Home > Provident Savings Bank, F.S.B. > Performance and Condition Ratios
Provident Savings Bank, F.S.B., Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0282% | 3,802 |
| Cost of funding earning assets | 1.0992% | 2,742 |
| Net interest margin | 2.9289% | 3,483 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1308% | 3,268 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6632% | 3,400 |
| Return on assets (ROA) | 0.6632% | 3,388 |
| Pretax return on assets | 0.9649% | 2,947 |
| Return on Equity (ROE) | 7.1000% | 3,404 |
| Retained earnings to average equity (ytd only) | -0.5102% | 4,213 |
| Net charge-offs to loans | -0.0004% | 3,434 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.4390% | 2,080 |
| Assets per employee ($millions) | 8.3107% | 1,207 |
| Cash dividends to net income (ytd only)* | 107.1811% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 4,115 |
| Loan loss allowance to noncurrent loans | 540.3941% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 2,853 |
| Noncurrent loans to loans | 0.1316% | 2,893 |
| Net loans and leases to total assets | 81.6500% | 463 |
| Net loans and leases to deposits | 113.4651% | 140 |
| Net loans and leases to core deposits | 133.0980% | 305 |
| Total domestic deposits to total assets | 71.9600% | 4,255 |
| Equity capital to assets | 9.1525% | 2,322 |
| Core capital (leverage) ratio | 9.2461% | 3,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0574% | 809 |
| Memoranda: | ||
| Average total assets | $1,313,070,500 | 800 |
| Average earning assets | $1,272,603,250 | 752 |
| Average equity | $122,558,750 | 802 |
| Average total loans | $1,073,323,750 | 689 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9403% | 3,806 |
| Cost of funding earning assets | 0.9884% | 2,642 |
| Net interest margin | 2.9519% | 3,556 |
| Noninterest income to average assets | 0.3500% | 2,761 |
| Noninterest expense to average assets | 2.1742% | 3,157 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6901% | 3,364 |
| Return on assets (ROA) | 0.6901% | 3,364 |
| Pretax return on assets | 1.0169% | 2,865 |
| Return on Equity (ROE) | 7.3500% | 3,399 |
| Retained earnings to average equity (ytd only) | 7.3465% | 2,176 |
| Net charge-offs to loans | -0.0006% | 3,401 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.7681% | 2,008 |
| Assets per employee ($millions) | 8.2789% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5487% | 4,343 |
| Loan loss allowance to noncurrent loans | 413.4910% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.1079% | 2,788 |
| Noncurrent loans to loans | 0.1327% | 2,809 |
| Net loans and leases to total assets | 80.8500% | 539 |
| Net loans and leases to deposits | 112.5091% | 166 |
| Net loans and leases to core deposits | 133.4352% | 282 |
| Total domestic deposits to total assets | 71.8600% | 4,298 |
| Equity capital to assets | 9.4491% | 2,186 |
| Core capital (leverage) ratio | 9.5946% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3767% | 775 |
| Memoranda: | ||
| Average total assets | $1,313,063,000 | 787 |
| Average earning assets | $1,272,545,667 | 744 |
| Average equity | $123,351,333 | 790 |
| Average total loans | $1,071,148,667 | 674 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8248% | 3,808 |
| Cost of funding earning assets | 0.8262% | 2,623 |
| Net interest margin | 2.9986% | 3,603 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.0854% | 3,412 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.7744% | 3,278 |
| Return on assets (ROA) | 0.7744% | 3,234 |
| Pretax return on assets | 1.0973% | 2,714 |
| Return on Equity (ROE) | 8.2700% | 3,226 |
| Retained earnings to average equity (ytd only) | 8.2685% | 2,148 |
| Net charge-offs to loans | -0.0008% | 3,296 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.4714% | 2,393 |
| Assets per employee ($millions) | 8.3453% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5537% | 4,403 |
| Loan loss allowance to noncurrent loans | 582.5243% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 3,029 |
| Noncurrent loans to loans | 0.0950% | 3,072 |
| Net loans and leases to total assets | 80.7100% | 478 |
| Net loans and leases to deposits | 108.4484% | 209 |
| Net loans and leases to core deposits | 123.2672% | 380 |
| Total domestic deposits to total assets | 74.4200% | 4,263 |
| Equity capital to assets | 9.2439% | 2,321 |
| Core capital (leverage) ratio | 9.5901% | 3,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7806% | 870 |
| Memoranda: | ||
| Average total assets | $1,303,139,500 | 809 |
| Average earning assets | $1,262,197,500 | 766 |
| Average equity | $122,053,000 | 808 |
| Average total loans | $1,064,935,500 | 690 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 3,474 |
| Cost of funding earning assets | 0.3540% | 2,449 |
| Net interest margin | 2.9949% | 3,465 |
| Noninterest income to average assets | 0.3400% | 3,074 |
| Noninterest expense to average assets | 2.1776% | 3,082 |
| Loan and lease loss provision to assets | -0.0700% | 4,460 |
| Net operating income to assets | 0.7823% | 3,390 |
| Return on assets (ROA) | 0.7823% | 3,322 |
| Pretax return on assets | 1.1184% | 2,712 |
| Return on Equity (ROE) | 7.8500% | 3,425 |
| Retained earnings to average equity (ytd only) | 0.0025% | 4,340 |
| Net charge-offs to loans | -0.0018% | 3,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.4056% | 2,036 |
| Assets per employee ($millions) | 7.8946% | 1,377 |
| Cash dividends to net income (ytd only)* | 99.9684% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5573% | 4,392 |
| Loan loss allowance to noncurrent loans | 559.5010% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 2,977 |
| Noncurrent loans to loans | 0.0996% | 3,050 |
| Net loans and leases to total assets | 81.8500% | 422 |
| Net loans and leases to deposits | 108.6208% | 185 |
| Net loans and leases to core deposits | 114.9465% | 464 |
| Total domestic deposits to total assets | 75.3500% | 4,292 |
| Equity capital to assets | 9.4944% | 2,019 |
| Core capital (leverage) ratio | 9.5531% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7425% | 866 |
| Memoranda: | ||
| Average total assets | $1,214,825,800 | 848 |
| Average earning assets | $1,172,758,400 | 808 |
| Average equity | $121,103,200 | 807 |
| Average total loans | $949,889,800 | 720 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 3,373 |
| Cost of funding earning assets | 0.2720% | 2,468 |
| Net interest margin | 2.9524% | 3,357 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.2045% | 2,921 |
| Loan and lease loss provision to assets | -0.1100% | 4,594 |
| Net operating income to assets | 0.7644% | 3,373 |
| Return on assets (ROA) | 0.7644% | 3,321 |
| Pretax return on assets | 1.0974% | 2,732 |
| Return on Equity (ROE) | 7.5700% | 3,445 |
| Retained earnings to average equity (ytd only) | -2.8776% | 4,533 |
| Net charge-offs to loans | -0.0023% | 3,293 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.0550% | 1,881 |
| Assets per employee ($millions) | 7.7868% | 1,430 |
| Cash dividends to net income (ytd only)* | 138.0012% | 92 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5640% | 4,411 |
| Loan loss allowance to noncurrent loans | 536.9524% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 3,078 |
| Noncurrent loans to loans | 0.1050% | 3,130 |
| Net loans and leases to total assets | 79.7800% | 547 |
| Net loans and leases to deposits | 99.3316% | 391 |
| Net loans and leases to core deposits | 104.2559% | 644 |
| Total domestic deposits to total assets | 80.3100% | 4,066 |
| Equity capital to assets | 9.4630% | 1,905 |
| Core capital (leverage) ratio | 9.7397% | 2,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5382% | 919 |
| Memoranda: | ||
| Average total assets | $1,200,773,000 | 856 |
| Average earning assets | $1,158,771,750 | 822 |
| Average equity | $121,209,750 | 818 |
| Average total loans | $925,820,500 | 734 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1385% | 3,213 |
| Cost of funding earning assets | 0.2501% | 2,271 |
| Net interest margin | 2.8884% | 3,201 |
| Noninterest income to average assets | 0.3561% | 3,019 |
| Noninterest expense to average assets | 2.2094% | 2,819 |
| Loan and lease loss provision to assets | -0.1781% | 4,668 |
| Net operating income to assets | 0.7678% | 3,077 |
| Return on assets (ROA) | 0.7678% | 3,040 |
| Pretax return on assets | 1.1105% | 2,367 |
| Return on Equity (ROE) | 7.4432% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.4432% | 1,833 |
| Net charge-offs to loans | -0.0027% | 3,182 |
| Credit loss provision to net charge-offs | 8,800.0000% | 63 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3226% | 1,912 |
| Assets per employee ($millions) | 7.3272% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5884% | 4,470 |
| Loan loss allowance to noncurrent loans | 368.2330% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 2,819 |
| Noncurrent loans to loans | 0.1598% | 2,897 |
| Net loans and leases to total assets | 79.1905% | 466 |
| Net loans and leases to deposits | 97.4480% | 368 |
| Net loans and leases to core deposits | 99.4511% | 691 |
| Total domestic deposits to total assets | 81.2644% | 4,095 |
| Equity capital to assets | 10.5202% | 1,417 |
| Core capital (leverage) ratio | 10.4715% | 1,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4681% | 661 |
| Memoranda: | ||
| Average total assets | $1,185,732,667 | 863 |
| Average earning assets | $1,143,613,000 | 835 |
| Average equity | $122,313,333 | 820 |
| Average total loans | $901,234,000 | 736 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9760% | 3,321 |
| Cost of funding earning assets | 0.2522% | 2,131 |
| Net interest margin | 2.7237% | 3,357 |
| Noninterest income to average assets | 0.3436% | 3,036 |
| Noninterest expense to average assets | 2.2847% | 2,560 |
| Loan and lease loss provision to assets | -0.2177% | 4,700 |
| Net operating income to assets | 0.6406% | 3,260 |
| Return on assets (ROA) | 0.6406% | 3,241 |
| Pretax return on assets | 0.9046% | 2,759 |
| Return on Equity (ROE) | 6.2727% | 3,260 |
| Retained earnings to average equity (ytd only) | 6.2727% | 2,148 |
| Net charge-offs to loans | -0.0027% | 3,160 |
| Credit loss provision to net charge-offs | 10,750.0000% | 45 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8855% | 1,426 |
| Assets per employee ($millions) | 7.2871% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 4,441 |
| Loan loss allowance to noncurrent loans | 265.9982% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 2,498 |
| Noncurrent loans to loans | 0.2495% | 2,593 |
| Net loans and leases to total assets | 75.2286% | 554 |
| Net loans and leases to deposits | 91.8410% | 436 |
| Net loans and leases to core deposits | 93.7888% | 742 |
| Total domestic deposits to total assets | 81.9118% | 4,085 |
| Equity capital to assets | 10.2768% | 1,702 |
| Core capital (leverage) ratio | 10.2737% | 2,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2882% | 716 |
| Memoranda: | ||
| Average total assets | $1,185,098,500 | 868 |
| Average earning assets | $1,143,430,000 | 841 |
| Average equity | $121,032,500 | 851 |
| Average total loans | $879,073,000 | 742 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0795% | 3,727 |
| Cost of funding earning assets | 0.3190% | 2,207 |
| Net interest margin | 2.7605% | 3,752 |
| Noninterest income to average assets | 0.3627% | 3,259 |
| Noninterest expense to average assets | 2.0142% | 3,638 |
| Loan and lease loss provision to assets | -0.2005% | 4,700 |
| Net operating income to assets | 0.8988% | 3,053 |
| Return on assets (ROA) | 0.8988% | 3,109 |
| Pretax return on assets | 1.2152% | 2,614 |
| Return on Equity (ROE) | 8.9825% | 2,917 |
| Retained earnings to average equity (ytd only) | 2.6502% | 3,780 |
| Net charge-offs to loans | -0.0516% | 4,340 |
| Credit loss provision to net charge-offs | 535.6659% | 773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4984% | 2,194 |
| Assets per employee ($millions) | 6.9553% | 1,959 |
| Cash dividends to net income (ytd only)* | 70.4953% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 4,316 |
| Loan loss allowance to noncurrent loans | 193.7830% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 2,091 |
| Noncurrent loans to loans | 0.3972% | 2,166 |
| Net loans and leases to total assets | 72.0573% | 838 |
| Net loans and leases to deposits | 87.8580% | 659 |
| Net loans and leases to core deposits | 89.8250% | 980 |
| Total domestic deposits to total assets | 82.0157% | 3,963 |
| Equity capital to assets | 10.1487% | 2,518 |
| Core capital (leverage) ratio | 10.0223% | 2,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7879% | 680 |
| Memoranda: | ||
| Average total assets | $1,183,640,400 | 836 |
| Average earning assets | $1,143,220,400 | 808 |
| Average equity | $118,441,800 | 875 |
| Average total loans | $859,170,600 | 755 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0652% | 3,880 |
| Cost of funding earning assets | 0.3263% | 2,337 |
| Net interest margin | 2.7389% | 3,903 |
| Noninterest income to average assets | 0.3577% | 3,314 |
| Noninterest expense to average assets | 1.9272% | 3,874 |
| Loan and lease loss provision to assets | -0.1471% | 4,682 |
| Net operating income to assets | 0.9176% | 3,188 |
| Return on assets (ROA) | 0.9176% | 3,259 |
| Pretax return on assets | 1.2232% | 2,856 |
| Return on Equity (ROE) | 9.2024% | 3,040 |
| Retained earnings to average equity (ytd only) | 0.7319% | 4,462 |
| Net charge-offs to loans | -0.0281% | 4,104 |
| Credit loss provision to net charge-offs | 721.5470% | 631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1681% | 2,361 |
| Assets per employee ($millions) | 7.2699% | 1,700 |
| Cash dividends to net income (ytd only)* | 92.0471% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8556% | 4,260 |
| Loan loss allowance to noncurrent loans | 101.2290% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.6142% | 1,240 |
| Noncurrent loans to loans | 0.8452% | 1,349 |
| Net loans and leases to total assets | 72.0509% | 870 |
| Net loans and leases to deposits | 88.3470% | 696 |
| Net loans and leases to core deposits | 90.1993% | 1,022 |
| Total domestic deposits to total assets | 81.5545% | 4,005 |
| Equity capital to assets | 9.8383% | 3,072 |
| Core capital (leverage) ratio | 9.8133% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1157% | 796 |
| Memoranda: | ||
| Average total assets | $1,183,950,500 | 848 |
| Average earning assets | $1,143,662,750 | 819 |
| Average equity | $118,052,750 | 887 |
| Average total loans | $859,309,750 | 771 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0340% | 3,980 |
| Cost of funding earning assets | 0.3400% | 2,407 |
| Net interest margin | 2.6940% | 3,992 |
| Noninterest income to average assets | 0.3703% | 3,261 |
| Noninterest expense to average assets | 1.9699% | 3,786 |
| Loan and lease loss provision to assets | -0.1637% | 4,726 |
| Net operating income to assets | 0.8872% | 3,256 |
| Return on assets (ROA) | 0.8872% | 3,332 |
| Pretax return on assets | 1.1671% | 3,001 |
| Return on Equity (ROE) | 8.8585% | 3,148 |
| Retained earnings to average equity (ytd only) | 8.8585% | 1,754 |
| Net charge-offs to loans | -0.0037% | 3,342 |
| Credit loss provision to net charge-offs | 6,043.7500% | 103 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2528% | 2,113 |
| Assets per employee ($millions) | 7.3513% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 4,202 |
| Loan loss allowance to noncurrent loans | 79.5366% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 999 |
| Noncurrent loans to loans | 1.1111% | 1,085 |
| Net loans and leases to total assets | 71.8983% | 983 |
| Net loans and leases to deposits | 89.7406% | 668 |
| Net loans and leases to core deposits | 91.7354% | 1,023 |
| Total domestic deposits to total assets | 80.1179% | 4,221 |
| Equity capital to assets | 10.2822% | 2,593 |
| Core capital (leverage) ratio | 10.1912% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7603% | 848 |
| Memoranda: | ||
| Average total assets | $1,181,180,333 | 842 |
| Average earning assets | $1,141,279,667 | 814 |
| Average equity | $118,304,333 | 877 |
| Average total loans | $856,930,333 | 771 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0425% | 3,998 |
| Cost of funding earning assets | 0.3416% | 2,601 |
| Net interest margin | 2.7009% | 3,964 |
| Noninterest income to average assets | 0.3722% | 3,235 |
| Noninterest expense to average assets | 2.3163% | 2,736 |
| Loan and lease loss provision to assets | -0.0678% | 4,679 |
| Net operating income to assets | 0.5814% | 3,990 |
| Return on assets (ROA) | 0.5814% | 4,044 |
| Pretax return on assets | 0.7342% | 3,944 |
| Return on Equity (ROE) | 5.8829% | 3,890 |
| Retained earnings to average equity (ytd only) | 5.8829% | 2,936 |
| Net charge-offs to loans | -0.0037% | 3,289 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6566% | 980 |
| Assets per employee ($millions) | 7.3411% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 3,907 |
| Loan loss allowance to noncurrent loans | 76.6462% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 931 |
| Noncurrent loans to loans | 1.2831% | 1,012 |
| Net loans and leases to total assets | 70.6553% | 1,199 |
| Net loans and leases to deposits | 88.6393% | 787 |
| Net loans and leases to core deposits | 90.6078% | 1,191 |
| Total domestic deposits to total assets | 79.7110% | 4,236 |
| Equity capital to assets | 9.8857% | 2,812 |
| Core capital (leverage) ratio | 9.9860% | 2,543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0185% | 787 |
| Memoranda: | ||
| Average total assets | $1,179,990,500 | 835 |
| Average earning assets | $1,140,499,000 | 802 |
| Average equity | $116,608,500 | 881 |
| Average total loans | $856,122,000 | 765 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5654% | 3,889 |
| Cost of funding earning assets | 0.5062% | 2,914 |
| Net interest margin | 3.0592% | 3,730 |
| Noninterest income to average assets | 0.3366% | 3,448 |
| Noninterest expense to average assets | 2.3864% | 3,165 |
| Loan and lease loss provision to assets | 0.1376% | 2,639 |
| Net operating income to assets | 0.5403% | 3,932 |
| Return on assets (ROA) | 0.5403% | 4,029 |
| Pretax return on assets | 0.7652% | 3,716 |
| Return on Equity (ROE) | 5.3967% | 3,779 |
| Retained earnings to average equity (ytd only) | 1.0515% | 4,210 |
| Net charge-offs to loans | -0.0040% | 4,079 |
| Credit loss provision to net charge-offs | -4,391.6667% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5544% | 1,623 |
| Assets per employee ($millions) | 7.0525% | 1,547 |
| Cash dividends to net income (ytd only)* | 80.5153% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,915 |
| Loan loss allowance to noncurrent loans | 75.7183% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.9632% | 1,001 |
| Noncurrent loans to loans | 1.3057% | 1,044 |
| Net loans and leases to total assets | 73.0392% | 1,154 |
| Net loans and leases to deposits | 92.3305% | 759 |
| Net loans and leases to core deposits | 94.6740% | 1,201 |
| Total domestic deposits to total assets | 79.1062% | 4,190 |
| Equity capital to assets | 9.8786% | 3,234 |
| Core capital (leverage) ratio | 9.7832% | 2,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5560% | 831 |
| Memoranda: | ||
| Average total assets | $1,149,290,600 | 782 |
| Average earning assets | $1,109,226,000 | 744 |
| Average equity | $115,070,400 | 857 |
| Average total loans | $907,778,800 | 703 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6828% | 3,835 |
| Cost of funding earning assets | 0.5245% | 3,083 |
| Net interest margin | 3.1583% | 3,599 |
| Noninterest income to average assets | 0.3386% | 3,452 |
| Noninterest expense to average assets | 2.4122% | 3,095 |
| Loan and lease loss provision to assets | 0.1797% | 2,190 |
| Net operating income to assets | 0.5600% | 3,882 |
| Return on assets (ROA) | 0.5600% | 3,970 |
| Pretax return on assets | 0.7940% | 3,662 |
| Return on Equity (ROE) | 5.5745% | 3,697 |
| Retained earnings to average equity (ytd only) | -0.2262% | 4,517 |
| Net charge-offs to loans | -0.0039% | 4,000 |
| Credit loss provision to net charge-offs | -5,711.1111% | 4,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2427% | 1,720 |
| Assets per employee ($millions) | 7.2639% | 1,343 |
| Cash dividends to net income (ytd only)* | 104.0583% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9503% | 3,888 |
| Loan loss allowance to noncurrent loans | 170.7562% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4199% | 2,487 |
| Noncurrent loans to loans | 0.5565% | 2,400 |
| Net loans and leases to total assets | 74.7415% | 1,279 |
| Net loans and leases to deposits | 96.1192% | 750 |
| Net loans and leases to core deposits | 98.7591% | 1,261 |
| Total domestic deposits to total assets | 77.7592% | 4,233 |
| Equity capital to assets | 9.6323% | 3,571 |
| Core capital (leverage) ratio | 9.6404% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1859% | 1,027 |
| Memoranda: | ||
| Average total assets | $1,143,932,750 | 772 |
| Average earning assets | $1,103,728,500 | 737 |
| Average equity | $114,925,250 | 852 |
| Average total loans | $918,817,500 | 693 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 3,961 |
| Cost of funding earning assets | 0.5481% | 3,250 |
| Net interest margin | 3.2155% | 3,624 |
| Noninterest income to average assets | 0.3634% | 3,305 |
| Noninterest expense to average assets | 2.4540% | 3,090 |
| Loan and lease loss provision to assets | 0.2339% | 1,802 |
| Net operating income to assets | 0.5495% | 3,886 |
| Return on assets (ROA) | 0.5495% | 3,969 |
| Pretax return on assets | 0.7766% | 3,655 |
| Return on Equity (ROE) | 5.3915% | 3,718 |
| Retained earnings to average equity (ytd only) | 5.3915% | 2,312 |
| Net charge-offs to loans | -0.0047% | 4,003 |
| Credit loss provision to net charge-offs | -6,009.0909% | 4,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8333% | 1,843 |
| Assets per employee ($millions) | 6.6113% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 3,973 |
| Loan loss allowance to noncurrent loans | 155.3279% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 2,510 |
| Noncurrent loans to loans | 0.5840% | 2,405 |
| Net loans and leases to total assets | 76.7160% | 1,039 |
| Net loans and leases to deposits | 99.7645% | 563 |
| Net loans and leases to core deposits | 102.9177% | 1,067 |
| Total domestic deposits to total assets | 76.8971% | 4,325 |
| Equity capital to assets | 9.9490% | 3,256 |
| Core capital (leverage) ratio | 10.1297% | 2,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7648% | 941 |
| Memoranda: | ||
| Average total assets | $1,130,571,000 | 770 |
| Average earning assets | $1,090,331,333 | 734 |
| Average equity | $115,217,667 | 845 |
| Average total loans | $927,275,667 | 678 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0012% | 3,784 |
| Cost of funding earning assets | 0.5795% | 3,538 |
| Net interest margin | 3.4217% | 3,233 |
| Noninterest income to average assets | 0.3652% | 3,326 |
| Noninterest expense to average assets | 2.6623% | 2,805 |
| Loan and lease loss provision to assets | 0.3157% | 982 |
| Net operating income to assets | 0.4854% | 3,930 |
| Return on assets (ROA) | 0.4854% | 3,987 |
| Pretax return on assets | 0.6841% | 3,734 |
| Return on Equity (ROE) | 4.7040% | 3,740 |
| Retained earnings to average equity (ytd only) | 4.7040% | 2,413 |
| Net charge-offs to loans | -0.0064% | 3,927 |
| Credit loss provision to net charge-offs | -5,826.6667% | 3,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6995% | 1,972 |
| Assets per employee ($millions) | 6.0521% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 4,287 |
| Loan loss allowance to noncurrent loans | 201.3148% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 3,035 |
| Noncurrent loans to loans | 0.4207% | 2,984 |
| Net loans and leases to total assets | 82.5536% | 391 |
| Net loans and leases to deposits | 107.8224% | 237 |
| Net loans and leases to core deposits | 112.8282% | 719 |
| Total domestic deposits to total assets | 76.5644% | 4,416 |
| Equity capital to assets | 10.3874% | 3,433 |
| Core capital (leverage) ratio | 10.3578% | 3,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4468% | 1,076 |
| Memoranda: | ||
| Average total assets | $1,107,455,000 | 754 |
| Average earning assets | $1,067,071,000 | 717 |
| Average equity | $114,286,500 | 836 |
| Average total loans | $935,383,000 | 640 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2288% | 3,735 |
| Cost of funding earning assets | 0.5672% | 3,789 |
| Net interest margin | 3.6615% | 2,922 |
| Noninterest income to average assets | 0.5830% | 2,304 |
| Noninterest expense to average assets | 3.3158% | 1,263 |
| Loan and lease loss provision to assets | -0.0202% | 4,955 |
| Net operating income to assets | 0.5830% | 4,215 |
| Return on assets (ROA) | 0.5830% | 4,268 |
| Pretax return on assets | 0.8108% | 3,956 |
| Return on Equity (ROE) | 5.6952% | 4,008 |
| Retained earnings to average equity (ytd only) | -0.9128% | 4,800 |
| Net charge-offs to loans | -0.0091% | 4,445 |
| Credit loss provision to net charge-offs | 266.6667% | 1,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7472% | 881 |
| Assets per employee ($millions) | 6.0184% | 1,621 |
| Cash dividends to net income (ytd only)* | 116.0272% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 4,510 |
| Loan loss allowance to noncurrent loans | 196.6752% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 3,149 |
| Noncurrent loans to loans | 0.3709% | 3,114 |
| Net loans and leases to total assets | 85.0413% | 238 |
| Net loans and leases to deposits | 110.9357% | 173 |
| Net loans and leases to core deposits | 115.7275% | 611 |
| Total domestic deposits to total assets | 76.6581% | 4,525 |
| Equity capital to assets | 10.2520% | 3,674 |
| Core capital (leverage) ratio | 10.2434% | 3,254 |
| Tier 1 risk-based capital ratio | 16.6199% | 2,177 |
| Total risk-based capital ratio | 17.6546% | 2,193 |
| Memoranda: | ||
| Average total assets | $1,108,795,000 | 717 |
| Average earning assets | $1,066,954,800 | 678 |
| Average equity | $113,499,200 | 801 |
| Average total loans | $925,612,800 | 623 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 3,907 |
| Cost of funding earning assets | 0.5578% | 3,884 |
| Net interest margin | 3.6464% | 3,107 |
| Noninterest income to average assets | 0.6286% | 2,076 |
| Noninterest expense to average assets | 3.5285% | 916 |
| Loan and lease loss provision to assets | -0.0243% | 5,086 |
| Net operating income to assets | 0.4651% | 4,593 |
| Return on assets (ROA) | 0.4651% | 4,631 |
| Pretax return on assets | 0.6322% | 4,488 |
| Return on Equity (ROE) | 4.5453% | 4,469 |
| Retained earnings to average equity (ytd only) | -4.2657% | 5,034 |
| Net charge-offs to loans | -0.0101% | 4,378 |
| Credit loss provision to net charge-offs | 288.5714% | 973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3037% | 534 |
| Assets per employee ($millions) | 5.8791% | 1,691 |
| Cash dividends to net income (ytd only)* | 193.8485% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7441% | 4,562 |
| Loan loss allowance to noncurrent loans | 129.0557% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 2,584 |
| Noncurrent loans to loans | 0.5765% | 2,570 |
| Net loans and leases to total assets | 83.6279% | 392 |
| Net loans and leases to deposits | 108.8713% | 243 |
| Net loans and leases to core deposits | 113.6547% | 772 |
| Total domestic deposits to total assets | 76.8135% | 4,538 |
| Equity capital to assets | 10.0166% | 4,003 |
| Core capital (leverage) ratio | 10.2068% | 3,416 |
| Tier 1 risk-based capital ratio | 16.3228% | 2,326 |
| Total risk-based capital ratio | 17.3670% | 2,325 |
| Memoranda: | ||
| Average total assets | $1,109,149,000 | 717 |
| Average earning assets | $1,066,988,250 | 682 |
| Average equity | $113,491,750 | 800 |
| Average total loans | $919,853,500 | 626 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1844% | 3,962 |
| Cost of funding earning assets | 0.5550% | 3,861 |
| Net interest margin | 3.6294% | 3,165 |
| Noninterest income to average assets | 0.7601% | 1,476 |
| Noninterest expense to average assets | 4.0164% | 525 |
| Loan and lease loss provision to assets | -0.0038% | 5,099 |
| Net operating income to assets | 0.1929% | 5,004 |
| Return on assets (ROA) | 0.1929% | 5,011 |
| Pretax return on assets | 0.2395% | 4,990 |
| Return on Equity (ROE) | 1.8721% | 4,956 |
| Retained earnings to average equity (ytd only) | 1.8721% | 4,152 |
| Net charge-offs to loans | -0.0079% | 4,251 |
| Credit loss provision to net charge-offs | 58.3333% | 2,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4555% | 229 |
| Assets per employee ($millions) | 5.8011% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7977% | 4,450 |
| Loan loss allowance to noncurrent loans | 106.3740% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6132% | 2,190 |
| Noncurrent loans to loans | 0.7499% | 2,115 |
| Net loans and leases to total assets | 81.1135% | 716 |
| Net loans and leases to deposits | 103.0473% | 469 |
| Net loans and leases to core deposits | 106.9186% | 1,178 |
| Total domestic deposits to total assets | 78.7148% | 4,273 |
| Equity capital to assets | 10.6180% | 3,417 |
| Core capital (leverage) ratio | 10.4975% | 3,093 |
| Tier 1 risk-based capital ratio | 17.9985% | 1,809 |
| Total risk-based capital ratio | 19.1279% | 1,789 |
| Memoranda: | ||
| Average total assets | $1,110,442,000 | 714 |
| Average earning assets | $1,068,447,670 | 678 |
| Average equity | $114,419,000 | 787 |
| Average total loans | $916,057,000 | 626 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 3,905 |
| Cost of funding earning assets | 0.5647% | 3,758 |
| Net interest margin | 3.6254% | 3,156 |
| Noninterest income to average assets | 1.0719% | 695 |
| Noninterest expense to average assets | 4.5639% | 274 |
| Loan and lease loss provision to assets | 0.0014% | 3,397 |
| Net operating income to assets | 0.0267% | 5,129 |
| Return on assets (ROA) | 0.0267% | 5,131 |
| Pretax return on assets | -0.0071% | 5,146 |
| Return on Equity (ROE) | 0.2631% | 5,130 |
| Retained earnings to average equity (ytd only) | 0.2631% | 4,476 |
| Net charge-offs to loans | -0.0064% | 4,086 |
| Credit loss provision to net charge-offs | -26.6667% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1250% | 170 |
| Assets per employee ($millions) | 3.7562% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7686% | 4,612 |
| Loan loss allowance to noncurrent loans | 111.0937% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.5693% | 2,360 |
| Noncurrent loans to loans | 0.6919% | 2,289 |
| Net loans and leases to total assets | 81.6588% | 627 |
| Net loans and leases to deposits | 102.9054% | 454 |
| Net loans and leases to core deposits | 107.1670% | 1,093 |
| Total domestic deposits to total assets | 79.3533% | 4,287 |
| Equity capital to assets | 10.1924% | 3,630 |
| Core capital (leverage) ratio | 10.1749% | 3,419 |
| Tier 1 risk-based capital ratio | 17.2437% | 2,038 |
| Total risk-based capital ratio | 18.3384% | 2,025 |
| Memoranda: | ||
| Average total assets | $1,123,259,500 | 705 |
| Average earning assets | $1,080,157,500 | 671 |
| Average equity | $114,036,000 | 784 |
| Average total loans | $930,585,000 | 621 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 3,838 |
| Cost of funding earning assets | 0.5779% | 2,871 |
| Net interest margin | 3.4927% | 3,725 |
| Noninterest income to average assets | 1.4925% | 416 |
| Noninterest expense to average assets | 3.9999% | 532 |
| Loan and lease loss provision to assets | -0.0990% | 5,266 |
| Net operating income to assets | 0.6603% | 4,257 |
| Return on assets (ROA) | 0.6603% | 4,266 |
| Pretax return on assets | 0.9466% | 3,770 |
| Return on Equity (ROE) | 6.7183% | 3,923 |
| Retained earnings to average equity (ytd only) | 0.1378% | 4,945 |
| Net charge-offs to loans | -0.0137% | 4,584 |
| Credit loss provision to net charge-offs | 856.7164% | 419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5142% | 746 |
| Assets per employee ($millions) | 3.2297% | 4,800 |
| Cash dividends to net income (ytd only)* | 97.9496% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 4,672 |
| Loan loss allowance to noncurrent loans | 109.7280% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 2,330 |
| Noncurrent loans to loans | 0.6845% | 2,277 |
| Net loans and leases to total assets | 82.7720% | 546 |
| Net loans and leases to deposits | 105.1951% | 408 |
| Net loans and leases to core deposits | 109.8243% | 1,017 |
| Total domestic deposits to total assets | 78.6843% | 4,373 |
| Equity capital to assets | 10.1124% | 3,558 |
| Core capital (leverage) ratio | 9.9633% | 3,624 |
| Tier 1 risk-based capital ratio | 17.1673% | 2,008 |
| Total risk-based capital ratio | 18.2553% | 2,014 |
| Memoranda: | ||
| Average total assets | $1,159,707,000 | 662 |
| Average earning assets | $1,113,970,600 | 637 |
| Average equity | $113,972,400 | 749 |
| Average total loans | $978,320,800 | 569 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,887 |
| Cost of funding earning assets | 0.5733% | 2,677 |
| Net interest margin | 3.4391% | 3,897 |
| Noninterest income to average assets | 1.5643% | 398 |
| Noninterest expense to average assets | 4.0667% | 482 |
| Loan and lease loss provision to assets | -0.1063% | 5,353 |
| Net operating income to assets | 0.6297% | 4,423 |
| Return on assets (ROA) | 0.6297% | 4,437 |
| Pretax return on assets | 0.9076% | 3,997 |
| Return on Equity (ROE) | 6.4530% | 4,125 |
| Retained earnings to average equity (ytd only) | -2.3210% | 5,217 |
| Net charge-offs to loans | -0.0015% | 4,053 |
| Credit loss provision to net charge-offs | 8,463.6364% | 44 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5385% | 675 |
| Assets per employee ($millions) | 3.1886% | 4,894 |
| Cash dividends to net income (ytd only)* | 135.9681% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 4,771 |
| Loan loss allowance to noncurrent loans | 98.7850% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 2,187 |
| Noncurrent loans to loans | 0.7521% | 2,212 |
| Net loans and leases to total assets | 82.5851% | 619 |
| Net loans and leases to deposits | 103.9958% | 549 |
| Net loans and leases to core deposits | 108.3653% | 1,143 |
| Total domestic deposits to total assets | 79.4119% | 4,231 |
| Equity capital to assets | 9.6606% | 3,948 |
| Core capital (leverage) ratio | 9.5883% | 4,071 |
| Tier 1 risk-based capital ratio | 16.6224% | 2,232 |
| Total risk-based capital ratio | 17.7102% | 2,227 |
| Memoranda: | ||
| Average total assets | $1,167,843,250 | 651 |
| Average earning assets | $1,121,844,000 | 627 |
| Average equity | $113,969,750 | 747 |
| Average total loans | $987,892,000 | 564 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9874% | 3,822 |
| Cost of funding earning assets | 0.5652% | 2,475 |
| Net interest margin | 3.4223% | 3,889 |
| Noninterest income to average assets | 1.5922% | 392 |
| Noninterest expense to average assets | 4.1091% | 468 |
| Loan and lease loss provision to assets | -0.1185% | 5,440 |
| Net operating income to assets | 0.5928% | 4,515 |
| Return on assets (ROA) | 0.5928% | 4,517 |
| Pretax return on assets | 0.8876% | 3,995 |
| Return on Equity (ROE) | 6.0547% | 4,219 |
| Retained earnings to average equity (ytd only) | 6.0547% | 2,528 |
| Net charge-offs to loans | -0.0008% | 3,876 |
| Credit loss provision to net charge-offs | 17,350.0000% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2347% | 676 |
| Assets per employee ($millions) | 3.1261% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7338% | 4,859 |
| Loan loss allowance to noncurrent loans | 118.8254% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.6058% | 2,405 |
| Noncurrent loans to loans | 0.6176% | 2,565 |
| Net loans and leases to total assets | 84.9889% | 355 |
| Net loans and leases to deposits | 109.0256% | 311 |
| Net loans and leases to core deposits | 113.2408% | 825 |
| Total domestic deposits to total assets | 77.9532% | 4,597 |
| Equity capital to assets | 9.9205% | 3,703 |
| Core capital (leverage) ratio | 9.9641% | 3,615 |
| Tier 1 risk-based capital ratio | 16.8127% | 2,161 |
| Total risk-based capital ratio | 17.9023% | 2,157 |
| Memoranda: | ||
| Average total assets | $1,171,306,330 | 655 |
| Average earning assets | $1,124,639,330 | 631 |
| Average equity | $114,687,330 | 740 |
| Average total loans | $996,176,330 | 562 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9806% | 3,687 |
| Cost of funding earning assets | 0.5599% | 2,319 |
| Net interest margin | 3.4207% | 3,817 |
| Noninterest income to average assets | 1.6749% | 355 |
| Noninterest expense to average assets | 4.2273% | 393 |
| Loan and lease loss provision to assets | -0.1728% | 5,542 |
| Net operating income to assets | 0.6473% | 4,288 |
| Return on assets (ROA) | 0.6473% | 4,298 |
| Pretax return on assets | 0.9059% | 3,829 |
| Return on Equity (ROE) | 6.6545% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.6545% | 2,428 |
| Net charge-offs to loans | 0.0157% | 2,206 |
| Credit loss provision to net charge-offs | -1,294.8718% | 4,208 |
| Earnings coverage of net charge-offs (x) | 54.9487% | 892 |
| Efficiency ratio | 85.2207% | 694 |
| Assets per employee ($millions) | 2.9265% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 4,895 |
| Loan loss allowance to noncurrent loans | 109.1607% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 2,362 |
| Noncurrent loans to loans | 0.6958% | 2,472 |
| Net loans and leases to total assets | 83.6399% | 475 |
| Net loans and leases to deposits | 105.3582% | 411 |
| Net loans and leases to core deposits | 109.3803% | 1,037 |
| Total domestic deposits to total assets | 79.3862% | 4,511 |
| Equity capital to assets | 9.7587% | 3,831 |
| Core capital (leverage) ratio | 9.8326% | 3,726 |
| Tier 1 risk-based capital ratio | 16.7181% | 2,207 |
| Total risk-based capital ratio | 17.8400% | 2,191 |
| Memoranda: | ||
| Average total assets | $1,169,246,000 | 660 |
| Average earning assets | $1,123,048,500 | 637 |
| Average equity | $113,727,000 | 748 |
| Average total loans | $991,080,500 | 564 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,183 |
| Cost of funding earning assets | 0.5695% | 1,832 |
| Net interest margin | 3.1908% | 4,470 |
| Noninterest income to average assets | 2.1432% | 266 |
| Noninterest expense to average assets | 4.8056% | 250 |
| Loan and lease loss provision to assets | -0.0323% | 5,361 |
| Net operating income to assets | 0.1448% | 5,205 |
| Return on assets (ROA) | 0.1448% | 5,210 |
| Pretax return on assets | 0.4389% | 5,030 |
| Return on Equity (ROE) | 1.4976% | 5,156 |
| Retained earnings to average equity (ytd only) | -2.8508% | 5,337 |
| Net charge-offs to loans | -0.0067% | 4,698 |
| Credit loss provision to net charge-offs | 564.7059% | 572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1984% | 347 |
| Assets per employee ($millions) | 2.7278% | 5,367 |
| Cash dividends to net income (ytd only)* | 290.3600% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8151% | 4,782 |
| Loan loss allowance to noncurrent loans | 98.4036% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 2,056 |
| Noncurrent loans to loans | 0.8284% | 2,149 |
| Net loans and leases to total assets | 84.5558% | 389 |
| Net loans and leases to deposits | 106.5601% | 378 |
| Net loans and leases to core deposits | 110.0913% | 996 |
| Total domestic deposits to total assets | 79.3503% | 4,473 |
| Equity capital to assets | 9.6940% | 4,035 |
| Core capital (leverage) ratio | 9.5942% | 3,922 |
| Tier 1 risk-based capital ratio | 16.4425% | 2,288 |
| Total risk-based capital ratio | 17.6512% | 2,234 |
| Memoranda: | ||
| Average total assets | $1,189,509,600 | 631 |
| Average earning assets | $1,144,149,800 | 609 |
| Average equity | $114,985,600 | 711 |
| Average total loans | $1,018,204,400 | 534 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7451% | 4,196 |
| Cost of funding earning assets | 0.5670% | 1,764 |
| Net interest margin | 3.1781% | 4,514 |
| Noninterest income to average assets | 2.2182% | 267 |
| Noninterest expense to average assets | 4.9097% | 232 |
| Loan and lease loss provision to assets | -0.0416% | 5,508 |
| Net operating income to assets | 0.2571% | 5,289 |
| Return on assets (ROA) | 0.2571% | 5,306 |
| Pretax return on assets | 0.4076% | 5,175 |
| Return on Equity (ROE) | 2.6615% | 5,187 |
| Retained earnings to average equity (ytd only) | -3.1068% | 5,493 |
| Net charge-offs to loans | -0.0059% | 4,492 |
| Credit loss provision to net charge-offs | 828.8889% | 424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0628% | 314 |
| Assets per employee ($millions) | 2.6585% | 5,458 |
| Cash dividends to net income (ytd only)* | 216.7319% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7728% | 4,969 |
| Loan loss allowance to noncurrent loans | 95.5445% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 2,385 |
| Noncurrent loans to loans | 0.8088% | 2,340 |
| Net loans and leases to total assets | 86.7316% | 213 |
| Net loans and leases to deposits | 109.7611% | 284 |
| Net loans and leases to core deposits | 113.5297% | 864 |
| Total domestic deposits to total assets | 79.0185% | 4,527 |
| Equity capital to assets | 9.4660% | 4,476 |
| Core capital (leverage) ratio | 9.5382% | 4,112 |
| Tier 1 risk-based capital ratio | 15.7929% | 2,594 |
| Total risk-based capital ratio | 16.9524% | 2,565 |
| Memoranda: | ||
| Average total assets | $1,196,379,000 | 627 |
| Average earning assets | $1,150,981,500 | 610 |
| Average equity | $115,570,250 | 710 |
| Average total loans | $1,025,095,500 | 532 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,182 |
| Cost of funding earning assets | 0.5667% | 1,672 |
| Net interest margin | 3.1473% | 4,552 |
| Noninterest income to average assets | 2.2708% | 261 |
| Noninterest expense to average assets | 4.7474% | 263 |
| Loan and lease loss provision to assets | -0.0905% | 5,640 |
| Net operating income to assets | 0.3981% | 4,980 |
| Return on assets (ROA) | 0.3981% | 5,009 |
| Pretax return on assets | 0.6403% | 4,719 |
| Return on Equity (ROE) | 4.0935% | 4,803 |
| Retained earnings to average equity (ytd only) | 4.0935% | 3,275 |
| Net charge-offs to loans | -0.0373% | 5,042 |
| Credit loss provision to net charge-offs | 285.2632% | 992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6219% | 472 |
| Assets per employee ($millions) | 2.5873% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 4,990 |
| Loan loss allowance to noncurrent loans | 96.8321% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 2,147 |
| Noncurrent loans to loans | 0.8064% | 2,383 |
| Net loans and leases to total assets | 85.0874% | 338 |
| Net loans and leases to deposits | 108.3377% | 308 |
| Net loans and leases to core deposits | 112.1607% | 902 |
| Total domestic deposits to total assets | 78.5390% | 4,720 |
| Equity capital to assets | 9.8129% | 4,116 |
| Core capital (leverage) ratio | 9.8966% | 3,660 |
| Tier 1 risk-based capital ratio | 16.1378% | 2,446 |
| Total risk-based capital ratio | 17.2797% | 2,431 |
| Memoranda: | ||
| Average total assets | $1,197,280,000 | 632 |
| Average earning assets | $1,151,267,670 | 608 |
| Average equity | $116,429,330 | 709 |
| Average total loans | $1,019,008,330 | 535 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6832% | 4,158 |
| Cost of funding earning assets | 0.5716% | 1,568 |
| Net interest margin | 3.1115% | 4,623 |
| Noninterest income to average assets | 2.2394% | 269 |
| Noninterest expense to average assets | 4.5905% | 307 |
| Loan and lease loss provision to assets | -0.0552% | 5,719 |
| Net operating income to assets | 0.4295% | 4,861 |
| Return on assets (ROA) | 0.4295% | 4,880 |
| Pretax return on assets | 0.6942% | 4,470 |
| Return on Equity (ROE) | 4.4374% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.4374% | 3,209 |
| Net charge-offs to loans | -0.0193% | 4,730 |
| Credit loss provision to net charge-offs | 336.7347% | 731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7815% | 675 |
| Assets per employee ($millions) | 2.4229% | 5,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8322% | 4,982 |
| Loan loss allowance to noncurrent loans | 89.9848% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.9976% | 1,831 |
| Noncurrent loans to loans | 0.9249% | 2,192 |
| Net loans and leases to total assets | 82.2172% | 544 |
| Net loans and leases to deposits | 102.8559% | 451 |
| Net loans and leases to core deposits | 106.5996% | 1,060 |
| Total domestic deposits to total assets | 79.9344% | 4,630 |
| Equity capital to assets | 9.7073% | 4,059 |
| Core capital (leverage) ratio | 9.7884% | 3,769 |
| Tier 1 risk-based capital ratio | 16.0966% | 2,507 |
| Total risk-based capital ratio | 17.2769% | 2,490 |
| Memoranda: | ||
| Average total assets | $1,195,674,000 | 637 |
| Average earning assets | $1,149,014,000 | 615 |
| Average equity | $115,742,500 | 713 |
| Average total loans | $1,013,759,500 | 532 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 4,056 |
| Cost of funding earning assets | 0.6031% | 1,309 |
| Net interest margin | 3.1453% | 4,605 |
| Noninterest income to average assets | 3.0188% | 201 |
| Noninterest expense to average assets | 5.0669% | 249 |
| Loan and lease loss provision to assets | -0.1527% | 5,742 |
| Net operating income to assets | 0.6490% | 4,005 |
| Return on assets (ROA) | 0.6434% | 4,137 |
| Pretax return on assets | 1.1176% | 3,034 |
| Return on Equity (ROE) | 6.5729% | 3,704 |
| Retained earnings to average equity (ytd only) | -2.0203% | 5,536 |
| Net charge-offs to loans | -0.1384% | 5,662 |
| Credit loss provision to net charge-offs | 126.2170% | 2,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8830% | 1,017 |
| Assets per employee ($millions) | 2.2924% | 5,739 |
| Cash dividends to net income (ytd only)* | 130.7360% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8121% | 5,075 |
| Loan loss allowance to noncurrent loans | 78.6410% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.1425% | 1,615 |
| Noncurrent loans to loans | 1.0327% | 2,011 |
| Net loans and leases to total assets | 85.9716% | 230 |
| Net loans and leases to deposits | 107.5661% | 286 |
| Net loans and leases to core deposits | 111.5014% | 801 |
| Total domestic deposits to total assets | 79.9244% | 4,593 |
| Equity capital to assets | 9.6527% | 4,114 |
| Core capital (leverage) ratio | 9.4960% | 4,084 |
| Tier 1 risk-based capital ratio | 15.4273% | 2,777 |
| Total risk-based capital ratio | 16.5787% | 2,759 |
| Memoranda: | ||
| Average total assets | $1,188,755,400 | 616 |
| Average earning assets | $1,142,018,000 | 591 |
| Average equity | $116,371,600 | 687 |
| Average total loans | $1,038,972,200 | 493 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 4,247 |
| Cost of funding earning assets | 0.6023% | 1,304 |
| Net interest margin | 3.0987% | 4,782 |
| Noninterest income to average assets | 3.1600% | 193 |
| Noninterest expense to average assets | 5.1199% | 247 |
| Loan and lease loss provision to assets | -0.1644% | 5,850 |
| Net operating income to assets | 0.6806% | 3,958 |
| Return on assets (ROA) | 0.6732% | 4,112 |
| Pretax return on assets | 1.1710% | 2,962 |
| Return on Equity (ROE) | 6.8528% | 3,638 |
| Retained earnings to average equity (ytd only) | -4.5724% | 5,722 |
| Net charge-offs to loans | -0.1822% | 5,737 |
| Credit loss provision to net charge-offs | 103.0239% | 2,303 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4132% | 1,033 |
| Assets per employee ($millions) | 2.3665% | 5,785 |
| Cash dividends to net income (ytd only)* | 166.7223% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7741% | 5,261 |
| Loan loss allowance to noncurrent loans | 79.8408% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 1.1609% | 1,727 |
| Noncurrent loans to loans | 0.9696% | 2,299 |
| Net loans and leases to total assets | 90.0149% | 69 |
| Net loans and leases to deposits | 115.5204% | 163 |
| Net loans and leases to core deposits | 119.9705% | 504 |
| Total domestic deposits to total assets | 77.9212% | 4,926 |
| Equity capital to assets | 9.1083% | 5,061 |
| Core capital (leverage) ratio | 9.3224% | 4,435 |
| Tier 1 risk-based capital ratio | 14.4351% | 3,315 |
| Total risk-based capital ratio | 15.5735% | 3,316 |
| Memoranda: | ||
| Average total assets | $1,187,935,250 | 618 |
| Average earning assets | $1,141,656,000 | 590 |
| Average equity | $116,698,500 | 686 |
| Average total loans | $1,040,414,500 | 490 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6747% | 4,374 |
| Cost of funding earning assets | 0.6114% | 1,239 |
| Net interest margin | 3.0633% | 4,933 |
| Noninterest income to average assets | 3.2389% | 184 |
| Noninterest expense to average assets | 5.0656% | 257 |
| Loan and lease loss provision to assets | -0.2248% | 5,946 |
| Net operating income to assets | 0.7800% | 3,403 |
| Return on assets (ROA) | 0.7687% | 3,601 |
| Pretax return on assets | 1.3223% | 2,312 |
| Return on Equity (ROE) | 7.6231% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.6231% | 1,330 |
| Net charge-offs to loans | -0.2406% | 5,840 |
| Credit loss provision to net charge-offs | 108.0526% | 1,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9585% | 1,276 |
| Assets per employee ($millions) | 2.2438% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 5,179 |
| Loan loss allowance to noncurrent loans | 77.3486% | 4,178 |
| Noncurrent assets plus other real estate owned to assets | 1.1880% | 1,750 |
| Noncurrent loans to loans | 1.0797% | 2,130 |
| Net loans and leases to total assets | 87.8930% | 142 |
| Net loans and leases to deposits | 109.1424% | 275 |
| Net loans and leases to core deposits | 113.4617% | 745 |
| Total domestic deposits to total assets | 80.5306% | 4,401 |
| Equity capital to assets | 10.3136% | 3,842 |
| Core capital (leverage) ratio | 10.3142% | 3,175 |
| Tier 1 risk-based capital ratio | 16.1959% | 2,548 |
| Total risk-based capital ratio | 17.3893% | 2,521 |
| Memoranda: | ||
| Average total assets | $1,169,768,670 | 623 |
| Average earning assets | $1,123,369,330 | 597 |
| Average equity | $117,957,330 | 680 |
| Average total loans | $1,011,532,000 | 505 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5414% | 4,781 |
| Cost of funding earning assets | 0.6228% | 1,200 |
| Net interest margin | 2.9186% | 5,292 |
| Noninterest income to average assets | 2.8438% | 213 |
| Noninterest expense to average assets | 4.9529% | 283 |
| Loan and lease loss provision to assets | -0.2375% | 6,036 |
| Net operating income to assets | 0.5464% | 4,440 |
| Return on assets (ROA) | 0.5464% | 4,543 |
| Pretax return on assets | 0.9314% | 3,721 |
| Return on Equity (ROE) | 5.4816% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.4816% | 2,664 |
| Net charge-offs to loans | -0.0505% | 5,334 |
| Credit loss provision to net charge-offs | 550.7937% | 564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7113% | 835 |
| Assets per employee ($millions) | 2.2527% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8218% | 5,307 |
| Loan loss allowance to noncurrent loans | 62.3006% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 1.3911% | 1,495 |
| Noncurrent loans to loans | 1.3191% | 1,811 |
| Net loans and leases to total assets | 84.3185% | 341 |
| Net loans and leases to deposits | 104.1278% | 406 |
| Net loans and leases to core deposits | 108.4720% | 948 |
| Total domestic deposits to total assets | 80.9760% | 4,503 |
| Equity capital to assets | 10.0190% | 4,053 |
| Core capital (leverage) ratio | 10.0599% | 3,463 |
| Tier 1 risk-based capital ratio | 16.6298% | 2,430 |
| Total risk-based capital ratio | 17.8151% | 2,405 |
| Memoranda: | ||
| Average total assets | $1,169,009,000 | 625 |
| Average earning assets | $1,122,719,000 | 597 |
| Average equity | $116,535,000 | 686 |
| Average total loans | $998,223,000 | 509 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 4,628 |
| Cost of funding earning assets | 0.6169% | 1,262 |
| Net interest margin | 2.9981% | 5,142 |
| Noninterest income to average assets | 3.3915% | 179 |
| Noninterest expense to average assets | 4.9920% | 280 |
| Loan and lease loss provision to assets | -0.0526% | 5,756 |
| Net operating income to assets | 0.7664% | 3,483 |
| Return on assets (ROA) | 0.7664% | 3,573 |
| Pretax return on assets | 1.3315% | 2,160 |
| Return on Equity (ROE) | 7.4798% | 3,257 |
| Retained earnings to average equity (ytd only) | -5.0492% | 5,916 |
| Net charge-offs to loans | -0.0664% | 5,649 |
| Credit loss provision to net charge-offs | 89.1304% | 2,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6067% | 1,727 |
| Assets per employee ($millions) | 2.1764% | 6,006 |
| Cash dividends to net income (ytd only)* | 167.5042% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 5,165 |
| Loan loss allowance to noncurrent loans | 67.4981% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 1.5376% | 1,299 |
| Noncurrent loans to loans | 1.3008% | 1,814 |
| Net loans and leases to total assets | 85.0138% | 309 |
| Net loans and leases to deposits | 104.6895% | 410 |
| Net loans and leases to core deposits | 108.9966% | 917 |
| Total domestic deposits to total assets | 81.2057% | 4,425 |
| Equity capital to assets | 9.9180% | 4,052 |
| Core capital (leverage) ratio | 9.8543% | 3,708 |
| Tier 1 risk-based capital ratio | 16.1797% | 2,611 |
| Total risk-based capital ratio | 17.4311% | 2,566 |
| Memoranda: | ||
| Average total assets | $1,168,483,400 | 603 |
| Average earning assets | $1,122,206,000 | 574 |
| Average equity | $119,722,600 | 640 |
| Average total loans | $1,039,070,400 | 463 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6729% | 4,512 |
| Cost of funding earning assets | 0.6093% | 1,349 |
| Net interest margin | 3.0636% | 5,047 |
| Noninterest income to average assets | 3.6617% | 171 |
| Noninterest expense to average assets | 5.0744% | 270 |
| Loan and lease loss provision to assets | -0.0288% | 5,872 |
| Net operating income to assets | 0.8957% | 2,982 |
| Return on assets (ROA) | 0.8957% | 3,071 |
| Pretax return on assets | 1.5581% | 1,511 |
| Return on Equity (ROE) | 8.6732% | 2,750 |
| Retained earnings to average equity (ytd only) | -7.8851% | 6,091 |
| Net charge-offs to loans | -0.0755% | 5,683 |
| Credit loss provision to net charge-offs | 42.5926% | 3,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8421% | 2,113 |
| Assets per employee ($millions) | 2.1963% | 6,085 |
| Cash dividends to net income (ytd only)* | 190.9125% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 5,106 |
| Loan loss allowance to noncurrent loans | 57.4025% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6490% | 1,331 |
| Noncurrent loans to loans | 1.6086% | 1,535 |
| Net loans and leases to total assets | 82.3402% | 540 |
| Net loans and leases to deposits | 101.4454% | 579 |
| Net loans and leases to core deposits | 105.8123% | 1,113 |
| Total domestic deposits to total assets | 81.1670% | 4,433 |
| Equity capital to assets | 9.6979% | 4,520 |
| Core capital (leverage) ratio | 9.6818% | 4,051 |
| Tier 1 risk-based capital ratio | 16.3241% | 2,661 |
| Total risk-based capital ratio | 17.5762% | 2,607 |
| Memoranda: | ||
| Average total assets | $1,169,508,500 | 608 |
| Average earning assets | $1,123,049,750 | 576 |
| Average equity | $120,782,250 | 638 |
| Average total loans | $1,049,174,500 | 461 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,330 |
| Cost of funding earning assets | 0.5950% | 1,452 |
| Net interest margin | 3.1318% | 4,878 |
| Noninterest income to average assets | 3.7291% | 171 |
| Noninterest expense to average assets | 5.1823% | 255 |
| Loan and lease loss provision to assets | -0.0368% | 6,008 |
| Net operating income to assets | 0.9080% | 2,829 |
| Return on assets (ROA) | 0.9080% | 2,958 |
| Pretax return on assets | 1.5896% | 1,357 |
| Return on Equity (ROE) | 8.6155% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.6155% | 1,036 |
| Net charge-offs to loans | -0.0459% | 5,517 |
| Credit loss provision to net charge-offs | 87.3984% | 2,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9448% | 2,214 |
| Assets per employee ($millions) | 2.2245% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 5,514 |
| Loan loss allowance to noncurrent loans | 59.7207% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.4479% | 1,719 |
| Noncurrent loans to loans | 1.3943% | 1,935 |
| Net loans and leases to total assets | 88.4555% | 116 |
| Net loans and leases to deposits | 110.1604% | 257 |
| Net loans and leases to core deposits | 115.1043% | 621 |
| Total domestic deposits to total assets | 80.2970% | 4,796 |
| Equity capital to assets | 10.7572% | 3,157 |
| Core capital (leverage) ratio | 10.6823% | 2,751 |
| Tier 1 risk-based capital ratio | 17.2151% | 2,321 |
| Total risk-based capital ratio | 18.4658% | 2,274 |
| Memoranda: | ||
| Average total assets | $1,166,936,000 | 609 |
| Average earning assets | $1,120,052,000 | 574 |
| Average equity | $122,987,670 | 621 |
| Average total loans | $1,072,778,000 | 453 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6273% | 4,605 |
| Cost of funding earning assets | 0.5644% | 1,708 |
| Net interest margin | 3.0629% | 5,052 |
| Noninterest income to average assets | 3.8647% | 165 |
| Noninterest expense to average assets | 5.2042% | 263 |
| Loan and lease loss provision to assets | -0.0382% | 6,140 |
| Net operating income to assets | 0.9278% | 2,621 |
| Return on assets (ROA) | 0.9278% | 2,741 |
| Pretax return on assets | 1.6380% | 1,177 |
| Return on Equity (ROE) | 8.8964% | 2,497 |
| Retained earnings to average equity (ytd only) | 8.8964% | 1,234 |
| Net charge-offs to loans | -0.0479% | 5,497 |
| Credit loss provision to net charge-offs | 85.3846% | 1,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4872% | 2,427 |
| Assets per employee ($millions) | 2.2647% | 6,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7673% | 5,766 |
| Loan loss allowance to noncurrent loans | 79.3298% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.1675% | 2,295 |
| Noncurrent loans to loans | 0.9672% | 2,835 |
| Net loans and leases to total assets | 92.8183% | 16 |
| Net loans and leases to deposits | 119.5431% | 86 |
| Net loans and leases to core deposits | 124.9780% | 311 |
| Total domestic deposits to total assets | 77.6442% | 5,510 |
| Equity capital to assets | 10.1185% | 3,987 |
| Core capital (leverage) ratio | 10.7896% | 2,638 |
| Tier 1 risk-based capital ratio | 15.8079% | 3,011 |
| Total risk-based capital ratio | 17.0381% | 2,961 |
| Memoranda: | ||
| Average total assets | $1,163,132,000 | 608 |
| Average earning assets | $1,116,199,500 | 573 |
| Average equity | $121,307,500 | 632 |
| Average total loans | $1,085,330,500 | 449 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5895% | 5,108 |
| Cost of funding earning assets | 0.6068% | 1,711 |
| Net interest margin | 2.9827% | 5,482 |
| Noninterest income to average assets | 3.1147% | 183 |
| Noninterest expense to average assets | 4.8489% | 345 |
| Loan and lease loss provision to assets | -0.2428% | 6,330 |
| Net operating income to assets | 0.7769% | 3,485 |
| Return on assets (ROA) | 0.7769% | 3,578 |
| Pretax return on assets | 1.3606% | 2,039 |
| Return on Equity (ROE) | 6.5350% | 3,878 |
| Retained earnings to average equity (ytd only) | -17.9449% | 6,405 |
| Net charge-offs to loans | -0.0384% | 5,852 |
| Credit loss provision to net charge-offs | 745.0549% | 364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2666% | 1,740 |
| Assets per employee ($millions) | 2.1351% | 6,335 |
| Cash dividends to net income (ytd only)* | 374.5966% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 5,662 |
| Loan loss allowance to noncurrent loans | 73.5760% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3764% | 2,025 |
| Noncurrent loans to loans | 1.1413% | 2,559 |
| Net loans and leases to total assets | 92.2841% | 23 |
| Net loans and leases to deposits | 109.7233% | 248 |
| Net loans and leases to core deposits | 114.5467% | 578 |
| Total domestic deposits to total assets | 84.1061% | 3,662 |
| Equity capital to assets | 10.7686% | 3,159 |
| Core capital (leverage) ratio | 10.7019% | 2,716 |
| Tier 1 risk-based capital ratio | 15.1451% | 3,415 |
| Total risk-based capital ratio | 16.2620% | 3,419 |
| Memoranda: | ||
| Average total assets | $1,116,786,600 | 606 |
| Average earning assets | $1,067,868,000 | 572 |
| Average equity | $132,761,600 | 547 |
| Average total loans | $947,462,200 | 477 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 5,278 |
| Cost of funding earning assets | 0.6135% | 1,733 |
| Net interest margin | 2.9349% | 5,625 |
| Noninterest income to average assets | 3.0234% | 188 |
| Noninterest expense to average assets | 4.8031% | 359 |
| Loan and lease loss provision to assets | -0.2812% | 6,447 |
| Net operating income to assets | 0.7431% | 3,708 |
| Return on assets (ROA) | 0.7431% | 3,812 |
| Pretax return on assets | 1.3053% | 2,353 |
| Return on Equity (ROE) | 6.1075% | 4,178 |
| Retained earnings to average equity (ytd only) | -25.7534% | 6,516 |
| Net charge-offs to loans | -0.0295% | 5,734 |
| Credit loss provision to net charge-offs | 1,150.2439% | 296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4263% | 1,560 |
| Assets per employee ($millions) | 2.1041% | 6,418 |
| Cash dividends to net income (ytd only)* | 521.6693% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9084% | 5,578 |
| Loan loss allowance to noncurrent loans | 66.3630% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.4547% | 2,122 |
| Noncurrent loans to loans | 1.3689% | 2,367 |
| Net loans and leases to total assets | 87.6003% | 129 |
| Net loans and leases to deposits | 103.6636% | 424 |
| Net loans and leases to core deposits | 108.0608% | 847 |
| Total domestic deposits to total assets | 84.5044% | 3,547 |
| Equity capital to assets | 10.5620% | 3,483 |
| Core capital (leverage) ratio | 10.5023% | 3,037 |
| Tier 1 risk-based capital ratio | 15.2831% | 3,429 |
| Total risk-based capital ratio | 16.4666% | 3,407 |
| Memoranda: | ||
| Average total assets | $1,117,883,750 | 602 |
| Average earning assets | $1,067,963,000 | 570 |
| Average equity | $136,004,500 | 532 |
| Average total loans | $925,513,000 | 480 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5142% | 5,383 |
| Cost of funding earning assets | 0.6236% | 1,699 |
| Net interest margin | 2.8906% | 5,750 |
| Noninterest income to average assets | 2.8966% | 195 |
| Noninterest expense to average assets | 4.7523% | 366 |
| Loan and lease loss provision to assets | -0.2746% | 6,519 |
| Net operating income to assets | 0.6605% | 4,043 |
| Return on assets (ROA) | 0.6605% | 4,141 |
| Pretax return on assets | 1.1748% | 2,783 |
| Return on Equity (ROE) | 5.2032% | 4,582 |
| Retained earnings to average equity (ytd only) | -5.3324% | 6,255 |
| Net charge-offs to loans | -0.0535% | 5,914 |
| Credit loss provision to net charge-offs | 633.7449% | 481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0752% | 1,504 |
| Assets per employee ($millions) | 2.1221% | 6,468 |
| Cash dividends to net income (ytd only)* | 202.4838% | 115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 5,176 |
| Loan loss allowance to noncurrent loans | 55.6991% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.8054% | 1,794 |
| Noncurrent loans to loans | 1.8595% | 1,847 |
| Net loans and leases to total assets | 84.2090% | 285 |
| Net loans and leases to deposits | 102.2290% | 437 |
| Net loans and leases to core deposits | 106.7730% | 849 |
| Total domestic deposits to total assets | 82.3729% | 4,515 |
| Equity capital to assets | 12.5950% | 1,584 |
| Core capital (leverage) ratio | 12.5337% | 1,379 |
| Tier 1 risk-based capital ratio | 18.7191% | 1,997 |
| Total risk-based capital ratio | 19.9798% | 1,958 |
| Memoranda: | ||
| Average total assets | $1,121,595,000 | 597 |
| Average earning assets | $1,069,329,000 | 570 |
| Average equity | $142,374,330 | 514 |
| Average total loans | $907,882,670 | 485 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4637% | 5,517 |
| Cost of funding earning assets | 0.6366% | 1,675 |
| Net interest margin | 2.8271% | 5,883 |
| Noninterest income to average assets | 2.3927% | 255 |
| Noninterest expense to average assets | 4.4211% | 494 |
| Loan and lease loss provision to assets | -0.3006% | 6,615 |
| Net operating income to assets | 0.5351% | 4,531 |
| Return on assets (ROA) | 0.5351% | 4,603 |
| Pretax return on assets | 0.9646% | 3,461 |
| Return on Equity (ROE) | 4.1991% | 4,928 |
| Retained earnings to average equity (ytd only) | 4.1991% | 3,608 |
| Net charge-offs to loans | 0.0754% | 2,396 |
| Credit loss provision to net charge-offs | -505.3571% | 5,196 |
| Earnings coverage of net charge-offs (x) | 11.1607% | 1,800 |
| Efficiency ratio | 86.9429% | 1,344 |
| Assets per employee ($millions) | 2.2323% | 6,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 4,961 |
| Loan loss allowance to noncurrent loans | 55.5408% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 1.8180% | 1,923 |
| Noncurrent loans to loans | 2.0411% | 1,819 |
| Net loans and leases to total assets | 77.6991% | 795 |
| Net loans and leases to deposits | 95.2230% | 700 |
| Net loans and leases to core deposits | 99.5875% | 1,129 |
| Total domestic deposits to total assets | 81.5970% | 5,060 |
| Equity capital to assets | 12.8606% | 1,378 |
| Core capital (leverage) ratio | 12.7955% | 1,248 |
| Tier 1 risk-based capital ratio | 19.9551% | 1,735 |
| Total risk-based capital ratio | 21.2181% | 1,698 |
| Memoranda: | ||
| Average total assets | $1,129,587,000 | 598 |
| Average earning assets | $1,075,734,500 | 571 |
| Average equity | $143,935,500 | 512 |
| Average total loans | $891,440,000 | 488 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6182% | 5,361 |
| Cost of funding earning assets | 0.8033% | 1,196 |
| Net interest margin | 2.8149% | 5,950 |
| Noninterest income to average assets | 4.0664% | 164 |
| Noninterest expense to average assets | 5.0710% | 332 |
| Loan and lease loss provision to assets | -0.3263% | 6,686 |
| Net operating income to assets | 1.1512% | 1,755 |
| Return on assets (ROA) | 1.1512% | 1,820 |
| Pretax return on assets | 1.9858% | 499 |
| Return on Equity (ROE) | 9.0142% | 2,529 |
| Retained earnings to average equity (ytd only) | -7.3872% | 6,481 |
| Net charge-offs to loans | 0.3728% | 1,810 |
| Credit loss provision to net charge-offs | -108.3751% | 5,892 |
| Earnings coverage of net charge-offs (x) | 5.5109% | 3,281 |
| Efficiency ratio | 75.3439% | 2,888 |
| Assets per employee ($millions) | 2.1643% | 6,582 |
| Cash dividends to net income (ytd only)* | 181.9505% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 4,502 |
| Loan loss allowance to noncurrent loans | 57.1421% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.9940% | 1,802 |
| Noncurrent loans to loans | 2.1501% | 1,828 |
| Net loans and leases to total assets | 78.2685% | 791 |
| Net loans and leases to deposits | 95.6067% | 756 |
| Net loans and leases to core deposits | 99.8295% | 1,173 |
| Total domestic deposits to total assets | 81.8650% | 4,921 |
| Equity capital to assets | 12.6249% | 1,451 |
| Core capital (leverage) ratio | 12.5629% | 1,324 |
| Tier 1 risk-based capital ratio | 19.7958% | 1,698 |
| Total risk-based capital ratio | 21.0616% | 1,667 |
| Memoranda: | ||
| Average total assets | $1,193,514,600 | 548 |
| Average earning assets | $1,129,559,800 | 528 |
| Average equity | $152,426,800 | 484 |
| Average total loans | $964,147,200 | 443 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6337% | 5,344 |
| Cost of funding earning assets | 0.8414% | 1,087 |
| Net interest margin | 2.7922% | 6,031 |
| Noninterest income to average assets | 4.5679% | 154 |
| Noninterest expense to average assets | 5.2623% | 292 |
| Loan and lease loss provision to assets | -0.3307% | 6,785 |
| Net operating income to assets | 1.3241% | 1,282 |
| Return on assets (ROA) | 1.3241% | 1,339 |
| Pretax return on assets | 2.2769% | 336 |
| Return on Equity (ROE) | 10.3397% | 2,053 |
| Retained earnings to average equity (ytd only) | -2.5849% | 6,318 |
| Net charge-offs to loans | 0.4661% | 1,380 |
| Credit loss provision to net charge-offs | -87.4271% | 5,763 |
| Earnings coverage of net charge-offs (x) | 5.1456% | 3,271 |
| Efficiency ratio | 73.0006% | 3,217 |
| Assets per employee ($millions) | 2.0924% | 6,680 |
| Cash dividends to net income (ytd only)* | 125.0000% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 4,494 |
| Loan loss allowance to noncurrent loans | 58.5546% | 4,879 |
| Noncurrent assets plus other real estate owned to assets | 2.0682% | 1,943 |
| Noncurrent loans to loans | 2.1880% | 2,022 |
| Net loans and leases to total assets | 80.9016% | 460 |
| Net loans and leases to deposits | 100.3469% | 455 |
| Net loans and leases to core deposits | 104.7672% | 837 |
| Total domestic deposits to total assets | 80.6220% | 5,329 |
| Equity capital to assets | 13.1262% | 1,277 |
| Core capital (leverage) ratio | 13.0652% | 1,179 |
| Tier 1 risk-based capital ratio | 20.8180% | 1,528 |
| Total risk-based capital ratio | 22.0865% | 1,499 |
| Memoranda: | ||
| Average total assets | $1,208,373,250 | 546 |
| Average earning assets | $1,142,770,750 | 519 |
| Average equity | $154,739,250 | 485 |
| Average total loans | $980,517,000 | 435 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 5,379 |
| Cost of funding earning assets | 0.8730% | 1,020 |
| Net interest margin | 2.7447% | 6,107 |
| Noninterest income to average assets | 5.4003% | 138 |
| Noninterest expense to average assets | 5.4132% | 272 |
| Loan and lease loss provision to assets | -0.3350% | 6,843 |
| Net operating income to assets | 1.6885% | 638 |
| Return on assets (ROA) | 1.6885% | 695 |
| Pretax return on assets | 2.9115% | 160 |
| Return on Equity (ROE) | 13.2902% | 1,170 |
| Retained earnings to average equity (ytd only) | 6.8748% | 1,945 |
| Net charge-offs to loans | 0.3104% | 1,940 |
| Credit loss provision to net charge-offs | -133.4416% | 5,653 |
| Earnings coverage of net charge-offs (x) | 10.2630% | 2,170 |
| Efficiency ratio | 67.7521% | 4,226 |
| Assets per employee ($millions) | 2.0353% | 6,740 |
| Cash dividends to net income (ytd only)* | 48.2719% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,272 |
| Loan loss allowance to noncurrent loans | 58.7830% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.2876% | 1,893 |
| Noncurrent loans to loans | 2.6705% | 1,710 |
| Net loans and leases to total assets | 77.3296% | 823 |
| Net loans and leases to deposits | 100.8497% | 382 |
| Net loans and leases to core deposits | 105.3598% | 774 |
| Total domestic deposits to total assets | 76.6781% | 6,175 |
| Equity capital to assets | 13.1812% | 1,268 |
| Core capital (leverage) ratio | 13.1167% | 1,124 |
| Tier 1 risk-based capital ratio | 21.3635% | 1,407 |
| Total risk-based capital ratio | 22.6372% | 1,378 |
| Memoranda: | ||
| Average total assets | $1,226,861,670 | 535 |
| Average earning assets | $1,157,421,330 | 516 |
| Average equity | $155,874,670 | 482 |
| Average total loans | $992,414,000 | 429 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6768% | 5,237 |
| Cost of funding earning assets | 0.8745% | 1,118 |
| Net interest margin | 2.8023% | 6,032 |
| Noninterest income to average assets | 5.0100% | 147 |
| Noninterest expense to average assets | 5.0826% | 348 |
| Loan and lease loss provision to assets | -0.1675% | 6,884 |
| Net operating income to assets | 1.6187% | 678 |
| Return on assets (ROA) | 1.6187% | 739 |
| Pretax return on assets | 2.7408% | 202 |
| Return on Equity (ROE) | 12.9791% | 1,178 |
| Retained earnings to average equity (ytd only) | -0.0078% | 5,773 |
| Net charge-offs to loans | 0.4687% | 1,278 |
| Credit loss provision to net charge-offs | -43.5552% | 5,038 |
| Earnings coverage of net charge-offs (x) | 6.6925% | 2,183 |
| Efficiency ratio | 66.3874% | 4,600 |
| Assets per employee ($millions) | 2.0985% | 6,815 |
| Cash dividends to net income (ytd only)* | 100.0600% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 2,654 |
| Loan loss allowance to noncurrent loans | 72.8619% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.0731% | 2,263 |
| Noncurrent loans to loans | 2.4545% | 2,098 |
| Net loans and leases to total assets | 75.6552% | 886 |
| Net loans and leases to deposits | 97.7947% | 456 |
| Net loans and leases to core deposits | 102.3821% | 807 |
| Total domestic deposits to total assets | 77.3613% | 6,211 |
| Equity capital to assets | 12.6205% | 1,636 |
| Core capital (leverage) ratio | 12.5545% | 1,313 |
| Tier 1 risk-based capital ratio | 20.7563% | 1,596 |
| Total risk-based capital ratio | 22.0192% | 1,565 |
| Memoranda: | ||
| Average total assets | $1,234,802,000 | 534 |
| Average earning assets | $1,165,907,500 | 511 |
| Average equity | $154,001,000 | 491 |
| Average total loans | $1,012,930,000 | 424 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 4,878 |
| Cost of funding earning assets | 1.0285% | 1,213 |
| Net interest margin | 3.0927% | 5,831 |
| Noninterest income to average assets | 5.4104% | 132 |
| Noninterest expense to average assets | 5.0457% | 362 |
| Loan and lease loss provision to assets | 0.3322% | 2,043 |
| Net operating income to assets | 1.7849% | 525 |
| Return on assets (ROA) | 1.7849% | 588 |
| Pretax return on assets | 2.9400% | 150 |
| Return on Equity (ROE) | 15.7454% | 695 |
| Retained earnings to average equity (ytd only) | 10.2025% | 556 |
| Net charge-offs to loans | 1.1755% | 867 |
| Credit loss provision to net charge-offs | 33.5635% | 5,051 |
| Earnings coverage of net charge-offs (x) | 3.3064% | 3,781 |
| Efficiency ratio | 60.6612% | 5,435 |
| Assets per employee ($millions) | 2.2093% | 6,827 |
| Cash dividends to net income (ytd only)* | 35.2035% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7078% | 2,903 |
| Loan loss allowance to noncurrent loans | 64.3068% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.5035% | 1,947 |
| Noncurrent loans to loans | 2.6557% | 1,995 |
| Net loans and leases to total assets | 85.4384% | 154 |
| Net loans and leases to deposits | 113.0076% | 126 |
| Net loans and leases to core deposits | 118.7678% | 309 |
| Total domestic deposits to total assets | 75.6041% | 6,399 |
| Equity capital to assets | 12.3261% | 1,844 |
| Core capital (leverage) ratio | 12.2616% | 1,420 |
| Tier 1 risk-based capital ratio | 18.7894% | 2,014 |
| Total risk-based capital ratio | 20.0521% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,273,197,000 | 520 |
| Average earning assets | $1,196,964,800 | 501 |
| Average equity | $144,327,800 | 504 |
| Average total loans | $1,071,840,600 | 399 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1532% | 4,975 |
| Cost of funding earning assets | 1.0495% | 1,283 |
| Net interest margin | 3.1037% | 5,932 |
| Noninterest income to average assets | 5.1100% | 139 |
| Noninterest expense to average assets | 4.9620% | 372 |
| Loan and lease loss provision to assets | 0.4383% | 1,439 |
| Net operating income to assets | 1.6317% | 789 |
| Return on assets (ROA) | 1.6317% | 871 |
| Pretax return on assets | 2.6260% | 243 |
| Return on Equity (ROE) | 14.7078% | 953 |
| Retained earnings to average equity (ytd only) | 7.1933% | 2,014 |
| Net charge-offs to loans | 1.3712% | 665 |
| Credit loss provision to net charge-offs | 38.2746% | 4,650 |
| Earnings coverage of net charge-offs (x) | 2.6759% | 3,965 |
| Efficiency ratio | 61.8216% | 5,182 |
| Assets per employee ($millions) | 2.2991% | 6,860 |
| Cash dividends to net income (ytd only)* | 51.0921% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8218% | 2,726 |
| Loan loss allowance to noncurrent loans | 58.5950% | 4,713 |
| Noncurrent assets plus other real estate owned to assets | 3.1086% | 1,671 |
| Noncurrent loans to loans | 3.1092% | 1,788 |
| Net loans and leases to total assets | 85.2738% | 174 |
| Net loans and leases to deposits | 112.2251% | 130 |
| Net loans and leases to core deposits | 118.1105% | 345 |
| Total domestic deposits to total assets | 75.9846% | 6,380 |
| Equity capital to assets | 11.5399% | 2,709 |
| Core capital (leverage) ratio | 11.4707% | 2,006 |
| Tier 1 risk-based capital ratio | 17.4552% | 2,556 |
| Total risk-based capital ratio | 18.7195% | 2,516 |
| Memoranda: | ||
| Average total assets | $1,279,432,000 | 525 |
| Average earning assets | $1,202,189,000 | 503 |
| Average equity | $141,944,250 | 510 |
| Average total loans | $1,068,545,500 | 401 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 4,972 |
| Cost of funding earning assets | 1.0874% | 1,271 |
| Net interest margin | 3.1072% | 5,984 |
| Noninterest income to average assets | 4.2324% | 171 |
| Noninterest expense to average assets | 4.7394% | 449 |
| Loan and lease loss provision to assets | 0.5730% | 1,058 |
| Net operating income to assets | 1.0657% | 2,180 |
| Return on assets (ROA) | 1.0657% | 2,410 |
| Pretax return on assets | 1.8402% | 964 |
| Return on Equity (ROE) | 9.7354% | 2,471 |
| Retained earnings to average equity (ytd only) | 5.4605% | 3,011 |
| Net charge-offs to loans | 1.7207% | 524 |
| Credit loss provision to net charge-offs | 40.4026% | 4,250 |
| Earnings coverage of net charge-offs (x) | 1.7017% | 4,135 |
| Efficiency ratio | 66.2610% | 4,491 |
| Assets per employee ($millions) | 2.3220% | 6,894 |
| Cash dividends to net income (ytd only)* | 43.9110% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 2,115 |
| Loan loss allowance to noncurrent loans | 52.3912% | 4,982 |
| Noncurrent assets plus other real estate owned to assets | 3.6876% | 1,416 |
| Noncurrent loans to loans | 3.9054% | 1,424 |
| Net loans and leases to total assets | 81.5714% | 366 |
| Net loans and leases to deposits | 106.1926% | 229 |
| Net loans and leases to core deposits | 111.5792% | 519 |
| Total domestic deposits to total assets | 76.8146% | 6,358 |
| Equity capital to assets | 11.3226% | 2,760 |
| Core capital (leverage) ratio | 11.2564% | 2,079 |
| Tier 1 risk-based capital ratio | 17.5261% | 2,467 |
| Total risk-based capital ratio | 18.7935% | 2,426 |
| Memoranda: | ||
| Average total assets | $1,282,112,670 | 524 |
| Average earning assets | $1,204,942,000 | 503 |
| Average equity | $140,353,330 | 509 |
| Average total loans | $1,056,633,670 | 406 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 5,210 |
| Cost of funding earning assets | 1.1466% | 1,189 |
| Net interest margin | 3.0233% | 6,243 |
| Noninterest income to average assets | 3.4577% | 195 |
| Noninterest expense to average assets | 4.4742% | 565 |
| Loan and lease loss provision to assets | 0.5019% | 1,211 |
| Net operating income to assets | 0.7565% | 3,592 |
| Return on assets (ROA) | 0.7565% | 3,830 |
| Pretax return on assets | 1.3209% | 2,464 |
| Return on Equity (ROE) | 7.0283% | 3,770 |
| Retained earnings to average equity (ytd only) | -1.5954% | 6,225 |
| Net charge-offs to loans | 1.6087% | 614 |
| Credit loss provision to net charge-offs | 38.0483% | 3,478 |
| Earnings coverage of net charge-offs (x) | 1.3819% | 3,632 |
| Efficiency ratio | 71.0530% | 3,610 |
| Assets per employee ($millions) | 2.4989% | 6,848 |
| Cash dividends to net income (ytd only)* | 122.6994% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3503% | 1,587 |
| Loan loss allowance to noncurrent loans | 58.0841% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 3.7182% | 1,518 |
| Noncurrent loans to loans | 4.0464% | 1,505 |
| Net loans and leases to total assets | 78.3211% | 557 |
| Net loans and leases to deposits | 102.3204% | 298 |
| Net loans and leases to core deposits | 108.3442% | 598 |
| Total domestic deposits to total assets | 76.5450% | 6,485 |
| Equity capital to assets | 10.8043% | 3,141 |
| Core capital (leverage) ratio | 10.7396% | 2,510 |
| Tier 1 risk-based capital ratio | 17.1349% | 2,632 |
| Total risk-based capital ratio | 18.3643% | 2,601 |
| Memoranda: | ||
| Average total assets | $1,292,755,000 | 519 |
| Average earning assets | $1,214,027,000 | 495 |
| Average equity | $139,151,000 | 511 |
| Average total loans | $1,059,971,500 | 404 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 5,435 |
| Cost of funding earning assets | 1.4137% | 979 |
| Net interest margin | 2.9837% | 6,555 |
| Noninterest income to average assets | 2.2864% | 310 |
| Noninterest expense to average assets | 3.4559% | 2,103 |
| Loan and lease loss provision to assets | 0.4256% | 2,460 |
| Net operating income to assets | 0.6836% | 3,563 |
| Return on assets (ROA) | 0.6836% | 3,756 |
| Pretax return on assets | 1.1959% | 2,474 |
| Return on Equity (ROE) | 6.6085% | 3,586 |
| Retained earnings to average equity (ytd only) | 2.9634% | 4,128 |
| Net charge-offs to loans | 0.8806% | 1,977 |
| Credit loss provision to net charge-offs | 58.1137% | 5,220 |
| Earnings coverage of net charge-offs (x) | 2.2139% | 4,123 |
| Efficiency ratio | 67.9495% | 4,371 |
| Assets per employee ($millions) | 2.8415% | 6,392 |
| Cash dividends to net income (ytd only)* | 55.1572% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 4,364 |
| Loan loss allowance to noncurrent loans | 49.1625% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 3.0276% | 1,982 |
| Noncurrent loans to loans | 2.8923% | 2,262 |
| Net loans and leases to total assets | 82.5732% | 300 |
| Net loans and leases to deposits | 111.2468% | 156 |
| Net loans and leases to core deposits | 117.4170% | 412 |
| Total domestic deposits to total assets | 74.2252% | 6,692 |
| Equity capital to assets | 10.7239% | 3,281 |
| Core capital (leverage) ratio | 10.6772% | 2,547 |
| Tier 1 risk-based capital ratio | 16.9559% | 2,626 |
| Total risk-based capital ratio | 18.2142% | 2,584 |
| Memoranda: | ||
| Average total assets | $1,325,980,200 | 491 |
| Average earning assets | $1,240,330,400 | 480 |
| Average equity | $137,171,800 | 505 |
| Average total loans | $1,102,826,400 | 383 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 5,655 |
| Cost of funding earning assets | 1.4539% | 1,010 |
| Net interest margin | 2.9315% | 6,704 |
| Noninterest income to average assets | 2.3835% | 285 |
| Noninterest expense to average assets | 3.4260% | 2,123 |
| Loan and lease loss provision to assets | 0.4514% | 2,209 |
| Net operating income to assets | 0.7098% | 3,563 |
| Return on assets (ROA) | 0.7098% | 3,728 |
| Pretax return on assets | 1.2458% | 2,468 |
| Return on Equity (ROE) | 6.9236% | 3,561 |
| Retained earnings to average equity (ytd only) | 2.0451% | 5,117 |
| Net charge-offs to loans | 1.0037% | 1,603 |
| Credit loss provision to net charge-offs | 54.1657% | 4,947 |
| Earnings coverage of net charge-offs (x) | 2.0367% | 4,129 |
| Efficiency ratio | 66.7532% | 4,576 |
| Assets per employee ($millions) | 3.0063% | 6,104 |
| Cash dividends to net income (ytd only)* | 70.4622% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 4,636 |
| Loan loss allowance to noncurrent loans | 42.9928% | 5,439 |
| Noncurrent assets plus other real estate owned to assets | 3.3609% | 1,892 |
| Noncurrent loans to loans | 3.2116% | 2,166 |
| Net loans and leases to total assets | 86.2181% | 127 |
| Net loans and leases to deposits | 116.7539% | 107 |
| Net loans and leases to core deposits | 123.4493% | 318 |
| Total domestic deposits to total assets | 73.8460% | 6,778 |
| Equity capital to assets | 10.3873% | 3,847 |
| Core capital (leverage) ratio | 10.3385% | 3,052 |
| Tier 1 risk-based capital ratio | 15.6484% | 3,309 |
| Total risk-based capital ratio | 16.9060% | 3,272 |
| Memoranda: | ||
| Average total assets | $1,332,833,750 | 498 |
| Average earning assets | $1,245,598,750 | 481 |
| Average equity | $136,650,500 | 513 |
| Average total loans | $1,106,599,500 | 387 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 5,497 |
| Cost of funding earning assets | 1.4991% | 1,012 |
| Net interest margin | 2.9590% | 6,678 |
| Noninterest income to average assets | 2.2734% | 307 |
| Noninterest expense to average assets | 3.2855% | 2,613 |
| Loan and lease loss provision to assets | 0.5295% | 1,845 |
| Net operating income to assets | 0.6970% | 3,560 |
| Return on assets (ROA) | 0.6970% | 3,676 |
| Pretax return on assets | 1.2235% | 2,388 |
| Return on Equity (ROE) | 6.8276% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.8276% | 1,957 |
| Net charge-offs to loans | 1.2830% | 1,210 |
| Credit loss provision to net charge-offs | 50.5859% | 4,567 |
| Earnings coverage of net charge-offs (x) | 1.6748% | 4,035 |
| Efficiency ratio | 65.0726% | 5,047 |
| Assets per employee ($millions) | 3.0149% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 4,118 |
| Loan loss allowance to noncurrent loans | 44.0823% | 5,385 |
| Noncurrent assets plus other real estate owned to assets | 3.4579% | 1,906 |
| Noncurrent loans to loans | 3.4071% | 2,084 |
| Net loans and leases to total assets | 81.6492% | 396 |
| Net loans and leases to deposits | 112.6584% | 146 |
| Net loans and leases to core deposits | 119.0635% | 440 |
| Total domestic deposits to total assets | 72.4750% | 6,978 |
| Equity capital to assets | 10.5823% | 3,402 |
| Core capital (leverage) ratio | 10.5302% | 2,684 |
| Tier 1 risk-based capital ratio | 16.2999% | 2,831 |
| Total risk-based capital ratio | 17.5588% | 2,801 |
| Memoranda: | ||
| Average total assets | $1,337,195,670 | 499 |
| Average earning assets | $1,249,544,000 | 488 |
| Average equity | $136,505,330 | 513 |
| Average total loans | $1,090,868,670 | 398 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4927% | 5,361 |
| Cost of funding earning assets | 1.5455% | 996 |
| Net interest margin | 2.9472% | 6,678 |
| Noninterest income to average assets | 2.4213% | 277 |
| Noninterest expense to average assets | 3.0902% | 3,291 |
| Loan and lease loss provision to assets | 0.7988% | 1,057 |
| Net operating income to assets | 0.7252% | 3,402 |
| Return on assets (ROA) | 0.7252% | 3,463 |
| Pretax return on assets | 1.2814% | 2,093 |
| Return on Equity (ROE) | 7.2334% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.2334% | 2,053 |
| Net charge-offs to loans | 2.1032% | 597 |
| Credit loss provision to net charge-offs | 46.9246% | 3,816 |
| Earnings coverage of net charge-offs (x) | 1.2220% | 3,749 |
| Efficiency ratio | 59.6179% | 6,040 |
| Assets per employee ($millions) | 3.0294% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 3,634 |
| Loan loss allowance to noncurrent loans | 37.4078% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 4.2897% | 1,526 |
| Noncurrent loans to loans | 4.3416% | 1,627 |
| Net loans and leases to total assets | 79.1608% | 604 |
| Net loans and leases to deposits | 110.9669% | 168 |
| Net loans and leases to core deposits | 117.9905% | 475 |
| Total domestic deposits to total assets | 71.3373% | 7,117 |
| Equity capital to assets | 10.2100% | 3,525 |
| Core capital (leverage) ratio | 10.1568% | 2,965 |
| Tier 1 risk-based capital ratio | 14.8152% | 3,532 |
| Total risk-based capital ratio | 16.0738% | 3,486 |
| Memoranda: | ||
| Average total assets | $1,348,538,000 | 504 |
| Average earning assets | $1,257,864,000 | 495 |
| Average equity | $135,205,500 | 514 |
| Average total loans | $1,091,476,000 | 403 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 4,530 |
| Cost of funding earning assets | 1.9244% | 780 |
| Net interest margin | 3.0814% | 6,566 |
| Noninterest income to average assets | 2.1160% | 361 |
| Noninterest expense to average assets | 3.0708% | 3,583 |
| Loan and lease loss provision to assets | 0.3048% | 4,363 |
| Net operating income to assets | 0.9156% | 2,330 |
| Return on assets (ROA) | 0.9156% | 2,457 |
| Pretax return on assets | 1.5996% | 1,131 |
| Return on Equity (ROE) | 10.1677% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.1677% | 490 |
| Net charge-offs to loans | 0.7902% | 2,669 |
| Credit loss provision to net charge-offs | 44.9323% | 6,327 |
| Earnings coverage of net charge-offs (x) | 2.8072% | 3,675 |
| Efficiency ratio | 61.5300% | 5,804 |
| Assets per employee ($millions) | 3.1510% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 2,498 |
| Loan loss allowance to noncurrent loans | 42.4443% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 4.6761% | 1,410 |
| Noncurrent loans to loans | 4.5260% | 1,559 |
| Net loans and leases to total assets | 79.8374% | 683 |
| Net loans and leases to deposits | 115.8131% | 144 |
| Net loans and leases to core deposits | 122.8392% | 453 |
| Total domestic deposits to total assets | 68.9364% | 7,288 |
| Equity capital to assets | 9.8447% | 3,944 |
| Core capital (leverage) ratio | 9.8001% | 3,316 |
| Tier 1 risk-based capital ratio | 13.9686% | 3,890 |
| Total risk-based capital ratio | 15.2314% | 3,850 |
| Memoranda: | ||
| Average total assets | $1,393,304,800 | 488 |
| Average earning assets | $1,292,805,200 | 473 |
| Average equity | $125,466,400 | 542 |
| Average total loans | $1,196,130,600 | 378 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 4,537 |
| Cost of funding earning assets | 1.9864% | 786 |
| Net interest margin | 3.0745% | 6,672 |
| Noninterest income to average assets | 1.8290% | 438 |
| Noninterest expense to average assets | 2.9821% | 3,814 |
| Loan and lease loss provision to assets | 0.3042% | 4,143 |
| Net operating income to assets | 0.7973% | 3,009 |
| Return on assets (ROA) | 0.7973% | 3,171 |
| Pretax return on assets | 1.3948% | 1,894 |
| Return on Equity (ROE) | 9.0581% | 2,473 |
| Retained earnings to average equity (ytd only) | 9.0581% | 1,041 |
| Net charge-offs to loans | 0.6475% | 2,810 |
| Credit loss provision to net charge-offs | 54.0463% | 5,823 |
| Earnings coverage of net charge-offs (x) | 3.0186% | 3,624 |
| Efficiency ratio | 63.4875% | 5,342 |
| Assets per employee ($millions) | 3.3717% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9783% | 2,282 |
| Loan loss allowance to noncurrent loans | 43.3217% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 5.2350% | 1,200 |
| Noncurrent loans to loans | 4.5666% | 1,571 |
| Net loans and leases to total assets | 86.1988% | 185 |
| Net loans and leases to deposits | 127.1096% | 79 |
| Net loans and leases to core deposits | 135.1083% | 313 |
| Total domestic deposits to total assets | 67.8146% | 7,390 |
| Equity capital to assets | 9.2968% | 5,147 |
| Core capital (leverage) ratio | 9.2454% | 4,286 |
| Tier 1 risk-based capital ratio | 12.6931% | 4,820 |
| Total risk-based capital ratio | 13.9579% | 4,786 |
| Memoranda: | ||
| Average total assets | $1,402,109,500 | 474 |
| Average earning assets | $1,300,701,750 | 462 |
| Average equity | $123,408,000 | 544 |
| Average total loans | $1,218,788,750 | 368 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1132% | 4,387 |
| Cost of funding earning assets | 2.0356% | 808 |
| Net interest margin | 3.0775% | 6,660 |
| Noninterest income to average assets | 1.2387% | 847 |
| Noninterest expense to average assets | 2.8486% | 4,270 |
| Loan and lease loss provision to assets | 0.3302% | 3,757 |
| Net operating income to assets | 0.5334% | 4,181 |
| Return on assets (ROA) | 0.5334% | 4,331 |
| Pretax return on assets | 0.9141% | 3,437 |
| Return on Equity (ROE) | 6.1747% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.1747% | 2,242 |
| Net charge-offs to loans | 0.6433% | 2,611 |
| Credit loss provision to net charge-offs | 59.2801% | 5,224 |
| Earnings coverage of net charge-offs (x) | 2.2339% | 3,891 |
| Efficiency ratio | 69.3107% | 4,314 |
| Assets per employee ($millions) | 3.7218% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1358% | 1,894 |
| Loan loss allowance to noncurrent loans | 43.6793% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 5.2487% | 1,199 |
| Noncurrent loans to loans | 4.8897% | 1,433 |
| Net loans and leases to total assets | 84.0740% | 349 |
| Net loans and leases to deposits | 124.7969% | 92 |
| Net loans and leases to core deposits | 132.5343% | 381 |
| Total domestic deposits to total assets | 67.3686% | 7,454 |
| Equity capital to assets | 8.8756% | 5,634 |
| Core capital (leverage) ratio | 8.8233% | 4,875 |
| Tier 1 risk-based capital ratio | 11.9053% | 5,397 |
| Total risk-based capital ratio | 13.1713% | 5,355 |
| Memoranda: | ||
| Average total assets | $1,406,431,000 | 473 |
| Average earning assets | $1,304,351,330 | 461 |
| Average equity | $121,495,330 | 549 |
| Average total loans | $1,217,853,670 | 372 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0803% | 4,629 |
| Cost of funding earning assets | 2.1189% | 763 |
| Net interest margin | 2.9615% | 6,916 |
| Noninterest income to average assets | 0.8108% | 1,969 |
| Noninterest expense to average assets | 2.6852% | 4,978 |
| Loan and lease loss provision to assets | 0.6587% | 1,924 |
| Net operating income to assets | 0.1305% | 5,925 |
| Return on assets (ROA) | 0.1305% | 6,046 |
| Pretax return on assets | 0.2139% | 5,836 |
| Return on Equity (ROE) | 1.5315% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.5315% | 5,176 |
| Net charge-offs to loans | 0.9676% | 1,683 |
| Credit loss provision to net charge-offs | 78.3137% | 3,925 |
| Earnings coverage of net charge-offs (x) | 1.0374% | 4,148 |
| Efficiency ratio | 75.1615% | 3,364 |
| Assets per employee ($millions) | 3.8823% | 4,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1908% | 1,776 |
| Loan loss allowance to noncurrent loans | 36.0198% | 5,973 |
| Noncurrent assets plus other real estate owned to assets | 6.5094% | 877 |
| Noncurrent loans to loans | 6.0822% | 1,075 |
| Net loans and leases to total assets | 84.5903% | 323 |
| Net loans and leases to deposits | 123.9736% | 106 |
| Net loans and leases to core deposits | 134.4251% | 400 |
| Total domestic deposits to total assets | 68.2325% | 7,515 |
| Equity capital to assets | 8.5831% | 5,894 |
| Core capital (leverage) ratio | 8.5335% | 5,317 |
| Tier 1 risk-based capital ratio | 14.2534% | 3,510 |
| Total risk-based capital ratio | 15.5281% | 3,465 |
| Memoranda: | ||
| Average total assets | $1,409,956,000 | 486 |
| Average earning assets | $1,307,871,000 | 475 |
| Average equity | $120,141,500 | 561 |
| Average total loans | $1,225,685,000 | 387 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5662% | 3,776 |
| Cost of funding earning assets | 2.6073% | 765 |
| Net interest margin | 2.9590% | 6,735 |
| Noninterest income to average assets | 1.5345% | 606 |
| Noninterest expense to average assets | 2.1999% | 6,995 |
| Loan and lease loss provision to assets | 3.0262% | 574 |
| Net operating income to assets | -0.4817% | 6,160 |
| Return on assets (ROA) | -0.2315% | 5,877 |
| Pretax return on assets | -0.5308% | 6,034 |
| Return on Equity (ROE) | -3.1373% | 6,003 |
| Retained earnings to average equity (ytd only) | -3.1373% | 5,726 |
| Net charge-offs to loans | 2.7398% | 821 |
| Credit loss provision to net charge-offs | 128.7064% | 4,002 |
| Earnings coverage of net charge-offs (x) | 0.8950% | 5,216 |
| Efficiency ratio | 50.7716% | 7,489 |
| Assets per employee ($millions) | 4.1361% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 1,642 |
| Loan loss allowance to noncurrent loans | 30.3574% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 7.1192% | 705 |
| Noncurrent loans to loans | 7.2685% | 742 |
| Net loans and leases to total assets | 85.4456% | 311 |
| Net loans and leases to deposits | 127.7829% | 106 |
| Net loans and leases to core deposits | 173.1498% | 214 |
| Total domestic deposits to total assets | 66.8678% | 7,611 |
| Equity capital to assets | 8.4592% | 5,954 |
| Core capital (leverage) ratio | 8.4123% | 5,413 |
| Tier 1 risk-based capital ratio | 13.7851% | 3,640 |
| Total risk-based capital ratio | 15.0596% | 3,564 |
| Memoranda: | ||
| Average total assets | $1,517,587,000 | 453 |
| Average earning assets | $1,420,600,400 | 442 |
| Average equity | $111,975,000 | 584 |
| Average total loans | $1,302,371,800 | 375 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6454% | 3,598 |
| Cost of funding earning assets | 2.6657% | 872 |
| Net interest margin | 2.9797% | 6,657 |
| Noninterest income to average assets | 1.4103% | 761 |
| Noninterest expense to average assets | 2.0080% | 7,365 |
| Loan and lease loss provision to assets | 3.7675% | 335 |
| Net operating income to assets | -0.8409% | 6,720 |
| Return on assets (ROA) | -0.5317% | 6,460 |
| Pretax return on assets | -1.0873% | 6,745 |
| Return on Equity (ROE) | -7.4567% | 6,695 |
| Retained earnings to average equity (ytd only) | -7.4567% | 6,547 |
| Net charge-offs to loans | 3.1858% | 505 |
| Credit loss provision to net charge-offs | 138.3742% | 3,576 |
| Earnings coverage of net charge-offs (x) | 0.8070% | 5,245 |
| Efficiency ratio | 47.3991% | 7,694 |
| Assets per employee ($millions) | 4.3778% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2971% | 1,303 |
| Loan loss allowance to noncurrent loans | 34.0493% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 6.6380% | 750 |
| Noncurrent loans to loans | 6.7465% | 834 |
| Net loans and leases to total assets | 83.7086% | 576 |
| Net loans and leases to deposits | 131.7312% | 100 |
| Net loans and leases to core deposits | 183.8968% | 162 |
| Total domestic deposits to total assets | 63.5450% | 7,785 |
| Equity capital to assets | 7.0787% | 7,558 |
| Core capital (leverage) ratio | 7.0319% | 7,412 |
| Tier 1 risk-based capital ratio | 11.8860% | 5,076 |
| Total risk-based capital ratio | 13.1629% | 4,990 |
| Memoranda: | ||
| Average total assets | $1,543,350,000 | 455 |
| Average earning assets | $1,447,559,500 | 447 |
| Average equity | $110,054,250 | 603 |
| Average total loans | $1,318,982,500 | 388 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6913% | 3,589 |
| Cost of funding earning assets | 2.6757% | 1,090 |
| Net interest margin | 3.0157% | 6,501 |
| Noninterest income to average assets | 1.4768% | 676 |
| Noninterest expense to average assets | 1.9226% | 7,597 |
| Loan and lease loss provision to assets | 3.3752% | 427 |
| Net operating income to assets | -0.4553% | 6,500 |
| Return on assets (ROA) | -0.1574% | 6,143 |
| Pretax return on assets | -0.5232% | 6,453 |
| Return on Equity (ROE) | -2.2017% | 6,255 |
| Retained earnings to average equity (ytd only) | -2.2017% | 5,790 |
| Net charge-offs to loans | 3.4924% | 449 |
| Credit loss provision to net charge-offs | 113.1762% | 4,095 |
| Earnings coverage of net charge-offs (x) | 0.8002% | 4,934 |
| Efficiency ratio | 44.2790% | 7,915 |
| Assets per employee ($millions) | 4.8158% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,133 |
| Loan loss allowance to noncurrent loans | 27.9902% | 6,632 |
| Noncurrent assets plus other real estate owned to assets | 5.5873% | 892 |
| Noncurrent loans to loans | 5.3931% | 1,083 |
| Net loans and leases to total assets | 83.0321% | 783 |
| Net loans and leases to deposits | 131.4517% | 110 |
| Net loans and leases to core deposits | 200.5232% | 120 |
| Total domestic deposits to total assets | 63.1655% | 7,860 |
| Equity capital to assets | 7.0015% | 7,621 |
| Core capital (leverage) ratio | 6.8829% | 7,610 |
| Tier 1 risk-based capital ratio | 11.7839% | 5,117 |
| Total risk-based capital ratio | 13.0462% | 5,020 |
| Memoranda: | ||
| Average total assets | $1,564,571,670 | 463 |
| Average earning assets | $1,469,390,670 | 449 |
| Average equity | $111,825,000 | 605 |
| Average total loans | $1,336,061,330 | 397 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 4,086 |
| Cost of funding earning assets | 2.6899% | 1,299 |
| Net interest margin | 2.9542% | 6,599 |
| Noninterest income to average assets | 0.6407% | 3,263 |
| Noninterest expense to average assets | 1.9755% | 7,409 |
| Loan and lease loss provision to assets | 3.4786% | 298 |
| Net operating income to assets | -1.2392% | 7,386 |
| Return on assets (ROA) | -0.6404% | 7,039 |
| Pretax return on assets | -1.1044% | 7,201 |
| Return on Equity (ROE) | -8.8687% | 7,292 |
| Retained earnings to average equity (ytd only) | -8.8687% | 7,003 |
| Net charge-offs to loans | 3.7081% | 329 |
| Credit loss provision to net charge-offs | 109.1488% | 3,526 |
| Earnings coverage of net charge-offs (x) | 0.4514% | 4,630 |
| Efficiency ratio | 57.4342% | 6,768 |
| Assets per employee ($millions) | 5.1244% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 3,813 |
| Loan loss allowance to noncurrent loans | 27.0536% | 6,764 |
| Noncurrent assets plus other real estate owned to assets | 5.1824% | 852 |
| Noncurrent loans to loans | 4.9819% | 1,090 |
| Net loans and leases to total assets | 85.0612% | 544 |
| Net loans and leases to deposits | 138.5230% | 96 |
| Net loans and leases to core deposits | 210.1760% | 116 |
| Total domestic deposits to total assets | 61.4059% | 7,932 |
| Equity capital to assets | 7.1494% | 7,599 |
| Core capital (leverage) ratio | 7.0619% | 7,594 |
| Tier 1 risk-based capital ratio | 11.4220% | 5,482 |
| Total risk-based capital ratio | 12.6805% | 5,373 |
| Memoranda: | ||
| Average total assets | $1,557,058,500 | 470 |
| Average earning assets | $1,461,787,500 | 455 |
| Average equity | $112,440,000 | 599 |
| Average total loans | $1,338,254,000 | 399 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0824% | 5,133 |
| Cost of funding earning assets | 3.1513% | 1,347 |
| Net interest margin | 2.9310% | 7,078 |
| Noninterest income to average assets | 0.2276% | 6,807 |
| Noninterest expense to average assets | 1.8554% | 7,681 |
| Loan and lease loss provision to assets | 1.9597% | 621 |
| Net operating income to assets | -0.5243% | 6,936 |
| Return on assets (ROA) | -0.4083% | 6,709 |
| Pretax return on assets | -0.6298% | 6,760 |
| Return on Equity (ROE) | -5.5926% | 6,921 |
| Retained earnings to average equity (ytd only) | -5.5926% | 6,603 |
| Net charge-offs to loans | 1.9467% | 561 |
| Credit loss provision to net charge-offs | 117.0715% | 4,605 |
| Earnings coverage of net charge-offs (x) | 0.6878% | 5,812 |
| Efficiency ratio | 61.3349% | 6,103 |
| Assets per employee ($millions) | 5.7239% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,924 |
| Loan loss allowance to noncurrent loans | 37.1401% | 6,249 |
| Noncurrent assets plus other real estate owned to assets | 3.6723% | 1,188 |
| Noncurrent loans to loans | 3.4501% | 1,479 |
| Net loans and leases to total assets | 84.5720% | 797 |
| Net loans and leases to deposits | 138.7469% | 116 |
| Net loans and leases to core deposits | 214.2326% | 129 |
| Total domestic deposits to total assets | 60.9541% | 7,931 |
| Equity capital to assets | 7.2938% | 7,564 |
| Core capital (leverage) ratio | 7.2507% | 7,468 |
| Tier 1 risk-based capital ratio | 11.6256% | 5,132 |
| Total risk-based capital ratio | 12.8825% | 5,012 |
| Memoranda: | ||
| Average total assets | $1,618,476,200 | 435 |
| Average earning assets | $1,534,651,400 | 420 |
| Average equity | $118,156,000 | 581 |
| Average total loans | $1,391,657,200 | 378 |