Home > Merrick Bank > Performance and Condition Ratios
Merrick Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.6626% | 50 |
| Cost of funding earning assets | 2.4636% | 395 |
| Net interest margin | 22.1989% | 11 |
| Noninterest income to average assets | 3.4700% | 165 |
| Noninterest expense to average assets | 6.7516% | 148 |
| Loan and lease loss provision to assets | 11.4800% | 1 |
| Net operating income to assets | 3.8116% | 108 |
| Return on assets (ROA) | 3.8116% | 109 |
| Pretax return on assets | 5.0626% | 89 |
| Return on Equity (ROE) | 19.1000% | 700 |
| Retained earnings to average equity (ytd only) | 8.4048% | 1,423 |
| Net charge-offs to loans | 14.7269% | 5 |
| Credit loss provision to net charge-offs | 93.9930% | 1,916 |
| Earnings coverage of net charge-offs (x) | 1.3546% | 2,761 |
| Efficiency ratio | 28.9889% | 4,499 |
| Assets per employee ($millions) | 12.1223% | 403 |
| Cash dividends to net income (ytd only)* | 56.0024% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.2853% | 9 |
| Loan loss allowance to noncurrent loans | 329.5510% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 4.6992% | 29 |
| Noncurrent loans to loans | 5.8520% | 34 |
| Net loans and leases to total assets | 64.8200% | 2,385 |
| Net loans and leases to deposits | 80.8981% | 2,037 |
| Net loans and leases to core deposits | 150.7782% | 196 |
| Total domestic deposits to total assets | 80.1200% | 3,442 |
| Equity capital to assets | 18.4921% | 325 |
| Core capital (leverage) ratio | 20.9657% | 232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1841% | 370 |
| Memoranda: | ||
| Average total assets | $5,809,095,200 | 248 |
| Average earning assets | $5,186,904,200 | 246 |
| Average equity | $1,159,091,600 | 151 |
| Average total loans | $4,816,088,200 | 208 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.6558% | 46 |
| Cost of funding earning assets | 2.3205% | 390 |
| Net interest margin | 22.3353% | 7 |
| Noninterest income to average assets | 3.5500% | 170 |
| Noninterest expense to average assets | 6.7426% | 152 |
| Loan and lease loss provision to assets | 10.4700% | 1 |
| Net operating income to assets | 4.8901% | 81 |
| Return on assets (ROA) | 4.8901% | 81 |
| Pretax return on assets | 6.4817% | 73 |
| Return on Equity (ROE) | 24.0300% | 435 |
| Retained earnings to average equity (ytd only) | 13.5817% | 729 |
| Net charge-offs to loans | 14.4318% | 6 |
| Credit loss provision to net charge-offs | 86.7636% | 1,715 |
| Earnings coverage of net charge-offs (x) | 1.4048% | 2,535 |
| Efficiency ratio | 28.4566% | 4,527 |
| Assets per employee ($millions) | 11.0471% | 493 |
| Cash dividends to net income (ytd only)* | 43.4776% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.0936% | 7 |
| Loan loss allowance to noncurrent loans | 349.3582% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 4.8091% | 29 |
| Noncurrent loans to loans | 5.4653% | 44 |
| Net loans and leases to total assets | 71.1900% | 1,671 |
| Net loans and leases to deposits | 91.8755% | 1,061 |
| Net loans and leases to core deposits | 167.0085% | 80 |
| Total domestic deposits to total assets | 77.4900% | 3,878 |
| Equity capital to assets | 20.9284% | 265 |
| Core capital (leverage) ratio | 21.6652% | 216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0615% | 317 |
| Memoranda: | ||
| Average total assets | $5,706,681,500 | 255 |
| Average earning assets | $5,147,740,750 | 252 |
| Average equity | $1,161,370,500 | 155 |
| Average total loans | $4,771,674,500 | 213 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.6673% | 44 |
| Cost of funding earning assets | 2.1812% | 351 |
| Net interest margin | 21.4862% | 9 |
| Noninterest income to average assets | 3.4800% | 162 |
| Noninterest expense to average assets | 6.6578% | 156 |
| Loan and lease loss provision to assets | 9.7300% | 1 |
| Net operating income to assets | 4.9354% | 72 |
| Return on assets (ROA) | 4.9354% | 74 |
| Pretax return on assets | 6.5511% | 66 |
| Return on Equity (ROE) | 24.4800% | 403 |
| Retained earnings to average equity (ytd only) | 15.5051% | 516 |
| Net charge-offs to loans | 15.3091% | 5 |
| Credit loss provision to net charge-offs | 77.3225% | 1,563 |
| Earnings coverage of net charge-offs (x) | 1.2938% | 2,371 |
| Efficiency ratio | 29.0239% | 4,547 |
| Assets per employee ($millions) | 10.9549% | 513 |
| Cash dividends to net income (ytd only)* | 36.6517% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.3781% | 10 |
| Loan loss allowance to noncurrent loans | 437.7290% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 3.8217% | 42 |
| Noncurrent loans to loans | 4.4270% | 70 |
| Net loans and leases to total assets | 69.6000% | 1,788 |
| Net loans and leases to deposits | 89.1655% | 1,249 |
| Net loans and leases to core deposits | 172.5591% | 71 |
| Total domestic deposits to total assets | 78.0600% | 3,843 |
| Equity capital to assets | 20.6679% | 266 |
| Core capital (leverage) ratio | 20.9029% | 227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7960% | 299 |
| Memoranda: | ||
| Average total assets | $5,749,306,000 | 248 |
| Average earning assets | $5,207,250,333 | 245 |
| Average equity | $1,159,308,333 | 152 |
| Average total loans | $4,725,907,000 | 209 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.2662% | 4 |
| Cost of funding earning assets | 2.0143% | 291 |
| Net interest margin | 21.2518% | 4 |
| Noninterest income to average assets | 3.2800% | 164 |
| Noninterest expense to average assets | 6.6268% | 157 |
| Loan and lease loss provision to assets | 10.1600% | 1 |
| Net operating income to assets | 4.2991% | 90 |
| Return on assets (ROA) | 4.2991% | 88 |
| Pretax return on assets | 5.7068% | 79 |
| Return on Equity (ROE) | 21.5700% | 616 |
| Retained earnings to average equity (ytd only) | 14.3845% | 891 |
| Net charge-offs to loans | 15.5724% | 7 |
| Credit loss provision to net charge-offs | 81.2906% | 1,210 |
| Earnings coverage of net charge-offs (x) | 1.2695% | 1,977 |
| Efficiency ratio | 29.4615% | 4,611 |
| Assets per employee ($millions) | 11.5529% | 448 |
| Cash dividends to net income (ytd only)* | 33.3243% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.8478% | 2 |
| Loan loss allowance to noncurrent loans | 375.1062% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 4.4475% | 21 |
| Noncurrent loans to loans | 5.5578% | 47 |
| Net loans and leases to total assets | 63.3400% | 2,316 |
| Net loans and leases to deposits | 79.0845% | 1,887 |
| Net loans and leases to core deposits | 159.2536% | 93 |
| Total domestic deposits to total assets | 80.0900% | 3,750 |
| Equity capital to assets | 18.7954% | 273 |
| Core capital (leverage) ratio | 20.4384% | 246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2165% | 304 |
| Memoranda: | ||
| Average total assets | $5,863,332,000 | 254 |
| Average earning assets | $5,300,791,500 | 249 |
| Average equity | $1,168,400,000 | 154 |
| Average total loans | $4,705,676,500 | 213 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.2448% | 4 |
| Cost of funding earning assets | 0.9611% | 193 |
| Net interest margin | 23.2837% | 3 |
| Noninterest income to average assets | 4.3900% | 139 |
| Noninterest expense to average assets | 7.5336% | 140 |
| Loan and lease loss provision to assets | 13.9700% | 1 |
| Net operating income to assets | 3.1581% | 102 |
| Return on assets (ROA) | 3.1581% | 101 |
| Pretax return on assets | 4.1478% | 86 |
| Return on Equity (ROE) | 13.0400% | 1,799 |
| Retained earnings to average equity (ytd only) | 5.3507% | 2,896 |
| Net charge-offs to loans | 9.4655% | 4 |
| Credit loss provision to net charge-offs | 166.3747% | 1,230 |
| Earnings coverage of net charge-offs (x) | 2.1579% | 2,518 |
| Efficiency ratio | 29.3739% | 4,659 |
| Assets per employee ($millions) | 11.7610% | 419 |
| Cash dividends to net income (ytd only)* | 58.9641% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.8296% | 3 |
| Loan loss allowance to noncurrent loans | 277.7938% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 4.5864% | 22 |
| Noncurrent loans to loans | 5.6983% | 43 |
| Net loans and leases to total assets | 67.7500% | 1,857 |
| Net loans and leases to deposits | 87.2526% | 1,228 |
| Net loans and leases to core deposits | 198.8658% | 27 |
| Total domestic deposits to total assets | 77.6400% | 4,123 |
| Equity capital to assets | 21.0435% | 204 |
| Core capital (leverage) ratio | 22.6484% | 191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1368% | 301 |
| Memoranda: | ||
| Average total assets | $4,994,245,000 | 273 |
| Average earning assets | $4,560,253,400 | 270 |
| Average equity | $1,209,616,000 | 147 |
| Average total loans | $4,428,982,400 | 213 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.0293% | 3 |
| Cost of funding earning assets | 0.7192% | 142 |
| Net interest margin | 22.3101% | 2 |
| Noninterest income to average assets | 4.6860% | 103 |
| Noninterest expense to average assets | 7.4882% | 99 |
| Loan and lease loss provision to assets | 12.5106% | 1 |
| Net operating income to assets | 3.9615% | 44 |
| Return on assets (ROA) | 3.9615% | 42 |
| Pretax return on assets | 5.2032% | 35 |
| Return on Equity (ROE) | 15.6036% | 773 |
| Retained earnings to average equity (ytd only) | 3.9203% | 3,111 |
| Net charge-offs to loans | 7.5307% | 5 |
| Credit loss provision to net charge-offs | 184.5843% | 1,008 |
| Earnings coverage of net charge-offs (x) | 2.6135% | 2,024 |
| Efficiency ratio | 29.7128% | 4,716 |
| Assets per employee ($millions) | 10.2390% | 617 |
| Cash dividends to net income (ytd only)* | 74.8759% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7198% | 5 |
| Loan loss allowance to noncurrent loans | 390.8742% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 3.2320% | 48 |
| Noncurrent loans to loans | 3.5100% | 121 |
| Net loans and leases to total assets | 79.4463% | 445 |
| Net loans and leases to deposits | 107.6565% | 108 |
| Net loans and leases to core deposits | 263.8305% | 21 |
| Total domestic deposits to total assets | 73.7962% | 4,542 |
| Equity capital to assets | 24.9485% | 95 |
| Core capital (leverage) ratio | 24.6075% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2215% | 267 |
| Memoranda: | ||
| Average total assets | $4,719,771,667 | 281 |
| Average earning assets | $4,340,229,667 | 279 |
| Average equity | $1,198,285,667 | 149 |
| Average total loans | $4,247,883,000 | 214 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.6123% | 3 |
| Cost of funding earning assets | 0.7040% | 148 |
| Net interest margin | 21.9083% | 3 |
| Noninterest income to average assets | 4.6268% | 107 |
| Noninterest expense to average assets | 7.4967% | 96 |
| Loan and lease loss provision to assets | 9.8924% | 1 |
| Net operating income to assets | 5.6871% | 34 |
| Return on assets (ROA) | 5.6871% | 32 |
| Pretax return on assets | 7.4591% | 30 |
| Return on Equity (ROE) | 22.2015% | 148 |
| Retained earnings to average equity (ytd only) | 9.1563% | 1,231 |
| Net charge-offs to loans | 6.6340% | 6 |
| Credit loss provision to net charge-offs | 167.6804% | 828 |
| Earnings coverage of net charge-offs (x) | 2.9412% | 1,686 |
| Efficiency ratio | 30.1699% | 4,740 |
| Assets per employee ($millions) | 10.0895% | 661 |
| Cash dividends to net income (ytd only)* | 58.7579% | 1,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3948% | 5 |
| Loan loss allowance to noncurrent loans | 367.7343% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 3.0768% | 62 |
| Noncurrent loans to loans | 3.3706% | 138 |
| Net loans and leases to total assets | 79.9681% | 241 |
| Net loans and leases to deposits | 111.6663% | 63 |
| Net loans and leases to core deposits | 259.0778% | 18 |
| Total domestic deposits to total assets | 71.6135% | 4,636 |
| Equity capital to assets | 26.2702% | 78 |
| Core capital (leverage) ratio | 24.4614% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2114% | 238 |
| Memoranda: | ||
| Average total assets | $4,668,373,500 | 284 |
| Average earning assets | $4,308,911,500 | 281 |
| Average equity | $1,195,848,500 | 154 |
| Average total loans | $4,151,527,500 | 216 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.0553% | 5 |
| Cost of funding earning assets | 0.9005% | 114 |
| Net interest margin | 19.1548% | 4 |
| Noninterest income to average assets | 4.2080% | 131 |
| Noninterest expense to average assets | 6.4665% | 114 |
| Loan and lease loss provision to assets | 3.5836% | 4 |
| Net operating income to assets | 9.0822% | 22 |
| Return on assets (ROA) | 9.0822% | 22 |
| Pretax return on assets | 11.9975% | 22 |
| Return on Equity (ROE) | 34.5724% | 45 |
| Retained earnings to average equity (ytd only) | 8.9447% | 1,220 |
| Net charge-offs to loans | 5.0773% | 5 |
| Credit loss provision to net charge-offs | 84.6954% | 1,920 |
| Earnings coverage of net charge-offs (x) | 3.6825% | 2,531 |
| Efficiency ratio | 29.3298% | 4,795 |
| Assets per employee ($millions) | 10.5243% | 575 |
| Cash dividends to net income (ytd only)* | 74.1276% | 621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5504% | 8 |
| Loan loss allowance to noncurrent loans | 422.4455% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 2.3690% | 120 |
| Noncurrent loans to loans | 2.7342% | 233 |
| Net loans and leases to total assets | 76.6348% | 471 |
| Net loans and leases to deposits | 104.5859% | 125 |
| Net loans and leases to core deposits | 263.9747% | 20 |
| Total domestic deposits to total assets | 73.2745% | 4,608 |
| Equity capital to assets | 24.9804% | 91 |
| Core capital (leverage) ratio | 24.4723% | 98 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.3387% | 231 |
| Memoranda: | ||
| Average total assets | $4,478,325,000 | 283 |
| Average earning assets | $4,170,868,200 | 276 |
| Average equity | $1,176,460,200 | 154 |
| Average total loans | $3,732,004,800 | 230 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.4830% | 5 |
| Cost of funding earning assets | 0.9561% | 104 |
| Net interest margin | 18.5270% | 4 |
| Noninterest income to average assets | 4.0749% | 136 |
| Noninterest expense to average assets | 6.2953% | 117 |
| Loan and lease loss provision to assets | 2.0044% | 8 |
| Net operating income to assets | 9.8689% | 21 |
| Return on assets (ROA) | 9.8689% | 21 |
| Pretax return on assets | 13.0417% | 21 |
| Return on Equity (ROE) | 37.0786% | 50 |
| Retained earnings to average equity (ytd only) | 19.6578% | 144 |
| Net charge-offs to loans | 5.2797% | 5 |
| Credit loss provision to net charge-offs | 46.0470% | 1,882 |
| Earnings coverage of net charge-offs (x) | 3.4565% | 2,310 |
| Efficiency ratio | 29.4982% | 4,863 |
| Assets per employee ($millions) | 10.4507% | 562 |
| Cash dividends to net income (ytd only)* | 46.9834% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.2622% | 7 |
| Loan loss allowance to noncurrent loans | 555.5193% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 247 |
| Noncurrent loans to loans | 2.0273% | 428 |
| Net loans and leases to total assets | 76.8776% | 481 |
| Net loans and leases to deposits | 110.3410% | 94 |
| Net loans and leases to core deposits | 246.9998% | 24 |
| Total domestic deposits to total assets | 69.6727% | 4,739 |
| Equity capital to assets | 28.6973% | 74 |
| Core capital (leverage) ratio | 27.2037% | 78 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5595% | 173 |
| Memoranda: | ||
| Average total assets | $4,413,922,250 | 286 |
| Average earning assets | $4,113,627,000 | 280 |
| Average equity | $1,174,811,500 | 154 |
| Average total loans | $3,639,174,750 | 236 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.5052% | 4 |
| Cost of funding earning assets | 1.0186% | 99 |
| Net interest margin | 17.4866% | 5 |
| Noninterest income to average assets | 3.7403% | 150 |
| Noninterest expense to average assets | 6.0185% | 125 |
| Loan and lease loss provision to assets | 0.2285% | 461 |
| Net operating income to assets | 10.4518% | 20 |
| Return on assets (ROA) | 10.4518% | 20 |
| Pretax return on assets | 13.8130% | 20 |
| Return on Equity (ROE) | 40.3015% | 41 |
| Retained earnings to average equity (ytd only) | 22.6423% | 100 |
| Net charge-offs to loans | 6.1153% | 5 |
| Credit loss provision to net charge-offs | 4.6094% | 1,787 |
| Earnings coverage of net charge-offs (x) | 2.8321% | 2,104 |
| Efficiency ratio | 30.0025% | 4,893 |
| Assets per employee ($millions) | 10.9010% | 472 |
| Cash dividends to net income (ytd only)* | 43.8176% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.1426% | 10 |
| Loan loss allowance to noncurrent loans | 603.7029% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 1.5162% | 369 |
| Noncurrent loans to loans | 1.8457% | 555 |
| Net loans and leases to total assets | 72.9944% | 854 |
| Net loans and leases to deposits | 102.6230% | 207 |
| Net loans and leases to core deposits | 237.3037% | 25 |
| Total domestic deposits to total assets | 71.1287% | 4,730 |
| Equity capital to assets | 27.7549% | 72 |
| Core capital (leverage) ratio | 25.5277% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8850% | 177 |
| Memoranda: | ||
| Average total assets | $4,432,588,333 | 286 |
| Average earning assets | $4,136,801,667 | 280 |
| Average equity | $1,149,546,000 | 155 |
| Average total loans | $3,593,743,667 | 240 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.7540% | 5 |
| Cost of funding earning assets | 0.9876% | 143 |
| Net interest margin | 17.7665% | 5 |
| Noninterest income to average assets | 3.4829% | 170 |
| Noninterest expense to average assets | 5.8936% | 124 |
| Loan and lease loss provision to assets | -0.7884% | 4,951 |
| Net operating income to assets | 11.3376% | 18 |
| Return on assets (ROA) | 11.3376% | 18 |
| Pretax return on assets | 14.9843% | 17 |
| Return on Equity (ROE) | 45.2621% | 44 |
| Retained earnings to average equity (ytd only) | 31.5209% | 69 |
| Net charge-offs to loans | 6.2931% | 5 |
| Credit loss provision to net charge-offs | -15.5515% | 2,700 |
| Earnings coverage of net charge-offs (x) | 2.8004% | 1,792 |
| Efficiency ratio | 29.3367% | 4,913 |
| Assets per employee ($millions) | 12.0230% | 346 |
| Cash dividends to net income (ytd only)* | 30.3592% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.5006% | 7 |
| Loan loss allowance to noncurrent loans | 421.9975% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 2.2991% | 193 |
| Noncurrent loans to loans | 2.9622% | 271 |
| Net loans and leases to total assets | 67.9106% | 1,544 |
| Net loans and leases to deposits | 93.7444% | 507 |
| Net loans and leases to core deposits | 247.7778% | 26 |
| Total domestic deposits to total assets | 72.4424% | 4,711 |
| Equity capital to assets | 25.8330% | 84 |
| Core capital (leverage) ratio | 25.0113% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8394% | 195 |
| Memoranda: | ||
| Average total assets | $4,474,126,000 | 285 |
| Average earning assets | $4,182,058,500 | 277 |
| Average equity | $1,120,717,500 | 161 |
| Average total loans | $3,604,100,000 | 239 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.0988% | 3 |
| Cost of funding earning assets | 1.4518% | 102 |
| Net interest margin | 19.6470% | 3 |
| Noninterest income to average assets | 3.6587% | 148 |
| Noninterest expense to average assets | 6.1221% | 125 |
| Loan and lease loss provision to assets | 7.3847% | 2 |
| Net operating income to assets | 6.3381% | 34 |
| Return on assets (ROA) | 6.3381% | 33 |
| Pretax return on assets | 8.5400% | 30 |
| Return on Equity (ROE) | 27.3562% | 85 |
| Retained earnings to average equity (ytd only) | 21.0489% | 58 |
| Net charge-offs to loans | 9.0106% | 3 |
| Credit loss provision to net charge-offs | 91.7667% | 2,918 |
| Earnings coverage of net charge-offs (x) | 1.9789% | 3,215 |
| Efficiency ratio | 27.7687% | 4,968 |
| Assets per employee ($millions) | 11.7450% | 338 |
| Cash dividends to net income (ytd only)* | 23.0561% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.5605% | 3 |
| Loan loss allowance to noncurrent loans | 526.6106% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 2.1512% | 249 |
| Noncurrent loans to loans | 2.5751% | 387 |
| Net loans and leases to total assets | 72.2129% | 1,265 |
| Net loans and leases to deposits | 96.8448% | 509 |
| Net loans and leases to core deposits | 299.0612% | 22 |
| Total domestic deposits to total assets | 74.5656% | 4,607 |
| Equity capital to assets | 24.2525% | 107 |
| Core capital (leverage) ratio | 25.8583% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2291% | 228 |
| Memoranda: | ||
| Average total assets | $4,140,073,800 | 285 |
| Average earning assets | $3,874,784,400 | 276 |
| Average equity | $959,212,600 | 170 |
| Average total loans | $3,697,428,400 | 232 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.3155% | 3 |
| Cost of funding earning assets | 1.5646% | 91 |
| Net interest margin | 19.7508% | 3 |
| Noninterest income to average assets | 3.6779% | 147 |
| Noninterest expense to average assets | 6.1529% | 126 |
| Loan and lease loss provision to assets | 7.7973% | 4 |
| Net operating income to assets | 6.1297% | 40 |
| Return on assets (ROA) | 6.1297% | 37 |
| Pretax return on assets | 8.2138% | 32 |
| Return on Equity (ROE) | 26.7987% | 93 |
| Retained earnings to average equity (ytd only) | 21.1348% | 71 |
| Net charge-offs to loans | 10.2910% | 2 |
| Credit loss provision to net charge-offs | 83.3690% | 2,735 |
| Earnings coverage of net charge-offs (x) | 1.7119% | 3,052 |
| Efficiency ratio | 27.7609% | 5,002 |
| Assets per employee ($millions) | 11.3402% | 361 |
| Cash dividends to net income (ytd only)* | 21.1351% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.4656% | 4 |
| Loan loss allowance to noncurrent loans | 638.2215% | 875 |
| Noncurrent assets plus other real estate owned to assets | 1.8536% | 397 |
| Noncurrent loans to loans | 2.1099% | 564 |
| Net loans and leases to total assets | 76.0238% | 1,092 |
| Net loans and leases to deposits | 102.8506% | 424 |
| Net loans and leases to core deposits | 291.7161% | 22 |
| Total domestic deposits to total assets | 73.9167% | 4,571 |
| Equity capital to assets | 24.9699% | 103 |
| Core capital (leverage) ratio | 24.1870% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6714% | 246 |
| Memoranda: | ||
| Average total assets | $4,065,188,750 | 285 |
| Average earning assets | $3,804,838,250 | 275 |
| Average equity | $929,836,500 | 171 |
| Average total loans | $3,694,554,250 | 232 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.7369% | 3 |
| Cost of funding earning assets | 1.6411% | 96 |
| Net interest margin | 20.0959% | 4 |
| Noninterest income to average assets | 3.6474% | 131 |
| Noninterest expense to average assets | 6.3595% | 125 |
| Loan and lease loss provision to assets | 9.3997% | 4 |
| Net operating income to assets | 4.9781% | 36 |
| Return on assets (ROA) | 4.9781% | 35 |
| Pretax return on assets | 6.7076% | 29 |
| Return on Equity (ROE) | 22.4541% | 149 |
| Retained earnings to average equity (ytd only) | 17.5652% | 128 |
| Net charge-offs to loans | 11.4961% | 3 |
| Credit loss provision to net charge-offs | 88.9732% | 2,469 |
| Earnings coverage of net charge-offs (x) | 1.5246% | 2,850 |
| Efficiency ratio | 28.3063% | 5,025 |
| Assets per employee ($millions) | 11.5930% | 343 |
| Cash dividends to net income (ytd only)* | 21.7731% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.2053% | 3 |
| Loan loss allowance to noncurrent loans | 442.5826% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 2.7587% | 190 |
| Noncurrent loans to loans | 3.2096% | 276 |
| Net loans and leases to total assets | 73.7414% | 1,446 |
| Net loans and leases to deposits | 97.5460% | 689 |
| Net loans and leases to core deposits | 282.6771% | 20 |
| Total domestic deposits to total assets | 75.5965% | 4,466 |
| Equity capital to assets | 22.9149% | 127 |
| Core capital (leverage) ratio | 22.6612% | 134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8830% | 284 |
| Memoranda: | ||
| Average total assets | $4,059,431,000 | 279 |
| Average earning assets | $3,801,564,667 | 272 |
| Average equity | $899,986,000 | 176 |
| Average total loans | $3,730,540,333 | 229 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.8188% | 4 |
| Cost of funding earning assets | 1.7095% | 123 |
| Net interest margin | 22.1092% | 4 |
| Noninterest income to average assets | 3.7653% | 118 |
| Noninterest expense to average assets | 6.7316% | 129 |
| Loan and lease loss provision to assets | 13.6401% | 1 |
| Net operating income to assets | 3.0114% | 64 |
| Return on assets (ROA) | 3.0114% | 64 |
| Pretax return on assets | 4.1135% | 45 |
| Return on Equity (ROE) | 13.8229% | 732 |
| Retained earnings to average equity (ytd only) | 3.7596% | 2,778 |
| Net charge-offs to loans | 12.1990% | 5 |
| Credit loss provision to net charge-offs | 117.7314% | 1,714 |
| Earnings coverage of net charge-offs (x) | 1.5324% | 2,382 |
| Efficiency ratio | 27.4927% | 5,073 |
| Assets per employee ($millions) | 11.6744% | 255 |
| Cash dividends to net income (ytd only)* | 72.8019% | 1,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.6009% | 3 |
| Loan loss allowance to noncurrent loans | 360.9035% | 1,308 |
| Noncurrent assets plus other real estate owned to assets | 3.7579% | 113 |
| Noncurrent loans to loans | 4.0457% | 191 |
| Net loans and leases to total assets | 79.3241% | 777 |
| Net loans and leases to deposits | 103.0550% | 407 |
| Net loans and leases to core deposits | 301.7612% | 16 |
| Total domestic deposits to total assets | 76.9725% | 4,355 |
| Equity capital to assets | 21.6250% | 183 |
| Core capital (leverage) ratio | 21.9497% | 171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7745% | 403 |
| Memoranda: | ||
| Average total assets | $4,014,001,500 | 272 |
| Average earning assets | $3,761,756,000 | 267 |
| Average equity | $874,462,000 | 177 |
| Average total loans | $3,812,203,000 | 224 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.9262% | 1 |
| Cost of funding earning assets | 1.8834% | 103 |
| Net interest margin | 23.0427% | 1 |
| Noninterest income to average assets | 3.8562% | 113 |
| Noninterest expense to average assets | 6.4672% | 124 |
| Loan and lease loss provision to assets | 11.1921% | 1 |
| Net operating income to assets | 5.4574% | 34 |
| Return on assets (ROA) | 5.4574% | 37 |
| Pretax return on assets | 7.3729% | 34 |
| Return on Equity (ROE) | 26.0050% | 64 |
| Retained earnings to average equity (ytd only) | 13.2173% | 158 |
| Net charge-offs to loans | 11.2324% | 1 |
| Credit loss provision to net charge-offs | 106.2864% | 2,335 |
| Earnings coverage of net charge-offs (x) | 1.7630% | 3,495 |
| Efficiency ratio | 25.8355% | 5,147 |
| Assets per employee ($millions) | 11.8015% | 238 |
| Cash dividends to net income (ytd only)* | 49.1741% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7736% | 4 |
| Loan loss allowance to noncurrent loans | 326.0185% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 4.1027% | 93 |
| Noncurrent loans to loans | 4.2248% | 148 |
| Net loans and leases to total assets | 83.7346% | 345 |
| Net loans and leases to deposits | 108.9300% | 209 |
| Net loans and leases to core deposits | 312.6426% | 19 |
| Total domestic deposits to total assets | 76.8701% | 4,504 |
| Equity capital to assets | 21.9495% | 182 |
| Core capital (leverage) ratio | 21.8690% | 177 |
| Tier 1 risk-based capital ratio | 23.1837% | 898 |
| Total risk-based capital ratio | 24.5927% | 864 |
| Memoranda: | ||
| Average total assets | $3,912,616,000 | 271 |
| Average earning assets | $3,595,628,800 | 268 |
| Average equity | $821,099,400 | 180 |
| Average total loans | $3,667,990,000 | 221 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.9037% | 1 |
| Cost of funding earning assets | 1.8983% | 100 |
| Net interest margin | 23.0054% | 1 |
| Noninterest income to average assets | 3.7875% | 121 |
| Noninterest expense to average assets | 6.3916% | 126 |
| Loan and lease loss provision to assets | 10.6930% | 1 |
| Net operating income to assets | 5.7677% | 31 |
| Return on assets (ROA) | 5.7677% | 33 |
| Pretax return on assets | 7.7631% | 30 |
| Return on Equity (ROE) | 27.8080% | 53 |
| Retained earnings to average equity (ytd only) | 15.2792% | 133 |
| Net charge-offs to loans | 11.1528% | 1 |
| Credit loss provision to net charge-offs | 103.2129% | 2,190 |
| Earnings coverage of net charge-offs (x) | 1.7814% | 3,255 |
| Efficiency ratio | 25.7229% | 5,226 |
| Assets per employee ($millions) | 11.9746% | 219 |
| Cash dividends to net income (ytd only)* | 45.0547% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7319% | 3 |
| Loan loss allowance to noncurrent loans | 359.0009% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 3.6468% | 127 |
| Noncurrent loans to loans | 3.8250% | 190 |
| Net loans and leases to total assets | 82.2490% | 539 |
| Net loans and leases to deposits | 107.0562% | 288 |
| Net loans and leases to core deposits | 301.1626% | 23 |
| Total domestic deposits to total assets | 76.8279% | 4,537 |
| Equity capital to assets | 21.7494% | 191 |
| Core capital (leverage) ratio | 21.7938% | 180 |
| Tier 1 risk-based capital ratio | 23.4905% | 899 |
| Total risk-based capital ratio | 24.8996% | 864 |
| Memoranda: | ||
| Average total assets | $3,899,445,000 | 273 |
| Average earning assets | $3,569,735,750 | 271 |
| Average equity | $808,783,000 | 184 |
| Average total loans | $3,622,310,000 | 224 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.5437% | 1 |
| Cost of funding earning assets | 1.8865% | 91 |
| Net interest margin | 22.6572% | 1 |
| Noninterest income to average assets | 3.7093% | 122 |
| Noninterest expense to average assets | 6.2983% | 132 |
| Loan and lease loss provision to assets | 10.3788% | 2 |
| Net operating income to assets | 5.6594% | 28 |
| Return on assets (ROA) | 5.6594% | 30 |
| Pretax return on assets | 7.6161% | 30 |
| Return on Equity (ROE) | 27.7399% | 57 |
| Retained earnings to average equity (ytd only) | 14.8875% | 177 |
| Net charge-offs to loans | 11.7824% | 1 |
| Credit loss provision to net charge-offs | 95.6753% | 2,070 |
| Earnings coverage of net charge-offs (x) | 1.6588% | 3,005 |
| Efficiency ratio | 25.9261% | 5,269 |
| Assets per employee ($millions) | 12.1280% | 203 |
| Cash dividends to net income (ytd only)* | 46.3316% | 1,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.6715% | 3 |
| Loan loss allowance to noncurrent loans | 407.6426% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 3.0925% | 184 |
| Noncurrent loans to loans | 3.3538% | 265 |
| Net loans and leases to total assets | 79.6017% | 947 |
| Net loans and leases to deposits | 102.1921% | 525 |
| Net loans and leases to core deposits | 274.0165% | 26 |
| Total domestic deposits to total assets | 77.8941% | 4,415 |
| Equity capital to assets | 20.8750% | 213 |
| Core capital (leverage) ratio | 21.5011% | 177 |
| Tier 1 risk-based capital ratio | 22.4957% | 996 |
| Total risk-based capital ratio | 23.8980% | 965 |
| Memoranda: | ||
| Average total assets | $3,890,039,670 | 276 |
| Average earning assets | $3,534,071,000 | 273 |
| Average equity | $793,629,670 | 187 |
| Average total loans | $3,581,520,670 | 228 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.5440% | 2 |
| Cost of funding earning assets | 1.8780% | 77 |
| Net interest margin | 22.6659% | 1 |
| Noninterest income to average assets | 3.6062% | 116 |
| Noninterest expense to average assets | 6.3130% | 124 |
| Loan and lease loss provision to assets | 9.6080% | 4 |
| Net operating income to assets | 6.2444% | 32 |
| Return on assets (ROA) | 6.2444% | 35 |
| Pretax return on assets | 8.3923% | 33 |
| Return on Equity (ROE) | 30.9724% | 43 |
| Retained earnings to average equity (ytd only) | 20.2074% | 102 |
| Net charge-offs to loans | 12.3180% | 3 |
| Credit loss provision to net charge-offs | 84.7834% | 1,751 |
| Earnings coverage of net charge-offs (x) | 1.5884% | 2,578 |
| Efficiency ratio | 25.9651% | 5,329 |
| Assets per employee ($millions) | 12.2606% | 195 |
| Cash dividends to net income (ytd only)* | 34.7567% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.8588% | 4 |
| Loan loss allowance to noncurrent loans | 347.7742% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 3.6433% | 140 |
| Noncurrent loans to loans | 3.9850% | 191 |
| Net loans and leases to total assets | 78.7552% | 1,025 |
| Net loans and leases to deposits | 101.3335% | 541 |
| Net loans and leases to core deposits | 279.1665% | 27 |
| Total domestic deposits to total assets | 77.7189% | 4,560 |
| Equity capital to assets | 20.7855% | 211 |
| Core capital (leverage) ratio | 20.6276% | 218 |
| Tier 1 risk-based capital ratio | 22.2138% | 1,026 |
| Total risk-based capital ratio | 23.6171% | 986 |
| Memoranda: | ||
| Average total assets | $3,870,329,500 | 277 |
| Average earning assets | $3,535,827,500 | 273 |
| Average equity | $780,307,500 | 190 |
| Average total loans | $3,560,646,000 | 230 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.2726% | 1 |
| Cost of funding earning assets | 1.5294% | 81 |
| Net interest margin | 23.7432% | 1 |
| Noninterest income to average assets | 4.4250% | 103 |
| Noninterest expense to average assets | 6.0509% | 130 |
| Loan and lease loss provision to assets | 11.8867% | 1 |
| Net operating income to assets | 5.9953% | 30 |
| Return on assets (ROA) | 5.9953% | 30 |
| Pretax return on assets | 8.0957% | 29 |
| Return on Equity (ROE) | 30.5120% | 34 |
| Retained earnings to average equity (ytd only) | 18.2045% | 54 |
| Net charge-offs to loans | 11.7049% | 1 |
| Credit loss provision to net charge-offs | 108.3608% | 2,366 |
| Earnings coverage of net charge-offs (x) | 1.8216% | 3,588 |
| Efficiency ratio | 23.2430% | 5,381 |
| Assets per employee ($millions) | 12.9694% | 161 |
| Cash dividends to net income (ytd only)* | 40.3368% | 2,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0073% | 3 |
| Loan loss allowance to noncurrent loans | 339.2922% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 3.8214% | 129 |
| Noncurrent loans to loans | 4.1284% | 177 |
| Net loans and leases to total assets | 79.5993% | 999 |
| Net loans and leases to deposits | 100.3136% | 717 |
| Net loans and leases to core deposits | 332.6555% | 19 |
| Total domestic deposits to total assets | 79.3505% | 4,246 |
| Equity capital to assets | 19.5436% | 250 |
| Core capital (leverage) ratio | 20.0323% | 233 |
| Tier 1 risk-based capital ratio | 21.8159% | 1,054 |
| Total risk-based capital ratio | 23.2292% | 1,016 |
| Memoranda: | ||
| Average total assets | $3,597,579,600 | 287 |
| Average earning assets | $3,274,103,200 | 282 |
| Average equity | $706,881,400 | 194 |
| Average total loans | $3,371,579,600 | 230 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.2820% | 1 |
| Cost of funding earning assets | 1.4459% | 79 |
| Net interest margin | 23.8360% | 1 |
| Noninterest income to average assets | 4.6501% | 99 |
| Noninterest expense to average assets | 6.0966% | 130 |
| Loan and lease loss provision to assets | 11.2580% | 3 |
| Net operating income to assets | 6.5200% | 27 |
| Return on assets (ROA) | 6.5200% | 27 |
| Pretax return on assets | 8.8093% | 25 |
| Return on Equity (ROE) | 33.1337% | 29 |
| Retained earnings to average equity (ytd only) | 22.7519% | 38 |
| Net charge-offs to loans | 11.6309% | 2 |
| Credit loss provision to net charge-offs | 102.9332% | 2,215 |
| Earnings coverage of net charge-offs (x) | 1.8348% | 3,309 |
| Efficiency ratio | 23.3016% | 5,450 |
| Assets per employee ($millions) | 13.1833% | 151 |
| Cash dividends to net income (ytd only)* | 31.3332% | 2,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0527% | 3 |
| Loan loss allowance to noncurrent loans | 362.2541% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 3.5140% | 161 |
| Noncurrent loans to loans | 3.8792% | 224 |
| Net loans and leases to total assets | 77.8559% | 1,363 |
| Net loans and leases to deposits | 98.6985% | 889 |
| Net loans and leases to core deposits | 287.9712% | 23 |
| Total domestic deposits to total assets | 78.8825% | 4,337 |
| Equity capital to assets | 19.8832% | 235 |
| Core capital (leverage) ratio | 20.6784% | 207 |
| Tier 1 risk-based capital ratio | 21.8000% | 1,076 |
| Total risk-based capital ratio | 23.2068% | 1,034 |
| Memoranda: | ||
| Average total assets | $3,524,267,500 | 289 |
| Average earning assets | $3,180,913,000 | 287 |
| Average equity | $693,499,500 | 195 |
| Average total loans | $3,314,086,250 | 231 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.2999% | 1 |
| Cost of funding earning assets | 1.3500% | 90 |
| Net interest margin | 23.9499% | 1 |
| Noninterest income to average assets | 4.2978% | 112 |
| Noninterest expense to average assets | 6.2544% | 128 |
| Loan and lease loss provision to assets | 11.2307% | 1 |
| Net operating income to assets | 6.2572% | 30 |
| Return on assets (ROA) | 6.2572% | 30 |
| Pretax return on assets | 8.4539% | 25 |
| Return on Equity (ROE) | 31.9198% | 28 |
| Retained earnings to average equity (ytd only) | 24.8063% | 25 |
| Net charge-offs to loans | 12.0012% | 2 |
| Credit loss provision to net charge-offs | 98.1990% | 2,083 |
| Earnings coverage of net charge-offs (x) | 1.7212% | 3,033 |
| Efficiency ratio | 24.1120% | 5,510 |
| Assets per employee ($millions) | 12.4014% | 176 |
| Cash dividends to net income (ytd only)* | 22.2856% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1353% | 3 |
| Loan loss allowance to noncurrent loans | 384.5945% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 3.5040% | 178 |
| Noncurrent loans to loans | 3.6754% | 263 |
| Net loans and leases to total assets | 81.8598% | 720 |
| Net loans and leases to deposits | 104.5283% | 506 |
| Net loans and leases to core deposits | 318.1252% | 21 |
| Total domestic deposits to total assets | 78.3135% | 4,535 |
| Equity capital to assets | 20.5811% | 205 |
| Core capital (leverage) ratio | 20.4251% | 208 |
| Tier 1 risk-based capital ratio | 22.1229% | 1,022 |
| Total risk-based capital ratio | 23.5363% | 988 |
| Memoranda: | ||
| Average total assets | $3,442,213,330 | 292 |
| Average earning assets | $3,110,403,670 | 288 |
| Average equity | $674,772,000 | 194 |
| Average total loans | $3,280,293,000 | 232 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.4830% | 1 |
| Cost of funding earning assets | 1.2349% | 116 |
| Net interest margin | 24.2481% | 1 |
| Noninterest income to average assets | 3.8918% | 123 |
| Noninterest expense to average assets | 6.4281% | 128 |
| Loan and lease loss provision to assets | 11.4291% | 2 |
| Net operating income to assets | 5.7018% | 33 |
| Return on assets (ROA) | 5.7018% | 33 |
| Pretax return on assets | 7.7035% | 29 |
| Return on Equity (ROE) | 29.8411% | 44 |
| Retained earnings to average equity (ytd only) | 29.8411% | 19 |
| Net charge-offs to loans | 12.6671% | 2 |
| Credit loss provision to net charge-offs | 94.7003% | 1,636 |
| Earnings coverage of net charge-offs (x) | 1.5853% | 2,541 |
| Efficiency ratio | 25.1485% | 5,577 |
| Assets per employee ($millions) | 12.2739% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.4373% | 1 |
| Loan loss allowance to noncurrent loans | 376.4146% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 3.6947% | 186 |
| Noncurrent loans to loans | 3.8355% | 265 |
| Net loans and leases to total assets | 82.4222% | 611 |
| Net loans and leases to deposits | 105.1575% | 424 |
| Net loans and leases to core deposits | 303.5124% | 25 |
| Total domestic deposits to total assets | 78.3797% | 4,669 |
| Equity capital to assets | 20.2773% | 205 |
| Core capital (leverage) ratio | 19.3904% | 238 |
| Tier 1 risk-based capital ratio | 21.4961% | 1,121 |
| Total risk-based capital ratio | 22.9185% | 1,075 |
| Memoranda: | ||
| Average total assets | $3,427,125,500 | 291 |
| Average earning assets | $3,062,586,000 | 292 |
| Average equity | $654,829,500 | 199 |
| Average total loans | $3,265,224,500 | 233 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.4276% | 1 |
| Cost of funding earning assets | 0.9625% | 268 |
| Net interest margin | 25.4651% | 1 |
| Noninterest income to average assets | 4.2718% | 124 |
| Noninterest expense to average assets | 7.0994% | 111 |
| Loan and lease loss provision to assets | 14.3556% | 2 |
| Net operating income to assets | 2.0878% | 239 |
| Return on assets (ROA) | 2.0878% | 245 |
| Pretax return on assets | 5.5562% | 40 |
| Return on Equity (ROE) | 10.5041% | 1,676 |
| Retained earnings to average equity (ytd only) | 1.8059% | 4,237 |
| Net charge-offs to loans | 10.9860% | 3 |
| Credit loss provision to net charge-offs | 135.3514% | 1,953 |
| Earnings coverage of net charge-offs (x) | 1.8774% | 3,839 |
| Efficiency ratio | 26.2831% | 5,637 |
| Assets per employee ($millions) | 13.4749% | 134 |
| Cash dividends to net income (ytd only)* | 82.8076% | 742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.2759% | 1 |
| Loan loss allowance to noncurrent loans | 343.0828% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 3.9226% | 154 |
| Noncurrent loans to loans | 4.1611% | 222 |
| Net loans and leases to total assets | 80.8105% | 857 |
| Net loans and leases to deposits | 99.9120% | 736 |
| Net loans and leases to core deposits | 219.9174% | 37 |
| Total domestic deposits to total assets | 80.8818% | 4,145 |
| Equity capital to assets | 17.9882% | 317 |
| Core capital (leverage) ratio | 18.3309% | 274 |
| Tier 1 risk-based capital ratio | 18.5373% | 1,638 |
| Total risk-based capital ratio | 19.9431% | 1,546 |
| Memoranda: | ||
| Average total assets | $3,181,277,600 | 292 |
| Average earning assets | $2,840,762,000 | 295 |
| Average equity | $632,313,000 | 193 |
| Average total loans | $3,071,292,600 | 236 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.3128% | 2 |
| Cost of funding earning assets | 0.9083% | 327 |
| Net interest margin | 25.4045% | 1 |
| Noninterest income to average assets | 4.3464% | 131 |
| Noninterest expense to average assets | 7.3908% | 106 |
| Loan and lease loss provision to assets | 14.4079% | 2 |
| Net operating income to assets | 3.2873% | 66 |
| Return on assets (ROA) | 3.2873% | 66 |
| Pretax return on assets | 5.4298% | 48 |
| Return on Equity (ROE) | 16.1067% | 521 |
| Retained earnings to average equity (ytd only) | 7.8900% | 1,263 |
| Net charge-offs to loans | 10.7058% | 4 |
| Credit loss provision to net charge-offs | 138.4785% | 1,790 |
| Earnings coverage of net charge-offs (x) | 1.9067% | 3,533 |
| Efficiency ratio | 27.1435% | 5,704 |
| Assets per employee ($millions) | 12.1164% | 177 |
| Cash dividends to net income (ytd only)* | 51.0144% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.9374% | 2 |
| Loan loss allowance to noncurrent loans | 368.1495% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 3.6838% | 196 |
| Noncurrent loans to loans | 3.7858% | 273 |
| Net loans and leases to total assets | 83.7437% | 460 |
| Net loans and leases to deposits | 106.7127% | 381 |
| Net loans and leases to core deposits | 250.0775% | 33 |
| Total domestic deposits to total assets | 78.4759% | 4,631 |
| Equity capital to assets | 19.9778% | 228 |
| Core capital (leverage) ratio | 19.6097% | 222 |
| Tier 1 risk-based capital ratio | 20.6404% | 1,256 |
| Total risk-based capital ratio | 22.0480% | 1,200 |
| Memoranda: | ||
| Average total assets | $3,100,727,000 | 300 |
| Average earning assets | $2,792,855,000 | 301 |
| Average equity | $632,837,750 | 193 |
| Average total loans | $3,013,449,250 | 243 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.5773% | 2 |
| Cost of funding earning assets | 0.8483% | 408 |
| Net interest margin | 24.7289% | 2 |
| Noninterest income to average assets | 4.3450% | 131 |
| Noninterest expense to average assets | 7.3118% | 116 |
| Loan and lease loss provision to assets | 14.4193% | 3 |
| Net operating income to assets | 2.9745% | 81 |
| Return on assets (ROA) | 2.9745% | 81 |
| Pretax return on assets | 4.9226% | 55 |
| Return on Equity (ROE) | 14.4643% | 742 |
| Retained earnings to average equity (ytd only) | 5.8260% | 2,213 |
| Net charge-offs to loans | 11.0937% | 4 |
| Credit loss provision to net charge-offs | 133.8018% | 1,645 |
| Earnings coverage of net charge-offs (x) | 1.7948% | 3,244 |
| Efficiency ratio | 27.4326% | 5,751 |
| Assets per employee ($millions) | 11.7732% | 186 |
| Cash dividends to net income (ytd only)* | 59.7213% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3227% | 3 |
| Loan loss allowance to noncurrent loans | 419.6518% | 1,205 |
| Noncurrent assets plus other real estate owned to assets | 3.0896% | 288 |
| Noncurrent loans to loans | 3.1747% | 392 |
| Net loans and leases to total assets | 84.3551% | 404 |
| Net loans and leases to deposits | 107.5240% | 336 |
| Net loans and leases to core deposits | 254.5815% | 32 |
| Total domestic deposits to total assets | 78.4523% | 4,741 |
| Equity capital to assets | 20.2434% | 215 |
| Core capital (leverage) ratio | 20.0003% | 206 |
| Tier 1 risk-based capital ratio | 20.8725% | 1,210 |
| Total risk-based capital ratio | 22.2721% | 1,153 |
| Memoranda: | ||
| Average total assets | $3,039,790,000 | 309 |
| Average earning assets | $2,742,292,000 | 310 |
| Average equity | $625,124,330 | 197 |
| Average total loans | $2,952,910,000 | 245 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.1799% | 2 |
| Cost of funding earning assets | 0.8000% | 487 |
| Net interest margin | 24.3800% | 2 |
| Noninterest income to average assets | 4.2974% | 137 |
| Noninterest expense to average assets | 7.7117% | 106 |
| Loan and lease loss provision to assets | 14.2315% | 2 |
| Net operating income to assets | 2.6474% | 114 |
| Return on assets (ROA) | 2.6474% | 119 |
| Pretax return on assets | 4.3812% | 68 |
| Return on Equity (ROE) | 12.7687% | 1,047 |
| Retained earnings to average equity (ytd only) | 1.7924% | 4,400 |
| Net charge-offs to loans | 11.3221% | 5 |
| Credit loss provision to net charge-offs | 129.5207% | 1,318 |
| Earnings coverage of net charge-offs (x) | 1.6939% | 2,696 |
| Efficiency ratio | 29.2950% | 5,805 |
| Assets per employee ($millions) | 11.6867% | 185 |
| Cash dividends to net income (ytd only)* | 85.9628% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.9697% | 4 |
| Loan loss allowance to noncurrent loans | 351.5653% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 3.5930% | 230 |
| Noncurrent loans to loans | 3.6891% | 310 |
| Net loans and leases to total assets | 84.7615% | 309 |
| Net loans and leases to deposits | 109.6198% | 223 |
| Net loans and leases to core deposits | 249.4101% | 30 |
| Total domestic deposits to total assets | 77.3232% | 5,073 |
| Equity capital to assets | 20.8350% | 177 |
| Core capital (leverage) ratio | 19.9019% | 200 |
| Tier 1 risk-based capital ratio | 21.4156% | 1,160 |
| Total risk-based capital ratio | 22.8105% | 1,124 |
| Memoranda: | ||
| Average total assets | $2,987,965,000 | 315 |
| Average earning assets | $2,699,594,000 | 315 |
| Average equity | $619,517,000 | 194 |
| Average total loans | $2,899,754,000 | 251 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.7376% | 3 |
| Cost of funding earning assets | 0.7386% | 666 |
| Net interest margin | 24.9989% | 3 |
| Noninterest income to average assets | 5.1163% | 118 |
| Noninterest expense to average assets | 7.1850% | 128 |
| Loan and lease loss provision to assets | 12.5617% | 1 |
| Net operating income to assets | 5.0737% | 32 |
| Return on assets (ROA) | 5.0737% | 33 |
| Pretax return on assets | 8.2989% | 27 |
| Return on Equity (ROE) | 23.6956% | 98 |
| Retained earnings to average equity (ytd only) | 11.3791% | 267 |
| Net charge-offs to loans | 8.9410% | 2 |
| Credit loss provision to net charge-offs | 146.7313% | 1,865 |
| Earnings coverage of net charge-offs (x) | 2.4367% | 3,830 |
| Efficiency ratio | 25.6191% | 5,881 |
| Assets per employee ($millions) | 12.1781% | 162 |
| Cash dividends to net income (ytd only)* | 51.9781% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1572% | 3 |
| Loan loss allowance to noncurrent loans | 326.8572% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 3.5968% | 237 |
| Noncurrent loans to loans | 3.7194% | 304 |
| Net loans and leases to total assets | 84.9477% | 306 |
| Net loans and leases to deposits | 108.5494% | 261 |
| Net loans and leases to core deposits | 256.5362% | 29 |
| Total domestic deposits to total assets | 78.2572% | 4,939 |
| Equity capital to assets | 20.6330% | 190 |
| Core capital (leverage) ratio | 20.0561% | 195 |
| Tier 1 risk-based capital ratio | 21.2578% | 1,165 |
| Total risk-based capital ratio | 22.6419% | 1,135 |
| Memoranda: | ||
| Average total assets | $2,730,157,200 | 320 |
| Average earning assets | $2,504,129,600 | 316 |
| Average equity | $584,582,200 | 195 |
| Average total loans | $2,614,147,000 | 253 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.5362% | 3 |
| Cost of funding earning assets | 0.7207% | 739 |
| Net interest margin | 24.8156% | 3 |
| Noninterest income to average assets | 5.1387% | 119 |
| Noninterest expense to average assets | 7.2574% | 127 |
| Loan and lease loss provision to assets | 11.9710% | 1 |
| Net operating income to assets | 5.2943% | 32 |
| Return on assets (ROA) | 5.2943% | 33 |
| Pretax return on assets | 8.7629% | 26 |
| Return on Equity (ROE) | 24.4753% | 91 |
| Retained earnings to average equity (ytd only) | 12.2113% | 280 |
| Net charge-offs to loans | 8.6513% | 1 |
| Credit loss provision to net charge-offs | 144.9183% | 1,812 |
| Earnings coverage of net charge-offs (x) | 2.5100% | 3,556 |
| Efficiency ratio | 25.9274% | 5,949 |
| Assets per employee ($millions) | 12.0987% | 166 |
| Cash dividends to net income (ytd only)* | 50.1078% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5477% | 3 |
| Loan loss allowance to noncurrent loans | 358.7177% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 3.1092% | 359 |
| Noncurrent loans to loans | 3.2192% | 442 |
| Net loans and leases to total assets | 85.4314% | 294 |
| Net loans and leases to deposits | 110.7376% | 243 |
| Net loans and leases to core deposits | 302.4445% | 29 |
| Total domestic deposits to total assets | 77.1476% | 5,055 |
| Equity capital to assets | 21.2572% | 190 |
| Core capital (leverage) ratio | 21.0103% | 167 |
| Tier 1 risk-based capital ratio | 22.1954% | 1,113 |
| Total risk-based capital ratio | 23.5737% | 1,071 |
| Memoranda: | ||
| Average total assets | $2,663,740,500 | 325 |
| Average earning assets | $2,453,037,500 | 321 |
| Average equity | $576,195,500 | 196 |
| Average total loans | $2,543,411,250 | 259 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.0881% | 3 |
| Cost of funding earning assets | 0.7018% | 798 |
| Net interest margin | 24.3863% | 3 |
| Noninterest income to average assets | 5.1666% | 117 |
| Noninterest expense to average assets | 7.6191% | 117 |
| Loan and lease loss provision to assets | 11.5585% | 1 |
| Net operating income to assets | 5.0862% | 34 |
| Return on assets (ROA) | 5.0862% | 34 |
| Pretax return on assets | 8.4171% | 27 |
| Return on Equity (ROE) | 23.3663% | 121 |
| Retained earnings to average equity (ytd only) | 9.6048% | 685 |
| Net charge-offs to loans | 8.8428% | 2 |
| Credit loss provision to net charge-offs | 137.4725% | 1,702 |
| Earnings coverage of net charge-offs (x) | 2.3758% | 3,284 |
| Efficiency ratio | 27.6108% | 6,020 |
| Assets per employee ($millions) | 11.4318% | 182 |
| Cash dividends to net income (ytd only)* | 58.8946% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9991% | 3 |
| Loan loss allowance to noncurrent loans | 386.1109% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 2.7496% | 468 |
| Noncurrent loans to loans | 2.8487% | 542 |
| Net loans and leases to total assets | 85.9060% | 260 |
| Net loans and leases to deposits | 111.6535% | 213 |
| Net loans and leases to core deposits | 288.2233% | 30 |
| Total domestic deposits to total assets | 76.9398% | 5,166 |
| Equity capital to assets | 21.6381% | 162 |
| Core capital (leverage) ratio | 21.4736% | 147 |
| Tier 1 risk-based capital ratio | 22.4371% | 1,087 |
| Total risk-based capital ratio | 23.8076% | 1,056 |
| Memoranda: | ||
| Average total assets | $2,603,925,330 | 332 |
| Average earning assets | $2,394,838,000 | 328 |
| Average equity | $566,800,330 | 197 |
| Average total loans | $2,475,853,670 | 262 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.1122% | 2 |
| Cost of funding earning assets | 0.6829% | 877 |
| Net interest margin | 24.4293% | 3 |
| Noninterest income to average assets | 4.7436% | 129 |
| Noninterest expense to average assets | 7.5675% | 122 |
| Loan and lease loss provision to assets | 9.7576% | 2 |
| Net operating income to assets | 5.9733% | 34 |
| Return on assets (ROA) | 5.9733% | 33 |
| Pretax return on assets | 9.8667% | 22 |
| Return on Equity (ROE) | 27.3573% | 70 |
| Retained earnings to average equity (ytd only) | 13.0916% | 383 |
| Net charge-offs to loans | 8.9200% | 6 |
| Credit loss provision to net charge-offs | 115.9639% | 1,471 |
| Earnings coverage of net charge-offs (x) | 2.3322% | 2,697 |
| Efficiency ratio | 27.8300% | 6,079 |
| Assets per employee ($millions) | 11.2834% | 185 |
| Cash dividends to net income (ytd only)* | 52.1458% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4083% | 5 |
| Loan loss allowance to noncurrent loans | 328.3589% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 3.0182% | 414 |
| Noncurrent loans to loans | 3.1698% | 486 |
| Net loans and leases to total assets | 85.3074% | 273 |
| Net loans and leases to deposits | 113.8337% | 152 |
| Net loans and leases to core deposits | 298.6780% | 28 |
| Total domestic deposits to total assets | 74.9404% | 5,527 |
| Equity capital to assets | 22.4504% | 143 |
| Core capital (leverage) ratio | 21.4497% | 150 |
| Tier 1 risk-based capital ratio | 23.3674% | 979 |
| Total risk-based capital ratio | 24.7293% | 960 |
| Memoranda: | ||
| Average total assets | $2,568,366,500 | 331 |
| Average earning assets | $2,360,084,500 | 330 |
| Average equity | $560,786,000 | 198 |
| Average total loans | $2,422,769,500 | 268 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.1342% | 2 |
| Cost of funding earning assets | 0.6177% | 1,254 |
| Net interest margin | 24.5164% | 2 |
| Noninterest income to average assets | 4.8946% | 126 |
| Noninterest expense to average assets | 7.2725% | 130 |
| Loan and lease loss provision to assets | 8.9143% | 1 |
| Net operating income to assets | 6.8214% | 30 |
| Return on assets (ROA) | 6.8214% | 29 |
| Pretax return on assets | 11.2231% | 24 |
| Return on Equity (ROE) | 31.2697% | 51 |
| Retained earnings to average equity (ytd only) | 16.1738% | 110 |
| Net charge-offs to loans | 7.7083% | 3 |
| Credit loss provision to net charge-offs | 123.1597% | 2,104 |
| Earnings coverage of net charge-offs (x) | 2.7822% | 3,828 |
| Efficiency ratio | 26.5325% | 6,152 |
| Assets per employee ($millions) | 11.8090% | 159 |
| Cash dividends to net income (ytd only)* | 48.2765% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0067% | 4 |
| Loan loss allowance to noncurrent loans | 322.3401% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 2.9015% | 465 |
| Noncurrent loans to loans | 3.1044% | 503 |
| Net loans and leases to total assets | 84.1119% | 380 |
| Net loans and leases to deposits | 109.4044% | 259 |
| Net loans and leases to core deposits | 344.6526% | 23 |
| Total domestic deposits to total assets | 76.8816% | 5,334 |
| Equity capital to assets | 21.2323% | 168 |
| Core capital (leverage) ratio | 21.0850% | 158 |
| Tier 1 risk-based capital ratio | 22.3685% | 1,103 |
| Total risk-based capital ratio | 23.7247% | 1,066 |
| Memoranda: | ||
| Average total assets | $2,338,199,800 | 339 |
| Average earning assets | $2,147,343,800 | 336 |
| Average equity | $510,072,600 | 204 |
| Average total loans | $2,195,524,400 | 266 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.1571% | 3 |
| Cost of funding earning assets | 0.6068% | 1,367 |
| Net interest margin | 24.5503% | 2 |
| Noninterest income to average assets | 4.8136% | 134 |
| Noninterest expense to average assets | 7.4716% | 133 |
| Loan and lease loss provision to assets | 8.3055% | 1 |
| Net operating income to assets | 7.0118% | 28 |
| Return on assets (ROA) | 7.0118% | 28 |
| Pretax return on assets | 11.5870% | 24 |
| Return on Equity (ROE) | 31.8993% | 44 |
| Retained earnings to average equity (ytd only) | 17.2239% | 100 |
| Net charge-offs to loans | 7.5483% | 4 |
| Credit loss provision to net charge-offs | 117.0285% | 2,030 |
| Earnings coverage of net charge-offs (x) | 2.8029% | 3,600 |
| Efficiency ratio | 27.3044% | 6,235 |
| Assets per employee ($millions) | 11.5536% | 168 |
| Cash dividends to net income (ytd only)* | 46.0055% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8173% | 4 |
| Loan loss allowance to noncurrent loans | 352.5539% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 2.6485% | 625 |
| Noncurrent loans to loans | 2.7846% | 675 |
| Net loans and leases to total assets | 85.7730% | 244 |
| Net loans and leases to deposits | 113.3155% | 182 |
| Net loans and leases to core deposits | 349.8007% | 24 |
| Total domestic deposits to total assets | 75.6939% | 5,539 |
| Equity capital to assets | 22.2067% | 151 |
| Core capital (leverage) ratio | 21.9172% | 140 |
| Tier 1 risk-based capital ratio | 23.0848% | 1,043 |
| Total risk-based capital ratio | 24.4392% | 1,017 |
| Memoranda: | ||
| Average total assets | $2,273,257,250 | 349 |
| Average earning assets | $2,088,083,500 | 344 |
| Average equity | $499,688,500 | 212 |
| Average total loans | $2,137,360,250 | 274 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.6900% | 3 |
| Cost of funding earning assets | 0.6010% | 1,409 |
| Net interest margin | 24.0890% | 3 |
| Noninterest income to average assets | 4.5969% | 140 |
| Noninterest expense to average assets | 7.7290% | 122 |
| Loan and lease loss provision to assets | 7.9497% | 1 |
| Net operating income to assets | 6.6556% | 35 |
| Return on assets (ROA) | 6.6556% | 35 |
| Pretax return on assets | 11.0015% | 28 |
| Return on Equity (ROE) | 30.3904% | 65 |
| Retained earnings to average equity (ytd only) | 14.8283% | 201 |
| Net charge-offs to loans | 7.9196% | 2 |
| Credit loss provision to net charge-offs | 107.2087% | 1,958 |
| Earnings coverage of net charge-offs (x) | 2.5557% | 3,321 |
| Efficiency ratio | 28.9691% | 6,305 |
| Assets per employee ($millions) | 11.3299% | 174 |
| Cash dividends to net income (ytd only)* | 51.2074% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7649% | 7 |
| Loan loss allowance to noncurrent loans | 415.1640% | 1,224 |
| Noncurrent assets plus other real estate owned to assets | 2.2075% | 948 |
| Noncurrent loans to loans | 2.3521% | 996 |
| Net loans and leases to total assets | 84.6884% | 323 |
| Net loans and leases to deposits | 110.6496% | 248 |
| Net loans and leases to core deposits | 490.1800% | 19 |
| Total domestic deposits to total assets | 76.5375% | 5,529 |
| Equity capital to assets | 22.0795% | 150 |
| Core capital (leverage) ratio | 21.6805% | 143 |
| Tier 1 risk-based capital ratio | 23.1941% | 1,055 |
| Total risk-based capital ratio | 24.5475% | 1,020 |
| Memoranda: | ||
| Average total assets | $2,229,957,000 | 354 |
| Average earning assets | $2,044,290,670 | 350 |
| Average equity | $488,364,000 | 216 |
| Average total loans | $2,087,930,330 | 277 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.5500% | 2 |
| Cost of funding earning assets | 0.5996% | 1,443 |
| Net interest margin | 23.9504% | 2 |
| Noninterest income to average assets | 4.2755% | 150 |
| Noninterest expense to average assets | 7.0589% | 145 |
| Loan and lease loss provision to assets | 7.2661% | 2 |
| Net operating income to assets | 7.1891% | 32 |
| Return on assets (ROA) | 7.1891% | 33 |
| Pretax return on assets | 11.8692% | 29 |
| Return on Equity (ROE) | 32.9670% | 48 |
| Retained earnings to average equity (ytd only) | 17.9634% | 147 |
| Net charge-offs to loans | 8.3891% | 8 |
| Credit loss provision to net charge-offs | 92.6205% | 1,726 |
| Earnings coverage of net charge-offs (x) | 2.4392% | 2,755 |
| Efficiency ratio | 26.9484% | 6,383 |
| Assets per employee ($millions) | 11.2246% | 183 |
| Cash dividends to net income (ytd only)* | 45.5109% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7864% | 8 |
| Loan loss allowance to noncurrent loans | 347.4255% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 2.6515% | 780 |
| Noncurrent loans to loans | 2.8168% | 814 |
| Net loans and leases to total assets | 84.9193% | 253 |
| Net loans and leases to deposits | 113.2150% | 169 |
| Net loans and leases to core deposits | 318.1769% | 30 |
| Total domestic deposits to total assets | 75.0071% | 5,829 |
| Equity capital to assets | 22.5324% | 141 |
| Core capital (leverage) ratio | 21.4495% | 152 |
| Tier 1 risk-based capital ratio | 23.4533% | 1,051 |
| Total risk-based capital ratio | 24.8063% | 1,024 |
| Memoranda: | ||
| Average total assets | $2,200,616,000 | 356 |
| Average earning assets | $2,013,945,000 | 356 |
| Average equity | $479,886,500 | 218 |
| Average total loans | $2,057,917,500 | 277 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.0774% | 3 |
| Cost of funding earning assets | 0.5380% | 2,307 |
| Net interest margin | 23.5394% | 3 |
| Noninterest income to average assets | 5.1064% | 126 |
| Noninterest expense to average assets | 7.3706% | 126 |
| Loan and lease loss provision to assets | 7.4931% | 1 |
| Net operating income to assets | 7.1314% | 28 |
| Return on assets (ROA) | 7.1314% | 29 |
| Pretax return on assets | 11.8140% | 25 |
| Return on Equity (ROE) | 31.3702% | 50 |
| Retained earnings to average equity (ytd only) | 5.7021% | 2,129 |
| Net charge-offs to loans | 7.8284% | 5 |
| Credit loss provision to net charge-offs | 105.0575% | 2,285 |
| Earnings coverage of net charge-offs (x) | 2.7070% | 4,083 |
| Efficiency ratio | 27.6283% | 6,472 |
| Assets per employee ($millions) | 11.7034% | 154 |
| Cash dividends to net income (ytd only)* | 81.8231% | 838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.8635% | 10 |
| Loan loss allowance to noncurrent loans | 326.8614% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 2.8038% | 765 |
| Noncurrent loans to loans | 3.0176% | 741 |
| Net loans and leases to total assets | 83.7480% | 362 |
| Net loans and leases to deposits | 108.0566% | 293 |
| Net loans and leases to core deposits | 341.9305% | 27 |
| Total domestic deposits to total assets | 77.5039% | 5,522 |
| Equity capital to assets | 21.0964% | 188 |
| Core capital (leverage) ratio | 21.0321% | 171 |
| Tier 1 risk-based capital ratio | 22.5038% | 1,149 |
| Total risk-based capital ratio | 23.8590% | 1,120 |
| Memoranda: | ||
| Average total assets | $2,073,645,000 | 363 |
| Average earning assets | $1,900,267,200 | 358 |
| Average equity | $471,402,400 | 207 |
| Average total loans | $1,889,280,200 | 277 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.9238% | 3 |
| Cost of funding earning assets | 0.5257% | 2,507 |
| Net interest margin | 23.3982% | 3 |
| Noninterest income to average assets | 4.9740% | 124 |
| Noninterest expense to average assets | 7.4924% | 120 |
| Loan and lease loss provision to assets | 6.8466% | 3 |
| Net operating income to assets | 7.3015% | 25 |
| Return on assets (ROA) | 7.3015% | 25 |
| Pretax return on assets | 12.0863% | 23 |
| Return on Equity (ROE) | 31.4995% | 50 |
| Retained earnings to average equity (ytd only) | 17.3748% | 130 |
| Net charge-offs to loans | 7.7058% | 4 |
| Credit loss provision to net charge-offs | 98.0495% | 2,273 |
| Earnings coverage of net charge-offs (x) | 2.7114% | 3,841 |
| Efficiency ratio | 28.3532% | 6,548 |
| Assets per employee ($millions) | 11.8374% | 147 |
| Cash dividends to net income (ytd only)* | 44.8410% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.9133% | 9 |
| Loan loss allowance to noncurrent loans | 350.0874% | 1,344 |
| Noncurrent assets plus other real estate owned to assets | 2.6629% | 957 |
| Noncurrent loans to loans | 2.8317% | 974 |
| Net loans and leases to total assets | 84.7185% | 279 |
| Net loans and leases to deposits | 114.3979% | 146 |
| Net loans and leases to core deposits | 318.0066% | 29 |
| Total domestic deposits to total assets | 74.0560% | 6,012 |
| Equity capital to assets | 24.1787% | 110 |
| Core capital (leverage) ratio | 23.7207% | 111 |
| Tier 1 risk-based capital ratio | 25.5394% | 828 |
| Total risk-based capital ratio | 26.8955% | 802 |
| Memoranda: | ||
| Average total assets | $2,036,143,750 | 361 |
| Average earning assets | $1,866,726,500 | 356 |
| Average equity | $471,975,250 | 207 |
| Average total loans | $1,845,088,250 | 278 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.2292% | 3 |
| Cost of funding earning assets | 0.5063% | 2,770 |
| Net interest margin | 22.7230% | 3 |
| Noninterest income to average assets | 4.9352% | 123 |
| Noninterest expense to average assets | 7.8545% | 110 |
| Loan and lease loss provision to assets | 6.5751% | 2 |
| Net operating income to assets | 6.9032% | 30 |
| Return on assets (ROA) | 6.9032% | 30 |
| Pretax return on assets | 11.3877% | 24 |
| Return on Equity (ROE) | 30.2288% | 57 |
| Retained earnings to average equity (ytd only) | 15.4906% | 191 |
| Net charge-offs to loans | 8.1207% | 3 |
| Credit loss provision to net charge-offs | 90.5277% | 2,172 |
| Earnings coverage of net charge-offs (x) | 2.4732% | 3,539 |
| Efficiency ratio | 30.4234% | 6,605 |
| Assets per employee ($millions) | 12.2430% | 129 |
| Cash dividends to net income (ytd only)* | 48.7553% | 1,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1888% | 5 |
| Loan loss allowance to noncurrent loans | 422.3280% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 2.1542% | 1,427 |
| Noncurrent loans to loans | 2.4125% | 1,304 |
| Net loans and leases to total assets | 80.1956% | 666 |
| Net loans and leases to deposits | 105.9713% | 306 |
| Net loans and leases to core deposits | 261.3486% | 33 |
| Total domestic deposits to total assets | 75.6767% | 5,957 |
| Equity capital to assets | 22.9648% | 125 |
| Core capital (leverage) ratio | 23.4181% | 110 |
| Tier 1 risk-based capital ratio | 25.5650% | 819 |
| Total risk-based capital ratio | 26.9246% | 787 |
| Memoranda: | ||
| Average total assets | $2,020,396,330 | 361 |
| Average earning assets | $1,856,720,330 | 356 |
| Average equity | $461,388,330 | 211 |
| Average total loans | $1,807,038,330 | 281 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.2449% | 2 |
| Cost of funding earning assets | 0.4893% | 3,016 |
| Net interest margin | 22.7556% | 2 |
| Noninterest income to average assets | 4.8900% | 119 |
| Noninterest expense to average assets | 7.0378% | 137 |
| Loan and lease loss provision to assets | 6.2297% | 4 |
| Net operating income to assets | 7.5853% | 29 |
| Return on assets (ROA) | 7.5853% | 29 |
| Pretax return on assets | 12.5075% | 25 |
| Return on Equity (ROE) | 33.3137% | 50 |
| Retained earnings to average equity (ytd only) | 19.1887% | 135 |
| Net charge-offs to loans | 8.4964% | 5 |
| Credit loss provision to net charge-offs | 81.9092% | 1,883 |
| Earnings coverage of net charge-offs (x) | 2.4636% | 2,874 |
| Efficiency ratio | 27.3047% | 6,690 |
| Assets per employee ($millions) | 12.2088% | 133 |
| Cash dividends to net income (ytd only)* | 42.3998% | 1,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6827% | 6 |
| Loan loss allowance to noncurrent loans | 359.6636% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 2.5381% | 1,247 |
| Noncurrent loans to loans | 2.9702% | 1,076 |
| Net loans and leases to total assets | 76.3226% | 963 |
| Net loans and leases to deposits | 101.2179% | 391 |
| Net loans and leases to core deposits | 260.4725% | 33 |
| Total domestic deposits to total assets | 75.4042% | 6,126 |
| Equity capital to assets | 22.3546% | 139 |
| Core capital (leverage) ratio | 23.1116% | 117 |
| Tier 1 risk-based capital ratio | 26.1632% | 779 |
| Total risk-based capital ratio | 27.5296% | 755 |
| Memoranda: | ||
| Average total assets | $1,989,943,000 | 367 |
| Average earning assets | $1,826,363,000 | 362 |
| Average equity | $453,099,000 | 215 |
| Average total loans | $1,781,323,500 | 283 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.0037% | 2 |
| Cost of funding earning assets | 0.4899% | 3,712 |
| Net interest margin | 24.5138% | 2 |
| Noninterest income to average assets | 5.6128% | 117 |
| Noninterest expense to average assets | 7.1528% | 140 |
| Loan and lease loss provision to assets | 7.9325% | 1 |
| Net operating income to assets | 7.2487% | 29 |
| Return on assets (ROA) | 7.2487% | 29 |
| Pretax return on assets | 11.8873% | 25 |
| Return on Equity (ROE) | 31.8125% | 61 |
| Retained earnings to average equity (ytd only) | 16.6847% | 134 |
| Net charge-offs to loans | 7.7480% | 10 |
| Credit loss provision to net charge-offs | 116.0472% | 2,075 |
| Earnings coverage of net charge-offs (x) | 2.8995% | 4,031 |
| Efficiency ratio | 26.5189% | 6,778 |
| Assets per employee ($millions) | 12.0532% | 134 |
| Cash dividends to net income (ytd only)* | 47.5529% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9721% | 6 |
| Loan loss allowance to noncurrent loans | 345.9180% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 2.9799% | 1,064 |
| Noncurrent loans to loans | 3.1719% | 1,074 |
| Net loans and leases to total assets | 83.6388% | 279 |
| Net loans and leases to deposits | 111.0559% | 157 |
| Net loans and leases to core deposits | 409.0121% | 24 |
| Total domestic deposits to total assets | 75.3124% | 6,159 |
| Equity capital to assets | 23.2216% | 121 |
| Core capital (leverage) ratio | 23.4772% | 109 |
| Tier 1 risk-based capital ratio | 24.7929% | 870 |
| Total risk-based capital ratio | 26.1634% | 846 |
| Memoranda: | ||
| Average total assets | $1,798,672,200 | 383 |
| Average earning assets | $1,567,258,600 | 403 |
| Average equity | $409,841,800 | 226 |
| Average total loans | $1,586,866,600 | 299 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.8439% | 2 |
| Cost of funding earning assets | 0.4927% | 3,848 |
| Net interest margin | 24.3512% | 2 |
| Noninterest income to average assets | 5.6589% | 122 |
| Noninterest expense to average assets | 6.8802% | 151 |
| Loan and lease loss provision to assets | 7.6833% | 2 |
| Net operating income to assets | 7.4057% | 28 |
| Return on assets (ROA) | 7.4057% | 28 |
| Pretax return on assets | 12.0638% | 24 |
| Return on Equity (ROE) | 32.6690% | 54 |
| Retained earnings to average equity (ytd only) | 17.0708% | 131 |
| Net charge-offs to loans | 7.6370% | 9 |
| Credit loss provision to net charge-offs | 116.0572% | 2,029 |
| Earnings coverage of net charge-offs (x) | 2.9828% | 3,845 |
| Efficiency ratio | 25.8387% | 6,853 |
| Assets per employee ($millions) | 11.8351% | 144 |
| Cash dividends to net income (ytd only)* | 47.7463% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.3167% | 6 |
| Loan loss allowance to noncurrent loans | 392.6637% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 2.6138% | 1,447 |
| Noncurrent loans to loans | 2.8820% | 1,423 |
| Net loans and leases to total assets | 80.4291% | 503 |
| Net loans and leases to deposits | 106.7865% | 217 |
| Net loans and leases to core deposits | 323.6425% | 30 |
| Total domestic deposits to total assets | 75.3177% | 6,246 |
| Equity capital to assets | 22.8882% | 123 |
| Core capital (leverage) ratio | 23.5774% | 106 |
| Tier 1 risk-based capital ratio | 25.5805% | 821 |
| Total risk-based capital ratio | 26.9567% | 797 |
| Memoranda: | ||
| Average total assets | $1,772,240,750 | 392 |
| Average earning assets | $1,526,044,250 | 410 |
| Average equity | $401,744,500 | 228 |
| Average total loans | $1,536,303,000 | 306 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.5658% | 2 |
| Cost of funding earning assets | 0.5040% | 3,858 |
| Net interest margin | 24.0618% | 2 |
| Noninterest income to average assets | 5.5931% | 134 |
| Noninterest expense to average assets | 6.7405% | 158 |
| Loan and lease loss provision to assets | 6.3515% | 2 |
| Net operating income to assets | 7.8308% | 23 |
| Return on assets (ROA) | 7.8308% | 23 |
| Pretax return on assets | 12.7581% | 21 |
| Return on Equity (ROE) | 34.6639% | 48 |
| Retained earnings to average equity (ytd only) | 18.6699% | 111 |
| Net charge-offs to loans | 8.3142% | 12 |
| Credit loss provision to net charge-offs | 89.5960% | 2,454 |
| Earnings coverage of net charge-offs (x) | 2.6956% | 3,619 |
| Efficiency ratio | 26.0753% | 6,901 |
| Assets per employee ($millions) | 11.4355% | 164 |
| Cash dividends to net income (ytd only)* | 46.1403% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9243% | 7 |
| Loan loss allowance to noncurrent loans | 460.7355% | 942 |
| Noncurrent assets plus other real estate owned to assets | 2.0058% | 2,147 |
| Noncurrent loans to loans | 2.3711% | 1,993 |
| Net loans and leases to total assets | 75.3533% | 1,062 |
| Net loans and leases to deposits | 98.7420% | 499 |
| Net loans and leases to core deposits | 267.3606% | 35 |
| Total domestic deposits to total assets | 76.3133% | 6,218 |
| Equity capital to assets | 22.3027% | 130 |
| Core capital (leverage) ratio | 24.2496% | 90 |
| Tier 1 risk-based capital ratio | 23.8443% | 1,013 |
| Total risk-based capital ratio | 25.2008% | 984 |
| Memoranda: | ||
| Average total assets | $1,743,619,000 | 397 |
| Average earning assets | $1,467,904,330 | 426 |
| Average equity | $393,897,000 | 231 |
| Average total loans | $1,486,683,000 | 310 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.5734% | 2 |
| Cost of funding earning assets | 0.5171% | 3,904 |
| Net interest margin | 24.0562% | 2 |
| Noninterest income to average assets | 5.5473% | 128 |
| Noninterest expense to average assets | 6.6164% | 166 |
| Loan and lease loss provision to assets | 5.2327% | 9 |
| Net operating income to assets | 8.7018% | 26 |
| Return on assets (ROA) | 8.7018% | 26 |
| Pretax return on assets | 14.1847% | 20 |
| Return on Equity (ROE) | 38.2543% | 40 |
| Retained earnings to average equity (ytd only) | 24.2478% | 69 |
| Net charge-offs to loans | 8.6467% | 15 |
| Credit loss provision to net charge-offs | 70.6745% | 2,284 |
| Earnings coverage of net charge-offs (x) | 2.6226% | 2,985 |
| Efficiency ratio | 25.4147% | 6,978 |
| Assets per employee ($millions) | 11.1172% | 169 |
| Cash dividends to net income (ytd only)* | 36.6141% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5343% | 9 |
| Loan loss allowance to noncurrent loans | 368.3753% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 2.6368% | 1,724 |
| Noncurrent loans to loans | 3.1311% | 1,584 |
| Net loans and leases to total assets | 74.4985% | 1,012 |
| Net loans and leases to deposits | 99.9921% | 353 |
| Net loans and leases to core deposits | 251.0387% | 37 |
| Total domestic deposits to total assets | 74.5044% | 6,504 |
| Equity capital to assets | 23.0518% | 127 |
| Core capital (leverage) ratio | 23.7016% | 98 |
| Tier 1 risk-based capital ratio | 24.5132% | 954 |
| Total risk-based capital ratio | 25.8753% | 927 |
| Memoranda: | ||
| Average total assets | $1,694,868,000 | 413 |
| Average earning assets | $1,443,368,000 | 434 |
| Average equity | $385,535,500 | 235 |
| Average total loans | $1,451,279,500 | 319 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.3852% | 3 |
| Cost of funding earning assets | 0.5825% | 4,512 |
| Net interest margin | 24.8027% | 3 |
| Noninterest income to average assets | 5.8283% | 123 |
| Noninterest expense to average assets | 6.5058% | 180 |
| Loan and lease loss provision to assets | 8.3756% | 2 |
| Net operating income to assets | 7.3243% | 29 |
| Return on assets (ROA) | 7.3243% | 28 |
| Pretax return on assets | 12.0349% | 26 |
| Return on Equity (ROE) | 31.2083% | 57 |
| Retained earnings to average equity (ytd only) | 19.7109% | 63 |
| Net charge-offs to loans | 8.1735% | 7 |
| Credit loss provision to net charge-offs | 118.2299% | 2,430 |
| Earnings coverage of net charge-offs (x) | 2.8812% | 3,994 |
| Efficiency ratio | 24.1703% | 7,041 |
| Assets per employee ($millions) | 10.8926% | 181 |
| Cash dividends to net income (ytd only)* | 36.8408% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1654% | 8 |
| Loan loss allowance to noncurrent loans | 368.8328% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 2.8726% | 1,660 |
| Noncurrent loans to loans | 3.2984% | 1,556 |
| Net loans and leases to total assets | 76.4970% | 855 |
| Net loans and leases to deposits | 100.8936% | 381 |
| Net loans and leases to core deposits | 292.7799% | 37 |
| Total domestic deposits to total assets | 75.8195% | 6,377 |
| Equity capital to assets | 22.4323% | 145 |
| Core capital (leverage) ratio | 23.7291% | 104 |
| Tier 1 risk-based capital ratio | 25.7297% | 788 |
| Total risk-based capital ratio | 27.1143% | 773 |
| Memoranda: | ||
| Average total assets | $1,463,872,600 | 460 |
| Average earning assets | $1,244,624,800 | 484 |
| Average equity | $343,555,600 | 251 |
| Average total loans | $1,268,776,000 | 344 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.7511% | 3 |
| Cost of funding earning assets | 0.6083% | 4,560 |
| Net interest margin | 25.1427% | 3 |
| Noninterest income to average assets | 5.7855% | 126 |
| Noninterest expense to average assets | 6.6357% | 162 |
| Loan and lease loss provision to assets | 7.8055% | 2 |
| Net operating income to assets | 7.4993% | 27 |
| Return on assets (ROA) | 7.4993% | 26 |
| Pretax return on assets | 12.3776% | 24 |
| Return on Equity (ROE) | 31.5434% | 66 |
| Retained earnings to average equity (ytd only) | 20.6304% | 78 |
| Net charge-offs to loans | 8.3221% | 9 |
| Credit loss provision to net charge-offs | 108.3701% | 2,709 |
| Earnings coverage of net charge-offs (x) | 2.8022% | 3,917 |
| Efficiency ratio | 24.7426% | 7,137 |
| Assets per employee ($millions) | 10.9921% | 179 |
| Cash dividends to net income (ytd only)* | 34.5969% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3951% | 10 |
| Loan loss allowance to noncurrent loans | 431.8846% | 877 |
| Noncurrent assets plus other real estate owned to assets | 2.3670% | 2,245 |
| Noncurrent loans to loans | 2.8700% | 1,957 |
| Net loans and leases to total assets | 72.2514% | 1,511 |
| Net loans and leases to deposits | 96.0604% | 656 |
| Net loans and leases to core deposits | 257.0627% | 44 |
| Total domestic deposits to total assets | 75.2146% | 6,491 |
| Equity capital to assets | 22.3148% | 160 |
| Core capital (leverage) ratio | 24.1795% | 105 |
| Tier 1 risk-based capital ratio | 24.0625% | 1,014 |
| Total risk-based capital ratio | 25.4332% | 977 |
| Memoranda: | ||
| Average total assets | $1,413,198,750 | 478 |
| Average earning assets | $1,182,217,750 | 509 |
| Average equity | $335,982,000 | 258 |
| Average total loans | $1,223,107,500 | 363 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.3479% | 3 |
| Cost of funding earning assets | 0.6215% | 4,707 |
| Net interest margin | 24.7264% | 3 |
| Noninterest income to average assets | 5.8355% | 119 |
| Noninterest expense to average assets | 6.7156% | 156 |
| Loan and lease loss provision to assets | 7.2340% | 5 |
| Net operating income to assets | 7.8543% | 25 |
| Return on assets (ROA) | 7.8543% | 25 |
| Pretax return on assets | 12.9449% | 22 |
| Return on Equity (ROE) | 32.2517% | 67 |
| Retained earnings to average equity (ytd only) | 21.6005% | 76 |
| Net charge-offs to loans | 9.0264% | 11 |
| Credit loss provision to net charge-offs | 90.9015% | 3,025 |
| Earnings coverage of net charge-offs (x) | 2.5356% | 3,744 |
| Efficiency ratio | 24.9700% | 7,196 |
| Assets per employee ($millions) | 9.3720% | 285 |
| Cash dividends to net income (ytd only)* | 33.0251% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4942% | 8 |
| Loan loss allowance to noncurrent loans | 485.4941% | 742 |
| Noncurrent assets plus other real estate owned to assets | 2.2536% | 2,480 |
| Noncurrent loans to loans | 2.5735% | 2,340 |
| Net loans and leases to total assets | 76.6285% | 889 |
| Net loans and leases to deposits | 104.7225% | 265 |
| Net loans and leases to core deposits | 317.4727% | 35 |
| Total domestic deposits to total assets | 73.1729% | 6,735 |
| Equity capital to assets | 24.4640% | 106 |
| Core capital (leverage) ratio | 24.7282% | 98 |
| Tier 1 risk-based capital ratio | 26.5360% | 766 |
| Total risk-based capital ratio | 27.9171% | 743 |
| Memoranda: | ||
| Average total assets | $1,349,316,000 | 498 |
| Average earning assets | $1,149,184,330 | 521 |
| Average equity | $328,603,000 | 260 |
| Average total loans | $1,189,615,000 | 370 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.7715% | 3 |
| Cost of funding earning assets | 0.6445% | 4,779 |
| Net interest margin | 25.1270% | 3 |
| Noninterest income to average assets | 5.6885% | 125 |
| Noninterest expense to average assets | 6.8103% | 152 |
| Loan and lease loss provision to assets | 4.4774% | 27 |
| Net operating income to assets | 9.6316% | 21 |
| Return on assets (ROA) | 9.6316% | 22 |
| Pretax return on assets | 15.8696% | 18 |
| Return on Equity (ROE) | 39.6444% | 49 |
| Retained earnings to average equity (ytd only) | 39.6444% | 35 |
| Net charge-offs to loans | 9.3709% | 23 |
| Credit loss provision to net charge-offs | 54.0029% | 3,218 |
| Earnings coverage of net charge-offs (x) | 2.4541% | 3,195 |
| Efficiency ratio | 25.0772% | 7,252 |
| Assets per employee ($millions) | 9.1813% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.5518% | 8 |
| Loan loss allowance to noncurrent loans | 379.6796% | 890 |
| Noncurrent assets plus other real estate owned to assets | 2.8693% | 2,033 |
| Noncurrent loans to loans | 3.3059% | 1,927 |
| Net loans and leases to total assets | 75.8981% | 812 |
| Net loans and leases to deposits | 106.0661% | 206 |
| Net loans and leases to core deposits | 307.6390% | 35 |
| Total domestic deposits to total assets | 71.5573% | 6,904 |
| Equity capital to assets | 25.3931% | 95 |
| Core capital (leverage) ratio | 24.9790% | 97 |
| Tier 1 risk-based capital ratio | 27.7486% | 661 |
| Total risk-based capital ratio | 29.1302% | 635 |
| Memoranda: | ||
| Average total assets | $1,325,759,000 | 507 |
| Average earning assets | $1,132,741,500 | 528 |
| Average equity | $322,093,500 | 258 |
| Average total loans | $1,172,998,000 | 370 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.9885% | 3 |
| Cost of funding earning assets | 0.8102% | 4,790 |
| Net interest margin | 26.1783% | 2 |
| Noninterest income to average assets | 6.1952% | 101 |
| Noninterest expense to average assets | 7.2451% | 131 |
| Loan and lease loss provision to assets | 8.0921% | 4 |
| Net operating income to assets | 8.3518% | 25 |
| Return on assets (ROA) | 8.3518% | 26 |
| Pretax return on assets | 13.6180% | 20 |
| Return on Equity (ROE) | 34.4019% | 28 |
| Retained earnings to average equity (ytd only) | 16.8996% | 82 |
| Net charge-offs to loans | 8.9673% | 13 |
| Credit loss provision to net charge-offs | 100.2316% | 3,490 |
| Earnings coverage of net charge-offs (x) | 2.6891% | 3,866 |
| Efficiency ratio | 25.0217% | 7,313 |
| Assets per employee ($millions) | 9.2974% | 295 |
| Cash dividends to net income (ytd only)* | 50.8761% | 2,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2435% | 6 |
| Loan loss allowance to noncurrent loans | 397.5743% | 844 |
| Noncurrent assets plus other real estate owned to assets | 3.0039% | 2,005 |
| Noncurrent loans to loans | 3.3311% | 1,944 |
| Net loans and leases to total assets | 78.2344% | 685 |
| Net loans and leases to deposits | 104.6423% | 290 |
| Net loans and leases to core deposits | 323.7636% | 40 |
| Total domestic deposits to total assets | 74.7636% | 6,636 |
| Equity capital to assets | 23.1878% | 128 |
| Core capital (leverage) ratio | 22.6910% | 127 |
| Tier 1 risk-based capital ratio | 24.5262% | 918 |
| Total risk-based capital ratio | 25.9221% | 895 |
| Memoranda: | ||
| Average total assets | $1,176,727,800 | 554 |
| Average earning assets | $1,023,072,200 | 573 |
| Average equity | $285,675,800 | 271 |
| Average total loans | $1,059,425,800 | 400 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.8759% | 4 |
| Cost of funding earning assets | 0.8488% | 4,780 |
| Net interest margin | 26.0271% | 4 |
| Noninterest income to average assets | 6.3109% | 104 |
| Noninterest expense to average assets | 7.4142% | 122 |
| Loan and lease loss provision to assets | 7.6450% | 8 |
| Net operating income to assets | 8.4338% | 24 |
| Return on assets (ROA) | 8.4338% | 27 |
| Pretax return on assets | 13.9291% | 20 |
| Return on Equity (ROE) | 34.2946% | 35 |
| Retained earnings to average equity (ytd only) | 10.5334% | 718 |
| Net charge-offs to loans | 9.2058% | 16 |
| Credit loss provision to net charge-offs | 92.2833% | 3,696 |
| Earnings coverage of net charge-offs (x) | 2.6042% | 3,814 |
| Efficiency ratio | 25.5764% | 7,380 |
| Assets per employee ($millions) | 8.5901% | 384 |
| Cash dividends to net income (ytd only)* | 69.2857% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.7163% | 10 |
| Loan loss allowance to noncurrent loans | 507.2425% | 643 |
| Noncurrent assets plus other real estate owned to assets | 2.4563% | 2,623 |
| Noncurrent loans to loans | 2.7041% | 2,586 |
| Net loans and leases to total assets | 78.3775% | 675 |
| Net loans and leases to deposits | 105.1234% | 277 |
| Net loans and leases to core deposits | 342.4333% | 39 |
| Total domestic deposits to total assets | 74.5576% | 6,696 |
| Equity capital to assets | 22.9563% | 146 |
| Core capital (leverage) ratio | 21.4975% | 161 |
| Tier 1 risk-based capital ratio | 24.4107% | 965 |
| Total risk-based capital ratio | 25.8162% | 936 |
| Memoranda: | ||
| Average total assets | $1,140,852,250 | 581 |
| Average earning assets | $994,019,250 | 602 |
| Average equity | $280,561,750 | 276 |
| Average total loans | $1,026,646,250 | 414 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.9987% | 4 |
| Cost of funding earning assets | 0.8849% | 4,794 |
| Net interest margin | 25.1137% | 4 |
| Noninterest income to average assets | 6.4321% | 107 |
| Noninterest expense to average assets | 7.3501% | 127 |
| Loan and lease loss provision to assets | 6.4301% | 21 |
| Net operating income to assets | 8.7848% | 27 |
| Return on assets (ROA) | 8.7848% | 29 |
| Pretax return on assets | 14.4883% | 22 |
| Return on Equity (ROE) | 34.8754% | 44 |
| Retained earnings to average equity (ytd only) | 34.8754% | 28 |
| Net charge-offs to loans | 10.2475% | 16 |
| Credit loss provision to net charge-offs | 69.9686% | 4,057 |
| Earnings coverage of net charge-offs (x) | 2.2762% | 3,690 |
| Efficiency ratio | 26.0011% | 7,454 |
| Assets per employee ($millions) | 8.2019% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.8223% | 8 |
| Loan loss allowance to noncurrent loans | 564.0384% | 602 |
| Noncurrent assets plus other real estate owned to assets | 2.1936% | 2,992 |
| Noncurrent loans to loans | 2.4506% | 2,936 |
| Net loans and leases to total assets | 77.1393% | 895 |
| Net loans and leases to deposits | 108.4285% | 206 |
| Net loans and leases to core deposits | 320.8659% | 45 |
| Total domestic deposits to total assets | 71.1430% | 7,056 |
| Equity capital to assets | 26.7194% | 108 |
| Core capital (leverage) ratio | 26.0615% | 109 |
| Tier 1 risk-based capital ratio | 29.2457% | 581 |
| Total risk-based capital ratio | 30.6504% | 554 |
| Memoranda: | ||
| Average total assets | $1,114,538,670 | 603 |
| Average earning assets | $969,095,670 | 625 |
| Average equity | $280,742,670 | 275 |
| Average total loans | $999,520,670 | 434 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.5186% | 4 |
| Cost of funding earning assets | 0.9276% | 4,729 |
| Net interest margin | 25.5909% | 3 |
| Noninterest income to average assets | 5.3757% | 129 |
| Noninterest expense to average assets | 7.2622% | 137 |
| Loan and lease loss provision to assets | 8.4509% | 21 |
| Net operating income to assets | 7.1828% | 35 |
| Return on assets (ROA) | 7.1828% | 37 |
| Pretax return on assets | 11.8592% | 29 |
| Return on Equity (ROE) | 29.4513% | 86 |
| Retained earnings to average equity (ytd only) | 29.4513% | 61 |
| Net charge-offs to loans | 11.6062% | 27 |
| Credit loss provision to net charge-offs | 81.1129% | 3,138 |
| Earnings coverage of net charge-offs (x) | 1.9494% | 3,336 |
| Efficiency ratio | 26.3388% | 7,508 |
| Assets per employee ($millions) | 7.8181% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.6776% | 7 |
| Loan loss allowance to noncurrent loans | 476.2725% | 668 |
| Noncurrent assets plus other real estate owned to assets | 2.9590% | 2,331 |
| Noncurrent loans to loans | 3.2917% | 2,287 |
| Net loans and leases to total assets | 75.7998% | 1,056 |
| Net loans and leases to deposits | 105.6440% | 260 |
| Net loans and leases to core deposits | 317.9869% | 47 |
| Total domestic deposits to total assets | 71.7502% | 7,093 |
| Equity capital to assets | 25.7266% | 109 |
| Core capital (leverage) ratio | 23.1763% | 135 |
| Tier 1 risk-based capital ratio | 27.7806% | 649 |
| Total risk-based capital ratio | 29.2119% | 626 |
| Memoranda: | ||
| Average total assets | $1,097,677,500 | 614 |
| Average earning assets | $952,087,500 | 643 |
| Average equity | $267,709,500 | 287 |
| Average total loans | $985,366,000 | 444 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.2749% | 4 |
| Cost of funding earning assets | 1.4085% | 3,205 |
| Net interest margin | 22.8664% | 4 |
| Noninterest income to average assets | 4.9546% | 137 |
| Noninterest expense to average assets | 7.2601% | 144 |
| Loan and lease loss provision to assets | 10.1545% | 4 |
| Net operating income to assets | 4.4281% | 38 |
| Return on assets (ROA) | 4.4281% | 40 |
| Pretax return on assets | 7.2144% | 31 |
| Return on Equity (ROE) | 20.7973% | 210 |
| Retained earnings to average equity (ytd only) | 20.7973% | 51 |
| Net charge-offs to loans | 17.9446% | 3 |
| Credit loss provision to net charge-offs | 60.7101% | 6,069 |
| Earnings coverage of net charge-offs (x) | 1.0384% | 5,074 |
| Efficiency ratio | 29.4730% | 7,588 |
| Assets per employee ($millions) | 8.3317% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.7312% | 8 |
| Loan loss allowance to noncurrent loans | 383.0621% | 813 |
| Noncurrent assets plus other real estate owned to assets | 3.6816% | 1,868 |
| Noncurrent loans to loans | 4.1067% | 1,760 |
| Net loans and leases to total assets | 75.5452% | 1,362 |
| Net loans and leases to deposits | 101.5251% | 505 |
| Net loans and leases to core deposits | 305.7867% | 45 |
| Total domestic deposits to total assets | 74.4103% | 6,840 |
| Equity capital to assets | 23.0958% | 159 |
| Core capital (leverage) ratio | 21.7588% | 174 |
| Tier 1 risk-based capital ratio | 24.4185% | 895 |
| Total risk-based capital ratio | 25.8523% | 868 |
| Memoranda: | ||
| Average total assets | $1,066,232,000 | 631 |
| Average earning assets | $917,400,200 | 657 |
| Average equity | $227,019,400 | 315 |
| Average total loans | $993,842,600 | 448 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.8162% | 4 |
| Cost of funding earning assets | 1.5273% | 2,792 |
| Net interest margin | 22.2888% | 4 |
| Noninterest income to average assets | 4.7550% | 145 |
| Noninterest expense to average assets | 7.6857% | 122 |
| Loan and lease loss provision to assets | 10.6759% | 6 |
| Net operating income to assets | 3.3686% | 61 |
| Return on assets (ROA) | 3.3686% | 66 |
| Pretax return on assets | 5.5227% | 43 |
| Return on Equity (ROE) | 16.1842% | 680 |
| Retained earnings to average equity (ytd only) | 16.1842% | 159 |
| Net charge-offs to loans | 19.2995% | 5 |
| Credit loss provision to net charge-offs | 58.7511% | 5,727 |
| Earnings coverage of net charge-offs (x) | 0.8914% | 5,161 |
| Efficiency ratio | 32.1718% | 7,669 |
| Assets per employee ($millions) | 7.6993% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.8089% | 5 |
| Loan loss allowance to noncurrent loans | 376.0139% | 793 |
| Noncurrent assets plus other real estate owned to assets | 4.3059% | 1,579 |
| Noncurrent loans to loans | 4.7362% | 1,490 |
| Net loans and leases to total assets | 74.7225% | 1,634 |
| Net loans and leases to deposits | 99.0066% | 720 |
| Net loans and leases to core deposits | 322.8182% | 45 |
| Total domestic deposits to total assets | 75.4723% | 6,749 |
| Equity capital to assets | 22.5665% | 177 |
| Core capital (leverage) ratio | 19.8905% | 250 |
| Tier 1 risk-based capital ratio | 23.6224% | 991 |
| Total risk-based capital ratio | 25.0887% | 940 |
| Memoranda: | ||
| Average total assets | $1,053,676,500 | 632 |
| Average earning assets | $904,310,250 | 660 |
| Average equity | $219,310,750 | 317 |
| Average total loans | $992,084,000 | 450 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.7302% | 4 |
| Cost of funding earning assets | 1.5964% | 2,679 |
| Net interest margin | 22.1338% | 4 |
| Noninterest income to average assets | 4.6658% | 146 |
| Noninterest expense to average assets | 7.2464% | 142 |
| Loan and lease loss provision to assets | 12.0262% | 4 |
| Net operating income to assets | 2.6182% | 120 |
| Return on assets (ROA) | 2.6182% | 124 |
| Pretax return on assets | 4.3400% | 65 |
| Return on Equity (ROE) | 12.9357% | 1,256 |
| Retained earnings to average equity (ytd only) | 12.9357% | 388 |
| Net charge-offs to loans | 20.1807% | 5 |
| Credit loss provision to net charge-offs | 62.5873% | 5,143 |
| Earnings coverage of net charge-offs (x) | 0.8517% | 4,919 |
| Efficiency ratio | 30.6781% | 7,742 |
| Assets per employee ($millions) | 7.8643% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.2372% | 3 |
| Loan loss allowance to noncurrent loans | 356.9477% | 831 |
| Noncurrent assets plus other real estate owned to assets | 5.1135% | 1,243 |
| Noncurrent loans to loans | 5.6695% | 1,152 |
| Net loans and leases to total assets | 71.9398% | 2,418 |
| Net loans and leases to deposits | 92.9945% | 1,390 |
| Net loans and leases to core deposits | 284.2926% | 52 |
| Total domestic deposits to total assets | 77.3592% | 6,418 |
| Equity capital to assets | 21.3655% | 225 |
| Core capital (leverage) ratio | 18.6160% | 321 |
| Tier 1 risk-based capital ratio | 22.3067% | 1,158 |
| Total risk-based capital ratio | 23.8102% | 1,095 |
| Memoranda: | ||
| Average total assets | $1,058,435,670 | 628 |
| Average earning assets | $906,036,670 | 657 |
| Average equity | $214,229,000 | 322 |
| Average total loans | $1,007,795,330 | 451 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.3090% | 5 |
| Cost of funding earning assets | 1.6706% | 2,537 |
| Net interest margin | 23.6385% | 3 |
| Noninterest income to average assets | 4.6831% | 147 |
| Noninterest expense to average assets | 7.2932% | 140 |
| Loan and lease loss provision to assets | 14.4093% | 8 |
| Net operating income to assets | 1.8813% | 419 |
| Return on assets (ROA) | 1.8813% | 457 |
| Pretax return on assets | 3.2030% | 122 |
| Return on Equity (ROE) | 9.5530% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.5530% | 1,256 |
| Net charge-offs to loans | 21.2101% | 9 |
| Credit loss provision to net charge-offs | 69.5672% | 4,106 |
| Earnings coverage of net charge-offs (x) | 0.8503% | 4,286 |
| Efficiency ratio | 29.2639% | 7,853 |
| Assets per employee ($millions) | 7.7175% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 21.3128% | 3 |
| Loan loss allowance to noncurrent loans | 319.0381% | 950 |
| Noncurrent assets plus other real estate owned to assets | 6.4823% | 882 |
| Noncurrent loans to loans | 6.6803% | 926 |
| Net loans and leases to total assets | 76.3550% | 1,469 |
| Net loans and leases to deposits | 98.2661% | 887 |
| Net loans and leases to core deposits | 314.8543% | 53 |
| Total domestic deposits to total assets | 77.7023% | 6,394 |
| Equity capital to assets | 20.9050% | 246 |
| Core capital (leverage) ratio | 16.0285% | 576 |
| Tier 1 risk-based capital ratio | 19.9063% | 1,545 |
| Total risk-based capital ratio | 21.4318% | 1,458 |
| Memoranda: | ||
| Average total assets | $1,068,612,500 | 635 |
| Average earning assets | $914,188,000 | 670 |
| Average equity | $210,448,000 | 334 |
| Average total loans | $1,043,558,500 | 453 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.4377% | 1 |
| Cost of funding earning assets | 2.3000% | 1,655 |
| Net interest margin | 26.1377% | 1 |
| Noninterest income to average assets | 5.0553% | 141 |
| Noninterest expense to average assets | 7.3833% | 184 |
| Loan and lease loss provision to assets | 19.5840% | 1 |
| Net operating income to assets | 0.5385% | 3,579 |
| Return on assets (ROA) | 0.5385% | 3,661 |
| Pretax return on assets | 0.9180% | 2,868 |
| Return on Equity (ROE) | 3.0167% | 4,489 |
| Retained earnings to average equity (ytd only) | 3.0167% | 3,056 |
| Net charge-offs to loans | 20.0717% | 4 |
| Credit loss provision to net charge-offs | 98.0683% | 5,681 |
| Earnings coverage of net charge-offs (x) | 1.0267% | 5,085 |
| Efficiency ratio | 26.4245% | 7,954 |
| Assets per employee ($millions) | 8.3471% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.7100% | 5 |
| Loan loss allowance to noncurrent loans | 294.2120% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 6.9138% | 735 |
| Noncurrent loans to loans | 7.0391% | 793 |
| Net loans and leases to total assets | 77.8784% | 1,413 |
| Net loans and leases to deposits | 97.6830% | 1,135 |
| Net loans and leases to core deposits | 105.2087% | 3,431 |
| Total domestic deposits to total assets | 79.7256% | 5,762 |
| Equity capital to assets | 18.5903% | 401 |
| Core capital (leverage) ratio | 17.4685% | 438 |
| Tier 1 risk-based capital ratio | 20.1326% | 1,438 |
| Total risk-based capital ratio | 21.6391% | 1,356 |
| Memoranda: | ||
| Average total assets | $1,131,566,600 | 589 |
| Average earning assets | $988,371,000 | 610 |
| Average equity | $201,972,400 | 349 |
| Average total loans | $1,125,817,600 | 434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.3346% | 1 |
| Cost of funding earning assets | 2.4466% | 1,459 |
| Net interest margin | 24.8879% | 1 |
| Noninterest income to average assets | 5.1800% | 133 |
| Noninterest expense to average assets | 7.4439% | 177 |
| Loan and lease loss provision to assets | 19.2139% | 3 |
| Net operating income to assets | 0.1897% | 5,194 |
| Return on assets (ROA) | 0.1897% | 5,269 |
| Pretax return on assets | 0.3563% | 4,911 |
| Return on Equity (ROE) | 1.0741% | 5,471 |
| Retained earnings to average equity (ytd only) | 1.0741% | 4,716 |
| Net charge-offs to loans | 19.7876% | 5 |
| Credit loss provision to net charge-offs | 97.2902% | 5,250 |
| Earnings coverage of net charge-offs (x) | 0.9909% | 5,064 |
| Efficiency ratio | 27.5007% | 8,025 |
| Assets per employee ($millions) | 8.5357% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.7514% | 2 |
| Loan loss allowance to noncurrent loans | 308.0812% | 986 |
| Noncurrent assets plus other real estate owned to assets | 6.4035% | 799 |
| Noncurrent loans to loans | 6.4111% | 901 |
| Net loans and leases to total assets | 80.1536% | 1,139 |
| Net loans and leases to deposits | 99.3158% | 1,178 |
| Net loans and leases to core deposits | 105.2581% | 3,788 |
| Total domestic deposits to total assets | 80.7058% | 5,188 |
| Equity capital to assets | 17.6563% | 547 |
| Core capital (leverage) ratio | 17.7164% | 477 |
| Tier 1 risk-based capital ratio | 18.4480% | 1,877 |
| Total risk-based capital ratio | 19.9370% | 1,780 |
| Memoranda: | ||
| Average total assets | $1,134,829,250 | 596 |
| Average earning assets | $995,584,250 | 615 |
| Average equity | $200,481,750 | 362 |
| Average total loans | $1,132,621,500 | 449 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.7864% | 1 |
| Cost of funding earning assets | 2.6695% | 1,113 |
| Net interest margin | 23.1168% | 1 |
| Noninterest income to average assets | 5.4900% | 126 |
| Noninterest expense to average assets | 7.5265% | 182 |
| Loan and lease loss provision to assets | 19.2766% | 5 |
| Net operating income to assets | -0.6797% | 6,734 |
| Return on assets (ROA) | -0.6797% | 6,739 |
| Pretax return on assets | -1.0469% | 6,850 |
| Return on Equity (ROE) | -3.8468% | 6,461 |
| Retained earnings to average equity (ytd only) | -3.8468% | 6,107 |
| Net charge-offs to loans | 20.7341% | 11 |
| Credit loss provision to net charge-offs | 93.1756% | 4,827 |
| Earnings coverage of net charge-offs (x) | 0.8812% | 4,870 |
| Efficiency ratio | 29.1637% | 8,110 |
| Assets per employee ($millions) | 8.2637% | 451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.3835% | 5 |
| Loan loss allowance to noncurrent loans | 355.0036% | 893 |
| Noncurrent assets plus other real estate owned to assets | 5.6960% | 872 |
| Noncurrent loans to loans | 5.7418% | 977 |
| Net loans and leases to total assets | 78.9825% | 1,525 |
| Net loans and leases to deposits | 97.9396% | 1,523 |
| Net loans and leases to core deposits | 101.6595% | 4,316 |
| Total domestic deposits to total assets | 80.6441% | 5,210 |
| Equity capital to assets | 17.8813% | 563 |
| Core capital (leverage) ratio | 17.3618% | 572 |
| Tier 1 risk-based capital ratio | 19.0582% | 1,764 |
| Total risk-based capital ratio | 20.5589% | 1,673 |
| Memoranda: | ||
| Average total assets | $1,128,998,330 | 610 |
| Average earning assets | $989,771,670 | 630 |
| Average equity | $199,490,000 | 365 |
| Average total loans | $1,126,509,330 | 463 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.9143% | 1 |
| Cost of funding earning assets | 2.8758% | 817 |
| Net interest margin | 22.0385% | 1 |
| Noninterest income to average assets | 4.6568% | 138 |
| Noninterest expense to average assets | 7.5825% | 175 |
| Loan and lease loss provision to assets | 18.2188% | 13 |
| Net operating income to assets | -1.1296% | 7,322 |
| Return on assets (ROA) | -1.1296% | 7,334 |
| Pretax return on assets | -1.7736% | 7,464 |
| Return on Equity (ROE) | -6.4305% | 7,101 |
| Retained earnings to average equity (ytd only) | -6.4305% | 6,735 |
| Net charge-offs to loans | 20.1791% | 16 |
| Credit loss provision to net charge-offs | 90.2322% | 3,996 |
| Earnings coverage of net charge-offs (x) | 0.8145% | 4,375 |
| Efficiency ratio | 31.4945% | 8,143 |
| Assets per employee ($millions) | 8.1516% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 20.3762% | 2 |
| Loan loss allowance to noncurrent loans | 285.7747% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 7.1418% | 467 |
| Noncurrent loans to loans | 7.1302% | 555 |
| Net loans and leases to total assets | 79.7540% | 1,438 |
| Net loans and leases to deposits | 99.1828% | 1,513 |
| Net loans and leases to core deposits | 102.2783% | 4,311 |
| Total domestic deposits to total assets | 80.4111% | 5,204 |
| Equity capital to assets | 17.9162% | 616 |
| Core capital (leverage) ratio | 16.9091% | 668 |
| Tier 1 risk-based capital ratio | 19.0383% | 1,805 |
| Total risk-based capital ratio | 20.5406% | 1,714 |
| Memoranda: | ||
| Average total assets | $1,139,832,500 | 609 |
| Average earning assets | $1,001,867,000 | 624 |
| Average equity | $200,232,500 | 366 |
| Average total loans | $1,140,508,000 | 463 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.4296% | 3 |
| Cost of funding earning assets | 3.4472% | 613 |
| Net interest margin | 21.9824% | 4 |
| Noninterest income to average assets | 4.8402% | 129 |
| Noninterest expense to average assets | 7.7800% | 234 |
| Loan and lease loss provision to assets | 17.2906% | 4 |
| Net operating income to assets | -0.3172% | 6,751 |
| Return on assets (ROA) | -0.3172% | 6,618 |
| Pretax return on assets | -0.6526% | 6,772 |
| Return on Equity (ROE) | -1.7992% | 6,479 |
| Retained earnings to average equity (ytd only) | -6.5766% | 6,733 |
| Net charge-offs to loans | 15.6394% | 4 |
| Credit loss provision to net charge-offs | 115.0406% | 4,695 |
| Earnings coverage of net charge-offs (x) | 1.1070% | 5,568 |
| Efficiency ratio | 31.7992% | 8,225 |
| Assets per employee ($millions) | 8.9392% | 354 |
| Cash dividends to net income (ytd only)* | -265.5337% | 8,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 19.8094% | 2 |
| Loan loss allowance to noncurrent loans | 303.5303% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 6.5238% | 423 |
| Noncurrent loans to loans | 6.5263% | 489 |
| Net loans and leases to total assets | 80.1589% | 1,625 |
| Net loans and leases to deposits | 99.2414% | 1,955 |
| Net loans and leases to core deposits | 101.8896% | 4,626 |
| Total domestic deposits to total assets | 80.7716% | 4,740 |
| Equity capital to assets | 17.2361% | 756 |
| Core capital (leverage) ratio | 16.5425% | 754 |
| Tier 1 risk-based capital ratio | 18.2508% | 1,974 |
| Total risk-based capital ratio | 19.7442% | 1,866 |
| Memoranda: | ||
| Average total assets | $1,187,292,200 | 566 |
| Average earning assets | $1,057,417,600 | 574 |
| Average equity | $209,316,400 | 360 |
| Average total loans | $1,141,031,000 | 450 |