Home > Metropolitan Commercial Bank > Performance and Condition Ratios
Metropolitan Commercial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9979% | 636 |
| Cost of funding earning assets | 2.4142% | 446 |
| Net interest margin | 3.5837% | 2,001 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 1.9233% | 3,788 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 1.2499% | 1,537 |
| Return on assets (ROA) | 1.2502% | 1,514 |
| Pretax return on assets | 1.7299% | 1,005 |
| Return on Equity (ROE) | 13.1800% | 1,681 |
| Retained earnings to average equity (ytd only) | 12.3814% | 588 |
| Net charge-offs to loans | 0.0236% | 1,839 |
| Credit loss provision to net charge-offs | 989.4996% | 416 |
| Earnings coverage of net charge-offs (x) | 103.2568% | 890 |
| Efficiency ratio | 50.0872% | 3,975 |
| Assets per employee ($millions) | 24.2844% | 71 |
| Cash dividends to net income (ytd only)* | 6.0900% | 3,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 3,160 |
| Loan loss allowance to noncurrent loans | 111.6924% | 3,143 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 702 |
| Noncurrent loans to loans | 0.9226% | 808 |
| Net loans and leases to total assets | 78.7800% | 787 |
| Net loans and leases to deposits | 96.5084% | 743 |
| Net loans and leases to core deposits | 171.0034% | 116 |
| Total domestic deposits to total assets | 81.6300% | 3,196 |
| Equity capital to assets | 9.3483% | 2,457 |
| Core capital (leverage) ratio | 10.2727% | 2,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4923% | 2,416 |
| Memoranda: | ||
| Average total assets | $6,567,371,000 | 224 |
| Average earning assets | $6,258,898,400 | 214 |
| Average equity | $622,723,200 | 228 |
| Average total loans | $5,162,403,800 | 200 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8665% | 633 |
| Cost of funding earning assets | 2.2413% | 463 |
| Net interest margin | 3.6252% | 1,936 |
| Noninterest income to average assets | 0.4400% | 2,254 |
| Noninterest expense to average assets | 1.8666% | 3,857 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.3755% | 1,373 |
| Return on assets (ROA) | 1.3743% | 1,355 |
| Pretax return on assets | 1.9109% | 847 |
| Return on Equity (ROE) | 14.4400% | 1,560 |
| Retained earnings to average equity (ytd only) | 13.3508% | 767 |
| Net charge-offs to loans | 0.0072% | 2,170 |
| Credit loss provision to net charge-offs | 1,995.9707% | 238 |
| Earnings coverage of net charge-offs (x) | 359.5238% | 397 |
| Efficiency ratio | 47.8874% | 4,053 |
| Assets per employee ($millions) | 23.0423% | 72 |
| Cash dividends to net income (ytd only)* | 7.5293% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,480 |
| Loan loss allowance to noncurrent loans | 168.9321% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 1,256 |
| Noncurrent loans to loans | 0.5782% | 1,388 |
| Net loans and leases to total assets | 79.3500% | 725 |
| Net loans and leases to deposits | 95.2812% | 799 |
| Net loans and leases to core deposits | 168.7892% | 73 |
| Total domestic deposits to total assets | 83.2800% | 2,966 |
| Equity capital to assets | 9.5434% | 2,072 |
| Core capital (leverage) ratio | 10.4582% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7724% | 2,359 |
| Memoranda: | ||
| Average total assets | $6,442,526,500 | 231 |
| Average earning assets | $6,139,494,750 | 219 |
| Average equity | $613,249,000 | 233 |
| Average total loans | $5,046,805,500 | 203 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6769% | 660 |
| Cost of funding earning assets | 1.9533% | 550 |
| Net interest margin | 3.7236% | 1,776 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.9010% | 3,820 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 1.3579% | 1,429 |
| Return on assets (ROA) | 1.3577% | 1,413 |
| Pretax return on assets | 1.9605% | 787 |
| Return on Equity (ROE) | 14.2800% | 1,623 |
| Retained earnings to average equity (ytd only) | 12.6235% | 869 |
| Net charge-offs to loans | 0.0058% | 2,041 |
| Credit loss provision to net charge-offs | 3,266.4336% | 162 |
| Earnings coverage of net charge-offs (x) | 470.8601% | 319 |
| Efficiency ratio | 47.3183% | 4,105 |
| Assets per employee ($millions) | 22.4082% | 77 |
| Cash dividends to net income (ytd only)* | 11.5762% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 3,402 |
| Loan loss allowance to noncurrent loans | 214.9933% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.3684% | 1,448 |
| Noncurrent loans to loans | 0.4665% | 1,545 |
| Net loans and leases to total assets | 78.1800% | 816 |
| Net loans and leases to deposits | 95.7435% | 745 |
| Net loans and leases to core deposits | 170.0001% | 79 |
| Total domestic deposits to total assets | 81.6500% | 3,304 |
| Equity capital to assets | 9.5652% | 2,118 |
| Core capital (leverage) ratio | 10.4823% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8523% | 2,352 |
| Memoranda: | ||
| Average total assets | $6,362,617,000 | 227 |
| Average earning assets | $6,068,037,000 | 216 |
| Average equity | $605,095,000 | 229 |
| Average total loans | $4,944,245,000 | 198 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5513% | 570 |
| Cost of funding earning assets | 1.6273% | 666 |
| Net interest margin | 3.9240% | 1,423 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.9143% | 3,824 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.6522% | 901 |
| Return on assets (ROA) | 1.6535% | 901 |
| Pretax return on assets | 2.2363% | 538 |
| Return on Equity (ROE) | 17.4400% | 1,107 |
| Retained earnings to average equity (ytd only) | 14.0817% | 926 |
| Net charge-offs to loans | 0.0083% | 1,637 |
| Credit loss provision to net charge-offs | 686.0000% | 463 |
| Earnings coverage of net charge-offs (x) | 357.0900% | 318 |
| Efficiency ratio | 45.7145% | 4,234 |
| Assets per employee ($millions) | 24.9057% | 68 |
| Cash dividends to net income (ytd only)* | 19.2500% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9850% | 3,573 |
| Loan loss allowance to noncurrent loans | 198.5847% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 1,355 |
| Noncurrent loans to loans | 0.4960% | 1,477 |
| Net loans and leases to total assets | 76.1100% | 961 |
| Net loans and leases to deposits | 92.8344% | 862 |
| Net loans and leases to core deposits | 151.1336% | 121 |
| Total domestic deposits to total assets | 81.9800% | 3,488 |
| Equity capital to assets | 9.6379% | 2,040 |
| Core capital (leverage) ratio | 10.4473% | 2,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2385% | 2,286 |
| Memoranda: | ||
| Average total assets | $6,283,531,000 | 235 |
| Average earning assets | $5,997,113,500 | 229 |
| Average equity | $595,779,000 | 235 |
| Average total loans | $4,841,594,500 | 205 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 1,607 |
| Cost of funding earning assets | 0.4680% | 1,594 |
| Net interest margin | 3.5752% | 1,714 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.1925% | 3,049 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.9397% | 2,817 |
| Return on assets (ROA) | 0.9366% | 2,770 |
| Pretax return on assets | 1.5179% | 1,398 |
| Return on Equity (ROE) | 10.7500% | 2,564 |
| Retained earnings to average equity (ytd only) | 10.7534% | 943 |
| Net charge-offs to loans | -0.0007% | 3,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.7091% | 3,499 |
| Assets per employee ($millions) | 24.9638% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9271% | 3,680 |
| Loan loss allowance to noncurrent loans | 186,962.5000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 3,966 |
| Noncurrent loans to loans | 0.0005% | 3,906 |
| Net loans and leases to total assets | 76.5200% | 960 |
| Net loans and leases to deposits | 90.4212% | 1,022 |
| Net loans and leases to core deposits | 99.3228% | 1,039 |
| Total domestic deposits to total assets | 84.6300% | 3,076 |
| Equity capital to assets | 9.3244% | 2,132 |
| Core capital (leverage) ratio | 10.0243% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1380% | 2,312 |
| Memoranda: | ||
| Average total assets | $6,657,607,200 | 220 |
| Average earning assets | $6,448,608,400 | 208 |
| Average equity | $579,879,200 | 244 |
| Average total loans | $4,336,492,600 | 217 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 2,166 |
| Cost of funding earning assets | 0.2810% | 2,374 |
| Net interest margin | 3.3783% | 2,044 |
| Noninterest income to average assets | 0.4000% | 2,735 |
| Noninterest expense to average assets | 1.5794% | 4,323 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.3724% | 1,166 |
| Return on assets (ROA) | 1.3682% | 1,145 |
| Pretax return on assets | 1.9491% | 515 |
| Return on Equity (ROE) | 15.9700% | 985 |
| Retained earnings to average equity (ytd only) | 15.9701% | 278 |
| Net charge-offs to loans | -0.0002% | 3,102 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.8272% | 4,497 |
| Assets per employee ($millions) | 26.4207% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 3,794 |
| Loan loss allowance to noncurrent loans | 177,237.5000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,047 |
| Noncurrent loans to loans | 0.0005% | 3,986 |
| Net loans and leases to total assets | 71.2400% | 1,372 |
| Net loans and leases to deposits | 79.3245% | 1,614 |
| Net loans and leases to core deposits | 84.5769% | 1,615 |
| Total domestic deposits to total assets | 89.8100% | 1,738 |
| Equity capital to assets | 9.2219% | 2,059 |
| Core capital (leverage) ratio | 9.7196% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9905% | 2,056 |
| Memoranda: | ||
| Average total assets | $6,755,528,750 | 221 |
| Average earning assets | $6,564,828,000 | 205 |
| Average equity | $578,783,500 | 248 |
| Average total loans | $4,210,680,000 | 220 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2940% | 2,761 |
| Cost of funding earning assets | 0.2193% | 2,651 |
| Net interest margin | 3.0747% | 2,629 |
| Noninterest income to average assets | 0.4253% | 2,595 |
| Noninterest expense to average assets | 1.4550% | 4,466 |
| Loan and lease loss provision to assets | 0.1689% | 542 |
| Net operating income to assets | 1.2692% | 1,224 |
| Return on assets (ROA) | 1.2651% | 1,220 |
| Pretax return on assets | 1.7899% | 616 |
| Return on Equity (ROE) | 15.1258% | 869 |
| Retained earnings to average equity (ytd only) | 15.1258% | 251 |
| Net charge-offs to loans | -0.0002% | 2,967 |
| Credit loss provision to net charge-offs | -116,000.0000% | 3,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5551% | 4,554 |
| Assets per employee ($millions) | 29.2146% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 3,875 |
| Loan loss allowance to noncurrent loans | 168,875.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 4,087 |
| Noncurrent loans to loans | 0.0005% | 4,021 |
| Net loans and leases to total assets | 63.1258% | 2,003 |
| Net loans and leases to deposits | 69.8647% | 2,218 |
| Net loans and leases to core deposits | 73.3770% | 2,217 |
| Total domestic deposits to total assets | 90.3543% | 1,546 |
| Equity capital to assets | 8.5244% | 2,743 |
| Core capital (leverage) ratio | 9.0741% | 3,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0946% | 2,020 |
| Memoranda: | ||
| Average total assets | $6,867,291,333 | 216 |
| Average earning assets | $6,686,269,000 | 200 |
| Average equity | $574,355,333 | 249 |
| Average total loans | $4,075,398,667 | 220 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0389% | 3,140 |
| Cost of funding earning assets | 0.2161% | 2,579 |
| Net interest margin | 2.8227% | 3,065 |
| Noninterest income to average assets | 0.4387% | 2,447 |
| Noninterest expense to average assets | 1.4097% | 4,532 |
| Loan and lease loss provision to assets | 0.1980% | 368 |
| Net operating income to assets | 1.1574% | 1,360 |
| Return on assets (ROA) | 1.1525% | 1,372 |
| Pretax return on assets | 1.5820% | 859 |
| Return on Equity (ROE) | 13.9135% | 852 |
| Retained earnings to average equity (ytd only) | 13.9135% | 386 |
| Net charge-offs to loans | -0.0005% | 2,979 |
| Credit loss provision to net charge-offs | -68,000.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1104% | 4,547 |
| Assets per employee ($millions) | 30.6563% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9253% | 3,974 |
| Loan loss allowance to noncurrent loans | 158,875.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 4,128 |
| Noncurrent loans to loans | 0.0006% | 4,056 |
| Net loans and leases to total assets | 61.6534% | 1,902 |
| Net loans and leases to deposits | 68.3841% | 2,109 |
| Net loans and leases to core deposits | 72.6504% | 2,056 |
| Total domestic deposits to total assets | 90.1575% | 1,473 |
| Equity capital to assets | 8.5893% | 3,090 |
| Core capital (leverage) ratio | 8.4904% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4522% | 2,015 |
| Memoranda: | ||
| Average total assets | $6,868,222,500 | 218 |
| Average earning assets | $6,708,853,500 | 202 |
| Average equity | $568,913,500 | 251 |
| Average total loans | $3,925,906,000 | 225 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1318% | 3,620 |
| Cost of funding earning assets | 0.2574% | 2,840 |
| Net interest margin | 2.8744% | 3,502 |
| Noninterest income to average assets | 0.4092% | 3,002 |
| Noninterest expense to average assets | 1.5204% | 4,518 |
| Loan and lease loss provision to assets | 0.0674% | 1,723 |
| Net operating income to assets | 1.1023% | 2,290 |
| Return on assets (ROA) | 1.1099% | 2,314 |
| Pretax return on assets | 1.6417% | 1,304 |
| Return on Equity (ROE) | 13.6066% | 1,285 |
| Retained earnings to average equity (ytd only) | 13.6066% | 342 |
| Net charge-offs to loans | 0.1309% | 703 |
| Credit loss provision to net charge-offs | 84.9099% | 1,917 |
| Earnings coverage of net charge-offs (x) | 21.4017% | 1,822 |
| Efficiency ratio | 47.2184% | 4,447 |
| Assets per employee ($millions) | 30.7995% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9307% | 3,987 |
| Loan loss allowance to noncurrent loans | 337.5620% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 2,929 |
| Noncurrent loans to loans | 0.2757% | 2,616 |
| Net loans and leases to total assets | 51.9548% | 3,074 |
| Net loans and leases to deposits | 57.0133% | 3,338 |
| Net loans and leases to core deposits | 63.9906% | 2,978 |
| Total domestic deposits to total assets | 91.1275% | 450 |
| Equity capital to assets | 7.9984% | 4,361 |
| Core capital (leverage) ratio | 8.3728% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2483% | 1,755 |
| Memoranda: | ||
| Average total assets | $5,658,077,800 | 244 |
| Average earning assets | $5,532,642,000 | 229 |
| Average equity | $461,542,400 | 287 |
| Average total loans | $3,431,104,800 | 247 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2012% | 3,604 |
| Cost of funding earning assets | 0.2695% | 2,905 |
| Net interest margin | 2.9317% | 3,476 |
| Noninterest income to average assets | 0.4049% | 3,056 |
| Noninterest expense to average assets | 1.5869% | 4,480 |
| Loan and lease loss provision to assets | 0.0835% | 1,424 |
| Net operating income to assets | 1.0809% | 2,623 |
| Return on assets (ROA) | 1.0922% | 2,642 |
| Pretax return on assets | 1.6126% | 1,658 |
| Return on Equity (ROE) | 13.3020% | 1,615 |
| Retained earnings to average equity (ytd only) | 13.3020% | 593 |
| Net charge-offs to loans | 0.0239% | 1,567 |
| Credit loss provision to net charge-offs | 551.5807% | 730 |
| Earnings coverage of net charge-offs (x) | 111.1115% | 813 |
| Efficiency ratio | 48.5480% | 4,330 |
| Assets per employee ($millions) | 26.9279% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 3,626 |
| Loan loss allowance to noncurrent loans | 247.8928% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.2504% | 2,526 |
| Noncurrent loans to loans | 0.4268% | 2,281 |
| Net loans and leases to total assets | 58.0561% | 2,489 |
| Net loans and leases to deposits | 64.6630% | 2,769 |
| Net loans and leases to core deposits | 72.6053% | 2,362 |
| Total domestic deposits to total assets | 89.7827% | 872 |
| Equity capital to assets | 9.0281% | 3,806 |
| Core capital (leverage) ratio | 9.2702% | 3,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6332% | 1,748 |
| Memoranda: | ||
| Average total assets | $5,293,924,000 | 260 |
| Average earning assets | $5,171,326,250 | 245 |
| Average equity | $434,662,000 | 296 |
| Average total loans | $3,356,093,750 | 251 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2330% | 3,603 |
| Cost of funding earning assets | 0.2752% | 3,038 |
| Net interest margin | 2.9578% | 3,429 |
| Noninterest income to average assets | 0.4061% | 3,076 |
| Noninterest expense to average assets | 1.6498% | 4,445 |
| Loan and lease loss provision to assets | 0.1127% | 1,120 |
| Net operating income to assets | 1.0433% | 2,744 |
| Return on assets (ROA) | 1.0614% | 2,749 |
| Pretax return on assets | 1.5559% | 1,855 |
| Return on Equity (ROE) | 13.4746% | 1,572 |
| Retained earnings to average equity (ytd only) | 13.4746% | 641 |
| Net charge-offs to loans | 0.0522% | 1,096 |
| Credit loss provision to net charge-offs | 330.4094% | 852 |
| Earnings coverage of net charge-offs (x) | 48.2386% | 1,084 |
| Efficiency ratio | 50.0605% | 4,231 |
| Assets per employee ($millions) | 27.8148% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 3,486 |
| Loan loss allowance to noncurrent loans | 680.6228% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 3,578 |
| Noncurrent loans to loans | 0.1592% | 3,418 |
| Net loans and leases to total assets | 58.9637% | 2,547 |
| Net loans and leases to deposits | 64.3077% | 2,966 |
| Net loans and leases to core deposits | 71.7178% | 2,627 |
| Total domestic deposits to total assets | 91.6899% | 195 |
| Equity capital to assets | 7.0428% | 4,836 |
| Core capital (leverage) ratio | 7.2743% | 4,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1535% | 2,933 |
| Memoranda: | ||
| Average total assets | $5,012,045,000 | 267 |
| Average earning assets | $4,896,206,333 | 253 |
| Average equity | $394,788,333 | 319 |
| Average total loans | $3,273,955,667 | 255 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 3,278 |
| Cost of funding earning assets | 0.2806% | 3,183 |
| Net interest margin | 3.0914% | 3,019 |
| Noninterest income to average assets | 0.4009% | 3,084 |
| Noninterest expense to average assets | 1.7271% | 4,327 |
| Loan and lease loss provision to assets | 0.0822% | 1,577 |
| Net operating income to assets | 1.1016% | 2,473 |
| Return on assets (ROA) | 1.0988% | 2,554 |
| Pretax return on assets | 1.6090% | 1,700 |
| Return on Equity (ROE) | 13.0837% | 1,652 |
| Retained earnings to average equity (ytd only) | 13.0837% | 897 |
| Net charge-offs to loans | 0.1073% | 652 |
| Credit loss provision to net charge-offs | 111.1111% | 1,068 |
| Earnings coverage of net charge-offs (x) | 22.9193% | 1,201 |
| Efficiency ratio | 50.4739% | 4,149 |
| Assets per employee ($millions) | 25.6320% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,452 |
| Loan loss allowance to noncurrent loans | 649.6706% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 3,613 |
| Noncurrent loans to loans | 0.1688% | 3,504 |
| Net loans and leases to total assets | 65.0512% | 1,915 |
| Net loans and leases to deposits | 71.9247% | 2,320 |
| Net loans and leases to core deposits | 80.7088% | 1,940 |
| Total domestic deposits to total assets | 90.4434% | 607 |
| Equity capital to assets | 7.9549% | 4,519 |
| Core capital (leverage) ratio | 8.2432% | 4,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3909% | 2,842 |
| Memoranda: | ||
| Average total assets | $4,625,323,500 | 277 |
| Average earning assets | $4,519,693,500 | 264 |
| Average equity | $388,453,000 | 320 |
| Average total loans | $3,186,578,500 | 258 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 3,277 |
| Cost of funding earning assets | 0.4255% | 3,428 |
| Net interest margin | 3.3829% | 2,824 |
| Noninterest income to average assets | 0.3548% | 3,345 |
| Noninterest expense to average assets | 1.8978% | 4,323 |
| Loan and lease loss provision to assets | 0.2463% | 1,569 |
| Net operating income to assets | 1.0193% | 2,221 |
| Return on assets (ROA) | 1.0876% | 2,094 |
| Pretax return on assets | 1.5960% | 1,082 |
| Return on Equity (ROE) | 11.5715% | 1,449 |
| Retained earnings to average equity (ytd only) | 11.5715% | 371 |
| Net charge-offs to loans | 0.0122% | 2,893 |
| Credit loss provision to net charge-offs | 2,687.8187% | 360 |
| Earnings coverage of net charge-offs (x) | 191.6261% | 483 |
| Efficiency ratio | 51.9451% | 4,387 |
| Assets per employee ($millions) | 22.9064% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 3,311 |
| Loan loss allowance to noncurrent loans | 554.1243% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 3,546 |
| Noncurrent loans to loans | 0.2037% | 3,481 |
| Net loans and leases to total assets | 71.6250% | 1,342 |
| Net loans and leases to deposits | 80.2207% | 1,841 |
| Net loans and leases to core deposits | 90.2593% | 1,506 |
| Total domestic deposits to total assets | 89.2850% | 860 |
| Equity capital to assets | 8.9025% | 4,145 |
| Core capital (leverage) ratio | 9.0454% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7309% | 2,720 |
| Memoranda: | ||
| Average total assets | $3,852,811,000 | 296 |
| Average earning assets | $3,757,025,200 | 283 |
| Average equity | $362,139,800 | 319 |
| Average total loans | $2,892,274,200 | 270 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 3,277 |
| Cost of funding earning assets | 0.4801% | 3,358 |
| Net interest margin | 3.4114% | 2,885 |
| Noninterest income to average assets | 0.3673% | 3,261 |
| Noninterest expense to average assets | 1.9888% | 4,169 |
| Loan and lease loss provision to assets | 0.2747% | 1,464 |
| Net operating income to assets | 0.9603% | 2,488 |
| Return on assets (ROA) | 1.0546% | 2,260 |
| Pretax return on assets | 1.5484% | 1,335 |
| Return on Equity (ROE) | 11.0508% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.0508% | 567 |
| Net charge-offs to loans | 0.0165% | 2,543 |
| Credit loss provision to net charge-offs | 2,191.7379% | 437 |
| Earnings coverage of net charge-offs (x) | 135.9259% | 649 |
| Efficiency ratio | 53.8601% | 4,162 |
| Assets per employee ($millions) | 22.4736% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1245% | 3,069 |
| Loan loss allowance to noncurrent loans | 507.4740% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 3,590 |
| Noncurrent loans to loans | 0.2216% | 3,507 |
| Net loans and leases to total assets | 73.8733% | 1,384 |
| Net loans and leases to deposits | 83.2786% | 1,985 |
| Net loans and leases to core deposits | 94.4033% | 1,601 |
| Total domestic deposits to total assets | 88.7063% | 895 |
| Equity capital to assets | 9.3104% | 3,852 |
| Core capital (leverage) ratio | 9.0072% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8547% | 2,666 |
| Memoranda: | ||
| Average total assets | $3,733,686,000 | 299 |
| Average earning assets | $3,639,368,750 | 285 |
| Average equity | $356,320,000 | 318 |
| Average total loans | $2,831,274,500 | 274 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,442 |
| Cost of funding earning assets | 0.5631% | 3,166 |
| Net interest margin | 3.3943% | 3,121 |
| Noninterest income to average assets | 0.3648% | 3,297 |
| Noninterest expense to average assets | 2.0314% | 4,166 |
| Loan and lease loss provision to assets | 0.3597% | 1,173 |
| Net operating income to assets | 0.8552% | 2,851 |
| Return on assets (ROA) | 1.0000% | 2,449 |
| Pretax return on assets | 1.4649% | 1,544 |
| Return on Equity (ROE) | 10.3857% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.3857% | 714 |
| Net charge-offs to loans | 0.0232% | 2,252 |
| Credit loss provision to net charge-offs | 2,029.4118% | 473 |
| Earnings coverage of net charge-offs (x) | 92.6006% | 727 |
| Efficiency ratio | 55.3115% | 4,030 |
| Assets per employee ($millions) | 23.0754% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 2,910 |
| Loan loss allowance to noncurrent loans | 384.7064% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 3,478 |
| Noncurrent loans to loans | 0.2922% | 3,335 |
| Net loans and leases to total assets | 72.0336% | 1,701 |
| Net loans and leases to deposits | 83.6679% | 2,025 |
| Net loans and leases to core deposits | 94.9033% | 1,670 |
| Total domestic deposits to total assets | 86.0946% | 1,973 |
| Equity capital to assets | 9.0851% | 4,008 |
| Core capital (leverage) ratio | 9.2006% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6357% | 2,756 |
| Memoranda: | ||
| Average total assets | $3,644,812,667 | 302 |
| Average earning assets | $3,551,902,333 | 289 |
| Average equity | $350,945,667 | 320 |
| Average total loans | $2,778,776,000 | 276 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2498% | 3,071 |
| Cost of funding earning assets | 0.7662% | 2,570 |
| Net interest margin | 3.4836% | 3,037 |
| Noninterest income to average assets | 0.3823% | 3,218 |
| Noninterest expense to average assets | 2.1967% | 4,011 |
| Loan and lease loss provision to assets | 0.5501% | 522 |
| Net operating income to assets | 0.6860% | 3,317 |
| Return on assets (ROA) | 0.7778% | 3,064 |
| Pretax return on assets | 1.1468% | 2,373 |
| Return on Equity (ROE) | 7.8261% | 2,585 |
| Retained earnings to average equity (ytd only) | 7.8261% | 1,283 |
| Net charge-offs to loans | 0.0203% | 1,960 |
| Credit loss provision to net charge-offs | 3,471.0145% | 226 |
| Earnings coverage of net charge-offs (x) | 99.7391% | 581 |
| Efficiency ratio | 58.1514% | 3,980 |
| Assets per employee ($millions) | 21.3626% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 3,101 |
| Loan loss allowance to noncurrent loans | 487.6202% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 3,790 |
| Noncurrent loans to loans | 0.2292% | 3,667 |
| Net loans and leases to total assets | 75.7884% | 1,336 |
| Net loans and leases to deposits | 90.0026% | 1,512 |
| Net loans and leases to core deposits | 99.1011% | 1,542 |
| Total domestic deposits to total assets | 84.2069% | 2,709 |
| Equity capital to assets | 9.7335% | 4,009 |
| Core capital (leverage) ratio | 9.8009% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5314% | 2,917 |
| Memoranda: | ||
| Average total assets | $3,482,732,500 | 302 |
| Average earning assets | $3,394,293,500 | 289 |
| Average equity | $346,125,500 | 322 |
| Average total loans | $2,722,417,000 | 273 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 2,411 |
| Cost of funding earning assets | 1.0672% | 1,442 |
| Net interest margin | 3.6025% | 3,127 |
| Noninterest income to average assets | 0.3700% | 3,489 |
| Noninterest expense to average assets | 2.0454% | 4,457 |
| Loan and lease loss provision to assets | 0.1479% | 1,446 |
| Net operating income to assets | 1.1502% | 2,254 |
| Return on assets (ROA) | 1.1520% | 2,346 |
| Pretax return on assets | 1.6843% | 1,231 |
| Return on Equity (ROE) | 10.1934% | 2,206 |
| Retained earnings to average equity (ytd only) | 10.1934% | 456 |
| Net charge-offs to loans | -0.1353% | 4,998 |
| Credit loss provision to net charge-offs | -135.9189% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7797% | 4,544 |
| Assets per employee ($millions) | 20.0909% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,606 |
| Loan loss allowance to noncurrent loans | 584.6428% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 3,968 |
| Noncurrent loans to loans | 0.1678% | 3,861 |
| Net loans and leases to total assets | 79.0262% | 928 |
| Net loans and leases to deposits | 94.4995% | 1,107 |
| Net loans and leases to core deposits | 104.4809% | 1,200 |
| Total domestic deposits to total assets | 83.6260% | 2,984 |
| Equity capital to assets | 10.1587% | 3,778 |
| Core capital (leverage) ratio | 10.0734% | 3,436 |
| Tier 1 risk-based capital ratio | 11.7897% | 4,477 |
| Total risk-based capital ratio | 12.7349% | 4,510 |
| Memoranda: | ||
| Average total assets | $2,855,422,200 | 326 |
| Average earning assets | $2,778,407,400 | 311 |
| Average equity | $322,699,800 | 329 |
| Average total loans | $2,297,206,400 | 297 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 2,461 |
| Cost of funding earning assets | 1.0968% | 1,369 |
| Net interest margin | 3.5898% | 3,280 |
| Noninterest income to average assets | 0.3756% | 3,467 |
| Noninterest expense to average assets | 2.0359% | 4,487 |
| Loan and lease loss provision to assets | 0.0939% | 2,031 |
| Net operating income to assets | 1.1882% | 2,237 |
| Return on assets (ROA) | 1.1916% | 2,305 |
| Pretax return on assets | 1.7390% | 1,225 |
| Return on Equity (ROE) | 10.2263% | 2,341 |
| Retained earnings to average equity (ytd only) | 10.2263% | 702 |
| Net charge-offs to loans | -0.2167% | 5,125 |
| Credit loss provision to net charge-offs | -53.7301% | 4,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6812% | 4,541 |
| Assets per employee ($millions) | 19.5247% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 3,693 |
| Loan loss allowance to noncurrent loans | 518.4345% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,014 |
| Noncurrent loans to loans | 0.1886% | 3,862 |
| Net loans and leases to total assets | 76.3719% | 1,420 |
| Net loans and leases to deposits | 90.8948% | 1,579 |
| Net loans and leases to core deposits | 102.8320% | 1,431 |
| Total domestic deposits to total assets | 84.0223% | 2,815 |
| Equity capital to assets | 10.2522% | 3,775 |
| Core capital (leverage) ratio | 10.2884% | 3,316 |
| Tier 1 risk-based capital ratio | 12.1780% | 4,329 |
| Total risk-based capital ratio | 13.1126% | 4,368 |
| Memoranda: | ||
| Average total assets | $2,730,482,250 | 337 |
| Average earning assets | $2,653,799,250 | 323 |
| Average equity | $318,163,750 | 334 |
| Average total loans | $2,202,073,000 | 309 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6501% | 2,521 |
| Cost of funding earning assets | 1.0467% | 1,510 |
| Net interest margin | 3.6034% | 3,242 |
| Noninterest income to average assets | 0.3903% | 3,337 |
| Noninterest expense to average assets | 2.0730% | 4,462 |
| Loan and lease loss provision to assets | -0.0063% | 5,112 |
| Net operating income to assets | 1.2502% | 1,959 |
| Return on assets (ROA) | 1.2545% | 1,996 |
| Pretax return on assets | 1.8274% | 974 |
| Return on Equity (ROE) | 10.2464% | 2,272 |
| Retained earnings to average equity (ytd only) | 10.2464% | 692 |
| Net charge-offs to loans | -0.3665% | 5,202 |
| Credit loss provision to net charge-offs | 2.1017% | 2,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3096% | 4,532 |
| Assets per employee ($millions) | 17.9223% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 3,776 |
| Loan loss allowance to noncurrent loans | 2,044.1944% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 4,577 |
| Noncurrent loans to loans | 0.0475% | 4,475 |
| Net loans and leases to total assets | 78.2661% | 1,170 |
| Net loans and leases to deposits | 96.7923% | 954 |
| Net loans and leases to core deposits | 100.8640% | 1,642 |
| Total domestic deposits to total assets | 80.8599% | 3,859 |
| Equity capital to assets | 10.8935% | 3,182 |
| Core capital (leverage) ratio | 11.7335% | 2,000 |
| Tier 1 risk-based capital ratio | 12.8024% | 3,948 |
| Total risk-based capital ratio | 13.7515% | 4,013 |
| Memoranda: | ||
| Average total assets | $2,560,277,670 | 353 |
| Average earning assets | $2,485,609,670 | 336 |
| Average equity | $313,457,000 | 338 |
| Average total loans | $2,102,855,670 | 317 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 2,187 |
| Cost of funding earning assets | 0.9495% | 1,796 |
| Net interest margin | 3.7616% | 2,666 |
| Noninterest income to average assets | 0.3988% | 3,189 |
| Noninterest expense to average assets | 2.1219% | 4,425 |
| Loan and lease loss provision to assets | -0.3440% | 5,328 |
| Net operating income to assets | 1.5717% | 957 |
| Return on assets (ROA) | 1.5769% | 968 |
| Pretax return on assets | 2.2740% | 378 |
| Return on Equity (ROE) | 12.0486% | 1,512 |
| Retained earnings to average equity (ytd only) | 12.0486% | 602 |
| Net charge-offs to loans | -0.7903% | 5,295 |
| Credit loss provision to net charge-offs | 51.7716% | 1,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4533% | 4,663 |
| Assets per employee ($millions) | 16.4060% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 3,766 |
| Loan loss allowance to noncurrent loans | 1,390.5207% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 4,528 |
| Noncurrent loans to loans | 0.0713% | 4,442 |
| Net loans and leases to total assets | 81.8203% | 609 |
| Net loans and leases to deposits | 104.8037% | 368 |
| Net loans and leases to core deposits | 109.9016% | 931 |
| Total domestic deposits to total assets | 78.0700% | 4,503 |
| Equity capital to assets | 12.3515% | 1,818 |
| Core capital (leverage) ratio | 13.3580% | 1,131 |
| Tier 1 risk-based capital ratio | 13.8355% | 3,435 |
| Total risk-based capital ratio | 14.8006% | 3,491 |
| Memoranda: | ||
| Average total assets | $2,361,828,000 | 371 |
| Average earning assets | $2,289,557,500 | 361 |
| Average equity | $309,116,000 | 342 |
| Average total loans | $1,985,694,000 | 333 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 2,622 |
| Cost of funding earning assets | 0.5427% | 3,096 |
| Net interest margin | 3.9005% | 2,325 |
| Noninterest income to average assets | 0.6247% | 2,169 |
| Noninterest expense to average assets | 2.1623% | 4,422 |
| Loan and lease loss provision to assets | 0.1608% | 1,273 |
| Net operating income to assets | 1.4413% | 1,305 |
| Return on assets (ROA) | 1.4398% | 1,296 |
| Pretax return on assets | 2.0754% | 469 |
| Return on Equity (ROE) | 9.7233% | 2,631 |
| Retained earnings to average equity (ytd only) | 9.7233% | 673 |
| Net charge-offs to loans | -0.0566% | 5,013 |
| Credit loss provision to net charge-offs | -341.4581% | 4,567 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1388% | 4,986 |
| Assets per employee ($millions) | 14.1606% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,599 |
| Loan loss allowance to noncurrent loans | 6,552.9412% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,833 |
| Noncurrent loans to loans | 0.0155% | 4,728 |
| Net loans and leases to total assets | 84.8794% | 328 |
| Net loans and leases to deposits | 110.5228% | 239 |
| Net loans and leases to core deposits | 118.3499% | 609 |
| Total domestic deposits to total assets | 76.7981% | 4,663 |
| Equity capital to assets | 13.9468% | 989 |
| Core capital (leverage) ratio | 14.7348% | 748 |
| Tier 1 risk-based capital ratio | 15.6332% | 2,563 |
| Total risk-based capital ratio | 16.6588% | 2,580 |
| Memoranda: | ||
| Average total assets | $1,951,351,400 | 420 |
| Average earning assets | $1,888,902,000 | 409 |
| Average equity | $288,955,400 | 348 |
| Average total loans | $1,623,866,000 | 385 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 2,602 |
| Cost of funding earning assets | 0.4728% | 3,378 |
| Net interest margin | 3.9351% | 2,174 |
| Noninterest income to average assets | 0.7043% | 1,846 |
| Noninterest expense to average assets | 2.1769% | 4,366 |
| Loan and lease loss provision to assets | 0.1615% | 1,191 |
| Net operating income to assets | 1.4916% | 1,215 |
| Return on assets (ROA) | 1.4895% | 1,222 |
| Pretax return on assets | 2.1711% | 417 |
| Return on Equity (ROE) | 9.8932% | 2,666 |
| Retained earnings to average equity (ytd only) | 9.8932% | 956 |
| Net charge-offs to loans | -0.1121% | 5,195 |
| Credit loss provision to net charge-offs | -174.7144% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2464% | 5,040 |
| Assets per employee ($millions) | 13.6744% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 3,265 |
| Loan loss allowance to noncurrent loans | 4,542.5061% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 4,884 |
| Noncurrent loans to loans | 0.0239% | 4,796 |
| Net loans and leases to total assets | 87.2676% | 168 |
| Net loans and leases to deposits | 108.5020% | 336 |
| Net loans and leases to core deposits | 119.2025% | 596 |
| Total domestic deposits to total assets | 80.4294% | 4,012 |
| Equity capital to assets | 15.3771% | 642 |
| Core capital (leverage) ratio | 14.7219% | 774 |
| Tier 1 risk-based capital ratio | 16.5104% | 2,268 |
| Total risk-based capital ratio | 17.5971% | 2,263 |
| Memoranda: | ||
| Average total assets | $1,894,007,250 | 429 |
| Average earning assets | $1,832,709,000 | 412 |
| Average equity | $285,159,000 | 349 |
| Average total loans | $1,562,351,000 | 388 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,981 |
| Cost of funding earning assets | 0.3929% | 3,778 |
| Net interest margin | 3.8460% | 2,401 |
| Noninterest income to average assets | 0.8566% | 1,298 |
| Noninterest expense to average assets | 2.2251% | 4,312 |
| Loan and lease loss provision to assets | 0.2918% | 477 |
| Net operating income to assets | 1.4236% | 1,356 |
| Return on assets (ROA) | 1.4204% | 1,369 |
| Pretax return on assets | 2.0580% | 531 |
| Return on Equity (ROE) | 9.5037% | 2,803 |
| Retained earnings to average equity (ytd only) | 9.5037% | 1,074 |
| Net charge-offs to loans | 0.0223% | 2,431 |
| Credit loss provision to net charge-offs | 1,625.4438% | 258 |
| Earnings coverage of net charge-offs (x) | 131.1006% | 582 |
| Efficiency ratio | 48.5952% | 5,087 |
| Assets per employee ($millions) | 13.8280% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0893% | 3,330 |
| Loan loss allowance to noncurrent loans | 9,093.2292% | 93 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 4,994 |
| Noncurrent loans to loans | 0.0120% | 4,895 |
| Net loans and leases to total assets | 82.4772% | 657 |
| Net loans and leases to deposits | 102.5933% | 620 |
| Net loans and leases to core deposits | 122.6355% | 496 |
| Total domestic deposits to total assets | 80.3924% | 4,157 |
| Equity capital to assets | 14.9932% | 687 |
| Core capital (leverage) ratio | 14.4740% | 788 |
| Tier 1 risk-based capital ratio | 16.9931% | 2,101 |
| Total risk-based capital ratio | 18.0826% | 2,104 |
| Memoranda: | ||
| Average total assets | $1,882,648,000 | 431 |
| Average earning assets | $1,822,040,330 | 416 |
| Average equity | $281,384,000 | 351 |
| Average total loans | $1,516,107,670 | 394 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1360% | 3,101 |
| Cost of funding earning assets | 0.3531% | 3,961 |
| Net interest margin | 3.7829% | 2,489 |
| Noninterest income to average assets | 1.1545% | 694 |
| Noninterest expense to average assets | 2.3827% | 3,995 |
| Loan and lease loss provision to assets | 0.3171% | 402 |
| Net operating income to assets | 1.4581% | 1,176 |
| Return on assets (ROA) | 1.4581% | 1,180 |
| Pretax return on assets | 2.1124% | 449 |
| Return on Equity (ROE) | 9.7718% | 2,551 |
| Retained earnings to average equity (ytd only) | 9.7718% | 1,232 |
| Net charge-offs to loans | 0.0277% | 1,943 |
| Credit loss provision to net charge-offs | 1,448.0392% | 260 |
| Earnings coverage of net charge-offs (x) | 110.9314% | 565 |
| Efficiency ratio | 49.5137% | 5,111 |
| Assets per employee ($millions) | 14.6821% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,567 |
| Loan loss allowance to noncurrent loans | 19,124.7059% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,121 |
| Noncurrent loans to loans | 0.0056% | 4,996 |
| Net loans and leases to total assets | 76.7068% | 1,424 |
| Net loans and leases to deposits | 93.0059% | 1,333 |
| Net loans and leases to core deposits | 108.5107% | 1,088 |
| Total domestic deposits to total assets | 82.4752% | 3,822 |
| Equity capital to assets | 14.3014% | 818 |
| Core capital (leverage) ratio | 14.6473% | 731 |
| Tier 1 risk-based capital ratio | 17.7440% | 1,911 |
| Total risk-based capital ratio | 18.8306% | 1,905 |
| Memoranda: | ||
| Average total assets | $1,862,923,500 | 443 |
| Average earning assets | $1,801,247,500 | 422 |
| Average equity | $277,984,500 | 354 |
| Average total loans | $1,472,786,000 | 405 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 2,800 |
| Cost of funding earning assets | 0.4612% | 2,679 |
| Net interest margin | 3.7114% | 2,758 |
| Noninterest income to average assets | 0.7482% | 1,780 |
| Noninterest expense to average assets | 2.1657% | 4,609 |
| Loan and lease loss provision to assets | 0.4674% | 291 |
| Net operating income to assets | 0.8978% | 2,722 |
| Return on assets (ROA) | 0.8978% | 2,756 |
| Pretax return on assets | 1.6918% | 1,026 |
| Return on Equity (ROE) | 7.7546% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.7546% | 843 |
| Net charge-offs to loans | 0.3193% | 794 |
| Credit loss provision to net charge-offs | 176.9616% | 1,533 |
| Earnings coverage of net charge-offs (x) | 8.1757% | 2,947 |
| Efficiency ratio | 50.0758% | 5,213 |
| Assets per employee ($millions) | 13.6314% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0479% | 3,639 |
| Loan loss allowance to noncurrent loans | 439.1266% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 4,172 |
| Noncurrent loans to loans | 0.2386% | 3,948 |
| Net loans and leases to total assets | 79.9174% | 969 |
| Net loans and leases to deposits | 98.8589% | 829 |
| Net loans and leases to core deposits | 109.8239% | 1,021 |
| Total domestic deposits to total assets | 80.8398% | 4,157 |
| Equity capital to assets | 15.6162% | 565 |
| Core capital (leverage) ratio | 14.7062% | 678 |
| Tier 1 risk-based capital ratio | 18.3567% | 1,692 |
| Total risk-based capital ratio | 19.4121% | 1,711 |
| Memoranda: | ||
| Average total assets | $1,510,431,000 | 514 |
| Average earning assets | $1,455,616,600 | 491 |
| Average equity | $174,877,400 | 479 |
| Average total loans | $1,249,353,000 | 446 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 2,995 |
| Cost of funding earning assets | 0.4768% | 2,459 |
| Net interest margin | 3.6200% | 3,069 |
| Noninterest income to average assets | 0.4650% | 3,245 |
| Noninterest expense to average assets | 2.1121% | 4,707 |
| Loan and lease loss provision to assets | 0.3277% | 462 |
| Net operating income to assets | 0.9096% | 2,981 |
| Return on assets (ROA) | 0.9096% | 3,040 |
| Pretax return on assets | 1.5128% | 1,731 |
| Return on Equity (ROE) | 8.7861% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.7861% | 916 |
| Net charge-offs to loans | 0.0331% | 2,769 |
| Credit loss provision to net charge-offs | 1,186.6667% | 308 |
| Earnings coverage of net charge-offs (x) | 66.6467% | 934 |
| Efficiency ratio | 53.4363% | 4,973 |
| Assets per employee ($millions) | 13.6675% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0891% | 3,553 |
| Loan loss allowance to noncurrent loans | 212.4771% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.4119% | 3,380 |
| Noncurrent loans to loans | 0.5126% | 3,166 |
| Net loans and leases to total assets | 79.4788% | 1,056 |
| Net loans and leases to deposits | 91.0769% | 1,680 |
| Net loans and leases to core deposits | 102.8039% | 1,483 |
| Total domestic deposits to total assets | 87.2656% | 1,744 |
| Equity capital to assets | 9.3477% | 4,594 |
| Core capital (leverage) ratio | 9.3201% | 4,383 |
| Tier 1 risk-based capital ratio | 10.7673% | 5,355 |
| Total risk-based capital ratio | 11.8489% | 5,351 |
| Memoranda: | ||
| Average total assets | $1,448,427,250 | 536 |
| Average earning assets | $1,395,442,000 | 509 |
| Average equity | $149,946,000 | 549 |
| Average total loans | $1,206,644,750 | 457 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0588% | 2,979 |
| Cost of funding earning assets | 0.4839% | 2,297 |
| Net interest margin | 3.5749% | 3,127 |
| Noninterest income to average assets | 0.4154% | 3,599 |
| Noninterest expense to average assets | 2.1185% | 4,739 |
| Loan and lease loss provision to assets | 0.3478% | 413 |
| Net operating income to assets | 0.8345% | 3,224 |
| Return on assets (ROA) | 0.8345% | 3,278 |
| Pretax return on assets | 1.3859% | 2,071 |
| Return on Equity (ROE) | 7.7433% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.7433% | 1,261 |
| Net charge-offs to loans | 0.0464% | 2,288 |
| Credit loss provision to net charge-offs | 887.2180% | 421 |
| Earnings coverage of net charge-offs (x) | 44.2293% | 1,175 |
| Efficiency ratio | 54.9941% | 4,924 |
| Assets per employee ($millions) | 13.4379% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 3,682 |
| Loan loss allowance to noncurrent loans | 304.4002% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.2881% | 3,982 |
| Noncurrent loans to loans | 0.3557% | 3,755 |
| Net loans and leases to total assets | 80.1220% | 936 |
| Net loans and leases to deposits | 94.6701% | 1,208 |
| Net loans and leases to core deposits | 96.3999% | 1,943 |
| Total domestic deposits to total assets | 84.6328% | 2,966 |
| Equity capital to assets | 9.8775% | 4,052 |
| Core capital (leverage) ratio | 10.2063% | 3,266 |
| Tier 1 risk-based capital ratio | 11.3027% | 5,087 |
| Total risk-based capital ratio | 12.3905% | 5,065 |
| Memoranda: | ||
| Average total assets | $1,357,203,330 | 569 |
| Average earning assets | $1,304,755,330 | 548 |
| Average equity | $146,269,000 | 558 |
| Average total loans | $1,147,601,670 | 478 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1774% | 2,350 |
| Cost of funding earning assets | 0.4857% | 2,202 |
| Net interest margin | 3.6918% | 2,510 |
| Noninterest income to average assets | 0.4010% | 3,657 |
| Noninterest expense to average assets | 2.3283% | 4,330 |
| Loan and lease loss provision to assets | 0.1834% | 937 |
| Net operating income to assets | 0.8605% | 2,943 |
| Return on assets (ROA) | 0.8605% | 2,986 |
| Pretax return on assets | 1.4266% | 1,782 |
| Return on Equity (ROE) | 7.5809% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.5809% | 1,616 |
| Net charge-offs to loans | 0.0552% | 1,781 |
| Credit loss provision to net charge-offs | 382.5503% | 669 |
| Earnings coverage of net charge-offs (x) | 33.5772% | 1,144 |
| Efficiency ratio | 59.1191% | 4,577 |
| Assets per employee ($millions) | 11.3074% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 3,640 |
| Loan loss allowance to noncurrent loans | 269.0125% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 3,764 |
| Noncurrent loans to loans | 0.4136% | 3,605 |
| Net loans and leases to total assets | 85.8386% | 235 |
| Net loans and leases to deposits | 105.6543% | 333 |
| Net loans and leases to core deposits | 122.4632% | 398 |
| Total domestic deposits to total assets | 81.2447% | 4,355 |
| Equity capital to assets | 12.1216% | 1,759 |
| Core capital (leverage) ratio | 11.7283% | 1,809 |
| Tier 1 risk-based capital ratio | 13.1867% | 3,962 |
| Total risk-based capital ratio | 14.3209% | 3,942 |
| Memoranda: | ||
| Average total assets | $1,242,970,500 | 617 |
| Average earning assets | $1,190,975,000 | 597 |
| Average equity | $141,091,500 | 574 |
| Average total loans | $1,079,215,500 | 498 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,270 |
| Cost of funding earning assets | 0.5348% | 1,830 |
| Net interest margin | 3.7257% | 2,592 |
| Noninterest income to average assets | 0.4836% | 3,329 |
| Noninterest expense to average assets | 2.5076% | 3,983 |
| Loan and lease loss provision to assets | 0.7380% | 159 |
| Net operating income to assets | 0.4850% | 4,690 |
| Return on assets (ROA) | 0.4873% | 4,758 |
| Pretax return on assets | 0.7857% | 4,225 |
| Return on Equity (ROE) | 4.8371% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.8371% | 2,453 |
| Net charge-offs to loans | 0.6619% | 333 |
| Credit loss provision to net charge-offs | 130.2134% | 2,066 |
| Earnings coverage of net charge-offs (x) | 2.6820% | 3,786 |
| Efficiency ratio | 62.2597% | 4,208 |
| Assets per employee ($millions) | 11.5048% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,623 |
| Loan loss allowance to noncurrent loans | 322.7049% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.3001% | 4,073 |
| Noncurrent loans to loans | 0.3456% | 3,897 |
| Net loans and leases to total assets | 85.8789% | 237 |
| Net loans and leases to deposits | 104.5649% | 414 |
| Net loans and leases to core deposits | 117.8105% | 554 |
| Total domestic deposits to total assets | 82.1297% | 4,037 |
| Equity capital to assets | 10.5511% | 3,100 |
| Core capital (leverage) ratio | 10.4079% | 2,978 |
| Tier 1 risk-based capital ratio | 11.2433% | 5,194 |
| Total risk-based capital ratio | 12.4805% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,091,482,400 | 656 |
| Average earning assets | $1,038,278,600 | 635 |
| Average equity | $109,963,200 | 730 |
| Average total loans | $934,607,400 | 545 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2750% | 2,242 |
| Cost of funding earning assets | 0.5572% | 1,629 |
| Net interest margin | 3.7179% | 2,648 |
| Noninterest income to average assets | 0.5080% | 3,195 |
| Noninterest expense to average assets | 2.6845% | 3,389 |
| Loan and lease loss provision to assets | 0.2517% | 747 |
| Net operating income to assets | 0.6494% | 4,086 |
| Return on assets (ROA) | 0.6526% | 4,195 |
| Pretax return on assets | 1.1097% | 3,187 |
| Return on Equity (ROE) | 6.5673% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.5673% | 1,864 |
| Net charge-offs to loans | 0.0657% | 2,400 |
| Credit loss provision to net charge-offs | 449.4382% | 780 |
| Earnings coverage of net charge-offs (x) | 24.2202% | 1,686 |
| Efficiency ratio | 66.4341% | 3,513 |
| Assets per employee ($millions) | 10.6921% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,309 |
| Loan loss allowance to noncurrent loans | 2,711.5566% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 5,325 |
| Noncurrent loans to loans | 0.0438% | 5,184 |
| Net loans and leases to total assets | 87.6272% | 159 |
| Net loans and leases to deposits | 102.3290% | 548 |
| Net loans and leases to core deposits | 118.4245% | 561 |
| Total domestic deposits to total assets | 85.6328% | 2,541 |
| Equity capital to assets | 11.8282% | 2,234 |
| Core capital (leverage) ratio | 10.7141% | 2,771 |
| Tier 1 risk-based capital ratio | 12.6626% | 4,365 |
| Total risk-based capital ratio | 13.9127% | 4,271 |
| Memoranda: | ||
| Average total assets | $1,059,476,250 | 681 |
| Average earning assets | $1,006,747,250 | 658 |
| Average equity | $105,286,250 | 758 |
| Average total loans | $903,481,750 | 557 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 2,473 |
| Cost of funding earning assets | 0.5676% | 1,560 |
| Net interest margin | 3.6454% | 2,914 |
| Noninterest income to average assets | 0.5201% | 3,064 |
| Noninterest expense to average assets | 2.4604% | 4,147 |
| Loan and lease loss provision to assets | 0.3451% | 474 |
| Net operating income to assets | 0.6932% | 3,823 |
| Return on assets (ROA) | 0.6981% | 3,957 |
| Pretax return on assets | 1.1762% | 2,876 |
| Return on Equity (ROE) | 7.5208% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.5208% | 1,372 |
| Net charge-offs to loans | 0.0109% | 3,336 |
| Credit loss provision to net charge-offs | 3,770.8333% | 113 |
| Earnings coverage of net charge-offs (x) | 165.4167% | 385 |
| Efficiency ratio | 61.9112% | 4,360 |
| Assets per employee ($millions) | 10.5979% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2324% | 3,172 |
| Loan loss allowance to noncurrent loans | 427.3092% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2485% | 4,501 |
| Noncurrent loans to loans | 0.2884% | 4,339 |
| Net loans and leases to total assets | 85.1042% | 320 |
| Net loans and leases to deposits | 97.8702% | 904 |
| Net loans and leases to core deposits | 113.1785% | 766 |
| Total domestic deposits to total assets | 86.9562% | 1,938 |
| Equity capital to assets | 9.0308% | 5,215 |
| Core capital (leverage) ratio | 8.1907% | 5,605 |
| Tier 1 risk-based capital ratio | 9.6234% | 5,928 |
| Total risk-based capital ratio | 10.8739% | 5,904 |
| Memoranda: | ||
| Average total assets | $1,049,104,330 | 686 |
| Average earning assets | $994,017,330 | 664 |
| Average equity | $97,382,670 | 813 |
| Average total loans | $882,258,330 | 568 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 2,814 |
| Cost of funding earning assets | 0.5591% | 1,630 |
| Net interest margin | 3.5505% | 3,277 |
| Noninterest income to average assets | 0.4475% | 3,504 |
| Noninterest expense to average assets | 2.4425% | 4,249 |
| Loan and lease loss provision to assets | 0.2191% | 877 |
| Net operating income to assets | 0.6795% | 3,817 |
| Return on assets (ROA) | 0.6795% | 3,937 |
| Pretax return on assets | 1.1446% | 2,914 |
| Return on Equity (ROE) | 7.2145% | 3,340 |
| Retained earnings to average equity (ytd only) | 7.2145% | 1,787 |
| Net charge-offs to loans | -0.0014% | 4,095 |
| Credit loss provision to net charge-offs | -18,666.6667% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1727% | 4,096 |
| Assets per employee ($millions) | 10.4860% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1992% | 3,487 |
| Loan loss allowance to noncurrent loans | 131.9226% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7445% | 2,846 |
| Noncurrent loans to loans | 0.9090% | 2,577 |
| Net loans and leases to total assets | 80.9184% | 697 |
| Net loans and leases to deposits | 95.0331% | 1,041 |
| Net loans and leases to core deposits | 108.0443% | 967 |
| Total domestic deposits to total assets | 85.1476% | 3,064 |
| Equity capital to assets | 9.1071% | 5,077 |
| Core capital (leverage) ratio | 8.6937% | 5,183 |
| Tier 1 risk-based capital ratio | 10.2851% | 5,835 |
| Total risk-based capital ratio | 11.5353% | 5,763 |
| Memoranda: | ||
| Average total assets | $1,022,567,500 | 706 |
| Average earning assets | $967,309,000 | 690 |
| Average equity | $96,306,000 | 820 |
| Average total loans | $848,535,500 | 586 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,099 |
| Cost of funding earning assets | 0.5965% | 1,384 |
| Net interest margin | 3.4569% | 3,687 |
| Noninterest income to average assets | 0.5209% | 3,193 |
| Noninterest expense to average assets | 2.6968% | 3,590 |
| Loan and lease loss provision to assets | 0.2355% | 829 |
| Net operating income to assets | 0.5291% | 4,587 |
| Return on assets (ROA) | 0.5291% | 4,664 |
| Pretax return on assets | 0.8484% | 4,029 |
| Return on Equity (ROE) | 5.1345% | 4,444 |
| Retained earnings to average equity (ytd only) | 5.1345% | 2,326 |
| Net charge-offs to loans | -0.0017% | 4,859 |
| Credit loss provision to net charge-offs | -16,791.6667% | 5,769 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3314% | 3,011 |
| Assets per employee ($millions) | 9.9547% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 3,411 |
| Loan loss allowance to noncurrent loans | 478.2107% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2131% | 4,751 |
| Noncurrent loans to loans | 0.2532% | 4,527 |
| Net loans and leases to total assets | 83.1462% | 473 |
| Net loans and leases to deposits | 103.9351% | 441 |
| Net loans and leases to core deposits | 116.8608% | 577 |
| Total domestic deposits to total assets | 79.9982% | 4,742 |
| Equity capital to assets | 9.7590% | 4,233 |
| Core capital (leverage) ratio | 9.2570% | 4,535 |
| Tier 1 risk-based capital ratio | 10.8277% | 5,613 |
| Total risk-based capital ratio | 12.0781% | 5,515 |
| Memoranda: | ||
| Average total assets | $855,657,200 | 807 |
| Average earning assets | $806,846,800 | 779 |
| Average equity | $88,167,800 | 863 |
| Average total loans | $711,051,400 | 649 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0395% | 3,175 |
| Cost of funding earning assets | 0.6117% | 1,333 |
| Net interest margin | 3.4278% | 3,845 |
| Noninterest income to average assets | 0.5132% | 3,276 |
| Noninterest expense to average assets | 2.6428% | 3,745 |
| Loan and lease loss provision to assets | 0.2018% | 993 |
| Net operating income to assets | 0.5347% | 4,658 |
| Return on assets (ROA) | 0.5347% | 4,755 |
| Pretax return on assets | 0.8972% | 3,989 |
| Return on Equity (ROE) | 5.1089% | 4,577 |
| Retained earnings to average equity (ytd only) | 5.1089% | 2,839 |
| Net charge-offs to loans | -0.0018% | 4,688 |
| Credit loss provision to net charge-offs | -13,888.8889% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6283% | 3,109 |
| Assets per employee ($millions) | 9.1869% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 3,504 |
| Loan loss allowance to noncurrent loans | 448.9966% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2246% | 4,868 |
| Noncurrent loans to loans | 0.2733% | 4,599 |
| Net loans and leases to total assets | 81.1977% | 677 |
| Net loans and leases to deposits | 97.0518% | 905 |
| Net loans and leases to core deposits | 110.0281% | 874 |
| Total domestic deposits to total assets | 83.6643% | 3,548 |
| Equity capital to assets | 10.3517% | 3,756 |
| Core capital (leverage) ratio | 9.8460% | 3,841 |
| Tier 1 risk-based capital ratio | 11.6691% | 5,283 |
| Total risk-based capital ratio | 12.9197% | 5,208 |
| Memoranda: | ||
| Average total assets | $825,680,250 | 854 |
| Average earning assets | $777,706,000 | 821 |
| Average equity | $86,408,500 | 888 |
| Average total loans | $683,542,500 | 683 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 3,099 |
| Cost of funding earning assets | 0.6293% | 1,234 |
| Net interest margin | 3.4159% | 3,850 |
| Noninterest income to average assets | 0.4698% | 3,562 |
| Noninterest expense to average assets | 2.7187% | 3,530 |
| Loan and lease loss provision to assets | 0.1554% | 1,367 |
| Net operating income to assets | 0.4879% | 4,821 |
| Return on assets (ROA) | 0.4879% | 4,919 |
| Pretax return on assets | 0.8130% | 4,282 |
| Return on Equity (ROE) | 4.6428% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.6428% | 3,086 |
| Net charge-offs to loans | -0.0018% | 4,583 |
| Credit loss provision to net charge-offs | -10,333.3333% | 5,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7336% | 2,714 |
| Assets per employee ($millions) | 8.7786% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 3,616 |
| Loan loss allowance to noncurrent loans | 416.0253% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 4,888 |
| Noncurrent loans to loans | 0.2960% | 4,624 |
| Net loans and leases to total assets | 82.1355% | 540 |
| Net loans and leases to deposits | 103.0662% | 497 |
| Net loans and leases to core deposits | 110.0056% | 835 |
| Total domestic deposits to total assets | 79.6920% | 4,931 |
| Equity capital to assets | 11.0942% | 2,788 |
| Core capital (leverage) ratio | 10.0776% | 3,496 |
| Tier 1 risk-based capital ratio | 12.2129% | 4,992 |
| Total risk-based capital ratio | 13.4631% | 4,890 |
| Memoranda: | ||
| Average total assets | $797,740,670 | 884 |
| Average earning assets | $751,359,330 | 855 |
| Average equity | $83,828,330 | 914 |
| Average total loans | $662,168,330 | 709 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 3,099 |
| Cost of funding earning assets | 0.6263% | 1,260 |
| Net interest margin | 3.4089% | 3,810 |
| Noninterest income to average assets | 0.3781% | 4,175 |
| Noninterest expense to average assets | 2.7654% | 3,365 |
| Loan and lease loss provision to assets | 0.1385% | 1,485 |
| Net operating income to assets | 0.3940% | 5,088 |
| Return on assets (ROA) | 0.3940% | 5,205 |
| Pretax return on assets | 0.6885% | 4,624 |
| Return on Equity (ROE) | 3.8651% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.8651% | 3,683 |
| Net charge-offs to loans | -0.0019% | 4,348 |
| Credit loss provision to net charge-offs | -9,000.0000% | 5,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9780% | 2,347 |
| Assets per employee ($millions) | 8.6168% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 3,718 |
| Loan loss allowance to noncurrent loans | 396.8977% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 4,902 |
| Noncurrent loans to loans | 0.3137% | 4,667 |
| Net loans and leases to total assets | 81.9257% | 468 |
| Net loans and leases to deposits | 100.6328% | 528 |
| Net loans and leases to core deposits | 105.8319% | 948 |
| Total domestic deposits to total assets | 81.4105% | 4,700 |
| Equity capital to assets | 10.0940% | 4,028 |
| Core capital (leverage) ratio | 9.0461% | 4,898 |
| Tier 1 risk-based capital ratio | 11.0463% | 5,782 |
| Total risk-based capital ratio | 12.2970% | 5,708 |
| Memoranda: | ||
| Average total assets | $779,627,500 | 896 |
| Average earning assets | $735,142,000 | 877 |
| Average equity | $79,481,500 | 963 |
| Average total loans | $646,490,500 | 722 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1778% | 3,019 |
| Cost of funding earning assets | 0.6824% | 1,197 |
| Net interest margin | 3.4955% | 3,814 |
| Noninterest income to average assets | 1.1338% | 944 |
| Noninterest expense to average assets | 3.7207% | 1,110 |
| Loan and lease loss provision to assets | 0.0558% | 3,432 |
| Net operating income to assets | 0.2517% | 5,655 |
| Return on assets (ROA) | 0.2581% | 5,695 |
| Pretax return on assets | 0.6408% | 4,806 |
| Return on Equity (ROE) | 2.2787% | 5,695 |
| Retained earnings to average equity (ytd only) | -2.0575% | 6,020 |
| Net charge-offs to loans | -0.0018% | 5,370 |
| Credit loss provision to net charge-offs | -3,920.0000% | 6,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4284% | 1,612 |
| Assets per employee ($millions) | 8.3316% | 471 |
| Cash dividends to net income (ytd only)* | 190.2923% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 3,743 |
| Loan loss allowance to noncurrent loans | 381.8138% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 4,951 |
| Noncurrent loans to loans | 0.3263% | 4,668 |
| Net loans and leases to total assets | 81.8536% | 535 |
| Net loans and leases to deposits | 101.4946% | 541 |
| Net loans and leases to core deposits | 106.1656% | 1,011 |
| Total domestic deposits to total assets | 80.6483% | 4,843 |
| Equity capital to assets | 10.2991% | 3,722 |
| Core capital (leverage) ratio | 9.2083% | 4,669 |
| Tier 1 risk-based capital ratio | 11.4932% | 5,669 |
| Total risk-based capital ratio | 12.7442% | 5,584 |
| Memoranda: | ||
| Average total assets | $702,442,000 | 953 |
| Average earning assets | $657,854,000 | 939 |
| Average equity | $79,562,400 | 920 |
| Average total loans | $565,104,000 | 788 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2242% | 2,910 |
| Cost of funding earning assets | 0.6969% | 1,165 |
| Net interest margin | 3.5272% | 3,728 |
| Noninterest income to average assets | 0.9428% | 1,384 |
| Noninterest expense to average assets | 3.7494% | 1,039 |
| Loan and lease loss provision to assets | 0.0049% | 4,317 |
| Net operating income to assets | 0.2306% | 5,780 |
| Return on assets (ROA) | 0.2393% | 5,817 |
| Pretax return on assets | 0.4984% | 5,331 |
| Return on Equity (ROE) | 2.0606% | 5,825 |
| Retained earnings to average equity (ytd only) | 2.0606% | 5,025 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2709% | 1,074 |
| Assets per employee ($millions) | 6.0589% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2661% | 3,842 |
| Loan loss allowance to noncurrent loans | 362.0557% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2749% | 5,164 |
| Noncurrent loans to loans | 0.3497% | 4,856 |
| Net loans and leases to total assets | 77.6148% | 1,004 |
| Net loans and leases to deposits | 100.1875% | 602 |
| Net loans and leases to core deposits | 104.7565% | 1,048 |
| Total domestic deposits to total assets | 77.4696% | 5,607 |
| Equity capital to assets | 10.7627% | 3,222 |
| Core capital (leverage) ratio | 9.8977% | 3,822 |
| Tier 1 risk-based capital ratio | 12.5716% | 5,130 |
| Total risk-based capital ratio | 13.8228% | 5,062 |
| Memoranda: | ||
| Average total assets | $686,426,000 | 985 |
| Average earning assets | $641,466,500 | 965 |
| Average equity | $79,717,250 | 924 |
| Average total loans | $547,548,000 | 806 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1816% | 3,023 |
| Cost of funding earning assets | 0.7182% | 1,095 |
| Net interest margin | 3.4634% | 3,923 |
| Noninterest income to average assets | 0.9358% | 1,379 |
| Noninterest expense to average assets | 3.7530% | 1,038 |
| Loan and lease loss provision to assets | 0.0935% | 2,462 |
| Net operating income to assets | 0.1380% | 5,976 |
| Return on assets (ROA) | 0.1515% | 5,984 |
| Pretax return on assets | 0.3540% | 5,670 |
| Return on Equity (ROE) | 1.2690% | 6,000 |
| Retained earnings to average equity (ytd only) | 1.2690% | 5,242 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9711% | 1,091 |
| Assets per employee ($millions) | 5.3940% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3974% | 3,364 |
| Loan loss allowance to noncurrent loans | 76.4861% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 1.4814% | 2,203 |
| Noncurrent loans to loans | 1.8270% | 1,878 |
| Net loans and leases to total assets | 79.9493% | 691 |
| Net loans and leases to deposits | 104.1441% | 357 |
| Net loans and leases to core deposits | 107.9506% | 768 |
| Total domestic deposits to total assets | 76.7680% | 5,817 |
| Equity capital to assets | 11.7094% | 2,233 |
| Core capital (leverage) ratio | 10.3833% | 3,101 |
| Tier 1 risk-based capital ratio | 13.0185% | 4,897 |
| Total risk-based capital ratio | 14.2711% | 4,831 |
| Memoranda: | ||
| Average total assets | $662,782,000 | 1,020 |
| Average earning assets | $620,723,670 | 996 |
| Average equity | $79,119,000 | 923 |
| Average total loans | $531,610,670 | 824 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 3,240 |
| Cost of funding earning assets | 0.7348% | 1,048 |
| Net interest margin | 3.3747% | 4,245 |
| Noninterest income to average assets | 0.9615% | 1,226 |
| Noninterest expense to average assets | 3.7969% | 984 |
| Loan and lease loss provision to assets | 0.0740% | 2,657 |
| Net operating income to assets | 0.0876% | 6,058 |
| Return on assets (ROA) | 0.1153% | 6,028 |
| Pretax return on assets | 0.2872% | 5,747 |
| Return on Equity (ROE) | 0.9558% | 6,048 |
| Retained earnings to average equity (ytd only) | 0.9558% | 5,216 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8143% | 1,054 |
| Assets per employee ($millions) | 5.0206% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 3,455 |
| Loan loss allowance to noncurrent loans | 91.8200% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 2,767 |
| Noncurrent loans to loans | 1.5595% | 2,478 |
| Net loans and leases to total assets | 79.2847% | 628 |
| Net loans and leases to deposits | 105.1318% | 258 |
| Net loans and leases to core deposits | 109.1573% | 619 |
| Total domestic deposits to total assets | 75.4146% | 6,124 |
| Equity capital to assets | 12.0774% | 1,821 |
| Core capital (leverage) ratio | 10.9882% | 2,404 |
| Tier 1 risk-based capital ratio | 13.4747% | 4,700 |
| Total risk-based capital ratio | 14.7277% | 4,645 |
| Memoranda: | ||
| Average total assets | $648,955,500 | 1,054 |
| Average earning assets | $606,394,500 | 1,037 |
| Average equity | $78,255,500 | 934 |
| Average total loans | $517,505,500 | 851 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2854% | 3,015 |
| Cost of funding earning assets | 0.8467% | 962 |
| Net interest margin | 3.4387% | 4,136 |
| Noninterest income to average assets | 1.0981% | 1,162 |
| Noninterest expense to average assets | 4.0880% | 787 |
| Loan and lease loss provision to assets | -0.0527% | 6,391 |
| Net operating income to assets | 0.1225% | 5,995 |
| Return on assets (ROA) | 0.1225% | 6,058 |
| Pretax return on assets | 0.2622% | 5,822 |
| Return on Equity (ROE) | 0.9636% | 6,090 |
| Retained earnings to average equity (ytd only) | 0.9636% | 5,407 |
| Net charge-offs to loans | 0.1607% | 3,198 |
| Credit loss provision to net charge-offs | -43.5440% | 5,777 |
| Earnings coverage of net charge-offs (x) | 1.7294% | 4,471 |
| Efficiency ratio | 95.0561% | 696 |
| Assets per employee ($millions) | 4.8121% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 3,212 |
| Loan loss allowance to noncurrent loans | 164.4342% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 4,086 |
| Noncurrent loans to loans | 0.9103% | 3,707 |
| Net loans and leases to total assets | 77.8395% | 844 |
| Net loans and leases to deposits | 99.0965% | 528 |
| Net loans and leases to core deposits | 103.6513% | 933 |
| Total domestic deposits to total assets | 78.5492% | 5,731 |
| Equity capital to assets | 12.0392% | 1,777 |
| Core capital (leverage) ratio | 10.8027% | 2,573 |
| Tier 1 risk-based capital ratio | 13.4762% | 4,668 |
| Total risk-based capital ratio | 14.7299% | 4,607 |
| Memoranda: | ||
| Average total assets | $601,052,600 | 1,109 |
| Average earning assets | $559,224,600 | 1,086 |
| Average equity | $76,377,000 | 934 |
| Average total loans | $453,087,400 | 940 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3051% | 2,967 |
| Cost of funding earning assets | 0.8708% | 944 |
| Net interest margin | 3.4344% | 4,147 |
| Noninterest income to average assets | 1.1181% | 1,172 |
| Noninterest expense to average assets | 4.1780% | 701 |
| Loan and lease loss provision to assets | -0.1823% | 6,707 |
| Net operating income to assets | 0.1593% | 6,021 |
| Return on assets (ROA) | 0.1593% | 6,086 |
| Pretax return on assets | 0.3148% | 5,833 |
| Return on Equity (ROE) | 1.2363% | 6,133 |
| Retained earnings to average equity (ytd only) | 1.2363% | 5,483 |
| Net charge-offs to loans | 0.2256% | 2,459 |
| Credit loss provision to net charge-offs | -108.5791% | 5,801 |
| Earnings coverage of net charge-offs (x) | 0.7895% | 4,589 |
| Efficiency ratio | 96.8574% | 581 |
| Assets per employee ($millions) | 4.5926% | 2,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 3,426 |
| Loan loss allowance to noncurrent loans | 89.6543% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.2504% | 3,140 |
| Noncurrent loans to loans | 1.6805% | 2,671 |
| Net loans and leases to total assets | 73.2849% | 1,401 |
| Net loans and leases to deposits | 92.7697% | 918 |
| Net loans and leases to core deposits | 97.0351% | 1,316 |
| Total domestic deposits to total assets | 78.9966% | 5,745 |
| Equity capital to assets | 12.2903% | 1,720 |
| Core capital (leverage) ratio | 11.0811% | 2,401 |
| Tier 1 risk-based capital ratio | 14.4388% | 4,114 |
| Total risk-based capital ratio | 15.6924% | 4,077 |
| Memoranda: | ||
| Average total assets | $592,517,750 | 1,134 |
| Average earning assets | $550,768,750 | 1,110 |
| Average equity | $76,353,250 | 944 |
| Average total loans | $440,873,500 | 972 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3942% | 2,583 |
| Cost of funding earning assets | 0.8916% | 943 |
| Net interest margin | 3.5026% | 3,772 |
| Noninterest income to average assets | 1.1760% | 1,097 |
| Noninterest expense to average assets | 4.1937% | 700 |
| Loan and lease loss provision to assets | 0.0309% | 4,310 |
| Net operating income to assets | 0.1035% | 6,127 |
| Return on assets (ROA) | 0.1035% | 6,215 |
| Pretax return on assets | 0.2097% | 6,065 |
| Return on Equity (ROE) | 0.7899% | 6,261 |
| Retained earnings to average equity (ytd only) | 0.7899% | 5,586 |
| Net charge-offs to loans | 0.2176% | 2,449 |
| Credit loss provision to net charge-offs | 19.1083% | 3,746 |
| Earnings coverage of net charge-offs (x) | 1.4862% | 4,038 |
| Efficiency ratio | 94.5039% | 743 |
| Assets per employee ($millions) | 4.3575% | 3,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8503% | 2,261 |
| Loan loss allowance to noncurrent loans | 127.2685% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 3,546 |
| Noncurrent loans to loans | 1.4539% | 3,123 |
| Net loans and leases to total assets | 73.7333% | 1,297 |
| Net loans and leases to deposits | 96.7330% | 622 |
| Net loans and leases to core deposits | 101.9888% | 940 |
| Total domestic deposits to total assets | 76.2235% | 6,228 |
| Equity capital to assets | 12.9540% | 1,361 |
| Core capital (leverage) ratio | 11.4318% | 1,995 |
| Tier 1 risk-based capital ratio | 15.1677% | 3,666 |
| Total risk-based capital ratio | 16.4258% | 3,630 |
| Memoranda: | ||
| Average total assets | $581,824,000 | 1,156 |
| Average earning assets | $541,258,670 | 1,129 |
| Average equity | $76,216,000 | 952 |
| Average total loans | $432,918,330 | 980 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,127 |
| Cost of funding earning assets | 0.8858% | 1,054 |
| Net interest margin | 3.6249% | 3,165 |
| Noninterest income to average assets | 1.2672% | 953 |
| Noninterest expense to average assets | 4.2233% | 692 |
| Loan and lease loss provision to assets | 0.1314% | 2,598 |
| Net operating income to assets | 0.1473% | 6,050 |
| Return on assets (ROA) | 0.1473% | 6,145 |
| Pretax return on assets | 0.2848% | 5,888 |
| Return on Equity (ROE) | 1.1178% | 6,193 |
| Retained earnings to average equity (ytd only) | 1.1178% | 5,407 |
| Net charge-offs to loans | 0.3193% | 1,687 |
| Credit loss provision to net charge-offs | 55.5556% | 2,512 |
| Earnings coverage of net charge-offs (x) | 1.7602% | 3,250 |
| Efficiency ratio | 90.9700% | 1,067 |
| Assets per employee ($millions) | 4.4115% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9291% | 2,224 |
| Loan loss allowance to noncurrent loans | 115.7851% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2281% | 3,512 |
| Noncurrent loans to loans | 1.6661% | 3,046 |
| Net loans and leases to total assets | 72.2903% | 1,309 |
| Net loans and leases to deposits | 95.9609% | 546 |
| Net loans and leases to core deposits | 101.6218% | 849 |
| Total domestic deposits to total assets | 75.3330% | 6,426 |
| Equity capital to assets | 13.0090% | 1,424 |
| Core capital (leverage) ratio | 11.7254% | 1,730 |
| Tier 1 risk-based capital ratio | 15.4200% | 3,579 |
| Total risk-based capital ratio | 16.6792% | 3,529 |
| Memoranda: | ||
| Average total assets | $578,603,500 | 1,167 |
| Average earning assets | $538,273,500 | 1,150 |
| Average equity | $76,222,000 | 961 |
| Average total loans | $428,415,500 | 996 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 2,578 |
| Cost of funding earning assets | 0.9941% | 1,389 |
| Net interest margin | 3.7102% | 3,606 |
| Noninterest income to average assets | 1.2985% | 908 |
| Noninterest expense to average assets | 4.2068% | 760 |
| Loan and lease loss provision to assets | 0.1731% | 3,459 |
| Net operating income to assets | 0.1835% | 5,821 |
| Return on assets (ROA) | 0.1835% | 5,988 |
| Pretax return on assets | 0.3513% | 5,708 |
| Return on Equity (ROE) | 1.3980% | 6,042 |
| Retained earnings to average equity (ytd only) | -0.8995% | 6,001 |
| Net charge-offs to loans | 0.2485% | 3,451 |
| Credit loss provision to net charge-offs | 99.1080% | 3,132 |
| Earnings coverage of net charge-offs (x) | 3.0030% | 3,926 |
| Efficiency ratio | 88.8503% | 1,157 |
| Assets per employee ($millions) | 4.1319% | 3,683 |
| Cash dividends to net income (ytd only)* | 164.3396% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0323% | 1,933 |
| Loan loss allowance to noncurrent loans | 142.4197% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 3,906 |
| Noncurrent loans to loans | 1.4270% | 3,458 |
| Net loans and leases to total assets | 72.8766% | 1,356 |
| Net loans and leases to deposits | 94.1731% | 737 |
| Net loans and leases to core deposits | 99.6189% | 1,047 |
| Total domestic deposits to total assets | 77.3858% | 6,179 |
| Equity capital to assets | 13.3452% | 1,289 |
| Core capital (leverage) ratio | 11.6477% | 1,767 |
| Tier 1 risk-based capital ratio | 15.6195% | 3,368 |
| Total risk-based capital ratio | 16.8800% | 3,319 |
| Memoranda: | ||
| Average total assets | $577,808,200 | 1,149 |
| Average earning assets | $534,577,000 | 1,126 |
| Average equity | $75,820,200 | 931 |
| Average total loans | $406,009,600 | 1,028 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 2,506 |
| Cost of funding earning assets | 1.0168% | 1,465 |
| Net interest margin | 3.7538% | 3,526 |
| Noninterest income to average assets | 1.2928% | 884 |
| Noninterest expense to average assets | 4.1580% | 765 |
| Loan and lease loss provision to assets | 0.2296% | 2,755 |
| Net operating income to assets | 0.1954% | 5,931 |
| Return on assets (ROA) | 0.1954% | 6,097 |
| Pretax return on assets | 0.3761% | 5,775 |
| Return on Equity (ROE) | 1.4951% | 6,159 |
| Retained earnings to average equity (ytd only) | -1.5654% | 6,343 |
| Net charge-offs to loans | 0.3345% | 2,785 |
| Credit loss provision to net charge-offs | 99.1080% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.6145% | 3,991 |
| Efficiency ratio | 87.2235% | 1,281 |
| Assets per employee ($millions) | 4.0130% | 3,843 |
| Cash dividends to net income (ytd only)* | 204.7002% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1556% | 1,791 |
| Loan loss allowance to noncurrent loans | 77.7082% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.9985% | 2,639 |
| Noncurrent loans to loans | 2.7740% | 2,028 |
| Net loans and leases to total assets | 69.1415% | 2,081 |
| Net loans and leases to deposits | 89.7425% | 1,178 |
| Net loans and leases to core deposits | 96.3748% | 1,384 |
| Total domestic deposits to total assets | 77.0443% | 6,222 |
| Equity capital to assets | 13.4434% | 1,371 |
| Core capital (leverage) ratio | 11.4122% | 2,045 |
| Tier 1 risk-based capital ratio | 16.4062% | 3,056 |
| Total risk-based capital ratio | 17.6679% | 3,014 |
| Memoranda: | ||
| Average total assets | $580,743,250 | 1,154 |
| Average earning assets | $536,973,000 | 1,142 |
| Average equity | $75,889,500 | 931 |
| Average total loans | $402,239,750 | 1,044 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 2,370 |
| Cost of funding earning assets | 1.0326% | 1,563 |
| Net interest margin | 3.8000% | 3,362 |
| Noninterest income to average assets | 1.3696% | 764 |
| Noninterest expense to average assets | 4.0675% | 869 |
| Loan and lease loss provision to assets | 0.0681% | 4,777 |
| Net operating income to assets | 0.4003% | 5,206 |
| Return on assets (ROA) | 0.4003% | 5,444 |
| Pretax return on assets | 0.7444% | 4,682 |
| Return on Equity (ROE) | 3.0917% | 5,659 |
| Retained earnings to average equity (ytd only) | 3.0917% | 4,582 |
| Net charge-offs to loans | 0.4995% | 2,085 |
| Credit loss provision to net charge-offs | 19.8216% | 4,608 |
| Earnings coverage of net charge-offs (x) | 2.3637% | 3,821 |
| Efficiency ratio | 83.2868% | 1,710 |
| Assets per employee ($millions) | 4.2937% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 2,234 |
| Loan loss allowance to noncurrent loans | 191.2722% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.7368% | 4,953 |
| Noncurrent loans to loans | 1.0452% | 4,428 |
| Net loans and leases to total assets | 65.6102% | 2,751 |
| Net loans and leases to deposits | 84.7222% | 1,755 |
| Net loans and leases to core deposits | 90.7354% | 1,905 |
| Total domestic deposits to total assets | 77.4415% | 6,258 |
| Equity capital to assets | 13.3407% | 1,374 |
| Core capital (leverage) ratio | 11.4757% | 1,920 |
| Tier 1 risk-based capital ratio | 16.8093% | 2,755 |
| Total risk-based capital ratio | 18.0685% | 2,709 |
| Memoranda: | ||
| Average total assets | $587,050,330 | 1,144 |
| Average earning assets | $542,316,000 | 1,130 |
| Average equity | $76,010,000 | 920 |
| Average total loans | $403,983,000 | 1,041 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9686% | 1,998 |
| Cost of funding earning assets | 1.0597% | 1,622 |
| Net interest margin | 3.9089% | 2,887 |
| Noninterest income to average assets | 1.4578% | 681 |
| Noninterest expense to average assets | 4.0450% | 885 |
| Loan and lease loss provision to assets | 0.1354% | 3,656 |
| Net operating income to assets | 0.4767% | 4,923 |
| Return on assets (ROA) | 0.4767% | 5,120 |
| Pretax return on assets | 0.8863% | 4,082 |
| Return on Equity (ROE) | 3.7372% | 5,409 |
| Retained earnings to average equity (ytd only) | 3.7372% | 4,343 |
| Net charge-offs to loans | 1.0040% | 1,032 |
| Credit loss provision to net charge-offs | 19.3424% | 3,790 |
| Earnings coverage of net charge-offs (x) | 1.4594% | 3,595 |
| Efficiency ratio | 79.7808% | 2,226 |
| Assets per employee ($millions) | 4.3226% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 2,646 |
| Loan loss allowance to noncurrent loans | 101.9109% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2908% | 3,987 |
| Noncurrent loans to loans | 1.8752% | 3,308 |
| Net loans and leases to total assets | 67.5180% | 2,200 |
| Net loans and leases to deposits | 86.6891% | 1,328 |
| Net loans and leases to core deposits | 92.3512% | 1,615 |
| Total domestic deposits to total assets | 77.8852% | 6,276 |
| Equity capital to assets | 13.0356% | 1,423 |
| Core capital (leverage) ratio | 11.2616% | 2,065 |
| Tier 1 risk-based capital ratio | 16.2393% | 3,050 |
| Total risk-based capital ratio | 17.4978% | 3,008 |
| Memoranda: | ||
| Average total assets | $590,748,500 | 1,133 |
| Average earning assets | $545,428,000 | 1,115 |
| Average equity | $75,350,000 | 923 |
| Average total loans | $411,939,500 | 1,019 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3770% | 1,477 |
| Cost of funding earning assets | 1.2917% | 1,521 |
| Net interest margin | 4.0853% | 2,498 |
| Noninterest income to average assets | 1.2603% | 815 |
| Noninterest expense to average assets | 4.1528% | 858 |
| Loan and lease loss provision to assets | 0.1285% | 5,008 |
| Net operating income to assets | 0.4002% | 4,863 |
| Return on assets (ROA) | 0.4002% | 5,037 |
| Pretax return on assets | 0.7476% | 4,166 |
| Return on Equity (ROE) | 3.2735% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.2735% | 3,895 |
| Net charge-offs to loans | 0.0930% | 5,411 |
| Credit loss provision to net charge-offs | 188.8614% | 1,358 |
| Earnings coverage of net charge-offs (x) | 12.8762% | 1,588 |
| Efficiency ratio | 82.5178% | 1,950 |
| Assets per employee ($millions) | 4.5315% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0435% | 2,145 |
| Loan loss allowance to noncurrent loans | 99.3160% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 1.4531% | 3,804 |
| Noncurrent loans to loans | 2.0576% | 3,131 |
| Net loans and leases to total assets | 69.1782% | 2,188 |
| Net loans and leases to deposits | 88.0318% | 1,377 |
| Net loans and leases to core deposits | 93.8263% | 1,716 |
| Total domestic deposits to total assets | 78.5832% | 6,076 |
| Equity capital to assets | 12.4771% | 1,812 |
| Core capital (leverage) ratio | 10.2389% | 3,044 |
| Tier 1 risk-based capital ratio | 15.1257% | 3,561 |
| Total risk-based capital ratio | 16.3860% | 3,522 |
| Memoranda: | ||
| Average total assets | $593,738,600 | 1,112 |
| Average earning assets | $547,719,800 | 1,088 |
| Average equity | $72,583,600 | 930 |
| Average total loans | $434,638,200 | 959 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 1,482 |
| Cost of funding earning assets | 1.3219% | 1,586 |
| Net interest margin | 4.0886% | 2,520 |
| Noninterest income to average assets | 1.2633% | 808 |
| Noninterest expense to average assets | 3.9303% | 1,104 |
| Loan and lease loss provision to assets | 0.1707% | 4,333 |
| Net operating income to assets | 0.5003% | 4,553 |
| Return on assets (ROA) | 0.5003% | 4,734 |
| Pretax return on assets | 0.9301% | 3,650 |
| Return on Equity (ROE) | 4.1137% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.1137% | 3,802 |
| Net charge-offs to loans | 0.0623% | 5,344 |
| Credit loss provision to net charge-offs | 370.7317% | 768 |
| Earnings coverage of net charge-offs (x) | 23.9119% | 1,098 |
| Efficiency ratio | 78.0629% | 2,537 |
| Assets per employee ($millions) | 4.6644% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0454% | 2,220 |
| Loan loss allowance to noncurrent loans | 57.0619% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 2.5326% | 2,541 |
| Noncurrent loans to loans | 3.5845% | 1,919 |
| Net loans and leases to total assets | 69.2080% | 2,239 |
| Net loans and leases to deposits | 89.7135% | 1,246 |
| Net loans and leases to core deposits | 96.0415% | 1,606 |
| Total domestic deposits to total assets | 77.1433% | 6,356 |
| Equity capital to assets | 12.1680% | 2,129 |
| Core capital (leverage) ratio | 10.6488% | 2,714 |
| Tier 1 risk-based capital ratio | 15.1613% | 3,570 |
| Total risk-based capital ratio | 16.4222% | 3,531 |
| Memoranda: | ||
| Average total assets | $593,767,500 | 1,114 |
| Average earning assets | $547,163,500 | 1,094 |
| Average equity | $72,212,750 | 942 |
| Average total loans | $438,491,500 | 964 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3454% | 1,727 |
| Cost of funding earning assets | 1.3288% | 1,767 |
| Net interest margin | 4.0166% | 2,764 |
| Noninterest income to average assets | 1.2375% | 827 |
| Noninterest expense to average assets | 3.8975% | 1,197 |
| Loan and lease loss provision to assets | 0.2035% | 3,889 |
| Net operating income to assets | 0.4451% | 4,743 |
| Return on assets (ROA) | 0.4451% | 4,883 |
| Pretax return on assets | 0.8291% | 3,914 |
| Return on Equity (ROE) | 3.6603% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.6603% | 3,895 |
| Net charge-offs to loans | 0.0928% | 4,747 |
| Credit loss provision to net charge-offs | 292.6829% | 1,044 |
| Earnings coverage of net charge-offs (x) | 14.8488% | 1,452 |
| Efficiency ratio | 78.9926% | 2,559 |
| Assets per employee ($millions) | 4.5011% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 2,535 |
| Loan loss allowance to noncurrent loans | 44.2450% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 3.2480% | 2,062 |
| Noncurrent loans to loans | 4.3871% | 1,538 |
| Net loans and leases to total assets | 72.5986% | 1,663 |
| Net loans and leases to deposits | 94.4572% | 839 |
| Net loans and leases to core deposits | 103.3101% | 1,090 |
| Total domestic deposits to total assets | 76.8587% | 6,472 |
| Equity capital to assets | 12.1367% | 2,003 |
| Core capital (leverage) ratio | 10.4676% | 2,745 |
| Tier 1 risk-based capital ratio | 14.2785% | 3,954 |
| Total risk-based capital ratio | 15.5377% | 3,924 |
| Memoranda: | ||
| Average total assets | $589,564,000 | 1,129 |
| Average earning assets | $542,000,330 | 1,117 |
| Average equity | $71,689,000 | 949 |
| Average total loans | $441,847,000 | 974 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 1,483 |
| Cost of funding earning assets | 1.3349% | 1,984 |
| Net interest margin | 4.0935% | 2,292 |
| Noninterest income to average assets | 1.2847% | 773 |
| Noninterest expense to average assets | 3.9581% | 1,092 |
| Loan and lease loss provision to assets | 0.2058% | 3,582 |
| Net operating income to assets | 0.4697% | 4,623 |
| Return on assets (ROA) | 0.4697% | 4,704 |
| Pretax return on assets | 0.8718% | 3,613 |
| Return on Equity (ROE) | 3.8593% | 4,975 |
| Retained earnings to average equity (ytd only) | 3.8593% | 3,857 |
| Net charge-offs to loans | 0.0916% | 4,024 |
| Credit loss provision to net charge-offs | 298.0198% | 1,082 |
| Earnings coverage of net charge-offs (x) | 15.6040% | 1,309 |
| Efficiency ratio | 78.3571% | 2,792 |
| Assets per employee ($millions) | 4.5612% | 2,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 2,584 |
| Loan loss allowance to noncurrent loans | 43.2421% | 5,414 |
| Noncurrent assets plus other real estate owned to assets | 3.3046% | 2,072 |
| Noncurrent loans to loans | 4.4706% | 1,571 |
| Net loans and leases to total assets | 72.4888% | 1,614 |
| Net loans and leases to deposits | 93.9664% | 830 |
| Net loans and leases to core deposits | 103.2613% | 1,114 |
| Total domestic deposits to total assets | 77.1433% | 6,508 |
| Equity capital to assets | 12.1518% | 1,829 |
| Core capital (leverage) ratio | 10.6721% | 2,454 |
| Tier 1 risk-based capital ratio | 14.4287% | 3,788 |
| Total risk-based capital ratio | 15.6880% | 3,739 |
| Memoranda: | ||
| Average total assets | $585,023,500 | 1,145 |
| Average earning assets | $536,070,500 | 1,140 |
| Average equity | $71,205,500 | 945 |
| Average total loans | $441,165,000 | 991 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9378% | 968 |
| Cost of funding earning assets | 1.7888% | 1,214 |
| Net interest margin | 4.1490% | 2,367 |
| Noninterest income to average assets | 1.2481% | 956 |
| Noninterest expense to average assets | 3.9086% | 1,307 |
| Loan and lease loss provision to assets | 0.2393% | 4,891 |
| Net operating income to assets | 0.4909% | 4,144 |
| Return on assets (ROA) | 0.4909% | 4,300 |
| Pretax return on assets | 0.9133% | 3,229 |
| Return on Equity (ROE) | 4.2562% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.2562% | 2,865 |
| Net charge-offs to loans | 0.5069% | 3,590 |
| Credit loss provision to net charge-offs | 58.6165% | 6,105 |
| Earnings coverage of net charge-offs (x) | 2.8236% | 3,665 |
| Efficiency ratio | 77.1681% | 2,844 |
| Assets per employee ($millions) | 4.4742% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8346% | 2,736 |
| Loan loss allowance to noncurrent loans | 42.8504% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 3.2932% | 2,143 |
| Noncurrent loans to loans | 4.2814% | 1,686 |
| Net loans and leases to total assets | 75.5080% | 1,373 |
| Net loans and leases to deposits | 97.4430% | 758 |
| Net loans and leases to core deposits | 108.2141% | 1,029 |
| Total domestic deposits to total assets | 77.4894% | 6,404 |
| Equity capital to assets | 12.1912% | 1,799 |
| Core capital (leverage) ratio | 10.3786% | 2,696 |
| Tier 1 risk-based capital ratio | 13.9950% | 3,880 |
| Total risk-based capital ratio | 15.2538% | 3,836 |
| Memoranda: | ||
| Average total assets | $598,496,800 | 1,118 |
| Average earning assets | $550,033,200 | 1,104 |
| Average equity | $69,029,200 | 971 |
| Average total loans | $481,983,600 | 933 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9988% | 941 |
| Cost of funding earning assets | 1.8768% | 1,104 |
| Net interest margin | 4.1220% | 2,526 |
| Noninterest income to average assets | 1.2291% | 918 |
| Noninterest expense to average assets | 3.8709% | 1,243 |
| Loan and lease loss provision to assets | 0.2018% | 5,031 |
| Net operating income to assets | 0.5112% | 4,264 |
| Return on assets (ROA) | 0.5112% | 4,456 |
| Pretax return on assets | 0.9510% | 3,365 |
| Return on Equity (ROE) | 4.4943% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.4943% | 3,354 |
| Net charge-offs to loans | 0.2997% | 4,166 |
| Credit loss provision to net charge-offs | 82.6836% | 5,051 |
| Earnings coverage of net charge-offs (x) | 4.7244% | 2,946 |
| Efficiency ratio | 76.9959% | 2,763 |
| Assets per employee ($millions) | 4.5828% | 2,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9133% | 2,438 |
| Loan loss allowance to noncurrent loans | 48.5845% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 3.0890% | 2,345 |
| Noncurrent loans to loans | 3.9381% | 1,921 |
| Net loans and leases to total assets | 76.9382% | 1,231 |
| Net loans and leases to deposits | 99.0677% | 718 |
| Net loans and leases to core deposits | 111.1294% | 973 |
| Total domestic deposits to total assets | 77.6623% | 6,324 |
| Equity capital to assets | 11.7955% | 2,287 |
| Core capital (leverage) ratio | 9.9975% | 3,257 |
| Tier 1 risk-based capital ratio | 13.3148% | 4,342 |
| Total risk-based capital ratio | 14.5746% | 4,297 |
| Memoranda: | ||
| Average total assets | $602,709,250 | 1,120 |
| Average earning assets | $554,834,750 | 1,093 |
| Average equity | $68,559,000 | 972 |
| Average total loans | $490,630,000 | 922 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0318% | 872 |
| Cost of funding earning assets | 1.9293% | 1,111 |
| Net interest margin | 4.1026% | 2,545 |
| Noninterest income to average assets | 1.2457% | 837 |
| Noninterest expense to average assets | 3.8791% | 1,219 |
| Loan and lease loss provision to assets | 0.2025% | 4,849 |
| Net operating income to assets | 0.5061% | 4,299 |
| Return on assets (ROA) | 0.5061% | 4,445 |
| Pretax return on assets | 0.9415% | 3,341 |
| Return on Equity (ROE) | 4.5039% | 4,537 |
| Retained earnings to average equity (ytd only) | 4.5039% | 3,200 |
| Net charge-offs to loans | 0.0302% | 5,918 |
| Credit loss provision to net charge-offs | 814.6667% | 456 |
| Earnings coverage of net charge-offs (x) | 46.0267% | 642 |
| Efficiency ratio | 77.1657% | 2,865 |
| Assets per employee ($millions) | 4.6746% | 2,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9948% | 2,199 |
| Loan loss allowance to noncurrent loans | 40.7867% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 3.8646% | 1,794 |
| Noncurrent loans to loans | 4.8908% | 1,430 |
| Net loans and leases to total assets | 77.4403% | 1,209 |
| Net loans and leases to deposits | 99.2092% | 787 |
| Net loans and leases to core deposits | 122.4511% | 611 |
| Total domestic deposits to total assets | 78.0576% | 6,255 |
| Equity capital to assets | 11.3421% | 2,557 |
| Core capital (leverage) ratio | 9.5935% | 3,681 |
| Tier 1 risk-based capital ratio | 12.8776% | 4,545 |
| Total risk-based capital ratio | 14.1388% | 4,488 |
| Memoranda: | ||
| Average total assets | $603,496,330 | 1,123 |
| Average earning assets | $555,653,330 | 1,098 |
| Average equity | $67,807,330 | 980 |
| Average total loans | $497,204,330 | 916 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1546% | 703 |
| Cost of funding earning assets | 1.9203% | 1,371 |
| Net interest margin | 4.2343% | 1,914 |
| Noninterest income to average assets | 1.2683% | 762 |
| Noninterest expense to average assets | 3.9704% | 1,074 |
| Loan and lease loss provision to assets | 0.2078% | 4,424 |
| Net operating income to assets | 0.5302% | 4,231 |
| Return on assets (ROA) | 0.5302% | 4,370 |
| Pretax return on assets | 0.9834% | 3,151 |
| Return on Equity (ROE) | 4.7423% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.7423% | 3,299 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8701% | 3,080 |
| Assets per employee ($millions) | 4.6263% | 2,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9002% | 2,443 |
| Loan loss allowance to noncurrent loans | 39.7642% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 3.9470% | 1,751 |
| Noncurrent loans to loans | 4.7787% | 1,538 |
| Net loans and leases to total assets | 81.0271% | 713 |
| Net loans and leases to deposits | 104.6373% | 491 |
| Net loans and leases to core deposits | 145.5017% | 273 |
| Total domestic deposits to total assets | 77.4361% | 6,461 |
| Equity capital to assets | 11.0790% | 2,698 |
| Core capital (leverage) ratio | 9.6747% | 3,553 |
| Tier 1 risk-based capital ratio | 12.3297% | 4,878 |
| Total risk-based capital ratio | 13.5904% | 4,829 |
| Memoranda: | ||
| Average total assets | $596,722,500 | 1,160 |
| Average earning assets | $548,664,000 | 1,140 |
| Average equity | $66,718,000 | 998 |
| Average total loans | $502,023,000 | 934 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6546% | 511 |
| Cost of funding earning assets | 2.4971% | 1,032 |
| Net interest margin | 4.1575% | 2,214 |
| Noninterest income to average assets | 1.5309% | 609 |
| Noninterest expense to average assets | 4.3795% | 896 |
| Loan and lease loss provision to assets | 1.0618% | 2,162 |
| Net operating income to assets | -0.1582% | 5,775 |
| Return on assets (ROA) | -0.1582% | 5,774 |
| Pretax return on assets | -0.2679% | 5,798 |
| Return on Equity (ROE) | -1.4157% | 5,759 |
| Retained earnings to average equity (ytd only) | -2.5674% | 5,627 |
| Net charge-offs to loans | 0.3936% | 4,242 |
| Credit loss provision to net charge-offs | 316.5217% | 1,031 |
| Earnings coverage of net charge-offs (x) | 2.3668% | 3,951 |
| Efficiency ratio | 84.5970% | 2,282 |
| Assets per employee ($millions) | 4.3511% | 3,191 |
| Cash dividends to net income (ytd only)* | -81.3449% | 7,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 2,469 |
| Loan loss allowance to noncurrent loans | 63.1793% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.4750% | 2,815 |
| Noncurrent loans to loans | 2.8876% | 2,674 |
| Net loans and leases to total assets | 84.1485% | 413 |
| Net loans and leases to deposits | 109.3207% | 407 |
| Net loans and leases to core deposits | 161.5886% | 325 |
| Total domestic deposits to total assets | 76.9740% | 6,483 |
| Equity capital to assets | 11.2857% | 2,471 |
| Core capital (leverage) ratio | 9.5359% | 3,675 |
| Tier 1 risk-based capital ratio | 11.9514% | 4,984 |
| Total risk-based capital ratio | 13.2107% | 4,930 |
| Memoranda: | ||
| Average total assets | $582,782,800 | 1,179 |
| Average earning assets | $510,593,200 | 1,233 |
| Average equity | $65,125,000 | 1,019 |
| Average total loans | $496,696,200 | 967 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7248% | 487 |
| Cost of funding earning assets | 2.6105% | 1,008 |
| Net interest margin | 4.1142% | 2,338 |
| Noninterest income to average assets | 1.5716% | 597 |
| Noninterest expense to average assets | 4.4231% | 811 |
| Loan and lease loss provision to assets | 0.8942% | 2,153 |
| Net operating income to assets | -0.1135% | 5,911 |
| Return on assets (ROA) | -0.1135% | 5,941 |
| Pretax return on assets | -0.1857% | 5,957 |
| Return on Equity (ROE) | -1.0180% | 5,934 |
| Retained earnings to average equity (ytd only) | -2.5604% | 5,831 |
| Net charge-offs to loans | 0.4722% | 3,334 |
| Credit loss provision to net charge-offs | 222.5328% | 1,963 |
| Earnings coverage of net charge-offs (x) | 1.7633% | 4,472 |
| Efficiency ratio | 86.1342% | 2,050 |
| Assets per employee ($millions) | 4.2992% | 3,210 |
| Cash dividends to net income (ytd only)* | -151.5167% | 8,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 3,710 |
| Loan loss allowance to noncurrent loans | 45.1740% | 5,306 |
| Noncurrent assets plus other real estate owned to assets | 2.6491% | 2,626 |
| Noncurrent loans to loans | 3.2012% | 2,366 |
| Net loans and leases to total assets | 81.5578% | 887 |
| Net loans and leases to deposits | 105.4438% | 682 |
| Net loans and leases to core deposits | 170.5780% | 268 |
| Total domestic deposits to total assets | 77.3471% | 6,250 |
| Equity capital to assets | 11.0230% | 2,986 |
| Core capital (leverage) ratio | 9.5000% | 3,908 |
| Tier 1 risk-based capital ratio | 11.9975% | 4,984 |
| Total risk-based capital ratio | 13.2517% | 4,912 |
| Memoranda: | ||
| Average total assets | $581,629,500 | 1,202 |
| Average earning assets | $503,280,000 | 1,265 |
| Average equity | $64,833,250 | 1,033 |
| Average total loans | $495,002,750 | 990 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7359% | 508 |
| Cost of funding earning assets | 2.7476% | 909 |
| Net interest margin | 3.9883% | 2,748 |
| Noninterest income to average assets | 1.7021% | 504 |
| Noninterest expense to average assets | 4.4802% | 792 |
| Loan and lease loss provision to assets | 1.2237% | 1,405 |
| Net operating income to assets | -0.3098% | 6,332 |
| Return on assets (ROA) | -0.3098% | 6,350 |
| Pretax return on assets | -0.5431% | 6,468 |
| Return on Equity (ROE) | -2.7690% | 6,335 |
| Retained earnings to average equity (ytd only) | -5.0893% | 6,313 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7521% | 2,151 |
| Assets per employee ($millions) | 4.0048% | 3,662 |
| Cash dividends to net income (ytd only)* | -83.7989% | 8,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6989% | 2,358 |
| Loan loss allowance to noncurrent loans | 49.9529% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 2.8860% | 2,218 |
| Noncurrent loans to loans | 3.4011% | 2,072 |
| Net loans and leases to total assets | 83.4128% | 725 |
| Net loans and leases to deposits | 107.9943% | 653 |
| Net loans and leases to core deposits | 172.0371% | 297 |
| Total domestic deposits to total assets | 77.2381% | 6,270 |
| Equity capital to assets | 11.0290% | 2,894 |
| Core capital (leverage) ratio | 9.6499% | 3,703 |
| Tier 1 risk-based capital ratio | 11.4891% | 5,390 |
| Total risk-based capital ratio | 12.7462% | 5,304 |
| Memoranda: | ||
| Average total assets | $577,744,330 | 1,229 |
| Average earning assets | $501,015,000 | 1,285 |
| Average equity | $64,645,000 | 1,047 |
| Average total loans | $496,347,000 | 1,002 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7711% | 508 |
| Cost of funding earning assets | 2.9494% | 684 |
| Net interest margin | 3.8216% | 3,367 |
| Noninterest income to average assets | 1.5475% | 579 |
| Noninterest expense to average assets | 4.6049% | 648 |
| Loan and lease loss provision to assets | 2.4199% | 480 |
| Net operating income to assets | -1.1820% | 7,354 |
| Return on assets (ROA) | -1.1820% | 7,367 |
| Pretax return on assets | -2.1543% | 7,573 |
| Return on Equity (ROE) | -10.4863% | 7,394 |
| Retained earnings to average equity (ytd only) | -10.4863% | 7,157 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4891% | 1,405 |
| Assets per employee ($millions) | 3.7746% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 2,142 |
| Loan loss allowance to noncurrent loans | 49.5232% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 3.0209% | 1,867 |
| Noncurrent loans to loans | 3.4362% | 1,858 |
| Net loans and leases to total assets | 86.4171% | 392 |
| Net loans and leases to deposits | 113.7617% | 457 |
| Net loans and leases to core deposits | 187.4665% | 192 |
| Total domestic deposits to total assets | 75.9633% | 6,520 |
| Equity capital to assets | 11.3189% | 2,705 |
| Core capital (leverage) ratio | 9.4614% | 4,033 |
| Tier 1 risk-based capital ratio | 11.3309% | 5,566 |
| Total risk-based capital ratio | 12.5882% | 5,471 |
| Memoranda: | ||
| Average total assets | $572,260,500 | 1,241 |
| Average earning assets | $497,588,000 | 1,301 |
| Average equity | $64,503,000 | 1,056 |
| Average total loans | $494,746,500 | 1,016 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1039% | 908 |
| Cost of funding earning assets | 3.5698% | 432 |
| Net interest margin | 3.5341% | 5,174 |
| Noninterest income to average assets | 1.8761% | 386 |
| Noninterest expense to average assets | 4.6211% | 803 |
| Loan and lease loss provision to assets | 0.2125% | 4,767 |
| Net operating income to assets | 0.1259% | 6,032 |
| Return on assets (ROA) | 0.1866% | 5,712 |
| Pretax return on assets | 0.3396% | 5,417 |
| Return on Equity (ROE) | 1.5241% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.5241% | 4,311 |
| Net charge-offs to loans | 0.0791% | 5,632 |
| Credit loss provision to net charge-offs | 313.0919% | 1,440 |
| Earnings coverage of net charge-offs (x) | 6.7354% | 3,287 |
| Efficiency ratio | 90.9297% | 1,446 |
| Assets per employee ($millions) | 3.5933% | 4,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 6,055 |
| Loan loss allowance to noncurrent loans | 68.8447% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2357% | 3,749 |
| Noncurrent loans to loans | 1.4530% | 3,620 |
| Net loans and leases to total assets | 84.1950% | 856 |
| Net loans and leases to deposits | 110.9794% | 769 |
| Net loans and leases to core deposits | 155.8001% | 674 |
| Total domestic deposits to total assets | 75.8654% | 6,280 |
| Equity capital to assets | 11.2259% | 2,866 |
| Core capital (leverage) ratio | 9.5676% | 3,916 |
| Tier 1 risk-based capital ratio | 11.3941% | 5,339 |
| Total risk-based capital ratio | 12.4318% | 5,443 |
| Memoranda: | ||
| Average total assets | $528,860,600 | 1,281 |
| Average earning assets | $479,185,400 | 1,291 |
| Average equity | $64,758,200 | 1,032 |
| Average total loans | $453,691,600 | 1,060 |