Home > First Foundation Bank > Performance and Condition Ratios
First Foundation Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 2,987 |
| Cost of funding earning assets | 2.8726% | 182 |
| Net interest margin | 1.6914% | 4,476 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 3.2406% | 788 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -1.5011% | 4,554 |
| Return on assets (ROA) | -1.4836% | 4,548 |
| Pretax return on assets | -1.4794% | 4,543 |
| Return on Equity (ROE) | -16.8900% | 4,533 |
| Retained earnings to average equity (ytd only) | -18.8408% | 4,517 |
| Net charge-offs to loans | 0.0300% | 1,706 |
| Credit loss provision to net charge-offs | -43.8652% | 4,458 |
| Earnings coverage of net charge-offs (x) | -62.6662% | 4,585 |
| Efficiency ratio | 91.3659% | 376 |
| Assets per employee ($millions) | 25.8729% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2869% | 4,428 |
| Loan loss allowance to noncurrent loans | 215.3443% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 2,437 |
| Noncurrent loans to loans | 0.1333% | 2,841 |
| Net loans and leases to total assets | 76.3100% | 1,077 |
| Net loans and leases to deposits | 94.8920% | 874 |
| Net loans and leases to core deposits | 170.6548% | 117 |
| Total domestic deposits to total assets | 80.4200% | 3,396 |
| Equity capital to assets | 8.0456% | 3,379 |
| Core capital (leverage) ratio | 8.3477% | 4,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0089% | 2,584 |
| Memoranda: | ||
| Average total assets | $13,138,410,400 | 134 |
| Average earning assets | $12,682,194,200 | 124 |
| Average equity | $1,154,001,600 | 153 |
| Average total loans | $10,488,470,200 | 121 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 2,793 |
| Cost of funding earning assets | 2.7669% | 169 |
| Net interest margin | 1.7846% | 4,483 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 3.8257% | 409 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | -2.0153% | 4,597 |
| Return on assets (ROA) | -2.0152% | 4,595 |
| Pretax return on assets | -1.9880% | 4,591 |
| Return on Equity (ROE) | -22.4600% | 4,575 |
| Retained earnings to average equity (ytd only) | -27.0033% | 4,569 |
| Net charge-offs to loans | 0.0320% | 1,437 |
| Credit loss provision to net charge-offs | -78.6530% | 4,518 |
| Earnings coverage of net charge-offs (x) | -77.2036% | 4,626 |
| Efficiency ratio | 88.6115% | 424 |
| Assets per employee ($millions) | 25.3289% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2839% | 4,450 |
| Loan loss allowance to noncurrent loans | 314.9746% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.1189% | 2,774 |
| Noncurrent loans to loans | 0.0901% | 3,131 |
| Net loans and leases to total assets | 78.7600% | 782 |
| Net loans and leases to deposits | 94.6438% | 853 |
| Net loans and leases to core deposits | 136.7573% | 259 |
| Total domestic deposits to total assets | 83.2200% | 2,973 |
| Equity capital to assets | 8.1827% | 2,938 |
| Core capital (leverage) ratio | 8.3373% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6560% | 2,697 |
| Memoranda: | ||
| Average total assets | $13,098,345,250 | 135 |
| Average earning assets | $12,622,483,750 | 125 |
| Average equity | $1,175,012,000 | 152 |
| Average total loans | $10,566,137,000 | 121 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5194% | 2,597 |
| Cost of funding earning assets | 2.7121% | 126 |
| Net interest margin | 1.8073% | 4,536 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 4.8423% | 231 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | -3.0596% | 4,634 |
| Return on assets (ROA) | -3.0595% | 4,634 |
| Pretax return on assets | -3.0125% | 4,632 |
| Return on Equity (ROE) | -33.1400% | 4,623 |
| Retained earnings to average equity (ytd only) | -36.4440% | 4,608 |
| Net charge-offs to loans | 0.0407% | 1,112 |
| Credit loss provision to net charge-offs | -3.4546% | 4,493 |
| Earnings coverage of net charge-offs (x) | -90.4629% | 4,656 |
| Efficiency ratio | 261.1062% | 17 |
| Assets per employee ($millions) | 23.8067% | 68 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2974% | 4,476 |
| Loan loss allowance to noncurrent loans | 295.2734% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 2,629 |
| Noncurrent loans to loans | 0.1007% | 2,981 |
| Net loans and leases to total assets | 82.4000% | 388 |
| Net loans and leases to deposits | 97.5259% | 641 |
| Net loans and leases to core deposits | 129.3737% | 339 |
| Total domestic deposits to total assets | 84.4900% | 2,694 |
| Equity capital to assets | 8.4318% | 2,918 |
| Core capital (leverage) ratio | 8.2105% | 4,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7307% | 2,702 |
| Memoranda: | ||
| Average total assets | $13,124,767,000 | 131 |
| Average earning assets | $12,609,075,333 | 123 |
| Average equity | $1,211,579,667 | 143 |
| Average total loans | $10,660,398,333 | 118 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3570% | 2,658 |
| Cost of funding earning assets | 2.4112% | 116 |
| Net interest margin | 1.9458% | 4,576 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.5582% | 4,348 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3117% | 4,234 |
| Return on assets (ROA) | 0.3115% | 4,198 |
| Pretax return on assets | 0.4002% | 4,133 |
| Return on Equity (ROE) | 3.2400% | 4,152 |
| Retained earnings to average equity (ytd only) | -1.4583% | 4,165 |
| Net charge-offs to loans | 0.0635% | 752 |
| Credit loss provision to net charge-offs | -55.2415% | 4,576 |
| Earnings coverage of net charge-offs (x) | 8.0777% | 1,734 |
| Efficiency ratio | 78.3825% | 967 |
| Assets per employee ($millions) | 22.8336% | 76 |
| Cash dividends to net income (ytd only)* | 145.0256% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2914% | 4,540 |
| Loan loss allowance to noncurrent loans | 228.2202% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 2,492 |
| Noncurrent loans to loans | 0.1277% | 2,873 |
| Net loans and leases to total assets | 78.3100% | 735 |
| Net loans and leases to deposits | 105.4959% | 264 |
| Net loans and leases to core deposits | 137.2238% | 204 |
| Total domestic deposits to total assets | 74.2300% | 4,274 |
| Equity capital to assets | 9.4285% | 2,203 |
| Core capital (leverage) ratio | 8.3060% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2251% | 2,915 |
| Memoranda: | ||
| Average total assets | $13,283,147,000 | 132 |
| Average earning assets | $12,682,179,500 | 125 |
| Average equity | $1,277,394,000 | 139 |
| Average total loans | $10,697,997,500 | 120 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 2,333 |
| Cost of funding earning assets | 0.7243% | 524 |
| Net interest margin | 3.0554% | 3,300 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 1.6553% | 4,240 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0453% | 2,397 |
| Return on assets (ROA) | 1.0453% | 2,339 |
| Pretax return on assets | 1.4190% | 1,715 |
| Return on Equity (ROE) | 10.0400% | 2,792 |
| Retained earnings to average equity (ytd only) | 10.0400% | 1,135 |
| Net charge-offs to loans | 0.0031% | 2,372 |
| Credit loss provision to net charge-offs | 84.1549% | 1,662 |
| Earnings coverage of net charge-offs (x) | 572.7077% | 304 |
| Efficiency ratio | 53.2163% | 3,857 |
| Assets per employee ($millions) | 19.7269% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3145% | 4,542 |
| Loan loss allowance to noncurrent loans | 269.3309% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.1443% | 2,526 |
| Noncurrent loans to loans | 0.1168% | 2,944 |
| Net loans and leases to total assets | 82.3700% | 380 |
| Net loans and leases to deposits | 102.7102% | 345 |
| Net loans and leases to core deposits | 124.2809% | 298 |
| Total domestic deposits to total assets | 80.2000% | 3,849 |
| Equity capital to assets | 9.8136% | 1,814 |
| Core capital (leverage) ratio | 8.5871% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0057% | 2,971 |
| Memoranda: | ||
| Average total assets | $11,424,053,800 | 149 |
| Average earning assets | $10,874,633,800 | 143 |
| Average equity | $1,189,349,200 | 151 |
| Average total loans | $9,162,560,400 | 132 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5961% | 2,358 |
| Cost of funding earning assets | 0.3706% | 1,522 |
| Net interest margin | 3.2255% | 2,547 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.6447% | 4,247 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 1.1590% | 1,858 |
| Return on assets (ROA) | 1.1591% | 1,834 |
| Pretax return on assets | 1.6039% | 1,112 |
| Return on Equity (ROE) | 10.9500% | 2,395 |
| Retained earnings to average equity (ytd only) | 10.9485% | 1,066 |
| Net charge-offs to loans | 0.0003% | 2,345 |
| Credit loss provision to net charge-offs | -5,052.9412% | 4,754 |
| Earnings coverage of net charge-offs (x) | 7,770.6471% | 8 |
| Efficiency ratio | 50.2060% | 4,144 |
| Assets per employee ($millions) | 18.7342% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3177% | 4,576 |
| Loan loss allowance to noncurrent loans | 265.7942% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 2,554 |
| Noncurrent loans to loans | 0.1195% | 3,048 |
| Net loans and leases to total assets | 83.9900% | 243 |
| Net loans and leases to deposits | 107.4159% | 163 |
| Net loans and leases to core deposits | 115.4046% | 339 |
| Total domestic deposits to total assets | 78.1900% | 4,244 |
| Equity capital to assets | 9.9931% | 1,628 |
| Core capital (leverage) ratio | 8.1386% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6801% | 3,086 |
| Memoranda: | ||
| Average total assets | $11,034,985,500 | 151 |
| Average earning assets | $10,495,745,000 | 147 |
| Average equity | $1,168,228,250 | 154 |
| Average total loans | $8,771,652,250 | 134 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4264% | 2,353 |
| Cost of funding earning assets | 0.1960% | 2,969 |
| Net interest margin | 3.2305% | 2,104 |
| Noninterest income to average assets | 0.1878% | 4,067 |
| Noninterest expense to average assets | 1.5541% | 4,350 |
| Loan and lease loss provision to assets | -0.0117% | 4,406 |
| Net operating income to assets | 1.2337% | 1,318 |
| Return on assets (ROA) | 1.2337% | 1,297 |
| Pretax return on assets | 1.7162% | 724 |
| Return on Equity (ROE) | 11.4071% | 1,863 |
| Retained earnings to average equity (ytd only) | 11.4071% | 716 |
| Net charge-offs to loans | -0.0037% | 3,255 |
| Credit loss provision to net charge-offs | 501.9737% | 626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1141% | 4,391 |
| Assets per employee ($millions) | 17.0903% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3519% | 4,639 |
| Loan loss allowance to noncurrent loans | 237.0114% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.1799% | 2,455 |
| Noncurrent loans to loans | 0.1485% | 2,952 |
| Net loans and leases to total assets | 83.6365% | 202 |
| Net loans and leases to deposits | 97.7777% | 352 |
| Net loans and leases to core deposits | 102.9326% | 552 |
| Total domestic deposits to total assets | 85.5373% | 3,366 |
| Equity capital to assets | 10.7006% | 1,357 |
| Core capital (leverage) ratio | 8.8116% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5020% | 2,923 |
| Memoranda: | ||
| Average total assets | $10,616,760,000 | 150 |
| Average earning assets | $10,091,973,000 | 147 |
| Average equity | $1,148,264,667 | 155 |
| Average total loans | $8,243,729,667 | 139 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 2,336 |
| Cost of funding earning assets | 0.1394% | 3,641 |
| Net interest margin | 3.1765% | 1,950 |
| Noninterest income to average assets | 0.2190% | 3,845 |
| Noninterest expense to average assets | 1.5624% | 4,352 |
| Loan and lease loss provision to assets | -0.0307% | 4,480 |
| Net operating income to assets | 1.2118% | 1,222 |
| Return on assets (ROA) | 1.2118% | 1,208 |
| Pretax return on assets | 1.7051% | 676 |
| Return on Equity (ROE) | 11.1400% | 1,567 |
| Retained earnings to average equity (ytd only) | 11.1400% | 758 |
| Net charge-offs to loans | 0.0006% | 1,827 |
| Credit loss provision to net charge-offs | -8,572.7273% | 3,554 |
| Earnings coverage of net charge-offs (x) | 3,923.7273% | 10 |
| Efficiency ratio | 47.6605% | 4,418 |
| Assets per employee ($millions) | 16.5352% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4155% | 4,640 |
| Loan loss allowance to noncurrent loans | 302.7022% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 2,660 |
| Noncurrent loans to loans | 0.1373% | 3,122 |
| Net loans and leases to total assets | 75.2716% | 551 |
| Net loans and leases to deposits | 86.9975% | 676 |
| Net loans and leases to core deposits | 91.5243% | 839 |
| Total domestic deposits to total assets | 86.5216% | 3,099 |
| Equity capital to assets | 11.2116% | 1,230 |
| Core capital (leverage) ratio | 9.1373% | 3,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6726% | 2,728 |
| Memoranda: | ||
| Average total assets | $10,310,978,500 | 154 |
| Average earning assets | $9,795,714,000 | 151 |
| Average equity | $1,121,650,500 | 159 |
| Average total loans | $7,653,526,000 | 142 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3565% | 3,034 |
| Cost of funding earning assets | 0.1788% | 3,672 |
| Net interest margin | 3.1777% | 2,661 |
| Noninterest income to average assets | 0.4001% | 3,046 |
| Noninterest expense to average assets | 1.5312% | 4,504 |
| Loan and lease loss provision to assets | 0.0486% | 2,086 |
| Net operating income to assets | 1.3476% | 1,453 |
| Return on assets (ROA) | 1.3476% | 1,492 |
| Pretax return on assets | 1.8774% | 769 |
| Return on Equity (ROE) | 13.5039% | 1,307 |
| Retained earnings to average equity (ytd only) | 10.7329% | 755 |
| Net charge-offs to loans | 0.0137% | 2,051 |
| Credit loss provision to net charge-offs | 103.9952% | 1,761 |
| Earnings coverage of net charge-offs (x) | 185.4988% | 567 |
| Efficiency ratio | 43.7157% | 4,583 |
| Assets per employee ($millions) | 16.8685% | 158 |
| Cash dividends to net income (ytd only)* | 20.5201% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4559% | 4,657 |
| Loan loss allowance to noncurrent loans | 405.5716% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 2,937 |
| Noncurrent loans to loans | 0.1124% | 3,361 |
| Net loans and leases to total assets | 72.4990% | 803 |
| Net loans and leases to deposits | 83.3981% | 957 |
| Net loans and leases to core deposits | 87.9423% | 1,081 |
| Total domestic deposits to total assets | 86.9312% | 2,550 |
| Equity capital to assets | 10.5357% | 2,138 |
| Core capital (leverage) ratio | 8.5276% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0416% | 2,882 |
| Memoranda: | ||
| Average total assets | $7,955,550,800 | 187 |
| Average earning assets | $7,653,478,000 | 176 |
| Average equity | $793,932,000 | 194 |
| Average total loans | $6,033,844,800 | 167 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5488% | 2,697 |
| Cost of funding earning assets | 0.2048% | 3,558 |
| Net interest margin | 3.3440% | 2,306 |
| Noninterest income to average assets | 0.5071% | 2,593 |
| Noninterest expense to average assets | 1.6078% | 4,460 |
| Loan and lease loss provision to assets | -0.0002% | 4,277 |
| Net operating income to assets | 1.5255% | 1,209 |
| Return on assets (ROA) | 1.5255% | 1,251 |
| Pretax return on assets | 2.1316% | 638 |
| Return on Equity (ROE) | 15.5842% | 1,024 |
| Retained earnings to average equity (ytd only) | 11.5356% | 936 |
| Net charge-offs to loans | -0.0056% | 3,466 |
| Credit loss provision to net charge-offs | 1,456.5401% | 409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4147% | 4,649 |
| Assets per employee ($millions) | 15.7023% | 182 |
| Cash dividends to net income (ytd only)* | 25.9792% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3612% | 4,786 |
| Loan loss allowance to noncurrent loans | 112.1773% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.2426% | 2,569 |
| Noncurrent loans to loans | 0.3220% | 2,624 |
| Net loans and leases to total assets | 75.0911% | 609 |
| Net loans and leases to deposits | 84.3263% | 942 |
| Net loans and leases to core deposits | 90.2020% | 1,021 |
| Total domestic deposits to total assets | 89.0482% | 1,251 |
| Equity capital to assets | 9.8061% | 3,097 |
| Core capital (leverage) ratio | 8.1577% | 4,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7117% | 3,015 |
| Memoranda: | ||
| Average total assets | $7,401,510,750 | 196 |
| Average earning assets | $7,153,850,750 | 186 |
| Average equity | $724,501,000 | 209 |
| Average total loans | $5,690,265,000 | 175 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5535% | 2,763 |
| Cost of funding earning assets | 0.2333% | 3,439 |
| Net interest margin | 3.3202% | 2,380 |
| Noninterest income to average assets | 0.2157% | 4,116 |
| Noninterest expense to average assets | 1.5801% | 4,537 |
| Loan and lease loss provision to assets | 0.0111% | 2,719 |
| Net operating income to assets | 1.3150% | 1,818 |
| Return on assets (ROA) | 1.3150% | 1,886 |
| Pretax return on assets | 1.8349% | 1,156 |
| Return on Equity (ROE) | 13.4422% | 1,584 |
| Retained earnings to average equity (ytd only) | 10.0808% | 1,369 |
| Net charge-offs to loans | -0.0036% | 3,334 |
| Credit loss provision to net charge-offs | 1,990.1961% | 296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4468% | 4,544 |
| Assets per employee ($millions) | 16.9896% | 150 |
| Cash dividends to net income (ytd only)* | 25.0063% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3705% | 4,817 |
| Loan loss allowance to noncurrent loans | 137.5919% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.2045% | 2,925 |
| Noncurrent loans to loans | 0.2693% | 2,973 |
| Net loans and leases to total assets | 75.6450% | 623 |
| Net loans and leases to deposits | 84.1204% | 1,059 |
| Net loans and leases to core deposits | 90.2960% | 1,121 |
| Total domestic deposits to total assets | 89.9247% | 817 |
| Equity capital to assets | 9.2309% | 3,582 |
| Core capital (leverage) ratio | 8.3177% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1738% | 2,927 |
| Memoranda: | ||
| Average total assets | $7,298,733,333 | 200 |
| Average earning assets | $7,057,596,333 | 188 |
| Average equity | $713,989,667 | 209 |
| Average total loans | $5,650,223,000 | 180 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6526% | 2,489 |
| Cost of funding earning assets | 0.2873% | 3,127 |
| Net interest margin | 3.3653% | 2,205 |
| Noninterest income to average assets | 0.1645% | 4,377 |
| Noninterest expense to average assets | 1.6402% | 4,478 |
| Loan and lease loss provision to assets | 0.0206% | 2,513 |
| Net operating income to assets | 1.2546% | 1,965 |
| Return on assets (ROA) | 1.2546% | 2,044 |
| Pretax return on assets | 1.7546% | 1,387 |
| Return on Equity (ROE) | 12.4279% | 1,862 |
| Retained earnings to average equity (ytd only) | 9.0264% | 1,949 |
| Net charge-offs to loans | -0.0140% | 3,829 |
| Credit loss provision to net charge-offs | 631.2500% | 540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2998% | 4,385 |
| Assets per employee ($millions) | 15.6384% | 175 |
| Cash dividends to net income (ytd only)* | 27.3698% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4117% | 4,821 |
| Loan loss allowance to noncurrent loans | 129.8381% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 2,869 |
| Noncurrent loans to loans | 0.3171% | 2,964 |
| Net loans and leases to total assets | 79.6770% | 352 |
| Net loans and leases to deposits | 89.4959% | 727 |
| Net loans and leases to core deposits | 97.9984% | 807 |
| Total domestic deposits to total assets | 89.0287% | 1,329 |
| Equity capital to assets | 10.1389% | 2,564 |
| Core capital (leverage) ratio | 8.5760% | 4,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7269% | 2,973 |
| Memoranda: | ||
| Average total assets | $6,989,518,500 | 204 |
| Average earning assets | $6,751,908,000 | 197 |
| Average equity | $705,573,000 | 211 |
| Average total loans | $5,469,731,000 | 184 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9110% | 2,996 |
| Cost of funding earning assets | 0.7305% | 1,563 |
| Net interest margin | 3.1804% | 3,406 |
| Noninterest income to average assets | 0.3570% | 3,333 |
| Noninterest expense to average assets | 1.5360% | 4,753 |
| Loan and lease loss provision to assets | 0.1012% | 3,070 |
| Net operating income to assets | 1.2748% | 1,320 |
| Return on assets (ROA) | 1.2748% | 1,421 |
| Pretax return on assets | 1.7945% | 693 |
| Return on Equity (ROE) | 13.0478% | 1,033 |
| Retained earnings to average equity (ytd only) | 11.5123% | 376 |
| Net charge-offs to loans | 0.0159% | 2,784 |
| Credit loss provision to net charge-offs | -59.3341% | 3,696 |
| Earnings coverage of net charge-offs (x) | 150.2509% | 573 |
| Efficiency ratio | 43.9316% | 4,789 |
| Assets per employee ($millions) | 15.5645% | 162 |
| Cash dividends to net income (ytd only)* | 11.7679% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4558% | 4,819 |
| Loan loss allowance to noncurrent loans | 115.8893% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 2,797 |
| Noncurrent loans to loans | 0.3933% | 2,800 |
| Net loans and leases to total assets | 76.1333% | 774 |
| Net loans and leases to deposits | 89.2156% | 988 |
| Net loans and leases to core deposits | 101.9681% | 816 |
| Total domestic deposits to total assets | 85.3363% | 2,642 |
| Equity capital to assets | 10.0500% | 3,086 |
| Core capital (leverage) ratio | 8.9799% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2503% | 2,853 |
| Memoranda: | ||
| Average total assets | $6,665,781,000 | 198 |
| Average earning assets | $6,444,264,600 | 186 |
| Average equity | $651,275,800 | 217 |
| Average total loans | $5,295,761,800 | 182 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 2,964 |
| Cost of funding earning assets | 0.8546% | 1,234 |
| Net interest margin | 3.1491% | 3,620 |
| Noninterest income to average assets | 0.4218% | 2,977 |
| Noninterest expense to average assets | 1.5457% | 4,772 |
| Loan and lease loss provision to assets | 0.1411% | 2,608 |
| Net operating income to assets | 1.2691% | 1,427 |
| Return on assets (ROA) | 1.2691% | 1,539 |
| Pretax return on assets | 1.7810% | 811 |
| Return on Equity (ROE) | 13.0876% | 1,082 |
| Retained earnings to average equity (ytd only) | 11.0033% | 576 |
| Net charge-offs to loans | 0.0153% | 2,580 |
| Credit loss provision to net charge-offs | -176.2768% | 3,631 |
| Earnings coverage of net charge-offs (x) | 156.6672% | 583 |
| Efficiency ratio | 43.7245% | 4,799 |
| Assets per employee ($millions) | 14.7949% | 170 |
| Cash dividends to net income (ytd only)* | 15.9258% | 2,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4716% | 4,838 |
| Loan loss allowance to noncurrent loans | 104.8835% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 2,721 |
| Noncurrent loans to loans | 0.4496% | 2,702 |
| Net loans and leases to total assets | 78.9395% | 718 |
| Net loans and leases to deposits | 93.2339% | 989 |
| Net loans and leases to core deposits | 113.8062% | 564 |
| Total domestic deposits to total assets | 84.6682% | 2,566 |
| Equity capital to assets | 10.4746% | 2,815 |
| Core capital (leverage) ratio | 8.2143% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4348% | 3,043 |
| Memoranda: | ||
| Average total assets | $6,596,783,000 | 196 |
| Average earning assets | $6,380,486,750 | 189 |
| Average equity | $639,682,750 | 218 |
| Average total loans | $5,292,401,500 | 182 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,335 |
| Cost of funding earning assets | 0.9613% | 1,101 |
| Net interest margin | 3.0353% | 4,046 |
| Noninterest income to average assets | 0.1314% | 4,648 |
| Noninterest expense to average assets | 1.5495% | 4,817 |
| Loan and lease loss provision to assets | 0.1636% | 2,365 |
| Net operating income to assets | 0.9515% | 2,486 |
| Return on assets (ROA) | 0.9515% | 2,619 |
| Pretax return on assets | 1.3545% | 1,850 |
| Return on Equity (ROE) | 10.0748% | 1,956 |
| Retained earnings to average equity (ytd only) | 10.0748% | 776 |
| Net charge-offs to loans | 0.0184% | 2,354 |
| Credit loss provision to net charge-offs | 623.2179% | 1,080 |
| Earnings coverage of net charge-offs (x) | 102.6538% | 691 |
| Efficiency ratio | 49.5209% | 4,529 |
| Assets per employee ($millions) | 16.3790% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4966% | 4,838 |
| Loan loss allowance to noncurrent loans | 180.5340% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2187% | 3,456 |
| Noncurrent loans to loans | 0.2751% | 3,400 |
| Net loans and leases to total assets | 79.1125% | 708 |
| Net loans and leases to deposits | 99.6198% | 576 |
| Net loans and leases to core deposits | 136.7516% | 194 |
| Total domestic deposits to total assets | 79.4144% | 3,951 |
| Equity capital to assets | 9.0484% | 4,047 |
| Core capital (leverage) ratio | 8.2153% | 4,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1178% | 3,149 |
| Memoranda: | ||
| Average total assets | $6,640,583,333 | 196 |
| Average earning assets | $6,423,671,667 | 185 |
| Average equity | $627,169,000 | 221 |
| Average total loans | $5,347,228,333 | 178 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1681% | 3,325 |
| Cost of funding earning assets | 1.1270% | 963 |
| Net interest margin | 3.0411% | 4,211 |
| Noninterest income to average assets | 0.1604% | 4,572 |
| Noninterest expense to average assets | 1.6448% | 4,828 |
| Loan and lease loss provision to assets | 0.2541% | 1,220 |
| Net operating income to assets | 0.8528% | 2,697 |
| Return on assets (ROA) | 0.8528% | 2,796 |
| Pretax return on assets | 1.2034% | 2,186 |
| Return on Equity (ROE) | 8.8239% | 2,183 |
| Retained earnings to average equity (ytd only) | 8.8239% | 1,022 |
| Net charge-offs to loans | 0.0061% | 2,355 |
| Credit loss provision to net charge-offs | 2,884.8101% | 269 |
| Earnings coverage of net charge-offs (x) | 295.1013% | 242 |
| Efficiency ratio | 51.9739% | 4,552 |
| Assets per employee ($millions) | 14.9052% | 130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4318% | 4,927 |
| Loan loss allowance to noncurrent loans | 216.6745% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.1633% | 3,845 |
| Noncurrent loans to loans | 0.1993% | 3,764 |
| Net loans and leases to total assets | 81.6050% | 484 |
| Net loans and leases to deposits | 105.1532% | 325 |
| Net loans and leases to core deposits | 156.7695% | 90 |
| Total domestic deposits to total assets | 77.6058% | 4,281 |
| Equity capital to assets | 9.6305% | 4,104 |
| Core capital (leverage) ratio | 8.4314% | 4,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0783% | 3,318 |
| Memoranda: | ||
| Average total assets | $6,398,445,500 | 194 |
| Average earning assets | $6,189,620,000 | 186 |
| Average equity | $618,412,000 | 226 |
| Average total loans | $5,188,451,500 | 182 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 3,603 |
| Cost of funding earning assets | 1.3226% | 727 |
| Net interest margin | 2.9551% | 4,566 |
| Noninterest income to average assets | 0.2354% | 4,270 |
| Noninterest expense to average assets | 1.7028% | 4,864 |
| Loan and lease loss provision to assets | 0.0429% | 3,147 |
| Net operating income to assets | 0.9500% | 3,019 |
| Return on assets (ROA) | 0.9459% | 3,119 |
| Pretax return on assets | 1.3367% | 2,369 |
| Return on Equity (ROE) | 9.8963% | 2,343 |
| Retained earnings to average equity (ytd only) | 7.3428% | 1,237 |
| Net charge-offs to loans | 0.0168% | 3,117 |
| Credit loss provision to net charge-offs | 315.0538% | 883 |
| Earnings coverage of net charge-offs (x) | 101.6774% | 670 |
| Efficiency ratio | 53.9432% | 4,427 |
| Assets per employee ($millions) | 14.7155% | 131 |
| Cash dividends to net income (ytd only)* | 25.8025% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4118% | 4,982 |
| Loan loss allowance to noncurrent loans | 155.8169% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.2119% | 3,616 |
| Noncurrent loans to loans | 0.2643% | 3,498 |
| Net loans and leases to total assets | 79.8617% | 808 |
| Net loans and leases to deposits | 102.5097% | 440 |
| Net loans and leases to core deposits | 155.8167% | 94 |
| Total domestic deposits to total assets | 77.9064% | 4,378 |
| Equity capital to assets | 9.7006% | 4,181 |
| Core capital (leverage) ratio | 8.2242% | 4,965 |
| Tier 1 risk-based capital ratio | 10.6249% | 4,979 |
| Total risk-based capital ratio | 11.1240% | 5,100 |
| Memoranda: | ||
| Average total assets | $6,145,667,800 | 194 |
| Average earning assets | $5,931,630,800 | 183 |
| Average equity | $587,433,600 | 225 |
| Average total loans | $4,986,227,400 | 179 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 3,674 |
| Cost of funding earning assets | 1.3608% | 658 |
| Net interest margin | 2.9315% | 4,720 |
| Noninterest income to average assets | 0.2610% | 4,178 |
| Noninterest expense to average assets | 1.7245% | 4,899 |
| Loan and lease loss provision to assets | 0.0424% | 3,051 |
| Net operating income to assets | 0.9303% | 3,228 |
| Return on assets (ROA) | 0.9249% | 3,326 |
| Pretax return on assets | 1.3152% | 2,614 |
| Return on Equity (ROE) | 9.7133% | 2,562 |
| Retained earnings to average equity (ytd only) | 9.7133% | 827 |
| Net charge-offs to loans | 0.0119% | 2,936 |
| Credit loss provision to net charge-offs | 438.6005% | 704 |
| Earnings coverage of net charge-offs (x) | 141.0907% | 564 |
| Efficiency ratio | 54.5806% | 4,328 |
| Assets per employee ($millions) | 14.8874% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4204% | 5,047 |
| Loan loss allowance to noncurrent loans | 95.1939% | 3,411 |
| Noncurrent assets plus other real estate owned to assets | 0.3396% | 3,167 |
| Noncurrent loans to loans | 0.4416% | 2,988 |
| Net loans and leases to total assets | 76.5616% | 1,382 |
| Net loans and leases to deposits | 93.6397% | 1,255 |
| Net loans and leases to core deposits | 138.4751% | 204 |
| Total domestic deposits to total assets | 81.7619% | 3,543 |
| Equity capital to assets | 9.6775% | 4,310 |
| Core capital (leverage) ratio | 8.3257% | 5,021 |
| Tier 1 risk-based capital ratio | 10.6503% | 5,037 |
| Total risk-based capital ratio | 11.1396% | 5,165 |
| Memoranda: | ||
| Average total assets | $6,107,528,500 | 197 |
| Average earning assets | $5,891,793,000 | 186 |
| Average equity | $581,550,000 | 228 |
| Average total loans | $4,970,117,000 | 179 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 3,557 |
| Cost of funding earning assets | 1.4049% | 528 |
| Net interest margin | 2.9211% | 4,802 |
| Noninterest income to average assets | 0.1596% | 4,787 |
| Noninterest expense to average assets | 1.7422% | 4,937 |
| Loan and lease loss provision to assets | 0.0587% | 2,648 |
| Net operating income to assets | 0.8228% | 3,576 |
| Return on assets (ROA) | 0.8228% | 3,632 |
| Pretax return on assets | 1.1727% | 3,005 |
| Return on Equity (ROE) | 8.6907% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.6907% | 1,129 |
| Net charge-offs to loans | 0.0229% | 2,387 |
| Credit loss provision to net charge-offs | 309.6154% | 878 |
| Earnings coverage of net charge-offs (x) | 64.9038% | 945 |
| Efficiency ratio | 57.2178% | 4,105 |
| Assets per employee ($millions) | 14.8190% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3845% | 5,117 |
| Loan loss allowance to noncurrent loans | 134.9456% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 3,588 |
| Noncurrent loans to loans | 0.2849% | 3,515 |
| Net loans and leases to total assets | 83.4862% | 414 |
| Net loans and leases to deposits | 109.9732% | 219 |
| Net loans and leases to core deposits | 169.6995% | 72 |
| Total domestic deposits to total assets | 75.9150% | 4,682 |
| Equity capital to assets | 9.4736% | 4,425 |
| Core capital (leverage) ratio | 8.1749% | 5,119 |
| Tier 1 risk-based capital ratio | 11.0417% | 4,890 |
| Total risk-based capital ratio | 11.5446% | 5,094 |
| Memoranda: | ||
| Average total assets | $6,029,357,670 | 200 |
| Average earning assets | $5,808,556,670 | 188 |
| Average equity | $570,815,670 | 231 |
| Average total loans | $5,001,466,670 | 176 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 3,524 |
| Cost of funding earning assets | 1.3706% | 510 |
| Net interest margin | 2.9403% | 4,837 |
| Noninterest income to average assets | 0.1568% | 4,800 |
| Noninterest expense to average assets | 1.8034% | 4,917 |
| Loan and lease loss provision to assets | 0.0365% | 2,887 |
| Net operating income to assets | 0.8032% | 3,607 |
| Return on assets (ROA) | 0.8032% | 3,651 |
| Pretax return on assets | 1.1458% | 2,990 |
| Return on Equity (ROE) | 8.4871% | 3,045 |
| Retained earnings to average equity (ytd only) | 8.4871% | 1,494 |
| Net charge-offs to loans | 0.0279% | 1,900 |
| Credit loss provision to net charge-offs | 158.8235% | 1,197 |
| Earnings coverage of net charge-offs (x) | 51.3794% | 1,008 |
| Efficiency ratio | 58.9722% | 3,957 |
| Assets per employee ($millions) | 14.0113% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3879% | 5,182 |
| Loan loss allowance to noncurrent loans | 123.2666% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2681% | 3,542 |
| Noncurrent loans to loans | 0.3147% | 3,439 |
| Net loans and leases to total assets | 82.4090% | 537 |
| Net loans and leases to deposits | 107.6767% | 278 |
| Net loans and leases to core deposits | 168.8741% | 66 |
| Total domestic deposits to total assets | 76.5337% | 4,704 |
| Equity capital to assets | 9.4884% | 4,269 |
| Core capital (leverage) ratio | 8.1665% | 5,154 |
| Tier 1 risk-based capital ratio | 10.9538% | 5,001 |
| Total risk-based capital ratio | 11.4448% | 5,193 |
| Memoranda: | ||
| Average total assets | $5,909,809,000 | 203 |
| Average earning assets | $5,686,120,500 | 191 |
| Average equity | $559,298,000 | 233 |
| Average total loans | $4,875,453,000 | 181 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 3,772 |
| Cost of funding earning assets | 0.9694% | 844 |
| Net interest margin | 3.1193% | 4,620 |
| Noninterest income to average assets | 0.1483% | 4,967 |
| Noninterest expense to average assets | 1.8912% | 4,907 |
| Loan and lease loss provision to assets | 0.0792% | 2,542 |
| Net operating income to assets | 0.8506% | 3,606 |
| Return on assets (ROA) | 0.8523% | 3,596 |
| Pretax return on assets | 1.1953% | 2,900 |
| Return on Equity (ROE) | 9.0704% | 2,960 |
| Retained earnings to average equity (ytd only) | 9.0704% | 833 |
| Net charge-offs to loans | 0.0820% | 1,965 |
| Credit loss provision to net charge-offs | 116.5746% | 2,223 |
| Earnings coverage of net charge-offs (x) | 18.7304% | 2,114 |
| Efficiency ratio | 58.5687% | 4,070 |
| Assets per employee ($millions) | 13.8312% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3957% | 5,218 |
| Loan loss allowance to noncurrent loans | 151.0814% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 3,686 |
| Noncurrent loans to loans | 0.2619% | 3,636 |
| Net loans and leases to total assets | 81.9340% | 660 |
| Net loans and leases to deposits | 105.1660% | 410 |
| Net loans and leases to core deposits | 163.0197% | 82 |
| Total domestic deposits to total assets | 77.9093% | 4,507 |
| Equity capital to assets | 9.4388% | 4,181 |
| Core capital (leverage) ratio | 8.2571% | 5,146 |
| Tier 1 risk-based capital ratio | 10.3553% | 5,229 |
| Total risk-based capital ratio | 10.8323% | 5,338 |
| Memoranda: | ||
| Average total assets | $5,329,002,200 | 214 |
| Average earning assets | $5,151,270,200 | 198 |
| Average equity | $500,715,200 | 241 |
| Average total loans | $4,413,102,000 | 187 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0426% | 3,808 |
| Cost of funding earning assets | 0.9021% | 914 |
| Net interest margin | 3.1405% | 4,634 |
| Noninterest income to average assets | 0.1470% | 5,039 |
| Noninterest expense to average assets | 1.9710% | 4,793 |
| Loan and lease loss provision to assets | 0.1063% | 1,886 |
| Net operating income to assets | 0.7923% | 3,931 |
| Return on assets (ROA) | 0.7947% | 3,931 |
| Pretax return on assets | 1.1113% | 3,351 |
| Return on Equity (ROE) | 8.4691% | 3,347 |
| Retained earnings to average equity (ytd only) | 8.4691% | 1,439 |
| Net charge-offs to loans | 0.1096% | 1,393 |
| Credit loss provision to net charge-offs | 116.9157% | 2,024 |
| Earnings coverage of net charge-offs (x) | 13.3586% | 2,369 |
| Efficiency ratio | 60.7456% | 3,697 |
| Assets per employee ($millions) | 12.8660% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4269% | 5,261 |
| Loan loss allowance to noncurrent loans | 134.9624% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2940% | 3,514 |
| Noncurrent loans to loans | 0.3163% | 3,534 |
| Net loans and leases to total assets | 81.0500% | 863 |
| Net loans and leases to deposits | 94.6000% | 1,313 |
| Net loans and leases to core deposits | 135.1725% | 255 |
| Total domestic deposits to total assets | 85.6765% | 2,338 |
| Equity capital to assets | 10.1070% | 3,534 |
| Core capital (leverage) ratio | 8.2397% | 5,228 |
| Tier 1 risk-based capital ratio | 11.8175% | 4,591 |
| Total risk-based capital ratio | 12.3435% | 4,888 |
| Memoranda: | ||
| Average total assets | $5,202,056,750 | 215 |
| Average earning assets | $5,032,850,500 | 202 |
| Average equity | $488,163,500 | 248 |
| Average total loans | $4,316,049,250 | 189 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7591% | 4,447 |
| Cost of funding earning assets | 0.8173% | 1,056 |
| Net interest margin | 2.9418% | 4,961 |
| Noninterest income to average assets | 0.0829% | 5,316 |
| Noninterest expense to average assets | 1.9323% | 4,915 |
| Loan and lease loss provision to assets | 0.1618% | 1,152 |
| Net operating income to assets | 0.6060% | 4,478 |
| Return on assets (ROA) | 0.6073% | 4,479 |
| Pretax return on assets | 0.8432% | 4,129 |
| Return on Equity (ROE) | 6.6544% | 4,005 |
| Retained earnings to average equity (ytd only) | 6.6544% | 2,228 |
| Net charge-offs to loans | 0.1657% | 938 |
| Credit loss provision to net charge-offs | 116.9587% | 1,822 |
| Earnings coverage of net charge-offs (x) | 7.2507% | 2,563 |
| Efficiency ratio | 64.8156% | 3,191 |
| Assets per employee ($millions) | 16.2949% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3852% | 5,367 |
| Loan loss allowance to noncurrent loans | 160.6629% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2482% | 3,769 |
| Noncurrent loans to loans | 0.2398% | 3,841 |
| Net loans and leases to total assets | 82.3782% | 669 |
| Net loans and leases to deposits | 105.6579% | 458 |
| Net loans and leases to core deposits | 141.2909% | 183 |
| Total domestic deposits to total assets | 77.9669% | 4,593 |
| Equity capital to assets | 9.0392% | 4,527 |
| Core capital (leverage) ratio | 8.2496% | 5,233 |
| Tier 1 risk-based capital ratio | 11.4887% | 4,790 |
| Total risk-based capital ratio | 11.9926% | 5,070 |
| Memoranda: | ||
| Average total assets | $5,113,389,670 | 217 |
| Average earning assets | $4,958,646,670 | 203 |
| Average equity | $466,666,000 | 250 |
| Average total loans | $4,271,112,670 | 191 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8236% | 4,155 |
| Cost of funding earning assets | 0.7460% | 1,207 |
| Net interest margin | 3.0776% | 4,746 |
| Noninterest income to average assets | 0.1774% | 4,964 |
| Noninterest expense to average assets | 1.8622% | 5,083 |
| Loan and lease loss provision to assets | 0.1440% | 1,301 |
| Net operating income to assets | 0.8418% | 3,543 |
| Return on assets (ROA) | 0.8513% | 3,513 |
| Pretax return on assets | 1.1823% | 2,830 |
| Return on Equity (ROE) | 9.2721% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.2721% | 1,374 |
| Net charge-offs to loans | 0.0089% | 2,417 |
| Credit loss provision to net charge-offs | 1,918.1818% | 202 |
| Earnings coverage of net charge-offs (x) | 175.0455% | 372 |
| Efficiency ratio | 57.7507% | 4,380 |
| Assets per employee ($millions) | 14.4856% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 5,339 |
| Loan loss allowance to noncurrent loans | 155.2072% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 3,594 |
| Noncurrent loans to loans | 0.3171% | 3,630 |
| Net loans and leases to total assets | 83.5694% | 484 |
| Net loans and leases to deposits | 110.8086% | 230 |
| Net loans and leases to core deposits | 147.2095% | 147 |
| Total domestic deposits to total assets | 75.4178% | 5,027 |
| Equity capital to assets | 8.9575% | 4,604 |
| Core capital (leverage) ratio | 8.7784% | 4,918 |
| Tier 1 risk-based capital ratio | 12.3025% | 4,378 |
| Total risk-based capital ratio | 12.9216% | 4,647 |
| Memoranda: | ||
| Average total assets | $4,688,110,000 | 233 |
| Average earning assets | $4,568,430,000 | 216 |
| Average equity | $430,451,000 | 270 |
| Average total loans | $3,940,671,500 | 202 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 4,714 |
| Cost of funding earning assets | 0.5715% | 1,818 |
| Net interest margin | 2.9688% | 4,952 |
| Noninterest income to average assets | 0.3302% | 4,111 |
| Noninterest expense to average assets | 1.8383% | 5,206 |
| Loan and lease loss provision to assets | 0.0686% | 2,830 |
| Net operating income to assets | 0.7076% | 3,571 |
| Return on assets (ROA) | 0.7076% | 3,626 |
| Pretax return on assets | 1.3291% | 2,254 |
| Return on Equity (ROE) | 8.5929% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.5929% | 587 |
| Net charge-offs to loans | -0.0073% | 4,714 |
| Credit loss provision to net charge-offs | -1,160.5042% | 5,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5059% | 4,713 |
| Assets per employee ($millions) | 13.6278% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4819% | 5,404 |
| Loan loss allowance to noncurrent loans | 136.7115% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 3,420 |
| Noncurrent loans to loans | 0.3525% | 3,498 |
| Net loans and leases to total assets | 83.7301% | 474 |
| Net loans and leases to deposits | 109.6956% | 278 |
| Net loans and leases to core deposits | 140.8742% | 202 |
| Total domestic deposits to total assets | 76.3295% | 4,944 |
| Equity capital to assets | 9.4209% | 4,304 |
| Core capital (leverage) ratio | 9.1994% | 4,397 |
| Tier 1 risk-based capital ratio | 13.0686% | 3,870 |
| Total risk-based capital ratio | 13.6914% | 4,142 |
| Memoranda: | ||
| Average total assets | $4,027,866,200 | 252 |
| Average earning assets | $3,942,512,600 | 235 |
| Average equity | $331,679,400 | 309 |
| Average total loans | $3,269,793,800 | 225 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 4,801 |
| Cost of funding earning assets | 0.5602% | 1,809 |
| Net interest margin | 2.9466% | 5,024 |
| Noninterest income to average assets | 0.3087% | 4,317 |
| Noninterest expense to average assets | 1.7622% | 5,311 |
| Loan and lease loss provision to assets | 0.0637% | 2,794 |
| Net operating income to assets | 0.8717% | 3,170 |
| Return on assets (ROA) | 0.8717% | 3,215 |
| Pretax return on assets | 1.3706% | 2,215 |
| Return on Equity (ROE) | 11.0488% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.0488% | 412 |
| Net charge-offs to loans | -0.0101% | 4,641 |
| Credit loss provision to net charge-offs | -782.3529% | 4,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9643% | 4,851 |
| Assets per employee ($millions) | 12.8054% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5132% | 5,443 |
| Loan loss allowance to noncurrent loans | 203.2284% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.2474% | 4,071 |
| Noncurrent loans to loans | 0.2525% | 4,052 |
| Net loans and leases to total assets | 83.8447% | 450 |
| Net loans and leases to deposits | 103.1690% | 542 |
| Net loans and leases to core deposits | 132.4316% | 302 |
| Total domestic deposits to total assets | 81.2693% | 3,978 |
| Equity capital to assets | 8.2923% | 5,396 |
| Core capital (leverage) ratio | 8.4237% | 5,301 |
| Tier 1 risk-based capital ratio | 12.3419% | 4,413 |
| Total risk-based capital ratio | 13.0109% | 4,667 |
| Memoranda: | ||
| Average total assets | $3,900,322,250 | 259 |
| Average earning assets | $3,822,548,500 | 244 |
| Average equity | $307,718,250 | 328 |
| Average total loans | $3,132,715,500 | 233 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4543% | 4,864 |
| Cost of funding earning assets | 0.5220% | 1,995 |
| Net interest margin | 2.9322% | 5,037 |
| Noninterest income to average assets | 0.2873% | 4,497 |
| Noninterest expense to average assets | 1.7759% | 5,336 |
| Loan and lease loss provision to assets | 0.0603% | 2,758 |
| Net operating income to assets | 0.8660% | 3,095 |
| Return on assets (ROA) | 0.8660% | 3,150 |
| Pretax return on assets | 1.3245% | 2,289 |
| Return on Equity (ROE) | 11.1767% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.1767% | 414 |
| Net charge-offs to loans | -0.0157% | 4,681 |
| Credit loss provision to net charge-offs | -488.2353% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0088% | 4,827 |
| Assets per employee ($millions) | 12.6598% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5183% | 5,494 |
| Loan loss allowance to noncurrent loans | 185.4714% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,054 |
| Noncurrent loans to loans | 0.2795% | 4,040 |
| Net loans and leases to total assets | 82.6947% | 583 |
| Net loans and leases to deposits | 103.2243% | 537 |
| Net loans and leases to core deposits | 134.1557% | 250 |
| Total domestic deposits to total assets | 80.1117% | 4,385 |
| Equity capital to assets | 8.3575% | 5,379 |
| Core capital (leverage) ratio | 8.4195% | 5,272 |
| Tier 1 risk-based capital ratio | 12.4300% | 4,339 |
| Total risk-based capital ratio | 13.1019% | 4,619 |
| Memoranda: | ||
| Average total assets | $3,851,594,670 | 263 |
| Average earning assets | $3,774,381,670 | 245 |
| Average equity | $298,442,000 | 335 |
| Average total loans | $3,040,194,330 | 239 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3043% | 5,094 |
| Cost of funding earning assets | 0.4562% | 2,468 |
| Net interest margin | 2.8481% | 5,169 |
| Noninterest income to average assets | 0.1993% | 5,074 |
| Noninterest expense to average assets | 1.9168% | 5,215 |
| Loan and lease loss provision to assets | 0.0072% | 3,465 |
| Net operating income to assets | 0.6716% | 3,829 |
| Return on assets (ROA) | 0.6716% | 3,867 |
| Pretax return on assets | 1.0659% | 3,104 |
| Return on Equity (ROE) | 9.0291% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.0291% | 1,068 |
| Net charge-offs to loans | -0.0314% | 4,952 |
| Credit loss provision to net charge-offs | -29.8701% | 3,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9172% | 3,853 |
| Assets per employee ($millions) | 12.4452% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5110% | 5,591 |
| Loan loss allowance to noncurrent loans | 115.4157% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 3,560 |
| Noncurrent loans to loans | 0.4427% | 3,505 |
| Net loans and leases to total assets | 82.9851% | 463 |
| Net loans and leases to deposits | 109.4712% | 226 |
| Net loans and leases to core deposits | 141.6578% | 158 |
| Total domestic deposits to total assets | 75.8054% | 5,250 |
| Equity capital to assets | 8.0873% | 5,478 |
| Core capital (leverage) ratio | 8.4309% | 5,275 |
| Tier 1 risk-based capital ratio | 11.7074% | 4,907 |
| Total risk-based capital ratio | 12.3437% | 5,160 |
| Memoranda: | ||
| Average total assets | $3,827,779,000 | 265 |
| Average earning assets | $3,750,505,000 | 248 |
| Average equity | $284,725,000 | 342 |
| Average total loans | $2,939,665,000 | 246 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1903% | 5,317 |
| Cost of funding earning assets | 0.3499% | 3,520 |
| Net interest margin | 2.8404% | 5,219 |
| Noninterest income to average assets | 0.3413% | 4,298 |
| Noninterest expense to average assets | 1.7902% | 5,483 |
| Loan and lease loss provision to assets | 0.1434% | 1,747 |
| Net operating income to assets | 0.7081% | 3,747 |
| Return on assets (ROA) | 0.7337% | 3,737 |
| Pretax return on assets | 1.2306% | 2,551 |
| Return on Equity (ROE) | 9.8193% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.8193% | 439 |
| Net charge-offs to loans | -0.0051% | 4,813 |
| Credit loss provision to net charge-offs | -3,933.6134% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0681% | 4,946 |
| Assets per employee ($millions) | 14.3386% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5487% | 5,603 |
| Loan loss allowance to noncurrent loans | 108.6650% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 3,663 |
| Noncurrent loans to loans | 0.5049% | 3,334 |
| Net loans and leases to total assets | 70.2769% | 2,423 |
| Net loans and leases to deposits | 114.5543% | 149 |
| Net loans and leases to core deposits | 145.2738% | 145 |
| Total domestic deposits to total assets | 61.3481% | 5,815 |
| Equity capital to assets | 6.8365% | 5,813 |
| Core capital (leverage) ratio | 8.3565% | 5,396 |
| Tier 1 risk-based capital ratio | 12.2296% | 4,552 |
| Total risk-based capital ratio | 12.9443% | 4,833 |
| Memoranda: | ||
| Average total assets | $3,264,988,000 | 284 |
| Average earning assets | $3,198,715,800 | 269 |
| Average equity | $243,969,600 | 370 |
| Average total loans | $2,321,228,000 | 279 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2312% | 5,317 |
| Cost of funding earning assets | 0.3449% | 3,594 |
| Net interest margin | 2.8863% | 5,212 |
| Noninterest income to average assets | 0.3941% | 3,963 |
| Noninterest expense to average assets | 1.8889% | 5,391 |
| Loan and lease loss provision to assets | 0.1244% | 1,874 |
| Net operating income to assets | 0.7178% | 3,753 |
| Return on assets (ROA) | 0.7539% | 3,717 |
| Pretax return on assets | 1.2660% | 2,550 |
| Return on Equity (ROE) | 9.8204% | 2,132 |
| Retained earnings to average equity (ytd only) | 9.8204% | 608 |
| Net charge-offs to loans | -0.0072% | 4,694 |
| Credit loss provision to net charge-offs | -2,421.0084% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3638% | 4,768 |
| Assets per employee ($millions) | 13.2456% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5421% | 5,681 |
| Loan loss allowance to noncurrent loans | 102.0408% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3865% | 3,875 |
| Noncurrent loans to loans | 0.5312% | 3,401 |
| Net loans and leases to total assets | 69.5139% | 2,566 |
| Net loans and leases to deposits | 105.4447% | 393 |
| Net loans and leases to core deposits | 137.2357% | 215 |
| Total domestic deposits to total assets | 65.9245% | 5,819 |
| Equity capital to assets | 7.2492% | 5,869 |
| Core capital (leverage) ratio | 8.3679% | 5,452 |
| Tier 1 risk-based capital ratio | 12.2020% | 4,675 |
| Total risk-based capital ratio | 12.8914% | 4,920 |
| Memoranda: | ||
| Average total assets | $3,088,287,500 | 289 |
| Average earning assets | $3,026,642,750 | 279 |
| Average equity | $237,078,750 | 377 |
| Average total loans | $2,199,872,250 | 285 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2885% | 5,308 |
| Cost of funding earning assets | 0.3487% | 3,589 |
| Net interest margin | 2.9399% | 5,188 |
| Noninterest income to average assets | 0.0338% | 5,945 |
| Noninterest expense to average assets | 1.8908% | 5,466 |
| Loan and lease loss provision to assets | 0.1130% | 1,989 |
| Net operating income to assets | 0.5265% | 4,576 |
| Return on assets (ROA) | 0.5401% | 4,630 |
| Pretax return on assets | 0.9313% | 3,830 |
| Return on Equity (ROE) | 6.8789% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.8789% | 1,679 |
| Net charge-offs to loans | 0.0048% | 3,533 |
| Credit loss provision to net charge-offs | 3,300.0000% | 130 |
| Earnings coverage of net charge-offs (x) | 298.8200% | 229 |
| Efficiency ratio | 64.5919% | 3,915 |
| Assets per employee ($millions) | 13.2658% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4935% | 5,804 |
| Loan loss allowance to noncurrent loans | 124.3375% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 4,256 |
| Noncurrent loans to loans | 0.3969% | 3,940 |
| Net loans and leases to total assets | 70.5064% | 2,400 |
| Net loans and leases to deposits | 107.4608% | 317 |
| Net loans and leases to core deposits | 143.0926% | 161 |
| Total domestic deposits to total assets | 65.6113% | 5,898 |
| Equity capital to assets | 7.2131% | 5,949 |
| Core capital (leverage) ratio | 8.4644% | 5,394 |
| Tier 1 risk-based capital ratio | 12.8375% | 4,291 |
| Total risk-based capital ratio | 13.5148% | 4,587 |
| Memoranda: | ||
| Average total assets | $2,921,201,670 | 299 |
| Average earning assets | $2,861,697,330 | 284 |
| Average equity | $229,367,330 | 387 |
| Average total loans | $2,096,886,000 | 297 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4275% | 5,058 |
| Cost of funding earning assets | 0.3623% | 3,482 |
| Net interest margin | 3.0653% | 4,960 |
| Noninterest income to average assets | 0.1561% | 5,558 |
| Noninterest expense to average assets | 2.0242% | 5,282 |
| Loan and lease loss provision to assets | 0.0607% | 2,732 |
| Net operating income to assets | 0.6180% | 4,101 |
| Return on assets (ROA) | 0.6482% | 4,104 |
| Pretax return on assets | 1.1176% | 3,026 |
| Return on Equity (ROE) | 7.8342% | 3,012 |
| Retained earnings to average equity (ytd only) | 7.8342% | 1,530 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8387% | 4,151 |
| Assets per employee ($millions) | 11.0989% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5358% | 5,827 |
| Loan loss allowance to noncurrent loans | 97.7343% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 3,857 |
| Noncurrent loans to loans | 0.5482% | 3,534 |
| Net loans and leases to total assets | 76.0283% | 1,390 |
| Net loans and leases to deposits | 112.2298% | 178 |
| Net loans and leases to core deposits | 148.9234% | 112 |
| Total domestic deposits to total assets | 67.7433% | 5,930 |
| Equity capital to assets | 8.4028% | 5,633 |
| Core capital (leverage) ratio | 8.7211% | 5,154 |
| Tier 1 risk-based capital ratio | 12.3829% | 4,665 |
| Total risk-based capital ratio | 13.0406% | 4,960 |
| Memoranda: | ||
| Average total assets | $2,637,353,500 | 322 |
| Average earning assets | $2,580,517,000 | 298 |
| Average equity | $218,223,000 | 404 |
| Average total loans | $1,909,280,000 | 309 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5575% | 4,785 |
| Cost of funding earning assets | 0.3026% | 4,216 |
| Net interest margin | 3.2549% | 4,453 |
| Noninterest income to average assets | 0.3882% | 4,123 |
| Noninterest expense to average assets | 2.1011% | 5,257 |
| Loan and lease loss provision to assets | 0.1405% | 1,689 |
| Net operating income to assets | 0.7637% | 3,507 |
| Return on assets (ROA) | 0.7637% | 3,593 |
| Pretax return on assets | 1.3159% | 2,223 |
| Return on Equity (ROE) | 9.8372% | 2,067 |
| Retained earnings to average equity (ytd only) | 9.8372% | 485 |
| Net charge-offs to loans | 0.1509% | 1,861 |
| Credit loss provision to net charge-offs | 120.2429% | 2,144 |
| Earnings coverage of net charge-offs (x) | 12.4674% | 2,464 |
| Efficiency ratio | 58.7956% | 5,049 |
| Assets per employee ($millions) | 11.4547% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 5,797 |
| Loan loss allowance to noncurrent loans | 83.9205% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 3,122 |
| Noncurrent loans to loans | 0.7154% | 3,038 |
| Net loans and leases to total assets | 67.7885% | 2,729 |
| Net loans and leases to deposits | 111.5973% | 211 |
| Net loans and leases to core deposits | 159.7467% | 80 |
| Total domestic deposits to total assets | 60.7439% | 6,084 |
| Equity capital to assets | 8.1410% | 5,786 |
| Core capital (leverage) ratio | 9.5565% | 4,094 |
| Tier 1 risk-based capital ratio | 14.5623% | 3,409 |
| Total risk-based capital ratio | 15.3383% | 3,587 |
| Memoranda: | ||
| Average total assets | $1,903,038,200 | 393 |
| Average earning assets | $1,852,942,600 | 373 |
| Average equity | $147,745,000 | 513 |
| Average total loans | $1,472,890,200 | 358 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6690% | 4,524 |
| Cost of funding earning assets | 0.3032% | 4,304 |
| Net interest margin | 3.3658% | 4,088 |
| Noninterest income to average assets | 0.2639% | 5,049 |
| Noninterest expense to average assets | 2.1677% | 5,132 |
| Loan and lease loss provision to assets | 0.1134% | 1,992 |
| Net operating income to assets | 0.7225% | 3,805 |
| Return on assets (ROA) | 0.7225% | 3,911 |
| Pretax return on assets | 1.2566% | 2,570 |
| Return on Equity (ROE) | 9.4790% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.4790% | 743 |
| Net charge-offs to loans | 0.0308% | 3,310 |
| Credit loss provision to net charge-offs | 456.0372% | 694 |
| Earnings coverage of net charge-offs (x) | 55.0862% | 977 |
| Efficiency ratio | 61.0260% | 4,728 |
| Assets per employee ($millions) | 10.7425% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6870% | 5,756 |
| Loan loss allowance to noncurrent loans | 135.4591% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 0.5716% | 3,578 |
| Noncurrent loans to loans | 0.5071% | 3,827 |
| Net loans and leases to total assets | 72.7607% | 1,941 |
| Net loans and leases to deposits | 115.9355% | 151 |
| Net loans and leases to core deposits | 151.3654% | 107 |
| Total domestic deposits to total assets | 62.7597% | 6,153 |
| Equity capital to assets | 7.5041% | 6,073 |
| Core capital (leverage) ratio | 8.8334% | 5,198 |
| Tier 1 risk-based capital ratio | 12.9339% | 4,464 |
| Total risk-based capital ratio | 13.8719% | 4,574 |
| Memoranda: | ||
| Average total assets | $1,731,607,250 | 425 |
| Average earning assets | $1,684,257,250 | 399 |
| Average equity | $131,993,500 | 582 |
| Average total loans | $1,399,742,000 | 375 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,129 |
| Cost of funding earning assets | 0.3059% | 4,332 |
| Net interest margin | 3.4749% | 3,604 |
| Noninterest income to average assets | 0.2770% | 4,962 |
| Noninterest expense to average assets | 2.1156% | 5,306 |
| Loan and lease loss provision to assets | 0.1157% | 1,909 |
| Net operating income to assets | 0.8184% | 3,292 |
| Return on assets (ROA) | 0.8184% | 3,397 |
| Pretax return on assets | 1.4233% | 1,891 |
| Return on Equity (ROE) | 10.6567% | 1,792 |
| Retained earnings to average equity (ytd only) | 10.6567% | 553 |
| Net charge-offs to loans | 0.0384% | 2,913 |
| Credit loss provision to net charge-offs | 356.9170% | 819 |
| Earnings coverage of net charge-offs (x) | 47.4625% | 992 |
| Efficiency ratio | 57.7786% | 5,245 |
| Assets per employee ($millions) | 10.7848% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 5,793 |
| Loan loss allowance to noncurrent loans | 288.1537% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.4416% | 4,162 |
| Noncurrent loans to loans | 0.2468% | 4,777 |
| Net loans and leases to total assets | 80.8321% | 693 |
| Net loans and leases to deposits | 117.5174% | 128 |
| Net loans and leases to core deposits | 164.9570% | 69 |
| Total domestic deposits to total assets | 68.7830% | 6,086 |
| Equity capital to assets | 7.1712% | 6,168 |
| Core capital (leverage) ratio | 8.2418% | 5,753 |
| Tier 1 risk-based capital ratio | 11.5779% | 5,413 |
| Total risk-based capital ratio | 12.5835% | 5,486 |
| Memoranda: | ||
| Average total assets | $1,560,417,000 | 461 |
| Average earning assets | $1,516,782,330 | 436 |
| Average equity | $119,831,000 | 648 |
| Average total loans | $1,318,020,000 | 389 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 3,625 |
| Cost of funding earning assets | 0.3056% | 4,379 |
| Net interest margin | 3.5919% | 3,041 |
| Noninterest income to average assets | 0.3103% | 4,707 |
| Noninterest expense to average assets | 2.2524% | 4,994 |
| Loan and lease loss provision to assets | 0.0426% | 3,059 |
| Net operating income to assets | 0.8692% | 2,906 |
| Return on assets (ROA) | 0.8692% | 3,023 |
| Pretax return on assets | 1.5116% | 1,527 |
| Return on Equity (ROE) | 10.8430% | 1,676 |
| Retained earnings to average equity (ytd only) | 10.8430% | 746 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0580% | 5,216 |
| Assets per employee ($millions) | 9.2614% | 330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 5,673 |
| Loan loss allowance to noncurrent loans | 323.4925% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 4,977 |
| Noncurrent loans to loans | 0.2509% | 4,887 |
| Net loans and leases to total assets | 86.0139% | 187 |
| Net loans and leases to deposits | 128.5241% | 38 |
| Net loans and leases to core deposits | 158.4782% | 80 |
| Total domestic deposits to total assets | 66.9243% | 6,227 |
| Equity capital to assets | 7.9627% | 6,048 |
| Core capital (leverage) ratio | 8.1266% | 5,869 |
| Tier 1 risk-based capital ratio | 11.4005% | 5,604 |
| Total risk-based capital ratio | 12.4930% | 5,607 |
| Memoranda: | ||
| Average total assets | $1,407,737,000 | 508 |
| Average earning assets | $1,370,303,000 | 477 |
| Average equity | $112,847,000 | 687 |
| Average total loans | $1,217,557,000 | 410 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2118% | 2,913 |
| Cost of funding earning assets | 0.3347% | 4,438 |
| Net interest margin | 3.8771% | 2,328 |
| Noninterest income to average assets | 0.4173% | 4,056 |
| Noninterest expense to average assets | 2.5829% | 4,283 |
| Loan and lease loss provision to assets | 0.0199% | 4,220 |
| Net operating income to assets | 0.8701% | 3,018 |
| Return on assets (ROA) | 0.8701% | 3,111 |
| Pretax return on assets | 1.5785% | 1,299 |
| Return on Equity (ROE) | 10.2913% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.2913% | 474 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6353% | 4,963 |
| Assets per employee ($millions) | 8.7803% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 5,564 |
| Loan loss allowance to noncurrent loans | 308.8862% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 4,960 |
| Noncurrent loans to loans | 0.2818% | 4,841 |
| Net loans and leases to total assets | 85.4936% | 242 |
| Net loans and leases to deposits | 118.7795% | 104 |
| Net loans and leases to core deposits | 147.4690% | 117 |
| Total domestic deposits to total assets | 71.9768% | 6,087 |
| Equity capital to assets | 8.0740% | 6,031 |
| Core capital (leverage) ratio | 8.0914% | 5,939 |
| Tier 1 risk-based capital ratio | 12.1787% | 5,246 |
| Total risk-based capital ratio | 13.3994% | 5,170 |
| Memoranda: | ||
| Average total assets | $1,183,137,800 | 573 |
| Average earning assets | $1,148,604,200 | 542 |
| Average equity | $100,036,200 | 736 |
| Average total loans | $1,025,403,800 | 447 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 2,996 |
| Cost of funding earning assets | 0.3318% | 4,545 |
| Net interest margin | 3.8667% | 2,366 |
| Noninterest income to average assets | 0.4544% | 3,863 |
| Noninterest expense to average assets | 2.6658% | 3,961 |
| Loan and lease loss provision to assets | 0.0275% | 3,859 |
| Net operating income to assets | 0.8588% | 3,130 |
| Return on assets (ROA) | 0.8588% | 3,224 |
| Pretax return on assets | 1.5103% | 1,615 |
| Return on Equity (ROE) | 10.0238% | 2,211 |
| Retained earnings to average equity (ytd only) | 10.0238% | 704 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2712% | 4,669 |
| Assets per employee ($millions) | 8.3757% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 5,527 |
| Loan loss allowance to noncurrent loans | 119.4118% | 3,235 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 3,756 |
| Noncurrent loans to loans | 0.7717% | 3,655 |
| Net loans and leases to total assets | 85.1643% | 252 |
| Net loans and leases to deposits | 113.4602% | 159 |
| Net loans and leases to core deposits | 143.3172% | 137 |
| Total domestic deposits to total assets | 75.0609% | 5,917 |
| Equity capital to assets | 8.1610% | 6,035 |
| Core capital (leverage) ratio | 8.4165% | 5,740 |
| Tier 1 risk-based capital ratio | 12.3507% | 5,266 |
| Total risk-based capital ratio | 13.6011% | 5,197 |
| Memoranda: | ||
| Average total assets | $1,140,879,250 | 591 |
| Average earning assets | $1,106,197,000 | 552 |
| Average equity | $97,751,500 | 747 |
| Average total loans | $990,212,000 | 455 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1724% | 3,063 |
| Cost of funding earning assets | 0.3284% | 4,660 |
| Net interest margin | 3.8440% | 2,401 |
| Noninterest income to average assets | 0.4501% | 3,873 |
| Noninterest expense to average assets | 2.6656% | 3,997 |
| Loan and lease loss provision to assets | 0.0430% | 3,456 |
| Net operating income to assets | 0.8486% | 3,078 |
| Return on assets (ROA) | 0.8486% | 3,184 |
| Pretax return on assets | 1.4632% | 1,662 |
| Return on Equity (ROE) | 9.7240% | 2,272 |
| Retained earnings to average equity (ytd only) | 9.7240% | 784 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7379% | 4,734 |
| Assets per employee ($millions) | 8.1789% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 5,310 |
| Loan loss allowance to noncurrent loans | 193.3333% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 4,300 |
| Noncurrent loans to loans | 0.5211% | 4,442 |
| Net loans and leases to total assets | 85.8773% | 182 |
| Net loans and leases to deposits | 115.0585% | 132 |
| Net loans and leases to core deposits | 149.3194% | 101 |
| Total domestic deposits to total assets | 74.6379% | 6,053 |
| Equity capital to assets | 8.8054% | 5,515 |
| Core capital (leverage) ratio | 8.8967% | 5,161 |
| Tier 1 risk-based capital ratio | 13.0901% | 4,862 |
| Total risk-based capital ratio | 14.3419% | 4,793 |
| Memoranda: | ||
| Average total assets | $1,094,010,330 | 615 |
| Average earning assets | $1,059,198,330 | 574 |
| Average equity | $95,474,670 | 765 |
| Average total loans | $953,110,000 | 464 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2130% | 2,827 |
| Cost of funding earning assets | 0.3317% | 4,723 |
| Net interest margin | 3.8813% | 2,151 |
| Noninterest income to average assets | 0.3452% | 4,613 |
| Noninterest expense to average assets | 2.6226% | 4,203 |
| Loan and lease loss provision to assets | 0.0887% | 2,435 |
| Net operating income to assets | 0.8063% | 3,121 |
| Return on assets (ROA) | 0.8073% | 3,197 |
| Pretax return on assets | 1.3917% | 1,777 |
| Return on Equity (ROE) | 9.2964% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.2964% | 1,162 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7785% | 4,894 |
| Assets per employee ($millions) | 7.9316% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 5,247 |
| Loan loss allowance to noncurrent loans | 143.4224% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8238% | 3,672 |
| Noncurrent loans to loans | 0.7461% | 3,997 |
| Net loans and leases to total assets | 86.3556% | 127 |
| Net loans and leases to deposits | 108.3356% | 183 |
| Net loans and leases to core deposits | 142.1435% | 122 |
| Total domestic deposits to total assets | 79.7112% | 5,543 |
| Equity capital to assets | 9.0574% | 5,046 |
| Core capital (leverage) ratio | 9.1697% | 4,764 |
| Tier 1 risk-based capital ratio | 13.6591% | 4,570 |
| Total risk-based capital ratio | 14.9121% | 4,521 |
| Memoranda: | ||
| Average total assets | $1,060,312,000 | 634 |
| Average earning assets | $1,026,162,000 | 599 |
| Average equity | $92,078,500 | 793 |
| Average total loans | $925,897,500 | 475 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5370% | 2,070 |
| Cost of funding earning assets | 0.3721% | 4,924 |
| Net interest margin | 4.1648% | 1,458 |
| Noninterest income to average assets | 0.2904% | 5,277 |
| Noninterest expense to average assets | 2.6615% | 4,235 |
| Loan and lease loss provision to assets | 0.2617% | 1,361 |
| Net operating income to assets | 1.1291% | 1,836 |
| Return on assets (ROA) | 1.1295% | 1,901 |
| Pretax return on assets | 1.3890% | 1,823 |
| Return on Equity (ROE) | 13.6421% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.6421% | 214 |
| Net charge-offs to loans | 0.1006% | 3,832 |
| Credit loss provision to net charge-offs | 292.0732% | 779 |
| Earnings coverage of net charge-offs (x) | 18.4159% | 1,653 |
| Efficiency ratio | 61.5197% | 5,288 |
| Assets per employee ($millions) | 7.8931% | 496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 5,165 |
| Loan loss allowance to noncurrent loans | 162.3813% | 2,495 |
| Noncurrent assets plus other real estate owned to assets | 0.6268% | 4,356 |
| Noncurrent loans to loans | 0.6760% | 4,285 |
| Net loans and leases to total assets | 86.3993% | 138 |
| Net loans and leases to deposits | 110.3469% | 171 |
| Net loans and leases to core deposits | 142.7799% | 125 |
| Total domestic deposits to total assets | 78.2979% | 5,779 |
| Equity capital to assets | 8.2918% | 5,781 |
| Core capital (leverage) ratio | 8.6148% | 5,524 |
| Tier 1 risk-based capital ratio | 12.9521% | 5,009 |
| Total risk-based capital ratio | 14.2060% | 4,961 |
| Memoranda: | ||
| Average total assets | $915,015,000 | 720 |
| Average earning assets | $883,517,400 | 678 |
| Average equity | $75,758,000 | 942 |
| Average total loans | $814,997,400 | 512 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 1,782 |
| Cost of funding earning assets | 0.3771% | 5,027 |
| Net interest margin | 4.2595% | 1,187 |
| Noninterest income to average assets | 0.3053% | 5,261 |
| Noninterest expense to average assets | 2.7051% | 4,003 |
| Loan and lease loss provision to assets | 0.2640% | 1,341 |
| Net operating income to assets | 0.8974% | 2,847 |
| Return on assets (ROA) | 0.8978% | 2,963 |
| Pretax return on assets | 1.4481% | 1,772 |
| Return on Equity (ROE) | 10.8483% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.8483% | 609 |
| Net charge-offs to loans | 0.1258% | 3,266 |
| Credit loss provision to net charge-offs | 234.3583% | 1,036 |
| Earnings coverage of net charge-offs (x) | 15.1925% | 1,885 |
| Efficiency ratio | 61.0332% | 5,281 |
| Assets per employee ($millions) | 7.5401% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 5,300 |
| Loan loss allowance to noncurrent loans | 112.7806% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.9045% | 3,869 |
| Noncurrent loans to loans | 0.9804% | 3,851 |
| Net loans and leases to total assets | 87.2806% | 103 |
| Net loans and leases to deposits | 108.8563% | 172 |
| Net loans and leases to core deposits | 141.5884% | 117 |
| Total domestic deposits to total assets | 80.1797% | 5,462 |
| Equity capital to assets | 8.2402% | 5,967 |
| Core capital (leverage) ratio | 8.6325% | 5,620 |
| Tier 1 risk-based capital ratio | 13.0388% | 5,097 |
| Total risk-based capital ratio | 14.2929% | 5,046 |
| Memoranda: | ||
| Average total assets | $885,270,250 | 752 |
| Average earning assets | $854,479,750 | 701 |
| Average equity | $73,263,250 | 982 |
| Average total loans | $792,927,000 | 528 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7837% | 1,366 |
| Cost of funding earning assets | 0.3879% | 5,053 |
| Net interest margin | 4.3958% | 859 |
| Noninterest income to average assets | 0.3237% | 5,118 |
| Noninterest expense to average assets | 2.7632% | 3,807 |
| Loan and lease loss provision to assets | 0.3038% | 1,184 |
| Net operating income to assets | 0.9265% | 2,675 |
| Return on assets (ROA) | 0.9271% | 2,812 |
| Pretax return on assets | 1.4952% | 1,627 |
| Return on Equity (ROE) | 11.1849% | 1,755 |
| Retained earnings to average equity (ytd only) | 11.1849% | 611 |
| Net charge-offs to loans | 0.1929% | 2,600 |
| Credit loss provision to net charge-offs | 174.8663% | 1,355 |
| Earnings coverage of net charge-offs (x) | 10.3503% | 2,161 |
| Efficiency ratio | 60.3615% | 5,427 |
| Assets per employee ($millions) | 7.3020% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 5,379 |
| Loan loss allowance to noncurrent loans | 106.9454% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.9763% | 3,818 |
| Noncurrent loans to loans | 1.0426% | 3,852 |
| Net loans and leases to total assets | 88.5977% | 73 |
| Net loans and leases to deposits | 108.5236% | 171 |
| Net loans and leases to core deposits | 142.8614% | 118 |
| Total domestic deposits to total assets | 81.6391% | 5,162 |
| Equity capital to assets | 8.4587% | 5,811 |
| Core capital (leverage) ratio | 8.6191% | 5,531 |
| Tier 1 risk-based capital ratio | 12.7303% | 5,338 |
| Total risk-based capital ratio | 13.9840% | 5,269 |
| Memoranda: | ||
| Average total assets | $861,164,330 | 768 |
| Average earning assets | $830,160,330 | 721 |
| Average equity | $71,382,000 | 1,012 |
| Average total loans | $775,524,670 | 535 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4595% | 2,319 |
| Cost of funding earning assets | 0.3992% | 5,108 |
| Net interest margin | 4.0603% | 1,588 |
| Noninterest income to average assets | 0.3592% | 4,795 |
| Noninterest expense to average assets | 2.6581% | 4,219 |
| Loan and lease loss provision to assets | 0.2940% | 1,192 |
| Net operating income to assets | 0.8127% | 3,087 |
| Return on assets (ROA) | 0.8139% | 3,222 |
| Pretax return on assets | 1.3125% | 2,186 |
| Return on Equity (ROE) | 9.9256% | 2,096 |
| Retained earnings to average equity (ytd only) | 9.9256% | 1,129 |
| Net charge-offs to loans | 0.3936% | 1,472 |
| Credit loss provision to net charge-offs | 82.7128% | 2,125 |
| Earnings coverage of net charge-offs (x) | 4.5146% | 2,536 |
| Efficiency ratio | 62.1133% | 5,287 |
| Assets per employee ($millions) | 7.6629% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,809 |
| Loan loss allowance to noncurrent loans | 110.7813% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 4,072 |
| Noncurrent loans to loans | 0.9437% | 4,256 |
| Net loans and leases to total assets | 89.7411% | 43 |
| Net loans and leases to deposits | 109.7880% | 131 |
| Net loans and leases to core deposits | 147.2161% | 105 |
| Total domestic deposits to total assets | 81.7404% | 5,284 |
| Equity capital to assets | 8.1540% | 6,295 |
| Core capital (leverage) ratio | 8.6332% | 5,414 |
| Tier 1 risk-based capital ratio | 12.3399% | 5,686 |
| Total risk-based capital ratio | 13.5929% | 5,639 |
| Memoranda: | ||
| Average total assets | $846,323,500 | 791 |
| Average earning assets | $813,639,000 | 745 |
| Average equity | $69,396,000 | 1,047 |
| Average total loans | $764,202,500 | 544 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5686% | 3,130 |
| Cost of funding earning assets | 0.4536% | 5,559 |
| Net interest margin | 4.1150% | 1,943 |
| Noninterest income to average assets | 0.2488% | 5,679 |
| Noninterest expense to average assets | 2.5336% | 4,982 |
| Loan and lease loss provision to assets | 0.2861% | 2,375 |
| Net operating income to assets | 0.8439% | 3,075 |
| Return on assets (ROA) | 0.8435% | 3,333 |
| Pretax return on assets | 1.3832% | 2,100 |
| Return on Equity (ROE) | 11.2583% | 1,726 |
| Retained earnings to average equity (ytd only) | 11.2583% | 410 |
| Net charge-offs to loans | 0.0438% | 5,302 |
| Credit loss provision to net charge-offs | 750.9091% | 326 |
| Earnings coverage of net charge-offs (x) | 43.8255% | 739 |
| Efficiency ratio | 60.1556% | 5,515 |
| Assets per employee ($millions) | 7.5847% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 5,464 |
| Loan loss allowance to noncurrent loans | 211.2997% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 5,089 |
| Noncurrent loans to loans | 0.5311% | 5,201 |
| Net loans and leases to total assets | 88.8769% | 71 |
| Net loans and leases to deposits | 112.3796% | 129 |
| Net loans and leases to core deposits | 159.1893% | 83 |
| Total domestic deposits to total assets | 79.0863% | 5,867 |
| Equity capital to assets | 8.2476% | 6,243 |
| Core capital (leverage) ratio | 8.5562% | 5,529 |
| Tier 1 risk-based capital ratio | 12.6834% | 5,334 |
| Total risk-based capital ratio | 13.9381% | 5,275 |
| Memoranda: | ||
| Average total assets | $721,727,400 | 917 |
| Average earning assets | $693,609,000 | 874 |
| Average equity | $54,075,600 | 1,317 |
| Average total loans | $627,692,600 | 659 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3986% | 4,054 |
| Cost of funding earning assets | 0.4576% | 5,738 |
| Net interest margin | 3.9410% | 2,747 |
| Noninterest income to average assets | 0.2230% | 5,958 |
| Noninterest expense to average assets | 2.4424% | 5,263 |
| Loan and lease loss provision to assets | 0.3389% | 1,932 |
| Net operating income to assets | 0.7568% | 3,663 |
| Return on assets (ROA) | 0.7571% | 3,915 |
| Pretax return on assets | 1.2409% | 2,818 |
| Return on Equity (ROE) | 10.4162% | 2,168 |
| Retained earnings to average equity (ytd only) | 10.4162% | 808 |
| Net charge-offs to loans | 0.0612% | 4,809 |
| Credit loss provision to net charge-offs | 642.9091% | 417 |
| Earnings coverage of net charge-offs (x) | 29.9598% | 1,099 |
| Efficiency ratio | 60.7274% | 5,369 |
| Assets per employee ($millions) | 8.7008% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 5,704 |
| Loan loss allowance to noncurrent loans | 154.4355% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.6834% | 4,983 |
| Noncurrent loans to loans | 0.7153% | 5,005 |
| Net loans and leases to total assets | 86.2086% | 140 |
| Net loans and leases to deposits | 111.5730% | 139 |
| Net loans and leases to core deposits | 153.5666% | 101 |
| Total domestic deposits to total assets | 77.2666% | 6,197 |
| Equity capital to assets | 7.8670% | 6,655 |
| Core capital (leverage) ratio | 9.2480% | 4,680 |
| Tier 1 risk-based capital ratio | 12.4956% | 5,649 |
| Total risk-based capital ratio | 13.7506% | 5,603 |
| Memoranda: | ||
| Average total assets | $695,475,000 | 954 |
| Average earning assets | $670,410,000 | 906 |
| Average equity | $50,548,000 | 1,411 |
| Average total loans | $598,836,250 | 686 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4813% | 3,848 |
| Cost of funding earning assets | 0.4671% | 5,849 |
| Net interest margin | 4.0142% | 2,441 |
| Noninterest income to average assets | 0.2232% | 5,970 |
| Noninterest expense to average assets | 2.3786% | 5,530 |
| Loan and lease loss provision to assets | 0.3313% | 1,982 |
| Net operating income to assets | 0.8362% | 3,211 |
| Return on assets (ROA) | 0.8362% | 3,478 |
| Pretax return on assets | 1.3938% | 2,217 |
| Return on Equity (ROE) | 11.9269% | 1,687 |
| Retained earnings to average equity (ytd only) | 11.9269% | 593 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9615% | 5,880 |
| Assets per employee ($millions) | 8.9995% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 4,955 |
| Loan loss allowance to noncurrent loans | 323.7792% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 5,943 |
| Noncurrent loans to loans | 0.3967% | 5,742 |
| Net loans and leases to total assets | 81.3872% | 379 |
| Net loans and leases to deposits | 123.8286% | 59 |
| Net loans and leases to core deposits | 206.9309% | 52 |
| Total domestic deposits to total assets | 65.7257% | 7,051 |
| Equity capital to assets | 6.5160% | 6,976 |
| Core capital (leverage) ratio | 7.5538% | 6,602 |
| Tier 1 risk-based capital ratio | 10.1053% | 6,798 |
| Total risk-based capital ratio | 11.3611% | 6,780 |
| Memoranda: | ||
| Average total assets | $648,874,670 | 1,020 |
| Average earning assets | $627,273,670 | 964 |
| Average equity | $45,493,670 | 1,533 |
| Average total loans | $555,740,670 | 754 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 3,645 |
| Cost of funding earning assets | 0.4886% | 5,878 |
| Net interest margin | 4.0793% | 2,175 |
| Noninterest income to average assets | 0.2589% | 5,793 |
| Noninterest expense to average assets | 2.3896% | 5,507 |
| Loan and lease loss provision to assets | 0.2152% | 2,793 |
| Net operating income to assets | 0.9613% | 2,632 |
| Return on assets (ROA) | 0.9613% | 2,834 |
| Pretax return on assets | 1.6017% | 1,569 |
| Return on Equity (ROE) | 13.1654% | 1,366 |
| Retained earnings to average equity (ytd only) | 13.1654% | 662 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8062% | 6,046 |
| Assets per employee ($millions) | 9.5505% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 5,240 |
| Loan loss allowance to noncurrent loans | 292.1444% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3473% | 6,016 |
| Noncurrent loans to loans | 0.4280% | 5,812 |
| Net loans and leases to total assets | 80.1295% | 392 |
| Net loans and leases to deposits | 124.0314% | 57 |
| Net loans and leases to core deposits | 217.3392% | 48 |
| Total domestic deposits to total assets | 64.6042% | 7,133 |
| Equity capital to assets | 6.7167% | 6,976 |
| Core capital (leverage) ratio | 6.7233% | 6,925 |
| Tier 1 risk-based capital ratio | 11.7726% | 6,107 |
| Total risk-based capital ratio | 13.0304% | 6,083 |
| Memoranda: | ||
| Average total assets | $613,330,500 | 1,084 |
| Average earning assets | $593,539,500 | 1,014 |
| Average equity | $44,784,000 | 1,546 |
| Average total loans | $536,819,500 | 775 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9396% | 3,158 |
| Cost of funding earning assets | 0.6124% | 6,032 |
| Net interest margin | 4.3272% | 1,616 |
| Noninterest income to average assets | 1.0046% | 1,357 |
| Noninterest expense to average assets | 2.5027% | 5,456 |
| Loan and lease loss provision to assets | 0.4736% | 2,236 |
| Net operating income to assets | 1.9039% | 375 |
| Return on assets (ROA) | 1.9039% | 403 |
| Pretax return on assets | 2.2272% | 345 |
| Return on Equity (ROE) | 23.6808% | 144 |
| Retained earnings to average equity (ytd only) | 23.6808% | 28 |
| Net charge-offs to loans | -0.0098% | 6,886 |
| Credit loss provision to net charge-offs | -5,341.8605% | 6,943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0959% | 6,944 |
| Assets per employee ($millions) | 8.0673% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 94.2190% | 8 |
| Net loans and leases to deposits | 126.0800% | 62 |
| Net loans and leases to core deposits | 240.4765% | 50 |
| Total domestic deposits to total assets | 74.7296% | 6,643 |
| Equity capital to assets | 8.0250% | 6,561 |
| Core capital (leverage) ratio | 8.0273% | 6,233 |
| Tier 1 risk-based capital ratio | 12.2035% | 5,685 |
| Total risk-based capital ratio | 13.4605% | 5,653 |
| Memoranda: | ||
| Average total assets | $484,962,800 | 1,376 |
| Average earning assets | $470,580,400 | 1,301 |
| Average equity | $38,989,400 | 1,729 |
| Average total loans | $437,077,600 | 954 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 3,772 |
| Cost of funding earning assets | 0.6294% | 6,135 |
| Net interest margin | 4.2226% | 2,012 |
| Noninterest income to average assets | 1.3007% | 773 |
| Noninterest expense to average assets | 2.4892% | 5,502 |
| Loan and lease loss provision to assets | 0.5463% | 1,798 |
| Net operating income to assets | 2.1299% | 281 |
| Return on assets (ROA) | 2.1299% | 301 |
| Pretax return on assets | 2.3652% | 320 |
| Return on Equity (ROE) | 26.4780% | 105 |
| Retained earnings to average equity (ytd only) | 26.4780% | 33 |
| Net charge-offs to loans | -0.0138% | 6,833 |
| Credit loss provision to net charge-offs | -4,469.7674% | 6,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0895% | 7,056 |
| Assets per employee ($millions) | 8.6225% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 5,245 |
| Loan loss allowance to noncurrent loans | 329.5091% | 963 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 6,174 |
| Noncurrent loans to loans | 0.3795% | 6,093 |
| Net loans and leases to total assets | 94.2457% | 7 |
| Net loans and leases to deposits | 117.2247% | 101 |
| Net loans and leases to core deposits | 233.4387% | 54 |
| Total domestic deposits to total assets | 80.3974% | 5,621 |
| Equity capital to assets | 8.1571% | 6,592 |
| Core capital (leverage) ratio | 8.1571% | 6,188 |
| Tier 1 risk-based capital ratio | 11.7510% | 6,068 |
| Total risk-based capital ratio | 13.0068% | 6,064 |
| Memoranda: | ||
| Average total assets | $469,060,000 | 1,421 |
| Average earning assets | $455,447,750 | 1,346 |
| Average equity | $37,731,000 | 1,789 |
| Average total loans | $415,494,250 | 1,014 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 4,470 |
| Cost of funding earning assets | 0.6298% | 6,316 |
| Net interest margin | 4.0850% | 2,469 |
| Noninterest income to average assets | 1.7904% | 426 |
| Noninterest expense to average assets | 2.4545% | 5,686 |
| Loan and lease loss provision to assets | 0.5440% | 1,785 |
| Net operating income to assets | 2.7614% | 125 |
| Return on assets (ROA) | 2.7614% | 128 |
| Pretax return on assets | 2.7614% | 174 |
| Return on Equity (ROE) | 34.5134% | 46 |
| Retained earnings to average equity (ytd only) | 34.5134% | 29 |
| Net charge-offs to loans | -0.0221% | 6,844 |
| Credit loss provision to net charge-offs | -2,865.1163% | 6,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6140% | 7,286 |
| Assets per employee ($millions) | 8.9034% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,308 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 86.8920% | 113 |
| Net loans and leases to deposits | 126.8980% | 67 |
| Net loans and leases to core deposits | 319.6834% | 46 |
| Total domestic deposits to total assets | 68.4739% | 7,168 |
| Equity capital to assets | 8.2059% | 6,505 |
| Core capital (leverage) ratio | 8.2059% | 6,022 |
| Tier 1 risk-based capital ratio | 12.4265% | 5,418 |
| Total risk-based capital ratio | 13.6817% | 5,395 |
| Memoranda: | ||
| Average total assets | $452,963,000 | 1,469 |
| Average earning assets | $440,149,670 | 1,395 |
| Average equity | $36,241,000 | 1,846 |
| Average total loans | $389,407,000 | 1,118 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 4,668 |
| Cost of funding earning assets | 0.6432% | 6,410 |
| Net interest margin | 4.0223% | 2,597 |
| Noninterest income to average assets | 0.1748% | 6,480 |
| Noninterest expense to average assets | 2.7032% | 4,823 |
| Loan and lease loss provision to assets | 0.6621% | 1,291 |
| Net operating income to assets | 0.7346% | 3,350 |
| Return on assets (ROA) | 0.7346% | 3,416 |
| Pretax return on assets | 0.7346% | 4,166 |
| Return on Equity (ROE) | 9.3203% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.3203% | 1,288 |
| Net charge-offs to loans | 0.2544% | 3,058 |
| Credit loss provision to net charge-offs | 306.8966% | 1,046 |
| Earnings coverage of net charge-offs (x) | 6.4741% | 2,097 |
| Efficiency ratio | 65.9333% | 5,044 |
| Assets per employee ($millions) | 9.1245% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 5,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 85.1110% | 175 |
| Net loans and leases to deposits | 122.2809% | 81 |
| Net loans and leases to core deposits | 296.6205% | 48 |
| Total domestic deposits to total assets | 69.6029% | 7,200 |
| Equity capital to assets | 7.7512% | 6,709 |
| Core capital (leverage) ratio | 7.7587% | 6,501 |
| Tier 1 risk-based capital ratio | 12.7603% | 5,003 |
| Total risk-based capital ratio | 14.0158% | 4,976 |
| Memoranda: | ||
| Average total assets | $430,149,500 | 1,544 |
| Average earning assets | $419,756,000 | 1,463 |
| Average equity | $33,904,500 | 1,949 |
| Average total loans | $364,750,500 | 1,204 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 5,279 |
| Cost of funding earning assets | 0.8785% | 6,250 |
| Net interest margin | 3.9606% | 3,212 |
| Noninterest income to average assets | 0.2319% | 6,142 |
| Noninterest expense to average assets | 3.3109% | 2,707 |
| Loan and lease loss provision to assets | 0.5452% | 2,960 |
| Net operating income to assets | 0.2364% | 5,153 |
| Return on assets (ROA) | 0.2364% | 5,308 |
| Pretax return on assets | 0.2364% | 5,391 |
| Return on Equity (ROE) | 2.5563% | 5,153 |
| Retained earnings to average equity (ytd only) | 2.5563% | 4,081 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9028% | 2,293 |
| Assets per employee ($millions) | 9.8555% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 82.2382% | 433 |
| Net loans and leases to deposits | 114.7102% | 163 |
| Net loans and leases to core deposits | 263.6873% | 56 |
| Total domestic deposits to total assets | 71.6921% | 7,107 |
| Equity capital to assets | 8.0297% | 6,468 |
| Core capital (leverage) ratio | 8.0429% | 6,129 |
| Tier 1 risk-based capital ratio | 12.1753% | 5,309 |
| Total risk-based capital ratio | 13.4294% | 5,284 |
| Memoranda: | ||
| Average total assets | $311,816,400 | 2,082 |
| Average earning assets | $303,944,000 | 1,956 |
| Average equity | $28,830,800 | 2,254 |
| Average total loans | $258,235,400 | 1,715 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0018% | 4,806 |
| Cost of funding earning assets | 0.9532% | 6,157 |
| Net interest margin | 4.0486% | 2,865 |
| Noninterest income to average assets | 0.2096% | 6,410 |
| Noninterest expense to average assets | 2.7949% | 4,510 |
| Loan and lease loss provision to assets | 0.4340% | 3,307 |
| Net operating income to assets | 0.9226% | 2,527 |
| Return on assets (ROA) | 0.9226% | 2,665 |
| Pretax return on assets | 0.9226% | 3,479 |
| Return on Equity (ROE) | 9.5389% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.5389% | 902 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3229% | 4,603 |
| Assets per employee ($millions) | 8.8896% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2510% | 5,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 6,037 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 78.5507% | 948 |
| Net loans and leases to deposits | 100.6564% | 612 |
| Net loans and leases to core deposits | 255.6100% | 60 |
| Total domestic deposits to total assets | 78.0384% | 6,249 |
| Equity capital to assets | 8.8637% | 5,753 |
| Core capital (leverage) ratio | 8.8637% | 4,901 |
| Tier 1 risk-based capital ratio | 15.2050% | 3,154 |
| Total risk-based capital ratio | 16.4608% | 3,118 |
| Memoranda: | ||
| Average total assets | $288,751,750 | 2,254 |
| Average earning assets | $281,142,750 | 2,136 |
| Average equity | $27,927,000 | 2,343 |
| Average total loans | $238,665,750 | 1,856 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 4,483 |
| Cost of funding earning assets | 0.9968% | 6,159 |
| Net interest margin | 4.0986% | 2,566 |
| Noninterest income to average assets | 0.2064% | 6,435 |
| Noninterest expense to average assets | 2.8912% | 4,114 |
| Loan and lease loss provision to assets | 0.4751% | 2,938 |
| Net operating income to assets | 0.8321% | 2,814 |
| Return on assets (ROA) | 0.8321% | 2,967 |
| Pretax return on assets | 0.8321% | 3,770 |
| Return on Equity (ROE) | 8.3060% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.3060% | 1,329 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8649% | 4,412 |
| Assets per employee ($millions) | 8.7193% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 5,866 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 83.9200% | 363 |
| Net loans and leases to deposits | 93.7135% | 1,316 |
| Net loans and leases to core deposits | 224.8852% | 74 |
| Total domestic deposits to total assets | 89.5495% | 1,149 |
| Equity capital to assets | 10.0339% | 3,980 |
| Core capital (leverage) ratio | 10.0339% | 3,129 |
| Tier 1 risk-based capital ratio | 15.5768% | 2,853 |
| Total risk-based capital ratio | 16.8314% | 2,822 |
| Memoranda: | ||
| Average total assets | $269,437,000 | 2,428 |
| Average earning assets | $262,432,670 | 2,282 |
| Average equity | $26,992,670 | 2,413 |
| Average total loans | $226,293,670 | 1,974 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 5,057 |
| Cost of funding earning assets | 1.0027% | 6,364 |
| Net interest margin | 3.9882% | 2,924 |
| Noninterest income to average assets | 0.2063% | 6,484 |
| Noninterest expense to average assets | 2.8743% | 4,169 |
| Loan and lease loss provision to assets | 0.5080% | 2,461 |
| Net operating income to assets | 0.7096% | 3,394 |
| Return on assets (ROA) | 0.7096% | 3,503 |
| Pretax return on assets | 0.7096% | 4,198 |
| Return on Equity (ROE) | 7.0893% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.0893% | 2,100 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2445% | 4,254 |
| Assets per employee ($millions) | 9.1707% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 5,201 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7004% | 5,774 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 81.2911% | 675 |
| Net loans and leases to deposits | 102.0501% | 641 |
| Net loans and leases to core deposits | 271.1094% | 62 |
| Total domestic deposits to total assets | 79.6580% | 5,899 |
| Equity capital to assets | 9.4224% | 4,653 |
| Core capital (leverage) ratio | 9.4221% | 3,888 |
| Tier 1 risk-based capital ratio | 15.0736% | 3,080 |
| Total risk-based capital ratio | 16.3285% | 3,034 |
| Memoranda: | ||
| Average total assets | $255,927,500 | 2,596 |
| Average earning assets | $249,338,500 | 2,457 |
| Average equity | $25,616,000 | 2,555 |
| Average total loans | $213,472,500 | 2,144 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9426% | 6,609 |
| Cost of funding earning assets | 1.4182% | 5,850 |
| Net interest margin | 3.5244% | 4,843 |
| Noninterest income to average assets | 0.2853% | 6,062 |
| Noninterest expense to average assets | 4.4246% | 856 |
| Loan and lease loss provision to assets | 0.9205% | 2,437 |
| Net operating income to assets | -1.6291% | 6,923 |
| Return on assets (ROA) | -1.6291% | 6,928 |
| Pretax return on assets | -1.6291% | 6,775 |
| Return on Equity (ROE) | -11.2345% | 6,712 |
| Retained earnings to average equity (ytd only) | -11.2345% | 6,616 |
| Net charge-offs to loans | 0.1893% | 5,467 |
| Credit loss provision to net charge-offs | 601.8182% | 491 |
| Earnings coverage of net charge-offs (x) | -4.6327% | 7,099 |
| Efficiency ratio | 119.0690% | 623 |
| Assets per employee ($millions) | 7.8911% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2521% | 5,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8140% | 5,478 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 83.6175% | 479 |
| Net loans and leases to deposits | 106.7697% | 513 |
| Net loans and leases to core deposits | 264.2341% | 43 |
| Total domestic deposits to total assets | 78.3157% | 6,164 |
| Equity capital to assets | 10.6909% | 2,974 |
| Core capital (leverage) ratio | 10.6905% | 2,440 |
| Tier 1 risk-based capital ratio | 16.6829% | 2,242 |
| Total risk-based capital ratio | 17.9262% | 2,207 |
| Memoranda: | ||
| Average total assets | $179,789,600 | 3,442 |
| Average earning assets | $175,007,400 | 3,280 |
| Average equity | $26,071,400 | 2,523 |
| Average total loans | $145,234,200 | 2,999 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 7,163 |
| Cost of funding earning assets | 1.4487% | 6,040 |
| Net interest margin | 3.3249% | 5,543 |
| Noninterest income to average assets | 0.3213% | 5,906 |
| Noninterest expense to average assets | 3.9028% | 1,422 |
| Loan and lease loss provision to assets | 1.1396% | 1,709 |
| Net operating income to assets | -1.4827% | 7,102 |
| Return on assets (ROA) | -1.4827% | 7,099 |
| Pretax return on assets | -1.4827% | 6,953 |
| Return on Equity (ROE) | -9.3466% | 6,847 |
| Retained earnings to average equity (ytd only) | -9.3466% | 6,749 |
| Net charge-offs to loans | 0.2790% | 4,288 |
| Credit loss provision to net charge-offs | 514.5455% | 763 |
| Earnings coverage of net charge-offs (x) | -1.5491% | 6,703 |
| Efficiency ratio | 109.6380% | 771 |
| Assets per employee ($millions) | 7.4503% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 4,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5436% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 82.9028% | 681 |
| Net loans and leases to deposits | 109.4204% | 482 |
| Net loans and leases to core deposits | 129.7371% | 1,451 |
| Total domestic deposits to total assets | 75.7654% | 6,626 |
| Equity capital to assets | 12.1439% | 2,159 |
| Core capital (leverage) ratio | 12.1431% | 1,736 |
| Tier 1 risk-based capital ratio | 19.4902% | 1,648 |
| Total risk-based capital ratio | 20.7457% | 1,607 |
| Memoranda: | ||
| Average total assets | $165,553,500 | 3,699 |
| Average earning assets | $161,244,750 | 3,526 |
| Average equity | $26,262,000 | 2,533 |
| Average total loans | $131,427,500 | 3,268 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6146% | 7,511 |
| Cost of funding earning assets | 1.5382% | 5,984 |
| Net interest margin | 3.0764% | 6,311 |
| Noninterest income to average assets | 0.3443% | 5,752 |
| Noninterest expense to average assets | 4.2698% | 990 |
| Loan and lease loss provision to assets | 1.2843% | 1,333 |
| Net operating income to assets | -2.2055% | 7,482 |
| Return on assets (ROA) | -2.2055% | 7,480 |
| Pretax return on assets | -2.2055% | 7,346 |
| Return on Equity (ROE) | -12.4857% | 7,201 |
| Retained earnings to average equity (ytd only) | -12.4857% | 7,086 |
| Net charge-offs to loans | 0.4792% | 2,917 |
| Credit loss provision to net charge-offs | 347.2727% | 1,336 |
| Earnings coverage of net charge-offs (x) | -2.4909% | 6,382 |
| Efficiency ratio | 127.5100% | 545 |
| Assets per employee ($millions) | 6.0409% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 4,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9717% | 3,233 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 84.4576% | 570 |
| Net loans and leases to deposits | 101.4797% | 1,119 |
| Net loans and leases to core deposits | 209.0877% | 95 |
| Total domestic deposits to total assets | 83.2261% | 4,136 |
| Equity capital to assets | 15.5353% | 924 |
| Core capital (leverage) ratio | 15.5348% | 821 |
| Tier 1 risk-based capital ratio | 24.6062% | 973 |
| Total risk-based capital ratio | 25.8620% | 959 |
| Memoranda: | ||
| Average total assets | $148,718,330 | 4,015 |
| Average earning assets | $145,234,330 | 3,837 |
| Average equity | $26,270,000 | 2,535 |
| Average total loans | $114,773,670 | 3,652 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 7,826 |
| Cost of funding earning assets | 1.4771% | 6,474 |
| Net interest margin | 2.8691% | 6,834 |
| Noninterest income to average assets | 0.2888% | 6,128 |
| Noninterest expense to average assets | 4.4619% | 740 |
| Loan and lease loss provision to assets | 0.9964% | 1,307 |
| Net operating income to assets | -2.3479% | 7,732 |
| Return on assets (ROA) | -2.3479% | 7,735 |
| Pretax return on assets | -2.3479% | 7,628 |
| Return on Equity (ROE) | -12.3808% | 7,492 |
| Retained earnings to average equity (ytd only) | -12.3808% | 7,286 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.4540% | 389 |
| Assets per employee ($millions) | 5.0405% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3497% | 3,804 |
| Loan loss allowance to noncurrent loans | 40.8587% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 2.4696% | 2,324 |
| Noncurrent loans to loans | 3.3034% | 1,937 |
| Net loans and leases to total assets | 73.7520% | 2,820 |
| Net loans and leases to deposits | 90.2279% | 2,893 |
| Net loans and leases to core deposits | 146.0226% | 859 |
| Total domestic deposits to total assets | 81.7397% | 4,662 |
| Equity capital to assets | 17.7459% | 639 |
| Core capital (leverage) ratio | 17.7453% | 585 |
| Tier 1 risk-based capital ratio | 31.5329% | 559 |
| Total risk-based capital ratio | 32.7899% | 544 |
| Memoranda: | ||
| Average total assets | $138,505,500 | 4,221 |
| Average earning assets | $136,208,500 | 4,035 |
| Average equity | $26,266,500 | 2,547 |
| Average total loans | $99,828,000 | 4,034 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 7,906 |
| Cost of funding earning assets | 1.0152% | 8,048 |
| Net interest margin | 3.8718% | 3,700 |
| Noninterest income to average assets | 0.2276% | 6,806 |
| Noninterest expense to average assets | 7.2225% | 272 |
| Loan and lease loss provision to assets | 1.0685% | 1,360 |
| Net operating income to assets | -4.2586% | 8,022 |
| Return on assets (ROA) | -4.2586% | 8,006 |
| Pretax return on assets | -4.2586% | 7,938 |
| Return on Equity (ROE) | -12.3035% | 7,444 |
| Retained earnings to average equity (ytd only) | -12.3035% | 7,268 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.1122% | 249 |
| Assets per employee ($millions) | 4.3612% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 68.2106% | 4,422 |
| Net loans and leases to deposits | 98.4816% | 2,055 |
| Net loans and leases to core deposits | 120.2393% | 2,659 |
| Total domestic deposits to total assets | 69.2623% | 7,354 |
| Equity capital to assets | 20.3254% | 444 |
| Core capital (leverage) ratio | 20.3261% | 419 |
| Tier 1 risk-based capital ratio | 41.5440% | 303 |
| Total risk-based capital ratio | 42.8000% | 299 |
| Memoranda: | ||
| Average total assets | $72,066,200 | 5,965 |
| Average earning assets | $70,820,000 | 5,786 |
| Average equity | $24,944,200 | 2,639 |
| Average total loans | $52,960,000 | 5,582 |