Home > The Fidelity Bank > Performance and Condition Ratios
The Fidelity Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2351% | 3,564 |
| Cost of funding earning assets | 0.4340% | 4,259 |
| Net interest margin | 3.8011% | 1,558 |
| Noninterest income to average assets | 0.7900% | 968 |
| Noninterest expense to average assets | 2.2089% | 3,095 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.5905% | 878 |
| Return on assets (ROA) | 1.5550% | 900 |
| Pretax return on assets | 2.0146% | 656 |
| Return on Equity (ROE) | 27.5500% | 232 |
| Retained earnings to average equity (ytd only) | 26.2717% | 63 |
| Net charge-offs to loans | 0.0666% | 1,184 |
| Credit loss provision to net charge-offs | 328.5714% | 900 |
| Earnings coverage of net charge-offs (x) | 54.4649% | 1,242 |
| Efficiency ratio | 50.1944% | 3,969 |
| Assets per employee ($millions) | 7.2542% | 1,899 |
| Cash dividends to net income (ytd only)* | 4.6350% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 1,822 |
| Loan loss allowance to noncurrent loans | 401.6273% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 2,190 |
| Noncurrent loans to loans | 0.3210% | 2,029 |
| Net loans and leases to total assets | 63.6300% | 2,496 |
| Net loans and leases to deposits | 70.5036% | 2,849 |
| Net loans and leases to core deposits | 73.7747% | 3,087 |
| Total domestic deposits to total assets | 90.2500% | 697 |
| Equity capital to assets | 6.8746% | 3,981 |
| Core capital (leverage) ratio | 9.3184% | 3,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2195% | 1,793 |
| Memoranda: | ||
| Average total assets | $3,757,335,000 | 339 |
| Average earning assets | $3,565,414,600 | 321 |
| Average equity | $212,079,800 | 512 |
| Average total loans | $2,271,185,400 | 367 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1438% | 3,571 |
| Cost of funding earning assets | 0.3299% | 4,332 |
| Net interest margin | 3.8139% | 1,568 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.2345% | 2,977 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.5940% | 949 |
| Return on assets (ROA) | 1.5947% | 943 |
| Pretax return on assets | 2.0663% | 697 |
| Return on Equity (ROE) | 29.9100% | 228 |
| Retained earnings to average equity (ytd only) | 28.5495% | 104 |
| Net charge-offs to loans | -0.0060% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 50.8059% | 3,851 |
| Assets per employee ($millions) | 7.2920% | 1,758 |
| Cash dividends to net income (ytd only)* | 4.5349% | 2,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 1,804 |
| Loan loss allowance to noncurrent loans | 734.8506% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 2,824 |
| Noncurrent loans to loans | 0.1787% | 2,654 |
| Net loans and leases to total assets | 61.9200% | 2,664 |
| Net loans and leases to deposits | 67.0266% | 3,053 |
| Net loans and leases to core deposits | 69.4746% | 3,231 |
| Total domestic deposits to total assets | 92.3800% | 390 |
| Equity capital to assets | 5.1593% | 4,221 |
| Core capital (leverage) ratio | 9.1273% | 3,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0926% | 1,862 |
| Memoranda: | ||
| Average total assets | $3,746,363,000 | 344 |
| Average earning assets | $3,554,498,000 | 324 |
| Average equity | $199,770,000 | 533 |
| Average total loans | $2,226,379,250 | 371 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 3,632 |
| Cost of funding earning assets | 0.2244% | 4,401 |
| Net interest margin | 3.8005% | 1,626 |
| Noninterest income to average assets | 0.7700% | 930 |
| Noninterest expense to average assets | 2.2231% | 3,006 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.5729% | 983 |
| Return on assets (ROA) | 1.5740% | 980 |
| Pretax return on assets | 2.0395% | 702 |
| Return on Equity (ROE) | 29.2000% | 231 |
| Retained earnings to average equity (ytd only) | 27.8560% | 91 |
| Net charge-offs to loans | -0.0118% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.7296% | 3,869 |
| Assets per employee ($millions) | 7.2212% | 1,775 |
| Cash dividends to net income (ytd only)* | 4.6024% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3426% | 1,743 |
| Loan loss allowance to noncurrent loans | 650.3622% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 2,667 |
| Noncurrent loans to loans | 0.2064% | 2,434 |
| Net loans and leases to total assets | 59.8600% | 2,784 |
| Net loans and leases to deposits | 64.5907% | 3,157 |
| Net loans and leases to core deposits | 66.6162% | 3,318 |
| Total domestic deposits to total assets | 92.6700% | 300 |
| Equity capital to assets | 5.6720% | 4,245 |
| Core capital (leverage) ratio | 8.8483% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9751% | 1,909 |
| Memoranda: | ||
| Average total assets | $3,740,923,333 | 331 |
| Average earning assets | $3,552,985,333 | 311 |
| Average equity | $201,651,000 | 521 |
| Average total loans | $2,181,569,667 | 363 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9352% | 3,601 |
| Cost of funding earning assets | 0.1141% | 4,515 |
| Net interest margin | 3.8211% | 1,643 |
| Noninterest income to average assets | 0.7600% | 945 |
| Noninterest expense to average assets | 2.1775% | 3,159 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.6065% | 970 |
| Return on assets (ROA) | 1.6086% | 963 |
| Pretax return on assets | 2.0844% | 675 |
| Return on Equity (ROE) | 30.6400% | 223 |
| Retained earnings to average equity (ytd only) | 29.2637% | 118 |
| Net charge-offs to loans | -0.0161% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.5470% | 3,977 |
| Assets per employee ($millions) | 7.3722% | 1,700 |
| Cash dividends to net income (ytd only)* | 4.5043% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 1,802 |
| Loan loss allowance to noncurrent loans | 613.3111% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 2,616 |
| Noncurrent loans to loans | 0.2207% | 2,376 |
| Net loans and leases to total assets | 57.3800% | 2,923 |
| Net loans and leases to deposits | 61.1558% | 3,271 |
| Net loans and leases to core deposits | 62.2385% | 3,434 |
| Total domestic deposits to total assets | 93.8300% | 188 |
| Equity capital to assets | 5.6800% | 4,297 |
| Core capital (leverage) ratio | 8.4745% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0407% | 1,961 |
| Memoranda: | ||
| Average total assets | $3,737,482,000 | 343 |
| Average earning assets | $3,554,295,000 | 323 |
| Average equity | $196,188,500 | 544 |
| Average total loans | $2,135,417,500 | 381 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2801% | 3,639 |
| Cost of funding earning assets | 0.0411% | 4,591 |
| Net interest margin | 3.2390% | 2,740 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.0221% | 3,526 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.3036% | 1,411 |
| Return on assets (ROA) | 1.3036% | 1,377 |
| Pretax return on assets | 1.7239% | 874 |
| Return on Equity (ROE) | 23.1500% | 275 |
| Retained earnings to average equity (ytd only) | 22.1137% | 61 |
| Net charge-offs to loans | -0.0177% | 4,023 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 51.9514% | 3,983 |
| Assets per employee ($millions) | 7.2006% | 1,826 |
| Cash dividends to net income (ytd only)* | 4.4648% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5135% | 1,165 |
| Loan loss allowance to noncurrent loans | 648.1785% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1310% | 2,598 |
| Noncurrent loans to loans | 0.2335% | 2,337 |
| Net loans and leases to total assets | 55.2500% | 3,098 |
| Net loans and leases to deposits | 58.2394% | 3,440 |
| Net loans and leases to core deposits | 58.6005% | 3,581 |
| Total domestic deposits to total assets | 94.8700% | 155 |
| Equity capital to assets | 4.8167% | 4,408 |
| Core capital (leverage) ratio | 8.1754% | 4,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6948% | 2,095 |
| Memoranda: | ||
| Average total assets | $3,724,882,000 | 331 |
| Average earning assets | $3,554,109,000 | 317 |
| Average equity | $209,779,000 | 505 |
| Average total loans | $1,899,076,800 | 395 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0652% | 3,754 |
| Cost of funding earning assets | 0.0385% | 4,618 |
| Net interest margin | 3.0267% | 3,151 |
| Noninterest income to average assets | 0.8300% | 974 |
| Noninterest expense to average assets | 2.0507% | 3,346 |
| Loan and lease loss provision to assets | 0.1400% | 734 |
| Net operating income to assets | 1.1820% | 1,763 |
| Return on assets (ROA) | 1.1820% | 1,732 |
| Pretax return on assets | 1.5317% | 1,319 |
| Return on Equity (ROE) | 20.2500% | 412 |
| Retained earnings to average equity (ytd only) | 19.2568% | 125 |
| Net charge-offs to loans | -0.0194% | 3,984 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.1184% | 3,707 |
| Assets per employee ($millions) | 7.5454% | 1,587 |
| Cash dividends to net income (ytd only)* | 4.9255% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 1,234 |
| Loan loss allowance to noncurrent loans | 582.8738% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,652 |
| Noncurrent loans to loans | 0.2614% | 2,329 |
| Net loans and leases to total assets | 51.2100% | 3,366 |
| Net loans and leases to deposits | 53.5407% | 3,630 |
| Net loans and leases to core deposits | 53.8129% | 3,758 |
| Total domestic deposits to total assets | 95.6500% | 159 |
| Equity capital to assets | 4.0401% | 4,470 |
| Core capital (leverage) ratio | 7.7650% | 4,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6360% | 2,207 |
| Memoranda: | ||
| Average total assets | $3,723,628,000 | 331 |
| Average earning assets | $3,555,907,500 | 318 |
| Average equity | $217,309,500 | 492 |
| Average total loans | $1,850,737,000 | 399 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8702% | 3,852 |
| Cost of funding earning assets | 0.0376% | 4,664 |
| Net interest margin | 2.8326% | 3,339 |
| Noninterest income to average assets | 0.8677% | 909 |
| Noninterest expense to average assets | 2.0598% | 3,263 |
| Loan and lease loss provision to assets | 0.0877% | 1,123 |
| Net operating income to assets | 1.1035% | 1,762 |
| Return on assets (ROA) | 1.1035% | 1,736 |
| Pretax return on assets | 1.4296% | 1,361 |
| Return on Equity (ROE) | 17.1127% | 554 |
| Retained earnings to average equity (ytd only) | 16.2046% | 180 |
| Net charge-offs to loans | -0.0224% | 3,925 |
| Credit loss provision to net charge-offs | -799.5074% | 3,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5592% | 3,617 |
| Assets per employee ($millions) | 7.7174% | 1,466 |
| Cash dividends to net income (ytd only)* | 5.3067% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,454 |
| Loan loss allowance to noncurrent loans | 528.3565% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 2,748 |
| Noncurrent loans to loans | 0.2807% | 2,339 |
| Net loans and leases to total assets | 48.4339% | 3,515 |
| Net loans and leases to deposits | 51.2872% | 3,739 |
| Net loans and leases to core deposits | 51.5979% | 3,839 |
| Total domestic deposits to total assets | 94.4366% | 203 |
| Equity capital to assets | 5.2971% | 4,419 |
| Core capital (leverage) ratio | 7.6060% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8105% | 2,151 |
| Memoranda: | ||
| Average total assets | $3,702,240,667 | 326 |
| Average earning assets | $3,541,303,667 | 317 |
| Average equity | $238,735,333 | 463 |
| Average total loans | $1,811,015,667 | 396 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7705% | 3,802 |
| Cost of funding earning assets | 0.0372% | 4,678 |
| Net interest margin | 2.7333% | 3,330 |
| Noninterest income to average assets | 0.9193% | 813 |
| Noninterest expense to average assets | 2.0921% | 3,170 |
| Loan and lease loss provision to assets | 0.0215% | 1,969 |
| Net operating income to assets | 1.1034% | 1,519 |
| Return on assets (ROA) | 1.1034% | 1,506 |
| Pretax return on assets | 1.4290% | 1,183 |
| Return on Equity (ROE) | 15.6544% | 564 |
| Retained earnings to average equity (ytd only) | 14.8119% | 302 |
| Net charge-offs to loans | -0.0258% | 4,023 |
| Credit loss provision to net charge-offs | -170.4348% | 2,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0196% | 3,583 |
| Assets per employee ($millions) | 7.4902% | 1,688 |
| Cash dividends to net income (ytd only)* | 5.3818% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 1,679 |
| Loan loss allowance to noncurrent loans | 486.5331% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.1442% | 2,784 |
| Noncurrent loans to loans | 0.3002% | 2,389 |
| Net loans and leases to total assets | 47.3373% | 3,458 |
| Net loans and leases to deposits | 50.6197% | 3,681 |
| Net loans and leases to core deposits | 50.9227% | 3,816 |
| Total domestic deposits to total assets | 93.5155% | 170 |
| Equity capital to assets | 6.1861% | 4,538 |
| Core capital (leverage) ratio | 7.5854% | 4,516 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9752% | 2,219 |
| Memoranda: | ||
| Average total assets | $3,651,025,500 | 332 |
| Average earning assets | $3,504,076,500 | 322 |
| Average equity | $257,333,500 | 443 |
| Average total loans | $1,781,276,500 | 399 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0677% | 3,748 |
| Cost of funding earning assets | 0.0404% | 4,727 |
| Net interest margin | 3.0273% | 3,122 |
| Noninterest income to average assets | 0.9828% | 1,037 |
| Noninterest expense to average assets | 2.1571% | 3,212 |
| Loan and lease loss provision to assets | 0.0941% | 1,331 |
| Net operating income to assets | 1.2842% | 1,649 |
| Return on assets (ROA) | 1.2982% | 1,651 |
| Pretax return on assets | 1.6546% | 1,259 |
| Return on Equity (ROE) | 15.5687% | 828 |
| Retained earnings to average equity (ytd only) | 14.8125% | 241 |
| Net charge-offs to loans | -0.0506% | 4,329 |
| Credit loss provision to net charge-offs | -352.8389% | 3,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4382% | 3,765 |
| Assets per employee ($millions) | 7.1719% | 1,812 |
| Cash dividends to net income (ytd only)* | 4.8570% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,676 |
| Loan loss allowance to noncurrent loans | 466.4027% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 2,850 |
| Noncurrent loans to loans | 0.3145% | 2,464 |
| Net loans and leases to total assets | 48.8470% | 3,420 |
| Net loans and leases to deposits | 53.2245% | 3,646 |
| Net loans and leases to core deposits | 53.5694% | 3,786 |
| Total domestic deposits to total assets | 91.7755% | 242 |
| Equity capital to assets | 7.9523% | 4,387 |
| Core capital (leverage) ratio | 7.6160% | 4,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2340% | 2,149 |
| Memoranda: | ||
| Average total assets | $3,235,360,200 | 352 |
| Average earning assets | $3,105,109,200 | 342 |
| Average equity | $269,778,000 | 420 |
| Average total loans | $1,705,172,000 | 409 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0985% | 3,812 |
| Cost of funding earning assets | 0.0411% | 4,810 |
| Net interest margin | 3.0574% | 3,155 |
| Noninterest income to average assets | 0.9894% | 1,089 |
| Noninterest expense to average assets | 2.1785% | 3,143 |
| Loan and lease loss provision to assets | 0.0818% | 1,445 |
| Net operating income to assets | 1.2810% | 1,881 |
| Return on assets (ROA) | 1.3001% | 1,887 |
| Pretax return on assets | 1.6841% | 1,445 |
| Return on Equity (ROE) | 15.3899% | 1,062 |
| Retained earnings to average equity (ytd only) | 14.6410% | 443 |
| Net charge-offs to loans | -0.0732% | 4,500 |
| Credit loss provision to net charge-offs | -208.5129% | 3,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5295% | 3,588 |
| Assets per employee ($millions) | 6.7175% | 2,080 |
| Cash dividends to net income (ytd only)* | 4.8658% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,899 |
| Loan loss allowance to noncurrent loans | 450.3531% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 3,037 |
| Noncurrent loans to loans | 0.3173% | 2,642 |
| Net loans and leases to total assets | 50.2836% | 3,378 |
| Net loans and leases to deposits | 54.8029% | 3,672 |
| Net loans and leases to core deposits | 55.1666% | 3,840 |
| Total domestic deposits to total assets | 91.7535% | 177 |
| Equity capital to assets | 7.9567% | 4,542 |
| Core capital (leverage) ratio | 7.7205% | 4,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5138% | 2,161 |
| Memoranda: | ||
| Average total assets | $3,153,093,500 | 361 |
| Average earning assets | $3,022,662,500 | 348 |
| Average equity | $266,358,750 | 426 |
| Average total loans | $1,689,706,250 | 417 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1287% | 3,806 |
| Cost of funding earning assets | 0.0420% | 4,849 |
| Net interest margin | 3.0867% | 3,072 |
| Noninterest income to average assets | 1.0100% | 1,057 |
| Noninterest expense to average assets | 2.1575% | 3,215 |
| Loan and lease loss provision to assets | 0.0663% | 1,717 |
| Net operating income to assets | 1.3449% | 1,726 |
| Return on assets (ROA) | 1.3449% | 1,805 |
| Pretax return on assets | 1.7422% | 1,380 |
| Return on Equity (ROE) | 15.5843% | 1,041 |
| Retained earnings to average equity (ytd only) | 14.8648% | 451 |
| Net charge-offs to loans | -0.0878% | 4,587 |
| Credit loss provision to net charge-offs | -138.5559% | 3,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3593% | 3,754 |
| Assets per employee ($millions) | 6.7856% | 1,958 |
| Cash dividends to net income (ytd only)* | 4.6167% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 1,988 |
| Loan loss allowance to noncurrent loans | 413.1629% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 3,079 |
| Noncurrent loans to loans | 0.3382% | 2,696 |
| Net loans and leases to total assets | 51.6982% | 3,372 |
| Net loans and leases to deposits | 56.5690% | 3,674 |
| Net loans and leases to core deposits | 56.9679% | 3,836 |
| Total domestic deposits to total assets | 91.3896% | 258 |
| Equity capital to assets | 8.2620% | 4,387 |
| Core capital (leverage) ratio | 7.7341% | 4,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9343% | 1,993 |
| Memoranda: | ||
| Average total assets | $3,066,631,333 | 367 |
| Average earning assets | $2,936,828,000 | 353 |
| Average equity | $264,638,333 | 429 |
| Average total loans | $1,672,677,667 | 425 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1541% | 3,771 |
| Cost of funding earning assets | 0.0435% | 4,887 |
| Net interest margin | 3.1106% | 2,955 |
| Noninterest income to average assets | 0.9787% | 1,167 |
| Noninterest expense to average assets | 2.1452% | 3,287 |
| Loan and lease loss provision to assets | 0.0762% | 1,670 |
| Net operating income to assets | 1.3389% | 1,713 |
| Return on assets (ROA) | 1.3389% | 1,800 |
| Pretax return on assets | 1.7343% | 1,425 |
| Return on Equity (ROE) | 15.1639% | 1,178 |
| Retained earnings to average equity (ytd only) | 14.5433% | 685 |
| Net charge-offs to loans | -0.1288% | 4,705 |
| Credit loss provision to net charge-offs | -106.1798% | 2,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1865% | 3,762 |
| Assets per employee ($millions) | 6.6930% | 2,003 |
| Cash dividends to net income (ytd only)* | 4.0927% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,270 |
| Loan loss allowance to noncurrent loans | 383.7124% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 3,205 |
| Noncurrent loans to loans | 0.3479% | 2,844 |
| Net loans and leases to total assets | 54.6449% | 3,173 |
| Net loans and leases to deposits | 59.9138% | 3,491 |
| Net loans and leases to core deposits | 60.3583% | 3,674 |
| Total domestic deposits to total assets | 91.2059% | 327 |
| Equity capital to assets | 8.3899% | 4,199 |
| Core capital (leverage) ratio | 8.2855% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4694% | 1,752 |
| Memoranda: | ||
| Average total assets | $2,978,178,500 | 374 |
| Average earning assets | $2,850,296,500 | 360 |
| Average equity | $262,966,500 | 424 |
| Average total loans | $1,658,710,500 | 429 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4591% | 4,100 |
| Cost of funding earning assets | 0.0809% | 4,909 |
| Net interest margin | 3.3782% | 2,841 |
| Noninterest income to average assets | 1.0942% | 891 |
| Noninterest expense to average assets | 2.4972% | 2,853 |
| Loan and lease loss provision to assets | 0.1668% | 2,299 |
| Net operating income to assets | 1.2892% | 1,277 |
| Return on assets (ROA) | 1.2892% | 1,379 |
| Pretax return on assets | 1.6381% | 983 |
| Return on Equity (ROE) | 12.9487% | 1,053 |
| Retained earnings to average equity (ytd only) | 7.0289% | 1,388 |
| Net charge-offs to loans | -0.0027% | 4,025 |
| Credit loss provision to net charge-offs | -10,350.0000% | 4,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9990% | 3,726 |
| Assets per employee ($millions) | 6.1671% | 2,198 |
| Cash dividends to net income (ytd only)* | 45.7176% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 2,017 |
| Loan loss allowance to noncurrent loans | 367.0168% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,230 |
| Noncurrent loans to loans | 0.3780% | 2,851 |
| Net loans and leases to total assets | 55.2615% | 3,366 |
| Net loans and leases to deposits | 61.2626% | 3,656 |
| Net loans and leases to core deposits | 61.7625% | 3,842 |
| Total domestic deposits to total assets | 90.2044% | 482 |
| Equity capital to assets | 9.3155% | 3,774 |
| Core capital (leverage) ratio | 8.4945% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8155% | 1,593 |
| Memoranda: | ||
| Average total assets | $2,482,425,200 | 400 |
| Average earning assets | $2,357,251,400 | 385 |
| Average equity | $247,152,000 | 422 |
| Average total loans | $1,476,862,800 | 455 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3791% | 4,377 |
| Cost of funding earning assets | 0.0924% | 4,935 |
| Net interest margin | 3.2867% | 3,232 |
| Noninterest income to average assets | 1.0787% | 896 |
| Noninterest expense to average assets | 2.5191% | 2,780 |
| Loan and lease loss provision to assets | 0.1358% | 2,658 |
| Net operating income to assets | 1.1808% | 1,705 |
| Return on assets (ROA) | 1.1808% | 1,824 |
| Pretax return on assets | 1.5398% | 1,356 |
| Return on Equity (ROE) | 11.6390% | 1,469 |
| Retained earnings to average equity (ytd only) | 3.8350% | 3,122 |
| Net charge-offs to loans | -0.0407% | 4,619 |
| Credit loss provision to net charge-offs | -550.5643% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0053% | 3,388 |
| Assets per employee ($millions) | 5.9497% | 2,308 |
| Cash dividends to net income (ytd only)* | 67.0501% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,434 |
| Loan loss allowance to noncurrent loans | 340.9383% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.2234% | 3,328 |
| Noncurrent loans to loans | 0.3643% | 2,980 |
| Net loans and leases to total assets | 60.5684% | 3,156 |
| Net loans and leases to deposits | 67.1679% | 3,537 |
| Net loans and leases to core deposits | 67.7442% | 3,767 |
| Total domestic deposits to total assets | 90.1746% | 370 |
| Equity capital to assets | 9.2747% | 3,877 |
| Core capital (leverage) ratio | 8.4868% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9160% | 1,526 |
| Memoranda: | ||
| Average total assets | $2,395,352,500 | 405 |
| Average earning assets | $2,270,898,250 | 388 |
| Average equity | $243,016,500 | 417 |
| Average total loans | $1,449,501,750 | 455 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4792% | 4,439 |
| Cost of funding earning assets | 0.1128% | 4,949 |
| Net interest margin | 3.3664% | 3,205 |
| Noninterest income to average assets | 1.0246% | 940 |
| Noninterest expense to average assets | 2.5889% | 2,700 |
| Loan and lease loss provision to assets | 0.1520% | 2,485 |
| Net operating income to assets | 1.1253% | 1,888 |
| Return on assets (ROA) | 1.1253% | 2,005 |
| Pretax return on assets | 1.4671% | 1,535 |
| Return on Equity (ROE) | 10.7267% | 1,729 |
| Retained earnings to average equity (ytd only) | -0.7885% | 4,442 |
| Net charge-offs to loans | -0.0154% | 4,329 |
| Credit loss provision to net charge-offs | -1,640.5660% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4702% | 3,207 |
| Assets per employee ($millions) | 5.8915% | 2,280 |
| Cash dividends to net income (ytd only)* | 107.3504% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,379 |
| Loan loss allowance to noncurrent loans | 339.2241% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.2197% | 3,450 |
| Noncurrent loans to loans | 0.3613% | 3,108 |
| Net loans and leases to total assets | 60.0684% | 3,316 |
| Net loans and leases to deposits | 66.6563% | 3,666 |
| Net loans and leases to core deposits | 67.1095% | 3,916 |
| Total domestic deposits to total assets | 90.1167% | 375 |
| Equity capital to assets | 9.2937% | 3,837 |
| Core capital (leverage) ratio | 8.7571% | 4,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8861% | 1,522 |
| Memoranda: | ||
| Average total assets | $2,287,460,333 | 409 |
| Average earning assets | $2,163,115,333 | 397 |
| Average equity | $239,961,667 | 419 |
| Average total loans | $1,376,807,333 | 470 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7548% | 4,290 |
| Cost of funding earning assets | 0.1482% | 4,972 |
| Net interest margin | 3.6066% | 2,644 |
| Noninterest income to average assets | 1.0853% | 720 |
| Noninterest expense to average assets | 2.7732% | 2,506 |
| Loan and lease loss provision to assets | 0.1682% | 1,743 |
| Net operating income to assets | 1.1821% | 1,580 |
| Return on assets (ROA) | 1.1821% | 1,698 |
| Pretax return on assets | 1.5405% | 1,206 |
| Return on Equity (ROE) | 10.5186% | 1,565 |
| Retained earnings to average equity (ytd only) | -12.0830% | 4,833 |
| Net charge-offs to loans | 0.0193% | 1,977 |
| Credit loss provision to net charge-offs | 1,455.7377% | 454 |
| Earnings coverage of net charge-offs (x) | 147.8689% | 435 |
| Efficiency ratio | 61.8200% | 3,519 |
| Assets per employee ($millions) | 4.7788% | 2,900 |
| Cash dividends to net income (ytd only)* | 214.8718% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 1,526 |
| Loan loss allowance to noncurrent loans | 1,297.4965% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,268 |
| Noncurrent loans to loans | 0.1118% | 4,073 |
| Net loans and leases to total assets | 58.9635% | 3,596 |
| Net loans and leases to deposits | 66.7492% | 3,812 |
| Net loans and leases to core deposits | 67.3535% | 4,015 |
| Total domestic deposits to total assets | 88.3360% | 960 |
| Equity capital to assets | 11.0552% | 2,813 |
| Core capital (leverage) ratio | 10.1294% | 3,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4197% | 1,779 |
| Memoranda: | ||
| Average total assets | $2,111,491,000 | 426 |
| Average earning assets | $1,988,581,500 | 414 |
| Average equity | $237,293,000 | 427 |
| Average total loans | $1,262,650,500 | 490 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9780% | 4,302 |
| Cost of funding earning assets | 0.1521% | 5,045 |
| Net interest margin | 3.8259% | 2,419 |
| Noninterest income to average assets | 1.0680% | 832 |
| Noninterest expense to average assets | 2.7551% | 2,737 |
| Loan and lease loss provision to assets | 0.0375% | 3,262 |
| Net operating income to assets | 1.4510% | 1,184 |
| Return on assets (ROA) | 1.4510% | 1,246 |
| Pretax return on assets | 1.8627% | 812 |
| Return on Equity (ROE) | 13.2648% | 1,093 |
| Retained earnings to average equity (ytd only) | 12.5599% | 200 |
| Net charge-offs to loans | -0.0275% | 4,697 |
| Credit loss provision to net charge-offs | -233.3333% | 4,318 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1285% | 3,822 |
| Assets per employee ($millions) | 4.5954% | 3,090 |
| Cash dividends to net income (ytd only)* | 5.3136% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 1,394 |
| Loan loss allowance to noncurrent loans | 1,212.9252% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 4,227 |
| Noncurrent loans to loans | 0.1187% | 4,060 |
| Net loans and leases to total assets | 58.9054% | 3,679 |
| Net loans and leases to deposits | 66.9242% | 3,901 |
| Net loans and leases to core deposits | 67.5786% | 4,103 |
| Total domestic deposits to total assets | 88.0180% | 1,117 |
| Equity capital to assets | 11.4280% | 2,592 |
| Core capital (leverage) ratio | 10.4766% | 2,977 |
| Tier 1 risk-based capital ratio | 15.0845% | 2,752 |
| Total risk-based capital ratio | 16.3246% | 2,679 |
| Memoranda: | ||
| Average total assets | $2,014,295,000 | 424 |
| Average earning assets | $1,888,656,800 | 411 |
| Average equity | $220,335,600 | 437 |
| Average total loans | $1,178,086,400 | 497 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 4,370 |
| Cost of funding earning assets | 0.1473% | 5,129 |
| Net interest margin | 3.8493% | 2,437 |
| Noninterest income to average assets | 1.0752% | 794 |
| Noninterest expense to average assets | 2.7883% | 2,591 |
| Loan and lease loss provision to assets | 0.0093% | 3,704 |
| Net operating income to assets | 1.4681% | 1,279 |
| Return on assets (ROA) | 1.4681% | 1,337 |
| Pretax return on assets | 1.8857% | 895 |
| Return on Equity (ROE) | 13.5786% | 1,086 |
| Retained earnings to average equity (ytd only) | 12.8725% | 299 |
| Net charge-offs to loans | -0.0343% | 4,737 |
| Credit loss provision to net charge-offs | -46.8227% | 4,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4821% | 3,734 |
| Assets per employee ($millions) | 4.6025% | 3,050 |
| Cash dividends to net income (ytd only)* | 5.2001% | 3,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,399 |
| Loan loss allowance to noncurrent loans | 1,032.9928% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,226 |
| Noncurrent loans to loans | 0.1403% | 4,035 |
| Net loans and leases to total assets | 56.8247% | 3,986 |
| Net loans and leases to deposits | 64.4523% | 4,148 |
| Net loans and leases to core deposits | 65.0766% | 4,322 |
| Total domestic deposits to total assets | 88.1655% | 965 |
| Equity capital to assets | 11.2032% | 2,919 |
| Core capital (leverage) ratio | 10.4869% | 3,115 |
| Tier 1 risk-based capital ratio | 15.2712% | 2,728 |
| Total risk-based capital ratio | 16.5209% | 2,659 |
| Memoranda: | ||
| Average total assets | $1,999,741,000 | 430 |
| Average earning assets | $1,874,431,750 | 417 |
| Average equity | $216,207,750 | 450 |
| Average total loans | $1,162,945,500 | 507 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9781% | 4,417 |
| Cost of funding earning assets | 0.1410% | 5,179 |
| Net interest margin | 3.8370% | 2,449 |
| Noninterest income to average assets | 1.0018% | 868 |
| Noninterest expense to average assets | 2.7920% | 2,614 |
| Loan and lease loss provision to assets | 0.0141% | 3,494 |
| Net operating income to assets | 1.3466% | 1,592 |
| Return on assets (ROA) | 1.3466% | 1,656 |
| Pretax return on assets | 1.7898% | 1,059 |
| Return on Equity (ROE) | 12.6130% | 1,369 |
| Retained earnings to average equity (ytd only) | 11.9150% | 414 |
| Net charge-offs to loans | -0.0616% | 4,885 |
| Credit loss provision to net charge-offs | -39.3258% | 3,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6939% | 3,628 |
| Assets per employee ($millions) | 4.6034% | 2,999 |
| Cash dividends to net income (ytd only)* | 5.5343% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4706% | 1,360 |
| Loan loss allowance to noncurrent loans | 1,144.3928% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 4,188 |
| Noncurrent loans to loans | 0.1285% | 4,100 |
| Net loans and leases to total assets | 57.4387% | 3,967 |
| Net loans and leases to deposits | 64.9572% | 4,162 |
| Net loans and leases to core deposits | 65.5143% | 4,337 |
| Total domestic deposits to total assets | 88.4256% | 909 |
| Equity capital to assets | 10.9882% | 3,072 |
| Core capital (leverage) ratio | 10.2597% | 3,321 |
| Tier 1 risk-based capital ratio | 14.7097% | 2,957 |
| Total risk-based capital ratio | 15.9598% | 2,888 |
| Memoranda: | ||
| Average total assets | $1,980,546,000 | 432 |
| Average earning assets | $1,855,124,000 | 420 |
| Average equity | $211,448,000 | 456 |
| Average total loans | $1,155,174,670 | 511 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 4,471 |
| Cost of funding earning assets | 0.1353% | 5,231 |
| Net interest margin | 3.8156% | 2,464 |
| Noninterest income to average assets | 0.9791% | 858 |
| Noninterest expense to average assets | 2.7455% | 2,760 |
| Loan and lease loss provision to assets | 0.0285% | 3,042 |
| Net operating income to assets | 1.3372% | 1,569 |
| Return on assets (ROA) | 1.3372% | 1,604 |
| Pretax return on assets | 1.7767% | 1,030 |
| Return on Equity (ROE) | 12.7153% | 1,318 |
| Retained earnings to average equity (ytd only) | 12.0804% | 596 |
| Net charge-offs to loans | -0.0398% | 4,762 |
| Credit loss provision to net charge-offs | -122.8070% | 3,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2729% | 3,768 |
| Assets per employee ($millions) | 4.5990% | 3,045 |
| Cash dividends to net income (ytd only)* | 4.9931% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,416 |
| Loan loss allowance to noncurrent loans | 1,390.2698% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.1428% | 4,088 |
| Noncurrent loans to loans | 0.1060% | 4,261 |
| Net loans and leases to total assets | 56.8142% | 3,996 |
| Net loans and leases to deposits | 63.9751% | 4,179 |
| Net loans and leases to core deposits | 64.5267% | 4,354 |
| Total domestic deposits to total assets | 88.8067% | 957 |
| Equity capital to assets | 10.5821% | 3,271 |
| Core capital (leverage) ratio | 10.2523% | 3,327 |
| Tier 1 risk-based capital ratio | 14.3987% | 3,146 |
| Total risk-based capital ratio | 15.6487% | 3,074 |
| Memoranda: | ||
| Average total assets | $1,964,977,000 | 435 |
| Average earning assets | $1,839,315,000 | 428 |
| Average equity | $206,648,500 | 460 |
| Average total loans | $1,146,396,000 | 515 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 4,403 |
| Cost of funding earning assets | 0.0689% | 5,342 |
| Net interest margin | 3.7738% | 2,763 |
| Noninterest income to average assets | 0.9069% | 1,164 |
| Noninterest expense to average assets | 2.7424% | 2,886 |
| Loan and lease loss provision to assets | 0.0399% | 3,394 |
| Net operating income to assets | 1.2745% | 1,895 |
| Return on assets (ROA) | 1.2745% | 1,893 |
| Pretax return on assets | 1.6439% | 1,329 |
| Return on Equity (ROE) | 12.2497% | 1,631 |
| Retained earnings to average equity (ytd only) | 4.0649% | 3,327 |
| Net charge-offs to loans | 0.0740% | 2,060 |
| Credit loss provision to net charge-offs | 93.5366% | 2,672 |
| Earnings coverage of net charge-offs (x) | 39.4585% | 1,327 |
| Efficiency ratio | 61.8995% | 3,548 |
| Assets per employee ($millions) | 4.4974% | 3,176 |
| Cash dividends to net income (ytd only)* | 66.8164% | 1,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4704% | 1,378 |
| Loan loss allowance to noncurrent loans | 994.6556% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 3,943 |
| Noncurrent loans to loans | 0.1478% | 4,081 |
| Net loans and leases to total assets | 58.1757% | 3,945 |
| Net loans and leases to deposits | 65.3597% | 4,163 |
| Net loans and leases to core deposits | 65.9108% | 4,363 |
| Total domestic deposits to total assets | 89.0084% | 850 |
| Equity capital to assets | 10.4486% | 3,240 |
| Core capital (leverage) ratio | 9.7475% | 3,857 |
| Tier 1 risk-based capital ratio | 14.1549% | 3,214 |
| Total risk-based capital ratio | 15.4050% | 3,150 |
| Memoranda: | ||
| Average total assets | $1,921,598,400 | 428 |
| Average earning assets | $1,791,989,800 | 416 |
| Average equity | $199,930,800 | 450 |
| Average total loans | $1,108,278,400 | 515 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,548 |
| Cost of funding earning assets | 0.0595% | 5,421 |
| Net interest margin | 3.6921% | 3,051 |
| Noninterest income to average assets | 0.8964% | 1,215 |
| Noninterest expense to average assets | 2.7175% | 2,925 |
| Loan and lease loss provision to assets | 0.0424% | 3,140 |
| Net operating income to assets | 1.2169% | 2,170 |
| Return on assets (ROA) | 1.2169% | 2,170 |
| Pretax return on assets | 1.5782% | 1,643 |
| Return on Equity (ROE) | 11.7081% | 1,905 |
| Retained earnings to average equity (ytd only) | 10.0207% | 918 |
| Net charge-offs to loans | 0.0366% | 2,349 |
| Credit loss provision to net charge-offs | 201.9868% | 1,368 |
| Earnings coverage of net charge-offs (x) | 77.2609% | 897 |
| Efficiency ratio | 62.5819% | 3,411 |
| Assets per employee ($millions) | 4.5410% | 3,057 |
| Cash dividends to net income (ytd only)* | 14.4121% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5044% | 1,331 |
| Loan loss allowance to noncurrent loans | 689.9597% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 3,974 |
| Noncurrent loans to loans | 0.2180% | 3,926 |
| Net loans and leases to total assets | 57.3750% | 4,101 |
| Net loans and leases to deposits | 64.5397% | 4,303 |
| Net loans and leases to core deposits | 65.0430% | 4,454 |
| Total domestic deposits to total assets | 88.8989% | 876 |
| Equity capital to assets | 10.4584% | 3,180 |
| Core capital (leverage) ratio | 10.2323% | 3,365 |
| Tier 1 risk-based capital ratio | 14.5427% | 3,104 |
| Total risk-based capital ratio | 15.7929% | 3,018 |
| Memoranda: | ||
| Average total assets | $1,919,655,750 | 423 |
| Average earning assets | $1,789,450,000 | 415 |
| Average equity | $199,515,250 | 448 |
| Average total loans | $1,100,554,750 | 513 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7040% | 4,573 |
| Cost of funding earning assets | 0.0587% | 5,480 |
| Net interest margin | 3.6453% | 3,134 |
| Noninterest income to average assets | 0.8988% | 1,186 |
| Noninterest expense to average assets | 2.7045% | 3,002 |
| Loan and lease loss provision to assets | 0.0265% | 3,385 |
| Net operating income to assets | 1.1696% | 2,315 |
| Return on assets (ROA) | 1.1696% | 2,316 |
| Pretax return on assets | 1.5631% | 1,626 |
| Return on Equity (ROE) | 11.2776% | 2,003 |
| Retained earnings to average equity (ytd only) | 9.5812% | 1,044 |
| Net charge-offs to loans | 0.0044% | 3,018 |
| Credit loss provision to net charge-offs | 1,054.1667% | 388 |
| Earnings coverage of net charge-offs (x) | 632.0833% | 132 |
| Efficiency ratio | 62.9209% | 3,498 |
| Assets per employee ($millions) | 4.5129% | 3,114 |
| Cash dividends to net income (ytd only)* | 15.0421% | 3,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 1,283 |
| Loan loss allowance to noncurrent loans | 847.7850% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 4,135 |
| Noncurrent loans to loans | 0.1812% | 4,094 |
| Net loans and leases to total assets | 56.2726% | 4,138 |
| Net loans and leases to deposits | 63.1990% | 4,341 |
| Net loans and leases to core deposits | 63.7342% | 4,505 |
| Total domestic deposits to total assets | 89.0403% | 918 |
| Equity capital to assets | 10.3435% | 3,289 |
| Core capital (leverage) ratio | 10.0542% | 3,521 |
| Tier 1 risk-based capital ratio | 14.5135% | 3,107 |
| Total risk-based capital ratio | 15.7640% | 3,027 |
| Memoranda: | ||
| Average total assets | $1,908,670,670 | 427 |
| Average earning assets | $1,777,759,670 | 418 |
| Average equity | $197,949,670 | 450 |
| Average total loans | $1,088,265,670 | 516 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6194% | 4,662 |
| Cost of funding earning assets | 0.0570% | 5,545 |
| Net interest margin | 3.5624% | 3,308 |
| Noninterest income to average assets | 0.8686% | 1,233 |
| Noninterest expense to average assets | 2.7190% | 2,978 |
| Loan and lease loss provision to assets | 0.0535% | 2,704 |
| Net operating income to assets | 1.0556% | 2,623 |
| Return on assets (ROA) | 1.0556% | 2,636 |
| Pretax return on assets | 1.4100% | 1,974 |
| Return on Equity (ROE) | 10.1646% | 2,349 |
| Retained earnings to average equity (ytd only) | 8.4674% | 1,669 |
| Net charge-offs to loans | 0.0330% | 1,844 |
| Credit loss provision to net charge-offs | 284.2697% | 848 |
| Earnings coverage of net charge-offs (x) | 77.8090% | 717 |
| Efficiency ratio | 64.9437% | 3,326 |
| Assets per employee ($millions) | 4.4452% | 3,252 |
| Cash dividends to net income (ytd only)* | 16.6967% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 1,257 |
| Loan loss allowance to noncurrent loans | 607.3014% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 4,087 |
| Noncurrent loans to loans | 0.2569% | 3,837 |
| Net loans and leases to total assets | 56.4037% | 4,092 |
| Net loans and leases to deposits | 63.3843% | 4,246 |
| Net loans and leases to core deposits | 63.9421% | 4,423 |
| Total domestic deposits to total assets | 88.9869% | 1,096 |
| Equity capital to assets | 10.3672% | 3,199 |
| Core capital (leverage) ratio | 10.0200% | 3,510 |
| Tier 1 risk-based capital ratio | 14.4832% | 3,133 |
| Total risk-based capital ratio | 15.7342% | 3,040 |
| Memoranda: | ||
| Average total assets | $1,892,737,500 | 436 |
| Average earning assets | $1,760,729,000 | 426 |
| Average equity | $196,564,500 | 457 |
| Average total loans | $1,077,887,500 | 523 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4247% | 4,909 |
| Cost of funding earning assets | 0.0664% | 5,585 |
| Net interest margin | 3.3583% | 3,980 |
| Noninterest income to average assets | 0.9255% | 1,199 |
| Noninterest expense to average assets | 2.6873% | 3,171 |
| Loan and lease loss provision to assets | 0.1111% | 2,039 |
| Net operating income to assets | 0.7181% | 3,527 |
| Return on assets (ROA) | 0.6945% | 3,679 |
| Pretax return on assets | 1.2173% | 2,703 |
| Return on Equity (ROE) | 6.8019% | 3,376 |
| Retained earnings to average equity (ytd only) | 5.0415% | 2,097 |
| Net charge-offs to loans | 0.1175% | 1,871 |
| Credit loss provision to net charge-offs | 170.9704% | 1,582 |
| Earnings coverage of net charge-offs (x) | 21.0173% | 1,932 |
| Efficiency ratio | 66.2348% | 3,223 |
| Assets per employee ($millions) | 4.4409% | 3,288 |
| Cash dividends to net income (ytd only)* | 25.8806% | 3,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5730% | 1,205 |
| Loan loss allowance to noncurrent loans | 560.2868% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 4,226 |
| Noncurrent loans to loans | 0.2807% | 3,779 |
| Net loans and leases to total assets | 55.7073% | 4,217 |
| Net loans and leases to deposits | 62.6328% | 4,396 |
| Net loans and leases to core deposits | 63.2610% | 4,584 |
| Total domestic deposits to total assets | 88.9426% | 1,031 |
| Equity capital to assets | 10.4033% | 3,263 |
| Core capital (leverage) ratio | 9.5479% | 3,981 |
| Tier 1 risk-based capital ratio | 14.2376% | 3,233 |
| Total risk-based capital ratio | 15.4886% | 3,125 |
| Memoranda: | ||
| Average total assets | $1,872,036,200 | 433 |
| Average earning assets | $1,743,105,800 | 423 |
| Average equity | $191,151,600 | 454 |
| Average total loans | $1,034,542,400 | 525 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3635% | 5,015 |
| Cost of funding earning assets | 0.0682% | 5,641 |
| Net interest margin | 3.2953% | 4,186 |
| Noninterest income to average assets | 0.9251% | 1,202 |
| Noninterest expense to average assets | 2.6613% | 3,200 |
| Loan and lease loss provision to assets | 0.0957% | 2,187 |
| Net operating income to assets | 0.7714% | 3,639 |
| Return on assets (ROA) | 0.7714% | 3,691 |
| Pretax return on assets | 1.2414% | 2,744 |
| Return on Equity (ROE) | 7.5910% | 3,350 |
| Retained earnings to average equity (ytd only) | 5.8177% | 2,368 |
| Net charge-offs to loans | 0.1052% | 1,740 |
| Credit loss provision to net charge-offs | 165.5556% | 1,563 |
| Earnings coverage of net charge-offs (x) | 23.1297% | 1,829 |
| Efficiency ratio | 66.4810% | 3,126 |
| Assets per employee ($millions) | 4.5206% | 3,102 |
| Cash dividends to net income (ytd only)* | 23.3601% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5544% | 1,349 |
| Loan loss allowance to noncurrent loans | 517.9560% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1947% | 4,323 |
| Noncurrent loans to loans | 0.3001% | 3,866 |
| Net loans and leases to total assets | 54.9443% | 4,330 |
| Net loans and leases to deposits | 61.6840% | 4,542 |
| Net loans and leases to core deposits | 62.3746% | 4,694 |
| Total domestic deposits to total assets | 89.0739% | 849 |
| Equity capital to assets | 10.2436% | 3,645 |
| Core capital (leverage) ratio | 9.6084% | 4,028 |
| Tier 1 risk-based capital ratio | 14.1359% | 3,386 |
| Total risk-based capital ratio | 15.3867% | 3,288 |
| Memoranda: | ||
| Average total assets | $1,868,198,750 | 436 |
| Average earning assets | $1,742,340,000 | 425 |
| Average equity | $189,852,000 | 457 |
| Average total loans | $1,026,124,500 | 530 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3046% | 5,097 |
| Cost of funding earning assets | 0.0705% | 5,680 |
| Net interest margin | 3.2341% | 4,315 |
| Noninterest income to average assets | 0.9000% | 1,273 |
| Noninterest expense to average assets | 2.6690% | 3,202 |
| Loan and lease loss provision to assets | 0.0209% | 3,564 |
| Net operating income to assets | 0.7623% | 3,579 |
| Return on assets (ROA) | 0.7623% | 3,627 |
| Pretax return on assets | 1.2263% | 2,673 |
| Return on Equity (ROE) | 7.5218% | 3,281 |
| Retained earnings to average equity (ytd only) | 5.7375% | 2,270 |
| Net charge-offs to loans | -0.0002% | 4,111 |
| Credit loss provision to net charge-offs | -19,400.0000% | 5,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0703% | 3,001 |
| Assets per employee ($millions) | 4.5666% | 3,000 |
| Cash dividends to net income (ytd only)* | 23.7221% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 1,385 |
| Loan loss allowance to noncurrent loans | 653.2389% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 4,536 |
| Noncurrent loans to loans | 0.2379% | 4,177 |
| Net loans and leases to total assets | 54.1898% | 4,375 |
| Net loans and leases to deposits | 60.7912% | 4,574 |
| Net loans and leases to core deposits | 61.6146% | 4,739 |
| Total domestic deposits to total assets | 89.1409% | 891 |
| Equity capital to assets | 10.1474% | 3,744 |
| Core capital (leverage) ratio | 9.5370% | 4,091 |
| Tier 1 risk-based capital ratio | 14.4321% | 3,199 |
| Total risk-based capital ratio | 15.6830% | 3,129 |
| Memoranda: | ||
| Average total assets | $1,858,051,000 | 440 |
| Average earning assets | $1,732,932,000 | 429 |
| Average equity | $188,306,000 | 458 |
| Average total loans | $1,014,943,670 | 537 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2432% | 5,188 |
| Cost of funding earning assets | 0.0724% | 5,737 |
| Net interest margin | 3.1709% | 4,434 |
| Noninterest income to average assets | 0.8976% | 1,255 |
| Noninterest expense to average assets | 2.6637% | 3,269 |
| Loan and lease loss provision to assets | 0.0204% | 3,314 |
| Net operating income to assets | 0.7271% | 3,578 |
| Return on assets (ROA) | 0.7271% | 3,627 |
| Pretax return on assets | 1.1698% | 2,709 |
| Return on Equity (ROE) | 7.1789% | 3,331 |
| Retained earnings to average equity (ytd only) | 5.3927% | 2,668 |
| Net charge-offs to loans | -0.0088% | 4,369 |
| Credit loss provision to net charge-offs | -427.2727% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0325% | 3,039 |
| Assets per employee ($millions) | 4.4799% | 3,195 |
| Cash dividends to net income (ytd only)* | 24.8807% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 1,440 |
| Loan loss allowance to noncurrent loans | 600.0000% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,531 |
| Noncurrent loans to loans | 0.2626% | 4,170 |
| Net loans and leases to total assets | 53.9534% | 4,337 |
| Net loans and leases to deposits | 60.5472% | 4,531 |
| Net loans and leases to core deposits | 61.4320% | 4,696 |
| Total domestic deposits to total assets | 89.1096% | 1,099 |
| Equity capital to assets | 10.1168% | 3,606 |
| Core capital (leverage) ratio | 9.5526% | 4,049 |
| Tier 1 risk-based capital ratio | 14.4090% | 3,252 |
| Total risk-based capital ratio | 15.6601% | 3,178 |
| Memoranda: | ||
| Average total assets | $1,844,078,500 | 445 |
| Average earning assets | $1,719,286,500 | 438 |
| Average equity | $186,769,500 | 459 |
| Average total loans | $1,003,339,000 | 544 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 5,384 |
| Cost of funding earning assets | 0.0848% | 5,761 |
| Net interest margin | 3.0326% | 4,894 |
| Noninterest income to average assets | 0.9114% | 1,371 |
| Noninterest expense to average assets | 2.7327% | 3,246 |
| Loan and lease loss provision to assets | 0.0989% | 2,402 |
| Net operating income to assets | 0.5801% | 4,298 |
| Return on assets (ROA) | 0.5801% | 4,403 |
| Pretax return on assets | 0.8934% | 3,870 |
| Return on Equity (ROE) | 5.6399% | 4,145 |
| Retained earnings to average equity (ytd only) | 3.7993% | 3,212 |
| Net charge-offs to loans | 0.0737% | 2,646 |
| Credit loss provision to net charge-offs | 255.4427% | 1,129 |
| Earnings coverage of net charge-offs (x) | 25.6415% | 1,579 |
| Efficiency ratio | 73.2483% | 2,381 |
| Assets per employee ($millions) | 4.4072% | 3,266 |
| Cash dividends to net income (ytd only)* | 32.6363% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6141% | 1,338 |
| Loan loss allowance to noncurrent loans | 538.3316% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 4,527 |
| Noncurrent loans to loans | 0.2998% | 4,072 |
| Net loans and leases to total assets | 53.1221% | 4,514 |
| Net loans and leases to deposits | 59.5445% | 4,704 |
| Net loans and leases to core deposits | 60.4289% | 4,840 |
| Total domestic deposits to total assets | 89.2141% | 1,000 |
| Equity capital to assets | 10.1395% | 3,563 |
| Core capital (leverage) ratio | 9.4411% | 4,170 |
| Tier 1 risk-based capital ratio | 14.4342% | 3,221 |
| Total risk-based capital ratio | 15.6854% | 3,152 |
| Memoranda: | ||
| Average total assets | $1,780,434,600 | 437 |
| Average earning assets | $1,651,885,000 | 431 |
| Average equity | $183,140,800 | 454 |
| Average total loans | $935,149,600 | 544 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0897% | 5,478 |
| Cost of funding earning assets | 0.0872% | 5,821 |
| Net interest margin | 3.0025% | 5,008 |
| Noninterest income to average assets | 0.8970% | 1,417 |
| Noninterest expense to average assets | 2.7741% | 3,101 |
| Loan and lease loss provision to assets | 0.0917% | 2,394 |
| Net operating income to assets | 0.5270% | 4,585 |
| Return on assets (ROA) | 0.5270% | 4,692 |
| Pretax return on assets | 0.8153% | 4,262 |
| Return on Equity (ROE) | 5.1042% | 4,475 |
| Retained earnings to average equity (ytd only) | 3.2558% | 3,957 |
| Net charge-offs to loans | 0.0839% | 2,127 |
| Credit loss provision to net charge-offs | 209.6552% | 1,395 |
| Earnings coverage of net charge-offs (x) | 20.7398% | 1,855 |
| Efficiency ratio | 75.2458% | 2,070 |
| Assets per employee ($millions) | 4.3573% | 3,319 |
| Cash dividends to net income (ytd only)* | 36.2140% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6248% | 1,396 |
| Loan loss allowance to noncurrent loans | 746.5094% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1580% | 4,798 |
| Noncurrent loans to loans | 0.2177% | 4,485 |
| Net loans and leases to total assets | 51.9139% | 4,665 |
| Net loans and leases to deposits | 58.3794% | 4,858 |
| Net loans and leases to core deposits | 59.2120% | 4,983 |
| Total domestic deposits to total assets | 88.9250% | 944 |
| Equity capital to assets | 10.2387% | 3,868 |
| Core capital (leverage) ratio | 9.5684% | 4,096 |
| Tier 1 risk-based capital ratio | 14.5538% | 3,268 |
| Total risk-based capital ratio | 15.8050% | 3,198 |
| Memoranda: | ||
| Average total assets | $1,768,295,750 | 438 |
| Average earning assets | $1,639,642,000 | 434 |
| Average equity | $182,563,250 | 459 |
| Average total loans | $922,052,500 | 550 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0704% | 5,571 |
| Cost of funding earning assets | 0.0901% | 5,890 |
| Net interest margin | 2.9804% | 5,116 |
| Noninterest income to average assets | 0.8831% | 1,430 |
| Noninterest expense to average assets | 2.7784% | 3,096 |
| Loan and lease loss provision to assets | 0.1184% | 1,926 |
| Net operating income to assets | 0.4762% | 4,780 |
| Return on assets (ROA) | 0.4762% | 4,875 |
| Pretax return on assets | 0.7469% | 4,467 |
| Return on Equity (ROE) | 4.5998% | 4,677 |
| Retained earnings to average equity (ytd only) | 2.7440% | 4,157 |
| Net charge-offs to loans | 0.1475% | 1,445 |
| Credit loss provision to net charge-offs | 154.6131% | 1,555 |
| Earnings coverage of net charge-offs (x) | 11.2991% | 2,270 |
| Efficiency ratio | 76.1330% | 2,061 |
| Assets per employee ($millions) | 4.2441% | 3,474 |
| Cash dividends to net income (ytd only)* | 40.3446% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6354% | 1,436 |
| Loan loss allowance to noncurrent loans | 612.1334% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 4,637 |
| Noncurrent loans to loans | 0.2672% | 4,404 |
| Net loans and leases to total assets | 51.5345% | 4,716 |
| Net loans and leases to deposits | 58.0454% | 4,899 |
| Net loans and leases to core deposits | 58.9599% | 5,027 |
| Total domestic deposits to total assets | 88.7831% | 1,021 |
| Equity capital to assets | 10.3007% | 3,856 |
| Core capital (leverage) ratio | 9.5516% | 4,133 |
| Tier 1 risk-based capital ratio | 14.7206% | 3,192 |
| Total risk-based capital ratio | 15.9719% | 3,144 |
| Memoranda: | ||
| Average total assets | $1,754,963,330 | 443 |
| Average earning assets | $1,625,579,000 | 437 |
| Average equity | $181,702,330 | 459 |
| Average total loans | $911,316,670 | 551 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0407% | 5,654 |
| Cost of funding earning assets | 0.0934% | 5,939 |
| Net interest margin | 2.9473% | 5,231 |
| Noninterest income to average assets | 0.8370% | 1,488 |
| Noninterest expense to average assets | 2.7887% | 3,117 |
| Loan and lease loss provision to assets | 0.0583% | 2,788 |
| Net operating income to assets | 0.4555% | 4,808 |
| Return on assets (ROA) | 0.4555% | 4,890 |
| Pretax return on assets | 0.7131% | 4,483 |
| Return on Equity (ROE) | 4.3876% | 4,747 |
| Retained earnings to average equity (ytd only) | 2.5309% | 4,237 |
| Net charge-offs to loans | 0.0315% | 2,321 |
| Credit loss provision to net charge-offs | 357.7465% | 762 |
| Earnings coverage of net charge-offs (x) | 47.3521% | 912 |
| Efficiency ratio | 78.2096% | 1,871 |
| Assets per employee ($millions) | 4.2129% | 3,562 |
| Cash dividends to net income (ytd only)* | 42.3174% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6665% | 1,435 |
| Loan loss allowance to noncurrent loans | 486.8047% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2608% | 4,513 |
| Noncurrent loans to loans | 0.3423% | 4,212 |
| Net loans and leases to total assets | 50.6780% | 4,746 |
| Net loans and leases to deposits | 57.1577% | 4,908 |
| Net loans and leases to core deposits | 58.1673% | 5,038 |
| Total domestic deposits to total assets | 88.6636% | 1,262 |
| Equity capital to assets | 10.3589% | 3,673 |
| Core capital (leverage) ratio | 9.6937% | 3,923 |
| Tier 1 risk-based capital ratio | 15.1378% | 3,094 |
| Total risk-based capital ratio | 16.3895% | 3,027 |
| Memoranda: | ||
| Average total assets | $1,743,313,000 | 445 |
| Average earning assets | $1,610,706,000 | 436 |
| Average equity | $180,966,500 | 460 |
| Average total loans | $901,147,000 | 556 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0705% | 5,671 |
| Cost of funding earning assets | 0.1121% | 5,917 |
| Net interest margin | 2.9584% | 5,225 |
| Noninterest income to average assets | 0.9319% | 1,354 |
| Noninterest expense to average assets | 2.8624% | 2,984 |
| Loan and lease loss provision to assets | -0.0267% | 5,679 |
| Net operating income to assets | 0.5246% | 4,602 |
| Return on assets (ROA) | 0.5246% | 4,682 |
| Pretax return on assets | 0.8188% | 4,128 |
| Return on Equity (ROE) | 4.9834% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.0775% | 3,868 |
| Net charge-offs to loans | -0.0700% | 5,670 |
| Credit loss provision to net charge-offs | 73.6842% | 3,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3249% | 1,917 |
| Assets per employee ($millions) | 4.0801% | 3,796 |
| Cash dividends to net income (ytd only)* | 38.2457% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 1,461 |
| Loan loss allowance to noncurrent loans | 513.7871% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 4,487 |
| Noncurrent loans to loans | 0.3219% | 4,306 |
| Net loans and leases to total assets | 50.9906% | 4,777 |
| Net loans and leases to deposits | 57.4750% | 4,946 |
| Net loans and leases to core deposits | 58.4775% | 5,079 |
| Total domestic deposits to total assets | 88.7178% | 1,275 |
| Equity capital to assets | 10.4026% | 3,484 |
| Core capital (leverage) ratio | 9.6810% | 3,933 |
| Tier 1 risk-based capital ratio | 15.3858% | 2,997 |
| Total risk-based capital ratio | 16.6377% | 2,932 |
| Memoranda: | ||
| Average total assets | $1,677,620,200 | 434 |
| Average earning assets | $1,543,956,000 | 428 |
| Average equity | $176,606,000 | 455 |
| Average total loans | $868,707,600 | 546 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0546% | 5,761 |
| Cost of funding earning assets | 0.1144% | 6,001 |
| Net interest margin | 2.9402% | 5,333 |
| Noninterest income to average assets | 0.9574% | 1,298 |
| Noninterest expense to average assets | 2.8572% | 2,984 |
| Loan and lease loss provision to assets | -0.0021% | 5,783 |
| Net operating income to assets | 0.5234% | 4,708 |
| Return on assets (ROA) | 0.5234% | 4,794 |
| Pretax return on assets | 0.8104% | 4,307 |
| Return on Equity (ROE) | 4.9564% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.0391% | 4,280 |
| Net charge-offs to loans | 0.0155% | 3,645 |
| Credit loss provision to net charge-offs | -26.0000% | 4,905 |
| Earnings coverage of net charge-offs (x) | 100.8500% | 624 |
| Efficiency ratio | 77.9481% | 1,954 |
| Assets per employee ($millions) | 4.0208% | 3,846 |
| Cash dividends to net income (ytd only)* | 38.6830% | 2,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6573% | 1,587 |
| Loan loss allowance to noncurrent loans | 532.8096% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 4,593 |
| Noncurrent loans to loans | 0.3110% | 4,486 |
| Net loans and leases to total assets | 51.6104% | 4,790 |
| Net loans and leases to deposits | 58.3715% | 4,966 |
| Net loans and leases to core deposits | 59.3702% | 5,109 |
| Total domestic deposits to total assets | 88.4171% | 1,325 |
| Equity capital to assets | 10.6010% | 3,473 |
| Core capital (leverage) ratio | 9.8278% | 3,865 |
| Tier 1 risk-based capital ratio | 15.8651% | 2,860 |
| Total risk-based capital ratio | 17.1173% | 2,799 |
| Memoranda: | ||
| Average total assets | $1,663,509,750 | 440 |
| Average earning assets | $1,532,204,250 | 433 |
| Average equity | $175,660,750 | 459 |
| Average total loans | $861,115,250 | 547 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0517% | 5,797 |
| Cost of funding earning assets | 0.1174% | 6,055 |
| Net interest margin | 2.9344% | 5,373 |
| Noninterest income to average assets | 0.9227% | 1,377 |
| Noninterest expense to average assets | 2.8827% | 2,955 |
| Loan and lease loss provision to assets | -0.0535% | 6,035 |
| Net operating income to assets | 0.4863% | 4,827 |
| Return on assets (ROA) | 0.4863% | 4,931 |
| Pretax return on assets | 0.7908% | 4,348 |
| Return on Equity (ROE) | 4.6112% | 4,786 |
| Retained earnings to average equity (ytd only) | 2.6897% | 4,347 |
| Net charge-offs to loans | -0.0302% | 5,334 |
| Credit loss provision to net charge-offs | 344.1860% | 839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6337% | 1,809 |
| Assets per employee ($millions) | 4.0694% | 3,746 |
| Cash dividends to net income (ytd only)* | 41.6708% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6795% | 1,659 |
| Loan loss allowance to noncurrent loans | 438.8415% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3721% | 4,410 |
| Noncurrent loans to loans | 0.3827% | 4,335 |
| Net loans and leases to total assets | 50.1381% | 4,919 |
| Net loans and leases to deposits | 56.6094% | 5,087 |
| Net loans and leases to core deposits | 57.5584% | 5,218 |
| Total domestic deposits to total assets | 88.5686% | 1,378 |
| Equity capital to assets | 10.4776% | 3,466 |
| Core capital (leverage) ratio | 9.7894% | 3,874 |
| Tier 1 risk-based capital ratio | 16.1451% | 2,782 |
| Total risk-based capital ratio | 17.3975% | 2,731 |
| Memoranda: | ||
| Average total assets | $1,659,116,670 | 439 |
| Average earning assets | $1,525,107,330 | 434 |
| Average equity | $174,965,670 | 467 |
| Average total loans | $854,844,000 | 551 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0999% | 5,782 |
| Cost of funding earning assets | 0.1214% | 6,106 |
| Net interest margin | 2.9785% | 5,274 |
| Noninterest income to average assets | 0.9311% | 1,297 |
| Noninterest expense to average assets | 2.8865% | 2,952 |
| Loan and lease loss provision to assets | -0.0755% | 6,188 |
| Net operating income to assets | 0.5237% | 4,569 |
| Return on assets (ROA) | 0.5237% | 4,686 |
| Pretax return on assets | 0.8518% | 4,052 |
| Return on Equity (ROE) | 4.9495% | 4,552 |
| Retained earnings to average equity (ytd only) | 3.0229% | 4,167 |
| Net charge-offs to loans | -0.0258% | 5,168 |
| Credit loss provision to net charge-offs | 565.4545% | 493 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8061% | 2,072 |
| Assets per employee ($millions) | 4.0681% | 3,831 |
| Cash dividends to net income (ytd only)* | 38.9249% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 1,720 |
| Loan loss allowance to noncurrent loans | 335.4921% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 4,160 |
| Noncurrent loans to loans | 0.5085% | 4,056 |
| Net loans and leases to total assets | 50.1668% | 4,831 |
| Net loans and leases to deposits | 56.7159% | 5,005 |
| Net loans and leases to core deposits | 57.7101% | 5,136 |
| Total domestic deposits to total assets | 88.4527% | 1,567 |
| Equity capital to assets | 10.5471% | 3,483 |
| Core capital (leverage) ratio | 9.8879% | 3,768 |
| Tier 1 risk-based capital ratio | 15.7387% | 3,043 |
| Total risk-based capital ratio | 16.9909% | 2,979 |
| Memoranda: | ||
| Average total assets | $1,648,338,500 | 441 |
| Average earning assets | $1,511,772,000 | 433 |
| Average equity | $174,401,000 | 469 |
| Average total loans | $853,740,000 | 547 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 5,931 |
| Cost of funding earning assets | 0.1414% | 6,150 |
| Net interest margin | 2.9768% | 5,492 |
| Noninterest income to average assets | 0.8910% | 1,534 |
| Noninterest expense to average assets | 2.8635% | 3,256 |
| Loan and lease loss provision to assets | 0.0850% | 2,775 |
| Net operating income to assets | 0.4424% | 5,051 |
| Return on assets (ROA) | 0.4424% | 5,142 |
| Pretax return on assets | 0.6689% | 4,731 |
| Return on Equity (ROE) | 4.1558% | 5,048 |
| Retained earnings to average equity (ytd only) | 2.2266% | 4,660 |
| Net charge-offs to loans | 0.0711% | 3,460 |
| Credit loss provision to net charge-offs | 228.2430% | 1,103 |
| Earnings coverage of net charge-offs (x) | 20.2512% | 1,733 |
| Efficiency ratio | 79.1595% | 2,043 |
| Assets per employee ($millions) | 3.9447% | 4,071 |
| Cash dividends to net income (ytd only)* | 46.4217% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7096% | 1,753 |
| Loan loss allowance to noncurrent loans | 425.7308% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 4,007 |
| Noncurrent loans to loans | 0.4016% | 4,438 |
| Net loans and leases to total assets | 51.6572% | 4,815 |
| Net loans and leases to deposits | 58.4058% | 5,035 |
| Net loans and leases to core deposits | 59.5470% | 5,172 |
| Total domestic deposits to total assets | 88.4454% | 1,548 |
| Equity capital to assets | 10.6230% | 3,330 |
| Core capital (leverage) ratio | 9.6392% | 4,045 |
| Tier 1 risk-based capital ratio | 15.9199% | 3,004 |
| Total risk-based capital ratio | 17.1727% | 2,946 |
| Memoranda: | ||
| Average total assets | $1,635,936,000 | 431 |
| Average earning assets | $1,498,300,200 | 425 |
| Average equity | $174,165,800 | 453 |
| Average total loans | $856,570,200 | 518 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1219% | 6,001 |
| Cost of funding earning assets | 0.1442% | 6,222 |
| Net interest margin | 2.9777% | 5,549 |
| Noninterest income to average assets | 0.8765% | 1,598 |
| Noninterest expense to average assets | 2.9081% | 3,087 |
| Loan and lease loss provision to assets | 0.0636% | 3,081 |
| Net operating income to assets | 0.3988% | 5,251 |
| Return on assets (ROA) | 0.3988% | 5,330 |
| Pretax return on assets | 0.6299% | 4,932 |
| Return on Equity (ROE) | 3.7436% | 5,267 |
| Retained earnings to average equity (ytd only) | 1.8152% | 5,142 |
| Net charge-offs to loans | 0.0374% | 3,746 |
| Credit loss provision to net charge-offs | 325.0000% | 858 |
| Earnings coverage of net charge-offs (x) | 35.4460% | 1,219 |
| Efficiency ratio | 80.7460% | 1,804 |
| Assets per employee ($millions) | 3.9735% | 3,945 |
| Cash dividends to net income (ytd only)* | 51.5128% | 1,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6993% | 1,974 |
| Loan loss allowance to noncurrent loans | 401.5265% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 3,962 |
| Noncurrent loans to loans | 0.4232% | 4,638 |
| Net loans and leases to total assets | 50.6291% | 4,932 |
| Net loans and leases to deposits | 57.2361% | 5,158 |
| Net loans and leases to core deposits | 58.4993% | 5,301 |
| Total domestic deposits to total assets | 88.4564% | 1,528 |
| Equity capital to assets | 10.6306% | 3,397 |
| Core capital (leverage) ratio | 9.6348% | 4,178 |
| Tier 1 risk-based capital ratio | 16.1111% | 3,010 |
| Total risk-based capital ratio | 17.3640% | 2,954 |
| Memoranda: | ||
| Average total assets | $1,635,657,000 | 432 |
| Average earning assets | $1,496,873,500 | 426 |
| Average equity | $174,231,250 | 447 |
| Average total loans | $855,621,500 | 514 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1018% | 6,061 |
| Cost of funding earning assets | 0.1472% | 6,275 |
| Net interest margin | 2.9545% | 5,624 |
| Noninterest income to average assets | 0.8075% | 1,809 |
| Noninterest expense to average assets | 2.8865% | 3,214 |
| Loan and lease loss provision to assets | 0.0957% | 2,427 |
| Net operating income to assets | 0.3226% | 5,486 |
| Return on assets (ROA) | 0.3226% | 5,563 |
| Pretax return on assets | 0.5246% | 5,208 |
| Return on Equity (ROE) | 3.0264% | 5,521 |
| Retained earnings to average equity (ytd only) | 1.0925% | 5,321 |
| Net charge-offs to loans | 0.0996% | 2,686 |
| Credit loss provision to net charge-offs | 182.6698% | 1,258 |
| Earnings coverage of net charge-offs (x) | 11.8384% | 2,111 |
| Efficiency ratio | 82.3116% | 1,713 |
| Assets per employee ($millions) | 4.0188% | 3,799 |
| Cash dividends to net income (ytd only)* | 63.9026% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 2,237 |
| Loan loss allowance to noncurrent loans | 251.2757% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7880% | 3,598 |
| Noncurrent loans to loans | 0.6641% | 4,048 |
| Net loans and leases to total assets | 50.4537% | 4,913 |
| Net loans and leases to deposits | 56.9408% | 5,127 |
| Net loans and leases to core deposits | 58.1206% | 5,264 |
| Total domestic deposits to total assets | 88.6073% | 1,579 |
| Equity capital to assets | 10.4506% | 3,500 |
| Core capital (leverage) ratio | 9.6030% | 4,174 |
| Tier 1 risk-based capital ratio | 15.8520% | 3,172 |
| Total risk-based capital ratio | 17.1046% | 3,106 |
| Memoranda: | ||
| Average total assets | $1,629,890,670 | 432 |
| Average earning assets | $1,489,027,000 | 429 |
| Average equity | $173,735,330 | 443 |
| Average total loans | $857,047,670 | 510 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1112% | 6,104 |
| Cost of funding earning assets | 0.1523% | 6,343 |
| Net interest margin | 2.9589% | 5,632 |
| Noninterest income to average assets | 0.7918% | 1,788 |
| Noninterest expense to average assets | 2.9064% | 3,178 |
| Loan and lease loss provision to assets | 0.1607% | 1,512 |
| Net operating income to assets | 0.2622% | 5,621 |
| Return on assets (ROA) | 0.2622% | 5,663 |
| Pretax return on assets | 0.4263% | 5,367 |
| Return on Equity (ROE) | 2.4352% | 5,655 |
| Retained earnings to average equity (ytd only) | 0.4981% | 5,383 |
| Net charge-offs to loans | 0.0499% | 2,680 |
| Credit loss provision to net charge-offs | 604.6729% | 462 |
| Earnings coverage of net charge-offs (x) | 22.0935% | 1,267 |
| Efficiency ratio | 83.1971% | 1,767 |
| Assets per employee ($millions) | 3.8261% | 4,277 |
| Cash dividends to net income (ytd only)* | 79.5455% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 2,374 |
| Loan loss allowance to noncurrent loans | 207.8293% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8761% | 3,543 |
| Noncurrent loans to loans | 0.8147% | 3,840 |
| Net loans and leases to total assets | 51.4154% | 4,737 |
| Net loans and leases to deposits | 58.1517% | 4,921 |
| Net loans and leases to core deposits | 59.4081% | 5,095 |
| Total domestic deposits to total assets | 88.4160% | 1,985 |
| Equity capital to assets | 10.6235% | 3,111 |
| Core capital (leverage) ratio | 9.9429% | 3,644 |
| Tier 1 risk-based capital ratio | 15.9547% | 3,189 |
| Total risk-based capital ratio | 17.2076% | 3,139 |
| Memoranda: | ||
| Average total assets | $1,610,933,500 | 440 |
| Average earning assets | $1,470,812,500 | 433 |
| Average equity | $173,455,000 | 446 |
| Average total loans | $857,696,500 | 509 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9461% | 6,391 |
| Cost of funding earning assets | 0.1840% | 6,371 |
| Net interest margin | 2.7621% | 6,040 |
| Noninterest income to average assets | 0.7994% | 2,083 |
| Noninterest expense to average assets | 2.7169% | 4,037 |
| Loan and lease loss provision to assets | 0.1637% | 2,230 |
| Net operating income to assets | 0.3034% | 5,510 |
| Return on assets (ROA) | 0.3034% | 5,608 |
| Pretax return on assets | 0.4633% | 5,312 |
| Return on Equity (ROE) | 3.0713% | 5,476 |
| Retained earnings to average equity (ytd only) | 1.0760% | 5,352 |
| Net charge-offs to loans | 0.3488% | 1,939 |
| Credit loss provision to net charge-offs | 97.2474% | 2,559 |
| Earnings coverage of net charge-offs (x) | 3.7244% | 3,767 |
| Efficiency ratio | 81.0915% | 2,014 |
| Assets per employee ($millions) | 3.7455% | 4,375 |
| Cash dividends to net income (ytd only)* | 64.9652% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 2,692 |
| Loan loss allowance to noncurrent loans | 176.8733% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 3,550 |
| Noncurrent loans to loans | 0.9146% | 3,698 |
| Net loans and leases to total assets | 53.3336% | 4,674 |
| Net loans and leases to deposits | 60.5359% | 4,891 |
| Net loans and leases to core deposits | 61.8937% | 5,071 |
| Total domestic deposits to total assets | 88.1024% | 2,118 |
| Equity capital to assets | 10.9153% | 2,693 |
| Core capital (leverage) ratio | 9.8145% | 3,824 |
| Tier 1 risk-based capital ratio | 15.8275% | 3,188 |
| Total risk-based capital ratio | 17.0796% | 3,137 |
| Memoranda: | ||
| Average total assets | $1,704,752,000 | 404 |
| Average earning assets | $1,570,526,000 | 401 |
| Average equity | $168,399,600 | 442 |
| Average total loans | $822,743,200 | 508 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8791% | 6,503 |
| Cost of funding earning assets | 0.1882% | 6,459 |
| Net interest margin | 2.6909% | 6,191 |
| Noninterest income to average assets | 0.8003% | 2,144 |
| Noninterest expense to average assets | 2.7090% | 3,987 |
| Loan and lease loss provision to assets | 0.1505% | 2,387 |
| Net operating income to assets | 0.2623% | 5,747 |
| Return on assets (ROA) | 0.2623% | 5,845 |
| Pretax return on assets | 0.4265% | 5,562 |
| Return on Equity (ROE) | 2.7206% | 5,707 |
| Retained earnings to average equity (ytd only) | 0.7107% | 5,690 |
| Net charge-offs to loans | 0.3689% | 1,723 |
| Credit loss provision to net charge-offs | 86.9778% | 2,692 |
| Earnings coverage of net charge-offs (x) | 3.3351% | 3,734 |
| Efficiency ratio | 82.2296% | 1,800 |
| Assets per employee ($millions) | 3.7570% | 4,334 |
| Cash dividends to net income (ytd only)* | 73.8787% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 2,967 |
| Loan loss allowance to noncurrent loans | 164.0704% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 1.0124% | 3,629 |
| Noncurrent loans to loans | 0.9804% | 3,850 |
| Net loans and leases to total assets | 52.4062% | 4,823 |
| Net loans and leases to deposits | 59.4179% | 5,043 |
| Net loans and leases to core deposits | 60.7255% | 5,244 |
| Total domestic deposits to total assets | 88.1994% | 2,000 |
| Equity capital to assets | 10.4785% | 3,304 |
| Core capital (leverage) ratio | 9.9204% | 3,787 |
| Tier 1 risk-based capital ratio | 15.9614% | 3,214 |
| Total risk-based capital ratio | 17.2136% | 3,169 |
| Memoranda: | ||
| Average total assets | $1,733,913,000 | 401 |
| Average earning assets | $1,601,703,000 | 395 |
| Average equity | $167,162,750 | 451 |
| Average total loans | $813,198,500 | 512 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7724% | 6,621 |
| Cost of funding earning assets | 0.1915% | 6,517 |
| Net interest margin | 2.5809% | 6,351 |
| Noninterest income to average assets | 0.7272% | 2,517 |
| Noninterest expense to average assets | 2.6274% | 4,290 |
| Loan and lease loss provision to assets | 0.1098% | 2,965 |
| Net operating income to assets | 0.2356% | 5,807 |
| Return on assets (ROA) | 0.2356% | 5,931 |
| Pretax return on assets | 0.3832% | 5,675 |
| Return on Equity (ROE) | 2.5093% | 5,792 |
| Retained earnings to average equity (ytd only) | 0.4971% | 5,701 |
| Net charge-offs to loans | 0.4799% | 1,377 |
| Credit loss provision to net charge-offs | 50.8333% | 3,195 |
| Earnings coverage of net charge-offs (x) | 2.2828% | 3,764 |
| Efficiency ratio | 83.8788% | 1,643 |
| Assets per employee ($millions) | 3.7227% | 4,366 |
| Cash dividends to net income (ytd only)* | 80.1909% | 899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,252 |
| Loan loss allowance to noncurrent loans | 197.3708% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 3,938 |
| Noncurrent loans to loans | 0.7972% | 4,318 |
| Net loans and leases to total assets | 51.5249% | 4,924 |
| Net loans and leases to deposits | 58.3858% | 5,126 |
| Net loans and leases to core deposits | 59.6337% | 5,292 |
| Total domestic deposits to total assets | 88.2490% | 2,076 |
| Equity capital to assets | 10.5452% | 3,240 |
| Core capital (leverage) ratio | 8.9373% | 5,093 |
| Tier 1 risk-based capital ratio | 16.3641% | 2,999 |
| Total risk-based capital ratio | 17.6160% | 2,963 |
| Memoranda: | ||
| Average total assets | $1,778,384,330 | 387 |
| Average earning assets | $1,649,023,000 | 380 |
| Average equity | $166,981,000 | 455 |
| Average total loans | $800,106,670 | 517 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5872% | 6,787 |
| Cost of funding earning assets | 0.1955% | 6,593 |
| Net interest margin | 2.3917% | 6,608 |
| Noninterest income to average assets | 0.6384% | 2,942 |
| Noninterest expense to average assets | 2.4593% | 4,915 |
| Loan and lease loss provision to assets | 0.1016% | 2,981 |
| Net operating income to assets | 0.1920% | 5,918 |
| Return on assets (ROA) | 0.1920% | 6,028 |
| Pretax return on assets | 0.3124% | 5,827 |
| Return on Equity (ROE) | 2.1576% | 5,886 |
| Retained earnings to average equity (ytd only) | 0.1846% | 5,722 |
| Net charge-offs to loans | 0.9767% | 626 |
| Credit loss provision to net charge-offs | 24.8305% | 2,968 |
| Earnings coverage of net charge-offs (x) | 1.0120% | 3,502 |
| Efficiency ratio | 85.2592% | 1,613 |
| Assets per employee ($millions) | 4.4531% | 3,059 |
| Cash dividends to net income (ytd only)* | 91.4444% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 3,377 |
| Loan loss allowance to noncurrent loans | 165.8965% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 4,427 |
| Noncurrent loans to loans | 0.9681% | 4,196 |
| Net loans and leases to total assets | 40.4856% | 5,958 |
| Net loans and leases to deposits | 44.7867% | 6,136 |
| Net loans and leases to core deposits | 45.6636% | 6,228 |
| Total domestic deposits to total assets | 90.3965% | 819 |
| Equity capital to assets | 8.7771% | 5,727 |
| Core capital (leverage) ratio | 8.3410% | 5,774 |
| Tier 1 risk-based capital ratio | 17.4667% | 2,571 |
| Total risk-based capital ratio | 18.7191% | 2,533 |
| Memoranda: | ||
| Average total assets | $1,874,648,000 | 377 |
| Average earning assets | $1,751,718,000 | 365 |
| Average equity | $166,855,500 | 459 |
| Average total loans | $785,073,500 | 527 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 6,456 |
| Cost of funding earning assets | 0.3826% | 6,033 |
| Net interest margin | 3.0400% | 5,953 |
| Noninterest income to average assets | 0.9065% | 1,840 |
| Noninterest expense to average assets | 3.0619% | 3,039 |
| Loan and lease loss provision to assets | 0.0065% | 5,842 |
| Net operating income to assets | 0.3941% | 5,120 |
| Return on assets (ROA) | 0.3941% | 5,362 |
| Pretax return on assets | 0.6154% | 4,949 |
| Return on Equity (ROE) | 3.6399% | 5,295 |
| Retained earnings to average equity (ytd only) | 1.6083% | 5,065 |
| Net charge-offs to loans | 0.2226% | 3,616 |
| Credit loss provision to net charge-offs | 5.6465% | 5,441 |
| Earnings coverage of net charge-offs (x) | 5.4026% | 3,050 |
| Efficiency ratio | 82.7822% | 1,775 |
| Assets per employee ($millions) | 4.3581% | 3,239 |
| Cash dividends to net income (ytd only)* | 55.8140% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 2,663 |
| Loan loss allowance to noncurrent loans | 234.6064% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 4,622 |
| Noncurrent loans to loans | 0.7578% | 4,667 |
| Net loans and leases to total assets | 41.8738% | 6,022 |
| Net loans and leases to deposits | 46.5296% | 6,216 |
| Net loans and leases to core deposits | 47.4944% | 6,300 |
| Total domestic deposits to total assets | 89.9939% | 955 |
| Equity capital to assets | 9.0278% | 5,495 |
| Core capital (leverage) ratio | 10.0315% | 3,357 |
| Tier 1 risk-based capital ratio | 17.6067% | 2,413 |
| Total risk-based capital ratio | 18.8612% | 2,378 |
| Memoranda: | ||
| Average total assets | $1,538,461,800 | 439 |
| Average earning assets | $1,405,507,600 | 435 |
| Average equity | $166,569,400 | 450 |
| Average total loans | $795,481,400 | 510 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 6,315 |
| Cost of funding earning assets | 0.4441% | 5,838 |
| Net interest margin | 3.2038% | 5,690 |
| Noninterest income to average assets | 0.9622% | 1,631 |
| Noninterest expense to average assets | 3.1818% | 2,625 |
| Loan and lease loss provision to assets | -0.0080% | 6,953 |
| Net operating income to assets | 0.4267% | 5,131 |
| Return on assets (ROA) | 0.4267% | 5,371 |
| Pretax return on assets | 0.6939% | 4,885 |
| Return on Equity (ROE) | 3.7443% | 5,385 |
| Retained earnings to average equity (ytd only) | 1.7080% | 5,478 |
| Net charge-offs to loans | 0.2182% | 3,418 |
| Credit loss provision to net charge-offs | -6.7433% | 6,092 |
| Earnings coverage of net charge-offs (x) | 5.7594% | 2,932 |
| Efficiency ratio | 81.9248% | 1,817 |
| Assets per employee ($millions) | 3.5896% | 4,771 |
| Cash dividends to net income (ytd only)* | 54.3841% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8034% | 2,786 |
| Loan loss allowance to noncurrent loans | 216.9502% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8482% | 4,594 |
| Noncurrent loans to loans | 0.8312% | 4,754 |
| Net loans and leases to total assets | 51.9618% | 5,052 |
| Net loans and leases to deposits | 59.8750% | 5,227 |
| Net loans and leases to core deposits | 61.3758% | 5,417 |
| Total domestic deposits to total assets | 86.7838% | 2,806 |
| Equity capital to assets | 11.1901% | 3,047 |
| Core capital (leverage) ratio | 10.5742% | 2,828 |
| Tier 1 risk-based capital ratio | 17.6127% | 2,492 |
| Total risk-based capital ratio | 18.8677% | 2,459 |
| Memoranda: | ||
| Average total assets | $1,461,123,500 | 459 |
| Average earning assets | $1,324,999,250 | 455 |
| Average equity | $166,507,500 | 445 |
| Average total loans | $797,412,750 | 509 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 6,309 |
| Cost of funding earning assets | 0.4789% | 5,767 |
| Net interest margin | 3.2351% | 5,633 |
| Noninterest income to average assets | 0.9655% | 1,558 |
| Noninterest expense to average assets | 3.1958% | 2,605 |
| Loan and lease loss provision to assets | -0.0190% | 7,041 |
| Net operating income to assets | 0.4437% | 5,062 |
| Return on assets (ROA) | 0.4437% | 5,290 |
| Pretax return on assets | 0.7215% | 4,766 |
| Return on Equity (ROE) | 3.8694% | 5,331 |
| Retained earnings to average equity (ytd only) | 1.8402% | 5,278 |
| Net charge-offs to loans | 0.2420% | 3,126 |
| Credit loss provision to net charge-offs | -14.2709% | 5,934 |
| Earnings coverage of net charge-offs (x) | 5.2637% | 2,871 |
| Efficiency ratio | 81.6264% | 1,940 |
| Assets per employee ($millions) | 3.4717% | 5,045 |
| Cash dividends to net income (ytd only)* | 52.4417% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 2,675 |
| Loan loss allowance to noncurrent loans | 334.6808% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.8287% | 4,731 |
| Noncurrent loans to loans | 0.5553% | 5,406 |
| Net loans and leases to total assets | 52.5203% | 5,026 |
| Net loans and leases to deposits | 60.4699% | 5,199 |
| Net loans and leases to core deposits | 62.3756% | 5,356 |
| Total domestic deposits to total assets | 86.8536% | 2,858 |
| Equity capital to assets | 11.3918% | 2,699 |
| Core capital (leverage) ratio | 10.6333% | 2,683 |
| Tier 1 risk-based capital ratio | 17.6453% | 2,415 |
| Total risk-based capital ratio | 18.9009% | 2,385 |
| Memoranda: | ||
| Average total assets | $1,449,215,670 | 463 |
| Average earning assets | $1,313,760,000 | 463 |
| Average equity | $166,177,000 | 445 |
| Average total loans | $799,193,000 | 508 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 6,244 |
| Cost of funding earning assets | 0.4974% | 5,836 |
| Net interest margin | 3.3016% | 5,473 |
| Noninterest income to average assets | 0.9647% | 1,523 |
| Noninterest expense to average assets | 3.2607% | 2,413 |
| Loan and lease loss provision to assets | -0.0919% | 7,175 |
| Net operating income to assets | 0.4843% | 4,892 |
| Return on assets (ROA) | 0.4843% | 5,092 |
| Pretax return on assets | 0.7876% | 4,462 |
| Return on Equity (ROE) | 4.2094% | 5,195 |
| Retained earnings to average equity (ytd only) | 2.1807% | 5,174 |
| Net charge-offs to loans | 0.2380% | 2,745 |
| Credit loss provision to net charge-offs | -68.9583% | 5,456 |
| Earnings coverage of net charge-offs (x) | 5.2229% | 2,415 |
| Efficiency ratio | 82.0637% | 1,926 |
| Assets per employee ($millions) | 3.5701% | 4,955 |
| Cash dividends to net income (ytd only)* | 48.1948% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 2,759 |
| Loan loss allowance to noncurrent loans | 355.1362% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.8648% | 4,794 |
| Noncurrent loans to loans | 0.5275% | 5,610 |
| Net loans and leases to total assets | 53.3250% | 4,832 |
| Net loans and leases to deposits | 61.3906% | 4,999 |
| Net loans and leases to core deposits | 63.4401% | 5,178 |
| Total domestic deposits to total assets | 86.8619% | 3,037 |
| Equity capital to assets | 11.3872% | 2,536 |
| Core capital (leverage) ratio | 10.7825% | 2,460 |
| Tier 1 risk-based capital ratio | 17.4425% | 2,497 |
| Total risk-based capital ratio | 18.6983% | 2,464 |
| Memoranda: | ||
| Average total assets | $1,441,305,000 | 463 |
| Average earning assets | $1,306,015,500 | 461 |
| Average equity | $165,818,500 | 447 |
| Average total loans | $806,782,500 | 502 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0838% | 6,303 |
| Cost of funding earning assets | 0.6111% | 6,042 |
| Net interest margin | 3.4727% | 5,245 |
| Noninterest income to average assets | 0.9415% | 1,532 |
| Noninterest expense to average assets | 3.2171% | 2,802 |
| Loan and lease loss provision to assets | 0.2836% | 3,395 |
| Net operating income to assets | 0.3779% | 4,957 |
| Return on assets (ROA) | 0.3779% | 5,133 |
| Pretax return on assets | 0.5857% | 4,735 |
| Return on Equity (ROE) | 3.1911% | 5,207 |
| Retained earnings to average equity (ytd only) | 1.1496% | 5,314 |
| Net charge-offs to loans | 0.3524% | 3,638 |
| Credit loss provision to net charge-offs | 136.4012% | 2,190 |
| Earnings coverage of net charge-offs (x) | 4.1810% | 3,233 |
| Efficiency ratio | 78.2719% | 2,557 |
| Assets per employee ($millions) | 3.4609% | 5,113 |
| Cash dividends to net income (ytd only)* | 63.9742% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 2,533 |
| Loan loss allowance to noncurrent loans | 212.3104% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 1.0218% | 4,574 |
| Noncurrent loans to loans | 0.9004% | 4,884 |
| Net loans and leases to total assets | 56.5497% | 4,614 |
| Net loans and leases to deposits | 65.1817% | 4,854 |
| Net loans and leases to core deposits | 67.6302% | 5,078 |
| Total domestic deposits to total assets | 86.7570% | 2,893 |
| Equity capital to assets | 11.6254% | 2,406 |
| Core capital (leverage) ratio | 10.7372% | 2,491 |
| Tier 1 risk-based capital ratio | 16.9023% | 2,646 |
| Total risk-based capital ratio | 18.1588% | 2,603 |
| Memoranda: | ||
| Average total assets | $1,395,468,400 | 476 |
| Average earning assets | $1,263,696,600 | 472 |
| Average equity | $165,274,200 | 427 |
| Average total loans | $823,255,400 | 506 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1103% | 6,391 |
| Cost of funding earning assets | 0.6342% | 6,113 |
| Net interest margin | 3.4761% | 5,290 |
| Noninterest income to average assets | 0.9306% | 1,545 |
| Noninterest expense to average assets | 3.2184% | 2,773 |
| Loan and lease loss provision to assets | 0.3379% | 2,854 |
| Net operating income to assets | 0.3286% | 5,298 |
| Return on assets (ROA) | 0.3286% | 5,466 |
| Pretax return on assets | 0.5224% | 5,072 |
| Return on Equity (ROE) | 2.7618% | 5,518 |
| Retained earnings to average equity (ytd only) | 0.7181% | 5,730 |
| Net charge-offs to loans | 0.3124% | 3,538 |
| Credit loss provision to net charge-offs | 182.2372% | 1,628 |
| Earnings coverage of net charge-offs (x) | 4.6396% | 3,001 |
| Efficiency ratio | 78.4139% | 2,488 |
| Assets per employee ($millions) | 3.4519% | 5,117 |
| Cash dividends to net income (ytd only)* | 73.9994% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 2,472 |
| Loan loss allowance to noncurrent loans | 149.7690% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 1.1752% | 4,434 |
| Noncurrent loans to loans | 1.3019% | 4,365 |
| Net loans and leases to total assets | 57.4505% | 4,596 |
| Net loans and leases to deposits | 66.4024% | 4,844 |
| Net loans and leases to core deposits | 68.8602% | 5,079 |
| Total domestic deposits to total assets | 86.5187% | 2,921 |
| Equity capital to assets | 11.6814% | 2,516 |
| Core capital (leverage) ratio | 10.8532% | 2,518 |
| Tier 1 risk-based capital ratio | 16.5801% | 2,824 |
| Total risk-based capital ratio | 17.8369% | 2,784 |
| Memoranda: | ||
| Average total assets | $1,388,723,250 | 482 |
| Average earning assets | $1,257,610,750 | 478 |
| Average equity | $165,251,250 | 439 |
| Average total loans | $824,052,250 | 511 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 6,443 |
| Cost of funding earning assets | 0.6476% | 6,240 |
| Net interest margin | 3.4737% | 5,276 |
| Noninterest income to average assets | 0.9161% | 1,598 |
| Noninterest expense to average assets | 3.2887% | 2,603 |
| Loan and lease loss provision to assets | 0.2694% | 3,238 |
| Net operating income to assets | 0.3109% | 5,327 |
| Return on assets (ROA) | 0.3110% | 5,463 |
| Pretax return on assets | 0.5057% | 5,057 |
| Return on Equity (ROE) | 2.5973% | 5,568 |
| Retained earnings to average equity (ytd only) | 0.5536% | 5,632 |
| Net charge-offs to loans | 0.2402% | 3,686 |
| Credit loss provision to net charge-offs | 188.1459% | 1,606 |
| Earnings coverage of net charge-offs (x) | 5.4124% | 2,615 |
| Efficiency ratio | 80.3555% | 2,329 |
| Assets per employee ($millions) | 3.2994% | 5,428 |
| Cash dividends to net income (ytd only)* | 78.6847% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 2,819 |
| Loan loss allowance to noncurrent loans | 141.1443% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 1.0525% | 4,783 |
| Noncurrent loans to loans | 1.3134% | 4,449 |
| Net loans and leases to total assets | 58.4908% | 4,546 |
| Net loans and leases to deposits | 67.7535% | 4,748 |
| Net loans and leases to core deposits | 70.6137% | 5,003 |
| Total domestic deposits to total assets | 86.3289% | 3,141 |
| Equity capital to assets | 11.7878% | 2,256 |
| Core capital (leverage) ratio | 10.8496% | 2,374 |
| Tier 1 risk-based capital ratio | 16.4207% | 2,782 |
| Total risk-based capital ratio | 17.6764% | 2,740 |
| Memoranda: | ||
| Average total assets | $1,378,721,670 | 491 |
| Average earning assets | $1,249,274,330 | 489 |
| Average equity | $165,092,670 | 440 |
| Average total loans | $821,645,000 | 519 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 6,415 |
| Cost of funding earning assets | 0.6627% | 6,333 |
| Net interest margin | 3.4782% | 5,109 |
| Noninterest income to average assets | 0.9057% | 1,644 |
| Noninterest expense to average assets | 3.3245% | 2,481 |
| Loan and lease loss provision to assets | 0.1864% | 3,750 |
| Net operating income to assets | 0.3359% | 5,245 |
| Return on assets (ROA) | 0.3359% | 5,322 |
| Pretax return on assets | 0.5463% | 4,876 |
| Return on Equity (ROE) | 2.7832% | 5,477 |
| Retained earnings to average equity (ytd only) | 0.7516% | 5,527 |
| Net charge-offs to loans | 0.0491% | 4,446 |
| Credit loss provision to net charge-offs | 637.0000% | 589 |
| Earnings coverage of net charge-offs (x) | 25.0400% | 972 |
| Efficiency ratio | 81.1756% | 2,342 |
| Assets per employee ($millions) | 3.2270% | 5,649 |
| Cash dividends to net income (ytd only)* | 72.9965% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 2,791 |
| Loan loss allowance to noncurrent loans | 158.8722% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 4,956 |
| Noncurrent loans to loans | 1.1768% | 4,727 |
| Net loans and leases to total assets | 57.7372% | 4,682 |
| Net loans and leases to deposits | 66.9501% | 4,833 |
| Net loans and leases to core deposits | 69.7468% | 5,076 |
| Total domestic deposits to total assets | 86.2391% | 3,372 |
| Equity capital to assets | 11.9852% | 1,925 |
| Core capital (leverage) ratio | 11.0891% | 2,122 |
| Tier 1 risk-based capital ratio | 16.8070% | 2,543 |
| Total risk-based capital ratio | 18.0628% | 2,510 |
| Memoranda: | ||
| Average total assets | $1,366,961,500 | 500 |
| Average earning assets | $1,238,579,500 | 501 |
| Average equity | $164,992,000 | 432 |
| Average total loans | $814,630,000 | 533 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 6,494 |
| Cost of funding earning assets | 0.8169% | 6,493 |
| Net interest margin | 3.6431% | 4,607 |
| Noninterest income to average assets | 0.9852% | 1,558 |
| Noninterest expense to average assets | 3.2152% | 3,032 |
| Loan and lease loss provision to assets | 0.2334% | 4,946 |
| Net operating income to assets | 0.5275% | 3,976 |
| Return on assets (ROA) | 0.5275% | 4,130 |
| Pretax return on assets | 0.8257% | 3,550 |
| Return on Equity (ROE) | 4.4325% | 4,327 |
| Retained earnings to average equity (ytd only) | 2.3543% | 4,232 |
| Net charge-offs to loans | 0.4161% | 3,957 |
| Credit loss provision to net charge-offs | 90.2377% | 5,122 |
| Earnings coverage of net charge-offs (x) | 4.0954% | 3,068 |
| Efficiency ratio | 74.4671% | 3,304 |
| Assets per employee ($millions) | 3.2440% | 5,554 |
| Cash dividends to net income (ytd only)* | 46.8858% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7863% | 2,911 |
| Loan loss allowance to noncurrent loans | 189.0239% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.9364% | 5,137 |
| Noncurrent loans to loans | 0.9450% | 5,157 |
| Net loans and leases to total assets | 59.2852% | 4,791 |
| Net loans and leases to deposits | 68.8694% | 4,974 |
| Net loans and leases to core deposits | 71.3886% | 5,285 |
| Total domestic deposits to total assets | 86.0836% | 3,314 |
| Equity capital to assets | 12.1562% | 1,824 |
| Core capital (leverage) ratio | 10.9394% | 2,206 |
| Tier 1 risk-based capital ratio | 16.7158% | 2,452 |
| Total risk-based capital ratio | 17.9708% | 2,420 |
| Memoranda: | ||
| Average total assets | $1,366,563,800 | 496 |
| Average earning assets | $1,233,770,000 | 494 |
| Average equity | $162,638,600 | 423 |
| Average total loans | $849,343,600 | 526 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 6,588 |
| Cost of funding earning assets | 0.8422% | 6,613 |
| Net interest margin | 3.6668% | 4,561 |
| Noninterest income to average assets | 0.9606% | 1,583 |
| Noninterest expense to average assets | 3.2381% | 2,785 |
| Loan and lease loss provision to assets | 0.1108% | 5,923 |
| Net operating income to assets | 0.5657% | 4,029 |
| Return on assets (ROA) | 0.5657% | 4,191 |
| Pretax return on assets | 0.9198% | 3,496 |
| Return on Equity (ROE) | 4.7783% | 4,413 |
| Retained earnings to average equity (ytd only) | 2.6915% | 4,541 |
| Net charge-offs to loans | 0.3765% | 3,796 |
| Credit loss provision to net charge-offs | 47.0248% | 5,925 |
| Earnings coverage of net charge-offs (x) | 4.3735% | 3,079 |
| Efficiency ratio | 75.0918% | 3,130 |
| Assets per employee ($millions) | 3.2177% | 5,633 |
| Cash dividends to net income (ytd only)* | 43.6736% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6508% | 3,329 |
| Loan loss allowance to noncurrent loans | 217.7247% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8347% | 5,425 |
| Noncurrent loans to loans | 0.7582% | 5,686 |
| Net loans and leases to total assets | 59.3359% | 5,034 |
| Net loans and leases to deposits | 68.8997% | 5,296 |
| Net loans and leases to core deposits | 71.5194% | 5,570 |
| Total domestic deposits to total assets | 86.1193% | 3,018 |
| Equity capital to assets | 11.9226% | 2,205 |
| Core capital (leverage) ratio | 11.0120% | 2,253 |
| Tier 1 risk-based capital ratio | 16.3494% | 2,614 |
| Total risk-based capital ratio | 17.6028% | 2,568 |
| Memoranda: | ||
| Average total assets | $1,369,206,500 | 486 |
| Average earning assets | $1,235,286,000 | 486 |
| Average equity | $162,089,000 | 417 |
| Average total loans | $857,048,500 | 519 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5256% | 6,652 |
| Cost of funding earning assets | 0.8680% | 6,701 |
| Net interest margin | 3.6576% | 4,548 |
| Noninterest income to average assets | 0.9241% | 1,605 |
| Noninterest expense to average assets | 3.2262% | 2,812 |
| Loan and lease loss provision to assets | 0.0885% | 6,040 |
| Net operating income to assets | 0.5573% | 4,045 |
| Return on assets (ROA) | 0.5573% | 4,193 |
| Pretax return on assets | 0.9062% | 3,468 |
| Return on Equity (ROE) | 4.7191% | 4,427 |
| Retained earnings to average equity (ytd only) | 2.6301% | 4,468 |
| Net charge-offs to loans | 0.1415% | 4,812 |
| Credit loss provision to net charge-offs | 98.6949% | 4,159 |
| Earnings coverage of net charge-offs (x) | 11.0962% | 1,803 |
| Efficiency ratio | 75.6401% | 3,133 |
| Assets per employee ($millions) | 3.3065% | 5,417 |
| Cash dividends to net income (ytd only)* | 44.2666% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7610% | 2,850 |
| Loan loss allowance to noncurrent loans | 173.7600% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 5,273 |
| Noncurrent loans to loans | 1.0134% | 5,282 |
| Net loans and leases to total assets | 60.8166% | 4,901 |
| Net loans and leases to deposits | 70.3951% | 5,224 |
| Net loans and leases to core deposits | 73.2927% | 5,524 |
| Total domestic deposits to total assets | 86.3931% | 2,871 |
| Equity capital to assets | 11.8544% | 2,178 |
| Core capital (leverage) ratio | 10.9250% | 2,300 |
| Tier 1 risk-based capital ratio | 15.8880% | 2,721 |
| Total risk-based capital ratio | 17.1427% | 2,686 |
| Memoranda: | ||
| Average total assets | $1,367,618,330 | 486 |
| Average earning assets | $1,232,714,670 | 484 |
| Average equity | $161,514,330 | 423 |
| Average total loans | $866,417,330 | 516 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5305% | 6,729 |
| Cost of funding earning assets | 0.9064% | 6,746 |
| Net interest margin | 3.6241% | 4,607 |
| Noninterest income to average assets | 0.9489% | 1,457 |
| Noninterest expense to average assets | 3.2555% | 2,689 |
| Loan and lease loss provision to assets | 0.1772% | 4,749 |
| Net operating income to assets | 0.4787% | 4,498 |
| Return on assets (ROA) | 0.4787% | 4,626 |
| Pretax return on assets | 0.7784% | 3,959 |
| Return on Equity (ROE) | 4.0612% | 4,871 |
| Retained earnings to average equity (ytd only) | 1.9784% | 4,947 |
| Net charge-offs to loans | 0.1559% | 3,992 |
| Credit loss provision to net charge-offs | 177.4194% | 2,057 |
| Earnings coverage of net charge-offs (x) | 9.5660% | 1,834 |
| Efficiency ratio | 76.5062% | 3,132 |
| Assets per employee ($millions) | 3.3191% | 5,499 |
| Cash dividends to net income (ytd only)* | 51.2852% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7648% | 2,845 |
| Loan loss allowance to noncurrent loans | 180.5572% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 5,314 |
| Noncurrent loans to loans | 0.9774% | 5,373 |
| Net loans and leases to total assets | 61.9934% | 4,759 |
| Net loans and leases to deposits | 71.6746% | 5,094 |
| Net loans and leases to core deposits | 74.7815% | 5,418 |
| Total domestic deposits to total assets | 86.4930% | 2,898 |
| Equity capital to assets | 11.7982% | 2,165 |
| Core capital (leverage) ratio | 10.9134% | 2,286 |
| Tier 1 risk-based capital ratio | 15.5004% | 2,869 |
| Total risk-based capital ratio | 16.7551% | 2,817 |
| Memoranda: | ||
| Average total assets | $1,365,332,500 | 502 |
| Average earning assets | $1,229,001,500 | 501 |
| Average equity | $160,939,000 | 426 |
| Average total loans | $874,887,000 | 531 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6766% | 7,173 |
| Cost of funding earning assets | 1.2747% | 6,398 |
| Net interest margin | 3.4019% | 5,350 |
| Noninterest income to average assets | 0.9115% | 1,901 |
| Noninterest expense to average assets | 3.2232% | 3,305 |
| Loan and lease loss provision to assets | 0.1400% | 6,241 |
| Net operating income to assets | 0.4121% | 4,082 |
| Return on assets (ROA) | 0.4121% | 4,190 |
| Pretax return on assets | 0.6174% | 3,857 |
| Return on Equity (ROE) | 3.6111% | 4,250 |
| Retained earnings to average equity (ytd only) | 1.4849% | 4,028 |
| Net charge-offs to loans | 0.5636% | 3,531 |
| Credit loss provision to net charge-offs | 37.1641% | 6,854 |
| Earnings coverage of net charge-offs (x) | 2.0105% | 4,216 |
| Efficiency ratio | 80.1176% | 2,875 |
| Assets per employee ($millions) | 3.2769% | 5,544 |
| Cash dividends to net income (ytd only)* | 58.8779% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6876% | 2,937 |
| Loan loss allowance to noncurrent loans | 203.2043% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 5,448 |
| Noncurrent loans to loans | 0.8305% | 5,631 |
| Net loans and leases to total assets | 63.9554% | 4,610 |
| Net loans and leases to deposits | 74.0115% | 5,037 |
| Net loans and leases to core deposits | 87.6650% | 5,362 |
| Total domestic deposits to total assets | 86.4128% | 2,812 |
| Equity capital to assets | 11.7768% | 2,151 |
| Core capital (leverage) ratio | 10.6173% | 2,492 |
| Tier 1 risk-based capital ratio | 14.9102% | 2,994 |
| Total risk-based capital ratio | 16.1639% | 2,937 |
| Memoranda: | ||
| Average total assets | $1,392,757,400 | 492 |
| Average earning assets | $1,256,542,600 | 487 |
| Average equity | $158,928,400 | 434 |
| Average total loans | $930,928,000 | 513 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6721% | 7,329 |
| Cost of funding earning assets | 1.3394% | 6,435 |
| Net interest margin | 3.3327% | 5,520 |
| Noninterest income to average assets | 0.9298% | 1,862 |
| Noninterest expense to average assets | 3.1956% | 3,314 |
| Loan and lease loss provision to assets | 0.0571% | 6,792 |
| Net operating income to assets | 0.4559% | 4,173 |
| Return on assets (ROA) | 0.4559% | 4,283 |
| Pretax return on assets | 0.6848% | 3,908 |
| Return on Equity (ROE) | 4.0270% | 4,365 |
| Retained earnings to average equity (ytd only) | 1.8941% | 4,265 |
| Net charge-offs to loans | 0.4326% | 3,519 |
| Credit loss provision to net charge-offs | 19.6335% | 6,578 |
| Earnings coverage of net charge-offs (x) | 2.5494% | 3,953 |
| Efficiency ratio | 80.2897% | 2,796 |
| Assets per employee ($millions) | 3.2416% | 5,539 |
| Cash dividends to net income (ytd only)* | 52.9658% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7419% | 2,469 |
| Loan loss allowance to noncurrent loans | 218.9942% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 5,254 |
| Noncurrent loans to loans | 0.7954% | 5,706 |
| Net loans and leases to total assets | 64.5702% | 4,734 |
| Net loans and leases to deposits | 74.8146% | 5,245 |
| Net loans and leases to core deposits | 89.2065% | 5,512 |
| Total domestic deposits to total assets | 86.3070% | 2,536 |
| Equity capital to assets | 11.5690% | 2,533 |
| Core capital (leverage) ratio | 10.5077% | 2,788 |
| Tier 1 risk-based capital ratio | 14.4862% | 3,284 |
| Total risk-based capital ratio | 15.7404% | 3,225 |
| Memoranda: | ||
| Average total assets | $1,400,148,500 | 500 |
| Average earning assets | $1,263,621,750 | 499 |
| Average equity | $158,525,250 | 445 |
| Average total loans | $941,959,750 | 520 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 7,420 |
| Cost of funding earning assets | 1.3941% | 6,500 |
| Net interest margin | 3.2783% | 5,633 |
| Noninterest income to average assets | 0.9002% | 1,990 |
| Noninterest expense to average assets | 3.1417% | 3,532 |
| Loan and lease loss provision to assets | 0.0569% | 6,651 |
| Net operating income to assets | 0.4087% | 4,480 |
| Return on assets (ROA) | 0.4087% | 4,586 |
| Pretax return on assets | 0.6608% | 4,128 |
| Return on Equity (ROE) | 3.6354% | 4,652 |
| Retained earnings to average equity (ytd only) | 1.5015% | 4,491 |
| Net charge-offs to loans | 0.4285% | 3,086 |
| Credit loss provision to net charge-offs | 19.5791% | 6,135 |
| Earnings coverage of net charge-offs (x) | 2.4704% | 3,829 |
| Efficiency ratio | 80.5062% | 2,962 |
| Assets per employee ($millions) | 3.3054% | 5,307 |
| Cash dividends to net income (ytd only)* | 58.6987% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8068% | 2,025 |
| Loan loss allowance to noncurrent loans | 209.8485% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 5,125 |
| Noncurrent loans to loans | 0.8610% | 5,495 |
| Net loans and leases to total assets | 63.5470% | 5,069 |
| Net loans and leases to deposits | 73.6685% | 5,503 |
| Net loans and leases to core deposits | 87.7258% | 5,747 |
| Total domestic deposits to total assets | 86.2607% | 2,647 |
| Equity capital to assets | 11.1652% | 2,780 |
| Core capital (leverage) ratio | 10.3602% | 2,942 |
| Tier 1 risk-based capital ratio | 14.1917% | 3,407 |
| Total risk-based capital ratio | 15.4468% | 3,343 |
| Memoranda: | ||
| Average total assets | $1,406,555,670 | 509 |
| Average earning assets | $1,269,639,670 | 505 |
| Average equity | $158,113,670 | 452 |
| Average total loans | $953,454,670 | 532 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 7,441 |
| Cost of funding earning assets | 1.4642% | 6,526 |
| Net interest margin | 3.2831% | 5,555 |
| Noninterest income to average assets | 0.8682% | 2,000 |
| Noninterest expense to average assets | 3.1227% | 3,292 |
| Loan and lease loss provision to assets | 0.0286% | 6,569 |
| Net operating income to assets | 0.4205% | 4,776 |
| Return on assets (ROA) | 0.4205% | 4,950 |
| Pretax return on assets | 0.6784% | 4,501 |
| Return on Equity (ROE) | 3.7282% | 5,069 |
| Retained earnings to average equity (ytd only) | 1.5891% | 4,964 |
| Net charge-offs to loans | 0.4040% | 2,487 |
| Credit loss provision to net charge-offs | 10.2041% | 5,196 |
| Earnings coverage of net charge-offs (x) | 2.5235% | 3,488 |
| Efficiency ratio | 80.6285% | 2,717 |
| Assets per employee ($millions) | 3.1792% | 5,651 |
| Cash dividends to net income (ytd only)* | 57.3759% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 1,806 |
| Loan loss allowance to noncurrent loans | 245.4533% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 5,257 |
| Noncurrent loans to loans | 0.7407% | 5,578 |
| Net loans and leases to total assets | 66.6568% | 4,424 |
| Net loans and leases to deposits | 76.9118% | 5,102 |
| Net loans and leases to core deposits | 92.4414% | 5,310 |
| Total domestic deposits to total assets | 86.6666% | 2,375 |
| Equity capital to assets | 11.2283% | 2,786 |
| Core capital (leverage) ratio | 10.4187% | 3,014 |
| Tier 1 risk-based capital ratio | 13.8278% | 3,679 |
| Total risk-based capital ratio | 15.0833% | 3,601 |
| Memoranda: | ||
| Average total assets | $1,399,163,500 | 513 |
| Average earning assets | $1,262,099,500 | 514 |
| Average equity | $157,822,500 | 450 |
| Average total loans | $970,262,500 | 525 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7965% | 6,446 |
| Cost of funding earning assets | 2.0169% | 6,358 |
| Net interest margin | 3.7796% | 4,104 |
| Noninterest income to average assets | 0.9346% | 1,835 |
| Noninterest expense to average assets | 3.0659% | 3,837 |
| Loan and lease loss provision to assets | 0.1334% | 5,656 |
| Net operating income to assets | 0.7455% | 3,693 |
| Return on assets (ROA) | 0.7455% | 3,532 |
| Pretax return on assets | 1.1456% | 2,851 |
| Return on Equity (ROE) | 6.8528% | 3,602 |
| Retained earnings to average equity (ytd only) | 4.6973% | 2,204 |
| Net charge-offs to loans | 0.1727% | 4,473 |
| Credit loss provision to net charge-offs | 111.7681% | 4,825 |
| Earnings coverage of net charge-offs (x) | 10.7130% | 2,470 |
| Efficiency ratio | 69.6411% | 4,421 |
| Assets per employee ($millions) | 2.8541% | 6,435 |
| Cash dividends to net income (ytd only)* | 31.4548% | 4,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 1,518 |
| Loan loss allowance to noncurrent loans | 313.1516% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 5,506 |
| Noncurrent loans to loans | 0.5925% | 5,597 |
| Net loans and leases to total assets | 69.5061% | 4,139 |
| Net loans and leases to deposits | 80.4227% | 4,970 |
| Net loans and leases to core deposits | 96.4547% | 5,218 |
| Total domestic deposits to total assets | 86.4260% | 2,205 |
| Equity capital to assets | 11.3319% | 2,767 |
| Core capital (leverage) ratio | 10.1305% | 3,333 |
| Tier 1 risk-based capital ratio | 13.3112% | 3,926 |
| Total risk-based capital ratio | 14.5670% | 3,823 |
| Memoranda: | ||
| Average total assets | $1,444,882,200 | 482 |
| Average earning assets | $1,303,714,200 | 487 |
| Average equity | $157,177,000 | 449 |
| Average total loans | $998,869,400 | 493 |