Home > NATIONAL COOPERATIVE BANK, N.A. > Performance and Condition Ratios
NATIONAL COOPERATIVE BANK, N.A., Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6619% | 1,751 |
| Cost of funding earning assets | 2.4568% | 935 |
| Net interest margin | 3.2051% | 3,001 |
| Noninterest income to average assets | 1.2600% | 415 |
| Noninterest expense to average assets | 3.0834% | 1,021 |
| Loan and lease loss provision to assets | -0.0200% | 4,187 |
| Net operating income to assets | 1.1621% | 1,823 |
| Return on assets (ROA) | 1.1621% | 1,822 |
| Pretax return on assets | 1.2941% | 1,989 |
| Return on Equity (ROE) | 10.9400% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.9432% | 970 |
| Net charge-offs to loans | 0.0101% | 1,874 |
| Credit loss provision to net charge-offs | -174.0260% | 4,391 |
| Earnings coverage of net charge-offs (x) | 159.3377% | 504 |
| Efficiency ratio | 70.7149% | 1,734 |
| Assets per employee ($millions) | 12.0396% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 3,702 |
| Loan loss allowance to noncurrent loans | 54.6006% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 521 |
| Noncurrent loans to loans | 1.5787% | 603 |
| Net loans and leases to total assets | 78.0400% | 832 |
| Net loans and leases to deposits | 90.8579% | 1,025 |
| Net loans and leases to core deposits | 96.5845% | 1,589 |
| Total domestic deposits to total assets | 85.8900% | 2,341 |
| Equity capital to assets | 10.5759% | 1,875 |
| Core capital (leverage) ratio | 10.6775% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4372% | 1,700 |
| Memoranda: | ||
| Average total assets | $3,843,286,000 | 354 |
| Average earning assets | $3,717,367,500 | 331 |
| Average equity | $408,143,000 | 354 |
| Average total loans | $3,039,623,000 | 322 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8690% | 1,477 |
| Cost of funding earning assets | 2.8383% | 654 |
| Net interest margin | 3.0307% | 3,093 |
| Noninterest income to average assets | 1.1000% | 524 |
| Noninterest expense to average assets | 3.1071% | 987 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 0.7052% | 2,964 |
| Return on assets (ROA) | 0.7052% | 2,992 |
| Pretax return on assets | 0.7873% | 3,083 |
| Return on Equity (ROE) | 6.6200% | 3,119 |
| Retained earnings to average equity (ytd only) | 6.6201% | 1,576 |
| Net charge-offs to loans | 0.0881% | 1,271 |
| Credit loss provision to net charge-offs | 198.5033% | 1,140 |
| Earnings coverage of net charge-offs (x) | 13.4801% | 2,113 |
| Efficiency ratio | 77.0346% | 1,280 |
| Assets per employee ($millions) | 11.7944% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 3,652 |
| Loan loss allowance to noncurrent loans | 49.4630% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.4576% | 386 |
| Noncurrent loans to loans | 1.8039% | 465 |
| Net loans and leases to total assets | 78.7600% | 805 |
| Net loans and leases to deposits | 92.8487% | 954 |
| Net loans and leases to core deposits | 98.9313% | 1,514 |
| Total domestic deposits to total assets | 84.8200% | 2,587 |
| Equity capital to assets | 10.6649% | 1,747 |
| Core capital (leverage) ratio | 10.4799% | 2,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3099% | 1,756 |
| Memoranda: | ||
| Average total assets | $3,695,021,600 | 355 |
| Average earning assets | $3,578,268,000 | 335 |
| Average equity | $393,604,800 | 346 |
| Average total loans | $2,881,844,600 | 328 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8445% | 1,472 |
| Cost of funding earning assets | 2.8851% | 611 |
| Net interest margin | 2.9594% | 3,182 |
| Noninterest income to average assets | 1.1900% | 455 |
| Noninterest expense to average assets | 3.0590% | 1,030 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 0.7997% | 2,688 |
| Return on assets (ROA) | 0.7997% | 2,706 |
| Pretax return on assets | 0.8946% | 2,815 |
| Return on Equity (ROE) | 7.5100% | 2,887 |
| Retained earnings to average equity (ytd only) | 7.5097% | 1,561 |
| Net charge-offs to loans | 0.1133% | 903 |
| Credit loss provision to net charge-offs | 124.9897% | 1,460 |
| Earnings coverage of net charge-offs (x) | 11.4062% | 2,070 |
| Efficiency ratio | 75.2996% | 1,455 |
| Assets per employee ($millions) | 12.1591% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8103% | 3,888 |
| Loan loss allowance to noncurrent loans | 57.1727% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.1593% | 539 |
| Noncurrent loans to loans | 1.4173% | 690 |
| Net loans and leases to total assets | 79.4700% | 698 |
| Net loans and leases to deposits | 97.3993% | 626 |
| Net loans and leases to core deposits | 103.6752% | 1,255 |
| Total domestic deposits to total assets | 81.5900% | 3,190 |
| Equity capital to assets | 10.3921% | 2,055 |
| Core capital (leverage) ratio | 10.6024% | 2,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3082% | 2,149 |
| Memoranda: | ||
| Average total assets | $3,675,223,750 | 347 |
| Average earning assets | $3,562,256,500 | 331 |
| Average equity | $391,377,250 | 340 |
| Average total loans | $2,852,512,750 | 322 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8509% | 1,378 |
| Cost of funding earning assets | 2.8701% | 572 |
| Net interest margin | 2.9809% | 3,086 |
| Noninterest income to average assets | 1.0300% | 564 |
| Noninterest expense to average assets | 2.9367% | 1,190 |
| Loan and lease loss provision to assets | 0.1600% | 715 |
| Net operating income to assets | 0.7398% | 2,824 |
| Return on assets (ROA) | 0.7398% | 2,838 |
| Pretax return on assets | 0.8164% | 2,958 |
| Return on Equity (ROE) | 6.8900% | 3,026 |
| Retained earnings to average equity (ytd only) | 6.8882% | 1,687 |
| Net charge-offs to loans | 0.0157% | 1,864 |
| Credit loss provision to net charge-offs | 1,582.5688% | 284 |
| Earnings coverage of net charge-offs (x) | 81.4312% | 870 |
| Efficiency ratio | 74.9827% | 1,554 |
| Assets per employee ($millions) | 11.5946% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 3,380 |
| Loan loss allowance to noncurrent loans | 58.4293% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 1.3008% | 414 |
| Noncurrent loans to loans | 1.6759% | 488 |
| Net loans and leases to total assets | 75.4000% | 1,251 |
| Net loans and leases to deposits | 92.7282% | 1,059 |
| Net loans and leases to core deposits | 98.5124% | 1,574 |
| Total domestic deposits to total assets | 81.3100% | 3,222 |
| Equity capital to assets | 10.7725% | 1,673 |
| Core capital (leverage) ratio | 10.6570% | 2,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4707% | 1,715 |
| Memoranda: | ||
| Average total assets | $3,623,588,000 | 353 |
| Average earning assets | $3,512,742,667 | 336 |
| Average equity | $389,159,667 | 339 |
| Average total loans | $2,780,463,333 | 327 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8081% | 1,301 |
| Cost of funding earning assets | 2.8025% | 601 |
| Net interest margin | 3.0056% | 2,983 |
| Noninterest income to average assets | 1.0300% | 531 |
| Noninterest expense to average assets | 2.8918% | 1,251 |
| Loan and lease loss provision to assets | 0.2700% | 350 |
| Net operating income to assets | 0.7112% | 2,809 |
| Return on assets (ROA) | 0.7112% | 2,828 |
| Pretax return on assets | 0.7840% | 2,967 |
| Return on Equity (ROE) | 6.6300% | 3,046 |
| Retained earnings to average equity (ytd only) | 6.6323% | 1,937 |
| Net charge-offs to loans | 0.0121% | 1,644 |
| Credit loss provision to net charge-offs | 2,886.9048% | 150 |
| Earnings coverage of net charge-offs (x) | 112.6786% | 630 |
| Efficiency ratio | 73.2869% | 1,805 |
| Assets per employee ($millions) | 11.6933% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,431 |
| Loan loss allowance to noncurrent loans | 52.9322% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.3716% | 346 |
| Noncurrent loans to loans | 1.8355% | 376 |
| Net loans and leases to total assets | 72.6800% | 1,487 |
| Net loans and leases to deposits | 88.7051% | 1,296 |
| Net loans and leases to core deposits | 94.7947% | 1,730 |
| Total domestic deposits to total assets | 81.9400% | 3,186 |
| Equity capital to assets | 10.4295% | 1,763 |
| Core capital (leverage) ratio | 10.8054% | 2,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7823% | 1,611 |
| Memoranda: | ||
| Average total assets | $3,591,837,500 | 358 |
| Average earning assets | $3,484,444,000 | 338 |
| Average equity | $385,143,000 | 341 |
| Average total loans | $2,766,979,000 | 333 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4572% | 1,226 |
| Cost of funding earning assets | 2.3164% | 529 |
| Net interest margin | 3.1408% | 3,001 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 3.1389% | 902 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.4716% | 3,731 |
| Return on assets (ROA) | 0.4716% | 3,729 |
| Pretax return on assets | 0.5357% | 3,753 |
| Return on Equity (ROE) | 4.2000% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.9860% | 3,274 |
| Net charge-offs to loans | -0.0044% | 3,805 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 84.5912% | 636 |
| Assets per employee ($millions) | 10.8969% | 541 |
| Cash dividends to net income (ytd only)* | 28.9280% | 2,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 3,812 |
| Loan loss allowance to noncurrent loans | 69.7679% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.0386% | 467 |
| Noncurrent loans to loans | 1.2435% | 566 |
| Net loans and leases to total assets | 80.2400% | 618 |
| Net loans and leases to deposits | 99.1555% | 585 |
| Net loans and leases to core deposits | 106.1077% | 1,107 |
| Total domestic deposits to total assets | 80.9300% | 3,318 |
| Equity capital to assets | 11.0407% | 1,456 |
| Core capital (leverage) ratio | 11.0996% | 1,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0939% | 1,837 |
| Memoranda: | ||
| Average total assets | $3,346,774,000 | 360 |
| Average earning assets | $3,237,994,000 | 346 |
| Average equity | $375,684,400 | 329 |
| Average total loans | $2,690,866,200 | 323 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3267% | 1,249 |
| Cost of funding earning assets | 2.1781% | 518 |
| Net interest margin | 3.1487% | 3,028 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 3.0936% | 939 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.5225% | 3,714 |
| Return on assets (ROA) | 0.5225% | 3,700 |
| Pretax return on assets | 0.5889% | 3,757 |
| Return on Equity (ROE) | 4.6300% | 3,876 |
| Retained earnings to average equity (ytd only) | 3.0078% | 3,506 |
| Net charge-offs to loans | -0.0029% | 3,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 82.7571% | 686 |
| Assets per employee ($millions) | 10.1159% | 637 |
| Cash dividends to net income (ytd only)* | 35.0988% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 3,782 |
| Loan loss allowance to noncurrent loans | 73.9356% | 3,443 |
| Noncurrent assets plus other real estate owned to assets | 0.9880% | 534 |
| Noncurrent loans to loans | 1.1966% | 655 |
| Net loans and leases to total assets | 79.1900% | 742 |
| Net loans and leases to deposits | 101.8514% | 438 |
| Net loans and leases to core deposits | 109.2705% | 900 |
| Total domestic deposits to total assets | 77.7500% | 3,848 |
| Equity capital to assets | 10.9319% | 1,373 |
| Core capital (leverage) ratio | 11.3723% | 1,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1573% | 1,835 |
| Memoranda: | ||
| Average total assets | $3,319,890,750 | 367 |
| Average earning assets | $3,211,015,000 | 353 |
| Average equity | $374,260,750 | 333 |
| Average total loans | $2,664,553,000 | 328 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2331% | 1,170 |
| Cost of funding earning assets | 2.0310% | 466 |
| Net interest margin | 3.2021% | 2,993 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 3.1656% | 825 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.4389% | 3,931 |
| Return on assets (ROA) | 0.4389% | 3,937 |
| Pretax return on assets | 0.4856% | 3,991 |
| Return on Equity (ROE) | 3.8500% | 4,044 |
| Retained earnings to average equity (ytd only) | 3.8520% | 3,239 |
| Net charge-offs to loans | -0.0046% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.7439% | 555 |
| Assets per employee ($millions) | 9.7774% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9055% | 3,769 |
| Loan loss allowance to noncurrent loans | 105.7102% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 716 |
| Noncurrent loans to loans | 0.8566% | 888 |
| Net loans and leases to total assets | 79.7900% | 656 |
| Net loans and leases to deposits | 101.2214% | 464 |
| Net loans and leases to core deposits | 106.4183% | 965 |
| Total domestic deposits to total assets | 78.8300% | 3,744 |
| Equity capital to assets | 11.2347% | 1,294 |
| Core capital (leverage) ratio | 11.5718% | 1,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6058% | 1,695 |
| Memoranda: | ||
| Average total assets | $3,276,682,000 | 360 |
| Average earning assets | $3,170,108,667 | 344 |
| Average equity | $373,315,000 | 321 |
| Average total loans | $2,634,103,000 | 319 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 1,075 |
| Cost of funding earning assets | 1.8821% | 382 |
| Net interest margin | 3.2302% | 3,041 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.1825% | 823 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.5017% | 3,895 |
| Return on assets (ROA) | 0.5017% | 3,857 |
| Pretax return on assets | 0.5660% | 3,895 |
| Return on Equity (ROE) | 4.3700% | 3,978 |
| Retained earnings to average equity (ytd only) | 4.3726% | 3,162 |
| Net charge-offs to loans | -0.0131% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 83.1052% | 639 |
| Assets per employee ($millions) | 9.5000% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 3,902 |
| Loan loss allowance to noncurrent loans | 108.8069% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.6911% | 712 |
| Noncurrent loans to loans | 0.8118% | 940 |
| Net loans and leases to total assets | 80.1500% | 525 |
| Net loans and leases to deposits | 97.3395% | 577 |
| Net loans and leases to core deposits | 102.1682% | 995 |
| Total domestic deposits to total assets | 82.3400% | 3,432 |
| Equity capital to assets | 11.2851% | 1,231 |
| Core capital (leverage) ratio | 11.6110% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4519% | 1,807 |
| Memoranda: | ||
| Average total assets | $3,243,095,000 | 375 |
| Average earning assets | $3,139,842,000 | 354 |
| Average equity | $372,136,000 | 334 |
| Average total loans | $2,604,865,000 | 331 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0230% | 1,656 |
| Cost of funding earning assets | 0.7988% | 385 |
| Net interest margin | 3.2242% | 2,795 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 3.1619% | 765 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 0.6003% | 3,882 |
| Return on assets (ROA) | 0.6003% | 3,838 |
| Pretax return on assets | 0.6954% | 3,852 |
| Return on Equity (ROE) | 5.1100% | 3,999 |
| Retained earnings to average equity (ytd only) | 1.6564% | 4,060 |
| Net charge-offs to loans | 0.0078% | 2,105 |
| Credit loss provision to net charge-offs | -1,422.1622% | 4,676 |
| Earnings coverage of net charge-offs (x) | 105.0270% | 955 |
| Efficiency ratio | 83.7641% | 500 |
| Assets per employee ($millions) | 9.1648% | 862 |
| Cash dividends to net income (ytd only)* | 67.5803% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7828% | 4,071 |
| Loan loss allowance to noncurrent loans | 84.3770% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 606 |
| Noncurrent loans to loans | 0.9278% | 799 |
| Net loans and leases to total assets | 79.1200% | 683 |
| Net loans and leases to deposits | 94.9838% | 712 |
| Net loans and leases to core deposits | 99.3770% | 1,036 |
| Total domestic deposits to total assets | 83.2900% | 3,357 |
| Equity capital to assets | 11.6718% | 1,026 |
| Core capital (leverage) ratio | 12.0378% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6420% | 1,751 |
| Memoranda: | ||
| Average total assets | $3,172,305,800 | 377 |
| Average earning assets | $3,055,588,200 | 354 |
| Average equity | $372,727,600 | 328 |
| Average total loans | $2,379,198,400 | 326 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7819% | 1,812 |
| Cost of funding earning assets | 0.6013% | 435 |
| Net interest margin | 3.1806% | 2,682 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 3.1214% | 758 |
| Loan and lease loss provision to assets | -0.1000% | 4,581 |
| Net operating income to assets | 0.7371% | 3,459 |
| Return on assets (ROA) | 0.7371% | 3,404 |
| Pretax return on assets | 0.8190% | 3,535 |
| Return on Equity (ROE) | 6.2600% | 3,743 |
| Retained earnings to average equity (ytd only) | 1.6672% | 4,095 |
| Net charge-offs to loans | -0.0059% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 81.1972% | 703 |
| Assets per employee ($millions) | 9.1911% | 832 |
| Cash dividends to net income (ytd only)* | 73.3793% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,034 |
| Loan loss allowance to noncurrent loans | 76.2171% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.8719% | 560 |
| Noncurrent loans to loans | 1.0817% | 696 |
| Net loans and leases to total assets | 77.6700% | 735 |
| Net loans and leases to deposits | 91.4349% | 797 |
| Net loans and leases to core deposits | 95.1730% | 1,038 |
| Total domestic deposits to total assets | 84.9500% | 3,300 |
| Equity capital to assets | 11.7016% | 938 |
| Core capital (leverage) ratio | 11.9041% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0932% | 1,677 |
| Memoranda: | ||
| Average total assets | $3,172,625,750 | 377 |
| Average earning assets | $3,052,854,750 | 355 |
| Average equity | $373,380,500 | 330 |
| Average total loans | $2,341,859,000 | 330 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 2,154 |
| Cost of funding earning assets | 0.4155% | 832 |
| Net interest margin | 3.0815% | 2,592 |
| Noninterest income to average assets | 0.7669% | 1,134 |
| Noninterest expense to average assets | 3.1220% | 707 |
| Loan and lease loss provision to assets | -0.0352% | 4,477 |
| Net operating income to assets | 0.5960% | 3,634 |
| Return on assets (ROA) | 0.5960% | 3,581 |
| Pretax return on assets | 0.6421% | 3,729 |
| Return on Equity (ROE) | 5.0551% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.0551% | 2,688 |
| Net charge-offs to loans | 0.0030% | 1,964 |
| Credit loss provision to net charge-offs | -1,644.1176% | 3,647 |
| Earnings coverage of net charge-offs (x) | 283.5000% | 422 |
| Efficiency ratio | 83.7152% | 697 |
| Assets per employee ($millions) | 9.0321% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 3,842 |
| Loan loss allowance to noncurrent loans | 71.9980% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9791% | 487 |
| Noncurrent loans to loans | 1.3024% | 605 |
| Net loans and leases to total assets | 74.2116% | 892 |
| Net loans and leases to deposits | 87.5370% | 872 |
| Net loans and leases to core deposits | 91.1631% | 1,057 |
| Total domestic deposits to total assets | 84.7774% | 3,529 |
| Equity capital to assets | 12.0511% | 855 |
| Core capital (leverage) ratio | 11.9051% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0831% | 1,417 |
| Memoranda: | ||
| Average total assets | $3,176,253,333 | 370 |
| Average earning assets | $3,053,125,333 | 353 |
| Average equity | $374,516,333 | 332 |
| Average total loans | $2,297,086,000 | 326 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2906% | 2,413 |
| Cost of funding earning assets | 0.3481% | 1,225 |
| Net interest margin | 2.9426% | 2,699 |
| Noninterest income to average assets | 0.9795% | 705 |
| Noninterest expense to average assets | 3.1762% | 620 |
| Loan and lease loss provision to assets | 0.0320% | 1,789 |
| Net operating income to assets | 0.5875% | 3,434 |
| Return on assets (ROA) | 0.5875% | 3,419 |
| Pretax return on assets | 0.5919% | 3,657 |
| Return on Equity (ROE) | 5.0369% | 3,613 |
| Retained earnings to average equity (ytd only) | 5.0369% | 2,584 |
| Net charge-offs to loans | 0.0048% | 1,590 |
| Credit loss provision to net charge-offs | 948.1481% | 350 |
| Earnings coverage of net charge-offs (x) | 184.7037% | 457 |
| Efficiency ratio | 83.5720% | 884 |
| Assets per employee ($millions) | 9.0168% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,737 |
| Loan loss allowance to noncurrent loans | 76.7285% | 3,592 |
| Noncurrent assets plus other real estate owned to assets | 0.9254% | 577 |
| Noncurrent loans to loans | 1.3020% | 673 |
| Net loans and leases to total assets | 70.1152% | 1,011 |
| Net loans and leases to deposits | 81.8864% | 1,022 |
| Net loans and leases to core deposits | 85.2215% | 1,172 |
| Total domestic deposits to total assets | 85.6250% | 3,370 |
| Equity capital to assets | 11.5935% | 1,094 |
| Core capital (leverage) ratio | 11.7204% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1989% | 1,460 |
| Memoranda: | ||
| Average total assets | $3,197,303,000 | 368 |
| Average earning assets | $3,064,809,000 | 354 |
| Average equity | $372,925,000 | 339 |
| Average total loans | $2,271,667,500 | 331 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8039% | 1,854 |
| Cost of funding earning assets | 0.3970% | 1,564 |
| Net interest margin | 3.4069% | 2,003 |
| Noninterest income to average assets | 2.2055% | 266 |
| Noninterest expense to average assets | 3.5163% | 462 |
| Loan and lease loss provision to assets | -0.0393% | 4,308 |
| Net operating income to assets | 1.7558% | 564 |
| Return on assets (ROA) | 1.7558% | 587 |
| Pretax return on assets | 2.0033% | 599 |
| Return on Equity (ROE) | 15.2253% | 900 |
| Retained earnings to average equity (ytd only) | 11.7454% | 574 |
| Net charge-offs to loans | 0.0221% | 1,817 |
| Credit loss provision to net charge-offs | -239.2857% | 3,559 |
| Earnings coverage of net charge-offs (x) | 119.5278% | 784 |
| Efficiency ratio | 64.1566% | 2,543 |
| Assets per employee ($millions) | 8.8947% | 953 |
| Cash dividends to net income (ytd only)* | 22.8562% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,747 |
| Loan loss allowance to noncurrent loans | 78.9428% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 0.9099% | 644 |
| Noncurrent loans to loans | 1.2689% | 760 |
| Net loans and leases to total assets | 70.5686% | 976 |
| Net loans and leases to deposits | 83.0920% | 980 |
| Net loans and leases to core deposits | 86.6484% | 1,161 |
| Total domestic deposits to total assets | 84.9283% | 3,296 |
| Equity capital to assets | 11.7329% | 1,374 |
| Core capital (leverage) ratio | 11.8631% | 1,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4308% | 1,407 |
| Memoranda: | ||
| Average total assets | $3,067,289,200 | 367 |
| Average earning assets | $2,948,418,000 | 354 |
| Average equity | $353,714,000 | 354 |
| Average total loans | $2,279,712,200 | 327 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6671% | 2,360 |
| Cost of funding earning assets | 0.4094% | 1,628 |
| Net interest margin | 3.2577% | 2,555 |
| Noninterest income to average assets | 2.4535% | 248 |
| Noninterest expense to average assets | 3.2538% | 642 |
| Loan and lease loss provision to assets | -0.0256% | 4,372 |
| Net operating income to assets | 2.0713% | 412 |
| Return on assets (ROA) | 2.0713% | 436 |
| Pretax return on assets | 2.3581% | 418 |
| Return on Equity (ROE) | 18.0433% | 627 |
| Retained earnings to average equity (ytd only) | 13.3444% | 589 |
| Net charge-offs to loans | -0.0006% | 3,091 |
| Credit loss provision to net charge-offs | 5,850.0000% | 134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2404% | 3,226 |
| Assets per employee ($millions) | 8.4150% | 1,081 |
| Cash dividends to net income (ytd only)* | 26.0425% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 3,861 |
| Loan loss allowance to noncurrent loans | 129.2597% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 0.6129% | 1,245 |
| Noncurrent loans to loans | 0.7709% | 1,467 |
| Net loans and leases to total assets | 78.0954% | 401 |
| Net loans and leases to deposits | 92.3792% | 476 |
| Net loans and leases to core deposits | 96.5422% | 723 |
| Total domestic deposits to total assets | 84.5378% | 3,286 |
| Equity capital to assets | 12.1177% | 1,349 |
| Core capital (leverage) ratio | 11.9293% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4652% | 1,810 |
| Memoranda: | ||
| Average total assets | $3,042,483,250 | 373 |
| Average earning assets | $2,925,884,500 | 357 |
| Average equity | $349,261,750 | 356 |
| Average total loans | $2,285,346,500 | 328 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 2,596 |
| Cost of funding earning assets | 0.4169% | 1,749 |
| Net interest margin | 3.1921% | 2,778 |
| Noninterest income to average assets | 2.5306% | 238 |
| Noninterest expense to average assets | 3.2351% | 680 |
| Loan and lease loss provision to assets | -0.0031% | 4,388 |
| Net operating income to assets | 2.0889% | 415 |
| Return on assets (ROA) | 2.0889% | 435 |
| Pretax return on assets | 2.3738% | 425 |
| Return on Equity (ROE) | 18.5370% | 590 |
| Retained earnings to average equity (ytd only) | 11.3735% | 1,039 |
| Net charge-offs to loans | -0.0023% | 3,224 |
| Credit loss provision to net charge-offs | 184.6154% | 1,079 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7044% | 3,323 |
| Assets per employee ($millions) | 8.5475% | 989 |
| Cash dividends to net income (ytd only)* | 38.6444% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0369% | 3,689 |
| Loan loss allowance to noncurrent loans | 116.5875% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 1,193 |
| Noncurrent loans to loans | 0.8893% | 1,387 |
| Net loans and leases to total assets | 76.2139% | 569 |
| Net loans and leases to deposits | 89.4186% | 684 |
| Net loans and leases to core deposits | 93.7157% | 917 |
| Total domestic deposits to total assets | 85.2327% | 3,005 |
| Equity capital to assets | 11.5271% | 1,613 |
| Core capital (leverage) ratio | 11.3375% | 1,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3466% | 1,850 |
| Memoranda: | ||
| Average total assets | $3,049,650,667 | 370 |
| Average earning assets | $2,937,891,333 | 352 |
| Average equity | $343,658,000 | 358 |
| Average total loans | $2,252,798,333 | 332 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6323% | 2,539 |
| Cost of funding earning assets | 0.4246% | 1,904 |
| Net interest margin | 3.2077% | 2,670 |
| Noninterest income to average assets | 2.6528% | 246 |
| Noninterest expense to average assets | 3.2333% | 677 |
| Loan and lease loss provision to assets | 0.0696% | 1,768 |
| Net operating income to assets | 2.1465% | 451 |
| Return on assets (ROA) | 2.1465% | 490 |
| Pretax return on assets | 2.4432% | 483 |
| Return on Equity (ROE) | 19.2681% | 593 |
| Retained earnings to average equity (ytd only) | 19.2681% | 300 |
| Net charge-offs to loans | -0.0036% | 3,274 |
| Credit loss provision to net charge-offs | -2,655.0000% | 3,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2624% | 3,517 |
| Assets per employee ($millions) | 9.0320% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 3,405 |
| Loan loss allowance to noncurrent loans | 127.4927% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 1,494 |
| Noncurrent loans to loans | 0.8671% | 1,555 |
| Net loans and leases to total assets | 72.2350% | 986 |
| Net loans and leases to deposits | 84.4072% | 1,104 |
| Net loans and leases to core deposits | 88.9112% | 1,296 |
| Total domestic deposits to total assets | 85.5792% | 2,900 |
| Equity capital to assets | 11.2973% | 1,663 |
| Core capital (leverage) ratio | 11.3807% | 1,484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8649% | 1,613 |
| Memoranda: | ||
| Average total assets | $3,053,021,500 | 368 |
| Average earning assets | $2,944,032,500 | 348 |
| Average equity | $340,107,000 | 359 |
| Average total loans | $2,207,489,000 | 340 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 2,872 |
| Cost of funding earning assets | 0.6440% | 2,038 |
| Net interest margin | 3.3093% | 3,047 |
| Noninterest income to average assets | 1.6700% | 449 |
| Noninterest expense to average assets | 3.1907% | 1,072 |
| Loan and lease loss provision to assets | 0.2440% | 1,590 |
| Net operating income to assets | 1.2690% | 1,340 |
| Return on assets (ROA) | 1.2690% | 1,442 |
| Pretax return on assets | 1.4434% | 1,532 |
| Return on Equity (ROE) | 11.6097% | 1,442 |
| Retained earnings to average equity (ytd only) | 9.3124% | 711 |
| Net charge-offs to loans | -0.0216% | 4,444 |
| Credit loss provision to net charge-offs | -1,491.1828% | 4,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4005% | 2,619 |
| Assets per employee ($millions) | 9.0329% | 733 |
| Cash dividends to net income (ytd only)* | 19.7876% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 3,341 |
| Loan loss allowance to noncurrent loans | 117.3972% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 1,516 |
| Noncurrent loans to loans | 0.9567% | 1,478 |
| Net loans and leases to total assets | 70.7533% | 1,461 |
| Net loans and leases to deposits | 82.6050% | 1,590 |
| Net loans and leases to core deposits | 87.8144% | 1,708 |
| Total domestic deposits to total assets | 85.6525% | 2,510 |
| Equity capital to assets | 10.9737% | 2,272 |
| Core capital (leverage) ratio | 11.1698% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5976% | 1,654 |
| Memoranda: | ||
| Average total assets | $2,841,475,400 | 361 |
| Average earning assets | $2,754,684,000 | 338 |
| Average equity | $310,586,200 | 354 |
| Average total loans | $2,148,638,400 | 333 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9451% | 3,132 |
| Cost of funding earning assets | 0.7054% | 1,997 |
| Net interest margin | 3.2397% | 3,368 |
| Noninterest income to average assets | 1.2733% | 673 |
| Noninterest expense to average assets | 3.1579% | 1,144 |
| Loan and lease loss provision to assets | 0.2707% | 1,498 |
| Net operating income to assets | 0.8728% | 2,803 |
| Return on assets (ROA) | 0.8728% | 2,935 |
| Pretax return on assets | 0.9907% | 3,104 |
| Return on Equity (ROE) | 7.9937% | 2,809 |
| Retained earnings to average equity (ytd only) | 4.8769% | 2,618 |
| Net charge-offs to loans | -0.0234% | 4,464 |
| Credit loss provision to net charge-offs | -1,509.3085% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4486% | 1,705 |
| Assets per employee ($millions) | 8.3971% | 875 |
| Cash dividends to net income (ytd only)* | 38.9912% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,384 |
| Loan loss allowance to noncurrent loans | 199.3924% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.4097% | 2,530 |
| Noncurrent loans to loans | 0.5345% | 2,462 |
| Net loans and leases to total assets | 74.9167% | 1,249 |
| Net loans and leases to deposits | 87.5780% | 1,536 |
| Net loans and leases to core deposits | 93.8388% | 1,654 |
| Total domestic deposits to total assets | 85.5428% | 2,239 |
| Equity capital to assets | 11.0433% | 2,366 |
| Core capital (leverage) ratio | 10.8911% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5374% | 1,985 |
| Memoranda: | ||
| Average total assets | $2,795,337,250 | 355 |
| Average earning assets | $2,714,532,500 | 331 |
| Average equity | $305,216,000 | 356 |
| Average total loans | $2,144,464,500 | 329 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,300 |
| Cost of funding earning assets | 0.8017% | 1,817 |
| Net interest margin | 3.2075% | 3,651 |
| Noninterest income to average assets | 1.1594% | 741 |
| Noninterest expense to average assets | 3.0195% | 1,525 |
| Loan and lease loss provision to assets | 0.4172% | 948 |
| Net operating income to assets | 0.7247% | 3,301 |
| Return on assets (ROA) | 0.7247% | 3,408 |
| Pretax return on assets | 0.8415% | 3,468 |
| Return on Equity (ROE) | 6.6632% | 3,265 |
| Retained earnings to average equity (ytd only) | 1.9406% | 3,785 |
| Net charge-offs to loans | -0.0236% | 4,461 |
| Credit loss provision to net charge-offs | -2,290.5138% | 3,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5716% | 1,869 |
| Assets per employee ($millions) | 8.5934% | 783 |
| Cash dividends to net income (ytd only)* | 70.8751% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 3,411 |
| Loan loss allowance to noncurrent loans | 225.0759% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.3672% | 2,823 |
| Noncurrent loans to loans | 0.4575% | 2,773 |
| Net loans and leases to total assets | 77.3787% | 939 |
| Net loans and leases to deposits | 90.2719% | 1,332 |
| Net loans and leases to core deposits | 96.8151% | 1,516 |
| Total domestic deposits to total assets | 85.7174% | 2,117 |
| Equity capital to assets | 10.7394% | 2,536 |
| Core capital (leverage) ratio | 10.7388% | 2,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0267% | 2,170 |
| Memoranda: | ||
| Average total assets | $2,778,239,333 | 350 |
| Average earning assets | $2,701,389,333 | 328 |
| Average equity | $302,167,333 | 355 |
| Average total loans | $2,140,761,333 | 323 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1827% | 3,278 |
| Cost of funding earning assets | 1.0674% | 1,154 |
| Net interest margin | 3.1153% | 4,059 |
| Noninterest income to average assets | 0.3001% | 3,714 |
| Noninterest expense to average assets | 3.0245% | 1,826 |
| Loan and lease loss provision to assets | 0.6995% | 378 |
| Net operating income to assets | -0.3441% | 4,895 |
| Return on assets (ROA) | -0.3441% | 4,868 |
| Pretax return on assets | -0.3866% | 4,859 |
| Return on Equity (ROE) | -3.1434% | 4,877 |
| Retained earnings to average equity (ytd only) | -3.1434% | 4,372 |
| Net charge-offs to loans | -0.0731% | 4,745 |
| Credit loss provision to net charge-offs | -1,251.4360% | 3,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6113% | 479 |
| Assets per employee ($millions) | 8.4420% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 3,459 |
| Loan loss allowance to noncurrent loans | 268.8527% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3241% | 3,151 |
| Noncurrent loans to loans | 0.3895% | 3,090 |
| Net loans and leases to total assets | 74.9425% | 1,467 |
| Net loans and leases to deposits | 87.2728% | 1,831 |
| Net loans and leases to core deposits | 94.6560% | 1,911 |
| Total domestic deposits to total assets | 85.8716% | 2,045 |
| Equity capital to assets | 10.7552% | 3,093 |
| Core capital (leverage) ratio | 10.8634% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9416% | 2,314 |
| Memoranda: | ||
| Average total assets | $2,740,853,500 | 342 |
| Average earning assets | $2,672,220,000 | 326 |
| Average equity | $300,053,500 | 356 |
| Average total loans | $2,095,845,500 | 322 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 3,078 |
| Cost of funding earning assets | 1.2958% | 774 |
| Net interest margin | 3.1669% | 4,257 |
| Noninterest income to average assets | 1.5161% | 404 |
| Noninterest expense to average assets | 3.5129% | 949 |
| Loan and lease loss provision to assets | 0.0549% | 2,929 |
| Net operating income to assets | 0.9188% | 3,128 |
| Return on assets (ROA) | 0.9188% | 3,205 |
| Pretax return on assets | 1.0278% | 3,394 |
| Return on Equity (ROE) | 8.2484% | 3,058 |
| Retained earnings to average equity (ytd only) | 7.0274% | 1,376 |
| Net charge-offs to loans | -0.0215% | 4,642 |
| Credit loss provision to net charge-offs | -337.9147% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4308% | 1,314 |
| Assets per employee ($millions) | 8.2438% | 652 |
| Cash dividends to net income (ytd only)* | 14.8038% | 3,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8128% | 4,268 |
| Loan loss allowance to noncurrent loans | 189.6973% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 2,933 |
| Noncurrent loans to loans | 0.4285% | 2,914 |
| Net loans and leases to total assets | 76.5988% | 1,312 |
| Net loans and leases to deposits | 90.0000% | 1,592 |
| Net loans and leases to core deposits | 98.3115% | 1,706 |
| Total domestic deposits to total assets | 85.1097% | 2,449 |
| Equity capital to assets | 11.1511% | 2,855 |
| Core capital (leverage) ratio | 11.2344% | 2,305 |
| Tier 1 risk-based capital ratio | 13.6588% | 3,432 |
| Total risk-based capital ratio | 14.4598% | 3,569 |
| Memoranda: | ||
| Average total assets | $2,595,911,000 | 348 |
| Average earning assets | $2,524,375,200 | 330 |
| Average equity | $289,169,800 | 354 |
| Average total loans | $1,960,226,000 | 329 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 3,036 |
| Cost of funding earning assets | 1.3251% | 729 |
| Net interest margin | 3.1820% | 4,341 |
| Noninterest income to average assets | 1.4738% | 416 |
| Noninterest expense to average assets | 3.4498% | 1,011 |
| Loan and lease loss provision to assets | 0.0970% | 1,966 |
| Net operating income to assets | 0.9049% | 3,328 |
| Return on assets (ROA) | 0.9049% | 3,400 |
| Pretax return on assets | 1.0190% | 3,530 |
| Return on Equity (ROE) | 8.1257% | 3,250 |
| Retained earnings to average equity (ytd only) | 6.4813% | 2,129 |
| Net charge-offs to loans | -0.0276% | 4,673 |
| Credit loss provision to net charge-offs | -468.9223% | 4,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5480% | 1,384 |
| Assets per employee ($millions) | 7.9189% | 713 |
| Cash dividends to net income (ytd only)* | 20.2361% | 3,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 4,202 |
| Loan loss allowance to noncurrent loans | 148.7479% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 2,461 |
| Noncurrent loans to loans | 0.5771% | 2,566 |
| Net loans and leases to total assets | 76.4261% | 1,410 |
| Net loans and leases to deposits | 90.8414% | 1,587 |
| Net loans and leases to core deposits | 99.8006% | 1,673 |
| Total domestic deposits to total assets | 84.1314% | 2,775 |
| Equity capital to assets | 11.2397% | 2,883 |
| Core capital (leverage) ratio | 11.2181% | 2,456 |
| Tier 1 risk-based capital ratio | 13.6505% | 3,506 |
| Total risk-based capital ratio | 14.4876% | 3,626 |
| Memoranda: | ||
| Average total assets | $2,570,960,250 | 352 |
| Average earning assets | $2,498,244,000 | 336 |
| Average equity | $286,312,000 | 358 |
| Average total loans | $1,929,831,250 | 336 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 3,027 |
| Cost of funding earning assets | 1.3179% | 699 |
| Net interest margin | 3.1785% | 4,404 |
| Noninterest income to average assets | 1.0755% | 737 |
| Noninterest expense to average assets | 3.3016% | 1,281 |
| Loan and lease loss provision to assets | 0.0816% | 2,208 |
| Net operating income to assets | 0.6949% | 4,017 |
| Return on assets (ROA) | 0.6949% | 4,079 |
| Pretax return on assets | 0.7789% | 4,142 |
| Return on Equity (ROE) | 6.2600% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.2600% | 2,168 |
| Net charge-offs to loans | -0.0280% | 4,658 |
| Credit loss provision to net charge-offs | -391.7293% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3167% | 1,029 |
| Assets per employee ($millions) | 7.9423% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 4,366 |
| Loan loss allowance to noncurrent loans | 143.0867% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 0.6729% | 2,032 |
| Noncurrent loans to loans | 0.5730% | 2,538 |
| Net loans and leases to total assets | 74.9283% | 1,737 |
| Net loans and leases to deposits | 88.4371% | 1,951 |
| Net loans and leases to core deposits | 97.3014% | 1,946 |
| Total domestic deposits to total assets | 84.7249% | 2,587 |
| Equity capital to assets | 10.9426% | 3,133 |
| Core capital (leverage) ratio | 10.8646% | 2,725 |
| Tier 1 risk-based capital ratio | 13.9735% | 3,332 |
| Total risk-based capital ratio | 14.7944% | 3,455 |
| Memoranda: | ||
| Average total assets | $2,554,231,670 | 356 |
| Average earning assets | $2,480,365,000 | 337 |
| Average equity | $283,546,000 | 360 |
| Average total loans | $1,899,580,330 | 343 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 3,037 |
| Cost of funding earning assets | 1.2464% | 776 |
| Net interest margin | 3.2076% | 4,370 |
| Noninterest income to average assets | 1.1477% | 610 |
| Noninterest expense to average assets | 3.4178% | 1,087 |
| Loan and lease loss provision to assets | 0.0979% | 1,790 |
| Net operating income to assets | 0.6666% | 4,037 |
| Return on assets (ROA) | 0.6666% | 4,074 |
| Pretax return on assets | 0.7453% | 4,184 |
| Return on Equity (ROE) | 5.9598% | 4,031 |
| Retained earnings to average equity (ytd only) | 5.9598% | 2,469 |
| Net charge-offs to loans | -0.0443% | 4,801 |
| Credit loss provision to net charge-offs | -299.5122% | 3,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2035% | 1,045 |
| Assets per employee ($millions) | 8.0217% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 4,391 |
| Loan loss allowance to noncurrent loans | 139.4367% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 2,055 |
| Noncurrent loans to loans | 0.6014% | 2,532 |
| Net loans and leases to total assets | 71.2102% | 2,299 |
| Net loans and leases to deposits | 83.6736% | 2,421 |
| Net loans and leases to core deposits | 90.9966% | 2,400 |
| Total domestic deposits to total assets | 85.1047% | 2,646 |
| Equity capital to assets | 10.7298% | 3,132 |
| Core capital (leverage) ratio | 11.2824% | 2,307 |
| Tier 1 risk-based capital ratio | 14.3906% | 3,152 |
| Total risk-based capital ratio | 15.2225% | 3,265 |
| Memoranda: | ||
| Average total assets | $2,508,957,500 | 363 |
| Average earning assets | $2,435,219,000 | 344 |
| Average equity | $280,615,500 | 363 |
| Average total loans | $1,850,335,500 | 351 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3557% | 2,910 |
| Cost of funding earning assets | 0.9229% | 1,014 |
| Net interest margin | 3.4328% | 3,902 |
| Noninterest income to average assets | 1.0475% | 863 |
| Noninterest expense to average assets | 3.7269% | 747 |
| Loan and lease loss provision to assets | 0.0330% | 3,533 |
| Net operating income to assets | 0.5511% | 4,547 |
| Return on assets (ROA) | 0.5493% | 4,543 |
| Pretax return on assets | 0.6149% | 4,608 |
| Return on Equity (ROE) | 4.7008% | 4,526 |
| Retained earnings to average equity (ytd only) | 3.6485% | 3,573 |
| Net charge-offs to loans | 0.0489% | 2,456 |
| Credit loss provision to net charge-offs | 88.8506% | 2,735 |
| Earnings coverage of net charge-offs (x) | 17.4920% | 2,195 |
| Efficiency ratio | 85.1398% | 573 |
| Assets per employee ($millions) | 7.0381% | 960 |
| Cash dividends to net income (ytd only)* | 22.3855% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 4,419 |
| Loan loss allowance to noncurrent loans | 121.8692% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 1,769 |
| Noncurrent loans to loans | 0.6851% | 2,274 |
| Net loans and leases to total assets | 75.2616% | 1,732 |
| Net loans and leases to deposits | 90.1322% | 1,780 |
| Net loans and leases to core deposits | 98.8345% | 1,803 |
| Total domestic deposits to total assets | 83.5014% | 3,159 |
| Equity capital to assets | 11.6921% | 2,100 |
| Core capital (leverage) ratio | 12.0755% | 1,682 |
| Tier 1 risk-based capital ratio | 14.8415% | 2,912 |
| Total risk-based capital ratio | 15.6748% | 3,016 |
| Memoranda: | ||
| Average total assets | $2,341,268,000 | 373 |
| Average earning assets | $2,270,764,000 | 357 |
| Average equity | $273,591,400 | 363 |
| Average total loans | $1,780,244,400 | 356 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 3,032 |
| Cost of funding earning assets | 0.8791% | 1,003 |
| Net interest margin | 3.4023% | 4,000 |
| Noninterest income to average assets | 1.2350% | 632 |
| Noninterest expense to average assets | 3.7505% | 710 |
| Loan and lease loss provision to assets | 0.0173% | 3,668 |
| Net operating income to assets | 0.6764% | 4,300 |
| Return on assets (ROA) | 0.6740% | 4,321 |
| Pretax return on assets | 0.7647% | 4,387 |
| Return on Equity (ROE) | 5.7687% | 4,336 |
| Retained earnings to average equity (ytd only) | 4.3598% | 3,576 |
| Net charge-offs to loans | 0.0466% | 2,165 |
| Credit loss provision to net charge-offs | 48.8710% | 2,840 |
| Earnings coverage of net charge-offs (x) | 22.1386% | 1,892 |
| Efficiency ratio | 82.6853% | 729 |
| Assets per employee ($millions) | 6.9204% | 965 |
| Cash dividends to net income (ytd only)* | 24.4231% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 4,470 |
| Loan loss allowance to noncurrent loans | 92.0779% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9588% | 1,524 |
| Noncurrent loans to loans | 0.9214% | 1,855 |
| Net loans and leases to total assets | 74.4377% | 1,915 |
| Net loans and leases to deposits | 88.3220% | 2,111 |
| Net loans and leases to core deposits | 95.7086% | 2,146 |
| Total domestic deposits to total assets | 84.2800% | 2,860 |
| Equity capital to assets | 11.8210% | 2,022 |
| Core capital (leverage) ratio | 12.0393% | 1,762 |
| Tier 1 risk-based capital ratio | 15.0766% | 2,845 |
| Total risk-based capital ratio | 15.9111% | 2,966 |
| Memoranda: | ||
| Average total assets | $2,331,869,500 | 373 |
| Average earning assets | $2,261,925,500 | 358 |
| Average equity | $272,454,250 | 360 |
| Average total loans | $1,773,944,500 | 357 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 3,118 |
| Cost of funding earning assets | 0.8398% | 966 |
| Net interest margin | 3.3575% | 4,083 |
| Noninterest income to average assets | 1.1773% | 689 |
| Noninterest expense to average assets | 3.6876% | 775 |
| Loan and lease loss provision to assets | 0.0123% | 3,615 |
| Net operating income to assets | 0.6241% | 4,427 |
| Return on assets (ROA) | 0.6241% | 4,429 |
| Pretax return on assets | 0.7346% | 4,423 |
| Return on Equity (ROE) | 5.3623% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.3623% | 2,897 |
| Net charge-offs to loans | -0.0134% | 4,415 |
| Credit loss provision to net charge-offs | -120.1681% | 4,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1489% | 747 |
| Assets per employee ($millions) | 6.4049% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 4,538 |
| Loan loss allowance to noncurrent loans | 63.2293% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 1,402 |
| Noncurrent loans to loans | 1.3512% | 1,256 |
| Net loans and leases to total assets | 77.0323% | 1,463 |
| Net loans and leases to deposits | 89.2060% | 1,948 |
| Net loans and leases to core deposits | 96.1399% | 2,050 |
| Total domestic deposits to total assets | 86.3532% | 2,116 |
| Equity capital to assets | 11.8015% | 1,991 |
| Core capital (leverage) ratio | 11.6801% | 1,922 |
| Tier 1 risk-based capital ratio | 14.6006% | 3,069 |
| Total risk-based capital ratio | 15.4420% | 3,182 |
| Memoranda: | ||
| Average total assets | $2,331,765,670 | 375 |
| Average earning assets | $2,262,035,000 | 357 |
| Average equity | $271,376,670 | 357 |
| Average total loans | $1,781,633,670 | 356 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,534 |
| Cost of funding earning assets | 0.7787% | 1,055 |
| Net interest margin | 3.2430% | 4,332 |
| Noninterest income to average assets | 1.2815% | 568 |
| Noninterest expense to average assets | 3.6035% | 868 |
| Loan and lease loss provision to assets | 0.1065% | 1,752 |
| Net operating income to assets | 0.6441% | 4,301 |
| Return on assets (ROA) | 0.6441% | 4,311 |
| Pretax return on assets | 0.7196% | 4,384 |
| Return on Equity (ROE) | 5.5730% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.5730% | 2,919 |
| Net charge-offs to loans | 0.0029% | 2,632 |
| Credit loss provision to net charge-offs | 4,784.6154% | 77 |
| Earnings coverage of net charge-offs (x) | 371.0000% | 183 |
| Efficiency ratio | 81.3380% | 1,016 |
| Assets per employee ($millions) | 6.8966% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,551 |
| Loan loss allowance to noncurrent loans | 50.9657% | 4,437 |
| Noncurrent assets plus other real estate owned to assets | 1.3072% | 1,137 |
| Noncurrent loans to loans | 1.7180% | 995 |
| Net loans and leases to total assets | 74.6483% | 1,763 |
| Net loans and leases to deposits | 85.8468% | 2,183 |
| Net loans and leases to core deposits | 94.7461% | 2,077 |
| Total domestic deposits to total assets | 86.9552% | 2,142 |
| Equity capital to assets | 11.3288% | 2,277 |
| Core capital (leverage) ratio | 11.7743% | 1,796 |
| Tier 1 risk-based capital ratio | 14.3286% | 3,212 |
| Total risk-based capital ratio | 15.1827% | 3,333 |
| Memoranda: | ||
| Average total assets | $2,335,165,000 | 379 |
| Average earning assets | $2,266,886,000 | 359 |
| Average equity | $269,874,000 | 358 |
| Average total loans | $1,769,246,500 | 359 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,336 |
| Cost of funding earning assets | 0.6878% | 1,088 |
| Net interest margin | 3.3327% | 4,062 |
| Noninterest income to average assets | 1.3239% | 602 |
| Noninterest expense to average assets | 3.7443% | 743 |
| Loan and lease loss provision to assets | 0.1310% | 1,751 |
| Net operating income to assets | 0.6139% | 3,953 |
| Return on assets (ROA) | 0.6139% | 3,995 |
| Pretax return on assets | 0.6784% | 4,564 |
| Return on Equity (ROE) | 5.2372% | 4,070 |
| Retained earnings to average equity (ytd only) | 2.3945% | 3,897 |
| Net charge-offs to loans | 0.2708% | 962 |
| Credit loss provision to net charge-offs | 66.2381% | 3,146 |
| Earnings coverage of net charge-offs (x) | 4.0920% | 3,519 |
| Efficiency ratio | 82.2164% | 915 |
| Assets per employee ($millions) | 6.5052% | 1,205 |
| Cash dividends to net income (ytd only)* | 54.2780% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,583 |
| Loan loss allowance to noncurrent loans | 46.7995% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4386% | 974 |
| Noncurrent loans to loans | 1.8670% | 844 |
| Net loans and leases to total assets | 75.5932% | 1,668 |
| Net loans and leases to deposits | 87.6701% | 2,053 |
| Net loans and leases to core deposits | 97.6207% | 1,889 |
| Total domestic deposits to total assets | 86.2246% | 2,340 |
| Equity capital to assets | 11.7972% | 1,980 |
| Core capital (leverage) ratio | 11.9185% | 1,653 |
| Tier 1 risk-based capital ratio | 14.5996% | 3,041 |
| Total risk-based capital ratio | 15.4470% | 3,157 |
| Memoranda: | ||
| Average total assets | $2,280,651,600 | 369 |
| Average earning assets | $2,210,238,200 | 350 |
| Average equity | $267,357,600 | 350 |
| Average total loans | $1,665,659,200 | 360 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0023% | 3,348 |
| Cost of funding earning assets | 0.6712% | 1,117 |
| Net interest margin | 3.3311% | 4,073 |
| Noninterest income to average assets | 1.4587% | 504 |
| Noninterest expense to average assets | 3.7459% | 726 |
| Loan and lease loss provision to assets | 0.1762% | 1,142 |
| Net operating income to assets | 0.6963% | 4,004 |
| Return on assets (ROA) | 0.6963% | 4,069 |
| Pretax return on assets | 0.7638% | 4,445 |
| Return on Equity (ROE) | 5.9494% | 4,146 |
| Retained earnings to average equity (ytd only) | 2.1549% | 4,567 |
| Net charge-offs to loans | 0.3114% | 675 |
| Credit loss provision to net charge-offs | 78.3580% | 2,610 |
| Earnings coverage of net charge-offs (x) | 4.1795% | 3,258 |
| Efficiency ratio | 79.9284% | 1,116 |
| Assets per employee ($millions) | 6.5858% | 1,136 |
| Cash dividends to net income (ytd only)* | 63.7798% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9575% | 4,290 |
| Loan loss allowance to noncurrent loans | 41.2499% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.7142% | 838 |
| Noncurrent loans to loans | 2.3212% | 682 |
| Net loans and leases to total assets | 72.4175% | 2,199 |
| Net loans and leases to deposits | 84.0390% | 2,556 |
| Net loans and leases to core deposits | 92.3945% | 2,402 |
| Total domestic deposits to total assets | 86.1713% | 2,242 |
| Equity capital to assets | 11.7975% | 2,111 |
| Core capital (leverage) ratio | 11.8685% | 1,772 |
| Tier 1 risk-based capital ratio | 14.8401% | 2,994 |
| Total risk-based capital ratio | 15.7506% | 3,095 |
| Memoranda: | ||
| Average total assets | $2,281,610,500 | 369 |
| Average earning assets | $2,210,476,000 | 351 |
| Average equity | $267,046,750 | 354 |
| Average total loans | $1,648,002,000 | 365 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9903% | 3,238 |
| Cost of funding earning assets | 0.6436% | 1,182 |
| Net interest margin | 3.3467% | 3,961 |
| Noninterest income to average assets | 1.3273% | 599 |
| Noninterest expense to average assets | 3.7019% | 770 |
| Loan and lease loss provision to assets | 0.1257% | 1,651 |
| Net operating income to assets | 0.6581% | 4,039 |
| Return on assets (ROA) | 0.6581% | 4,099 |
| Pretax return on assets | 0.7401% | 4,453 |
| Return on Equity (ROE) | 5.6373% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.6373% | 2,330 |
| Net charge-offs to loans | 0.2721% | 745 |
| Credit loss provision to net charge-offs | 64.2091% | 2,426 |
| Earnings coverage of net charge-offs (x) | 4.4236% | 2,932 |
| Efficiency ratio | 81.0362% | 1,105 |
| Assets per employee ($millions) | 6.6459% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 4,403 |
| Loan loss allowance to noncurrent loans | 44.6257% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 1.5714% | 952 |
| Noncurrent loans to loans | 2.1349% | 769 |
| Net loans and leases to total assets | 72.0633% | 2,197 |
| Net loans and leases to deposits | 83.4352% | 2,552 |
| Net loans and leases to core deposits | 91.8126% | 2,354 |
| Total domestic deposits to total assets | 86.3704% | 2,210 |
| Equity capital to assets | 11.8018% | 2,072 |
| Core capital (leverage) ratio | 11.8552% | 1,727 |
| Tier 1 risk-based capital ratio | 14.5522% | 3,134 |
| Total risk-based capital ratio | 15.4344% | 3,239 |
| Memoranda: | ||
| Average total assets | $2,286,976,330 | 371 |
| Average earning assets | $2,214,333,670 | 353 |
| Average equity | $266,971,330 | 354 |
| Average total loans | $1,645,172,670 | 365 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 3,891 |
| Cost of funding earning assets | 0.6179% | 1,252 |
| Net interest margin | 3.1461% | 4,513 |
| Noninterest income to average assets | 1.3128% | 594 |
| Noninterest expense to average assets | 3.5756% | 927 |
| Loan and lease loss provision to assets | -0.0306% | 5,689 |
| Net operating income to assets | 0.7284% | 3,570 |
| Return on assets (ROA) | 0.7284% | 3,619 |
| Pretax return on assets | 0.8138% | 4,066 |
| Return on Equity (ROE) | 6.2740% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.2740% | 2,199 |
| Net charge-offs to loans | 0.2071% | 841 |
| Credit loss provision to net charge-offs | -20.6856% | 3,812 |
| Earnings coverage of net charge-offs (x) | 5.2861% | 2,308 |
| Efficiency ratio | 82.0202% | 1,156 |
| Assets per employee ($millions) | 6.7152% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 4,476 |
| Loan loss allowance to noncurrent loans | 55.3542% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 1,383 |
| Noncurrent loans to loans | 1.7402% | 1,099 |
| Net loans and leases to total assets | 68.7548% | 2,564 |
| Net loans and leases to deposits | 79.4997% | 2,808 |
| Net loans and leases to core deposits | 87.1201% | 2,629 |
| Total domestic deposits to total assets | 86.4844% | 2,450 |
| Equity capital to assets | 11.4047% | 2,250 |
| Core capital (leverage) ratio | 11.6521% | 1,852 |
| Tier 1 risk-based capital ratio | 15.0247% | 2,954 |
| Total risk-based capital ratio | 15.9355% | 3,049 |
| Memoranda: | ||
| Average total assets | $2,284,042,000 | 373 |
| Average earning assets | $2,211,384,000 | 357 |
| Average equity | $265,159,000 | 357 |
| Average total loans | $1,633,662,500 | 366 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 2,915 |
| Cost of funding earning assets | 0.5775% | 1,501 |
| Net interest margin | 3.5079% | 3,393 |
| Noninterest income to average assets | 1.6920% | 425 |
| Noninterest expense to average assets | 3.9513% | 647 |
| Loan and lease loss provision to assets | 0.1918% | 1,219 |
| Net operating income to assets | 0.8423% | 3,100 |
| Return on assets (ROA) | 0.8423% | 3,213 |
| Pretax return on assets | 0.9346% | 3,712 |
| Return on Equity (ROE) | 7.1391% | 3,395 |
| Retained earnings to average equity (ytd only) | 5.7330% | 1,864 |
| Net charge-offs to loans | 0.0069% | 4,022 |
| Credit loss provision to net charge-offs | 3,527.1186% | 123 |
| Earnings coverage of net charge-offs (x) | 207.1441% | 334 |
| Efficiency ratio | 77.8073% | 1,720 |
| Assets per employee ($millions) | 6.6196% | 1,093 |
| Cash dividends to net income (ytd only)* | 19.6958% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 4,208 |
| Loan loss allowance to noncurrent loans | 46.1326% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 1.6872% | 915 |
| Noncurrent loans to loans | 2.2061% | 773 |
| Net loans and leases to total assets | 72.9974% | 2,014 |
| Net loans and leases to deposits | 86.4515% | 2,109 |
| Net loans and leases to core deposits | 96.0633% | 1,921 |
| Total domestic deposits to total assets | 84.4374% | 3,259 |
| Equity capital to assets | 11.8131% | 1,927 |
| Core capital (leverage) ratio | 12.1651% | 1,502 |
| Tier 1 risk-based capital ratio | 14.5913% | 3,156 |
| Total risk-based capital ratio | 15.5493% | 3,216 |
| Memoranda: | ||
| Average total assets | $2,169,950,800 | 375 |
| Average earning assets | $2,094,365,200 | 358 |
| Average equity | $256,025,000 | 354 |
| Average total loans | $1,722,512,000 | 337 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 2,858 |
| Cost of funding earning assets | 0.5771% | 1,503 |
| Net interest margin | 3.5274% | 3,368 |
| Noninterest income to average assets | 1.8203% | 402 |
| Noninterest expense to average assets | 3.9335% | 642 |
| Loan and lease loss provision to assets | 0.2927% | 585 |
| Net operating income to assets | 0.9041% | 2,885 |
| Return on assets (ROA) | 0.9041% | 3,025 |
| Pretax return on assets | 0.9957% | 3,647 |
| Return on Equity (ROE) | 7.6650% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.7778% | 2,315 |
| Net charge-offs to loans | 0.0060% | 3,700 |
| Credit loss provision to net charge-offs | 5,992.4051% | 93 |
| Earnings coverage of net charge-offs (x) | 263.7612% | 308 |
| Efficiency ratio | 75.3179% | 2,058 |
| Assets per employee ($millions) | 6.5921% | 1,050 |
| Cash dividends to net income (ytd only)* | 24.6204% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 4,496 |
| Loan loss allowance to noncurrent loans | 54.4319% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.5013% | 1,197 |
| Noncurrent loans to loans | 1.8081% | 1,141 |
| Net loans and leases to total assets | 79.0735% | 1,027 |
| Net loans and leases to deposits | 93.7005% | 1,291 |
| Net loans and leases to core deposits | 104.6104% | 1,301 |
| Total domestic deposits to total assets | 84.3896% | 3,066 |
| Equity capital to assets | 11.8160% | 2,242 |
| Core capital (leverage) ratio | 12.2142% | 1,534 |
| Tier 1 risk-based capital ratio | 13.3885% | 3,927 |
| Total risk-based capital ratio | 14.3175% | 4,026 |
| Memoranda: | ||
| Average total assets | $2,156,388,750 | 377 |
| Average earning assets | $2,079,449,000 | 358 |
| Average equity | $254,344,750 | 356 |
| Average total loans | $1,743,064,750 | 336 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1482% | 2,681 |
| Cost of funding earning assets | 0.5796% | 1,472 |
| Net interest margin | 3.5686% | 3,219 |
| Noninterest income to average assets | 1.5642% | 498 |
| Noninterest expense to average assets | 3.8066% | 761 |
| Loan and lease loss provision to assets | 0.3844% | 404 |
| Net operating income to assets | 0.7229% | 3,685 |
| Return on assets (ROA) | 0.7229% | 3,840 |
| Pretax return on assets | 0.8137% | 4,233 |
| Return on Equity (ROE) | 6.1330% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.1330% | 2,052 |
| Net charge-offs to loans | -0.0105% | 4,711 |
| Credit loss provision to net charge-offs | -4,523.0769% | 5,315 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0502% | 2,071 |
| Assets per employee ($millions) | 6.1942% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 4,688 |
| Loan loss allowance to noncurrent loans | 54.7732% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 1.5031% | 1,274 |
| Noncurrent loans to loans | 1.7661% | 1,182 |
| Net loans and leases to total assets | 80.9897% | 756 |
| Net loans and leases to deposits | 96.9572% | 968 |
| Net loans and leases to core deposits | 108.8190% | 992 |
| Total domestic deposits to total assets | 83.5314% | 3,451 |
| Equity capital to assets | 12.0723% | 2,082 |
| Core capital (leverage) ratio | 12.1044% | 1,556 |
| Tier 1 risk-based capital ratio | 13.2764% | 4,031 |
| Total risk-based capital ratio | 14.1857% | 4,153 |
| Memoranda: | ||
| Average total assets | $2,141,268,330 | 380 |
| Average earning assets | $2,064,446,000 | 364 |
| Average equity | $252,407,000 | 358 |
| Average total loans | $1,737,984,670 | 337 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3319% | 2,021 |
| Cost of funding earning assets | 0.5876% | 1,424 |
| Net interest margin | 3.7443% | 2,503 |
| Noninterest income to average assets | 1.0637% | 961 |
| Noninterest expense to average assets | 3.8082% | 769 |
| Loan and lease loss provision to assets | 0.3462% | 431 |
| Net operating income to assets | 0.4681% | 4,745 |
| Return on assets (ROA) | 0.4681% | 4,836 |
| Pretax return on assets | 0.5201% | 5,030 |
| Return on Equity (ROE) | 4.0193% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.0193% | 3,481 |
| Net charge-offs to loans | -0.0263% | 5,001 |
| Credit loss provision to net charge-offs | -1,629.8246% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4551% | 1,426 |
| Assets per employee ($millions) | 6.3951% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 5,206 |
| Loan loss allowance to noncurrent loans | 57.3682% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.4008% | 1,481 |
| Noncurrent loans to loans | 1.4903% | 1,582 |
| Net loans and leases to total assets | 80.1065% | 795 |
| Net loans and leases to deposits | 94.7569% | 1,066 |
| Net loans and leases to core deposits | 106.8531% | 1,028 |
| Total domestic deposits to total assets | 84.5389% | 3,299 |
| Equity capital to assets | 11.8874% | 2,103 |
| Core capital (leverage) ratio | 11.5635% | 1,933 |
| Tier 1 risk-based capital ratio | 13.3208% | 4,087 |
| Total risk-based capital ratio | 14.1278% | 4,252 |
| Memoranda: | ||
| Average total assets | $2,146,504,000 | 379 |
| Average earning assets | $2,070,042,500 | 362 |
| Average equity | $249,992,000 | 359 |
| Average total loans | $1,735,685,500 | 333 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0172% | 3,249 |
| Cost of funding earning assets | 0.5210% | 1,987 |
| Net interest margin | 3.4962% | 3,538 |
| Noninterest income to average assets | 1.3522% | 658 |
| Noninterest expense to average assets | 3.8589% | 799 |
| Loan and lease loss provision to assets | 0.1166% | 2,050 |
| Net operating income to assets | 0.6742% | 3,932 |
| Return on assets (ROA) | 0.6643% | 4,063 |
| Pretax return on assets | 0.7247% | 4,456 |
| Return on Equity (ROE) | 5.6504% | 4,206 |
| Retained earnings to average equity (ytd only) | 4.8007% | 2,572 |
| Net charge-offs to loans | 0.0615% | 2,997 |
| Credit loss provision to net charge-offs | 239.8767% | 1,188 |
| Earnings coverage of net charge-offs (x) | 17.5334% | 2,067 |
| Efficiency ratio | 81.9038% | 1,425 |
| Assets per employee ($millions) | 6.6925% | 1,011 |
| Cash dividends to net income (ytd only)* | 15.0365% | 3,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7183% | 5,603 |
| Loan loss allowance to noncurrent loans | 116.4075% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 3,000 |
| Noncurrent loans to loans | 0.6171% | 3,334 |
| Net loans and leases to total assets | 80.3840% | 787 |
| Net loans and leases to deposits | 100.7116% | 629 |
| Net loans and leases to core deposits | 114.1041% | 678 |
| Total domestic deposits to total assets | 79.8161% | 4,790 |
| Equity capital to assets | 11.4140% | 2,434 |
| Core capital (leverage) ratio | 11.9093% | 1,678 |
| Tier 1 risk-based capital ratio | 12.8105% | 4,445 |
| Total risk-based capital ratio | 13.4919% | 4,695 |
| Memoranda: | ||
| Average total assets | $2,002,333,200 | 381 |
| Average earning assets | $1,923,645,600 | 366 |
| Average equity | $235,400,800 | 367 |
| Average total loans | $1,583,270,000 | 339 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 3,261 |
| Cost of funding earning assets | 0.5202% | 2,039 |
| Net interest margin | 3.5000% | 3,535 |
| Noninterest income to average assets | 1.4071% | 631 |
| Noninterest expense to average assets | 3.8944% | 751 |
| Loan and lease loss provision to assets | 0.1294% | 1,746 |
| Net operating income to assets | 0.6637% | 4,059 |
| Return on assets (ROA) | 0.6607% | 4,192 |
| Pretax return on assets | 0.7384% | 4,540 |
| Return on Equity (ROE) | 5.5753% | 4,369 |
| Retained earnings to average equity (ytd only) | 4.4268% | 3,310 |
| Net charge-offs to loans | 0.0474% | 2,944 |
| Credit loss provision to net charge-offs | 347.7148% | 848 |
| Earnings coverage of net charge-offs (x) | 23.4002% | 1,735 |
| Efficiency ratio | 81.7091% | 1,437 |
| Assets per employee ($millions) | 6.4381% | 1,095 |
| Cash dividends to net income (ytd only)* | 20.5994% | 3,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 5,582 |
| Loan loss allowance to noncurrent loans | 104.7990% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 0.7701% | 2,970 |
| Noncurrent loans to loans | 0.7360% | 3,124 |
| Net loans and leases to total assets | 78.9587% | 962 |
| Net loans and leases to deposits | 99.5074% | 696 |
| Net loans and leases to core deposits | 112.7276% | 725 |
| Total domestic deposits to total assets | 79.3495% | 4,898 |
| Equity capital to assets | 11.4300% | 2,555 |
| Core capital (leverage) ratio | 11.6364% | 1,931 |
| Tier 1 risk-based capital ratio | 12.8169% | 4,540 |
| Total risk-based capital ratio | 13.5388% | 4,794 |
| Memoranda: | ||
| Average total assets | $1,959,148,750 | 391 |
| Average earning assets | $1,879,879,000 | 374 |
| Average equity | $232,185,250 | 376 |
| Average total loans | $1,538,822,500 | 347 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0447% | 3,104 |
| Cost of funding earning assets | 0.5221% | 2,053 |
| Net interest margin | 3.5226% | 3,403 |
| Noninterest income to average assets | 1.6598% | 483 |
| Noninterest expense to average assets | 4.0690% | 628 |
| Loan and lease loss provision to assets | 0.1495% | 1,427 |
| Net operating income to assets | 0.7301% | 3,737 |
| Return on assets (ROA) | 0.7301% | 3,853 |
| Pretax return on assets | 0.8177% | 4,265 |
| Return on Equity (ROE) | 6.0834% | 4,087 |
| Retained earnings to average equity (ytd only) | 6.0834% | 2,183 |
| Net charge-offs to loans | 0.0512% | 2,688 |
| Credit loss provision to net charge-offs | 373.7662% | 787 |
| Earnings coverage of net charge-offs (x) | 24.1844% | 1,574 |
| Efficiency ratio | 80.7858% | 1,648 |
| Assets per employee ($millions) | 6.3155% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 5,621 |
| Loan loss allowance to noncurrent loans | 117.5300% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.7107% | 3,262 |
| Noncurrent loans to loans | 0.6730% | 3,461 |
| Net loans and leases to total assets | 77.3297% | 1,161 |
| Net loans and leases to deposits | 95.0650% | 1,042 |
| Net loans and leases to core deposits | 107.9186% | 958 |
| Total domestic deposits to total assets | 81.3441% | 4,503 |
| Equity capital to assets | 11.7052% | 2,242 |
| Core capital (leverage) ratio | 11.8945% | 1,718 |
| Tier 1 risk-based capital ratio | 13.5363% | 4,195 |
| Total risk-based capital ratio | 14.2870% | 4,416 |
| Memoranda: | ||
| Average total assets | $1,925,469,330 | 397 |
| Average earning assets | $1,845,573,000 | 379 |
| Average equity | $231,087,000 | 380 |
| Average total loans | $1,505,316,670 | 352 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 3,009 |
| Cost of funding earning assets | 0.5178% | 2,129 |
| Net interest margin | 3.5397% | 3,264 |
| Noninterest income to average assets | 1.2864% | 696 |
| Noninterest expense to average assets | 4.0522% | 650 |
| Loan and lease loss provision to assets | -0.1581% | 6,241 |
| Net operating income to assets | 0.7329% | 3,632 |
| Return on assets (ROA) | 0.7329% | 3,761 |
| Pretax return on assets | 0.7798% | 4,316 |
| Return on Equity (ROE) | 6.0281% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.0281% | 2,488 |
| Net charge-offs to loans | -0.0479% | 5,496 |
| Credit loss provision to net charge-offs | 421.4689% | 628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6854% | 1,118 |
| Assets per employee ($millions) | 6.0613% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 5,881 |
| Loan loss allowance to noncurrent loans | 92.6374% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 3,104 |
| Noncurrent loans to loans | 0.7693% | 3,330 |
| Net loans and leases to total assets | 77.4819% | 998 |
| Net loans and leases to deposits | 92.2707% | 1,154 |
| Net loans and leases to core deposits | 105.0785% | 997 |
| Total domestic deposits to total assets | 83.9723% | 3,829 |
| Equity capital to assets | 12.0110% | 2,017 |
| Core capital (leverage) ratio | 12.2225% | 1,493 |
| Tier 1 risk-based capital ratio | 14.0051% | 4,011 |
| Total risk-based capital ratio | 14.6877% | 4,273 |
| Memoranda: | ||
| Average total assets | $1,887,192,500 | 403 |
| Average earning assets | $1,806,017,500 | 384 |
| Average equity | $229,460,500 | 380 |
| Average total loans | $1,477,724,000 | 351 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2545% | 2,762 |
| Cost of funding earning assets | 0.5513% | 2,194 |
| Net interest margin | 3.7032% | 2,995 |
| Noninterest income to average assets | 2.3807% | 256 |
| Noninterest expense to average assets | 4.9307% | 321 |
| Loan and lease loss provision to assets | -0.0920% | 6,130 |
| Net operating income to assets | 0.9879% | 2,441 |
| Return on assets (ROA) | 0.9867% | 2,525 |
| Pretax return on assets | 1.0648% | 3,231 |
| Return on Equity (ROE) | 7.8294% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.8294% | 1,084 |
| Net charge-offs to loans | 0.0194% | 4,464 |
| Credit loss provision to net charge-offs | -608.4291% | 5,828 |
| Earnings coverage of net charge-offs (x) | 64.4598% | 750 |
| Efficiency ratio | 83.4925% | 1,474 |
| Assets per employee ($millions) | 5.8624% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7779% | 5,831 |
| Loan loss allowance to noncurrent loans | 85.9721% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9154% | 2,928 |
| Noncurrent loans to loans | 0.9048% | 3,057 |
| Net loans and leases to total assets | 77.9789% | 1,003 |
| Net loans and leases to deposits | 94.6875% | 1,019 |
| Net loans and leases to core deposits | 109.6954% | 793 |
| Total domestic deposits to total assets | 82.3540% | 4,291 |
| Equity capital to assets | 12.3022% | 1,781 |
| Core capital (leverage) ratio | 12.3221% | 1,440 |
| Tier 1 risk-based capital ratio | 14.5060% | 3,775 |
| Total risk-based capital ratio | 15.2513% | 4,025 |
| Memoranda: | ||
| Average total assets | $1,727,019,000 | 414 |
| Average earning assets | $1,643,526,600 | 394 |
| Average equity | $217,640,600 | 376 |
| Average total loans | $1,346,440,000 | 357 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2432% | 2,830 |
| Cost of funding earning assets | 0.5668% | 2,134 |
| Net interest margin | 3.6763% | 3,125 |
| Noninterest income to average assets | 2.4143% | 254 |
| Noninterest expense to average assets | 4.8883% | 334 |
| Loan and lease loss provision to assets | -0.1007% | 6,276 |
| Net operating income to assets | 1.0389% | 2,286 |
| Return on assets (ROA) | 1.0372% | 2,353 |
| Pretax return on assets | 1.1199% | 3,108 |
| Return on Equity (ROE) | 8.1773% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.1773% | 1,279 |
| Net charge-offs to loans | -0.0054% | 5,306 |
| Credit loss provision to net charge-offs | 2,418.8679% | 157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7220% | 1,524 |
| Assets per employee ($millions) | 5.6949% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 5,723 |
| Loan loss allowance to noncurrent loans | 80.4880% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.0424% | 2,879 |
| Noncurrent loans to loans | 1.0647% | 2,945 |
| Net loans and leases to total assets | 78.8025% | 860 |
| Net loans and leases to deposits | 95.6220% | 916 |
| Net loans and leases to core deposits | 111.7926% | 667 |
| Total domestic deposits to total assets | 82.4104% | 4,332 |
| Equity capital to assets | 12.7556% | 1,549 |
| Core capital (leverage) ratio | 12.7539% | 1,281 |
| Tier 1 risk-based capital ratio | 14.8680% | 3,666 |
| Total risk-based capital ratio | 15.6904% | 3,868 |
| Memoranda: | ||
| Average total assets | $1,697,113,250 | 417 |
| Average earning assets | $1,613,383,000 | 402 |
| Average equity | $215,256,500 | 376 |
| Average total loans | $1,320,229,750 | 361 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 3,449 |
| Cost of funding earning assets | 0.5842% | 2,033 |
| Net interest margin | 3.4890% | 3,823 |
| Noninterest income to average assets | 2.1879% | 304 |
| Noninterest expense to average assets | 4.8858% | 331 |
| Loan and lease loss provision to assets | -0.2418% | 6,503 |
| Net operating income to assets | 0.7975% | 3,350 |
| Return on assets (ROA) | 0.7975% | 3,452 |
| Pretax return on assets | 0.8614% | 4,033 |
| Return on Equity (ROE) | 6.2998% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.2998% | 2,155 |
| Net charge-offs to loans | 0.0524% | 3,216 |
| Credit loss provision to net charge-offs | -597.3529% | 5,616 |
| Earnings coverage of net charge-offs (x) | 15.3088% | 1,860 |
| Efficiency ratio | 88.7452% | 1,019 |
| Assets per employee ($millions) | 5.5531% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 6,046 |
| Loan loss allowance to noncurrent loans | 86.5862% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9348% | 3,210 |
| Noncurrent loans to loans | 0.8904% | 3,474 |
| Net loans and leases to total assets | 81.2842% | 544 |
| Net loans and leases to deposits | 99.3998% | 586 |
| Net loans and leases to core deposits | 113.9286% | 540 |
| Total domestic deposits to total assets | 81.7750% | 4,728 |
| Equity capital to assets | 12.7263% | 1,528 |
| Core capital (leverage) ratio | 12.7510% | 1,264 |
| Tier 1 risk-based capital ratio | 14.6751% | 3,828 |
| Total risk-based capital ratio | 15.4556% | 4,059 |
| Memoranda: | ||
| Average total assets | $1,680,039,330 | 421 |
| Average earning assets | $1,597,480,000 | 402 |
| Average equity | $212,672,000 | 378 |
| Average total loans | $1,297,093,000 | 361 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9697% | 3,814 |
| Cost of funding earning assets | 0.6252% | 1,772 |
| Net interest margin | 3.3445% | 4,353 |
| Noninterest income to average assets | 2.0397% | 328 |
| Noninterest expense to average assets | 4.8660% | 341 |
| Loan and lease loss provision to assets | -0.1737% | 6,548 |
| Net operating income to assets | 0.4394% | 4,980 |
| Return on assets (ROA) | 0.4394% | 5,038 |
| Pretax return on assets | 0.5219% | 5,102 |
| Return on Equity (ROE) | 3.4807% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.4807% | 4,049 |
| Net charge-offs to loans | 0.2370% | 1,370 |
| Credit loss provision to net charge-offs | -97.9702% | 4,833 |
| Earnings coverage of net charge-offs (x) | 1.9648% | 2,975 |
| Efficiency ratio | 93.3208% | 794 |
| Assets per employee ($millions) | 5.5141% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 5,807 |
| Loan loss allowance to noncurrent loans | 72.8186% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1674% | 2,923 |
| Noncurrent loans to loans | 1.2620% | 2,924 |
| Net loans and leases to total assets | 76.8633% | 900 |
| Net loans and leases to deposits | 90.8415% | 1,055 |
| Net loans and leases to core deposits | 104.7918% | 810 |
| Total domestic deposits to total assets | 84.6126% | 4,040 |
| Equity capital to assets | 12.9165% | 1,344 |
| Core capital (leverage) ratio | 12.9119% | 1,198 |
| Tier 1 risk-based capital ratio | 15.1177% | 3,644 |
| Total risk-based capital ratio | 16.0235% | 3,783 |
| Memoranda: | ||
| Average total assets | $1,667,660,500 | 425 |
| Average earning assets | $1,582,897,500 | 404 |
| Average equity | $210,529,500 | 380 |
| Average total loans | $1,247,390,500 | 370 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1840% | 3,401 |
| Cost of funding earning assets | 0.7722% | 1,360 |
| Net interest margin | 3.4118% | 4,234 |
| Noninterest income to average assets | 3.6485% | 179 |
| Noninterest expense to average assets | 5.3332% | 276 |
| Loan and lease loss provision to assets | -0.0758% | 6,444 |
| Net operating income to assets | 1.4917% | 839 |
| Return on assets (ROA) | 1.4845% | 897 |
| Pretax return on assets | 1.6087% | 1,146 |
| Return on Equity (ROE) | 11.5913% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.5913% | 363 |
| Net charge-offs to loans | 0.3725% | 1,815 |
| Credit loss provision to net charge-offs | -26.2338% | 5,732 |
| Earnings coverage of net charge-offs (x) | 5.3356% | 3,326 |
| Efficiency ratio | 77.5850% | 2,529 |
| Assets per employee ($millions) | 5.5297% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0731% | 5,263 |
| Loan loss allowance to noncurrent loans | 39.2613% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 2.1412% | 1,666 |
| Noncurrent loans to loans | 2.7332% | 1,318 |
| Net loans and leases to total assets | 71.3456% | 1,785 |
| Net loans and leases to deposits | 89.2888% | 1,315 |
| Net loans and leases to core deposits | 105.1872% | 836 |
| Total domestic deposits to total assets | 79.9042% | 5,464 |
| Equity capital to assets | 12.3423% | 1,599 |
| Core capital (leverage) ratio | 12.3358% | 1,430 |
| Tier 1 risk-based capital ratio | 15.5772% | 3,325 |
| Total risk-based capital ratio | 16.6172% | 3,394 |
| Memoranda: | ||
| Average total assets | $1,578,704,000 | 438 |
| Average earning assets | $1,492,526,400 | 417 |
| Average equity | $202,185,400 | 380 |
| Average total loans | $1,224,023,600 | 365 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 3,091 |
| Cost of funding earning assets | 0.8108% | 1,268 |
| Net interest margin | 3.4647% | 4,035 |
| Noninterest income to average assets | 4.1837% | 167 |
| Noninterest expense to average assets | 5.2769% | 287 |
| Loan and lease loss provision to assets | 0.0846% | 3,366 |
| Net operating income to assets | 1.9198% | 423 |
| Return on assets (ROA) | 1.9099% | 437 |
| Pretax return on assets | 2.0824% | 491 |
| Return on Equity (ROE) | 14.7664% | 841 |
| Retained earnings to average equity (ytd only) | 14.7664% | 216 |
| Net charge-offs to loans | 0.2023% | 2,615 |
| Credit loss provision to net charge-offs | 52.9348% | 3,440 |
| Earnings coverage of net charge-offs (x) | 13.6241% | 2,013 |
| Efficiency ratio | 70.7869% | 3,630 |
| Assets per employee ($millions) | 5.1036% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,295 |
| Loan loss allowance to noncurrent loans | 34.4578% | 5,830 |
| Noncurrent assets plus other real estate owned to assets | 3.6093% | 920 |
| Noncurrent loans to loans | 4.4602% | 732 |
| Net loans and leases to total assets | 75.3979% | 1,079 |
| Net loans and leases to deposits | 92.7206% | 922 |
| Net loans and leases to core deposits | 110.9630% | 542 |
| Total domestic deposits to total assets | 81.3173% | 5,128 |
| Equity capital to assets | 13.6028% | 1,078 |
| Core capital (leverage) ratio | 13.5915% | 983 |
| Tier 1 risk-based capital ratio | 15.9256% | 3,238 |
| Total risk-based capital ratio | 17.1783% | 3,184 |
| Memoranda: | ||
| Average total assets | $1,548,974,500 | 446 |
| Average earning assets | $1,462,355,000 | 425 |
| Average equity | $200,350,500 | 385 |
| Average total loans | $1,223,950,500 | 365 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 3,087 |
| Cost of funding earning assets | 0.8495% | 1,141 |
| Net interest margin | 3.4178% | 4,124 |
| Noninterest income to average assets | 4.5875% | 163 |
| Noninterest expense to average assets | 5.0313% | 346 |
| Loan and lease loss provision to assets | 0.1489% | 2,471 |
| Net operating income to assets | 2.4851% | 182 |
| Return on assets (ROA) | 2.4851% | 189 |
| Pretax return on assets | 2.6297% | 233 |
| Return on Equity (ROE) | 19.5448% | 345 |
| Retained earnings to average equity (ytd only) | 19.5448% | 95 |
| Net charge-offs to loans | 0.2934% | 2,013 |
| Credit loss provision to net charge-offs | 63.5914% | 2,953 |
| Earnings coverage of net charge-offs (x) | 11.8633% | 2,026 |
| Efficiency ratio | 64.4219% | 4,806 |
| Assets per employee ($millions) | 5.6116% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4486% | 3,813 |
| Loan loss allowance to noncurrent loans | 45.0602% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 2.7918% | 1,486 |
| Noncurrent loans to loans | 3.2149% | 1,365 |
| Net loans and leases to total assets | 78.6509% | 684 |
| Net loans and leases to deposits | 94.8382% | 752 |
| Net loans and leases to core deposits | 115.1778% | 414 |
| Total domestic deposits to total assets | 82.9316% | 4,723 |
| Equity capital to assets | 13.0244% | 1,333 |
| Core capital (leverage) ratio | 12.9524% | 1,185 |
| Tier 1 risk-based capital ratio | 15.1940% | 3,650 |
| Total risk-based capital ratio | 16.4465% | 3,616 |
| Memoranda: | ||
| Average total assets | $1,554,935,000 | 442 |
| Average earning assets | $1,466,075,000 | 428 |
| Average equity | $197,710,330 | 389 |
| Average total loans | $1,241,123,670 | 354 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 2,573 |
| Cost of funding earning assets | 0.8677% | 1,163 |
| Net interest margin | 3.5182% | 3,625 |
| Noninterest income to average assets | 5.4669% | 131 |
| Noninterest expense to average assets | 4.9812% | 375 |
| Loan and lease loss provision to assets | -0.1466% | 6,869 |
| Net operating income to assets | 3.7529% | 69 |
| Return on assets (ROA) | 3.7529% | 75 |
| Pretax return on assets | 3.9506% | 83 |
| Return on Equity (ROE) | 29.8868% | 79 |
| Retained earnings to average equity (ytd only) | 29.8868% | 47 |
| Net charge-offs to loans | 0.3872% | 1,484 |
| Credit loss provision to net charge-offs | -47.4434% | 5,052 |
| Earnings coverage of net charge-offs (x) | 12.3076% | 1,608 |
| Efficiency ratio | 56.7001% | 5,999 |
| Assets per employee ($millions) | 5.7611% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4024% | 4,216 |
| Loan loss allowance to noncurrent loans | 40.2395% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 2.9898% | 1,503 |
| Noncurrent loans to loans | 3.4850% | 1,379 |
| Net loans and leases to total assets | 76.8759% | 732 |
| Net loans and leases to deposits | 93.8756% | 673 |
| Net loans and leases to core deposits | 116.8943% | 332 |
| Total domestic deposits to total assets | 81.8912% | 5,233 |
| Equity capital to assets | 12.8314% | 1,510 |
| Core capital (leverage) ratio | 12.7879% | 1,199 |
| Tier 1 risk-based capital ratio | 15.1381% | 3,748 |
| Total risk-based capital ratio | 16.3907% | 3,698 |
| Memoranda: | ||
| Average total assets | $1,543,978,500 | 449 |
| Average earning assets | $1,456,214,500 | 431 |
| Average equity | $193,878,000 | 399 |
| Average total loans | $1,232,468,000 | 361 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 4,633 |
| Cost of funding earning assets | 0.9663% | 1,549 |
| Net interest margin | 3.2235% | 5,509 |
| Noninterest income to average assets | 3.0984% | 244 |
| Noninterest expense to average assets | 4.8412% | 427 |
| Loan and lease loss provision to assets | 0.2232% | 2,893 |
| Net operating income to assets | 1.0363% | 2,182 |
| Return on assets (ROA) | 1.0278% | 2,429 |
| Pretax return on assets | 1.0780% | 3,238 |
| Return on Equity (ROE) | 9.0594% | 2,613 |
| Retained earnings to average equity (ytd only) | 9.0594% | 803 |
| Net charge-offs to loans | 0.4429% | 2,459 |
| Credit loss provision to net charge-offs | 66.7425% | 4,258 |
| Earnings coverage of net charge-offs (x) | 3.9178% | 3,546 |
| Efficiency ratio | 78.7024% | 2,326 |
| Assets per employee ($millions) | 5.5509% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 3,661 |
| Loan loss allowance to noncurrent loans | 48.5170% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 2.8730% | 1,659 |
| Noncurrent loans to loans | 3.1325% | 1,650 |
| Net loans and leases to total assets | 80.4930% | 426 |
| Net loans and leases to deposits | 98.1197% | 502 |
| Net loans and leases to core deposits | 123.0184% | 249 |
| Total domestic deposits to total assets | 82.0355% | 5,078 |
| Equity capital to assets | 12.2743% | 1,872 |
| Core capital (leverage) ratio | 12.2232% | 1,443 |
| Tier 1 risk-based capital ratio | 13.8951% | 4,452 |
| Total risk-based capital ratio | 15.1496% | 4,417 |
| Memoranda: | ||
| Average total assets | $1,578,067,600 | 429 |
| Average earning assets | $1,494,554,400 | 409 |
| Average equity | $179,029,800 | 419 |
| Average total loans | $1,191,433,400 | 367 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1190% | 5,119 |
| Cost of funding earning assets | 0.9947% | 1,594 |
| Net interest margin | 3.1244% | 5,886 |
| Noninterest income to average assets | 3.1023% | 239 |
| Noninterest expense to average assets | 4.5691% | 520 |
| Loan and lease loss provision to assets | 0.2404% | 2,648 |
| Net operating income to assets | 1.1825% | 1,799 |
| Return on assets (ROA) | 1.1825% | 1,982 |
| Pretax return on assets | 1.2556% | 2,767 |
| Return on Equity (ROE) | 10.6308% | 2,086 |
| Retained earnings to average equity (ytd only) | 10.6308% | 754 |
| Net charge-offs to loans | 0.4694% | 2,222 |
| Credit loss provision to net charge-offs | 69.1974% | 3,928 |
| Earnings coverage of net charge-offs (x) | 4.3063% | 3,341 |
| Efficiency ratio | 75.3341% | 2,773 |
| Assets per employee ($millions) | 5.9691% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 3,586 |
| Loan loss allowance to noncurrent loans | 45.3174% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 3.1460% | 1,645 |
| Noncurrent loans to loans | 3.4961% | 1,550 |
| Net loans and leases to total assets | 76.9371% | 854 |
| Net loans and leases to deposits | 92.8961% | 882 |
| Net loans and leases to core deposits | 117.7930% | 350 |
| Total domestic deposits to total assets | 82.8206% | 4,719 |
| Equity capital to assets | 11.7838% | 2,447 |
| Core capital (leverage) ratio | 11.7716% | 1,791 |
| Tier 1 risk-based capital ratio | 14.1162% | 4,441 |
| Total risk-based capital ratio | 15.3716% | 4,402 |
| Memoranda: | ||
| Average total assets | $1,592,350,250 | 428 |
| Average earning assets | $1,510,023,250 | 405 |
| Average equity | $177,116,000 | 425 |
| Average total loans | $1,178,506,500 | 373 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 5,426 |
| Cost of funding earning assets | 1.0314% | 1,570 |
| Net interest margin | 3.0364% | 6,158 |
| Noninterest income to average assets | 2.9858% | 245 |
| Noninterest expense to average assets | 4.3691% | 611 |
| Loan and lease loss provision to assets | 0.4098% | 1,600 |
| Net operating income to assets | 1.0447% | 2,269 |
| Return on assets (ROA) | 1.0447% | 2,501 |
| Pretax return on assets | 1.0903% | 3,340 |
| Return on Equity (ROE) | 9.5773% | 2,542 |
| Retained earnings to average equity (ytd only) | 9.5773% | 1,092 |
| Net charge-offs to loans | 0.5654% | 1,901 |
| Credit loss provision to net charge-offs | 99.7568% | 2,783 |
| Earnings coverage of net charge-offs (x) | 3.6517% | 3,311 |
| Efficiency ratio | 74.4421% | 3,003 |
| Assets per employee ($millions) | 6.0564% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7240% | 3,128 |
| Loan loss allowance to noncurrent loans | 45.9473% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 3.3482% | 1,607 |
| Noncurrent loans to loans | 3.7520% | 1,502 |
| Net loans and leases to total assets | 75.8880% | 975 |
| Net loans and leases to deposits | 91.1925% | 1,030 |
| Net loans and leases to core deposits | 119.3515% | 324 |
| Total domestic deposits to total assets | 83.2174% | 4,670 |
| Equity capital to assets | 11.4971% | 2,599 |
| Core capital (leverage) ratio | 11.5025% | 1,906 |
| Tier 1 risk-based capital ratio | 14.1971% | 4,309 |
| Total risk-based capital ratio | 15.4543% | 4,266 |
| Memoranda: | ||
| Average total assets | $1,601,832,330 | 424 |
| Average earning assets | $1,521,055,000 | 404 |
| Average equity | $174,725,330 | 430 |
| Average total loans | $1,163,811,000 | 376 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9745% | 5,844 |
| Cost of funding earning assets | 1.0481% | 1,690 |
| Net interest margin | 2.9264% | 6,445 |
| Noninterest income to average assets | 2.8733% | 259 |
| Noninterest expense to average assets | 4.0749% | 860 |
| Loan and lease loss provision to assets | 0.0202% | 5,087 |
| Net operating income to assets | 1.4685% | 1,087 |
| Return on assets (ROA) | 1.4685% | 1,216 |
| Pretax return on assets | 1.5609% | 1,702 |
| Return on Equity (ROE) | 13.8182% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.8182% | 585 |
| Net charge-offs to loans | 0.1248% | 3,360 |
| Credit loss provision to net charge-offs | 22.9050% | 3,738 |
| Earnings coverage of net charge-offs (x) | 17.9693% | 1,286 |
| Efficiency ratio | 72.0462% | 3,435 |
| Assets per employee ($millions) | 6.4473% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7368% | 3,206 |
| Loan loss allowance to noncurrent loans | 47.5881% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 3.0904% | 1,885 |
| Noncurrent loans to loans | 3.6497% | 1,701 |
| Net loans and leases to total assets | 69.2904% | 1,888 |
| Net loans and leases to deposits | 83.2759% | 1,756 |
| Net loans and leases to core deposits | 108.6848% | 580 |
| Total domestic deposits to total assets | 83.2058% | 4,843 |
| Equity capital to assets | 10.5810% | 3,396 |
| Core capital (leverage) ratio | 10.5497% | 2,694 |
| Tier 1 risk-based capital ratio | 14.4385% | 4,157 |
| Total risk-based capital ratio | 15.6959% | 4,114 |
| Memoranda: | ||
| Average total assets | $1,627,525,500 | 416 |
| Average earning assets | $1,547,554,500 | 396 |
| Average equity | $172,960,000 | 428 |
| Average total loans | $1,147,095,000 | 377 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 4,658 |
| Cost of funding earning assets | 1.5872% | 498 |
| Net interest margin | 3.0180% | 6,501 |
| Noninterest income to average assets | 1.7749% | 454 |
| Noninterest expense to average assets | 3.7120% | 1,516 |
| Loan and lease loss provision to assets | 0.5709% | 1,820 |
| Net operating income to assets | 0.2875% | 5,299 |
| Return on assets (ROA) | 0.2875% | 5,456 |
| Pretax return on assets | 0.3284% | 5,477 |
| Return on Equity (ROE) | 2.4131% | 5,502 |
| Retained earnings to average equity (ytd only) | 2.4131% | 4,500 |
| Net charge-offs to loans | 1.0748% | 1,606 |
| Credit loss provision to net charge-offs | 69.0867% | 4,887 |
| Earnings coverage of net charge-offs (x) | 1.0883% | 4,970 |
| Efficiency ratio | 80.4978% | 2,241 |
| Assets per employee ($millions) | 6.1454% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 5,847 |
| Loan loss allowance to noncurrent loans | 30.7712% | 6,152 |
| Noncurrent assets plus other real estate owned to assets | 3.0859% | 1,940 |
| Noncurrent loans to loans | 3.5459% | 1,808 |
| Net loans and leases to total assets | 69.6766% | 2,096 |
| Net loans and leases to deposits | 84.1546% | 1,904 |
| Net loans and leases to core deposits | 110.7258% | 599 |
| Total domestic deposits to total assets | 82.7959% | 4,836 |
| Equity capital to assets | 10.6754% | 3,334 |
| Core capital (leverage) ratio | 10.6544% | 2,560 |
| Tier 1 risk-based capital ratio | 14.2317% | 4,157 |
| Total risk-based capital ratio | 15.3858% | 4,182 |
| Memoranda: | ||
| Average total assets | $1,421,882,800 | 471 |
| Average earning assets | $1,336,299,400 | 448 |
| Average equity | $169,408,600 | 419 |
| Average total loans | $1,093,161,800 | 386 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 4,279 |
| Cost of funding earning assets | 1.7167% | 372 |
| Net interest margin | 3.0233% | 6,537 |
| Noninterest income to average assets | 1.7846% | 449 |
| Noninterest expense to average assets | 3.5581% | 1,799 |
| Loan and lease loss provision to assets | 0.2701% | 3,343 |
| Net operating income to assets | 0.7122% | 3,546 |
| Return on assets (ROA) | 0.7122% | 3,719 |
| Pretax return on assets | 0.7896% | 4,171 |
| Return on Equity (ROE) | 5.8032% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.8032% | 2,671 |
| Net charge-offs to loans | 0.3735% | 3,230 |
| Credit loss provision to net charge-offs | 91.8173% | 3,714 |
| Earnings coverage of net charge-offs (x) | 3.6027% | 3,373 |
| Efficiency ratio | 77.0529% | 2,668 |
| Assets per employee ($millions) | 5.3210% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 4,420 |
| Loan loss allowance to noncurrent loans | 36.3844% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 3.9546% | 1,551 |
| Noncurrent loans to loans | 3.9310% | 1,685 |
| Net loans and leases to total assets | 78.1007% | 699 |
| Net loans and leases to deposits | 97.3637% | 616 |
| Net loans and leases to core deposits | 143.9684% | 162 |
| Total domestic deposits to total assets | 80.2155% | 5,674 |
| Equity capital to assets | 12.5920% | 1,857 |
| Core capital (leverage) ratio | 12.5737% | 1,401 |
| Tier 1 risk-based capital ratio | 14.8290% | 3,766 |
| Total risk-based capital ratio | 16.0801% | 3,736 |
| Memoranda: | ||
| Average total assets | $1,379,441,750 | 485 |
| Average earning assets | $1,292,645,500 | 469 |
| Average equity | $169,282,000 | 426 |
| Average total loans | $1,086,142,500 | 391 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6095% | 4,927 |
| Cost of funding earning assets | 1.7918% | 320 |
| Net interest margin | 2.8177% | 6,900 |
| Noninterest income to average assets | 1.9144% | 386 |
| Noninterest expense to average assets | 3.4518% | 2,116 |
| Loan and lease loss provision to assets | 0.6421% | 1,493 |
| Net operating income to assets | 0.3887% | 4,999 |
| Return on assets (ROA) | 0.3887% | 5,138 |
| Pretax return on assets | 0.4719% | 5,168 |
| Return on Equity (ROE) | 3.1954% | 5,312 |
| Retained earnings to average equity (ytd only) | 3.1954% | 4,239 |
| Net charge-offs to loans | 0.6787% | 2,139 |
| Credit loss provision to net charge-offs | 120.4132% | 2,538 |
| Earnings coverage of net charge-offs (x) | 2.0892% | 3,809 |
| Efficiency ratio | 75.6008% | 3,086 |
| Assets per employee ($millions) | 5.1980% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 4,014 |
| Loan loss allowance to noncurrent loans | 34.3432% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 4.7395% | 1,310 |
| Noncurrent loans to loans | 4.4388% | 1,502 |
| Net loans and leases to total assets | 81.6286% | 400 |
| Net loans and leases to deposits | 107.3825% | 230 |
| Net loans and leases to core deposits | 169.8435% | 101 |
| Total domestic deposits to total assets | 76.0166% | 6,596 |
| Equity capital to assets | 12.8691% | 1,588 |
| Core capital (leverage) ratio | 12.7771% | 1,258 |
| Tier 1 risk-based capital ratio | 14.2487% | 3,981 |
| Total risk-based capital ratio | 15.5007% | 3,953 |
| Memoranda: | ||
| Average total assets | $1,379,876,670 | 489 |
| Average earning assets | $1,298,441,670 | 475 |
| Average equity | $167,864,330 | 430 |
| Average total loans | $1,084,205,670 | 404 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4697% | 5,448 |
| Cost of funding earning assets | 1.8003% | 377 |
| Net interest margin | 2.6695% | 7,050 |
| Noninterest income to average assets | 1.7980% | 424 |
| Noninterest expense to average assets | 3.5452% | 1,889 |
| Loan and lease loss provision to assets | 0.4302% | 2,039 |
| Net operating income to assets | 0.2677% | 5,547 |
| Return on assets (ROA) | 0.2677% | 5,608 |
| Pretax return on assets | 0.3538% | 5,490 |
| Return on Equity (ROE) | 2.2611% | 5,696 |
| Retained earnings to average equity (ytd only) | 2.2611% | 4,795 |
| Net charge-offs to loans | 0.5316% | 2,163 |
| Credit loss provision to net charge-offs | 105.7063% | 2,519 |
| Earnings coverage of net charge-offs (x) | 1.9262% | 3,349 |
| Efficiency ratio | 81.8907% | 2,245 |
| Assets per employee ($millions) | 5.4576% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 4,283 |
| Loan loss allowance to noncurrent loans | 32.5682% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 4.4431% | 1,463 |
| Noncurrent loans to loans | 4.5605% | 1,526 |
| Net loans and leases to total assets | 76.9128% | 884 |
| Net loans and leases to deposits | 101.6499% | 394 |
| Net loans and leases to core deposits | 182.9701% | 91 |
| Total domestic deposits to total assets | 75.6644% | 6,724 |
| Equity capital to assets | 12.1961% | 1,796 |
| Core capital (leverage) ratio | 12.1347% | 1,485 |
| Tier 1 risk-based capital ratio | 14.2144% | 3,928 |
| Total risk-based capital ratio | 15.4658% | 3,897 |
| Memoranda: | ||
| Average total assets | $1,412,263,000 | 486 |
| Average earning assets | $1,339,135,500 | 465 |
| Average equity | $167,175,500 | 426 |
| Average total loans | $1,081,249,000 | 407 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1449% | 3,882 |
| Cost of funding earning assets | 1.9581% | 702 |
| Net interest margin | 3.1869% | 6,298 |
| Noninterest income to average assets | 1.8541% | 452 |
| Noninterest expense to average assets | 3.4954% | 2,192 |
| Loan and lease loss provision to assets | 0.7818% | 2,092 |
| Net operating income to assets | 0.5652% | 3,824 |
| Return on assets (ROA) | 0.5652% | 3,981 |
| Pretax return on assets | 0.5765% | 4,394 |
| Return on Equity (ROE) | 5.2609% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.2609% | 2,270 |
| Net charge-offs to loans | 1.3219% | 1,686 |
| Credit loss provision to net charge-offs | 72.9535% | 5,793 |
| Earnings coverage of net charge-offs (x) | 1.2676% | 4,837 |
| Efficiency ratio | 72.0150% | 3,790 |
| Assets per employee ($millions) | 5.9885% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 4,240 |
| Loan loss allowance to noncurrent loans | 28.1852% | 6,401 |
| Noncurrent assets plus other real estate owned to assets | 4.5879% | 1,456 |
| Noncurrent loans to loans | 5.1703% | 1,285 |
| Net loans and leases to total assets | 74.0327% | 1,658 |
| Net loans and leases to deposits | 96.4688% | 828 |
| Net loans and leases to core deposits | 188.5879% | 93 |
| Total domestic deposits to total assets | 76.7427% | 6,524 |
| Equity capital to assets | 11.4970% | 2,263 |
| Core capital (leverage) ratio | 11.4531% | 1,858 |
| Tier 1 risk-based capital ratio | 14.1193% | 3,791 |
| Total risk-based capital ratio | 15.3707% | 3,750 |
| Memoranda: | ||
| Average total assets | $1,511,584,800 | 450 |
| Average earning assets | $1,422,779,800 | 432 |
| Average equity | $162,406,000 | 424 |
| Average total loans | $1,225,344,000 | 368 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2065% | 3,793 |
| Cost of funding earning assets | 1.9692% | 831 |
| Net interest margin | 3.2373% | 6,221 |
| Noninterest income to average assets | 1.9149% | 402 |
| Noninterest expense to average assets | 3.2261% | 2,832 |
| Loan and lease loss provision to assets | 0.9335% | 1,614 |
| Net operating income to assets | 0.7820% | 3,079 |
| Return on assets (ROA) | 0.7820% | 3,238 |
| Pretax return on assets | 0.7946% | 3,928 |
| Return on Equity (ROE) | 7.4014% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.4014% | 1,644 |
| Net charge-offs to loans | 1.5388% | 1,304 |
| Credit loss provision to net charge-offs | 73.5553% | 5,324 |
| Earnings coverage of net charge-offs (x) | 1.3617% | 4,715 |
| Efficiency ratio | 65.1182% | 5,032 |
| Assets per employee ($millions) | 6.3042% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4051% | 4,431 |
| Loan loss allowance to noncurrent loans | 28.3248% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 4.5346% | 1,494 |
| Noncurrent loans to loans | 4.9608% | 1,404 |
| Net loans and leases to total assets | 79.0396% | 877 |
| Net loans and leases to deposits | 102.8370% | 493 |
| Net loans and leases to core deposits | 215.5738% | 77 |
| Total domestic deposits to total assets | 76.8592% | 6,511 |
| Equity capital to assets | 11.4700% | 2,557 |
| Core capital (leverage) ratio | 11.4186% | 1,994 |
| Tier 1 risk-based capital ratio | 13.4194% | 4,253 |
| Total risk-based capital ratio | 14.6704% | 4,217 |
| Memoranda: | ||
| Average total assets | $1,527,178,500 | 444 |
| Average earning assets | $1,433,813,500 | 424 |
| Average equity | $161,353,500 | 418 |
| Average total loans | $1,259,491,000 | 359 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 3,252 |
| Cost of funding earning assets | 1.9674% | 991 |
| Net interest margin | 3.3748% | 5,739 |
| Noninterest income to average assets | 1.6033% | 507 |
| Noninterest expense to average assets | 3.1329% | 3,174 |
| Loan and lease loss provision to assets | 1.0774% | 1,337 |
| Net operating income to assets | 0.5393% | 4,146 |
| Return on assets (ROA) | 0.5393% | 4,295 |
| Pretax return on assets | 0.5485% | 4,747 |
| Return on Equity (ROE) | 5.2452% | 4,158 |
| Retained earnings to average equity (ytd only) | 5.2452% | 2,751 |
| Net charge-offs to loans | 1.8450% | 1,008 |
| Credit loss provision to net charge-offs | 70.1899% | 4,961 |
| Earnings coverage of net charge-offs (x) | 1.0592% | 4,731 |
| Efficiency ratio | 65.8347% | 5,012 |
| Assets per employee ($millions) | 6.4797% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,539 |
| Loan loss allowance to noncurrent loans | 31.1266% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 3.9629% | 1,749 |
| Noncurrent loans to loans | 4.4268% | 1,650 |
| Net loans and leases to total assets | 78.5838% | 1,023 |
| Net loans and leases to deposits | 100.3294% | 697 |
| Net loans and leases to core deposits | 199.6743% | 95 |
| Total domestic deposits to total assets | 78.3259% | 6,195 |
| Equity capital to assets | 10.6139% | 3,264 |
| Core capital (leverage) ratio | 10.5617% | 2,576 |
| Tier 1 risk-based capital ratio | 12.4726% | 4,884 |
| Total risk-based capital ratio | 13.7233% | 4,864 |
| Memoranda: | ||
| Average total assets | $1,550,812,000 | 441 |
| Average earning assets | $1,450,044,670 | 421 |
| Average equity | $159,459,670 | 426 |
| Average total loans | $1,290,174,330 | 355 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 2,463 |
| Cost of funding earning assets | 1.9783% | 1,164 |
| Net interest margin | 3.5507% | 4,947 |
| Noninterest income to average assets | 1.3353% | 676 |
| Noninterest expense to average assets | 2.9813% | 3,745 |
| Loan and lease loss provision to assets | 1.4511% | 813 |
| Net operating income to assets | 0.1668% | 5,797 |
| Return on assets (ROA) | 0.1668% | 5,923 |
| Pretax return on assets | 0.1883% | 5,909 |
| Return on Equity (ROE) | 1.6477% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.6477% | 5,113 |
| Net charge-offs to loans | 2.6386% | 617 |
| Credit loss provision to net charge-offs | 64.7651% | 4,210 |
| Earnings coverage of net charge-offs (x) | 0.7317% | 4,373 |
| Efficiency ratio | 64.5213% | 5,384 |
| Assets per employee ($millions) | 8.9157% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,726 |
| Loan loss allowance to noncurrent loans | 32.6805% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 3.7949% | 1,833 |
| Noncurrent loans to loans | 4.1058% | 1,889 |
| Net loans and leases to total assets | 82.7272% | 505 |
| Net loans and leases to deposits | 105.3369% | 460 |
| Net loans and leases to core deposits | 233.2393% | 79 |
| Total domestic deposits to total assets | 78.5358% | 6,194 |
| Equity capital to assets | 10.3340% | 3,430 |
| Core capital (leverage) ratio | 10.2925% | 2,821 |
| Tier 1 risk-based capital ratio | 12.0475% | 5,149 |
| Total risk-based capital ratio | 13.2984% | 5,113 |
| Memoranda: | ||
| Average total assets | $1,561,610,500 | 449 |
| Average earning assets | $1,444,894,500 | 438 |
| Average equity | $158,034,500 | 434 |
| Average total loans | $1,326,008,500 | 367 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7840% | 2,724 |
| Cost of funding earning assets | 2.2545% | 1,824 |
| Net interest margin | 3.5295% | 4,820 |
| Noninterest income to average assets | 0.9514% | 1,744 |
| Noninterest expense to average assets | 2.8598% | 4,696 |
| Loan and lease loss provision to assets | 2.0490% | 1,041 |
| Net operating income to assets | -0.4701% | 6,149 |
| Return on assets (ROA) | -0.4164% | 6,095 |
| Pretax return on assets | -0.5361% | 6,041 |
| Return on Equity (ROE) | -4.2348% | 6,135 |
| Retained earnings to average equity (ytd only) | -4.2348% | 5,907 |
| Net charge-offs to loans | 2.0013% | 1,232 |
| Credit loss provision to net charge-offs | 110.9180% | 4,955 |
| Earnings coverage of net charge-offs (x) | 0.7816% | 5,325 |
| Efficiency ratio | 66.4498% | 5,298 |
| Assets per employee ($millions) | 9.1891% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 3,784 |
| Loan loss allowance to noncurrent loans | 30.4913% | 6,436 |
| Noncurrent assets plus other real estate owned to assets | 4.3415% | 1,506 |
| Noncurrent loans to loans | 4.8824% | 1,397 |
| Net loans and leases to total assets | 84.6566% | 381 |
| Net loans and leases to deposits | 107.2885% | 491 |
| Net loans and leases to core deposits | 134.9900% | 1,002 |
| Total domestic deposits to total assets | 78.9056% | 6,003 |
| Equity capital to assets | 9.9135% | 3,881 |
| Core capital (leverage) ratio | 9.8887% | 3,218 |
| Tier 1 risk-based capital ratio | 11.4249% | 5,477 |
| Total risk-based capital ratio | 12.6778% | 5,437 |
| Memoranda: | ||
| Average total assets | $1,585,616,800 | 433 |
| Average earning assets | $1,506,039,800 | 418 |
| Average equity | $155,898,600 | 435 |
| Average total loans | $1,463,610,400 | 344 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6545% | 3,549 |
| Cost of funding earning assets | 2.2799% | 2,068 |
| Net interest margin | 3.3745% | 5,367 |
| Noninterest income to average assets | 0.9741% | 1,692 |
| Noninterest expense to average assets | 2.8390% | 4,723 |
| Loan and lease loss provision to assets | 2.4651% | 676 |
| Net operating income to assets | -1.0751% | 6,879 |
| Return on assets (ROA) | -0.9831% | 6,829 |
| Pretax return on assets | -0.9859% | 6,675 |
| Return on Equity (ROE) | -10.0199% | 6,898 |
| Retained earnings to average equity (ytd only) | -10.0199% | 6,809 |
| Net charge-offs to loans | 2.3692% | 782 |
| Credit loss provision to net charge-offs | 110.8056% | 4,591 |
| Earnings coverage of net charge-offs (x) | 0.6236% | 5,404 |
| Efficiency ratio | 67.1757% | 5,146 |
| Assets per employee ($millions) | 8.2772% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3576% | 4,170 |
| Loan loss allowance to noncurrent loans | 25.8359% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 5.1747% | 1,125 |
| Noncurrent loans to loans | 5.2545% | 1,216 |
| Net loans and leases to total assets | 92.8810% | 39 |
| Net loans and leases to deposits | 117.5828% | 246 |
| Net loans and leases to core deposits | 161.6564% | 357 |
| Total domestic deposits to total assets | 78.9920% | 5,807 |
| Equity capital to assets | 9.7629% | 4,405 |
| Core capital (leverage) ratio | 9.7325% | 3,598 |
| Tier 1 risk-based capital ratio | 10.5400% | 6,426 |
| Total risk-based capital ratio | 11.7917% | 6,385 |
| Memoranda: | ||
| Average total assets | $1,584,590,500 | 447 |
| Average earning assets | $1,527,134,500 | 429 |
| Average equity | $155,474,000 | 450 |
| Average total loans | $1,487,977,500 | 354 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6706% | 3,711 |
| Cost of funding earning assets | 2.3460% | 2,179 |
| Net interest margin | 3.3245% | 5,457 |
| Noninterest income to average assets | 1.0026% | 1,589 |
| Noninterest expense to average assets | 2.8412% | 4,774 |
| Loan and lease loss provision to assets | 2.8276% | 537 |
| Net operating income to assets | -1.3318% | 7,176 |
| Return on assets (ROA) | -1.1874% | 7,116 |
| Pretax return on assets | -1.3032% | 6,990 |
| Return on Equity (ROE) | -12.0827% | 7,179 |
| Retained earnings to average equity (ytd only) | -12.0827% | 7,062 |
| Net charge-offs to loans | 3.3509% | 473 |
| Credit loss provision to net charge-offs | 89.9416% | 4,930 |
| Earnings coverage of net charge-offs (x) | 0.4344% | 5,263 |
| Efficiency ratio | 67.5350% | 5,248 |
| Assets per employee ($millions) | 8.0447% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9970% | 6,275 |
| Loan loss allowance to noncurrent loans | 23.9122% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 4.1527% | 1,393 |
| Noncurrent loans to loans | 4.1693% | 1,594 |
| Net loans and leases to total assets | 92.5732% | 44 |
| Net loans and leases to deposits | 113.9496% | 400 |
| Net loans and leases to core deposits | 160.1453% | 448 |
| Total domestic deposits to total assets | 81.2405% | 4,979 |
| Equity capital to assets | 9.8515% | 4,149 |
| Core capital (leverage) ratio | 9.8454% | 3,455 |
| Tier 1 risk-based capital ratio | 10.6441% | 6,240 |
| Total risk-based capital ratio | 11.6851% | 6,385 |
| Memoranda: | ||
| Average total assets | $1,591,325,330 | 455 |
| Average earning assets | $1,533,814,670 | 434 |
| Average equity | $156,388,670 | 456 |
| Average total loans | $1,492,965,000 | 362 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7278% | 3,655 |
| Cost of funding earning assets | 2.4520% | 2,098 |
| Net interest margin | 3.2758% | 5,593 |
| Noninterest income to average assets | 0.5776% | 3,707 |
| Noninterest expense to average assets | 2.8466% | 4,354 |
| Loan and lease loss provision to assets | 2.3217% | 509 |
| Net operating income to assets | -1.3480% | 7,437 |
| Return on assets (ROA) | -0.7418% | 7,124 |
| Pretax return on assets | -0.7867% | 7,026 |
| Return on Equity (ROE) | -7.5570% | 7,198 |
| Retained earnings to average equity (ytd only) | -7.5570% | 6,859 |
| Net charge-offs to loans | 2.6735% | 501 |
| Credit loss provision to net charge-offs | 92.4101% | 3,957 |
| Earnings coverage of net charge-offs (x) | 0.3543% | 4,690 |
| Efficiency ratio | 76.1806% | 3,460 |
| Assets per employee ($millions) | 8.1459% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 5,588 |
| Loan loss allowance to noncurrent loans | 49.1526% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 2.1469% | 2,681 |
| Noncurrent loans to loans | 2.2050% | 2,968 |
| Net loans and leases to total assets | 92.7518% | 50 |
| Net loans and leases to deposits | 125.6759% | 192 |
| Net loans and leases to core deposits | 171.4470% | 324 |
| Total domestic deposits to total assets | 73.8024% | 6,920 |
| Equity capital to assets | 9.8355% | 4,201 |
| Core capital (leverage) ratio | 9.9131% | 3,502 |
| Tier 1 risk-based capital ratio | 10.8461% | 6,046 |
| Total risk-based capital ratio | 11.9900% | 6,056 |
| Memoranda: | ||
| Average total assets | $1,602,625,000 | 456 |
| Average earning assets | $1,545,521,000 | 432 |
| Average equity | $157,311,500 | 452 |
| Average total loans | $1,506,025,500 | 362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4017% | 3,413 |
| Cost of funding earning assets | 3.1328% | 1,406 |
| Net interest margin | 3.2689% | 6,145 |
| Noninterest income to average assets | 0.5062% | 4,573 |
| Noninterest expense to average assets | 2.7539% | 5,033 |
| Loan and lease loss provision to assets | 0.9308% | 1,592 |
| Net operating income to assets | -0.0284% | 6,410 |
| Return on assets (ROA) | 0.5423% | 4,412 |
| Pretax return on assets | 0.5805% | 4,756 |
| Return on Equity (ROE) | 5.3978% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.3978% | 1,812 |
| Net charge-offs to loans | 0.2808% | 3,525 |
| Credit loss provision to net charge-offs | 358.7986% | 1,237 |
| Earnings coverage of net charge-offs (x) | 3.4599% | 4,358 |
| Efficiency ratio | 75.4178% | 3,337 |
| Assets per employee ($millions) | 7.5438% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 4,879 |
| Loan loss allowance to noncurrent loans | 131.0699% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8717% | 4,677 |
| Noncurrent loans to loans | 0.8814% | 4,856 |
| Net loans and leases to total assets | 93.0935% | 52 |
| Net loans and leases to deposits | 113.2405% | 657 |
| Net loans and leases to core deposits | 146.4782% | 995 |
| Total domestic deposits to total assets | 82.2086% | 4,120 |
| Equity capital to assets | 9.7957% | 4,292 |
| Core capital (leverage) ratio | 9.8879% | 3,560 |
| Tier 1 risk-based capital ratio | 10.7276% | 5,975 |
| Total risk-based capital ratio | 11.9378% | 5,922 |
| Memoranda: | ||
| Average total assets | $1,456,649,200 | 477 |
| Average earning assets | $1,401,571,400 | 456 |
| Average equity | $146,356,400 | 474 |
| Average total loans | $1,345,563,600 | 388 |