Home > Nicolet National Bank > Performance and Condition Ratios
Nicolet National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1222% | 1,815 |
| Cost of funding earning assets | 1.7500% | 1,357 |
| Net interest margin | 3.3722% | 2,466 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.1173% | 3,367 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0613% | 2,038 |
| Return on assets (ROA) | 0.7649% | 2,973 |
| Pretax return on assets | 1.0854% | 2,451 |
| Return on Equity (ROE) | 5.9100% | 3,535 |
| Retained earnings to average equity (ytd only) | -0.4911% | 4,140 |
| Net charge-offs to loans | 0.0139% | 2,134 |
| Credit loss provision to net charge-offs | 304.9482% | 947 |
| Earnings coverage of net charge-offs (x) | 147.7641% | 715 |
| Efficiency ratio | 55.5889% | 3,537 |
| Assets per employee ($millions) | 8.9545% | 996 |
| Cash dividends to net income (ytd only)* | 108.3139% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 3,300 |
| Loan loss allowance to noncurrent loans | 238.9108% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 1,628 |
| Noncurrent loans to loans | 0.4188% | 1,732 |
| Net loans and leases to total assets | 74.4600% | 1,297 |
| Net loans and leases to deposits | 86.3551% | 1,592 |
| Net loans and leases to core deposits | 96.1066% | 1,648 |
| Total domestic deposits to total assets | 86.2300% | 1,940 |
| Equity capital to assets | 12.9621% | 864 |
| Core capital (leverage) ratio | 9.4361% | 3,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5465% | 2,703 |
| Memoranda: | ||
| Average total assets | $8,449,484,600 | 181 |
| Average earning assets | $7,469,474,200 | 180 |
| Average equity | $1,094,185,400 | 156 |
| Average total loans | $6,248,231,800 | 172 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9814% | 1,870 |
| Cost of funding earning assets | 1.6796% | 1,215 |
| Net interest margin | 3.3017% | 2,682 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 2.0552% | 3,452 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.0056% | 2,349 |
| Return on assets (ROA) | 0.5310% | 3,685 |
| Pretax return on assets | 0.8465% | 3,225 |
| Return on Equity (ROE) | 4.1000% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.1018% | 3,233 |
| Net charge-offs to loans | 0.0068% | 2,190 |
| Credit loss provision to net charge-offs | 517.2414% | 616 |
| Earnings coverage of net charge-offs (x) | 299.9718% | 447 |
| Efficiency ratio | 54.8858% | 3,502 |
| Assets per employee ($millions) | 8.5372% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0112% | 3,307 |
| Loan loss allowance to noncurrent loans | 214.0509% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 1,532 |
| Noncurrent loans to loans | 0.4724% | 1,642 |
| Net loans and leases to total assets | 73.6000% | 1,389 |
| Net loans and leases to deposits | 85.4681% | 1,618 |
| Net loans and leases to core deposits | 95.1863% | 1,602 |
| Total domestic deposits to total assets | 86.1100% | 2,152 |
| Equity capital to assets | 13.1289% | 785 |
| Core capital (leverage) ratio | 9.8947% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2078% | 2,545 |
| Memoranda: | ||
| Average total assets | $8,448,599,750 | 182 |
| Average earning assets | $7,470,599,750 | 182 |
| Average equity | $1,093,808,750 | 159 |
| Average total loans | $6,220,764,250 | 173 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7895% | 2,015 |
| Cost of funding earning assets | 1.5667% | 1,132 |
| Net interest margin | 3.2228% | 2,930 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.0441% | 3,478 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0829% | 2,167 |
| Return on assets (ROA) | 0.3723% | 4,066 |
| Pretax return on assets | 0.4775% | 4,003 |
| Return on Equity (ROE) | 2.8900% | 4,174 |
| Retained earnings to average equity (ytd only) | 2.8888% | 3,508 |
| Net charge-offs to loans | 0.0070% | 1,977 |
| Credit loss provision to net charge-offs | 550.4587% | 610 |
| Earnings coverage of net charge-offs (x) | 283.5826% | 472 |
| Efficiency ratio | 55.4623% | 3,482 |
| Assets per employee ($millions) | 8.8679% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0087% | 3,388 |
| Loan loss allowance to noncurrent loans | 248.4809% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 1,653 |
| Noncurrent loans to loans | 0.4060% | 1,714 |
| Net loans and leases to total assets | 72.7800% | 1,439 |
| Net loans and leases to deposits | 84.9647% | 1,591 |
| Net loans and leases to core deposits | 95.4145% | 1,497 |
| Total domestic deposits to total assets | 85.6600% | 2,343 |
| Equity capital to assets | 13.0086% | 810 |
| Core capital (leverage) ratio | 9.9024% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8198% | 2,676 |
| Memoranda: | ||
| Average total assets | $8,464,592,667 | 175 |
| Average earning assets | $7,487,304,000 | 176 |
| Average equity | $1,090,775,667 | 156 |
| Average total loans | $6,212,433,333 | 168 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 1,946 |
| Cost of funding earning assets | 1.5048% | 838 |
| Net interest margin | 3.1566% | 3,217 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.0393% | 3,525 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.0517% | 2,377 |
| Return on assets (ROA) | -0.3649% | 4,562 |
| Pretax return on assets | -0.5420% | 4,570 |
| Return on Equity (ROE) | -2.8500% | 4,521 |
| Retained earnings to average equity (ytd only) | -2.8452% | 4,239 |
| Net charge-offs to loans | 0.0108% | 1,537 |
| Credit loss provision to net charge-offs | 449.1018% | 584 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 544 |
| Efficiency ratio | 56.3698% | 3,369 |
| Assets per employee ($millions) | 8.6800% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 3,509 |
| Loan loss allowance to noncurrent loans | 160.4628% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 0.4998% | 1,035 |
| Noncurrent loans to loans | 0.6244% | 1,203 |
| Net loans and leases to total assets | 75.4100% | 1,031 |
| Net loans and leases to deposits | 88.2314% | 1,186 |
| Net loans and leases to core deposits | 94.3171% | 1,375 |
| Total domestic deposits to total assets | 85.4700% | 2,733 |
| Equity capital to assets | 13.2131% | 715 |
| Core capital (leverage) ratio | 9.1732% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3232% | 2,899 |
| Memoranda: | ||
| Average total assets | $8,462,474,500 | 180 |
| Average earning assets | $7,492,048,500 | 183 |
| Average equity | $1,085,323,500 | 160 |
| Average total loans | $6,205,337,500 | 173 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8694% | 2,064 |
| Cost of funding earning assets | 0.3572% | 2,423 |
| Net interest margin | 3.5122% | 1,892 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 1.9484% | 3,717 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.2008% | 1,764 |
| Return on assets (ROA) | 1.1985% | 1,714 |
| Pretax return on assets | 1.5995% | 1,172 |
| Return on Equity (ROE) | 9.3600% | 3,008 |
| Retained earnings to average equity (ytd only) | 2.5254% | 3,850 |
| Net charge-offs to loans | 0.0137% | 1,870 |
| Credit loss provision to net charge-offs | 1,500.0000% | 323 |
| Earnings coverage of net charge-offs (x) | 191.3260% | 666 |
| Efficiency ratio | 50.4978% | 4,102 |
| Assets per employee ($millions) | 9.2870% | 833 |
| Cash dividends to net income (ytd only)* | 73.0262% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,389 |
| Loan loss allowance to noncurrent loans | 162.3661% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 0.4579% | 1,109 |
| Noncurrent loans to loans | 0.6160% | 1,212 |
| Net loans and leases to total assets | 69.9600% | 1,643 |
| Net loans and leases to deposits | 84.5343% | 1,419 |
| Net loans and leases to core deposits | 90.6417% | 1,472 |
| Total domestic deposits to total assets | 82.7600% | 3,470 |
| Equity capital to assets | 12.4625% | 812 |
| Core capital (leverage) ratio | 9.1258% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3418% | 2,905 |
| Memoranda: | ||
| Average total assets | $7,998,313,000 | 187 |
| Average earning assets | $7,074,469,400 | 192 |
| Average equity | $1,023,848,200 | 165 |
| Average total loans | $5,334,873,000 | 184 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6321% | 2,253 |
| Cost of funding earning assets | 0.1933% | 3,355 |
| Net interest margin | 3.4388% | 1,844 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 1.9328% | 3,664 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.1596% | 1,856 |
| Return on assets (ROA) | 1.1599% | 1,830 |
| Pretax return on assets | 1.5433% | 1,292 |
| Return on Equity (ROE) | 8.9900% | 3,032 |
| Retained earnings to average equity (ytd only) | 2.3757% | 3,943 |
| Net charge-offs to loans | 0.0035% | 2,095 |
| Credit loss provision to net charge-offs | 6,842.1053% | 81 |
| Earnings coverage of net charge-offs (x) | 752.2180% | 218 |
| Efficiency ratio | 51.0283% | 4,086 |
| Assets per employee ($millions) | 9.2109% | 825 |
| Cash dividends to net income (ytd only)* | 73.5868% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,435 |
| Loan loss allowance to noncurrent loans | 157.4597% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.4557% | 1,187 |
| Noncurrent loans to loans | 0.6400% | 1,270 |
| Net loans and leases to total assets | 66.7600% | 1,809 |
| Net loans and leases to deposits | 79.7147% | 1,592 |
| Net loans and leases to core deposits | 86.0290% | 1,521 |
| Total domestic deposits to total assets | 83.7500% | 3,550 |
| Equity capital to assets | 12.1151% | 861 |
| Core capital (leverage) ratio | 9.9958% | 2,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3108% | 2,983 |
| Memoranda: | ||
| Average total assets | $7,810,801,250 | 189 |
| Average earning assets | $6,902,407,000 | 194 |
| Average equity | $1,007,244,500 | 167 |
| Average total loans | $5,123,096,000 | 188 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5728% | 1,922 |
| Cost of funding earning assets | 0.1427% | 3,669 |
| Net interest margin | 3.4301% | 1,514 |
| Noninterest income to average assets | 0.6655% | 1,479 |
| Noninterest expense to average assets | 1.9308% | 3,632 |
| Loan and lease loss provision to assets | 0.0282% | 2,083 |
| Net operating income to assets | 1.3049% | 1,124 |
| Return on assets (ROA) | 1.3052% | 1,102 |
| Pretax return on assets | 1.7304% | 698 |
| Return on Equity (ROE) | 9.8836% | 2,376 |
| Retained earnings to average equity (ytd only) | 4.8045% | 2,781 |
| Net charge-offs to loans | -0.0034% | 3,235 |
| Credit loss provision to net charge-offs | -1,084.3373% | 3,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3262% | 4,229 |
| Assets per employee ($millions) | 8.4896% | 1,070 |
| Cash dividends to net income (ytd only)* | 51.3896% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 3,528 |
| Loan loss allowance to noncurrent loans | 138.4773% | 3,090 |
| Noncurrent assets plus other real estate owned to assets | 0.5650% | 995 |
| Noncurrent loans to loans | 0.7340% | 1,172 |
| Net loans and leases to total assets | 67.0211% | 1,580 |
| Net loans and leases to deposits | 77.8815% | 1,550 |
| Net loans and leases to core deposits | 82.5115% | 1,557 |
| Total domestic deposits to total assets | 86.0553% | 3,228 |
| Equity capital to assets | 13.2116% | 626 |
| Core capital (leverage) ratio | 9.8933% | 2,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3803% | 2,707 |
| Memoranda: | ||
| Average total assets | $7,454,631,000 | 194 |
| Average earning assets | $6,570,870,333 | 205 |
| Average equity | $984,414,333 | 168 |
| Average total loans | $4,834,746,000 | 194 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5160% | 1,756 |
| Cost of funding earning assets | 0.1353% | 3,697 |
| Net interest margin | 3.3807% | 1,349 |
| Noninterest income to average assets | 0.6855% | 1,367 |
| Noninterest expense to average assets | 1.9370% | 3,580 |
| Loan and lease loss provision to assets | 0.0160% | 2,062 |
| Net operating income to assets | 1.2883% | 1,024 |
| Return on assets (ROA) | 1.2889% | 1,015 |
| Pretax return on assets | 1.7009% | 681 |
| Return on Equity (ROE) | 9.7629% | 2,063 |
| Retained earnings to average equity (ytd only) | 9.7629% | 1,081 |
| Net charge-offs to loans | 0.0055% | 1,555 |
| Credit loss provision to net charge-offs | 454.5455% | 549 |
| Earnings coverage of net charge-offs (x) | 487.6364% | 213 |
| Efficiency ratio | 50.9451% | 4,259 |
| Assets per employee ($millions) | 8.7421% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 3,478 |
| Loan loss allowance to noncurrent loans | 125.8029% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6763% | 854 |
| Noncurrent loans to loans | 0.8453% | 1,107 |
| Net loans and leases to total assets | 63.4565% | 1,692 |
| Net loans and leases to deposits | 74.1567% | 1,595 |
| Net loans and leases to core deposits | 76.9182% | 1,713 |
| Total domestic deposits to total assets | 85.5708% | 3,396 |
| Equity capital to assets | 13.5022% | 604 |
| Core capital (leverage) ratio | 9.5632% | 2,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9940% | 2,607 |
| Memoranda: | ||
| Average total assets | $7,501,702,000 | 193 |
| Average earning assets | $6,585,104,000 | 208 |
| Average equity | $990,402,000 | 171 |
| Average total loans | $4,760,250,000 | 198 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 2,717 |
| Cost of funding earning assets | 0.2162% | 3,304 |
| Net interest margin | 3.2640% | 2,425 |
| Noninterest income to average assets | 0.9854% | 1,030 |
| Noninterest expense to average assets | 2.2301% | 2,990 |
| Loan and lease loss provision to assets | 0.2686% | 327 |
| Net operating income to assets | 1.0365% | 2,530 |
| Return on assets (ROA) | 1.0325% | 2,621 |
| Pretax return on assets | 1.3792% | 2,115 |
| Return on Equity (ROE) | 8.6869% | 3,018 |
| Retained earnings to average equity (ytd only) | -0.4144% | 4,537 |
| Net charge-offs to loans | 0.0047% | 2,430 |
| Credit loss provision to net charge-offs | 7,812.5000% | 92 |
| Earnings coverage of net charge-offs (x) | 573.0000% | 249 |
| Efficiency ratio | 55.8099% | 3,725 |
| Assets per employee ($millions) | 8.9793% | 921 |
| Cash dividends to net income (ytd only)* | 104.7706% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,633 |
| Loan loss allowance to noncurrent loans | 112.4972% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.7300% | 852 |
| Noncurrent loans to loans | 0.9146% | 1,106 |
| Net loans and leases to total assets | 62.1592% | 1,918 |
| Net loans and leases to deposits | 72.3306% | 1,880 |
| Net loans and leases to core deposits | 75.3806% | 1,967 |
| Total domestic deposits to total assets | 85.9376% | 2,935 |
| Equity capital to assets | 12.9169% | 926 |
| Core capital (leverage) ratio | 10.3457% | 2,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2029% | 2,839 |
| Memoranda: | ||
| Average total assets | $5,546,554,600 | 249 |
| Average earning assets | $4,923,956,800 | 256 |
| Average equity | $659,244,600 | 229 |
| Average total loans | $3,411,923,800 | 248 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3975% | 3,110 |
| Cost of funding earning assets | 0.2375% | 3,237 |
| Net interest margin | 3.1600% | 2,857 |
| Noninterest income to average assets | 1.0903% | 933 |
| Noninterest expense to average assets | 2.3055% | 2,737 |
| Loan and lease loss provision to assets | 0.1729% | 621 |
| Net operating income to assets | 1.0703% | 2,651 |
| Return on assets (ROA) | 1.0700% | 2,716 |
| Pretax return on assets | 1.4272% | 2,225 |
| Return on Equity (ROE) | 9.3122% | 3,000 |
| Retained earnings to average equity (ytd only) | 4.6815% | 3,341 |
| Net charge-offs to loans | 0.0074% | 2,043 |
| Credit loss provision to net charge-offs | 2,647.0588% | 264 |
| Earnings coverage of net charge-offs (x) | 353.8765% | 393 |
| Efficiency ratio | 57.3901% | 3,369 |
| Assets per employee ($millions) | 8.1239% | 1,222 |
| Cash dividends to net income (ytd only)* | 49.7277% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,737 |
| Loan loss allowance to noncurrent loans | 229.7278% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 2,123 |
| Noncurrent loans to loans | 0.4485% | 2,213 |
| Net loans and leases to total assets | 57.6904% | 2,539 |
| Net loans and leases to deposits | 66.3114% | 2,602 |
| Net loans and leases to core deposits | 69.0471% | 2,683 |
| Total domestic deposits to total assets | 86.9992% | 2,353 |
| Equity capital to assets | 11.8212% | 1,481 |
| Core capital (leverage) ratio | 9.8310% | 2,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2558% | 2,915 |
| Memoranda: | ||
| Average total assets | $5,011,616,500 | 271 |
| Average earning assets | $4,465,478,000 | 272 |
| Average equity | $575,847,000 | 245 |
| Average total loans | $3,058,049,500 | 265 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 2,397 |
| Cost of funding earning assets | 0.2663% | 3,122 |
| Net interest margin | 3.4123% | 2,101 |
| Noninterest income to average assets | 1.2369% | 759 |
| Noninterest expense to average assets | 2.3955% | 2,481 |
| Loan and lease loss provision to assets | 0.0220% | 2,536 |
| Net operating income to assets | 1.4011% | 1,564 |
| Return on assets (ROA) | 1.4011% | 1,632 |
| Pretax return on assets | 1.8814% | 1,056 |
| Return on Equity (ROE) | 12.3602% | 1,926 |
| Retained earnings to average equity (ytd only) | 4.6062% | 3,327 |
| Net charge-offs to loans | 0.0079% | 1,847 |
| Credit loss provision to net charge-offs | 446.4286% | 718 |
| Earnings coverage of net charge-offs (x) | 386.7143% | 318 |
| Efficiency ratio | 54.0451% | 3,799 |
| Assets per employee ($millions) | 7.8992% | 1,258 |
| Cash dividends to net income (ytd only)* | 62.7333% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,194 |
| Loan loss allowance to noncurrent loans | 469.7201% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 2,863 |
| Noncurrent loans to loans | 0.2448% | 3,072 |
| Net loans and leases to total assets | 61.1990% | 2,282 |
| Net loans and leases to deposits | 70.1171% | 2,397 |
| Net loans and leases to core deposits | 74.1398% | 2,398 |
| Total domestic deposits to total assets | 87.2810% | 2,180 |
| Equity capital to assets | 11.4216% | 1,683 |
| Core capital (leverage) ratio | 7.9717% | 4,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4312% | 3,046 |
| Memoranda: | ||
| Average total assets | $4,550,981,333 | 282 |
| Average earning assets | $4,083,816,667 | 282 |
| Average equity | $515,864,667 | 266 |
| Average total loans | $2,835,117,000 | 282 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6147% | 2,594 |
| Cost of funding earning assets | 0.2913% | 3,089 |
| Net interest margin | 3.3234% | 2,319 |
| Noninterest income to average assets | 1.2785% | 770 |
| Noninterest expense to average assets | 2.2318% | 3,005 |
| Loan and lease loss provision to assets | 0.0441% | 2,191 |
| Net operating income to assets | 1.5019% | 1,326 |
| Return on assets (ROA) | 1.5019% | 1,387 |
| Pretax return on assets | 1.9868% | 966 |
| Return on Equity (ROE) | 13.3006% | 1,595 |
| Retained earnings to average equity (ytd only) | 5.4974% | 3,064 |
| Net charge-offs to loans | 0.0066% | 1,660 |
| Credit loss provision to net charge-offs | 1,063.8298% | 399 |
| Earnings coverage of net charge-offs (x) | 490.3830% | 196 |
| Efficiency ratio | 50.5964% | 4,142 |
| Assets per employee ($millions) | 8.0579% | 1,177 |
| Cash dividends to net income (ytd only)* | 58.6682% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,253 |
| Loan loss allowance to noncurrent loans | 363.9264% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 2,745 |
| Noncurrent loans to loans | 0.3131% | 2,982 |
| Net loans and leases to total assets | 62.3950% | 2,245 |
| Net loans and leases to deposits | 71.5175% | 2,360 |
| Net loans and leases to core deposits | 75.7466% | 2,374 |
| Total domestic deposits to total assets | 87.2443% | 2,208 |
| Equity capital to assets | 11.3327% | 1,636 |
| Core capital (leverage) ratio | 7.8395% | 4,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4574% | 3,015 |
| Memoranda: | ||
| Average total assets | $4,539,664,000 | 283 |
| Average earning assets | $4,076,142,500 | 281 |
| Average equity | $512,608,000 | 266 |
| Average total loans | $2,836,892,500 | 282 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9583% | 2,859 |
| Cost of funding earning assets | 0.4651% | 3,189 |
| Net interest margin | 3.4931% | 2,498 |
| Noninterest income to average assets | 1.3127% | 669 |
| Noninterest expense to average assets | 2.2932% | 3,418 |
| Loan and lease loss provision to assets | 0.2445% | 1,586 |
| Net operating income to assets | 1.4197% | 979 |
| Return on assets (ROA) | 1.4271% | 1,047 |
| Pretax return on assets | 1.9134% | 539 |
| Return on Equity (ROE) | 11.9961% | 1,321 |
| Retained earnings to average equity (ytd only) | 1.0205% | 4,223 |
| Net charge-offs to loans | 0.0502% | 2,076 |
| Credit loss provision to net charge-offs | 744.2197% | 963 |
| Earnings coverage of net charge-offs (x) | 65.3916% | 1,021 |
| Efficiency ratio | 49.7215% | 4,549 |
| Assets per employee ($millions) | 8.1704% | 980 |
| Cash dividends to net income (ytd only)* | 91.4928% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 3,231 |
| Loan loss allowance to noncurrent loans | 340.2750% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 2,852 |
| Noncurrent loans to loans | 0.3364% | 2,999 |
| Net loans and leases to total assets | 61.1610% | 2,708 |
| Net loans and leases to deposits | 70.1535% | 2,868 |
| Net loans and leases to core deposits | 75.3190% | 2,792 |
| Total domestic deposits to total assets | 87.1816% | 1,851 |
| Equity capital to assets | 11.2509% | 2,057 |
| Core capital (leverage) ratio | 7.7594% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1557% | 3,071 |
| Memoranda: | ||
| Average total assets | $4,212,184,200 | 280 |
| Average earning assets | $3,773,210,600 | 282 |
| Average equity | $501,113,000 | 259 |
| Average total loans | $2,756,957,600 | 280 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 2,949 |
| Cost of funding earning assets | 0.5044% | 3,193 |
| Net interest margin | 3.5041% | 2,579 |
| Noninterest income to average assets | 1.3243% | 621 |
| Noninterest expense to average assets | 2.3233% | 3,361 |
| Loan and lease loss provision to assets | 0.2906% | 1,394 |
| Net operating income to assets | 1.3797% | 1,155 |
| Return on assets (ROA) | 1.3878% | 1,226 |
| Pretax return on assets | 1.8611% | 695 |
| Return on Equity (ROE) | 11.4934% | 1,517 |
| Retained earnings to average equity (ytd only) | 3.4714% | 3,319 |
| Net charge-offs to loans | 0.0422% | 2,023 |
| Credit loss provision to net charge-offs | 1,035.6732% | 806 |
| Earnings coverage of net charge-offs (x) | 76.3280% | 949 |
| Efficiency ratio | 50.0774% | 4,483 |
| Assets per employee ($millions) | 8.7753% | 755 |
| Cash dividends to net income (ytd only)* | 69.7967% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,345 |
| Loan loss allowance to noncurrent loans | 285.4233% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 3,152 |
| Noncurrent loans to loans | 0.3762% | 2,940 |
| Net loans and leases to total assets | 61.6014% | 3,056 |
| Net loans and leases to deposits | 76.7881% | 2,677 |
| Net loans and leases to core deposits | 83.1828% | 2,565 |
| Total domestic deposits to total assets | 80.2225% | 3,819 |
| Equity capital to assets | 11.1261% | 2,301 |
| Core capital (leverage) ratio | 8.2736% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5493% | 3,017 |
| Memoranda: | ||
| Average total assets | $4,129,547,500 | 280 |
| Average earning assets | $3,701,111,500 | 282 |
| Average equity | $498,616,500 | 258 |
| Average total loans | $2,743,559,250 | 280 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 2,745 |
| Cost of funding earning assets | 0.5594% | 3,182 |
| Net interest margin | 3.6445% | 2,331 |
| Noninterest income to average assets | 1.2402% | 659 |
| Noninterest expense to average assets | 2.5026% | 2,952 |
| Loan and lease loss provision to assets | 0.3045% | 1,413 |
| Net operating income to assets | 1.2685% | 1,445 |
| Return on assets (ROA) | 1.2751% | 1,540 |
| Pretax return on assets | 1.6961% | 1,009 |
| Return on Equity (ROE) | 10.2407% | 1,909 |
| Retained earnings to average equity (ytd only) | 6.1650% | 2,005 |
| Net charge-offs to loans | 0.0095% | 2,605 |
| Credit loss provision to net charge-offs | 4,724.4094% | 247 |
| Earnings coverage of net charge-offs (x) | 309.1260% | 314 |
| Efficiency ratio | 53.5625% | 4,225 |
| Assets per employee ($millions) | 8.0752% | 939 |
| Cash dividends to net income (ytd only)* | 39.7994% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 3,454 |
| Loan loss allowance to noncurrent loans | 242.7905% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 3,179 |
| Noncurrent loans to loans | 0.4210% | 2,900 |
| Net loans and leases to total assets | 62.2629% | 3,100 |
| Net loans and leases to deposits | 78.2101% | 2,629 |
| Net loans and leases to core deposits | 85.5251% | 2,483 |
| Total domestic deposits to total assets | 79.6099% | 3,914 |
| Equity capital to assets | 11.0713% | 2,276 |
| Core capital (leverage) ratio | 8.5025% | 4,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6437% | 3,057 |
| Memoranda: | ||
| Average total assets | $3,941,136,000 | 289 |
| Average earning assets | $3,519,561,000 | 290 |
| Average equity | $490,706,333 | 261 |
| Average total loans | $2,683,599,667 | 283 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 2,022 |
| Cost of funding earning assets | 0.6272% | 3,291 |
| Net interest margin | 3.9644% | 1,491 |
| Noninterest income to average assets | 0.9012% | 1,063 |
| Noninterest expense to average assets | 2.5252% | 3,192 |
| Loan and lease loss provision to assets | 0.3291% | 940 |
| Net operating income to assets | 1.1826% | 1,577 |
| Return on assets (ROA) | 1.1826% | 1,696 |
| Pretax return on assets | 1.5551% | 1,163 |
| Return on Equity (ROE) | 8.8863% | 2,159 |
| Retained earnings to average equity (ytd only) | 8.8863% | 1,004 |
| Net charge-offs to loans | 0.0085% | 2,258 |
| Credit loss provision to net charge-offs | 5,454.5455% | 144 |
| Earnings coverage of net charge-offs (x) | 312.3091% | 226 |
| Efficiency ratio | 54.7987% | 4,326 |
| Assets per employee ($millions) | 6.4520% | 1,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,707 |
| Loan loss allowance to noncurrent loans | 177.4001% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4236% | 2,779 |
| Noncurrent loans to loans | 0.5642% | 2,587 |
| Net loans and leases to total assets | 69.6170% | 2,309 |
| Net loans and leases to deposits | 84.0993% | 2,212 |
| Net loans and leases to core deposits | 91.4758% | 2,213 |
| Total domestic deposits to total assets | 82.7795% | 3,184 |
| Equity capital to assets | 13.1574% | 1,363 |
| Core capital (leverage) ratio | 9.5412% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1629% | 3,304 |
| Memoranda: | ||
| Average total assets | $3,646,623,500 | 296 |
| Average earning assets | $3,226,936,000 | 296 |
| Average equity | $485,286,500 | 263 |
| Average total loans | $2,600,529,000 | 286 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9621% | 1,582 |
| Cost of funding earning assets | 0.6999% | 3,158 |
| Net interest margin | 4.2622% | 1,179 |
| Noninterest income to average assets | 1.4395% | 452 |
| Noninterest expense to average assets | 2.9221% | 2,226 |
| Loan and lease loss provision to assets | 0.0379% | 3,257 |
| Net operating income to assets | 1.7265% | 622 |
| Return on assets (ROA) | 1.7259% | 663 |
| Pretax return on assets | 2.2392% | 354 |
| Return on Equity (ROE) | 13.2763% | 1,087 |
| Retained earnings to average equity (ytd only) | 1.1436% | 4,335 |
| Net charge-offs to loans | 0.0167% | 3,120 |
| Credit loss provision to net charge-offs | 314.9606% | 884 |
| Earnings coverage of net charge-offs (x) | 189.5171% | 413 |
| Efficiency ratio | 53.8471% | 4,434 |
| Assets per employee ($millions) | 6.2203% | 1,472 |
| Cash dividends to net income (ytd only)* | 91.3860% | 491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5409% | 4,838 |
| Loan loss allowance to noncurrent loans | 98.9448% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 2,703 |
| Noncurrent loans to loans | 0.5467% | 2,532 |
| Net loans and leases to total assets | 71.9569% | 2,097 |
| Net loans and leases to deposits | 84.8112% | 2,235 |
| Net loans and leases to core deposits | 88.3234% | 2,580 |
| Total domestic deposits to total assets | 84.8437% | 2,555 |
| Equity capital to assets | 13.4647% | 1,293 |
| Core capital (leverage) ratio | 9.7729% | 3,759 |
| Tier 1 risk-based capital ratio | 10.2917% | 5,075 |
| Total risk-based capital ratio | 10.7564% | 5,140 |
| Memoranda: | ||
| Average total assets | $3,170,099,400 | 307 |
| Average earning assets | $2,796,768,200 | 309 |
| Average equity | $412,109,000 | 282 |
| Average total loans | $2,286,430,600 | 299 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0447% | 1,431 |
| Cost of funding earning assets | 0.7163% | 3,129 |
| Net interest margin | 4.3284% | 1,104 |
| Noninterest income to average assets | 1.4914% | 407 |
| Noninterest expense to average assets | 2.9940% | 1,995 |
| Loan and lease loss provision to assets | 0.0391% | 3,122 |
| Net operating income to assets | 1.8296% | 576 |
| Return on assets (ROA) | 1.8307% | 604 |
| Pretax return on assets | 2.2807% | 390 |
| Return on Equity (ROE) | 14.2307% | 940 |
| Retained earnings to average equity (ytd only) | 2.4151% | 4,135 |
| Net charge-offs to loans | 0.0261% | 2,572 |
| Credit loss provision to net charge-offs | 207.8522% | 1,269 |
| Earnings coverage of net charge-offs (x) | 123.2861% | 632 |
| Efficiency ratio | 53.9580% | 4,398 |
| Assets per employee ($millions) | 5.6035% | 1,934 |
| Cash dividends to net income (ytd only)* | 83.0289% | 581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 4,816 |
| Loan loss allowance to noncurrent loans | 147.4345% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,159 |
| Noncurrent loans to loans | 0.4087% | 3,084 |
| Net loans and leases to total assets | 72.5044% | 2,081 |
| Net loans and leases to deposits | 84.7709% | 2,345 |
| Net loans and leases to core deposits | 87.5244% | 2,779 |
| Total domestic deposits to total assets | 85.5299% | 2,198 |
| Equity capital to assets | 12.9118% | 1,681 |
| Core capital (leverage) ratio | 9.2473% | 4,432 |
| Tier 1 risk-based capital ratio | 10.3182% | 5,130 |
| Total risk-based capital ratio | 10.8303% | 5,207 |
| Memoranda: | ||
| Average total assets | $3,070,013,500 | 315 |
| Average earning assets | $2,710,082,750 | 318 |
| Average equity | $394,949,250 | 297 |
| Average total loans | $2,212,250,000 | 308 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0157% | 1,443 |
| Cost of funding earning assets | 0.7255% | 3,014 |
| Net interest margin | 4.2903% | 1,169 |
| Noninterest income to average assets | 1.5737% | 370 |
| Noninterest expense to average assets | 3.0590% | 1,841 |
| Loan and lease loss provision to assets | 0.0327% | 3,179 |
| Net operating income to assets | 1.8876% | 495 |
| Return on assets (ROA) | 1.8893% | 514 |
| Pretax return on assets | 2.2754% | 375 |
| Return on Equity (ROE) | 14.7043% | 827 |
| Retained earnings to average equity (ytd only) | 7.0752% | 1,772 |
| Net charge-offs to loans | 0.0075% | 2,882 |
| Credit loss provision to net charge-offs | 609.7561% | 518 |
| Earnings coverage of net charge-offs (x) | 430.3293% | 176 |
| Efficiency ratio | 54.5544% | 4,408 |
| Assets per employee ($millions) | 5.4044% | 2,045 |
| Cash dividends to net income (ytd only)* | 51.8834% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6127% | 4,851 |
| Loan loss allowance to noncurrent loans | 177.4219% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 3,528 |
| Noncurrent loans to loans | 0.3453% | 3,308 |
| Net loans and leases to total assets | 72.2215% | 2,179 |
| Net loans and leases to deposits | 85.2471% | 2,345 |
| Net loans and leases to core deposits | 88.4727% | 2,750 |
| Total domestic deposits to total assets | 84.7202% | 2,588 |
| Equity capital to assets | 13.2608% | 1,461 |
| Core capital (leverage) ratio | 9.6381% | 3,992 |
| Tier 1 risk-based capital ratio | 10.7247% | 5,029 |
| Total risk-based capital ratio | 11.2459% | 5,171 |
| Memoranda: | ||
| Average total assets | $3,060,442,670 | 316 |
| Average earning assets | $2,704,504,000 | 320 |
| Average equity | $393,232,330 | 298 |
| Average total loans | $2,196,222,000 | 310 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 1,597 |
| Cost of funding earning assets | 0.7270% | 2,906 |
| Net interest margin | 4.1715% | 1,370 |
| Noninterest income to average assets | 0.9804% | 853 |
| Noninterest expense to average assets | 2.8675% | 2,365 |
| Loan and lease loss provision to assets | 0.0261% | 3,088 |
| Net operating income to assets | 1.3525% | 1,520 |
| Return on assets (ROA) | 1.3538% | 1,559 |
| Pretax return on assets | 1.7769% | 1,028 |
| Return on Equity (ROE) | 10.7070% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.7070% | 884 |
| Net charge-offs to loans | -0.0031% | 3,929 |
| Credit loss provision to net charge-offs | -1,176.4706% | 3,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4763% | 4,013 |
| Assets per employee ($millions) | 5.5837% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6081% | 4,914 |
| Loan loss allowance to noncurrent loans | 153.1325% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 3,403 |
| Noncurrent loans to loans | 0.3971% | 3,167 |
| Net loans and leases to total assets | 71.9421% | 2,173 |
| Net loans and leases to deposits | 84.6667% | 2,304 |
| Net loans and leases to core deposits | 87.7096% | 2,718 |
| Total domestic deposits to total assets | 84.9709% | 2,689 |
| Equity capital to assets | 13.0469% | 1,428 |
| Core capital (leverage) ratio | 9.3539% | 4,314 |
| Tier 1 risk-based capital ratio | 10.6950% | 5,114 |
| Total risk-based capital ratio | 11.2173% | 5,244 |
| Memoranda: | ||
| Average total assets | $3,066,615,000 | 317 |
| Average earning assets | $2,711,540,500 | 323 |
| Average equity | $387,747,500 | 299 |
| Average total loans | $2,186,857,000 | 316 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 1,845 |
| Cost of funding earning assets | 0.5987% | 2,733 |
| Net interest margin | 4.0941% | 1,700 |
| Noninterest income to average assets | 1.1073% | 750 |
| Noninterest expense to average assets | 2.8316% | 2,575 |
| Loan and lease loss provision to assets | 0.0527% | 3,131 |
| Net operating income to assets | 1.3840% | 1,485 |
| Return on assets (ROA) | 1.3785% | 1,497 |
| Pretax return on assets | 1.8316% | 847 |
| Return on Equity (ROE) | 10.9737% | 2,091 |
| Retained earnings to average equity (ytd only) | 0.3504% | 4,892 |
| Net charge-offs to loans | 0.0515% | 2,420 |
| Credit loss provision to net charge-offs | 145.4545% | 1,870 |
| Earnings coverage of net charge-offs (x) | 52.1809% | 1,102 |
| Efficiency ratio | 56.8926% | 4,294 |
| Assets per employee ($millions) | 5.6698% | 1,801 |
| Cash dividends to net income (ytd only)* | 96.8066% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 4,961 |
| Loan loss allowance to noncurrent loans | 240.4131% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 3,866 |
| Noncurrent loans to loans | 0.2515% | 3,680 |
| Net loans and leases to total assets | 69.8365% | 2,587 |
| Net loans and leases to deposits | 81.2122% | 2,829 |
| Net loans and leases to core deposits | 83.6958% | 3,119 |
| Total domestic deposits to total assets | 85.9926% | 2,231 |
| Equity capital to assets | 12.2489% | 1,728 |
| Core capital (leverage) ratio | 9.0680% | 4,584 |
| Tier 1 risk-based capital ratio | 10.3092% | 5,242 |
| Total risk-based capital ratio | 10.8281% | 5,340 |
| Memoranda: | ||
| Average total assets | $3,034,863,800 | 319 |
| Average earning assets | $2,680,193,000 | 324 |
| Average equity | $381,237,200 | 296 |
| Average total loans | $2,137,446,800 | 318 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6659% | 1,777 |
| Cost of funding earning assets | 0.5737% | 2,672 |
| Net interest margin | 4.0922% | 1,650 |
| Noninterest income to average assets | 1.1031% | 777 |
| Noninterest expense to average assets | 2.8838% | 2,357 |
| Loan and lease loss provision to assets | 0.0600% | 2,780 |
| Net operating income to assets | 1.3519% | 1,658 |
| Return on assets (ROA) | 1.3519% | 1,670 |
| Pretax return on assets | 1.7758% | 1,068 |
| Return on Equity (ROE) | 10.6933% | 2,310 |
| Retained earnings to average equity (ytd only) | 3.7081% | 3,918 |
| Net charge-offs to loans | 0.0640% | 1,917 |
| Credit loss provision to net charge-offs | 133.2027% | 1,861 |
| Earnings coverage of net charge-offs (x) | 40.7228% | 1,339 |
| Efficiency ratio | 57.9811% | 4,127 |
| Assets per employee ($millions) | 5.4276% | 1,985 |
| Cash dividends to net income (ytd only)* | 65.3232% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 5,039 |
| Loan loss allowance to noncurrent loans | 127.5852% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 3,160 |
| Noncurrent loans to loans | 0.4729% | 2,967 |
| Net loans and leases to total assets | 71.3131% | 2,445 |
| Net loans and leases to deposits | 83.7626% | 2,627 |
| Net loans and leases to core deposits | 86.3803% | 2,967 |
| Total domestic deposits to total assets | 85.1371% | 2,554 |
| Equity capital to assets | 12.8189% | 1,410 |
| Core capital (leverage) ratio | 9.3842% | 4,298 |
| Tier 1 risk-based capital ratio | 10.8189% | 5,122 |
| Total risk-based capital ratio | 11.3439% | 5,301 |
| Memoranda: | ||
| Average total assets | $3,019,656,250 | 320 |
| Average earning assets | $2,668,635,000 | 324 |
| Average equity | $381,749,000 | 291 |
| Average total loans | $2,128,039,250 | 317 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5966% | 1,793 |
| Cost of funding earning assets | 0.5439% | 2,661 |
| Net interest margin | 4.0527% | 1,691 |
| Noninterest income to average assets | 1.0464% | 882 |
| Noninterest expense to average assets | 2.8657% | 2,447 |
| Loan and lease loss provision to assets | 0.0674% | 2,536 |
| Net operating income to assets | 1.2888% | 1,821 |
| Return on assets (ROA) | 1.2888% | 1,819 |
| Pretax return on assets | 1.6946% | 1,222 |
| Return on Equity (ROE) | 10.2420% | 2,456 |
| Retained earnings to average equity (ytd only) | 4.9892% | 3,080 |
| Net charge-offs to loans | 0.0753% | 1,576 |
| Credit loss provision to net charge-offs | 127.8195% | 1,737 |
| Earnings coverage of net charge-offs (x) | 33.4048% | 1,417 |
| Efficiency ratio | 58.6665% | 4,130 |
| Assets per employee ($millions) | 5.1717% | 2,225 |
| Cash dividends to net income (ytd only)* | 51.2873% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 5,105 |
| Loan loss allowance to noncurrent loans | 118.3146% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.4145% | 3,065 |
| Noncurrent loans to loans | 0.5080% | 2,890 |
| Net loans and leases to total assets | 72.8720% | 2,140 |
| Net loans and leases to deposits | 85.7561% | 2,345 |
| Net loans and leases to core deposits | 89.1550% | 2,635 |
| Total domestic deposits to total assets | 84.9759% | 2,687 |
| Equity capital to assets | 13.1307% | 1,246 |
| Core capital (leverage) ratio | 9.0511% | 4,647 |
| Tier 1 risk-based capital ratio | 10.9299% | 5,092 |
| Total risk-based capital ratio | 11.4613% | 5,297 |
| Memoranda: | ||
| Average total assets | $3,025,712,330 | 317 |
| Average earning assets | $2,673,834,330 | 322 |
| Average equity | $380,746,000 | 287 |
| Average total loans | $2,119,570,670 | 319 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 1,783 |
| Cost of funding earning assets | 0.4767% | 2,993 |
| Net interest margin | 4.0525% | 1,555 |
| Noninterest income to average assets | 0.9866% | 938 |
| Noninterest expense to average assets | 2.8556% | 2,514 |
| Loan and lease loss provision to assets | 0.0663% | 2,445 |
| Net operating income to assets | 1.2654% | 1,764 |
| Return on assets (ROA) | 1.2654% | 1,770 |
| Pretax return on assets | 1.6514% | 1,238 |
| Return on Equity (ROE) | 10.2679% | 2,290 |
| Retained earnings to average equity (ytd only) | 10.2679% | 1,078 |
| Net charge-offs to loans | 0.0755% | 1,369 |
| Credit loss provision to net charge-offs | 128.1407% | 1,349 |
| Earnings coverage of net charge-offs (x) | 33.2060% | 1,182 |
| Efficiency ratio | 59.0815% | 4,201 |
| Assets per employee ($millions) | 5.9373% | 1,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6032% | 5,176 |
| Loan loss allowance to noncurrent loans | 109.4675% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 3,210 |
| Noncurrent loans to loans | 0.5511% | 2,872 |
| Net loans and leases to total assets | 65.2425% | 3,143 |
| Net loans and leases to deposits | 75.4819% | 3,274 |
| Net loans and leases to core deposits | 79.0998% | 3,394 |
| Total domestic deposits to total assets | 86.4346% | 2,346 |
| Equity capital to assets | 11.8817% | 1,861 |
| Core capital (leverage) ratio | 9.4879% | 4,080 |
| Tier 1 risk-based capital ratio | 11.2242% | 5,018 |
| Total risk-based capital ratio | 11.7685% | 5,256 |
| Memoranda: | ||
| Average total assets | $3,077,572,500 | 310 |
| Average earning assets | $2,723,841,500 | 314 |
| Average equity | $379,279,500 | 292 |
| Average total loans | $2,108,261,500 | 317 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7376% | 1,103 |
| Cost of funding earning assets | 0.3502% | 3,718 |
| Net interest margin | 4.3874% | 790 |
| Noninterest income to average assets | 1.1303% | 796 |
| Noninterest expense to average assets | 3.0072% | 2,152 |
| Loan and lease loss provision to assets | 0.0881% | 2,427 |
| Net operating income to assets | 1.2125% | 1,482 |
| Return on assets (ROA) | 1.2125% | 1,509 |
| Pretax return on assets | 1.8794% | 629 |
| Return on Equity (ROE) | 9.3182% | 2,173 |
| Retained earnings to average equity (ytd only) | -0.0038% | 5,019 |
| Net charge-offs to loans | 0.0793% | 2,312 |
| Credit loss provision to net charge-offs | 155.8311% | 1,716 |
| Earnings coverage of net charge-offs (x) | 34.7922% | 1,383 |
| Efficiency ratio | 56.8700% | 4,673 |
| Assets per employee ($millions) | 5.4995% | 1,939 |
| Cash dividends to net income (ytd only)* | 100.0406% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6024% | 5,240 |
| Loan loss allowance to noncurrent loans | 96.6247% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 2,920 |
| Noncurrent loans to loans | 0.6235% | 2,662 |
| Net loans and leases to total assets | 71.2242% | 2,345 |
| Net loans and leases to deposits | 83.4998% | 2,549 |
| Net loans and leases to core deposits | 88.4157% | 2,690 |
| Total domestic deposits to total assets | 85.2986% | 2,726 |
| Equity capital to assets | 12.8105% | 1,351 |
| Core capital (leverage) ratio | 9.3206% | 4,262 |
| Tier 1 risk-based capital ratio | 10.9112% | 5,195 |
| Total risk-based capital ratio | 11.4537% | 5,398 |
| Memoranda: | ||
| Average total assets | $2,638,168,200 | 334 |
| Average earning assets | $2,311,716,600 | 344 |
| Average equity | $343,274,000 | 301 |
| Average total loans | $1,881,078,000 | 326 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7188% | 1,094 |
| Cost of funding earning assets | 0.3215% | 3,922 |
| Net interest margin | 4.3973% | 734 |
| Noninterest income to average assets | 1.1570% | 762 |
| Noninterest expense to average assets | 3.0228% | 2,055 |
| Loan and lease loss provision to assets | 0.0975% | 2,158 |
| Net operating income to assets | 1.2418% | 1,542 |
| Return on assets (ROA) | 1.2417% | 1,567 |
| Pretax return on assets | 1.8932% | 695 |
| Return on Equity (ROE) | 9.5009% | 2,350 |
| Retained earnings to average equity (ytd only) | 5.5234% | 2,527 |
| Net charge-offs to loans | 0.0792% | 2,008 |
| Credit loss provision to net charge-offs | 172.8111% | 1,515 |
| Earnings coverage of net charge-offs (x) | 35.2968% | 1,417 |
| Efficiency ratio | 56.6487% | 4,659 |
| Assets per employee ($millions) | 5.3773% | 2,039 |
| Cash dividends to net income (ytd only)* | 41.8638% | 2,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6104% | 5,306 |
| Loan loss allowance to noncurrent loans | 87.4298% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5532% | 2,864 |
| Noncurrent loans to loans | 0.6981% | 2,610 |
| Net loans and leases to total assets | 72.1858% | 2,229 |
| Net loans and leases to deposits | 86.3194% | 2,257 |
| Net loans and leases to core deposits | 92.9240% | 2,353 |
| Total domestic deposits to total assets | 83.6264% | 3,250 |
| Equity capital to assets | 13.7106% | 1,072 |
| Core capital (leverage) ratio | 9.8860% | 3,715 |
| Tier 1 risk-based capital ratio | 11.6278% | 4,865 |
| Total risk-based capital ratio | 12.1769% | 5,177 |
| Memoranda: | ||
| Average total assets | $2,564,907,250 | 343 |
| Average earning assets | $2,249,506,250 | 348 |
| Average equity | $335,217,000 | 304 |
| Average total loans | $1,826,251,250 | 337 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 1,215 |
| Cost of funding earning assets | 0.2749% | 4,337 |
| Net interest margin | 4.3462% | 769 |
| Noninterest income to average assets | 1.1513% | 761 |
| Noninterest expense to average assets | 3.0592% | 1,941 |
| Loan and lease loss provision to assets | 0.0728% | 2,512 |
| Net operating income to assets | 1.2063% | 1,574 |
| Return on assets (ROA) | 1.2061% | 1,608 |
| Pretax return on assets | 1.8316% | 778 |
| Return on Equity (ROE) | 9.4059% | 2,313 |
| Retained earnings to average equity (ytd only) | 3.0957% | 3,868 |
| Net charge-offs to loans | 0.0148% | 2,952 |
| Credit loss provision to net charge-offs | 697.6744% | 505 |
| Earnings coverage of net charge-offs (x) | 182.4574% | 438 |
| Efficiency ratio | 57.8149% | 4,619 |
| Assets per employee ($millions) | 5.1555% | 2,207 |
| Cash dividends to net income (ytd only)* | 67.0871% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6219% | 5,345 |
| Loan loss allowance to noncurrent loans | 74.4986% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,557 |
| Noncurrent loans to loans | 0.8348% | 2,319 |
| Net loans and leases to total assets | 71.2162% | 2,331 |
| Net loans and leases to deposits | 83.6264% | 2,529 |
| Net loans and leases to core deposits | 94.2643% | 2,129 |
| Total domestic deposits to total assets | 85.1600% | 2,752 |
| Equity capital to assets | 13.4257% | 1,175 |
| Core capital (leverage) ratio | 10.1956% | 3,283 |
| Tier 1 risk-based capital ratio | 11.4729% | 4,971 |
| Total risk-based capital ratio | 12.0353% | 5,275 |
| Memoranda: | ||
| Average total assets | $2,471,674,670 | 355 |
| Average earning assets | $2,168,171,670 | 358 |
| Average equity | $316,951,670 | 323 |
| Average total loans | $1,746,331,330 | 350 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 1,139 |
| Cost of funding earning assets | 0.2415% | 4,620 |
| Net interest margin | 4.3616% | 685 |
| Noninterest income to average assets | 1.0681% | 878 |
| Noninterest expense to average assets | 3.1318% | 1,785 |
| Loan and lease loss provision to assets | 0.0784% | 2,243 |
| Net operating income to assets | 1.1228% | 1,784 |
| Return on assets (ROA) | 1.1228% | 1,820 |
| Pretax return on assets | 1.6794% | 1,049 |
| Return on Equity (ROE) | 9.0169% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.0169% | 1,074 |
| Net charge-offs to loans | 0.0202% | 2,377 |
| Credit loss provision to net charge-offs | 555.5556% | 537 |
| Earnings coverage of net charge-offs (x) | 124.5062% | 440 |
| Efficiency ratio | 59.9045% | 4,462 |
| Assets per employee ($millions) | 4.7317% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7477% | 5,205 |
| Loan loss allowance to noncurrent loans | 88.7441% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 0.7001% | 2,544 |
| Noncurrent loans to loans | 0.8425% | 2,351 |
| Net loans and leases to total assets | 70.6544% | 2,272 |
| Net loans and leases to deposits | 81.9007% | 2,524 |
| Net loans and leases to core deposits | 85.0803% | 2,805 |
| Total domestic deposits to total assets | 86.2684% | 2,550 |
| Equity capital to assets | 12.6611% | 1,436 |
| Core capital (leverage) ratio | 9.6033% | 3,993 |
| Tier 1 risk-based capital ratio | 11.3849% | 5,099 |
| Total risk-based capital ratio | 12.0439% | 5,334 |
| Memoranda: | ||
| Average total assets | $2,294,916,000 | 371 |
| Average earning assets | $2,010,712,000 | 380 |
| Average equity | $285,776,000 | 341 |
| Average total loans | $1,607,204,000 | 375 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 1,213 |
| Cost of funding earning assets | 0.3212% | 3,834 |
| Net interest margin | 4.3067% | 921 |
| Noninterest income to average assets | 1.3836% | 599 |
| Noninterest expense to average assets | 3.4843% | 1,196 |
| Loan and lease loss provision to assets | 0.0974% | 2,425 |
| Net operating income to assets | 1.0550% | 2,113 |
| Return on assets (ROA) | 1.0578% | 2,208 |
| Pretax return on assets | 1.6097% | 1,249 |
| Return on Equity (ROE) | 8.7562% | 2,538 |
| Retained earnings to average equity (ytd only) | -7.1373% | 5,735 |
| Net charge-offs to loans | 0.0221% | 3,601 |
| Credit loss provision to net charge-offs | 627.1777% | 548 |
| Earnings coverage of net charge-offs (x) | 109.7003% | 548 |
| Efficiency ratio | 63.5672% | 4,020 |
| Assets per employee ($millions) | 4.7910% | 2,663 |
| Cash dividends to net income (ytd only)* | 181.5114% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7462% | 5,245 |
| Loan loss allowance to noncurrent loans | 58.2668% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 0.9717% | 1,951 |
| Noncurrent loans to loans | 1.2806% | 1,600 |
| Net loans and leases to total assets | 68.3706% | 2,715 |
| Net loans and leases to deposits | 78.6437% | 3,026 |
| Net loans and leases to core deposits | 80.6876% | 3,335 |
| Total domestic deposits to total assets | 86.9372% | 2,183 |
| Equity capital to assets | 12.2449% | 1,659 |
| Core capital (leverage) ratio | 9.4293% | 4,182 |
| Tier 1 risk-based capital ratio | 11.4112% | 5,106 |
| Total risk-based capital ratio | 12.0664% | 5,324 |
| Memoranda: | ||
| Average total assets | $1,848,957,600 | 423 |
| Average earning assets | $1,632,950,000 | 436 |
| Average equity | $223,361,400 | 398 |
| Average total loans | $1,301,127,800 | 415 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6368% | 1,225 |
| Cost of funding earning assets | 0.3395% | 3,659 |
| Net interest margin | 4.2973% | 934 |
| Noninterest income to average assets | 1.3516% | 644 |
| Noninterest expense to average assets | 3.5465% | 1,069 |
| Loan and lease loss provision to assets | 0.1037% | 2,193 |
| Net operating income to assets | 0.9941% | 2,463 |
| Return on assets (ROA) | 0.9980% | 2,584 |
| Pretax return on assets | 1.5231% | 1,639 |
| Return on Equity (ROE) | 8.2985% | 2,853 |
| Retained earnings to average equity (ytd only) | -6.3880% | 5,776 |
| Net charge-offs to loans | 0.0191% | 3,327 |
| Credit loss provision to net charge-offs | 767.0455% | 518 |
| Earnings coverage of net charge-offs (x) | 119.9322% | 574 |
| Efficiency ratio | 65.2217% | 3,727 |
| Assets per employee ($millions) | 4.6527% | 2,837 |
| Cash dividends to net income (ytd only)* | 176.9775% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7309% | 5,358 |
| Loan loss allowance to noncurrent loans | 53.4298% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 1.0449% | 1,970 |
| Noncurrent loans to loans | 1.3679% | 1,614 |
| Net loans and leases to total assets | 68.8212% | 2,678 |
| Net loans and leases to deposits | 79.8785% | 2,982 |
| Net loans and leases to core deposits | 82.3489% | 3,255 |
| Total domestic deposits to total assets | 86.1573% | 2,276 |
| Equity capital to assets | 12.9328% | 1,522 |
| Core capital (leverage) ratio | 9.5733% | 4,090 |
| Tier 1 risk-based capital ratio | 11.7514% | 4,948 |
| Total risk-based capital ratio | 12.3997% | 5,200 |
| Memoranda: | ||
| Average total assets | $1,736,275,750 | 454 |
| Average earning assets | $1,541,748,750 | 451 |
| Average equity | $208,803,250 | 421 |
| Average total loans | $1,230,377,500 | 435 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 1,843 |
| Cost of funding earning assets | 0.3671% | 3,386 |
| Net interest margin | 4.0279% | 1,561 |
| Noninterest income to average assets | 1.2190% | 755 |
| Noninterest expense to average assets | 3.4954% | 1,167 |
| Loan and lease loss provision to assets | 0.1154% | 1,959 |
| Net operating income to assets | 0.8061% | 3,281 |
| Return on assets (ROA) | 0.8095% | 3,397 |
| Pretax return on assets | 1.2280% | 2,677 |
| Return on Equity (ROE) | 6.9863% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.9863% | 1,611 |
| Net charge-offs to loans | 0.0466% | 2,549 |
| Credit loss provision to net charge-offs | 346.1538% | 858 |
| Earnings coverage of net charge-offs (x) | 40.1423% | 1,155 |
| Efficiency ratio | 69.3265% | 3,091 |
| Assets per employee ($millions) | 4.7545% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6946% | 5,535 |
| Loan loss allowance to noncurrent loans | 45.0828% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 1.2113% | 1,712 |
| Noncurrent loans to loans | 1.5407% | 1,400 |
| Net loans and leases to total assets | 69.4455% | 2,562 |
| Net loans and leases to deposits | 82.1907% | 2,684 |
| Net loans and leases to core deposits | 84.7528% | 3,011 |
| Total domestic deposits to total assets | 84.4931% | 3,093 |
| Equity capital to assets | 13.7219% | 1,135 |
| Core capital (leverage) ratio | 11.8380% | 1,738 |
| Tier 1 risk-based capital ratio | 12.6955% | 4,390 |
| Total risk-based capital ratio | 13.3190% | 4,702 |
| Memoranda: | ||
| Average total assets | $1,559,748,330 | 488 |
| Average earning assets | $1,399,739,330 | 495 |
| Average equity | $180,724,330 | 463 |
| Average total loans | $1,116,879,330 | 463 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 1,614 |
| Cost of funding earning assets | 0.4205% | 2,857 |
| Net interest margin | 4.0432% | 1,497 |
| Noninterest income to average assets | 1.1629% | 816 |
| Noninterest expense to average assets | 3.2609% | 1,690 |
| Loan and lease loss provision to assets | 0.1484% | 1,425 |
| Net operating income to assets | 0.9363% | 2,577 |
| Return on assets (ROA) | 0.9363% | 2,685 |
| Pretax return on assets | 1.4575% | 1,728 |
| Return on Equity (ROE) | 9.7506% | 2,093 |
| Retained earnings to average equity (ytd only) | 9.7506% | 908 |
| Net charge-offs to loans | 0.1023% | 1,513 |
| Credit loss provision to net charge-offs | 198.2379% | 1,092 |
| Earnings coverage of net charge-offs (x) | 21.4493% | 1,429 |
| Efficiency ratio | 65.3158% | 3,917 |
| Assets per employee ($millions) | 4.3980% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,605 |
| Loan loss allowance to noncurrent loans | 238.3431% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 4,024 |
| Noncurrent loans to loans | 0.4948% | 3,690 |
| Net loans and leases to total assets | 71.9089% | 2,057 |
| Net loans and leases to deposits | 80.5323% | 2,727 |
| Net loans and leases to core deposits | 84.1601% | 2,923 |
| Total domestic deposits to total assets | 89.2920% | 954 |
| Equity capital to assets | 9.7014% | 4,447 |
| Core capital (leverage) ratio | 9.5093% | 4,180 |
| Tier 1 risk-based capital ratio | 12.0399% | 4,890 |
| Total risk-based capital ratio | 13.1462% | 4,887 |
| Memoranda: | ||
| Average total assets | $1,212,797,500 | 604 |
| Average earning assets | $1,111,009,000 | 601 |
| Average equity | $116,464,500 | 687 |
| Average total loans | $887,316,000 | 564 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5174% | 1,543 |
| Cost of funding earning assets | 0.4899% | 2,257 |
| Net interest margin | 4.0275% | 1,624 |
| Noninterest income to average assets | 1.3248% | 687 |
| Noninterest expense to average assets | 3.3065% | 1,703 |
| Loan and lease loss provision to assets | 0.1523% | 1,542 |
| Net operating income to assets | 0.9903% | 2,418 |
| Return on assets (ROA) | 1.0122% | 2,382 |
| Pretax return on assets | 1.5593% | 1,378 |
| Return on Equity (ROE) | 10.5093% | 1,800 |
| Retained earnings to average equity (ytd only) | 0.8444% | 5,184 |
| Net charge-offs to loans | 0.0880% | 2,562 |
| Credit loss provision to net charge-offs | 230.4738% | 1,239 |
| Earnings coverage of net charge-offs (x) | 25.3892% | 1,631 |
| Efficiency ratio | 64.5920% | 4,153 |
| Assets per employee ($millions) | 4.3742% | 3,265 |
| Cash dividends to net income (ytd only)* | 91.9656% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 3,653 |
| Loan loss allowance to noncurrent loans | 291.7351% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 4,286 |
| Noncurrent loans to loans | 0.4007% | 4,019 |
| Net loans and leases to total assets | 72.7079% | 1,938 |
| Net loans and leases to deposits | 81.3763% | 2,666 |
| Net loans and leases to core deposits | 84.6857% | 2,917 |
| Total domestic deposits to total assets | 89.3477% | 936 |
| Equity capital to assets | 9.5021% | 4,547 |
| Core capital (leverage) ratio | 9.5161% | 4,150 |
| Tier 1 risk-based capital ratio | 11.9513% | 4,984 |
| Total risk-based capital ratio | 13.0521% | 4,986 |
| Memoranda: | ||
| Average total assets | $1,181,711,600 | 597 |
| Average earning assets | $1,073,784,400 | 599 |
| Average equity | $113,813,600 | 675 |
| Average total loans | $887,057,000 | 532 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 1,588 |
| Cost of funding earning assets | 0.4962% | 2,249 |
| Net interest margin | 4.0058% | 1,680 |
| Noninterest income to average assets | 1.2967% | 717 |
| Noninterest expense to average assets | 3.2767% | 1,756 |
| Loan and lease loss provision to assets | 0.1529% | 1,425 |
| Net operating income to assets | 0.9833% | 2,558 |
| Return on assets (ROA) | 1.0133% | 2,502 |
| Pretax return on assets | 1.5462% | 1,552 |
| Return on Equity (ROE) | 10.4852% | 1,906 |
| Retained earnings to average equity (ytd only) | 3.4552% | 4,007 |
| Net charge-offs to loans | 0.0950% | 2,208 |
| Credit loss provision to net charge-offs | 213.2701% | 1,271 |
| Earnings coverage of net charge-offs (x) | 23.0695% | 1,751 |
| Efficiency ratio | 64.6632% | 4,122 |
| Assets per employee ($millions) | 4.2020% | 3,516 |
| Cash dividends to net income (ytd only)* | 67.0466% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1273% | 4,071 |
| Loan loss allowance to noncurrent loans | 232.7285% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 4,037 |
| Noncurrent loans to loans | 0.4844% | 3,905 |
| Net loans and leases to total assets | 76.2155% | 1,357 |
| Net loans and leases to deposits | 85.9198% | 2,151 |
| Net loans and leases to core deposits | 89.7837% | 2,489 |
| Total domestic deposits to total assets | 88.7054% | 1,174 |
| Equity capital to assets | 9.9807% | 4,174 |
| Core capital (leverage) ratio | 9.7930% | 3,911 |
| Tier 1 risk-based capital ratio | 12.0654% | 5,039 |
| Total risk-based capital ratio | 13.1351% | 5,070 |
| Memoranda: | ||
| Average total assets | $1,177,504,250 | 604 |
| Average earning assets | $1,068,067,750 | 604 |
| Average equity | $113,795,250 | 680 |
| Average total loans | $888,386,000 | 536 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 1,487 |
| Cost of funding earning assets | 0.4953% | 2,291 |
| Net interest margin | 4.0178% | 1,588 |
| Noninterest income to average assets | 1.2847% | 742 |
| Noninterest expense to average assets | 3.2388% | 1,871 |
| Loan and lease loss provision to assets | 0.1517% | 1,403 |
| Net operating income to assets | 1.0021% | 2,380 |
| Return on assets (ROA) | 1.0462% | 2,263 |
| Pretax return on assets | 1.5989% | 1,330 |
| Return on Equity (ROE) | 10.9413% | 1,699 |
| Retained earnings to average equity (ytd only) | 5.6514% | 2,433 |
| Net charge-offs to loans | 0.1046% | 1,958 |
| Credit loss provision to net charge-offs | 193.5484% | 1,270 |
| Earnings coverage of net charge-offs (x) | 21.4645% | 1,673 |
| Efficiency ratio | 63.9752% | 4,365 |
| Assets per employee ($millions) | 4.1773% | 3,515 |
| Cash dividends to net income (ytd only)* | 48.3481% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 4,344 |
| Loan loss allowance to noncurrent loans | 228.8842% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.4456% | 4,144 |
| Noncurrent loans to loans | 0.4788% | 4,036 |
| Net loans and leases to total assets | 75.0189% | 1,500 |
| Net loans and leases to deposits | 86.1419% | 2,034 |
| Net loans and leases to core deposits | 90.2804% | 2,316 |
| Total domestic deposits to total assets | 87.0876% | 2,121 |
| Equity capital to assets | 9.7748% | 4,311 |
| Core capital (leverage) ratio | 9.7036% | 3,996 |
| Tier 1 risk-based capital ratio | 12.0619% | 5,099 |
| Total risk-based capital ratio | 13.1035% | 5,144 |
| Memoranda: | ||
| Average total assets | $1,186,226,330 | 599 |
| Average earning assets | $1,073,761,330 | 603 |
| Average equity | $113,423,000 | 685 |
| Average total loans | $888,680,330 | 534 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,048 |
| Cost of funding earning assets | 0.4902% | 2,380 |
| Net interest margin | 4.2010% | 1,054 |
| Noninterest income to average assets | 1.2377% | 744 |
| Noninterest expense to average assets | 3.2227% | 1,923 |
| Loan and lease loss provision to assets | 0.1507% | 1,355 |
| Net operating income to assets | 1.0853% | 1,920 |
| Return on assets (ROA) | 1.0853% | 2,034 |
| Pretax return on assets | 1.6807% | 1,089 |
| Return on Equity (ROE) | 11.4757% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.4757% | 648 |
| Net charge-offs to loans | 0.0904% | 1,817 |
| Credit loss provision to net charge-offs | 223.8806% | 977 |
| Earnings coverage of net charge-offs (x) | 27.2090% | 1,215 |
| Efficiency ratio | 61.9426% | 4,808 |
| Assets per employee ($millions) | 4.2589% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 4,641 |
| Loan loss allowance to noncurrent loans | 182.2821% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 3,766 |
| Noncurrent loans to loans | 0.5890% | 3,813 |
| Net loans and leases to total assets | 73.9498% | 1,511 |
| Net loans and leases to deposits | 83.3197% | 2,165 |
| Net loans and leases to core deposits | 87.4336% | 2,383 |
| Total domestic deposits to total assets | 88.7543% | 1,417 |
| Equity capital to assets | 9.6759% | 4,538 |
| Core capital (leverage) ratio | 9.5188% | 4,247 |
| Tier 1 risk-based capital ratio | 11.9980% | 5,239 |
| Total risk-based capital ratio | 13.0174% | 5,299 |
| Memoranda: | ||
| Average total assets | $1,194,511,500 | 588 |
| Average earning assets | $1,085,166,500 | 592 |
| Average equity | $112,969,000 | 686 |
| Average total loans | $889,427,500 | 529 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6078% | 1,535 |
| Cost of funding earning assets | 0.5278% | 2,410 |
| Net interest margin | 4.0800% | 1,650 |
| Noninterest income to average assets | 1.0476% | 1,115 |
| Noninterest expense to average assets | 3.2254% | 2,143 |
| Loan and lease loss provision to assets | 0.2286% | 1,066 |
| Net operating income to assets | 0.8574% | 3,078 |
| Return on assets (ROA) | 0.8574% | 3,176 |
| Pretax return on assets | 1.2589% | 2,403 |
| Return on Equity (ROE) | 9.1199% | 2,530 |
| Retained earnings to average equity (ytd only) | 1.0133% | 5,316 |
| Net charge-offs to loans | 0.3057% | 1,445 |
| Credit loss provision to net charge-offs | 102.1180% | 2,344 |
| Earnings coverage of net charge-offs (x) | 6.6437% | 3,161 |
| Efficiency ratio | 66.2642% | 4,207 |
| Assets per employee ($millions) | 4.3985% | 3,194 |
| Cash dividends to net income (ytd only)* | 88.8889% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 4,838 |
| Loan loss allowance to noncurrent loans | 172.2552% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6128% | 3,750 |
| Noncurrent loans to loans | 0.6054% | 3,858 |
| Net loans and leases to total assets | 73.3962% | 1,687 |
| Net loans and leases to deposits | 82.4730% | 2,410 |
| Net loans and leases to core deposits | 86.5561% | 2,641 |
| Total domestic deposits to total assets | 88.9942% | 1,241 |
| Equity capital to assets | 9.2411% | 5,020 |
| Core capital (leverage) ratio | 8.8878% | 5,137 |
| Tier 1 risk-based capital ratio | 11.9890% | 5,373 |
| Total risk-based capital ratio | 13.0336% | 5,411 |
| Memoranda: | ||
| Average total assets | $1,180,850,000 | 576 |
| Average earning assets | $1,060,840,000 | 576 |
| Average equity | $111,020,400 | 660 |
| Average total loans | $864,975,400 | 512 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6276% | 1,498 |
| Cost of funding earning assets | 0.5326% | 2,443 |
| Net interest margin | 4.0950% | 1,593 |
| Noninterest income to average assets | 1.0033% | 1,220 |
| Noninterest expense to average assets | 3.1869% | 2,217 |
| Loan and lease loss provision to assets | 0.2296% | 969 |
| Net operating income to assets | 0.8653% | 3,100 |
| Return on assets (ROA) | 0.8653% | 3,188 |
| Pretax return on assets | 1.2626% | 2,524 |
| Return on Equity (ROE) | 9.1633% | 2,598 |
| Retained earnings to average equity (ytd only) | 3.1593% | 4,378 |
| Net charge-offs to loans | 0.1871% | 1,969 |
| Credit loss provision to net charge-offs | 168.0498% | 1,461 |
| Earnings coverage of net charge-offs (x) | 10.9211% | 2,488 |
| Efficiency ratio | 65.8460% | 4,234 |
| Assets per employee ($millions) | 4.1722% | 3,531 |
| Cash dividends to net income (ytd only)* | 65.5222% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 4,452 |
| Loan loss allowance to noncurrent loans | 146.7231% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6761% | 3,808 |
| Noncurrent loans to loans | 0.7896% | 3,609 |
| Net loans and leases to total assets | 74.2072% | 1,494 |
| Net loans and leases to deposits | 84.2175% | 2,119 |
| Net loans and leases to core deposits | 89.1119% | 2,313 |
| Total domestic deposits to total assets | 88.1138% | 1,705 |
| Equity capital to assets | 9.6953% | 4,552 |
| Core capital (leverage) ratio | 9.4050% | 4,509 |
| Tier 1 risk-based capital ratio | 12.3614% | 5,259 |
| Total risk-based capital ratio | 13.5190% | 5,241 |
| Memoranda: | ||
| Average total assets | $1,175,868,000 | 573 |
| Average earning assets | $1,055,495,500 | 577 |
| Average equity | $111,034,250 | 662 |
| Average total loans | $858,566,000 | 508 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 1,748 |
| Cost of funding earning assets | 0.5378% | 2,456 |
| Net interest margin | 3.9883% | 1,844 |
| Noninterest income to average assets | 0.9406% | 1,360 |
| Noninterest expense to average assets | 3.1740% | 2,272 |
| Loan and lease loss provision to assets | 0.2283% | 1,006 |
| Net operating income to assets | 0.8028% | 3,313 |
| Return on assets (ROA) | 0.8028% | 3,420 |
| Pretax return on assets | 1.1191% | 3,013 |
| Return on Equity (ROE) | 8.5766% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.5766% | 1,123 |
| Net charge-offs to loans | 0.2197% | 1,718 |
| Credit loss provision to net charge-offs | 143.6170% | 1,498 |
| Earnings coverage of net charge-offs (x) | 8.4755% | 2,486 |
| Efficiency ratio | 67.7688% | 4,047 |
| Assets per employee ($millions) | 4.1280% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 4,834 |
| Loan loss allowance to noncurrent loans | 133.9539% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.7500% | 3,720 |
| Noncurrent loans to loans | 0.8334% | 3,616 |
| Net loans and leases to total assets | 73.6247% | 1,488 |
| Net loans and leases to deposits | 84.1723% | 2,023 |
| Net loans and leases to core deposits | 89.0583% | 2,206 |
| Total domestic deposits to total assets | 87.4690% | 2,208 |
| Equity capital to assets | 9.8279% | 4,314 |
| Core capital (leverage) ratio | 9.4047% | 4,464 |
| Tier 1 risk-based capital ratio | 12.5996% | 5,155 |
| Total risk-based capital ratio | 13.7140% | 5,173 |
| Memoranda: | ||
| Average total assets | $1,182,594,330 | 566 |
| Average earning assets | $1,061,749,000 | 572 |
| Average equity | $110,696,330 | 656 |
| Average total loans | $855,536,000 | 511 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3574% | 2,303 |
| Cost of funding earning assets | 0.5166% | 2,749 |
| Net interest margin | 3.8408% | 2,300 |
| Noninterest income to average assets | 1.0182% | 1,092 |
| Noninterest expense to average assets | 3.1627% | 2,343 |
| Loan and lease loss provision to assets | 0.2261% | 984 |
| Net operating income to assets | 0.7006% | 3,685 |
| Return on assets (ROA) | 0.7006% | 3,764 |
| Pretax return on assets | 1.0889% | 2,961 |
| Return on Equity (ROE) | 7.6703% | 3,109 |
| Retained earnings to average equity (ytd only) | 7.6703% | 1,737 |
| Net charge-offs to loans | 0.2645% | 1,279 |
| Credit loss provision to net charge-offs | 119.8934% | 1,460 |
| Earnings coverage of net charge-offs (x) | 6.9716% | 2,172 |
| Efficiency ratio | 68.1257% | 4,161 |
| Assets per employee ($millions) | 4.1935% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0940% | 5,142 |
| Loan loss allowance to noncurrent loans | 102.9415% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.8568% | 3,586 |
| Noncurrent loans to loans | 1.0628% | 3,300 |
| Net loans and leases to total assets | 70.1891% | 1,857 |
| Net loans and leases to deposits | 80.6456% | 2,209 |
| Net loans and leases to core deposits | 85.8132% | 2,343 |
| Total domestic deposits to total assets | 87.0340% | 2,790 |
| Equity capital to assets | 9.2152% | 4,859 |
| Core capital (leverage) ratio | 8.9030% | 5,138 |
| Tier 1 risk-based capital ratio | 12.3710% | 5,394 |
| Total risk-based capital ratio | 13.4626% | 5,433 |
| Memoranda: | ||
| Average total assets | $1,193,900,500 | 567 |
| Average earning assets | $1,075,404,500 | 572 |
| Average equity | $109,043,500 | 662 |
| Average total loans | $851,466,500 | 512 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9903% | 933 |
| Cost of funding earning assets | 0.5734% | 2,895 |
| Net interest margin | 4.4170% | 886 |
| Noninterest income to average assets | 1.5184% | 612 |
| Noninterest expense to average assets | 3.6917% | 1,293 |
| Loan and lease loss provision to assets | 0.6497% | 369 |
| Net operating income to assets | 0.7461% | 3,575 |
| Return on assets (ROA) | 0.7263% | 3,763 |
| Pretax return on assets | 1.1454% | 2,785 |
| Return on Equity (ROE) | 7.4991% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.4991% | 1,234 |
| Net charge-offs to loans | 0.5566% | 1,188 |
| Credit loss provision to net charge-offs | 151.6634% | 1,529 |
| Earnings coverage of net charge-offs (x) | 4.2625% | 3,621 |
| Efficiency ratio | 64.7959% | 4,769 |
| Assets per employee ($millions) | 4.0978% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 5,210 |
| Loan loss allowance to noncurrent loans | 89.9279% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.0346% | 3,357 |
| Noncurrent loans to loans | 1.2094% | 3,124 |
| Net loans and leases to total assets | 70.8968% | 1,855 |
| Net loans and leases to deposits | 80.6445% | 2,365 |
| Net loans and leases to core deposits | 86.3392% | 2,405 |
| Total domestic deposits to total assets | 87.9128% | 2,224 |
| Equity capital to assets | 9.0503% | 4,970 |
| Core capital (leverage) ratio | 8.9066% | 5,133 |
| Tier 1 risk-based capital ratio | 11.9936% | 5,614 |
| Total risk-based capital ratio | 13.0780% | 5,654 |
| Memoranda: | ||
| Average total assets | $954,259,000 | 696 |
| Average earning assets | $864,033,800 | 691 |
| Average equity | $92,424,200 | 760 |
| Average total loans | $734,491,000 | 574 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 821 |
| Cost of funding earning assets | 0.5934% | 2,866 |
| Net interest margin | 4.4755% | 761 |
| Noninterest income to average assets | 1.7357% | 511 |
| Noninterest expense to average assets | 3.7441% | 1,174 |
| Loan and lease loss provision to assets | 0.5836% | 424 |
| Net operating income to assets | 0.9182% | 2,742 |
| Return on assets (ROA) | 0.8902% | 2,997 |
| Pretax return on assets | 1.4203% | 1,866 |
| Return on Equity (ROE) | 8.9958% | 2,637 |
| Retained earnings to average equity (ytd only) | 8.9958% | 1,057 |
| Net charge-offs to loans | 0.3509% | 1,793 |
| Credit loss provision to net charge-offs | 211.2487% | 1,143 |
| Earnings coverage of net charge-offs (x) | 7.4128% | 2,801 |
| Efficiency ratio | 62.6518% | 5,039 |
| Assets per employee ($millions) | 3.9334% | 3,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 5,528 |
| Loan loss allowance to noncurrent loans | 52.7322% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 1.8984% | 2,135 |
| Noncurrent loans to loans | 1.9905% | 2,254 |
| Net loans and leases to total assets | 77.2576% | 839 |
| Net loans and leases to deposits | 89.4102% | 1,231 |
| Net loans and leases to core deposits | 94.9297% | 1,484 |
| Total domestic deposits to total assets | 86.4081% | 3,022 |
| Equity capital to assets | 9.3044% | 4,801 |
| Core capital (leverage) ratio | 9.0596% | 5,029 |
| Tier 1 risk-based capital ratio | 11.2645% | 6,167 |
| Total risk-based capital ratio | 12.3103% | 6,217 |
| Memoranda: | ||
| Average total assets | $896,755,500 | 738 |
| Average earning assets | $812,726,250 | 742 |
| Average equity | $88,735,250 | 799 |
| Average total loans | $705,902,750 | 594 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,655 |
| Cost of funding earning assets | 0.6294% | 2,684 |
| Net interest margin | 4.0392% | 1,729 |
| Noninterest income to average assets | 1.3781% | 825 |
| Noninterest expense to average assets | 3.6822% | 1,277 |
| Loan and lease loss provision to assets | 0.4745% | 597 |
| Net operating income to assets | 0.5807% | 4,400 |
| Return on assets (ROA) | 0.5348% | 4,806 |
| Pretax return on assets | 0.8297% | 4,198 |
| Return on Equity (ROE) | 5.2618% | 4,585 |
| Retained earnings to average equity (ytd only) | 5.2618% | 2,882 |
| Net charge-offs to loans | 0.4348% | 1,490 |
| Credit loss provision to net charge-offs | 138.1020% | 1,646 |
| Earnings coverage of net charge-offs (x) | 4.0050% | 3,238 |
| Efficiency ratio | 70.7105% | 3,692 |
| Assets per employee ($millions) | 3.8047% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,113 |
| Loan loss allowance to noncurrent loans | 53.3324% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.6515% | 2,628 |
| Noncurrent loans to loans | 1.7019% | 2,758 |
| Net loans and leases to total assets | 77.9205% | 758 |
| Net loans and leases to deposits | 91.2540% | 1,029 |
| Net loans and leases to core deposits | 100.4412% | 1,047 |
| Total domestic deposits to total assets | 85.3886% | 3,705 |
| Equity capital to assets | 9.4787% | 4,610 |
| Core capital (leverage) ratio | 9.7788% | 3,820 |
| Tier 1 risk-based capital ratio | 11.2015% | 6,246 |
| Total risk-based capital ratio | 12.1121% | 6,365 |
| Memoranda: | ||
| Average total assets | $821,998,670 | 810 |
| Average earning assets | $748,913,000 | 811 |
| Average equity | $83,545,330 | 858 |
| Average total loans | $649,448,670 | 647 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 2,182 |
| Cost of funding earning assets | 0.7144% | 2,099 |
| Net interest margin | 3.7820% | 2,513 |
| Noninterest income to average assets | 1.3897% | 796 |
| Noninterest expense to average assets | 3.5507% | 1,519 |
| Loan and lease loss provision to assets | 0.5599% | 469 |
| Net operating income to assets | 0.4698% | 4,823 |
| Return on assets (ROA) | 0.4698% | 4,991 |
| Pretax return on assets | 0.7299% | 4,444 |
| Return on Equity (ROE) | 4.3938% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.3938% | 3,600 |
| Net charge-offs to loans | 0.4019% | 1,452 |
| Credit loss provision to net charge-offs | 175.6757% | 1,213 |
| Earnings coverage of net charge-offs (x) | 4.0468% | 2,626 |
| Efficiency ratio | 71.5981% | 3,689 |
| Assets per employee ($millions) | 3.9560% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 4,315 |
| Loan loss allowance to noncurrent loans | 276.3930% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 4,582 |
| Noncurrent loans to loans | 0.5008% | 5,174 |
| Net loans and leases to total assets | 80.8283% | 361 |
| Net loans and leases to deposits | 94.6230% | 631 |
| Net loans and leases to core deposits | 100.1238% | 942 |
| Total domestic deposits to total assets | 85.4214% | 3,834 |
| Equity capital to assets | 11.2774% | 2,653 |
| Core capital (leverage) ratio | 10.3175% | 3,007 |
| Tier 1 risk-based capital ratio | 13.4774% | 4,887 |
| Total risk-based capital ratio | 14.7294% | 4,849 |
| Memoranda: | ||
| Average total assets | $696,534,500 | 964 |
| Average earning assets | $635,530,000 | 969 |
| Average equity | $74,468,500 | 983 |
| Average total loans | $552,329,000 | 755 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 2,550 |
| Cost of funding earning assets | 0.8856% | 2,024 |
| Net interest margin | 3.8265% | 3,121 |
| Noninterest income to average assets | 1.3475% | 850 |
| Noninterest expense to average assets | 3.4257% | 1,996 |
| Loan and lease loss provision to assets | 0.6482% | 826 |
| Net operating income to assets | 0.5227% | 4,589 |
| Return on assets (ROA) | 0.5675% | 4,650 |
| Pretax return on assets | 0.8388% | 4,153 |
| Return on Equity (ROE) | 5.0951% | 4,638 |
| Retained earnings to average equity (ytd only) | 1.0588% | 5,346 |
| Net charge-offs to loans | 0.5954% | 1,946 |
| Credit loss provision to net charge-offs | 139.3363% | 1,981 |
| Earnings coverage of net charge-offs (x) | 3.0548% | 3,908 |
| Efficiency ratio | 68.7044% | 4,017 |
| Assets per employee ($millions) | 4.6105% | 2,761 |
| Cash dividends to net income (ytd only)* | 79.2184% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 4,773 |
| Loan loss allowance to noncurrent loans | 101.3379% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9910% | 4,051 |
| Noncurrent loans to loans | 1.2548% | 3,740 |
| Net loans and leases to total assets | 75.8869% | 927 |
| Net loans and leases to deposits | 88.9343% | 1,173 |
| Net loans and leases to core deposits | 96.6415% | 1,252 |
| Total domestic deposits to total assets | 85.3292% | 3,698 |
| Equity capital to assets | 10.1565% | 3,954 |
| Core capital (leverage) ratio | 10.1195% | 3,248 |
| Tier 1 risk-based capital ratio | 12.8453% | 5,219 |
| Total risk-based capital ratio | 14.0959% | 5,157 |
| Memoranda: | ||
| Average total assets | $667,259,000 | 988 |
| Average earning assets | $610,187,000 | 983 |
| Average equity | $74,327,000 | 953 |
| Average total loans | $521,313,200 | 792 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6951% | 2,825 |
| Cost of funding earning assets | 0.9292% | 1,984 |
| Net interest margin | 3.7658% | 3,484 |
| Noninterest income to average assets | 1.3440% | 822 |
| Noninterest expense to average assets | 3.4938% | 1,777 |
| Loan and lease loss provision to assets | 0.6851% | 750 |
| Net operating income to assets | 0.4305% | 5,117 |
| Return on assets (ROA) | 0.4935% | 5,137 |
| Pretax return on assets | 0.7053% | 4,843 |
| Return on Equity (ROE) | 4.3235% | 5,139 |
| Retained earnings to average equity (ytd only) | 4.3235% | 3,847 |
| Net charge-offs to loans | 0.7187% | 1,535 |
| Credit loss provision to net charge-offs | 121.4648% | 2,385 |
| Earnings coverage of net charge-offs (x) | 2.3057% | 4,123 |
| Efficiency ratio | 70.7845% | 3,537 |
| Assets per employee ($millions) | 4.3261% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 5,361 |
| Loan loss allowance to noncurrent loans | 42.8392% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 2.3669% | 2,246 |
| Noncurrent loans to loans | 2.7590% | 2,051 |
| Net loans and leases to total assets | 81.4591% | 387 |
| Net loans and leases to deposits | 97.2713% | 585 |
| Net loans and leases to core deposits | 110.5367% | 547 |
| Total domestic deposits to total assets | 83.7443% | 4,338 |
| Equity capital to assets | 11.3847% | 2,867 |
| Core capital (leverage) ratio | 10.9340% | 2,456 |
| Tier 1 risk-based capital ratio | 13.2696% | 5,042 |
| Total risk-based capital ratio | 14.4665% | 5,049 |
| Memoranda: | ||
| Average total assets | $651,959,000 | 1,019 |
| Average earning assets | $597,320,000 | 1,012 |
| Average equity | $74,412,250 | 956 |
| Average total loans | $511,660,250 | 817 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 3,074 |
| Cost of funding earning assets | 0.9718% | 1,922 |
| Net interest margin | 3.6927% | 3,860 |
| Noninterest income to average assets | 1.3031% | 836 |
| Noninterest expense to average assets | 3.5139% | 1,756 |
| Loan and lease loss provision to assets | 0.7339% | 714 |
| Net operating income to assets | 0.3184% | 5,555 |
| Return on assets (ROA) | 0.4163% | 5,386 |
| Pretax return on assets | 0.5754% | 5,225 |
| Return on Equity (ROE) | 3.6438% | 5,423 |
| Retained earnings to average equity (ytd only) | 3.6438% | 4,173 |
| Net charge-offs to loans | 0.8931% | 1,233 |
| Credit loss provision to net charge-offs | 106.5500% | 2,556 |
| Earnings coverage of net charge-offs (x) | 1.7035% | 4,133 |
| Efficiency ratio | 72.7518% | 3,287 |
| Assets per employee ($millions) | 4.2206% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 5,528 |
| Loan loss allowance to noncurrent loans | 39.4299% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 2.4796% | 2,251 |
| Noncurrent loans to loans | 2.9413% | 2,031 |
| Net loans and leases to total assets | 78.7524% | 647 |
| Net loans and leases to deposits | 94.7959% | 709 |
| Net loans and leases to core deposits | 111.1987% | 531 |
| Total domestic deposits to total assets | 83.0758% | 4,728 |
| Equity capital to assets | 11.3963% | 2,692 |
| Core capital (leverage) ratio | 11.3392% | 2,017 |
| Tier 1 risk-based capital ratio | 13.4646% | 4,860 |
| Total risk-based capital ratio | 14.6173% | 4,882 |
| Memoranda: | ||
| Average total assets | $647,203,330 | 1,025 |
| Average earning assets | $593,120,670 | 1,015 |
| Average equity | $73,933,670 | 952 |
| Average total loans | $499,149,330 | 831 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6633% | 3,197 |
| Cost of funding earning assets | 1.0512% | 1,665 |
| Net interest margin | 3.6121% | 4,214 |
| Noninterest income to average assets | 1.3018% | 840 |
| Noninterest expense to average assets | 3.4543% | 1,862 |
| Loan and lease loss provision to assets | 0.7767% | 640 |
| Net operating income to assets | 0.2890% | 5,694 |
| Return on assets (ROA) | 0.3846% | 5,505 |
| Pretax return on assets | 0.5201% | 5,363 |
| Return on Equity (ROE) | 3.3630% | 5,568 |
| Retained earnings to average equity (ytd only) | 3.3630% | 4,554 |
| Net charge-offs to loans | 0.9637% | 1,072 |
| Credit loss provision to net charge-offs | 106.2925% | 2,180 |
| Earnings coverage of net charge-offs (x) | 1.5978% | 3,528 |
| Efficiency ratio | 72.4792% | 3,346 |
| Assets per employee ($millions) | 4.0860% | 3,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2132% | 5,427 |
| Loan loss allowance to noncurrent loans | 34.1900% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 2.8361% | 2,065 |
| Noncurrent loans to loans | 3.5483% | 1,751 |
| Net loans and leases to total assets | 77.8001% | 613 |
| Net loans and leases to deposits | 93.2339% | 716 |
| Net loans and leases to core deposits | 101.3385% | 898 |
| Total domestic deposits to total assets | 83.4461% | 4,733 |
| Equity capital to assets | 11.8126% | 2,174 |
| Core capital (leverage) ratio | 10.9347% | 2,311 |
| Tier 1 risk-based capital ratio | 14.0680% | 4,422 |
| Total risk-based capital ratio | 15.2763% | 4,418 |
| Memoranda: | ||
| Average total assets | $643,711,000 | 1,026 |
| Average earning assets | $591,680,500 | 1,019 |
| Average equity | $73,624,000 | 944 |
| Average total loans | $488,107,000 | 844 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1541% | 2,237 |
| Cost of funding earning assets | 1.2545% | 1,705 |
| Net interest margin | 3.8996% | 3,341 |
| Noninterest income to average assets | 1.1595% | 976 |
| Noninterest expense to average assets | 3.2846% | 2,572 |
| Loan and lease loss provision to assets | 1.0472% | 888 |
| Net operating income to assets | 0.3032% | 5,237 |
| Return on assets (ROA) | 0.3032% | 5,394 |
| Pretax return on assets | 0.4019% | 5,292 |
| Return on Equity (ROE) | 2.7899% | 5,367 |
| Retained earnings to average equity (ytd only) | 0.6000% | 5,563 |
| Net charge-offs to loans | 1.8565% | 779 |
| Credit loss provision to net charge-offs | 70.6941% | 4,818 |
| Earnings coverage of net charge-offs (x) | 0.9783% | 5,062 |
| Efficiency ratio | 66.9046% | 4,591 |
| Assets per employee ($millions) | 4.3858% | 3,088 |
| Cash dividends to net income (ytd only)* | 78.4929% | 834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 5,300 |
| Loan loss allowance to noncurrent loans | 62.2520% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 3,666 |
| Noncurrent loans to loans | 1.9584% | 3,261 |
| Net loans and leases to total assets | 72.1718% | 1,620 |
| Net loans and leases to deposits | 85.6077% | 1,719 |
| Net loans and leases to core deposits | 96.0958% | 1,486 |
| Total domestic deposits to total assets | 84.3053% | 4,182 |
| Equity capital to assets | 11.0833% | 2,910 |
| Core capital (leverage) ratio | 11.0646% | 2,220 |
| Tier 1 risk-based capital ratio | 14.3323% | 4,089 |
| Total risk-based capital ratio | 15.5632% | 4,064 |
| Memoranda: | ||
| Average total assets | $630,272,000 | 1,028 |
| Average earning assets | $577,674,000 | 1,024 |
| Average equity | $68,497,200 | 983 |
| Average total loans | $502,871,000 | 829 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2996% | 1,858 |
| Cost of funding earning assets | 1.3123% | 1,635 |
| Net interest margin | 3.9873% | 2,965 |
| Noninterest income to average assets | 1.0863% | 1,139 |
| Noninterest expense to average assets | 3.3558% | 2,328 |
| Loan and lease loss provision to assets | 1.0285% | 826 |
| Net operating income to assets | 0.2738% | 5,490 |
| Return on assets (ROA) | 0.2738% | 5,652 |
| Pretax return on assets | 0.3484% | 5,603 |
| Return on Equity (ROE) | 2.5330% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.5330% | 4,850 |
| Net charge-offs to loans | 2.0196% | 625 |
| Credit loss provision to net charge-offs | 62.4268% | 4,733 |
| Earnings coverage of net charge-offs (x) | 0.8357% | 4,986 |
| Efficiency ratio | 68.3131% | 4,257 |
| Assets per employee ($millions) | 4.0104% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 5,615 |
| Loan loss allowance to noncurrent loans | 48.5879% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 2.1227% | 3,005 |
| Noncurrent loans to loans | 2.3989% | 2,889 |
| Net loans and leases to total assets | 81.5375% | 395 |
| Net loans and leases to deposits | 98.7255% | 530 |
| Net loans and leases to core deposits | 112.3799% | 594 |
| Total domestic deposits to total assets | 82.5901% | 4,839 |
| Equity capital to assets | 12.4258% | 1,958 |
| Core capital (leverage) ratio | 11.4140% | 2,093 |
| Tier 1 risk-based capital ratio | 14.2879% | 4,136 |
| Total risk-based capital ratio | 15.4723% | 4,150 |
| Memoranda: | ||
| Average total assets | $622,275,750 | 1,055 |
| Average earning assets | $569,056,000 | 1,049 |
| Average equity | $67,271,500 | 1,003 |
| Average total loans | $507,623,250 | 835 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3111% | 1,850 |
| Cost of funding earning assets | 1.3263% | 1,788 |
| Net interest margin | 3.9848% | 2,912 |
| Noninterest income to average assets | 1.0293% | 1,250 |
| Noninterest expense to average assets | 3.2960% | 2,585 |
| Loan and lease loss provision to assets | 1.0468% | 806 |
| Net operating income to assets | 0.2633% | 5,503 |
| Return on assets (ROA) | 0.2633% | 5,629 |
| Pretax return on assets | 0.3327% | 5,590 |
| Return on Equity (ROE) | 2.5560% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.5560% | 4,666 |
| Net charge-offs to loans | 2.3547% | 533 |
| Credit loss provision to net charge-offs | 54.6901% | 4,467 |
| Earnings coverage of net charge-offs (x) | 0.7207% | 4,753 |
| Efficiency ratio | 67.8155% | 4,548 |
| Assets per employee ($millions) | 4.2324% | 3,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,625 |
| Loan loss allowance to noncurrent loans | 38.2313% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 2.6417% | 2,526 |
| Noncurrent loans to loans | 3.0925% | 2,329 |
| Net loans and leases to total assets | 80.9252% | 453 |
| Net loans and leases to deposits | 95.9835% | 722 |
| Net loans and leases to core deposits | 115.1179% | 543 |
| Total domestic deposits to total assets | 84.3116% | 4,211 |
| Equity capital to assets | 10.7672% | 3,209 |
| Core capital (leverage) ratio | 9.8211% | 3,491 |
| Tier 1 risk-based capital ratio | 12.4502% | 5,394 |
| Total risk-based capital ratio | 13.6586% | 5,411 |
| Memoranda: | ||
| Average total assets | $630,519,000 | 1,044 |
| Average earning assets | $576,947,670 | 1,039 |
| Average equity | $64,945,330 | 1,039 |
| Average total loans | $512,507,670 | 840 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3978% | 1,562 |
| Cost of funding earning assets | 1.3903% | 1,662 |
| Net interest margin | 4.0075% | 2,656 |
| Noninterest income to average assets | 1.0302% | 1,243 |
| Noninterest expense to average assets | 3.2884% | 2,600 |
| Loan and lease loss provision to assets | 0.9360% | 844 |
| Net operating income to assets | 0.3263% | 5,285 |
| Return on assets (ROA) | 0.3263% | 5,362 |
| Pretax return on assets | 0.4661% | 5,135 |
| Return on Equity (ROE) | 3.2380% | 5,266 |
| Retained earnings to average equity (ytd only) | 3.2380% | 4,233 |
| Net charge-offs to loans | 1.6571% | 806 |
| Credit loss provision to net charge-offs | 69.7350% | 3,357 |
| Earnings coverage of net charge-offs (x) | 1.0446% | 3,880 |
| Efficiency ratio | 67.4870% | 4,756 |
| Assets per employee ($millions) | 4.2034% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 4,061 |
| Loan loss allowance to noncurrent loans | 73.3756% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.9784% | 3,344 |
| Noncurrent loans to loans | 2.0828% | 3,463 |
| Net loans and leases to total assets | 82.1366% | 338 |
| Net loans and leases to deposits | 96.8146% | 631 |
| Net loans and leases to core deposits | 117.7613% | 482 |
| Total domestic deposits to total assets | 84.8391% | 4,113 |
| Equity capital to assets | 10.3796% | 3,310 |
| Core capital (leverage) ratio | 9.4847% | 3,835 |
| Tier 1 risk-based capital ratio | 11.7176% | 5,927 |
| Total risk-based capital ratio | 12.9714% | 5,924 |
| Memoranda: | ||
| Average total assets | $641,046,500 | 1,034 |
| Average earning assets | $585,501,000 | 1,030 |
| Average equity | $64,607,000 | 1,038 |
| Average total loans | $519,206,000 | 836 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 2,483 |
| Cost of funding earning assets | 1.7601% | 1,340 |
| Net interest margin | 3.6879% | 4,403 |
| Noninterest income to average assets | 1.2459% | 959 |
| Noninterest expense to average assets | 2.9635% | 3,985 |
| Loan and lease loss provision to assets | 1.3630% | 1,111 |
| Net operating income to assets | 0.2400% | 5,138 |
| Return on assets (ROA) | 0.2647% | 5,223 |
| Pretax return on assets | 0.3478% | 5,089 |
| Return on Equity (ROE) | 2.5899% | 5,135 |
| Retained earnings to average equity (ytd only) | 2.5899% | 4,047 |
| Net charge-offs to loans | 1.2218% | 1,835 |
| Credit loss provision to net charge-offs | 139.4128% | 2,727 |
| Earnings coverage of net charge-offs (x) | 1.7166% | 4,432 |
| Efficiency ratio | 62.7077% | 5,579 |
| Assets per employee ($millions) | 4.6182% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 3,318 |
| Loan loss allowance to noncurrent loans | 79.9315% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.8674% | 3,527 |
| Noncurrent loans to loans | 2.0936% | 3,442 |
| Net loans and leases to total assets | 77.3675% | 1,037 |
| Net loans and leases to deposits | 90.7975% | 1,422 |
| Net loans and leases to core deposits | 113.0693% | 773 |
| Total domestic deposits to total assets | 85.2089% | 3,747 |
| Equity capital to assets | 9.7906% | 4,012 |
| Core capital (leverage) ratio | 9.1564% | 4,252 |
| Tier 1 risk-based capital ratio | 11.7016% | 5,724 |
| Total risk-based capital ratio | 12.9572% | 5,723 |
| Memoranda: | ||
| Average total assets | $623,627,600 | 1,070 |
| Average earning assets | $574,222,800 | 1,046 |
| Average equity | $63,746,800 | 1,045 |
| Average total loans | $498,998,200 | 898 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4742% | 2,540 |
| Cost of funding earning assets | 1.8279% | 1,312 |
| Net interest margin | 3.6464% | 4,647 |
| Noninterest income to average assets | 1.1343% | 1,087 |
| Noninterest expense to average assets | 2.9800% | 3,823 |
| Loan and lease loss provision to assets | 0.9747% | 1,534 |
| Net operating income to assets | 0.3881% | 4,801 |
| Return on assets (ROA) | 0.3881% | 4,985 |
| Pretax return on assets | 0.5497% | 4,763 |
| Return on Equity (ROE) | 3.7548% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.7548% | 3,820 |
| Net charge-offs to loans | 1.1761% | 1,734 |
| Credit loss provision to net charge-offs | 103.1164% | 4,166 |
| Earnings coverage of net charge-offs (x) | 1.6127% | 4,510 |
| Efficiency ratio | 65.5239% | 4,958 |
| Assets per employee ($millions) | 4.3770% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 5,257 |
| Loan loss allowance to noncurrent loans | 91.5600% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 1.2979% | 4,547 |
| Noncurrent loans to loans | 1.3607% | 4,589 |
| Net loans and leases to total assets | 80.6441% | 648 |
| Net loans and leases to deposits | 95.8814% | 993 |
| Net loans and leases to core deposits | 120.5681% | 591 |
| Total domestic deposits to total assets | 84.1082% | 4,052 |
| Equity capital to assets | 10.3858% | 3,663 |
| Core capital (leverage) ratio | 9.4226% | 4,027 |
| Tier 1 risk-based capital ratio | 12.1081% | 5,359 |
| Total risk-based capital ratio | 13.3587% | 5,320 |
| Memoranda: | ||
| Average total assets | $615,589,750 | 1,090 |
| Average earning assets | $568,955,500 | 1,069 |
| Average equity | $63,632,250 | 1,049 |
| Average total loans | $494,749,000 | 911 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3579% | 3,171 |
| Cost of funding earning assets | 1.8609% | 1,378 |
| Net interest margin | 3.4970% | 5,258 |
| Noninterest income to average assets | 0.9922% | 1,398 |
| Noninterest expense to average assets | 2.8464% | 4,282 |
| Loan and lease loss provision to assets | 0.9802% | 1,479 |
| Net operating income to assets | 0.3042% | 5,166 |
| Return on assets (ROA) | 0.3042% | 5,324 |
| Pretax return on assets | 0.4087% | 5,197 |
| Return on Equity (ROE) | 2.9474% | 5,254 |
| Retained earnings to average equity (ytd only) | 2.9474% | 4,252 |
| Net charge-offs to loans | 1.0902% | 1,730 |
| Credit loss provision to net charge-offs | 112.4859% | 3,614 |
| Earnings coverage of net charge-offs (x) | 1.5939% | 4,300 |
| Efficiency ratio | 67.2067% | 4,724 |
| Assets per employee ($millions) | 5.0889% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 4,813 |
| Loan loss allowance to noncurrent loans | 65.9733% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.9233% | 3,592 |
| Noncurrent loans to loans | 1.9992% | 3,717 |
| Net loans and leases to total assets | 81.7959% | 560 |
| Net loans and leases to deposits | 98.0468% | 870 |
| Net loans and leases to core deposits | 153.7091% | 198 |
| Total domestic deposits to total assets | 83.4254% | 4,380 |
| Equity capital to assets | 10.6257% | 3,254 |
| Core capital (leverage) ratio | 10.4090% | 2,705 |
| Tier 1 risk-based capital ratio | 12.8705% | 4,552 |
| Total risk-based capital ratio | 14.1218% | 4,505 |
| Memoranda: | ||
| Average total assets | $612,148,330 | 1,100 |
| Average earning assets | $567,682,000 | 1,080 |
| Average equity | $63,174,330 | 1,056 |
| Average total loans | $489,288,330 | 932 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 3,804 |
| Cost of funding earning assets | 1.9420% | 1,278 |
| Net interest margin | 3.3036% | 5,959 |
| Noninterest income to average assets | 0.9709% | 1,388 |
| Noninterest expense to average assets | 2.8894% | 4,108 |
| Loan and lease loss provision to assets | 0.9709% | 1,287 |
| Net operating income to assets | 0.1728% | 5,778 |
| Return on assets (ROA) | 0.1728% | 5,905 |
| Pretax return on assets | 0.1871% | 5,914 |
| Return on Equity (ROE) | 1.6991% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.6991% | 5,089 |
| Net charge-offs to loans | 0.5096% | 2,540 |
| Credit loss provision to net charge-offs | 242.7184% | 1,582 |
| Earnings coverage of net charge-offs (x) | 2.8948% | 3,105 |
| Efficiency ratio | 71.3897% | 4,047 |
| Assets per employee ($millions) | 5.0774% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 3,968 |
| Loan loss allowance to noncurrent loans | 93.2739% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.5906% | 4,114 |
| Noncurrent loans to loans | 1.5956% | 4,349 |
| Net loans and leases to total assets | 81.3528% | 666 |
| Net loans and leases to deposits | 97.9955% | 910 |
| Net loans and leases to core deposits | 144.6836% | 282 |
| Total domestic deposits to total assets | 83.0169% | 4,617 |
| Equity capital to assets | 10.8977% | 2,849 |
| Core capital (leverage) ratio | 9.5420% | 3,706 |
| Tier 1 risk-based capital ratio | 13.0486% | 4,299 |
| Total risk-based capital ratio | 14.3019% | 4,269 |
| Memoranda: | ||
| Average total assets | $617,977,500 | 1,112 |
| Average earning assets | $575,491,000 | 1,095 |
| Average equity | $62,858,500 | 1,065 |
| Average total loans | $485,062,000 | 969 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3453% | 4,963 |
| Cost of funding earning assets | 2.3768% | 1,377 |
| Net interest margin | 2.9685% | 6,717 |
| Noninterest income to average assets | 0.9833% | 1,631 |
| Noninterest expense to average assets | 2.5090% | 6,093 |
| Loan and lease loss provision to assets | 0.9464% | 2,383 |
| Net operating income to assets | 0.2401% | 4,761 |
| Return on assets (ROA) | 0.2401% | 4,841 |
| Pretax return on assets | 0.2926% | 4,782 |
| Return on Equity (ROE) | 2.4799% | 4,718 |
| Retained earnings to average equity (ytd only) | 2.4799% | 3,407 |
| Net charge-offs to loans | 1.1038% | 2,216 |
| Credit loss provision to net charge-offs | 112.9093% | 4,854 |
| Earnings coverage of net charge-offs (x) | 1.4782% | 4,645 |
| Efficiency ratio | 66.9430% | 5,197 |
| Assets per employee ($millions) | 5.7643% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 4,958 |
| Loan loss allowance to noncurrent loans | 75.8982% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.4580% | 4,223 |
| Noncurrent loans to loans | 1.6685% | 4,147 |
| Net loans and leases to total assets | 73.9408% | 2,287 |
| Net loans and leases to deposits | 87.1132% | 2,718 |
| Net loans and leases to core deposits | 106.5371% | 3,269 |
| Total domestic deposits to total assets | 84.8790% | 3,610 |
| Equity capital to assets | 9.5321% | 4,379 |
| Core capital (leverage) ratio | 10.1834% | 2,904 |
| Tier 1 risk-based capital ratio | 12.5335% | 4,495 |
| Total risk-based capital ratio | 13.7839% | 4,436 |
| Memoranda: | ||
| Average total assets | $634,004,400 | 1,093 |
| Average earning assets | $590,462,200 | 1,063 |
| Average equity | $61,373,800 | 1,079 |
| Average total loans | $481,419,600 | 1,006 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4335% | 4,774 |
| Cost of funding earning assets | 2.5277% | 1,214 |
| Net interest margin | 2.9058% | 6,847 |
| Noninterest income to average assets | 1.0164% | 1,540 |
| Noninterest expense to average assets | 2.6285% | 5,604 |
| Loan and lease loss provision to assets | 0.8729% | 2,199 |
| Net operating income to assets | 0.2146% | 5,106 |
| Return on assets (ROA) | 0.2146% | 5,188 |
| Pretax return on assets | 0.2205% | 5,252 |
| Return on Equity (ROE) | 2.2077% | 5,092 |
| Retained earnings to average equity (ytd only) | 2.2077% | 4,093 |
| Net charge-offs to loans | 0.9614% | 2,053 |
| Credit loss provision to net charge-offs | 119.1483% | 4,254 |
| Earnings coverage of net charge-offs (x) | 1.4925% | 4,667 |
| Efficiency ratio | 70.6221% | 4,479 |
| Assets per employee ($millions) | 5.0798% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 4,693 |
| Loan loss allowance to noncurrent loans | 126.6735% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2702% | 4,530 |
| Noncurrent loans to loans | 1.0023% | 5,301 |
| Net loans and leases to total assets | 82.6238% | 724 |
| Net loans and leases to deposits | 100.1072% | 1,091 |
| Net loans and leases to core deposits | 123.6232% | 1,942 |
| Total domestic deposits to total assets | 82.5353% | 4,429 |
| Equity capital to assets | 10.6424% | 3,354 |
| Core capital (leverage) ratio | 10.1143% | 3,158 |
| Tier 1 risk-based capital ratio | 12.5480% | 4,500 |
| Total risk-based capital ratio | 13.7985% | 4,454 |
| Memoranda: | ||
| Average total assets | $628,223,750 | 1,120 |
| Average earning assets | $584,928,500 | 1,095 |
| Average equity | $61,057,750 | 1,104 |
| Average total loans | $478,745,250 | 1,023 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3192% | 5,561 |
| Cost of funding earning assets | 2.5681% | 1,379 |
| Net interest margin | 2.7511% | 7,104 |
| Noninterest income to average assets | 1.0661% | 1,398 |
| Noninterest expense to average assets | 2.6321% | 5,611 |
| Loan and lease loss provision to assets | 0.7236% | 2,267 |
| Net operating income to assets | 0.2442% | 5,109 |
| Return on assets (ROA) | 0.2442% | 5,203 |
| Pretax return on assets | 0.2741% | 5,264 |
| Return on Equity (ROE) | 2.5870% | 5,065 |
| Retained earnings to average equity (ytd only) | 2.5870% | 3,889 |
| Net charge-offs to loans | 0.6429% | 2,427 |
| Credit loss provision to net charge-offs | 152.2251% | 3,019 |
| Earnings coverage of net charge-offs (x) | 2.0988% | 4,025 |
| Efficiency ratio | 72.5146% | 4,303 |
| Assets per employee ($millions) | 5.3604% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 4,080 |
| Loan loss allowance to noncurrent loans | 82.3255% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.3586% | 4,235 |
| Noncurrent loans to loans | 1.6197% | 4,067 |
| Net loans and leases to total assets | 76.1527% | 2,145 |
| Net loans and leases to deposits | 90.7258% | 2,712 |
| Net loans and leases to core deposits | 114.9060% | 2,819 |
| Total domestic deposits to total assets | 83.9372% | 3,806 |
| Equity capital to assets | 9.9458% | 4,023 |
| Core capital (leverage) ratio | 9.9553% | 3,340 |
| Tier 1 risk-based capital ratio | 12.6973% | 4,362 |
| Total risk-based capital ratio | 13.9484% | 4,275 |
| Memoranda: | ||
| Average total assets | $642,907,000 | 1,113 |
| Average earning assets | $599,112,670 | 1,075 |
| Average equity | $60,687,000 | 1,128 |
| Average total loans | $475,369,000 | 1,054 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2526% | 6,105 |
| Cost of funding earning assets | 2.6751% | 1,332 |
| Net interest margin | 2.5775% | 7,400 |
| Noninterest income to average assets | 0.9681% | 1,577 |
| Noninterest expense to average assets | 2.5367% | 5,706 |
| Loan and lease loss provision to assets | 0.6017% | 2,096 |
| Net operating income to assets | 0.2122% | 5,624 |
| Return on assets (ROA) | 0.2122% | 5,786 |
| Pretax return on assets | 0.2286% | 5,873 |
| Return on Equity (ROE) | 2.3056% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.3056% | 4,594 |
| Net charge-offs to loans | 0.6398% | 1,898 |
| Credit loss provision to net charge-offs | 129.8684% | 3,091 |
| Earnings coverage of net charge-offs (x) | 1.7921% | 3,835 |
| Efficiency ratio | 75.3395% | 3,596 |
| Assets per employee ($millions) | 5.5337% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 4,561 |
| Loan loss allowance to noncurrent loans | 114.7942% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 5,161 |
| Noncurrent loans to loans | 1.0752% | 4,830 |
| Net loans and leases to total assets | 72.5916% | 3,096 |
| Net loans and leases to deposits | 86.2437% | 3,584 |
| Net loans and leases to core deposits | 106.9397% | 3,802 |
| Total domestic deposits to total assets | 84.1703% | 3,626 |
| Equity capital to assets | 9.5929% | 4,538 |
| Core capital (leverage) ratio | 9.0661% | 4,603 |
| Tier 1 risk-based capital ratio | 12.5305% | 4,529 |
| Total risk-based capital ratio | 13.7404% | 4,474 |
| Memoranda: | ||
| Average total assets | $656,139,500 | 1,085 |
| Average earning assets | $610,666,000 | 1,052 |
| Average equity | $60,375,500 | 1,138 |
| Average total loans | $475,163,000 | 1,060 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8050% | 6,408 |
| Cost of funding earning assets | 3.2166% | 1,137 |
| Net interest margin | 2.5884% | 7,653 |
| Noninterest income to average assets | 0.9279% | 1,863 |
| Noninterest expense to average assets | 2.6311% | 5,530 |
| Loan and lease loss provision to assets | 0.6514% | 2,232 |
| Net operating income to assets | 0.1476% | 5,986 |
| Return on assets (ROA) | 0.1476% | 5,811 |
| Pretax return on assets | 0.0501% | 6,045 |
| Return on Equity (ROE) | 1.8760% | 5,651 |
| Retained earnings to average equity (ytd only) | -1.2062% | 5,660 |
| Net charge-offs to loans | 0.8400% | 1,496 |
| Credit loss provision to net charge-offs | 104.2173% | 5,129 |
| Earnings coverage of net charge-offs (x) | 1.1224% | 5,564 |
| Efficiency ratio | 78.6113% | 2,822 |
| Assets per employee ($millions) | 6.1446% | 1,062 |
| Cash dividends to net income (ytd only)* | 164.2935% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 4,927 |
| Loan loss allowance to noncurrent loans | 80.4818% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 4,277 |
| Noncurrent loans to loans | 1.4279% | 3,661 |
| Net loans and leases to total assets | 70.5798% | 3,889 |
| Net loans and leases to deposits | 82.7197% | 4,620 |
| Net loans and leases to core deposits | 104.0544% | 4,393 |
| Total domestic deposits to total assets | 85.3241% | 2,694 |
| Equity capital to assets | 8.8332% | 5,598 |
| Core capital (leverage) ratio | 9.1215% | 4,561 |
| Tier 1 risk-based capital ratio | 11.8626% | 4,931 |
| Total risk-based capital ratio | 12.9831% | 4,940 |
| Memoranda: | ||
| Average total assets | $618,407,800 | 1,084 |
| Average earning assets | $574,521,600 | 1,075 |
| Average equity | $48,667,000 | 1,409 |
| Average total loans | $460,126,000 | 1,052 |