Home > Traditional Bank, Inc. > Performance and Condition Ratios
Traditional Bank, Inc., 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 | 4.4646% | 3,156 |
| Cost of funding earning assets | 1.9761% | 948 |
| Net interest margin | 2.4885% | 4,102 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.7658% | 4,048 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8725% | 2,624 |
| Return on assets (ROA) | 0.8701% | 2,608 |
| Pretax return on assets | 0.9477% | 2,819 |
| Return on Equity (ROE) | 12.6600% | 1,805 |
| Retained earnings to average equity (ytd only) | 2.2636% | 3,512 |
| Net charge-offs to loans | 0.0158% | 2,073 |
| Credit loss provision to net charge-offs | -128.4360% | 4,488 |
| Earnings coverage of net charge-offs (x) | 109.3175% | 861 |
| Efficiency ratio | 63.2221% | 2,702 |
| Assets per employee ($millions) | 8.4977% | 1,185 |
| Cash dividends to net income (ytd only)* | 82.1160% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1023% | 2,824 |
| Loan loss allowance to noncurrent loans | 523.9437% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 1,690 |
| Noncurrent loans to loans | 0.2104% | 2,468 |
| Net loans and leases to total assets | 59.7700% | 2,863 |
| Net loans and leases to deposits | 69.5282% | 2,921 |
| Net loans and leases to core deposits | 83.3943% | 2,499 |
| Total domestic deposits to total assets | 85.9600% | 2,032 |
| Equity capital to assets | 7.1366% | 3,882 |
| Core capital (leverage) ratio | 9.2048% | 3,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3564% | 1,736 |
| Memoranda: | ||
| Average total assets | $2,245,470,400 | 511 |
| Average earning assets | $2,115,627,200 | 497 |
| Average equity | $154,354,600 | 661 |
| Average total loans | $1,337,180,200 | 570 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3556% | 3,188 |
| Cost of funding earning assets | 1.8140% | 987 |
| Net interest margin | 2.5416% | 4,100 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.7660% | 4,033 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9299% | 2,579 |
| Return on assets (ROA) | 0.9266% | 2,580 |
| Pretax return on assets | 0.9880% | 2,890 |
| Return on Equity (ROE) | 13.6200% | 1,765 |
| Retained earnings to average equity (ytd only) | 5.2009% | 2,870 |
| Net charge-offs to loans | 0.0151% | 1,857 |
| Credit loss provision to net charge-offs | -480.5369% | 4,574 |
| Earnings coverage of net charge-offs (x) | 119.4295% | 845 |
| Efficiency ratio | 62.3035% | 2,683 |
| Assets per employee ($millions) | 8.5570% | 1,098 |
| Cash dividends to net income (ytd only)* | 61.8066% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,778 |
| Loan loss allowance to noncurrent loans | 590.2789% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2997% | 1,814 |
| Noncurrent loans to loans | 0.1892% | 2,605 |
| Net loans and leases to total assets | 58.4000% | 2,994 |
| Net loans and leases to deposits | 67.4239% | 3,017 |
| Net loans and leases to core deposits | 79.6829% | 2,626 |
| Total domestic deposits to total assets | 86.6200% | 2,009 |
| Equity capital to assets | 6.4739% | 3,838 |
| Core capital (leverage) ratio | 9.6405% | 3,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8211% | 1,622 |
| Memoranda: | ||
| Average total assets | $2,220,493,750 | 514 |
| Average earning assets | $2,088,921,250 | 502 |
| Average equity | $151,098,250 | 668 |
| Average total loans | $1,317,137,750 | 578 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2626% | 3,165 |
| Cost of funding earning assets | 1.6388% | 984 |
| Net interest margin | 2.6239% | 4,083 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 1.7659% | 4,061 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0635% | 2,225 |
| Return on assets (ROA) | 1.0584% | 2,238 |
| Pretax return on assets | 1.0748% | 2,710 |
| Return on Equity (ROE) | 15.2900% | 1,414 |
| Retained earnings to average equity (ytd only) | 6.1092% | 2,584 |
| Net charge-offs to loans | 0.0146% | 1,650 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,625 |
| Earnings coverage of net charge-offs (x) | 133.5474% | 795 |
| Efficiency ratio | 60.3878% | 2,914 |
| Assets per employee ($millions) | 8.3429% | 1,163 |
| Cash dividends to net income (ytd only)* | 60.0500% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1286% | 2,800 |
| Loan loss allowance to noncurrent loans | 799.9462% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 1,626 |
| Noncurrent loans to loans | 0.1411% | 2,765 |
| Net loans and leases to total assets | 58.2600% | 2,941 |
| Net loans and leases to deposits | 67.5401% | 2,944 |
| Net loans and leases to core deposits | 76.1726% | 2,750 |
| Total domestic deposits to total assets | 86.2700% | 2,157 |
| Equity capital to assets | 7.1434% | 3,716 |
| Core capital (leverage) ratio | 9.8987% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1812% | 1,514 |
| Memoranda: | ||
| Average total assets | $2,190,530,333 | 507 |
| Average earning assets | $2,057,507,333 | 493 |
| Average equity | $151,607,333 | 664 |
| Average total loans | $1,301,348,000 | 568 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 3,111 |
| Cost of funding earning assets | 1.4270% | 976 |
| Net interest margin | 2.7373% | 4,027 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 1.7525% | 4,111 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.3078% | 1,648 |
| Return on assets (ROA) | 1.2995% | 1,638 |
| Pretax return on assets | 1.2291% | 2,355 |
| Return on Equity (ROE) | 19.0900% | 873 |
| Retained earnings to average equity (ytd only) | 7.2517% | 2,434 |
| Net charge-offs to loans | 0.0130% | 1,468 |
| Credit loss provision to net charge-offs | -3,757.1429% | 4,676 |
| Earnings coverage of net charge-offs (x) | 169.6667% | 565 |
| Efficiency ratio | 57.1343% | 3,288 |
| Assets per employee ($millions) | 8.2645% | 1,222 |
| Cash dividends to net income (ytd only)* | 62.0190% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1136% | 2,987 |
| Loan loss allowance to noncurrent loans | 2,818.2879% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 1,799 |
| Noncurrent loans to loans | 0.0395% | 3,460 |
| Net loans and leases to total assets | 58.7300% | 2,795 |
| Net loans and leases to deposits | 66.8747% | 2,858 |
| Net loans and leases to core deposits | 75.5553% | 2,564 |
| Total domestic deposits to total assets | 87.8200% | 1,981 |
| Equity capital to assets | 7.3987% | 3,619 |
| Core capital (leverage) ratio | 9.9406% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0050% | 1,625 |
| Memoranda: | ||
| Average total assets | $2,167,847,000 | 522 |
| Average earning assets | $2,050,470,500 | 508 |
| Average equity | $147,552,000 | 688 |
| Average total loans | $1,293,225,500 | 579 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5314% | 2,999 |
| Cost of funding earning assets | 0.5487% | 1,115 |
| Net interest margin | 2.9827% | 3,492 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.5507% | 4,366 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 1.5951% | 700 |
| Return on assets (ROA) | 1.5935% | 671 |
| Pretax return on assets | 1.5935% | 1,182 |
| Return on Equity (ROE) | 23.3400% | 264 |
| Retained earnings to average equity (ytd only) | 12.8085% | 533 |
| Net charge-offs to loans | 0.0609% | 1,039 |
| Credit loss provision to net charge-offs | 247.0180% | 1,003 |
| Earnings coverage of net charge-offs (x) | 51.5673% | 1,340 |
| Efficiency ratio | 48.0675% | 4,233 |
| Assets per employee ($millions) | 8.3813% | 1,147 |
| Cash dividends to net income (ytd only)* | 45.1237% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,130 |
| Loan loss allowance to noncurrent loans | 1,483.0571% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 1,484 |
| Noncurrent loans to loans | 0.0845% | 3,151 |
| Net loans and leases to total assets | 59.1700% | 2,711 |
| Net loans and leases to deposits | 67.1822% | 2,796 |
| Net loans and leases to core deposits | 73.3683% | 2,620 |
| Total domestic deposits to total assets | 88.0800% | 2,048 |
| Equity capital to assets | 6.2018% | 4,017 |
| Core capital (leverage) ratio | 9.7872% | 2,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1517% | 1,589 |
| Memoranda: | ||
| Average total assets | $2,219,261,200 | 506 |
| Average earning assets | $2,120,777,000 | 483 |
| Average equity | $151,516,800 | 675 |
| Average total loans | $1,184,141,600 | 588 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3787% | 2,972 |
| Cost of funding earning assets | 0.4136% | 1,200 |
| Net interest margin | 2.9651% | 3,311 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.5125% | 4,409 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.6083% | 648 |
| Return on assets (ROA) | 1.6063% | 630 |
| Pretax return on assets | 1.6063% | 1,105 |
| Return on Equity (ROE) | 23.0200% | 253 |
| Retained earnings to average equity (ytd only) | 13.0538% | 604 |
| Net charge-offs to loans | 0.0308% | 1,219 |
| Credit loss provision to net charge-offs | 494.4030% | 618 |
| Earnings coverage of net charge-offs (x) | 105.6604% | 925 |
| Efficiency ratio | 47.2701% | 4,315 |
| Assets per employee ($millions) | 8.8509% | 950 |
| Cash dividends to net income (ytd only)* | 43.2970% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 2,007 |
| Loan loss allowance to noncurrent loans | 1,842.4485% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 1,404 |
| Noncurrent loans to loans | 0.0708% | 3,369 |
| Net loans and leases to total assets | 54.6200% | 3,039 |
| Net loans and leases to deposits | 60.4894% | 3,152 |
| Net loans and leases to core deposits | 65.2360% | 3,002 |
| Total domestic deposits to total assets | 90.3000% | 1,527 |
| Equity capital to assets | 5.4385% | 4,149 |
| Core capital (leverage) ratio | 9.2336% | 3,343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1474% | 1,663 |
| Memoranda: | ||
| Average total assets | $2,237,674,500 | 500 |
| Average earning assets | $2,141,097,250 | 480 |
| Average equity | $156,129,250 | 667 |
| Average total loans | $1,158,757,250 | 594 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2052% | 3,028 |
| Cost of funding earning assets | 0.3411% | 1,356 |
| Net interest margin | 2.8641% | 3,259 |
| Noninterest income to average assets | 0.3717% | 2,917 |
| Noninterest expense to average assets | 1.4515% | 4,470 |
| Loan and lease loss provision to assets | 0.0778% | 1,244 |
| Net operating income to assets | 1.5872% | 567 |
| Return on assets (ROA) | 1.5851% | 562 |
| Pretax return on assets | 1.5851% | 979 |
| Return on Equity (ROE) | 21.1687% | 234 |
| Retained earnings to average equity (ytd only) | 12.1964% | 580 |
| Net charge-offs to loans | 0.0341% | 1,054 |
| Credit loss provision to net charge-offs | 451.2953% | 661 |
| Earnings coverage of net charge-offs (x) | 96.6218% | 833 |
| Efficiency ratio | 46.5750% | 4,424 |
| Assets per employee ($millions) | 8.6350% | 1,009 |
| Cash dividends to net income (ytd only)* | 42.3848% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,022 |
| Loan loss allowance to noncurrent loans | 1,227.4785% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.5785% | 974 |
| Noncurrent loans to loans | 0.1088% | 3,207 |
| Net loans and leases to total assets | 52.7401% | 3,088 |
| Net loans and leases to deposits | 58.6377% | 3,167 |
| Net loans and leases to core deposits | 64.0262% | 2,968 |
| Total domestic deposits to total assets | 89.9423% | 1,731 |
| Equity capital to assets | 5.7908% | 4,274 |
| Core capital (leverage) ratio | 9.1348% | 3,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4376% | 1,592 |
| Memoranda: | ||
| Average total assets | $2,240,087,667 | 497 |
| Average earning assets | $2,146,706,333 | 479 |
| Average equity | $167,738,000 | 630 |
| Average total loans | $1,133,527,333 | 595 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1103% | 2,952 |
| Cost of funding earning assets | 0.3255% | 1,409 |
| Net interest margin | 2.7849% | 3,187 |
| Noninterest income to average assets | 0.3148% | 3,211 |
| Noninterest expense to average assets | 1.3469% | 4,587 |
| Loan and lease loss provision to assets | 0.0781% | 1,056 |
| Net operating income to assets | 1.5606% | 562 |
| Return on assets (ROA) | 1.5577% | 558 |
| Pretax return on assets | 1.5577% | 907 |
| Return on Equity (ROE) | 18.7339% | 294 |
| Retained earnings to average equity (ytd only) | 10.6531% | 861 |
| Net charge-offs to loans | 0.0360% | 941 |
| Credit loss provision to net charge-offs | 441.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 92.5500% | 700 |
| Efficiency ratio | 45.1133% | 4,525 |
| Assets per employee ($millions) | 9.2928% | 830 |
| Cash dividends to net income (ytd only)* | 43.1348% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,009 |
| Loan loss allowance to noncurrent loans | 1,145.7185% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.5645% | 1,063 |
| Noncurrent loans to loans | 0.1199% | 3,224 |
| Net loans and leases to total assets | 48.7203% | 3,310 |
| Net loans and leases to deposits | 55.1630% | 3,329 |
| Net loans and leases to core deposits | 61.0559% | 3,057 |
| Total domestic deposits to total assets | 88.3207% | 2,380 |
| Equity capital to assets | 7.4883% | 3,941 |
| Core capital (leverage) ratio | 9.0571% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7108% | 1,585 |
| Memoranda: | ||
| Average total assets | $2,259,163,000 | 496 |
| Average earning assets | $2,166,573,000 | 476 |
| Average equity | $187,852,000 | 581 |
| Average total loans | $1,111,777,000 | 596 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 2,799 |
| Cost of funding earning assets | 0.4259% | 1,350 |
| Net interest margin | 3.0248% | 3,133 |
| Noninterest income to average assets | 0.3545% | 3,317 |
| Noninterest expense to average assets | 1.3944% | 4,629 |
| Loan and lease loss provision to assets | 0.0778% | 1,567 |
| Net operating income to assets | 1.7909% | 518 |
| Return on assets (ROA) | 1.7884% | 543 |
| Pretax return on assets | 1.7884% | 941 |
| Return on Equity (ROE) | 19.2261% | 359 |
| Retained earnings to average equity (ytd only) | 9.4869% | 1,053 |
| Net charge-offs to loans | 0.1995% | 483 |
| Credit loss provision to net charge-offs | 69.7434% | 2,017 |
| Earnings coverage of net charge-offs (x) | 16.7508% | 1,965 |
| Efficiency ratio | 42.7314% | 4,615 |
| Assets per employee ($millions) | 10.0039% | 664 |
| Cash dividends to net income (ytd only)* | 50.6558% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 2,080 |
| Loan loss allowance to noncurrent loans | 137.1934% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.0159% | 542 |
| Noncurrent loans to loans | 0.9939% | 999 |
| Net loans and leases to total assets | 48.3550% | 3,470 |
| Net loans and leases to deposits | 55.7583% | 3,440 |
| Net loans and leases to core deposits | 61.7629% | 3,187 |
| Total domestic deposits to total assets | 86.7226% | 2,612 |
| Equity capital to assets | 9.1480% | 3,461 |
| Core capital (leverage) ratio | 8.9300% | 3,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8261% | 1,573 |
| Memoranda: | ||
| Average total assets | $2,165,630,200 | 487 |
| Average earning assets | $2,082,468,200 | 470 |
| Average equity | $201,445,400 | 540 |
| Average total loans | $1,210,864,600 | 559 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 2,640 |
| Cost of funding earning assets | 0.4499% | 1,351 |
| Net interest margin | 3.1182% | 3,007 |
| Noninterest income to average assets | 0.3474% | 3,373 |
| Noninterest expense to average assets | 1.3824% | 4,702 |
| Loan and lease loss provision to assets | 0.0778% | 1,512 |
| Net operating income to assets | 1.8872% | 573 |
| Return on assets (ROA) | 1.8843% | 598 |
| Pretax return on assets | 1.8843% | 977 |
| Return on Equity (ROE) | 20.1690% | 418 |
| Retained earnings to average equity (ytd only) | 10.3181% | 1,224 |
| Net charge-offs to loans | 0.2269% | 366 |
| Credit loss provision to net charge-offs | 59.4492% | 1,809 |
| Earnings coverage of net charge-offs (x) | 15.0062% | 1,878 |
| Efficiency ratio | 41.2976% | 4,679 |
| Assets per employee ($millions) | 10.2339% | 601 |
| Cash dividends to net income (ytd only)* | 48.8417% | 1,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2975% | 2,500 |
| Loan loss allowance to noncurrent loans | 121.7409% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 500 |
| Noncurrent loans to loans | 1.0658% | 1,065 |
| Net loans and leases to total assets | 51.3537% | 3,263 |
| Net loans and leases to deposits | 59.7556% | 3,255 |
| Net loans and leases to core deposits | 66.1895% | 2,935 |
| Total domestic deposits to total assets | 85.9396% | 2,772 |
| Equity capital to assets | 9.4324% | 3,436 |
| Core capital (leverage) ratio | 9.0488% | 3,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7057% | 1,725 |
| Memoranda: | ||
| Average total assets | $2,144,316,000 | 494 |
| Average earning assets | $2,063,081,750 | 478 |
| Average equity | $200,329,000 | 546 |
| Average total loans | $1,237,715,000 | 556 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6515% | 2,466 |
| Cost of funding earning assets | 0.4786% | 1,337 |
| Net interest margin | 3.1729% | 2,841 |
| Noninterest income to average assets | 0.3387% | 3,410 |
| Noninterest expense to average assets | 1.3804% | 4,737 |
| Loan and lease loss provision to assets | 0.0764% | 1,562 |
| Net operating income to assets | 1.9384% | 547 |
| Return on assets (ROA) | 1.9357% | 571 |
| Pretax return on assets | 1.9357% | 940 |
| Return on Equity (ROE) | 20.7891% | 401 |
| Retained earnings to average equity (ytd only) | 10.5464% | 1,237 |
| Net charge-offs to loans | -0.0111% | 3,708 |
| Credit loss provision to net charge-offs | -1,158.5714% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6573% | 4,731 |
| Assets per employee ($millions) | 10.0015% | 606 |
| Cash dividends to net income (ytd only)* | 49.2697% | 1,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,034 |
| Loan loss allowance to noncurrent loans | 83.1279% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1401% | 622 |
| Noncurrent loans to loans | 1.6685% | 641 |
| Net loans and leases to total assets | 55.0772% | 3,004 |
| Net loans and leases to deposits | 63.8896% | 3,010 |
| Net loans and leases to core deposits | 72.7112% | 2,546 |
| Total domestic deposits to total assets | 86.2068% | 2,661 |
| Equity capital to assets | 9.4723% | 3,358 |
| Core capital (leverage) ratio | 8.9302% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8301% | 1,679 |
| Memoranda: | ||
| Average total assets | $2,122,245,667 | 496 |
| Average earning assets | $2,044,408,000 | 478 |
| Average equity | $197,603,333 | 547 |
| Average total loans | $1,266,916,667 | 546 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9374% | 1,727 |
| Cost of funding earning assets | 0.5040% | 1,367 |
| Net interest margin | 3.4334% | 2,011 |
| Noninterest income to average assets | 0.3305% | 3,447 |
| Noninterest expense to average assets | 1.3376% | 4,793 |
| Loan and lease loss provision to assets | 0.0765% | 1,665 |
| Net operating income to assets | 2.2252% | 398 |
| Return on assets (ROA) | 2.2216% | 434 |
| Pretax return on assets | 2.2216% | 665 |
| Return on Equity (ROE) | 24.0725% | 293 |
| Retained earnings to average equity (ytd only) | 11.1923% | 1,354 |
| Net charge-offs to loans | -0.0314% | 4,192 |
| Credit loss provision to net charge-offs | -395.0980% | 3,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7551% | 4,835 |
| Assets per employee ($millions) | 9.6414% | 666 |
| Cash dividends to net income (ytd only)* | 53.5059% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2686% | 2,573 |
| Loan loss allowance to noncurrent loans | 184.8337% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 2,127 |
| Noncurrent loans to loans | 0.6863% | 1,870 |
| Net loans and leases to total assets | 59.2050% | 2,646 |
| Net loans and leases to deposits | 68.6094% | 2,636 |
| Net loans and leases to core deposits | 79.1244% | 2,085 |
| Total domestic deposits to total assets | 86.2929% | 2,627 |
| Equity capital to assets | 9.0660% | 3,622 |
| Core capital (leverage) ratio | 8.9133% | 3,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8418% | 1,623 |
| Memoranda: | ||
| Average total assets | $2,108,210,500 | 495 |
| Average earning assets | $2,031,712,500 | 475 |
| Average equity | $194,562,500 | 547 |
| Average total loans | $1,299,879,000 | 538 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9320% | 2,928 |
| Cost of funding earning assets | 0.7379% | 1,519 |
| Net interest margin | 3.1941% | 3,375 |
| Noninterest income to average assets | 0.3267% | 3,503 |
| Noninterest expense to average assets | 1.7100% | 4,609 |
| Loan and lease loss provision to assets | 0.1121% | 2,946 |
| Net operating income to assets | 1.5583% | 697 |
| Return on assets (ROA) | 1.5831% | 722 |
| Pretax return on assets | 1.5831% | 1,110 |
| Return on Equity (ROE) | 16.1698% | 484 |
| Retained earnings to average equity (ytd only) | 7.8317% | 1,105 |
| Net charge-offs to loans | 0.0079% | 3,049 |
| Credit loss provision to net charge-offs | 2,072.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 308.6800% | 343 |
| Efficiency ratio | 50.5851% | 4,495 |
| Assets per employee ($millions) | 9.2268% | 685 |
| Cash dividends to net income (ytd only)* | 51.5656% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,959 |
| Loan loss allowance to noncurrent loans | 136.9056% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 1,854 |
| Noncurrent loans to loans | 0.8755% | 1,616 |
| Net loans and leases to total assets | 62.6426% | 2,523 |
| Net loans and leases to deposits | 72.9401% | 2,593 |
| Net loans and leases to core deposits | 85.0767% | 1,948 |
| Total domestic deposits to total assets | 85.8823% | 2,410 |
| Equity capital to assets | 9.3967% | 3,702 |
| Core capital (leverage) ratio | 9.0663% | 3,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2919% | 1,748 |
| Memoranda: | ||
| Average total assets | $1,847,920,600 | 513 |
| Average earning assets | $1,766,683,400 | 497 |
| Average equity | $180,917,600 | 554 |
| Average total loans | $1,267,353,400 | 523 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0657% | 2,773 |
| Cost of funding earning assets | 0.7990% | 1,503 |
| Net interest margin | 3.2667% | 3,294 |
| Noninterest income to average assets | 0.3330% | 3,485 |
| Noninterest expense to average assets | 1.7598% | 4,554 |
| Loan and lease loss provision to assets | 0.1074% | 2,976 |
| Net operating income to assets | 1.5824% | 760 |
| Return on assets (ROA) | 1.6190% | 760 |
| Pretax return on assets | 1.6190% | 1,133 |
| Return on Equity (ROE) | 16.3459% | 505 |
| Retained earnings to average equity (ytd only) | 8.0136% | 1,300 |
| Net charge-offs to loans | 0.0076% | 2,846 |
| Credit loss provision to net charge-offs | 2,002.7778% | 471 |
| Earnings coverage of net charge-offs (x) | 315.2361% | 341 |
| Efficiency ratio | 51.0154% | 4,419 |
| Assets per employee ($millions) | 8.6397% | 795 |
| Cash dividends to net income (ytd only)* | 50.9749% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 3,018 |
| Loan loss allowance to noncurrent loans | 195.2271% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 2,525 |
| Noncurrent loans to loans | 0.5805% | 2,343 |
| Net loans and leases to total assets | 67.5041% | 2,315 |
| Net loans and leases to deposits | 79.1940% | 2,405 |
| Net loans and leases to core deposits | 90.1897% | 1,954 |
| Total domestic deposits to total assets | 85.2389% | 2,343 |
| Equity capital to assets | 9.6738% | 3,538 |
| Core capital (leverage) ratio | 9.4369% | 3,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8629% | 2,662 |
| Memoranda: | ||
| Average total assets | $1,790,890,500 | 523 |
| Average earning assets | $1,708,596,500 | 502 |
| Average equity | $177,377,250 | 559 |
| Average total loans | $1,255,126,000 | 518 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 3,064 |
| Cost of funding earning assets | 0.8818% | 1,455 |
| Net interest margin | 3.2124% | 3,637 |
| Noninterest income to average assets | 0.3420% | 3,425 |
| Noninterest expense to average assets | 1.8067% | 4,549 |
| Loan and lease loss provision to assets | 0.0605% | 3,544 |
| Net operating income to assets | 1.5313% | 876 |
| Return on assets (ROA) | 1.5953% | 838 |
| Pretax return on assets | 1.5953% | 1,233 |
| Return on Equity (ROE) | 15.9666% | 572 |
| Retained earnings to average equity (ytd only) | 6.9860% | 1,668 |
| Net charge-offs to loans | -0.0013% | 3,774 |
| Credit loss provision to net charge-offs | -6,562.5000% | 4,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1612% | 4,267 |
| Assets per employee ($millions) | 8.2507% | 887 |
| Cash dividends to net income (ytd only)* | 56.2464% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,090 |
| Loan loss allowance to noncurrent loans | 182.5102% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4327% | 2,576 |
| Noncurrent loans to loans | 0.6002% | 2,347 |
| Net loans and leases to total assets | 68.8223% | 2,210 |
| Net loans and leases to deposits | 80.8892% | 2,328 |
| Net loans and leases to core deposits | 93.4866% | 1,789 |
| Total domestic deposits to total assets | 85.0822% | 2,363 |
| Equity capital to assets | 9.7028% | 3,473 |
| Core capital (leverage) ratio | 9.6226% | 3,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9937% | 2,183 |
| Memoranda: | ||
| Average total assets | $1,734,117,333 | 529 |
| Average earning assets | $1,649,982,333 | 509 |
| Average equity | $173,261,667 | 571 |
| Average total loans | $1,227,144,000 | 518 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 2,929 |
| Cost of funding earning assets | 1.0202% | 1,335 |
| Net interest margin | 3.2785% | 3,647 |
| Noninterest income to average assets | 0.3946% | 3,145 |
| Noninterest expense to average assets | 1.9126% | 4,527 |
| Loan and lease loss provision to assets | 0.0665% | 2,932 |
| Net operating income to assets | 1.5414% | 710 |
| Return on assets (ROA) | 1.6074% | 681 |
| Pretax return on assets | 1.6074% | 1,030 |
| Return on Equity (ROE) | 15.8287% | 445 |
| Retained earnings to average equity (ytd only) | 4.3954% | 2,539 |
| Net charge-offs to loans | 0.0179% | 2,017 |
| Credit loss provision to net charge-offs | 520.7547% | 858 |
| Earnings coverage of net charge-offs (x) | 125.9434% | 494 |
| Efficiency ratio | 54.3277% | 4,377 |
| Assets per employee ($millions) | 7.2092% | 1,001 |
| Cash dividends to net income (ytd only)* | 72.2314% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1759% | 2,799 |
| Loan loss allowance to noncurrent loans | 182.0872% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4817% | 2,561 |
| Noncurrent loans to loans | 0.6458% | 2,378 |
| Net loans and leases to total assets | 71.1002% | 2,074 |
| Net loans and leases to deposits | 84.4003% | 2,182 |
| Net loans and leases to core deposits | 100.3806% | 1,443 |
| Total domestic deposits to total assets | 84.2416% | 2,696 |
| Equity capital to assets | 10.0329% | 3,751 |
| Core capital (leverage) ratio | 10.1648% | 3,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2402% | 2,182 |
| Memoranda: | ||
| Average total assets | $1,660,596,500 | 530 |
| Average earning assets | $1,583,279,000 | 516 |
| Average equity | $168,630,000 | 586 |
| Average total loans | $1,186,219,000 | 515 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 3,157 |
| Cost of funding earning assets | 1.1306% | 1,226 |
| Net interest margin | 3.3028% | 3,983 |
| Noninterest income to average assets | 0.4212% | 3,170 |
| Noninterest expense to average assets | 1.9154% | 4,643 |
| Loan and lease loss provision to assets | 0.1091% | 1,909 |
| Net operating income to assets | 1.5345% | 974 |
| Return on assets (ROA) | 1.5472% | 1,005 |
| Pretax return on assets | 1.5472% | 1,666 |
| Return on Equity (ROE) | 15.1110% | 671 |
| Retained earnings to average equity (ytd only) | 6.8472% | 1,454 |
| Net charge-offs to loans | 0.0551% | 2,312 |
| Credit loss provision to net charge-offs | 280.4560% | 1,001 |
| Earnings coverage of net charge-offs (x) | 42.2427% | 1,262 |
| Efficiency ratio | 53.8184% | 4,438 |
| Assets per employee ($millions) | 7.3263% | 923 |
| Cash dividends to net income (ytd only)* | 54.6877% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 2,589 |
| Loan loss allowance to noncurrent loans | 247.8901% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 3,007 |
| Noncurrent loans to loans | 0.4722% | 2,770 |
| Net loans and leases to total assets | 70.0919% | 2,383 |
| Net loans and leases to deposits | 83.5043% | 2,385 |
| Net loans and leases to core deposits | 98.5470% | 1,690 |
| Total domestic deposits to total assets | 83.9380% | 2,862 |
| Equity capital to assets | 10.2763% | 3,649 |
| Core capital (leverage) ratio | 10.0304% | 3,483 |
| Tier 1 risk-based capital ratio | 13.3082% | 3,628 |
| Total risk-based capital ratio | 14.4111% | 3,592 |
| Memoranda: | ||
| Average total assets | $1,578,062,800 | 533 |
| Average earning assets | $1,499,205,000 | 516 |
| Average equity | $161,570,800 | 580 |
| Average total loans | $1,114,277,600 | 520 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 3,212 |
| Cost of funding earning assets | 1.1490% | 1,177 |
| Net interest margin | 3.2990% | 4,090 |
| Noninterest income to average assets | 0.4176% | 3,217 |
| Noninterest expense to average assets | 1.9948% | 4,567 |
| Loan and lease loss provision to assets | 0.1099% | 1,770 |
| Net operating income to assets | 1.4467% | 1,338 |
| Return on assets (ROA) | 1.4575% | 1,361 |
| Pretax return on assets | 1.4575% | 2,086 |
| Return on Equity (ROE) | 14.2492% | 935 |
| Retained earnings to average equity (ytd only) | 6.1826% | 2,289 |
| Net charge-offs to loans | 0.0601% | 1,957 |
| Credit loss provision to net charge-offs | 259.1919% | 1,056 |
| Earnings coverage of net charge-offs (x) | 36.7174% | 1,441 |
| Efficiency ratio | 56.1700% | 4,154 |
| Assets per employee ($millions) | 6.9148% | 1,060 |
| Cash dividends to net income (ytd only)* | 56.6106% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 2,516 |
| Loan loss allowance to noncurrent loans | 318.7190% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2698% | 3,471 |
| Noncurrent loans to loans | 0.3761% | 3,211 |
| Net loans and leases to total assets | 68.6972% | 2,673 |
| Net loans and leases to deposits | 82.3307% | 2,644 |
| Net loans and leases to core deposits | 94.6843% | 2,111 |
| Total domestic deposits to total assets | 83.4405% | 3,012 |
| Equity capital to assets | 10.3371% | 3,685 |
| Core capital (leverage) ratio | 10.1160% | 3,515 |
| Tier 1 risk-based capital ratio | 13.3890% | 3,640 |
| Total risk-based capital ratio | 14.4973% | 3,620 |
| Memoranda: | ||
| Average total assets | $1,556,812,000 | 540 |
| Average earning assets | $1,478,839,000 | 522 |
| Average equity | $159,238,000 | 586 |
| Average total loans | $1,097,977,250 | 530 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4289% | 3,251 |
| Cost of funding earning assets | 1.1272% | 1,208 |
| Net interest margin | 3.3018% | 4,141 |
| Noninterest income to average assets | 0.4223% | 3,120 |
| Noninterest expense to average assets | 1.9986% | 4,603 |
| Loan and lease loss provision to assets | 0.1104% | 1,695 |
| Net operating income to assets | 1.4492% | 1,297 |
| Return on assets (ROA) | 1.4615% | 1,314 |
| Pretax return on assets | 1.4615% | 1,983 |
| Return on Equity (ROE) | 14.3418% | 908 |
| Retained earnings to average equity (ytd only) | 5.6399% | 2,456 |
| Net charge-offs to loans | 0.0459% | 1,997 |
| Credit loss provision to net charge-offs | 339.2000% | 824 |
| Earnings coverage of net charge-offs (x) | 47.9240% | 1,127 |
| Efficiency ratio | 56.1681% | 4,228 |
| Assets per employee ($millions) | 6.6704% | 1,150 |
| Cash dividends to net income (ytd only)* | 60.6752% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,498 |
| Loan loss allowance to noncurrent loans | 278.6628% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3211% | 3,250 |
| Noncurrent loans to loans | 0.4326% | 2,983 |
| Net loans and leases to total assets | 71.3302% | 2,318 |
| Net loans and leases to deposits | 85.9739% | 2,257 |
| Net loans and leases to core deposits | 98.7589% | 1,825 |
| Total domestic deposits to total assets | 82.9672% | 3,216 |
| Equity capital to assets | 10.7090% | 3,337 |
| Core capital (leverage) ratio | 10.3666% | 3,229 |
| Tier 1 risk-based capital ratio | 13.4205% | 3,622 |
| Total risk-based capital ratio | 14.5361% | 3,598 |
| Memoranda: | ||
| Average total assets | $1,536,394,330 | 547 |
| Average earning assets | $1,459,224,670 | 530 |
| Average equity | $156,563,670 | 592 |
| Average total loans | $1,088,953,000 | 534 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 3,450 |
| Cost of funding earning assets | 1.0901% | 1,218 |
| Net interest margin | 3.2429% | 4,295 |
| Noninterest income to average assets | 0.3933% | 3,228 |
| Noninterest expense to average assets | 1.9561% | 4,719 |
| Loan and lease loss provision to assets | 0.1085% | 1,639 |
| Net operating income to assets | 1.4117% | 1,346 |
| Return on assets (ROA) | 1.4255% | 1,333 |
| Pretax return on assets | 1.4255% | 2,000 |
| Return on Equity (ROE) | 14.3505% | 887 |
| Retained earnings to average equity (ytd only) | 3.3818% | 3,565 |
| Net charge-offs to loans | 0.0133% | 2,227 |
| Credit loss provision to net charge-offs | 1,161.1111% | 330 |
| Earnings coverage of net charge-offs (x) | 162.6667% | 470 |
| Efficiency ratio | 56.2691% | 4,297 |
| Assets per employee ($millions) | 6.9902% | 1,003 |
| Cash dividends to net income (ytd only)* | 76.4342% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,597 |
| Loan loss allowance to noncurrent loans | 213.2562% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.4076% | 2,956 |
| Noncurrent loans to loans | 0.5614% | 2,638 |
| Net loans and leases to total assets | 69.2390% | 2,591 |
| Net loans and leases to deposits | 83.1602% | 2,485 |
| Net loans and leases to core deposits | 95.5038% | 1,970 |
| Total domestic deposits to total assets | 83.2598% | 3,297 |
| Equity capital to assets | 9.9878% | 3,842 |
| Core capital (leverage) ratio | 10.3168% | 3,256 |
| Tier 1 risk-based capital ratio | 13.0999% | 3,827 |
| Total risk-based capital ratio | 14.1925% | 3,802 |
| Memoranda: | ||
| Average total assets | $1,540,825,500 | 542 |
| Average earning assets | $1,464,848,000 | 526 |
| Average equity | $153,054,000 | 601 |
| Average total loans | $1,081,986,500 | 538 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 3,382 |
| Cost of funding earning assets | 0.8463% | 1,326 |
| Net interest margin | 3.3745% | 4,064 |
| Noninterest income to average assets | 0.3805% | 3,551 |
| Noninterest expense to average assets | 1.8941% | 4,903 |
| Loan and lease loss provision to assets | 0.0640% | 2,878 |
| Net operating income to assets | 1.6318% | 808 |
| Return on assets (ROA) | 1.6320% | 801 |
| Pretax return on assets | 1.6320% | 1,371 |
| Return on Equity (ROE) | 16.5867% | 530 |
| Retained earnings to average equity (ytd only) | 6.4389% | 1,957 |
| Net charge-offs to loans | 0.0603% | 2,271 |
| Credit loss provision to net charge-offs | 152.2581% | 1,808 |
| Earnings coverage of net charge-offs (x) | 40.3452% | 1,295 |
| Efficiency ratio | 52.7619% | 4,736 |
| Assets per employee ($millions) | 6.8907% | 1,024 |
| Cash dividends to net income (ytd only)* | 61.1806% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 2,648 |
| Loan loss allowance to noncurrent loans | 197.4343% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4358% | 2,821 |
| Noncurrent loans to loans | 0.6001% | 2,481 |
| Net loans and leases to total assets | 69.5340% | 2,646 |
| Net loans and leases to deposits | 82.8600% | 2,634 |
| Net loans and leases to core deposits | 95.6294% | 2,090 |
| Total domestic deposits to total assets | 83.9174% | 3,022 |
| Equity capital to assets | 9.8774% | 3,783 |
| Core capital (leverage) ratio | 10.2761% | 3,278 |
| Tier 1 risk-based capital ratio | 13.4636% | 3,568 |
| Total risk-based capital ratio | 14.5628% | 3,539 |
| Memoranda: | ||
| Average total assets | $1,475,036,000 | 553 |
| Average earning assets | $1,402,861,200 | 531 |
| Average equity | $145,134,000 | 597 |
| Average total loans | $1,028,311,200 | 547 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 3,409 |
| Cost of funding earning assets | 0.7839% | 1,413 |
| Net interest margin | 3.3865% | 4,042 |
| Noninterest income to average assets | 0.3615% | 3,716 |
| Noninterest expense to average assets | 1.8815% | 4,934 |
| Loan and lease loss provision to assets | 0.0640% | 2,693 |
| Net operating income to assets | 1.6371% | 876 |
| Return on assets (ROA) | 1.6374% | 880 |
| Pretax return on assets | 1.6374% | 1,457 |
| Return on Equity (ROE) | 16.6582% | 592 |
| Retained earnings to average equity (ytd only) | 6.0030% | 2,655 |
| Net charge-offs to loans | 0.0273% | 2,561 |
| Credit loss provision to net charge-offs | 337.5000% | 931 |
| Earnings coverage of net charge-offs (x) | 89.7440% | 821 |
| Efficiency ratio | 52.5170% | 4,758 |
| Assets per employee ($millions) | 7.0338% | 921 |
| Cash dividends to net income (ytd only)* | 63.9637% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2245% | 2,485 |
| Loan loss allowance to noncurrent loans | 213.6311% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 3,093 |
| Noncurrent loans to loans | 0.5732% | 2,658 |
| Net loans and leases to total assets | 68.0015% | 2,939 |
| Net loans and leases to deposits | 80.3553% | 2,999 |
| Net loans and leases to core deposits | 93.6423% | 2,331 |
| Total domestic deposits to total assets | 84.6261% | 2,750 |
| Equity capital to assets | 9.5190% | 4,064 |
| Core capital (leverage) ratio | 10.2144% | 3,389 |
| Tier 1 risk-based capital ratio | 13.7095% | 3,505 |
| Total risk-based capital ratio | 14.8651% | 3,471 |
| Memoranda: | ||
| Average total assets | $1,463,085,750 | 551 |
| Average earning assets | $1,391,593,500 | 528 |
| Average equity | $143,813,250 | 598 |
| Average total loans | $1,017,492,500 | 550 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1422% | 3,306 |
| Cost of funding earning assets | 0.7446% | 1,398 |
| Net interest margin | 3.3976% | 3,960 |
| Noninterest income to average assets | 0.3632% | 3,725 |
| Noninterest expense to average assets | 1.8962% | 4,964 |
| Loan and lease loss provision to assets | 0.0641% | 2,621 |
| Net operating income to assets | 1.6345% | 834 |
| Return on assets (ROA) | 1.6343% | 842 |
| Pretax return on assets | 1.6343% | 1,391 |
| Return on Equity (ROE) | 16.4428% | 591 |
| Retained earnings to average equity (ytd only) | 4.8214% | 3,166 |
| Net charge-offs to loans | 0.0388% | 2,075 |
| Credit loss provision to net charge-offs | 236.9231% | 1,180 |
| Earnings coverage of net charge-offs (x) | 62.8051% | 967 |
| Efficiency ratio | 52.7489% | 4,808 |
| Assets per employee ($millions) | 6.8313% | 1,005 |
| Cash dividends to net income (ytd only)* | 70.6781% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,583 |
| Loan loss allowance to noncurrent loans | 210.9127% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 3,003 |
| Noncurrent loans to loans | 0.5803% | 2,683 |
| Net loans and leases to total assets | 70.4359% | 2,515 |
| Net loans and leases to deposits | 83.6495% | 2,574 |
| Net loans and leases to core deposits | 130.6399% | 321 |
| Total domestic deposits to total assets | 84.2036% | 2,991 |
| Equity capital to assets | 9.8971% | 3,723 |
| Core capital (leverage) ratio | 10.2781% | 3,257 |
| Tier 1 risk-based capital ratio | 13.4933% | 3,621 |
| Total risk-based capital ratio | 14.6331% | 3,604 |
| Memoranda: | ||
| Average total assets | $1,442,004,000 | 557 |
| Average earning assets | $1,371,554,330 | 534 |
| Average equity | $143,320,670 | 591 |
| Average total loans | $1,006,391,670 | 555 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 3,394 |
| Cost of funding earning assets | 0.6934% | 1,478 |
| Net interest margin | 3.3617% | 4,015 |
| Noninterest income to average assets | 0.3614% | 3,726 |
| Noninterest expense to average assets | 1.8854% | 5,042 |
| Loan and lease loss provision to assets | 0.0656% | 2,460 |
| Net operating income to assets | 1.6101% | 836 |
| Return on assets (ROA) | 1.6104% | 839 |
| Pretax return on assets | 1.6104% | 1,364 |
| Return on Equity (ROE) | 16.1687% | 592 |
| Retained earnings to average equity (ytd only) | 1.1862% | 4,577 |
| Net charge-offs to loans | 0.0149% | 2,225 |
| Credit loss provision to net charge-offs | 637.8378% | 499 |
| Earnings coverage of net charge-offs (x) | 162.9189% | 399 |
| Efficiency ratio | 52.9430% | 4,889 |
| Assets per employee ($millions) | 7.0746% | 931 |
| Cash dividends to net income (ytd only)* | 92.6636% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2590% | 2,464 |
| Loan loss allowance to noncurrent loans | 202.3825% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4366% | 3,094 |
| Noncurrent loans to loans | 0.6221% | 2,674 |
| Net loans and leases to total assets | 67.3300% | 2,847 |
| Net loans and leases to deposits | 79.5902% | 2,857 |
| Net loans and leases to core deposits | 114.1264% | 801 |
| Total domestic deposits to total assets | 84.5959% | 3,077 |
| Equity capital to assets | 9.6574% | 3,934 |
| Core capital (leverage) ratio | 10.2919% | 3,197 |
| Tier 1 risk-based capital ratio | 13.5795% | 3,614 |
| Total risk-based capital ratio | 14.7440% | 3,569 |
| Memoranda: | ||
| Average total assets | $1,438,884,000 | 558 |
| Average earning assets | $1,369,549,000 | 540 |
| Average equity | $143,314,000 | 595 |
| Average total loans | $993,226,000 | 562 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 3,236 |
| Cost of funding earning assets | 0.6110% | 1,529 |
| Net interest margin | 3.4421% | 3,713 |
| Noninterest income to average assets | 0.3927% | 3,687 |
| Noninterest expense to average assets | 1.8641% | 5,167 |
| Loan and lease loss provision to assets | 0.0737% | 2,735 |
| Net operating income to assets | 1.7237% | 503 |
| Return on assets (ROA) | 1.7330% | 501 |
| Pretax return on assets | 1.7330% | 929 |
| Return on Equity (ROE) | 17.2313% | 371 |
| Retained earnings to average equity (ytd only) | 7.2519% | 999 |
| Net charge-offs to loans | -0.0025% | 4,547 |
| Credit loss provision to net charge-offs | -4,300.0000% | 5,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9099% | 5,174 |
| Assets per employee ($millions) | 6.8277% | 1,048 |
| Cash dividends to net income (ytd only)* | 57.9147% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,455 |
| Loan loss allowance to noncurrent loans | 199.3073% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 3,057 |
| Noncurrent loans to loans | 0.6284% | 2,647 |
| Net loans and leases to total assets | 69.0214% | 2,682 |
| Net loans and leases to deposits | 82.5239% | 2,665 |
| Net loans and leases to core deposits | 120.7715% | 564 |
| Total domestic deposits to total assets | 83.6381% | 3,337 |
| Equity capital to assets | 10.2737% | 3,410 |
| Core capital (leverage) ratio | 10.0778% | 3,351 |
| Tier 1 risk-based capital ratio | 13.8330% | 3,455 |
| Total risk-based capital ratio | 15.0039% | 3,409 |
| Memoranda: | ||
| Average total assets | $1,400,205,200 | 550 |
| Average earning assets | $1,329,703,800 | 532 |
| Average equity | $140,819,200 | 576 |
| Average total loans | $965,596,000 | 558 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 3,296 |
| Cost of funding earning assets | 0.5816% | 1,662 |
| Net interest margin | 3.4334% | 3,726 |
| Noninterest income to average assets | 0.3988% | 3,693 |
| Noninterest expense to average assets | 1.8897% | 5,148 |
| Loan and lease loss provision to assets | 0.0794% | 2,493 |
| Net operating income to assets | 1.6867% | 594 |
| Return on assets (ROA) | 1.6989% | 594 |
| Pretax return on assets | 1.6989% | 1,129 |
| Return on Equity (ROE) | 16.9855% | 424 |
| Retained earnings to average equity (ytd only) | 6.8610% | 1,767 |
| Net charge-offs to loans | 0.0328% | 2,777 |
| Credit loss provision to net charge-offs | 352.5424% | 862 |
| Earnings coverage of net charge-offs (x) | 78.4065% | 822 |
| Efficiency ratio | 51.6905% | 5,128 |
| Assets per employee ($millions) | 7.1333% | 901 |
| Cash dividends to net income (ytd only)* | 59.6067% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,916 |
| Loan loss allowance to noncurrent loans | 224.0549% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3745% | 3,526 |
| Noncurrent loans to loans | 0.5372% | 3,092 |
| Net loans and leases to total assets | 66.5490% | 3,037 |
| Net loans and leases to deposits | 79.1661% | 3,050 |
| Net loans and leases to core deposits | 120.3092% | 581 |
| Total domestic deposits to total assets | 84.0625% | 3,100 |
| Equity capital to assets | 9.9116% | 4,026 |
| Core capital (leverage) ratio | 10.3567% | 3,131 |
| Tier 1 risk-based capital ratio | 13.5716% | 3,658 |
| Total risk-based capital ratio | 14.7010% | 3,650 |
| Memoranda: | ||
| Average total assets | $1,396,923,000 | 551 |
| Average earning assets | $1,325,186,500 | 534 |
| Average equity | $139,723,500 | 585 |
| Average total loans | $960,026,000 | 565 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 3,209 |
| Cost of funding earning assets | 0.5607% | 1,711 |
| Net interest margin | 3.4373% | 3,638 |
| Noninterest income to average assets | 0.4269% | 3,511 |
| Noninterest expense to average assets | 1.9395% | 5,106 |
| Loan and lease loss provision to assets | 0.0825% | 2,338 |
| Net operating income to assets | 1.6871% | 576 |
| Return on assets (ROA) | 1.7067% | 568 |
| Pretax return on assets | 1.7067% | 1,039 |
| Return on Equity (ROE) | 17.0077% | 407 |
| Retained earnings to average equity (ytd only) | 6.0995% | 2,059 |
| Net charge-offs to loans | 0.0486% | 2,247 |
| Credit loss provision to net charge-offs | 245.0216% | 1,098 |
| Earnings coverage of net charge-offs (x) | 52.5801% | 1,038 |
| Efficiency ratio | 52.2900% | 5,157 |
| Assets per employee ($millions) | 6.6540% | 1,068 |
| Cash dividends to net income (ytd only)* | 64.1369% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,960 |
| Loan loss allowance to noncurrent loans | 201.9761% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4367% | 3,369 |
| Noncurrent loans to loans | 0.5989% | 2,938 |
| Net loans and leases to total assets | 69.7575% | 2,558 |
| Net loans and leases to deposits | 83.9379% | 2,485 |
| Net loans and leases to core deposits | 117.4940% | 662 |
| Total domestic deposits to total assets | 83.1061% | 3,534 |
| Equity capital to assets | 10.4930% | 3,355 |
| Core capital (leverage) ratio | 10.2313% | 3,232 |
| Tier 1 risk-based capital ratio | 13.6067% | 3,633 |
| Total risk-based capital ratio | 14.7378% | 3,621 |
| Memoranda: | ||
| Average total assets | $1,372,745,000 | 557 |
| Average earning assets | $1,310,810,670 | 546 |
| Average equity | $137,749,000 | 590 |
| Average total loans | $950,094,000 | 569 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9258% | 3,299 |
| Cost of funding earning assets | 0.5415% | 1,770 |
| Net interest margin | 3.3843% | 3,697 |
| Noninterest income to average assets | 0.4200% | 3,519 |
| Noninterest expense to average assets | 1.9514% | 5,150 |
| Loan and lease loss provision to assets | 0.0837% | 2,145 |
| Net operating income to assets | 1.6162% | 655 |
| Return on assets (ROA) | 1.6165% | 673 |
| Pretax return on assets | 1.6165% | 1,193 |
| Return on Equity (ROE) | 16.4819% | 466 |
| Retained earnings to average equity (ytd only) | 2.8225% | 3,999 |
| Net charge-offs to loans | 0.0174% | 2,440 |
| Credit loss provision to net charge-offs | 702.4390% | 456 |
| Earnings coverage of net charge-offs (x) | 142.7317% | 383 |
| Efficiency ratio | 53.4447% | 5,172 |
| Assets per employee ($millions) | 6.6994% | 1,081 |
| Cash dividends to net income (ytd only)* | 82.8751% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 2,991 |
| Loan loss allowance to noncurrent loans | 190.0411% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.4502% | 3,391 |
| Noncurrent loans to loans | 0.6432% | 2,894 |
| Net loans and leases to total assets | 67.0619% | 2,807 |
| Net loans and leases to deposits | 80.3858% | 2,701 |
| Net loans and leases to core deposits | 112.0659% | 769 |
| Total domestic deposits to total assets | 83.4251% | 3,685 |
| Equity capital to assets | 9.7886% | 3,986 |
| Core capital (leverage) ratio | 9.9666% | 3,544 |
| Tier 1 risk-based capital ratio | 13.4918% | 3,782 |
| Total risk-based capital ratio | 14.6329% | 3,764 |
| Memoranda: | ||
| Average total assets | $1,377,079,500 | 561 |
| Average earning assets | $1,314,777,500 | 545 |
| Average equity | $135,057,000 | 600 |
| Average total loans | $943,542,500 | 576 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 2,762 |
| Cost of funding earning assets | 0.5423% | 1,773 |
| Net interest margin | 3.5804% | 3,135 |
| Noninterest income to average assets | 0.4562% | 3,503 |
| Noninterest expense to average assets | 1.9777% | 5,232 |
| Loan and lease loss provision to assets | 0.0512% | 3,363 |
| Net operating income to assets | 1.8374% | 412 |
| Return on assets (ROA) | 1.8704% | 406 |
| Pretax return on assets | 1.8704% | 663 |
| Return on Equity (ROE) | 17.7637% | 345 |
| Retained earnings to average equity (ytd only) | 6.9847% | 1,234 |
| Net charge-offs to loans | 0.1665% | 1,623 |
| Credit loss provision to net charge-offs | 43.6759% | 3,455 |
| Earnings coverage of net charge-offs (x) | 16.1067% | 2,139 |
| Efficiency ratio | 51.1518% | 5,428 |
| Assets per employee ($millions) | 6.6375% | 1,082 |
| Cash dividends to net income (ytd only)* | 60.6798% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 3,110 |
| Loan loss allowance to noncurrent loans | 206.2511% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 3,582 |
| Noncurrent loans to loans | 0.5831% | 3,102 |
| Net loans and leases to total assets | 68.3269% | 2,720 |
| Net loans and leases to deposits | 81.8838% | 2,686 |
| Net loans and leases to core deposits | 111.9531% | 785 |
| Total domestic deposits to total assets | 83.4436% | 3,617 |
| Equity capital to assets | 9.8268% | 3,912 |
| Core capital (leverage) ratio | 10.0297% | 3,449 |
| Tier 1 risk-based capital ratio | 13.5448% | 3,742 |
| Total risk-based capital ratio | 14.6738% | 3,720 |
| Memoranda: | ||
| Average total assets | $1,294,576,800 | 572 |
| Average earning assets | $1,233,035,800 | 551 |
| Average equity | $136,312,000 | 583 |
| Average total loans | $911,459,800 | 555 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 2,658 |
| Cost of funding earning assets | 0.5435% | 1,764 |
| Net interest margin | 3.6127% | 3,021 |
| Noninterest income to average assets | 0.4625% | 3,474 |
| Noninterest expense to average assets | 2.0128% | 5,177 |
| Loan and lease loss provision to assets | 0.0419% | 3,399 |
| Net operating income to assets | 1.8482% | 446 |
| Return on assets (ROA) | 1.9074% | 420 |
| Pretax return on assets | 1.9074% | 697 |
| Return on Equity (ROE) | 17.7992% | 374 |
| Retained earnings to average equity (ytd only) | 7.7236% | 1,297 |
| Net charge-offs to loans | 0.0316% | 3,018 |
| Credit loss provision to net charge-offs | 187.8505% | 1,497 |
| Earnings coverage of net charge-offs (x) | 84.6624% | 744 |
| Efficiency ratio | 51.5717% | 5,411 |
| Assets per employee ($millions) | 6.4013% | 1,174 |
| Cash dividends to net income (ytd only)* | 56.6069% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3232% | 2,561 |
| Loan loss allowance to noncurrent loans | 184.8086% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5445% | 3,283 |
| Noncurrent loans to loans | 0.7160% | 2,887 |
| Net loans and leases to total assets | 69.5592% | 2,559 |
| Net loans and leases to deposits | 84.9286% | 2,379 |
| Net loans and leases to core deposits | 116.5968% | 633 |
| Total domestic deposits to total assets | 81.9032% | 3,962 |
| Equity capital to assets | 10.6881% | 3,365 |
| Core capital (leverage) ratio | 10.2267% | 3,309 |
| Tier 1 risk-based capital ratio | 13.4748% | 3,875 |
| Total risk-based capital ratio | 14.7160% | 3,791 |
| Memoranda: | ||
| Average total assets | $1,278,048,000 | 577 |
| Average earning assets | $1,217,111,750 | 554 |
| Average equity | $136,961,750 | 579 |
| Average total loans | $904,066,000 | 556 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 2,602 |
| Cost of funding earning assets | 0.5431% | 1,758 |
| Net interest margin | 3.6280% | 2,984 |
| Noninterest income to average assets | 0.4610% | 3,454 |
| Noninterest expense to average assets | 2.0221% | 5,227 |
| Loan and lease loss provision to assets | 0.0585% | 2,973 |
| Net operating income to assets | 1.8348% | 450 |
| Return on assets (ROA) | 1.9227% | 401 |
| Pretax return on assets | 1.9227% | 667 |
| Return on Equity (ROE) | 17.9252% | 360 |
| Retained earnings to average equity (ytd only) | 7.0321% | 1,585 |
| Net charge-offs to loans | 0.0376% | 2,709 |
| Credit loss provision to net charge-offs | 219.6429% | 1,223 |
| Earnings coverage of net charge-offs (x) | 71.1310% | 766 |
| Efficiency ratio | 51.6449% | 5,465 |
| Assets per employee ($millions) | 6.3348% | 1,177 |
| Cash dividends to net income (ytd only)* | 60.7696% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,533 |
| Loan loss allowance to noncurrent loans | 167.2931% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 3,196 |
| Noncurrent loans to loans | 0.8069% | 2,733 |
| Net loans and leases to total assets | 69.9661% | 2,488 |
| Net loans and leases to deposits | 85.5509% | 2,301 |
| Net loans and leases to core deposits | 115.9466% | 640 |
| Total domestic deposits to total assets | 81.7830% | 4,064 |
| Equity capital to assets | 10.8648% | 3,215 |
| Core capital (leverage) ratio | 10.2862% | 3,218 |
| Tier 1 risk-based capital ratio | 13.4782% | 3,926 |
| Total risk-based capital ratio | 14.7285% | 3,831 |
| Memoranda: | ||
| Average total assets | $1,262,371,330 | 583 |
| Average earning assets | $1,201,937,670 | 561 |
| Average equity | $135,407,330 | 582 |
| Average total loans | $894,063,330 | 561 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1604% | 2,616 |
| Cost of funding earning assets | 0.5494% | 1,717 |
| Net interest margin | 3.6110% | 3,043 |
| Noninterest income to average assets | 0.4765% | 3,295 |
| Noninterest expense to average assets | 2.0410% | 5,244 |
| Loan and lease loss provision to assets | 0.0853% | 2,255 |
| Net operating income to assets | 1.7941% | 477 |
| Return on assets (ROA) | 1.9522% | 383 |
| Pretax return on assets | 1.9522% | 622 |
| Return on Equity (ROE) | 18.3224% | 332 |
| Retained earnings to average equity (ytd only) | 5.7573% | 2,495 |
| Net charge-offs to loans | 0.0104% | 2,774 |
| Credit loss provision to net charge-offs | 1,156.5217% | 339 |
| Earnings coverage of net charge-offs (x) | 254.8261% | 237 |
| Efficiency ratio | 52.0612% | 5,515 |
| Assets per employee ($millions) | 6.2417% | 1,249 |
| Cash dividends to net income (ytd only)* | 68.5775% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3830% | 2,503 |
| Loan loss allowance to noncurrent loans | 176.6254% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 3,274 |
| Noncurrent loans to loans | 0.7830% | 2,886 |
| Net loans and leases to total assets | 70.2126% | 2,307 |
| Net loans and leases to deposits | 85.6333% | 2,104 |
| Net loans and leases to core deposits | 114.3887% | 654 |
| Total domestic deposits to total assets | 81.9921% | 4,230 |
| Equity capital to assets | 10.6393% | 3,324 |
| Core capital (leverage) ratio | 10.2911% | 3,206 |
| Tier 1 risk-based capital ratio | 13.2447% | 4,121 |
| Total risk-based capital ratio | 14.4951% | 4,050 |
| Memoranda: | ||
| Average total assets | $1,247,409,500 | 585 |
| Average earning assets | $1,189,690,000 | 564 |
| Average equity | $132,908,500 | 595 |
| Average total loans | $882,824,500 | 569 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 2,655 |
| Cost of funding earning assets | 0.5487% | 1,773 |
| Net interest margin | 3.6228% | 3,047 |
| Noninterest income to average assets | 0.4865% | 3,424 |
| Noninterest expense to average assets | 2.1138% | 5,230 |
| Loan and lease loss provision to assets | 0.0061% | 4,274 |
| Net operating income to assets | 1.8249% | 466 |
| Return on assets (ROA) | 1.8581% | 450 |
| Pretax return on assets | 1.8581% | 713 |
| Return on Equity (ROE) | 17.4146% | 421 |
| Retained earnings to average equity (ytd only) | 7.6733% | 1,027 |
| Net charge-offs to loans | 0.1667% | 1,698 |
| Credit loss provision to net charge-offs | 5.2174% | 3,858 |
| Earnings coverage of net charge-offs (x) | 15.7783% | 2,181 |
| Efficiency ratio | 53.5844% | 5,547 |
| Assets per employee ($millions) | 6.1392% | 1,292 |
| Cash dividends to net income (ytd only)* | 55.9377% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 2,410 |
| Loan loss allowance to noncurrent loans | 177.5379% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 3,259 |
| Noncurrent loans to loans | 0.7899% | 2,814 |
| Net loans and leases to total assets | 69.3524% | 2,476 |
| Net loans and leases to deposits | 85.5193% | 2,186 |
| Net loans and leases to core deposits | 106.9059% | 1,052 |
| Total domestic deposits to total assets | 81.0956% | 4,452 |
| Equity capital to assets | 10.6705% | 3,167 |
| Core capital (leverage) ratio | 10.3661% | 3,089 |
| Tier 1 risk-based capital ratio | 13.4366% | 4,037 |
| Total risk-based capital ratio | 14.6871% | 3,980 |
| Memoranda: | ||
| Average total assets | $1,189,192,400 | 594 |
| Average earning assets | $1,135,212,600 | 568 |
| Average equity | $126,881,800 | 598 |
| Average total loans | $827,963,600 | 567 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 2,637 |
| Cost of funding earning assets | 0.5518% | 1,788 |
| Net interest margin | 3.6309% | 3,028 |
| Noninterest income to average assets | 0.5006% | 3,357 |
| Noninterest expense to average assets | 2.1546% | 5,156 |
| Loan and lease loss provision to assets | 0.0065% | 4,127 |
| Net operating income to assets | 1.8045% | 515 |
| Return on assets (ROA) | 1.8489% | 490 |
| Pretax return on assets | 1.8489% | 806 |
| Return on Equity (ROE) | 17.3287% | 446 |
| Retained earnings to average equity (ytd only) | 7.5266% | 1,431 |
| Net charge-offs to loans | 0.2321% | 1,136 |
| Credit loss provision to net charge-offs | 4.0028% | 3,496 |
| Earnings coverage of net charge-offs (x) | 11.2360% | 2,512 |
| Efficiency ratio | 54.3327% | 5,486 |
| Assets per employee ($millions) | 5.8336% | 1,480 |
| Cash dividends to net income (ytd only)* | 56.5656% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 2,337 |
| Loan loss allowance to noncurrent loans | 168.3530% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6564% | 3,284 |
| Noncurrent loans to loans | 0.8660% | 2,815 |
| Net loans and leases to total assets | 68.4603% | 2,610 |
| Net loans and leases to deposits | 84.0267% | 2,408 |
| Net loans and leases to core deposits | 112.2418% | 750 |
| Total domestic deposits to total assets | 81.4744% | 4,337 |
| Equity capital to assets | 10.7712% | 3,275 |
| Core capital (leverage) ratio | 10.2331% | 3,330 |
| Tier 1 risk-based capital ratio | 13.6497% | 4,051 |
| Total risk-based capital ratio | 14.9008% | 3,978 |
| Memoranda: | ||
| Average total assets | $1,177,993,750 | 603 |
| Average earning assets | $1,124,138,000 | 575 |
| Average equity | $125,684,000 | 608 |
| Average total loans | $817,961,750 | 572 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1899% | 2,577 |
| Cost of funding earning assets | 0.5497% | 1,818 |
| Net interest margin | 3.6402% | 2,943 |
| Noninterest income to average assets | 0.4945% | 3,417 |
| Noninterest expense to average assets | 2.1448% | 5,240 |
| Loan and lease loss provision to assets | 0.0056% | 3,989 |
| Net operating income to assets | 1.8143% | 498 |
| Return on assets (ROA) | 1.8812% | 460 |
| Pretax return on assets | 1.8812% | 762 |
| Return on Equity (ROE) | 17.6891% | 434 |
| Retained earnings to average equity (ytd only) | 7.4839% | 1,483 |
| Net charge-offs to loans | 0.1556% | 1,544 |
| Credit loss provision to net charge-offs | 5.2133% | 3,127 |
| Earnings coverage of net charge-offs (x) | 16.8483% | 1,885 |
| Efficiency ratio | 54.0974% | 5,579 |
| Assets per employee ($millions) | 5.8133% | 1,484 |
| Cash dividends to net income (ytd only)* | 57.6923% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 1,958 |
| Loan loss allowance to noncurrent loans | 174.2424% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 3,331 |
| Noncurrent loans to loans | 0.9094% | 2,851 |
| Net loans and leases to total assets | 67.7842% | 2,678 |
| Net loans and leases to deposits | 82.9273% | 2,442 |
| Net loans and leases to core deposits | 109.7086% | 849 |
| Total domestic deposits to total assets | 81.7392% | 4,372 |
| Equity capital to assets | 10.6016% | 3,318 |
| Core capital (leverage) ratio | 10.3834% | 3,102 |
| Tier 1 risk-based capital ratio | 13.7550% | 4,062 |
| Total risk-based capital ratio | 15.0076% | 3,999 |
| Memoranda: | ||
| Average total assets | $1,172,032,000 | 607 |
| Average earning assets | $1,117,303,670 | 576 |
| Average equity | $124,641,670 | 614 |
| Average total loans | $813,677,330 | 573 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 2,478 |
| Cost of funding earning assets | 0.5500% | 1,844 |
| Net interest margin | 3.6450% | 2,832 |
| Noninterest income to average assets | 0.4695% | 3,507 |
| Noninterest expense to average assets | 2.1767% | 5,211 |
| Loan and lease loss provision to assets | 0.0017% | 3,691 |
| Net operating income to assets | 1.7634% | 518 |
| Return on assets (ROA) | 1.7654% | 542 |
| Pretax return on assets | 1.7654% | 925 |
| Return on Equity (ROE) | 16.5746% | 511 |
| Retained earnings to average equity (ytd only) | 5.4113% | 2,827 |
| Net charge-offs to loans | 0.0781% | 1,921 |
| Credit loss provision to net charge-offs | 3.1447% | 2,474 |
| Earnings coverage of net charge-offs (x) | 32.4151% | 1,098 |
| Efficiency ratio | 55.2215% | 5,578 |
| Assets per employee ($millions) | 5.7558% | 1,582 |
| Cash dividends to net income (ytd only)* | 67.3521% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6446% | 1,904 |
| Loan loss allowance to noncurrent loans | 148.7111% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8212% | 3,045 |
| Noncurrent loans to loans | 1.1059% | 2,557 |
| Net loans and leases to total assets | 68.2083% | 2,406 |
| Net loans and leases to deposits | 83.2943% | 2,167 |
| Net loans and leases to core deposits | 109.5259% | 768 |
| Total domestic deposits to total assets | 81.8884% | 4,541 |
| Equity capital to assets | 10.7614% | 3,242 |
| Core capital (leverage) ratio | 10.1783% | 3,369 |
| Tier 1 risk-based capital ratio | 13.6463% | 4,253 |
| Total risk-based capital ratio | 14.8999% | 4,157 |
| Memoranda: | ||
| Average total assets | $1,167,993,500 | 604 |
| Average earning assets | $1,112,660,500 | 576 |
| Average equity | $124,407,000 | 615 |
| Average total loans | $814,112,500 | 568 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2851% | 2,662 |
| Cost of funding earning assets | 0.6233% | 1,583 |
| Net interest margin | 3.6617% | 3,167 |
| Noninterest income to average assets | 0.5110% | 3,421 |
| Noninterest expense to average assets | 2.1336% | 5,501 |
| Loan and lease loss provision to assets | 0.2421% | 969 |
| Net operating income to assets | 1.6217% | 680 |
| Return on assets (ROA) | 1.6275% | 701 |
| Pretax return on assets | 1.6275% | 1,157 |
| Return on Equity (ROE) | 16.1166% | 613 |
| Retained earnings to average equity (ytd only) | 7.3477% | 1,251 |
| Net charge-offs to loans | 0.3801% | 1,130 |
| Credit loss provision to net charge-offs | 91.5484% | 2,614 |
| Earnings coverage of net charge-offs (x) | 7.0479% | 3,095 |
| Efficiency ratio | 53.3754% | 5,893 |
| Assets per employee ($millions) | 5.6954% | 1,609 |
| Cash dividends to net income (ytd only)* | 54.4094% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6480% | 1,931 |
| Loan loss allowance to noncurrent loans | 142.8420% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8628% | 3,050 |
| Noncurrent loans to loans | 1.1538% | 2,533 |
| Net loans and leases to total assets | 68.9005% | 2,412 |
| Net loans and leases to deposits | 84.3001% | 2,176 |
| Net loans and leases to core deposits | 111.0659% | 730 |
| Total domestic deposits to total assets | 81.7324% | 4,510 |
| Equity capital to assets | 10.5412% | 3,427 |
| Core capital (leverage) ratio | 10.0536% | 3,496 |
| Tier 1 risk-based capital ratio | 13.5075% | 4,408 |
| Total risk-based capital ratio | 14.7614% | 4,345 |
| Memoranda: | ||
| Average total assets | $1,145,420,400 | 591 |
| Average earning assets | $1,090,578,400 | 564 |
| Average equity | $115,669,200 | 626 |
| Average total loans | $796,833,600 | 555 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 2,707 |
| Cost of funding earning assets | 0.6389% | 1,534 |
| Net interest margin | 3.6418% | 3,258 |
| Noninterest income to average assets | 0.5239% | 3,373 |
| Noninterest expense to average assets | 2.1301% | 5,508 |
| Loan and lease loss provision to assets | 0.2426% | 903 |
| Net operating income to assets | 1.6160% | 721 |
| Return on assets (ROA) | 1.6233% | 741 |
| Pretax return on assets | 1.6233% | 1,253 |
| Return on Equity (ROE) | 16.2572% | 648 |
| Retained earnings to average equity (ytd only) | 8.0360% | 1,342 |
| Net charge-offs to loans | 0.5653% | 665 |
| Credit loss provision to net charge-offs | 61.7998% | 2,912 |
| Earnings coverage of net charge-offs (x) | 4.7348% | 3,390 |
| Efficiency ratio | 53.4031% | 5,884 |
| Assets per employee ($millions) | 5.5641% | 1,668 |
| Cash dividends to net income (ytd only)* | 50.5692% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 2,555 |
| Loan loss allowance to noncurrent loans | 136.3477% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.9142% | 3,154 |
| Noncurrent loans to loans | 1.1283% | 2,804 |
| Net loans and leases to total assets | 69.2042% | 2,323 |
| Net loans and leases to deposits | 84.8522% | 2,051 |
| Net loans and leases to core deposits | 111.4905% | 681 |
| Total domestic deposits to total assets | 81.5586% | 4,642 |
| Equity capital to assets | 10.3485% | 3,737 |
| Core capital (leverage) ratio | 9.9776% | 3,713 |
| Tier 1 risk-based capital ratio | 13.4497% | 4,580 |
| Total risk-based capital ratio | 14.7022% | 4,517 |
| Memoranda: | ||
| Average total assets | $1,139,884,500 | 592 |
| Average earning assets | $1,084,485,500 | 564 |
| Average equity | $113,817,750 | 637 |
| Average total loans | $791,557,750 | 557 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 2,740 |
| Cost of funding earning assets | 0.6586% | 1,445 |
| Net interest margin | 3.6005% | 3,358 |
| Noninterest income to average assets | 0.5143% | 3,374 |
| Noninterest expense to average assets | 2.1310% | 5,559 |
| Loan and lease loss provision to assets | 0.2435% | 913 |
| Net operating income to assets | 1.5635% | 770 |
| Return on assets (ROA) | 1.5624% | 806 |
| Pretax return on assets | 1.5624% | 1,354 |
| Return on Equity (ROE) | 15.8427% | 671 |
| Retained earnings to average equity (ytd only) | 7.9606% | 1,343 |
| Net charge-offs to loans | 0.2851% | 1,397 |
| Credit loss provision to net charge-offs | 123.4821% | 1,685 |
| Earnings coverage of net charge-offs (x) | 9.1634% | 2,396 |
| Efficiency ratio | 54.1134% | 5,899 |
| Assets per employee ($millions) | 5.5768% | 1,627 |
| Cash dividends to net income (ytd only)* | 49.7521% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 1,960 |
| Loan loss allowance to noncurrent loans | 122.0914% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 2,718 |
| Noncurrent loans to loans | 1.4391% | 2,398 |
| Net loans and leases to total assets | 68.4654% | 2,332 |
| Net loans and leases to deposits | 84.3765% | 1,996 |
| Net loans and leases to core deposits | 111.7043% | 615 |
| Total domestic deposits to total assets | 81.1428% | 4,933 |
| Equity capital to assets | 10.2496% | 3,759 |
| Core capital (leverage) ratio | 9.9067% | 3,734 |
| Tier 1 risk-based capital ratio | 13.3499% | 4,691 |
| Total risk-based capital ratio | 14.6050% | 4,627 |
| Memoranda: | ||
| Average total assets | $1,135,919,670 | 592 |
| Average earning assets | $1,080,124,000 | 563 |
| Average equity | $112,026,330 | 642 |
| Average total loans | $785,565,670 | 556 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1976% | 2,885 |
| Cost of funding earning assets | 0.6622% | 1,497 |
| Net interest margin | 3.5354% | 3,543 |
| Noninterest income to average assets | 0.5317% | 3,180 |
| Noninterest expense to average assets | 2.1285% | 5,618 |
| Loan and lease loss provision to assets | 0.2413% | 909 |
| Net operating income to assets | 1.5212% | 778 |
| Return on assets (ROA) | 1.5212% | 816 |
| Pretax return on assets | 1.5212% | 1,369 |
| Return on Equity (ROE) | 15.7369% | 674 |
| Retained earnings to average equity (ytd only) | 6.1800% | 2,441 |
| Net charge-offs to loans | 0.2554% | 1,307 |
| Credit loss provision to net charge-offs | 137.1486% | 1,325 |
| Earnings coverage of net charge-offs (x) | 10.0181% | 1,894 |
| Efficiency ratio | 54.7031% | 5,952 |
| Assets per employee ($millions) | 5.5665% | 1,644 |
| Cash dividends to net income (ytd only)* | 60.7292% | 1,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,091 |
| Loan loss allowance to noncurrent loans | 108.4781% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 1.2733% | 2,736 |
| Noncurrent loans to loans | 1.6438% | 2,367 |
| Net loans and leases to total assets | 68.1908% | 2,188 |
| Net loans and leases to deposits | 84.1172% | 1,809 |
| Net loans and leases to core deposits | 106.6928% | 733 |
| Total domestic deposits to total assets | 81.0665% | 5,212 |
| Equity capital to assets | 9.9098% | 3,952 |
| Core capital (leverage) ratio | 9.8924% | 3,725 |
| Tier 1 risk-based capital ratio | 13.2555% | 4,860 |
| Total risk-based capital ratio | 14.5108% | 4,788 |
| Memoranda: | ||
| Average total assets | $1,132,255,000 | 596 |
| Average earning assets | $1,075,850,000 | 570 |
| Average equity | $109,450,000 | 658 |
| Average total loans | $779,984,000 | 559 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 2,496 |
| Cost of funding earning assets | 0.7339% | 1,605 |
| Net interest margin | 3.6898% | 3,100 |
| Noninterest income to average assets | 0.5301% | 3,550 |
| Noninterest expense to average assets | 2.2206% | 5,575 |
| Loan and lease loss provision to assets | 0.3384% | 946 |
| Net operating income to assets | 1.4630% | 892 |
| Return on assets (ROA) | 1.4650% | 934 |
| Pretax return on assets | 1.4650% | 1,567 |
| Return on Equity (ROE) | 14.7027% | 814 |
| Retained earnings to average equity (ytd only) | 6.8450% | 1,507 |
| Net charge-offs to loans | 0.6191% | 1,061 |
| Credit loss provision to net charge-offs | 77.7731% | 3,100 |
| Earnings coverage of net charge-offs (x) | 4.1404% | 3,662 |
| Efficiency ratio | 55.2128% | 6,028 |
| Assets per employee ($millions) | 5.6439% | 1,521 |
| Cash dividends to net income (ytd only)* | 53.4442% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7626% | 2,179 |
| Loan loss allowance to noncurrent loans | 106.3899% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.3580% | 2,714 |
| Noncurrent loans to loans | 1.6568% | 2,422 |
| Net loans and leases to total assets | 67.1490% | 2,492 |
| Net loans and leases to deposits | 81.3829% | 2,264 |
| Net loans and leases to core deposits | 102.0396% | 1,025 |
| Total domestic deposits to total assets | 82.5100% | 4,708 |
| Equity capital to assets | 9.4266% | 4,522 |
| Core capital (leverage) ratio | 9.6073% | 4,106 |
| Tier 1 risk-based capital ratio | 13.1755% | 4,870 |
| Total risk-based capital ratio | 14.4308% | 4,803 |
| Memoranda: | ||
| Average total assets | $1,092,039,000 | 604 |
| Average earning assets | $1,033,453,200 | 575 |
| Average equity | $108,809,600 | 646 |
| Average total loans | $767,410,400 | 548 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 2,362 |
| Cost of funding earning assets | 0.7454% | 1,636 |
| Net interest margin | 3.7207% | 2,951 |
| Noninterest income to average assets | 0.5892% | 3,225 |
| Noninterest expense to average assets | 2.2667% | 5,445 |
| Loan and lease loss provision to assets | 0.3416% | 951 |
| Net operating income to assets | 1.4987% | 901 |
| Return on assets (ROA) | 1.5013% | 939 |
| Pretax return on assets | 1.5013% | 1,605 |
| Return on Equity (ROE) | 14.8558% | 823 |
| Retained earnings to average equity (ytd only) | 6.9765% | 1,891 |
| Net charge-offs to loans | 0.5041% | 1,277 |
| Credit loss provision to net charge-offs | 95.7439% | 2,493 |
| Earnings coverage of net charge-offs (x) | 5.1581% | 3,268 |
| Efficiency ratio | 55.1912% | 6,006 |
| Assets per employee ($millions) | 5.4269% | 1,699 |
| Cash dividends to net income (ytd only)* | 53.0384% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,007 |
| Loan loss allowance to noncurrent loans | 148.4416% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 1.4245% | 2,819 |
| Noncurrent loans to loans | 1.2792% | 3,269 |
| Net loans and leases to total assets | 69.8223% | 2,001 |
| Net loans and leases to deposits | 85.8551% | 1,631 |
| Net loans and leases to core deposits | 109.6206% | 590 |
| Total domestic deposits to total assets | 81.3258% | 5,126 |
| Equity capital to assets | 9.7901% | 4,199 |
| Core capital (leverage) ratio | 9.9285% | 3,775 |
| Tier 1 risk-based capital ratio | 12.9062% | 5,190 |
| Total risk-based capital ratio | 14.1627% | 5,125 |
| Memoranda: | ||
| Average total assets | $1,080,031,250 | 612 |
| Average earning assets | $1,021,105,750 | 587 |
| Average equity | $109,144,500 | 653 |
| Average total loans | $764,442,500 | 550 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 2,354 |
| Cost of funding earning assets | 0.7565% | 1,664 |
| Net interest margin | 3.7009% | 2,954 |
| Noninterest income to average assets | 0.5997% | 3,193 |
| Noninterest expense to average assets | 2.2210% | 5,575 |
| Loan and lease loss provision to assets | 0.3413% | 986 |
| Net operating income to assets | 1.5375% | 837 |
| Return on assets (ROA) | 1.5414% | 898 |
| Pretax return on assets | 1.5414% | 1,506 |
| Return on Equity (ROE) | 15.0945% | 794 |
| Retained earnings to average equity (ytd only) | 6.7390% | 2,011 |
| Net charge-offs to loans | 0.5088% | 1,290 |
| Credit loss provision to net charge-offs | 94.9432% | 2,333 |
| Earnings coverage of net charge-offs (x) | 5.2265% | 2,941 |
| Efficiency ratio | 54.1736% | 6,137 |
| Assets per employee ($millions) | 5.5367% | 1,547 |
| Cash dividends to net income (ytd only)* | 55.3550% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 2,090 |
| Loan loss allowance to noncurrent loans | 157.0711% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 1.4084% | 2,992 |
| Noncurrent loans to loans | 1.2152% | 3,523 |
| Net loans and leases to total assets | 70.3020% | 1,832 |
| Net loans and leases to deposits | 88.6239% | 1,272 |
| Net loans and leases to core deposits | 111.1068% | 518 |
| Total domestic deposits to total assets | 79.3263% | 5,749 |
| Equity capital to assets | 10.0539% | 3,848 |
| Core capital (leverage) ratio | 9.7781% | 3,821 |
| Tier 1 risk-based capital ratio | 12.7412% | 5,336 |
| Total risk-based capital ratio | 13.9979% | 5,263 |
| Memoranda: | ||
| Average total assets | $1,078,247,000 | 614 |
| Average earning assets | $1,019,740,000 | 588 |
| Average equity | $110,106,000 | 647 |
| Average total loans | $761,753,670 | 549 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 2,378 |
| Cost of funding earning assets | 0.7658% | 1,741 |
| Net interest margin | 3.6770% | 2,962 |
| Noninterest income to average assets | 0.5802% | 3,249 |
| Noninterest expense to average assets | 2.1616% | 5,777 |
| Loan and lease loss provision to assets | 0.3373% | 995 |
| Net operating income to assets | 1.5588% | 758 |
| Return on assets (ROA) | 1.5666% | 814 |
| Pretax return on assets | 1.5666% | 1,389 |
| Return on Equity (ROE) | 15.2244% | 714 |
| Retained earnings to average equity (ytd only) | 4.6994% | 3,415 |
| Net charge-offs to loans | 0.4387% | 1,356 |
| Credit loss provision to net charge-offs | 109.6270% | 1,699 |
| Earnings coverage of net charge-offs (x) | 6.1625% | 2,264 |
| Efficiency ratio | 53.2713% | 6,277 |
| Assets per employee ($millions) | 5.6102% | 1,574 |
| Cash dividends to net income (ytd only)* | 69.1326% | 1,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 2,174 |
| Loan loss allowance to noncurrent loans | 134.8078% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 1.4336% | 3,112 |
| Noncurrent loans to loans | 1.4461% | 3,395 |
| Net loans and leases to total assets | 69.0837% | 1,830 |
| Net loans and leases to deposits | 84.1302% | 1,580 |
| Net loans and leases to core deposits | 104.9906% | 678 |
| Total domestic deposits to total assets | 82.1152% | 5,155 |
| Equity capital to assets | 10.2653% | 3,839 |
| Core capital (leverage) ratio | 9.4594% | 4,148 |
| Tier 1 risk-based capital ratio | 12.5635% | 5,544 |
| Total risk-based capital ratio | 13.8207% | 5,485 |
| Memoranda: | ||
| Average total assets | $1,080,315,000 | 619 |
| Average earning assets | $1,021,693,500 | 592 |
| Average equity | $111,164,000 | 659 |
| Average total loans | $757,722,500 | 551 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 2,827 |
| Cost of funding earning assets | 0.9504% | 1,642 |
| Net interest margin | 3.6943% | 3,673 |
| Noninterest income to average assets | 0.5892% | 3,342 |
| Noninterest expense to average assets | 2.1822% | 5,955 |
| Loan and lease loss provision to assets | 0.6473% | 829 |
| Net operating income to assets | 1.2520% | 1,445 |
| Return on assets (ROA) | 1.2849% | 1,499 |
| Pretax return on assets | 1.2849% | 2,468 |
| Return on Equity (ROE) | 12.9404% | 1,240 |
| Retained earnings to average equity (ytd only) | 7.9584% | 1,138 |
| Net charge-offs to loans | 0.6657% | 1,768 |
| Credit loss provision to net charge-offs | 139.2448% | 1,982 |
| Earnings coverage of net charge-offs (x) | 4.0856% | 3,488 |
| Efficiency ratio | 53.4657% | 6,325 |
| Assets per employee ($millions) | 5.6730% | 1,545 |
| Cash dividends to net income (ytd only)* | 38.5001% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 2,117 |
| Loan loss allowance to noncurrent loans | 180.6105% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 1.1979% | 3,661 |
| Noncurrent loans to loans | 1.0883% | 4,034 |
| Net loans and leases to total assets | 68.4471% | 2,111 |
| Net loans and leases to deposits | 84.9230% | 1,646 |
| Net loans and leases to core deposits | 104.9371% | 735 |
| Total domestic deposits to total assets | 80.5990% | 5,511 |
| Equity capital to assets | 10.3147% | 3,738 |
| Core capital (leverage) ratio | 9.4056% | 4,247 |
| Tier 1 risk-based capital ratio | 12.5644% | 5,429 |
| Total risk-based capital ratio | 13.8217% | 5,377 |
| Memoranda: | ||
| Average total assets | $1,071,017,800 | 613 |
| Average earning assets | $1,012,482,000 | 580 |
| Average equity | $106,341,000 | 669 |
| Average total loans | $747,981,000 | 548 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6710% | 2,922 |
| Cost of funding earning assets | 0.9880% | 1,636 |
| Net interest margin | 3.6830% | 3,865 |
| Noninterest income to average assets | 0.5999% | 3,272 |
| Noninterest expense to average assets | 2.1734% | 6,003 |
| Loan and lease loss provision to assets | 0.7111% | 710 |
| Net operating income to assets | 1.1969% | 1,756 |
| Return on assets (ROA) | 1.2383% | 1,780 |
| Pretax return on assets | 1.2383% | 2,830 |
| Return on Equity (ROE) | 12.5947% | 1,436 |
| Retained earnings to average equity (ytd only) | 8.1623% | 1,552 |
| Net charge-offs to loans | 0.7884% | 1,402 |
| Credit loss provision to net charge-offs | 129.1440% | 2,229 |
| Earnings coverage of net charge-offs (x) | 3.4651% | 3,633 |
| Efficiency ratio | 53.2521% | 6,324 |
| Assets per employee ($millions) | 5.5482% | 1,593 |
| Cash dividends to net income (ytd only)* | 35.1928% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9103% | 2,437 |
| Loan loss allowance to noncurrent loans | 137.0960% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 1.4629% | 3,407 |
| Noncurrent loans to loans | 1.3934% | 3,713 |
| Net loans and leases to total assets | 69.1643% | 2,075 |
| Net loans and leases to deposits | 84.8383% | 1,757 |
| Net loans and leases to core deposits | 105.6464% | 759 |
| Total domestic deposits to total assets | 81.5249% | 5,182 |
| Equity capital to assets | 10.5127% | 3,829 |
| Core capital (leverage) ratio | 9.3534% | 4,497 |
| Tier 1 risk-based capital ratio | 12.5337% | 5,612 |
| Total risk-based capital ratio | 13.7905% | 5,574 |
| Memoranda: | ||
| Average total assets | $1,069,305,250 | 616 |
| Average earning assets | $1,010,812,750 | 586 |
| Average equity | $105,131,500 | 675 |
| Average total loans | $746,836,000 | 546 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 3,030 |
| Cost of funding earning assets | 1.0227% | 1,630 |
| Net interest margin | 3.6506% | 4,034 |
| Noninterest income to average assets | 0.5975% | 3,273 |
| Noninterest expense to average assets | 2.1639% | 6,099 |
| Loan and lease loss provision to assets | 0.7199% | 738 |
| Net operating income to assets | 1.1626% | 1,845 |
| Return on assets (ROA) | 1.2206% | 1,834 |
| Pretax return on assets | 1.2206% | 2,835 |
| Return on Equity (ROE) | 12.7005% | 1,444 |
| Retained earnings to average equity (ytd only) | 8.0209% | 1,630 |
| Net charge-offs to loans | 0.7105% | 1,560 |
| Credit loss provision to net charge-offs | 145.5297% | 1,905 |
| Earnings coverage of net charge-offs (x) | 3.8054% | 3,261 |
| Efficiency ratio | 53.4766% | 6,371 |
| Assets per employee ($millions) | 5.4896% | 1,629 |
| Cash dividends to net income (ytd only)* | 36.8453% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8733% | 2,635 |
| Loan loss allowance to noncurrent loans | 122.6753% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 1.5615% | 3,363 |
| Noncurrent loans to loans | 1.5271% | 3,614 |
| Net loans and leases to total assets | 69.1044% | 2,089 |
| Net loans and leases to deposits | 85.1877% | 1,702 |
| Net loans and leases to core deposits | 104.2108% | 844 |
| Total domestic deposits to total assets | 81.1201% | 5,427 |
| Equity capital to assets | 10.0361% | 4,278 |
| Core capital (leverage) ratio | 8.9629% | 4,961 |
| Tier 1 risk-based capital ratio | 12.0850% | 5,869 |
| Total risk-based capital ratio | 13.3413% | 5,851 |
| Memoranda: | ||
| Average total assets | $1,076,201,330 | 613 |
| Average earning assets | $1,016,753,000 | 581 |
| Average equity | $103,429,330 | 686 |
| Average total loans | $749,316,670 | 545 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 3,128 |
| Cost of funding earning assets | 1.0653% | 1,591 |
| Net interest margin | 3.6153% | 4,200 |
| Noninterest income to average assets | 0.5849% | 3,325 |
| Noninterest expense to average assets | 2.0835% | 6,301 |
| Loan and lease loss provision to assets | 0.7602% | 665 |
| Net operating income to assets | 1.1544% | 1,867 |
| Return on assets (ROA) | 1.1558% | 2,043 |
| Pretax return on assets | 1.1558% | 3,087 |
| Return on Equity (ROE) | 12.2947% | 1,584 |
| Retained earnings to average equity (ytd only) | 7.4885% | 2,177 |
| Net charge-offs to loans | 1.0484% | 991 |
| Credit loss provision to net charge-offs | 104.7376% | 2,209 |
| Earnings coverage of net charge-offs (x) | 2.6378% | 3,123 |
| Efficiency ratio | 52.1132% | 6,533 |
| Assets per employee ($millions) | 5.5919% | 1,618 |
| Cash dividends to net income (ytd only)* | 39.0915% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 3,253 |
| Loan loss allowance to noncurrent loans | 99.3088% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 1.8313% | 3,137 |
| Noncurrent loans to loans | 1.7355% | 3,506 |
| Net loans and leases to total assets | 67.9686% | 2,127 |
| Net loans and leases to deposits | 82.4739% | 1,868 |
| Net loans and leases to core deposits | 100.0987% | 980 |
| Total domestic deposits to total assets | 82.4123% | 5,160 |
| Equity capital to assets | 9.4346% | 4,893 |
| Core capital (leverage) ratio | 8.6592% | 5,362 |
| Tier 1 risk-based capital ratio | 11.6613% | 6,183 |
| Total risk-based capital ratio | 12.9156% | 6,157 |
| Memoranda: | ||
| Average total assets | $1,081,808,500 | 612 |
| Average earning assets | $1,021,312,500 | 584 |
| Average equity | $101,702,500 | 700 |
| Average total loans | $748,973,500 | 541 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 3,815 |
| Cost of funding earning assets | 1.2402% | 1,783 |
| Net interest margin | 3.5591% | 4,899 |
| Noninterest income to average assets | 0.5941% | 3,198 |
| Noninterest expense to average assets | 2.1020% | 6,491 |
| Loan and lease loss provision to assets | 0.8008% | 1,227 |
| Net operating income to assets | 1.0604% | 1,959 |
| Return on assets (ROA) | 1.1126% | 1,903 |
| Pretax return on assets | 1.1126% | 2,788 |
| Return on Equity (ROE) | 12.6260% | 1,253 |
| Retained earnings to average equity (ytd only) | 9.0505% | 786 |
| Net charge-offs to loans | 1.1606% | 1,462 |
| Credit loss provision to net charge-offs | 99.2065% | 3,608 |
| Earnings coverage of net charge-offs (x) | 2.3056% | 4,067 |
| Efficiency ratio | 53.0375% | 6,610 |
| Assets per employee ($millions) | 5.6779% | 1,456 |
| Cash dividends to net income (ytd only)* | 28.3187% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 3,136 |
| Loan loss allowance to noncurrent loans | 123.6444% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 1.6404% | 3,496 |
| Noncurrent loans to loans | 1.3887% | 4,060 |
| Net loans and leases to total assets | 68.1167% | 2,377 |
| Net loans and leases to deposits | 84.2578% | 1,890 |
| Net loans and leases to core deposits | 104.6673% | 861 |
| Total domestic deposits to total assets | 80.8432% | 5,497 |
| Equity capital to assets | 9.3676% | 5,066 |
| Core capital (leverage) ratio | 8.6225% | 5,355 |
| Tier 1 risk-based capital ratio | 11.4353% | 6,199 |
| Total risk-based capital ratio | 12.6895% | 6,186 |
| Memoranda: | ||
| Average total assets | $1,061,624,200 | 621 |
| Average earning assets | $1,004,933,600 | 586 |
| Average equity | $93,553,200 | 731 |
| Average total loans | $738,434,000 | 556 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 3,936 |
| Cost of funding earning assets | 1.2828% | 1,798 |
| Net interest margin | 3.5387% | 5,027 |
| Noninterest income to average assets | 0.5828% | 3,276 |
| Noninterest expense to average assets | 2.0992% | 6,503 |
| Loan and lease loss provision to assets | 0.8431% | 1,086 |
| Net operating income to assets | 0.9919% | 2,360 |
| Return on assets (ROA) | 1.0548% | 2,260 |
| Pretax return on assets | 1.0548% | 3,190 |
| Return on Equity (ROE) | 12.1656% | 1,501 |
| Retained earnings to average equity (ytd only) | 8.8206% | 1,210 |
| Net charge-offs to loans | 1.1087% | 1,433 |
| Credit loss provision to net charge-offs | 109.2305% | 3,024 |
| Earnings coverage of net charge-offs (x) | 2.3774% | 3,936 |
| Efficiency ratio | 53.3575% | 6,558 |
| Assets per employee ($millions) | 5.6552% | 1,460 |
| Cash dividends to net income (ytd only)* | 27.4955% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 2,897 |
| Loan loss allowance to noncurrent loans | 85.7370% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 2.0558% | 3,067 |
| Noncurrent loans to loans | 2.1150% | 3,224 |
| Net loans and leases to total assets | 69.7202% | 2,135 |
| Net loans and leases to deposits | 85.8148% | 1,708 |
| Net loans and leases to core deposits | 109.0001% | 724 |
| Total domestic deposits to total assets | 81.2449% | 5,357 |
| Equity capital to assets | 9.4138% | 5,223 |
| Core capital (leverage) ratio | 8.5732% | 5,595 |
| Tier 1 risk-based capital ratio | 11.3250% | 6,344 |
| Total risk-based capital ratio | 12.5805% | 6,332 |
| Memoranda: | ||
| Average total assets | $1,057,331,250 | 629 |
| Average earning assets | $1,001,358,000 | 594 |
| Average equity | $91,677,250 | 744 |
| Average total loans | $736,123,000 | 565 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8181% | 4,015 |
| Cost of funding earning assets | 1.3266% | 1,785 |
| Net interest margin | 3.4914% | 5,197 |
| Noninterest income to average assets | 0.5817% | 3,251 |
| Noninterest expense to average assets | 2.0800% | 6,634 |
| Loan and lease loss provision to assets | 0.8364% | 1,084 |
| Net operating income to assets | 0.9741% | 2,336 |
| Return on assets (ROA) | 1.0627% | 2,086 |
| Pretax return on assets | 1.0627% | 3,001 |
| Return on Equity (ROE) | 12.6120% | 1,304 |
| Retained earnings to average equity (ytd only) | 9.1783% | 1,054 |
| Net charge-offs to loans | 1.1877% | 1,321 |
| Credit loss provision to net charge-offs | 101.8128% | 3,041 |
| Earnings coverage of net charge-offs (x) | 2.2040% | 3,733 |
| Efficiency ratio | 53.4641% | 6,672 |
| Assets per employee ($millions) | 5.5365% | 1,542 |
| Cash dividends to net income (ytd only)* | 27.2260% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 3,113 |
| Loan loss allowance to noncurrent loans | 98.0444% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 1.8463% | 3,442 |
| Noncurrent loans to loans | 1.7972% | 3,758 |
| Net loans and leases to total assets | 68.4585% | 2,522 |
| Net loans and leases to deposits | 84.6481% | 2,005 |
| Net loans and leases to core deposits | 108.4709% | 785 |
| Total domestic deposits to total assets | 80.8742% | 5,571 |
| Equity capital to assets | 8.9173% | 5,690 |
| Core capital (leverage) ratio | 8.2309% | 5,977 |
| Tier 1 risk-based capital ratio | 11.0187% | 6,515 |
| Total risk-based capital ratio | 12.2734% | 6,497 |
| Memoranda: | ||
| Average total assets | $1,061,038,000 | 635 |
| Average earning assets | $1,005,545,670 | 599 |
| Average equity | $89,407,000 | 756 |
| Average total loans | $733,867,000 | 578 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8086% | 4,020 |
| Cost of funding earning assets | 1.3766% | 1,732 |
| Net interest margin | 3.4320% | 5,295 |
| Noninterest income to average assets | 0.5585% | 3,444 |
| Noninterest expense to average assets | 2.0139% | 6,809 |
| Loan and lease loss provision to assets | 0.6805% | 1,250 |
| Net operating income to assets | 1.1182% | 1,772 |
| Return on assets (ROA) | 1.1185% | 1,824 |
| Pretax return on assets | 1.1185% | 2,686 |
| Return on Equity (ROE) | 13.6704% | 1,047 |
| Retained earnings to average equity (ytd only) | 10.1286% | 1,095 |
| Net charge-offs to loans | 0.9498% | 1,409 |
| Credit loss provision to net charge-offs | 103.9678% | 2,555 |
| Earnings coverage of net charge-offs (x) | 2.7481% | 2,984 |
| Efficiency ratio | 52.8233% | 6,796 |
| Assets per employee ($millions) | 5.5891% | 1,500 |
| Cash dividends to net income (ytd only)* | 25.9085% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 3,095 |
| Loan loss allowance to noncurrent loans | 111.3161% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 1.3257% | 4,315 |
| Noncurrent loans to loans | 1.5924% | 4,092 |
| Net loans and leases to total assets | 67.7087% | 2,614 |
| Net loans and leases to deposits | 81.8335% | 2,390 |
| Net loans and leases to core deposits | 106.1180% | 934 |
| Total domestic deposits to total assets | 82.7396% | 5,016 |
| Equity capital to assets | 8.4512% | 5,977 |
| Core capital (leverage) ratio | 8.0667% | 6,166 |
| Tier 1 risk-based capital ratio | 10.8317% | 6,623 |
| Total risk-based capital ratio | 12.0865% | 6,598 |
| Memoranda: | ||
| Average total assets | $1,062,823,500 | 636 |
| Average earning assets | $1,007,686,500 | 600 |
| Average equity | $86,961,500 | 766 |
| Average total loans | $732,345,000 | 583 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0705% | 4,233 |
| Cost of funding earning assets | 1.8238% | 1,082 |
| Net interest margin | 3.2467% | 6,148 |
| Noninterest income to average assets | 0.5151% | 4,057 |
| Noninterest expense to average assets | 1.9450% | 7,101 |
| Loan and lease loss provision to assets | 0.6982% | 2,348 |
| Net operating income to assets | 0.9439% | 2,222 |
| Return on assets (ROA) | 0.9509% | 2,324 |
| Pretax return on assets | 0.9509% | 3,102 |
| Return on Equity (ROE) | 11.2985% | 1,502 |
| Retained earnings to average equity (ytd only) | 6.5013% | 1,554 |
| Net charge-offs to loans | 0.5398% | 3,453 |
| Credit loss provision to net charge-offs | 180.4691% | 1,833 |
| Earnings coverage of net charge-offs (x) | 4.2445% | 3,003 |
| Efficiency ratio | 54.2212% | 6,784 |
| Assets per employee ($millions) | 5.6581% | 1,452 |
| Cash dividends to net income (ytd only)* | 42.4585% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 2,985 |
| Loan loss allowance to noncurrent loans | 90.3402% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 1.7878% | 3,640 |
| Noncurrent loans to loans | 1.9498% | 3,634 |
| Net loans and leases to total assets | 67.6674% | 3,063 |
| Net loans and leases to deposits | 81.9028% | 2,825 |
| Net loans and leases to core deposits | 103.5304% | 1,344 |
| Total domestic deposits to total assets | 82.6191% | 4,966 |
| Equity capital to assets | 7.9135% | 6,567 |
| Core capital (leverage) ratio | 7.9670% | 6,251 |
| Tier 1 risk-based capital ratio | 10.5201% | 6,686 |
| Total risk-based capital ratio | 11.7747% | 6,661 |
| Memoranda: | ||
| Average total assets | $1,013,730,000 | 660 |
| Average earning assets | $959,186,000 | 624 |
| Average equity | $85,321,200 | 780 |
| Average total loans | $726,526,200 | 601 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 4,197 |
| Cost of funding earning assets | 1.8937% | 1,047 |
| Net interest margin | 3.2312% | 6,244 |
| Noninterest income to average assets | 0.5171% | 4,049 |
| Noninterest expense to average assets | 1.9677% | 7,105 |
| Loan and lease loss provision to assets | 0.6807% | 2,240 |
| Net operating income to assets | 0.9259% | 2,512 |
| Return on assets (ROA) | 0.9320% | 2,617 |
| Pretax return on assets | 0.9320% | 3,441 |
| Return on Equity (ROE) | 10.9007% | 1,820 |
| Retained earnings to average equity (ytd only) | 6.3171% | 2,194 |
| Net charge-offs to loans | 0.6076% | 2,922 |
| Credit loss provision to net charge-offs | 154.7215% | 2,484 |
| Earnings coverage of net charge-offs (x) | 3.6516% | 3,354 |
| Efficiency ratio | 55.0501% | 6,674 |
| Assets per employee ($millions) | 5.6445% | 1,507 |
| Cash dividends to net income (ytd only)* | 42.0488% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 3,619 |
| Loan loss allowance to noncurrent loans | 106.1536% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 1.4188% | 4,324 |
| Noncurrent loans to loans | 1.4872% | 4,405 |
| Net loans and leases to total assets | 69.7561% | 2,794 |
| Net loans and leases to deposits | 86.0893% | 2,319 |
| Net loans and leases to core deposits | 111.1793% | 971 |
| Total domestic deposits to total assets | 81.0276% | 5,353 |
| Equity capital to assets | 8.7190% | 5,980 |
| Core capital (leverage) ratio | 8.0565% | 6,267 |
| Tier 1 risk-based capital ratio | 10.5372% | 6,750 |
| Total risk-based capital ratio | 11.7901% | 6,734 |
| Memoranda: | ||
| Average total assets | $1,001,231,250 | 659 |
| Average earning assets | $947,323,500 | 634 |
| Average equity | $85,607,000 | 774 |
| Average total loans | $724,982,500 | 602 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1317% | 4,288 |
| Cost of funding earning assets | 1.9330% | 1,099 |
| Net interest margin | 3.1988% | 6,324 |
| Noninterest income to average assets | 0.4983% | 4,133 |
| Noninterest expense to average assets | 1.9815% | 7,145 |
| Loan and lease loss provision to assets | 0.7337% | 1,978 |
| Net operating income to assets | 0.8090% | 2,927 |
| Return on assets (ROA) | 0.8178% | 3,037 |
| Pretax return on assets | 0.8178% | 3,822 |
| Return on Equity (ROE) | 9.6312% | 2,232 |
| Retained earnings to average equity (ytd only) | 4.8834% | 2,969 |
| Net charge-offs to loans | 0.6571% | 2,576 |
| Credit loss provision to net charge-offs | 153.0750% | 2,567 |
| Earnings coverage of net charge-offs (x) | 3.2186% | 3,405 |
| Efficiency ratio | 56.2271% | 6,611 |
| Assets per employee ($millions) | 5.3685% | 1,735 |
| Cash dividends to net income (ytd only)* | 49.2965% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5112% | 3,862 |
| Loan loss allowance to noncurrent loans | 144.9829% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.0705% | 4,990 |
| Noncurrent loans to loans | 1.0424% | 5,222 |
| Net loans and leases to total assets | 71.4741% | 2,541 |
| Net loans and leases to deposits | 88.8600% | 2,022 |
| Net loans and leases to core deposits | 115.1399% | 876 |
| Total domestic deposits to total assets | 80.4345% | 5,582 |
| Equity capital to assets | 8.5083% | 6,155 |
| Core capital (leverage) ratio | 8.0390% | 6,221 |
| Tier 1 risk-based capital ratio | 10.3090% | 6,831 |
| Total risk-based capital ratio | 11.5610% | 6,811 |
| Memoranda: | ||
| Average total assets | $990,660,670 | 666 |
| Average earning assets | $937,108,000 | 639 |
| Average equity | $84,122,000 | 779 |
| Average total loans | $722,610,330 | 607 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 4,385 |
| Cost of funding earning assets | 1.9668% | 1,191 |
| Net interest margin | 3.1652% | 6,404 |
| Noninterest income to average assets | 0.4711% | 4,288 |
| Noninterest expense to average assets | 1.9495% | 7,253 |
| Loan and lease loss provision to assets | 0.4870% | 2,552 |
| Net operating income to assets | 1.0268% | 2,082 |
| Return on assets (ROA) | 1.0276% | 2,140 |
| Pretax return on assets | 1.0276% | 2,978 |
| Return on Equity (ROE) | 12.1137% | 1,468 |
| Retained earnings to average equity (ytd only) | 6.7325% | 2,253 |
| Net charge-offs to loans | 0.4458% | 2,715 |
| Credit loss provision to net charge-offs | 149.3766% | 2,392 |
| Earnings coverage of net charge-offs (x) | 4.6434% | 2,583 |
| Efficiency ratio | 56.2911% | 6,728 |
| Assets per employee ($millions) | 5.4836% | 1,680 |
| Cash dividends to net income (ytd only)* | 44.4225% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 4,337 |
| Loan loss allowance to noncurrent loans | 163.4869% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 1.0383% | 5,071 |
| Noncurrent loans to loans | 0.8665% | 5,585 |
| Net loans and leases to total assets | 70.7489% | 2,748 |
| Net loans and leases to deposits | 88.7010% | 2,093 |
| Net loans and leases to core deposits | 114.6180% | 1,010 |
| Total domestic deposits to total assets | 79.7610% | 5,868 |
| Equity capital to assets | 8.4525% | 6,069 |
| Core capital (leverage) ratio | 8.0015% | 6,239 |
| Tier 1 risk-based capital ratio | 10.3391% | 6,769 |
| Total risk-based capital ratio | 11.5787% | 6,787 |
| Memoranda: | ||
| Average total assets | $984,040,000 | 691 |
| Average earning assets | $930,236,000 | 662 |
| Average equity | $83,475,500 | 793 |
| Average total loans | $719,645,500 | 628 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4521% | 4,427 |
| Cost of funding earning assets | 2.3160% | 1,592 |
| Net interest margin | 3.1361% | 6,265 |
| Noninterest income to average assets | 0.6185% | 3,502 |
| Noninterest expense to average assets | 2.0146% | 7,352 |
| Loan and lease loss provision to assets | 0.6573% | 3,182 |
| Net operating income to assets | 0.9104% | 2,144 |
| Return on assets (ROA) | 0.9885% | 1,927 |
| Pretax return on assets | 0.9885% | 2,627 |
| Return on Equity (ROE) | 11.8304% | 1,202 |
| Retained earnings to average equity (ytd only) | 6.6418% | 1,098 |
| Net charge-offs to loans | 0.4512% | 3,978 |
| Credit loss provision to net charge-offs | 191.8758% | 2,075 |
| Earnings coverage of net charge-offs (x) | 4.5765% | 2,899 |
| Efficiency ratio | 56.2374% | 6,982 |
| Assets per employee ($millions) | 5.5432% | 1,606 |
| Cash dividends to net income (ytd only)* | 43.8587% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3484% | 4,492 |
| Loan loss allowance to noncurrent loans | 124.3622% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.9661% | 5,175 |
| Noncurrent loans to loans | 1.0843% | 5,153 |
| Net loans and leases to total assets | 73.5323% | 2,374 |
| Net loans and leases to deposits | 92.8996% | 1,751 |
| Net loans and leases to core deposits | 138.8154% | 849 |
| Total domestic deposits to total assets | 79.1524% | 5,939 |
| Equity capital to assets | 8.5143% | 5,858 |
| Core capital (leverage) ratio | 8.2823% | 5,652 |
| Tier 1 risk-based capital ratio | 9.9578% | 6,909 |
| Total risk-based capital ratio | 11.1980% | 6,893 |
| Memoranda: | ||
| Average total assets | $930,677,600 | 723 |
| Average earning assets | $879,531,400 | 688 |
| Average equity | $77,765,600 | 829 |
| Average total loans | $706,530,200 | 658 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 4,529 |
| Cost of funding earning assets | 2.4139% | 1,580 |
| Net interest margin | 3.0643% | 6,421 |
| Noninterest income to average assets | 0.6181% | 3,564 |
| Noninterest expense to average assets | 2.0658% | 7,252 |
| Loan and lease loss provision to assets | 0.4982% | 3,407 |
| Net operating income to assets | 0.9513% | 2,231 |
| Return on assets (ROA) | 1.0567% | 1,938 |
| Pretax return on assets | 1.0567% | 2,715 |
| Return on Equity (ROE) | 12.7098% | 1,172 |
| Retained earnings to average equity (ytd only) | 7.6245% | 1,252 |
| Net charge-offs to loans | 0.4596% | 3,390 |
| Credit loss provision to net charge-offs | 142.1314% | 3,448 |
| Earnings coverage of net charge-offs (x) | 4.1351% | 3,247 |
| Efficiency ratio | 58.7651% | 6,600 |
| Assets per employee ($millions) | 5.2181% | 1,869 |
| Cash dividends to net income (ytd only)* | 40.0110% | 2,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,772 |
| Loan loss allowance to noncurrent loans | 81.2286% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 1.2178% | 4,634 |
| Noncurrent loans to loans | 1.3458% | 4,684 |
| Net loans and leases to total assets | 75.9537% | 2,000 |
| Net loans and leases to deposits | 97.2486% | 1,409 |
| Net loans and leases to core deposits | 138.5527% | 984 |
| Total domestic deposits to total assets | 78.1026% | 6,055 |
| Equity capital to assets | 8.8297% | 5,737 |
| Core capital (leverage) ratio | 8.3913% | 5,676 |
| Tier 1 risk-based capital ratio | 10.1136% | 6,866 |
| Total risk-based capital ratio | 11.1369% | 7,032 |
| Memoranda: | ||
| Average total assets | $920,831,000 | 746 |
| Average earning assets | $870,592,500 | 708 |
| Average equity | $76,558,500 | 855 |
| Average total loans | $702,397,750 | 680 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4730% | 4,765 |
| Cost of funding earning assets | 2.4909% | 1,647 |
| Net interest margin | 2.9822% | 6,604 |
| Noninterest income to average assets | 0.6026% | 3,672 |
| Noninterest expense to average assets | 2.0805% | 7,317 |
| Loan and lease loss provision to assets | 0.3704% | 3,703 |
| Net operating income to assets | 0.9720% | 2,199 |
| Return on assets (ROA) | 1.0901% | 1,883 |
| Pretax return on assets | 1.0901% | 2,670 |
| Return on Equity (ROE) | 13.3938% | 1,097 |
| Retained earnings to average equity (ytd only) | 7.4276% | 1,425 |
| Net charge-offs to loans | 0.4344% | 3,067 |
| Credit loss provision to net charge-offs | 112.0132% | 4,132 |
| Earnings coverage of net charge-offs (x) | 4.0601% | 3,232 |
| Efficiency ratio | 60.7817% | 6,432 |
| Assets per employee ($millions) | 5.2254% | 1,835 |
| Cash dividends to net income (ytd only)* | 44.5445% | 2,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 6,306 |
| Loan loss allowance to noncurrent loans | 89.4838% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.0176% | 4,938 |
| Noncurrent loans to loans | 1.1099% | 4,999 |
| Net loans and leases to total assets | 76.7820% | 1,996 |
| Net loans and leases to deposits | 97.6975% | 1,567 |
| Net loans and leases to core deposits | 131.5749% | 1,453 |
| Total domestic deposits to total assets | 78.5916% | 5,929 |
| Equity capital to assets | 8.3713% | 6,240 |
| Core capital (leverage) ratio | 8.3242% | 5,752 |
| Tier 1 risk-based capital ratio | 10.0191% | 6,896 |
| Total risk-based capital ratio | 10.9436% | 7,174 |
| Memoranda: | ||
| Average total assets | $916,425,330 | 768 |
| Average earning assets | $866,688,000 | 728 |
| Average equity | $74,586,670 | 892 |
| Average total loans | $697,435,330 | 703 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4711% | 5,060 |
| Cost of funding earning assets | 2.6050% | 1,548 |
| Net interest margin | 2.8661% | 6,844 |
| Noninterest income to average assets | 0.5709% | 3,752 |
| Noninterest expense to average assets | 1.9795% | 7,400 |
| Loan and lease loss provision to assets | 0.3283% | 3,353 |
| Net operating income to assets | 0.9743% | 2,424 |
| Return on assets (ROA) | 1.1500% | 1,926 |
| Pretax return on assets | 1.1500% | 2,802 |
| Return on Equity (ROE) | 14.3316% | 1,102 |
| Retained earnings to average equity (ytd only) | 7.0168% | 2,201 |
| Net charge-offs to loans | 0.4227% | 2,411 |
| Credit loss provision to net charge-offs | 103.0014% | 3,642 |
| Earnings coverage of net charge-offs (x) | 4.0873% | 2,982 |
| Efficiency ratio | 60.3126% | 6,351 |
| Assets per employee ($millions) | 5.2597% | 1,784 |
| Cash dividends to net income (ytd only)* | 51.0397% | 1,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9811% | 6,300 |
| Loan loss allowance to noncurrent loans | 79.6439% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 4,655 |
| Noncurrent loans to loans | 1.2319% | 4,505 |
| Net loans and leases to total assets | 75.0301% | 2,497 |
| Net loans and leases to deposits | 93.5494% | 2,352 |
| Net loans and leases to core deposits | 122.3035% | 2,232 |
| Total domestic deposits to total assets | 80.2037% | 5,284 |
| Equity capital to assets | 8.1301% | 6,625 |
| Core capital (leverage) ratio | 8.0915% | 6,307 |
| Tier 1 risk-based capital ratio | 9.8365% | 7,101 |
| Total risk-based capital ratio | 10.7411% | 7,381 |
| Memoranda: | ||
| Average total assets | $920,027,500 | 764 |
| Average earning assets | $870,325,000 | 729 |
| Average equity | $73,823,000 | 907 |
| Average total loans | $693,592,500 | 718 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2519% | 4,227 |
| Cost of funding earning assets | 3.1898% | 1,225 |
| Net interest margin | 3.0621% | 6,759 |
| Noninterest income to average assets | 0.6466% | 3,496 |
| Noninterest expense to average assets | 2.0144% | 7,413 |
| Loan and lease loss provision to assets | 0.3173% | 3,841 |
| Net operating income to assets | 1.1970% | 1,778 |
| Return on assets (ROA) | 1.2196% | 1,658 |
| Pretax return on assets | 1.2196% | 2,581 |
| Return on Equity (ROE) | 15.0046% | 923 |
| Retained earnings to average equity (ytd only) | 9.2469% | 568 |
| Net charge-offs to loans | 0.3311% | 3,186 |
| Credit loss provision to net charge-offs | 125.9106% | 4,241 |
| Earnings coverage of net charge-offs (x) | 6.0088% | 3,464 |
| Efficiency ratio | 57.0874% | 6,857 |
| Assets per employee ($millions) | 5.2250% | 1,708 |
| Cash dividends to net income (ytd only)* | 38.3729% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9889% | 6,151 |
| Loan loss allowance to noncurrent loans | 85.8095% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9457% | 4,460 |
| Noncurrent loans to loans | 1.1525% | 4,231 |
| Net loans and leases to total assets | 74.2609% | 3,040 |
| Net loans and leases to deposits | 95.0203% | 2,609 |
| Net loans and leases to core deposits | 123.4139% | 2,369 |
| Total domestic deposits to total assets | 78.1527% | 5,664 |
| Equity capital to assets | 7.9178% | 6,943 |
| Core capital (leverage) ratio | 8.1817% | 6,198 |
| Tier 1 risk-based capital ratio | 9.7561% | 7,010 |
| Total risk-based capital ratio | 10.6663% | 7,312 |
| Memoranda: | ||
| Average total assets | $860,683,600 | 791 |
| Average earning assets | $810,087,800 | 753 |
| Average equity | $69,958,600 | 955 |
| Average total loans | $655,094,600 | 725 |