Home > RBC Bank, (Georgia) > Performance and Condition Ratios
RBC Bank, (Georgia), Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 4,074 |
| Cost of funding earning assets | 0.5859% | 4,091 |
| Net interest margin | 3.3225% | 2,571 |
| Noninterest income to average assets | 0.8900% | 777 |
| Noninterest expense to average assets | 1.3355% | 4,421 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 2.0778% | 413 |
| Return on assets (ROA) | 2.0782% | 402 |
| Pretax return on assets | 2.6908% | 283 |
| Return on Equity (ROE) | 23.2200% | 394 |
| Retained earnings to average equity (ytd only) | 13.4133% | 456 |
| Net charge-offs to loans | 0.2771% | 387 |
| Credit loss provision to net charge-offs | 119.9612% | 1,674 |
| Earnings coverage of net charge-offs (x) | 24.4846% | 1,759 |
| Efficiency ratio | 32.1179% | 4,484 |
| Assets per employee ($millions) | 30.3338% | 47 |
| Cash dividends to net income (ytd only)* | 42.2314% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7920% | 3,982 |
| Loan loss allowance to noncurrent loans | 128.2884% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2702% | 1,877 |
| Noncurrent loans to loans | 0.6174% | 1,280 |
| Net loans and leases to total assets | 42.8300% | 3,943 |
| Net loans and leases to deposits | 47.9611% | 3,997 |
| Net loans and leases to core deposits | 48.5911% | 4,109 |
| Total domestic deposits to total assets | 89.3000% | 977 |
| Equity capital to assets | 9.7751% | 2,145 |
| Core capital (leverage) ratio | 10.3520% | 2,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.4606% | 230 |
| Memoranda: | ||
| Average total assets | $6,266,617,000 | 234 |
| Average earning assets | $6,172,997,000 | 216 |
| Average equity | $560,897,600 | 244 |
| Average total loans | $2,606,786,400 | 333 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7731% | 4,137 |
| Cost of funding earning assets | 0.5605% | 4,045 |
| Net interest margin | 3.2127% | 2,887 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 1.3451% | 4,429 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.9999% | 501 |
| Return on assets (ROA) | 1.9999% | 489 |
| Pretax return on assets | 2.5878% | 347 |
| Return on Equity (ROE) | 22.8800% | 496 |
| Retained earnings to average equity (ytd only) | 9.4220% | 1,570 |
| Net charge-offs to loans | 0.2664% | 335 |
| Credit loss provision to net charge-offs | 105.1647% | 1,582 |
| Earnings coverage of net charge-offs (x) | 24.6297% | 1,703 |
| Efficiency ratio | 33.2264% | 4,485 |
| Assets per employee ($millions) | 29.5690% | 49 |
| Cash dividends to net income (ytd only)* | 58.8279% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 4,331 |
| Loan loss allowance to noncurrent loans | 108.8233% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2062% | 2,234 |
| Noncurrent loans to loans | 0.4893% | 1,598 |
| Net loans and leases to total assets | 41.9100% | 3,992 |
| Net loans and leases to deposits | 47.0270% | 4,029 |
| Net loans and leases to core deposits | 47.5330% | 4,094 |
| Total domestic deposits to total assets | 89.1100% | 1,209 |
| Equity capital to assets | 8.9940% | 2,418 |
| Core capital (leverage) ratio | 9.7807% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0904% | 269 |
| Memoranda: | ||
| Average total assets | $6,233,163,000 | 237 |
| Average earning assets | $6,141,100,000 | 218 |
| Average equity | $544,710,500 | 253 |
| Average total loans | $2,567,669,250 | 338 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 4,294 |
| Cost of funding earning assets | 0.5182% | 3,946 |
| Net interest margin | 3.0422% | 3,335 |
| Noninterest income to average assets | 0.9400% | 633 |
| Noninterest expense to average assets | 1.3792% | 4,431 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.8916% | 569 |
| Return on assets (ROA) | 1.8916% | 562 |
| Pretax return on assets | 2.4759% | 368 |
| Return on Equity (ROE) | 21.8600% | 549 |
| Retained earnings to average equity (ytd only) | 1.3627% | 3,850 |
| Net charge-offs to loans | 0.2567% | 325 |
| Credit loss provision to net charge-offs | 73.7781% | 1,577 |
| Earnings coverage of net charge-offs (x) | 24.3388% | 1,654 |
| Efficiency ratio | 35.0708% | 4,490 |
| Assets per employee ($millions) | 28.9634% | 49 |
| Cash dividends to net income (ytd only)* | 93.7670% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5076% | 4,375 |
| Loan loss allowance to noncurrent loans | 123.7861% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 2,393 |
| Noncurrent loans to loans | 0.4100% | 1,700 |
| Net loans and leases to total assets | 40.4100% | 4,023 |
| Net loans and leases to deposits | 45.0700% | 4,069 |
| Net loans and leases to core deposits | 45.4600% | 4,138 |
| Total domestic deposits to total assets | 89.6700% | 1,024 |
| Equity capital to assets | 8.4135% | 2,932 |
| Core capital (leverage) ratio | 9.3664% | 3,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5096% | 283 |
| Memoranda: | ||
| Average total assets | $6,201,626,667 | 232 |
| Average earning assets | $6,108,298,000 | 215 |
| Average equity | $536,575,000 | 249 |
| Average total loans | $2,534,889,667 | 326 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3867% | 4,380 |
| Cost of funding earning assets | 0.4383% | 3,868 |
| Net interest margin | 2.9484% | 3,702 |
| Noninterest income to average assets | 1.0100% | 565 |
| Noninterest expense to average assets | 1.4192% | 4,459 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 1.7884% | 687 |
| Return on assets (ROA) | 1.7884% | 678 |
| Pretax return on assets | 2.3313% | 458 |
| Return on Equity (ROE) | 20.3800% | 716 |
| Retained earnings to average equity (ytd only) | 20.3796% | 353 |
| Net charge-offs to loans | 0.2329% | 320 |
| Credit loss provision to net charge-offs | 167.6230% | 906 |
| Earnings coverage of net charge-offs (x) | 26.0833% | 1,357 |
| Efficiency ratio | 36.2919% | 4,533 |
| Assets per employee ($millions) | 25.0574% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5852% | 4,381 |
| Loan loss allowance to noncurrent loans | 144.6718% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 2,329 |
| Noncurrent loans to loans | 0.4045% | 1,719 |
| Net loans and leases to total assets | 41.1200% | 3,992 |
| Net loans and leases to deposits | 45.7689% | 4,045 |
| Net loans and leases to core deposits | 46.1024% | 4,107 |
| Total domestic deposits to total assets | 89.8400% | 1,218 |
| Equity capital to assets | 9.0788% | 2,454 |
| Core capital (leverage) ratio | 9.9786% | 2,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7595% | 266 |
| Memoranda: | ||
| Average total assets | $6,130,947,500 | 241 |
| Average earning assets | $6,037,504,500 | 224 |
| Average equity | $538,029,000 | 254 |
| Average total loans | $2,514,066,500 | 338 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3308% | 4,556 |
| Cost of funding earning assets | 0.2104% | 3,672 |
| Net interest margin | 2.1204% | 4,510 |
| Noninterest income to average assets | 0.8600% | 871 |
| Noninterest expense to average assets | 1.2710% | 4,570 |
| Loan and lease loss provision to assets | 0.1100% | 1,145 |
| Net operating income to assets | 1.2131% | 1,723 |
| Return on assets (ROA) | 1.2131% | 1,668 |
| Pretax return on assets | 1.5724% | 1,236 |
| Return on Equity (ROE) | 14.8100% | 1,310 |
| Retained earnings to average equity (ytd only) | 14.8083% | 304 |
| Net charge-offs to loans | 0.1559% | 532 |
| Credit loss provision to net charge-offs | 194.3775% | 1,144 |
| Earnings coverage of net charge-offs (x) | 29.4337% | 1,695 |
| Efficiency ratio | 43.0176% | 4,461 |
| Assets per employee ($millions) | 26.1707% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 4,378 |
| Loan loss allowance to noncurrent loans | 187.5606% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 2,675 |
| Noncurrent loans to loans | 0.2997% | 2,067 |
| Net loans and leases to total assets | 40.4200% | 4,051 |
| Net loans and leases to deposits | 44.4919% | 4,097 |
| Net loans and leases to core deposits | 44.7857% | 4,158 |
| Total domestic deposits to total assets | 90.8500% | 1,010 |
| Equity capital to assets | 8.4692% | 2,726 |
| Core capital (leverage) ratio | 9.5189% | 3,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.6791% | 269 |
| Memoranda: | ||
| Average total assets | $6,094,554,400 | 237 |
| Average earning assets | $6,006,371,200 | 217 |
| Average equity | $499,247,200 | 265 |
| Average total loans | $2,235,828,600 | 347 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0721% | 4,594 |
| Cost of funding earning assets | 0.1684% | 3,644 |
| Net interest margin | 1.9037% | 4,582 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 1.2045% | 4,624 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1174% | 2,013 |
| Return on assets (ROA) | 1.1174% | 1,980 |
| Pretax return on assets | 1.4453% | 1,579 |
| Return on Equity (ROE) | 13.7600% | 1,494 |
| Retained earnings to average equity (ytd only) | 13.7570% | 500 |
| Net charge-offs to loans | 0.1497% | 439 |
| Credit loss provision to net charge-offs | 120.7617% | 1,217 |
| Earnings coverage of net charge-offs (x) | 28.2580% | 1,547 |
| Efficiency ratio | 44.3765% | 4,452 |
| Assets per employee ($millions) | 27.9395% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4761% | 4,498 |
| Loan loss allowance to noncurrent loans | 100.1167% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,369 |
| Noncurrent loans to loans | 0.4756% | 1,609 |
| Net loans and leases to total assets | 38.6200% | 4,121 |
| Net loans and leases to deposits | 42.4143% | 4,167 |
| Net loans and leases to core deposits | 42.6772% | 4,204 |
| Total domestic deposits to total assets | 91.0400% | 1,224 |
| Equity capital to assets | 7.9771% | 2,912 |
| Core capital (leverage) ratio | 9.1871% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3240% | 286 |
| Memoranda: | ||
| Average total assets | $6,093,747,500 | 239 |
| Average earning assets | $6,006,180,500 | 218 |
| Average equity | $494,950,750 | 268 |
| Average total loans | $2,175,123,000 | 351 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7994% | 4,664 |
| Cost of funding earning assets | 0.1976% | 2,944 |
| Net interest margin | 1.6018% | 4,671 |
| Noninterest income to average assets | 0.8503% | 942 |
| Noninterest expense to average assets | 1.2129% | 4,638 |
| Loan and lease loss provision to assets | 0.0475% | 1,714 |
| Net operating income to assets | 0.8999% | 2,584 |
| Return on assets (ROA) | 0.8999% | 2,555 |
| Pretax return on assets | 1.1695% | 2,174 |
| Return on Equity (ROE) | 11.0142% | 1,972 |
| Retained earnings to average equity (ytd only) | 11.0142% | 782 |
| Net charge-offs to loans | 0.1421% | 461 |
| Credit loss provision to net charge-offs | 96.3479% | 1,317 |
| Earnings coverage of net charge-offs (x) | 24.7005% | 1,474 |
| Efficiency ratio | 49.9152% | 4,251 |
| Assets per employee ($millions) | 30.8784% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4733% | 4,573 |
| Loan loss allowance to noncurrent loans | 130.7521% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 2,795 |
| Noncurrent loans to loans | 0.3620% | 2,060 |
| Net loans and leases to total assets | 36.0501% | 4,249 |
| Net loans and leases to deposits | 39.5331% | 4,284 |
| Net loans and leases to core deposits | 39.7773% | 4,328 |
| Total domestic deposits to total assets | 91.1897% | 1,150 |
| Equity capital to assets | 8.0001% | 3,126 |
| Core capital (leverage) ratio | 8.7877% | 3,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2855% | 283 |
| Memoranda: | ||
| Average total assets | $6,113,353,000 | 234 |
| Average earning assets | $6,028,139,000 | 219 |
| Average equity | $499,463,333 | 267 |
| Average total loans | $2,119,647,333 | 350 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5845% | 4,709 |
| Cost of funding earning assets | 0.1913% | 2,925 |
| Net interest margin | 1.3932% | 4,713 |
| Noninterest income to average assets | 0.8733% | 879 |
| Noninterest expense to average assets | 1.2353% | 4,652 |
| Loan and lease loss provision to assets | 0.0746% | 1,106 |
| Net operating income to assets | 0.7223% | 2,974 |
| Return on assets (ROA) | 0.7223% | 2,964 |
| Pretax return on assets | 0.9376% | 2,642 |
| Return on Equity (ROE) | 8.7485% | 2,416 |
| Retained earnings to average equity (ytd only) | 8.7485% | 1,349 |
| Net charge-offs to loans | 0.0939% | 548 |
| Credit loss provision to net charge-offs | 234.2975% | 737 |
| Earnings coverage of net charge-offs (x) | 31.7996% | 1,106 |
| Efficiency ratio | 54.9628% | 3,980 |
| Assets per employee ($millions) | 30.7309% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5318% | 4,557 |
| Loan loss allowance to noncurrent loans | 122.7391% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1497% | 2,752 |
| Noncurrent loans to loans | 0.4333% | 1,947 |
| Net loans and leases to total assets | 34.3615% | 4,291 |
| Net loans and leases to deposits | 37.6556% | 4,333 |
| Net loans and leases to core deposits | 37.8851% | 4,375 |
| Total domestic deposits to total assets | 91.2520% | 910 |
| Equity capital to assets | 7.9628% | 3,599 |
| Core capital (leverage) ratio | 8.7696% | 3,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.0931% | 290 |
| Memoranda: | ||
| Average total assets | $6,082,193,500 | 238 |
| Average earning assets | $5,999,003,500 | 224 |
| Average equity | $502,164,000 | 271 |
| Average total loans | $2,061,010,000 | 357 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4953% | 4,746 |
| Cost of funding earning assets | 0.2108% | 3,357 |
| Net interest margin | 1.2845% | 4,749 |
| Noninterest income to average assets | 0.7269% | 1,674 |
| Noninterest expense to average assets | 1.2368% | 4,700 |
| Loan and lease loss provision to assets | -0.0269% | 4,257 |
| Net operating income to assets | 0.6128% | 3,844 |
| Return on assets (ROA) | 0.6216% | 3,872 |
| Pretax return on assets | 0.7949% | 3,737 |
| Return on Equity (ROE) | 6.8421% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.8421% | 1,986 |
| Net charge-offs to loans | 0.1734% | 559 |
| Credit loss provision to net charge-offs | -48.7694% | 3,254 |
| Earnings coverage of net charge-offs (x) | 13.7244% | 2,064 |
| Efficiency ratio | 62.0392% | 2,861 |
| Assets per employee ($millions) | 31.3449% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5324% | 4,596 |
| Loan loss allowance to noncurrent loans | 157.2864% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 3,142 |
| Noncurrent loans to loans | 0.3385% | 2,369 |
| Net loans and leases to total assets | 33.0359% | 4,408 |
| Net loans and leases to deposits | 36.3820% | 4,464 |
| Net loans and leases to core deposits | 36.5422% | 4,508 |
| Total domestic deposits to total assets | 90.8028% | 580 |
| Equity capital to assets | 8.5560% | 4,014 |
| Core capital (leverage) ratio | 8.7308% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6782% | 289 |
| Memoranda: | ||
| Average total assets | $5,600,334,800 | 247 |
| Average earning assets | $5,522,737,800 | 230 |
| Average equity | $508,821,000 | 266 |
| Average total loans | $1,781,355,200 | 397 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5055% | 4,828 |
| Cost of funding earning assets | 0.2104% | 3,511 |
| Net interest margin | 1.2952% | 4,832 |
| Noninterest income to average assets | 0.6961% | 1,832 |
| Noninterest expense to average assets | 1.2520% | 4,777 |
| Loan and lease loss provision to assets | -0.0846% | 4,567 |
| Net operating income to assets | 0.6341% | 3,942 |
| Return on assets (ROA) | 0.6462% | 3,962 |
| Pretax return on assets | 0.8208% | 3,852 |
| Return on Equity (ROE) | 7.0006% | 3,667 |
| Retained earnings to average equity (ytd only) | 7.0006% | 2,419 |
| Net charge-offs to loans | 0.1917% | 440 |
| Credit loss provision to net charge-offs | -140.3947% | 3,294 |
| Earnings coverage of net charge-offs (x) | 11.9686% | 1,974 |
| Efficiency ratio | 63.4577% | 2,468 |
| Assets per employee ($millions) | 30.6284% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4979% | 4,707 |
| Loan loss allowance to noncurrent loans | 125.6577% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 3,283 |
| Noncurrent loans to loans | 0.3962% | 2,373 |
| Net loans and leases to total assets | 31.3261% | 4,560 |
| Net loans and leases to deposits | 34.7141% | 4,612 |
| Net loans and leases to core deposits | 34.8706% | 4,635 |
| Total domestic deposits to total assets | 90.2402% | 663 |
| Equity capital to assets | 8.7842% | 4,014 |
| Core capital (leverage) ratio | 8.8412% | 3,721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3499% | 292 |
| Memoranda: | ||
| Average total assets | $5,495,865,500 | 250 |
| Average earning assets | $5,417,960,500 | 233 |
| Average equity | $507,296,000 | 268 |
| Average total loans | $1,726,991,250 | 407 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5664% | 4,863 |
| Cost of funding earning assets | 0.2129% | 3,628 |
| Net interest margin | 1.3535% | 4,861 |
| Noninterest income to average assets | 0.7084% | 1,774 |
| Noninterest expense to average assets | 1.2927% | 4,792 |
| Loan and lease loss provision to assets | -0.0790% | 4,579 |
| Net operating income to assets | 0.6396% | 3,895 |
| Return on assets (ROA) | 0.6574% | 3,920 |
| Pretax return on assets | 0.8510% | 3,763 |
| Return on Equity (ROE) | 6.9981% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.9981% | 2,435 |
| Net charge-offs to loans | 0.1990% | 431 |
| Credit loss provision to net charge-offs | -126.3441% | 3,106 |
| Earnings coverage of net charge-offs (x) | 11.9940% | 1,734 |
| Efficiency ratio | 63.2984% | 2,520 |
| Assets per employee ($millions) | 29.5685% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6636% | 4,585 |
| Loan loss allowance to noncurrent loans | 115.2321% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 3,104 |
| Noncurrent loans to loans | 0.5758% | 1,958 |
| Net loans and leases to total assets | 30.0257% | 4,648 |
| Net loans and leases to deposits | 33.3467% | 4,697 |
| Net loans and leases to core deposits | 33.5045% | 4,723 |
| Total domestic deposits to total assets | 90.0409% | 757 |
| Equity capital to assets | 8.9571% | 3,829 |
| Core capital (leverage) ratio | 9.2246% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0112% | 275 |
| Memoranda: | ||
| Average total assets | $5,357,391,000 | 254 |
| Average earning assets | $5,279,327,667 | 239 |
| Average equity | $503,309,000 | 268 |
| Average total loans | $1,682,308,333 | 421 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6619% | 4,889 |
| Cost of funding earning assets | 0.2172% | 3,756 |
| Net interest margin | 1.4446% | 4,882 |
| Noninterest income to average assets | 0.7145% | 1,826 |
| Noninterest expense to average assets | 1.3778% | 4,759 |
| Loan and lease loss provision to assets | -0.0563% | 4,661 |
| Net operating income to assets | 0.6300% | 3,866 |
| Return on assets (ROA) | 0.6644% | 3,865 |
| Pretax return on assets | 0.8589% | 3,698 |
| Return on Equity (ROE) | 6.8949% | 3,631 |
| Retained earnings to average equity (ytd only) | 6.8949% | 2,608 |
| Net charge-offs to loans | 0.2163% | 382 |
| Credit loss provision to net charge-offs | -81.2918% | 2,807 |
| Earnings coverage of net charge-offs (x) | 10.9510% | 1,478 |
| Efficiency ratio | 64.4802% | 2,412 |
| Assets per employee ($millions) | 27.5740% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 4,372 |
| Loan loss allowance to noncurrent loans | 118.7969% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 3,060 |
| Noncurrent loans to loans | 0.6872% | 1,867 |
| Net loans and leases to total assets | 31.3914% | 4,648 |
| Net loans and leases to deposits | 35.2177% | 4,699 |
| Net loans and leases to core deposits | 35.5236% | 4,730 |
| Total domestic deposits to total assets | 89.1354% | 1,277 |
| Equity capital to assets | 9.6893% | 3,015 |
| Core capital (leverage) ratio | 9.6784% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5435% | 210 |
| Memoranda: | ||
| Average total assets | $5,182,724,500 | 257 |
| Average earning assets | $5,102,479,000 | 245 |
| Average equity | $499,384,000 | 269 |
| Average total loans | $1,660,997,500 | 428 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2166% | 4,893 |
| Cost of funding earning assets | 0.2148% | 4,531 |
| Net interest margin | 2.0018% | 4,824 |
| Noninterest income to average assets | 0.7410% | 1,717 |
| Noninterest expense to average assets | 1.3884% | 4,839 |
| Loan and lease loss provision to assets | 0.2306% | 1,685 |
| Net operating income to assets | 0.8397% | 2,942 |
| Return on assets (ROA) | 0.8397% | 3,074 |
| Pretax return on assets | 1.0917% | 2,731 |
| Return on Equity (ROE) | 8.5243% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.5243% | 901 |
| Net charge-offs to loans | 0.2310% | 755 |
| Credit loss provision to net charge-offs | 296.7302% | 1,749 |
| Earnings coverage of net charge-offs (x) | 17.0158% | 2,102 |
| Efficiency ratio | 51.2186% | 4,450 |
| Assets per employee ($millions) | 27.4130% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 4,130 |
| Loan loss allowance to noncurrent loans | 111.6690% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 2,952 |
| Noncurrent loans to loans | 0.8243% | 1,699 |
| Net loans and leases to total assets | 32.1620% | 4,701 |
| Net loans and leases to deposits | 35.9433% | 4,747 |
| Net loans and leases to core deposits | 36.3312% | 4,771 |
| Total domestic deposits to total assets | 89.4798% | 777 |
| Equity capital to assets | 9.5801% | 3,533 |
| Core capital (leverage) ratio | 9.8484% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9974% | 203 |
| Memoranda: | ||
| Average total assets | $4,722,529,600 | 256 |
| Average earning assets | $4,647,073,000 | 244 |
| Average equity | $465,209,800 | 270 |
| Average total loans | $1,588,911,000 | 426 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3586% | 4,927 |
| Cost of funding earning assets | 0.2100% | 4,633 |
| Net interest margin | 2.1487% | 4,833 |
| Noninterest income to average assets | 0.7584% | 1,624 |
| Noninterest expense to average assets | 1.4106% | 4,857 |
| Loan and lease loss provision to assets | 0.3213% | 1,232 |
| Net operating income to assets | 0.8757% | 2,787 |
| Return on assets (ROA) | 0.8757% | 2,922 |
| Pretax return on assets | 1.1406% | 2,599 |
| Return on Equity (ROE) | 8.8224% | 2,469 |
| Retained earnings to average equity (ytd only) | 8.8224% | 1,033 |
| Net charge-offs to loans | 0.2454% | 622 |
| Credit loss provision to net charge-offs | 385.4181% | 1,507 |
| Earnings coverage of net charge-offs (x) | 17.5356% | 2,008 |
| Efficiency ratio | 49.1075% | 4,548 |
| Assets per employee ($millions) | 26.6486% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0093% | 3,668 |
| Loan loss allowance to noncurrent loans | 288.3082% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 3,838 |
| Noncurrent loans to loans | 0.3501% | 3,030 |
| Net loans and leases to total assets | 32.7303% | 4,771 |
| Net loans and leases to deposits | 36.7409% | 4,816 |
| Net loans and leases to core deposits | 37.0893% | 4,834 |
| Total domestic deposits to total assets | 89.0842% | 737 |
| Equity capital to assets | 9.7652% | 3,464 |
| Core capital (leverage) ratio | 9.9629% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8964% | 206 |
| Memoranda: | ||
| Average total assets | $4,628,456,250 | 256 |
| Average earning assets | $4,553,796,750 | 244 |
| Average equity | $459,394,750 | 270 |
| Average total loans | $1,572,359,000 | 421 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5286% | 4,957 |
| Cost of funding earning assets | 0.1974% | 4,771 |
| Net interest margin | 2.3312% | 4,824 |
| Noninterest income to average assets | 0.8212% | 1,372 |
| Noninterest expense to average assets | 1.4181% | 4,893 |
| Loan and lease loss provision to assets | 0.4495% | 853 |
| Net operating income to assets | 0.9472% | 2,501 |
| Return on assets (ROA) | 0.9472% | 2,635 |
| Pretax return on assets | 1.2472% | 2,192 |
| Return on Equity (ROE) | 9.4886% | 2,157 |
| Retained earnings to average equity (ytd only) | 9.4886% | 878 |
| Net charge-offs to loans | 0.2426% | 646 |
| Credit loss provision to net charge-offs | 540.2961% | 1,172 |
| Earnings coverage of net charge-offs (x) | 20.3929% | 1,687 |
| Efficiency ratio | 45.5286% | 4,753 |
| Assets per employee ($millions) | 26.6979% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 3,400 |
| Loan loss allowance to noncurrent loans | 296.0862% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 3,943 |
| Noncurrent loans to loans | 0.3487% | 3,148 |
| Net loans and leases to total assets | 32.9588% | 4,804 |
| Net loans and leases to deposits | 37.0596% | 4,845 |
| Net loans and leases to core deposits | 37.4234% | 4,863 |
| Total domestic deposits to total assets | 88.9345% | 768 |
| Equity capital to assets | 9.7998% | 3,368 |
| Core capital (leverage) ratio | 10.4487% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4710% | 207 |
| Memoranda: | ||
| Average total assets | $4,545,708,333 | 258 |
| Average earning assets | $4,472,456,667 | 246 |
| Average equity | $453,786,667 | 273 |
| Average total loans | $1,559,000,333 | 419 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7899% | 5,002 |
| Cost of funding earning assets | 0.1744% | 4,939 |
| Net interest margin | 2.6155% | 4,740 |
| Noninterest income to average assets | 1.0127% | 832 |
| Noninterest expense to average assets | 1.5608% | 4,881 |
| Loan and lease loss provision to assets | 0.9202% | 245 |
| Net operating income to assets | 0.8323% | 2,785 |
| Return on assets (ROA) | 0.8323% | 2,869 |
| Pretax return on assets | 1.1030% | 2,514 |
| Return on Equity (ROE) | 8.2568% | 2,404 |
| Retained earnings to average equity (ytd only) | 8.2568% | 1,153 |
| Net charge-offs to loans | 0.2402% | 594 |
| Credit loss provision to net charge-offs | 1,100.1076% | 533 |
| Earnings coverage of net charge-offs (x) | 24.1873% | 1,308 |
| Efficiency ratio | 43.5484% | 4,893 |
| Assets per employee ($millions) | 25.4747% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 3,227 |
| Loan loss allowance to noncurrent loans | 451.6180% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1027% | 4,103 |
| Noncurrent loans to loans | 0.2429% | 3,614 |
| Net loans and leases to total assets | 35.8246% | 4,783 |
| Net loans and leases to deposits | 40.5113% | 4,830 |
| Net loans and leases to core deposits | 40.9383% | 4,862 |
| Total domestic deposits to total assets | 88.4312% | 917 |
| Equity capital to assets | 10.3395% | 3,476 |
| Core capital (leverage) ratio | 10.4547% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.7910% | 237 |
| Memoranda: | ||
| Average total assets | $4,442,446,000 | 256 |
| Average earning assets | $4,367,382,000 | 245 |
| Average equity | $447,825,500 | 277 |
| Average total loans | $1,547,191,500 | 413 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9749% | 5,061 |
| Cost of funding earning assets | 0.2618% | 4,822 |
| Net interest margin | 2.7130% | 4,832 |
| Noninterest income to average assets | 0.7866% | 1,487 |
| Noninterest expense to average assets | 1.3188% | 5,068 |
| Loan and lease loss provision to assets | 0.0893% | 2,230 |
| Net operating income to assets | 1.5749% | 885 |
| Return on assets (ROA) | 1.5749% | 943 |
| Pretax return on assets | 2.0514% | 532 |
| Return on Equity (ROE) | 18.4398% | 307 |
| Retained earnings to average equity (ytd only) | 18.4398% | 46 |
| Net charge-offs to loans | 0.2109% | 970 |
| Credit loss provision to net charge-offs | 149.3470% | 1,719 |
| Earnings coverage of net charge-offs (x) | 35.7995% | 1,405 |
| Efficiency ratio | 38.1212% | 5,089 |
| Assets per employee ($millions) | 26.9567% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5285% | 4,857 |
| Loan loss allowance to noncurrent loans | 213.4487% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 4,156 |
| Noncurrent loans to loans | 0.2476% | 3,564 |
| Net loans and leases to total assets | 33.3092% | 4,912 |
| Net loans and leases to deposits | 37.4120% | 4,950 |
| Net loans and leases to core deposits | 37.9024% | 4,974 |
| Total domestic deposits to total assets | 89.0334% | 657 |
| Equity capital to assets | 9.8316% | 4,076 |
| Core capital (leverage) ratio | 9.8625% | 3,659 |
| Tier 1 risk-based capital ratio | 30.0405% | 472 |
| Total risk-based capital ratio | 30.5794% | 491 |
| Memoranda: | ||
| Average total assets | $4,737,610,800 | 242 |
| Average earning assets | $4,667,687,600 | 223 |
| Average equity | $404,624,200 | 290 |
| Average total loans | $1,343,234,600 | 448 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0140% | 5,150 |
| Cost of funding earning assets | 0.2892% | 4,819 |
| Net interest margin | 2.7248% | 4,919 |
| Noninterest income to average assets | 0.7340% | 1,651 |
| Noninterest expense to average assets | 1.2657% | 5,158 |
| Loan and lease loss provision to assets | 0.0632% | 2,628 |
| Net operating income to assets | 1.6162% | 894 |
| Return on assets (ROA) | 1.6162% | 932 |
| Pretax return on assets | 2.0907% | 563 |
| Return on Equity (ROE) | 19.6242% | 274 |
| Retained earnings to average equity (ytd only) | 19.6242% | 53 |
| Net charge-offs to loans | 0.2171% | 815 |
| Credit loss provision to net charge-offs | 107.2272% | 2,129 |
| Earnings coverage of net charge-offs (x) | 36.5512% | 1,448 |
| Efficiency ratio | 37.0124% | 5,162 |
| Assets per employee ($millions) | 27.4273% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4857% | 4,988 |
| Loan loss allowance to noncurrent loans | 162.5841% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1022% | 4,201 |
| Noncurrent loans to loans | 0.2988% | 3,469 |
| Net loans and leases to total assets | 30.2818% | 5,049 |
| Net loans and leases to deposits | 33.7789% | 5,094 |
| Net loans and leases to core deposits | 34.1494% | 5,104 |
| Total domestic deposits to total assets | 89.6471% | 394 |
| Equity capital to assets | 9.2118% | 4,659 |
| Core capital (leverage) ratio | 9.2830% | 4,390 |
| Tier 1 risk-based capital ratio | 29.6946% | 494 |
| Total risk-based capital ratio | 30.1621% | 511 |
| Memoranda: | ||
| Average total assets | $4,789,833,750 | 237 |
| Average earning assets | $4,720,824,250 | 217 |
| Average equity | $394,469,000 | 298 |
| Average total loans | $1,299,919,250 | 464 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0172% | 5,204 |
| Cost of funding earning assets | 0.2948% | 4,839 |
| Net interest margin | 2.7224% | 4,986 |
| Noninterest income to average assets | 0.7405% | 1,553 |
| Noninterest expense to average assets | 1.2191% | 5,221 |
| Loan and lease loss provision to assets | 0.0485% | 2,851 |
| Net operating income to assets | 1.6545% | 800 |
| Return on assets (ROA) | 1.6545% | 834 |
| Pretax return on assets | 2.1569% | 492 |
| Return on Equity (ROE) | 20.8671% | 209 |
| Retained earnings to average equity (ytd only) | 20.8671% | 52 |
| Net charge-offs to loans | 0.2234% | 753 |
| Credit loss provision to net charge-offs | 83.2040% | 2,196 |
| Earnings coverage of net charge-offs (x) | 37.8179% | 1,283 |
| Efficiency ratio | 35.5983% | 5,226 |
| Assets per employee ($millions) | 28.9604% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4871% | 5,036 |
| Loan loss allowance to noncurrent loans | 161.6984% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 4,333 |
| Noncurrent loans to loans | 0.3013% | 3,464 |
| Net loans and leases to total assets | 27.7761% | 5,129 |
| Net loans and leases to deposits | 30.7865% | 5,165 |
| Net loans and leases to core deposits | 31.1227% | 5,170 |
| Total domestic deposits to total assets | 90.2218% | 274 |
| Equity capital to assets | 8.7031% | 4,953 |
| Core capital (leverage) ratio | 8.5647% | 4,934 |
| Tier 1 risk-based capital ratio | 28.4819% | 544 |
| Total risk-based capital ratio | 28.9220% | 564 |
| Memoranda: | ||
| Average total assets | $4,859,657,330 | 236 |
| Average earning assets | $4,791,072,670 | 218 |
| Average equity | $385,314,670 | 303 |
| Average total loans | $1,268,630,330 | 475 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9929% | 5,271 |
| Cost of funding earning assets | 0.3040% | 4,831 |
| Net interest margin | 2.6890% | 5,076 |
| Noninterest income to average assets | 0.7708% | 1,361 |
| Noninterest expense to average assets | 1.2549% | 5,270 |
| Loan and lease loss provision to assets | 0.0629% | 2,406 |
| Net operating income to assets | 1.6006% | 893 |
| Return on assets (ROA) | 1.6006% | 926 |
| Pretax return on assets | 2.1036% | 521 |
| Return on Equity (ROE) | 21.1677% | 204 |
| Retained earnings to average equity (ytd only) | 21.1677% | 83 |
| Net charge-offs to loans | 0.1740% | 785 |
| Credit loss provision to net charge-offs | 143.0939% | 1,274 |
| Earnings coverage of net charge-offs (x) | 49.3112% | 1,038 |
| Efficiency ratio | 36.6773% | 5,259 |
| Assets per employee ($millions) | 32.2598% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 5,036 |
| Loan loss allowance to noncurrent loans | 126.3090% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 4,207 |
| Noncurrent loans to loans | 0.4263% | 3,059 |
| Net loans and leases to total assets | 25.6378% | 5,213 |
| Net loans and leases to deposits | 28.1357% | 5,235 |
| Net loans and leases to core deposits | 28.4183% | 5,241 |
| Total domestic deposits to total assets | 91.1217% | 148 |
| Equity capital to assets | 7.8228% | 5,220 |
| Core capital (leverage) ratio | 7.8710% | 5,233 |
| Tier 1 risk-based capital ratio | 25.9308% | 692 |
| Total risk-based capital ratio | 26.3835% | 734 |
| Memoranda: | ||
| Average total assets | $4,943,692,500 | 232 |
| Average earning assets | $4,872,935,000 | 217 |
| Average equity | $373,815,500 | 309 |
| Average total loans | $1,248,186,000 | 484 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6296% | 5,329 |
| Cost of funding earning assets | 0.2772% | 4,669 |
| Net interest margin | 2.3524% | 5,267 |
| Noninterest income to average assets | 0.8748% | 1,250 |
| Noninterest expense to average assets | 1.4033% | 5,262 |
| Loan and lease loss provision to assets | 0.0253% | 3,665 |
| Net operating income to assets | 1.3071% | 1,762 |
| Return on assets (ROA) | 1.3071% | 1,751 |
| Pretax return on assets | 1.7650% | 1,013 |
| Return on Equity (ROE) | 18.7339% | 324 |
| Retained earnings to average equity (ytd only) | 18.7339% | 43 |
| Net charge-offs to loans | 0.1400% | 1,362 |
| Credit loss provision to net charge-offs | 77.6774% | 2,901 |
| Earnings coverage of net charge-offs (x) | 54.9342% | 1,080 |
| Efficiency ratio | 43.9414% | 5,182 |
| Assets per employee ($millions) | 32.7923% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5406% | 5,072 |
| Loan loss allowance to noncurrent loans | 125.4883% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 4,219 |
| Noncurrent loans to loans | 0.4308% | 2,994 |
| Net loans and leases to total assets | 24.5876% | 5,273 |
| Net loans and leases to deposits | 26.7518% | 5,291 |
| Net loans and leases to core deposits | 27.0237% | 5,293 |
| Total domestic deposits to total assets | 91.9101% | 77 |
| Equity capital to assets | 7.3009% | 5,301 |
| Core capital (leverage) ratio | 7.5060% | 5,323 |
| Tier 1 risk-based capital ratio | 24.5494% | 777 |
| Total risk-based capital ratio | 24.9854% | 829 |
| Memoranda: | ||
| Average total assets | $4,756,130,400 | 234 |
| Average earning assets | $4,688,251,800 | 218 |
| Average equity | $331,841,800 | 327 |
| Average total loans | $1,107,252,800 | 516 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5413% | 5,405 |
| Cost of funding earning assets | 0.2577% | 4,744 |
| Net interest margin | 2.2836% | 5,355 |
| Noninterest income to average assets | 0.8496% | 1,332 |
| Noninterest expense to average assets | 1.3604% | 5,343 |
| Loan and lease loss provision to assets | 0.0075% | 3,824 |
| Net operating income to assets | 1.2728% | 1,957 |
| Return on assets (ROA) | 1.2728% | 1,960 |
| Pretax return on assets | 1.7327% | 1,197 |
| Return on Equity (ROE) | 18.4672% | 382 |
| Retained earnings to average equity (ytd only) | 18.4672% | 77 |
| Net charge-offs to loans | 0.1900% | 878 |
| Credit loss provision to net charge-offs | 17.3177% | 3,030 |
| Earnings coverage of net charge-offs (x) | 39.9993% | 1,357 |
| Efficiency ratio | 43.8754% | 5,216 |
| Assets per employee ($millions) | 33.0790% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5021% | 5,187 |
| Loan loss allowance to noncurrent loans | 126.6800% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.0965% | 4,492 |
| Noncurrent loans to loans | 0.3963% | 3,234 |
| Net loans and leases to total assets | 23.0451% | 5,362 |
| Net loans and leases to deposits | 25.1039% | 5,377 |
| Net loans and leases to core deposits | 25.3398% | 5,378 |
| Total domestic deposits to total assets | 91.7989% | 98 |
| Equity capital to assets | 7.1042% | 5,375 |
| Core capital (leverage) ratio | 7.3243% | 5,410 |
| Tier 1 risk-based capital ratio | 24.3631% | 807 |
| Total risk-based capital ratio | 24.7534% | 868 |
| Memoranda: | ||
| Average total assets | $4,707,253,750 | 235 |
| Average earning assets | $4,639,963,000 | 218 |
| Average equity | $324,423,250 | 327 |
| Average total loans | $1,078,039,500 | 525 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4589% | 5,477 |
| Cost of funding earning assets | 0.2317% | 4,840 |
| Net interest margin | 2.2272% | 5,440 |
| Noninterest income to average assets | 0.8924% | 1,200 |
| Noninterest expense to average assets | 1.3686% | 5,408 |
| Loan and lease loss provision to assets | 0.0168% | 3,557 |
| Net operating income to assets | 1.2431% | 2,014 |
| Return on assets (ROA) | 1.2431% | 2,010 |
| Pretax return on assets | 1.7017% | 1,206 |
| Return on Equity (ROE) | 18.2338% | 398 |
| Retained earnings to average equity (ytd only) | 18.2338% | 93 |
| Net charge-offs to loans | 0.2020% | 787 |
| Credit loss provision to net charge-offs | 36.3551% | 2,595 |
| Earnings coverage of net charge-offs (x) | 37.2963% | 1,343 |
| Efficiency ratio | 44.3339% | 5,272 |
| Assets per employee ($millions) | 33.4273% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 5,141 |
| Loan loss allowance to noncurrent loans | 132.0303% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 4,468 |
| Noncurrent loans to loans | 0.4384% | 3,122 |
| Net loans and leases to total assets | 22.7328% | 5,421 |
| Net loans and leases to deposits | 24.7204% | 5,440 |
| Net loans and leases to core deposits | 24.9564% | 5,440 |
| Total domestic deposits to total assets | 91.9599% | 93 |
| Equity capital to assets | 6.9815% | 5,450 |
| Core capital (leverage) ratio | 7.1883% | 5,467 |
| Tier 1 risk-based capital ratio | 24.2378% | 812 |
| Total risk-based capital ratio | 24.6866% | 867 |
| Memoranda: | ||
| Average total assets | $4,644,440,000 | 233 |
| Average earning assets | $4,576,775,000 | 218 |
| Average equity | $316,631,000 | 328 |
| Average total loans | $1,059,416,000 | 528 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3580% | 5,549 |
| Cost of funding earning assets | 0.2048% | 4,990 |
| Net interest margin | 2.1532% | 5,518 |
| Noninterest income to average assets | 0.9797% | 952 |
| Noninterest expense to average assets | 1.4200% | 5,446 |
| Loan and lease loss provision to assets | 0.0452% | 2,862 |
| Net operating income to assets | 1.2053% | 1,979 |
| Return on assets (ROA) | 1.2053% | 1,989 |
| Pretax return on assets | 1.6354% | 1,282 |
| Return on Equity (ROE) | 17.9026% | 425 |
| Retained earnings to average equity (ytd only) | 17.9026% | 161 |
| Net charge-offs to loans | 0.1170% | 1,081 |
| Credit loss provision to net charge-offs | 169.6078% | 1,155 |
| Earnings coverage of net charge-offs (x) | 63.0686% | 819 |
| Efficiency ratio | 45.7969% | 5,286 |
| Assets per employee ($millions) | 35.4276% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6722% | 5,073 |
| Loan loss allowance to noncurrent loans | 56.4861% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 3,757 |
| Noncurrent loans to loans | 1.1900% | 1,534 |
| Net loans and leases to total assets | 22.6759% | 5,480 |
| Net loans and leases to deposits | 24.6052% | 5,500 |
| Net loans and leases to core deposits | 24.8695% | 5,502 |
| Total domestic deposits to total assets | 92.1590% | 91 |
| Equity capital to assets | 6.7437% | 5,531 |
| Core capital (leverage) ratio | 7.0416% | 5,545 |
| Tier 1 risk-based capital ratio | 24.2841% | 817 |
| Total risk-based capital ratio | 24.8216% | 866 |
| Memoranda: | ||
| Average total assets | $4,593,318,500 | 236 |
| Average earning assets | $4,524,392,000 | 219 |
| Average equity | $309,251,000 | 335 |
| Average total loans | $1,046,455,500 | 537 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0588% | 5,607 |
| Cost of funding earning assets | 0.1195% | 5,416 |
| Net interest margin | 1.9393% | 5,583 |
| Noninterest income to average assets | 0.8624% | 1,376 |
| Noninterest expense to average assets | 1.3725% | 5,535 |
| Loan and lease loss provision to assets | 0.0438% | 3,365 |
| Net operating income to assets | 0.8478% | 2,963 |
| Return on assets (ROA) | 0.8478% | 2,987 |
| Pretax return on assets | 1.3575% | 2,135 |
| Return on Equity (ROE) | 12.2604% | 1,136 |
| Retained earnings to average equity (ytd only) | 12.2604% | 166 |
| Net charge-offs to loans | 0.1901% | 1,337 |
| Credit loss provision to net charge-offs | 101.5599% | 2,524 |
| Earnings coverage of net charge-offs (x) | 32.4696% | 1,462 |
| Efficiency ratio | 49.4799% | 5,244 |
| Assets per employee ($millions) | 36.0816% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6791% | 5,104 |
| Loan loss allowance to noncurrent loans | 101.5015% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 4,368 |
| Noncurrent loans to loans | 0.6691% | 2,541 |
| Net loans and leases to total assets | 22.5788% | 5,551 |
| Net loans and leases to deposits | 24.4619% | 5,568 |
| Net loans and leases to core deposits | 24.7324% | 5,571 |
| Total domestic deposits to total assets | 92.3018% | 59 |
| Equity capital to assets | 6.7211% | 5,600 |
| Core capital (leverage) ratio | 7.0169% | 5,603 |
| Tier 1 risk-based capital ratio | 24.1641% | 804 |
| Total risk-based capital ratio | 24.7061% | 847 |
| Memoranda: | ||
| Average total assets | $4,159,133,000 | 243 |
| Average earning assets | $4,099,414,800 | 227 |
| Average equity | $287,609,200 | 338 |
| Average total loans | $944,308,000 | 564 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0072% | 5,680 |
| Cost of funding earning assets | 0.1195% | 5,479 |
| Net interest margin | 1.8877% | 5,660 |
| Noninterest income to average assets | 0.8304% | 1,475 |
| Noninterest expense to average assets | 1.3731% | 5,583 |
| Loan and lease loss provision to assets | 0.0111% | 3,919 |
| Net operating income to assets | 0.8128% | 3,470 |
| Return on assets (ROA) | 0.8128% | 3,514 |
| Pretax return on assets | 1.3072% | 2,447 |
| Return on Equity (ROE) | 11.6630% | 1,438 |
| Retained earnings to average equity (ytd only) | 11.6630% | 325 |
| Net charge-offs to loans | 0.1928% | 1,101 |
| Credit loss provision to net charge-offs | 25.4491% | 3,112 |
| Earnings coverage of net charge-offs (x) | 30.1325% | 1,549 |
| Efficiency ratio | 51.0166% | 5,179 |
| Assets per employee ($millions) | 36.7968% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6169% | 5,294 |
| Loan loss allowance to noncurrent loans | 236.4252% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 4,938 |
| Noncurrent loans to loans | 0.2609% | 4,025 |
| Net loans and leases to total assets | 22.0344% | 5,624 |
| Net loans and leases to deposits | 23.8858% | 5,636 |
| Net loans and leases to core deposits | 24.1526% | 5,638 |
| Total domestic deposits to total assets | 92.2488% | 48 |
| Equity capital to assets | 6.8351% | 5,672 |
| Core capital (leverage) ratio | 7.1275% | 5,663 |
| Tier 1 risk-based capital ratio | 24.6454% | 792 |
| Total risk-based capital ratio | 25.1333% | 843 |
| Memoranda: | ||
| Average total assets | $4,071,367,000 | 248 |
| Average earning assets | $4,013,961,000 | 233 |
| Average equity | $283,727,750 | 341 |
| Average total loans | $924,057,500 | 576 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9436% | 5,736 |
| Cost of funding earning assets | 0.1254% | 5,477 |
| Net interest margin | 1.8182% | 5,718 |
| Noninterest income to average assets | 0.8662% | 1,370 |
| Noninterest expense to average assets | 1.4072% | 5,622 |
| Loan and lease loss provision to assets | 0.0311% | 3,380 |
| Net operating income to assets | 0.7626% | 3,578 |
| Return on assets (ROA) | 0.7626% | 3,626 |
| Pretax return on assets | 1.2199% | 2,699 |
| Return on Equity (ROE) | 10.8678% | 1,691 |
| Retained earnings to average equity (ytd only) | 10.8678% | 460 |
| Net charge-offs to loans | 0.1802% | 1,100 |
| Credit loss provision to net charge-offs | 75.3959% | 2,314 |
| Earnings coverage of net charge-offs (x) | 30.3313% | 1,453 |
| Efficiency ratio | 52.9378% | 5,100 |
| Assets per employee ($millions) | 35.8906% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7239% | 5,149 |
| Loan loss allowance to noncurrent loans | 264.2465% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 4,951 |
| Noncurrent loans to loans | 0.2740% | 4,063 |
| Net loans and leases to total assets | 22.3706% | 5,667 |
| Net loans and leases to deposits | 24.3151% | 5,682 |
| Net loans and leases to core deposits | 24.6232% | 5,687 |
| Total domestic deposits to total assets | 92.0030% | 69 |
| Equity capital to assets | 6.9480% | 5,712 |
| Core capital (leverage) ratio | 7.2026% | 5,693 |
| Tier 1 risk-based capital ratio | 24.9623% | 751 |
| Total risk-based capital ratio | 25.5412% | 802 |
| Memoranda: | ||
| Average total assets | $3,981,147,330 | 256 |
| Average earning assets | $3,923,622,000 | 235 |
| Average equity | $279,376,330 | 344 |
| Average total loans | $911,184,000 | 585 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8720% | 5,810 |
| Cost of funding earning assets | 0.1232% | 5,540 |
| Net interest margin | 1.7488% | 5,794 |
| Noninterest income to average assets | 0.9542% | 1,096 |
| Noninterest expense to average assets | 1.4737% | 5,649 |
| Loan and lease loss provision to assets | 0.0642% | 2,517 |
| Net operating income to assets | 0.7120% | 3,652 |
| Return on assets (ROA) | 0.7120% | 3,694 |
| Pretax return on assets | 1.1385% | 2,831 |
| Return on Equity (ROE) | 10.0930% | 1,929 |
| Retained earnings to average equity (ytd only) | 10.0930% | 787 |
| Net charge-offs to loans | 0.1863% | 915 |
| Credit loss provision to net charge-offs | 149.2857% | 1,219 |
| Earnings coverage of net charge-offs (x) | 27.9762% | 1,264 |
| Efficiency ratio | 55.0635% | 5,035 |
| Assets per employee ($millions) | 33.1537% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7803% | 5,112 |
| Loan loss allowance to noncurrent loans | 334.8336% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.0833% | 4,937 |
| Noncurrent loans to loans | 0.2330% | 4,279 |
| Net loans and leases to total assets | 22.8264% | 5,714 |
| Net loans and leases to deposits | 24.7949% | 5,738 |
| Net loans and leases to core deposits | 25.1145% | 5,743 |
| Total domestic deposits to total assets | 92.0610% | 98 |
| Equity capital to assets | 7.0399% | 5,750 |
| Core capital (leverage) ratio | 7.2399% | 5,744 |
| Tier 1 risk-based capital ratio | 24.5592% | 816 |
| Total risk-based capital ratio | 25.1809% | 858 |
| Memoranda: | ||
| Average total assets | $3,908,010,500 | 260 |
| Average earning assets | $3,848,255,500 | 238 |
| Average equity | $275,677,000 | 346 |
| Average total loans | $901,744,500 | 595 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8096% | 5,856 |
| Cost of funding earning assets | 0.0872% | 5,753 |
| Net interest margin | 1.7224% | 5,838 |
| Noninterest income to average assets | 0.8516% | 1,571 |
| Noninterest expense to average assets | 1.5690% | 5,676 |
| Loan and lease loss provision to assets | 0.0057% | 4,243 |
| Net operating income to assets | 0.6113% | 4,161 |
| Return on assets (ROA) | 0.6259% | 4,218 |
| Pretax return on assets | 0.9948% | 3,495 |
| Return on Equity (ROE) | 8.5681% | 2,629 |
| Retained earnings to average equity (ytd only) | 8.5681% | 677 |
| Net charge-offs to loans | 0.1144% | 2,114 |
| Credit loss provision to net charge-offs | 21.7716% | 3,663 |
| Earnings coverage of net charge-offs (x) | 37.4813% | 1,230 |
| Efficiency ratio | 61.6087% | 4,329 |
| Assets per employee ($millions) | 30.2171% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 5,158 |
| Loan loss allowance to noncurrent loans | 417.0174% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 5,041 |
| Noncurrent loans to loans | 0.1872% | 4,487 |
| Net loans and leases to total assets | 22.9644% | 5,773 |
| Net loans and leases to deposits | 24.9541% | 5,796 |
| Net loans and leases to core deposits | 25.2747% | 5,800 |
| Total domestic deposits to total assets | 92.0263% | 99 |
| Equity capital to assets | 7.0689% | 5,788 |
| Core capital (leverage) ratio | 7.3538% | 5,770 |
| Tier 1 risk-based capital ratio | 26.2627% | 678 |
| Total risk-based capital ratio | 26.9247% | 703 |
| Memoranda: | ||
| Average total assets | $3,592,021,600 | 263 |
| Average earning assets | $3,535,296,600 | 242 |
| Average equity | $262,391,000 | 346 |
| Average total loans | $818,796,400 | 620 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8351% | 5,923 |
| Cost of funding earning assets | 0.0854% | 5,827 |
| Net interest margin | 1.7497% | 5,899 |
| Noninterest income to average assets | 0.8321% | 1,641 |
| Noninterest expense to average assets | 1.5732% | 5,706 |
| Loan and lease loss provision to assets | -0.0158% | 5,661 |
| Net operating income to assets | 0.6364% | 4,137 |
| Return on assets (ROA) | 0.6636% | 4,145 |
| Pretax return on assets | 1.0393% | 3,476 |
| Return on Equity (ROE) | 9.0057% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.0057% | 817 |
| Net charge-offs to loans | 0.1095% | 1,849 |
| Credit loss provision to net charge-offs | -63.5258% | 4,701 |
| Earnings coverage of net charge-offs (x) | 39.4803% | 1,257 |
| Efficiency ratio | 61.5920% | 4,297 |
| Assets per employee ($millions) | 28.6981% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7857% | 5,230 |
| Loan loss allowance to noncurrent loans | 249.5079% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.0953% | 5,060 |
| Noncurrent loans to loans | 0.3149% | 4,124 |
| Net loans and leases to total assets | 22.6620% | 5,839 |
| Net loans and leases to deposits | 24.6736% | 5,866 |
| Net loans and leases to core deposits | 24.9992% | 5,871 |
| Total domestic deposits to total assets | 91.8472% | 84 |
| Equity capital to assets | 7.2780% | 5,866 |
| Core capital (leverage) ratio | 7.4465% | 5,833 |
| Tier 1 risk-based capital ratio | 29.2856% | 510 |
| Total risk-based capital ratio | 30.0000% | 529 |
| Memoranda: | ||
| Average total assets | $3,530,633,750 | 263 |
| Average earning assets | $3,475,053,000 | 244 |
| Average equity | $260,170,000 | 349 |
| Average total loans | $801,443,250 | 627 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8495% | 6,001 |
| Cost of funding earning assets | 0.0828% | 5,915 |
| Net interest margin | 1.7667% | 5,983 |
| Noninterest income to average assets | 0.8570% | 1,520 |
| Noninterest expense to average assets | 1.5658% | 5,790 |
| Loan and lease loss provision to assets | -0.0351% | 5,806 |
| Net operating income to assets | 0.6540% | 4,029 |
| Return on assets (ROA) | 0.6815% | 4,034 |
| Pretax return on assets | 1.1071% | 3,170 |
| Return on Equity (ROE) | 9.2079% | 2,401 |
| Retained earnings to average equity (ytd only) | 9.2079% | 795 |
| Net charge-offs to loans | 0.1270% | 1,573 |
| Credit loss provision to net charge-offs | -122.1557% | 4,631 |
| Earnings coverage of net charge-offs (x) | 35.7725% | 1,243 |
| Efficiency ratio | 60.3408% | 4,597 |
| Assets per employee ($millions) | 28.9778% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 5,207 |
| Loan loss allowance to noncurrent loans | 218.2091% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 5,062 |
| Noncurrent loans to loans | 0.3785% | 4,007 |
| Net loans and leases to total assets | 21.7284% | 5,920 |
| Net loans and leases to deposits | 23.6884% | 5,947 |
| Net loans and leases to core deposits | 24.0139% | 5,953 |
| Total domestic deposits to total assets | 91.7260% | 109 |
| Equity capital to assets | 7.3265% | 5,936 |
| Core capital (leverage) ratio | 7.3420% | 5,908 |
| Tier 1 risk-based capital ratio | 32.0189% | 417 |
| Total risk-based capital ratio | 32.8123% | 426 |
| Memoranda: | ||
| Average total assets | $3,483,059,000 | 265 |
| Average earning assets | $3,426,138,330 | 249 |
| Average equity | $257,777,670 | 352 |
| Average total loans | $788,908,330 | 633 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8627% | 6,063 |
| Cost of funding earning assets | 0.0735% | 6,007 |
| Net interest margin | 1.7892% | 6,047 |
| Noninterest income to average assets | 0.9320% | 1,226 |
| Noninterest expense to average assets | 1.6448% | 5,800 |
| Loan and lease loss provision to assets | 0.0151% | 3,489 |
| Net operating income to assets | 0.6315% | 4,054 |
| Return on assets (ROA) | 0.6875% | 3,889 |
| Pretax return on assets | 1.1177% | 3,025 |
| Return on Equity (ROE) | 9.2402% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.2402% | 1,043 |
| Net charge-offs to loans | 0.1292% | 1,329 |
| Credit loss provision to net charge-offs | 50.7874% | 2,046 |
| Earnings coverage of net charge-offs (x) | 35.1181% | 1,090 |
| Efficiency ratio | 61.1431% | 4,579 |
| Assets per employee ($millions) | 29.1312% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9500% | 4,845 |
| Loan loss allowance to noncurrent loans | 226.1769% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 5,047 |
| Noncurrent loans to loans | 0.4200% | 3,935 |
| Net loans and leases to total assets | 22.1282% | 5,969 |
| Net loans and leases to deposits | 24.2527% | 5,989 |
| Net loans and leases to core deposits | 24.5566% | 5,997 |
| Total domestic deposits to total assets | 91.2399% | 210 |
| Equity capital to assets | 7.2596% | 5,985 |
| Core capital (leverage) ratio | 7.6550% | 5,886 |
| Tier 1 risk-based capital ratio | 31.2538% | 455 |
| Total risk-based capital ratio | 32.1657% | 463 |
| Memoranda: | ||
| Average total assets | $3,413,473,000 | 270 |
| Average earning assets | $3,354,079,500 | 254 |
| Average equity | $253,976,000 | 352 |
| Average total loans | $786,558,000 | 632 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6648% | 6,117 |
| Cost of funding earning assets | 0.0504% | 6,105 |
| Net interest margin | 1.6144% | 6,103 |
| Noninterest income to average assets | 0.7732% | 1,886 |
| Noninterest expense to average assets | 1.6868% | 5,854 |
| Loan and lease loss provision to assets | 0.0048% | 4,291 |
| Net operating income to assets | 0.3963% | 5,065 |
| Return on assets (ROA) | 0.4285% | 5,037 |
| Pretax return on assets | 0.7147% | 4,486 |
| Return on Equity (ROE) | 5.3112% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.3112% | 2,204 |
| Net charge-offs to loans | 0.1716% | 1,660 |
| Credit loss provision to net charge-offs | 12.1087% | 3,810 |
| Earnings coverage of net charge-offs (x) | 16.9605% | 2,102 |
| Efficiency ratio | 71.5953% | 2,968 |
| Assets per employee ($millions) | 26.1835% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 4,697 |
| Loan loss allowance to noncurrent loans | 185.0833% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 4,924 |
| Noncurrent loans to loans | 0.5317% | 3,575 |
| Net loans and leases to total assets | 23.5711% | 6,010 |
| Net loans and leases to deposits | 26.1249% | 6,036 |
| Net loans and leases to core deposits | 26.4383% | 6,039 |
| Total domestic deposits to total assets | 90.2247% | 533 |
| Equity capital to assets | 7.6367% | 5,960 |
| Core capital (leverage) ratio | 7.9565% | 5,858 |
| Tier 1 risk-based capital ratio | 35.6909% | 322 |
| Total risk-based capital ratio | 36.7842% | 318 |
| Memoranda: | ||
| Average total assets | $3,076,719,000 | 272 |
| Average earning assets | $3,016,532,800 | 257 |
| Average equity | $248,228,800 | 350 |
| Average total loans | $707,484,800 | 656 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6502% | 6,212 |
| Cost of funding earning assets | 0.0513% | 6,192 |
| Net interest margin | 1.5990% | 6,197 |
| Noninterest income to average assets | 0.7262% | 2,126 |
| Noninterest expense to average assets | 1.6483% | 5,947 |
| Loan and lease loss provision to assets | -0.0281% | 5,868 |
| Net operating income to assets | 0.4011% | 5,162 |
| Return on assets (ROA) | 0.4424% | 5,090 |
| Pretax return on assets | 0.7376% | 4,543 |
| Return on Equity (ROE) | 5.4053% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.4053% | 2,637 |
| Net charge-offs to loans | 0.1852% | 1,375 |
| Credit loss provision to net charge-offs | -66.5971% | 4,998 |
| Earnings coverage of net charge-offs (x) | 15.2871% | 2,193 |
| Efficiency ratio | 71.8771% | 2,907 |
| Assets per employee ($millions) | 23.1121% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9752% | 4,864 |
| Loan loss allowance to noncurrent loans | 216.0061% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1519% | 5,156 |
| Noncurrent loans to loans | 0.4515% | 3,996 |
| Net loans and leases to total assets | 24.1278% | 6,091 |
| Net loans and leases to deposits | 26.5541% | 6,123 |
| Net loans and leases to core deposits | 26.8997% | 6,127 |
| Total domestic deposits to total assets | 90.8629% | 287 |
| Equity capital to assets | 8.3454% | 5,805 |
| Core capital (leverage) ratio | 8.2431% | 5,749 |
| Tier 1 risk-based capital ratio | 38.1817% | 279 |
| Total risk-based capital ratio | 39.2840% | 280 |
| Memoranda: | ||
| Average total assets | $3,027,663,250 | 281 |
| Average earning assets | $2,967,157,750 | 265 |
| Average equity | $247,800,000 | 359 |
| Average total loans | $689,571,750 | 673 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6227% | 6,291 |
| Cost of funding earning assets | 0.0527% | 6,267 |
| Net interest margin | 1.5701% | 6,273 |
| Noninterest income to average assets | 0.7543% | 1,976 |
| Noninterest expense to average assets | 1.6364% | 6,029 |
| Loan and lease loss provision to assets | -0.0057% | 5,949 |
| Net operating income to assets | 0.4081% | 5,112 |
| Return on assets (ROA) | 0.4466% | 5,083 |
| Pretax return on assets | 0.7224% | 4,591 |
| Return on Equity (ROE) | 5.4923% | 4,375 |
| Retained earnings to average equity (ytd only) | 5.4923% | 2,540 |
| Net charge-offs to loans | 0.0604% | 2,526 |
| Credit loss provision to net charge-offs | -42.6471% | 4,800 |
| Earnings coverage of net charge-offs (x) | 48.8333% | 974 |
| Efficiency ratio | 71.3711% | 3,099 |
| Assets per employee ($millions) | 23.2594% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 3,721 |
| Loan loss allowance to noncurrent loans | 198.0765% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 5,082 |
| Noncurrent loans to loans | 0.6119% | 3,639 |
| Net loans and leases to total assets | 22.9360% | 6,176 |
| Net loans and leases to deposits | 25.2232% | 6,208 |
| Net loans and leases to core deposits | 25.5444% | 6,208 |
| Total domestic deposits to total assets | 90.9322% | 315 |
| Equity capital to assets | 8.3088% | 5,825 |
| Core capital (leverage) ratio | 8.1751% | 5,807 |
| Tier 1 risk-based capital ratio | 37.0818% | 312 |
| Total risk-based capital ratio | 38.3321% | 308 |
| Memoranda: | ||
| Average total assets | $3,035,360,670 | 280 |
| Average earning assets | $2,974,271,000 | 263 |
| Average equity | $246,818,670 | 362 |
| Average total loans | $675,403,330 | 690 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5593% | 6,362 |
| Cost of funding earning assets | 0.0548% | 6,336 |
| Net interest margin | 1.5045% | 6,342 |
| Noninterest income to average assets | 0.8096% | 1,678 |
| Noninterest expense to average assets | 1.7246% | 5,987 |
| Loan and lease loss provision to assets | 0.1107% | 1,866 |
| Net operating income to assets | 0.2760% | 5,490 |
| Return on assets (ROA) | 0.3284% | 5,423 |
| Pretax return on assets | 0.5312% | 5,095 |
| Return on Equity (ROE) | 4.0818% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.0818% | 3,557 |
| Net charge-offs to loans | 0.1877% | 1,176 |
| Credit loss provision to net charge-offs | 270.8333% | 880 |
| Earnings coverage of net charge-offs (x) | 13.7019% | 1,707 |
| Efficiency ratio | 75.4832% | 2,590 |
| Assets per employee ($millions) | 23.7367% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3776% | 3,031 |
| Loan loss allowance to noncurrent loans | 242.3007% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 5,273 |
| Noncurrent loans to loans | 0.5686% | 3,879 |
| Net loans and leases to total assets | 21.8375% | 6,250 |
| Net loans and leases to deposits | 24.0152% | 6,273 |
| Net loans and leases to core deposits | 24.3166% | 6,274 |
| Total domestic deposits to total assets | 90.9319% | 393 |
| Equity capital to assets | 8.1096% | 5,981 |
| Core capital (leverage) ratio | 7.8581% | 6,010 |
| Tier 1 risk-based capital ratio | 34.3284% | 384 |
| Total risk-based capital ratio | 35.5795% | 376 |
| Memoranda: | ||
| Average total assets | $3,052,812,500 | 278 |
| Average earning assets | $2,993,157,000 | 263 |
| Average equity | $245,576,500 | 360 |
| Average total loans | $664,790,000 | 703 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6310% | 6,445 |
| Cost of funding earning assets | 0.0551% | 6,429 |
| Net interest margin | 1.5760% | 6,425 |
| Noninterest income to average assets | 0.6225% | 2,723 |
| Noninterest expense to average assets | 1.6327% | 6,216 |
| Loan and lease loss provision to assets | 0.0462% | 3,649 |
| Net operating income to assets | 0.3082% | 5,496 |
| Return on assets (ROA) | 0.3304% | 5,507 |
| Pretax return on assets | 0.5181% | 5,202 |
| Return on Equity (ROE) | 4.1139% | 5,068 |
| Retained earnings to average equity (ytd only) | 4.1139% | 3,276 |
| Net charge-offs to loans | 0.3555% | 1,226 |
| Credit loss provision to net charge-offs | 66.6345% | 3,151 |
| Earnings coverage of net charge-offs (x) | 7.6446% | 3,002 |
| Efficiency ratio | 75.5109% | 2,593 |
| Assets per employee ($millions) | 23.7778% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,269 |
| Loan loss allowance to noncurrent loans | 193.9818% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 5,269 |
| Noncurrent loans to loans | 0.6856% | 3,629 |
| Net loans and leases to total assets | 21.1288% | 6,352 |
| Net loans and leases to deposits | 23.1609% | 6,379 |
| Net loans and leases to core deposits | 23.5437% | 6,377 |
| Total domestic deposits to total assets | 91.2261% | 293 |
| Equity capital to assets | 7.9796% | 6,078 |
| Core capital (leverage) ratio | 7.7593% | 6,115 |
| Tier 1 risk-based capital ratio | 34.7496% | 348 |
| Total risk-based capital ratio | 36.0001% | 343 |
| Memoranda: | ||
| Average total assets | $2,994,236,600 | 268 |
| Average earning assets | $2,925,519,800 | 251 |
| Average equity | $240,499,000 | 343 |
| Average total loans | $583,360,600 | 755 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6365% | 6,524 |
| Cost of funding earning assets | 0.0539% | 6,515 |
| Net interest margin | 1.5825% | 6,505 |
| Noninterest income to average assets | 0.5870% | 2,951 |
| Noninterest expense to average assets | 1.6432% | 6,255 |
| Loan and lease loss provision to assets | 0.0129% | 4,158 |
| Net operating income to assets | 0.3064% | 5,558 |
| Return on assets (ROA) | 0.3367% | 5,540 |
| Pretax return on assets | 0.5220% | 5,259 |
| Return on Equity (ROE) | 4.1848% | 5,093 |
| Retained earnings to average equity (ytd only) | 4.1848% | 3,672 |
| Net charge-offs to loans | 0.4087% | 969 |
| Credit loss provision to net charge-offs | 16.6859% | 3,615 |
| Earnings coverage of net charge-offs (x) | 6.2933% | 3,107 |
| Efficiency ratio | 77.0898% | 2,340 |
| Assets per employee ($millions) | 23.9327% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 3,523 |
| Loan loss allowance to noncurrent loans | 136.2922% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 5,344 |
| Noncurrent loans to loans | 0.9720% | 3,134 |
| Net loans and leases to total assets | 19.7210% | 6,451 |
| Net loans and leases to deposits | 21.6387% | 6,479 |
| Net loans and leases to core deposits | 22.0105% | 6,471 |
| Total domestic deposits to total assets | 91.1378% | 326 |
| Equity capital to assets | 8.0430% | 6,108 |
| Core capital (leverage) ratio | 7.7935% | 6,172 |
| Tier 1 risk-based capital ratio | 40.3096% | 238 |
| Total risk-based capital ratio | 41.5613% | 232 |
| Memoranda: | ||
| Average total assets | $2,975,962,750 | 268 |
| Average earning assets | $2,904,563,250 | 250 |
| Average equity | $239,433,500 | 343 |
| Average total loans | $564,994,750 | 783 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6193% | 6,596 |
| Cost of funding earning assets | 0.0520% | 6,582 |
| Net interest margin | 1.5672% | 6,576 |
| Noninterest income to average assets | 0.6457% | 2,567 |
| Noninterest expense to average assets | 1.6898% | 6,279 |
| Loan and lease loss provision to assets | -0.0316% | 6,265 |
| Net operating income to assets | 0.3235% | 5,482 |
| Return on assets (ROA) | 0.3687% | 5,405 |
| Pretax return on assets | 0.5869% | 4,992 |
| Return on Equity (ROE) | 4.5822% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.5822% | 3,249 |
| Net charge-offs to loans | 0.3533% | 1,165 |
| Credit loss provision to net charge-offs | -47.9508% | 5,159 |
| Earnings coverage of net charge-offs (x) | 7.3576% | 2,644 |
| Efficiency ratio | 77.7078% | 2,337 |
| Assets per employee ($millions) | 23.4766% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 3,356 |
| Loan loss allowance to noncurrent loans | 111.4166% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 5,332 |
| Noncurrent loans to loans | 1.2554% | 2,713 |
| Net loans and leases to total assets | 18.8748% | 6,525 |
| Net loans and leases to deposits | 20.8444% | 6,547 |
| Net loans and leases to core deposits | 21.2064% | 6,545 |
| Total domestic deposits to total assets | 90.5508% | 562 |
| Equity capital to assets | 8.1019% | 6,094 |
| Core capital (leverage) ratio | 7.8718% | 6,172 |
| Tier 1 risk-based capital ratio | 40.3222% | 236 |
| Total risk-based capital ratio | 41.5708% | 231 |
| Memoranda: | ||
| Average total assets | $2,962,778,000 | 268 |
| Average earning assets | $2,890,054,330 | 250 |
| Average equity | $238,399,000 | 341 |
| Average total loans | $552,434,670 | 794 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5882% | 6,672 |
| Cost of funding earning assets | 0.0520% | 6,658 |
| Net interest margin | 1.5362% | 6,656 |
| Noninterest income to average assets | 0.7138% | 2,108 |
| Noninterest expense to average assets | 1.7680% | 6,259 |
| Loan and lease loss provision to assets | -0.0344% | 6,438 |
| Net operating income to assets | 0.2982% | 5,499 |
| Return on assets (ROA) | 0.3888% | 5,224 |
| Pretax return on assets | 0.6180% | 4,774 |
| Return on Equity (ROE) | 4.8493% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.8493% | 3,204 |
| Net charge-offs to loans | 0.4800% | 764 |
| Credit loss provision to net charge-offs | -38.9571% | 4,728 |
| Earnings coverage of net charge-offs (x) | 5.0046% | 2,445 |
| Efficiency ratio | 80.0025% | 2,208 |
| Assets per employee ($millions) | 23.5201% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5315% | 3,011 |
| Loan loss allowance to noncurrent loans | 113.5074% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 5,378 |
| Noncurrent loans to loans | 1.3492% | 2,787 |
| Net loans and leases to total assets | 18.4869% | 6,604 |
| Net loans and leases to deposits | 20.3484% | 6,618 |
| Net loans and leases to core deposits | 20.7109% | 6,613 |
| Total domestic deposits to total assets | 90.8517% | 625 |
| Equity capital to assets | 8.0492% | 6,020 |
| Core capital (leverage) ratio | 7.7136% | 6,263 |
| Tier 1 risk-based capital ratio | 39.2304% | 249 |
| Total risk-based capital ratio | 40.4833% | 245 |
| Memoranda: | ||
| Average total assets | $2,953,405,000 | 266 |
| Average earning assets | $2,876,514,500 | 248 |
| Average equity | $236,818,500 | 342 |
| Average total loans | $543,282,000 | 808 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6064% | 6,743 |
| Cost of funding earning assets | 0.0533% | 6,748 |
| Net interest margin | 1.5532% | 6,719 |
| Noninterest income to average assets | 0.5738% | 3,254 |
| Noninterest expense to average assets | 1.6569% | 6,480 |
| Loan and lease loss provision to assets | 0.0511% | 4,114 |
| Net operating income to assets | 0.2135% | 5,788 |
| Return on assets (ROA) | 0.2169% | 5,840 |
| Pretax return on assets | 0.3820% | 5,531 |
| Return on Equity (ROE) | 2.7356% | 5,603 |
| Retained earnings to average equity (ytd only) | 2.7356% | 4,287 |
| Net charge-offs to loans | 0.4609% | 1,441 |
| Credit loss provision to net charge-offs | 67.7521% | 3,366 |
| Earnings coverage of net charge-offs (x) | 5.6698% | 3,242 |
| Efficiency ratio | 79.4791% | 2,239 |
| Assets per employee ($millions) | 23.3594% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 2,133 |
| Loan loss allowance to noncurrent loans | 118.5637% | 3,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 5,418 |
| Noncurrent loans to loans | 1.4997% | 2,644 |
| Net loans and leases to total assets | 17.6929% | 6,698 |
| Net loans and leases to deposits | 19.4173% | 6,711 |
| Net loans and leases to core deposits | 19.6926% | 6,707 |
| Total domestic deposits to total assets | 91.1194% | 527 |
| Equity capital to assets | 7.9876% | 6,026 |
| Core capital (leverage) ratio | 7.5683% | 6,345 |
| Tier 1 risk-based capital ratio | 40.9209% | 214 |
| Total risk-based capital ratio | 42.1771% | 213 |
| Memoranda: | ||
| Average total assets | $2,930,384,200 | 259 |
| Average earning assets | $2,850,633,200 | 240 |
| Average equity | $232,307,200 | 337 |
| Average total loans | $479,685,600 | 888 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6099% | 6,826 |
| Cost of funding earning assets | 0.0535% | 6,830 |
| Net interest margin | 1.5564% | 6,803 |
| Noninterest income to average assets | 0.5309% | 3,581 |
| Noninterest expense to average assets | 1.6416% | 6,526 |
| Loan and lease loss provision to assets | 0.0330% | 4,361 |
| Net operating income to assets | 0.2015% | 5,910 |
| Return on assets (ROA) | 0.2061% | 5,982 |
| Pretax return on assets | 0.3763% | 5,691 |
| Return on Equity (ROE) | 2.6043% | 5,747 |
| Retained earnings to average equity (ytd only) | 2.6043% | 4,766 |
| Net charge-offs to loans | 0.5324% | 1,203 |
| Credit loss provision to net charge-offs | 38.8740% | 3,726 |
| Earnings coverage of net charge-offs (x) | 4.7351% | 3,368 |
| Efficiency ratio | 80.3196% | 2,050 |
| Assets per employee ($millions) | 22.3770% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8197% | 2,239 |
| Loan loss allowance to noncurrent loans | 109.0513% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 5,585 |
| Noncurrent loans to loans | 1.6687% | 2,685 |
| Net loans and leases to total assets | 16.6922% | 6,782 |
| Net loans and leases to deposits | 18.3542% | 6,798 |
| Net loans and leases to core deposits | 18.6267% | 6,796 |
| Total domestic deposits to total assets | 90.9453% | 558 |
| Equity capital to assets | 8.0343% | 6,127 |
| Core capital (leverage) ratio | 7.5796% | 6,421 |
| Tier 1 risk-based capital ratio | 42.9684% | 202 |
| Total risk-based capital ratio | 44.2249% | 202 |
| Memoranda: | ||
| Average total assets | $2,927,160,000 | 255 |
| Average earning assets | $2,845,438,000 | 237 |
| Average equity | $231,609,750 | 337 |
| Average total loans | $467,062,250 | 914 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6012% | 6,874 |
| Cost of funding earning assets | 0.0536% | 6,878 |
| Net interest margin | 1.5476% | 6,849 |
| Noninterest income to average assets | 0.5667% | 3,405 |
| Noninterest expense to average assets | 1.8257% | 6,331 |
| Loan and lease loss provision to assets | 0.0307% | 4,316 |
| Net operating income to assets | 0.1317% | 6,060 |
| Return on assets (ROA) | 0.1317% | 6,164 |
| Pretax return on assets | 0.2143% | 6,058 |
| Return on Equity (ROE) | 1.6734% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.6734% | 5,180 |
| Net charge-offs to loans | 0.5761% | 1,147 |
| Credit loss provision to net charge-offs | 34.1168% | 3,514 |
| Earnings coverage of net charge-offs (x) | 2.7240% | 3,610 |
| Efficiency ratio | 88.1689% | 1,205 |
| Assets per employee ($millions) | 22.8023% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 1,871 |
| Loan loss allowance to noncurrent loans | 116.0761% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 5,646 |
| Noncurrent loans to loans | 1.7160% | 2,742 |
| Net loans and leases to total assets | 15.7521% | 6,839 |
| Net loans and leases to deposits | 17.2969% | 6,859 |
| Net loans and leases to core deposits | 17.5508% | 6,853 |
| Total domestic deposits to total assets | 91.0691% | 524 |
| Equity capital to assets | 7.9770% | 6,215 |
| Core capital (leverage) ratio | 7.3878% | 6,499 |
| Tier 1 risk-based capital ratio | 44.6448% | 173 |
| Total risk-based capital ratio | 45.9035% | 172 |
| Memoranda: | ||
| Average total assets | $2,933,210,000 | 256 |
| Average earning assets | $2,850,610,000 | 234 |
| Average equity | $230,906,670 | 337 |
| Average total loans | $457,890,000 | 927 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5789% | 6,958 |
| Cost of funding earning assets | 0.0543% | 6,961 |
| Net interest margin | 1.5246% | 6,933 |
| Noninterest income to average assets | 0.6930% | 2,630 |
| Noninterest expense to average assets | 1.7872% | 6,454 |
| Loan and lease loss provision to assets | 0.0308% | 4,071 |
| Net operating income to assets | 0.2184% | 5,826 |
| Return on assets (ROA) | 0.2184% | 5,949 |
| Pretax return on assets | 0.3557% | 5,702 |
| Return on Equity (ROE) | 2.7931% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.7931% | 4,609 |
| Net charge-offs to loans | 0.5637% | 1,079 |
| Credit loss provision to net charge-offs | 35.4688% | 2,809 |
| Earnings coverage of net charge-offs (x) | 4.4563% | 2,550 |
| Efficiency ratio | 82.2206% | 2,017 |
| Assets per employee ($millions) | 26.4105% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,750 |
| Loan loss allowance to noncurrent loans | 103.3907% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 5,605 |
| Noncurrent loans to loans | 2.0520% | 2,563 |
| Net loans and leases to total assets | 15.3079% | 6,915 |
| Net loans and leases to deposits | 16.8367% | 6,935 |
| Net loans and leases to core deposits | 17.0916% | 6,930 |
| Total domestic deposits to total assets | 90.9200% | 556 |
| Equity capital to assets | 7.9314% | 6,418 |
| Core capital (leverage) ratio | 7.3121% | 6,538 |
| Tier 1 risk-based capital ratio | 45.0853% | 166 |
| Total risk-based capital ratio | 46.3468% | 166 |
| Memoranda: | ||
| Average total assets | $2,951,868,500 | 254 |
| Average earning assets | $2,866,831,500 | 235 |
| Average equity | $230,857,500 | 341 |
| Average total loans | $454,117,500 | 936 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9070% | 6,996 |
| Cost of funding earning assets | 0.0763% | 7,018 |
| Net interest margin | 1.8307% | 6,958 |
| Noninterest income to average assets | 0.5482% | 3,597 |
| Noninterest expense to average assets | 2.7211% | 4,328 |
| Loan and lease loss provision to assets | 0.1461% | 3,775 |
| Net operating income to assets | -0.3360% | 6,471 |
| Return on assets (ROA) | -0.3360% | 6,517 |
| Pretax return on assets | -0.5462% | 6,591 |
| Return on Equity (ROE) | -4.2597% | 6,564 |
| Retained earnings to average equity (ytd only) | -4.2597% | 6,381 |
| Net charge-offs to loans | 4.9251% | 36 |
| Credit loss provision to net charge-offs | 17.5000% | 5,311 |
| Earnings coverage of net charge-offs (x) | -0.4795% | 5,668 |
| Efficiency ratio | 117.2421% | 233 |
| Assets per employee ($millions) | 27.0197% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2546% | 1,451 |
| Loan loss allowance to noncurrent loans | 116.1911% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 5,785 |
| Noncurrent loans to loans | 1.9404% | 2,758 |
| Net loans and leases to total assets | 14.7908% | 6,983 |
| Net loans and leases to deposits | 16.2075% | 6,996 |
| Net loans and leases to core deposits | 16.4538% | 6,988 |
| Total domestic deposits to total assets | 91.2586% | 413 |
| Equity capital to assets | 7.7115% | 6,545 |
| Core capital (leverage) ratio | 7.0642% | 6,680 |
| Tier 1 risk-based capital ratio | 44.7981% | 175 |
| Total risk-based capital ratio | 46.0599% | 175 |
| Memoranda: | ||
| Average total assets | $2,319,748,200 | 314 |
| Average earning assets | $2,246,304,600 | 292 |
| Average equity | $182,992,000 | 404 |
| Average total loans | $393,085,600 | 1,061 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9753% | 7,104 |
| Cost of funding earning assets | 0.0834% | 7,129 |
| Net interest margin | 1.8919% | 7,064 |
| Noninterest income to average assets | 0.7248% | 2,597 |
| Noninterest expense to average assets | 3.1237% | 2,815 |
| Loan and lease loss provision to assets | 0.1052% | 4,258 |
| Net operating income to assets | -0.4150% | 6,652 |
| Return on assets (ROA) | -0.4150% | 6,697 |
| Pretax return on assets | -0.6743% | 6,775 |
| Return on Equity (ROE) | -5.2200% | 6,722 |
| Retained earnings to average equity (ytd only) | -5.2200% | 6,628 |
| Net charge-offs to loans | 6.4768% | 20 |
| Credit loss provision to net charge-offs | 9.2410% | 5,090 |
| Earnings coverage of net charge-offs (x) | -0.5001% | 5,496 |
| Efficiency ratio | 122.2798% | 180 |
| Assets per employee ($millions) | 27.4138% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2677% | 1,585 |
| Loan loss allowance to noncurrent loans | 105.0363% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 5,901 |
| Noncurrent loans to loans | 2.1590% | 2,665 |
| Net loans and leases to total assets | 13.9501% | 7,088 |
| Net loans and leases to deposits | 15.3536% | 7,103 |
| Net loans and leases to core deposits | 15.5394% | 7,097 |
| Total domestic deposits to total assets | 90.8591% | 448 |
| Equity capital to assets | 7.8663% | 6,656 |
| Core capital (leverage) ratio | 7.2122% | 6,745 |
| Tier 1 risk-based capital ratio | 46.6949% | 158 |
| Total risk-based capital ratio | 47.9559% | 158 |
| Memoranda: | ||
| Average total assets | $2,156,643,500 | 333 |
| Average earning assets | $2,085,809,000 | 308 |
| Average equity | $171,440,000 | 436 |
| Average total loans | $378,920,500 | 1,114 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0512% | 7,171 |
| Cost of funding earning assets | 0.0941% | 7,186 |
| Net interest margin | 1.9571% | 7,118 |
| Noninterest income to average assets | 0.9061% | 1,765 |
| Noninterest expense to average assets | 3.5789% | 1,622 |
| Loan and lease loss provision to assets | 0.1191% | 4,043 |
| Net operating income to assets | -0.5559% | 6,759 |
| Return on assets (ROA) | -0.5559% | 6,792 |
| Pretax return on assets | -0.9030% | 6,877 |
| Return on Equity (ROE) | -6.9557% | 6,829 |
| Retained earnings to average equity (ytd only) | -6.9557% | 6,718 |
| Net charge-offs to loans | 9.4264% | 8 |
| Credit loss provision to net charge-offs | 6.5680% | 4,771 |
| Earnings coverage of net charge-offs (x) | -0.4321% | 5,219 |
| Efficiency ratio | 128.0461% | 176 |
| Assets per employee ($millions) | 28.6319% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4006% | 1,409 |
| Loan loss allowance to noncurrent loans | 112.3885% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 5,938 |
| Noncurrent loans to loans | 2.1360% | 2,781 |
| Net loans and leases to total assets | 14.5683% | 7,149 |
| Net loans and leases to deposits | 16.1017% | 7,163 |
| Net loans and leases to core deposits | 16.3097% | 7,159 |
| Total domestic deposits to total assets | 90.4766% | 677 |
| Equity capital to assets | 8.1645% | 6,480 |
| Core capital (leverage) ratio | 7.6264% | 6,553 |
| Tier 1 risk-based capital ratio | 46.0455% | 160 |
| Total risk-based capital ratio | 47.3074% | 159 |
| Memoranda: | ||
| Average total assets | $1,906,905,330 | 371 |
| Average earning assets | $1,840,506,670 | 344 |
| Average equity | $152,392,330 | 479 |
| Average total loans | $366,968,330 | 1,150 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1506% | 7,228 |
| Cost of funding earning assets | 0.1178% | 7,230 |
| Net interest margin | 2.0328% | 7,155 |
| Noninterest income to average assets | 1.5389% | 609 |
| Noninterest expense to average assets | 4.2796% | 683 |
| Loan and lease loss provision to assets | -0.0255% | 7,126 |
| Net operating income to assets | -0.4713% | 6,811 |
| Return on assets (ROA) | -0.4713% | 6,838 |
| Pretax return on assets | -0.7648% | 6,923 |
| Return on Equity (ROE) | -6.0202% | 6,887 |
| Retained earnings to average equity (ytd only) | -6.0202% | 6,660 |
| Net charge-offs to loans | 18.9058% | 4 |
| Credit loss provision to net charge-offs | -0.5795% | 5,326 |
| Earnings coverage of net charge-offs (x) | -0.1793% | 4,430 |
| Efficiency ratio | 122.6515% | 200 |
| Assets per employee ($millions) | 30.4851% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2142% | 1,854 |
| Loan loss allowance to noncurrent loans | 116.8655% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 6,073 |
| Noncurrent loans to loans | 1.8947% | 3,293 |
| Net loans and leases to total assets | 16.3150% | 7,186 |
| Net loans and leases to deposits | 17.7040% | 7,210 |
| Net loans and leases to core deposits | 17.8790% | 7,213 |
| Total domestic deposits to total assets | 92.1545% | 232 |
| Equity capital to assets | 6.7658% | 6,970 |
| Core capital (leverage) ratio | 12.1004% | 1,532 |
| Tier 1 risk-based capital ratio | 46.3713% | 151 |
| Total risk-based capital ratio | 47.6403% | 146 |
| Memoranda: | ||
| Average total assets | $1,471,711,500 | 454 |
| Average earning assets | $1,412,050,000 | 431 |
| Average equity | $115,213,000 | 618 |
| Average total loans | $343,174,500 | 1,227 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4977% | 26 |
| Cost of funding earning assets | 0.6769% | 5,673 |
| Net interest margin | 9.8208% | 23 |
| Noninterest income to average assets | 8.1792% | 75 |
| Noninterest expense to average assets | 12.1782% | 63 |
| Loan and lease loss provision to assets | 3.5766% | 77 |
| Net operating income to assets | 0.5839% | 4,080 |
| Return on assets (ROA) | 0.5839% | 4,258 |
| Pretax return on assets | 0.2010% | 5,788 |
| Return on Equity (ROE) | 2.9909% | 5,287 |
| Retained earnings to average equity (ytd only) | 2.9909% | 4,101 |
| Net charge-offs to loans | 3.9887% | 154 |
| Credit loss provision to net charge-offs | 107.6615% | 3,135 |
| Earnings coverage of net charge-offs (x) | 1.1371% | 4,935 |
| Efficiency ratio | 76.3249% | 2,837 |
| Assets per employee ($millions) | 48.5365% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2932% | 43 |
| Loan loss allowance to noncurrent loans | 731.8519% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 4,957 |
| Noncurrent loans to loans | 0.9965% | 4,711 |
| Net loans and leases to total assets | 77.6251% | 753 |
| Net loans and leases to deposits | 118.5094% | 93 |
| Net loans and leases to core deposits | 30,061.0372% | 6 |
| Total domestic deposits to total assets | 65.5012% | 7,140 |
| Equity capital to assets | 17.5064% | 385 |
| Core capital (leverage) ratio | 15.3226% | 554 |
| Tier 1 risk-based capital ratio | 15.4365% | 3,373 |
| Total risk-based capital ratio | 16.7601% | 3,271 |
| Memoranda: | ||
| Average total assets | $263,241,400 | 2,398 |
| Average earning assets | $208,446,400 | 2,743 |
| Average equity | $51,389,400 | 1,333 |
| Average total loans | $219,244,600 | 1,878 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7621% | 26 |
| Cost of funding earning assets | 0.7006% | 5,756 |
| Net interest margin | 10.0615% | 23 |
| Noninterest income to average assets | 7.2038% | 86 |
| Noninterest expense to average assets | 10.9017% | 68 |
| Loan and lease loss provision to assets | 2.8102% | 127 |
| Net operating income to assets | 1.4709% | 1,005 |
| Return on assets (ROA) | 1.4709% | 1,086 |
| Pretax return on assets | 1.3679% | 2,052 |
| Return on Equity (ROE) | 7.3202% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.3202% | 1,804 |
| Net charge-offs to loans | 4.1076% | 157 |
| Credit loss provision to net charge-offs | 82.2696% | 4,066 |
| Earnings coverage of net charge-offs (x) | 1.2232% | 4,705 |
| Efficiency ratio | 72.2931% | 3,496 |
| Assets per employee ($millions) | 43.2368% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3868% | 39 |
| Loan loss allowance to noncurrent loans | 707.0035% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.8696% | 5,010 |
| Noncurrent loans to loans | 1.0448% | 4,812 |
| Net loans and leases to total assets | 77.0851% | 829 |
| Net loans and leases to deposits | 104.8323% | 288 |
| Net loans and leases to core deposits | 26,416.7768% | 7 |
| Total domestic deposits to total assets | 73.5318% | 6,808 |
| Equity capital to assets | 20.1491% | 239 |
| Core capital (leverage) ratio | 16.9556% | 403 |
| Tier 1 risk-based capital ratio | 19.7575% | 1,743 |
| Total risk-based capital ratio | 21.0850% | 1,698 |
| Memoranda: | ||
| Average total assets | $256,247,000 | 2,468 |
| Average earning assets | $200,588,000 | 2,853 |
| Average equity | $51,491,250 | 1,326 |
| Average total loans | $213,095,000 | 1,945 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6631% | 30 |
| Cost of funding earning assets | 0.7690% | 5,567 |
| Net interest margin | 9.8941% | 26 |
| Noninterest income to average assets | 7.2926% | 92 |
| Noninterest expense to average assets | 8.3522% | 103 |
| Loan and lease loss provision to assets | 2.9194% | 160 |
| Net operating income to assets | 3.2572% | 93 |
| Return on assets (ROA) | 3.2572% | 92 |
| Pretax return on assets | 3.7556% | 105 |
| Return on Equity (ROE) | 16.2244% | 645 |
| Retained earnings to average equity (ytd only) | 16.2244% | 193 |
| Net charge-offs to loans | 4.7306% | 147 |
| Credit loss provision to net charge-offs | 74.2328% | 3,938 |
| Earnings coverage of net charge-offs (x) | 1.6973% | 4,023 |
| Efficiency ratio | 55.5805% | 6,454 |
| Assets per employee ($millions) | 42.8848% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5259% | 41 |
| Loan loss allowance to noncurrent loans | 732.7930% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.8391% | 5,201 |
| Noncurrent loans to loans | 1.0270% | 4,941 |
| Net loans and leases to total assets | 75.5516% | 1,145 |
| Net loans and leases to deposits | 101.9942% | 391 |
| Net loans and leases to core deposits | 32,400.1667% | 7 |
| Total domestic deposits to total assets | 74.0744% | 6,838 |
| Equity capital to assets | 20.8127% | 223 |
| Core capital (leverage) ratio | 18.0527% | 327 |
| Tier 1 risk-based capital ratio | 21.5826% | 1,318 |
| Total risk-based capital ratio | 22.9113% | 1,276 |
| Memoranda: | ||
| Average total assets | $255,189,000 | 2,496 |
| Average earning assets | $199,492,330 | 2,876 |
| Average equity | $51,231,330 | 1,311 |
| Average total loans | $212,151,670 | 1,978 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5919% | 32 |
| Cost of funding earning assets | 0.7895% | 5,617 |
| Net interest margin | 9.8023% | 28 |
| Noninterest income to average assets | 8.1612% | 87 |
| Noninterest expense to average assets | 9.0552% | 85 |
| Loan and lease loss provision to assets | 3.2393% | 142 |
| Net operating income to assets | 2.2036% | 260 |
| Return on assets (ROA) | 2.2036% | 274 |
| Pretax return on assets | 3.5856% | 122 |
| Return on Equity (ROE) | 11.1842% | 1,685 |
| Retained earnings to average equity (ytd only) | 11.1842% | 868 |
| Net charge-offs to loans | 4.3601% | 194 |
| Credit loss provision to net charge-offs | 88.5923% | 2,960 |
| Earnings coverage of net charge-offs (x) | 1.8666% | 3,371 |
| Efficiency ratio | 57.0225% | 6,379 |
| Assets per employee ($millions) | 42.6482% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9586% | 39 |
| Loan loss allowance to noncurrent loans | 526.3668% | 617 |
| Noncurrent assets plus other real estate owned to assets | 1.2509% | 4,442 |
| Noncurrent loans to loans | 1.5120% | 4,208 |
| Net loans and leases to total assets | 76.1498% | 1,017 |
| Net loans and leases to deposits | 102.2925% | 371 |
| Net loans and leases to core deposits | 39,605.4878% | 5 |
| Total domestic deposits to total assets | 74.4432% | 6,863 |
| Equity capital to assets | 19.8363% | 264 |
| Core capital (leverage) ratio | 17.1164% | 389 |
| Tier 1 risk-based capital ratio | 20.1646% | 1,553 |
| Total risk-based capital ratio | 21.4993% | 1,503 |
| Memoranda: | ||
| Average total assets | $254,129,000 | 2,530 |
| Average earning assets | $200,115,500 | 2,887 |
| Average equity | $50,070,500 | 1,331 |
| Average total loans | $213,116,500 | 1,984 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1700% | 32 |
| Cost of funding earning assets | 0.6401% | 7,032 |
| Net interest margin | 10.5299% | 28 |
| Noninterest income to average assets | 7.9331% | 83 |
| Noninterest expense to average assets | 8.1311% | 110 |
| Loan and lease loss provision to assets | 5.8179% | 43 |
| Net operating income to assets | 1.5185% | 732 |
| Return on assets (ROA) | 1.5185% | 796 |
| Pretax return on assets | 2.4702% | 193 |
| Return on Equity (ROE) | 7.1087% | 3,061 |
| Retained earnings to average equity (ytd only) | 7.1087% | 1,275 |
| Net charge-offs to loans | 5.3713% | 146 |
| Credit loss provision to net charge-offs | 126.4387% | 3,203 |
| Earnings coverage of net charge-offs (x) | 1.8012% | 4,366 |
| Efficiency ratio | 49.5221% | 7,164 |
| Assets per employee ($millions) | 42.0615% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9776% | 43 |
| Loan loss allowance to noncurrent loans | 523.8445% | 622 |
| Noncurrent assets plus other real estate owned to assets | 1.2945% | 4,445 |
| Noncurrent loans to loans | 1.5229% | 4,203 |
| Net loans and leases to total assets | 78.2232% | 909 |
| Net loans and leases to deposits | 103.5773% | 421 |
| Net loans and leases to core deposits | 33,290.2192% | 7 |
| Total domestic deposits to total assets | 75.5216% | 6,697 |
| Equity capital to assets | 19.5674% | 283 |
| Core capital (leverage) ratio | 17.8285% | 337 |
| Tier 1 risk-based capital ratio | 19.3759% | 1,622 |
| Total risk-based capital ratio | 20.7119% | 1,575 |
| Memoranda: | ||
| Average total assets | $226,217,200 | 2,797 |
| Average earning assets | $182,309,200 | 3,099 |
| Average equity | $48,321,000 | 1,387 |
| Average total loans | $193,789,600 | 2,212 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4118% | 32 |
| Cost of funding earning assets | 0.5153% | 7,426 |
| Net interest margin | 10.8964% | 27 |
| Noninterest income to average assets | 7.2789% | 93 |
| Noninterest expense to average assets | 7.1970% | 138 |
| Loan and lease loss provision to assets | 5.3829% | 70 |
| Net operating income to assets | 2.1528% | 262 |
| Return on assets (ROA) | 2.1528% | 279 |
| Pretax return on assets | 3.5026% | 91 |
| Return on Equity (ROE) | 9.8411% | 2,188 |
| Retained earnings to average equity (ytd only) | 9.8411% | 833 |
| Net charge-offs to loans | 5.5918% | 133 |
| Credit loss provision to net charge-offs | 112.1239% | 3,770 |
| Earnings coverage of net charge-offs (x) | 1.8508% | 4,322 |
| Efficiency ratio | 44.7505% | 7,438 |
| Assets per employee ($millions) | 41.7460% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0591% | 38 |
| Loan loss allowance to noncurrent loans | 551.3134% | 564 |
| Noncurrent assets plus other real estate owned to assets | 1.1095% | 4,896 |
| Noncurrent loans to loans | 1.4618% | 4,430 |
| Net loans and leases to total assets | 69.7815% | 2,783 |
| Net loans and leases to deposits | 91.7194% | 1,486 |
| Net loans and leases to core deposits | 30,880.9187% | 8 |
| Total domestic deposits to total assets | 76.0815% | 6,639 |
| Equity capital to assets | 19.7652% | 299 |
| Core capital (leverage) ratio | 19.8568% | 251 |
| Tier 1 risk-based capital ratio | 21.7544% | 1,246 |
| Total risk-based capital ratio | 23.0884% | 1,206 |
| Memoranda: | ||
| Average total assets | $219,679,250 | 2,921 |
| Average earning assets | $177,484,750 | 3,193 |
| Average equity | $48,055,750 | 1,404 |
| Average total loans | $188,605,750 | 2,296 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3198% | 32 |
| Cost of funding earning assets | 0.4351% | 7,628 |
| Net interest margin | 10.8847% | 27 |
| Noninterest income to average assets | 7.7655% | 88 |
| Noninterest expense to average assets | 7.7598% | 124 |
| Loan and lease loss provision to assets | 5.7647% | 80 |
| Net operating income to assets | 2.1145% | 274 |
| Return on assets (ROA) | 2.1145% | 299 |
| Pretax return on assets | 3.4401% | 92 |
| Return on Equity (ROE) | 9.3080% | 2,345 |
| Retained earnings to average equity (ytd only) | 9.3080% | 1,009 |
| Net charge-offs to loans | 5.7617% | 149 |
| Credit loss provision to net charge-offs | 111.3859% | 3,636 |
| Earnings coverage of net charge-offs (x) | 1.7786% | 4,183 |
| Efficiency ratio | 45.7411% | 7,451 |
| Assets per employee ($millions) | 34.2088% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1002% | 36 |
| Loan loss allowance to noncurrent loans | 526.1328% | 623 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 4,401 |
| Noncurrent loans to loans | 1.5396% | 4,405 |
| Net loans and leases to total assets | 82.7968% | 455 |
| Net loans and leases to deposits | 116.7817% | 165 |
| Net loans and leases to core deposits | 32,556.1303% | 6 |
| Total domestic deposits to total assets | 70.8988% | 7,271 |
| Equity capital to assets | 23.4662% | 161 |
| Core capital (leverage) ratio | 20.3291% | 230 |
| Tier 1 risk-based capital ratio | 22.4449% | 1,131 |
| Total risk-based capital ratio | 23.7840% | 1,101 |
| Memoranda: | ||
| Average total assets | $209,413,670 | 3,052 |
| Average earning assets | $176,982,330 | 3,230 |
| Average equity | $47,572,000 | 1,410 |
| Average total loans | $188,105,330 | 2,331 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9663% | 37 |
| Cost of funding earning assets | 0.4058% | 7,769 |
| Net interest margin | 10.5604% | 32 |
| Noninterest income to average assets | 4.5562% | 149 |
| Noninterest expense to average assets | 3.7561% | 1,404 |
| Loan and lease loss provision to assets | 1.2237% | 993 |
| Net operating income to assets | 5.2124% | 40 |
| Return on assets (ROA) | 5.2124% | 41 |
| Pretax return on assets | 8.4844% | 33 |
| Return on Equity (ROE) | 23.3186% | 215 |
| Retained earnings to average equity (ytd only) | 23.3186% | 127 |
| Net charge-offs to loans | 5.2505% | 223 |
| Credit loss provision to net charge-offs | 25.9839% | 4,874 |
| Earnings coverage of net charge-offs (x) | 2.0614% | 3,511 |
| Efficiency ratio | 27.8972% | 7,865 |
| Assets per employee ($millions) | 34.0142% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7089% | 69 |
| Loan loss allowance to noncurrent loans | 541.2451% | 589 |
| Noncurrent assets plus other real estate owned to assets | 1.1334% | 4,895 |
| Noncurrent loans to loans | 1.2395% | 4,900 |
| Net loans and leases to total assets | 85.2998% | 268 |
| Net loans and leases to deposits | 119.7202% | 140 |
| Net loans and leases to core deposits | 42,563.3252% | 6 |
| Total domestic deposits to total assets | 71.2492% | 7,327 |
| Equity capital to assets | 23.8415% | 166 |
| Core capital (leverage) ratio | 19.8931% | 255 |
| Tier 1 risk-based capital ratio | 22.6789% | 1,123 |
| Total risk-based capital ratio | 23.9992% | 1,084 |
| Memoranda: | ||
| Average total assets | $211,494,000 | 3,088 |
| Average earning assets | $178,401,500 | 3,274 |
| Average equity | $47,275,500 | 1,423 |
| Average total loans | $189,697,000 | 2,379 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5630% | 123 |
| Cost of funding earning assets | 0.7350% | 7,649 |
| Net interest margin | 6.8280% | 55 |
| Noninterest income to average assets | 2.9789% | 231 |
| Noninterest expense to average assets | 2.6264% | 5,686 |
| Loan and lease loss provision to assets | 6.1913% | 101 |
| Net operating income to assets | -1.3129% | 6,770 |
| Return on assets (ROA) | -1.3129% | 6,773 |
| Pretax return on assets | -2.1418% | 6,993 |
| Return on Equity (ROE) | -3.4257% | 6,045 |
| Retained earnings to average equity (ytd only) | -3.4257% | 5,776 |
| Net charge-offs to loans | 4.8486% | 287 |
| Credit loss provision to net charge-offs | 226.3624% | 1,651 |
| Earnings coverage of net charge-offs (x) | 1.4805% | 4,643 |
| Efficiency ratio | 39.3423% | 7,871 |
| Assets per employee ($millions) | 36.4838% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4495% | 51 |
| Loan loss allowance to noncurrent loans | 528.7923% | 626 |
| Noncurrent assets plus other real estate owned to assets | 1.2407% | 4,613 |
| Noncurrent loans to loans | 1.4088% | 4,574 |
| Net loans and leases to total assets | 81.5105% | 760 |
| Net loans and leases to deposits | 108.0700% | 455 |
| Net loans and leases to core deposits | 35,332.4752% | 4 |
| Total domestic deposits to total assets | 75.4238% | 6,788 |
| Equity capital to assets | 20.9655% | 251 |
| Core capital (leverage) ratio | 21.9867% | 210 |
| Tier 1 risk-based capital ratio | 20.2967% | 1,406 |
| Total risk-based capital ratio | 21.6258% | 1,358 |
| Memoranda: | ||
| Average total assets | $136,191,800 | 4,209 |
| Average earning assets | $73,740,600 | 5,695 |
| Average equity | $52,193,200 | 1,276 |
| Average total loans | $76,827,000 | 4,628 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4940% | 7,934 |
| Cost of funding earning assets | 0.9784% | 7,433 |
| Net interest margin | 2.5156% | 7,450 |
| Noninterest income to average assets | 1.9645% | 386 |
| Noninterest expense to average assets | 1.7487% | 7,711 |
| Loan and lease loss provision to assets | 3.1072% | 462 |
| Net operating income to assets | -1.1438% | 6,928 |
| Return on assets (ROA) | -1.1438% | 6,934 |
| Pretax return on assets | -1.8675% | 7,121 |
| Return on Equity (ROE) | -2.4574% | 6,158 |
| Retained earnings to average equity (ytd only) | -2.4574% | 5,813 |
| Net charge-offs to loans | 3.6903% | 396 |
| Credit loss provision to net charge-offs | 203.3233% | 2,189 |
| Earnings coverage of net charge-offs (x) | 0.8112% | 5,240 |
| Efficiency ratio | 58.5168% | 6,648 |
| Assets per employee ($millions) | 29.3315% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4741% | 63 |
| Loan loss allowance to noncurrent loans | 405.5556% | 766 |
| Noncurrent assets plus other real estate owned to assets | 1.5444% | 4,048 |
| Noncurrent loans to loans | 1.5964% | 4,238 |
| Net loans and leases to total assets | 90.4829% | 97 |
| Net loans and leases to deposits | 137.1824% | 79 |
| Net loans and leases to core deposits | 33,244.2589% | 3 |
| Total domestic deposits to total assets | 65.9581% | 7,688 |
| Equity capital to assets | 26.5312% | 156 |
| Core capital (leverage) ratio | 35.1824% | 94 |
| Tier 1 risk-based capital ratio | 24.6341% | 934 |
| Total risk-based capital ratio | 25.9518% | 903 |
| Memoranda: | ||
| Average total assets | $115,514,000 | 4,707 |
| Average earning assets | $47,012,500 | 6,688 |
| Average equity | $53,768,000 | 1,245 |
| Average total loans | $47,836,000 | 5,810 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.8653% | 5 |
| Cost of funding earning assets | 71.3805% | 1 |
| Net interest margin | -51.5152% | 8,195 |
| Noninterest income to average assets | 0.9940% | 1,610 |
| Noninterest expense to average assets | 1.0922% | 8,110 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2760% | 6,298 |
| Return on assets (ROA) | -0.2760% | 6,313 |
| Pretax return on assets | -0.4561% | 6,373 |
| Return on Equity (ROE) | -0.4965% | 5,997 |
| Retained earnings to average equity (ytd only) | -0.4965% | 5,345 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.6912% | 277 |
| Assets per employee ($millions) | 40.7045% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 18.4255% | 8,138 |
| Equity capital to assets | 58.3584% | 50 |
| Core capital (leverage) ratio | 58.0440% | 52 |
| Tier 1 risk-based capital ratio | 296.0062% | 21 |
| Total risk-based capital ratio | 296.0062% | 21 |
| Memoranda: | ||
| Average total assets | $85,516,000 | 5,597 |
| Average earning assets | $594,000 | 8,194 |
| Average equity | $47,533,000 | 1,449 |
| Average total loans | $617,330 | 8,131 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.2249% | 9 |
| Cost of funding earning assets | 50.2392% | 1 |
| Net interest margin | -33.0144% | 8,247 |
| Noninterest income to average assets | 1.2561% | 907 |
| Noninterest expense to average assets | 1.7084% | 7,815 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.4705% | 6,850 |
| Return on assets (ROA) | -0.4705% | 6,911 |
| Pretax return on assets | -0.7674% | 7,012 |
| Return on Equity (ROE) | -0.8665% | 6,522 |
| Retained earnings to average equity (ytd only) | -0.8665% | 5,858 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 181.5534% | 236 |
| Assets per employee ($millions) | 41.6600% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7192% | 18 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 1.0034% | 8,188 |
| Net loans and leases to deposits | 5.5733% | 8,185 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 18.0029% | 8,194 |
| Equity capital to assets | 57.0007% | 55 |
| Core capital (leverage) ratio | 52.5487% | 69 |
| Tier 1 risk-based capital ratio | 277.0079% | 24 |
| Total risk-based capital ratio | 277.5328% | 24 |
| Memoranda: | ||
| Average total assets | $87,569,500 | 5,563 |
| Average earning assets | $836,000 | 8,246 |
| Average equity | $47,545,000 | 1,448 |
| Average total loans | $926,000 | 8,184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 7,723 |
| Cost of funding earning assets | 2.4396% | 4,530 |
| Net interest margin | 2.7101% | 7,486 |
| Noninterest income to average assets | 0.4997% | 4,613 |
| Noninterest expense to average assets | 4.1644% | 1,186 |
| Loan and lease loss provision to assets | 0.0224% | 7,116 |
| Net operating income to assets | -1.9802% | 7,598 |
| Return on assets (ROA) | -1.9802% | 7,559 |
| Pretax return on assets | -1.6323% | 7,312 |
| Return on Equity (ROE) | -12.2291% | 7,438 |
| Retained earnings to average equity (ytd only) | -12.2291% | 7,261 |
| Net charge-offs to loans | 0.7154% | 1,728 |
| Credit loss provision to net charge-offs | 4.3403% | 6,642 |
| Earnings coverage of net charge-offs (x) | -3.1250% | 6,769 |
| Efficiency ratio | 61.4029% | 6,080 |
| Assets per employee ($millions) | 45.9095% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7192% | 11 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 0.9105% | 8,241 |
| Net loans and leases to deposits | 5.5733% | 8,238 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 16.3365% | 8,248 |
| Equity capital to assets | 51.8379% | 73 |
| Core capital (leverage) ratio | 50.4115% | 77 |
| Tier 1 risk-based capital ratio | 253.4856% | 29 |
| Total risk-based capital ratio | 253.9650% | 29 |
| Memoranda: | ||
| Average total assets | $335,413,200 | 1,993 |
| Average earning assets | $254,304,600 | 2,330 |
| Average equity | $54,313,000 | 1,241 |
| Average total loans | $241,531,400 | 1,960 |