Home > North Shore Bank > Performance and Condition Ratios
North Shore Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5712% | 2,963 |
| Cost of funding earning assets | 0.8007% | 3,729 |
| Net interest margin | 3.7705% | 1,608 |
| Noninterest income to average assets | 0.7100% | 1,157 |
| Noninterest expense to average assets | 2.8749% | 1,324 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0083% | 2,195 |
| Return on assets (ROA) | 1.0126% | 2,161 |
| Pretax return on assets | 1.3914% | 1,657 |
| Return on Equity (ROE) | 8.0200% | 3,019 |
| Retained earnings to average equity (ytd only) | 8.0197% | 1,533 |
| Net charge-offs to loans | 0.0070% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 276.3256% | 462 |
| Efficiency ratio | 67.2929% | 2,194 |
| Assets per employee ($millions) | 5.9377% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 4,095 |
| Loan loss allowance to noncurrent loans | 398.4444% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 2,646 |
| Noncurrent loans to loans | 0.1804% | 2,612 |
| Net loans and leases to total assets | 72.7400% | 1,498 |
| Net loans and leases to deposits | 91.0220% | 1,181 |
| Net loans and leases to core deposits | 93.1025% | 1,835 |
| Total domestic deposits to total assets | 79.9200% | 3,474 |
| Equity capital to assets | 13.1787% | 828 |
| Core capital (leverage) ratio | 12.3490% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,572,130,800 | 452 |
| Average earning assets | $2,424,264,000 | 436 |
| Average equity | $324,773,400 | 372 |
| Average total loans | $1,835,456,400 | 433 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 2,985 |
| Cost of funding earning assets | 0.7067% | 3,750 |
| Net interest margin | 3.7559% | 1,679 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.8586% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9953% | 2,374 |
| Return on assets (ROA) | 0.9976% | 2,359 |
| Pretax return on assets | 1.3773% | 1,828 |
| Return on Equity (ROE) | 7.9900% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.9882% | 1,972 |
| Net charge-offs to loans | 0.0097% | 2,042 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 199.2632% | 603 |
| Efficiency ratio | 67.3483% | 2,094 |
| Assets per employee ($millions) | 5.9056% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7171% | 4,106 |
| Loan loss allowance to noncurrent loans | 644.7867% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,042 |
| Noncurrent loans to loans | 0.1112% | 3,023 |
| Net loans and leases to total assets | 72.9900% | 1,466 |
| Net loans and leases to deposits | 91.0273% | 1,140 |
| Net loans and leases to core deposits | 92.8892% | 1,743 |
| Total domestic deposits to total assets | 80.1800% | 3,503 |
| Equity capital to assets | 12.8955% | 835 |
| Core capital (leverage) ratio | 12.1267% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,570,921,750 | 453 |
| Average earning assets | $2,424,213,500 | 435 |
| Average equity | $321,063,750 | 376 |
| Average total loans | $1,822,289,500 | 435 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 3,059 |
| Cost of funding earning assets | 0.6055% | 3,733 |
| Net interest margin | 3.7141% | 1,793 |
| Noninterest income to average assets | 0.6600% | 1,238 |
| Noninterest expense to average assets | 2.8671% | 1,286 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9421% | 2,607 |
| Return on assets (ROA) | 0.9476% | 2,583 |
| Pretax return on assets | 1.3074% | 2,065 |
| Return on Equity (ROE) | 7.6700% | 3,326 |
| Retained earnings to average equity (ytd only) | 7.6714% | 2,081 |
| Net charge-offs to loans | 0.0050% | 2,091 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 371.0444% | 386 |
| Efficiency ratio | 68.6091% | 1,908 |
| Assets per employee ($millions) | 5.9182% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7302% | 4,133 |
| Loan loss allowance to noncurrent loans | 490.4370% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.1090% | 2,780 |
| Noncurrent loans to loans | 0.1489% | 2,720 |
| Net loans and leases to total assets | 72.6500% | 1,456 |
| Net loans and leases to deposits | 90.4101% | 1,156 |
| Net loans and leases to core deposits | 92.1438% | 1,676 |
| Total domestic deposits to total assets | 80.3500% | 3,524 |
| Equity capital to assets | 12.6171% | 910 |
| Core capital (leverage) ratio | 11.9770% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,567,641,000 | 440 |
| Average earning assets | $2,421,504,667 | 425 |
| Average equity | $317,151,000 | 368 |
| Average total loans | $1,797,290,333 | 426 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1870% | 3,073 |
| Cost of funding earning assets | 0.4962% | 3,698 |
| Net interest margin | 3.6908% | 1,920 |
| Noninterest income to average assets | 0.6600% | 1,223 |
| Noninterest expense to average assets | 2.9148% | 1,207 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8879% | 2,894 |
| Return on assets (ROA) | 0.9058% | 2,794 |
| Pretax return on assets | 1.2491% | 2,301 |
| Return on Equity (ROE) | 7.4100% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.4125% | 2,387 |
| Net charge-offs to loans | 0.0036% | 1,871 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 492.5625% | 229 |
| Efficiency ratio | 70.1954% | 1,729 |
| Assets per employee ($millions) | 5.9912% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7665% | 4,147 |
| Loan loss allowance to noncurrent loans | 502.4533% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 2,762 |
| Noncurrent loans to loans | 0.1526% | 2,730 |
| Net loans and leases to total assets | 69.4400% | 1,678 |
| Net loans and leases to deposits | 86.0329% | 1,348 |
| Net loans and leases to core deposits | 87.3850% | 1,779 |
| Total domestic deposits to total assets | 80.7100% | 3,676 |
| Equity capital to assets | 12.3904% | 898 |
| Core capital (leverage) ratio | 11.7578% | 1,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,570,176,000 | 450 |
| Average earning assets | $2,424,852,500 | 434 |
| Average equity | $314,066,000 | 381 |
| Average total loans | $1,758,273,500 | 440 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3605% | 3,447 |
| Cost of funding earning assets | 0.1864% | 3,862 |
| Net interest margin | 3.1740% | 2,948 |
| Noninterest income to average assets | 0.7200% | 1,221 |
| Noninterest expense to average assets | 2.8192% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6513% | 3,753 |
| Return on assets (ROA) | 0.6481% | 3,714 |
| Pretax return on assets | 0.8951% | 3,373 |
| Return on Equity (ROE) | 5.6300% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.6323% | 2,773 |
| Net charge-offs to loans | -0.0188% | 4,042 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.6124% | 1,057 |
| Assets per employee ($millions) | 6.1626% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 4,038 |
| Loan loss allowance to noncurrent loans | 511.6574% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 2,764 |
| Noncurrent loans to loans | 0.1555% | 2,716 |
| Net loans and leases to total assets | 66.3300% | 1,998 |
| Net loans and leases to deposits | 82.4763% | 1,582 |
| Net loans and leases to core deposits | 83.5152% | 1,904 |
| Total domestic deposits to total assets | 80.4200% | 3,823 |
| Equity capital to assets | 12.0505% | 916 |
| Core capital (leverage) ratio | 11.1756% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,609,726,800 | 440 |
| Average earning assets | $2,465,309,200 | 427 |
| Average equity | $300,286,200 | 389 |
| Average total loans | $1,689,474,400 | 432 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1196% | 3,630 |
| Cost of funding earning assets | 0.1566% | 3,764 |
| Net interest margin | 2.9630% | 3,317 |
| Noninterest income to average assets | 0.7400% | 1,176 |
| Noninterest expense to average assets | 2.7882% | 1,268 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5425% | 3,986 |
| Return on assets (ROA) | 0.5386% | 3,934 |
| Pretax return on assets | 0.7444% | 3,708 |
| Return on Equity (ROE) | 4.7400% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.7365% | 3,185 |
| Net charge-offs to loans | -0.0246% | 4,065 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.6042% | 865 |
| Assets per employee ($millions) | 6.1460% | 2,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 4,078 |
| Loan loss allowance to noncurrent loans | 546.1814% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1001% | 2,954 |
| Noncurrent loans to loans | 0.1477% | 2,871 |
| Net loans and leases to total assets | 64.1700% | 2,067 |
| Net loans and leases to deposits | 78.9629% | 1,638 |
| Net loans and leases to core deposits | 79.9068% | 1,910 |
| Total domestic deposits to total assets | 81.2700% | 3,936 |
| Equity capital to assets | 11.5409% | 988 |
| Core capital (leverage) ratio | 10.8875% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,616,630,750 | 439 |
| Average earning assets | $2,472,744,500 | 425 |
| Average equity | $297,568,750 | 389 |
| Average total loans | $1,680,235,000 | 431 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8960% | 3,795 |
| Cost of funding earning assets | 0.1545% | 3,521 |
| Net interest margin | 2.7416% | 3,600 |
| Noninterest income to average assets | 0.7551% | 1,161 |
| Noninterest expense to average assets | 2.7195% | 1,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4526% | 3,996 |
| Return on assets (ROA) | 0.4531% | 3,950 |
| Pretax return on assets | 0.6264% | 3,762 |
| Return on Equity (ROE) | 4.0039% | 4,033 |
| Retained earnings to average equity (ytd only) | 4.0039% | 3,078 |
| Net charge-offs to loans | -0.0332% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0648% | 871 |
| Assets per employee ($millions) | 6.0301% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8096% | 4,158 |
| Loan loss allowance to noncurrent loans | 530.7633% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 2,990 |
| Noncurrent loans to loans | 0.1525% | 2,932 |
| Net loans and leases to total assets | 64.1350% | 1,900 |
| Net loans and leases to deposits | 78.7869% | 1,484 |
| Net loans and leases to core deposits | 79.7205% | 1,735 |
| Total domestic deposits to total assets | 81.4031% | 4,080 |
| Equity capital to assets | 11.4180% | 1,053 |
| Core capital (leverage) ratio | 10.7544% | 1,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,612,014,333 | 437 |
| Average earning assets | $2,467,846,000 | 427 |
| Average equity | $295,565,000 | 394 |
| Average total loans | $1,673,074,000 | 421 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7612% | 3,819 |
| Cost of funding earning assets | 0.1554% | 3,428 |
| Net interest margin | 2.6059% | 3,644 |
| Noninterest income to average assets | 0.6975% | 1,323 |
| Noninterest expense to average assets | 2.7234% | 1,307 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3135% | 4,118 |
| Return on assets (ROA) | 0.3201% | 4,071 |
| Pretax return on assets | 0.4428% | 3,965 |
| Return on Equity (ROE) | 2.8414% | 4,131 |
| Retained earnings to average equity (ytd only) | 2.8414% | 3,319 |
| Net charge-offs to loans | -0.0486% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9965% | 738 |
| Assets per employee ($millions) | 6.1188% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8235% | 4,205 |
| Loan loss allowance to noncurrent loans | 433.3015% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,983 |
| Noncurrent loans to loans | 0.1901% | 2,868 |
| Net loans and leases to total assets | 62.3580% | 1,813 |
| Net loans and leases to deposits | 76.2997% | 1,418 |
| Net loans and leases to core deposits | 77.1825% | 1,682 |
| Total domestic deposits to total assets | 81.7277% | 4,107 |
| Equity capital to assets | 11.2116% | 1,231 |
| Core capital (leverage) ratio | 10.7126% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,609,495,000 | 441 |
| Average earning assets | $2,463,981,000 | 429 |
| Average equity | $293,940,500 | 404 |
| Average total loans | $1,663,538,500 | 425 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9963% | 3,879 |
| Cost of funding earning assets | 0.2135% | 3,333 |
| Net interest margin | 2.7828% | 3,704 |
| Noninterest income to average assets | 0.9322% | 1,134 |
| Noninterest expense to average assets | 2.8532% | 1,244 |
| Loan and lease loss provision to assets | -0.0986% | 4,527 |
| Net operating income to assets | 0.5796% | 3,922 |
| Return on assets (ROA) | 0.5793% | 3,962 |
| Pretax return on assets | 0.8011% | 3,725 |
| Return on Equity (ROE) | 5.2291% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.2291% | 2,704 |
| Net charge-offs to loans | -0.1486% | 4,664 |
| Credit loss provision to net charge-offs | 99.1670% | 1,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0149% | 804 |
| Assets per employee ($millions) | 5.7255% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,262 |
| Loan loss allowance to noncurrent loans | 409.6764% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 3,049 |
| Noncurrent loans to loans | 0.1958% | 2,971 |
| Net loans and leases to total assets | 64.1191% | 1,688 |
| Net loans and leases to deposits | 78.7156% | 1,325 |
| Net loans and leases to core deposits | 79.6563% | 1,626 |
| Total domestic deposits to total assets | 81.4567% | 4,045 |
| Equity capital to assets | 11.3178% | 1,592 |
| Core capital (leverage) ratio | 10.5643% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,535,861,400 | 431 |
| Average earning assets | $2,391,032,000 | 422 |
| Average equity | $280,929,400 | 411 |
| Average total loans | $1,696,292,600 | 413 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0206% | 3,968 |
| Cost of funding earning assets | 0.2268% | 3,355 |
| Net interest margin | 2.7938% | 3,796 |
| Noninterest income to average assets | 0.8854% | 1,285 |
| Noninterest expense to average assets | 2.9048% | 1,121 |
| Loan and lease loss provision to assets | -0.1057% | 4,617 |
| Net operating income to assets | 0.5215% | 4,159 |
| Return on assets (ROA) | 0.5233% | 4,200 |
| Pretax return on assets | 0.7241% | 4,025 |
| Return on Equity (ROE) | 4.7501% | 4,176 |
| Retained earnings to average equity (ytd only) | 4.7501% | 3,312 |
| Net charge-offs to loans | -0.1584% | 4,735 |
| Credit loss provision to net charge-offs | 98.9120% | 1,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2776% | 618 |
| Assets per employee ($millions) | 5.6699% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 4,354 |
| Loan loss allowance to noncurrent loans | 372.8333% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.2010% | 2,786 |
| Noncurrent loans to loans | 0.2134% | 3,100 |
| Net loans and leases to total assets | 64.5919% | 1,699 |
| Net loans and leases to deposits | 79.0606% | 1,375 |
| Net loans and leases to core deposits | 80.3040% | 1,703 |
| Total domestic deposits to total assets | 81.6992% | 3,976 |
| Equity capital to assets | 11.1189% | 1,936 |
| Core capital (leverage) ratio | 10.5064% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,522,845,250 | 433 |
| Average earning assets | $2,379,890,250 | 426 |
| Average equity | $277,937,500 | 418 |
| Average total loans | $1,702,171,750 | 413 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0858% | 3,899 |
| Cost of funding earning assets | 0.2419% | 3,356 |
| Net interest margin | 2.8440% | 3,691 |
| Noninterest income to average assets | 0.8655% | 1,366 |
| Noninterest expense to average assets | 2.9305% | 1,103 |
| Loan and lease loss provision to assets | -0.1600% | 4,719 |
| Net operating income to assets | 0.5610% | 4,069 |
| Return on assets (ROA) | 0.5641% | 4,116 |
| Pretax return on assets | 0.7789% | 3,910 |
| Return on Equity (ROE) | 5.1365% | 4,103 |
| Retained earnings to average equity (ytd only) | 5.1365% | 3,134 |
| Net charge-offs to loans | -0.2194% | 4,806 |
| Credit loss provision to net charge-offs | 106.7806% | 1,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4282% | 639 |
| Assets per employee ($millions) | 5.4730% | 3,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 4,388 |
| Loan loss allowance to noncurrent loans | 324.1270% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2228% | 2,819 |
| Noncurrent loans to loans | 0.2415% | 3,082 |
| Net loans and leases to total assets | 66.2385% | 1,672 |
| Net loans and leases to deposits | 81.3278% | 1,293 |
| Net loans and leases to core deposits | 82.5807% | 1,672 |
| Total domestic deposits to total assets | 81.4463% | 4,022 |
| Equity capital to assets | 10.9492% | 2,020 |
| Core capital (leverage) ratio | 10.5341% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,500,073,333 | 435 |
| Average earning assets | $2,356,001,333 | 421 |
| Average equity | $274,547,000 | 418 |
| Average total loans | $1,707,195,000 | 415 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1373% | 3,811 |
| Cost of funding earning assets | 0.2692% | 3,285 |
| Net interest margin | 2.8681% | 3,597 |
| Noninterest income to average assets | 1.0727% | 1,019 |
| Noninterest expense to average assets | 2.9826% | 1,025 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5738% | 4,010 |
| Return on assets (ROA) | 0.5794% | 4,047 |
| Pretax return on assets | 0.7994% | 3,813 |
| Return on Equity (ROE) | 5.2684% | 4,038 |
| Retained earnings to average equity (ytd only) | 5.2684% | 3,137 |
| Net charge-offs to loans | -0.0212% | 4,021 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7978% | 911 |
| Assets per employee ($millions) | 5.0420% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 4,423 |
| Loan loss allowance to noncurrent loans | 292.6464% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 3,165 |
| Noncurrent loans to loans | 0.2711% | 3,137 |
| Net loans and leases to total assets | 67.1961% | 1,639 |
| Net loans and leases to deposits | 82.5435% | 1,297 |
| Net loans and leases to core deposits | 83.9556% | 1,685 |
| Total domestic deposits to total assets | 81.4069% | 4,001 |
| Equity capital to assets | 10.9360% | 1,908 |
| Core capital (leverage) ratio | 10.7275% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,480,382,000 | 435 |
| Average earning assets | $2,336,915,000 | 422 |
| Average equity | $272,795,500 | 415 |
| Average total loans | $1,713,107,500 | 414 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5475% | 3,928 |
| Cost of funding earning assets | 0.4968% | 2,971 |
| Net interest margin | 3.0507% | 3,750 |
| Noninterest income to average assets | 0.9254% | 1,204 |
| Noninterest expense to average assets | 2.9646% | 1,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6033% | 3,746 |
| Return on assets (ROA) | 0.6087% | 3,842 |
| Pretax return on assets | 0.8369% | 3,543 |
| Return on Equity (ROE) | 5.3007% | 3,815 |
| Retained earnings to average equity (ytd only) | 5.3007% | 2,140 |
| Net charge-offs to loans | -0.0107% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8026% | 1,046 |
| Assets per employee ($millions) | 5.0099% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7766% | 4,469 |
| Loan loss allowance to noncurrent loans | 285.2278% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2081% | 3,250 |
| Noncurrent loans to loans | 0.2723% | 3,217 |
| Net loans and leases to total assets | 69.8854% | 1,578 |
| Net loans and leases to deposits | 86.1488% | 1,243 |
| Net loans and leases to core deposits | 87.7674% | 1,716 |
| Total domestic deposits to total assets | 81.1218% | 3,850 |
| Equity capital to assets | 11.0618% | 2,202 |
| Core capital (leverage) ratio | 10.5845% | 2,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,303,578,400 | 425 |
| Average earning assets | $2,166,460,000 | 414 |
| Average equity | $264,548,600 | 403 |
| Average total loans | $1,701,393,000 | 399 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6128% | 3,985 |
| Cost of funding earning assets | 0.5400% | 2,993 |
| Net interest margin | 3.0727% | 3,803 |
| Noninterest income to average assets | 0.8686% | 1,311 |
| Noninterest expense to average assets | 2.9787% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5671% | 3,862 |
| Return on assets (ROA) | 0.5747% | 3,942 |
| Pretax return on assets | 0.7900% | 3,671 |
| Return on Equity (ROE) | 4.9552% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.9552% | 2,576 |
| Net charge-offs to loans | -0.0048% | 4,040 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8707% | 956 |
| Assets per employee ($millions) | 4.8906% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7597% | 4,458 |
| Loan loss allowance to noncurrent loans | 292.6824% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 3,423 |
| Noncurrent loans to loans | 0.2596% | 3,372 |
| Net loans and leases to total assets | 71.3684% | 1,762 |
| Net loans and leases to deposits | 87.8946% | 1,497 |
| Net loans and leases to core deposits | 89.9745% | 1,969 |
| Total domestic deposits to total assets | 81.1977% | 3,613 |
| Equity capital to assets | 10.9745% | 2,412 |
| Core capital (leverage) ratio | 10.6215% | 2,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,267,009,250 | 421 |
| Average earning assets | $2,132,597,000 | 411 |
| Average equity | $262,936,250 | 396 |
| Average total loans | $1,695,368,500 | 395 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 4,034 |
| Cost of funding earning assets | 0.5872% | 3,031 |
| Net interest margin | 3.1376% | 3,820 |
| Noninterest income to average assets | 0.7916% | 1,459 |
| Noninterest expense to average assets | 2.9864% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5432% | 3,902 |
| Return on assets (ROA) | 0.5520% | 3,961 |
| Pretax return on assets | 0.7640% | 3,693 |
| Return on Equity (ROE) | 4.6670% | 3,930 |
| Retained earnings to average equity (ytd only) | 4.6670% | 2,624 |
| Net charge-offs to loans | 0.0067% | 2,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 148.7321% | 538 |
| Efficiency ratio | 79.4179% | 933 |
| Assets per employee ($millions) | 4.7596% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,451 |
| Loan loss allowance to noncurrent loans | 296.8426% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 3,546 |
| Noncurrent loans to loans | 0.2540% | 3,470 |
| Net loans and leases to total assets | 72.9495% | 1,565 |
| Net loans and leases to deposits | 90.1920% | 1,339 |
| Net loans and leases to core deposits | 92.2096% | 1,882 |
| Total domestic deposits to total assets | 80.8825% | 3,635 |
| Equity capital to assets | 11.1515% | 2,208 |
| Core capital (leverage) ratio | 10.8364% | 2,085 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,212,475,000 | 422 |
| Average earning assets | $2,078,593,000 | 410 |
| Average equity | $261,665,667 | 398 |
| Average total loans | $1,677,835,000 | 396 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9468% | 3,941 |
| Cost of funding earning assets | 0.6453% | 3,189 |
| Net interest margin | 3.3016% | 3,589 |
| Noninterest income to average assets | 0.7235% | 1,555 |
| Noninterest expense to average assets | 3.1451% | 1,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4829% | 3,939 |
| Return on assets (ROA) | 0.4947% | 3,967 |
| Pretax return on assets | 0.6866% | 3,724 |
| Return on Equity (ROE) | 4.0542% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.0542% | 2,660 |
| Net charge-offs to loans | 0.0039% | 2,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 223.6250% | 311 |
| Efficiency ratio | 81.9080% | 979 |
| Assets per employee ($millions) | 4.6418% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,398 |
| Loan loss allowance to noncurrent loans | 262.6741% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 3,426 |
| Noncurrent loans to loans | 0.3067% | 3,404 |
| Net loans and leases to total assets | 73.4272% | 1,706 |
| Net loans and leases to deposits | 91.9155% | 1,289 |
| Net loans and leases to core deposits | 94.3069% | 1,943 |
| Total domestic deposits to total assets | 79.8855% | 3,883 |
| Equity capital to assets | 11.8055% | 2,210 |
| Core capital (leverage) ratio | 11.9382% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,131,194,500 | 422 |
| Average earning assets | $1,996,637,500 | 413 |
| Average equity | $260,073,000 | 400 |
| Average total loans | $1,643,882,500 | 392 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2933% | 3,552 |
| Cost of funding earning assets | 0.6446% | 3,440 |
| Net interest margin | 3.6488% | 2,972 |
| Noninterest income to average assets | 0.7214% | 1,738 |
| Noninterest expense to average assets | 3.3088% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5882% | 4,197 |
| Return on assets (ROA) | 0.6094% | 4,194 |
| Pretax return on assets | 0.8454% | 3,892 |
| Return on Equity (ROE) | 4.8820% | 4,241 |
| Retained earnings to average equity (ytd only) | 4.8820% | 2,479 |
| Net charge-offs to loans | -0.0007% | 4,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6849% | 969 |
| Assets per employee ($millions) | 4.3672% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 4,298 |
| Loan loss allowance to noncurrent loans | 253.5098% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,184 |
| Noncurrent loans to loans | 0.3162% | 3,303 |
| Net loans and leases to total assets | 79.8519% | 812 |
| Net loans and leases to deposits | 93.1297% | 1,243 |
| Net loans and leases to core deposits | 95.6495% | 1,928 |
| Total domestic deposits to total assets | 85.7426% | 2,168 |
| Equity capital to assets | 12.6331% | 1,748 |
| Core capital (leverage) ratio | 11.8986% | 1,842 |
| Tier 1 risk-based capital ratio | 15.7645% | 2,487 |
| Total risk-based capital ratio | 16.6342% | 2,555 |
| Memoranda: | ||
| Average total assets | $2,034,729,000 | 416 |
| Average earning assets | $1,899,356,200 | 410 |
| Average equity | $253,993,600 | 388 |
| Average total loans | $1,641,975,800 | 379 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 3,662 |
| Cost of funding earning assets | 0.6311% | 3,531 |
| Net interest margin | 3.6662% | 3,042 |
| Noninterest income to average assets | 0.6862% | 1,846 |
| Noninterest expense to average assets | 3.2802% | 1,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5962% | 4,302 |
| Return on assets (ROA) | 0.5962% | 4,355 |
| Pretax return on assets | 0.8279% | 4,057 |
| Return on Equity (ROE) | 4.7910% | 4,384 |
| Retained earnings to average equity (ytd only) | 4.7910% | 2,995 |
| Net charge-offs to loans | 0.0041% | 3,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 247.3272% | 377 |
| Efficiency ratio | 79.3606% | 978 |
| Assets per employee ($millions) | 4.3870% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7871% | 4,447 |
| Loan loss allowance to noncurrent loans | 276.3075% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 3,234 |
| Noncurrent loans to loans | 0.2849% | 3,517 |
| Net loans and leases to total assets | 80.9325% | 714 |
| Net loans and leases to deposits | 94.2129% | 1,204 |
| Net loans and leases to core deposits | 96.8093% | 1,932 |
| Total domestic deposits to total assets | 85.9038% | 2,036 |
| Equity capital to assets | 12.4681% | 1,937 |
| Core capital (leverage) ratio | 11.8644% | 1,948 |
| Tier 1 risk-based capital ratio | 15.5745% | 2,613 |
| Total risk-based capital ratio | 16.4420% | 2,691 |
| Memoranda: | ||
| Average total assets | $2,031,351,750 | 420 |
| Average earning assets | $1,896,006,000 | 413 |
| Average equity | $252,803,250 | 391 |
| Average total loans | $1,640,276,250 | 385 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 3,759 |
| Cost of funding earning assets | 0.6043% | 3,628 |
| Net interest margin | 3.6568% | 3,084 |
| Noninterest income to average assets | 0.7592% | 1,482 |
| Noninterest expense to average assets | 3.2561% | 1,374 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6583% | 4,135 |
| Return on assets (ROA) | 0.6583% | 4,190 |
| Pretax return on assets | 0.9115% | 3,811 |
| Return on Equity (ROE) | 5.2929% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.2929% | 2,625 |
| Net charge-offs to loans | -0.0032% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6488% | 1,200 |
| Assets per employee ($millions) | 4.4022% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8015% | 4,434 |
| Loan loss allowance to noncurrent loans | 247.1423% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4911% | 2,577 |
| Noncurrent loans to loans | 0.3243% | 3,372 |
| Net loans and leases to total assets | 79.9976% | 879 |
| Net loans and leases to deposits | 93.2448% | 1,348 |
| Net loans and leases to core deposits | 95.8132% | 2,088 |
| Total domestic deposits to total assets | 85.7932% | 2,138 |
| Equity capital to assets | 12.4769% | 1,870 |
| Core capital (leverage) ratio | 11.8508% | 1,916 |
| Tier 1 risk-based capital ratio | 15.8122% | 2,496 |
| Total risk-based capital ratio | 16.7075% | 2,561 |
| Memoranda: | ||
| Average total assets | $2,025,554,670 | 422 |
| Average earning assets | $1,887,952,670 | 415 |
| Average equity | $251,924,330 | 394 |
| Average total loans | $1,629,950,330 | 389 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2346% | 3,764 |
| Cost of funding earning assets | 0.5591% | 3,788 |
| Net interest margin | 3.6756% | 2,987 |
| Noninterest income to average assets | 0.7699% | 1,365 |
| Noninterest expense to average assets | 3.3820% | 1,142 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5857% | 4,283 |
| Return on assets (ROA) | 0.5857% | 4,315 |
| Pretax return on assets | 0.8102% | 4,013 |
| Return on Equity (ROE) | 4.7166% | 4,405 |
| Retained earnings to average equity (ytd only) | 4.7166% | 3,034 |
| Net charge-offs to loans | 0.0111% | 2,287 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 90.6889% | 714 |
| Efficiency ratio | 80.1951% | 1,046 |
| Assets per employee ($millions) | 4.2600% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8088% | 4,494 |
| Loan loss allowance to noncurrent loans | 206.9340% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.5684% | 2,364 |
| Noncurrent loans to loans | 0.3909% | 3,185 |
| Net loans and leases to total assets | 80.7854% | 742 |
| Net loans and leases to deposits | 94.0528% | 1,170 |
| Net loans and leases to core deposits | 96.4323% | 1,898 |
| Total domestic deposits to total assets | 85.8937% | 2,324 |
| Equity capital to assets | 12.5963% | 1,684 |
| Core capital (leverage) ratio | 11.9868% | 1,783 |
| Tier 1 risk-based capital ratio | 15.8687% | 2,502 |
| Total risk-based capital ratio | 16.7773% | 2,558 |
| Memoranda: | ||
| Average total assets | $2,014,811,000 | 422 |
| Average earning assets | $1,875,956,000 | 418 |
| Average equity | $250,182,500 | 397 |
| Average total loans | $1,619,517,000 | 394 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 4,050 |
| Cost of funding earning assets | 0.4220% | 3,841 |
| Net interest margin | 3.5713% | 3,482 |
| Noninterest income to average assets | 0.7857% | 1,495 |
| Noninterest expense to average assets | 3.1967% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6627% | 4,249 |
| Return on assets (ROA) | 0.6627% | 4,256 |
| Pretax return on assets | 0.9122% | 3,863 |
| Return on Equity (ROE) | 5.4315% | 4,343 |
| Retained earnings to average equity (ytd only) | 5.4315% | 2,516 |
| Net charge-offs to loans | -0.0176% | 4,666 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3037% | 1,201 |
| Assets per employee ($millions) | 4.3598% | 3,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 4,463 |
| Loan loss allowance to noncurrent loans | 174.7420% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5822% | 2,298 |
| Noncurrent loans to loans | 0.4689% | 2,870 |
| Net loans and leases to total assets | 78.6847% | 1,150 |
| Net loans and leases to deposits | 91.3141% | 1,626 |
| Net loans and leases to core deposits | 93.6601% | 2,255 |
| Total domestic deposits to total assets | 86.1693% | 2,145 |
| Equity capital to assets | 12.2410% | 1,732 |
| Core capital (leverage) ratio | 11.5342% | 2,078 |
| Tier 1 risk-based capital ratio | 15.8871% | 2,452 |
| Total risk-based capital ratio | 16.8121% | 2,516 |
| Memoranda: | ||
| Average total assets | $1,986,655,600 | 417 |
| Average earning assets | $1,848,631,600 | 411 |
| Average equity | $242,383,000 | 395 |
| Average total loans | $1,547,476,600 | 392 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9087% | 4,192 |
| Cost of funding earning assets | 0.3883% | 3,950 |
| Net interest margin | 3.5204% | 3,631 |
| Noninterest income to average assets | 0.7618% | 1,622 |
| Noninterest expense to average assets | 3.1599% | 1,621 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6399% | 4,400 |
| Return on assets (ROA) | 0.6399% | 4,406 |
| Pretax return on assets | 0.8789% | 4,092 |
| Return on Equity (ROE) | 5.2489% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.2489% | 3,089 |
| Net charge-offs to loans | -0.0166% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7299% | 1,143 |
| Assets per employee ($millions) | 4.2738% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 4,534 |
| Loan loss allowance to noncurrent loans | 155.0201% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.7019% | 2,099 |
| Noncurrent loans to loans | 0.5330% | 2,786 |
| Net loans and leases to total assets | 80.6544% | 920 |
| Net loans and leases to deposits | 93.9902% | 1,380 |
| Net loans and leases to core deposits | 95.9722% | 2,118 |
| Total domestic deposits to total assets | 85.8115% | 2,280 |
| Equity capital to assets | 12.5432% | 1,557 |
| Core capital (leverage) ratio | 11.7606% | 1,950 |
| Tier 1 risk-based capital ratio | 15.9671% | 2,461 |
| Total risk-based capital ratio | 16.9067% | 2,521 |
| Memoranda: | ||
| Average total assets | $1,975,400,750 | 417 |
| Average earning assets | $1,838,796,750 | 411 |
| Average equity | $240,804,500 | 394 |
| Average total loans | $1,531,389,750 | 395 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 4,372 |
| Cost of funding earning assets | 0.3723% | 3,923 |
| Net interest margin | 3.4169% | 3,903 |
| Noninterest income to average assets | 0.7865% | 1,513 |
| Noninterest expense to average assets | 3.1925% | 1,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5528% | 4,627 |
| Return on assets (ROA) | 0.5528% | 4,628 |
| Pretax return on assets | 0.7718% | 4,327 |
| Return on Equity (ROE) | 4.5787% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.5787% | 3,304 |
| Net charge-offs to loans | -0.0386% | 4,828 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0142% | 1,017 |
| Assets per employee ($millions) | 4.1505% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 4,524 |
| Loan loss allowance to noncurrent loans | 146.1165% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 1,995 |
| Noncurrent loans to loans | 0.5875% | 2,654 |
| Net loans and leases to total assets | 77.9606% | 1,321 |
| Net loans and leases to deposits | 90.7020% | 1,748 |
| Net loans and leases to core deposits | 92.5365% | 2,350 |
| Total domestic deposits to total assets | 85.9525% | 2,304 |
| Equity capital to assets | 12.3609% | 1,624 |
| Core capital (leverage) ratio | 11.5358% | 2,041 |
| Tier 1 risk-based capital ratio | 16.1659% | 2,383 |
| Total risk-based capital ratio | 17.1495% | 2,416 |
| Memoranda: | ||
| Average total assets | $1,982,821,330 | 416 |
| Average earning assets | $1,844,126,670 | 411 |
| Average equity | $239,410,330 | 393 |
| Average total loans | $1,512,381,000 | 397 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 4,431 |
| Cost of funding earning assets | 0.3609% | 3,905 |
| Net interest margin | 3.3565% | 4,031 |
| Noninterest income to average assets | 0.7498% | 1,623 |
| Noninterest expense to average assets | 3.1934% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5394% | 4,607 |
| Return on assets (ROA) | 0.5394% | 4,611 |
| Pretax return on assets | 0.6806% | 4,496 |
| Return on Equity (ROE) | 4.5203% | 4,629 |
| Retained earnings to average equity (ytd only) | 4.5203% | 3,396 |
| Net charge-offs to loans | -0.0646% | 5,076 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9090% | 953 |
| Assets per employee ($millions) | 4.1558% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8785% | 4,538 |
| Loan loss allowance to noncurrent loans | 143.3156% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8104% | 1,958 |
| Noncurrent loans to loans | 0.6130% | 2,705 |
| Net loans and leases to total assets | 76.2669% | 1,496 |
| Net loans and leases to deposits | 88.4211% | 1,879 |
| Net loans and leases to core deposits | 90.1914% | 2,434 |
| Total domestic deposits to total assets | 86.2542% | 2,420 |
| Equity capital to assets | 12.2813% | 1,616 |
| Core capital (leverage) ratio | 11.4512% | 2,050 |
| Tier 1 risk-based capital ratio | 16.5655% | 2,254 |
| Total risk-based capital ratio | 17.5830% | 2,292 |
| Memoranda: | ||
| Average total assets | $1,994,711,000 | 421 |
| Average earning assets | $1,856,689,500 | 416 |
| Average equity | $238,038,000 | 400 |
| Average total loans | $1,498,318,500 | 403 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7579% | 4,192 |
| Cost of funding earning assets | 0.3112% | 4,027 |
| Net interest margin | 3.4467% | 3,697 |
| Noninterest income to average assets | 0.8616% | 1,378 |
| Noninterest expense to average assets | 3.2496% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3422% | 4,847 |
| Return on assets (ROA) | 0.3422% | 4,871 |
| Pretax return on assets | 0.7935% | 4,263 |
| Return on Equity (ROE) | 2.8323% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.8323% | 3,620 |
| Net charge-offs to loans | 0.0170% | 3,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 60.1660% | 955 |
| Efficiency ratio | 79.3726% | 1,174 |
| Assets per employee ($millions) | 4.3597% | 3,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8640% | 4,616 |
| Loan loss allowance to noncurrent loans | 131.9559% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 1,791 |
| Noncurrent loans to loans | 0.6547% | 2,582 |
| Net loans and leases to total assets | 72.7342% | 2,128 |
| Net loans and leases to deposits | 87.2555% | 2,104 |
| Net loans and leases to core deposits | 88.9740% | 2,654 |
| Total domestic deposits to total assets | 83.3578% | 3,443 |
| Equity capital to assets | 11.6012% | 2,114 |
| Core capital (leverage) ratio | 11.3740% | 2,039 |
| Tier 1 risk-based capital ratio | 16.2451% | 2,346 |
| Total risk-based capital ratio | 17.2354% | 2,376 |
| Memoranda: | ||
| Average total assets | $1,918,253,000 | 425 |
| Average earning assets | $1,770,662,800 | 418 |
| Average equity | $231,792,800 | 393 |
| Average total loans | $1,486,628,200 | 393 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7786% | 4,076 |
| Cost of funding earning assets | 0.3074% | 4,058 |
| Net interest margin | 3.4712% | 3,595 |
| Noninterest income to average assets | 0.8800% | 1,338 |
| Noninterest expense to average assets | 3.2911% | 1,372 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4722% | 4,819 |
| Return on assets (ROA) | 0.4722% | 4,857 |
| Pretax return on assets | 0.7870% | 4,386 |
| Return on Equity (ROE) | 3.8658% | 4,892 |
| Retained earnings to average equity (ytd only) | 3.8658% | 3,622 |
| Net charge-offs to loans | 0.0192% | 3,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 52.0694% | 1,091 |
| Efficiency ratio | 79.5320% | 1,159 |
| Assets per employee ($millions) | 4.0513% | 3,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 4,705 |
| Loan loss allowance to noncurrent loans | 114.1499% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.8635% | 1,990 |
| Noncurrent loans to loans | 0.7573% | 2,466 |
| Net loans and leases to total assets | 78.4584% | 1,203 |
| Net loans and leases to deposits | 91.2123% | 1,663 |
| Net loans and leases to core deposits | 92.5797% | 2,391 |
| Total domestic deposits to total assets | 86.0173% | 2,300 |
| Equity capital to assets | 12.4259% | 1,699 |
| Core capital (leverage) ratio | 11.6175% | 1,938 |
| Tier 1 risk-based capital ratio | 15.9477% | 2,532 |
| Total risk-based capital ratio | 16.9225% | 2,584 |
| Memoranda: | ||
| Average total assets | $1,887,730,250 | 432 |
| Average earning assets | $1,739,219,000 | 428 |
| Average equity | $230,565,000 | 397 |
| Average total loans | $1,484,045,000 | 395 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 4,165 |
| Cost of funding earning assets | 0.3038% | 4,043 |
| Net interest margin | 3.4154% | 3,716 |
| Noninterest income to average assets | 0.8922% | 1,293 |
| Noninterest expense to average assets | 3.3293% | 1,317 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4223% | 4,924 |
| Return on assets (ROA) | 0.4223% | 4,951 |
| Pretax return on assets | 0.7038% | 4,536 |
| Return on Equity (ROE) | 3.4777% | 4,980 |
| Retained earnings to average equity (ytd only) | 3.4777% | 3,633 |
| Net charge-offs to loans | -0.0239% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3712% | 1,066 |
| Assets per employee ($millions) | 3.9785% | 3,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,701 |
| Loan loss allowance to noncurrent loans | 102.3201% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.9596% | 1,826 |
| Noncurrent loans to loans | 0.8636% | 2,254 |
| Net loans and leases to total assets | 78.9849% | 1,093 |
| Net loans and leases to deposits | 91.8044% | 1,527 |
| Net loans and leases to core deposits | 93.1231% | 2,236 |
| Total domestic deposits to total assets | 86.0360% | 2,365 |
| Equity capital to assets | 12.1730% | 1,811 |
| Core capital (leverage) ratio | 11.5206% | 1,955 |
| Tier 1 risk-based capital ratio | 15.7507% | 2,599 |
| Total risk-based capital ratio | 16.7494% | 2,638 |
| Memoranda: | ||
| Average total assets | $1,884,977,670 | 433 |
| Average earning assets | $1,733,436,670 | 428 |
| Average equity | $228,889,000 | 400 |
| Average total loans | $1,478,549,000 | 396 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7174% | 4,062 |
| Cost of funding earning assets | 0.2969% | 4,078 |
| Net interest margin | 3.4206% | 3,567 |
| Noninterest income to average assets | 0.8443% | 1,418 |
| Noninterest expense to average assets | 3.3964% | 1,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3501% | 5,075 |
| Return on assets (ROA) | 0.3501% | 5,097 |
| Pretax return on assets | 0.5834% | 4,767 |
| Return on Equity (ROE) | 2.8864% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.8864% | 3,973 |
| Net charge-offs to loans | -0.0493% | 5,177 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1528% | 956 |
| Assets per employee ($millions) | 3.9426% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,717 |
| Loan loss allowance to noncurrent loans | 97.4340% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 1,703 |
| Noncurrent loans to loans | 0.9349% | 2,171 |
| Net loans and leases to total assets | 77.3162% | 1,227 |
| Net loans and leases to deposits | 89.8339% | 1,555 |
| Net loans and leases to core deposits | 91.1171% | 2,250 |
| Total domestic deposits to total assets | 86.0657% | 2,636 |
| Equity capital to assets | 12.1601% | 1,732 |
| Core capital (leverage) ratio | 11.5816% | 1,893 |
| Tier 1 risk-based capital ratio | 16.1357% | 2,497 |
| Total risk-based capital ratio | 17.1697% | 2,530 |
| Memoranda: | ||
| Average total assets | $1,878,586,500 | 438 |
| Average earning assets | $1,722,051,500 | 436 |
| Average equity | $227,826,000 | 403 |
| Average total loans | $1,461,670,500 | 400 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6949% | 4,222 |
| Cost of funding earning assets | 0.4109% | 2,896 |
| Net interest margin | 3.2840% | 4,194 |
| Noninterest income to average assets | 0.8814% | 1,476 |
| Noninterest expense to average assets | 3.6747% | 911 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1335% | 5,520 |
| Return on assets (ROA) | 0.2676% | 5,355 |
| Pretax return on assets | 0.4461% | 5,131 |
| Return on Equity (ROE) | 2.1416% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.1416% | 4,312 |
| Net charge-offs to loans | -0.0368% | 5,310 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8729% | 427 |
| Assets per employee ($millions) | 3.9177% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 4,767 |
| Loan loss allowance to noncurrent loans | 125.2851% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8678% | 2,177 |
| Noncurrent loans to loans | 0.7228% | 2,730 |
| Net loans and leases to total assets | 76.8839% | 1,380 |
| Net loans and leases to deposits | 89.2831% | 1,768 |
| Net loans and leases to core deposits | 90.3210% | 2,474 |
| Total domestic deposits to total assets | 86.1125% | 2,529 |
| Equity capital to assets | 12.0948% | 1,742 |
| Core capital (leverage) ratio | 11.5741% | 1,876 |
| Tier 1 risk-based capital ratio | 15.9213% | 2,582 |
| Total risk-based capital ratio | 16.9365% | 2,602 |
| Memoranda: | ||
| Average total assets | $1,800,847,000 | 430 |
| Average earning assets | $1,661,431,400 | 429 |
| Average equity | $225,015,200 | 393 |
| Average total loans | $1,375,146,000 | 396 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 4,386 |
| Cost of funding earning assets | 0.4489% | 2,565 |
| Net interest margin | 3.2072% | 4,473 |
| Noninterest income to average assets | 0.8856% | 1,456 |
| Noninterest expense to average assets | 3.6305% | 948 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1240% | 5,595 |
| Return on assets (ROA) | 0.3048% | 5,359 |
| Pretax return on assets | 0.5080% | 5,106 |
| Return on Equity (ROE) | 2.4187% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.4187% | 4,469 |
| Net charge-offs to loans | -0.0376% | 5,259 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1212% | 424 |
| Assets per employee ($millions) | 3.8878% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9550% | 4,637 |
| Loan loss allowance to noncurrent loans | 133.6950% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8234% | 2,484 |
| Noncurrent loans to loans | 0.7143% | 2,892 |
| Net loans and leases to total assets | 77.0864% | 1,345 |
| Net loans and leases to deposits | 90.4274% | 1,700 |
| Net loans and leases to core deposits | 91.3797% | 2,446 |
| Total domestic deposits to total assets | 85.2467% | 2,699 |
| Equity capital to assets | 12.8787% | 1,558 |
| Core capital (leverage) ratio | 12.3084% | 1,479 |
| Tier 1 risk-based capital ratio | 17.2760% | 2,138 |
| Total risk-based capital ratio | 18.3621% | 2,150 |
| Memoranda: | ||
| Average total assets | $1,781,916,500 | 434 |
| Average earning assets | $1,650,363,000 | 433 |
| Average equity | $224,527,000 | 393 |
| Average total loans | $1,354,941,500 | 403 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5945% | 4,606 |
| Cost of funding earning assets | 0.5306% | 1,867 |
| Net interest margin | 3.0639% | 4,931 |
| Noninterest income to average assets | 0.8537% | 1,530 |
| Noninterest expense to average assets | 3.6406% | 950 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0145% | 5,755 |
| Return on assets (ROA) | 0.2843% | 5,443 |
| Pretax return on assets | 0.4739% | 5,191 |
| Return on Equity (ROE) | 2.2730% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.2730% | 4,428 |
| Net charge-offs to loans | -0.0351% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5132% | 299 |
| Assets per employee ($millions) | 3.8256% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 4,773 |
| Loan loss allowance to noncurrent loans | 111.9130% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.9945% | 2,150 |
| Noncurrent loans to loans | 0.8456% | 2,630 |
| Net loans and leases to total assets | 78.5383% | 1,130 |
| Net loans and leases to deposits | 92.2696% | 1,478 |
| Net loans and leases to core deposits | 93.2807% | 2,231 |
| Total domestic deposits to total assets | 85.1183% | 2,818 |
| Equity capital to assets | 13.0892% | 1,450 |
| Core capital (leverage) ratio | 11.7328% | 1,826 |
| Tier 1 risk-based capital ratio | 17.5494% | 2,054 |
| Total risk-based capital ratio | 18.6491% | 2,063 |
| Memoranda: | ||
| Average total assets | $1,790,121,000 | 430 |
| Average earning assets | $1,658,882,670 | 427 |
| Average equity | $223,930,330 | 394 |
| Average total loans | $1,350,687,330 | 403 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 4,935 |
| Cost of funding earning assets | 0.5354% | 1,824 |
| Net interest margin | 2.9451% | 5,233 |
| Noninterest income to average assets | 0.7937% | 1,643 |
| Noninterest expense to average assets | 3.2063% | 1,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1914% | 5,541 |
| Return on assets (ROA) | 0.1914% | 5,597 |
| Pretax return on assets | 0.3190% | 5,478 |
| Return on Equity (ROE) | 1.5643% | 5,601 |
| Retained earnings to average equity (ytd only) | 1.5643% | 4,644 |
| Net charge-offs to loans | -0.0697% | 5,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8501% | 681 |
| Assets per employee ($millions) | 4.0700% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 4,814 |
| Loan loss allowance to noncurrent loans | 85.7048% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.1609% | 1,890 |
| Noncurrent loans to loans | 1.1171% | 2,164 |
| Net loans and leases to total assets | 73.7595% | 1,764 |
| Net loans and leases to deposits | 91.6213% | 1,393 |
| Net loans and leases to core deposits | 92.7109% | 2,121 |
| Total domestic deposits to total assets | 80.5048% | 4,629 |
| Equity capital to assets | 12.3494% | 1,783 |
| Core capital (leverage) ratio | 11.6507% | 1,865 |
| Tier 1 risk-based capital ratio | 17.7319% | 2,060 |
| Total risk-based capital ratio | 18.8524% | 2,065 |
| Memoranda: | ||
| Average total assets | $1,824,417,500 | 420 |
| Average earning assets | $1,692,151,000 | 413 |
| Average equity | $223,228,500 | 393 |
| Average total loans | $1,343,543,000 | 404 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6488% | 4,527 |
| Cost of funding earning assets | 0.5324% | 1,903 |
| Net interest margin | 3.1164% | 4,863 |
| Noninterest income to average assets | 0.8128% | 1,734 |
| Noninterest expense to average assets | 3.2137% | 1,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2888% | 5,390 |
| Return on assets (ROA) | 0.2888% | 5,475 |
| Pretax return on assets | 0.4814% | 5,150 |
| Return on Equity (ROE) | 2.3409% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.3409% | 4,392 |
| Net charge-offs to loans | -0.0039% | 4,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7016% | 1,019 |
| Assets per employee ($millions) | 4.1577% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 4,883 |
| Loan loss allowance to noncurrent loans | 80.8570% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 1,822 |
| Noncurrent loans to loans | 1.1718% | 2,017 |
| Net loans and leases to total assets | 72.1341% | 2,027 |
| Net loans and leases to deposits | 89.2134% | 1,719 |
| Net loans and leases to core deposits | 90.1338% | 2,390 |
| Total domestic deposits to total assets | 80.8557% | 4,525 |
| Equity capital to assets | 12.1234% | 1,866 |
| Core capital (leverage) ratio | 11.5009% | 1,958 |
| Tier 1 risk-based capital ratio | 18.4239% | 1,850 |
| Total risk-based capital ratio | 19.5706% | 1,832 |
| Memoranda: | ||
| Average total assets | $1,798,678,800 | 403 |
| Average earning assets | $1,663,551,200 | 404 |
| Average equity | $221,927,000 | 384 |
| Average total loans | $1,337,382,600 | 379 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 4,531 |
| Cost of funding earning assets | 0.5297% | 1,964 |
| Net interest margin | 3.1381% | 4,853 |
| Noninterest income to average assets | 0.7790% | 1,888 |
| Noninterest expense to average assets | 3.2196% | 1,916 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2776% | 5,522 |
| Return on assets (ROA) | 0.2776% | 5,599 |
| Pretax return on assets | 0.4625% | 5,316 |
| Return on Equity (ROE) | 2.2395% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.2395% | 4,761 |
| Net charge-offs to loans | -0.0254% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1368% | 994 |
| Assets per employee ($millions) | 4.0972% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9709% | 4,890 |
| Loan loss allowance to noncurrent loans | 69.6378% | 4,429 |
| Noncurrent assets plus other real estate owned to assets | 1.5149% | 1,482 |
| Noncurrent loans to loans | 1.3943% | 1,829 |
| Net loans and leases to total assets | 72.7214% | 1,952 |
| Net loans and leases to deposits | 90.2425% | 1,613 |
| Net loans and leases to core deposits | 91.1274% | 2,344 |
| Total domestic deposits to total assets | 80.5845% | 4,583 |
| Equity capital to assets | 12.2492% | 1,908 |
| Core capital (leverage) ratio | 11.5112% | 2,025 |
| Tier 1 risk-based capital ratio | 18.1972% | 1,982 |
| Total risk-based capital ratio | 19.3476% | 1,966 |
| Memoranda: | ||
| Average total assets | $1,788,922,500 | 408 |
| Average earning assets | $1,654,968,250 | 406 |
| Average equity | $221,710,500 | 391 |
| Average total loans | $1,337,155,500 | 383 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6976% | 4,419 |
| Cost of funding earning assets | 0.5214% | 2,058 |
| Net interest margin | 3.1762% | 4,728 |
| Noninterest income to average assets | 0.8218% | 1,695 |
| Noninterest expense to average assets | 3.2556% | 1,829 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2998% | 5,436 |
| Return on assets (ROA) | 0.2998% | 5,540 |
| Pretax return on assets | 0.4997% | 5,227 |
| Return on Equity (ROE) | 2.4099% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.4099% | 4,525 |
| Net charge-offs to loans | -0.0789% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4113% | 1,107 |
| Assets per employee ($millions) | 4.0086% | 3,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 4,961 |
| Loan loss allowance to noncurrent loans | 68.1376% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 1.7252% | 1,373 |
| Noncurrent loans to loans | 1.4397% | 1,851 |
| Net loans and leases to total assets | 74.1099% | 1,644 |
| Net loans and leases to deposits | 92.0082% | 1,374 |
| Net loans and leases to core deposits | 92.8737% | 2,077 |
| Total domestic deposits to total assets | 80.5471% | 4,733 |
| Equity capital to assets | 12.4558% | 1,685 |
| Core capital (leverage) ratio | 11.5322% | 1,967 |
| Tier 1 risk-based capital ratio | 17.4442% | 2,236 |
| Total risk-based capital ratio | 18.5767% | 2,238 |
| Memoranda: | ||
| Average total assets | $1,782,941,670 | 410 |
| Average earning assets | $1,646,730,000 | 409 |
| Average equity | $221,838,670 | 389 |
| Average total loans | $1,340,587,000 | 381 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,390 |
| Cost of funding earning assets | 0.5163% | 2,143 |
| Net interest margin | 3.1765% | 4,687 |
| Noninterest income to average assets | 0.7784% | 1,794 |
| Noninterest expense to average assets | 3.2329% | 1,893 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2859% | 5,459 |
| Return on assets (ROA) | 0.2859% | 5,555 |
| Pretax return on assets | 0.4764% | 5,244 |
| Return on Equity (ROE) | 2.2988% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.2988% | 4,540 |
| Net charge-offs to loans | -0.0057% | 4,530 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8598% | 1,194 |
| Assets per employee ($millions) | 3.8858% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 5,278 |
| Loan loss allowance to noncurrent loans | 54.2930% | 4,894 |
| Noncurrent assets plus other real estate owned to assets | 2.0562% | 1,142 |
| Noncurrent loans to loans | 1.7364% | 1,572 |
| Net loans and leases to total assets | 74.6684% | 1,406 |
| Net loans and leases to deposits | 92.7242% | 1,111 |
| Net loans and leases to core deposits | 93.5734% | 1,802 |
| Total domestic deposits to total assets | 80.5274% | 4,927 |
| Equity capital to assets | 12.4624% | 1,716 |
| Core capital (leverage) ratio | 12.0024% | 1,637 |
| Tier 1 risk-based capital ratio | 17.9727% | 2,141 |
| Total risk-based capital ratio | 19.0699% | 2,151 |
| Memoranda: | ||
| Average total assets | $1,778,480,000 | 414 |
| Average earning assets | $1,640,928,500 | 411 |
| Average equity | $221,162,000 | 387 |
| Average total loans | $1,340,327,500 | 379 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 4,563 |
| Cost of funding earning assets | 0.5224% | 2,470 |
| Net interest margin | 3.2533% | 4,738 |
| Noninterest income to average assets | 0.8455% | 1,695 |
| Noninterest expense to average assets | 3.3810% | 1,739 |
| Loan and lease loss provision to assets | 0.0793% | 2,899 |
| Net operating income to assets | 0.2327% | 5,699 |
| Return on assets (ROA) | 0.2327% | 5,762 |
| Pretax return on assets | 0.3775% | 5,543 |
| Return on Equity (ROE) | 1.8889% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.8889% | 4,861 |
| Net charge-offs to loans | 0.1278% | 2,747 |
| Credit loss provision to net charge-offs | 82.7081% | 2,813 |
| Earnings coverage of net charge-offs (x) | 4.7626% | 3,570 |
| Efficiency ratio | 86.8405% | 1,095 |
| Assets per employee ($millions) | 3.9407% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 5,257 |
| Loan loss allowance to noncurrent loans | 54.4945% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 2.1603% | 1,134 |
| Noncurrent loans to loans | 1.7579% | 1,641 |
| Net loans and leases to total assets | 74.6265% | 1,474 |
| Net loans and leases to deposits | 92.5606% | 1,234 |
| Net loans and leases to core deposits | 93.4062% | 1,959 |
| Total domestic deposits to total assets | 80.6245% | 4,850 |
| Equity capital to assets | 12.4085% | 1,702 |
| Core capital (leverage) ratio | 11.3336% | 2,101 |
| Tier 1 risk-based capital ratio | 17.4214% | 2,343 |
| Total risk-based capital ratio | 18.5488% | 2,344 |
| Memoranda: | ||
| Average total assets | $1,778,445,400 | 406 |
| Average earning assets | $1,635,812,000 | 399 |
| Average equity | $219,065,400 | 375 |
| Average total loans | $1,335,062,000 | 360 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 4,594 |
| Cost of funding earning assets | 0.5203% | 2,566 |
| Net interest margin | 3.2647% | 4,743 |
| Noninterest income to average assets | 0.8160% | 1,831 |
| Noninterest expense to average assets | 3.3957% | 1,681 |
| Loan and lease loss provision to assets | 0.0758% | 2,823 |
| Net operating income to assets | 0.2172% | 5,815 |
| Return on assets (ROA) | 0.2172% | 5,860 |
| Pretax return on assets | 0.3483% | 5,681 |
| Return on Equity (ROE) | 1.7662% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.7662% | 5,172 |
| Net charge-offs to loans | 0.1680% | 2,122 |
| Credit loss provision to net charge-offs | 60.1428% | 2,930 |
| Earnings coverage of net charge-offs (x) | 3.3658% | 3,677 |
| Efficiency ratio | 87.6354% | 1,036 |
| Assets per employee ($millions) | 3.8829% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 5,501 |
| Loan loss allowance to noncurrent loans | 51.6443% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 2.3739% | 1,147 |
| Noncurrent loans to loans | 1.7987% | 1,802 |
| Net loans and leases to total assets | 75.0119% | 1,363 |
| Net loans and leases to deposits | 93.0446% | 1,127 |
| Net loans and leases to core deposits | 93.9009% | 1,878 |
| Total domestic deposits to total assets | 80.6194% | 4,938 |
| Equity capital to assets | 12.3856% | 1,783 |
| Core capital (leverage) ratio | 11.2950% | 2,219 |
| Tier 1 risk-based capital ratio | 17.2670% | 2,489 |
| Total risk-based capital ratio | 18.3599% | 2,526 |
| Memoranda: | ||
| Average total assets | $1,778,744,750 | 404 |
| Average earning assets | $1,636,609,000 | 395 |
| Average equity | $218,699,500 | 372 |
| Average total loans | $1,334,046,000 | 359 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 4,563 |
| Cost of funding earning assets | 0.5140% | 2,686 |
| Net interest margin | 3.2755% | 4,680 |
| Noninterest income to average assets | 0.7843% | 1,903 |
| Noninterest expense to average assets | 3.4043% | 1,670 |
| Loan and lease loss provision to assets | 0.0835% | 2,636 |
| Net operating income to assets | 0.1847% | 5,880 |
| Return on assets (ROA) | 0.1847% | 5,928 |
| Pretax return on assets | 0.3078% | 5,766 |
| Return on Equity (ROE) | 1.5057% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.5057% | 5,139 |
| Net charge-offs to loans | 0.1560% | 2,144 |
| Credit loss provision to net charge-offs | 71.6073% | 2,444 |
| Earnings coverage of net charge-offs (x) | 3.3551% | 3,330 |
| Efficiency ratio | 88.4202% | 1,048 |
| Assets per employee ($millions) | 3.8320% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 5,579 |
| Loan loss allowance to noncurrent loans | 44.7608% | 5,366 |
| Noncurrent assets plus other real estate owned to assets | 2.6070% | 1,044 |
| Noncurrent loans to loans | 2.1141% | 1,568 |
| Net loans and leases to total assets | 75.5219% | 1,229 |
| Net loans and leases to deposits | 93.4264% | 1,013 |
| Net loans and leases to core deposits | 94.1377% | 1,762 |
| Total domestic deposits to total assets | 80.8358% | 5,034 |
| Equity capital to assets | 12.3396% | 1,748 |
| Core capital (leverage) ratio | 11.1643% | 2,280 |
| Tier 1 risk-based capital ratio | 17.0519% | 2,596 |
| Total risk-based capital ratio | 18.1720% | 2,616 |
| Memoranda: | ||
| Average total assets | $1,781,465,670 | 401 |
| Average earning assets | $1,637,776,330 | 392 |
| Average equity | $218,500,330 | 369 |
| Average total loans | $1,331,861,000 | 354 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7451% | 4,688 |
| Cost of funding earning assets | 0.5010% | 2,896 |
| Net interest margin | 3.2441% | 4,764 |
| Noninterest income to average assets | 0.7248% | 2,057 |
| Noninterest expense to average assets | 3.4608% | 1,569 |
| Loan and lease loss provision to assets | 0.0247% | 3,513 |
| Net operating income to assets | 0.1292% | 5,970 |
| Return on assets (ROA) | 0.1292% | 6,004 |
| Pretax return on assets | 0.2153% | 5,896 |
| Return on Equity (ROE) | 1.0566% | 6,027 |
| Retained earnings to average equity (ytd only) | 1.0566% | 5,175 |
| Net charge-offs to loans | 0.1400% | 1,882 |
| Credit loss provision to net charge-offs | 23.8095% | 2,465 |
| Earnings coverage of net charge-offs (x) | 2.3160% | 2,908 |
| Efficiency ratio | 92.2172% | 869 |
| Assets per employee ($millions) | 3.8139% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9640% | 5,654 |
| Loan loss allowance to noncurrent loans | 37.9988% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 2.8720% | 1,016 |
| Noncurrent loans to loans | 2.5369% | 1,360 |
| Net loans and leases to total assets | 73.3527% | 1,376 |
| Net loans and leases to deposits | 90.4876% | 1,094 |
| Net loans and leases to core deposits | 91.1705% | 1,809 |
| Total domestic deposits to total assets | 81.0638% | 5,215 |
| Equity capital to assets | 12.2062% | 1,743 |
| Core capital (leverage) ratio | 11.0251% | 2,363 |
| Tier 1 risk-based capital ratio | 17.2890% | 2,558 |
| Total risk-based capital ratio | 18.4270% | 2,564 |
| Memoranda: | ||
| Average total assets | $1,783,178,500 | 401 |
| Average earning assets | $1,635,853,000 | 393 |
| Average equity | $218,049,000 | 366 |
| Average total loans | $1,319,972,500 | 356 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0941% | 3,762 |
| Cost of funding earning assets | 0.5213% | 3,384 |
| Net interest margin | 3.5729% | 3,591 |
| Noninterest income to average assets | 0.9505% | 1,525 |
| Noninterest expense to average assets | 3.6126% | 1,423 |
| Loan and lease loss provision to assets | 0.1581% | 2,306 |
| Net operating income to assets | 0.2523% | 5,684 |
| Return on assets (ROA) | 0.2716% | 5,698 |
| Pretax return on assets | 0.4528% | 5,351 |
| Return on Equity (ROE) | 2.2699% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.2699% | 4,631 |
| Net charge-offs to loans | 0.3681% | 1,840 |
| Credit loss provision to net charge-offs | 57.4831% | 3,640 |
| Earnings coverage of net charge-offs (x) | 2.1115% | 4,329 |
| Efficiency ratio | 85.1130% | 1,506 |
| Assets per employee ($millions) | 3.7583% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 5,580 |
| Loan loss allowance to noncurrent loans | 37.7847% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 2.9957% | 1,058 |
| Noncurrent loans to loans | 2.6409% | 1,405 |
| Net loans and leases to total assets | 73.2420% | 1,485 |
| Net loans and leases to deposits | 90.8381% | 1,174 |
| Net loans and leases to core deposits | 91.3940% | 1,861 |
| Total domestic deposits to total assets | 80.6291% | 5,287 |
| Equity capital to assets | 12.2501% | 1,651 |
| Core capital (leverage) ratio | 11.0508% | 2,340 |
| Tier 1 risk-based capital ratio | 17.1907% | 2,529 |
| Total risk-based capital ratio | 18.3583% | 2,537 |
| Memoranda: | ||
| Average total assets | $1,771,061,600 | 391 |
| Average earning assets | $1,607,455,200 | 390 |
| Average equity | $211,908,200 | 369 |
| Average total loans | $1,323,286,600 | 338 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0741% | 3,855 |
| Cost of funding earning assets | 0.5264% | 3,507 |
| Net interest margin | 3.5477% | 3,667 |
| Noninterest income to average assets | 0.9910% | 1,481 |
| Noninterest expense to average assets | 3.6648% | 1,297 |
| Loan and lease loss provision to assets | 0.1432% | 2,494 |
| Net operating income to assets | 0.2381% | 5,815 |
| Return on assets (ROA) | 0.2639% | 5,841 |
| Pretax return on assets | 0.4398% | 5,526 |
| Return on Equity (ROE) | 2.2187% | 5,874 |
| Retained earnings to average equity (ytd only) | 2.2187% | 4,995 |
| Net charge-offs to loans | 0.3362% | 1,870 |
| Credit loss provision to net charge-offs | 56.8522% | 3,358 |
| Earnings coverage of net charge-offs (x) | 2.1547% | 4,120 |
| Efficiency ratio | 86.1057% | 1,354 |
| Assets per employee ($millions) | 3.6969% | 4,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0298% | 5,597 |
| Loan loss allowance to noncurrent loans | 34.2891% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 3.3452% | 1,043 |
| Noncurrent loans to loans | 3.0033% | 1,341 |
| Net loans and leases to total assets | 74.4798% | 1,216 |
| Net loans and leases to deposits | 92.2945% | 962 |
| Net loans and leases to core deposits | 92.8530% | 1,694 |
| Total domestic deposits to total assets | 80.6979% | 5,302 |
| Equity capital to assets | 12.1982% | 1,784 |
| Core capital (leverage) ratio | 10.9849% | 2,501 |
| Tier 1 risk-based capital ratio | 16.7729% | 2,825 |
| Total risk-based capital ratio | 17.9761% | 2,795 |
| Memoranda: | ||
| Average total assets | $1,769,412,750 | 393 |
| Average earning assets | $1,604,189,500 | 393 |
| Average equity | $210,444,000 | 371 |
| Average total loans | $1,325,329,750 | 340 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 4,101 |
| Cost of funding earning assets | 0.5310% | 3,592 |
| Net interest margin | 3.4708% | 3,921 |
| Noninterest income to average assets | 1.1018% | 1,248 |
| Noninterest expense to average assets | 3.4946% | 1,618 |
| Loan and lease loss provision to assets | 0.2150% | 1,761 |
| Net operating income to assets | 0.3150% | 5,545 |
| Return on assets (ROA) | 0.3537% | 5,571 |
| Pretax return on assets | 0.5895% | 5,053 |
| Return on Equity (ROE) | 2.9994% | 5,624 |
| Retained earnings to average equity (ytd only) | 2.9994% | 4,410 |
| Net charge-offs to loans | 0.4251% | 1,516 |
| Credit loss provision to net charge-offs | 67.6157% | 2,880 |
| Earnings coverage of net charge-offs (x) | 2.3402% | 3,737 |
| Efficiency ratio | 81.5792% | 1,952 |
| Assets per employee ($millions) | 3.5753% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,608 |
| Loan loss allowance to noncurrent loans | 39.6096% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 3.0070% | 1,343 |
| Noncurrent loans to loans | 2.6630% | 1,718 |
| Net loans and leases to total assets | 74.2122% | 1,221 |
| Net loans and leases to deposits | 91.9152% | 973 |
| Net loans and leases to core deposits | 92.6155% | 1,643 |
| Total domestic deposits to total assets | 80.7399% | 5,412 |
| Equity capital to assets | 11.6166% | 2,200 |
| Core capital (leverage) ratio | 10.7542% | 2,617 |
| Tier 1 risk-based capital ratio | 16.5950% | 2,892 |
| Total risk-based capital ratio | 17.8363% | 2,857 |
| Memoranda: | ||
| Average total assets | $1,767,720,330 | 392 |
| Average earning assets | $1,597,626,330 | 393 |
| Average equity | $208,440,000 | 370 |
| Average total loans | $1,321,977,000 | 340 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 3,764 |
| Cost of funding earning assets | 0.5443% | 3,633 |
| Net interest margin | 3.5458% | 3,499 |
| Noninterest income to average assets | 0.8001% | 2,120 |
| Noninterest expense to average assets | 3.3851% | 1,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3703% | 5,262 |
| Return on assets (ROA) | 0.3703% | 5,390 |
| Pretax return on assets | 0.6171% | 4,885 |
| Return on Equity (ROE) | 3.1166% | 5,536 |
| Retained earnings to average equity (ytd only) | 3.1166% | 4,402 |
| Net charge-offs to loans | 0.2696% | 1,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.0659% | 2,850 |
| Efficiency ratio | 83.6496% | 1,814 |
| Assets per employee ($millions) | 3.7643% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 5,572 |
| Loan loss allowance to noncurrent loans | 53.8870% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 2.6130% | 1,746 |
| Noncurrent loans to loans | 2.0552% | 2,557 |
| Net loans and leases to total assets | 73.4946% | 1,144 |
| Net loans and leases to deposits | 91.5150% | 846 |
| Net loans and leases to core deposits | 92.0356% | 1,503 |
| Total domestic deposits to total assets | 80.3089% | 5,689 |
| Equity capital to assets | 11.9939% | 2,050 |
| Core capital (leverage) ratio | 11.1508% | 2,136 |
| Tier 1 risk-based capital ratio | 17.2631% | 2,657 |
| Total risk-based capital ratio | 18.5136% | 2,624 |
| Memoranda: | ||
| Average total assets | $1,748,827,500 | 400 |
| Average earning assets | $1,579,335,000 | 401 |
| Average equity | $207,790,500 | 376 |
| Average total loans | $1,305,870,500 | 344 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3823% | 3,883 |
| Cost of funding earning assets | 0.6376% | 4,027 |
| Net interest margin | 3.7447% | 3,466 |
| Noninterest income to average assets | 0.9162% | 1,809 |
| Noninterest expense to average assets | 3.6136% | 1,577 |
| Loan and lease loss provision to assets | 0.1734% | 3,454 |
| Net operating income to assets | 0.3066% | 5,446 |
| Return on assets (ROA) | 0.3225% | 5,601 |
| Pretax return on assets | 0.5414% | 5,159 |
| Return on Equity (ROE) | 2.7544% | 5,651 |
| Retained earnings to average equity (ytd only) | 2.7544% | 4,300 |
| Net charge-offs to loans | 0.5216% | 2,163 |
| Credit loss provision to net charge-offs | 43.4348% | 4,852 |
| Earnings coverage of net charge-offs (x) | 1.7282% | 4,570 |
| Efficiency ratio | 83.1080% | 1,733 |
| Assets per employee ($millions) | 3.7738% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 5,338 |
| Loan loss allowance to noncurrent loans | 47.7558% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 2.9344% | 1,618 |
| Noncurrent loans to loans | 2.4116% | 2,212 |
| Net loans and leases to total assets | 74.1568% | 1,173 |
| Net loans and leases to deposits | 93.6560% | 771 |
| Net loans and leases to core deposits | 94.1890% | 1,453 |
| Total domestic deposits to total assets | 79.1799% | 5,851 |
| Equity capital to assets | 11.7707% | 2,206 |
| Core capital (leverage) ratio | 10.8897% | 2,350 |
| Tier 1 risk-based capital ratio | 16.9284% | 2,688 |
| Total risk-based capital ratio | 18.1799% | 2,649 |
| Memoranda: | ||
| Average total assets | $1,753,371,000 | 391 |
| Average earning assets | $1,586,013,000 | 389 |
| Average equity | $205,307,000 | 367 |
| Average total loans | $1,341,883,000 | 329 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4202% | 3,963 |
| Cost of funding earning assets | 0.6576% | 4,127 |
| Net interest margin | 3.7626% | 3,497 |
| Noninterest income to average assets | 0.8658% | 1,959 |
| Noninterest expense to average assets | 3.6567% | 1,442 |
| Loan and lease loss provision to assets | 0.1857% | 3,267 |
| Net operating income to assets | 0.2542% | 5,771 |
| Return on assets (ROA) | 0.2721% | 5,904 |
| Pretax return on assets | 0.4585% | 5,568 |
| Return on Equity (ROE) | 2.3265% | 5,936 |
| Retained earnings to average equity (ytd only) | 2.3265% | 5,175 |
| Net charge-offs to loans | 0.5997% | 1,835 |
| Credit loss provision to net charge-offs | 40.2574% | 4,613 |
| Earnings coverage of net charge-offs (x) | 1.3362% | 4,630 |
| Efficiency ratio | 84.7073% | 1,508 |
| Assets per employee ($millions) | 3.7248% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 5,430 |
| Loan loss allowance to noncurrent loans | 43.5974% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 3.2296% | 1,593 |
| Noncurrent loans to loans | 2.6835% | 2,113 |
| Net loans and leases to total assets | 75.1076% | 1,101 |
| Net loans and leases to deposits | 94.5858% | 747 |
| Net loans and leases to core deposits | 95.1547% | 1,474 |
| Total domestic deposits to total assets | 79.4068% | 5,779 |
| Equity capital to assets | 11.7374% | 2,495 |
| Core capital (leverage) ratio | 10.8079% | 2,588 |
| Tier 1 risk-based capital ratio | 16.2961% | 3,112 |
| Total risk-based capital ratio | 17.5475% | 3,080 |
| Memoranda: | ||
| Average total assets | $1,752,071,500 | 392 |
| Average earning assets | $1,586,586,500 | 386 |
| Average equity | $204,884,750 | 366 |
| Average total loans | $1,347,530,750 | 330 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 4,009 |
| Cost of funding earning assets | 0.6744% | 4,235 |
| Net interest margin | 3.7694% | 3,499 |
| Noninterest income to average assets | 0.8828% | 1,854 |
| Noninterest expense to average assets | 3.6744% | 1,425 |
| Loan and lease loss provision to assets | 0.2497% | 2,577 |
| Net operating income to assets | 0.2233% | 5,849 |
| Return on assets (ROA) | 0.2464% | 5,965 |
| Pretax return on assets | 0.4108% | 5,685 |
| Return on Equity (ROE) | 2.1100% | 6,011 |
| Retained earnings to average equity (ytd only) | 2.1100% | 5,142 |
| Net charge-offs to loans | 0.6014% | 1,812 |
| Credit loss provision to net charge-offs | 53.7819% | 3,959 |
| Earnings coverage of net charge-offs (x) | 1.3445% | 4,330 |
| Efficiency ratio | 84.6138% | 1,574 |
| Assets per employee ($millions) | 3.7169% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 4,949 |
| Loan loss allowance to noncurrent loans | 41.4113% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 3.7394% | 1,392 |
| Noncurrent loans to loans | 3.1038% | 1,892 |
| Net loans and leases to total assets | 76.0898% | 957 |
| Net loans and leases to deposits | 95.3331% | 667 |
| Net loans and leases to core deposits | 96.0203% | 1,425 |
| Total domestic deposits to total assets | 79.8147% | 5,789 |
| Equity capital to assets | 11.8160% | 2,299 |
| Core capital (leverage) ratio | 10.7975% | 2,483 |
| Tier 1 risk-based capital ratio | 16.4848% | 2,927 |
| Total risk-based capital ratio | 17.7389% | 2,887 |
| Memoranda: | ||
| Average total assets | $1,753,792,000 | 394 |
| Average earning assets | $1,589,382,000 | 388 |
| Average equity | $204,832,330 | 362 |
| Average total loans | $1,354,176,330 | 330 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 4,248 |
| Cost of funding earning assets | 0.6894% | 4,371 |
| Net interest margin | 3.7290% | 3,700 |
| Noninterest income to average assets | 0.7956% | 2,189 |
| Noninterest expense to average assets | 3.6899% | 1,392 |
| Loan and lease loss provision to assets | 0.1751% | 3,212 |
| Net operating income to assets | 0.1849% | 6,030 |
| Return on assets (ROA) | 0.1849% | 6,173 |
| Pretax return on assets | 0.3081% | 5,963 |
| Return on Equity (ROE) | 1.5921% | 6,194 |
| Retained earnings to average equity (ytd only) | 1.5921% | 5,441 |
| Net charge-offs to loans | 0.7739% | 1,328 |
| Credit loss provision to net charge-offs | 29.2776% | 3,637 |
| Earnings coverage of net charge-offs (x) | 0.8080% | 3,934 |
| Efficiency ratio | 87.5327% | 1,332 |
| Assets per employee ($millions) | 3.7288% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 5,068 |
| Loan loss allowance to noncurrent loans | 34.1745% | 5,959 |
| Noncurrent assets plus other real estate owned to assets | 4.3894% | 1,228 |
| Noncurrent loans to loans | 3.7703% | 1,645 |
| Net loans and leases to total assets | 75.7572% | 826 |
| Net loans and leases to deposits | 95.0414% | 599 |
| Net loans and leases to core deposits | 95.8298% | 1,309 |
| Total domestic deposits to total assets | 79.7098% | 5,922 |
| Equity capital to assets | 11.6988% | 2,262 |
| Core capital (leverage) ratio | 10.6850% | 2,564 |
| Tier 1 risk-based capital ratio | 15.7268% | 3,327 |
| Total risk-based capital ratio | 16.9797% | 3,294 |
| Memoranda: | ||
| Average total assets | $1,759,067,500 | 391 |
| Average earning assets | $1,593,252,000 | 385 |
| Average equity | $204,257,500 | 358 |
| Average total loans | $1,359,414,500 | 327 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6091% | 4,645 |
| Cost of funding earning assets | 0.8193% | 4,712 |
| Net interest margin | 3.7898% | 3,880 |
| Noninterest income to average assets | 0.8055% | 2,029 |
| Noninterest expense to average assets | 3.6740% | 1,585 |
| Loan and lease loss provision to assets | 1.5468% | 469 |
| Net operating income to assets | -0.5786% | 6,540 |
| Return on assets (ROA) | -0.5786% | 6,587 |
| Pretax return on assets | -0.9642% | 6,714 |
| Return on Equity (ROE) | -5.0186% | 6,529 |
| Retained earnings to average equity (ytd only) | -5.0186% | 6,448 |
| Net charge-offs to loans | 2.1162% | 628 |
| Credit loss provision to net charge-offs | 94.4748% | 3,815 |
| Earnings coverage of net charge-offs (x) | 0.3558% | 5,553 |
| Efficiency ratio | 85.4732% | 1,621 |
| Assets per employee ($millions) | 3.7486% | 4,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3913% | 4,501 |
| Loan loss allowance to noncurrent loans | 30.2137% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 4.5397% | 1,204 |
| Noncurrent loans to loans | 4.6048% | 1,293 |
| Net loans and leases to total assets | 76.7260% | 859 |
| Net loans and leases to deposits | 99.9921% | 457 |
| Net loans and leases to core deposits | 101.2370% | 1,074 |
| Total domestic deposits to total assets | 76.7320% | 6,376 |
| Equity capital to assets | 11.5256% | 2,482 |
| Core capital (leverage) ratio | 10.3818% | 2,865 |
| Tier 1 risk-based capital ratio | 14.4989% | 3,976 |
| Total risk-based capital ratio | 15.7525% | 3,950 |
| Memoranda: | ||
| Average total assets | $1,819,559,800 | 368 |
| Average earning assets | $1,656,900,200 | 364 |
| Average equity | $209,777,600 | 338 |
| Average total loans | $1,407,729,400 | 315 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6412% | 4,703 |
| Cost of funding earning assets | 0.8440% | 4,815 |
| Net interest margin | 3.7972% | 3,892 |
| Noninterest income to average assets | 0.7730% | 2,181 |
| Noninterest expense to average assets | 3.6679% | 1,573 |
| Loan and lease loss provision to assets | 2.0140% | 266 |
| Net operating income to assets | -0.8691% | 6,833 |
| Return on assets (ROA) | -0.8691% | 6,868 |
| Pretax return on assets | -1.4483% | 7,005 |
| Return on Equity (ROE) | -7.5375% | 6,794 |
| Retained earnings to average equity (ytd only) | -7.5375% | 6,740 |
| Net charge-offs to loans | 2.3151% | 506 |
| Credit loss provision to net charge-offs | 112.6007% | 2,901 |
| Earnings coverage of net charge-offs (x) | 0.3163% | 5,369 |
| Efficiency ratio | 85.7995% | 1,552 |
| Assets per employee ($millions) | 3.8332% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7147% | 3,221 |
| Loan loss allowance to noncurrent loans | 31.4719% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 5.5317% | 1,002 |
| Noncurrent loans to loans | 5.4484% | 1,092 |
| Net loans and leases to total assets | 76.5142% | 909 |
| Net loans and leases to deposits | 98.1147% | 571 |
| Net loans and leases to core deposits | 99.3698% | 1,305 |
| Total domestic deposits to total assets | 77.9844% | 6,199 |
| Equity capital to assets | 11.2959% | 2,869 |
| Core capital (leverage) ratio | 10.1096% | 3,295 |
| Tier 1 risk-based capital ratio | 13.8262% | 4,481 |
| Total risk-based capital ratio | 15.0837% | 4,438 |
| Memoranda: | ||
| Average total assets | $1,832,112,500 | 370 |
| Average earning assets | $1,669,700,250 | 363 |
| Average equity | $211,240,000 | 337 |
| Average total loans | $1,415,485,750 | 316 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 4,706 |
| Cost of funding earning assets | 0.8740% | 4,872 |
| Net interest margin | 3.7854% | 3,858 |
| Noninterest income to average assets | 0.7929% | 2,055 |
| Noninterest expense to average assets | 3.6305% | 1,671 |
| Loan and lease loss provision to assets | 0.4523% | 2,156 |
| Net operating income to assets | 0.0993% | 6,021 |
| Return on assets (ROA) | 0.0993% | 6,099 |
| Pretax return on assets | 0.1655% | 5,993 |
| Return on Equity (ROE) | 0.8560% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.8560% | 5,528 |
| Net charge-offs to loans | 1.5416% | 957 |
| Credit loss provision to net charge-offs | 38.0688% | 4,852 |
| Earnings coverage of net charge-offs (x) | 0.5200% | 4,919 |
| Efficiency ratio | 84.6283% | 1,748 |
| Assets per employee ($millions) | 3.8632% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,400 |
| Loan loss allowance to noncurrent loans | 16.5173% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 6.0131% | 934 |
| Noncurrent loans to loans | 5.9552% | 1,010 |
| Net loans and leases to total assets | 76.3562% | 1,029 |
| Net loans and leases to deposits | 101.8258% | 407 |
| Net loans and leases to core deposits | 103.3049% | 1,091 |
| Total domestic deposits to total assets | 74.9871% | 6,726 |
| Equity capital to assets | 11.6306% | 2,384 |
| Core capital (leverage) ratio | 10.6709% | 2,547 |
| Tier 1 risk-based capital ratio | 14.6272% | 3,708 |
| Total risk-based capital ratio | 15.6860% | 3,808 |
| Memoranda: | ||
| Average total assets | $1,846,117,330 | 374 |
| Average earning assets | $1,685,218,330 | 363 |
| Average equity | $214,251,000 | 335 |
| Average total loans | $1,422,789,330 | 322 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7338% | 4,356 |
| Cost of funding earning assets | 0.9209% | 4,768 |
| Net interest margin | 3.8130% | 3,550 |
| Noninterest income to average assets | 0.5946% | 3,210 |
| Noninterest expense to average assets | 3.6735% | 1,590 |
| Loan and lease loss provision to assets | 0.2980% | 2,776 |
| Net operating income to assets | 0.0600% | 6,210 |
| Return on assets (ROA) | 0.0600% | 6,255 |
| Pretax return on assets | 0.1001% | 6,165 |
| Return on Equity (ROE) | 0.5178% | 6,259 |
| Retained earnings to average equity (ytd only) | 0.5178% | 5,617 |
| Net charge-offs to loans | 1.4178% | 965 |
| Credit loss provision to net charge-offs | 27.2763% | 4,161 |
| Earnings coverage of net charge-offs (x) | 0.3644% | 4,341 |
| Efficiency ratio | 89.3608% | 1,388 |
| Assets per employee ($millions) | 3.7450% | 4,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 5,590 |
| Loan loss allowance to noncurrent loans | 41.6436% | 5,527 |
| Noncurrent assets plus other real estate owned to assets | 3.7706% | 1,794 |
| Noncurrent loans to loans | 2.9037% | 2,588 |
| Net loans and leases to total assets | 76.5924% | 948 |
| Net loans and leases to deposits | 100.6128% | 438 |
| Net loans and leases to core deposits | 102.3850% | 1,173 |
| Total domestic deposits to total assets | 76.1259% | 6,651 |
| Equity capital to assets | 11.7164% | 2,112 |
| Core capital (leverage) ratio | 10.7401% | 2,406 |
| Tier 1 risk-based capital ratio | 14.5143% | 3,728 |
| Total risk-based capital ratio | 15.7648% | 3,692 |
| Memoranda: | ||
| Average total assets | $1,845,872,000 | 376 |
| Average earning assets | $1,683,210,500 | 366 |
| Average equity | $213,990,500 | 335 |
| Average total loans | $1,422,181,000 | 322 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9113% | 4,968 |
| Cost of funding earning assets | 1.1037% | 5,117 |
| Net interest margin | 3.8076% | 3,909 |
| Noninterest income to average assets | 1.6315% | 550 |
| Noninterest expense to average assets | 3.7184% | 1,661 |
| Loan and lease loss provision to assets | 1.6770% | 848 |
| Net operating income to assets | -0.1734% | 6,078 |
| Return on assets (ROA) | -0.1492% | 6,106 |
| Pretax return on assets | -0.2422% | 6,116 |
| Return on Equity (ROE) | -1.2509% | 6,091 |
| Retained earnings to average equity (ytd only) | -1.2509% | 5,848 |
| Net charge-offs to loans | 1.8033% | 1,167 |
| Credit loss provision to net charge-offs | 122.9550% | 3,388 |
| Earnings coverage of net charge-offs (x) | 1.0243% | 5,090 |
| Efficiency ratio | 72.3926% | 3,721 |
| Assets per employee ($millions) | 3.6481% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 4,243 |
| Loan loss allowance to noncurrent loans | 44.9017% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 3.7408% | 1,837 |
| Noncurrent loans to loans | 3.2448% | 2,342 |
| Net loans and leases to total assets | 75.4571% | 1,391 |
| Net loans and leases to deposits | 98.7795% | 656 |
| Net loans and leases to core deposits | 100.1602% | 1,601 |
| Total domestic deposits to total assets | 76.3894% | 6,585 |
| Equity capital to assets | 11.4718% | 2,285 |
| Core capital (leverage) ratio | 10.5027% | 2,554 |
| Tier 1 risk-based capital ratio | 14.5223% | 3,529 |
| Total risk-based capital ratio | 15.7762% | 3,487 |
| Memoranda: | ||
| Average total assets | $1,818,671,400 | 379 |
| Average earning assets | $1,664,073,200 | 372 |
| Average equity | $216,957,000 | 327 |
| Average total loans | $1,375,553,200 | 341 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8941% | 5,293 |
| Cost of funding earning assets | 1.1263% | 5,276 |
| Net interest margin | 3.7677% | 4,103 |
| Noninterest income to average assets | 1.8851% | 412 |
| Noninterest expense to average assets | 3.6537% | 1,664 |
| Loan and lease loss provision to assets | 1.7152% | 737 |
| Net operating income to assets | -0.0253% | 6,052 |
| Return on assets (ROA) | 0.0072% | 6,113 |
| Pretax return on assets | 0.0207% | 6,061 |
| Return on Equity (ROE) | 0.0594% | 6,113 |
| Retained earnings to average equity (ytd only) | 0.0594% | 5,757 |
| Net charge-offs to loans | 2.2820% | 782 |
| Credit loss provision to net charge-offs | 99.6913% | 4,379 |
| Earnings coverage of net charge-offs (x) | 0.9795% | 5,077 |
| Efficiency ratio | 68.2788% | 4,413 |
| Assets per employee ($millions) | 3.6040% | 4,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 6,199 |
| Loan loss allowance to noncurrent loans | 35.4137% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 3.4182% | 2,077 |
| Noncurrent loans to loans | 2.9458% | 2,708 |
| Net loans and leases to total assets | 74.6461% | 1,651 |
| Net loans and leases to deposits | 95.2817% | 1,070 |
| Net loans and leases to core deposits | 96.7100% | 2,177 |
| Total domestic deposits to total assets | 78.3426% | 6,184 |
| Equity capital to assets | 11.3434% | 2,669 |
| Core capital (leverage) ratio | 10.3881% | 2,814 |
| Tier 1 risk-based capital ratio | 14.3749% | 3,580 |
| Total risk-based capital ratio | 15.4834% | 3,641 |
| Memoranda: | ||
| Average total assets | $1,807,291,250 | 381 |
| Average earning assets | $1,656,652,750 | 370 |
| Average equity | $217,732,000 | 318 |
| Average total loans | $1,362,575,750 | 345 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 4,836 |
| Cost of funding earning assets | 1.1684% | 5,296 |
| Net interest margin | 3.8536% | 3,663 |
| Noninterest income to average assets | 0.5306% | 3,873 |
| Noninterest expense to average assets | 3.3143% | 2,518 |
| Loan and lease loss provision to assets | 0.4739% | 2,944 |
| Net operating income to assets | 0.1642% | 5,681 |
| Return on assets (ROA) | 0.2134% | 5,649 |
| Pretax return on assets | 0.3559% | 5,356 |
| Return on Equity (ROE) | 1.7351% | 5,715 |
| Retained earnings to average equity (ytd only) | 1.7351% | 5,003 |
| Net charge-offs to loans | 0.7457% | 2,375 |
| Credit loss provision to net charge-offs | 84.3066% | 4,585 |
| Earnings coverage of net charge-offs (x) | 1.3394% | 4,488 |
| Efficiency ratio | 81.2791% | 2,261 |
| Assets per employee ($millions) | 3.7070% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 6,043 |
| Loan loss allowance to noncurrent loans | 38.7536% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 3.6744% | 1,904 |
| Noncurrent loans to loans | 2.7845% | 2,872 |
| Net loans and leases to total assets | 75.5115% | 1,593 |
| Net loans and leases to deposits | 99.2404% | 784 |
| Net loans and leases to core deposits | 100.7816% | 1,938 |
| Total domestic deposits to total assets | 76.0895% | 6,673 |
| Equity capital to assets | 12.5993% | 1,739 |
| Core capital (leverage) ratio | 11.7149% | 1,796 |
| Tier 1 risk-based capital ratio | 15.7694% | 2,766 |
| Total risk-based capital ratio | 16.8975% | 2,789 |
| Memoranda: | ||
| Average total assets | $1,773,023,000 | 387 |
| Average earning assets | $1,627,143,670 | 376 |
| Average equity | $218,086,000 | 318 |
| Average total loans | $1,336,486,330 | 350 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 4,872 |
| Cost of funding earning assets | 1.1878% | 5,472 |
| Net interest margin | 3.8442% | 3,604 |
| Noninterest income to average assets | 0.5351% | 3,776 |
| Noninterest expense to average assets | 3.3102% | 2,501 |
| Loan and lease loss provision to assets | 0.5756% | 2,190 |
| Net operating income to assets | 0.1033% | 6,016 |
| Return on assets (ROA) | 0.2009% | 5,806 |
| Pretax return on assets | 0.3349% | 5,507 |
| Return on Equity (ROE) | 1.6525% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.6525% | 5,109 |
| Net charge-offs to loans | 1.2222% | 1,393 |
| Credit loss provision to net charge-offs | 62.8599% | 4,244 |
| Earnings coverage of net charge-offs (x) | 0.8280% | 4,305 |
| Efficiency ratio | 81.1566% | 2,392 |
| Assets per employee ($millions) | 3.7433% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 6,367 |
| Loan loss allowance to noncurrent loans | 43.3095% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 3.2405% | 2,213 |
| Noncurrent loans to loans | 2.3523% | 3,326 |
| Net loans and leases to total assets | 74.6826% | 1,809 |
| Net loans and leases to deposits | 100.9017% | 702 |
| Net loans and leases to core deposits | 102.5679% | 1,850 |
| Total domestic deposits to total assets | 74.0152% | 7,048 |
| Equity capital to assets | 12.3417% | 1,849 |
| Core capital (leverage) ratio | 11.4658% | 1,932 |
| Tier 1 risk-based capital ratio | 15.4817% | 2,878 |
| Total risk-based capital ratio | 16.5375% | 2,924 |
| Memoranda: | ||
| Average total assets | $1,790,245,500 | 396 |
| Average earning assets | $1,645,402,500 | 393 |
| Average equity | $217,605,000 | 323 |
| Average total loans | $1,341,155,500 | 364 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3715% | 4,833 |
| Cost of funding earning assets | 1.6530% | 4,779 |
| Net interest margin | 3.7185% | 4,051 |
| Noninterest income to average assets | 0.6203% | 3,485 |
| Noninterest expense to average assets | 3.1612% | 3,506 |
| Loan and lease loss provision to assets | 0.4264% | 4,270 |
| Net operating income to assets | 0.2801% | 4,609 |
| Return on assets (ROA) | 0.3011% | 4,608 |
| Pretax return on assets | 0.5019% | 4,181 |
| Return on Equity (ROE) | 2.5637% | 4,682 |
| Retained earnings to average equity (ytd only) | 2.5637% | 3,355 |
| Net charge-offs to loans | 0.5397% | 3,632 |
| Credit loss provision to net charge-offs | 106.0314% | 5,226 |
| Earnings coverage of net charge-offs (x) | 2.2266% | 4,052 |
| Efficiency ratio | 77.7254% | 3,238 |
| Assets per employee ($millions) | 3.8102% | 4,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,815 |
| Loan loss allowance to noncurrent loans | 42.9127% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 3.1939% | 2,155 |
| Noncurrent loans to loans | 2.6087% | 2,949 |
| Net loans and leases to total assets | 73.5591% | 2,368 |
| Net loans and leases to deposits | 101.6943% | 776 |
| Net loans and leases to core deposits | 111.0989% | 2,788 |
| Total domestic deposits to total assets | 72.3335% | 7,215 |
| Equity capital to assets | 11.9732% | 2,048 |
| Core capital (leverage) ratio | 11.1130% | 2,165 |
| Tier 1 risk-based capital ratio | 15.1155% | 2,880 |
| Total risk-based capital ratio | 16.2673% | 2,883 |
| Memoranda: | ||
| Average total assets | $1,855,369,000 | 383 |
| Average earning assets | $1,714,589,600 | 377 |
| Average equity | $217,927,200 | 332 |
| Average total loans | $1,382,442,800 | 358 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4073% | 4,911 |
| Cost of funding earning assets | 1.7147% | 4,823 |
| Net interest margin | 3.6926% | 4,106 |
| Noninterest income to average assets | 0.5958% | 3,744 |
| Noninterest expense to average assets | 3.1102% | 3,611 |
| Loan and lease loss provision to assets | 0.4348% | 3,730 |
| Net operating income to assets | 0.2797% | 4,864 |
| Return on assets (ROA) | 0.3076% | 4,875 |
| Pretax return on assets | 0.5127% | 4,479 |
| Return on Equity (ROE) | 2.6315% | 4,941 |
| Retained earnings to average equity (ytd only) | 2.6315% | 3,853 |
| Net charge-offs to loans | 0.6018% | 2,871 |
| Credit loss provision to net charge-offs | 96.9412% | 5,269 |
| Earnings coverage of net charge-offs (x) | 2.0151% | 4,307 |
| Efficiency ratio | 77.2787% | 3,277 |
| Assets per employee ($millions) | 3.8050% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 5,918 |
| Loan loss allowance to noncurrent loans | 35.5067% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 3.3525% | 2,007 |
| Noncurrent loans to loans | 3.0073% | 2,512 |
| Net loans and leases to total assets | 73.5270% | 2,658 |
| Net loans and leases to deposits | 99.5522% | 1,150 |
| Net loans and leases to core deposits | 110.2399% | 3,209 |
| Total domestic deposits to total assets | 73.8578% | 6,975 |
| Equity capital to assets | 11.8441% | 2,325 |
| Core capital (leverage) ratio | 10.8527% | 2,525 |
| Tier 1 risk-based capital ratio | 14.7329% | 3,166 |
| Total risk-based capital ratio | 15.8283% | 3,181 |
| Memoranda: | ||
| Average total assets | $1,865,793,000 | 390 |
| Average earning assets | $1,727,184,000 | 385 |
| Average equity | $218,120,250 | 341 |
| Average total loans | $1,390,747,250 | 370 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4569% | 4,858 |
| Cost of funding earning assets | 1.7415% | 5,057 |
| Net interest margin | 3.7154% | 3,888 |
| Noninterest income to average assets | 0.5936% | 3,747 |
| Noninterest expense to average assets | 3.0512% | 3,874 |
| Loan and lease loss provision to assets | 0.4372% | 3,365 |
| Net operating income to assets | 0.3228% | 4,796 |
| Return on assets (ROA) | 0.3643% | 4,741 |
| Pretax return on assets | 0.6072% | 4,301 |
| Return on Equity (ROE) | 3.1297% | 4,851 |
| Retained earnings to average equity (ytd only) | 3.1297% | 3,575 |
| Net charge-offs to loans | 0.3544% | 3,409 |
| Credit loss provision to net charge-offs | 165.3258% | 2,772 |
| Earnings coverage of net charge-offs (x) | 3.7039% | 3,330 |
| Efficiency ratio | 75.4988% | 3,788 |
| Assets per employee ($millions) | 3.9461% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1749% | 5,113 |
| Loan loss allowance to noncurrent loans | 33.6621% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 3.4406% | 1,812 |
| Noncurrent loans to loans | 3.4901% | 2,012 |
| Net loans and leases to total assets | 72.7431% | 3,017 |
| Net loans and leases to deposits | 103.0981% | 981 |
| Net loans and leases to core deposits | 114.1957% | 2,885 |
| Total domestic deposits to total assets | 70.5571% | 7,413 |
| Equity capital to assets | 11.7221% | 2,375 |
| Core capital (leverage) ratio | 10.4544% | 2,857 |
| Tier 1 risk-based capital ratio | 14.5078% | 3,238 |
| Total risk-based capital ratio | 15.7252% | 3,209 |
| Memoranda: | ||
| Average total assets | $1,880,187,330 | 394 |
| Average earning assets | $1,739,374,670 | 391 |
| Average equity | $218,870,000 | 345 |
| Average total loans | $1,402,804,670 | 379 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 4,811 |
| Cost of funding earning assets | 1.7652% | 5,288 |
| Net interest margin | 3.7541% | 3,638 |
| Noninterest income to average assets | 0.4447% | 4,834 |
| Noninterest expense to average assets | 2.9207% | 4,086 |
| Loan and lease loss provision to assets | 0.5767% | 2,182 |
| Net operating income to assets | 0.2411% | 5,523 |
| Return on assets (ROA) | 0.3242% | 5,372 |
| Pretax return on assets | 0.5403% | 4,947 |
| Return on Equity (ROE) | 2.7947% | 5,457 |
| Retained earnings to average equity (ytd only) | 2.7947% | 4,327 |
| Net charge-offs to loans | 0.3670% | 2,626 |
| Credit loss provision to net charge-offs | 209.1892% | 2,142 |
| Earnings coverage of net charge-offs (x) | 3.5807% | 3,130 |
| Efficiency ratio | 74.5343% | 3,727 |
| Assets per employee ($millions) | 3.9959% | 3,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,214 |
| Loan loss allowance to noncurrent loans | 35.1153% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 3.1123% | 1,812 |
| Noncurrent loans to loans | 3.2357% | 1,991 |
| Net loans and leases to total assets | 73.9660% | 2,765 |
| Net loans and leases to deposits | 107.7388% | 746 |
| Net loans and leases to core deposits | 120.3188% | 2,390 |
| Total domestic deposits to total assets | 68.6531% | 7,550 |
| Equity capital to assets | 11.5735% | 2,543 |
| Core capital (leverage) ratio | 10.3071% | 3,102 |
| Tier 1 risk-based capital ratio | 16.3791% | 2,562 |
| Total risk-based capital ratio | 17.6307% | 2,503 |
| Memoranda: | ||
| Average total assets | $1,879,124,500 | 396 |
| Average earning assets | $1,733,473,000 | 390 |
| Average equity | $217,982,000 | 346 |
| Average total loans | $1,411,442,000 | 382 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8795% | 6,138 |
| Cost of funding earning assets | 2.2774% | 5,256 |
| Net interest margin | 3.6020% | 4,874 |
| Noninterest income to average assets | 0.6518% | 3,462 |
| Noninterest expense to average assets | 3.0657% | 3,839 |
| Loan and lease loss provision to assets | 0.1957% | 4,921 |
| Net operating income to assets | 0.4341% | 5,018 |
| Return on assets (ROA) | 0.4568% | 4,750 |
| Pretax return on assets | 0.7649% | 4,196 |
| Return on Equity (ROE) | 3.7321% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.7321% | 2,813 |
| Net charge-offs to loans | 0.2721% | 3,592 |
| Credit loss provision to net charge-offs | 91.5205% | 5,642 |
| Earnings coverage of net charge-offs (x) | 4.3262% | 4,018 |
| Efficiency ratio | 76.4494% | 3,158 |
| Assets per employee ($millions) | 3.9834% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 5,714 |
| Loan loss allowance to noncurrent loans | 63.1024% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.7898% | 2,743 |
| Noncurrent loans to loans | 1.6482% | 3,301 |
| Net loans and leases to total assets | 74.6264% | 2,963 |
| Net loans and leases to deposits | 111.3830% | 743 |
| Net loans and leases to core deposits | 123.9662% | 2,329 |
| Total domestic deposits to total assets | 66.9998% | 7,573 |
| Equity capital to assets | 11.6272% | 2,546 |
| Core capital (leverage) ratio | 10.3448% | 3,125 |
| Tier 1 risk-based capital ratio | 16.4408% | 2,507 |
| Total risk-based capital ratio | 17.6910% | 2,444 |
| Memoranda: | ||
| Average total assets | $1,759,020,600 | 405 |
| Average earning assets | $1,630,660,400 | 394 |
| Average equity | $215,292,400 | 349 |
| Average total loans | $1,382,404,000 | 380 |