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BankFinancial, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 2,807 |
| Cost of funding earning assets | 0.9413% | 3,434 |
| Net interest margin | 3.6970% | 1,767 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.7147% | 1,698 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7621% | 3,003 |
| Return on assets (ROA) | 0.7385% | 3,063 |
| Pretax return on assets | 1.0015% | 2,685 |
| Return on Equity (ROE) | 7.0300% | 3,273 |
| Retained earnings to average equity (ytd only) | -2.1692% | 4,281 |
| Net charge-offs to loans | 0.1791% | 598 |
| Credit loss provision to net charge-offs | 18.9358% | 2,316 |
| Earnings coverage of net charge-offs (x) | 7.6711% | 2,388 |
| Efficiency ratio | 72.0723% | 1,652 |
| Assets per employee ($millions) | 7.2162% | 1,925 |
| Cash dividends to net income (ytd only)* | 130.8528% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7879% | 3,998 |
| Loan loss allowance to noncurrent loans | 37.3579% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 1.5374% | 239 |
| Noncurrent loans to loans | 2.1091% | 260 |
| Net loans and leases to total assets | 71.0300% | 1,695 |
| Net loans and leases to deposits | 82.2154% | 1,929 |
| Net loans and leases to core deposits | 84.1338% | 2,442 |
| Total domestic deposits to total assets | 86.3900% | 1,892 |
| Equity capital to assets | 10.7311% | 1,614 |
| Core capital (leverage) ratio | 10.8502% | 2,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,521,222,200 | 711 |
| Average earning assets | $1,437,559,600 | 686 |
| Average equity | $159,783,600 | 644 |
| Average total loans | $1,164,690,800 | 648 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5634% | 2,771 |
| Cost of funding earning assets | 0.8502% | 3,399 |
| Net interest margin | 3.7132% | 1,751 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.6924% | 1,685 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7864% | 3,068 |
| Return on assets (ROA) | 0.7551% | 3,145 |
| Pretax return on assets | 1.0207% | 2,796 |
| Return on Equity (ROE) | 7.2300% | 3,369 |
| Retained earnings to average equity (ytd only) | -0.0208% | 4,146 |
| Net charge-offs to loans | 0.1748% | 496 |
| Credit loss provision to net charge-offs | 5.4417% | 2,042 |
| Earnings coverage of net charge-offs (x) | 7.7951% | 2,220 |
| Efficiency ratio | 71.7534% | 1,600 |
| Assets per employee ($millions) | 7.4867% | 1,640 |
| Cash dividends to net income (ytd only)* | 100.2882% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7682% | 4,038 |
| Loan loss allowance to noncurrent loans | 28.7668% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 2.0183% | 140 |
| Noncurrent loans to loans | 2.6704% | 176 |
| Net loans and leases to total assets | 73.8400% | 1,355 |
| Net loans and leases to deposits | 85.3643% | 1,625 |
| Net loans and leases to core deposits | 87.2152% | 2,109 |
| Total domestic deposits to total assets | 86.5000% | 2,038 |
| Equity capital to assets | 10.7330% | 1,461 |
| Core capital (leverage) ratio | 10.9274% | 2,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,531,697,250 | 711 |
| Average earning assets | $1,448,904,500 | 687 |
| Average equity | $160,042,500 | 636 |
| Average total loans | $1,191,087,000 | 632 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4671% | 2,727 |
| Cost of funding earning assets | 0.7532% | 3,339 |
| Net interest margin | 3.7139% | 1,794 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.6621% | 1,746 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.8113% | 3,047 |
| Return on assets (ROA) | 0.7648% | 3,192 |
| Pretax return on assets | 1.0248% | 2,844 |
| Return on Equity (ROE) | 7.3800% | 3,392 |
| Retained earnings to average equity (ytd only) | -0.3742% | 4,152 |
| Net charge-offs to loans | 0.1175% | 612 |
| Credit loss provision to net charge-offs | -13.2867% | 4,505 |
| Earnings coverage of net charge-offs (x) | 11.4979% | 1,962 |
| Efficiency ratio | 71.4162% | 1,626 |
| Assets per employee ($millions) | 7.6687% | 1,493 |
| Cash dividends to net income (ytd only)* | 105.0669% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 4,058 |
| Loan loss allowance to noncurrent loans | 38.1902% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 210 |
| Noncurrent loans to loans | 2.0473% | 265 |
| Net loans and leases to total assets | 77.1100% | 928 |
| Net loans and leases to deposits | 88.8235% | 1,281 |
| Net loans and leases to core deposits | 90.4675% | 1,764 |
| Total domestic deposits to total assets | 86.8100% | 1,985 |
| Equity capital to assets | 10.5125% | 1,594 |
| Core capital (leverage) ratio | 10.7956% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,543,153,000 | 691 |
| Average earning assets | $1,459,906,333 | 675 |
| Average equity | $159,820,333 | 636 |
| Average total loans | $1,216,728,333 | 611 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 2,479 |
| Cost of funding earning assets | 0.6687% | 3,161 |
| Net interest margin | 3.7571% | 1,774 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 2.5314% | 2,166 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.8938% | 2,880 |
| Return on assets (ROA) | 0.8015% | 3,140 |
| Pretax return on assets | 1.0597% | 2,832 |
| Return on Equity (ROE) | 7.8000% | 3,341 |
| Retained earnings to average equity (ytd only) | -2.2086% | 4,217 |
| Net charge-offs to loans | 0.0288% | 1,122 |
| Credit loss provision to net charge-offs | 95.5056% | 1,155 |
| Earnings coverage of net charge-offs (x) | 51.9438% | 1,094 |
| Efficiency ratio | 68.0445% | 1,966 |
| Assets per employee ($millions) | 7.6071% | 1,553 |
| Cash dividends to net income (ytd only)* | 128.3285% | 297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 4,065 |
| Loan loss allowance to noncurrent loans | 113.2024% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6074% | 835 |
| Noncurrent loans to loans | 0.7174% | 1,055 |
| Net loans and leases to total assets | 79.7400% | 566 |
| Net loans and leases to deposits | 92.2894% | 899 |
| Net loans and leases to core deposits | 93.9335% | 1,396 |
| Total domestic deposits to total assets | 86.4000% | 2,475 |
| Equity capital to assets | 10.3728% | 1,629 |
| Core capital (leverage) ratio | 10.5190% | 2,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,555,530,500 | 700 |
| Average earning assets | $1,472,187,500 | 681 |
| Average equity | $159,919,500 | 648 |
| Average total loans | $1,235,096,000 | 611 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5821% | 2,852 |
| Cost of funding earning assets | 0.2363% | 3,447 |
| Net interest margin | 3.3458% | 2,434 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 2.4066% | 2,405 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 0.7483% | 3,486 |
| Return on assets (ROA) | 0.7483% | 3,427 |
| Pretax return on assets | 0.9899% | 3,100 |
| Return on Equity (ROE) | 7.4800% | 3,528 |
| Retained earnings to average equity (ytd only) | -0.1328% | 4,373 |
| Net charge-offs to loans | 0.0367% | 1,360 |
| Credit loss provision to net charge-offs | 441.5459% | 734 |
| Earnings coverage of net charge-offs (x) | 43.6618% | 1,448 |
| Efficiency ratio | 68.6061% | 1,890 |
| Assets per employee ($millions) | 7.7558% | 1,460 |
| Cash dividends to net income (ytd only)* | 101.7750% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6583% | 4,272 |
| Loan loss allowance to noncurrent loans | 493.8639% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 2,583 |
| Noncurrent loans to loans | 0.1333% | 2,847 |
| Net loans and leases to total assets | 77.9200% | 802 |
| Net loans and leases to deposits | 88.1071% | 1,168 |
| Net loans and leases to core deposits | 89.6501% | 1,521 |
| Total domestic deposits to total assets | 88.4300% | 1,926 |
| Equity capital to assets | 10.1908% | 1,616 |
| Core capital (leverage) ratio | 10.3076% | 2,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,641,369,600 | 659 |
| Average earning assets | $1,560,156,600 | 635 |
| Average equity | $164,120,800 | 625 |
| Average total loans | $1,129,355,800 | 615 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3460% | 3,061 |
| Cost of funding earning assets | 0.1529% | 3,822 |
| Net interest margin | 3.1931% | 2,644 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.4049% | 2,305 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.6744% | 3,635 |
| Return on assets (ROA) | 0.6744% | 3,594 |
| Pretax return on assets | 0.8861% | 3,356 |
| Return on Equity (ROE) | 6.7800% | 3,632 |
| Retained earnings to average equity (ytd only) | 1.5244% | 4,131 |
| Net charge-offs to loans | 0.0500% | 981 |
| Credit loss provision to net charge-offs | 262.0773% | 876 |
| Earnings coverage of net charge-offs (x) | 29.2391% | 1,531 |
| Efficiency ratio | 71.1875% | 1,620 |
| Assets per employee ($millions) | 8.1845% | 1,225 |
| Cash dividends to net income (ytd only)* | 77.5009% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 4,341 |
| Loan loss allowance to noncurrent loans | 446.2840% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 2,802 |
| Noncurrent loans to loans | 0.1440% | 2,898 |
| Net loans and leases to total assets | 70.1000% | 1,468 |
| Net loans and leases to deposits | 78.9125% | 1,642 |
| Net loans and leases to core deposits | 80.0816% | 1,897 |
| Total domestic deposits to total assets | 88.8400% | 2,156 |
| Equity capital to assets | 9.9674% | 1,644 |
| Core capital (leverage) ratio | 10.2637% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,658,106,250 | 658 |
| Average earning assets | $1,577,244,250 | 630 |
| Average equity | $165,039,500 | 630 |
| Average total loans | $1,102,976,750 | 622 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0977% | 3,312 |
| Cost of funding earning assets | 0.1260% | 3,898 |
| Net interest margin | 2.9717% | 2,969 |
| Noninterest income to average assets | 0.3638% | 2,966 |
| Noninterest expense to average assets | 2.3622% | 2,364 |
| Loan and lease loss provision to assets | 0.0881% | 1,120 |
| Net operating income to assets | 0.5689% | 3,711 |
| Return on assets (ROA) | 0.5689% | 3,661 |
| Pretax return on assets | 0.7425% | 3,471 |
| Return on Equity (ROE) | 5.7178% | 3,649 |
| Retained earnings to average equity (ytd only) | 2.7046% | 3,547 |
| Net charge-offs to loans | 0.0456% | 936 |
| Credit loss provision to net charge-offs | 296.3710% | 803 |
| Earnings coverage of net charge-offs (x) | 27.9315% | 1,420 |
| Efficiency ratio | 73.9851% | 1,507 |
| Assets per employee ($millions) | 8.2219% | 1,190 |
| Cash dividends to net income (ytd only)* | 52.6981% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 4,438 |
| Loan loss allowance to noncurrent loans | 427.1649% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 2,875 |
| Noncurrent loans to loans | 0.1466% | 2,965 |
| Net loans and leases to total assets | 69.4936% | 1,344 |
| Net loans and leases to deposits | 78.1225% | 1,531 |
| Net loans and leases to core deposits | 79.2332% | 1,763 |
| Total domestic deposits to total assets | 88.9547% | 2,204 |
| Equity capital to assets | 10.0560% | 1,687 |
| Core capital (leverage) ratio | 10.1841% | 2,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,667,902,000 | 645 |
| Average earning assets | $1,587,820,333 | 626 |
| Average equity | $165,939,000 | 640 |
| Average total loans | $1,087,574,000 | 613 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8780% | 3,587 |
| Cost of funding earning assets | 0.1112% | 3,994 |
| Net interest margin | 2.7668% | 3,233 |
| Noninterest income to average assets | 0.3229% | 3,173 |
| Noninterest expense to average assets | 2.3548% | 2,321 |
| Loan and lease loss provision to assets | 0.0657% | 1,243 |
| Net operating income to assets | 0.4101% | 3,931 |
| Return on assets (ROA) | 0.4101% | 3,896 |
| Pretax return on assets | 0.5396% | 3,788 |
| Return on Equity (ROE) | 4.1437% | 3,839 |
| Retained earnings to average equity (ytd only) | 4.1437% | 2,884 |
| Net charge-offs to loans | 0.0776% | 608 |
| Credit loss provision to net charge-offs | 134.6341% | 890 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 1,413 |
| Efficiency ratio | 79.5495% | 1,184 |
| Assets per employee ($millions) | 8.0561% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6391% | 4,474 |
| Loan loss allowance to noncurrent loans | 345.8716% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 2,850 |
| Noncurrent loans to loans | 0.1848% | 2,894 |
| Net loans and leases to total assets | 63.5756% | 1,671 |
| Net loans and leases to deposits | 71.5373% | 1,820 |
| Net loans and leases to core deposits | 72.6564% | 2,055 |
| Total domestic deposits to total assets | 88.8705% | 2,137 |
| Equity capital to assets | 9.9787% | 1,903 |
| Core capital (leverage) ratio | 10.0512% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,679,660,500 | 648 |
| Average earning assets | $1,600,975,500 | 623 |
| Average equity | $166,228,500 | 653 |
| Average total loans | $1,056,388,500 | 621 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0196% | 3,838 |
| Cost of funding earning assets | 0.1422% | 4,043 |
| Net interest margin | 2.8774% | 3,495 |
| Noninterest income to average assets | 0.2836% | 3,696 |
| Noninterest expense to average assets | 2.3724% | 2,578 |
| Loan and lease loss provision to assets | -0.0753% | 4,466 |
| Net operating income to assets | 0.5352% | 4,008 |
| Return on assets (ROA) | 0.5352% | 4,060 |
| Pretax return on assets | 0.7241% | 3,877 |
| Return on Equity (ROE) | 5.3429% | 3,921 |
| Retained earnings to average equity (ytd only) | 3.2205% | 3,540 |
| Net charge-offs to loans | -0.0197% | 3,968 |
| Credit loss provision to net charge-offs | 607.8431% | 717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5121% | 905 |
| Assets per employee ($millions) | 7.6913% | 1,501 |
| Cash dividends to net income (ytd only)* | 39.7231% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 4,511 |
| Loan loss allowance to noncurrent loans | 895.3333% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 3,686 |
| Noncurrent loans to loans | 0.0714% | 3,579 |
| Net loans and leases to total assets | 61.4323% | 2,015 |
| Net loans and leases to deposits | 69.3954% | 2,185 |
| Net loans and leases to core deposits | 70.4350% | 2,406 |
| Total domestic deposits to total assets | 88.5249% | 1,778 |
| Equity capital to assets | 9.8164% | 2,833 |
| Core capital (leverage) ratio | 9.9063% | 2,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,646,255,000 | 634 |
| Average earning assets | $1,566,237,600 | 615 |
| Average equity | $164,911,800 | 659 |
| Average total loans | $1,038,090,600 | 634 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9917% | 4,017 |
| Cost of funding earning assets | 0.1495% | 4,112 |
| Net interest margin | 2.8422% | 3,682 |
| Noninterest income to average assets | 0.2792% | 3,761 |
| Noninterest expense to average assets | 2.3764% | 2,513 |
| Loan and lease loss provision to assets | -0.0832% | 4,564 |
| Net operating income to assets | 0.5046% | 4,193 |
| Return on assets (ROA) | 0.5046% | 4,237 |
| Pretax return on assets | 0.6875% | 4,083 |
| Return on Equity (ROE) | 5.0113% | 4,116 |
| Retained earnings to average equity (ytd only) | 4.2004% | 3,512 |
| Net charge-offs to loans | -0.0210% | 3,985 |
| Credit loss provision to net charge-offs | 625.1534% | 689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7063% | 762 |
| Assets per employee ($millions) | 7.4077% | 1,618 |
| Cash dividends to net income (ytd only)* | 16.1812% | 2,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6542% | 4,567 |
| Loan loss allowance to noncurrent loans | 1,070.6522% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 3,774 |
| Noncurrent loans to loans | 0.0611% | 3,794 |
| Net loans and leases to total assets | 63.1017% | 1,879 |
| Net loans and leases to deposits | 71.1338% | 2,134 |
| Net loans and leases to core deposits | 72.3026% | 2,402 |
| Total domestic deposits to total assets | 88.7085% | 1,451 |
| Equity capital to assets | 10.0526% | 2,853 |
| Core capital (leverage) ratio | 9.9961% | 2,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,632,876,250 | 644 |
| Average earning assets | $1,552,055,000 | 624 |
| Average equity | $164,425,750 | 662 |
| Average total loans | $1,034,882,750 | 648 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9730% | 4,093 |
| Cost of funding earning assets | 0.1581% | 4,137 |
| Net interest margin | 2.8149% | 3,760 |
| Noninterest income to average assets | 0.2784% | 3,747 |
| Noninterest expense to average assets | 2.3860% | 2,510 |
| Loan and lease loss provision to assets | -0.1247% | 4,671 |
| Net operating income to assets | 0.5077% | 4,205 |
| Return on assets (ROA) | 0.5077% | 4,249 |
| Pretax return on assets | 0.6917% | 4,082 |
| Return on Equity (ROE) | 5.0393% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.0393% | 3,169 |
| Net charge-offs to loans | -0.0231% | 4,046 |
| Credit loss provision to net charge-offs | 851.2605% | 516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7707% | 740 |
| Assets per employee ($millions) | 7.5958% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6600% | 4,591 |
| Loan loss allowance to noncurrent loans | 775.6787% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 3,662 |
| Noncurrent loans to loans | 0.0851% | 3,761 |
| Net loans and leases to total assets | 62.3326% | 2,142 |
| Net loans and leases to deposits | 70.3265% | 2,371 |
| Net loans and leases to core deposits | 71.4581% | 2,651 |
| Total domestic deposits to total assets | 88.6332% | 1,485 |
| Equity capital to assets | 10.0113% | 2,838 |
| Core capital (leverage) ratio | 10.0323% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,624,063,333 | 636 |
| Average earning assets | $1,543,096,000 | 617 |
| Average equity | $163,632,667 | 662 |
| Average total loans | $1,028,526,667 | 657 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9605% | 4,164 |
| Cost of funding earning assets | 0.1750% | 4,119 |
| Net interest margin | 2.7855% | 3,797 |
| Noninterest income to average assets | 0.2992% | 3,617 |
| Noninterest expense to average assets | 2.4309% | 2,397 |
| Loan and lease loss provision to assets | -0.0833% | 4,700 |
| Net operating income to assets | 0.4405% | 4,289 |
| Return on assets (ROA) | 0.4405% | 4,320 |
| Pretax return on assets | 0.5970% | 4,196 |
| Return on Equity (ROE) | 4.3577% | 4,213 |
| Retained earnings to average equity (ytd only) | 4.3577% | 3,397 |
| Net charge-offs to loans | 0.0082% | 1,614 |
| Credit loss provision to net charge-offs | -1,595.2381% | 3,502 |
| Earnings coverage of net charge-offs (x) | 98.3333% | 619 |
| Efficiency ratio | 82.4970% | 674 |
| Assets per employee ($millions) | 7.3634% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 4,551 |
| Loan loss allowance to noncurrent loans | 1,089.1016% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 3,711 |
| Noncurrent loans to loans | 0.0655% | 3,960 |
| Net loans and leases to total assets | 63.5103% | 2,102 |
| Net loans and leases to deposits | 71.6097% | 2,350 |
| Net loans and leases to core deposits | 72.9177% | 2,621 |
| Total domestic deposits to total assets | 88.6895% | 1,511 |
| Equity capital to assets | 10.0894% | 2,623 |
| Core capital (leverage) ratio | 10.1875% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,608,150,000 | 635 |
| Average earning assets | $1,527,197,500 | 619 |
| Average equity | $162,561,000 | 657 |
| Average total loans | $1,023,282,000 | 661 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6457% | 3,709 |
| Cost of funding earning assets | 0.4768% | 3,104 |
| Net interest margin | 3.1689% | 3,437 |
| Noninterest income to average assets | 0.3129% | 3,596 |
| Noninterest expense to average assets | 2.3833% | 3,171 |
| Loan and lease loss provision to assets | 0.0036% | 4,294 |
| Net operating income to assets | 0.6831% | 3,488 |
| Return on assets (ROA) | 0.6831% | 3,616 |
| Pretax return on assets | 0.9308% | 3,282 |
| Return on Equity (ROE) | 6.4538% | 3,426 |
| Retained earnings to average equity (ytd only) | -1.9294% | 4,701 |
| Net charge-offs to loans | -0.0058% | 4,172 |
| Credit loss provision to net charge-offs | -85.9375% | 3,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7718% | 1,706 |
| Assets per employee ($millions) | 7.6016% | 1,222 |
| Cash dividends to net income (ytd only)* | 129.8949% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7672% | 4,484 |
| Loan loss allowance to noncurrent loans | 635.3279% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.0863% | 3,899 |
| Noncurrent loans to loans | 0.1208% | 3,801 |
| Net loans and leases to total assets | 62.8047% | 2,509 |
| Net loans and leases to deposits | 70.9451% | 2,781 |
| Net loans and leases to core deposits | 72.4539% | 3,034 |
| Total domestic deposits to total assets | 88.5258% | 1,211 |
| Equity capital to assets | 10.1280% | 3,002 |
| Core capital (leverage) ratio | 10.0965% | 2,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,545,525,800 | 599 |
| Average earning assets | $1,465,467,000 | 578 |
| Average equity | $163,577,000 | 624 |
| Average total loans | $1,101,113,200 | 580 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 3,761 |
| Cost of funding earning assets | 0.5544% | 2,903 |
| Net interest margin | 3.1642% | 3,578 |
| Noninterest income to average assets | 0.3182% | 3,583 |
| Noninterest expense to average assets | 2.3905% | 3,167 |
| Loan and lease loss provision to assets | 0.0284% | 3,978 |
| Net operating income to assets | 0.6612% | 3,592 |
| Return on assets (ROA) | 0.6612% | 3,696 |
| Pretax return on assets | 0.8985% | 3,387 |
| Return on Equity (ROE) | 6.1776% | 3,487 |
| Retained earnings to average equity (ytd only) | -1.1191% | 4,625 |
| Net charge-offs to loans | -0.0063% | 4,108 |
| Credit loss provision to net charge-offs | -615.0943% | 3,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9886% | 1,645 |
| Assets per employee ($millions) | 7.6397% | 1,148 |
| Cash dividends to net income (ytd only)* | 118.1160% | 186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7460% | 4,492 |
| Loan loss allowance to noncurrent loans | 343.2305% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 3,655 |
| Noncurrent loans to loans | 0.2173% | 3,514 |
| Net loans and leases to total assets | 66.4385% | 2,456 |
| Net loans and leases to deposits | 75.0508% | 2,845 |
| Net loans and leases to core deposits | 77.8102% | 3,024 |
| Total domestic deposits to total assets | 88.5247% | 965 |
| Equity capital to assets | 10.1896% | 3,078 |
| Core capital (leverage) ratio | 10.1295% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,532,821,750 | 592 |
| Average earning assets | $1,452,886,750 | 570 |
| Average equity | $164,051,750 | 615 |
| Average total loans | $1,123,809,250 | 568 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9171% | 3,569 |
| Cost of funding earning assets | 0.6371% | 2,772 |
| Net interest margin | 3.2800% | 3,435 |
| Noninterest income to average assets | 0.3242% | 3,524 |
| Noninterest expense to average assets | 2.3984% | 3,265 |
| Loan and lease loss provision to assets | 0.0680% | 3,445 |
| Net operating income to assets | 0.7111% | 3,356 |
| Return on assets (ROA) | 0.7111% | 3,468 |
| Pretax return on assets | 0.9644% | 3,133 |
| Return on Equity (ROE) | 6.5330% | 3,318 |
| Retained earnings to average equity (ytd only) | -1.1519% | 4,494 |
| Net charge-offs to loans | -0.0019% | 3,816 |
| Credit loss provision to net charge-offs | -4,663.6364% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8281% | 1,981 |
| Assets per employee ($millions) | 8.0017% | 964 |
| Cash dividends to net income (ytd only)* | 117.6328% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 4,468 |
| Loan loss allowance to noncurrent loans | 457.6880% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 3,929 |
| Noncurrent loans to loans | 0.1635% | 3,797 |
| Net loans and leases to total assets | 67.9381% | 2,364 |
| Net loans and leases to deposits | 76.8700% | 2,769 |
| Net loans and leases to core deposits | 80.9021% | 2,878 |
| Total domestic deposits to total assets | 88.3805% | 1,001 |
| Equity capital to assets | 10.2937% | 2,930 |
| Core capital (leverage) ratio | 10.5389% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,508,986,000 | 588 |
| Average earning assets | $1,429,227,333 | 567 |
| Average equity | $164,244,000 | 613 |
| Average total loans | $1,140,444,667 | 552 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 3,089 |
| Cost of funding earning assets | 0.7736% | 2,524 |
| Net interest margin | 3.4680% | 3,087 |
| Noninterest income to average assets | 0.3721% | 3,285 |
| Noninterest expense to average assets | 2.5292% | 3,182 |
| Loan and lease loss provision to assets | 0.1284% | 2,111 |
| Net operating income to assets | 0.7358% | 3,148 |
| Return on assets (ROA) | 0.7358% | 3,228 |
| Pretax return on assets | 0.9945% | 2,858 |
| Return on Equity (ROE) | 6.5665% | 3,109 |
| Retained earnings to average equity (ytd only) | -1.9488% | 4,245 |
| Net charge-offs to loans | -0.0031% | 3,731 |
| Credit loss provision to net charge-offs | -5,233.3333% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1498% | 2,490 |
| Assets per employee ($millions) | 6.4101% | 1,394 |
| Cash dividends to net income (ytd only)* | 129.6777% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 4,603 |
| Loan loss allowance to noncurrent loans | 1,063.1717% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,293 |
| Noncurrent loans to loans | 0.0660% | 4,275 |
| Net loans and leases to total assets | 79.2189% | 789 |
| Net loans and leases to deposits | 90.4681% | 1,456 |
| Net loans and leases to core deposits | 97.3776% | 1,691 |
| Total domestic deposits to total assets | 87.5656% | 1,296 |
| Equity capital to assets | 11.3189% | 2,576 |
| Core capital (leverage) ratio | 11.0957% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,467,314,500 | 576 |
| Average earning assets | $1,387,754,000 | 562 |
| Average equity | $164,411,000 | 606 |
| Average total loans | $1,165,690,000 | 524 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 2,728 |
| Cost of funding earning assets | 0.9163% | 2,130 |
| Net interest margin | 3.6495% | 2,968 |
| Noninterest income to average assets | 0.3804% | 3,420 |
| Noninterest expense to average assets | 2.4325% | 3,610 |
| Loan and lease loss provision to assets | 0.2506% | 729 |
| Net operating income to assets | 0.8412% | 3,413 |
| Return on assets (ROA) | 0.8412% | 3,502 |
| Pretax return on assets | 1.1464% | 3,022 |
| Return on Equity (ROE) | 7.7269% | 3,280 |
| Retained earnings to average equity (ytd only) | 0.3846% | 4,581 |
| Net charge-offs to loans | 0.3689% | 545 |
| Credit loss provision to net charge-offs | 82.0287% | 2,770 |
| Earnings coverage of net charge-offs (x) | 4.5726% | 3,200 |
| Efficiency ratio | 63.4153% | 3,160 |
| Assets per employee ($millions) | 6.6935% | 1,182 |
| Cash dividends to net income (ytd only)* | 95.0230% | 418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6492% | 4,659 |
| Loan loss allowance to noncurrent loans | 902.1277% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,279 |
| Noncurrent loans to loans | 0.0720% | 4,242 |
| Net loans and leases to total assets | 78.6035% | 987 |
| Net loans and leases to deposits | 89.7234% | 1,625 |
| Net loans and leases to core deposits | 97.7094% | 1,752 |
| Total domestic deposits to total assets | 87.6064% | 1,312 |
| Equity capital to assets | 11.0937% | 2,911 |
| Core capital (leverage) ratio | 10.8909% | 2,598 |
| Tier 1 risk-based capital ratio | 15.6338% | 2,531 |
| Total risk-based capital ratio | 16.3794% | 2,658 |
| Memoranda: | ||
| Average total assets | $1,526,280,000 | 543 |
| Average earning assets | $1,442,456,600 | 528 |
| Average equity | $166,160,000 | 556 |
| Average total loans | $1,263,912,200 | 477 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 2,786 |
| Cost of funding earning assets | 0.9292% | 2,084 |
| Net interest margin | 3.6521% | 3,085 |
| Noninterest income to average assets | 0.3846% | 3,411 |
| Noninterest expense to average assets | 2.4274% | 3,620 |
| Loan and lease loss provision to assets | 0.3242% | 434 |
| Net operating income to assets | 0.7964% | 3,687 |
| Return on assets (ROA) | 0.7964% | 3,760 |
| Pretax return on assets | 1.0819% | 3,345 |
| Return on Equity (ROE) | 7.3493% | 3,569 |
| Retained earnings to average equity (ytd only) | 0.7824% | 4,611 |
| Net charge-offs to loans | 0.4772% | 356 |
| Credit loss provision to net charge-offs | 81.1645% | 2,487 |
| Earnings coverage of net charge-offs (x) | 3.5201% | 3,093 |
| Efficiency ratio | 63.2137% | 3,124 |
| Assets per employee ($millions) | 6.6790% | 1,168 |
| Cash dividends to net income (ytd only)* | 89.3538% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6224% | 4,773 |
| Loan loss allowance to noncurrent loans | 526.8884% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 4,139 |
| Noncurrent loans to loans | 0.1181% | 4,125 |
| Net loans and leases to total assets | 81.5045% | 629 |
| Net loans and leases to deposits | 93.0037% | 1,324 |
| Net loans and leases to core deposits | 101.9867% | 1,504 |
| Total domestic deposits to total assets | 87.6357% | 1,200 |
| Equity capital to assets | 11.0940% | 3,018 |
| Core capital (leverage) ratio | 10.8953% | 2,742 |
| Tier 1 risk-based capital ratio | 14.7569% | 2,973 |
| Total risk-based capital ratio | 15.4565% | 3,127 |
| Memoranda: | ||
| Average total assets | $1,536,362,500 | 544 |
| Average earning assets | $1,450,885,500 | 528 |
| Average equity | $166,488,250 | 558 |
| Average total loans | $1,285,980,250 | 470 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5210% | 2,947 |
| Cost of funding earning assets | 0.9179% | 2,064 |
| Net interest margin | 3.6031% | 3,244 |
| Noninterest income to average assets | 0.3933% | 3,311 |
| Noninterest expense to average assets | 2.4250% | 3,673 |
| Loan and lease loss provision to assets | 0.4987% | 236 |
| Net operating income to assets | 0.6416% | 4,190 |
| Return on assets (ROA) | 0.6416% | 4,237 |
| Pretax return on assets | 0.8718% | 3,927 |
| Return on Equity (ROE) | 5.9663% | 4,053 |
| Retained earnings to average equity (ytd only) | -2.0622% | 4,914 |
| Net charge-offs to loans | 0.6908% | 219 |
| Credit loss provision to net charge-offs | 85.6953% | 2,177 |
| Earnings coverage of net charge-offs (x) | 2.3550% | 2,949 |
| Efficiency ratio | 63.7762% | 3,165 |
| Assets per employee ($millions) | 6.6284% | 1,173 |
| Cash dividends to net income (ytd only)* | 134.5652% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 4,847 |
| Loan loss allowance to noncurrent loans | 260.3661% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,656 |
| Noncurrent loans to loans | 0.2356% | 3,697 |
| Net loans and leases to total assets | 82.7779% | 505 |
| Net loans and leases to deposits | 93.8986% | 1,274 |
| Net loans and leases to core deposits | 103.8172% | 1,398 |
| Total domestic deposits to total assets | 88.1567% | 1,026 |
| Equity capital to assets | 10.6162% | 3,419 |
| Core capital (leverage) ratio | 10.4931% | 3,101 |
| Tier 1 risk-based capital ratio | 13.7800% | 3,437 |
| Total risk-based capital ratio | 14.4641% | 3,635 |
| Memoranda: | ||
| Average total assets | $1,552,008,330 | 540 |
| Average earning assets | $1,465,478,330 | 522 |
| Average equity | $166,905,330 | 550 |
| Average total loans | $1,307,456,670 | 459 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 2,921 |
| Cost of funding earning assets | 0.8961% | 2,026 |
| Net interest margin | 3.5883% | 3,297 |
| Noninterest income to average assets | 0.4368% | 2,933 |
| Noninterest expense to average assets | 2.5074% | 3,489 |
| Loan and lease loss provision to assets | -0.0223% | 5,227 |
| Net operating income to assets | 0.9869% | 2,903 |
| Return on assets (ROA) | 0.9869% | 2,940 |
| Pretax return on assets | 1.3418% | 2,282 |
| Return on Equity (ROE) | 9.1198% | 2,758 |
| Retained earnings to average equity (ytd only) | 1.5495% | 4,188 |
| Net charge-offs to loans | 0.0088% | 2,380 |
| Credit loss provision to net charge-offs | -300.0000% | 3,712 |
| Earnings coverage of net charge-offs (x) | 177.7241% | 433 |
| Efficiency ratio | 65.3867% | 3,029 |
| Assets per employee ($millions) | 6.5626% | 1,206 |
| Cash dividends to net income (ytd only)* | 83.0091% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 4,875 |
| Loan loss allowance to noncurrent loans | 579.3343% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1532% | 4,038 |
| Noncurrent loans to loans | 0.1097% | 4,243 |
| Net loans and leases to total assets | 84.7140% | 310 |
| Net loans and leases to deposits | 97.1772% | 872 |
| Net loans and leases to core deposits | 107.8818% | 1,059 |
| Total domestic deposits to total assets | 87.1747% | 1,730 |
| Equity capital to assets | 10.6932% | 3,171 |
| Core capital (leverage) ratio | 10.4472% | 3,116 |
| Tier 1 risk-based capital ratio | 13.8620% | 3,413 |
| Total risk-based capital ratio | 14.5781% | 3,614 |
| Memoranda: | ||
| Average total assets | $1,562,437,000 | 537 |
| Average earning assets | $1,476,146,000 | 522 |
| Average equity | $169,083,000 | 543 |
| Average total loans | $1,323,546,000 | 455 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1665% | 3,539 |
| Cost of funding earning assets | 0.6221% | 2,574 |
| Net interest margin | 3.5443% | 3,562 |
| Noninterest income to average assets | 0.7040% | 1,839 |
| Noninterest expense to average assets | 2.4954% | 3,629 |
| Loan and lease loss provision to assets | 0.0092% | 3,938 |
| Net operating income to assets | 1.1338% | 2,458 |
| Return on assets (ROA) | 1.3053% | 1,761 |
| Pretax return on assets | 1.7573% | 1,033 |
| Return on Equity (ROE) | 11.2180% | 1,996 |
| Retained earnings to average equity (ytd only) | 1.6255% | 4,491 |
| Net charge-offs to loans | 0.0031% | 3,626 |
| Credit loss provision to net charge-offs | 353.6585% | 900 |
| Earnings coverage of net charge-offs (x) | 593.9756% | 182 |
| Efficiency ratio | 61.4046% | 3,641 |
| Assets per employee ($millions) | 6.7062% | 1,111 |
| Cash dividends to net income (ytd only)* | 85.5096% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6358% | 4,915 |
| Loan loss allowance to noncurrent loans | 557.9710% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 3,938 |
| Noncurrent loans to loans | 0.1139% | 4,217 |
| Net loans and leases to total assets | 83.6438% | 446 |
| Net loans and leases to deposits | 96.3090% | 1,043 |
| Net loans and leases to core deposits | 107.8193% | 1,129 |
| Total domestic deposits to total assets | 86.8494% | 1,847 |
| Equity capital to assets | 10.9470% | 2,734 |
| Core capital (leverage) ratio | 11.0299% | 2,498 |
| Tier 1 risk-based capital ratio | 14.5730% | 3,031 |
| Total risk-based capital ratio | 15.2983% | 3,202 |
| Memoranda: | ||
| Average total assets | $1,571,768,400 | 525 |
| Average earning assets | $1,481,500,600 | 505 |
| Average equity | $182,893,200 | 482 |
| Average total loans | $1,302,613,200 | 446 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 3,653 |
| Cost of funding earning assets | 0.5570% | 2,814 |
| Net interest margin | 3.5366% | 3,572 |
| Noninterest income to average assets | 0.5111% | 2,798 |
| Noninterest expense to average assets | 2.4187% | 3,808 |
| Loan and lease loss provision to assets | -0.0219% | 5,241 |
| Net operating income to assets | 1.0883% | 2,719 |
| Return on assets (ROA) | 1.0873% | 2,733 |
| Pretax return on assets | 1.4440% | 2,078 |
| Return on Equity (ROE) | 9.2070% | 3,000 |
| Retained earnings to average equity (ytd only) | 1.3282% | 4,769 |
| Net charge-offs to loans | 0.0005% | 3,478 |
| Credit loss provision to net charge-offs | -5,160.0000% | 4,854 |
| Earnings coverage of net charge-offs (x) | 3,348.0420% | 17 |
| Efficiency ratio | 62.5948% | 3,405 |
| Assets per employee ($millions) | 6.2449% | 1,320 |
| Cash dividends to net income (ytd only)* | 85.5736% | 457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6351% | 4,992 |
| Loan loss allowance to noncurrent loans | 550.4755% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 4,154 |
| Noncurrent loans to loans | 0.1154% | 4,373 |
| Net loans and leases to total assets | 82.8613% | 577 |
| Net loans and leases to deposits | 96.3842% | 1,107 |
| Net loans and leases to core deposits | 105.5210% | 1,346 |
| Total domestic deposits to total assets | 85.9698% | 2,211 |
| Equity capital to assets | 11.8365% | 2,014 |
| Core capital (leverage) ratio | 11.4895% | 2,173 |
| Tier 1 risk-based capital ratio | 15.8805% | 2,487 |
| Total risk-based capital ratio | 16.6108% | 2,641 |
| Memoranda: | ||
| Average total assets | $1,569,046,750 | 520 |
| Average earning assets | $1,477,783,000 | 501 |
| Average equity | $185,303,250 | 477 |
| Average total loans | $1,295,200,750 | 445 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0216% | 3,721 |
| Cost of funding earning assets | 0.5061% | 2,969 |
| Net interest margin | 3.5155% | 3,582 |
| Noninterest income to average assets | 0.5681% | 2,485 |
| Noninterest expense to average assets | 2.4515% | 3,773 |
| Loan and lease loss provision to assets | -0.0297% | 5,339 |
| Net operating income to assets | 1.1108% | 2,542 |
| Return on assets (ROA) | 1.1094% | 2,553 |
| Pretax return on assets | 1.4518% | 1,978 |
| Return on Equity (ROE) | 9.4009% | 2,851 |
| Retained earnings to average equity (ytd only) | 2.4916% | 4,262 |
| Net charge-offs to loans | -0.0074% | 4,211 |
| Credit loss provision to net charge-offs | 489.5833% | 721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7924% | 3,518 |
| Assets per employee ($millions) | 6.2606% | 1,291 |
| Cash dividends to net income (ytd only)* | 73.4959% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6311% | 5,052 |
| Loan loss allowance to noncurrent loans | 497.2036% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 4,073 |
| Noncurrent loans to loans | 0.1269% | 4,341 |
| Net loans and leases to total assets | 82.2818% | 683 |
| Net loans and leases to deposits | 97.5643% | 993 |
| Net loans and leases to core deposits | 106.1044% | 1,236 |
| Total domestic deposits to total assets | 84.3359% | 2,943 |
| Equity capital to assets | 11.6037% | 2,125 |
| Core capital (leverage) ratio | 11.2567% | 2,296 |
| Tier 1 risk-based capital ratio | 15.1207% | 2,814 |
| Total risk-based capital ratio | 15.8259% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,582,058,670 | 515 |
| Average earning assets | $1,488,321,000 | 496 |
| Average equity | $186,704,670 | 470 |
| Average total loans | $1,301,637,670 | 442 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 3,715 |
| Cost of funding earning assets | 0.4630% | 3,102 |
| Net interest margin | 3.5094% | 3,500 |
| Noninterest income to average assets | 0.3745% | 3,632 |
| Noninterest expense to average assets | 2.4163% | 3,904 |
| Loan and lease loss provision to assets | -0.0649% | 5,477 |
| Net operating income to assets | 0.9647% | 3,007 |
| Return on assets (ROA) | 0.9647% | 3,032 |
| Pretax return on assets | 1.3153% | 2,305 |
| Return on Equity (ROE) | 8.1078% | 3,330 |
| Retained earnings to average equity (ytd only) | 1.7670% | 4,426 |
| Net charge-offs to loans | -0.0714% | 5,116 |
| Credit loss provision to net charge-offs | 110.7296% | 1,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0617% | 3,306 |
| Assets per employee ($millions) | 6.5724% | 1,166 |
| Cash dividends to net income (ytd only)* | 78.2065% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 5,107 |
| Loan loss allowance to noncurrent loans | 424.6945% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 3,901 |
| Noncurrent loans to loans | 0.1527% | 4,296 |
| Net loans and leases to total assets | 82.0180% | 663 |
| Net loans and leases to deposits | 98.7242% | 809 |
| Net loans and leases to core deposits | 106.4251% | 1,206 |
| Total domestic deposits to total assets | 83.0779% | 3,643 |
| Equity capital to assets | 12.1739% | 1,676 |
| Core capital (leverage) ratio | 11.6013% | 1,929 |
| Tier 1 risk-based capital ratio | 16.3801% | 2,329 |
| Total risk-based capital ratio | 17.1289% | 2,465 |
| Memoranda: | ||
| Average total assets | $1,590,519,000 | 516 |
| Average earning assets | $1,492,115,500 | 500 |
| Average equity | $189,250,000 | 470 |
| Average total loans | $1,304,455,500 | 448 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 4,282 |
| Cost of funding earning assets | 0.4085% | 3,177 |
| Net interest margin | 3.3151% | 4,113 |
| Noninterest income to average assets | 0.3660% | 3,849 |
| Noninterest expense to average assets | 2.3757% | 4,145 |
| Loan and lease loss provision to assets | -0.0054% | 5,298 |
| Net operating income to assets | 0.6702% | 3,729 |
| Return on assets (ROA) | 0.6702% | 3,777 |
| Pretax return on assets | 1.0953% | 3,203 |
| Return on Equity (ROE) | 5.8199% | 3,834 |
| Retained earnings to average equity (ytd only) | 0.1327% | 4,961 |
| Net charge-offs to loans | -0.0245% | 5,009 |
| Credit loss provision to net charge-offs | 26.6871% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6670% | 2,966 |
| Assets per employee ($millions) | 6.8788% | 1,027 |
| Cash dividends to net income (ytd only)* | 97.7200% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6323% | 5,185 |
| Loan loss allowance to noncurrent loans | 348.8741% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,714 |
| Noncurrent loans to loans | 0.1813% | 4,197 |
| Net loans and leases to total assets | 80.9819% | 838 |
| Net loans and leases to deposits | 96.7659% | 1,018 |
| Net loans and leases to core deposits | 108.1450% | 1,118 |
| Total domestic deposits to total assets | 83.6884% | 3,317 |
| Equity capital to assets | 11.6345% | 2,094 |
| Core capital (leverage) ratio | 11.0825% | 2,257 |
| Tier 1 risk-based capital ratio | 15.7441% | 2,539 |
| Total risk-based capital ratio | 16.4750% | 2,666 |
| Memoranda: | ||
| Average total assets | $1,622,953,800 | 487 |
| Average earning assets | $1,517,482,400 | 473 |
| Average equity | $186,893,800 | 463 |
| Average total loans | $1,331,863,200 | 422 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 4,476 |
| Cost of funding earning assets | 0.3918% | 3,280 |
| Net interest margin | 3.2434% | 4,345 |
| Noninterest income to average assets | 0.3564% | 3,985 |
| Noninterest expense to average assets | 2.4307% | 3,933 |
| Loan and lease loss provision to assets | -0.0012% | 5,435 |
| Net operating income to assets | 0.7125% | 3,909 |
| Return on assets (ROA) | 0.7125% | 3,976 |
| Pretax return on assets | 0.9575% | 3,841 |
| Return on Equity (ROE) | 6.2030% | 4,030 |
| Retained earnings to average equity (ytd only) | 1.1037% | 4,947 |
| Net charge-offs to loans | -0.0262% | 4,946 |
| Credit loss provision to net charge-offs | 5.7252% | 3,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8599% | 2,386 |
| Assets per employee ($millions) | 6.9385% | 976 |
| Cash dividends to net income (ytd only)* | 82.2071% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6231% | 5,285 |
| Loan loss allowance to noncurrent loans | 321.3354% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 3,529 |
| Noncurrent loans to loans | 0.1939% | 4,306 |
| Net loans and leases to total assets | 80.8801% | 859 |
| Net loans and leases to deposits | 96.1951% | 1,102 |
| Net loans and leases to core deposits | 110.7818% | 986 |
| Total domestic deposits to total assets | 84.0792% | 3,095 |
| Equity capital to assets | 11.5170% | 2,349 |
| Core capital (leverage) ratio | 10.9376% | 2,518 |
| Tier 1 risk-based capital ratio | 15.1262% | 2,871 |
| Total risk-based capital ratio | 15.8466% | 3,049 |
| Memoranda: | ||
| Average total assets | $1,622,845,000 | 485 |
| Average earning assets | $1,516,339,500 | 476 |
| Average equity | $186,399,000 | 465 |
| Average total loans | $1,334,074,750 | 425 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6050% | 4,498 |
| Cost of funding earning assets | 0.3775% | 3,310 |
| Net interest margin | 3.2275% | 4,331 |
| Noninterest income to average assets | 0.3771% | 3,856 |
| Noninterest expense to average assets | 2.4822% | 3,802 |
| Loan and lease loss provision to assets | 0.0260% | 3,480 |
| Net operating income to assets | 0.6107% | 4,256 |
| Return on assets (ROA) | 0.6107% | 4,297 |
| Pretax return on assets | 0.8803% | 3,993 |
| Return on Equity (ROE) | 5.3215% | 4,349 |
| Retained earnings to average equity (ytd only) | 0.5369% | 4,969 |
| Net charge-offs to loans | 0.0323% | 2,551 |
| Credit loss provision to net charge-offs | 97.6744% | 2,059 |
| Earnings coverage of net charge-offs (x) | 34.0047% | 1,377 |
| Efficiency ratio | 72.3348% | 2,285 |
| Assets per employee ($millions) | 6.5614% | 1,118 |
| Cash dividends to net income (ytd only)* | 89.9107% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6043% | 5,372 |
| Loan loss allowance to noncurrent loans | 274.1141% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 3,153 |
| Noncurrent loans to loans | 0.2205% | 4,238 |
| Net loans and leases to total assets | 82.4256% | 613 |
| Net loans and leases to deposits | 97.5277% | 935 |
| Net loans and leases to core deposits | 109.3727% | 1,034 |
| Total domestic deposits to total assets | 84.5151% | 3,002 |
| Equity capital to assets | 11.6703% | 2,175 |
| Core capital (leverage) ratio | 10.8947% | 2,514 |
| Tier 1 risk-based capital ratio | 14.8769% | 2,984 |
| Total risk-based capital ratio | 15.5724% | 3,179 |
| Memoranda: | ||
| Average total assets | $1,613,336,000 | 491 |
| Average earning assets | $1,505,299,670 | 480 |
| Average equity | $185,135,670 | 467 |
| Average total loans | $1,330,764,670 | 429 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5810% | 4,471 |
| Cost of funding earning assets | 0.3698% | 3,315 |
| Net interest margin | 3.2112% | 4,306 |
| Noninterest income to average assets | 0.3695% | 3,892 |
| Noninterest expense to average assets | 2.6997% | 3,140 |
| Loan and lease loss provision to assets | 0.0400% | 3,004 |
| Net operating income to assets | 0.5134% | 4,546 |
| Return on assets (ROA) | 0.5134% | 4,577 |
| Pretax return on assets | 0.6207% | 4,681 |
| Return on Equity (ROE) | 4.5125% | 4,593 |
| Retained earnings to average equity (ytd only) | 1.8282% | 4,386 |
| Net charge-offs to loans | 0.0958% | 1,404 |
| Credit loss provision to net charge-offs | 50.7886% | 1,977 |
| Earnings coverage of net charge-offs (x) | 8.3880% | 2,067 |
| Efficiency ratio | 79.3833% | 1,446 |
| Assets per employee ($millions) | 6.6197% | 1,127 |
| Cash dividends to net income (ytd only)* | 59.4869% | 1,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 5,475 |
| Loan loss allowance to noncurrent loans | 331.2968% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 3,293 |
| Noncurrent loans to loans | 0.1813% | 4,475 |
| Net loans and leases to total assets | 82.3545% | 532 |
| Net loans and leases to deposits | 97.7685% | 785 |
| Net loans and leases to core deposits | 109.9500% | 879 |
| Total domestic deposits to total assets | 84.2341% | 3,379 |
| Equity capital to assets | 11.8302% | 1,956 |
| Core capital (leverage) ratio | 10.9417% | 2,419 |
| Tier 1 risk-based capital ratio | 15.0607% | 2,937 |
| Total risk-based capital ratio | 15.7570% | 3,134 |
| Memoranda: | ||
| Average total assets | $1,609,676,500 | 493 |
| Average earning assets | $1,499,265,500 | 485 |
| Average equity | $183,135,500 | 466 |
| Average total loans | $1,324,168,500 | 431 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 4,507 |
| Cost of funding earning assets | 0.3143% | 3,905 |
| Net interest margin | 3.2858% | 4,185 |
| Noninterest income to average assets | 0.4101% | 3,804 |
| Noninterest expense to average assets | 2.5938% | 3,689 |
| Loan and lease loss provision to assets | -0.0156% | 5,507 |
| Net operating income to assets | 0.5418% | 4,467 |
| Return on assets (ROA) | 0.5437% | 4,556 |
| Pretax return on assets | 0.8825% | 3,904 |
| Return on Equity (ROE) | 4.6704% | 4,577 |
| Retained earnings to average equity (ytd only) | -4.7835% | 5,667 |
| Net charge-offs to loans | 0.1056% | 2,211 |
| Credit loss provision to net charge-offs | -18.0377% | 4,765 |
| Earnings coverage of net charge-offs (x) | 10.0060% | 2,695 |
| Efficiency ratio | 74.0280% | 2,289 |
| Assets per employee ($millions) | 6.5748% | 1,112 |
| Cash dividends to net income (ytd only)* | 202.4212% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6152% | 5,502 |
| Loan loss allowance to noncurrent loans | 245.7514% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 3,480 |
| Noncurrent loans to loans | 0.2503% | 4,259 |
| Net loans and leases to total assets | 81.1772% | 717 |
| Net loans and leases to deposits | 96.1864% | 980 |
| Net loans and leases to core deposits | 107.1507% | 1,057 |
| Total domestic deposits to total assets | 84.3957% | 3,274 |
| Equity capital to assets | 10.9285% | 2,687 |
| Core capital (leverage) ratio | 10.2715% | 3,141 |
| Tier 1 risk-based capital ratio | 14.0053% | 3,461 |
| Total risk-based capital ratio | 14.7168% | 3,685 |
| Memoranda: | ||
| Average total assets | $1,534,560,400 | 500 |
| Average earning assets | $1,423,320,800 | 489 |
| Average equity | $178,636,600 | 464 |
| Average total loans | $1,254,307,600 | 428 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6458% | 4,422 |
| Cost of funding earning assets | 0.3039% | 4,055 |
| Net interest margin | 3.3419% | 4,052 |
| Noninterest income to average assets | 0.4021% | 3,910 |
| Noninterest expense to average assets | 2.6401% | 3,539 |
| Loan and lease loss provision to assets | 0.0264% | 3,717 |
| Net operating income to assets | 0.5156% | 4,642 |
| Return on assets (ROA) | 0.5182% | 4,732 |
| Pretax return on assets | 0.8373% | 4,196 |
| Return on Equity (ROE) | 4.3801% | 4,771 |
| Retained earnings to average equity (ytd only) | -7.1836% | 5,797 |
| Net charge-offs to loans | 0.1785% | 1,304 |
| Credit loss provision to net charge-offs | 18.1050% | 3,308 |
| Earnings coverage of net charge-offs (x) | 5.8908% | 3,068 |
| Efficiency ratio | 74.4445% | 2,196 |
| Assets per employee ($millions) | 6.3549% | 1,204 |
| Cash dividends to net income (ytd only)* | 264.0040% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6666% | 5,496 |
| Loan loss allowance to noncurrent loans | 212.6563% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 3,305 |
| Noncurrent loans to loans | 0.3135% | 4,129 |
| Net loans and leases to total assets | 80.7473% | 793 |
| Net loans and leases to deposits | 92.7300% | 1,407 |
| Net loans and leases to core deposits | 102.7358% | 1,432 |
| Total domestic deposits to total assets | 87.0778% | 1,861 |
| Equity capital to assets | 11.3871% | 2,616 |
| Core capital (leverage) ratio | 10.5096% | 2,989 |
| Tier 1 risk-based capital ratio | 14.4446% | 3,311 |
| Total risk-based capital ratio | 15.2133% | 3,499 |
| Memoranda: | ||
| Average total assets | $1,513,852,750 | 506 |
| Average earning assets | $1,403,202,250 | 498 |
| Average equity | $179,106,750 | 469 |
| Average total loans | $1,237,614,750 | 430 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6546% | 4,432 |
| Cost of funding earning assets | 0.2954% | 4,189 |
| Net interest margin | 3.3592% | 4,029 |
| Noninterest income to average assets | 0.3990% | 3,876 |
| Noninterest expense to average assets | 2.7255% | 3,290 |
| Loan and lease loss provision to assets | 0.1096% | 2,042 |
| Net operating income to assets | 0.4178% | 4,982 |
| Return on assets (ROA) | 0.4217% | 5,056 |
| Pretax return on assets | 0.6783% | 4,685 |
| Return on Equity (ROE) | 3.5193% | 5,090 |
| Retained earnings to average equity (ytd only) | -13.1072% | 5,914 |
| Net charge-offs to loans | 0.2596% | 926 |
| Credit loss provision to net charge-offs | 51.5303% | 2,652 |
| Earnings coverage of net charge-offs (x) | 3.6765% | 3,075 |
| Efficiency ratio | 76.7069% | 1,977 |
| Assets per employee ($millions) | 5.9191% | 1,457 |
| Cash dividends to net income (ytd only)* | 472.4409% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 5,450 |
| Loan loss allowance to noncurrent loans | 170.0687% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 2,852 |
| Noncurrent loans to loans | 0.4309% | 3,817 |
| Net loans and leases to total assets | 80.6363% | 805 |
| Net loans and leases to deposits | 92.8294% | 1,416 |
| Net loans and leases to core deposits | 104.1401% | 1,309 |
| Total domestic deposits to total assets | 86.8651% | 1,977 |
| Equity capital to assets | 11.5189% | 2,527 |
| Core capital (leverage) ratio | 10.2495% | 3,271 |
| Tier 1 risk-based capital ratio | 14.2593% | 3,465 |
| Total risk-based capital ratio | 15.0933% | 3,616 |
| Memoranda: | ||
| Average total assets | $1,505,839,000 | 507 |
| Average earning assets | $1,393,357,000 | 500 |
| Average equity | $180,435,330 | 464 |
| Average total loans | $1,233,439,000 | 431 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6749% | 4,408 |
| Cost of funding earning assets | 0.2807% | 4,381 |
| Net interest margin | 3.3942% | 3,892 |
| Noninterest income to average assets | 0.3759% | 4,027 |
| Noninterest expense to average assets | 2.7611% | 3,208 |
| Loan and lease loss provision to assets | -0.1298% | 6,001 |
| Net operating income to assets | 0.5501% | 4,425 |
| Return on assets (ROA) | 0.5579% | 4,482 |
| Pretax return on assets | 0.8956% | 3,857 |
| Return on Equity (ROE) | 4.5682% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.5682% | 3,197 |
| Net charge-offs to loans | -0.0692% | 5,488 |
| Credit loss provision to net charge-offs | 227.9070% | 999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5324% | 1,964 |
| Assets per employee ($millions) | 5.9199% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 5,471 |
| Loan loss allowance to noncurrent loans | 172.3595% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.7348% | 2,880 |
| Noncurrent loans to loans | 0.4399% | 3,864 |
| Net loans and leases to total assets | 81.6441% | 609 |
| Net loans and leases to deposits | 96.0457% | 940 |
| Net loans and leases to core deposits | 106.3297% | 1,057 |
| Total domestic deposits to total assets | 85.0055% | 3,135 |
| Equity capital to assets | 12.3059% | 1,829 |
| Core capital (leverage) ratio | 11.0752% | 2,338 |
| Tier 1 risk-based capital ratio | 14.9771% | 3,172 |
| Total risk-based capital ratio | 15.8314% | 3,287 |
| Memoranda: | ||
| Average total assets | $1,509,993,500 | 507 |
| Average earning assets | $1,396,386,000 | 496 |
| Average equity | $184,403,500 | 455 |
| Average total loans | $1,241,924,500 | 429 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6758% | 4,440 |
| Cost of funding earning assets | 0.2505% | 4,780 |
| Net interest margin | 3.4253% | 3,816 |
| Noninterest income to average assets | 0.4442% | 3,716 |
| Noninterest expense to average assets | 2.7799% | 3,315 |
| Loan and lease loss provision to assets | -0.2201% | 6,003 |
| Net operating income to assets | 0.6098% | 4,222 |
| Return on assets (ROA) | 0.6098% | 4,319 |
| Pretax return on assets | 1.0360% | 3,322 |
| Return on Equity (ROE) | 4.8578% | 4,576 |
| Retained earnings to average equity (ytd only) | -5.9197% | 5,953 |
| Net charge-offs to loans | -0.0765% | 5,701 |
| Credit loss provision to net charge-offs | 353.4730% | 846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2585% | 2,234 |
| Assets per employee ($millions) | 6.0175% | 1,371 |
| Cash dividends to net income (ytd only)* | 221.8595% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 5,462 |
| Loan loss allowance to noncurrent loans | 269.6439% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 2,944 |
| Noncurrent loans to loans | 0.2894% | 4,426 |
| Net loans and leases to total assets | 81.5846% | 631 |
| Net loans and leases to deposits | 99.3893% | 724 |
| Net loans and leases to core deposits | 101.2927% | 1,420 |
| Total domestic deposits to total assets | 82.0859% | 4,149 |
| Equity capital to assets | 12.1185% | 1,868 |
| Core capital (leverage) ratio | 11.3287% | 2,106 |
| Tier 1 risk-based capital ratio | 14.5403% | 3,425 |
| Total risk-based capital ratio | 15.4128% | 3,543 |
| Memoranda: | ||
| Average total assets | $1,456,826,400 | 490 |
| Average earning assets | $1,340,434,800 | 482 |
| Average equity | $182,881,800 | 445 |
| Average total loans | $1,186,272,800 | 418 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6975% | 4,427 |
| Cost of funding earning assets | 0.2494% | 4,884 |
| Net interest margin | 3.4481% | 3,759 |
| Noninterest income to average assets | 0.4430% | 3,770 |
| Noninterest expense to average assets | 2.7459% | 3,398 |
| Loan and lease loss provision to assets | -0.2003% | 6,098 |
| Net operating income to assets | 0.6118% | 4,322 |
| Return on assets (ROA) | 0.6118% | 4,431 |
| Pretax return on assets | 1.0679% | 3,339 |
| Return on Equity (ROE) | 4.8295% | 4,701 |
| Retained earnings to average equity (ytd only) | -8.7818% | 6,107 |
| Net charge-offs to loans | -0.0295% | 5,350 |
| Credit loss provision to net charge-offs | 837.0656% | 430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9284% | 2,412 |
| Assets per employee ($millions) | 5.4147% | 1,859 |
| Cash dividends to net income (ytd only)* | 281.8359% | 47 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 5,326 |
| Loan loss allowance to noncurrent loans | 149.7697% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.8073% | 2,870 |
| Noncurrent loans to loans | 0.5741% | 3,612 |
| Net loans and leases to total assets | 81.3093% | 664 |
| Net loans and leases to deposits | 96.3780% | 969 |
| Net loans and leases to core deposits | 98.2555% | 1,676 |
| Total domestic deposits to total assets | 84.3650% | 3,280 |
| Equity capital to assets | 12.6792% | 1,628 |
| Core capital (leverage) ratio | 11.2709% | 2,225 |
| Tier 1 risk-based capital ratio | 15.2538% | 3,163 |
| Total risk-based capital ratio | 16.2207% | 3,251 |
| Memoranda: | ||
| Average total assets | $1,443,432,000 | 494 |
| Average earning assets | $1,327,244,750 | 489 |
| Average equity | $182,842,500 | 450 |
| Average total loans | $1,172,354,000 | 426 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 4,403 |
| Cost of funding earning assets | 0.2477% | 4,967 |
| Net interest margin | 3.4534% | 3,689 |
| Noninterest income to average assets | 0.4438% | 3,753 |
| Noninterest expense to average assets | 2.7550% | 3,394 |
| Loan and lease loss provision to assets | -0.1674% | 6,154 |
| Net operating income to assets | 0.6262% | 4,229 |
| Return on assets (ROA) | 0.6262% | 4,343 |
| Pretax return on assets | 1.0278% | 3,466 |
| Return on Equity (ROE) | 4.9451% | 4,639 |
| Retained earnings to average equity (ytd only) | -14.1045% | 6,226 |
| Net charge-offs to loans | -0.0055% | 4,763 |
| Credit loss provision to net charge-offs | 3,787.5000% | 112 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1385% | 2,521 |
| Assets per employee ($millions) | 5.4480% | 1,792 |
| Cash dividends to net income (ytd only)* | 385.2228% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 5,197 |
| Loan loss allowance to noncurrent loans | 123.7692% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.9924% | 2,544 |
| Noncurrent loans to loans | 0.7481% | 3,238 |
| Net loans and leases to total assets | 80.4202% | 749 |
| Net loans and leases to deposits | 94.0767% | 1,144 |
| Net loans and leases to core deposits | 95.9230% | 1,809 |
| Total domestic deposits to total assets | 85.4836% | 2,930 |
| Equity capital to assets | 12.4971% | 1,657 |
| Core capital (leverage) ratio | 10.9196% | 2,505 |
| Tier 1 risk-based capital ratio | 14.5268% | 3,619 |
| Total risk-based capital ratio | 15.5365% | 3,693 |
| Memoranda: | ||
| Average total assets | $1,448,083,330 | 496 |
| Average earning assets | $1,329,925,670 | 489 |
| Average equity | $183,374,330 | 453 |
| Average total loans | $1,172,345,670 | 426 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6878% | 4,412 |
| Cost of funding earning assets | 0.2460% | 5,063 |
| Net interest margin | 3.4419% | 3,660 |
| Noninterest income to average assets | 0.3912% | 4,077 |
| Noninterest expense to average assets | 2.7835% | 3,305 |
| Loan and lease loss provision to assets | -0.1993% | 6,264 |
| Net operating income to assets | 0.5872% | 4,333 |
| Return on assets (ROA) | 0.5872% | 4,435 |
| Pretax return on assets | 0.9660% | 3,626 |
| Return on Equity (ROE) | 4.6072% | 4,711 |
| Retained earnings to average equity (ytd only) | -30.8159% | 6,347 |
| Net charge-offs to loans | -0.1056% | 5,875 |
| Credit loss provision to net charge-offs | 233.5484% | 954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2953% | 2,298 |
| Assets per employee ($millions) | 5.4006% | 1,883 |
| Cash dividends to net income (ytd only)* | 768.8701% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 5,066 |
| Loan loss allowance to noncurrent loans | 86.1502% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.3699% | 1,939 |
| Noncurrent loans to loans | 1.1532% | 2,462 |
| Net loans and leases to total assets | 80.0049% | 684 |
| Net loans and leases to deposits | 93.3298% | 1,051 |
| Net loans and leases to core deposits | 95.1842% | 1,683 |
| Total domestic deposits to total assets | 85.7227% | 3,078 |
| Equity capital to assets | 12.3580% | 1,780 |
| Core capital (leverage) ratio | 10.7420% | 2,701 |
| Tier 1 risk-based capital ratio | 14.0764% | 3,959 |
| Total risk-based capital ratio | 15.1435% | 4,018 |
| Memoranda: | ||
| Average total assets | $1,452,985,500 | 490 |
| Average earning assets | $1,333,569,000 | 488 |
| Average equity | $185,190,000 | 448 |
| Average total loans | $1,174,780,000 | 424 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6912% | 4,797 |
| Cost of funding earning assets | 0.2698% | 5,102 |
| Net interest margin | 3.4214% | 4,102 |
| Noninterest income to average assets | 0.4361% | 3,925 |
| Noninterest expense to average assets | 2.9675% | 2,940 |
| Loan and lease loss provision to assets | -0.0509% | 6,042 |
| Net operating income to assets | 2.7949% | 110 |
| Return on assets (ROA) | 2.7944% | 110 |
| Pretax return on assets | 0.7030% | 4,620 |
| Return on Equity (ROE) | 25.0852% | 104 |
| Retained earnings to average equity (ytd only) | 25.0852% | 39 |
| Net charge-offs to loans | 0.1255% | 2,774 |
| Credit loss provision to net charge-offs | -51.5406% | 5,420 |
| Earnings coverage of net charge-offs (x) | 6.6071% | 3,168 |
| Efficiency ratio | 80.8679% | 1,792 |
| Assets per employee ($millions) | 5.4424% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0124% | 4,978 |
| Loan loss allowance to noncurrent loans | 97.6225% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 2,215 |
| Noncurrent loans to loans | 1.0370% | 2,752 |
| Net loans and leases to total assets | 80.0784% | 732 |
| Net loans and leases to deposits | 95.0946% | 982 |
| Net loans and leases to core deposits | 96.8486% | 1,647 |
| Total domestic deposits to total assets | 84.2091% | 3,623 |
| Equity capital to assets | 13.1271% | 1,306 |
| Core capital (leverage) ratio | 11.4516% | 2,009 |
| Tier 1 risk-based capital ratio | 15.1090% | 3,433 |
| Total risk-based capital ratio | 16.2112% | 3,445 |
| Memoranda: | ||
| Average total assets | $1,445,713,600 | 485 |
| Average earning assets | $1,345,390,000 | 473 |
| Average equity | $161,047,200 | 478 |
| Average total loans | $1,137,636,800 | 413 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6805% | 4,914 |
| Cost of funding earning assets | 0.2743% | 5,164 |
| Net interest margin | 3.4062% | 4,214 |
| Noninterest income to average assets | 0.4334% | 3,998 |
| Noninterest expense to average assets | 2.9944% | 2,815 |
| Loan and lease loss provision to assets | 0.0019% | 4,371 |
| Net operating income to assets | 0.6110% | 4,396 |
| Return on assets (ROA) | 0.6103% | 4,488 |
| Pretax return on assets | 0.6176% | 4,974 |
| Return on Equity (ROE) | 5.7390% | 4,373 |
| Retained earnings to average equity (ytd only) | 5.7390% | 2,580 |
| Net charge-offs to loans | 0.1330% | 2,462 |
| Credit loss provision to net charge-offs | 1.7809% | 3,790 |
| Earnings coverage of net charge-offs (x) | 5.9679% | 3,160 |
| Efficiency ratio | 81.7319% | 1,654 |
| Assets per employee ($millions) | 5.2622% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 4,571 |
| Loan loss allowance to noncurrent loans | 85.2895% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 1.4986% | 2,053 |
| Noncurrent loans to loans | 1.3335% | 2,414 |
| Net loans and leases to total assets | 79.8456% | 729 |
| Net loans and leases to deposits | 91.8687% | 1,240 |
| Net loans and leases to core deposits | 93.9089% | 1,876 |
| Total domestic deposits to total assets | 86.9127% | 2,369 |
| Equity capital to assets | 11.0910% | 2,868 |
| Core capital (leverage) ratio | 10.9476% | 2,540 |
| Tier 1 risk-based capital ratio | 14.2757% | 4,038 |
| Total risk-based capital ratio | 15.4763% | 3,993 |
| Memoranda: | ||
| Average total assets | $1,441,139,250 | 481 |
| Average earning assets | $1,345,883,000 | 469 |
| Average equity | $153,263,500 | 496 |
| Average total loans | $1,125,959,500 | 414 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 4,977 |
| Cost of funding earning assets | 0.2776% | 5,218 |
| Net interest margin | 3.3821% | 4,248 |
| Noninterest income to average assets | 0.4535% | 3,846 |
| Noninterest expense to average assets | 3.0166% | 2,774 |
| Loan and lease loss provision to assets | 0.1979% | 1,230 |
| Net operating income to assets | 0.3883% | 5,270 |
| Return on assets (ROA) | 0.3873% | 5,342 |
| Pretax return on assets | 0.3931% | 5,587 |
| Return on Equity (ROE) | 3.6937% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.6937% | 3,842 |
| Net charge-offs to loans | 0.2029% | 1,812 |
| Credit loss provision to net charge-offs | 126.2555% | 1,647 |
| Earnings coverage of net charge-offs (x) | 3.7762% | 3,219 |
| Efficiency ratio | 82.4766% | 1,692 |
| Assets per employee ($millions) | 5.2249% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 3,985 |
| Loan loss allowance to noncurrent loans | 96.7012% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.5706% | 2,075 |
| Noncurrent loans to loans | 1.3202% | 2,603 |
| Net loans and leases to total assets | 77.4984% | 976 |
| Net loans and leases to deposits | 88.7806% | 1,502 |
| Net loans and leases to core deposits | 90.7640% | 2,051 |
| Total domestic deposits to total assets | 87.2920% | 2,300 |
| Equity capital to assets | 10.6496% | 3,258 |
| Core capital (leverage) ratio | 10.4968% | 2,956 |
| Tier 1 risk-based capital ratio | 13.8839% | 4,330 |
| Total risk-based capital ratio | 15.1349% | 4,277 |
| Memoranda: | ||
| Average total assets | $1,447,921,000 | 476 |
| Average earning assets | $1,350,747,330 | 462 |
| Average equity | $151,824,670 | 497 |
| Average total loans | $1,118,781,670 | 414 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5928% | 5,187 |
| Cost of funding earning assets | 0.2826% | 5,249 |
| Net interest margin | 3.3101% | 4,490 |
| Noninterest income to average assets | 0.4254% | 3,983 |
| Noninterest expense to average assets | 3.0509% | 2,693 |
| Loan and lease loss provision to assets | 0.1312% | 1,851 |
| Net operating income to assets | 0.3253% | 5,409 |
| Return on assets (ROA) | 0.3234% | 5,466 |
| Pretax return on assets | 0.3281% | 5,656 |
| Return on Equity (ROE) | 3.1083% | 5,423 |
| Retained earnings to average equity (ytd only) | 3.1083% | 4,255 |
| Net charge-offs to loans | 0.1615% | 1,749 |
| Credit loss provision to net charge-offs | 106.0134% | 1,582 |
| Earnings coverage of net charge-offs (x) | 3.7261% | 2,640 |
| Efficiency ratio | 85.6896% | 1,482 |
| Assets per employee ($millions) | 5.1542% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 4,250 |
| Loan loss allowance to noncurrent loans | 67.3458% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 1,648 |
| Noncurrent loans to loans | 1.8935% | 2,008 |
| Net loans and leases to total assets | 75.8034% | 1,024 |
| Net loans and leases to deposits | 86.3208% | 1,557 |
| Net loans and leases to core deposits | 88.0822% | 2,083 |
| Total domestic deposits to total assets | 87.8159% | 2,329 |
| Equity capital to assets | 10.4729% | 3,269 |
| Core capital (leverage) ratio | 10.3081% | 3,167 |
| Tier 1 risk-based capital ratio | 13.9170% | 4,377 |
| Total risk-based capital ratio | 15.1680% | 4,324 |
| Memoranda: | ||
| Average total assets | $1,450,839,000 | 473 |
| Average earning assets | $1,352,940,000 | 458 |
| Average equity | $150,949,000 | 497 |
| Average total loans | $1,112,150,000 | 413 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6606% | 5,244 |
| Cost of funding earning assets | 0.3152% | 5,469 |
| Net interest margin | 3.3453% | 4,497 |
| Noninterest income to average assets | 0.4995% | 3,759 |
| Noninterest expense to average assets | 3.3696% | 1,946 |
| Loan and lease loss provision to assets | -0.0470% | 6,373 |
| Net operating income to assets | 0.2840% | 5,577 |
| Return on assets (ROA) | 0.2840% | 5,672 |
| Pretax return on assets | 0.2840% | 5,772 |
| Return on Equity (ROE) | 2.8104% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.8104% | 4,244 |
| Net charge-offs to loans | 0.3033% | 2,170 |
| Credit loss provision to net charge-offs | -21.5091% | 5,719 |
| Earnings coverage of net charge-offs (x) | 1.0836% | 4,716 |
| Efficiency ratio | 92.2811% | 858 |
| Assets per employee ($millions) | 4.8284% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 4,279 |
| Loan loss allowance to noncurrent loans | 76.5495% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.7061% | 2,160 |
| Noncurrent loans to loans | 1.6624% | 2,414 |
| Net loans and leases to total assets | 75.5553% | 1,137 |
| Net loans and leases to deposits | 86.1578% | 1,664 |
| Net loans and leases to core deposits | 88.3786% | 2,202 |
| Total domestic deposits to total assets | 87.6941% | 2,365 |
| Equity capital to assets | 10.3358% | 3,358 |
| Core capital (leverage) ratio | 10.1643% | 3,343 |
| Tier 1 risk-based capital ratio | 13.6777% | 4,532 |
| Total risk-based capital ratio | 14.9285% | 4,480 |
| Memoranda: | ||
| Average total assets | $1,460,543,000 | 462 |
| Average earning assets | $1,356,541,000 | 454 |
| Average equity | $147,595,400 | 495 |
| Average total loans | $1,053,144,000 | 416 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 5,263 |
| Cost of funding earning assets | 0.3219% | 5,532 |
| Net interest margin | 3.3428% | 4,488 |
| Noninterest income to average assets | 0.5213% | 3,665 |
| Noninterest expense to average assets | 3.3591% | 1,920 |
| Loan and lease loss provision to assets | 0.0448% | 4,120 |
| Net operating income to assets | 0.2197% | 5,866 |
| Return on assets (ROA) | 0.2197% | 5,945 |
| Pretax return on assets | 0.2197% | 6,011 |
| Return on Equity (ROE) | 2.1868% | 5,882 |
| Retained earnings to average equity (ytd only) | 2.1868% | 5,008 |
| Net charge-offs to loans | 0.3403% | 1,845 |
| Credit loss provision to net charge-offs | 18.5283% | 4,097 |
| Earnings coverage of net charge-offs (x) | 1.0947% | 4,481 |
| Efficiency ratio | 91.5557% | 880 |
| Assets per employee ($millions) | 4.6813% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5102% | 3,415 |
| Loan loss allowance to noncurrent loans | 58.7500% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.2489% | 1,763 |
| Noncurrent loans to loans | 2.5706% | 1,668 |
| Net loans and leases to total assets | 71.8070% | 1,626 |
| Net loans and leases to deposits | 81.7618% | 2,167 |
| Net loans and leases to core deposits | 83.5206% | 2,705 |
| Total domestic deposits to total assets | 87.8247% | 2,232 |
| Equity capital to assets | 10.2816% | 3,531 |
| Core capital (leverage) ratio | 10.0967% | 3,524 |
| Tier 1 risk-based capital ratio | 14.3301% | 4,198 |
| Total risk-based capital ratio | 15.5842% | 4,139 |
| Memoranda: | ||
| Average total assets | $1,462,343,250 | 466 |
| Average earning assets | $1,357,136,250 | 452 |
| Average equity | $146,940,500 | 502 |
| Average total loans | $1,038,372,250 | 420 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 5,169 |
| Cost of funding earning assets | 0.3286% | 5,578 |
| Net interest margin | 3.3630% | 4,330 |
| Noninterest income to average assets | 0.5892% | 3,260 |
| Noninterest expense to average assets | 3.4155% | 1,788 |
| Loan and lease loss provision to assets | 0.1263% | 2,743 |
| Net operating income to assets | 0.1638% | 5,992 |
| Return on assets (ROA) | 0.1638% | 6,109 |
| Pretax return on assets | 0.1638% | 6,141 |
| Return on Equity (ROE) | 1.6423% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.6423% | 5,205 |
| Net charge-offs to loans | 0.3609% | 1,760 |
| Credit loss provision to net charge-offs | 49.7320% | 3,218 |
| Earnings coverage of net charge-offs (x) | 1.1420% | 4,156 |
| Efficiency ratio | 91.0474% | 975 |
| Assets per employee ($millions) | 4.7435% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6604% | 2,935 |
| Loan loss allowance to noncurrent loans | 56.2457% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 1,689 |
| Noncurrent loans to loans | 2.9521% | 1,515 |
| Net loans and leases to total assets | 69.3080% | 2,017 |
| Net loans and leases to deposits | 78.8833% | 2,471 |
| Net loans and leases to core deposits | 80.6278% | 2,963 |
| Total domestic deposits to total assets | 87.8614% | 2,348 |
| Equity capital to assets | 10.0612% | 3,838 |
| Core capital (leverage) ratio | 9.8557% | 3,709 |
| Tier 1 risk-based capital ratio | 14.4797% | 4,111 |
| Total risk-based capital ratio | 15.7359% | 4,069 |
| Memoranda: | ||
| Average total assets | $1,469,176,000 | 463 |
| Average earning assets | $1,361,460,000 | 451 |
| Average equity | $146,505,670 | 504 |
| Average total loans | $1,034,089,000 | 418 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 4,988 |
| Cost of funding earning assets | 0.3370% | 5,661 |
| Net interest margin | 3.4137% | 4,067 |
| Noninterest income to average assets | 0.7727% | 2,241 |
| Noninterest expense to average assets | 3.4946% | 1,634 |
| Loan and lease loss provision to assets | 0.1960% | 1,888 |
| Net operating income to assets | 0.2392% | 5,764 |
| Return on assets (ROA) | 0.2392% | 5,888 |
| Pretax return on assets | 0.2392% | 5,991 |
| Return on Equity (ROE) | 2.4094% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.4094% | 4,824 |
| Net charge-offs to loans | 0.5033% | 1,199 |
| Credit loss provision to net charge-offs | 55.3681% | 2,520 |
| Earnings coverage of net charge-offs (x) | 1.2293% | 3,416 |
| Efficiency ratio | 87.8472% | 1,344 |
| Assets per employee ($millions) | 4.2247% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 2,972 |
| Loan loss allowance to noncurrent loans | 58.3947% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 2.5905% | 1,766 |
| Noncurrent loans to loans | 2.9247% | 1,718 |
| Net loans and leases to total assets | 68.5190% | 1,918 |
| Net loans and leases to deposits | 77.6802% | 2,386 |
| Net loans and leases to core deposits | 79.4705% | 2,870 |
| Total domestic deposits to total assets | 88.2065% | 2,191 |
| Equity capital to assets | 10.0096% | 4,141 |
| Core capital (leverage) ratio | 9.7711% | 3,695 |
| Tier 1 risk-based capital ratio | 14.5854% | 4,119 |
| Total risk-based capital ratio | 15.8431% | 4,072 |
| Memoranda: | ||
| Average total assets | $1,473,262,500 | 464 |
| Average earning assets | $1,362,492,000 | 450 |
| Average equity | $146,261,000 | 512 |
| Average total loans | $1,036,289,000 | 415 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3773% | 3,915 |
| Cost of funding earning assets | 0.3662% | 6,124 |
| Net interest margin | 4.0111% | 2,355 |
| Noninterest income to average assets | 0.1682% | 6,186 |
| Noninterest expense to average assets | 3.4932% | 1,826 |
| Loan and lease loss provision to assets | 2.0707% | 90 |
| Net operating income to assets | -1.7197% | 6,903 |
| Return on assets (ROA) | -1.7197% | 6,913 |
| Pretax return on assets | -1.7197% | 6,896 |
| Return on Equity (ROE) | -15.6472% | 6,832 |
| Retained earnings to average equity (ytd only) | -15.6472% | 6,783 |
| Net charge-offs to loans | 3.9156% | 78 |
| Credit loss provision to net charge-offs | 69.7189% | 4,177 |
| Earnings coverage of net charge-offs (x) | 0.1182% | 5,432 |
| Efficiency ratio | 89.7879% | 1,085 |
| Assets per employee ($millions) | 4.2062% | 3,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7165% | 2,874 |
| Loan loss allowance to noncurrent loans | 63.3274% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 2.6231% | 1,855 |
| Noncurrent loans to loans | 2.7106% | 1,950 |
| Net loans and leases to total assets | 69.7456% | 1,895 |
| Net loans and leases to deposits | 79.1449% | 2,383 |
| Net loans and leases to core deposits | 81.0678% | 2,872 |
| Total domestic deposits to total assets | 88.1239% | 2,153 |
| Equity capital to assets | 9.8466% | 4,384 |
| Core capital (leverage) ratio | 9.5972% | 3,969 |
| Tier 1 risk-based capital ratio | 14.0656% | 4,333 |
| Total risk-based capital ratio | 15.3236% | 4,287 |
| Memoranda: | ||
| Average total assets | $1,522,261,200 | 447 |
| Average earning assets | $1,395,076,600 | 438 |
| Average equity | $167,301,200 | 446 |
| Average total loans | $1,154,702,800 | 381 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 3,693 |
| Cost of funding earning assets | 0.3692% | 6,282 |
| Net interest margin | 4.1161% | 2,033 |
| Noninterest income to average assets | 0.2000% | 6,099 |
| Noninterest expense to average assets | 3.4552% | 1,872 |
| Loan and lease loss provision to assets | 0.6258% | 848 |
| Net operating income to assets | -0.1148% | 6,416 |
| Return on assets (ROA) | -0.1148% | 6,505 |
| Pretax return on assets | -0.1148% | 6,486 |
| Return on Equity (ROE) | -1.0192% | 6,506 |
| Retained earnings to average equity (ytd only) | -1.0192% | 6,281 |
| Net charge-offs to loans | 2.0701% | 336 |
| Credit loss provision to net charge-offs | 39.2429% | 4,631 |
| Earnings coverage of net charge-offs (x) | 0.3204% | 5,166 |
| Efficiency ratio | 86.0724% | 1,370 |
| Assets per employee ($millions) | 4.3210% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8689% | 2,585 |
| Loan loss allowance to noncurrent loans | 33.6224% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 5.0839% | 876 |
| Noncurrent loans to loans | 5.5584% | 768 |
| Net loans and leases to total assets | 72.0994% | 1,536 |
| Net loans and leases to deposits | 83.3909% | 1,942 |
| Net loans and leases to core deposits | 85.2787% | 2,552 |
| Total domestic deposits to total assets | 86.4596% | 3,011 |
| Equity capital to assets | 11.3866% | 2,862 |
| Core capital (leverage) ratio | 11.1261% | 2,277 |
| Tier 1 risk-based capital ratio | 15.6964% | 3,425 |
| Total risk-based capital ratio | 16.9564% | 3,384 |
| Memoranda: | ||
| Average total assets | $1,532,684,500 | 436 |
| Average earning assets | $1,402,379,250 | 432 |
| Average equity | $172,680,250 | 434 |
| Average total loans | $1,180,712,000 | 372 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 3,242 |
| Cost of funding earning assets | 0.3803% | 6,376 |
| Net interest margin | 4.2469% | 1,615 |
| Noninterest income to average assets | 0.3096% | 5,338 |
| Noninterest expense to average assets | 3.3854% | 2,066 |
| Loan and lease loss provision to assets | 0.3556% | 1,857 |
| Net operating income to assets | 0.4454% | 5,054 |
| Return on assets (ROA) | 0.4454% | 5,287 |
| Pretax return on assets | 0.4471% | 5,585 |
| Return on Equity (ROE) | 3.9670% | 5,275 |
| Retained earnings to average equity (ytd only) | 3.9670% | 3,972 |
| Net charge-offs to loans | 0.5953% | 1,826 |
| Credit loss provision to net charge-offs | 76.3986% | 3,421 |
| Earnings coverage of net charge-offs (x) | 1.7245% | 4,121 |
| Efficiency ratio | 79.8441% | 2,208 |
| Assets per employee ($millions) | 4.3461% | 3,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6843% | 1,058 |
| Loan loss allowance to noncurrent loans | 41.7451% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 5.9771% | 714 |
| Noncurrent loans to loans | 6.4303% | 657 |
| Net loans and leases to total assets | 73.5920% | 1,309 |
| Net loans and leases to deposits | 85.3725% | 1,676 |
| Net loans and leases to core deposits | 87.0154% | 2,311 |
| Total domestic deposits to total assets | 86.2011% | 3,247 |
| Equity capital to assets | 11.5046% | 2,594 |
| Core capital (leverage) ratio | 11.2514% | 2,084 |
| Tier 1 risk-based capital ratio | 15.4025% | 3,503 |
| Total risk-based capital ratio | 16.6719% | 3,458 |
| Memoranda: | ||
| Average total assets | $1,543,788,000 | 437 |
| Average earning assets | $1,409,873,000 | 433 |
| Average equity | $173,331,000 | 434 |
| Average total loans | $1,207,073,330 | 367 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7221% | 2,963 |
| Cost of funding earning assets | 0.3969% | 6,424 |
| Net interest margin | 4.3252% | 1,391 |
| Noninterest income to average assets | 0.5029% | 3,889 |
| Noninterest expense to average assets | 3.4238% | 1,947 |
| Loan and lease loss provision to assets | 0.2562% | 2,406 |
| Net operating income to assets | 0.6407% | 4,165 |
| Return on assets (ROA) | 0.6407% | 4,373 |
| Pretax return on assets | 0.7614% | 4,567 |
| Return on Equity (ROE) | 5.7763% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.7763% | 3,090 |
| Net charge-offs to loans | 0.3510% | 2,249 |
| Credit loss provision to net charge-offs | 91.8819% | 2,514 |
| Earnings coverage of net charge-offs (x) | 3.6494% | 2,786 |
| Efficiency ratio | 76.1452% | 2,764 |
| Assets per employee ($millions) | 4.3850% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6150% | 1,206 |
| Loan loss allowance to noncurrent loans | 40.0456% | 5,613 |
| Noncurrent assets plus other real estate owned to assets | 6.3936% | 711 |
| Noncurrent loans to loans | 6.5300% | 730 |
| Net loans and leases to total assets | 76.1191% | 785 |
| Net loans and leases to deposits | 87.9112% | 1,180 |
| Net loans and leases to core deposits | 89.8654% | 1,859 |
| Total domestic deposits to total assets | 86.5864% | 3,182 |
| Equity capital to assets | 11.2286% | 2,694 |
| Core capital (leverage) ratio | 10.9709% | 2,280 |
| Tier 1 risk-based capital ratio | 14.2927% | 4,244 |
| Total risk-based capital ratio | 15.5605% | 4,208 |
| Memoranda: | ||
| Average total assets | $1,555,118,000 | 432 |
| Average earning assets | $1,416,061,000 | 429 |
| Average equity | $172,497,000 | 431 |
| Average total loans | $1,235,456,500 | 357 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 3,725 |
| Cost of funding earning assets | 0.5231% | 6,445 |
| Net interest margin | 4.2953% | 1,710 |
| Noninterest income to average assets | 0.2355% | 5,850 |
| Noninterest expense to average assets | 4.9107% | 402 |
| Loan and lease loss provision to assets | 1.4044% | 552 |
| Net operating income to assets | -2.9659% | 7,170 |
| Return on assets (ROA) | -2.9659% | 7,178 |
| Pretax return on assets | -2.2167% | 7,067 |
| Return on Equity (ROE) | -22.9370% | 7,025 |
| Retained earnings to average equity (ytd only) | -22.9370% | 7,012 |
| Net charge-offs to loans | 1.0544% | 1,643 |
| Credit loss provision to net charge-offs | 172.4444% | 1,537 |
| Earnings coverage of net charge-offs (x) | -0.9973% | 6,192 |
| Efficiency ratio | 81.2864% | 2,120 |
| Assets per employee ($millions) | 4.3763% | 3,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5159% | 1,294 |
| Loan loss allowance to noncurrent loans | 41.3492% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 6.3353% | 753 |
| Noncurrent loans to loans | 6.0844% | 806 |
| Net loans and leases to total assets | 78.6835% | 636 |
| Net loans and leases to deposits | 90.6965% | 1,078 |
| Net loans and leases to core deposits | 92.7021% | 1,820 |
| Total domestic deposits to total assets | 86.7547% | 2,895 |
| Equity capital to assets | 10.9571% | 3,019 |
| Core capital (leverage) ratio | 10.4820% | 2,751 |
| Tier 1 risk-based capital ratio | 13.4504% | 4,733 |
| Total risk-based capital ratio | 14.7168% | 4,687 |
| Memoranda: | ||
| Average total assets | $1,617,932,600 | 407 |
| Average earning assets | $1,455,070,200 | 409 |
| Average equity | $209,207,800 | 339 |
| Average total loans | $1,249,734,400 | 345 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 4,054 |
| Cost of funding earning assets | 0.5514% | 6,507 |
| Net interest margin | 4.2404% | 1,944 |
| Noninterest income to average assets | 0.3690% | 4,921 |
| Noninterest expense to average assets | 3.4303% | 2,116 |
| Loan and lease loss provision to assets | 1.0608% | 789 |
| Net operating income to assets | -0.1110% | 6,296 |
| Return on assets (ROA) | -0.1110% | 6,378 |
| Pretax return on assets | -0.3173% | 6,508 |
| Return on Equity (ROE) | -0.8285% | 6,355 |
| Retained earnings to average equity (ytd only) | -0.8285% | 6,123 |
| Net charge-offs to loans | 0.6827% | 2,206 |
| Credit loss provision to net charge-offs | 203.3359% | 1,440 |
| Earnings coverage of net charge-offs (x) | 1.4252% | 4,560 |
| Efficiency ratio | 79.5979% | 2,322 |
| Assets per employee ($millions) | 4.5347% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2134% | 1,829 |
| Loan loss allowance to noncurrent loans | 36.5008% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 6.3167% | 827 |
| Noncurrent loans to loans | 6.0639% | 917 |
| Net loans and leases to total assets | 77.8814% | 718 |
| Net loans and leases to deposits | 92.2716% | 992 |
| Net loans and leases to core deposits | 94.3888% | 1,757 |
| Total domestic deposits to total assets | 84.4045% | 4,049 |
| Equity capital to assets | 13.3415% | 1,446 |
| Core capital (leverage) ratio | 10.9062% | 2,468 |
| Tier 1 risk-based capital ratio | 13.5792% | 4,676 |
| Total risk-based capital ratio | 14.8412% | 4,634 |
| Memoranda: | ||
| Average total assets | $1,631,829,250 | 407 |
| Average earning assets | $1,464,188,250 | 406 |
| Average equity | $218,712,750 | 329 |
| Average total loans | $1,246,909,250 | 348 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6979% | 4,543 |
| Cost of funding earning assets | 0.5800% | 6,542 |
| Net interest margin | 4.1179% | 2,348 |
| Noninterest income to average assets | 0.3105% | 5,407 |
| Noninterest expense to average assets | 3.2949% | 2,588 |
| Loan and lease loss provision to assets | 0.7445% | 1,254 |
| Net operating income to assets | 0.0565% | 6,101 |
| Return on assets (ROA) | 0.0565% | 6,182 |
| Pretax return on assets | -0.0294% | 6,292 |
| Return on Equity (ROE) | 0.4210% | 6,210 |
| Retained earnings to average equity (ytd only) | 0.4210% | 5,678 |
| Net charge-offs to loans | 0.6552% | 2,207 |
| Credit loss provision to net charge-offs | 150.8319% | 2,025 |
| Earnings coverage of net charge-offs (x) | 1.4487% | 4,199 |
| Efficiency ratio | 79.5623% | 2,455 |
| Assets per employee ($millions) | 4.2712% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,964 |
| Loan loss allowance to noncurrent loans | 26.5964% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 4.8720% | 1,265 |
| Noncurrent loans to loans | 4.1292% | 1,656 |
| Net loans and leases to total assets | 77.7247% | 812 |
| Net loans and leases to deposits | 92.0795% | 1,053 |
| Net loans and leases to core deposits | 94.3055% | 1,860 |
| Total domestic deposits to total assets | 84.4104% | 4,165 |
| Equity capital to assets | 13.2124% | 1,427 |
| Core capital (leverage) ratio | 11.2820% | 2,056 |
| Tier 1 risk-based capital ratio | 13.9029% | 4,233 |
| Total risk-based capital ratio | 14.9907% | 4,324 |
| Memoranda: | ||
| Average total assets | $1,631,607,000 | 412 |
| Average earning assets | $1,465,854,670 | 412 |
| Average equity | $219,017,330 | 332 |
| Average total loans | $1,229,149,330 | 353 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2290% | 6,211 |
| Cost of funding earning assets | 0.5957% | 6,625 |
| Net interest margin | 3.6333% | 4,408 |
| Noninterest income to average assets | 0.3120% | 5,434 |
| Noninterest expense to average assets | 3.3363% | 2,453 |
| Loan and lease loss provision to assets | 0.6440% | 1,339 |
| Net operating income to assets | -0.1702% | 6,531 |
| Return on assets (ROA) | -0.1702% | 6,549 |
| Pretax return on assets | -0.3981% | 6,684 |
| Return on Equity (ROE) | -1.2580% | 6,518 |
| Retained earnings to average equity (ytd only) | -1.2580% | 6,038 |
| Net charge-offs to loans | 0.6872% | 1,841 |
| Credit loss provision to net charge-offs | 127.2239% | 2,171 |
| Earnings coverage of net charge-offs (x) | 0.4858% | 4,254 |
| Efficiency ratio | 90.4959% | 1,294 |
| Assets per employee ($millions) | 4.4258% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 6,401 |
| Loan loss allowance to noncurrent loans | 25.4353% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 4.3662% | 1,496 |
| Noncurrent loans to loans | 3.9290% | 1,865 |
| Net loans and leases to total assets | 76.4305% | 976 |
| Net loans and leases to deposits | 90.1649% | 1,212 |
| Net loans and leases to core deposits | 92.7618% | 2,039 |
| Total domestic deposits to total assets | 84.7675% | 4,141 |
| Equity capital to assets | 12.8093% | 1,469 |
| Core capital (leverage) ratio | 11.0501% | 2,154 |
| Tier 1 risk-based capital ratio | 13.6540% | 4,327 |
| Total risk-based capital ratio | 14.6270% | 4,506 |
| Memoranda: | ||
| Average total assets | $1,616,658,500 | 420 |
| Average earning assets | $1,455,092,500 | 419 |
| Average equity | $218,764,000 | 330 |
| Average total loans | $1,190,854,500 | 368 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 5,981 |
| Cost of funding earning assets | 0.9887% | 5,742 |
| Net interest margin | 3.6532% | 4,559 |
| Noninterest income to average assets | 0.3267% | 5,449 |
| Noninterest expense to average assets | 3.1260% | 3,363 |
| Loan and lease loss provision to assets | 0.9172% | 1,783 |
| Net operating income to assets | -0.2533% | 6,168 |
| Return on assets (ROA) | -0.2521% | 6,221 |
| Pretax return on assets | -0.4135% | 6,252 |
| Return on Equity (ROE) | -1.7725% | 6,144 |
| Retained earnings to average equity (ytd only) | -1.7725% | 5,927 |
| Net charge-offs to loans | 1.1264% | 1,980 |
| Credit loss provision to net charge-offs | 110.9584% | 3,965 |
| Earnings coverage of net charge-offs (x) | 0.6070% | 5,497 |
| Efficiency ratio | 83.3434% | 2,007 |
| Assets per employee ($millions) | 4.6628% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1975% | 5,524 |
| Loan loss allowance to noncurrent loans | 34.4142% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 3.3819% | 2,070 |
| Noncurrent loans to loans | 3.4796% | 2,175 |
| Net loans and leases to total assets | 68.8820% | 2,775 |
| Net loans and leases to deposits | 83.5144% | 2,529 |
| Net loans and leases to core deposits | 85.7378% | 3,356 |
| Total domestic deposits to total assets | 82.4793% | 5,026 |
| Equity capital to assets | 14.3369% | 947 |
| Core capital (leverage) ratio | 12.4760% | 1,324 |
| Tier 1 risk-based capital ratio | 17.2046% | 2,272 |
| Total risk-based capital ratio | 18.3819% | 2,264 |
| Memoranda: | ||
| Average total assets | $1,557,600,400 | 441 |
| Average earning assets | $1,407,461,600 | 440 |
| Average equity | $221,495,200 | 321 |
| Average total loans | $1,143,080,800 | 390 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 6,048 |
| Cost of funding earning assets | 1.0637% | 5,629 |
| Net interest margin | 3.6289% | 4,733 |
| Noninterest income to average assets | 0.3276% | 5,536 |
| Noninterest expense to average assets | 3.0836% | 3,407 |
| Loan and lease loss provision to assets | 0.3353% | 3,922 |
| Net operating income to assets | 0.1226% | 5,709 |
| Return on assets (ROA) | 0.1243% | 5,869 |
| Pretax return on assets | 0.1934% | 5,744 |
| Return on Equity (ROE) | 0.8760% | 5,923 |
| Retained earnings to average equity (ytd only) | 0.8760% | 5,451 |
| Net charge-offs to loans | 0.5007% | 3,279 |
| Credit loss provision to net charge-offs | 90.1489% | 4,758 |
| Earnings coverage of net charge-offs (x) | 1.4144% | 4,668 |
| Efficiency ratio | 82.5850% | 1,998 |
| Assets per employee ($millions) | 4.8001% | 2,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,600 |
| Loan loss allowance to noncurrent loans | 30.7618% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 3.4304% | 2,071 |
| Noncurrent loans to loans | 3.8294% | 2,002 |
| Net loans and leases to total assets | 70.1798% | 2,694 |
| Net loans and leases to deposits | 85.3690% | 2,456 |
| Net loans and leases to core deposits | 88.1885% | 3,344 |
| Total domestic deposits to total assets | 82.2076% | 4,909 |
| Equity capital to assets | 14.2689% | 1,094 |
| Core capital (leverage) ratio | 12.7041% | 1,331 |
| Tier 1 risk-based capital ratio | 17.3891% | 2,210 |
| Total risk-based capital ratio | 18.5561% | 2,200 |
| Memoranda: | ||
| Average total assets | $1,564,650,500 | 434 |
| Average earning assets | $1,415,091,500 | 434 |
| Average equity | $222,051,750 | 313 |
| Average total loans | $1,162,288,500 | 389 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 5,815 |
| Cost of funding earning assets | 1.1298% | 5,522 |
| Net interest margin | 3.6642% | 4,525 |
| Noninterest income to average assets | 0.3295% | 5,522 |
| Noninterest expense to average assets | 3.0582% | 3,479 |
| Loan and lease loss provision to assets | 0.4499% | 3,077 |
| Net operating income to assets | 0.0792% | 5,925 |
| Return on assets (ROA) | 0.0818% | 6,023 |
| Pretax return on assets | 0.1322% | 5,919 |
| Return on Equity (ROE) | 0.5772% | 6,067 |
| Retained earnings to average equity (ytd only) | 0.5772% | 5,532 |
| Net charge-offs to loans | 0.6977% | 2,473 |
| Credit loss provision to net charge-offs | 85.5474% | 4,554 |
| Earnings coverage of net charge-offs (x) | 1.0993% | 4,691 |
| Efficiency ratio | 81.2724% | 2,264 |
| Assets per employee ($millions) | 4.6291% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 5,739 |
| Loan loss allowance to noncurrent loans | 30.2247% | 6,355 |
| Noncurrent assets plus other real estate owned to assets | 3.2219% | 2,192 |
| Noncurrent loans to loans | 3.7728% | 2,054 |
| Net loans and leases to total assets | 71.8476% | 2,445 |
| Net loans and leases to deposits | 87.6924% | 2,229 |
| Net loans and leases to core deposits | 91.3014% | 3,083 |
| Total domestic deposits to total assets | 81.9313% | 5,015 |
| Equity capital to assets | 14.2052% | 1,103 |
| Core capital (leverage) ratio | 12.7412% | 1,310 |
| Tier 1 risk-based capital ratio | 16.9405% | 2,303 |
| Total risk-based capital ratio | 18.0621% | 2,304 |
| Memoranda: | ||
| Average total assets | $1,562,994,000 | 436 |
| Average earning assets | $1,410,560,330 | 436 |
| Average equity | $221,413,000 | 316 |
| Average total loans | $1,178,155,670 | 388 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8920% | 5,499 |
| Cost of funding earning assets | 1.1549% | 5,636 |
| Net interest margin | 3.7371% | 4,066 |
| Noninterest income to average assets | 0.3313% | 5,492 |
| Noninterest expense to average assets | 3.1482% | 3,063 |
| Loan and lease loss provision to assets | 0.2179% | 4,323 |
| Net operating income to assets | 0.2097% | 5,650 |
| Return on assets (ROA) | 0.2097% | 5,769 |
| Pretax return on assets | 0.3349% | 5,508 |
| Return on Equity (ROE) | 1.4824% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.4824% | 5,205 |
| Net charge-offs to loans | 0.4969% | 2,573 |
| Credit loss provision to net charge-offs | 57.1525% | 4,356 |
| Earnings coverage of net charge-offs (x) | 1.4500% | 3,870 |
| Efficiency ratio | 82.2610% | 2,245 |
| Assets per employee ($millions) | 4.4262% | 3,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,964 |
| Loan loss allowance to noncurrent loans | 31.0442% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 3.1138% | 2,296 |
| Noncurrent loans to loans | 3.5725% | 2,234 |
| Net loans and leases to total assets | 73.9652% | 1,978 |
| Net loans and leases to deposits | 91.2118% | 1,728 |
| Net loans and leases to core deposits | 96.8941% | 2,472 |
| Total domestic deposits to total assets | 81.0918% | 5,426 |
| Equity capital to assets | 14.2388% | 1,084 |
| Core capital (leverage) ratio | 12.6721% | 1,338 |
| Tier 1 risk-based capital ratio | 16.3238% | 2,517 |
| Total risk-based capital ratio | 17.4128% | 2,540 |
| Memoranda: | ||
| Average total assets | $1,562,166,500 | 448 |
| Average earning assets | $1,408,582,500 | 447 |
| Average equity | $220,988,500 | 319 |
| Average total loans | $1,198,669,000 | 396 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2629% | 5,354 |
| Cost of funding earning assets | 1.5426% | 5,325 |
| Net interest margin | 3.7203% | 4,044 |
| Noninterest income to average assets | 0.4655% | 4,679 |
| Noninterest expense to average assets | 3.2101% | 3,342 |
| Loan and lease loss provision to assets | 0.5888% | 3,439 |
| Net operating income to assets | 0.0234% | 5,420 |
| Return on assets (ROA) | -0.0398% | 5,591 |
| Pretax return on assets | -0.0363% | 5,502 |
| Return on Equity (ROE) | -0.2851% | 5,584 |
| Retained earnings to average equity (ytd only) | -0.2851% | 5,016 |
| Net charge-offs to loans | 0.5746% | 3,495 |
| Credit loss provision to net charge-offs | 126.3822% | 4,119 |
| Earnings coverage of net charge-offs (x) | 1.3214% | 4,807 |
| Efficiency ratio | 81.0856% | 2,736 |
| Assets per employee ($millions) | 4.2105% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1008% | 5,896 |
| Loan loss allowance to noncurrent loans | 30.4251% | 6,439 |
| Noncurrent assets plus other real estate owned to assets | 3.1066% | 2,235 |
| Noncurrent loans to loans | 3.6180% | 2,083 |
| Net loans and leases to total assets | 77.7915% | 1,432 |
| Net loans and leases to deposits | 95.9503% | 1,337 |
| Net loans and leases to core deposits | 107.9483% | 3,106 |
| Total domestic deposits to total assets | 81.0748% | 5,318 |
| Equity capital to assets | 14.0542% | 1,153 |
| Core capital (leverage) ratio | 12.4401% | 1,479 |
| Tier 1 risk-based capital ratio | 15.3098% | 2,796 |
| Total risk-based capital ratio | 16.3963% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,564,668,800 | 437 |
| Average earning assets | $1,413,205,600 | 445 |
| Average equity | $218,163,400 | 331 |
| Average total loans | $1,268,580,000 | 389 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3099% | 5,371 |
| Cost of funding earning assets | 1.6030% | 5,387 |
| Net interest margin | 3.7069% | 4,039 |
| Noninterest income to average assets | 0.3765% | 5,497 |
| Noninterest expense to average assets | 3.1275% | 3,548 |
| Loan and lease loss provision to assets | 0.4278% | 3,762 |
| Net operating income to assets | 0.0817% | 5,522 |
| Return on assets (ROA) | 0.0817% | 5,569 |
| Pretax return on assets | 0.1730% | 5,357 |
| Return on Equity (ROE) | 0.5868% | 5,621 |
| Retained earnings to average equity (ytd only) | 0.5868% | 4,959 |
| Net charge-offs to loans | 0.4440% | 3,462 |
| Credit loss provision to net charge-offs | 117.9553% | 4,308 |
| Earnings coverage of net charge-offs (x) | 1.6566% | 4,549 |
| Efficiency ratio | 80.9744% | 2,712 |
| Assets per employee ($millions) | 4.2089% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 6,334 |
| Loan loss allowance to noncurrent loans | 32.3517% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 2.5471% | 2,725 |
| Noncurrent loans to loans | 3.0732% | 2,461 |
| Net loans and leases to total assets | 78.4616% | 1,492 |
| Net loans and leases to deposits | 98.7743% | 1,233 |
| Net loans and leases to core deposits | 111.8706% | 3,035 |
| Total domestic deposits to total assets | 79.4352% | 5,647 |
| Equity capital to assets | 14.0593% | 1,288 |
| Core capital (leverage) ratio | 12.2542% | 1,681 |
| Tier 1 risk-based capital ratio | 14.9988% | 3,040 |
| Total risk-based capital ratio | 15.9845% | 3,112 |
| Memoranda: | ||
| Average total assets | $1,564,255,000 | 450 |
| Average earning assets | $1,414,398,000 | 459 |
| Average equity | $217,670,500 | 344 |
| Average total loans | $1,277,717,750 | 401 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3576% | 5,366 |
| Cost of funding earning assets | 1.6821% | 5,356 |
| Net interest margin | 3.6755% | 4,061 |
| Noninterest income to average assets | 0.3810% | 5,457 |
| Noninterest expense to average assets | 3.2038% | 3,329 |
| Loan and lease loss provision to assets | 0.5370% | 2,885 |
| Net operating income to assets | -0.0527% | 5,926 |
| Return on assets (ROA) | -0.0527% | 5,995 |
| Pretax return on assets | -0.0413% | 5,924 |
| Return on Equity (ROE) | -0.3798% | 5,977 |
| Retained earnings to average equity (ytd only) | -0.3798% | 5,317 |
| Net charge-offs to loans | 0.5178% | 2,772 |
| Credit loss provision to net charge-offs | 125.7049% | 3,698 |
| Earnings coverage of net charge-offs (x) | 1.1605% | 4,654 |
| Efficiency ratio | 83.6531% | 2,516 |
| Assets per employee ($millions) | 4.1488% | 3,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 6,205 |
| Loan loss allowance to noncurrent loans | 35.4450% | 6,074 |
| Noncurrent assets plus other real estate owned to assets | 2.3762% | 2,729 |
| Noncurrent loans to loans | 2.8341% | 2,542 |
| Net loans and leases to total assets | 80.8292% | 1,165 |
| Net loans and leases to deposits | 101.6691% | 1,102 |
| Net loans and leases to core deposits | 117.2254% | 2,611 |
| Total domestic deposits to total assets | 79.5022% | 5,647 |
| Equity capital to assets | 13.8498% | 1,369 |
| Core capital (leverage) ratio | 12.1234% | 1,783 |
| Tier 1 risk-based capital ratio | 14.4768% | 3,264 |
| Total risk-based capital ratio | 15.4759% | 3,323 |
| Memoranda: | ||
| Average total assets | $1,560,963,330 | 466 |
| Average earning assets | $1,409,337,000 | 469 |
| Average equity | $216,457,000 | 351 |
| Average total loans | $1,287,793,670 | 410 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4155% | 5,338 |
| Cost of funding earning assets | 1.7251% | 5,492 |
| Net interest margin | 3.6904% | 3,932 |
| Noninterest income to average assets | 0.3408% | 5,730 |
| Noninterest expense to average assets | 3.2041% | 2,969 |
| Loan and lease loss provision to assets | 0.3457% | 3,248 |
| Net operating income to assets | 0.0481% | 6,132 |
| Return on assets (ROA) | 0.0481% | 6,283 |
| Pretax return on assets | 0.1157% | 6,129 |
| Return on Equity (ROE) | 0.3466% | 6,324 |
| Retained earnings to average equity (ytd only) | 0.3466% | 5,520 |
| Net charge-offs to loans | 0.2698% | 3,048 |
| Credit loss provision to net charge-offs | 154.4828% | 2,709 |
| Earnings coverage of net charge-offs (x) | 2.0621% | 3,692 |
| Efficiency ratio | 84.4022% | 2,261 |
| Assets per employee ($millions) | 3.9925% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 6,409 |
| Loan loss allowance to noncurrent loans | 52.3927% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6124% | 3,504 |
| Noncurrent loans to loans | 1.8394% | 3,506 |
| Net loans and leases to total assets | 82.5911% | 918 |
| Net loans and leases to deposits | 107.9496% | 728 |
| Net loans and leases to core deposits | 123.2090% | 2,145 |
| Total domestic deposits to total assets | 76.5089% | 6,401 |
| Equity capital to assets | 13.9291% | 1,384 |
| Core capital (leverage) ratio | 12.1990% | 1,817 |
| Tier 1 risk-based capital ratio | 14.0085% | 3,582 |
| Total risk-based capital ratio | 14.9499% | 3,666 |
| Memoranda: | ||
| Average total assets | $1,555,239,000 | 472 |
| Average earning assets | $1,401,162,500 | 471 |
| Average equity | $215,797,500 | 350 |
| Average total loans | $1,289,758,000 | 416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8630% | 6,221 |
| Cost of funding earning assets | 2.0201% | 6,349 |
| Net interest margin | 3.8429% | 3,830 |
| Noninterest income to average assets | 0.4781% | 4,816 |
| Noninterest expense to average assets | 4.1761% | 1,173 |
| Loan and lease loss provision to assets | 2.0190% | 593 |
| Net operating income to assets | -1.3971% | 7,426 |
| Return on assets (ROA) | -1.2838% | 7,325 |
| Pretax return on assets | -2.0817% | 7,464 |
| Return on Equity (ROE) | -8.5972% | 7,168 |
| Retained earnings to average equity (ytd only) | -9.5004% | 7,029 |
| Net charge-offs to loans | 0.2628% | 3,653 |
| Credit loss provision to net charge-offs | 908.2524% | 491 |
| Earnings coverage of net charge-offs (x) | -1.0789% | 6,604 |
| Efficiency ratio | 103.0361% | 889 |
| Assets per employee ($millions) | 3.9526% | 3,614 |
| Cash dividends to net income (ytd only)* | -10.5064% | 7,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 6,448 |
| Loan loss allowance to noncurrent loans | 88.3160% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9392% | 4,475 |
| Noncurrent loans to loans | 1.0643% | 4,447 |
| Net loans and leases to total assets | 81.6888% | 1,288 |
| Net loans and leases to deposits | 114.0515% | 610 |
| Net loans and leases to core deposits | 128.6559% | 1,951 |
| Total domestic deposits to total assets | 71.6245% | 7,072 |
| Equity capital to assets | 13.8218% | 1,485 |
| Core capital (leverage) ratio | 12.0760% | 1,929 |
| Tier 1 risk-based capital ratio | 13.7861% | 3,650 |
| Total risk-based capital ratio | 14.6887% | 3,758 |
| Memoranda: | ||
| Average total assets | $1,482,748,600 | 472 |
| Average earning assets | $1,334,303,800 | 474 |
| Average equity | $221,421,600 | 339 |
| Average total loans | $1,253,969,800 | 409 |