Home > Preferred Bank > Performance and Condition Ratios
Preferred Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5325% | 155 |
| Cost of funding earning assets | 2.9723% | 154 |
| Net interest margin | 4.5601% | 557 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 1.1375% | 4,476 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 2.3444% | 285 |
| Return on assets (ROA) | 2.2837% | 299 |
| Pretax return on assets | 3.1942% | 171 |
| Return on Equity (ROE) | 22.5900% | 421 |
| Retained earnings to average equity (ytd only) | 17.6516% | 200 |
| Net charge-offs to loans | 0.0023% | 2,725 |
| Credit loss provision to net charge-offs | 8,547.0085% | 62 |
| Earnings coverage of net charge-offs (x) | 1,922.2137% | 79 |
| Efficiency ratio | 24.9158% | 4,514 |
| Assets per employee ($millions) | 22.1255% | 84 |
| Cash dividends to net income (ytd only)* | 21.8515% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4832% | 1,105 |
| Loan loss allowance to noncurrent loans | 272.8333% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6809% | 776 |
| Noncurrent loans to loans | 0.5436% | 1,438 |
| Net loans and leases to total assets | 78.1500% | 855 |
| Net loans and leases to deposits | 91.1234% | 1,171 |
| Net loans and leases to core deposits | 145.9297% | 231 |
| Total domestic deposits to total assets | 85.7600% | 2,084 |
| Equity capital to assets | 10.4374% | 1,759 |
| Core capital (leverage) ratio | 10.8488% | 2,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1828% | 1,482 |
| Memoranda: | ||
| Average total assets | $6,569,907,000 | 223 |
| Average earning assets | $6,345,715,800 | 210 |
| Average equity | $664,269,400 | 222 |
| Average total loans | $5,140,260,000 | 201 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4392% | 148 |
| Cost of funding earning assets | 2.8036% | 158 |
| Net interest margin | 4.6355% | 505 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.1579% | 4,492 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 2.3918% | 293 |
| Return on assets (ROA) | 2.3256% | 307 |
| Pretax return on assets | 3.2526% | 191 |
| Return on Equity (ROE) | 23.1900% | 479 |
| Retained earnings to average equity (ytd only) | 18.4705% | 318 |
| Net charge-offs to loans | 0.0032% | 2,399 |
| Credit loss provision to net charge-offs | 5,284.5528% | 101 |
| Earnings coverage of net charge-offs (x) | 1,384.8862% | 116 |
| Efficiency ratio | 25.0008% | 4,538 |
| Assets per employee ($millions) | 22.4091% | 78 |
| Cash dividends to net income (ytd only)* | 20.3553% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 1,234 |
| Loan loss allowance to noncurrent loans | 386.0783% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.5429% | 1,077 |
| Noncurrent loans to loans | 0.3773% | 1,882 |
| Net loans and leases to total assets | 76.3300% | 1,079 |
| Net loans and leases to deposits | 89.0621% | 1,301 |
| Net loans and leases to core deposits | 134.8610% | 280 |
| Total domestic deposits to total assets | 85.7100% | 2,278 |
| Equity capital to assets | 10.1085% | 1,766 |
| Core capital (leverage) ratio | 10.4566% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3170% | 1,468 |
| Memoranda: | ||
| Average total assets | $6,547,442,500 | 226 |
| Average earning assets | $6,327,158,000 | 212 |
| Average equity | $656,560,500 | 224 |
| Average total loans | $5,104,630,250 | 202 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2219% | 154 |
| Cost of funding earning assets | 2.5546% | 172 |
| Net interest margin | 4.6673% | 486 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 1.1613% | 4,521 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 2.4317% | 263 |
| Return on assets (ROA) | 2.3320% | 288 |
| Pretax return on assets | 3.2615% | 170 |
| Return on Equity (ROE) | 23.3200% | 468 |
| Retained earnings to average equity (ytd only) | 18.4998% | 314 |
| Net charge-offs to loans | 0.0017% | 2,329 |
| Credit loss provision to net charge-offs | 6,976.7442% | 85 |
| Earnings coverage of net charge-offs (x) | 2,637.7674% | 48 |
| Efficiency ratio | 24.9960% | 4,565 |
| Assets per employee ($millions) | 22.6821% | 76 |
| Cash dividends to net income (ytd only)* | 20.6660% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 1,559 |
| Loan loss allowance to noncurrent loans | 1,385.6256% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 1,616 |
| Noncurrent loans to loans | 0.1005% | 2,983 |
| Net loans and leases to total assets | 75.8300% | 1,074 |
| Net loans and leases to deposits | 90.4446% | 1,152 |
| Net loans and leases to core deposits | 136.5191% | 250 |
| Total domestic deposits to total assets | 83.8400% | 2,859 |
| Equity capital to assets | 10.0287% | 1,842 |
| Core capital (leverage) ratio | 10.6136% | 2,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1350% | 1,533 |
| Memoranda: | ||
| Average total assets | $6,518,894,667 | 221 |
| Average earning assets | $6,300,183,333 | 207 |
| Average equity | $651,911,333 | 220 |
| Average total loans | $5,093,506,333 | 197 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0099% | 118 |
| Cost of funding earning assets | 2.2730% | 162 |
| Net interest margin | 4.7369% | 417 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 1.1731% | 4,578 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 2.5652% | 227 |
| Return on assets (ROA) | 2.3633% | 290 |
| Pretax return on assets | 3.3053% | 160 |
| Return on Equity (ROE) | 23.6700% | 465 |
| Retained earnings to average equity (ytd only) | 18.7324% | 453 |
| Net charge-offs to loans | 0.0034% | 1,885 |
| Credit loss provision to net charge-offs | 1,162.7907% | 328 |
| Earnings coverage of net charge-offs (x) | 1,345.7209% | 69 |
| Efficiency ratio | 24.5945% | 4,633 |
| Assets per employee ($millions) | 21.5406% | 84 |
| Cash dividends to net income (ytd only)* | 20.8494% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3602% | 1,777 |
| Loan loss allowance to noncurrent loans | 25,435.0554% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.2909% | 1,704 |
| Noncurrent loans to loans | 0.0053% | 3,805 |
| Net loans and leases to total assets | 77.3500% | 839 |
| Net loans and leases to deposits | 92.3976% | 892 |
| Net loans and leases to core deposits | 143.6053% | 159 |
| Total domestic deposits to total assets | 83.7100% | 3,153 |
| Equity capital to assets | 10.1598% | 1,742 |
| Core capital (leverage) ratio | 10.6293% | 2,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9067% | 1,656 |
| Memoranda: | ||
| Average total assets | $6,444,068,000 | 231 |
| Average earning assets | $6,224,605,500 | 218 |
| Average equity | $643,483,500 | 226 |
| Average total loans | $5,076,148,000 | 202 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 368 |
| Cost of funding earning assets | 0.7812% | 418 |
| Net interest margin | 4.1092% | 644 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.1050% | 4,626 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 2.0650% | 262 |
| Return on assets (ROA) | 2.0688% | 254 |
| Pretax return on assets | 2.8773% | 143 |
| Return on Equity (ROE) | 21.5300% | 364 |
| Retained earnings to average equity (ytd only) | 17.0641% | 172 |
| Net charge-offs to loans | -0.0239% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 26.9493% | 4,667 |
| Assets per employee ($millions) | 21.4799% | 83 |
| Cash dividends to net income (ytd only)* | 20.7420% | 2,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 1,702 |
| Loan loss allowance to noncurrent loans | 1,249.4891% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.3738% | 1,368 |
| Noncurrent loans to loans | 0.1078% | 2,995 |
| Net loans and leases to total assets | 78.1100% | 785 |
| Net loans and leases to deposits | 90.2421% | 1,040 |
| Net loans and leases to core deposits | 125.3746% | 284 |
| Total domestic deposits to total assets | 86.5500% | 2,551 |
| Equity capital to assets | 9.7797% | 1,839 |
| Core capital (leverage) ratio | 10.2685% | 2,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3602% | 1,828 |
| Memoranda: | ||
| Average total assets | $6,228,039,000 | 231 |
| Average earning assets | $6,019,573,200 | 216 |
| Average equity | $598,449,200 | 236 |
| Average total loans | $4,815,598,200 | 199 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 611 |
| Cost of funding earning assets | 0.5080% | 729 |
| Net interest margin | 3.8673% | 854 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 1.0938% | 4,655 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 1.9265% | 328 |
| Return on assets (ROA) | 1.9265% | 324 |
| Pretax return on assets | 2.6809% | 176 |
| Return on Equity (ROE) | 20.1400% | 424 |
| Retained earnings to average equity (ytd only) | 15.8942% | 288 |
| Net charge-offs to loans | -0.0324% | 4,154 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 28.0839% | 4,700 |
| Assets per employee ($millions) | 21.4798% | 86 |
| Cash dividends to net income (ytd only)* | 21.0875% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 1,916 |
| Loan loss allowance to noncurrent loans | 1,075.2507% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 1,184 |
| Noncurrent loans to loans | 0.1231% | 3,032 |
| Net loans and leases to total assets | 78.7200% | 639 |
| Net loans and leases to deposits | 90.7683% | 840 |
| Net loans and leases to core deposits | 122.4520% | 224 |
| Total domestic deposits to total assets | 86.7300% | 2,845 |
| Equity capital to assets | 9.3834% | 1,962 |
| Core capital (leverage) ratio | 9.9540% | 2,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0948% | 2,023 |
| Memoranda: | ||
| Average total assets | $6,179,424,500 | 234 |
| Average earning assets | $5,972,826,500 | 221 |
| Average equity | $591,037,000 | 240 |
| Average total loans | $4,748,284,250 | 201 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 1,012 |
| Cost of funding earning assets | 0.3744% | 1,086 |
| Net interest margin | 3.5824% | 1,099 |
| Noninterest income to average assets | 0.1585% | 4,224 |
| Noninterest expense to average assets | 1.0843% | 4,678 |
| Loan and lease loss provision to assets | 0.0863% | 1,150 |
| Net operating income to assets | 1.7617% | 370 |
| Return on assets (ROA) | 1.7617% | 362 |
| Pretax return on assets | 2.4547% | 179 |
| Return on Equity (ROE) | 18.3005% | 436 |
| Retained earnings to average equity (ytd only) | 14.0197% | 360 |
| Net charge-offs to loans | 0.0525% | 869 |
| Credit loss provision to net charge-offs | 216.6803% | 937 |
| Earnings coverage of net charge-offs (x) | 63.7989% | 1,054 |
| Efficiency ratio | 29.8728% | 4,714 |
| Assets per employee ($millions) | 22.0273% | 81 |
| Cash dividends to net income (ytd only)* | 23.3917% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 2,452 |
| Loan loss allowance to noncurrent loans | 527.1853% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4753% | 1,194 |
| Noncurrent loans to loans | 0.2362% | 2,534 |
| Net loans and leases to total assets | 78.1110% | 544 |
| Net loans and leases to deposits | 90.0004% | 718 |
| Net loans and leases to core deposits | 119.0479% | 208 |
| Total domestic deposits to total assets | 86.7896% | 3,012 |
| Equity capital to assets | 9.4902% | 2,024 |
| Core capital (leverage) ratio | 9.9195% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2760% | 1,947 |
| Memoranda: | ||
| Average total assets | $6,141,373,333 | 231 |
| Average earning assets | $5,943,255,000 | 222 |
| Average equity | $591,198,333 | 241 |
| Average total loans | $4,657,428,333 | 198 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7280% | 1,227 |
| Cost of funding earning assets | 0.3383% | 1,305 |
| Net interest margin | 3.3897% | 1,325 |
| Noninterest income to average assets | 0.1487% | 4,263 |
| Noninterest expense to average assets | 1.0602% | 4,704 |
| Loan and lease loss provision to assets | -0.0164% | 4,438 |
| Net operating income to assets | 1.7080% | 406 |
| Return on assets (ROA) | 1.7080% | 409 |
| Pretax return on assets | 2.3882% | 208 |
| Return on Equity (ROE) | 17.6155% | 367 |
| Retained earnings to average equity (ytd only) | 13.3049% | 441 |
| Net charge-offs to loans | 0.1082% | 491 |
| Credit loss provision to net charge-offs | -20.4415% | 2,773 |
| Earnings coverage of net charge-offs (x) | 29.5511% | 1,139 |
| Efficiency ratio | 30.8545% | 4,734 |
| Assets per employee ($millions) | 21.2567% | 91 |
| Cash dividends to net income (ytd only)* | 24.4707% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 2,494 |
| Loan loss allowance to noncurrent loans | 2,715.6917% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 2,255 |
| Noncurrent loans to loans | 0.0468% | 3,640 |
| Net loans and leases to total assets | 73.9762% | 660 |
| Net loans and leases to deposits | 85.5434% | 774 |
| Net loans and leases to core deposits | 116.0528% | 174 |
| Total domestic deposits to total assets | 86.4779% | 3,110 |
| Equity capital to assets | 9.6902% | 2,144 |
| Core capital (leverage) ratio | 9.9209% | 2,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1219% | 1,762 |
| Memoranda: | ||
| Average total assets | $6,095,200,000 | 236 |
| Average earning assets | $5,903,815,500 | 226 |
| Average equity | $591,001,500 | 244 |
| Average total loans | $4,520,834,500 | 202 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8665% | 1,711 |
| Cost of funding earning assets | 0.4609% | 1,122 |
| Net interest margin | 3.4056% | 2,009 |
| Noninterest income to average assets | 0.1366% | 4,466 |
| Noninterest expense to average assets | 1.0779% | 4,740 |
| Loan and lease loss provision to assets | -0.0177% | 4,210 |
| Net operating income to assets | 1.6881% | 648 |
| Return on assets (ROA) | 1.6887% | 673 |
| Pretax return on assets | 2.3729% | 312 |
| Return on Equity (ROE) | 17.1763% | 563 |
| Retained earnings to average equity (ytd only) | 12.9818% | 404 |
| Net charge-offs to loans | 0.0577% | 1,212 |
| Credit loss provision to net charge-offs | -40.7000% | 3,238 |
| Earnings coverage of net charge-offs (x) | 54.0444% | 1,255 |
| Efficiency ratio | 31.3602% | 4,784 |
| Assets per employee ($millions) | 21.6696% | 88 |
| Cash dividends to net income (ytd only)* | 24.4204% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 2,128 |
| Loan loss allowance to noncurrent loans | 404.5399% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2452% | 2,334 |
| Noncurrent loans to loans | 0.3340% | 2,387 |
| Net loans and leases to total assets | 72.4253% | 814 |
| Net loans and leases to deposits | 83.7576% | 917 |
| Net loans and leases to core deposits | 113.2285% | 238 |
| Total domestic deposits to total assets | 86.4702% | 2,726 |
| Equity capital to assets | 9.7045% | 2,939 |
| Core capital (leverage) ratio | 9.5405% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3744% | 1,719 |
| Memoranda: | ||
| Average total assets | $5,639,927,000 | 246 |
| Average earning assets | $5,457,988,400 | 232 |
| Average equity | $554,484,800 | 255 |
| Average total loans | $4,259,593,800 | 212 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 1,792 |
| Cost of funding earning assets | 0.4924% | 1,084 |
| Net interest margin | 3.3966% | 2,163 |
| Noninterest income to average assets | 0.1381% | 4,508 |
| Noninterest expense to average assets | 1.1070% | 4,812 |
| Loan and lease loss provision to assets | -0.0024% | 4,291 |
| Net operating income to assets | 1.6559% | 906 |
| Return on assets (ROA) | 1.6567% | 950 |
| Pretax return on assets | 2.3195% | 453 |
| Return on Equity (ROE) | 16.7921% | 802 |
| Retained earnings to average equity (ytd only) | 12.6574% | 693 |
| Net charge-offs to loans | 0.0693% | 954 |
| Credit loss provision to net charge-offs | -4.5641% | 3,042 |
| Earnings coverage of net charge-offs (x) | 43.9115% | 1,307 |
| Efficiency ratio | 32.2944% | 4,849 |
| Assets per employee ($millions) | 21.5917% | 85 |
| Cash dividends to net income (ytd only)* | 24.6226% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 1,983 |
| Loan loss allowance to noncurrent loans | 292.8482% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 2,041 |
| Noncurrent loans to loans | 0.4815% | 2,112 |
| Net loans and leases to total assets | 71.4757% | 923 |
| Net loans and leases to deposits | 82.2700% | 1,099 |
| Net loans and leases to core deposits | 113.8102% | 257 |
| Total domestic deposits to total assets | 86.8795% | 2,397 |
| Equity capital to assets | 9.3969% | 3,470 |
| Core capital (leverage) ratio | 9.6405% | 2,867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4744% | 1,804 |
| Memoranda: | ||
| Average total assets | $5,538,452,500 | 248 |
| Average earning assets | $5,356,500,000 | 235 |
| Average equity | $546,426,500 | 257 |
| Average total loans | $4,214,823,250 | 217 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 1,707 |
| Cost of funding earning assets | 0.5349% | 1,011 |
| Net interest margin | 3.4071% | 2,119 |
| Noninterest income to average assets | 0.1111% | 4,648 |
| Noninterest expense to average assets | 1.1359% | 4,841 |
| Loan and lease loss provision to assets | 0.0519% | 1,993 |
| Net operating income to assets | 1.5832% | 1,085 |
| Return on assets (ROA) | 1.5832% | 1,142 |
| Pretax return on assets | 2.2142% | 562 |
| Return on Equity (ROE) | 15.7693% | 1,005 |
| Retained earnings to average equity (ytd only) | 11.5689% | 1,000 |
| Net charge-offs to loans | 0.0571% | 1,042 |
| Credit loss provision to net charge-offs | 117.5483% | 1,274 |
| Earnings coverage of net charge-offs (x) | 51.2880% | 1,055 |
| Efficiency ratio | 33.3410% | 4,878 |
| Assets per employee ($millions) | 20.1341% | 93 |
| Cash dividends to net income (ytd only)* | 26.6368% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 1,653 |
| Loan loss allowance to noncurrent loans | 290.5840% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.3927% | 2,032 |
| Noncurrent loans to loans | 0.5101% | 2,148 |
| Net loans and leases to total assets | 75.8353% | 607 |
| Net loans and leases to deposits | 88.1380% | 770 |
| Net loans and leases to core deposits | 125.1394% | 165 |
| Total domestic deposits to total assets | 86.0415% | 2,727 |
| Equity capital to assets | 10.0225% | 2,829 |
| Core capital (leverage) ratio | 10.0702% | 2,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6097% | 1,759 |
| Memoranda: | ||
| Average total assets | $5,390,968,333 | 252 |
| Average earning assets | $5,207,185,667 | 244 |
| Average equity | $541,228,333 | 256 |
| Average total loans | $4,174,420,667 | 218 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0789% | 1,437 |
| Cost of funding earning assets | 0.5328% | 1,191 |
| Net interest margin | 3.5461% | 1,712 |
| Noninterest income to average assets | 0.1017% | 4,678 |
| Noninterest expense to average assets | 1.1818% | 4,864 |
| Loan and lease loss provision to assets | 0.1057% | 1,296 |
| Net operating income to assets | 1.6002% | 1,130 |
| Return on assets (ROA) | 1.6002% | 1,175 |
| Pretax return on assets | 2.2379% | 646 |
| Return on Equity (ROE) | 15.9246% | 1,031 |
| Retained earnings to average equity (ytd only) | 11.6553% | 1,238 |
| Net charge-offs to loans | -0.0055% | 3,431 |
| Credit loss provision to net charge-offs | -2,456.1404% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4775% | 4,878 |
| Assets per employee ($millions) | 20.4893% | 90 |
| Cash dividends to net income (ytd only)* | 26.8095% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 1,412 |
| Loan loss allowance to noncurrent loans | 294.7352% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 2,189 |
| Noncurrent loans to loans | 0.5267% | 2,274 |
| Net loans and leases to total assets | 75.4931% | 676 |
| Net loans and leases to deposits | 87.1020% | 882 |
| Net loans and leases to core deposits | 124.1017% | 208 |
| Total domestic deposits to total assets | 86.6720% | 2,455 |
| Equity capital to assets | 9.8946% | 2,806 |
| Core capital (leverage) ratio | 10.2625% | 2,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7335% | 1,991 |
| Memoranda: | ||
| Average total assets | $5,297,884,500 | 251 |
| Average earning assets | $5,115,148,500 | 244 |
| Average equity | $532,358,000 | 256 |
| Average total loans | $4,115,094,500 | 220 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5138% | 1,275 |
| Cost of funding earning assets | 0.8449% | 1,036 |
| Net interest margin | 3.6688% | 1,916 |
| Noninterest income to average assets | 0.1387% | 4,598 |
| Noninterest expense to average assets | 1.1659% | 4,907 |
| Loan and lease loss provision to assets | 0.5285% | 437 |
| Net operating income to assets | 1.4244% | 967 |
| Return on assets (ROA) | 1.4121% | 1,078 |
| Pretax return on assets | 1.9689% | 485 |
| Return on Equity (ROE) | 14.1244% | 781 |
| Retained earnings to average equity (ytd only) | 10.4821% | 497 |
| Net charge-offs to loans | 0.1375% | 1,169 |
| Credit loss provision to net charge-offs | 481.1251% | 1,285 |
| Earnings coverage of net charge-offs (x) | 22.8756% | 1,834 |
| Efficiency ratio | 31.6438% | 4,952 |
| Assets per employee ($millions) | 19.3358% | 100 |
| Cash dividends to net income (ytd only)* | 25.7874% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 1,380 |
| Loan loss allowance to noncurrent loans | 308.9581% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 2,394 |
| Noncurrent loans to loans | 0.5068% | 2,453 |
| Net loans and leases to total assets | 77.5254% | 644 |
| Net loans and leases to deposits | 89.7358% | 944 |
| Net loans and leases to core deposits | 126.1742% | 238 |
| Total domestic deposits to total assets | 86.3930% | 2,189 |
| Equity capital to assets | 10.1637% | 2,969 |
| Core capital (leverage) ratio | 10.0289% | 2,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5925% | 2,020 |
| Memoranda: | ||
| Average total assets | $4,919,352,000 | 251 |
| Average earning assets | $4,746,825,200 | 242 |
| Average equity | $491,829,800 | 262 |
| Average total loans | $3,929,363,000 | 224 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5641% | 1,412 |
| Cost of funding earning assets | 0.9242% | 984 |
| Net interest margin | 3.6399% | 2,124 |
| Noninterest income to average assets | 0.1317% | 4,632 |
| Noninterest expense to average assets | 1.1838% | 4,942 |
| Loan and lease loss provision to assets | 0.5977% | 424 |
| Net operating income to assets | 1.3342% | 1,273 |
| Return on assets (ROA) | 1.3321% | 1,367 |
| Pretax return on assets | 1.8592% | 698 |
| Return on Equity (ROE) | 13.3820% | 1,010 |
| Retained earnings to average equity (ytd only) | 9.6818% | 834 |
| Net charge-offs to loans | 0.1152% | 1,204 |
| Credit loss provision to net charge-offs | 647.2684% | 1,121 |
| Earnings coverage of net charge-offs (x) | 26.6375% | 1,691 |
| Efficiency ratio | 32.4419% | 4,981 |
| Assets per employee ($millions) | 18.7737% | 99 |
| Cash dividends to net income (ytd only)* | 27.6509% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 1,253 |
| Loan loss allowance to noncurrent loans | 243.5671% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,224 |
| Noncurrent loans to loans | 0.6343% | 2,208 |
| Net loans and leases to total assets | 76.7355% | 995 |
| Net loans and leases to deposits | 88.4169% | 1,437 |
| Net loans and leases to core deposits | 127.3375% | 283 |
| Total domestic deposits to total assets | 86.7884% | 1,740 |
| Equity capital to assets | 9.9037% | 3,324 |
| Core capital (leverage) ratio | 9.7515% | 2,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5111% | 1,995 |
| Memoranda: | ||
| Average total assets | $4,863,356,000 | 250 |
| Average earning assets | $4,691,963,250 | 241 |
| Average equity | $484,099,250 | 263 |
| Average total loans | $3,898,998,750 | 226 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6693% | 1,477 |
| Cost of funding earning assets | 1.0331% | 891 |
| Net interest margin | 3.6362% | 2,358 |
| Noninterest income to average assets | 0.1343% | 4,630 |
| Noninterest expense to average assets | 1.2329% | 4,968 |
| Loan and lease loss provision to assets | 0.5346% | 642 |
| Net operating income to assets | 1.3178% | 1,313 |
| Return on assets (ROA) | 1.3141% | 1,433 |
| Pretax return on assets | 1.8693% | 711 |
| Return on Equity (ROE) | 13.1780% | 1,061 |
| Retained earnings to average equity (ytd only) | 9.4268% | 901 |
| Net charge-offs to loans | -0.0068% | 4,099 |
| Credit loss provision to net charge-offs | -9,696.9697% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8059% | 4,995 |
| Assets per employee ($millions) | 18.2711% | 98 |
| Cash dividends to net income (ytd only)* | 28.4652% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 1,579 |
| Loan loss allowance to noncurrent loans | 211.0758% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 2,244 |
| Noncurrent loans to loans | 0.6640% | 2,202 |
| Net loans and leases to total assets | 78.3573% | 809 |
| Net loans and leases to deposits | 90.1581% | 1,341 |
| Net loans and leases to core deposits | 128.5193% | 278 |
| Total domestic deposits to total assets | 86.9110% | 1,659 |
| Equity capital to assets | 9.7623% | 3,413 |
| Core capital (leverage) ratio | 9.8681% | 2,954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8029% | 2,268 |
| Memoranda: | ||
| Average total assets | $4,788,586,000 | 251 |
| Average earning assets | $4,618,739,667 | 241 |
| Average equity | $477,509,667 | 266 |
| Average total loans | $3,876,895,000 | 225 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 1,111 |
| Cost of funding earning assets | 1.2297% | 698 |
| Net interest margin | 3.7035% | 2,309 |
| Noninterest income to average assets | 0.1430% | 4,650 |
| Noninterest expense to average assets | 1.2979% | 5,004 |
| Loan and lease loss provision to assets | 0.4530% | 667 |
| Net operating income to assets | 1.3808% | 1,035 |
| Return on assets (ROA) | 1.3808% | 1,112 |
| Pretax return on assets | 1.9641% | 492 |
| Return on Equity (ROE) | 13.6927% | 762 |
| Retained earnings to average equity (ytd only) | 9.8996% | 764 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.8863% | 5,037 |
| Assets per employee ($millions) | 17.2603% | 92 |
| Cash dividends to net income (ytd only)* | 27.7021% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2309% | 2,510 |
| Loan loss allowance to noncurrent loans | 2,263.8758% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 4,385 |
| Noncurrent loans to loans | 0.0544% | 4,334 |
| Net loans and leases to total assets | 81.6633% | 475 |
| Net loans and leases to deposits | 94.4962% | 1,037 |
| Net loans and leases to core deposits | 138.6453% | 179 |
| Total domestic deposits to total assets | 86.4197% | 1,817 |
| Equity capital to assets | 10.0181% | 3,765 |
| Core capital (leverage) ratio | 10.0544% | 3,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2586% | 2,172 |
| Memoranda: | ||
| Average total assets | $4,679,738,000 | 252 |
| Average earning assets | $4,513,645,500 | 239 |
| Average equity | $471,900,000 | 270 |
| Average total loans | $3,826,067,500 | 222 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3414% | 761 |
| Cost of funding earning assets | 1.4626% | 440 |
| Net interest margin | 3.8788% | 2,246 |
| Noninterest income to average assets | 0.1395% | 4,777 |
| Noninterest expense to average assets | 1.2725% | 5,076 |
| Loan and lease loss provision to assets | 0.0785% | 2,427 |
| Net operating income to assets | 1.7835% | 538 |
| Return on assets (ROA) | 1.7835% | 574 |
| Pretax return on assets | 2.5353% | 198 |
| Return on Equity (ROE) | 17.5773% | 371 |
| Retained earnings to average equity (ytd only) | 13.5008% | 140 |
| Net charge-offs to loans | -0.0088% | 4,434 |
| Credit loss provision to net charge-offs | -1,095.2381% | 4,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.6888% | 5,125 |
| Assets per employee ($millions) | 16.5956% | 102 |
| Cash dividends to net income (ytd only)* | 23.1923% | 3,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 3,839 |
| Loan loss allowance to noncurrent loans | 1,631.3817% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 4,406 |
| Noncurrent loans to loans | 0.0571% | 4,309 |
| Net loans and leases to total assets | 80.0633% | 777 |
| Net loans and leases to deposits | 93.0521% | 1,249 |
| Net loans and leases to core deposits | 136.0163% | 211 |
| Total domestic deposits to total assets | 86.0414% | 2,052 |
| Equity capital to assets | 10.1512% | 3,787 |
| Core capital (leverage) ratio | 10.3177% | 3,170 |
| Tier 1 risk-based capital ratio | 10.5733% | 5,001 |
| Total risk-based capital ratio | 13.6984% | 3,976 |
| Memoranda: | ||
| Average total assets | $4,394,137,000 | 249 |
| Average earning assets | $4,244,705,800 | 241 |
| Average equity | $445,864,000 | 270 |
| Average total loans | $3,575,533,400 | 225 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4493% | 641 |
| Cost of funding earning assets | 1.4960% | 411 |
| Net interest margin | 3.9534% | 2,096 |
| Noninterest income to average assets | 0.1307% | 4,876 |
| Noninterest expense to average assets | 1.2962% | 5,146 |
| Loan and lease loss provision to assets | 0.0923% | 2,064 |
| Net operating income to assets | 1.8071% | 608 |
| Return on assets (ROA) | 1.8071% | 642 |
| Pretax return on assets | 2.5630% | 221 |
| Return on Equity (ROE) | 17.8111% | 409 |
| Retained earnings to average equity (ytd only) | 13.6593% | 223 |
| Net charge-offs to loans | -0.0081% | 4,325 |
| Credit loss provision to net charge-offs | -1,388.8889% | 4,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.7488% | 5,201 |
| Assets per employee ($millions) | 15.9471% | 104 |
| Cash dividends to net income (ytd only)* | 23.3104% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9285% | 3,930 |
| Loan loss allowance to noncurrent loans | 502.1386% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 3,982 |
| Noncurrent loans to loans | 0.1849% | 3,874 |
| Net loans and leases to total assets | 81.3338% | 658 |
| Net loans and leases to deposits | 94.5233% | 1,169 |
| Net loans and leases to core deposits | 130.4490% | 288 |
| Total domestic deposits to total assets | 86.0463% | 1,979 |
| Equity capital to assets | 10.2084% | 3,812 |
| Core capital (leverage) ratio | 10.2688% | 3,342 |
| Tier 1 risk-based capital ratio | 10.3994% | 5,107 |
| Total risk-based capital ratio | 13.5323% | 4,148 |
| Memoranda: | ||
| Average total assets | $4,335,130,000 | 252 |
| Average earning assets | $4,189,708,750 | 242 |
| Average equity | $439,826,250 | 275 |
| Average total loans | $3,533,943,250 | 228 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4764% | 590 |
| Cost of funding earning assets | 1.4758% | 408 |
| Net interest margin | 4.0006% | 1,917 |
| Noninterest income to average assets | 0.1174% | 4,974 |
| Noninterest expense to average assets | 1.3195% | 5,197 |
| Loan and lease loss provision to assets | 0.0981% | 1,904 |
| Net operating income to assets | 1.8090% | 579 |
| Return on assets (ROA) | 1.8090% | 601 |
| Pretax return on assets | 2.5656% | 214 |
| Return on Equity (ROE) | 17.8686% | 386 |
| Retained earnings to average equity (ytd only) | 13.6343% | 250 |
| Net charge-offs to loans | -0.0371% | 4,742 |
| Credit loss provision to net charge-offs | -325.0774% | 4,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.0730% | 5,245 |
| Assets per employee ($millions) | 15.5083% | 98 |
| Cash dividends to net income (ytd only)* | 23.6971% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 3,946 |
| Loan loss allowance to noncurrent loans | 981.7364% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 4,359 |
| Noncurrent loans to loans | 0.0952% | 4,254 |
| Net loans and leases to total assets | 83.4645% | 417 |
| Net loans and leases to deposits | 97.5067% | 887 |
| Net loans and leases to core deposits | 137.6400% | 217 |
| Total domestic deposits to total assets | 85.5987% | 2,223 |
| Equity capital to assets | 10.5089% | 3,512 |
| Core capital (leverage) ratio | 10.4970% | 3,095 |
| Tier 1 risk-based capital ratio | 10.5323% | 5,094 |
| Total risk-based capital ratio | 13.7357% | 4,021 |
| Memoranda: | ||
| Average total assets | $4,281,146,330 | 253 |
| Average earning assets | $4,136,980,330 | 243 |
| Average equity | $433,408,330 | 276 |
| Average total loans | $3,481,281,000 | 234 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3666% | 671 |
| Cost of funding earning assets | 1.4077% | 443 |
| Net interest margin | 3.9589% | 1,993 |
| Noninterest income to average assets | 0.0445% | 5,227 |
| Noninterest expense to average assets | 1.3391% | 5,247 |
| Loan and lease loss provision to assets | 0.0468% | 2,712 |
| Net operating income to assets | 1.7542% | 648 |
| Return on assets (ROA) | 1.7542% | 668 |
| Pretax return on assets | 2.4874% | 254 |
| Return on Equity (ROE) | 17.6658% | 433 |
| Retained earnings to average equity (ytd only) | 13.3433% | 423 |
| Net charge-offs to loans | -0.0388% | 4,751 |
| Credit loss provision to net charge-offs | -151.0574% | 3,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.5173% | 5,287 |
| Assets per employee ($millions) | 16.0359% | 90 |
| Cash dividends to net income (ytd only)* | 24.4678% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9263% | 4,047 |
| Loan loss allowance to noncurrent loans | 887.7261% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 4,389 |
| Noncurrent loans to loans | 0.1043% | 4,268 |
| Net loans and leases to total assets | 78.7956% | 1,016 |
| Net loans and leases to deposits | 91.7114% | 1,430 |
| Net loans and leases to core deposits | 125.3226% | 396 |
| Total domestic deposits to total assets | 85.9170% | 2,315 |
| Equity capital to assets | 9.9807% | 3,848 |
| Core capital (leverage) ratio | 10.3158% | 3,257 |
| Tier 1 risk-based capital ratio | 10.5354% | 5,171 |
| Total risk-based capital ratio | 13.8201% | 4,000 |
| Memoranda: | ||
| Average total assets | $4,273,816,000 | 255 |
| Average earning assets | $4,133,497,000 | 245 |
| Average equity | $424,391,500 | 280 |
| Average total loans | $3,412,279,000 | 237 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0840% | 878 |
| Cost of funding earning assets | 1.0664% | 560 |
| Net interest margin | 4.0176% | 1,932 |
| Noninterest income to average assets | 0.2344% | 4,510 |
| Noninterest expense to average assets | 1.3816% | 5,270 |
| Loan and lease loss provision to assets | 0.2557% | 666 |
| Net operating income to assets | 1.7907% | 560 |
| Return on assets (ROA) | 1.7918% | 555 |
| Pretax return on assets | 2.4910% | 210 |
| Return on Equity (ROE) | 18.4333% | 352 |
| Retained earnings to average equity (ytd only) | 14.3763% | 145 |
| Net charge-offs to loans | 0.2797% | 693 |
| Credit loss provision to net charge-offs | 112.7309% | 2,297 |
| Earnings coverage of net charge-offs (x) | 12.1049% | 2,565 |
| Efficiency ratio | 33.4198% | 5,345 |
| Assets per employee ($millions) | 16.0378% | 88 |
| Cash dividends to net income (ytd only)* | 22.0092% | 3,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 4,090 |
| Loan loss allowance to noncurrent loans | 69.2889% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.0629% | 1,282 |
| Noncurrent loans to loans | 1.3260% | 1,183 |
| Net loans and leases to total assets | 79.4224% | 1,032 |
| Net loans and leases to deposits | 92.0348% | 1,552 |
| Net loans and leases to core deposits | 124.9659% | 419 |
| Total domestic deposits to total assets | 86.2961% | 2,091 |
| Equity capital to assets | 9.8250% | 3,838 |
| Core capital (leverage) ratio | 10.1072% | 3,452 |
| Tier 1 risk-based capital ratio | 10.3758% | 5,226 |
| Total risk-based capital ratio | 13.7163% | 4,024 |
| Memoranda: | ||
| Average total assets | $3,962,173,600 | 268 |
| Average earning assets | $3,838,834,600 | 254 |
| Average equity | $385,134,000 | 293 |
| Average total loans | $3,213,001,200 | 240 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9701% | 992 |
| Cost of funding earning assets | 0.9886% | 625 |
| Net interest margin | 3.9815% | 2,006 |
| Noninterest income to average assets | 0.1670% | 4,951 |
| Noninterest expense to average assets | 1.4044% | 5,322 |
| Loan and lease loss provision to assets | 0.1566% | 1,246 |
| Net operating income to assets | 1.7887% | 613 |
| Return on assets (ROA) | 1.7901% | 613 |
| Pretax return on assets | 2.4655% | 249 |
| Return on Equity (ROE) | 18.4703% | 381 |
| Retained earnings to average equity (ytd only) | 14.5768% | 195 |
| Net charge-offs to loans | 0.1066% | 1,424 |
| Credit loss provision to net charge-offs | 180.6706% | 1,493 |
| Earnings coverage of net charge-offs (x) | 30.2213% | 1,599 |
| Efficiency ratio | 34.8336% | 5,398 |
| Assets per employee ($millions) | 15.8050% | 88 |
| Cash dividends to net income (ytd only)* | 21.0799% | 2,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 3,991 |
| Loan loss allowance to noncurrent loans | 63.4221% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 1,009 |
| Noncurrent loans to loans | 1.5178% | 1,071 |
| Net loans and leases to total assets | 80.6550% | 919 |
| Net loans and leases to deposits | 93.4634% | 1,439 |
| Net loans and leases to core deposits | 125.0277% | 439 |
| Total domestic deposits to total assets | 86.2958% | 2,057 |
| Equity capital to assets | 9.8087% | 3,812 |
| Core capital (leverage) ratio | 10.0650% | 3,567 |
| Tier 1 risk-based capital ratio | 10.2260% | 5,322 |
| Total risk-based capital ratio | 13.6547% | 4,143 |
| Memoranda: | ||
| Average total assets | $3,898,231,750 | 269 |
| Average earning assets | $3,776,913,750 | 255 |
| Average equity | $377,814,250 | 295 |
| Average total loans | $3,170,988,000 | 242 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 1,107 |
| Cost of funding earning assets | 0.9061% | 720 |
| Net interest margin | 3.9551% | 2,019 |
| Noninterest income to average assets | 0.1672% | 4,990 |
| Noninterest expense to average assets | 1.4316% | 5,379 |
| Loan and lease loss provision to assets | 0.1407% | 1,388 |
| Net operating income to assets | 1.7702% | 620 |
| Return on assets (ROA) | 1.7724% | 621 |
| Pretax return on assets | 2.4299% | 254 |
| Return on Equity (ROE) | 18.3657% | 384 |
| Retained earnings to average equity (ytd only) | 14.4778% | 237 |
| Net charge-offs to loans | 0.1826% | 860 |
| Credit loss provision to net charge-offs | 94.7701% | 2,118 |
| Earnings coverage of net charge-offs (x) | 17.2980% | 1,957 |
| Efficiency ratio | 35.7344% | 5,454 |
| Assets per employee ($millions) | 15.3501% | 91 |
| Cash dividends to net income (ytd only)* | 21.1694% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,242 |
| Loan loss allowance to noncurrent loans | 58.9171% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3798% | 1,010 |
| Noncurrent loans to loans | 1.5628% | 1,051 |
| Net loans and leases to total assets | 80.8955% | 874 |
| Net loans and leases to deposits | 93.9406% | 1,365 |
| Net loans and leases to core deposits | 123.2826% | 480 |
| Total domestic deposits to total assets | 86.1135% | 2,227 |
| Equity capital to assets | 9.7272% | 3,893 |
| Core capital (leverage) ratio | 10.0415% | 3,534 |
| Tier 1 risk-based capital ratio | 10.1407% | 5,391 |
| Total risk-based capital ratio | 13.6199% | 4,152 |
| Memoranda: | ||
| Average total assets | $3,838,415,330 | 269 |
| Average earning assets | $3,719,210,670 | 257 |
| Average equity | $370,429,330 | 295 |
| Average total loans | $3,121,044,330 | 243 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7645% | 1,157 |
| Cost of funding earning assets | 0.8195% | 873 |
| Net interest margin | 3.9450% | 1,883 |
| Noninterest income to average assets | 0.1656% | 5,028 |
| Noninterest expense to average assets | 1.4475% | 5,432 |
| Loan and lease loss provision to assets | 0.1588% | 1,138 |
| Net operating income to assets | 1.7639% | 603 |
| Return on assets (ROA) | 1.7590% | 616 |
| Pretax return on assets | 2.3802% | 272 |
| Return on Equity (ROE) | 18.3026% | 379 |
| Retained earnings to average equity (ytd only) | 14.5894% | 354 |
| Net charge-offs to loans | 0.3721% | 423 |
| Credit loss provision to net charge-offs | 52.6131% | 1,931 |
| Earnings coverage of net charge-offs (x) | 8.4311% | 2,033 |
| Efficiency ratio | 36.1896% | 5,512 |
| Assets per employee ($millions) | 15.2560% | 91 |
| Cash dividends to net income (ytd only)* | 20.2878% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,411 |
| Loan loss allowance to noncurrent loans | 861.3205% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 4,098 |
| Noncurrent loans to loans | 0.1055% | 4,501 |
| Net loans and leases to total assets | 82.3485% | 620 |
| Net loans and leases to deposits | 95.5193% | 1,080 |
| Net loans and leases to core deposits | 123.9812% | 468 |
| Total domestic deposits to total assets | 86.2114% | 2,442 |
| Equity capital to assets | 9.8065% | 3,787 |
| Core capital (leverage) ratio | 10.0661% | 3,457 |
| Tier 1 risk-based capital ratio | 10.0315% | 5,497 |
| Total risk-based capital ratio | 13.5799% | 4,249 |
| Memoranda: | ||
| Average total assets | $3,777,465,000 | 270 |
| Average earning assets | $3,664,701,500 | 259 |
| Average equity | $363,031,000 | 299 |
| Average total loans | $3,064,821,000 | 246 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 1,403 |
| Cost of funding earning assets | 0.8157% | 568 |
| Net interest margin | 3.7925% | 2,453 |
| Noninterest income to average assets | 0.1648% | 5,136 |
| Noninterest expense to average assets | 1.4030% | 5,519 |
| Loan and lease loss provision to assets | 0.1557% | 1,448 |
| Net operating income to assets | 1.2228% | 1,446 |
| Return on assets (ROA) | 1.2229% | 1,471 |
| Pretax return on assets | 2.2789% | 276 |
| Return on Equity (ROE) | 13.7559% | 799 |
| Retained earnings to average equity (ytd only) | 10.0090% | 346 |
| Net charge-offs to loans | 0.0733% | 2,398 |
| Credit loss provision to net charge-offs | 267.3797% | 1,046 |
| Earnings coverage of net charge-offs (x) | 41.7968% | 1,223 |
| Efficiency ratio | 36.4883% | 5,574 |
| Assets per employee ($millions) | 15.5204% | 83 |
| Cash dividends to net income (ytd only)* | 27.2380% | 3,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 3,927 |
| Loan loss allowance to noncurrent loans | 461.3167% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,769 |
| Noncurrent loans to loans | 0.2173% | 4,038 |
| Net loans and leases to total assets | 78.3654% | 1,234 |
| Net loans and leases to deposits | 90.5828% | 1,699 |
| Net loans and leases to core deposits | 116.0276% | 720 |
| Total domestic deposits to total assets | 86.5124% | 2,227 |
| Equity capital to assets | 9.4137% | 4,312 |
| Core capital (leverage) ratio | 9.5282% | 4,007 |
| Tier 1 risk-based capital ratio | 10.0751% | 5,515 |
| Total risk-based capital ratio | 13.8406% | 4,042 |
| Memoranda: | ||
| Average total assets | $3,531,584,800 | 274 |
| Average earning assets | $3,420,003,800 | 263 |
| Average equity | $313,946,400 | 324 |
| Average total loans | $2,808,064,800 | 253 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 1,406 |
| Cost of funding earning assets | 0.8115% | 534 |
| Net interest margin | 3.7742% | 2,488 |
| Noninterest income to average assets | 0.1770% | 5,130 |
| Noninterest expense to average assets | 1.4506% | 5,554 |
| Loan and lease loss provision to assets | 0.1536% | 1,351 |
| Net operating income to assets | 1.3699% | 1,156 |
| Return on assets (ROA) | 1.3699% | 1,176 |
| Pretax return on assets | 2.2267% | 343 |
| Return on Equity (ROE) | 15.6602% | 565 |
| Retained earnings to average equity (ytd only) | 11.9581% | 299 |
| Net charge-offs to loans | 0.0831% | 1,969 |
| Credit loss provision to net charge-offs | 232.2880% | 1,203 |
| Earnings coverage of net charge-offs (x) | 35.9925% | 1,398 |
| Efficiency ratio | 37.7925% | 5,622 |
| Assets per employee ($millions) | 15.3436% | 86 |
| Cash dividends to net income (ytd only)* | 23.6402% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 4,129 |
| Loan loss allowance to noncurrent loans | 415.3091% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.3009% | 3,868 |
| Noncurrent loans to loans | 0.2378% | 4,103 |
| Net loans and leases to total assets | 78.6028% | 1,180 |
| Net loans and leases to deposits | 90.2273% | 1,780 |
| Net loans and leases to core deposits | 115.9132% | 754 |
| Total domestic deposits to total assets | 87.1165% | 1,818 |
| Equity capital to assets | 8.6450% | 5,194 |
| Core capital (leverage) ratio | 8.5417% | 5,218 |
| Tier 1 risk-based capital ratio | 9.2442% | 5,690 |
| Total risk-based capital ratio | 13.0812% | 4,612 |
| Memoranda: | ||
| Average total assets | $3,471,618,000 | 277 |
| Average earning assets | $3,361,022,750 | 265 |
| Average equity | $303,674,500 | 332 |
| Average total loans | $2,763,722,500 | 254 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 1,778 |
| Cost of funding earning assets | 0.7898% | 550 |
| Net interest margin | 3.6212% | 2,947 |
| Noninterest income to average assets | 0.1975% | 5,055 |
| Noninterest expense to average assets | 1.5026% | 5,568 |
| Loan and lease loss provision to assets | 0.1585% | 1,260 |
| Net operating income to assets | 1.2916% | 1,316 |
| Return on assets (ROA) | 1.2916% | 1,342 |
| Pretax return on assets | 2.0428% | 498 |
| Return on Equity (ROE) | 14.7033% | 706 |
| Retained earnings to average equity (ytd only) | 11.0145% | 438 |
| Net charge-offs to loans | 0.0969% | 1,656 |
| Credit loss provision to net charge-offs | 205.3232% | 1,250 |
| Earnings coverage of net charge-offs (x) | 28.5118% | 1,500 |
| Efficiency ratio | 40.4914% | 5,617 |
| Assets per employee ($millions) | 15.1103% | 86 |
| Cash dividends to net income (ytd only)* | 25.0886% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 4,236 |
| Loan loss allowance to noncurrent loans | 426.4310% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2973% | 3,945 |
| Noncurrent loans to loans | 0.2311% | 4,201 |
| Net loans and leases to total assets | 78.1570% | 1,225 |
| Net loans and leases to deposits | 89.6673% | 1,781 |
| Net loans and leases to core deposits | 112.5993% | 870 |
| Total domestic deposits to total assets | 87.1634% | 1,872 |
| Equity capital to assets | 8.5231% | 5,291 |
| Core capital (leverage) ratio | 8.6860% | 5,054 |
| Tier 1 risk-based capital ratio | 9.1308% | 5,736 |
| Total risk-based capital ratio | 13.0374% | 4,658 |
| Memoranda: | ||
| Average total assets | $3,406,447,670 | 279 |
| Average earning assets | $3,298,428,330 | 269 |
| Average equity | $299,224,330 | 334 |
| Average total loans | $2,714,555,670 | 258 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3051% | 1,944 |
| Cost of funding earning assets | 0.7695% | 582 |
| Net interest margin | 3.5356% | 3,145 |
| Noninterest income to average assets | 0.2518% | 4,736 |
| Noninterest expense to average assets | 1.5880% | 5,564 |
| Loan and lease loss provision to assets | 0.1808% | 962 |
| Net operating income to assets | 1.2390% | 1,407 |
| Return on assets (ROA) | 1.2390% | 1,443 |
| Pretax return on assets | 1.9106% | 611 |
| Return on Equity (ROE) | 13.8827% | 828 |
| Retained earnings to average equity (ytd only) | 10.3570% | 736 |
| Net charge-offs to loans | 0.0182% | 2,426 |
| Credit loss provision to net charge-offs | 1,239.6694% | 260 |
| Earnings coverage of net charge-offs (x) | 143.4215% | 380 |
| Efficiency ratio | 43.0808% | 5,623 |
| Assets per employee ($millions) | 14.6555% | 94 |
| Cash dividends to net income (ytd only)* | 25.3964% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 4,171 |
| Loan loss allowance to noncurrent loans | 357.0952% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 3,808 |
| Noncurrent loans to loans | 0.2852% | 4,097 |
| Net loans and leases to total assets | 79.2790% | 935 |
| Net loans and leases to deposits | 91.7410% | 1,350 |
| Net loans and leases to core deposits | 114.7839% | 641 |
| Total domestic deposits to total assets | 86.4161% | 2,487 |
| Equity capital to assets | 8.6209% | 5,135 |
| Core capital (leverage) ratio | 9.0105% | 4,726 |
| Tier 1 risk-based capital ratio | 9.1541% | 5,798 |
| Total risk-based capital ratio | 13.2064% | 4,650 |
| Memoranda: | ||
| Average total assets | $3,319,105,500 | 287 |
| Average earning assets | $3,217,777,500 | 274 |
| Average equity | $296,224,000 | 335 |
| Average total loans | $2,658,449,000 | 264 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 1,913 |
| Cost of funding earning assets | 0.6661% | 972 |
| Net interest margin | 3.7044% | 2,677 |
| Noninterest income to average assets | 0.1819% | 5,310 |
| Noninterest expense to average assets | 1.4977% | 5,720 |
| Loan and lease loss provision to assets | 0.2202% | 1,003 |
| Net operating income to assets | 1.2474% | 1,363 |
| Return on assets (ROA) | 1.2511% | 1,434 |
| Pretax return on assets | 2.0537% | 443 |
| Return on Equity (ROE) | 12.9023% | 1,014 |
| Retained earnings to average equity (ytd only) | 9.6552% | 470 |
| Net charge-offs to loans | 0.1117% | 2,152 |
| Credit loss provision to net charge-offs | 248.0620% | 1,171 |
| Earnings coverage of net charge-offs (x) | 25.5547% | 1,583 |
| Efficiency ratio | 39.6828% | 5,789 |
| Assets per employee ($millions) | 14.7866% | 87 |
| Cash dividends to net income (ytd only)* | 25.1670% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0255% | 4,163 |
| Loan loss allowance to noncurrent loans | 346.2082% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3648% | 3,821 |
| Noncurrent loans to loans | 0.2962% | 4,087 |
| Net loans and leases to total assets | 79.2745% | 994 |
| Net loans and leases to deposits | 92.4416% | 1,383 |
| Net loans and leases to core deposits | 113.6785% | 712 |
| Total domestic deposits to total assets | 85.7564% | 2,695 |
| Equity capital to assets | 9.2467% | 4,520 |
| Core capital (leverage) ratio | 9.4277% | 4,185 |
| Tier 1 risk-based capital ratio | 9.8315% | 5,778 |
| Total risk-based capital ratio | 14.0880% | 4,074 |
| Memoranda: | ||
| Average total assets | $2,907,004,200 | 303 |
| Average earning assets | $2,812,335,200 | 287 |
| Average equity | $281,879,200 | 333 |
| Average total loans | $2,310,494,000 | 281 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 2,048 |
| Cost of funding earning assets | 0.6250% | 1,172 |
| Net interest margin | 3.7117% | 2,674 |
| Noninterest income to average assets | 0.1950% | 5,298 |
| Noninterest expense to average assets | 1.5236% | 5,740 |
| Loan and lease loss provision to assets | 0.2122% | 992 |
| Net operating income to assets | 1.2393% | 1,494 |
| Return on assets (ROA) | 1.2404% | 1,590 |
| Pretax return on assets | 2.0497% | 512 |
| Return on Equity (ROE) | 12.6250% | 1,143 |
| Retained earnings to average equity (ytd only) | 9.4822% | 696 |
| Net charge-offs to loans | 0.1547% | 1,456 |
| Credit loss provision to net charge-offs | 172.9439% | 1,613 |
| Earnings coverage of net charge-offs (x) | 18.4231% | 1,994 |
| Efficiency ratio | 40.1772% | 5,827 |
| Assets per employee ($millions) | 14.4085% | 92 |
| Cash dividends to net income (ytd only)* | 24.8936% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 4,393 |
| Loan loss allowance to noncurrent loans | 1,460.7971% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 4,692 |
| Noncurrent loans to loans | 0.0686% | 5,070 |
| Net loans and leases to total assets | 77.9570% | 1,206 |
| Net loans and leases to deposits | 91.2066% | 1,610 |
| Net loans and leases to core deposits | 111.5788% | 831 |
| Total domestic deposits to total assets | 85.4730% | 2,614 |
| Equity capital to assets | 9.3585% | 4,805 |
| Core capital (leverage) ratio | 9.4733% | 4,211 |
| Tier 1 risk-based capital ratio | 9.9628% | 5,802 |
| Total risk-based capital ratio | 14.3566% | 4,005 |
| Memoranda: | ||
| Average total assets | $2,827,888,250 | 311 |
| Average earning assets | $2,734,220,750 | 290 |
| Average equity | $277,832,750 | 337 |
| Average total loans | $2,242,650,750 | 282 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,091 |
| Cost of funding earning assets | 0.5624% | 1,595 |
| Net interest margin | 3.7583% | 2,483 |
| Noninterest income to average assets | 0.2039% | 5,271 |
| Noninterest expense to average assets | 1.5973% | 5,764 |
| Loan and lease loss provision to assets | 0.2268% | 909 |
| Net operating income to assets | 1.2005% | 1,593 |
| Return on assets (ROA) | 1.2022% | 1,685 |
| Pretax return on assets | 2.0134% | 555 |
| Return on Equity (ROE) | 12.0201% | 1,317 |
| Retained earnings to average equity (ytd only) | 8.8331% | 895 |
| Net charge-offs to loans | 0.1633% | 1,356 |
| Credit loss provision to net charge-offs | 174.6479% | 1,435 |
| Earnings coverage of net charge-offs (x) | 17.2270% | 1,886 |
| Efficiency ratio | 41.5620% | 5,872 |
| Assets per employee ($millions) | 13.7585% | 101 |
| Cash dividends to net income (ytd only)* | 26.5141% | 2,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 4,241 |
| Loan loss allowance to noncurrent loans | 722.5972% | 770 |
| Noncurrent assets plus other real estate owned to assets | 0.2548% | 4,482 |
| Noncurrent loans to loans | 0.1450% | 4,855 |
| Net loans and leases to total assets | 77.6385% | 1,247 |
| Net loans and leases to deposits | 90.0046% | 1,755 |
| Net loans and leases to core deposits | 111.2579% | 863 |
| Total domestic deposits to total assets | 86.2606% | 2,292 |
| Equity capital to assets | 9.6802% | 4,572 |
| Core capital (leverage) ratio | 10.0525% | 3,508 |
| Tier 1 risk-based capital ratio | 10.4033% | 5,718 |
| Total risk-based capital ratio | 13.6810% | 4,484 |
| Memoranda: | ||
| Average total assets | $2,733,109,000 | 315 |
| Average earning assets | $2,640,581,000 | 294 |
| Average equity | $273,357,670 | 337 |
| Average total loans | $2,173,283,000 | 284 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 2,179 |
| Cost of funding earning assets | 0.5401% | 1,792 |
| Net interest margin | 3.7462% | 2,496 |
| Noninterest income to average assets | 0.1707% | 5,470 |
| Noninterest expense to average assets | 1.6718% | 5,772 |
| Loan and lease loss provision to assets | 0.1212% | 1,742 |
| Net operating income to assets | 1.1841% | 1,608 |
| Return on assets (ROA) | 1.1876% | 1,693 |
| Pretax return on assets | 1.9995% | 570 |
| Return on Equity (ROE) | 11.6670% | 1,409 |
| Retained earnings to average equity (ytd only) | 8.4341% | 1,288 |
| Net charge-offs to loans | -0.0422% | 5,249 |
| Credit loss provision to net charge-offs | -358.7444% | 4,463 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0534% | 5,874 |
| Assets per employee ($millions) | 12.9015% | 127 |
| Cash dividends to net income (ytd only)* | 27.7098% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 4,116 |
| Loan loss allowance to noncurrent loans | 2,346.9772% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 4,808 |
| Noncurrent loans to loans | 0.0464% | 5,305 |
| Net loans and leases to total assets | 80.1648% | 793 |
| Net loans and leases to deposits | 91.2301% | 1,433 |
| Net loans and leases to core deposits | 111.1299% | 800 |
| Total domestic deposits to total assets | 87.8710% | 1,712 |
| Equity capital to assets | 10.1946% | 3,847 |
| Core capital (leverage) ratio | 10.2916% | 3,204 |
| Tier 1 risk-based capital ratio | 10.7368% | 5,646 |
| Total risk-based capital ratio | 11.6957% | 5,691 |
| Memoranda: | ||
| Average total assets | $2,641,261,000 | 321 |
| Average earning assets | $2,549,708,000 | 300 |
| Average equity | $268,860,000 | 337 |
| Average total loans | $2,115,650,500 | 286 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 1,994 |
| Cost of funding earning assets | 0.5006% | 2,149 |
| Net interest margin | 3.8709% | 2,131 |
| Noninterest income to average assets | 0.1941% | 5,423 |
| Noninterest expense to average assets | 1.6142% | 5,906 |
| Loan and lease loss provision to assets | 0.0800% | 2,681 |
| Net operating income to assets | 1.3207% | 1,222 |
| Return on assets (ROA) | 1.3207% | 1,266 |
| Pretax return on assets | 2.2314% | 322 |
| Return on Equity (ROE) | 11.8834% | 1,333 |
| Retained earnings to average equity (ytd only) | 8.9977% | 652 |
| Net charge-offs to loans | 0.1181% | 2,188 |
| Credit loss provision to net charge-offs | 85.0662% | 2,860 |
| Earnings coverage of net charge-offs (x) | 24.5709% | 1,666 |
| Efficiency ratio | 41.1055% | 6,043 |
| Assets per employee ($millions) | 12.7539% | 126 |
| Cash dividends to net income (ytd only)* | 24.2838% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 4,040 |
| Loan loss allowance to noncurrent loans | 1,140.3120% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 4,657 |
| Noncurrent loans to loans | 0.0966% | 5,109 |
| Net loans and leases to total assets | 78.1723% | 1,095 |
| Net loans and leases to deposits | 88.8411% | 1,770 |
| Net loans and leases to core deposits | 109.1980% | 906 |
| Total domestic deposits to total assets | 87.9912% | 1,640 |
| Equity capital to assets | 10.1516% | 3,803 |
| Core capital (leverage) ratio | 10.4391% | 3,000 |
| Tier 1 risk-based capital ratio | 10.9980% | 5,524 |
| Total risk-based capital ratio | 11.9701% | 5,578 |
| Memoranda: | ||
| Average total assets | $2,249,379,200 | 347 |
| Average earning assets | $2,168,415,600 | 334 |
| Average equity | $249,987,400 | 348 |
| Average total loans | $1,791,917,200 | 308 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4410% | 1,781 |
| Cost of funding earning assets | 0.4962% | 2,248 |
| Net interest margin | 3.9447% | 1,886 |
| Noninterest income to average assets | 0.2105% | 5,387 |
| Noninterest expense to average assets | 1.6276% | 5,965 |
| Loan and lease loss provision to assets | 0.0925% | 2,316 |
| Net operating income to assets | 1.3683% | 1,185 |
| Return on assets (ROA) | 1.3683% | 1,235 |
| Pretax return on assets | 2.2916% | 339 |
| Return on Equity (ROE) | 11.9993% | 1,376 |
| Retained earnings to average equity (ytd only) | 9.2386% | 813 |
| Net charge-offs to loans | 0.0324% | 3,275 |
| Credit loss provision to net charge-offs | 357.9952% | 826 |
| Earnings coverage of net charge-offs (x) | 92.2367% | 668 |
| Efficiency ratio | 40.5714% | 6,118 |
| Assets per employee ($millions) | 13.4275% | 108 |
| Cash dividends to net income (ytd only)* | 23.0072% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 3,028 |
| Loan loss allowance to noncurrent loans | 303.2653% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.3475% | 4,386 |
| Noncurrent loans to loans | 0.4324% | 4,057 |
| Net loans and leases to total assets | 79.3156% | 908 |
| Net loans and leases to deposits | 91.0825% | 1,514 |
| Net loans and leases to core deposits | 108.7610% | 941 |
| Total domestic deposits to total assets | 87.0810% | 1,995 |
| Equity capital to assets | 11.2667% | 2,734 |
| Core capital (leverage) ratio | 11.4663% | 2,062 |
| Tier 1 risk-based capital ratio | 11.7980% | 5,204 |
| Total risk-based capital ratio | 12.9304% | 5,202 |
| Memoranda: | ||
| Average total assets | $2,161,277,250 | 366 |
| Average earning assets | $2,082,649,000 | 346 |
| Average equity | $246,453,500 | 360 |
| Average total loans | $1,725,762,500 | 317 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 1,823 |
| Cost of funding earning assets | 0.4870% | 2,376 |
| Net interest margin | 3.9222% | 1,898 |
| Noninterest income to average assets | 0.2327% | 5,298 |
| Noninterest expense to average assets | 1.6623% | 6,003 |
| Loan and lease loss provision to assets | 0.0943% | 2,240 |
| Net operating income to assets | 1.3466% | 1,201 |
| Return on assets (ROA) | 1.3466% | 1,243 |
| Pretax return on assets | 2.2491% | 384 |
| Return on Equity (ROE) | 11.7582% | 1,452 |
| Retained earnings to average equity (ytd only) | 8.9593% | 932 |
| Net charge-offs to loans | 0.0256% | 3,169 |
| Credit loss provision to net charge-offs | 462.9630% | 663 |
| Earnings coverage of net charge-offs (x) | 115.0463% | 542 |
| Efficiency ratio | 41.4978% | 6,176 |
| Assets per employee ($millions) | 13.0742% | 113 |
| Cash dividends to net income (ytd only)* | 23.8042% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 3,001 |
| Loan loss allowance to noncurrent loans | 299.0685% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.3660% | 4,429 |
| Noncurrent loans to loans | 0.4507% | 4,119 |
| Net loans and leases to total assets | 80.1172% | 785 |
| Net loans and leases to deposits | 92.3537% | 1,335 |
| Net loans and leases to core deposits | 111.2185% | 773 |
| Total domestic deposits to total assets | 86.7504% | 2,296 |
| Equity capital to assets | 11.5129% | 2,401 |
| Core capital (leverage) ratio | 11.5867% | 1,934 |
| Tier 1 risk-based capital ratio | 11.9077% | 5,213 |
| Total risk-based capital ratio | 13.0696% | 5,169 |
| Memoranda: | ||
| Average total assets | $2,120,810,670 | 373 |
| Average earning assets | $2,040,122,670 | 352 |
| Average equity | $242,877,330 | 366 |
| Average total loans | $1,689,492,330 | 322 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 1,921 |
| Cost of funding earning assets | 0.4933% | 2,347 |
| Net interest margin | 3.8629% | 2,020 |
| Noninterest income to average assets | 0.1529% | 5,825 |
| Noninterest expense to average assets | 1.6469% | 6,062 |
| Loan and lease loss provision to assets | 0.0954% | 2,092 |
| Net operating income to assets | 1.2767% | 1,345 |
| Return on assets (ROA) | 1.2767% | 1,427 |
| Pretax return on assets | 2.1209% | 463 |
| Return on Equity (ROE) | 11.1787% | 1,584 |
| Retained earnings to average equity (ytd only) | 8.3431% | 1,436 |
| Net charge-offs to loans | 0.0208% | 2,729 |
| Credit loss provision to net charge-offs | 581.3953% | 485 |
| Earnings coverage of net charge-offs (x) | 135.0465% | 383 |
| Efficiency ratio | 42.6299% | 6,217 |
| Assets per employee ($millions) | 12.8785% | 119 |
| Cash dividends to net income (ytd only)* | 25.3662% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3848% | 2,990 |
| Loan loss allowance to noncurrent loans | 288.1715% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7918% | 3,128 |
| Noncurrent loans to loans | 0.4806% | 4,135 |
| Net loans and leases to total assets | 77.9052% | 944 |
| Net loans and leases to deposits | 89.6810% | 1,425 |
| Net loans and leases to core deposits | 105.7140% | 959 |
| Total domestic deposits to total assets | 86.8693% | 2,443 |
| Equity capital to assets | 11.4012% | 2,555 |
| Core capital (leverage) ratio | 11.2580% | 2,186 |
| Tier 1 risk-based capital ratio | 12.1017% | 5,174 |
| Total risk-based capital ratio | 13.2997% | 5,106 |
| Memoranda: | ||
| Average total assets | $2,096,059,500 | 373 |
| Average earning assets | $2,013,314,000 | 357 |
| Average equity | $239,383,500 | 366 |
| Average total loans | $1,652,962,500 | 328 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3991% | 2,226 |
| Cost of funding earning assets | 0.5104% | 2,569 |
| Net interest margin | 3.8887% | 2,284 |
| Noninterest income to average assets | 0.2476% | 5,356 |
| Noninterest expense to average assets | 1.6625% | 6,194 |
| Loan and lease loss provision to assets | 0.1758% | 1,468 |
| Net operating income to assets | 1.2903% | 1,326 |
| Return on assets (ROA) | 1.2904% | 1,379 |
| Pretax return on assets | 2.1433% | 369 |
| Return on Equity (ROE) | 11.0995% | 1,696 |
| Retained earnings to average equity (ytd only) | 9.8439% | 544 |
| Net charge-offs to loans | -0.0089% | 5,538 |
| Credit loss provision to net charge-offs | -2,596.8992% | 6,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7557% | 6,370 |
| Assets per employee ($millions) | 12.6030% | 124 |
| Cash dividends to net income (ytd only)* | 11.3126% | 4,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 2,850 |
| Loan loss allowance to noncurrent loans | 268.1999% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8459% | 3,094 |
| Noncurrent loans to loans | 0.5297% | 4,078 |
| Net loans and leases to total assets | 77.5977% | 1,061 |
| Net loans and leases to deposits | 89.7367% | 1,541 |
| Net loans and leases to core deposits | 108.6708% | 848 |
| Total domestic deposits to total assets | 86.4726% | 2,583 |
| Equity capital to assets | 11.4408% | 2,481 |
| Core capital (leverage) ratio | 11.7261% | 1,810 |
| Tier 1 risk-based capital ratio | 12.7202% | 4,907 |
| Total risk-based capital ratio | 13.9703% | 4,818 |
| Memoranda: | ||
| Average total assets | $1,905,796,800 | 384 |
| Average earning assets | $1,829,868,200 | 367 |
| Average equity | $221,559,400 | 369 |
| Average total loans | $1,456,392,600 | 339 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3605% | 2,387 |
| Cost of funding earning assets | 0.5129% | 2,625 |
| Net interest margin | 3.8475% | 2,440 |
| Noninterest income to average assets | 0.2824% | 5,181 |
| Noninterest expense to average assets | 1.6801% | 6,220 |
| Loan and lease loss provision to assets | 0.2033% | 1,159 |
| Net operating income to assets | 1.2645% | 1,476 |
| Return on assets (ROA) | 1.2646% | 1,537 |
| Pretax return on assets | 2.0929% | 465 |
| Return on Equity (ROE) | 10.8305% | 1,860 |
| Retained earnings to average equity (ytd only) | 9.9818% | 715 |
| Net charge-offs to loans | -0.0299% | 5,741 |
| Credit loss provision to net charge-offs | -896.2264% | 5,857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2545% | 6,409 |
| Assets per employee ($millions) | 13.3083% | 109 |
| Cash dividends to net income (ytd only)* | 7.8368% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 2,779 |
| Loan loss allowance to noncurrent loans | 210.3983% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 4,252 |
| Noncurrent loans to loans | 0.7075% | 3,840 |
| Net loans and leases to total assets | 75.1272% | 1,345 |
| Net loans and leases to deposits | 87.1323% | 1,775 |
| Net loans and leases to core deposits | 103.2512% | 1,137 |
| Total domestic deposits to total assets | 86.2219% | 2,742 |
| Equity capital to assets | 11.4541% | 2,529 |
| Core capital (leverage) ratio | 11.6198% | 1,965 |
| Tier 1 risk-based capital ratio | 12.7524% | 5,006 |
| Total risk-based capital ratio | 14.0028% | 4,916 |
| Memoranda: | ||
| Average total assets | $1,868,675,750 | 387 |
| Average earning assets | $1,794,036,500 | 368 |
| Average equity | $218,192,500 | 373 |
| Average total loans | $1,416,228,500 | 340 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3581% | 2,349 |
| Cost of funding earning assets | 0.5106% | 2,726 |
| Net interest margin | 3.8475% | 2,387 |
| Noninterest income to average assets | 0.3303% | 4,777 |
| Noninterest expense to average assets | 1.7188% | 6,246 |
| Loan and lease loss provision to assets | 0.2574% | 834 |
| Net operating income to assets | 1.2444% | 1,460 |
| Return on assets (ROA) | 1.2444% | 1,524 |
| Pretax return on assets | 2.0486% | 491 |
| Return on Equity (ROE) | 10.5838% | 1,902 |
| Retained earnings to average equity (ytd only) | 10.5838% | 598 |
| Net charge-offs to loans | 0.5715% | 715 |
| Credit loss provision to net charge-offs | 59.5540% | 2,652 |
| Earnings coverage of net charge-offs (x) | 5.3358% | 2,944 |
| Efficiency ratio | 42.7059% | 6,462 |
| Assets per employee ($millions) | 12.0514% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,207 |
| Loan loss allowance to noncurrent loans | 101.5778% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 2,930 |
| Noncurrent loans to loans | 1.2224% | 2,787 |
| Net loans and leases to total assets | 74.7539% | 1,343 |
| Net loans and leases to deposits | 86.2699% | 1,796 |
| Net loans and leases to core deposits | 103.0657% | 1,079 |
| Total domestic deposits to total assets | 86.6512% | 2,671 |
| Equity capital to assets | 11.6934% | 2,247 |
| Core capital (leverage) ratio | 12.3225% | 1,486 |
| Tier 1 risk-based capital ratio | 13.1775% | 4,801 |
| Total risk-based capital ratio | 14.2528% | 4,847 |
| Memoranda: | ||
| Average total assets | $1,826,152,670 | 392 |
| Average earning assets | $1,753,509,670 | 373 |
| Average equity | $214,706,000 | 373 |
| Average total loans | $1,380,843,330 | 344 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 2,218 |
| Cost of funding earning assets | 0.5250% | 2,658 |
| Net interest margin | 3.8555% | 2,253 |
| Noninterest income to average assets | 0.2556% | 5,316 |
| Noninterest expense to average assets | 1.7785% | 6,249 |
| Loan and lease loss provision to assets | 0.2798% | 730 |
| Net operating income to assets | 1.1533% | 1,616 |
| Return on assets (ROA) | 1.1533% | 1,687 |
| Pretax return on assets | 1.8910% | 663 |
| Return on Equity (ROE) | 9.7812% | 2,119 |
| Retained earnings to average equity (ytd only) | 9.7812% | 1,021 |
| Net charge-offs to loans | 0.2864% | 1,205 |
| Credit loss provision to net charge-offs | 129.2658% | 1,390 |
| Earnings coverage of net charge-offs (x) | 10.0300% | 1,893 |
| Efficiency ratio | 45.0326% | 6,456 |
| Assets per employee ($millions) | 11.5722% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4392% | 3,424 |
| Loan loss allowance to noncurrent loans | 171.9440% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 1.1303% | 2,988 |
| Noncurrent loans to loans | 0.8370% | 3,794 |
| Net loans and leases to total assets | 75.0240% | 1,127 |
| Net loans and leases to deposits | 86.6981% | 1,506 |
| Net loans and leases to core deposits | 105.6794% | 769 |
| Total domestic deposits to total assets | 86.5348% | 3,087 |
| Equity capital to assets | 11.8844% | 1,949 |
| Core capital (leverage) ratio | 11.9744% | 1,666 |
| Tier 1 risk-based capital ratio | 13.6502% | 4,580 |
| Total risk-based capital ratio | 14.9005% | 4,529 |
| Memoranda: | ||
| Average total assets | $1,787,168,000 | 398 |
| Average earning assets | $1,712,131,000 | 381 |
| Average equity | $210,730,500 | 378 |
| Average total loans | $1,350,614,000 | 348 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 2,235 |
| Cost of funding earning assets | 0.4916% | 3,690 |
| Net interest margin | 4.0017% | 1,941 |
| Noninterest income to average assets | 0.3701% | 4,663 |
| Noninterest expense to average assets | 1.9078% | 6,175 |
| Loan and lease loss provision to assets | 0.1965% | 1,885 |
| Net operating income to assets | 1.2839% | 1,295 |
| Return on assets (ROA) | 1.2078% | 1,606 |
| Pretax return on assets | 1.9510% | 535 |
| Return on Equity (ROE) | 10.1888% | 2,032 |
| Retained earnings to average equity (ytd only) | 10.1888% | 530 |
| Net charge-offs to loans | 0.3552% | 1,902 |
| Credit loss provision to net charge-offs | 74.4900% | 3,183 |
| Earnings coverage of net charge-offs (x) | 8.5902% | 2,641 |
| Efficiency ratio | 45.7054% | 6,570 |
| Assets per employee ($millions) | 11.9532% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4689% | 3,338 |
| Loan loss allowance to noncurrent loans | 138.7967% | 2,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1106% | 3,185 |
| Noncurrent loans to loans | 1.0583% | 3,395 |
| Net loans and leases to total assets | 73.9131% | 1,364 |
| Net loans and leases to deposits | 85.4944% | 1,752 |
| Net loans and leases to core deposits | 100.7792% | 1,098 |
| Total domestic deposits to total assets | 86.4537% | 3,020 |
| Equity capital to assets | 11.6963% | 2,034 |
| Core capital (leverage) ratio | 11.8033% | 1,754 |
| Tier 1 risk-based capital ratio | 13.7775% | 4,453 |
| Total risk-based capital ratio | 15.0282% | 4,400 |
| Memoranda: | ||
| Average total assets | $1,653,770,600 | 419 |
| Average earning assets | $1,572,071,400 | 400 |
| Average equity | $196,048,400 | 394 |
| Average total loans | $1,228,430,400 | 363 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 2,210 |
| Cost of funding earning assets | 0.4855% | 3,908 |
| Net interest margin | 4.0201% | 1,876 |
| Noninterest income to average assets | 0.1918% | 6,031 |
| Noninterest expense to average assets | 1.9422% | 6,111 |
| Loan and lease loss provision to assets | 0.1190% | 2,814 |
| Net operating income to assets | 1.2028% | 1,624 |
| Return on assets (ROA) | 1.1575% | 1,852 |
| Pretax return on assets | 1.8759% | 752 |
| Return on Equity (ROE) | 9.7288% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.7288% | 848 |
| Net charge-offs to loans | 0.4111% | 1,566 |
| Credit loss provision to net charge-offs | 39.0625% | 3,723 |
| Earnings coverage of net charge-offs (x) | 6.7818% | 2,907 |
| Efficiency ratio | 48.4604% | 6,481 |
| Assets per employee ($millions) | 12.1521% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 3,789 |
| Loan loss allowance to noncurrent loans | 103.4747% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 1.8444% | 2,210 |
| Noncurrent loans to loans | 1.3765% | 3,114 |
| Net loans and leases to total assets | 74.6206% | 1,187 |
| Net loans and leases to deposits | 86.3460% | 1,575 |
| Net loans and leases to core deposits | 102.2150% | 984 |
| Total domestic deposits to total assets | 86.4204% | 3,010 |
| Equity capital to assets | 11.7727% | 2,063 |
| Core capital (leverage) ratio | 11.8447% | 1,777 |
| Tier 1 risk-based capital ratio | 13.3371% | 4,882 |
| Total risk-based capital ratio | 14.5842% | 4,821 |
| Memoranda: | ||
| Average total assets | $1,624,943,250 | 424 |
| Average earning assets | $1,542,444,750 | 409 |
| Average equity | $193,331,250 | 397 |
| Average total loans | $1,203,769,000 | 370 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 2,425 |
| Cost of funding earning assets | 0.4816% | 4,073 |
| Net interest margin | 3.9569% | 2,019 |
| Noninterest income to average assets | 0.1919% | 6,060 |
| Noninterest expense to average assets | 1.9740% | 6,088 |
| Loan and lease loss provision to assets | 0.0313% | 4,303 |
| Net operating income to assets | 1.1639% | 1,687 |
| Return on assets (ROA) | 1.1347% | 1,906 |
| Pretax return on assets | 1.8911% | 763 |
| Return on Equity (ROE) | 9.5020% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.5020% | 967 |
| Net charge-offs to loans | 0.4841% | 1,362 |
| Credit loss provision to net charge-offs | 8.7843% | 3,914 |
| Earnings coverage of net charge-offs (x) | 5.5302% | 2,876 |
| Efficiency ratio | 50.0761% | 6,429 |
| Assets per employee ($millions) | 11.7546% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 3,731 |
| Loan loss allowance to noncurrent loans | 71.7884% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 2.4850% | 1,706 |
| Noncurrent loans to loans | 2.0449% | 2,344 |
| Net loans and leases to total assets | 72.9396% | 1,414 |
| Net loans and leases to deposits | 84.4009% | 1,745 |
| Net loans and leases to core deposits | 100.5694% | 1,038 |
| Total domestic deposits to total assets | 86.4204% | 3,154 |
| Equity capital to assets | 11.7316% | 2,100 |
| Core capital (leverage) ratio | 12.1752% | 1,521 |
| Tier 1 risk-based capital ratio | 13.5104% | 4,764 |
| Total risk-based capital ratio | 14.7609% | 4,720 |
| Memoranda: | ||
| Average total assets | $1,599,491,670 | 435 |
| Average earning assets | $1,515,865,330 | 411 |
| Average equity | $191,012,000 | 402 |
| Average total loans | $1,175,737,670 | 377 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 2,423 |
| Cost of funding earning assets | 0.4914% | 4,162 |
| Net interest margin | 3.9393% | 1,980 |
| Noninterest income to average assets | -0.0614% | 6,906 |
| Noninterest expense to average assets | 1.9713% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0271% | 2,118 |
| Return on assets (ROA) | 1.0264% | 2,230 |
| Pretax return on assets | 1.7003% | 1,074 |
| Return on Equity (ROE) | 8.5157% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.5157% | 1,556 |
| Net charge-offs to loans | 0.1297% | 2,628 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 17.9088% | 1,287 |
| Efficiency ratio | 53.6755% | 6,254 |
| Assets per employee ($millions) | 11.9323% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7285% | 2,887 |
| Loan loss allowance to noncurrent loans | 52.8041% | 5,039 |
| Noncurrent assets plus other real estate owned to assets | 3.7734% | 1,095 |
| Noncurrent loans to loans | 3.2734% | 1,483 |
| Net loans and leases to total assets | 72.4882% | 1,285 |
| Net loans and leases to deposits | 83.1179% | 1,691 |
| Net loans and leases to core deposits | 98.2066% | 1,067 |
| Total domestic deposits to total assets | 87.2112% | 2,825 |
| Equity capital to assets | 12.0690% | 1,993 |
| Core capital (leverage) ratio | 11.9608% | 1,590 |
| Tier 1 risk-based capital ratio | 13.5560% | 4,830 |
| Total risk-based capital ratio | 14.8090% | 4,785 |
| Memoranda: | ||
| Average total assets | $1,570,536,500 | 439 |
| Average earning assets | $1,488,679,500 | 424 |
| Average equity | $189,298,000 | 410 |
| Average total loans | $1,150,150,000 | 387 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5369% | 3,252 |
| Cost of funding earning assets | 0.5805% | 4,531 |
| Net interest margin | 3.9564% | 2,578 |
| Noninterest income to average assets | -0.0887% | 6,911 |
| Noninterest expense to average assets | 2.1033% | 6,120 |
| Loan and lease loss provision to assets | 1.3878% | 244 |
| Net operating income to assets | 1.5802% | 783 |
| Return on assets (ROA) | 1.6188% | 807 |
| Pretax return on assets | 0.1761% | 6,030 |
| Return on Equity (ROE) | 13.0286% | 1,216 |
| Retained earnings to average equity (ytd only) | 13.0286% | 252 |
| Net charge-offs to loans | 2.2228% | 302 |
| Credit loss provision to net charge-offs | 86.4214% | 3,607 |
| Earnings coverage of net charge-offs (x) | 0.9498% | 4,994 |
| Efficiency ratio | 57.9649% | 5,836 |
| Assets per employee ($millions) | 11.6848% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 2,514 |
| Loan loss allowance to noncurrent loans | 48.4973% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 4.6535% | 876 |
| Noncurrent loans to loans | 3.7613% | 1,293 |
| Net loans and leases to total assets | 71.3655% | 1,593 |
| Net loans and leases to deposits | 81.6981% | 2,050 |
| Net loans and leases to core deposits | 98.0981% | 1,140 |
| Total domestic deposits to total assets | 87.3527% | 2,615 |
| Equity capital to assets | 12.0368% | 2,024 |
| Core capital (leverage) ratio | 11.9104% | 1,617 |
| Tier 1 risk-based capital ratio | 13.6773% | 4,623 |
| Total risk-based capital ratio | 14.9321% | 4,565 |
| Memoranda: | ||
| Average total assets | $1,426,743,800 | 472 |
| Average earning assets | $1,340,510,600 | 454 |
| Average equity | $177,271,600 | 428 |
| Average total loans | $1,030,728,400 | 415 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6404% | 3,058 |
| Cost of funding earning assets | 0.6087% | 4,554 |
| Net interest margin | 4.0317% | 2,376 |
| Noninterest income to average assets | -0.0707% | 7,003 |
| Noninterest expense to average assets | 2.2061% | 5,936 |
| Loan and lease loss provision to assets | 1.6727% | 173 |
| Net operating income to assets | 1.7795% | 591 |
| Return on assets (ROA) | 1.8120% | 620 |
| Pretax return on assets | -0.1157% | 6,487 |
| Return on Equity (ROE) | 14.4576% | 1,008 |
| Retained earnings to average equity (ytd only) | 14.4576% | 270 |
| Net charge-offs to loans | 2.5998% | 237 |
| Credit loss provision to net charge-offs | 89.2129% | 3,322 |
| Earnings coverage of net charge-offs (x) | 0.8034% | 4,931 |
| Efficiency ratio | 59.4233% | 5,595 |
| Assets per employee ($millions) | 11.0762% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 2,130 |
| Loan loss allowance to noncurrent loans | 66.5978% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 4.6239% | 992 |
| Noncurrent loans to loans | 3.0226% | 1,843 |
| Net loans and leases to total assets | 70.8444% | 1,753 |
| Net loans and leases to deposits | 81.3898% | 2,198 |
| Net loans and leases to core deposits | 100.3391% | 1,100 |
| Total domestic deposits to total assets | 87.0433% | 2,645 |
| Equity capital to assets | 12.2633% | 2,068 |
| Core capital (leverage) ratio | 12.1876% | 1,540 |
| Tier 1 risk-based capital ratio | 14.0766% | 4,471 |
| Total risk-based capital ratio | 15.3327% | 4,431 |
| Memoranda: | ||
| Average total assets | $1,394,909,750 | 482 |
| Average earning assets | $1,308,924,000 | 464 |
| Average equity | $174,824,000 | 431 |
| Average total loans | $1,005,989,500 | 421 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7400% | 2,756 |
| Cost of funding earning assets | 0.6434% | 4,499 |
| Net interest margin | 4.0966% | 2,108 |
| Noninterest income to average assets | -0.0166% | 7,021 |
| Noninterest expense to average assets | 2.2292% | 5,929 |
| Loan and lease loss provision to assets | 2.3880% | 94 |
| Net operating income to assets | 2.3127% | 233 |
| Return on assets (ROA) | 2.3631% | 249 |
| Pretax return on assets | -0.7135% | 6,826 |
| Return on Equity (ROE) | 18.7093% | 438 |
| Retained earnings to average equity (ytd only) | 18.7093% | 128 |
| Net charge-offs to loans | 3.6971% | 131 |
| Credit loss provision to net charge-offs | 89.6442% | 3,061 |
| Earnings coverage of net charge-offs (x) | 0.5990% | 4,766 |
| Efficiency ratio | 58.2810% | 5,835 |
| Assets per employee ($millions) | 10.7554% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1688% | 1,847 |
| Loan loss allowance to noncurrent loans | 64.5117% | 4,438 |
| Noncurrent assets plus other real estate owned to assets | 5.2399% | 886 |
| Noncurrent loans to loans | 3.3619% | 1,726 |
| Net loans and leases to total assets | 69.3720% | 2,036 |
| Net loans and leases to deposits | 79.6883% | 2,425 |
| Net loans and leases to core deposits | 98.1393% | 1,263 |
| Total domestic deposits to total assets | 87.0542% | 2,738 |
| Equity capital to assets | 12.4652% | 1,839 |
| Core capital (leverage) ratio | 12.1922% | 1,502 |
| Tier 1 risk-based capital ratio | 14.3789% | 4,190 |
| Total risk-based capital ratio | 15.6362% | 4,146 |
| Memoranda: | ||
| Average total assets | $1,365,141,000 | 490 |
| Average earning assets | $1,280,124,670 | 472 |
| Average equity | $172,427,330 | 437 |
| Average total loans | $983,624,330 | 429 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8354% | 2,504 |
| Cost of funding earning assets | 0.6993% | 4,285 |
| Net interest margin | 4.1361% | 1,975 |
| Noninterest income to average assets | -0.1495% | 7,183 |
| Noninterest expense to average assets | 2.3100% | 5,743 |
| Loan and lease loss provision to assets | 0.5382% | 1,100 |
| Net operating income to assets | 6.5032% | 35 |
| Return on assets (ROA) | 6.4997% | 37 |
| Pretax return on assets | 0.8838% | 4,089 |
| Return on Equity (ROE) | 51.1037% | 29 |
| Retained earnings to average equity (ytd only) | 51.1037% | 20 |
| Net charge-offs to loans | 1.0670% | 967 |
| Credit loss provision to net charge-offs | 69.4177% | 2,930 |
| Earnings coverage of net charge-offs (x) | 1.8388% | 3,419 |
| Efficiency ratio | 61.8377% | 5,303 |
| Assets per employee ($millions) | 10.6712% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3120% | 1,656 |
| Loan loss allowance to noncurrent loans | 71.3730% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 5.0990% | 1,010 |
| Noncurrent loans to loans | 3.2393% | 1,980 |
| Net loans and leases to total assets | 70.9154% | 1,590 |
| Net loans and leases to deposits | 82.3531% | 1,882 |
| Net loans and leases to core deposits | 101.1610% | 912 |
| Total domestic deposits to total assets | 86.1113% | 3,465 |
| Equity capital to assets | 13.3438% | 1,296 |
| Core capital (leverage) ratio | 12.6916% | 1,248 |
| Tier 1 risk-based capital ratio | 14.5487% | 4,062 |
| Total risk-based capital ratio | 15.8078% | 4,018 |
| Memoranda: | ||
| Average total assets | $1,337,855,500 | 501 |
| Average earning assets | $1,256,646,500 | 487 |
| Average equity | $170,156,000 | 438 |
| Average total loans | $972,078,000 | 430 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 4,716 |
| Cost of funding earning assets | 0.8791% | 4,260 |
| Net interest margin | 3.7103% | 4,254 |
| Noninterest income to average assets | -0.3181% | 7,213 |
| Noninterest expense to average assets | 2.1398% | 6,410 |
| Loan and lease loss provision to assets | 0.4560% | 2,316 |
| Net operating income to assets | 0.9690% | 2,326 |
| Return on assets (ROA) | 0.9787% | 2,424 |
| Pretax return on assets | 0.5748% | 4,765 |
| Return on Equity (ROE) | 8.2283% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.2283% | 1,006 |
| Net charge-offs to loans | 1.6343% | 960 |
| Credit loss provision to net charge-offs | 38.3065% | 5,660 |
| Earnings coverage of net charge-offs (x) | 0.8578% | 5,154 |
| Efficiency ratio | 67.6934% | 4,424 |
| Assets per employee ($millions) | 10.0754% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4898% | 1,328 |
| Loan loss allowance to noncurrent loans | 49.9810% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 6.5854% | 714 |
| Noncurrent loans to loans | 4.9816% | 1,132 |
| Net loans and leases to total assets | 70.9171% | 1,840 |
| Net loans and leases to deposits | 83.0834% | 2,057 |
| Net loans and leases to core deposits | 103.8316% | 912 |
| Total domestic deposits to total assets | 85.3565% | 3,666 |
| Equity capital to assets | 12.0666% | 2,073 |
| Core capital (leverage) ratio | 12.5116% | 1,348 |
| Tier 1 risk-based capital ratio | 14.5124% | 3,964 |
| Total risk-based capital ratio | 15.7736% | 3,932 |
| Memoranda: | ||
| Average total assets | $1,250,044,800 | 524 |
| Average earning assets | $1,172,099,800 | 502 |
| Average equity | $148,682,600 | 475 |
| Average total loans | $910,489,800 | 462 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6174% | 4,798 |
| Cost of funding earning assets | 0.9071% | 4,349 |
| Net interest margin | 3.7103% | 4,292 |
| Noninterest income to average assets | -0.6311% | 7,373 |
| Noninterest expense to average assets | 1.9706% | 6,749 |
| Loan and lease loss provision to assets | 0.3562% | 2,737 |
| Net operating income to assets | 0.9087% | 2,707 |
| Return on assets (ROA) | 0.9140% | 2,819 |
| Pretax return on assets | 0.5200% | 5,089 |
| Return on Equity (ROE) | 7.7142% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.7142% | 1,621 |
| Net charge-offs to loans | 1.7991% | 743 |
| Credit loss provision to net charge-offs | 27.1739% | 5,455 |
| Earnings coverage of net charge-offs (x) | 0.6644% | 5,126 |
| Efficiency ratio | 69.3462% | 4,068 |
| Assets per employee ($millions) | 10.0069% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6607% | 1,179 |
| Loan loss allowance to noncurrent loans | 46.9338% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 7.2604% | 661 |
| Noncurrent loans to loans | 5.6691% | 1,021 |
| Net loans and leases to total assets | 69.7947% | 2,118 |
| Net loans and leases to deposits | 81.9178% | 2,374 |
| Net loans and leases to core deposits | 102.7576% | 1,054 |
| Total domestic deposits to total assets | 85.2009% | 3,675 |
| Equity capital to assets | 12.2571% | 2,053 |
| Core capital (leverage) ratio | 12.4897% | 1,439 |
| Tier 1 risk-based capital ratio | 14.6554% | 3,862 |
| Total risk-based capital ratio | 15.9181% | 3,835 |
| Memoranda: | ||
| Average total assets | $1,235,106,000 | 539 |
| Average earning assets | $1,155,994,250 | 515 |
| Average equity | $146,341,250 | 486 |
| Average total loans | $899,964,750 | 470 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5865% | 5,026 |
| Cost of funding earning assets | 0.9342% | 4,428 |
| Net interest margin | 3.6523% | 4,510 |
| Noninterest income to average assets | -0.6770% | 7,443 |
| Noninterest expense to average assets | 2.0099% | 6,770 |
| Loan and lease loss provision to assets | 0.2935% | 3,051 |
| Net operating income to assets | 0.3902% | 4,993 |
| Return on assets (ROA) | 0.3979% | 5,108 |
| Pretax return on assets | 0.4439% | 5,249 |
| Return on Equity (ROE) | 3.3982% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.3982% | 4,100 |
| Net charge-offs to loans | 1.8449% | 742 |
| Credit loss provision to net charge-offs | 21.7155% | 5,112 |
| Earnings coverage of net charge-offs (x) | 0.5393% | 4,901 |
| Efficiency ratio | 73.3865% | 3,486 |
| Assets per employee ($millions) | 9.6786% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9531% | 934 |
| Loan loss allowance to noncurrent loans | 31.1549% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 10.3778% | 361 |
| Noncurrent loans to loans | 9.4788% | 420 |
| Net loans and leases to total assets | 70.6074% | 2,090 |
| Net loans and leases to deposits | 82.6717% | 2,345 |
| Net loans and leases to core deposits | 101.6983% | 1,194 |
| Total domestic deposits to total assets | 85.4070% | 3,674 |
| Equity capital to assets | 11.9792% | 2,105 |
| Core capital (leverage) ratio | 12.2797% | 1,464 |
| Tier 1 risk-based capital ratio | 14.2615% | 3,970 |
| Total risk-based capital ratio | 15.5274% | 3,932 |
| Memoranda: | ||
| Average total assets | $1,226,517,000 | 547 |
| Average earning assets | $1,147,100,670 | 520 |
| Average equity | $143,606,330 | 498 |
| Average total loans | $898,594,000 | 475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6973% | 4,536 |
| Cost of funding earning assets | 0.9843% | 4,311 |
| Net interest margin | 3.7130% | 4,032 |
| Noninterest income to average assets | -0.8684% | 7,531 |
| Noninterest expense to average assets | 2.2805% | 6,241 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2138% | 5,744 |
| Return on assets (ROA) | 0.2282% | 5,753 |
| Pretax return on assets | 0.3343% | 5,546 |
| Return on Equity (ROE) | 1.9720% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.9720% | 4,945 |
| Net charge-offs to loans | 1.8052% | 717 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.2359% | 4,439 |
| Efficiency ratio | 87.9280% | 1,524 |
| Assets per employee ($millions) | 9.6325% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2543% | 743 |
| Loan loss allowance to noncurrent loans | 27.7126% | 6,423 |
| Noncurrent assets plus other real estate owned to assets | 12.1224% | 261 |
| Noncurrent loans to loans | 11.7429% | 291 |
| Net loans and leases to total assets | 71.7641% | 1,772 |
| Net loans and leases to deposits | 84.4551% | 1,960 |
| Net loans and leases to core deposits | 107.4578% | 870 |
| Total domestic deposits to total assets | 84.9730% | 4,044 |
| Equity capital to assets | 11.9083% | 1,976 |
| Core capital (leverage) ratio | 12.1090% | 1,502 |
| Tier 1 risk-based capital ratio | 14.1674% | 3,960 |
| Total risk-based capital ratio | 15.4363% | 3,916 |
| Memoranda: | ||
| Average total assets | $1,225,181,500 | 548 |
| Average earning assets | $1,142,368,000 | 527 |
| Average equity | $141,786,000 | 496 |
| Average total loans | $900,737,000 | 484 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3027% | 6,789 |
| Cost of funding earning assets | 1.2242% | 4,394 |
| Net interest margin | 3.0785% | 6,578 |
| Noninterest income to average assets | -0.6180% | 7,583 |
| Noninterest expense to average assets | 2.2375% | 6,517 |
| Loan and lease loss provision to assets | 1.2516% | 1,240 |
| Net operating income to assets | -1.2368% | 6,798 |
| Return on assets (ROA) | -1.2711% | 6,844 |
| Pretax return on assets | -1.3244% | 6,788 |
| Return on Equity (ROE) | -13.1610% | 6,846 |
| Retained earnings to average equity (ytd only) | -13.1610% | 6,800 |
| Net charge-offs to loans | 2.7227% | 663 |
| Credit loss provision to net charge-offs | 62.5402% | 6,039 |
| Earnings coverage of net charge-offs (x) | -0.0185% | 6,146 |
| Efficiency ratio | 101.6737% | 730 |
| Assets per employee ($millions) | 10.4661% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5936% | 550 |
| Loan loss allowance to noncurrent loans | 32.2951% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 12.3931% | 256 |
| Noncurrent loans to loans | 11.1273% | 348 |
| Net loans and leases to total assets | 70.2722% | 2,476 |
| Net loans and leases to deposits | 81.6187% | 2,882 |
| Net loans and leases to core deposits | 105.9377% | 1,195 |
| Total domestic deposits to total assets | 86.0981% | 3,310 |
| Equity capital to assets | 11.2534% | 2,449 |
| Core capital (leverage) ratio | 11.1592% | 2,040 |
| Tier 1 risk-based capital ratio | 13.7513% | 4,018 |
| Total risk-based capital ratio | 15.0243% | 3,987 |
| Memoranda: | ||
| Average total assets | $1,322,353,200 | 509 |
| Average earning assets | $1,210,656,400 | 502 |
| Average equity | $127,718,400 | 532 |
| Average total loans | $971,925,600 | 457 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 6,809 |
| Cost of funding earning assets | 1.2703% | 4,439 |
| Net interest margin | 3.1351% | 6,521 |
| Noninterest income to average assets | 0.1790% | 6,599 |
| Noninterest expense to average assets | 2.7007% | 4,875 |
| Loan and lease loss provision to assets | 0.9261% | 1,623 |
| Net operating income to assets | -0.5890% | 6,656 |
| Return on assets (ROA) | -0.5451% | 6,680 |
| Pretax return on assets | -0.5451% | 6,583 |
| Return on Equity (ROE) | -5.8710% | 6,706 |
| Retained earnings to average equity (ytd only) | -5.8710% | 6,619 |
| Net charge-offs to loans | 2.5639% | 649 |
| Credit loss provision to net charge-offs | 49.0480% | 5,900 |
| Earnings coverage of net charge-offs (x) | 0.1785% | 5,836 |
| Efficiency ratio | 88.8976% | 1,374 |
| Assets per employee ($millions) | 11.1062% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4879% | 544 |
| Loan loss allowance to noncurrent loans | 37.3914% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 10.3239% | 381 |
| Noncurrent loans to loans | 9.3280% | 492 |
| Net loans and leases to total assets | 68.2560% | 3,150 |
| Net loans and leases to deposits | 80.9772% | 3,269 |
| Net loans and leases to core deposits | 106.6996% | 1,264 |
| Total domestic deposits to total assets | 84.2904% | 3,965 |
| Equity capital to assets | 11.8170% | 2,271 |
| Core capital (leverage) ratio | 11.6783% | 1,828 |
| Tier 1 risk-based capital ratio | 14.3687% | 3,583 |
| Total risk-based capital ratio | 15.6406% | 3,543 |
| Memoranda: | ||
| Average total assets | $1,338,958,750 | 497 |
| Average earning assets | $1,220,923,750 | 494 |
| Average equity | $124,314,250 | 539 |
| Average total loans | $986,040,000 | 456 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 6,839 |
| Cost of funding earning assets | 1.3312% | 4,323 |
| Net interest margin | 3.0991% | 6,610 |
| Noninterest income to average assets | 0.1298% | 6,940 |
| Noninterest expense to average assets | 2.9179% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0170% | 6,057 |
| Return on assets (ROA) | 0.0036% | 6,182 |
| Pretax return on assets | 0.0036% | 6,149 |
| Return on Equity (ROE) | 0.0425% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.0425% | 5,718 |
| Net charge-offs to loans | 2.0583% | 880 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.0111% | 5,705 |
| Efficiency ratio | 99.4089% | 823 |
| Assets per employee ($millions) | 10.9384% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3602% | 611 |
| Loan loss allowance to noncurrent loans | 34.6163% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 12.0155% | 269 |
| Noncurrent loans to loans | 9.7069% | 464 |
| Net loans and leases to total assets | 70.7086% | 2,745 |
| Net loans and leases to deposits | 84.2210% | 2,832 |
| Net loans and leases to core deposits | 113.4000% | 952 |
| Total domestic deposits to total assets | 83.9560% | 4,125 |
| Equity capital to assets | 12.2672% | 1,942 |
| Core capital (leverage) ratio | 12.0542% | 1,614 |
| Tier 1 risk-based capital ratio | 14.2924% | 3,549 |
| Total risk-based capital ratio | 15.5623% | 3,506 |
| Memoranda: | ||
| Average total assets | $1,337,329,000 | 496 |
| Average earning assets | $1,210,487,670 | 497 |
| Average equity | $112,818,330 | 583 |
| Average total loans | $997,918,000 | 456 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5673% | 6,644 |
| Cost of funding earning assets | 1.3808% | 4,302 |
| Net interest margin | 3.1865% | 6,331 |
| Noninterest income to average assets | 0.3449% | 5,383 |
| Noninterest expense to average assets | 2.2845% | 6,426 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9454% | 2,377 |
| Return on assets (ROA) | 0.9251% | 2,516 |
| Pretax return on assets | 0.9251% | 3,368 |
| Return on Equity (ROE) | 14.1244% | 1,033 |
| Retained earnings to average equity (ytd only) | 14.1244% | 495 |
| Net charge-offs to loans | 2.2677% | 749 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.5534% | 4,538 |
| Efficiency ratio | 70.7205% | 4,176 |
| Assets per employee ($millions) | 11.2303% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7768% | 442 |
| Loan loss allowance to noncurrent loans | 33.9401% | 6,127 |
| Noncurrent assets plus other real estate owned to assets | 12.8191% | 218 |
| Noncurrent loans to loans | 11.1278% | 348 |
| Net loans and leases to total assets | 68.3691% | 3,301 |
| Net loans and leases to deposits | 76.7058% | 4,282 |
| Net loans and leases to core deposits | 107.3585% | 1,469 |
| Total domestic deposits to total assets | 89.1316% | 1,450 |
| Equity capital to assets | 6.5675% | 7,511 |
| Core capital (leverage) ratio | 6.6820% | 7,399 |
| Tier 1 risk-based capital ratio | 8.0248% | 7,609 |
| Total risk-based capital ratio | 9.2991% | 7,616 |
| Memoranda: | ||
| Average total assets | $1,344,218,500 | 507 |
| Average earning assets | $1,216,997,000 | 512 |
| Average equity | $88,046,500 | 750 |
| Average total loans | $1,012,675,000 | 470 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6651% | 7,191 |
| Cost of funding earning assets | 1.8071% | 3,952 |
| Net interest margin | 2.8581% | 6,942 |
| Noninterest income to average assets | -0.0397% | 7,759 |
| Noninterest expense to average assets | 3.1967% | 3,389 |
| Loan and lease loss provision to assets | 5.1044% | 179 |
| Net operating income to assets | -5.1762% | 7,763 |
| Return on assets (ROA) | -5.1965% | 7,758 |
| Pretax return on assets | -5.7788% | 7,784 |
| Return on Equity (ROE) | -60.5735% | 7,757 |
| Retained earnings to average equity (ytd only) | -61.2249% | 7,755 |
| Net charge-offs to loans | 4.8651% | 281 |
| Credit loss provision to net charge-offs | 128.6682% | 4,004 |
| Earnings coverage of net charge-offs (x) | -0.1643% | 6,403 |
| Efficiency ratio | 125.6067% | 516 |
| Assets per employee ($millions) | 10.3739% | 240 |
| Cash dividends to net income (ytd only)* | -1.0753% | 7,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1010% | 334 |
| Loan loss allowance to noncurrent loans | 29.5504% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 15.7800% | 120 |
| Noncurrent loans to loans | 13.8781% | 211 |
| Net loans and leases to total assets | 76.5866% | 1,677 |
| Net loans and leases to deposits | 86.2430% | 2,871 |
| Net loans and leases to core deposits | 119.7804% | 1,960 |
| Total domestic deposits to total assets | 88.8033% | 1,571 |
| Equity capital to assets | 6.5315% | 7,552 |
| Core capital (leverage) ratio | 6.1594% | 7,596 |
| Tier 1 risk-based capital ratio | 7.2381% | 7,723 |
| Total risk-based capital ratio | 8.5154% | 7,728 |
| Memoranda: | ||
| Average total assets | $1,395,850,600 | 490 |
| Average earning assets | $1,262,258,800 | 482 |
| Average equity | $119,747,000 | 550 |
| Average total loans | $1,138,217,000 | 429 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 7,245 |
| Cost of funding earning assets | 1.8754% | 4,013 |
| Net interest margin | 2.8499% | 6,966 |
| Noninterest income to average assets | -0.1824% | 7,971 |
| Noninterest expense to average assets | 3.3033% | 2,910 |
| Loan and lease loss provision to assets | 6.6052% | 83 |
| Net operating income to assets | -4.2518% | 7,773 |
| Return on assets (ROA) | -4.1499% | 7,769 |
| Pretax return on assets | -7.3534% | 7,975 |
| Return on Equity (ROE) | -45.8520% | 7,800 |
| Retained earnings to average equity (ytd only) | -46.6623% | 7,802 |
| Net charge-offs to loans | 6.0989% | 141 |
| Credit loss provision to net charge-offs | 132.1880% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.1816% | 6,268 |
| Efficiency ratio | 137.8674% | 402 |
| Assets per employee ($millions) | 11.0273% | 213 |
| Cash dividends to net income (ytd only)* | -1.7673% | 7,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0749% | 282 |
| Loan loss allowance to noncurrent loans | 25.8876% | 6,729 |
| Noncurrent assets plus other real estate owned to assets | 14.6769% | 126 |
| Noncurrent loans to loans | 15.7409% | 129 |
| Net loans and leases to total assets | 74.6154% | 2,335 |
| Net loans and leases to deposits | 86.6702% | 3,192 |
| Net loans and leases to core deposits | 123.8076% | 1,920 |
| Total domestic deposits to total assets | 86.0912% | 2,659 |
| Equity capital to assets | 8.1833% | 6,659 |
| Core capital (leverage) ratio | 5.8190% | 7,830 |
| Tier 1 risk-based capital ratio | 6.0612% | 7,952 |
| Total risk-based capital ratio | 7.3370% | 7,954 |
| Memoranda: | ||
| Average total assets | $1,418,034,750 | 493 |
| Average earning assets | $1,282,878,500 | 490 |
| Average equity | $128,340,250 | 531 |
| Average total loans | $1,161,800,250 | 434 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1519% | 6,247 |
| Cost of funding earning assets | 2.0204% | 3,678 |
| Net interest margin | 3.1315% | 6,148 |
| Noninterest income to average assets | 0.2455% | 6,530 |
| Noninterest expense to average assets | 2.2623% | 6,879 |
| Loan and lease loss provision to assets | 3.0822% | 486 |
| Net operating income to assets | -1.1137% | 7,060 |
| Return on assets (ROA) | -1.1421% | 7,086 |
| Pretax return on assets | -2.3011% | 7,374 |
| Return on Equity (ROE) | -12.2384% | 7,185 |
| Retained earnings to average equity (ytd only) | -13.4094% | 7,146 |
| Net charge-offs to loans | 3.4783% | 451 |
| Credit loss provision to net charge-offs | 106.4087% | 4,328 |
| Earnings coverage of net charge-offs (x) | 0.2849% | 5,391 |
| Efficiency ratio | 73.2610% | 4,147 |
| Assets per employee ($millions) | 10.5023% | 233 |
| Cash dividends to net income (ytd only)* | -9.5682% | 7,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4701% | 929 |
| Loan loss allowance to noncurrent loans | 32.0412% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 10.0174% | 292 |
| Noncurrent loans to loans | 7.7092% | 590 |
| Net loans and leases to total assets | 81.7269% | 1,002 |
| Net loans and leases to deposits | 97.8676% | 1,540 |
| Net loans and leases to core deposits | 165.5815% | 375 |
| Total domestic deposits to total assets | 83.5076% | 4,010 |
| Equity capital to assets | 9.5272% | 4,576 |
| Core capital (leverage) ratio | 9.3923% | 4,036 |
| Tier 1 risk-based capital ratio | 10.7889% | 6,095 |
| Total risk-based capital ratio | 12.0512% | 6,018 |
| Memoranda: | ||
| Average total assets | $1,427,567,670 | 502 |
| Average earning assets | $1,295,668,670 | 497 |
| Average equity | $133,219,670 | 520 |
| Average total loans | $1,188,809,000 | 439 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 6,729 |
| Cost of funding earning assets | 2.1628% | 3,358 |
| Net interest margin | 2.9106% | 6,719 |
| Noninterest income to average assets | 0.2386% | 6,548 |
| Noninterest expense to average assets | 1.7067% | 7,819 |
| Loan and lease loss provision to assets | 1.7961% | 686 |
| Net operating income to assets | -0.3687% | 6,751 |
| Return on assets (ROA) | -0.3625% | 6,823 |
| Pretax return on assets | -0.5898% | 6,894 |
| Return on Equity (ROE) | -3.9231% | 6,887 |
| Retained earnings to average equity (ytd only) | -6.2377% | 6,716 |
| Net charge-offs to loans | 0.8583% | 1,524 |
| Credit loss provision to net charge-offs | 252.0200% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1.6791% | 3,890 |
| Efficiency ratio | 58.7741% | 6,577 |
| Assets per employee ($millions) | 10.4671% | 236 |
| Cash dividends to net income (ytd only)* | -59.0015% | 8,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5926% | 699 |
| Loan loss allowance to noncurrent loans | 35.9831% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 8.9864% | 279 |
| Noncurrent loans to loans | 7.2050% | 544 |
| Net loans and leases to total assets | 80.9212% | 1,219 |
| Net loans and leases to deposits | 96.2583% | 1,906 |
| Net loans and leases to core deposits | 166.2559% | 405 |
| Total domestic deposits to total assets | 84.0666% | 3,675 |
| Equity capital to assets | 9.2116% | 5,077 |
| Core capital (leverage) ratio | 9.5094% | 3,971 |
| Tier 1 risk-based capital ratio | 10.6081% | 6,285 |
| Total risk-based capital ratio | 11.8712% | 6,192 |
| Memoranda: | ||
| Average total assets | $1,458,703,500 | 497 |
| Average earning assets | $1,335,515,000 | 494 |
| Average equity | $134,792,500 | 513 |
| Average total loans | $1,211,176,500 | 440 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0764% | 5,161 |
| Cost of funding earning assets | 2.4458% | 4,502 |
| Net interest margin | 3.6307% | 4,750 |
| Noninterest income to average assets | 0.3222% | 6,147 |
| Noninterest expense to average assets | 1.5382% | 8,018 |
| Loan and lease loss provision to assets | 2.0240% | 591 |
| Net operating income to assets | 0.1929% | 5,870 |
| Return on assets (ROA) | -0.3320% | 6,632 |
| Pretax return on assets | -0.6550% | 6,775 |
| Return on Equity (ROE) | -3.4368% | 6,679 |
| Retained earnings to average equity (ytd only) | -6.5815% | 6,735 |
| Net charge-offs to loans | 1.5188% | 761 |
| Credit loss provision to net charge-offs | 165.0019% | 3,117 |
| Earnings coverage of net charge-offs (x) | 1.7846% | 5,184 |
| Efficiency ratio | 41.2630% | 8,097 |
| Assets per employee ($millions) | 10.4466% | 228 |
| Cash dividends to net income (ytd only)* | -91.5004% | 8,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1879% | 963 |
| Loan loss allowance to noncurrent loans | 40.4502% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 6.8568% | 389 |
| Noncurrent loans to loans | 5.4090% | 768 |
| Net loans and leases to total assets | 81.1728% | 1,400 |
| Net loans and leases to deposits | 95.7550% | 2,479 |
| Net loans and leases to core deposits | 156.0421% | 666 |
| Total domestic deposits to total assets | 84.7714% | 2,945 |
| Equity capital to assets | 9.2685% | 4,974 |
| Core capital (leverage) ratio | 9.7589% | 3,702 |
| Tier 1 risk-based capital ratio | 10.3921% | 6,322 |
| Total risk-based capital ratio | 11.6510% | 6,190 |
| Memoranda: | ||
| Average total assets | $1,509,865,800 | 463 |
| Average earning assets | $1,416,082,000 | 452 |
| Average equity | $145,834,000 | 475 |
| Average total loans | $1,219,459,400 | 418 |