Home > HarborOne Bank > Performance and Condition Ratios
HarborOne 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 | 4.7737% | 2,527 |
| Cost of funding earning assets | 2.2302% | 606 |
| Net interest margin | 2.5434% | 4,048 |
| Noninterest income to average assets | 0.7700% | 1,018 |
| Noninterest expense to average assets | 2.5070% | 2,280 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.3265% | 3,990 |
| Return on assets (ROA) | 0.3265% | 3,992 |
| Pretax return on assets | 0.4986% | 3,814 |
| Return on Equity (ROE) | 3.3100% | 3,974 |
| Retained earnings to average equity (ytd only) | -5.6740% | 4,406 |
| Net charge-offs to loans | 0.0843% | 1,019 |
| Credit loss provision to net charge-offs | 169.2133% | 1,354 |
| Earnings coverage of net charge-offs (x) | 8.4839% | 2,340 |
| Efficiency ratio | 74.0475% | 1,456 |
| Assets per employee ($millions) | 10.7205% | 579 |
| Cash dividends to net income (ytd only)* | 271.3667% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0057% | 3,275 |
| Loan loss allowance to noncurrent loans | 273.9222% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3088% | 1,717 |
| Noncurrent loans to loans | 0.3671% | 1,884 |
| Net loans and leases to total assets | 83.2600% | 324 |
| Net loans and leases to deposits | 106.5766% | 271 |
| Net loans and leases to core deposits | 122.2278% | 561 |
| Total domestic deposits to total assets | 78.1300% | 3,710 |
| Equity capital to assets | 9.2804% | 2,494 |
| Core capital (leverage) ratio | 8.9963% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8819% | 2,614 |
| Memoranda: | ||
| Average total assets | $5,586,978,000 | 256 |
| Average earning assets | $5,126,137,200 | 251 |
| Average equity | $550,912,600 | 249 |
| Average total loans | $4,686,920,400 | 212 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 2,450 |
| Cost of funding earning assets | 2.1097% | 582 |
| Net interest margin | 2.5995% | 4,032 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.3093% | 2,763 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 0.5855% | 3,579 |
| Return on assets (ROA) | 0.5855% | 3,566 |
| Pretax return on assets | 0.7694% | 3,401 |
| Return on Equity (ROE) | 5.8500% | 3,669 |
| Retained earnings to average equity (ytd only) | 3.3374% | 3,435 |
| Net charge-offs to loans | 0.0755% | 952 |
| Credit loss provision to net charge-offs | 216.4269% | 1,068 |
| Earnings coverage of net charge-offs (x) | 14.0632% | 2,012 |
| Efficiency ratio | 71.7558% | 1,599 |
| Assets per employee ($millions) | 10.7121% | 544 |
| Cash dividends to net income (ytd only)* | 42.9553% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0191% | 3,262 |
| Loan loss allowance to noncurrent loans | 257.2113% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 1,701 |
| Noncurrent loans to loans | 0.3962% | 1,838 |
| Net loans and leases to total assets | 82.8100% | 374 |
| Net loans and leases to deposits | 105.3123% | 312 |
| Net loans and leases to core deposits | 119.3989% | 565 |
| Total domestic deposits to total assets | 78.6300% | 3,748 |
| Equity capital to assets | 9.8307% | 1,920 |
| Core capital (leverage) ratio | 9.6603% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5585% | 2,429 |
| Memoranda: | ||
| Average total assets | $5,565,940,750 | 258 |
| Average earning assets | $5,102,468,000 | 255 |
| Average equity | $557,065,250 | 247 |
| Average total loans | $4,666,151,250 | 216 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6088% | 2,399 |
| Cost of funding earning assets | 1.9413% | 564 |
| Net interest margin | 2.6676% | 4,014 |
| Noninterest income to average assets | 0.8000% | 859 |
| Noninterest expense to average assets | 2.3182% | 2,748 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.5614% | 3,674 |
| Return on assets (ROA) | 0.5614% | 3,683 |
| Pretax return on assets | 0.7412% | 3,519 |
| Return on Equity (ROE) | 5.5700% | 3,783 |
| Retained earnings to average equity (ytd only) | 3.0618% | 3,462 |
| Net charge-offs to loans | 0.1146% | 623 |
| Credit loss provision to net charge-offs | 197.1805% | 1,057 |
| Earnings coverage of net charge-offs (x) | 9.6440% | 2,018 |
| Efficiency ratio | 71.0055% | 1,669 |
| Assets per employee ($millions) | 10.3131% | 610 |
| Cash dividends to net income (ytd only)* | 45.0799% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 3,372 |
| Loan loss allowance to noncurrent loans | 236.6322% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 1,491 |
| Noncurrent loans to loans | 0.4282% | 1,651 |
| Net loans and leases to total assets | 82.5000% | 377 |
| Net loans and leases to deposits | 107.6033% | 260 |
| Net loans and leases to core deposits | 122.8809% | 454 |
| Total domestic deposits to total assets | 76.6700% | 3,989 |
| Equity capital to assets | 9.9158% | 1,905 |
| Core capital (leverage) ratio | 9.6054% | 3,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4246% | 2,493 |
| Memoranda: | ||
| Average total assets | $5,532,357,000 | 254 |
| Average earning assets | $5,072,888,000 | 251 |
| Average equity | $557,062,667 | 243 |
| Average total loans | $4,641,318,000 | 210 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 2,399 |
| Cost of funding earning assets | 1.6796% | 606 |
| Net interest margin | 2.7879% | 3,957 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.3368% | 2,710 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.5597% | 3,774 |
| Return on assets (ROA) | 0.5597% | 3,738 |
| Pretax return on assets | 0.7463% | 3,570 |
| Return on Equity (ROE) | 5.5200% | 3,798 |
| Retained earnings to average equity (ytd only) | 2.9923% | 3,509 |
| Net charge-offs to loans | -0.0010% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.1528% | 1,523 |
| Assets per employee ($millions) | 9.8462% | 736 |
| Cash dividends to net income (ytd only)* | 45.7457% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,463 |
| Loan loss allowance to noncurrent loans | 383.4993% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 2,033 |
| Noncurrent loans to loans | 0.2643% | 2,198 |
| Net loans and leases to total assets | 82.3500% | 334 |
| Net loans and leases to deposits | 106.6391% | 237 |
| Net loans and leases to core deposits | 121.3015% | 408 |
| Total domestic deposits to total assets | 77.2300% | 4,066 |
| Equity capital to assets | 10.0463% | 1,799 |
| Core capital (leverage) ratio | 9.9069% | 2,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4389% | 2,588 |
| Memoranda: | ||
| Average total assets | $5,467,589,000 | 266 |
| Average earning assets | $5,012,947,500 | 261 |
| Average equity | $554,883,000 | 249 |
| Average total loans | $4,602,401,000 | 218 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 1,924 |
| Cost of funding earning assets | 0.4777% | 1,540 |
| Net interest margin | 3.4447% | 2,117 |
| Noninterest income to average assets | 1.2100% | 467 |
| Noninterest expense to average assets | 2.8795% | 1,158 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9994% | 2,567 |
| Return on assets (ROA) | 0.9994% | 2,520 |
| Pretax return on assets | 1.3489% | 1,938 |
| Return on Equity (ROE) | 8.8100% | 3,175 |
| Retained earnings to average equity (ytd only) | 6.4383% | 2,477 |
| Net charge-offs to loans | 0.0867% | 802 |
| Credit loss provision to net charge-offs | 133.4860% | 1,387 |
| Earnings coverage of net charge-offs (x) | 20.2504% | 1,888 |
| Efficiency ratio | 65.8359% | 2,255 |
| Assets per employee ($millions) | 8.8050% | 973 |
| Cash dividends to net income (ytd only)* | 26.9553% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9902% | 3,442 |
| Loan loss allowance to noncurrent loans | 305.9380% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 1,779 |
| Noncurrent loans to loans | 0.3237% | 1,992 |
| Net loans and leases to total assets | 84.3500% | 234 |
| Net loans and leases to deposits | 105.7737% | 247 |
| Net loans and leases to core deposits | 117.0437% | 426 |
| Total domestic deposits to total assets | 79.7400% | 3,916 |
| Equity capital to assets | 10.2549% | 1,582 |
| Core capital (leverage) ratio | 10.2106% | 2,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4281% | 2,596 |
| Memoranda: | ||
| Average total assets | $4,825,925,800 | 279 |
| Average earning assets | $4,398,101,400 | 276 |
| Average equity | $547,164,000 | 254 |
| Average total loans | $4,028,883,200 | 226 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7569% | 1,871 |
| Cost of funding earning assets | 0.2737% | 2,449 |
| Net interest margin | 3.4832% | 1,713 |
| Noninterest income to average assets | 1.3700% | 396 |
| Noninterest expense to average assets | 2.9669% | 949 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0734% | 2,193 |
| Return on assets (ROA) | 1.0734% | 2,155 |
| Pretax return on assets | 1.4726% | 1,489 |
| Return on Equity (ROE) | 9.2200% | 2,965 |
| Retained earnings to average equity (ytd only) | 6.8978% | 2,404 |
| Net charge-offs to loans | 0.0489% | 995 |
| Credit loss provision to net charge-offs | 138.8928% | 1,155 |
| Earnings coverage of net charge-offs (x) | 38.8045% | 1,401 |
| Efficiency ratio | 64.9030% | 2,421 |
| Assets per employee ($millions) | 8.1165% | 1,263 |
| Cash dividends to net income (ytd only)* | 25.1509% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 3,213 |
| Loan loss allowance to noncurrent loans | 191.5640% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 1,160 |
| Noncurrent loans to loans | 0.5525% | 1,439 |
| Net loans and leases to total assets | 83.5700% | 278 |
| Net loans and leases to deposits | 105.0484% | 209 |
| Net loans and leases to core deposits | 111.1508% | 434 |
| Total domestic deposits to total assets | 79.5500% | 4,140 |
| Equity capital to assets | 10.8187% | 1,244 |
| Core capital (leverage) ratio | 10.8053% | 1,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9042% | 2,512 |
| Memoranda: | ||
| Average total assets | $4,691,852,000 | 284 |
| Average earning assets | $4,271,995,250 | 281 |
| Average equity | $546,483,000 | 257 |
| Average total loans | $3,894,050,500 | 228 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6182% | 1,781 |
| Cost of funding earning assets | 0.1924% | 3,021 |
| Net interest margin | 3.4258% | 1,527 |
| Noninterest income to average assets | 1.4694% | 343 |
| Noninterest expense to average assets | 3.0383% | 808 |
| Loan and lease loss provision to assets | 0.1256% | 774 |
| Net operating income to assets | 1.0259% | 2,063 |
| Return on assets (ROA) | 1.0259% | 2,033 |
| Pretax return on assets | 1.4265% | 1,370 |
| Return on Equity (ROE) | 8.5868% | 2,835 |
| Retained earnings to average equity (ytd only) | 6.3995% | 2,206 |
| Net charge-offs to loans | 0.1176% | 521 |
| Credit loss provision to net charge-offs | 77.2686% | 1,399 |
| Earnings coverage of net charge-offs (x) | 16.0094% | 1,630 |
| Efficiency ratio | 65.7425% | 2,547 |
| Assets per employee ($millions) | 7.4980% | 1,607 |
| Cash dividends to net income (ytd only)* | 25.4723% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,145 |
| Loan loss allowance to noncurrent loans | 178.4076% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 1,102 |
| Noncurrent loans to loans | 0.6191% | 1,370 |
| Net loans and leases to total assets | 82.8257% | 249 |
| Net loans and leases to deposits | 98.7898% | 316 |
| Net loans and leases to core deposits | 104.1153% | 506 |
| Total domestic deposits to total assets | 83.8403% | 3,712 |
| Equity capital to assets | 11.5157% | 1,026 |
| Core capital (leverage) ratio | 11.0455% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6322% | 2,238 |
| Memoranda: | ||
| Average total assets | $4,591,927,333 | 284 |
| Average earning assets | $4,183,555,000 | 287 |
| Average equity | $548,634,000 | 251 |
| Average total loans | $3,786,681,000 | 229 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4547% | 1,938 |
| Cost of funding earning assets | 0.1766% | 3,130 |
| Net interest margin | 3.2780% | 1,624 |
| Noninterest income to average assets | 1.7185% | 294 |
| Noninterest expense to average assets | 3.0938% | 694 |
| Loan and lease loss provision to assets | 0.0298% | 1,831 |
| Net operating income to assets | 1.1305% | 1,436 |
| Return on assets (ROA) | 1.1305% | 1,435 |
| Pretax return on assets | 1.5803% | 861 |
| Return on Equity (ROE) | 9.2877% | 2,218 |
| Retained earnings to average equity (ytd only) | 7.1131% | 1,854 |
| Net charge-offs to loans | 0.2945% | 216 |
| Credit loss provision to net charge-offs | 15.7143% | 1,302 |
| Earnings coverage of net charge-offs (x) | 6.6846% | 1,563 |
| Efficiency ratio | 65.3293% | 2,855 |
| Assets per employee ($millions) | 7.2363% | 1,829 |
| Cash dividends to net income (ytd only)* | 23.4137% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,289 |
| Loan loss allowance to noncurrent loans | 159.9640% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 1,052 |
| Noncurrent loans to loans | 0.6938% | 1,366 |
| Net loans and leases to total assets | 80.9847% | 204 |
| Net loans and leases to deposits | 95.9091% | 285 |
| Net loans and leases to core deposits | 101.1252% | 473 |
| Total domestic deposits to total assets | 84.4390% | 3,667 |
| Equity capital to assets | 11.9251% | 986 |
| Core capital (leverage) ratio | 11.2906% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8970% | 2,259 |
| Memoranda: | ||
| Average total assets | $4,533,509,500 | 291 |
| Average earning assets | $4,128,807,500 | 293 |
| Average equity | $551,828,000 | 253 |
| Average total loans | $3,708,207,500 | 233 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4711% | 2,747 |
| Cost of funding earning assets | 0.2566% | 2,851 |
| Net interest margin | 3.2145% | 2,572 |
| Noninterest income to average assets | 2.2424% | 262 |
| Noninterest expense to average assets | 3.4981% | 475 |
| Loan and lease loss provision to assets | -0.1594% | 4,642 |
| Net operating income to assets | 1.3386% | 1,479 |
| Return on assets (ROA) | 1.3428% | 1,503 |
| Pretax return on assets | 1.8371% | 841 |
| Return on Equity (ROE) | 10.2285% | 2,444 |
| Retained earnings to average equity (ytd only) | -4.8316% | 4,706 |
| Net charge-offs to loans | 0.0763% | 1,030 |
| Credit loss provision to net charge-offs | -262.9710% | 3,579 |
| Earnings coverage of net charge-offs (x) | 27.5830% | 1,675 |
| Efficiency ratio | 67.1422% | 2,105 |
| Assets per employee ($millions) | 7.2129% | 1,784 |
| Cash dividends to net income (ytd only)* | 147.2369% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,665 |
| Loan loss allowance to noncurrent loans | 125.5659% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8081% | 740 |
| Noncurrent loans to loans | 0.9892% | 1,006 |
| Net loans and leases to total assets | 80.6801% | 239 |
| Net loans and leases to deposits | 96.5425% | 297 |
| Net loans and leases to core deposits | 102.2447% | 450 |
| Total domestic deposits to total assets | 83.5695% | 3,672 |
| Equity capital to assets | 12.4261% | 1,085 |
| Core capital (leverage) ratio | 10.8872% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3272% | 2,114 |
| Memoranda: | ||
| Average total assets | $4,552,073,600 | 281 |
| Average earning assets | $4,146,503,000 | 278 |
| Average equity | $597,606,400 | 242 |
| Average total loans | $3,617,404,200 | 235 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 2,979 |
| Cost of funding earning assets | 0.2808% | 2,790 |
| Net interest margin | 3.1623% | 2,851 |
| Noninterest income to average assets | 2.4009% | 255 |
| Noninterest expense to average assets | 3.5211% | 449 |
| Loan and lease loss provision to assets | -0.1698% | 4,713 |
| Net operating income to assets | 1.3835% | 1,591 |
| Return on assets (ROA) | 1.3891% | 1,643 |
| Pretax return on assets | 1.9367% | 888 |
| Return on Equity (ROE) | 10.4441% | 2,570 |
| Retained earnings to average equity (ytd only) | 10.4441% | 1,185 |
| Net charge-offs to loans | 0.0586% | 1,059 |
| Credit loss provision to net charge-offs | -367.3186% | 3,558 |
| Earnings coverage of net charge-offs (x) | 38.0751% | 1,399 |
| Efficiency ratio | 66.1389% | 2,083 |
| Assets per employee ($millions) | 7.2083% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 2,190 |
| Loan loss allowance to noncurrent loans | 131.5244% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.7984% | 893 |
| Noncurrent loans to loans | 1.0322% | 1,102 |
| Net loans and leases to total assets | 76.2971% | 527 |
| Net loans and leases to deposits | 92.8407% | 454 |
| Net loans and leases to core deposits | 98.5249% | 643 |
| Total domestic deposits to total assets | 82.1806% | 3,896 |
| Equity capital to assets | 13.8066% | 781 |
| Core capital (leverage) ratio | 12.4326% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9782% | 1,355 |
| Memoranda: | ||
| Average total assets | $4,572,096,500 | 281 |
| Average earning assets | $4,164,001,250 | 278 |
| Average equity | $608,084,250 | 238 |
| Average total loans | $3,608,411,500 | 239 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4429% | 3,042 |
| Cost of funding earning assets | 0.2998% | 2,778 |
| Net interest margin | 3.1431% | 2,914 |
| Noninterest income to average assets | 2.6229% | 229 |
| Noninterest expense to average assets | 3.5518% | 439 |
| Loan and lease loss provision to assets | -0.1835% | 4,743 |
| Net operating income to assets | 1.5221% | 1,238 |
| Return on assets (ROA) | 1.5221% | 1,303 |
| Pretax return on assets | 2.1189% | 664 |
| Return on Equity (ROE) | 11.5915% | 2,205 |
| Retained earnings to average equity (ytd only) | 11.5915% | 996 |
| Net charge-offs to loans | -0.0040% | 3,365 |
| Credit loss provision to net charge-offs | 5,746.5753% | 114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2127% | 2,403 |
| Assets per employee ($millions) | 7.2311% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4551% | 1,747 |
| Loan loss allowance to noncurrent loans | 158.0939% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 1,160 |
| Noncurrent loans to loans | 0.9204% | 1,340 |
| Net loans and leases to total assets | 75.1478% | 662 |
| Net loans and leases to deposits | 91.6643% | 560 |
| Net loans and leases to core deposits | 97.3966% | 747 |
| Total domestic deposits to total assets | 81.9816% | 3,925 |
| Equity capital to assets | 13.3844% | 847 |
| Core capital (leverage) ratio | 12.0422% | 1,076 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8579% | 1,370 |
| Memoranda: | ||
| Average total assets | $4,572,781,000 | 280 |
| Average earning assets | $4,167,162,000 | 278 |
| Average equity | $600,456,000 | 240 |
| Average total loans | $3,632,950,000 | 236 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 3,060 |
| Cost of funding earning assets | 0.3229% | 2,774 |
| Net interest margin | 3.1293% | 2,906 |
| Noninterest income to average assets | 3.3343% | 176 |
| Noninterest expense to average assets | 3.7460% | 348 |
| Loan and lease loss provision to assets | 0.0080% | 2,667 |
| Net operating income to assets | 1.7524% | 854 |
| Return on assets (ROA) | 1.7524% | 910 |
| Pretax return on assets | 2.4355% | 493 |
| Return on Equity (ROE) | 13.4772% | 1,547 |
| Retained earnings to average equity (ytd only) | 13.4772% | 820 |
| Net charge-offs to loans | 0.0111% | 1,535 |
| Credit loss provision to net charge-offs | 89.2157% | 1,173 |
| Earnings coverage of net charge-offs (x) | 272.4314% | 322 |
| Efficiency ratio | 60.0614% | 3,024 |
| Assets per employee ($millions) | 7.0399% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5083% | 1,576 |
| Loan loss allowance to noncurrent loans | 171.1760% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 1,314 |
| Noncurrent loans to loans | 0.8811% | 1,534 |
| Net loans and leases to total assets | 78.4319% | 442 |
| Net loans and leases to deposits | 95.5536% | 421 |
| Net loans and leases to core deposits | 101.5346% | 646 |
| Total domestic deposits to total assets | 82.0816% | 3,877 |
| Equity capital to assets | 13.0322% | 903 |
| Core capital (leverage) ratio | 12.0096% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2679% | 1,484 |
| Memoranda: | ||
| Average total assets | $4,548,825,500 | 282 |
| Average earning assets | $4,150,410,000 | 278 |
| Average equity | $591,457,000 | 239 |
| Average total loans | $3,687,613,500 | 235 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 3,273 |
| Cost of funding earning assets | 0.6872% | 1,789 |
| Net interest margin | 3.1231% | 3,577 |
| Noninterest income to average assets | 3.1990% | 177 |
| Noninterest expense to average assets | 3.8631% | 429 |
| Loan and lease loss provision to assets | 0.8172% | 149 |
| Net operating income to assets | 1.0581% | 2,074 |
| Return on assets (ROA) | 1.1051% | 2,025 |
| Pretax return on assets | 1.4218% | 1,592 |
| Return on Equity (ROE) | 8.5248% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.5248% | 900 |
| Net charge-offs to loans | 0.0987% | 1,484 |
| Credit loss provision to net charge-offs | 1,000.4310% | 778 |
| Earnings coverage of net charge-offs (x) | 26.6816% | 1,707 |
| Efficiency ratio | 63.2840% | 2,929 |
| Assets per employee ($millions) | 7.0877% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,597 |
| Loan loss allowance to noncurrent loans | 162.4487% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.7667% | 1,340 |
| Noncurrent loans to loans | 0.9208% | 1,530 |
| Net loans and leases to total assets | 81.3069% | 340 |
| Net loans and leases to deposits | 100.4336% | 359 |
| Net loans and leases to core deposits | 107.3873% | 592 |
| Total domestic deposits to total assets | 80.9558% | 3,877 |
| Equity capital to assets | 12.9718% | 1,096 |
| Core capital (leverage) ratio | 11.8208% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6814% | 1,633 |
| Memoranda: | ||
| Average total assets | $4,260,193,400 | 275 |
| Average earning assets | $3,878,973,200 | 275 |
| Average equity | $552,258,400 | 244 |
| Average total loans | $3,525,334,800 | 241 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 3,444 |
| Cost of funding earning assets | 0.7713% | 1,627 |
| Net interest margin | 3.0678% | 3,817 |
| Noninterest income to average assets | 3.1439% | 173 |
| Noninterest expense to average assets | 3.9157% | 405 |
| Loan and lease loss provision to assets | 0.8629% | 196 |
| Net operating income to assets | 0.8284% | 2,984 |
| Return on assets (ROA) | 0.8919% | 2,853 |
| Pretax return on assets | 1.2365% | 2,272 |
| Return on Equity (ROE) | 6.8813% | 3,243 |
| Retained earnings to average equity (ytd only) | 6.8813% | 1,744 |
| Net charge-offs to loans | 0.0783% | 1,526 |
| Credit loss provision to net charge-offs | 1,331.0665% | 679 |
| Earnings coverage of net charge-offs (x) | 31.1438% | 1,549 |
| Efficiency ratio | 65.2618% | 2,549 |
| Assets per employee ($millions) | 7.0364% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,047 |
| Loan loss allowance to noncurrent loans | 122.9745% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9096% | 1,260 |
| Noncurrent loans to loans | 1.0800% | 1,391 |
| Net loans and leases to total assets | 82.4958% | 399 |
| Net loans and leases to deposits | 104.2933% | 379 |
| Net loans and leases to core deposits | 112.5681% | 609 |
| Total domestic deposits to total assets | 79.0998% | 4,045 |
| Equity capital to assets | 12.6681% | 1,344 |
| Core capital (leverage) ratio | 11.3861% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1134% | 1,792 |
| Memoranda: | ||
| Average total assets | $4,203,608,500 | 275 |
| Average earning assets | $3,824,085,500 | 273 |
| Average equity | $544,827,250 | 244 |
| Average total loans | $3,480,855,000 | 242 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9002% | 3,612 |
| Cost of funding earning assets | 0.8891% | 1,425 |
| Net interest margin | 3.0111% | 4,101 |
| Noninterest income to average assets | 2.6535% | 201 |
| Noninterest expense to average assets | 3.7877% | 510 |
| Loan and lease loss provision to assets | 0.6665% | 432 |
| Net operating income to assets | 0.6827% | 3,455 |
| Return on assets (ROA) | 0.7797% | 3,227 |
| Pretax return on assets | 1.0581% | 2,842 |
| Return on Equity (ROE) | 5.9676% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.9676% | 2,097 |
| Net charge-offs to loans | 0.1002% | 1,270 |
| Credit loss provision to net charge-offs | 806.1547% | 915 |
| Earnings coverage of net charge-offs (x) | 19.3757% | 1,724 |
| Efficiency ratio | 69.4750% | 2,024 |
| Assets per employee ($millions) | 6.8175% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9939% | 3,606 |
| Loan loss allowance to noncurrent loans | 94.8387% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 1,449 |
| Noncurrent loans to loans | 1.0480% | 1,491 |
| Net loans and leases to total assets | 80.4243% | 553 |
| Net loans and leases to deposits | 104.1588% | 369 |
| Net loans and leases to core deposits | 110.9643% | 701 |
| Total domestic deposits to total assets | 77.2131% | 4,296 |
| Equity capital to assets | 12.2922% | 1,485 |
| Core capital (leverage) ratio | 11.3076% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9358% | 1,843 |
| Memoranda: | ||
| Average total assets | $4,127,167,333 | 274 |
| Average earning assets | $3,750,143,667 | 274 |
| Average equity | $539,246,333 | 246 |
| Average total loans | $3,405,738,667 | 244 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 3,571 |
| Cost of funding earning assets | 1.1094% | 1,015 |
| Net interest margin | 2.9741% | 4,326 |
| Noninterest income to average assets | 1.6414% | 334 |
| Noninterest expense to average assets | 3.5254% | 898 |
| Loan and lease loss provision to assets | 0.3792% | 808 |
| Net operating income to assets | 0.3013% | 4,342 |
| Return on assets (ROA) | 0.5031% | 3,946 |
| Pretax return on assets | 0.6892% | 3,715 |
| Return on Equity (ROE) | 3.7259% | 4,032 |
| Retained earnings to average equity (ytd only) | 3.7259% | 2,793 |
| Net charge-offs to loans | 0.1725% | 771 |
| Credit loss provision to net charge-offs | 264.0141% | 1,255 |
| Earnings coverage of net charge-offs (x) | 5.6606% | 2,040 |
| Efficiency ratio | 80.2178% | 1,117 |
| Assets per employee ($millions) | 6.0230% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7991% | 4,417 |
| Loan loss allowance to noncurrent loans | 83.5201% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 1,693 |
| Noncurrent loans to loans | 0.9568% | 1,718 |
| Net loans and leases to total assets | 82.2812% | 414 |
| Net loans and leases to deposits | 107.9684% | 232 |
| Net loans and leases to core deposits | 117.8246% | 536 |
| Total domestic deposits to total assets | 76.2085% | 4,461 |
| Equity capital to assets | 13.5290% | 1,209 |
| Core capital (leverage) ratio | 12.1448% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2058% | 1,844 |
| Memoranda: | ||
| Average total assets | $3,954,603,000 | 277 |
| Average earning assets | $3,586,114,000 | 276 |
| Average equity | $533,998,500 | 250 |
| Average total loans | $3,292,148,000 | 243 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4654% | 3,065 |
| Cost of funding earning assets | 1.2706% | 841 |
| Net interest margin | 3.1947% | 4,195 |
| Noninterest income to average assets | 1.5799% | 373 |
| Noninterest expense to average assets | 3.7183% | 748 |
| Loan and lease loss provision to assets | 0.1262% | 1,687 |
| Net operating income to assets | 0.5298% | 4,335 |
| Return on assets (ROA) | 0.5588% | 4,323 |
| Pretax return on assets | 0.6902% | 4,226 |
| Return on Equity (ROE) | 4.8089% | 4,266 |
| Retained earnings to average equity (ytd only) | 4.8089% | 2,529 |
| Net charge-offs to loans | 0.0427% | 2,540 |
| Credit loss provision to net charge-offs | 353.7258% | 787 |
| Earnings coverage of net charge-offs (x) | 21.8763% | 1,872 |
| Efficiency ratio | 81.2615% | 851 |
| Assets per employee ($millions) | 5.8192% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7331% | 4,503 |
| Loan loss allowance to noncurrent loans | 79.5819% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 1,663 |
| Noncurrent loans to loans | 0.9211% | 1,666 |
| Net loans and leases to total assets | 82.9446% | 435 |
| Net loans and leases to deposits | 110.4525% | 182 |
| Net loans and leases to core deposits | 120.7135% | 460 |
| Total domestic deposits to total assets | 75.0953% | 4,695 |
| Equity capital to assets | 13.4771% | 1,283 |
| Core capital (leverage) ratio | 12.1578% | 1,677 |
| Tier 1 risk-based capital ratio | 14.3727% | 3,080 |
| Total risk-based capital ratio | 15.1348% | 3,231 |
| Memoranda: | ||
| Average total assets | $3,760,416,000 | 279 |
| Average earning assets | $3,435,976,800 | 273 |
| Average equity | $436,936,600 | 274 |
| Average total loans | $3,141,535,800 | 244 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4846% | 3,106 |
| Cost of funding earning assets | 1.2856% | 818 |
| Net interest margin | 3.1990% | 4,304 |
| Noninterest income to average assets | 1.4829% | 410 |
| Noninterest expense to average assets | 3.6427% | 803 |
| Loan and lease loss provision to assets | 0.1254% | 1,552 |
| Net operating income to assets | 0.5405% | 4,426 |
| Return on assets (ROA) | 0.5810% | 4,387 |
| Pretax return on assets | 0.6889% | 4,370 |
| Return on Equity (ROE) | 5.2207% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.2207% | 2,783 |
| Net charge-offs to loans | 0.0475% | 2,157 |
| Credit loss provision to net charge-offs | 315.8085% | 923 |
| Earnings coverage of net charge-offs (x) | 19.3009% | 2,008 |
| Efficiency ratio | 81.0808% | 824 |
| Assets per employee ($millions) | 5.8124% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 4,615 |
| Loan loss allowance to noncurrent loans | 84.2991% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.7236% | 1,894 |
| Noncurrent loans to loans | 0.8504% | 1,881 |
| Net loans and leases to total assets | 83.5702% | 396 |
| Net loans and leases to deposits | 108.8339% | 245 |
| Net loans and leases to core deposits | 118.2229% | 592 |
| Total domestic deposits to total assets | 76.7869% | 4,543 |
| Equity capital to assets | 13.6942% | 1,275 |
| Core capital (leverage) ratio | 12.0581% | 1,812 |
| Tier 1 risk-based capital ratio | 14.6663% | 3,002 |
| Total risk-based capital ratio | 15.4229% | 3,145 |
| Memoranda: | ||
| Average total assets | $3,718,524,250 | 284 |
| Average earning assets | $3,401,086,750 | 277 |
| Average equity | $413,826,000 | 282 |
| Average total loans | $3,106,392,250 | 249 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 3,136 |
| Cost of funding earning assets | 1.2813% | 782 |
| Net interest margin | 3.1815% | 4,398 |
| Noninterest income to average assets | 1.3157% | 508 |
| Noninterest expense to average assets | 3.5900% | 861 |
| Loan and lease loss provision to assets | 0.1415% | 1,313 |
| Net operating income to assets | 0.4050% | 4,726 |
| Return on assets (ROA) | 0.4614% | 4,645 |
| Pretax return on assets | 0.5602% | 4,612 |
| Return on Equity (ROE) | 4.5044% | 4,466 |
| Retained earnings to average equity (ytd only) | 4.5044% | 3,019 |
| Net charge-offs to loans | 0.0652% | 1,721 |
| Credit loss provision to net charge-offs | 260.4396% | 990 |
| Earnings coverage of net charge-offs (x) | 11.6503% | 2,194 |
| Efficiency ratio | 83.3682% | 702 |
| Assets per employee ($millions) | 5.6162% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7066% | 4,704 |
| Loan loss allowance to noncurrent loans | 134.3128% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 2,711 |
| Noncurrent loans to loans | 0.5261% | 2,703 |
| Net loans and leases to total assets | 83.6362% | 396 |
| Net loans and leases to deposits | 104.9342% | 383 |
| Net loans and leases to core deposits | 116.7678% | 655 |
| Total domestic deposits to total assets | 79.7035% | 4,097 |
| Equity capital to assets | 10.2946% | 3,704 |
| Core capital (leverage) ratio | 8.7107% | 4,833 |
| Tier 1 risk-based capital ratio | 10.3433% | 5,159 |
| Total risk-based capital ratio | 11.0890% | 5,204 |
| Memoranda: | ||
| Average total assets | $3,685,114,000 | 287 |
| Average earning assets | $3,367,446,000 | 281 |
| Average equity | $377,451,670 | 305 |
| Average total loans | $3,070,394,670 | 253 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4248% | 3,135 |
| Cost of funding earning assets | 1.2594% | 744 |
| Net interest margin | 3.1654% | 4,467 |
| Noninterest income to average assets | 1.0759% | 691 |
| Noninterest expense to average assets | 3.5149% | 951 |
| Loan and lease loss provision to assets | 0.0937% | 1,856 |
| Net operating income to assets | 0.2946% | 4,907 |
| Return on assets (ROA) | 0.2946% | 4,910 |
| Pretax return on assets | 0.3604% | 4,889 |
| Return on Equity (ROE) | 2.8840% | 4,811 |
| Retained earnings to average equity (ytd only) | 2.8840% | 3,785 |
| Net charge-offs to loans | 0.0304% | 1,847 |
| Credit loss provision to net charge-offs | 372.6087% | 732 |
| Earnings coverage of net charge-offs (x) | 18.0522% | 1,638 |
| Efficiency ratio | 86.7956% | 531 |
| Assets per employee ($millions) | 5.6368% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7017% | 4,776 |
| Loan loss allowance to noncurrent loans | 117.0627% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5145% | 2,567 |
| Noncurrent loans to loans | 0.5994% | 2,541 |
| Net loans and leases to total assets | 82.3260% | 555 |
| Net loans and leases to deposits | 105.0069% | 359 |
| Net loans and leases to core deposits | 117.0041% | 616 |
| Total domestic deposits to total assets | 78.4006% | 4,450 |
| Equity capital to assets | 10.2979% | 3,525 |
| Core capital (leverage) ratio | 8.6168% | 4,936 |
| Tier 1 risk-based capital ratio | 10.3816% | 5,199 |
| Total risk-based capital ratio | 11.1149% | 5,266 |
| Memoranda: | ||
| Average total assets | $3,657,470,500 | 287 |
| Average earning assets | $3,342,811,000 | 284 |
| Average equity | $373,648,000 | 310 |
| Average total loans | $3,030,296,000 | 257 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2250% | 3,373 |
| Cost of funding earning assets | 0.9600% | 887 |
| Net interest margin | 3.2650% | 4,348 |
| Noninterest income to average assets | 1.6656% | 344 |
| Noninterest expense to average assets | 4.0052% | 526 |
| Loan and lease loss provision to assets | 0.1305% | 1,687 |
| Net operating income to assets | 0.4580% | 4,752 |
| Return on assets (ROA) | 0.4581% | 4,751 |
| Pretax return on assets | 0.5672% | 4,691 |
| Return on Equity (ROE) | 4.6718% | 4,538 |
| Retained earnings to average equity (ytd only) | -9.2324% | 5,311 |
| Net charge-offs to loans | 0.0676% | 2,148 |
| Credit loss provision to net charge-offs | 230.3249% | 1,281 |
| Earnings coverage of net charge-offs (x) | 12.3129% | 2,542 |
| Efficiency ratio | 84.6563% | 602 |
| Assets per employee ($millions) | 5.5573% | 1,906 |
| Cash dividends to net income (ytd only)* | 297.6190% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6822% | 4,837 |
| Loan loss allowance to noncurrent loans | 117.6186% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.4954% | 2,597 |
| Noncurrent loans to loans | 0.5800% | 2,549 |
| Net loans and leases to total assets | 82.2319% | 620 |
| Net loans and leases to deposits | 111.0666% | 226 |
| Net loans and leases to core deposits | 122.7563% | 474 |
| Total domestic deposits to total assets | 74.0383% | 4,945 |
| Equity capital to assets | 10.1342% | 3,538 |
| Core capital (leverage) ratio | 8.6146% | 4,947 |
| Tier 1 risk-based capital ratio | 10.3313% | 5,235 |
| Total risk-based capital ratio | 11.0504% | 5,308 |
| Memoranda: | ||
| Average total assets | $2,933,856,400 | 326 |
| Average earning assets | $2,729,164,000 | 322 |
| Average equity | $287,683,800 | 351 |
| Average total loans | $2,459,999,200 | 286 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0612% | 3,755 |
| Cost of funding earning assets | 0.8591% | 1,079 |
| Net interest margin | 3.2021% | 4,508 |
| Noninterest income to average assets | 1.8057% | 322 |
| Noninterest expense to average assets | 3.9597% | 550 |
| Loan and lease loss provision to assets | 0.1126% | 1,801 |
| Net operating income to assets | 0.5894% | 4,529 |
| Return on assets (ROA) | 0.5894% | 4,538 |
| Pretax return on assets | 0.7310% | 4,464 |
| Return on Equity (ROE) | 6.0786% | 4,242 |
| Retained earnings to average equity (ytd only) | 6.0786% | 2,619 |
| Net charge-offs to loans | 0.0791% | 1,729 |
| Credit loss provision to net charge-offs | 169.1636% | 1,574 |
| Earnings coverage of net charge-offs (x) | 12.6691% | 2,434 |
| Efficiency ratio | 82.3701% | 754 |
| Assets per employee ($millions) | 4.9032% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 4,555 |
| Loan loss allowance to noncurrent loans | 117.2285% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6006% | 2,381 |
| Noncurrent loans to loans | 0.6970% | 2,334 |
| Net loans and leases to total assets | 82.6877% | 605 |
| Net loans and leases to deposits | 102.6829% | 612 |
| Net loans and leases to core deposits | 113.4705% | 845 |
| Total domestic deposits to total assets | 80.5273% | 3,987 |
| Equity capital to assets | 9.5789% | 4,012 |
| Core capital (leverage) ratio | 9.4106% | 4,265 |
| Tier 1 risk-based capital ratio | 11.3372% | 4,882 |
| Total risk-based capital ratio | 12.1704% | 4,974 |
| Memoranda: | ||
| Average total assets | $2,753,149,500 | 339 |
| Average earning assets | $2,577,305,500 | 330 |
| Average equity | $266,961,250 | 367 |
| Average total loans | $2,318,095,500 | 303 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9913% | 3,809 |
| Cost of funding earning assets | 0.7868% | 1,190 |
| Net interest margin | 3.2045% | 4,493 |
| Noninterest income to average assets | 1.7360% | 343 |
| Noninterest expense to average assets | 4.0332% | 506 |
| Loan and lease loss provision to assets | 0.1246% | 1,588 |
| Net operating income to assets | 0.4323% | 4,897 |
| Return on assets (ROA) | 0.4323% | 4,904 |
| Pretax return on assets | 0.5766% | 4,770 |
| Return on Equity (ROE) | 4.4391% | 4,709 |
| Retained earnings to average equity (ytd only) | 4.4391% | 3,375 |
| Net charge-offs to loans | 0.0817% | 1,511 |
| Credit loss provision to net charge-offs | 180.4047% | 1,404 |
| Earnings coverage of net charge-offs (x) | 10.1544% | 2,349 |
| Efficiency ratio | 85.1209% | 620 |
| Assets per employee ($millions) | 4.9427% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8114% | 4,656 |
| Loan loss allowance to noncurrent loans | 118.7608% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,407 |
| Noncurrent loans to loans | 0.6832% | 2,399 |
| Net loans and leases to total assets | 83.6455% | 503 |
| Net loans and leases to deposits | 106.4334% | 417 |
| Net loans and leases to core deposits | 117.1066% | 665 |
| Total domestic deposits to total assets | 78.5895% | 4,492 |
| Equity capital to assets | 9.5219% | 4,076 |
| Core capital (leverage) ratio | 9.5739% | 4,024 |
| Tier 1 risk-based capital ratio | 11.0190% | 5,046 |
| Total risk-based capital ratio | 11.8416% | 5,131 |
| Memoranda: | ||
| Average total assets | $2,719,636,670 | 341 |
| Average earning assets | $2,544,639,330 | 334 |
| Average equity | $264,831,000 | 366 |
| Average total loans | $2,297,764,000 | 301 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9325% | 3,842 |
| Cost of funding earning assets | 0.7366% | 1,256 |
| Net interest margin | 3.1959% | 4,475 |
| Noninterest income to average assets | 1.6778% | 353 |
| Noninterest expense to average assets | 4.0369% | 506 |
| Loan and lease loss provision to assets | 0.1209% | 1,562 |
| Net operating income to assets | 0.3750% | 4,974 |
| Return on assets (ROA) | 0.3750% | 4,979 |
| Pretax return on assets | 0.5117% | 4,852 |
| Return on Equity (ROE) | 3.8063% | 4,820 |
| Retained earnings to average equity (ytd only) | 3.8063% | 3,674 |
| Net charge-offs to loans | 0.0768% | 1,355 |
| Credit loss provision to net charge-offs | 186.1751% | 1,089 |
| Earnings coverage of net charge-offs (x) | 9.7419% | 1,947 |
| Efficiency ratio | 86.3813% | 621 |
| Assets per employee ($millions) | 4.5168% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8320% | 4,698 |
| Loan loss allowance to noncurrent loans | 116.4958% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6316% | 2,420 |
| Noncurrent loans to loans | 0.7142% | 2,428 |
| Net loans and leases to total assets | 83.3804% | 500 |
| Net loans and leases to deposits | 103.9640% | 479 |
| Net loans and leases to core deposits | 122.7705% | 506 |
| Total domestic deposits to total assets | 80.2013% | 4,383 |
| Equity capital to assets | 9.7978% | 3,797 |
| Core capital (leverage) ratio | 9.6379% | 3,920 |
| Tier 1 risk-based capital ratio | 11.3317% | 4,962 |
| Total risk-based capital ratio | 12.1762% | 5,080 |
| Memoranda: | ||
| Average total assets | $2,673,264,500 | 345 |
| Average earning assets | $2,502,446,000 | 341 |
| Average equity | $263,351,000 | 369 |
| Average total loans | $2,260,809,500 | 304 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7587% | 4,191 |
| Cost of funding earning assets | 0.6677% | 1,198 |
| Net interest margin | 3.0910% | 4,710 |
| Noninterest income to average assets | 2.1002% | 275 |
| Noninterest expense to average assets | 4.2034% | 417 |
| Loan and lease loss provision to assets | 0.0942% | 2,321 |
| Net operating income to assets | 0.4402% | 4,562 |
| Return on assets (ROA) | 0.4402% | 4,591 |
| Pretax return on assets | 0.6890% | 4,534 |
| Return on Equity (ROE) | 4.4471% | 4,364 |
| Retained earnings to average equity (ytd only) | 4.4471% | 2,484 |
| Net charge-offs to loans | 0.0412% | 2,962 |
| Credit loss provision to net charge-offs | 269.9441% | 1,038 |
| Earnings coverage of net charge-offs (x) | 22.4536% | 1,848 |
| Efficiency ratio | 84.2258% | 750 |
| Assets per employee ($millions) | 4.5611% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 4,771 |
| Loan loss allowance to noncurrent loans | 104.3338% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.6938% | 2,238 |
| Noncurrent loans to loans | 0.7861% | 2,256 |
| Net loans and leases to total assets | 84.3732% | 409 |
| Net loans and leases to deposits | 108.9354% | 295 |
| Net loans and leases to core deposits | 129.4182% | 353 |
| Total domestic deposits to total assets | 77.4525% | 4,801 |
| Equity capital to assets | 9.9057% | 3,811 |
| Core capital (leverage) ratio | 9.5731% | 3,944 |
| Tier 1 risk-based capital ratio | 11.4279% | 4,900 |
| Total risk-based capital ratio | 12.2746% | 5,016 |
| Memoranda: | ||
| Average total assets | $2,566,035,600 | 342 |
| Average earning assets | $2,396,075,800 | 335 |
| Average equity | $254,011,000 | 367 |
| Average total loans | $2,172,535,400 | 298 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 4,258 |
| Cost of funding earning assets | 0.6505% | 1,239 |
| Net interest margin | 3.0731% | 4,770 |
| Noninterest income to average assets | 2.0898% | 292 |
| Noninterest expense to average assets | 4.1278% | 444 |
| Loan and lease loss provision to assets | 0.0868% | 2,352 |
| Net operating income to assets | 0.4690% | 4,827 |
| Return on assets (ROA) | 0.4690% | 4,862 |
| Pretax return on assets | 0.7437% | 4,500 |
| Return on Equity (ROE) | 4.7390% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.7390% | 3,056 |
| Net charge-offs to loans | 0.0428% | 2,584 |
| Credit loss provision to net charge-offs | 239.6527% | 1,172 |
| Earnings coverage of net charge-offs (x) | 22.9407% | 1,839 |
| Efficiency ratio | 83.1812% | 822 |
| Assets per employee ($millions) | 4.4488% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 4,867 |
| Loan loss allowance to noncurrent loans | 92.1958% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7858% | 2,171 |
| Noncurrent loans to loans | 0.8767% | 2,182 |
| Net loans and leases to total assets | 84.8503% | 351 |
| Net loans and leases to deposits | 109.3497% | 301 |
| Net loans and leases to core deposits | 137.5758% | 237 |
| Total domestic deposits to total assets | 77.5954% | 4,788 |
| Equity capital to assets | 9.9157% | 4,020 |
| Core capital (leverage) ratio | 9.5688% | 4,072 |
| Tier 1 risk-based capital ratio | 11.5770% | 4,903 |
| Total risk-based capital ratio | 12.4275% | 5,043 |
| Memoranda: | ||
| Average total assets | $2,545,041,500 | 345 |
| Average earning assets | $2,375,583,750 | 340 |
| Average equity | $251,888,250 | 371 |
| Average total loans | $2,152,072,250 | 300 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6459% | 4,375 |
| Cost of funding earning assets | 0.6311% | 1,258 |
| Net interest margin | 3.0149% | 4,877 |
| Noninterest income to average assets | 2.0121% | 308 |
| Noninterest expense to average assets | 4.0200% | 513 |
| Loan and lease loss provision to assets | 0.0581% | 2,813 |
| Net operating income to assets | 0.4734% | 4,777 |
| Return on assets (ROA) | 0.4734% | 4,809 |
| Pretax return on assets | 0.7470% | 4,443 |
| Return on Equity (ROE) | 4.7864% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.7864% | 2,859 |
| Net charge-offs to loans | 0.0490% | 2,242 |
| Credit loss provision to net charge-offs | 140.8046% | 1,584 |
| Earnings coverage of net charge-offs (x) | 19.5019% | 1,829 |
| Efficiency ratio | 83.2418% | 905 |
| Assets per employee ($millions) | 4.3309% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7851% | 4,984 |
| Loan loss allowance to noncurrent loans | 80.7036% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 0.8690% | 2,034 |
| Noncurrent loans to loans | 0.9728% | 2,021 |
| Net loans and leases to total assets | 84.5437% | 392 |
| Net loans and leases to deposits | 108.5192% | 300 |
| Net loans and leases to core deposits | 133.0534% | 266 |
| Total domestic deposits to total assets | 77.9067% | 4,830 |
| Equity capital to assets | 9.8731% | 4,054 |
| Core capital (leverage) ratio | 9.5364% | 4,094 |
| Tier 1 risk-based capital ratio | 11.6094% | 4,890 |
| Total risk-based capital ratio | 12.4384% | 5,043 |
| Memoranda: | ||
| Average total assets | $2,528,834,330 | 350 |
| Average earning assets | $2,359,507,670 | 344 |
| Average equity | $250,124,000 | 375 |
| Average total loans | $2,129,875,000 | 304 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 4,420 |
| Cost of funding earning assets | 0.6351% | 1,162 |
| Net interest margin | 2.9658% | 4,967 |
| Noninterest income to average assets | 1.8123% | 361 |
| Noninterest expense to average assets | 3.8571% | 633 |
| Loan and lease loss provision to assets | 0.0422% | 2,956 |
| Net operating income to assets | 0.4408% | 4,812 |
| Return on assets (ROA) | 0.4408% | 4,835 |
| Pretax return on assets | 0.6801% | 4,508 |
| Return on Equity (ROE) | 4.4524% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.4524% | 3,198 |
| Net charge-offs to loans | 0.0665% | 1,666 |
| Credit loss provision to net charge-offs | 75.9312% | 1,783 |
| Earnings coverage of net charge-offs (x) | 12.9828% | 1,812 |
| Efficiency ratio | 84.1502% | 957 |
| Assets per employee ($millions) | 4.3215% | 3,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 5,071 |
| Loan loss allowance to noncurrent loans | 78.7206% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 0.9053% | 2,044 |
| Noncurrent loans to loans | 1.0136% | 2,024 |
| Net loans and leases to total assets | 81.7758% | 593 |
| Net loans and leases to deposits | 105.0450% | 360 |
| Net loans and leases to core deposits | 119.5144% | 472 |
| Total domestic deposits to total assets | 77.8484% | 4,985 |
| Equity capital to assets | 9.7372% | 4,030 |
| Core capital (leverage) ratio | 9.5307% | 4,083 |
| Tier 1 risk-based capital ratio | 11.7997% | 4,852 |
| Total risk-based capital ratio | 12.6390% | 4,997 |
| Memoranda: | ||
| Average total assets | $2,509,133,500 | 355 |
| Average earning assets | $2,341,123,500 | 349 |
| Average equity | $248,404,000 | 375 |
| Average total loans | $2,100,580,500 | 309 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5177% | 4,742 |
| Cost of funding earning assets | 0.6446% | 1,084 |
| Net interest margin | 2.8732% | 5,178 |
| Noninterest income to average assets | 2.8762% | 217 |
| Noninterest expense to average assets | 4.7685% | 299 |
| Loan and lease loss provision to assets | 0.1817% | 1,308 |
| Net operating income to assets | 0.3727% | 5,026 |
| Return on assets (ROA) | 0.3806% | 5,087 |
| Pretax return on assets | 0.6102% | 4,758 |
| Return on Equity (ROE) | 3.9067% | 4,867 |
| Retained earnings to average equity (ytd only) | 3.9067% | 3,145 |
| Net charge-offs to loans | 0.0467% | 3,100 |
| Credit loss provision to net charge-offs | 461.5044% | 702 |
| Earnings coverage of net charge-offs (x) | 19.7976% | 1,896 |
| Efficiency ratio | 85.8784% | 831 |
| Assets per employee ($millions) | 3.9923% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8138% | 5,071 |
| Loan loss allowance to noncurrent loans | 80.6694% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.9301% | 2,039 |
| Noncurrent loans to loans | 1.0088% | 2,073 |
| Net loans and leases to total assets | 84.3696% | 354 |
| Net loans and leases to deposits | 110.0364% | 227 |
| Net loans and leases to core deposits | 122.3498% | 417 |
| Total domestic deposits to total assets | 76.6743% | 5,156 |
| Equity capital to assets | 10.0705% | 3,651 |
| Core capital (leverage) ratio | 9.8617% | 3,678 |
| Tier 1 risk-based capital ratio | 11.9720% | 4,745 |
| Total risk-based capital ratio | 12.8377% | 4,902 |
| Memoranda: | ||
| Average total assets | $2,295,520,000 | 361 |
| Average earning assets | $2,134,725,600 | 353 |
| Average equity | $223,643,400 | 395 |
| Average total loans | $1,936,644,400 | 311 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4915% | 4,833 |
| Cost of funding earning assets | 0.6528% | 1,048 |
| Net interest margin | 2.8387% | 5,286 |
| Noninterest income to average assets | 2.7789% | 227 |
| Noninterest expense to average assets | 4.7354% | 316 |
| Loan and lease loss provision to assets | 0.1605% | 1,441 |
| Net operating income to assets | 0.3383% | 5,189 |
| Return on assets (ROA) | 0.3492% | 5,249 |
| Pretax return on assets | 0.5380% | 5,043 |
| Return on Equity (ROE) | 3.6172% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.6172% | 3,719 |
| Net charge-offs to loans | 0.0410% | 2,816 |
| Credit loss provision to net charge-offs | 465.0685% | 751 |
| Earnings coverage of net charge-offs (x) | 19.7585% | 1,916 |
| Efficiency ratio | 87.3424% | 715 |
| Assets per employee ($millions) | 3.9330% | 4,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7781% | 5,253 |
| Loan loss allowance to noncurrent loans | 66.4735% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 1.0958% | 1,865 |
| Noncurrent loans to loans | 1.1705% | 1,915 |
| Net loans and leases to total assets | 85.9821% | 253 |
| Net loans and leases to deposits | 111.5691% | 232 |
| Net loans and leases to core deposits | 118.2513% | 565 |
| Total domestic deposits to total assets | 77.0662% | 5,075 |
| Equity capital to assets | 10.4785% | 3,590 |
| Core capital (leverage) ratio | 10.1375% | 3,395 |
| Tier 1 risk-based capital ratio | 12.2177% | 4,662 |
| Total risk-based capital ratio | 13.0521% | 4,811 |
| Memoranda: | ||
| Average total assets | $2,256,582,000 | 365 |
| Average earning assets | $2,097,228,500 | 356 |
| Average equity | $217,840,500 | 406 |
| Average total loans | $1,899,531,500 | 313 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4576% | 4,969 |
| Cost of funding earning assets | 0.6778% | 908 |
| Net interest margin | 2.7798% | 5,457 |
| Noninterest income to average assets | 2.3649% | 273 |
| Noninterest expense to average assets | 4.5603% | 365 |
| Loan and lease loss provision to assets | 0.0904% | 2,342 |
| Net operating income to assets | 0.1936% | 5,534 |
| Return on assets (ROA) | 0.2101% | 5,568 |
| Pretax return on assets | 0.3214% | 5,466 |
| Return on Equity (ROE) | 2.2443% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.2443% | 4,449 |
| Net charge-offs to loans | 0.0288% | 2,906 |
| Credit loss provision to net charge-offs | 376.7790% | 805 |
| Earnings coverage of net charge-offs (x) | 16.1049% | 1,949 |
| Efficiency ratio | 92.1101% | 489 |
| Assets per employee ($millions) | 3.7105% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7462% | 5,418 |
| Loan loss allowance to noncurrent loans | 56.1283% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 1.2110% | 1,713 |
| Noncurrent loans to loans | 1.3294% | 1,692 |
| Net loans and leases to total assets | 84.7149% | 367 |
| Net loans and leases to deposits | 107.6336% | 309 |
| Net loans and leases to core deposits | 111.4340% | 849 |
| Total domestic deposits to total assets | 78.7067% | 4,846 |
| Equity capital to assets | 10.7077% | 3,393 |
| Core capital (leverage) ratio | 10.2623% | 3,255 |
| Tier 1 risk-based capital ratio | 12.5783% | 4,461 |
| Total risk-based capital ratio | 13.3741% | 4,672 |
| Memoranda: | ||
| Average total assets | $2,226,106,000 | 368 |
| Average earning assets | $2,067,443,330 | 363 |
| Average equity | $208,441,670 | 419 |
| Average total loans | $1,854,475,000 | 317 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 5,114 |
| Cost of funding earning assets | 0.6936% | 831 |
| Net interest margin | 2.7127% | 5,601 |
| Noninterest income to average assets | 1.9632% | 346 |
| Noninterest expense to average assets | 4.4561% | 409 |
| Loan and lease loss provision to assets | 0.0372% | 3,168 |
| Net operating income to assets | -0.0067% | 5,791 |
| Return on assets (ROA) | 0.0227% | 5,797 |
| Pretax return on assets | 0.0337% | 5,791 |
| Return on Equity (ROE) | 0.2614% | 5,793 |
| Retained earnings to average equity (ytd only) | 0.2614% | 5,048 |
| Net charge-offs to loans | 0.0461% | 2,103 |
| Credit loss provision to net charge-offs | 98.0861% | 1,692 |
| Earnings coverage of net charge-offs (x) | 0.7129% | 2,901 |
| Efficiency ratio | 99.3083% | 310 |
| Assets per employee ($millions) | 3.8014% | 4,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7520% | 5,489 |
| Loan loss allowance to noncurrent loans | 49.9872% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3058% | 1,641 |
| Noncurrent loans to loans | 1.5044% | 1,554 |
| Net loans and leases to total assets | 80.4541% | 757 |
| Net loans and leases to deposits | 102.9228% | 466 |
| Net loans and leases to core deposits | 107.3987% | 998 |
| Total domestic deposits to total assets | 78.1694% | 5,111 |
| Equity capital to assets | 8.5408% | 5,539 |
| Core capital (leverage) ratio | 8.1770% | 5,666 |
| Tier 1 risk-based capital ratio | 10.3952% | 5,794 |
| Total risk-based capital ratio | 11.1956% | 5,890 |
| Memoranda: | ||
| Average total assets | $2,205,596,500 | 370 |
| Average earning assets | $2,048,873,000 | 366 |
| Average equity | $191,284,500 | 446 |
| Average total loans | $1,814,197,000 | 322 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 5,207 |
| Cost of funding earning assets | 0.7356% | 685 |
| Net interest margin | 2.6434% | 5,716 |
| Noninterest income to average assets | 1.6343% | 487 |
| Noninterest expense to average assets | 3.6556% | 1,035 |
| Loan and lease loss provision to assets | 0.0590% | 3,131 |
| Net operating income to assets | 0.2611% | 5,456 |
| Return on assets (ROA) | 0.2706% | 5,516 |
| Pretax return on assets | 0.3907% | 5,339 |
| Return on Equity (ROE) | 3.0738% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.0738% | 3,871 |
| Net charge-offs to loans | 0.0854% | 2,608 |
| Credit loss provision to net charge-offs | 84.3624% | 2,871 |
| Earnings coverage of net charge-offs (x) | 6.2342% | 3,260 |
| Efficiency ratio | 89.1386% | 747 |
| Assets per employee ($millions) | 3.7521% | 4,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 5,509 |
| Loan loss allowance to noncurrent loans | 46.9725% | 4,949 |
| Noncurrent assets plus other real estate owned to assets | 1.4527% | 1,416 |
| Noncurrent loans to loans | 1.6139% | 1,423 |
| Net loans and leases to total assets | 82.8416% | 502 |
| Net loans and leases to deposits | 105.8700% | 368 |
| Net loans and leases to core deposits | 110.7036% | 821 |
| Total domestic deposits to total assets | 78.2484% | 5,114 |
| Equity capital to assets | 8.8057% | 5,302 |
| Core capital (leverage) ratio | 8.2933% | 5,611 |
| Tier 1 risk-based capital ratio | 10.7440% | 5,648 |
| Total risk-based capital ratio | 11.5729% | 5,776 |
| Memoranda: | ||
| Average total assets | $2,131,521,400 | 368 |
| Average earning assets | $1,981,244,400 | 359 |
| Average equity | $187,647,800 | 439 |
| Average total loans | $1,743,828,800 | 312 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3414% | 5,339 |
| Cost of funding earning assets | 0.7444% | 668 |
| Net interest margin | 2.5970% | 5,836 |
| Noninterest income to average assets | 1.3851% | 647 |
| Noninterest expense to average assets | 3.3686% | 1,537 |
| Loan and lease loss provision to assets | 0.0780% | 2,620 |
| Net operating income to assets | 0.2522% | 5,572 |
| Return on assets (ROA) | 0.2653% | 5,624 |
| Pretax return on assets | 0.3720% | 5,520 |
| Return on Equity (ROE) | 3.0140% | 5,385 |
| Retained earnings to average equity (ytd only) | 3.0140% | 4,298 |
| Net charge-offs to loans | 0.0905% | 2,263 |
| Credit loss provision to net charge-offs | 105.8824% | 2,173 |
| Earnings coverage of net charge-offs (x) | 5.8576% | 3,143 |
| Efficiency ratio | 88.3794% | 808 |
| Assets per employee ($millions) | 3.8059% | 4,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 5,590 |
| Loan loss allowance to noncurrent loans | 46.6813% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 1,518 |
| Noncurrent loans to loans | 1.6474% | 1,497 |
| Net loans and leases to total assets | 82.5660% | 518 |
| Net loans and leases to deposits | 108.0738% | 302 |
| Net loans and leases to core deposits | 113.1366% | 703 |
| Total domestic deposits to total assets | 76.3979% | 5,431 |
| Equity capital to assets | 8.6909% | 5,579 |
| Core capital (leverage) ratio | 8.1765% | 5,795 |
| Tier 1 risk-based capital ratio | 10.8396% | 5,737 |
| Total risk-based capital ratio | 11.6894% | 5,839 |
| Memoranda: | ||
| Average total assets | $2,123,160,750 | 374 |
| Average earning assets | $1,974,389,750 | 364 |
| Average equity | $186,899,750 | 442 |
| Average total loans | $1,727,988,250 | 316 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2306% | 5,570 |
| Cost of funding earning assets | 0.7355% | 695 |
| Net interest margin | 2.4951% | 5,964 |
| Noninterest income to average assets | 0.7581% | 1,963 |
| Noninterest expense to average assets | 2.7891% | 3,276 |
| Loan and lease loss provision to assets | 0.0873% | 2,361 |
| Net operating income to assets | 0.1693% | 5,767 |
| Return on assets (ROA) | 0.1914% | 5,780 |
| Pretax return on assets | 0.2422% | 5,754 |
| Return on Equity (ROE) | 2.1762% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.1762% | 4,621 |
| Net charge-offs to loans | 0.0864% | 2,175 |
| Credit loss provision to net charge-offs | 125.1023% | 1,743 |
| Earnings coverage of net charge-offs (x) | 4.3206% | 3,056 |
| Efficiency ratio | 89.9590% | 754 |
| Assets per employee ($millions) | 6.2628% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 5,580 |
| Loan loss allowance to noncurrent loans | 46.1569% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 1,573 |
| Noncurrent loans to loans | 1.7504% | 1,465 |
| Net loans and leases to total assets | 79.9887% | 806 |
| Net loans and leases to deposits | 103.9920% | 453 |
| Net loans and leases to core deposits | 109.0650% | 890 |
| Total domestic deposits to total assets | 76.9181% | 5,467 |
| Equity capital to assets | 8.5632% | 5,628 |
| Core capital (leverage) ratio | 8.7488% | 5,276 |
| Tier 1 risk-based capital ratio | 11.5153% | 5,453 |
| Total risk-based capital ratio | 12.4052% | 5,561 |
| Memoranda: | ||
| Average total assets | $2,100,333,330 | 375 |
| Average earning assets | $1,963,518,000 | 366 |
| Average equity | $184,726,670 | 449 |
| Average total loans | $1,697,032,330 | 319 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2543% | 5,547 |
| Cost of funding earning assets | 0.7503% | 656 |
| Net interest margin | 2.5040% | 6,009 |
| Noninterest income to average assets | 0.7528% | 1,899 |
| Noninterest expense to average assets | 2.8659% | 3,016 |
| Loan and lease loss provision to assets | 0.0484% | 2,962 |
| Net operating income to assets | 0.1364% | 5,817 |
| Return on assets (ROA) | 0.1813% | 5,798 |
| Pretax return on assets | 0.2285% | 5,790 |
| Return on Equity (ROE) | 2.0335% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.0335% | 4,660 |
| Net charge-offs to loans | 0.0964% | 1,756 |
| Credit loss provision to net charge-offs | 62.0347% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2.8213% | 2,695 |
| Efficiency ratio | 92.5817% | 677 |
| Assets per employee ($millions) | 6.2968% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 5,634 |
| Loan loss allowance to noncurrent loans | 42.2005% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 1.7168% | 1,456 |
| Noncurrent loans to loans | 1.9513% | 1,361 |
| Net loans and leases to total assets | 79.3943% | 757 |
| Net loans and leases to deposits | 106.0632% | 314 |
| Net loans and leases to core deposits | 111.3539% | 689 |
| Total domestic deposits to total assets | 74.8557% | 5,839 |
| Equity capital to assets | 8.8573% | 5,437 |
| Core capital (leverage) ratio | 8.8497% | 5,138 |
| Tier 1 risk-based capital ratio | 11.2803% | 5,677 |
| Total risk-based capital ratio | 12.1364% | 5,786 |
| Memoranda: | ||
| Average total assets | $2,067,042,000 | 378 |
| Average earning assets | $1,926,042,000 | 368 |
| Average equity | $184,311,500 | 451 |
| Average total loans | $1,671,846,000 | 323 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2815% | 5,728 |
| Cost of funding earning assets | 0.8497% | 507 |
| Net interest margin | 2.4318% | 6,209 |
| Noninterest income to average assets | 0.7593% | 2,039 |
| Noninterest expense to average assets | 2.7197% | 3,794 |
| Loan and lease loss provision to assets | 0.1301% | 2,016 |
| Net operating income to assets | 0.1331% | 5,908 |
| Return on assets (ROA) | 0.1498% | 5,922 |
| Pretax return on assets | 0.2168% | 5,847 |
| Return on Equity (ROE) | 1.6367% | 5,854 |
| Retained earnings to average equity (ytd only) | 1.6367% | 4,997 |
| Net charge-offs to loans | 0.1957% | 2,096 |
| Credit loss provision to net charge-offs | 81.3128% | 2,839 |
| Earnings coverage of net charge-offs (x) | 2.0166% | 4,271 |
| Efficiency ratio | 89.0911% | 903 |
| Assets per employee ($millions) | 6.2687% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 5,673 |
| Loan loss allowance to noncurrent loans | 39.8126% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.8553% | 1,397 |
| Noncurrent loans to loans | 2.0956% | 1,302 |
| Net loans and leases to total assets | 81.0438% | 625 |
| Net loans and leases to deposits | 109.8700% | 239 |
| Net loans and leases to core deposits | 116.0559% | 524 |
| Total domestic deposits to total assets | 73.7633% | 5,963 |
| Equity capital to assets | 8.9974% | 5,287 |
| Core capital (leverage) ratio | 8.8466% | 5,192 |
| Tier 1 risk-based capital ratio | 12.0916% | 5,301 |
| Total risk-based capital ratio | 13.0332% | 5,413 |
| Memoranda: | ||
| Average total assets | $1,990,499,600 | 372 |
| Average earning assets | $1,868,662,600 | 361 |
| Average equity | $182,195,800 | 440 |
| Average total loans | $1,626,622,600 | 312 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2735% | 5,802 |
| Cost of funding earning assets | 0.8648% | 499 |
| Net interest margin | 2.4087% | 6,292 |
| Noninterest income to average assets | 0.7497% | 2,102 |
| Noninterest expense to average assets | 2.7594% | 3,609 |
| Loan and lease loss provision to assets | 0.1076% | 2,247 |
| Net operating income to assets | 0.1056% | 6,023 |
| Return on assets (ROA) | 0.1140% | 6,038 |
| Pretax return on assets | 0.1608% | 6,000 |
| Return on Equity (ROE) | 1.2396% | 5,999 |
| Retained earnings to average equity (ytd only) | 1.2396% | 5,400 |
| Net charge-offs to loans | 0.2235% | 1,702 |
| Credit loss provision to net charge-offs | 58.8778% | 2,955 |
| Earnings coverage of net charge-offs (x) | 1.4046% | 4,165 |
| Efficiency ratio | 91.1819% | 758 |
| Assets per employee ($millions) | 6.1426% | 1,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 5,819 |
| Loan loss allowance to noncurrent loans | 37.1483% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 1.9803% | 1,456 |
| Noncurrent loans to loans | 2.2125% | 1,372 |
| Net loans and leases to total assets | 81.0865% | 593 |
| Net loans and leases to deposits | 108.0668% | 263 |
| Net loans and leases to core deposits | 113.3240% | 607 |
| Total domestic deposits to total assets | 75.0337% | 5,920 |
| Equity capital to assets | 9.1569% | 5,203 |
| Core capital (leverage) ratio | 9.0384% | 5,023 |
| Tier 1 risk-based capital ratio | 12.2969% | 5,302 |
| Total risk-based capital ratio | 13.2269% | 5,418 |
| Memoranda: | ||
| Average total assets | $1,977,226,750 | 371 |
| Average earning assets | $1,860,364,250 | 359 |
| Average equity | $181,777,000 | 433 |
| Average total loans | $1,615,744,000 | 307 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2380% | 5,887 |
| Cost of funding earning assets | 0.8774% | 486 |
| Net interest margin | 2.3607% | 6,382 |
| Noninterest income to average assets | 0.6885% | 2,335 |
| Noninterest expense to average assets | 2.7096% | 3,823 |
| Loan and lease loss provision to assets | 0.0903% | 2,519 |
| Net operating income to assets | 0.0797% | 6,084 |
| Return on assets (ROA) | 0.0917% | 6,091 |
| Pretax return on assets | 0.1354% | 6,046 |
| Return on Equity (ROE) | 0.9965% | 6,056 |
| Retained earnings to average equity (ytd only) | 0.9965% | 5,359 |
| Net charge-offs to loans | 0.2846% | 1,398 |
| Credit loss provision to net charge-offs | 38.8477% | 2,942 |
| Earnings coverage of net charge-offs (x) | 0.8948% | 3,944 |
| Efficiency ratio | 92.5498% | 725 |
| Assets per employee ($millions) | 5.9310% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8094% | 5,950 |
| Loan loss allowance to noncurrent loans | 36.8578% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 1.9992% | 1,608 |
| Noncurrent loans to loans | 2.1960% | 1,491 |
| Net loans and leases to total assets | 81.7026% | 493 |
| Net loans and leases to deposits | 107.0391% | 269 |
| Net loans and leases to core deposits | 111.7678% | 609 |
| Total domestic deposits to total assets | 76.3297% | 5,877 |
| Equity capital to assets | 9.2568% | 5,026 |
| Core capital (leverage) ratio | 8.9041% | 5,154 |
| Tier 1 risk-based capital ratio | 12.5841% | 5,172 |
| Total risk-based capital ratio | 13.5256% | 5,293 |
| Memoranda: | ||
| Average total assets | $1,970,849,000 | 370 |
| Average earning assets | $1,861,009,000 | 355 |
| Average equity | $181,434,330 | 433 |
| Average total loans | $1,610,260,670 | 305 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2160% | 5,981 |
| Cost of funding earning assets | 0.8871% | 485 |
| Net interest margin | 2.3289% | 6,460 |
| Noninterest income to average assets | 0.6624% | 2,388 |
| Noninterest expense to average assets | 2.7251% | 3,849 |
| Loan and lease loss provision to assets | 0.1059% | 2,155 |
| Net operating income to assets | 0.0206% | 6,183 |
| Return on assets (ROA) | 0.0454% | 6,160 |
| Pretax return on assets | 0.0676% | 6,127 |
| Return on Equity (ROE) | 0.4950% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.4950% | 5,387 |
| Net charge-offs to loans | 0.3530% | 1,013 |
| Credit loss provision to net charge-offs | 36.8644% | 2,333 |
| Earnings coverage of net charge-offs (x) | 0.4746% | 3,337 |
| Efficiency ratio | 94.9096% | 700 |
| Assets per employee ($millions) | 6.0161% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8520% | 5,997 |
| Loan loss allowance to noncurrent loans | 40.5936% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 1.8447% | 1,885 |
| Noncurrent loans to loans | 2.0990% | 1,758 |
| Net loans and leases to total assets | 79.9187% | 559 |
| Net loans and leases to deposits | 105.6989% | 241 |
| Net loans and leases to core deposits | 110.0781% | 586 |
| Total domestic deposits to total assets | 75.6098% | 6,109 |
| Equity capital to assets | 9.1283% | 4,972 |
| Core capital (leverage) ratio | 8.9320% | 5,097 |
| Tier 1 risk-based capital ratio | 12.7770% | 5,140 |
| Total risk-based capital ratio | 13.7712% | 5,236 |
| Memoranda: | ||
| Average total assets | $1,971,732,500 | 372 |
| Average earning assets | $1,861,800,000 | 358 |
| Average equity | $181,014,500 | 431 |
| Average total loans | $1,604,431,000 | 302 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2875% | 6,014 |
| Cost of funding earning assets | 0.8933% | 766 |
| Net interest margin | 2.3942% | 6,449 |
| Noninterest income to average assets | 0.7890% | 2,129 |
| Noninterest expense to average assets | 2.7538% | 3,894 |
| Loan and lease loss provision to assets | 0.1150% | 2,889 |
| Net operating income to assets | 0.3267% | 5,429 |
| Return on assets (ROA) | 0.3675% | 5,384 |
| Pretax return on assets | 0.2196% | 5,901 |
| Return on Equity (ROE) | 3.9554% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.9554% | 3,389 |
| Net charge-offs to loans | 0.3093% | 2,141 |
| Credit loss provision to net charge-offs | 45.0605% | 3,938 |
| Earnings coverage of net charge-offs (x) | 1.1512% | 4,689 |
| Efficiency ratio | 90.0493% | 1,021 |
| Assets per employee ($millions) | 5.9338% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 5,917 |
| Loan loss allowance to noncurrent loans | 42.7462% | 5,536 |
| Noncurrent assets plus other real estate owned to assets | 1.8810% | 1,936 |
| Noncurrent loans to loans | 2.1130% | 1,870 |
| Net loans and leases to total assets | 81.4064% | 457 |
| Net loans and leases to deposits | 112.3792% | 131 |
| Net loans and leases to core deposits | 117.3833% | 384 |
| Total domestic deposits to total assets | 72.4390% | 6,392 |
| Equity capital to assets | 9.2334% | 4,768 |
| Core capital (leverage) ratio | 9.0757% | 4,898 |
| Tier 1 risk-based capital ratio | 12.9670% | 4,993 |
| Total risk-based capital ratio | 14.0417% | 5,066 |
| Memoranda: | ||
| Average total assets | $1,943,964,500 | 361 |
| Average earning assets | $1,833,782,500 | 351 |
| Average equity | $180,612,000 | 424 |
| Average total loans | $1,603,551,000 | 297 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2949% | 6,068 |
| Cost of funding earning assets | 0.8903% | 854 |
| Net interest margin | 2.4046% | 6,511 |
| Noninterest income to average assets | 0.7983% | 2,157 |
| Noninterest expense to average assets | 2.8477% | 3,496 |
| Loan and lease loss provision to assets | 0.0670% | 3,713 |
| Net operating income to assets | 0.3803% | 5,332 |
| Return on assets (ROA) | 0.4351% | 5,238 |
| Pretax return on assets | 0.2073% | 6,027 |
| Return on Equity (ROE) | 4.6542% | 4,902 |
| Retained earnings to average equity (ytd only) | 4.6542% | 3,355 |
| Net charge-offs to loans | 0.3512% | 1,790 |
| Credit loss provision to net charge-offs | 23.0349% | 4,018 |
| Earnings coverage of net charge-offs (x) | 0.7542% | 4,598 |
| Efficiency ratio | 92.5326% | 818 |
| Assets per employee ($millions) | 5.7778% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 6,115 |
| Loan loss allowance to noncurrent loans | 42.5526% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.8669% | 2,180 |
| Noncurrent loans to loans | 2.0601% | 2,182 |
| Net loans and leases to total assets | 82.1079% | 363 |
| Net loans and leases to deposits | 116.1154% | 97 |
| Net loans and leases to core deposits | 121.3576% | 301 |
| Total domestic deposits to total assets | 70.7123% | 6,565 |
| Equity capital to assets | 9.3493% | 4,741 |
| Core capital (leverage) ratio | 9.2610% | 4,733 |
| Tier 1 risk-based capital ratio | 13.0722% | 5,076 |
| Total risk-based capital ratio | 14.1192% | 5,152 |
| Memoranda: | ||
| Average total assets | $1,929,777,000 | 367 |
| Average earning assets | $1,820,827,000 | 353 |
| Average equity | $180,420,000 | 428 |
| Average total loans | $1,598,512,000 | 297 |