Home > Barrington Bank & Trust Company > Performance and Condition Ratios
Barrington Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2596% | 1,557 |
| Cost of funding earning assets | 1.9638% | 970 |
| Net interest margin | 3.2958% | 2,646 |
| Noninterest income to average assets | 2.7300% | 194 |
| Noninterest expense to average assets | 4.6137% | 270 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.6816% | 3,239 |
| Return on assets (ROA) | 0.6867% | 3,204 |
| Pretax return on assets | 0.9245% | 2,895 |
| Return on Equity (ROE) | 5.9300% | 3,533 |
| Retained earnings to average equity (ytd only) | 2.5585% | 3,423 |
| Net charge-offs to loans | 0.0372% | 1,563 |
| Credit loss provision to net charge-offs | 360.5893% | 834 |
| Earnings coverage of net charge-offs (x) | 34.9457% | 1,529 |
| Efficiency ratio | 82.3736% | 755 |
| Assets per employee ($millions) | 5.1372% | 3,530 |
| Cash dividends to net income (ytd only)* | 56.8225% | 1,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4266% | 4,375 |
| Loan loss allowance to noncurrent loans | 7.2134% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 4.5176% | 30 |
| Noncurrent loans to loans | 5.9139% | 33 |
| Net loans and leases to total assets | 75.7800% | 1,146 |
| Net loans and leases to deposits | 97.9495% | 656 |
| Net loans and leases to core deposits | 116.7742% | 725 |
| Total domestic deposits to total assets | 77.3700% | 3,803 |
| Equity capital to assets | 11.3070% | 1,369 |
| Core capital (leverage) ratio | 10.8020% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5731% | 2,700 |
| Memoranda: | ||
| Average total assets | $3,844,119,000 | 333 |
| Average earning assets | $3,351,822,200 | 332 |
| Average equity | $445,501,600 | 290 |
| Average total loans | $2,922,669,600 | 308 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1130% | 1,607 |
| Cost of funding earning assets | 1.8269% | 966 |
| Net interest margin | 3.2861% | 2,720 |
| Noninterest income to average assets | 3.2000% | 187 |
| Noninterest expense to average assets | 4.7433% | 248 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.8896% | 2,725 |
| Return on assets (ROA) | 0.8787% | 2,743 |
| Pretax return on assets | 1.2011% | 2,292 |
| Return on Equity (ROE) | 7.5300% | 3,307 |
| Retained earnings to average equity (ytd only) | 3.0254% | 3,500 |
| Net charge-offs to loans | 0.0428% | 1,274 |
| Credit loss provision to net charge-offs | 310.4639% | 861 |
| Earnings coverage of net charge-offs (x) | 40.6278% | 1,435 |
| Efficiency ratio | 78.2263% | 994 |
| Assets per employee ($millions) | 4.9647% | 3,628 |
| Cash dividends to net income (ytd only)* | 59.8420% | 942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4101% | 4,402 |
| Loan loss allowance to noncurrent loans | 7.3591% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 4.3128% | 35 |
| Noncurrent loans to loans | 5.5727% | 41 |
| Net loans and leases to total assets | 76.5600% | 1,054 |
| Net loans and leases to deposits | 99.0598% | 559 |
| Net loans and leases to core deposits | 119.9793% | 550 |
| Total domestic deposits to total assets | 77.2900% | 3,898 |
| Equity capital to assets | 11.3077% | 1,243 |
| Core capital (leverage) ratio | 10.6676% | 2,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6741% | 2,691 |
| Memoranda: | ||
| Average total assets | $3,803,396,750 | 339 |
| Average earning assets | $3,318,272,250 | 341 |
| Average equity | $443,609,250 | 293 |
| Average total loans | $2,890,954,000 | 312 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9268% | 1,695 |
| Cost of funding earning assets | 1.6353% | 989 |
| Net interest margin | 3.2915% | 2,771 |
| Noninterest income to average assets | 3.1500% | 172 |
| Noninterest expense to average assets | 4.7460% | 240 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8977% | 2,758 |
| Return on assets (ROA) | 0.9003% | 2,739 |
| Pretax return on assets | 1.2270% | 2,297 |
| Return on Equity (ROE) | 7.6400% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.6398% | 2,091 |
| Net charge-offs to loans | 0.0307% | 1,276 |
| Credit loss provision to net charge-offs | 244.5455% | 966 |
| Earnings coverage of net charge-offs (x) | 53.9182% | 1,246 |
| Efficiency ratio | 79.1215% | 901 |
| Assets per employee ($millions) | 4.7783% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3621% | 4,455 |
| Loan loss allowance to noncurrent loans | 5.9056% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 4.7502% | 33 |
| Noncurrent loans to loans | 6.1311% | 34 |
| Net loans and leases to total assets | 76.7100% | 975 |
| Net loans and leases to deposits | 99.3389% | 550 |
| Net loans and leases to core deposits | 117.2994% | 593 |
| Total domestic deposits to total assets | 77.2200% | 3,923 |
| Equity capital to assets | 11.6909% | 1,137 |
| Core capital (leverage) ratio | 11.5196% | 1,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2610% | 2,548 |
| Memoranda: | ||
| Average total assets | $3,788,658,667 | 328 |
| Average earning assets | $3,281,345,333 | 333 |
| Average equity | $446,453,667 | 284 |
| Average total loans | $2,868,660,333 | 301 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8275% | 1,561 |
| Cost of funding earning assets | 1.4392% | 958 |
| Net interest margin | 3.3883% | 2,659 |
| Noninterest income to average assets | 2.6500% | 180 |
| Noninterest expense to average assets | 4.5935% | 263 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.7168% | 3,429 |
| Return on assets (ROA) | 0.7381% | 3,336 |
| Pretax return on assets | 0.9983% | 3,002 |
| Return on Equity (ROE) | 6.2400% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.2383% | 2,698 |
| Net charge-offs to loans | 0.0323% | 1,069 |
| Credit loss provision to net charge-offs | 167.4009% | 907 |
| Earnings coverage of net charge-offs (x) | 38.5463% | 1,200 |
| Efficiency ratio | 83.0866% | 641 |
| Assets per employee ($millions) | 4.5593% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3701% | 4,514 |
| Loan loss allowance to noncurrent loans | 4.9334% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 5.6491% | 14 |
| Noncurrent loans to loans | 7.5025% | 23 |
| Net loans and leases to total assets | 74.7500% | 1,110 |
| Net loans and leases to deposits | 100.7628% | 413 |
| Net loans and leases to core deposits | 117.9609% | 492 |
| Total domestic deposits to total assets | 74.1900% | 4,278 |
| Equity capital to assets | 12.0445% | 985 |
| Core capital (leverage) ratio | 10.6803% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9979% | 2,730 |
| Memoranda: | ||
| Average total assets | $3,743,003,500 | 341 |
| Average earning assets | $3,182,358,500 | 352 |
| Average equity | $442,879,000 | 292 |
| Average total loans | $2,809,511,500 | 312 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 2,871 |
| Cost of funding earning assets | 0.4795% | 1,534 |
| Net interest margin | 3.0947% | 3,187 |
| Noninterest income to average assets | 4.8800% | 132 |
| Noninterest expense to average assets | 5.7042% | 180 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.3023% | 1,415 |
| Return on assets (ROA) | 1.2646% | 1,499 |
| Pretax return on assets | 1.7286% | 862 |
| Return on Equity (ROE) | 10.5400% | 2,638 |
| Retained earnings to average equity (ytd only) | 9.3612% | 1,374 |
| Net charge-offs to loans | 0.0200% | 1,692 |
| Credit loss provision to net charge-offs | 307.0270% | 907 |
| Earnings coverage of net charge-offs (x) | 121.7117% | 880 |
| Efficiency ratio | 74.9412% | 1,123 |
| Assets per employee ($millions) | 4.2121% | 4,196 |
| Cash dividends to net income (ytd only)* | 11.1642% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3620% | 4,523 |
| Loan loss allowance to noncurrent loans | 4.6776% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 5.8305% | 16 |
| Noncurrent loans to loans | 7.7385% | 25 |
| Net loans and leases to total assets | 74.8200% | 1,144 |
| Net loans and leases to deposits | 99.7004% | 450 |
| Net loans and leases to core deposits | 115.4611% | 455 |
| Total domestic deposits to total assets | 75.0400% | 4,312 |
| Equity capital to assets | 11.6224% | 1,043 |
| Core capital (leverage) ratio | 10.3147% | 2,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4700% | 2,869 |
| Memoranda: | ||
| Average total assets | $3,541,604,800 | 338 |
| Average earning assets | $3,126,383,400 | 346 |
| Average equity | $425,008,200 | 293 |
| Average total loans | $2,771,821,600 | 297 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2763% | 3,246 |
| Cost of funding earning assets | 0.2935% | 2,241 |
| Net interest margin | 2.9828% | 3,263 |
| Noninterest income to average assets | 5.7300% | 124 |
| Noninterest expense to average assets | 6.0146% | 165 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 1.6896% | 542 |
| Return on assets (ROA) | 1.6366% | 596 |
| Pretax return on assets | 2.2314% | 304 |
| Return on Equity (ROE) | 13.5200% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.9421% | 809 |
| Net charge-offs to loans | 0.0123% | 1,658 |
| Credit loss provision to net charge-offs | 175.2941% | 1,047 |
| Earnings coverage of net charge-offs (x) | 243.1961% | 546 |
| Efficiency ratio | 71.7147% | 1,555 |
| Assets per employee ($millions) | 4.0010% | 4,320 |
| Cash dividends to net income (ytd only)* | 11.6866% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3329% | 4,570 |
| Loan loss allowance to noncurrent loans | 5.0342% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 5.0129% | 15 |
| Noncurrent loans to loans | 6.6124% | 33 |
| Net loans and leases to total assets | 75.4700% | 967 |
| Net loans and leases to deposits | 96.8165% | 506 |
| Net loans and leases to core deposits | 108.5397% | 515 |
| Total domestic deposits to total assets | 77.9500% | 4,264 |
| Equity capital to assets | 11.7906% | 925 |
| Core capital (leverage) ratio | 10.6456% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5079% | 2,947 |
| Memoranda: | ||
| Average total assets | $3,485,604,000 | 348 |
| Average earning assets | $3,107,478,500 | 347 |
| Average equity | $421,847,000 | 295 |
| Average total loans | $2,757,885,750 | 294 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0850% | 3,343 |
| Cost of funding earning assets | 0.2020% | 2,890 |
| Net interest margin | 2.8830% | 3,213 |
| Noninterest income to average assets | 7.0335% | 75 |
| Noninterest expense to average assets | 6.3745% | 118 |
| Loan and lease loss provision to assets | 0.1044% | 955 |
| Net operating income to assets | 2.2987% | 139 |
| Return on assets (ROA) | 2.2455% | 150 |
| Pretax return on assets | 3.0612% | 89 |
| Return on Equity (ROE) | 18.3842% | 428 |
| Retained earnings to average equity (ytd only) | 15.9906% | 190 |
| Net charge-offs to loans | 0.0161% | 1,432 |
| Credit loss provision to net charge-offs | 51.1312% | 1,487 |
| Earnings coverage of net charge-offs (x) | 250.1810% | 470 |
| Efficiency ratio | 66.3496% | 2,463 |
| Assets per employee ($millions) | 3.4352% | 4,563 |
| Cash dividends to net income (ytd only)* | 13.0195% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3276% | 4,649 |
| Loan loss allowance to noncurrent loans | 5.3016% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 4.7643% | 16 |
| Noncurrent loans to loans | 6.1797% | 37 |
| Net loans and leases to total assets | 76.6744% | 663 |
| Net loans and leases to deposits | 92.3920% | 587 |
| Net loans and leases to core deposits | 103.3382% | 535 |
| Total domestic deposits to total assets | 82.9881% | 3,877 |
| Equity capital to assets | 11.9732% | 885 |
| Core capital (leverage) ratio | 10.8339% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4657% | 2,935 |
| Memoranda: | ||
| Average total assets | $3,420,495,667 | 348 |
| Average earning assets | $3,053,714,000 | 352 |
| Average equity | $417,794,333 | 296 |
| Average total loans | $2,748,109,333 | 290 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9962% | 3,268 |
| Cost of funding earning assets | 0.1929% | 2,896 |
| Net interest margin | 2.8033% | 3,130 |
| Noninterest income to average assets | 9.7494% | 62 |
| Noninterest expense to average assets | 6.7386% | 105 |
| Loan and lease loss provision to assets | 0.1546% | 504 |
| Net operating income to assets | 3.9404% | 52 |
| Return on assets (ROA) | 3.8777% | 51 |
| Pretax return on assets | 5.2798% | 42 |
| Return on Equity (ROE) | 31.4172% | 54 |
| Retained earnings to average equity (ytd only) | 31.4172% | 34 |
| Net charge-offs to loans | 0.0337% | 964 |
| Credit loss provision to net charge-offs | 320.6897% | 650 |
| Earnings coverage of net charge-offs (x) | 199.0172% | 433 |
| Efficiency ratio | 54.9975% | 3,976 |
| Assets per employee ($millions) | 3.0708% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3570% | 4,665 |
| Loan loss allowance to noncurrent loans | 5.9370% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 4.8366% | 22 |
| Noncurrent loans to loans | 6.0130% | 45 |
| Net loans and leases to total assets | 79.9638% | 242 |
| Net loans and leases to deposits | 99.4391% | 187 |
| Net loans and leases to core deposits | 110.1084% | 257 |
| Total domestic deposits to total assets | 80.4148% | 4,257 |
| Equity capital to assets | 12.6883% | 763 |
| Core capital (leverage) ratio | 11.1720% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6247% | 2,962 |
| Memoranda: | ||
| Average total assets | $3,349,574,000 | 356 |
| Average earning assets | $2,990,708,500 | 362 |
| Average equity | $413,429,000 | 308 |
| Average total loans | $2,751,974,500 | 292 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9965% | 3,878 |
| Cost of funding earning assets | 0.2245% | 3,199 |
| Net interest margin | 2.7720% | 3,728 |
| Noninterest income to average assets | 8.4519% | 75 |
| Noninterest expense to average assets | 7.5585% | 99 |
| Loan and lease loss provision to assets | -0.1061% | 4,543 |
| Net operating income to assets | 2.5633% | 149 |
| Return on assets (ROA) | 2.5542% | 155 |
| Pretax return on assets | 3.4890% | 101 |
| Return on Equity (ROE) | 21.5330% | 237 |
| Retained earnings to average equity (ytd only) | 1.9509% | 3,990 |
| Net charge-offs to loans | -0.0233% | 4,032 |
| Credit loss provision to net charge-offs | 565.4015% | 752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0064% | 1,857 |
| Assets per employee ($millions) | 2.9045% | 4,701 |
| Cash dividends to net income (ytd only)* | 90.9401% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3227% | 4,713 |
| Loan loss allowance to noncurrent loans | 5.9698% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 4.5603% | 33 |
| Noncurrent loans to loans | 5.4060% | 63 |
| Net loans and leases to total assets | 83.7970% | 114 |
| Net loans and leases to deposits | 107.6760% | 97 |
| Net loans and leases to core deposits | 120.0768% | 163 |
| Total domestic deposits to total assets | 77.8233% | 4,412 |
| Equity capital to assets | 11.9970% | 1,251 |
| Core capital (leverage) ratio | 10.8881% | 1,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5524% | 2,974 |
| Memoranda: | ||
| Average total assets | $3,444,156,800 | 339 |
| Average earning assets | $3,107,682,400 | 341 |
| Average equity | $408,535,400 | 311 |
| Average total loans | $2,936,111,800 | 273 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9845% | 4,034 |
| Cost of funding earning assets | 0.2366% | 3,253 |
| Net interest margin | 2.7480% | 3,885 |
| Noninterest income to average assets | 9.0206% | 74 |
| Noninterest expense to average assets | 7.7588% | 97 |
| Loan and lease loss provision to assets | -0.0685% | 4,519 |
| Net operating income to assets | 2.8025% | 151 |
| Return on assets (ROA) | 2.7942% | 152 |
| Pretax return on assets | 3.8007% | 98 |
| Return on Equity (ROE) | 23.6215% | 226 |
| Retained earnings to average equity (ytd only) | 2.4955% | 4,052 |
| Net charge-offs to loans | -0.0296% | 4,125 |
| Credit loss provision to net charge-offs | 230.0912% | 1,144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4566% | 1,903 |
| Assets per employee ($millions) | 2.7790% | 4,788 |
| Cash dividends to net income (ytd only)* | 89.4356% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3978% | 4,764 |
| Loan loss allowance to noncurrent loans | 7.9382% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 4.2959% | 42 |
| Noncurrent loans to loans | 5.0114% | 74 |
| Net loans and leases to total assets | 84.5263% | 102 |
| Net loans and leases to deposits | 102.4660% | 182 |
| Net loans and leases to core deposits | 113.5880% | 262 |
| Total domestic deposits to total assets | 82.4920% | 3,827 |
| Equity capital to assets | 11.8603% | 1,465 |
| Core capital (leverage) ratio | 11.3027% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0599% | 2,953 |
| Memoranda: | ||
| Average total assets | $3,467,961,000 | 336 |
| Average earning assets | $3,130,908,250 | 338 |
| Average equity | $410,226,000 | 309 |
| Average total loans | $2,966,290,500 | 275 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9571% | 4,122 |
| Cost of funding earning assets | 0.2514% | 3,268 |
| Net interest margin | 2.7056% | 3,971 |
| Noninterest income to average assets | 9.9930% | 64 |
| Noninterest expense to average assets | 8.0512% | 92 |
| Loan and lease loss provision to assets | -0.2112% | 4,773 |
| Net operating income to assets | 3.3829% | 96 |
| Return on assets (ROA) | 3.3740% | 101 |
| Pretax return on assets | 4.5866% | 76 |
| Return on Equity (ROE) | 28.5471% | 116 |
| Retained earnings to average equity (ytd only) | 4.3493% | 3,409 |
| Net charge-offs to loans | -0.0397% | 4,271 |
| Credit loss provision to net charge-offs | 443.5294% | 724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7292% | 2,331 |
| Assets per employee ($millions) | 2.6560% | 4,838 |
| Cash dividends to net income (ytd only)* | 84.7644% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3600% | 4,821 |
| Loan loss allowance to noncurrent loans | 6.6987% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 4.6525% | 42 |
| Noncurrent loans to loans | 5.3742% | 72 |
| Net loans and leases to total assets | 85.3507% | 97 |
| Net loans and leases to deposits | 104.4710% | 175 |
| Net loans and leases to core deposits | 120.9432% | 209 |
| Total domestic deposits to total assets | 81.6980% | 3,975 |
| Equity capital to assets | 12.1394% | 1,298 |
| Core capital (leverage) ratio | 11.3874% | 1,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4487% | 2,873 |
| Memoranda: | ||
| Average total assets | $3,496,591,333 | 334 |
| Average earning assets | $3,159,431,000 | 335 |
| Average equity | $413,260,333 | 302 |
| Average total loans | $2,998,335,667 | 271 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8864% | 4,279 |
| Cost of funding earning assets | 0.2628% | 3,351 |
| Net interest margin | 2.6236% | 4,102 |
| Noninterest income to average assets | 13.2474% | 55 |
| Noninterest expense to average assets | 8.3238% | 88 |
| Loan and lease loss provision to assets | -0.2801% | 4,851 |
| Net operating income to assets | 5.5816% | 51 |
| Return on assets (ROA) | 5.5623% | 51 |
| Pretax return on assets | 7.5524% | 46 |
| Return on Equity (ROE) | 47.6606% | 36 |
| Retained earnings to average equity (ytd only) | 47.6606% | 19 |
| Net charge-offs to loans | 0.0068% | 1,657 |
| Credit loss provision to net charge-offs | -3,486.5385% | 3,662 |
| Earnings coverage of net charge-offs (x) | 1,258.0577% | 70 |
| Efficiency ratio | 53.2853% | 3,881 |
| Assets per employee ($millions) | 2.7840% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3401% | 4,858 |
| Loan loss allowance to noncurrent loans | 7.6092% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 3.9168% | 61 |
| Noncurrent loans to loans | 4.4700% | 109 |
| Net loans and leases to total assets | 85.8549% | 95 |
| Net loans and leases to deposits | 110.1598% | 130 |
| Net loans and leases to core deposits | 127.0782% | 173 |
| Total domestic deposits to total assets | 77.9366% | 4,441 |
| Equity capital to assets | 12.4806% | 1,088 |
| Core capital (leverage) ratio | 11.9358% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5862% | 2,452 |
| Memoranda: | ||
| Average total assets | $3,586,192,000 | 325 |
| Average earning assets | $3,243,892,000 | 326 |
| Average equity | $418,534,500 | 300 |
| Average total loans | $3,076,681,500 | 266 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9452% | 4,673 |
| Cost of funding earning assets | 0.3948% | 3,610 |
| Net interest margin | 2.5504% | 4,543 |
| Noninterest income to average assets | 11.5062% | 63 |
| Noninterest expense to average assets | 8.8975% | 85 |
| Loan and lease loss provision to assets | 0.3049% | 1,231 |
| Net operating income to assets | 3.4081% | 71 |
| Return on assets (ROA) | 3.4095% | 73 |
| Pretax return on assets | 4.6017% | 62 |
| Return on Equity (ROE) | 27.7162% | 79 |
| Retained earnings to average equity (ytd only) | 6.4443% | 1,611 |
| Net charge-offs to loans | 0.2002% | 860 |
| Credit loss provision to net charge-offs | 180.7074% | 2,261 |
| Earnings coverage of net charge-offs (x) | 29.0702% | 1,639 |
| Efficiency ratio | 64.4601% | 2,746 |
| Assets per employee ($millions) | 2.9360% | 4,824 |
| Cash dividends to net income (ytd only)* | 76.7488% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3968% | 4,859 |
| Loan loss allowance to noncurrent loans | 6.9385% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 4.9544% | 42 |
| Noncurrent loans to loans | 5.7191% | 59 |
| Net loans and leases to total assets | 85.1046% | 130 |
| Net loans and leases to deposits | 114.5219% | 112 |
| Net loans and leases to core deposits | 127.1020% | 225 |
| Total domestic deposits to total assets | 74.3129% | 4,620 |
| Equity capital to assets | 10.8760% | 2,364 |
| Core capital (leverage) ratio | 11.4549% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7668% | 2,979 |
| Memoranda: | ||
| Average total assets | $3,133,617,800 | 331 |
| Average earning assets | $2,821,107,200 | 329 |
| Average equity | $385,486,400 | 304 |
| Average total loans | $2,641,282,400 | 289 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0503% | 4,701 |
| Cost of funding earning assets | 0.4359% | 3,605 |
| Net interest margin | 2.6144% | 4,556 |
| Noninterest income to average assets | 11.8858% | 62 |
| Noninterest expense to average assets | 8.7852% | 87 |
| Loan and lease loss provision to assets | 0.4125% | 832 |
| Net operating income to assets | 3.7238% | 60 |
| Return on assets (ROA) | 3.7261% | 63 |
| Pretax return on assets | 5.0388% | 54 |
| Return on Equity (ROE) | 29.2702% | 69 |
| Retained earnings to average equity (ytd only) | 16.4042% | 144 |
| Net charge-offs to loans | 0.2281% | 670 |
| Credit loss provision to net charge-offs | 215.5145% | 2,051 |
| Earnings coverage of net charge-offs (x) | 28.4590% | 1,635 |
| Efficiency ratio | 61.7169% | 3,120 |
| Assets per employee ($millions) | 2.9686% | 4,850 |
| Cash dividends to net income (ytd only)* | 43.9560% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4334% | 4,866 |
| Loan loss allowance to noncurrent loans | 7.7825% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 4.7659% | 57 |
| Noncurrent loans to loans | 5.5692% | 82 |
| Net loans and leases to total assets | 85.2065% | 198 |
| Net loans and leases to deposits | 116.5235% | 142 |
| Net loans and leases to core deposits | 130.9623% | 236 |
| Total domestic deposits to total assets | 73.1238% | 4,625 |
| Equity capital to assets | 11.8585% | 1,764 |
| Core capital (leverage) ratio | 12.3569% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5438% | 2,776 |
| Memoranda: | ||
| Average total assets | $3,012,011,750 | 331 |
| Average earning assets | $2,704,944,000 | 332 |
| Average equity | $383,429,000 | 304 |
| Average total loans | $2,528,329,000 | 295 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1753% | 4,733 |
| Cost of funding earning assets | 0.5027% | 3,515 |
| Net interest margin | 2.6726% | 4,583 |
| Noninterest income to average assets | 11.1041% | 59 |
| Noninterest expense to average assets | 8.6888% | 85 |
| Loan and lease loss provision to assets | 0.3794% | 1,095 |
| Net operating income to assets | 3.2457% | 68 |
| Return on assets (ROA) | 3.2495% | 73 |
| Pretax return on assets | 4.4313% | 53 |
| Return on Equity (ROE) | 24.8284% | 116 |
| Retained earnings to average equity (ytd only) | 8.1910% | 1,249 |
| Net charge-offs to loans | 0.2718% | 586 |
| Credit loss provision to net charge-offs | 167.6598% | 2,044 |
| Earnings coverage of net charge-offs (x) | 21.2356% | 1,660 |
| Efficiency ratio | 64.3815% | 2,767 |
| Assets per employee ($millions) | 2.8294% | 4,901 |
| Cash dividends to net income (ytd only)* | 67.0096% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3652% | 4,925 |
| Loan loss allowance to noncurrent loans | 4.0325% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 7.6713% | 28 |
| Noncurrent loans to loans | 9.0571% | 32 |
| Net loans and leases to total assets | 84.3903% | 225 |
| Net loans and leases to deposits | 111.3943% | 202 |
| Net loans and leases to core deposits | 124.7912% | 335 |
| Total domestic deposits to total assets | 75.7582% | 4,451 |
| Equity capital to assets | 11.6487% | 1,872 |
| Core capital (leverage) ratio | 12.2362% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6214% | 3,062 |
| Memoranda: | ||
| Average total assets | $2,847,364,333 | 339 |
| Average earning assets | $2,546,972,333 | 349 |
| Average equity | $372,653,667 | 304 |
| Average total loans | $2,371,004,333 | 301 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3476% | 4,777 |
| Cost of funding earning assets | 0.6057% | 3,403 |
| Net interest margin | 2.7420% | 4,627 |
| Noninterest income to average assets | 8.0907% | 68 |
| Noninterest expense to average assets | 7.7892% | 102 |
| Loan and lease loss provision to assets | 0.2995% | 1,035 |
| Net operating income to assets | 1.7806% | 426 |
| Return on assets (ROA) | 1.7873% | 469 |
| Pretax return on assets | 2.4454% | 181 |
| Return on Equity (ROE) | 12.7747% | 920 |
| Retained earnings to average equity (ytd only) | -4.6562% | 4,493 |
| Net charge-offs to loans | 0.3284% | 444 |
| Credit loss provision to net charge-offs | 110.7042% | 1,753 |
| Earnings coverage of net charge-offs (x) | 10.1149% | 1,781 |
| Efficiency ratio | 73.9943% | 1,817 |
| Assets per employee ($millions) | 2.6101% | 4,927 |
| Cash dividends to net income (ytd only)* | 136.4489% | 514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3571% | 4,968 |
| Loan loss allowance to noncurrent loans | 5.7139% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 5.1181% | 62 |
| Noncurrent loans to loans | 6.2497% | 75 |
| Net loans and leases to total assets | 81.6013% | 485 |
| Net loans and leases to deposits | 114.7326% | 124 |
| Net loans and leases to core deposits | 130.9412% | 255 |
| Total domestic deposits to total assets | 71.1231% | 4,812 |
| Equity capital to assets | 12.9968% | 1,431 |
| Core capital (leverage) ratio | 13.5102% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6986% | 3,183 |
| Memoranda: | ||
| Average total assets | $2,624,350,000 | 358 |
| Average earning assets | $2,330,595,500 | 361 |
| Average equity | $367,162,500 | 308 |
| Average total loans | $2,161,760,000 | 311 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 3,994 |
| Cost of funding earning assets | 0.7106% | 3,113 |
| Net interest margin | 3.4121% | 3,711 |
| Noninterest income to average assets | 7.2579% | 80 |
| Noninterest expense to average assets | 8.0845% | 89 |
| Loan and lease loss provision to assets | 0.0976% | 2,097 |
| Net operating income to assets | 1.5659% | 905 |
| Return on assets (ROA) | 1.5694% | 955 |
| Pretax return on assets | 2.1322% | 440 |
| Return on Equity (ROE) | 10.8065% | 1,965 |
| Retained earnings to average equity (ytd only) | 10.8065% | 361 |
| Net charge-offs to loans | 0.0653% | 2,161 |
| Credit loss provision to net charge-offs | 182.4701% | 1,441 |
| Earnings coverage of net charge-offs (x) | 41.6135% | 1,283 |
| Efficiency ratio | 78.4034% | 1,105 |
| Assets per employee ($millions) | 2.3627% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3491% | 5,017 |
| Loan loss allowance to noncurrent loans | 5.2531% | 4,599 |
| Noncurrent assets plus other real estate owned to assets | 5.5106% | 39 |
| Noncurrent loans to loans | 6.6455% | 53 |
| Net loans and leases to total assets | 82.6332% | 472 |
| Net loans and leases to deposits | 109.8176% | 192 |
| Net loans and leases to core deposits | 118.3768% | 526 |
| Total domestic deposits to total assets | 75.2458% | 4,681 |
| Equity capital to assets | 15.1299% | 764 |
| Core capital (leverage) ratio | 13.5630% | 1,035 |
| Tier 1 risk-based capital ratio | 11.8979% | 4,423 |
| Total risk-based capital ratio | 12.1696% | 4,794 |
| Memoranda: | ||
| Average total assets | $2,346,735,000 | 368 |
| Average earning assets | $2,099,077,200 | 374 |
| Average equity | $340,803,000 | 312 |
| Average total loans | $1,920,786,400 | 335 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 3,915 |
| Cost of funding earning assets | 0.7163% | 3,128 |
| Net interest margin | 3.4858% | 3,605 |
| Noninterest income to average assets | 6.7161% | 81 |
| Noninterest expense to average assets | 7.9093% | 95 |
| Loan and lease loss provision to assets | 0.1131% | 1,726 |
| Net operating income to assets | 1.3312% | 1,721 |
| Return on assets (ROA) | 1.3361% | 1,767 |
| Pretax return on assets | 1.8141% | 1,050 |
| Return on Equity (ROE) | 9.3029% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.3029% | 958 |
| Net charge-offs to loans | 0.0524% | 2,082 |
| Credit loss provision to net charge-offs | 264.2953% | 1,048 |
| Earnings coverage of net charge-offs (x) | 44.9060% | 1,273 |
| Efficiency ratio | 80.4465% | 882 |
| Assets per employee ($millions) | 2.5381% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3417% | 5,098 |
| Loan loss allowance to noncurrent loans | 6.2203% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 4.5706% | 88 |
| Noncurrent loans to loans | 5.4935% | 86 |
| Net loans and leases to total assets | 81.4098% | 641 |
| Net loans and leases to deposits | 105.8351% | 331 |
| Net loans and leases to core deposits | 113.8809% | 761 |
| Total domestic deposits to total assets | 76.9214% | 4,522 |
| Equity capital to assets | 13.6775% | 1,283 |
| Core capital (leverage) ratio | 13.2727% | 1,224 |
| Tier 1 risk-based capital ratio | 11.2524% | 4,795 |
| Total risk-based capital ratio | 11.5238% | 5,058 |
| Memoranda: | ||
| Average total assets | $2,322,060,000 | 373 |
| Average earning assets | $2,074,479,000 | 380 |
| Average equity | $333,506,000 | 321 |
| Average total loans | $1,894,028,000 | 342 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 3,679 |
| Cost of funding earning assets | 0.7142% | 3,090 |
| Net interest margin | 3.5696% | 3,367 |
| Noninterest income to average assets | 5.6228% | 86 |
| Noninterest expense to average assets | 7.5585% | 98 |
| Loan and lease loss provision to assets | 0.0601% | 2,623 |
| Net operating income to assets | 0.8782% | 3,369 |
| Return on assets (ROA) | 0.8826% | 3,414 |
| Pretax return on assets | 1.1904% | 2,937 |
| Return on Equity (ROE) | 6.0328% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.0328% | 2,266 |
| Net charge-offs to loans | 0.0815% | 1,542 |
| Credit loss provision to net charge-offs | 90.4054% | 2,130 |
| Earnings coverage of net charge-offs (x) | 18.7419% | 1,848 |
| Efficiency ratio | 85.8442% | 557 |
| Assets per employee ($millions) | 2.3274% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3037% | 5,170 |
| Loan loss allowance to noncurrent loans | 5.8133% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 4.3705% | 96 |
| Noncurrent loans to loans | 5.2235% | 94 |
| Net loans and leases to total assets | 81.6607% | 655 |
| Net loans and leases to deposits | 107.5818% | 286 |
| Net loans and leases to core deposits | 123.7519% | 437 |
| Total domestic deposits to total assets | 75.9056% | 4,683 |
| Equity capital to assets | 14.2665% | 1,024 |
| Core capital (leverage) ratio | 13.8924% | 1,001 |
| Tier 1 risk-based capital ratio | 11.4125% | 4,728 |
| Total risk-based capital ratio | 11.6496% | 5,059 |
| Memoranda: | ||
| Average total assets | $2,228,055,000 | 388 |
| Average earning assets | $1,985,279,670 | 393 |
| Average equity | $325,950,670 | 327 |
| Average total loans | $1,816,290,330 | 355 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 3,460 |
| Cost of funding earning assets | 0.6703% | 3,202 |
| Net interest margin | 3.6613% | 3,041 |
| Noninterest income to average assets | 4.0889% | 110 |
| Noninterest expense to average assets | 7.2810% | 100 |
| Loan and lease loss provision to assets | 0.0461% | 2,723 |
| Net operating income to assets | 0.0205% | 5,133 |
| Return on assets (ROA) | 0.0247% | 5,133 |
| Pretax return on assets | 0.0127% | 5,135 |
| Return on Equity (ROE) | 0.1663% | 5,137 |
| Retained earnings to average equity (ytd only) | 0.1663% | 4,490 |
| Net charge-offs to loans | 0.1590% | 843 |
| Credit loss provision to net charge-offs | 35.6936% | 2,058 |
| Earnings coverage of net charge-offs (x) | 0.4234% | 2,666 |
| Efficiency ratio | 99.2360% | 186 |
| Assets per employee ($millions) | 2.0562% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3192% | 5,233 |
| Loan loss allowance to noncurrent loans | 5.8690% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 4.5496% | 79 |
| Noncurrent loans to loans | 5.4393% | 95 |
| Net loans and leases to total assets | 81.5314% | 642 |
| Net loans and leases to deposits | 109.9320% | 218 |
| Net loans and leases to core deposits | 121.3524% | 491 |
| Total domestic deposits to total assets | 74.1653% | 4,917 |
| Equity capital to assets | 15.2764% | 694 |
| Core capital (leverage) ratio | 13.9932% | 961 |
| Tier 1 risk-based capital ratio | 11.3855% | 4,788 |
| Total risk-based capital ratio | 11.6194% | 5,127 |
| Memoranda: | ||
| Average total assets | $2,141,137,000 | 407 |
| Average earning assets | $1,898,767,000 | 415 |
| Average equity | $317,593,500 | 335 |
| Average total loans | $1,740,748,500 | 372 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0739% | 3,823 |
| Cost of funding earning assets | 0.6089% | 2,656 |
| Net interest margin | 3.4651% | 3,817 |
| Noninterest income to average assets | 6.6595% | 74 |
| Noninterest expense to average assets | 7.4495% | 99 |
| Loan and lease loss provision to assets | 0.0447% | 3,290 |
| Net operating income to assets | 1.6778% | 721 |
| Return on assets (ROA) | 1.6759% | 725 |
| Pretax return on assets | 2.3019% | 294 |
| Return on Equity (ROE) | 12.8146% | 1,416 |
| Retained earnings to average equity (ytd only) | 12.8146% | 248 |
| Net charge-offs to loans | 0.0256% | 2,899 |
| Credit loss provision to net charge-offs | 209.5652% | 1,385 |
| Earnings coverage of net charge-offs (x) | 110.2130% | 692 |
| Efficiency ratio | 76.0101% | 1,361 |
| Assets per employee ($millions) | 1.9415% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3508% | 5,250 |
| Loan loss allowance to noncurrent loans | 6.8043% | 4,818 |
| Noncurrent assets plus other real estate owned to assets | 4.2762% | 95 |
| Noncurrent loans to loans | 5.1549% | 103 |
| Net loans and leases to total assets | 80.5219% | 863 |
| Net loans and leases to deposits | 109.6565% | 261 |
| Net loans and leases to core deposits | 120.6994% | 521 |
| Total domestic deposits to total assets | 73.4310% | 4,979 |
| Equity capital to assets | 14.3872% | 870 |
| Core capital (leverage) ratio | 12.8986% | 1,286 |
| Tier 1 risk-based capital ratio | 10.8763% | 5,030 |
| Total risk-based capital ratio | 11.1398% | 5,287 |
| Memoranda: | ||
| Average total assets | $2,158,314,000 | 393 |
| Average earning assets | $1,955,205,000 | 396 |
| Average equity | $282,272,000 | 353 |
| Average total loans | $1,797,889,800 | 352 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,896 |
| Cost of funding earning assets | 0.5971% | 2,491 |
| Net interest margin | 3.4124% | 3,965 |
| Noninterest income to average assets | 7.1852% | 70 |
| Noninterest expense to average assets | 7.6524% | 97 |
| Loan and lease loss provision to assets | 0.0305% | 3,408 |
| Net operating income to assets | 1.9034% | 481 |
| Return on assets (ROA) | 1.9002% | 483 |
| Pretax return on assets | 2.6069% | 194 |
| Return on Equity (ROE) | 14.8968% | 894 |
| Retained earnings to average equity (ytd only) | 14.8968% | 181 |
| Net charge-offs to loans | 0.0250% | 2,621 |
| Credit loss provision to net charge-offs | 145.1613% | 1,757 |
| Earnings coverage of net charge-offs (x) | 125.7260% | 637 |
| Efficiency ratio | 74.3228% | 1,542 |
| Assets per employee ($millions) | 1.8981% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3231% | 5,346 |
| Loan loss allowance to noncurrent loans | 8.1017% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 3.4051% | 178 |
| Noncurrent loans to loans | 3.9883% | 205 |
| Net loans and leases to total assets | 81.5008% | 796 |
| Net loans and leases to deposits | 113.3255% | 201 |
| Net loans and leases to core deposits | 125.4547% | 428 |
| Total domestic deposits to total assets | 71.9174% | 5,136 |
| Equity capital to assets | 13.7117% | 1,054 |
| Core capital (leverage) ratio | 11.5876% | 2,105 |
| Tier 1 risk-based capital ratio | 11.1991% | 4,943 |
| Total risk-based capital ratio | 11.4662% | 5,256 |
| Memoranda: | ||
| Average total assets | $2,163,980,750 | 391 |
| Average earning assets | $1,971,399,000 | 391 |
| Average equity | $276,025,000 | 355 |
| Average total loans | $1,815,933,000 | 352 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8162% | 4,308 |
| Cost of funding earning assets | 0.5350% | 2,732 |
| Net interest margin | 3.2812% | 4,305 |
| Noninterest income to average assets | 6.7280% | 75 |
| Noninterest expense to average assets | 7.4178% | 104 |
| Loan and lease loss provision to assets | 0.0624% | 2,655 |
| Net operating income to assets | 1.6409% | 821 |
| Return on assets (ROA) | 1.6372% | 836 |
| Pretax return on assets | 2.2448% | 359 |
| Return on Equity (ROE) | 13.1635% | 1,314 |
| Retained earnings to average equity (ytd only) | 13.1635% | 357 |
| Net charge-offs to loans | 0.0330% | 2,194 |
| Credit loss provision to net charge-offs | 223.8411% | 1,212 |
| Earnings coverage of net charge-offs (x) | 82.8808% | 809 |
| Efficiency ratio | 76.2213% | 1,399 |
| Assets per employee ($millions) | 1.8880% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3099% | 5,412 |
| Loan loss allowance to noncurrent loans | 90.6021% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 2,957 |
| Noncurrent loans to loans | 0.3420% | 3,476 |
| Net loans and leases to total assets | 83.6308% | 508 |
| Net loans and leases to deposits | 121.7936% | 91 |
| Net loans and leases to core deposits | 139.8471% | 194 |
| Total domestic deposits to total assets | 68.6660% | 5,322 |
| Equity capital to assets | 12.4235% | 1,582 |
| Core capital (leverage) ratio | 10.9502% | 2,568 |
| Tier 1 risk-based capital ratio | 10.8585% | 5,126 |
| Total risk-based capital ratio | 11.1365% | 5,400 |
| Memoranda: | ||
| Average total assets | $2,165,276,670 | 394 |
| Average earning assets | $1,980,853,000 | 391 |
| Average equity | $269,305,000 | 361 |
| Average total loans | $1,832,511,000 | 352 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6719% | 4,533 |
| Cost of funding earning assets | 0.4465% | 3,228 |
| Net interest margin | 3.2254% | 4,385 |
| Noninterest income to average assets | 5.9444% | 85 |
| Noninterest expense to average assets | 6.9794% | 115 |
| Loan and lease loss provision to assets | 0.0900% | 2,006 |
| Net operating income to assets | 1.3565% | 1,458 |
| Return on assets (ROA) | 1.3511% | 1,489 |
| Pretax return on assets | 1.8338% | 850 |
| Return on Equity (ROE) | 10.8567% | 2,025 |
| Retained earnings to average equity (ytd only) | 10.8567% | 927 |
| Net charge-offs to loans | 0.0375% | 1,771 |
| Credit loss provision to net charge-offs | 282.1429% | 853 |
| Earnings coverage of net charge-offs (x) | 60.5476% | 842 |
| Efficiency ratio | 78.3134% | 1,320 |
| Assets per employee ($millions) | 1.8989% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3135% | 5,481 |
| Loan loss allowance to noncurrent loans | 12.1314% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.3431% | 419 |
| Noncurrent loans to loans | 2.5838% | 513 |
| Net loans and leases to total assets | 84.2693% | 413 |
| Net loans and leases to deposits | 123.1590% | 85 |
| Net loans and leases to core deposits | 139.9767% | 213 |
| Total domestic deposits to total assets | 68.4231% | 5,406 |
| Equity capital to assets | 12.3262% | 1,588 |
| Core capital (leverage) ratio | 11.3893% | 2,094 |
| Tier 1 risk-based capital ratio | 10.9381% | 5,163 |
| Total risk-based capital ratio | 11.2244% | 5,450 |
| Memoranda: | ||
| Average total assets | $2,107,581,000 | 404 |
| Average earning assets | $1,937,757,000 | 405 |
| Average equity | $262,288,500 | 373 |
| Average total loans | $1,792,131,500 | 356 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6185% | 4,536 |
| Cost of funding earning assets | 0.3783% | 3,435 |
| Net interest margin | 3.2402% | 4,332 |
| Noninterest income to average assets | 6.3351% | 88 |
| Noninterest expense to average assets | 7.1407% | 110 |
| Loan and lease loss provision to assets | 0.0195% | 3,909 |
| Net operating income to assets | 1.6363% | 605 |
| Return on assets (ROA) | 1.6363% | 622 |
| Pretax return on assets | 2.1797% | 327 |
| Return on Equity (ROE) | 13.8953% | 775 |
| Retained earnings to average equity (ytd only) | 12.1547% | 173 |
| Net charge-offs to loans | 0.0808% | 2,300 |
| Credit loss provision to net charge-offs | 28.0650% | 3,551 |
| Earnings coverage of net charge-offs (x) | 31.6950% | 1,491 |
| Efficiency ratio | 76.4300% | 1,562 |
| Assets per employee ($millions) | 2.4307% | 5,482 |
| Cash dividends to net income (ytd only)* | 12.5266% | 3,883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3242% | 5,542 |
| Loan loss allowance to noncurrent loans | 56.0056% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 2,297 |
| Noncurrent loans to loans | 0.5790% | 2,769 |
| Net loans and leases to total assets | 85.3056% | 312 |
| Net loans and leases to deposits | 113.9900% | 180 |
| Net loans and leases to core deposits | 129.5278% | 350 |
| Total domestic deposits to total assets | 74.8361% | 5,105 |
| Equity capital to assets | 12.5762% | 1,472 |
| Core capital (leverage) ratio | 11.8193% | 1,709 |
| Tier 1 risk-based capital ratio | 11.7349% | 4,693 |
| Total risk-based capital ratio | 12.0225% | 5,159 |
| Memoranda: | ||
| Average total assets | $1,951,432,400 | 418 |
| Average earning assets | $1,809,669,000 | 411 |
| Average equity | $229,803,600 | 395 |
| Average total loans | $1,676,487,800 | 357 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,638 |
| Cost of funding earning assets | 0.3605% | 3,558 |
| Net interest margin | 3.2085% | 4,432 |
| Noninterest income to average assets | 6.4874% | 89 |
| Noninterest expense to average assets | 7.1454% | 112 |
| Loan and lease loss provision to assets | -0.0083% | 5,453 |
| Net operating income to assets | 1.4373% | 1,011 |
| Return on assets (ROA) | 1.4373% | 1,029 |
| Pretax return on assets | 2.3275% | 285 |
| Return on Equity (ROE) | 12.4233% | 1,209 |
| Retained earnings to average equity (ytd only) | 10.0454% | 578 |
| Net charge-offs to loans | 0.1012% | 1,769 |
| Credit loss provision to net charge-offs | -9.5652% | 4,382 |
| Earnings coverage of net charge-offs (x) | 26.6562% | 1,670 |
| Efficiency ratio | 75.4722% | 1,666 |
| Assets per employee ($millions) | 2.3912% | 5,552 |
| Cash dividends to net income (ytd only)* | 19.1406% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3025% | 5,619 |
| Loan loss allowance to noncurrent loans | 49.2443% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7076% | 2,383 |
| Noncurrent loans to loans | 0.6143% | 2,874 |
| Net loans and leases to total assets | 85.2811% | 312 |
| Net loans and leases to deposits | 114.8657% | 168 |
| Net loans and leases to core deposits | 132.9995% | 296 |
| Total domestic deposits to total assets | 74.2441% | 5,216 |
| Equity capital to assets | 11.7894% | 2,119 |
| Core capital (leverage) ratio | 11.2194% | 2,249 |
| Tier 1 risk-based capital ratio | 11.5765% | 4,904 |
| Total risk-based capital ratio | 11.8562% | 5,346 |
| Memoranda: | ||
| Average total assets | $1,938,568,750 | 421 |
| Average earning assets | $1,798,749,000 | 416 |
| Average equity | $224,282,750 | 405 |
| Average total loans | $1,667,076,500 | 359 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 4,802 |
| Cost of funding earning assets | 0.3257% | 3,840 |
| Net interest margin | 3.1605% | 4,517 |
| Noninterest income to average assets | 6.5975% | 90 |
| Noninterest expense to average assets | 7.1219% | 121 |
| Loan and lease loss provision to assets | -0.0336% | 5,583 |
| Net operating income to assets | 1.5202% | 831 |
| Return on assets (ROA) | 1.5202% | 851 |
| Pretax return on assets | 2.4453% | 233 |
| Return on Equity (ROE) | 13.2264% | 971 |
| Retained earnings to average equity (ytd only) | 9.6042% | 675 |
| Net charge-offs to loans | 0.1347% | 1,355 |
| Credit loss provision to net charge-offs | -28.9686% | 4,251 |
| Earnings coverage of net charge-offs (x) | 20.7812% | 1,778 |
| Efficiency ratio | 74.6796% | 1,902 |
| Assets per employee ($millions) | 2.2372% | 5,633 |
| Cash dividends to net income (ytd only)* | 27.3860% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3035% | 5,664 |
| Loan loss allowance to noncurrent loans | 131.5600% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3789% | 3,595 |
| Noncurrent loans to loans | 0.2307% | 4,202 |
| Net loans and leases to total assets | 85.7904% | 288 |
| Net loans and leases to deposits | 117.7992% | 122 |
| Net loans and leases to core deposits | 134.8797% | 239 |
| Total domestic deposits to total assets | 72.8276% | 5,402 |
| Equity capital to assets | 11.6418% | 2,199 |
| Core capital (leverage) ratio | 11.1375% | 2,283 |
| Tier 1 risk-based capital ratio | 11.5582% | 4,918 |
| Total risk-based capital ratio | 11.8725% | 5,342 |
| Memoranda: | ||
| Average total assets | $1,921,594,670 | 425 |
| Average earning assets | $1,785,080,330 | 419 |
| Average equity | $220,860,670 | 410 |
| Average total loans | $1,655,499,670 | 362 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3711% | 4,992 |
| Cost of funding earning assets | 0.2875% | 4,167 |
| Net interest margin | 3.0836% | 4,702 |
| Noninterest income to average assets | 5.0201% | 116 |
| Noninterest expense to average assets | 6.5678% | 141 |
| Loan and lease loss provision to assets | -0.1152% | 5,757 |
| Net operating income to assets | 0.9234% | 2,648 |
| Return on assets (ROA) | 0.9234% | 2,705 |
| Pretax return on assets | 1.4316% | 1,762 |
| Return on Equity (ROE) | 8.0878% | 2,880 |
| Retained earnings to average equity (ytd only) | 0.7219% | 4,743 |
| Net charge-offs to loans | -0.0012% | 3,971 |
| Credit loss provision to net charge-offs | 10,960.0000% | 23 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2716% | 1,038 |
| Assets per employee ($millions) | 2.1903% | 5,709 |
| Cash dividends to net income (ytd only)* | 91.0747% | 812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3856% | 5,694 |
| Loan loss allowance to noncurrent loans | 116.9735% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 3,307 |
| Noncurrent loans to loans | 0.3296% | 3,931 |
| Net loans and leases to total assets | 85.5837% | 250 |
| Net loans and leases to deposits | 111.3566% | 196 |
| Net loans and leases to core deposits | 126.1489% | 322 |
| Total domestic deposits to total assets | 76.8555% | 5,132 |
| Equity capital to assets | 11.9420% | 1,880 |
| Core capital (leverage) ratio | 10.9725% | 2,382 |
| Tier 1 risk-based capital ratio | 11.6138% | 4,968 |
| Total risk-based capital ratio | 12.0060% | 5,355 |
| Memoranda: | ||
| Average total assets | $1,902,507,500 | 434 |
| Average earning assets | $1,767,000,500 | 426 |
| Average equity | $217,215,000 | 414 |
| Average total loans | $1,640,043,500 | 363 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4122% | 4,953 |
| Cost of funding earning assets | 0.3064% | 3,997 |
| Net interest margin | 3.1057% | 4,712 |
| Noninterest income to average assets | 6.9140% | 86 |
| Noninterest expense to average assets | 7.2120% | 127 |
| Loan and lease loss provision to assets | 0.0934% | 2,489 |
| Net operating income to assets | 1.5132% | 812 |
| Return on assets (ROA) | 1.5306% | 808 |
| Pretax return on assets | 2.5077% | 197 |
| Return on Equity (ROE) | 14.9772% | 631 |
| Retained earnings to average equity (ytd only) | 8.1390% | 805 |
| Net charge-offs to loans | 0.0465% | 3,106 |
| Credit loss provision to net charge-offs | 232.4224% | 1,240 |
| Earnings coverage of net charge-offs (x) | 64.0559% | 845 |
| Efficiency ratio | 73.6707% | 2,331 |
| Assets per employee ($millions) | 2.4630% | 5,673 |
| Cash dividends to net income (ytd only)* | 45.6576% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3883% | 5,742 |
| Loan loss allowance to noncurrent loans | 71.4378% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 2,600 |
| Noncurrent loans to loans | 0.5436% | 3,219 |
| Net loans and leases to total assets | 86.1345% | 226 |
| Net loans and leases to deposits | 121.9818% | 74 |
| Net loans and leases to core deposits | 138.1634% | 194 |
| Total domestic deposits to total assets | 70.6125% | 5,635 |
| Equity capital to assets | 10.9350% | 2,680 |
| Core capital (leverage) ratio | 9.9549% | 3,543 |
| Tier 1 risk-based capital ratio | 11.1014% | 5,288 |
| Total risk-based capital ratio | 11.5052% | 5,617 |
| Memoranda: | ||
| Average total assets | $2,003,382,800 | 391 |
| Average earning assets | $1,852,519,600 | 388 |
| Average equity | $204,731,200 | 426 |
| Average total loans | $1,732,956,200 | 335 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3604% | 5,104 |
| Cost of funding earning assets | 0.3009% | 4,090 |
| Net interest margin | 3.0596% | 4,877 |
| Noninterest income to average assets | 6.7119% | 90 |
| Noninterest expense to average assets | 7.1139% | 130 |
| Loan and lease loss provision to assets | 0.1482% | 1,585 |
| Net operating income to assets | 1.3903% | 1,087 |
| Return on assets (ROA) | 1.4044% | 1,113 |
| Pretax return on assets | 2.2977% | 319 |
| Return on Equity (ROE) | 13.9839% | 831 |
| Retained earnings to average equity (ytd only) | 7.3740% | 1,450 |
| Net charge-offs to loans | 0.0786% | 2,197 |
| Credit loss provision to net charge-offs | 217.9688% | 1,352 |
| Earnings coverage of net charge-offs (x) | 35.6582% | 1,329 |
| Efficiency ratio | 74.5591% | 2,177 |
| Assets per employee ($millions) | 2.5777% | 5,691 |
| Cash dividends to net income (ytd only)* | 47.2679% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3736% | 5,815 |
| Loan loss allowance to noncurrent loans | 115.9418% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 3,356 |
| Noncurrent loans to loans | 0.3222% | 4,099 |
| Net loans and leases to total assets | 86.9066% | 193 |
| Net loans and leases to deposits | 127.1203% | 60 |
| Net loans and leases to core deposits | 146.1999% | 152 |
| Total domestic deposits to total assets | 68.3656% | 5,761 |
| Equity capital to assets | 10.1741% | 3,951 |
| Core capital (leverage) ratio | 9.6129% | 4,038 |
| Tier 1 risk-based capital ratio | 10.9350% | 5,398 |
| Total risk-based capital ratio | 11.3508% | 5,707 |
| Memoranda: | ||
| Average total assets | $2,008,555,750 | 393 |
| Average earning assets | $1,855,119,500 | 389 |
| Average equity | $201,712,000 | 433 |
| Average total loans | $1,737,585,750 | 337 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3191% | 5,248 |
| Cost of funding earning assets | 0.2848% | 4,297 |
| Net interest margin | 3.0343% | 5,007 |
| Noninterest income to average assets | 6.2893% | 95 |
| Noninterest expense to average assets | 6.8327% | 143 |
| Loan and lease loss provision to assets | 0.1319% | 1,735 |
| Net operating income to assets | 1.2951% | 1,278 |
| Return on assets (ROA) | 1.2989% | 1,383 |
| Pretax return on assets | 2.1252% | 442 |
| Return on Equity (ROE) | 12.9931% | 1,032 |
| Retained earnings to average equity (ytd only) | 2.9170% | 4,055 |
| Net charge-offs to loans | 0.0916% | 1,929 |
| Credit loss provision to net charge-offs | 166.9643% | 1,478 |
| Earnings coverage of net charge-offs (x) | 28.5051% | 1,427 |
| Efficiency ratio | 75.1888% | 2,197 |
| Assets per employee ($millions) | 2.4911% | 5,791 |
| Cash dividends to net income (ytd only)* | 77.5494% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3362% | 5,923 |
| Loan loss allowance to noncurrent loans | 76.0881% | 4,214 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 2,974 |
| Noncurrent loans to loans | 0.4418% | 3,785 |
| Net loans and leases to total assets | 85.4218% | 294 |
| Net loans and leases to deposits | 129.9386% | 45 |
| Net loans and leases to core deposits | 151.0286% | 120 |
| Total domestic deposits to total assets | 65.7401% | 5,894 |
| Equity capital to assets | 9.7758% | 4,480 |
| Core capital (leverage) ratio | 9.6746% | 3,967 |
| Tier 1 risk-based capital ratio | 10.8265% | 5,514 |
| Total risk-based capital ratio | 11.1899% | 5,817 |
| Memoranda: | ||
| Average total assets | $1,985,541,670 | 396 |
| Average earning assets | $1,828,607,330 | 391 |
| Average equity | $198,490,670 | 438 |
| Average total loans | $1,712,667,330 | 340 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3689% | 5,189 |
| Cost of funding earning assets | 0.2793% | 4,401 |
| Net interest margin | 3.0896% | 4,892 |
| Noninterest income to average assets | 4.8466% | 126 |
| Noninterest expense to average assets | 6.2499% | 163 |
| Loan and lease loss provision to assets | 0.1457% | 1,451 |
| Net operating income to assets | 0.8061% | 3,211 |
| Return on assets (ROA) | 0.8044% | 3,337 |
| Pretax return on assets | 1.3075% | 2,273 |
| Return on Equity (ROE) | 7.9529% | 2,943 |
| Retained earnings to average equity (ytd only) | 7.9529% | 1,475 |
| Net charge-offs to loans | 0.0205% | 2,529 |
| Credit loss provision to net charge-offs | 822.0930% | 426 |
| Earnings coverage of net charge-offs (x) | 82.1395% | 626 |
| Efficiency ratio | 81.0688% | 1,478 |
| Assets per employee ($millions) | 2.4359% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3679% | 5,973 |
| Loan loss allowance to noncurrent loans | 118.8293% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 3,321 |
| Noncurrent loans to loans | 0.3096% | 4,321 |
| Net loans and leases to total assets | 85.3826% | 266 |
| Net loans and leases to deposits | 132.7162% | 29 |
| Net loans and leases to core deposits | 152.5448% | 99 |
| Total domestic deposits to total assets | 64.3347% | 5,995 |
| Equity capital to assets | 10.2820% | 3,766 |
| Core capital (leverage) ratio | 9.6308% | 3,998 |
| Tier 1 risk-based capital ratio | 11.0028% | 5,501 |
| Total risk-based capital ratio | 11.3835% | 5,813 |
| Memoranda: | ||
| Average total assets | $1,940,755,500 | 400 |
| Average earning assets | $1,796,088,500 | 396 |
| Average equity | $196,306,500 | 434 |
| Average total loans | $1,679,711,500 | 341 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3380% | 5,280 |
| Cost of funding earning assets | 0.2452% | 4,835 |
| Net interest margin | 3.0927% | 4,918 |
| Noninterest income to average assets | 6.6287% | 93 |
| Noninterest expense to average assets | 7.0576% | 138 |
| Loan and lease loss provision to assets | 0.0724% | 2,824 |
| Net operating income to assets | 1.4476% | 948 |
| Return on assets (ROA) | 1.4482% | 981 |
| Pretax return on assets | 2.3720% | 258 |
| Return on Equity (ROE) | 14.8206% | 714 |
| Retained earnings to average equity (ytd only) | 13.7241% | 176 |
| Net charge-offs to loans | 0.0976% | 2,442 |
| Credit loss provision to net charge-offs | 88.0704% | 2,795 |
| Earnings coverage of net charge-offs (x) | 29.7353% | 1,467 |
| Efficiency ratio | 74.2466% | 2,540 |
| Assets per employee ($millions) | 2.4527% | 5,914 |
| Cash dividends to net income (ytd only)* | 7.3984% | 4,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3140% | 6,046 |
| Loan loss allowance to noncurrent loans | 97.8241% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 3,285 |
| Noncurrent loans to loans | 0.3209% | 4,309 |
| Net loans and leases to total assets | 87.1185% | 162 |
| Net loans and leases to deposits | 138.6254% | 20 |
| Net loans and leases to core deposits | 159.8855% | 77 |
| Total domestic deposits to total assets | 62.8446% | 6,063 |
| Equity capital to assets | 9.9495% | 4,023 |
| Core capital (leverage) ratio | 9.7866% | 3,792 |
| Tier 1 risk-based capital ratio | 10.6440% | 5,704 |
| Total risk-based capital ratio | 11.2817% | 5,882 |
| Memoranda: | ||
| Average total assets | $1,866,706,800 | 396 |
| Average earning assets | $1,733,744,400 | 389 |
| Average equity | $182,401,600 | 446 |
| Average total loans | $1,571,844,000 | 342 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 5,309 |
| Cost of funding earning assets | 0.2480% | 4,903 |
| Net interest margin | 3.1048% | 4,952 |
| Noninterest income to average assets | 7.1266% | 92 |
| Noninterest expense to average assets | 7.2438% | 138 |
| Loan and lease loss provision to assets | 0.0792% | 2,587 |
| Net operating income to assets | 1.6344% | 712 |
| Return on assets (ROA) | 1.6351% | 735 |
| Pretax return on assets | 2.6815% | 177 |
| Return on Equity (ROE) | 16.8150% | 487 |
| Retained earnings to average equity (ytd only) | 16.8150% | 107 |
| Net charge-offs to loans | 0.1268% | 1,862 |
| Credit loss provision to net charge-offs | 74.8634% | 2,687 |
| Earnings coverage of net charge-offs (x) | 26.0963% | 1,628 |
| Efficiency ratio | 72.3798% | 2,812 |
| Assets per employee ($millions) | 2.2786% | 6,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3229% | 6,137 |
| Loan loss allowance to noncurrent loans | 99.4887% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6998% | 3,154 |
| Noncurrent loans to loans | 0.3245% | 4,443 |
| Net loans and leases to total assets | 85.3550% | 265 |
| Net loans and leases to deposits | 130.7160% | 41 |
| Net loans and leases to core deposits | 150.5681% | 108 |
| Total domestic deposits to total assets | 65.2980% | 6,110 |
| Equity capital to assets | 10.4907% | 3,612 |
| Core capital (leverage) ratio | 9.5140% | 4,284 |
| Tier 1 risk-based capital ratio | 11.1343% | 5,588 |
| Total risk-based capital ratio | 11.5976% | 5,873 |
| Memoranda: | ||
| Average total assets | $1,845,916,500 | 401 |
| Average earning assets | $1,710,314,500 | 394 |
| Average equity | $179,501,500 | 456 |
| Average total loans | $1,538,793,500 | 348 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2666% | 5,503 |
| Cost of funding earning assets | 0.2385% | 5,072 |
| Net interest margin | 3.0281% | 5,157 |
| Noninterest income to average assets | 7.2170% | 95 |
| Noninterest expense to average assets | 7.3182% | 135 |
| Loan and lease loss provision to assets | 0.1078% | 2,028 |
| Net operating income to assets | 1.5813% | 777 |
| Return on assets (ROA) | 1.5824% | 804 |
| Pretax return on assets | 2.5939% | 220 |
| Return on Equity (ROE) | 16.7070% | 527 |
| Retained earnings to average equity (ytd only) | 16.7070% | 134 |
| Net charge-offs to loans | 0.1850% | 1,348 |
| Credit loss provision to net charge-offs | 70.5300% | 2,458 |
| Earnings coverage of net charge-offs (x) | 17.6629% | 1,842 |
| Efficiency ratio | 73.0153% | 2,836 |
| Assets per employee ($millions) | 2.3867% | 6,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3103% | 6,211 |
| Loan loss allowance to noncurrent loans | 91.9103% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9014% | 2,731 |
| Noncurrent loans to loans | 0.3376% | 4,479 |
| Net loans and leases to total assets | 85.5755% | 259 |
| Net loans and leases to deposits | 141.5724% | 20 |
| Net loans and leases to core deposits | 162.0204% | 76 |
| Total domestic deposits to total assets | 60.4465% | 6,244 |
| Equity capital to assets | 9.4860% | 4,670 |
| Core capital (leverage) ratio | 9.2055% | 4,684 |
| Tier 1 risk-based capital ratio | 10.5886% | 5,890 |
| Total risk-based capital ratio | 11.3749% | 5,995 |
| Memoranda: | ||
| Average total assets | $1,851,312,330 | 404 |
| Average earning assets | $1,712,543,000 | 396 |
| Average equity | $175,351,330 | 465 |
| Average total loans | $1,529,450,000 | 350 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1497% | 5,723 |
| Cost of funding earning assets | 0.2278% | 5,238 |
| Net interest margin | 2.9219% | 5,401 |
| Noninterest income to average assets | 6.4952% | 110 |
| Noninterest expense to average assets | 7.0249% | 149 |
| Loan and lease loss provision to assets | 0.0447% | 3,028 |
| Net operating income to assets | 1.2947% | 1,290 |
| Return on assets (ROA) | 1.2971% | 1,373 |
| Pretax return on assets | 2.1224% | 459 |
| Return on Equity (ROE) | 13.7053% | 937 |
| Retained earnings to average equity (ytd only) | 13.7053% | 382 |
| Net charge-offs to loans | 0.1103% | 1,637 |
| Credit loss provision to net charge-offs | 50.1235% | 2,095 |
| Earnings coverage of net charge-offs (x) | 24.2395% | 1,299 |
| Efficiency ratio | 76.4168% | 2,445 |
| Assets per employee ($millions) | 2.5620% | 6,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3340% | 6,276 |
| Loan loss allowance to noncurrent loans | 68.4519% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 2,664 |
| Noncurrent loans to loans | 0.4880% | 4,115 |
| Net loans and leases to total assets | 78.6284% | 849 |
| Net loans and leases to deposits | 133.7348% | 29 |
| Net loans and leases to core deposits | 152.6528% | 94 |
| Total domestic deposits to total assets | 58.7943% | 6,332 |
| Equity capital to assets | 9.0042% | 5,289 |
| Core capital (leverage) ratio | 9.5692% | 4,182 |
| Tier 1 risk-based capital ratio | 10.4922% | 6,014 |
| Total risk-based capital ratio | 11.0825% | 6,172 |
| Memoranda: | ||
| Average total assets | $1,815,137,000 | 408 |
| Average earning assets | $1,673,041,000 | 405 |
| Average equity | $171,787,500 | 471 |
| Average total loans | $1,468,521,000 | 352 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5777% | 5,141 |
| Cost of funding earning assets | 0.2824% | 4,981 |
| Net interest margin | 3.2952% | 4,582 |
| Noninterest income to average assets | 6.1378% | 100 |
| Noninterest expense to average assets | 6.9834% | 136 |
| Loan and lease loss provision to assets | 0.2431% | 958 |
| Net operating income to assets | 1.1426% | 1,801 |
| Return on assets (ROA) | 1.1435% | 1,867 |
| Pretax return on assets | 1.8890% | 659 |
| Return on Equity (ROE) | 11.6318% | 1,515 |
| Retained earnings to average equity (ytd only) | 11.6318% | 325 |
| Net charge-offs to loans | 0.3674% | 1,185 |
| Credit loss provision to net charge-offs | 81.0994% | 2,843 |
| Earnings coverage of net charge-offs (x) | 7.1082% | 3,087 |
| Efficiency ratio | 76.5735% | 2,427 |
| Assets per employee ($millions) | 2.2348% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3814% | 6,332 |
| Loan loss allowance to noncurrent loans | 77.6339% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.2362% | 2,286 |
| Noncurrent loans to loans | 0.4912% | 4,188 |
| Net loans and leases to total assets | 82.9211% | 438 |
| Net loans and leases to deposits | 121.9305% | 82 |
| Net loans and leases to core deposits | 138.6141% | 176 |
| Total domestic deposits to total assets | 68.0069% | 6,268 |
| Equity capital to assets | 9.9978% | 4,116 |
| Core capital (leverage) ratio | 9.4090% | 4,368 |
| Tier 1 risk-based capital ratio | 10.9582% | 5,922 |
| Total risk-based capital ratio | 11.8640% | 6,002 |
| Memoranda: | ||
| Average total assets | $1,577,998,000 | 444 |
| Average earning assets | $1,425,264,400 | 442 |
| Average equity | $155,135,600 | 494 |
| Average total loans | $1,287,269,400 | 366 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5935% | 5,157 |
| Cost of funding earning assets | 0.2873% | 5,019 |
| Net interest margin | 3.3062% | 4,584 |
| Noninterest income to average assets | 6.1247% | 103 |
| Noninterest expense to average assets | 7.1160% | 136 |
| Loan and lease loss provision to assets | 0.3290% | 563 |
| Net operating income to assets | 0.9992% | 2,453 |
| Return on assets (ROA) | 1.0003% | 2,514 |
| Pretax return on assets | 1.6543% | 1,173 |
| Return on Equity (ROE) | 10.2213% | 2,105 |
| Retained earnings to average equity (ytd only) | 10.2213% | 652 |
| Net charge-offs to loans | 0.4682% | 841 |
| Credit loss provision to net charge-offs | 86.6124% | 2,485 |
| Earnings coverage of net charge-offs (x) | 5.2173% | 3,308 |
| Efficiency ratio | 78.1688% | 2,159 |
| Assets per employee ($millions) | 2.1483% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4091% | 6,402 |
| Loan loss allowance to noncurrent loans | 69.2695% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.4662% | 2,099 |
| Noncurrent loans to loans | 0.5906% | 4,154 |
| Net loans and leases to total assets | 82.6021% | 449 |
| Net loans and leases to deposits | 123.9589% | 73 |
| Net loans and leases to core deposits | 142.4405% | 141 |
| Total domestic deposits to total assets | 66.6367% | 6,389 |
| Equity capital to assets | 9.6426% | 4,621 |
| Core capital (leverage) ratio | 8.4216% | 5,735 |
| Tier 1 risk-based capital ratio | 10.2294% | 6,289 |
| Total risk-based capital ratio | 11.1997% | 6,325 |
| Memoranda: | ||
| Average total assets | $1,552,352,750 | 448 |
| Average earning assets | $1,395,815,750 | 448 |
| Average equity | $151,914,250 | 500 |
| Average total loans | $1,259,364,250 | 371 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5153% | 5,378 |
| Cost of funding earning assets | 0.2892% | 5,081 |
| Net interest margin | 3.2261% | 4,852 |
| Noninterest income to average assets | 5.6608% | 109 |
| Noninterest expense to average assets | 6.9621% | 137 |
| Loan and lease loss provision to assets | 0.4582% | 345 |
| Net operating income to assets | 0.6838% | 3,924 |
| Return on assets (ROA) | 0.6848% | 4,021 |
| Pretax return on assets | 1.1300% | 2,978 |
| Return on Equity (ROE) | 6.9600% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.9600% | 1,795 |
| Net charge-offs to loans | 0.6741% | 566 |
| Credit loss provision to net charge-offs | 84.4769% | 2,269 |
| Earnings coverage of net charge-offs (x) | 2.9253% | 3,431 |
| Efficiency ratio | 81.3847% | 1,824 |
| Assets per employee ($millions) | 1.9873% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4177% | 6,476 |
| Loan loss allowance to noncurrent loans | 63.2328% | 4,714 |
| Noncurrent assets plus other real estate owned to assets | 1.8799% | 1,730 |
| Noncurrent loans to loans | 0.6605% | 4,056 |
| Net loans and leases to total assets | 80.5528% | 622 |
| Net loans and leases to deposits | 121.5552% | 75 |
| Net loans and leases to core deposits | 140.6470% | 137 |
| Total domestic deposits to total assets | 66.2685% | 6,475 |
| Equity capital to assets | 9.4190% | 4,823 |
| Core capital (leverage) ratio | 8.7425% | 5,348 |
| Tier 1 risk-based capital ratio | 10.0127% | 6,397 |
| Total risk-based capital ratio | 11.0014% | 6,443 |
| Memoranda: | ||
| Average total assets | $1,515,552,000 | 454 |
| Average earning assets | $1,356,691,330 | 456 |
| Average equity | $149,108,330 | 501 |
| Average total loans | $1,219,448,000 | 380 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5803% | 5,229 |
| Cost of funding earning assets | 0.3031% | 5,030 |
| Net interest margin | 3.2772% | 4,637 |
| Noninterest income to average assets | 4.8036% | 123 |
| Noninterest expense to average assets | 6.7219% | 153 |
| Loan and lease loss provision to assets | 0.9460% | 119 |
| Net operating income to assets | 0.0490% | 6,132 |
| Return on assets (ROA) | 0.0499% | 6,147 |
| Pretax return on assets | 0.0746% | 6,114 |
| Return on Equity (ROE) | 0.4958% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.4958% | 5,385 |
| Net charge-offs to loans | 1.3564% | 241 |
| Credit loss provision to net charge-offs | 86.9357% | 1,829 |
| Earnings coverage of net charge-offs (x) | 0.9367% | 3,229 |
| Efficiency ratio | 86.7697% | 1,361 |
| Assets per employee ($millions) | 1.8187% | 6,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5078% | 6,495 |
| Loan loss allowance to noncurrent loans | 59.1511% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 2.0765% | 1,622 |
| Noncurrent loans to loans | 0.8584% | 3,744 |
| Net loans and leases to total assets | 78.7199% | 686 |
| Net loans and leases to deposits | 103.0712% | 326 |
| Net loans and leases to core deposits | 119.4730% | 335 |
| Total domestic deposits to total assets | 76.3743% | 6,043 |
| Equity capital to assets | 10.3594% | 3,384 |
| Core capital (leverage) ratio | 8.8907% | 5,153 |
| Tier 1 risk-based capital ratio | 10.8140% | 6,236 |
| Total risk-based capital ratio | 11.3255% | 6,425 |
| Memoranda: | ||
| Average total assets | $1,457,558,500 | 471 |
| Average earning assets | $1,306,471,500 | 479 |
| Average equity | $146,825,000 | 506 |
| Average total loans | $1,169,290,500 | 391 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6554% | 5,263 |
| Cost of funding earning assets | 0.3262% | 5,364 |
| Net interest margin | 3.3292% | 4,554 |
| Noninterest income to average assets | 6.5234% | 102 |
| Noninterest expense to average assets | 7.1510% | 141 |
| Loan and lease loss provision to assets | 0.4477% | 647 |
| Net operating income to assets | 1.1807% | 1,643 |
| Return on assets (ROA) | 1.1639% | 1,762 |
| Pretax return on assets | 1.9347% | 560 |
| Return on Equity (ROE) | 11.1164% | 1,727 |
| Retained earnings to average equity (ytd only) | -5.5316% | 6,397 |
| Net charge-offs to loans | 0.7132% | 903 |
| Credit loss provision to net charge-offs | 75.9727% | 3,140 |
| Earnings coverage of net charge-offs (x) | 4.0874% | 3,676 |
| Efficiency ratio | 74.7482% | 3,004 |
| Assets per employee ($millions) | 1.7879% | 6,680 |
| Cash dividends to net income (ytd only)* | 149.7610% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5136% | 6,560 |
| Loan loss allowance to noncurrent loans | 36.0419% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 1.9450% | 1,857 |
| Noncurrent loans to loans | 1.4251% | 2,754 |
| Net loans and leases to total assets | 80.8538% | 505 |
| Net loans and leases to deposits | 112.7206% | 126 |
| Net loans and leases to core deposits | 128.0994% | 216 |
| Total domestic deposits to total assets | 71.7294% | 6,442 |
| Equity capital to assets | 9.8009% | 4,041 |
| Core capital (leverage) ratio | 8.8541% | 5,209 |
| Tier 1 risk-based capital ratio | 10.4749% | 6,371 |
| Total risk-based capital ratio | 11.0094% | 6,536 |
| Memoranda: | ||
| Average total assets | $1,491,587,800 | 456 |
| Average earning assets | $1,360,406,200 | 453 |
| Average equity | $156,174,600 | 479 |
| Average total loans | $1,232,485,200 | 361 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 5,167 |
| Cost of funding earning assets | 0.3327% | 5,445 |
| Net interest margin | 3.3679% | 4,404 |
| Noninterest income to average assets | 7.1327% | 93 |
| Noninterest expense to average assets | 7.3479% | 136 |
| Loan and lease loss provision to assets | 0.6096% | 394 |
| Net operating income to assets | 1.3536% | 1,219 |
| Return on assets (ROA) | 1.3536% | 1,265 |
| Pretax return on assets | 2.2492% | 350 |
| Return on Equity (ROE) | 12.7246% | 1,311 |
| Retained earnings to average equity (ytd only) | -4.0846% | 6,442 |
| Net charge-offs to loans | 0.7870% | 750 |
| Credit loss provision to net charge-offs | 93.3589% | 2,553 |
| Earnings coverage of net charge-offs (x) | 4.3782% | 3,456 |
| Efficiency ratio | 71.9398% | 3,413 |
| Assets per employee ($millions) | 1.8655% | 6,742 |
| Cash dividends to net income (ytd only)* | 132.1004% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6492% | 6,503 |
| Loan loss allowance to noncurrent loans | 40.9827% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 2.2905% | 1,720 |
| Noncurrent loans to loans | 1.5840% | 2,791 |
| Net loans and leases to total assets | 81.2392% | 430 |
| Net loans and leases to deposits | 110.1592% | 152 |
| Net loans and leases to core deposits | 126.9598% | 227 |
| Total domestic deposits to total assets | 73.7471% | 6,386 |
| Equity capital to assets | 10.5313% | 3,239 |
| Core capital (leverage) ratio | 8.7986% | 5,416 |
| Tier 1 risk-based capital ratio | 12.0241% | 5,763 |
| Total risk-based capital ratio | 12.7013% | 6,043 |
| Memoranda: | ||
| Average total assets | $1,491,262,500 | 458 |
| Average earning assets | $1,361,035,000 | 448 |
| Average equity | $158,639,250 | 480 |
| Average total loans | $1,237,284,000 | 359 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 5,664 |
| Cost of funding earning assets | 0.3222% | 5,643 |
| Net interest margin | 3.1909% | 4,979 |
| Noninterest income to average assets | 7.3627% | 93 |
| Noninterest expense to average assets | 7.2584% | 139 |
| Loan and lease loss provision to assets | 0.6332% | 394 |
| Net operating income to assets | 1.4402% | 1,002 |
| Return on assets (ROA) | 1.4402% | 1,083 |
| Pretax return on assets | 2.3934% | 309 |
| Return on Equity (ROE) | 13.4960% | 1,126 |
| Retained earnings to average equity (ytd only) | 1.0859% | 5,462 |
| Net charge-offs to loans | 1.0770% | 561 |
| Credit loss provision to net charge-offs | 70.5370% | 2,812 |
| Earnings coverage of net charge-offs (x) | 3.3716% | 3,409 |
| Efficiency ratio | 70.5215% | 3,733 |
| Assets per employee ($millions) | 2.1689% | 6,691 |
| Cash dividends to net income (ytd only)* | 91.9540% | 647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4452% | 6,746 |
| Loan loss allowance to noncurrent loans | 36.9442% | 5,753 |
| Noncurrent assets plus other real estate owned to assets | 1.9638% | 2,194 |
| Noncurrent loans to loans | 1.2051% | 3,544 |
| Net loans and leases to total assets | 84.1904% | 225 |
| Net loans and leases to deposits | 135.0227% | 31 |
| Net loans and leases to core deposits | 151.7986% | 92 |
| Total domestic deposits to total assets | 62.3528% | 6,819 |
| Equity capital to assets | 9.6201% | 4,425 |
| Core capital (leverage) ratio | 9.8033% | 3,787 |
| Tier 1 risk-based capital ratio | 11.6124% | 6,050 |
| Total risk-based capital ratio | 12.1209% | 6,360 |
| Memoranda: | ||
| Average total assets | $1,510,157,330 | 454 |
| Average earning assets | $1,383,074,670 | 446 |
| Average equity | $161,159,000 | 467 |
| Average total loans | $1,258,694,000 | 348 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6916% | 5,198 |
| Cost of funding earning assets | 0.3426% | 5,620 |
| Net interest margin | 3.3490% | 4,320 |
| Noninterest income to average assets | 7.3537% | 97 |
| Noninterest expense to average assets | 7.2162% | 144 |
| Loan and lease loss provision to assets | 0.2355% | 1,549 |
| Net operating income to assets | 1.7782% | 491 |
| Return on assets (ROA) | 1.7782% | 547 |
| Pretax return on assets | 2.9680% | 160 |
| Return on Equity (ROE) | 15.7862% | 640 |
| Retained earnings to average equity (ytd only) | 15.7862% | 295 |
| Net charge-offs to loans | 1.0910% | 550 |
| Credit loss provision to net charge-offs | 26.1176% | 2,949 |
| Earnings coverage of net charge-offs (x) | 3.5524% | 2,745 |
| Efficiency ratio | 69.2018% | 4,114 |
| Assets per employee ($millions) | 1.8632% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4758% | 6,808 |
| Loan loss allowance to noncurrent loans | 41.9395% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 1.9970% | 2,349 |
| Noncurrent loans to loans | 1.1345% | 3,888 |
| Net loans and leases to total assets | 82.8061% | 248 |
| Net loans and leases to deposits | 115.6508% | 87 |
| Net loans and leases to core deposits | 131.3956% | 167 |
| Total domestic deposits to total assets | 71.6001% | 6,678 |
| Equity capital to assets | 11.5758% | 2,350 |
| Core capital (leverage) ratio | 10.3524% | 2,965 |
| Tier 1 risk-based capital ratio | 13.3077% | 5,005 |
| Total risk-based capital ratio | 13.8264% | 5,479 |
| Memoranda: | ||
| Average total assets | $1,448,632,000 | 468 |
| Average earning assets | $1,326,263,500 | 465 |
| Average equity | $163,180,000 | 472 |
| Average total loans | $1,197,464,000 | 370 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 5,304 |
| Cost of funding earning assets | 0.4792% | 5,358 |
| Net interest margin | 3.5208% | 4,417 |
| Noninterest income to average assets | 6.9259% | 101 |
| Noninterest expense to average assets | 7.2126% | 138 |
| Loan and lease loss provision to assets | 0.5388% | 1,069 |
| Net operating income to assets | 1.3738% | 1,145 |
| Return on assets (ROA) | 1.3864% | 1,235 |
| Pretax return on assets | 2.3067% | 338 |
| Return on Equity (ROE) | 13.6647% | 1,068 |
| Retained earnings to average equity (ytd only) | 13.6647% | 217 |
| Net charge-offs to loans | 0.5834% | 1,981 |
| Credit loss provision to net charge-offs | 112.4483% | 2,590 |
| Earnings coverage of net charge-offs (x) | 5.8975% | 2,920 |
| Efficiency ratio | 71.7950% | 3,457 |
| Assets per employee ($millions) | 1.8897% | 6,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6933% | 6,648 |
| Loan loss allowance to noncurrent loans | 43.6267% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 2.3707% | 2,069 |
| Noncurrent loans to loans | 1.5891% | 3,239 |
| Net loans and leases to total assets | 81.5610% | 356 |
| Net loans and leases to deposits | 113.7783% | 117 |
| Net loans and leases to core deposits | 128.5000% | 199 |
| Total domestic deposits to total assets | 71.6841% | 6,707 |
| Equity capital to assets | 10.9582% | 3,004 |
| Core capital (leverage) ratio | 9.6537% | 3,886 |
| Tier 1 risk-based capital ratio | 12.7857% | 5,264 |
| Total risk-based capital ratio | 13.5476% | 5,556 |
| Memoranda: | ||
| Average total assets | $1,463,577,600 | 461 |
| Average earning assets | $1,293,876,000 | 468 |
| Average equity | $148,492,200 | 489 |
| Average total loans | $1,202,089,000 | 365 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 5,282 |
| Cost of funding earning assets | 0.5110% | 5,366 |
| Net interest margin | 3.5628% | 4,385 |
| Noninterest income to average assets | 6.3848% | 104 |
| Noninterest expense to average assets | 6.9547% | 147 |
| Loan and lease loss provision to assets | 0.3207% | 2,058 |
| Net operating income to assets | 1.3409% | 1,348 |
| Return on assets (ROA) | 1.3561% | 1,454 |
| Pretax return on assets | 2.2572% | 432 |
| Return on Equity (ROE) | 13.6382% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.6382% | 332 |
| Net charge-offs to loans | 0.2997% | 2,944 |
| Credit loss provision to net charge-offs | 130.2997% | 2,212 |
| Earnings coverage of net charge-offs (x) | 10.3777% | 2,196 |
| Efficiency ratio | 73.0837% | 3,132 |
| Assets per employee ($millions) | 2.0618% | 6,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6278% | 6,828 |
| Loan loss allowance to noncurrent loans | 42.4404% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 2.4564% | 2,156 |
| Noncurrent loans to loans | 1.4792% | 3,576 |
| Net loans and leases to total assets | 84.0905% | 221 |
| Net loans and leases to deposits | 133.2644% | 40 |
| Net loans and leases to core deposits | 151.3157% | 108 |
| Total domestic deposits to total assets | 63.1005% | 7,030 |
| Equity capital to assets | 9.8002% | 4,780 |
| Core capital (leverage) ratio | 8.7380% | 5,417 |
| Tier 1 risk-based capital ratio | 11.5769% | 6,183 |
| Total risk-based capital ratio | 12.3010% | 6,434 |
| Memoranda: | ||
| Average total assets | $1,464,289,750 | 458 |
| Average earning assets | $1,283,971,250 | 472 |
| Average equity | $145,597,750 | 493 |
| Average total loans | $1,202,685,750 | 366 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 5,461 |
| Cost of funding earning assets | 0.5379% | 5,387 |
| Net interest margin | 3.5200% | 4,592 |
| Noninterest income to average assets | 5.7622% | 122 |
| Noninterest expense to average assets | 6.7252% | 155 |
| Loan and lease loss provision to assets | 0.3642% | 1,812 |
| Net operating income to assets | 1.0565% | 2,219 |
| Return on assets (ROA) | 1.0736% | 2,374 |
| Pretax return on assets | 1.7877% | 1,071 |
| Return on Equity (ROE) | 10.7401% | 2,083 |
| Retained earnings to average equity (ytd only) | 10.7401% | 799 |
| Net charge-offs to loans | 0.2184% | 3,263 |
| Credit loss provision to net charge-offs | 205.3755% | 1,386 |
| Earnings coverage of net charge-offs (x) | 11.9842% | 1,922 |
| Efficiency ratio | 75.9282% | 2,755 |
| Assets per employee ($millions) | 2.1201% | 7,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6499% | 6,883 |
| Loan loss allowance to noncurrent loans | 56.8983% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.3649% | 2,358 |
| Noncurrent loans to loans | 1.1423% | 4,242 |
| Net loans and leases to total assets | 83.3938% | 242 |
| Net loans and leases to deposits | 131.4885% | 41 |
| Net loans and leases to core deposits | 150.1423% | 106 |
| Total domestic deposits to total assets | 63.4229% | 7,095 |
| Equity capital to assets | 9.2912% | 5,334 |
| Core capital (leverage) ratio | 8.7536% | 5,289 |
| Tier 1 risk-based capital ratio | 10.6843% | 6,621 |
| Total risk-based capital ratio | 11.7587% | 6,675 |
| Memoranda: | ||
| Average total assets | $1,426,636,000 | 471 |
| Average earning assets | $1,251,645,330 | 488 |
| Average equity | $142,606,000 | 501 |
| Average total loans | $1,158,682,000 | 377 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 5,632 |
| Cost of funding earning assets | 0.5543% | 5,472 |
| Net interest margin | 3.4863% | 4,770 |
| Noninterest income to average assets | 5.0294% | 134 |
| Noninterest expense to average assets | 6.3943% | 178 |
| Loan and lease loss provision to assets | 0.3507% | 1,784 |
| Net operating income to assets | 0.8072% | 3,341 |
| Return on assets (ROA) | 0.8163% | 3,544 |
| Pretax return on assets | 1.3613% | 2,332 |
| Return on Equity (ROE) | 7.8413% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.8413% | 2,039 |
| Net charge-offs to loans | 0.2460% | 2,697 |
| Credit loss provision to net charge-offs | 179.0909% | 1,439 |
| Earnings coverage of net charge-offs (x) | 8.6697% | 1,931 |
| Efficiency ratio | 78.9638% | 2,358 |
| Assets per employee ($millions) | 1.9599% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6496% | 6,934 |
| Loan loss allowance to noncurrent loans | 39.7332% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 3.2292% | 1,789 |
| Noncurrent loans to loans | 1.6348% | 3,655 |
| Net loans and leases to total assets | 78.6658% | 527 |
| Net loans and leases to deposits | 107.8379% | 168 |
| Net loans and leases to core deposits | 122.9189% | 271 |
| Total domestic deposits to total assets | 72.9481% | 6,834 |
| Equity capital to assets | 10.0290% | 4,090 |
| Core capital (leverage) ratio | 9.7356% | 3,727 |
| Tier 1 risk-based capital ratio | 11.5303% | 6,263 |
| Total risk-based capital ratio | 12.2294% | 6,536 |
| Memoranda: | ||
| Average total assets | $1,348,078,000 | 495 |
| Average earning assets | $1,184,301,500 | 509 |
| Average equity | $140,334,500 | 506 |
| Average total loans | $1,073,327,500 | 396 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 5,694 |
| Cost of funding earning assets | 0.7686% | 5,073 |
| Net interest margin | 3.5529% | 4,919 |
| Noninterest income to average assets | 4.5354% | 136 |
| Noninterest expense to average assets | 6.2658% | 185 |
| Loan and lease loss provision to assets | 0.2948% | 3,305 |
| Net operating income to assets | 0.6663% | 3,654 |
| Return on assets (ROA) | 0.6730% | 3,811 |
| Pretax return on assets | 1.0980% | 2,845 |
| Return on Equity (ROE) | 6.3267% | 3,726 |
| Retained earnings to average equity (ytd only) | 6.3267% | 1,840 |
| Net charge-offs to loans | 0.4753% | 3,090 |
| Credit loss provision to net charge-offs | 79.4420% | 4,481 |
| Earnings coverage of net charge-offs (x) | 3.7254% | 3,410 |
| Efficiency ratio | 81.9252% | 2,037 |
| Assets per employee ($millions) | 1.9411% | 7,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6564% | 6,954 |
| Loan loss allowance to noncurrent loans | 76.2777% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.2985% | 2,627 |
| Noncurrent loans to loans | 0.8605% | 4,967 |
| Net loans and leases to total assets | 79.5768% | 537 |
| Net loans and leases to deposits | 110.4746% | 166 |
| Net loans and leases to core deposits | 125.4010% | 282 |
| Total domestic deposits to total assets | 72.0318% | 6,869 |
| Equity capital to assets | 10.8296% | 3,160 |
| Core capital (leverage) ratio | 9.7883% | 3,623 |
| Tier 1 risk-based capital ratio | 11.9758% | 5,850 |
| Total risk-based capital ratio | 12.6753% | 6,197 |
| Memoranda: | ||
| Average total assets | $1,178,462,600 | 552 |
| Average earning assets | $1,032,482,400 | 566 |
| Average equity | $125,358,200 | 552 |
| Average total loans | $920,051,600 | 456 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 6,008 |
| Cost of funding earning assets | 0.8055% | 5,115 |
| Net interest margin | 3.4737% | 5,302 |
| Noninterest income to average assets | 4.2684% | 145 |
| Noninterest expense to average assets | 6.0143% | 201 |
| Loan and lease loss provision to assets | 0.3034% | 3,102 |
| Net operating income to assets | 0.6266% | 3,986 |
| Return on assets (ROA) | 0.6338% | 4,133 |
| Pretax return on assets | 1.0309% | 3,281 |
| Return on Equity (ROE) | 5.9887% | 4,023 |
| Retained earnings to average equity (ytd only) | 5.9887% | 2,562 |
| Net charge-offs to loans | 0.5507% | 2,586 |
| Credit loss provision to net charge-offs | 71.0762% | 4,449 |
| Earnings coverage of net charge-offs (x) | 3.0995% | 3,585 |
| Efficiency ratio | 81.9690% | 1,978 |
| Assets per employee ($millions) | 1.8303% | 7,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6993% | 6,963 |
| Loan loss allowance to noncurrent loans | 61.5918% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 2.8982% | 2,232 |
| Noncurrent loans to loans | 1.1354% | 4,650 |
| Net loans and leases to total assets | 78.5115% | 659 |
| Net loans and leases to deposits | 102.7115% | 363 |
| Net loans and leases to core deposits | 116.2102% | 489 |
| Total domestic deposits to total assets | 76.4389% | 6,469 |
| Equity capital to assets | 10.5789% | 3,600 |
| Core capital (leverage) ratio | 9.6868% | 3,872 |
| Tier 1 risk-based capital ratio | 11.1775% | 6,445 |
| Total risk-based capital ratio | 12.0238% | 6,659 |
| Memoranda: | ||
| Average total assets | $1,152,310,750 | 571 |
| Average earning assets | $1,018,026,500 | 584 |
| Average equity | $121,960,000 | 573 |
| Average total loans | $893,121,500 | 471 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 6,406 |
| Cost of funding earning assets | 0.8365% | 5,153 |
| Net interest margin | 3.3026% | 5,852 |
| Noninterest income to average assets | 3.8295% | 175 |
| Noninterest expense to average assets | 5.7601% | 230 |
| Loan and lease loss provision to assets | 0.3681% | 2,590 |
| Net operating income to assets | 0.4229% | 4,846 |
| Return on assets (ROA) | 0.4302% | 4,958 |
| Pretax return on assets | 0.6868% | 4,428 |
| Return on Equity (ROE) | 4.0643% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.0643% | 3,615 |
| Net charge-offs to loans | 0.7270% | 2,055 |
| Credit loss provision to net charge-offs | 65.7886% | 4,182 |
| Earnings coverage of net charge-offs (x) | 1.8648% | 3,933 |
| Efficiency ratio | 84.6628% | 1,742 |
| Assets per employee ($millions) | 1.8143% | 7,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 6,957 |
| Loan loss allowance to noncurrent loans | 76.0237% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 2.9425% | 2,278 |
| Noncurrent loans to loans | 0.9819% | 5,020 |
| Net loans and leases to total assets | 75.7601% | 1,112 |
| Net loans and leases to deposits | 94.0821% | 866 |
| Net loans and leases to core deposits | 107.4342% | 842 |
| Total domestic deposits to total assets | 80.5255% | 5,676 |
| Equity capital to assets | 10.6684% | 3,317 |
| Core capital (leverage) ratio | 9.5957% | 3,807 |
| Tier 1 risk-based capital ratio | 11.0740% | 6,467 |
| Total risk-based capital ratio | 11.9361% | 6,703 |
| Memoranda: | ||
| Average total assets | $1,139,847,330 | 583 |
| Average earning assets | $1,026,475,000 | 584 |
| Average equity | $120,661,000 | 580 |
| Average total loans | $877,285,330 | 489 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1954% | 6,287 |
| Cost of funding earning assets | 0.8518% | 5,259 |
| Net interest margin | 3.3435% | 5,629 |
| Noninterest income to average assets | 3.1912% | 207 |
| Noninterest expense to average assets | 5.7157% | 227 |
| Loan and lease loss provision to assets | 0.2542% | 3,113 |
| Net operating income to assets | 0.1911% | 5,810 |
| Return on assets (ROA) | 0.1911% | 5,870 |
| Pretax return on assets | 0.2711% | 5,747 |
| Return on Equity (ROE) | 1.8122% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.8122% | 5,029 |
| Net charge-offs to loans | 0.8411% | 1,565 |
| Credit loss provision to net charge-offs | 39.0998% | 3,972 |
| Earnings coverage of net charge-offs (x) | 0.8080% | 4,039 |
| Efficiency ratio | 91.5833% | 1,192 |
| Assets per employee ($millions) | 1.9488% | 7,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8659% | 6,789 |
| Loan loss allowance to noncurrent loans | 47.6615% | 5,135 |
| Noncurrent assets plus other real estate owned to assets | 3.2358% | 2,124 |
| Noncurrent loans to loans | 1.8169% | 3,806 |
| Net loans and leases to total assets | 68.6601% | 2,411 |
| Net loans and leases to deposits | 80.3663% | 2,645 |
| Net loans and leases to core deposits | 93.3925% | 1,964 |
| Total domestic deposits to total assets | 85.4340% | 3,818 |
| Equity capital to assets | 11.0335% | 2,655 |
| Core capital (leverage) ratio | 9.3810% | 3,994 |
| Tier 1 risk-based capital ratio | 12.7195% | 5,040 |
| Total risk-based capital ratio | 13.5885% | 5,403 |
| Memoranda: | ||
| Average total assets | $1,134,635,500 | 596 |
| Average earning assets | $1,034,951,500 | 586 |
| Average equity | $119,634,000 | 581 |
| Average total loans | $876,927,500 | 498 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8546% | 5,215 |
| Cost of funding earning assets | 1.0648% | 5,342 |
| Net interest margin | 3.7899% | 3,988 |
| Noninterest income to average assets | 4.7953% | 143 |
| Noninterest expense to average assets | 7.0591% | 154 |
| Loan and lease loss provision to assets | 0.6540% | 2,522 |
| Net operating income to assets | 0.3331% | 4,816 |
| Return on assets (ROA) | 0.3679% | 4,833 |
| Pretax return on assets | 0.5901% | 4,356 |
| Return on Equity (ROE) | 3.7364% | 4,642 |
| Retained earnings to average equity (ytd only) | 3.7364% | 3,250 |
| Net charge-offs to loans | 0.6872% | 2,947 |
| Credit loss provision to net charge-offs | 114.8908% | 3,775 |
| Earnings coverage of net charge-offs (x) | 2.0901% | 4,152 |
| Efficiency ratio | 85.5772% | 1,737 |
| Assets per employee ($millions) | 1.9031% | 7,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7639% | 7,036 |
| Loan loss allowance to noncurrent loans | 40.7637% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 2.9714% | 2,371 |
| Noncurrent loans to loans | 1.8739% | 3,721 |
| Net loans and leases to total assets | 84.0267% | 304 |
| Net loans and leases to deposits | 106.9278% | 293 |
| Net loans and leases to core deposits | 124.0564% | 425 |
| Total domestic deposits to total assets | 78.5826% | 6,195 |
| Equity capital to assets | 10.0933% | 3,626 |
| Core capital (leverage) ratio | 9.1424% | 4,280 |
| Tier 1 risk-based capital ratio | 11.3600% | 6,025 |
| Total risk-based capital ratio | 12.4867% | 6,129 |
| Memoranda: | ||
| Average total assets | $1,070,098,000 | 626 |
| Average earning assets | $975,128,200 | 613 |
| Average equity | $105,367,600 | 644 |
| Average total loans | $886,344,400 | 508 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8959% | 5,286 |
| Cost of funding earning assets | 1.1075% | 5,384 |
| Net interest margin | 3.7884% | 4,019 |
| Noninterest income to average assets | 4.4518% | 154 |
| Noninterest expense to average assets | 7.0389% | 149 |
| Loan and lease loss provision to assets | 0.5407% | 2,780 |
| Net operating income to assets | 0.1935% | 5,526 |
| Return on assets (ROA) | 0.2412% | 5,546 |
| Pretax return on assets | 0.3922% | 5,241 |
| Return on Equity (ROE) | 2.4667% | 5,444 |
| Retained earnings to average equity (ytd only) | 2.4667% | 4,696 |
| Net charge-offs to loans | 0.6441% | 2,819 |
| Credit loss provision to net charge-offs | 101.9788% | 4,224 |
| Earnings coverage of net charge-offs (x) | 1.6192% | 4,504 |
| Efficiency ratio | 89.1299% | 1,356 |
| Assets per employee ($millions) | 1.6796% | 7,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7315% | 7,145 |
| Loan loss allowance to noncurrent loans | 58.9675% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 2.2449% | 3,141 |
| Noncurrent loans to loans | 1.2405% | 4,775 |
| Net loans and leases to total assets | 84.5011% | 301 |
| Net loans and leases to deposits | 100.3344% | 636 |
| Net loans and leases to core deposits | 119.6100% | 628 |
| Total domestic deposits to total assets | 84.2195% | 3,993 |
| Equity capital to assets | 9.8496% | 4,349 |
| Core capital (leverage) ratio | 8.8516% | 4,921 |
| Tier 1 risk-based capital ratio | 10.6828% | 6,646 |
| Total risk-based capital ratio | 12.9079% | 5,759 |
| Memoranda: | ||
| Average total assets | $1,042,167,750 | 639 |
| Average earning assets | $947,845,500 | 632 |
| Average equity | $101,888,500 | 653 |
| Average total loans | $857,758,750 | 517 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 4,781 |
| Cost of funding earning assets | 1.1441% | 5,444 |
| Net interest margin | 3.8892% | 3,496 |
| Noninterest income to average assets | 3.2702% | 204 |
| Noninterest expense to average assets | 6.8656% | 161 |
| Loan and lease loss provision to assets | 0.7998% | 1,807 |
| Net operating income to assets | -0.5334% | 6,680 |
| Return on assets (ROA) | -0.5239% | 6,708 |
| Pretax return on assets | -0.8527% | 6,816 |
| Return on Equity (ROE) | -5.3735% | 6,725 |
| Retained earnings to average equity (ytd only) | -5.3735% | 6,594 |
| Net charge-offs to loans | 0.7739% | 2,310 |
| Credit loss provision to net charge-offs | 127.1176% | 3,163 |
| Earnings coverage of net charge-offs (x) | -0.1077% | 5,805 |
| Efficiency ratio | 100.9965% | 769 |
| Assets per employee ($millions) | 1.5926% | 7,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 6,801 |
| Loan loss allowance to noncurrent loans | 88.5206% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 1.9679% | 3,531 |
| Noncurrent loans to loans | 1.0027% | 5,308 |
| Net loans and leases to total assets | 82.0961% | 519 |
| Net loans and leases to deposits | 96.9282% | 962 |
| Net loans and leases to core deposits | 116.3534% | 831 |
| Total domestic deposits to total assets | 84.6979% | 3,769 |
| Equity capital to assets | 9.9833% | 4,047 |
| Core capital (leverage) ratio | 8.9167% | 4,727 |
| Tier 1 risk-based capital ratio | 10.4509% | 6,720 |
| Total risk-based capital ratio | 12.8335% | 5,653 |
| Memoranda: | ||
| Average total assets | $1,024,531,330 | 646 |
| Average earning assets | $929,292,000 | 644 |
| Average equity | $99,897,670 | 658 |
| Average total loans | $832,954,670 | 531 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7097% | 6,211 |
| Cost of funding earning assets | 1.2143% | 5,318 |
| Net interest margin | 3.4954% | 5,178 |
| Noninterest income to average assets | 3.4102% | 188 |
| Noninterest expense to average assets | 6.1103% | 211 |
| Loan and lease loss provision to assets | 1.1550% | 1,059 |
| Net operating income to assets | -0.4269% | 6,786 |
| Return on assets (ROA) | -0.4078% | 6,801 |
| Pretax return on assets | -0.6609% | 6,878 |
| Return on Equity (ROE) | -4.2334% | 6,842 |
| Retained earnings to average equity (ytd only) | -4.2334% | 6,529 |
| Net charge-offs to loans | 1.0537% | 1,576 |
| Credit loss provision to net charge-offs | 136.1240% | 2,600 |
| Earnings coverage of net charge-offs (x) | 0.5472% | 4,545 |
| Efficiency ratio | 92.9382% | 1,205 |
| Assets per employee ($millions) | 1.6736% | 7,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 6,625 |
| Loan loss allowance to noncurrent loans | 93.4493% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 2.5440% | 2,858 |
| Noncurrent loans to loans | 1.0316% | 5,274 |
| Net loans and leases to total assets | 77.0398% | 1,319 |
| Net loans and leases to deposits | 92.4124% | 1,551 |
| Net loans and leases to core deposits | 108.8677% | 1,361 |
| Total domestic deposits to total assets | 83.3652% | 4,448 |
| Equity capital to assets | 10.4027% | 3,338 |
| Core capital (leverage) ratio | 9.1706% | 4,269 |
| Tier 1 risk-based capital ratio | 11.3965% | 5,772 |
| Total risk-based capital ratio | 15.4930% | 3,484 |
| Memoranda: | ||
| Average total assets | $1,019,192,000 | 665 |
| Average earning assets | $922,694,500 | 663 |
| Average equity | $98,172,500 | 677 |
| Average total loans | $820,693,000 | 556 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 6,190 |
| Cost of funding earning assets | 1.6696% | 4,676 |
| Net interest margin | 3.4008% | 5,359 |
| Noninterest income to average assets | 6.2154% | 116 |
| Noninterest expense to average assets | 7.8122% | 156 |
| Loan and lease loss provision to assets | 1.7020% | 1,340 |
| Net operating income to assets | -0.1417% | 5,748 |
| Return on assets (ROA) | -0.1419% | 5,743 |
| Pretax return on assets | -0.2346% | 5,742 |
| Return on Equity (ROE) | -1.5581% | 5,789 |
| Retained earnings to average equity (ytd only) | -1.5581% | 5,402 |
| Net charge-offs to loans | 2.0327% | 1,209 |
| Credit loss provision to net charge-offs | 100.2134% | 5,503 |
| Earnings coverage of net charge-offs (x) | 0.8641% | 5,246 |
| Efficiency ratio | 84.1850% | 2,327 |
| Assets per employee ($millions) | 1.6262% | 7,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 7,188 |
| Loan loss allowance to noncurrent loans | 99.9555% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 2.7135% | 2,575 |
| Noncurrent loans to loans | 0.7823% | 5,710 |
| Net loans and leases to total assets | 82.5195% | 608 |
| Net loans and leases to deposits | 101.0851% | 816 |
| Net loans and leases to core deposits | 123.0247% | 1,710 |
| Total domestic deposits to total assets | 81.6337% | 5,090 |
| Equity capital to assets | 8.8869% | 5,302 |
| Core capital (leverage) ratio | 7.9465% | 6,267 |
| Tier 1 risk-based capital ratio | 9.3298% | 7,313 |
| Total risk-based capital ratio | 13.1004% | 5,038 |
| Memoranda: | ||
| Average total assets | $938,197,400 | 718 |
| Average earning assets | $845,398,400 | 721 |
| Average equity | $85,426,800 | 749 |
| Average total loans | $783,900,200 | 582 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0933% | 6,294 |
| Cost of funding earning assets | 1.7311% | 4,739 |
| Net interest margin | 3.3622% | 5,399 |
| Noninterest income to average assets | 6.4213% | 116 |
| Noninterest expense to average assets | 8.0874% | 155 |
| Loan and lease loss provision to assets | 1.8795% | 976 |
| Net operating income to assets | -0.3175% | 6,228 |
| Return on assets (ROA) | -0.3176% | 6,236 |
| Pretax return on assets | -0.5167% | 6,315 |
| Return on Equity (ROE) | -3.4650% | 6,293 |
| Retained earnings to average equity (ytd only) | -3.4650% | 6,022 |
| Net charge-offs to loans | 2.1605% | 896 |
| Credit loss provision to net charge-offs | 103.9797% | 4,889 |
| Earnings coverage of net charge-offs (x) | 0.7541% | 5,289 |
| Efficiency ratio | 85.5764% | 2,113 |
| Assets per employee ($millions) | 1.5681% | 7,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9192% | 6,674 |
| Loan loss allowance to noncurrent loans | 21.8352% | 6,992 |
| Noncurrent assets plus other real estate owned to assets | 4.0524% | 1,567 |
| Noncurrent loans to loans | 4.2095% | 1,714 |
| Net loans and leases to total assets | 79.7862% | 1,216 |
| Net loans and leases to deposits | 93.8548% | 1,911 |
| Net loans and leases to core deposits | 119.3311% | 2,308 |
| Total domestic deposits to total assets | 85.0102% | 3,230 |
| Equity capital to assets | 9.1260% | 5,295 |
| Core capital (leverage) ratio | 8.3449% | 5,761 |
| Tier 1 risk-based capital ratio | 7.8562% | 7,814 |
| Total risk-based capital ratio | 11.1685% | 7,003 |
| Memoranda: | ||
| Average total assets | $913,773,500 | 753 |
| Average earning assets | $823,280,500 | 753 |
| Average equity | $83,768,750 | 778 |
| Average total loans | $764,487,500 | 614 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 6,310 |
| Cost of funding earning assets | 1.8006% | 4,757 |
| Net interest margin | 3.3315% | 5,430 |
| Noninterest income to average assets | 7.1100% | 100 |
| Noninterest expense to average assets | 8.3470% | 153 |
| Loan and lease loss provision to assets | 0.6895% | 2,362 |
| Net operating income to assets | 0.6506% | 3,463 |
| Return on assets (ROA) | 0.6503% | 3,572 |
| Pretax return on assets | 1.0540% | 2,799 |
| Return on Equity (ROE) | 7.0826% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.0826% | 1,549 |
| Net charge-offs to loans | 0.4001% | 3,198 |
| Credit loss provision to net charge-offs | 203.2301% | 2,244 |
| Earnings coverage of net charge-offs (x) | 5.1404% | 2,905 |
| Efficiency ratio | 82.7176% | 2,635 |
| Assets per employee ($millions) | 1.5504% | 8,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9893% | 6,328 |
| Loan loss allowance to noncurrent loans | 21.4796% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 4.4636% | 1,256 |
| Noncurrent loans to loans | 4.6057% | 1,385 |
| Net loans and leases to total assets | 85.6830% | 409 |
| Net loans and leases to deposits | 108.1594% | 644 |
| Net loans and leases to core deposits | 133.8101% | 1,323 |
| Total domestic deposits to total assets | 79.2192% | 5,743 |
| Equity capital to assets | 8.6130% | 5,877 |
| Core capital (leverage) ratio | 8.1603% | 6,055 |
| Tier 1 risk-based capital ratio | 8.2823% | 7,884 |
| Total risk-based capital ratio | 10.9175% | 7,202 |
| Memoranda: | ||
| Average total assets | $894,290,330 | 786 |
| Average earning assets | $800,189,000 | 795 |
| Average equity | $82,116,670 | 800 |
| Average total loans | $758,351,330 | 638 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3885% | 5,481 |
| Cost of funding earning assets | 1.9658% | 4,303 |
| Net interest margin | 3.4227% | 5,042 |
| Noninterest income to average assets | 6.4373% | 107 |
| Noninterest expense to average assets | 7.8747% | 157 |
| Loan and lease loss provision to assets | 1.1802% | 1,097 |
| Net operating income to assets | 0.2517% | 5,480 |
| Return on assets (ROA) | 0.2511% | 5,644 |
| Pretax return on assets | 0.4049% | 5,384 |
| Return on Equity (ROE) | 2.6428% | 5,510 |
| Retained earnings to average equity (ytd only) | 2.6428% | 4,411 |
| Net charge-offs to loans | 0.6048% | 1,970 |
| Credit loss provision to net charge-offs | 232.8125% | 1,975 |
| Earnings coverage of net charge-offs (x) | 3.1287% | 3,279 |
| Efficiency ratio | 83.2357% | 2,385 |
| Assets per employee ($millions) | 1.5014% | 8,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,818 |
| Loan loss allowance to noncurrent loans | 22.7942% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 4.0934% | 1,244 |
| Noncurrent loans to loans | 4.6018% | 1,232 |
| Net loans and leases to total assets | 85.4680% | 500 |
| Net loans and leases to deposits | 107.0176% | 786 |
| Net loans and leases to core deposits | 130.6718% | 1,620 |
| Total domestic deposits to total assets | 79.8635% | 5,415 |
| Equity capital to assets | 8.9741% | 5,388 |
| Core capital (leverage) ratio | 7.9068% | 6,604 |
| Tier 1 risk-based capital ratio | 9.0390% | 7,771 |
| Total risk-based capital ratio | 10.8862% | 7,237 |
| Memoranda: | ||
| Average total assets | $858,499,000 | 817 |
| Average earning assets | $758,355,500 | 841 |
| Average equity | $81,579,500 | 805 |
| Average total loans | $719,598,000 | 692 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9055% | 6,011 |
| Cost of funding earning assets | 2.6348% | 3,508 |
| Net interest margin | 3.2707% | 6,135 |
| Noninterest income to average assets | 2.4425% | 262 |
| Noninterest expense to average assets | 4.1790% | 1,170 |
| Loan and lease loss provision to assets | 0.6521% | 2,229 |
| Net operating income to assets | 0.3333% | 5,429 |
| Return on assets (ROA) | 0.3400% | 5,215 |
| Pretax return on assets | 0.5456% | 4,864 |
| Return on Equity (ROE) | 3.2513% | 5,136 |
| Retained earnings to average equity (ytd only) | -6.4621% | 6,718 |
| Net charge-offs to loans | 0.3869% | 2,889 |
| Credit loss provision to net charge-offs | 206.4300% | 2,348 |
| Earnings coverage of net charge-offs (x) | 3.7582% | 4,231 |
| Efficiency ratio | 77.8761% | 2,937 |
| Assets per employee ($millions) | 1.1080% | 8,224 |
| Cash dividends to net income (ytd only)* | 298.7537% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 5,917 |
| Loan loss allowance to noncurrent loans | 28.3018% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 3.1606% | 1,448 |
| Noncurrent loans to loans | 3.5754% | 1,412 |
| Net loans and leases to total assets | 80.1922% | 1,613 |
| Net loans and leases to deposits | 92.7949% | 2,995 |
| Net loans and leases to core deposits | 115.3631% | 3,198 |
| Total domestic deposits to total assets | 86.4188% | 2,209 |
| Equity capital to assets | 10.0839% | 3,938 |
| Core capital (leverage) ratio | 8.5637% | 5,460 |
| Tier 1 risk-based capital ratio | 9.1671% | 7,647 |
| Total risk-based capital ratio | 10.6657% | 7,313 |
| Memoranda: | ||
| Average total assets | $802,470,800 | 842 |
| Average earning assets | $717,331,200 | 847 |
| Average equity | $83,905,200 | 796 |
| Average total loans | $655,158,800 | 723 |