Home > PeoplesBank, a Codorus Valley Company > Performance and Condition Ratios
PeoplesBank, a Codorus Valley Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5068% | 1,150 |
| Cost of funding earning assets | 1.5606% | 1,790 |
| Net interest margin | 3.9462% | 1,282 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.8112% | 1,469 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.3064% | 1,424 |
| Return on assets (ROA) | 1.2925% | 1,419 |
| Pretax return on assets | 1.6481% | 1,154 |
| Return on Equity (ROE) | 12.7300% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.1199% | 987 |
| Net charge-offs to loans | 0.0545% | 1,318 |
| Credit loss provision to net charge-offs | -26.7251% | 4,442 |
| Earnings coverage of net charge-offs (x) | 40.2202% | 1,441 |
| Efficiency ratio | 62.6973% | 2,758 |
| Assets per employee ($millions) | 6.5396% | 2,393 |
| Cash dividends to net income (ytd only)* | 20.4729% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 2,286 |
| Loan loss allowance to noncurrent loans | 568.1906% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 2,315 |
| Noncurrent loans to loans | 0.2115% | 2,465 |
| Net loans and leases to total assets | 76.9600% | 977 |
| Net loans and leases to deposits | 89.8149% | 1,280 |
| Net loans and leases to core deposits | 93.3817% | 1,813 |
| Total domestic deposits to total assets | 85.6800% | 2,117 |
| Equity capital to assets | 10.7911% | 1,588 |
| Core capital (leverage) ratio | 11.9789% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0371% | 1,267 |
| Memoranda: | ||
| Average total assets | $2,195,708,000 | 518 |
| Average earning assets | $2,057,030,600 | 508 |
| Average equity | $223,015,400 | 492 |
| Average total loans | $1,674,984,200 | 477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3950% | 1,141 |
| Cost of funding earning assets | 1.4169% | 1,814 |
| Net interest margin | 3.9781% | 1,257 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.7623% | 1,514 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3262% | 1,482 |
| Return on assets (ROA) | 1.3076% | 1,516 |
| Pretax return on assets | 1.6714% | 1,214 |
| Return on Equity (ROE) | 13.0800% | 1,878 |
| Retained earnings to average equity (ytd only) | 10.4313% | 1,285 |
| Net charge-offs to loans | 0.0642% | 1,022 |
| Credit loss provision to net charge-offs | 73.3499% | 1,787 |
| Earnings coverage of net charge-offs (x) | 35.9166% | 1,504 |
| Efficiency ratio | 61.2115% | 2,816 |
| Assets per employee ($millions) | 6.4910% | 2,334 |
| Cash dividends to net income (ytd only)* | 20.2358% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2576% | 2,064 |
| Loan loss allowance to noncurrent loans | 282.0381% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 1,572 |
| Noncurrent loans to loans | 0.4459% | 1,710 |
| Net loans and leases to total assets | 76.9900% | 998 |
| Net loans and leases to deposits | 88.1544% | 1,370 |
| Net loans and leases to core deposits | 91.4877% | 1,834 |
| Total domestic deposits to total assets | 87.3300% | 1,791 |
| Equity capital to assets | 10.0842% | 1,782 |
| Core capital (leverage) ratio | 11.7469% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8364% | 1,364 |
| Memoranda: | ||
| Average total assets | $2,196,939,500 | 519 |
| Average earning assets | $2,059,645,000 | 505 |
| Average equity | $219,667,000 | 497 |
| Average total loans | $1,667,122,750 | 476 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2607% | 1,129 |
| Cost of funding earning assets | 1.2356% | 1,890 |
| Net interest margin | 4.0251% | 1,200 |
| Noninterest income to average assets | 0.7900% | 881 |
| Noninterest expense to average assets | 2.7105% | 1,613 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.3897% | 1,360 |
| Return on assets (ROA) | 1.3618% | 1,399 |
| Pretax return on assets | 1.7547% | 1,101 |
| Return on Equity (ROE) | 13.6600% | 1,756 |
| Retained earnings to average equity (ytd only) | 11.1698% | 1,156 |
| Net charge-offs to loans | 0.1745% | 452 |
| Credit loss provision to net charge-offs | 31.9473% | 1,736 |
| Earnings coverage of net charge-offs (x) | 14.1040% | 1,884 |
| Efficiency ratio | 59.4311% | 3,028 |
| Assets per employee ($millions) | 6.3032% | 2,468 |
| Cash dividends to net income (ytd only)* | 18.2231% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,293 |
| Loan loss allowance to noncurrent loans | 182.6621% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 1,025 |
| Noncurrent loans to loans | 0.6731% | 1,109 |
| Net loans and leases to total assets | 75.1000% | 1,151 |
| Net loans and leases to deposits | 88.0046% | 1,347 |
| Net loans and leases to core deposits | 91.2058% | 1,724 |
| Total domestic deposits to total assets | 85.3300% | 2,449 |
| Equity capital to assets | 10.0738% | 1,811 |
| Core capital (leverage) ratio | 11.6263% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6612% | 1,393 |
| Memoranda: | ||
| Average total assets | $2,200,099,333 | 504 |
| Average earning assets | $2,063,343,667 | 492 |
| Average equity | $219,360,000 | 488 |
| Average total loans | $1,654,335,667 | 461 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1082% | 1,078 |
| Cost of funding earning assets | 1.0110% | 2,009 |
| Net interest margin | 4.0972% | 1,100 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.6597% | 1,772 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.4360% | 1,316 |
| Return on assets (ROA) | 1.3802% | 1,442 |
| Pretax return on assets | 1.7756% | 1,117 |
| Return on Equity (ROE) | 13.9200% | 1,793 |
| Retained earnings to average equity (ytd only) | 11.4336% | 1,373 |
| Net charge-offs to loans | 0.1490% | 460 |
| Credit loss provision to net charge-offs | 80.5237% | 1,212 |
| Earnings coverage of net charge-offs (x) | 17.7823% | 1,495 |
| Efficiency ratio | 57.3135% | 3,269 |
| Assets per employee ($millions) | 6.6137% | 2,253 |
| Cash dividends to net income (ytd only)* | 17.8336% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 1,998 |
| Loan loss allowance to noncurrent loans | 249.5540% | 2,431 |
| Noncurrent assets plus other real estate owned to assets | 0.4150% | 1,243 |
| Noncurrent loans to loans | 0.5239% | 1,411 |
| Net loans and leases to total assets | 74.0700% | 1,191 |
| Net loans and leases to deposits | 85.7908% | 1,370 |
| Net loans and leases to core deposits | 88.4917% | 1,711 |
| Total domestic deposits to total assets | 86.3400% | 2,494 |
| Equity capital to assets | 10.0900% | 1,772 |
| Core capital (leverage) ratio | 11.4269% | 1,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5375% | 1,480 |
| Memoranda: | ||
| Average total assets | $2,193,943,000 | 516 |
| Average earning assets | $2,058,481,000 | 505 |
| Average equity | $217,603,500 | 498 |
| Average total loans | $1,640,446,000 | 475 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8981% | 1,991 |
| Cost of funding earning assets | 0.3479% | 2,493 |
| Net interest margin | 3.5502% | 1,782 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.5602% | 1,939 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0467% | 2,388 |
| Return on assets (ROA) | 1.0426% | 2,349 |
| Pretax return on assets | 1.3316% | 1,991 |
| Return on Equity (ROE) | 11.0700% | 2,447 |
| Retained earnings to average equity (ytd only) | 8.6482% | 1,584 |
| Net charge-offs to loans | 0.3129% | 241 |
| Credit loss provision to net charge-offs | 58.5494% | 1,785 |
| Earnings coverage of net charge-offs (x) | 6.8165% | 2,325 |
| Efficiency ratio | 63.6438% | 2,548 |
| Assets per employee ($millions) | 6.6028% | 2,252 |
| Cash dividends to net income (ytd only)* | 21.9077% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,046 |
| Loan loss allowance to noncurrent loans | 189.0074% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 968 |
| Noncurrent loans to loans | 0.6718% | 1,111 |
| Net loans and leases to total assets | 73.5500% | 1,261 |
| Net loans and leases to deposits | 82.7835% | 1,556 |
| Net loans and leases to core deposits | 84.9772% | 1,819 |
| Total domestic deposits to total assets | 88.8400% | 1,762 |
| Equity capital to assets | 9.7465% | 1,858 |
| Core capital (leverage) ratio | 10.9647% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3405% | 1,523 |
| Memoranda: | ||
| Average total assets | $2,300,767,800 | 491 |
| Average earning assets | $2,171,361,400 | 473 |
| Average equity | $216,600,600 | 492 |
| Average total loans | $1,577,346,000 | 455 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 2,372 |
| Cost of funding earning assets | 0.2504% | 2,706 |
| Net interest margin | 3.3405% | 2,168 |
| Noninterest income to average assets | 0.6500% | 1,510 |
| Noninterest expense to average assets | 2.5079% | 1,998 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.8653% | 3,018 |
| Return on assets (ROA) | 0.8653% | 2,990 |
| Pretax return on assets | 1.1041% | 2,708 |
| Return on Equity (ROE) | 9.2700% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.8359% | 2,430 |
| Net charge-offs to loans | 0.3398% | 189 |
| Credit loss provision to net charge-offs | 86.1948% | 1,396 |
| Earnings coverage of net charge-offs (x) | 5.7008% | 2,136 |
| Efficiency ratio | 65.8451% | 2,299 |
| Assets per employee ($millions) | 6.7124% | 2,155 |
| Cash dividends to net income (ytd only)* | 26.2444% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 1,646 |
| Loan loss allowance to noncurrent loans | 145.5260% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 743 |
| Noncurrent loans to loans | 0.9549% | 819 |
| Net loans and leases to total assets | 69.9500% | 1,482 |
| Net loans and leases to deposits | 78.0334% | 1,703 |
| Net loans and leases to core deposits | 80.1718% | 1,888 |
| Total domestic deposits to total assets | 89.6400% | 1,814 |
| Equity capital to assets | 9.0598% | 2,170 |
| Core capital (leverage) ratio | 10.3230% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1729% | 1,657 |
| Memoranda: | ||
| Average total assets | $2,327,925,250 | 482 |
| Average earning assets | $2,199,824,500 | 466 |
| Average equity | $217,336,500 | 491 |
| Average total loans | $1,563,429,750 | 457 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2867% | 2,777 |
| Cost of funding earning assets | 0.2051% | 2,852 |
| Net interest margin | 3.0816% | 2,591 |
| Noninterest income to average assets | 0.6609% | 1,497 |
| Noninterest expense to average assets | 2.4358% | 2,128 |
| Loan and lease loss provision to assets | 0.3402% | 181 |
| Net operating income to assets | 0.6325% | 3,534 |
| Return on assets (ROA) | 0.6325% | 3,481 |
| Pretax return on assets | 0.8010% | 3,321 |
| Return on Equity (ROE) | 6.7117% | 3,388 |
| Retained earnings to average equity (ytd only) | 4.2983% | 2,973 |
| Net charge-offs to loans | 0.5051% | 133 |
| Credit loss provision to net charge-offs | 102.1184% | 1,264 |
| Earnings coverage of net charge-offs (x) | 3.4255% | 1,997 |
| Efficiency ratio | 68.0938% | 2,227 |
| Assets per employee ($millions) | 6.7606% | 2,109 |
| Cash dividends to net income (ytd only)* | 35.9591% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4420% | 1,587 |
| Loan loss allowance to noncurrent loans | 141.6228% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.7275% | 738 |
| Noncurrent loans to loans | 1.0182% | 819 |
| Net loans and leases to total assets | 68.3918% | 1,447 |
| Net loans and leases to deposits | 76.4079% | 1,656 |
| Net loans and leases to core deposits | 78.6377% | 1,807 |
| Total domestic deposits to total assets | 89.5089% | 1,942 |
| Equity capital to assets | 9.2333% | 2,208 |
| Core capital (leverage) ratio | 9.8958% | 2,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0330% | 1,696 |
| Memoranda: | ||
| Average total assets | $2,352,107,000 | 471 |
| Average earning assets | $2,225,785,667 | 458 |
| Average equity | $221,671,333 | 486 |
| Average total loans | $1,551,274,333 | 450 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0588% | 3,088 |
| Cost of funding earning assets | 0.2080% | 2,689 |
| Net interest margin | 2.8508% | 2,986 |
| Noninterest income to average assets | 0.6475% | 1,501 |
| Noninterest expense to average assets | 2.3248% | 2,405 |
| Loan and lease loss provision to assets | 0.1722% | 447 |
| Net operating income to assets | 0.6734% | 3,151 |
| Return on assets (ROA) | 0.6734% | 3,136 |
| Pretax return on assets | 0.8533% | 2,930 |
| Return on Equity (ROE) | 7.0763% | 3,014 |
| Retained earnings to average equity (ytd only) | 4.8738% | 2,637 |
| Net charge-offs to loans | 0.4646% | 149 |
| Credit loss provision to net charge-offs | 57.6319% | 1,177 |
| Earnings coverage of net charge-offs (x) | 3.4321% | 1,668 |
| Efficiency ratio | 69.3859% | 2,317 |
| Assets per employee ($millions) | 7.0550% | 1,956 |
| Cash dividends to net income (ytd only)* | 31.1255% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 1,764 |
| Loan loss allowance to noncurrent loans | 72.0708% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 1.2970% | 317 |
| Noncurrent loans to loans | 1.9969% | 369 |
| Net loans and leases to total assets | 64.0171% | 1,617 |
| Net loans and leases to deposits | 71.8057% | 1,796 |
| Net loans and leases to core deposits | 73.9888% | 1,938 |
| Total domestic deposits to total assets | 89.1532% | 2,004 |
| Equity capital to assets | 9.3999% | 2,361 |
| Core capital (leverage) ratio | 9.7736% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5169% | 1,641 |
| Memoranda: | ||
| Average total assets | $2,385,611,500 | 467 |
| Average earning assets | $2,261,691,000 | 455 |
| Average equity | $227,011,500 | 492 |
| Average total loans | $1,534,069,000 | 453 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3153% | 3,158 |
| Cost of funding earning assets | 0.3663% | 1,800 |
| Net interest margin | 2.9490% | 3,327 |
| Noninterest income to average assets | 0.7182% | 1,696 |
| Noninterest expense to average assets | 2.4150% | 2,443 |
| Loan and lease loss provision to assets | 0.1605% | 735 |
| Net operating income to assets | 0.7360% | 3,530 |
| Return on assets (ROA) | 0.7352% | 3,592 |
| Pretax return on assets | 0.9362% | 3,404 |
| Return on Equity (ROE) | 7.4715% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.3337% | 2,654 |
| Net charge-offs to loans | 0.1380% | 673 |
| Credit loss provision to net charge-offs | 170.7692% | 1,405 |
| Earnings coverage of net charge-offs (x) | 11.6769% | 2,144 |
| Efficiency ratio | 68.7469% | 1,892 |
| Assets per employee ($millions) | 7.3848% | 1,674 |
| Cash dividends to net income (ytd only)* | 28.6123% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4816% | 1,628 |
| Loan loss allowance to noncurrent loans | 67.1936% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.4040% | 314 |
| Noncurrent loans to loans | 2.2050% | 335 |
| Net loans and leases to total assets | 62.7305% | 1,857 |
| Net loans and leases to deposits | 70.5269% | 2,071 |
| Net loans and leases to core deposits | 72.7326% | 2,188 |
| Total domestic deposits to total assets | 88.9455% | 1,540 |
| Equity capital to assets | 9.6290% | 3,018 |
| Core capital (leverage) ratio | 9.7468% | 2,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7216% | 1,610 |
| Memoranda: | ||
| Average total assets | $2,281,756,000 | 469 |
| Average earning assets | $2,162,244,600 | 456 |
| Average equity | $224,534,400 | 489 |
| Average total loans | $1,554,606,400 | 458 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3921% | 3,125 |
| Cost of funding earning assets | 0.4058% | 1,659 |
| Net interest margin | 2.9863% | 3,343 |
| Noninterest income to average assets | 0.7065% | 1,804 |
| Noninterest expense to average assets | 2.4037% | 2,428 |
| Loan and lease loss provision to assets | 0.1146% | 1,048 |
| Net operating income to assets | 0.7976% | 3,525 |
| Return on assets (ROA) | 0.7965% | 3,600 |
| Pretax return on assets | 1.0146% | 3,411 |
| Return on Equity (ROE) | 8.0476% | 3,386 |
| Retained earnings to average equity (ytd only) | 5.9506% | 2,840 |
| Net charge-offs to loans | 0.0736% | 918 |
| Credit loss provision to net charge-offs | 224.6512% | 1,158 |
| Earnings coverage of net charge-offs (x) | 22.1698% | 1,687 |
| Efficiency ratio | 68.0078% | 1,836 |
| Assets per employee ($millions) | 6.9669% | 1,895 |
| Cash dividends to net income (ytd only)* | 26.0572% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4563% | 1,790 |
| Loan loss allowance to noncurrent loans | 53.2215% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.8036% | 228 |
| Noncurrent loans to loans | 2.7363% | 255 |
| Net loans and leases to total assets | 64.9526% | 1,662 |
| Net loans and leases to deposits | 73.3900% | 1,918 |
| Net loans and leases to core deposits | 75.9151% | 2,056 |
| Total domestic deposits to total assets | 88.5034% | 1,562 |
| Equity capital to assets | 9.9734% | 2,931 |
| Core capital (leverage) ratio | 9.9485% | 2,571 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7818% | 1,690 |
| Memoranda: | ||
| Average total assets | $2,248,484,000 | 477 |
| Average earning assets | $2,129,112,500 | 466 |
| Average equity | $222,536,750 | 496 |
| Average total loans | $1,558,851,500 | 460 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4111% | 3,147 |
| Cost of funding earning assets | 0.4417% | 1,583 |
| Net interest margin | 2.9694% | 3,395 |
| Noninterest income to average assets | 0.7026% | 1,799 |
| Noninterest expense to average assets | 2.4455% | 2,323 |
| Loan and lease loss provision to assets | 0.1425% | 849 |
| Net operating income to assets | 0.7294% | 3,686 |
| Return on assets (ROA) | 0.7278% | 3,759 |
| Pretax return on assets | 0.9226% | 3,610 |
| Return on Equity (ROE) | 7.3734% | 3,559 |
| Retained earnings to average equity (ytd only) | 5.1852% | 3,120 |
| Net charge-offs to loans | 0.1067% | 710 |
| Credit loss provision to net charge-offs | 189.3541% | 1,068 |
| Earnings coverage of net charge-offs (x) | 14.1842% | 1,675 |
| Efficiency ratio | 69.6139% | 1,692 |
| Assets per employee ($millions) | 6.7050% | 2,017 |
| Cash dividends to net income (ytd only)* | 29.6773% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4213% | 1,880 |
| Loan loss allowance to noncurrent loans | 55.0413% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.7911% | 258 |
| Noncurrent loans to loans | 2.5823% | 314 |
| Net loans and leases to total assets | 68.3723% | 1,400 |
| Net loans and leases to deposits | 77.5504% | 1,673 |
| Net loans and leases to core deposits | 80.4355% | 1,854 |
| Total domestic deposits to total assets | 88.1650% | 1,744 |
| Equity capital to assets | 10.2346% | 2,632 |
| Core capital (leverage) ratio | 9.9769% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0843% | 1,603 |
| Memoranda: | ||
| Average total assets | $2,222,326,000 | 480 |
| Average earning assets | $2,103,022,667 | 470 |
| Average equity | $219,357,000 | 494 |
| Average total loans | $1,567,216,667 | 461 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5029% | 2,918 |
| Cost of funding earning assets | 0.4728% | 1,574 |
| Net interest margin | 3.0301% | 3,178 |
| Noninterest income to average assets | 0.8039% | 1,577 |
| Noninterest expense to average assets | 2.4477% | 2,332 |
| Loan and lease loss provision to assets | 0.2221% | 518 |
| Net operating income to assets | 0.7861% | 3,465 |
| Return on assets (ROA) | 0.7828% | 3,543 |
| Pretax return on assets | 0.9975% | 3,378 |
| Return on Equity (ROE) | 8.0809% | 3,298 |
| Retained earnings to average equity (ytd only) | 5.7529% | 2,984 |
| Net charge-offs to loans | 0.0213% | 1,311 |
| Credit loss provision to net charge-offs | 1,465.4762% | 326 |
| Earnings coverage of net charge-offs (x) | 80.7500% | 700 |
| Efficiency ratio | 66.6634% | 2,137 |
| Assets per employee ($millions) | 6.6920% | 2,005 |
| Cash dividends to net income (ytd only)* | 28.8085% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4073% | 1,925 |
| Loan loss allowance to noncurrent loans | 55.6532% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.7699% | 317 |
| Noncurrent loans to loans | 2.5287% | 366 |
| Net loans and leases to total assets | 69.0058% | 1,410 |
| Net loans and leases to deposits | 79.0246% | 1,609 |
| Net loans and leases to core deposits | 81.9917% | 1,841 |
| Total domestic deposits to total assets | 87.3219% | 2,172 |
| Equity capital to assets | 9.9011% | 2,795 |
| Core capital (leverage) ratio | 10.1652% | 2,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2085% | 1,503 |
| Memoranda: | ||
| Average total assets | $2,217,105,500 | 478 |
| Average earning assets | $2,098,137,000 | 466 |
| Average equity | $214,778,500 | 496 |
| Average total loans | $1,576,522,000 | 458 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9624% | 2,848 |
| Cost of funding earning assets | 0.7796% | 1,303 |
| Net interest margin | 3.1829% | 3,398 |
| Noninterest income to average assets | 0.7907% | 1,556 |
| Noninterest expense to average assets | 2.5006% | 2,850 |
| Loan and lease loss provision to assets | 0.7241% | 210 |
| Net operating income to assets | 0.4545% | 4,129 |
| Return on assets (ROA) | 0.4570% | 4,205 |
| Pretax return on assets | 0.5696% | 4,149 |
| Return on Equity (ROE) | 4.6495% | 3,993 |
| Retained earnings to average equity (ytd only) | 2.4259% | 3,649 |
| Net charge-offs to loans | 0.9313% | 146 |
| Credit loss provision to net charge-offs | 101.3677% | 2,799 |
| Earnings coverage of net charge-offs (x) | 1.8066% | 3,231 |
| Efficiency ratio | 65.9561% | 2,538 |
| Assets per employee ($millions) | 6.2943% | 2,088 |
| Cash dividends to net income (ytd only)* | 47.8247% | 1,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 2,134 |
| Loan loss allowance to noncurrent loans | 53.8738% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.8282% | 333 |
| Noncurrent loans to loans | 2.5292% | 394 |
| Net loans and leases to total assets | 71.2989% | 1,389 |
| Net loans and leases to deposits | 81.0957% | 1,750 |
| Net loans and leases to core deposits | 84.2239% | 2,017 |
| Total domestic deposits to total assets | 87.9195% | 1,517 |
| Equity capital to assets | 9.4621% | 3,649 |
| Core capital (leverage) ratio | 9.4250% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8169% | 1,920 |
| Memoranda: | ||
| Average total assets | $2,026,754,800 | 471 |
| Average earning assets | $1,910,560,400 | 463 |
| Average equity | $199,224,000 | 507 |
| Average total loans | $1,554,503,600 | 432 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0758% | 2,738 |
| Cost of funding earning assets | 0.8498% | 1,261 |
| Net interest margin | 3.2260% | 3,406 |
| Noninterest income to average assets | 0.7580% | 1,626 |
| Noninterest expense to average assets | 2.5250% | 2,763 |
| Loan and lease loss provision to assets | 0.9306% | 163 |
| Net operating income to assets | 0.2817% | 4,471 |
| Return on assets (ROA) | 0.2852% | 4,516 |
| Pretax return on assets | 0.3468% | 4,495 |
| Return on Equity (ROE) | 2.8726% | 4,411 |
| Retained earnings to average equity (ytd only) | 0.4816% | 4,388 |
| Net charge-offs to loans | 1.2081% | 106 |
| Credit loss provision to net charge-offs | 98.8843% | 2,646 |
| Earnings coverage of net charge-offs (x) | 1.3528% | 3,076 |
| Efficiency ratio | 66.4765% | 2,403 |
| Assets per employee ($millions) | 6.3228% | 1,975 |
| Cash dividends to net income (ytd only)* | 83.2356% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3160% | 2,097 |
| Loan loss allowance to noncurrent loans | 103.0558% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9636% | 1,161 |
| Noncurrent loans to loans | 1.2770% | 1,165 |
| Net loans and leases to total assets | 74.4686% | 1,316 |
| Net loans and leases to deposits | 84.8277% | 1,827 |
| Net loans and leases to core deposits | 88.1825% | 2,127 |
| Total domestic deposits to total assets | 87.7881% | 1,305 |
| Equity capital to assets | 9.5268% | 3,665 |
| Core capital (leverage) ratio | 9.3536% | 3,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9262% | 1,852 |
| Memoranda: | ||
| Average total assets | $1,993,706,500 | 469 |
| Average earning assets | $1,878,756,250 | 460 |
| Average equity | $197,959,750 | 502 |
| Average total loans | $1,552,987,000 | 430 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 2,650 |
| Cost of funding earning assets | 0.9332% | 1,225 |
| Net interest margin | 3.3028% | 3,378 |
| Noninterest income to average assets | 0.7246% | 1,654 |
| Noninterest expense to average assets | 2.5868% | 2,707 |
| Loan and lease loss provision to assets | 1.2252% | 135 |
| Net operating income to assets | 0.0398% | 4,738 |
| Return on assets (ROA) | 0.0464% | 4,758 |
| Pretax return on assets | 0.0294% | 4,770 |
| Return on Equity (ROE) | 0.4607% | 4,751 |
| Retained earnings to average equity (ytd only) | -2.2792% | 4,610 |
| Net charge-offs to loans | 1.5591% | 86 |
| Credit loss provision to net charge-offs | 99.7669% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.0162% | 2,891 |
| Efficiency ratio | 67.4513% | 2,314 |
| Assets per employee ($millions) | 6.0993% | 2,089 |
| Cash dividends to net income (ytd only)* | 594.7137% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 2,003 |
| Loan loss allowance to noncurrent loans | 100.6170% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.0162% | 1,182 |
| Noncurrent loans to loans | 1.2917% | 1,205 |
| Net loans and leases to total assets | 77.2668% | 956 |
| Net loans and leases to deposits | 88.1753% | 1,540 |
| Net loans and leases to core deposits | 91.6477% | 1,937 |
| Total domestic deposits to total assets | 87.6286% | 1,364 |
| Equity capital to assets | 9.5796% | 3,581 |
| Core capital (leverage) ratio | 9.3324% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5697% | 1,971 |
| Memoranda: | ||
| Average total assets | $1,956,450,000 | 471 |
| Average earning assets | $1,842,389,000 | 463 |
| Average equity | $197,085,000 | 504 |
| Average total loans | $1,541,040,000 | 423 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5204% | 2,256 |
| Cost of funding earning assets | 1.0595% | 1,183 |
| Net interest margin | 3.4610% | 3,116 |
| Noninterest income to average assets | 0.7172% | 1,581 |
| Noninterest expense to average assets | 2.7668% | 2,525 |
| Loan and lease loss provision to assets | 1.9854% | 71 |
| Net operating income to assets | -0.5883% | 4,944 |
| Return on assets (ROA) | -0.5858% | 4,919 |
| Pretax return on assets | -0.7797% | 4,931 |
| Return on Equity (ROE) | -5.6646% | 4,938 |
| Retained earnings to average equity (ytd only) | -8.3097% | 4,706 |
| Net charge-offs to loans | 2.0404% | 69 |
| Credit loss provision to net charge-offs | 123.1241% | 1,698 |
| Earnings coverage of net charge-offs (x) | 0.7458% | 2,445 |
| Efficiency ratio | 69.6973% | 2,400 |
| Assets per employee ($millions) | 5.5449% | 2,067 |
| Cash dividends to net income (ytd only)* | -46.6954% | 5,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5353% | 1,233 |
| Loan loss allowance to noncurrent loans | 80.9887% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5177% | 696 |
| Noncurrent loans to loans | 1.8957% | 776 |
| Net loans and leases to total assets | 76.3436% | 1,242 |
| Net loans and leases to deposits | 89.1491% | 1,617 |
| Net loans and leases to core deposits | 93.6111% | 2,006 |
| Total domestic deposits to total assets | 85.6358% | 2,152 |
| Equity capital to assets | 10.2111% | 3,597 |
| Core capital (leverage) ratio | 10.0076% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9490% | 2,310 |
| Memoranda: | ||
| Average total assets | $1,900,839,000 | 467 |
| Average earning assets | $1,786,198,000 | 459 |
| Average equity | $196,590,000 | 506 |
| Average total loans | $1,502,228,500 | 422 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9449% | 1,625 |
| Cost of funding earning assets | 1.2143% | 996 |
| Net interest margin | 3.7306% | 2,731 |
| Noninterest income to average assets | 0.7555% | 1,606 |
| Noninterest expense to average assets | 2.7784% | 2,671 |
| Loan and lease loss provision to assets | 0.1330% | 1,603 |
| Net operating income to assets | 1.0516% | 2,649 |
| Return on assets (ROA) | 1.0512% | 2,746 |
| Pretax return on assets | 1.3366% | 2,370 |
| Return on Equity (ROE) | 10.0823% | 2,262 |
| Retained earnings to average equity (ytd only) | 7.5110% | 1,165 |
| Net charge-offs to loans | 0.0352% | 2,683 |
| Credit loss provision to net charge-offs | 464.0152% | 626 |
| Earnings coverage of net charge-offs (x) | 51.2992% | 1,108 |
| Efficiency ratio | 65.3939% | 2,854 |
| Assets per employee ($millions) | 5.3804% | 2,168 |
| Cash dividends to net income (ytd only)* | 25.5034% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 1,563 |
| Loan loss allowance to noncurrent loans | 84.1630% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.3715% | 772 |
| Noncurrent loans to loans | 1.6500% | 840 |
| Net loans and leases to total assets | 79.4350% | 864 |
| Net loans and leases to deposits | 93.8548% | 1,168 |
| Net loans and leases to core deposits | 98.5169% | 1,693 |
| Total domestic deposits to total assets | 84.6360% | 2,631 |
| Equity capital to assets | 10.4760% | 3,473 |
| Core capital (leverage) ratio | 10.3610% | 3,114 |
| Tier 1 risk-based capital ratio | 12.8803% | 3,855 |
| Total risk-based capital ratio | 14.1321% | 3,734 |
| Memoranda: | ||
| Average total assets | $1,842,575,000 | 458 |
| Average earning assets | $1,725,169,400 | 452 |
| Average equity | $192,118,000 | 489 |
| Average total loans | $1,497,951,600 | 406 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 1,633 |
| Cost of funding earning assets | 1.2252% | 966 |
| Net interest margin | 3.7406% | 2,785 |
| Noninterest income to average assets | 0.7523% | 1,587 |
| Noninterest expense to average assets | 2.7292% | 2,784 |
| Loan and lease loss provision to assets | 0.1637% | 1,140 |
| Net operating income to assets | 1.0720% | 2,679 |
| Return on assets (ROA) | 1.0720% | 2,768 |
| Pretax return on assets | 1.3600% | 2,463 |
| Return on Equity (ROE) | 10.2938% | 2,308 |
| Retained earnings to average equity (ytd only) | 7.7785% | 1,503 |
| Net charge-offs to loans | 0.0205% | 2,700 |
| Credit loss provision to net charge-offs | 978.2609% | 364 |
| Earnings coverage of net charge-offs (x) | 91.0519% | 798 |
| Efficiency ratio | 64.1666% | 2,980 |
| Assets per employee ($millions) | 5.2854% | 2,242 |
| Cash dividends to net income (ytd only)* | 24.4349% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,533 |
| Loan loss allowance to noncurrent loans | 65.9541% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.8066% | 548 |
| Noncurrent loans to loans | 2.1387% | 614 |
| Net loans and leases to total assets | 79.2847% | 942 |
| Net loans and leases to deposits | 94.6448% | 1,161 |
| Net loans and leases to core deposits | 99.4185% | 1,706 |
| Total domestic deposits to total assets | 83.7708% | 2,907 |
| Equity capital to assets | 10.4827% | 3,556 |
| Core capital (leverage) ratio | 10.3131% | 3,299 |
| Tier 1 risk-based capital ratio | 12.7767% | 3,970 |
| Total risk-based capital ratio | 14.0287% | 3,864 |
| Memoranda: | ||
| Average total assets | $1,832,433,750 | 460 |
| Average earning assets | $1,714,889,750 | 453 |
| Average equity | $190,828,250 | 494 |
| Average total loans | $1,493,205,000 | 408 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 1,547 |
| Cost of funding earning assets | 1.2213% | 935 |
| Net interest margin | 3.7538% | 2,740 |
| Noninterest income to average assets | 0.7538% | 1,505 |
| Noninterest expense to average assets | 2.7209% | 2,840 |
| Loan and lease loss provision to assets | 0.2471% | 626 |
| Net operating income to assets | 1.0269% | 2,815 |
| Return on assets (ROA) | 1.0266% | 2,898 |
| Pretax return on assets | 1.2990% | 2,560 |
| Return on Equity (ROE) | 9.8803% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.5025% | 1,594 |
| Net charge-offs to loans | 0.0295% | 2,266 |
| Credit loss provision to net charge-offs | 1,022.7273% | 338 |
| Earnings coverage of net charge-offs (x) | 64.0136% | 950 |
| Efficiency ratio | 63.7554% | 3,170 |
| Assets per employee ($millions) | 5.3608% | 2,095 |
| Cash dividends to net income (ytd only)* | 24.0667% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 1,502 |
| Loan loss allowance to noncurrent loans | 84.1340% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 1.4617% | 780 |
| Noncurrent loans to loans | 1.6975% | 898 |
| Net loans and leases to total assets | 79.4779% | 969 |
| Net loans and leases to deposits | 95.0775% | 1,141 |
| Net loans and leases to core deposits | 99.8275% | 1,738 |
| Total domestic deposits to total assets | 83.5927% | 3,017 |
| Equity capital to assets | 10.5631% | 3,463 |
| Core capital (leverage) ratio | 10.4201% | 3,173 |
| Tier 1 risk-based capital ratio | 12.9728% | 3,851 |
| Total risk-based capital ratio | 14.2252% | 3,761 |
| Memoranda: | ||
| Average total assets | $1,821,332,670 | 462 |
| Average earning assets | $1,704,712,330 | 452 |
| Average equity | $189,244,670 | 494 |
| Average total loans | $1,490,804,000 | 410 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9227% | 1,535 |
| Cost of funding earning assets | 1.2334% | 814 |
| Net interest margin | 3.6893% | 2,935 |
| Noninterest income to average assets | 0.7121% | 1,569 |
| Noninterest expense to average assets | 2.7432% | 2,766 |
| Loan and lease loss provision to assets | 0.2317% | 654 |
| Net operating income to assets | 0.9459% | 3,067 |
| Return on assets (ROA) | 0.9452% | 3,112 |
| Pretax return on assets | 1.1886% | 2,848 |
| Return on Equity (ROE) | 9.1737% | 2,718 |
| Retained earnings to average equity (ytd only) | 7.0318% | 2,026 |
| Net charge-offs to loans | 0.0302% | 1,849 |
| Credit loss provision to net charge-offs | 929.2035% | 394 |
| Earnings coverage of net charge-offs (x) | 56.9912% | 945 |
| Efficiency ratio | 65.8683% | 2,959 |
| Assets per employee ($millions) | 5.2798% | 2,192 |
| Cash dividends to net income (ytd only)* | 23.3481% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 1,922 |
| Loan loss allowance to noncurrent loans | 73.3579% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 1.5992% | 716 |
| Noncurrent loans to loans | 1.8251% | 843 |
| Net loans and leases to total assets | 81.2388% | 678 |
| Net loans and leases to deposits | 98.2174% | 769 |
| Net loans and leases to core deposits | 102.7791% | 1,396 |
| Total domestic deposits to total assets | 82.7132% | 3,498 |
| Equity capital to assets | 10.3756% | 3,445 |
| Core capital (leverage) ratio | 10.3884% | 3,176 |
| Tier 1 risk-based capital ratio | 12.6090% | 4,092 |
| Total risk-based capital ratio | 13.8603% | 3,974 |
| Memoranda: | ||
| Average total assets | $1,812,621,000 | 468 |
| Average earning assets | $1,696,154,500 | 459 |
| Average equity | $186,752,000 | 495 |
| Average total loans | $1,494,917,000 | 411 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 1,402 |
| Cost of funding earning assets | 0.9672% | 853 |
| Net interest margin | 3.8890% | 2,363 |
| Noninterest income to average assets | 0.7565% | 1,616 |
| Noninterest expense to average assets | 2.7968% | 2,704 |
| Loan and lease loss provision to assets | 0.1533% | 1,380 |
| Net operating income to assets | 1.1467% | 2,402 |
| Return on assets (ROA) | 1.1467% | 2,399 |
| Pretax return on assets | 1.4595% | 1,917 |
| Return on Equity (ROE) | 11.4399% | 1,923 |
| Retained earnings to average equity (ytd only) | 8.8052% | 935 |
| Net charge-offs to loans | 0.0168% | 3,126 |
| Credit loss provision to net charge-offs | 1,102.0408% | 354 |
| Earnings coverage of net charge-offs (x) | 115.9102% | 664 |
| Efficiency ratio | 63.4180% | 3,274 |
| Assets per employee ($millions) | 5.1831% | 2,285 |
| Cash dividends to net income (ytd only)* | 23.0312% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,121 |
| Loan loss allowance to noncurrent loans | 95.8494% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 1.2046% | 1,083 |
| Noncurrent loans to loans | 1.3405% | 1,172 |
| Net loans and leases to total assets | 81.5441% | 723 |
| Net loans and leases to deposits | 98.1490% | 887 |
| Net loans and leases to core deposits | 102.2477% | 1,560 |
| Total domestic deposits to total assets | 83.0820% | 3,304 |
| Equity capital to assets | 10.2294% | 3,443 |
| Core capital (leverage) ratio | 10.2501% | 3,305 |
| Tier 1 risk-based capital ratio | 12.5924% | 4,080 |
| Total risk-based capital ratio | 13.8431% | 3,959 |
| Memoranda: | ||
| Average total assets | $1,760,750,000 | 467 |
| Average earning assets | $1,653,932,600 | 455 |
| Average equity | $176,486,800 | 498 |
| Average total loans | $1,456,908,600 | 411 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8000% | 1,430 |
| Cost of funding earning assets | 0.8973% | 932 |
| Net interest margin | 3.9027% | 2,289 |
| Noninterest income to average assets | 0.7671% | 1,592 |
| Noninterest expense to average assets | 2.7760% | 2,721 |
| Loan and lease loss provision to assets | 0.1371% | 1,460 |
| Net operating income to assets | 1.1972% | 2,251 |
| Return on assets (ROA) | 1.1972% | 2,257 |
| Pretax return on assets | 1.5226% | 1,830 |
| Return on Equity (ROE) | 12.0079% | 1,790 |
| Retained earnings to average equity (ytd only) | 9.4098% | 1,074 |
| Net charge-offs to loans | 0.0235% | 2,664 |
| Credit loss provision to net charge-offs | 705.8824% | 526 |
| Earnings coverage of net charge-offs (x) | 85.4317% | 847 |
| Efficiency ratio | 62.5754% | 3,412 |
| Assets per employee ($millions) | 5.1641% | 2,257 |
| Cash dividends to net income (ytd only)* | 21.6368% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,528 |
| Loan loss allowance to noncurrent loans | 514.6486% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2955% | 3,506 |
| Noncurrent loans to loans | 0.2365% | 3,853 |
| Net loans and leases to total assets | 82.3432% | 655 |
| Net loans and leases to deposits | 100.4708% | 740 |
| Net loans and leases to core deposits | 104.9163% | 1,386 |
| Total domestic deposits to total assets | 81.9573% | 3,622 |
| Equity capital to assets | 9.9930% | 3,655 |
| Core capital (leverage) ratio | 10.1810% | 3,428 |
| Tier 1 risk-based capital ratio | 12.2947% | 4,322 |
| Total risk-based capital ratio | 13.5320% | 4,217 |
| Memoranda: | ||
| Average total assets | $1,750,006,250 | 466 |
| Average earning assets | $1,645,033,750 | 457 |
| Average equity | $174,481,000 | 497 |
| Average total loans | $1,448,642,000 | 411 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 1,477 |
| Cost of funding earning assets | 0.8354% | 985 |
| Net interest margin | 3.8759% | 2,285 |
| Noninterest income to average assets | 0.7796% | 1,538 |
| Noninterest expense to average assets | 2.8377% | 2,549 |
| Loan and lease loss provision to assets | 0.0577% | 2,754 |
| Net operating income to assets | 1.2037% | 2,181 |
| Return on assets (ROA) | 1.2037% | 2,182 |
| Pretax return on assets | 1.5298% | 1,709 |
| Return on Equity (ROE) | 12.0825% | 1,694 |
| Retained earnings to average equity (ytd only) | 9.5937% | 1,040 |
| Net charge-offs to loans | 0.0059% | 2,939 |
| Credit loss provision to net charge-offs | 1,190.4762% | 356 |
| Earnings coverage of net charge-offs (x) | 327.7619% | 281 |
| Efficiency ratio | 64.1206% | 3,299 |
| Assets per employee ($millions) | 5.2228% | 2,174 |
| Cash dividends to net income (ytd only)* | 20.5978% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,896 |
| Loan loss allowance to noncurrent loans | 301.5122% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3311% | 3,438 |
| Noncurrent loans to loans | 0.3871% | 3,309 |
| Net loans and leases to total assets | 81.7569% | 734 |
| Net loans and leases to deposits | 100.3055% | 786 |
| Net loans and leases to core deposits | 104.6711% | 1,341 |
| Total domestic deposits to total assets | 81.5079% | 3,867 |
| Equity capital to assets | 9.9296% | 3,693 |
| Core capital (leverage) ratio | 10.1558% | 3,414 |
| Tier 1 risk-based capital ratio | 12.2165% | 4,364 |
| Total risk-based capital ratio | 13.3989% | 4,285 |
| Memoranda: | ||
| Average total assets | $1,734,301,670 | 470 |
| Average earning assets | $1,631,273,000 | 459 |
| Average equity | $172,779,330 | 498 |
| Average total loans | $1,432,176,000 | 412 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 1,517 |
| Cost of funding earning assets | 0.7848% | 1,020 |
| Net interest margin | 3.8315% | 2,296 |
| Noninterest income to average assets | 0.7507% | 1,620 |
| Noninterest expense to average assets | 3.0624% | 1,915 |
| Loan and lease loss provision to assets | 0.0467% | 2,837 |
| Net operating income to assets | 0.9858% | 2,909 |
| Return on assets (ROA) | 0.9858% | 2,941 |
| Pretax return on assets | 1.2442% | 2,584 |
| Return on Equity (ROE) | 9.8780% | 2,496 |
| Retained earnings to average equity (ytd only) | 7.7728% | 1,930 |
| Net charge-offs to loans | 0.0065% | 2,499 |
| Credit loss provision to net charge-offs | 869.5652% | 384 |
| Earnings coverage of net charge-offs (x) | 240.4348% | 281 |
| Efficiency ratio | 70.3416% | 2,433 |
| Assets per employee ($millions) | 5.3137% | 2,127 |
| Cash dividends to net income (ytd only)* | 21.3119% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1830% | 2,913 |
| Loan loss allowance to noncurrent loans | 300.3740% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.3331% | 3,505 |
| Noncurrent loans to loans | 0.3938% | 3,376 |
| Net loans and leases to total assets | 81.8330% | 684 |
| Net loans and leases to deposits | 100.1849% | 692 |
| Net loans and leases to core deposits | 104.6696% | 1,331 |
| Total domestic deposits to total assets | 81.6820% | 4,043 |
| Equity capital to assets | 9.9773% | 3,618 |
| Core capital (leverage) ratio | 10.2207% | 3,277 |
| Tier 1 risk-based capital ratio | 12.1157% | 4,489 |
| Total risk-based capital ratio | 13.3024% | 4,408 |
| Memoranda: | ||
| Average total assets | $1,713,570,000 | 478 |
| Average earning assets | $1,611,180,000 | 466 |
| Average equity | $171,005,500 | 507 |
| Average total loans | $1,413,785,500 | 414 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,663 |
| Cost of funding earning assets | 0.6775% | 1,146 |
| Net interest margin | 3.8384% | 2,290 |
| Noninterest income to average assets | 0.6929% | 1,996 |
| Noninterest expense to average assets | 2.6777% | 3,204 |
| Loan and lease loss provision to assets | 0.2512% | 740 |
| Net operating income to assets | 0.7466% | 3,405 |
| Return on assets (ROA) | 0.7497% | 3,433 |
| Pretax return on assets | 1.3708% | 2,090 |
| Return on Equity (ROE) | 7.4714% | 3,051 |
| Retained earnings to average equity (ytd only) | 5.3243% | 1,913 |
| Net charge-offs to loans | 0.1833% | 1,371 |
| Credit loss provision to net charge-offs | 168.4826% | 1,595 |
| Earnings coverage of net charge-offs (x) | 10.8454% | 2,628 |
| Efficiency ratio | 62.3373% | 3,890 |
| Assets per employee ($millions) | 5.2316% | 2,218 |
| Cash dividends to net income (ytd only)* | 28.7366% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,835 |
| Loan loss allowance to noncurrent loans | 325.4485% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 3,633 |
| Noncurrent loans to loans | 0.3658% | 3,454 |
| Net loans and leases to total assets | 81.2164% | 796 |
| Net loans and leases to deposits | 99.8508% | 740 |
| Net loans and leases to core deposits | 104.5705% | 1,370 |
| Total domestic deposits to total assets | 81.3378% | 4,042 |
| Equity capital to assets | 9.9817% | 3,731 |
| Core capital (leverage) ratio | 10.0472% | 3,395 |
| Tier 1 risk-based capital ratio | 12.0434% | 4,496 |
| Total risk-based capital ratio | 13.2335% | 4,425 |
| Memoranda: | ||
| Average total assets | $1,661,781,400 | 472 |
| Average earning assets | $1,559,467,600 | 462 |
| Average equity | $166,743,600 | 500 |
| Average total loans | $1,351,550,400 | 417 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4634% | 1,748 |
| Cost of funding earning assets | 0.6593% | 1,183 |
| Net interest margin | 3.8041% | 2,380 |
| Noninterest income to average assets | 0.6724% | 2,115 |
| Noninterest expense to average assets | 2.6544% | 3,233 |
| Loan and lease loss provision to assets | 0.2887% | 548 |
| Net operating income to assets | 0.8756% | 3,147 |
| Return on assets (ROA) | 0.8798% | 3,178 |
| Pretax return on assets | 1.3062% | 2,455 |
| Return on Equity (ROE) | 8.7568% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.7071% | 1,838 |
| Net charge-offs to loans | 0.1767% | 1,194 |
| Credit loss provision to net charge-offs | 201.4085% | 1,335 |
| Earnings coverage of net charge-offs (x) | 11.0811% | 2,533 |
| Efficiency ratio | 62.5526% | 3,807 |
| Assets per employee ($millions) | 5.1745% | 2,256 |
| Cash dividends to net income (ytd only)* | 23.4074% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,960 |
| Loan loss allowance to noncurrent loans | 262.7034% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 3,486 |
| Noncurrent loans to loans | 0.4545% | 3,341 |
| Net loans and leases to total assets | 83.6578% | 469 |
| Net loans and leases to deposits | 104.8163% | 456 |
| Net loans and leases to core deposits | 109.1402% | 1,083 |
| Total domestic deposits to total assets | 79.8137% | 4,360 |
| Equity capital to assets | 10.2480% | 3,643 |
| Core capital (leverage) ratio | 10.1125% | 3,428 |
| Tier 1 risk-based capital ratio | 11.9363% | 4,674 |
| Total risk-based capital ratio | 13.1281% | 4,590 |
| Memoranda: | ||
| Average total assets | $1,650,849,750 | 478 |
| Average earning assets | $1,549,507,000 | 468 |
| Average equity | $165,870,000 | 508 |
| Average total loans | $1,338,977,500 | 422 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 1,910 |
| Cost of funding earning assets | 0.6425% | 1,192 |
| Net interest margin | 3.7288% | 2,549 |
| Noninterest income to average assets | 0.6716% | 2,121 |
| Noninterest expense to average assets | 2.6716% | 3,194 |
| Loan and lease loss provision to assets | 0.1791% | 1,062 |
| Net operating income to assets | 0.8898% | 2,967 |
| Return on assets (ROA) | 0.8950% | 2,995 |
| Pretax return on assets | 1.3293% | 2,271 |
| Return on Equity (ROE) | 8.9673% | 2,525 |
| Retained earnings to average equity (ytd only) | 7.1111% | 1,538 |
| Net charge-offs to loans | 0.0079% | 3,175 |
| Credit loss provision to net charge-offs | 2,836.5385% | 153 |
| Earnings coverage of net charge-offs (x) | 237.7308% | 357 |
| Efficiency ratio | 64.0228% | 3,665 |
| Assets per employee ($millions) | 5.2252% | 2,132 |
| Cash dividends to net income (ytd only)* | 20.6999% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2104% | 2,957 |
| Loan loss allowance to noncurrent loans | 227.2601% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4374% | 3,365 |
| Noncurrent loans to loans | 0.5326% | 3,163 |
| Net loans and leases to total assets | 80.3745% | 890 |
| Net loans and leases to deposits | 100.7163% | 685 |
| Net loans and leases to core deposits | 104.9413% | 1,298 |
| Total domestic deposits to total assets | 79.8029% | 4,453 |
| Equity capital to assets | 10.0611% | 3,840 |
| Core capital (leverage) ratio | 9.9711% | 3,572 |
| Tier 1 risk-based capital ratio | 12.0344% | 4,611 |
| Total risk-based capital ratio | 13.2268% | 4,534 |
| Memoranda: | ||
| Average total assets | $1,647,461,670 | 482 |
| Average earning assets | $1,546,702,330 | 470 |
| Average equity | $164,420,000 | 513 |
| Average total loans | $1,316,516,670 | 432 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2940% | 1,964 |
| Cost of funding earning assets | 0.6180% | 1,250 |
| Net interest margin | 3.6760% | 2,575 |
| Noninterest income to average assets | 0.6721% | 2,082 |
| Noninterest expense to average assets | 2.6881% | 3,189 |
| Loan and lease loss provision to assets | 0.1588% | 1,137 |
| Net operating income to assets | 0.8673% | 2,914 |
| Return on assets (ROA) | 0.8673% | 2,968 |
| Pretax return on assets | 1.2769% | 2,325 |
| Return on Equity (ROE) | 8.7260% | 2,552 |
| Retained earnings to average equity (ytd only) | 7.4973% | 1,652 |
| Net charge-offs to loans | -0.0191% | 4,720 |
| Credit loss provision to net charge-offs | -1,048.3871% | 4,434 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1741% | 3,637 |
| Assets per employee ($millions) | 5.3266% | 2,046 |
| Cash dividends to net income (ytd only)* | 14.0805% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 3,198 |
| Loan loss allowance to noncurrent loans | 448.0456% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 4,363 |
| Noncurrent loans to loans | 0.2654% | 4,162 |
| Net loans and leases to total assets | 78.2636% | 1,095 |
| Net loans and leases to deposits | 100.0030% | 614 |
| Net loans and leases to core deposits | 104.1880% | 1,211 |
| Total domestic deposits to total assets | 78.2612% | 4,936 |
| Equity capital to assets | 9.8684% | 3,910 |
| Core capital (leverage) ratio | 10.2088% | 3,230 |
| Tier 1 risk-based capital ratio | 12.1142% | 4,641 |
| Total risk-based capital ratio | 13.2822% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,637,766,500 | 484 |
| Average earning assets | $1,537,761,000 | 474 |
| Average equity | $162,778,500 | 513 |
| Average total loans | $1,296,705,500 | 437 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 1,790 |
| Cost of funding earning assets | 0.5950% | 1,375 |
| Net interest margin | 3.8140% | 2,264 |
| Noninterest income to average assets | 0.6631% | 2,352 |
| Noninterest expense to average assets | 2.7384% | 3,233 |
| Loan and lease loss provision to assets | 0.1999% | 1,158 |
| Net operating income to assets | 0.8948% | 2,857 |
| Return on assets (ROA) | 0.9036% | 2,914 |
| Pretax return on assets | 1.3254% | 2,193 |
| Return on Equity (ROE) | 8.5659% | 2,631 |
| Retained earnings to average equity (ytd only) | 6.7967% | 1,308 |
| Net charge-offs to loans | 0.0600% | 2,850 |
| Credit loss provision to net charge-offs | 421.3483% | 763 |
| Earnings coverage of net charge-offs (x) | 31.8806% | 1,379 |
| Efficiency ratio | 64.4128% | 3,864 |
| Assets per employee ($millions) | 5.2904% | 2,072 |
| Cash dividends to net income (ytd only)* | 20.6533% | 3,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,255 |
| Loan loss allowance to noncurrent loans | 389.7063% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 3,645 |
| Noncurrent loans to loans | 0.3022% | 4,054 |
| Net loans and leases to total assets | 78.2117% | 1,174 |
| Net loans and leases to deposits | 99.2493% | 721 |
| Net loans and leases to core deposits | 103.9904% | 1,284 |
| Total domestic deposits to total assets | 78.8033% | 4,837 |
| Equity capital to assets | 10.0123% | 3,712 |
| Core capital (leverage) ratio | 10.5287% | 2,851 |
| Tier 1 risk-based capital ratio | 12.3828% | 4,456 |
| Total risk-based capital ratio | 13.5443% | 4,393 |
| Memoranda: | ||
| Average total assets | $1,500,957,800 | 510 |
| Average earning assets | $1,411,864,800 | 493 |
| Average equity | $158,326,200 | 505 |
| Average total loans | $1,186,113,000 | 447 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 1,795 |
| Cost of funding earning assets | 0.5991% | 1,338 |
| Net interest margin | 3.8210% | 2,260 |
| Noninterest income to average assets | 0.6609% | 2,361 |
| Noninterest expense to average assets | 2.7802% | 3,074 |
| Loan and lease loss provision to assets | 0.2171% | 958 |
| Net operating income to assets | 0.8643% | 3,081 |
| Return on assets (ROA) | 0.8764% | 3,152 |
| Pretax return on assets | 1.2787% | 2,507 |
| Return on Equity (ROE) | 8.1951% | 2,911 |
| Retained earnings to average equity (ytd only) | 6.6187% | 1,838 |
| Net charge-offs to loans | 0.1006% | 1,940 |
| Credit loss provision to net charge-offs | 273.0375% | 1,123 |
| Earnings coverage of net charge-offs (x) | 18.5939% | 1,985 |
| Efficiency ratio | 65.2762% | 3,716 |
| Assets per employee ($millions) | 5.1864% | 2,153 |
| Cash dividends to net income (ytd only)* | 19.2363% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 3,404 |
| Loan loss allowance to noncurrent loans | 529.5979% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3527% | 3,996 |
| Noncurrent loans to loans | 0.2217% | 4,476 |
| Net loans and leases to total assets | 78.8050% | 1,065 |
| Net loans and leases to deposits | 97.8172% | 873 |
| Net loans and leases to core deposits | 101.9705% | 1,485 |
| Total domestic deposits to total assets | 80.5636% | 4,369 |
| Equity capital to assets | 10.6428% | 3,416 |
| Core capital (leverage) ratio | 10.3175% | 3,212 |
| Tier 1 risk-based capital ratio | 12.7329% | 4,323 |
| Total risk-based capital ratio | 13.8873% | 4,292 |
| Memoranda: | ||
| Average total assets | $1,474,123,250 | 517 |
| Average earning assets | $1,387,935,750 | 503 |
| Average equity | $157,650,750 | 505 |
| Average total loans | $1,164,424,250 | 451 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 1,774 |
| Cost of funding earning assets | 0.5901% | 1,395 |
| Net interest margin | 3.8284% | 2,214 |
| Noninterest income to average assets | 0.6406% | 2,413 |
| Noninterest expense to average assets | 2.8153% | 2,981 |
| Loan and lease loss provision to assets | 0.2193% | 952 |
| Net operating income to assets | 0.8298% | 3,175 |
| Return on assets (ROA) | 0.8481% | 3,232 |
| Pretax return on assets | 1.2370% | 2,644 |
| Return on Equity (ROE) | 7.9173% | 3,022 |
| Retained earnings to average equity (ytd only) | 6.7233% | 1,754 |
| Net charge-offs to loans | 0.1299% | 1,553 |
| Credit loss provision to net charge-offs | 214.4772% | 1,242 |
| Earnings coverage of net charge-offs (x) | 13.9812% | 2,087 |
| Efficiency ratio | 66.3093% | 3,627 |
| Assets per employee ($millions) | 5.1393% | 2,154 |
| Cash dividends to net income (ytd only)* | 15.0800% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 3,584 |
| Loan loss allowance to noncurrent loans | 536.5255% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 4,050 |
| Noncurrent loans to loans | 0.2161% | 4,574 |
| Net loans and leases to total assets | 77.0022% | 1,338 |
| Net loans and leases to deposits | 96.1060% | 1,071 |
| Net loans and leases to core deposits | 100.0942% | 1,626 |
| Total domestic deposits to total assets | 80.1221% | 4,509 |
| Equity capital to assets | 10.6288% | 3,498 |
| Core capital (leverage) ratio | 10.6759% | 2,757 |
| Tier 1 risk-based capital ratio | 12.9605% | 4,225 |
| Total risk-based capital ratio | 14.0992% | 4,199 |
| Memoranda: | ||
| Average total assets | $1,458,960,670 | 522 |
| Average earning assets | $1,373,631,670 | 507 |
| Average equity | $156,291,330 | 508 |
| Average total loans | $1,148,647,330 | 456 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4323% | 1,704 |
| Cost of funding earning assets | 0.5873% | 1,427 |
| Net interest margin | 3.8450% | 2,124 |
| Noninterest income to average assets | 0.6139% | 2,448 |
| Noninterest expense to average assets | 2.8604% | 2,846 |
| Loan and lease loss provision to assets | 0.2225% | 854 |
| Net operating income to assets | 0.7930% | 3,281 |
| Return on assets (ROA) | 0.8303% | 3,224 |
| Pretax return on assets | 1.2088% | 2,669 |
| Return on Equity (ROE) | 7.7189% | 3,078 |
| Retained earnings to average equity (ytd only) | 7.7189% | 1,585 |
| Net charge-offs to loans | 0.1455% | 1,243 |
| Credit loss provision to net charge-offs | 193.2367% | 1,108 |
| Earnings coverage of net charge-offs (x) | 11.9614% | 1,826 |
| Efficiency ratio | 67.4915% | 3,546 |
| Assets per employee ($millions) | 4.9603% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1360% | 3,857 |
| Loan loss allowance to noncurrent loans | 357.3574% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 3,780 |
| Noncurrent loans to loans | 0.3179% | 4,293 |
| Net loans and leases to total assets | 80.0242% | 805 |
| Net loans and leases to deposits | 101.3824% | 540 |
| Net loans and leases to core deposits | 105.0965% | 1,133 |
| Total domestic deposits to total assets | 78.9330% | 4,981 |
| Equity capital to assets | 11.0010% | 2,940 |
| Core capital (leverage) ratio | 10.7791% | 2,641 |
| Tier 1 risk-based capital ratio | 13.1602% | 4,161 |
| Total risk-based capital ratio | 14.2932% | 4,158 |
| Memoranda: | ||
| Average total assets | $1,438,104,500 | 525 |
| Average earning assets | $1,355,420,000 | 509 |
| Average equity | $154,685,000 | 511 |
| Average total loans | $1,138,416,500 | 459 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4060% | 1,881 |
| Cost of funding earning assets | 0.6266% | 1,202 |
| Net interest margin | 3.7794% | 2,449 |
| Noninterest income to average assets | 0.6861% | 2,268 |
| Noninterest expense to average assets | 2.7833% | 3,310 |
| Loan and lease loss provision to assets | 0.2594% | 727 |
| Net operating income to assets | 0.8394% | 3,159 |
| Return on assets (ROA) | 0.8649% | 3,120 |
| Pretax return on assets | 1.2419% | 2,497 |
| Return on Equity (ROE) | 8.7747% | 2,579 |
| Retained earnings to average equity (ytd only) | -3.3430% | 5,840 |
| Net charge-offs to loans | 0.1894% | 1,530 |
| Credit loss provision to net charge-offs | 178.7538% | 1,519 |
| Earnings coverage of net charge-offs (x) | 10.0940% | 2,736 |
| Efficiency ratio | 65.5082% | 3,983 |
| Assets per employee ($millions) | 5.1510% | 2,177 |
| Cash dividends to net income (ytd only)* | 138.0977% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1297% | 3,867 |
| Loan loss allowance to noncurrent loans | 341.7810% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 3,783 |
| Noncurrent loans to loans | 0.3305% | 4,277 |
| Net loans and leases to total assets | 76.5391% | 1,327 |
| Net loans and leases to deposits | 100.2509% | 655 |
| Net loans and leases to core deposits | 103.8148% | 1,233 |
| Total domestic deposits to total assets | 76.3475% | 5,407 |
| Equity capital to assets | 10.5163% | 3,342 |
| Core capital (leverage) ratio | 10.6012% | 2,824 |
| Tier 1 risk-based capital ratio | 13.0953% | 4,249 |
| Total risk-based capital ratio | 14.2112% | 4,252 |
| Memoranda: | ||
| Average total assets | $1,349,275,000 | 531 |
| Average earning assets | $1,271,651,000 | 516 |
| Average equity | $132,996,200 | 573 |
| Average total loans | $1,033,859,800 | 467 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 1,754 |
| Cost of funding earning assets | 0.6338% | 1,187 |
| Net interest margin | 3.8169% | 2,321 |
| Noninterest income to average assets | 0.6382% | 2,536 |
| Noninterest expense to average assets | 2.7844% | 3,257 |
| Loan and lease loss provision to assets | 0.2317% | 783 |
| Net operating income to assets | 0.8477% | 3,179 |
| Return on assets (ROA) | 0.8824% | 3,112 |
| Pretax return on assets | 1.2685% | 2,518 |
| Return on Equity (ROE) | 9.1198% | 2,512 |
| Retained earnings to average equity (ytd only) | -6.9322% | 6,074 |
| Net charge-offs to loans | 0.1427% | 1,696 |
| Credit loss provision to net charge-offs | 212.5693% | 1,276 |
| Earnings coverage of net charge-offs (x) | 13.3078% | 2,337 |
| Efficiency ratio | 65.7349% | 3,939 |
| Assets per employee ($millions) | 5.0668% | 2,218 |
| Cash dividends to net income (ytd only)* | 176.0133% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 3,810 |
| Loan loss allowance to noncurrent loans | 212.5322% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 3,543 |
| Noncurrent loans to loans | 0.5511% | 3,687 |
| Net loans and leases to total assets | 74.9730% | 1,550 |
| Net loans and leases to deposits | 95.2978% | 1,071 |
| Net loans and leases to core deposits | 99.2629% | 1,577 |
| Total domestic deposits to total assets | 78.6723% | 5,057 |
| Equity capital to assets | 9.4628% | 4,797 |
| Core capital (leverage) ratio | 9.2180% | 4,706 |
| Tier 1 risk-based capital ratio | 11.8601% | 5,161 |
| Total risk-based capital ratio | 13.0163% | 5,146 |
| Memoranda: | ||
| Average total assets | $1,323,446,500 | 544 |
| Average earning assets | $1,247,122,500 | 528 |
| Average equity | $128,055,750 | 600 |
| Average total loans | $1,011,199,000 | 477 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 1,455 |
| Cost of funding earning assets | 0.6397% | 1,167 |
| Net interest margin | 3.8897% | 2,020 |
| Noninterest income to average assets | 0.6309% | 2,579 |
| Noninterest expense to average assets | 2.8082% | 3,199 |
| Loan and lease loss provision to assets | 0.2769% | 589 |
| Net operating income to assets | 0.8241% | 3,252 |
| Return on assets (ROA) | 0.8641% | 3,165 |
| Pretax return on assets | 1.2366% | 2,619 |
| Return on Equity (ROE) | 8.8603% | 2,627 |
| Retained earnings to average equity (ytd only) | -14.4065% | 6,228 |
| Net charge-offs to loans | 0.2000% | 1,258 |
| Credit loss provision to net charge-offs | 180.7229% | 1,341 |
| Earnings coverage of net charge-offs (x) | 9.5060% | 2,445 |
| Efficiency ratio | 65.8370% | 4,043 |
| Assets per employee ($millions) | 4.9616% | 2,321 |
| Cash dividends to net income (ytd only)* | 262.5957% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1470% | 4,095 |
| Loan loss allowance to noncurrent loans | 153.0962% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 3,152 |
| Noncurrent loans to loans | 0.7492% | 3,237 |
| Net loans and leases to total assets | 75.3096% | 1,464 |
| Net loans and leases to deposits | 95.2092% | 1,032 |
| Net loans and leases to core deposits | 99.2424% | 1,550 |
| Total domestic deposits to total assets | 79.0990% | 5,081 |
| Equity capital to assets | 9.4154% | 4,760 |
| Core capital (leverage) ratio | 9.3675% | 4,467 |
| Tier 1 risk-based capital ratio | 11.7304% | 5,319 |
| Total risk-based capital ratio | 12.8577% | 5,314 |
| Memoranda: | ||
| Average total assets | $1,300,139,670 | 548 |
| Average earning assets | $1,214,580,330 | 537 |
| Average equity | $126,790,330 | 604 |
| Average total loans | $995,922,330 | 481 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,233 |
| Cost of funding earning assets | 0.6573% | 1,065 |
| Net interest margin | 3.9377% | 1,760 |
| Noninterest income to average assets | 0.6135% | 2,585 |
| Noninterest expense to average assets | 2.9832% | 2,634 |
| Loan and lease loss provision to assets | 0.3161% | 435 |
| Net operating income to assets | 0.7214% | 3,690 |
| Return on assets (ROA) | 0.8035% | 3,367 |
| Pretax return on assets | 1.1410% | 2,902 |
| Return on Equity (ROE) | 8.0880% | 2,916 |
| Retained earnings to average equity (ytd only) | -37.8881% | 6,367 |
| Net charge-offs to loans | 0.2991% | 795 |
| Credit loss provision to net charge-offs | 137.5516% | 1,326 |
| Earnings coverage of net charge-offs (x) | 5.8308% | 2,352 |
| Efficiency ratio | 69.0064% | 3,659 |
| Assets per employee ($millions) | 4.9085% | 2,480 |
| Cash dividends to net income (ytd only)* | 568.4500% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 4,426 |
| Loan loss allowance to noncurrent loans | 148.2178% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7649% | 3,196 |
| Noncurrent loans to loans | 0.7541% | 3,372 |
| Net loans and leases to total assets | 76.6157% | 1,122 |
| Net loans and leases to deposits | 93.9440% | 988 |
| Net loans and leases to core deposits | 97.9191% | 1,481 |
| Total domestic deposits to total assets | 81.5547% | 4,654 |
| Equity capital to assets | 9.6286% | 4,597 |
| Core capital (leverage) ratio | 9.3972% | 4,438 |
| Tier 1 risk-based capital ratio | 11.7780% | 5,392 |
| Total risk-based capital ratio | 12.8844% | 5,387 |
| Memoranda: | ||
| Average total assets | $1,265,504,500 | 557 |
| Average earning assets | $1,192,165,000 | 543 |
| Average equity | $125,717,500 | 611 |
| Average total loans | $972,252,000 | 486 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 1,833 |
| Cost of funding earning assets | 0.7005% | 1,106 |
| Net interest margin | 3.8087% | 2,597 |
| Noninterest income to average assets | 0.6382% | 2,628 |
| Noninterest expense to average assets | 2.6903% | 3,902 |
| Loan and lease loss provision to assets | 0.1347% | 1,943 |
| Net operating income to assets | 1.0010% | 2,375 |
| Return on assets (ROA) | 1.0320% | 2,330 |
| Pretax return on assets | 1.4460% | 1,733 |
| Return on Equity (ROE) | 10.2643% | 2,004 |
| Retained earnings to average equity (ytd only) | 8.3088% | 905 |
| Net charge-offs to loans | 0.0465% | 3,897 |
| Credit loss provision to net charge-offs | 387.4092% | 669 |
| Earnings coverage of net charge-offs (x) | 44.2010% | 1,012 |
| Efficiency ratio | 63.6398% | 4,642 |
| Assets per employee ($millions) | 5.0867% | 2,218 |
| Cash dividends to net income (ytd only)* | 19.0519% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 3,928 |
| Loan loss allowance to noncurrent loans | 128.5945% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.9270% | 2,899 |
| Noncurrent loans to loans | 0.9420% | 2,967 |
| Net loans and leases to total assets | 75.1913% | 1,384 |
| Net loans and leases to deposits | 95.1285% | 976 |
| Net loans and leases to core deposits | 100.5222% | 1,362 |
| Total domestic deposits to total assets | 79.0419% | 5,244 |
| Equity capital to assets | 10.2674% | 3,766 |
| Core capital (leverage) ratio | 10.0080% | 3,564 |
| Tier 1 risk-based capital ratio | 12.8498% | 4,824 |
| Total risk-based capital ratio | 14.0290% | 4,782 |
| Memoranda: | ||
| Average total assets | $1,187,633,400 | 570 |
| Average earning assets | $1,119,171,600 | 553 |
| Average equity | $119,404,200 | 606 |
| Average total loans | $888,004,000 | 503 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 1,911 |
| Cost of funding earning assets | 0.7112% | 1,099 |
| Net interest margin | 3.7780% | 2,699 |
| Noninterest income to average assets | 0.6383% | 2,635 |
| Noninterest expense to average assets | 2.6235% | 4,113 |
| Loan and lease loss provision to assets | 0.1241% | 2,013 |
| Net operating income to assets | 1.0454% | 2,252 |
| Return on assets (ROA) | 1.0573% | 2,273 |
| Pretax return on assets | 1.4673% | 1,745 |
| Return on Equity (ROE) | 10.5734% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.6149% | 1,119 |
| Net charge-offs to loans | 0.0549% | 3,433 |
| Credit loss provision to net charge-offs | 303.8674% | 899 |
| Earnings coverage of net charge-offs (x) | 38.5667% | 1,163 |
| Efficiency ratio | 62.4876% | 4,812 |
| Assets per employee ($millions) | 5.0017% | 2,237 |
| Cash dividends to net income (ytd only)* | 18.5233% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 4,229 |
| Loan loss allowance to noncurrent loans | 125.2982% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.9459% | 3,079 |
| Noncurrent loans to loans | 0.9568% | 3,168 |
| Net loans and leases to total assets | 73.5477% | 1,592 |
| Net loans and leases to deposits | 91.8807% | 1,239 |
| Net loans and leases to core deposits | 97.3287% | 1,566 |
| Total domestic deposits to total assets | 80.0469% | 5,085 |
| Equity capital to assets | 10.1503% | 3,991 |
| Core capital (leverage) ratio | 9.9431% | 3,750 |
| Tier 1 risk-based capital ratio | 12.8671% | 4,941 |
| Total risk-based capital ratio | 14.0221% | 4,903 |
| Memoranda: | ||
| Average total assets | $1,181,883,250 | 568 |
| Average earning assets | $1,113,743,000 | 549 |
| Average equity | $118,180,000 | 613 |
| Average total loans | $879,641,500 | 501 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4819% | 1,892 |
| Cost of funding earning assets | 0.7167% | 1,108 |
| Net interest margin | 3.7652% | 2,691 |
| Noninterest income to average assets | 0.6148% | 2,741 |
| Noninterest expense to average assets | 2.6112% | 4,202 |
| Loan and lease loss provision to assets | 0.1446% | 1,710 |
| Net operating income to assets | 1.0319% | 2,197 |
| Return on assets (ROA) | 1.0319% | 2,261 |
| Pretax return on assets | 1.4051% | 1,874 |
| Return on Equity (ROE) | 10.3729% | 1,987 |
| Retained earnings to average equity (ytd only) | 8.4680% | 1,150 |
| Net charge-offs to loans | 0.0834% | 2,853 |
| Credit loss provision to net charge-offs | 232.8767% | 1,041 |
| Earnings coverage of net charge-offs (x) | 24.9589% | 1,409 |
| Efficiency ratio | 62.7555% | 4,898 |
| Assets per employee ($millions) | 5.0314% | 2,173 |
| Cash dividends to net income (ytd only)* | 18.3647% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 4,536 |
| Loan loss allowance to noncurrent loans | 116.6760% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.1421% | 2,793 |
| Noncurrent loans to loans | 1.0076% | 3,223 |
| Net loans and leases to total assets | 73.4289% | 1,516 |
| Net loans and leases to deposits | 90.5593% | 1,316 |
| Net loans and leases to core deposits | 96.4219% | 1,569 |
| Total domestic deposits to total assets | 81.0838% | 4,954 |
| Equity capital to assets | 10.0272% | 4,068 |
| Core capital (leverage) ratio | 9.7642% | 3,939 |
| Tier 1 risk-based capital ratio | 12.5563% | 5,190 |
| Total risk-based capital ratio | 13.6821% | 5,195 |
| Memoranda: | ||
| Average total assets | $1,175,708,670 | 574 |
| Average earning assets | $1,107,288,000 | 550 |
| Average equity | $116,958,330 | 611 |
| Average total loans | $874,993,670 | 502 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 1,706 |
| Cost of funding earning assets | 0.7078% | 1,200 |
| Net interest margin | 3.8227% | 2,378 |
| Noninterest income to average assets | 0.5951% | 2,764 |
| Noninterest expense to average assets | 2.5851% | 4,324 |
| Loan and lease loss provision to assets | 0.1889% | 1,262 |
| Net operating income to assets | 1.0748% | 1,915 |
| Return on assets (ROA) | 1.0748% | 1,984 |
| Pretax return on assets | 1.4231% | 1,669 |
| Return on Equity (ROE) | 10.8492% | 1,737 |
| Retained earnings to average equity (ytd only) | 9.1681% | 1,201 |
| Net charge-offs to loans | 0.0977% | 2,189 |
| Credit loss provision to net charge-offs | 259.4340% | 883 |
| Earnings coverage of net charge-offs (x) | 22.1415% | 1,262 |
| Efficiency ratio | 61.5938% | 5,189 |
| Assets per employee ($millions) | 5.0524% | 2,190 |
| Cash dividends to net income (ytd only)* | 15.4952% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1796% | 4,734 |
| Loan loss allowance to noncurrent loans | 75.4536% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 2,425 |
| Noncurrent loans to loans | 1.5634% | 2,473 |
| Net loans and leases to total assets | 73.0767% | 1,417 |
| Net loans and leases to deposits | 89.4288% | 1,208 |
| Net loans and leases to core deposits | 94.9082% | 1,475 |
| Total domestic deposits to total assets | 81.7150% | 5,025 |
| Equity capital to assets | 9.8892% | 3,969 |
| Core capital (leverage) ratio | 9.9374% | 3,652 |
| Tier 1 risk-based capital ratio | 12.5901% | 5,263 |
| Total risk-based capital ratio | 13.7255% | 5,267 |
| Memoranda: | ||
| Average total assets | $1,164,820,500 | 580 |
| Average earning assets | $1,097,560,500 | 556 |
| Average equity | $115,400,500 | 621 |
| Average total loans | $867,610,500 | 502 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5517% | 2,029 |
| Cost of funding earning assets | 0.8141% | 1,132 |
| Net interest margin | 3.7376% | 2,906 |
| Noninterest income to average assets | 0.6718% | 2,696 |
| Noninterest expense to average assets | 2.6756% | 4,192 |
| Loan and lease loss provision to assets | 0.1343% | 2,631 |
| Net operating income to assets | 1.0095% | 2,286 |
| Return on assets (ROA) | 1.0150% | 2,325 |
| Pretax return on assets | 1.3984% | 1,786 |
| Return on Equity (ROE) | 10.0468% | 2,094 |
| Retained earnings to average equity (ytd only) | 8.6726% | 855 |
| Net charge-offs to loans | 0.1008% | 3,827 |
| Credit loss provision to net charge-offs | 184.4417% | 1,242 |
| Earnings coverage of net charge-offs (x) | 20.9498% | 1,515 |
| Efficiency ratio | 63.6951% | 4,957 |
| Assets per employee ($millions) | 5.0104% | 2,167 |
| Cash dividends to net income (ytd only)* | 13.6777% | 3,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 4,873 |
| Loan loss allowance to noncurrent loans | 65.2003% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.6879% | 2,185 |
| Noncurrent loans to loans | 1.7770% | 2,265 |
| Net loans and leases to total assets | 74.1668% | 1,319 |
| Net loans and leases to deposits | 91.7734% | 1,082 |
| Net loans and leases to core deposits | 97.7448% | 1,323 |
| Total domestic deposits to total assets | 80.8152% | 5,236 |
| Equity capital to assets | 9.9257% | 3,865 |
| Core capital (leverage) ratio | 9.8782% | 3,730 |
| Tier 1 risk-based capital ratio | 12.4169% | 5,343 |
| Total risk-based capital ratio | 13.5257% | 5,373 |
| Memoranda: | ||
| Average total assets | $1,094,846,200 | 600 |
| Average earning assets | $1,033,711,200 | 574 |
| Average equity | $110,612,800 | 637 |
| Average total loans | $790,638,600 | 530 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 2,120 |
| Cost of funding earning assets | 0.8288% | 1,160 |
| Net interest margin | 3.7012% | 3,026 |
| Noninterest income to average assets | 0.7092% | 2,555 |
| Noninterest expense to average assets | 2.6660% | 4,141 |
| Loan and lease loss provision to assets | 0.1196% | 2,805 |
| Net operating income to assets | 1.0314% | 2,252 |
| Return on assets (ROA) | 1.0355% | 2,321 |
| Pretax return on assets | 1.4252% | 1,848 |
| Return on Equity (ROE) | 10.2018% | 2,106 |
| Retained earnings to average equity (ytd only) | 8.4313% | 1,243 |
| Net charge-offs to loans | 0.1419% | 3,122 |
| Credit loss provision to net charge-offs | 117.8615% | 1,994 |
| Earnings coverage of net charge-offs (x) | 15.1737% | 1,887 |
| Efficiency ratio | 63.3965% | 4,905 |
| Assets per employee ($millions) | 4.8632% | 2,351 |
| Cash dividends to net income (ytd only)* | 17.3551% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 5,081 |
| Loan loss allowance to noncurrent loans | 96.6057% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.2255% | 3,186 |
| Noncurrent loans to loans | 1.1978% | 3,426 |
| Net loans and leases to total assets | 72.4744% | 1,530 |
| Net loans and leases to deposits | 87.3533% | 1,448 |
| Net loans and leases to core deposits | 93.0241% | 1,668 |
| Total domestic deposits to total assets | 82.9671% | 4,585 |
| Equity capital to assets | 10.0595% | 3,817 |
| Core capital (leverage) ratio | 9.8869% | 3,835 |
| Tier 1 risk-based capital ratio | 12.6078% | 5,383 |
| Total risk-based capital ratio | 13.7001% | 5,424 |
| Memoranda: | ||
| Average total assets | $1,081,713,250 | 610 |
| Average earning assets | $1,021,723,500 | 586 |
| Average equity | $109,794,750 | 650 |
| Average total loans | $773,061,000 | 544 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 2,137 |
| Cost of funding earning assets | 0.8445% | 1,172 |
| Net interest margin | 3.6712% | 3,076 |
| Noninterest income to average assets | 0.7516% | 2,405 |
| Noninterest expense to average assets | 2.6435% | 4,238 |
| Loan and lease loss provision to assets | 0.1531% | 2,402 |
| Net operating income to assets | 1.0369% | 2,170 |
| Return on assets (ROA) | 1.0429% | 2,263 |
| Pretax return on assets | 1.4358% | 1,822 |
| Return on Equity (ROE) | 10.2430% | 2,110 |
| Retained earnings to average equity (ytd only) | 8.5154% | 1,281 |
| Net charge-offs to loans | 0.1748% | 2,722 |
| Credit loss provision to net charge-offs | 123.6802% | 1,816 |
| Earnings coverage of net charge-offs (x) | 12.7677% | 1,952 |
| Efficiency ratio | 62.5807% | 5,081 |
| Assets per employee ($millions) | 4.8929% | 2,239 |
| Cash dividends to net income (ytd only)* | 16.8666% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 4,845 |
| Loan loss allowance to noncurrent loans | 85.0018% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 3,116 |
| Noncurrent loans to loans | 1.4436% | 3,138 |
| Net loans and leases to total assets | 69.4710% | 1,981 |
| Net loans and leases to deposits | 82.1009% | 2,047 |
| Net loans and leases to core deposits | 87.5954% | 2,157 |
| Total domestic deposits to total assets | 84.6166% | 4,078 |
| Equity capital to assets | 9.9959% | 3,921 |
| Core capital (leverage) ratio | 9.9631% | 3,571 |
| Tier 1 risk-based capital ratio | 13.1146% | 5,058 |
| Total risk-based capital ratio | 14.2765% | 5,065 |
| Memoranda: | ||
| Average total assets | $1,071,062,000 | 618 |
| Average earning assets | $1,013,115,670 | 591 |
| Average equity | $109,050,000 | 657 |
| Average total loans | $758,557,000 | 551 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5454% | 2,006 |
| Cost of funding earning assets | 0.8615% | 1,197 |
| Net interest margin | 3.6840% | 2,921 |
| Noninterest income to average assets | 0.7644% | 2,279 |
| Noninterest expense to average assets | 2.7070% | 4,027 |
| Loan and lease loss provision to assets | 0.0982% | 3,045 |
| Net operating income to assets | 1.0501% | 2,038 |
| Return on assets (ROA) | 1.0501% | 2,145 |
| Pretax return on assets | 1.4446% | 1,724 |
| Return on Equity (ROE) | 10.2172% | 1,990 |
| Retained earnings to average equity (ytd only) | 8.4929% | 1,563 |
| Net charge-offs to loans | 0.0404% | 3,469 |
| Credit loss provision to net charge-offs | 342.1053% | 715 |
| Earnings coverage of net charge-offs (x) | 53.7237% | 639 |
| Efficiency ratio | 63.6970% | 5,054 |
| Assets per employee ($millions) | 4.8425% | 2,422 |
| Cash dividends to net income (ytd only)* | 16.8766% | 2,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 4,987 |
| Loan loss allowance to noncurrent loans | 77.9842% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.4714% | 3,053 |
| Noncurrent loans to loans | 1.5934% | 3,148 |
| Net loans and leases to total assets | 71.0896% | 1,505 |
| Net loans and leases to deposits | 84.2044% | 1,572 |
| Net loans and leases to core deposits | 89.7991% | 1,717 |
| Total domestic deposits to total assets | 84.4250% | 4,301 |
| Equity capital to assets | 10.3480% | 3,738 |
| Core capital (leverage) ratio | 9.9875% | 3,401 |
| Tier 1 risk-based capital ratio | 13.1314% | 5,122 |
| Total risk-based capital ratio | 14.3242% | 5,118 |
| Memoranda: | ||
| Average total assets | $1,058,589,500 | 635 |
| Average earning assets | $1,001,530,500 | 603 |
| Average equity | $108,797,000 | 669 |
| Average total loans | $752,402,500 | 555 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 2,322 |
| Cost of funding earning assets | 1.0543% | 1,103 |
| Net interest margin | 3.7147% | 3,583 |
| Noninterest income to average assets | 0.5898% | 3,339 |
| Noninterest expense to average assets | 2.6800% | 4,473 |
| Loan and lease loss provision to assets | 0.1684% | 3,516 |
| Net operating income to assets | 0.9214% | 2,699 |
| Return on assets (ROA) | 0.9522% | 2,786 |
| Pretax return on assets | 1.2753% | 2,501 |
| Return on Equity (ROE) | 9.4857% | 2,407 |
| Retained earnings to average equity (ytd only) | 7.5475% | 1,312 |
| Net charge-offs to loans | 0.1599% | 4,106 |
| Credit loss provision to net charge-offs | 152.1739% | 1,786 |
| Earnings coverage of net charge-offs (x) | 12.6757% | 1,903 |
| Efficiency ratio | 65.1960% | 4,668 |
| Assets per employee ($millions) | 4.8250% | 2,458 |
| Cash dividends to net income (ytd only)* | 20.4325% | 3,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2546% | 4,851 |
| Loan loss allowance to noncurrent loans | 109.0760% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 1.1509% | 3,740 |
| Noncurrent loans to loans | 1.1502% | 3,927 |
| Net loans and leases to total assets | 69.2842% | 1,976 |
| Net loans and leases to deposits | 81.0618% | 2,136 |
| Net loans and leases to core deposits | 86.5742% | 2,244 |
| Total domestic deposits to total assets | 85.4709% | 3,627 |
| Equity capital to assets | 10.2068% | 3,877 |
| Core capital (leverage) ratio | 9.7210% | 3,773 |
| Tier 1 risk-based capital ratio | 13.1976% | 4,968 |
| Total risk-based capital ratio | 14.3997% | 4,946 |
| Memoranda: | ||
| Average total assets | $1,039,273,000 | 639 |
| Average earning assets | $977,164,400 | 609 |
| Average equity | $104,325,800 | 679 |
| Average total loans | $719,134,400 | 573 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7721% | 2,498 |
| Cost of funding earning assets | 1.0760% | 1,165 |
| Net interest margin | 3.6961% | 3,811 |
| Noninterest income to average assets | 0.5616% | 3,534 |
| Noninterest expense to average assets | 2.6803% | 4,453 |
| Loan and lease loss provision to assets | 0.1482% | 3,683 |
| Net operating income to assets | 0.9040% | 2,968 |
| Return on assets (ROA) | 0.9456% | 2,993 |
| Pretax return on assets | 1.2571% | 2,760 |
| Return on Equity (ROE) | 9.4606% | 2,610 |
| Retained earnings to average equity (ytd only) | 7.4293% | 1,881 |
| Net charge-offs to loans | 0.1990% | 3,535 |
| Credit loss provision to net charge-offs | 107.9812% | 2,720 |
| Earnings coverage of net charge-offs (x) | 9.8376% | 2,265 |
| Efficiency ratio | 66.4376% | 4,368 |
| Assets per employee ($millions) | 5.1527% | 1,992 |
| Cash dividends to net income (ytd only)* | 21.4714% | 2,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,324 |
| Loan loss allowance to noncurrent loans | 75.4573% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.4818% | 3,375 |
| Noncurrent loans to loans | 1.5785% | 3,424 |
| Net loans and leases to total assets | 68.6719% | 2,178 |
| Net loans and leases to deposits | 81.2518% | 2,217 |
| Net loans and leases to core deposits | 87.1180% | 2,330 |
| Total domestic deposits to total assets | 84.5174% | 3,971 |
| Equity capital to assets | 10.0662% | 4,398 |
| Core capital (leverage) ratio | 9.5357% | 4,215 |
| Tier 1 risk-based capital ratio | 13.0161% | 5,230 |
| Total risk-based capital ratio | 14.1616% | 5,284 |
| Memoranda: | ||
| Average total assets | $1,034,921,750 | 640 |
| Average earning assets | $971,195,750 | 610 |
| Average equity | $103,444,000 | 686 |
| Average total loans | $713,564,750 | 581 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8128% | 2,450 |
| Cost of funding earning assets | 1.0855% | 1,285 |
| Net interest margin | 3.7273% | 3,696 |
| Noninterest income to average assets | 0.7183% | 2,563 |
| Noninterest expense to average assets | 2.7207% | 4,327 |
| Loan and lease loss provision to assets | 0.0975% | 4,321 |
| Net operating income to assets | 1.0350% | 2,321 |
| Return on assets (ROA) | 1.0420% | 2,515 |
| Pretax return on assets | 1.4015% | 2,190 |
| Return on Equity (ROE) | 10.4507% | 2,195 |
| Retained earnings to average equity (ytd only) | 8.2554% | 1,549 |
| Net charge-offs to loans | 0.1451% | 3,755 |
| Credit loss provision to net charge-offs | 97.6563% | 2,838 |
| Earnings coverage of net charge-offs (x) | 14.9238% | 1,677 |
| Efficiency ratio | 64.5539% | 4,790 |
| Assets per employee ($millions) | 5.0090% | 2,174 |
| Cash dividends to net income (ytd only)* | 21.0064% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,240 |
| Loan loss allowance to noncurrent loans | 79.8787% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.2617% | 2,474 |
| Noncurrent loans to loans | 1.5338% | 3,604 |
| Net loans and leases to total assets | 67.2449% | 2,416 |
| Net loans and leases to deposits | 79.5479% | 2,448 |
| Net loans and leases to core deposits | 85.2664% | 2,521 |
| Total domestic deposits to total assets | 84.5339% | 4,087 |
| Equity capital to assets | 10.0485% | 4,262 |
| Core capital (leverage) ratio | 9.5665% | 4,051 |
| Tier 1 risk-based capital ratio | 13.1942% | 5,041 |
| Total risk-based capital ratio | 14.3607% | 5,081 |
| Memoranda: | ||
| Average total assets | $1,026,075,000 | 647 |
| Average earning assets | $961,230,330 | 621 |
| Average equity | $102,309,000 | 696 |
| Average total loans | $705,515,330 | 586 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7917% | 2,671 |
| Cost of funding earning assets | 1.1052% | 1,383 |
| Net interest margin | 3.6865% | 3,895 |
| Noninterest income to average assets | 0.6396% | 2,992 |
| Noninterest expense to average assets | 2.7418% | 4,281 |
| Loan and lease loss provision to assets | 0.0982% | 4,117 |
| Net operating income to assets | 0.9414% | 2,738 |
| Return on assets (ROA) | 0.9558% | 2,867 |
| Pretax return on assets | 1.2693% | 2,652 |
| Return on Equity (ROE) | 9.6244% | 2,551 |
| Retained earnings to average equity (ytd only) | 7.1600% | 2,343 |
| Net charge-offs to loans | 0.0358% | 4,192 |
| Credit loss provision to net charge-offs | 396.8254% | 793 |
| Earnings coverage of net charge-offs (x) | 54.4762% | 593 |
| Efficiency ratio | 66.9676% | 4,361 |
| Assets per employee ($millions) | 4.9152% | 2,364 |
| Cash dividends to net income (ytd only)* | 25.6062% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 5,229 |
| Loan loss allowance to noncurrent loans | 62.2523% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.7212% | 2,167 |
| Noncurrent loans to loans | 2.0124% | 3,144 |
| Net loans and leases to total assets | 68.2053% | 2,070 |
| Net loans and leases to deposits | 79.9115% | 2,213 |
| Net loans and leases to core deposits | 85.4779% | 2,348 |
| Total domestic deposits to total assets | 85.3510% | 3,855 |
| Equity capital to assets | 9.9354% | 4,211 |
| Core capital (leverage) ratio | 9.5687% | 3,960 |
| Tier 1 risk-based capital ratio | 12.9567% | 5,250 |
| Total risk-based capital ratio | 14.1580% | 5,251 |
| Memoranda: | ||
| Average total assets | $1,018,179,500 | 656 |
| Average earning assets | $952,982,500 | 631 |
| Average equity | $101,117,500 | 701 |
| Average total loans | $703,627,000 | 584 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 3,082 |
| Cost of funding earning assets | 1.3234% | 1,371 |
| Net interest margin | 3.6336% | 4,598 |
| Noninterest income to average assets | 0.7750% | 2,200 |
| Noninterest expense to average assets | 2.7352% | 4,605 |
| Loan and lease loss provision to assets | 0.5028% | 2,093 |
| Net operating income to assets | 0.7420% | 3,286 |
| Return on assets (ROA) | 0.7521% | 3,418 |
| Pretax return on assets | 0.9484% | 3,434 |
| Return on Equity (ROE) | 8.0973% | 2,857 |
| Retained earnings to average equity (ytd only) | 5.3397% | 2,424 |
| Net charge-offs to loans | 0.5736% | 2,732 |
| Credit loss provision to net charge-offs | 127.8829% | 2,425 |
| Earnings coverage of net charge-offs (x) | 3.6587% | 3,434 |
| Efficiency ratio | 65.3029% | 4,902 |
| Assets per employee ($millions) | 4.9708% | 2,240 |
| Cash dividends to net income (ytd only)* | 34.0558% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2472% | 5,187 |
| Loan loss allowance to noncurrent loans | 74.3761% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 2.7156% | 2,239 |
| Noncurrent loans to loans | 1.6769% | 3,647 |
| Net loans and leases to total assets | 68.2805% | 2,340 |
| Net loans and leases to deposits | 80.5115% | 2,427 |
| Net loans and leases to core deposits | 86.3506% | 2,590 |
| Total domestic deposits to total assets | 84.8083% | 3,955 |
| Equity capital to assets | 9.9269% | 4,259 |
| Core capital (leverage) ratio | 9.3497% | 4,249 |
| Tier 1 risk-based capital ratio | 12.9844% | 5,083 |
| Total risk-based capital ratio | 14.1857% | 5,102 |
| Memoranda: | ||
| Average total assets | $981,554,400 | 666 |
| Average earning assets | $918,061,000 | 650 |
| Average equity | $91,166,200 | 742 |
| Average total loans | $672,757,600 | 613 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9684% | 3,254 |
| Cost of funding earning assets | 1.3521% | 1,447 |
| Net interest margin | 3.6163% | 4,702 |
| Noninterest income to average assets | 0.7319% | 2,405 |
| Noninterest expense to average assets | 2.7451% | 4,553 |
| Loan and lease loss provision to assets | 0.6546% | 1,491 |
| Net operating income to assets | 0.5998% | 4,087 |
| Return on assets (ROA) | 0.5970% | 4,282 |
| Pretax return on assets | 0.7124% | 4,426 |
| Return on Equity (ROE) | 6.5439% | 3,744 |
| Retained earnings to average equity (ytd only) | 4.2886% | 3,677 |
| Net charge-offs to loans | 0.7589% | 2,047 |
| Credit loss provision to net charge-offs | 126.1202% | 2,542 |
| Earnings coverage of net charge-offs (x) | 2.6405% | 3,796 |
| Efficiency ratio | 66.6013% | 4,607 |
| Assets per employee ($millions) | 5.0305% | 2,153 |
| Cash dividends to net income (ytd only)* | 34.4637% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,255 |
| Loan loss allowance to noncurrent loans | 74.1949% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 2.7052% | 2,398 |
| Noncurrent loans to loans | 1.6829% | 3,781 |
| Net loans and leases to total assets | 67.3978% | 2,593 |
| Net loans and leases to deposits | 79.3250% | 2,756 |
| Net loans and leases to core deposits | 85.0409% | 2,909 |
| Total domestic deposits to total assets | 84.9641% | 3,777 |
| Equity capital to assets | 9.7200% | 4,744 |
| Core capital (leverage) ratio | 9.2653% | 4,517 |
| Tier 1 risk-based capital ratio | 12.8002% | 5,248 |
| Total risk-based capital ratio | 13.9993% | 5,272 |
| Memoranda: | ||
| Average total assets | $974,674,750 | 679 |
| Average earning assets | $911,951,250 | 660 |
| Average equity | $88,915,250 | 761 |
| Average total loans | $666,521,500 | 625 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 3,480 |
| Cost of funding earning assets | 1.3691% | 1,553 |
| Net interest margin | 3.5633% | 4,866 |
| Noninterest income to average assets | 0.6811% | 2,643 |
| Noninterest expense to average assets | 2.8317% | 4,305 |
| Loan and lease loss provision to assets | 0.2545% | 3,367 |
| Net operating income to assets | 0.7408% | 3,333 |
| Return on assets (ROA) | 0.7366% | 3,475 |
| Pretax return on assets | 0.9253% | 3,533 |
| Return on Equity (ROE) | 8.2641% | 2,828 |
| Retained earnings to average equity (ytd only) | 5.9585% | 2,460 |
| Net charge-offs to loans | 0.1518% | 4,275 |
| Credit loss provision to net charge-offs | 245.0000% | 1,237 |
| Earnings coverage of net charge-offs (x) | 11.4060% | 1,719 |
| Efficiency ratio | 70.3947% | 4,034 |
| Assets per employee ($millions) | 4.7776% | 2,436 |
| Cash dividends to net income (ytd only)* | 27.8984% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 5,447 |
| Loan loss allowance to noncurrent loans | 42.3207% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 3.6461% | 1,796 |
| Noncurrent loans to loans | 2.8919% | 2,526 |
| Net loans and leases to total assets | 69.1601% | 2,384 |
| Net loans and leases to deposits | 80.6297% | 2,681 |
| Net loans and leases to core deposits | 86.4344% | 2,838 |
| Total domestic deposits to total assets | 85.7749% | 3,456 |
| Equity capital to assets | 9.0857% | 5,460 |
| Core capital (leverage) ratio | 8.7424% | 5,152 |
| Tier 1 risk-based capital ratio | 11.8003% | 5,938 |
| Total risk-based capital ratio | 12.9754% | 5,996 |
| Memoranda: | ||
| Average total assets | $962,522,000 | 697 |
| Average earning assets | $901,016,330 | 675 |
| Average equity | $85,793,000 | 785 |
| Average total loans | $658,662,670 | 644 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8783% | 3,695 |
| Cost of funding earning assets | 1.3796% | 1,716 |
| Net interest margin | 3.4986% | 5,016 |
| Noninterest income to average assets | 0.7289% | 2,397 |
| Noninterest expense to average assets | 2.8936% | 4,084 |
| Loan and lease loss provision to assets | 0.2823% | 2,888 |
| Net operating income to assets | 0.6840% | 3,590 |
| Return on assets (ROA) | 0.6754% | 3,701 |
| Pretax return on assets | 0.8218% | 3,822 |
| Return on Equity (ROE) | 7.6528% | 3,070 |
| Retained earnings to average equity (ytd only) | 5.3925% | 2,959 |
| Net charge-offs to loans | 0.2752% | 2,969 |
| Credit loss provision to net charge-offs | 151.6854% | 1,889 |
| Earnings coverage of net charge-offs (x) | 5.9888% | 2,171 |
| Efficiency ratio | 72.0889% | 3,843 |
| Assets per employee ($millions) | 4.9134% | 2,279 |
| Cash dividends to net income (ytd only)* | 29.5356% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2155% | 5,557 |
| Loan loss allowance to noncurrent loans | 46.4632% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 3.2875% | 2,085 |
| Noncurrent loans to loans | 2.6161% | 2,884 |
| Net loans and leases to total assets | 66.6358% | 2,848 |
| Net loans and leases to deposits | 77.6143% | 3,133 |
| Net loans and leases to core deposits | 83.3207% | 3,259 |
| Total domestic deposits to total assets | 85.8550% | 3,608 |
| Equity capital to assets | 8.8832% | 5,376 |
| Core capital (leverage) ratio | 8.6699% | 5,140 |
| Tier 1 risk-based capital ratio | 12.1875% | 5,522 |
| Total risk-based capital ratio | 13.3489% | 5,599 |
| Memoranda: | ||
| Average total assets | $956,463,500 | 706 |
| Average earning assets | $896,463,500 | 676 |
| Average equity | $84,413,000 | 788 |
| Average total loans | $646,787,500 | 662 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1136% | 4,043 |
| Cost of funding earning assets | 1.4996% | 2,633 |
| Net interest margin | 3.6139% | 4,748 |
| Noninterest income to average assets | 0.6549% | 3,120 |
| Noninterest expense to average assets | 2.8548% | 4,392 |
| Loan and lease loss provision to assets | 0.3254% | 4,208 |
| Net operating income to assets | 0.7200% | 3,147 |
| Return on assets (ROA) | 0.7298% | 3,228 |
| Pretax return on assets | 0.8808% | 3,374 |
| Return on Equity (ROE) | 8.1855% | 2,624 |
| Retained earnings to average equity (ytd only) | 6.4791% | 1,563 |
| Net charge-offs to loans | 0.3913% | 4,080 |
| Credit loss provision to net charge-offs | 117.7629% | 3,619 |
| Earnings coverage of net charge-offs (x) | 4.3230% | 2,968 |
| Efficiency ratio | 70.3969% | 4,089 |
| Assets per employee ($millions) | 4.8223% | 2,399 |
| Cash dividends to net income (ytd only)* | 20.8470% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 5,612 |
| Loan loss allowance to noncurrent loans | 40.7350% | 5,589 |
| Noncurrent assets plus other real estate owned to assets | 3.0641% | 2,304 |
| Noncurrent loans to loans | 2.8923% | 2,630 |
| Net loans and leases to total assets | 66.9918% | 3,228 |
| Net loans and leases to deposits | 79.2401% | 3,300 |
| Net loans and leases to core deposits | 84.4795% | 3,528 |
| Total domestic deposits to total assets | 84.5428% | 4,090 |
| Equity capital to assets | 8.7676% | 5,485 |
| Core capital (leverage) ratio | 8.5392% | 5,286 |
| Tier 1 risk-based capital ratio | 12.1310% | 5,352 |
| Total risk-based capital ratio | 13.2690% | 5,438 |
| Memoranda: | ||
| Average total assets | $918,897,400 | 732 |
| Average earning assets | $863,074,200 | 699 |
| Average equity | $81,925,200 | 803 |
| Average total loans | $648,820,800 | 678 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1139% | 4,245 |
| Cost of funding earning assets | 1.5115% | 2,901 |
| Net interest margin | 3.6024% | 4,863 |
| Noninterest income to average assets | 0.7094% | 2,772 |
| Noninterest expense to average assets | 2.8321% | 4,343 |
| Loan and lease loss provision to assets | 0.2799% | 4,338 |
| Net operating income to assets | 0.7919% | 3,036 |
| Return on assets (ROA) | 0.8047% | 3,131 |
| Pretax return on assets | 0.9961% | 3,200 |
| Return on Equity (ROE) | 8.9871% | 2,496 |
| Retained earnings to average equity (ytd only) | 7.0365% | 1,827 |
| Net charge-offs to loans | 0.5099% | 3,248 |
| Credit loss provision to net charge-offs | 76.9231% | 5,225 |
| Earnings coverage of net charge-offs (x) | 3.4636% | 3,437 |
| Efficiency ratio | 69.1027% | 4,245 |
| Assets per employee ($millions) | 4.6733% | 2,641 |
| Cash dividends to net income (ytd only)* | 21.7043% | 2,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0194% | 6,309 |
| Loan loss allowance to noncurrent loans | 53.1434% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.2588% | 3,128 |
| Noncurrent loans to loans | 1.9182% | 3,780 |
| Net loans and leases to total assets | 67.5703% | 3,318 |
| Net loans and leases to deposits | 80.2817% | 3,395 |
| Net loans and leases to core deposits | 86.1830% | 3,622 |
| Total domestic deposits to total assets | 84.1665% | 4,021 |
| Equity capital to assets | 8.9946% | 5,591 |
| Core capital (leverage) ratio | 8.6784% | 5,224 |
| Tier 1 risk-based capital ratio | 12.0510% | 5,418 |
| Total risk-based capital ratio | 13.0421% | 5,632 |
| Memoranda: | ||
| Average total assets | $909,917,500 | 740 |
| Average earning assets | $854,491,750 | 707 |
| Average equity | $81,477,750 | 810 |
| Average total loans | $649,207,250 | 675 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 4,360 |
| Cost of funding earning assets | 1.5326% | 3,053 |
| Net interest margin | 3.5848% | 4,881 |
| Noninterest income to average assets | 0.6792% | 2,824 |
| Noninterest expense to average assets | 2.7833% | 4,563 |
| Loan and lease loss provision to assets | 0.3010% | 3,985 |
| Net operating income to assets | 0.7809% | 3,060 |
| Return on assets (ROA) | 0.8007% | 3,110 |
| Pretax return on assets | 0.9817% | 3,195 |
| Return on Equity (ROE) | 8.9558% | 2,485 |
| Retained earnings to average equity (ytd only) | 7.1701% | 1,762 |
| Net charge-offs to loans | 0.6646% | 2,549 |
| Credit loss provision to net charge-offs | 62.5289% | 5,145 |
| Earnings coverage of net charge-offs (x) | 2.6146% | 3,690 |
| Efficiency ratio | 68.7500% | 4,433 |
| Assets per employee ($millions) | 4.4352% | 2,994 |
| Cash dividends to net income (ytd only)* | 19.9387% | 2,896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,476 |
| Loan loss allowance to noncurrent loans | 46.7641% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.4802% | 2,901 |
| Noncurrent loans to loans | 2.0995% | 3,591 |
| Net loans and leases to total assets | 70.2686% | 2,844 |
| Net loans and leases to deposits | 84.5697% | 2,782 |
| Net loans and leases to core deposits | 91.0834% | 3,111 |
| Total domestic deposits to total assets | 83.0895% | 4,535 |
| Equity capital to assets | 9.1143% | 5,273 |
| Core capital (leverage) ratio | 8.7763% | 4,961 |
| Tier 1 risk-based capital ratio | 11.8143% | 5,478 |
| Total risk-based capital ratio | 12.7682% | 5,728 |
| Memoranda: | ||
| Average total assets | $896,995,670 | 749 |
| Average earning assets | $841,451,670 | 713 |
| Average equity | $80,193,670 | 816 |
| Average total loans | $649,733,000 | 680 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 4,668 |
| Cost of funding earning assets | 1.5658% | 3,164 |
| Net interest margin | 3.5064% | 5,128 |
| Noninterest income to average assets | 0.8120% | 1,960 |
| Noninterest expense to average assets | 2.7560% | 4,672 |
| Loan and lease loss provision to assets | 0.3241% | 3,468 |
| Net operating income to assets | 0.8174% | 2,891 |
| Return on assets (ROA) | 0.8174% | 2,987 |
| Pretax return on assets | 1.0249% | 2,992 |
| Return on Equity (ROE) | 9.2354% | 2,411 |
| Retained earnings to average equity (ytd only) | 7.6742% | 1,850 |
| Net charge-offs to loans | 0.1132% | 4,306 |
| Credit loss provision to net charge-offs | 391.3043% | 1,045 |
| Earnings coverage of net charge-offs (x) | 16.2880% | 1,336 |
| Efficiency ratio | 67.0285% | 4,913 |
| Assets per employee ($millions) | 4.3573% | 3,195 |
| Cash dividends to net income (ytd only)* | 16.9053% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 5,586 |
| Loan loss allowance to noncurrent loans | 35.9940% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 2.9665% | 2,422 |
| Noncurrent loans to loans | 3.2851% | 2,427 |
| Net loans and leases to total assets | 72.4972% | 2,332 |
| Net loans and leases to deposits | 87.2987% | 2,357 |
| Net loans and leases to core deposits | 94.3693% | 2,790 |
| Total domestic deposits to total assets | 83.0450% | 4,600 |
| Equity capital to assets | 8.9591% | 5,335 |
| Core capital (leverage) ratio | 8.6861% | 5,044 |
| Tier 1 risk-based capital ratio | 11.4644% | 5,710 |
| Total risk-based capital ratio | 12.6205% | 5,769 |
| Memoranda: | ||
| Average total assets | $888,664,000 | 779 |
| Average earning assets | $834,579,500 | 738 |
| Average equity | $78,653,500 | 840 |
| Average total loans | $650,409,000 | 697 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2177% | 5,569 |
| Cost of funding earning assets | 2.0774% | 2,586 |
| Net interest margin | 3.1402% | 6,255 |
| Noninterest income to average assets | 0.8928% | 1,969 |
| Noninterest expense to average assets | 2.9474% | 4,352 |
| Loan and lease loss provision to assets | 0.4529% | 4,110 |
| Net operating income to assets | 0.4449% | 3,951 |
| Return on assets (ROA) | 0.4796% | 3,910 |
| Pretax return on assets | 0.4886% | 4,215 |
| Return on Equity (ROE) | 5.4303% | 3,463 |
| Retained earnings to average equity (ytd only) | 0.8351% | 4,430 |
| Net charge-offs to loans | 0.1990% | 5,403 |
| Credit loss provision to net charge-offs | 302.0325% | 1,095 |
| Earnings coverage of net charge-offs (x) | 6.0423% | 2,445 |
| Efficiency ratio | 76.3628% | 3,466 |
| Assets per employee ($millions) | 4.4201% | 3,067 |
| Cash dividends to net income (ytd only)* | 84.6213% | 1,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 5,865 |
| Loan loss allowance to noncurrent loans | 28.0295% | 6,606 |
| Noncurrent assets plus other real estate owned to assets | 3.7245% | 1,791 |
| Noncurrent loans to loans | 3.9461% | 1,877 |
| Net loans and leases to total assets | 72.2067% | 2,702 |
| Net loans and leases to deposits | 88.6484% | 2,451 |
| Net loans and leases to core deposits | 114.5005% | 2,458 |
| Total domestic deposits to total assets | 81.4529% | 5,174 |
| Equity capital to assets | 8.7424% | 5,527 |
| Core capital (leverage) ratio | 8.6640% | 4,989 |
| Tier 1 risk-based capital ratio | 11.2502% | 5,663 |
| Total risk-based capital ratio | 12.3273% | 5,805 |
| Memoranda: | ||
| Average total assets | $820,223,800 | 833 |
| Average earning assets | $773,315,000 | 799 |
| Average equity | $72,445,600 | 901 |
| Average total loans | $618,127,600 | 754 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 5,815 |
| Cost of funding earning assets | 2.1897% | 2,458 |
| Net interest margin | 3.0257% | 6,532 |
| Noninterest income to average assets | 0.8901% | 2,023 |
| Noninterest expense to average assets | 2.9476% | 4,242 |
| Loan and lease loss provision to assets | 0.4122% | 3,854 |
| Net operating income to assets | 0.4034% | 4,387 |
| Return on assets (ROA) | 0.4517% | 4,293 |
| Pretax return on assets | 0.4354% | 4,701 |
| Return on Equity (ROE) | 5.0997% | 3,923 |
| Retained earnings to average equity (ytd only) | -0.5248% | 5,356 |
| Net charge-offs to loans | 0.1439% | 5,257 |
| Credit loss provision to net charge-offs | 376.7830% | 1,070 |
| Earnings coverage of net charge-offs (x) | 7.3066% | 2,428 |
| Efficiency ratio | 78.5388% | 3,072 |
| Assets per employee ($millions) | 4.2384% | 3,309 |
| Cash dividends to net income (ytd only)* | 110.2902% | 468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,183 |
| Loan loss allowance to noncurrent loans | 31.6168% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 2.7474% | 2,531 |
| Noncurrent loans to loans | 3.2140% | 2,353 |
| Net loans and leases to total assets | 73.3875% | 2,692 |
| Net loans and leases to deposits | 88.9258% | 2,797 |
| Net loans and leases to core deposits | 115.8170% | 2,647 |
| Total domestic deposits to total assets | 82.5266% | 4,433 |
| Equity capital to assets | 8.9384% | 5,576 |
| Core capital (leverage) ratio | 8.5763% | 5,336 |
| Tier 1 risk-based capital ratio | 11.1515% | 5,811 |
| Total risk-based capital ratio | 12.1451% | 6,016 |
| Memoranda: | ||
| Average total assets | $803,169,500 | 862 |
| Average earning assets | $758,335,000 | 824 |
| Average equity | $71,139,250 | 932 |
| Average total loans | $610,487,250 | 785 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2182% | 6,011 |
| Cost of funding earning assets | 2.2426% | 2,613 |
| Net interest margin | 2.9756% | 6,621 |
| Noninterest income to average assets | 0.9235% | 1,875 |
| Noninterest expense to average assets | 2.9951% | 4,102 |
| Loan and lease loss provision to assets | 0.4812% | 3,120 |
| Net operating income to assets | 0.3153% | 4,826 |
| Return on assets (ROA) | 0.3897% | 4,654 |
| Pretax return on assets | 0.3296% | 5,129 |
| Return on Equity (ROE) | 4.4145% | 4,336 |
| Retained earnings to average equity (ytd only) | -2.6197% | 5,893 |
| Net charge-offs to loans | 0.1426% | 4,744 |
| Credit loss provision to net charge-offs | 439.9533% | 1,054 |
| Earnings coverage of net charge-offs (x) | 6.7336% | 2,556 |
| Efficiency ratio | 80.1274% | 3,024 |
| Assets per employee ($millions) | 4.0329% | 3,618 |
| Cash dividends to net income (ytd only)* | 159.3443% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,300 |
| Loan loss allowance to noncurrent loans | 37.0717% | 5,938 |
| Noncurrent assets plus other real estate owned to assets | 2.2137% | 2,925 |
| Noncurrent loans to loans | 2.6802% | 2,685 |
| Net loans and leases to total assets | 73.3478% | 2,874 |
| Net loans and leases to deposits | 89.1445% | 2,966 |
| Net loans and leases to core deposits | 116.4501% | 2,676 |
| Total domestic deposits to total assets | 82.2797% | 4,576 |
| Equity capital to assets | 8.8187% | 5,569 |
| Core capital (leverage) ratio | 8.8050% | 4,935 |
| Tier 1 risk-based capital ratio | 11.1064% | 5,766 |
| Total risk-based capital ratio | 12.0481% | 6,021 |
| Memoranda: | ||
| Average total assets | $782,682,670 | 895 |
| Average earning assets | $738,613,670 | 868 |
| Average equity | $69,091,000 | 966 |
| Average total loans | $600,301,670 | 820 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2128% | 6,241 |
| Cost of funding earning assets | 2.2956% | 2,719 |
| Net interest margin | 2.9173% | 6,706 |
| Noninterest income to average assets | 0.8776% | 1,942 |
| Noninterest expense to average assets | 3.0150% | 3,698 |
| Loan and lease loss provision to assets | 0.1290% | 5,305 |
| Net operating income to assets | 0.4969% | 4,434 |
| Return on assets (ROA) | 0.5831% | 4,283 |
| Pretax return on assets | 0.5710% | 4,841 |
| Return on Equity (ROE) | 6.6022% | 3,780 |
| Retained earnings to average equity (ytd only) | 3.6931% | 3,848 |
| Net charge-offs to loans | 0.0568% | 4,672 |
| Credit loss provision to net charge-offs | 290.4762% | 1,672 |
| Earnings coverage of net charge-offs (x) | 13.8214% | 1,716 |
| Efficiency ratio | 82.9400% | 2,417 |
| Assets per employee ($millions) | 4.0588% | 3,542 |
| Cash dividends to net income (ytd only)* | 44.0617% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 7,131 |
| Loan loss allowance to noncurrent loans | 33.3608% | 6,308 |
| Noncurrent assets plus other real estate owned to assets | 1.9103% | 3,039 |
| Noncurrent loans to loans | 2.4216% | 2,719 |
| Net loans and leases to total assets | 72.9930% | 3,004 |
| Net loans and leases to deposits | 91.3942% | 2,710 |
| Net loans and leases to core deposits | 119.4716% | 2,465 |
| Total domestic deposits to total assets | 79.8660% | 5,413 |
| Equity capital to assets | 9.2213% | 5,061 |
| Core capital (leverage) ratio | 9.6709% | 3,791 |
| Tier 1 risk-based capital ratio | 11.6980% | 5,209 |
| Total risk-based capital ratio | 12.4649% | 5,598 |
| Memoranda: | ||
| Average total assets | $756,615,500 | 926 |
| Average earning assets | $713,547,000 | 897 |
| Average equity | $66,826,500 | 1,010 |
| Average total loans | $591,220,000 | 841 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1729% | 4,649 |
| Cost of funding earning assets | 2.5559% | 3,924 |
| Net interest margin | 3.6171% | 4,807 |
| Noninterest income to average assets | 1.0314% | 1,480 |
| Noninterest expense to average assets | 3.0931% | 3,720 |
| Loan and lease loss provision to assets | 0.2948% | 4,025 |
| Net operating income to assets | 0.7983% | 3,440 |
| Return on assets (ROA) | 0.8132% | 3,215 |
| Pretax return on assets | 1.0598% | 3,182 |
| Return on Equity (ROE) | 9.1779% | 2,580 |
| Retained earnings to average equity (ytd only) | 6.6921% | 1,265 |
| Net charge-offs to loans | 0.1210% | 5,034 |
| Credit loss provision to net charge-offs | 304.5603% | 1,480 |
| Earnings coverage of net charge-offs (x) | 13.7932% | 2,105 |
| Efficiency ratio | 69.7084% | 4,399 |
| Assets per employee ($millions) | 3.4871% | 4,705 |
| Cash dividends to net income (ytd only)* | 27.0841% | 4,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8057% | 7,083 |
| Loan loss allowance to noncurrent loans | 55.4570% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.2625% | 3,699 |
| Noncurrent loans to loans | 1.4528% | 3,622 |
| Net loans and leases to total assets | 82.7932% | 1,081 |
| Net loans and leases to deposits | 96.3532% | 2,393 |
| Net loans and leases to core deposits | 125.7435% | 2,178 |
| Total domestic deposits to total assets | 85.9268% | 2,434 |
| Equity capital to assets | 8.3773% | 6,299 |
| Core capital (leverage) ratio | 8.6279% | 5,326 |
| Tier 1 risk-based capital ratio | 9.4901% | 7,317 |
| Total risk-based capital ratio | 10.2729% | 7,750 |
| Memoranda: | ||
| Average total assets | $634,257,800 | 1,060 |
| Average earning assets | $595,647,400 | 1,028 |
| Average equity | $56,200,400 | 1,196 |
| Average total loans | $507,388,600 | 945 |