Home > Lakeside Bank > Performance and Condition Ratios
Lakeside 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 | 5.7442% | 886 |
| Cost of funding earning assets | 2.4049% | 455 |
| Net interest margin | 3.3393% | 2,537 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 1.8825% | 3,867 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.6851% | 755 |
| Return on assets (ROA) | 1.6845% | 728 |
| Pretax return on assets | 1.7022% | 1,061 |
| Return on Equity (ROE) | 17.0100% | 949 |
| Retained earnings to average equity (ytd only) | 2.4927% | 3,446 |
| Net charge-offs to loans | -0.0013% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 52.2997% | 3,805 |
| Assets per employee ($millions) | 14.2829% | 240 |
| Cash dividends to net income (ytd only)* | 85.3418% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 1,761 |
| Loan loss allowance to noncurrent loans | 1,887.6967% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,241 |
| Noncurrent loans to loans | 0.0689% | 3,220 |
| Net loans and leases to total assets | 75.7400% | 1,152 |
| Net loans and leases to deposits | 91.8390% | 1,110 |
| Net loans and leases to core deposits | 113.8826% | 818 |
| Total domestic deposits to total assets | 82.4700% | 3,034 |
| Equity capital to assets | 9.6023% | 2,272 |
| Core capital (leverage) ratio | 10.7006% | 2,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8466% | 1,918 |
| Memoranda: | ||
| Average total assets | $2,481,406,200 | 471 |
| Average earning assets | $2,351,117,800 | 452 |
| Average equity | $245,799,200 | 456 |
| Average total loans | $1,927,792,000 | 417 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7634% | 718 |
| Cost of funding earning assets | 2.2521% | 454 |
| Net interest margin | 3.5113% | 2,183 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.0504% | 3,468 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.7657% | 709 |
| Return on assets (ROA) | 1.7643% | 698 |
| Pretax return on assets | 1.7812% | 1,035 |
| Return on Equity (ROE) | 17.6600% | 989 |
| Retained earnings to average equity (ytd only) | 1.8243% | 3,765 |
| Net charge-offs to loans | -0.0034% | 3,663 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.2278% | 3,656 |
| Assets per employee ($millions) | 13.8344% | 252 |
| Cash dividends to net income (ytd only)* | 89.6728% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 1,718 |
| Loan loss allowance to noncurrent loans | 997.9715% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 2,880 |
| Noncurrent loans to loans | 0.1337% | 2,886 |
| Net loans and leases to total assets | 76.7600% | 1,021 |
| Net loans and leases to deposits | 92.8212% | 982 |
| Net loans and leases to core deposits | 116.1184% | 657 |
| Total domestic deposits to total assets | 82.7000% | 3,069 |
| Equity capital to assets | 9.3931% | 2,166 |
| Core capital (leverage) ratio | 10.7111% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8286% | 1,957 |
| Memoranda: | ||
| Average total assets | $2,441,174,000 | 486 |
| Average earning assets | $2,312,003,000 | 462 |
| Average equity | $243,817,500 | 456 |
| Average total loans | $1,902,844,000 | 424 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5559% | 773 |
| Cost of funding earning assets | 2.0381% | 456 |
| Net interest margin | 3.5179% | 2,224 |
| Noninterest income to average assets | 0.6900% | 1,151 |
| Noninterest expense to average assets | 2.0399% | 3,492 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.8913% | 570 |
| Return on assets (ROA) | 1.8898% | 564 |
| Pretax return on assets | 1.9039% | 857 |
| Return on Equity (ROE) | 18.5300% | 889 |
| Retained earnings to average equity (ytd only) | 6.9204% | 2,309 |
| Net charge-offs to loans | -0.0042% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.7394% | 3,867 |
| Assets per employee ($millions) | 12.9013% | 307 |
| Cash dividends to net income (ytd only)* | 62.6509% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3936% | 1,555 |
| Loan loss allowance to noncurrent loans | 1,846.8942% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,177 |
| Noncurrent loans to loans | 0.0755% | 3,146 |
| Net loans and leases to total assets | 76.8900% | 957 |
| Net loans and leases to deposits | 94.1235% | 851 |
| Net loans and leases to core deposits | 119.4991% | 528 |
| Total domestic deposits to total assets | 81.6900% | 3,291 |
| Equity capital to assets | 10.0169% | 1,853 |
| Core capital (leverage) ratio | 11.3421% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4567% | 1,738 |
| Memoranda: | ||
| Average total assets | $2,401,778,000 | 478 |
| Average earning assets | $2,273,544,333 | 458 |
| Average equity | $244,955,667 | 447 |
| Average total loans | $1,873,383,667 | 413 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4089% | 704 |
| Cost of funding earning assets | 1.7341% | 517 |
| Net interest margin | 3.6749% | 1,954 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.0024% | 3,622 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.5025% | 1,184 |
| Return on assets (ROA) | 1.5020% | 1,159 |
| Pretax return on assets | 1.5225% | 1,620 |
| Return on Equity (ROE) | 14.5700% | 1,651 |
| Retained earnings to average equity (ytd only) | 2.7091% | 3,567 |
| Net charge-offs to loans | 0.0091% | 1,601 |
| Credit loss provision to net charge-offs | 2,142.8571% | 188 |
| Earnings coverage of net charge-offs (x) | 234.9286% | 452 |
| Efficiency ratio | 54.4376% | 3,562 |
| Assets per employee ($millions) | 13.1507% | 300 |
| Cash dividends to net income (ytd only)* | 81.4090% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4429% | 1,453 |
| Loan loss allowance to noncurrent loans | 1,040.3394% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 2,785 |
| Noncurrent loans to loans | 0.1387% | 2,802 |
| Net loans and leases to total assets | 75.3300% | 1,045 |
| Net loans and leases to deposits | 94.9514% | 724 |
| Net loans and leases to core deposits | 112.6332% | 626 |
| Total domestic deposits to total assets | 79.3400% | 3,859 |
| Equity capital to assets | 10.0435% | 1,801 |
| Core capital (leverage) ratio | 11.3224% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6341% | 1,754 |
| Memoranda: | ||
| Average total assets | $2,355,028,000 | 500 |
| Average earning assets | $2,228,988,500 | 479 |
| Average equity | $242,739,500 | 459 |
| Average total loans | $1,839,284,500 | 426 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4097% | 866 |
| Cost of funding earning assets | 0.4656% | 1,610 |
| Net interest margin | 3.9440% | 874 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 2.0428% | 3,459 |
| Loan and lease loss provision to assets | -0.1400% | 4,590 |
| Net operating income to assets | 2.2015% | 213 |
| Return on assets (ROA) | 2.1566% | 222 |
| Pretax return on assets | 2.1844% | 334 |
| Return on Equity (ROE) | 22.1500% | 331 |
| Retained earnings to average equity (ytd only) | 13.1727% | 486 |
| Net charge-offs to loans | -0.0197% | 4,064 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 49.4612% | 4,157 |
| Assets per employee ($millions) | 12.3045% | 359 |
| Cash dividends to net income (ytd only)* | 40.5365% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 1,525 |
| Loan loss allowance to noncurrent loans | 1,300.6704% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 2,950 |
| Noncurrent loans to loans | 0.1072% | 2,997 |
| Net loans and leases to total assets | 78.7900% | 719 |
| Net loans and leases to deposits | 98.3159% | 507 |
| Net loans and leases to core deposits | 107.7761% | 682 |
| Total domestic deposits to total assets | 80.1400% | 3,860 |
| Equity capital to assets | 10.5937% | 1,410 |
| Core capital (leverage) ratio | 11.7621% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8885% | 1,663 |
| Memoranda: | ||
| Average total assets | $2,332,048,600 | 486 |
| Average earning assets | $2,211,035,400 | 465 |
| Average equity | $227,029,600 | 478 |
| Average total loans | $1,724,916,600 | 426 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1327% | 1,003 |
| Cost of funding earning assets | 0.3443% | 1,752 |
| Net interest margin | 3.7884% | 964 |
| Noninterest income to average assets | 0.2400% | 3,728 |
| Noninterest expense to average assets | 1.9632% | 3,579 |
| Loan and lease loss provision to assets | -0.1600% | 4,645 |
| Net operating income to assets | 2.0052% | 282 |
| Return on assets (ROA) | 1.9473% | 309 |
| Pretax return on assets | 1.9734% | 490 |
| Return on Equity (ROE) | 20.4400% | 397 |
| Retained earnings to average equity (ytd only) | 9.8205% | 1,398 |
| Net charge-offs to loans | -0.0186% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.1929% | 4,068 |
| Assets per employee ($millions) | 12.3036% | 350 |
| Cash dividends to net income (ytd only)* | 51.9485% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 1,473 |
| Loan loss allowance to noncurrent loans | 1,025.1301% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 2,854 |
| Noncurrent loans to loans | 0.1408% | 2,922 |
| Net loans and leases to total assets | 76.4500% | 861 |
| Net loans and leases to deposits | 89.1608% | 952 |
| Net loans and leases to core deposits | 97.3816% | 930 |
| Total domestic deposits to total assets | 85.7400% | 3,125 |
| Equity capital to assets | 9.4628% | 1,906 |
| Core capital (leverage) ratio | 11.0444% | 1,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5293% | 1,865 |
| Memoranda: | ||
| Average total assets | $2,349,055,250 | 477 |
| Average earning assets | $2,229,039,750 | 456 |
| Average equity | $223,826,000 | 480 |
| Average total loans | $1,703,896,750 | 426 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8307% | 1,246 |
| Cost of funding earning assets | 0.2910% | 1,798 |
| Net interest margin | 3.5397% | 1,208 |
| Noninterest income to average assets | 0.2435% | 3,712 |
| Noninterest expense to average assets | 1.9391% | 3,605 |
| Loan and lease loss provision to assets | -0.1536% | 4,653 |
| Net operating income to assets | 1.7990% | 336 |
| Return on assets (ROA) | 1.7395% | 384 |
| Pretax return on assets | 1.7614% | 654 |
| Return on Equity (ROE) | 18.2011% | 450 |
| Retained earnings to average equity (ytd only) | 7.9448% | 1,638 |
| Net charge-offs to loans | -0.0318% | 4,059 |
| Credit loss provision to net charge-offs | 681.6479% | 525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7610% | 3,986 |
| Assets per employee ($millions) | 12.7710% | 309 |
| Cash dividends to net income (ytd only)* | 56.3498% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 1,255 |
| Loan loss allowance to noncurrent loans | 822.9463% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1853% | 2,432 |
| Noncurrent loans to loans | 0.1893% | 2,760 |
| Net loans and leases to total assets | 71.6471% | 1,149 |
| Net loans and leases to deposits | 82.8080% | 1,194 |
| Net loans and leases to core deposits | 90.6094% | 1,088 |
| Total domestic deposits to total assets | 86.5220% | 3,103 |
| Equity capital to assets | 9.3930% | 2,103 |
| Core capital (leverage) ratio | 10.3565% | 2,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7639% | 1,779 |
| Memoranda: | ||
| Average total assets | $2,369,249,333 | 467 |
| Average earning assets | $2,251,236,000 | 455 |
| Average equity | $226,437,333 | 479 |
| Average total loans | $1,680,176,333 | 420 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 1,076 |
| Cost of funding earning assets | 0.2784% | 1,836 |
| Net interest margin | 3.5270% | 1,036 |
| Noninterest income to average assets | 0.2591% | 3,584 |
| Noninterest expense to average assets | 1.9232% | 3,624 |
| Loan and lease loss provision to assets | -0.1379% | 4,633 |
| Net operating income to assets | 1.8020% | 332 |
| Return on assets (ROA) | 1.7354% | 383 |
| Pretax return on assets | 1.7589% | 609 |
| Return on Equity (ROE) | 18.0048% | 341 |
| Retained earnings to average equity (ytd only) | 10.7338% | 839 |
| Net charge-offs to loans | -0.0680% | 4,360 |
| Credit loss provision to net charge-offs | 289.7527% | 677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2520% | 4,104 |
| Assets per employee ($millions) | 13.1375% | 303 |
| Cash dividends to net income (ytd only)* | 40.3837% | 1,493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6555% | 1,144 |
| Loan loss allowance to noncurrent loans | 786.7747% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 2,477 |
| Noncurrent loans to loans | 0.2104% | 2,768 |
| Net loans and leases to total assets | 67.9804% | 1,214 |
| Net loans and leases to deposits | 78.3919% | 1,253 |
| Net loans and leases to core deposits | 86.2686% | 1,113 |
| Total domestic deposits to total assets | 86.7187% | 3,029 |
| Equity capital to assets | 9.2870% | 2,455 |
| Core capital (leverage) ratio | 10.0663% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8242% | 1,863 |
| Memoranda: | ||
| Average total assets | $2,378,943,500 | 469 |
| Average earning assets | $2,261,193,500 | 457 |
| Average equity | $229,294,500 | 488 |
| Average total loans | $1,665,137,500 | 424 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 1,670 |
| Cost of funding earning assets | 0.4136% | 1,446 |
| Net interest margin | 3.4646% | 1,841 |
| Noninterest income to average assets | 0.3630% | 3,258 |
| Noninterest expense to average assets | 1.8749% | 3,984 |
| Loan and lease loss provision to assets | -0.1416% | 4,613 |
| Net operating income to assets | 1.8960% | 412 |
| Return on assets (ROA) | 1.8903% | 444 |
| Pretax return on assets | 1.9122% | 708 |
| Return on Equity (ROE) | 19.3854% | 347 |
| Retained earnings to average equity (ytd only) | 10.4179% | 816 |
| Net charge-offs to loans | -0.0147% | 3,866 |
| Credit loss provision to net charge-offs | 1,311.4754% | 435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3489% | 4,176 |
| Assets per employee ($millions) | 13.1494% | 299 |
| Cash dividends to net income (ytd only)* | 46.2590% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6995% | 1,046 |
| Loan loss allowance to noncurrent loans | 240.8609% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 1,201 |
| Noncurrent loans to loans | 0.7056% | 1,433 |
| Net loans and leases to total assets | 69.6885% | 1,078 |
| Net loans and leases to deposits | 81.4104% | 1,109 |
| Net loans and leases to core deposits | 90.8795% | 928 |
| Total domestic deposits to total assets | 85.6015% | 3,052 |
| Equity capital to assets | 10.0015% | 2,653 |
| Core capital (leverage) ratio | 10.2115% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8361% | 1,913 |
| Memoranda: | ||
| Average total assets | $2,259,794,800 | 473 |
| Average earning assets | $2,144,737,400 | 461 |
| Average equity | $220,351,400 | 496 |
| Average total loans | $1,660,405,400 | 420 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 1,833 |
| Cost of funding earning assets | 0.4459% | 1,382 |
| Net interest margin | 3.4301% | 2,073 |
| Noninterest income to average assets | 0.3924% | 3,136 |
| Noninterest expense to average assets | 1.8164% | 4,135 |
| Loan and lease loss provision to assets | -0.1072% | 4,619 |
| Net operating income to assets | 1.9154% | 540 |
| Return on assets (ROA) | 1.9115% | 569 |
| Pretax return on assets | 1.9336% | 892 |
| Return on Equity (ROE) | 19.7356% | 443 |
| Retained earnings to average equity (ytd only) | 8.3274% | 1,939 |
| Net charge-offs to loans | -0.0141% | 3,817 |
| Credit loss provision to net charge-offs | 1,028.5714% | 510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8074% | 4,238 |
| Assets per employee ($millions) | 12.2931% | 348 |
| Cash dividends to net income (ytd only)* | 57.8049% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 932 |
| Loan loss allowance to noncurrent loans | 180.5625% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 939 |
| Noncurrent loans to loans | 0.9962% | 1,154 |
| Net loans and leases to total assets | 70.1301% | 1,066 |
| Net loans and leases to deposits | 82.5427% | 1,062 |
| Net loans and leases to core deposits | 93.7310% | 837 |
| Total domestic deposits to total assets | 84.9622% | 3,128 |
| Equity capital to assets | 9.7026% | 3,184 |
| Core capital (leverage) ratio | 10.2761% | 2,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8367% | 2,033 |
| Memoranda: | ||
| Average total assets | $2,239,596,250 | 482 |
| Average earning assets | $2,124,885,000 | 468 |
| Average equity | $216,915,750 | 507 |
| Average total loans | $1,660,676,250 | 429 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8966% | 1,824 |
| Cost of funding earning assets | 0.4833% | 1,301 |
| Net interest margin | 3.4133% | 2,097 |
| Noninterest income to average assets | 0.2881% | 3,698 |
| Noninterest expense to average assets | 1.7966% | 4,189 |
| Loan and lease loss provision to assets | 0.0180% | 2,601 |
| Net operating income to assets | 1.6894% | 891 |
| Return on assets (ROA) | 1.6862% | 940 |
| Pretax return on assets | 1.7075% | 1,462 |
| Return on Equity (ROE) | 17.4205% | 730 |
| Retained earnings to average equity (ytd only) | 6.3284% | 2,681 |
| Net charge-offs to loans | 0.0040% | 2,015 |
| Credit loss provision to net charge-offs | 606.0606% | 621 |
| Earnings coverage of net charge-offs (x) | 581.4242% | 230 |
| Efficiency ratio | 50.9635% | 4,148 |
| Assets per employee ($millions) | 11.3413% | 419 |
| Cash dividends to net income (ytd only)* | 63.6728% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8796% | 767 |
| Loan loss allowance to noncurrent loans | 210.6173% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7442% | 1,102 |
| Noncurrent loans to loans | 0.8924% | 1,383 |
| Net loans and leases to total assets | 75.0941% | 669 |
| Net loans and leases to deposits | 88.6638% | 742 |
| Net loans and leases to core deposits | 102.5290% | 580 |
| Total domestic deposits to total assets | 84.6953% | 3,222 |
| Equity capital to assets | 9.9908% | 2,860 |
| Core capital (leverage) ratio | 10.0090% | 2,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5429% | 2,149 |
| Memoranda: | ||
| Average total assets | $2,219,859,000 | 481 |
| Average earning assets | $2,105,324,667 | 469 |
| Average equity | $214,873,333 | 505 |
| Average total loans | $1,667,006,000 | 428 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8246% | 2,029 |
| Cost of funding earning assets | 0.5375% | 1,175 |
| Net interest margin | 3.2870% | 2,428 |
| Noninterest income to average assets | 0.2749% | 3,750 |
| Noninterest expense to average assets | 1.7065% | 4,363 |
| Loan and lease loss provision to assets | 0.0357% | 2,302 |
| Net operating income to assets | 1.6412% | 1,037 |
| Return on assets (ROA) | 1.6359% | 1,099 |
| Pretax return on assets | 1.6521% | 1,600 |
| Return on Equity (ROE) | 17.1680% | 824 |
| Retained earnings to average equity (ytd only) | 8.5512% | 2,078 |
| Net charge-offs to loans | -0.0053% | 3,416 |
| Credit loss provision to net charge-offs | -909.0909% | 3,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1969% | 4,170 |
| Assets per employee ($millions) | 13.3839% | 261 |
| Cash dividends to net income (ytd only)* | 50.1909% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 797 |
| Loan loss allowance to noncurrent loans | 204.5502% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 1,277 |
| Noncurrent loans to loans | 0.9033% | 1,497 |
| Net loans and leases to total assets | 72.4091% | 964 |
| Net loans and leases to deposits | 85.2999% | 1,016 |
| Net loans and leases to core deposits | 99.3123% | 743 |
| Total domestic deposits to total assets | 84.8877% | 3,150 |
| Equity capital to assets | 9.3668% | 3,312 |
| Core capital (leverage) ratio | 9.8088% | 2,719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4568% | 2,104 |
| Memoranda: | ||
| Average total assets | $2,241,029,500 | 472 |
| Average earning assets | $2,130,446,500 | 459 |
| Average equity | $213,537,000 | 498 |
| Average total loans | $1,667,252,000 | 424 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 1,519 |
| Cost of funding earning assets | 0.8917% | 877 |
| Net interest margin | 3.5290% | 2,377 |
| Noninterest income to average assets | 0.2412% | 4,050 |
| Noninterest expense to average assets | 1.7902% | 4,486 |
| Loan and lease loss provision to assets | 0.3676% | 901 |
| Net operating income to assets | 1.4002% | 1,020 |
| Return on assets (ROA) | 1.4014% | 1,104 |
| Pretax return on assets | 1.4207% | 1,594 |
| Return on Equity (ROE) | 13.6903% | 886 |
| Retained earnings to average equity (ytd only) | 2.8905% | 3,422 |
| Net charge-offs to loans | 0.0305% | 2,421 |
| Credit loss provision to net charge-offs | 1,503.0060% | 550 |
| Earnings coverage of net charge-offs (x) | 73.0641% | 946 |
| Efficiency ratio | 50.0445% | 4,526 |
| Assets per employee ($millions) | 12.6745% | 283 |
| Cash dividends to net income (ytd only)* | 78.8864% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9041% | 718 |
| Loan loss allowance to noncurrent loans | 189.1966% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.8334% | 1,209 |
| Noncurrent loans to loans | 1.0064% | 1,410 |
| Net loans and leases to total assets | 73.6271% | 1,073 |
| Net loans and leases to deposits | 87.3182% | 1,149 |
| Net loans and leases to core deposits | 105.4256% | 672 |
| Total domestic deposits to total assets | 84.3204% | 3,008 |
| Equity capital to assets | 9.6993% | 3,410 |
| Core capital (leverage) ratio | 10.1816% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5591% | 2,027 |
| Memoranda: | ||
| Average total assets | $2,040,251,200 | 468 |
| Average earning assets | $1,928,599,600 | 457 |
| Average equity | $208,855,200 | 488 |
| Average total loans | $1,635,644,600 | 414 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 1,498 |
| Cost of funding earning assets | 0.9682% | 853 |
| Net interest margin | 3.5671% | 2,369 |
| Noninterest income to average assets | 0.2413% | 4,037 |
| Noninterest expense to average assets | 1.8007% | 4,500 |
| Loan and lease loss provision to assets | 0.3723% | 990 |
| Net operating income to assets | 1.4194% | 1,059 |
| Return on assets (ROA) | 1.4206% | 1,144 |
| Pretax return on assets | 1.4355% | 1,618 |
| Return on Equity (ROE) | 13.6822% | 940 |
| Retained earnings to average equity (ytd only) | -0.7620% | 4,588 |
| Net charge-offs to loans | 0.0297% | 2,239 |
| Credit loss provision to net charge-offs | 1,538.4615% | 605 |
| Earnings coverage of net charge-offs (x) | 74.6484% | 959 |
| Efficiency ratio | 49.9180% | 4,498 |
| Assets per employee ($millions) | 11.9785% | 320 |
| Cash dividends to net income (ytd only)* | 105.5696% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 819 |
| Loan loss allowance to noncurrent loans | 427.4287% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3979% | 2,586 |
| Noncurrent loans to loans | 0.4078% | 2,832 |
| Net loans and leases to total assets | 79.4886% | 656 |
| Net loans and leases to deposits | 95.0059% | 841 |
| Net loans and leases to core deposits | 118.4174% | 450 |
| Total domestic deposits to total assets | 83.6670% | 2,939 |
| Equity capital to assets | 9.9597% | 3,259 |
| Core capital (leverage) ratio | 10.2164% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9718% | 2,215 |
| Memoranda: | ||
| Average total assets | $2,005,309,000 | 466 |
| Average earning assets | $1,892,257,750 | 457 |
| Average equity | $208,207,250 | 482 |
| Average total loans | $1,635,495,750 | 408 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6460% | 1,546 |
| Cost of funding earning assets | 1.0432% | 858 |
| Net interest margin | 3.6027% | 2,474 |
| Noninterest income to average assets | 0.2253% | 4,135 |
| Noninterest expense to average assets | 1.7950% | 4,563 |
| Loan and lease loss provision to assets | 0.3234% | 1,321 |
| Net operating income to assets | 1.4757% | 967 |
| Return on assets (ROA) | 1.4759% | 1,052 |
| Pretax return on assets | 1.4987% | 1,461 |
| Return on Equity (ROE) | 14.0144% | 889 |
| Retained earnings to average equity (ytd only) | -2.9489% | 4,649 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6270% | 4,520 |
| Assets per employee ($millions) | 12.8878% | 254 |
| Cash dividends to net income (ytd only)* | 121.0422% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6160% | 970 |
| Loan loss allowance to noncurrent loans | 276.2929% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 2,192 |
| Noncurrent loans to loans | 0.5849% | 2,402 |
| Net loans and leases to total assets | 77.8389% | 863 |
| Net loans and leases to deposits | 95.0879% | 865 |
| Net loans and leases to core deposits | 122.0632% | 377 |
| Total domestic deposits to total assets | 81.8600% | 3,406 |
| Equity capital to assets | 9.6849% | 3,499 |
| Core capital (leverage) ratio | 10.3621% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9819% | 2,188 |
| Memoranda: | ||
| Average total assets | $1,978,994,667 | 468 |
| Average earning assets | $1,863,030,000 | 456 |
| Average equity | $208,414,667 | 479 |
| Average total loans | $1,618,616,667 | 409 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 1,190 |
| Cost of funding earning assets | 1.1245% | 972 |
| Net interest margin | 3.7758% | 2,064 |
| Noninterest income to average assets | 0.2250% | 4,205 |
| Noninterest expense to average assets | 1.8791% | 4,568 |
| Loan and lease loss provision to assets | 0.1685% | 1,740 |
| Net operating income to assets | 1.7272% | 482 |
| Return on assets (ROA) | 1.7263% | 534 |
| Pretax return on assets | 1.7506% | 770 |
| Return on Equity (ROE) | 15.6824% | 465 |
| Retained earnings to average equity (ytd only) | -3.9995% | 4,437 |
| Net charge-offs to loans | 0.1930% | 706 |
| Credit loss provision to net charge-offs | 104.8493% | 1,787 |
| Earnings coverage of net charge-offs (x) | 11.9450% | 1,714 |
| Efficiency ratio | 49.4621% | 4,697 |
| Assets per employee ($millions) | 11.2239% | 286 |
| Cash dividends to net income (ytd only)* | 125.5034% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 1,282 |
| Loan loss allowance to noncurrent loans | 362.3034% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 2,724 |
| Noncurrent loans to loans | 0.4189% | 2,992 |
| Net loans and leases to total assets | 81.3103% | 529 |
| Net loans and leases to deposits | 102.7030% | 427 |
| Net loans and leases to core deposits | 139.9051% | 169 |
| Total domestic deposits to total assets | 79.1703% | 4,013 |
| Equity capital to assets | 10.7737% | 3,073 |
| Core capital (leverage) ratio | 11.5648% | 2,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1619% | 2,212 |
| Memoranda: | ||
| Average total assets | $1,898,805,000 | 468 |
| Average earning assets | $1,797,353,500 | 456 |
| Average equity | $209,024,000 | 475 |
| Average total loans | $1,581,615,500 | 403 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9318% | 1,655 |
| Cost of funding earning assets | 1.1911% | 1,041 |
| Net interest margin | 3.7407% | 2,692 |
| Noninterest income to average assets | 0.2999% | 3,892 |
| Noninterest expense to average assets | 2.1815% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6330% | 767 |
| Return on assets (ROA) | 1.6328% | 820 |
| Pretax return on assets | 1.6618% | 1,299 |
| Return on Equity (ROE) | 13.9676% | 900 |
| Retained earnings to average equity (ytd only) | 1.8358% | 4,065 |
| Net charge-offs to loans | 0.0183% | 3,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 109.0896% | 635 |
| Efficiency ratio | 56.7585% | 4,114 |
| Assets per employee ($millions) | 10.5486% | 320 |
| Cash dividends to net income (ytd only)* | 86.8568% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5391% | 1,116 |
| Loan loss allowance to noncurrent loans | 350.5152% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 2,700 |
| Noncurrent loans to loans | 0.4391% | 2,876 |
| Net loans and leases to total assets | 82.7585% | 457 |
| Net loans and leases to deposits | 100.3596% | 583 |
| Net loans and leases to core deposits | 132.6401% | 246 |
| Total domestic deposits to total assets | 82.4619% | 3,374 |
| Equity capital to assets | 11.2506% | 2,760 |
| Core capital (leverage) ratio | 11.9679% | 1,802 |
| Tier 1 risk-based capital ratio | 13.1473% | 3,713 |
| Total risk-based capital ratio | 14.3999% | 3,599 |
| Memoranda: | ||
| Average total assets | $1,759,091,000 | 487 |
| Average earning assets | $1,666,404,000 | 463 |
| Average equity | $205,633,000 | 466 |
| Average total loans | $1,468,213,400 | 413 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9611% | 1,648 |
| Cost of funding earning assets | 1.1876% | 1,067 |
| Net interest margin | 3.7735% | 2,672 |
| Noninterest income to average assets | 0.3041% | 3,920 |
| Noninterest expense to average assets | 2.1801% | 4,218 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6676% | 793 |
| Return on assets (ROA) | 1.6673% | 839 |
| Pretax return on assets | 1.6969% | 1,339 |
| Return on Equity (ROE) | 14.1201% | 957 |
| Retained earnings to average equity (ytd only) | -0.8983% | 4,853 |
| Net charge-offs to loans | -0.0282% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2268% | 4,148 |
| Assets per employee ($millions) | 10.4460% | 311 |
| Cash dividends to net income (ytd only)* | 106.3620% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 906 |
| Loan loss allowance to noncurrent loans | 334.0132% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 2,588 |
| Noncurrent loans to loans | 0.4936% | 2,814 |
| Net loans and leases to total assets | 83.0645% | 444 |
| Net loans and leases to deposits | 102.2694% | 495 |
| Net loans and leases to core deposits | 140.0662% | 183 |
| Total domestic deposits to total assets | 81.2213% | 3,689 |
| Equity capital to assets | 11.5297% | 2,642 |
| Core capital (leverage) ratio | 11.9564% | 1,880 |
| Tier 1 risk-based capital ratio | 13.2546% | 3,713 |
| Total risk-based capital ratio | 14.5085% | 3,613 |
| Memoranda: | ||
| Average total assets | $1,732,087,000 | 491 |
| Average earning assets | $1,640,215,250 | 469 |
| Average equity | $204,526,000 | 470 |
| Average total loans | $1,442,931,000 | 422 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9287% | 1,668 |
| Cost of funding earning assets | 1.1514% | 1,135 |
| Net interest margin | 3.7773% | 2,662 |
| Noninterest income to average assets | 0.2921% | 3,987 |
| Noninterest expense to average assets | 2.1536% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6930% | 732 |
| Return on assets (ROA) | 1.6926% | 761 |
| Pretax return on assets | 1.7223% | 1,232 |
| Return on Equity (ROE) | 14.2184% | 930 |
| Retained earnings to average equity (ytd only) | -0.1311% | 4,704 |
| Net charge-offs to loans | -0.0192% | 4,532 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5576% | 4,299 |
| Assets per employee ($millions) | 10.7225% | 284 |
| Cash dividends to net income (ytd only)* | 100.9219% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 827 |
| Loan loss allowance to noncurrent loans | 356.9103% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 2,568 |
| Noncurrent loans to loans | 0.4751% | 2,853 |
| Net loans and leases to total assets | 80.9638% | 737 |
| Net loans and leases to deposits | 98.0676% | 836 |
| Net loans and leases to core deposits | 134.8350% | 245 |
| Total domestic deposits to total assets | 82.5592% | 3,350 |
| Equity capital to assets | 11.6592% | 2,482 |
| Core capital (leverage) ratio | 12.0891% | 1,768 |
| Tier 1 risk-based capital ratio | 13.7638% | 3,444 |
| Total risk-based capital ratio | 15.0182% | 3,336 |
| Memoranda: | ||
| Average total assets | $1,717,509,670 | 490 |
| Average earning assets | $1,629,720,670 | 472 |
| Average equity | $204,452,670 | 465 |
| Average total loans | $1,423,973,670 | 425 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 1,591 |
| Cost of funding earning assets | 1.1021% | 1,176 |
| Net interest margin | 3.7975% | 2,533 |
| Noninterest income to average assets | 0.3038% | 3,850 |
| Noninterest expense to average assets | 2.1850% | 4,293 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6968% | 733 |
| Return on assets (ROA) | 1.6959% | 759 |
| Pretax return on assets | 1.7263% | 1,152 |
| Return on Equity (ROE) | 14.0964% | 947 |
| Retained earnings to average equity (ytd only) | 3.9125% | 3,343 |
| Net charge-offs to loans | -0.0365% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8501% | 4,355 |
| Assets per employee ($millions) | 10.4596% | 297 |
| Cash dividends to net income (ytd only)* | 72.2446% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 867 |
| Loan loss allowance to noncurrent loans | 406.4735% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 2,780 |
| Noncurrent loans to loans | 0.4172% | 3,096 |
| Net loans and leases to total assets | 82.9665% | 471 |
| Net loans and leases to deposits | 100.7374% | 578 |
| Net loans and leases to core deposits | 141.0690% | 179 |
| Total domestic deposits to total assets | 82.3592% | 3,629 |
| Equity capital to assets | 11.9947% | 2,023 |
| Core capital (leverage) ratio | 12.4978% | 1,516 |
| Tier 1 risk-based capital ratio | 13.9608% | 3,356 |
| Total risk-based capital ratio | 15.2154% | 3,272 |
| Memoranda: | ||
| Average total assets | $1,697,019,000 | 500 |
| Average earning assets | $1,612,519,500 | 478 |
| Average equity | $204,166,000 | 465 |
| Average total loans | $1,411,810,000 | 428 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 1,647 |
| Cost of funding earning assets | 0.8577% | 1,272 |
| Net interest margin | 3.9011% | 2,321 |
| Noninterest income to average assets | 0.2373% | 4,500 |
| Noninterest expense to average assets | 2.9959% | 2,053 |
| Loan and lease loss provision to assets | -0.2370% | 5,348 |
| Net operating income to assets | 1.1500% | 2,385 |
| Return on assets (ROA) | 1.1513% | 2,381 |
| Pretax return on assets | 1.1843% | 2,942 |
| Return on Equity (ROE) | 9.7261% | 2,630 |
| Retained earnings to average equity (ytd only) | -0.4352% | 5,034 |
| Net charge-offs to loans | -0.0526% | 4,989 |
| Credit loss provision to net charge-offs | 545.3258% | 641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0012% | 1,366 |
| Assets per employee ($millions) | 10.4264% | 300 |
| Cash dividends to net income (ytd only)* | 104.4747% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7837% | 701 |
| Loan loss allowance to noncurrent loans | 250.1478% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 1,989 |
| Noncurrent loans to loans | 0.7131% | 2,205 |
| Net loans and leases to total assets | 80.5009% | 867 |
| Net loans and leases to deposits | 98.0430% | 899 |
| Net loans and leases to core deposits | 138.3673% | 213 |
| Total domestic deposits to total assets | 82.1078% | 3,615 |
| Equity capital to assets | 12.0678% | 1,849 |
| Core capital (leverage) ratio | 12.8449% | 1,310 |
| Tier 1 risk-based capital ratio | 14.4092% | 3,108 |
| Total risk-based capital ratio | 15.6646% | 3,023 |
| Memoranda: | ||
| Average total assets | $1,624,740,200 | 504 |
| Average earning assets | $1,542,904,000 | 480 |
| Average equity | $192,316,800 | 462 |
| Average total loans | $1,342,048,400 | 434 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,715 |
| Cost of funding earning assets | 0.8169% | 1,252 |
| Net interest margin | 3.8696% | 2,405 |
| Noninterest income to average assets | 0.2549% | 4,446 |
| Noninterest expense to average assets | 3.0759% | 1,826 |
| Loan and lease loss provision to assets | -0.2482% | 5,420 |
| Net operating income to assets | 1.0684% | 2,791 |
| Return on assets (ROA) | 1.0701% | 2,792 |
| Pretax return on assets | 1.1032% | 3,386 |
| Return on Equity (ROE) | 9.0867% | 3,042 |
| Retained earnings to average equity (ytd only) | -2.9287% | 5,247 |
| Net charge-offs to loans | -0.0289% | 4,736 |
| Credit loss provision to net charge-offs | 1,038.0623% | 411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2844% | 1,093 |
| Assets per employee ($millions) | 10.1358% | 313 |
| Cash dividends to net income (ytd only)* | 132.2301% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8313% | 677 |
| Loan loss allowance to noncurrent loans | 307.0068% | 1,620 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 2,318 |
| Noncurrent loans to loans | 0.5965% | 2,592 |
| Net loans and leases to total assets | 82.5542% | 623 |
| Net loans and leases to deposits | 99.9457% | 788 |
| Net loans and leases to core deposits | 142.1357% | 195 |
| Total domestic deposits to total assets | 82.5991% | 3,433 |
| Equity capital to assets | 12.0873% | 1,843 |
| Core capital (leverage) ratio | 12.5093% | 1,497 |
| Tier 1 risk-based capital ratio | 13.9698% | 3,392 |
| Total risk-based capital ratio | 15.2256% | 3,292 |
| Memoranda: | ||
| Average total assets | $1,611,261,250 | 504 |
| Average earning assets | $1,529,886,750 | 483 |
| Average equity | $189,751,750 | 464 |
| Average total loans | $1,333,591,500 | 433 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 1,825 |
| Cost of funding earning assets | 0.7811% | 1,214 |
| Net interest margin | 3.8039% | 2,552 |
| Noninterest income to average assets | 0.2540% | 4,491 |
| Noninterest expense to average assets | 3.3658% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4691% | 4,822 |
| Return on assets (ROA) | 0.4716% | 4,822 |
| Pretax return on assets | 0.5032% | 4,898 |
| Return on Equity (ROE) | 4.0403% | 4,815 |
| Retained earnings to average equity (ytd only) | -8.4152% | 5,392 |
| Net charge-offs to loans | 0.0018% | 3,145 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 335.3333% | 271 |
| Efficiency ratio | 87.0532% | 517 |
| Assets per employee ($millions) | 10.2961% | 291 |
| Cash dividends to net income (ytd only)* | 308.2828% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0659% | 464 |
| Loan loss allowance to noncurrent loans | 293.8728% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 2,138 |
| Noncurrent loans to loans | 0.7030% | 2,353 |
| Net loans and leases to total assets | 80.6416% | 921 |
| Net loans and leases to deposits | 97.0954% | 1,030 |
| Net loans and leases to core deposits | 139.9790% | 193 |
| Total domestic deposits to total assets | 83.0540% | 3,400 |
| Equity capital to assets | 11.6446% | 2,093 |
| Core capital (leverage) ratio | 12.0775% | 1,667 |
| Tier 1 risk-based capital ratio | 13.7243% | 3,496 |
| Total risk-based capital ratio | 14.9827% | 3,398 |
| Memoranda: | ||
| Average total assets | $1,607,771,670 | 504 |
| Average earning assets | $1,526,817,670 | 485 |
| Average equity | $187,661,330 | 468 |
| Average total loans | $1,323,528,000 | 438 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 1,746 |
| Cost of funding earning assets | 0.7541% | 1,168 |
| Net interest margin | 3.7858% | 2,476 |
| Noninterest income to average assets | 0.2267% | 4,656 |
| Noninterest expense to average assets | 3.4527% | 1,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3383% | 5,032 |
| Return on assets (ROA) | 0.3431% | 5,025 |
| Pretax return on assets | 0.3737% | 5,067 |
| Return on Equity (ROE) | 2.9361% | 5,030 |
| Retained earnings to average equity (ytd only) | -7.4399% | 5,294 |
| Net charge-offs to loans | 0.0173% | 2,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 25.8246% | 1,333 |
| Efficiency ratio | 90.3589% | 425 |
| Assets per employee ($millions) | 10.2209% | 302 |
| Cash dividends to net income (ytd only)* | 353.3917% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0923% | 461 |
| Loan loss allowance to noncurrent loans | 272.7004% | 1,766 |
| Noncurrent assets plus other real estate owned to assets | 0.7582% | 2,055 |
| Noncurrent loans to loans | 0.7673% | 2,284 |
| Net loans and leases to total assets | 81.0875% | 778 |
| Net loans and leases to deposits | 97.2775% | 918 |
| Net loans and leases to core deposits | 138.9555% | 227 |
| Total domestic deposits to total assets | 83.3569% | 3,563 |
| Equity capital to assets | 11.7934% | 1,920 |
| Core capital (leverage) ratio | 12.0865% | 1,602 |
| Tier 1 risk-based capital ratio | 13.9242% | 3,417 |
| Total risk-based capital ratio | 15.1831% | 3,332 |
| Memoranda: | ||
| Average total assets | $1,598,265,000 | 510 |
| Average earning assets | $1,517,475,500 | 488 |
| Average equity | $186,776,000 | 477 |
| Average total loans | $1,315,522,000 | 444 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 1,703 |
| Cost of funding earning assets | 0.6651% | 1,216 |
| Net interest margin | 3.8361% | 2,302 |
| Noninterest income to average assets | 0.3301% | 4,112 |
| Noninterest expense to average assets | 1.7693% | 5,265 |
| Loan and lease loss provision to assets | 0.0462% | 3,312 |
| Net operating income to assets | 2.1225% | 222 |
| Return on assets (ROA) | 2.1225% | 230 |
| Pretax return on assets | 2.1576% | 342 |
| Return on Equity (ROE) | 17.8553% | 321 |
| Retained earnings to average equity (ytd only) | 5.7633% | 1,677 |
| Net charge-offs to loans | 0.0075% | 3,813 |
| Credit loss provision to net charge-offs | 744.6809% | 447 |
| Earnings coverage of net charge-offs (x) | 355.4362% | 246 |
| Efficiency ratio | 44.5322% | 5,437 |
| Assets per employee ($millions) | 10.4710% | 271 |
| Cash dividends to net income (ytd only)* | 67.7222% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1126% | 436 |
| Loan loss allowance to noncurrent loans | 251.4851% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 2,151 |
| Noncurrent loans to loans | 0.8401% | 2,120 |
| Net loans and leases to total assets | 80.0726% | 951 |
| Net loans and leases to deposits | 95.9416% | 1,098 |
| Net loans and leases to core deposits | 140.2689% | 210 |
| Total domestic deposits to total assets | 83.4598% | 3,395 |
| Equity capital to assets | 11.5794% | 2,130 |
| Core capital (leverage) ratio | 12.0599% | 1,571 |
| Tier 1 risk-based capital ratio | 13.9079% | 3,415 |
| Total risk-based capital ratio | 15.1671% | 3,319 |
| Memoranda: | ||
| Average total assets | $1,516,111,600 | 513 |
| Average earning assets | $1,439,743,200 | 494 |
| Average equity | $180,227,000 | 471 |
| Average total loans | $1,261,739,800 | 442 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4875% | 1,680 |
| Cost of funding earning assets | 0.6367% | 1,325 |
| Net interest margin | 3.8509% | 2,223 |
| Noninterest income to average assets | 0.3502% | 4,029 |
| Noninterest expense to average assets | 1.7569% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.2127% | 209 |
| Return on assets (ROA) | 2.2127% | 210 |
| Pretax return on assets | 2.2499% | 322 |
| Return on Equity (ROE) | 18.4852% | 301 |
| Retained earnings to average equity (ytd only) | 3.3298% | 3,945 |
| Net charge-offs to loans | 0.0128% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 210.1698% | 408 |
| Efficiency ratio | 43.8485% | 5,484 |
| Assets per employee ($millions) | 10.1649% | 299 |
| Cash dividends to net income (ytd only)* | 81.9868% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0679% | 503 |
| Loan loss allowance to noncurrent loans | 467.5048% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4373% | 3,285 |
| Noncurrent loans to loans | 0.4423% | 3,378 |
| Net loans and leases to total assets | 81.5664% | 755 |
| Net loans and leases to deposits | 98.6607% | 851 |
| Net loans and leases to core deposits | 142.6874% | 176 |
| Total domestic deposits to total assets | 82.6737% | 3,559 |
| Equity capital to assets | 11.5871% | 2,289 |
| Core capital (leverage) ratio | 11.6673% | 1,909 |
| Tier 1 risk-based capital ratio | 12.9818% | 4,022 |
| Total risk-based capital ratio | 14.2402% | 3,922 |
| Memoranda: | ||
| Average total assets | $1,494,623,500 | 523 |
| Average earning assets | $1,419,217,000 | 502 |
| Average equity | $178,906,250 | 477 |
| Average total loans | $1,249,549,500 | 447 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 1,678 |
| Cost of funding earning assets | 0.5981% | 1,463 |
| Net interest margin | 3.8481% | 2,104 |
| Noninterest income to average assets | 0.3986% | 3,698 |
| Noninterest expense to average assets | 1.7774% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.2391% | 199 |
| Return on assets (ROA) | 2.2391% | 198 |
| Pretax return on assets | 2.2759% | 312 |
| Return on Equity (ROE) | 18.4961% | 293 |
| Retained earnings to average equity (ytd only) | 2.6280% | 4,127 |
| Net charge-offs to loans | 0.0313% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 86.7358% | 723 |
| Efficiency ratio | 43.8500% | 5,532 |
| Assets per employee ($millions) | 9.3400% | 368 |
| Cash dividends to net income (ytd only)* | 85.7915% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0824% | 526 |
| Loan loss allowance to noncurrent loans | 1,107.8698% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 4,226 |
| Noncurrent loans to loans | 0.1880% | 4,365 |
| Net loans and leases to total assets | 83.0471% | 545 |
| Net loans and leases to deposits | 99.1669% | 801 |
| Net loans and leases to core deposits | 144.6059% | 154 |
| Total domestic deposits to total assets | 83.7447% | 3,308 |
| Equity capital to assets | 11.7576% | 2,108 |
| Core capital (leverage) ratio | 12.3313% | 1,455 |
| Tier 1 risk-based capital ratio | 13.2068% | 3,873 |
| Total risk-based capital ratio | 14.4652% | 3,772 |
| Memoranda: | ||
| Average total assets | $1,471,035,330 | 531 |
| Average earning assets | $1,397,116,330 | 510 |
| Average equity | $178,080,670 | 479 |
| Average total loans | $1,231,468,670 | 454 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3762% | 1,728 |
| Cost of funding earning assets | 0.5781% | 1,524 |
| Net interest margin | 3.7981% | 2,119 |
| Noninterest income to average assets | 0.2482% | 4,761 |
| Noninterest expense to average assets | 1.8398% | 5,319 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9868% | 310 |
| Return on assets (ROA) | 1.9868% | 322 |
| Pretax return on assets | 2.0175% | 490 |
| Return on Equity (ROE) | 16.1671% | 509 |
| Retained earnings to average equity (ytd only) | 4.6571% | 3,087 |
| Net charge-offs to loans | -0.0250% | 4,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6969% | 5,481 |
| Assets per employee ($millions) | 9.5119% | 357 |
| Cash dividends to net income (ytd only)* | 71.1938% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2241% | 458 |
| Loan loss allowance to noncurrent loans | 2,557.0621% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 4,296 |
| Noncurrent loans to loans | 0.0870% | 4,847 |
| Net loans and leases to total assets | 80.4558% | 775 |
| Net loans and leases to deposits | 96.3796% | 904 |
| Net loans and leases to core deposits | 133.7177% | 218 |
| Total domestic deposits to total assets | 83.4781% | 3,663 |
| Equity capital to assets | 12.0423% | 1,806 |
| Core capital (leverage) ratio | 12.5802% | 1,297 |
| Tier 1 risk-based capital ratio | 13.8370% | 3,584 |
| Total risk-based capital ratio | 15.0968% | 3,485 |
| Memoranda: | ||
| Average total assets | $1,445,342,000 | 540 |
| Average earning assets | $1,373,424,500 | 513 |
| Average equity | $177,620,500 | 479 |
| Average total loans | $1,201,595,500 | 461 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,601 |
| Cost of funding earning assets | 0.5265% | 1,891 |
| Net interest margin | 3.9523% | 1,783 |
| Noninterest income to average assets | 0.5296% | 3,033 |
| Noninterest expense to average assets | 1.7615% | 5,511 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.4976% | 146 |
| Return on assets (ROA) | 2.4976% | 147 |
| Pretax return on assets | 2.5357% | 191 |
| Return on Equity (ROE) | 19.4554% | 238 |
| Retained earnings to average equity (ytd only) | 6.2081% | 1,604 |
| Net charge-offs to loans | 0.0201% | 3,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 151.9414% | 427 |
| Efficiency ratio | 40.9916% | 5,770 |
| Assets per employee ($millions) | 7.9933% | 614 |
| Cash dividends to net income (ytd only)* | 68.0903% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 409 |
| Loan loss allowance to noncurrent loans | 1,474.1971% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.3000% | 4,074 |
| Noncurrent loans to loans | 0.1554% | 4,616 |
| Net loans and leases to total assets | 82.1071% | 589 |
| Net loans and leases to deposits | 99.1928% | 728 |
| Net loans and leases to core deposits | 134.9385% | 225 |
| Total domestic deposits to total assets | 82.7753% | 3,834 |
| Equity capital to assets | 12.5496% | 1,490 |
| Core capital (leverage) ratio | 12.9746% | 1,141 |
| Tier 1 risk-based capital ratio | 14.3386% | 3,260 |
| Total risk-based capital ratio | 15.5996% | 3,189 |
| Memoranda: | ||
| Average total assets | $1,330,258,800 | 555 |
| Average earning assets | $1,268,066,400 | 536 |
| Average equity | $170,775,600 | 478 |
| Average total loans | $1,103,179,400 | 469 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4686% | 1,637 |
| Cost of funding earning assets | 0.5159% | 1,970 |
| Net interest margin | 3.9527% | 1,806 |
| Noninterest income to average assets | 0.6037% | 2,641 |
| Noninterest expense to average assets | 1.7656% | 5,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.5665% | 145 |
| Return on assets (ROA) | 2.5666% | 151 |
| Pretax return on assets | 2.6054% | 189 |
| Return on Equity (ROE) | 19.8729% | 245 |
| Retained earnings to average equity (ytd only) | 3.0795% | 4,070 |
| Net charge-offs to loans | 0.0329% | 2,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 95.9554% | 684 |
| Efficiency ratio | 40.3937% | 5,823 |
| Assets per employee ($millions) | 8.6924% | 447 |
| Cash dividends to net income (ytd only)* | 84.5041% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3832% | 390 |
| Loan loss allowance to noncurrent loans | 1,607.3722% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 4,015 |
| Noncurrent loans to loans | 0.1483% | 4,752 |
| Net loans and leases to total assets | 80.1260% | 872 |
| Net loans and leases to deposits | 96.6085% | 988 |
| Net loans and leases to core deposits | 133.0860% | 260 |
| Total domestic deposits to total assets | 82.9389% | 3,626 |
| Equity capital to assets | 12.3437% | 1,869 |
| Core capital (leverage) ratio | 13.0884% | 1,156 |
| Tier 1 risk-based capital ratio | 14.7658% | 3,159 |
| Total risk-based capital ratio | 16.0285% | 3,094 |
| Memoranda: | ||
| Average total assets | $1,311,116,750 | 561 |
| Average earning assets | $1,249,577,250 | 542 |
| Average equity | $169,331,750 | 484 |
| Average total loans | $1,083,427,750 | 473 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 1,577 |
| Cost of funding earning assets | 0.5095% | 2,029 |
| Net interest margin | 3.9703% | 1,738 |
| Noninterest income to average assets | 0.1858% | 5,384 |
| Noninterest expense to average assets | 1.7276% | 5,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.2029% | 226 |
| Return on assets (ROA) | 2.2029% | 240 |
| Pretax return on assets | 2.2398% | 341 |
| Return on Equity (ROE) | 16.7913% | 457 |
| Retained earnings to average equity (ytd only) | 5.0619% | 2,692 |
| Net charge-offs to loans | 0.0621% | 2,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 43.5589% | 1,094 |
| Efficiency ratio | 43.5452% | 5,825 |
| Assets per employee ($millions) | 9.1727% | 366 |
| Cash dividends to net income (ytd only)* | 69.8540% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5033% | 360 |
| Loan loss allowance to noncurrent loans | 571.3196% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.6079% | 3,197 |
| Noncurrent loans to loans | 0.4382% | 3,797 |
| Net loans and leases to total assets | 79.5304% | 982 |
| Net loans and leases to deposits | 96.1670% | 1,063 |
| Net loans and leases to core deposits | 131.3934% | 284 |
| Total domestic deposits to total assets | 82.7003% | 3,760 |
| Equity capital to assets | 12.9420% | 1,541 |
| Core capital (leverage) ratio | 13.3921% | 1,018 |
| Tier 1 risk-based capital ratio | 15.5265% | 2,850 |
| Total risk-based capital ratio | 16.7906% | 2,781 |
| Memoranda: | ||
| Average total assets | $1,287,457,670 | 572 |
| Average earning assets | $1,226,247,000 | 552 |
| Average equity | $168,908,670 | 486 |
| Average total loans | $1,066,419,330 | 479 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 1,530 |
| Cost of funding earning assets | 0.5019% | 2,089 |
| Net interest margin | 3.9900% | 1,640 |
| Noninterest income to average assets | 0.2411% | 5,013 |
| Noninterest expense to average assets | 1.7517% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.2525% | 216 |
| Return on assets (ROA) | 2.2525% | 228 |
| Pretax return on assets | 2.2878% | 322 |
| Return on Equity (ROE) | 17.0493% | 435 |
| Retained earnings to average equity (ytd only) | 7.0141% | 1,879 |
| Net charge-offs to loans | 0.0396% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 69.2190% | 704 |
| Efficiency ratio | 43.3648% | 5,888 |
| Assets per employee ($millions) | 9.7853% | 302 |
| Cash dividends to net income (ytd only)* | 58.8597% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5750% | 362 |
| Loan loss allowance to noncurrent loans | 360.2384% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 2,635 |
| Noncurrent loans to loans | 0.7148% | 3,046 |
| Net loans and leases to total assets | 77.8977% | 1,120 |
| Net loans and leases to deposits | 91.9572% | 1,350 |
| Net loans and leases to core deposits | 125.9725% | 339 |
| Total domestic deposits to total assets | 84.7108% | 3,236 |
| Equity capital to assets | 12.8271% | 1,493 |
| Core capital (leverage) ratio | 13.7835% | 871 |
| Tier 1 risk-based capital ratio | 15.4112% | 2,967 |
| Total risk-based capital ratio | 16.6755% | 2,897 |
| Memoranda: | ||
| Average total assets | $1,270,749,000 | 577 |
| Average earning assets | $1,209,709,500 | 559 |
| Average equity | $167,889,500 | 486 |
| Average total loans | $1,060,894,500 | 478 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 1,256 |
| Cost of funding earning assets | 0.4879% | 2,285 |
| Net interest margin | 4.1435% | 1,297 |
| Noninterest income to average assets | 0.2102% | 5,339 |
| Noninterest expense to average assets | 1.7642% | 5,786 |
| Loan and lease loss provision to assets | 0.2279% | 882 |
| Net operating income to assets | 2.1752% | 261 |
| Return on assets (ROA) | 2.1755% | 268 |
| Pretax return on assets | 2.2080% | 342 |
| Return on Equity (ROE) | 16.6938% | 486 |
| Retained earnings to average equity (ytd only) | 5.5745% | 2,035 |
| Net charge-offs to loans | 0.1995% | 1,464 |
| Credit loss provision to net charge-offs | 134.4137% | 1,953 |
| Earnings coverage of net charge-offs (x) | 14.3646% | 2,308 |
| Efficiency ratio | 42.0063% | 6,026 |
| Assets per employee ($millions) | 9.1081% | 372 |
| Cash dividends to net income (ytd only)* | 66.6072% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5623% | 368 |
| Loan loss allowance to noncurrent loans | 522.5455% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.6840% | 2,996 |
| Noncurrent loans to loans | 0.4904% | 3,731 |
| Net loans and leases to total assets | 85.0686% | 302 |
| Net loans and leases to deposits | 101.2319% | 593 |
| Net loans and leases to core deposits | 138.7968% | 180 |
| Total domestic deposits to total assets | 84.0334% | 3,464 |
| Equity capital to assets | 13.6283% | 1,071 |
| Core capital (leverage) ratio | 13.5087% | 965 |
| Tier 1 risk-based capital ratio | 15.1231% | 3,117 |
| Total risk-based capital ratio | 16.3875% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,237,349,800 | 569 |
| Average earning assets | $1,191,389,200 | 547 |
| Average equity | $161,251,200 | 483 |
| Average total loans | $1,051,542,200 | 456 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 1,295 |
| Cost of funding earning assets | 0.4773% | 2,431 |
| Net interest margin | 4.1370% | 1,309 |
| Noninterest income to average assets | 0.1710% | 5,623 |
| Noninterest expense to average assets | 1.7731% | 5,817 |
| Loan and lease loss provision to assets | 0.3028% | 482 |
| Net operating income to assets | 2.0605% | 328 |
| Return on assets (ROA) | 2.0594% | 345 |
| Pretax return on assets | 2.0902% | 511 |
| Return on Equity (ROE) | 15.9823% | 595 |
| Retained earnings to average equity (ytd only) | 4.4254% | 3,312 |
| Net charge-offs to loans | 0.2742% | 975 |
| Credit loss provision to net charge-offs | 130.8585% | 1,868 |
| Earnings coverage of net charge-offs (x) | 10.3452% | 2,604 |
| Efficiency ratio | 42.5486% | 6,073 |
| Assets per employee ($millions) | 9.4993% | 320 |
| Cash dividends to net income (ytd only)* | 72.3106% | 948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5959% | 385 |
| Loan loss allowance to noncurrent loans | 491.6276% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 1.0170% | 2,325 |
| Noncurrent loans to loans | 0.5280% | 3,763 |
| Net loans and leases to total assets | 81.5305% | 636 |
| Net loans and leases to deposits | 97.1870% | 889 |
| Net loans and leases to core deposits | 133.3333% | 232 |
| Total domestic deposits to total assets | 83.8903% | 3,475 |
| Equity capital to assets | 13.0145% | 1,436 |
| Core capital (leverage) ratio | 13.3207% | 1,085 |
| Tier 1 risk-based capital ratio | 15.3138% | 3,135 |
| Total risk-based capital ratio | 16.5791% | 3,054 |
| Memoranda: | ||
| Average total assets | $1,241,566,250 | 571 |
| Average earning assets | $1,199,311,250 | 542 |
| Average equity | $159,981,250 | 490 |
| Average total loans | $1,048,039,750 | 462 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 1,273 |
| Cost of funding earning assets | 0.4735% | 2,483 |
| Net interest margin | 4.1295% | 1,276 |
| Noninterest income to average assets | 0.1896% | 5,548 |
| Noninterest expense to average assets | 1.7290% | 5,943 |
| Loan and lease loss provision to assets | 0.3814% | 329 |
| Net operating income to assets | 2.0372% | 347 |
| Return on assets (ROA) | 2.0356% | 363 |
| Pretax return on assets | 2.0663% | 521 |
| Return on Equity (ROE) | 15.8516% | 624 |
| Retained earnings to average equity (ytd only) | 2.7449% | 4,310 |
| Net charge-offs to loans | 0.3022% | 874 |
| Credit loss provision to net charge-offs | 149.0840% | 1,543 |
| Earnings coverage of net charge-offs (x) | 9.5736% | 2,441 |
| Efficiency ratio | 41.3801% | 6,178 |
| Assets per employee ($millions) | 9.6001% | 304 |
| Cash dividends to net income (ytd only)* | 82.6836% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5981% | 433 |
| Loan loss allowance to noncurrent loans | 397.9924% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1841% | 2,146 |
| Noncurrent loans to loans | 0.6528% | 3,518 |
| Net loans and leases to total assets | 81.5543% | 600 |
| Net loans and leases to deposits | 97.6953% | 818 |
| Net loans and leases to core deposits | 135.3705% | 207 |
| Total domestic deposits to total assets | 83.4782% | 3,766 |
| Equity capital to assets | 12.7235% | 1,529 |
| Core capital (leverage) ratio | 12.9822% | 1,177 |
| Tier 1 risk-based capital ratio | 14.8564% | 3,443 |
| Total risk-based capital ratio | 16.1215% | 3,362 |
| Memoranda: | ||
| Average total assets | $1,237,451,330 | 574 |
| Average earning assets | $1,195,289,000 | 544 |
| Average equity | $158,911,670 | 494 |
| Average total loans | $1,047,531,000 | 465 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,593 |
| Cost of funding earning assets | 0.4700% | 2,564 |
| Net interest margin | 3.9861% | 1,607 |
| Noninterest income to average assets | 0.1343% | 5,932 |
| Noninterest expense to average assets | 1.7031% | 6,008 |
| Loan and lease loss provision to assets | 0.4269% | 256 |
| Net operating income to assets | 1.8348% | 454 |
| Return on assets (ROA) | 1.8348% | 482 |
| Pretax return on assets | 1.8625% | 768 |
| Return on Equity (ROE) | 14.2198% | 837 |
| Retained earnings to average equity (ytd only) | 1.1037% | 5,041 |
| Net charge-offs to loans | 0.5881% | 419 |
| Credit loss provision to net charge-offs | 85.2865% | 1,782 |
| Earnings coverage of net charge-offs (x) | 4.5736% | 2,474 |
| Efficiency ratio | 42.6577% | 6,215 |
| Assets per employee ($millions) | 9.8228% | 270 |
| Cash dividends to net income (ytd only)* | 92.2380% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4837% | 542 |
| Loan loss allowance to noncurrent loans | 193.3602% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4865% | 1,769 |
| Noncurrent loans to loans | 1.2845% | 2,233 |
| Net loans and leases to total assets | 82.9474% | 378 |
| Net loans and leases to deposits | 99.0964% | 618 |
| Net loans and leases to core deposits | 139.4024% | 158 |
| Total domestic deposits to total assets | 83.7037% | 3,934 |
| Equity capital to assets | 12.7202% | 1,559 |
| Core capital (leverage) ratio | 13.2409% | 1,071 |
| Tier 1 risk-based capital ratio | 14.5930% | 3,670 |
| Total risk-based capital ratio | 15.8541% | 3,586 |
| Memoranda: | ||
| Average total assets | $1,227,380,500 | 574 |
| Average earning assets | $1,188,038,500 | 546 |
| Average equity | $158,371,000 | 497 |
| Average total loans | $1,044,799,000 | 464 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 1,157 |
| Cost of funding earning assets | 0.4765% | 2,921 |
| Net interest margin | 4.2999% | 1,060 |
| Noninterest income to average assets | 0.2874% | 5,068 |
| Noninterest expense to average assets | 1.6821% | 6,173 |
| Loan and lease loss provision to assets | 0.5985% | 236 |
| Net operating income to assets | 2.1209% | 264 |
| Return on assets (ROA) | 2.1133% | 273 |
| Pretax return on assets | 2.1403% | 371 |
| Return on Equity (ROE) | 15.8564% | 638 |
| Retained earnings to average equity (ytd only) | 4.4589% | 3,002 |
| Net charge-offs to loans | 0.8007% | 434 |
| Credit loss provision to net charge-offs | 86.8471% | 2,713 |
| Earnings coverage of net charge-offs (x) | 3.9853% | 3,768 |
| Efficiency ratio | 37.9826% | 6,425 |
| Assets per employee ($millions) | 9.3586% | 299 |
| Cash dividends to net income (ytd only)* | 71.8795% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5845% | 494 |
| Loan loss allowance to noncurrent loans | 166.1105% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 1.7164% | 1,555 |
| Noncurrent loans to loans | 1.5559% | 1,883 |
| Net loans and leases to total assets | 82.9890% | 433 |
| Net loans and leases to deposits | 98.8501% | 693 |
| Net loans and leases to core deposits | 140.6883% | 160 |
| Total domestic deposits to total assets | 83.9544% | 3,731 |
| Equity capital to assets | 13.0922% | 1,320 |
| Core capital (leverage) ratio | 13.5880% | 947 |
| Tier 1 risk-based capital ratio | 15.5393% | 3,215 |
| Total risk-based capital ratio | 16.8053% | 3,137 |
| Memoranda: | ||
| Average total assets | $1,152,852,600 | 587 |
| Average earning assets | $1,110,311,000 | 555 |
| Average equity | $153,648,000 | 499 |
| Average total loans | $992,290,800 | 463 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,232 |
| Cost of funding earning assets | 0.4760% | 2,992 |
| Net interest margin | 4.2557% | 1,141 |
| Noninterest income to average assets | 0.1512% | 6,012 |
| Noninterest expense to average assets | 1.6673% | 6,232 |
| Loan and lease loss provision to assets | 0.7139% | 179 |
| Net operating income to assets | 1.8406% | 474 |
| Return on assets (ROA) | 1.8304% | 496 |
| Pretax return on assets | 1.8528% | 798 |
| Return on Equity (ROE) | 13.6699% | 1,055 |
| Retained earnings to average equity (ytd only) | -0.7613% | 5,924 |
| Net charge-offs to loans | 1.1118% | 261 |
| Credit loss provision to net charge-offs | 74.3993% | 2,689 |
| Earnings coverage of net charge-offs (x) | 2.6856% | 3,850 |
| Efficiency ratio | 39.2831% | 6,468 |
| Assets per employee ($millions) | 9.2498% | 306 |
| Cash dividends to net income (ytd only)* | 105.5691% | 303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 640 |
| Loan loss allowance to noncurrent loans | 109.1317% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 3.0822% | 752 |
| Noncurrent loans to loans | 2.3045% | 1,300 |
| Net loans and leases to total assets | 83.5719% | 355 |
| Net loans and leases to deposits | 98.1114% | 729 |
| Net loans and leases to core deposits | 137.7130% | 164 |
| Total domestic deposits to total assets | 85.1807% | 3,266 |
| Equity capital to assets | 12.8522% | 1,502 |
| Core capital (leverage) ratio | 13.3977% | 1,032 |
| Tier 1 risk-based capital ratio | 14.8551% | 3,677 |
| Total risk-based capital ratio | 16.1189% | 3,601 |
| Memoranda: | ||
| Average total assets | $1,139,249,750 | 593 |
| Average earning assets | $1,095,686,750 | 557 |
| Average equity | $152,545,500 | 499 |
| Average total loans | $983,244,250 | 457 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7235% | 1,237 |
| Cost of funding earning assets | 0.4760% | 3,055 |
| Net interest margin | 4.2474% | 1,141 |
| Noninterest income to average assets | 0.1903% | 5,819 |
| Noninterest expense to average assets | 1.6815% | 6,288 |
| Loan and lease loss provision to assets | 0.8183% | 146 |
| Net operating income to assets | 1.7506% | 536 |
| Return on assets (ROA) | 1.7349% | 572 |
| Pretax return on assets | 1.7601% | 916 |
| Return on Equity (ROE) | 12.7765% | 1,237 |
| Retained earnings to average equity (ytd only) | -1.5524% | 5,933 |
| Net charge-offs to loans | 0.8313% | 449 |
| Credit loss provision to net charge-offs | 113.7769% | 1,774 |
| Earnings coverage of net charge-offs (x) | 3.6072% | 3,258 |
| Efficiency ratio | 39.3269% | 6,534 |
| Assets per employee ($millions) | 8.6192% | 385 |
| Cash dividends to net income (ytd only)* | 112.1501% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8811% | 442 |
| Loan loss allowance to noncurrent loans | 101.2830% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 3.5608% | 640 |
| Noncurrent loans to loans | 2.8446% | 1,051 |
| Net loans and leases to total assets | 85.4431% | 216 |
| Net loans and leases to deposits | 101.8908% | 457 |
| Net loans and leases to core deposits | 137.1918% | 156 |
| Total domestic deposits to total assets | 83.8575% | 3,973 |
| Equity capital to assets | 13.6586% | 1,103 |
| Core capital (leverage) ratio | 13.7871% | 890 |
| Tier 1 risk-based capital ratio | 15.3592% | 3,433 |
| Total risk-based capital ratio | 16.6284% | 3,368 |
| Memoranda: | ||
| Average total assets | $1,124,339,670 | 596 |
| Average earning assets | $1,081,453,670 | 561 |
| Average equity | $152,671,330 | 493 |
| Average total loans | $972,658,330 | 457 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 1,152 |
| Cost of funding earning assets | 0.4784% | 3,132 |
| Net interest margin | 4.2666% | 1,070 |
| Noninterest income to average assets | 0.2010% | 5,750 |
| Noninterest expense to average assets | 1.8285% | 6,182 |
| Loan and lease loss provision to assets | 0.5307% | 271 |
| Net operating income to assets | 1.9176% | 386 |
| Return on assets (ROA) | 1.9176% | 405 |
| Pretax return on assets | 1.9466% | 596 |
| Return on Equity (ROE) | 14.1631% | 915 |
| Retained earnings to average equity (ytd only) | 4.3874% | 3,494 |
| Net charge-offs to loans | 0.5745% | 642 |
| Credit loss provision to net charge-offs | 107.6813% | 1,560 |
| Earnings coverage of net charge-offs (x) | 5.0266% | 2,436 |
| Efficiency ratio | 42.4651% | 6,537 |
| Assets per employee ($millions) | 9.2500% | 315 |
| Cash dividends to net income (ytd only)* | 69.0221% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8998% | 483 |
| Loan loss allowance to noncurrent loans | 83.6213% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 3.9350% | 616 |
| Noncurrent loans to loans | 3.4678% | 853 |
| Net loans and leases to total assets | 81.6215% | 386 |
| Net loans and leases to deposits | 96.1410% | 649 |
| Net loans and leases to core deposits | 127.3626% | 211 |
| Total domestic deposits to total assets | 84.8977% | 3,920 |
| Equity capital to assets | 13.5495% | 1,084 |
| Core capital (leverage) ratio | 13.8328% | 875 |
| Tier 1 risk-based capital ratio | 16.0462% | 3,153 |
| Total risk-based capital ratio | 17.3157% | 3,093 |
| Memoranda: | ||
| Average total assets | $1,130,572,500 | 597 |
| Average earning assets | $1,087,715,000 | 562 |
| Average equity | $153,074,000 | 490 |
| Average total loans | $969,886,000 | 460 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 1,126 |
| Cost of funding earning assets | 0.5493% | 3,117 |
| Net interest margin | 4.3334% | 1,025 |
| Noninterest income to average assets | 0.8797% | 1,755 |
| Noninterest expense to average assets | 1.7368% | 6,403 |
| Loan and lease loss provision to assets | 0.7652% | 284 |
| Net operating income to assets | 2.5424% | 160 |
| Return on assets (ROA) | 2.5206% | 167 |
| Pretax return on assets | 2.5412% | 192 |
| Return on Equity (ROE) | 20.1345% | 273 |
| Retained earnings to average equity (ytd only) | 11.0863% | 408 |
| Net charge-offs to loans | 0.5669% | 1,157 |
| Credit loss provision to net charge-offs | 157.4006% | 1,464 |
| Earnings coverage of net charge-offs (x) | 6.8466% | 2,966 |
| Efficiency ratio | 34.2892% | 6,743 |
| Assets per employee ($millions) | 9.1333% | 316 |
| Cash dividends to net income (ytd only)* | 44.9388% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8093% | 590 |
| Loan loss allowance to noncurrent loans | 69.2555% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 4.5655% | 542 |
| Noncurrent loans to loans | 4.0564% | 713 |
| Net loans and leases to total assets | 85.0782% | 200 |
| Net loans and leases to deposits | 100.2140% | 473 |
| Net loans and leases to core deposits | 134.9315% | 157 |
| Total domestic deposits to total assets | 84.8965% | 3,799 |
| Equity capital to assets | 13.5294% | 1,057 |
| Core capital (leverage) ratio | 13.6930% | 904 |
| Tier 1 risk-based capital ratio | 15.4555% | 3,402 |
| Total risk-based capital ratio | 16.7241% | 3,342 |
| Memoranda: | ||
| Average total assets | $1,117,383,200 | 589 |
| Average earning assets | $1,079,235,400 | 550 |
| Average equity | $139,884,400 | 520 |
| Average total loans | $958,242,400 | 447 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 1,167 |
| Cost of funding earning assets | 0.5564% | 3,198 |
| Net interest margin | 4.3221% | 1,046 |
| Noninterest income to average assets | 0.1704% | 6,164 |
| Noninterest expense to average assets | 1.7140% | 6,456 |
| Loan and lease loss provision to assets | 0.8065% | 240 |
| Net operating income to assets | 1.8010% | 524 |
| Return on assets (ROA) | 1.7723% | 584 |
| Pretax return on assets | 1.7998% | 913 |
| Return on Equity (ROE) | 14.4506% | 897 |
| Retained earnings to average equity (ytd only) | 3.0055% | 4,526 |
| Net charge-offs to loans | 0.4171% | 1,536 |
| Credit loss provision to net charge-offs | 226.6622% | 1,076 |
| Earnings coverage of net charge-offs (x) | 7.4070% | 2,803 |
| Efficiency ratio | 39.4061% | 6,767 |
| Assets per employee ($millions) | 9.3127% | 282 |
| Cash dividends to net income (ytd only)* | 79.2018% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9181% | 608 |
| Loan loss allowance to noncurrent loans | 67.9171% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 4.8332% | 594 |
| Noncurrent loans to loans | 4.2966% | 789 |
| Net loans and leases to total assets | 84.1892% | 234 |
| Net loans and leases to deposits | 98.0253% | 569 |
| Net loans and leases to core deposits | 133.7399% | 152 |
| Total domestic deposits to total assets | 85.8851% | 3,327 |
| Equity capital to assets | 12.3682% | 1,658 |
| Core capital (leverage) ratio | 12.5656% | 1,385 |
| Tier 1 risk-based capital ratio | 14.5023% | 4,070 |
| Total risk-based capital ratio | 15.7723% | 4,017 |
| Memoranda: | ||
| Average total assets | $1,115,880,250 | 593 |
| Average earning assets | $1,078,993,500 | 553 |
| Average equity | $136,858,250 | 534 |
| Average total loans | $951,955,500 | 445 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8376% | 1,246 |
| Cost of funding earning assets | 0.5594% | 3,323 |
| Net interest margin | 4.2783% | 1,075 |
| Noninterest income to average assets | 0.2354% | 5,760 |
| Noninterest expense to average assets | 1.7320% | 6,465 |
| Loan and lease loss provision to assets | 0.9952% | 190 |
| Net operating income to assets | 1.6162% | 729 |
| Return on assets (ROA) | 1.6162% | 799 |
| Pretax return on assets | 1.6431% | 1,246 |
| Return on Equity (ROE) | 13.2151% | 1,190 |
| Retained earnings to average equity (ytd only) | 4.3503% | 3,504 |
| Net charge-offs to loans | 0.6882% | 952 |
| Credit loss provision to net charge-offs | 170.4545% | 1,383 |
| Earnings coverage of net charge-offs (x) | 4.5187% | 3,107 |
| Efficiency ratio | 39.6315% | 6,810 |
| Assets per employee ($millions) | 9.5441% | 249 |
| Cash dividends to net income (ytd only)* | 67.0809% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7915% | 714 |
| Loan loss allowance to noncurrent loans | 79.0503% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 4.1227% | 832 |
| Noncurrent loans to loans | 3.5314% | 1,189 |
| Net loans and leases to total assets | 82.1757% | 347 |
| Net loans and leases to deposits | 95.5778% | 702 |
| Net loans and leases to core deposits | 131.9509% | 173 |
| Total domestic deposits to total assets | 85.9777% | 3,382 |
| Equity capital to assets | 12.1651% | 1,798 |
| Core capital (leverage) ratio | 12.6920% | 1,295 |
| Tier 1 risk-based capital ratio | 14.5889% | 4,036 |
| Total risk-based capital ratio | 15.8573% | 3,990 |
| Memoranda: | ||
| Average total assets | $1,115,332,000 | 593 |
| Average earning assets | $1,077,963,000 | 553 |
| Average equity | $136,405,000 | 539 |
| Average total loans | $946,235,670 | 448 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 1,217 |
| Cost of funding earning assets | 0.5653% | 3,424 |
| Net interest margin | 4.2724% | 1,021 |
| Noninterest income to average assets | 0.2588% | 5,609 |
| Noninterest expense to average assets | 1.8608% | 6,348 |
| Loan and lease loss provision to assets | 0.6696% | 356 |
| Net operating income to assets | 1.8373% | 449 |
| Return on assets (ROA) | 1.8373% | 496 |
| Pretax return on assets | 1.8536% | 798 |
| Return on Equity (ROE) | 14.9817% | 773 |
| Retained earnings to average equity (ytd only) | 8.5416% | 1,547 |
| Net charge-offs to loans | 0.5025% | 1,201 |
| Credit loss provision to net charge-offs | 156.7797% | 1,318 |
| Earnings coverage of net charge-offs (x) | 5.9076% | 2,309 |
| Efficiency ratio | 42.4455% | 6,823 |
| Assets per employee ($millions) | 9.2153% | 296 |
| Cash dividends to net income (ytd only)* | 42.9866% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6667% | 952 |
| Loan loss allowance to noncurrent loans | 78.9848% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 4.0570% | 974 |
| Noncurrent loans to loans | 3.3762% | 1,431 |
| Net loans and leases to total assets | 83.1032% | 226 |
| Net loans and leases to deposits | 96.7527% | 504 |
| Net loans and leases to core deposits | 131.2743% | 169 |
| Total domestic deposits to total assets | 85.8924% | 3,589 |
| Equity capital to assets | 12.3891% | 1,781 |
| Core capital (leverage) ratio | 12.6624% | 1,267 |
| Tier 1 risk-based capital ratio | 14.4724% | 4,195 |
| Total risk-based capital ratio | 15.7391% | 4,148 |
| Memoranda: | ||
| Average total assets | $1,105,122,500 | 605 |
| Average earning assets | $1,067,026,500 | 563 |
| Average equity | $135,525,000 | 550 |
| Average total loans | $939,297,000 | 448 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9949% | 1,571 |
| Cost of funding earning assets | 0.6807% | 3,646 |
| Net interest margin | 4.3143% | 1,374 |
| Noninterest income to average assets | 0.0270% | 6,763 |
| Noninterest expense to average assets | 1.8298% | 6,585 |
| Loan and lease loss provision to assets | 0.8924% | 505 |
| Net operating income to assets | 1.4436% | 1,016 |
| Return on assets (ROA) | 1.4649% | 1,092 |
| Pretax return on assets | 1.4747% | 1,762 |
| Return on Equity (ROE) | 12.8380% | 1,274 |
| Retained earnings to average equity (ytd only) | 10.4620% | 514 |
| Net charge-offs to loans | 1.1675% | 877 |
| Credit loss provision to net charge-offs | 92.2339% | 3,383 |
| Earnings coverage of net charge-offs (x) | 2.4243% | 4,200 |
| Efficiency ratio | 43.8232% | 6,853 |
| Assets per employee ($millions) | 9.4394% | 288 |
| Cash dividends to net income (ytd only)* | 18.5075% | 3,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6228% | 999 |
| Loan loss allowance to noncurrent loans | 87.7794% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 3.7996% | 1,154 |
| Noncurrent loans to loans | 2.9879% | 1,747 |
| Net loans and leases to total assets | 82.3901% | 307 |
| Net loans and leases to deposits | 96.1929% | 605 |
| Net loans and leases to core deposits | 126.7070% | 212 |
| Total domestic deposits to total assets | 85.6509% | 3,529 |
| Equity capital to assets | 12.1374% | 1,951 |
| Core capital (leverage) ratio | 12.2581% | 1,424 |
| Tier 1 risk-based capital ratio | 14.3166% | 4,152 |
| Total risk-based capital ratio | 15.5828% | 4,103 |
| Memoranda: | ||
| Average total assets | $1,120,542,600 | 585 |
| Average earning assets | $1,077,498,000 | 547 |
| Average equity | $127,862,400 | 562 |
| Average total loans | $928,650,000 | 447 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 1,672 |
| Cost of funding earning assets | 0.6898% | 3,856 |
| Net interest margin | 4.3198% | 1,420 |
| Noninterest income to average assets | 0.1128% | 6,571 |
| Noninterest expense to average assets | 1.8755% | 6,567 |
| Loan and lease loss provision to assets | 0.7564% | 649 |
| Net operating income to assets | 1.6191% | 810 |
| Return on assets (ROA) | 1.6320% | 870 |
| Pretax return on assets | 1.6450% | 1,431 |
| Return on Equity (ROE) | 14.5293% | 995 |
| Retained earnings to average equity (ytd only) | 12.2240% | 496 |
| Net charge-offs to loans | 1.4660% | 601 |
| Credit loss provision to net charge-offs | 62.5797% | 4,083 |
| Earnings coverage of net charge-offs (x) | 1.9760% | 4,274 |
| Efficiency ratio | 43.9857% | 6,896 |
| Assets per employee ($millions) | 9.4011% | 288 |
| Cash dividends to net income (ytd only)* | 15.8663% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3446% | 1,443 |
| Loan loss allowance to noncurrent loans | 58.1477% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 4.7842% | 946 |
| Noncurrent loans to loans | 4.0322% | 1,264 |
| Net loans and leases to total assets | 80.8547% | 445 |
| Net loans and leases to deposits | 93.5038% | 823 |
| Net loans and leases to core deposits | 124.8730% | 237 |
| Total domestic deposits to total assets | 86.4721% | 3,000 |
| Equity capital to assets | 11.9611% | 2,294 |
| Core capital (leverage) ratio | 12.1103% | 1,590 |
| Tier 1 risk-based capital ratio | 14.4006% | 4,261 |
| Total risk-based capital ratio | 15.6634% | 4,215 |
| Memoranda: | ||
| Average total assets | $1,124,575,500 | 587 |
| Average earning assets | $1,080,670,250 | 554 |
| Average equity | $126,316,250 | 569 |
| Average total loans | $927,204,250 | 447 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9822% | 1,833 |
| Cost of funding earning assets | 0.7149% | 3,901 |
| Net interest margin | 4.2674% | 1,561 |
| Noninterest income to average assets | 0.1218% | 6,574 |
| Noninterest expense to average assets | 1.9293% | 6,550 |
| Loan and lease loss provision to assets | 0.7259% | 728 |
| Net operating income to assets | 1.5493% | 909 |
| Return on assets (ROA) | 1.5683% | 993 |
| Pretax return on assets | 1.5833% | 1,594 |
| Return on Equity (ROE) | 14.2650% | 1,059 |
| Retained earnings to average equity (ytd only) | 12.1795% | 554 |
| Net charge-offs to loans | 1.5187% | 652 |
| Credit loss provision to net charge-offs | 58.0490% | 3,853 |
| Earnings coverage of net charge-offs (x) | 1.8314% | 4,060 |
| Efficiency ratio | 45.7242% | 6,893 |
| Assets per employee ($millions) | 9.2823% | 294 |
| Cash dividends to net income (ytd only)* | 14.6196% | 3,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4172% | 1,389 |
| Loan loss allowance to noncurrent loans | 62.9149% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 4.7164% | 1,027 |
| Noncurrent loans to loans | 3.8420% | 1,458 |
| Net loans and leases to total assets | 80.4671% | 453 |
| Net loans and leases to deposits | 92.1863% | 931 |
| Net loans and leases to core deposits | 125.4331% | 251 |
| Total domestic deposits to total assets | 87.2875% | 2,604 |
| Equity capital to assets | 11.4295% | 2,658 |
| Core capital (leverage) ratio | 11.5230% | 1,890 |
| Tier 1 risk-based capital ratio | 13.9270% | 4,499 |
| Total risk-based capital ratio | 15.1908% | 4,463 |
| Memoranda: | ||
| Average total assets | $1,129,655,670 | 583 |
| Average earning assets | $1,084,695,330 | 554 |
| Average equity | $124,192,000 | 579 |
| Average total loans | $930,111,000 | 447 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8652% | 2,369 |
| Cost of funding earning assets | 0.7460% | 3,892 |
| Net interest margin | 4.1191% | 2,031 |
| Noninterest income to average assets | 0.2136% | 6,093 |
| Noninterest expense to average assets | 1.9952% | 6,469 |
| Loan and lease loss provision to assets | 0.8474% | 552 |
| Net operating income to assets | 1.3050% | 1,446 |
| Return on assets (ROA) | 1.3050% | 1,615 |
| Pretax return on assets | 1.3226% | 2,451 |
| Return on Equity (ROE) | 12.1079% | 1,653 |
| Retained earnings to average equity (ytd only) | 10.1882% | 1,218 |
| Net charge-offs to loans | 2.8817% | 258 |
| Credit loss provision to net charge-offs | 35.7409% | 3,519 |
| Earnings coverage of net charge-offs (x) | 0.9153% | 3,870 |
| Efficiency ratio | 47.9020% | 6,813 |
| Assets per employee ($millions) | 9.5950% | 269 |
| Cash dividends to net income (ytd only)* | 15.8550% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2531% | 1,772 |
| Loan loss allowance to noncurrent loans | 51.9678% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 5.2126% | 978 |
| Noncurrent loans to loans | 4.3355% | 1,373 |
| Net loans and leases to total assets | 79.9244% | 410 |
| Net loans and leases to deposits | 90.8794% | 885 |
| Net loans and leases to core deposits | 125.3856% | 239 |
| Total domestic deposits to total assets | 87.9455% | 2,357 |
| Equity capital to assets | 10.8225% | 3,114 |
| Core capital (leverage) ratio | 11.1334% | 2,161 |
| Tier 1 risk-based capital ratio | 13.3205% | 4,954 |
| Total risk-based capital ratio | 14.5823% | 4,941 |
| Memoranda: | ||
| Average total assets | $1,132,904,500 | 583 |
| Average earning assets | $1,086,828,000 | 554 |
| Average equity | $122,102,500 | 588 |
| Average total loans | $932,086,500 | 449 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1221% | 2,363 |
| Cost of funding earning assets | 0.8732% | 4,301 |
| Net interest margin | 4.2489% | 1,886 |
| Noninterest income to average assets | -0.3274% | 7,216 |
| Noninterest expense to average assets | 1.9001% | 6,833 |
| Loan and lease loss provision to assets | 1.4228% | 537 |
| Net operating income to assets | 0.4072% | 4,829 |
| Return on assets (ROA) | 0.4072% | 5,012 |
| Pretax return on assets | 0.4137% | 5,247 |
| Return on Equity (ROE) | 3.5176% | 5,061 |
| Retained earnings to average equity (ytd only) | -2.0838% | 6,166 |
| Net charge-offs to loans | 1.9764% | 702 |
| Credit loss provision to net charge-offs | 83.3947% | 4,307 |
| Earnings coverage of net charge-offs (x) | 1.0765% | 4,979 |
| Efficiency ratio | 50.8511% | 6,786 |
| Assets per employee ($millions) | 9.4454% | 283 |
| Cash dividends to net income (ytd only)* | 159.2383% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7242% | 1,061 |
| Loan loss allowance to noncurrent loans | 58.5761% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 5.2518% | 992 |
| Noncurrent loans to loans | 4.6507% | 1,270 |
| Net loans and leases to total assets | 80.5342% | 439 |
| Net loans and leases to deposits | 91.4729% | 1,018 |
| Net loans and leases to core deposits | 131.1447% | 227 |
| Total domestic deposits to total assets | 88.0416% | 2,128 |
| Equity capital to assets | 10.7325% | 3,270 |
| Core capital (leverage) ratio | 10.9886% | 2,276 |
| Tier 1 risk-based capital ratio | 13.2334% | 4,886 |
| Total risk-based capital ratio | 14.5014% | 4,853 |
| Memoranda: | ||
| Average total assets | $1,083,291,400 | 599 |
| Average earning assets | $1,036,169,200 | 564 |
| Average equity | $125,398,400 | 551 |
| Average total loans | $935,135,200 | 448 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1604% | 2,343 |
| Cost of funding earning assets | 0.8908% | 4,463 |
| Net interest margin | 4.2696% | 1,828 |
| Noninterest income to average assets | 0.0371% | 6,992 |
| Noninterest expense to average assets | 1.8813% | 6,870 |
| Loan and lease loss provision to assets | 0.9598% | 915 |
| Net operating income to assets | 1.2689% | 1,455 |
| Return on assets (ROA) | 1.2689% | 1,563 |
| Pretax return on assets | 1.2753% | 2,379 |
| Return on Equity (ROE) | 10.7568% | 1,942 |
| Retained earnings to average equity (ytd only) | 4.0750% | 3,827 |
| Net charge-offs to loans | 1.8410% | 719 |
| Credit loss provision to net charge-offs | 59.7540% | 4,813 |
| Earnings coverage of net charge-offs (x) | 1.3915% | 4,583 |
| Efficiency ratio | 45.7034% | 7,077 |
| Assets per employee ($millions) | 9.5288% | 287 |
| Cash dividends to net income (ytd only)* | 62.1170% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5175% | 1,374 |
| Loan loss allowance to noncurrent loans | 57.8722% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 5.3752% | 1,048 |
| Noncurrent loans to loans | 4.3502% | 1,499 |
| Net loans and leases to total assets | 81.3286% | 409 |
| Net loans and leases to deposits | 93.3603% | 891 |
| Net loans and leases to core deposits | 138.9288% | 185 |
| Total domestic deposits to total assets | 87.1127% | 2,581 |
| Equity capital to assets | 11.6508% | 2,541 |
| Core capital (leverage) ratio | 11.8506% | 1,792 |
| Tier 1 risk-based capital ratio | 13.9102% | 4,413 |
| Total risk-based capital ratio | 15.1754% | 4,367 |
| Memoranda: | ||
| Average total assets | $1,073,114,000 | 618 |
| Average earning assets | $1,025,265,750 | 576 |
| Average equity | $126,589,750 | 554 |
| Average total loans | $936,280,250 | 450 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1594% | 2,422 |
| Cost of funding earning assets | 0.9029% | 4,638 |
| Net interest margin | 4.2565% | 1,816 |
| Noninterest income to average assets | 0.0681% | 6,966 |
| Noninterest expense to average assets | 1.9191% | 6,922 |
| Loan and lease loss provision to assets | 0.9036% | 993 |
| Net operating income to assets | 1.3071% | 1,294 |
| Return on assets (ROA) | 1.3071% | 1,371 |
| Pretax return on assets | 1.3108% | 2,105 |
| Return on Equity (ROE) | 11.0329% | 1,785 |
| Retained earnings to average equity (ytd only) | 2.7618% | 4,523 |
| Net charge-offs to loans | 2.3046% | 551 |
| Credit loss provision to net charge-offs | 44.2682% | 4,727 |
| Earnings coverage of net charge-offs (x) | 1.0848% | 4,469 |
| Efficiency ratio | 46.4271% | 7,138 |
| Assets per employee ($millions) | 9.4544% | 280 |
| Cash dividends to net income (ytd only)* | 74.9676% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4137% | 1,565 |
| Loan loss allowance to noncurrent loans | 54.3410% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 5.5894% | 1,049 |
| Noncurrent loans to loans | 4.4418% | 1,500 |
| Net loans and leases to total assets | 83.2052% | 292 |
| Net loans and leases to deposits | 95.4867% | 766 |
| Net loans and leases to core deposits | 142.1917% | 176 |
| Total domestic deposits to total assets | 87.1379% | 2,661 |
| Equity capital to assets | 11.6343% | 2,380 |
| Core capital (leverage) ratio | 11.9158% | 1,657 |
| Tier 1 risk-based capital ratio | 13.5889% | 4,458 |
| Total risk-based capital ratio | 14.8534% | 4,434 |
| Memoranda: | ||
| Average total assets | $1,062,373,670 | 633 |
| Average earning assets | $1,014,688,330 | 592 |
| Average equity | $125,859,670 | 555 |
| Average total loans | $940,983,670 | 454 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 2,300 |
| Cost of funding earning assets | 0.9082% | 4,860 |
| Net interest margin | 4.2725% | 1,659 |
| Noninterest income to average assets | 0.1532% | 6,625 |
| Noninterest expense to average assets | 1.7929% | 7,149 |
| Loan and lease loss provision to assets | 0.9143% | 873 |
| Net operating income to assets | 1.5285% | 826 |
| Return on assets (ROA) | 1.5285% | 868 |
| Pretax return on assets | 1.5285% | 1,366 |
| Return on Equity (ROE) | 12.7829% | 1,251 |
| Retained earnings to average equity (ytd only) | 5.6682% | 2,816 |
| Net charge-offs to loans | 0.3384% | 2,703 |
| Credit loss provision to net charge-offs | 299.2519% | 1,080 |
| Earnings coverage of net charge-offs (x) | 7.9950% | 1,872 |
| Efficiency ratio | 42.3278% | 7,337 |
| Assets per employee ($millions) | 9.0975% | 318 |
| Cash dividends to net income (ytd only)* | 55.6580% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1488% | 806 |
| Loan loss allowance to noncurrent loans | 46.7664% | 5,186 |
| Noncurrent assets plus other real estate owned to assets | 7.5078% | 671 |
| Noncurrent loans to loans | 6.7330% | 857 |
| Net loans and leases to total assets | 87.4889% | 91 |
| Net loans and leases to deposits | 100.1641% | 458 |
| Net loans and leases to core deposits | 150.2784% | 148 |
| Total domestic deposits to total assets | 87.3455% | 2,742 |
| Equity capital to assets | 11.9800% | 1,928 |
| Core capital (leverage) ratio | 12.0588% | 1,530 |
| Tier 1 risk-based capital ratio | 13.4116% | 4,491 |
| Total risk-based capital ratio | 14.6849% | 4,454 |
| Memoranda: | ||
| Average total assets | $1,049,935,000 | 645 |
| Average earning assets | $1,003,256,500 | 602 |
| Average equity | $125,542,500 | 555 |
| Average total loans | $947,963,000 | 460 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2187% | 3,515 |
| Cost of funding earning assets | 1.0782% | 5,271 |
| Net interest margin | 4.1406% | 2,410 |
| Noninterest income to average assets | 0.2107% | 6,297 |
| Noninterest expense to average assets | 1.7756% | 7,287 |
| Loan and lease loss provision to assets | 2.0516% | 634 |
| Net operating income to assets | 0.3322% | 4,819 |
| Return on assets (ROA) | 0.3322% | 4,978 |
| Pretax return on assets | 0.3528% | 5,073 |
| Return on Equity (ROE) | 2.7915% | 5,043 |
| Retained earnings to average equity (ytd only) | -0.7677% | 5,759 |
| Net charge-offs to loans | 1.2060% | 1,859 |
| Credit loss provision to net charge-offs | 191.3074% | 1,683 |
| Earnings coverage of net charge-offs (x) | 2.2421% | 4,043 |
| Efficiency ratio | 42.4782% | 7,452 |
| Assets per employee ($millions) | 8.9279% | 348 |
| Cash dividends to net income (ytd only)* | 127.5028% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0149% | 857 |
| Loan loss allowance to noncurrent loans | 45.4115% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 7.5440% | 686 |
| Noncurrent loans to loans | 6.6390% | 883 |
| Net loans and leases to total assets | 87.5212% | 111 |
| Net loans and leases to deposits | 99.8145% | 592 |
| Net loans and leases to core deposits | 143.1515% | 205 |
| Total domestic deposits to total assets | 87.6838% | 2,432 |
| Equity capital to assets | 11.9341% | 1,949 |
| Core capital (leverage) ratio | 11.8055% | 1,669 |
| Tier 1 risk-based capital ratio | 13.2742% | 4,396 |
| Total risk-based capital ratio | 14.5455% | 4,332 |
| Memoranda: | ||
| Average total assets | $1,070,588,400 | 625 |
| Average earning assets | $1,026,286,000 | 584 |
| Average equity | $127,385,800 | 535 |
| Average total loans | $951,981,000 | 471 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2206% | 3,738 |
| Cost of funding earning assets | 1.1087% | 5,376 |
| Net interest margin | 4.1119% | 2,571 |
| Noninterest income to average assets | 0.2817% | 5,857 |
| Noninterest expense to average assets | 1.7380% | 7,402 |
| Loan and lease loss provision to assets | 1.3227% | 1,047 |
| Net operating income to assets | 1.1434% | 1,749 |
| Return on assets (ROA) | 1.1434% | 1,858 |
| Pretax return on assets | 1.1672% | 2,611 |
| Return on Equity (ROE) | 9.6166% | 2,283 |
| Retained earnings to average equity (ytd only) | 5.6032% | 2,589 |
| Net charge-offs to loans | 1.0962% | 1,857 |
| Credit loss provision to net charge-offs | 136.1840% | 2,944 |
| Earnings coverage of net charge-offs (x) | 2.5636% | 3,877 |
| Efficiency ratio | 41.1079% | 7,554 |
| Assets per employee ($millions) | 9.0302% | 344 |
| Cash dividends to net income (ytd only)* | 41.7343% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2094% | 1,788 |
| Loan loss allowance to noncurrent loans | 37.8050% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 5.9914% | 994 |
| Noncurrent loans to loans | 5.8443% | 1,098 |
| Net loans and leases to total assets | 87.0308% | 139 |
| Net loans and leases to deposits | 99.9020% | 666 |
| Net loans and leases to core deposits | 147.4894% | 200 |
| Total domestic deposits to total assets | 87.1161% | 2,463 |
| Equity capital to assets | 12.3365% | 1,951 |
| Core capital (leverage) ratio | 12.2461% | 1,535 |
| Tier 1 risk-based capital ratio | 13.9235% | 3,899 |
| Total risk-based capital ratio | 15.1849% | 3,845 |
| Memoranda: | ||
| Average total assets | $1,077,094,750 | 616 |
| Average earning assets | $1,033,647,000 | 576 |
| Average equity | $128,067,500 | 520 |
| Average total loans | $954,318,000 | 467 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 4,049 |
| Cost of funding earning assets | 1.1320% | 5,505 |
| Net interest margin | 4.0474% | 2,803 |
| Noninterest income to average assets | 0.3129% | 5,661 |
| Noninterest expense to average assets | 1.7231% | 7,485 |
| Loan and lease loss provision to assets | 1.1827% | 1,189 |
| Net operating income to assets | 1.2678% | 1,385 |
| Return on assets (ROA) | 1.2678% | 1,452 |
| Pretax return on assets | 1.2895% | 2,124 |
| Return on Equity (ROE) | 10.7941% | 1,820 |
| Retained earnings to average equity (ytd only) | 7.4464% | 1,656 |
| Net charge-offs to loans | 1.3345% | 1,421 |
| Credit loss provision to net charge-offs | 100.1719% | 4,060 |
| Earnings coverage of net charge-offs (x) | 2.0939% | 3,978 |
| Efficiency ratio | 41.0722% | 7,623 |
| Assets per employee ($millions) | 9.1339% | 330 |
| Cash dividends to net income (ytd only)* | 31.0144% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9006% | 2,410 |
| Loan loss allowance to noncurrent loans | 43.5713% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 4.7104% | 1,373 |
| Noncurrent loans to loans | 4.3621% | 1,689 |
| Net loans and leases to total assets | 84.5130% | 319 |
| Net loans and leases to deposits | 96.5080% | 1,003 |
| Net loans and leases to core deposits | 146.7795% | 231 |
| Total domestic deposits to total assets | 87.5709% | 2,221 |
| Equity capital to assets | 11.8270% | 2,198 |
| Core capital (leverage) ratio | 12.2310% | 1,526 |
| Tier 1 risk-based capital ratio | 13.6037% | 4,003 |
| Total risk-based capital ratio | 14.8611% | 3,959 |
| Memoranda: | ||
| Average total assets | $1,083,946,670 | 609 |
| Average earning assets | $1,039,788,670 | 571 |
| Average equity | $127,310,000 | 517 |
| Average total loans | $958,994,330 | 467 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 4,128 |
| Cost of funding earning assets | 1.1650% | 5,575 |
| Net interest margin | 4.0155% | 2,808 |
| Noninterest income to average assets | 0.2048% | 6,500 |
| Noninterest expense to average assets | 1.6811% | 7,590 |
| Loan and lease loss provision to assets | 1.1133% | 1,102 |
| Net operating income to assets | 1.2491% | 1,404 |
| Return on assets (ROA) | 1.2491% | 1,478 |
| Pretax return on assets | 1.2658% | 2,153 |
| Return on Equity (ROE) | 10.6731% | 1,881 |
| Retained earnings to average equity (ytd only) | 8.8974% | 1,426 |
| Net charge-offs to loans | 1.2972% | 1,319 |
| Credit loss provision to net charge-offs | 95.7243% | 3,531 |
| Earnings coverage of net charge-offs (x) | 2.0456% | 3,519 |
| Efficiency ratio | 41.4039% | 7,694 |
| Assets per employee ($millions) | 8.9723% | 359 |
| Cash dividends to net income (ytd only)* | 16.6370% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8555% | 2,558 |
| Loan loss allowance to noncurrent loans | 41.0307% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 4.8480% | 1,350 |
| Noncurrent loans to loans | 4.5222% | 1,653 |
| Net loans and leases to total assets | 88.1911% | 115 |
| Net loans and leases to deposits | 100.7369% | 712 |
| Net loans and leases to core deposits | 169.4202% | 156 |
| Total domestic deposits to total assets | 87.5460% | 2,335 |
| Equity capital to assets | 11.9572% | 2,061 |
| Core capital (leverage) ratio | 11.9986% | 1,652 |
| Tier 1 risk-based capital ratio | 13.2296% | 4,186 |
| Total risk-based capital ratio | 14.4865% | 4,128 |
| Memoranda: | ||
| Average total assets | $1,077,887,000 | 626 |
| Average earning assets | $1,034,886,000 | 593 |
| Average equity | $126,149,000 | 528 |
| Average total loans | $966,359,000 | 485 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 5,471 |
| Cost of funding earning assets | 1.4530% | 5,710 |
| Net interest margin | 3.7853% | 3,773 |
| Noninterest income to average assets | 0.2603% | 6,252 |
| Noninterest expense to average assets | 1.7225% | 7,679 |
| Loan and lease loss provision to assets | 1.3589% | 1,697 |
| Net operating income to assets | 0.8276% | 2,423 |
| Return on assets (ROA) | 0.7549% | 2,792 |
| Pretax return on assets | 0.7718% | 3,335 |
| Return on Equity (ROE) | 6.3390% | 3,059 |
| Retained earnings to average equity (ytd only) | 0.6412% | 4,545 |
| Net charge-offs to loans | 1.1294% | 2,169 |
| Credit loss provision to net charge-offs | 130.5495% | 3,901 |
| Earnings coverage of net charge-offs (x) | 2.1183% | 4,142 |
| Efficiency ratio | 43.8571% | 7,779 |
| Assets per employee ($millions) | 9.0672% | 347 |
| Cash dividends to net income (ytd only)* | 89.8851% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 2,424 |
| Loan loss allowance to noncurrent loans | 35.7954% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 5.2967% | 1,117 |
| Noncurrent loans to loans | 5.1482% | 1,293 |
| Net loans and leases to total assets | 87.8032% | 182 |
| Net loans and leases to deposits | 99.7708% | 927 |
| Net loans and leases to core deposits | 124.8069% | 1,586 |
| Total domestic deposits to total assets | 88.0049% | 1,974 |
| Equity capital to assets | 11.4543% | 2,351 |
| Core capital (leverage) ratio | 11.4996% | 1,915 |
| Tier 1 risk-based capital ratio | 12.7965% | 4,288 |
| Total risk-based capital ratio | 14.0533% | 4,232 |
| Memoranda: | ||
| Average total assets | $1,049,054,000 | 639 |
| Average earning assets | $1,016,315,200 | 598 |
| Average equity | $124,925,200 | 532 |
| Average total loans | $966,885,800 | 490 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1840% | 5,948 |
| Cost of funding earning assets | 1.5036% | 5,807 |
| Net interest margin | 3.6804% | 4,162 |
| Noninterest income to average assets | 0.2679% | 6,322 |
| Noninterest expense to average assets | 1.7212% | 7,736 |
| Loan and lease loss provision to assets | 0.9052% | 2,124 |
| Net operating income to assets | 1.1919% | 1,485 |
| Return on assets (ROA) | 1.0939% | 1,812 |
| Pretax return on assets | 1.1153% | 2,516 |
| Return on Equity (ROE) | 9.0953% | 2,226 |
| Retained earnings to average equity (ytd only) | 2.2282% | 4,083 |
| Net charge-offs to loans | 0.4305% | 3,531 |
| Credit loss provision to net charge-offs | 226.3715% | 1,927 |
| Earnings coverage of net charge-offs (x) | 5.3029% | 2,868 |
| Efficiency ratio | 44.8040% | 7,811 |
| Assets per employee ($millions) | 8.8900% | 379 |
| Cash dividends to net income (ytd only)* | 75.5014% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 2,030 |
| Loan loss allowance to noncurrent loans | 41.6882% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 5.1240% | 1,140 |
| Noncurrent loans to loans | 4.5596% | 1,521 |
| Net loans and leases to total assets | 88.2218% | 195 |
| Net loans and leases to deposits | 100.5196% | 1,061 |
| Net loans and leases to core deposits | 127.6479% | 1,609 |
| Total domestic deposits to total assets | 87.7657% | 1,768 |
| Equity capital to assets | 11.5612% | 2,541 |
| Core capital (leverage) ratio | 11.8527% | 1,865 |
| Tier 1 risk-based capital ratio | 12.9114% | 4,259 |
| Total risk-based capital ratio | 14.1690% | 4,185 |
| Memoranda: | ||
| Average total assets | $1,039,301,250 | 661 |
| Average earning assets | $1,009,213,000 | 608 |
| Average equity | $124,999,000 | 544 |
| Average total loans | $965,284,250 | 508 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1798% | 6,148 |
| Cost of funding earning assets | 1.5525% | 5,913 |
| Net interest margin | 3.6273% | 4,257 |
| Noninterest income to average assets | 0.2742% | 6,310 |
| Noninterest expense to average assets | 1.6540% | 7,876 |
| Loan and lease loss provision to assets | 0.8213% | 2,041 |
| Net operating income to assets | 1.3013% | 1,226 |
| Return on assets (ROA) | 1.3013% | 1,306 |
| Pretax return on assets | 1.3292% | 1,939 |
| Return on Equity (ROE) | 10.6736% | 1,798 |
| Retained earnings to average equity (ytd only) | 3.1553% | 3,562 |
| Net charge-offs to loans | 0.0183% | 6,266 |
| Credit loss provision to net charge-offs | 4,779.5455% | 103 |
| Earnings coverage of net charge-offs (x) | 125.1477% | 313 |
| Efficiency ratio | 43.4738% | 7,938 |
| Assets per employee ($millions) | 8.8148% | 375 |
| Cash dividends to net income (ytd only)* | 70.4382% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 1,740 |
| Loan loss allowance to noncurrent loans | 33.1497% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 5.2506% | 974 |
| Noncurrent loans to loans | 5.7937% | 966 |
| Net loans and leases to total assets | 88.8853% | 193 |
| Net loans and leases to deposits | 101.3407% | 1,135 |
| Net loans and leases to core deposits | 129.3665% | 1,621 |
| Total domestic deposits to total assets | 87.7094% | 1,924 |
| Equity capital to assets | 11.6430% | 2,433 |
| Core capital (leverage) ratio | 12.3830% | 1,658 |
| Tier 1 risk-based capital ratio | 13.0102% | 4,142 |
| Total risk-based capital ratio | 14.2681% | 4,056 |
| Memoranda: | ||
| Average total assets | $1,024,206,670 | 681 |
| Average earning assets | $996,832,000 | 626 |
| Average equity | $124,868,330 | 551 |
| Average total loans | $961,919,000 | 529 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2651% | 6,049 |
| Cost of funding earning assets | 1.6481% | 5,823 |
| Net interest margin | 3.6170% | 4,249 |
| Noninterest income to average assets | 0.2660% | 6,315 |
| Noninterest expense to average assets | 1.6499% | 7,869 |
| Loan and lease loss provision to assets | 0.4831% | 2,546 |
| Net operating income to assets | 1.6227% | 757 |
| Return on assets (ROA) | 1.6227% | 832 |
| Pretax return on assets | 1.6503% | 1,290 |
| Return on Equity (ROE) | 12.9946% | 1,388 |
| Retained earnings to average equity (ytd only) | 9.0908% | 1,447 |
| Net charge-offs to loans | 0.0013% | 5,719 |
| Credit loss provision to net charge-offs | 40,200.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,775.3333% | 5 |
| Efficiency ratio | 43.6104% | 7,945 |
| Assets per employee ($millions) | 8.1691% | 472 |
| Cash dividends to net income (ytd only)* | 30.0420% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6343% | 2,386 |
| Loan loss allowance to noncurrent loans | 49.5268% | 5,216 |
| Noncurrent assets plus other real estate owned to assets | 3.1756% | 1,756 |
| Noncurrent loans to loans | 3.2998% | 1,941 |
| Net loans and leases to total assets | 94.6632% | 18 |
| Net loans and leases to deposits | 109.1579% | 658 |
| Net loans and leases to core deposits | 141.6464% | 1,033 |
| Total domestic deposits to total assets | 86.7214% | 2,352 |
| Equity capital to assets | 12.5486% | 1,946 |
| Core capital (leverage) ratio | 13.0404% | 1,472 |
| Tier 1 risk-based capital ratio | 13.1342% | 4,098 |
| Total risk-based capital ratio | 14.3885% | 4,008 |
| Memoranda: | ||
| Average total assets | $998,605,500 | 688 |
| Average earning assets | $971,072,500 | 650 |
| Average equity | $124,697,500 | 549 |
| Average total loans | $955,579,000 | 536 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2500% | 4,241 |
| Cost of funding earning assets | 2.4297% | 4,572 |
| Net interest margin | 3.8203% | 3,937 |
| Noninterest income to average assets | 0.3067% | 6,254 |
| Noninterest expense to average assets | 1.6404% | 7,927 |
| Loan and lease loss provision to assets | 1.1264% | 1,289 |
| Net operating income to assets | 1.1697% | 1,877 |
| Return on assets (ROA) | 1.1697% | 1,804 |
| Pretax return on assets | 1.1934% | 2,668 |
| Return on Equity (ROE) | 8.6722% | 2,765 |
| Retained earnings to average equity (ytd only) | 1.0110% | 4,620 |
| Net charge-offs to loans | 0.7810% | 1,595 |
| Credit loss provision to net charge-offs | 152.6073% | 3,431 |
| Earnings coverage of net charge-offs (x) | 3.1429% | 4,513 |
| Efficiency ratio | 41.4210% | 8,091 |
| Assets per employee ($millions) | 7.6931% | 516 |
| Cash dividends to net income (ytd only)* | 88.3420% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 2,468 |
| Loan loss allowance to noncurrent loans | 48.1689% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 3.0542% | 1,499 |
| Noncurrent loans to loans | 3.2102% | 1,636 |
| Net loans and leases to total assets | 93.6688% | 37 |
| Net loans and leases to deposits | 107.8041% | 988 |
| Net loans and leases to core deposits | 142.9626% | 1,134 |
| Total domestic deposits to total assets | 86.8880% | 1,990 |
| Equity capital to assets | 12.4249% | 2,051 |
| Core capital (leverage) ratio | 12.7965% | 1,624 |
| Tier 1 risk-based capital ratio | 13.0838% | 4,065 |
| Total risk-based capital ratio | 14.3370% | 3,972 |
| Memoranda: | ||
| Average total assets | $937,905,600 | 710 |
| Average earning assets | $896,939,800 | 667 |
| Average equity | $126,507,200 | 540 |
| Average total loans | $886,463,800 | 555 |