Home > Northrim Bank > Performance and Condition Ratios
Northrim 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 | 5.4334% | 1,253 |
| Cost of funding earning assets | 1.1521% | 2,933 |
| Net interest margin | 4.2813% | 837 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 3.4065% | 651 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 0.9940% | 2,240 |
| Return on assets (ROA) | 0.9940% | 2,223 |
| Pretax return on assets | 1.2683% | 1,962 |
| Return on Equity (ROE) | 13.7000% | 1,557 |
| Retained earnings to average equity (ytd only) | 6.2331% | 2,162 |
| Net charge-offs to loans | -0.0022% | 3,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.6890% | 1,794 |
| Assets per employee ($millions) | 5.9087% | 2,891 |
| Cash dividends to net income (ytd only)* | 54.4977% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9293% | 3,612 |
| Loan loss allowance to noncurrent loans | 251.1269% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 1,976 |
| Noncurrent loans to loans | 0.3701% | 1,878 |
| Net loans and leases to total assets | 66.0100% | 2,255 |
| Net loans and leases to deposits | 73.5439% | 2,649 |
| Net loans and leases to core deposits | 77.9713% | 2,837 |
| Total domestic deposits to total assets | 89.7600% | 822 |
| Equity capital to assets | 7.4809% | 3,731 |
| Core capital (leverage) ratio | 7.4258% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7274% | 2,850 |
| Memoranda: | ||
| Average total assets | $2,682,013,400 | 437 |
| Average earning assets | $2,496,373,200 | 423 |
| Average equity | $194,606,600 | 555 |
| Average total loans | $1,709,079,800 | 466 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3269% | 1,248 |
| Cost of funding earning assets | 1.0568% | 2,872 |
| Net interest margin | 4.2701% | 837 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 3.4324% | 603 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 1.0462% | 2,230 |
| Return on assets (ROA) | 1.0462% | 2,216 |
| Pretax return on assets | 1.2789% | 2,098 |
| Return on Equity (ROE) | 14.5400% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.5477% | 2,125 |
| Net charge-offs to loans | -0.0107% | 3,949 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.6167% | 1,721 |
| Assets per employee ($millions) | 5.8679% | 2,869 |
| Cash dividends to net income (ytd only)* | 48.0802% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 3,706 |
| Loan loss allowance to noncurrent loans | 252.9294% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 2,052 |
| Noncurrent loans to loans | 0.3587% | 1,944 |
| Net loans and leases to total assets | 64.9000% | 2,354 |
| Net loans and leases to deposits | 73.4931% | 2,610 |
| Net loans and leases to core deposits | 77.3117% | 2,778 |
| Total domestic deposits to total assets | 88.3100% | 1,470 |
| Equity capital to assets | 7.1415% | 3,546 |
| Core capital (leverage) ratio | 7.6536% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9579% | 2,828 |
| Memoranda: | ||
| Average total assets | $2,655,286,750 | 440 |
| Average earning assets | $2,468,798,500 | 425 |
| Average equity | $191,099,250 | 559 |
| Average total loans | $1,671,771,500 | 475 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 1,219 |
| Cost of funding earning assets | 0.9440% | 2,796 |
| Net interest margin | 4.2513% | 860 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 3.4836% | 547 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.9036% | 2,742 |
| Return on assets (ROA) | 0.9036% | 2,730 |
| Pretax return on assets | 1.1188% | 2,593 |
| Return on Equity (ROE) | 12.5200% | 2,003 |
| Retained earnings to average equity (ytd only) | 5.2796% | 2,869 |
| Net charge-offs to loans | -0.0047% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.5213% | 1,401 |
| Assets per employee ($millions) | 5.3554% | 3,272 |
| Cash dividends to net income (ytd only)* | 57.8368% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8982% | 3,791 |
| Loan loss allowance to noncurrent loans | 202.5767% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 1,697 |
| Noncurrent loans to loans | 0.4434% | 1,612 |
| Net loans and leases to total assets | 65.7800% | 2,179 |
| Net loans and leases to deposits | 74.1266% | 2,478 |
| Net loans and leases to core deposits | 78.0589% | 2,608 |
| Total domestic deposits to total assets | 88.7400% | 1,337 |
| Equity capital to assets | 7.2950% | 3,640 |
| Core capital (leverage) ratio | 7.7364% | 4,476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1487% | 2,826 |
| Memoranda: | ||
| Average total assets | $2,615,204,000 | 433 |
| Average earning assets | $2,435,047,667 | 420 |
| Average equity | $188,727,667 | 552 |
| Average total loans | $1,623,088,667 | 476 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0273% | 1,177 |
| Cost of funding earning assets | 0.7862% | 2,786 |
| Net interest margin | 4.2411% | 886 |
| Noninterest income to average assets | 0.6200% | 1,354 |
| Noninterest expense to average assets | 3.4731% | 558 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.8349% | 3,073 |
| Return on assets (ROA) | 0.8349% | 3,031 |
| Pretax return on assets | 1.0472% | 2,866 |
| Return on Equity (ROE) | 11.6300% | 2,312 |
| Retained earnings to average equity (ytd only) | 2.8606% | 3,535 |
| Net charge-offs to loans | -0.0153% | 4,004 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 75.8932% | 1,177 |
| Assets per employee ($millions) | 5.3101% | 3,404 |
| Cash dividends to net income (ytd only)* | 75.4083% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 3,867 |
| Loan loss allowance to noncurrent loans | 161.3333% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3528% | 1,457 |
| Noncurrent loans to loans | 0.5553% | 1,335 |
| Net loans and leases to total assets | 61.0700% | 2,552 |
| Net loans and leases to deposits | 67.3624% | 2,821 |
| Net loans and leases to core deposits | 70.5661% | 2,915 |
| Total domestic deposits to total assets | 90.6500% | 929 |
| Equity capital to assets | 7.4451% | 3,592 |
| Core capital (leverage) ratio | 7.6767% | 4,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4492% | 2,864 |
| Memoranda: | ||
| Average total assets | $2,610,724,000 | 448 |
| Average earning assets | $2,434,624,000 | 432 |
| Average equity | $187,375,500 | 564 |
| Average total loans | $1,563,701,000 | 502 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0930% | 1,491 |
| Cost of funding earning assets | 0.1990% | 3,765 |
| Net interest margin | 3.8941% | 965 |
| Noninterest income to average assets | 1.2400% | 444 |
| Noninterest expense to average assets | 3.2346% | 683 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.2394% | 1,628 |
| Return on assets (ROA) | 1.2394% | 1,584 |
| Pretax return on assets | 1.5801% | 1,215 |
| Return on Equity (ROE) | 17.3500% | 803 |
| Retained earnings to average equity (ytd only) | 4.5142% | 3,230 |
| Net charge-offs to loans | -0.0759% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.2059% | 2,206 |
| Assets per employee ($millions) | 5.6645% | 3,070 |
| Cash dividends to net income (ytd only)* | 73.9830% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 3,791 |
| Loan loss allowance to noncurrent loans | 195.5625% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 1,826 |
| Noncurrent loans to loans | 0.4574% | 1,566 |
| Net loans and leases to total assets | 57.7100% | 2,843 |
| Net loans and leases to deposits | 63.4276% | 3,091 |
| Net loans and leases to core deposits | 65.5293% | 3,165 |
| Total domestic deposits to total assets | 90.9900% | 963 |
| Equity capital to assets | 6.9185% | 3,706 |
| Core capital (leverage) ratio | 7.3101% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4199% | 2,884 |
| Memoranda: | ||
| Average total assets | $2,655,867,400 | 429 |
| Average earning assets | $2,486,009,800 | 422 |
| Average equity | $189,711,600 | 547 |
| Average total loans | $1,484,591,000 | 486 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 1,629 |
| Cost of funding earning assets | 0.1376% | 3,960 |
| Net interest margin | 3.7072% | 1,119 |
| Noninterest income to average assets | 1.3600% | 400 |
| Noninterest expense to average assets | 3.2502% | 640 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2401% | 1,552 |
| Return on assets (ROA) | 1.2401% | 1,530 |
| Pretax return on assets | 1.5828% | 1,165 |
| Return on Equity (ROE) | 17.2300% | 755 |
| Retained earnings to average equity (ytd only) | 5.7519% | 2,836 |
| Net charge-offs to loans | -0.0944% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.2576% | 2,121 |
| Assets per employee ($millions) | 6.2839% | 2,506 |
| Cash dividends to net income (ytd only)* | 66.6073% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 4,050 |
| Loan loss allowance to noncurrent loans | 168.9509% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.4711% | 1,148 |
| Noncurrent loans to loans | 0.4853% | 1,588 |
| Net loans and leases to total assets | 53.6400% | 3,134 |
| Net loans and leases to deposits | 58.7842% | 3,288 |
| Net loans and leases to core deposits | 60.3971% | 3,353 |
| Total domestic deposits to total assets | 91.2500% | 1,138 |
| Equity capital to assets | 6.7044% | 3,657 |
| Core capital (leverage) ratio | 7.4758% | 4,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7276% | 2,886 |
| Memoranda: | ||
| Average total assets | $2,655,671,000 | 433 |
| Average earning assets | $2,487,898,750 | 423 |
| Average equity | $191,189,500 | 549 |
| Average total loans | $1,468,978,750 | 483 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5375% | 2,022 |
| Cost of funding earning assets | 0.1125% | 4,052 |
| Net interest margin | 3.4249% | 1,529 |
| Noninterest income to average assets | 1.4369% | 354 |
| Noninterest expense to average assets | 3.2628% | 578 |
| Loan and lease loss provision to assets | 0.0237% | 2,172 |
| Net operating income to assets | 1.0730% | 1,885 |
| Return on assets (ROA) | 1.0730% | 1,857 |
| Pretax return on assets | 1.3619% | 1,546 |
| Return on Equity (ROE) | 14.5630% | 985 |
| Retained earnings to average equity (ytd only) | 2.2659% | 3,676 |
| Net charge-offs to loans | 0.0419% | 964 |
| Credit loss provision to net charge-offs | 34.4156% | 1,551 |
| Earnings coverage of net charge-offs (x) | 59.3896% | 1,085 |
| Efficiency ratio | 70.1698% | 1,936 |
| Assets per employee ($millions) | 5.6609% | 3,079 |
| Cash dividends to net income (ytd only)* | 84.4405% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 4,209 |
| Loan loss allowance to noncurrent loans | 144.1945% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 1,081 |
| Noncurrent loans to loans | 0.5391% | 1,536 |
| Net loans and leases to total assets | 56.6718% | 2,682 |
| Net loans and leases to deposits | 62.3674% | 2,862 |
| Net loans and leases to core deposits | 64.3649% | 2,935 |
| Total domestic deposits to total assets | 90.8676% | 1,297 |
| Equity capital to assets | 7.2219% | 3,651 |
| Core capital (leverage) ratio | 7.3805% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4708% | 2,934 |
| Memoranda: | ||
| Average total assets | $2,640,206,333 | 432 |
| Average earning assets | $2,475,680,667 | 424 |
| Average equity | $194,533,667 | 547 |
| Average total loans | $1,471,502,667 | 479 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2554% | 2,516 |
| Cost of funding earning assets | 0.1096% | 4,022 |
| Net interest margin | 3.1458% | 2,039 |
| Noninterest income to average assets | 1.6369% | 316 |
| Noninterest expense to average assets | 3.0779% | 712 |
| Loan and lease loss provision to assets | -0.0225% | 4,455 |
| Net operating income to assets | 1.2291% | 1,173 |
| Return on assets (ROA) | 1.2291% | 1,156 |
| Pretax return on assets | 1.5368% | 945 |
| Return on Equity (ROE) | 16.5212% | 474 |
| Retained earnings to average equity (ytd only) | 4.7460% | 2,684 |
| Net charge-offs to loans | 0.0715% | 637 |
| Credit loss provision to net charge-offs | -63.7405% | 2,837 |
| Earnings coverage of net charge-offs (x) | 38.4504% | 1,024 |
| Efficiency ratio | 67.0060% | 2,634 |
| Assets per employee ($millions) | 5.6785% | 3,148 |
| Cash dividends to net income (ytd only)* | 71.2731% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,267 |
| Loan loss allowance to noncurrent loans | 117.7022% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.5837% | 1,010 |
| Noncurrent loans to loans | 0.6692% | 1,419 |
| Net loans and leases to total assets | 54.5387% | 2,685 |
| Net loans and leases to deposits | 60.0569% | 2,905 |
| Net loans and leases to core deposits | 62.0348% | 2,970 |
| Total domestic deposits to total assets | 90.8116% | 1,132 |
| Equity capital to assets | 7.4008% | 3,990 |
| Core capital (leverage) ratio | 7.3866% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0441% | 2,882 |
| Memoranda: | ||
| Average total assets | $2,661,137,500 | 435 |
| Average earning assets | $2,499,989,000 | 424 |
| Average equity | $197,975,500 | 552 |
| Average total loans | $1,465,221,000 | 475 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 1,838 |
| Cost of funding earning assets | 0.1545% | 3,921 |
| Net interest margin | 3.6581% | 1,323 |
| Noninterest income to average assets | 2.0855% | 295 |
| Noninterest expense to average assets | 3.5895% | 433 |
| Loan and lease loss provision to assets | -0.1682% | 4,653 |
| Net operating income to assets | 1.5838% | 851 |
| Return on assets (ROA) | 1.5838% | 884 |
| Pretax return on assets | 2.0671% | 535 |
| Return on Equity (ROE) | 19.1537% | 365 |
| Retained earnings to average equity (ytd only) | 4.2097% | 3,129 |
| Net charge-offs to loans | 0.0695% | 1,098 |
| Credit loss provision to net charge-offs | -341.3731% | 3,651 |
| Earnings coverage of net charge-offs (x) | 41.7967% | 1,411 |
| Efficiency ratio | 65.3745% | 2,352 |
| Assets per employee ($millions) | 6.0092% | 2,766 |
| Cash dividends to net income (ytd only)* | 78.0214% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7855% | 4,289 |
| Loan loss allowance to noncurrent loans | 100.7639% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 1,024 |
| Noncurrent loans to loans | 0.7795% | 1,307 |
| Net loans and leases to total assets | 54.7119% | 2,762 |
| Net loans and leases to deposits | 60.4272% | 3,039 |
| Net loans and leases to core deposits | 62.3877% | 3,127 |
| Total domestic deposits to total assets | 90.5419% | 692 |
| Equity capital to assets | 7.4768% | 4,600 |
| Core capital (leverage) ratio | 7.3166% | 4,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1900% | 2,841 |
| Memoranda: | ||
| Average total assets | $2,436,657,200 | 444 |
| Average earning assets | $2,266,693,600 | 443 |
| Average equity | $201,485,800 | 539 |
| Average total loans | $1,591,780,200 | 448 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8524% | 1,907 |
| Cost of funding earning assets | 0.1702% | 3,919 |
| Net interest margin | 3.6822% | 1,377 |
| Noninterest income to average assets | 2.3408% | 264 |
| Noninterest expense to average assets | 3.6627% | 386 |
| Loan and lease loss provision to assets | -0.1701% | 4,715 |
| Net operating income to assets | 1.7352% | 762 |
| Return on assets (ROA) | 1.7352% | 796 |
| Pretax return on assets | 2.2617% | 489 |
| Return on Equity (ROE) | 20.4251% | 395 |
| Retained earnings to average equity (ytd only) | 5.1252% | 3,173 |
| Net charge-offs to loans | -0.0016% | 3,181 |
| Credit loss provision to net charge-offs | 14,884.2105% | 50 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6252% | 2,448 |
| Assets per employee ($millions) | 5.8304% | 2,853 |
| Cash dividends to net income (ytd only)* | 74.9075% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8761% | 4,216 |
| Loan loss allowance to noncurrent loans | 110.5899% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7094% | 1,043 |
| Noncurrent loans to loans | 0.7922% | 1,428 |
| Net loans and leases to total assets | 60.2492% | 2,220 |
| Net loans and leases to deposits | 67.0636% | 2,534 |
| Net loans and leases to core deposits | 69.2967% | 2,655 |
| Total domestic deposits to total assets | 89.8390% | 847 |
| Equity capital to assets | 7.8757% | 4,571 |
| Core capital (leverage) ratio | 7.5800% | 4,668 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2459% | 2,917 |
| Memoranda: | ||
| Average total assets | $2,368,279,750 | 460 |
| Average earning assets | $2,195,457,000 | 457 |
| Average equity | $201,198,500 | 541 |
| Average total loans | $1,616,094,500 | 439 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9351% | 1,726 |
| Cost of funding earning assets | 0.1904% | 3,847 |
| Net interest margin | 3.7446% | 1,231 |
| Noninterest income to average assets | 2.5293% | 239 |
| Noninterest expense to average assets | 3.7216% | 359 |
| Loan and lease loss provision to assets | -0.1670% | 4,730 |
| Net operating income to assets | 1.8719% | 619 |
| Return on assets (ROA) | 1.8719% | 647 |
| Pretax return on assets | 2.4394% | 392 |
| Return on Equity (ROE) | 21.4437% | 353 |
| Retained earnings to average equity (ytd only) | 4.7874% | 3,264 |
| Net charge-offs to loans | 0.0025% | 2,112 |
| Credit loss provision to net charge-offs | -10,330.0000% | 4,053 |
| Earnings coverage of net charge-offs (x) | 1,302.5500% | 96 |
| Efficiency ratio | 62.0632% | 2,719 |
| Assets per employee ($millions) | 5.3820% | 3,255 |
| Cash dividends to net income (ytd only)* | 77.6747% | 533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,142 |
| Loan loss allowance to noncurrent loans | 110.9509% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 956 |
| Noncurrent loans to loans | 0.8158% | 1,509 |
| Net loans and leases to total assets | 65.2873% | 1,790 |
| Net loans and leases to deposits | 73.0803% | 2,097 |
| Net loans and leases to core deposits | 75.9445% | 2,242 |
| Total domestic deposits to total assets | 89.3364% | 1,120 |
| Equity capital to assets | 8.2760% | 4,372 |
| Core capital (leverage) ratio | 7.8796% | 4,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5801% | 2,837 |
| Memoranda: | ||
| Average total assets | $2,292,864,000 | 467 |
| Average earning assets | $2,121,436,667 | 465 |
| Average equity | $200,152,333 | 539 |
| Average total loans | $1,629,126,333 | 439 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 1,362 |
| Cost of funding earning assets | 0.2013% | 3,901 |
| Net interest margin | 3.9073% | 973 |
| Noninterest income to average assets | 2.7874% | 225 |
| Noninterest expense to average assets | 3.7383% | 350 |
| Loan and lease loss provision to assets | -0.2681% | 4,845 |
| Net operating income to assets | 2.3242% | 348 |
| Return on assets (ROA) | 2.3242% | 374 |
| Pretax return on assets | 2.9220% | 252 |
| Return on Equity (ROE) | 25.8873% | 234 |
| Retained earnings to average equity (ytd only) | 11.8551% | 1,185 |
| Net charge-offs to loans | -0.0107% | 3,695 |
| Credit loss provision to net charge-offs | 4,327.2727% | 129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4566% | 3,241 |
| Assets per employee ($millions) | 5.1782% | 3,451 |
| Cash dividends to net income (ytd only)* | 54.2051% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 4,209 |
| Loan loss allowance to noncurrent loans | 102.0812% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9432% | 894 |
| Noncurrent loans to loans | 0.8625% | 1,557 |
| Net loans and leases to total assets | 71.1716% | 1,132 |
| Net loans and leases to deposits | 80.1041% | 1,511 |
| Net loans and leases to core deposits | 83.2838% | 1,736 |
| Total domestic deposits to total assets | 88.8488% | 1,415 |
| Equity capital to assets | 8.6902% | 3,971 |
| Core capital (leverage) ratio | 8.6244% | 3,986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2269% | 2,586 |
| Memoranda: | ||
| Average total assets | $2,220,263,500 | 476 |
| Average earning assets | $2,048,391,000 | 473 |
| Average equity | $199,341,000 | 530 |
| Average total loans | $1,640,546,000 | 435 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,113 |
| Cost of funding earning assets | 0.3364% | 3,943 |
| Net interest margin | 4.2520% | 562 |
| Noninterest income to average assets | 3.2034% | 175 |
| Noninterest expense to average assets | 4.5781% | 245 |
| Loan and lease loss provision to assets | 0.1269% | 2,773 |
| Net operating income to assets | 1.7843% | 402 |
| Return on assets (ROA) | 1.7843% | 436 |
| Pretax return on assets | 2.3457% | 239 |
| Return on Equity (ROE) | 17.9056% | 338 |
| Retained earnings to average equity (ytd only) | 6.5585% | 1,566 |
| Net charge-offs to loans | 0.0269% | 2,498 |
| Credit loss provision to net charge-offs | 627.8646% | 1,073 |
| Earnings coverage of net charge-offs (x) | 122.3464% | 697 |
| Efficiency ratio | 64.8956% | 2,691 |
| Assets per employee ($millions) | 4.8395% | 3,562 |
| Cash dividends to net income (ytd only)* | 63.3720% | 1,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3220% | 2,306 |
| Loan loss allowance to noncurrent loans | 183.3175% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 1,110 |
| Noncurrent loans to loans | 0.7212% | 1,895 |
| Net loans and leases to total assets | 75.1963% | 881 |
| Net loans and leases to deposits | 85.7224% | 1,272 |
| Net loans and leases to core deposits | 89.7863% | 1,539 |
| Total domestic deposits to total assets | 87.7207% | 1,603 |
| Equity capital to assets | 9.2978% | 3,788 |
| Core capital (leverage) ratio | 8.5573% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1489% | 2,569 |
| Memoranda: | ||
| Average total assets | $1,900,091,800 | 500 |
| Average earning assets | $1,719,216,000 | 511 |
| Average equity | $189,343,200 | 529 |
| Average total loans | $1,429,009,200 | 468 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 1,223 |
| Cost of funding earning assets | 0.3605% | 4,001 |
| Net interest margin | 4.2721% | 626 |
| Noninterest income to average assets | 3.1580% | 172 |
| Noninterest expense to average assets | 4.5524% | 244 |
| Loan and lease loss provision to assets | 0.2181% | 1,841 |
| Net operating income to assets | 1.7725% | 482 |
| Return on assets (ROA) | 1.7725% | 537 |
| Pretax return on assets | 2.2381% | 315 |
| Return on Equity (ROE) | 17.4551% | 407 |
| Retained earnings to average equity (ytd only) | 8.5007% | 1,142 |
| Net charge-offs to loans | 0.0420% | 2,026 |
| Credit loss provision to net charge-offs | 693.5780% | 1,075 |
| Earnings coverage of net charge-offs (x) | 78.1170% | 937 |
| Efficiency ratio | 64.9174% | 2,608 |
| Assets per employee ($millions) | 4.7995% | 3,488 |
| Cash dividends to net income (ytd only)* | 51.2999% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,029 |
| Loan loss allowance to noncurrent loans | 166.7101% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 1,166 |
| Noncurrent loans to loans | 0.7989% | 1,823 |
| Net loans and leases to total assets | 77.4214% | 909 |
| Net loans and leases to deposits | 88.4144% | 1,439 |
| Net loans and leases to core deposits | 92.8153% | 1,726 |
| Total domestic deposits to total assets | 87.5665% | 1,411 |
| Equity capital to assets | 9.3777% | 3,789 |
| Core capital (leverage) ratio | 8.8712% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3802% | 2,464 |
| Memoranda: | ||
| Average total assets | $1,848,820,500 | 502 |
| Average earning assets | $1,666,405,250 | 514 |
| Average equity | $187,745,250 | 528 |
| Average total loans | $1,385,205,750 | 479 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 1,295 |
| Cost of funding earning assets | 0.3873% | 4,094 |
| Net interest margin | 4.3563% | 670 |
| Noninterest income to average assets | 2.5913% | 212 |
| Noninterest expense to average assets | 4.5289% | 248 |
| Loan and lease loss provision to assets | 0.2782% | 1,540 |
| Net operating income to assets | 1.4395% | 1,038 |
| Return on assets (ROA) | 1.4395% | 1,125 |
| Pretax return on assets | 1.6962% | 1,008 |
| Return on Equity (ROE) | 13.7624% | 927 |
| Retained earnings to average equity (ytd only) | 8.5803% | 1,137 |
| Net charge-offs to loans | 0.1381% | 1,023 |
| Credit loss provision to net charge-offs | 273.9711% | 1,687 |
| Earnings coverage of net charge-offs (x) | 19.4449% | 1,719 |
| Efficiency ratio | 69.5983% | 2,008 |
| Assets per employee ($millions) | 4.6793% | 3,555 |
| Cash dividends to net income (ytd only)* | 37.6540% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 1,932 |
| Loan loss allowance to noncurrent loans | 133.0575% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 1.1382% | 983 |
| Noncurrent loans to loans | 0.9875% | 1,573 |
| Net loans and leases to total assets | 77.7976% | 872 |
| Net loans and leases to deposits | 88.9256% | 1,456 |
| Net loans and leases to core deposits | 93.3998% | 1,797 |
| Total domestic deposits to total assets | 87.4861% | 1,423 |
| Equity capital to assets | 9.5506% | 3,611 |
| Core capital (leverage) ratio | 9.2906% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4350% | 2,427 |
| Memoranda: | ||
| Average total assets | $1,770,771,333 | 520 |
| Average earning assets | $1,590,158,333 | 528 |
| Average equity | $185,215,333 | 536 |
| Average total loans | $1,302,130,333 | 496 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 1,171 |
| Cost of funding earning assets | 0.4330% | 4,224 |
| Net interest margin | 4.4763% | 536 |
| Noninterest income to average assets | 1.5190% | 385 |
| Noninterest expense to average assets | 4.3875% | 336 |
| Loan and lease loss provision to assets | 0.4992% | 588 |
| Net operating income to assets | 0.5637% | 3,699 |
| Return on assets (ROA) | 0.5637% | 3,767 |
| Pretax return on assets | 0.6328% | 3,856 |
| Return on Equity (ROE) | 5.1200% | 3,589 |
| Retained earnings to average equity (ytd only) | -1.5764% | 4,207 |
| Net charge-offs to loans | 0.0450% | 1,574 |
| Credit loss provision to net charge-offs | 1,576.3359% | 409 |
| Earnings coverage of net charge-offs (x) | 35.7481% | 1,076 |
| Efficiency ratio | 79.4386% | 1,197 |
| Assets per employee ($millions) | 4.0235% | 3,888 |
| Cash dividends to net income (ytd only)* | 130.7890% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 751 |
| Loan loss allowance to noncurrent loans | 140.0756% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 1.3279% | 870 |
| Noncurrent loans to loans | 1.2647% | 1,292 |
| Net loans and leases to total assets | 69.7816% | 2,282 |
| Net loans and leases to deposits | 82.9497% | 2,337 |
| Net loans and leases to core deposits | 87.8732% | 2,531 |
| Total domestic deposits to total assets | 84.1251% | 2,750 |
| Equity capital to assets | 10.8090% | 3,045 |
| Core capital (leverage) ratio | 10.2834% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6674% | 2,856 |
| Memoranda: | ||
| Average total assets | $1,654,793,000 | 532 |
| Average earning assets | $1,478,911,500 | 536 |
| Average equity | $182,187,000 | 541 |
| Average total loans | $1,163,786,000 | 525 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2672% | 881 |
| Cost of funding earning assets | 0.3917% | 4,467 |
| Net interest margin | 4.8755% | 346 |
| Noninterest income to average assets | 2.1407% | 234 |
| Noninterest expense to average assets | 4.8455% | 243 |
| Loan and lease loss provision to assets | -0.0820% | 5,055 |
| Net operating income to assets | 1.3337% | 1,566 |
| Return on assets (ROA) | 1.3348% | 1,643 |
| Pretax return on assets | 1.7262% | 1,120 |
| Return on Equity (ROE) | 11.2951% | 1,776 |
| Retained earnings to average equity (ytd only) | -0.3697% | 4,751 |
| Net charge-offs to loans | -0.0686% | 4,884 |
| Credit loss provision to net charge-offs | 170.9677% | 1,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6228% | 1,535 |
| Assets per employee ($millions) | 3.7861% | 4,164 |
| Cash dividends to net income (ytd only)* | 103.2730% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 821 |
| Loan loss allowance to noncurrent loans | 124.9088% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 770 |
| Noncurrent loans to loans | 1.3522% | 1,101 |
| Net loans and leases to total assets | 68.4208% | 2,621 |
| Net loans and leases to deposits | 80.0073% | 2,777 |
| Net loans and leases to core deposits | 84.4728% | 2,910 |
| Total domestic deposits to total assets | 85.5181% | 2,278 |
| Equity capital to assets | 11.2160% | 2,801 |
| Core capital (leverage) ratio | 10.3708% | 3,104 |
| Tier 1 risk-based capital ratio | 11.9942% | 4,369 |
| Total risk-based capital ratio | 13.2462% | 4,243 |
| Memoranda: | ||
| Average total assets | $1,551,874,600 | 537 |
| Average earning assets | $1,383,825,200 | 548 |
| Average equity | $183,398,400 | 509 |
| Average total loans | $1,085,199,600 | 534 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2843% | 894 |
| Cost of funding earning assets | 0.3742% | 4,582 |
| Net interest margin | 4.9101% | 337 |
| Noninterest income to average assets | 2.1406% | 238 |
| Noninterest expense to average assets | 4.7799% | 248 |
| Loan and lease loss provision to assets | -0.0983% | 5,160 |
| Net operating income to assets | 1.4475% | 1,335 |
| Return on assets (ROA) | 1.4491% | 1,388 |
| Pretax return on assets | 1.8304% | 1,014 |
| Return on Equity (ROE) | 12.0976% | 1,585 |
| Retained earnings to average equity (ytd only) | 2.2467% | 4,187 |
| Net charge-offs to loans | -0.0799% | 4,949 |
| Credit loss provision to net charge-offs | 175.5832% | 1,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3639% | 1,655 |
| Assets per employee ($millions) | 3.7471% | 4,220 |
| Cash dividends to net income (ytd only)* | 81.4283% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 825 |
| Loan loss allowance to noncurrent loans | 110.2110% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.5267% | 717 |
| Noncurrent loans to loans | 1.5405% | 972 |
| Net loans and leases to total assets | 69.4004% | 2,567 |
| Net loans and leases to deposits | 81.3886% | 2,756 |
| Net loans and leases to core deposits | 85.4872% | 2,953 |
| Total domestic deposits to total assets | 85.2705% | 2,312 |
| Equity capital to assets | 11.6448% | 2,566 |
| Core capital (leverage) ratio | 10.9920% | 2,647 |
| Tier 1 risk-based capital ratio | 12.5890% | 4,093 |
| Total risk-based capital ratio | 13.8415% | 3,963 |
| Memoranda: | ||
| Average total assets | $1,531,893,000 | 546 |
| Average earning assets | $1,363,227,750 | 557 |
| Average equity | $183,492,250 | 509 |
| Average total loans | $1,072,581,500 | 540 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2913% | 828 |
| Cost of funding earning assets | 0.3491% | 4,680 |
| Net interest margin | 4.9422% | 329 |
| Noninterest income to average assets | 1.9684% | 273 |
| Noninterest expense to average assets | 4.7770% | 249 |
| Loan and lease loss provision to assets | 0.1269% | 1,469 |
| Net operating income to assets | 1.1665% | 2,272 |
| Return on assets (ROA) | 1.1689% | 2,339 |
| Pretax return on assets | 1.4781% | 1,924 |
| Return on Equity (ROE) | 9.6632% | 2,551 |
| Retained earnings to average equity (ytd only) | -0.1897% | 4,712 |
| Net charge-offs to loans | 0.0097% | 2,786 |
| Credit loss provision to net charge-offs | 1,876.4706% | 202 |
| Earnings coverage of net charge-offs (x) | 236.8235% | 342 |
| Efficiency ratio | 74.8248% | 1,537 |
| Assets per employee ($millions) | 3.5640% | 4,426 |
| Cash dividends to net income (ytd only)* | 101.9630% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 570 |
| Loan loss allowance to noncurrent loans | 114.0210% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 1.6355% | 655 |
| Noncurrent loans to loans | 1.6580% | 926 |
| Net loans and leases to total assets | 69.6469% | 2,580 |
| Net loans and leases to deposits | 81.9346% | 2,740 |
| Net loans and leases to core deposits | 85.0303% | 3,027 |
| Total domestic deposits to total assets | 85.0030% | 2,482 |
| Equity capital to assets | 11.9416% | 2,234 |
| Core capital (leverage) ratio | 11.1627% | 2,446 |
| Tier 1 risk-based capital ratio | 12.6776% | 4,029 |
| Total risk-based capital ratio | 13.9319% | 3,925 |
| Memoranda: | ||
| Average total assets | $1,507,932,670 | 553 |
| Average earning assets | $1,345,709,330 | 561 |
| Average equity | $182,404,000 | 510 |
| Average total loans | $1,052,692,330 | 546 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2615% | 813 |
| Cost of funding earning assets | 0.3155% | 4,795 |
| Net interest margin | 4.9459% | 310 |
| Noninterest income to average assets | 1.6915% | 315 |
| Noninterest expense to average assets | 4.4893% | 293 |
| Loan and lease loss provision to assets | 0.1877% | 875 |
| Net operating income to assets | 1.1310% | 2,348 |
| Return on assets (ROA) | 1.1358% | 2,376 |
| Pretax return on assets | 1.4443% | 1,940 |
| Return on Equity (ROE) | 9.3287% | 2,661 |
| Retained earnings to average equity (ytd only) | -1.1040% | 4,663 |
| Net charge-offs to loans | 0.0232% | 1,980 |
| Credit loss provision to net charge-offs | 1,168.3333% | 329 |
| Earnings coverage of net charge-offs (x) | 101.2000% | 661 |
| Efficiency ratio | 73.3471% | 1,836 |
| Assets per employee ($millions) | 3.5017% | 4,559 |
| Cash dividends to net income (ytd only)* | 111.8340% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 538 |
| Loan loss allowance to noncurrent loans | 104.2734% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7680% | 599 |
| Noncurrent loans to loans | 1.8875% | 806 |
| Net loans and leases to total assets | 67.4746% | 2,829 |
| Net loans and leases to deposits | 81.2379% | 2,698 |
| Net loans and leases to core deposits | 84.0946% | 3,020 |
| Total domestic deposits to total assets | 83.0580% | 3,364 |
| Equity capital to assets | 12.1268% | 1,946 |
| Core capital (leverage) ratio | 11.4359% | 2,183 |
| Tier 1 risk-based capital ratio | 12.9000% | 3,925 |
| Total risk-based capital ratio | 14.1545% | 3,822 |
| Memoranda: | ||
| Average total assets | $1,493,859,500 | 557 |
| Average earning assets | $1,336,128,500 | 563 |
| Average equity | $181,890,000 | 506 |
| Average total loans | $1,033,815,500 | 560 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 1,024 |
| Cost of funding earning assets | 0.2010% | 4,997 |
| Net interest margin | 4.8095% | 390 |
| Noninterest income to average assets | 1.9532% | 279 |
| Noninterest expense to average assets | 4.4988% | 299 |
| Loan and lease loss provision to assets | -0.0342% | 5,159 |
| Net operating income to assets | 1.4000% | 1,434 |
| Return on assets (ROA) | 1.4000% | 1,424 |
| Pretax return on assets | 1.8026% | 908 |
| Return on Equity (ROE) | 11.5447% | 1,884 |
| Retained earnings to average equity (ytd only) | 2.4580% | 4,158 |
| Net charge-offs to loans | 0.1392% | 1,366 |
| Credit loss provision to net charge-offs | -35.3675% | 4,310 |
| Earnings coverage of net charge-offs (x) | 18.3003% | 2,141 |
| Efficiency ratio | 71.7069% | 1,945 |
| Assets per employee ($millions) | 3.4546% | 4,603 |
| Cash dividends to net income (ytd only)* | 78.7085% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9067% | 565 |
| Loan loss allowance to noncurrent loans | 129.5792% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5599% | 735 |
| Noncurrent loans to loans | 1.4715% | 1,044 |
| Net loans and leases to total assets | 68.2569% | 2,846 |
| Net loans and leases to deposits | 81.3852% | 2,803 |
| Net loans and leases to core deposits | 83.9425% | 3,099 |
| Total domestic deposits to total assets | 83.8690% | 3,041 |
| Equity capital to assets | 12.2255% | 1,746 |
| Core capital (leverage) ratio | 11.1004% | 2,436 |
| Tier 1 risk-based capital ratio | 12.7986% | 3,967 |
| Total risk-based capital ratio | 14.0523% | 3,843 |
| Memoranda: | ||
| Average total assets | $1,492,206,200 | 545 |
| Average earning assets | $1,338,506,200 | 549 |
| Average equity | $180,957,400 | 485 |
| Average total loans | $1,035,603,200 | 543 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 1,167 |
| Cost of funding earning assets | 0.1648% | 5,168 |
| Net interest margin | 4.7316% | 436 |
| Noninterest income to average assets | 1.9576% | 286 |
| Noninterest expense to average assets | 4.4465% | 305 |
| Loan and lease loss provision to assets | -0.0272% | 5,256 |
| Net operating income to assets | 1.4412% | 1,356 |
| Return on assets (ROA) | 1.4412% | 1,357 |
| Pretax return on assets | 1.7799% | 1,059 |
| Return on Equity (ROE) | 11.9086% | 1,821 |
| Retained earnings to average equity (ytd only) | 3.8319% | 3,864 |
| Net charge-offs to loans | 0.1288% | 1,235 |
| Credit loss provision to net charge-offs | -30.4695% | 4,134 |
| Earnings coverage of net charge-offs (x) | 19.6184% | 1,996 |
| Efficiency ratio | 71.6505% | 1,946 |
| Assets per employee ($millions) | 3.5441% | 4,504 |
| Cash dividends to net income (ytd only)* | 67.8226% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9357% | 551 |
| Loan loss allowance to noncurrent loans | 120.5865% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 1.7149% | 707 |
| Noncurrent loans to loans | 1.6053% | 984 |
| Net loans and leases to total assets | 69.1123% | 2,785 |
| Net loans and leases to deposits | 82.1801% | 2,797 |
| Net loans and leases to core deposits | 84.3879% | 3,127 |
| Total domestic deposits to total assets | 84.0986% | 2,907 |
| Equity capital to assets | 12.1847% | 1,779 |
| Core capital (leverage) ratio | 11.4547% | 2,212 |
| Tier 1 risk-based capital ratio | 12.9996% | 3,907 |
| Total risk-based capital ratio | 14.2539% | 3,813 |
| Memoranda: | ||
| Average total assets | $1,493,888,000 | 541 |
| Average earning assets | $1,339,153,000 | 547 |
| Average equity | $180,795,000 | 484 |
| Average total loans | $1,036,091,250 | 542 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7539% | 1,372 |
| Cost of funding earning assets | 0.1447% | 5,266 |
| Net interest margin | 4.6091% | 539 |
| Noninterest income to average assets | 1.8840% | 297 |
| Noninterest expense to average assets | 4.3022% | 361 |
| Loan and lease loss provision to assets | -0.0400% | 5,364 |
| Net operating income to assets | 1.4260% | 1,349 |
| Return on assets (ROA) | 1.4260% | 1,350 |
| Pretax return on assets | 1.7638% | 1,058 |
| Return on Equity (ROE) | 11.8099% | 1,799 |
| Retained earnings to average equity (ytd only) | 6.5433% | 2,289 |
| Net charge-offs to loans | 0.2043% | 781 |
| Credit loss provision to net charge-offs | -28.3951% | 3,972 |
| Earnings coverage of net charge-offs (x) | 12.2327% | 2,217 |
| Efficiency ratio | 71.3163% | 2,113 |
| Assets per employee ($millions) | 3.4837% | 4,615 |
| Cash dividends to net income (ytd only)* | 44.5946% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 567 |
| Loan loss allowance to noncurrent loans | 122.0860% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.7534% | 683 |
| Noncurrent loans to loans | 1.5956% | 1,018 |
| Net loans and leases to total assets | 70.0318% | 2,575 |
| Net loans and leases to deposits | 83.6286% | 2,579 |
| Net loans and leases to core deposits | 85.6396% | 2,955 |
| Total domestic deposits to total assets | 83.7414% | 3,155 |
| Equity capital to assets | 12.5156% | 1,525 |
| Core capital (leverage) ratio | 11.6294% | 1,961 |
| Tier 1 risk-based capital ratio | 13.1271% | 3,833 |
| Total risk-based capital ratio | 14.3815% | 3,745 |
| Memoranda: | ||
| Average total assets | $1,494,501,000 | 541 |
| Average earning assets | $1,343,033,670 | 545 |
| Average equity | $180,459,330 | 484 |
| Average total loans | $1,030,940,000 | 541 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 1,714 |
| Cost of funding earning assets | 0.1311% | 5,352 |
| Net interest margin | 4.4197% | 734 |
| Noninterest income to average assets | 1.7324% | 331 |
| Noninterest expense to average assets | 4.2579% | 373 |
| Loan and lease loss provision to assets | 0.0024% | 3,489 |
| Net operating income to assets | 1.1789% | 2,100 |
| Return on assets (ROA) | 1.1789% | 2,109 |
| Pretax return on assets | 1.4673% | 1,776 |
| Return on Equity (ROE) | 9.9383% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.2781% | 1,370 |
| Net charge-offs to loans | 0.3949% | 394 |
| Credit loss provision to net charge-offs | 0.8893% | 2,200 |
| Earnings coverage of net charge-offs (x) | 5.4891% | 2,235 |
| Efficiency ratio | 74.2575% | 1,865 |
| Assets per employee ($millions) | 3.5964% | 4,540 |
| Cash dividends to net income (ytd only)* | 6.6427% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0087% | 536 |
| Loan loss allowance to noncurrent loans | 108.8466% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.8357% | 658 |
| Noncurrent loans to loans | 1.8455% | 896 |
| Net loans and leases to total assets | 66.5584% | 2,960 |
| Net loans and leases to deposits | 79.0579% | 2,910 |
| Net loans and leases to core deposits | 80.9137% | 3,250 |
| Total domestic deposits to total assets | 84.1893% | 3,246 |
| Equity capital to assets | 11.9567% | 1,819 |
| Core capital (leverage) ratio | 11.3205% | 2,146 |
| Tier 1 risk-based capital ratio | 13.0805% | 3,909 |
| Total risk-based capital ratio | 14.3354% | 3,814 |
| Memoranda: | ||
| Average total assets | $1,511,924,000 | 539 |
| Average earning assets | $1,366,689,500 | 542 |
| Average equity | $179,347,000 | 489 |
| Average total loans | $1,025,144,000 | 548 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 1,368 |
| Cost of funding earning assets | 0.1445% | 5,291 |
| Net interest margin | 4.4770% | 648 |
| Noninterest income to average assets | 2.4137% | 228 |
| Noninterest expense to average assets | 4.5121% | 312 |
| Loan and lease loss provision to assets | 0.2144% | 923 |
| Net operating income to assets | 0.9534% | 2,431 |
| Return on assets (ROA) | 0.9322% | 2,569 |
| Pretax return on assets | 1.7021% | 1,002 |
| Return on Equity (ROE) | 7.6851% | 2,959 |
| Retained earnings to average equity (ytd only) | -3.5709% | 5,376 |
| Net charge-offs to loans | 0.1382% | 1,685 |
| Credit loss provision to net charge-offs | 224.9477% | 1,225 |
| Earnings coverage of net charge-offs (x) | 20.3275% | 1,971 |
| Efficiency ratio | 69.8561% | 2,580 |
| Assets per employee ($millions) | 3.5192% | 4,670 |
| Cash dividends to net income (ytd only)* | 146.4657% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1197% | 432 |
| Loan loss allowance to noncurrent loans | 99.0081% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 2.0221% | 552 |
| Noncurrent loans to loans | 2.1410% | 695 |
| Net loans and leases to total assets | 66.2501% | 3,065 |
| Net loans and leases to deposits | 78.5535% | 3,059 |
| Net loans and leases to core deposits | 80.5296% | 3,380 |
| Total domestic deposits to total assets | 84.3375% | 3,086 |
| Equity capital to assets | 11.7674% | 1,992 |
| Core capital (leverage) ratio | 10.8634% | 2,465 |
| Tier 1 risk-based capital ratio | 12.7422% | 4,067 |
| Total risk-based capital ratio | 13.9980% | 3,959 |
| Memoranda: | ||
| Average total assets | $1,505,526,400 | 516 |
| Average earning assets | $1,357,202,400 | 521 |
| Average equity | $182,614,000 | 468 |
| Average total loans | $1,038,274,800 | 523 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6018% | 1,366 |
| Cost of funding earning assets | 0.1479% | 5,323 |
| Net interest margin | 4.4539% | 661 |
| Noninterest income to average assets | 2.6394% | 215 |
| Noninterest expense to average assets | 4.4849% | 319 |
| Loan and lease loss provision to assets | 0.2862% | 564 |
| Net operating income to assets | 1.2457% | 1,527 |
| Return on assets (ROA) | 1.2174% | 1,650 |
| Pretax return on assets | 1.8565% | 771 |
| Return on Equity (ROE) | 9.9621% | 2,152 |
| Retained earnings to average equity (ytd only) | -1.0363% | 5,356 |
| Net charge-offs to loans | 0.1833% | 1,154 |
| Credit loss provision to net charge-offs | 225.3315% | 1,234 |
| Earnings coverage of net charge-offs (x) | 17.0921% | 2,125 |
| Efficiency ratio | 67.2810% | 3,003 |
| Assets per employee ($millions) | 3.5745% | 4,617 |
| Cash dividends to net income (ytd only)* | 110.4026% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0407% | 534 |
| Loan loss allowance to noncurrent loans | 88.3127% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.8499% | 730 |
| Noncurrent loans to loans | 2.3108% | 689 |
| Net loans and leases to total assets | 68.6164% | 2,758 |
| Net loans and leases to deposits | 81.7176% | 2,809 |
| Net loans and leases to core deposits | 83.8436% | 3,136 |
| Total domestic deposits to total assets | 83.9678% | 3,137 |
| Equity capital to assets | 12.0895% | 1,908 |
| Core capital (leverage) ratio | 11.1412% | 2,333 |
| Tier 1 risk-based capital ratio | 12.9792% | 4,025 |
| Total risk-based capital ratio | 14.2348% | 3,927 |
| Memoranda: | ||
| Average total assets | $1,504,468,750 | 520 |
| Average earning assets | $1,356,588,250 | 521 |
| Average equity | $183,852,750 | 468 |
| Average total loans | $1,042,374,500 | 519 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5420% | 1,409 |
| Cost of funding earning assets | 0.1488% | 5,345 |
| Net interest margin | 4.3932% | 713 |
| Noninterest income to average assets | 2.2358% | 267 |
| Noninterest expense to average assets | 4.4836% | 327 |
| Loan and lease loss provision to assets | 0.0964% | 2,073 |
| Net operating income to assets | 1.0884% | 2,035 |
| Return on assets (ROA) | 1.0565% | 2,218 |
| Pretax return on assets | 1.5741% | 1,422 |
| Return on Equity (ROE) | 8.6145% | 2,712 |
| Retained earnings to average equity (ytd only) | -3.1924% | 5,446 |
| Net charge-offs to loans | 0.0649% | 2,008 |
| Credit loss provision to net charge-offs | 215.1786% | 1,206 |
| Earnings coverage of net charge-offs (x) | 38.0060% | 1,288 |
| Efficiency ratio | 72.3726% | 2,281 |
| Assets per employee ($millions) | 3.3395% | 4,936 |
| Cash dividends to net income (ytd only)* | 137.0585% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9017% | 718 |
| Loan loss allowance to noncurrent loans | 86.6821% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 1.8670% | 718 |
| Noncurrent loans to loans | 2.1939% | 736 |
| Net loans and leases to total assets | 70.4683% | 2,452 |
| Net loans and leases to deposits | 83.4011% | 2,554 |
| Net loans and leases to core deposits | 86.4363% | 2,836 |
| Total domestic deposits to total assets | 84.4932% | 3,012 |
| Equity capital to assets | 12.2537% | 1,757 |
| Core capital (leverage) ratio | 11.1697% | 2,253 |
| Tier 1 risk-based capital ratio | 13.0334% | 3,976 |
| Total risk-based capital ratio | 14.2879% | 3,892 |
| Memoranda: | ||
| Average total assets | $1,500,767,000 | 522 |
| Average earning assets | $1,349,221,330 | 521 |
| Average equity | $184,062,000 | 469 |
| Average total loans | $1,035,967,000 | 520 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4474% | 1,507 |
| Cost of funding earning assets | 0.1467% | 5,399 |
| Net interest margin | 4.3006% | 784 |
| Noninterest income to average assets | 2.0880% | 297 |
| Noninterest expense to average assets | 4.1818% | 435 |
| Loan and lease loss provision to assets | 0.1092% | 1,754 |
| Net operating income to assets | 1.1039% | 1,852 |
| Return on assets (ROA) | 1.0807% | 1,987 |
| Pretax return on assets | 1.6344% | 1,157 |
| Return on Equity (ROE) | 8.8076% | 2,508 |
| Retained earnings to average equity (ytd only) | 3.4095% | 3,735 |
| Net charge-offs to loans | 0.0799% | 1,535 |
| Credit loss provision to net charge-offs | 201.9608% | 1,010 |
| Earnings coverage of net charge-offs (x) | 32.6667% | 1,167 |
| Efficiency ratio | 70.1978% | 2,853 |
| Assets per employee ($millions) | 3.3032% | 5,040 |
| Cash dividends to net income (ytd only)* | 61.2895% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 670 |
| Loan loss allowance to noncurrent loans | 142.3729% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.3242% | 1,281 |
| Noncurrent loans to loans | 1.4051% | 1,442 |
| Net loans and leases to total assets | 65.4336% | 3,058 |
| Net loans and leases to deposits | 78.1418% | 2,949 |
| Net loans and leases to core deposits | 81.2774% | 3,165 |
| Total domestic deposits to total assets | 83.7370% | 3,575 |
| Equity capital to assets | 12.3880% | 1,607 |
| Core capital (leverage) ratio | 11.6130% | 1,871 |
| Tier 1 risk-based capital ratio | 13.6078% | 3,716 |
| Total risk-based capital ratio | 14.8624% | 3,623 |
| Memoranda: | ||
| Average total assets | $1,509,792,000 | 522 |
| Average earning assets | $1,354,868,000 | 519 |
| Average equity | $185,249,000 | 461 |
| Average total loans | $1,021,400,500 | 528 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5059% | 1,522 |
| Cost of funding earning assets | 0.1521% | 5,413 |
| Net interest margin | 4.3538% | 845 |
| Noninterest income to average assets | 2.6514% | 239 |
| Noninterest expense to average assets | 4.8627% | 279 |
| Loan and lease loss provision to assets | 0.1517% | 1,650 |
| Net operating income to assets | 1.0624% | 2,079 |
| Return on assets (ROA) | 1.0235% | 2,348 |
| Pretax return on assets | 1.5149% | 1,540 |
| Return on Equity (ROE) | 8.4690% | 2,692 |
| Retained earnings to average equity (ytd only) | 2.9828% | 3,776 |
| Net charge-offs to loans | 0.0720% | 2,670 |
| Credit loss provision to net charge-offs | 303.4483% | 975 |
| Earnings coverage of net charge-offs (x) | 34.1194% | 1,324 |
| Efficiency ratio | 73.8949% | 2,301 |
| Assets per employee ($millions) | 3.3628% | 4,951 |
| Cash dividends to net income (ytd only)* | 64.7794% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 786 |
| Loan loss allowance to noncurrent loans | 138.4626% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3796% | 1,245 |
| Noncurrent loans to loans | 1.3807% | 1,484 |
| Net loans and leases to total assets | 67.2162% | 2,899 |
| Net loans and leases to deposits | 79.6901% | 2,919 |
| Net loans and leases to core deposits | 82.6401% | 3,159 |
| Total domestic deposits to total assets | 84.3469% | 3,293 |
| Equity capital to assets | 12.1527% | 1,704 |
| Core capital (leverage) ratio | 11.2794% | 2,100 |
| Tier 1 risk-based capital ratio | 13.1008% | 3,998 |
| Total risk-based capital ratio | 14.3549% | 3,916 |
| Memoranda: | ||
| Average total assets | $1,508,201,200 | 507 |
| Average earning assets | $1,356,874,800 | 508 |
| Average equity | $182,276,800 | 458 |
| Average total loans | $1,047,215,200 | 487 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 1,472 |
| Cost of funding earning assets | 0.1540% | 5,459 |
| Net interest margin | 4.3684% | 820 |
| Noninterest income to average assets | 2.6747% | 239 |
| Noninterest expense to average assets | 4.9102% | 283 |
| Loan and lease loss provision to assets | 0.1361% | 1,728 |
| Net operating income to assets | 1.0671% | 2,131 |
| Return on assets (ROA) | 1.0245% | 2,449 |
| Pretax return on assets | 1.5169% | 1,661 |
| Return on Equity (ROE) | 8.4890% | 2,767 |
| Retained earnings to average equity (ytd only) | 2.9876% | 4,124 |
| Net charge-offs to loans | 0.0291% | 3,079 |
| Credit loss provision to net charge-offs | 671.1790% | 579 |
| Earnings coverage of net charge-offs (x) | 83.6538% | 750 |
| Efficiency ratio | 74.1862% | 2,253 |
| Assets per employee ($millions) | 3.4484% | 4,841 |
| Cash dividends to net income (ytd only)* | 64.8060% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 1,008 |
| Loan loss allowance to noncurrent loans | 180.4502% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 2,322 |
| Noncurrent loans to loans | 0.9994% | 2,244 |
| Net loans and leases to total assets | 69.8558% | 2,504 |
| Net loans and leases to deposits | 82.9229% | 2,614 |
| Net loans and leases to core deposits | 85.6051% | 2,980 |
| Total domestic deposits to total assets | 84.2419% | 3,126 |
| Equity capital to assets | 12.0131% | 2,108 |
| Core capital (leverage) ratio | 11.1581% | 2,305 |
| Tier 1 risk-based capital ratio | 12.8492% | 4,253 |
| Total risk-based capital ratio | 14.1029% | 4,161 |
| Memoranda: | ||
| Average total assets | $1,506,099,750 | 510 |
| Average earning assets | $1,355,438,000 | 512 |
| Average equity | $181,768,750 | 462 |
| Average total loans | $1,049,200,750 | 486 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 1,435 |
| Cost of funding earning assets | 0.1549% | 5,512 |
| Net interest margin | 4.3733% | 808 |
| Noninterest income to average assets | 2.5424% | 251 |
| Noninterest expense to average assets | 4.6574% | 334 |
| Loan and lease loss provision to assets | 0.1182% | 1,931 |
| Net operating income to assets | 1.1447% | 1,793 |
| Return on assets (ROA) | 1.1055% | 2,064 |
| Pretax return on assets | 1.6671% | 1,176 |
| Return on Equity (ROE) | 9.1456% | 2,433 |
| Retained earnings to average equity (ytd only) | 3.6222% | 3,588 |
| Net charge-offs to loans | 0.1296% | 1,555 |
| Credit loss provision to net charge-offs | 131.8927% | 1,754 |
| Earnings coverage of net charge-offs (x) | 20.3681% | 1,728 |
| Efficiency ratio | 71.7031% | 2,715 |
| Assets per employee ($millions) | 3.4540% | 4,829 |
| Cash dividends to net income (ytd only)* | 60.3938% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 1,107 |
| Loan loss allowance to noncurrent loans | 165.1353% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9136% | 2,330 |
| Noncurrent loans to loans | 1.0785% | 2,134 |
| Net loans and leases to total assets | 67.7689% | 2,809 |
| Net loans and leases to deposits | 80.7924% | 2,844 |
| Net loans and leases to core deposits | 83.5839% | 3,118 |
| Total domestic deposits to total assets | 83.8804% | 3,315 |
| Equity capital to assets | 12.1445% | 2,021 |
| Core capital (leverage) ratio | 10.9183% | 2,517 |
| Tier 1 risk-based capital ratio | 12.5021% | 4,519 |
| Total risk-based capital ratio | 13.7552% | 4,427 |
| Memoranda: | ||
| Average total assets | $1,497,772,670 | 509 |
| Average earning assets | $1,349,360,000 | 514 |
| Average equity | $181,048,330 | 461 |
| Average total loans | $1,035,870,670 | 491 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5513% | 1,374 |
| Cost of funding earning assets | 0.1562% | 5,565 |
| Net interest margin | 4.3951% | 747 |
| Noninterest income to average assets | 2.2717% | 289 |
| Noninterest expense to average assets | 4.5026% | 394 |
| Loan and lease loss provision to assets | 0.1853% | 1,072 |
| Net operating income to assets | 1.0165% | 2,205 |
| Return on assets (ROA) | 0.9778% | 2,492 |
| Pretax return on assets | 1.5110% | 1,548 |
| Return on Equity (ROE) | 8.1082% | 2,851 |
| Retained earnings to average equity (ytd only) | 2.5501% | 4,227 |
| Net charge-offs to loans | 0.2606% | 800 |
| Credit loss provision to net charge-offs | 102.6746% | 1,589 |
| Earnings coverage of net charge-offs (x) | 9.6270% | 1,976 |
| Efficiency ratio | 72.0105% | 2,801 |
| Assets per employee ($millions) | 3.4365% | 4,906 |
| Cash dividends to net income (ytd only)* | 68.5495% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7969% | 1,156 |
| Loan loss allowance to noncurrent loans | 565.8958% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.3986% | 3,998 |
| Noncurrent loans to loans | 0.3175% | 4,295 |
| Net loans and leases to total assets | 67.2477% | 2,773 |
| Net loans and leases to deposits | 79.8292% | 2,816 |
| Net loans and leases to core deposits | 82.5284% | 3,083 |
| Total domestic deposits to total assets | 84.2394% | 3,430 |
| Equity capital to assets | 12.1313% | 1,937 |
| Core capital (leverage) ratio | 10.7741% | 2,646 |
| Tier 1 risk-based capital ratio | 12.3923% | 4,659 |
| Total risk-based capital ratio | 13.6453% | 4,556 |
| Memoranda: | ||
| Average total assets | $1,491,949,500 | 512 |
| Average earning assets | $1,346,966,500 | 513 |
| Average equity | $179,916,500 | 462 |
| Average total loans | $1,033,073,500 | 488 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6942% | 1,124 |
| Cost of funding earning assets | 0.1843% | 5,409 |
| Net interest margin | 4.5099% | 639 |
| Noninterest income to average assets | 2.7635% | 238 |
| Noninterest expense to average assets | 4.7206% | 353 |
| Loan and lease loss provision to assets | 0.1091% | 2,171 |
| Net operating income to assets | 1.3048% | 1,261 |
| Return on assets (ROA) | 1.2737% | 1,384 |
| Pretax return on assets | 1.9373% | 617 |
| Return on Equity (ROE) | 10.7961% | 1,685 |
| Retained earnings to average equity (ytd only) | 5.6455% | 1,987 |
| Net charge-offs to loans | 0.0283% | 3,656 |
| Credit loss provision to net charge-offs | 551.5358% | 600 |
| Earnings coverage of net charge-offs (x) | 104.8532% | 555 |
| Efficiency ratio | 69.2170% | 3,362 |
| Assets per employee ($millions) | 3.3843% | 5,010 |
| Cash dividends to net income (ytd only)* | 47.7074% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 1,231 |
| Loan loss allowance to noncurrent loans | 497.3956% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4515% | 3,803 |
| Noncurrent loans to loans | 0.3528% | 4,201 |
| Net loans and leases to total assets | 68.7792% | 2,577 |
| Net loans and leases to deposits | 82.0549% | 2,578 |
| Net loans and leases to core deposits | 84.8162% | 2,905 |
| Total domestic deposits to total assets | 83.8210% | 3,557 |
| Equity capital to assets | 11.9871% | 1,957 |
| Core capital (leverage) ratio | 10.1959% | 3,267 |
| Tier 1 risk-based capital ratio | 12.1500% | 4,858 |
| Total risk-based capital ratio | 13.4031% | 4,760 |
| Memoranda: | ||
| Average total assets | $1,481,111,800 | 484 |
| Average earning assets | $1,323,966,800 | 494 |
| Average equity | $174,739,800 | 459 |
| Average total loans | $1,036,752,600 | 464 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7018% | 1,099 |
| Cost of funding earning assets | 0.1907% | 5,454 |
| Net interest margin | 4.5111% | 636 |
| Noninterest income to average assets | 2.8646% | 224 |
| Noninterest expense to average assets | 4.7318% | 355 |
| Loan and lease loss provision to assets | 0.1157% | 1,950 |
| Net operating income to assets | 1.3465% | 1,233 |
| Return on assets (ROA) | 1.3077% | 1,370 |
| Pretax return on assets | 2.0043% | 599 |
| Return on Equity (ROE) | 11.1293% | 1,655 |
| Retained earnings to average equity (ytd only) | 6.1400% | 2,157 |
| Net charge-offs to loans | 0.0286% | 3,371 |
| Credit loss provision to net charge-offs | 577.9279% | 590 |
| Earnings coverage of net charge-offs (x) | 107.8163% | 582 |
| Efficiency ratio | 68.3853% | 3,471 |
| Assets per employee ($millions) | 3.5367% | 4,730 |
| Cash dividends to net income (ytd only)* | 44.8307% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7142% | 1,444 |
| Loan loss allowance to noncurrent loans | 483.8554% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 3,907 |
| Noncurrent loans to loans | 0.3543% | 4,342 |
| Net loans and leases to total assets | 67.5047% | 2,771 |
| Net loans and leases to deposits | 81.1143% | 2,754 |
| Net loans and leases to core deposits | 84.0523% | 3,032 |
| Total domestic deposits to total assets | 83.2217% | 3,729 |
| Equity capital to assets | 11.6108% | 2,412 |
| Core capital (leverage) ratio | 10.4718% | 3,070 |
| Tier 1 risk-based capital ratio | 11.9101% | 5,135 |
| Total risk-based capital ratio | 13.1632% | 5,054 |
| Memoranda: | ||
| Average total assets | $1,478,271,000 | 484 |
| Average earning assets | $1,319,286,000 | 494 |
| Average equity | $173,698,750 | 464 |
| Average total loans | $1,034,729,000 | 467 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6897% | 1,089 |
| Cost of funding earning assets | 0.1982% | 5,451 |
| Net interest margin | 4.4914% | 651 |
| Noninterest income to average assets | 2.7734% | 239 |
| Noninterest expense to average assets | 4.7730% | 344 |
| Loan and lease loss provision to assets | 0.0863% | 2,381 |
| Net operating income to assets | 1.2535% | 1,451 |
| Return on assets (ROA) | 1.2215% | 1,615 |
| Pretax return on assets | 1.8877% | 749 |
| Return on Equity (ROE) | 10.3524% | 1,915 |
| Retained earnings to average equity (ytd only) | 5.7064% | 2,408 |
| Net charge-offs to loans | -0.0045% | 4,711 |
| Credit loss provision to net charge-offs | -2,739.1304% | 5,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1162% | 3,305 |
| Assets per employee ($millions) | 3.4905% | 4,815 |
| Cash dividends to net income (ytd only)* | 44.8783% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 1,707 |
| Loan loss allowance to noncurrent loans | 350.4762% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5253% | 3,863 |
| Noncurrent loans to loans | 0.4742% | 4,053 |
| Net loans and leases to total assets | 69.9551% | 2,320 |
| Net loans and leases to deposits | 83.7988% | 2,336 |
| Net loans and leases to core deposits | 86.8971% | 2,663 |
| Total domestic deposits to total assets | 83.4798% | 3,765 |
| Equity capital to assets | 11.7128% | 2,236 |
| Core capital (leverage) ratio | 10.7910% | 2,623 |
| Tier 1 risk-based capital ratio | 11.6669% | 5,358 |
| Total risk-based capital ratio | 12.9208% | 5,271 |
| Memoranda: | ||
| Average total assets | $1,459,378,330 | 492 |
| Average earning assets | $1,301,497,670 | 499 |
| Average equity | $172,191,670 | 470 |
| Average total loans | $1,028,227,330 | 471 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1869% | 413 |
| Cost of funding earning assets | 0.2018% | 5,493 |
| Net interest margin | 4.9851% | 256 |
| Noninterest income to average assets | 2.1155% | 340 |
| Noninterest expense to average assets | 4.8590% | 330 |
| Loan and lease loss provision to assets | 0.0754% | 2,444 |
| Net operating income to assets | 1.0843% | 1,922 |
| Return on assets (ROA) | 1.0646% | 2,109 |
| Pretax return on assets | 1.6074% | 1,253 |
| Return on Equity (ROE) | 8.9884% | 2,453 |
| Retained earnings to average equity (ytd only) | 4.3045% | 3,431 |
| Net charge-offs to loans | 0.0281% | 2,615 |
| Credit loss provision to net charge-offs | 383.0986% | 685 |
| Earnings coverage of net charge-offs (x) | 86.4507% | 554 |
| Efficiency ratio | 73.7445% | 2,858 |
| Assets per employee ($millions) | 3.3846% | 5,106 |
| Cash dividends to net income (ytd only)* | 52.1105% | 1,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6581% | 1,860 |
| Loan loss allowance to noncurrent loans | 357.8378% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.6255% | 3,614 |
| Noncurrent loans to loans | 0.4634% | 4,191 |
| Net loans and leases to total assets | 70.7995% | 2,020 |
| Net loans and leases to deposits | 85.1580% | 1,933 |
| Net loans and leases to core deposits | 88.2469% | 2,302 |
| Total domestic deposits to total assets | 83.1390% | 4,139 |
| Equity capital to assets | 11.9296% | 2,077 |
| Core capital (leverage) ratio | 10.7583% | 2,677 |
| Tier 1 risk-based capital ratio | 11.7451% | 5,411 |
| Total risk-based capital ratio | 12.9966% | 5,313 |
| Memoranda: | ||
| Average total assets | $1,442,108,000 | 494 |
| Average earning assets | $1,286,164,500 | 507 |
| Average equity | $170,797,500 | 477 |
| Average total loans | $1,010,973,000 | 474 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8019% | 1,113 |
| Cost of funding earning assets | 0.1365% | 6,170 |
| Net interest margin | 4.6654% | 555 |
| Noninterest income to average assets | 1.3408% | 679 |
| Noninterest expense to average assets | 3.4538% | 1,590 |
| Loan and lease loss provision to assets | 0.0052% | 4,512 |
| Net operating income to assets | 1.4765% | 920 |
| Return on assets (ROA) | 1.4665% | 979 |
| Pretax return on assets | 2.0764% | 436 |
| Return on Equity (ROE) | 12.2758% | 1,330 |
| Retained earnings to average equity (ytd only) | 7.2407% | 1,302 |
| Net charge-offs to loans | -0.0432% | 5,883 |
| Credit loss provision to net charge-offs | -17.5258% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0015% | 4,917 |
| Assets per employee ($millions) | 3.3858% | 5,095 |
| Cash dividends to net income (ytd only)* | 41.0166% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7289% | 1,704 |
| Loan loss allowance to noncurrent loans | 363.9495% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6435% | 3,642 |
| Noncurrent loans to loans | 0.4750% | 4,231 |
| Net loans and leases to total assets | 67.0358% | 2,724 |
| Net loans and leases to deposits | 81.4978% | 2,539 |
| Net loans and leases to core deposits | 84.3065% | 2,862 |
| Total domestic deposits to total assets | 82.2547% | 4,326 |
| Equity capital to assets | 11.7576% | 2,203 |
| Core capital (leverage) ratio | 10.5059% | 2,940 |
| Tier 1 risk-based capital ratio | 12.2640% | 5,184 |
| Total risk-based capital ratio | 13.5150% | 5,096 |
| Memoranda: | ||
| Average total assets | $1,320,018,400 | 516 |
| Average earning assets | $1,186,754,800 | 519 |
| Average equity | $157,692,200 | 484 |
| Average total loans | $897,894,400 | 497 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7362% | 1,220 |
| Cost of funding earning assets | 0.1247% | 6,314 |
| Net interest margin | 4.6115% | 604 |
| Noninterest income to average assets | 1.0047% | 1,216 |
| Noninterest expense to average assets | 3.3667% | 1,749 |
| Loan and lease loss provision to assets | -0.0712% | 6,228 |
| Net operating income to assets | 1.2792% | 1,439 |
| Return on assets (ROA) | 1.2781% | 1,497 |
| Pretax return on assets | 1.8807% | 747 |
| Return on Equity (ROE) | 10.6514% | 1,927 |
| Retained earnings to average equity (ytd only) | 5.5325% | 2,722 |
| Net charge-offs to loans | -0.1310% | 6,206 |
| Credit loss provision to net charge-offs | 80.0232% | 2,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7859% | 4,415 |
| Assets per employee ($millions) | 4.5011% | 2,972 |
| Cash dividends to net income (ytd only)* | 48.0582% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 1,855 |
| Loan loss allowance to noncurrent loans | 605.8312% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 4,286 |
| Noncurrent loans to loans | 0.2871% | 5,052 |
| Net loans and leases to total assets | 66.8673% | 2,707 |
| Net loans and leases to deposits | 78.8662% | 2,852 |
| Net loans and leases to core deposits | 80.7271% | 3,224 |
| Total domestic deposits to total assets | 84.7858% | 3,426 |
| Equity capital to assets | 11.6740% | 2,341 |
| Core capital (leverage) ratio | 11.6289% | 1,958 |
| Tier 1 risk-based capital ratio | 13.3892% | 4,612 |
| Total risk-based capital ratio | 14.6409% | 4,548 |
| Memoranda: | ||
| Average total assets | $1,289,431,500 | 524 |
| Average earning assets | $1,162,574,500 | 529 |
| Average equity | $154,718,250 | 491 |
| Average total loans | $876,390,000 | 504 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 1,280 |
| Cost of funding earning assets | 0.1263% | 6,376 |
| Net interest margin | 4.5723% | 612 |
| Noninterest income to average assets | 0.8834% | 1,547 |
| Noninterest expense to average assets | 3.3131% | 1,887 |
| Loan and lease loss provision to assets | -0.1490% | 6,425 |
| Net operating income to assets | 1.2707% | 1,390 |
| Return on assets (ROA) | 1.2978% | 1,362 |
| Pretax return on assets | 1.9004% | 684 |
| Return on Equity (ROE) | 10.7064% | 1,842 |
| Retained earnings to average equity (ytd only) | 5.5508% | 2,609 |
| Net charge-offs to loans | -0.1533% | 6,272 |
| Credit loss provision to net charge-offs | 143.0769% | 1,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6347% | 4,413 |
| Assets per employee ($millions) | 4.3168% | 3,238 |
| Cash dividends to net income (ytd only)* | 48.1541% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 2,139 |
| Loan loss allowance to noncurrent loans | 528.4091% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 4,203 |
| Noncurrent loans to loans | 0.3213% | 5,045 |
| Net loans and leases to total assets | 69.9674% | 2,092 |
| Net loans and leases to deposits | 83.0923% | 2,135 |
| Net loans and leases to core deposits | 85.1659% | 2,592 |
| Total domestic deposits to total assets | 84.2044% | 3,854 |
| Equity capital to assets | 12.1004% | 1,917 |
| Core capital (leverage) ratio | 11.6683% | 1,875 |
| Tier 1 risk-based capital ratio | 13.2657% | 4,744 |
| Total risk-based capital ratio | 14.5158% | 4,679 |
| Memoranda: | ||
| Average total assets | $1,248,125,670 | 539 |
| Average earning assets | $1,127,920,330 | 544 |
| Average equity | $151,292,670 | 498 |
| Average total loans | $847,921,330 | 516 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 1,916 |
| Cost of funding earning assets | 0.1241% | 6,477 |
| Net interest margin | 4.3419% | 917 |
| Noninterest income to average assets | 0.7965% | 1,762 |
| Noninterest expense to average assets | 3.2049% | 2,223 |
| Loan and lease loss provision to assets | -0.0123% | 6,404 |
| Net operating income to assets | 1.0818% | 1,889 |
| Return on assets (ROA) | 1.0894% | 1,921 |
| Pretax return on assets | 1.5566% | 1,271 |
| Return on Equity (ROE) | 8.9788% | 2,473 |
| Retained earnings to average equity (ytd only) | 3.7538% | 3,874 |
| Net charge-offs to loans | 0.1262% | 1,958 |
| Credit loss provision to net charge-offs | -14.8000% | 4,688 |
| Earnings coverage of net charge-offs (x) | 18.3040% | 1,425 |
| Efficiency ratio | 67.3648% | 4,303 |
| Assets per employee ($millions) | 4.5225% | 2,935 |
| Cash dividends to net income (ytd only)* | 58.1930% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0657% | 1,388 |
| Loan loss allowance to noncurrent loans | 1,628.4284% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 5,036 |
| Noncurrent loans to loans | 0.1269% | 5,728 |
| Net loans and leases to total assets | 64.8430% | 2,751 |
| Net loans and leases to deposits | 76.9575% | 2,687 |
| Net loans and leases to core deposits | 78.8855% | 3,104 |
| Total domestic deposits to total assets | 84.2582% | 4,183 |
| Equity capital to assets | 12.2838% | 1,696 |
| Core capital (leverage) ratio | 12.0099% | 1,647 |
| Tier 1 risk-based capital ratio | 14.1834% | 4,202 |
| Total risk-based capital ratio | 15.4383% | 4,147 |
| Memoranda: | ||
| Average total assets | $1,198,771,500 | 566 |
| Average earning assets | $1,086,524,000 | 564 |
| Average equity | $145,453,000 | 508 |
| Average total loans | $792,572,000 | 550 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6371% | 1,750 |
| Cost of funding earning assets | 0.1537% | 6,522 |
| Net interest margin | 4.4834% | 759 |
| Noninterest income to average assets | 0.8322% | 1,928 |
| Noninterest expense to average assets | 3.2135% | 2,374 |
| Loan and lease loss provision to assets | -0.0457% | 6,372 |
| Net operating income to assets | 1.1658% | 1,696 |
| Return on assets (ROA) | 1.1691% | 1,744 |
| Pretax return on assets | 1.7142% | 920 |
| Return on Equity (ROE) | 9.6224% | 2,273 |
| Retained earnings to average equity (ytd only) | 4.5454% | 2,928 |
| Net charge-offs to loans | -0.0468% | 6,318 |
| Credit loss provision to net charge-offs | 149.1620% | 1,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5375% | 4,646 |
| Assets per employee ($millions) | 4.5079% | 2,890 |
| Cash dividends to net income (ytd only)* | 52.7627% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 1,382 |
| Loan loss allowance to noncurrent loans | 912.1212% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.3491% | 5,219 |
| Noncurrent loans to loans | 0.2276% | 5,505 |
| Net loans and leases to total assets | 64.6512% | 2,930 |
| Net loans and leases to deposits | 77.0438% | 2,850 |
| Net loans and leases to core deposits | 78.9112% | 3,249 |
| Total domestic deposits to total assets | 83.9148% | 4,198 |
| Equity capital to assets | 11.9855% | 1,816 |
| Core capital (leverage) ratio | 11.6784% | 1,842 |
| Tier 1 risk-based capital ratio | 13.7294% | 4,500 |
| Total risk-based capital ratio | 14.9829% | 4,438 |
| Memoranda: | ||
| Average total assets | $1,167,217,400 | 562 |
| Average earning assets | $1,052,115,600 | 564 |
| Average equity | $141,814,600 | 513 |
| Average total loans | $765,637,600 | 549 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 1,778 |
| Cost of funding earning assets | 0.1568% | 6,613 |
| Net interest margin | 4.4808% | 757 |
| Noninterest income to average assets | 0.8636% | 1,882 |
| Noninterest expense to average assets | 3.1916% | 2,393 |
| Loan and lease loss provision to assets | -0.0767% | 6,590 |
| Net operating income to assets | 1.2164% | 1,581 |
| Return on assets (ROA) | 1.2079% | 1,684 |
| Pretax return on assets | 1.7797% | 946 |
| Return on Equity (ROE) | 9.9070% | 2,222 |
| Retained earnings to average equity (ytd only) | 4.8977% | 3,151 |
| Net charge-offs to loans | -0.1329% | 6,572 |
| Credit loss provision to net charge-offs | 88.2119% | 2,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7660% | 4,685 |
| Assets per employee ($millions) | 4.2633% | 3,303 |
| Cash dividends to net income (ytd only)* | 50.5629% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1499% | 1,411 |
| Loan loss allowance to noncurrent loans | 579.4006% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 4,762 |
| Noncurrent loans to loans | 0.3711% | 5,287 |
| Net loans and leases to total assets | 65.2957% | 2,752 |
| Net loans and leases to deposits | 78.2234% | 2,622 |
| Net loans and leases to core deposits | 80.3377% | 3,090 |
| Total domestic deposits to total assets | 83.4733% | 4,390 |
| Equity capital to assets | 12.2512% | 1,745 |
| Core capital (leverage) ratio | 11.8865% | 1,744 |
| Tier 1 risk-based capital ratio | 13.7045% | 4,626 |
| Total risk-based capital ratio | 14.9597% | 4,580 |
| Memoranda: | ||
| Average total assets | $1,156,993,250 | 567 |
| Average earning assets | $1,041,433,500 | 571 |
| Average equity | $141,068,500 | 522 |
| Average total loans | $757,643,250 | 555 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6213% | 1,779 |
| Cost of funding earning assets | 0.1597% | 6,670 |
| Net interest margin | 4.4616% | 762 |
| Noninterest income to average assets | 0.8666% | 1,936 |
| Noninterest expense to average assets | 3.1622% | 2,471 |
| Loan and lease loss provision to assets | 0.0207% | 4,484 |
| Net operating income to assets | 1.1708% | 1,665 |
| Return on assets (ROA) | 1.1566% | 1,831 |
| Pretax return on assets | 1.6955% | 1,125 |
| Return on Equity (ROE) | 9.5012% | 2,418 |
| Retained earnings to average equity (ytd only) | 4.6515% | 3,293 |
| Net charge-offs to loans | 0.0080% | 4,724 |
| Credit loss provision to net charge-offs | 396.6667% | 663 |
| Earnings coverage of net charge-offs (x) | 330.4333% | 151 |
| Efficiency ratio | 64.3378% | 4,822 |
| Assets per employee ($millions) | 4.2741% | 3,220 |
| Cash dividends to net income (ytd only)* | 51.0434% | 1,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2108% | 1,403 |
| Loan loss allowance to noncurrent loans | 438.8208% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.7016% | 4,469 |
| Noncurrent loans to loans | 0.5038% | 5,010 |
| Net loans and leases to total assets | 64.2319% | 2,880 |
| Net loans and leases to deposits | 76.7304% | 2,766 |
| Net loans and leases to core deposits | 78.8472% | 3,186 |
| Total domestic deposits to total assets | 83.7112% | 4,450 |
| Equity capital to assets | 12.2207% | 1,762 |
| Core capital (leverage) ratio | 12.0352% | 1,595 |
| Tier 1 risk-based capital ratio | 14.0407% | 4,392 |
| Total risk-based capital ratio | 15.2955% | 4,349 |
| Memoranda: | ||
| Average total assets | $1,151,856,330 | 569 |
| Average earning assets | $1,037,028,330 | 576 |
| Average equity | $140,213,670 | 527 |
| Average total loans | $749,408,000 | 558 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 1,954 |
| Cost of funding earning assets | 0.1638% | 6,752 |
| Net interest margin | 4.3948% | 814 |
| Noninterest income to average assets | 0.7567% | 2,308 |
| Noninterest expense to average assets | 3.1703% | 2,453 |
| Loan and lease loss provision to assets | 0.0815% | 3,289 |
| Net operating income to assets | 1.0228% | 2,132 |
| Return on assets (ROA) | 1.0085% | 2,304 |
| Pretax return on assets | 1.4501% | 1,708 |
| Return on Equity (ROE) | 8.3012% | 2,817 |
| Retained earnings to average equity (ytd only) | 3.4283% | 4,196 |
| Net charge-offs to loans | -0.0446% | 6,083 |
| Credit loss provision to net charge-offs | -281.9277% | 5,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8984% | 4,507 |
| Assets per employee ($millions) | 4.4887% | 2,995 |
| Cash dividends to net income (ytd only)* | 58.7017% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2666% | 1,463 |
| Loan loss allowance to noncurrent loans | 387.1026% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7793% | 4,426 |
| Noncurrent loans to loans | 0.5855% | 4,978 |
| Net loans and leases to total assets | 64.2229% | 2,663 |
| Net loans and leases to deposits | 76.1777% | 2,610 |
| Net loans and leases to core deposits | 78.2378% | 3,030 |
| Total domestic deposits to total assets | 84.3068% | 4,351 |
| Equity capital to assets | 12.2447% | 1,870 |
| Core capital (leverage) ratio | 12.0767% | 1,524 |
| Tier 1 risk-based capital ratio | 13.5478% | 4,837 |
| Total risk-based capital ratio | 14.8035% | 4,791 |
| Memoranda: | ||
| Average total assets | $1,148,644,000 | 576 |
| Average earning assets | $1,032,952,000 | 583 |
| Average equity | $139,545,500 | 531 |
| Average total loans | $743,709,000 | 566 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 2,087 |
| Cost of funding earning assets | 0.2062% | 6,820 |
| Net interest margin | 4.6259% | 749 |
| Noninterest income to average assets | 0.9544% | 1,686 |
| Noninterest expense to average assets | 3.3149% | 2,288 |
| Loan and lease loss provision to assets | -0.1095% | 6,928 |
| Net operating income to assets | 1.2966% | 1,311 |
| Return on assets (ROA) | 1.2708% | 1,546 |
| Pretax return on assets | 1.8923% | 763 |
| Return on Equity (ROE) | 10.3414% | 2,032 |
| Retained earnings to average equity (ytd only) | 5.3001% | 2,501 |
| Net charge-offs to loans | -0.2001% | 6,938 |
| Credit loss provision to net charge-offs | 84.0559% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3745% | 4,819 |
| Assets per employee ($millions) | 4.5741% | 2,830 |
| Cash dividends to net income (ytd only)* | 48.7490% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2755% | 1,404 |
| Loan loss allowance to noncurrent loans | 369.3377% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.7871% | 4,493 |
| Noncurrent loans to loans | 0.6161% | 4,974 |
| Net loans and leases to total assets | 62.3363% | 3,202 |
| Net loans and leases to deposits | 73.4085% | 3,190 |
| Net loans and leases to core deposits | 75.2309% | 3,628 |
| Total domestic deposits to total assets | 84.9170% | 3,895 |
| Equity capital to assets | 12.0534% | 2,011 |
| Core capital (leverage) ratio | 11.7416% | 1,711 |
| Tier 1 risk-based capital ratio | 13.8520% | 4,491 |
| Total risk-based capital ratio | 15.1070% | 4,443 |
| Memoranda: | ||
| Average total assets | $1,097,694,000 | 600 |
| Average earning assets | $987,014,400 | 599 |
| Average equity | $134,885,000 | 536 |
| Average total loans | $714,703,800 | 578 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8690% | 2,125 |
| Cost of funding earning assets | 0.2162% | 6,913 |
| Net interest margin | 4.6528% | 741 |
| Noninterest income to average assets | 0.9431% | 1,696 |
| Noninterest expense to average assets | 3.2794% | 2,326 |
| Loan and lease loss provision to assets | -0.1119% | 7,047 |
| Net operating income to assets | 1.3321% | 1,372 |
| Return on assets (ROA) | 1.3064% | 1,570 |
| Pretax return on assets | 1.9454% | 784 |
| Return on Equity (ROE) | 10.5780% | 2,106 |
| Retained earnings to average equity (ytd only) | 5.4986% | 3,040 |
| Net charge-offs to loans | -0.2445% | 7,025 |
| Credit loss provision to net charge-offs | 69.9462% | 3,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4892% | 4,889 |
| Assets per employee ($millions) | 4.3762% | 3,111 |
| Cash dividends to net income (ytd only)* | 48.0181% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3058% | 1,509 |
| Loan loss allowance to noncurrent loans | 345.7634% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 4,392 |
| Noncurrent loans to loans | 0.6669% | 5,111 |
| Net loans and leases to total assets | 63.6412% | 3,086 |
| Net loans and leases to deposits | 75.2544% | 3,103 |
| Net loans and leases to core deposits | 77.5432% | 3,525 |
| Total domestic deposits to total assets | 84.5681% | 3,944 |
| Equity capital to assets | 12.2137% | 2,104 |
| Core capital (leverage) ratio | 11.9031% | 1,717 |
| Tier 1 risk-based capital ratio | 13.9388% | 4,576 |
| Total risk-based capital ratio | 15.1947% | 4,522 |
| Memoranda: | ||
| Average total assets | $1,083,949,500 | 607 |
| Average earning assets | $974,929,000 | 608 |
| Average equity | $133,872,250 | 541 |
| Average total loans | $709,563,750 | 584 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8885% | 2,157 |
| Cost of funding earning assets | 0.2255% | 6,980 |
| Net interest margin | 4.6631% | 726 |
| Noninterest income to average assets | 0.8818% | 1,858 |
| Noninterest expense to average assets | 3.3119% | 2,277 |
| Loan and lease loss provision to assets | 0.0333% | 5,255 |
| Net operating income to assets | 1.1933% | 1,740 |
| Return on assets (ROA) | 1.1805% | 1,985 |
| Pretax return on assets | 1.7441% | 1,151 |
| Return on Equity (ROE) | 9.5217% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.3976% | 3,687 |
| Net charge-offs to loans | 0.0544% | 4,648 |
| Credit loss provision to net charge-offs | 93.1937% | 2,950 |
| Earnings coverage of net charge-offs (x) | 49.7173% | 737 |
| Efficiency ratio | 64.6413% | 4,776 |
| Assets per employee ($millions) | 4.1054% | 3,655 |
| Cash dividends to net income (ytd only)* | 53.8145% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3452% | 1,509 |
| Loan loss allowance to noncurrent loans | 274.1480% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 1.1721% | 4,055 |
| Noncurrent loans to loans | 0.8555% | 4,803 |
| Net loans and leases to total assets | 64.5763% | 2,914 |
| Net loans and leases to deposits | 76.2261% | 2,956 |
| Net loans and leases to core deposits | 79.0509% | 3,360 |
| Total domestic deposits to total assets | 84.7167% | 3,993 |
| Equity capital to assets | 12.6375% | 1,729 |
| Core capital (leverage) ratio | 12.1213% | 1,539 |
| Tier 1 risk-based capital ratio | 14.0412% | 4,423 |
| Total risk-based capital ratio | 15.2983% | 4,380 |
| Memoranda: | ||
| Average total assets | $1,070,367,330 | 618 |
| Average earning assets | $965,114,670 | 617 |
| Average equity | $132,707,330 | 542 |
| Average total loans | $701,863,670 | 587 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 2,474 |
| Cost of funding earning assets | 0.2384% | 7,036 |
| Net interest margin | 4.6043% | 819 |
| Noninterest income to average assets | 0.8459% | 1,964 |
| Noninterest expense to average assets | 3.3783% | 2,061 |
| Loan and lease loss provision to assets | 0.0332% | 4,960 |
| Net operating income to assets | 1.1260% | 1,965 |
| Return on assets (ROA) | 1.0913% | 2,317 |
| Pretax return on assets | 1.5677% | 1,673 |
| Return on Equity (ROE) | 8.8873% | 2,874 |
| Retained earnings to average equity (ytd only) | 3.7308% | 4,349 |
| Net charge-offs to loans | 0.1734% | 3,053 |
| Credit loss provision to net charge-offs | 29.2763% | 3,638 |
| Earnings coverage of net charge-offs (x) | 14.4178% | 1,470 |
| Efficiency ratio | 66.9442% | 4,367 |
| Assets per employee ($millions) | 4.0786% | 3,847 |
| Cash dividends to net income (ytd only)* | 58.0205% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3306% | 1,624 |
| Loan loss allowance to noncurrent loans | 238.7570% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 1.2614% | 4,031 |
| Noncurrent loans to loans | 0.9761% | 4,728 |
| Net loans and leases to total assets | 63.8770% | 2,871 |
| Net loans and leases to deposits | 75.2014% | 2,943 |
| Net loans and leases to core deposits | 77.9207% | 3,338 |
| Total domestic deposits to total assets | 84.9412% | 4,072 |
| Equity capital to assets | 12.4379% | 1,760 |
| Core capital (leverage) ratio | 12.1370% | 1,511 |
| Tier 1 risk-based capital ratio | 13.7184% | 4,665 |
| Total risk-based capital ratio | 14.9749% | 4,647 |
| Memoranda: | ||
| Average total assets | $1,073,901,500 | 618 |
| Average earning assets | $971,449,000 | 612 |
| Average equity | $131,874,000 | 544 |
| Average total loans | $701,231,000 | 589 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0886% | 2,498 |
| Cost of funding earning assets | 0.3243% | 7,062 |
| Net interest margin | 4.7643% | 668 |
| Noninterest income to average assets | 0.9361% | 1,548 |
| Noninterest expense to average assets | 3.3103% | 2,492 |
| Loan and lease loss provision to assets | 0.1877% | 4,307 |
| Net operating income to assets | 1.1813% | 1,563 |
| Return on assets (ROA) | 1.1682% | 1,720 |
| Pretax return on assets | 1.7183% | 954 |
| Return on Equity (ROE) | 9.6618% | 2,182 |
| Retained earnings to average equity (ytd only) | 4.2259% | 3,178 |
| Net charge-offs to loans | -0.0145% | 6,924 |
| Credit loss provision to net charge-offs | -2,039.7959% | 6,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9542% | 5,307 |
| Assets per employee ($millions) | 4.0269% | 3,793 |
| Cash dividends to net income (ytd only)* | 56.2611% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3455% | 1,550 |
| Loan loss allowance to noncurrent loans | 224.2255% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1622% | 4,289 |
| Noncurrent loans to loans | 1.0461% | 4,617 |
| Net loans and leases to total assets | 63.6656% | 3,257 |
| Net loans and leases to deposits | 74.8018% | 3,373 |
| Net loans and leases to core deposits | 77.3828% | 3,762 |
| Total domestic deposits to total assets | 85.1124% | 3,779 |
| Equity capital to assets | 12.1234% | 2,031 |
| Core capital (leverage) ratio | 11.7206% | 1,752 |
| Tier 1 risk-based capital ratio | 13.8863% | 4,409 |
| Total risk-based capital ratio | 15.1437% | 4,362 |
| Memoranda: | ||
| Average total assets | $1,065,099,000 | 618 |
| Average earning assets | $957,107,400 | 618 |
| Average equity | $128,775,800 | 541 |
| Average total loans | $673,903,800 | 611 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0824% | 2,696 |
| Cost of funding earning assets | 0.3401% | 7,144 |
| Net interest margin | 4.7424% | 697 |
| Noninterest income to average assets | 0.9460% | 1,498 |
| Noninterest expense to average assets | 3.3469% | 2,359 |
| Loan and lease loss provision to assets | 0.2071% | 3,946 |
| Net operating income to assets | 1.1371% | 1,854 |
| Return on assets (ROA) | 1.1216% | 2,034 |
| Pretax return on assets | 1.6461% | 1,267 |
| Return on Equity (ROE) | 9.2830% | 2,469 |
| Retained earnings to average equity (ytd only) | 4.3972% | 3,597 |
| Net charge-offs to loans | -0.0076% | 6,750 |
| Credit loss provision to net charge-offs | -4,339.4737% | 6,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8035% | 5,113 |
| Assets per employee ($millions) | 3.9869% | 3,880 |
| Cash dividends to net income (ytd only)* | 52.6316% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4562% | 1,456 |
| Loan loss allowance to noncurrent loans | 204.5894% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 1.2922% | 4,224 |
| Noncurrent loans to loans | 1.2005% | 4,535 |
| Net loans and leases to total assets | 60.2639% | 4,085 |
| Net loans and leases to deposits | 70.9654% | 4,147 |
| Net loans and leases to core deposits | 74.4037% | 4,391 |
| Total domestic deposits to total assets | 84.9200% | 3,806 |
| Equity capital to assets | 12.2604% | 2,047 |
| Core capital (leverage) ratio | 11.8232% | 1,813 |
| Tier 1 risk-based capital ratio | 14.1664% | 4,225 |
| Total risk-based capital ratio | 15.4239% | 4,187 |
| Memoranda: | ||
| Average total assets | $1,061,569,500 | 626 |
| Average earning assets | $953,165,750 | 632 |
| Average equity | $128,260,250 | 549 |
| Average total loans | $666,481,500 | 627 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1107% | 2,630 |
| Cost of funding earning assets | 0.3487% | 7,227 |
| Net interest margin | 4.7620% | 642 |
| Noninterest income to average assets | 0.9534% | 1,455 |
| Noninterest expense to average assets | 3.3381% | 2,436 |
| Loan and lease loss provision to assets | 0.2070% | 3,853 |
| Net operating income to assets | 1.1650% | 1,682 |
| Return on assets (ROA) | 1.1573% | 1,776 |
| Pretax return on assets | 1.6958% | 1,063 |
| Return on Equity (ROE) | 9.6262% | 2,256 |
| Retained earnings to average equity (ytd only) | 5.8666% | 2,507 |
| Net charge-offs to loans | -0.0206% | 6,826 |
| Credit loss provision to net charge-offs | -1,592.7536% | 6,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2801% | 5,367 |
| Assets per employee ($millions) | 3.8694% | 4,056 |
| Cash dividends to net income (ytd only)* | 39.0561% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4002% | 1,589 |
| Loan loss allowance to noncurrent loans | 158.0154% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 1.4299% | 4,068 |
| Noncurrent loans to loans | 1.5189% | 4,145 |
| Net loans and leases to total assets | 60.6186% | 4,163 |
| Net loans and leases to deposits | 71.1351% | 4,271 |
| Net loans and leases to core deposits | 74.4684% | 4,515 |
| Total domestic deposits to total assets | 85.2162% | 3,777 |
| Equity capital to assets | 12.4462% | 1,817 |
| Core capital (leverage) ratio | 11.9374% | 1,636 |
| Tier 1 risk-based capital ratio | 14.4793% | 3,797 |
| Total risk-based capital ratio | 15.7366% | 3,769 |
| Memoranda: | ||
| Average total assets | $1,061,921,330 | 634 |
| Average earning assets | $954,382,330 | 637 |
| Average equity | $127,672,670 | 549 |
| Average total loans | $670,242,000 | 631 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1058% | 2,621 |
| Cost of funding earning assets | 0.3600% | 7,303 |
| Net interest margin | 4.7458% | 644 |
| Noninterest income to average assets | 0.7331% | 2,372 |
| Noninterest expense to average assets | 3.3393% | 2,445 |
| Loan and lease loss provision to assets | 0.2051% | 3,590 |
| Net operating income to assets | 1.0165% | 2,127 |
| Return on assets (ROA) | 1.0511% | 2,048 |
| Pretax return on assets | 1.5297% | 1,360 |
| Return on Equity (ROE) | 8.8952% | 2,512 |
| Retained earnings to average equity (ytd only) | 5.1006% | 3,119 |
| Net charge-offs to loans | -0.1081% | 7,112 |
| Credit loss provision to net charge-offs | -298.3696% | 5,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1420% | 5,012 |
| Assets per employee ($millions) | 3.9382% | 3,970 |
| Cash dividends to net income (ytd only)* | 42.6591% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2665% | 1,827 |
| Loan loss allowance to noncurrent loans | 146.6673% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 1.8944% | 3,444 |
| Noncurrent loans to loans | 1.5453% | 4,148 |
| Net loans and leases to total assets | 59.8433% | 4,296 |
| Net loans and leases to deposits | 69.5419% | 4,422 |
| Net loans and leases to core deposits | 72.7893% | 4,679 |
| Total domestic deposits to total assets | 86.0535% | 3,493 |
| Equity capital to assets | 11.6628% | 2,147 |
| Core capital (leverage) ratio | 11.6507% | 1,770 |
| Tier 1 risk-based capital ratio | 13.9339% | 4,119 |
| Total risk-based capital ratio | 15.1901% | 4,087 |
| Memoranda: | ||
| Average total assets | $1,070,518,000 | 630 |
| Average earning assets | $964,549,000 | 630 |
| Average equity | $126,494,500 | 551 |
| Average total loans | $680,926,500 | 630 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7276% | 1,476 |
| Cost of funding earning assets | 0.5607% | 7,205 |
| Net interest margin | 5.1669% | 305 |
| Noninterest income to average assets | 1.0751% | 1,293 |
| Noninterest expense to average assets | 3.6663% | 1,777 |
| Loan and lease loss provision to assets | 0.5505% | 2,936 |
| Net operating income to assets | 1.0056% | 2,024 |
| Return on assets (ROA) | 1.0104% | 2,110 |
| Pretax return on assets | 1.4781% | 1,431 |
| Return on Equity (ROE) | 8.3056% | 2,578 |
| Retained earnings to average equity (ytd only) | 4.8199% | 2,530 |
| Net charge-offs to loans | 0.6464% | 3,081 |
| Credit loss provision to net charge-offs | 130.2917% | 3,048 |
| Earnings coverage of net charge-offs (x) | 4.7426% | 2,821 |
| Efficiency ratio | 64.1380% | 5,327 |
| Assets per employee ($millions) | 3.8188% | 4,210 |
| Cash dividends to net income (ytd only)* | 41.9676% | 2,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0761% | 2,118 |
| Loan loss allowance to noncurrent loans | 126.2134% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 2.0729% | 3,256 |
| Noncurrent loans to loans | 1.6449% | 4,036 |
| Net loans and leases to total assets | 64.7036% | 3,727 |
| Net loans and leases to deposits | 75.6769% | 3,891 |
| Net loans and leases to core deposits | 79.3993% | 4,292 |
| Total domestic deposits to total assets | 85.4998% | 3,601 |
| Equity capital to assets | 11.9755% | 1,933 |
| Core capital (leverage) ratio | 11.3009% | 1,956 |
| Tier 1 risk-based capital ratio | 13.1053% | 4,518 |
| Total risk-based capital ratio | 14.3595% | 4,478 |
| Memoranda: | ||
| Average total assets | $1,014,077,200 | 659 |
| Average earning assets | $901,873,000 | 667 |
| Average equity | $123,363,200 | 552 |
| Average total loans | $662,873,400 | 658 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8576% | 1,237 |
| Cost of funding earning assets | 0.5976% | 7,298 |
| Net interest margin | 5.2600% | 262 |
| Noninterest income to average assets | 1.0810% | 1,226 |
| Noninterest expense to average assets | 3.7444% | 1,485 |
| Loan and lease loss provision to assets | 0.4201% | 3,383 |
| Net operating income to assets | 1.0778% | 1,978 |
| Return on assets (ROA) | 1.0808% | 2,073 |
| Pretax return on assets | 1.5968% | 1,355 |
| Return on Equity (ROE) | 8.8483% | 2,540 |
| Retained earnings to average equity (ytd only) | 5.4814% | 2,663 |
| Net charge-offs to loans | 0.3183% | 4,063 |
| Credit loss provision to net charge-offs | 202.4936% | 1,759 |
| Earnings coverage of net charge-offs (x) | 9.6106% | 2,001 |
| Efficiency ratio | 64.7225% | 5,102 |
| Assets per employee ($millions) | 3.7599% | 4,370 |
| Cash dividends to net income (ytd only)* | 38.0508% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 1,777 |
| Loan loss allowance to noncurrent loans | 105.9260% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 2.4089% | 2,968 |
| Noncurrent loans to loans | 2.0909% | 3,580 |
| Net loans and leases to total assets | 62.8167% | 4,366 |
| Net loans and leases to deposits | 73.4137% | 4,611 |
| Net loans and leases to core deposits | 76.9451% | 4,929 |
| Total domestic deposits to total assets | 85.5653% | 3,312 |
| Equity capital to assets | 12.1564% | 2,055 |
| Core capital (leverage) ratio | 11.6348% | 1,856 |
| Tier 1 risk-based capital ratio | 13.4657% | 4,227 |
| Total risk-based capital ratio | 14.7211% | 4,173 |
| Memoranda: | ||
| Average total assets | $1,005,055,250 | 657 |
| Average earning assets | $889,913,750 | 673 |
| Average equity | $122,763,250 | 550 |
| Average total loans | $655,116,500 | 668 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9905% | 969 |
| Cost of funding earning assets | 0.6220% | 7,360 |
| Net interest margin | 5.3684% | 217 |
| Noninterest income to average assets | 0.8967% | 1,699 |
| Noninterest expense to average assets | 3.8028% | 1,356 |
| Loan and lease loss provision to assets | 0.5525% | 2,564 |
| Net operating income to assets | 0.8989% | 2,556 |
| Return on assets (ROA) | 0.9297% | 2,534 |
| Pretax return on assets | 1.3361% | 1,986 |
| Return on Equity (ROE) | 7.5985% | 3,060 |
| Retained earnings to average equity (ytd only) | 4.4783% | 3,218 |
| Net charge-offs to loans | 0.4389% | 3,228 |
| Credit loss provision to net charge-offs | 192.1733% | 2,048 |
| Earnings coverage of net charge-offs (x) | 6.3753% | 2,467 |
| Efficiency ratio | 66.9305% | 4,780 |
| Assets per employee ($millions) | 3.4943% | 4,944 |
| Cash dividends to net income (ytd only)* | 41.0633% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2287% | 1,706 |
| Loan loss allowance to noncurrent loans | 93.6028% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.8305% | 2,548 |
| Noncurrent loans to loans | 2.3810% | 3,275 |
| Net loans and leases to total assets | 63.1104% | 4,443 |
| Net loans and leases to deposits | 73.8697% | 4,695 |
| Net loans and leases to core deposits | 77.0366% | 5,077 |
| Total domestic deposits to total assets | 85.4347% | 3,399 |
| Equity capital to assets | 12.2787% | 1,934 |
| Core capital (leverage) ratio | 11.6859% | 1,815 |
| Tier 1 risk-based capital ratio | 13.7680% | 3,899 |
| Total risk-based capital ratio | 15.0240% | 3,859 |
| Memoranda: | ||
| Average total assets | $995,420,000 | 661 |
| Average earning assets | $878,727,330 | 683 |
| Average equity | $121,787,000 | 548 |
| Average total loans | $652,085,000 | 676 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0165% | 943 |
| Cost of funding earning assets | 0.6284% | 7,500 |
| Net interest margin | 5.3881% | 215 |
| Noninterest income to average assets | 0.8115% | 1,966 |
| Noninterest expense to average assets | 3.8467% | 1,253 |
| Loan and lease loss provision to assets | 0.5546% | 2,284 |
| Net operating income to assets | 0.8174% | 2,892 |
| Return on assets (ROA) | 0.8874% | 2,670 |
| Pretax return on assets | 1.2548% | 2,192 |
| Return on Equity (ROE) | 7.2660% | 3,214 |
| Retained earnings to average equity (ytd only) | 4.1284% | 3,672 |
| Net charge-offs to loans | 0.2671% | 3,342 |
| Credit loss provision to net charge-offs | 314.6453% | 1,256 |
| Earnings coverage of net charge-offs (x) | 9.6819% | 1,821 |
| Efficiency ratio | 68.7173% | 4,569 |
| Assets per employee ($millions) | 3.4418% | 5,169 |
| Cash dividends to net income (ytd only)* | 43.1818% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,857 |
| Loan loss allowance to noncurrent loans | 90.2351% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 3.2134% | 2,235 |
| Noncurrent loans to loans | 2.3806% | 3,296 |
| Net loans and leases to total assets | 65.0001% | 4,101 |
| Net loans and leases to deposits | 76.1591% | 4,382 |
| Net loans and leases to core deposits | 79.5134% | 4,828 |
| Total domestic deposits to total assets | 85.3478% | 3,486 |
| Equity capital to assets | 12.3648% | 1,831 |
| Core capital (leverage) ratio | 11.7640% | 1,770 |
| Tier 1 risk-based capital ratio | 13.3462% | 4,092 |
| Total risk-based capital ratio | 14.6013% | 4,048 |
| Memoranda: | ||
| Average total assets | $991,699,000 | 682 |
| Average earning assets | $872,738,000 | 702 |
| Average equity | $121,111,500 | 555 |
| Average total loans | $654,459,000 | 690 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 1,210 |
| Cost of funding earning assets | 0.7561% | 7,615 |
| Net interest margin | 5.4550% | 193 |
| Noninterest income to average assets | 1.2490% | 968 |
| Noninterest expense to average assets | 3.9257% | 1,474 |
| Loan and lease loss provision to assets | 0.7145% | 2,975 |
| Net operating income to assets | 0.9587% | 1,987 |
| Return on assets (ROA) | 0.9351% | 2,124 |
| Pretax return on assets | 1.3611% | 1,528 |
| Return on Equity (ROE) | 7.8495% | 2,435 |
| Retained earnings to average equity (ytd only) | 4.6238% | 2,020 |
| Net charge-offs to loans | 1.0051% | 2,405 |
| Credit loss provision to net charge-offs | 103.0330% | 5,362 |
| Earnings coverage of net charge-offs (x) | 3.0175% | 3,568 |
| Efficiency ratio | 64.6868% | 5,647 |
| Assets per employee ($millions) | 3.3866% | 5,291 |
| Cash dividends to net income (ytd only)* | 41.0944% | 2,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0011% | 2,023 |
| Loan loss allowance to noncurrent loans | 95.4211% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 3.1122% | 2,227 |
| Noncurrent loans to loans | 2.0971% | 3,523 |
| Net loans and leases to total assets | 64.2547% | 4,543 |
| Net loans and leases to deposits | 74.7885% | 4,909 |
| Net loans and leases to core deposits | 82.4966% | 5,875 |
| Total domestic deposits to total assets | 85.9153% | 3,059 |
| Equity capital to assets | 12.0625% | 1,996 |
| Core capital (leverage) ratio | 11.3308% | 2,016 |
| Tier 1 risk-based capital ratio | 13.0501% | 4,108 |
| Total risk-based capital ratio | 14.3036% | 4,054 |
| Memoranda: | ||
| Average total assets | $988,917,800 | 677 |
| Average earning assets | $864,605,600 | 702 |
| Average equity | $117,804,200 | 560 |
| Average total loans | $682,341,600 | 683 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2339% | 1,285 |
| Cost of funding earning assets | 0.7940% | 7,699 |
| Net interest margin | 5.4399% | 196 |
| Noninterest income to average assets | 1.3109% | 900 |
| Noninterest expense to average assets | 4.0063% | 1,267 |
| Loan and lease loss provision to assets | 0.6577% | 2,774 |
| Net operating income to assets | 0.9748% | 2,147 |
| Return on assets (ROA) | 0.9562% | 2,271 |
| Pretax return on assets | 1.3914% | 1,719 |
| Return on Equity (ROE) | 8.0525% | 2,614 |
| Retained earnings to average equity (ytd only) | 4.8083% | 2,601 |
| Net charge-offs to loans | 0.8346% | 2,293 |
| Credit loss provision to net charge-offs | 112.7955% | 4,502 |
| Earnings coverage of net charge-offs (x) | 3.5308% | 3,492 |
| Efficiency ratio | 65.5033% | 5,456 |
| Assets per employee ($millions) | 3.4211% | 5,120 |
| Cash dividends to net income (ytd only)* | 40.2885% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 1,812 |
| Loan loss allowance to noncurrent loans | 53.6835% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 3.5826% | 1,839 |
| Noncurrent loans to loans | 3.7168% | 2,004 |
| Net loans and leases to total assets | 67.2944% | 4,118 |
| Net loans and leases to deposits | 78.4403% | 4,673 |
| Net loans and leases to core deposits | 88.7463% | 5,555 |
| Total domestic deposits to total assets | 85.7906% | 2,808 |
| Equity capital to assets | 12.1883% | 2,128 |
| Core capital (leverage) ratio | 11.4923% | 2,079 |
| Tier 1 risk-based capital ratio | 13.0403% | 4,164 |
| Total risk-based capital ratio | 14.2945% | 4,096 |
| Memoranda: | ||
| Average total assets | $986,387,000 | 690 |
| Average earning assets | $862,081,750 | 714 |
| Average equity | $117,128,000 | 571 |
| Average total loans | $689,167,250 | 694 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2354% | 1,369 |
| Cost of funding earning assets | 0.8335% | 7,778 |
| Net interest margin | 5.4019% | 211 |
| Noninterest income to average assets | 1.3362% | 859 |
| Noninterest expense to average assets | 3.9294% | 1,433 |
| Loan and lease loss provision to assets | 0.7070% | 2,309 |
| Net operating income to assets | 0.9810% | 2,172 |
| Return on assets (ROA) | 0.9703% | 2,304 |
| Pretax return on assets | 1.4113% | 1,691 |
| Return on Equity (ROE) | 8.2439% | 2,672 |
| Retained earnings to average equity (ytd only) | 4.9759% | 2,523 |
| Net charge-offs to loans | 0.9234% | 1,864 |
| Credit loss provision to net charge-offs | 108.9548% | 4,243 |
| Earnings coverage of net charge-offs (x) | 3.2627% | 3,513 |
| Efficiency ratio | 64.4345% | 5,819 |
| Assets per employee ($millions) | 3.2400% | 5,479 |
| Cash dividends to net income (ytd only)* | 39.6411% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9158% | 1,754 |
| Loan loss allowance to noncurrent loans | 65.9218% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 3.2489% | 1,923 |
| Noncurrent loans to loans | 2.9062% | 2,479 |
| Net loans and leases to total assets | 69.4575% | 3,830 |
| Net loans and leases to deposits | 81.9069% | 4,239 |
| Net loans and leases to core deposits | 92.7910% | 5,267 |
| Total domestic deposits to total assets | 84.8005% | 3,354 |
| Equity capital to assets | 12.1418% | 2,123 |
| Core capital (leverage) ratio | 11.4301% | 2,119 |
| Tier 1 risk-based capital ratio | 12.6255% | 4,423 |
| Total risk-based capital ratio | 13.8789% | 4,339 |
| Memoranda: | ||
| Average total assets | $987,895,000 | 704 |
| Average earning assets | $861,399,670 | 735 |
| Average equity | $116,280,000 | 583 |
| Average total loans | $694,159,330 | 708 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1603% | 1,725 |
| Cost of funding earning assets | 0.8979% | 7,814 |
| Net interest margin | 5.2624% | 249 |
| Noninterest income to average assets | 1.3625% | 767 |
| Noninterest expense to average assets | 3.8581% | 1,372 |
| Loan and lease loss provision to assets | 0.5523% | 2,267 |
| Net operating income to assets | 1.0395% | 2,166 |
| Return on assets (ROA) | 1.0070% | 2,420 |
| Pretax return on assets | 1.4938% | 1,684 |
| Return on Equity (ROE) | 8.6890% | 2,844 |
| Retained earnings to average equity (ytd only) | 5.3964% | 2,908 |
| Net charge-offs to loans | 0.5228% | 2,152 |
| Credit loss provision to net charge-offs | 150.9330% | 2,765 |
| Earnings coverage of net charge-offs (x) | 5.6806% | 2,629 |
| Efficiency ratio | 64.4317% | 5,604 |
| Assets per employee ($millions) | 3.3752% | 5,138 |
| Cash dividends to net income (ytd only)* | 37.8939% | 2,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9570% | 1,507 |
| Loan loss allowance to noncurrent loans | 65.4456% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 3.4539% | 1,561 |
| Noncurrent loans to loans | 2.9903% | 2,182 |
| Net loans and leases to total assets | 67.7001% | 4,207 |
| Net loans and leases to deposits | 79.1040% | 4,761 |
| Net loans and leases to core deposits | 91.5378% | 5,393 |
| Total domestic deposits to total assets | 85.5836% | 2,932 |
| Equity capital to assets | 11.7498% | 2,408 |
| Core capital (leverage) ratio | 10.9947% | 2,499 |
| Tier 1 risk-based capital ratio | 12.7065% | 4,387 |
| Total risk-based capital ratio | 13.9605% | 4,302 |
| Memoranda: | ||
| Average total assets | $995,836,000 | 694 |
| Average earning assets | $865,613,500 | 732 |
| Average equity | $115,410,000 | 583 |
| Average total loans | $697,077,500 | 709 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7600% | 1,832 |
| Cost of funding earning assets | 1.4649% | 7,661 |
| Net interest margin | 5.2951% | 286 |
| Noninterest income to average assets | 1.0430% | 1,450 |
| Noninterest expense to average assets | 3.8158% | 1,727 |
| Loan and lease loss provision to assets | 0.7118% | 2,075 |
| Net operating income to assets | 0.7630% | 3,607 |
| Return on assets (ROA) | 0.7725% | 3,400 |
| Pretax return on assets | 1.1721% | 2,757 |
| Return on Equity (ROE) | 6.9316% | 3,565 |
| Retained earnings to average equity (ytd only) | 1.5641% | 4,280 |
| Net charge-offs to loans | 0.8507% | 1,478 |
| Credit loss provision to net charge-offs | 119.3073% | 4,511 |
| Earnings coverage of net charge-offs (x) | 3.1334% | 4,521 |
| Efficiency ratio | 66.5136% | 5,020 |
| Assets per employee ($millions) | 3.4577% | 4,780 |
| Cash dividends to net income (ytd only)* | 77.4350% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 1,597 |
| Loan loss allowance to noncurrent loans | 49.6078% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 3.8515% | 1,094 |
| Noncurrent loans to loans | 3.6559% | 1,381 |
| Net loans and leases to total assets | 69.6475% | 4,109 |
| Net loans and leases to deposits | 82.3167% | 4,678 |
| Net loans and leases to core deposits | 92.8970% | 5,557 |
| Total domestic deposits to total assets | 84.6092% | 3,020 |
| Equity capital to assets | 11.4309% | 2,677 |
| Core capital (leverage) ratio | 10.7718% | 2,765 |
| Tier 1 risk-based capital ratio | 11.7876% | 4,991 |
| Total risk-based capital ratio | 13.0303% | 4,907 |
| Memoranda: | ||
| Average total assets | $1,011,341,600 | 656 |
| Average earning assets | $886,669,000 | 678 |
| Average equity | $112,715,400 | 595 |
| Average total loans | $709,270,400 | 674 |