% | 2,616 |
| Cash dividends to net income (ytd only)* | 42.4340% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2081% | 5,146 |
| Loan loss allowance to noncurrent loans | 125.1728% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 5,005 |
| Noncurrent loans to loans | 0.9651% | 4,206 |
| Net loans and leases to total assets | 55.6254% | 4,144 |
| Net loans and leases to deposits | 60.9522% | 4,685 |
| Net loans and leases to core deposits | 65.2050% | 4,633 |
| Total domestic deposits to total assets | 91.2606% | 422 |
| Equity capital to assets | 7.5178% | 6,589 |
| Core capital (leverage) ratio | 7.7810% | 6,306 |
| Tier 1 risk-based capital ratio | 11.7900% | 6,033 |
| Total risk-based capital ratio | 12.8369% | 6,104 |
| Memoranda: | ||
| Average total assets | $1,118,038,000 | 600 |
| Average earning assets | $1,048,339,500 | 574 |
| Average equity | $83,537,000 | 865 |
| Average total loans | $626,198,500 | 668 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 5,493 |
| Cost of funding earning assets | 0.2906% | 6,502 |
| Net interest margin | 3.6385% | 3,925 |
| Noninterest income to average assets | 1.1064% | 1,265 |
| Noninterest expense to average assets | 3.2475% | 2,474 |
| Loan and lease loss provision to assets | 0.0725% | 4,825 |
| Net operating income to assets | 1.1685% | 1,697 |
| Return on assets (ROA) | 1.3108% | 1,410 |
| Pretax return on assets | 1.3108% | 2,353 |
| Return on Equity (ROE) | 16.5682% | 590 |
| Retained earnings to average equity (ytd only) | 7.5981% | 1,281 |
| Net charge-offs to loans | 0.0066% | 5,865 |
| Credit loss provision to net charge-offs | 1,910.2564% | 119 |
| Earnings coverage of net charge-offs (x) | 326.8718% | 122 |
| Efficiency ratio | 71.6486% | 3,486 |
| Assets per employee ($millions) | 4.8381% | 2,434 |
| Cash dividends to net income (ytd only)* | 54.1404% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 5,079 |
| Loan loss allowance to noncurrent loans | 115.6721% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5940% | 4,991 |
| Noncurrent loans to loans | 1.0443% | 4,128 |
| Net loans and leases to total assets | 55.0386% | 4,447 |
| Net loans and leases to deposits | 60.2997% | 4,996 |
| Net loans and leases to core deposits | 65.0820% | 4,826 |
| Total domestic deposits to total assets | 91.2752% | 410 |
| Equity capital to assets | 7.4256% | 6,659 |
| Core capital (leverage) ratio | 7.9632% | 6,230 |
| Tier 1 risk-based capital ratio | 11.5555% | 6,057 |
| Total risk-based capital ratio | 12.5993% | 6,164 |
| Memoranda: | ||
| Average total assets | $1,027,207,400 | 649 |
| Average earning assets | $954,846,200 | 623 |
| Average equity | $81,270,000 | 862 |
| Average total loans | $589,471,600 | 699 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0090% | 5,492 |
| Cost of funding earning assets | 0.3134% | 6,545 |
| Net interest margin | 3.6956% | 3,814 |
| Noninterest income to average assets | 1.1454% | 1,160 |
| Noninterest expense to average assets | 3.2642% | 2,370 |
| Loan and lease loss provision to assets | 0.0989% | 4,330 |
| Net operating income to assets | 1.2146% | 1,687 |
| Return on assets (ROA) | 1.4088% | 1,322 |
| Pretax return on assets | 1.4088% | 2,204 |
| Return on Equity (ROE) | 17.5073% | 550 |
| Retained earnings to average equity (ytd only) | 6.9716% | 2,150 |
| Net charge-offs to loans | 0.0069% | 5,642 |
| Credit loss provision to net charge-offs | 2,483.3333% | 109 |
| Earnings coverage of net charge-offs (x) | 329.8918% | 137 |
| Efficiency ratio | 70.6019% | 3,573 |
| Assets per employee ($millions) | 4.5243% | 2,872 |
| Cash dividends to net income (ytd only)* | 60.1790% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,193 |
| Loan loss allowance to noncurrent loans | 91.6728% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 4,617 |
| Noncurrent loans to loans | 1.3318% | 3,809 |
| Net loans and leases to total assets | 58.5489% | 4,035 |
| Net loans and leases to deposits | 66.7398% | 4,369 |
| Net loans and leases to core deposits | 72.6787% | 4,172 |
| Total domestic deposits to total assets | 87.7271% | 2,205 |
| Equity capital to assets | 8.1336% | 6,523 |
| Core capital (leverage) ratio | 7.8133% | 6,458 |
| Tier 1 risk-based capital ratio | 11.3809% | 6,310 |
| Total risk-based capital ratio | 12.4358% | 6,370 |
| Memoranda: | ||
| Average total assets | $1,004,608,250 | 668 |
| Average earning assets | $933,037,750 | 644 |
| Average equity | $80,840,250 | 868 |
| Average total loans | $581,180,750 | 712 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0363% | 5,525 |
| Cost of funding earning assets | 0.3330% | 6,589 |
| Net interest margin | 3.7034% | 3,799 |
| Noninterest income to average assets | 1.1021% | 1,179 |
| Noninterest expense to average assets | 3.2945% | 2,324 |
| Loan and lease loss provision to assets | 0.0705% | 4,748 |
| Net operating income to assets | 1.1704% | 1,814 |
| Return on assets (ROA) | 1.3476% | 1,469 |
| Pretax return on assets | 1.3476% | 2,396 |
| Return on Equity (ROE) | 16.8094% | 668 |
| Retained earnings to average equity (ytd only) | 4.9815% | 3,292 |
| Net charge-offs to loans | 0.0752% | 4,393 |
| Credit loss provision to net charge-offs | 163.5514% | 1,704 |
| Earnings coverage of net charge-offs (x) | 28.7804% | 1,103 |
| Efficiency ratio | 71.9191% | 3,444 |
| Assets per employee ($millions) | 4.5753% | 2,763 |
| Cash dividends to net income (ytd only)* | 70.3648% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,514 |
| Loan loss allowance to noncurrent loans | 81.0140% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 4,737 |
| Noncurrent loans to loans | 1.4357% | 3,764 |
| Net loans and leases to total assets | 56.1282% | 4,447 |
| Net loans and leases to deposits | 64.1095% | 4,755 |
| Net loans and leases to core deposits | 70.6175% | 4,455 |
| Total domestic deposits to total assets | 87.5505% | 2,434 |
| Equity capital to assets | 7.7625% | 6,688 |
| Core capital (leverage) ratio | 7.8968% | 6,377 |
| Tier 1 risk-based capital ratio | 11.0291% | 6,481 |
| Total risk-based capital ratio | 12.0007% | 6,584 |
| Memoranda: | ||
| Average total assets | $992,615,670 | 672 |
| Average earning assets | $920,237,670 | 653 |
| Average equity | $79,574,670 | 871 |
| Average total loans | $569,313,670 | 729 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0810% | 5,524 |
| Cost of funding earning assets | 0.3454% | 6,659 |
| Net interest margin | 3.7356% | 3,666 |
| Noninterest income to average assets | 1.1085% | 1,150 |
| Noninterest expense to average assets | 3.3358% | 2,185 |
| Loan and lease loss provision to assets | 0.0872% | 4,285 |
| Net operating income to assets | 1.1542% | 1,869 |
| Return on assets (ROA) | 1.3399% | 1,509 |
| Pretax return on assets | 1.3399% | 2,392 |
| Return on Equity (ROE) | 16.4291% | 751 |
| Retained earnings to average equity (ytd only) | -0.1019% | 6,004 |
| Net charge-offs to loans | 0.0151% | 4,474 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 142.2857% | 254 |
| Efficiency ratio | 72.1431% | 3,415 |
| Assets per employee ($millions) | 4.2626% | 3,467 |
| Cash dividends to net income (ytd only)* | 100.6202% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2571% | 5,213 |
| Loan loss allowance to noncurrent loans | 78.9361% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9244% | 4,671 |
| Noncurrent loans to loans | 1.5925% | 3,731 |
| Net loans and leases to total assets | 56.3614% | 4,319 |
| Net loans and leases to deposits | 62.9394% | 4,777 |
| Net loans and leases to core deposits | 68.0832% | 4,668 |
| Total domestic deposits to total assets | 89.5488% | 1,337 |
| Equity capital to assets | 8.0127% | 6,517 |
| Core capital (leverage) ratio | 8.2205% | 5,998 |
| Tier 1 risk-based capital ratio | 11.5918% | 6,226 |
| Total risk-based capital ratio | 12.6487% | 6,314 |
| Memoranda: | ||
| Average total assets | $962,765,000 | 688 |
| Average earning assets | $893,999,000 | 669 |
| Average equity | $78,519,000 | 882 |
| Average total loans | $555,171,500 | 754 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4643% | 5,203 |
| Cost of funding earning assets | 0.3874% | 6,923 |
| Net interest margin | 4.0768% | 2,535 |
| Noninterest income to average assets | 1.0436% | 1,240 |
| Noninterest expense to average assets | 3.3822% | 2,287 |
| Loan and lease loss provision to assets | 0.0822% | 5,584 |
| Net operating income to assets | 1.3539% | 1,133 |
| Return on assets (ROA) | 1.3694% | 1,172 |
| Pretax return on assets | 1.3694% | 1,883 |
| Return on Equity (ROE) | 15.7004% | 651 |
| Retained earnings to average equity (ytd only) | 9.5694% | 655 |
| Net charge-offs to loans | 0.0675% | 5,634 |
| Credit loss provision to net charge-offs | 199.4413% | 1,260 |
| Earnings coverage of net charge-offs (x) | 34.8464% | 748 |
| Efficiency ratio | 69.8077% | 4,002 |
| Assets per employee ($millions) | 4.2765% | 3,309 |
| Cash dividends to net income (ytd only)* | 39.0500% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 5,255 |
| Loan loss allowance to noncurrent loans | 76.8407% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.9724% | 4,662 |
| Noncurrent loans to loans | 1.6033% | 3,760 |
| Net loans and leases to total assets | 57.5483% | 4,450 |
| Net loans and leases to deposits | 66.3004% | 4,693 |
| Net loans and leases to core deposits | 72.1166% | 4,515 |
| Total domestic deposits to total assets | 86.7993% | 2,877 |
| Equity capital to assets | 8.3025% | 6,352 |
| Core capital (leverage) ratio | 8.4375% | 5,658 |
| Tier 1 risk-based capital ratio | 11.6576% | 6,052 |
| Total risk-based capital ratio | 12.6926% | 6,185 |
| Memoranda: | ||
| Average total assets | $868,653,400 | 751 |
| Average earning assets | $804,297,600 | 732 |
| Average equity | $75,762,400 | 887 |
| Average total loans | $530,058,200 | 787 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 4,941 |
| Cost of funding earning assets | 0.3951% | 7,029 |
| Net interest margin | 4.1860% | 2,158 |
| Noninterest income to average assets | 0.9834% | 1,381 |
| Noninterest expense to average assets | 3.3826% | 2,240 |
| Loan and lease loss provision to assets | 0.0792% | 5,455 |
| Net operating income to assets | 1.4004% | 1,146 |
| Return on assets (ROA) | 1.4215% | 1,185 |
| Pretax return on assets | 1.4215% | 1,877 |
| Return on Equity (ROE) | 16.0820% | 670 |
| Retained earnings to average equity (ytd only) | 9.7103% | 924 |
| Net charge-offs to loans | 0.0722% | 5,236 |
| Credit loss provision to net charge-offs | 177.4648% | 1,676 |
| Earnings coverage of net charge-offs (x) | 33.1547% | 872 |
| Efficiency ratio | 69.5689% | 4,026 |
| Assets per employee ($millions) | 4.0956% | 3,652 |
| Cash dividends to net income (ytd only)* | 39.6198% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2408% | 5,300 |
| Loan loss allowance to noncurrent loans | 71.5556% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0594% | 4,654 |
| Noncurrent loans to loans | 1.7340% | 3,719 |
| Net loans and leases to total assets | 58.7327% | 4,366 |
| Net loans and leases to deposits | 67.3043% | 4,723 |
| Net loans and leases to core deposits | 73.5065% | 4,525 |
| Total domestic deposits to total assets | 87.2644% | 2,485 |
| Equity capital to assets | 8.8803% | 5,883 |
| Core capital (leverage) ratio | 8.5653% | 5,606 |
| Tier 1 risk-based capital ratio | 12.0469% | 5,863 |
| Total risk-based capital ratio | 13.1214% | 5,968 |
| Memoranda: | ||
| Average total assets | $848,470,000 | 777 |
| Average earning assets | $786,224,000 | 757 |
| Average equity | $74,997,250 | 903 |
| Average total loans | $524,280,000 | 807 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6182% | 4,892 |
| Cost of funding earning assets | 0.3910% | 7,145 |
| Net interest margin | 4.2272% | 1,934 |
| Noninterest income to average assets | 0.8968% | 1,658 |
| Noninterest expense to average assets | 3.3077% | 2,530 |
| Loan and lease loss provision to assets | 0.1058% | 4,983 |
| Net operating income to assets | 1.4111% | 1,055 |
| Return on assets (ROA) | 1.4434% | 1,053 |
| Pretax return on assets | 1.4434% | 1,687 |
| Return on Equity (ROE) | 16.3570% | 626 |
| Retained earnings to average equity (ytd only) | 7.5706% | 1,629 |
| Net charge-offs to loans | 0.0527% | 5,123 |
| Credit loss provision to net charge-offs | 320.4380% | 947 |
| Earnings coverage of net charge-offs (x) | 45.9270% | 673 |
| Efficiency ratio | 68.5589% | 4,413 |
| Assets per employee ($millions) | 4.0524% | 3,650 |
| Cash dividends to net income (ytd only)* | 53.7164% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 5,215 |
| Loan loss allowance to noncurrent loans | 92.6672% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8764% | 5,122 |
| Noncurrent loans to loans | 1.3674% | 4,369 |
| Net loans and leases to total assets | 61.3215% | 4,023 |
| Net loans and leases to deposits | 71.7203% | 4,159 |
| Net loans and leases to core deposits | 78.8829% | 3,951 |
| Total domestic deposits to total assets | 85.5008% | 3,622 |
| Equity capital to assets | 8.8950% | 5,711 |
| Core capital (leverage) ratio | 9.0476% | 4,649 |
| Tier 1 risk-based capital ratio | 12.4354% | 5,411 |
| Total risk-based capital ratio | 13.5233% | 5,528 |
| Memoranda: | ||
| Average total assets | $829,587,670 | 806 |
| Average earning assets | $770,818,670 | 782 |
| Average equity | $73,204,000 | 929 |
| Average total loans | $519,613,670 | 825 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 5,329 |
| Cost of funding earning assets | 0.3693% | 7,287 |
| Net interest margin | 4.1333% | 2,143 |
| Noninterest income to average assets | 0.8080% | 2,000 |
| Noninterest expense to average assets | 3.3052% | 2,544 |
| Loan and lease loss provision to assets | 0.1031% | 4,723 |
| Net operating income to assets | 1.2405% | 1,417 |
| Return on assets (ROA) | 1.2405% | 1,472 |
| Pretax return on assets | 1.2405% | 2,226 |
| Return on Equity (ROE) | 14.1179% | 967 |
| Retained earnings to average equity (ytd only) | 1.3241% | 5,298 |
| Net charge-offs to loans | 0.0640% | 4,292 |
| Credit loss provision to net charge-offs | 256.0976% | 1,217 |
| Earnings coverage of net charge-offs (x) | 33.3780% | 775 |
| Efficiency ratio | 71.0982% | 4,036 |
| Assets per employee ($millions) | 4.0993% | 3,641 |
| Cash dividends to net income (ytd only)* | 90.6213% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 5,161 |
| Loan loss allowance to noncurrent loans | 89.1581% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 5,165 |
| Noncurrent loans to loans | 1.4517% | 4,291 |
| Net loans and leases to total assets | 58.3533% | 4,581 |
| Net loans and leases to deposits | 67.3242% | 4,779 |
| Net loans and leases to core deposits | 73.4965% | 4,590 |
| Total domestic deposits to total assets | 86.6750% | 3,135 |
| Equity capital to assets | 8.3981% | 6,051 |
| Core capital (leverage) ratio | 9.5461% | 3,734 |
| Tier 1 risk-based capital ratio | 12.8764% | 4,924 |
| Total risk-based capital ratio | 14.0111% | 4,984 |
| Memoranda: | ||
| Average total assets | $814,825,500 | 826 |
| Average earning assets | $757,166,000 | 811 |
| Average equity | $71,597,000 | 942 |
| Average total loans | $512,630,000 | 854 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0558% | 4,298 |
| Cost of funding earning assets | 0.4322% | 7,398 |
| Net interest margin | 4.6236% | 956 |
| Noninterest income to average assets | 1.0129% | 1,462 |
| Noninterest expense to average assets | 3.5514% | 2,052 |
| Loan and lease loss provision to assets | 0.1840% | 5,391 |
| Net operating income to assets | 1.5522% | 683 |
| Return on assets (ROA) | 1.5522% | 746 |
| Pretax return on assets | 1.5522% | 1,243 |
| Return on Equity (ROE) | 17.0265% | 477 |
| Retained earnings to average equity (ytd only) | 10.4800% | 441 |
| Net charge-offs to loans | 0.0242% | 6,572 |
| Credit loss provision to net charge-offs | 1,110.8333% | 203 |
| Earnings coverage of net charge-offs (x) | 104.8250% | 239 |
| Efficiency ratio | 67.1652% | 4,727 |
| Assets per employee ($millions) | 3.6609% | 4,546 |
| Cash dividends to net income (ytd only)* | 38.4492% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2509% | 5,256 |
| Loan loss allowance to noncurrent loans | 86.8846% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 5,047 |
| Noncurrent loans to loans | 1.4398% | 4,326 |
| Net loans and leases to total assets | 66.3216% | 3,401 |
| Net loans and leases to deposits | 80.6469% | 3,054 |
| Net loans and leases to core deposits | 84.4840% | 3,527 |
| Total domestic deposits to total assets | 82.2370% | 5,111 |
| Equity capital to assets | 9.2220% | 4,802 |
| Core capital (leverage) ratio | 9.7039% | 3,426 |
| Tier 1 risk-based capital ratio | 12.8705% | 4,709 |
| Total risk-based capital ratio | 13.9863% | 4,802 |
| Memoranda: | ||
| Average total assets | $724,531,200 | 923 |
| Average earning assets | $669,849,200 | 912 |
| Average equity | $66,049,800 | 1,014 |
| Average total loans | $496,795,400 | 902 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1214% | 4,212 |
| Cost of funding earning assets | 0.4362% | 7,531 |
| Net interest margin | 4.6852% | 873 |
| Noninterest income to average assets | 1.0151% | 1,428 |
| Noninterest expense to average assets | 3.5368% | 1,945 |
| Loan and lease loss provision to assets | 0.1762% | 5,276 |
| Net operating income to assets | 1.6299% | 701 |
| Return on assets (ROA) | 1.6299% | 765 |
| Pretax return on assets | 1.6299% | 1,270 |
| Return on Equity (ROE) | 17.9356% | 484 |
| Retained earnings to average equity (ytd only) | 11.1208% | 589 |
| Net charge-offs to loans | 0.0282% | 6,280 |
| Credit loss provision to net charge-offs | 906.7308% | 322 |
| Earnings coverage of net charge-offs (x) | 92.9348% | 334 |
| Efficiency ratio | 66.1957% | 4,820 |
| Assets per employee ($millions) | 3.6051% | 4,719 |
| Cash dividends to net income (ytd only)* | 37.9959% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 5,375 |
| Loan loss allowance to noncurrent loans | 182.4588% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 6,203 |
| Noncurrent loans to loans | 0.6704% | 5,860 |
| Net loans and leases to total assets | 65.2110% | 3,864 |
| Net loans and leases to deposits | 75.9940% | 4,180 |
| Net loans and leases to core deposits | 79.5936% | 4,574 |
| Total domestic deposits to total assets | 85.8107% | 3,178 |
| Equity capital to assets | 8.9731% | 5,615 |
| Core capital (leverage) ratio | 9.4280% | 4,019 |
| Tier 1 risk-based capital ratio | 12.0483% | 5,419 |
| Total risk-based capital ratio | 13.1065% | 5,564 |
| Memoranda: | ||
| Average total assets | $713,466,750 | 938 |
| Average earning assets | $659,049,750 | 932 |
| Average equity | $64,837,750 | 1,033 |
| Average total loans | $491,911,250 | 918 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1753% | 4,067 |
| Cost of funding earning assets | 0.4370% | 7,625 |
| Net interest margin | 4.7383% | 750 |
| Noninterest income to average assets | 0.9310% | 1,579 |
| Noninterest expense to average assets | 3.6110% | 1,750 |
| Loan and lease loss provision to assets | 0.1785% | 5,084 |
| Net operating income to assets | 1.5089% | 902 |
| Return on assets (ROA) | 1.5089% | 963 |
| Pretax return on assets | 1.5089% | 1,536 |
| Return on Equity (ROE) | 16.5285% | 628 |
| Retained earnings to average equity (ytd only) | 10.1762% | 807 |
| Net charge-offs to loans | 0.0302% | 5,917 |
| Credit loss provision to net charge-offs | 844.5946% | 442 |
| Earnings coverage of net charge-offs (x) | 79.8243% | 398 |
| Efficiency ratio | 68.1529% | 4,555 |
| Assets per employee ($millions) | 3.5712% | 4,749 |
| Cash dividends to net income (ytd only)* | 38.4324% | 2,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1610% | 5,646 |
| Loan loss allowance to noncurrent loans | 153.1572% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.5455% | 6,107 |
| Noncurrent loans to loans | 0.7580% | 5,755 |
| Net loans and leases to total assets | 68.0767% | 3,340 |
| Net loans and leases to deposits | 80.0714% | 3,590 |
| Net loans and leases to core deposits | 82.4198% | 4,353 |
| Total domestic deposits to total assets | 85.0200% | 3,615 |
| Equity capital to assets | 9.0731% | 5,335 |
| Core capital (leverage) ratio | 9.5647% | 3,725 |
| Tier 1 risk-based capital ratio | 11.7865% | 5,507 |
| Total risk-based capital ratio | 12.8044% | 5,688 |
| Memoranda: | ||
| Average total assets | $700,133,330 | 964 |
| Average earning assets | $645,336,330 | 950 |
| Average equity | $63,914,000 | 1,043 |
| Average total loans | $490,072,330 | 928 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 3,869 |
| Cost of funding earning assets | 0.4468% | 7,739 |
| Net interest margin | 4.7851% | 668 |
| Noninterest income to average assets | 0.9068% | 1,597 |
| Noninterest expense to average assets | 3.6480% | 1,622 |
| Loan and lease loss provision to assets | 0.2181% | 4,317 |
| Net operating income to assets | 1.4320% | 1,014 |
| Return on assets (ROA) | 1.4320% | 1,085 |
| Pretax return on assets | 1.4320% | 1,686 |
| Return on Equity (ROE) | 15.6360% | 777 |
| Retained earnings to average equity (ytd only) | 10.6251% | 1,005 |
| Net charge-offs to loans | 0.0124% | 5,411 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 189.1333% | 180 |
| Efficiency ratio | 68.8550% | 4,539 |
| Assets per employee ($millions) | 3.4485% | 5,155 |
| Cash dividends to net income (ytd only)* | 32.0471% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1636% | 5,693 |
| Loan loss allowance to noncurrent loans | 148.8977% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5677% | 6,085 |
| Noncurrent loans to loans | 0.7815% | 5,761 |
| Net loans and leases to total assets | 68.6994% | 3,234 |
| Net loans and leases to deposits | 79.7828% | 3,697 |
| Net loans and leases to core deposits | 82.1946% | 4,460 |
| Total domestic deposits to total assets | 86.1080% | 3,090 |
| Equity capital to assets | 9.2130% | 4,973 |
| Core capital (leverage) ratio | 9.7146% | 3,495 |
| Tier 1 risk-based capital ratio | 11.9052% | 5,297 |
| Total risk-based capital ratio | 12.9234% | 5,468 |
| Memoranda: | ||
| Average total assets | $687,720,000 | 998 |
| Average earning assets | $631,132,000 | 990 |
| Average equity | $62,983,000 | 1,063 |
| Average total loans | $485,445,500 | 968 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5117% | 4,084 |
| Cost of funding earning assets | 0.7398% | 7,635 |
| Net interest margin | 4.7719% | 734 |
| Noninterest income to average assets | 1.0321% | 1,461 |
| Noninterest expense to average assets | 4.0880% | 1,251 |
| Loan and lease loss provision to assets | 0.5375% | 3,680 |
| Net operating income to assets | 0.8037% | 2,527 |
| Return on assets (ROA) | 0.8046% | 2,605 |
| Pretax return on assets | 0.8046% | 3,231 |
| Return on Equity (ROE) | 9.1376% | 1,982 |
| Retained earnings to average equity (ytd only) | 5.3701% | 1,639 |
| Net charge-offs to loans | 0.3285% | 4,590 |
| Credit loss provision to net charge-offs | 219.3390% | 1,723 |
| Earnings coverage of net charge-offs (x) | 5.4731% | 2,589 |
| Efficiency ratio | 75.2976% | 3,653 |
| Assets per employee ($millions) | 3.2961% | 5,496 |
| Cash dividends to net income (ytd only)* | 41.2302% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 6,025 |
| Loan loss allowance to noncurrent loans | 142.7872% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 6,049 |
| Noncurrent loans to loans | 0.7512% | 5,759 |
| Net loans and leases to total assets | 70.9155% | 3,030 |
| Net loans and leases to deposits | 82.4940% | 3,548 |
| Net loans and leases to core deposits | 91.8665% | 4,904 |
| Total domestic deposits to total assets | 85.9644% | 3,041 |
| Equity capital to assets | 9.1026% | 4,987 |
| Core capital (leverage) ratio | 9.4543% | 3,777 |
| Tier 1 risk-based capital ratio | 11.2793% | 5,633 |
| Total risk-based capital ratio | 12.2056% | 5,929 |
| Memoranda: | ||
| Average total assets | $666,827,800 | 1,040 |
| Average earning assets | $614,454,200 | 1,017 |
| Average equity | $58,713,600 | 1,128 |
| Average total loans | $497,428,600 | 964 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 4,195 |
| Cost of funding earning assets | 0.7907% | 7,707 |
| Net interest margin | 4.7526% | 753 |
| Noninterest income to average assets | 1.0566% | 1,424 |
| Noninterest expense to average assets | 3.9686% | 1,319 |
| Loan and lease loss provision to assets | 0.4392% | 3,710 |
| Net operating income to assets | 1.0331% | 1,957 |
| Return on assets (ROA) | 1.0331% | 2,019 |
| Pretax return on assets | 1.0331% | 2,799 |
| Return on Equity (ROE) | 11.8364% | 1,400 |
| Retained earnings to average equity (ytd only) | 8.4816% | 984 |
| Net charge-offs to loans | 0.4273% | 3,547 |
| Credit loss provision to net charge-offs | 136.4147% | 3,634 |
| Earnings coverage of net charge-offs (x) | 4.5728% | 3,091 |
| Efficiency ratio | 72.9393% | 4,065 |
| Assets per employee ($millions) | 3.2417% | 5,538 |
| Cash dividends to net income (ytd only)* | 28.3433% | 2,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 7,177 |
| Loan loss allowance to noncurrent loans | 99.4615% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 5,492 |
| Noncurrent loans to loans | 0.7857% | 5,729 |
| Net loans and leases to total assets | 73.7470% | 2,604 |
| Net loans and leases to deposits | 87.2907% | 3,090 |
| Net loans and leases to core deposits | 98.2564% | 4,574 |
| Total domestic deposits to total assets | 84.4844% | 3,485 |
| Equity capital to assets | 9.0265% | 5,447 |
| Core capital (leverage) ratio | 9.5683% | 3,826 |
| Tier 1 risk-based capital ratio | 11.3635% | 5,578 |
| Total risk-based capital ratio | 12.0479% | 6,125 |
| Memoranda: | ||
| Average total assets | $662,959,500 | 1,056 |
| Average earning assets | $611,577,750 | 1,037 |
| Average equity | $57,865,250 | 1,158 |
| Average total loans | $499,510,000 | 978 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5473% | 4,348 |
| Cost of funding earning assets | 0.8481% | 7,762 |
| Net interest margin | 4.6992% | 799 |
| Noninterest income to average assets | 1.0358% | 1,480 |
| Noninterest expense to average assets | 4.1064% | 1,182 |
| Loan and lease loss provision to assets | 0.2976% | 4,182 |
| Net operating income to assets | 0.9713% | 2,202 |
| Return on assets (ROA) | 0.9713% | 2,297 |
| Pretax return on assets | 0.9713% | 3,108 |
| Return on Equity (ROE) | 11.2581% | 1,630 |
| Retained earnings to average equity (ytd only) | 6.5053% | 1,795 |
| Net charge-offs to loans | 0.3308% | 3,532 |
| Credit loss provision to net charge-offs | 118.8406% | 3,913 |
| Earnings coverage of net charge-offs (x) | 5.0676% | 2,925 |
| Efficiency ratio | 76.3938% | 3,620 |
| Assets per employee ($millions) | 3.1563% | 5,702 |
| Cash dividends to net income (ytd only)* | 42.2167% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 7,442 |
| Loan loss allowance to noncurrent loans | 60.2654% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 0.9150% | 5,147 |
| Noncurrent loans to loans | 1.1486% | 4,919 |
| Net loans and leases to total assets | 74.3652% | 2,602 |
| Net loans and leases to deposits | 88.0918% | 3,154 |
| Net loans and leases to core deposits | 99.6790% | 4,542 |
| Total domestic deposits to total assets | 84.4178% | 3,544 |
| Equity capital to assets | 8.6964% | 5,754 |
| Core capital (leverage) ratio | 9.3116% | 4,152 |
| Tier 1 risk-based capital ratio | 11.0386% | 5,839 |
| Total risk-based capital ratio | 11.6475% | 6,422 |
| Memoranda: | ||
| Average total assets | $661,352,670 | 1,076 |
| Average earning assets | $610,742,670 | 1,051 |
| Average equity | $57,061,330 | 1,177 |
| Average total loans | $500,564,330 | 994 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5961% | 4,379 |
| Cost of funding earning assets | 0.9285% | 7,776 |
| Net interest margin | 4.6676% | 826 |
| Noninterest income to average assets | 1.0233% | 1,420 |
| Noninterest expense to average assets | 3.8171% | 1,440 |
| Loan and lease loss provision to assets | 0.1572% | 4,922 |
| Net operating income to assets | 1.3541% | 1,250 |
| Return on assets (ROA) | 1.3541% | 1,337 |
| Pretax return on assets | 1.3541% | 2,107 |
| Return on Equity (ROE) | 15.7573% | 859 |
| Retained earnings to average equity (ytd only) | 11.0534% | 958 |
| Net charge-offs to loans | 0.0247% | 5,199 |
| Credit loss provision to net charge-offs | 835.4839% | 723 |
| Earnings coverage of net charge-offs (x) | 80.3226% | 522 |
| Efficiency ratio | 71.6369% | 4,244 |
| Assets per employee ($millions) | 3.1363% | 5,789 |
| Cash dividends to net income (ytd only)* | 29.8521% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 7,413 |
| Loan loss allowance to noncurrent loans | 104.2912% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 5,909 |
| Noncurrent loans to loans | 0.6814% | 5,704 |
| Net loans and leases to total assets | 73.3543% | 2,924 |
| Net loans and leases to deposits | 87.3234% | 3,415 |
| Net loans and leases to core deposits | 98.8615% | 4,659 |
| Total domestic deposits to total assets | 84.0030% | 3,701 |
| Equity capital to assets | 8.5738% | 5,950 |
| Core capital (leverage) ratio | 9.4571% | 4,041 |
| Tier 1 risk-based capital ratio | 10.9433% | 5,953 |
| Total risk-based capital ratio | 11.5624% | 6,509 |
| Memoranda: | ||
| Average total assets | $659,040,500 | 1,078 |
| Average earning assets | $607,849,000 | 1,056 |
| Average equity | $56,634,000 | 1,191 |
| Average total loans | $501,493,000 | 1,000 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4102% | 3,361 |
| Cost of funding earning assets | 1.5393% | 7,550 |
| Net interest margin | 4.8708% | 673 |
| Noninterest income to average assets | 0.8191% | 2,408 |
| Noninterest expense to average assets | 3.7900% | 1,772 |
| Loan and lease loss provision to assets | 0.0876% | 6,284 |
| Net operating income to assets | 1.3864% | 1,260 |
| Return on assets (ROA) | 1.4102% | 1,162 |
| Pretax return on assets | 1.4102% | 1,940 |
| Return on Equity (ROE) | 16.3657% | 717 |
| Retained earnings to average equity (ytd only) | 5.0827% | 1,974 |
| Net charge-offs to loans | 0.3145% | 3,284 |
| Credit loss provision to net charge-offs | 37.5817% | 6,469 |
| Earnings coverage of net charge-offs (x) | 6.3222% | 3,383 |
| Efficiency ratio | 71.9972% | 3,936 |
| Assets per employee ($millions) | 2.9140% | 6,260 |
| Cash dividends to net income (ytd only)* | 68.9432% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 7,546 |
| Loan loss allowance to noncurrent loans | 93.3976% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 5,526 |
| Noncurrent loans to loans | 0.6959% | 5,293 |
| Net loans and leases to total assets | 77.8830% | 2,170 |
| Net loans and leases to deposits | 94.2378% | 2,722 |
| Net loans and leases to core deposits | 106.6756% | 4,116 |
| Total domestic deposits to total assets | 82.6452% | 3,925 |
| Equity capital to assets | 8.6137% | 5,916 |
| Core capital (leverage) ratio | 9.2556% | 4,362 |
| Tier 1 risk-based capital ratio | 10.5635% | 6,141 |
| Total risk-based capital ratio | 11.1369% | 6,743 |
| Memoranda: | ||
| Average total assets | $656,208,400 | 1,022 |
| Average earning assets | $598,829,200 | 1,019 |
| Average equity | $56,545,200 | 1,188 |
| Average total loans | $486,543,400 | 983 |