Home > LendingClub Bank > Performance and Condition Ratios
LendingClub Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4068% | 83 |
| Cost of funding earning assets | 3.3325% | 162 |
| Net interest margin | 6.0743% | 84 |
| Noninterest income to average assets | 2.5000% | 215 |
| Noninterest expense to average assets | 5.3717% | 208 |
| Loan and lease loss provision to assets | 2.2400% | 37 |
| Net operating income to assets | 0.4626% | 3,635 |
| Return on assets (ROA) | 0.4626% | 3,654 |
| Pretax return on assets | 0.6498% | 3,497 |
| Return on Equity (ROE) | 4.1400% | 3,703 |
| Retained earnings to average equity (ytd only) | -13.0624% | 4,305 |
| Net charge-offs to loans | 3.3974% | 52 |
| Credit loss provision to net charge-offs | 115.2464% | 1,180 |
| Earnings coverage of net charge-offs (x) | 1.5341% | 2,127 |
| Efficiency ratio | 64.6827% | 2,402 |
| Assets per employee ($millions) | 9.9457% | 811 |
| Cash dividends to net income (ytd only)* | 415.4894% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2583% | 85 |
| Loan loss allowance to noncurrent loans | 393.1811% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 1,252 |
| Noncurrent loans to loans | 1.0830% | 984 |
| Net loans and leases to total assets | 53.0800% | 3,407 |
| Net loans and leases to deposits | 60.8806% | 3,452 |
| Net loans and leases to core deposits | 67.8676% | 3,396 |
| Total domestic deposits to total assets | 87.1900% | 1,846 |
| Equity capital to assets | 11.1242% | 1,600 |
| Core capital (leverage) ratio | 10.3812% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9741% | 1,074 |
| Memoranda: | ||
| Average total assets | $10,406,341,000 | 158 |
| Average earning assets | $9,854,822,500 | 151 |
| Average equity | $1,162,608,000 | 159 |
| Average total loans | $5,759,970,500 | 193 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8989% | 78 |
| Cost of funding earning assets | 4.0925% | 60 |
| Net interest margin | 5.8064% | 133 |
| Noninterest income to average assets | 2.3800% | 218 |
| Noninterest expense to average assets | 5.3842% | 203 |
| Loan and lease loss provision to assets | 1.8400% | 33 |
| Net operating income to assets | 0.4916% | 3,499 |
| Return on assets (ROA) | 0.4924% | 3,511 |
| Pretax return on assets | 0.6249% | 3,420 |
| Return on Equity (ROE) | 4.3800% | 3,639 |
| Retained earnings to average equity (ytd only) | 4.3782% | 2,486 |
| Net charge-offs to loans | 4.3918% | 49 |
| Credit loss provision to net charge-offs | 70.4303% | 2,198 |
| Earnings coverage of net charge-offs (x) | 0.9582% | 2,949 |
| Efficiency ratio | 68.1283% | 2,238 |
| Assets per employee ($millions) | 10.4378% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0919% | 95 |
| Loan loss allowance to noncurrent loans | 305.0342% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 1,001 |
| Noncurrent loans to loans | 1.3415% | 739 |
| Net loans and leases to total assets | 53.0000% | 3,466 |
| Net loans and leases to deposits | 60.8618% | 3,493 |
| Net loans and leases to core deposits | 70.7377% | 3,323 |
| Total domestic deposits to total assets | 87.0800% | 1,841 |
| Equity capital to assets | 11.2194% | 1,492 |
| Core capital (leverage) ratio | 10.2966% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4182% | 980 |
| Memoranda: | ||
| Average total assets | $9,682,360,800 | 168 |
| Average earning assets | $9,119,591,800 | 155 |
| Average equity | $1,088,973,800 | 165 |
| Average total loans | $5,671,579,800 | 194 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9049% | 81 |
| Cost of funding earning assets | 4.1117% | 66 |
| Net interest margin | 5.7932% | 136 |
| Noninterest income to average assets | 2.2400% | 222 |
| Noninterest expense to average assets | 5.3840% | 196 |
| Loan and lease loss provision to assets | 1.6200% | 42 |
| Net operating income to assets | 0.5324% | 3,389 |
| Return on assets (ROA) | 0.5336% | 3,406 |
| Pretax return on assets | 0.6912% | 3,286 |
| Return on Equity (ROE) | 4.7400% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.7413% | 2,560 |
| Net charge-offs to loans | 4.7988% | 41 |
| Credit loss provision to net charge-offs | 55.7753% | 2,015 |
| Earnings coverage of net charge-offs (x) | 0.8079% | 2,710 |
| Efficiency ratio | 69.5155% | 2,077 |
| Assets per employee ($millions) | 10.8266% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5350% | 116 |
| Loan loss allowance to noncurrent loans | 312.3384% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.6510% | 1,100 |
| Noncurrent loans to loans | 1.1318% | 879 |
| Net loans and leases to total assets | 55.4800% | 3,304 |
| Net loans and leases to deposits | 63.1424% | 3,415 |
| Net loans and leases to core deposits | 76.3427% | 3,046 |
| Total domestic deposits to total assets | 87.8700% | 1,283 |
| Equity capital to assets | 10.5101% | 1,972 |
| Core capital (leverage) ratio | 10.3074% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7953% | 1,335 |
| Memoranda: | ||
| Average total assets | $9,485,674,500 | 170 |
| Average earning assets | $8,917,924,500 | 163 |
| Average equity | $1,067,573,750 | 168 |
| Average total loans | $5,643,125,750 | 192 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9988% | 81 |
| Cost of funding earning assets | 4.1406% | 54 |
| Net interest margin | 5.8582% | 133 |
| Noninterest income to average assets | 2.3100% | 219 |
| Noninterest expense to average assets | 5.6104% | 185 |
| Loan and lease loss provision to assets | 1.4900% | 39 |
| Net operating income to assets | 0.5169% | 3,388 |
| Return on assets (ROA) | 0.5169% | 3,414 |
| Pretax return on assets | 0.6843% | 3,264 |
| Return on Equity (ROE) | 4.4700% | 3,640 |
| Retained earnings to average equity (ytd only) | 4.4743% | 2,538 |
| Net charge-offs to loans | 5.4112% | 38 |
| Credit loss provision to net charge-offs | 44.6861% | 1,851 |
| Earnings coverage of net charge-offs (x) | 0.6679% | 2,515 |
| Efficiency ratio | 71.5045% | 1,917 |
| Assets per employee ($millions) | 9.5198% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2785% | 93 |
| Loan loss allowance to noncurrent loans | 341.6501% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 943 |
| Noncurrent loans to loans | 1.2523% | 722 |
| Net loans and leases to total assets | 54.3400% | 3,386 |
| Net loans and leases to deposits | 62.3355% | 3,455 |
| Net loans and leases to core deposits | 70.3318% | 3,358 |
| Total domestic deposits to total assets | 87.1700% | 1,588 |
| Equity capital to assets | 11.2979% | 1,424 |
| Core capital (leverage) ratio | 10.5469% | 2,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8143% | 1,118 |
| Memoranda: | ||
| Average total assets | $9,031,482,333 | 176 |
| Average earning assets | $8,453,444,333 | 168 |
| Average equity | $1,043,379,333 | 169 |
| Average total loans | $5,444,329,333 | 197 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9201% | 80 |
| Cost of funding earning assets | 4.0746% | 61 |
| Net interest margin | 5.8455% | 134 |
| Noninterest income to average assets | 2.3600% | 213 |
| Noninterest expense to average assets | 5.7271% | 182 |
| Loan and lease loss provision to assets | 1.4500% | 47 |
| Net operating income to assets | 0.4883% | 3,423 |
| Return on assets (ROA) | 0.4883% | 3,449 |
| Pretax return on assets | 0.6552% | 3,265 |
| Return on Equity (ROE) | 4.1800% | 3,631 |
| Retained earnings to average equity (ytd only) | 4.1779% | 2,657 |
| Net charge-offs to loans | 5.8625% | 20 |
| Credit loss provision to net charge-offs | 36.3381% | 1,455 |
| Earnings coverage of net charge-offs (x) | 0.5765% | 2,104 |
| Efficiency ratio | 72.6029% | 1,889 |
| Assets per employee ($millions) | 9.0772% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7369% | 48 |
| Loan loss allowance to noncurrent loans | 559.2723% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 1,243 |
| Noncurrent loans to loans | 0.8470% | 1,044 |
| Net loans and leases to total assets | 57.5300% | 3,081 |
| Net loans and leases to deposits | 68.3011% | 3,030 |
| Net loans and leases to core deposits | 76.0422% | 2,976 |
| Total domestic deposits to total assets | 84.2300% | 2,646 |
| Equity capital to assets | 11.4962% | 1,308 |
| Core capital (leverage) ratio | 10.9541% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6427% | 1,149 |
| Memoranda: | ||
| Average total assets | $8,834,936,500 | 179 |
| Average earning assets | $8,258,235,500 | 171 |
| Average equity | $1,032,681,000 | 172 |
| Average total loans | $5,491,356,500 | 199 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7306% | 68 |
| Cost of funding earning assets | 3.4913% | 76 |
| Net interest margin | 7.2392% | 52 |
| Noninterest income to average assets | 3.4400% | 166 |
| Noninterest expense to average assets | 6.5727% | 156 |
| Loan and lease loss provision to assets | 2.9800% | 14 |
| Net operating income to assets | 0.4232% | 3,819 |
| Return on assets (ROA) | 0.4232% | 3,819 |
| Pretax return on assets | 0.6421% | 3,556 |
| Return on Equity (ROE) | 3.5500% | 3,948 |
| Retained earnings to average equity (ytd only) | 3.5520% | 3,104 |
| Net charge-offs to loans | 4.3623% | 21 |
| Credit loss provision to net charge-offs | 93.3093% | 1,921 |
| Earnings coverage of net charge-offs (x) | 1.1341% | 2,777 |
| Efficiency ratio | 63.9609% | 2,613 |
| Assets per employee ($millions) | 8.4008% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6312% | 36 |
| Loan loss allowance to noncurrent loans | 624.1067% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.5776% | 957 |
| Noncurrent loans to loans | 0.9023% | 833 |
| Net loans and leases to total assets | 60.4100% | 2,811 |
| Net loans and leases to deposits | 70.0401% | 2,888 |
| Net loans and leases to core deposits | 81.5720% | 2,614 |
| Total domestic deposits to total assets | 86.2500% | 1,929 |
| Equity capital to assets | 11.8910% | 1,167 |
| Core capital (leverage) ratio | 11.3873% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0601% | 1,072 |
| Memoranda: | ||
| Average total assets | $8,170,499,200 | 184 |
| Average earning assets | $7,625,098,400 | 177 |
| Average equity | $973,565,800 | 169 |
| Average total loans | $5,983,946,400 | 181 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8641% | 64 |
| Cost of funding earning assets | 3.3676% | 72 |
| Net interest margin | 7.4965% | 39 |
| Noninterest income to average assets | 3.8300% | 160 |
| Noninterest expense to average assets | 6.8330% | 150 |
| Loan and lease loss provision to assets | 3.3400% | 15 |
| Net operating income to assets | 0.4608% | 3,847 |
| Return on assets (ROA) | 0.4608% | 3,846 |
| Pretax return on assets | 0.6603% | 3,622 |
| Return on Equity (ROE) | 3.8600% | 4,000 |
| Retained earnings to average equity (ytd only) | 3.8647% | 3,295 |
| Net charge-offs to loans | 3.9008% | 24 |
| Credit loss provision to net charge-offs | 112.6834% | 1,531 |
| Earnings coverage of net charge-offs (x) | 1.3532% | 2,539 |
| Efficiency ratio | 62.6128% | 2,648 |
| Assets per employee ($millions) | 6.7550% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9238% | 30 |
| Loan loss allowance to noncurrent loans | 578.2124% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 763 |
| Noncurrent loans to loans | 1.0245% | 786 |
| Net loans and leases to total assets | 67.8200% | 2,064 |
| Net loans and leases to deposits | 78.6773% | 2,174 |
| Net loans and leases to core deposits | 89.5969% | 1,957 |
| Total domestic deposits to total assets | 86.2000% | 2,136 |
| Equity capital to assets | 12.0468% | 1,028 |
| Core capital (leverage) ratio | 11.8473% | 1,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4505% | 1,212 |
| Memoranda: | ||
| Average total assets | $8,060,414,250 | 187 |
| Average earning assets | $7,520,768,250 | 180 |
| Average equity | $960,977,500 | 170 |
| Average total loans | $6,101,964,250 | 177 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9264% | 62 |
| Cost of funding earning assets | 3.2188% | 59 |
| Net interest margin | 7.7076% | 37 |
| Noninterest income to average assets | 4.3800% | 135 |
| Noninterest expense to average assets | 7.2633% | 142 |
| Loan and lease loss provision to assets | 3.4200% | 13 |
| Net operating income to assets | 0.6534% | 3,450 |
| Return on assets (ROA) | 0.6534% | 3,452 |
| Pretax return on assets | 0.8952% | 3,173 |
| Return on Equity (ROE) | 5.5000% | 3,798 |
| Retained earnings to average equity (ytd only) | 5.5003% | 2,785 |
| Net charge-offs to loans | 3.5605% | 24 |
| Credit loss provision to net charge-offs | 124.8895% | 1,307 |
| Earnings coverage of net charge-offs (x) | 1.5771% | 2,361 |
| Efficiency ratio | 62.2369% | 2,686 |
| Assets per employee ($millions) | 6.1777% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7522% | 33 |
| Loan loss allowance to noncurrent loans | 497.2670% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 554 |
| Noncurrent loans to loans | 1.1568% | 610 |
| Net loans and leases to total assets | 72.2900% | 1,494 |
| Net loans and leases to deposits | 84.3703% | 1,635 |
| Net loans and leases to core deposits | 94.8989% | 1,530 |
| Total domestic deposits to total assets | 85.6900% | 2,332 |
| Equity capital to assets | 12.2376% | 987 |
| Core capital (leverage) ratio | 11.3170% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9618% | 1,326 |
| Memoranda: | ||
| Average total assets | $8,011,438,333 | 182 |
| Average earning assets | $7,483,760,000 | 177 |
| Average equity | $951,729,667 | 167 |
| Average total loans | $6,163,723,000 | 169 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6134% | 24 |
| Cost of funding earning assets | 2.8841% | 44 |
| Net interest margin | 7.7293% | 31 |
| Noninterest income to average assets | 4.6000% | 135 |
| Noninterest expense to average assets | 7.4262% | 144 |
| Loan and lease loss provision to assets | 3.5300% | 11 |
| Net operating income to assets | 0.6536% | 3,575 |
| Return on assets (ROA) | 0.6536% | 3,532 |
| Pretax return on assets | 0.8666% | 3,315 |
| Return on Equity (ROE) | 5.5900% | 3,789 |
| Retained earnings to average equity (ytd only) | 5.5868% | 2,869 |
| Net charge-offs to loans | 3.2375% | 28 |
| Credit loss provision to net charge-offs | 142.1406% | 971 |
| Earnings coverage of net charge-offs (x) | 1.7635% | 1,957 |
| Efficiency ratio | 62.3198% | 2,648 |
| Assets per employee ($millions) | 6.4428% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5670% | 31 |
| Loan loss allowance to noncurrent loans | 384.7716% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 1.0800% | 365 |
| Noncurrent loans to loans | 1.4468% | 456 |
| Net loans and leases to total assets | 70.4900% | 1,574 |
| Net loans and leases to deposits | 81.7194% | 1,679 |
| Net loans and leases to core deposits | 96.2200% | 1,273 |
| Total domestic deposits to total assets | 86.2600% | 2,520 |
| Equity capital to assets | 11.3686% | 1,198 |
| Core capital (leverage) ratio | 11.7449% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5918% | 1,469 |
| Memoranda: | ||
| Average total assets | $7,992,406,000 | 188 |
| Average earning assets | $7,475,000,000 | 184 |
| Average equity | $935,061,500 | 174 |
| Average total loans | $6,158,402,000 | 175 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8492% | 20 |
| Cost of funding earning assets | 1.1403% | 88 |
| Net interest margin | 8.7089% | 20 |
| Noninterest income to average assets | 11.9800% | 90 |
| Noninterest expense to average assets | 12.4712% | 96 |
| Loan and lease loss provision to assets | 4.6000% | 7 |
| Net operating income to assets | 2.1915% | 215 |
| Return on assets (ROA) | 2.1915% | 208 |
| Pretax return on assets | 2.9207% | 138 |
| Return on Equity (ROE) | 16.6900% | 922 |
| Retained earnings to average equity (ytd only) | 16.6856% | 192 |
| Net charge-offs to loans | 1.9028% | 32 |
| Credit loss provision to net charge-offs | 320.4660% | 884 |
| Earnings coverage of net charge-offs (x) | 5.2509% | 2,381 |
| Efficiency ratio | 61.9548% | 2,769 |
| Assets per employee ($millions) | 4.7886% | 3,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4188% | 31 |
| Loan loss allowance to noncurrent loans | 638.8138% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6762% | 725 |
| Noncurrent loans to loans | 0.8483% | 884 |
| Net loans and leases to total assets | 75.4000% | 1,075 |
| Net loans and leases to deposits | 89.1227% | 1,109 |
| Net loans and leases to core deposits | 109.7655% | 618 |
| Total domestic deposits to total assets | 84.6000% | 3,082 |
| Equity capital to assets | 12.0652% | 909 |
| Core capital (leverage) ratio | 12.5413% | 1,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0535% | 1,617 |
| Memoranda: | ||
| Average total assets | $5,807,792,600 | 248 |
| Average earning assets | $5,345,406,000 | 242 |
| Average equity | $762,795,400 | 202 |
| Average total loans | $4,373,353,800 | 214 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6859% | 18 |
| Cost of funding earning assets | 0.6817% | 293 |
| Net interest margin | 9.0042% | 19 |
| Noninterest income to average assets | 14.2800% | 86 |
| Noninterest expense to average assets | 13.7453% | 88 |
| Loan and lease loss provision to assets | 5.1200% | 4 |
| Net operating income to assets | 2.6966% | 130 |
| Return on assets (ROA) | 2.6966% | 126 |
| Pretax return on assets | 3.6691% | 100 |
| Return on Equity (ROE) | 19.9600% | 436 |
| Retained earnings to average equity (ytd only) | 19.9568% | 107 |
| Net charge-offs to loans | 1.5534% | 36 |
| Credit loss provision to net charge-offs | 444.7339% | 660 |
| Earnings coverage of net charge-offs (x) | 7.6708% | 2,068 |
| Efficiency ratio | 60.5989% | 3,038 |
| Assets per employee ($millions) | 3.9868% | 4,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1916% | 25 |
| Loan loss allowance to noncurrent loans | 948.8968% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.5073% | 1,082 |
| Noncurrent loans to loans | 0.6525% | 1,251 |
| Net loans and leases to total assets | 72.9300% | 1,186 |
| Net loans and leases to deposits | 88.5319% | 998 |
| Net loans and leases to core deposits | 104.7006% | 624 |
| Total domestic deposits to total assets | 82.3700% | 3,777 |
| Equity capital to assets | 12.9010% | 686 |
| Core capital (leverage) ratio | 13.3595% | 812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4557% | 1,297 |
| Memoranda: | ||
| Average total assets | $5,362,264,250 | 263 |
| Average earning assets | $4,915,945,250 | 262 |
| Average equity | $724,559,250 | 206 |
| Average total loans | $3,954,126,000 | 226 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5260% | 19 |
| Cost of funding earning assets | 0.4268% | 774 |
| Net interest margin | 9.0991% | 17 |
| Noninterest income to average assets | 15.6618% | 42 |
| Noninterest expense to average assets | 14.8553% | 47 |
| Loan and lease loss provision to assets | 4.8743% | 5 |
| Net operating income to assets | 3.0787% | 66 |
| Return on assets (ROA) | 3.0787% | 62 |
| Pretax return on assets | 4.2538% | 51 |
| Return on Equity (ROE) | 22.3638% | 185 |
| Retained earnings to average equity (ytd only) | 22.3638% | 48 |
| Net charge-offs to loans | 1.2863% | 46 |
| Credit loss provision to net charge-offs | 522.3452% | 615 |
| Earnings coverage of net charge-offs (x) | 9.8455% | 1,772 |
| Efficiency ratio | 61.5286% | 3,104 |
| Assets per employee ($millions) | 3.5592% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9079% | 28 |
| Loan loss allowance to noncurrent loans | 856.2478% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 1,135 |
| Noncurrent loans to loans | 0.6900% | 1,251 |
| Net loans and leases to total assets | 68.4167% | 1,444 |
| Net loans and leases to deposits | 84.3730% | 1,095 |
| Net loans and leases to core deposits | 107.4506% | 407 |
| Total domestic deposits to total assets | 81.0884% | 4,117 |
| Equity capital to assets | 13.4249% | 590 |
| Core capital (leverage) ratio | 13.4244% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0164% | 987 |
| Memoranda: | ||
| Average total assets | $5,049,969,667 | 269 |
| Average earning assets | $4,618,493,333 | 271 |
| Average equity | $695,194,667 | 212 |
| Average total loans | $3,639,839,667 | 239 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2546% | 20 |
| Cost of funding earning assets | 0.3378% | 1,308 |
| Net interest margin | 8.9168% | 19 |
| Noninterest income to average assets | 15.5438% | 42 |
| Noninterest expense to average assets | 15.0485% | 45 |
| Loan and lease loss provision to assets | 4.4278% | 4 |
| Net operating income to assets | 3.1359% | 71 |
| Return on assets (ROA) | 3.1359% | 69 |
| Pretax return on assets | 4.1778% | 57 |
| Return on Equity (ROE) | 22.4476% | 143 |
| Retained earnings to average equity (ytd only) | 22.4476% | 65 |
| Net charge-offs to loans | 1.0154% | 67 |
| Credit loss provision to net charge-offs | 604.9925% | 464 |
| Earnings coverage of net charge-offs (x) | 11.8213% | 1,431 |
| Efficiency ratio | 63.1574% | 3,124 |
| Assets per employee ($millions) | 3.4342% | 4,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2695% | 40 |
| Loan loss allowance to noncurrent loans | 680.0210% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5352% | 1,124 |
| Noncurrent loans to loans | 0.7749% | 1,230 |
| Net loans and leases to total assets | 65.4281% | 1,467 |
| Net loans and leases to deposits | 83.1944% | 938 |
| Net loans and leases to core deposits | 113.6718% | 193 |
| Total domestic deposits to total assets | 78.6449% | 4,367 |
| Equity capital to assets | 13.3805% | 625 |
| Core capital (leverage) ratio | 13.1869% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2964% | 1,189 |
| Memoranda: | ||
| Average total assets | $4,743,574,500 | 280 |
| Average earning assets | $4,314,524,000 | 280 |
| Average equity | $662,681,500 | 223 |
| Average total loans | $3,400,993,500 | 253 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5642% | 50 |
| Cost of funding earning assets | 0.2620% | 2,783 |
| Net interest margin | 6.3021% | 45 |
| Noninterest income to average assets | 16.0629% | 42 |
| Noninterest expense to average assets | 15.7687% | 41 |
| Loan and lease loss provision to assets | 4.0928% | 3 |
| Net operating income to assets | 2.2895% | 209 |
| Return on assets (ROA) | 2.2824% | 220 |
| Pretax return on assets | 2.0185% | 581 |
| Return on Equity (ROE) | 17.6378% | 503 |
| Retained earnings to average equity (ytd only) | 17.6378% | 102 |
| Net charge-offs to loans | 0.3642% | 232 |
| Credit loss provision to net charge-offs | 1,565.6115% | 368 |
| Earnings coverage of net charge-offs (x) | 23.6085% | 1,770 |
| Efficiency ratio | 71.7118% | 1,541 |
| Assets per employee ($millions) | 3.1229% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4639% | 54 |
| Loan loss allowance to noncurrent loans | 408.5132% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 731 |
| Noncurrent loans to loans | 1.0927% | 886 |
| Net loans and leases to total assets | 71.4981% | 881 |
| Net loans and leases to deposits | 96.6611% | 292 |
| Net loans and leases to core deposits | 131.2588% | 99 |
| Total domestic deposits to total assets | 73.9679% | 4,586 |
| Equity capital to assets | 14.6747% | 544 |
| Core capital (leverage) ratio | 14.2800% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0071% | 1,041 |
| Memoranda: | ||
| Average total assets | $3,473,952,200 | 336 |
| Average earning assets | $3,210,462,800 | 331 |
| Average equity | $449,550,600 | 291 |
| Average total loans | $2,472,027,400 | 307 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6004% | 133 |
| Cost of funding earning assets | 0.2412% | 3,198 |
| Net interest margin | 5.3592% | 99 |
| Noninterest income to average assets | 15.9232% | 46 |
| Noninterest expense to average assets | 15.3191% | 44 |
| Loan and lease loss provision to assets | 3.9623% | 1 |
| Net operating income to assets | 1.9476% | 508 |
| Return on assets (ROA) | 1.9376% | 542 |
| Pretax return on assets | 1.6161% | 1,648 |
| Return on Equity (ROE) | 15.6687% | 1,008 |
| Retained earnings to average equity (ytd only) | 15.6687% | 322 |
| Net charge-offs to loans | 0.1967% | 431 |
| Credit loss provision to net charge-offs | 2,842.0083% | 248 |
| Earnings coverage of net charge-offs (x) | 40.6179% | 1,359 |
| Efficiency ratio | 72.9094% | 1,320 |
| Assets per employee ($millions) | 3.0782% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7533% | 81 |
| Loan loss allowance to noncurrent loans | 873.7466% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 2,279 |
| Noncurrent loans to loans | 0.4296% | 2,270 |
| Net loans and leases to total assets | 66.9103% | 1,440 |
| Net loans and leases to deposits | 92.2880% | 481 |
| Net loans and leases to core deposits | 97.1714% | 693 |
| Total domestic deposits to total assets | 72.5016% | 4,673 |
| Equity capital to assets | 13.8762% | 762 |
| Core capital (leverage) ratio | 14.0652% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3080% | 908 |
| Memoranda: | ||
| Average total assets | $3,261,927,500 | 353 |
| Average earning assets | $3,033,731,500 | 346 |
| Average equity | $403,376,000 | 315 |
| Average total loans | $2,281,390,500 | 329 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 770 |
| Cost of funding earning assets | 0.2288% | 3,473 |
| Net interest margin | 4.2369% | 549 |
| Noninterest income to average assets | 14.1509% | 50 |
| Noninterest expense to average assets | 14.1921% | 46 |
| Loan and lease loss provision to assets | 3.9132% | 1 |
| Net operating income to assets | 0.8335% | 3,413 |
| Return on assets (ROA) | 0.8207% | 3,515 |
| Pretax return on assets | -0.0120% | 4,784 |
| Return on Equity (ROE) | 7.0170% | 3,652 |
| Retained earnings to average equity (ytd only) | 7.0170% | 2,426 |
| Net charge-offs to loans | -0.0106% | 3,690 |
| Credit loss provision to net charge-offs | -52,258.0357% | 4,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9512% | 913 |
| Assets per employee ($millions) | 2.7660% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8388% | 182 |
| Loan loss allowance to noncurrent loans | 417.7304% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 1,647 |
| Noncurrent loans to loans | 0.6796% | 1,723 |
| Net loans and leases to total assets | 72.4520% | 912 |
| Net loans and leases to deposits | 95.7324% | 389 |
| Net loans and leases to core deposits | 104.1963% | 529 |
| Total domestic deposits to total assets | 75.6818% | 4,580 |
| Equity capital to assets | 14.7410% | 572 |
| Core capital (leverage) ratio | 13.4811% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9349% | 816 |
| Memoranda: | ||
| Average total assets | $3,011,257,000 | 375 |
| Average earning assets | $2,813,510,667 | 370 |
| Average equity | $352,174,333 | 351 |
| Average total loans | $2,111,695,667 | 352 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6015% | 4,571 |
| Cost of funding earning assets | 0.1854% | 4,041 |
| Net interest margin | 2.4161% | 4,398 |
| Noninterest income to average assets | 7.8939% | 87 |
| Noninterest expense to average assets | 10.6415% | 63 |
| Loan and lease loss provision to assets | 3.3774% | 5 |
| Net operating income to assets | -3.8311% | 4,964 |
| Return on assets (ROA) | -3.8655% | 4,964 |
| Pretax return on assets | -3.8687% | 4,963 |
| Return on Equity (ROE) | -39.0715% | 4,971 |
| Retained earnings to average equity (ytd only) | -39.0715% | 4,958 |
| Net charge-offs to loans | -0.0290% | 4,157 |
| Credit loss provision to net charge-offs | -16,944.6043% | 3,829 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.8432% | 150 |
| Assets per employee ($millions) | 2.7608% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 1,146 |
| Loan loss allowance to noncurrent loans | 302.7145% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 2,349 |
| Noncurrent loans to loans | 0.5485% | 2,216 |
| Net loans and leases to total assets | 65.0319% | 1,918 |
| Net loans and leases to deposits | 88.8123% | 779 |
| Net loans and leases to core deposits | 90.1223% | 1,224 |
| Total domestic deposits to total assets | 73.2239% | 4,695 |
| Equity capital to assets | 13.0224% | 909 |
| Core capital (leverage) ratio | 12.9043% | 863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0586% | 580 |
| Memoranda: | ||
| Average total assets | $2,837,936,500 | 393 |
| Average earning assets | $2,690,566,500 | 380 |
| Average equity | $280,767,500 | 410 |
| Average total loans | $1,915,570,500 | 374 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6540% | 3,686 |
| Cost of funding earning assets | 0.5435% | 2,651 |
| Net interest margin | 3.1105% | 3,605 |
| Noninterest income to average assets | 0.7612% | 1,652 |
| Noninterest expense to average assets | 2.7562% | 2,048 |
| Loan and lease loss provision to assets | 0.5883% | 347 |
| Net operating income to assets | 0.3397% | 4,378 |
| Return on assets (ROA) | 0.3514% | 4,414 |
| Pretax return on assets | 0.4355% | 4,366 |
| Return on Equity (ROE) | 5.3126% | 3,810 |
| Retained earnings to average equity (ytd only) | 5.3126% | 2,135 |
| Net charge-offs to loans | 0.4391% | 381 |
| Credit loss provision to net charge-offs | 176.0379% | 2,289 |
| Earnings coverage of net charge-offs (x) | 3.0204% | 3,119 |
| Efficiency ratio | 72.6223% | 1,615 |
| Assets per employee ($millions) | 13.7068% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 4,433 |
| Loan loss allowance to noncurrent loans | 108.7592% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 2,040 |
| Noncurrent loans to loans | 0.7320% | 1,873 |
| Net loans and leases to total assets | 68.8352% | 1,715 |
| Net loans and leases to deposits | 94.9911% | 602 |
| Net loans and leases to core deposits | 100.6468% | 874 |
| Total domestic deposits to total assets | 72.4649% | 4,693 |
| Equity capital to assets | 5.5759% | 4,985 |
| Core capital (leverage) ratio | 7.4121% | 4,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1420% | 2,887 |
| Memoranda: | ||
| Average total assets | $1,924,356,800 | 488 |
| Average earning assets | $1,858,717,800 | 473 |
| Average equity | $127,282,200 | 776 |
| Average total loans | $1,464,435,800 | 457 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 4,097 |
| Cost of funding earning assets | 0.6272% | 2,445 |
| Net interest margin | 2.9363% | 4,114 |
| Noninterest income to average assets | 0.8277% | 1,399 |
| Noninterest expense to average assets | 2.8032% | 1,958 |
| Loan and lease loss provision to assets | 0.4620% | 678 |
| Net operating income to assets | 0.3139% | 4,422 |
| Return on assets (ROA) | 0.3139% | 4,473 |
| Pretax return on assets | 0.3949% | 4,437 |
| Return on Equity (ROE) | 4.5129% | 4,027 |
| Retained earnings to average equity (ytd only) | 4.5129% | 2,793 |
| Net charge-offs to loans | 0.1649% | 893 |
| Credit loss provision to net charge-offs | 357.9338% | 1,586 |
| Earnings coverage of net charge-offs (x) | 6.6370% | 2,638 |
| Efficiency ratio | 75.9630% | 1,207 |
| Assets per employee ($millions) | 13.1720% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7146% | 4,550 |
| Loan loss allowance to noncurrent loans | 82.4564% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 0.7101% | 1,644 |
| Noncurrent loans to loans | 0.8666% | 1,715 |
| Net loans and leases to total assets | 81.3534% | 495 |
| Net loans and leases to deposits | 124.3034% | 82 |
| Net loans and leases to core deposits | 135.1305% | 191 |
| Total domestic deposits to total assets | 65.4474% | 4,861 |
| Equity capital to assets | 5.9581% | 5,008 |
| Core capital (leverage) ratio | 7.6299% | 4,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0869% | 2,903 |
| Memoranda: | ||
| Average total assets | $1,809,201,750 | 517 |
| Average earning assets | $1,745,189,750 | 492 |
| Average equity | $125,857,000 | 777 |
| Average total loans | $1,416,825,250 | 465 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,052 |
| Cost of funding earning assets | 0.7382% | 2,184 |
| Net interest margin | 2.9774% | 4,175 |
| Noninterest income to average assets | 0.7092% | 1,705 |
| Noninterest expense to average assets | 2.8848% | 1,868 |
| Loan and lease loss provision to assets | 0.4698% | 804 |
| Net operating income to assets | 0.1948% | 4,580 |
| Return on assets (ROA) | 0.1948% | 4,621 |
| Pretax return on assets | 0.2191% | 4,617 |
| Return on Equity (ROE) | 2.6370% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.6370% | 3,535 |
| Net charge-offs to loans | 0.0717% | 1,530 |
| Credit loss provision to net charge-offs | 853.9957% | 877 |
| Earnings coverage of net charge-offs (x) | 12.5227% | 2,047 |
| Efficiency ratio | 80.0366% | 894 |
| Assets per employee ($millions) | 13.3952% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6944% | 4,574 |
| Loan loss allowance to noncurrent loans | 61.5107% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 1,442 |
| Noncurrent loans to loans | 1.1289% | 1,395 |
| Net loans and leases to total assets | 75.7280% | 1,182 |
| Net loans and leases to deposits | 116.1095% | 126 |
| Net loans and leases to core deposits | 162.6287% | 75 |
| Total domestic deposits to total assets | 65.2212% | 4,898 |
| Equity capital to assets | 5.7273% | 5,044 |
| Core capital (leverage) ratio | 7.9739% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0031% | 2,967 |
| Memoranda: | ||
| Average total assets | $1,683,416,333 | 543 |
| Average earning assets | $1,619,617,000 | 519 |
| Average equity | $124,383,667 | 774 |
| Average total loans | $1,291,886,333 | 499 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 3,239 |
| Cost of funding earning assets | 1.0921% | 1,074 |
| Net interest margin | 3.0996% | 4,094 |
| Noninterest income to average assets | 0.7506% | 1,465 |
| Noninterest expense to average assets | 3.2414% | 1,335 |
| Loan and lease loss provision to assets | 0.4180% | 725 |
| Net operating income to assets | 0.0841% | 4,671 |
| Return on assets (ROA) | 0.0841% | 4,664 |
| Pretax return on assets | 0.0569% | 4,697 |
| Return on Equity (ROE) | 0.9666% | 4,635 |
| Retained earnings to average equity (ytd only) | 0.9666% | 3,747 |
| Net charge-offs to loans | 0.1017% | 1,075 |
| Credit loss provision to net charge-offs | 533.2130% | 849 |
| Earnings coverage of net charge-offs (x) | 6.0578% | 2,008 |
| Efficiency ratio | 86.4367% | 674 |
| Assets per employee ($millions) | 9.2671% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8601% | 4,245 |
| Loan loss allowance to noncurrent loans | 52.7328% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2521% | 966 |
| Noncurrent loans to loans | 1.6311% | 947 |
| Net loans and leases to total assets | 76.1055% | 1,284 |
| Net loans and leases to deposits | 91.9244% | 1,288 |
| Net loans and leases to core deposits | 114.7460% | 633 |
| Total domestic deposits to total assets | 82.7914% | 3,177 |
| Equity capital to assets | 8.5774% | 4,799 |
| Core capital (leverage) ratio | 8.4385% | 4,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5256% | 3,217 |
| Memoranda: | ||
| Average total assets | $1,413,325,000 | 601 |
| Average earning assets | $1,352,283,500 | 572 |
| Average equity | $122,899,500 | 776 |
| Average total loans | $1,089,998,000 | 552 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3100% | 3,515 |
| Cost of funding earning assets | 1.3295% | 705 |
| Net interest margin | 2.9805% | 4,540 |
| Noninterest income to average assets | 0.8072% | 1,429 |
| Noninterest expense to average assets | 2.8657% | 2,393 |
| Loan and lease loss provision to assets | 0.3348% | 470 |
| Net operating income to assets | 0.3808% | 4,629 |
| Return on assets (ROA) | 0.4676% | 4,513 |
| Pretax return on assets | 0.5711% | 4,463 |
| Return on Equity (ROE) | 5.1094% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.0578% | 3,493 |
| Net charge-offs to loans | 0.3781% | 525 |
| Credit loss provision to net charge-offs | 119.3626% | 2,118 |
| Earnings coverage of net charge-offs (x) | 2.8524% | 3,374 |
| Efficiency ratio | 77.3281% | 1,230 |
| Assets per employee ($millions) | 9.5223% | 411 |
| Cash dividends to net income (ytd only)* | 40.1542% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7689% | 4,395 |
| Loan loss allowance to noncurrent loans | 84.5479% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7048% | 1,835 |
| Noncurrent loans to loans | 0.9095% | 1,689 |
| Net loans and leases to total assets | 76.8961% | 1,275 |
| Net loans and leases to deposits | 89.7782% | 1,615 |
| Net loans and leases to core deposits | 112.0516% | 751 |
| Total domestic deposits to total assets | 85.6512% | 2,220 |
| Equity capital to assets | 8.9033% | 4,731 |
| Core capital (leverage) ratio | 8.7186% | 4,717 |
| Tier 1 risk-based capital ratio | 11.1596% | 4,798 |
| Total risk-based capital ratio | 11.9289% | 4,882 |
| Memoranda: | ||
| Average total assets | $1,331,403,200 | 607 |
| Average earning assets | $1,276,911,400 | 583 |
| Average equity | $121,854,000 | 750 |
| Average total loans | $987,526,800 | 582 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 3,432 |
| Cost of funding earning assets | 1.3349% | 709 |
| Net interest margin | 3.0404% | 4,574 |
| Noninterest income to average assets | 0.8124% | 1,383 |
| Noninterest expense to average assets | 2.8657% | 2,358 |
| Loan and lease loss provision to assets | 0.2963% | 502 |
| Net operating income to assets | 0.4632% | 4,597 |
| Return on assets (ROA) | 0.4975% | 4,570 |
| Pretax return on assets | 0.6091% | 4,524 |
| Return on Equity (ROE) | 5.3970% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.3970% | 2,678 |
| Net charge-offs to loans | 0.3292% | 523 |
| Credit loss provision to net charge-offs | 122.7864% | 1,919 |
| Earnings coverage of net charge-offs (x) | 3.5787% | 3,086 |
| Efficiency ratio | 76.0020% | 1,334 |
| Assets per employee ($millions) | 9.1624% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 4,397 |
| Loan loss allowance to noncurrent loans | 78.0131% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 1,796 |
| Noncurrent loans to loans | 1.0323% | 1,554 |
| Net loans and leases to total assets | 73.6113% | 1,895 |
| Net loans and leases to deposits | 83.6229% | 2,499 |
| Net loans and leases to core deposits | 101.8551% | 1,514 |
| Total domestic deposits to total assets | 88.0278% | 1,025 |
| Equity capital to assets | 9.3109% | 4,588 |
| Core capital (leverage) ratio | 9.1385% | 4,525 |
| Tier 1 risk-based capital ratio | 11.9639% | 4,431 |
| Total risk-based capital ratio | 12.7652% | 4,557 |
| Memoranda: | ||
| Average total assets | $1,316,690,500 | 614 |
| Average earning assets | $1,263,190,000 | 591 |
| Average equity | $121,373,000 | 751 |
| Average total loans | $965,074,750 | 597 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 3,331 |
| Cost of funding earning assets | 1.2968% | 743 |
| Net interest margin | 3.1032% | 4,527 |
| Noninterest income to average assets | 0.7725% | 1,432 |
| Noninterest expense to average assets | 2.8663% | 2,367 |
| Loan and lease loss provision to assets | 0.3696% | 340 |
| Net operating income to assets | 0.4248% | 4,689 |
| Return on assets (ROA) | 0.4248% | 4,712 |
| Pretax return on assets | 0.5101% | 4,686 |
| Return on Equity (ROE) | 4.6249% | 4,438 |
| Retained earnings to average equity (ytd only) | 4.6249% | 2,962 |
| Net charge-offs to loans | 0.5357% | 289 |
| Credit loss provision to net charge-offs | 94.5447% | 2,080 |
| Earnings coverage of net charge-offs (x) | 2.2504% | 2,957 |
| Efficiency ratio | 75.6676% | 1,439 |
| Assets per employee ($millions) | 8.7990% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 4,585 |
| Loan loss allowance to noncurrent loans | 53.3688% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 1,338 |
| Noncurrent loans to loans | 1.4232% | 1,085 |
| Net loans and leases to total assets | 72.0304% | 2,214 |
| Net loans and leases to deposits | 85.1979% | 2,348 |
| Net loans and leases to core deposits | 106.3135% | 1,228 |
| Total domestic deposits to total assets | 84.5448% | 2,668 |
| Equity capital to assets | 9.1792% | 4,672 |
| Core capital (leverage) ratio | 9.1922% | 4,468 |
| Tier 1 risk-based capital ratio | 12.0030% | 4,414 |
| Total risk-based capital ratio | 12.7535% | 4,579 |
| Memoranda: | ||
| Average total assets | $1,303,575,330 | 617 |
| Average earning assets | $1,249,082,670 | 595 |
| Average equity | $119,744,330 | 750 |
| Average total loans | $951,333,000 | 604 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3456% | 3,419 |
| Cost of funding earning assets | 1.2180% | 853 |
| Net interest margin | 3.1276% | 4,540 |
| Noninterest income to average assets | 0.7306% | 1,502 |
| Noninterest expense to average assets | 2.9779% | 2,055 |
| Loan and lease loss provision to assets | 0.0686% | 2,288 |
| Net operating income to assets | 0.5500% | 4,382 |
| Return on assets (ROA) | 0.5500% | 4,411 |
| Pretax return on assets | 0.6822% | 4,344 |
| Return on Equity (ROE) | 5.9849% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.9849% | 2,460 |
| Net charge-offs to loans | 0.2907% | 509 |
| Credit loss provision to net charge-offs | 32.2581% | 2,076 |
| Earnings coverage of net charge-offs (x) | 3.5293% | 2,395 |
| Efficiency ratio | 79.0011% | 1,157 |
| Assets per employee ($millions) | 8.7088% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7592% | 4,638 |
| Loan loss allowance to noncurrent loans | 55.7353% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 0.9750% | 1,438 |
| Noncurrent loans to loans | 1.3621% | 1,189 |
| Net loans and leases to total assets | 71.0396% | 2,320 |
| Net loans and leases to deposits | 85.4950% | 2,189 |
| Net loans and leases to core deposits | 108.0416% | 1,048 |
| Total domestic deposits to total assets | 83.0921% | 3,351 |
| Equity capital to assets | 9.1898% | 4,546 |
| Core capital (leverage) ratio | 9.2373% | 4,424 |
| Tier 1 risk-based capital ratio | 12.4668% | 4,192 |
| Total risk-based capital ratio | 13.2205% | 4,369 |
| Memoranda: | ||
| Average total assets | $1,282,238,500 | 625 |
| Average earning assets | $1,229,201,500 | 603 |
| Average equity | $117,829,000 | 757 |
| Average total loans | $938,434,500 | 616 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 3,349 |
| Cost of funding earning assets | 0.8601% | 1,262 |
| Net interest margin | 3.3719% | 4,071 |
| Noninterest income to average assets | 1.9986% | 269 |
| Noninterest expense to average assets | 3.6554% | 815 |
| Loan and lease loss provision to assets | 0.3538% | 427 |
| Net operating income to assets | 0.9088% | 3,410 |
| Return on assets (ROA) | 0.8455% | 3,621 |
| Pretax return on assets | 1.1308% | 3,165 |
| Return on Equity (ROE) | 9.3239% | 2,825 |
| Retained earnings to average equity (ytd only) | 9.3239% | 775 |
| Net charge-offs to loans | 0.3778% | 502 |
| Credit loss provision to net charge-offs | 128.9222% | 2,048 |
| Earnings coverage of net charge-offs (x) | 5.7024% | 3,162 |
| Efficiency ratio | 69.3741% | 2,312 |
| Assets per employee ($millions) | 8.3322% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8029% | 4,526 |
| Loan loss allowance to noncurrent loans | 62.8251% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 1,427 |
| Noncurrent loans to loans | 1.2779% | 1,242 |
| Net loans and leases to total assets | 74.2518% | 1,898 |
| Net loans and leases to deposits | 85.2407% | 2,381 |
| Net loans and leases to core deposits | 107.6080% | 1,150 |
| Total domestic deposits to total assets | 87.1084% | 1,732 |
| Equity capital to assets | 9.1888% | 4,416 |
| Core capital (leverage) ratio | 9.1262% | 4,537 |
| Tier 1 risk-based capital ratio | 12.2627% | 4,254 |
| Total risk-based capital ratio | 13.0671% | 4,433 |
| Memoranda: | ||
| Average total assets | $1,217,234,400 | 633 |
| Average earning assets | $1,162,937,600 | 614 |
| Average equity | $110,383,400 | 777 |
| Average total loans | $884,085,000 | 625 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 3,498 |
| Cost of funding earning assets | 0.7970% | 1,355 |
| Net interest margin | 3.3417% | 4,178 |
| Noninterest income to average assets | 2.3092% | 228 |
| Noninterest expense to average assets | 3.7633% | 695 |
| Loan and lease loss provision to assets | 0.3872% | 329 |
| Net operating income to assets | 1.0148% | 3,024 |
| Return on assets (ROA) | 1.0148% | 3,034 |
| Pretax return on assets | 1.3492% | 2,435 |
| Return on Equity (ROE) | 11.2297% | 2,076 |
| Retained earnings to average equity (ytd only) | 11.2297% | 601 |
| Net charge-offs to loans | 0.4894% | 323 |
| Credit loss provision to net charge-offs | 109.8058% | 2,113 |
| Earnings coverage of net charge-offs (x) | 4.9245% | 3,008 |
| Efficiency ratio | 67.8048% | 2,573 |
| Assets per employee ($millions) | 8.2936% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7336% | 4,803 |
| Loan loss allowance to noncurrent loans | 56.5349% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 1,549 |
| Noncurrent loans to loans | 1.2975% | 1,290 |
| Net loans and leases to total assets | 72.2519% | 2,293 |
| Net loans and leases to deposits | 83.5577% | 2,648 |
| Net loans and leases to core deposits | 105.0822% | 1,372 |
| Total domestic deposits to total assets | 86.4695% | 1,981 |
| Equity capital to assets | 8.6408% | 4,839 |
| Core capital (leverage) ratio | 9.2577% | 4,451 |
| Tier 1 risk-based capital ratio | 12.2601% | 4,345 |
| Total risk-based capital ratio | 13.0044% | 4,527 |
| Memoranda: | ||
| Average total assets | $1,207,003,750 | 638 |
| Average earning assets | $1,152,347,750 | 617 |
| Average equity | $109,076,750 | 784 |
| Average total loans | $869,665,000 | 635 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 3,398 |
| Cost of funding earning assets | 0.7337% | 1,449 |
| Net interest margin | 3.3813% | 4,012 |
| Noninterest income to average assets | 2.9387% | 167 |
| Noninterest expense to average assets | 3.9585% | 564 |
| Loan and lease loss provision to assets | 0.4434% | 262 |
| Net operating income to assets | 1.3094% | 1,737 |
| Return on assets (ROA) | 1.3094% | 1,732 |
| Pretax return on assets | 1.7625% | 1,065 |
| Return on Equity (ROE) | 14.2608% | 1,022 |
| Retained earnings to average equity (ytd only) | 14.2608% | 255 |
| Net charge-offs to loans | 0.5106% | 299 |
| Credit loss provision to net charge-offs | 120.9819% | 1,791 |
| Earnings coverage of net charge-offs (x) | 6.0185% | 2,663 |
| Efficiency ratio | 63.6446% | 3,367 |
| Assets per employee ($millions) | 7.6926% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7923% | 4,721 |
| Loan loss allowance to noncurrent loans | 63.1485% | 4,146 |
| Noncurrent assets plus other real estate owned to assets | 0.9012% | 1,668 |
| Noncurrent loans to loans | 1.2547% | 1,368 |
| Net loans and leases to total assets | 71.2541% | 2,399 |
| Net loans and leases to deposits | 87.6556% | 2,152 |
| Net loans and leases to core deposits | 130.4331% | 326 |
| Total domestic deposits to total assets | 81.2887% | 3,921 |
| Equity capital to assets | 9.0236% | 4,539 |
| Core capital (leverage) ratio | 9.5499% | 4,065 |
| Tier 1 risk-based capital ratio | 12.9502% | 3,918 |
| Total risk-based capital ratio | 13.7637% | 4,074 |
| Memoranda: | ||
| Average total assets | $1,178,069,670 | 651 |
| Average earning assets | $1,123,900,000 | 632 |
| Average equity | $108,170,670 | 787 |
| Average total loans | $845,651,000 | 652 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0505% | 3,416 |
| Cost of funding earning assets | 0.6668% | 1,619 |
| Net interest margin | 3.3836% | 3,936 |
| Noninterest income to average assets | 1.4612% | 442 |
| Noninterest expense to average assets | 3.7284% | 732 |
| Loan and lease loss provision to assets | 0.3178% | 400 |
| Net operating income to assets | 0.4980% | 4,699 |
| Return on assets (ROA) | 0.4980% | 4,705 |
| Pretax return on assets | 0.6384% | 4,596 |
| Return on Equity (ROE) | 5.3733% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.3733% | 3,003 |
| Net charge-offs to loans | 0.4555% | 332 |
| Credit loss provision to net charge-offs | 97.2281% | 1,617 |
| Earnings coverage of net charge-offs (x) | 2.9254% | 2,421 |
| Efficiency ratio | 78.8217% | 1,279 |
| Assets per employee ($millions) | 7.4873% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7711% | 4,858 |
| Loan loss allowance to noncurrent loans | 55.9349% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 1,540 |
| Noncurrent loans to loans | 1.3785% | 1,297 |
| Net loans and leases to total assets | 73.3136% | 1,979 |
| Net loans and leases to deposits | 87.0803% | 2,045 |
| Net loans and leases to core deposits | 132.0483% | 301 |
| Total domestic deposits to total assets | 84.1908% | 3,243 |
| Equity capital to assets | 9.1902% | 4,374 |
| Core capital (leverage) ratio | 9.4114% | 4,172 |
| Tier 1 risk-based capital ratio | 12.5850% | 4,186 |
| Total risk-based capital ratio | 13.3680% | 4,373 |
| Memoranda: | ||
| Average total assets | $1,147,853,500 | 672 |
| Average earning assets | $1,093,502,000 | 650 |
| Average equity | $106,377,500 | 800 |
| Average total loans | $823,711,000 | 671 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 2,893 |
| Cost of funding earning assets | 0.6238% | 1,442 |
| Net interest margin | 3.5239% | 3,453 |
| Noninterest income to average assets | 1.3697% | 558 |
| Noninterest expense to average assets | 3.5245% | 993 |
| Loan and lease loss provision to assets | 0.7683% | 155 |
| Net operating income to assets | 0.1888% | 5,134 |
| Return on assets (ROA) | 0.1888% | 5,148 |
| Pretax return on assets | 0.4393% | 5,028 |
| Return on Equity (ROE) | 2.0062% | 5,055 |
| Retained earnings to average equity (ytd only) | 2.0062% | 4,116 |
| Net charge-offs to loans | 0.5065% | 464 |
| Credit loss provision to net charge-offs | 192.2595% | 1,415 |
| Earnings coverage of net charge-offs (x) | 3.0219% | 3,660 |
| Efficiency ratio | 73.6382% | 1,957 |
| Assets per employee ($millions) | 7.5175% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8290% | 4,741 |
| Loan loss allowance to noncurrent loans | 56.7800% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.0165% | 1,509 |
| Noncurrent loans to loans | 1.4601% | 1,170 |
| Net loans and leases to total assets | 69.0422% | 2,678 |
| Net loans and leases to deposits | 82.6638% | 2,647 |
| Net loans and leases to core deposits | 119.4283% | 606 |
| Total domestic deposits to total assets | 83.5217% | 3,380 |
| Equity capital to assets | 9.3455% | 4,383 |
| Core capital (leverage) ratio | 9.4775% | 4,076 |
| Tier 1 risk-based capital ratio | 13.9533% | 3,390 |
| Total risk-based capital ratio | 14.8309% | 3,495 |
| Memoranda: | ||
| Average total assets | $1,037,805,400 | 713 |
| Average earning assets | $990,223,200 | 685 |
| Average equity | $97,646,000 | 845 |
| Average total loans | $818,754,000 | 643 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2565% | 2,407 |
| Cost of funding earning assets | 0.6144% | 1,434 |
| Net interest margin | 3.6421% | 2,991 |
| Noninterest income to average assets | 1.1123% | 821 |
| Noninterest expense to average assets | 3.4441% | 1,077 |
| Loan and lease loss provision to assets | 0.9382% | 110 |
| Net operating income to assets | 0.1425% | 5,406 |
| Return on assets (ROA) | 0.1425% | 5,413 |
| Pretax return on assets | 0.2011% | 5,387 |
| Return on Equity (ROE) | 1.5114% | 5,374 |
| Retained earnings to average equity (ytd only) | 1.5114% | 4,815 |
| Net charge-offs to loans | 0.4756% | 432 |
| Credit loss provision to net charge-offs | 242.0265% | 1,162 |
| Earnings coverage of net charge-offs (x) | 2.9391% | 3,404 |
| Efficiency ratio | 74.2516% | 1,858 |
| Assets per employee ($millions) | 7.1615% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 4,773 |
| Loan loss allowance to noncurrent loans | 45.6158% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.3805% | 1,137 |
| Noncurrent loans to loans | 1.8553% | 942 |
| Net loans and leases to total assets | 73.7782% | 1,950 |
| Net loans and leases to deposits | 88.5514% | 1,979 |
| Net loans and leases to core deposits | 123.0502% | 487 |
| Total domestic deposits to total assets | 83.3168% | 3,354 |
| Equity capital to assets | 9.6215% | 4,321 |
| Core capital (leverage) ratio | 9.9218% | 3,667 |
| Tier 1 risk-based capital ratio | 13.3921% | 3,772 |
| Total risk-based capital ratio | 14.2883% | 3,896 |
| Memoranda: | ||
| Average total assets | $1,011,592,750 | 729 |
| Average earning assets | $964,111,250 | 708 |
| Average equity | $95,360,750 | 864 |
| Average total loans | $824,565,000 | 637 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 2,416 |
| Cost of funding earning assets | 0.6074% | 1,399 |
| Net interest margin | 3.6077% | 3,005 |
| Noninterest income to average assets | 0.8302% | 1,469 |
| Noninterest expense to average assets | 3.4143% | 1,138 |
| Loan and lease loss provision to assets | 0.4162% | 311 |
| Net operating income to assets | 0.2986% | 5,225 |
| Return on assets (ROA) | 0.2986% | 5,245 |
| Pretax return on assets | 0.4395% | 5,097 |
| Return on Equity (ROE) | 3.1925% | 5,064 |
| Retained earnings to average equity (ytd only) | 3.1925% | 3,815 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9717% | 1,336 |
| Assets per employee ($millions) | 6.6931% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 5,437 |
| Loan loss allowance to noncurrent loans | 25.6518% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 1.8532% | 727 |
| Noncurrent loans to loans | 2.1935% | 737 |
| Net loans and leases to total assets | 83.0229% | 552 |
| Net loans and leases to deposits | 99.3861% | 781 |
| Net loans and leases to core deposits | 129.1312% | 324 |
| Total domestic deposits to total assets | 83.5358% | 3,390 |
| Equity capital to assets | 9.0425% | 4,858 |
| Core capital (leverage) ratio | 9.1251% | 4,582 |
| Tier 1 risk-based capital ratio | 11.1820% | 5,154 |
| Total risk-based capital ratio | 11.7788% | 5,375 |
| Memoranda: | ||
| Average total assets | $981,166,330 | 763 |
| Average earning assets | $935,497,000 | 731 |
| Average equity | $91,776,670 | 896 |
| Average total loans | $825,878,670 | 639 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0770% | 2,741 |
| Cost of funding earning assets | 0.5935% | 1,421 |
| Net interest margin | 3.4835% | 3,337 |
| Noninterest income to average assets | 0.8443% | 1,417 |
| Noninterest expense to average assets | 3.4516% | 1,114 |
| Loan and lease loss provision to assets | 0.2167% | 737 |
| Net operating income to assets | 0.3380% | 5,106 |
| Return on assets (ROA) | 0.3380% | 5,128 |
| Pretax return on assets | 0.5030% | 4,963 |
| Return on Equity (ROE) | 3.5489% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.5489% | 3,669 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7165% | 1,190 |
| Assets per employee ($millions) | 7.1543% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3971% | 5,687 |
| Loan loss allowance to noncurrent loans | 19.5739% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 1.7499% | 840 |
| Noncurrent loans to loans | 2.0288% | 874 |
| Net loans and leases to total assets | 84.7827% | 306 |
| Net loans and leases to deposits | 105.1890% | 353 |
| Net loans and leases to core deposits | 131.8526% | 238 |
| Total domestic deposits to total assets | 80.6003% | 4,503 |
| Equity capital to assets | 9.4349% | 4,354 |
| Core capital (leverage) ratio | 9.3767% | 4,254 |
| Tier 1 risk-based capital ratio | 11.6838% | 4,923 |
| Total risk-based capital ratio | 12.1147% | 5,302 |
| Memoranda: | ||
| Average total assets | $959,796,000 | 786 |
| Average earning assets | $916,664,500 | 751 |
| Average equity | $91,408,500 | 898 |
| Average total loans | $811,314,000 | 652 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5082% | 5,756 |
| Cost of funding earning assets | 0.3309% | 3,737 |
| Net interest margin | 2.1773% | 5,761 |
| Noninterest income to average assets | 1.2228% | 763 |
| Noninterest expense to average assets | 2.0323% | 5,130 |
| Loan and lease loss provision to assets | 0.3125% | 597 |
| Net operating income to assets | 0.6043% | 4,187 |
| Return on assets (ROA) | 0.6043% | 4,302 |
| Pretax return on assets | 0.9555% | 3,634 |
| Return on Equity (ROE) | 7.0076% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.0076% | 1,226 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5787% | 4,333 |
| Assets per employee ($millions) | 7.0642% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3304% | 5,781 |
| Loan loss allowance to noncurrent loans | 25.7859% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 1,681 |
| Noncurrent loans to loans | 1.2814% | 1,598 |
| Net loans and leases to total assets | 83.6451% | 418 |
| Net loans and leases to deposits | 104.9304% | 389 |
| Net loans and leases to core deposits | 123.6048% | 393 |
| Total domestic deposits to total assets | 79.7149% | 4,628 |
| Equity capital to assets | 9.6151% | 4,154 |
| Core capital (leverage) ratio | 10.0871% | 3,383 |
| Tier 1 risk-based capital ratio | 12.2661% | 4,526 |
| Total risk-based capital ratio | 12.6287% | 5,027 |
| Memoranda: | ||
| Average total assets | $839,883,600 | 863 |
| Average earning assets | $801,398,800 | 839 |
| Average equity | $72,421,000 | 1,092 |
| Average total loans | $690,443,200 | 728 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8986% | 5,917 |
| Cost of funding earning assets | 0.2495% | 4,608 |
| Net interest margin | 1.6491% | 5,910 |
| Noninterest income to average assets | 0.3681% | 4,142 |
| Noninterest expense to average assets | 1.4876% | 5,769 |
| Loan and lease loss provision to assets | 0.1492% | 1,572 |
| Net operating income to assets | 0.2002% | 5,463 |
| Return on assets (ROA) | 0.2002% | 5,527 |
| Pretax return on assets | 0.3048% | 5,455 |
| Return on Equity (ROE) | 2.4021% | 5,378 |
| Retained earnings to average equity (ytd only) | 2.4021% | 4,474 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6171% | 1,894 |
| Assets per employee ($millions) | 6.9111% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1301% | 5,911 |
| Loan loss allowance to noncurrent loans | 11.2221% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 0.9760% | 2,120 |
| Noncurrent loans to loans | 1.1594% | 1,933 |
| Net loans and leases to total assets | 82.1729% | 589 |
| Net loans and leases to deposits | 99.3490% | 749 |
| Net loans and leases to core deposits | 113.6378% | 739 |
| Total domestic deposits to total assets | 82.7113% | 3,705 |
| Equity capital to assets | 8.5599% | 5,499 |
| Core capital (leverage) ratio | 8.5103% | 5,352 |
| Tier 1 risk-based capital ratio | 11.1684% | 5,277 |
| Total risk-based capital ratio | 11.3181% | 5,722 |
| Memoranda: | ||
| Average total assets | $813,203,000 | 892 |
| Average earning assets | $775,914,500 | 865 |
| Average equity | $67,772,000 | 1,161 |
| Average total loans | $664,450,250 | 749 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7102% | 6,040 |
| Cost of funding earning assets | 0.0937% | 5,875 |
| Net interest margin | 0.6166% | 6,043 |
| Noninterest income to average assets | 0.0594% | 5,894 |
| Noninterest expense to average assets | 0.5232% | 6,039 |
| Loan and lease loss provision to assets | 0.0499% | 3,151 |
| Net operating income to assets | 0.0519% | 5,721 |
| Return on assets (ROA) | 0.0519% | 5,755 |
| Pretax return on assets | 0.0749% | 5,744 |
| Return on Equity (ROE) | 0.6293% | 5,740 |
| Retained earnings to average equity (ytd only) | 0.6293% | 5,120 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7322% | 1,411 |
| Assets per employee ($millions) | 7.5906% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0299% | 6,002 |
| Loan loss allowance to noncurrent loans | 1.7802% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 1,484 |
| Noncurrent loans to loans | 1.6807% | 1,264 |
| Net loans and leases to total assets | 80.0373% | 891 |
| Net loans and leases to deposits | 96.7553% | 992 |
| Net loans and leases to core deposits | 108.8140% | 994 |
| Total domestic deposits to total assets | 82.7214% | 3,753 |
| Equity capital to assets | 8.5985% | 5,536 |
| Core capital (leverage) ratio | 8.4243% | 5,427 |
| Tier 1 risk-based capital ratio | 11.5086% | 5,148 |
| Total risk-based capital ratio | 11.5476% | 5,678 |
| Memoranda: | ||
| Average total assets | $800,917,330 | 905 |
| Average earning assets | $764,534,670 | 876 |
| Average equity | $66,108,000 | 1,193 |
| Average total loans | $652,790,670 | 759 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7230% | 4,238 |
| Cost of funding earning assets | 0.7062% | 788 |
| Net interest margin | 3.0167% | 5,078 |
| Noninterest income to average assets | 0.2587% | 4,879 |
| Noninterest expense to average assets | 2.6539% | 3,562 |
| Loan and lease loss provision to assets | 0.0765% | 2,428 |
| Net operating income to assets | 0.2919% | 5,328 |
| Return on assets (ROA) | 0.2919% | 5,408 |
| Pretax return on assets | 0.4097% | 5,293 |
| Return on Equity (ROE) | 3.6165% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.6165% | 3,686 |
| Net charge-offs to loans | -0.1085% | 5,669 |
| Credit loss provision to net charge-offs | -85.7143% | 4,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5141% | 1,109 |
| Assets per employee ($millions) | 8.4051% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0942% | 4,087 |
| Loan loss allowance to noncurrent loans | 90.4106% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9926% | 2,226 |
| Noncurrent loans to loans | 1.2103% | 2,005 |
| Net loans and leases to total assets | 81.1126% | 670 |
| Net loans and leases to deposits | 97.7740% | 776 |
| Net loans and leases to core deposits | 107.9939% | 972 |
| Total domestic deposits to total assets | 82.9593% | 3,914 |
| Equity capital to assets | 8.0659% | 5,796 |
| Core capital (leverage) ratio | 7.9745% | 5,783 |
| Tier 1 risk-based capital ratio | 10.8522% | 5,578 |
| Total risk-based capital ratio | 12.0824% | 5,498 |
| Memoranda: | ||
| Average total assets | $783,895,000 | 921 |
| Average earning assets | $748,754,500 | 894 |
| Average equity | $63,265,000 | 1,239 |
| Average total loans | $644,945,500 | 769 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 4,132 |
| Cost of funding earning assets | 0.5764% | 1,536 |
| Net interest margin | 3.1950% | 4,643 |
| Noninterest income to average assets | 0.3053% | 4,702 |
| Noninterest expense to average assets | 2.6444% | 3,773 |
| Loan and lease loss provision to assets | 0.1753% | 1,301 |
| Net operating income to assets | 0.3794% | 5,110 |
| Return on assets (ROA) | 0.3794% | 5,198 |
| Pretax return on assets | 0.5364% | 5,026 |
| Return on Equity (ROE) | 4.6570% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.6570% | 2,673 |
| Net charge-offs to loans | 0.1190% | 2,181 |
| Credit loss provision to net charge-offs | 176.2735% | 1,539 |
| Earnings coverage of net charge-offs (x) | 7.1555% | 3,113 |
| Efficiency ratio | 78.7939% | 1,846 |
| Assets per employee ($millions) | 8.7383% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 4,291 |
| Loan loss allowance to noncurrent loans | 103.5037% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 2,568 |
| Noncurrent loans to loans | 1.0182% | 2,303 |
| Net loans and leases to total assets | 81.6733% | 626 |
| Net loans and leases to deposits | 99.2041% | 737 |
| Net loans and leases to core deposits | 107.5662% | 994 |
| Total domestic deposits to total assets | 82.3285% | 4,076 |
| Equity capital to assets | 8.0754% | 5,825 |
| Core capital (leverage) ratio | 7.9332% | 5,870 |
| Tier 1 risk-based capital ratio | 10.8198% | 5,615 |
| Total risk-based capital ratio | 12.0011% | 5,562 |
| Memoranda: | ||
| Average total assets | $750,039,400 | 919 |
| Average earning assets | $716,192,400 | 891 |
| Average equity | $61,112,800 | 1,240 |
| Average total loans | $627,042,400 | 745 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7586% | 4,227 |
| Cost of funding earning assets | 0.5523% | 1,782 |
| Net interest margin | 3.2063% | 4,645 |
| Noninterest income to average assets | 0.2611% | 5,071 |
| Noninterest expense to average assets | 2.5843% | 3,930 |
| Loan and lease loss provision to assets | 0.1821% | 1,142 |
| Net operating income to assets | 0.4087% | 5,132 |
| Return on assets (ROA) | 0.4087% | 5,223 |
| Pretax return on assets | 0.5582% | 5,075 |
| Return on Equity (ROE) | 5.0045% | 4,625 |
| Retained earnings to average equity (ytd only) | 5.0045% | 2,915 |
| Net charge-offs to loans | 0.0387% | 3,116 |
| Credit loss provision to net charge-offs | 560.7735% | 598 |
| Earnings coverage of net charge-offs (x) | 22.7953% | 1,760 |
| Efficiency ratio | 77.7334% | 1,981 |
| Assets per employee ($millions) | 9.5254% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 4,418 |
| Loan loss allowance to noncurrent loans | 114.4020% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 2,920 |
| Noncurrent loans to loans | 0.9282% | 2,652 |
| Net loans and leases to total assets | 83.8564% | 392 |
| Net loans and leases to deposits | 111.4106% | 225 |
| Net loans and leases to core deposits | 130.1066% | 275 |
| Total domestic deposits to total assets | 75.2679% | 5,598 |
| Equity capital to assets | 8.0084% | 5,950 |
| Core capital (leverage) ratio | 8.1366% | 5,819 |
| Tier 1 risk-based capital ratio | 10.5320% | 5,870 |
| Total risk-based capital ratio | 11.7377% | 5,821 |
| Memoranda: | ||
| Average total assets | $743,121,250 | 939 |
| Average earning assets | $710,040,000 | 898 |
| Average equity | $60,690,250 | 1,258 |
| Average total loans | $623,316,000 | 754 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 4,168 |
| Cost of funding earning assets | 0.5516% | 1,799 |
| Net interest margin | 3.2203% | 4,602 |
| Noninterest income to average assets | 0.3340% | 4,567 |
| Noninterest expense to average assets | 2.6295% | 3,819 |
| Loan and lease loss provision to assets | 0.1889% | 1,058 |
| Net operating income to assets | 0.4433% | 4,990 |
| Return on assets (ROA) | 0.4433% | 5,088 |
| Pretax return on assets | 0.5909% | 5,001 |
| Return on Equity (ROE) | 5.3904% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.3904% | 2,608 |
| Net charge-offs to loans | 0.0380% | 2,920 |
| Credit loss provision to net charge-offs | 594.8276% | 559 |
| Earnings coverage of net charge-offs (x) | 24.5517% | 1,558 |
| Efficiency ratio | 77.1282% | 2,182 |
| Assets per employee ($millions) | 8.9655% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 4,421 |
| Loan loss allowance to noncurrent loans | 141.9287% | 2,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 3,422 |
| Noncurrent loans to loans | 0.7632% | 3,207 |
| Net loans and leases to total assets | 83.0769% | 464 |
| Net loans and leases to deposits | 106.2330% | 370 |
| Net loans and leases to core deposits | 124.5385% | 363 |
| Total domestic deposits to total assets | 78.2025% | 5,233 |
| Equity capital to assets | 8.1508% | 5,912 |
| Core capital (leverage) ratio | 8.1800% | 5,802 |
| Tier 1 risk-based capital ratio | 10.8332% | 5,789 |
| Total risk-based capital ratio | 12.0607% | 5,738 |
| Memoranda: | ||
| Average total assets | $730,468,670 | 952 |
| Average earning assets | $697,577,670 | 920 |
| Average equity | $60,069,670 | 1,280 |
| Average total loans | $610,416,330 | 773 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8082% | 3,979 |
| Cost of funding earning assets | 0.5510% | 1,832 |
| Net interest margin | 3.2572% | 4,392 |
| Noninterest income to average assets | 0.3565% | 4,346 |
| Noninterest expense to average assets | 2.6693% | 3,700 |
| Loan and lease loss provision to assets | 0.1935% | 966 |
| Net operating income to assets | 0.4063% | 5,050 |
| Return on assets (ROA) | 0.4063% | 5,161 |
| Pretax return on assets | 0.6047% | 4,904 |
| Return on Equity (ROE) | 4.9182% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.9182% | 3,103 |
| Net charge-offs to loans | 0.0544% | 2,230 |
| Credit loss provision to net charge-offs | 426.8293% | 624 |
| Earnings coverage of net charge-offs (x) | 17.6098% | 1,517 |
| Efficiency ratio | 76.9807% | 2,345 |
| Assets per employee ($millions) | 8.4980% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 4,688 |
| Loan loss allowance to noncurrent loans | 172.9267% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.5175% | 3,952 |
| Noncurrent loans to loans | 0.6156% | 3,729 |
| Net loans and leases to total assets | 83.1711% | 365 |
| Net loans and leases to deposits | 111.1526% | 199 |
| Net loans and leases to core deposits | 124.1093% | 323 |
| Total domestic deposits to total assets | 74.8260% | 5,843 |
| Equity capital to assets | 8.3219% | 5,855 |
| Core capital (leverage) ratio | 8.1658% | 5,840 |
| Tier 1 risk-based capital ratio | 11.1969% | 5,714 |
| Total risk-based capital ratio | 12.4267% | 5,638 |
| Memoranda: | ||
| Average total assets | $723,635,500 | 958 |
| Average earning assets | $691,148,000 | 928 |
| Average equity | $59,778,000 | 1,286 |
| Average total loans | $603,137,500 | 775 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 4,317 |
| Cost of funding earning assets | 0.6236% | 1,582 |
| Net interest margin | 3.2263% | 4,843 |
| Noninterest income to average assets | 0.3379% | 4,691 |
| Noninterest expense to average assets | 3.0345% | 2,739 |
| Loan and lease loss provision to assets | 0.0029% | 4,543 |
| Net operating income to assets | 0.2548% | 5,647 |
| Return on assets (ROA) | 0.2548% | 5,705 |
| Pretax return on assets | 0.3563% | 5,592 |
| Return on Equity (ROE) | 3.0432% | 5,462 |
| Retained earnings to average equity (ytd only) | 3.0432% | 4,074 |
| Net charge-offs to loans | 0.1055% | 3,002 |
| Credit loss provision to net charge-offs | 3.3278% | 4,176 |
| Earnings coverage of net charge-offs (x) | 4.1714% | 3,715 |
| Efficiency ratio | 89.4179% | 885 |
| Assets per employee ($millions) | 8.5287% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 4,881 |
| Loan loss allowance to noncurrent loans | 199.5491% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4283% | 4,390 |
| Noncurrent loans to loans | 0.5183% | 4,114 |
| Net loans and leases to total assets | 81.7784% | 544 |
| Net loans and leases to deposits | 104.9363% | 402 |
| Net loans and leases to core deposits | 111.4620% | 714 |
| Total domestic deposits to total assets | 77.9315% | 5,448 |
| Equity capital to assets | 8.1999% | 5,962 |
| Core capital (leverage) ratio | 7.9950% | 6,009 |
| Tier 1 risk-based capital ratio | 11.7647% | 5,507 |
| Total risk-based capital ratio | 13.0149% | 5,422 |
| Memoranda: | ||
| Average total assets | $698,095,000 | 961 |
| Average earning assets | $661,197,000 | 933 |
| Average equity | $58,458,000 | 1,249 |
| Average total loans | $569,704,600 | 779 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,546 |
| Cost of funding earning assets | 0.6320% | 1,584 |
| Net interest margin | 3.1678% | 5,066 |
| Noninterest income to average assets | 0.4605% | 3,813 |
| Noninterest expense to average assets | 2.7473% | 3,644 |
| Loan and lease loss provision to assets | 0.0482% | 3,410 |
| Net operating income to assets | 0.4410% | 5,109 |
| Return on assets (ROA) | 0.4410% | 5,185 |
| Pretax return on assets | 0.6588% | 4,844 |
| Return on Equity (ROE) | 5.2382% | 4,607 |
| Retained earnings to average equity (ytd only) | 5.2382% | 2,926 |
| Net charge-offs to loans | 0.0607% | 3,342 |
| Credit loss provision to net charge-offs | 97.6563% | 2,285 |
| Earnings coverage of net charge-offs (x) | 14.3205% | 2,152 |
| Efficiency ratio | 79.5333% | 1,984 |
| Assets per employee ($millions) | 8.4285% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 4,348 |
| Loan loss allowance to noncurrent loans | 179.0796% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1051% | 2,740 |
| Noncurrent loans to loans | 0.6578% | 3,970 |
| Net loans and leases to total assets | 81.1936% | 586 |
| Net loans and leases to deposits | 98.3118% | 717 |
| Net loans and leases to core deposits | 103.0712% | 1,149 |
| Total domestic deposits to total assets | 82.5879% | 4,272 |
| Equity capital to assets | 8.5285% | 5,778 |
| Core capital (leverage) ratio | 8.3490% | 5,804 |
| Tier 1 risk-based capital ratio | 12.6717% | 5,054 |
| Total risk-based capital ratio | 13.9245% | 4,967 |
| Memoranda: | ||
| Average total assets | $691,384,250 | 979 |
| Average earning assets | $653,396,750 | 952 |
| Average equity | $58,211,500 | 1,261 |
| Average total loans | $562,371,000 | 787 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 4,655 |
| Cost of funding earning assets | 0.6475% | 1,529 |
| Net interest margin | 3.1126% | 5,220 |
| Noninterest income to average assets | 0.4699% | 3,715 |
| Noninterest expense to average assets | 2.6065% | 4,221 |
| Loan and lease loss provision to assets | 0.1162% | 2,102 |
| Net operating income to assets | 0.4574% | 4,985 |
| Return on assets (ROA) | 0.4574% | 5,058 |
| Pretax return on assets | 0.6874% | 4,684 |
| Return on Equity (ROE) | 5.4567% | 4,459 |
| Retained earnings to average equity (ytd only) | 5.4567% | 2,664 |
| Net charge-offs to loans | 0.0208% | 3,796 |
| Credit loss provision to net charge-offs | 689.6552% | 457 |
| Earnings coverage of net charge-offs (x) | 47.7069% | 941 |
| Efficiency ratio | 76.4350% | 2,546 |
| Assets per employee ($millions) | 8.4675% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,114 |
| Loan loss allowance to noncurrent loans | 147.0868% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 1.3432% | 2,438 |
| Noncurrent loans to loans | 0.8544% | 3,567 |
| Net loans and leases to total assets | 79.5917% | 732 |
| Net loans and leases to deposits | 93.6196% | 995 |
| Net loans and leases to core deposits | 99.1629% | 1,347 |
| Total domestic deposits to total assets | 85.0161% | 3,501 |
| Equity capital to assets | 8.3892% | 5,887 |
| Core capital (leverage) ratio | 8.0629% | 6,050 |
| Tier 1 risk-based capital ratio | 12.7582% | 5,062 |
| Total risk-based capital ratio | 14.0127% | 4,999 |
| Memoranda: | ||
| Average total assets | $688,656,000 | 979 |
| Average earning assets | $650,512,000 | 954 |
| Average equity | $57,727,670 | 1,265 |
| Average total loans | $558,236,000 | 785 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 4,457 |
| Cost of funding earning assets | 0.6585% | 1,527 |
| Net interest margin | 3.1495% | 5,091 |
| Noninterest income to average assets | 0.4736% | 3,608 |
| Noninterest expense to average assets | 2.5646% | 4,397 |
| Loan and lease loss provision to assets | 0.1174% | 2,013 |
| Net operating income to assets | 0.5059% | 4,662 |
| Return on assets (ROA) | 0.5059% | 4,747 |
| Pretax return on assets | 0.7641% | 4,255 |
| Return on Equity (ROE) | 6.0373% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.0373% | 2,520 |
| Net charge-offs to loans | -0.0144% | 5,192 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4210% | 3,066 |
| Assets per employee ($millions) | 8.6795% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,375 |
| Loan loss allowance to noncurrent loans | 163.4813% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 1.2789% | 2,728 |
| Noncurrent loans to loans | 0.7645% | 3,957 |
| Net loans and leases to total assets | 79.6237% | 591 |
| Net loans and leases to deposits | 93.7424% | 817 |
| Net loans and leases to core deposits | 100.8206% | 1,044 |
| Total domestic deposits to total assets | 84.9388% | 3,903 |
| Equity capital to assets | 8.3140% | 5,814 |
| Core capital (leverage) ratio | 8.0581% | 6,081 |
| Tier 1 risk-based capital ratio | 12.6771% | 5,204 |
| Total risk-based capital ratio | 13.9314% | 5,135 |
| Memoranda: | ||
| Average total assets | $681,581,000 | 997 |
| Average earning assets | $643,282,500 | 968 |
| Average equity | $57,111,500 | 1,273 |
| Average total loans | $554,107,000 | 789 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 4,377 |
| Cost of funding earning assets | 0.6410% | 2,289 |
| Net interest margin | 3.2815% | 4,732 |
| Noninterest income to average assets | 0.3531% | 4,785 |
| Noninterest expense to average assets | 2.8099% | 3,687 |
| Loan and lease loss provision to assets | 0.0552% | 4,038 |
| Net operating income to assets | 0.3615% | 5,291 |
| Return on assets (ROA) | 0.3615% | 5,406 |
| Pretax return on assets | 0.5764% | 4,947 |
| Return on Equity (ROE) | 4.0822% | 5,069 |
| Retained earnings to average equity (ytd only) | 3.1018% | 4,026 |
| Net charge-offs to loans | 0.2049% | 2,832 |
| Credit loss provision to net charge-offs | 34.0798% | 4,162 |
| Earnings coverage of net charge-offs (x) | 3.8968% | 3,722 |
| Efficiency ratio | 81.6456% | 1,925 |
| Assets per employee ($millions) | 9.1617% | 314 |
| Cash dividends to net income (ytd only)* | 24.0175% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 4,433 |
| Loan loss allowance to noncurrent loans | 154.1874% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 1.3600% | 2,712 |
| Noncurrent loans to loans | 0.8057% | 3,961 |
| Net loans and leases to total assets | 80.9701% | 497 |
| Net loans and leases to deposits | 104.2641% | 315 |
| Net loans and leases to core deposits | 112.8817% | 501 |
| Total domestic deposits to total assets | 77.6587% | 5,877 |
| Equity capital to assets | 8.4470% | 5,640 |
| Core capital (leverage) ratio | 8.1655% | 6,004 |
| Tier 1 risk-based capital ratio | 12.5230% | 5,271 |
| Total risk-based capital ratio | 13.7766% | 5,227 |
| Memoranda: | ||
| Average total assets | $633,548,000 | 1,057 |
| Average earning assets | $596,287,000 | 1,027 |
| Average equity | $56,096,600 | 1,273 |
| Average total loans | $501,135,000 | 850 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8665% | 4,616 |
| Cost of funding earning assets | 0.6628% | 2,235 |
| Net interest margin | 3.2036% | 4,990 |
| Noninterest income to average assets | 0.3404% | 4,971 |
| Noninterest expense to average assets | 2.8284% | 3,564 |
| Loan and lease loss provision to assets | 0.0747% | 3,562 |
| Net operating income to assets | 0.3240% | 5,523 |
| Return on assets (ROA) | 0.3240% | 5,644 |
| Pretax return on assets | 0.4514% | 5,496 |
| Return on Equity (ROE) | 3.6144% | 5,380 |
| Retained earnings to average equity (ytd only) | 3.6144% | 4,120 |
| Net charge-offs to loans | 0.1466% | 3,080 |
| Credit loss provision to net charge-offs | 65.0558% | 3,180 |
| Earnings coverage of net charge-offs (x) | 4.5817% | 3,404 |
| Efficiency ratio | 84.3173% | 1,558 |
| Assets per employee ($millions) | 8.6163% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,081 |
| Loan loss allowance to noncurrent loans | 155.5508% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 1.4125% | 2,840 |
| Noncurrent loans to loans | 0.8746% | 4,068 |
| Net loans and leases to total assets | 79.7800% | 572 |
| Net loans and leases to deposits | 105.6637% | 248 |
| Net loans and leases to core deposits | 110.1246% | 574 |
| Total domestic deposits to total assets | 75.5037% | 6,227 |
| Equity capital to assets | 8.5342% | 5,696 |
| Core capital (leverage) ratio | 8.1487% | 6,109 |
| Tier 1 risk-based capital ratio | 12.9334% | 5,167 |
| Total risk-based capital ratio | 14.1896% | 5,105 |
| Memoranda: | ||
| Average total assets | $624,733,500 | 1,073 |
| Average earning assets | $587,776,500 | 1,048 |
| Average equity | $55,997,250 | 1,286 |
| Average total loans | $489,332,500 | 870 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9020% | 4,466 |
| Cost of funding earning assets | 0.7055% | 2,028 |
| Net interest margin | 3.1965% | 4,963 |
| Noninterest income to average assets | 0.3883% | 4,609 |
| Noninterest expense to average assets | 2.8171% | 3,617 |
| Loan and lease loss provision to assets | 0.1144% | 2,900 |
| Net operating income to assets | 0.3338% | 5,473 |
| Return on assets (ROA) | 0.3338% | 5,635 |
| Pretax return on assets | 0.4619% | 5,490 |
| Return on Equity (ROE) | 3.6602% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.6602% | 3,982 |
| Net charge-offs to loans | -0.0557% | 6,303 |
| Credit loss provision to net charge-offs | -265.1515% | 5,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0171% | 1,754 |
| Assets per employee ($millions) | 8.0559% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6479% | 2,984 |
| Loan loss allowance to noncurrent loans | 72.7787% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.8254% | 2,375 |
| Noncurrent loans to loans | 2.2643% | 2,100 |
| Net loans and leases to total assets | 78.7287% | 669 |
| Net loans and leases to deposits | 98.5285% | 514 |
| Net loans and leases to core deposits | 104.3953% | 825 |
| Total domestic deposits to total assets | 79.9045% | 5,628 |
| Equity capital to assets | 9.1710% | 5,028 |
| Core capital (leverage) ratio | 8.6367% | 5,511 |
| Tier 1 risk-based capital ratio | 13.7687% | 4,588 |
| Total risk-based capital ratio | 15.0292% | 4,553 |
| Memoranda: | ||
| Average total assets | $611,827,330 | 1,097 |
| Average earning assets | $575,188,000 | 1,064 |
| Average equity | $55,789,670 | 1,294 |
| Average total loans | $473,576,000 | 894 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 4,662 |
| Cost of funding earning assets | 0.7385% | 1,934 |
| Net interest margin | 3.1082% | 5,231 |
| Noninterest income to average assets | 0.3054% | 5,252 |
| Noninterest expense to average assets | 2.7782% | 3,771 |
| Loan and lease loss provision to assets | 0.0975% | 3,060 |
| Net operating income to assets | 0.2852% | 5,612 |
| Return on assets (ROA) | 0.2852% | 5,732 |
| Pretax return on assets | 0.3502% | 5,720 |
| Return on Equity (ROE) | 3.1369% | 5,523 |
| Retained earnings to average equity (ytd only) | 3.1369% | 4,384 |
| Net charge-offs to loans | -0.0435% | 6,074 |
| Credit loss provision to net charge-offs | -294.1176% | 5,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1229% | 1,501 |
| Assets per employee ($millions) | 7.9879% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6244% | 3,298 |
| Loan loss allowance to noncurrent loans | 70.5478% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 2,588 |
| Noncurrent loans to loans | 2.3026% | 2,273 |
| Net loans and leases to total assets | 77.7261% | 646 |
| Net loans and leases to deposits | 97.7060% | 461 |
| Net loans and leases to core deposits | 103.5765% | 740 |
| Total domestic deposits to total assets | 79.5510% | 5,857 |
| Equity capital to assets | 9.3601% | 5,043 |
| Core capital (leverage) ratio | 8.6654% | 5,373 |
| Tier 1 risk-based capital ratio | 13.7707% | 4,675 |
| Total risk-based capital ratio | 15.0305% | 4,631 |
| Memoranda: | ||
| Average total assets | $615,646,500 | 1,100 |
| Average earning assets | $578,474,000 | 1,068 |
| Average equity | $55,979,500 | 1,305 |
| Average total loans | $468,544,000 | 904 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 5,174 |
| Cost of funding earning assets | 0.8710% | 2,133 |
| Net interest margin | 3.1721% | 5,638 |
| Noninterest income to average assets | 0.2319% | 5,787 |
| Noninterest expense to average assets | 2.8354% | 3,893 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2793% | 5,544 |
| Return on assets (ROA) | 0.2859% | 5,726 |
| Pretax return on assets | 0.3800% | 5,627 |
| Return on Equity (ROE) | 3.1154% | 5,510 |
| Retained earnings to average equity (ytd only) | 0.0269% | 5,821 |
| Net charge-offs to loans | 0.3016% | 3,141 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 1.8074% | 4,527 |
| Efficiency ratio | 88.4258% | 1,202 |
| Assets per employee ($millions) | 8.4293% | 412 |
| Cash dividends to net income (ytd only)* | 99.1354% | 496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 3,244 |
| Loan loss allowance to noncurrent loans | 95.1945% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2442% | 3,570 |
| Noncurrent loans to loans | 1.6962% | 3,076 |
| Net loans and leases to total assets | 72.1701% | 1,457 |
| Net loans and leases to deposits | 89.1125% | 1,153 |
| Net loans and leases to core deposits | 97.2208% | 1,207 |
| Total domestic deposits to total assets | 80.9876% | 5,414 |
| Equity capital to assets | 8.8395% | 5,699 |
| Core capital (leverage) ratio | 8.1525% | 6,039 |
| Tier 1 risk-based capital ratio | 14.1737% | 4,261 |
| Total risk-based capital ratio | 15.4337% | 4,216 |
| Memoranda: | ||
| Average total assets | $606,789,200 | 1,093 |
| Average earning assets | $569,020,800 | 1,060 |
| Average equity | $55,690,800 | 1,281 |
| Average total loans | $413,097,200 | 1,009 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0623% | 5,317 |
| Cost of funding earning assets | 0.9068% | 2,128 |
| Net interest margin | 3.1555% | 5,811 |
| Noninterest income to average assets | 0.2018% | 6,085 |
| Noninterest expense to average assets | 2.8436% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2522% | 5,776 |
| Return on assets (ROA) | 0.2616% | 5,935 |
| Pretax return on assets | 0.3271% | 5,901 |
| Return on Equity (ROE) | 2.8227% | 5,742 |
| Retained earnings to average equity (ytd only) | -1.2987% | 6,307 |
| Net charge-offs to loans | -0.1378% | 6,926 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0183% | 1,039 |
| Assets per employee ($millions) | 8.3901% | 415 |
| Cash dividends to net income (ytd only)* | 146.0102% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0964% | 1,912 |
| Loan loss allowance to noncurrent loans | 101.2396% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.4358% | 3,452 |
| Noncurrent loans to loans | 2.0708% | 2,772 |
| Net loans and leases to total assets | 67.8838% | 2,316 |
| Net loans and leases to deposits | 83.7204% | 1,899 |
| Net loans and leases to core deposits | 92.1444% | 1,767 |
| Total domestic deposits to total assets | 81.0840% | 5,326 |
| Equity capital to assets | 8.8474% | 5,984 |
| Core capital (leverage) ratio | 8.0973% | 6,231 |
| Tier 1 risk-based capital ratio | 14.6672% | 4,071 |
| Total risk-based capital ratio | 15.9344% | 4,024 |
| Memoranda: | ||
| Average total assets | $600,437,250 | 1,114 |
| Average earning assets | $562,690,000 | 1,083 |
| Average equity | $55,642,750 | 1,289 |
| Average total loans | $400,435,250 | 1,049 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1348% | 5,183 |
| Cost of funding earning assets | 0.9543% | 2,035 |
| Net interest margin | 3.1804% | 5,799 |
| Noninterest income to average assets | 0.1825% | 6,262 |
| Noninterest expense to average assets | 2.9318% | 3,507 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1985% | 5,921 |
| Return on assets (ROA) | 0.2133% | 6,066 |
| Pretax return on assets | 0.2447% | 6,067 |
| Return on Equity (ROE) | 2.2649% | 5,962 |
| Retained earnings to average equity (ytd only) | 2.2649% | 5,065 |
| Net charge-offs to loans | -0.2512% | 7,046 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7898% | 877 |
| Assets per employee ($millions) | 7.6878% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3687% | 1,461 |
| Loan loss allowance to noncurrent loans | 91.9984% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.7892% | 3,056 |
| Noncurrent loans to loans | 2.5747% | 2,338 |
| Net loans and leases to total assets | 65.9173% | 2,684 |
| Net loans and leases to deposits | 83.7187% | 1,893 |
| Net loans and leases to core deposits | 90.1870% | 1,963 |
| Total domestic deposits to total assets | 78.7366% | 6,007 |
| Equity capital to assets | 9.7351% | 4,711 |
| Core capital (leverage) ratio | 8.9061% | 5,037 |
| Tier 1 risk-based capital ratio | 15.0812% | 3,720 |
| Total risk-based capital ratio | 16.3494% | 3,668 |
| Memoranda: | ||
| Average total assets | $590,831,000 | 1,132 |
| Average earning assets | $553,067,330 | 1,101 |
| Average equity | $55,632,670 | 1,280 |
| Average total loans | $388,477,000 | 1,090 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 5,230 |
| Cost of funding earning assets | 0.9864% | 2,057 |
| Net interest margin | 3.1792% | 5,829 |
| Noninterest income to average assets | 0.1719% | 6,348 |
| Noninterest expense to average assets | 2.9922% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1646% | 6,082 |
| Return on assets (ROA) | 0.1699% | 6,204 |
| Pretax return on assets | 0.1626% | 6,269 |
| Return on Equity (ROE) | 1.8345% | 6,122 |
| Retained earnings to average equity (ytd only) | 1.8345% | 5,331 |
| Net charge-offs to loans | -0.9802% | 7,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0085% | 769 |
| Assets per employee ($millions) | 7.8447% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4967% | 1,363 |
| Loan loss allowance to noncurrent loans | 108.0804% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 1.6087% | 3,434 |
| Noncurrent loans to loans | 2.3100% | 2,797 |
| Net loans and leases to total assets | 64.2794% | 2,807 |
| Net loans and leases to deposits | 82.2368% | 1,907 |
| Net loans and leases to core deposits | 90.5007% | 1,799 |
| Total domestic deposits to total assets | 78.1638% | 6,243 |
| Equity capital to assets | 9.3971% | 4,962 |
| Core capital (leverage) ratio | 8.7038% | 5,289 |
| Tier 1 risk-based capital ratio | 15.1359% | 3,661 |
| Total risk-based capital ratio | 16.4061% | 3,610 |
| Memoranda: | ||
| Average total assets | $597,955,500 | 1,119 |
| Average earning assets | $560,016,500 | 1,095 |
| Average equity | $55,383,500 | 1,283 |
| Average total loans | $388,071,500 | 1,093 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 5,348 |
| Cost of funding earning assets | 1.2280% | 1,849 |
| Net interest margin | 3.1914% | 6,119 |
| Noninterest income to average assets | 0.1783% | 6,215 |
| Noninterest expense to average assets | 2.5353% | 5,335 |
| Loan and lease loss provision to assets | 0.3545% | 2,879 |
| Net operating income to assets | 0.1789% | 5,648 |
| Return on assets (ROA) | 0.1827% | 5,774 |
| Pretax return on assets | 0.2638% | 5,647 |
| Return on Equity (ROE) | 2.0550% | 5,638 |
| Retained earnings to average equity (ytd only) | 2.0145% | 4,779 |
| Net charge-offs to loans | 1.0528% | 1,647 |
| Credit loss provision to net charge-offs | 51.9024% | 5,384 |
| Earnings coverage of net charge-offs (x) | 0.8971% | 5,138 |
| Efficiency ratio | 80.5368% | 2,233 |
| Assets per employee ($millions) | 8.3227% | 418 |
| Cash dividends to net income (ytd only)* | 1.9678% | 4,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8188% | 2,811 |
| Loan loss allowance to noncurrent loans | 70.6907% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.7389% | 3,342 |
| Noncurrent loans to loans | 2.5730% | 2,552 |
| Net loans and leases to total assets | 62.7442% | 3,459 |
| Net loans and leases to deposits | 80.4861% | 2,430 |
| Net loans and leases to core deposits | 89.0332% | 2,245 |
| Total domestic deposits to total assets | 77.9565% | 6,201 |
| Equity capital to assets | 9.1315% | 5,371 |
| Core capital (leverage) ratio | 8.4772% | 5,606 |
| Tier 1 risk-based capital ratio | 14.2310% | 4,158 |
| Total risk-based capital ratio | 15.4897% | 4,112 |
| Memoranda: | ||
| Average total assets | $611,890,200 | 1,065 |
| Average earning assets | $569,367,600 | 1,039 |
| Average equity | $54,404,600 | 1,248 |
| Average total loans | $396,931,000 | 1,073 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 5,161 |
| Cost of funding earning assets | 1.2689% | 1,873 |
| Net interest margin | 3.2615% | 5,982 |
| Noninterest income to average assets | 0.1781% | 6,314 |
| Noninterest expense to average assets | 2.5306% | 5,348 |
| Loan and lease loss provision to assets | 0.4011% | 2,444 |
| Net operating income to assets | 0.2352% | 5,604 |
| Return on assets (ROA) | 0.2395% | 5,732 |
| Pretax return on assets | 0.2812% | 5,744 |
| Return on Equity (ROE) | 2.7116% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.6574% | 4,764 |
| Net charge-offs to loans | 0.9839% | 1,641 |
| Credit loss provision to net charge-offs | 62.6146% | 4,722 |
| Earnings coverage of net charge-offs (x) | 1.0574% | 4,839 |
| Efficiency ratio | 78.8853% | 2,417 |
| Assets per employee ($millions) | 9.4851% | 291 |
| Cash dividends to net income (ytd only)* | 1.9980% | 3,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0910% | 2,085 |
| Loan loss allowance to noncurrent loans | 294.3501% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 5,751 |
| Noncurrent loans to loans | 0.7104% | 5,458 |
| Net loans and leases to total assets | 61.4843% | 3,855 |
| Net loans and leases to deposits | 83.1830% | 2,147 |
| Net loans and leases to core deposits | 92.2895% | 1,969 |
| Total domestic deposits to total assets | 73.9145% | 6,769 |
| Equity capital to assets | 9.1425% | 5,594 |
| Core capital (leverage) ratio | 8.5004% | 5,713 |
| Tier 1 risk-based capital ratio | 14.0172% | 4,342 |
| Total risk-based capital ratio | 15.2786% | 4,306 |
| Memoranda: | ||
| Average total assets | $612,973,000 | 1,069 |
| Average earning assets | $569,412,250 | 1,047 |
| Average equity | $54,136,000 | 1,257 |
| Average total loans | $399,096,250 | 1,077 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 4,975 |
| Cost of funding earning assets | 1.3130% | 1,864 |
| Net interest margin | 3.2844% | 5,905 |
| Noninterest income to average assets | 0.1737% | 6,420 |
| Noninterest expense to average assets | 2.5479% | 5,364 |
| Loan and lease loss provision to assets | 0.4254% | 2,307 |
| Net operating income to assets | 0.2195% | 5,668 |
| Return on assets (ROA) | 0.2195% | 5,786 |
| Pretax return on assets | 0.2488% | 5,809 |
| Return on Equity (ROE) | 2.5148% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.4329% | 4,740 |
| Net charge-offs to loans | 0.6453% | 2,232 |
| Credit loss provision to net charge-offs | 100.0765% | 3,108 |
| Earnings coverage of net charge-offs (x) | 1.5861% | 4,097 |
| Efficiency ratio | 79.0754% | 2,544 |
| Assets per employee ($millions) | 8.7291% | 358 |
| Cash dividends to net income (ytd only)* | 3.2593% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3288% | 1,703 |
| Loan loss allowance to noncurrent loans | 62.6329% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 2.3746% | 2,777 |
| Noncurrent loans to loans | 3.7182% | 1,889 |
| Net loans and leases to total assets | 61.3975% | 4,009 |
| Net loans and leases to deposits | 80.6105% | 2,685 |
| Net loans and leases to core deposits | 88.4869% | 2,571 |
| Total domestic deposits to total assets | 76.1657% | 6,573 |
| Equity capital to assets | 8.6873% | 5,955 |
| Core capital (leverage) ratio | 8.3657% | 5,759 |
| Tier 1 risk-based capital ratio | 13.5726% | 4,476 |
| Total risk-based capital ratio | 14.8367% | 4,445 |
| Memoranda: | ||
| Average total assets | $614,948,670 | 1,075 |
| Average earning assets | $570,753,000 | 1,054 |
| Average equity | $53,681,670 | 1,255 |
| Average total loans | $405,058,670 | 1,065 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7601% | 4,254 |
| Cost of funding earning assets | 1.3419% | 1,933 |
| Net interest margin | 3.4182% | 5,357 |
| Noninterest income to average assets | 0.1763% | 6,467 |
| Noninterest expense to average assets | 2.6075% | 5,194 |
| Loan and lease loss provision to assets | 0.4153% | 2,112 |
| Net operating income to assets | 0.2651% | 5,561 |
| Return on assets (ROA) | 0.2651% | 5,623 |
| Pretax return on assets | 0.3239% | 5,584 |
| Return on Equity (ROE) | 3.0297% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.0148% | 4,356 |
| Net charge-offs to loans | 0.6337% | 1,935 |
| Credit loss provision to net charge-offs | 97.2477% | 2,808 |
| Earnings coverage of net charge-offs (x) | 1.7309% | 3,443 |
| Efficiency ratio | 77.9122% | 2,857 |
| Assets per employee ($millions) | 8.2592% | 433 |
| Cash dividends to net income (ytd only)* | 0.4926% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2743% | 1,805 |
| Loan loss allowance to noncurrent loans | 60.6959% | 4,388 |
| Noncurrent assets plus other real estate owned to assets | 2.4407% | 2,785 |
| Noncurrent loans to loans | 3.7470% | 1,972 |
| Net loans and leases to total assets | 63.6554% | 3,512 |
| Net loans and leases to deposits | 84.1182% | 2,008 |
| Net loans and leases to core deposits | 91.1242% | 2,226 |
| Total domestic deposits to total assets | 75.6737% | 6,723 |
| Equity capital to assets | 8.7843% | 5,519 |
| Core capital (leverage) ratio | 8.4267% | 5,581 |
| Tier 1 risk-based capital ratio | 13.2571% | 4,612 |
| Total risk-based capital ratio | 14.7078% | 4,431 |
| Memoranda: | ||
| Average total assets | $612,540,000 | 1,087 |
| Average earning assets | $568,138,500 | 1,073 |
| Average equity | $53,602,000 | 1,248 |
| Average total loans | $412,791,000 | 1,051 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 2,979 |
| Cost of funding earning assets | 1.5637% | 2,279 |
| Net interest margin | 3.7658% | 4,080 |
| Noninterest income to average assets | 0.1051% | 6,871 |
| Noninterest expense to average assets | 2.6306% | 5,295 |
| Loan and lease loss provision to assets | 1.9620% | 674 |
| Net operating income to assets | -0.6261% | 6,464 |
| Return on assets (ROA) | -0.4536% | 6,383 |
| Pretax return on assets | -0.7506% | 6,487 |
| Return on Equity (ROE) | -5.0451% | 6,433 |
| Retained earnings to average equity (ytd only) | -5.0624% | 6,303 |
| Net charge-offs to loans | 3.3228% | 458 |
| Credit loss provision to net charge-offs | 78.5919% | 5,609 |
| Earnings coverage of net charge-offs (x) | 0.3773% | 5,731 |
| Efficiency ratio | 73.6341% | 3,468 |
| Assets per employee ($millions) | 8.2959% | 431 |
| Cash dividends to net income (ytd only)* | -0.3426% | 7,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1222% | 2,019 |
| Loan loss allowance to noncurrent loans | 54.3136% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 2.7208% | 2,564 |
| Noncurrent loans to loans | 3.9073% | 1,874 |
| Net loans and leases to total assets | 68.1556% | 2,948 |
| Net loans and leases to deposits | 90.5470% | 1,456 |
| Net loans and leases to core deposits | 97.3930% | 1,855 |
| Total domestic deposits to total assets | 75.2709% | 6,735 |
| Equity capital to assets | 8.7174% | 5,555 |
| Core capital (leverage) ratio | 8.3255% | 5,651 |
| Tier 1 risk-based capital ratio | 12.2640% | 5,243 |
| Total risk-based capital ratio | 13.7122% | 5,044 |
| Memoranda: | ||
| Average total assets | $643,466,600 | 1,039 |
| Average earning assets | $592,489,800 | 1,022 |
| Average equity | $57,857,800 | 1,150 |
| Average total loans | $483,449,600 | 929 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 3,075 |
| Cost of funding earning assets | 1.6298% | 2,216 |
| Net interest margin | 3.7306% | 4,261 |
| Noninterest income to average assets | 0.1284% | 6,913 |
| Noninterest expense to average assets | 2.6281% | 5,205 |
| Loan and lease loss provision to assets | 1.0501% | 1,404 |
| Net operating income to assets | -0.0662% | 6,134 |
| Return on assets (ROA) | 0.0930% | 5,932 |
| Pretax return on assets | 0.0391% | 6,024 |
| Return on Equity (ROE) | 1.0270% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.0043% | 5,411 |
| Net charge-offs to loans | 2.3187% | 763 |
| Credit loss provision to net charge-offs | 59.2533% | 5,713 |
| Earnings coverage of net charge-offs (x) | 0.5248% | 5,502 |
| Efficiency ratio | 73.8615% | 3,347 |
| Assets per employee ($millions) | 8.2985% | 453 |
| Cash dividends to net income (ytd only)* | 2.2021% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 2,486 |
| Loan loss allowance to noncurrent loans | 35.0851% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 4.2162% | 1,623 |
| Noncurrent loans to loans | 5.4141% | 1,239 |
| Net loans and leases to total assets | 73.5823% | 1,893 |
| Net loans and leases to deposits | 98.9512% | 728 |
| Net loans and leases to core deposits | 104.1716% | 1,468 |
| Total domestic deposits to total assets | 74.3622% | 6,880 |
| Equity capital to assets | 9.3554% | 5,045 |
| Core capital (leverage) ratio | 9.0415% | 4,617 |
| Tier 1 risk-based capital ratio | 12.6862% | 4,824 |
| Total risk-based capital ratio | 14.1186% | 4,667 |
| Memoranda: | ||
| Average total assets | $650,859,000 | 1,036 |
| Average earning assets | $598,346,250 | 1,020 |
| Average equity | $58,943,250 | 1,134 |
| Average total loans | $497,442,750 | 905 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4195% | 2,894 |
| Cost of funding earning assets | 1.7294% | 1,973 |
| Net interest margin | 3.6901% | 4,410 |
| Noninterest income to average assets | 0.1198% | 7,005 |
| Noninterest expense to average assets | 2.5572% | 5,496 |
| Loan and lease loss provision to assets | 1.1956% | 1,172 |
| Net operating income to assets | -0.0882% | 6,210 |
| Return on assets (ROA) | -0.0675% | 6,271 |
| Pretax return on assets | -0.2229% | 6,357 |
| Return on Equity (ROE) | -0.7535% | 6,291 |
| Retained earnings to average equity (ytd only) | -0.7875% | 5,923 |
| Net charge-offs to loans | 2.9638% | 540 |
| Credit loss provision to net charge-offs | 52.4693% | 5,365 |
| Earnings coverage of net charge-offs (x) | 0.4127% | 5,313 |
| Efficiency ratio | 73.1130% | 3,637 |
| Assets per employee ($millions) | 8.3657% | 432 |
| Cash dividends to net income (ytd only)* | -4.5045% | 7,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 2,576 |
| Loan loss allowance to noncurrent loans | 34.5040% | 6,067 |
| Noncurrent assets plus other real estate owned to assets | 4.4109% | 1,508 |
| Noncurrent loans to loans | 5.3529% | 1,248 |
| Net loans and leases to total assets | 74.8088% | 1,735 |
| Net loans and leases to deposits | 99.4965% | 765 |
| Net loans and leases to core deposits | 106.0581% | 1,438 |
| Total domestic deposits to total assets | 75.1874% | 6,829 |
| Equity capital to assets | 9.2570% | 5,062 |
| Core capital (leverage) ratio | 8.8696% | 4,804 |
| Tier 1 risk-based capital ratio | 11.8394% | 5,456 |
| Total risk-based capital ratio | 13.2607% | 5,266 |
| Memoranda: | ||
| Average total assets | $657,583,330 | 1,031 |
| Average earning assets | $601,934,000 | 1,021 |
| Average equity | $58,923,330 | 1,125 |
| Average total loans | $505,570,670 | 898 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 2,504 |
| Cost of funding earning assets | 1.6972% | 2,405 |
| Net interest margin | 3.8202% | 3,704 |
| Noninterest income to average assets | 0.1191% | 7,099 |
| Noninterest expense to average assets | 2.5305% | 5,614 |
| Loan and lease loss provision to assets | 0.7952% | 1,593 |
| Net operating income to assets | 0.2552% | 5,474 |
| Return on assets (ROA) | 0.3028% | 5,421 |
| Pretax return on assets | 0.4057% | 5,274 |
| Return on Equity (ROE) | 3.4330% | 5,152 |
| Retained earnings to average equity (ytd only) | 3.3991% | 4,120 |
| Net charge-offs to loans | 0.7805% | 1,958 |
| Credit loss provision to net charge-offs | 131.9762% | 2,675 |
| Earnings coverage of net charge-offs (x) | 1.8878% | 3,601 |
| Efficiency ratio | 68.9886% | 4,507 |
| Assets per employee ($millions) | 9.6635% | 296 |
| Cash dividends to net income (ytd only)* | 0.9881% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5152% | 1,274 |
| Loan loss allowance to noncurrent loans | 83.2955% | 3,288 |
| Noncurrent assets plus other real estate owned to assets | 2.6266% | 2,772 |
| Noncurrent loans to loans | 3.0196% | 2,654 |
| Net loans and leases to total assets | 74.6055% | 1,832 |
| Net loans and leases to deposits | 97.8035% | 923 |
| Net loans and leases to core deposits | 111.8278% | 1,174 |
| Total domestic deposits to total assets | 76.2810% | 6,709 |
| Equity capital to assets | 8.8743% | 5,440 |
| Core capital (leverage) ratio | 8.5614% | 5,274 |
| Tier 1 risk-based capital ratio | 11.4804% | 5,689 |
| Total risk-based capital ratio | 12.9033% | 5,486 |
| Memoranda: | ||
| Average total assets | $668,480,000 | 1,035 |
| Average earning assets | $621,010,000 | 1,007 |
| Average equity | $58,957,500 | 1,128 |
| Average total loans | $516,067,500 | 905 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5310% | 3,985 |
| Cost of funding earning assets | 2.1043% | 2,439 |
| Net interest margin | 3.4268% | 5,264 |
| Noninterest income to average assets | 0.0399% | 7,548 |
| Noninterest expense to average assets | 2.3509% | 6,600 |
| Loan and lease loss provision to assets | 1.6665% | 1,377 |
| Net operating income to assets | -0.3694% | 6,046 |
| Return on assets (ROA) | -0.3432% | 6,008 |
| Pretax return on assets | -0.7062% | 6,198 |
| Return on Equity (ROE) | -4.4291% | 6,153 |
| Retained earnings to average equity (ytd only) | -4.4863% | 5,943 |
| Net charge-offs to loans | 0.8339% | 2,742 |
| Credit loss provision to net charge-offs | 271.1432% | 1,276 |
| Earnings coverage of net charge-offs (x) | 1.4958% | 4,632 |
| Efficiency ratio | 71.8880% | 4,275 |
| Assets per employee ($millions) | 8.9357% | 361 |
| Cash dividends to net income (ytd only)* | -1.2931% | 7,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3977% | 1,351 |
| Loan loss allowance to noncurrent loans | 84.5977% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 2.4528% | 2,838 |
| Noncurrent loans to loans | 2.8342% | 2,718 |
| Net loans and leases to total assets | 75.9995% | 1,796 |
| Net loans and leases to deposits | 96.7387% | 1,236 |
| Net loans and leases to core deposits | 113.0352% | 2,596 |
| Total domestic deposits to total assets | 78.5617% | 6,104 |
| Equity capital to assets | 8.7653% | 5,490 |
| Core capital (leverage) ratio | 8.4439% | 5,370 |
| Tier 1 risk-based capital ratio | 10.9356% | 5,976 |
| Total risk-based capital ratio | 12.3505% | 5,778 |
| Memoranda: | ||
| Average total assets | $676,031,200 | 1,019 |
| Average earning assets | $637,277,400 | 979 |
| Average equity | $52,381,400 | 1,265 |
| Average total loans | $498,234,400 | 960 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4947% | 4,441 |
| Cost of funding earning assets | 2.1796% | 2,502 |
| Net interest margin | 3.3150% | 5,582 |
| Noninterest income to average assets | 0.1781% | 6,946 |
| Noninterest expense to average assets | 2.2707% | 6,780 |
| Loan and lease loss provision to assets | 0.9155% | 2,095 |
| Net operating income to assets | 0.1456% | 5,333 |
| Return on assets (ROA) | 0.1527% | 5,367 |
| Pretax return on assets | 0.1328% | 5,454 |
| Return on Equity (ROE) | 2.0371% | 5,147 |
| Retained earnings to average equity (ytd only) | 1.9951% | 4,209 |
| Net charge-offs to loans | 0.4550% | 3,412 |
| Credit loss provision to net charge-offs | 276.9048% | 1,519 |
| Earnings coverage of net charge-offs (x) | 3.1494% | 3,662 |
| Efficiency ratio | 68.5602% | 4,872 |
| Assets per employee ($millions) | 8.8516% | 384 |
| Cash dividends to net income (ytd only)* | 2.0616% | 3,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5997% | 2,990 |
| Loan loss allowance to noncurrent loans | 57.5889% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.1901% | 3,108 |
| Noncurrent loans to loans | 2.7778% | 2,735 |
| Net loans and leases to total assets | 74.6054% | 2,338 |
| Net loans and leases to deposits | 92.8220% | 2,091 |
| Net loans and leases to core deposits | 106.2764% | 3,673 |
| Total domestic deposits to total assets | 80.3747% | 5,301 |
| Equity capital to assets | 7.5520% | 7,261 |
| Core capital (leverage) ratio | 7.2934% | 7,194 |
| Tier 1 risk-based capital ratio | 9.6328% | 7,288 |
| Total risk-based capital ratio | 11.0359% | 7,116 |
| Memoranda: | ||
| Average total assets | $677,494,500 | 1,021 |
| Average earning assets | $640,459,250 | 988 |
| Average equity | $50,791,000 | 1,334 |
| Average total loans | $492,332,000 | 997 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3323% | 5,490 |
| Cost of funding earning assets | 2.2279% | 2,672 |
| Net interest margin | 3.1044% | 6,223 |
| Noninterest income to average assets | 0.1892% | 6,940 |
| Noninterest expense to average assets | 2.2389% | 6,950 |
| Loan and lease loss provision to assets | 1.3099% | 1,310 |
| Net operating income to assets | -0.1803% | 6,155 |
| Return on assets (ROA) | -0.1803% | 6,181 |
| Pretax return on assets | -0.4281% | 6,353 |
| Return on Equity (ROE) | -2.4116% | 6,286 |
| Retained earnings to average equity (ytd only) | -2.4751% | 5,856 |
| Net charge-offs to loans | 0.5519% | 2,673 |
| Credit loss provision to net charge-offs | 331.5038% | 1,405 |
| Earnings coverage of net charge-offs (x) | 2.2316% | 3,952 |
| Efficiency ratio | 71.7441% | 4,469 |
| Assets per employee ($millions) | 9.8647% | 272 |
| Cash dividends to net income (ytd only)* | -2.6359% | 7,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 2,586 |
| Loan loss allowance to noncurrent loans | 58.6202% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.9295% | 3,303 |
| Noncurrent loans to loans | 2.7925% | 2,581 |
| Net loans and leases to total assets | 67.9665% | 4,157 |
| Net loans and leases to deposits | 81.6712% | 4,276 |
| Net loans and leases to core deposits | 95.1353% | 4,994 |
| Total domestic deposits to total assets | 83.2196% | 4,140 |
| Equity capital to assets | 6.6305% | 7,774 |
| Core capital (leverage) ratio | 6.4327% | 7,827 |
| Tier 1 risk-based capital ratio | 9.1910% | 7,598 |
| Total risk-based capital ratio | 10.5936% | 7,500 |
| Memoranda: | ||
| Average total assets | $673,184,000 | 1,047 |
| Average earning assets | $635,671,670 | 1,013 |
| Average equity | $50,341,000 | 1,360 |
| Average total loans | $481,953,000 | 1,044 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2725% | 6,016 |
| Cost of funding earning assets | 2.2498% | 2,918 |
| Net interest margin | 3.0227% | 6,418 |
| Noninterest income to average assets | 0.1751% | 7,055 |
| Noninterest expense to average assets | 2.2390% | 6,725 |
| Loan and lease loss provision to assets | 0.3843% | 3,020 |
| Net operating income to assets | 0.3043% | 5,281 |
| Return on assets (ROA) | 0.3043% | 5,453 |
| Pretax return on assets | 0.3950% | 5,409 |
| Return on Equity (ROE) | 3.8139% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.7508% | 3,818 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1808% | 3,793 |
| Assets per employee ($millions) | 9.8386% | 276 |
| Cash dividends to net income (ytd only)* | 1.6563% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 4,641 |
| Loan loss allowance to noncurrent loans | 81.6465% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.0843% | 4,518 |
| Noncurrent loans to loans | 1.4979% | 4,042 |
| Net loans and leases to total assets | 71.5043% | 3,354 |
| Net loans and leases to deposits | 89.9196% | 2,943 |
| Net loans and leases to core deposits | 112.8374% | 3,126 |
| Total domestic deposits to total assets | 79.5202% | 5,537 |
| Equity capital to assets | 7.5976% | 7,264 |
| Core capital (leverage) ratio | 7.4519% | 7,211 |
| Tier 1 risk-based capital ratio | 10.5959% | 6,296 |
| Total risk-based capital ratio | 11.9577% | 6,087 |
| Memoranda: | ||
| Average total assets | $634,918,500 | 1,127 |
| Average earning assets | $597,215,500 | 1,079 |
| Average equity | $50,656,500 | 1,354 |
| Average total loans | $463,912,000 | 1,082 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9042% | 6,015 |
| Cost of funding earning assets | 2.7166% | 3,083 |
| Net interest margin | 3.1876% | 6,399 |
| Noninterest income to average assets | 0.0911% | 7,679 |
| Noninterest expense to average assets | 2.1278% | 7,164 |
| Loan and lease loss provision to assets | 0.2861% | 4,095 |
| Net operating income to assets | 0.4677% | 4,877 |
| Return on assets (ROA) | 0.4678% | 4,695 |
| Pretax return on assets | 0.7249% | 4,314 |
| Return on Equity (ROE) | 5.1862% | 4,289 |
| Retained earnings to average equity (ytd only) | 4.5312% | 2,303 |
| Net charge-offs to loans | 0.0033% | 6,964 |
| Credit loss provision to net charge-offs | 11,284.6154% | 54 |
| Earnings coverage of net charge-offs (x) | 398.6923% | 127 |
| Efficiency ratio | 67.7955% | 4,756 |
| Assets per employee ($millions) | 8.9542% | 351 |
| Cash dividends to net income (ytd only)* | 12.6303% | 4,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 4,250 |
| Loan loss allowance to noncurrent loans | 1,136.8421% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 7,246 |
| Noncurrent loans to loans | 0.1088% | 7,087 |
| Net loans and leases to total assets | 72.9301% | 3,376 |
| Net loans and leases to deposits | 100.7155% | 1,753 |
| Net loans and leases to core deposits | 120.0935% | 2,678 |
| Total domestic deposits to total assets | 72.4120% | 6,925 |
| Equity capital to assets | 8.4159% | 6,227 |
| Core capital (leverage) ratio | 8.2689% | 6,012 |
| Tier 1 risk-based capital ratio | 11.8433% | 4,949 |
| Total risk-based capital ratio | 13.2348% | 4,723 |
| Memoranda: | ||
| Average total assets | $512,781,600 | 1,315 |
| Average earning assets | $490,247,600 | 1,254 |
| Average equity | $46,257,000 | 1,471 |
| Average total loans | $391,371,600 | 1,239 |