Home > Think Mutual Bank > Performance and Condition Ratios
Think Mutual 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 | 3.2351% | 4,471 |
| Cost of funding earning assets | 0.6517% | 3,993 |
| Net interest margin | 2.5834% | 3,987 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 2.6294% | 1,924 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.5289% | 3,610 |
| Return on assets (ROA) | 0.5289% | 3,594 |
| Pretax return on assets | 0.6902% | 3,463 |
| Return on Equity (ROE) | 3.9600% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.9647% | 2,971 |
| Net charge-offs to loans | 0.0493% | 1,375 |
| Credit loss provision to net charge-offs | 175.5233% | 1,333 |
| Earnings coverage of net charge-offs (x) | 24.6651% | 1,752 |
| Efficiency ratio | 78.1276% | 1,061 |
| Assets per employee ($millions) | 7.8310% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5137% | 4,327 |
| Loan loss allowance to noncurrent loans | 592.8571% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.0547% | 3,224 |
| Noncurrent loans to loans | 0.0866% | 3,111 |
| Net loans and leases to total assets | 62.8500% | 2,590 |
| Net loans and leases to deposits | 74.1260% | 2,606 |
| Net loans and leases to core deposits | 75.3438% | 3,013 |
| Total domestic deposits to total assets | 84.7900% | 2,377 |
| Equity capital to assets | 14.3935% | 617 |
| Core capital (leverage) ratio | 16.4439% | 435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,080,790,400 | 554 |
| Average earning assets | $1,957,346,600 | 536 |
| Average equity | $277,601,400 | 421 |
| Average total loans | $1,260,356,800 | 604 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2068% | 4,477 |
| Cost of funding earning assets | 0.5863% | 3,995 |
| Net interest margin | 2.6206% | 4,000 |
| Noninterest income to average assets | 0.9300% | 718 |
| Noninterest expense to average assets | 2.6151% | 1,896 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.5585% | 3,643 |
| Return on assets (ROA) | 0.5585% | 3,629 |
| Pretax return on assets | 0.7385% | 3,475 |
| Return on Equity (ROE) | 4.2700% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.2677% | 3,184 |
| Net charge-offs to loans | 0.0529% | 1,148 |
| Credit loss provision to net charge-offs | 146.7871% | 1,340 |
| Earnings coverage of net charge-offs (x) | 24.5582% | 1,708 |
| Efficiency ratio | 77.0708% | 1,085 |
| Assets per employee ($millions) | 7.7479% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4950% | 4,349 |
| Loan loss allowance to noncurrent loans | 681.1422% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 3,342 |
| Noncurrent loans to loans | 0.0727% | 3,237 |
| Net loans and leases to total assets | 63.3200% | 2,527 |
| Net loans and leases to deposits | 74.0383% | 2,560 |
| Net loans and leases to core deposits | 74.7230% | 2,946 |
| Total domestic deposits to total assets | 85.5200% | 2,342 |
| Equity capital to assets | 13.6372% | 702 |
| Core capital (leverage) ratio | 16.1115% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,095,886,500 | 553 |
| Average earning assets | $1,971,034,250 | 528 |
| Average equity | $274,299,750 | 425 |
| Average total loans | $1,256,332,000 | 603 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1560% | 4,510 |
| Cost of funding earning assets | 0.5260% | 3,931 |
| Net interest margin | 2.6299% | 4,070 |
| Noninterest income to average assets | 0.9100% | 672 |
| Noninterest expense to average assets | 2.6136% | 1,889 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.5483% | 3,704 |
| Return on assets (ROA) | 0.5483% | 3,713 |
| Pretax return on assets | 0.7248% | 3,551 |
| Return on Equity (ROE) | 4.2500% | 3,995 |
| Retained earnings to average equity (ytd only) | 4.2453% | 3,146 |
| Net charge-offs to loans | 0.0552% | 973 |
| Credit loss provision to net charge-offs | 164.6377% | 1,144 |
| Earnings coverage of net charge-offs (x) | 23.6696% | 1,668 |
| Efficiency ratio | 77.2813% | 1,066 |
| Assets per employee ($millions) | 7.8058% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4970% | 4,379 |
| Loan loss allowance to noncurrent loans | 679.3326% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 3,316 |
| Noncurrent loans to loans | 0.0732% | 3,169 |
| Net loans and leases to total assets | 61.7800% | 2,593 |
| Net loans and leases to deposits | 71.9840% | 2,649 |
| Net loans and leases to core deposits | 72.4058% | 2,994 |
| Total domestic deposits to total assets | 85.8300% | 2,287 |
| Equity capital to assets | 13.5347% | 711 |
| Core capital (leverage) ratio | 15.5430% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,125,610,333 | 529 |
| Average earning assets | $2,001,351,000 | 512 |
| Average equity | $274,513,000 | 416 |
| Average total loans | $1,249,452,667 | 596 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0958% | 4,527 |
| Cost of funding earning assets | 0.4695% | 3,777 |
| Net interest margin | 2.6263% | 4,179 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 2.6425% | 1,833 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.5142% | 3,863 |
| Return on assets (ROA) | 0.5142% | 3,826 |
| Pretax return on assets | 0.6776% | 3,703 |
| Return on Equity (ROE) | 4.0700% | 4,030 |
| Retained earnings to average equity (ytd only) | 4.0736% | 3,257 |
| Net charge-offs to loans | 0.0533% | 830 |
| Credit loss provision to net charge-offs | 90.9091% | 1,173 |
| Earnings coverage of net charge-offs (x) | 22.8606% | 1,417 |
| Efficiency ratio | 79.1372% | 889 |
| Assets per employee ($millions) | 8.3439% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4885% | 4,441 |
| Loan loss allowance to noncurrent loans | 605.4835% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 3,320 |
| Noncurrent loans to loans | 0.0807% | 3,165 |
| Net loans and leases to total assets | 57.2400% | 2,940 |
| Net loans and leases to deposits | 66.1784% | 2,920 |
| Net loans and leases to core deposits | 66.5671% | 3,181 |
| Total domestic deposits to total assets | 86.5000% | 2,445 |
| Equity capital to assets | 12.8957% | 780 |
| Core capital (leverage) ratio | 14.9438% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,165,855,000 | 524 |
| Average earning assets | $2,041,196,000 | 509 |
| Average equity | $273,369,500 | 427 |
| Average total loans | $1,239,248,500 | 608 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6310% | 4,442 |
| Cost of funding earning assets | 0.1927% | 3,818 |
| Net interest margin | 2.4382% | 4,338 |
| Noninterest income to average assets | 0.9000% | 783 |
| Noninterest expense to average assets | 2.3138% | 2,681 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.6537% | 3,749 |
| Return on assets (ROA) | 0.6537% | 3,699 |
| Pretax return on assets | 0.8712% | 3,428 |
| Return on Equity (ROE) | 5.1100% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.1093% | 2,998 |
| Net charge-offs to loans | 0.0354% | 1,375 |
| Credit loss provision to net charge-offs | 91.3953% | 1,626 |
| Earnings coverage of net charge-offs (x) | 45.7093% | 1,424 |
| Efficiency ratio | 72.2442% | 1,413 |
| Assets per employee ($millions) | 8.2849% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4678% | 4,467 |
| Loan loss allowance to noncurrent loans | 482.7903% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 3,253 |
| Noncurrent loans to loans | 0.0969% | 3,070 |
| Net loans and leases to total assets | 56.6500% | 2,951 |
| Net loans and leases to deposits | 65.2784% | 2,933 |
| Net loans and leases to core deposits | 65.6875% | 3,149 |
| Total domestic deposits to total assets | 86.7800% | 2,465 |
| Equity capital to assets | 12.3491% | 835 |
| Core capital (leverage) ratio | 14.7192% | 604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,211,080,000 | 507 |
| Average earning assets | $2,088,346,000 | 489 |
| Average equity | $282,896,200 | 399 |
| Average total loans | $1,215,354,000 | 575 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5251% | 4,434 |
| Cost of funding earning assets | 0.1440% | 3,901 |
| Net interest margin | 2.3812% | 4,348 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.2611% | 2,750 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.6533% | 3,688 |
| Return on assets (ROA) | 0.6533% | 3,645 |
| Pretax return on assets | 0.8772% | 3,387 |
| Return on Equity (ROE) | 5.0600% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.0628% | 3,079 |
| Net charge-offs to loans | 0.0327% | 1,196 |
| Credit loss provision to net charge-offs | 55.2189% | 1,509 |
| Earnings coverage of net charge-offs (x) | 49.7576% | 1,288 |
| Efficiency ratio | 71.8230% | 1,539 |
| Assets per employee ($millions) | 8.5248% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4625% | 4,508 |
| Loan loss allowance to noncurrent loans | 531.6183% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 3,405 |
| Noncurrent loans to loans | 0.0870% | 3,256 |
| Net loans and leases to total assets | 56.0500% | 2,897 |
| Net loans and leases to deposits | 64.2322% | 2,851 |
| Net loans and leases to core deposits | 64.6619% | 3,059 |
| Total domestic deposits to total assets | 87.2600% | 2,677 |
| Equity capital to assets | 12.0923% | 868 |
| Core capital (leverage) ratio | 14.4156% | 622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,221,189,750 | 503 |
| Average earning assets | $2,099,653,750 | 488 |
| Average equity | $286,606,750 | 398 |
| Average total loans | $1,210,341,250 | 568 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4107% | 4,451 |
| Cost of funding earning assets | 0.1421% | 3,681 |
| Net interest margin | 2.2686% | 4,363 |
| Noninterest income to average assets | 0.9397% | 771 |
| Noninterest expense to average assets | 2.2000% | 2,859 |
| Loan and lease loss provision to assets | -0.0049% | 4,378 |
| Net operating income to assets | 0.6594% | 3,444 |
| Return on assets (ROA) | 0.6594% | 3,393 |
| Pretax return on assets | 0.8912% | 3,098 |
| Return on Equity (ROE) | 5.0079% | 3,816 |
| Retained earnings to average equity (ytd only) | 5.0079% | 2,706 |
| Net charge-offs to loans | 0.0349% | 1,042 |
| Credit loss provision to net charge-offs | -26.1905% | 2,997 |
| Earnings coverage of net charge-offs (x) | 47.1429% | 1,187 |
| Efficiency ratio | 71.2835% | 1,796 |
| Assets per employee ($millions) | 8.7516% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4586% | 4,584 |
| Loan loss allowance to noncurrent loans | 506.9406% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,498 |
| Noncurrent loans to loans | 0.0905% | 3,318 |
| Net loans and leases to total assets | 54.4133% | 2,920 |
| Net loans and leases to deposits | 62.8747% | 2,819 |
| Net loans and leases to core deposits | 63.2908% | 3,019 |
| Total domestic deposits to total assets | 86.5426% | 3,095 |
| Equity capital to assets | 12.6667% | 727 |
| Core capital (leverage) ratio | 14.1922% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,234,133,000 | 499 |
| Average earning assets | $2,113,943,000 | 489 |
| Average equity | $294,176,667 | 396 |
| Average total loans | $1,204,187,000 | 563 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3411% | 4,424 |
| Cost of funding earning assets | 0.1423% | 3,598 |
| Net interest margin | 2.1988% | 4,352 |
| Noninterest income to average assets | 0.9197% | 810 |
| Noninterest expense to average assets | 2.2341% | 2,736 |
| Loan and lease loss provision to assets | -0.0212% | 4,451 |
| Net operating income to assets | 0.5868% | 3,436 |
| Return on assets (ROA) | 0.5868% | 3,423 |
| Pretax return on assets | 0.7893% | 3,140 |
| Return on Equity (ROE) | 4.3742% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.3742% | 2,811 |
| Net charge-offs to loans | 0.0266% | 1,053 |
| Credit loss provision to net charge-offs | -148.7500% | 2,929 |
| Earnings coverage of net charge-offs (x) | 53.8625% | 897 |
| Efficiency ratio | 74.4167% | 1,695 |
| Assets per employee ($millions) | 8.7402% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4685% | 4,612 |
| Loan loss allowance to noncurrent loans | 489.2857% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,536 |
| Noncurrent loans to loans | 0.0958% | 3,364 |
| Net loans and leases to total assets | 52.7112% | 2,917 |
| Net loans and leases to deposits | 60.9326% | 2,816 |
| Net loans and leases to core deposits | 61.3257% | 3,038 |
| Total domestic deposits to total assets | 86.5074% | 3,101 |
| Equity capital to assets | 12.8090% | 734 |
| Core capital (leverage) ratio | 14.2005% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,244,126,500 | 500 |
| Average earning assets | $2,125,358,000 | 487 |
| Average equity | $301,035,500 | 397 |
| Average total loans | $1,201,109,500 | 562 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6867% | 4,326 |
| Cost of funding earning assets | 0.1734% | 3,742 |
| Net interest margin | 2.5133% | 4,173 |
| Noninterest income to average assets | 1.1783% | 765 |
| Noninterest expense to average assets | 2.3854% | 2,534 |
| Loan and lease loss provision to assets | -0.0339% | 4,286 |
| Net operating income to assets | 0.8927% | 3,070 |
| Return on assets (ROA) | 0.8927% | 3,128 |
| Pretax return on assets | 1.2096% | 2,631 |
| Return on Equity (ROE) | 6.1508% | 3,740 |
| Retained earnings to average equity (ytd only) | 6.1508% | 2,292 |
| Net charge-offs to loans | 0.0364% | 1,521 |
| Credit loss provision to net charge-offs | -162.8959% | 3,469 |
| Earnings coverage of net charge-offs (x) | 56.5656% | 1,218 |
| Efficiency ratio | 66.9849% | 2,129 |
| Assets per employee ($millions) | 8.5889% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4833% | 4,640 |
| Loan loss allowance to noncurrent loans | 528.2470% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,643 |
| Noncurrent loans to loans | 0.0915% | 3,465 |
| Net loans and leases to total assets | 53.8339% | 2,870 |
| Net loans and leases to deposits | 63.2018% | 2,763 |
| Net loans and leases to core deposits | 63.6259% | 3,015 |
| Total domestic deposits to total assets | 85.1777% | 3,213 |
| Equity capital to assets | 14.0304% | 656 |
| Core capital (leverage) ratio | 14.4680% | 544 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,126,537,000 | 502 |
| Average earning assets | $2,016,112,600 | 494 |
| Average equity | $308,627,000 | 391 |
| Average total loans | $1,213,359,800 | 558 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7522% | 4,358 |
| Cost of funding earning assets | 0.1822% | 3,788 |
| Net interest margin | 2.5700% | 4,177 |
| Noninterest income to average assets | 1.1834% | 817 |
| Noninterest expense to average assets | 2.3443% | 2,614 |
| Loan and lease loss provision to assets | 0.0008% | 2,952 |
| Net operating income to assets | 0.9332% | 3,138 |
| Return on assets (ROA) | 0.9332% | 3,216 |
| Pretax return on assets | 1.2745% | 2,692 |
| Return on Equity (ROE) | 6.3737% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.3737% | 2,663 |
| Net charge-offs to loans | 0.0200% | 1,651 |
| Credit loss provision to net charge-offs | 6.5934% | 2,032 |
| Earnings coverage of net charge-offs (x) | 110.4670% | 815 |
| Efficiency ratio | 64.7676% | 2,280 |
| Assets per employee ($millions) | 8.1918% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 4,659 |
| Loan loss allowance to noncurrent loans | 556.2092% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 3,743 |
| Noncurrent loans to loans | 0.1013% | 3,576 |
| Net loans and leases to total assets | 55.5403% | 2,782 |
| Net loans and leases to deposits | 65.5995% | 2,667 |
| Net loans and leases to core deposits | 65.9871% | 2,957 |
| Total domestic deposits to total assets | 84.6658% | 3,241 |
| Equity capital to assets | 14.4553% | 646 |
| Core capital (leverage) ratio | 14.4768% | 562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,102,039,000 | 511 |
| Average earning assets | $1,992,569,250 | 499 |
| Average equity | $307,756,250 | 394 |
| Average total loans | $1,215,858,250 | 571 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7958% | 4,344 |
| Cost of funding earning assets | 0.1963% | 3,790 |
| Net interest margin | 2.5994% | 4,171 |
| Noninterest income to average assets | 1.0897% | 940 |
| Noninterest expense to average assets | 2.3757% | 2,542 |
| Loan and lease loss provision to assets | -0.0098% | 4,407 |
| Net operating income to assets | 0.8681% | 3,310 |
| Return on assets (ROA) | 0.8973% | 3,311 |
| Pretax return on assets | 1.2232% | 2,847 |
| Return on Equity (ROE) | 6.1018% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,760 |
| Net charge-offs to loans | 0.0153% | 1,643 |
| Credit loss provision to net charge-offs | -109.6774% | 3,074 |
| Earnings coverage of net charge-offs (x) | 131.6882% | 640 |
| Efficiency ratio | 66.8785% | 2,030 |
| Assets per employee ($millions) | 7.9765% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5593% | 4,694 |
| Loan loss allowance to noncurrent loans | 500.5904% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,799 |
| Noncurrent loans to loans | 0.1117% | 3,631 |
| Net loans and leases to total assets | 56.4169% | 2,853 |
| Net loans and leases to deposits | 66.7159% | 2,754 |
| Net loans and leases to core deposits | 67.1265% | 3,028 |
| Total domestic deposits to total assets | 84.5629% | 3,265 |
| Equity capital to assets | 14.5046% | 615 |
| Core capital (leverage) ratio | 14.3096% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,081,844,333 | 508 |
| Average earning assets | $1,972,196,667 | 499 |
| Average equity | $306,137,333 | 393 |
| Average total loans | $1,218,499,333 | 564 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8437% | 4,322 |
| Cost of funding earning assets | 0.2074% | 3,848 |
| Net interest margin | 2.6362% | 4,084 |
| Noninterest income to average assets | 1.0493% | 1,059 |
| Noninterest expense to average assets | 2.3584% | 2,630 |
| Loan and lease loss provision to assets | 0.0144% | 2,596 |
| Net operating income to assets | 0.8598% | 3,234 |
| Return on assets (ROA) | 0.8598% | 3,317 |
| Pretax return on assets | 1.1714% | 2,922 |
| Return on Equity (ROE) | 5.8059% | 3,915 |
| Retained earnings to average equity (ytd only) | 5.8059% | 2,960 |
| Net charge-offs to loans | 0.0219% | 1,296 |
| Credit loss provision to net charge-offs | 110.4478% | 1,071 |
| Earnings coverage of net charge-offs (x) | 90.8806% | 651 |
| Efficiency ratio | 66.5421% | 2,153 |
| Assets per employee ($millions) | 7.9988% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5710% | 4,715 |
| Loan loss allowance to noncurrent loans | 585.0084% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 3,976 |
| Noncurrent loans to loans | 0.0976% | 3,818 |
| Net loans and leases to total assets | 56.9510% | 2,916 |
| Net loans and leases to deposits | 66.9681% | 2,814 |
| Net loans and leases to core deposits | 67.3505% | 3,126 |
| Total domestic deposits to total assets | 85.0420% | 3,075 |
| Equity capital to assets | 14.1637% | 634 |
| Core capital (leverage) ratio | 14.8723% | 500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,053,921,000 | 508 |
| Average earning assets | $1,943,833,000 | 496 |
| Average equity | $304,174,500 | 388 |
| Average total loans | $1,221,348,000 | 562 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 4,437 |
| Cost of funding earning assets | 0.3351% | 3,948 |
| Net interest margin | 2.8794% | 4,145 |
| Noninterest income to average assets | 1.4619% | 566 |
| Noninterest expense to average assets | 2.7252% | 2,156 |
| Loan and lease loss provision to assets | 0.1621% | 2,347 |
| Net operating income to assets | 0.9485% | 2,486 |
| Return on assets (ROA) | 0.9485% | 2,634 |
| Pretax return on assets | 1.2864% | 2,025 |
| Return on Equity (ROE) | 5.8818% | 3,620 |
| Retained earnings to average equity (ytd only) | 5.8818% | 1,853 |
| Net charge-offs to loans | 0.0455% | 2,153 |
| Credit loss provision to net charge-offs | 565.4580% | 1,153 |
| Earnings coverage of net charge-offs (x) | 50.5210% | 1,191 |
| Efficiency ratio | 65.2945% | 2,637 |
| Assets per employee ($millions) | 7.2506% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 4,736 |
| Loan loss allowance to noncurrent loans | 359.6907% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 3,819 |
| Noncurrent loans to loans | 0.1591% | 3,642 |
| Net loans and leases to total assets | 61.4778% | 2,666 |
| Net loans and leases to deposits | 73.4799% | 2,538 |
| Net loans and leases to core deposits | 73.9701% | 2,918 |
| Total domestic deposits to total assets | 83.6662% | 3,211 |
| Equity capital to assets | 15.5088% | 486 |
| Core capital (leverage) ratio | 15.4543% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,827,629,400 | 520 |
| Average earning assets | $1,721,182,000 | 509 |
| Average equity | $294,723,400 | 374 |
| Average total loans | $1,150,542,600 | 560 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2583% | 4,528 |
| Cost of funding earning assets | 0.3631% | 3,987 |
| Net interest margin | 2.8952% | 4,191 |
| Noninterest income to average assets | 1.2745% | 671 |
| Noninterest expense to average assets | 2.7120% | 2,229 |
| Loan and lease loss provision to assets | 0.1293% | 2,731 |
| Net operating income to assets | 0.8653% | 2,842 |
| Return on assets (ROA) | 0.8653% | 2,978 |
| Pretax return on assets | 1.1574% | 2,540 |
| Return on Equity (ROE) | 5.3101% | 3,788 |
| Retained earnings to average equity (ytd only) | 5.3101% | 2,426 |
| Net charge-offs to loans | 0.0451% | 1,981 |
| Credit loss provision to net charge-offs | 453.5248% | 1,359 |
| Earnings coverage of net charge-offs (x) | 45.1384% | 1,267 |
| Efficiency ratio | 67.8231% | 2,215 |
| Assets per employee ($millions) | 7.1018% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4920% | 4,821 |
| Loan loss allowance to noncurrent loans | 536.7031% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0669% | 4,104 |
| Noncurrent loans to loans | 0.0917% | 4,000 |
| Net loans and leases to total assets | 62.6220% | 2,929 |
| Net loans and leases to deposits | 75.1901% | 2,829 |
| Net loans and leases to core deposits | 75.7126% | 3,194 |
| Total domestic deposits to total assets | 83.2850% | 3,067 |
| Equity capital to assets | 15.8211% | 491 |
| Core capital (leverage) ratio | 15.5398% | 461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,791,499,250 | 522 |
| Average earning assets | $1,685,644,250 | 508 |
| Average equity | $291,940,250 | 369 |
| Average total loans | $1,133,325,000 | 559 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3057% | 4,641 |
| Cost of funding earning assets | 0.3944% | 4,057 |
| Net interest margin | 2.9114% | 4,291 |
| Noninterest income to average assets | 1.0408% | 916 |
| Noninterest expense to average assets | 2.7764% | 2,145 |
| Loan and lease loss provision to assets | 0.1266% | 2,760 |
| Net operating income to assets | 0.6608% | 3,548 |
| Return on assets (ROA) | 0.6608% | 3,637 |
| Pretax return on assets | 0.8732% | 3,392 |
| Return on Equity (ROE) | 4.0127% | 4,101 |
| Retained earnings to average equity (ytd only) | 4.0127% | 2,896 |
| Net charge-offs to loans | 0.0559% | 1,698 |
| Credit loss provision to net charge-offs | 356.9132% | 1,498 |
| Earnings coverage of net charge-offs (x) | 28.1961% | 1,472 |
| Efficiency ratio | 73.5244% | 1,508 |
| Assets per employee ($millions) | 7.0012% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4616% | 4,865 |
| Loan loss allowance to noncurrent loans | 521.7986% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 4,212 |
| Noncurrent loans to loans | 0.0885% | 4,105 |
| Net loans and leases to total assets | 61.5829% | 3,164 |
| Net loans and leases to deposits | 73.9049% | 3,083 |
| Net loans and leases to core deposits | 74.4013% | 3,425 |
| Total domestic deposits to total assets | 83.3273% | 2,986 |
| Equity capital to assets | 15.7919% | 493 |
| Core capital (leverage) ratio | 15.8204% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,754,235,333 | 524 |
| Average earning assets | $1,648,163,000 | 511 |
| Average equity | $288,879,667 | 370 |
| Average total loans | $1,111,842,667 | 564 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 4,745 |
| Cost of funding earning assets | 0.4233% | 4,264 |
| Net interest margin | 2.9641% | 4,342 |
| Noninterest income to average assets | 0.6754% | 1,751 |
| Noninterest expense to average assets | 2.9566% | 1,995 |
| Loan and lease loss provision to assets | 0.1523% | 1,874 |
| Net operating income to assets | 0.2808% | 4,385 |
| Return on assets (ROA) | 0.2808% | 4,405 |
| Pretax return on assets | 0.3449% | 4,386 |
| Return on Equity (ROE) | 1.6674% | 4,516 |
| Retained earnings to average equity (ytd only) | 1.6674% | 3,559 |
| Net charge-offs to loans | 0.0771% | 1,254 |
| Credit loss provision to net charge-offs | 307.6190% | 1,160 |
| Earnings coverage of net charge-offs (x) | 10.0429% | 1,789 |
| Efficiency ratio | 85.6041% | 726 |
| Assets per employee ($millions) | 6.2903% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4562% | 4,915 |
| Loan loss allowance to noncurrent loans | 421.6102% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 4,213 |
| Noncurrent loans to loans | 0.1082% | 4,084 |
| Net loans and leases to total assets | 62.9799% | 3,191 |
| Net loans and leases to deposits | 76.5090% | 3,028 |
| Net loans and leases to core deposits | 77.0763% | 3,425 |
| Total domestic deposits to total assets | 82.3169% | 3,327 |
| Equity capital to assets | 16.8075% | 466 |
| Core capital (leverage) ratio | 16.7649% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,696,687,000 | 525 |
| Average earning assets | $1,590,366,500 | 512 |
| Average equity | $285,718,000 | 374 |
| Average total loans | $1,089,500,500 | 553 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5168% | 4,846 |
| Cost of funding earning assets | 0.4104% | 4,412 |
| Net interest margin | 3.1065% | 4,351 |
| Noninterest income to average assets | 1.1056% | 782 |
| Noninterest expense to average assets | 2.8696% | 2,378 |
| Loan and lease loss provision to assets | 0.0610% | 2,816 |
| Net operating income to assets | 0.8163% | 3,507 |
| Return on assets (ROA) | 0.8163% | 3,596 |
| Pretax return on assets | 1.0841% | 3,223 |
| Return on Equity (ROE) | 4.9827% | 4,213 |
| Retained earnings to average equity (ytd only) | 4.9827% | 2,429 |
| Net charge-offs to loans | 0.0629% | 2,199 |
| Credit loss provision to net charge-offs | 151.4925% | 1,684 |
| Earnings coverage of net charge-offs (x) | 28.4328% | 1,628 |
| Efficiency ratio | 71.4773% | 1,945 |
| Assets per employee ($millions) | 6.0501% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4170% | 4,976 |
| Loan loss allowance to noncurrent loans | 497.1522% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.0652% | 4,299 |
| Noncurrent loans to loans | 0.0839% | 4,183 |
| Net loans and leases to total assets | 64.9169% | 3,084 |
| Net loans and leases to deposits | 78.9275% | 2,910 |
| Net loans and leases to core deposits | 79.5472% | 3,338 |
| Total domestic deposits to total assets | 82.2488% | 3,438 |
| Equity capital to assets | 16.8731% | 485 |
| Core capital (leverage) ratio | 16.9241% | 422 |
| Tier 1 risk-based capital ratio | 28.8229% | 523 |
| Total risk-based capital ratio | 29.3280% | 544 |
| Memoranda: | ||
| Average total assets | $1,663,603,200 | 512 |
| Average earning assets | $1,557,908,600 | 496 |
| Average equity | $272,542,200 | 373 |
| Average total loans | $1,064,665,200 | 544 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5154% | 4,949 |
| Cost of funding earning assets | 0.4047% | 4,489 |
| Net interest margin | 3.1107% | 4,460 |
| Noninterest income to average assets | 1.0158% | 908 |
| Noninterest expense to average assets | 2.8598% | 2,377 |
| Loan and lease loss provision to assets | 0.0491% | 2,915 |
| Net operating income to assets | 0.7733% | 3,759 |
| Return on assets (ROA) | 0.7733% | 3,829 |
| Pretax return on assets | 1.0199% | 3,526 |
| Return on Equity (ROE) | 4.7561% | 4,400 |
| Retained earnings to average equity (ytd only) | 4.7561% | 3,023 |
| Net charge-offs to loans | 0.0649% | 1,893 |
| Credit loss provision to net charge-offs | 118.8350% | 1,969 |
| Earnings coverage of net charge-offs (x) | 25.8757% | 1,759 |
| Efficiency ratio | 72.7902% | 1,729 |
| Assets per employee ($millions) | 6.0450% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3983% | 5,066 |
| Loan loss allowance to noncurrent loans | 568.3444% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 4,270 |
| Noncurrent loans to loans | 0.0701% | 4,319 |
| Net loans and leases to total assets | 64.5466% | 3,234 |
| Net loans and leases to deposits | 78.3379% | 3,064 |
| Net loans and leases to core deposits | 78.9343% | 3,474 |
| Total domestic deposits to total assets | 82.3951% | 3,359 |
| Equity capital to assets | 16.7443% | 513 |
| Core capital (leverage) ratio | 16.6912% | 474 |
| Tier 1 risk-based capital ratio | 28.5316% | 540 |
| Total risk-based capital ratio | 29.0025% | 579 |
| Memoranda: | ||
| Average total assets | $1,662,047,000 | 514 |
| Average earning assets | $1,556,375,000 | 495 |
| Average equity | $270,240,000 | 379 |
| Average total loans | $1,058,696,750 | 543 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4846% | 5,019 |
| Cost of funding earning assets | 0.3959% | 4,528 |
| Net interest margin | 3.0887% | 4,554 |
| Noninterest income to average assets | 1.0274% | 828 |
| Noninterest expense to average assets | 2.8815% | 2,329 |
| Loan and lease loss provision to assets | 0.0380% | 3,052 |
| Net operating income to assets | 0.7596% | 3,795 |
| Return on assets (ROA) | 0.7596% | 3,860 |
| Pretax return on assets | 1.0014% | 3,543 |
| Return on Equity (ROE) | 4.7186% | 4,416 |
| Retained earnings to average equity (ytd only) | 4.7186% | 2,908 |
| Net charge-offs to loans | 0.0595% | 1,797 |
| Credit loss provision to net charge-offs | 100.9585% | 1,950 |
| Earnings coverage of net charge-offs (x) | 27.5942% | 1,535 |
| Efficiency ratio | 73.4907% | 1,701 |
| Assets per employee ($millions) | 6.0215% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3944% | 5,111 |
| Loan loss allowance to noncurrent loans | 252.2236% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 4,108 |
| Noncurrent loans to loans | 0.1564% | 3,978 |
| Net loans and leases to total assets | 64.0047% | 3,341 |
| Net loans and leases to deposits | 77.4907% | 3,193 |
| Net loans and leases to core deposits | 78.1219% | 3,570 |
| Total domestic deposits to total assets | 82.5966% | 3,335 |
| Equity capital to assets | 16.5341% | 526 |
| Core capital (leverage) ratio | 16.4627% | 491 |
| Tier 1 risk-based capital ratio | 28.3445% | 551 |
| Total risk-based capital ratio | 28.8075% | 569 |
| Memoranda: | ||
| Average total assets | $1,661,938,670 | 510 |
| Average earning assets | $1,556,903,330 | 493 |
| Average equity | $267,536,000 | 380 |
| Average total loans | $1,052,497,330 | 547 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4536% | 5,078 |
| Cost of funding earning assets | 0.3825% | 4,564 |
| Net interest margin | 3.0711% | 4,635 |
| Noninterest income to average assets | 0.9963% | 818 |
| Noninterest expense to average assets | 2.8729% | 2,350 |
| Loan and lease loss provision to assets | 0.0250% | 3,104 |
| Net operating income to assets | 0.7402% | 3,802 |
| Return on assets (ROA) | 0.7402% | 3,853 |
| Pretax return on assets | 0.9766% | 3,518 |
| Return on Equity (ROE) | 4.6610% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.6610% | 3,054 |
| Net charge-offs to loans | 0.0363% | 1,749 |
| Credit loss provision to net charge-offs | 109.4737% | 1,500 |
| Earnings coverage of net charge-offs (x) | 43.8842% | 1,096 |
| Efficiency ratio | 74.1489% | 1,742 |
| Assets per employee ($millions) | 6.1414% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4009% | 5,175 |
| Loan loss allowance to noncurrent loans | 363.2671% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,408 |
| Noncurrent loans to loans | 0.1104% | 4,240 |
| Net loans and leases to total assets | 62.0505% | 3,494 |
| Net loans and leases to deposits | 74.4867% | 3,406 |
| Net loans and leases to core deposits | 75.0536% | 3,733 |
| Total domestic deposits to total assets | 83.3042% | 3,280 |
| Equity capital to assets | 15.8886% | 590 |
| Core capital (leverage) ratio | 16.3145% | 494 |
| Tier 1 risk-based capital ratio | 28.1286% | 551 |
| Total risk-based capital ratio | 28.5927% | 587 |
| Memoranda: | ||
| Average total assets | $1,664,956,000 | 510 |
| Average earning assets | $1,560,346,500 | 494 |
| Average equity | $264,409,500 | 383 |
| Average total loans | $1,046,719,500 | 555 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,963 |
| Cost of funding earning assets | 0.2514% | 4,797 |
| Net interest margin | 3.2002% | 4,484 |
| Noninterest income to average assets | 1.3381% | 512 |
| Noninterest expense to average assets | 2.9195% | 2,280 |
| Loan and lease loss provision to assets | 0.0240% | 3,691 |
| Net operating income to assets | 1.0271% | 2,900 |
| Return on assets (ROA) | 1.0271% | 2,886 |
| Pretax return on assets | 1.3878% | 2,183 |
| Return on Equity (ROE) | 6.7054% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.7054% | 1,817 |
| Net charge-offs to loans | 0.1010% | 1,751 |
| Credit loss provision to net charge-offs | 38.1924% | 3,296 |
| Earnings coverage of net charge-offs (x) | 22.4830% | 1,899 |
| Efficiency ratio | 67.4054% | 2,638 |
| Assets per employee ($millions) | 5.9038% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4013% | 5,212 |
| Loan loss allowance to noncurrent loans | 321.6258% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,423 |
| Noncurrent loans to loans | 0.1248% | 4,170 |
| Net loans and leases to total assets | 63.1928% | 3,443 |
| Net loans and leases to deposits | 75.8909% | 3,355 |
| Net loans and leases to core deposits | 76.5943% | 3,671 |
| Total domestic deposits to total assets | 83.2679% | 3,236 |
| Equity capital to assets | 15.8730% | 554 |
| Core capital (leverage) ratio | 16.3277% | 475 |
| Tier 1 risk-based capital ratio | 27.8156% | 574 |
| Total risk-based capital ratio | 28.2778% | 602 |
| Memoranda: | ||
| Average total assets | $1,638,717,800 | 498 |
| Average earning assets | $1,532,722,000 | 487 |
| Average equity | $251,006,000 | 386 |
| Average total loans | $1,018,974,800 | 550 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4471% | 4,983 |
| Cost of funding earning assets | 0.2291% | 4,895 |
| Net interest margin | 3.2180% | 4,480 |
| Noninterest income to average assets | 1.1053% | 775 |
| Noninterest expense to average assets | 2.8909% | 2,328 |
| Loan and lease loss provision to assets | 0.0380% | 3,247 |
| Net operating income to assets | 0.8764% | 3,636 |
| Return on assets (ROA) | 0.8764% | 3,641 |
| Pretax return on assets | 1.1861% | 3,043 |
| Return on Equity (ROE) | 5.7746% | 4,332 |
| Retained earnings to average equity (ytd only) | 5.7746% | 2,773 |
| Net charge-offs to loans | 0.0968% | 1,526 |
| Credit loss provision to net charge-offs | 63.5374% | 2,708 |
| Earnings coverage of net charge-offs (x) | 20.4434% | 1,959 |
| Efficiency ratio | 70.2520% | 2,155 |
| Assets per employee ($millions) | 5.8533% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4493% | 5,242 |
| Loan loss allowance to noncurrent loans | 357.2435% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 4,364 |
| Noncurrent loans to loans | 0.1258% | 4,320 |
| Net loans and leases to total assets | 62.1181% | 3,647 |
| Net loans and leases to deposits | 74.1147% | 3,581 |
| Net loans and leases to core deposits | 74.7077% | 3,895 |
| Total domestic deposits to total assets | 83.8135% | 3,008 |
| Equity capital to assets | 15.4332% | 631 |
| Core capital (leverage) ratio | 15.8738% | 537 |
| Tier 1 risk-based capital ratio | 27.8337% | 579 |
| Total risk-based capital ratio | 28.3536% | 610 |
| Memoranda: | ||
| Average total assets | $1,636,606,750 | 495 |
| Average earning assets | $1,530,653,500 | 482 |
| Average equity | $248,394,000 | 387 |
| Average total loans | $1,012,448,250 | 552 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3981% | 5,044 |
| Cost of funding earning assets | 0.2074% | 4,995 |
| Net interest margin | 3.1907% | 4,527 |
| Noninterest income to average assets | 1.0826% | 819 |
| Noninterest expense to average assets | 2.9116% | 2,321 |
| Loan and lease loss provision to assets | 0.0335% | 3,248 |
| Net operating income to assets | 0.8304% | 3,752 |
| Return on assets (ROA) | 0.8304% | 3,755 |
| Pretax return on assets | 1.1231% | 3,218 |
| Return on Equity (ROE) | 5.5018% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.5018% | 2,825 |
| Net charge-offs to loans | 0.0807% | 1,522 |
| Credit loss provision to net charge-offs | 67.4020% | 2,375 |
| Earnings coverage of net charge-offs (x) | 23.2426% | 1,714 |
| Efficiency ratio | 71.5686% | 2,073 |
| Assets per employee ($millions) | 5.9121% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4615% | 5,307 |
| Loan loss allowance to noncurrent loans | 289.4023% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 4,156 |
| Noncurrent loans to loans | 0.1595% | 4,189 |
| Net loans and leases to total assets | 62.0821% | 3,590 |
| Net loans and leases to deposits | 73.8414% | 3,555 |
| Net loans and leases to core deposits | 74.3813% | 3,855 |
| Total domestic deposits to total assets | 84.0749% | 3,035 |
| Equity capital to assets | 15.2508% | 643 |
| Core capital (leverage) ratio | 15.5584% | 560 |
| Tier 1 risk-based capital ratio | 27.3439% | 592 |
| Total risk-based capital ratio | 27.8660% | 623 |
| Memoranda: | ||
| Average total assets | $1,639,734,000 | 494 |
| Average earning assets | $1,534,342,670 | 480 |
| Average equity | $247,481,000 | 387 |
| Average total loans | $1,011,476,330 | 553 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3419% | 5,078 |
| Cost of funding earning assets | 0.1869% | 5,091 |
| Net interest margin | 3.1550% | 4,591 |
| Noninterest income to average assets | 1.0398% | 841 |
| Noninterest expense to average assets | 2.8942% | 2,388 |
| Loan and lease loss provision to assets | 0.0217% | 3,249 |
| Net operating income to assets | 0.7965% | 3,714 |
| Return on assets (ROA) | 0.7965% | 3,724 |
| Pretax return on assets | 1.0778% | 3,249 |
| Return on Equity (ROE) | 5.3048% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.3048% | 3,036 |
| Net charge-offs to loans | 0.0809% | 1,324 |
| Credit loss provision to net charge-offs | 43.6275% | 1,991 |
| Earnings coverage of net charge-offs (x) | 22.1471% | 1,411 |
| Efficiency ratio | 72.4697% | 2,126 |
| Assets per employee ($millions) | 6.0860% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4694% | 5,370 |
| Loan loss allowance to noncurrent loans | 370.0942% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 4,502 |
| Noncurrent loans to loans | 0.1268% | 4,395 |
| Net loans and leases to total assets | 60.1710% | 3,738 |
| Net loans and leases to deposits | 71.1557% | 3,687 |
| Net loans and leases to core deposits | 71.6339% | 3,994 |
| Total domestic deposits to total assets | 84.5624% | 3,092 |
| Equity capital to assets | 14.8454% | 710 |
| Core capital (leverage) ratio | 15.5288% | 549 |
| Tier 1 risk-based capital ratio | 27.4619% | 591 |
| Total risk-based capital ratio | 27.9954% | 616 |
| Memoranda: | ||
| Average total assets | $1,643,727,500 | 499 |
| Average earning assets | $1,538,887,500 | 485 |
| Average equity | $246,794,500 | 392 |
| Average total loans | $1,008,354,500 | 557 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3253% | 5,052 |
| Cost of funding earning assets | 0.2074% | 4,888 |
| Net interest margin | 3.1179% | 4,653 |
| Noninterest income to average assets | 1.1058% | 834 |
| Noninterest expense to average assets | 2.8129% | 2,727 |
| Loan and lease loss provision to assets | 0.0468% | 3,293 |
| Net operating income to assets | 0.7715% | 3,295 |
| Return on assets (ROA) | 0.7367% | 3,484 |
| Pretax return on assets | 1.1146% | 3,125 |
| Return on Equity (ROE) | 4.9372% | 4,186 |
| Retained earnings to average equity (ytd only) | 4.9372% | 2,162 |
| Net charge-offs to loans | 0.0882% | 2,213 |
| Credit loss provision to net charge-offs | 86.8421% | 2,840 |
| Earnings coverage of net charge-offs (x) | 22.5469% | 1,845 |
| Efficiency ratio | 69.8528% | 2,581 |
| Assets per employee ($millions) | 5.9343% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4771% | 5,410 |
| Loan loss allowance to noncurrent loans | 373.8390% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 4,487 |
| Noncurrent loans to loans | 0.1276% | 4,415 |
| Net loans and leases to total assets | 61.9588% | 3,629 |
| Net loans and leases to deposits | 73.6903% | 3,542 |
| Net loans and leases to core deposits | 74.3262% | 3,857 |
| Total domestic deposits to total assets | 84.0800% | 3,169 |
| Equity capital to assets | 15.1869% | 644 |
| Core capital (leverage) ratio | 15.3994% | 556 |
| Tier 1 risk-based capital ratio | 26.8653% | 599 |
| Total risk-based capital ratio | 27.4056% | 648 |
| Memoranda: | ||
| Average total assets | $1,623,234,800 | 486 |
| Average earning assets | $1,520,795,200 | 469 |
| Average equity | $242,220,000 | 385 |
| Average total loans | $990,413,600 | 548 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3118% | 5,106 |
| Cost of funding earning assets | 0.2131% | 4,867 |
| Net interest margin | 3.0986% | 4,718 |
| Noninterest income to average assets | 1.0913% | 855 |
| Noninterest expense to average assets | 2.7822% | 2,789 |
| Loan and lease loss provision to assets | 0.0265% | 3,598 |
| Net operating income to assets | 0.7887% | 3,566 |
| Return on assets (ROA) | 0.7887% | 3,624 |
| Pretax return on assets | 1.1869% | 2,958 |
| Return on Equity (ROE) | 5.3091% | 4,407 |
| Retained earnings to average equity (ytd only) | 5.3091% | 2,673 |
| Net charge-offs to loans | 0.0705% | 2,117 |
| Credit loss provision to net charge-offs | 61.9962% | 2,784 |
| Earnings coverage of net charge-offs (x) | 28.3435% | 1,611 |
| Efficiency ratio | 69.6308% | 2,598 |
| Assets per employee ($millions) | 5.8687% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4758% | 5,498 |
| Loan loss allowance to noncurrent loans | 384.3725% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1267% | 4,612 |
| Noncurrent loans to loans | 0.1238% | 4,561 |
| Net loans and leases to total assets | 60.8631% | 3,780 |
| Net loans and leases to deposits | 72.2623% | 3,741 |
| Net loans and leases to core deposits | 72.9018% | 4,074 |
| Total domestic deposits to total assets | 84.2252% | 3,031 |
| Equity capital to assets | 15.0966% | 714 |
| Core capital (leverage) ratio | 15.1671% | 628 |
| Tier 1 risk-based capital ratio | 26.8082% | 629 |
| Total risk-based capital ratio | 27.3458% | 657 |
| Memoranda: | ||
| Average total assets | $1,622,547,000 | 486 |
| Average earning assets | $1,520,797,250 | 475 |
| Average equity | $241,040,750 | 388 |
| Average total loans | $984,949,000 | 554 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 5,123 |
| Cost of funding earning assets | 0.2240% | 4,768 |
| Net interest margin | 3.0659% | 4,757 |
| Noninterest income to average assets | 1.0784% | 858 |
| Noninterest expense to average assets | 2.8030% | 2,752 |
| Loan and lease loss provision to assets | 0.0153% | 3,649 |
| Net operating income to assets | 0.7560% | 3,608 |
| Return on assets (ROA) | 0.7560% | 3,661 |
| Pretax return on assets | 1.1338% | 3,036 |
| Return on Equity (ROE) | 5.1168% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.1168% | 2,630 |
| Net charge-offs to loans | 0.0679% | 1,956 |
| Credit loss provision to net charge-offs | 37.2372% | 2,666 |
| Earnings coverage of net charge-offs (x) | 27.9429% | 1,523 |
| Efficiency ratio | 70.9246% | 2,524 |
| Assets per employee ($millions) | 5.8969% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4787% | 5,537 |
| Loan loss allowance to noncurrent loans | 419.8582% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 4,712 |
| Noncurrent loans to loans | 0.1140% | 4,664 |
| Net loans and leases to total assets | 60.7135% | 3,767 |
| Net loans and leases to deposits | 71.9887% | 3,741 |
| Net loans and leases to core deposits | 72.6204% | 4,046 |
| Total domestic deposits to total assets | 84.3376% | 3,073 |
| Equity capital to assets | 14.9692% | 708 |
| Core capital (leverage) ratio | 14.9686% | 636 |
| Tier 1 risk-based capital ratio | 26.6722% | 628 |
| Total risk-based capital ratio | 27.2136% | 662 |
| Memoranda: | ||
| Average total assets | $1,619,567,670 | 489 |
| Average earning assets | $1,518,004,330 | 477 |
| Average equity | $239,288,330 | 390 |
| Average total loans | $980,692,330 | 555 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2764% | 5,140 |
| Cost of funding earning assets | 0.2560% | 4,486 |
| Net interest margin | 3.0204% | 4,851 |
| Noninterest income to average assets | 1.0212% | 965 |
| Noninterest expense to average assets | 2.8216% | 2,715 |
| Loan and lease loss provision to assets | 0.0054% | 3,489 |
| Net operating income to assets | 0.6880% | 3,755 |
| Return on assets (ROA) | 0.6880% | 3,792 |
| Pretax return on assets | 1.0254% | 3,259 |
| Return on Equity (ROE) | 4.6877% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.6877% | 3,061 |
| Net charge-offs to loans | 0.0926% | 1,424 |
| Credit loss provision to net charge-offs | 9.7345% | 2,226 |
| Earnings coverage of net charge-offs (x) | 18.4558% | 1,565 |
| Efficiency ratio | 73.2422% | 2,365 |
| Assets per employee ($millions) | 6.0188% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 5,606 |
| Loan loss allowance to noncurrent loans | 356.1983% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 4,751 |
| Noncurrent loans to loans | 0.1368% | 4,645 |
| Net loans and leases to total assets | 58.9057% | 3,894 |
| Net loans and leases to deposits | 69.4681% | 3,857 |
| Net loans and leases to core deposits | 70.0378% | 4,150 |
| Total domestic deposits to total assets | 84.7953% | 3,173 |
| Equity capital to assets | 14.5510% | 740 |
| Core capital (leverage) ratio | 13.8598% | 878 |
| Tier 1 risk-based capital ratio | 26.8977% | 630 |
| Total risk-based capital ratio | 27.4496% | 662 |
| Memoranda: | ||
| Average total assets | $1,618,528,000 | 491 |
| Average earning assets | $1,517,161,000 | 479 |
| Average equity | $237,559,000 | 390 |
| Average total loans | $976,391,000 | 558 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2069% | 5,292 |
| Cost of funding earning assets | 0.2136% | 4,895 |
| Net interest margin | 2.9933% | 4,971 |
| Noninterest income to average assets | 1.1531% | 857 |
| Noninterest expense to average assets | 2.8047% | 3,006 |
| Loan and lease loss provision to assets | 0.1009% | 2,357 |
| Net operating income to assets | 0.7181% | 3,701 |
| Return on assets (ROA) | 0.6742% | 4,008 |
| Pretax return on assets | 0.9869% | 3,522 |
| Return on Equity (ROE) | 4.5505% | 4,638 |
| Retained earnings to average equity (ytd only) | 4.5505% | 2,666 |
| Net charge-offs to loans | 0.0845% | 2,485 |
| Credit loss provision to net charge-offs | 196.1586% | 1,439 |
| Earnings coverage of net charge-offs (x) | 22.4052% | 1,735 |
| Efficiency ratio | 70.8780% | 2,766 |
| Assets per employee ($millions) | 5.8600% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5045% | 5,654 |
| Loan loss allowance to noncurrent loans | 307.9078% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 4,733 |
| Noncurrent loans to loans | 0.1639% | 4,577 |
| Net loans and leases to total assets | 61.1822% | 3,702 |
| Net loans and leases to deposits | 72.4281% | 3,668 |
| Net loans and leases to core deposits | 73.0723% | 4,002 |
| Total domestic deposits to total assets | 84.4730% | 3,244 |
| Equity capital to assets | 14.8078% | 673 |
| Core capital (leverage) ratio | 15.0485% | 593 |
| Tier 1 risk-based capital ratio | 26.5668% | 656 |
| Total risk-based capital ratio | 27.1391% | 686 |
| Memoranda: | ||
| Average total assets | $1,569,014,000 | 486 |
| Average earning assets | $1,469,765,000 | 473 |
| Average equity | $232,458,600 | 382 |
| Average total loans | $955,370,200 | 532 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1974% | 5,360 |
| Cost of funding earning assets | 0.2175% | 4,901 |
| Net interest margin | 2.9800% | 5,052 |
| Noninterest income to average assets | 1.0438% | 1,043 |
| Noninterest expense to average assets | 2.7977% | 3,018 |
| Loan and lease loss provision to assets | 0.0885% | 2,463 |
| Net operating income to assets | 0.6392% | 4,125 |
| Return on assets (ROA) | 0.6392% | 4,251 |
| Pretax return on assets | 0.9495% | 3,815 |
| Return on Equity (ROE) | 4.3137% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.3137% | 3,251 |
| Net charge-offs to loans | 0.0787% | 2,196 |
| Credit loss provision to net charge-offs | 185.1786% | 1,516 |
| Earnings coverage of net charge-offs (x) | 21.7249% | 1,806 |
| Efficiency ratio | 72.9392% | 2,445 |
| Assets per employee ($millions) | 5.8056% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4801% | 5,745 |
| Loan loss allowance to noncurrent loans | 291.4680% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 4,861 |
| Noncurrent loans to loans | 0.1647% | 4,698 |
| Net loans and leases to total assets | 60.9904% | 3,746 |
| Net loans and leases to deposits | 72.3883% | 3,765 |
| Net loans and leases to core deposits | 73.1119% | 4,073 |
| Total domestic deposits to total assets | 84.2546% | 3,123 |
| Equity capital to assets | 14.9447% | 752 |
| Core capital (leverage) ratio | 14.9677% | 644 |
| Tier 1 risk-based capital ratio | 26.8033% | 652 |
| Total risk-based capital ratio | 27.3567% | 689 |
| Memoranda: | ||
| Average total assets | $1,562,785,500 | 489 |
| Average earning assets | $1,464,144,000 | 474 |
| Average equity | $231,566,750 | 386 |
| Average total loans | $949,176,500 | 534 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1790% | 5,462 |
| Cost of funding earning assets | 0.2251% | 4,886 |
| Net interest margin | 2.9538% | 5,166 |
| Noninterest income to average assets | 1.0198% | 1,074 |
| Noninterest expense to average assets | 2.8260% | 2,935 |
| Loan and lease loss provision to assets | 0.1131% | 1,985 |
| Net operating income to assets | 0.5760% | 4,371 |
| Return on assets (ROA) | 0.5760% | 4,496 |
| Pretax return on assets | 0.8493% | 4,124 |
| Return on Equity (ROE) | 3.8985% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.8985% | 3,415 |
| Net charge-offs to loans | 0.0910% | 1,936 |
| Credit loss provision to net charge-offs | 205.3613% | 1,276 |
| Earnings coverage of net charge-offs (x) | 17.4685% | 1,873 |
| Efficiency ratio | 74.5957% | 2,276 |
| Assets per employee ($millions) | 5.8291% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4846% | 5,815 |
| Loan loss allowance to noncurrent loans | 271.8235% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,800 |
| Noncurrent loans to loans | 0.1783% | 4,721 |
| Net loans and leases to total assets | 61.2036% | 3,728 |
| Net loans and leases to deposits | 72.7397% | 3,725 |
| Net loans and leases to core deposits | 73.4646% | 4,037 |
| Total domestic deposits to total assets | 84.1406% | 3,215 |
| Equity capital to assets | 15.0698% | 715 |
| Core capital (leverage) ratio | 14.6681% | 675 |
| Tier 1 risk-based capital ratio | 26.6330% | 676 |
| Total risk-based capital ratio | 27.1872% | 709 |
| Memoranda: | ||
| Average total assets | $1,557,339,000 | 489 |
| Average earning assets | $1,459,657,670 | 474 |
| Average equity | $230,090,670 | 385 |
| Average total loans | $942,981,670 | 533 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1208% | 5,586 |
| Cost of funding earning assets | 0.2250% | 4,948 |
| Net interest margin | 2.8958% | 5,325 |
| Noninterest income to average assets | 1.0039% | 1,069 |
| Noninterest expense to average assets | 2.8458% | 2,905 |
| Loan and lease loss provision to assets | 0.1199% | 1,758 |
| Net operating income to assets | 0.5146% | 4,569 |
| Return on assets (ROA) | 0.5146% | 4,674 |
| Pretax return on assets | 0.7527% | 4,359 |
| Return on Equity (ROE) | 3.5181% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.5181% | 3,736 |
| Net charge-offs to loans | 0.1118% | 1,456 |
| Credit loss provision to net charge-offs | 178.6260% | 1,158 |
| Earnings coverage of net charge-offs (x) | 12.9962% | 1,758 |
| Efficiency ratio | 76.5318% | 2,101 |
| Assets per employee ($millions) | 5.9521% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4663% | 5,897 |
| Loan loss allowance to noncurrent loans | 174.7204% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 4,654 |
| Noncurrent loans to loans | 0.2669% | 4,481 |
| Net loans and leases to total assets | 58.9853% | 3,922 |
| Net loans and leases to deposits | 70.3917% | 3,826 |
| Net loans and leases to core deposits | 70.9807% | 4,158 |
| Total domestic deposits to total assets | 83.7959% | 3,599 |
| Equity capital to assets | 14.5576% | 823 |
| Core capital (leverage) ratio | 14.7454% | 655 |
| Tier 1 risk-based capital ratio | 26.6210% | 693 |
| Total risk-based capital ratio | 27.1495% | 729 |
| Memoranda: | ||
| Average total assets | $1,560,732,500 | 488 |
| Average earning assets | $1,463,072,500 | 473 |
| Average equity | $228,303,500 | 384 |
| Average total loans | $937,665,500 | 535 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1163% | 5,617 |
| Cost of funding earning assets | 0.2384% | 4,913 |
| Net interest margin | 2.8779% | 5,376 |
| Noninterest income to average assets | 1.0677% | 1,030 |
| Noninterest expense to average assets | 2.8509% | 3,028 |
| Loan and lease loss provision to assets | 0.1161% | 2,059 |
| Net operating income to assets | 0.5351% | 4,557 |
| Return on assets (ROA) | 0.5351% | 4,647 |
| Pretax return on assets | 0.8055% | 4,167 |
| Return on Equity (ROE) | 3.6292% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.6292% | 3,470 |
| Net charge-offs to loans | 0.1338% | 2,025 |
| Credit loss provision to net charge-offs | 148.3544% | 1,792 |
| Earnings coverage of net charge-offs (x) | 11.7797% | 2,526 |
| Efficiency ratio | 75.5710% | 2,342 |
| Assets per employee ($millions) | 5.8045% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4449% | 5,962 |
| Loan loss allowance to noncurrent loans | 123.1246% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 4,593 |
| Noncurrent loans to loans | 0.3613% | 4,159 |
| Net loans and leases to total assets | 60.6483% | 3,747 |
| Net loans and leases to deposits | 72.5831% | 3,659 |
| Net loans and leases to core deposits | 73.2391% | 4,019 |
| Total domestic deposits to total assets | 83.5571% | 3,652 |
| Equity capital to assets | 14.7004% | 731 |
| Core capital (leverage) ratio | 14.8862% | 638 |
| Tier 1 risk-based capital ratio | 26.3315% | 722 |
| Total risk-based capital ratio | 26.8329% | 750 |
| Memoranda: | ||
| Average total assets | $1,514,681,800 | 469 |
| Average earning assets | $1,423,519,200 | 458 |
| Average equity | $223,327,400 | 380 |
| Average total loans | $885,737,200 | 536 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0967% | 5,713 |
| Cost of funding earning assets | 0.2409% | 4,987 |
| Net interest margin | 2.8558% | 5,484 |
| Noninterest income to average assets | 1.0750% | 1,042 |
| Noninterest expense to average assets | 2.8359% | 3,054 |
| Loan and lease loss provision to assets | 0.1128% | 2,002 |
| Net operating income to assets | 0.5354% | 4,654 |
| Return on assets (ROA) | 0.5354% | 4,753 |
| Pretax return on assets | 0.8128% | 4,296 |
| Return on Equity (ROE) | 3.6287% | 5,171 |
| Retained earnings to average equity (ytd only) | 3.6287% | 3,886 |
| Net charge-offs to loans | 0.1460% | 1,667 |
| Credit loss provision to net charge-offs | 133.5774% | 1,842 |
| Earnings coverage of net charge-offs (x) | 10.9572% | 2,544 |
| Efficiency ratio | 75.3917% | 2,337 |
| Assets per employee ($millions) | 5.6511% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 6,073 |
| Loan loss allowance to noncurrent loans | 102.4320% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 4,527 |
| Noncurrent loans to loans | 0.4165% | 4,112 |
| Net loans and leases to total assets | 60.3647% | 3,829 |
| Net loans and leases to deposits | 72.4626% | 3,710 |
| Net loans and leases to core deposits | 73.1760% | 4,086 |
| Total domestic deposits to total assets | 83.3046% | 3,697 |
| Equity capital to assets | 14.9249% | 754 |
| Core capital (leverage) ratio | 14.8102% | 678 |
| Tier 1 risk-based capital ratio | 26.6040% | 725 |
| Total risk-based capital ratio | 27.0867% | 765 |
| Memoranda: | ||
| Average total assets | $1,508,803,000 | 475 |
| Average earning assets | $1,419,405,500 | 461 |
| Average equity | $222,629,000 | 388 |
| Average total loans | $872,906,500 | 542 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0636% | 5,783 |
| Cost of funding earning assets | 0.2428% | 5,026 |
| Net interest margin | 2.8208% | 5,571 |
| Noninterest income to average assets | 1.0573% | 1,062 |
| Noninterest expense to average assets | 2.8408% | 3,101 |
| Loan and lease loss provision to assets | 0.1023% | 2,128 |
| Net operating income to assets | 0.5081% | 4,729 |
| Return on assets (ROA) | 0.5081% | 4,840 |
| Pretax return on assets | 0.7682% | 4,427 |
| Return on Equity (ROE) | 3.4565% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.4565% | 3,847 |
| Net charge-offs to loans | 0.1639% | 1,487 |
| Credit loss provision to net charge-offs | 109.6728% | 1,930 |
| Earnings coverage of net charge-offs (x) | 9.3300% | 2,464 |
| Efficiency ratio | 76.5440% | 2,277 |
| Assets per employee ($millions) | 5.6722% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4124% | 6,159 |
| Loan loss allowance to noncurrent loans | 96.5990% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 4,657 |
| Noncurrent loans to loans | 0.4269% | 4,198 |
| Net loans and leases to total assets | 58.6399% | 4,022 |
| Net loans and leases to deposits | 70.2197% | 3,907 |
| Net loans and leases to core deposits | 70.9132% | 4,233 |
| Total domestic deposits to total assets | 83.5093% | 3,756 |
| Equity capital to assets | 14.7858% | 747 |
| Core capital (leverage) ratio | 14.5611% | 696 |
| Tier 1 risk-based capital ratio | 26.8726% | 716 |
| Total risk-based capital ratio | 27.3387% | 758 |
| Memoranda: | ||
| Average total assets | $1,506,908,330 | 478 |
| Average earning assets | $1,417,818,330 | 461 |
| Average equity | $221,493,670 | 391 |
| Average total loans | $857,831,330 | 549 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0070% | 5,887 |
| Cost of funding earning assets | 0.2444% | 5,081 |
| Net interest margin | 2.7626% | 5,716 |
| Noninterest income to average assets | 1.0250% | 1,067 |
| Noninterest expense to average assets | 2.8941% | 2,927 |
| Loan and lease loss provision to assets | 0.1047% | 1,958 |
| Net operating income to assets | 0.4284% | 4,953 |
| Return on assets (ROA) | 0.4284% | 5,081 |
| Pretax return on assets | 0.6268% | 4,844 |
| Return on Equity (ROE) | 2.9235% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.9235% | 4,219 |
| Net charge-offs to loans | 0.1662% | 1,277 |
| Credit loss provision to net charge-offs | 112.5714% | 1,487 |
| Earnings coverage of net charge-offs (x) | 7.8686% | 2,130 |
| Efficiency ratio | 79.8242% | 1,918 |
| Assets per employee ($millions) | 5.7920% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4273% | 6,224 |
| Loan loss allowance to noncurrent loans | 104.8085% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3033% | 4,758 |
| Noncurrent loans to loans | 0.4077% | 4,369 |
| Net loans and leases to total assets | 55.4774% | 4,261 |
| Net loans and leases to deposits | 66.2451% | 4,132 |
| Net loans and leases to core deposits | 66.8733% | 4,436 |
| Total domestic deposits to total assets | 83.7458% | 3,912 |
| Equity capital to assets | 14.5102% | 829 |
| Core capital (leverage) ratio | 14.5468% | 682 |
| Tier 1 risk-based capital ratio | 27.4185% | 685 |
| Total risk-based capital ratio | 27.8961% | 726 |
| Memoranda: | ||
| Average total assets | $1,505,954,000 | 475 |
| Average earning assets | $1,417,632,500 | 458 |
| Average equity | $220,695,000 | 389 |
| Average total loans | $842,530,500 | 553 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9882% | 6,072 |
| Cost of funding earning assets | 0.2798% | 5,002 |
| Net interest margin | 2.7084% | 5,925 |
| Noninterest income to average assets | 0.8612% | 1,641 |
| Noninterest expense to average assets | 2.7958% | 3,496 |
| Loan and lease loss provision to assets | 0.0718% | 3,048 |
| Net operating income to assets | 0.3664% | 5,334 |
| Return on assets (ROA) | 0.3664% | 5,404 |
| Pretax return on assets | 0.5828% | 4,995 |
| Return on Equity (ROE) | 2.5220% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.5220% | 4,445 |
| Net charge-offs to loans | 0.1065% | 2,987 |
| Credit loss provision to net charge-offs | 124.6208% | 1,921 |
| Earnings coverage of net charge-offs (x) | 11.3571% | 2,499 |
| Efficiency ratio | 80.6479% | 1,825 |
| Assets per employee ($millions) | 5.5745% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4316% | 6,310 |
| Loan loss allowance to noncurrent loans | 98.2514% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 0.3422% | 4,688 |
| Noncurrent loans to loans | 0.4393% | 4,325 |
| Net loans and leases to total assets | 55.9425% | 4,344 |
| Net loans and leases to deposits | 67.3870% | 4,184 |
| Net loans and leases to core deposits | 68.0242% | 4,501 |
| Total domestic deposits to total assets | 83.0168% | 4,074 |
| Equity capital to assets | 14.8040% | 736 |
| Core capital (leverage) ratio | 14.5914% | 682 |
| Tier 1 risk-based capital ratio | 27.4826% | 646 |
| Total risk-based capital ratio | 27.9553% | 686 |
| Memoranda: | ||
| Average total assets | $1,486,815,000 | 470 |
| Average earning assets | $1,421,370,200 | 444 |
| Average equity | $215,977,800 | 382 |
| Average total loans | $804,827,400 | 548 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9696% | 6,159 |
| Cost of funding earning assets | 0.2862% | 5,030 |
| Net interest margin | 2.6834% | 6,025 |
| Noninterest income to average assets | 0.8633% | 1,647 |
| Noninterest expense to average assets | 2.7821% | 3,531 |
| Loan and lease loss provision to assets | 0.0641% | 3,066 |
| Net operating income to assets | 0.3722% | 5,361 |
| Return on assets (ROA) | 0.3722% | 5,437 |
| Pretax return on assets | 0.5924% | 5,055 |
| Return on Equity (ROE) | 2.5743% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.5743% | 4,753 |
| Net charge-offs to loans | 0.1173% | 2,633 |
| Credit loss provision to net charge-offs | 101.8519% | 2,165 |
| Earnings coverage of net charge-offs (x) | 10.4359% | 2,544 |
| Efficiency ratio | 80.5687% | 1,831 |
| Assets per employee ($millions) | 5.6113% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4163% | 6,398 |
| Loan loss allowance to noncurrent loans | 68.2741% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 4,696 |
| Noncurrent loans to loans | 0.6097% | 4,100 |
| Net loans and leases to total assets | 54.8753% | 4,477 |
| Net loans and leases to deposits | 65.6987% | 4,363 |
| Net loans and leases to core deposits | 66.3297% | 4,675 |
| Total domestic deposits to total assets | 83.5257% | 3,943 |
| Equity capital to assets | 14.6987% | 810 |
| Core capital (leverage) ratio | 14.5090% | 720 |
| Tier 1 risk-based capital ratio | 28.6409% | 601 |
| Total risk-based capital ratio | 29.1113% | 635 |
| Memoranda: | ||
| Average total assets | $1,487,815,750 | 463 |
| Average earning assets | $1,427,862,000 | 437 |
| Average equity | $215,093,500 | 379 |
| Average total loans | $797,754,750 | 550 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9485% | 6,219 |
| Cost of funding earning assets | 0.2932% | 5,029 |
| Net interest margin | 2.6553% | 6,105 |
| Noninterest income to average assets | 0.8537% | 1,640 |
| Noninterest expense to average assets | 2.8009% | 3,507 |
| Loan and lease loss provision to assets | 0.0643% | 2,982 |
| Net operating income to assets | 0.3352% | 5,450 |
| Return on assets (ROA) | 0.3352% | 5,520 |
| Pretax return on assets | 0.5365% | 5,170 |
| Return on Equity (ROE) | 2.3313% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.3313% | 4,718 |
| Net charge-offs to loans | 0.1046% | 2,633 |
| Credit loss provision to net charge-offs | 115.7005% | 1,754 |
| Earnings coverage of net charge-offs (x) | 10.8116% | 2,210 |
| Efficiency ratio | 81.9983% | 1,748 |
| Assets per employee ($millions) | 5.6362% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4313% | 6,471 |
| Loan loss allowance to noncurrent loans | 68.0205% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3544% | 4,964 |
| Noncurrent loans to loans | 0.6341% | 4,125 |
| Net loans and leases to total assets | 53.5288% | 4,592 |
| Net loans and leases to deposits | 63.9814% | 4,501 |
| Net loans and leases to core deposits | 64.5774% | 4,763 |
| Total domestic deposits to total assets | 83.6631% | 4,050 |
| Equity capital to assets | 14.5644% | 804 |
| Core capital (leverage) ratio | 14.3361% | 748 |
| Tier 1 risk-based capital ratio | 28.9790% | 579 |
| Total risk-based capital ratio | 29.4667% | 618 |
| Memoranda: | ||
| Average total assets | $1,489,963,000 | 462 |
| Average earning assets | $1,429,736,000 | 438 |
| Average equity | $214,210,670 | 376 |
| Average total loans | $791,571,000 | 552 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9307% | 6,303 |
| Cost of funding earning assets | 0.2950% | 5,118 |
| Net interest margin | 2.6357% | 6,188 |
| Noninterest income to average assets | 0.8462% | 1,578 |
| Noninterest expense to average assets | 2.8411% | 3,411 |
| Loan and lease loss provision to assets | 0.0512% | 3,077 |
| Net operating income to assets | 0.3018% | 5,486 |
| Return on assets (ROA) | 0.3018% | 5,530 |
| Pretax return on assets | 0.4826% | 5,217 |
| Return on Equity (ROE) | 2.1131% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.1131% | 4,753 |
| Net charge-offs to loans | 0.1438% | 1,865 |
| Credit loss provision to net charge-offs | 67.4912% | 2,029 |
| Earnings coverage of net charge-offs (x) | 7.0318% | 2,160 |
| Efficiency ratio | 83.8394% | 1,692 |
| Assets per employee ($millions) | 5.8647% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4198% | 6,552 |
| Loan loss allowance to noncurrent loans | 91.4468% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 5,387 |
| Noncurrent loans to loans | 0.4590% | 4,777 |
| Net loans and leases to total assets | 51.6299% | 4,717 |
| Net loans and leases to deposits | 61.3252% | 4,623 |
| Net loans and leases to core deposits | 61.8693% | 4,895 |
| Total domestic deposits to total assets | 84.1903% | 4,213 |
| Equity capital to assets | 14.1283% | 879 |
| Core capital (leverage) ratio | 13.9888% | 823 |
| Tier 1 risk-based capital ratio | 29.3590% | 557 |
| Total risk-based capital ratio | 29.8334% | 588 |
| Memoranda: | ||
| Average total assets | $1,490,971,500 | 460 |
| Average earning assets | $1,430,526,000 | 442 |
| Average equity | $212,961,000 | 376 |
| Average total loans | $787,391,500 | 555 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1089% | 6,232 |
| Cost of funding earning assets | 0.3645% | 5,008 |
| Net interest margin | 2.7445% | 6,080 |
| Noninterest income to average assets | 0.8021% | 2,073 |
| Noninterest expense to average assets | 2.8321% | 3,608 |
| Loan and lease loss provision to assets | 0.0846% | 3,421 |
| Net operating income to assets | 0.3149% | 5,472 |
| Return on assets (ROA) | 0.3149% | 5,570 |
| Pretax return on assets | 0.5149% | 5,165 |
| Return on Equity (ROE) | 2.1826% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.1826% | 4,694 |
| Net charge-offs to loans | 0.1871% | 2,966 |
| Credit loss provision to net charge-offs | 83.9514% | 2,928 |
| Earnings coverage of net charge-offs (x) | 5.9481% | 3,166 |
| Efficiency ratio | 82.1999% | 1,856 |
| Assets per employee ($millions) | 5.4605% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4283% | 6,621 |
| Loan loss allowance to noncurrent loans | 59.9115% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4289% | 4,964 |
| Noncurrent loans to loans | 0.7149% | 4,175 |
| Net loans and leases to total assets | 53.5723% | 4,641 |
| Net loans and leases to deposits | 63.8917% | 4,515 |
| Net loans and leases to core deposits | 64.4432% | 4,826 |
| Total domestic deposits to total assets | 83.8486% | 4,221 |
| Equity capital to assets | 14.4431% | 795 |
| Core capital (leverage) ratio | 14.3258% | 739 |
| Tier 1 risk-based capital ratio | 29.5403% | 523 |
| Total risk-based capital ratio | 30.0328% | 559 |
| Memoranda: | ||
| Average total assets | $1,471,443,400 | 461 |
| Average earning assets | $1,409,772,000 | 437 |
| Average equity | $212,269,200 | 367 |
| Average total loans | $792,555,800 | 528 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1373% | 6,273 |
| Cost of funding earning assets | 0.3731% | 5,064 |
| Net interest margin | 2.7642% | 6,069 |
| Noninterest income to average assets | 0.8192% | 2,060 |
| Noninterest expense to average assets | 2.8310% | 3,554 |
| Loan and lease loss provision to assets | 0.0889% | 3,280 |
| Net operating income to assets | 0.3378% | 5,476 |
| Return on assets (ROA) | 0.3378% | 5,602 |
| Pretax return on assets | 0.5461% | 5,215 |
| Return on Equity (ROE) | 2.3425% | 5,838 |
| Retained earnings to average equity (ytd only) | 2.3425% | 4,922 |
| Net charge-offs to loans | 0.1975% | 2,654 |
| Credit loss provision to net charge-offs | 83.5745% | 2,762 |
| Earnings coverage of net charge-offs (x) | 5.9668% | 3,065 |
| Efficiency ratio | 81.3526% | 1,923 |
| Assets per employee ($millions) | 5.4905% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4326% | 6,701 |
| Loan loss allowance to noncurrent loans | 67.4268% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 5,243 |
| Noncurrent loans to loans | 0.6417% | 4,594 |
| Net loans and leases to total assets | 53.6451% | 4,671 |
| Net loans and leases to deposits | 64.0224% | 4,520 |
| Net loans and leases to core deposits | 64.5396% | 4,841 |
| Total domestic deposits to total assets | 83.7911% | 4,286 |
| Equity capital to assets | 14.4664% | 836 |
| Core capital (leverage) ratio | 14.2518% | 803 |
| Tier 1 risk-based capital ratio | 29.2232% | 554 |
| Total risk-based capital ratio | 29.7209% | 579 |
| Memoranda: | ||
| Average total assets | $1,472,088,500 | 462 |
| Average earning assets | $1,409,552,000 | 440 |
| Average equity | $212,299,250 | 369 |
| Average total loans | $793,122,500 | 527 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1625% | 6,276 |
| Cost of funding earning assets | 0.3773% | 5,168 |
| Net interest margin | 2.7851% | 6,035 |
| Noninterest income to average assets | 0.8535% | 1,986 |
| Noninterest expense to average assets | 2.8631% | 3,463 |
| Loan and lease loss provision to assets | 0.0969% | 3,171 |
| Net operating income to assets | 0.3459% | 5,420 |
| Return on assets (ROA) | 0.3459% | 5,596 |
| Pretax return on assets | 0.5597% | 5,164 |
| Return on Equity (ROE) | 2.4006% | 5,834 |
| Retained earnings to average equity (ytd only) | 2.4006% | 4,773 |
| Net charge-offs to loans | 0.1846% | 2,648 |
| Credit loss provision to net charge-offs | 97.4044% | 2,294 |
| Earnings coverage of net charge-offs (x) | 6.6025% | 2,688 |
| Efficiency ratio | 81.0266% | 2,023 |
| Assets per employee ($millions) | 5.4407% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4580% | 6,736 |
| Loan loss allowance to noncurrent loans | 69.8720% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 5,410 |
| Noncurrent loans to loans | 0.6554% | 4,629 |
| Net loans and leases to total assets | 53.3265% | 4,691 |
| Net loans and leases to deposits | 63.5531% | 4,558 |
| Net loans and leases to core deposits | 64.0633% | 4,889 |
| Total domestic deposits to total assets | 83.9086% | 4,362 |
| Equity capital to assets | 14.3812% | 847 |
| Core capital (leverage) ratio | 14.1881% | 777 |
| Tier 1 risk-based capital ratio | 29.1911% | 563 |
| Total risk-based capital ratio | 29.7175% | 594 |
| Memoranda: | ||
| Average total assets | $1,472,299,330 | 461 |
| Average earning assets | $1,409,406,000 | 436 |
| Average equity | $212,110,330 | 365 |
| Average total loans | $793,232,000 | 522 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2260% | 6,267 |
| Cost of funding earning assets | 0.3816% | 5,270 |
| Net interest margin | 2.8444% | 5,932 |
| Noninterest income to average assets | 0.8907% | 1,788 |
| Noninterest expense to average assets | 2.8872% | 3,391 |
| Loan and lease loss provision to assets | 0.0602% | 3,636 |
| Net operating income to assets | 0.4082% | 5,098 |
| Return on assets (ROA) | 0.4082% | 5,246 |
| Pretax return on assets | 0.6638% | 4,731 |
| Return on Equity (ROE) | 2.8306% | 5,653 |
| Retained earnings to average equity (ytd only) | 2.8306% | 4,584 |
| Net charge-offs to loans | 0.1658% | 2,405 |
| Credit loss provision to net charge-offs | 67.2727% | 2,332 |
| Earnings coverage of net charge-offs (x) | 8.0848% | 1,983 |
| Efficiency ratio | 79.6348% | 2,385 |
| Assets per employee ($millions) | 5.5365% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4472% | 6,830 |
| Loan loss allowance to noncurrent loans | 78.8647% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 5,661 |
| Noncurrent loans to loans | 0.5670% | 5,018 |
| Net loans and leases to total assets | 52.3496% | 4,651 |
| Net loans and leases to deposits | 62.3621% | 4,491 |
| Net loans and leases to core deposits | 62.8358% | 4,867 |
| Total domestic deposits to total assets | 83.9446% | 4,501 |
| Equity capital to assets | 14.2637% | 949 |
| Core capital (leverage) ratio | 13.8973% | 825 |
| Tier 1 risk-based capital ratio | 29.1742% | 570 |
| Total risk-based capital ratio | 29.6911% | 605 |
| Memoranda: | ||
| Average total assets | $1,473,955,000 | 463 |
| Average earning assets | $1,409,803,500 | 443 |
| Average equity | $212,536,500 | 372 |
| Average total loans | $796,366,000 | 520 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 6,282 |
| Cost of funding earning assets | 0.6055% | 4,290 |
| Net interest margin | 2.9563% | 6,126 |
| Noninterest income to average assets | 0.9375% | 1,750 |
| Noninterest expense to average assets | 2.9005% | 3,639 |
| Loan and lease loss provision to assets | 0.1205% | 4,114 |
| Net operating income to assets | 0.4436% | 4,908 |
| Return on assets (ROA) | 0.4436% | 5,159 |
| Pretax return on assets | 0.7369% | 4,532 |
| Return on Equity (ROE) | 3.1248% | 5,504 |
| Retained earnings to average equity (ytd only) | 3.1248% | 4,040 |
| Net charge-offs to loans | 0.2663% | 3,343 |
| Credit loss provision to net charge-offs | 80.8375% | 3,804 |
| Earnings coverage of net charge-offs (x) | 5.7538% | 2,961 |
| Efficiency ratio | 76.8842% | 2,613 |
| Assets per employee ($millions) | 5.4219% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4491% | 6,868 |
| Loan loss allowance to noncurrent loans | 74.7936% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 0.3705% | 5,586 |
| Noncurrent loans to loans | 0.6005% | 5,021 |
| Net loans and leases to total assets | 55.2658% | 4,411 |
| Net loans and leases to deposits | 66.0874% | 4,271 |
| Net loans and leases to core deposits | 66.5127% | 4,688 |
| Total domestic deposits to total assets | 83.6253% | 4,488 |
| Equity capital to assets | 14.5797% | 847 |
| Core capital (leverage) ratio | 14.1928% | 748 |
| Tier 1 risk-based capital ratio | 28.5792% | 589 |
| Total risk-based capital ratio | 29.1045% | 621 |
| Memoranda: | ||
| Average total assets | $1,474,446,600 | 454 |
| Average earning assets | $1,406,648,400 | 430 |
| Average equity | $209,296,400 | 360 |
| Average total loans | $824,953,400 | 496 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 6,381 |
| Cost of funding earning assets | 0.6333% | 4,328 |
| Net interest margin | 2.9781% | 6,210 |
| Noninterest income to average assets | 0.9112% | 1,790 |
| Noninterest expense to average assets | 2.7473% | 4,186 |
| Loan and lease loss provision to assets | 0.1310% | 3,913 |
| Net operating income to assets | 0.5269% | 4,723 |
| Return on assets (ROA) | 0.5269% | 4,993 |
| Pretax return on assets | 0.8743% | 4,212 |
| Return on Equity (ROE) | 3.7368% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.7368% | 4,264 |
| Net charge-offs to loans | 0.2691% | 3,112 |
| Credit loss provision to net charge-offs | 86.8578% | 3,398 |
| Earnings coverage of net charge-offs (x) | 6.6655% | 2,745 |
| Efficiency ratio | 72.9093% | 3,164 |
| Assets per employee ($millions) | 5.4298% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4691% | 6,971 |
| Loan loss allowance to noncurrent loans | 93.7255% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 5,903 |
| Noncurrent loans to loans | 0.5005% | 5,441 |
| Net loans and leases to total assets | 55.1437% | 4,578 |
| Net loans and leases to deposits | 68.3565% | 4,120 |
| Net loans and leases to core deposits | 68.8434% | 4,635 |
| Total domestic deposits to total assets | 80.6708% | 5,466 |
| Equity capital to assets | 14.4057% | 998 |
| Core capital (leverage) ratio | 13.9719% | 842 |
| Tier 1 risk-based capital ratio | 24.3372% | 977 |
| Total risk-based capital ratio | 24.8109% | 1,063 |
| Memoranda: | ||
| Average total assets | $1,479,791,500 | 450 |
| Average earning assets | $1,411,855,750 | 428 |
| Average equity | $208,657,250 | 359 |
| Average total loans | $829,523,750 | 495 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 6,404 |
| Cost of funding earning assets | 0.6715% | 4,265 |
| Net interest margin | 2.9867% | 6,272 |
| Noninterest income to average assets | 0.8630% | 1,920 |
| Noninterest expense to average assets | 2.7138% | 4,353 |
| Loan and lease loss provision to assets | 0.1597% | 3,521 |
| Net operating income to assets | 0.5049% | 4,802 |
| Return on assets (ROA) | 0.5049% | 5,059 |
| Pretax return on assets | 0.8383% | 4,320 |
| Return on Equity (ROE) | 3.6068% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.6068% | 4,195 |
| Net charge-offs to loans | 0.3375% | 2,672 |
| Credit loss provision to net charge-offs | 84.0909% | 3,208 |
| Earnings coverage of net charge-offs (x) | 5.2543% | 2,873 |
| Efficiency ratio | 72.8112% | 3,278 |
| Assets per employee ($millions) | 5.4045% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4635% | 7,043 |
| Loan loss allowance to noncurrent loans | 86.4253% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 5,856 |
| Noncurrent loans to loans | 0.5363% | 5,447 |
| Net loans and leases to total assets | 55.6010% | 4,529 |
| Net loans and leases to deposits | 68.6173% | 4,107 |
| Net loans and leases to core deposits | 69.1259% | 4,650 |
| Total domestic deposits to total assets | 81.0305% | 5,458 |
| Equity capital to assets | 14.1776% | 1,023 |
| Core capital (leverage) ratio | 13.7815% | 871 |
| Tier 1 risk-based capital ratio | 23.8560% | 1,031 |
| Total risk-based capital ratio | 24.3246% | 1,105 |
| Memoranda: | ||
| Average total assets | $1,482,563,330 | 452 |
| Average earning assets | $1,414,158,330 | 431 |
| Average equity | $207,550,670 | 358 |
| Average total loans | $834,281,670 | 493 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 6,454 |
| Cost of funding earning assets | 0.6932% | 4,337 |
| Net interest margin | 2.9958% | 6,298 |
| Noninterest income to average assets | 0.8247% | 2,049 |
| Noninterest expense to average assets | 2.5710% | 4,923 |
| Loan and lease loss provision to assets | 0.1997% | 2,940 |
| Net operating income to assets | 0.5475% | 4,609 |
| Return on assets (ROA) | 0.5475% | 4,822 |
| Pretax return on assets | 0.9095% | 3,999 |
| Return on Equity (ROE) | 3.9355% | 5,326 |
| Retained earnings to average equity (ytd only) | 3.9355% | 4,224 |
| Net charge-offs to loans | 0.2940% | 2,489 |
| Credit loss provision to net charge-offs | 120.2593% | 1,976 |
| Earnings coverage of net charge-offs (x) | 6.6791% | 2,167 |
| Efficiency ratio | 69.5531% | 3,888 |
| Assets per employee ($millions) | 5.7339% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4993% | 7,066 |
| Loan loss allowance to noncurrent loans | 97.6804% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 6,078 |
| Noncurrent loans to loans | 0.5112% | 5,645 |
| Net loans and leases to total assets | 54.8835% | 4,574 |
| Net loans and leases to deposits | 68.0640% | 4,047 |
| Net loans and leases to core deposits | 68.5186% | 4,625 |
| Total domestic deposits to total assets | 80.6351% | 5,691 |
| Equity capital to assets | 13.7047% | 1,140 |
| Core capital (leverage) ratio | 13.3146% | 1,017 |
| Tier 1 risk-based capital ratio | 23.3788% | 1,084 |
| Total risk-based capital ratio | 23.8827% | 1,166 |
| Memoranda: | ||
| Average total assets | $1,486,127,500 | 451 |
| Average earning assets | $1,416,531,500 | 428 |
| Average equity | $206,735,500 | 353 |
| Average total loans | $839,334,500 | 489 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0085% | 6,438 |
| Cost of funding earning assets | 0.9198% | 3,960 |
| Net interest margin | 3.0886% | 6,368 |
| Noninterest income to average assets | 0.8591% | 1,804 |
| Noninterest expense to average assets | 2.8908% | 3,993 |
| Loan and lease loss provision to assets | 0.1454% | 4,795 |
| Net operating income to assets | 0.4545% | 4,617 |
| Return on assets (ROA) | 0.4545% | 4,829 |
| Pretax return on assets | 0.7567% | 4,129 |
| Return on Equity (ROE) | 3.2538% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.2538% | 3,908 |
| Net charge-offs to loans | 0.1689% | 4,803 |
| Credit loss provision to net charge-offs | 141.7790% | 2,056 |
| Earnings coverage of net charge-offs (x) | 8.7978% | 2,087 |
| Efficiency ratio | 75.9121% | 2,902 |
| Assets per employee ($millions) | 5.3425% | 1,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4793% | 7,117 |
| Loan loss allowance to noncurrent loans | 92.7523% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 6,225 |
| Noncurrent loans to loans | 0.5168% | 5,678 |
| Net loans and leases to total assets | 57.5697% | 4,447 |
| Net loans and leases to deposits | 72.0154% | 3,789 |
| Net loans and leases to core deposits | 72.5592% | 4,430 |
| Total domestic deposits to total assets | 79.9408% | 5,758 |
| Equity capital to assets | 14.1251% | 1,019 |
| Core capital (leverage) ratio | 13.7062% | 897 |
| Tier 1 risk-based capital ratio | 28.4701% | 589 |
| Total risk-based capital ratio | 29.0499% | 627 |
| Memoranda: | ||
| Average total assets | $1,447,431,600 | 462 |
| Average earning assets | $1,374,842,800 | 432 |
| Average equity | $202,164,400 | 350 |
| Average total loans | $878,806,000 | 478 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0827% | 6,448 |
| Cost of funding earning assets | 0.9668% | 3,921 |
| Net interest margin | 3.1159% | 6,359 |
| Noninterest income to average assets | 0.8343% | 1,906 |
| Noninterest expense to average assets | 2.8993% | 3,934 |
| Loan and lease loss provision to assets | 0.1365% | 4,734 |
| Net operating income to assets | 0.4544% | 4,751 |
| Return on assets (ROA) | 0.4544% | 4,944 |
| Pretax return on assets | 0.7569% | 4,291 |
| Return on Equity (ROE) | 3.2630% | 5,325 |
| Retained earnings to average equity (ytd only) | 3.2630% | 4,395 |
| Net charge-offs to loans | 0.2180% | 4,075 |
| Credit loss provision to net charge-offs | 101.9297% | 3,285 |
| Earnings coverage of net charge-offs (x) | 6.6713% | 2,509 |
| Efficiency ratio | 76.1382% | 2,819 |
| Assets per employee ($millions) | 5.3080% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4003% | 7,229 |
| Loan loss allowance to noncurrent loans | 85.5514% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 6,303 |
| Noncurrent loans to loans | 0.4679% | 5,907 |
| Net loans and leases to total assets | 59.7067% | 4,186 |
| Net loans and leases to deposits | 74.8100% | 3,546 |
| Net loans and leases to core deposits | 75.4313% | 4,261 |
| Total domestic deposits to total assets | 79.8112% | 5,789 |
| Equity capital to assets | 14.2253% | 1,076 |
| Core capital (leverage) ratio | 13.7544% | 971 |
| Tier 1 risk-based capital ratio | 27.7259% | 679 |
| Total risk-based capital ratio | 28.2121% | 727 |
| Memoranda: | ||
| Average total assets | $1,444,660,750 | 466 |
| Average earning assets | $1,371,650,000 | 439 |
| Average equity | $201,201,250 | 354 |
| Average total loans | $887,580,750 | 474 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 6,438 |
| Cost of funding earning assets | 0.9943% | 3,985 |
| Net interest margin | 3.1283% | 6,342 |
| Noninterest income to average assets | 0.8166% | 1,941 |
| Noninterest expense to average assets | 2.9605% | 3,790 |
| Loan and lease loss provision to assets | 0.1449% | 4,495 |
| Net operating income to assets | 0.4077% | 4,907 |
| Return on assets (ROA) | 0.4077% | 5,066 |
| Pretax return on assets | 0.6811% | 4,461 |
| Return on Equity (ROE) | 2.9481% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.9481% | 4,405 |
| Net charge-offs to loans | 0.2071% | 3,912 |
| Credit loss provision to net charge-offs | 112.9310% | 2,715 |
| Earnings coverage of net charge-offs (x) | 6.4386% | 2,395 |
| Efficiency ratio | 77.8788% | 2,733 |
| Assets per employee ($millions) | 5.0457% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4028% | 7,294 |
| Loan loss allowance to noncurrent loans | 77.6172% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3487% | 6,259 |
| Noncurrent loans to loans | 0.5189% | 5,866 |
| Net loans and leases to total assets | 60.3078% | 4,216 |
| Net loans and leases to deposits | 76.2920% | 3,411 |
| Net loans and leases to core deposits | 76.9101% | 4,200 |
| Total domestic deposits to total assets | 79.0487% | 6,077 |
| Equity capital to assets | 13.8961% | 1,135 |
| Core capital (leverage) ratio | 13.4726% | 1,005 |
| Tier 1 risk-based capital ratio | 26.9096% | 733 |
| Total risk-based capital ratio | 27.3992% | 783 |
| Memoranda: | ||
| Average total assets | $1,446,726,670 | 474 |
| Average earning assets | $1,373,470,670 | 446 |
| Average equity | $200,059,670 | 357 |
| Average total loans | $896,004,000 | 478 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1640% | 6,363 |
| Cost of funding earning assets | 1.0021% | 4,191 |
| Net interest margin | 3.1618% | 6,186 |
| Noninterest income to average assets | 0.8283% | 1,928 |
| Noninterest expense to average assets | 2.9567% | 3,833 |
| Loan and lease loss provision to assets | 0.1369% | 4,301 |
| Net operating income to assets | 0.4414% | 4,761 |
| Return on assets (ROA) | 0.4414% | 4,842 |
| Pretax return on assets | 0.7379% | 4,156 |
| Return on Equity (ROE) | 3.2000% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.2000% | 4,257 |
| Net charge-offs to loans | 0.1973% | 3,319 |
| Credit loss provision to net charge-offs | 110.7623% | 2,418 |
| Earnings coverage of net charge-offs (x) | 7.0785% | 2,000 |
| Efficiency ratio | 76.8641% | 3,005 |
| Assets per employee ($millions) | 5.3513% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3902% | 7,355 |
| Loan loss allowance to noncurrent loans | 117.1727% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 6,637 |
| Noncurrent loans to loans | 0.3330% | 6,329 |
| Net loans and leases to total assets | 60.4736% | 4,177 |
| Net loans and leases to deposits | 76.2727% | 3,376 |
| Net loans and leases to core deposits | 76.9162% | 4,171 |
| Total domestic deposits to total assets | 79.2860% | 6,122 |
| Equity capital to assets | 13.6142% | 1,143 |
| Core capital (leverage) ratio | 13.2471% | 1,044 |
| Tier 1 risk-based capital ratio | 26.8636% | 719 |
| Total risk-based capital ratio | 27.3460% | 759 |
| Memoranda: | ||
| Average total assets | $1,443,504,500 | 476 |
| Average earning assets | $1,371,100,000 | 451 |
| Average equity | $199,122,500 | 355 |
| Average total loans | $904,046,000 | 481 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5811% | 6,167 |
| Cost of funding earning assets | 1.2317% | 4,347 |
| Net interest margin | 3.3494% | 5,795 |
| Noninterest income to average assets | 0.7608% | 2,479 |
| Noninterest expense to average assets | 2.8007% | 4,605 |
| Loan and lease loss provision to assets | 0.2803% | 4,568 |
| Net operating income to assets | 0.5148% | 4,026 |
| Return on assets (ROA) | 0.4965% | 4,268 |
| Pretax return on assets | 0.8339% | 3,522 |
| Return on Equity (ROE) | 3.5638% | 4,718 |
| Retained earnings to average equity (ytd only) | 3.5638% | 3,367 |
| Net charge-offs to loans | 0.4125% | 3,978 |
| Credit loss provision to net charge-offs | 102.7422% | 4,398 |
| Earnings coverage of net charge-offs (x) | 4.1883% | 3,025 |
| Efficiency ratio | 70.6335% | 4,047 |
| Assets per employee ($millions) | 5.0923% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3731% | 7,442 |
| Loan loss allowance to noncurrent loans | 94.7441% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2927% | 6,512 |
| Noncurrent loans to loans | 0.3938% | 6,260 |
| Net loans and leases to total assets | 64.3670% | 3,793 |
| Net loans and leases to deposits | 81.9825% | 2,812 |
| Net loans and leases to core deposits | 82.6897% | 3,792 |
| Total domestic deposits to total assets | 78.5130% | 6,213 |
| Equity capital to assets | 13.9803% | 1,044 |
| Core capital (leverage) ratio | 13.5629% | 966 |
| Tier 1 risk-based capital ratio | 25.6579% | 792 |
| Total risk-based capital ratio | 26.1162% | 838 |
| Memoranda: | ||
| Average total assets | $1,403,398,800 | 481 |
| Average earning assets | $1,333,525,800 | 461 |
| Average equity | $195,519,800 | 354 |
| Average total loans | $928,260,000 | 486 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6384% | 6,229 |
| Cost of funding earning assets | 1.2669% | 4,454 |
| Net interest margin | 3.3715% | 5,778 |
| Noninterest income to average assets | 0.7040% | 2,798 |
| Noninterest expense to average assets | 2.7927% | 4,520 |
| Loan and lease loss provision to assets | 0.2908% | 4,250 |
| Net operating income to assets | 0.4962% | 4,334 |
| Return on assets (ROA) | 0.4718% | 4,631 |
| Pretax return on assets | 0.7865% | 3,963 |
| Return on Equity (ROE) | 3.3897% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.3897% | 4,064 |
| Net charge-offs to loans | 0.4184% | 3,615 |
| Credit loss provision to net charge-offs | 104.4505% | 4,105 |
| Earnings coverage of net charge-offs (x) | 4.0068% | 3,221 |
| Efficiency ratio | 71.0374% | 3,876 |
| Assets per employee ($millions) | 5.2139% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3721% | 7,554 |
| Loan loss allowance to noncurrent loans | 112.9708% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 6,655 |
| Noncurrent loans to loans | 0.3294% | 6,533 |
| Net loans and leases to total assets | 65.8338% | 3,727 |
| Net loans and leases to deposits | 86.4145% | 2,252 |
| Net loans and leases to core deposits | 87.1094% | 3,504 |
| Total domestic deposits to total assets | 76.1838% | 6,620 |
| Equity capital to assets | 14.0886% | 1,142 |
| Core capital (leverage) ratio | 13.6018% | 1,027 |
| Tier 1 risk-based capital ratio | 25.1623% | 853 |
| Total risk-based capital ratio | 25.6198% | 892 |
| Memoranda: | ||
| Average total assets | $1,399,057,500 | 476 |
| Average earning assets | $1,329,582,500 | 459 |
| Average equity | $194,743,000 | 354 |
| Average total loans | $930,843,000 | 480 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6527% | 6,306 |
| Cost of funding earning assets | 1.2874% | 4,612 |
| Net interest margin | 3.3653% | 5,775 |
| Noninterest income to average assets | 0.5890% | 3,422 |
| Noninterest expense to average assets | 2.8081% | 4,450 |
| Loan and lease loss provision to assets | 0.2477% | 4,450 |
| Net operating income to assets | 0.4391% | 4,585 |
| Return on assets (ROA) | 0.4025% | 4,906 |
| Pretax return on assets | 0.6742% | 4,330 |
| Return on Equity (ROE) | 2.9031% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.9031% | 4,291 |
| Net charge-offs to loans | 0.4345% | 3,250 |
| Credit loss provision to net charge-offs | 85.4815% | 4,555 |
| Earnings coverage of net charge-offs (x) | 3.3793% | 3,350 |
| Efficiency ratio | 73.6532% | 3,537 |
| Assets per employee ($millions) | 5.2841% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3263% | 7,649 |
| Loan loss allowance to noncurrent loans | 144.4391% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.2094% | 6,881 |
| Noncurrent loans to loans | 0.2259% | 6,790 |
| Net loans and leases to total assets | 65.7712% | 3,877 |
| Net loans and leases to deposits | 86.5963% | 2,419 |
| Net loans and leases to core deposits | 87.2931% | 3,647 |
| Total domestic deposits to total assets | 75.9515% | 6,708 |
| Equity capital to assets | 13.9103% | 1,200 |
| Core capital (leverage) ratio | 13.4166% | 1,092 |
| Tier 1 risk-based capital ratio | 24.2021% | 926 |
| Total risk-based capital ratio | 24.5926% | 995 |
| Memoranda: | ||
| Average total assets | $1,397,895,670 | 476 |
| Average earning assets | $1,328,443,330 | 458 |
| Average equity | $193,791,330 | 354 |
| Average total loans | $932,191,670 | 480 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7414% | 6,109 |
| Cost of funding earning assets | 1.2975% | 4,830 |
| Net interest margin | 3.4440% | 5,403 |
| Noninterest income to average assets | 0.8249% | 1,909 |
| Noninterest expense to average assets | 2.9150% | 4,000 |
| Loan and lease loss provision to assets | 0.2511% | 4,033 |
| Net operating income to assets | 0.5546% | 4,113 |
| Return on assets (ROA) | 0.5546% | 4,253 |
| Pretax return on assets | 0.9308% | 3,342 |
| Return on Equity (ROE) | 4.0077% | 4,895 |
| Retained earnings to average equity (ytd only) | 4.0077% | 3,747 |
| Net charge-offs to loans | 0.3762% | 2,922 |
| Credit loss provision to net charge-offs | 99.5449% | 3,460 |
| Earnings coverage of net charge-offs (x) | 4.6860% | 2,570 |
| Efficiency ratio | 70.5281% | 4,214 |
| Assets per employee ($millions) | 5.2256% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3103% | 7,749 |
| Loan loss allowance to noncurrent loans | 124.5880% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 6,917 |
| Noncurrent loans to loans | 0.2491% | 6,843 |
| Net loans and leases to total assets | 65.1799% | 4,063 |
| Net loans and leases to deposits | 86.3077% | 2,525 |
| Net loans and leases to core deposits | 87.0459% | 3,740 |
| Total domestic deposits to total assets | 75.5203% | 6,830 |
| Equity capital to assets | 13.6900% | 1,248 |
| Core capital (leverage) ratio | 13.2430% | 1,144 |
| Tier 1 risk-based capital ratio | 24.1394% | 952 |
| Total risk-based capital ratio | 24.5111% | 1,021 |
| Memoranda: | ||
| Average total assets | $1,394,054,500 | 495 |
| Average earning assets | $1,324,405,500 | 472 |
| Average equity | $192,927,000 | 360 |
| Average total loans | $934,542,000 | 500 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 6,399 |
| Cost of funding earning assets | 1.6305% | 4,886 |
| Net interest margin | 3.3813% | 5,442 |
| Noninterest income to average assets | 0.9644% | 1,687 |
| Noninterest expense to average assets | 2.9643% | 4,286 |
| Loan and lease loss provision to assets | 0.2719% | 5,234 |
| Net operating income to assets | 0.5630% | 3,473 |
| Return on assets (ROA) | 0.4469% | 4,060 |
| Pretax return on assets | 0.7549% | 3,393 |
| Return on Equity (ROE) | 3.2868% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.2868% | 2,866 |
| Net charge-offs to loans | 0.3054% | 4,721 |
| Credit loss provision to net charge-offs | 130.7934% | 3,885 |
| Earnings coverage of net charge-offs (x) | 5.8113% | 2,493 |
| Efficiency ratio | 70.4229% | 4,535 |
| Assets per employee ($millions) | 5.1193% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3047% | 7,826 |
| Loan loss allowance to noncurrent loans | 142.8429% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 7,056 |
| Noncurrent loans to loans | 0.2133% | 6,893 |
| Net loans and leases to total assets | 68.5364% | 3,582 |
| Net loans and leases to deposits | 91.4953% | 1,963 |
| Net loans and leases to core deposits | 96.2717% | 4,436 |
| Total domestic deposits to total assets | 74.9071% | 6,878 |
| Equity capital to assets | 13.9933% | 1,175 |
| Core capital (leverage) ratio | 13.5243% | 1,086 |
| Tier 1 risk-based capital ratio | 23.8458% | 962 |
| Total risk-based capital ratio | 24.2171% | 1,022 |
| Memoranda: | ||
| Average total assets | $1,376,023,800 | 497 |
| Average earning assets | $1,305,599,200 | 473 |
| Average equity | $187,112,800 | 368 |
| Average total loans | $936,930,000 | 508 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0553% | 6,432 |
| Cost of funding earning assets | 1.6941% | 4,928 |
| Net interest margin | 3.3612% | 5,405 |
| Noninterest income to average assets | 1.0098% | 1,569 |
| Noninterest expense to average assets | 2.9741% | 4,150 |
| Loan and lease loss provision to assets | 0.1785% | 5,575 |
| Net operating income to assets | 0.6258% | 3,516 |
| Return on assets (ROA) | 0.4991% | 4,081 |
| Pretax return on assets | 0.8480% | 3,386 |
| Return on Equity (ROE) | 3.6973% | 4,499 |
| Retained earnings to average equity (ytd only) | 3.6973% | 3,221 |
| Net charge-offs to loans | 0.2772% | 4,306 |
| Credit loss provision to net charge-offs | 94.8072% | 5,346 |
| Earnings coverage of net charge-offs (x) | 6.5023% | 2,593 |
| Efficiency ratio | 70.2195% | 4,548 |
| Assets per employee ($millions) | 5.1570% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2471% | 7,944 |
| Loan loss allowance to noncurrent loans | 211.5837% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 7,328 |
| Noncurrent loans to loans | 0.1168% | 7,186 |
| Net loans and leases to total assets | 68.8119% | 3,767 |
| Net loans and leases to deposits | 93.8971% | 1,895 |
| Net loans and leases to core deposits | 98.8703% | 4,503 |
| Total domestic deposits to total assets | 73.2844% | 7,049 |
| Equity capital to assets | 13.8827% | 1,343 |
| Core capital (leverage) ratio | 13.4415% | 1,245 |
| Tier 1 risk-based capital ratio | 23.7516% | 1,026 |
| Total risk-based capital ratio | 24.0543% | 1,099 |
| Memoranda: | ||
| Average total assets | $1,377,039,250 | 510 |
| Average earning assets | $1,306,445,250 | 482 |
| Average equity | $185,895,250 | 381 |
| Average total loans | $935,370,500 | 521 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0938% | 6,462 |
| Cost of funding earning assets | 1.7585% | 4,955 |
| Net interest margin | 3.3352% | 5,417 |
| Noninterest income to average assets | 1.0467% | 1,441 |
| Noninterest expense to average assets | 2.9717% | 4,201 |
| Loan and lease loss provision to assets | 0.1625% | 5,441 |
| Net operating income to assets | 0.6471% | 3,478 |
| Return on assets (ROA) | 0.5070% | 4,181 |
| Pretax return on assets | 0.8570% | 3,485 |
| Return on Equity (ROE) | 3.7910% | 4,583 |
| Retained earnings to average equity (ytd only) | 3.7910% | 3,187 |
| Net charge-offs to loans | 0.3033% | 3,667 |
| Credit loss provision to net charge-offs | 79.2640% | 5,218 |
| Earnings coverage of net charge-offs (x) | 6.0425% | 2,696 |
| Efficiency ratio | 69.9707% | 4,789 |
| Assets per employee ($millions) | 5.2524% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2293% | 8,048 |
| Loan loss allowance to noncurrent loans | 142.0251% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 7,295 |
| Noncurrent loans to loans | 0.1614% | 7,120 |
| Net loans and leases to total assets | 67.6096% | 4,233 |
| Net loans and leases to deposits | 92.1033% | 2,454 |
| Net loans and leases to core deposits | 96.8095% | 4,811 |
| Total domestic deposits to total assets | 73.4062% | 7,048 |
| Equity capital to assets | 13.5516% | 1,478 |
| Core capital (leverage) ratio | 13.2051% | 1,371 |
| Tier 1 risk-based capital ratio | 23.9301% | 1,044 |
| Total risk-based capital ratio | 24.2128% | 1,113 |
| Memoranda: | ||
| Average total assets | $1,378,801,670 | 518 |
| Average earning assets | $1,307,794,000 | 493 |
| Average equity | $184,381,670 | 390 |
| Average total loans | $931,738,330 | 539 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 6,269 |
| Cost of funding earning assets | 1.8420% | 4,911 |
| Net interest margin | 3.3648% | 5,269 |
| Noninterest income to average assets | 0.8447% | 2,103 |
| Noninterest expense to average assets | 3.0330% | 3,618 |
| Loan and lease loss provision to assets | 0.2776% | 3,736 |
| Net operating income to assets | 0.4438% | 4,676 |
| Return on assets (ROA) | 0.1632% | 5,946 |
| Pretax return on assets | 0.2852% | 5,714 |
| Return on Equity (ROE) | 1.2286% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.2286% | 5,148 |
| Net charge-offs to loans | 0.3946% | 2,516 |
| Credit loss provision to net charge-offs | 104.2530% | 3,622 |
| Earnings coverage of net charge-offs (x) | 3.7601% | 3,074 |
| Efficiency ratio | 74.5411% | 3,724 |
| Assets per employee ($millions) | 5.0532% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2689% | 8,055 |
| Loan loss allowance to noncurrent loans | 198.1615% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 7,298 |
| Noncurrent loans to loans | 0.1357% | 7,135 |
| Net loans and leases to total assets | 65.4578% | 4,716 |
| Net loans and leases to deposits | 89.2386% | 3,061 |
| Net loans and leases to core deposits | 94.0708% | 5,141 |
| Total domestic deposits to total assets | 73.3515% | 6,996 |
| Equity capital to assets | 13.1284% | 1,690 |
| Core capital (leverage) ratio | 12.7698% | 1,573 |
| Tier 1 risk-based capital ratio | 23.7741% | 1,110 |
| Total risk-based capital ratio | 24.1040% | 1,180 |
| Memoranda: | ||
| Average total assets | $1,377,511,000 | 520 |
| Average earning assets | $1,305,748,000 | 501 |
| Average equity | $182,972,500 | 389 |
| Average total loans | $929,561,000 | 544 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4561% | 7,384 |
| Cost of funding earning assets | 2.3933% | 4,743 |
| Net interest margin | 3.0628% | 6,756 |
| Noninterest income to average assets | 0.8380% | 2,305 |
| Noninterest expense to average assets | 2.8942% | 4,466 |
| Loan and lease loss provision to assets | 0.1785% | 5,111 |
| Net operating income to assets | 0.3898% | 5,191 |
| Return on assets (ROA) | 0.4134% | 4,915 |
| Pretax return on assets | 0.6983% | 4,404 |
| Return on Equity (ROE) | 3.1645% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.1645% | 3,183 |
| Net charge-offs to loans | 0.2148% | 4,062 |
| Credit loss provision to net charge-offs | 124.5013% | 4,299 |
| Earnings coverage of net charge-offs (x) | 5.8598% | 3,506 |
| Efficiency ratio | 77.1073% | 3,060 |
| Assets per employee ($millions) | 4.7711% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2604% | 8,115 |
| Loan loss allowance to noncurrent loans | 271.1111% | 1,486 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 7,299 |
| Noncurrent loans to loans | 0.0960% | 7,129 |
| Net loans and leases to total assets | 69.2220% | 4,205 |
| Net loans and leases to deposits | 95.2576% | 2,568 |
| Net loans and leases to core deposits | 100.6671% | 4,760 |
| Total domestic deposits to total assets | 72.6683% | 6,891 |
| Equity capital to assets | 13.4436% | 1,615 |
| Core capital (leverage) ratio | 13.2169% | 1,472 |
| Tier 1 risk-based capital ratio | 24.0607% | 1,081 |
| Total risk-based capital ratio | 24.3905% | 1,150 |
| Memoranda: | ||
| Average total assets | $1,363,860,200 | 507 |
| Average earning assets | $1,289,651,400 | 492 |
| Average equity | $178,165,000 | 405 |
| Average total loans | $910,194,000 | 536 |