Home > Northbrook Bank and Trust Company > Performance and Condition Ratios
Northbrook Bank and Trust Company, 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 | 5.5081% | 1,147 |
| Cost of funding earning assets | 2.4282% | 429 |
| Net interest margin | 3.0799% | 3,137 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 1.2647% | 4,450 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.3854% | 1,241 |
| Return on assets (ROA) | 1.3876% | 1,208 |
| Pretax return on assets | 1.8869% | 789 |
| Return on Equity (ROE) | 16.3400% | 1,049 |
| Retained earnings to average equity (ytd only) | 15.0386% | 324 |
| Net charge-offs to loans | 0.0688% | 1,161 |
| Credit loss provision to net charge-offs | 413.4659% | 770 |
| Earnings coverage of net charge-offs (x) | 42.1283% | 1,417 |
| Efficiency ratio | 37.2504% | 4,414 |
| Assets per employee ($millions) | 48.7101% | 31 |
| Cash dividends to net income (ytd only)* | 7.9658% | 3,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 3,798 |
| Loan loss allowance to noncurrent loans | 111.3213% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 962 |
| Noncurrent loans to loans | 0.7852% | 988 |
| Net loans and leases to total assets | 68.3400% | 1,992 |
| Net loans and leases to deposits | 80.6523% | 2,056 |
| Net loans and leases to core deposits | 94.4659% | 1,742 |
| Total domestic deposits to total assets | 84.7400% | 2,398 |
| Equity capital to assets | 8.9220% | 2,729 |
| Core capital (leverage) ratio | 9.9153% | 2,861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3171% | 2,487 |
| Memoranda: | ||
| Average total assets | $4,523,397,800 | 293 |
| Average earning assets | $4,137,387,200 | 290 |
| Average equity | $384,132,400 | 327 |
| Average total loans | $3,214,484,000 | 284 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4670% | 1,055 |
| Cost of funding earning assets | 2.3308% | 381 |
| Net interest margin | 3.1362% | 3,069 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 1.1873% | 4,485 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.5259% | 1,070 |
| Return on assets (ROA) | 1.5269% | 1,057 |
| Pretax return on assets | 2.0845% | 677 |
| Return on Equity (ROE) | 18.2200% | 925 |
| Retained earnings to average equity (ytd only) | 18.2234% | 330 |
| Net charge-offs to loans | 0.0894% | 851 |
| Credit loss provision to net charge-offs | 242.7840% | 1,004 |
| Earnings coverage of net charge-offs (x) | 34.4860% | 1,524 |
| Efficiency ratio | 34.1890% | 4,475 |
| Assets per employee ($millions) | 45.9289% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 4,089 |
| Loan loss allowance to noncurrent loans | 703.0000% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1195% | 2,772 |
| Noncurrent loans to loans | 0.1047% | 3,051 |
| Net loans and leases to total assets | 72.9900% | 1,466 |
| Net loans and leases to deposits | 86.2082% | 1,545 |
| Net loans and leases to core deposits | 104.7575% | 1,077 |
| Total domestic deposits to total assets | 84.6700% | 2,608 |
| Equity capital to assets | 8.4028% | 2,790 |
| Core capital (leverage) ratio | 9.7533% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7499% | 2,680 |
| Memoranda: | ||
| Average total assets | $4,473,028,250 | 297 |
| Average earning assets | $4,074,622,000 | 294 |
| Average equity | $374,776,750 | 331 |
| Average total loans | $3,203,702,250 | 292 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3021% | 1,079 |
| Cost of funding earning assets | 2.1657% | 363 |
| Net interest margin | 3.1364% | 3,139 |
| Noninterest income to average assets | 0.5200% | 1,794 |
| Noninterest expense to average assets | 1.1821% | 4,518 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.5140% | 1,073 |
| Return on assets (ROA) | 1.5163% | 1,069 |
| Pretax return on assets | 2.0697% | 664 |
| Return on Equity (ROE) | 18.1100% | 941 |
| Retained earnings to average equity (ytd only) | 18.1149% | 335 |
| Net charge-offs to loans | 0.0651% | 905 |
| Credit loss provision to net charge-offs | 322.0817% | 827 |
| Earnings coverage of net charge-offs (x) | 46.8152% | 1,319 |
| Efficiency ratio | 34.5355% | 4,497 |
| Assets per employee ($millions) | 44.6801% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,132 |
| Loan loss allowance to noncurrent loans | 458.3606% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 2,611 |
| Noncurrent loans to loans | 0.1594% | 2,679 |
| Net loans and leases to total assets | 71.7200% | 1,565 |
| Net loans and leases to deposits | 83.5072% | 1,719 |
| Net loans and leases to core deposits | 100.7964% | 1,190 |
| Total domestic deposits to total assets | 85.8900% | 2,268 |
| Equity capital to assets | 8.4872% | 2,878 |
| Core capital (leverage) ratio | 9.6683% | 3,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7238% | 2,706 |
| Memoranda: | ||
| Average total assets | $4,448,383,000 | 290 |
| Average earning assets | $4,010,195,667 | 287 |
| Average equity | $372,345,000 | 322 |
| Average total loans | $3,157,053,000 | 284 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2950% | 833 |
| Cost of funding earning assets | 2.0733% | 252 |
| Net interest margin | 3.2218% | 3,065 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 1.1661% | 4,582 |
| Loan and lease loss provision to assets | 0.2400% | 401 |
| Net operating income to assets | 1.4740% | 1,233 |
| Return on assets (ROA) | 1.4795% | 1,204 |
| Pretax return on assets | 2.0158% | 754 |
| Return on Equity (ROE) | 17.8000% | 1,050 |
| Retained earnings to average equity (ytd only) | 17.8030% | 528 |
| Net charge-offs to loans | 0.0358% | 1,016 |
| Credit loss provision to net charge-offs | 869.0647% | 394 |
| Earnings coverage of net charge-offs (x) | 89.1583% | 845 |
| Efficiency ratio | 33.3988% | 4,579 |
| Assets per employee ($millions) | 46.0828% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 4,181 |
| Loan loss allowance to noncurrent loans | 406.6117% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 2,514 |
| Noncurrent loans to loans | 0.1842% | 2,556 |
| Net loans and leases to total assets | 69.4700% | 1,675 |
| Net loans and leases to deposits | 84.1556% | 1,487 |
| Net loans and leases to core deposits | 95.3782% | 1,318 |
| Total domestic deposits to total assets | 82.5500% | 3,394 |
| Equity capital to assets | 8.3945% | 2,972 |
| Core capital (leverage) ratio | 9.1291% | 3,617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4169% | 2,875 |
| Memoranda: | ||
| Average total assets | $4,416,231,500 | 303 |
| Average earning assets | $3,897,614,000 | 305 |
| Average equity | $367,016,500 | 337 |
| Average total loans | $3,105,402,500 | 295 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4053% | 3,332 |
| Cost of funding earning assets | 0.5568% | 1,081 |
| Net interest margin | 2.8485% | 3,794 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.0721% | 4,629 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.3646% | 1,230 |
| Return on assets (ROA) | 1.3619% | 1,195 |
| Pretax return on assets | 1.8550% | 644 |
| Return on Equity (ROE) | 16.8000% | 898 |
| Retained earnings to average equity (ytd only) | 16.7964% | 183 |
| Net charge-offs to loans | 0.0153% | 1,815 |
| Credit loss provision to net charge-offs | 656.8129% | 561 |
| Earnings coverage of net charge-offs (x) | 193.2956% | 658 |
| Efficiency ratio | 33.8327% | 4,620 |
| Assets per employee ($millions) | 45.9186% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7019% | 4,207 |
| Loan loss allowance to noncurrent loans | 519.3838% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 2,761 |
| Noncurrent loans to loans | 0.1352% | 2,838 |
| Net loans and leases to total assets | 70.1600% | 1,625 |
| Net loans and leases to deposits | 82.0030% | 1,611 |
| Net loans and leases to core deposits | 89.9101% | 1,508 |
| Total domestic deposits to total assets | 85.5600% | 2,839 |
| Equity capital to assets | 8.2229% | 2,918 |
| Core capital (leverage) ratio | 9.0698% | 3,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3034% | 2,918 |
| Memoranda: | ||
| Average total assets | $4,183,934,200 | 307 |
| Average earning assets | $3,848,293,200 | 299 |
| Average equity | $339,257,400 | 354 |
| Average total loans | $2,826,854,800 | 293 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9576% | 3,967 |
| Cost of funding earning assets | 0.2662% | 2,527 |
| Net interest margin | 2.6914% | 3,948 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 1.0462% | 4,662 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.3033% | 1,341 |
| Return on assets (ROA) | 1.2995% | 1,319 |
| Pretax return on assets | 1.7737% | 773 |
| Return on Equity (ROE) | 16.0900% | 956 |
| Retained earnings to average equity (ytd only) | 16.0852% | 272 |
| Net charge-offs to loans | 0.0191% | 1,455 |
| Credit loss provision to net charge-offs | 542.2111% | 584 |
| Earnings coverage of net charge-offs (x) | 148.0101% | 754 |
| Efficiency ratio | 34.4739% | 4,659 |
| Assets per employee ($millions) | 42.4705% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 4,262 |
| Loan loss allowance to noncurrent loans | 517.7850% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 2,932 |
| Noncurrent loans to loans | 0.1340% | 2,965 |
| Net loans and leases to total assets | 72.8800% | 1,191 |
| Net loans and leases to deposits | 85.7164% | 1,192 |
| Net loans and leases to core deposits | 97.1109% | 948 |
| Total domestic deposits to total assets | 85.0300% | 3,277 |
| Equity capital to assets | 8.2310% | 2,730 |
| Core capital (leverage) ratio | 8.9432% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1479% | 3,018 |
| Memoranda: | ||
| Average total assets | $4,150,829,750 | 306 |
| Average earning assets | $3,845,563,250 | 298 |
| Average equity | $335,339,500 | 356 |
| Average total loans | $2,771,083,250 | 293 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5672% | 4,309 |
| Cost of funding earning assets | 0.1325% | 3,810 |
| Net interest margin | 2.4347% | 4,183 |
| Noninterest income to average assets | 0.4211% | 2,623 |
| Noninterest expense to average assets | 1.0218% | 4,686 |
| Loan and lease loss provision to assets | 0.0579% | 1,548 |
| Net operating income to assets | 1.1694% | 1,539 |
| Return on assets (ROA) | 1.1653% | 1,532 |
| Pretax return on assets | 1.5906% | 961 |
| Return on Equity (ROE) | 14.5125% | 997 |
| Retained earnings to average equity (ytd only) | 14.5125% | 312 |
| Net charge-offs to loans | 0.0056% | 1,799 |
| Credit loss provision to net charge-offs | 1,719.7368% | 273 |
| Earnings coverage of net charge-offs (x) | 454.2763% | 279 |
| Efficiency ratio | 36.9580% | 4,669 |
| Assets per employee ($millions) | 46.0284% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7096% | 4,315 |
| Loan loss allowance to noncurrent loans | 456.7397% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.1035% | 2,987 |
| Noncurrent loans to loans | 0.1554% | 2,914 |
| Net loans and leases to total assets | 66.1209% | 1,673 |
| Net loans and leases to deposits | 74.3582% | 1,829 |
| Net loans and leases to core deposits | 83.2263% | 1,503 |
| Total domestic deposits to total assets | 88.9221% | 2,215 |
| Equity capital to assets | 7.9000% | 3,198 |
| Core capital (leverage) ratio | 9.0360% | 3,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2489% | 2,976 |
| Memoranda: | ||
| Average total assets | $4,175,384,667 | 302 |
| Average earning assets | $3,866,376,000 | 300 |
| Average equity | $335,255,000 | 362 |
| Average total loans | $2,697,332,000 | 294 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3845% | 4,392 |
| Cost of funding earning assets | 0.1062% | 4,056 |
| Net interest margin | 2.2782% | 4,267 |
| Noninterest income to average assets | 0.4929% | 2,181 |
| Noninterest expense to average assets | 0.9938% | 4,722 |
| Loan and lease loss provision to assets | -0.0458% | 4,508 |
| Net operating income to assets | 1.2196% | 1,201 |
| Return on assets (ROA) | 1.2158% | 1,196 |
| Pretax return on assets | 1.6560% | 750 |
| Return on Equity (ROE) | 15.0164% | 651 |
| Retained earnings to average equity (ytd only) | 15.0164% | 285 |
| Net charge-offs to loans | 0.0327% | 977 |
| Credit loss provision to net charge-offs | 207.9439% | 766 |
| Earnings coverage of net charge-offs (x) | 77.7850% | 754 |
| Efficiency ratio | 36.8106% | 4,694 |
| Assets per employee ($millions) | 45.2525% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7319% | 4,334 |
| Loan loss allowance to noncurrent loans | 483.6268% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.0966% | 3,131 |
| Noncurrent loans to loans | 0.1513% | 3,047 |
| Net loans and leases to total assets | 63.3307% | 1,705 |
| Net loans and leases to deposits | 71.5537% | 1,818 |
| Net loans and leases to core deposits | 80.7045% | 1,437 |
| Total domestic deposits to total assets | 88.5079% | 2,293 |
| Equity capital to assets | 8.0680% | 3,516 |
| Core capital (leverage) ratio | 8.6522% | 3,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5462% | 2,972 |
| Memoranda: | ||
| Average total assets | $4,122,755,000 | 310 |
| Average earning assets | $3,829,083,000 | 307 |
| Average equity | $333,796,000 | 370 |
| Average total loans | $2,620,684,000 | 298 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3784% | 4,552 |
| Cost of funding earning assets | 0.1601% | 3,867 |
| Net interest margin | 2.2183% | 4,474 |
| Noninterest income to average assets | 0.3712% | 3,210 |
| Noninterest expense to average assets | 1.0925% | 4,738 |
| Loan and lease loss provision to assets | 0.0323% | 2,404 |
| Net operating income to assets | 0.9583% | 2,839 |
| Return on assets (ROA) | 0.9570% | 2,913 |
| Pretax return on assets | 1.3183% | 2,304 |
| Return on Equity (ROE) | 12.0267% | 1,810 |
| Retained earnings to average equity (ytd only) | 12.0267% | 531 |
| Net charge-offs to loans | 0.1025% | 842 |
| Credit loss provision to net charge-offs | -15.2946% | 3,176 |
| Earnings coverage of net charge-offs (x) | 21.0741% | 1,832 |
| Efficiency ratio | 43.0857% | 4,602 |
| Assets per employee ($millions) | 45.3575% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 4,381 |
| Loan loss allowance to noncurrent loans | 294.4513% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 2,849 |
| Noncurrent loans to loans | 0.2468% | 2,739 |
| Net loans and leases to total assets | 62.8753% | 1,841 |
| Net loans and leases to deposits | 71.0231% | 2,017 |
| Net loans and leases to core deposits | 79.8229% | 1,609 |
| Total domestic deposits to total assets | 88.5279% | 1,777 |
| Equity capital to assets | 8.1248% | 4,290 |
| Core capital (leverage) ratio | 8.4980% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1515% | 3,028 |
| Memoranda: | ||
| Average total assets | $3,994,347,400 | 301 |
| Average earning assets | $3,733,674,800 | 299 |
| Average equity | $317,851,600 | 381 |
| Average total loans | $2,499,639,800 | 304 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3744% | 4,643 |
| Cost of funding earning assets | 0.1755% | 3,865 |
| Net interest margin | 2.1988% | 4,573 |
| Noninterest income to average assets | 0.3507% | 3,356 |
| Noninterest expense to average assets | 1.0976% | 4,815 |
| Loan and lease loss provision to assets | -0.0163% | 4,341 |
| Net operating income to assets | 0.9728% | 3,008 |
| Return on assets (ROA) | 0.9711% | 3,095 |
| Pretax return on assets | 1.3282% | 2,547 |
| Return on Equity (ROE) | 12.2711% | 1,948 |
| Retained earnings to average equity (ytd only) | 12.2711% | 783 |
| Net charge-offs to loans | 0.1056% | 715 |
| Credit loss provision to net charge-offs | -51.9918% | 3,143 |
| Earnings coverage of net charge-offs (x) | 19.9367% | 1,745 |
| Efficiency ratio | 43.8549% | 4,594 |
| Assets per employee ($millions) | 42.6568% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 4,438 |
| Loan loss allowance to noncurrent loans | 256.7930% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 2,924 |
| Noncurrent loans to loans | 0.2888% | 2,759 |
| Net loans and leases to total assets | 61.3856% | 2,093 |
| Net loans and leases to deposits | 69.2247% | 2,311 |
| Net loans and leases to core deposits | 77.7537% | 1,906 |
| Total domestic deposits to total assets | 88.6759% | 1,474 |
| Equity capital to assets | 7.8971% | 4,565 |
| Core capital (leverage) ratio | 8.1208% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1900% | 3,072 |
| Memoranda: | ||
| Average total assets | $3,961,050,750 | 303 |
| Average earning assets | $3,712,431,500 | 300 |
| Average equity | $313,476,000 | 389 |
| Average total loans | $2,471,000,500 | 307 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3833% | 4,682 |
| Cost of funding earning assets | 0.1948% | 3,805 |
| Net interest margin | 2.1885% | 4,609 |
| Noninterest income to average assets | 0.3305% | 3,448 |
| Noninterest expense to average assets | 1.1064% | 4,846 |
| Loan and lease loss provision to assets | -0.0107% | 4,410 |
| Net operating income to assets | 0.9411% | 3,086 |
| Return on assets (ROA) | 0.9404% | 3,172 |
| Pretax return on assets | 1.2845% | 2,671 |
| Return on Equity (ROE) | 11.8739% | 2,117 |
| Retained earnings to average equity (ytd only) | 11.8739% | 948 |
| Net charge-offs to loans | 0.1356% | 587 |
| Credit loss provision to net charge-offs | -59.0332% | 3,000 |
| Earnings coverage of net charge-offs (x) | 15.0278% | 1,648 |
| Efficiency ratio | 44.7554% | 4,580 |
| Assets per employee ($millions) | 44.3503% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 4,411 |
| Loan loss allowance to noncurrent loans | 285.8559% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.1675% | 3,146 |
| Noncurrent loans to loans | 0.2700% | 2,969 |
| Net loans and leases to total assets | 61.5453% | 2,231 |
| Net loans and leases to deposits | 69.4682% | 2,465 |
| Net loans and leases to core deposits | 79.5772% | 1,920 |
| Total domestic deposits to total assets | 88.5949% | 1,513 |
| Equity capital to assets | 7.8606% | 4,596 |
| Core capital (leverage) ratio | 8.1685% | 4,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4172% | 3,049 |
| Memoranda: | ||
| Average total assets | $3,902,164,000 | 306 |
| Average earning assets | $3,656,292,333 | 303 |
| Average equity | $309,047,667 | 387 |
| Average total loans | $2,441,688,333 | 311 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3613% | 4,734 |
| Cost of funding earning assets | 0.2118% | 3,807 |
| Net interest margin | 2.1495% | 4,653 |
| Noninterest income to average assets | 0.3036% | 3,597 |
| Noninterest expense to average assets | 1.1285% | 4,877 |
| Loan and lease loss provision to assets | -0.0533% | 4,656 |
| Net operating income to assets | 0.9202% | 3,079 |
| Return on assets (ROA) | 0.9173% | 3,160 |
| Pretax return on assets | 1.2486% | 2,701 |
| Return on Equity (ROE) | 11.5363% | 2,177 |
| Retained earnings to average equity (ytd only) | 11.5363% | 1,263 |
| Net charge-offs to loans | 0.3763% | 224 |
| Credit loss provision to net charge-offs | 17.1517% | 1,432 |
| Earnings coverage of net charge-offs (x) | 5.0692% | 1,696 |
| Efficiency ratio | 46.7043% | 4,427 |
| Assets per employee ($millions) | 38.9682% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8091% | 4,394 |
| Loan loss allowance to noncurrent loans | 343.8506% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 3,401 |
| Noncurrent loans to loans | 0.2353% | 3,263 |
| Net loans and leases to total assets | 64.4432% | 1,988 |
| Net loans and leases to deposits | 72.8993% | 2,224 |
| Net loans and leases to core deposits | 84.7233% | 1,614 |
| Total domestic deposits to total assets | 88.4002% | 1,656 |
| Equity capital to assets | 8.0530% | 4,461 |
| Core capital (leverage) ratio | 8.0210% | 4,547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3897% | 3,023 |
| Memoranda: | ||
| Average total assets | $3,835,308,000 | 306 |
| Average earning assets | $3,611,237,000 | 305 |
| Average equity | $304,950,000 | 385 |
| Average total loans | $2,410,926,000 | 315 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0020% | 4,631 |
| Cost of funding earning assets | 0.4724% | 3,135 |
| Net interest margin | 2.5297% | 4,563 |
| Noninterest income to average assets | 0.4032% | 3,077 |
| Noninterest expense to average assets | 1.2304% | 4,893 |
| Loan and lease loss provision to assets | 0.4226% | 703 |
| Net operating income to assets | 0.9749% | 2,381 |
| Return on assets (ROA) | 0.9753% | 2,526 |
| Pretax return on assets | 1.1448% | 2,529 |
| Return on Equity (ROE) | 11.0833% | 1,601 |
| Retained earnings to average equity (ytd only) | 5.8703% | 1,863 |
| Net charge-offs to loans | 0.2382% | 734 |
| Credit loss provision to net charge-offs | 272.0472% | 1,835 |
| Earnings coverage of net charge-offs (x) | 10.0870% | 2,486 |
| Efficiency ratio | 42.0110% | 4,834 |
| Assets per employee ($millions) | 40.9759% | 31 |
| Cash dividends to net income (ytd only)* | 47.0352% | 2,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,080 |
| Loan loss allowance to noncurrent loans | 199.4458% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.2858% | 2,866 |
| Noncurrent loans to loans | 0.4702% | 2,558 |
| Net loans and leases to total assets | 60.2019% | 2,834 |
| Net loans and leases to deposits | 68.4677% | 3,035 |
| Net loans and leases to core deposits | 78.7628% | 2,481 |
| Total domestic deposits to total assets | 87.9275% | 1,508 |
| Equity capital to assets | 7.8501% | 4,760 |
| Core capital (leverage) ratio | 8.5314% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6513% | 3,000 |
| Memoranda: | ||
| Average total assets | $3,269,980,600 | 323 |
| Average earning assets | $3,094,924,400 | 313 |
| Average equity | $287,738,600 | 384 |
| Average total loans | $2,132,508,800 | 337 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2187% | 4,567 |
| Cost of funding earning assets | 0.5586% | 2,876 |
| Net interest margin | 2.6601% | 4,512 |
| Noninterest income to average assets | 0.4587% | 2,802 |
| Noninterest expense to average assets | 1.3355% | 4,894 |
| Loan and lease loss provision to assets | 0.6868% | 314 |
| Net operating income to assets | 0.8713% | 2,817 |
| Return on assets (ROA) | 0.8707% | 2,948 |
| Pretax return on assets | 0.9440% | 3,252 |
| Return on Equity (ROE) | 9.5768% | 2,176 |
| Retained earnings to average equity (ytd only) | 2.5368% | 3,720 |
| Net charge-offs to loans | 0.2546% | 605 |
| Credit loss provision to net charge-offs | 405.0843% | 1,452 |
| Earnings coverage of net charge-offs (x) | 9.6230% | 2,415 |
| Efficiency ratio | 43.0367% | 4,829 |
| Assets per employee ($millions) | 36.3152% | 36 |
| Cash dividends to net income (ytd only)* | 73.5114% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 3,124 |
| Loan loss allowance to noncurrent loans | 220.1808% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 2,690 |
| Noncurrent loans to loans | 0.5069% | 2,527 |
| Net loans and leases to total assets | 66.4599% | 2,454 |
| Net loans and leases to deposits | 76.1853% | 2,733 |
| Net loans and leases to core deposits | 89.9264% | 1,975 |
| Total domestic deposits to total assets | 87.2346% | 1,563 |
| Equity capital to assets | 8.6374% | 4,379 |
| Core capital (leverage) ratio | 9.0796% | 3,678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7626% | 2,970 |
| Memoranda: | ||
| Average total assets | $3,124,542,250 | 323 |
| Average earning assets | $2,946,081,750 | 314 |
| Average equity | $284,082,250 | 380 |
| Average total loans | $2,080,443,500 | 339 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4687% | 4,454 |
| Cost of funding earning assets | 0.6702% | 2,559 |
| Net interest margin | 2.7985% | 4,451 |
| Noninterest income to average assets | 0.5449% | 2,376 |
| Noninterest expense to average assets | 1.4143% | 4,897 |
| Loan and lease loss provision to assets | 1.0356% | 191 |
| Net operating income to assets | 0.5408% | 3,905 |
| Return on assets (ROA) | 0.5410% | 3,984 |
| Pretax return on assets | 0.7323% | 3,790 |
| Return on Equity (ROE) | 5.8422% | 3,568 |
| Retained earnings to average equity (ytd only) | -4.8135% | 4,762 |
| Net charge-offs to loans | 0.3837% | 412 |
| Credit loss provision to net charge-offs | 406.7700% | 1,391 |
| Earnings coverage of net charge-offs (x) | 6.9434% | 2,404 |
| Efficiency ratio | 42.5305% | 4,848 |
| Assets per employee ($millions) | 34.3262% | 38 |
| Cash dividends to net income (ytd only)* | 182.3930% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 2,745 |
| Loan loss allowance to noncurrent loans | 214.9259% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3910% | 2,727 |
| Noncurrent loans to loans | 0.5380% | 2,556 |
| Net loans and leases to total assets | 67.1628% | 2,478 |
| Net loans and leases to deposits | 77.5640% | 2,706 |
| Net loans and leases to core deposits | 89.2190% | 2,139 |
| Total domestic deposits to total assets | 86.5902% | 1,775 |
| Equity capital to assets | 8.7965% | 4,266 |
| Core capital (leverage) ratio | 8.6613% | 4,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9292% | 2,988 |
| Memoranda: | ||
| Average total assets | $3,040,285,333 | 327 |
| Average earning assets | $2,864,779,333 | 318 |
| Average equity | $281,538,667 | 381 |
| Average total loans | $2,017,293,333 | 346 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8349% | 4,164 |
| Cost of funding earning assets | 0.8450% | 2,138 |
| Net interest margin | 2.9899% | 4,294 |
| Noninterest income to average assets | 0.6643% | 1,789 |
| Noninterest expense to average assets | 1.3363% | 4,992 |
| Loan and lease loss provision to assets | 0.8787% | 266 |
| Net operating income to assets | 0.9211% | 2,453 |
| Return on assets (ROA) | 0.9156% | 2,574 |
| Pretax return on assets | 1.2397% | 2,069 |
| Return on Equity (ROE) | 9.6275% | 1,869 |
| Retained earnings to average equity (ytd only) | -11.6566% | 4,817 |
| Net charge-offs to loans | 0.0466% | 1,553 |
| Credit loss provision to net charge-offs | 2,881.4159% | 271 |
| Earnings coverage of net charge-offs (x) | 69.6947% | 728 |
| Efficiency ratio | 36.7740% | 5,023 |
| Assets per employee ($millions) | 32.2677% | 36 |
| Cash dividends to net income (ytd only)* | 221.0759% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,908 |
| Loan loss allowance to noncurrent loans | 122.5735% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 2,343 |
| Noncurrent loans to loans | 0.7799% | 2,051 |
| Net loans and leases to total assets | 65.9071% | 2,829 |
| Net loans and leases to deposits | 76.5844% | 3,022 |
| Net loans and leases to core deposits | 91.3101% | 2,222 |
| Total domestic deposits to total assets | 86.0581% | 1,979 |
| Equity capital to assets | 9.1417% | 4,512 |
| Core capital (leverage) ratio | 8.9948% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5450% | 3,213 |
| Memoranda: | ||
| Average total assets | $2,964,257,500 | 327 |
| Average earning assets | $2,773,497,500 | 316 |
| Average equity | $281,900,500 | 377 |
| Average total loans | $1,941,364,500 | 346 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 3,725 |
| Cost of funding earning assets | 0.9735% | 1,836 |
| Net interest margin | 3.2581% | 4,065 |
| Noninterest income to average assets | 0.5458% | 2,510 |
| Noninterest expense to average assets | 1.5320% | 4,992 |
| Loan and lease loss provision to assets | 0.0635% | 2,766 |
| Net operating income to assets | 1.4852% | 1,091 |
| Return on assets (ROA) | 1.4924% | 1,134 |
| Pretax return on assets | 2.0190% | 580 |
| Return on Equity (ROE) | 15.4320% | 618 |
| Retained earnings to average equity (ytd only) | 13.1654% | 161 |
| Net charge-offs to loans | 0.0622% | 2,210 |
| Credit loss provision to net charge-offs | 150.3025% | 1,700 |
| Earnings coverage of net charge-offs (x) | 49.0545% | 1,142 |
| Efficiency ratio | 40.3390% | 5,062 |
| Assets per employee ($millions) | 29.8238% | 37 |
| Cash dividends to net income (ytd only)* | 14.6875% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6950% | 4,585 |
| Loan loss allowance to noncurrent loans | 81.6941% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5476% | 2,249 |
| Noncurrent loans to loans | 0.8507% | 1,812 |
| Net loans and leases to total assets | 63.9201% | 3,214 |
| Net loans and leases to deposits | 73.5085% | 3,391 |
| Net loans and leases to core deposits | 87.5896% | 2,642 |
| Total domestic deposits to total assets | 86.9560% | 1,634 |
| Equity capital to assets | 9.9043% | 4,006 |
| Core capital (leverage) ratio | 9.8409% | 3,685 |
| Tier 1 risk-based capital ratio | 11.9075% | 4,414 |
| Total risk-based capital ratio | 12.5012% | 4,650 |
| Memoranda: | ||
| Average total assets | $2,737,280,000 | 333 |
| Average earning assets | $2,570,536,400 | 324 |
| Average equity | $264,716,400 | 379 |
| Average total loans | $1,861,141,000 | 346 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 3,453 |
| Cost of funding earning assets | 0.9845% | 1,830 |
| Net interest margin | 3.3847% | 3,898 |
| Noninterest income to average assets | 0.5584% | 2,416 |
| Noninterest expense to average assets | 1.5393% | 5,048 |
| Loan and lease loss provision to assets | 0.0794% | 2,322 |
| Net operating income to assets | 1.5597% | 1,031 |
| Return on assets (ROA) | 1.5708% | 1,048 |
| Pretax return on assets | 2.1226% | 522 |
| Return on Equity (ROE) | 16.3476% | 558 |
| Retained earnings to average equity (ytd only) | 13.2708% | 259 |
| Net charge-offs to loans | 0.0232% | 2,632 |
| Credit loss provision to net charge-offs | 496.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 136.6254% | 580 |
| Efficiency ratio | 39.1581% | 5,145 |
| Assets per employee ($millions) | 30.5600% | 33 |
| Cash dividends to net income (ytd only)* | 18.8212% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 4,627 |
| Loan loss allowance to noncurrent loans | 101.5710% | 3,297 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 2,648 |
| Noncurrent loans to loans | 0.7012% | 2,203 |
| Net loans and leases to total assets | 65.5753% | 3,105 |
| Net loans and leases to deposits | 74.3966% | 3,443 |
| Net loans and leases to core deposits | 89.7742% | 2,559 |
| Total domestic deposits to total assets | 88.1429% | 975 |
| Equity capital to assets | 9.5888% | 4,400 |
| Core capital (leverage) ratio | 9.5263% | 4,142 |
| Tier 1 risk-based capital ratio | 11.2625% | 4,783 |
| Total risk-based capital ratio | 11.8744% | 4,963 |
| Memoranda: | ||
| Average total assets | $2,705,828,000 | 339 |
| Average earning assets | $2,533,280,750 | 331 |
| Average equity | $260,003,000 | 387 |
| Average total loans | $1,865,702,250 | 346 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4878% | 3,056 |
| Cost of funding earning assets | 0.9800% | 1,792 |
| Net interest margin | 3.5078% | 3,573 |
| Noninterest income to average assets | 0.5547% | 2,367 |
| Noninterest expense to average assets | 1.5855% | 5,071 |
| Loan and lease loss provision to assets | 0.1278% | 1,457 |
| Net operating income to assets | 1.5611% | 990 |
| Return on assets (ROA) | 1.5705% | 1,011 |
| Pretax return on assets | 2.1217% | 523 |
| Return on Equity (ROE) | 16.3317% | 540 |
| Retained earnings to average equity (ytd only) | 11.6231% | 451 |
| Net charge-offs to loans | 0.0558% | 1,844 |
| Credit loss provision to net charge-offs | 327.0270% | 845 |
| Earnings coverage of net charge-offs (x) | 57.2413% | 1,011 |
| Efficiency ratio | 39.3241% | 5,178 |
| Assets per employee ($millions) | 28.6026% | 34 |
| Cash dividends to net income (ytd only)* | 28.8309% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6960% | 4,724 |
| Loan loss allowance to noncurrent loans | 105.3037% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4714% | 2,646 |
| Noncurrent loans to loans | 0.6609% | 2,304 |
| Net loans and leases to total assets | 69.6431% | 2,582 |
| Net loans and leases to deposits | 78.9493% | 3,066 |
| Net loans and leases to core deposits | 96.1242% | 2,057 |
| Total domestic deposits to total assets | 88.2125% | 1,004 |
| Equity capital to assets | 9.5891% | 4,320 |
| Core capital (leverage) ratio | 9.3532% | 4,306 |
| Tier 1 risk-based capital ratio | 10.9556% | 4,931 |
| Total risk-based capital ratio | 11.5736% | 5,081 |
| Memoranda: | ||
| Average total assets | $2,650,225,330 | 343 |
| Average earning assets | $2,469,335,330 | 339 |
| Average equity | $254,853,670 | 392 |
| Average total loans | $1,855,185,330 | 348 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 3,010 |
| Cost of funding earning assets | 0.9320% | 1,876 |
| Net interest margin | 3.5282% | 3,508 |
| Noninterest income to average assets | 0.5535% | 2,268 |
| Noninterest expense to average assets | 1.5595% | 5,129 |
| Loan and lease loss provision to assets | -0.0111% | 5,212 |
| Net operating income to assets | 1.7094% | 717 |
| Return on assets (ROA) | 1.7226% | 726 |
| Pretax return on assets | 2.3128% | 352 |
| Return on Equity (ROE) | 17.8862% | 411 |
| Retained earnings to average equity (ytd only) | 17.8862% | 149 |
| Net charge-offs to loans | 0.0813% | 1,276 |
| Credit loss provision to net charge-offs | -19.4595% | 3,442 |
| Earnings coverage of net charge-offs (x) | 40.1811% | 1,152 |
| Efficiency ratio | 38.3720% | 5,238 |
| Assets per employee ($millions) | 30.2382% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 4,858 |
| Loan loss allowance to noncurrent loans | 151.7508% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.3048% | 3,390 |
| Noncurrent loans to loans | 0.4242% | 3,068 |
| Net loans and leases to total assets | 68.3671% | 2,704 |
| Net loans and leases to deposits | 77.6787% | 3,096 |
| Net loans and leases to core deposits | 95.1671% | 2,007 |
| Total domestic deposits to total assets | 88.0126% | 1,332 |
| Equity capital to assets | 9.6791% | 4,108 |
| Core capital (leverage) ratio | 9.2541% | 4,407 |
| Tier 1 risk-based capital ratio | 11.1388% | 4,916 |
| Total risk-based capital ratio | 11.7022% | 5,104 |
| Memoranda: | ||
| Average total assets | $2,602,413,000 | 352 |
| Average earning assets | $2,427,550,000 | 345 |
| Average equity | $250,629,500 | 394 |
| Average total loans | $1,819,929,000 | 355 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0578% | 3,873 |
| Cost of funding earning assets | 0.6320% | 2,510 |
| Net interest margin | 3.4259% | 3,922 |
| Noninterest income to average assets | 0.5472% | 2,566 |
| Noninterest expense to average assets | 1.5782% | 5,179 |
| Loan and lease loss provision to assets | -0.0443% | 5,187 |
| Net operating income to assets | 1.6350% | 802 |
| Return on assets (ROA) | 1.6271% | 815 |
| Pretax return on assets | 2.1966% | 359 |
| Return on Equity (ROE) | 16.5737% | 535 |
| Retained earnings to average equity (ytd only) | 13.4979% | 195 |
| Net charge-offs to loans | -0.1214% | 5,191 |
| Credit loss provision to net charge-offs | 49.2337% | 3,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9304% | 5,244 |
| Assets per employee ($millions) | 27.0624% | 36 |
| Cash dividends to net income (ytd only)* | 18.5583% | 3,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 4,852 |
| Loan loss allowance to noncurrent loans | 117.0846% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 2,741 |
| Noncurrent loans to loans | 0.5776% | 2,553 |
| Net loans and leases to total assets | 70.6254% | 2,480 |
| Net loans and leases to deposits | 79.7012% | 2,989 |
| Net loans and leases to core deposits | 96.2970% | 2,037 |
| Total domestic deposits to total assets | 88.6128% | 1,021 |
| Equity capital to assets | 9.5800% | 4,063 |
| Core capital (leverage) ratio | 9.8072% | 3,787 |
| Tier 1 risk-based capital ratio | 10.4835% | 5,188 |
| Total risk-based capital ratio | 11.0620% | 5,304 |
| Memoranda: | ||
| Average total assets | $2,318,140,200 | 376 |
| Average earning assets | $2,160,707,200 | 365 |
| Average equity | $227,583,200 | 411 |
| Average total loans | $1,719,481,400 | 367 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0255% | 3,855 |
| Cost of funding earning assets | 0.5932% | 2,522 |
| Net interest margin | 3.4323% | 3,915 |
| Noninterest income to average assets | 0.5332% | 2,661 |
| Noninterest expense to average assets | 1.5758% | 5,230 |
| Loan and lease loss provision to assets | -0.0779% | 5,331 |
| Net operating income to assets | 1.6590% | 820 |
| Return on assets (ROA) | 1.6489% | 855 |
| Pretax return on assets | 2.2232% | 388 |
| Return on Equity (ROE) | 16.6817% | 586 |
| Retained earnings to average equity (ytd only) | 12.5068% | 417 |
| Net charge-offs to loans | -0.1123% | 5,196 |
| Credit loss provision to net charge-offs | 92.4423% | 2,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1392% | 5,265 |
| Assets per employee ($millions) | 27.5838% | 37 |
| Cash dividends to net income (ytd only)* | 25.0268% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 4,839 |
| Loan loss allowance to noncurrent loans | 81.7372% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.6745% | 2,178 |
| Noncurrent loans to loans | 0.8787% | 1,944 |
| Net loans and leases to total assets | 68.1251% | 2,914 |
| Net loans and leases to deposits | 76.7745% | 3,346 |
| Net loans and leases to core deposits | 95.5185% | 2,160 |
| Total domestic deposits to total assets | 88.7341% | 943 |
| Equity capital to assets | 10.1024% | 3,540 |
| Core capital (leverage) ratio | 10.4080% | 3,178 |
| Tier 1 risk-based capital ratio | 11.7226% | 4,652 |
| Total risk-based capital ratio | 12.3252% | 4,898 |
| Memoranda: | ||
| Average total assets | $2,261,709,250 | 380 |
| Average earning assets | $2,109,120,750 | 370 |
| Average equity | $223,553,250 | 414 |
| Average total loans | $1,697,139,750 | 371 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9657% | 3,886 |
| Cost of funding earning assets | 0.5202% | 2,836 |
| Net interest margin | 3.4455% | 3,819 |
| Noninterest income to average assets | 0.5318% | 2,676 |
| Noninterest expense to average assets | 1.5666% | 5,296 |
| Loan and lease loss provision to assets | -0.0881% | 5,413 |
| Net operating income to assets | 1.6983% | 719 |
| Return on assets (ROA) | 1.6843% | 754 |
| Pretax return on assets | 2.2815% | 341 |
| Return on Equity (ROE) | 17.1685% | 503 |
| Retained earnings to average equity (ytd only) | 17.1685% | 121 |
| Net charge-offs to loans | -0.1268% | 5,231 |
| Credit loss provision to net charge-offs | 89.9365% | 2,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4046% | 5,367 |
| Assets per employee ($millions) | 24.6767% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6594% | 5,015 |
| Loan loss allowance to noncurrent loans | 135.4556% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 2,865 |
| Noncurrent loans to loans | 0.4868% | 2,976 |
| Net loans and leases to total assets | 78.3790% | 1,256 |
| Net loans and leases to deposits | 88.7254% | 2,016 |
| Net loans and leases to core deposits | 103.3835% | 1,446 |
| Total domestic deposits to total assets | 88.3389% | 1,203 |
| Equity capital to assets | 10.6088% | 3,020 |
| Core capital (leverage) ratio | 10.0575% | 3,517 |
| Tier 1 risk-based capital ratio | 11.0397% | 5,032 |
| Total risk-based capital ratio | 11.6125% | 5,233 |
| Memoranda: | ||
| Average total assets | $2,252,459,330 | 382 |
| Average earning assets | $2,122,003,670 | 369 |
| Average equity | $220,974,330 | 418 |
| Average total loans | $1,739,193,000 | 362 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,260 |
| Cost of funding earning assets | 0.3984% | 3,601 |
| Net interest margin | 3.3879% | 3,921 |
| Noninterest income to average assets | 0.5459% | 2,542 |
| Noninterest expense to average assets | 1.5118% | 5,382 |
| Loan and lease loss provision to assets | -0.0337% | 5,447 |
| Net operating income to assets | 1.6710% | 726 |
| Return on assets (ROA) | 1.6426% | 775 |
| Pretax return on assets | 2.2244% | 359 |
| Return on Equity (ROE) | 17.4149% | 469 |
| Retained earnings to average equity (ytd only) | 17.4149% | 178 |
| Net charge-offs to loans | -0.1806% | 5,358 |
| Credit loss provision to net charge-offs | 24.3995% | 2,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3733% | 5,450 |
| Assets per employee ($millions) | 28.2914% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6524% | 5,104 |
| Loan loss allowance to noncurrent loans | 160.7119% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,185 |
| Noncurrent loans to loans | 0.4060% | 3,333 |
| Net loans and leases to total assets | 77.3541% | 1,333 |
| Net loans and leases to deposits | 90.0718% | 1,685 |
| Net loans and leases to core deposits | 101.8885% | 1,542 |
| Total domestic deposits to total assets | 85.8805% | 2,599 |
| Equity capital to assets | 9.5293% | 4,064 |
| Core capital (leverage) ratio | 9.3526% | 4,255 |
| Tier 1 risk-based capital ratio | 10.2507% | 5,428 |
| Total risk-based capital ratio | 11.4406% | 5,380 |
| Memoranda: | ||
| Average total assets | $2,292,912,500 | 382 |
| Average earning assets | $2,160,778,000 | 371 |
| Average equity | $216,274,000 | 424 |
| Average total loans | $1,752,120,000 | 363 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5012% | 4,786 |
| Cost of funding earning assets | 0.2786% | 4,330 |
| Net interest margin | 3.2226% | 4,382 |
| Noninterest income to average assets | 0.5970% | 2,465 |
| Noninterest expense to average assets | 1.4486% | 5,503 |
| Loan and lease loss provision to assets | 0.0439% | 3,363 |
| Net operating income to assets | 1.1581% | 1,649 |
| Return on assets (ROA) | 1.1585% | 1,680 |
| Pretax return on assets | 2.1271% | 372 |
| Return on Equity (ROE) | 12.6034% | 1,057 |
| Retained earnings to average equity (ytd only) | 12.6034% | 152 |
| Net charge-offs to loans | -0.0249% | 5,012 |
| Credit loss provision to net charge-offs | -238.4224% | 4,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9472% | 5,529 |
| Assets per employee ($millions) | 27.6333% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6589% | 5,140 |
| Loan loss allowance to noncurrent loans | 141.1609% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4591% | 3,034 |
| Noncurrent loans to loans | 0.4667% | 3,107 |
| Net loans and leases to total assets | 74.4389% | 1,849 |
| Net loans and leases to deposits | 83.4953% | 2,552 |
| Net loans and leases to core deposits | 93.5713% | 2,236 |
| Total domestic deposits to total assets | 89.1535% | 929 |
| Equity capital to assets | 9.3329% | 4,396 |
| Core capital (leverage) ratio | 9.5149% | 4,030 |
| Tier 1 risk-based capital ratio | 10.1984% | 5,482 |
| Total risk-based capital ratio | 11.4210% | 5,415 |
| Memoranda: | ||
| Average total assets | $2,135,161,600 | 390 |
| Average earning assets | $2,002,257,400 | 375 |
| Average equity | $196,264,800 | 446 |
| Average total loans | $1,578,927,600 | 383 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 4,718 |
| Cost of funding earning assets | 0.2673% | 4,428 |
| Net interest margin | 3.2705% | 4,260 |
| Noninterest income to average assets | 0.5661% | 2,638 |
| Noninterest expense to average assets | 1.3979% | 5,575 |
| Loan and lease loss provision to assets | 0.0057% | 4,009 |
| Net operating income to assets | 1.3664% | 1,168 |
| Return on assets (ROA) | 1.3666% | 1,182 |
| Pretax return on assets | 2.2293% | 338 |
| Return on Equity (ROE) | 14.9290% | 660 |
| Retained earnings to average equity (ytd only) | 14.9290% | 121 |
| Net charge-offs to loans | -0.0307% | 5,005 |
| Credit loss provision to net charge-offs | -25.2101% | 4,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3995% | 5,614 |
| Assets per employee ($millions) | 27.5095% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6374% | 5,257 |
| Loan loss allowance to noncurrent loans | 110.8315% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 2,955 |
| Noncurrent loans to loans | 0.5751% | 2,972 |
| Net loans and leases to total assets | 73.9115% | 1,928 |
| Net loans and leases to deposits | 83.5419% | 2,607 |
| Net loans and leases to core deposits | 94.8725% | 2,183 |
| Total domestic deposits to total assets | 88.4724% | 1,137 |
| Equity capital to assets | 9.4529% | 4,486 |
| Core capital (leverage) ratio | 9.4229% | 4,262 |
| Tier 1 risk-based capital ratio | 10.3423% | 5,498 |
| Total risk-based capital ratio | 11.5742% | 5,448 |
| Memoranda: | ||
| Average total assets | $2,102,470,000 | 392 |
| Average earning assets | $1,971,359,250 | 380 |
| Average equity | $192,461,750 | 452 |
| Average total loans | $1,549,179,750 | 385 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4716% | 4,833 |
| Cost of funding earning assets | 0.2588% | 4,473 |
| Net interest margin | 3.2128% | 4,380 |
| Noninterest income to average assets | 0.5849% | 2,533 |
| Noninterest expense to average assets | 1.3336% | 5,654 |
| Loan and lease loss provision to assets | -0.0009% | 5,515 |
| Net operating income to assets | 1.3969% | 1,080 |
| Return on assets (ROA) | 1.3971% | 1,101 |
| Pretax return on assets | 2.2696% | 314 |
| Return on Equity (ROE) | 15.4376% | 605 |
| Retained earnings to average equity (ytd only) | 15.4376% | 120 |
| Net charge-offs to loans | -0.0930% | 5,390 |
| Credit loss provision to net charge-offs | 1.2676% | 2,898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.9328% | 5,683 |
| Assets per employee ($millions) | 23.2981% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6688% | 5,266 |
| Loan loss allowance to noncurrent loans | 139.7849% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,344 |
| Noncurrent loans to loans | 0.4785% | 3,315 |
| Net loans and leases to total assets | 72.2908% | 2,152 |
| Net loans and leases to deposits | 81.3708% | 2,758 |
| Net loans and leases to core deposits | 92.0632% | 2,332 |
| Total domestic deposits to total assets | 88.8412% | 1,039 |
| Equity capital to assets | 9.0557% | 4,848 |
| Core capital (leverage) ratio | 9.1961% | 4,497 |
| Tier 1 risk-based capital ratio | 10.0234% | 5,623 |
| Total risk-based capital ratio | 11.2815% | 5,574 |
| Memoranda: | ||
| Average total assets | $2,078,877,000 | 398 |
| Average earning assets | $1,952,265,000 | 386 |
| Average equity | $188,137,670 | 459 |
| Average total loans | $1,526,711,000 | 390 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4800% | 4,745 |
| Cost of funding earning assets | 0.2335% | 4,687 |
| Net interest margin | 3.2465% | 4,200 |
| Noninterest income to average assets | 0.3092% | 4,342 |
| Noninterest expense to average assets | 1.3647% | 5,712 |
| Loan and lease loss provision to assets | -0.0217% | 5,677 |
| Net operating income to assets | 1.2633% | 1,341 |
| Return on assets (ROA) | 1.2633% | 1,377 |
| Pretax return on assets | 2.0250% | 483 |
| Return on Equity (ROE) | 13.9637% | 815 |
| Retained earnings to average equity (ytd only) | 13.9637% | 299 |
| Net charge-offs to loans | -0.1795% | 5,601 |
| Credit loss provision to net charge-offs | 16.4179% | 2,190 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4203% | 5,687 |
| Assets per employee ($millions) | 24.7601% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7011% | 5,305 |
| Loan loss allowance to noncurrent loans | 133.1829% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4980% | 3,233 |
| Noncurrent loans to loans | 0.5264% | 3,235 |
| Net loans and leases to total assets | 72.3484% | 2,025 |
| Net loans and leases to deposits | 81.4256% | 2,578 |
| Net loans and leases to core deposits | 92.1614% | 2,146 |
| Total domestic deposits to total assets | 88.8521% | 1,225 |
| Equity capital to assets | 8.9616% | 4,844 |
| Core capital (leverage) ratio | 9.2181% | 4,456 |
| Tier 1 risk-based capital ratio | 10.0428% | 5,686 |
| Total risk-based capital ratio | 11.3832% | 5,620 |
| Memoranda: | ||
| Average total assets | $2,023,305,500 | 409 |
| Average earning assets | $1,906,309,500 | 395 |
| Average equity | $183,045,500 | 467 |
| Average total loans | $1,493,145,500 | 395 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2301% | 5,257 |
| Cost of funding earning assets | 0.2627% | 4,437 |
| Net interest margin | 2.9674% | 5,022 |
| Noninterest income to average assets | 0.2916% | 4,656 |
| Noninterest expense to average assets | 1.4641% | 5,733 |
| Loan and lease loss provision to assets | 0.1183% | 2,096 |
| Net operating income to assets | 0.8922% | 2,868 |
| Return on assets (ROA) | 0.9136% | 2,862 |
| Pretax return on assets | 1.4766% | 1,662 |
| Return on Equity (ROE) | 10.2144% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.2144% | 381 |
| Net charge-offs to loans | -0.0987% | 5,590 |
| Credit loss provision to net charge-offs | -167.3518% | 4,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2530% | 5,567 |
| Assets per employee ($millions) | 22.8693% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 5,331 |
| Loan loss allowance to noncurrent loans | 105.6617% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 2,891 |
| Noncurrent loans to loans | 0.6760% | 2,837 |
| Net loans and leases to total assets | 74.2552% | 1,803 |
| Net loans and leases to deposits | 84.1623% | 2,395 |
| Net loans and leases to core deposits | 95.4341% | 1,971 |
| Total domestic deposits to total assets | 88.2286% | 1,519 |
| Equity capital to assets | 9.1371% | 4,662 |
| Core capital (leverage) ratio | 8.8774% | 4,882 |
| Tier 1 risk-based capital ratio | 9.7712% | 5,785 |
| Total risk-based capital ratio | 11.1189% | 5,737 |
| Memoranda: | ||
| Average total assets | $1,788,808,800 | 434 |
| Average earning assets | $1,648,056,600 | 432 |
| Average equity | $159,999,800 | 499 |
| Average total loans | $1,281,823,400 | 417 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1900% | 5,374 |
| Cost of funding earning assets | 0.2614% | 4,494 |
| Net interest margin | 2.9286% | 5,136 |
| Noninterest income to average assets | 0.2636% | 4,886 |
| Noninterest expense to average assets | 1.4926% | 5,768 |
| Loan and lease loss provision to assets | 0.1397% | 1,678 |
| Net operating income to assets | 0.8186% | 3,283 |
| Return on assets (ROA) | 0.8379% | 3,325 |
| Pretax return on assets | 1.3480% | 2,248 |
| Return on Equity (ROE) | 9.4250% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.4250% | 709 |
| Net charge-offs to loans | -0.0908% | 5,541 |
| Credit loss provision to net charge-offs | -217.3603% | 4,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4456% | 5,473 |
| Assets per employee ($millions) | 22.7103% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 5,411 |
| Loan loss allowance to noncurrent loans | 104.8103% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 2,538 |
| Noncurrent loans to loans | 0.6772% | 2,994 |
| Net loans and leases to total assets | 71.8963% | 2,213 |
| Net loans and leases to deposits | 82.3296% | 2,688 |
| Net loans and leases to core deposits | 95.5270% | 2,048 |
| Total domestic deposits to total assets | 87.3274% | 1,748 |
| Equity capital to assets | 9.0582% | 5,116 |
| Core capital (leverage) ratio | 8.9252% | 4,911 |
| Tier 1 risk-based capital ratio | 9.9432% | 5,806 |
| Total risk-based capital ratio | 11.3494% | 5,710 |
| Memoranda: | ||
| Average total assets | $1,744,321,000 | 450 |
| Average earning assets | $1,600,136,250 | 443 |
| Average equity | $155,073,750 | 513 |
| Average total loans | $1,234,547,000 | 432 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2280% | 5,392 |
| Cost of funding earning assets | 0.2642% | 4,510 |
| Net interest margin | 2.9638% | 5,146 |
| Noninterest income to average assets | 0.2292% | 5,113 |
| Noninterest expense to average assets | 1.4982% | 5,836 |
| Loan and lease loss provision to assets | 0.1249% | 1,829 |
| Net operating income to assets | 0.8074% | 3,278 |
| Return on assets (ROA) | 0.8028% | 3,435 |
| Pretax return on assets | 1.2890% | 2,452 |
| Return on Equity (ROE) | 9.0946% | 2,458 |
| Retained earnings to average equity (ytd only) | 9.0946% | 824 |
| Net charge-offs to loans | -0.0783% | 5,538 |
| Credit loss provision to net charge-offs | -227.3707% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1595% | 5,491 |
| Assets per employee ($millions) | 20.3703% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7628% | 5,367 |
| Loan loss allowance to noncurrent loans | 70.6499% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 1,649 |
| Noncurrent loans to loans | 1.0796% | 2,131 |
| Net loans and leases to total assets | 67.5416% | 2,858 |
| Net loans and leases to deposits | 77.1238% | 3,250 |
| Net loans and leases to core deposits | 89.7936% | 2,553 |
| Total domestic deposits to total assets | 87.5756% | 1,638 |
| Equity capital to assets | 8.8492% | 5,362 |
| Core capital (leverage) ratio | 8.2687% | 5,557 |
| Tier 1 risk-based capital ratio | 9.7761% | 5,902 |
| Total risk-based capital ratio | 11.2768% | 5,794 |
| Memoranda: | ||
| Average total assets | $1,689,874,000 | 459 |
| Average earning assets | $1,533,751,670 | 455 |
| Average equity | $149,165,000 | 532 |
| Average total loans | $1,185,615,000 | 448 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2727% | 5,370 |
| Cost of funding earning assets | 0.2435% | 4,767 |
| Net interest margin | 3.0291% | 5,045 |
| Noninterest income to average assets | 0.2153% | 5,199 |
| Noninterest expense to average assets | 1.5062% | 5,909 |
| Loan and lease loss provision to assets | 0.1562% | 1,341 |
| Net operating income to assets | 0.8244% | 3,129 |
| Return on assets (ROA) | 0.7883% | 3,410 |
| Pretax return on assets | 1.2599% | 2,470 |
| Return on Equity (ROE) | 8.9426% | 2,453 |
| Retained earnings to average equity (ytd only) | 8.9426% | 1,133 |
| Net charge-offs to loans | -0.1479% | 5,771 |
| Credit loss provision to net charge-offs | -148.1481% | 4,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4016% | 5,609 |
| Assets per employee ($millions) | 17.8422% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7554% | 5,477 |
| Loan loss allowance to noncurrent loans | 56.6761% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.6002% | 1,248 |
| Noncurrent loans to loans | 1.3329% | 1,788 |
| Net loans and leases to total assets | 71.4157% | 2,128 |
| Net loans and leases to deposits | 81.8657% | 2,562 |
| Net loans and leases to core deposits | 97.7602% | 1,653 |
| Total domestic deposits to total assets | 87.2352% | 2,080 |
| Equity capital to assets | 8.8393% | 5,308 |
| Core capital (leverage) ratio | 8.1511% | 5,684 |
| Tier 1 risk-based capital ratio | 9.5815% | 5,997 |
| Total risk-based capital ratio | 11.1527% | 5,900 |
| Memoranda: | ||
| Average total assets | $1,638,520,000 | 469 |
| Average earning assets | $1,494,811,500 | 465 |
| Average equity | $144,432,500 | 545 |
| Average total loans | $1,168,400,000 | 452 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3452% | 5,264 |
| Cost of funding earning assets | 0.2412% | 4,874 |
| Net interest margin | 3.1040% | 4,889 |
| Noninterest income to average assets | 0.2768% | 4,905 |
| Noninterest expense to average assets | 1.7594% | 5,791 |
| Loan and lease loss provision to assets | 0.0103% | 4,198 |
| Net operating income to assets | 0.8290% | 3,200 |
| Return on assets (ROA) | 0.8307% | 3,266 |
| Pretax return on assets | 1.3355% | 2,148 |
| Return on Equity (ROE) | 8.9410% | 2,484 |
| Retained earnings to average equity (ytd only) | 8.9410% | 663 |
| Net charge-offs to loans | -0.3394% | 6,028 |
| Credit loss provision to net charge-offs | -4.1246% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5177% | 5,296 |
| Assets per employee ($millions) | 16.6775% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 5,435 |
| Loan loss allowance to noncurrent loans | 53.5740% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.8177% | 1,045 |
| Noncurrent loans to loans | 1.4740% | 1,581 |
| Net loans and leases to total assets | 70.0826% | 2,352 |
| Net loans and leases to deposits | 80.5421% | 2,761 |
| Net loans and leases to core deposits | 97.5131% | 1,714 |
| Total domestic deposits to total assets | 87.0136% | 2,126 |
| Equity capital to assets | 8.7897% | 5,317 |
| Core capital (leverage) ratio | 8.6013% | 5,329 |
| Tier 1 risk-based capital ratio | 9.7968% | 5,993 |
| Total risk-based capital ratio | 10.9977% | 5,978 |
| Memoranda: | ||
| Average total assets | $1,469,443,600 | 487 |
| Average earning assets | $1,337,755,000 | 485 |
| Average equity | $136,516,600 | 553 |
| Average total loans | $1,078,775,000 | 448 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4284% | 5,144 |
| Cost of funding earning assets | 0.2400% | 4,994 |
| Net interest margin | 3.1884% | 4,707 |
| Noninterest income to average assets | 0.2893% | 4,874 |
| Noninterest expense to average assets | 1.8206% | 5,753 |
| Loan and lease loss provision to assets | 0.0036% | 4,185 |
| Net operating income to assets | 0.8396% | 3,221 |
| Return on assets (ROA) | 0.8419% | 3,295 |
| Pretax return on assets | 1.3541% | 2,198 |
| Return on Equity (ROE) | 8.9267% | 2,614 |
| Retained earnings to average equity (ytd only) | 8.9267% | 931 |
| Net charge-offs to loans | -0.2779% | 6,066 |
| Credit loss provision to net charge-offs | -1.7607% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1512% | 5,211 |
| Assets per employee ($millions) | 14.9641% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8097% | 5,491 |
| Loan loss allowance to noncurrent loans | 51.3568% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 2.2229% | 847 |
| Noncurrent loans to loans | 1.5766% | 1,580 |
| Net loans and leases to total assets | 72.7156% | 1,953 |
| Net loans and leases to deposits | 83.4668% | 2,459 |
| Net loans and leases to core deposits | 103.7222% | 1,250 |
| Total domestic deposits to total assets | 87.1192% | 1,970 |
| Equity capital to assets | 9.2596% | 5,046 |
| Core capital (leverage) ratio | 8.7846% | 5,250 |
| Tier 1 risk-based capital ratio | 9.9293% | 6,064 |
| Total risk-based capital ratio | 11.1694% | 6,025 |
| Memoranda: | ||
| Average total assets | $1,432,375,750 | 500 |
| Average earning assets | $1,296,249,250 | 504 |
| Average equity | $135,097,500 | 559 |
| Average total loans | $1,062,778,500 | 456 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,952 |
| Cost of funding earning assets | 0.2312% | 5,131 |
| Net interest margin | 3.2818% | 4,368 |
| Noninterest income to average assets | 0.2784% | 4,958 |
| Noninterest expense to average assets | 1.8066% | 5,838 |
| Loan and lease loss provision to assets | -0.0508% | 6,030 |
| Net operating income to assets | 0.9237% | 2,765 |
| Return on assets (ROA) | 0.9266% | 2,871 |
| Pretax return on assets | 1.4911% | 1,674 |
| Return on Equity (ROE) | 9.7602% | 2,179 |
| Retained earnings to average equity (ytd only) | 9.7602% | 712 |
| Net charge-offs to loans | -0.0613% | 5,620 |
| Credit loss provision to net charge-offs | 111.2150% | 1,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5166% | 5,472 |
| Assets per employee ($millions) | 14.0568% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 5,672 |
| Loan loss allowance to noncurrent loans | 47.5784% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 2.4340% | 790 |
| Noncurrent loans to loans | 1.6143% | 1,624 |
| Net loans and leases to total assets | 77.1502% | 1,191 |
| Net loans and leases to deposits | 89.1689% | 1,698 |
| Net loans and leases to core deposits | 112.4031% | 733 |
| Total domestic deposits to total assets | 86.5214% | 2,423 |
| Equity capital to assets | 9.5737% | 4,567 |
| Core capital (leverage) ratio | 8.8221% | 5,199 |
| Tier 1 risk-based capital ratio | 9.8916% | 6,121 |
| Total risk-based capital ratio | 11.1949% | 6,059 |
| Memoranda: | ||
| Average total assets | $1,406,041,670 | 506 |
| Average earning assets | $1,269,903,330 | 513 |
| Average equity | $133,480,670 | 569 |
| Average total loans | $1,047,711,670 | 464 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 4,891 |
| Cost of funding earning assets | 0.2254% | 5,266 |
| Net interest margin | 3.3028% | 4,205 |
| Noninterest income to average assets | 0.2724% | 5,000 |
| Noninterest expense to average assets | 1.8685% | 5,801 |
| Loan and lease loss provision to assets | -0.0969% | 6,206 |
| Net operating income to assets | 0.9110% | 2,695 |
| Return on assets (ROA) | 0.9165% | 2,790 |
| Pretax return on assets | 1.4714% | 1,655 |
| Return on Equity (ROE) | 9.6960% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.6960% | 992 |
| Net charge-offs to loans | 0.1385% | 1,420 |
| Credit loss provision to net charge-offs | -96.0340% | 4,480 |
| Earnings coverage of net charge-offs (x) | 13.5354% | 1,720 |
| Efficiency ratio | 57.5658% | 5,381 |
| Assets per employee ($millions) | 14.5956% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 5,724 |
| Loan loss allowance to noncurrent loans | 42.7102% | 5,221 |
| Noncurrent assets plus other real estate owned to assets | 2.7738% | 717 |
| Noncurrent loans to loans | 1.8441% | 1,459 |
| Net loans and leases to total assets | 73.1337% | 1,634 |
| Net loans and leases to deposits | 82.9317% | 2,215 |
| Net loans and leases to core deposits | 107.4514% | 848 |
| Total domestic deposits to total assets | 88.1855% | 1,715 |
| Equity capital to assets | 9.5082% | 4,743 |
| Core capital (leverage) ratio | 8.9901% | 4,966 |
| Tier 1 risk-based capital ratio | 9.9081% | 6,192 |
| Total risk-based capital ratio | 11.2303% | 6,127 |
| Memoranda: | ||
| Average total assets | $1,399,195,000 | 510 |
| Average earning assets | $1,254,829,500 | 515 |
| Average equity | $132,260,500 | 575 |
| Average total loans | $1,019,664,500 | 473 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 3,768 |
| Cost of funding earning assets | 0.3005% | 4,796 |
| Net interest margin | 3.6878% | 3,054 |
| Noninterest income to average assets | 0.3368% | 4,701 |
| Noninterest expense to average assets | 2.0608% | 5,658 |
| Loan and lease loss provision to assets | -0.0065% | 5,905 |
| Net operating income to assets | 0.9534% | 2,617 |
| Return on assets (ROA) | 0.9531% | 2,695 |
| Pretax return on assets | 1.5476% | 1,393 |
| Return on Equity (ROE) | 10.3328% | 1,975 |
| Retained earnings to average equity (ytd only) | -12.0633% | 6,349 |
| Net charge-offs to loans | -0.2696% | 6,319 |
| Credit loss provision to net charge-offs | 3.3474% | 4,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1792% | 5,651 |
| Assets per employee ($millions) | 15.1936% | 79 |
| Cash dividends to net income (ytd only)* | 216.7473% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 5,359 |
| Loan loss allowance to noncurrent loans | 46.2615% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 3.2277% | 597 |
| Noncurrent loans to loans | 2.0162% | 1,377 |
| Net loans and leases to total assets | 71.3440% | 2,025 |
| Net loans and leases to deposits | 82.6711% | 2,389 |
| Net loans and leases to core deposits | 109.2481% | 814 |
| Total domestic deposits to total assets | 86.2986% | 2,674 |
| Equity capital to assets | 9.3957% | 4,849 |
| Core capital (leverage) ratio | 8.8996% | 5,122 |
| Tier 1 risk-based capital ratio | 10.2425% | 6,195 |
| Total risk-based capital ratio | 11.0771% | 6,265 |
| Memoranda: | ||
| Average total assets | $1,452,204,400 | 481 |
| Average earning assets | $1,285,916,000 | 488 |
| Average equity | $133,952,000 | 537 |
| Average total loans | $1,052,848,600 | 438 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0909% | 3,418 |
| Cost of funding earning assets | 0.3176% | 4,698 |
| Net interest margin | 3.7732% | 2,721 |
| Noninterest income to average assets | 0.3535% | 4,613 |
| Noninterest expense to average assets | 2.1479% | 5,465 |
| Loan and lease loss provision to assets | -0.1035% | 6,281 |
| Net operating income to assets | 1.0115% | 2,400 |
| Return on assets (ROA) | 1.0111% | 2,459 |
| Pretax return on assets | 1.6441% | 1,199 |
| Return on Equity (ROE) | 11.0101% | 1,786 |
| Retained earnings to average equity (ytd only) | -18.6268% | 6,479 |
| Net charge-offs to loans | -0.2526% | 6,354 |
| Credit loss provision to net charge-offs | 56.4293% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9598% | 5,562 |
| Assets per employee ($millions) | 15.3223% | 78 |
| Cash dividends to net income (ytd only)* | 269.1790% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8115% | 5,844 |
| Loan loss allowance to noncurrent loans | 35.4925% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 3.4035% | 638 |
| Noncurrent loans to loans | 2.2864% | 1,308 |
| Net loans and leases to total assets | 73.8990% | 1,543 |
| Net loans and leases to deposits | 84.6079% | 2,073 |
| Net loans and leases to core deposits | 116.7725% | 475 |
| Total domestic deposits to total assets | 87.3428% | 2,128 |
| Equity capital to assets | 9.5844% | 4,688 |
| Core capital (leverage) ratio | 8.7084% | 5,425 |
| Tier 1 risk-based capital ratio | 10.5126% | 6,209 |
| Total risk-based capital ratio | 11.2695% | 6,307 |
| Memoranda: | ||
| Average total assets | $1,469,600,750 | 470 |
| Average earning assets | $1,299,152,750 | 486 |
| Average equity | $134,963,250 | 536 |
| Average total loans | $1,067,135,000 | 432 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1589% | 3,107 |
| Cost of funding earning assets | 0.3340% | 4,598 |
| Net interest margin | 3.8249% | 2,465 |
| Noninterest income to average assets | 0.3477% | 4,647 |
| Noninterest expense to average assets | 2.2693% | 5,232 |
| Loan and lease loss provision to assets | -0.2147% | 6,484 |
| Net operating income to assets | 1.0275% | 2,216 |
| Return on assets (ROA) | 1.0263% | 2,283 |
| Pretax return on assets | 1.6678% | 1,093 |
| Return on Equity (ROE) | 11.3179% | 1,626 |
| Retained earnings to average equity (ytd only) | -32.2068% | 6,593 |
| Net charge-offs to loans | -0.1652% | 6,301 |
| Credit loss provision to net charge-offs | 180.3315% | 1,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5097% | 5,361 |
| Assets per employee ($millions) | 14.6098% | 81 |
| Cash dividends to net income (ytd only)* | 384.5661% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7805% | 6,024 |
| Loan loss allowance to noncurrent loans | 25.5515% | 5,892 |
| Noncurrent assets plus other real estate owned to assets | 3.9590% | 542 |
| Noncurrent loans to loans | 3.0545% | 938 |
| Net loans and leases to total assets | 68.0065% | 2,413 |
| Net loans and leases to deposits | 80.0821% | 2,503 |
| Net loans and leases to core deposits | 108.2600% | 757 |
| Total domestic deposits to total assets | 84.9210% | 3,553 |
| Equity capital to assets | 9.2456% | 5,044 |
| Core capital (leverage) ratio | 7.3219% | 6,365 |
| Tier 1 risk-based capital ratio | 10.6817% | 6,186 |
| Total risk-based capital ratio | 11.3947% | 6,314 |
| Memoranda: | ||
| Average total assets | $1,520,227,330 | 453 |
| Average earning assets | $1,341,994,330 | 468 |
| Average equity | $137,852,670 | 529 |
| Average total loans | $1,095,597,000 | 421 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0145% | 3,624 |
| Cost of funding earning assets | 0.3421% | 4,623 |
| Net interest margin | 3.6724% | 2,983 |
| Noninterest income to average assets | 0.3184% | 4,829 |
| Noninterest expense to average assets | 2.1822% | 5,501 |
| Loan and lease loss provision to assets | -0.3018% | 6,616 |
| Net operating income to assets | 1.0394% | 2,042 |
| Return on assets (ROA) | 1.0399% | 2,116 |
| Pretax return on assets | 1.6893% | 995 |
| Return on Equity (ROE) | 11.5607% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.5607% | 666 |
| Net charge-offs to loans | -0.6880% | 6,590 |
| Credit loss provision to net charge-offs | 59.6672% | 2,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6601% | 5,445 |
| Assets per employee ($millions) | 10.6334% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7906% | 6,128 |
| Loan loss allowance to noncurrent loans | 28.0367% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 4.2237% | 536 |
| Noncurrent loans to loans | 2.8197% | 1,170 |
| Net loans and leases to total assets | 72.2928% | 1,538 |
| Net loans and leases to deposits | 86.1687% | 1,587 |
| Net loans and leases to core deposits | 107.3861% | 697 |
| Total domestic deposits to total assets | 83.8968% | 4,308 |
| Equity capital to assets | 9.1617% | 4,920 |
| Core capital (leverage) ratio | 8.5518% | 5,582 |
| Tier 1 risk-based capital ratio | 10.5329% | 6,322 |
| Total risk-based capital ratio | 11.2704% | 6,446 |
| Memoranda: | ||
| Average total assets | $1,615,596,000 | 435 |
| Average earning assets | $1,430,006,000 | 443 |
| Average equity | $145,319,500 | 509 |
| Average total loans | $1,187,769,500 | 386 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 2,933 |
| Cost of funding earning assets | 0.3949% | 4,705 |
| Net interest margin | 3.9127% | 2,245 |
| Noninterest income to average assets | 0.6424% | 2,848 |
| Noninterest expense to average assets | 2.1887% | 5,656 |
| Loan and lease loss provision to assets | 0.1010% | 3,114 |
| Net operating income to assets | 1.0735% | 2,018 |
| Return on assets (ROA) | 1.0481% | 2,193 |
| Pretax return on assets | 1.7081% | 932 |
| Return on Equity (ROE) | 12.2330% | 1,343 |
| Retained earnings to average equity (ytd only) | 3.2418% | 3,923 |
| Net charge-offs to loans | 0.2129% | 2,756 |
| Credit loss provision to net charge-offs | 66.0474% | 3,403 |
| Earnings coverage of net charge-offs (x) | 12.0949% | 2,167 |
| Efficiency ratio | 52.8693% | 6,225 |
| Assets per employee ($millions) | 10.4864% | 201 |
| Cash dividends to net income (ytd only)* | 73.4997% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9023% | 5,921 |
| Loan loss allowance to noncurrent loans | 27.6271% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 4.9483% | 480 |
| Noncurrent loans to loans | 3.2662% | 1,021 |
| Net loans and leases to total assets | 73.5003% | 1,434 |
| Net loans and leases to deposits | 88.3701% | 1,425 |
| Net loans and leases to core deposits | 104.2289% | 891 |
| Total domestic deposits to total assets | 83.1733% | 4,481 |
| Equity capital to assets | 8.8277% | 5,225 |
| Core capital (leverage) ratio | 8.1353% | 6,026 |
| Tier 1 risk-based capital ratio | 10.1062% | 6,487 |
| Total risk-based capital ratio | 10.9450% | 6,556 |
| Memoranda: | ||
| Average total assets | $1,655,153,600 | 418 |
| Average earning assets | $1,436,201,400 | 429 |
| Average equity | $141,804,600 | 514 |
| Average total loans | $1,188,367,600 | 375 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 2,661 |
| Cost of funding earning assets | 0.4041% | 4,791 |
| Net interest margin | 3.9733% | 2,030 |
| Noninterest income to average assets | 0.7698% | 2,283 |
| Noninterest expense to average assets | 2.2265% | 5,542 |
| Loan and lease loss provision to assets | 0.1718% | 2,115 |
| Net operating income to assets | 1.1050% | 1,986 |
| Return on assets (ROA) | 1.1049% | 2,061 |
| Pretax return on assets | 1.8022% | 906 |
| Return on Equity (ROE) | 12.9926% | 1,233 |
| Retained earnings to average equity (ytd only) | 0.9886% | 5,582 |
| Net charge-offs to loans | 0.3290% | 1,898 |
| Credit loss provision to net charge-offs | 73.3174% | 2,995 |
| Earnings coverage of net charge-offs (x) | 8.4236% | 2,625 |
| Efficiency ratio | 51.7116% | 6,273 |
| Assets per employee ($millions) | 10.4008% | 209 |
| Cash dividends to net income (ytd only)* | 92.3913% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 5,723 |
| Loan loss allowance to noncurrent loans | 24.0814% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 5.8121% | 429 |
| Noncurrent loans to loans | 4.1486% | 839 |
| Net loans and leases to total assets | 70.7174% | 1,835 |
| Net loans and leases to deposits | 83.6471% | 1,922 |
| Net loans and leases to core deposits | 103.3611% | 913 |
| Total domestic deposits to total assets | 84.5426% | 3,954 |
| Equity capital to assets | 8.5653% | 5,665 |
| Core capital (leverage) ratio | 7.8639% | 6,294 |
| Tier 1 risk-based capital ratio | 10.2228% | 6,532 |
| Total risk-based capital ratio | 11.1709% | 6,583 |
| Memoranda: | ||
| Average total assets | $1,665,215,000 | 416 |
| Average earning assets | $1,437,893,250 | 430 |
| Average equity | $141,615,750 | 521 |
| Average total loans | $1,186,016,750 | 376 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4314% | 2,452 |
| Cost of funding earning assets | 0.4162% | 4,795 |
| Net interest margin | 4.0152% | 1,807 |
| Noninterest income to average assets | 1.0092% | 1,511 |
| Noninterest expense to average assets | 2.2794% | 5,424 |
| Loan and lease loss provision to assets | 0.3757% | 864 |
| Net operating income to assets | 1.1101% | 1,896 |
| Return on assets (ROA) | 1.1099% | 2,010 |
| Pretax return on assets | 1.8103% | 906 |
| Return on Equity (ROE) | 13.0817% | 1,226 |
| Retained earnings to average equity (ytd only) | -0.2799% | 5,910 |
| Net charge-offs to loans | 0.7782% | 813 |
| Credit loss provision to net charge-offs | 67.8448% | 2,874 |
| Earnings coverage of net charge-offs (x) | 3.9483% | 3,257 |
| Efficiency ratio | 49.8143% | 6,443 |
| Assets per employee ($millions) | 10.6883% | 183 |
| Cash dividends to net income (ytd only)* | 102.1396% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 5,649 |
| Loan loss allowance to noncurrent loans | 31.5913% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 5.5262% | 528 |
| Noncurrent loans to loans | 3.3115% | 1,318 |
| Net loans and leases to total assets | 70.6646% | 1,773 |
| Net loans and leases to deposits | 83.9205% | 1,811 |
| Net loans and leases to core deposits | 103.2571% | 870 |
| Total domestic deposits to total assets | 84.2042% | 4,236 |
| Equity capital to assets | 8.2296% | 6,038 |
| Core capital (leverage) ratio | 7.5999% | 6,417 |
| Tier 1 risk-based capital ratio | 10.2436% | 6,578 |
| Total risk-based capital ratio | 11.5868% | 6,529 |
| Memoranda: | ||
| Average total assets | $1,675,976,000 | 414 |
| Average earning assets | $1,442,711,670 | 431 |
| Average equity | $142,199,000 | 521 |
| Average total loans | $1,192,549,000 | 371 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6717% | 1,616 |
| Cost of funding earning assets | 0.4282% | 4,833 |
| Net interest margin | 4.2435% | 1,089 |
| Noninterest income to average assets | 1.2820% | 926 |
| Noninterest expense to average assets | 2.6383% | 4,283 |
| Loan and lease loss provision to assets | 0.1862% | 1,984 |
| Net operating income to assets | 1.2845% | 1,324 |
| Return on assets (ROA) | 1.2841% | 1,425 |
| Pretax return on assets | 2.0992% | 493 |
| Return on Equity (ROE) | 14.9086% | 788 |
| Retained earnings to average equity (ytd only) | 2.3920% | 4,833 |
| Net charge-offs to loans | 0.6692% | 913 |
| Credit loss provision to net charge-offs | 39.1633% | 2,757 |
| Earnings coverage of net charge-offs (x) | 4.8090% | 2,471 |
| Efficiency ratio | 52.4595% | 6,350 |
| Assets per employee ($millions) | 10.6056% | 190 |
| Cash dividends to net income (ytd only)* | 83.9552% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0585% | 5,762 |
| Loan loss allowance to noncurrent loans | 23.6081% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 5.1061% | 705 |
| Noncurrent loans to loans | 4.4835% | 926 |
| Net loans and leases to total assets | 70.6556% | 1,556 |
| Net loans and leases to deposits | 84.4361% | 1,540 |
| Net loans and leases to core deposits | 103.8363% | 724 |
| Total domestic deposits to total assets | 83.6794% | 4,602 |
| Equity capital to assets | 8.6022% | 5,916 |
| Core capital (leverage) ratio | 7.7047% | 6,351 |
| Tier 1 risk-based capital ratio | 10.7817% | 6,494 |
| Total risk-based capital ratio | 12.0441% | 6,459 |
| Memoranda: | ||
| Average total assets | $1,669,589,500 | 422 |
| Average earning assets | $1,432,954,500 | 435 |
| Average equity | $143,810,000 | 522 |
| Average total loans | $1,185,842,000 | 374 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4273% | 723 |
| Cost of funding earning assets | 0.5210% | 5,066 |
| Net interest margin | 4.9062% | 443 |
| Noninterest income to average assets | 0.3569% | 4,922 |
| Noninterest expense to average assets | 2.3117% | 5,663 |
| Loan and lease loss provision to assets | 0.4003% | 1,622 |
| Net operating income to assets | 0.9650% | 2,480 |
| Return on assets (ROA) | 0.9903% | 2,603 |
| Pretax return on assets | 1.6224% | 1,326 |
| Return on Equity (ROE) | 11.3242% | 1,705 |
| Retained earnings to average equity (ytd only) | -8.2566% | 6,584 |
| Net charge-offs to loans | 1.1249% | 926 |
| Credit loss provision to net charge-offs | 53.9373% | 4,600 |
| Earnings coverage of net charge-offs (x) | 2.6720% | 4,094 |
| Efficiency ratio | 52.4832% | 6,424 |
| Assets per employee ($millions) | 10.5284% | 195 |
| Cash dividends to net income (ytd only)* | 172.9107% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 5,216 |
| Loan loss allowance to noncurrent loans | 23.7271% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 5.8118% | 609 |
| Noncurrent loans to loans | 4.9691% | 809 |
| Net loans and leases to total assets | 69.8048% | 1,882 |
| Net loans and leases to deposits | 83.9190% | 1,764 |
| Net loans and leases to core deposits | 100.0783% | 1,020 |
| Total domestic deposits to total assets | 83.1811% | 4,643 |
| Equity capital to assets | 8.6249% | 5,938 |
| Core capital (leverage) ratio | 7.5195% | 6,492 |
| Tier 1 risk-based capital ratio | 10.9762% | 6,354 |
| Total risk-based capital ratio | 12.2397% | 6,312 |
| Memoranda: | ||
| Average total assets | $1,751,990,800 | 393 |
| Average earning assets | $1,406,270,600 | 431 |
| Average equity | $153,211,600 | 478 |
| Average total loans | $1,155,990,400 | 380 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5295% | 643 |
| Cost of funding earning assets | 0.5349% | 5,215 |
| Net interest margin | 4.9946% | 410 |
| Noninterest income to average assets | 0.3613% | 4,932 |
| Noninterest expense to average assets | 2.3394% | 5,574 |
| Loan and lease loss provision to assets | 0.4835% | 1,279 |
| Net operating income to assets | 0.9158% | 2,903 |
| Return on assets (ROA) | 0.9260% | 3,072 |
| Pretax return on assets | 1.5166% | 1,818 |
| Return on Equity (ROE) | 10.5545% | 2,114 |
| Retained earnings to average equity (ytd only) | -5.7214% | 6,660 |
| Net charge-offs to loans | 0.9932% | 1,070 |
| Credit loss provision to net charge-offs | 75.0117% | 3,769 |
| Earnings coverage of net charge-offs (x) | 3.0786% | 3,794 |
| Efficiency ratio | 52.7673% | 6,379 |
| Assets per employee ($millions) | 10.5626% | 198 |
| Cash dividends to net income (ytd only)* | 154.2083% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 4,184 |
| Loan loss allowance to noncurrent loans | 19.5993% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 6.7248% | 545 |
| Noncurrent loans to loans | 7.3599% | 475 |
| Net loans and leases to total assets | 68.7030% | 2,172 |
| Net loans and leases to deposits | 82.6734% | 2,033 |
| Net loans and leases to core deposits | 99.4667% | 1,162 |
| Total domestic deposits to total assets | 83.1018% | 4,605 |
| Equity capital to assets | 8.8179% | 6,006 |
| Core capital (leverage) ratio | 7.7068% | 6,527 |
| Tier 1 risk-based capital ratio | 11.9180% | 5,981 |
| Total risk-based capital ratio | 13.1842% | 5,961 |
| Memoranda: | ||
| Average total assets | $1,774,116,000 | 389 |
| Average earning assets | $1,407,425,500 | 431 |
| Average equity | $155,646,000 | 476 |
| Average total loans | $1,151,225,500 | 379 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6193% | 558 |
| Cost of funding earning assets | 0.5470% | 5,326 |
| Net interest margin | 5.0723% | 358 |
| Noninterest income to average assets | 0.3909% | 4,721 |
| Noninterest expense to average assets | 2.3201% | 5,676 |
| Loan and lease loss provision to assets | 0.5341% | 1,164 |
| Net operating income to assets | 0.9340% | 2,744 |
| Return on assets (ROA) | 0.9437% | 2,949 |
| Pretax return on assets | 1.5462% | 1,721 |
| Return on Equity (ROE) | 10.7742% | 2,066 |
| Retained earnings to average equity (ytd only) | 1.8877% | 5,259 |
| Net charge-offs to loans | 1.4364% | 705 |
| Credit loss provision to net charge-offs | 58.6733% | 3,835 |
| Earnings coverage of net charge-offs (x) | 2.2686% | 3,862 |
| Efficiency ratio | 51.5519% | 6,536 |
| Assets per employee ($millions) | 10.8136% | 187 |
| Cash dividends to net income (ytd only)* | 82.4791% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 4,674 |
| Loan loss allowance to noncurrent loans | 13.1402% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 8.1415% | 418 |
| Noncurrent loans to loans | 10.2574% | 251 |
| Net loans and leases to total assets | 66.8609% | 2,493 |
| Net loans and leases to deposits | 82.4801% | 2,048 |
| Net loans and leases to core deposits | 99.1017% | 1,164 |
| Total domestic deposits to total assets | 81.0631% | 5,445 |
| Equity capital to assets | 9.1083% | 5,574 |
| Core capital (leverage) ratio | 8.0372% | 6,234 |
| Tier 1 risk-based capital ratio | 13.0846% | 5,124 |
| Total risk-based capital ratio | 14.3505% | 5,097 |
| Memoranda: | ||
| Average total assets | $1,798,627,670 | 390 |
| Average earning assets | $1,416,363,670 | 430 |
| Average equity | $157,542,670 | 467 |
| Average total loans | $1,139,817,000 | 383 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6714% | 545 |
| Cost of funding earning assets | 0.5790% | 5,289 |
| Net interest margin | 5.0924% | 345 |
| Noninterest income to average assets | 0.3911% | 4,733 |
| Noninterest expense to average assets | 2.3799% | 5,539 |
| Loan and lease loss provision to assets | 0.6106% | 930 |
| Net operating income to assets | 0.8339% | 3,225 |
| Return on assets (ROA) | 0.8332% | 3,463 |
| Pretax return on assets | 1.3692% | 2,290 |
| Return on Equity (ROE) | 9.6953% | 2,519 |
| Retained earnings to average equity (ytd only) | 9.6953% | 1,356 |
| Net charge-offs to loans | 1.6240% | 605 |
| Credit loss provision to net charge-offs | 61.3462% | 3,088 |
| Earnings coverage of net charge-offs (x) | 1.9901% | 3,346 |
| Efficiency ratio | 53.1378% | 6,422 |
| Assets per employee ($millions) | 11.1188% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 5,431 |
| Loan loss allowance to noncurrent loans | 10.1381% | 6,749 |
| Noncurrent assets plus other real estate owned to assets | 9.1714% | 379 |
| Noncurrent loans to loans | 11.9597% | 206 |
| Net loans and leases to total assets | 64.3966% | 2,789 |
| Net loans and leases to deposits | 79.1702% | 2,316 |
| Net loans and leases to core deposits | 94.4318% | 1,427 |
| Total domestic deposits to total assets | 81.3395% | 5,515 |
| Equity capital to assets | 8.9610% | 5,554 |
| Core capital (leverage) ratio | 7.7055% | 6,481 |
| Tier 1 risk-based capital ratio | 14.0596% | 4,432 |
| Total risk-based capital ratio | 15.3173% | 4,387 |
| Memoranda: | ||
| Average total assets | $1,832,857,000 | 380 |
| Average earning assets | $1,428,784,000 | 425 |
| Average equity | $157,519,500 | 464 |
| Average total loans | $1,123,419,500 | 383 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 2,105 |
| Cost of funding earning assets | 0.7778% | 5,018 |
| Net interest margin | 4.4126% | 1,368 |
| Noninterest income to average assets | 2.2434% | 316 |
| Noninterest expense to average assets | 2.4590% | 5,605 |
| Loan and lease loss provision to assets | 0.4474% | 2,366 |
| Net operating income to assets | 1.7556% | 503 |
| Return on assets (ROA) | 1.7586% | 535 |
| Pretax return on assets | 2.8932% | 135 |
| Return on Equity (ROE) | 22.0348% | 180 |
| Retained earnings to average equity (ytd only) | 14.5210% | 151 |
| Net charge-offs to loans | 0.9778% | 1,766 |
| Credit loss provision to net charge-offs | 75.8130% | 4,645 |
| Earnings coverage of net charge-offs (x) | 5.6532% | 2,717 |
| Efficiency ratio | 41.3740% | 7,183 |
| Assets per employee ($millions) | 9.8266% | 249 |
| Cash dividends to net income (ytd only)* | 34.1000% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1182% | 5,748 |
| Loan loss allowance to noncurrent loans | 8.5896% | 6,832 |
| Noncurrent assets plus other real estate owned to assets | 9.3141% | 377 |
| Noncurrent loans to loans | 13.0184% | 169 |
| Net loans and leases to total assets | 56.9776% | 4,548 |
| Net loans and leases to deposits | 69.4095% | 4,215 |
| Net loans and leases to core deposits | 84.2756% | 2,857 |
| Total domestic deposits to total assets | 82.0891% | 5,099 |
| Equity capital to assets | 8.2483% | 6,390 |
| Core capital (leverage) ratio | 7.2018% | 6,789 |
| Tier 1 risk-based capital ratio | 13.4054% | 4,767 |
| Total risk-based capital ratio | 14.6682% | 4,723 |
| Memoranda: | ||
| Average total assets | $1,500,814,200 | 444 |
| Average earning assets | $1,207,937,600 | 491 |
| Average equity | $119,778,600 | 580 |
| Average total loans | $905,680,600 | 463 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 3,713 |
| Cost of funding earning assets | 0.8134% | 5,062 |
| Net interest margin | 4.0501% | 2,691 |
| Noninterest income to average assets | 3.0789% | 209 |
| Noninterest expense to average assets | 2.3882% | 5,795 |
| Loan and lease loss provision to assets | 0.3710% | 2,629 |
| Net operating income to assets | 2.2248% | 246 |
| Return on assets (ROA) | 2.2286% | 264 |
| Pretax return on assets | 3.6715% | 99 |
| Return on Equity (ROE) | 28.2415% | 71 |
| Retained earnings to average equity (ytd only) | 17.4131% | 129 |
| Net charge-offs to loans | 0.2077% | 4,139 |
| Credit loss provision to net charge-offs | 291.6418% | 983 |
| Earnings coverage of net charge-offs (x) | 31.7291% | 898 |
| Efficiency ratio | 36.2637% | 7,313 |
| Assets per employee ($millions) | 9.7054% | 275 |
| Cash dividends to net income (ytd only)* | 38.3419% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 5,022 |
| Loan loss allowance to noncurrent loans | 9.6743% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 9.3586% | 404 |
| Noncurrent loans to loans | 13.4149% | 185 |
| Net loans and leases to total assets | 54.6569% | 5,064 |
| Net loans and leases to deposits | 66.1760% | 4,877 |
| Net loans and leases to core deposits | 80.8973% | 3,501 |
| Total domestic deposits to total assets | 82.5932% | 4,837 |
| Equity capital to assets | 7.7913% | 6,805 |
| Core capital (leverage) ratio | 6.9830% | 6,966 |
| Tier 1 risk-based capital ratio | 13.1605% | 4,981 |
| Total risk-based capital ratio | 14.4256% | 4,943 |
| Memoranda: | ||
| Average total assets | $1,404,340,750 | 478 |
| Average earning assets | $1,160,133,750 | 510 |
| Average equity | $110,817,750 | 628 |
| Average total loans | $860,311,250 | 489 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 5,117 |
| Cost of funding earning assets | 0.7739% | 5,541 |
| Net interest margin | 3.7908% | 3,826 |
| Noninterest income to average assets | 0.5509% | 3,471 |
| Noninterest expense to average assets | 2.3005% | 6,129 |
| Loan and lease loss provision to assets | 0.4983% | 1,972 |
| Net operating income to assets | 0.6403% | 3,852 |
| Return on assets (ROA) | 0.6460% | 3,944 |
| Pretax return on assets | 1.0754% | 2,954 |
| Return on Equity (ROE) | 8.1314% | 2,887 |
| Retained earnings to average equity (ytd only) | -10.5043% | 6,901 |
| Net charge-offs to loans | 0.3092% | 3,326 |
| Credit loss provision to net charge-offs | 250.1239% | 1,205 |
| Earnings coverage of net charge-offs (x) | 7.8547% | 2,152 |
| Efficiency ratio | 58.2908% | 6,125 |
| Assets per employee ($millions) | 9.0835% | 319 |
| Cash dividends to net income (ytd only)* | 229.1826% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,807 |
| Loan loss allowance to noncurrent loans | 17.1609% | 6,804 |
| Noncurrent assets plus other real estate owned to assets | 6.6410% | 795 |
| Noncurrent loans to loans | 7.8949% | 579 |
| Net loans and leases to total assets | 65.6518% | 3,108 |
| Net loans and leases to deposits | 77.6222% | 3,193 |
| Net loans and leases to core deposits | 109.4413% | 737 |
| Total domestic deposits to total assets | 84.5786% | 4,088 |
| Equity capital to assets | 7.9193% | 6,737 |
| Core capital (leverage) ratio | 6.7382% | 7,070 |
| Tier 1 risk-based capital ratio | 9.9720% | 6,985 |
| Total risk-based capital ratio | 11.2235% | 6,988 |
| Memoranda: | ||
| Average total assets | $1,215,724,670 | 549 |
| Average earning assets | $1,062,955,330 | 565 |
| Average equity | $96,589,000 | 707 |
| Average total loans | $783,414,000 | 537 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 5,021 |
| Cost of funding earning assets | 0.8046% | 5,556 |
| Net interest margin | 3.7781% | 3,717 |
| Noninterest income to average assets | 0.7598% | 2,220 |
| Noninterest expense to average assets | 2.4372% | 5,775 |
| Loan and lease loss provision to assets | 0.4522% | 1,951 |
| Net operating income to assets | 0.6686% | 3,667 |
| Return on assets (ROA) | 0.6686% | 3,737 |
| Pretax return on assets | 1.1554% | 2,537 |
| Return on Equity (ROE) | 8.4010% | 2,741 |
| Retained earnings to average equity (ytd only) | -29.2528% | 7,283 |
| Net charge-offs to loans | 0.1551% | 3,554 |
| Credit loss provision to net charge-offs | 460.3390% | 765 |
| Earnings coverage of net charge-offs (x) | 16.3661% | 1,270 |
| Efficiency ratio | 59.0797% | 6,121 |
| Assets per employee ($millions) | 8.7857% | 347 |
| Cash dividends to net income (ytd only)* | 448.2072% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1396% | 5,887 |
| Loan loss allowance to noncurrent loans | 13.3422% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 6.8470% | 796 |
| Noncurrent loans to loans | 8.5416% | 543 |
| Net loans and leases to total assets | 63.5562% | 3,528 |
| Net loans and leases to deposits | 72.1781% | 4,047 |
| Net loans and leases to core deposits | 99.0240% | 1,428 |
| Total domestic deposits to total assets | 88.0547% | 2,345 |
| Equity capital to assets | 7.5987% | 6,814 |
| Core capital (leverage) ratio | 6.3240% | 7,204 |
| Tier 1 risk-based capital ratio | 10.3819% | 6,875 |
| Total risk-based capital ratio | 11.5965% | 6,872 |
| Memoranda: | ||
| Average total assets | $1,201,365,500 | 557 |
| Average earning assets | $1,044,555,500 | 578 |
| Average equity | $95,608,000 | 707 |
| Average total loans | $761,011,000 | 564 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4572% | 6,504 |
| Cost of funding earning assets | 0.9777% | 5,797 |
| Net interest margin | 3.4794% | 5,325 |
| Noninterest income to average assets | 1.4285% | 703 |
| Noninterest expense to average assets | 2.1191% | 6,803 |
| Loan and lease loss provision to assets | 0.3966% | 3,736 |
| Net operating income to assets | 1.2765% | 1,233 |
| Return on assets (ROA) | 1.3310% | 1,177 |
| Pretax return on assets | 2.1386% | 365 |
| Return on Equity (ROE) | 16.2090% | 560 |
| Retained earnings to average equity (ytd only) | 13.8779% | 167 |
| Net charge-offs to loans | 0.5516% | 3,408 |
| Credit loss provision to net charge-offs | 111.2483% | 3,946 |
| Earnings coverage of net charge-offs (x) | 6.8725% | 2,253 |
| Efficiency ratio | 45.3782% | 7,378 |
| Assets per employee ($millions) | 9.0175% | 336 |
| Cash dividends to net income (ytd only)* | 14.3812% | 3,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 7,043 |
| Loan loss allowance to noncurrent loans | 7.6493% | 7,106 |
| Noncurrent assets plus other real estate owned to assets | 6.8447% | 811 |
| Noncurrent loans to loans | 9.9469% | 432 |
| Net loans and leases to total assets | 61.9099% | 4,304 |
| Net loans and leases to deposits | 70.6797% | 4,732 |
| Net loans and leases to core deposits | 94.8904% | 2,148 |
| Total domestic deposits to total assets | 87.5922% | 2,491 |
| Equity capital to assets | 8.3246% | 6,115 |
| Core capital (leverage) ratio | 7.1089% | 6,968 |
| Tier 1 risk-based capital ratio | 11.4657% | 5,935 |
| Total risk-based capital ratio | 12.2480% | 6,303 |
| Memoranda: | ||
| Average total assets | $1,044,854,600 | 644 |
| Average earning assets | $943,110,000 | 643 |
| Average equity | $85,798,000 | 776 |
| Average total loans | $675,299,200 | 650 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 6,616 |
| Cost of funding earning assets | 1.0106% | 5,890 |
| Net interest margin | 3.4843% | 5,364 |
| Noninterest income to average assets | 1.7847% | 460 |
| Noninterest expense to average assets | 1.9916% | 7,063 |
| Loan and lease loss provision to assets | 0.5132% | 2,892 |
| Net operating income to assets | 1.5276% | 871 |
| Return on assets (ROA) | 1.6021% | 812 |
| Pretax return on assets | 2.5783% | 204 |
| Return on Equity (ROE) | 19.5900% | 330 |
| Retained earnings to average equity (ytd only) | 16.3568% | 155 |
| Net charge-offs to loans | 0.5789% | 3,004 |
| Credit loss provision to net charge-offs | 135.7817% | 2,958 |
| Earnings coverage of net charge-offs (x) | 7.8713% | 2,251 |
| Efficiency ratio | 39.2062% | 7,598 |
| Assets per employee ($millions) | 8.4455% | 427 |
| Cash dividends to net income (ytd only)* | 16.5044% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8195% | 6,960 |
| Loan loss allowance to noncurrent loans | 6.0236% | 7,225 |
| Noncurrent assets plus other real estate owned to assets | 9.7770% | 428 |
| Noncurrent loans to loans | 13.6041% | 202 |
| Net loans and leases to total assets | 63.5645% | 4,209 |
| Net loans and leases to deposits | 73.0593% | 4,678 |
| Net loans and leases to core deposits | 92.0694% | 2,786 |
| Total domestic deposits to total assets | 87.0039% | 2,529 |
| Equity capital to assets | 8.2107% | 6,604 |
| Core capital (leverage) ratio | 6.7877% | 7,254 |
| Tier 1 risk-based capital ratio | 11.1509% | 6,241 |
| Total risk-based capital ratio | 12.0162% | 6,558 |
| Memoranda: | ||
| Average total assets | $1,008,490,750 | 655 |
| Average earning assets | $921,013,000 | 648 |
| Average equity | $82,475,500 | 800 |
| Average total loans | $658,481,500 | 660 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 6,951 |
| Cost of funding earning assets | 1.0446% | 5,945 |
| Net interest margin | 3.3258% | 5,922 |
| Noninterest income to average assets | 1.2529% | 825 |
| Noninterest expense to average assets | 1.8522% | 7,330 |
| Loan and lease loss provision to assets | 0.5141% | 2,743 |
| Net operating income to assets | 1.2304% | 1,483 |
| Return on assets (ROA) | 1.2421% | 1,507 |
| Pretax return on assets | 1.9949% | 607 |
| Return on Equity (ROE) | 15.2141% | 816 |
| Retained earnings to average equity (ytd only) | 10.0445% | 837 |
| Net charge-offs to loans | 0.5289% | 2,951 |
| Credit loss provision to net charge-offs | 147.7259% | 2,673 |
| Earnings coverage of net charge-offs (x) | 7.1571% | 2,354 |
| Efficiency ratio | 41.6638% | 7,604 |
| Assets per employee ($millions) | 9.6232% | 281 |
| Cash dividends to net income (ytd only)* | 33.9789% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8363% | 6,947 |
| Loan loss allowance to noncurrent loans | 12.7909% | 7,201 |
| Noncurrent assets plus other real estate owned to assets | 4.9366% | 1,313 |
| Noncurrent loans to loans | 6.5386% | 911 |
| Net loans and leases to total assets | 68.6668% | 3,204 |
| Net loans and leases to deposits | 78.5155% | 3,883 |
| Net loans and leases to core deposits | 101.1102% | 1,910 |
| Total domestic deposits to total assets | 87.4563% | 2,283 |
| Equity capital to assets | 7.9706% | 6,784 |
| Core capital (leverage) ratio | 6.6700% | 7,327 |
| Tier 1 risk-based capital ratio | 10.3147% | 6,826 |
| Total risk-based capital ratio | 11.2598% | 7,000 |
| Memoranda: | ||
| Average total assets | $947,715,000 | 703 |
| Average earning assets | $880,501,000 | 680 |
| Average equity | $77,375,670 | 848 |
| Average total loans | $623,578,330 | 720 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0735% | 7,401 |
| Cost of funding earning assets | 1.1043% | 5,886 |
| Net interest margin | 2.9692% | 6,897 |
| Noninterest income to average assets | 0.2195% | 6,392 |
| Noninterest expense to average assets | 1.7124% | 7,568 |
| Loan and lease loss provision to assets | 0.4373% | 2,776 |
| Net operating income to assets | 0.5263% | 4,257 |
| Return on assets (ROA) | 0.5504% | 4,272 |
| Pretax return on assets | 0.8693% | 3,584 |
| Return on Equity (ROE) | 6.6502% | 3,540 |
| Retained earnings to average equity (ytd only) | -4.0673% | 6,502 |
| Net charge-offs to loans | 0.6123% | 2,285 |
| Credit loss provision to net charge-offs | 111.9183% | 3,094 |
| Earnings coverage of net charge-offs (x) | 3.2474% | 2,972 |
| Efficiency ratio | 56.1143% | 6,748 |
| Assets per employee ($millions) | 12.0670% | 169 |
| Cash dividends to net income (ytd only)* | 161.1604% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 6,778 |
| Loan loss allowance to noncurrent loans | 198.9560% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 6,202 |
| Noncurrent loans to loans | 0.4619% | 6,371 |
| Net loans and leases to total assets | 63.5658% | 4,413 |
| Net loans and leases to deposits | 74.3567% | 4,691 |
| Net loans and leases to core deposits | 85.5726% | 3,961 |
| Total domestic deposits to total assets | 85.4877% | 3,423 |
| Equity capital to assets | 8.2222% | 6,404 |
| Core capital (leverage) ratio | 6.8593% | 7,323 |
| Tier 1 risk-based capital ratio | 9.5546% | 7,274 |
| Total risk-based capital ratio | 10.4294% | 7,439 |
| Memoranda: | ||
| Average total assets | $901,918,000 | 763 |
| Average earning assets | $838,876,000 | 734 |
| Average equity | $74,644,000 | 885 |
| Average total loans | $575,528,000 | 811 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 7,064 |
| Cost of funding earning assets | 1.7574% | 4,214 |
| Net interest margin | 2.9872% | 6,678 |
| Noninterest income to average assets | 0.2109% | 6,599 |
| Noninterest expense to average assets | 1.7502% | 7,657 |
| Loan and lease loss provision to assets | 0.8745% | 2,560 |
| Net operating income to assets | 0.2211% | 4,829 |
| Return on assets (ROA) | 0.2442% | 4,821 |
| Pretax return on assets | 0.3676% | 4,586 |
| Return on Equity (ROE) | 2.7247% | 4,617 |
| Retained earnings to average equity (ytd only) | 2.7247% | 3,248 |
| Net charge-offs to loans | 0.9571% | 2,488 |
| Credit loss provision to net charge-offs | 131.3919% | 3,853 |
| Earnings coverage of net charge-offs (x) | 1.8137% | 4,365 |
| Efficiency ratio | 57.7140% | 6,805 |
| Assets per employee ($millions) | 11.9841% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 6,742 |
| Loan loss allowance to noncurrent loans | 149.1588% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 5,176 |
| Noncurrent loans to loans | 0.6148% | 6,017 |
| Net loans and leases to total assets | 62.8833% | 4,835 |
| Net loans and leases to deposits | 72.5028% | 5,260 |
| Net loans and leases to core deposits | 101.8870% | 3,810 |
| Total domestic deposits to total assets | 86.7322% | 2,638 |
| Equity capital to assets | 8.3305% | 6,151 |
| Core capital (leverage) ratio | 7.0036% | 7,235 |
| Tier 1 risk-based capital ratio | 9.7617% | 7,054 |
| Total risk-based capital ratio | 10.6279% | 7,277 |
| Memoranda: | ||
| Average total assets | $820,382,600 | 832 |
| Average earning assets | $754,258,000 | 823 |
| Average equity | $73,512,000 | 886 |
| Average total loans | $570,472,600 | 835 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8964% | 6,899 |
| Cost of funding earning assets | 1.8934% | 3,916 |
| Net interest margin | 3.0031% | 6,606 |
| Noninterest income to average assets | 0.2519% | 6,432 |
| Noninterest expense to average assets | 1.7186% | 7,741 |
| Loan and lease loss provision to assets | 1.0310% | 1,862 |
| Net operating income to assets | 0.1698% | 5,252 |
| Return on assets (ROA) | 0.2023% | 5,234 |
| Pretax return on assets | 0.2995% | 5,065 |
| Return on Equity (ROE) | 2.2139% | 5,091 |
| Retained earnings to average equity (ytd only) | 2.2139% | 4,090 |
| Net charge-offs to loans | 1.0033% | 1,961 |
| Credit loss provision to net charge-offs | 144.2348% | 3,381 |
| Earnings coverage of net charge-offs (x) | 1.7945% | 4,455 |
| Efficiency ratio | 55.7805% | 7,031 |
| Assets per employee ($millions) | 11.7619% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 6,436 |
| Loan loss allowance to noncurrent loans | 50.7544% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 1.3219% | 4,441 |
| Noncurrent loans to loans | 1.9132% | 3,759 |
| Net loans and leases to total assets | 65.2210% | 4,599 |
| Net loans and leases to deposits | 76.6954% | 4,938 |
| Net loans and leases to core deposits | 105.0015% | 3,821 |
| Total domestic deposits to total assets | 85.0389% | 3,218 |
| Equity capital to assets | 8.7420% | 5,890 |
| Core capital (leverage) ratio | 7.0127% | 7,427 |
| Tier 1 risk-based capital ratio | 9.8850% | 7,066 |
| Total risk-based capital ratio | 12.5049% | 5,634 |
| Memoranda: | ||
| Average total assets | $800,776,000 | 866 |
| Average earning assets | $733,139,000 | 860 |
| Average equity | $73,171,250 | 903 |
| Average total loans | $570,482,750 | 853 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8077% | 7,213 |
| Cost of funding earning assets | 1.9885% | 3,830 |
| Net interest margin | 2.8192% | 6,977 |
| Noninterest income to average assets | 0.2315% | 6,629 |
| Noninterest expense to average assets | 1.7810% | 7,764 |
| Loan and lease loss provision to assets | 0.5396% | 2,873 |
| Net operating income to assets | 0.3047% | 4,878 |
| Return on assets (ROA) | 0.3522% | 4,785 |
| Pretax return on assets | 0.5421% | 4,489 |
| Return on Equity (ROE) | 3.7951% | 4,581 |
| Retained earnings to average equity (ytd only) | 3.7951% | 3,181 |
| Net charge-offs to loans | 0.3323% | 3,519 |
| Credit loss provision to net charge-offs | 221.8848% | 2,068 |
| Earnings coverage of net charge-offs (x) | 4.1476% | 3,200 |
| Efficiency ratio | 62.2182% | 6,218 |
| Assets per employee ($millions) | 11.8491% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 7,209 |
| Loan loss allowance to noncurrent loans | 31.6049% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 1.7857% | 3,501 |
| Noncurrent loans to loans | 2.4774% | 2,926 |
| Net loans and leases to total assets | 71.5153% | 3,343 |
| Net loans and leases to deposits | 84.5499% | 3,786 |
| Net loans and leases to core deposits | 114.1877% | 2,886 |
| Total domestic deposits to total assets | 84.5835% | 3,461 |
| Equity capital to assets | 8.8225% | 5,563 |
| Core capital (leverage) ratio | 7.3462% | 7,195 |
| Tier 1 risk-based capital ratio | 9.0964% | 7,639 |
| Total risk-based capital ratio | 11.3907% | 6,708 |
| Memoranda: | ||
| Average total assets | $785,415,330 | 893 |
| Average earning assets | $712,689,000 | 899 |
| Average equity | $72,884,330 | 914 |
| Average total loans | $574,728,670 | 865 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8803% | 7,214 |
| Cost of funding earning assets | 2.0885% | 3,701 |
| Net interest margin | 2.7918% | 7,010 |
| Noninterest income to average assets | 0.1975% | 6,880 |
| Noninterest expense to average assets | 1.7333% | 7,783 |
| Loan and lease loss provision to assets | 0.9714% | 1,336 |
| Net operating income to assets | 0.0102% | 6,232 |
| Return on assets (ROA) | -0.0042% | 6,409 |
| Pretax return on assets | -0.0377% | 6,420 |
| Return on Equity (ROE) | -0.0440% | 6,416 |
| Retained earnings to average equity (ytd only) | -0.0440% | 5,658 |
| Net charge-offs to loans | 0.5689% | 2,043 |
| Credit loss provision to net charge-offs | 231.4607% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2.2784% | 3,597 |
| Efficiency ratio | 62.7119% | 5,928 |
| Assets per employee ($millions) | 11.2237% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 7,171 |
| Loan loss allowance to noncurrent loans | 38.8341% | 5,957 |
| Noncurrent assets plus other real estate owned to assets | 1.4978% | 3,683 |
| Noncurrent loans to loans | 2.0491% | 3,199 |
| Net loans and leases to total assets | 72.5148% | 3,120 |
| Net loans and leases to deposits | 86.1908% | 3,595 |
| Net loans and leases to core deposits | 115.1517% | 2,890 |
| Total domestic deposits to total assets | 84.1330% | 3,640 |
| Equity capital to assets | 9.2419% | 5,024 |
| Core capital (leverage) ratio | 7.6131% | 7,008 |
| Tier 1 risk-based capital ratio | 8.9130% | 7,838 |
| Total risk-based capital ratio | 11.2048% | 6,878 |
| Memoranda: | ||
| Average total assets | $763,406,000 | 920 |
| Average earning assets | $681,434,000 | 937 |
| Average equity | $72,738,000 | 922 |
| Average total loans | $563,166,500 | 892 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5420% | 7,206 |
| Cost of funding earning assets | 2.6725% | 3,305 |
| Net interest margin | 2.8695% | 7,212 |
| Noninterest income to average assets | 0.4691% | 4,885 |
| Noninterest expense to average assets | 1.7274% | 7,840 |
| Loan and lease loss provision to assets | 0.2498% | 4,422 |
| Net operating income to assets | 0.6697% | 4,027 |
| Return on assets (ROA) | 0.6877% | 3,785 |
| Pretax return on assets | 1.0865% | 3,067 |
| Return on Equity (ROE) | 6.7554% | 3,645 |
| Retained earnings to average equity (ytd only) | -0.6180% | 5,478 |
| Net charge-offs to loans | 0.3035% | 3,367 |
| Credit loss provision to net charge-offs | 111.9154% | 4,820 |
| Earnings coverage of net charge-offs (x) | 5.8623% | 3,505 |
| Efficiency ratio | 55.2275% | 7,120 |
| Assets per employee ($millions) | 10.2938% | 234 |
| Cash dividends to net income (ytd only)* | 109.1476% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6371% | 7,590 |
| Loan loss allowance to noncurrent loans | 59.0596% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 0.8811% | 4,649 |
| Noncurrent loans to loans | 1.0787% | 4,412 |
| Net loans and leases to total assets | 74.0099% | 3,096 |
| Net loans and leases to deposits | 89.8258% | 3,481 |
| Net loans and leases to core deposits | 121.2228% | 2,589 |
| Total domestic deposits to total assets | 82.3927% | 4,044 |
| Equity capital to assets | 9.8315% | 4,250 |
| Core capital (leverage) ratio | 8.2207% | 6,124 |
| Tier 1 risk-based capital ratio | 9.3470% | 7,465 |
| Total risk-based capital ratio | 10.5924% | 7,403 |
| Memoranda: | ||
| Average total assets | $699,476,600 | 960 |
| Average earning assets | $625,640,600 | 968 |
| Average equity | $71,201,800 | 934 |
| Average total loans | $514,296,000 | 930 |