Home > Merchants Bank of Indiana > Performance and Condition Ratios
Merchants Bank of Indiana, 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 | 7.3636% | 174 |
| Cost of funding earning assets | 4.2924% | 37 |
| Net interest margin | 3.0712% | 3,152 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 1.1256% | 4,480 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.8411% | 576 |
| Return on assets (ROA) | 1.8413% | 559 |
| Pretax return on assets | 2.2927% | 439 |
| Return on Equity (ROE) | 18.2600% | 787 |
| Retained earnings to average equity (ytd only) | 14.7371% | 342 |
| Net charge-offs to loans | 0.0788% | 1,076 |
| Credit loss provision to net charge-offs | 386.2767% | 802 |
| Earnings coverage of net charge-offs (x) | 39.3405% | 1,458 |
| Efficiency ratio | 30.4840% | 4,490 |
| Assets per employee ($millions) | 28.5840% | 55 |
| Cash dividends to net income (ytd only)* | 19.2721% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5361% | 4,311 |
| Loan loss allowance to noncurrent loans | 87.3565% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4903% | 1,146 |
| Noncurrent loans to loans | 0.6137% | 1,288 |
| Net loans and leases to total assets | 79.3600% | 721 |
| Net loans and leases to deposits | 95.1856% | 853 |
| Net loans and leases to core deposits | 175.4486% | 110 |
| Total domestic deposits to total assets | 83.3800% | 2,787 |
| Equity capital to assets | 9.8936% | 2,070 |
| Core capital (leverage) ratio | 10.0539% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4790% | 2,726 |
| Memoranda: | ||
| Average total assets | $14,937,375,600 | 124 |
| Average earning assets | $14,422,858,000 | 115 |
| Average equity | $1,506,631,400 | 119 |
| Average total loans | $12,350,930,200 | 100 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1763% | 175 |
| Cost of funding earning assets | 4.1324% | 40 |
| Net interest margin | 3.0439% | 3,248 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 1.0768% | 4,511 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 1.8259% | 636 |
| Return on assets (ROA) | 1.8261% | 629 |
| Pretax return on assets | 2.2468% | 525 |
| Return on Equity (ROE) | 18.0100% | 951 |
| Retained earnings to average equity (ytd only) | 14.3032% | 637 |
| Net charge-offs to loans | 0.1044% | 759 |
| Credit loss provision to net charge-offs | 341.2391% | 814 |
| Earnings coverage of net charge-offs (x) | 29.2930% | 1,603 |
| Efficiency ratio | 29.6138% | 4,521 |
| Assets per employee ($millions) | 28.4180% | 54 |
| Cash dividends to net income (ytd only)* | 20.5659% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4844% | 4,358 |
| Loan loss allowance to noncurrent loans | 98.8415% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 1,400 |
| Noncurrent loans to loans | 0.4901% | 1,596 |
| Net loans and leases to total assets | 84.1200% | 271 |
| Net loans and leases to deposits | 106.2193% | 287 |
| Net loans and leases to core deposits | 168.6827% | 74 |
| Total domestic deposits to total assets | 79.1900% | 3,656 |
| Equity capital to assets | 9.8681% | 1,902 |
| Core capital (leverage) ratio | 10.1264% | 2,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4834% | 2,731 |
| Memoranda: | ||
| Average total assets | $14,512,751,500 | 125 |
| Average earning assets | $14,027,381,000 | 120 |
| Average equity | $1,471,818,500 | 124 |
| Average total loans | $12,120,191,000 | 103 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8516% | 192 |
| Cost of funding earning assets | 3.8302% | 30 |
| Net interest margin | 3.0214% | 3,372 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 1.0853% | 4,544 |
| Loan and lease loss provision to assets | 0.4200% | 195 |
| Net operating income to assets | 1.6961% | 790 |
| Return on assets (ROA) | 1.6962% | 791 |
| Pretax return on assets | 1.9982% | 752 |
| Return on Equity (ROE) | 16.5500% | 1,175 |
| Retained earnings to average equity (ytd only) | 12.5331% | 880 |
| Net charge-offs to loans | 0.1641% | 479 |
| Credit loss provision to net charge-offs | 299.0233% | 868 |
| Earnings coverage of net charge-offs (x) | 17.7379% | 1,787 |
| Efficiency ratio | 30.9206% | 4,537 |
| Assets per employee ($millions) | 28.1588% | 50 |
| Cash dividends to net income (ytd only)* | 24.2844% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4778% | 4,397 |
| Loan loss allowance to noncurrent loans | 91.6425% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 1,219 |
| Noncurrent loans to loans | 0.5214% | 1,419 |
| Net loans and leases to total assets | 83.2800% | 315 |
| Net loans and leases to deposits | 100.6879% | 486 |
| Net loans and leases to core deposits | 165.6761% | 88 |
| Total domestic deposits to total assets | 82.7100% | 3,104 |
| Equity capital to assets | 9.5759% | 2,109 |
| Core capital (leverage) ratio | 10.3613% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0887% | 2,834 |
| Memoranda: | ||
| Average total assets | $13,960,381,000 | 125 |
| Average earning assets | $13,494,707,667 | 118 |
| Average equity | $1,430,537,333 | 122 |
| Average total loans | $11,604,204,000 | 108 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5353% | 176 |
| Cost of funding earning assets | 3.4201% | 7 |
| Net interest margin | 3.1152% | 3,316 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 1.0086% | 4,621 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 1.6337% | 929 |
| Return on assets (ROA) | 1.6337% | 926 |
| Pretax return on assets | 2.1797% | 589 |
| Return on Equity (ROE) | 15.3500% | 1,487 |
| Retained earnings to average equity (ytd only) | 15.3483% | 751 |
| Net charge-offs to loans | -0.0003% | 3,260 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 29.6458% | 4,607 |
| Assets per employee ($millions) | 26.1329% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4463% | 4,476 |
| Loan loss allowance to noncurrent loans | 80.3086% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.4560% | 1,118 |
| Noncurrent loans to loans | 0.5557% | 1,332 |
| Net loans and leases to total assets | 81.6900% | 399 |
| Net loans and leases to deposits | 102.1155% | 356 |
| Net loans and leases to core deposits | 157.6385% | 98 |
| Total domestic deposits to total assets | 80.0000% | 3,760 |
| Equity capital to assets | 10.2362% | 1,705 |
| Core capital (leverage) ratio | 11.3242% | 1,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0648% | 2,707 |
| Memoranda: | ||
| Average total assets | $13,154,665,000 | 135 |
| Average earning assets | $12,726,212,000 | 123 |
| Average equity | $1,400,237,500 | 126 |
| Average total loans | $10,891,284,000 | 117 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3947% | 890 |
| Cost of funding earning assets | 1.4600% | 30 |
| Net interest margin | 2.9347% | 3,603 |
| Noninterest income to average assets | 1.1000% | 545 |
| Noninterest expense to average assets | 1.1772% | 4,614 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.9660% | 320 |
| Return on assets (ROA) | 1.9660% | 306 |
| Pretax return on assets | 2.6053% | 186 |
| Return on Equity (ROE) | 17.8100% | 731 |
| Retained earnings to average equity (ytd only) | 14.5476% | 328 |
| Net charge-offs to loans | -0.0048% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 29.8163% | 4,655 |
| Assets per employee ($millions) | 23.5322% | 73 |
| Cash dividends to net income (ytd only)* | 18.3087% | 2,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4192% | 4,489 |
| Loan loss allowance to noncurrent loans | 164.8962% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 2,094 |
| Noncurrent loans to loans | 0.2542% | 2,247 |
| Net loans and leases to total assets | 83.2800% | 308 |
| Net loans and leases to deposits | 103.6588% | 314 |
| Net loans and leases to core deposits | 145.4720% | 110 |
| Total domestic deposits to total assets | 80.3400% | 3,828 |
| Equity capital to assets | 11.1055% | 1,216 |
| Core capital (leverage) ratio | 11.2649% | 1,640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7045% | 2,813 |
| Memoranda: | ||
| Average total assets | $11,050,034,600 | 153 |
| Average earning assets | $10,704,469,600 | 145 |
| Average equity | $1,219,929,600 | 146 |
| Average total loans | $9,564,366,200 | 128 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 1,916 |
| Cost of funding earning assets | 0.9223% | 93 |
| Net interest margin | 2.8202% | 3,689 |
| Noninterest income to average assets | 1.2400% | 480 |
| Noninterest expense to average assets | 1.1735% | 4,639 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 2.0032% | 283 |
| Return on assets (ROA) | 2.0032% | 285 |
| Pretax return on assets | 2.6653% | 180 |
| Return on Equity (ROE) | 18.1800% | 621 |
| Retained earnings to average equity (ytd only) | 15.1004% | 356 |
| Net charge-offs to loans | -0.0065% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 29.4566% | 4,694 |
| Assets per employee ($millions) | 23.1477% | 76 |
| Cash dividends to net income (ytd only)* | 16.9188% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3927% | 4,545 |
| Loan loss allowance to noncurrent loans | 146.0078% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 2,113 |
| Noncurrent loans to loans | 0.2690% | 2,298 |
| Net loans and leases to total assets | 82.7600% | 335 |
| Net loans and leases to deposits | 95.3470% | 583 |
| Net loans and leases to core deposits | 123.7457% | 197 |
| Total domestic deposits to total assets | 86.8000% | 2,830 |
| Equity capital to assets | 11.3267% | 1,062 |
| Core capital (leverage) ratio | 11.8915% | 1,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0270% | 2,807 |
| Memoranda: | ||
| Average total assets | $10,723,948,250 | 156 |
| Average earning assets | $10,399,008,000 | 149 |
| Average equity | $1,181,908,000 | 153 |
| Average total loans | $9,372,538,000 | 129 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1831% | 3,098 |
| Cost of funding earning assets | 0.4900% | 545 |
| Net interest margin | 2.6931% | 3,711 |
| Noninterest income to average assets | 1.3761% | 382 |
| Noninterest expense to average assets | 1.1754% | 4,653 |
| Loan and lease loss provision to assets | 0.1683% | 547 |
| Net operating income to assets | 1.9834% | 236 |
| Return on assets (ROA) | 1.9834% | 238 |
| Pretax return on assets | 2.6470% | 141 |
| Return on Equity (ROE) | 18.1858% | 454 |
| Retained earnings to average equity (ytd only) | 14.9197% | 272 |
| Net charge-offs to loans | -0.0139% | 3,728 |
| Credit loss provision to net charge-offs | -1,066.7707% | 3,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4013% | 4,721 |
| Assets per employee ($millions) | 21.8675% | 84 |
| Cash dividends to net income (ytd only)* | 17.9595% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3677% | 4,627 |
| Loan loss allowance to noncurrent loans | 902.3439% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,607 |
| Noncurrent loans to loans | 0.0407% | 3,642 |
| Net loans and leases to total assets | 91.5483% | 14 |
| Net loans and leases to deposits | 121.9925% | 39 |
| Net loans and leases to core deposits | 147.0893% | 59 |
| Total domestic deposits to total assets | 75.0442% | 4,505 |
| Equity capital to assets | 10.8411% | 1,288 |
| Core capital (leverage) ratio | 12.2981% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,394,350,333 | 155 |
| Average earning assets | $10,091,538,333 | 148 |
| Average equity | $1,133,655,333 | 157 |
| Average total loans | $9,252,924,667 | 128 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9845% | 3,302 |
| Cost of funding earning assets | 0.3613% | 1,122 |
| Net interest margin | 2.6232% | 3,605 |
| Noninterest income to average assets | 1.3327% | 414 |
| Noninterest expense to average assets | 1.1638% | 4,676 |
| Loan and lease loss provision to assets | 0.0965% | 858 |
| Net operating income to assets | 1.9666% | 238 |
| Return on assets (ROA) | 1.9666% | 241 |
| Pretax return on assets | 2.6220% | 149 |
| Return on Equity (ROE) | 17.9744% | 347 |
| Retained earnings to average equity (ytd only) | 14.6501% | 318 |
| Net charge-offs to loans | 0.0004% | 1,833 |
| Credit loss provision to net charge-offs | 22,133.3333% | 17 |
| Earnings coverage of net charge-offs (x) | 7,686.7778% | 4 |
| Efficiency ratio | 29.9217% | 4,743 |
| Assets per employee ($millions) | 19.9668% | 102 |
| Cash dividends to net income (ytd only)* | 18.4946% | 2,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3704% | 4,657 |
| Loan loss allowance to noncurrent loans | 766.7407% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 3,552 |
| Noncurrent loans to loans | 0.0483% | 3,630 |
| Net loans and leases to total assets | 89.2507% | 20 |
| Net loans and leases to deposits | 114.7571% | 45 |
| Net loans and leases to core deposits | 122.2276% | 136 |
| Total domestic deposits to total assets | 77.7736% | 4,419 |
| Equity capital to assets | 12.0717% | 932 |
| Core capital (leverage) ratio | 11.1569% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,179,319,500 | 157 |
| Average earning assets | $9,893,661,000 | 150 |
| Average equity | $1,113,738,000 | 161 |
| Average total loans | $8,906,318,000 | 132 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1086% | 3,670 |
| Cost of funding earning assets | 0.2965% | 2,438 |
| Net interest margin | 2.8121% | 3,631 |
| Noninterest income to average assets | 1.5464% | 472 |
| Noninterest expense to average assets | 1.1995% | 4,712 |
| Loan and lease loss provision to assets | 0.0482% | 2,095 |
| Net operating income to assets | 2.2574% | 220 |
| Return on assets (ROA) | 2.2574% | 232 |
| Pretax return on assets | 3.0316% | 144 |
| Return on Equity (ROE) | 23.1971% | 166 |
| Retained earnings to average equity (ytd only) | 19.7705% | 65 |
| Net charge-offs to loans | 0.0231% | 1,788 |
| Credit loss provision to net charge-offs | 233.2529% | 1,216 |
| Earnings coverage of net charge-offs (x) | 149.0927% | 660 |
| Efficiency ratio | 27.9791% | 4,801 |
| Assets per employee ($millions) | 24.3774% | 70 |
| Cash dividends to net income (ytd only)* | 14.7715% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3137% | 4,719 |
| Loan loss allowance to noncurrent loans | 4,760.0644% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0056% | 4,116 |
| Noncurrent loans to loans | 0.0066% | 4,059 |
| Net loans and leases to total assets | 85.4466% | 75 |
| Net loans and leases to deposits | 106.8123% | 102 |
| Net loans and leases to core deposits | 150.1467% | 52 |
| Total domestic deposits to total assets | 79.9970% | 4,224 |
| Equity capital to assets | 9.9782% | 2,674 |
| Core capital (leverage) ratio | 10.2679% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $10,030,469,000 | 160 |
| Average earning assets | $9,747,751,600 | 155 |
| Average equity | $976,115,200 | 175 |
| Average total loans | $8,970,098,400 | 132 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1251% | 3,753 |
| Cost of funding earning assets | 0.2849% | 2,747 |
| Net interest margin | 2.8402% | 3,685 |
| Noninterest income to average assets | 1.5750% | 501 |
| Noninterest expense to average assets | 1.1427% | 4,806 |
| Loan and lease loss provision to assets | 0.0326% | 2,343 |
| Net operating income to assets | 2.3377% | 263 |
| Return on assets (ROA) | 2.3377% | 271 |
| Pretax return on assets | 3.1575% | 153 |
| Return on Equity (ROE) | 24.1942% | 200 |
| Retained earnings to average equity (ytd only) | 22.0618% | 85 |
| Net charge-offs to loans | 0.0118% | 1,891 |
| Credit loss provision to net charge-offs | 304.9745% | 993 |
| Earnings coverage of net charge-offs (x) | 298.7538% | 438 |
| Efficiency ratio | 26.3219% | 4,881 |
| Assets per employee ($millions) | 24.3155% | 72 |
| Cash dividends to net income (ytd only)* | 8.8137% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3046% | 4,813 |
| Loan loss allowance to noncurrent loans | 1,448.5467% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,081 |
| Noncurrent loans to loans | 0.0210% | 4,044 |
| Net loans and leases to total assets | 87.0931% | 50 |
| Net loans and leases to deposits | 106.1548% | 133 |
| Net loans and leases to core deposits | 133.6924% | 103 |
| Total domestic deposits to total assets | 82.0435% | 3,922 |
| Equity capital to assets | 9.9493% | 2,949 |
| Core capital (leverage) ratio | 10.6384% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,789,536,500 | 161 |
| Average earning assets | $9,505,075,250 | 155 |
| Average equity | $945,887,250 | 177 |
| Average total loans | $8,856,691,000 | 132 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2049% | 3,671 |
| Cost of funding earning assets | 0.2858% | 2,911 |
| Net interest margin | 2.9190% | 3,535 |
| Noninterest income to average assets | 1.5986% | 488 |
| Noninterest expense to average assets | 1.1721% | 4,831 |
| Loan and lease loss provision to assets | 0.0299% | 2,378 |
| Net operating income to assets | 2.3846% | 253 |
| Return on assets (ROA) | 2.3846% | 273 |
| Pretax return on assets | 3.2292% | 146 |
| Return on Equity (ROE) | 24.9574% | 192 |
| Retained earnings to average equity (ytd only) | 23.4562% | 85 |
| Net charge-offs to loans | 0.0033% | 2,061 |
| Credit loss provision to net charge-offs | 999.2958% | 478 |
| Earnings coverage of net charge-offs (x) | 1,089.5563% | 116 |
| Efficiency ratio | 26.3992% | 4,916 |
| Assets per employee ($millions) | 23.6440% | 75 |
| Cash dividends to net income (ytd only)* | 6.0149% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3241% | 4,837 |
| Loan loss allowance to noncurrent loans | 1,175.7119% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,095 |
| Noncurrent loans to loans | 0.0276% | 4,072 |
| Net loans and leases to total assets | 89.7368% | 19 |
| Net loans and leases to deposits | 109.9251% | 113 |
| Net loans and leases to core deposits | 124.8730% | 168 |
| Total domestic deposits to total assets | 81.6345% | 3,986 |
| Equity capital to assets | 10.4911% | 2,401 |
| Core capital (leverage) ratio | 10.8231% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,494,543,000 | 165 |
| Average earning assets | $9,213,131,000 | 158 |
| Average equity | $907,170,333 | 180 |
| Average total loans | $8,700,530,667 | 133 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3840% | 3,248 |
| Cost of funding earning assets | 0.2788% | 3,198 |
| Net interest margin | 3.1053% | 2,969 |
| Noninterest income to average assets | 1.8425% | 423 |
| Noninterest expense to average assets | 1.2221% | 4,853 |
| Loan and lease loss provision to assets | 0.0704% | 1,752 |
| Net operating income to assets | 2.6250% | 215 |
| Return on assets (ROA) | 2.6250% | 239 |
| Pretax return on assets | 3.5642% | 138 |
| Return on Equity (ROE) | 28.9192% | 161 |
| Retained earnings to average equity (ytd only) | 25.7373% | 121 |
| Net charge-offs to loans | 0.0030% | 1,816 |
| Credit loss provision to net charge-offs | 2,513.6364% | 205 |
| Earnings coverage of net charge-offs (x) | 1,298.2879% | 65 |
| Efficiency ratio | 25.1148% | 4,937 |
| Assets per employee ($millions) | 24.2316% | 71 |
| Cash dividends to net income (ytd only)* | 11.0027% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3265% | 4,862 |
| Loan loss allowance to noncurrent loans | 722.4427% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.0416% | 4,078 |
| Noncurrent loans to loans | 0.0452% | 4,064 |
| Net loans and leases to total assets | 91.7153% | 13 |
| Net loans and leases to deposits | 109.4021% | 139 |
| Net loans and leases to core deposits | 123.2977% | 215 |
| Total domestic deposits to total assets | 83.8332% | 3,489 |
| Equity capital to assets | 9.7575% | 2,940 |
| Core capital (leverage) ratio | 9.5093% | 3,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $9,430,255,500 | 166 |
| Average earning assets | $9,153,456,000 | 156 |
| Average equity | $855,971,500 | 185 |
| Average total loans | $8,719,017,000 | 133 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3819% | 4,219 |
| Cost of funding earning assets | 0.6522% | 1,979 |
| Net interest margin | 2.7297% | 4,346 |
| Noninterest income to average assets | 1.5032% | 536 |
| Noninterest expense to average assets | 1.0636% | 4,920 |
| Loan and lease loss provision to assets | 0.1367% | 2,652 |
| Net operating income to assets | 2.1926% | 185 |
| Return on assets (ROA) | 2.1926% | 196 |
| Pretax return on assets | 2.9570% | 127 |
| Return on Equity (ROE) | 26.1678% | 96 |
| Retained earnings to average equity (ytd only) | 21.9169% | 53 |
| Net charge-offs to loans | 0.0002% | 3,441 |
| Credit loss provision to net charge-offs | 95,191.6667% | 8 |
| Earnings coverage of net charge-offs (x) | 21,549.3333% | 3 |
| Efficiency ratio | 25.2635% | 4,975 |
| Assets per employee ($millions) | 25.2283% | 60 |
| Cash dividends to net income (ytd only)* | 16.2447% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3065% | 4,899 |
| Loan loss allowance to noncurrent loans | 483.5619% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,046 |
| Noncurrent loans to loans | 0.0634% | 4,038 |
| Net loans and leases to total assets | 92.6172% | 9 |
| Net loans and leases to deposits | 120.7430% | 72 |
| Net loans and leases to core deposits | 141.3923% | 112 |
| Total domestic deposits to total assets | 76.7060% | 4,446 |
| Equity capital to assets | 8.3933% | 4,520 |
| Core capital (leverage) ratio | 8.7030% | 4,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,358,862,400 | 170 |
| Average earning assets | $8,127,163,200 | 162 |
| Average equity | $700,396,400 | 202 |
| Average total loans | $7,410,825,400 | 143 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3691% | 4,389 |
| Cost of funding earning assets | 0.7702% | 1,635 |
| Net interest margin | 2.5989% | 4,572 |
| Noninterest income to average assets | 1.3713% | 587 |
| Noninterest expense to average assets | 1.0444% | 4,964 |
| Loan and lease loss provision to assets | 0.1244% | 2,781 |
| Net operating income to assets | 2.0213% | 283 |
| Return on assets (ROA) | 2.0213% | 310 |
| Pretax return on assets | 2.7296% | 151 |
| Return on Equity (ROE) | 24.1349% | 134 |
| Retained earnings to average equity (ytd only) | 19.7394% | 81 |
| Net charge-offs to loans | 0.0016% | 3,156 |
| Credit loss provision to net charge-offs | 8,682.7586% | 139 |
| Earnings coverage of net charge-offs (x) | 1,991.9655% | 56 |
| Efficiency ratio | 26.4366% | 5,005 |
| Assets per employee ($millions) | 26.5207% | 51 |
| Cash dividends to net income (ytd only)* | 18.2123% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2726% | 4,942 |
| Loan loss allowance to noncurrent loans | 305.3032% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 4,026 |
| Noncurrent loans to loans | 0.0893% | 4,010 |
| Net loans and leases to total assets | 89.8310% | 44 |
| Net loans and leases to deposits | 121.0580% | 103 |
| Net loans and leases to core deposits | 158.1547% | 88 |
| Total domestic deposits to total assets | 74.2049% | 4,556 |
| Equity capital to assets | 7.9141% | 4,741 |
| Core capital (leverage) ratio | 8.0313% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $8,096,034,750 | 170 |
| Average earning assets | $7,872,337,500 | 164 |
| Average equity | $678,039,000 | 207 |
| Average total loans | $7,077,972,250 | 150 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3350% | 4,612 |
| Cost of funding earning assets | 0.9650% | 1,090 |
| Net interest margin | 2.3700% | 4,810 |
| Noninterest income to average assets | 1.1782% | 719 |
| Noninterest expense to average assets | 1.0106% | 5,004 |
| Loan and lease loss provision to assets | 0.1197% | 2,825 |
| Net operating income to assets | 1.7495% | 557 |
| Return on assets (ROA) | 1.7495% | 609 |
| Pretax return on assets | 2.3522% | 280 |
| Return on Equity (ROE) | 20.4361% | 222 |
| Retained earnings to average equity (ytd only) | 16.0973% | 168 |
| Net charge-offs to loans | 0.0017% | 2,964 |
| Credit loss provision to net charge-offs | 8,367.2727% | 132 |
| Earnings coverage of net charge-offs (x) | 1,728.4909% | 42 |
| Efficiency ratio | 28.6018% | 5,024 |
| Assets per employee ($millions) | 28.3698% | 45 |
| Cash dividends to net income (ytd only)* | 21.2309% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2382% | 4,983 |
| Loan loss allowance to noncurrent loans | 279.2408% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.0790% | 4,130 |
| Noncurrent loans to loans | 0.0853% | 4,117 |
| Net loans and leases to total assets | 90.5386% | 24 |
| Net loans and leases to deposits | 123.9980% | 73 |
| Net loans and leases to core deposits | 183.5440% | 52 |
| Total domestic deposits to total assets | 73.0162% | 4,650 |
| Equity capital to assets | 7.4757% | 4,885 |
| Core capital (leverage) ratio | 8.0647% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $7,691,792,667 | 175 |
| Average earning assets | $7,478,385,667 | 166 |
| Average equity | $658,483,000 | 212 |
| Average total loans | $6,642,294,000 | 158 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4764% | 4,654 |
| Cost of funding earning assets | 1.2273% | 702 |
| Net interest margin | 2.2491% | 4,940 |
| Noninterest income to average assets | 1.1234% | 688 |
| Noninterest expense to average assets | 1.1782% | 5,030 |
| Loan and lease loss provision to assets | 0.1695% | 1,734 |
| Net operating income to assets | 1.4598% | 857 |
| Return on assets (ROA) | 1.4598% | 933 |
| Pretax return on assets | 1.9589% | 499 |
| Return on Equity (ROE) | 15.7260% | 458 |
| Retained earnings to average equity (ytd only) | 11.4547% | 493 |
| Net charge-offs to loans | -0.0030% | 3,728 |
| Credit loss provision to net charge-offs | -6,672.7273% | 3,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1447% | 5,033 |
| Assets per employee ($millions) | 25.2055% | 46 |
| Cash dividends to net income (ytd only)* | 27.1605% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2784% | 5,004 |
| Loan loss allowance to noncurrent loans | 196.7649% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1233% | 4,014 |
| Noncurrent loans to loans | 0.1415% | 3,958 |
| Net loans and leases to total assets | 85.5961% | 163 |
| Net loans and leases to deposits | 100.3987% | 533 |
| Net loans and leases to core deposits | 170.5019% | 66 |
| Total domestic deposits to total assets | 85.2562% | 2,309 |
| Equity capital to assets | 8.4900% | 4,839 |
| Core capital (leverage) ratio | 10.0756% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $6,927,592,500 | 186 |
| Average earning assets | $6,724,895,500 | 176 |
| Average equity | $643,087,500 | 220 |
| Average total loans | $5,779,556,500 | 168 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3129% | 3,501 |
| Cost of funding earning assets | 1.7623% | 160 |
| Net interest margin | 2.5507% | 4,940 |
| Noninterest income to average assets | 0.8474% | 1,308 |
| Noninterest expense to average assets | 1.1383% | 5,102 |
| Loan and lease loss provision to assets | 0.0726% | 2,548 |
| Net operating income to assets | 1.5801% | 873 |
| Return on assets (ROA) | 1.5801% | 932 |
| Pretax return on assets | 2.0947% | 484 |
| Return on Equity (ROE) | 14.7401% | 740 |
| Retained earnings to average equity (ytd only) | 6.5270% | 1,599 |
| Net charge-offs to loans | 0.0201% | 3,019 |
| Credit loss provision to net charge-offs | 451.8102% | 644 |
| Earnings coverage of net charge-offs (x) | 134.9213% | 538 |
| Efficiency ratio | 33.8953% | 5,119 |
| Assets per employee ($millions) | 21.2672% | 53 |
| Cash dividends to net income (ytd only)* | 55.7194% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3102% | 5,039 |
| Loan loss allowance to noncurrent loans | 558.3454% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0470% | 4,400 |
| Noncurrent loans to loans | 0.0556% | 4,319 |
| Net loans and leases to total assets | 80.1783% | 757 |
| Net loans and leases to deposits | 93.0259% | 1,254 |
| Net loans and leases to core deposits | 152.4975% | 105 |
| Total domestic deposits to total assets | 86.1892% | 1,988 |
| Equity capital to assets | 10.2714% | 3,652 |
| Core capital (leverage) ratio | 9.6893% | 3,862 |
| Tier 1 risk-based capital ratio | 11.6924% | 4,528 |
| Total risk-based capital ratio | 11.9809% | 4,862 |
| Memoranda: | ||
| Average total assets | $4,986,602,600 | 227 |
| Average earning assets | $4,805,684,600 | 213 |
| Average equity | $534,548,000 | 238 |
| Average total loans | $3,994,471,800 | 206 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2918% | 3,675 |
| Cost of funding earning assets | 1.7671% | 158 |
| Net interest margin | 2.5247% | 5,048 |
| Noninterest income to average assets | 0.5961% | 2,220 |
| Noninterest expense to average assets | 1.1292% | 5,184 |
| Loan and lease loss provision to assets | 0.0454% | 2,997 |
| Net operating income to assets | 1.3951% | 1,486 |
| Return on assets (ROA) | 1.3951% | 1,549 |
| Pretax return on assets | 1.8496% | 982 |
| Return on Equity (ROE) | 12.8376% | 1,344 |
| Retained earnings to average equity (ytd only) | 2.9584% | 3,901 |
| Net charge-offs to loans | 0.0336% | 2,399 |
| Credit loss provision to net charge-offs | 169.1005% | 1,496 |
| Earnings coverage of net charge-offs (x) | 70.5608% | 941 |
| Efficiency ratio | 36.7622% | 5,168 |
| Assets per employee ($millions) | 22.8448% | 47 |
| Cash dividends to net income (ytd only)* | 76.9552% | 746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2588% | 5,140 |
| Loan loss allowance to noncurrent loans | 162.4048% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.1325% | 4,066 |
| Noncurrent loans to loans | 0.1593% | 3,971 |
| Net loans and leases to total assets | 82.9321% | 458 |
| Net loans and leases to deposits | 95.1770% | 1,106 |
| Net loans and leases to core deposits | 159.5224% | 92 |
| Total domestic deposits to total assets | 87.1345% | 1,457 |
| Equity capital to assets | 9.9213% | 4,101 |
| Core capital (leverage) ratio | 10.3143% | 3,297 |
| Tier 1 risk-based capital ratio | 10.9268% | 4,948 |
| Total risk-based capital ratio | 11.1676% | 5,157 |
| Memoranda: | ||
| Average total assets | $4,691,380,000 | 244 |
| Average earning assets | $4,511,847,250 | 230 |
| Average equity | $509,813,250 | 247 |
| Average total loans | $3,752,995,500 | 220 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 3,647 |
| Cost of funding earning assets | 1.6821% | 194 |
| Net interest margin | 2.6132% | 5,065 |
| Noninterest income to average assets | 0.5389% | 2,449 |
| Noninterest expense to average assets | 1.2227% | 5,219 |
| Loan and lease loss provision to assets | 0.0226% | 3,356 |
| Net operating income to assets | 1.3496% | 1,578 |
| Return on assets (ROA) | 1.3496% | 1,644 |
| Pretax return on assets | 1.7961% | 1,041 |
| Return on Equity (ROE) | 11.9143% | 1,610 |
| Retained earnings to average equity (ytd only) | 8.9369% | 1,046 |
| Net charge-offs to loans | 0.0517% | 1,908 |
| Credit loss provision to net charge-offs | 55.6858% | 2,431 |
| Earnings coverage of net charge-offs (x) | 44.8464% | 1,180 |
| Efficiency ratio | 39.6805% | 5,170 |
| Assets per employee ($millions) | 18.1116% | 65 |
| Cash dividends to net income (ytd only)* | 24.9903% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2937% | 5,175 |
| Loan loss allowance to noncurrent loans | 262.5323% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 4,316 |
| Noncurrent loans to loans | 0.1119% | 4,172 |
| Net loans and leases to total assets | 81.0415% | 725 |
| Net loans and leases to deposits | 91.3916% | 1,571 |
| Net loans and leases to core deposits | 155.2577% | 108 |
| Total domestic deposits to total assets | 88.6750% | 794 |
| Equity capital to assets | 10.1756% | 3,814 |
| Core capital (leverage) ratio | 11.2731% | 2,351 |
| Tier 1 risk-based capital ratio | 11.2800% | 4,797 |
| Total risk-based capital ratio | 11.5527% | 5,089 |
| Memoranda: | ||
| Average total assets | $4,206,754,000 | 258 |
| Average earning assets | $4,028,482,000 | 249 |
| Average equity | $476,521,000 | 257 |
| Average total loans | $3,300,790,000 | 240 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3149% | 3,514 |
| Cost of funding earning assets | 1.5995% | 227 |
| Net interest margin | 2.7154% | 5,050 |
| Noninterest income to average assets | 0.2787% | 4,017 |
| Noninterest expense to average assets | 1.2362% | 5,274 |
| Loan and lease loss provision to assets | 0.0391% | 2,846 |
| Net operating income to assets | 1.1892% | 2,098 |
| Return on assets (ROA) | 1.1892% | 2,145 |
| Pretax return on assets | 1.5909% | 1,491 |
| Return on Equity (ROE) | 9.8197% | 2,440 |
| Retained earnings to average equity (ytd only) | 7.3208% | 1,916 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9261% | 5,135 |
| Assets per employee ($millions) | 14.9705% | 106 |
| Cash dividends to net income (ytd only)* | 25.4477% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4392% | 5,138 |
| Loan loss allowance to noncurrent loans | 417.0858% | 1,216 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 4,394 |
| Noncurrent loans to loans | 0.1053% | 4,266 |
| Net loans and leases to total assets | 77.1335% | 1,299 |
| Net loans and leases to deposits | 98.0595% | 781 |
| Net loans and leases to core deposits | 126.0666% | 381 |
| Total domestic deposits to total assets | 78.6599% | 4,409 |
| Equity capital to assets | 12.7557% | 1,597 |
| Core capital (leverage) ratio | 13.2713% | 1,157 |
| Tier 1 risk-based capital ratio | 14.2058% | 3,241 |
| Total risk-based capital ratio | 14.6005% | 3,600 |
| Memoranda: | ||
| Average total assets | $3,756,388,500 | 281 |
| Average earning assets | $3,579,448,000 | 269 |
| Average equity | $454,922,500 | 266 |
| Average total loans | $2,875,497,500 | 266 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9429% | 4,187 |
| Cost of funding earning assets | 1.2047% | 337 |
| Net interest margin | 2.7383% | 5,073 |
| Noninterest income to average assets | 1.3266% | 524 |
| Noninterest expense to average assets | 1.2664% | 5,310 |
| Loan and lease loss provision to assets | 0.1233% | 1,787 |
| Net operating income to assets | 1.9181% | 427 |
| Return on assets (ROA) | 1.9181% | 423 |
| Pretax return on assets | 2.5635% | 182 |
| Return on Equity (ROE) | 16.1438% | 601 |
| Retained earnings to average equity (ytd only) | 7.4137% | 1,500 |
| Net charge-offs to loans | 0.0088% | 3,380 |
| Credit loss provision to net charge-offs | 1,904.6610% | 231 |
| Earnings coverage of net charge-offs (x) | 415.0551% | 251 |
| Efficiency ratio | 31.8843% | 5,359 |
| Assets per employee ($millions) | 15.0214% | 102 |
| Cash dividends to net income (ytd only)* | 54.0769% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4482% | 5,179 |
| Loan loss allowance to noncurrent loans | 511.4321% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 4,503 |
| Noncurrent loans to loans | 0.0876% | 4,356 |
| Net loans and leases to total assets | 75.2636% | 1,730 |
| Net loans and leases to deposits | 90.0678% | 1,793 |
| Net loans and leases to core deposits | 127.7351% | 359 |
| Total domestic deposits to total assets | 83.5632% | 3,139 |
| Equity capital to assets | 11.4495% | 2,292 |
| Core capital (leverage) ratio | 10.9747% | 2,546 |
| Tier 1 risk-based capital ratio | 12.8822% | 3,915 |
| Total risk-based capital ratio | 13.2872% | 4,294 |
| Memoranda: | ||
| Average total assets | $3,645,788,200 | 284 |
| Average earning assets | $3,497,078,800 | 271 |
| Average equity | $433,170,600 | 270 |
| Average total loans | $2,683,661,600 | 272 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8052% | 4,429 |
| Cost of funding earning assets | 1.0861% | 423 |
| Net interest margin | 2.7191% | 5,154 |
| Noninterest income to average assets | 1.2526% | 613 |
| Noninterest expense to average assets | 1.1676% | 5,398 |
| Loan and lease loss provision to assets | 0.1071% | 1,869 |
| Net operating income to assets | 1.9545% | 431 |
| Return on assets (ROA) | 1.9545% | 426 |
| Pretax return on assets | 2.5904% | 200 |
| Return on Equity (ROE) | 16.2988% | 648 |
| Retained earnings to average equity (ytd only) | 12.7418% | 389 |
| Net charge-offs to loans | 0.0045% | 3,285 |
| Credit loss provision to net charge-offs | 3,238.8889% | 132 |
| Earnings coverage of net charge-offs (x) | 815.9129% | 105 |
| Efficiency ratio | 30.0532% | 5,431 |
| Assets per employee ($millions) | 17.0167% | 70 |
| Cash dividends to net income (ytd only)* | 21.8238% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3861% | 5,301 |
| Loan loss allowance to noncurrent loans | 702.2068% | 811 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 4,764 |
| Noncurrent loans to loans | 0.0550% | 4,646 |
| Net loans and leases to total assets | 76.4112% | 1,602 |
| Net loans and leases to deposits | 87.9758% | 2,156 |
| Net loans and leases to core deposits | 114.6127% | 788 |
| Total domestic deposits to total assets | 86.8549% | 1,794 |
| Equity capital to assets | 12.3015% | 1,695 |
| Core capital (leverage) ratio | 11.9585% | 1,809 |
| Tier 1 risk-based capital ratio | 14.4675% | 3,143 |
| Total risk-based capital ratio | 14.8256% | 3,494 |
| Memoranda: | ||
| Average total assets | $3,629,666,500 | 284 |
| Average earning assets | $3,487,391,000 | 270 |
| Average equity | $435,261,000 | 268 |
| Average total loans | $2,653,313,000 | 274 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 4,735 |
| Cost of funding earning assets | 0.9721% | 531 |
| Net interest margin | 2.6473% | 5,253 |
| Noninterest income to average assets | 1.2519% | 615 |
| Noninterest expense to average assets | 1.1390% | 5,466 |
| Loan and lease loss provision to assets | 0.1295% | 1,527 |
| Net operating income to assets | 1.9124% | 454 |
| Return on assets (ROA) | 1.9124% | 452 |
| Pretax return on assets | 2.5278% | 216 |
| Return on Equity (ROE) | 16.0933% | 657 |
| Retained earnings to average equity (ytd only) | 12.6400% | 432 |
| Net charge-offs to loans | 0.0070% | 2,882 |
| Credit loss provision to net charge-offs | 2,580.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 529.4000% | 170 |
| Efficiency ratio | 29.8432% | 5,497 |
| Assets per employee ($millions) | 17.6247% | 62 |
| Cash dividends to net income (ytd only)* | 21.4582% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3842% | 5,370 |
| Loan loss allowance to noncurrent loans | 531.9879% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,763 |
| Noncurrent loans to loans | 0.0722% | 4,599 |
| Net loans and leases to total assets | 73.1733% | 2,094 |
| Net loans and leases to deposits | 87.1050% | 2,208 |
| Net loans and leases to core deposits | 110.6381% | 959 |
| Total domestic deposits to total assets | 84.0059% | 3,065 |
| Equity capital to assets | 11.8415% | 1,963 |
| Core capital (leverage) ratio | 11.8633% | 1,791 |
| Tier 1 risk-based capital ratio | 14.3674% | 3,173 |
| Total risk-based capital ratio | 14.7207% | 3,547 |
| Memoranda: | ||
| Average total assets | $3,585,992,330 | 284 |
| Average earning assets | $3,446,729,000 | 271 |
| Average equity | $426,140,330 | 269 |
| Average total loans | $2,576,175,670 | 277 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4042% | 5,014 |
| Cost of funding earning assets | 0.8319% | 828 |
| Net interest margin | 2.5722% | 5,340 |
| Noninterest income to average assets | 1.2616% | 583 |
| Noninterest expense to average assets | 1.0692% | 5,549 |
| Loan and lease loss provision to assets | 0.1554% | 1,164 |
| Net operating income to assets | 1.9114% | 443 |
| Return on assets (ROA) | 1.9114% | 444 |
| Pretax return on assets | 2.5086% | 208 |
| Return on Equity (ROE) | 16.0541% | 612 |
| Retained earnings to average equity (ytd only) | 12.6531% | 575 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.4716% | 5,569 |
| Assets per employee ($millions) | 18.7920% | 55 |
| Cash dividends to net income (ytd only)* | 21.1850% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3704% | 5,451 |
| Loan loss allowance to noncurrent loans | 428.2869% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.0623% | 4,780 |
| Noncurrent loans to loans | 0.0865% | 4,600 |
| Net loans and leases to total assets | 71.7593% | 2,212 |
| Net loans and leases to deposits | 86.0182% | 2,168 |
| Net loans and leases to core deposits | 117.5628% | 669 |
| Total domestic deposits to total assets | 83.4233% | 3,533 |
| Equity capital to assets | 11.7028% | 1,988 |
| Core capital (leverage) ratio | 12.4950% | 1,394 |
| Tier 1 risk-based capital ratio | 14.4075% | 3,166 |
| Total risk-based capital ratio | 14.7455% | 3,567 |
| Memoranda: | ||
| Average total assets | $3,510,770,500 | 288 |
| Average earning assets | $3,373,402,500 | 273 |
| Average equity | $417,986,000 | 273 |
| Average total loans | $2,491,954,500 | 280 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2506% | 5,133 |
| Cost of funding earning assets | 0.6900% | 1,078 |
| Net interest margin | 2.5607% | 5,373 |
| Noninterest income to average assets | 1.5338% | 449 |
| Noninterest expense to average assets | 1.0639% | 5,604 |
| Loan and lease loss provision to assets | 0.0811% | 2,582 |
| Net operating income to assets | 1.9889% | 290 |
| Return on assets (ROA) | 1.9889% | 293 |
| Pretax return on assets | 2.8468% | 111 |
| Return on Equity (ROE) | 20.2800% | 187 |
| Retained earnings to average equity (ytd only) | 15.7195% | 73 |
| Net charge-offs to loans | 0.0207% | 3,417 |
| Credit loss provision to net charge-offs | 601.4599% | 537 |
| Earnings coverage of net charge-offs (x) | 217.1241% | 372 |
| Efficiency ratio | 26.5841% | 5,635 |
| Assets per employee ($millions) | 18.1534% | 61 |
| Cash dividends to net income (ytd only)* | 22.4880% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3504% | 5,528 |
| Loan loss allowance to noncurrent loans | 268.3565% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 4,667 |
| Noncurrent loans to loans | 0.1306% | 4,406 |
| Net loans and leases to total assets | 69.6182% | 2,581 |
| Net loans and leases to deposits | 80.0861% | 2,907 |
| Net loans and leases to core deposits | 112.7264% | 856 |
| Total domestic deposits to total assets | 86.9291% | 2,026 |
| Equity capital to assets | 12.1228% | 1,748 |
| Core capital (leverage) ratio | 12.4875% | 1,367 |
| Tier 1 risk-based capital ratio | 15.3522% | 2,682 |
| Total risk-based capital ratio | 15.6725% | 3,039 |
| Memoranda: | ||
| Average total assets | $3,047,883,200 | 304 |
| Average earning assets | $2,925,654,200 | 288 |
| Average equity | $298,909,800 | 331 |
| Average total loans | $1,986,490,200 | 315 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1893% | 5,243 |
| Cost of funding earning assets | 0.6688% | 1,131 |
| Net interest margin | 2.5205% | 5,458 |
| Noninterest income to average assets | 1.4516% | 509 |
| Noninterest expense to average assets | 1.0212% | 5,673 |
| Loan and lease loss provision to assets | 0.0483% | 3,133 |
| Net operating income to assets | 1.7334% | 547 |
| Return on assets (ROA) | 1.7334% | 557 |
| Pretax return on assets | 2.8012% | 138 |
| Return on Equity (ROE) | 18.9574% | 282 |
| Retained earnings to average equity (ytd only) | 14.0995% | 151 |
| Net charge-offs to loans | -0.0095% | 4,623 |
| Credit loss provision to net charge-offs | -794.0741% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.3523% | 5,705 |
| Assets per employee ($millions) | 18.8172% | 54 |
| Cash dividends to net income (ytd only)* | 25.6254% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3632% | 5,588 |
| Loan loss allowance to noncurrent loans | 263.9621% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 4,799 |
| Noncurrent loans to loans | 0.1376% | 4,502 |
| Net loans and leases to total assets | 63.6985% | 3,448 |
| Net loans and leases to deposits | 70.9957% | 3,873 |
| Net loans and leases to core deposits | 87.8909% | 2,781 |
| Total domestic deposits to total assets | 89.7216% | 568 |
| Equity capital to assets | 9.0148% | 4,900 |
| Core capital (leverage) ratio | 8.7269% | 5,030 |
| Tier 1 risk-based capital ratio | 12.3597% | 4,402 |
| Total risk-based capital ratio | 12.6964% | 4,883 |
| Memoranda: | ||
| Average total assets | $2,961,183,500 | 313 |
| Average earning assets | $2,842,038,500 | 295 |
| Average equity | $270,755,000 | 351 |
| Average total loans | $1,890,206,000 | 326 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0355% | 5,411 |
| Cost of funding earning assets | 0.6218% | 1,322 |
| Net interest margin | 2.4136% | 5,561 |
| Noninterest income to average assets | 1.6883% | 404 |
| Noninterest expense to average assets | 0.9955% | 5,732 |
| Loan and lease loss provision to assets | 0.0335% | 3,322 |
| Net operating income to assets | 1.8406% | 419 |
| Return on assets (ROA) | 1.8406% | 432 |
| Pretax return on assets | 2.9744% | 115 |
| Return on Equity (ROE) | 20.0261% | 217 |
| Retained earnings to average equity (ytd only) | 15.3180% | 128 |
| Net charge-offs to loans | -0.0148% | 4,662 |
| Credit loss provision to net charge-offs | -355.5556% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8664% | 5,757 |
| Assets per employee ($millions) | 20.6026% | 46 |
| Cash dividends to net income (ytd only)* | 23.5098% | 2,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3370% | 5,646 |
| Loan loss allowance to noncurrent loans | 211.3248% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,774 |
| Noncurrent loans to loans | 0.1595% | 4,481 |
| Net loans and leases to total assets | 66.2502% | 3,066 |
| Net loans and leases to deposits | 73.7839% | 3,567 |
| Net loans and leases to core deposits | 92.4724% | 2,295 |
| Total domestic deposits to total assets | 89.7895% | 608 |
| Equity capital to assets | 8.9048% | 4,981 |
| Core capital (leverage) ratio | 9.3192% | 4,343 |
| Tier 1 risk-based capital ratio | 11.6950% | 4,843 |
| Total risk-based capital ratio | 11.9989% | 5,288 |
| Memoranda: | ||
| Average total assets | $2,869,333,330 | 321 |
| Average earning assets | $2,752,135,670 | 308 |
| Average equity | $263,715,330 | 356 |
| Average total loans | $1,830,171,670 | 340 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8865% | 5,549 |
| Cost of funding earning assets | 0.5764% | 1,532 |
| Net interest margin | 2.3102% | 5,656 |
| Noninterest income to average assets | 1.1612% | 749 |
| Noninterest expense to average assets | 0.9192% | 5,818 |
| Loan and lease loss provision to assets | 0.0348% | 3,091 |
| Net operating income to assets | 1.4969% | 811 |
| Return on assets (ROA) | 1.4969% | 839 |
| Pretax return on assets | 2.4190% | 245 |
| Return on Equity (ROE) | 16.0077% | 528 |
| Retained earnings to average equity (ytd only) | 9.3094% | 981 |
| Net charge-offs to loans | -0.0140% | 4,558 |
| Credit loss provision to net charge-offs | -400.0000% | 4,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.2524% | 5,812 |
| Assets per employee ($millions) | 19.5795% | 49 |
| Cash dividends to net income (ytd only)* | 41.8442% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3821% | 5,699 |
| Loan loss allowance to noncurrent loans | 194.0399% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 4,774 |
| Noncurrent loans to loans | 0.1969% | 4,416 |
| Net loans and leases to total assets | 61.5404% | 3,595 |
| Net loans and leases to deposits | 68.8593% | 3,902 |
| Net loans and leases to core deposits | 86.6711% | 2,666 |
| Total domestic deposits to total assets | 89.3711% | 965 |
| Equity capital to assets | 9.3243% | 4,480 |
| Core capital (leverage) ratio | 9.6591% | 3,915 |
| Tier 1 risk-based capital ratio | 13.0905% | 4,030 |
| Total risk-based capital ratio | 13.4325% | 4,494 |
| Memoranda: | ||
| Average total assets | $2,758,802,000 | 331 |
| Average earning assets | $2,641,363,500 | 318 |
| Average equity | $257,976,000 | 363 |
| Average total loans | $1,718,099,500 | 348 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8803% | 5,593 |
| Cost of funding earning assets | 0.4187% | 2,818 |
| Net interest margin | 2.4616% | 5,606 |
| Noninterest income to average assets | 1.0631% | 999 |
| Noninterest expense to average assets | 1.0152% | 5,854 |
| Loan and lease loss provision to assets | 0.0368% | 3,628 |
| Net operating income to assets | 1.4391% | 938 |
| Return on assets (ROA) | 1.4397% | 959 |
| Pretax return on assets | 2.3817% | 238 |
| Return on Equity (ROE) | 16.4100% | 467 |
| Retained earnings to average equity (ytd only) | 9.3167% | 524 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5729% | 5,871 |
| Assets per employee ($millions) | 19.5521% | 47 |
| Cash dividends to net income (ytd only)* | 43.2256% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3696% | 5,758 |
| Loan loss allowance to noncurrent loans | 260.6612% | 1,836 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,981 |
| Noncurrent loans to loans | 0.1418% | 4,665 |
| Net loans and leases to total assets | 62.5606% | 3,535 |
| Net loans and leases to deposits | 70.0000% | 3,903 |
| Net loans and leases to core deposits | 88.4456% | 2,635 |
| Total domestic deposits to total assets | 89.3724% | 912 |
| Equity capital to assets | 9.3785% | 4,398 |
| Core capital (leverage) ratio | 8.4301% | 5,335 |
| Tier 1 risk-based capital ratio | 13.1753% | 3,960 |
| Total risk-based capital ratio | 13.5088% | 4,411 |
| Memoranda: | ||
| Average total assets | $2,606,799,600 | 333 |
| Average earning assets | $2,509,396,200 | 315 |
| Average equity | $228,708,200 | 386 |
| Average total loans | $1,677,796,800 | 347 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7828% | 5,724 |
| Cost of funding earning assets | 0.3822% | 3,206 |
| Net interest margin | 2.4006% | 5,718 |
| Noninterest income to average assets | 1.0860% | 963 |
| Noninterest expense to average assets | 0.9886% | 5,924 |
| Loan and lease loss provision to assets | 0.0372% | 3,500 |
| Net operating income to assets | 1.4352% | 996 |
| Return on assets (ROA) | 1.4360% | 1,043 |
| Pretax return on assets | 2.3753% | 265 |
| Return on Equity (ROE) | 16.6701% | 477 |
| Retained earnings to average equity (ytd only) | 10.3782% | 502 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0773% | 5,939 |
| Assets per employee ($millions) | 23.2733% | 37 |
| Cash dividends to net income (ytd only)* | 37.7435% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3060% | 5,855 |
| Loan loss allowance to noncurrent loans | 177.6867% | 2,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 4,977 |
| Noncurrent loans to loans | 0.1722% | 4,670 |
| Net loans and leases to total assets | 64.3531% | 3,351 |
| Net loans and leases to deposits | 70.9768% | 3,891 |
| Net loans and leases to core deposits | 88.6539% | 2,696 |
| Total domestic deposits to total assets | 90.6678% | 283 |
| Equity capital to assets | 8.1851% | 5,677 |
| Core capital (leverage) ratio | 8.4814% | 5,373 |
| Tier 1 risk-based capital ratio | 11.3665% | 5,172 |
| Total risk-based capital ratio | 11.6493% | 5,589 |
| Memoranda: | ||
| Average total assets | $2,579,064,000 | 334 |
| Average earning assets | $2,485,956,500 | 317 |
| Average equity | $222,164,250 | 400 |
| Average total loans | $1,670,609,750 | 346 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7814% | 5,809 |
| Cost of funding earning assets | 0.3883% | 3,166 |
| Net interest margin | 2.3931% | 5,814 |
| Noninterest income to average assets | 0.7892% | 1,760 |
| Noninterest expense to average assets | 0.9924% | 6,006 |
| Loan and lease loss provision to assets | 0.0398% | 3,360 |
| Net operating income to assets | 1.2471% | 1,439 |
| Return on assets (ROA) | 1.2471% | 1,546 |
| Pretax return on assets | 2.0630% | 504 |
| Return on Equity (ROE) | 14.1779% | 803 |
| Retained earnings to average equity (ytd only) | 7.8060% | 1,240 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.0632% | 6,000 |
| Assets per employee ($millions) | 18.8454% | 50 |
| Cash dividends to net income (ytd only)* | 44.9426% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3525% | 5,914 |
| Loan loss allowance to noncurrent loans | 168.9821% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,946 |
| Noncurrent loans to loans | 0.2086% | 4,609 |
| Net loans and leases to total assets | 67.2185% | 2,911 |
| Net loans and leases to deposits | 74.9494% | 3,486 |
| Net loans and leases to core deposits | 82.6599% | 3,213 |
| Total domestic deposits to total assets | 89.6851% | 594 |
| Equity capital to assets | 9.1546% | 5,111 |
| Core capital (leverage) ratio | 8.7364% | 5,129 |
| Tier 1 risk-based capital ratio | 12.0276% | 4,807 |
| Total risk-based capital ratio | 12.3517% | 5,280 |
| Memoranda: | ||
| Average total assets | $2,414,725,670 | 345 |
| Average earning assets | $2,326,819,000 | 336 |
| Average equity | $212,401,330 | 412 |
| Average total loans | $1,566,464,000 | 361 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7041% | 5,906 |
| Cost of funding earning assets | 0.3855% | 3,238 |
| Net interest margin | 2.3186% | 5,922 |
| Noninterest income to average assets | 0.5290% | 2,941 |
| Noninterest expense to average assets | 0.9583% | 6,076 |
| Loan and lease loss provision to assets | 0.0405% | 3,107 |
| Net operating income to assets | 1.0665% | 2,022 |
| Return on assets (ROA) | 1.0665% | 2,137 |
| Pretax return on assets | 1.7646% | 913 |
| Return on Equity (ROE) | 12.3919% | 1,188 |
| Retained earnings to average equity (ytd only) | 5.2424% | 2,786 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6777% | 6,038 |
| Assets per employee ($millions) | 20.4004% | 45 |
| Cash dividends to net income (ytd only)* | 57.6947% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3518% | 5,984 |
| Loan loss allowance to noncurrent loans | 718.5930% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 5,469 |
| Noncurrent loans to loans | 0.0490% | 5,289 |
| Net loans and leases to total assets | 65.6314% | 3,004 |
| Net loans and leases to deposits | 72.4694% | 3,609 |
| Net loans and leases to core deposits | 86.0094% | 2,749 |
| Total domestic deposits to total assets | 90.5643% | 413 |
| Equity capital to assets | 8.3211% | 5,684 |
| Core capital (leverage) ratio | 8.4819% | 5,409 |
| Tier 1 risk-based capital ratio | 11.1830% | 5,404 |
| Total risk-based capital ratio | 11.5098% | 5,772 |
| Memoranda: | ||
| Average total assets | $2,368,872,000 | 349 |
| Average earning assets | $2,282,740,500 | 337 |
| Average equity | $203,875,000 | 422 |
| Average total loans | $1,504,323,000 | 371 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7016% | 5,932 |
| Cost of funding earning assets | 0.3571% | 3,624 |
| Net interest margin | 2.3445% | 5,925 |
| Noninterest income to average assets | 1.2524% | 766 |
| Noninterest expense to average assets | 0.9567% | 6,127 |
| Loan and lease loss provision to assets | 0.0443% | 3,442 |
| Net operating income to assets | 1.5050% | 860 |
| Return on assets (ROA) | 1.5050% | 891 |
| Pretax return on assets | 2.5017% | 205 |
| Return on Equity (ROE) | 18.3391% | 359 |
| Retained earnings to average equity (ytd only) | 13.0448% | 201 |
| Net charge-offs to loans | -0.0004% | 4,817 |
| Credit loss provision to net charge-offs | -19,200.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3139% | 6,147 |
| Assets per employee ($millions) | 18.9108% | 53 |
| Cash dividends to net income (ytd only)* | 28.8688% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3963% | 5,998 |
| Loan loss allowance to noncurrent loans | 294.1492% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 5,171 |
| Noncurrent loans to loans | 0.1347% | 4,950 |
| Net loans and leases to total assets | 60.6959% | 3,741 |
| Net loans and leases to deposits | 67.5259% | 4,169 |
| Net loans and leases to core deposits | 83.4707% | 3,005 |
| Total domestic deposits to total assets | 89.8854% | 678 |
| Equity capital to assets | 8.9168% | 5,204 |
| Core capital (leverage) ratio | 8.5235% | 5,397 |
| Tier 1 risk-based capital ratio | 12.8905% | 4,392 |
| Total risk-based capital ratio | 13.2524% | 4,846 |
| Memoranda: | ||
| Average total assets | $2,167,451,200 | 363 |
| Average earning assets | $2,080,445,000 | 344 |
| Average equity | $177,871,800 | 453 |
| Average total loans | $1,336,565,600 | 380 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6436% | 6,039 |
| Cost of funding earning assets | 0.3525% | 3,731 |
| Net interest margin | 2.2911% | 6,038 |
| Noninterest income to average assets | 1.1494% | 905 |
| Noninterest expense to average assets | 0.9228% | 6,221 |
| Loan and lease loss provision to assets | 0.0448% | 3,314 |
| Net operating income to assets | 1.4330% | 1,041 |
| Return on assets (ROA) | 1.4330% | 1,090 |
| Pretax return on assets | 2.3806% | 293 |
| Return on Equity (ROE) | 17.8710% | 409 |
| Retained earnings to average equity (ytd only) | 12.7731% | 297 |
| Net charge-offs to loans | -0.0003% | 4,647 |
| Credit loss provision to net charge-offs | -24,000.0000% | 5,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.5609% | 6,232 |
| Assets per employee ($millions) | 21.0738% | 45 |
| Cash dividends to net income (ytd only)* | 28.5261% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3437% | 6,118 |
| Loan loss allowance to noncurrent loans | 803.5276% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 5,688 |
| Noncurrent loans to loans | 0.0428% | 5,447 |
| Net loans and leases to total assets | 62.1363% | 3,584 |
| Net loans and leases to deposits | 68.0368% | 4,188 |
| Net loans and leases to core deposits | 79.5528% | 3,457 |
| Total domestic deposits to total assets | 91.3276% | 181 |
| Equity capital to assets | 7.6043% | 6,060 |
| Core capital (leverage) ratio | 8.1522% | 5,812 |
| Tier 1 risk-based capital ratio | 10.9276% | 5,688 |
| Total risk-based capital ratio | 11.2471% | 5,996 |
| Memoranda: | ||
| Average total assets | $2,141,991,500 | 370 |
| Average earning assets | $2,055,657,250 | 351 |
| Average equity | $171,753,000 | 470 |
| Average total loans | $1,324,995,500 | 386 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6434% | 6,104 |
| Cost of funding earning assets | 0.3592% | 3,714 |
| Net interest margin | 2.2841% | 6,105 |
| Noninterest income to average assets | 1.3824% | 655 |
| Noninterest expense to average assets | 0.9262% | 6,298 |
| Loan and lease loss provision to assets | 0.0470% | 3,180 |
| Net operating income to assets | 1.5628% | 811 |
| Return on assets (ROA) | 1.5628% | 838 |
| Pretax return on assets | 2.5984% | 217 |
| Return on Equity (ROE) | 19.0961% | 325 |
| Retained earnings to average equity (ytd only) | 14.4133% | 216 |
| Net charge-offs to loans | -0.0003% | 4,542 |
| Credit loss provision to net charge-offs | -24,000.0000% | 5,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.9334% | 6,313 |
| Assets per employee ($millions) | 19.3479% | 52 |
| Cash dividends to net income (ytd only)* | 24.5219% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3621% | 6,179 |
| Loan loss allowance to noncurrent loans | 686.5385% | 781 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 5,737 |
| Noncurrent loans to loans | 0.0527% | 5,531 |
| Net loans and leases to total assets | 61.8089% | 3,580 |
| Net loans and leases to deposits | 68.2562% | 4,112 |
| Net loans and leases to core deposits | 79.8950% | 3,397 |
| Total domestic deposits to total assets | 90.5543% | 437 |
| Equity capital to assets | 8.1517% | 5,911 |
| Core capital (leverage) ratio | 8.2194% | 5,771 |
| Tier 1 risk-based capital ratio | 11.4083% | 5,523 |
| Total risk-based capital ratio | 11.7351% | 5,868 |
| Memoranda: | ||
| Average total assets | $2,041,134,330 | 381 |
| Average earning assets | $1,956,364,670 | 367 |
| Average equity | $167,039,670 | 483 |
| Average total loans | $1,258,593,670 | 400 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9692% | 5,928 |
| Cost of funding earning assets | 0.3678% | 3,671 |
| Net interest margin | 2.6014% | 5,922 |
| Noninterest income to average assets | 0.7661% | 1,840 |
| Noninterest expense to average assets | 0.9033% | 6,373 |
| Loan and lease loss provision to assets | 0.0493% | 2,944 |
| Net operating income to assets | 1.3741% | 1,077 |
| Return on assets (ROA) | 1.3741% | 1,140 |
| Pretax return on assets | 2.3015% | 326 |
| Return on Equity (ROE) | 16.7535% | 490 |
| Retained earnings to average equity (ytd only) | 12.8603% | 463 |
| Net charge-offs to loans | -0.0003% | 4,311 |
| Credit loss provision to net charge-offs | -24,000.0000% | 5,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7606% | 6,379 |
| Assets per employee ($millions) | 19.5316% | 51 |
| Cash dividends to net income (ytd only)* | 23.2378% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3928% | 6,241 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0174% | 5,877 |
| Noncurrent loans to loans | 0.0302% | 5,678 |
| Net loans and leases to total assets | 57.1928% | 4,064 |
| Net loans and leases to deposits | 62.8317% | 4,497 |
| Net loans and leases to core deposits | 67.5140% | 4,383 |
| Total domestic deposits to total assets | 91.0254% | 358 |
| Equity capital to assets | 7.8000% | 6,099 |
| Core capital (leverage) ratio | 7.9638% | 5,961 |
| Tier 1 risk-based capital ratio | 11.8083% | 5,368 |
| Total risk-based capital ratio | 12.1685% | 5,770 |
| Memoranda: | ||
| Average total assets | $1,949,199,000 | 391 |
| Average earning assets | $1,864,220,000 | 377 |
| Average equity | $159,871,500 | 495 |
| Average total loans | $1,197,765,500 | 418 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7332% | 6,243 |
| Cost of funding earning assets | 0.4187% | 3,493 |
| Net interest margin | 2.3145% | 6,261 |
| Noninterest income to average assets | 1.2634% | 756 |
| Noninterest expense to average assets | 0.9441% | 6,453 |
| Loan and lease loss provision to assets | 0.0798% | 2,891 |
| Net operating income to assets | 0.3788% | 5,295 |
| Return on assets (ROA) | 0.3788% | 5,365 |
| Pretax return on assets | 2.4411% | 213 |
| Return on Equity (ROE) | 4.5055% | 4,885 |
| Retained earnings to average equity (ytd only) | -0.0641% | 5,777 |
| Net charge-offs to loans | 0.0052% | 4,840 |
| Credit loss provision to net charge-offs | 2,382.3529% | 135 |
| Earnings coverage of net charge-offs (x) | 752.5882% | 59 |
| Efficiency ratio | 27.2476% | 6,474 |
| Assets per employee ($millions) | 17.5391% | 62 |
| Cash dividends to net income (ytd only)* | 101.4216% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3813% | 6,333 |
| Loan loss allowance to noncurrent loans | 538.9021% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 5,846 |
| Noncurrent loans to loans | 0.0708% | 5,596 |
| Net loans and leases to total assets | 65.9494% | 2,892 |
| Net loans and leases to deposits | 73.1868% | 3,528 |
| Net loans and leases to core deposits | 83.5366% | 2,949 |
| Total domestic deposits to total assets | 90.1111% | 689 |
| Equity capital to assets | 8.6759% | 5,591 |
| Core capital (leverage) ratio | 8.7016% | 5,346 |
| Tier 1 risk-based capital ratio | 10.9936% | 5,910 |
| Total risk-based capital ratio | 11.3206% | 6,185 |
| Memoranda: | ||
| Average total assets | $1,522,571,600 | 456 |
| Average earning assets | $1,448,297,800 | 435 |
| Average equity | $128,020,400 | 566 |
| Average total loans | $989,310,200 | 464 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6298% | 6,366 |
| Cost of funding earning assets | 0.4214% | 3,559 |
| Net interest margin | 2.2084% | 6,385 |
| Noninterest income to average assets | 1.2811% | 743 |
| Noninterest expense to average assets | 0.9409% | 6,532 |
| Loan and lease loss provision to assets | 0.0536% | 3,301 |
| Net operating income to assets | -0.1446% | 6,244 |
| Return on assets (ROA) | -0.1446% | 6,250 |
| Pretax return on assets | 2.3837% | 266 |
| Return on Equity (ROE) | -1.7367% | 6,270 |
| Retained earnings to average equity (ytd only) | -3.7715% | 6,191 |
| Net charge-offs to loans | 0.0075% | 4,449 |
| Credit loss provision to net charge-offs | 1,103.7736% | 304 |
| Earnings coverage of net charge-offs (x) | 502.2046% | 151 |
| Efficiency ratio | 27.8531% | 6,550 |
| Assets per employee ($millions) | 18.2596% | 57 |
| Cash dividends to net income (ytd only)* | -117.1630% | 6,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3836% | 6,423 |
| Loan loss allowance to noncurrent loans | 1,119.3084% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 6,039 |
| Noncurrent loans to loans | 0.0343% | 5,890 |
| Net loans and leases to total assets | 58.7635% | 3,969 |
| Net loans and leases to deposits | 65.1213% | 4,420 |
| Net loans and leases to core deposits | 69.5732% | 4,365 |
| Total domestic deposits to total assets | 90.2370% | 633 |
| Equity capital to assets | 8.4280% | 5,854 |
| Core capital (leverage) ratio | 8.2031% | 5,928 |
| Tier 1 risk-based capital ratio | 11.9878% | 5,494 |
| Total risk-based capital ratio | 12.3173% | 5,921 |
| Memoranda: | ||
| Average total assets | $1,455,967,500 | 476 |
| Average earning assets | $1,382,580,750 | 451 |
| Average equity | $121,223,000 | 602 |
| Average total loans | $940,552,000 | 473 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1561% | 5,995 |
| Cost of funding earning assets | 0.4324% | 3,525 |
| Net interest margin | 2.7237% | 6,020 |
| Noninterest income to average assets | 0.8066% | 1,813 |
| Noninterest expense to average assets | 0.8930% | 6,609 |
| Loan and lease loss provision to assets | 0.0570% | 3,154 |
| Net operating income to assets | -1.3173% | 6,563 |
| Return on assets (ROA) | -1.3173% | 6,560 |
| Pretax return on assets | 2.4379% | 236 |
| Return on Equity (ROE) | -15.9032% | 6,557 |
| Retained earnings to average equity (ytd only) | -19.1657% | 6,529 |
| Net charge-offs to loans | 0.0118% | 4,012 |
| Credit loss provision to net charge-offs | 722.2222% | 442 |
| Earnings coverage of net charge-offs (x) | 316.2778% | 220 |
| Efficiency ratio | 26.3582% | 6,622 |
| Assets per employee ($millions) | 18.2184% | 55 |
| Cash dividends to net income (ytd only)* | -20.5145% | 6,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3374% | 6,520 |
| Loan loss allowance to noncurrent loans | 861.9159% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 6,087 |
| Noncurrent loans to loans | 0.0391% | 5,938 |
| Net loans and leases to total assets | 66.4630% | 2,678 |
| Net loans and leases to deposits | 77.3784% | 2,882 |
| Net loans and leases to core deposits | 86.2009% | 2,496 |
| Total domestic deposits to total assets | 85.8935% | 3,100 |
| Equity capital to assets | 7.1326% | 6,423 |
| Core capital (leverage) ratio | 7.8952% | 6,159 |
| Tier 1 risk-based capital ratio | 9.1194% | 6,529 |
| Total risk-based capital ratio | 9.4159% | 6,567 |
| Memoranda: | ||
| Average total assets | $1,369,155,330 | 506 |
| Average earning assets | $1,297,484,330 | 483 |
| Average equity | $113,411,000 | 628 |
| Average total loans | $916,568,330 | 478 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1354% | 6,079 |
| Cost of funding earning assets | 0.4565% | 3,357 |
| Net interest margin | 2.6789% | 6,132 |
| Noninterest income to average assets | 0.7962% | 1,765 |
| Noninterest expense to average assets | 0.9057% | 6,691 |
| Loan and lease loss provision to assets | 0.0632% | 2,859 |
| Net operating income to assets | -4.5488% | 6,707 |
| Return on assets (ROA) | -4.5488% | 6,707 |
| Pretax return on assets | 2.3613% | 277 |
| Return on Equity (ROE) | -50.2752% | 6,692 |
| Retained earnings to average equity (ytd only) | -50.6407% | 6,671 |
| Net charge-offs to loans | -0.0087% | 4,998 |
| Credit loss provision to net charge-offs | -1,083.3333% | 5,356 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.1975% | 6,691 |
| Assets per employee ($millions) | 15.3380% | 73 |
| Cash dividends to net income (ytd only)* | -0.7269% | 6,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4208% | 6,551 |
| Loan loss allowance to noncurrent loans | 538.6707% | 879 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 6,063 |
| Noncurrent loans to loans | 0.0781% | 5,901 |
| Net loans and leases to total assets | 65.4995% | 2,637 |
| Net loans and leases to deposits | 72.9187% | 3,218 |
| Net loans and leases to core deposits | 76.0530% | 3,405 |
| Total domestic deposits to total assets | 89.8254% | 1,168 |
| Equity capital to assets | 8.1131% | 5,966 |
| Core capital (leverage) ratio | 8.0956% | 6,044 |
| Tier 1 risk-based capital ratio | 10.2617% | 6,404 |
| Total risk-based capital ratio | 10.6229% | 6,556 |
| Memoranda: | ||
| Average total assets | $1,233,906,500 | 548 |
| Average earning assets | $1,167,176,500 | 530 |
| Average equity | $111,641,500 | 641 |
| Average total loans | $828,127,000 | 523 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1615% | 6,183 |
| Cost of funding earning assets | 0.5367% | 3,228 |
| Net interest margin | 2.6248% | 6,235 |
| Noninterest income to average assets | 1.9698% | 399 |
| Noninterest expense to average assets | 1.0324% | 6,743 |
| Loan and lease loss provision to assets | 0.0618% | 3,903 |
| Net operating income to assets | 3.3626% | 85 |
| Return on assets (ROA) | 3.3626% | 84 |
| Pretax return on assets | 3.3626% | 91 |
| Return on Equity (ROE) | 34.2421% | 43 |
| Retained earnings to average equity (ytd only) | 21.4595% | 69 |
| Net charge-offs to loans | 0.0410% | 4,652 |
| Credit loss provision to net charge-offs | 258.0645% | 878 |
| Earnings coverage of net charge-offs (x) | 143.0789% | 319 |
| Efficiency ratio | 23.1647% | 6,789 |
| Assets per employee ($millions) | 14.2098% | 87 |
| Cash dividends to net income (ytd only)* | 37.3300% | 2,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4074% | 6,632 |
| Loan loss allowance to noncurrent loans | 788.2775% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 6,194 |
| Noncurrent loans to loans | 0.0517% | 6,076 |
| Net loans and leases to total assets | 68.2965% | 2,300 |
| Net loans and leases to deposits | 76.3942% | 2,925 |
| Net loans and leases to core deposits | 78.8684% | 3,259 |
| Total domestic deposits to total assets | 89.4000% | 1,383 |
| Equity capital to assets | 10.0689% | 3,670 |
| Core capital (leverage) ratio | 8.4265% | 5,748 |
| Tier 1 risk-based capital ratio | 11.8856% | 5,687 |
| Total risk-based capital ratio | 12.2307% | 6,130 |
| Memoranda: | ||
| Average total assets | $1,165,725,600 | 563 |
| Average earning assets | $1,104,496,200 | 539 |
| Average equity | $114,476,200 | 619 |
| Average total loans | $679,701,200 | 618 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1081% | 6,310 |
| Cost of funding earning assets | 0.5351% | 3,418 |
| Net interest margin | 2.5731% | 6,344 |
| Noninterest income to average assets | 2.0857% | 395 |
| Noninterest expense to average assets | 0.9897% | 6,832 |
| Loan and lease loss provision to assets | 0.0585% | 3,878 |
| Net operating income to assets | 3.4774% | 80 |
| Return on assets (ROA) | 3.4774% | 80 |
| Pretax return on assets | 3.4774% | 99 |
| Return on Equity (ROE) | 35.6396% | 42 |
| Retained earnings to average equity (ytd only) | 18.4946% | 96 |
| Net charge-offs to loans | 0.0577% | 4,081 |
| Credit loss provision to net charge-offs | 182.1429% | 1,330 |
| Earnings coverage of net charge-offs (x) | 110.0869% | 461 |
| Efficiency ratio | 21.8696% | 6,866 |
| Assets per employee ($millions) | 16.6257% | 68 |
| Cash dividends to net income (ytd only)* | 48.1065% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4803% | 6,669 |
| Loan loss allowance to noncurrent loans | 430.1255% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 6,280 |
| Noncurrent loans to loans | 0.1117% | 5,995 |
| Net loans and leases to total assets | 46.8699% | 5,458 |
| Net loans and leases to deposits | 51.3607% | 5,757 |
| Net loans and leases to core deposits | 57.3821% | 5,500 |
| Total domestic deposits to total assets | 91.2563% | 439 |
| Equity capital to assets | 8.0582% | 6,115 |
| Core capital (leverage) ratio | 7.4859% | 6,451 |
| Tier 1 risk-based capital ratio | 13.4296% | 4,811 |
| Total risk-based capital ratio | 13.8246% | 5,355 |
| Memoranda: | ||
| Average total assets | $1,162,302,750 | 564 |
| Average earning assets | $1,102,156,000 | 540 |
| Average equity | $113,406,750 | 627 |
| Average total loans | $647,427,750 | 651 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0220% | 6,428 |
| Cost of funding earning assets | 0.5366% | 3,530 |
| Net interest margin | 2.4854% | 6,463 |
| Noninterest income to average assets | 2.7656% | 282 |
| Noninterest expense to average assets | 1.0558% | 6,868 |
| Loan and lease loss provision to assets | 0.0603% | 3,802 |
| Net operating income to assets | 4.0040% | 64 |
| Return on assets (ROA) | 4.0040% | 68 |
| Pretax return on assets | 4.0040% | 83 |
| Return on Equity (ROE) | 38.2722% | 34 |
| Retained earnings to average equity (ytd only) | 18.5601% | 113 |
| Net charge-offs to loans | 0.0705% | 3,703 |
| Credit loss provision to net charge-offs | 144.1048% | 1,583 |
| Earnings coverage of net charge-offs (x) | 97.1965% | 478 |
| Efficiency ratio | 20.6205% | 6,916 |
| Assets per employee ($millions) | 14.4224% | 88 |
| Cash dividends to net income (ytd only)* | 51.5049% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4234% | 6,755 |
| Loan loss allowance to noncurrent loans | 422.1429% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 6,226 |
| Noncurrent loans to loans | 0.1003% | 6,096 |
| Net loans and leases to total assets | 60.2286% | 3,614 |
| Net loans and leases to deposits | 67.8201% | 4,044 |
| Net loans and leases to core deposits | 75.7671% | 3,570 |
| Total domestic deposits to total assets | 88.8065% | 1,727 |
| Equity capital to assets | 10.3541% | 3,487 |
| Core capital (leverage) ratio | 9.5495% | 4,162 |
| Tier 1 risk-based capital ratio | 13.6924% | 4,646 |
| Total risk-based capital ratio | 14.0444% | 5,228 |
| Memoranda: | ||
| Average total assets | $1,095,301,000 | 607 |
| Average earning assets | $1,037,574,330 | 575 |
| Average equity | $114,589,670 | 625 |
| Average total loans | $649,215,330 | 648 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9513% | 6,563 |
| Cost of funding earning assets | 0.5551% | 3,518 |
| Net interest margin | 2.3961% | 6,604 |
| Noninterest income to average assets | 2.6299% | 297 |
| Noninterest expense to average assets | 1.1125% | 6,931 |
| Loan and lease loss provision to assets | 0.0619% | 3,599 |
| Net operating income to assets | 3.7293% | 70 |
| Return on assets (ROA) | 3.7293% | 76 |
| Pretax return on assets | 3.7293% | 97 |
| Return on Equity (ROE) | 35.4483% | 49 |
| Retained earnings to average equity (ytd only) | 20.5293% | 123 |
| Net charge-offs to loans | 0.0256% | 3,672 |
| Credit loss provision to net charge-offs | 412.5000% | 626 |
| Earnings coverage of net charge-offs (x) | 252.6000% | 150 |
| Efficiency ratio | 22.6873% | 6,984 |
| Assets per employee ($millions) | 16.3908% | 74 |
| Cash dividends to net income (ytd only)* | 42.0867% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4509% | 6,827 |
| Loan loss allowance to noncurrent loans | 198.4677% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 6,124 |
| Noncurrent loans to loans | 0.2272% | 5,847 |
| Net loans and leases to total assets | 54.9730% | 4,245 |
| Net loans and leases to deposits | 61.2518% | 4,650 |
| Net loans and leases to core deposits | 75.7026% | 3,364 |
| Total domestic deposits to total assets | 89.7492% | 1,184 |
| Equity capital to assets | 9.6120% | 4,693 |
| Core capital (leverage) ratio | 9.4440% | 4,176 |
| Tier 1 risk-based capital ratio | 14.1484% | 4,397 |
| Total risk-based capital ratio | 14.5303% | 4,980 |
| Memoranda: | ||
| Average total assets | $1,066,055,500 | 625 |
| Average earning assets | $1,011,623,000 | 598 |
| Average equity | $112,152,000 | 646 |
| Average total loans | $624,889,000 | 670 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2289% | 6,648 |
| Cost of funding earning assets | 0.6311% | 4,088 |
| Net interest margin | 2.5978% | 6,634 |
| Noninterest income to average assets | 4.1472% | 178 |
| Noninterest expense to average assets | 1.3385% | 6,938 |
| Loan and lease loss provision to assets | 0.1504% | 3,726 |
| Net operating income to assets | 5.1158% | 44 |
| Return on assets (ROA) | 5.1158% | 44 |
| Pretax return on assets | 5.1158% | 56 |
| Return on Equity (ROE) | 53.1911% | 14 |
| Retained earnings to average equity (ytd only) | 42.2328% | 7 |
| Net charge-offs to loans | 0.0544% | 5,170 |
| Credit loss provision to net charge-offs | 451.9573% | 532 |
| Earnings coverage of net charge-offs (x) | 158.2740% | 265 |
| Efficiency ratio | 20.2657% | 7,054 |
| Assets per employee ($millions) | 12.6430% | 132 |
| Cash dividends to net income (ytd only)* | 20.6018% | 3,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4845% | 6,849 |
| Loan loss allowance to noncurrent loans | 170.6938% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 6,040 |
| Noncurrent loans to loans | 0.2839% | 5,771 |
| Net loans and leases to total assets | 62.6538% | 3,141 |
| Net loans and leases to deposits | 71.8735% | 3,432 |
| Net loans and leases to core deposits | 74.3623% | 3,735 |
| Total domestic deposits to total assets | 87.1722% | 2,725 |
| Equity capital to assets | 11.6818% | 2,287 |
| Core capital (leverage) ratio | 9.3259% | 4,366 |
| Tier 1 risk-based capital ratio | 15.0573% | 3,686 |
| Total risk-based capital ratio | 15.4670% | 4,186 |
| Memoranda: | ||
| Average total assets | $844,541,200 | 776 |
| Average earning assets | $798,912,800 | 747 |
| Average equity | $81,226,000 | 863 |
| Average total loans | $516,316,000 | 801 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0876% | 6,855 |
| Cost of funding earning assets | 0.6391% | 4,288 |
| Net interest margin | 2.4485% | 6,863 |
| Noninterest income to average assets | 3.7342% | 193 |
| Noninterest expense to average assets | 1.2546% | 7,062 |
| Loan and lease loss provision to assets | 0.1720% | 3,410 |
| Net operating income to assets | 4.6256% | 50 |
| Return on assets (ROA) | 4.6256% | 51 |
| Pretax return on assets | 4.6256% | 65 |
| Return on Equity (ROE) | 51.2232% | 13 |
| Retained earnings to average equity (ytd only) | 35.3173% | 22 |
| Net charge-offs to loans | 0.0760% | 4,646 |
| Credit loss provision to net charge-offs | 373.2394% | 725 |
| Earnings coverage of net charge-offs (x) | 104.1189% | 404 |
| Efficiency ratio | 20.7302% | 7,151 |
| Assets per employee ($millions) | 16.0911% | 74 |
| Cash dividends to net income (ytd only)* | 31.0523% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4052% | 7,012 |
| Loan loss allowance to noncurrent loans | 210.7741% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 6,437 |
| Noncurrent loans to loans | 0.1923% | 6,129 |
| Net loans and leases to total assets | 58.4615% | 4,052 |
| Net loans and leases to deposits | 64.6174% | 4,640 |
| Net loans and leases to core deposits | 86.2266% | 2,430 |
| Total domestic deposits to total assets | 90.4732% | 606 |
| Equity capital to assets | 8.5249% | 6,239 |
| Core capital (leverage) ratio | 9.4340% | 4,371 |
| Tier 1 risk-based capital ratio | 11.7709% | 6,070 |
| Total risk-based capital ratio | 12.1131% | 6,513 |
| Memoranda: | ||
| Average total assets | $821,781,500 | 807 |
| Average earning assets | $777,978,000 | 772 |
| Average equity | $74,209,250 | 961 |
| Average total loans | $498,137,500 | 833 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1821% | 6,884 |
| Cost of funding earning assets | 0.6899% | 4,096 |
| Net interest margin | 2.4923% | 6,894 |
| Noninterest income to average assets | 4.1488% | 174 |
| Noninterest expense to average assets | 1.3407% | 7,086 |
| Loan and lease loss provision to assets | 0.1158% | 4,077 |
| Net operating income to assets | 5.0393% | 46 |
| Return on assets (ROA) | 5.0393% | 46 |
| Pretax return on assets | 5.0393% | 59 |
| Return on Equity (ROE) | 54.2557% | 14 |
| Retained earnings to average equity (ytd only) | 39.7058% | 28 |
| Net charge-offs to loans | 0.0389% | 4,830 |
| Credit loss provision to net charge-offs | 482.7586% | 624 |
| Earnings coverage of net charge-offs (x) | 214.9770% | 205 |
| Efficiency ratio | 20.6390% | 7,213 |
| Assets per employee ($millions) | 12.7673% | 124 |
| Cash dividends to net income (ytd only)* | 26.8173% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3913% | 7,085 |
| Loan loss allowance to noncurrent loans | 137.3750% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 6,313 |
| Noncurrent loans to loans | 0.2849% | 5,999 |
| Net loans and leases to total assets | 66.3929% | 2,596 |
| Net loans and leases to deposits | 74.3179% | 3,236 |
| Net loans and leases to core deposits | 94.7858% | 1,525 |
| Total domestic deposits to total assets | 89.3364% | 1,311 |
| Equity capital to assets | 8.7010% | 6,027 |
| Core capital (leverage) ratio | 10.0632% | 3,337 |
| Tier 1 risk-based capital ratio | 14.9895% | 3,774 |
| Total risk-based capital ratio | 15.4420% | 4,273 |
| Memoranda: | ||
| Average total assets | $725,614,330 | 919 |
| Average earning assets | $683,316,000 | 893 |
| Average equity | $67,395,670 | 1,041 |
| Average total loans | $446,940,330 | 931 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3623% | 6,847 |
| Cost of funding earning assets | 0.7106% | 4,193 |
| Net interest margin | 2.6517% | 6,833 |
| Noninterest income to average assets | 4.5318% | 148 |
| Noninterest expense to average assets | 1.4756% | 7,073 |
| Loan and lease loss provision to assets | 0.1229% | 3,804 |
| Net operating income to assets | 5.4235% | 42 |
| Return on assets (ROA) | 5.4235% | 46 |
| Pretax return on assets | 5.4235% | 56 |
| Return on Equity (ROE) | 56.1500% | 21 |
| Retained earnings to average equity (ytd only) | 55.6596% | 16 |
| Net charge-offs to loans | 0.0513% | 3,987 |
| Credit loss provision to net charge-offs | 410.0000% | 769 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 201 |
| Efficiency ratio | 21.0144% | 7,273 |
| Assets per employee ($millions) | 11.1622% | 174 |
| Cash dividends to net income (ytd only)* | 0.8734% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5091% | 7,060 |
| Loan loss allowance to noncurrent loans | 99.1654% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 6,188 |
| Noncurrent loans to loans | 0.5134% | 5,642 |
| Net loans and leases to total assets | 54.4103% | 4,652 |
| Net loans and leases to deposits | 61.2639% | 5,012 |
| Net loans and leases to core deposits | 76.3611% | 3,577 |
| Total domestic deposits to total assets | 88.8131% | 1,810 |
| Equity capital to assets | 9.4992% | 4,810 |
| Core capital (leverage) ratio | 10.6734% | 2,579 |
| Tier 1 risk-based capital ratio | 17.5465% | 2,462 |
| Total risk-based capital ratio | 18.0648% | 2,710 |
| Memoranda: | ||
| Average total assets | $667,101,500 | 988 |
| Average earning assets | $626,477,000 | 962 |
| Average equity | $64,434,500 | 1,091 |
| Average total loans | $389,585,000 | 1,086 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2385% | 7,109 |
| Cost of funding earning assets | 0.8392% | 4,553 |
| Net interest margin | 2.3993% | 7,103 |
| Noninterest income to average assets | 2.8253% | 225 |
| Noninterest expense to average assets | 1.8045% | 6,947 |
| Loan and lease loss provision to assets | 0.1410% | 4,853 |
| Net operating income to assets | 3.0955% | 80 |
| Return on assets (ROA) | 3.0997% | 80 |
| Pretax return on assets | 3.0997% | 114 |
| Return on Equity (ROE) | 28.1149% | 56 |
| Retained earnings to average equity (ytd only) | 15.9946% | 97 |
| Net charge-offs to loans | 0.2286% | 4,355 |
| Credit loss provision to net charge-offs | 119.0323% | 2,691 |
| Earnings coverage of net charge-offs (x) | 27.3145% | 913 |
| Efficiency ratio | 35.7963% | 7,257 |
| Assets per employee ($millions) | 9.5103% | 276 |
| Cash dividends to net income (ytd only)* | 43.1099% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4877% | 7,113 |
| Loan loss allowance to noncurrent loans | 72.5963% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 5,916 |
| Noncurrent loans to loans | 0.6718% | 5,353 |
| Net loans and leases to total assets | 62.5168% | 3,503 |
| Net loans and leases to deposits | 71.7123% | 3,843 |
| Net loans and leases to core deposits | 98.6618% | 1,289 |
| Total domestic deposits to total assets | 87.1772% | 2,657 |
| Equity capital to assets | 9.8492% | 4,371 |
| Core capital (leverage) ratio | 10.4599% | 2,776 |
| Tier 1 risk-based capital ratio | 16.2675% | 2,920 |
| Total risk-based capital ratio | 16.7780% | 3,256 |
| Memoranda: | ||
| Average total assets | $523,244,400 | 1,279 |
| Average earning assets | $483,217,200 | 1,264 |
| Average equity | $57,688,200 | 1,178 |
| Average total loans | $271,172,200 | 1,560 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2170% | 7,204 |
| Cost of funding earning assets | 0.8768% | 4,571 |
| Net interest margin | 2.3402% | 7,201 |
| Noninterest income to average assets | 3.9498% | 159 |
| Noninterest expense to average assets | 1.7382% | 7,059 |
| Loan and lease loss provision to assets | 0.1270% | 4,845 |
| Net operating income to assets | 4.2359% | 55 |
| Return on assets (ROA) | 4.2417% | 56 |
| Pretax return on assets | 4.2417% | 77 |
| Return on Equity (ROE) | 37.2682% | 27 |
| Retained earnings to average equity (ytd only) | 26.8979% | 30 |
| Net charge-offs to loans | 0.3446% | 3,376 |
| Credit loss provision to net charge-offs | 75.9936% | 4,276 |
| Earnings coverage of net charge-offs (x) | 26.1096% | 1,028 |
| Efficiency ratio | 28.4899% | 7,374 |
| Assets per employee ($millions) | 8.7915% | 358 |
| Cash dividends to net income (ytd only)* | 27.8261% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4718% | 7,182 |
| Loan loss allowance to noncurrent loans | 59.4635% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 5,835 |
| Noncurrent loans to loans | 0.7935% | 5,289 |
| Net loans and leases to total assets | 62.7750% | 3,550 |
| Net loans and leases to deposits | 73.0307% | 3,806 |
| Net loans and leases to core deposits | 88.7821% | 2,395 |
| Total domestic deposits to total assets | 85.9570% | 3,234 |
| Equity capital to assets | 11.6101% | 2,578 |
| Core capital (leverage) ratio | 12.4027% | 1,480 |
| Tier 1 risk-based capital ratio | 18.4583% | 2,100 |
| Total risk-based capital ratio | 18.9356% | 2,336 |
| Memoranda: | ||
| Average total assets | $501,890,750 | 1,339 |
| Average earning assets | $461,364,250 | 1,331 |
| Average equity | $57,123,250 | 1,189 |
| Average total loans | $243,370,500 | 1,732 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0689% | 7,319 |
| Cost of funding earning assets | 0.9185% | 4,527 |
| Net interest margin | 2.1504% | 7,329 |
| Noninterest income to average assets | 4.1274% | 164 |
| Noninterest expense to average assets | 1.6736% | 7,203 |
| Loan and lease loss provision to assets | 0.1183% | 4,794 |
| Net operating income to assets | 4.3089% | 59 |
| Return on assets (ROA) | 4.3179% | 60 |
| Pretax return on assets | 4.3179% | 83 |
| Return on Equity (ROE) | 38.2169% | 39 |
| Retained earnings to average equity (ytd only) | 28.9695% | 43 |
| Net charge-offs to loans | 0.1634% | 4,194 |
| Credit loss provision to net charge-offs | 167.6301% | 1,805 |
| Earnings coverage of net charge-offs (x) | 62.7514% | 524 |
| Efficiency ratio | 27.4332% | 7,452 |
| Assets per employee ($millions) | 8.2892% | 415 |
| Cash dividends to net income (ytd only)* | 24.1972% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 6,881 |
| Loan loss allowance to noncurrent loans | 51.8066% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 5,458 |
| Noncurrent loans to loans | 1.5312% | 4,121 |
| Net loans and leases to total assets | 46.8717% | 6,169 |
| Net loans and leases to deposits | 54.7691% | 6,243 |
| Net loans and leases to core deposits | 64.7142% | 5,643 |
| Total domestic deposits to total assets | 85.5807% | 3,577 |
| Equity capital to assets | 11.8268% | 2,223 |
| Core capital (leverage) ratio | 12.7024% | 1,288 |
| Tier 1 risk-based capital ratio | 19.9201% | 1,624 |
| Total risk-based capital ratio | 20.5578% | 1,729 |
| Memoranda: | ||
| Average total assets | $490,427,000 | 1,369 |
| Average earning assets | $450,062,330 | 1,360 |
| Average equity | $55,410,000 | 1,211 |
| Average total loans | $211,745,000 | 1,984 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8775% | 7,424 |
| Cost of funding earning assets | 0.9168% | 4,798 |
| Net interest margin | 1.9607% | 7,417 |
| Noninterest income to average assets | 5.1338% | 133 |
| Noninterest expense to average assets | 1.6215% | 7,290 |
| Loan and lease loss provision to assets | 0.1191% | 4,524 |
| Net operating income to assets | 5.1922% | 50 |
| Return on assets (ROA) | 5.2094% | 51 |
| Pretax return on assets | 5.2094% | 72 |
| Return on Equity (ROE) | 47.2363% | 36 |
| Retained earnings to average equity (ytd only) | 46.4989% | 29 |
| Net charge-offs to loans | 0.3478% | 2,673 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 37.1609% | 718 |
| Efficiency ratio | 23.3886% | 7,519 |
| Assets per employee ($millions) | 9.6717% | 271 |
| Cash dividends to net income (ytd only)* | 1.5610% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9047% | 6,685 |
| Loan loss allowance to noncurrent loans | 51.2072% | 4,943 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 5,726 |
| Noncurrent loans to loans | 1.7667% | 3,871 |
| Net loans and leases to total assets | 34.7447% | 7,060 |
| Net loans and leases to deposits | 40.3476% | 7,082 |
| Net loans and leases to core deposits | 54.7830% | 6,503 |
| Total domestic deposits to total assets | 86.1134% | 3,456 |
| Equity capital to assets | 10.4807% | 3,198 |
| Core capital (leverage) ratio | 12.2038% | 1,456 |
| Tier 1 risk-based capital ratio | 20.2810% | 1,526 |
| Total risk-based capital ratio | 20.8984% | 1,635 |
| Memoranda: | ||
| Average total assets | $486,964,000 | 1,385 |
| Average earning assets | $446,776,500 | 1,383 |
| Average equity | $53,704,500 | 1,246 |
| Average total loans | $200,126,500 | 2,107 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4290% | 7,408 |
| Cost of funding earning assets | 0.9342% | 6,013 |
| Net interest margin | 2.4948% | 7,276 |
| Noninterest income to average assets | 5.5564% | 124 |
| Noninterest expense to average assets | 1.8358% | 7,230 |
| Loan and lease loss provision to assets | 0.1399% | 5,783 |
| Net operating income to assets | 5.8469% | 27 |
| Return on assets (ROA) | 5.8513% | 28 |
| Pretax return on assets | 5.8513% | 40 |
| Return on Equity (ROE) | 52.6283% | 12 |
| Retained earnings to average equity (ytd only) | 24.1897% | 28 |
| Net charge-offs to loans | 0.0447% | 6,360 |
| Credit loss provision to net charge-offs | 743.5897% | 290 |
| Earnings coverage of net charge-offs (x) | 318.2949% | 71 |
| Efficiency ratio | 23.4679% | 7,615 |
| Assets per employee ($millions) | 8.3137% | 429 |
| Cash dividends to net income (ytd only)* | 54.0367% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 6,905 |
| Loan loss allowance to noncurrent loans | 58.8473% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 0.6863% | 5,630 |
| Noncurrent loans to loans | 1.4105% | 4,366 |
| Net loans and leases to total assets | 48.2536% | 6,366 |
| Net loans and leases to deposits | 57.2744% | 6,329 |
| Net loans and leases to core deposits | 65.4578% | 5,930 |
| Total domestic deposits to total assets | 84.2498% | 4,246 |
| Equity capital to assets | 11.7147% | 2,116 |
| Core capital (leverage) ratio | 11.8675% | 1,637 |
| Tier 1 risk-based capital ratio | 19.2170% | 1,669 |
| Total risk-based capital ratio | 19.8858% | 1,778 |
| Memoranda: | ||
| Average total assets | $414,696,200 | 1,596 |
| Average earning assets | $376,701,600 | 1,599 |
| Average equity | $46,106,400 | 1,456 |
| Average total loans | $174,568,000 | 2,407 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3290% | 7,575 |
| Cost of funding earning assets | 0.9135% | 6,340 |
| Net interest margin | 2.4155% | 7,427 |
| Noninterest income to average assets | 5.5195% | 125 |
| Noninterest expense to average assets | 1.6583% | 7,462 |
| Loan and lease loss provision to assets | 0.1414% | 5,617 |
| Net operating income to assets | 5.9127% | 25 |
| Return on assets (ROA) | 5.9186% | 25 |
| Pretax return on assets | 5.9186% | 37 |
| Return on Equity (ROE) | 53.9967% | 12 |
| Retained earnings to average equity (ytd only) | 36.2468% | 13 |
| Net charge-offs to loans | 0.0427% | 6,111 |
| Credit loss provision to net charge-offs | 820.7547% | 364 |
| Earnings coverage of net charge-offs (x) | 351.5338% | 89 |
| Efficiency ratio | 21.5017% | 7,722 |
| Assets per employee ($millions) | 9.4644% | 305 |
| Cash dividends to net income (ytd only)* | 32.8721% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 7,024 |
| Loan loss allowance to noncurrent loans | 70.6470% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4867% | 6,210 |
| Noncurrent loans to loans | 1.1205% | 4,994 |
| Net loans and leases to total assets | 43.0893% | 6,898 |
| Net loans and leases to deposits | 50.1187% | 7,005 |
| Net loans and leases to core deposits | 71.7592% | 5,541 |
| Total domestic deposits to total assets | 85.9744% | 3,090 |
| Equity capital to assets | 10.9410% | 3,013 |
| Core capital (leverage) ratio | 13.4718% | 1,069 |
| Tier 1 risk-based capital ratio | 17.6184% | 2,134 |
| Total risk-based capital ratio | 18.1775% | 2,326 |
| Memoranda: | ||
| Average total assets | $410,292,250 | 1,638 |
| Average earning assets | $372,474,000 | 1,644 |
| Average equity | $44,972,000 | 1,493 |
| Average total loans | $165,622,000 | 2,583 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 7,656 |
| Cost of funding earning assets | 0.9578% | 6,346 |
| Net interest margin | 2.3513% | 7,505 |
| Noninterest income to average assets | 5.3499% | 130 |
| Noninterest expense to average assets | 1.6840% | 7,510 |
| Loan and lease loss provision to assets | 0.1490% | 5,410 |
| Net operating income to assets | 5.6407% | 28 |
| Return on assets (ROA) | 5.6499% | 28 |
| Pretax return on assets | 5.6499% | 44 |
| Return on Equity (ROE) | 51.5077% | 15 |
| Retained earnings to average equity (ytd only) | 36.2539% | 17 |
| Net charge-offs to loans | 0.0722% | 5,419 |
| Credit loss provision to net charge-offs | 527.2727% | 700 |
| Earnings coverage of net charge-offs (x) | 204.9091% | 166 |
| Efficiency ratio | 22.5323% | 7,785 |
| Assets per employee ($millions) | 9.1763% | 326 |
| Cash dividends to net income (ytd only)* | 29.6145% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 6,835 |
| Loan loss allowance to noncurrent loans | 63.5739% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 0.5178% | 6,171 |
| Noncurrent loans to loans | 1.3775% | 4,640 |
| Net loans and leases to total assets | 37.2578% | 7,304 |
| Net loans and leases to deposits | 43.1638% | 7,346 |
| Net loans and leases to core deposits | 66.8477% | 6,168 |
| Total domestic deposits to total assets | 86.3174% | 2,921 |
| Equity capital to assets | 10.5716% | 3,322 |
| Core capital (leverage) ratio | 13.6375% | 1,021 |
| Tier 1 risk-based capital ratio | 14.7283% | 3,314 |
| Total risk-based capital ratio | 15.1942% | 3,734 |
| Memoranda: | ||
| Average total assets | $389,315,670 | 1,732 |
| Average earning assets | $351,630,330 | 1,737 |
| Average equity | $42,704,330 | 1,553 |
| Average total loans | $152,317,670 | 2,793 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 7,711 |
| Cost of funding earning assets | 0.9561% | 6,554 |
| Net interest margin | 2.5239% | 7,453 |
| Noninterest income to average assets | 2.9057% | 218 |
| Noninterest expense to average assets | 1.7586% | 7,515 |
| Loan and lease loss provision to assets | 0.1615% | 4,913 |
| Net operating income to assets | 3.2376% | 79 |
| Return on assets (ROA) | 3.2632% | 78 |
| Pretax return on assets | 3.2632% | 114 |
| Return on Equity (ROE) | 29.0895% | 98 |
| Retained earnings to average equity (ytd only) | 13.5519% | 552 |
| Net charge-offs to loans | 0.1556% | 3,993 |
| Credit loss provision to net charge-offs | 258.9286% | 1,505 |
| Earnings coverage of net charge-offs (x) | 54.5000% | 532 |
| Efficiency ratio | 34.0963% | 7,813 |
| Assets per employee ($millions) | 6.6536% | 926 |
| Cash dividends to net income (ytd only)* | 53.4130% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 6,769 |
| Loan loss allowance to noncurrent loans | 35.4787% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 1.1533% | 4,858 |
| Noncurrent loans to loans | 2.5978% | 3,072 |
| Net loans and leases to total assets | 43.9847% | 6,993 |
| Net loans and leases to deposits | 55.8078% | 6,790 |
| Net loans and leases to core deposits | 63.3880% | 6,499 |
| Total domestic deposits to total assets | 78.8146% | 6,114 |
| Equity capital to assets | 12.5674% | 1,715 |
| Core capital (leverage) ratio | 13.0051% | 1,210 |
| Tier 1 risk-based capital ratio | 18.8978% | 1,743 |
| Total risk-based capital ratio | 19.5217% | 1,851 |
| Memoranda: | ||
| Average total assets | $359,155,000 | 1,908 |
| Average earning assets | $320,453,500 | 1,944 |
| Average equity | $40,289,500 | 1,667 |
| Average total loans | $143,974,000 | 3,003 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5100% | 7,830 |
| Cost of funding earning assets | 1.2507% | 6,470 |
| Net interest margin | 2.2593% | 7,613 |
| Noninterest income to average assets | 3.5636% | 191 |
| Noninterest expense to average assets | 2.4838% | 6,193 |
| Loan and lease loss provision to assets | 0.2897% | 5,110 |
| Net operating income to assets | 2.7914% | 64 |
| Return on assets (ROA) | 4.5353% | 33 |
| Pretax return on assets | 4.5353% | 47 |
| Return on Equity (ROE) | 36.2139% | 25 |
| Retained earnings to average equity (ytd only) | 30.6675% | 17 |
| Net charge-offs to loans | 0.2251% | 5,213 |
| Credit loss provision to net charge-offs | 327.0386% | 1,000 |
| Earnings coverage of net charge-offs (x) | 34.7811% | 677 |
| Efficiency ratio | 44.6335% | 7,760 |
| Assets per employee ($millions) | 8.1726% | 478 |
| Cash dividends to net income (ytd only)* | 15.3156% | 3,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,922 |
| Loan loss allowance to noncurrent loans | 48.5380% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 0.6539% | 5,829 |
| Noncurrent loans to loans | 1.7911% | 3,955 |
| Net loans and leases to total assets | 36.1899% | 7,512 |
| Net loans and leases to deposits | 46.6714% | 7,413 |
| Net loans and leases to core deposits | 58.2281% | 7,335 |
| Total domestic deposits to total assets | 77.5420% | 6,338 |
| Equity capital to assets | 10.0963% | 3,623 |
| Core capital (leverage) ratio | 14.2202% | 945 |
| Tier 1 risk-based capital ratio | 17.7757% | 1,950 |
| Total risk-based capital ratio | 18.3425% | 2,088 |
| Memoranda: | ||
| Average total assets | $263,024,200 | 2,489 |
| Average earning assets | $232,993,400 | 2,572 |
| Average equity | $32,940,400 | 2,035 |
| Average total loans | $103,521,800 | 3,855 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 7,871 |
| Cost of funding earning assets | 1.3902% | 6,269 |
| Net interest margin | 2.4019% | 7,561 |
| Noninterest income to average assets | 2.2822% | 304 |
| Noninterest expense to average assets | 2.7526% | 5,095 |
| Loan and lease loss provision to assets | 0.3514% | 4,214 |
| Net operating income to assets | 1.3049% | 1,204 |
| Return on assets (ROA) | 3.1548% | 61 |
| Pretax return on assets | 3.1548% | 95 |
| Return on Equity (ROE) | 23.2733% | 161 |
| Retained earnings to average equity (ytd only) | 16.0172% | 127 |
| Net charge-offs to loans | 0.1994% | 4,814 |
| Credit loss provision to net charge-offs | 434.2857% | 916 |
| Earnings coverage of net charge-offs (x) | 20.4717% | 1,236 |
| Efficiency ratio | 62.4328% | 6,029 |
| Assets per employee ($millions) | 5.6157% | 1,501 |
| Cash dividends to net income (ytd only)* | 31.1779% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 6,205 |
| Loan loss allowance to noncurrent loans | 44.0476% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 1.0406% | 4,997 |
| Noncurrent loans to loans | 2.2989% | 3,268 |
| Net loans and leases to total assets | 44.8049% | 7,191 |
| Net loans and leases to deposits | 58.5646% | 6,931 |
| Net loans and leases to core deposits | 67.5101% | 7,091 |
| Total domestic deposits to total assets | 76.5051% | 6,473 |
| Equity capital to assets | 12.9959% | 1,700 |
| Core capital (leverage) ratio | 13.0996% | 1,348 |
| Tier 1 risk-based capital ratio | 20.2718% | 1,501 |
| Total risk-based capital ratio | 21.0239% | 1,560 |
| Memoranda: | ||
| Average total assets | $230,709,500 | 2,839 |
| Average earning assets | $204,280,500 | 2,928 |
| Average equity | $31,274,000 | 2,165 |
| Average total loans | $93,599,250 | 4,161 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 7,978 |
| Cost of funding earning assets | 1.4566% | 6,304 |
| Net interest margin | 2.3073% | 7,671 |
| Noninterest income to average assets | 2.2762% | 303 |
| Noninterest expense to average assets | 2.4785% | 6,186 |
| Loan and lease loss provision to assets | 0.4226% | 3,433 |
| Net operating income to assets | 1.4176% | 984 |
| Return on assets (ROA) | 3.8879% | 39 |
| Pretax return on assets | 3.8879% | 55 |
| Return on Equity (ROE) | 28.2284% | 88 |
| Retained earnings to average equity (ytd only) | 22.2365% | 58 |
| Net charge-offs to loans | 0.3262% | 3,549 |
| Credit loss provision to net charge-offs | 334.2857% | 1,386 |
| Earnings coverage of net charge-offs (x) | 14.5571% | 1,643 |
| Efficiency ratio | 57.3908% | 6,950 |
| Assets per employee ($millions) | 5.4865% | 1,591 |
| Cash dividends to net income (ytd only)* | 21.2262% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 6,881 |
| Loan loss allowance to noncurrent loans | 44.6015% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8863% | 5,216 |
| Noncurrent loans to loans | 1.9602% | 3,577 |
| Net loans and leases to total assets | 44.8167% | 7,279 |
| Net loans and leases to deposits | 65.4718% | 6,439 |
| Net loans and leases to core deposits | 81.2269% | 6,303 |
| Total domestic deposits to total assets | 68.4518% | 7,591 |
| Equity capital to assets | 12.6921% | 1,840 |
| Core capital (leverage) ratio | 13.9823% | 1,145 |
| Tier 1 risk-based capital ratio | 20.2369% | 1,527 |
| Total risk-based capital ratio | 20.9046% | 1,604 |
| Memoranda: | ||
| Average total assets | $221,506,000 | 2,955 |
| Average earning assets | $196,070,670 | 3,058 |
| Average equity | $30,508,330 | 2,231 |
| Average total loans | $85,824,330 | 4,406 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 8,026 |
| Cost of funding earning assets | 1.7206% | 5,516 |
| Net interest margin | 2.1246% | 7,839 |
| Noninterest income to average assets | 3.1488% | 201 |
| Noninterest expense to average assets | 3.3622% | 2,465 |
| Loan and lease loss provision to assets | 0.6322% | 1,999 |
| Net operating income to assets | 1.0210% | 2,227 |
| Return on assets (ROA) | 6.4432% | 23 |
| Pretax return on assets | 6.4432% | 29 |
| Return on Equity (ROE) | 44.4888% | 35 |
| Retained earnings to average equity (ytd only) | 36.8468% | 30 |
| Net charge-offs to loans | 0.8034% | 1,610 |
| Credit loss provision to net charge-offs | 228.0576% | 2,005 |
| Earnings coverage of net charge-offs (x) | 5.9640% | 2,575 |
| Efficiency ratio | 67.0378% | 5,137 |
| Assets per employee ($millions) | 5.3899% | 1,658 |
| Cash dividends to net income (ytd only)* | 17.1773% | 2,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 6,559 |
| Loan loss allowance to noncurrent loans | 52.3364% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 5,386 |
| Noncurrent loans to loans | 1.7953% | 3,568 |
| Net loans and leases to total assets | 38.9466% | 7,618 |
| Net loans and leases to deposits | 56.5308% | 7,130 |
| Net loans and leases to core deposits | 63.4866% | 7,332 |
| Total domestic deposits to total assets | 68.8944% | 7,530 |
| Equity capital to assets | 13.2949% | 1,618 |
| Core capital (leverage) ratio | 13.8860% | 1,212 |
| Tier 1 risk-based capital ratio | 21.6218% | 1,353 |
| Total risk-based capital ratio | 22.2345% | 1,426 |
| Memoranda: | ||
| Average total assets | $200,582,500 | 3,237 |
| Average earning assets | $176,221,000 | 3,335 |
| Average equity | $29,050,000 | 2,343 |
| Average total loans | $69,203,000 | 5,010 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 8,056 |
| Cost of funding earning assets | 2.0346% | 6,303 |
| Net interest margin | 2.3227% | 7,899 |
| Noninterest income to average assets | 3.1174% | 192 |
| Noninterest expense to average assets | 1.7742% | 7,780 |
| Loan and lease loss provision to assets | 0.1814% | 5,085 |
| Net operating income to assets | 3.2046% | 60 |
| Return on assets (ROA) | 3.2861% | 56 |
| Pretax return on assets | 3.2861% | 80 |
| Return on Equity (ROE) | 18.7226% | 473 |
| Retained earnings to average equity (ytd only) | -12.0017% | 7,245 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3819% | 8,208 |
| Assets per employee ($millions) | 5.4697% | 1,476 |
| Cash dividends to net income (ytd only)* | 164.1031% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 2,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 26.6858% | 8,059 |
| Net loans and leases to deposits | 39.6722% | 7,948 |
| Net loans and leases to core deposits | 40.8408% | 8,038 |
| Total domestic deposits to total assets | 67.2658% | 7,541 |
| Equity capital to assets | 16.2993% | 884 |
| Core capital (leverage) ratio | 16.0746% | 811 |
| Tier 1 risk-based capital ratio | 30.9856% | 592 |
| Total risk-based capital ratio | 31.8700% | 597 |
| Memoranda: | ||
| Average total assets | $157,086,200 | 3,771 |
| Average earning assets | $138,156,800 | 3,886 |
| Average equity | $27,571,000 | 2,430 |
| Average total loans | $35,545,000 | 6,390 |