Home > Equity Bank > Performance and Condition Ratios
Equity 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 | 5.4133% | 1,287 |
| Cost of funding earning assets | 1.7602% | 1,324 |
| Net interest margin | 3.6531% | 1,853 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 2.6395% | 1,892 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.3213% | 1,392 |
| Return on assets (ROA) | 0.2909% | 4,042 |
| Pretax return on assets | 0.2252% | 4,171 |
| Return on Equity (ROE) | 2.9100% | 4,033 |
| Retained earnings to average equity (ytd only) | -3.5400% | 4,353 |
| Net charge-offs to loans | 0.1266% | 779 |
| Credit loss provision to net charge-offs | 44.5952% | 2,216 |
| Earnings coverage of net charge-offs (x) | 15.5712% | 2,039 |
| Efficiency ratio | 65.3103% | 2,442 |
| Assets per employee ($millions) | 7.0516% | 2,040 |
| Cash dividends to net income (ytd only)* | 221.7522% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 1,736 |
| Loan loss allowance to noncurrent loans | 171.4736% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 1,029 |
| Noncurrent loans to loans | 0.7614% | 1,022 |
| Net loans and leases to total assets | 65.4300% | 2,320 |
| Net loans and leases to deposits | 79.0478% | 2,181 |
| Net loans and leases to core deposits | 87.2548% | 2,230 |
| Total domestic deposits to total assets | 82.7800% | 2,946 |
| Equity capital to assets | 10.5668% | 1,699 |
| Core capital (leverage) ratio | 10.6004% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0508% | 1,521 |
| Memoranda: | ||
| Average total assets | $5,037,943,200 | 272 |
| Average earning assets | $4,545,856,400 | 271 |
| Average equity | $504,071,200 | 260 |
| Average total loans | $3,316,882,400 | 277 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3300% | 1,241 |
| Cost of funding earning assets | 1.6734% | 1,227 |
| Net interest margin | 3.6566% | 1,870 |
| Noninterest income to average assets | 0.6700% | 1,281 |
| Noninterest expense to average assets | 2.6188% | 1,881 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.1118% | 2,015 |
| Return on assets (ROA) | 1.0831% | 2,095 |
| Pretax return on assets | 1.2819% | 2,091 |
| Return on Equity (ROE) | 10.9800% | 2,377 |
| Retained earnings to average equity (ytd only) | 2.2648% | 3,675 |
| Net charge-offs to loans | 0.1136% | 705 |
| Credit loss provision to net charge-offs | 41.1619% | 1,928 |
| Earnings coverage of net charge-offs (x) | 18.0723% | 1,880 |
| Efficiency ratio | 64.2141% | 2,472 |
| Assets per employee ($millions) | 6.9806% | 1,973 |
| Cash dividends to net income (ytd only)* | 79.3709% | 475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 1,665 |
| Loan loss allowance to noncurrent loans | 216.9383% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4803% | 1,203 |
| Noncurrent loans to loans | 0.6205% | 1,311 |
| Net loans and leases to total assets | 65.5300% | 2,285 |
| Net loans and leases to deposits | 78.8859% | 2,156 |
| Net loans and leases to core deposits | 86.5343% | 2,154 |
| Total domestic deposits to total assets | 83.0700% | 3,004 |
| Equity capital to assets | 9.9610% | 1,855 |
| Core capital (leverage) ratio | 10.8014% | 2,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8834% | 1,352 |
| Memoranda: | ||
| Average total assets | $5,040,486,500 | 274 |
| Average earning assets | $4,551,072,250 | 273 |
| Average equity | $497,271,000 | 266 |
| Average total loans | $3,312,758,750 | 275 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 1,341 |
| Cost of funding earning assets | 1.5262% | 1,199 |
| Net interest margin | 3.5889% | 2,061 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.5819% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1149% | 2,082 |
| Return on assets (ROA) | 1.0722% | 2,198 |
| Pretax return on assets | 1.2713% | 2,156 |
| Return on Equity (ROE) | 10.9000% | 2,444 |
| Retained earnings to average equity (ytd only) | 0.8807% | 3,932 |
| Net charge-offs to loans | 0.0743% | 829 |
| Credit loss provision to net charge-offs | -5.5061% | 4,498 |
| Earnings coverage of net charge-offs (x) | 27.1360% | 1,596 |
| Efficiency ratio | 64.2739% | 2,452 |
| Assets per employee ($millions) | 7.3775% | 1,684 |
| Cash dividends to net income (ytd only)* | 91.9219% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 1,754 |
| Loan loss allowance to noncurrent loans | 297.3962% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3799% | 1,402 |
| Noncurrent loans to loans | 0.4504% | 1,591 |
| Net loans and leases to total assets | 64.4500% | 2,342 |
| Net loans and leases to deposits | 77.2481% | 2,196 |
| Net loans and leases to core deposits | 85.7019% | 2,091 |
| Total domestic deposits to total assets | 83.4300% | 2,954 |
| Equity capital to assets | 9.7769% | 1,987 |
| Core capital (leverage) ratio | 10.6473% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5388% | 1,417 |
| Memoranda: | ||
| Average total assets | $5,073,238,667 | 266 |
| Average earning assets | $4,587,831,333 | 266 |
| Average equity | $498,929,667 | 260 |
| Average total loans | $3,322,763,333 | 264 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 1,413 |
| Cost of funding earning assets | 1.3227% | 1,181 |
| Net interest margin | 3.5750% | 2,180 |
| Noninterest income to average assets | 0.6800% | 1,161 |
| Noninterest expense to average assets | 2.5957% | 1,962 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.0975% | 2,239 |
| Return on assets (ROA) | 1.0995% | 2,194 |
| Pretax return on assets | 1.3376% | 2,065 |
| Return on Equity (ROE) | 11.1500% | 2,452 |
| Retained earnings to average equity (ytd only) | 3.1404% | 3,473 |
| Net charge-offs to loans | 0.0455% | 901 |
| Credit loss provision to net charge-offs | -96.8254% | 4,591 |
| Earnings coverage of net charge-offs (x) | 44.1005% | 1,142 |
| Efficiency ratio | 64.4723% | 2,392 |
| Assets per employee ($millions) | 7.2367% | 1,793 |
| Cash dividends to net income (ytd only)* | 71.8288% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3539% | 1,801 |
| Loan loss allowance to noncurrent loans | 269.6097% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 1,273 |
| Noncurrent loans to loans | 0.5022% | 1,460 |
| Net loans and leases to total assets | 63.7800% | 2,269 |
| Net loans and leases to deposits | 76.3957% | 2,082 |
| Net loans and leases to core deposits | 86.4361% | 1,838 |
| Total domestic deposits to total assets | 83.4800% | 3,203 |
| Equity capital to assets | 9.8659% | 1,891 |
| Core capital (leverage) ratio | 10.8034% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6576% | 1,449 |
| Memoranda: | ||
| Average total assets | $5,064,630,000 | 278 |
| Average earning assets | $4,582,051,000 | 275 |
| Average equity | $499,549,000 | 263 |
| Average total loans | $3,321,582,000 | 272 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 1,374 |
| Cost of funding earning assets | 0.4095% | 2,013 |
| Net interest margin | 3.7299% | 1,304 |
| Noninterest income to average assets | 0.7000% | 1,294 |
| Noninterest expense to average assets | 2.4977% | 2,121 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.2970% | 1,442 |
| Return on assets (ROA) | 1.2971% | 1,403 |
| Pretax return on assets | 1.5875% | 1,195 |
| Return on Equity (ROE) | 12.8200% | 1,864 |
| Retained earnings to average equity (ytd only) | 6.1695% | 2,577 |
| Net charge-offs to loans | 0.0816% | 842 |
| Credit loss provision to net charge-offs | 4.7295% | 1,968 |
| Earnings coverage of net charge-offs (x) | 29.9837% | 1,683 |
| Efficiency ratio | 59.3722% | 3,140 |
| Assets per employee ($millions) | 6.7988% | 2,117 |
| Cash dividends to net income (ytd only)* | 51.8672% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3843% | 1,552 |
| Loan loss allowance to noncurrent loans | 257.8426% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.4459% | 1,142 |
| Noncurrent loans to loans | 0.5369% | 1,374 |
| Net loans and leases to total assets | 65.6300% | 2,076 |
| Net loans and leases to deposits | 76.7117% | 2,056 |
| Net loans and leases to core deposits | 84.4575% | 1,849 |
| Total domestic deposits to total assets | 85.5500% | 2,842 |
| Equity capital to assets | 9.8609% | 1,781 |
| Core capital (leverage) ratio | 10.7697% | 1,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7076% | 1,431 |
| Memoranda: | ||
| Average total assets | $5,039,293,000 | 272 |
| Average earning assets | $4,547,701,200 | 271 |
| Average equity | $509,959,800 | 262 |
| Average total loans | $3,239,518,200 | 269 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 1,379 |
| Cost of funding earning assets | 0.2643% | 2,555 |
| Net interest margin | 3.6768% | 1,199 |
| Noninterest income to average assets | 0.7300% | 1,213 |
| Noninterest expense to average assets | 2.4174% | 2,265 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.3584% | 1,197 |
| Return on assets (ROA) | 1.3582% | 1,169 |
| Pretax return on assets | 1.6394% | 1,028 |
| Return on Equity (ROE) | 13.3400% | 1,600 |
| Retained earnings to average equity (ytd only) | 4.5558% | 3,257 |
| Net charge-offs to loans | 0.0887% | 689 |
| Credit loss provision to net charge-offs | 12.8852% | 1,652 |
| Earnings coverage of net charge-offs (x) | 28.8142% | 1,537 |
| Efficiency ratio | 57.7036% | 3,417 |
| Assets per employee ($millions) | 6.8775% | 2,041 |
| Cash dividends to net income (ytd only)* | 65.8413% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4279% | 1,515 |
| Loan loss allowance to noncurrent loans | 199.5151% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 772 |
| Noncurrent loans to loans | 0.7157% | 1,142 |
| Net loans and leases to total assets | 64.2000% | 2,065 |
| Net loans and leases to deposits | 75.4865% | 1,922 |
| Net loans and leases to core deposits | 80.7978% | 1,846 |
| Total domestic deposits to total assets | 85.0500% | 3,272 |
| Equity capital to assets | 9.3715% | 1,970 |
| Core capital (leverage) ratio | 10.4654% | 2,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4516% | 1,583 |
| Memoranda: | ||
| Average total assets | $5,054,930,250 | 274 |
| Average earning assets | $4,561,125,000 | 272 |
| Average equity | $514,761,250 | 263 |
| Average total loans | $3,221,423,500 | 265 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7670% | 1,379 |
| Cost of funding earning assets | 0.1820% | 3,156 |
| Net interest margin | 3.5850% | 1,091 |
| Noninterest income to average assets | 0.7287% | 1,239 |
| Noninterest expense to average assets | 2.3671% | 2,346 |
| Loan and lease loss provision to assets | -0.0116% | 4,405 |
| Net operating income to assets | 1.3581% | 1,005 |
| Return on assets (ROA) | 1.3584% | 983 |
| Pretax return on assets | 1.6104% | 913 |
| Return on Equity (ROE) | 12.9988% | 1,380 |
| Retained earnings to average equity (ytd only) | 0.2090% | 4,148 |
| Net charge-offs to loans | 0.0336% | 1,064 |
| Credit loss provision to net charge-offs | 76.4378% | 1,405 |
| Earnings coverage of net charge-offs (x) | 75.2263% | 965 |
| Efficiency ratio | 57.5211% | 3,624 |
| Assets per employee ($millions) | 7.2589% | 1,763 |
| Cash dividends to net income (ytd only)* | 98.3922% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 1,420 |
| Loan loss allowance to noncurrent loans | 250.6000% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.6442% | 855 |
| Noncurrent loans to loans | 0.5968% | 1,418 |
| Net loans and leases to total assets | 63.5205% | 1,964 |
| Net loans and leases to deposits | 73.5021% | 1,916 |
| Net loans and leases to core deposits | 78.1731% | 1,844 |
| Total domestic deposits to total assets | 86.4200% | 3,135 |
| Equity capital to assets | 9.8860% | 1,778 |
| Core capital (leverage) ratio | 9.9447% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1671% | 1,666 |
| Memoranda: | ||
| Average total assets | $5,073,259,667 | 268 |
| Average earning assets | $4,580,610,333 | 273 |
| Average equity | $530,157,667 | 259 |
| Average total loans | $3,209,717,667 | 265 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6985% | 1,274 |
| Cost of funding earning assets | 0.1530% | 3,468 |
| Net interest margin | 3.5455% | 995 |
| Noninterest income to average assets | 0.7337% | 1,211 |
| Noninterest expense to average assets | 2.3641% | 2,287 |
| Loan and lease loss provision to assets | -0.1101% | 4,612 |
| Net operating income to assets | 1.3508% | 900 |
| Return on assets (ROA) | 1.3533% | 883 |
| Pretax return on assets | 1.6840% | 705 |
| Return on Equity (ROE) | 12.6171% | 1,126 |
| Retained earnings to average equity (ytd only) | 0.3642% | 3,944 |
| Net charge-offs to loans | 0.0453% | 838 |
| Credit loss provision to net charge-offs | -113.4986% | 2,903 |
| Earnings coverage of net charge-offs (x) | 55.2727% | 886 |
| Efficiency ratio | 57.9706% | 3,687 |
| Assets per employee ($millions) | 7.1411% | 1,896 |
| Cash dividends to net income (ytd only)* | 97.1133% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,659 |
| Loan loss allowance to noncurrent loans | 229.9034% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 983 |
| Noncurrent loans to loans | 0.6381% | 1,476 |
| Net loans and leases to total assets | 62.9580% | 1,746 |
| Net loans and leases to deposits | 72.5203% | 1,744 |
| Net loans and leases to core deposits | 76.3552% | 1,755 |
| Total domestic deposits to total assets | 86.8142% | 2,996 |
| Equity capital to assets | 10.2708% | 1,707 |
| Core capital (leverage) ratio | 9.9824% | 2,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1541% | 1,746 |
| Memoranda: | ||
| Average total assets | $5,109,184,000 | 271 |
| Average earning assets | $4,612,935,500 | 272 |
| Average equity | $548,018,000 | 256 |
| Average total loans | $3,201,996,500 | 264 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9453% | 1,503 |
| Cost of funding earning assets | 0.2138% | 3,329 |
| Net interest margin | 3.7315% | 1,139 |
| Noninterest income to average assets | 0.7547% | 1,578 |
| Noninterest expense to average assets | 2.6253% | 1,811 |
| Loan and lease loss provision to assets | -0.1621% | 4,650 |
| Net operating income to assets | 1.3850% | 1,332 |
| Return on assets (ROA) | 1.3927% | 1,354 |
| Pretax return on assets | 1.7013% | 1,142 |
| Return on Equity (ROE) | 12.5712% | 1,617 |
| Retained earnings to average equity (ytd only) | 9.6324% | 1,007 |
| Net charge-offs to loans | 0.3070% | 278 |
| Credit loss provision to net charge-offs | -98.1027% | 3,356 |
| Earnings coverage of net charge-offs (x) | 7.7465% | 2,334 |
| Efficiency ratio | 60.8744% | 3,014 |
| Assets per employee ($millions) | 7.3235% | 1,708 |
| Cash dividends to net income (ytd only)* | 23.3772% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 1,450 |
| Loan loss allowance to noncurrent loans | 163.3070% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 803 |
| Noncurrent loans to loans | 0.9373% | 1,084 |
| Net loans and leases to total assets | 60.5219% | 2,107 |
| Net loans and leases to deposits | 69.9203% | 2,141 |
| Net loans and leases to core deposits | 73.6781% | 2,107 |
| Total domestic deposits to total assets | 86.5584% | 2,690 |
| Equity capital to assets | 11.1758% | 1,685 |
| Core capital (leverage) ratio | 10.0697% | 2,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2758% | 1,749 |
| Memoranda: | ||
| Average total assets | $4,377,193,600 | 287 |
| Average earning assets | $3,988,715,600 | 286 |
| Average equity | $484,924,400 | 276 |
| Average total loans | $2,815,908,600 | 281 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 1,394 |
| Cost of funding earning assets | 0.2280% | 3,344 |
| Net interest margin | 3.8349% | 1,053 |
| Noninterest income to average assets | 0.7855% | 1,572 |
| Noninterest expense to average assets | 2.5182% | 2,066 |
| Loan and lease loss provision to assets | -0.1869% | 4,738 |
| Net operating income to assets | 1.5291% | 1,198 |
| Return on assets (ROA) | 1.5203% | 1,269 |
| Pretax return on assets | 1.9477% | 870 |
| Return on Equity (ROE) | 13.7606% | 1,464 |
| Retained earnings to average equity (ytd only) | 13.7606% | 534 |
| Net charge-offs to loans | 0.0372% | 1,340 |
| Credit loss provision to net charge-offs | -835.0854% | 3,805 |
| Earnings coverage of net charge-offs (x) | 73.1025% | 1,039 |
| Efficiency ratio | 56.4018% | 3,485 |
| Assets per employee ($millions) | 7.2449% | 1,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 683 |
| Loan loss allowance to noncurrent loans | 81.1401% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.7647% | 242 |
| Noncurrent loans to loans | 2.4173% | 319 |
| Net loans and leases to total assets | 61.8019% | 2,027 |
| Net loans and leases to deposits | 71.6123% | 2,095 |
| Net loans and leases to core deposits | 76.0823% | 2,039 |
| Total domestic deposits to total assets | 86.3006% | 2,638 |
| Equity capital to assets | 11.2310% | 1,872 |
| Core capital (leverage) ratio | 10.1327% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7449% | 1,705 |
| Memoranda: | ||
| Average total assets | $4,186,224,000 | 294 |
| Average earning assets | $3,825,578,750 | 294 |
| Average equity | $462,516,250 | 286 |
| Average total loans | $2,729,925,500 | 288 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 1,820 |
| Cost of funding earning assets | 0.2434% | 3,340 |
| Net interest margin | 3.6549% | 1,458 |
| Noninterest income to average assets | 0.7964% | 1,545 |
| Noninterest expense to average assets | 2.3930% | 2,488 |
| Loan and lease loss provision to assets | -0.3486% | 4,860 |
| Net operating income to assets | 1.6297% | 987 |
| Return on assets (ROA) | 1.6303% | 1,039 |
| Pretax return on assets | 2.0949% | 688 |
| Return on Equity (ROE) | 14.8397% | 1,206 |
| Retained earnings to average equity (ytd only) | 14.8397% | 458 |
| Net charge-offs to loans | 0.0460% | 1,171 |
| Credit loss provision to net charge-offs | -1,174.9604% | 3,701 |
| Earnings coverage of net charge-offs (x) | 57.5261% | 988 |
| Efficiency ratio | 55.4250% | 3,615 |
| Assets per employee ($millions) | 7.1124% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8373% | 830 |
| Loan loss allowance to noncurrent loans | 91.1031% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 1.5880% | 338 |
| Noncurrent loans to loans | 2.0167% | 484 |
| Net loans and leases to total assets | 64.8966% | 1,842 |
| Net loans and leases to deposits | 74.6361% | 1,938 |
| Net loans and leases to core deposits | 80.3030% | 1,864 |
| Total domestic deposits to total assets | 86.9507% | 2,348 |
| Equity capital to assets | 10.9871% | 1,985 |
| Core capital (leverage) ratio | 9.8585% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6196% | 1,750 |
| Memoranda: | ||
| Average total assets | $4,159,207,000 | 295 |
| Average earning assets | $3,803,220,667 | 294 |
| Average equity | $456,935,333 | 288 |
| Average total loans | $2,743,227,667 | 288 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8190% | 2,051 |
| Cost of funding earning assets | 0.2662% | 3,313 |
| Net interest margin | 3.5528% | 1,695 |
| Noninterest income to average assets | 0.6450% | 2,048 |
| Noninterest expense to average assets | 2.3574% | 2,632 |
| Loan and lease loss provision to assets | -0.5609% | 4,931 |
| Net operating income to assets | 1.6344% | 1,052 |
| Return on assets (ROA) | 1.6357% | 1,100 |
| Pretax return on assets | 2.0964% | 811 |
| Return on Equity (ROE) | 14.8896% | 1,242 |
| Retained earnings to average equity (ytd only) | 14.8896% | 637 |
| Net charge-offs to loans | 0.0096% | 1,570 |
| Credit loss provision to net charge-offs | -9,032.3077% | 3,789 |
| Earnings coverage of net charge-offs (x) | 242.1846% | 350 |
| Efficiency ratio | 57.9917% | 3,301 |
| Assets per employee ($millions) | 7.0074% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 620 |
| Loan loss allowance to noncurrent loans | 91.7132% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.6941% | 340 |
| Noncurrent loans to loans | 2.1589% | 471 |
| Net loans and leases to total assets | 65.4884% | 1,868 |
| Net loans and leases to deposits | 75.0119% | 2,020 |
| Net loans and leases to core deposits | 78.5396% | 2,136 |
| Total domestic deposits to total assets | 87.3040% | 2,180 |
| Equity capital to assets | 10.7122% | 2,071 |
| Core capital (leverage) ratio | 9.6334% | 2,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6896% | 1,673 |
| Memoranda: | ||
| Average total assets | $4,105,102,000 | 297 |
| Average earning assets | $3,750,922,500 | 296 |
| Average equity | $450,971,000 | 289 |
| Average total loans | $2,704,219,500 | 292 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 1,755 |
| Cost of funding earning assets | 0.5292% | 2,754 |
| Net interest margin | 3.8071% | 1,479 |
| Noninterest income to average assets | 0.6146% | 2,163 |
| Noninterest expense to average assets | 5.1249% | 181 |
| Loan and lease loss provision to assets | 0.6075% | 326 |
| Net operating income to assets | -1.7446% | 4,955 |
| Return on assets (ROA) | -1.7443% | 4,957 |
| Pretax return on assets | -1.6966% | 4,953 |
| Return on Equity (ROE) | -14.5415% | 4,967 |
| Retained earnings to average equity (ytd only) | -16.1075% | 4,950 |
| Net charge-offs to loans | 0.1050% | 1,418 |
| Credit loss provision to net charge-offs | 873.1102% | 848 |
| Earnings coverage of net charge-offs (x) | -15.6569% | 3,416 |
| Efficiency ratio | 59.5378% | 3,514 |
| Assets per employee ($millions) | 6.4411% | 1,962 |
| Cash dividends to net income (ytd only)* | -10.7692% | 4,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 2,439 |
| Loan loss allowance to noncurrent loans | 76.5175% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.3905% | 559 |
| Noncurrent loans to loans | 1.6917% | 759 |
| Net loans and leases to total assets | 64.0549% | 2,356 |
| Net loans and leases to deposits | 73.7896% | 2,508 |
| Net loans and leases to core deposits | 77.7889% | 2,570 |
| Total domestic deposits to total assets | 86.8074% | 2,030 |
| Equity capital to assets | 11.2716% | 2,038 |
| Core capital (leverage) ratio | 10.0654% | 2,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7321% | 1,619 |
| Memoranda: | ||
| Average total assets | $3,992,525,800 | 290 |
| Average earning assets | $3,587,423,800 | 291 |
| Average equity | $478,927,200 | 267 |
| Average total loans | $2,645,238,800 | 288 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3165% | 2,047 |
| Cost of funding earning assets | 0.6017% | 2,603 |
| Net interest margin | 3.7148% | 1,894 |
| Noninterest income to average assets | 0.5895% | 2,216 |
| Noninterest expense to average assets | 5.9686% | 133 |
| Loan and lease loss provision to assets | 0.7776% | 242 |
| Net operating income to assets | -2.8056% | 5,002 |
| Return on assets (ROA) | -2.8052% | 5,002 |
| Pretax return on assets | -2.8306% | 5,001 |
| Return on Equity (ROE) | -23.0354% | 5,003 |
| Retained earnings to average equity (ytd only) | -25.0947% | 4,992 |
| Net charge-offs to loans | 0.0703% | 1,614 |
| Credit loss provision to net charge-offs | 1,661.0714% | 574 |
| Earnings coverage of net charge-offs (x) | -43.8643% | 3,226 |
| Efficiency ratio | 60.5165% | 3,303 |
| Assets per employee ($millions) | 6.4802% | 1,852 |
| Cash dividends to net income (ytd only)* | -8.9399% | 4,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2464% | 2,409 |
| Loan loss allowance to noncurrent loans | 64.2049% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.6008% | 509 |
| Noncurrent loans to loans | 1.9413% | 636 |
| Net loans and leases to total assets | 69.9262% | 1,959 |
| Net loans and leases to deposits | 84.9971% | 1,812 |
| Net loans and leases to core deposits | 90.4296% | 1,938 |
| Total domestic deposits to total assets | 82.2690% | 3,354 |
| Equity capital to assets | 11.3548% | 2,110 |
| Core capital (leverage) ratio | 9.3125% | 3,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4101% | 1,689 |
| Memoranda: | ||
| Average total assets | $3,987,462,000 | 290 |
| Average earning assets | $3,569,858,500 | 289 |
| Average equity | $485,583,000 | 262 |
| Average total loans | $2,655,526,000 | 288 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 2,258 |
| Cost of funding earning assets | 0.7003% | 2,377 |
| Net interest margin | 3.6791% | 2,244 |
| Noninterest income to average assets | 0.5636% | 2,288 |
| Noninterest expense to average assets | 2.4058% | 3,249 |
| Loan and lease loss provision to assets | 1.1139% | 168 |
| Net operating income to assets | 0.2442% | 4,516 |
| Return on assets (ROA) | 0.2447% | 4,556 |
| Pretax return on assets | 0.3176% | 4,518 |
| Return on Equity (ROE) | 1.9670% | 4,540 |
| Retained earnings to average equity (ytd only) | -1.0254% | 4,481 |
| Net charge-offs to loans | 0.0452% | 1,845 |
| Credit loss provision to net charge-offs | 3,777.7778% | 284 |
| Earnings coverage of net charge-offs (x) | 48.5303% | 1,121 |
| Efficiency ratio | 60.4036% | 3,363 |
| Assets per employee ($millions) | 6.9681% | 1,452 |
| Cash dividends to net income (ytd only)* | 152.1298% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,454 |
| Loan loss allowance to noncurrent loans | 70.0775% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.3331% | 763 |
| Noncurrent loans to loans | 1.7299% | 833 |
| Net loans and leases to total assets | 66.0925% | 2,617 |
| Net loans and leases to deposits | 85.0343% | 1,877 |
| Net loans and leases to core deposits | 91.5631% | 1,944 |
| Total domestic deposits to total assets | 77.7245% | 4,225 |
| Equity capital to assets | 12.1109% | 1,598 |
| Core capital (leverage) ratio | 8.8843% | 4,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3610% | 2,045 |
| Memoranda: | ||
| Average total assets | $4,029,221,333 | 284 |
| Average earning assets | $3,584,568,333 | 284 |
| Average equity | $501,263,000 | 254 |
| Average total loans | $2,629,112,667 | 289 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 1,893 |
| Cost of funding earning assets | 0.9378% | 1,705 |
| Net interest margin | 3.6982% | 2,324 |
| Noninterest income to average assets | 0.5674% | 2,192 |
| Noninterest expense to average assets | 2.5516% | 3,129 |
| Loan and lease loss provision to assets | 1.0084% | 210 |
| Net operating income to assets | 0.2194% | 4,499 |
| Return on assets (ROA) | 0.2200% | 4,510 |
| Pretax return on assets | 0.2902% | 4,470 |
| Return on Equity (ROE) | 1.7441% | 4,502 |
| Retained earnings to average equity (ytd only) | -4.2866% | 4,460 |
| Net charge-offs to loans | 0.0405% | 1,630 |
| Credit loss provision to net charge-offs | 3,867.7043% | 210 |
| Earnings coverage of net charge-offs (x) | 49.7782% | 902 |
| Efficiency ratio | 64.1692% | 3,210 |
| Assets per employee ($millions) | 6.5013% | 1,341 |
| Cash dividends to net income (ytd only)* | 345.7815% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8719% | 4,216 |
| Loan loss allowance to noncurrent loans | 51.6924% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2253% | 995 |
| Noncurrent loans to loans | 1.6866% | 903 |
| Net loans and leases to total assets | 63.2449% | 3,163 |
| Net loans and leases to deposits | 83.6792% | 2,267 |
| Net loans and leases to core deposits | 92.0880% | 2,147 |
| Total domestic deposits to total assets | 75.5801% | 4,524 |
| Equity capital to assets | 12.8347% | 1,531 |
| Core capital (leverage) ratio | 9.3939% | 4,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5038% | 2,479 |
| Memoranda: | ||
| Average total assets | $3,942,945,000 | 278 |
| Average earning assets | $3,499,208,500 | 282 |
| Average equity | $497,459,000 | 256 |
| Average total loans | $2,538,101,000 | 290 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8430% | 1,917 |
| Cost of funding earning assets | 1.3201% | 732 |
| Net interest margin | 3.5229% | 3,370 |
| Noninterest income to average assets | 0.5979% | 2,230 |
| Noninterest expense to average assets | 2.3694% | 3,775 |
| Loan and lease loss provision to assets | 0.4517% | 301 |
| Net operating income to assets | 0.7129% | 3,832 |
| Return on assets (ROA) | 0.7132% | 3,890 |
| Pretax return on assets | 0.9189% | 3,681 |
| Return on Equity (ROE) | 6.1227% | 3,879 |
| Retained earnings to average equity (ytd only) | 1.2631% | 4,285 |
| Net charge-offs to loans | 0.6730% | 254 |
| Credit loss provision to net charge-offs | 104.4265% | 2,370 |
| Earnings coverage of net charge-offs (x) | 3.1678% | 3,352 |
| Efficiency ratio | 61.2701% | 3,501 |
| Assets per employee ($millions) | 6.5010% | 1,287 |
| Cash dividends to net income (ytd only)* | 79.3706% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4773% | 4,914 |
| Loan loss allowance to noncurrent loans | 31.7129% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.1878% | 997 |
| Noncurrent loans to loans | 1.5052% | 957 |
| Net loans and leases to total assets | 64.6294% | 3,117 |
| Net loans and leases to deposits | 83.1477% | 2,424 |
| Net loans and leases to core deposits | 91.6390% | 2,262 |
| Total domestic deposits to total assets | 77.7284% | 4,400 |
| Equity capital to assets | 12.3985% | 1,889 |
| Core capital (leverage) ratio | 8.9231% | 4,578 |
| Tier 1 risk-based capital ratio | 12.0291% | 4,347 |
| Total risk-based capital ratio | 12.4660% | 4,662 |
| Memoranda: | ||
| Average total assets | $4,063,320,600 | 265 |
| Average earning assets | $3,623,763,600 | 266 |
| Average equity | $473,289,800 | 254 |
| Average total loans | $2,611,709,000 | 276 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8344% | 2,015 |
| Cost of funding earning assets | 1.3744% | 629 |
| Net interest margin | 3.4601% | 3,698 |
| Noninterest income to average assets | 0.5882% | 2,272 |
| Noninterest expense to average assets | 2.3594% | 3,799 |
| Loan and lease loss provision to assets | 0.5636% | 210 |
| Net operating income to assets | 0.5960% | 4,303 |
| Return on assets (ROA) | 0.5964% | 4,354 |
| Pretax return on assets | 0.7556% | 4,228 |
| Return on Equity (ROE) | 5.2014% | 4,276 |
| Retained earnings to average equity (ytd only) | 0.9398% | 4,580 |
| Net charge-offs to loans | 0.5527% | 302 |
| Credit loss provision to net charge-offs | 159.0274% | 1,564 |
| Earnings coverage of net charge-offs (x) | 3.7209% | 3,079 |
| Efficiency ratio | 62.0640% | 3,317 |
| Assets per employee ($millions) | 6.7098% | 1,152 |
| Cash dividends to net income (ytd only)* | 81.9314% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 4,681 |
| Loan loss allowance to noncurrent loans | 35.0250% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 1.3992% | 835 |
| Noncurrent loans to loans | 1.9556% | 695 |
| Net loans and leases to total assets | 63.6367% | 3,322 |
| Net loans and leases to deposits | 83.3380% | 2,523 |
| Net loans and leases to core deposits | 93.1864% | 2,245 |
| Total domestic deposits to total assets | 76.3598% | 4,605 |
| Equity capital to assets | 11.7241% | 2,483 |
| Core capital (leverage) ratio | 8.3828% | 4,992 |
| Tier 1 risk-based capital ratio | 11.4274% | 4,706 |
| Total risk-based capital ratio | 12.0572% | 4,890 |
| Memoranda: | ||
| Average total assets | $4,092,620,750 | 264 |
| Average earning assets | $3,654,662,500 | 263 |
| Average equity | $469,297,000 | 257 |
| Average total loans | $2,623,990,000 | 277 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8008% | 2,056 |
| Cost of funding earning assets | 1.3718% | 592 |
| Net interest margin | 3.4290% | 3,801 |
| Noninterest income to average assets | 0.5524% | 2,375 |
| Noninterest expense to average assets | 2.3759% | 3,801 |
| Loan and lease loss provision to assets | 0.8109% | 122 |
| Net operating income to assets | 0.3408% | 4,819 |
| Return on assets (ROA) | 0.3413% | 4,831 |
| Pretax return on assets | 0.4317% | 4,787 |
| Return on Equity (ROE) | 2.9990% | 4,791 |
| Retained earnings to average equity (ytd only) | -1.2877% | 4,857 |
| Net charge-offs to loans | 0.7834% | 183 |
| Credit loss provision to net charge-offs | 161.4062% | 1,413 |
| Earnings coverage of net charge-offs (x) | 2.4722% | 2,940 |
| Efficiency ratio | 63.5573% | 3,206 |
| Assets per employee ($millions) | 6.6625% | 1,155 |
| Cash dividends to net income (ytd only)* | 142.9388% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6617% | 4,777 |
| Loan loss allowance to noncurrent loans | 29.0792% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 674 |
| Noncurrent loans to loans | 2.2754% | 577 |
| Net loans and leases to total assets | 63.8905% | 3,354 |
| Net loans and leases to deposits | 83.6866% | 2,525 |
| Net loans and leases to core deposits | 94.1851% | 2,229 |
| Total domestic deposits to total assets | 76.3450% | 4,631 |
| Equity capital to assets | 11.2588% | 2,809 |
| Core capital (leverage) ratio | 8.2054% | 5,108 |
| Tier 1 risk-based capital ratio | 10.8829% | 4,964 |
| Total risk-based capital ratio | 11.4925% | 5,109 |
| Memoranda: | ||
| Average total assets | $4,099,209,000 | 265 |
| Average earning assets | $3,664,578,000 | 263 |
| Average equity | $466,560,670 | 260 |
| Average total loans | $2,628,750,670 | 278 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 2,020 |
| Cost of funding earning assets | 1.3336% | 589 |
| Net interest margin | 3.4306% | 3,810 |
| Noninterest income to average assets | 0.5131% | 2,480 |
| Noninterest expense to average assets | 2.4378% | 3,664 |
| Loan and lease loss provision to assets | 1.5414% | 52 |
| Net operating income to assets | -0.3120% | 5,229 |
| Return on assets (ROA) | -0.3115% | 5,225 |
| Pretax return on assets | -0.4007% | 5,231 |
| Return on Equity (ROE) | -2.7219% | 5,232 |
| Retained earnings to average equity (ytd only) | -11.3300% | 5,142 |
| Net charge-offs to loans | 0.1169% | 1,040 |
| Credit loss provision to net charge-offs | 2,058.6842% | 214 |
| Earnings coverage of net charge-offs (x) | 15.2276% | 1,751 |
| Efficiency ratio | 65.9856% | 2,941 |
| Assets per employee ($millions) | 6.3668% | 1,309 |
| Cash dividends to net income (ytd only)* | -316.2555% | 5,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,665 |
| Loan loss allowance to noncurrent loans | 39.4087% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.8028% | 581 |
| Noncurrent loans to loans | 2.5500% | 508 |
| Net loans and leases to total assets | 63.8794% | 3,299 |
| Net loans and leases to deposits | 79.4808% | 2,894 |
| Net loans and leases to core deposits | 91.0186% | 2,398 |
| Total domestic deposits to total assets | 80.3709% | 4,100 |
| Equity capital to assets | 11.2864% | 2,572 |
| Core capital (leverage) ratio | 8.1220% | 5,178 |
| Tier 1 risk-based capital ratio | 10.6438% | 5,133 |
| Total risk-based capital ratio | 11.5593% | 5,155 |
| Memoranda: | ||
| Average total assets | $4,060,108,500 | 268 |
| Average earning assets | $3,627,223,000 | 267 |
| Average equity | $464,678,000 | 262 |
| Average total loans | $2,599,753,000 | 282 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0180% | 1,012 |
| Cost of funding earning assets | 1.0821% | 529 |
| Net interest margin | 3.9359% | 2,204 |
| Noninterest income to average assets | 0.5670% | 2,463 |
| Noninterest expense to average assets | 2.5390% | 3,503 |
| Loan and lease loss provision to assets | 0.1097% | 2,005 |
| Net operating income to assets | 1.1132% | 2,540 |
| Return on assets (ROA) | 1.1130% | 2,546 |
| Pretax return on assets | 1.4280% | 2,046 |
| Return on Equity (ROE) | 9.3499% | 2,814 |
| Retained earnings to average equity (ytd only) | 2.2527% | 4,254 |
| Net charge-offs to loans | 0.0423% | 2,567 |
| Credit loss provision to net charge-offs | 394.1294% | 834 |
| Earnings coverage of net charge-offs (x) | 55.2498% | 1,076 |
| Efficiency ratio | 60.6116% | 3,758 |
| Assets per employee ($millions) | 6.4724% | 1,229 |
| Cash dividends to net income (ytd only)* | 75.9065% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4442% | 5,182 |
| Loan loss allowance to noncurrent loans | 34.5510% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 0.9741% | 1,404 |
| Noncurrent loans to loans | 1.2857% | 1,235 |
| Net loans and leases to total assets | 63.2526% | 3,431 |
| Net loans and leases to deposits | 82.1297% | 2,714 |
| Net loans and leases to core deposits | 94.9840% | 2,143 |
| Total domestic deposits to total assets | 77.0155% | 4,632 |
| Equity capital to assets | 11.6037% | 2,173 |
| Core capital (leverage) ratio | 8.6213% | 4,945 |
| Tier 1 risk-based capital ratio | 11.5541% | 4,700 |
| Total risk-based capital ratio | 11.9592% | 4,998 |
| Memoranda: | ||
| Average total assets | $3,610,205,400 | 286 |
| Average earning assets | $3,219,520,400 | 285 |
| Average equity | $429,749,400 | 272 |
| Average total loans | $2,378,042,400 | 298 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9555% | 1,031 |
| Cost of funding earning assets | 0.9909% | 622 |
| Net interest margin | 3.9646% | 2,067 |
| Noninterest income to average assets | 0.5677% | 2,482 |
| Noninterest expense to average assets | 2.5618% | 3,407 |
| Loan and lease loss provision to assets | 0.1224% | 1,645 |
| Net operating income to assets | 1.1101% | 2,617 |
| Return on assets (ROA) | 1.1097% | 2,633 |
| Pretax return on assets | 1.4195% | 2,164 |
| Return on Equity (ROE) | 9.2548% | 2,977 |
| Retained earnings to average equity (ytd only) | 2.7387% | 4,331 |
| Net charge-offs to loans | 0.0400% | 2,290 |
| Credit loss provision to net charge-offs | 459.3705% | 749 |
| Earnings coverage of net charge-offs (x) | 57.8939% | 1,076 |
| Efficiency ratio | 60.8338% | 3,682 |
| Assets per employee ($millions) | 6.2647% | 1,301 |
| Cash dividends to net income (ytd only)* | 70.4080% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4234% | 5,262 |
| Loan loss allowance to noncurrent loans | 24.7817% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 1,035 |
| Noncurrent loans to loans | 1.7085% | 913 |
| Net loans and leases to total assets | 65.9223% | 3,187 |
| Net loans and leases to deposits | 91.7021% | 1,658 |
| Net loans and leases to core deposits | 102.1403% | 1,600 |
| Total domestic deposits to total assets | 71.8875% | 5,137 |
| Equity capital to assets | 11.9050% | 1,966 |
| Core capital (leverage) ratio | 8.8829% | 4,816 |
| Tier 1 risk-based capital ratio | 11.4367% | 4,831 |
| Total risk-based capital ratio | 11.8242% | 5,134 |
| Memoranda: | ||
| Average total assets | $3,498,204,000 | 291 |
| Average earning assets | $3,120,375,750 | 291 |
| Average equity | $419,461,250 | 272 |
| Average total loans | $2,327,958,000 | 300 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 1,076 |
| Cost of funding earning assets | 0.9016% | 728 |
| Net interest margin | 3.9720% | 1,953 |
| Noninterest income to average assets | 0.5810% | 2,429 |
| Noninterest expense to average assets | 2.6582% | 3,139 |
| Loan and lease loss provision to assets | 0.1145% | 1,731 |
| Net operating income to assets | 1.0600% | 2,753 |
| Return on assets (ROA) | 1.0595% | 2,758 |
| Pretax return on assets | 1.3523% | 2,318 |
| Return on Equity (ROE) | 8.8110% | 3,108 |
| Retained earnings to average equity (ytd only) | 2.6137% | 4,209 |
| Net charge-offs to loans | 0.0299% | 2,262 |
| Credit loss provision to net charge-offs | 573.1343% | 649 |
| Earnings coverage of net charge-offs (x) | 73.4776% | 876 |
| Efficiency ratio | 62.9709% | 3,484 |
| Assets per employee ($millions) | 6.3934% | 1,221 |
| Cash dividends to net income (ytd only)* | 70.3354% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4107% | 5,347 |
| Loan loss allowance to noncurrent loans | 26.3525% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.2355% | 1,158 |
| Noncurrent loans to loans | 1.5583% | 1,055 |
| Net loans and leases to total assets | 65.8287% | 3,177 |
| Net loans and leases to deposits | 92.3246% | 1,541 |
| Net loans and leases to core deposits | 106.7759% | 1,191 |
| Total domestic deposits to total assets | 71.3014% | 5,222 |
| Equity capital to assets | 12.0193% | 1,843 |
| Core capital (leverage) ratio | 9.3306% | 4,325 |
| Tier 1 risk-based capital ratio | 11.6110% | 4,735 |
| Total risk-based capital ratio | 11.9865% | 5,073 |
| Memoranda: | ||
| Average total assets | $3,354,944,330 | 294 |
| Average earning assets | $2,993,885,670 | 296 |
| Average equity | $403,406,000 | 274 |
| Average total loans | $2,237,135,000 | 307 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 1,055 |
| Cost of funding earning assets | 0.8521% | 761 |
| Net interest margin | 3.9611% | 1,842 |
| Noninterest income to average assets | 0.5638% | 2,457 |
| Noninterest expense to average assets | 2.4261% | 3,872 |
| Loan and lease loss provision to assets | 0.1474% | 1,241 |
| Net operating income to assets | 1.1893% | 2,055 |
| Return on assets (ROA) | 1.1885% | 2,072 |
| Pretax return on assets | 1.5270% | 1,602 |
| Return on Equity (ROE) | 9.8817% | 2,494 |
| Retained earnings to average equity (ytd only) | 6.2156% | 2,620 |
| Net charge-offs to loans | 0.0662% | 1,448 |
| Credit loss provision to net charge-offs | 332.3864% | 767 |
| Earnings coverage of net charge-offs (x) | 37.7813% | 1,100 |
| Efficiency ratio | 57.9691% | 4,345 |
| Assets per employee ($millions) | 6.0302% | 1,492 |
| Cash dividends to net income (ytd only)* | 37.0999% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4361% | 5,401 |
| Loan loss allowance to noncurrent loans | 26.4381% | 4,855 |
| Noncurrent assets plus other real estate owned to assets | 1.3322% | 1,108 |
| Noncurrent loans to loans | 1.6493% | 1,045 |
| Net loans and leases to total assets | 66.9346% | 2,898 |
| Net loans and leases to deposits | 89.5406% | 1,743 |
| Net loans and leases to core deposits | 104.3357% | 1,352 |
| Total domestic deposits to total assets | 74.7534% | 5,084 |
| Equity capital to assets | 12.0777% | 1,726 |
| Core capital (leverage) ratio | 9.0592% | 4,614 |
| Tier 1 risk-based capital ratio | 11.8939% | 4,609 |
| Total risk-based capital ratio | 12.2933% | 5,011 |
| Memoranda: | ||
| Average total assets | $3,175,124,000 | 305 |
| Average earning assets | $2,835,809,000 | 306 |
| Average equity | $381,876,000 | 288 |
| Average total loans | $2,128,029,500 | 314 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5643% | 1,526 |
| Cost of funding earning assets | 0.6976% | 1,036 |
| Net interest margin | 3.8667% | 2,195 |
| Noninterest income to average assets | 0.6074% | 2,414 |
| Noninterest expense to average assets | 2.5669% | 3,555 |
| Loan and lease loss provision to assets | 0.1174% | 1,939 |
| Net operating income to assets | 0.8921% | 2,759 |
| Return on assets (ROA) | 0.8991% | 2,747 |
| Pretax return on assets | 1.3916% | 2,023 |
| Return on Equity (ROE) | 7.6944% | 2,953 |
| Retained earnings to average equity (ytd only) | 1.8266% | 4,222 |
| Net charge-offs to loans | 0.0547% | 2,706 |
| Credit loss provision to net charge-offs | 332.9200% | 866 |
| Earnings coverage of net charge-offs (x) | 42.4972% | 1,204 |
| Efficiency ratio | 62.1371% | 3,915 |
| Assets per employee ($millions) | 6.0311% | 1,497 |
| Cash dividends to net income (ytd only)* | 76.2599% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4009% | 5,485 |
| Loan loss allowance to noncurrent loans | 21.1783% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5144% | 901 |
| Noncurrent loans to loans | 1.8931% | 825 |
| Net loans and leases to total assets | 66.5479% | 3,026 |
| Net loans and leases to deposits | 88.4439% | 1,967 |
| Net loans and leases to core deposits | 105.0247% | 1,341 |
| Total domestic deposits to total assets | 75.2430% | 5,064 |
| Equity capital to assets | 11.9764% | 1,849 |
| Core capital (leverage) ratio | 10.0124% | 3,444 |
| Tier 1 risk-based capital ratio | 11.7957% | 4,661 |
| Total risk-based capital ratio | 12.1653% | 5,078 |
| Memoranda: | ||
| Average total assets | $2,515,950,000 | 345 |
| Average earning assets | $2,249,871,000 | 348 |
| Average equity | $293,981,400 | 333 |
| Average total loans | $1,621,711,800 | 369 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6139% | 1,332 |
| Cost of funding earning assets | 0.6804% | 1,071 |
| Net interest margin | 3.9335% | 1,924 |
| Noninterest income to average assets | 0.6305% | 2,311 |
| Noninterest expense to average assets | 2.5444% | 3,585 |
| Loan and lease loss provision to assets | 0.1389% | 1,536 |
| Net operating income to assets | 1.0202% | 2,472 |
| Return on assets (ROA) | 1.0308% | 2,448 |
| Pretax return on assets | 1.4850% | 1,822 |
| Return on Equity (ROE) | 8.8969% | 2,667 |
| Retained earnings to average equity (ytd only) | 3.2700% | 3,978 |
| Net charge-offs to loans | 0.0813% | 1,990 |
| Credit loss provision to net charge-offs | 268.3461% | 1,071 |
| Earnings coverage of net charge-offs (x) | 31.0778% | 1,523 |
| Efficiency ratio | 60.3227% | 4,159 |
| Assets per employee ($millions) | 5.2652% | 2,156 |
| Cash dividends to net income (ytd only)* | 63.2459% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5158% | 5,440 |
| Loan loss allowance to noncurrent loans | 23.1039% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 1.7733% | 791 |
| Noncurrent loans to loans | 2.2324% | 728 |
| Net loans and leases to total assets | 63.8794% | 3,421 |
| Net loans and leases to deposits | 81.4052% | 2,840 |
| Net loans and leases to core deposits | 92.5953% | 2,386 |
| Total domestic deposits to total assets | 78.4708% | 4,632 |
| Equity capital to assets | 11.6951% | 2,191 |
| Core capital (leverage) ratio | 9.2590% | 4,456 |
| Tier 1 risk-based capital ratio | 12.6975% | 4,206 |
| Total risk-based capital ratio | 13.1654% | 4,564 |
| Memoranda: | ||
| Average total assets | $2,351,852,250 | 358 |
| Average earning assets | $2,106,148,250 | 364 |
| Average equity | $272,493,500 | 350 |
| Average total loans | $1,497,234,000 | 391 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6240% | 1,206 |
| Cost of funding earning assets | 0.6444% | 1,175 |
| Net interest margin | 3.9796% | 1,674 |
| Noninterest income to average assets | 0.6144% | 2,388 |
| Noninterest expense to average assets | 2.5070% | 3,727 |
| Loan and lease loss provision to assets | 0.1477% | 1,377 |
| Net operating income to assets | 1.0410% | 2,246 |
| Return on assets (ROA) | 1.0466% | 2,264 |
| Pretax return on assets | 1.5303% | 1,543 |
| Return on Equity (ROE) | 9.0620% | 2,483 |
| Retained earnings to average equity (ytd only) | 5.3517% | 2,497 |
| Net charge-offs to loans | 0.0793% | 1,830 |
| Credit loss provision to net charge-offs | 293.5264% | 973 |
| Earnings coverage of net charge-offs (x) | 33.1908% | 1,393 |
| Efficiency ratio | 59.1062% | 4,456 |
| Assets per employee ($millions) | 5.2494% | 2,113 |
| Cash dividends to net income (ytd only)* | 40.9433% | 2,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4937% | 5,527 |
| Loan loss allowance to noncurrent loans | 29.2540% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 960 |
| Noncurrent loans to loans | 1.6877% | 1,080 |
| Net loans and leases to total assets | 63.3037% | 3,481 |
| Net loans and leases to deposits | 83.2432% | 2,574 |
| Net loans and leases to core deposits | 95.3810% | 2,038 |
| Total domestic deposits to total assets | 76.0467% | 5,087 |
| Equity capital to assets | 11.6992% | 2,151 |
| Core capital (leverage) ratio | 9.3527% | 4,288 |
| Tier 1 risk-based capital ratio | 12.8001% | 4,118 |
| Total risk-based capital ratio | 13.2473% | 4,521 |
| Memoranda: | ||
| Average total assets | $2,333,731,330 | 364 |
| Average earning assets | $2,089,006,670 | 371 |
| Average equity | $269,521,330 | 352 |
| Average total loans | $1,481,297,330 | 395 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5191% | 1,331 |
| Cost of funding earning assets | 0.6015% | 1,361 |
| Net interest margin | 3.9176% | 1,719 |
| Noninterest income to average assets | 0.5680% | 2,564 |
| Noninterest expense to average assets | 2.5367% | 3,702 |
| Loan and lease loss provision to assets | 0.1908% | 876 |
| Net operating income to assets | 0.9389% | 2,566 |
| Return on assets (ROA) | 0.9405% | 2,621 |
| Pretax return on assets | 1.3490% | 2,064 |
| Return on Equity (ROE) | 8.1994% | 2,812 |
| Retained earnings to average equity (ytd only) | 8.1994% | 1,377 |
| Net charge-offs to loans | 0.1316% | 1,135 |
| Credit loss provision to net charge-offs | 228.6013% | 937 |
| Earnings coverage of net charge-offs (x) | 18.4238% | 1,567 |
| Efficiency ratio | 61.3598% | 4,250 |
| Assets per employee ($millions) | 5.3450% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4629% | 5,630 |
| Loan loss allowance to noncurrent loans | 25.3434% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.4898% | 1,080 |
| Noncurrent loans to loans | 1.8265% | 1,021 |
| Net loans and leases to total assets | 63.1498% | 3,384 |
| Net loans and leases to deposits | 82.8633% | 2,411 |
| Net loans and leases to core deposits | 92.7695% | 2,094 |
| Total domestic deposits to total assets | 76.2097% | 5,212 |
| Equity capital to assets | 11.6608% | 2,074 |
| Core capital (leverage) ratio | 9.8998% | 3,624 |
| Tier 1 risk-based capital ratio | 12.7049% | 4,256 |
| Total risk-based capital ratio | 13.1221% | 4,703 |
| Memoranda: | ||
| Average total assets | $2,295,855,500 | 369 |
| Average earning assets | $2,054,827,000 | 374 |
| Average equity | $263,336,500 | 359 |
| Average total loans | $1,455,516,000 | 402 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 2,980 |
| Cost of funding earning assets | 0.5587% | 1,612 |
| Net interest margin | 3.5045% | 3,410 |
| Noninterest income to average assets | 0.5958% | 2,688 |
| Noninterest expense to average assets | 2.6572% | 3,498 |
| Loan and lease loss provision to assets | 0.1259% | 1,972 |
| Net operating income to assets | 0.6715% | 3,905 |
| Return on assets (ROA) | 0.6908% | 3,932 |
| Pretax return on assets | 1.0090% | 3,442 |
| Return on Equity (ROE) | 6.7552% | 3,614 |
| Retained earnings to average equity (ytd only) | 1.2339% | 4,794 |
| Net charge-offs to loans | 0.1138% | 2,123 |
| Credit loss provision to net charge-offs | 177.6846% | 1,575 |
| Earnings coverage of net charge-offs (x) | 15.6183% | 2,190 |
| Efficiency ratio | 69.9392% | 2,910 |
| Assets per employee ($millions) | 5.2814% | 2,084 |
| Cash dividends to net income (ytd only)* | 81.7345% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4633% | 5,689 |
| Loan loss allowance to noncurrent loans | 28.3448% | 5,111 |
| Noncurrent assets plus other real estate owned to assets | 1.4181% | 1,203 |
| Noncurrent loans to loans | 1.6344% | 1,192 |
| Net loans and leases to total assets | 63.0537% | 3,476 |
| Net loans and leases to deposits | 83.6751% | 2,458 |
| Net loans and leases to core deposits | 93.0936% | 2,201 |
| Total domestic deposits to total assets | 75.3554% | 5,313 |
| Equity capital to assets | 11.2612% | 2,361 |
| Core capital (leverage) ratio | 10.4243% | 2,953 |
| Tier 1 risk-based capital ratio | 12.5814% | 4,341 |
| Total risk-based capital ratio | 13.0072% | 4,792 |
| Memoranda: | ||
| Average total assets | $1,682,494,000 | 462 |
| Average earning assets | $1,520,912,600 | 459 |
| Average equity | $172,059,000 | 477 |
| Average total loans | $1,047,360,400 | 486 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 2,854 |
| Cost of funding earning assets | 0.5747% | 1,518 |
| Net interest margin | 3.5303% | 3,358 |
| Noninterest income to average assets | 0.6250% | 2,550 |
| Noninterest expense to average assets | 2.5151% | 3,943 |
| Loan and lease loss provision to assets | 0.1165% | 1,985 |
| Net operating income to assets | 0.8319% | 3,228 |
| Return on assets (ROA) | 0.8602% | 3,226 |
| Pretax return on assets | 1.2413% | 2,646 |
| Return on Equity (ROE) | 8.7230% | 2,647 |
| Retained earnings to average equity (ytd only) | 3.0723% | 4,074 |
| Net charge-offs to loans | 0.1088% | 1,855 |
| Credit loss provision to net charge-offs | 173.1210% | 1,611 |
| Earnings coverage of net charge-offs (x) | 19.5656% | 1,924 |
| Efficiency ratio | 65.0453% | 3,756 |
| Assets per employee ($millions) | 4.7760% | 2,643 |
| Cash dividends to net income (ytd only)* | 64.7798% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6339% | 5,560 |
| Loan loss allowance to noncurrent loans | 84.9518% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 0.8224% | 2,488 |
| Noncurrent loans to loans | 0.7462% | 2,807 |
| Net loans and leases to total assets | 61.2125% | 3,713 |
| Net loans and leases to deposits | 79.9739% | 2,967 |
| Net loans and leases to core deposits | 91.0485% | 2,474 |
| Total domestic deposits to total assets | 76.5407% | 5,163 |
| Equity capital to assets | 9.9324% | 4,202 |
| Core capital (leverage) ratio | 8.4351% | 5,408 |
| Tier 1 risk-based capital ratio | 12.9388% | 4,197 |
| Total risk-based capital ratio | 13.5046% | 4,537 |
| Memoranda: | ||
| Average total assets | $1,555,171,000 | 493 |
| Average earning assets | $1,412,667,500 | 492 |
| Average equity | $153,368,250 | 520 |
| Average total loans | $962,091,750 | 524 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 2,696 |
| Cost of funding earning assets | 0.5641% | 1,583 |
| Net interest margin | 3.5804% | 3,172 |
| Noninterest income to average assets | 0.6195% | 2,508 |
| Noninterest expense to average assets | 2.4566% | 4,158 |
| Loan and lease loss provision to assets | 0.1615% | 1,404 |
| Net operating income to assets | 0.8490% | 3,098 |
| Return on assets (ROA) | 0.8909% | 3,034 |
| Pretax return on assets | 1.3129% | 2,354 |
| Return on Equity (ROE) | 9.0557% | 2,474 |
| Retained earnings to average equity (ytd only) | 4.4788% | 3,066 |
| Net charge-offs to loans | 0.1518% | 1,418 |
| Credit loss provision to net charge-offs | 171.6826% | 1,445 |
| Earnings coverage of net charge-offs (x) | 15.0219% | 2,019 |
| Efficiency ratio | 62.9040% | 4,191 |
| Assets per employee ($millions) | 4.9367% | 2,373 |
| Cash dividends to net income (ytd only)* | 50.5415% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6127% | 5,664 |
| Loan loss allowance to noncurrent loans | 76.7664% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 2,530 |
| Noncurrent loans to loans | 0.7982% | 2,751 |
| Net loans and leases to total assets | 63.2981% | 3,463 |
| Net loans and leases to deposits | 80.9553% | 2,822 |
| Net loans and leases to core deposits | 92.5727% | 2,302 |
| Total domestic deposits to total assets | 78.1890% | 4,966 |
| Equity capital to assets | 9.9802% | 4,251 |
| Core capital (leverage) ratio | 8.4921% | 5,373 |
| Tier 1 risk-based capital ratio | 12.6617% | 4,413 |
| Total risk-based capital ratio | 13.2115% | 4,767 |
| Memoranda: | ||
| Average total assets | $1,554,571,330 | 491 |
| Average earning assets | $1,411,082,330 | 489 |
| Average equity | $152,942,670 | 516 |
| Average total loans | $963,075,330 | 524 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,440 |
| Cost of funding earning assets | 0.5524% | 1,683 |
| Net interest margin | 3.6558% | 2,868 |
| Noninterest income to average assets | 0.5800% | 2,639 |
| Noninterest expense to average assets | 2.4024% | 4,364 |
| Loan and lease loss provision to assets | 0.1852% | 1,074 |
| Net operating income to assets | 0.8857% | 2,827 |
| Return on assets (ROA) | 0.9589% | 2,582 |
| Pretax return on assets | 1.4122% | 1,868 |
| Return on Equity (ROE) | 9.8170% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.8170% | 890 |
| Net charge-offs to loans | 0.1041% | 1,502 |
| Credit loss provision to net charge-offs | 291.1290% | 871 |
| Earnings coverage of net charge-offs (x) | 23.4153% | 1,366 |
| Efficiency ratio | 61.1455% | 4,578 |
| Assets per employee ($millions) | 4.9657% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 5,695 |
| Loan loss allowance to noncurrent loans | 66.1724% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9762% | 2,268 |
| Noncurrent loans to loans | 0.9601% | 2,456 |
| Net loans and leases to total assets | 61.1513% | 3,635 |
| Net loans and leases to deposits | 75.2702% | 3,301 |
| Net loans and leases to core deposits | 85.0388% | 2,842 |
| Total domestic deposits to total assets | 81.2423% | 4,420 |
| Equity capital to assets | 10.0993% | 3,951 |
| Core capital (leverage) ratio | 8.4837% | 5,404 |
| Tier 1 risk-based capital ratio | 13.0571% | 4,231 |
| Total risk-based capital ratio | 13.6185% | 4,575 |
| Memoranda: | ||
| Average total assets | $1,559,257,500 | 489 |
| Average earning assets | $1,412,655,500 | 490 |
| Average equity | $152,307,000 | 517 |
| Average total loans | $952,557,000 | 528 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,090 |
| Cost of funding earning assets | 0.4487% | 2,635 |
| Net interest margin | 3.8914% | 2,061 |
| Noninterest income to average assets | 0.6658% | 2,373 |
| Noninterest expense to average assets | 2.7453% | 3,427 |
| Loan and lease loss provision to assets | 0.2247% | 910 |
| Net operating income to assets | 0.8499% | 3,115 |
| Return on assets (ROA) | 0.8895% | 3,009 |
| Pretax return on assets | 1.2583% | 2,439 |
| Return on Equity (ROE) | 8.7432% | 2,604 |
| Retained earnings to average equity (ytd only) | 1.1310% | 5,064 |
| Net charge-offs to loans | 0.4238% | 667 |
| Credit loss provision to net charge-offs | 86.9578% | 2,816 |
| Earnings coverage of net charge-offs (x) | 5.5225% | 3,375 |
| Efficiency ratio | 65.3079% | 4,023 |
| Assets per employee ($millions) | 5.3504% | 1,954 |
| Cash dividends to net income (ytd only)* | 87.0647% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5712% | 5,834 |
| Loan loss allowance to noncurrent loans | 66.8935% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 2,465 |
| Noncurrent loans to loans | 0.8540% | 2,645 |
| Net loans and leases to total assets | 60.3090% | 3,793 |
| Net loans and leases to deposits | 75.9681% | 3,257 |
| Net loans and leases to core deposits | 86.8638% | 2,708 |
| Total domestic deposits to total assets | 79.3873% | 4,892 |
| Equity capital to assets | 9.4490% | 4,613 |
| Core capital (leverage) ratio | 8.3881% | 5,536 |
| Tier 1 risk-based capital ratio | 12.2645% | 4,782 |
| Total risk-based capital ratio | 12.7693% | 5,149 |
| Memoranda: | ||
| Average total assets | $1,355,810,800 | 530 |
| Average earning assets | $1,221,794,600 | 538 |
| Average equity | $137,936,200 | 546 |
| Average total loans | $826,840,600 | 568 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3794% | 1,986 |
| Cost of funding earning assets | 0.4250% | 2,960 |
| Net interest margin | 3.9544% | 1,859 |
| Noninterest income to average assets | 0.6685% | 2,394 |
| Noninterest expense to average assets | 2.7329% | 3,453 |
| Loan and lease loss provision to assets | 0.1919% | 1,057 |
| Net operating income to assets | 0.8646% | 3,115 |
| Return on assets (ROA) | 0.8897% | 3,091 |
| Pretax return on assets | 1.3420% | 2,240 |
| Return on Equity (ROE) | 8.5583% | 2,790 |
| Retained earnings to average equity (ytd only) | 1.1447% | 5,255 |
| Net charge-offs to loans | 0.4697% | 533 |
| Credit loss provision to net charge-offs | 66.8696% | 2,821 |
| Earnings coverage of net charge-offs (x) | 5.2138% | 3,237 |
| Efficiency ratio | 64.1840% | 4,211 |
| Assets per employee ($millions) | 5.2253% | 2,035 |
| Cash dividends to net income (ytd only)* | 86.6251% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5879% | 5,914 |
| Loan loss allowance to noncurrent loans | 71.5219% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 0.9181% | 2,564 |
| Noncurrent loans to loans | 0.8219% | 2,915 |
| Net loans and leases to total assets | 60.1650% | 3,863 |
| Net loans and leases to deposits | 81.5340% | 2,701 |
| Net loans and leases to core deposits | 96.1204% | 1,865 |
| Total domestic deposits to total assets | 73.7913% | 5,729 |
| Equity capital to assets | 9.5854% | 4,652 |
| Core capital (leverage) ratio | 8.6216% | 5,440 |
| Tier 1 risk-based capital ratio | 12.0248% | 5,072 |
| Total risk-based capital ratio | 12.5274% | 5,403 |
| Memoranda: | ||
| Average total assets | $1,297,495,750 | 553 |
| Average earning assets | $1,168,190,250 | 555 |
| Average equity | $134,882,500 | 561 |
| Average total loans | $792,586,000 | 594 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4662% | 1,638 |
| Cost of funding earning assets | 0.4037% | 3,237 |
| Net interest margin | 4.0625% | 1,465 |
| Noninterest income to average assets | 0.6836% | 2,285 |
| Noninterest expense to average assets | 2.8271% | 3,145 |
| Loan and lease loss provision to assets | 0.2115% | 919 |
| Net operating income to assets | 0.8555% | 3,106 |
| Return on assets (ROA) | 0.8943% | 3,038 |
| Pretax return on assets | 1.3547% | 2,167 |
| Return on Equity (ROE) | 8.3582% | 2,871 |
| Retained earnings to average equity (ytd only) | 1.3745% | 5,001 |
| Net charge-offs to loans | 0.4280% | 601 |
| Credit loss provision to net charge-offs | 80.6061% | 2,327 |
| Earnings coverage of net charge-offs (x) | 5.7461% | 2,894 |
| Efficiency ratio | 64.7801% | 4,230 |
| Assets per employee ($millions) | 5.1670% | 2,078 |
| Cash dividends to net income (ytd only)* | 83.5556% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6747% | 5,862 |
| Loan loss allowance to noncurrent loans | 67.5485% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.1150% | 2,275 |
| Noncurrent loans to loans | 0.9988% | 2,645 |
| Net loans and leases to total assets | 61.3642% | 3,643 |
| Net loans and leases to deposits | 81.9503% | 2,561 |
| Net loans and leases to core deposits | 92.6744% | 2,094 |
| Total domestic deposits to total assets | 74.8799% | 5,717 |
| Equity capital to assets | 9.9639% | 4,081 |
| Core capital (leverage) ratio | 9.4634% | 4,322 |
| Tier 1 risk-based capital ratio | 12.5180% | 4,790 |
| Total risk-based capital ratio | 13.1055% | 5,143 |
| Memoranda: | ||
| Average total assets | $1,257,978,670 | 566 |
| Average earning assets | $1,130,497,000 | 569 |
| Average equity | $134,598,670 | 561 |
| Average total loans | $771,114,000 | 607 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 1,330 |
| Cost of funding earning assets | 0.5181% | 2,127 |
| Net interest margin | 4.0344% | 1,456 |
| Noninterest income to average assets | 0.7094% | 2,130 |
| Noninterest expense to average assets | 2.8352% | 3,121 |
| Loan and lease loss provision to assets | 0.2397% | 706 |
| Net operating income to assets | 0.8274% | 3,130 |
| Return on assets (ROA) | 0.9077% | 2,834 |
| Pretax return on assets | 1.3751% | 1,979 |
| Return on Equity (ROE) | 8.1693% | 2,872 |
| Retained earnings to average equity (ytd only) | 1.6243% | 4,829 |
| Net charge-offs to loans | 0.0666% | 2,070 |
| Credit loss provision to net charge-offs | 589.4309% | 479 |
| Earnings coverage of net charge-offs (x) | 36.7236% | 1,030 |
| Efficiency ratio | 65.0374% | 4,314 |
| Assets per employee ($millions) | 4.7043% | 2,757 |
| Cash dividends to net income (ytd only)* | 80.1165% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 5,510 |
| Loan loss allowance to noncurrent loans | 62.4822% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 1.2294% | 2,178 |
| Noncurrent loans to loans | 1.3994% | 2,052 |
| Net loans and leases to total assets | 59.9274% | 3,662 |
| Net loans and leases to deposits | 76.3672% | 3,009 |
| Net loans and leases to core deposits | 87.0546% | 2,425 |
| Total domestic deposits to total assets | 78.4726% | 5,357 |
| Equity capital to assets | 10.8550% | 3,136 |
| Core capital (leverage) ratio | 10.2490% | 3,281 |
| Tier 1 risk-based capital ratio | 12.8066% | 4,720 |
| Total risk-based capital ratio | 13.5084% | 4,980 |
| Memoranda: | ||
| Average total assets | $1,210,088,500 | 579 |
| Average earning assets | $1,085,461,000 | 590 |
| Average equity | $134,454,500 | 562 |
| Average total loans | $738,487,500 | 628 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 1,952 |
| Cost of funding earning assets | 0.4348% | 3,334 |
| Net interest margin | 4.0455% | 1,752 |
| Noninterest income to average assets | 0.7614% | 2,031 |
| Noninterest expense to average assets | 3.0656% | 2,637 |
| Loan and lease loss provision to assets | 0.1031% | 2,431 |
| Net operating income to assets | 0.8125% | 3,312 |
| Return on assets (ROA) | 0.8701% | 3,112 |
| Pretax return on assets | 1.2765% | 2,321 |
| Return on Equity (ROE) | 7.6082% | 3,321 |
| Retained earnings to average equity (ytd only) | 1.8256% | 4,894 |
| Net charge-offs to loans | 0.1239% | 2,791 |
| Credit loss provision to net charge-offs | 141.0106% | 1,682 |
| Earnings coverage of net charge-offs (x) | 17.7168% | 1,896 |
| Efficiency ratio | 69.5895% | 3,609 |
| Assets per employee ($millions) | 4.4800% | 3,071 |
| Cash dividends to net income (ytd only)* | 76.0043% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8212% | 5,721 |
| Loan loss allowance to noncurrent loans | 55.0651% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.3225% | 2,126 |
| Noncurrent loans to loans | 1.4913% | 1,966 |
| Net loans and leases to total assets | 61.1240% | 3,621 |
| Net loans and leases to deposits | 72.9035% | 3,565 |
| Net loans and leases to core deposits | 84.8056% | 2,801 |
| Total domestic deposits to total assets | 83.8423% | 3,789 |
| Equity capital to assets | 11.3811% | 2,529 |
| Core capital (leverage) ratio | 10.2754% | 3,200 |
| Tier 1 risk-based capital ratio | 14.0352% | 4,063 |
| Total risk-based capital ratio | 14.7412% | 4,360 |
| Memoranda: | ||
| Average total assets | $1,164,361,400 | 580 |
| Average earning assets | $1,035,899,400 | 593 |
| Average equity | $133,159,800 | 546 |
| Average total loans | $686,896,400 | 628 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 1,959 |
| Cost of funding earning assets | 0.4329% | 3,439 |
| Net interest margin | 4.0444% | 1,741 |
| Noninterest income to average assets | 0.7687% | 2,019 |
| Noninterest expense to average assets | 3.0083% | 2,780 |
| Loan and lease loss provision to assets | 0.1378% | 1,810 |
| Net operating income to assets | 0.8427% | 3,220 |
| Return on assets (ROA) | 0.9002% | 3,007 |
| Pretax return on assets | 1.3038% | 2,360 |
| Return on Equity (ROE) | 7.8618% | 3,281 |
| Retained earnings to average equity (ytd only) | 2.9469% | 4,497 |
| Net charge-offs to loans | 0.1392% | 2,402 |
| Credit loss provision to net charge-offs | 169.7313% | 1,451 |
| Earnings coverage of net charge-offs (x) | 16.7285% | 1,947 |
| Efficiency ratio | 68.2430% | 3,819 |
| Assets per employee ($millions) | 4.3946% | 3,137 |
| Cash dividends to net income (ytd only)* | 62.5159% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 5,720 |
| Loan loss allowance to noncurrent loans | 61.8368% | 4,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2571% | 2,451 |
| Noncurrent loans to loans | 1.3898% | 2,328 |
| Net loans and leases to total assets | 60.2652% | 3,741 |
| Net loans and leases to deposits | 73.2611% | 3,525 |
| Net loans and leases to core deposits | 84.6605% | 2,816 |
| Total domestic deposits to total assets | 82.2608% | 4,390 |
| Equity capital to assets | 11.5011% | 2,486 |
| Core capital (leverage) ratio | 10.2979% | 3,301 |
| Tier 1 risk-based capital ratio | 14.7023% | 3,754 |
| Total risk-based capital ratio | 15.4584% | 4,007 |
| Memoranda: | ||
| Average total assets | $1,160,894,250 | 580 |
| Average earning assets | $1,032,739,000 | 593 |
| Average equity | $132,925,750 | 543 |
| Average total loans | $677,084,500 | 639 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4655% | 1,947 |
| Cost of funding earning assets | 0.4213% | 3,640 |
| Net interest margin | 4.0442% | 1,680 |
| Noninterest income to average assets | 0.7639% | 1,993 |
| Noninterest expense to average assets | 2.9718% | 2,932 |
| Loan and lease loss provision to assets | 0.1554% | 1,590 |
| Net operating income to assets | 0.8536% | 3,054 |
| Return on assets (ROA) | 0.8648% | 3,077 |
| Pretax return on assets | 1.2449% | 2,484 |
| Return on Equity (ROE) | 7.5638% | 3,339 |
| Retained earnings to average equity (ytd only) | 3.7879% | 3,770 |
| Net charge-offs to loans | 0.1237% | 2,436 |
| Credit loss provision to net charge-offs | 218.4466% | 1,089 |
| Earnings coverage of net charge-offs (x) | 19.4539% | 1,626 |
| Efficiency ratio | 67.5203% | 4,106 |
| Assets per employee ($millions) | 4.4130% | 3,068 |
| Cash dividends to net income (ytd only)* | 49.9201% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 5,746 |
| Loan loss allowance to noncurrent loans | 60.7104% | 4,784 |
| Noncurrent assets plus other real estate owned to assets | 1.3534% | 2,416 |
| Noncurrent loans to loans | 1.4665% | 2,363 |
| Net loans and leases to total assets | 57.4349% | 4,061 |
| Net loans and leases to deposits | 70.0576% | 3,819 |
| Net loans and leases to core deposits | 82.6836% | 2,896 |
| Total domestic deposits to total assets | 81.9824% | 4,659 |
| Equity capital to assets | 11.2868% | 2,622 |
| Core capital (leverage) ratio | 10.3949% | 3,089 |
| Tier 1 risk-based capital ratio | 14.6936% | 3,813 |
| Total risk-based capital ratio | 15.4567% | 4,056 |
| Memoranda: | ||
| Average total assets | $1,158,206,000 | 579 |
| Average earning assets | $1,028,687,000 | 596 |
| Average equity | $132,420,000 | 547 |
| Average total loans | $665,918,670 | 643 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4987% | 1,816 |
| Cost of funding earning assets | 0.4031% | 3,933 |
| Net interest margin | 4.0957% | 1,463 |
| Noninterest income to average assets | 0.7728% | 1,865 |
| Noninterest expense to average assets | 2.9568% | 3,025 |
| Loan and lease loss provision to assets | 0.1571% | 1,548 |
| Net operating income to assets | 0.8824% | 2,729 |
| Return on assets (ROA) | 0.9047% | 2,697 |
| Pretax return on assets | 1.3236% | 2,014 |
| Return on Equity (ROE) | 7.8613% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.8613% | 1,650 |
| Net charge-offs to loans | 0.1829% | 1,623 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | 13.8267% | 1,647 |
| Efficiency ratio | 66.3444% | 4,477 |
| Assets per employee ($millions) | 4.3424% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 5,918 |
| Loan loss allowance to noncurrent loans | 47.5695% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 1.6335% | 2,162 |
| Noncurrent loans to loans | 1.8554% | 2,056 |
| Net loans and leases to total assets | 56.2515% | 4,117 |
| Net loans and leases to deposits | 66.6503% | 4,007 |
| Net loans and leases to core deposits | 77.7689% | 3,228 |
| Total domestic deposits to total assets | 84.3980% | 4,126 |
| Equity capital to assets | 11.5732% | 2,184 |
| Core capital (leverage) ratio | 10.4442% | 3,000 |
| Tier 1 risk-based capital ratio | 15.0324% | 3,697 |
| Total risk-based capital ratio | 15.7698% | 3,953 |
| Memoranda: | ||
| Average total assets | $1,145,964,000 | 588 |
| Average earning assets | $1,016,197,500 | 604 |
| Average equity | $131,886,000 | 552 |
| Average total loans | $656,188,500 | 652 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4516% | 2,390 |
| Cost of funding earning assets | 0.4769% | 3,849 |
| Net interest margin | 3.9747% | 2,021 |
| Noninterest income to average assets | 0.6607% | 2,753 |
| Noninterest expense to average assets | 2.9309% | 3,277 |
| Loan and lease loss provision to assets | 0.2202% | 1,658 |
| Net operating income to assets | 0.7136% | 3,731 |
| Return on assets (ROA) | 0.7430% | 3,683 |
| Pretax return on assets | 1.0814% | 3,020 |
| Return on Equity (ROE) | 6.8294% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.8294% | 1,517 |
| Net charge-offs to loans | 0.2394% | 2,540 |
| Credit loss provision to net charge-offs | 155.1351% | 1,495 |
| Earnings coverage of net charge-offs (x) | 8.8715% | 2,589 |
| Efficiency ratio | 68.9619% | 4,027 |
| Assets per employee ($millions) | 4.3064% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 6,056 |
| Loan loss allowance to noncurrent loans | 42.5013% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 1.8000% | 2,050 |
| Noncurrent loans to loans | 2.0035% | 1,988 |
| Net loans and leases to total assets | 57.2816% | 4,151 |
| Net loans and leases to deposits | 67.7580% | 4,089 |
| Net loans and leases to core deposits | 79.1887% | 3,217 |
| Total domestic deposits to total assets | 84.5384% | 3,945 |
| Equity capital to assets | 11.4437% | 2,212 |
| Core capital (leverage) ratio | 10.0470% | 3,497 |
| Tier 1 risk-based capital ratio | 14.7302% | 3,821 |
| Total risk-based capital ratio | 15.4505% | 4,097 |
| Memoranda: | ||
| Average total assets | $1,173,278,400 | 559 |
| Average earning assets | $1,041,761,200 | 567 |
| Average equity | $127,638,800 | 557 |
| Average total loans | $695,605,600 | 601 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4506% | 2,419 |
| Cost of funding earning assets | 0.5185% | 3,580 |
| Net interest margin | 3.9321% | 2,167 |
| Noninterest income to average assets | 0.6945% | 2,640 |
| Noninterest expense to average assets | 2.8422% | 3,515 |
| Loan and lease loss provision to assets | 0.2186% | 1,665 |
| Net operating income to assets | 0.7780% | 3,472 |
| Return on assets (ROA) | 0.8128% | 3,413 |
| Pretax return on assets | 1.1784% | 2,789 |
| Return on Equity (ROE) | 7.5659% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.5659% | 1,611 |
| Net charge-offs to loans | 0.2410% | 2,366 |
| Credit loss provision to net charge-offs | 152.0408% | 1,549 |
| Earnings coverage of net charge-offs (x) | 9.3658% | 2,491 |
| Efficiency ratio | 66.9316% | 4,318 |
| Assets per employee ($millions) | 4.3801% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 6,300 |
| Loan loss allowance to noncurrent loans | 44.0635% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 1.7514% | 2,339 |
| Noncurrent loans to loans | 1.7974% | 2,500 |
| Net loans and leases to total assets | 58.0524% | 4,006 |
| Net loans and leases to deposits | 70.7903% | 3,670 |
| Net loans and leases to core deposits | 82.2317% | 2,854 |
| Total domestic deposits to total assets | 82.0061% | 4,930 |
| Equity capital to assets | 10.9372% | 2,820 |
| Core capital (leverage) ratio | 9.7286% | 4,064 |
| Tier 1 risk-based capital ratio | 14.0187% | 4,417 |
| Total risk-based capital ratio | 14.6835% | 4,752 |
| Memoranda: | ||
| Average total assets | $1,181,300,250 | 555 |
| Average earning assets | $1,049,834,250 | 568 |
| Average equity | $126,899,750 | 566 |
| Average total loans | $704,680,500 | 595 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4149% | 2,507 |
| Cost of funding earning assets | 0.5717% | 3,204 |
| Net interest margin | 3.8432% | 2,401 |
| Noninterest income to average assets | 0.6562% | 2,880 |
| Noninterest expense to average assets | 2.8037% | 3,662 |
| Loan and lease loss provision to assets | 0.2172% | 1,748 |
| Net operating income to assets | 0.7290% | 3,676 |
| Return on assets (ROA) | 0.7808% | 3,563 |
| Pretax return on assets | 1.1298% | 2,976 |
| Return on Equity (ROE) | 7.3109% | 3,436 |
| Retained earnings to average equity (ytd only) | 7.3109% | 1,739 |
| Net charge-offs to loans | 0.2938% | 2,010 |
| Credit loss provision to net charge-offs | 123.1649% | 1,821 |
| Earnings coverage of net charge-offs (x) | 7.2126% | 2,582 |
| Efficiency ratio | 67.8794% | 4,203 |
| Assets per employee ($millions) | 4.4345% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 6,484 |
| Loan loss allowance to noncurrent loans | 34.8898% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 2.1090% | 2,044 |
| Noncurrent loans to loans | 2.0370% | 2,360 |
| Net loans and leases to total assets | 58.0591% | 3,974 |
| Net loans and leases to deposits | 69.9458% | 3,719 |
| Net loans and leases to core deposits | 79.4670% | 3,092 |
| Total domestic deposits to total assets | 83.0058% | 4,697 |
| Equity capital to assets | 10.5428% | 3,245 |
| Core capital (leverage) ratio | 9.5717% | 4,119 |
| Tier 1 risk-based capital ratio | 13.6049% | 4,706 |
| Total risk-based capital ratio | 14.2066% | 5,111 |
| Memoranda: | ||
| Average total assets | $1,189,621,330 | 552 |
| Average earning assets | $1,058,505,000 | 562 |
| Average equity | $127,042,670 | 568 |
| Average total loans | $714,027,330 | 583 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 2,373 |
| Cost of funding earning assets | 0.5894% | 3,213 |
| Net interest margin | 3.8552% | 2,262 |
| Noninterest income to average assets | 0.7219% | 2,471 |
| Noninterest expense to average assets | 2.8009% | 3,696 |
| Loan and lease loss provision to assets | 0.2171% | 1,709 |
| Net operating income to assets | 0.7811% | 3,271 |
| Return on assets (ROA) | 0.8846% | 2,870 |
| Pretax return on assets | 1.2811% | 2,293 |
| Return on Equity (ROE) | 8.2304% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.2304% | 1,673 |
| Net charge-offs to loans | 0.3638% | 1,546 |
| Credit loss provision to net charge-offs | 98.1763% | 1,900 |
| Earnings coverage of net charge-offs (x) | 6.0973% | 2,277 |
| Efficiency ratio | 66.6856% | 4,539 |
| Assets per employee ($millions) | 4.2838% | 3,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6457% | 6,652 |
| Loan loss allowance to noncurrent loans | 35.1309% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 2.0971% | 2,235 |
| Noncurrent loans to loans | 1.8380% | 2,815 |
| Net loans and leases to total assets | 60.5191% | 3,342 |
| Net loans and leases to deposits | 71.6030% | 3,236 |
| Net loans and leases to core deposits | 80.6740% | 2,724 |
| Total domestic deposits to total assets | 84.5204% | 4,256 |
| Equity capital to assets | 10.8145% | 3,181 |
| Core capital (leverage) ratio | 9.4089% | 4,223 |
| Tier 1 risk-based capital ratio | 13.4540% | 4,908 |
| Total risk-based capital ratio | 14.0298% | 5,320 |
| Memoranda: | ||
| Average total assets | $1,190,205,000 | 557 |
| Average earning assets | $1,058,102,000 | 568 |
| Average equity | $127,916,000 | 568 |
| Average total loans | $723,568,500 | 584 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 3,314 |
| Cost of funding earning assets | 0.6948% | 3,534 |
| Net interest margin | 3.8265% | 3,122 |
| Noninterest income to average assets | 0.6057% | 3,249 |
| Noninterest expense to average assets | 2.9496% | 3,470 |
| Loan and lease loss provision to assets | 0.2226% | 2,903 |
| Net operating income to assets | 0.6220% | 4,131 |
| Return on assets (ROA) | 0.6245% | 4,379 |
| Pretax return on assets | 0.8748% | 4,012 |
| Return on Equity (ROE) | 5.1265% | 4,620 |
| Retained earnings to average equity (ytd only) | 5.0161% | 2,690 |
| Net charge-offs to loans | 0.3113% | 3,089 |
| Credit loss provision to net charge-offs | 126.1234% | 2,238 |
| Earnings coverage of net charge-offs (x) | 6.1973% | 2,855 |
| Efficiency ratio | 72.3068% | 3,360 |
| Assets per employee ($millions) | 4.4718% | 3,014 |
| Cash dividends to net income (ytd only)* | 2.1529% | 4,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 6,701 |
| Loan loss allowance to noncurrent loans | 44.3731% | 5,406 |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 2,732 |
| Noncurrent loans to loans | 1.4663% | 3,396 |
| Net loans and leases to total assets | 60.2798% | 3,556 |
| Net loans and leases to deposits | 70.7457% | 3,595 |
| Net loans and leases to core deposits | 81.2087% | 2,860 |
| Total domestic deposits to total assets | 85.2064% | 3,765 |
| Equity capital to assets | 10.6802% | 3,313 |
| Core capital (leverage) ratio | 10.6667% | 2,579 |
| Tier 1 risk-based capital ratio | 13.4692% | 4,774 |
| Total risk-based capital ratio | 14.0617% | 5,180 |
| Memoranda: | ||
| Average total assets | $743,790,800 | 894 |
| Average earning assets | $668,263,000 | 900 |
| Average equity | $90,608,400 | 768 |
| Average total loans | $421,717,400 | 992 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 3,681 |
| Cost of funding earning assets | 0.7539% | 3,323 |
| Net interest margin | 3.7353% | 3,635 |
| Noninterest income to average assets | 0.6180% | 3,168 |
| Noninterest expense to average assets | 2.8614% | 3,743 |
| Loan and lease loss provision to assets | 0.2250% | 2,807 |
| Net operating income to assets | 0.6649% | 4,064 |
| Return on assets (ROA) | 0.6633% | 4,343 |
| Pretax return on assets | 0.9071% | 4,077 |
| Return on Equity (ROE) | 5.1467% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.9831% | 3,373 |
| Net charge-offs to loans | 0.4357% | 2,358 |
| Credit loss provision to net charge-offs | 94.1748% | 3,172 |
| Earnings coverage of net charge-offs (x) | 4.7476% | 3,214 |
| Efficiency ratio | 70.9182% | 3,515 |
| Assets per employee ($millions) | 5.0710% | 2,091 |
| Cash dividends to net income (ytd only)* | 3.1786% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 5,348 |
| Loan loss allowance to noncurrent loans | 54.8070% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.5806% | 3,225 |
| Noncurrent loans to loans | 2.1634% | 2,662 |
| Net loans and leases to total assets | 51.0544% | 5,180 |
| Net loans and leases to deposits | 75.0507% | 3,138 |
| Net loans and leases to core deposits | 84.8759% | 2,594 |
| Total domestic deposits to total assets | 68.0266% | 6,922 |
| Equity capital to assets | 12.0091% | 2,248 |
| Core capital (leverage) ratio | 10.8992% | 2,490 |
| Tier 1 risk-based capital ratio | 15.8054% | 3,373 |
| Total risk-based capital ratio | 16.8062% | 3,464 |
| Memoranda: | ||
| Average total assets | $632,362,500 | 1,050 |
| Average earning assets | $571,798,250 | 1,061 |
| Average equity | $81,500,250 | 863 |
| Average total loans | $346,715,000 | 1,223 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6396% | 3,184 |
| Cost of funding earning assets | 0.8208% | 3,023 |
| Net interest margin | 3.8188% | 3,275 |
| Noninterest income to average assets | 0.6391% | 3,012 |
| Noninterest expense to average assets | 2.9065% | 3,588 |
| Loan and lease loss provision to assets | 0.1913% | 3,182 |
| Net operating income to assets | 0.7199% | 3,753 |
| Return on assets (ROA) | 0.7165% | 4,047 |
| Pretax return on assets | 0.9859% | 3,761 |
| Return on Equity (ROE) | 5.4244% | 4,614 |
| Retained earnings to average equity (ytd only) | 5.4244% | 3,030 |
| Net charge-offs to loans | 0.1155% | 4,016 |
| Credit loss provision to net charge-offs | 296.4103% | 987 |
| Earnings coverage of net charge-offs (x) | 18.3128% | 1,494 |
| Efficiency ratio | 70.4201% | 3,694 |
| Assets per employee ($millions) | 4.8226% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 4,771 |
| Loan loss allowance to noncurrent loans | 64.9855% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 1.6967% | 3,173 |
| Noncurrent loans to loans | 2.0386% | 2,905 |
| Net loans and leases to total assets | 57.0353% | 4,321 |
| Net loans and leases to deposits | 71.3784% | 3,707 |
| Net loans and leases to core deposits | 80.5177% | 3,143 |
| Total domestic deposits to total assets | 79.9056% | 5,763 |
| Equity capital to assets | 13.3072% | 1,391 |
| Core capital (leverage) ratio | 11.3133% | 2,032 |
| Tier 1 risk-based capital ratio | 16.2414% | 3,040 |
| Total risk-based capital ratio | 17.3923% | 3,062 |
| Memoranda: | ||
| Average total assets | $604,303,330 | 1,106 |
| Average earning assets | $545,821,330 | 1,121 |
| Average equity | $79,825,000 | 870 |
| Average total loans | $337,679,670 | 1,264 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7075% | 3,026 |
| Cost of funding earning assets | 0.8760% | 2,862 |
| Net interest margin | 3.8315% | 3,235 |
| Noninterest income to average assets | 0.5984% | 3,240 |
| Noninterest expense to average assets | 2.9069% | 3,594 |
| Loan and lease loss provision to assets | 0.1926% | 3,023 |
| Net operating income to assets | 0.6969% | 3,899 |
| Return on assets (ROA) | 0.6964% | 4,119 |
| Pretax return on assets | 0.9670% | 3,807 |
| Return on Equity (ROE) | 5.2921% | 4,649 |
| Retained earnings to average equity (ytd only) | 5.2921% | 3,381 |
| Net charge-offs to loans | 0.1250% | 3,358 |
| Credit loss provision to net charge-offs | 280.5825% | 1,045 |
| Earnings coverage of net charge-offs (x) | 16.9029% | 1,332 |
| Efficiency ratio | 70.8340% | 3,652 |
| Assets per employee ($millions) | 4.5386% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 4,747 |
| Loan loss allowance to noncurrent loans | 73.4630% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 1.6691% | 3,349 |
| Noncurrent loans to loans | 1.8581% | 3,334 |
| Net loans and leases to total assets | 54.6050% | 4,618 |
| Net loans and leases to deposits | 67.9513% | 4,069 |
| Net loans and leases to core deposits | 77.2930% | 3,426 |
| Total domestic deposits to total assets | 80.3591% | 5,763 |
| Equity capital to assets | 13.3742% | 1,290 |
| Core capital (leverage) ratio | 11.2748% | 2,054 |
| Tier 1 risk-based capital ratio | 16.7485% | 2,784 |
| Total risk-based capital ratio | 17.9082% | 2,791 |
| Memoranda: | ||
| Average total assets | $600,218,500 | 1,110 |
| Average earning assets | $543,388,000 | 1,121 |
| Average equity | $78,986,000 | 875 |
| Average total loans | $329,511,500 | 1,288 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 3,485 |
| Cost of funding earning assets | 1.1168% | 2,559 |
| Net interest margin | 3.7556% | 4,052 |
| Noninterest income to average assets | 0.3899% | 4,704 |
| Noninterest expense to average assets | 2.9692% | 3,703 |
| Loan and lease loss provision to assets | 0.2351% | 3,850 |
| Net operating income to assets | 0.4617% | 4,583 |
| Return on assets (ROA) | 0.4432% | 4,883 |
| Pretax return on assets | 0.5921% | 4,722 |
| Return on Equity (ROE) | 3.1064% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.1064% | 4,023 |
| Net charge-offs to loans | 0.1651% | 4,831 |
| Credit loss provision to net charge-offs | 241.4487% | 999 |
| Earnings coverage of net charge-offs (x) | 8.7485% | 2,103 |
| Efficiency ratio | 76.8087% | 2,771 |
| Assets per employee ($millions) | 4.8086% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,873 |
| Loan loss allowance to noncurrent loans | 93.4071% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3480% | 3,982 |
| Noncurrent loans to loans | 1.3978% | 4,051 |
| Net loans and leases to total assets | 53.7342% | 5,075 |
| Net loans and leases to deposits | 68.3417% | 4,392 |
| Net loans and leases to core deposits | 79.7698% | 3,473 |
| Total domestic deposits to total assets | 78.6259% | 6,066 |
| Equity capital to assets | 12.9489% | 1,515 |
| Core capital (leverage) ratio | 12.2325% | 1,474 |
| Tier 1 risk-based capital ratio | 17.2512% | 2,488 |
| Total risk-based capital ratio | 18.4158% | 2,486 |
| Memoranda: | ||
| Average total assets | $510,407,000 | 1,311 |
| Average earning assets | $466,311,600 | 1,317 |
| Average equity | $72,817,800 | 928 |
| Average total loans | $300,971,200 | 1,413 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 3,058 |
| Cost of funding earning assets | 1.1895% | 2,385 |
| Net interest margin | 3.8161% | 3,793 |
| Noninterest income to average assets | 0.4483% | 4,307 |
| Noninterest expense to average assets | 3.0010% | 3,552 |
| Loan and lease loss provision to assets | 0.2466% | 3,539 |
| Net operating income to assets | 0.5251% | 4,434 |
| Return on assets (ROA) | 0.5508% | 4,499 |
| Pretax return on assets | 0.7155% | 4,416 |
| Return on Equity (ROE) | 3.7530% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.7530% | 4,076 |
| Net charge-offs to loans | 0.0517% | 5,461 |
| Credit loss provision to net charge-offs | 789.4737% | 338 |
| Earnings coverage of net charge-offs (x) | 29.7273% | 942 |
| Efficiency ratio | 75.3556% | 2,952 |
| Assets per employee ($millions) | 4.6391% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 4,699 |
| Loan loss allowance to noncurrent loans | 120.1752% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 1.8910% | 3,281 |
| Noncurrent loans to loans | 1.1379% | 4,643 |
| Net loans and leases to total assets | 64.3903% | 3,235 |
| Net loans and leases to deposits | 85.1796% | 1,807 |
| Net loans and leases to core deposits | 91.5893% | 2,044 |
| Total domestic deposits to total assets | 75.5936% | 6,578 |
| Equity capital to assets | 15.9944% | 626 |
| Core capital (leverage) ratio | 13.8417% | 944 |
| Tier 1 risk-based capital ratio | 18.4181% | 2,110 |
| Total risk-based capital ratio | 19.6613% | 2,082 |
| Memoranda: | ||
| Average total assets | $486,538,250 | 1,375 |
| Average earning assets | $443,859,250 | 1,376 |
| Average equity | $71,408,500 | 950 |
| Average total loans | $293,745,750 | 1,465 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 3,781 |
| Cost of funding earning assets | 1.2258% | 2,407 |
| Net interest margin | 3.6390% | 4,569 |
| Noninterest income to average assets | 0.4620% | 4,169 |
| Noninterest expense to average assets | 2.9678% | 3,767 |
| Loan and lease loss provision to assets | 0.2475% | 3,434 |
| Net operating income to assets | 0.4454% | 4,741 |
| Return on assets (ROA) | 0.4851% | 4,711 |
| Pretax return on assets | 0.6159% | 4,691 |
| Return on Equity (ROE) | 3.4090% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.4090% | 4,088 |
| Net charge-offs to loans | 0.0253% | 5,470 |
| Credit loss provision to net charge-offs | 1,666.6667% | 205 |
| Earnings coverage of net charge-offs (x) | 54.7500% | 578 |
| Efficiency ratio | 77.2395% | 2,820 |
| Assets per employee ($millions) | 4.6430% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 4,477 |
| Loan loss allowance to noncurrent loans | 97.7945% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.8738% | 3,400 |
| Noncurrent loans to loans | 1.4526% | 4,245 |
| Net loans and leases to total assets | 59.8984% | 4,290 |
| Net loans and leases to deposits | 75.4335% | 3,573 |
| Net loans and leases to core deposits | 80.5996% | 3,706 |
| Total domestic deposits to total assets | 79.4056% | 5,974 |
| Equity capital to assets | 14.5440% | 926 |
| Core capital (leverage) ratio | 12.2022% | 1,503 |
| Tier 1 risk-based capital ratio | 17.2617% | 2,424 |
| Total risk-based capital ratio | 18.5118% | 2,398 |
| Memoranda: | ||
| Average total assets | $484,801,670 | 1,387 |
| Average earning assets | $442,149,670 | 1,387 |
| Average equity | $68,994,000 | 980 |
| Average total loans | $284,651,670 | 1,528 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 4,291 |
| Cost of funding earning assets | 1.2521% | 2,493 |
| Net interest margin | 3.4994% | 5,014 |
| Noninterest income to average assets | 0.3813% | 4,864 |
| Noninterest expense to average assets | 2.9504% | 3,853 |
| Loan and lease loss provision to assets | 0.2470% | 3,188 |
| Net operating income to assets | 0.3272% | 5,282 |
| Return on assets (ROA) | 0.3541% | 5,232 |
| Pretax return on assets | 0.4117% | 5,304 |
| Return on Equity (ROE) | 2.5155% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.5155% | 4,652 |
| Net charge-offs to loans | -0.5452% | 7,421 |
| Credit loss provision to net charge-offs | -78.5340% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1277% | 2,350 |
| Assets per employee ($millions) | 4.7176% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 4,037 |
| Loan loss allowance to noncurrent loans | 127.3321% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.7176% | 3,681 |
| Noncurrent loans to loans | 1.2038% | 4,674 |
| Net loans and leases to total assets | 56.6594% | 4,879 |
| Net loans and leases to deposits | 72.2700% | 4,030 |
| Net loans and leases to core deposits | 77.3860% | 4,104 |
| Total domestic deposits to total assets | 78.3996% | 6,316 |
| Equity capital to assets | 14.1179% | 975 |
| Core capital (leverage) ratio | 12.0834% | 1,516 |
| Tier 1 risk-based capital ratio | 17.4368% | 2,323 |
| Total risk-based capital ratio | 18.6877% | 2,289 |
| Memoranda: | ||
| Average total assets | $485,765,500 | 1,389 |
| Average earning assets | $443,730,500 | 1,393 |
| Average equity | $68,376,500 | 982 |
| Average total loans | $280,276,500 | 1,562 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4210% | 2,576 |
| Cost of funding earning assets | 1.5646% | 2,277 |
| Net interest margin | 3.8564% | 3,703 |
| Noninterest income to average assets | 0.5118% | 4,080 |
| Noninterest expense to average assets | 3.3051% | 2,724 |
| Loan and lease loss provision to assets | 0.2805% | 4,567 |
| Net operating income to assets | 0.2982% | 4,945 |
| Return on assets (ROA) | 0.3307% | 4,983 |
| Pretax return on assets | 0.4730% | 4,714 |
| Return on Equity (ROE) | 2.7484% | 5,059 |
| Retained earnings to average equity (ytd only) | 2.2238% | 4,328 |
| Net charge-offs to loans | 0.5246% | 3,524 |
| Credit loss provision to net charge-offs | 81.8421% | 5,493 |
| Earnings coverage of net charge-offs (x) | 2.0632% | 4,177 |
| Efficiency ratio | 79.1020% | 2,525 |
| Assets per employee ($millions) | 4.8562% | 2,338 |
| Cash dividends to net income (ytd only)* | 19.0866% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2828% | 5,091 |
| Loan loss allowance to noncurrent loans | 77.0250% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 3,628 |
| Noncurrent loans to loans | 1.6654% | 4,002 |
| Net loans and leases to total assets | 57.1123% | 5,169 |
| Net loans and leases to deposits | 74.6724% | 4,086 |
| Net loans and leases to core deposits | 80.1363% | 4,190 |
| Total domestic deposits to total assets | 76.4838% | 6,571 |
| Equity capital to assets | 14.0342% | 1,026 |
| Core capital (leverage) ratio | 12.2273% | 1,418 |
| Tier 1 risk-based capital ratio | 17.2704% | 2,237 |
| Total risk-based capital ratio | 18.3803% | 2,266 |
| Memoranda: | ||
| Average total assets | $443,556,000 | 1,498 |
| Average earning assets | $402,601,400 | 1,512 |
| Average equity | $53,377,000 | 1,255 |
| Average total loans | $289,761,400 | 1,542 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5654% | 2,193 |
| Cost of funding earning assets | 1.6057% | 2,360 |
| Net interest margin | 3.9597% | 3,294 |
| Noninterest income to average assets | 0.5259% | 3,975 |
| Noninterest expense to average assets | 3.2683% | 2,680 |
| Loan and lease loss provision to assets | 0.2229% | 4,823 |
| Net operating income to assets | 0.4034% | 4,737 |
| Return on assets (ROA) | 0.4446% | 4,757 |
| Pretax return on assets | 0.6841% | 4,287 |
| Return on Equity (ROE) | 3.8751% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.1237% | 4,252 |
| Net charge-offs to loans | 0.1576% | 5,056 |
| Credit loss provision to net charge-offs | 209.8551% | 1,676 |
| Earnings coverage of net charge-offs (x) | 7.9420% | 2,234 |
| Efficiency ratio | 78.1879% | 2,600 |
| Assets per employee ($millions) | 4.5402% | 2,851 |
| Cash dividends to net income (ytd only)* | 19.3903% | 2,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5144% | 3,900 |
| Loan loss allowance to noncurrent loans | 90.2522% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 1.6310% | 3,993 |
| Noncurrent loans to loans | 1.6780% | 4,124 |
| Net loans and leases to total assets | 61.0038% | 4,716 |
| Net loans and leases to deposits | 76.2299% | 4,142 |
| Net loans and leases to core deposits | 82.5176% | 4,162 |
| Total domestic deposits to total assets | 80.0260% | 5,704 |
| Equity capital to assets | 11.1749% | 2,797 |
| Core capital (leverage) ratio | 8.8333% | 4,949 |
| Tier 1 risk-based capital ratio | 11.8144% | 5,624 |
| Total risk-based capital ratio | 13.0667% | 5,604 |
| Memoranda: | ||
| Average total assets | $433,041,250 | 1,564 |
| Average earning assets | $392,176,750 | 1,565 |
| Average equity | $49,683,250 | 1,354 |
| Average total loans | $291,964,250 | 1,552 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6649% | 1,888 |
| Cost of funding earning assets | 1.6154% | 2,574 |
| Net interest margin | 4.0495% | 2,791 |
| Noninterest income to average assets | 0.5779% | 3,490 |
| Noninterest expense to average assets | 3.3137% | 2,521 |
| Loan and lease loss provision to assets | 0.2554% | 4,379 |
| Net operating income to assets | 0.4241% | 4,640 |
| Return on assets (ROA) | 0.4629% | 4,650 |
| Pretax return on assets | 0.7337% | 4,131 |
| Return on Equity (ROE) | 3.9974% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.9974% | 3,536 |
| Net charge-offs to loans | 0.2220% | 4,272 |
| Credit loss provision to net charge-offs | 165.8537% | 2,377 |
| Earnings coverage of net charge-offs (x) | 6.0305% | 2,544 |
| Efficiency ratio | 76.8397% | 2,928 |
| Assets per employee ($millions) | 4.4022% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 4,381 |
| Loan loss allowance to noncurrent loans | 88.9854% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.8497% | 3,692 |
| Noncurrent loans to loans | 1.5833% | 4,336 |
| Net loans and leases to total assets | 67.8238% | 3,410 |
| Net loans and leases to deposits | 85.2858% | 2,644 |
| Net loans and leases to core deposits | 93.0339% | 2,839 |
| Total domestic deposits to total assets | 79.5252% | 5,886 |
| Equity capital to assets | 11.8905% | 2,160 |
| Core capital (leverage) ratio | 9.1155% | 4,439 |
| Tier 1 risk-based capital ratio | 11.8497% | 5,448 |
| Total risk-based capital ratio | 13.1010% | 5,412 |
| Memoranda: | ||
| Average total assets | $426,049,670 | 1,600 |
| Average earning assets | $385,531,670 | 1,604 |
| Average equity | $49,332,330 | 1,354 |
| Average total loans | $295,543,670 | 1,547 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6518% | 1,953 |
| Cost of funding earning assets | 1.5824% | 3,063 |
| Net interest margin | 4.0695% | 2,569 |
| Noninterest income to average assets | 0.4937% | 4,096 |
| Noninterest expense to average assets | 3.2784% | 2,598 |
| Loan and lease loss provision to assets | 0.2562% | 3,993 |
| Net operating income to assets | 0.4081% | 4,802 |
| Return on assets (ROA) | 0.4853% | 4,603 |
| Pretax return on assets | 0.7640% | 4,013 |
| Return on Equity (ROE) | 4.2477% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.2477% | 3,605 |
| Net charge-offs to loans | -0.0269% | 7,153 |
| Credit loss provision to net charge-offs | -1,370.0000% | 6,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1710% | 3,037 |
| Assets per employee ($millions) | 4.4828% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4204% | 4,320 |
| Loan loss allowance to noncurrent loans | 80.6103% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.0445% | 3,449 |
| Noncurrent loans to loans | 1.7620% | 4,106 |
| Net loans and leases to total assets | 68.7490% | 3,219 |
| Net loans and leases to deposits | 87.7872% | 2,256 |
| Net loans and leases to core deposits | 95.1604% | 2,680 |
| Total domestic deposits to total assets | 78.3133% | 6,240 |
| Equity capital to assets | 11.6737% | 2,245 |
| Core capital (leverage) ratio | 8.9286% | 4,681 |
| Tier 1 risk-based capital ratio | 11.7699% | 5,432 |
| Total risk-based capital ratio | 13.0209% | 5,368 |
| Memoranda: | ||
| Average total assets | $427,768,000 | 1,628 |
| Average earning assets | $387,272,000 | 1,640 |
| Average equity | $48,873,000 | 1,371 |
| Average total loans | $297,951,500 | 1,575 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9665% | 2,005 |
| Cost of funding earning assets | 1.9084% | 3,419 |
| Net interest margin | 4.0581% | 2,618 |
| Noninterest income to average assets | 0.5987% | 3,643 |
| Noninterest expense to average assets | 3.4338% | 2,574 |
| Loan and lease loss provision to assets | 0.9892% | 2,293 |
| Net operating income to assets | -0.0897% | 5,663 |
| Return on assets (ROA) | 0.0810% | 5,305 |
| Pretax return on assets | 0.1123% | 5,195 |
| Return on Equity (ROE) | 0.7221% | 5,324 |
| Retained earnings to average equity (ytd only) | 0.7221% | 4,505 |
| Net charge-offs to loans | 0.9212% | 2,546 |
| Credit loss provision to net charge-offs | 153.7357% | 2,979 |
| Earnings coverage of net charge-offs (x) | 1.3434% | 4,789 |
| Efficiency ratio | 78.3569% | 3,135 |
| Assets per employee ($millions) | 4.4758% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 4,846 |
| Loan loss allowance to noncurrent loans | 90.3376% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.8659% | 3,576 |
| Noncurrent loans to loans | 1.4220% | 4,548 |
| Net loans and leases to total assets | 68.6745% | 3,554 |
| Net loans and leases to deposits | 86.7281% | 2,796 |
| Net loans and leases to core deposits | 118.9320% | 2,043 |
| Total domestic deposits to total assets | 79.1837% | 5,935 |
| Equity capital to assets | 11.1838% | 2,545 |
| Core capital (leverage) ratio | 8.5259% | 5,239 |
| Tier 1 risk-based capital ratio | 11.2425% | 5,675 |
| Total risk-based capital ratio | 12.4525% | 5,669 |
| Memoranda: | ||
| Average total assets | $422,247,800 | 1,636 |
| Average earning assets | $384,931,400 | 1,633 |
| Average equity | $47,358,600 | 1,418 |
| Average total loans | $294,943,600 | 1,629 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9839% | 2,102 |
| Cost of funding earning assets | 1.9864% | 3,437 |
| Net interest margin | 3.9975% | 2,838 |
| Noninterest income to average assets | 0.6185% | 3,559 |
| Noninterest expense to average assets | 3.6472% | 1,929 |
| Loan and lease loss provision to assets | 1.3283% | 1,456 |
| Net operating income to assets | -0.4659% | 6,394 |
| Return on assets (ROA) | -0.2868% | 6,194 |
| Pretax return on assets | -0.4347% | 6,235 |
| Return on Equity (ROE) | -2.5556% | 6,172 |
| Retained earnings to average equity (ytd only) | -2.5556% | 5,830 |
| Net charge-offs to loans | 1.2111% | 1,683 |
| Credit loss provision to net charge-offs | 156.8532% | 3,040 |
| Earnings coverage of net charge-offs (x) | 0.7349% | 5,304 |
| Efficiency ratio | 82.6084% | 2,497 |
| Assets per employee ($millions) | 4.2818% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 4,068 |
| Loan loss allowance to noncurrent loans | 114.6604% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6643% | 3,874 |
| Noncurrent loans to loans | 1.2029% | 4,937 |
| Net loans and leases to total assets | 65.6933% | 4,492 |
| Net loans and leases to deposits | 87.1450% | 3,124 |
| Net loans and leases to core deposits | 115.0008% | 2,725 |
| Total domestic deposits to total assets | 75.3839% | 6,699 |
| Equity capital to assets | 10.9882% | 3,017 |
| Core capital (leverage) ratio | 8.1419% | 6,117 |
| Tier 1 risk-based capital ratio | 11.1866% | 5,771 |
| Total risk-based capital ratio | 12.4367% | 5,717 |
| Memoranda: | ||
| Average total assets | $419,271,250 | 1,666 |
| Average earning assets | $382,927,000 | 1,661 |
| Average equity | $47,059,500 | 1,455 |
| Average total loans | $293,171,250 | 1,655 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8666% | 2,734 |
| Cost of funding earning assets | 2.0408% | 3,571 |
| Net interest margin | 3.8258% | 3,435 |
| Noninterest income to average assets | 0.6716% | 3,185 |
| Noninterest expense to average assets | 3.7809% | 1,687 |
| Loan and lease loss provision to assets | 0.2018% | 5,035 |
| Net operating income to assets | 0.1236% | 5,496 |
| Return on assets (ROA) | 0.1883% | 5,387 |
| Pretax return on assets | 0.2868% | 5,235 |
| Return on Equity (ROE) | 1.6659% | 5,415 |
| Retained earnings to average equity (ytd only) | 1.6659% | 4,412 |
| Net charge-offs to loans | 0.4361% | 3,064 |
| Credit loss provision to net charge-offs | 65.1163% | 5,506 |
| Earnings coverage of net charge-offs (x) | 1.2605% | 4,587 |
| Efficiency ratio | 87.6310% | 2,056 |
| Assets per employee ($millions) | 4.1487% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7472% | 7,309 |
| Loan loss allowance to noncurrent loans | 33.5422% | 6,226 |
| Noncurrent assets plus other real estate owned to assets | 1.8033% | 3,472 |
| Noncurrent loans to loans | 2.2278% | 3,221 |
| Net loans and leases to total assets | 65.6779% | 4,631 |
| Net loans and leases to deposits | 84.2720% | 3,831 |
| Net loans and leases to core deposits | 118.3676% | 2,513 |
| Total domestic deposits to total assets | 77.9356% | 6,090 |
| Equity capital to assets | 10.8425% | 3,064 |
| Core capital (leverage) ratio | 8.7924% | 4,954 |
| Tier 1 risk-based capital ratio | 11.4074% | 5,487 |
| Total risk-based capital ratio | 12.0973% | 5,970 |
| Memoranda: | ||
| Average total assets | $416,302,000 | 1,696 |
| Average earning assets | $380,831,000 | 1,699 |
| Average equity | $47,063,000 | 1,467 |
| Average total loans | $295,822,000 | 1,677 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0043% | 2,343 |
| Cost of funding earning assets | 2.1708% | 3,316 |
| Net interest margin | 3.8335% | 3,323 |
| Noninterest income to average assets | 0.8139% | 2,262 |
| Noninterest expense to average assets | 4.0388% | 1,140 |
| Loan and lease loss provision to assets | 0.1829% | 4,614 |
| Net operating income to assets | 0.0615% | 6,090 |
| Return on assets (ROA) | 0.0785% | 6,212 |
| Pretax return on assets | 0.1193% | 6,121 |
| Return on Equity (ROE) | 0.6791% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.6791% | 5,389 |
| Net charge-offs to loans | 0.1819% | 3,547 |
| Credit loss provision to net charge-offs | 136.2963% | 2,980 |
| Earnings coverage of net charge-offs (x) | 2.0593% | 3,696 |
| Efficiency ratio | 90.3040% | 1,703 |
| Assets per employee ($millions) | 3.3951% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8166% | 7,096 |
| Loan loss allowance to noncurrent loans | 50.9177% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 3,847 |
| Noncurrent loans to loans | 1.6037% | 3,873 |
| Net loans and leases to total assets | 70.6628% | 3,539 |
| Net loans and leases to deposits | 85.4500% | 3,726 |
| Net loans and leases to core deposits | 118.6295% | 2,537 |
| Total domestic deposits to total assets | 82.6949% | 4,289 |
| Equity capital to assets | 11.3325% | 2,698 |
| Core capital (leverage) ratio | 9.3419% | 4,182 |
| Tier 1 risk-based capital ratio | 11.5825% | 5,335 |
| Total risk-based capital ratio | 12.3736% | 5,709 |
| Memoranda: | ||
| Average total assets | $402,498,500 | 1,748 |
| Average earning assets | $367,600,500 | 1,756 |
| Average equity | $46,529,000 | 1,487 |
| Average total loans | $296,860,500 | 1,679 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6977% | 2,033 |
| Cost of funding earning assets | 2.6666% | 3,331 |
| Net interest margin | 4.0311% | 2,974 |
| Noninterest income to average assets | 1.5103% | 613 |
| Noninterest expense to average assets | 4.2300% | 1,119 |
| Loan and lease loss provision to assets | 0.1341% | 5,644 |
| Net operating income to assets | 0.5116% | 4,679 |
| Return on assets (ROA) | 0.5124% | 4,527 |
| Pretax return on assets | 0.7986% | 4,079 |
| Return on Equity (ROE) | 4.4442% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.4442% | 2,362 |
| Net charge-offs to loans | 0.0947% | 5,381 |
| Credit loss provision to net charge-offs | 183.1224% | 2,721 |
| Earnings coverage of net charge-offs (x) | 12.7173% | 2,221 |
| Efficiency ratio | 79.6779% | 2,644 |
| Assets per employee ($millions) | 3.0207% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8306% | 6,973 |
| Loan loss allowance to noncurrent loans | 63.0372% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 3,112 |
| Noncurrent loans to loans | 1.3176% | 3,878 |
| Net loans and leases to total assets | 75.9172% | 2,647 |
| Net loans and leases to deposits | 95.4411% | 2,541 |
| Net loans and leases to core deposits | 124.4373% | 2,289 |
| Total domestic deposits to total assets | 79.5435% | 5,185 |
| Equity capital to assets | 11.8138% | 2,420 |
| Core capital (leverage) ratio | 8.8247% | 4,999 |
| Tier 1 risk-based capital ratio | 10.7257% | 5,978 |
| Total risk-based capital ratio | 11.5362% | 6,309 |
| Memoranda: | ||
| Average total assets | $323,568,000 | 2,066 |
| Average earning assets | $293,071,800 | 2,090 |
| Average equity | $37,307,000 | 1,814 |
| Average total loans | $250,303,800 | 1,904 |