Home > Whitaker Bank > Performance and Condition Ratios
Whitaker Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 3,794 |
| Cost of funding earning assets | 0.3590% | 4,330 |
| Net interest margin | 3.7472% | 1,656 |
| Noninterest income to average assets | 0.8000% | 935 |
| Noninterest expense to average assets | 2.6203% | 1,950 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 1.2992% | 1,438 |
| Return on assets (ROA) | 1.2607% | 1,488 |
| Pretax return on assets | 1.5988% | 1,229 |
| Return on Equity (ROE) | 13.2600% | 1,658 |
| Retained earnings to average equity (ytd only) | 6.7915% | 1,962 |
| Net charge-offs to loans | -0.1068% | 4,501 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.8422% | 2,849 |
| Assets per employee ($millions) | 5.8674% | 2,934 |
| Cash dividends to net income (ytd only)* | 48.7706% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 886 |
| Loan loss allowance to noncurrent loans | 934.0713% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1334% | 2,635 |
| Noncurrent loans to loans | 0.1686% | 2,678 |
| Net loans and leases to total assets | 49.7900% | 3,609 |
| Net loans and leases to deposits | 59.6603% | 3,545 |
| Net loans and leases to core deposits | 60.1033% | 3,760 |
| Total domestic deposits to total assets | 83.4500% | 2,763 |
| Equity capital to assets | 10.5288% | 1,710 |
| Core capital (leverage) ratio | 12.8141% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,951,766,000 | 585 |
| Average earning assets | $1,788,110,800 | 576 |
| Average equity | $185,598,400 | 571 |
| Average total loans | $927,125,200 | 772 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0133% | 3,823 |
| Cost of funding earning assets | 0.3105% | 4,349 |
| Net interest margin | 3.7028% | 1,771 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.6001% | 1,941 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.2506% | 1,648 |
| Return on assets (ROA) | 1.1994% | 1,791 |
| Pretax return on assets | 1.5073% | 1,541 |
| Return on Equity (ROE) | 12.9500% | 1,907 |
| Retained earnings to average equity (ytd only) | 6.3495% | 2,518 |
| Net charge-offs to loans | -0.1069% | 4,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.0261% | 2,715 |
| Assets per employee ($millions) | 5.8577% | 2,882 |
| Cash dividends to net income (ytd only)* | 50.9684% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6735% | 744 |
| Loan loss allowance to noncurrent loans | 490.9175% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 2,151 |
| Noncurrent loans to loans | 0.3409% | 2,009 |
| Net loans and leases to total assets | 49.0300% | 3,685 |
| Net loans and leases to deposits | 56.6563% | 3,677 |
| Net loans and leases to core deposits | 57.1356% | 3,811 |
| Total domestic deposits to total assets | 86.5400% | 2,028 |
| Equity capital to assets | 8.9782% | 2,433 |
| Core capital (leverage) ratio | 12.4241% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,962,982,250 | 584 |
| Average earning assets | $1,797,421,500 | 576 |
| Average equity | $181,804,750 | 578 |
| Average total loans | $917,765,000 | 783 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 3,882 |
| Cost of funding earning assets | 0.2716% | 4,352 |
| Net interest margin | 3.6218% | 1,986 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.5394% | 2,099 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.2323% | 1,743 |
| Return on assets (ROA) | 1.1946% | 1,834 |
| Pretax return on assets | 1.5055% | 1,592 |
| Return on Equity (ROE) | 12.7700% | 1,953 |
| Retained earnings to average equity (ytd only) | 6.3079% | 2,510 |
| Net charge-offs to loans | -0.0980% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 61.5892% | 2,762 |
| Assets per employee ($millions) | 5.8415% | 2,846 |
| Cash dividends to net income (ytd only)* | 50.6158% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 770 |
| Loan loss allowance to noncurrent loans | 392.0807% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 1,923 |
| Noncurrent loans to loans | 0.4305% | 1,644 |
| Net loans and leases to total assets | 46.2700% | 3,783 |
| Net loans and leases to deposits | 54.4817% | 3,723 |
| Net loans and leases to core deposits | 55.0435% | 3,845 |
| Total domestic deposits to total assets | 84.9200% | 2,565 |
| Equity capital to assets | 9.5101% | 2,155 |
| Core capital (leverage) ratio | 12.1094% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,984,674,000 | 563 |
| Average earning assets | $1,819,641,000 | 559 |
| Average equity | $185,607,333 | 561 |
| Average total loans | $908,236,000 | 777 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7890% | 3,876 |
| Cost of funding earning assets | 0.2489% | 4,295 |
| Net interest margin | 3.5401% | 2,261 |
| Noninterest income to average assets | 0.7400% | 989 |
| Noninterest expense to average assets | 2.4942% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1885% | 1,961 |
| Return on assets (ROA) | 1.1132% | 2,148 |
| Pretax return on assets | 1.3950% | 1,894 |
| Return on Equity (ROE) | 12.0000% | 2,218 |
| Retained earnings to average equity (ytd only) | 5.5287% | 2,879 |
| Net charge-offs to loans | -0.1619% | 4,572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.6168% | 2,621 |
| Assets per employee ($millions) | 6.0324% | 2,731 |
| Cash dividends to net income (ytd only)* | 53.9374% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6857% | 842 |
| Loan loss allowance to noncurrent loans | 274.7464% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 1,370 |
| Noncurrent loans to loans | 0.6135% | 1,218 |
| Net loans and leases to total assets | 44.7000% | 3,836 |
| Net loans and leases to deposits | 52.5238% | 3,761 |
| Net loans and leases to core deposits | 53.1502% | 3,864 |
| Total domestic deposits to total assets | 85.1100% | 2,832 |
| Equity capital to assets | 9.7342% | 1,974 |
| Core capital (leverage) ratio | 11.8132% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,998,568,000 | 578 |
| Average earning assets | $1,830,436,500 | 569 |
| Average equity | $185,360,500 | 568 |
| Average total loans | $901,877,000 | 793 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1939% | 3,824 |
| Cost of funding earning assets | 0.1247% | 4,256 |
| Net interest margin | 3.0692% | 3,266 |
| Noninterest income to average assets | 0.7400% | 1,154 |
| Noninterest expense to average assets | 2.3490% | 2,585 |
| Loan and lease loss provision to assets | -0.1000% | 4,534 |
| Net operating income to assets | 1.0775% | 2,271 |
| Return on assets (ROA) | 1.0702% | 2,239 |
| Pretax return on assets | 1.3409% | 1,954 |
| Return on Equity (ROE) | 10.9300% | 2,497 |
| Retained earnings to average equity (ytd only) | 4.9523% | 3,073 |
| Net charge-offs to loans | -0.1723% | 4,613 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.2238% | 2,332 |
| Assets per employee ($millions) | 6.3476% | 2,468 |
| Cash dividends to net income (ytd only)* | 54.6946% | 1,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 886 |
| Loan loss allowance to noncurrent loans | 248.3500% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 1,293 |
| Noncurrent loans to loans | 0.6637% | 1,121 |
| Net loans and leases to total assets | 44.0500% | 3,892 |
| Net loans and leases to deposits | 51.6578% | 3,825 |
| Net loans and leases to core deposits | 52.3730% | 3,895 |
| Total domestic deposits to total assets | 85.2700% | 2,916 |
| Equity capital to assets | 8.8242% | 2,469 |
| Core capital (leverage) ratio | 11.5683% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,050,045,800 | 535 |
| Average earning assets | $1,911,982,000 | 523 |
| Average equity | $200,714,600 | 524 |
| Average total loans | $872,729,600 | 766 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0495% | 3,793 |
| Cost of funding earning assets | 0.1204% | 4,121 |
| Net interest margin | 2.9290% | 3,412 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.3702% | 2,416 |
| Loan and lease loss provision to assets | -0.1300% | 4,615 |
| Net operating income to assets | 0.9894% | 2,508 |
| Return on assets (ROA) | 0.9806% | 2,522 |
| Pretax return on assets | 1.2353% | 2,244 |
| Return on Equity (ROE) | 9.7800% | 2,795 |
| Retained earnings to average equity (ytd only) | 3.9644% | 3,455 |
| Net charge-offs to loans | -0.2257% | 4,657 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.9722% | 2,034 |
| Assets per employee ($millions) | 6.4390% | 2,371 |
| Cash dividends to net income (ytd only)* | 59.4609% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 885 |
| Loan loss allowance to noncurrent loans | 191.2730% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 1,037 |
| Noncurrent loans to loans | 0.8862% | 887 |
| Net loans and leases to total assets | 42.3500% | 3,971 |
| Net loans and leases to deposits | 48.9056% | 3,916 |
| Net loans and leases to core deposits | 49.6888% | 3,973 |
| Total domestic deposits to total assets | 86.6000% | 2,886 |
| Equity capital to assets | 7.9446% | 2,934 |
| Core capital (leverage) ratio | 11.2948% | 1,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,057,926,000 | 533 |
| Average earning assets | $1,927,415,250 | 522 |
| Average equity | $206,363,500 | 514 |
| Average total loans | $864,896,500 | 768 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8491% | 3,893 |
| Cost of funding earning assets | 0.1098% | 4,084 |
| Net interest margin | 2.7393% | 3,612 |
| Noninterest income to average assets | 0.7572% | 1,155 |
| Noninterest expense to average assets | 2.3215% | 2,489 |
| Loan and lease loss provision to assets | -0.1936% | 4,676 |
| Net operating income to assets | 0.9545% | 2,339 |
| Return on assets (ROA) | 0.9435% | 2,359 |
| Pretax return on assets | 1.1924% | 2,102 |
| Return on Equity (ROE) | 8.8083% | 2,753 |
| Retained earnings to average equity (ytd only) | 3.3850% | 3,318 |
| Net charge-offs to loans | -0.2539% | 4,628 |
| Credit loss provision to net charge-offs | 182.9826% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6297% | 2,013 |
| Assets per employee ($millions) | 6.4607% | 2,340 |
| Cash dividends to net income (ytd only)* | 61.5700% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 1,047 |
| Loan loss allowance to noncurrent loans | 155.4387% | 2,967 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 948 |
| Noncurrent loans to loans | 1.0629% | 780 |
| Net loans and leases to total assets | 41.9831% | 3,974 |
| Net loans and leases to deposits | 48.9037% | 3,868 |
| Net loans and leases to core deposits | 49.7541% | 3,947 |
| Total domestic deposits to total assets | 85.8485% | 3,284 |
| Equity capital to assets | 9.1823% | 2,248 |
| Core capital (leverage) ratio | 11.2201% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,065,655,333 | 531 |
| Average earning assets | $1,943,140,000 | 522 |
| Average equity | $221,267,333 | 489 |
| Average total loans | $860,990,000 | 763 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6923% | 3,964 |
| Cost of funding earning assets | 0.1073% | 4,050 |
| Net interest margin | 2.5850% | 3,696 |
| Noninterest income to average assets | 0.7153% | 1,265 |
| Noninterest expense to average assets | 2.3142% | 2,447 |
| Loan and lease loss provision to assets | -0.1931% | 4,683 |
| Net operating income to assets | 0.8134% | 2,623 |
| Return on assets (ROA) | 0.8017% | 2,646 |
| Pretax return on assets | 1.0179% | 2,385 |
| Return on Equity (ROE) | 6.9889% | 3,043 |
| Retained earnings to average equity (ytd only) | 1.9379% | 3,562 |
| Net charge-offs to loans | -0.3039% | 4,661 |
| Credit loss provision to net charge-offs | 154.3210% | 855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3758% | 1,811 |
| Assets per employee ($millions) | 6.8390% | 2,111 |
| Cash dividends to net income (ytd only)* | 72.2717% | 823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7687% | 929 |
| Loan loss allowance to noncurrent loans | 156.7573% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 915 |
| Noncurrent loans to loans | 1.1283% | 790 |
| Net loans and leases to total assets | 40.1874% | 3,998 |
| Net loans and leases to deposits | 47.6415% | 3,895 |
| Net loans and leases to core deposits | 48.4740% | 3,963 |
| Total domestic deposits to total assets | 84.3539% | 3,690 |
| Equity capital to assets | 10.6256% | 1,535 |
| Core capital (leverage) ratio | 11.3171% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,071,226,000 | 532 |
| Average earning assets | $1,953,852,000 | 521 |
| Average equity | $237,575,500 | 469 |
| Average total loans | $852,965,500 | 759 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9806% | 3,904 |
| Cost of funding earning assets | 0.1330% | 4,129 |
| Net interest margin | 2.8475% | 3,565 |
| Noninterest income to average assets | 0.7203% | 1,689 |
| Noninterest expense to average assets | 2.5081% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7240% | 3,558 |
| Return on assets (ROA) | 0.7450% | 3,568 |
| Pretax return on assets | 0.9259% | 3,436 |
| Return on Equity (ROE) | 5.7650% | 3,827 |
| Retained earnings to average equity (ytd only) | 1.1230% | 4,226 |
| Net charge-offs to loans | 0.0305% | 1,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 66.9108% | 1,110 |
| Efficiency ratio | 73.5984% | 1,353 |
| Assets per employee ($millions) | 6.5923% | 2,246 |
| Cash dividends to net income (ytd only)* | 80.5207% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8000% | 864 |
| Loan loss allowance to noncurrent loans | 134.3426% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.8001% | 751 |
| Noncurrent loans to loans | 1.3399% | 700 |
| Net loans and leases to total assets | 40.7082% | 4,048 |
| Net loans and leases to deposits | 49.2397% | 3,930 |
| Net loans and leases to core deposits | 50.0472% | 4,014 |
| Total domestic deposits to total assets | 82.6735% | 3,865 |
| Equity capital to assets | 12.3214% | 1,121 |
| Core capital (leverage) ratio | 11.3357% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,000,491,200 | 529 |
| Average earning assets | $1,888,137,600 | 522 |
| Average equity | $258,506,200 | 431 |
| Average total loans | $882,783,000 | 738 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0867% | 3,843 |
| Cost of funding earning assets | 0.1374% | 4,212 |
| Net interest margin | 2.9493% | 3,441 |
| Noninterest income to average assets | 0.7121% | 1,785 |
| Noninterest expense to average assets | 2.4669% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8174% | 3,480 |
| Return on assets (ROA) | 0.8458% | 3,461 |
| Pretax return on assets | 1.0657% | 3,283 |
| Return on Equity (ROE) | 6.4674% | 3,806 |
| Retained earnings to average equity (ytd only) | 1.8445% | 4,235 |
| Net charge-offs to loans | 0.0270% | 1,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 85.1556% | 947 |
| Efficiency ratio | 70.5514% | 1,544 |
| Assets per employee ($millions) | 6.5089% | 2,235 |
| Cash dividends to net income (ytd only)* | 71.4796% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8245% | 889 |
| Loan loss allowance to noncurrent loans | 103.7449% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.9790% | 686 |
| Noncurrent loans to loans | 1.7587% | 559 |
| Net loans and leases to total assets | 40.3849% | 4,189 |
| Net loans and leases to deposits | 49.3178% | 4,041 |
| Net loans and leases to core deposits | 50.1366% | 4,125 |
| Total domestic deposits to total assets | 81.8872% | 3,948 |
| Equity capital to assets | 12.6146% | 1,129 |
| Core capital (leverage) ratio | 11.4181% | 1,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,984,763,750 | 536 |
| Average earning assets | $1,873,816,750 | 528 |
| Average equity | $259,572,750 | 435 |
| Average total loans | $889,636,250 | 746 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 3,479 |
| Cost of funding earning assets | 0.1448% | 4,254 |
| Net interest margin | 3.1359% | 2,939 |
| Noninterest income to average assets | 0.6614% | 1,965 |
| Noninterest expense to average assets | 2.5112% | 2,106 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8870% | 3,260 |
| Return on assets (ROA) | 0.9253% | 3,224 |
| Pretax return on assets | 1.1568% | 3,039 |
| Return on Equity (ROE) | 6.9878% | 3,662 |
| Retained earnings to average equity (ytd only) | 2.3606% | 4,029 |
| Net charge-offs to loans | 0.0864% | 818 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 27.8462% | 1,351 |
| Efficiency ratio | 69.3670% | 1,718 |
| Assets per employee ($millions) | 6.3670% | 2,264 |
| Cash dividends to net income (ytd only)* | 66.2179% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 1,017 |
| Loan loss allowance to noncurrent loans | 80.7314% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 581 |
| Noncurrent loans to loans | 2.1320% | 434 |
| Net loans and leases to total assets | 42.5452% | 4,144 |
| Net loans and leases to deposits | 51.7630% | 4,010 |
| Net loans and leases to core deposits | 52.6036% | 4,102 |
| Total domestic deposits to total assets | 82.1922% | 3,888 |
| Equity capital to assets | 12.6206% | 1,079 |
| Core capital (leverage) ratio | 11.4807% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,958,574,667 | 539 |
| Average earning assets | $1,847,973,000 | 530 |
| Average equity | $259,337,000 | 436 |
| Average total loans | $903,261,333 | 741 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3881% | 3,228 |
| Cost of funding earning assets | 0.1554% | 4,270 |
| Net interest margin | 3.2327% | 2,595 |
| Noninterest income to average assets | 0.6470% | 2,038 |
| Noninterest expense to average assets | 2.5021% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9543% | 2,956 |
| Return on assets (ROA) | 0.9730% | 2,987 |
| Pretax return on assets | 1.2135% | 2,812 |
| Return on Equity (ROE) | 7.1686% | 3,561 |
| Retained earnings to average equity (ytd only) | 2.5467% | 3,902 |
| Net charge-offs to loans | 0.5273% | 154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.7386% | 1,711 |
| Efficiency ratio | 67.7673% | 1,962 |
| Assets per employee ($millions) | 6.2481% | 2,371 |
| Cash dividends to net income (ytd only)* | 64.4745% | 805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,313 |
| Loan loss allowance to noncurrent loans | 67.9172% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.3610% | 504 |
| Noncurrent loans to loans | 2.3478% | 411 |
| Net loans and leases to total assets | 44.6483% | 4,074 |
| Net loans and leases to deposits | 54.7758% | 3,889 |
| Net loans and leases to core deposits | 55.7159% | 3,991 |
| Total domestic deposits to total assets | 81.5109% | 3,986 |
| Equity capital to assets | 12.8354% | 963 |
| Core capital (leverage) ratio | 12.2590% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,912,771,500 | 550 |
| Average earning assets | $1,801,831,000 | 541 |
| Average equity | $259,632,500 | 431 |
| Average total loans | $911,127,500 | 730 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6256% | 3,748 |
| Cost of funding earning assets | 0.2026% | 4,579 |
| Net interest margin | 3.4230% | 2,700 |
| Noninterest income to average assets | 0.7737% | 1,614 |
| Noninterest expense to average assets | 2.8673% | 1,765 |
| Loan and lease loss provision to assets | 0.1585% | 2,391 |
| Net operating income to assets | 0.8177% | 3,024 |
| Return on assets (ROA) | 0.8193% | 3,141 |
| Pretax return on assets | 0.9443% | 3,240 |
| Return on Equity (ROE) | 5.3814% | 3,785 |
| Retained earnings to average equity (ytd only) | 1.1386% | 4,174 |
| Net charge-offs to loans | -0.0382% | 4,610 |
| Credit loss provision to net charge-offs | -782.6087% | 4,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2526% | 1,653 |
| Assets per employee ($millions) | 5.6889% | 2,637 |
| Cash dividends to net income (ytd only)* | 78.8417% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,015 |
| Loan loss allowance to noncurrent loans | 77.4931% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.4630% | 508 |
| Noncurrent loans to loans | 2.2092% | 488 |
| Net loans and leases to total assets | 49.2528% | 3,884 |
| Net loans and leases to deposits | 61.9507% | 3,607 |
| Net loans and leases to core deposits | 63.1474% | 3,761 |
| Total domestic deposits to total assets | 79.5032% | 4,140 |
| Equity capital to assets | 14.3819% | 706 |
| Core capital (leverage) ratio | 12.9214% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,702,982,800 | 556 |
| Average earning assets | $1,589,398,400 | 546 |
| Average equity | $259,264,600 | 410 |
| Average total loans | $904,144,800 | 710 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 3,710 |
| Cost of funding earning assets | 0.2073% | 4,644 |
| Net interest margin | 3.5281% | 2,490 |
| Noninterest income to average assets | 0.8415% | 1,373 |
| Noninterest expense to average assets | 3.0839% | 1,261 |
| Loan and lease loss provision to assets | 0.1296% | 2,724 |
| Net operating income to assets | 0.8137% | 3,040 |
| Return on assets (ROA) | 0.8139% | 3,161 |
| Pretax return on assets | 0.9285% | 3,300 |
| Return on Equity (ROE) | 5.0922% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.0368% | 4,245 |
| Net charge-offs to loans | -0.1258% | 4,860 |
| Credit loss provision to net charge-offs | -200.6689% | 3,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4575% | 1,364 |
| Assets per employee ($millions) | 5.1147% | 3,100 |
| Cash dividends to net income (ytd only)* | 79.6390% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 870 |
| Loan loss allowance to noncurrent loans | 57.7025% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9376% | 353 |
| Noncurrent loans to loans | 2.9745% | 313 |
| Net loans and leases to total assets | 48.8916% | 4,164 |
| Net loans and leases to deposits | 61.1116% | 3,983 |
| Net loans and leases to core deposits | 62.4797% | 4,080 |
| Total domestic deposits to total assets | 80.0038% | 3,869 |
| Equity capital to assets | 15.3065% | 568 |
| Core capital (leverage) ratio | 13.7875% | 754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,234,208,500 | 723 |
| Average earning assets | $1,154,501,000 | 715 |
| Average equity | $197,263,750 | 503 |
| Average total loans | $633,953,500 | 931 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9786% | 3,382 |
| Cost of funding earning assets | 0.2142% | 4,721 |
| Net interest margin | 3.7643% | 1,943 |
| Noninterest income to average assets | 0.8533% | 1,279 |
| Noninterest expense to average assets | 3.1333% | 1,278 |
| Loan and lease loss provision to assets | 0.0991% | 3,035 |
| Net operating income to assets | 0.9674% | 2,432 |
| Return on assets (ROA) | 0.9634% | 2,575 |
| Pretax return on assets | 1.1306% | 2,614 |
| Return on Equity (ROE) | 5.9377% | 3,529 |
| Retained earnings to average equity (ytd only) | 1.8659% | 3,809 |
| Net charge-offs to loans | 0.0868% | 1,381 |
| Credit loss provision to net charge-offs | 219.7802% | 1,842 |
| Earnings coverage of net charge-offs (x) | 27.3736% | 1,494 |
| Efficiency ratio | 71.7392% | 1,726 |
| Assets per employee ($millions) | 4.7410% | 3,486 |
| Cash dividends to net income (ytd only)* | 68.5753% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4908% | 1,289 |
| Loan loss allowance to noncurrent loans | 50.9757% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9146% | 401 |
| Noncurrent loans to loans | 2.9246% | 340 |
| Net loans and leases to total assets | 49.5231% | 4,183 |
| Net loans and leases to deposits | 62.2273% | 3,997 |
| Net loans and leases to core deposits | 63.8267% | 4,085 |
| Total domestic deposits to total assets | 79.5842% | 3,920 |
| Equity capital to assets | 15.5245% | 536 |
| Core capital (leverage) ratio | 14.2392% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,210,860,000 | 724 |
| Average earning assets | $1,130,456,000 | 717 |
| Average equity | $196,473,333 | 505 |
| Average total loans | $629,000,333 | 929 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 4,229 |
| Cost of funding earning assets | 0.2221% | 4,837 |
| Net interest margin | 3.5808% | 2,733 |
| Noninterest income to average assets | 0.8795% | 1,106 |
| Noninterest expense to average assets | 3.2030% | 1,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8594% | 2,662 |
| Return on assets (ROA) | 0.8597% | 2,763 |
| Pretax return on assets | 1.0130% | 2,806 |
| Return on Equity (ROE) | 5.1754% | 3,579 |
| Retained earnings to average equity (ytd only) | 1.0647% | 3,725 |
| Net charge-offs to loans | 0.1259% | 956 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 15.2103% | 1,571 |
| Efficiency ratio | 75.9780% | 1,565 |
| Assets per employee ($millions) | 4.1539% | 3,717 |
| Cash dividends to net income (ytd only)* | 79.4281% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 1,356 |
| Loan loss allowance to noncurrent loans | 44.1201% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 2.2364% | 334 |
| Noncurrent loans to loans | 3.3926% | 287 |
| Net loans and leases to total assets | 50.6469% | 4,204 |
| Net loans and leases to deposits | 64.3262% | 3,962 |
| Net loans and leases to core deposits | 66.0381% | 4,081 |
| Total domestic deposits to total assets | 78.7345% | 4,101 |
| Equity capital to assets | 16.5900% | 498 |
| Core capital (leverage) ratio | 15.2367% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,171,517,000 | 715 |
| Average earning assets | $1,091,477,500 | 704 |
| Average equity | $194,612,000 | 511 |
| Average total loans | $619,356,500 | 921 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 4,125 |
| Cost of funding earning assets | 0.2394% | 4,876 |
| Net interest margin | 3.8229% | 2,434 |
| Noninterest income to average assets | 1.0501% | 858 |
| Noninterest expense to average assets | 3.3923% | 1,129 |
| Loan and lease loss provision to assets | -0.0170% | 4,950 |
| Net operating income to assets | 1.0820% | 2,515 |
| Return on assets (ROA) | 1.0823% | 2,609 |
| Pretax return on assets | 1.2197% | 2,771 |
| Return on Equity (ROE) | 6.8788% | 3,595 |
| Retained earnings to average equity (ytd only) | 3.2402% | 3,398 |
| Net charge-offs to loans | 0.1147% | 1,591 |
| Credit loss provision to net charge-offs | -27.1739% | 4,134 |
| Earnings coverage of net charge-offs (x) | 19.2609% | 2,010 |
| Efficiency ratio | 73.7097% | 1,637 |
| Assets per employee ($millions) | 4.1698% | 3,669 |
| Cash dividends to net income (ytd only)* | 52.8955% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 1,269 |
| Loan loss allowance to noncurrent loans | 47.8087% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 2.2096% | 331 |
| Noncurrent loans to loans | 3.1108% | 292 |
| Net loans and leases to total assets | 53.5523% | 4,105 |
| Net loans and leases to deposits | 67.7702% | 3,837 |
| Net loans and leases to core deposits | 69.4814% | 3,992 |
| Total domestic deposits to total assets | 79.0205% | 4,184 |
| Equity capital to assets | 16.6345% | 512 |
| Core capital (leverage) ratio | 15.2303% | 643 |
| Tier 1 risk-based capital ratio | 26.7624% | 632 |
| Total risk-based capital ratio | 28.0153% | 618 |
| Memoranda: | ||
| Average total assets | $1,179,018,800 | 672 |
| Average earning assets | $1,093,170,200 | 665 |
| Average equity | $185,512,600 | 501 |
| Average total loans | $641,527,000 | 864 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 4,269 |
| Cost of funding earning assets | 0.2410% | 4,944 |
| Net interest margin | 3.8047% | 2,583 |
| Noninterest income to average assets | 1.0459% | 845 |
| Noninterest expense to average assets | 3.5075% | 939 |
| Loan and lease loss provision to assets | -0.0225% | 5,083 |
| Net operating income to assets | 1.0290% | 2,864 |
| Return on assets (ROA) | 1.0295% | 2,943 |
| Pretax return on assets | 1.0871% | 3,332 |
| Return on Equity (ROE) | 6.6354% | 3,826 |
| Retained earnings to average equity (ytd only) | 3.1908% | 3,809 |
| Net charge-offs to loans | 0.1457% | 1,112 |
| Credit loss provision to net charge-offs | -28.3688% | 3,982 |
| Earnings coverage of net charge-offs (x) | 13.4141% | 2,298 |
| Efficiency ratio | 76.5622% | 1,261 |
| Assets per employee ($millions) | 4.1569% | 3,686 |
| Cash dividends to net income (ytd only)* | 51.9126% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,400 |
| Loan loss allowance to noncurrent loans | 44.7314% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 2.2497% | 343 |
| Noncurrent loans to loans | 3.2389% | 274 |
| Net loans and leases to total assets | 54.5605% | 4,126 |
| Net loans and leases to deposits | 69.1409% | 3,827 |
| Net loans and leases to core deposits | 70.8020% | 4,013 |
| Total domestic deposits to total assets | 78.9121% | 4,204 |
| Equity capital to assets | 16.2455% | 596 |
| Core capital (leverage) ratio | 15.0445% | 730 |
| Tier 1 risk-based capital ratio | 25.8372% | 717 |
| Total risk-based capital ratio | 27.0899% | 704 |
| Memoranda: | ||
| Average total assets | $1,185,017,000 | 667 |
| Average earning assets | $1,098,089,000 | 665 |
| Average equity | $183,857,500 | 507 |
| Average total loans | $644,938,500 | 860 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 4,362 |
| Cost of funding earning assets | 0.2346% | 4,997 |
| Net interest margin | 3.7712% | 2,692 |
| Noninterest income to average assets | 1.0660% | 754 |
| Noninterest expense to average assets | 3.5182% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8941% | 3,309 |
| Return on assets (ROA) | 0.8948% | 3,372 |
| Pretax return on assets | 1.0428% | 3,410 |
| Return on Equity (ROE) | 5.8574% | 4,093 |
| Retained earnings to average equity (ytd only) | 2.8336% | 3,790 |
| Net charge-offs to loans | 0.0642% | 1,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 29.9662% | 1,460 |
| Efficiency ratio | 76.9081% | 1,280 |
| Assets per employee ($millions) | 4.0344% | 3,822 |
| Cash dividends to net income (ytd only)* | 51.6238% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,185 |
| Loan loss allowance to noncurrent loans | 38.6123% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.7311% | 247 |
| Noncurrent loans to loans | 3.9614% | 183 |
| Net loans and leases to total assets | 55.2031% | 4,125 |
| Net loans and leases to deposits | 69.5743% | 3,873 |
| Net loans and leases to core deposits | 71.2270% | 4,049 |
| Total domestic deposits to total assets | 79.3441% | 4,152 |
| Equity capital to assets | 15.9342% | 626 |
| Core capital (leverage) ratio | 14.6624% | 784 |
| Tier 1 risk-based capital ratio | 25.3228% | 726 |
| Total risk-based capital ratio | 26.5765% | 713 |
| Memoranda: | ||
| Average total assets | $1,190,664,000 | 667 |
| Average earning assets | $1,103,195,000 | 658 |
| Average equity | $181,890,000 | 511 |
| Average total loans | $644,359,000 | 862 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 4,489 |
| Cost of funding earning assets | 0.2318% | 5,035 |
| Net interest margin | 3.7073% | 2,868 |
| Noninterest income to average assets | 0.9802% | 854 |
| Noninterest expense to average assets | 3.5006% | 964 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7957% | 3,637 |
| Return on assets (ROA) | 0.7957% | 3,684 |
| Pretax return on assets | 0.9158% | 3,716 |
| Return on Equity (ROE) | 5.3207% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.3207% | 2,768 |
| Net charge-offs to loans | -0.0282% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0150% | 1,156 |
| Assets per employee ($millions) | 4.0201% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 1,027 |
| Loan loss allowance to noncurrent loans | 37.1254% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.7828% | 241 |
| Noncurrent loans to loans | 4.3596% | 158 |
| Net loans and leases to total assets | 53.0691% | 4,267 |
| Net loans and leases to deposits | 65.9963% | 4,053 |
| Net loans and leases to core deposits | 67.7021% | 4,197 |
| Total domestic deposits to total assets | 80.4123% | 4,092 |
| Equity capital to assets | 15.4120% | 666 |
| Core capital (leverage) ratio | 14.5227% | 805 |
| Tier 1 risk-based capital ratio | 25.4267% | 732 |
| Total risk-based capital ratio | 26.6812% | 708 |
| Memoranda: | ||
| Average total assets | $1,198,989,500 | 665 |
| Average earning assets | $1,111,316,500 | 656 |
| Average equity | $179,300,500 | 512 |
| Average total loans | $637,459,000 | 873 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 4,340 |
| Cost of funding earning assets | 0.2251% | 4,905 |
| Net interest margin | 3.6439% | 3,242 |
| Noninterest income to average assets | 1.0326% | 884 |
| Noninterest expense to average assets | 3.2631% | 1,411 |
| Loan and lease loss provision to assets | 0.0671% | 2,811 |
| Net operating income to assets | 0.9217% | 3,361 |
| Return on assets (ROA) | 0.9231% | 3,341 |
| Pretax return on assets | 1.0796% | 3,350 |
| Return on Equity (ROE) | 6.9057% | 3,858 |
| Retained earnings to average equity (ytd only) | 6.1377% | 2,125 |
| Net charge-offs to loans | 0.4046% | 459 |
| Credit loss provision to net charge-offs | 33.1126% | 3,333 |
| Earnings coverage of net charge-offs (x) | 5.6494% | 3,171 |
| Efficiency ratio | 73.7864% | 1,654 |
| Assets per employee ($millions) | 4.1789% | 3,639 |
| Cash dividends to net income (ytd only)* | 11.1206% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,005 |
| Loan loss allowance to noncurrent loans | 44.0887% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 2.3369% | 350 |
| Noncurrent loans to loans | 3.6562% | 229 |
| Net loans and leases to total assets | 51.5674% | 4,429 |
| Net loans and leases to deposits | 63.6613% | 4,269 |
| Net loans and leases to core deposits | 65.7607% | 4,371 |
| Total domestic deposits to total assets | 81.0028% | 3,887 |
| Equity capital to assets | 14.5094% | 834 |
| Core capital (leverage) ratio | 13.7835% | 988 |
| Tier 1 risk-based capital ratio | 25.0399% | 741 |
| Total risk-based capital ratio | 26.2944% | 728 |
| Memoranda: | ||
| Average total assets | $1,266,398,400 | 619 |
| Average earning assets | $1,173,160,800 | 610 |
| Average equity | $169,281,000 | 518 |
| Average total loans | $634,478,000 | 853 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 4,407 |
| Cost of funding earning assets | 0.2263% | 4,912 |
| Net interest margin | 3.5881% | 3,408 |
| Noninterest income to average assets | 1.0214% | 920 |
| Noninterest expense to average assets | 3.3040% | 1,293 |
| Loan and lease loss provision to assets | 0.0886% | 2,202 |
| Net operating income to assets | 0.8239% | 3,827 |
| Return on assets (ROA) | 0.8257% | 3,828 |
| Pretax return on assets | 0.9553% | 3,865 |
| Return on Equity (ROE) | 6.3055% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.2706% | 3,079 |
| Net charge-offs to loans | 0.0471% | 2,153 |
| Credit loss provision to net charge-offs | 379.4643% | 850 |
| Earnings coverage of net charge-offs (x) | 44.6115% | 1,264 |
| Efficiency ratio | 75.7910% | 1,375 |
| Assets per employee ($millions) | 4.0366% | 3,822 |
| Cash dividends to net income (ytd only)* | 16.4121% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9718% | 511 |
| Loan loss allowance to noncurrent loans | 59.0269% | 4,220 |
| Noncurrent assets plus other real estate owned to assets | 2.2060% | 444 |
| Noncurrent loans to loans | 3.3405% | 301 |
| Net loans and leases to total assets | 50.6158% | 4,555 |
| Net loans and leases to deposits | 62.6667% | 4,413 |
| Net loans and leases to core deposits | 64.8679% | 4,465 |
| Total domestic deposits to total assets | 80.7698% | 3,933 |
| Equity capital to assets | 13.5997% | 1,102 |
| Core capital (leverage) ratio | 13.1709% | 1,219 |
| Tier 1 risk-based capital ratio | 24.6035% | 789 |
| Total risk-based capital ratio | 25.8626% | 768 |
| Memoranda: | ||
| Average total assets | $1,278,984,000 | 611 |
| Average earning assets | $1,184,953,000 | 605 |
| Average equity | $167,490,500 | 514 |
| Average total loans | $633,756,750 | 858 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,446 |
| Cost of funding earning assets | 0.2285% | 4,865 |
| Net interest margin | 3.5307% | 3,532 |
| Noninterest income to average assets | 0.8714% | 1,267 |
| Noninterest expense to average assets | 3.3030% | 1,314 |
| Loan and lease loss provision to assets | 0.1316% | 1,506 |
| Net operating income to assets | 0.6328% | 4,402 |
| Return on assets (ROA) | 0.6352% | 4,401 |
| Pretax return on assets | 0.7109% | 4,484 |
| Return on Equity (ROE) | 4.9108% | 4,576 |
| Retained earnings to average equity (ytd only) | 3.3552% | 3,902 |
| Net charge-offs to loans | 0.0681% | 1,659 |
| Credit loss provision to net charge-offs | 395.3488% | 831 |
| Earnings coverage of net charge-offs (x) | 25.2372% | 1,647 |
| Efficiency ratio | 79.4822% | 1,073 |
| Assets per employee ($millions) | 4.1578% | 3,643 |
| Cash dividends to net income (ytd only)* | 31.6764% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9967% | 524 |
| Loan loss allowance to noncurrent loans | 63.9874% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 2.2012% | 449 |
| Noncurrent loans to loans | 3.1204% | 348 |
| Net loans and leases to total assets | 48.3934% | 4,701 |
| Net loans and leases to deposits | 59.3240% | 4,570 |
| Net loans and leases to core deposits | 61.7915% | 4,608 |
| Total domestic deposits to total assets | 81.5747% | 3,850 |
| Equity capital to assets | 12.9793% | 1,300 |
| Core capital (leverage) ratio | 12.5264% | 1,424 |
| Tier 1 risk-based capital ratio | 23.7459% | 859 |
| Total risk-based capital ratio | 25.0050% | 829 |
| Memoranda: | ||
| Average total assets | $1,292,232,000 | 606 |
| Average earning assets | $1,197,329,670 | 600 |
| Average equity | $167,143,000 | 514 |
| Average total loans | $631,719,670 | 858 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7134% | 4,439 |
| Cost of funding earning assets | 0.2324% | 4,818 |
| Net interest margin | 3.4809% | 3,600 |
| Noninterest income to average assets | 0.8859% | 1,184 |
| Noninterest expense to average assets | 3.2855% | 1,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7263% | 3,996 |
| Return on assets (ROA) | 0.7282% | 3,999 |
| Pretax return on assets | 0.8283% | 4,086 |
| Return on Equity (ROE) | 5.6393% | 4,269 |
| Retained earnings to average equity (ytd only) | 2.5369% | 4,156 |
| Net charge-offs to loans | 0.0228% | 2,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 74.4722% | 738 |
| Efficiency ratio | 79.6597% | 1,180 |
| Assets per employee ($millions) | 4.2077% | 3,636 |
| Cash dividends to net income (ytd only)* | 55.0148% | 1,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9004% | 654 |
| Loan loss allowance to noncurrent loans | 71.3689% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.0117% | 566 |
| Noncurrent loans to loans | 2.6627% | 485 |
| Net loans and leases to total assets | 47.6196% | 4,714 |
| Net loans and leases to deposits | 57.9818% | 4,584 |
| Net loans and leases to core deposits | 61.2074% | 4,603 |
| Total domestic deposits to total assets | 82.1285% | 3,920 |
| Equity capital to assets | 12.7690% | 1,350 |
| Core capital (leverage) ratio | 12.3651% | 1,449 |
| Tier 1 risk-based capital ratio | 23.4682% | 895 |
| Total risk-based capital ratio | 24.7260% | 873 |
| Memoranda: | ||
| Average total assets | $1,298,048,500 | 608 |
| Average earning assets | $1,202,891,000 | 600 |
| Average equity | $167,608,000 | 518 |
| Average total loans | $631,404,000 | 864 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 4,402 |
| Cost of funding earning assets | 0.2506% | 4,555 |
| Net interest margin | 3.4219% | 3,781 |
| Noninterest income to average assets | 0.8398% | 1,439 |
| Noninterest expense to average assets | 3.1360% | 1,759 |
| Loan and lease loss provision to assets | 0.0284% | 3,708 |
| Net operating income to assets | 0.5974% | 4,021 |
| Return on assets (ROA) | 0.5736% | 4,160 |
| Pretax return on assets | 0.8060% | 4,223 |
| Return on Equity (ROE) | 4.4325% | 4,374 |
| Retained earnings to average equity (ytd only) | 1.3771% | 4,456 |
| Net charge-offs to loans | 0.2892% | 911 |
| Credit loss provision to net charge-offs | 20.0321% | 3,605 |
| Earnings coverage of net charge-offs (x) | 6.1261% | 3,224 |
| Efficiency ratio | 78.0747% | 1,336 |
| Assets per employee ($millions) | 4.0884% | 3,829 |
| Cash dividends to net income (ytd only)* | 68.9314% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8922% | 655 |
| Loan loss allowance to noncurrent loans | 72.7609% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.0071% | 558 |
| Noncurrent loans to loans | 2.6005% | 501 |
| Net loans and leases to total assets | 47.8204% | 4,780 |
| Net loans and leases to deposits | 58.4917% | 4,665 |
| Net loans and leases to core deposits | 61.8241% | 4,666 |
| Total domestic deposits to total assets | 81.7560% | 3,928 |
| Equity capital to assets | 13.0551% | 1,238 |
| Core capital (leverage) ratio | 12.1598% | 1,523 |
| Tier 1 risk-based capital ratio | 23.3770% | 873 |
| Total risk-based capital ratio | 24.6352% | 856 |
| Memoranda: | ||
| Average total assets | $1,321,382,200 | 581 |
| Average earning assets | $1,221,821,200 | 578 |
| Average equity | $171,009,800 | 490 |
| Average total loans | $647,248,600 | 811 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6473% | 4,449 |
| Cost of funding earning assets | 0.2532% | 4,539 |
| Net interest margin | 3.3941% | 3,863 |
| Noninterest income to average assets | 0.8044% | 1,572 |
| Noninterest expense to average assets | 3.2028% | 1,550 |
| Loan and lease loss provision to assets | 0.0377% | 3,353 |
| Net operating income to assets | 0.5833% | 4,448 |
| Return on assets (ROA) | 0.5825% | 4,492 |
| Pretax return on assets | 0.7014% | 4,605 |
| Return on Equity (ROE) | 4.5105% | 4,709 |
| Retained earnings to average equity (ytd only) | 1.7090% | 4,742 |
| Net charge-offs to loans | 0.3289% | 637 |
| Credit loss provision to net charge-offs | 23.3645% | 3,136 |
| Earnings coverage of net charge-offs (x) | 4.5882% | 3,207 |
| Efficiency ratio | 80.9777% | 999 |
| Assets per employee ($millions) | 4.1392% | 3,758 |
| Cash dividends to net income (ytd only)* | 62.1118% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 656 |
| Loan loss allowance to noncurrent loans | 62.3056% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 2.2891% | 512 |
| Noncurrent loans to loans | 3.1053% | 392 |
| Net loans and leases to total assets | 47.5006% | 4,859 |
| Net loans and leases to deposits | 58.4354% | 4,726 |
| Net loans and leases to core deposits | 61.7629% | 4,728 |
| Total domestic deposits to total assets | 81.2873% | 3,974 |
| Equity capital to assets | 13.2131% | 1,289 |
| Core capital (leverage) ratio | 12.0404% | 1,660 |
| Tier 1 risk-based capital ratio | 23.0141% | 946 |
| Total risk-based capital ratio | 24.2732% | 931 |
| Memoranda: | ||
| Average total assets | $1,326,696,750 | 582 |
| Average earning assets | $1,226,759,750 | 570 |
| Average equity | $171,329,000 | 493 |
| Average total loans | $650,631,750 | 807 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 4,505 |
| Cost of funding earning assets | 0.2554% | 4,493 |
| Net interest margin | 3.3466% | 3,963 |
| Noninterest income to average assets | 0.8461% | 1,424 |
| Noninterest expense to average assets | 3.1467% | 1,713 |
| Loan and lease loss provision to assets | 0.0563% | 2,848 |
| Net operating income to assets | 0.6041% | 4,288 |
| Return on assets (ROA) | 0.6044% | 4,329 |
| Pretax return on assets | 0.7375% | 4,464 |
| Return on Equity (ROE) | 4.7158% | 4,596 |
| Retained earnings to average equity (ytd only) | 2.6084% | 4,138 |
| Net charge-offs to loans | 0.1463% | 1,277 |
| Credit loss provision to net charge-offs | 78.1250% | 2,282 |
| Earnings coverage of net charge-offs (x) | 11.0167% | 2,304 |
| Efficiency ratio | 79.6116% | 1,261 |
| Assets per employee ($millions) | 4.1187% | 3,751 |
| Cash dividends to net income (ytd only)* | 44.6872% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 543 |
| Loan loss allowance to noncurrent loans | 66.8048% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.3663% | 483 |
| Noncurrent loans to loans | 3.0773% | 415 |
| Net loans and leases to total assets | 47.9291% | 4,827 |
| Net loans and leases to deposits | 58.7284% | 4,720 |
| Net loans and leases to core deposits | 62.0877% | 4,711 |
| Total domestic deposits to total assets | 81.6115% | 4,013 |
| Equity capital to assets | 13.0638% | 1,344 |
| Core capital (leverage) ratio | 11.8855% | 1,705 |
| Tier 1 risk-based capital ratio | 22.2718% | 1,022 |
| Total risk-based capital ratio | 23.5314% | 1,000 |
| Memoranda: | ||
| Average total assets | $1,332,938,000 | 582 |
| Average earning assets | $1,232,357,330 | 571 |
| Average equity | $170,830,670 | 492 |
| Average total loans | $656,324,670 | 801 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 4,541 |
| Cost of funding earning assets | 0.2578% | 4,473 |
| Net interest margin | 3.2952% | 4,022 |
| Noninterest income to average assets | 0.8373% | 1,440 |
| Noninterest expense to average assets | 3.1320% | 1,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6134% | 4,096 |
| Return on assets (ROA) | 0.6134% | 4,153 |
| Pretax return on assets | 0.7558% | 4,271 |
| Return on Equity (ROE) | 4.8326% | 4,467 |
| Retained earnings to average equity (ytd only) | 4.8326% | 2,994 |
| Net charge-offs to loans | 0.1178% | 1,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.9948% | 1,811 |
| Efficiency ratio | 80.3054% | 1,347 |
| Assets per employee ($millions) | 4.1749% | 3,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0585% | 601 |
| Loan loss allowance to noncurrent loans | 58.1413% | 4,473 |
| Noncurrent assets plus other real estate owned to assets | 2.4729% | 469 |
| Noncurrent loans to loans | 3.5405% | 338 |
| Net loans and leases to total assets | 47.1982% | 4,876 |
| Net loans and leases to deposits | 57.7770% | 4,716 |
| Net loans and leases to core deposits | 61.0926% | 4,714 |
| Total domestic deposits to total assets | 81.6902% | 4,250 |
| Equity capital to assets | 12.7568% | 1,378 |
| Core capital (leverage) ratio | 11.8809% | 1,703 |
| Tier 1 risk-based capital ratio | 22.1081% | 1,073 |
| Total risk-based capital ratio | 23.3674% | 1,055 |
| Memoranda: | ||
| Average total assets | $1,334,238,500 | 581 |
| Average earning assets | $1,235,114,000 | 571 |
| Average equity | $169,349,500 | 493 |
| Average total loans | $658,986,000 | 795 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 4,428 |
| Cost of funding earning assets | 0.2746% | 4,317 |
| Net interest margin | 3.3574% | 3,969 |
| Noninterest income to average assets | 0.8755% | 1,495 |
| Noninterest expense to average assets | 3.2087% | 1,768 |
| Loan and lease loss provision to assets | 0.0343% | 3,676 |
| Net operating income to assets | 0.6065% | 4,181 |
| Return on assets (ROA) | 0.6077% | 4,292 |
| Pretax return on assets | 0.7498% | 4,344 |
| Return on Equity (ROE) | 4.8873% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.8873% | 2,420 |
| Net charge-offs to loans | 0.2385% | 1,169 |
| Credit loss provision to net charge-offs | 28.8020% | 3,603 |
| Earnings coverage of net charge-offs (x) | 6.5711% | 3,149 |
| Efficiency ratio | 80.1493% | 1,404 |
| Assets per employee ($millions) | 4.0498% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0067% | 649 |
| Loan loss allowance to noncurrent loans | 77.4638% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 2.1476% | 616 |
| Noncurrent loans to loans | 2.5905% | 593 |
| Net loans and leases to total assets | 49.5859% | 4,794 |
| Net loans and leases to deposits | 60.5950% | 4,634 |
| Net loans and leases to core deposits | 64.0902% | 4,629 |
| Total domestic deposits to total assets | 81.8318% | 4,116 |
| Equity capital to assets | 12.6278% | 1,442 |
| Core capital (leverage) ratio | 11.7164% | 1,781 |
| Tier 1 risk-based capital ratio | 21.2290% | 1,169 |
| Total risk-based capital ratio | 22.4886% | 1,153 |
| Memoranda: | ||
| Average total assets | $1,352,775,000 | 546 |
| Average earning assets | $1,255,444,000 | 542 |
| Average equity | $168,211,400 | 482 |
| Average total loans | $675,439,000 | 738 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6383% | 4,438 |
| Cost of funding earning assets | 0.2766% | 4,324 |
| Net interest margin | 3.3617% | 3,989 |
| Noninterest income to average assets | 0.8735% | 1,498 |
| Noninterest expense to average assets | 3.2426% | 1,702 |
| Loan and lease loss provision to assets | 0.0161% | 3,924 |
| Net operating income to assets | 0.6007% | 4,289 |
| Return on assets (ROA) | 0.6006% | 4,407 |
| Pretax return on assets | 0.7368% | 4,509 |
| Return on Equity (ROE) | 4.8483% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.8483% | 2,932 |
| Net charge-offs to loans | 0.2459% | 954 |
| Credit loss provision to net charge-offs | 13.1516% | 3,346 |
| Earnings coverage of net charge-offs (x) | 6.1539% | 3,031 |
| Efficiency ratio | 80.9120% | 1,313 |
| Assets per employee ($millions) | 3.8185% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 716 |
| Loan loss allowance to noncurrent loans | 83.7525% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 2.0547% | 754 |
| Noncurrent loans to loans | 2.4000% | 752 |
| Net loans and leases to total assets | 49.4329% | 4,862 |
| Net loans and leases to deposits | 60.7863% | 4,700 |
| Net loans and leases to core deposits | 64.2854% | 4,714 |
| Total domestic deposits to total assets | 81.3224% | 4,162 |
| Equity capital to assets | 12.9213% | 1,531 |
| Core capital (leverage) ratio | 11.4554% | 2,069 |
| Tier 1 risk-based capital ratio | 20.9754% | 1,275 |
| Total risk-based capital ratio | 22.2354% | 1,256 |
| Memoranda: | ||
| Average total assets | $1,358,885,250 | 546 |
| Average earning assets | $1,261,985,250 | 537 |
| Average equity | $168,329,250 | 486 |
| Average total loans | $676,260,000 | 737 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 4,571 |
| Cost of funding earning assets | 0.2779% | 4,374 |
| Net interest margin | 3.3279% | 4,128 |
| Noninterest income to average assets | 0.8365% | 1,589 |
| Noninterest expense to average assets | 3.2137% | 1,780 |
| Loan and lease loss provision to assets | 0.0240% | 3,649 |
| Net operating income to assets | 0.5713% | 4,392 |
| Return on assets (ROA) | 0.5722% | 4,516 |
| Pretax return on assets | 0.6922% | 4,642 |
| Return on Equity (ROE) | 4.6849% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.6849% | 2,927 |
| Net charge-offs to loans | -0.0254% | 5,046 |
| Credit loss provision to net charge-offs | -190.6977% | 4,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5506% | 1,324 |
| Assets per employee ($millions) | 4.0481% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2007% | 541 |
| Loan loss allowance to noncurrent loans | 61.1821% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.6121% | 507 |
| Noncurrent loans to loans | 3.5969% | 362 |
| Net loans and leases to total assets | 48.9255% | 4,917 |
| Net loans and leases to deposits | 59.9435% | 4,804 |
| Net loans and leases to core deposits | 63.4600% | 4,781 |
| Total domestic deposits to total assets | 81.6194% | 4,112 |
| Equity capital to assets | 12.5991% | 1,709 |
| Core capital (leverage) ratio | 11.1685% | 2,265 |
| Tier 1 risk-based capital ratio | 20.6164% | 1,325 |
| Total risk-based capital ratio | 21.8780% | 1,305 |
| Memoranda: | ||
| Average total assets | $1,366,358,330 | 545 |
| Average earning assets | $1,269,624,670 | 538 |
| Average equity | $166,876,000 | 489 |
| Average total loans | $676,944,670 | 735 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5874% | 4,657 |
| Cost of funding earning assets | 0.2800% | 4,390 |
| Net interest margin | 3.3075% | 4,196 |
| Noninterest income to average assets | 0.7913% | 1,656 |
| Noninterest expense to average assets | 3.2076% | 1,823 |
| Loan and lease loss provision to assets | 0.0478% | 2,962 |
| Net operating income to assets | 0.5136% | 4,575 |
| Return on assets (ROA) | 0.5143% | 4,678 |
| Pretax return on assets | 0.6092% | 4,793 |
| Return on Equity (ROE) | 4.2776% | 4,787 |
| Retained earnings to average equity (ytd only) | 4.2776% | 3,340 |
| Net charge-offs to loans | 0.0910% | 1,597 |
| Credit loss provision to net charge-offs | 106.4935% | 1,549 |
| Earnings coverage of net charge-offs (x) | 14.6299% | 1,689 |
| Efficiency ratio | 82.7693% | 1,284 |
| Assets per employee ($millions) | 3.9967% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 610 |
| Loan loss allowance to noncurrent loans | 66.6803% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 2.4527% | 615 |
| Noncurrent loans to loans | 3.2625% | 454 |
| Net loans and leases to total assets | 48.0378% | 4,965 |
| Net loans and leases to deposits | 58.8959% | 4,789 |
| Net loans and leases to core deposits | 62.2760% | 4,803 |
| Total domestic deposits to total assets | 81.5640% | 4,344 |
| Equity capital to assets | 12.2095% | 1,886 |
| Core capital (leverage) ratio | 10.9045% | 2,499 |
| Tier 1 risk-based capital ratio | 20.1980% | 1,460 |
| Total risk-based capital ratio | 21.4592% | 1,431 |
| Memoranda: | ||
| Average total assets | $1,373,507,000 | 542 |
| Average earning assets | $1,275,899,000 | 540 |
| Average equity | $165,140,500 | 491 |
| Average total loans | $677,223,000 | 737 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6964% | 4,379 |
| Cost of funding earning assets | 0.3141% | 4,090 |
| Net interest margin | 3.3823% | 3,976 |
| Noninterest income to average assets | 0.7975% | 1,797 |
| Noninterest expense to average assets | 3.2368% | 1,868 |
| Loan and lease loss provision to assets | 0.2104% | 997 |
| Net operating income to assets | 0.4177% | 4,998 |
| Return on assets (ROA) | 0.4215% | 5,064 |
| Pretax return on assets | 0.4822% | 5,148 |
| Return on Equity (ROE) | 3.5955% | 5,109 |
| Retained earnings to average equity (ytd only) | 3.5955% | 3,499 |
| Net charge-offs to loans | 0.6872% | 346 |
| Credit loss provision to net charge-offs | 61.0277% | 3,254 |
| Earnings coverage of net charge-offs (x) | 1.9964% | 3,993 |
| Efficiency ratio | 82.2212% | 1,380 |
| Assets per employee ($millions) | 4.0475% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1482% | 642 |
| Loan loss allowance to noncurrent loans | 69.0363% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.4286% | 646 |
| Noncurrent loans to loans | 3.1117% | 502 |
| Net loans and leases to total assets | 48.4419% | 4,979 |
| Net loans and leases to deposits | 59.0398% | 4,841 |
| Net loans and leases to core deposits | 62.4161% | 4,851 |
| Total domestic deposits to total assets | 82.0496% | 4,155 |
| Equity capital to assets | 11.8377% | 2,084 |
| Core capital (leverage) ratio | 10.8660% | 2,537 |
| Tier 1 risk-based capital ratio | 19.7382% | 1,532 |
| Total risk-based capital ratio | 20.9997% | 1,505 |
| Memoranda: | ||
| Average total assets | $1,371,835,400 | 520 |
| Average earning assets | $1,268,508,000 | 518 |
| Average equity | $160,811,800 | 485 |
| Average total loans | $688,178,800 | 677 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 4,305 |
| Cost of funding earning assets | 0.3216% | 4,084 |
| Net interest margin | 3.4155% | 3,891 |
| Noninterest income to average assets | 0.7800% | 1,883 |
| Noninterest expense to average assets | 3.3344% | 1,613 |
| Loan and lease loss provision to assets | 0.1975% | 1,019 |
| Net operating income to assets | 0.3716% | 5,257 |
| Return on assets (ROA) | 0.3738% | 5,329 |
| Pretax return on assets | 0.4067% | 5,452 |
| Return on Equity (ROE) | 3.1966% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.1966% | 4,187 |
| Net charge-offs to loans | 0.5411% | 426 |
| Credit loss provision to net charge-offs | 72.5357% | 2,723 |
| Earnings coverage of net charge-offs (x) | 2.2096% | 3,709 |
| Efficiency ratio | 84.4667% | 1,123 |
| Assets per employee ($millions) | 3.8965% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3062% | 570 |
| Loan loss allowance to noncurrent loans | 69.9595% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 2.6100% | 641 |
| Noncurrent loans to loans | 3.2964% | 503 |
| Net loans and leases to total assets | 49.2148% | 4,999 |
| Net loans and leases to deposits | 60.1595% | 4,847 |
| Net loans and leases to core deposits | 63.8227% | 4,828 |
| Total domestic deposits to total assets | 81.8073% | 4,225 |
| Equity capital to assets | 11.9922% | 2,117 |
| Core capital (leverage) ratio | 10.6953% | 2,831 |
| Tier 1 risk-based capital ratio | 19.6230% | 1,643 |
| Total risk-based capital ratio | 20.8862% | 1,607 |
| Memoranda: | ||
| Average total assets | $1,370,760,750 | 521 |
| Average earning assets | $1,266,714,500 | 521 |
| Average equity | $160,289,000 | 489 |
| Average total loans | $689,908,500 | 671 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6809% | 4,461 |
| Cost of funding earning assets | 0.3241% | 4,103 |
| Net interest margin | 3.3568% | 4,072 |
| Noninterest income to average assets | 0.7333% | 2,070 |
| Noninterest expense to average assets | 3.2896% | 1,736 |
| Loan and lease loss provision to assets | 0.2144% | 894 |
| Net operating income to assets | 0.3194% | 5,388 |
| Return on assets (ROA) | 0.3229% | 5,471 |
| Pretax return on assets | 0.3323% | 5,602 |
| Return on Equity (ROE) | 2.7845% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.7845% | 4,276 |
| Net charge-offs to loans | 0.5444% | 451 |
| Credit loss provision to net charge-offs | 78.2609% | 2,356 |
| Earnings coverage of net charge-offs (x) | 1.9825% | 3,422 |
| Efficiency ratio | 85.5806% | 1,096 |
| Assets per employee ($millions) | 4.0494% | 3,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3519% | 591 |
| Loan loss allowance to noncurrent loans | 60.0493% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.9340% | 576 |
| Noncurrent loans to loans | 3.9166% | 402 |
| Net loans and leases to total assets | 48.4542% | 5,057 |
| Net loans and leases to deposits | 59.2246% | 4,915 |
| Net loans and leases to core deposits | 62.8126% | 4,887 |
| Total domestic deposits to total assets | 81.8143% | 4,355 |
| Equity capital to assets | 11.5347% | 2,387 |
| Core capital (leverage) ratio | 10.4320% | 3,047 |
| Tier 1 risk-based capital ratio | 19.4274% | 1,687 |
| Total risk-based capital ratio | 20.6910% | 1,654 |
| Memoranda: | ||
| Average total assets | $1,376,989,670 | 516 |
| Average earning assets | $1,271,378,330 | 512 |
| Average equity | $159,671,000 | 492 |
| Average total loans | $692,835,000 | 670 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6775% | 4,444 |
| Cost of funding earning assets | 0.3284% | 4,121 |
| Net interest margin | 3.3491% | 4,026 |
| Noninterest income to average assets | 0.6820% | 2,248 |
| Noninterest expense to average assets | 3.2916% | 1,738 |
| Loan and lease loss provision to assets | 0.0532% | 2,880 |
| Net operating income to assets | 0.3835% | 5,135 |
| Return on assets (ROA) | 0.3843% | 5,251 |
| Pretax return on assets | 0.4279% | 5,369 |
| Return on Equity (ROE) | 3.3054% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.3054% | 3,999 |
| Net charge-offs to loans | 0.1766% | 1,223 |
| Credit loss provision to net charge-offs | 59.4156% | 2,013 |
| Earnings coverage of net charge-offs (x) | 5.3669% | 2,396 |
| Efficiency ratio | 87.0158% | 1,096 |
| Assets per employee ($millions) | 4.1529% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3740% | 641 |
| Loan loss allowance to noncurrent loans | 55.1628% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 3.3038% | 527 |
| Noncurrent loans to loans | 4.3036% | 375 |
| Net loans and leases to total assets | 48.6288% | 4,969 |
| Net loans and leases to deposits | 59.3764% | 4,793 |
| Net loans and leases to core deposits | 62.8504% | 4,788 |
| Total domestic deposits to total assets | 81.8991% | 4,538 |
| Equity capital to assets | 11.6687% | 2,325 |
| Core capital (leverage) ratio | 10.4912% | 2,975 |
| Tier 1 risk-based capital ratio | 19.1193% | 1,835 |
| Total risk-based capital ratio | 20.3827% | 1,788 |
| Memoranda: | ||
| Average total assets | $1,377,082,500 | 519 |
| Average earning assets | $1,270,425,500 | 509 |
| Average equity | $160,101,500 | 494 |
| Average total loans | $697,659,000 | 665 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9539% | 3,906 |
| Cost of funding earning assets | 0.3737% | 3,995 |
| Net interest margin | 3.5802% | 3,472 |
| Noninterest income to average assets | 0.7964% | 1,892 |
| Noninterest expense to average assets | 3.3894% | 1,718 |
| Loan and lease loss provision to assets | 0.4217% | 410 |
| Net operating income to assets | 0.3010% | 5,511 |
| Return on assets (ROA) | 0.3006% | 5,586 |
| Pretax return on assets | 0.3008% | 5,700 |
| Return on Equity (ROE) | 2.6414% | 5,589 |
| Retained earnings to average equity (ytd only) | 2.6414% | 4,362 |
| Net charge-offs to loans | 0.8358% | 406 |
| Credit loss provision to net charge-offs | 92.0922% | 2,600 |
| Earnings coverage of net charge-offs (x) | 1.5785% | 4,390 |
| Efficiency ratio | 82.1868% | 1,641 |
| Assets per employee ($millions) | 3.9747% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3324% | 691 |
| Loan loss allowance to noncurrent loans | 59.2180% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 3.1445% | 621 |
| Noncurrent loans to loans | 3.9387% | 480 |
| Net loans and leases to total assets | 50.3185% | 4,938 |
| Net loans and leases to deposits | 61.6321% | 4,755 |
| Net loans and leases to core deposits | 65.3568% | 4,719 |
| Total domestic deposits to total assets | 81.6432% | 4,553 |
| Equity capital to assets | 11.5833% | 2,362 |
| Core capital (leverage) ratio | 10.3285% | 3,131 |
| Tier 1 risk-based capital ratio | 19.0789% | 1,821 |
| Total risk-based capital ratio | 20.3395% | 1,787 |
| Memoranda: | ||
| Average total assets | $1,364,182,000 | 504 |
| Average earning assets | $1,263,461,400 | 494 |
| Average equity | $155,260,000 | 493 |
| Average total loans | $747,387,000 | 581 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9957% | 3,776 |
| Cost of funding earning assets | 0.3822% | 3,997 |
| Net interest margin | 3.6135% | 3,374 |
| Noninterest income to average assets | 0.8195% | 1,817 |
| Noninterest expense to average assets | 3.4348% | 1,583 |
| Loan and lease loss provision to assets | 0.3115% | 614 |
| Net operating income to assets | 0.3806% | 5,319 |
| Return on assets (ROA) | 0.3800% | 5,401 |
| Pretax return on assets | 0.4209% | 5,539 |
| Return on Equity (ROE) | 3.3539% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.3539% | 4,227 |
| Net charge-offs to loans | 0.6453% | 552 |
| Credit loss provision to net charge-offs | 86.8012% | 2,482 |
| Earnings coverage of net charge-offs (x) | 2.0428% | 4,010 |
| Efficiency ratio | 82.1785% | 1,593 |
| Assets per employee ($millions) | 3.8813% | 4,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2697% | 857 |
| Loan loss allowance to noncurrent loans | 55.7121% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 3.3991% | 640 |
| Noncurrent loans to loans | 4.0740% | 509 |
| Net loans and leases to total assets | 52.8666% | 4,714 |
| Net loans and leases to deposits | 64.6520% | 4,468 |
| Net loans and leases to core deposits | 68.8182% | 4,430 |
| Total domestic deposits to total assets | 81.7709% | 4,555 |
| Equity capital to assets | 11.7492% | 2,264 |
| Core capital (leverage) ratio | 10.3220% | 3,263 |
| Tier 1 risk-based capital ratio | 18.8727% | 1,939 |
| Total risk-based capital ratio | 20.1338% | 1,906 |
| Memoranda: | ||
| Average total assets | $1,362,411,500 | 505 |
| Average earning assets | $1,262,450,000 | 496 |
| Average equity | $154,365,750 | 493 |
| Average total loans | $757,614,500 | 577 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0102% | 3,693 |
| Cost of funding earning assets | 0.3870% | 4,032 |
| Net interest margin | 3.6232% | 3,266 |
| Noninterest income to average assets | 0.8319% | 1,727 |
| Noninterest expense to average assets | 3.3804% | 1,726 |
| Loan and lease loss provision to assets | 0.2878% | 697 |
| Net operating income to assets | 0.4494% | 5,017 |
| Return on assets (ROA) | 0.4485% | 5,098 |
| Pretax return on assets | 0.5264% | 5,203 |
| Return on Equity (ROE) | 4.0071% | 5,146 |
| Retained earnings to average equity (ytd only) | 4.0071% | 3,631 |
| Net charge-offs to loans | 0.5940% | 678 |
| Credit loss provision to net charge-offs | 86.3656% | 2,238 |
| Earnings coverage of net charge-offs (x) | 2.4463% | 3,546 |
| Efficiency ratio | 80.3392% | 1,976 |
| Assets per employee ($millions) | 3.6762% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2145% | 1,005 |
| Loan loss allowance to noncurrent loans | 41.7778% | 5,448 |
| Noncurrent assets plus other real estate owned to assets | 3.4800% | 676 |
| Noncurrent loans to loans | 5.3007% | 359 |
| Net loans and leases to total assets | 54.5287% | 4,478 |
| Net loans and leases to deposits | 66.5678% | 4,213 |
| Net loans and leases to core deposits | 71.1097% | 4,142 |
| Total domestic deposits to total assets | 81.9145% | 4,672 |
| Equity capital to assets | 11.5933% | 2,335 |
| Core capital (leverage) ratio | 10.1284% | 3,437 |
| Tier 1 risk-based capital ratio | 18.4897% | 2,070 |
| Total risk-based capital ratio | 19.7503% | 2,021 |
| Memoranda: | ||
| Average total assets | $1,368,909,000 | 507 |
| Average earning assets | $1,270,851,330 | 494 |
| Average equity | $153,227,000 | 491 |
| Average total loans | $768,005,000 | 567 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 3,573 |
| Cost of funding earning assets | 0.3915% | 4,072 |
| Net interest margin | 3.6375% | 3,109 |
| Noninterest income to average assets | 0.8303% | 1,639 |
| Noninterest expense to average assets | 3.3375% | 1,859 |
| Loan and lease loss provision to assets | 0.3771% | 450 |
| Net operating income to assets | 0.4294% | 5,014 |
| Return on assets (ROA) | 0.4279% | 5,077 |
| Pretax return on assets | 0.4944% | 5,188 |
| Return on Equity (ROE) | 3.8910% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.8910% | 3,783 |
| Net charge-offs to loans | 1.0647% | 310 |
| Credit loss provision to net charge-offs | 62.9540% | 2,079 |
| Earnings coverage of net charge-offs (x) | 1.4576% | 3,095 |
| Efficiency ratio | 79.0340% | 2,333 |
| Assets per employee ($millions) | 3.7100% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1130% | 1,298 |
| Loan loss allowance to noncurrent loans | 44.8748% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 3.1090% | 893 |
| Noncurrent loans to loans | 4.7086% | 496 |
| Net loans and leases to total assets | 54.6954% | 4,323 |
| Net loans and leases to deposits | 66.4519% | 4,034 |
| Net loans and leases to core deposits | 70.9425% | 3,989 |
| Total domestic deposits to total assets | 82.3083% | 4,849 |
| Equity capital to assets | 11.1608% | 2,565 |
| Core capital (leverage) ratio | 9.9382% | 3,650 |
| Tier 1 risk-based capital ratio | 17.7941% | 2,378 |
| Total risk-based capital ratio | 19.0528% | 2,345 |
| Memoranda: | ||
| Average total assets | $1,378,773,000 | 501 |
| Average earning assets | $1,281,337,000 | 487 |
| Average equity | $151,633,000 | 495 |
| Average total loans | $775,831,500 | 563 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 3,302 |
| Cost of funding earning assets | 0.4536% | 4,078 |
| Net interest margin | 3.7594% | 2,807 |
| Noninterest income to average assets | 0.7473% | 2,303 |
| Noninterest expense to average assets | 3.4076% | 1,864 |
| Loan and lease loss provision to assets | 0.7540% | 292 |
| Net operating income to assets | 0.1889% | 5,856 |
| Return on assets (ROA) | 0.2121% | 5,851 |
| Pretax return on assets | 0.0895% | 6,107 |
| Return on Equity (ROE) | 1.8883% | 5,878 |
| Retained earnings to average equity (ytd only) | -3.2959% | 6,285 |
| Net charge-offs to loans | 1.2958% | 394 |
| Credit loss provision to net charge-offs | 100.3758% | 2,407 |
| Earnings coverage of net charge-offs (x) | 1.0921% | 4,712 |
| Efficiency ratio | 80.3763% | 2,090 |
| Assets per employee ($millions) | 3.5877% | 4,717 |
| Cash dividends to net income (ytd only)* | 274.5424% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1630% | 1,229 |
| Loan loss allowance to noncurrent loans | 47.0086% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 3.0957% | 1,009 |
| Noncurrent loans to loans | 4.6013% | 570 |
| Net loans and leases to total assets | 55.4344% | 4,394 |
| Net loans and leases to deposits | 67.1904% | 4,163 |
| Net loans and leases to core deposits | 71.7551% | 4,102 |
| Total domestic deposits to total assets | 82.5034% | 4,711 |
| Equity capital to assets | 10.8359% | 2,781 |
| Core capital (leverage) ratio | 9.6683% | 4,029 |
| Tier 1 risk-based capital ratio | 17.1418% | 2,543 |
| Total risk-based capital ratio | 18.4000% | 2,516 |
| Memoranda: | ||
| Average total assets | $1,416,788,600 | 475 |
| Average earning assets | $1,311,743,800 | 469 |
| Average equity | $159,138,400 | 473 |
| Average total loans | $821,374,800 | 509 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 3,001 |
| Cost of funding earning assets | 0.4630% | 4,134 |
| Net interest margin | 3.8354% | 2,519 |
| Noninterest income to average assets | 0.8243% | 2,040 |
| Noninterest expense to average assets | 3.4517% | 1,713 |
| Loan and lease loss provision to assets | 0.6479% | 347 |
| Net operating income to assets | 0.2776% | 5,682 |
| Return on assets (ROA) | 0.2834% | 5,774 |
| Pretax return on assets | 0.2786% | 5,918 |
| Return on Equity (ROE) | 2.5013% | 5,780 |
| Retained earnings to average equity (ytd only) | 0.4361% | 5,796 |
| Net charge-offs to loans | 0.8789% | 663 |
| Credit loss provision to net charge-offs | 126.4658% | 1,861 |
| Earnings coverage of net charge-offs (x) | 1.7971% | 4,235 |
| Efficiency ratio | 78.7304% | 2,304 |
| Assets per employee ($millions) | 3.5939% | 4,659 |
| Cash dividends to net income (ytd only)* | 82.5628% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2896% | 1,198 |
| Loan loss allowance to noncurrent loans | 80.1159% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 2.5526% | 1,494 |
| Noncurrent loans to loans | 2.8579% | 1,443 |
| Net loans and leases to total assets | 56.1088% | 4,308 |
| Net loans and leases to deposits | 68.3644% | 4,021 |
| Net loans and leases to core deposits | 73.4985% | 3,906 |
| Total domestic deposits to total assets | 82.0731% | 4,903 |
| Equity capital to assets | 11.2540% | 2,507 |
| Core capital (leverage) ratio | 10.3214% | 3,209 |
| Tier 1 risk-based capital ratio | 17.7024% | 2,437 |
| Total risk-based capital ratio | 18.9662% | 2,397 |
| Memoranda: | ||
| Average total assets | $1,424,776,750 | 474 |
| Average earning assets | $1,318,050,750 | 473 |
| Average equity | $161,408,000 | 471 |
| Average total loans | $830,556,750 | 501 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 2,987 |
| Cost of funding earning assets | 0.4690% | 4,219 |
| Net interest margin | 3.8229% | 2,466 |
| Noninterest income to average assets | 0.8041% | 2,172 |
| Noninterest expense to average assets | 3.4405% | 1,737 |
| Loan and lease loss provision to assets | 0.6485% | 379 |
| Net operating income to assets | 0.2637% | 5,730 |
| Return on assets (ROA) | 0.2723% | 5,842 |
| Pretax return on assets | 0.2634% | 5,969 |
| Return on Equity (ROE) | 2.3985% | 5,835 |
| Retained earnings to average equity (ytd only) | 0.4325% | 5,721 |
| Net charge-offs to loans | 1.0343% | 585 |
| Credit loss provision to net charge-offs | 107.0458% | 2,071 |
| Earnings coverage of net charge-offs (x) | 1.4909% | 4,035 |
| Efficiency ratio | 78.9935% | 2,301 |
| Assets per employee ($millions) | 3.5927% | 4,644 |
| Cash dividends to net income (ytd only)* | 81.9672% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0912% | 1,647 |
| Loan loss allowance to noncurrent loans | 73.0691% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.5944% | 1,620 |
| Noncurrent loans to loans | 2.8619% | 1,577 |
| Net loans and leases to total assets | 57.0128% | 4,130 |
| Net loans and leases to deposits | 69.2081% | 3,830 |
| Net loans and leases to core deposits | 74.4779% | 3,732 |
| Total domestic deposits to total assets | 82.3787% | 4,919 |
| Equity capital to assets | 11.1448% | 2,617 |
| Core capital (leverage) ratio | 10.0500% | 3,447 |
| Tier 1 risk-based capital ratio | 17.2166% | 2,633 |
| Total risk-based capital ratio | 18.4782% | 2,599 |
| Memoranda: | ||
| Average total assets | $1,433,698,000 | 468 |
| Average earning assets | $1,327,457,330 | 464 |
| Average equity | $162,766,670 | 464 |
| Average total loans | $839,812,670 | 496 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 2,899 |
| Cost of funding earning assets | 0.4774% | 4,301 |
| Net interest margin | 3.8210% | 2,374 |
| Noninterest income to average assets | 0.8281% | 2,005 |
| Noninterest expense to average assets | 3.3447% | 1,972 |
| Loan and lease loss provision to assets | 0.5628% | 464 |
| Net operating income to assets | 0.4029% | 5,120 |
| Return on assets (ROA) | 0.4150% | 5,219 |
| Pretax return on assets | 0.4807% | 5,316 |
| Return on Equity (ROE) | 3.6232% | 5,287 |
| Retained earnings to average equity (ytd only) | 1.6869% | 5,142 |
| Net charge-offs to loans | 0.3016% | 1,758 |
| Credit loss provision to net charge-offs | 317.6839% | 763 |
| Earnings coverage of net charge-offs (x) | 5.8106% | 2,320 |
| Efficiency ratio | 76.2566% | 2,882 |
| Assets per employee ($millions) | 3.6560% | 4,658 |
| Cash dividends to net income (ytd only)* | 53.4402% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1815% | 1,624 |
| Loan loss allowance to noncurrent loans | 76.7616% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 2.3452% | 1,980 |
| Noncurrent loans to loans | 2.8420% | 1,781 |
| Net loans and leases to total assets | 56.8918% | 3,944 |
| Net loans and leases to deposits | 69.7931% | 3,515 |
| Net loans and leases to core deposits | 75.2952% | 3,416 |
| Total domestic deposits to total assets | 81.5149% | 5,356 |
| Equity capital to assets | 11.4414% | 2,469 |
| Core capital (leverage) ratio | 9.9449% | 3,466 |
| Tier 1 risk-based capital ratio | 16.9289% | 2,779 |
| Total risk-based capital ratio | 18.1942% | 2,751 |
| Memoranda: | ||
| Average total assets | $1,442,779,500 | 470 |
| Average earning assets | $1,338,925,000 | 462 |
| Average equity | $165,270,500 | 467 |
| Average total loans | $847,582,500 | 493 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5126% | 3,347 |
| Cost of funding earning assets | 0.6387% | 4,015 |
| Net interest margin | 3.8739% | 2,927 |
| Noninterest income to average assets | 0.7700% | 2,391 |
| Noninterest expense to average assets | 3.2255% | 2,532 |
| Loan and lease loss provision to assets | 0.3527% | 1,895 |
| Net operating income to assets | 0.6164% | 4,163 |
| Return on assets (ROA) | 0.6100% | 4,453 |
| Pretax return on assets | 0.7767% | 4,382 |
| Return on Equity (ROE) | 5.4798% | 4,437 |
| Retained earnings to average equity (ytd only) | 0.7427% | 5,491 |
| Net charge-offs to loans | 0.6666% | 1,767 |
| Credit loss provision to net charge-offs | 90.1391% | 3,473 |
| Earnings coverage of net charge-offs (x) | 2.9071% | 3,974 |
| Efficiency ratio | 73.4427% | 3,164 |
| Assets per employee ($millions) | 3.6678% | 4,631 |
| Cash dividends to net income (ytd only)* | 86.4473% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9798% | 2,071 |
| Loan loss allowance to noncurrent loans | 71.8310% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 2.2596% | 2,173 |
| Noncurrent loans to loans | 2.7561% | 1,919 |
| Net loans and leases to total assets | 58.1589% | 3,951 |
| Net loans and leases to deposits | 71.0907% | 3,549 |
| Net loans and leases to core deposits | 77.6950% | 3,301 |
| Total domestic deposits to total assets | 81.8094% | 5,162 |
| Equity capital to assets | 11.4686% | 2,479 |
| Core capital (leverage) ratio | 9.9191% | 3,517 |
| Tier 1 risk-based capital ratio | 16.6226% | 2,828 |
| Total risk-based capital ratio | 17.8858% | 2,797 |
| Memoranda: | ||
| Average total assets | $1,469,598,400 | 457 |
| Average earning assets | $1,363,021,800 | 450 |
| Average equity | $163,601,800 | 458 |
| Average total loans | $862,610,200 | 475 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5443% | 3,448 |
| Cost of funding earning assets | 0.6683% | 4,031 |
| Net interest margin | 3.8760% | 3,003 |
| Noninterest income to average assets | 0.7737% | 2,359 |
| Noninterest expense to average assets | 3.2299% | 2,480 |
| Loan and lease loss provision to assets | 0.1903% | 3,206 |
| Net operating income to assets | 0.7243% | 3,803 |
| Return on assets (ROA) | 0.7164% | 4,087 |
| Pretax return on assets | 0.9368% | 3,972 |
| Return on Equity (ROE) | 6.4829% | 4,073 |
| Retained earnings to average equity (ytd only) | 1.5803% | 5,548 |
| Net charge-offs to loans | 0.3322% | 2,800 |
| Credit loss provision to net charge-offs | 97.8644% | 3,057 |
| Earnings coverage of net charge-offs (x) | 5.8491% | 2,913 |
| Efficiency ratio | 73.3761% | 3,087 |
| Assets per employee ($millions) | 3.6328% | 4,695 |
| Cash dividends to net income (ytd only)* | 75.6239% | 758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0321% | 2,074 |
| Loan loss allowance to noncurrent loans | 62.5309% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.5745% | 2,050 |
| Noncurrent loans to loans | 3.2497% | 1,697 |
| Net loans and leases to total assets | 58.3423% | 4,075 |
| Net loans and leases to deposits | 71.6094% | 3,661 |
| Net loans and leases to core deposits | 78.6806% | 3,364 |
| Total domestic deposits to total assets | 81.4730% | 5,199 |
| Equity capital to assets | 11.4911% | 2,750 |
| Core capital (leverage) ratio | 9.8840% | 3,705 |
| Tier 1 risk-based capital ratio | 16.6889% | 2,904 |
| Total risk-based capital ratio | 17.9528% | 2,858 |
| Memoranda: | ||
| Average total assets | $1,476,640,250 | 452 |
| Average earning assets | $1,369,095,250 | 440 |
| Average equity | $163,174,250 | 453 |
| Average total loans | $864,449,750 | 475 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 3,545 |
| Cost of funding earning assets | 0.6998% | 4,015 |
| Net interest margin | 3.8551% | 3,115 |
| Noninterest income to average assets | 0.7819% | 2,278 |
| Noninterest expense to average assets | 3.1898% | 2,623 |
| Loan and lease loss provision to assets | 0.0527% | 5,007 |
| Net operating income to assets | 0.8260% | 3,273 |
| Return on assets (ROA) | 0.8190% | 3,564 |
| Pretax return on assets | 1.1052% | 3,287 |
| Return on Equity (ROE) | 7.5085% | 3,510 |
| Retained earnings to average equity (ytd only) | 0.1158% | 6,002 |
| Net charge-offs to loans | 0.2976% | 2,833 |
| Credit loss provision to net charge-offs | 30.4112% | 4,436 |
| Earnings coverage of net charge-offs (x) | 6.7378% | 2,588 |
| Efficiency ratio | 72.4513% | 3,351 |
| Assets per employee ($millions) | 3.8969% | 4,082 |
| Cash dividends to net income (ytd only)* | 98.4575% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 2,418 |
| Loan loss allowance to noncurrent loans | 62.1798% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 2.6496% | 2,086 |
| Noncurrent loans to loans | 3.1190% | 1,879 |
| Net loans and leases to total assets | 56.9878% | 4,328 |
| Net loans and leases to deposits | 69.5423% | 3,963 |
| Net loans and leases to core deposits | 75.5589% | 3,807 |
| Total domestic deposits to total assets | 81.9469% | 5,154 |
| Equity capital to assets | 11.0612% | 3,053 |
| Core capital (leverage) ratio | 9.5563% | 4,069 |
| Tier 1 risk-based capital ratio | 16.2021% | 3,066 |
| Total risk-based capital ratio | 17.4636% | 3,023 |
| Memoranda: | ||
| Average total assets | $1,488,118,000 | 451 |
| Average earning assets | $1,380,044,670 | 441 |
| Average equity | $162,323,670 | 454 |
| Average total loans | $866,309,670 | 474 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 3,513 |
| Cost of funding earning assets | 0.7346% | 3,991 |
| Net interest margin | 3.8630% | 3,084 |
| Noninterest income to average assets | 0.7552% | 2,371 |
| Noninterest expense to average assets | 3.1986% | 2,606 |
| Loan and lease loss provision to assets | -0.0883% | 7,173 |
| Net operating income to assets | 0.8990% | 2,920 |
| Return on assets (ROA) | 0.8927% | 3,174 |
| Pretax return on assets | 1.2185% | 2,842 |
| Return on Equity (ROE) | 8.2410% | 3,176 |
| Retained earnings to average equity (ytd only) | 5.7722% | 3,097 |
| Net charge-offs to loans | 0.2694% | 2,589 |
| Credit loss provision to net charge-offs | -56.2181% | 5,432 |
| Earnings coverage of net charge-offs (x) | 7.2538% | 2,096 |
| Efficiency ratio | 72.4319% | 3,357 |
| Assets per employee ($millions) | 3.8133% | 4,398 |
| Cash dividends to net income (ytd only)* | 29.9581% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9106% | 2,648 |
| Loan loss allowance to noncurrent loans | 63.0950% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.5797% | 2,295 |
| Noncurrent loans to loans | 3.0281% | 2,136 |
| Net loans and leases to total assets | 56.9525% | 4,224 |
| Net loans and leases to deposits | 69.5460% | 3,797 |
| Net loans and leases to core deposits | 75.5552% | 3,679 |
| Total domestic deposits to total assets | 81.8918% | 5,333 |
| Equity capital to assets | 10.9357% | 2,984 |
| Core capital (leverage) ratio | 9.6381% | 3,863 |
| Tier 1 risk-based capital ratio | 16.2755% | 3,032 |
| Total risk-based capital ratio | 17.5362% | 2,986 |
| Memoranda: | ||
| Average total assets | $1,495,667,500 | 448 |
| Average earning assets | $1,386,899,500 | 440 |
| Average equity | $162,018,500 | 456 |
| Average total loans | $871,443,000 | 471 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7452% | 4,053 |
| Cost of funding earning assets | 1.0172% | 3,255 |
| Net interest margin | 3.7281% | 4,165 |
| Noninterest income to average assets | 0.7461% | 2,358 |
| Noninterest expense to average assets | 3.1423% | 3,056 |
| Loan and lease loss provision to assets | 0.2905% | 3,340 |
| Net operating income to assets | 0.5819% | 4,090 |
| Return on assets (ROA) | 0.5831% | 4,265 |
| Pretax return on assets | 0.7642% | 4,102 |
| Return on Equity (ROE) | 5.7773% | 3,985 |
| Retained earnings to average equity (ytd only) | 3.3905% | 3,808 |
| Net charge-offs to loans | 0.4206% | 3,324 |
| Credit loss provision to net charge-offs | 120.8559% | 2,628 |
| Earnings coverage of net charge-offs (x) | 4.3814% | 3,133 |
| Efficiency ratio | 73.5735% | 3,295 |
| Assets per employee ($millions) | 3.9486% | 3,969 |
| Cash dividends to net income (ytd only)* | 41.3131% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 2,279 |
| Loan loss allowance to noncurrent loans | 62.3939% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 2.6352% | 2,307 |
| Noncurrent loans to loans | 3.2053% | 2,018 |
| Net loans and leases to total assets | 57.2976% | 4,499 |
| Net loans and leases to deposits | 69.9738% | 4,106 |
| Net loans and leases to core deposits | 76.2474% | 3,949 |
| Total domestic deposits to total assets | 81.8844% | 5,168 |
| Equity capital to assets | 10.7294% | 3,275 |
| Core capital (leverage) ratio | 9.4284% | 4,146 |
| Tier 1 risk-based capital ratio | 15.9581% | 3,074 |
| Total risk-based capital ratio | 17.2217% | 3,024 |
| Memoranda: | ||
| Average total assets | $1,535,936,800 | 431 |
| Average earning assets | $1,421,090,400 | 419 |
| Average equity | $155,019,200 | 453 |
| Average total loans | $877,741,800 | 479 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 4,153 |
| Cost of funding earning assets | 1.0853% | 3,076 |
| Net interest margin | 3.6827% | 4,419 |
| Noninterest income to average assets | 0.7615% | 2,251 |
| Noninterest expense to average assets | 3.2016% | 2,830 |
| Loan and lease loss provision to assets | 0.2622% | 3,406 |
| Net operating income to assets | 0.5417% | 4,355 |
| Return on assets (ROA) | 0.5424% | 4,536 |
| Pretax return on assets | 0.7043% | 4,464 |
| Return on Equity (ROE) | 5.4579% | 4,306 |
| Retained earnings to average equity (ytd only) | 3.2883% | 4,377 |
| Net charge-offs to loans | 0.1422% | 4,642 |
| Credit loss provision to net charge-offs | 324.4397% | 861 |
| Earnings coverage of net charge-offs (x) | 11.9467% | 1,756 |
| Efficiency ratio | 75.5071% | 2,917 |
| Assets per employee ($millions) | 3.7229% | 4,486 |
| Cash dividends to net income (ytd only)* | 39.7520% | 2,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1516% | 1,960 |
| Loan loss allowance to noncurrent loans | 75.5738% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 2.5056% | 2,582 |
| Noncurrent loans to loans | 2.8470% | 2,448 |
| Net loans and leases to total assets | 57.2275% | 4,637 |
| Net loans and leases to deposits | 69.9614% | 4,306 |
| Net loans and leases to core deposits | 76.5135% | 4,130 |
| Total domestic deposits to total assets | 81.7987% | 5,161 |
| Equity capital to assets | 10.6160% | 3,554 |
| Core capital (leverage) ratio | 9.0857% | 4,801 |
| Tier 1 risk-based capital ratio | 15.4800% | 3,399 |
| Total risk-based capital ratio | 16.7498% | 3,359 |
| Memoranda: | ||
| Average total assets | $1,545,786,750 | 432 |
| Average earning assets | $1,429,439,750 | 416 |
| Average equity | $153,631,500 | 463 |
| Average total loans | $878,432,500 | 480 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 4,117 |
| Cost of funding earning assets | 1.1525% | 2,884 |
| Net interest margin | 3.6420% | 4,553 |
| Noninterest income to average assets | 0.7235% | 2,416 |
| Noninterest expense to average assets | 3.1665% | 3,023 |
| Loan and lease loss provision to assets | 0.2453% | 3,454 |
| Net operating income to assets | 0.5270% | 4,388 |
| Return on assets (ROA) | 0.5295% | 4,522 |
| Pretax return on assets | 0.6830% | 4,451 |
| Return on Equity (ROE) | 5.4463% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.7879% | 3,134 |
| Net charge-offs to loans | 0.1094% | 4,601 |
| Credit loss provision to net charge-offs | 398.3368% | 759 |
| Earnings coverage of net charge-offs (x) | 15.0229% | 1,438 |
| Efficiency ratio | 76.0568% | 3,001 |
| Assets per employee ($millions) | 3.7078% | 4,422 |
| Cash dividends to net income (ytd only)* | 12.0890% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0894% | 2,137 |
| Loan loss allowance to noncurrent loans | 95.2244% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 2.0305% | 3,192 |
| Noncurrent loans to loans | 2.1942% | 3,230 |
| Net loans and leases to total assets | 55.7233% | 5,034 |
| Net loans and leases to deposits | 67.9717% | 4,712 |
| Net loans and leases to core deposits | 74.3496% | 4,536 |
| Total domestic deposits to total assets | 81.9800% | 5,175 |
| Equity capital to assets | 10.2492% | 3,817 |
| Core capital (leverage) ratio | 8.8143% | 5,021 |
| Tier 1 risk-based capital ratio | 15.3136% | 3,342 |
| Total risk-based capital ratio | 16.5855% | 3,280 |
| Memoranda: | ||
| Average total assets | $1,562,177,000 | 433 |
| Average earning assets | $1,444,711,000 | 416 |
| Average equity | $151,881,670 | 469 |
| Average total loans | $879,473,670 | 487 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 4,015 |
| Cost of funding earning assets | 1.2172% | 2,707 |
| Net interest margin | 3.5926% | 4,601 |
| Noninterest income to average assets | 0.7562% | 2,234 |
| Noninterest expense to average assets | 3.0861% | 3,309 |
| Loan and lease loss provision to assets | 0.2264% | 3,395 |
| Net operating income to assets | 0.5839% | 4,119 |
| Return on assets (ROA) | 0.5794% | 4,207 |
| Pretax return on assets | 0.7625% | 4,043 |
| Return on Equity (ROE) | 6.1201% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.7827% | 3,314 |
| Net charge-offs to loans | 0.0886% | 4,064 |
| Credit loss provision to net charge-offs | 456.1224% | 770 |
| Earnings coverage of net charge-offs (x) | 20.0408% | 1,118 |
| Efficiency ratio | 74.3018% | 3,465 |
| Assets per employee ($millions) | 4.0289% | 3,782 |
| Cash dividends to net income (ytd only)* | 21.8531% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9875% | 2,452 |
| Loan loss allowance to noncurrent loans | 85.1434% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 2.0081% | 3,308 |
| Noncurrent loans to loans | 2.3343% | 3,158 |
| Net loans and leases to total assets | 54.6975% | 5,210 |
| Net loans and leases to deposits | 66.6958% | 4,878 |
| Net loans and leases to core deposits | 73.5588% | 4,582 |
| Total domestic deposits to total assets | 82.0105% | 5,314 |
| Equity capital to assets | 9.5670% | 4,346 |
| Core capital (leverage) ratio | 8.4691% | 5,516 |
| Tier 1 risk-based capital ratio | 15.1477% | 3,345 |
| Total risk-based capital ratio | 16.4122% | 3,296 |
| Memoranda: | ||
| Average total assets | $1,579,465,000 | 435 |
| Average earning assets | $1,461,688,500 | 418 |
| Average equity | $149,539,000 | 473 |
| Average total loans | $884,513,500 | 494 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1476% | 3,866 |
| Cost of funding earning assets | 1.5887% | 2,137 |
| Net interest margin | 3.5589% | 5,003 |
| Noninterest income to average assets | 0.5893% | 3,543 |
| Noninterest expense to average assets | 3.0069% | 3,830 |
| Loan and lease loss provision to assets | 0.3997% | 3,719 |
| Net operating income to assets | 0.4101% | 4,496 |
| Return on assets (ROA) | 0.4146% | 4,616 |
| Pretax return on assets | 0.4750% | 4,705 |
| Return on Equity (ROE) | 4.3579% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.3307% | 4,246 |
| Net charge-offs to loans | 0.6518% | 3,055 |
| Credit loss provision to net charge-offs | 106.5661% | 4,184 |
| Earnings coverage of net charge-offs (x) | 2.3184% | 3,986 |
| Efficiency ratio | 76.1549% | 3,035 |
| Assets per employee ($millions) | 3.9202% | 3,965 |
| Cash dividends to net income (ytd only)* | 46.5188% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 2,630 |
| Loan loss allowance to noncurrent loans | 101.8446% | 2,852 |
| Noncurrent assets plus other real estate owned to assets | 1.7807% | 3,644 |
| Noncurrent loans to loans | 1.8411% | 3,763 |
| Net loans and leases to total assets | 55.1393% | 5,467 |
| Net loans and leases to deposits | 67.3224% | 5,194 |
| Net loans and leases to core deposits | 74.2354% | 4,947 |
| Total domestic deposits to total assets | 81.9033% | 5,214 |
| Equity capital to assets | 9.3695% | 4,589 |
| Core capital (leverage) ratio | 8.4024% | 5,529 |
| Tier 1 risk-based capital ratio | 14.6226% | 3,463 |
| Total risk-based capital ratio | 15.8805% | 3,424 |
| Memoranda: | ||
| Average total assets | $1,555,305,200 | 442 |
| Average earning assets | $1,436,501,400 | 426 |
| Average equity | $147,983,200 | 462 |
| Average total loans | $894,938,800 | 503 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 3,854 |
| Cost of funding earning assets | 1.6453% | 2,133 |
| Net interest margin | 3.5505% | 5,110 |
| Noninterest income to average assets | 0.6316% | 3,240 |
| Noninterest expense to average assets | 2.9735% | 3,842 |
| Loan and lease loss provision to assets | 0.2497% | 4,592 |
| Net operating income to assets | 0.5372% | 4,150 |
| Return on assets (ROA) | 0.5444% | 4,283 |
| Pretax return on assets | 0.6962% | 4,241 |
| Return on Equity (ROE) | 5.6998% | 3,959 |
| Retained earnings to average equity (ytd only) | 4.2564% | 3,493 |
| Net charge-offs to loans | 0.4046% | 3,672 |
| Credit loss provision to net charge-offs | 106.6225% | 4,013 |
| Earnings coverage of net charge-offs (x) | 3.9989% | 3,224 |
| Efficiency ratio | 74.6380% | 3,209 |
| Assets per employee ($millions) | 3.9517% | 3,934 |
| Cash dividends to net income (ytd only)* | 25.3245% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 2,650 |
| Loan loss allowance to noncurrent loans | 109.2917% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 1.6681% | 3,946 |
| Noncurrent loans to loans | 1.6870% | 4,110 |
| Net loans and leases to total assets | 55.7986% | 5,572 |
| Net loans and leases to deposits | 68.6368% | 5,333 |
| Net loans and leases to core deposits | 75.6625% | 5,095 |
| Total domestic deposits to total assets | 81.2954% | 5,266 |
| Equity capital to assets | 9.8499% | 4,348 |
| Core capital (leverage) ratio | 8.5427% | 5,430 |
| Tier 1 risk-based capital ratio | 14.5635% | 3,477 |
| Total risk-based capital ratio | 15.8204% | 3,443 |
| Memoranda: | ||
| Average total assets | $1,547,212,000 | 440 |
| Average earning assets | $1,428,710,250 | 425 |
| Average equity | $147,789,750 | 459 |
| Average total loans | $895,632,750 | 499 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2332% | 3,790 |
| Cost of funding earning assets | 1.6887% | 2,174 |
| Net interest margin | 3.5445% | 5,068 |
| Noninterest income to average assets | 0.6620% | 2,944 |
| Noninterest expense to average assets | 2.9963% | 3,726 |
| Loan and lease loss provision to assets | 0.3159% | 3,852 |
| Net operating income to assets | 0.4956% | 4,348 |
| Return on assets (ROA) | 0.5015% | 4,470 |
| Pretax return on assets | 0.6252% | 4,486 |
| Return on Equity (ROE) | 5.3068% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.9302% | 3,583 |
| Net charge-offs to loans | 0.5126% | 2,994 |
| Credit loss provision to net charge-offs | 105.7952% | 3,853 |
| Earnings coverage of net charge-offs (x) | 3.1272% | 3,438 |
| Efficiency ratio | 74.8320% | 3,296 |
| Assets per employee ($millions) | 3.8305% | 4,155 |
| Cash dividends to net income (ytd only)* | 25.9403% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 2,595 |
| Loan loss allowance to noncurrent loans | 127.1605% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 1.6305% | 3,994 |
| Noncurrent loans to loans | 1.4481% | 4,539 |
| Net loans and leases to total assets | 56.2092% | 5,672 |
| Net loans and leases to deposits | 68.7272% | 5,455 |
| Net loans and leases to core deposits | 75.8602% | 5,211 |
| Total domestic deposits to total assets | 81.7859% | 5,076 |
| Equity capital to assets | 9.6075% | 4,534 |
| Core capital (leverage) ratio | 8.4320% | 5,527 |
| Tier 1 risk-based capital ratio | 13.8826% | 3,816 |
| Total risk-based capital ratio | 15.1390% | 3,772 |
| Memoranda: | ||
| Average total assets | $1,537,378,000 | 443 |
| Average earning assets | $1,417,402,000 | 432 |
| Average equity | $145,284,670 | 466 |
| Average total loans | $895,407,000 | 501 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2807% | 3,641 |
| Cost of funding earning assets | 1.7554% | 2,100 |
| Net interest margin | 3.5253% | 5,058 |
| Noninterest income to average assets | 0.6297% | 3,087 |
| Noninterest expense to average assets | 3.0415% | 3,515 |
| Loan and lease loss provision to assets | 0.3762% | 3,112 |
| Net operating income to assets | 0.3942% | 4,861 |
| Return on assets (ROA) | 0.4056% | 4,958 |
| Pretax return on assets | 0.4680% | 5,065 |
| Return on Equity (ROE) | 4.3290% | 4,748 |
| Retained earnings to average equity (ytd only) | 2.9289% | 4,371 |
| Net charge-offs to loans | 0.6699% | 2,152 |
| Credit loss provision to net charge-offs | 95.6000% | 3,536 |
| Earnings coverage of net charge-offs (x) | 2.1120% | 3,486 |
| Efficiency ratio | 77.0950% | 3,047 |
| Assets per employee ($millions) | 3.7953% | 4,327 |
| Cash dividends to net income (ytd only)* | 32.3415% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 2,634 |
| Loan loss allowance to noncurrent loans | 120.6194% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 4,019 |
| Noncurrent loans to loans | 1.5180% | 4,470 |
| Net loans and leases to total assets | 56.9269% | 5,621 |
| Net loans and leases to deposits | 69.2574% | 5,436 |
| Net loans and leases to core deposits | 76.1859% | 5,234 |
| Total domestic deposits to total assets | 82.1961% | 4,981 |
| Equity capital to assets | 9.3673% | 4,730 |
| Core capital (leverage) ratio | 8.4592% | 5,444 |
| Tier 1 risk-based capital ratio | 13.7193% | 3,852 |
| Total risk-based capital ratio | 14.9755% | 3,799 |
| Memoranda: | ||
| Average total assets | $1,524,637,500 | 459 |
| Average earning assets | $1,402,554,500 | 452 |
| Average equity | $142,851,500 | 477 |
| Average total loans | $895,635,500 | 522 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5910% | 3,655 |
| Cost of funding earning assets | 2.1113% | 2,408 |
| Net interest margin | 3.4796% | 5,042 |
| Noninterest income to average assets | 0.6337% | 3,401 |
| Noninterest expense to average assets | 3.0843% | 3,816 |
| Loan and lease loss provision to assets | 0.3384% | 4,771 |
| Net operating income to assets | 0.3930% | 4,154 |
| Return on assets (ROA) | 0.3635% | 4,374 |
| Pretax return on assets | 0.3793% | 4,553 |
| Return on Equity (ROE) | 3.7665% | 4,174 |
| Retained earnings to average equity (ytd only) | 1.4755% | 4,032 |
| Net charge-offs to loans | 0.4480% | 3,990 |
| Credit loss provision to net charge-offs | 120.3144% | 4,452 |
| Earnings coverage of net charge-offs (x) | 2.6608% | 3,784 |
| Efficiency ratio | 78.9346% | 3,053 |
| Assets per employee ($millions) | 3.7432% | 4,414 |
| Cash dividends to net income (ytd only)* | 60.8249% | 1,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 2,506 |
| Loan loss allowance to noncurrent loans | 106.0327% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 1.7440% | 3,751 |
| Noncurrent loans to loans | 1.7088% | 4,073 |
| Net loans and leases to total assets | 58.4300% | 5,591 |
| Net loans and leases to deposits | 71.0768% | 5,458 |
| Net loans and leases to core deposits | 98.5469% | 4,172 |
| Total domestic deposits to total assets | 82.2069% | 4,861 |
| Equity capital to assets | 9.3718% | 4,603 |
| Core capital (leverage) ratio | 8.9314% | 4,537 |
| Tier 1 risk-based capital ratio | 13.7544% | 3,655 |
| Total risk-based capital ratio | 15.0088% | 3,596 |
| Memoranda: | ||
| Average total assets | $1,447,270,200 | 471 |
| Average earning assets | $1,330,572,200 | 466 |
| Average equity | $139,679,800 | 482 |
| Average total loans | $908,805,400 | 524 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6646% | 3,501 |
| Cost of funding earning assets | 2.1803% | 2,494 |
| Net interest margin | 3.4843% | 4,929 |
| Noninterest income to average assets | 0.6505% | 3,346 |
| Noninterest expense to average assets | 3.1053% | 3,635 |
| Loan and lease loss provision to assets | 0.1917% | 5,462 |
| Net operating income to assets | 0.4688% | 4,127 |
| Return on assets (ROA) | 0.4309% | 4,376 |
| Pretax return on assets | 0.5122% | 4,480 |
| Return on Equity (ROE) | 4.4309% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.8012% | 3,765 |
| Net charge-offs to loans | 0.2803% | 4,278 |
| Credit loss provision to net charge-offs | 107.4190% | 4,731 |
| Earnings coverage of net charge-offs (x) | 4.1975% | 3,225 |
| Efficiency ratio | 79.0208% | 2,992 |
| Assets per employee ($millions) | 3.6138% | 4,649 |
| Cash dividends to net income (ytd only)* | 36.7806% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7185% | 2,554 |
| Loan loss allowance to noncurrent loans | 81.1871% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.8632% | 3,566 |
| Noncurrent loans to loans | 2.1167% | 3,487 |
| Net loans and leases to total assets | 61.1947% | 5,386 |
| Net loans and leases to deposits | 74.8797% | 5,234 |
| Net loans and leases to core deposits | 103.6997% | 3,975 |
| Total domestic deposits to total assets | 81.7240% | 4,798 |
| Equity capital to assets | 9.8624% | 4,249 |
| Core capital (leverage) ratio | 9.1460% | 4,420 |
| Tier 1 risk-based capital ratio | 14.0187% | 3,540 |
| Total risk-based capital ratio | 15.2743% | 3,488 |
| Memoranda: | ||
| Average total assets | $1,430,090,500 | 490 |
| Average earning assets | $1,314,966,000 | 481 |
| Average equity | $139,080,750 | 494 |
| Average total loans | $910,472,000 | 535 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 3,781 |
| Cost of funding earning assets | 2.2200% | 2,705 |
| Net interest margin | 3.4382% | 5,036 |
| Noninterest income to average assets | 0.6468% | 3,366 |
| Noninterest expense to average assets | 3.1422% | 3,530 |
| Loan and lease loss provision to assets | 0.1098% | 6,057 |
| Net operating income to assets | 0.4677% | 4,228 |
| Return on assets (ROA) | 0.4251% | 4,511 |
| Pretax return on assets | 0.5090% | 4,592 |
| Return on Equity (ROE) | 4.3925% | 4,345 |
| Retained earnings to average equity (ytd only) | 1.9166% | 4,276 |
| Net charge-offs to loans | 0.1536% | 4,659 |
| Credit loss provision to net charge-offs | 111.4449% | 4,155 |
| Earnings coverage of net charge-offs (x) | 6.7954% | 2,544 |
| Efficiency ratio | 80.8601% | 2,909 |
| Assets per employee ($millions) | 3.4373% | 4,984 |
| Cash dividends to net income (ytd only)* | 56.3660% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7123% | 2,293 |
| Loan loss allowance to noncurrent loans | 80.1634% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 2.0323% | 3,156 |
| Noncurrent loans to loans | 2.1360% | 3,325 |
| Net loans and leases to total assets | 62.1725% | 5,329 |
| Net loans and leases to deposits | 76.1697% | 5,144 |
| Net loans and leases to core deposits | 105.3534% | 3,914 |
| Total domestic deposits to total assets | 81.6236% | 4,848 |
| Equity capital to assets | 9.5534% | 4,544 |
| Core capital (leverage) ratio | 9.1393% | 4,403 |
| Tier 1 risk-based capital ratio | 13.6952% | 3,692 |
| Total risk-based capital ratio | 14.9503% | 3,616 |
| Memoranda: | ||
| Average total assets | $1,418,922,000 | 504 |
| Average earning assets | $1,306,148,000 | 494 |
| Average equity | $137,325,670 | 509 |
| Average total loans | $910,194,670 | 549 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7149% | 3,720 |
| Cost of funding earning assets | 2.2555% | 2,901 |
| Net interest margin | 3.4594% | 4,898 |
| Noninterest income to average assets | 0.5959% | 3,579 |
| Noninterest expense to average assets | 3.0713% | 3,486 |
| Loan and lease loss provision to assets | 0.1040% | 5,639 |
| Net operating income to assets | 0.4966% | 4,436 |
| Return on assets (ROA) | 0.4104% | 4,996 |
| Pretax return on assets | 0.4979% | 5,083 |
| Return on Equity (ROE) | 4.2130% | 4,837 |
| Retained earnings to average equity (ytd only) | -0.7435% | 5,825 |
| Net charge-offs to loans | 0.1108% | 4,081 |
| Credit loss provision to net charge-offs | 145.2381% | 2,843 |
| Earnings coverage of net charge-offs (x) | 9.8770% | 2,005 |
| Efficiency ratio | 79.6873% | 2,863 |
| Assets per employee ($millions) | 3.4588% | 4,918 |
| Cash dividends to net income (ytd only)* | 117.6471% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7198% | 2,074 |
| Loan loss allowance to noncurrent loans | 92.7059% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.8943% | 3,068 |
| Noncurrent loans to loans | 1.8551% | 3,480 |
| Net loans and leases to total assets | 62.9969% | 5,164 |
| Net loans and leases to deposits | 77.0106% | 5,084 |
| Net loans and leases to core deposits | 107.4717% | 3,745 |
| Total domestic deposits to total assets | 81.8029% | 4,635 |
| Equity capital to assets | 9.6476% | 4,457 |
| Core capital (leverage) ratio | 9.2329% | 4,361 |
| Tier 1 risk-based capital ratio | 13.5761% | 3,816 |
| Total risk-based capital ratio | 14.8314% | 3,736 |
| Memoranda: | ||
| Average total assets | $1,408,277,500 | 510 |
| Average earning assets | $1,295,497,000 | 502 |
| Average equity | $137,194,000 | 506 |
| Average total loans | $909,785,000 | 554 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4911% | 3,007 |
| Cost of funding earning assets | 2.7228% | 3,049 |
| Net interest margin | 3.7683% | 4,143 |
| Noninterest income to average assets | 0.6312% | 3,624 |
| Noninterest expense to average assets | 3.0921% | 3,725 |
| Loan and lease loss provision to assets | 0.6159% | 2,363 |
| Net operating income to assets | 0.4752% | 4,846 |
| Return on assets (ROA) | 0.1049% | 5,940 |
| Pretax return on assets | 0.0374% | 6,083 |
| Return on Equity (ROE) | 1.0438% | 5,905 |
| Retained earnings to average equity (ytd only) | -0.0875% | 5,294 |
| Net charge-offs to loans | 0.9650% | 1,278 |
| Credit loss provision to net charge-offs | 95.9721% | 5,510 |
| Earnings coverage of net charge-offs (x) | 1.5951% | 5,296 |
| Efficiency ratio | 73.6808% | 3,631 |
| Assets per employee ($millions) | 3.3617% | 5,062 |
| Cash dividends to net income (ytd only)* | 108.3815% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7044% | 1,895 |
| Loan loss allowance to noncurrent loans | 86.3662% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.9031% | 2,580 |
| Noncurrent loans to loans | 1.9735% | 2,795 |
| Net loans and leases to total assets | 64.0033% | 5,276 |
| Net loans and leases to deposits | 78.0848% | 5,326 |
| Net loans and leases to core deposits | 107.9962% | 3,971 |
| Total domestic deposits to total assets | 81.9664% | 4,218 |
| Equity capital to assets | 9.8377% | 4,243 |
| Core capital (leverage) ratio | 9.5595% | 3,928 |
| Tier 1 risk-based capital ratio | 13.6376% | 3,729 |
| Total risk-based capital ratio | 14.8928% | 3,639 |
| Memoranda: | ||
| Average total assets | $1,319,201,200 | 516 |
| Average earning assets | $1,219,869,000 | 510 |
| Average equity | $132,593,000 | 527 |
| Average total loans | $877,336,000 | 559 |