Home > Northwest Bank > Performance and Condition Ratios
Northwest Bank, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5732% | 2,742 |
| Cost of funding earning assets | 1.7414% | 1,106 |
| Net interest margin | 2.8318% | 3,674 |
| Noninterest income to average assets | 0.7600% | 1,028 |
| Noninterest expense to average assets | 2.4143% | 2,480 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.6756% | 3,374 |
| Return on assets (ROA) | 0.6760% | 3,362 |
| Pretax return on assets | 0.8877% | 3,132 |
| Return on Equity (ROE) | 9.3500% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.0384% | 1,676 |
| Net charge-offs to loans | 0.0099% | 2,033 |
| Credit loss provision to net charge-offs | 1,009.2857% | 396 |
| Earnings coverage of net charge-offs (x) | 130.1786% | 800 |
| Efficiency ratio | 70.5285% | 1,729 |
| Assets per employee ($millions) | 7.6630% | 1,533 |
| Cash dividends to net income (ytd only)* | 3.3656% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,134 |
| Loan loss allowance to noncurrent loans | 446.0748% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 2,167 |
| Noncurrent loans to loans | 0.2792% | 2,239 |
| Net loans and leases to total assets | 75.3500% | 1,193 |
| Net loans and leases to deposits | 98.6225% | 576 |
| Net loans and leases to core deposits | 111.5778% | 813 |
| Total domestic deposits to total assets | 76.4000% | 3,981 |
| Equity capital to assets | 7.2837% | 3,474 |
| Core capital (leverage) ratio | 8.4533% | 4,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4895% | 2,729 |
| Memoranda: | ||
| Average total assets | $2,502,324,500 | 465 |
| Average earning assets | $2,320,465,750 | 460 |
| Average equity | $180,854,000 | 582 |
| Average total loans | $1,889,396,250 | 425 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 2,694 |
| Cost of funding earning assets | 1.5673% | 1,130 |
| Net interest margin | 2.9146% | 3,623 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.4444% | 2,365 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.6847% | 3,372 |
| Return on assets (ROA) | 0.6854% | 3,373 |
| Pretax return on assets | 0.9005% | 3,163 |
| Return on Equity (ROE) | 9.5100% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.0314% | 1,675 |
| Net charge-offs to loans | 0.0133% | 1,692 |
| Credit loss provision to net charge-offs | 758.0645% | 493 |
| Earnings coverage of net charge-offs (x) | 98.5565% | 947 |
| Efficiency ratio | 70.5111% | 1,718 |
| Assets per employee ($millions) | 7.5844% | 1,554 |
| Cash dividends to net income (ytd only)* | 5.0176% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 2,181 |
| Loan loss allowance to noncurrent loans | 419.4586% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 1,978 |
| Noncurrent loans to loans | 0.2976% | 2,074 |
| Net loans and leases to total assets | 74.9800% | 1,164 |
| Net loans and leases to deposits | 97.0003% | 670 |
| Net loans and leases to core deposits | 109.3426% | 858 |
| Total domestic deposits to total assets | 77.3000% | 3,917 |
| Equity capital to assets | 7.2934% | 3,642 |
| Core capital (leverage) ratio | 8.4373% | 4,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3822% | 2,786 |
| Memoranda: | ||
| Average total assets | $2,483,280,333 | 456 |
| Average earning assets | $2,301,415,333 | 453 |
| Average equity | $178,998,000 | 578 |
| Average total loans | $1,868,254,000 | 415 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 2,628 |
| Cost of funding earning assets | 1.3579% | 1,117 |
| Net interest margin | 3.0148% | 3,562 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.4382% | 2,409 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.6600% | 3,555 |
| Return on assets (ROA) | 0.6600% | 3,508 |
| Pretax return on assets | 0.8665% | 3,317 |
| Return on Equity (ROE) | 9.2100% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.2458% | 2,150 |
| Net charge-offs to loans | 0.0290% | 1,120 |
| Credit loss provision to net charge-offs | 352.9851% | 640 |
| Earnings coverage of net charge-offs (x) | 43.7836% | 1,148 |
| Efficiency ratio | 71.1312% | 1,621 |
| Assets per employee ($millions) | 7.6422% | 1,540 |
| Cash dividends to net income (ytd only)* | 10.4940% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,192 |
| Loan loss allowance to noncurrent loans | 520.4986% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2014% | 2,129 |
| Noncurrent loans to loans | 0.2437% | 2,279 |
| Net loans and leases to total assets | 73.9700% | 1,207 |
| Net loans and leases to deposits | 90.8510% | 986 |
| Net loans and leases to core deposits | 102.4649% | 985 |
| Total domestic deposits to total assets | 81.4200% | 3,568 |
| Equity capital to assets | 7.3268% | 3,660 |
| Core capital (leverage) ratio | 8.3517% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4353% | 2,869 |
| Memoranda: | ||
| Average total assets | $2,465,913,500 | 469 |
| Average earning assets | $2,285,226,000 | 463 |
| Average equity | $176,672,000 | 598 |
| Average total loans | $1,846,431,000 | 424 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5795% | 2,856 |
| Cost of funding earning assets | 0.4180% | 1,956 |
| Net interest margin | 3.1614% | 2,980 |
| Noninterest income to average assets | 0.9800% | 668 |
| Noninterest expense to average assets | 2.5819% | 1,878 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.9405% | 2,813 |
| Return on assets (ROA) | 0.9405% | 2,754 |
| Pretax return on assets | 1.2423% | 2,300 |
| Return on Equity (ROE) | 12.5300% | 1,960 |
| Retained earnings to average equity (ytd only) | 9.3022% | 1,387 |
| Net charge-offs to loans | -0.0222% | 4,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.0445% | 2,359 |
| Assets per employee ($millions) | 7.6502% | 1,515 |
| Cash dividends to net income (ytd only)* | 25.7365% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 1,822 |
| Loan loss allowance to noncurrent loans | 519.9616% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 2,193 |
| Noncurrent loans to loans | 0.2533% | 2,252 |
| Net loans and leases to total assets | 73.8500% | 1,226 |
| Net loans and leases to deposits | 89.2797% | 1,103 |
| Net loans and leases to core deposits | 98.2739% | 1,090 |
| Total domestic deposits to total assets | 82.7100% | 3,487 |
| Equity capital to assets | 7.0030% | 3,668 |
| Core capital (leverage) ratio | 8.4232% | 4,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1714% | 2,943 |
| Memoranda: | ||
| Average total assets | $2,313,643,800 | 488 |
| Average earning assets | $2,148,113,000 | 479 |
| Average equity | $173,711,400 | 596 |
| Average total loans | $1,655,922,800 | 435 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3852% | 2,954 |
| Cost of funding earning assets | 0.2573% | 2,637 |
| Net interest margin | 3.1279% | 2,836 |
| Noninterest income to average assets | 1.0800% | 595 |
| Noninterest expense to average assets | 2.5919% | 1,733 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0165% | 2,419 |
| Return on assets (ROA) | 1.0165% | 2,389 |
| Pretax return on assets | 1.3375% | 1,931 |
| Return on Equity (ROE) | 13.3000% | 1,617 |
| Retained earnings to average equity (ytd only) | 9.4524% | 1,497 |
| Net charge-offs to loans | -0.0376% | 4,221 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0338% | 2,548 |
| Assets per employee ($millions) | 7.0786% | 1,889 |
| Cash dividends to net income (ytd only)* | 28.9059% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,713 |
| Loan loss allowance to noncurrent loans | 554.1311% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 2,347 |
| Noncurrent loans to loans | 0.2473% | 2,392 |
| Net loans and leases to total assets | 72.3500% | 1,248 |
| Net loans and leases to deposits | 84.2666% | 1,280 |
| Net loans and leases to core deposits | 89.1154% | 1,353 |
| Total domestic deposits to total assets | 85.8600% | 3,097 |
| Equity capital to assets | 7.1334% | 3,438 |
| Core capital (leverage) ratio | 8.6695% | 3,907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4657% | 2,956 |
| Memoranda: | ||
| Average total assets | $2,274,298,250 | 496 |
| Average earning assets | $2,113,986,000 | 485 |
| Average equity | $173,878,000 | 601 |
| Average total loans | $1,607,616,250 | 440 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2033% | 3,034 |
| Cost of funding earning assets | 0.2098% | 2,783 |
| Net interest margin | 2.9935% | 2,900 |
| Noninterest income to average assets | 1.1618% | 506 |
| Noninterest expense to average assets | 2.6202% | 1,577 |
| Loan and lease loss provision to assets | 0.0641% | 1,453 |
| Net operating income to assets | 0.9625% | 2,303 |
| Return on assets (ROA) | 0.9625% | 2,279 |
| Pretax return on assets | 1.2668% | 1,849 |
| Return on Equity (ROE) | 12.3071% | 1,579 |
| Retained earnings to average equity (ytd only) | 7.3328% | 1,869 |
| Net charge-offs to loans | -0.0575% | 4,290 |
| Credit loss provision to net charge-offs | -159.8234% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2621% | 2,611 |
| Assets per employee ($millions) | 6.8449% | 2,041 |
| Cash dividends to net income (ytd only)* | 40.4177% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,619 |
| Loan loss allowance to noncurrent loans | 515.7824% | 1,511 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 1,852 |
| Noncurrent loans to loans | 0.2780% | 2,356 |
| Net loans and leases to total assets | 70.5365% | 1,250 |
| Net loans and leases to deposits | 81.2845% | 1,293 |
| Net loans and leases to core deposits | 84.1711% | 1,441 |
| Total domestic deposits to total assets | 86.7772% | 3,017 |
| Equity capital to assets | 7.5422% | 3,442 |
| Core capital (leverage) ratio | 8.5207% | 3,940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6451% | 2,899 |
| Memoranda: | ||
| Average total assets | $2,258,474,333 | 495 |
| Average earning assets | $2,104,358,000 | 492 |
| Average equity | $176,630,000 | 596 |
| Average total loans | $1,575,768,000 | 443 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0260% | 3,177 |
| Cost of funding earning assets | 0.2078% | 2,692 |
| Net interest margin | 2.8182% | 3,084 |
| Noninterest income to average assets | 1.3488% | 408 |
| Noninterest expense to average assets | 2.6042% | 1,592 |
| Loan and lease loss provision to assets | 0.0662% | 1,235 |
| Net operating income to assets | 0.9960% | 1,892 |
| Return on assets (ROA) | 0.9960% | 1,888 |
| Pretax return on assets | 1.3103% | 1,473 |
| Return on Equity (ROE) | 12.5140% | 1,154 |
| Retained earnings to average equity (ytd only) | 9.5497% | 1,134 |
| Net charge-offs to loans | 0.0164% | 1,208 |
| Credit loss provision to net charge-offs | 585.9375% | 477 |
| Earnings coverage of net charge-offs (x) | 121.7969% | 608 |
| Efficiency ratio | 64.2223% | 2,997 |
| Assets per employee ($millions) | 6.8644% | 2,091 |
| Cash dividends to net income (ytd only)* | 23.6879% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4331% | 1,787 |
| Loan loss allowance to noncurrent loans | 359.9675% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 1,623 |
| Noncurrent loans to loans | 0.3981% | 2,067 |
| Net loans and leases to total assets | 67.7369% | 1,239 |
| Net loans and leases to deposits | 78.1822% | 1,272 |
| Net loans and leases to core deposits | 81.5417% | 1,378 |
| Total domestic deposits to total assets | 86.6399% | 3,053 |
| Equity capital to assets | 7.7393% | 3,777 |
| Core capital (leverage) ratio | 8.4094% | 3,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8990% | 2,915 |
| Memoranda: | ||
| Average total assets | $2,265,148,000 | 493 |
| Average earning assets | $2,115,409,500 | 489 |
| Average equity | $180,278,500 | 599 |
| Average total loans | $1,560,315,500 | 446 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4197% | 2,885 |
| Cost of funding earning assets | 0.2850% | 2,551 |
| Net interest margin | 3.1347% | 2,788 |
| Noninterest income to average assets | 1.3823% | 570 |
| Noninterest expense to average assets | 2.7263% | 1,561 |
| Loan and lease loss provision to assets | 0.0740% | 1,627 |
| Net operating income to assets | 1.1517% | 2,100 |
| Return on assets (ROA) | 1.1517% | 2,162 |
| Pretax return on assets | 1.5204% | 1,651 |
| Return on Equity (ROE) | 13.7028% | 1,264 |
| Retained earnings to average equity (ytd only) | 7.8039% | 1,615 |
| Net charge-offs to loans | 0.0086% | 2,257 |
| Credit loss provision to net charge-offs | 1,180.0000% | 474 |
| Earnings coverage of net charge-offs (x) | 254.3852% | 456 |
| Efficiency ratio | 61.9414% | 2,879 |
| Assets per employee ($millions) | 6.9687% | 1,948 |
| Cash dividends to net income (ytd only)* | 43.0489% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 1,953 |
| Loan loss allowance to noncurrent loans | 385.3869% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 1,831 |
| Noncurrent loans to loans | 0.3606% | 2,293 |
| Net loans and leases to total assets | 68.0841% | 1,255 |
| Net loans and leases to deposits | 79.1949% | 1,282 |
| Net loans and leases to core deposits | 82.6574% | 1,409 |
| Total domestic deposits to total assets | 85.9703% | 2,923 |
| Equity capital to assets | 8.1757% | 4,253 |
| Core capital (leverage) ratio | 8.3381% | 4,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7350% | 2,945 |
| Memoranda: | ||
| Average total assets | $2,154,056,800 | 493 |
| Average earning assets | $2,019,055,400 | 491 |
| Average equity | $181,050,800 | 600 |
| Average total loans | $1,564,434,600 | 455 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4913% | 2,858 |
| Cost of funding earning assets | 0.3040% | 2,556 |
| Net interest margin | 3.1873% | 2,766 |
| Noninterest income to average assets | 1.4294% | 592 |
| Noninterest expense to average assets | 2.7055% | 1,575 |
| Loan and lease loss provision to assets | 0.0718% | 1,597 |
| Net operating income to assets | 1.2401% | 2,020 |
| Return on assets (ROA) | 1.2402% | 2,082 |
| Pretax return on assets | 1.6389% | 1,583 |
| Return on Equity (ROE) | 14.6477% | 1,212 |
| Retained earnings to average equity (ytd only) | 6.7252% | 2,531 |
| Net charge-offs to loans | -0.0077% | 3,578 |
| Credit loss provision to net charge-offs | -1,270.0000% | 3,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1146% | 2,971 |
| Assets per employee ($millions) | 6.6069% | 2,170 |
| Cash dividends to net income (ytd only)* | 54.0869% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,972 |
| Loan loss allowance to noncurrent loans | 362.8710% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.3399% | 2,081 |
| Noncurrent loans to loans | 0.3893% | 2,398 |
| Net loans and leases to total assets | 68.2316% | 1,294 |
| Net loans and leases to deposits | 80.1745% | 1,278 |
| Net loans and leases to core deposits | 83.7662% | 1,442 |
| Total domestic deposits to total assets | 85.1038% | 3,078 |
| Equity capital to assets | 8.3118% | 4,334 |
| Core capital (leverage) ratio | 8.3346% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8907% | 2,988 |
| Memoranda: | ||
| Average total assets | $2,122,876,250 | 501 |
| Average earning assets | $1,989,311,250 | 500 |
| Average equity | $179,737,250 | 610 |
| Average total loans | $1,562,206,000 | 459 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4271% | 3,095 |
| Cost of funding earning assets | 0.3248% | 2,546 |
| Net interest margin | 3.1022% | 3,028 |
| Noninterest income to average assets | 1.5606% | 512 |
| Noninterest expense to average assets | 2.7042% | 1,583 |
| Loan and lease loss provision to assets | 0.0689% | 1,672 |
| Net operating income to assets | 1.2868% | 1,902 |
| Return on assets (ROA) | 1.2868% | 1,978 |
| Pretax return on assets | 1.7003% | 1,477 |
| Return on Equity (ROE) | 15.1014% | 1,127 |
| Retained earnings to average equity (ytd only) | 4.4558% | 3,376 |
| Net charge-offs to loans | -0.0104% | 3,680 |
| Credit loss provision to net charge-offs | -879.2683% | 3,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3031% | 3,114 |
| Assets per employee ($millions) | 6.3621% | 2,271 |
| Cash dividends to net income (ytd only)* | 70.4939% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,138 |
| Loan loss allowance to noncurrent loans | 252.4461% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 1,900 |
| Noncurrent loans to loans | 0.5400% | 2,050 |
| Net loans and leases to total assets | 71.9988% | 966 |
| Net loans and leases to deposits | 84.8020% | 1,006 |
| Net loans and leases to core deposits | 88.5632% | 1,233 |
| Total domestic deposits to total assets | 84.9023% | 3,137 |
| Equity capital to assets | 8.4083% | 4,274 |
| Core capital (leverage) ratio | 8.2667% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0158% | 2,954 |
| Memoranda: | ||
| Average total assets | $2,092,728,667 | 504 |
| Average earning assets | $1,964,835,333 | 501 |
| Average equity | $178,327,667 | 611 |
| Average total loans | $1,572,334,667 | 458 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 2,842 |
| Cost of funding earning assets | 0.3461% | 2,557 |
| Net interest margin | 3.1791% | 2,759 |
| Noninterest income to average assets | 1.9892% | 377 |
| Noninterest expense to average assets | 2.7604% | 1,466 |
| Loan and lease loss provision to assets | 0.0741% | 1,700 |
| Net operating income to assets | 1.6195% | 1,091 |
| Return on assets (ROA) | 1.6195% | 1,141 |
| Pretax return on assets | 2.1389% | 758 |
| Return on Equity (ROE) | 18.8770% | 637 |
| Retained earnings to average equity (ytd only) | 7.7262% | 2,344 |
| Net charge-offs to loans | -0.0010% | 3,051 |
| Credit loss provision to net charge-offs | -9,600.0000% | 3,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4608% | 3,736 |
| Assets per employee ($millions) | 6.4107% | 2,245 |
| Cash dividends to net income (ytd only)* | 59.0709% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 2,303 |
| Loan loss allowance to noncurrent loans | 223.2206% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 1,998 |
| Noncurrent loans to loans | 0.5952% | 2,079 |
| Net loans and leases to total assets | 72.3416% | 975 |
| Net loans and leases to deposits | 84.7916% | 1,068 |
| Net loans and leases to core deposits | 89.0954% | 1,281 |
| Total domestic deposits to total assets | 85.3168% | 2,993 |
| Equity capital to assets | 8.3791% | 4,213 |
| Core capital (leverage) ratio | 8.5844% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0688% | 2,921 |
| Memoranda: | ||
| Average total assets | $2,073,443,000 | 504 |
| Average earning assets | $1,946,345,000 | 495 |
| Average equity | $177,888,500 | 604 |
| Average total loans | $1,580,642,500 | 457 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9900% | 2,761 |
| Cost of funding earning assets | 0.6267% | 2,141 |
| Net interest margin | 3.3633% | 2,889 |
| Noninterest income to average assets | 1.7705% | 403 |
| Noninterest expense to average assets | 3.0551% | 1,316 |
| Loan and lease loss provision to assets | 0.2185% | 1,793 |
| Net operating income to assets | 1.2516% | 1,378 |
| Return on assets (ROA) | 1.2535% | 1,483 |
| Pretax return on assets | 1.6452% | 968 |
| Return on Equity (ROE) | 13.7812% | 869 |
| Retained earnings to average equity (ytd only) | 5.4065% | 2,092 |
| Net charge-offs to loans | 0.0658% | 1,842 |
| Credit loss provision to net charge-offs | 401.9569% | 1,426 |
| Earnings coverage of net charge-offs (x) | 34.2387% | 1,497 |
| Efficiency ratio | 60.9763% | 3,321 |
| Assets per employee ($millions) | 5.9707% | 2,357 |
| Cash dividends to net income (ytd only)* | 60.7688% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,521 |
| Loan loss allowance to noncurrent loans | 160.2655% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6632% | 1,576 |
| Noncurrent loans to loans | 0.7977% | 1,746 |
| Net loans and leases to total assets | 78.3136% | 576 |
| Net loans and leases to deposits | 93.5526% | 684 |
| Net loans and leases to core deposits | 98.9684% | 957 |
| Total domestic deposits to total assets | 83.7108% | 3,201 |
| Equity capital to assets | 8.7918% | 4,228 |
| Core capital (leverage) ratio | 8.4839% | 4,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6649% | 2,995 |
| Memoranda: | ||
| Average total assets | $1,880,108,600 | 503 |
| Average earning assets | $1,758,469,400 | 499 |
| Average equity | $171,016,000 | 595 |
| Average total loans | $1,554,281,400 | 433 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9835% | 3,020 |
| Cost of funding earning assets | 0.6927% | 2,066 |
| Net interest margin | 3.2908% | 3,223 |
| Noninterest income to average assets | 1.5774% | 479 |
| Noninterest expense to average assets | 2.9913% | 1,460 |
| Loan and lease loss provision to assets | 0.1882% | 2,100 |
| Net operating income to assets | 1.1250% | 1,897 |
| Return on assets (ROA) | 1.1276% | 2,013 |
| Pretax return on assets | 1.4787% | 1,492 |
| Return on Equity (ROE) | 12.2852% | 1,302 |
| Retained earnings to average equity (ytd only) | 4.7546% | 2,669 |
| Net charge-offs to loans | 0.0079% | 2,838 |
| Credit loss provision to net charge-offs | 2,864.8352% | 360 |
| Earnings coverage of net charge-offs (x) | 253.2527% | 404 |
| Efficiency ratio | 63.0090% | 2,914 |
| Assets per employee ($millions) | 6.0775% | 2,204 |
| Cash dividends to net income (ytd only)* | 61.2982% | 1,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,719 |
| Loan loss allowance to noncurrent loans | 182.9291% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 1,947 |
| Noncurrent loans to loans | 0.6505% | 2,164 |
| Net loans and leases to total assets | 82.8777% | 373 |
| Net loans and leases to deposits | 100.0163% | 531 |
| Net loans and leases to core deposits | 106.7078% | 822 |
| Total domestic deposits to total assets | 82.8642% | 3,178 |
| Equity capital to assets | 8.7448% | 4,298 |
| Core capital (leverage) ratio | 8.5003% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4875% | 3,038 |
| Memoranda: | ||
| Average total assets | $1,847,105,750 | 503 |
| Average earning assets | $1,727,315,000 | 498 |
| Average equity | $169,544,500 | 590 |
| Average total loans | $1,543,809,500 | 436 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 3,147 |
| Cost of funding earning assets | 0.7678% | 2,006 |
| Net interest margin | 3.2964% | 3,396 |
| Noninterest income to average assets | 1.0926% | 832 |
| Noninterest expense to average assets | 2.8748% | 1,897 |
| Loan and lease loss provision to assets | 0.1230% | 2,800 |
| Net operating income to assets | 0.8965% | 2,699 |
| Return on assets (ROA) | 0.9006% | 2,811 |
| Pretax return on assets | 1.1783% | 2,436 |
| Return on Equity (ROE) | 9.6437% | 2,098 |
| Retained earnings to average equity (ytd only) | 3.8209% | 3,000 |
| Net charge-offs to loans | 0.0118% | 2,537 |
| Credit loss provision to net charge-offs | 1,243.8202% | 688 |
| Earnings coverage of net charge-offs (x) | 131.0899% | 583 |
| Efficiency ratio | 67.4897% | 2,307 |
| Assets per employee ($millions) | 6.1575% | 2,055 |
| Cash dividends to net income (ytd only)* | 60.3799% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 3,141 |
| Loan loss allowance to noncurrent loans | 302.6407% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 2,794 |
| Noncurrent loans to loans | 0.3592% | 3,112 |
| Net loans and leases to total assets | 84.6719% | 208 |
| Net loans and leases to deposits | 101.6000% | 461 |
| Net loans and leases to core deposits | 109.3913% | 762 |
| Total domestic deposits to total assets | 83.3384% | 2,978 |
| Equity capital to assets | 8.6806% | 4,367 |
| Core capital (leverage) ratio | 8.5095% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3732% | 3,109 |
| Memoranda: | ||
| Average total assets | $1,800,362,667 | 509 |
| Average earning assets | $1,681,210,000 | 502 |
| Average equity | $168,130,000 | 594 |
| Average total loans | $1,502,781,667 | 435 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 2,824 |
| Cost of funding earning assets | 0.8578% | 2,071 |
| Net interest margin | 3.4729% | 3,072 |
| Noninterest income to average assets | 0.5587% | 2,235 |
| Noninterest expense to average assets | 2.7677% | 2,521 |
| Loan and lease loss provision to assets | 0.1049% | 2,372 |
| Net operating income to assets | 0.7037% | 3,260 |
| Return on assets (ROA) | 0.7087% | 3,326 |
| Pretax return on assets | 0.9279% | 3,062 |
| Return on Equity (ROE) | 7.2933% | 2,834 |
| Retained earnings to average equity (ytd only) | 0.2856% | 3,923 |
| Net charge-offs to loans | -0.0065% | 3,933 |
| Credit loss provision to net charge-offs | -1,956.5217% | 3,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2863% | 2,180 |
| Assets per employee ($millions) | 5.6190% | 2,007 |
| Cash dividends to net income (ytd only)* | 96.0842% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 2,403 |
| Loan loss allowance to noncurrent loans | 397.2315% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 3,044 |
| Noncurrent loans to loans | 0.3142% | 3,370 |
| Net loans and leases to total assets | 80.8108% | 594 |
| Net loans and leases to deposits | 97.0791% | 813 |
| Net loans and leases to core deposits | 103.4024% | 1,222 |
| Total domestic deposits to total assets | 83.2422% | 3,028 |
| Equity capital to assets | 9.6113% | 4,124 |
| Core capital (leverage) ratio | 9.5994% | 3,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3770% | 3,254 |
| Memoranda: | ||
| Average total assets | $1,715,352,000 | 522 |
| Average earning assets | $1,598,077,000 | 509 |
| Average equity | $166,674,000 | 593 |
| Average total loans | $1,410,823,500 | 449 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 2,473 |
| Cost of funding earning assets | 0.9472% | 1,974 |
| Net interest margin | 3.7006% | 2,816 |
| Noninterest income to average assets | 1.0551% | 851 |
| Noninterest expense to average assets | 2.8683% | 2,383 |
| Loan and lease loss provision to assets | 0.1259% | 1,690 |
| Net operating income to assets | 1.4775% | 1,109 |
| Return on assets (ROA) | 1.4784% | 1,161 |
| Pretax return on assets | 1.5125% | 1,768 |
| Return on Equity (ROE) | 15.1745% | 656 |
| Retained earnings to average equity (ytd only) | 5.4990% | 2,164 |
| Net charge-offs to loans | 0.1648% | 1,224 |
| Credit loss provision to net charge-offs | 92.0177% | 2,626 |
| Earnings coverage of net charge-offs (x) | 11.9645% | 2,451 |
| Efficiency ratio | 62.2053% | 3,343 |
| Assets per employee ($millions) | 5.6482% | 1,926 |
| Cash dividends to net income (ytd only)* | 63.7614% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,227 |
| Loan loss allowance to noncurrent loans | 472.0360% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3126% | 3,170 |
| Noncurrent loans to loans | 0.2628% | 3,502 |
| Net loans and leases to total assets | 81.6491% | 592 |
| Net loans and leases to deposits | 97.2934% | 817 |
| Net loans and leases to core deposits | 106.0613% | 1,105 |
| Total domestic deposits to total assets | 83.9205% | 2,867 |
| Equity capital to assets | 9.8252% | 4,082 |
| Core capital (leverage) ratio | 9.6168% | 3,942 |
| Tier 1 risk-based capital ratio | 10.5893% | 4,993 |
| Total risk-based capital ratio | 11.7283% | 4,953 |
| Memoranda: | ||
| Average total assets | $1,647,579,200 | 516 |
| Average earning assets | $1,536,390,800 | 500 |
| Average equity | $160,519,400 | 585 |
| Average total loans | $1,367,961,400 | 438 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 2,482 |
| Cost of funding earning assets | 0.9384% | 2,050 |
| Net interest margin | 3.7406% | 2,786 |
| Noninterest income to average assets | 0.9408% | 1,059 |
| Noninterest expense to average assets | 2.8174% | 2,521 |
| Loan and lease loss provision to assets | 0.0672% | 2,541 |
| Net operating income to assets | 1.6233% | 880 |
| Return on assets (ROA) | 1.6244% | 917 |
| Pretax return on assets | 1.5519% | 1,808 |
| Return on Equity (ROE) | 16.7091% | 518 |
| Retained earnings to average equity (ytd only) | 6.1510% | 2,298 |
| Net charge-offs to loans | 0.1667% | 1,011 |
| Credit loss provision to net charge-offs | 48.5009% | 2,802 |
| Earnings coverage of net charge-offs (x) | 11.6808% | 2,424 |
| Efficiency ratio | 62.0369% | 3,318 |
| Assets per employee ($millions) | 5.5930% | 1,945 |
| Cash dividends to net income (ytd only)* | 63.1874% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 2,537 |
| Loan loss allowance to noncurrent loans | 295.1527% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 3,115 |
| Noncurrent loans to loans | 0.4049% | 3,095 |
| Net loans and leases to total assets | 82.4548% | 510 |
| Net loans and leases to deposits | 98.5680% | 762 |
| Net loans and leases to core deposits | 109.2113% | 984 |
| Total domestic deposits to total assets | 83.6527% | 2,952 |
| Equity capital to assets | 9.8701% | 4,141 |
| Core capital (leverage) ratio | 9.6544% | 4,018 |
| Tier 1 risk-based capital ratio | 10.5710% | 5,055 |
| Total risk-based capital ratio | 11.6744% | 5,024 |
| Memoranda: | ||
| Average total assets | $1,637,270,500 | 520 |
| Average earning assets | $1,529,586,500 | 502 |
| Average equity | $159,166,750 | 588 |
| Average total loans | $1,360,896,750 | 442 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6528% | 2,509 |
| Cost of funding earning assets | 0.9140% | 2,080 |
| Net interest margin | 3.7388% | 2,797 |
| Noninterest income to average assets | 0.8698% | 1,156 |
| Noninterest expense to average assets | 2.8000% | 2,588 |
| Loan and lease loss provision to assets | 0.0645% | 2,525 |
| Net operating income to assets | 1.4407% | 1,322 |
| Return on assets (ROA) | 1.4400% | 1,369 |
| Pretax return on assets | 1.5044% | 1,847 |
| Return on Equity (ROE) | 14.8907% | 782 |
| Retained earnings to average equity (ytd only) | 5.4045% | 2,575 |
| Net charge-offs to loans | 0.1384% | 1,101 |
| Credit loss provision to net charge-offs | 56.1497% | 2,429 |
| Earnings coverage of net charge-offs (x) | 13.6610% | 2,083 |
| Efficiency ratio | 62.5643% | 3,344 |
| Assets per employee ($millions) | 5.5197% | 1,950 |
| Cash dividends to net income (ytd only)* | 63.7054% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 2,344 |
| Loan loss allowance to noncurrent loans | 330.3499% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 3,245 |
| Noncurrent loans to loans | 0.3733% | 3,187 |
| Net loans and leases to total assets | 82.9327% | 482 |
| Net loans and leases to deposits | 99.4894% | 712 |
| Net loans and leases to core deposits | 110.7980% | 935 |
| Total domestic deposits to total assets | 83.3584% | 3,089 |
| Equity capital to assets | 9.7670% | 4,174 |
| Core capital (leverage) ratio | 9.5699% | 4,080 |
| Tier 1 risk-based capital ratio | 10.3471% | 5,158 |
| Total risk-based capital ratio | 11.4813% | 5,114 |
| Memoranda: | ||
| Average total assets | $1,627,454,330 | 522 |
| Average earning assets | $1,523,422,670 | 502 |
| Average equity | $157,386,670 | 590 |
| Average total loans | $1,350,891,670 | 445 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 2,439 |
| Cost of funding earning assets | 0.8752% | 2,125 |
| Net interest margin | 3.7535% | 2,698 |
| Noninterest income to average assets | 0.8364% | 1,200 |
| Noninterest expense to average assets | 2.7654% | 2,691 |
| Loan and lease loss provision to assets | 0.0557% | 2,554 |
| Net operating income to assets | 1.4594% | 1,204 |
| Return on assets (ROA) | 1.4594% | 1,234 |
| Pretax return on assets | 1.5248% | 1,691 |
| Return on Equity (ROE) | 15.1683% | 718 |
| Retained earnings to average equity (ytd only) | 6.6374% | 2,185 |
| Net charge-offs to loans | -0.0129% | 4,326 |
| Credit loss provision to net charge-offs | -523.2558% | 3,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0949% | 3,522 |
| Assets per employee ($millions) | 5.4910% | 1,990 |
| Cash dividends to net income (ytd only)* | 56.2415% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3162% | 2,012 |
| Loan loss allowance to noncurrent loans | 478.6369% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2307% | 3,698 |
| Noncurrent loans to loans | 0.2750% | 3,582 |
| Net loans and leases to total assets | 81.9570% | 590 |
| Net loans and leases to deposits | 99.9639% | 638 |
| Net loans and leases to core deposits | 107.2327% | 1,088 |
| Total domestic deposits to total assets | 81.9866% | 3,732 |
| Equity capital to assets | 9.7123% | 4,083 |
| Core capital (leverage) ratio | 9.6044% | 4,018 |
| Tier 1 risk-based capital ratio | 10.5004% | 5,175 |
| Total risk-based capital ratio | 11.7121% | 5,097 |
| Memoranda: | ||
| Average total assets | $1,615,980,000 | 526 |
| Average earning assets | $1,510,919,500 | 510 |
| Average equity | $155,482,500 | 588 |
| Average total loans | $1,333,431,000 | 450 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 2,847 |
| Cost of funding earning assets | 0.6330% | 2,504 |
| Net interest margin | 3.7415% | 2,897 |
| Noninterest income to average assets | 1.0013% | 937 |
| Noninterest expense to average assets | 2.9094% | 2,316 |
| Loan and lease loss provision to assets | 0.0479% | 3,222 |
| Net operating income to assets | 1.4729% | 1,197 |
| Return on assets (ROA) | 1.4729% | 1,189 |
| Pretax return on assets | 1.5433% | 1,645 |
| Return on Equity (ROE) | 15.4314% | 737 |
| Retained earnings to average equity (ytd only) | 5.0878% | 2,718 |
| Net charge-offs to loans | -0.0534% | 4,994 |
| Credit loss provision to net charge-offs | -110.7829% | 4,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1154% | 3,322 |
| Assets per employee ($millions) | 5.4095% | 2,051 |
| Cash dividends to net income (ytd only)* | 67.0297% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 1,911 |
| Loan loss allowance to noncurrent loans | 409.6208% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 3,520 |
| Noncurrent loans to loans | 0.3244% | 3,392 |
| Net loans and leases to total assets | 80.8851% | 818 |
| Net loans and leases to deposits | 98.5881% | 844 |
| Net loans and leases to core deposits | 103.2512% | 1,483 |
| Total domestic deposits to total assets | 82.0435% | 3,631 |
| Equity capital to assets | 9.5298% | 4,103 |
| Core capital (leverage) ratio | 9.6342% | 3,965 |
| Tier 1 risk-based capital ratio | 10.4590% | 5,196 |
| Total risk-based capital ratio | 11.6701% | 5,119 |
| Memoranda: | ||
| Average total assets | $1,564,614,200 | 527 |
| Average earning assets | $1,463,331,000 | 515 |
| Average equity | $149,338,000 | 575 |
| Average total loans | $1,268,599,200 | 457 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3099% | 2,927 |
| Cost of funding earning assets | 0.5914% | 2,533 |
| Net interest margin | 3.7185% | 2,948 |
| Noninterest income to average assets | 1.0792% | 810 |
| Noninterest expense to average assets | 2.9084% | 2,281 |
| Loan and lease loss provision to assets | 0.0429% | 3,132 |
| Net operating income to assets | 1.5373% | 1,103 |
| Return on assets (ROA) | 1.5373% | 1,101 |
| Pretax return on assets | 1.6105% | 1,551 |
| Return on Equity (ROE) | 16.0998% | 681 |
| Retained earnings to average equity (ytd only) | 5.9344% | 2,689 |
| Net charge-offs to loans | -0.0068% | 4,299 |
| Credit loss provision to net charge-offs | -781.2500% | 4,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2365% | 3,471 |
| Assets per employee ($millions) | 5.1914% | 2,228 |
| Cash dividends to net income (ytd only)* | 63.1397% | 1,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3031% | 2,082 |
| Loan loss allowance to noncurrent loans | 370.1825% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3406% | 3,310 |
| Noncurrent loans to loans | 0.3520% | 3,396 |
| Net loans and leases to total assets | 80.3660% | 961 |
| Net loans and leases to deposits | 97.2850% | 1,017 |
| Net loans and leases to core deposits | 102.7415% | 1,544 |
| Total domestic deposits to total assets | 82.6089% | 3,428 |
| Equity capital to assets | 9.5938% | 4,000 |
| Core capital (leverage) ratio | 9.6679% | 3,976 |
| Tier 1 risk-based capital ratio | 10.6306% | 5,198 |
| Total risk-based capital ratio | 11.8108% | 5,139 |
| Memoranda: | ||
| Average total assets | $1,554,112,000 | 524 |
| Average earning assets | $1,455,522,000 | 512 |
| Average equity | $148,395,500 | 573 |
| Average total loans | $1,256,494,750 | 458 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 3,001 |
| Cost of funding earning assets | 0.5606% | 2,511 |
| Net interest margin | 3.6731% | 3,030 |
| Noninterest income to average assets | 1.0746% | 833 |
| Noninterest expense to average assets | 2.9367% | 2,244 |
| Loan and lease loss provision to assets | 0.0387% | 3,134 |
| Net operating income to assets | 1.4715% | 1,223 |
| Return on assets (ROA) | 1.4715% | 1,223 |
| Pretax return on assets | 1.5417% | 1,678 |
| Return on Equity (ROE) | 15.4356% | 769 |
| Retained earnings to average equity (ytd only) | 5.7540% | 2,697 |
| Net charge-offs to loans | 0.0058% | 2,948 |
| Credit loss provision to net charge-offs | 833.3333% | 479 |
| Earnings coverage of net charge-offs (x) | 340.1389% | 269 |
| Efficiency ratio | 63.4751% | 3,389 |
| Assets per employee ($millions) | 5.1597% | 2,236 |
| Cash dividends to net income (ytd only)* | 62.7226% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,246 |
| Loan loss allowance to noncurrent loans | 538.4311% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1934% | 4,020 |
| Noncurrent loans to loans | 0.2385% | 3,852 |
| Net loans and leases to total assets | 80.0703% | 1,007 |
| Net loans and leases to deposits | 96.3600% | 1,105 |
| Net loans and leases to core deposits | 100.9179% | 1,656 |
| Total domestic deposits to total assets | 83.0949% | 3,385 |
| Equity capital to assets | 9.4888% | 4,117 |
| Core capital (leverage) ratio | 9.5591% | 4,049 |
| Tier 1 risk-based capital ratio | 10.4681% | 5,282 |
| Total risk-based capital ratio | 11.6296% | 5,226 |
| Memoranda: | ||
| Average total assets | $1,549,549,670 | 526 |
| Average earning assets | $1,452,303,330 | 512 |
| Average equity | $147,723,670 | 572 |
| Average total loans | $1,249,788,330 | 456 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1430% | 3,081 |
| Cost of funding earning assets | 0.5410% | 2,471 |
| Net interest margin | 3.6020% | 3,173 |
| Noninterest income to average assets | 1.1228% | 740 |
| Noninterest expense to average assets | 2.9345% | 2,244 |
| Loan and lease loss provision to assets | 0.0390% | 2,970 |
| Net operating income to assets | 1.4568% | 1,179 |
| Return on assets (ROA) | 1.4568% | 1,183 |
| Pretax return on assets | 1.5264% | 1,608 |
| Return on Equity (ROE) | 15.2452% | 764 |
| Retained earnings to average equity (ytd only) | 6.5014% | 2,499 |
| Net charge-offs to loans | 0.0262% | 1,975 |
| Credit loss provision to net charge-offs | 185.1852% | 1,095 |
| Earnings coverage of net charge-offs (x) | 74.4074% | 739 |
| Efficiency ratio | 63.6537% | 3,534 |
| Assets per employee ($millions) | 4.9951% | 2,502 |
| Cash dividends to net income (ytd only)* | 57.3543% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2990% | 2,253 |
| Loan loss allowance to noncurrent loans | 602.5009% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,863 |
| Noncurrent loans to loans | 0.2156% | 4,007 |
| Net loans and leases to total assets | 79.7147% | 975 |
| Net loans and leases to deposits | 94.2859% | 1,202 |
| Net loans and leases to core deposits | 98.8614% | 1,778 |
| Total domestic deposits to total assets | 84.5457% | 3,102 |
| Equity capital to assets | 9.5835% | 4,010 |
| Core capital (leverage) ratio | 9.5047% | 4,062 |
| Tier 1 risk-based capital ratio | 10.6975% | 5,285 |
| Total risk-based capital ratio | 11.8874% | 5,206 |
| Memoranda: | ||
| Average total assets | $1,540,048,500 | 534 |
| Average earning assets | $1,443,883,500 | 519 |
| Average equity | $147,167,500 | 576 |
| Average total loans | $1,238,542,500 | 467 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9485% | 3,576 |
| Cost of funding earning assets | 0.4495% | 2,783 |
| Net interest margin | 3.4990% | 3,533 |
| Noninterest income to average assets | 1.2575% | 672 |
| Noninterest expense to average assets | 2.9675% | 2,255 |
| Loan and lease loss provision to assets | 0.0268% | 3,758 |
| Net operating income to assets | 1.4640% | 878 |
| Return on assets (ROA) | 1.4639% | 887 |
| Pretax return on assets | 1.5339% | 1,507 |
| Return on Equity (ROE) | 15.1437% | 590 |
| Retained earnings to average equity (ytd only) | 4.7414% | 2,294 |
| Net charge-offs to loans | 0.0845% | 2,251 |
| Credit loss provision to net charge-offs | 39.6432% | 3,442 |
| Earnings coverage of net charge-offs (x) | 23.0912% | 1,823 |
| Efficiency ratio | 63.4229% | 3,688 |
| Assets per employee ($millions) | 5.0215% | 2,452 |
| Cash dividends to net income (ytd only)* | 68.6908% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3019% | 2,209 |
| Loan loss allowance to noncurrent loans | 439.6061% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 3,957 |
| Noncurrent loans to loans | 0.2961% | 3,719 |
| Net loans and leases to total assets | 79.0389% | 1,112 |
| Net loans and leases to deposits | 94.3321% | 1,237 |
| Net loans and leases to core deposits | 98.3931% | 1,836 |
| Total domestic deposits to total assets | 83.7880% | 3,284 |
| Equity capital to assets | 9.5286% | 4,210 |
| Core capital (leverage) ratio | 9.4925% | 4,063 |
| Tier 1 risk-based capital ratio | 10.6914% | 5,301 |
| Total risk-based capital ratio | 11.8948% | 5,212 |
| Memoranda: | ||
| Average total assets | $1,492,772,600 | 520 |
| Average earning assets | $1,395,408,200 | 507 |
| Average equity | $144,304,400 | 560 |
| Average total loans | $1,194,351,400 | 457 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9252% | 3,604 |
| Cost of funding earning assets | 0.4369% | 2,842 |
| Net interest margin | 3.4884% | 3,543 |
| Noninterest income to average assets | 1.2835% | 647 |
| Noninterest expense to average assets | 2.9649% | 2,203 |
| Loan and lease loss provision to assets | 0.0270% | 3,589 |
| Net operating income to assets | 1.4811% | 930 |
| Return on assets (ROA) | 1.4810% | 950 |
| Pretax return on assets | 1.5519% | 1,575 |
| Return on Equity (ROE) | 15.2638% | 622 |
| Retained earnings to average equity (ytd only) | 4.5886% | 3,151 |
| Net charge-offs to loans | 0.0068% | 3,489 |
| Credit loss provision to net charge-offs | 500.0000% | 627 |
| Earnings coverage of net charge-offs (x) | 292.2260% | 311 |
| Efficiency ratio | 62.9573% | 3,718 |
| Assets per employee ($millions) | 4.8420% | 2,642 |
| Cash dividends to net income (ytd only)* | 69.9380% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4474% | 1,708 |
| Loan loss allowance to noncurrent loans | 879.9272% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.1281% | 4,600 |
| Noncurrent loans to loans | 0.1645% | 4,406 |
| Net loans and leases to total assets | 76.7571% | 1,458 |
| Net loans and leases to deposits | 90.4195% | 1,756 |
| Net loans and leases to core deposits | 94.2197% | 2,258 |
| Total domestic deposits to total assets | 84.8900% | 2,753 |
| Equity capital to assets | 9.7806% | 4,166 |
| Core capital (leverage) ratio | 9.4793% | 4,193 |
| Tier 1 risk-based capital ratio | 11.0982% | 5,190 |
| Total risk-based capital ratio | 12.3493% | 5,082 |
| Memoranda: | ||
| Average total assets | $1,480,563,250 | 525 |
| Average earning assets | $1,383,803,500 | 511 |
| Average equity | $143,657,000 | 567 |
| Average total loans | $1,184,303,250 | 464 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8813% | 3,622 |
| Cost of funding earning assets | 0.4203% | 2,888 |
| Net interest margin | 3.4610% | 3,542 |
| Noninterest income to average assets | 1.3906% | 553 |
| Noninterest expense to average assets | 2.9960% | 2,122 |
| Loan and lease loss provision to assets | 0.0271% | 3,456 |
| Net operating income to assets | 1.5270% | 821 |
| Return on assets (ROA) | 1.5269% | 843 |
| Pretax return on assets | 1.5999% | 1,345 |
| Return on Equity (ROE) | 15.7791% | 559 |
| Retained earnings to average equity (ytd only) | 4.3336% | 3,126 |
| Net charge-offs to loans | 0.0059% | 3,252 |
| Credit loss provision to net charge-offs | 571.4286% | 592 |
| Earnings coverage of net charge-offs (x) | 342.5714% | 248 |
| Efficiency ratio | 62.5415% | 3,900 |
| Assets per employee ($millions) | 4.9131% | 2,494 |
| Cash dividends to net income (ytd only)* | 72.5358% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,872 |
| Loan loss allowance to noncurrent loans | 1,542.6740% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 4,873 |
| Noncurrent loans to loans | 0.0919% | 4,757 |
| Net loans and leases to total assets | 78.6918% | 1,137 |
| Net loans and leases to deposits | 92.7206% | 1,400 |
| Net loans and leases to core deposits | 96.6608% | 1,914 |
| Total domestic deposits to total assets | 84.8698% | 2,860 |
| Equity capital to assets | 9.7399% | 4,186 |
| Core capital (leverage) ratio | 9.4324% | 4,198 |
| Tier 1 risk-based capital ratio | 10.7858% | 5,347 |
| Total risk-based capital ratio | 12.0365% | 5,273 |
| Memoranda: | ||
| Average total assets | $1,473,744,330 | 530 |
| Average earning assets | $1,376,489,670 | 514 |
| Average equity | $142,606,330 | 573 |
| Average total loans | $1,189,384,000 | 465 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8154% | 3,713 |
| Cost of funding earning assets | 0.4038% | 2,961 |
| Net interest margin | 3.4117% | 3,617 |
| Noninterest income to average assets | 1.0233% | 958 |
| Noninterest expense to average assets | 2.9678% | 2,253 |
| Loan and lease loss provision to assets | 0.0273% | 3,219 |
| Net operating income to assets | 1.1550% | 1,644 |
| Return on assets (ROA) | 1.1550% | 1,680 |
| Pretax return on assets | 1.2115% | 2,547 |
| Return on Equity (ROE) | 11.9763% | 1,244 |
| Retained earnings to average equity (ytd only) | 1.8923% | 4,367 |
| Net charge-offs to loans | -0.0047% | 4,164 |
| Credit loss provision to net charge-offs | -714.2857% | 4,333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0480% | 3,188 |
| Assets per employee ($millions) | 4.7467% | 2,771 |
| Cash dividends to net income (ytd only)* | 84.1993% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4250% | 1,970 |
| Loan loss allowance to noncurrent loans | 1,959.7433% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 4,991 |
| Noncurrent loans to loans | 0.0727% | 4,909 |
| Net loans and leases to total assets | 78.4461% | 1,067 |
| Net loans and leases to deposits | 92.3727% | 1,288 |
| Net loans and leases to core deposits | 96.0433% | 1,817 |
| Total domestic deposits to total assets | 84.9235% | 3,118 |
| Equity capital to assets | 9.5890% | 4,194 |
| Core capital (leverage) ratio | 9.4306% | 4,200 |
| Tier 1 risk-based capital ratio | 10.8881% | 5,370 |
| Total risk-based capital ratio | 12.1393% | 5,292 |
| Memoranda: | ||
| Average total assets | $1,466,288,500 | 533 |
| Average earning assets | $1,368,122,500 | 515 |
| Average equity | $141,413,000 | 571 |
| Average total loans | $1,189,928,000 | 467 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8527% | 3,730 |
| Cost of funding earning assets | 0.3810% | 3,192 |
| Net interest margin | 3.4717% | 3,539 |
| Noninterest income to average assets | 1.3222% | 653 |
| Noninterest expense to average assets | 3.1182% | 1,980 |
| Loan and lease loss provision to assets | 0.0596% | 3,195 |
| Net operating income to assets | 1.3324% | 1,135 |
| Return on assets (ROA) | 1.3324% | 1,190 |
| Pretax return on assets | 1.3957% | 1,956 |
| Return on Equity (ROE) | 13.8048% | 806 |
| Retained earnings to average equity (ytd only) | 5.5726% | 1,970 |
| Net charge-offs to loans | 0.0121% | 3,863 |
| Credit loss provision to net charge-offs | 590.2778% | 581 |
| Earnings coverage of net charge-offs (x) | 144.2431% | 441 |
| Efficiency ratio | 65.8170% | 3,620 |
| Assets per employee ($millions) | 4.6826% | 2,815 |
| Cash dividends to net income (ytd only)* | 59.6330% | 1,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 2,131 |
| Loan loss allowance to noncurrent loans | 1,492.0394% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 4,962 |
| Noncurrent loans to loans | 0.0931% | 4,868 |
| Net loans and leases to total assets | 81.6073% | 652 |
| Net loans and leases to deposits | 97.4050% | 873 |
| Net loans and leases to core deposits | 101.6207% | 1,477 |
| Total domestic deposits to total assets | 83.7814% | 3,510 |
| Equity capital to assets | 9.7007% | 4,070 |
| Core capital (leverage) ratio | 9.5027% | 4,079 |
| Tier 1 risk-based capital ratio | 10.6160% | 5,518 |
| Total risk-based capital ratio | 11.8667% | 5,439 |
| Memoranda: | ||
| Average total assets | $1,427,345,000 | 526 |
| Average earning assets | $1,336,664,800 | 513 |
| Average equity | $137,763,400 | 576 |
| Average total loans | $1,189,924,000 | 444 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8562% | 3,748 |
| Cost of funding earning assets | 0.3772% | 3,256 |
| Net interest margin | 3.4791% | 3,545 |
| Noninterest income to average assets | 1.1959% | 807 |
| Noninterest expense to average assets | 3.1066% | 2,011 |
| Loan and lease loss provision to assets | 0.0657% | 2,912 |
| Net operating income to assets | 1.2268% | 1,530 |
| Return on assets (ROA) | 1.2268% | 1,631 |
| Pretax return on assets | 1.2869% | 2,480 |
| Return on Equity (ROE) | 12.7267% | 1,121 |
| Retained earnings to average equity (ytd only) | 4.8407% | 2,934 |
| Net charge-offs to loans | -0.0058% | 4,650 |
| Credit loss provision to net charge-offs | -1,346.1538% | 5,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2340% | 3,376 |
| Assets per employee ($millions) | 4.4833% | 3,115 |
| Cash dividends to net income (ytd only)* | 61.9638% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 2,099 |
| Loan loss allowance to noncurrent loans | 765.5378% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 4,781 |
| Noncurrent loans to loans | 0.1857% | 4,603 |
| Net loans and leases to total assets | 81.8918% | 639 |
| Net loans and leases to deposits | 96.8330% | 968 |
| Net loans and leases to core deposits | 101.0796% | 1,546 |
| Total domestic deposits to total assets | 84.5702% | 3,003 |
| Equity capital to assets | 9.8879% | 4,259 |
| Core capital (leverage) ratio | 9.4323% | 4,284 |
| Tier 1 risk-based capital ratio | 10.6576% | 5,543 |
| Total risk-based capital ratio | 11.9088% | 5,459 |
| Memoranda: | ||
| Average total assets | $1,421,279,500 | 529 |
| Average earning assets | $1,333,116,000 | 520 |
| Average equity | $137,000,250 | 578 |
| Average total loans | $1,187,080,500 | 446 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 3,823 |
| Cost of funding earning assets | 0.3754% | 3,298 |
| Net interest margin | 3.4610% | 3,640 |
| Noninterest income to average assets | 1.0455% | 1,025 |
| Noninterest expense to average assets | 3.0576% | 2,179 |
| Loan and lease loss provision to assets | 0.0773% | 2,594 |
| Net operating income to assets | 1.1025% | 1,948 |
| Return on assets (ROA) | 1.1025% | 2,074 |
| Pretax return on assets | 1.1572% | 2,952 |
| Return on Equity (ROE) | 11.5362% | 1,465 |
| Retained earnings to average equity (ytd only) | 4.0096% | 3,353 |
| Net charge-offs to loans | -0.0027% | 4,407 |
| Credit loss provision to net charge-offs | -3,437.5000% | 5,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7136% | 3,213 |
| Assets per employee ($millions) | 4.5144% | 2,994 |
| Cash dividends to net income (ytd only)* | 65.2429% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 2,260 |
| Loan loss allowance to noncurrent loans | 700.2964% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 4,763 |
| Noncurrent loans to loans | 0.2010% | 4,637 |
| Net loans and leases to total assets | 82.0069% | 628 |
| Net loans and leases to deposits | 96.9206% | 974 |
| Net loans and leases to core deposits | 101.8108% | 1,485 |
| Total domestic deposits to total assets | 84.6125% | 3,043 |
| Equity capital to assets | 9.7776% | 4,476 |
| Core capital (leverage) ratio | 9.2067% | 4,585 |
| Tier 1 risk-based capital ratio | 10.4482% | 5,691 |
| Total risk-based capital ratio | 11.6992% | 5,613 |
| Memoranda: | ||
| Average total assets | $1,422,798,670 | 531 |
| Average earning assets | $1,334,633,670 | 519 |
| Average equity | $135,972,330 | 581 |
| Average total loans | $1,190,472,000 | 443 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 3,736 |
| Cost of funding earning assets | 0.3723% | 3,373 |
| Net interest margin | 3.4871% | 3,520 |
| Noninterest income to average assets | 0.7565% | 1,792 |
| Noninterest expense to average assets | 3.0471% | 2,252 |
| Loan and lease loss provision to assets | 0.0841% | 2,268 |
| Net operating income to assets | 0.8520% | 2,986 |
| Return on assets (ROA) | 0.8520% | 3,112 |
| Pretax return on assets | 0.8954% | 3,859 |
| Return on Equity (ROE) | 9.0184% | 2,417 |
| Retained earnings to average equity (ytd only) | 1.7023% | 4,590 |
| Net charge-offs to loans | 0.0040% | 2,985 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 291.3333% | 205 |
| Efficiency ratio | 72.9891% | 2,641 |
| Assets per employee ($millions) | 4.5247% | 3,025 |
| Cash dividends to net income (ytd only)* | 81.1246% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 2,638 |
| Loan loss allowance to noncurrent loans | 754.9675% | 724 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 4,856 |
| Noncurrent loans to loans | 0.1793% | 4,765 |
| Net loans and leases to total assets | 82.6406% | 487 |
| Net loans and leases to deposits | 96.5485% | 888 |
| Net loans and leases to core deposits | 101.9137% | 1,347 |
| Total domestic deposits to total assets | 85.5949% | 2,866 |
| Equity capital to assets | 9.4422% | 4,726 |
| Core capital (leverage) ratio | 9.1246% | 4,701 |
| Tier 1 risk-based capital ratio | 10.0720% | 5,895 |
| Total risk-based capital ratio | 11.3225% | 5,831 |
| Memoranda: | ||
| Average total assets | $1,427,697,000 | 530 |
| Average earning assets | $1,338,885,000 | 518 |
| Average equity | $134,880,000 | 585 |
| Average total loans | $1,198,058,000 | 440 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8720% | 3,799 |
| Cost of funding earning assets | 0.3653% | 3,531 |
| Net interest margin | 3.5066% | 3,498 |
| Noninterest income to average assets | 1.2243% | 796 |
| Noninterest expense to average assets | 3.0771% | 2,303 |
| Loan and lease loss provision to assets | 0.1423% | 1,668 |
| Net operating income to assets | 1.2332% | 1,441 |
| Return on assets (ROA) | 1.2333% | 1,496 |
| Pretax return on assets | 1.2816% | 2,349 |
| Return on Equity (ROE) | 13.3174% | 991 |
| Retained earnings to average equity (ytd only) | 5.9548% | 1,817 |
| Net charge-offs to loans | 0.0432% | 3,351 |
| Credit loss provision to net charge-offs | 397.6143% | 766 |
| Earnings coverage of net charge-offs (x) | 39.7793% | 1,188 |
| Efficiency ratio | 65.9252% | 3,916 |
| Assets per employee ($millions) | 4.5694% | 2,924 |
| Cash dividends to net income (ytd only)* | 55.2856% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3374% | 2,720 |
| Loan loss allowance to noncurrent loans | 627.4548% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,872 |
| Noncurrent loans to loans | 0.2131% | 4,653 |
| Net loans and leases to total assets | 82.9336% | 491 |
| Net loans and leases to deposits | 97.4780% | 865 |
| Net loans and leases to core deposits | 101.6938% | 1,385 |
| Total domestic deposits to total assets | 85.0793% | 3,054 |
| Equity capital to assets | 9.4527% | 4,606 |
| Core capital (leverage) ratio | 9.0473% | 4,822 |
| Tier 1 risk-based capital ratio | 10.2045% | 5,895 |
| Total risk-based capital ratio | 11.4549% | 5,822 |
| Memoranda: | ||
| Average total assets | $1,405,228,800 | 509 |
| Average earning assets | $1,313,082,000 | 497 |
| Average equity | $130,130,800 | 582 |
| Average total loans | $1,163,133,400 | 425 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8578% | 3,903 |
| Cost of funding earning assets | 0.3670% | 3,582 |
| Net interest margin | 3.4908% | 3,575 |
| Noninterest income to average assets | 1.1137% | 973 |
| Noninterest expense to average assets | 3.0466% | 2,377 |
| Loan and lease loss provision to assets | 0.1618% | 1,323 |
| Net operating income to assets | 1.1227% | 1,918 |
| Return on assets (ROA) | 1.1228% | 1,990 |
| Pretax return on assets | 1.1672% | 2,943 |
| Return on Equity (ROE) | 12.1884% | 1,323 |
| Retained earnings to average equity (ytd only) | 5.1615% | 2,799 |
| Net charge-offs to loans | 0.0462% | 2,969 |
| Credit loss provision to net charge-offs | 425.0000% | 725 |
| Earnings coverage of net charge-offs (x) | 34.9150% | 1,361 |
| Efficiency ratio | 67.1132% | 3,686 |
| Assets per employee ($millions) | 4.4802% | 3,043 |
| Cash dividends to net income (ytd only)* | 57.6525% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 2,896 |
| Loan loss allowance to noncurrent loans | 391.4165% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 4,614 |
| Noncurrent loans to loans | 0.3429% | 4,388 |
| Net loans and leases to total assets | 82.1728% | 562 |
| Net loans and leases to deposits | 94.5857% | 1,127 |
| Net loans and leases to core deposits | 98.7178% | 1,633 |
| Total domestic deposits to total assets | 86.8766% | 2,107 |
| Equity capital to assets | 9.3626% | 4,926 |
| Core capital (leverage) ratio | 8.8765% | 5,147 |
| Tier 1 risk-based capital ratio | 10.0346% | 6,035 |
| Total risk-based capital ratio | 11.2850% | 5,985 |
| Memoranda: | ||
| Average total assets | $1,401,268,000 | 508 |
| Average earning assets | $1,309,321,750 | 497 |
| Average equity | $129,081,250 | 591 |
| Average total loans | $1,155,286,500 | 433 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8398% | 3,921 |
| Cost of funding earning assets | 0.3698% | 3,599 |
| Net interest margin | 3.4699% | 3,619 |
| Noninterest income to average assets | 1.1461% | 912 |
| Noninterest expense to average assets | 3.0883% | 2,277 |
| Loan and lease loss provision to assets | 0.1717% | 1,215 |
| Net operating income to assets | 1.0797% | 2,011 |
| Return on assets (ROA) | 1.0799% | 2,119 |
| Pretax return on assets | 1.1228% | 3,081 |
| Return on Equity (ROE) | 11.7878% | 1,435 |
| Retained earnings to average equity (ytd only) | 4.1260% | 3,396 |
| Net charge-offs to loans | 0.0549% | 2,625 |
| Credit loss provision to net charge-offs | 380.9524% | 775 |
| Earnings coverage of net charge-offs (x) | 28.7206% | 1,402 |
| Efficiency ratio | 67.9463% | 3,675 |
| Assets per employee ($millions) | 4.3172% | 3,270 |
| Cash dividends to net income (ytd only)* | 64.9974% | 1,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 3,048 |
| Loan loss allowance to noncurrent loans | 440.2006% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.2785% | 4,765 |
| Noncurrent loans to loans | 0.3034% | 4,600 |
| Net loans and leases to total assets | 80.8932% | 685 |
| Net loans and leases to deposits | 93.3413% | 1,215 |
| Net loans and leases to core deposits | 96.9659% | 1,721 |
| Total domestic deposits to total assets | 86.6638% | 2,336 |
| Equity capital to assets | 9.2179% | 4,995 |
| Core capital (leverage) ratio | 8.6322% | 5,396 |
| Tier 1 risk-based capital ratio | 9.9343% | 6,108 |
| Total risk-based capital ratio | 11.1844% | 6,063 |
| Memoranda: | ||
| Average total assets | $1,397,938,330 | 509 |
| Average earning assets | $1,303,883,000 | 496 |
| Average equity | $128,065,000 | 596 |
| Average total loans | $1,148,566,000 | 433 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8017% | 3,999 |
| Cost of funding earning assets | 0.3704% | 3,645 |
| Net interest margin | 3.4313% | 3,703 |
| Noninterest income to average assets | 0.9388% | 1,269 |
| Noninterest expense to average assets | 2.9965% | 2,594 |
| Loan and lease loss provision to assets | 0.1720% | 1,144 |
| Net operating income to assets | 0.9302% | 2,608 |
| Return on assets (ROA) | 0.9305% | 2,732 |
| Pretax return on assets | 0.9681% | 3,615 |
| Return on Equity (ROE) | 10.1891% | 1,916 |
| Retained earnings to average equity (ytd only) | 3.5659% | 3,863 |
| Net charge-offs to loans | 0.0220% | 2,709 |
| Credit loss provision to net charge-offs | 952.3810% | 351 |
| Earnings coverage of net charge-offs (x) | 63.1111% | 705 |
| Efficiency ratio | 69.7692% | 3,530 |
| Assets per employee ($millions) | 4.5790% | 2,927 |
| Cash dividends to net income (ytd only)* | 65.0031% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 3,358 |
| Loan loss allowance to noncurrent loans | 426.3203% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2780% | 4,838 |
| Noncurrent loans to loans | 0.3068% | 4,688 |
| Net loans and leases to total assets | 79.8132% | 706 |
| Net loans and leases to deposits | 91.7574% | 1,217 |
| Net loans and leases to core deposits | 95.3048% | 1,671 |
| Total domestic deposits to total assets | 86.9829% | 2,377 |
| Equity capital to assets | 9.0262% | 5,253 |
| Core capital (leverage) ratio | 8.7476% | 5,264 |
| Tier 1 risk-based capital ratio | 9.9729% | 6,176 |
| Total risk-based capital ratio | 11.2230% | 6,131 |
| Memoranda: | ||
| Average total assets | $1,395,367,500 | 511 |
| Average earning assets | $1,300,247,500 | 502 |
| Average equity | $127,430,500 | 602 |
| Average total loans | $1,147,669,500 | 432 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,885 |
| Cost of funding earning assets | 0.3957% | 3,735 |
| Net interest margin | 3.5617% | 3,551 |
| Noninterest income to average assets | 0.9784% | 1,263 |
| Noninterest expense to average assets | 3.1517% | 2,355 |
| Loan and lease loss provision to assets | 0.6214% | 219 |
| Net operating income to assets | 0.4810% | 4,886 |
| Return on assets (ROA) | 0.4811% | 4,979 |
| Pretax return on assets | 0.5050% | 5,240 |
| Return on Equity (ROE) | 5.1971% | 4,561 |
| Retained earnings to average equity (ytd only) | 1.3001% | 5,191 |
| Net charge-offs to loans | 0.5921% | 672 |
| Credit loss provision to net charge-offs | 127.9318% | 1,868 |
| Earnings coverage of net charge-offs (x) | 2.3189% | 4,188 |
| Efficiency ratio | 72.1595% | 3,176 |
| Assets per employee ($millions) | 4.4521% | 3,116 |
| Cash dividends to net income (ytd only)* | 74.9846% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 3,649 |
| Loan loss allowance to noncurrent loans | 187.4175% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 3,760 |
| Noncurrent loans to loans | 0.6733% | 3,664 |
| Net loans and leases to total assets | 82.6188% | 467 |
| Net loans and leases to deposits | 94.5638% | 1,025 |
| Net loans and leases to core deposits | 97.5905% | 1,585 |
| Total domestic deposits to total assets | 87.3683% | 2,097 |
| Equity capital to assets | 9.2423% | 5,018 |
| Core capital (leverage) ratio | 8.5807% | 5,467 |
| Tier 1 risk-based capital ratio | 9.9753% | 6,266 |
| Total risk-based capital ratio | 11.2254% | 6,216 |
| Memoranda: | ||
| Average total assets | $1,351,863,000 | 507 |
| Average earning assets | $1,252,402,600 | 500 |
| Average equity | $125,145,800 | 585 |
| Average total loans | $1,108,971,200 | 423 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9376% | 4,018 |
| Cost of funding earning assets | 0.4033% | 3,759 |
| Net interest margin | 3.5343% | 3,698 |
| Noninterest income to average assets | 0.9843% | 1,270 |
| Noninterest expense to average assets | 3.1460% | 2,331 |
| Loan and lease loss provision to assets | 0.7721% | 162 |
| Net operating income to assets | 0.3226% | 5,520 |
| Return on assets (ROA) | 0.3227% | 5,591 |
| Pretax return on assets | 0.3400% | 5,695 |
| Return on Equity (ROE) | 3.4843% | 5,368 |
| Retained earnings to average equity (ytd only) | -0.6252% | 5,895 |
| Net charge-offs to loans | 0.8133% | 409 |
| Credit loss provision to net charge-offs | 116.3137% | 1,957 |
| Earnings coverage of net charge-offs (x) | 1.6752% | 4,105 |
| Efficiency ratio | 72.3581% | 3,118 |
| Assets per employee ($millions) | 4.2541% | 3,374 |
| Cash dividends to net income (ytd only)* | 117.9448% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 4,094 |
| Loan loss allowance to noncurrent loans | 180.9775% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 4,071 |
| Noncurrent loans to loans | 0.6779% | 3,915 |
| Net loans and leases to total assets | 82.0152% | 505 |
| Net loans and leases to deposits | 93.4700% | 1,083 |
| Net loans and leases to core deposits | 96.4140% | 1,642 |
| Total domestic deposits to total assets | 87.7450% | 1,903 |
| Equity capital to assets | 9.2395% | 5,099 |
| Core capital (leverage) ratio | 8.4407% | 5,715 |
| Tier 1 risk-based capital ratio | 10.0986% | 6,323 |
| Total risk-based capital ratio | 11.3307% | 6,290 |
| Memoranda: | ||
| Average total assets | $1,347,020,750 | 509 |
| Average earning assets | $1,247,711,250 | 501 |
| Average equity | $124,748,750 | 583 |
| Average total loans | $1,099,370,750 | 425 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 3,947 |
| Cost of funding earning assets | 0.4119% | 3,750 |
| Net interest margin | 3.5333% | 3,643 |
| Noninterest income to average assets | 0.9121% | 1,459 |
| Noninterest expense to average assets | 3.0828% | 2,556 |
| Loan and lease loss provision to assets | 0.6981% | 192 |
| Net operating income to assets | 0.3797% | 5,292 |
| Return on assets (ROA) | 0.3798% | 5,362 |
| Pretax return on assets | 0.3994% | 5,563 |
| Return on Equity (ROE) | 4.0978% | 5,100 |
| Retained earnings to average equity (ytd only) | -2.0641% | 6,001 |
| Net charge-offs to loans | 0.6835% | 561 |
| Credit loss provision to net charge-offs | 125.8704% | 1,651 |
| Earnings coverage of net charge-offs (x) | 1.9786% | 3,677 |
| Efficiency ratio | 72.1920% | 3,293 |
| Assets per employee ($millions) | 4.1354% | 3,574 |
| Cash dividends to net income (ytd only)* | 150.3715% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 4,331 |
| Loan loss allowance to noncurrent loans | 169.7219% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.6245% | 4,099 |
| Noncurrent loans to loans | 0.7189% | 3,906 |
| Net loans and leases to total assets | 81.7273% | 489 |
| Net loans and leases to deposits | 93.4195% | 1,014 |
| Net loans and leases to core deposits | 96.3436% | 1,573 |
| Total domestic deposits to total assets | 87.4842% | 2,202 |
| Equity capital to assets | 9.1815% | 5,125 |
| Core capital (leverage) ratio | 8.3736% | 5,770 |
| Tier 1 risk-based capital ratio | 9.9507% | 6,415 |
| Total risk-based capital ratio | 11.1628% | 6,384 |
| Memoranda: | ||
| Average total assets | $1,346,506,330 | 514 |
| Average earning assets | $1,245,391,000 | 504 |
| Average equity | $124,798,330 | 575 |
| Average total loans | $1,092,572,330 | 423 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 3,757 |
| Cost of funding earning assets | 0.4122% | 3,834 |
| Net interest margin | 3.5710% | 3,385 |
| Noninterest income to average assets | 0.8263% | 1,650 |
| Noninterest expense to average assets | 3.0465% | 2,706 |
| Loan and lease loss provision to assets | 0.1783% | 1,353 |
| Net operating income to assets | 0.8677% | 2,809 |
| Return on assets (ROA) | 0.8677% | 2,877 |
| Pretax return on assets | 0.9078% | 3,667 |
| Return on Equity (ROE) | 9.3179% | 2,324 |
| Retained earnings to average equity (ytd only) | 2.3303% | 4,667 |
| Net charge-offs to loans | 0.0030% | 3,619 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 456.7500% | 93 |
| Efficiency ratio | 72.1427% | 3,460 |
| Assets per employee ($millions) | 4.3492% | 3,251 |
| Cash dividends to net income (ytd only)* | 74.9914% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 4,570 |
| Loan loss allowance to noncurrent loans | 117.0602% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 3,557 |
| Noncurrent loans to loans | 1.0377% | 3,349 |
| Net loans and leases to total assets | 79.3226% | 622 |
| Net loans and leases to deposits | 90.7444% | 1,064 |
| Net loans and leases to core deposits | 93.6655% | 1,579 |
| Total domestic deposits to total assets | 87.4132% | 2,556 |
| Equity capital to assets | 9.2658% | 4,793 |
| Core capital (leverage) ratio | 8.5786% | 5,551 |
| Tier 1 risk-based capital ratio | 10.3193% | 6,391 |
| Total risk-based capital ratio | 11.5225% | 6,354 |
| Memoranda: | ||
| Average total assets | $1,345,685,000 | 512 |
| Average earning assets | $1,245,931,500 | 502 |
| Average equity | $125,307,500 | 574 |
| Average total loans | $1,081,150,500 | 423 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9646% | 4,220 |
| Cost of funding earning assets | 0.5085% | 3,522 |
| Net interest margin | 3.4561% | 4,072 |
| Noninterest income to average assets | 1.2711% | 855 |
| Noninterest expense to average assets | 3.1013% | 2,728 |
| Loan and lease loss provision to assets | 0.1746% | 2,113 |
| Net operating income to assets | 1.0295% | 2,203 |
| Return on assets (ROA) | 1.0550% | 2,174 |
| Pretax return on assets | 1.2294% | 2,459 |
| Return on Equity (ROE) | 11.4002% | 1,634 |
| Retained earnings to average equity (ytd only) | 3.4929% | 3,739 |
| Net charge-offs to loans | 0.4117% | 1,632 |
| Credit loss provision to net charge-offs | 54.7736% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.3106% | 3,606 |
| Efficiency ratio | 67.7250% | 4,253 |
| Assets per employee ($millions) | 4.2363% | 3,391 |
| Cash dividends to net income (ytd only)* | 69.3606% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,764 |
| Loan loss allowance to noncurrent loans | 116.3201% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8547% | 3,750 |
| Noncurrent loans to loans | 1.0133% | 3,488 |
| Net loans and leases to total assets | 79.4392% | 655 |
| Net loans and leases to deposits | 91.8184% | 1,075 |
| Net loans and leases to core deposits | 94.1533% | 1,589 |
| Total domestic deposits to total assets | 86.5178% | 2,982 |
| Equity capital to assets | 9.3586% | 4,604 |
| Core capital (leverage) ratio | 8.6212% | 5,517 |
| Tier 1 risk-based capital ratio | 10.4311% | 6,391 |
| Total risk-based capital ratio | 11.6027% | 6,375 |
| Memoranda: | ||
| Average total assets | $1,337,032,200 | 498 |
| Average earning assets | $1,239,747,800 | 486 |
| Average equity | $123,735,200 | 570 |
| Average total loans | $1,035,580,800 | 422 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1137% | 3,701 |
| Cost of funding earning assets | 0.5219% | 3,546 |
| Net interest margin | 3.5918% | 3,480 |
| Noninterest income to average assets | 1.4187% | 732 |
| Noninterest expense to average assets | 3.1294% | 2,571 |
| Loan and lease loss provision to assets | 0.1378% | 2,568 |
| Net operating income to assets | 1.4495% | 984 |
| Return on assets (ROA) | 1.4494% | 1,039 |
| Pretax return on assets | 1.5146% | 1,567 |
| Return on Equity (ROE) | 16.7043% | 568 |
| Retained earnings to average equity (ytd only) | 5.5618% | 2,684 |
| Net charge-offs to loans | 0.2596% | 2,260 |
| Credit loss provision to net charge-offs | 64.8585% | 3,184 |
| Earnings coverage of net charge-offs (x) | 7.7795% | 2,733 |
| Efficiency ratio | 63.8161% | 4,827 |
| Assets per employee ($millions) | 4.1981% | 3,424 |
| Cash dividends to net income (ytd only)* | 66.7041% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 4,565 |
| Loan loss allowance to noncurrent loans | 117.1040% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0202% | 3,612 |
| Noncurrent loans to loans | 1.0809% | 3,638 |
| Net loans and leases to total assets | 80.9544% | 455 |
| Net loans and leases to deposits | 92.7965% | 915 |
| Net loans and leases to core deposits | 95.6962% | 1,419 |
| Total domestic deposits to total assets | 87.2386% | 2,542 |
| Equity capital to assets | 8.8337% | 5,379 |
| Core capital (leverage) ratio | 8.2890% | 5,979 |
| Tier 1 risk-based capital ratio | 10.1089% | 6,569 |
| Total risk-based capital ratio | 11.3590% | 6,540 |
| Memoranda: | ||
| Average total assets | $1,064,539,250 | 623 |
| Average earning assets | $996,808,750 | 601 |
| Average equity | $92,365,000 | 762 |
| Average total loans | $870,962,750 | 478 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1347% | 3,609 |
| Cost of funding earning assets | 0.5329% | 3,578 |
| Net interest margin | 3.6019% | 3,349 |
| Noninterest income to average assets | 1.4876% | 712 |
| Noninterest expense to average assets | 3.1186% | 2,610 |
| Loan and lease loss provision to assets | 0.1502% | 2,448 |
| Net operating income to assets | 1.5298% | 854 |
| Return on assets (ROA) | 1.5298% | 921 |
| Pretax return on assets | 1.5982% | 1,380 |
| Return on Equity (ROE) | 17.7386% | 483 |
| Retained earnings to average equity (ytd only) | 6.5173% | 2,129 |
| Net charge-offs to loans | 0.1557% | 2,857 |
| Credit loss provision to net charge-offs | 117.9941% | 1,882 |
| Earnings coverage of net charge-offs (x) | 13.7360% | 1,876 |
| Efficiency ratio | 62.4802% | 5,100 |
| Assets per employee ($millions) | 4.0060% | 3,784 |
| Cash dividends to net income (ytd only)* | 63.2593% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,420 |
| Loan loss allowance to noncurrent loans | 104.8397% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 3,356 |
| Noncurrent loans to loans | 1.2556% | 3,450 |
| Net loans and leases to total assets | 82.6009% | 316 |
| Net loans and leases to deposits | 95.0597% | 733 |
| Net loans and leases to core deposits | 98.0237% | 1,214 |
| Total domestic deposits to total assets | 86.8937% | 2,888 |
| Equity capital to assets | 8.7138% | 5,530 |
| Core capital (leverage) ratio | 8.2583% | 5,943 |
| Tier 1 risk-based capital ratio | 9.9519% | 6,645 |
| Total risk-based capital ratio | 11.2031% | 6,624 |
| Memoranda: | ||
| Average total assets | $1,065,346,000 | 623 |
| Average earning assets | $999,530,000 | 601 |
| Average equity | $91,878,670 | 771 |
| Average total loans | $870,998,670 | 472 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1019% | 3,720 |
| Cost of funding earning assets | 0.5446% | 3,626 |
| Net interest margin | 3.5573% | 3,446 |
| Noninterest income to average assets | 1.5392% | 648 |
| Noninterest expense to average assets | 3.1873% | 2,390 |
| Loan and lease loss provision to assets | 0.1878% | 1,961 |
| Net operating income to assets | 1.4360% | 975 |
| Return on assets (ROA) | 1.4360% | 1,051 |
| Pretax return on assets | 1.4998% | 1,553 |
| Return on Equity (ROE) | 16.7370% | 533 |
| Retained earnings to average equity (ytd only) | 8.3685% | 1,618 |
| Net charge-offs to loans | 0.0595% | 3,222 |
| Credit loss provision to net charge-offs | 390.6250% | 649 |
| Earnings coverage of net charge-offs (x) | 35.1094% | 879 |
| Efficiency ratio | 63.7883% | 5,041 |
| Assets per employee ($millions) | 4.1460% | 3,635 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 4,285 |
| Loan loss allowance to noncurrent loans | 105.6011% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.3084% | 3,346 |
| Noncurrent loans to loans | 1.3178% | 3,586 |
| Net loans and leases to total assets | 80.0559% | 415 |
| Net loans and leases to deposits | 92.0366% | 799 |
| Net loans and leases to core deposits | 94.0210% | 1,342 |
| Total domestic deposits to total assets | 86.9827% | 2,970 |
| Equity capital to assets | 8.6968% | 5,812 |
| Core capital (leverage) ratio | 8.1961% | 5,934 |
| Tier 1 risk-based capital ratio | 10.5485% | 6,562 |
| Total risk-based capital ratio | 11.8013% | 6,537 |
| Memoranda: | ||
| Average total assets | $1,065,217,500 | 627 |
| Average earning assets | $998,853,500 | 608 |
| Average equity | $91,390,500 | 783 |
| Average total loans | $860,528,500 | 482 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5565% | 3,185 |
| Cost of funding earning assets | 0.7522% | 3,072 |
| Net interest margin | 3.8043% | 3,207 |
| Noninterest income to average assets | 1.3926% | 801 |
| Noninterest expense to average assets | 3.1908% | 2,647 |
| Loan and lease loss provision to assets | 0.2703% | 2,486 |
| Net operating income to assets | 1.4284% | 1,052 |
| Return on assets (ROA) | 1.4284% | 1,166 |
| Pretax return on assets | 1.4873% | 1,717 |
| Return on Equity (ROE) | 16.8051% | 561 |
| Retained earnings to average equity (ytd only) | 11.2046% | 418 |
| Net charge-offs to loans | 0.0423% | 5,328 |
| Credit loss provision to net charge-offs | 780.7808% | 316 |
| Earnings coverage of net charge-offs (x) | 50.7718% | 674 |
| Efficiency ratio | 63.6870% | 4,942 |
| Assets per employee ($millions) | 4.0804% | 3,790 |
| Cash dividends to net income (ytd only)* | 33.3261% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 4,392 |
| Loan loss allowance to noncurrent loans | 98.5663% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.4422% | 3,223 |
| Noncurrent loans to loans | 1.3717% | 3,543 |
| Net loans and leases to total assets | 79.2990% | 533 |
| Net loans and leases to deposits | 91.8499% | 921 |
| Net loans and leases to core deposits | 94.0057% | 1,468 |
| Total domestic deposits to total assets | 86.3354% | 3,182 |
| Equity capital to assets | 8.4631% | 6,076 |
| Core capital (leverage) ratio | 8.0436% | 6,153 |
| Tier 1 risk-based capital ratio | 10.4169% | 6,580 |
| Total risk-based capital ratio | 11.6693% | 6,552 |
| Memoranda: | ||
| Average total assets | $961,934,400 | 682 |
| Average earning assets | $899,087,200 | 657 |
| Average equity | $81,761,000 | 859 |
| Average total loans | $786,832,200 | 518 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6382% | 3,065 |
| Cost of funding earning assets | 0.8037% | 2,912 |
| Net interest margin | 3.8345% | 3,183 |
| Noninterest income to average assets | 1.3100% | 858 |
| Noninterest expense to average assets | 3.1384% | 2,766 |
| Loan and lease loss provision to assets | 0.2566% | 2,522 |
| Net operating income to assets | 1.4389% | 1,147 |
| Return on assets (ROA) | 1.4389% | 1,268 |
| Pretax return on assets | 1.4983% | 1,885 |
| Return on Equity (ROE) | 16.9079% | 619 |
| Retained earnings to average equity (ytd only) | 10.7643% | 731 |
| Net charge-offs to loans | 0.0513% | 4,938 |
| Credit loss provision to net charge-offs | 608.1081% | 437 |
| Earnings coverage of net charge-offs (x) | 41.5841% | 854 |
| Efficiency ratio | 63.6374% | 4,864 |
| Assets per employee ($millions) | 4.3033% | 3,267 |
| Cash dividends to net income (ytd only)* | 36.3357% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,756 |
| Loan loss allowance to noncurrent loans | 98.4403% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.5852% | 3,220 |
| Noncurrent loans to loans | 1.3337% | 3,803 |
| Net loans and leases to total assets | 78.6812% | 654 |
| Net loans and leases to deposits | 90.8360% | 1,062 |
| Net loans and leases to core deposits | 93.2700% | 1,657 |
| Total domestic deposits to total assets | 86.6189% | 2,907 |
| Equity capital to assets | 8.4813% | 6,280 |
| Core capital (leverage) ratio | 8.4204% | 5,876 |
| Tier 1 risk-based capital ratio | 10.4569% | 6,682 |
| Total risk-based capital ratio | 11.7089% | 6,659 |
| Memoranda: | ||
| Average total assets | $935,152,250 | 709 |
| Average earning assets | $873,909,000 | 688 |
| Average equity | $79,582,250 | 882 |
| Average total loans | $768,696,500 | 524 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7312% | 2,791 |
| Cost of funding earning assets | 0.8675% | 2,675 |
| Net interest margin | 3.8637% | 3,071 |
| Noninterest income to average assets | 1.2149% | 972 |
| Noninterest expense to average assets | 3.1565% | 2,728 |
| Loan and lease loss provision to assets | 0.2663% | 2,452 |
| Net operating income to assets | 1.3447% | 1,319 |
| Return on assets (ROA) | 1.3447% | 1,478 |
| Pretax return on assets | 1.4006% | 2,192 |
| Return on Equity (ROE) | 15.7806% | 799 |
| Retained earnings to average equity (ytd only) | 8.8553% | 1,324 |
| Net charge-offs to loans | -0.0296% | 6,519 |
| Credit loss provision to net charge-offs | -1,081.0811% | 6,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1284% | 4,700 |
| Assets per employee ($millions) | 4.0154% | 3,843 |
| Cash dividends to net income (ytd only)* | 43.8851% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 4,813 |
| Loan loss allowance to noncurrent loans | 93.1836% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 3,321 |
| Noncurrent loans to loans | 1.4142% | 3,792 |
| Net loans and leases to total assets | 83.2017% | 255 |
| Net loans and leases to deposits | 97.2810% | 560 |
| Net loans and leases to core deposits | 100.1387% | 1,093 |
| Total domestic deposits to total assets | 85.5272% | 3,590 |
| Equity capital to assets | 8.5932% | 6,126 |
| Core capital (leverage) ratio | 8.2227% | 6,020 |
| Tier 1 risk-based capital ratio | 10.3265% | 6,749 |
| Total risk-based capital ratio | 11.5786% | 6,734 |
| Memoranda: | ||
| Average total assets | $901,174,670 | 737 |
| Average earning assets | $841,685,330 | 715 |
| Average equity | $76,790,330 | 912 |
| Average total loans | $749,313,000 | 546 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 3,085 |
| Cost of funding earning assets | 0.9073% | 2,633 |
| Net interest margin | 3.7841% | 3,465 |
| Noninterest income to average assets | 1.2469% | 910 |
| Noninterest expense to average assets | 3.2076% | 2,573 |
| Loan and lease loss provision to assets | 0.2753% | 2,262 |
| Net operating income to assets | 1.2405% | 1,632 |
| Return on assets (ROA) | 1.2405% | 1,810 |
| Pretax return on assets | 1.2923% | 2,565 |
| Return on Equity (ROE) | 14.6256% | 1,054 |
| Retained earnings to average equity (ytd only) | 7.3128% | 2,274 |
| Net charge-offs to loans | -0.2346% | 7,024 |
| Credit loss provision to net charge-offs | -142.1801% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1726% | 4,325 |
| Assets per employee ($millions) | 4.0556% | 3,896 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 4,510 |
| Loan loss allowance to noncurrent loans | 76.4762% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 2.2403% | 2,656 |
| Noncurrent loans to loans | 1.8587% | 3,333 |
| Net loans and leases to total assets | 81.7481% | 289 |
| Net loans and leases to deposits | 95.9238% | 544 |
| Net loans and leases to core deposits | 98.9378% | 1,055 |
| Total domestic deposits to total assets | 85.2219% | 3,923 |
| Equity capital to assets | 8.4728% | 6,109 |
| Core capital (leverage) ratio | 8.4982% | 5,596 |
| Tier 1 risk-based capital ratio | 10.7886% | 6,628 |
| Total risk-based capital ratio | 12.0420% | 6,615 |
| Memoranda: | ||
| Average total assets | $871,927,000 | 761 |
| Average earning assets | $812,979,500 | 741 |
| Average equity | $73,952,500 | 941 |
| Average total loans | $719,407,000 | 567 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9381% | 3,164 |
| Cost of funding earning assets | 1.0476% | 3,039 |
| Net interest margin | 3.8905% | 3,378 |
| Noninterest income to average assets | 1.0957% | 1,107 |
| Noninterest expense to average assets | 3.1217% | 3,126 |
| Loan and lease loss provision to assets | 0.3583% | 2,858 |
| Net operating income to assets | 1.1959% | 1,521 |
| Return on assets (ROA) | 1.2114% | 1,589 |
| Pretax return on assets | 1.2626% | 2,263 |
| Return on Equity (ROE) | 14.3709% | 850 |
| Retained earnings to average equity (ytd only) | 7.8308% | 1,141 |
| Net charge-offs to loans | 0.5376% | 2,858 |
| Credit loss provision to net charge-offs | 81.0957% | 4,400 |
| Earnings coverage of net charge-offs (x) | 3.6322% | 3,446 |
| Efficiency ratio | 66.0481% | 4,761 |
| Assets per employee ($millions) | 3.9263% | 4,021 |
| Cash dividends to net income (ytd only)* | 45.5094% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,865 |
| Loan loss allowance to noncurrent loans | 106.7426% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 2.0679% | 2,881 |
| Noncurrent loans to loans | 1.2258% | 4,320 |
| Net loans and leases to total assets | 81.0067% | 409 |
| Net loans and leases to deposits | 96.1218% | 664 |
| Net loans and leases to core deposits | 99.1213% | 1,252 |
| Total domestic deposits to total assets | 84.2751% | 4,204 |
| Equity capital to assets | 8.4903% | 6,158 |
| Core capital (leverage) ratio | 8.4721% | 5,610 |
| Tier 1 risk-based capital ratio | 10.7246% | 6,593 |
| Total risk-based capital ratio | 11.9762% | 6,567 |
| Memoranda: | ||
| Average total assets | $834,553,000 | 782 |
| Average earning assets | $778,829,400 | 757 |
| Average equity | $70,350,400 | 952 |
| Average total loans | $685,833,600 | 602 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9095% | 3,508 |
| Cost of funding earning assets | 1.0680% | 3,185 |
| Net interest margin | 3.8415% | 3,662 |
| Noninterest income to average assets | 0.9788% | 1,397 |
| Noninterest expense to average assets | 3.0871% | 3,213 |
| Loan and lease loss provision to assets | 0.3369% | 2,861 |
| Net operating income to assets | 1.0981% | 1,976 |
| Return on assets (ROA) | 1.1190% | 2,045 |
| Pretax return on assets | 1.1667% | 2,757 |
| Return on Equity (ROE) | 13.2998% | 1,204 |
| Retained earnings to average equity (ytd only) | 6.6509% | 2,164 |
| Net charge-offs to loans | 0.6539% | 2,291 |
| Credit loss provision to net charge-offs | 62.6687% | 4,718 |
| Earnings coverage of net charge-offs (x) | 2.7568% | 3,753 |
| Efficiency ratio | 67.5674% | 4,405 |
| Assets per employee ($millions) | 3.9291% | 4,009 |
| Cash dividends to net income (ytd only)* | 49.9928% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 5,272 |
| Loan loss allowance to noncurrent loans | 113.2460% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 1.9829% | 3,159 |
| Noncurrent loans to loans | 1.1000% | 4,718 |
| Net loans and leases to total assets | 82.6841% | 312 |
| Net loans and leases to deposits | 98.6430% | 539 |
| Net loans and leases to core deposits | 102.1866% | 1,087 |
| Total domestic deposits to total assets | 83.8215% | 4,315 |
| Equity capital to assets | 8.5436% | 6,253 |
| Core capital (leverage) ratio | 8.4736% | 5,746 |
| Tier 1 risk-based capital ratio | 10.5688% | 6,747 |
| Total risk-based capital ratio | 11.8197% | 6,733 |
| Memoranda: | ||
| Average total assets | $827,242,750 | 795 |
| Average earning assets | $773,124,500 | 773 |
| Average equity | $69,603,250 | 972 |
| Average total loans | $680,040,000 | 611 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8770% | 3,727 |
| Cost of funding earning assets | 1.0808% | 3,384 |
| Net interest margin | 3.7962% | 3,797 |
| Noninterest income to average assets | 0.8900% | 1,675 |
| Noninterest expense to average assets | 3.0963% | 3,270 |
| Loan and lease loss provision to assets | 0.3859% | 2,483 |
| Net operating income to assets | 0.9209% | 2,554 |
| Return on assets (ROA) | 0.9524% | 2,520 |
| Pretax return on assets | 0.9937% | 3,262 |
| Return on Equity (ROE) | 11.3787% | 1,677 |
| Retained earnings to average equity (ytd only) | 5.6894% | 2,599 |
| Net charge-offs to loans | 0.2900% | 3,426 |
| Credit loss provision to net charge-offs | 162.9098% | 1,860 |
| Earnings coverage of net charge-offs (x) | 5.6855% | 2,553 |
| Efficiency ratio | 69.6875% | 4,171 |
| Assets per employee ($millions) | 3.6906% | 4,471 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5471% | 3,913 |
| Loan loss allowance to noncurrent loans | 83.8986% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 2.5024% | 2,664 |
| Noncurrent loans to loans | 1.8440% | 3,690 |
| Net loans and leases to total assets | 81.5044% | 411 |
| Net loans and leases to deposits | 97.2399% | 639 |
| Net loans and leases to core deposits | 100.9027% | 1,263 |
| Total domestic deposits to total assets | 83.8178% | 4,428 |
| Equity capital to assets | 8.4644% | 6,226 |
| Core capital (leverage) ratio | 8.3153% | 5,845 |
| Tier 1 risk-based capital ratio | 10.6467% | 6,735 |
| Total risk-based capital ratio | 11.9021% | 6,721 |
| Memoranda: | ||
| Average total assets | $824,025,000 | 809 |
| Average earning assets | $771,250,670 | 780 |
| Average equity | $68,970,670 | 981 |
| Average total loans | $673,150,330 | 626 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8415% | 3,859 |
| Cost of funding earning assets | 1.0909% | 3,586 |
| Net interest margin | 3.7507% | 3,836 |
| Noninterest income to average assets | 0.8771% | 1,743 |
| Noninterest expense to average assets | 3.1254% | 3,154 |
| Loan and lease loss provision to assets | 0.2188% | 3,465 |
| Net operating income to assets | 0.9972% | 2,188 |
| Return on assets (ROA) | 0.9972% | 2,236 |
| Pretax return on assets | 1.0536% | 2,928 |
| Return on Equity (ROE) | 11.9822% | 1,469 |
| Retained earnings to average equity (ytd only) | 5.9940% | 2,638 |
| Net charge-offs to loans | 0.3206% | 2,774 |
| Credit loss provision to net charge-offs | 84.1121% | 3,065 |
| Earnings coverage of net charge-offs (x) | 4.8916% | 2,378 |
| Efficiency ratio | 71.0669% | 4,042 |
| Assets per employee ($millions) | 3.7670% | 4,378 |
| Cash dividends to net income (ytd only)* | 49.9756% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,882 |
| Loan loss allowance to noncurrent loans | 105.0980% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 1.8699% | 3,470 |
| Noncurrent loans to loans | 1.2881% | 4,550 |
| Net loans and leases to total assets | 78.8547% | 636 |
| Net loans and leases to deposits | 93.7895% | 854 |
| Net loans and leases to core deposits | 98.1533% | 1,511 |
| Total domestic deposits to total assets | 84.0762% | 4,462 |
| Equity capital to assets | 8.2801% | 6,187 |
| Core capital (leverage) ratio | 8.1233% | 6,092 |
| Tier 1 risk-based capital ratio | 11.2719% | 6,285 |
| Total risk-based capital ratio | 12.5251% | 6,261 |
| Memoranda: | ||
| Average total assets | $822,687,500 | 817 |
| Average earning assets | $772,238,500 | 790 |
| Average equity | $68,468,500 | 980 |
| Average total loans | $667,533,000 | 639 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 3,110 |
| Cost of funding earning assets | 1.2887% | 3,958 |
| Net interest margin | 4.0170% | 2,944 |
| Noninterest income to average assets | 1.1844% | 1,059 |
| Noninterest expense to average assets | 3.1168% | 3,395 |
| Loan and lease loss provision to assets | 0.4710% | 3,310 |
| Net operating income to assets | 1.2998% | 1,176 |
| Return on assets (ROA) | 1.2998% | 1,231 |
| Pretax return on assets | 1.3591% | 1,774 |
| Return on Equity (ROE) | 15.5573% | 635 |
| Retained earnings to average equity (ytd only) | 7.2591% | 1,222 |
| Net charge-offs to loans | 0.1327% | 5,580 |
| Credit loss provision to net charge-offs | 425.8621% | 554 |
| Earnings coverage of net charge-offs (x) | 16.5471% | 1,203 |
| Efficiency ratio | 62.7383% | 5,571 |
| Assets per employee ($millions) | 3.5967% | 4,716 |
| Cash dividends to net income (ytd only)* | 53.3399% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 4,606 |
| Loan loss allowance to noncurrent loans | 96.3248% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 1.9558% | 3,403 |
| Noncurrent loans to loans | 1.4345% | 4,336 |
| Net loans and leases to total assets | 81.2351% | 516 |
| Net loans and leases to deposits | 97.8357% | 732 |
| Net loans and leases to core deposits | 102.5610% | 1,410 |
| Total domestic deposits to total assets | 83.0322% | 4,780 |
| Equity capital to assets | 8.3660% | 6,050 |
| Core capital (leverage) ratio | 8.1967% | 5,831 |
| Tier 1 risk-based capital ratio | 11.0589% | 6,287 |
| Total risk-based capital ratio | 12.3082% | 6,258 |
| Memoranda: | ||
| Average total assets | $786,629,400 | 858 |
| Average earning assets | $736,788,200 | 834 |
| Average equity | $65,724,600 | 1,019 |
| Average total loans | $655,536,000 | 666 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 3,169 |
| Cost of funding earning assets | 1.3305% | 4,036 |
| Net interest margin | 4.0088% | 3,059 |
| Noninterest income to average assets | 0.9242% | 1,714 |
| Noninterest expense to average assets | 3.1193% | 3,245 |
| Loan and lease loss provision to assets | 0.3641% | 3,711 |
| Net operating income to assets | 1.1293% | 1,798 |
| Return on assets (ROA) | 1.1293% | 1,910 |
| Pretax return on assets | 1.1930% | 2,516 |
| Return on Equity (ROE) | 13.5203% | 1,137 |
| Retained earnings to average equity (ytd only) | 5.5538% | 2,620 |
| Net charge-offs to loans | 0.1689% | 4,955 |
| Credit loss provision to net charge-offs | 257.8692% | 1,282 |
| Earnings coverage of net charge-offs (x) | 11.0290% | 1,825 |
| Efficiency ratio | 66.5716% | 4,737 |
| Assets per employee ($millions) | 3.4945% | 4,997 |
| Cash dividends to net income (ytd only)* | 58.9224% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 5,592 |
| Loan loss allowance to noncurrent loans | 91.8709% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 1.8096% | 3,735 |
| Noncurrent loans to loans | 1.2842% | 4,712 |
| Net loans and leases to total assets | 83.4436% | 370 |
| Net loans and leases to deposits | 99.9524% | 663 |
| Net loans and leases to core deposits | 104.7861% | 1,415 |
| Total domestic deposits to total assets | 83.4834% | 4,385 |
| Equity capital to assets | 8.5106% | 6,264 |
| Core capital (leverage) ratio | 8.2615% | 5,944 |
| Tier 1 risk-based capital ratio | 10.8654% | 6,496 |
| Total risk-based capital ratio | 12.1161% | 6,473 |
| Memoranda: | ||
| Average total assets | $780,070,750 | 870 |
| Average earning assets | $730,146,750 | 841 |
| Average equity | $65,154,750 | 1,031 |
| Average total loans | $652,024,250 | 674 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3123% | 3,408 |
| Cost of funding earning assets | 1.3731% | 4,037 |
| Net interest margin | 3.9392% | 3,284 |
| Noninterest income to average assets | 0.7852% | 2,209 |
| Noninterest expense to average assets | 3.0745% | 3,415 |
| Loan and lease loss provision to assets | 0.4459% | 3,091 |
| Net operating income to assets | 0.8989% | 2,555 |
| Return on assets (ROA) | 0.8989% | 2,674 |
| Pretax return on assets | 0.9505% | 3,310 |
| Return on Equity (ROE) | 10.8309% | 1,800 |
| Retained earnings to average equity (ytd only) | 4.4567% | 3,232 |
| Net charge-offs to loans | 0.1344% | 4,870 |
| Credit loss provision to net charge-offs | 398.3945% | 916 |
| Earnings coverage of net charge-offs (x) | 12.4771% | 1,674 |
| Efficiency ratio | 68.6302% | 4,451 |
| Assets per employee ($millions) | 3.4028% | 5,177 |
| Cash dividends to net income (ytd only)* | 58.8521% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 5,298 |
| Loan loss allowance to noncurrent loans | 94.9183% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.9224% | 3,594 |
| Noncurrent loans to loans | 1.2950% | 4,791 |
| Net loans and leases to total assets | 82.7769% | 458 |
| Net loans and leases to deposits | 98.6967% | 821 |
| Net loans and leases to core deposits | 103.6210% | 1,676 |
| Total domestic deposits to total assets | 83.8699% | 4,164 |
| Equity capital to assets | 8.4465% | 6,235 |
| Core capital (leverage) ratio | 8.2045% | 5,937 |
| Tier 1 risk-based capital ratio | 10.8460% | 6,404 |
| Total risk-based capital ratio | 12.0975% | 6,393 |
| Memoranda: | ||
| Average total assets | $779,173,670 | 875 |
| Average earning assets | $729,030,670 | 843 |
| Average equity | $64,667,000 | 1,029 |
| Average total loans | $649,044,670 | 682 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 3,909 |
| Cost of funding earning assets | 1.4150% | 4,084 |
| Net interest margin | 3.8075% | 3,769 |
| Noninterest income to average assets | 0.7447% | 2,328 |
| Noninterest expense to average assets | 3.0521% | 3,469 |
| Loan and lease loss provision to assets | 0.6962% | 1,831 |
| Net operating income to assets | 0.5229% | 4,271 |
| Return on assets (ROA) | 0.5229% | 4,410 |
| Pretax return on assets | 0.5546% | 4,770 |
| Return on Equity (ROE) | 6.3561% | 3,696 |
| Retained earnings to average equity (ytd only) | 4.0697% | 3,710 |
| Net charge-offs to loans | 0.4222% | 2,781 |
| Credit loss provision to net charge-offs | 198.5423% | 1,868 |
| Earnings coverage of net charge-offs (x) | 3.5671% | 2,866 |
| Efficiency ratio | 70.7888% | 4,158 |
| Assets per employee ($millions) | 3.5471% | 4,931 |
| Cash dividends to net income (ytd only)* | 35.9726% | 1,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,573 |
| Loan loss allowance to noncurrent loans | 56.7257% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 2.6283% | 2,771 |
| Noncurrent loans to loans | 2.0897% | 3,671 |
| Net loans and leases to total assets | 82.1350% | 578 |
| Net loans and leases to deposits | 97.6028% | 946 |
| Net loans and leases to core deposits | 103.7411% | 1,765 |
| Total domestic deposits to total assets | 84.1523% | 4,075 |
| Equity capital to assets | 8.3071% | 6,290 |
| Core capital (leverage) ratio | 8.0560% | 6,153 |
| Tier 1 risk-based capital ratio | 10.6030% | 6,537 |
| Total risk-based capital ratio | 11.8536% | 6,531 |
| Memoranda: | ||
| Average total assets | $782,547,000 | 889 |
| Average earning assets | $731,294,500 | 857 |
| Average equity | $64,379,000 | 1,035 |
| Average total loans | $649,893,000 | 698 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5871% | 3,673 |
| Cost of funding earning assets | 1.7791% | 4,109 |
| Net interest margin | 3.8080% | 3,667 |
| Noninterest income to average assets | 0.8996% | 1,942 |
| Noninterest expense to average assets | 3.3477% | 2,845 |
| Loan and lease loss provision to assets | 0.4655% | 4,046 |
| Net operating income to assets | 0.6079% | 3,300 |
| Return on assets (ROA) | 0.7948% | 2,643 |
| Pretax return on assets | 0.8066% | 3,224 |
| Return on Equity (ROE) | 9.7638% | 1,754 |
| Retained earnings to average equity (ytd only) | 7.5141% | 820 |
| Net charge-offs to loans | 0.2536% | 5,032 |
| Credit loss provision to net charge-offs | 223.2748% | 1,681 |
| Earnings coverage of net charge-offs (x) | 5.1957% | 2,663 |
| Efficiency ratio | 75.4096% | 3,631 |
| Assets per employee ($millions) | 3.5349% | 4,935 |
| Cash dividends to net income (ytd only)* | 23.0415% | 3,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,803 |
| Loan loss allowance to noncurrent loans | 55.9618% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 2.5796% | 2,718 |
| Noncurrent loans to loans | 2.0028% | 3,647 |
| Net loans and leases to total assets | 82.0476% | 679 |
| Net loans and leases to deposits | 99.1250% | 983 |
| Net loans and leases to core deposits | 121.6352% | 1,821 |
| Total domestic deposits to total assets | 82.7719% | 4,630 |
| Equity capital to assets | 8.1478% | 6,407 |
| Core capital (leverage) ratio | 7.8574% | 6,378 |
| Tier 1 risk-based capital ratio | 10.3837% | 6,509 |
| Total risk-based capital ratio | 11.6166% | 6,495 |
| Memoranda: | ||
| Average total assets | $764,489,800 | 898 |
| Average earning assets | $708,972,600 | 881 |
| Average equity | $62,230,000 | 1,061 |
| Average total loans | $628,644,800 | 745 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5922% | 3,911 |
| Cost of funding earning assets | 1.8627% | 4,088 |
| Net interest margin | 3.7296% | 3,949 |
| Noninterest income to average assets | 0.8922% | 2,013 |
| Noninterest expense to average assets | 3.3725% | 2,658 |
| Loan and lease loss provision to assets | 0.4526% | 3,654 |
| Net operating income to assets | 0.5019% | 3,976 |
| Return on assets (ROA) | 0.7428% | 3,107 |
| Pretax return on assets | 0.7785% | 3,603 |
| Return on Equity (ROE) | 9.1276% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.1276% | 810 |
| Net charge-offs to loans | 0.1924% | 4,857 |
| Credit loss provision to net charge-offs | 286.7483% | 1,458 |
| Earnings coverage of net charge-offs (x) | 6.1927% | 2,651 |
| Efficiency ratio | 77.3840% | 3,262 |
| Assets per employee ($millions) | 3.3366% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,707 |
| Loan loss allowance to noncurrent loans | 41.7987% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 2.9659% | 2,333 |
| Noncurrent loans to loans | 2.6386% | 2,865 |
| Net loans and leases to total assets | 83.9848% | 541 |
| Net loans and leases to deposits | 101.6292% | 958 |
| Net loans and leases to core deposits | 125.9990% | 1,732 |
| Total domestic deposits to total assets | 82.6385% | 4,380 |
| Equity capital to assets | 8.4257% | 6,352 |
| Core capital (leverage) ratio | 8.0855% | 6,209 |
| Tier 1 risk-based capital ratio | 10.3720% | 6,602 |
| Total risk-based capital ratio | 11.5779% | 6,595 |
| Memoranda: | ||
| Average total assets | $758,543,750 | 913 |
| Average earning assets | $703,265,250 | 900 |
| Average equity | $61,730,750 | 1,091 |
| Average total loans | $622,283,250 | 770 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6163% | 3,987 |
| Cost of funding earning assets | 1.9537% | 3,986 |
| Net interest margin | 3.6627% | 4,105 |
| Noninterest income to average assets | 0.8981% | 1,999 |
| Noninterest expense to average assets | 3.4568% | 2,474 |
| Loan and lease loss provision to assets | 0.5806% | 2,699 |
| Net operating income to assets | 0.2289% | 5,161 |
| Return on assets (ROA) | 0.5906% | 3,828 |
| Pretax return on assets | 0.6194% | 4,273 |
| Return on Equity (ROE) | 7.3447% | 3,045 |
| Retained earnings to average equity (ytd only) | 7.3447% | 1,450 |
| Net charge-offs to loans | 0.2780% | 3,807 |
| Credit loss provision to net charge-offs | 257.6112% | 1,804 |
| Earnings coverage of net charge-offs (x) | 3.6347% | 3,365 |
| Efficiency ratio | 80.6937% | 2,934 |
| Assets per employee ($millions) | 3.2430% | 5,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1140% | 5,500 |
| Loan loss allowance to noncurrent loans | 41.8012% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 2.8647% | 2,238 |
| Noncurrent loans to loans | 2.6649% | 2,706 |
| Net loans and leases to total assets | 82.2547% | 912 |
| Net loans and leases to deposits | 99.0319% | 1,387 |
| Net loans and leases to core deposits | 121.8250% | 2,220 |
| Total domestic deposits to total assets | 83.0588% | 4,210 |
| Equity capital to assets | 8.0749% | 6,659 |
| Core capital (leverage) ratio | 7.7712% | 6,646 |
| Tier 1 risk-based capital ratio | 10.0189% | 6,897 |
| Total risk-based capital ratio | 11.2175% | 6,895 |
| Memoranda: | ||
| Average total assets | $757,811,330 | 930 |
| Average earning assets | $698,888,670 | 919 |
| Average equity | $60,941,670 | 1,124 |
| Average total loans | $614,367,000 | 799 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 4,582 |
| Cost of funding earning assets | 2.0585% | 3,833 |
| Net interest margin | 3.5017% | 4,729 |
| Noninterest income to average assets | 0.5459% | 3,964 |
| Noninterest expense to average assets | 3.3834% | 2,403 |
| Loan and lease loss provision to assets | 0.1989% | 4,450 |
| Net operating income to assets | 0.1687% | 5,758 |
| Return on assets (ROA) | 0.8954% | 2,873 |
| Pretax return on assets | 0.9437% | 3,553 |
| Return on Equity (ROE) | 11.1582% | 1,923 |
| Retained earnings to average equity (ytd only) | 11.1582% | 939 |
| Net charge-offs to loans | 0.0623% | 4,582 |
| Credit loss provision to net charge-offs | 398.9362% | 1,305 |
| Earnings coverage of net charge-offs (x) | 7.5745% | 2,324 |
| Efficiency ratio | 89.7884% | 1,733 |
| Assets per employee ($millions) | 3.2545% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,189 |
| Loan loss allowance to noncurrent loans | 49.5065% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 2.5701% | 2,233 |
| Noncurrent loans to loans | 2.0191% | 3,239 |
| Net loans and leases to total assets | 79.9542% | 1,397 |
| Net loans and leases to deposits | 94.4066% | 2,208 |
| Net loans and leases to core deposits | 118.1816% | 2,580 |
| Total domestic deposits to total assets | 84.6913% | 3,366 |
| Equity capital to assets | 8.1655% | 6,578 |
| Core capital (leverage) ratio | 7.8386% | 6,707 |
| Tier 1 risk-based capital ratio | 10.5438% | 6,351 |
| Total risk-based capital ratio | 11.6335% | 6,426 |
| Memoranda: | ||
| Average total assets | $754,038,000 | 927 |
| Average earning assets | $692,341,500 | 925 |
| Average equity | $60,511,500 | 1,136 |
| Average total loans | $603,233,000 | 815 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1736% | 4,646 |
| Cost of funding earning assets | 2.6497% | 3,431 |
| Net interest margin | 3.5239% | 5,214 |
| Noninterest income to average assets | 0.6124% | 3,763 |
| Noninterest expense to average assets | 3.2062% | 3,314 |
| Loan and lease loss provision to assets | 0.6159% | 2,364 |
| Net operating income to assets | 0.0618% | 6,203 |
| Return on assets (ROA) | 0.2048% | 5,651 |
| Pretax return on assets | 0.2253% | 5,672 |
| Return on Equity (ROE) | 2.5966% | 5,385 |
| Retained earnings to average equity (ytd only) | -0.6406% | 5,485 |
| Net charge-offs to loans | 0.4289% | 2,676 |
| Credit loss provision to net charge-offs | 174.9231% | 2,909 |
| Earnings coverage of net charge-offs (x) | 1.9431% | 5,095 |
| Efficiency ratio | 82.2473% | 2,275 |
| Assets per employee ($millions) | 3.2459% | 5,346 |
| Cash dividends to net income (ytd only)* | 124.6693% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9741% | 6,244 |
| Loan loss allowance to noncurrent loans | 77.7571% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.0053% | 2,455 |
| Noncurrent loans to loans | 1.2528% | 4,009 |
| Net loans and leases to total assets | 78.4718% | 2,007 |
| Net loans and leases to deposits | 93.7214% | 2,818 |
| Net loans and leases to core deposits | 113.5506% | 3,391 |
| Total domestic deposits to total assets | 83.7288% | 3,470 |
| Equity capital to assets | 7.8854% | 6,991 |
| Core capital (leverage) ratio | 7.5658% | 7,124 |
| Tier 1 risk-based capital ratio | 10.4215% | 6,293 |
| Total risk-based capital ratio | 11.4885% | 6,345 |
| Memoranda: | ||
| Average total assets | $738,435,600 | 908 |
| Average earning assets | $686,905,000 | 892 |
| Average equity | $58,229,800 | 1,152 |
| Average total loans | $606,199,800 | 788 |