Home > Maspeth Federal Savings and Loan Association > Performance and Condition Ratios
Maspeth Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 3,199 |
| Cost of funding earning assets | 0.8355% | 3,647 |
| Net interest margin | 3.6086% | 1,947 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 2.0787% | 3,454 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.0562% | 2,052 |
| Return on assets (ROA) | 1.0562% | 2,014 |
| Pretax return on assets | 1.4784% | 1,474 |
| Return on Equity (ROE) | 3.1300% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.1317% | 3,236 |
| Net charge-offs to loans | 0.0012% | 2,812 |
| Credit loss provision to net charge-offs | 616.6667% | 579 |
| Earnings coverage of net charge-offs (x) | 1,311.7083% | 118 |
| Efficiency ratio | 58.3243% | 3,260 |
| Assets per employee ($millions) | 10.9165% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 3,805 |
| Loan loss allowance to noncurrent loans | 48.9036% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 1.8311% | 171 |
| Noncurrent loans to loans | 1.7811% | 340 |
| Net loans and leases to total assets | 93.1200% | 7 |
| Net loans and leases to deposits | 145.0751% | 19 |
| Net loans and leases to core deposits | 157.0215% | 169 |
| Total domestic deposits to total assets | 64.1900% | 4,405 |
| Equity capital to assets | 34.1179% | 150 |
| Core capital (leverage) ratio | 34.4706% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,119,450,400 | 544 |
| Average earning assets | $2,059,000,000 | 507 |
| Average equity | $714,822,800 | 211 |
| Average total loans | $1,962,649,400 | 409 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4346% | 3,034 |
| Cost of funding earning assets | 0.7573% | 3,641 |
| Net interest margin | 3.6773% | 1,828 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 2.0658% | 3,436 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.1025% | 2,047 |
| Return on assets (ROA) | 1.1025% | 2,029 |
| Pretax return on assets | 1.5396% | 1,487 |
| Return on Equity (ROE) | 3.2800% | 4,076 |
| Retained earnings to average equity (ytd only) | 3.2784% | 3,448 |
| Net charge-offs to loans | 0.0016% | 2,531 |
| Credit loss provision to net charge-offs | 1,254.1667% | 344 |
| Earnings coverage of net charge-offs (x) | 1,031.1667% | 148 |
| Efficiency ratio | 56.9974% | 3,313 |
| Assets per employee ($millions) | 10.7385% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 3,787 |
| Loan loss allowance to noncurrent loans | 42.3775% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 2.0650% | 131 |
| Noncurrent loans to loans | 2.0814% | 277 |
| Net loans and leases to total assets | 93.3400% | 10 |
| Net loans and leases to deposits | 145.6302% | 20 |
| Net loans and leases to core deposits | 156.1242% | 123 |
| Total domestic deposits to total assets | 64.0900% | 4,431 |
| Equity capital to assets | 34.0383% | 154 |
| Core capital (leverage) ratio | 34.4575% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,117,135,250 | 546 |
| Average earning assets | $2,056,807,750 | 507 |
| Average equity | $711,960,500 | 210 |
| Average total loans | $1,953,394,750 | 410 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 2,765 |
| Cost of funding earning assets | 0.6749% | 3,555 |
| Net interest margin | 3.7769% | 1,666 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.0629% | 3,436 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.1871% | 1,863 |
| Return on assets (ROA) | 1.1871% | 1,857 |
| Pretax return on assets | 1.6534% | 1,313 |
| Return on Equity (ROE) | 3.5400% | 4,088 |
| Retained earnings to average equity (ytd only) | 3.5443% | 3,336 |
| Net charge-offs to loans | 0.0010% | 2,383 |
| Credit loss provision to net charge-offs | 1,990.0000% | 267 |
| Earnings coverage of net charge-offs (x) | 1,770.6000% | 76 |
| Efficiency ratio | 55.2302% | 3,506 |
| Assets per employee ($millions) | 10.8597% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8824% | 3,830 |
| Loan loss allowance to noncurrent loans | 48.7793% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.7700% | 170 |
| Noncurrent loans to loans | 1.8090% | 333 |
| Net loans and leases to total assets | 93.2100% | 11 |
| Net loans and leases to deposits | 144.5702% | 20 |
| Net loans and leases to core deposits | 154.0689% | 123 |
| Total domestic deposits to total assets | 64.4800% | 4,449 |
| Equity capital to assets | 33.9751% | 148 |
| Core capital (leverage) ratio | 34.1548% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,117,682,333 | 531 |
| Average earning assets | $2,056,618,000 | 494 |
| Average equity | $709,254,333 | 205 |
| Average total loans | $1,940,499,000 | 397 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2495% | 2,930 |
| Cost of funding earning assets | 0.5800% | 3,446 |
| Net interest margin | 3.6696% | 1,972 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 2.1137% | 3,346 |
| Loan and lease loss provision to assets | -0.0300% | 4,479 |
| Net operating income to assets | 1.0955% | 2,245 |
| Return on assets (ROA) | 1.0955% | 2,208 |
| Pretax return on assets | 1.5153% | 1,638 |
| Return on Equity (ROE) | 3.2900% | 4,142 |
| Retained earnings to average equity (ytd only) | 3.2947% | 3,438 |
| Net charge-offs to loans | 0.0021% | 1,958 |
| Credit loss provision to net charge-offs | -1,410.0000% | 4,658 |
| Earnings coverage of net charge-offs (x) | 790.2000% | 140 |
| Efficiency ratio | 58.6737% | 3,111 |
| Assets per employee ($millions) | 11.0342% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 3,900 |
| Loan loss allowance to noncurrent loans | 46.2936% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.8701% | 140 |
| Noncurrent loans to loans | 1.9091% | 309 |
| Net loans and leases to total assets | 90.7500% | 28 |
| Net loans and leases to deposits | 140.1483% | 25 |
| Net loans and leases to core deposits | 148.0831% | 128 |
| Total domestic deposits to total assets | 64.7500% | 4,501 |
| Equity capital to assets | 33.4916% | 110 |
| Core capital (leverage) ratio | 33.8077% | 114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,123,135,000 | 542 |
| Average earning assets | $2,060,832,500 | 503 |
| Average equity | $705,991,500 | 212 |
| Average total loans | $1,920,093,000 | 410 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 2,242 |
| Cost of funding earning assets | 0.3400% | 2,555 |
| Net interest margin | 3.4732% | 2,017 |
| Noninterest income to average assets | 0.0500% | 4,578 |
| Noninterest expense to average assets | 1.8299% | 3,971 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 1.1829% | 1,847 |
| Return on assets (ROA) | 1.1829% | 1,780 |
| Pretax return on assets | 1.6061% | 1,158 |
| Return on Equity (ROE) | 3.7300% | 4,197 |
| Retained earnings to average equity (ytd only) | 3.7297% | 3,487 |
| Net charge-offs to loans | -0.0044% | 3,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.4496% | 3,839 |
| Assets per employee ($millions) | 11.5012% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 3,733 |
| Loan loss allowance to noncurrent loans | 44.3880% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 1.9691% | 123 |
| Noncurrent loans to loans | 2.0501% | 272 |
| Net loans and leases to total assets | 88.5100% | 59 |
| Net loans and leases to deposits | 135.1505% | 31 |
| Net loans and leases to core deposits | 141.0508% | 139 |
| Total domestic deposits to total assets | 65.4900% | 4,535 |
| Equity capital to assets | 33.0141% | 115 |
| Core capital (leverage) ratio | 33.1659% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,180,814,800 | 513 |
| Average earning assets | $2,119,588,200 | 484 |
| Average equity | $691,672,400 | 217 |
| Average total loans | $1,813,228,800 | 408 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 2,016 |
| Cost of funding earning assets | 0.3034% | 2,123 |
| Net interest margin | 3.4070% | 1,951 |
| Noninterest income to average assets | 0.0600% | 4,582 |
| Noninterest expense to average assets | 1.7328% | 4,108 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.2253% | 1,610 |
| Return on assets (ROA) | 1.2253% | 1,579 |
| Pretax return on assets | 1.6517% | 1,000 |
| Return on Equity (ROE) | 3.9000% | 4,165 |
| Retained earnings to average equity (ytd only) | 3.9019% | 3,477 |
| Net charge-offs to loans | -0.0059% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.4321% | 4,049 |
| Assets per employee ($millions) | 11.6656% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 3,724 |
| Loan loss allowance to noncurrent loans | 45.9662% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 1.8900% | 148 |
| Noncurrent loans to loans | 2.0505% | 294 |
| Net loans and leases to total assets | 84.7100% | 202 |
| Net loans and leases to deposits | 127.5432% | 34 |
| Net loans and leases to core deposits | 132.9083% | 134 |
| Total domestic deposits to total assets | 66.4200% | 4,581 |
| Equity capital to assets | 32.2687% | 109 |
| Core capital (leverage) ratio | 32.5133% | 110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,194,090,250 | 507 |
| Average earning assets | $2,133,791,000 | 482 |
| Average equity | $688,979,250 | 216 |
| Average total loans | $1,791,426,750 | 407 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 1,682 |
| Cost of funding earning assets | 0.2887% | 1,813 |
| Net interest margin | 3.3616% | 1,711 |
| Noninterest income to average assets | 0.0201% | 4,702 |
| Noninterest expense to average assets | 1.7271% | 4,097 |
| Loan and lease loss provision to assets | -0.0189% | 4,425 |
| Net operating income to assets | 1.1495% | 1,603 |
| Return on assets (ROA) | 1.1495% | 1,583 |
| Pretax return on assets | 1.5811% | 987 |
| Return on Equity (ROE) | 3.6938% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.6938% | 3,205 |
| Net charge-offs to loans | -0.0089% | 3,547 |
| Credit loss provision to net charge-offs | 264.5570% | 847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5068% | 4,086 |
| Assets per employee ($millions) | 12.2152% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 3,659 |
| Loan loss allowance to noncurrent loans | 48.0295% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 1.7959% | 177 |
| Noncurrent loans to loans | 2.0536% | 312 |
| Net loans and leases to total assets | 80.0694% | 398 |
| Net loans and leases to deposits | 119.2405% | 47 |
| Net loans and leases to core deposits | 124.2776% | 152 |
| Total domestic deposits to total assets | 67.1495% | 4,645 |
| Equity capital to assets | 31.5924% | 61 |
| Core capital (leverage) ratio | 31.3459% | 67 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,206,073,000 | 504 |
| Average earning assets | $2,145,343,667 | 480 |
| Average equity | $686,504,000 | 215 |
| Average total loans | $1,773,382,000 | 403 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6630% | 1,360 |
| Cost of funding earning assets | 0.2965% | 1,689 |
| Net interest margin | 3.3665% | 1,383 |
| Noninterest income to average assets | 0.0193% | 4,722 |
| Noninterest expense to average assets | 1.6804% | 4,165 |
| Loan and lease loss provision to assets | -0.0291% | 4,477 |
| Net operating income to assets | 1.1968% | 1,253 |
| Return on assets (ROA) | 1.1968% | 1,246 |
| Pretax return on assets | 1.6407% | 772 |
| Return on Equity (ROE) | 3.8751% | 3,909 |
| Retained earnings to average equity (ytd only) | 3.8751% | 2,981 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0446% | 4,252 |
| Assets per employee ($millions) | 12.2911% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9933% | 3,760 |
| Loan loss allowance to noncurrent loans | 49.5193% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7136% | 194 |
| Noncurrent loans to loans | 2.0058% | 367 |
| Net loans and leases to total assets | 78.0017% | 377 |
| Net loans and leases to deposits | 115.7985% | 41 |
| Net loans and leases to core deposits | 121.2270% | 141 |
| Total domestic deposits to total assets | 67.3599% | 4,683 |
| Equity capital to assets | 30.8550% | 62 |
| Core capital (leverage) ratio | 31.2657% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,215,851,500 | 504 |
| Average earning assets | $2,154,180,000 | 481 |
| Average equity | $684,370,000 | 217 |
| Average total loans | $1,775,988,000 | 401 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 2,263 |
| Cost of funding earning assets | 0.4237% | 1,366 |
| Net interest margin | 3.2220% | 2,549 |
| Noninterest income to average assets | 0.0280% | 4,759 |
| Noninterest expense to average assets | 1.8290% | 4,089 |
| Loan and lease loss provision to assets | -0.0212% | 4,231 |
| Net operating income to assets | 1.0219% | 2,585 |
| Return on assets (ROA) | 1.0219% | 2,661 |
| Pretax return on assets | 1.3441% | 2,223 |
| Return on Equity (ROE) | 3.2409% | 4,328 |
| Retained earnings to average equity (ytd only) | 3.2409% | 3,529 |
| Net charge-offs to loans | 0.0008% | 2,661 |
| Credit loss provision to net charge-offs | -3,006.6667% | 4,110 |
| Earnings coverage of net charge-offs (x) | 1,878.7333% | 73 |
| Efficiency ratio | 58.0278% | 3,441 |
| Assets per employee ($millions) | 12.0602% | 389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 3,843 |
| Loan loss allowance to noncurrent loans | 45.1590% | 3,932 |
| Noncurrent assets plus other real estate owned to assets | 1.8978% | 174 |
| Noncurrent loans to loans | 2.1624% | 341 |
| Net loans and leases to total assets | 80.7290% | 238 |
| Net loans and leases to deposits | 119.9750% | 40 |
| Net loans and leases to core deposits | 125.7905% | 124 |
| Total domestic deposits to total assets | 67.2882% | 4,716 |
| Equity capital to assets | 30.9156% | 56 |
| Core capital (leverage) ratio | 31.2476% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.1911% | 83 |
| Memoranda: | ||
| Average total assets | $2,130,192,000 | 501 |
| Average earning assets | $2,065,354,800 | 476 |
| Average equity | $671,658,000 | 224 |
| Average total loans | $1,808,327,200 | 391 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 2,401 |
| Cost of funding earning assets | 0.4426% | 1,405 |
| Net interest margin | 3.2121% | 2,695 |
| Noninterest income to average assets | 0.0303% | 4,832 |
| Noninterest expense to average assets | 1.8058% | 4,156 |
| Loan and lease loss provision to assets | -0.0273% | 4,382 |
| Net operating income to assets | 1.0672% | 2,665 |
| Return on assets (ROA) | 1.0672% | 2,731 |
| Pretax return on assets | 1.3652% | 2,450 |
| Return on Equity (ROE) | 3.3674% | 4,408 |
| Retained earnings to average equity (ytd only) | 3.3674% | 3,780 |
| Net charge-offs to loans | 0.0011% | 2,401 |
| Credit loss provision to net charge-offs | -2,886.6667% | 4,065 |
| Earnings coverage of net charge-offs (x) | 1,412.1333% | 114 |
| Efficiency ratio | 57.4428% | 3,360 |
| Assets per employee ($millions) | 11.0588% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,936 |
| Loan loss allowance to noncurrent loans | 46.2477% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.8924% | 211 |
| Noncurrent loans to loans | 2.1011% | 408 |
| Net loans and leases to total assets | 82.6950% | 158 |
| Net loans and leases to deposits | 123.5548% | 36 |
| Net loans and leases to core deposits | 129.7071% | 123 |
| Total domestic deposits to total assets | 66.9298% | 4,789 |
| Equity capital to assets | 31.2607% | 60 |
| Core capital (leverage) ratio | 31.5903% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.8249% | 97 |
| Memoranda: | ||
| Average total assets | $2,110,987,750 | 506 |
| Average earning assets | $2,046,128,500 | 481 |
| Average equity | $668,994,750 | 224 |
| Average total loans | $1,810,592,250 | 396 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6298% | 2,531 |
| Cost of funding earning assets | 0.4594% | 1,454 |
| Net interest margin | 3.1704% | 2,847 |
| Noninterest income to average assets | 0.0327% | 4,864 |
| Noninterest expense to average assets | 1.8426% | 4,089 |
| Loan and lease loss provision to assets | -0.0299% | 4,467 |
| Net operating income to assets | 0.9738% | 2,982 |
| Return on assets (ROA) | 0.9738% | 3,065 |
| Pretax return on assets | 1.2919% | 2,655 |
| Return on Equity (ROE) | 3.0586% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.0586% | 3,819 |
| Net charge-offs to loans | 0.0017% | 2,158 |
| Credit loss provision to net charge-offs | -2,086.6667% | 3,839 |
| Earnings coverage of net charge-offs (x) | 880.0667% | 155 |
| Efficiency ratio | 59.3515% | 3,105 |
| Assets per employee ($millions) | 10.8098% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,928 |
| Loan loss allowance to noncurrent loans | 36.3070% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 2.4311% | 147 |
| Noncurrent loans to loans | 2.6731% | 295 |
| Net loans and leases to total assets | 84.8492% | 109 |
| Net loans and leases to deposits | 127.2934% | 39 |
| Net loans and leases to core deposits | 133.7631% | 111 |
| Total domestic deposits to total assets | 66.6564% | 4,809 |
| Equity capital to assets | 31.5173% | 57 |
| Core capital (leverage) ratio | 31.7418% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.1602% | 97 |
| Memoranda: | ||
| Average total assets | $2,092,140,333 | 505 |
| Average earning assets | $2,027,112,000 | 482 |
| Average equity | $666,131,000 | 222 |
| Average total loans | $1,810,781,000 | 400 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6362% | 2,532 |
| Cost of funding earning assets | 0.4787% | 1,530 |
| Net interest margin | 3.1575% | 2,813 |
| Noninterest income to average assets | 0.0199% | 4,905 |
| Noninterest expense to average assets | 1.8721% | 4,053 |
| Loan and lease loss provision to assets | -0.0365% | 4,625 |
| Net operating income to assets | 0.9333% | 3,035 |
| Return on assets (ROA) | 0.9333% | 3,112 |
| Pretax return on assets | 1.2435% | 2,722 |
| Return on Equity (ROE) | 2.9162% | 4,488 |
| Retained earnings to average equity (ytd only) | 2.9162% | 3,809 |
| Net charge-offs to loans | 0.0029% | 1,817 |
| Credit loss provision to net charge-offs | -1,453.8462% | 3,461 |
| Earnings coverage of net charge-offs (x) | 481.3077% | 198 |
| Efficiency ratio | 60.7982% | 2,940 |
| Assets per employee ($millions) | 10.3721% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 3,914 |
| Loan loss allowance to noncurrent loans | 36.7871% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 2.4840% | 166 |
| Noncurrent loans to loans | 2.6681% | 330 |
| Net loans and leases to total assets | 85.8718% | 94 |
| Net loans and leases to deposits | 129.3090% | 39 |
| Net loans and leases to core deposits | 136.3098% | 105 |
| Total domestic deposits to total assets | 66.4082% | 4,831 |
| Equity capital to assets | 31.7626% | 55 |
| Core capital (leverage) ratio | 32.3185% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.0104% | 100 |
| Memoranda: | ||
| Average total assets | $2,073,444,500 | 503 |
| Average earning assets | $2,008,917,500 | 481 |
| Average equity | $663,611,500 | 222 |
| Average total loans | $1,803,872,000 | 395 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 3,706 |
| Cost of funding earning assets | 0.6682% | 1,886 |
| Net interest margin | 2.9788% | 3,937 |
| Noninterest income to average assets | 0.0300% | 4,899 |
| Noninterest expense to average assets | 1.7886% | 4,491 |
| Loan and lease loss provision to assets | 0.2433% | 1,595 |
| Net operating income to assets | 0.7634% | 3,229 |
| Return on assets (ROA) | 0.7634% | 3,351 |
| Pretax return on assets | 0.8873% | 3,405 |
| Return on Equity (ROE) | 2.3484% | 4,514 |
| Retained earnings to average equity (ytd only) | 2.3484% | 3,685 |
| Net charge-offs to loans | -0.0050% | 4,129 |
| Credit loss provision to net charge-offs | -5,496.6292% | 4,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2706% | 3,265 |
| Assets per employee ($millions) | 10.4679% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,839 |
| Loan loss allowance to noncurrent loans | 37.3463% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.5281% | 177 |
| Noncurrent loans to loans | 2.6969% | 352 |
| Net loans and leases to total assets | 86.4014% | 84 |
| Net loans and leases to deposits | 131.2833% | 42 |
| Net loans and leases to core deposits | 138.6945% | 127 |
| Total domestic deposits to total assets | 65.8129% | 4,850 |
| Equity capital to assets | 32.2531% | 55 |
| Core capital (leverage) ratio | 32.4513% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.9848% | 95 |
| Memoranda: | ||
| Average total assets | $2,010,685,200 | 474 |
| Average earning assets | $1,950,249,400 | 452 |
| Average equity | $653,602,400 | 216 |
| Average total loans | $1,787,391,000 | 380 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 4,046 |
| Cost of funding earning assets | 0.7067% | 1,989 |
| Net interest margin | 2.8800% | 4,211 |
| Noninterest income to average assets | 0.0352% | 4,923 |
| Noninterest expense to average assets | 1.7810% | 4,526 |
| Loan and lease loss provision to assets | 0.2297% | 1,769 |
| Net operating income to assets | 0.5994% | 3,771 |
| Return on assets (ROA) | 0.5994% | 3,871 |
| Pretax return on assets | 0.8198% | 3,594 |
| Return on Equity (ROE) | 1.8402% | 4,576 |
| Retained earnings to average equity (ytd only) | 1.8402% | 3,985 |
| Net charge-offs to loans | -0.0066% | 4,121 |
| Credit loss provision to net charge-offs | -3,871.9101% | 4,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9218% | 2,927 |
| Assets per employee ($millions) | 10.3436% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 3,956 |
| Loan loss allowance to noncurrent loans | 34.9823% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.5405% | 211 |
| Noncurrent loans to loans | 2.6710% | 382 |
| Net loans and leases to total assets | 86.7583% | 117 |
| Net loans and leases to deposits | 131.9948% | 51 |
| Net loans and leases to core deposits | 139.9220% | 164 |
| Total domestic deposits to total assets | 65.7286% | 4,856 |
| Equity capital to assets | 32.3528% | 57 |
| Core capital (leverage) ratio | 32.4928% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.6849% | 104 |
| Memoranda: | ||
| Average total assets | $2,000,427,750 | 467 |
| Average earning assets | $1,941,552,000 | 448 |
| Average equity | $651,567,750 | 215 |
| Average total loans | $1,786,552,000 | 375 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5671% | 4,319 |
| Cost of funding earning assets | 0.7450% | 2,153 |
| Net interest margin | 2.8221% | 4,415 |
| Noninterest income to average assets | 0.0408% | 4,933 |
| Noninterest expense to average assets | 1.8225% | 4,535 |
| Loan and lease loss provision to assets | 0.1517% | 2,489 |
| Net operating income to assets | 0.5893% | 3,774 |
| Return on assets (ROA) | 0.5893% | 3,857 |
| Pretax return on assets | 0.8067% | 3,564 |
| Return on Equity (ROE) | 1.8052% | 4,564 |
| Retained earnings to average equity (ytd only) | 1.8052% | 3,831 |
| Net charge-offs to loans | -0.0221% | 4,435 |
| Credit loss provision to net charge-offs | -763.1313% | 3,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5339% | 2,583 |
| Assets per employee ($millions) | 10.3519% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 4,261 |
| Loan loss allowance to noncurrent loans | 33.8352% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 2.4013% | 244 |
| Noncurrent loans to loans | 2.4520% | 485 |
| Net loans and leases to total assets | 87.4252% | 78 |
| Net loans and leases to deposits | 132.9793% | 44 |
| Net loans and leases to core deposits | 142.0696% | 151 |
| Total domestic deposits to total assets | 65.7434% | 4,887 |
| Equity capital to assets | 32.3320% | 53 |
| Core capital (leverage) ratio | 32.5268% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.9468% | 112 |
| Memoranda: | ||
| Average total assets | $1,991,454,667 | 462 |
| Average earning assets | $1,933,693,000 | 442 |
| Average equity | $650,122,667 | 215 |
| Average total loans | $1,790,242,000 | 375 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 3,132 |
| Cost of funding earning assets | 0.7686% | 2,551 |
| Net interest margin | 3.4578% | 3,133 |
| Noninterest income to average assets | 0.0194% | 5,022 |
| Noninterest expense to average assets | 1.8009% | 4,666 |
| Loan and lease loss provision to assets | -0.0989% | 5,071 |
| Net operating income to assets | 1.2684% | 1,332 |
| Return on assets (ROA) | 1.2684% | 1,429 |
| Pretax return on assets | 1.6790% | 895 |
| Return on Equity (ROE) | 3.8665% | 3,988 |
| Retained earnings to average equity (ytd only) | 3.8665% | 2,727 |
| Net charge-offs to loans | -0.0441% | 4,590 |
| Credit loss provision to net charge-offs | 246.9697% | 1,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2659% | 4,451 |
| Assets per employee ($millions) | 10.0646% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7094% | 4,591 |
| Loan loss allowance to noncurrent loans | 35.6785% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.9666% | 435 |
| Noncurrent loans to loans | 1.9882% | 716 |
| Net loans and leases to total assets | 89.6534% | 39 |
| Net loans and leases to deposits | 137.3335% | 23 |
| Net loans and leases to core deposits | 147.1295% | 126 |
| Total domestic deposits to total assets | 65.2815% | 4,974 |
| Equity capital to assets | 32.7615% | 57 |
| Core capital (leverage) ratio | 33.1206% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.5640% | 112 |
| Memoranda: | ||
| Average total assets | $1,977,867,000 | 453 |
| Average earning assets | $1,922,866,500 | 425 |
| Average equity | $648,852,500 | 218 |
| Average total loans | $1,795,585,500 | 364 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3742% | 3,318 |
| Cost of funding earning assets | 0.7372% | 2,985 |
| Net interest margin | 3.6370% | 3,007 |
| Noninterest income to average assets | -0.0021% | 5,141 |
| Noninterest expense to average assets | 1.9782% | 4,566 |
| Loan and lease loss provision to assets | -0.0149% | 4,946 |
| Net operating income to assets | 1.1822% | 2,125 |
| Return on assets (ROA) | 1.1822% | 2,224 |
| Pretax return on assets | 1.5692% | 1,592 |
| Return on Equity (ROE) | 3.6028% | 4,552 |
| Retained earnings to average equity (ytd only) | 3.6028% | 3,197 |
| Net charge-offs to loans | 0.0018% | 3,642 |
| Credit loss provision to net charge-offs | -872.7273% | 4,508 |
| Earnings coverage of net charge-offs (x) | 908.1818% | 113 |
| Efficiency ratio | 56.0009% | 4,202 |
| Assets per employee ($millions) | 9.7176% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 4,513 |
| Loan loss allowance to noncurrent loans | 37.3651% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.9545% | 408 |
| Noncurrent loans to loans | 1.9499% | 664 |
| Net loans and leases to total assets | 90.6164% | 40 |
| Net loans and leases to deposits | 138.9753% | 24 |
| Net loans and leases to core deposits | 148.8029% | 126 |
| Total domestic deposits to total assets | 65.2032% | 5,035 |
| Equity capital to assets | 32.8505% | 59 |
| Core capital (leverage) ratio | 32.8353% | 62 |
| Tier 1 risk-based capital ratio | 43.3697% | 193 |
| Total risk-based capital ratio | 44.2447% | 193 |
| Memoranda: | ||
| Average total assets | $1,928,228,600 | 437 |
| Average earning assets | $1,873,984,400 | 413 |
| Average equity | $632,694,200 | 214 |
| Average total loans | $1,795,578,000 | 356 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 3,379 |
| Cost of funding earning assets | 0.7113% | 3,154 |
| Net interest margin | 3.6819% | 2,986 |
| Noninterest income to average assets | -0.0097% | 5,223 |
| Noninterest expense to average assets | 1.9069% | 4,691 |
| Loan and lease loss provision to assets | -0.0122% | 5,060 |
| Net operating income to assets | 1.2643% | 1,968 |
| Return on assets (ROA) | 1.2643% | 2,046 |
| Pretax return on assets | 1.6737% | 1,409 |
| Return on Equity (ROE) | 3.8543% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.8543% | 3,473 |
| Net charge-offs to loans | 0.0010% | 3,421 |
| Credit loss provision to net charge-offs | -1,257.1429% | 4,456 |
| Earnings coverage of net charge-offs (x) | 1,708.2239% | 41 |
| Efficiency ratio | 53.4395% | 4,448 |
| Assets per employee ($millions) | 9.8844% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 4,577 |
| Loan loss allowance to noncurrent loans | 37.4996% | 4,394 |
| Noncurrent assets plus other real estate owned to assets | 1.9624% | 455 |
| Noncurrent loans to loans | 1.9631% | 691 |
| Net loans and leases to total assets | 90.3909% | 42 |
| Net loans and leases to deposits | 139.9738% | 23 |
| Net loans and leases to core deposits | 149.4617% | 127 |
| Total domestic deposits to total assets | 64.5770% | 5,115 |
| Equity capital to assets | 32.5026% | 61 |
| Core capital (leverage) ratio | 33.0344% | 65 |
| Tier 1 risk-based capital ratio | 42.7907% | 203 |
| Total risk-based capital ratio | 43.6690% | 206 |
| Memoranda: | ||
| Average total assets | $1,919,547,500 | 445 |
| Average earning assets | $1,865,461,750 | 418 |
| Average equity | $629,657,750 | 216 |
| Average total loans | $1,796,519,500 | 355 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 3,237 |
| Cost of funding earning assets | 0.6741% | 3,304 |
| Net interest margin | 3.7578% | 2,726 |
| Noninterest income to average assets | -0.0265% | 5,274 |
| Noninterest expense to average assets | 1.8008% | 4,877 |
| Loan and lease loss provision to assets | -0.0449% | 5,171 |
| Net operating income to assets | 1.4033% | 1,429 |
| Return on assets (ROA) | 1.4033% | 1,481 |
| Pretax return on assets | 1.8711% | 889 |
| Return on Equity (ROE) | 4.2648% | 4,526 |
| Retained earnings to average equity (ytd only) | 4.2648% | 3,121 |
| Net charge-offs to loans | 0.0002% | 3,170 |
| Credit loss provision to net charge-offs | -21,350.0000% | 4,561 |
| Earnings coverage of net charge-offs (x) | 8,691.5000% | 3 |
| Efficiency ratio | 49.6495% | 4,800 |
| Assets per employee ($millions) | 9.8468% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 4,667 |
| Loan loss allowance to noncurrent loans | 37.7739% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 1.9646% | 478 |
| Noncurrent loans to loans | 1.9079% | 770 |
| Net loans and leases to total assets | 92.8871% | 14 |
| Net loans and leases to deposits | 145.0905% | 20 |
| Net loans and leases to core deposits | 153.7859% | 114 |
| Total domestic deposits to total assets | 64.0201% | 5,169 |
| Equity capital to assets | 33.0118% | 60 |
| Core capital (leverage) ratio | 33.2830% | 61 |
| Tier 1 risk-based capital ratio | 42.1040% | 211 |
| Total risk-based capital ratio | 42.9590% | 210 |
| Memoranda: | ||
| Average total assets | $1,903,731,000 | 448 |
| Average earning assets | $1,850,860,670 | 422 |
| Average equity | $626,435,330 | 216 |
| Average total loans | $1,798,301,670 | 357 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3800% | 3,302 |
| Cost of funding earning assets | 0.6361% | 3,377 |
| Net interest margin | 3.7439% | 2,731 |
| Noninterest income to average assets | -0.0762% | 5,335 |
| Noninterest expense to average assets | 1.7585% | 4,961 |
| Loan and lease loss provision to assets | -0.0257% | 5,232 |
| Net operating income to assets | 1.3748% | 1,440 |
| Return on assets (ROA) | 1.3748% | 1,473 |
| Pretax return on assets | 1.8342% | 901 |
| Return on Equity (ROE) | 4.1849% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.1849% | 3,247 |
| Net charge-offs to loans | -0.0004% | 3,790 |
| Credit loss provision to net charge-offs | 6,100.0000% | 58 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2989% | 4,871 |
| Assets per employee ($millions) | 10.0956% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7337% | 4,709 |
| Loan loss allowance to noncurrent loans | 38.1424% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 2.0026% | 488 |
| Noncurrent loans to loans | 1.9235% | 786 |
| Net loans and leases to total assets | 93.9990% | 7 |
| Net loans and leases to deposits | 146.6106% | 16 |
| Net loans and leases to core deposits | 153.6578% | 110 |
| Total domestic deposits to total assets | 64.1148% | 5,238 |
| Equity capital to assets | 32.8250% | 62 |
| Core capital (leverage) ratio | 33.3605% | 61 |
| Tier 1 risk-based capital ratio | 41.3099% | 218 |
| Total risk-based capital ratio | 42.1781% | 218 |
| Memoranda: | ||
| Average total assets | $1,895,530,000 | 449 |
| Average earning assets | $1,844,472,000 | 425 |
| Average equity | $622,717,500 | 219 |
| Average total loans | $1,799,201,500 | 359 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 2,686 |
| Cost of funding earning assets | 0.4795% | 3,489 |
| Net interest margin | 3.9440% | 2,182 |
| Noninterest income to average assets | 0.0289% | 5,307 |
| Noninterest expense to average assets | 1.7573% | 5,044 |
| Loan and lease loss provision to assets | -0.0477% | 5,190 |
| Net operating income to assets | 1.4444% | 1,296 |
| Return on assets (ROA) | 1.4444% | 1,285 |
| Pretax return on assets | 2.1445% | 401 |
| Return on Equity (ROE) | 4.3727% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.3727% | 3,139 |
| Net charge-offs to loans | 0.0090% | 3,369 |
| Credit loss provision to net charge-offs | -559.2357% | 4,655 |
| Earnings coverage of net charge-offs (x) | 245.9745% | 382 |
| Efficiency ratio | 45.5954% | 5,130 |
| Assets per employee ($millions) | 9.8072% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7466% | 4,687 |
| Loan loss allowance to noncurrent loans | 38.0248% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.1257% | 434 |
| Noncurrent loans to loans | 1.9635% | 691 |
| Net loans and leases to total assets | 94.4351% | 6 |
| Net loans and leases to deposits | 147.3520% | 16 |
| Net loans and leases to core deposits | 153.7969% | 119 |
| Total domestic deposits to total assets | 64.0881% | 5,274 |
| Equity capital to assets | 32.8791% | 61 |
| Core capital (leverage) ratio | 33.4423% | 60 |
| Tier 1 risk-based capital ratio | 41.0790% | 219 |
| Total risk-based capital ratio | 41.9593% | 218 |
| Memoranda: | ||
| Average total assets | $1,841,721,200 | 447 |
| Average earning assets | $1,786,297,600 | 419 |
| Average equity | $608,371,800 | 215 |
| Average total loans | $1,738,977,200 | 364 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 2,511 |
| Cost of funding earning assets | 0.4477% | 3,534 |
| Net interest margin | 3.9900% | 1,985 |
| Noninterest income to average assets | 0.0365% | 5,374 |
| Noninterest expense to average assets | 1.7499% | 5,088 |
| Loan and lease loss provision to assets | -0.0805% | 5,334 |
| Net operating income to assets | 1.6890% | 767 |
| Return on assets (ROA) | 1.6890% | 764 |
| Pretax return on assets | 2.2330% | 382 |
| Return on Equity (ROE) | 5.1070% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.1070% | 3,178 |
| Net charge-offs to loans | -0.0125% | 4,460 |
| Credit loss provision to net charge-offs | 682.7160% | 536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8416% | 5,190 |
| Assets per employee ($millions) | 9.5727% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 4,733 |
| Loan loss allowance to noncurrent loans | 36.1453% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.3274% | 398 |
| Noncurrent loans to loans | 2.1015% | 685 |
| Net loans and leases to total assets | 94.7407% | 5 |
| Net loans and leases to deposits | 146.3331% | 17 |
| Net loans and leases to core deposits | 152.2320% | 118 |
| Total domestic deposits to total assets | 64.7432% | 5,341 |
| Equity capital to assets | 33.2443% | 56 |
| Core capital (leverage) ratio | 33.6009% | 59 |
| Tier 1 risk-based capital ratio | 40.9929% | 219 |
| Total risk-based capital ratio | 41.8822% | 221 |
| Memoranda: | ||
| Average total assets | $1,831,405,000 | 449 |
| Average earning assets | $1,774,432,000 | 418 |
| Average equity | $605,687,500 | 215 |
| Average total loans | $1,725,827,500 | 365 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 2,160 |
| Cost of funding earning assets | 0.4172% | 3,590 |
| Net interest margin | 4.0633% | 1,661 |
| Noninterest income to average assets | 0.0211% | 5,457 |
| Noninterest expense to average assets | 1.8788% | 4,987 |
| Loan and lease loss provision to assets | -0.0522% | 5,381 |
| Net operating income to assets | 1.6084% | 908 |
| Return on assets (ROA) | 1.6084% | 914 |
| Pretax return on assets | 2.1299% | 459 |
| Return on Equity (ROE) | 4.8718% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.8718% | 3,143 |
| Net charge-offs to loans | -0.0195% | 4,560 |
| Credit loss provision to net charge-offs | 285.0299% | 1,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4875% | 5,140 |
| Assets per employee ($millions) | 9.2374% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 4,662 |
| Loan loss allowance to noncurrent loans | 35.1215% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 2.5323% | 344 |
| Noncurrent loans to loans | 2.3032% | 592 |
| Net loans and leases to total assets | 94.0693% | 8 |
| Net loans and leases to deposits | 145.0563% | 14 |
| Net loans and leases to core deposits | 149.8603% | 121 |
| Total domestic deposits to total assets | 64.8502% | 5,400 |
| Equity capital to assets | 33.1279% | 61 |
| Core capital (leverage) ratio | 33.4930% | 62 |
| Tier 1 risk-based capital ratio | 40.7755% | 219 |
| Total risk-based capital ratio | 41.7146% | 221 |
| Memoranda: | ||
| Average total assets | $1,822,836,000 | 449 |
| Average earning assets | $1,765,455,670 | 421 |
| Average equity | $601,788,670 | 210 |
| Average total loans | $1,710,134,330 | 368 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3347% | 2,402 |
| Cost of funding earning assets | 0.4022% | 3,563 |
| Net interest margin | 3.9325% | 1,920 |
| Noninterest income to average assets | 0.0207% | 5,533 |
| Noninterest expense to average assets | 1.8771% | 5,057 |
| Loan and lease loss provision to assets | -0.0666% | 5,479 |
| Net operating income to assets | 1.5040% | 1,070 |
| Return on assets (ROA) | 1.5040% | 1,072 |
| Pretax return on assets | 2.0195% | 549 |
| Return on Equity (ROE) | 4.5637% | 4,616 |
| Retained earnings to average equity (ytd only) | 4.5637% | 3,375 |
| Net charge-offs to loans | 0.0017% | 2,675 |
| Credit loss provision to net charge-offs | -4,314.2857% | 4,421 |
| Earnings coverage of net charge-offs (x) | 1,266.0000% | 46 |
| Efficiency ratio | 49.0104% | 5,139 |
| Assets per employee ($millions) | 8.8511% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 4,708 |
| Loan loss allowance to noncurrent loans | 30.9893% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 2.8472% | 291 |
| Noncurrent loans to loans | 2.6757% | 480 |
| Net loans and leases to total assets | 92.5024% | 19 |
| Net loans and leases to deposits | 140.8656% | 20 |
| Net loans and leases to core deposits | 144.7341% | 169 |
| Total domestic deposits to total assets | 65.6671% | 5,467 |
| Equity capital to assets | 32.9832% | 59 |
| Core capital (leverage) ratio | 33.2620% | 59 |
| Tier 1 risk-based capital ratio | 41.4378% | 209 |
| Total risk-based capital ratio | 42.4045% | 210 |
| Memoranda: | ||
| Average total assets | $1,815,131,500 | 451 |
| Average earning assets | $1,758,263,500 | 427 |
| Average equity | $598,197,000 | 213 |
| Average total loans | $1,693,538,500 | 372 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 1,978 |
| Cost of funding earning assets | 0.3653% | 3,562 |
| Net interest margin | 4.0529% | 1,577 |
| Noninterest income to average assets | 0.0354% | 5,562 |
| Noninterest expense to average assets | 1.8458% | 5,200 |
| Loan and lease loss provision to assets | -0.0726% | 5,433 |
| Net operating income to assets | 0.9300% | 2,548 |
| Return on assets (ROA) | 0.9300% | 2,578 |
| Pretax return on assets | 2.1660% | 337 |
| Return on Equity (ROE) | 2.8424% | 4,880 |
| Retained earnings to average equity (ytd only) | 2.8424% | 3,611 |
| Net charge-offs to loans | 0.0024% | 4,026 |
| Credit loss provision to net charge-offs | -3,343.5897% | 5,213 |
| Earnings coverage of net charge-offs (x) | 964.0513% | 87 |
| Efficiency ratio | 46.8572% | 5,367 |
| Assets per employee ($millions) | 8.7716% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 4,649 |
| Loan loss allowance to noncurrent loans | 29.8605% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 3.0212% | 267 |
| Noncurrent loans to loans | 2.8618% | 402 |
| Net loans and leases to total assets | 92.5292% | 27 |
| Net loans and leases to deposits | 140.8461% | 21 |
| Net loans and leases to core deposits | 144.5141% | 171 |
| Total domestic deposits to total assets | 65.6952% | 5,525 |
| Equity capital to assets | 32.9288% | 59 |
| Core capital (leverage) ratio | 33.1802% | 56 |
| Tier 1 risk-based capital ratio | 41.2506% | 197 |
| Total risk-based capital ratio | 42.2453% | 197 |
| Memoranda: | ||
| Average total assets | $1,796,031,800 | 442 |
| Average earning assets | $1,729,968,200 | 427 |
| Average equity | $587,637,400 | 204 |
| Average total loans | $1,657,671,800 | 362 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 1,909 |
| Cost of funding earning assets | 0.3598% | 3,573 |
| Net interest margin | 4.0589% | 1,513 |
| Noninterest income to average assets | 0.0236% | 5,646 |
| Noninterest expense to average assets | 1.8256% | 5,243 |
| Loan and lease loss provision to assets | -0.0880% | 5,574 |
| Net operating income to assets | 1.3482% | 1,203 |
| Return on assets (ROA) | 1.3482% | 1,225 |
| Pretax return on assets | 2.1901% | 374 |
| Return on Equity (ROE) | 4.1274% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.1274% | 3,455 |
| Net charge-offs to loans | 0.0029% | 3,645 |
| Credit loss provision to net charge-offs | -3,286.1111% | 5,139 |
| Earnings coverage of net charge-offs (x) | 785.3692% | 136 |
| Efficiency ratio | 46.4802% | 5,403 |
| Assets per employee ($millions) | 8.3814% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 4,688 |
| Loan loss allowance to noncurrent loans | 29.3868% | 4,950 |
| Noncurrent assets plus other real estate owned to assets | 3.1457% | 276 |
| Noncurrent loans to loans | 2.9651% | 437 |
| Net loans and leases to total assets | 91.7618% | 38 |
| Net loans and leases to deposits | 140.0957% | 19 |
| Net loans and leases to core deposits | 143.1604% | 171 |
| Total domestic deposits to total assets | 65.4994% | 5,601 |
| Equity capital to assets | 33.0171% | 57 |
| Core capital (leverage) ratio | 33.2873% | 56 |
| Tier 1 risk-based capital ratio | 41.6114% | 202 |
| Total risk-based capital ratio | 42.6211% | 201 |
| Memoranda: | ||
| Average total assets | $1,793,303,250 | 449 |
| Average earning assets | $1,724,914,500 | 430 |
| Average equity | $585,795,500 | 206 |
| Average total loans | $1,650,499,000 | 363 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 1,730 |
| Cost of funding earning assets | 0.3562% | 3,517 |
| Net interest margin | 4.0722% | 1,398 |
| Noninterest income to average assets | 0.0259% | 5,692 |
| Noninterest expense to average assets | 1.8300% | 5,276 |
| Loan and lease loss provision to assets | -0.0420% | 5,597 |
| Net operating income to assets | 1.3227% | 1,245 |
| Return on assets (ROA) | 1.3227% | 1,271 |
| Pretax return on assets | 2.1518% | 395 |
| Return on Equity (ROE) | 4.0639% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.0639% | 3,285 |
| Net charge-offs to loans | 0.0033% | 3,376 |
| Credit loss provision to net charge-offs | -1,392.5926% | 4,884 |
| Earnings coverage of net charge-offs (x) | 699.5185% | 112 |
| Efficiency ratio | 46.4487% | 5,450 |
| Assets per employee ($millions) | 8.5567% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9216% | 4,546 |
| Loan loss allowance to noncurrent loans | 30.1485% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 3.1232% | 283 |
| Noncurrent loans to loans | 3.0568% | 421 |
| Net loans and leases to total assets | 91.8440% | 38 |
| Net loans and leases to deposits | 139.6469% | 22 |
| Net loans and leases to core deposits | 142.5032% | 172 |
| Total domestic deposits to total assets | 65.7687% | 5,637 |
| Equity capital to assets | 32.7591% | 54 |
| Core capital (leverage) ratio | 33.0025% | 54 |
| Tier 1 risk-based capital ratio | 40.9353% | 200 |
| Total risk-based capital ratio | 41.9954% | 199 |
| Memoranda: | ||
| Average total assets | $1,790,401,330 | 451 |
| Average earning assets | $1,720,794,000 | 432 |
| Average equity | $582,737,000 | 210 |
| Average total loans | $1,644,635,000 | 366 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4536% | 1,488 |
| Cost of funding earning assets | 0.3507% | 3,525 |
| Net interest margin | 4.1029% | 1,208 |
| Noninterest income to average assets | 0.0293% | 5,762 |
| Noninterest expense to average assets | 1.8033% | 5,373 |
| Loan and lease loss provision to assets | -0.0573% | 5,723 |
| Net operating income to assets | 1.3718% | 1,055 |
| Return on assets (ROA) | 1.3718% | 1,092 |
| Pretax return on assets | 2.2272% | 339 |
| Return on Equity (ROE) | 4.2285% | 4,696 |
| Retained earnings to average equity (ytd only) | 4.2285% | 3,332 |
| Net charge-offs to loans | 0.0034% | 2,852 |
| Credit loss provision to net charge-offs | -1,828.5714% | 4,557 |
| Earnings coverage of net charge-offs (x) | 692.5000% | 72 |
| Efficiency ratio | 45.3864% | 5,555 |
| Assets per employee ($millions) | 8.4920% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 4,583 |
| Loan loss allowance to noncurrent loans | 27.4102% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 3.3398% | 265 |
| Noncurrent loans to loans | 3.4445% | 360 |
| Net loans and leases to total assets | 90.6645% | 40 |
| Net loans and leases to deposits | 137.3531% | 22 |
| Net loans and leases to core deposits | 140.2715% | 166 |
| Total domestic deposits to total assets | 66.0084% | 5,713 |
| Equity capital to assets | 32.5280% | 60 |
| Core capital (leverage) ratio | 32.9574% | 61 |
| Tier 1 risk-based capital ratio | 40.9230% | 212 |
| Total risk-based capital ratio | 42.0024% | 209 |
| Memoranda: | ||
| Average total assets | $1,787,145,000 | 454 |
| Average earning assets | $1,717,893,000 | 439 |
| Average equity | $579,779,500 | 208 |
| Average total loans | $1,634,098,500 | 365 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 1,525 |
| Cost of funding earning assets | 0.2909% | 4,166 |
| Net interest margin | 4.2134% | 1,084 |
| Noninterest income to average assets | 0.0323% | 5,810 |
| Noninterest expense to average assets | 1.8421% | 5,434 |
| Loan and lease loss provision to assets | 0.0172% | 4,034 |
| Net operating income to assets | 1.3686% | 1,069 |
| Return on assets (ROA) | 1.3724% | 1,107 |
| Pretax return on assets | 2.2226% | 311 |
| Return on Equity (ROE) | 4.2805% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.2805% | 2,859 |
| Net charge-offs to loans | 0.0143% | 3,813 |
| Credit loss provision to net charge-offs | 131.6017% | 2,047 |
| Earnings coverage of net charge-offs (x) | 170.5152% | 381 |
| Efficiency ratio | 45.1933% | 5,665 |
| Assets per employee ($millions) | 8.2906% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9676% | 4,489 |
| Loan loss allowance to noncurrent loans | 25.6718% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 3.6315% | 232 |
| Noncurrent loans to loans | 3.7690% | 296 |
| Net loans and leases to total assets | 90.4595% | 61 |
| Net loans and leases to deposits | 136.7147% | 29 |
| Net loans and leases to core deposits | 139.4331% | 178 |
| Total domestic deposits to total assets | 66.1667% | 5,754 |
| Equity capital to assets | 32.3549% | 60 |
| Core capital (leverage) ratio | 32.8451% | 57 |
| Tier 1 risk-based capital ratio | 40.4373% | 215 |
| Total risk-based capital ratio | 41.5339% | 214 |
| Memoranda: | ||
| Average total assets | $1,763,217,600 | 445 |
| Average earning assets | $1,692,220,800 | 420 |
| Average equity | $565,301,200 | 200 |
| Average total loans | $1,611,664,600 | 353 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4302% | 1,758 |
| Cost of funding earning assets | 0.2703% | 4,390 |
| Net interest margin | 4.1598% | 1,228 |
| Noninterest income to average assets | 0.0265% | 5,887 |
| Noninterest expense to average assets | 1.7773% | 5,539 |
| Loan and lease loss provision to assets | 0.0044% | 4,139 |
| Net operating income to assets | 1.1071% | 1,961 |
| Return on assets (ROA) | 1.1122% | 2,047 |
| Pretax return on assets | 2.2458% | 346 |
| Return on Equity (ROE) | 3.4771% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.4771% | 3,814 |
| Net charge-offs to loans | 0.0164% | 3,397 |
| Credit loss provision to net charge-offs | 29.2929% | 3,231 |
| Earnings coverage of net charge-offs (x) | 149.3504% | 465 |
| Efficiency ratio | 44.2162% | 5,736 |
| Assets per employee ($millions) | 8.2576% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 4,650 |
| Loan loss allowance to noncurrent loans | 20.4522% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 4.5010% | 171 |
| Noncurrent loans to loans | 4.6560% | 197 |
| Net loans and leases to total assets | 91.9047% | 26 |
| Net loans and leases to deposits | 138.7474% | 20 |
| Net loans and leases to core deposits | 141.5229% | 181 |
| Total domestic deposits to total assets | 66.2389% | 5,809 |
| Equity capital to assets | 32.3618% | 60 |
| Core capital (leverage) ratio | 32.5083% | 59 |
| Tier 1 risk-based capital ratio | 39.4011% | 234 |
| Total risk-based capital ratio | 40.4728% | 235 |
| Memoranda: | ||
| Average total assets | $1,758,400,250 | 447 |
| Average earning assets | $1,687,839,250 | 422 |
| Average equity | $562,446,000 | 199 |
| Average total loans | $1,607,535,000 | 353 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 1,651 |
| Cost of funding earning assets | 0.2496% | 4,662 |
| Net interest margin | 4.2066% | 1,100 |
| Noninterest income to average assets | 0.0303% | 5,953 |
| Noninterest expense to average assets | 1.7359% | 5,660 |
| Loan and lease loss provision to assets | 0.0264% | 3,604 |
| Net operating income to assets | 1.2972% | 1,277 |
| Return on assets (ROA) | 1.3048% | 1,357 |
| Pretax return on assets | 2.3148% | 297 |
| Return on Equity (ROE) | 4.0954% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.0954% | 3,297 |
| Net charge-offs to loans | 0.0248% | 2,989 |
| Credit loss provision to net charge-offs | 117.1717% | 1,893 |
| Earnings coverage of net charge-offs (x) | 103.4192% | 557 |
| Efficiency ratio | 42.7024% | 5,850 |
| Assets per employee ($millions) | 8.3654% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 4,701 |
| Loan loss allowance to noncurrent loans | 21.3748% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 4.3666% | 185 |
| Noncurrent loans to loans | 4.5116% | 227 |
| Net loans and leases to total assets | 91.8693% | 24 |
| Net loans and leases to deposits | 138.4247% | 18 |
| Net loans and leases to core deposits | 141.2043% | 177 |
| Total domestic deposits to total assets | 66.3677% | 5,882 |
| Equity capital to assets | 32.2207% | 58 |
| Core capital (leverage) ratio | 32.2211% | 57 |
| Tier 1 risk-based capital ratio | 38.6974% | 252 |
| Total risk-based capital ratio | 39.7685% | 251 |
| Memoranda: | ||
| Average total assets | $1,758,247,330 | 442 |
| Average earning assets | $1,686,512,670 | 420 |
| Average equity | $560,195,330 | 200 |
| Average total loans | $1,599,375,000 | 354 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4047% | 1,787 |
| Cost of funding earning assets | 0.2493% | 4,714 |
| Net interest margin | 4.1554% | 1,203 |
| Noninterest income to average assets | 0.0368% | 6,003 |
| Noninterest expense to average assets | 1.6482% | 5,798 |
| Loan and lease loss provision to assets | -0.0005% | 5,851 |
| Net operating income to assets | 1.4333% | 976 |
| Return on assets (ROA) | 1.4333% | 1,022 |
| Pretax return on assets | 2.3804% | 289 |
| Return on Equity (ROE) | 4.5241% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.5241% | 3,222 |
| Net charge-offs to loans | 0.0126% | 2,705 |
| Credit loss provision to net charge-offs | -4.0000% | 4,076 |
| Earnings coverage of net charge-offs (x) | 209.3200% | 291 |
| Efficiency ratio | 40.9168% | 5,945 |
| Assets per employee ($millions) | 8.6528% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 4,736 |
| Loan loss allowance to noncurrent loans | 21.2267% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 4.3025% | 218 |
| Noncurrent loans to loans | 4.5937% | 231 |
| Net loans and leases to total assets | 89.9169% | 63 |
| Net loans and leases to deposits | 134.4126% | 22 |
| Net loans and leases to core deposits | 137.1020% | 197 |
| Total domestic deposits to total assets | 66.8962% | 5,952 |
| Equity capital to assets | 31.7493% | 58 |
| Core capital (leverage) ratio | 32.1021% | 58 |
| Tier 1 risk-based capital ratio | 38.8512% | 253 |
| Total risk-based capital ratio | 39.9297% | 252 |
| Memoranda: | ||
| Average total assets | $1,759,006,500 | 438 |
| Average earning assets | $1,689,571,000 | 416 |
| Average equity | $557,277,500 | 201 |
| Average total loans | $1,584,258,000 | 355 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 1,523 |
| Cost of funding earning assets | 0.2586% | 4,703 |
| Net interest margin | 4.2667% | 1,029 |
| Noninterest income to average assets | 0.0621% | 5,974 |
| Noninterest expense to average assets | 1.7661% | 5,783 |
| Loan and lease loss provision to assets | -0.2366% | 6,022 |
| Net operating income to assets | 1.3839% | 1,069 |
| Return on assets (ROA) | 1.3839% | 1,115 |
| Pretax return on assets | 2.6304% | 166 |
| Return on Equity (ROE) | 4.4624% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.4624% | 2,817 |
| Net charge-offs to loans | -0.0225% | 5,308 |
| Credit loss provision to net charge-offs | 1,188.7931% | 284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4562% | 6,016 |
| Assets per employee ($millions) | 8.3469% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0015% | 4,607 |
| Loan loss allowance to noncurrent loans | 21.5236% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 4.2893% | 234 |
| Noncurrent loans to loans | 4.6532% | 223 |
| Net loans and leases to total assets | 88.4289% | 110 |
| Net loans and leases to deposits | 132.0851% | 37 |
| Net loans and leases to core deposits | 134.5489% | 214 |
| Total domestic deposits to total assets | 66.9484% | 5,999 |
| Equity capital to assets | 31.6130% | 59 |
| Core capital (leverage) ratio | 31.8056% | 57 |
| Tier 1 risk-based capital ratio | 39.0642% | 242 |
| Total risk-based capital ratio | 40.1645% | 242 |
| Memoranda: | ||
| Average total assets | $1,748,175,400 | 421 |
| Average earning assets | $1,678,968,200 | 399 |
| Average equity | $542,147,000 | 197 |
| Average total loans | $1,543,783,200 | 345 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 1,585 |
| Cost of funding earning assets | 0.2596% | 4,778 |
| Net interest margin | 4.2430% | 1,069 |
| Noninterest income to average assets | 0.0396% | 6,126 |
| Noninterest expense to average assets | 1.7419% | 5,861 |
| Loan and lease loss provision to assets | -0.2816% | 6,143 |
| Net operating income to assets | 1.4050% | 1,099 |
| Return on assets (ROA) | 1.4050% | 1,143 |
| Pretax return on assets | 2.6565% | 186 |
| Return on Equity (ROE) | 4.5525% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.5525% | 3,231 |
| Net charge-offs to loans | 0.0135% | 3,699 |
| Credit loss provision to net charge-offs | -2,365.3846% | 5,617 |
| Earnings coverage of net charge-offs (x) | 199.4790% | 360 |
| Efficiency ratio | 42.3121% | 6,082 |
| Assets per employee ($millions) | 8.2470% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 4,687 |
| Loan loss allowance to noncurrent loans | 20.1348% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 4.6683% | 225 |
| Noncurrent loans to loans | 5.0224% | 207 |
| Net loans and leases to total assets | 87.4757% | 164 |
| Net loans and leases to deposits | 130.1059% | 43 |
| Net loans and leases to core deposits | 132.7507% | 240 |
| Total domestic deposits to total assets | 67.2342% | 6,061 |
| Equity capital to assets | 31.3711% | 63 |
| Core capital (leverage) ratio | 31.4482% | 60 |
| Tier 1 risk-based capital ratio | 39.2194% | 258 |
| Total risk-based capital ratio | 40.3317% | 261 |
| Memoranda: | ||
| Average total assets | $1,747,008,500 | 417 |
| Average earning assets | $1,678,746,750 | 401 |
| Average equity | $539,152,250 | 202 |
| Average total loans | $1,538,303,750 | 349 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,464 |
| Cost of funding earning assets | 0.2597% | 4,834 |
| Net interest margin | 4.2639% | 989 |
| Noninterest income to average assets | -0.0326% | 6,285 |
| Noninterest expense to average assets | 1.7857% | 5,872 |
| Loan and lease loss provision to assets | -0.2365% | 6,202 |
| Net operating income to assets | 1.3345% | 1,229 |
| Return on assets (ROA) | 1.3345% | 1,278 |
| Pretax return on assets | 2.5165% | 245 |
| Return on Equity (ROE) | 4.3482% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.3482% | 3,249 |
| Net charge-offs to loans | 0.0348% | 2,975 |
| Credit loss provision to net charge-offs | -773.4082% | 5,304 |
| Earnings coverage of net charge-offs (x) | 74.5730% | 746 |
| Efficiency ratio | 43.9206% | 6,115 |
| Assets per employee ($millions) | 8.1979% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 4,295 |
| Loan loss allowance to noncurrent loans | 20.5511% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 5.0549% | 215 |
| Noncurrent loans to loans | 5.3775% | 198 |
| Net loans and leases to total assets | 87.8287% | 151 |
| Net loans and leases to deposits | 129.9093% | 42 |
| Net loans and leases to core deposits | 132.3822% | 238 |
| Total domestic deposits to total assets | 67.6077% | 6,125 |
| Equity capital to assets | 31.0236% | 63 |
| Core capital (leverage) ratio | 31.0322% | 64 |
| Tier 1 risk-based capital ratio | 38.2899% | 286 |
| Total risk-based capital ratio | 39.4958% | 284 |
| Memoranda: | ||
| Average total assets | $1,746,560,000 | 419 |
| Average earning assets | $1,678,739,000 | 402 |
| Average equity | $536,043,670 | 205 |
| Average total loans | $1,536,068,670 | 349 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 1,279 |
| Cost of funding earning assets | 0.2599% | 4,905 |
| Net interest margin | 4.3161% | 847 |
| Noninterest income to average assets | 0.0181% | 6,296 |
| Noninterest expense to average assets | 1.7754% | 5,931 |
| Loan and lease loss provision to assets | -0.2711% | 6,296 |
| Net operating income to assets | 1.4358% | 971 |
| Return on assets (ROA) | 1.4358% | 1,026 |
| Pretax return on assets | 2.6673% | 192 |
| Return on Equity (ROE) | 4.7036% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.7036% | 3,213 |
| Net charge-offs to loans | 0.0207% | 2,736 |
| Credit loss provision to net charge-offs | -1,498.7342% | 5,044 |
| Earnings coverage of net charge-offs (x) | 132.4557% | 397 |
| Efficiency ratio | 42.5591% | 6,218 |
| Assets per employee ($millions) | 8.4278% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 4,071 |
| Loan loss allowance to noncurrent loans | 21.1572% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 5.2145% | 229 |
| Noncurrent loans to loans | 5.5875% | 208 |
| Net loans and leases to total assets | 86.8196% | 153 |
| Net loans and leases to deposits | 127.5439% | 43 |
| Net loans and leases to core deposits | 129.8429% | 247 |
| Total domestic deposits to total assets | 68.0704% | 6,196 |
| Equity capital to assets | 30.5957% | 67 |
| Core capital (leverage) ratio | 30.8418% | 65 |
| Tier 1 risk-based capital ratio | 38.2046% | 284 |
| Total risk-based capital ratio | 39.4551% | 283 |
| Memoranda: | ||
| Average total assets | $1,746,759,000 | 420 |
| Average earning assets | $1,680,963,500 | 402 |
| Average equity | $533,204,000 | 203 |
| Average total loans | $1,528,718,500 | 346 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3330% | 2,485 |
| Cost of funding earning assets | 0.3100% | 4,685 |
| Net interest margin | 4.0230% | 1,829 |
| Noninterest income to average assets | -0.0068% | 6,407 |
| Noninterest expense to average assets | 1.6628% | 6,191 |
| Loan and lease loss provision to assets | 0.0249% | 4,104 |
| Net operating income to assets | 1.2378% | 1,472 |
| Return on assets (ROA) | 1.2378% | 1,525 |
| Pretax return on assets | 2.1731% | 339 |
| Return on Equity (ROE) | 4.1383% | 5,057 |
| Retained earnings to average equity (ytd only) | 4.1383% | 3,254 |
| Net charge-offs to loans | 0.0270% | 4,287 |
| Credit loss provision to net charge-offs | 105.3528% | 2,275 |
| Earnings coverage of net charge-offs (x) | 92.9659% | 560 |
| Efficiency ratio | 43.0685% | 6,347 |
| Assets per employee ($millions) | 8.3679% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 3,524 |
| Loan loss allowance to noncurrent loans | 22.4358% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 5.3060% | 244 |
| Noncurrent loans to loans | 5.7195% | 214 |
| Net loans and leases to total assets | 86.0556% | 203 |
| Net loans and leases to deposits | 126.1643% | 61 |
| Net loans and leases to core deposits | 128.4735% | 266 |
| Total domestic deposits to total assets | 68.2091% | 6,261 |
| Equity capital to assets | 30.4545% | 66 |
| Core capital (leverage) ratio | 30.5951% | 65 |
| Tier 1 risk-based capital ratio | 38.3257% | 262 |
| Total risk-based capital ratio | 39.5775% | 261 |
| Memoranda: | ||
| Average total assets | $1,738,337,200 | 412 |
| Average earning assets | $1,671,210,600 | 389 |
| Average equity | $519,970,000 | 198 |
| Average total loans | $1,523,705,600 | 326 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 2,206 |
| Cost of funding earning assets | 0.3128% | 4,752 |
| Net interest margin | 4.0907% | 1,602 |
| Noninterest income to average assets | 0.0293% | 6,426 |
| Noninterest expense to average assets | 1.6114% | 6,274 |
| Loan and lease loss provision to assets | 0.0298% | 3,811 |
| Net operating income to assets | 1.2181% | 1,616 |
| Return on assets (ROA) | 1.2181% | 1,675 |
| Pretax return on assets | 2.3207% | 294 |
| Return on Equity (ROE) | 4.0910% | 5,135 |
| Retained earnings to average equity (ytd only) | 4.0910% | 3,738 |
| Net charge-offs to loans | 0.0306% | 3,874 |
| Credit loss provision to net charge-offs | 111.1429% | 2,026 |
| Earnings coverage of net charge-offs (x) | 87.5305% | 651 |
| Efficiency ratio | 40.6716% | 6,442 |
| Assets per employee ($millions) | 8.0975% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 3,704 |
| Loan loss allowance to noncurrent loans | 21.8459% | 5,907 |
| Noncurrent assets plus other real estate owned to assets | 5.5061% | 273 |
| Noncurrent loans to loans | 5.8980% | 243 |
| Net loans and leases to total assets | 86.1534% | 191 |
| Net loans and leases to deposits | 125.8350% | 61 |
| Net loans and leases to core deposits | 128.2021% | 254 |
| Total domestic deposits to total assets | 68.4654% | 6,332 |
| Equity capital to assets | 30.3135% | 66 |
| Core capital (leverage) ratio | 30.4050% | 64 |
| Tier 1 risk-based capital ratio | 37.8943% | 279 |
| Total risk-based capital ratio | 39.1462% | 275 |
| Memoranda: | ||
| Average total assets | $1,737,789,500 | 412 |
| Average earning assets | $1,670,622,750 | 389 |
| Average equity | $517,445,250 | 199 |
| Average total loans | $1,525,309,250 | 324 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4471% | 2,006 |
| Cost of funding earning assets | 0.3118% | 4,857 |
| Net interest margin | 4.1354% | 1,411 |
| Noninterest income to average assets | 0.0322% | 6,489 |
| Noninterest expense to average assets | 1.6119% | 6,346 |
| Loan and lease loss provision to assets | 0.0608% | 3,055 |
| Net operating income to assets | 1.2251% | 1,515 |
| Return on assets (ROA) | 1.2251% | 1,576 |
| Pretax return on assets | 2.3336% | 284 |
| Return on Equity (ROE) | 4.1392% | 5,087 |
| Retained earnings to average equity (ytd only) | 4.1392% | 3,541 |
| Net charge-offs to loans | 0.0167% | 3,887 |
| Credit loss provision to net charge-offs | 413.2813% | 679 |
| Earnings coverage of net charge-offs (x) | 162.6953% | 383 |
| Efficiency ratio | 40.2336% | 6,516 |
| Assets per employee ($millions) | 7.9735% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 3,817 |
| Loan loss allowance to noncurrent loans | 22.0959% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 5.5259% | 303 |
| Noncurrent loans to loans | 5.9166% | 269 |
| Net loans and leases to total assets | 86.2046% | 167 |
| Net loans and leases to deposits | 125.1282% | 55 |
| Net loans and leases to core deposits | 127.4528% | 252 |
| Total domestic deposits to total assets | 68.8931% | 6,391 |
| Equity capital to assets | 29.9194% | 65 |
| Core capital (leverage) ratio | 30.0107% | 63 |
| Tier 1 risk-based capital ratio | 37.0304% | 298 |
| Total risk-based capital ratio | 38.2823% | 293 |
| Memoranda: | ||
| Average total assets | $1,739,433,670 | 408 |
| Average earning assets | $1,671,633,670 | 386 |
| Average equity | $514,830,670 | 199 |
| Average total loans | $1,529,611,670 | 319 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4814% | 1,867 |
| Cost of funding earning assets | 0.3099% | 4,967 |
| Net interest margin | 4.1715% | 1,292 |
| Noninterest income to average assets | 0.0241% | 6,557 |
| Noninterest expense to average assets | 1.5894% | 6,439 |
| Loan and lease loss provision to assets | 0.0044% | 3,764 |
| Net operating income to assets | 1.2876% | 1,249 |
| Return on assets (ROA) | 1.2876% | 1,294 |
| Pretax return on assets | 2.4468% | 246 |
| Return on Equity (ROE) | 4.3740% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.3740% | 3,501 |
| Net charge-offs to loans | 0.0459% | 2,743 |
| Credit loss provision to net charge-offs | 10.7955% | 2,597 |
| Earnings coverage of net charge-offs (x) | 60.5852% | 651 |
| Efficiency ratio | 39.3355% | 6,603 |
| Assets per employee ($millions) | 7.9918% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 4,319 |
| Loan loss allowance to noncurrent loans | 23.0360% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 5.0727% | 395 |
| Noncurrent loans to loans | 5.4756% | 365 |
| Net loans and leases to total assets | 86.6768% | 116 |
| Net loans and leases to deposits | 125.1200% | 46 |
| Net loans and leases to core deposits | 127.3939% | 210 |
| Total domestic deposits to total assets | 69.2749% | 6,472 |
| Equity capital to assets | 29.5607% | 69 |
| Core capital (leverage) ratio | 29.6518% | 68 |
| Tier 1 risk-based capital ratio | 36.7761% | 293 |
| Total risk-based capital ratio | 38.0276% | 290 |
| Memoranda: | ||
| Average total assets | $1,740,037,500 | 406 |
| Average earning assets | $1,675,374,000 | 387 |
| Average equity | $512,212,500 | 200 |
| Average total loans | $1,535,277,500 | 321 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7851% | 1,353 |
| Cost of funding earning assets | 0.3295% | 5,328 |
| Net interest margin | 4.4556% | 812 |
| Noninterest income to average assets | 0.0245% | 6,605 |
| Noninterest expense to average assets | 1.5382% | 6,553 |
| Loan and lease loss provision to assets | 0.0570% | 4,004 |
| Net operating income to assets | 1.4426% | 930 |
| Return on assets (ROA) | 1.4426% | 974 |
| Pretax return on assets | 2.7220% | 160 |
| Return on Equity (ROE) | 5.0579% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.0579% | 2,553 |
| Net charge-offs to loans | -0.0193% | 6,133 |
| Credit loss provision to net charge-offs | -335.2542% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6307% | 6,734 |
| Assets per employee ($millions) | 7.8993% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,334 |
| Loan loss allowance to noncurrent loans | 25.6597% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 4.6285% | 529 |
| Noncurrent loans to loans | 4.9179% | 524 |
| Net loans and leases to total assets | 87.5629% | 103 |
| Net loans and leases to deposits | 125.9291% | 47 |
| Net loans and leases to core deposits | 128.1881% | 214 |
| Total domestic deposits to total assets | 69.5335% | 6,538 |
| Equity capital to assets | 29.3127% | 69 |
| Core capital (leverage) ratio | 29.4041% | 66 |
| Tier 1 risk-based capital ratio | 36.0673% | 295 |
| Total risk-based capital ratio | 37.3187% | 292 |
| Memoranda: | ||
| Average total assets | $1,736,535,600 | 398 |
| Average earning assets | $1,673,017,400 | 374 |
| Average equity | $495,309,000 | 195 |
| Average total loans | $1,527,709,400 | 303 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 1,347 |
| Cost of funding earning assets | 0.3326% | 5,447 |
| Net interest margin | 4.4651% | 779 |
| Noninterest income to average assets | 0.0249% | 6,687 |
| Noninterest expense to average assets | 1.4520% | 6,664 |
| Loan and lease loss provision to assets | 0.1809% | 2,010 |
| Net operating income to assets | 1.4089% | 1,086 |
| Return on assets (ROA) | 1.4089% | 1,133 |
| Pretax return on assets | 2.6935% | 185 |
| Return on Equity (ROE) | 4.9742% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.9742% | 3,108 |
| Net charge-offs to loans | -0.0258% | 6,123 |
| Credit loss provision to net charge-offs | -798.6441% | 6,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.5611% | 6,817 |
| Assets per employee ($millions) | 8.2381% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 4,129 |
| Loan loss allowance to noncurrent loans | 26.4180% | 6,093 |
| Noncurrent assets plus other real estate owned to assets | 4.7091% | 617 |
| Noncurrent loans to loans | 5.1125% | 574 |
| Net loans and leases to total assets | 87.4640% | 96 |
| Net loans and leases to deposits | 125.1640% | 47 |
| Net loans and leases to core deposits | 127.4198% | 219 |
| Total domestic deposits to total assets | 69.8796% | 6,603 |
| Equity capital to assets | 28.8266% | 67 |
| Core capital (leverage) ratio | 29.0117% | 65 |
| Tier 1 risk-based capital ratio | 35.7199% | 318 |
| Total risk-based capital ratio | 36.9727% | 310 |
| Memoranda: | ||
| Average total assets | $1,736,206,500 | 398 |
| Average earning assets | $1,672,616,500 | 375 |
| Average equity | $491,783,250 | 194 |
| Average total loans | $1,524,346,500 | 307 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 981 |
| Cost of funding earning assets | 0.3356% | 5,517 |
| Net interest margin | 4.6228% | 576 |
| Noninterest income to average assets | 0.0323% | 6,720 |
| Noninterest expense to average assets | 1.4616% | 6,701 |
| Loan and lease loss provision to assets | 0.3743% | 868 |
| Net operating income to assets | 1.3851% | 1,114 |
| Return on assets (ROA) | 1.3851% | 1,197 |
| Pretax return on assets | 2.6489% | 222 |
| Return on Equity (ROE) | 4.9189% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.9189% | 3,104 |
| Net charge-offs to loans | 0.0275% | 4,311 |
| Credit loss provision to net charge-offs | 1,554.0670% | 206 |
| Earnings coverage of net charge-offs (x) | 125.5215% | 388 |
| Efficiency ratio | 32.5899% | 6,864 |
| Assets per employee ($millions) | 8.2257% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 4,091 |
| Loan loss allowance to noncurrent loans | 25.7768% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 4.9399% | 625 |
| Noncurrent loans to loans | 5.3878% | 573 |
| Net loans and leases to total assets | 87.1554% | 113 |
| Net loans and leases to deposits | 124.3655% | 57 |
| Net loans and leases to core deposits | 126.7611% | 214 |
| Total domestic deposits to total assets | 70.0801% | 6,658 |
| Equity capital to assets | 28.6414% | 66 |
| Core capital (leverage) ratio | 28.8276% | 60 |
| Tier 1 risk-based capital ratio | 35.4052% | 327 |
| Total risk-based capital ratio | 36.6584% | 317 |
| Memoranda: | ||
| Average total assets | $1,735,527,000 | 399 |
| Average earning assets | $1,671,600,670 | 375 |
| Average equity | $488,685,330 | 196 |
| Average total loans | $1,518,744,000 | 305 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 1,072 |
| Cost of funding earning assets | 0.3402% | 5,635 |
| Net interest margin | 4.5639% | 602 |
| Noninterest income to average assets | 0.0030% | 6,846 |
| Noninterest expense to average assets | 1.4173% | 6,801 |
| Loan and lease loss provision to assets | 0.3957% | 786 |
| Net operating income to assets | 1.3445% | 1,163 |
| Return on assets (ROA) | 1.3445% | 1,258 |
| Pretax return on assets | 2.5827% | 238 |
| Return on Equity (ROE) | 4.8158% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.8158% | 3,345 |
| Net charge-offs to loans | 0.0552% | 3,278 |
| Credit loss provision to net charge-offs | 823.4450% | 369 |
| Earnings coverage of net charge-offs (x) | 61.9761% | 579 |
| Efficiency ratio | 32.2436% | 6,947 |
| Assets per employee ($millions) | 8.2322% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 4,698 |
| Loan loss allowance to noncurrent loans | 22.0269% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 5.3788% | 645 |
| Noncurrent loans to loans | 5.8997% | 571 |
| Net loans and leases to total assets | 86.0346% | 121 |
| Net loans and leases to deposits | 121.8406% | 56 |
| Net loans and leases to core deposits | 124.1226% | 230 |
| Total domestic deposits to total assets | 70.6124% | 6,731 |
| Equity capital to assets | 28.1277% | 70 |
| Core capital (leverage) ratio | 28.3129% | 67 |
| Tier 1 risk-based capital ratio | 35.3002% | 337 |
| Total risk-based capital ratio | 36.5522% | 334 |
| Memoranda: | ||
| Average total assets | $1,739,594,000 | 403 |
| Average earning assets | $1,674,355,500 | 380 |
| Average equity | $485,653,500 | 198 |
| Average total loans | $1,514,756,500 | 309 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 1,472 |
| Cost of funding earning assets | 0.5157% | 5,104 |
| Net interest margin | 4.5183% | 910 |
| Noninterest income to average assets | -0.0266% | 6,868 |
| Noninterest expense to average assets | 1.4466% | 6,895 |
| Loan and lease loss provision to assets | 0.2648% | 2,526 |
| Net operating income to assets | 1.4018% | 1,100 |
| Return on assets (ROA) | 1.4018% | 1,209 |
| Pretax return on assets | 2.6140% | 217 |
| Return on Equity (ROE) | 5.1964% | 4,598 |
| Retained earnings to average equity (ytd only) | 5.1964% | 2,579 |
| Net charge-offs to loans | -0.1585% | 6,906 |
| Credit loss provision to net charge-offs | -190.9203% | 6,387 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4441% | 7,006 |
| Assets per employee ($millions) | 8.2179% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 5,116 |
| Loan loss allowance to noncurrent loans | 18.7569% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 5.7945% | 615 |
| Noncurrent loans to loans | 6.3902% | 534 |
| Net loans and leases to total assets | 85.9409% | 130 |
| Net loans and leases to deposits | 120.9360% | 69 |
| Net loans and leases to core deposits | 123.2469% | 245 |
| Total domestic deposits to total assets | 71.0631% | 6,739 |
| Equity capital to assets | 27.7082% | 76 |
| Core capital (leverage) ratio | 27.8928% | 70 |
| Tier 1 risk-based capital ratio | 34.5702% | 350 |
| Total risk-based capital ratio | 35.8207% | 349 |
| Memoranda: | ||
| Average total assets | $1,746,729,800 | 394 |
| Average earning assets | $1,682,432,000 | 373 |
| Average equity | $471,209,000 | 202 |
| Average total loans | $1,529,090,200 | 304 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 1,547 |
| Cost of funding earning assets | 0.5443% | 5,131 |
| Net interest margin | 4.5100% | 972 |
| Noninterest income to average assets | 0.0080% | 6,912 |
| Noninterest expense to average assets | 1.4023% | 6,994 |
| Loan and lease loss provision to assets | 0.3442% | 1,906 |
| Net operating income to assets | 1.3625% | 1,302 |
| Return on assets (ROA) | 1.3625% | 1,436 |
| Pretax return on assets | 2.6091% | 254 |
| Return on Equity (ROE) | 5.0849% | 4,785 |
| Retained earnings to average equity (ytd only) | 5.0849% | 3,310 |
| Net charge-offs to loans | -0.2093% | 6,998 |
| Credit loss provision to net charge-offs | -187.5312% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1950% | 7,109 |
| Assets per employee ($millions) | 8.1737% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 5,360 |
| Loan loss allowance to noncurrent loans | 18.0749% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 5.9037% | 686 |
| Noncurrent loans to loans | 6.5394% | 584 |
| Net loans and leases to total assets | 87.0041% | 117 |
| Net loans and leases to deposits | 121.9336% | 71 |
| Net loans and leases to core deposits | 124.3573% | 243 |
| Total domestic deposits to total assets | 71.3537% | 6,772 |
| Equity capital to assets | 27.5106% | 79 |
| Core capital (leverage) ratio | 27.6614% | 70 |
| Tier 1 risk-based capital ratio | 33.9109% | 390 |
| Total risk-based capital ratio | 35.1612% | 382 |
| Memoranda: | ||
| Average total assets | $1,747,864,000 | 394 |
| Average earning assets | $1,684,916,500 | 370 |
| Average equity | $468,328,750 | 207 |
| Average total loans | $1,532,507,500 | 303 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1787% | 1,316 |
| Cost of funding earning assets | 0.5703% | 5,147 |
| Net interest margin | 4.6084% | 813 |
| Noninterest income to average assets | 0.0173% | 6,954 |
| Noninterest expense to average assets | 1.4061% | 7,054 |
| Loan and lease loss provision to assets | 0.1118% | 4,131 |
| Net operating income to assets | 1.5402% | 930 |
| Return on assets (ROA) | 1.5402% | 1,044 |
| Pretax return on assets | 2.9421% | 164 |
| Return on Equity (ROE) | 5.7993% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.7993% | 2,827 |
| Net charge-offs to loans | -0.3556% | 7,095 |
| Credit loss provision to net charge-offs | -35.9106% | 5,976 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5272% | 7,166 |
| Assets per employee ($millions) | 8.2834% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,253 |
| Loan loss allowance to noncurrent loans | 14.3101% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 6.1596% | 683 |
| Noncurrent loans to loans | 6.7950% | 589 |
| Net loans and leases to total assets | 86.7887% | 113 |
| Net loans and leases to deposits | 120.9842% | 69 |
| Net loans and leases to core deposits | 123.3091% | 266 |
| Total domestic deposits to total assets | 71.7355% | 6,815 |
| Equity capital to assets | 27.1541% | 77 |
| Core capital (leverage) ratio | 27.3043% | 74 |
| Tier 1 risk-based capital ratio | 33.1633% | 399 |
| Total risk-based capital ratio | 34.1984% | 396 |
| Memoranda: | ||
| Average total assets | $1,752,879,670 | 395 |
| Average earning assets | $1,689,881,670 | 368 |
| Average equity | $465,535,330 | 207 |
| Average total loans | $1,534,791,670 | 302 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 1,429 |
| Cost of funding earning assets | 0.6004% | 5,122 |
| Net interest margin | 4.5501% | 918 |
| Noninterest income to average assets | 0.0241% | 7,037 |
| Noninterest expense to average assets | 1.4322% | 7,095 |
| Loan and lease loss provision to assets | 0.1207% | 3,835 |
| Net operating income to assets | 1.4920% | 1,037 |
| Return on assets (ROA) | 1.4920% | 1,158 |
| Pretax return on assets | 2.8612% | 211 |
| Return on Equity (ROE) | 5.6807% | 4,461 |
| Retained earnings to average equity (ytd only) | 5.6807% | 3,152 |
| Net charge-offs to loans | 0.1379% | 3,274 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 24.7024% | 1,049 |
| Efficiency ratio | 32.4458% | 7,216 |
| Assets per employee ($millions) | 8.4849% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7274% | 6,844 |
| Loan loss allowance to noncurrent loans | 10.7779% | 6,744 |
| Noncurrent assets plus other real estate owned to assets | 6.1375% | 752 |
| Noncurrent loans to loans | 6.7493% | 693 |
| Net loans and leases to total assets | 86.3635% | 110 |
| Net loans and leases to deposits | 119.2441% | 74 |
| Net loans and leases to core deposits | 121.9335% | 284 |
| Total domestic deposits to total assets | 72.4258% | 6,856 |
| Equity capital to assets | 26.4985% | 76 |
| Core capital (leverage) ratio | 26.6472% | 76 |
| Tier 1 risk-based capital ratio | 32.4443% | 415 |
| Total risk-based capital ratio | 33.2148% | 427 |
| Memoranda: | ||
| Average total assets | $1,759,567,000 | 390 |
| Average earning assets | $1,697,636,000 | 364 |
| Average equity | $462,129,500 | 204 |
| Average total loans | $1,539,929,000 | 296 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4220% | 1,358 |
| Cost of funding earning assets | 0.8148% | 4,749 |
| Net interest margin | 4.6072% | 909 |
| Noninterest income to average assets | 0.0210% | 6,934 |
| Noninterest expense to average assets | 1.3937% | 7,217 |
| Loan and lease loss provision to assets | 0.2187% | 4,003 |
| Net operating income to assets | 1.5773% | 702 |
| Return on assets (ROA) | 1.5773% | 759 |
| Pretax return on assets | 2.8612% | 141 |
| Return on Equity (ROE) | 6.1625% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.1625% | 1,921 |
| Net charge-offs to loans | 0.1859% | 4,654 |
| Credit loss provision to net charge-offs | 130.9811% | 2,330 |
| Earnings coverage of net charge-offs (x) | 18.4482% | 1,220 |
| Efficiency ratio | 31.1537% | 7,288 |
| Assets per employee ($millions) | 8.6836% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 6,884 |
| Loan loss allowance to noncurrent loans | 10.6586% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 6.0711% | 801 |
| Noncurrent loans to loans | 6.7197% | 679 |
| Net loans and leases to total assets | 87.4063% | 92 |
| Net loans and leases to deposits | 119.8969% | 87 |
| Net loans and leases to core deposits | 122.7485% | 311 |
| Total domestic deposits to total assets | 72.9012% | 6,819 |
| Equity capital to assets | 26.0300% | 90 |
| Core capital (leverage) ratio | 26.0577% | 93 |
| Tier 1 risk-based capital ratio | 31.2671% | 460 |
| Total risk-based capital ratio | 32.0234% | 467 |
| Memoranda: | ||
| Average total assets | $1,740,050,400 | 385 |
| Average earning assets | $1,681,641,200 | 358 |
| Average equity | $445,353,400 | 198 |
| Average total loans | $1,562,250,800 | 293 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5555% | 1,127 |
| Cost of funding earning assets | 0.8567% | 4,721 |
| Net interest margin | 4.6988% | 766 |
| Noninterest income to average assets | 0.0208% | 7,043 |
| Noninterest expense to average assets | 1.3751% | 7,284 |
| Loan and lease loss provision to assets | 0.2079% | 3,935 |
| Net operating income to assets | 1.5729% | 813 |
| Return on assets (ROA) | 1.5729% | 886 |
| Pretax return on assets | 2.9809% | 141 |
| Return on Equity (ROE) | 6.1721% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.1721% | 2,448 |
| Net charge-offs to loans | 0.1538% | 4,537 |
| Credit loss provision to net charge-offs | 149.8615% | 2,096 |
| Earnings coverage of net charge-offs (x) | 22.9811% | 1,133 |
| Efficiency ratio | 30.1302% | 7,367 |
| Assets per employee ($millions) | 8.6489% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7062% | 6,951 |
| Loan loss allowance to noncurrent loans | 12.5035% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 5.2315% | 1,094 |
| Noncurrent loans to loans | 5.6481% | 1,035 |
| Net loans and leases to total assets | 88.5744% | 65 |
| Net loans and leases to deposits | 120.8363% | 84 |
| Net loans and leases to core deposits | 123.8723% | 313 |
| Total domestic deposits to total assets | 73.3011% | 6,828 |
| Equity capital to assets | 25.6416% | 114 |
| Core capital (leverage) ratio | 25.6457% | 108 |
| Tier 1 risk-based capital ratio | 30.5097% | 513 |
| Total risk-based capital ratio | 31.2591% | 528 |
| Memoranda: | ||
| Average total assets | $1,734,372,000 | 387 |
| Average earning assets | $1,676,947,750 | 360 |
| Average equity | $441,979,750 | 200 |
| Average total loans | $1,564,843,250 | 291 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5573% | 1,156 |
| Cost of funding earning assets | 0.8769% | 4,848 |
| Net interest margin | 4.6803% | 764 |
| Noninterest income to average assets | 0.0218% | 7,143 |
| Noninterest expense to average assets | 1.3846% | 7,362 |
| Loan and lease loss provision to assets | 0.2411% | 3,498 |
| Net operating income to assets | 1.5328% | 830 |
| Return on assets (ROA) | 1.5328% | 885 |
| Pretax return on assets | 2.9216% | 149 |
| Return on Equity (ROE) | 6.0278% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.0278% | 2,413 |
| Net charge-offs to loans | 0.1510% | 4,282 |
| Credit loss provision to net charge-offs | 176.3359% | 1,707 |
| Earnings coverage of net charge-offs (x) | 23.1289% | 1,098 |
| Efficiency ratio | 30.4486% | 7,438 |
| Assets per employee ($millions) | 8.6721% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 7,015 |
| Loan loss allowance to noncurrent loans | 13.1687% | 6,900 |
| Noncurrent assets plus other real estate owned to assets | 5.0022% | 1,228 |
| Noncurrent loans to loans | 5.3458% | 1,194 |
| Net loans and leases to total assets | 89.9422% | 43 |
| Net loans and leases to deposits | 122.3938% | 80 |
| Net loans and leases to core deposits | 125.4744% | 321 |
| Total domestic deposits to total assets | 73.4859% | 6,887 |
| Equity capital to assets | 25.5391% | 119 |
| Core capital (leverage) ratio | 25.5428% | 114 |
| Tier 1 risk-based capital ratio | 30.0577% | 526 |
| Total risk-based capital ratio | 30.8081% | 542 |
| Memoranda: | ||
| Average total assets | $1,724,371,330 | 391 |
| Average earning assets | $1,667,370,670 | 371 |
| Average equity | $438,501,670 | 203 |
| Average total loans | $1,561,825,000 | 297 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4551% | 1,418 |
| Cost of funding earning assets | 0.8979% | 4,940 |
| Net interest margin | 4.5572% | 943 |
| Noninterest income to average assets | 0.0161% | 7,257 |
| Noninterest expense to average assets | 1.3712% | 7,422 |
| Loan and lease loss provision to assets | 0.1817% | 3,800 |
| Net operating income to assets | 1.4990% | 877 |
| Return on assets (ROA) | 1.4990% | 922 |
| Pretax return on assets | 2.8690% | 161 |
| Return on Equity (ROE) | 5.9076% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.9076% | 2,697 |
| Net charge-offs to loans | 0.2006% | 3,305 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 16.7908% | 1,249 |
| Efficiency ratio | 31.0090% | 7,491 |
| Assets per employee ($millions) | 8.5256% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 7,133 |
| Loan loss allowance to noncurrent loans | 11.0739% | 6,997 |
| Noncurrent assets plus other real estate owned to assets | 5.3937% | 1,139 |
| Noncurrent loans to loans | 5.9154% | 1,078 |
| Net loans and leases to total assets | 89.5122% | 51 |
| Net loans and leases to deposits | 121.5114% | 84 |
| Net loans and leases to core deposits | 124.5193% | 332 |
| Total domestic deposits to total assets | 73.6657% | 6,931 |
| Equity capital to assets | 25.3299% | 113 |
| Core capital (leverage) ratio | 25.3332% | 110 |
| Tier 1 risk-based capital ratio | 29.4979% | 545 |
| Total risk-based capital ratio | 30.1851% | 564 |
| Memoranda: | ||
| Average total assets | $1,715,010,500 | 396 |
| Average earning assets | $1,658,037,000 | 373 |
| Average equity | $435,167,500 | 203 |
| Average total loans | $1,553,291,500 | 299 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8688% | 1,106 |
| Cost of funding earning assets | 1.0790% | 5,265 |
| Net interest margin | 4.7897% | 673 |
| Noninterest income to average assets | 0.0149% | 7,230 |
| Noninterest expense to average assets | 1.3655% | 7,498 |
| Loan and lease loss provision to assets | 0.2531% | 4,770 |
| Net operating income to assets | 1.5960% | 622 |
| Return on assets (ROA) | 1.5960% | 675 |
| Pretax return on assets | 3.0253% | 117 |
| Return on Equity (ROE) | 6.2501% | 3,480 |
| Retained earnings to average equity (ytd only) | 6.2501% | 1,691 |
| Net charge-offs to loans | 0.1795% | 5,245 |
| Credit loss provision to net charge-offs | 154.0460% | 2,304 |
| Earnings coverage of net charge-offs (x) | 19.9569% | 1,035 |
| Efficiency ratio | 29.4047% | 7,589 |
| Assets per employee ($millions) | 8.4125% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6602% | 7,188 |
| Loan loss allowance to noncurrent loans | 10.8794% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 5.5902% | 1,100 |
| Noncurrent loans to loans | 6.0686% | 1,021 |
| Net loans and leases to total assets | 90.4458% | 51 |
| Net loans and leases to deposits | 122.8799% | 102 |
| Net loans and leases to core deposits | 125.8759% | 392 |
| Total domestic deposits to total assets | 73.6051% | 6,936 |
| Equity capital to assets | 25.4190% | 121 |
| Core capital (leverage) ratio | 25.4219% | 117 |
| Tier 1 risk-based capital ratio | 39.5365% | 247 |
| Total risk-based capital ratio | 40.4713% | 248 |
| Memoranda: | ||
| Average total assets | $1,639,963,400 | 415 |
| Average earning assets | $1,584,929,400 | 385 |
| Average equity | $418,760,800 | 205 |
| Average total loans | $1,500,530,000 | 315 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9092% | 1,116 |
| Cost of funding earning assets | 1.1164% | 5,336 |
| Net interest margin | 4.7927% | 686 |
| Noninterest income to average assets | 0.0140% | 7,402 |
| Noninterest expense to average assets | 1.3270% | 7,626 |
| Loan and lease loss provision to assets | 0.3405% | 3,883 |
| Net operating income to assets | 1.5701% | 787 |
| Return on assets (ROA) | 1.5701% | 863 |
| Pretax return on assets | 2.9798% | 124 |
| Return on Equity (ROE) | 6.1418% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.1418% | 2,289 |
| Net charge-offs to loans | 0.2413% | 4,495 |
| Credit loss provision to net charge-offs | 154.0460% | 2,500 |
| Earnings coverage of net charge-offs (x) | 15.0223% | 1,470 |
| Efficiency ratio | 28.5538% | 7,694 |
| Assets per employee ($millions) | 8.3788% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6676% | 7,255 |
| Loan loss allowance to noncurrent loans | 12.3462% | 7,137 |
| Noncurrent assets plus other real estate owned to assets | 4.9374% | 1,312 |
| Noncurrent loans to loans | 5.4070% | 1,242 |
| Net loans and leases to total assets | 90.7038% | 44 |
| Net loans and leases to deposits | 123.0592% | 99 |
| Net loans and leases to core deposits | 126.2709% | 447 |
| Total domestic deposits to total assets | 73.7075% | 6,955 |
| Equity capital to assets | 25.3801% | 134 |
| Core capital (leverage) ratio | 25.3786% | 121 |
| Tier 1 risk-based capital ratio | 39.3649% | 258 |
| Total risk-based capital ratio | 40.3104% | 258 |
| Memoranda: | ||
| Average total assets | $1,625,120,750 | 417 |
| Average earning assets | $1,571,031,750 | 392 |
| Average equity | $415,462,500 | 203 |
| Average total loans | $1,488,864,500 | 317 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9213% | 1,133 |
| Cost of funding earning assets | 1.1482% | 5,417 |
| Net interest margin | 4.7732% | 689 |
| Noninterest income to average assets | 0.0109% | 7,491 |
| Noninterest expense to average assets | 1.3197% | 7,701 |
| Loan and lease loss provision to assets | 0.5161% | 2,734 |
| Net operating income to assets | 1.6357% | 671 |
| Return on assets (ROA) | 1.6357% | 719 |
| Pretax return on assets | 2.7866% | 156 |
| Return on Equity (ROE) | 6.3822% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.3822% | 2,128 |
| Net charge-offs to loans | 0.0526% | 5,648 |
| Credit loss provision to net charge-offs | 1,069.5876% | 353 |
| Earnings coverage of net charge-offs (x) | 68.4485% | 455 |
| Efficiency ratio | 28.5499% | 7,757 |
| Assets per employee ($millions) | 8.1516% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8231% | 6,982 |
| Loan loss allowance to noncurrent loans | 13.5997% | 7,178 |
| Noncurrent assets plus other real estate owned to assets | 5.5638% | 1,101 |
| Noncurrent loans to loans | 6.0521% | 1,053 |
| Net loans and leases to total assets | 91.1744% | 42 |
| Net loans and leases to deposits | 123.6948% | 99 |
| Net loans and leases to core deposits | 127.1648% | 482 |
| Total domestic deposits to total assets | 73.7092% | 7,010 |
| Equity capital to assets | 25.3403% | 133 |
| Core capital (leverage) ratio | 25.3470% | 124 |
| Tier 1 risk-based capital ratio | 38.8494% | 270 |
| Total risk-based capital ratio | 40.0091% | 266 |
| Memoranda: | ||
| Average total assets | $1,608,242,330 | 423 |
| Average earning assets | $1,553,772,670 | 398 |
| Average equity | $412,180,330 | 205 |
| Average total loans | $1,475,089,330 | 321 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9177% | 1,162 |
| Cost of funding earning assets | 1.1865% | 5,475 |
| Net interest margin | 4.7312% | 730 |
| Noninterest income to average assets | 0.0020% | 7,652 |
| Noninterest expense to average assets | 1.3300% | 7,793 |
| Loan and lease loss provision to assets | 0.8833% | 1,440 |
| Net operating income to assets | 1.2303% | 1,463 |
| Return on assets (ROA) | 1.2303% | 1,540 |
| Pretax return on assets | 2.3597% | 319 |
| Return on Equity (ROE) | 4.7723% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.7723% | 3,284 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0839% | 7,855 |
| Assets per employee ($millions) | 7.8404% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8282% | 7,058 |
| Loan loss allowance to noncurrent loans | 14.2356% | 7,227 |
| Noncurrent assets plus other real estate owned to assets | 5.4106% | 1,150 |
| Noncurrent loans to loans | 5.8178% | 1,150 |
| Net loans and leases to total assets | 92.2299% | 34 |
| Net loans and leases to deposits | 125.9152% | 96 |
| Net loans and leases to core deposits | 129.1744% | 511 |
| Total domestic deposits to total assets | 73.2476% | 7,136 |
| Equity capital to assets | 25.8258% | 134 |
| Core capital (leverage) ratio | 25.8394% | 125 |
| Tier 1 risk-based capital ratio | 39.1714% | 266 |
| Total risk-based capital ratio | 40.3388% | 259 |
| Memoranda: | ||
| Average total assets | $1,584,979,500 | 442 |
| Average earning assets | $1,531,271,500 | 415 |
| Average equity | $408,608,500 | 208 |
| Average total loans | $1,452,011,000 | 338 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9726% | 1,975 |
| Cost of funding earning assets | 1.5733% | 5,165 |
| Net interest margin | 4.3993% | 1,433 |
| Noninterest income to average assets | -0.0017% | 7,711 |
| Noninterest expense to average assets | 1.4352% | 7,833 |
| Loan and lease loss provision to assets | 0.1633% | 6,059 |
| Net operating income to assets | 1.4875% | 694 |
| Return on assets (ROA) | 1.4875% | 747 |
| Pretax return on assets | 2.6616% | 133 |
| Return on Equity (ROE) | 5.6568% | 3,354 |
| Retained earnings to average equity (ytd only) | 5.6568% | 1,493 |
| Net charge-offs to loans | 0.0252% | 6,890 |
| Credit loss provision to net charge-offs | 716.3743% | 405 |
| Earnings coverage of net charge-offs (x) | 123.9211% | 234 |
| Efficiency ratio | 33.6895% | 7,916 |
| Assets per employee ($millions) | 7.6249% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 7,538 |
| Loan loss allowance to noncurrent loans | 15.8551% | 7,218 |
| Noncurrent assets plus other real estate owned to assets | 3.5001% | 1,919 |
| Noncurrent loans to loans | 3.8800% | 1,915 |
| Net loans and leases to total assets | 89.6547% | 98 |
| Net loans and leases to deposits | 122.2237% | 146 |
| Net loans and leases to core deposits | 149.0055% | 532 |
| Total domestic deposits to total assets | 73.3529% | 7,111 |
| Equity capital to assets | 25.7339% | 142 |
| Core capital (leverage) ratio | 25.7498% | 144 |
| Tier 1 risk-based capital ratio | 39.8078% | 255 |
| Total risk-based capital ratio | 40.6656% | 257 |
| Memoranda: | ||
| Average total assets | $1,500,261,200 | 457 |
| Average earning assets | $1,453,376,400 | 433 |
| Average equity | $394,499,600 | 215 |
| Average total loans | $1,356,911,000 | 364 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9876% | 2,092 |
| Cost of funding earning assets | 1.6291% | 5,262 |
| Net interest margin | 4.3586% | 1,566 |
| Noninterest income to average assets | -0.0092% | 7,859 |
| Noninterest expense to average assets | 1.4269% | 7,916 |
| Loan and lease loss provision to assets | 0.1531% | 5,826 |
| Net operating income to assets | 1.3493% | 1,121 |
| Return on assets (ROA) | 1.3493% | 1,187 |
| Pretax return on assets | 2.6383% | 157 |
| Return on Equity (ROE) | 5.1023% | 3,922 |
| Retained earnings to average equity (ytd only) | 5.1023% | 2,428 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8264% | 7,987 |
| Assets per employee ($millions) | 7.6243% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6071% | 7,570 |
| Loan loss allowance to noncurrent loans | 17.6380% | 7,212 |
| Noncurrent assets plus other real estate owned to assets | 3.0441% | 2,273 |
| Noncurrent loans to loans | 3.4422% | 2,171 |
| Net loans and leases to total assets | 87.6345% | 225 |
| Net loans and leases to deposits | 120.1215% | 202 |
| Net loans and leases to core deposits | 146.6447% | 666 |
| Total domestic deposits to total assets | 72.9549% | 7,092 |
| Equity capital to assets | 25.6749% | 165 |
| Core capital (leverage) ratio | 25.6671% | 159 |
| Tier 1 risk-based capital ratio | 40.1707% | 280 |
| Total risk-based capital ratio | 41.0085% | 281 |
| Memoranda: | ||
| Average total assets | $1,480,739,000 | 477 |
| Average earning assets | $1,436,214,000 | 451 |
| Average equity | $391,581,750 | 221 |
| Average total loans | $1,340,182,750 | 382 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0540% | 1,967 |
| Cost of funding earning assets | 1.6620% | 5,461 |
| Net interest margin | 4.3920% | 1,426 |
| Noninterest income to average assets | -0.0044% | 7,975 |
| Noninterest expense to average assets | 1.4935% | 7,973 |
| Loan and lease loss provision to assets | 0.1649% | 5,414 |
| Net operating income to assets | 1.2829% | 1,267 |
| Return on assets (ROA) | 1.2829% | 1,359 |
| Pretax return on assets | 2.5954% | 172 |
| Return on Equity (ROE) | 4.8016% | 4,167 |
| Retained earnings to average equity (ytd only) | 4.8016% | 2,640 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1106% | 8,073 |
| Assets per employee ($millions) | 7.3206% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5835% | 7,666 |
| Loan loss allowance to noncurrent loans | 16.1837% | 7,325 |
| Noncurrent assets plus other real estate owned to assets | 3.2372% | 1,933 |
| Noncurrent loans to loans | 3.6052% | 1,930 |
| Net loans and leases to total assets | 88.0062% | 233 |
| Net loans and leases to deposits | 120.8057% | 215 |
| Net loans and leases to core deposits | 145.7404% | 772 |
| Total domestic deposits to total assets | 72.8494% | 7,129 |
| Equity capital to assets | 26.2335% | 182 |
| Core capital (leverage) ratio | 26.2252% | 185 |
| Tier 1 risk-based capital ratio | 40.6192% | 294 |
| Total risk-based capital ratio | 41.4193% | 299 |
| Memoranda: | ||
| Average total assets | $1,455,866,670 | 496 |
| Average earning assets | $1,411,524,670 | 468 |
| Average equity | $388,997,000 | 225 |
| Average total loans | $1,329,792,000 | 399 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1045% | 1,926 |
| Cost of funding earning assets | 1.6898% | 5,639 |
| Net interest margin | 4.4147% | 1,313 |
| Noninterest income to average assets | 0.0198% | 7,978 |
| Noninterest expense to average assets | 1.4237% | 8,033 |
| Loan and lease loss provision to assets | 0.2232% | 4,219 |
| Net operating income to assets | 1.2833% | 1,422 |
| Return on assets (ROA) | 1.2833% | 1,523 |
| Pretax return on assets | 2.6515% | 194 |
| Return on Equity (ROE) | 4.7578% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.7578% | 3,256 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1213% | 8,130 |
| Assets per employee ($millions) | 7.2616% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5520% | 7,751 |
| Loan loss allowance to noncurrent loans | 18.6187% | 7,238 |
| Noncurrent assets plus other real estate owned to assets | 2.7380% | 2,076 |
| Noncurrent loans to loans | 2.9648% | 2,204 |
| Net loans and leases to total assets | 90.5929% | 116 |
| Net loans and leases to deposits | 124.7859% | 204 |
| Net loans and leases to core deposits | 149.9582% | 707 |
| Total domestic deposits to total assets | 72.5987% | 7,118 |
| Equity capital to assets | 26.5162% | 192 |
| Core capital (leverage) ratio | 26.5746% | 196 |
| Tier 1 risk-based capital ratio | 40.4410% | 318 |
| Total risk-based capital ratio | 41.2057% | 321 |
| Memoranda: | ||
| Average total assets | $1,433,443,500 | 504 |
| Average earning assets | $1,389,262,000 | 476 |
| Average equity | $386,650,500 | 226 |
| Average total loans | $1,330,452,500 | 401 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5965% | 2,508 |
| Cost of funding earning assets | 1.9345% | 6,627 |
| Net interest margin | 4.6619% | 1,040 |
| Noninterest income to average assets | 0.0331% | 7,968 |
| Noninterest expense to average assets | 1.3916% | 8,081 |
| Loan and lease loss provision to assets | 0.0148% | 7,192 |
| Net operating income to assets | 1.7155% | 657 |
| Return on assets (ROA) | 1.7155% | 630 |
| Pretax return on assets | 3.1477% | 86 |
| Return on Equity (ROE) | 6.2064% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.2064% | 1,434 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5578% | 8,230 |
| Assets per employee ($millions) | 7.1797% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4964% | 7,857 |
| Loan loss allowance to noncurrent loans | 15.6486% | 7,376 |
| Noncurrent assets plus other real estate owned to assets | 3.0405% | 1,511 |
| Noncurrent loans to loans | 3.1723% | 1,662 |
| Net loans and leases to total assets | 94.1469% | 29 |
| Net loans and leases to deposits | 132.2223% | 181 |
| Net loans and leases to core deposits | 155.9097% | 670 |
| Total domestic deposits to total assets | 71.2035% | 7,134 |
| Equity capital to assets | 27.4527% | 211 |
| Core capital (leverage) ratio | 27.5130% | 218 |
| Tier 1 risk-based capital ratio | 40.5812% | 330 |
| Total risk-based capital ratio | 41.2734% | 331 |
| Memoranda: | ||
| Average total assets | $1,348,623,600 | 509 |
| Average earning assets | $1,307,867,200 | 485 |
| Average equity | $372,761,800 | 233 |
| Average total loans | $1,238,963,400 | 413 |