Home > Southern First Bank > Performance and Condition Ratios
Southern First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7736% | 2,528 |
| Cost of funding earning assets | 2.6245% | 286 |
| Net interest margin | 2.1491% | 4,348 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 1.7103% | 4,124 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.3892% | 3,893 |
| Return on assets (ROA) | 0.3892% | 3,884 |
| Pretax return on assets | 0.5036% | 3,799 |
| Return on Equity (ROE) | 4.6700% | 3,778 |
| Retained earnings to average equity (ytd only) | 4.6745% | 2,723 |
| Net charge-offs to loans | 0.0048% | 2,545 |
| Credit loss provision to net charge-offs | 1,331.3253% | 321 |
| Earnings coverage of net charge-offs (x) | 132.9337% | 770 |
| Efficiency ratio | 75.3444% | 1,319 |
| Assets per employee ($millions) | 13.8439% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 2,683 |
| Loan loss allowance to noncurrent loans | 1,026.8299% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.0977% | 2,871 |
| Noncurrent loans to loans | 0.1098% | 2,982 |
| Net loans and leases to total assets | 87.9900% | 86 |
| Net loans and leases to deposits | 105.1131% | 320 |
| Net loans and leases to core deposits | 126.2313% | 479 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 8.3602% | 3,151 |
| Core capital (leverage) ratio | 8.4746% | 4,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2762% | 2,505 |
| Memoranda: | ||
| Average total assets | $3,942,846,000 | 321 |
| Average earning assets | $3,724,980,400 | 308 |
| Average equity | $328,272,600 | 366 |
| Average total loans | $3,485,234,200 | 264 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6378% | 2,594 |
| Cost of funding earning assets | 2.4603% | 294 |
| Net interest margin | 2.1775% | 4,366 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.7292% | 4,078 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.3641% | 4,019 |
| Return on assets (ROA) | 0.3641% | 4,024 |
| Pretax return on assets | 0.4735% | 3,948 |
| Return on Equity (ROE) | 4.3800% | 3,923 |
| Retained earnings to average equity (ytd only) | 4.3775% | 3,156 |
| Net charge-offs to loans | 0.0138% | 1,899 |
| Credit loss provision to net charge-offs | 796.0894% | 467 |
| Earnings coverage of net charge-offs (x) | 46.7905% | 1,350 |
| Efficiency ratio | 75.1903% | 1,252 |
| Assets per employee ($millions) | 13.6286% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1551% | 2,593 |
| Loan loss allowance to noncurrent loans | 953.2097% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.1073% | 2,865 |
| Noncurrent loans to loans | 0.1212% | 2,954 |
| Net loans and leases to total assets | 87.5400% | 98 |
| Net loans and leases to deposits | 104.5350% | 335 |
| Net loans and leases to core deposits | 121.9663% | 503 |
| Total domestic deposits to total assets | 83.7500% | 2,848 |
| Equity capital to assets | 8.2216% | 2,903 |
| Core capital (leverage) ratio | 8.5050% | 4,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2656% | 2,525 |
| Memoranda: | ||
| Average total assets | $3,914,493,500 | 324 |
| Average earning assets | $3,698,390,250 | 311 |
| Average equity | $325,562,500 | 371 |
| Average total loans | $3,454,087,500 | 267 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4283% | 2,815 |
| Cost of funding earning assets | 2.2207% | 324 |
| Net interest margin | 2.2075% | 4,416 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.7535% | 4,080 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.3148% | 4,133 |
| Return on assets (ROA) | 0.3148% | 4,158 |
| Pretax return on assets | 0.4121% | 4,103 |
| Return on Equity (ROE) | 3.7700% | 4,056 |
| Retained earnings to average equity (ytd only) | 3.7703% | 3,261 |
| Net charge-offs to loans | 0.0283% | 1,320 |
| Credit loss provision to net charge-offs | 609.5041% | 568 |
| Earnings coverage of net charge-offs (x) | 22.6116% | 1,695 |
| Efficiency ratio | 75.6557% | 1,205 |
| Assets per employee ($millions) | 13.2137% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,678 |
| Loan loss allowance to noncurrent loans | 1,363.3499% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 3,018 |
| Noncurrent loans to loans | 0.0848% | 3,081 |
| Net loans and leases to total assets | 87.7200% | 89 |
| Net loans and leases to deposits | 101.7630% | 442 |
| Net loans and leases to core deposits | 121.1581% | 487 |
| Total domestic deposits to total assets | 86.2100% | 2,168 |
| Equity capital to assets | 8.2049% | 3,083 |
| Core capital (leverage) ratio | 8.8476% | 3,888 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1127% | 2,598 |
| Memoranda: | ||
| Average total assets | $3,879,181,000 | 316 |
| Average earning assets | $3,665,187,000 | 303 |
| Average equity | $323,902,333 | 364 |
| Average total loans | $3,418,533,667 | 261 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 2,902 |
| Cost of funding earning assets | 1.9270% | 342 |
| Net interest margin | 2.3331% | 4,429 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.7922% | 4,043 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.3322% | 4,203 |
| Return on assets (ROA) | 0.3322% | 4,161 |
| Pretax return on assets | 0.4329% | 4,077 |
| Return on Equity (ROE) | 3.9400% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.9428% | 3,286 |
| Net charge-offs to loans | 0.0070% | 1,684 |
| Credit loss provision to net charge-offs | 3,144.0678% | 141 |
| Earnings coverage of net charge-offs (x) | 101.4576% | 788 |
| Efficiency ratio | 74.0731% | 1,330 |
| Assets per employee ($millions) | 13.0452% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 2,662 |
| Loan loss allowance to noncurrent loans | 854.3207% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 2,668 |
| Noncurrent loans to loans | 0.1382% | 2,803 |
| Net loans and leases to total assets | 85.9100% | 136 |
| Net loans and leases to deposits | 98.2109% | 528 |
| Net loans and leases to core deposits | 113.7476% | 587 |
| Total domestic deposits to total assets | 87.4700% | 2,102 |
| Equity capital to assets | 8.2876% | 3,047 |
| Core capital (leverage) ratio | 9.1566% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3780% | 2,609 |
| Memoranda: | ||
| Average total assets | $3,816,895,000 | 337 |
| Average earning assets | $3,606,396,000 | 316 |
| Average equity | $321,601,000 | 376 |
| Average total loans | $3,351,102,000 | 270 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8248% | 2,208 |
| Cost of funding earning assets | 0.5940% | 926 |
| Net interest margin | 3.2309% | 2,763 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.9375% | 3,751 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.9331% | 2,833 |
| Return on assets (ROA) | 0.9334% | 2,777 |
| Pretax return on assets | 1.2198% | 2,370 |
| Return on Equity (ROE) | 9.9900% | 2,810 |
| Retained earnings to average equity (ytd only) | 9.9860% | 1,158 |
| Net charge-offs to loans | -0.0472% | 4,334 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.3477% | 3,286 |
| Assets per employee ($millions) | 12.6080% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1790% | 2,497 |
| Loan loss allowance to noncurrent loans | 1,404.0334% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 3,044 |
| Noncurrent loans to loans | 0.0840% | 3,155 |
| Net loans and leases to total assets | 87.6700% | 80 |
| Net loans and leases to deposits | 102.5270% | 350 |
| Net loans and leases to core deposits | 116.0048% | 445 |
| Total domestic deposits to total assets | 85.5100% | 2,854 |
| Equity capital to assets | 8.5730% | 2,654 |
| Core capital (leverage) ratio | 9.4290% | 3,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4460% | 2,592 |
| Memoranda: | ||
| Average total assets | $3,284,287,400 | 362 |
| Average earning assets | $3,086,294,800 | 349 |
| Average equity | $306,989,200 | 385 |
| Average total loans | $2,872,406,200 | 291 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7037% | 2,040 |
| Cost of funding earning assets | 0.3533% | 1,674 |
| Net interest margin | 3.3504% | 2,138 |
| Noninterest income to average assets | 0.3300% | 3,174 |
| Noninterest expense to average assets | 1.9852% | 3,516 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.0358% | 2,338 |
| Return on assets (ROA) | 1.0362% | 2,307 |
| Pretax return on assets | 1.3587% | 1,852 |
| Return on Equity (ROE) | 10.8300% | 2,451 |
| Retained earnings to average equity (ytd only) | 10.8253% | 1,099 |
| Net charge-offs to loans | -0.0641% | 4,369 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.1739% | 3,490 |
| Assets per employee ($millions) | 11.7441% | 414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 2,555 |
| Loan loss allowance to noncurrent loans | 1,386.6743% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 3,136 |
| Noncurrent loans to loans | 0.0862% | 3,262 |
| Net loans and leases to total assets | 87.2700% | 83 |
| Net loans and leases to deposits | 99.2908% | 393 |
| Net loans and leases to core deposits | 109.0974% | 496 |
| Total domestic deposits to total assets | 87.8900% | 2,462 |
| Equity capital to assets | 9.0140% | 2,205 |
| Core capital (leverage) ratio | 9.7182% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0874% | 2,434 |
| Memoranda: | ||
| Average total assets | $3,181,825,750 | 375 |
| Average earning assets | $2,986,824,750 | 364 |
| Average equity | $304,562,000 | 387 |
| Average total loans | $2,771,187,750 | 292 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 1,900 |
| Cost of funding earning assets | 0.1985% | 2,931 |
| Net interest margin | 3.3830% | 1,656 |
| Noninterest income to average assets | 0.3222% | 3,245 |
| Noninterest expense to average assets | 1.9881% | 3,463 |
| Loan and lease loss provision to assets | 0.1648% | 561 |
| Net operating income to assets | 1.0277% | 2,056 |
| Return on assets (ROA) | 1.0284% | 2,025 |
| Pretax return on assets | 1.3427% | 1,605 |
| Return on Equity (ROE) | 10.5163% | 2,164 |
| Retained earnings to average equity (ytd only) | 10.5163% | 900 |
| Net charge-offs to loans | 0.0199% | 1,336 |
| Credit loss provision to net charge-offs | 955.0562% | 421 |
| Earnings coverage of net charge-offs (x) | 87.3371% | 884 |
| Efficiency ratio | 56.8877% | 3,692 |
| Assets per employee ($millions) | 11.5768% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 2,712 |
| Loan loss allowance to noncurrent loans | 1,166.5643% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 3,098 |
| Noncurrent loans to loans | 0.1024% | 3,243 |
| Net loans and leases to total assets | 86.0551% | 85 |
| Net loans and leases to deposits | 97.8705% | 348 |
| Net loans and leases to core deposits | 108.3404% | 385 |
| Total domestic deposits to total assets | 87.9276% | 2,601 |
| Equity capital to assets | 9.2835% | 2,176 |
| Core capital (leverage) ratio | 10.0146% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4497% | 2,306 |
| Memoranda: | ||
| Average total assets | $3,095,431,667 | 377 |
| Average earning assets | $2,902,883,000 | 367 |
| Average equity | $302,692,000 | 388 |
| Average total loans | $2,681,827,000 | 296 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5053% | 1,797 |
| Cost of funding earning assets | 0.1320% | 3,742 |
| Net interest margin | 3.3733% | 1,370 |
| Noninterest income to average assets | 0.4101% | 2,621 |
| Noninterest expense to average assets | 2.0020% | 3,423 |
| Loan and lease loss provision to assets | 0.1367% | 586 |
| Net operating income to assets | 1.1084% | 1,506 |
| Return on assets (ROA) | 1.1088% | 1,495 |
| Pretax return on assets | 1.4320% | 1,171 |
| Return on Equity (ROE) | 11.0329% | 1,610 |
| Retained earnings to average equity (ytd only) | 11.0329% | 782 |
| Net charge-offs to loans | -0.0017% | 3,079 |
| Credit loss provision to net charge-offs | -9,318.1818% | 3,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0761% | 3,873 |
| Assets per employee ($millions) | 10.7431% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 2,704 |
| Loan loss allowance to noncurrent loans | 726.7593% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 2,764 |
| Noncurrent loans to loans | 0.1692% | 2,969 |
| Net loans and leases to total assets | 86.1040% | 54 |
| Net loans and leases to deposits | 96.9424% | 258 |
| Net loans and leases to core deposits | 103.0628% | 421 |
| Total domestic deposits to total assets | 88.8197% | 2,160 |
| Equity capital to assets | 9.8086% | 2,044 |
| Core capital (leverage) ratio | 10.4578% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8335% | 2,291 |
| Memoranda: | ||
| Average total assets | $2,999,235,000 | 389 |
| Average earning assets | $2,809,608,500 | 384 |
| Average equity | $301,425,000 | 396 |
| Average total loans | $2,590,974,000 | 301 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7267% | 2,038 |
| Cost of funding earning assets | 0.1561% | 3,907 |
| Net interest margin | 3.5706% | 1,545 |
| Noninterest income to average assets | 0.6616% | 1,897 |
| Noninterest expense to average assets | 2.1428% | 3,263 |
| Loan and lease loss provision to assets | -0.4619% | 4,814 |
| Net operating income to assets | 1.7928% | 512 |
| Return on assets (ROA) | 1.7927% | 538 |
| Pretax return on assets | 2.3317% | 331 |
| Return on Equity (ROE) | 17.3506% | 539 |
| Retained earnings to average equity (ytd only) | 17.3506% | 111 |
| Net charge-offs to loans | 0.0575% | 1,215 |
| Credit loss provision to net charge-offs | -924.6831% | 3,899 |
| Earnings coverage of net charge-offs (x) | 37.4318% | 1,470 |
| Efficiency ratio | 53.4005% | 3,993 |
| Assets per employee ($millions) | 10.5250% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2147% | 2,811 |
| Loan loss allowance to noncurrent loans | 625.1645% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 2,774 |
| Noncurrent loans to loans | 0.1943% | 2,979 |
| Net loans and leases to total assets | 84.5207% | 96 |
| Net loans and leases to deposits | 95.7913% | 324 |
| Net loans and leases to core deposits | 98.7722% | 585 |
| Total domestic deposits to total assets | 88.2342% | 1,918 |
| Equity capital to assets | 10.3036% | 2,369 |
| Core capital (leverage) ratio | 10.5544% | 1,869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3610% | 2,093 |
| Memoranda: | ||
| Average total assets | $2,684,427,400 | 411 |
| Average earning assets | $2,519,406,400 | 403 |
| Average equity | $277,367,200 | 416 |
| Average total loans | $2,331,712,600 | 319 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7682% | 2,098 |
| Cost of funding earning assets | 0.1634% | 3,984 |
| Net interest margin | 3.6048% | 1,591 |
| Noninterest income to average assets | 0.7311% | 1,726 |
| Noninterest expense to average assets | 2.1706% | 3,165 |
| Loan and lease loss provision to assets | -0.4166% | 4,865 |
| Net operating income to assets | 1.8180% | 644 |
| Return on assets (ROA) | 1.8179% | 669 |
| Pretax return on assets | 2.3627% | 417 |
| Return on Equity (ROE) | 17.5800% | 680 |
| Retained earnings to average equity (ytd only) | 17.5800% | 216 |
| Net charge-offs to loans | -0.0073% | 3,554 |
| Credit loss provision to net charge-offs | 6,560.0000% | 121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7258% | 3,953 |
| Assets per employee ($millions) | 10.6254% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4903% | 1,674 |
| Loan loss allowance to noncurrent loans | 259.9625% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 1,534 |
| Noncurrent loans to loans | 0.5733% | 1,873 |
| Net loans and leases to total assets | 85.6586% | 72 |
| Net loans and leases to deposits | 97.2716% | 300 |
| Net loans and leases to core deposits | 100.5420% | 568 |
| Total domestic deposits to total assets | 88.0613% | 1,808 |
| Equity capital to assets | 10.4036% | 2,530 |
| Core capital (leverage) ratio | 10.6024% | 1,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3418% | 2,240 |
| Memoranda: | ||
| Average total assets | $2,624,049,500 | 424 |
| Average earning assets | $2,464,609,250 | 414 |
| Average equity | $271,339,750 | 423 |
| Average total loans | $2,288,782,500 | 327 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8119% | 2,039 |
| Cost of funding earning assets | 0.1726% | 4,018 |
| Net interest margin | 3.6392% | 1,495 |
| Noninterest income to average assets | 0.7938% | 1,559 |
| Noninterest expense to average assets | 2.2314% | 2,978 |
| Loan and lease loss provision to assets | -0.1712% | 4,732 |
| Net operating income to assets | 1.6662% | 927 |
| Return on assets (ROA) | 1.6660% | 979 |
| Pretax return on assets | 2.1543% | 624 |
| Return on Equity (ROE) | 16.1473% | 929 |
| Retained earnings to average equity (ytd only) | 16.1473% | 330 |
| Net charge-offs to loans | 0.0033% | 2,055 |
| Credit loss provision to net charge-offs | -5,945.9459% | 4,001 |
| Earnings coverage of net charge-offs (x) | 689.0270% | 204 |
| Efficiency ratio | 52.9423% | 3,937 |
| Assets per employee ($millions) | 10.4355% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 844 |
| Loan loss allowance to noncurrent loans | 619.3587% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2691% | 2,581 |
| Noncurrent loans to loans | 0.2954% | 2,871 |
| Net loans and leases to total assets | 84.8353% | 110 |
| Net loans and leases to deposits | 96.5295% | 367 |
| Net loans and leases to core deposits | 100.1434% | 654 |
| Total domestic deposits to total assets | 87.8854% | 1,896 |
| Equity capital to assets | 10.4092% | 2,481 |
| Core capital (leverage) ratio | 10.7040% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4218% | 2,197 |
| Memoranda: | ||
| Average total assets | $2,570,780,667 | 426 |
| Average earning assets | $2,416,610,667 | 414 |
| Average equity | $265,246,000 | 428 |
| Average total loans | $2,244,814,000 | 334 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8443% | 1,966 |
| Cost of funding earning assets | 0.1949% | 3,957 |
| Net interest margin | 3.6494% | 1,450 |
| Noninterest income to average assets | 1.0962% | 986 |
| Noninterest expense to average assets | 2.4110% | 2,464 |
| Loan and lease loss provision to assets | -0.0474% | 4,647 |
| Net operating income to assets | 1.6936% | 952 |
| Return on assets (ROA) | 1.6935% | 1,000 |
| Pretax return on assets | 2.1741% | 716 |
| Return on Equity (ROE) | 16.4900% | 929 |
| Retained earnings to average equity (ytd only) | 16.4900% | 465 |
| Net charge-offs to loans | 0.0630% | 905 |
| Credit loss provision to net charge-offs | -85.7143% | 2,812 |
| Earnings coverage of net charge-offs (x) | 38.4486% | 995 |
| Efficiency ratio | 53.1311% | 3,895 |
| Assets per employee ($millions) | 10.4857% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 680 |
| Loan loss allowance to noncurrent loans | 557.4651% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3025% | 2,628 |
| Noncurrent loans to loans | 0.3482% | 2,841 |
| Net loans and leases to total assets | 85.1822% | 112 |
| Net loans and leases to deposits | 96.6171% | 389 |
| Net loans and leases to core deposits | 100.6209% | 687 |
| Total domestic deposits to total assets | 88.1647% | 1,758 |
| Equity capital to assets | 10.2624% | 2,469 |
| Core capital (leverage) ratio | 10.6079% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2923% | 2,167 |
| Memoranda: | ||
| Average total assets | $2,530,868,000 | 426 |
| Average earning assets | $2,386,823,500 | 418 |
| Average equity | $259,915,500 | 428 |
| Average total loans | $2,221,940,000 | 335 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 1,884 |
| Cost of funding earning assets | 0.5864% | 2,405 |
| Net interest margin | 3.7095% | 1,767 |
| Noninterest income to average assets | 1.1670% | 802 |
| Noninterest expense to average assets | 2.3611% | 3,241 |
| Loan and lease loss provision to assets | 1.2248% | 57 |
| Net operating income to assets | 0.8228% | 3,002 |
| Return on assets (ROA) | 0.8229% | 3,126 |
| Pretax return on assets | 1.0673% | 2,825 |
| Return on Equity (ROE) | 8.1756% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.1756% | 1,005 |
| Net charge-offs to loans | 0.1000% | 1,469 |
| Credit loss provision to net charge-offs | 1,414.2379% | 594 |
| Earnings coverage of net charge-offs (x) | 26.4644% | 1,718 |
| Efficiency ratio | 50.7421% | 4,485 |
| Assets per employee ($millions) | 9.7727% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0039% | 582 |
| Loan loss allowance to noncurrent loans | 547.0756% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 2,493 |
| Noncurrent loans to loans | 0.3663% | 2,887 |
| Net loans and leases to total assets | 86.9763% | 69 |
| Net loans and leases to deposits | 99.9683% | 376 |
| Net loans and leases to core deposits | 106.0633% | 639 |
| Total domestic deposits to total assets | 87.0039% | 1,947 |
| Equity capital to assets | 10.2775% | 2,853 |
| Core capital (leverage) ratio | 10.2566% | 2,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9225% | 2,268 |
| Memoranda: | ||
| Average total assets | $2,416,637,200 | 408 |
| Average earning assets | $2,271,133,400 | 392 |
| Average equity | $243,248,600 | 431 |
| Average total loans | $2,092,447,600 | 344 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 1,933 |
| Cost of funding earning assets | 0.6775% | 2,155 |
| Net interest margin | 3.6916% | 1,969 |
| Noninterest income to average assets | 1.1916% | 750 |
| Noninterest expense to average assets | 2.3498% | 3,285 |
| Loan and lease loss provision to assets | 1.5165% | 56 |
| Net operating income to assets | 0.6076% | 3,738 |
| Return on assets (ROA) | 0.6076% | 3,838 |
| Pretax return on assets | 0.7916% | 3,667 |
| Return on Equity (ROE) | 6.0699% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.0699% | 2,079 |
| Net charge-offs to loans | 0.1113% | 1,230 |
| Credit loss provision to net charge-offs | 1,584.4457% | 593 |
| Earnings coverage of net charge-offs (x) | 24.1149% | 1,766 |
| Efficiency ratio | 50.4478% | 4,459 |
| Assets per employee ($millions) | 10.2863% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9707% | 522 |
| Loan loss allowance to noncurrent loans | 457.5593% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 2,425 |
| Noncurrent loans to loans | 0.4307% | 2,763 |
| Net loans and leases to total assets | 84.7172% | 225 |
| Net loans and leases to deposits | 95.6598% | 781 |
| Net loans and leases to core deposits | 103.1610% | 973 |
| Total domestic deposits to total assets | 88.5609% | 952 |
| Equity capital to assets | 9.9237% | 3,293 |
| Core capital (leverage) ratio | 10.0536% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7100% | 2,320 |
| Memoranda: | ||
| Average total assets | $2,400,232,250 | 404 |
| Average earning assets | $2,253,649,000 | 389 |
| Average equity | $240,282,000 | 428 |
| Average total loans | $2,064,778,250 | 343 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 1,857 |
| Cost of funding earning assets | 0.8136% | 1,763 |
| Net interest margin | 3.7066% | 2,138 |
| Noninterest income to average assets | 1.1076% | 807 |
| Noninterest expense to average assets | 2.3040% | 3,505 |
| Loan and lease loss provision to assets | 1.3648% | 104 |
| Net operating income to assets | 0.7046% | 3,383 |
| Return on assets (ROA) | 0.7046% | 3,486 |
| Pretax return on assets | 0.9148% | 3,268 |
| Return on Equity (ROE) | 7.0167% | 3,123 |
| Retained earnings to average equity (ytd only) | 7.0167% | 1,658 |
| Net charge-offs to loans | 0.1216% | 1,117 |
| Credit loss provision to net charge-offs | 1,306.4516% | 666 |
| Earnings coverage of net charge-offs (x) | 21.8218% | 1,644 |
| Efficiency ratio | 50.2656% | 4,487 |
| Assets per employee ($millions) | 10.4750% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 1,210 |
| Loan loss allowance to noncurrent loans | 282.3372% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 2,515 |
| Noncurrent loans to loans | 0.5379% | 2,557 |
| Net loans and leases to total assets | 82.5499% | 365 |
| Net loans and leases to deposits | 93.0019% | 1,054 |
| Net loans and leases to core deposits | 101.6835% | 1,136 |
| Total domestic deposits to total assets | 88.7615% | 837 |
| Equity capital to assets | 9.8032% | 3,363 |
| Core capital (leverage) ratio | 9.9716% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3271% | 2,474 |
| Memoranda: | ||
| Average total assets | $2,373,974,667 | 401 |
| Average earning assets | $2,226,287,667 | 388 |
| Average equity | $238,373,333 | 425 |
| Average total loans | $2,038,916,667 | 340 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 2,662 |
| Cost of funding earning assets | 0.9769% | 1,531 |
| Net interest margin | 3.4103% | 3,266 |
| Noninterest income to average assets | 0.9177% | 1,035 |
| Noninterest expense to average assets | 2.3790% | 3,583 |
| Loan and lease loss provision to assets | 1.0346% | 204 |
| Net operating income to assets | 0.5566% | 3,717 |
| Return on assets (ROA) | 0.5566% | 3,781 |
| Pretax return on assets | 0.7144% | 3,635 |
| Return on Equity (ROE) | 5.4741% | 3,481 |
| Retained earnings to average equity (ytd only) | 5.4741% | 2,078 |
| Net charge-offs to loans | 0.0355% | 1,701 |
| Credit loss provision to net charge-offs | 3,351.9553% | 235 |
| Earnings coverage of net charge-offs (x) | 56.6648% | 829 |
| Efficiency ratio | 57.6298% | 4,052 |
| Assets per employee ($millions) | 9.6418% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,277 |
| Loan loss allowance to noncurrent loans | 226.1452% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 2,787 |
| Noncurrent loans to loans | 0.4810% | 2,815 |
| Net loans and leases to total assets | 86.1236% | 135 |
| Net loans and leases to deposits | 100.2944% | 542 |
| Net loans and leases to core deposits | 111.8805% | 758 |
| Total domestic deposits to total assets | 85.8708% | 2,047 |
| Equity capital to assets | 10.0276% | 3,756 |
| Core capital (leverage) ratio | 10.6406% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1565% | 2,634 |
| Memoranda: | ||
| Average total assets | $2,319,671,000 | 396 |
| Average earning assets | $2,183,642,500 | 380 |
| Average equity | $235,874,000 | 431 |
| Average total loans | $2,017,890,000 | 331 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 2,289 |
| Cost of funding earning assets | 1.2390% | 928 |
| Net interest margin | 3.4726% | 3,528 |
| Noninterest income to average assets | 0.7590% | 1,592 |
| Noninterest expense to average assets | 2.2029% | 4,153 |
| Loan and lease loss provision to assets | 0.1094% | 1,905 |
| Net operating income to assets | 1.3409% | 1,541 |
| Return on assets (ROA) | 1.3682% | 1,532 |
| Pretax return on assets | 1.7421% | 1,085 |
| Return on Equity (ROE) | 14.0090% | 891 |
| Retained earnings to average equity (ytd only) | 14.0090% | 122 |
| Net charge-offs to loans | 0.0779% | 1,987 |
| Credit loss provision to net charge-offs | 161.9718% | 1,595 |
| Earnings coverage of net charge-offs (x) | 26.9070% | 1,679 |
| Efficiency ratio | 54.8005% | 4,343 |
| Assets per employee ($millions) | 9.3697% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 4,170 |
| Loan loss allowance to noncurrent loans | 244.9514% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 3,238 |
| Noncurrent loans to loans | 0.3448% | 3,212 |
| Net loans and leases to total assets | 86.1724% | 155 |
| Net loans and leases to deposits | 103.3378% | 408 |
| Net loans and leases to core deposits | 116.2742% | 585 |
| Total domestic deposits to total assets | 83.3891% | 3,076 |
| Equity capital to assets | 10.3157% | 3,618 |
| Core capital (leverage) ratio | 10.7963% | 2,682 |
| Tier 1 risk-based capital ratio | 12.4240% | 4,122 |
| Total risk-based capital ratio | 13.3068% | 4,205 |
| Memoranda: | ||
| Average total assets | $2,102,864,000 | 406 |
| Average earning assets | $1,974,660,200 | 400 |
| Average equity | $205,382,200 | 467 |
| Average total loans | $1,822,684,400 | 349 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 2,263 |
| Cost of funding earning assets | 1.2846% | 822 |
| Net interest margin | 3.4681% | 3,669 |
| Noninterest income to average assets | 0.7701% | 1,519 |
| Noninterest expense to average assets | 2.1989% | 4,183 |
| Loan and lease loss provision to assets | 0.0808% | 2,291 |
| Net operating income to assets | 1.3689% | 1,579 |
| Return on assets (ROA) | 1.3693% | 1,640 |
| Pretax return on assets | 1.7471% | 1,206 |
| Return on Equity (ROE) | 14.2402% | 937 |
| Retained earnings to average equity (ytd only) | 14.2402% | 197 |
| Net charge-offs to loans | 0.0869% | 1,609 |
| Credit loss provision to net charge-offs | 107.3883% | 2,126 |
| Earnings coverage of net charge-offs (x) | 24.2767% | 1,803 |
| Efficiency ratio | 54.6129% | 4,319 |
| Assets per employee ($millions) | 8.9130% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8434% | 4,263 |
| Loan loss allowance to noncurrent loans | 225.4980% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 3,271 |
| Noncurrent loans to loans | 0.3740% | 3,218 |
| Net loans and leases to total assets | 84.6333% | 281 |
| Net loans and leases to deposits | 97.3399% | 890 |
| Net loans and leases to core deposits | 108.5391% | 1,019 |
| Total domestic deposits to total assets | 86.9462% | 1,547 |
| Equity capital to assets | 10.3126% | 3,701 |
| Core capital (leverage) ratio | 10.5442% | 3,068 |
| Tier 1 risk-based capital ratio | 12.3583% | 4,220 |
| Total risk-based capital ratio | 13.2226% | 4,315 |
| Memoranda: | ||
| Average total assets | $2,061,713,750 | 417 |
| Average earning assets | $1,935,739,750 | 409 |
| Average equity | $198,251,250 | 483 |
| Average total loans | $1,785,712,750 | 358 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 2,298 |
| Cost of funding earning assets | 1.2656% | 830 |
| Net interest margin | 3.4563% | 3,722 |
| Noninterest income to average assets | 0.7273% | 1,612 |
| Noninterest expense to average assets | 2.2137% | 4,192 |
| Loan and lease loss provision to assets | 0.0595% | 2,632 |
| Net operating income to assets | 1.3489% | 1,579 |
| Return on assets (ROA) | 1.3494% | 1,645 |
| Pretax return on assets | 1.7135% | 1,246 |
| Return on Equity (ROE) | 14.4134% | 894 |
| Retained earnings to average equity (ytd only) | 14.4134% | 203 |
| Net charge-offs to loans | 0.0248% | 2,352 |
| Credit loss provision to net charge-offs | 275.2294% | 947 |
| Earnings coverage of net charge-offs (x) | 81.9220% | 801 |
| Efficiency ratio | 55.5337% | 4,302 |
| Assets per employee ($millions) | 8.6669% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 4,170 |
| Loan loss allowance to noncurrent loans | 277.8657% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.2736% | 3,466 |
| Noncurrent loans to loans | 0.3168% | 3,402 |
| Net loans and leases to total assets | 85.6048% | 244 |
| Net loans and leases to deposits | 97.1322% | 923 |
| Net loans and leases to core deposits | 110.0913% | 970 |
| Total domestic deposits to total assets | 88.1323% | 1,039 |
| Equity capital to assets | 9.2408% | 4,619 |
| Core capital (leverage) ratio | 9.6268% | 4,002 |
| Tier 1 risk-based capital ratio | 11.0288% | 4,895 |
| Total risk-based capital ratio | 11.9371% | 4,953 |
| Memoranda: | ||
| Average total assets | $2,015,116,000 | 424 |
| Average earning assets | $1,900,016,000 | 413 |
| Average equity | $188,657,670 | 497 |
| Average total loans | $1,754,598,000 | 366 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 2,288 |
| Cost of funding earning assets | 1.2167% | 859 |
| Net interest margin | 3.4663% | 3,693 |
| Noninterest income to average assets | 0.6332% | 1,895 |
| Noninterest expense to average assets | 2.1952% | 4,266 |
| Loan and lease loss provision to assets | 0.0612% | 2,431 |
| Net operating income to assets | 1.2611% | 1,842 |
| Return on assets (ROA) | 1.2616% | 1,891 |
| Pretax return on assets | 1.6496% | 1,348 |
| Return on Equity (ROE) | 13.3818% | 1,117 |
| Retained earnings to average equity (ytd only) | 13.3818% | 415 |
| Net charge-offs to loans | 0.0026% | 2,658 |
| Credit loss provision to net charge-offs | 2,727.2727% | 162 |
| Earnings coverage of net charge-offs (x) | 762.1818% | 89 |
| Efficiency ratio | 56.2102% | 4,304 |
| Assets per employee ($millions) | 8.9010% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,073 |
| Loan loss allowance to noncurrent loans | 265.3058% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 3,408 |
| Noncurrent loans to loans | 0.3470% | 3,333 |
| Net loans and leases to total assets | 85.4876% | 236 |
| Net loans and leases to deposits | 97.0867% | 881 |
| Net loans and leases to core deposits | 110.3805% | 912 |
| Total domestic deposits to total assets | 88.0528% | 1,312 |
| Equity capital to assets | 9.3163% | 4,416 |
| Core capital (leverage) ratio | 9.8587% | 3,755 |
| Tier 1 risk-based capital ratio | 11.1322% | 4,919 |
| Total risk-based capital ratio | 12.0795% | 4,959 |
| Memoranda: | ||
| Average total assets | $1,960,981,500 | 437 |
| Average earning assets | $1,851,206,500 | 423 |
| Average equity | $184,877,500 | 500 |
| Average total loans | $1,714,965,000 | 377 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5797% | 2,191 |
| Cost of funding earning assets | 0.9468% | 932 |
| Net interest margin | 3.6329% | 3,273 |
| Noninterest income to average assets | 0.5381% | 2,620 |
| Noninterest expense to average assets | 2.2053% | 4,328 |
| Loan and lease loss provision to assets | 0.1067% | 2,070 |
| Net operating income to assets | 1.2878% | 1,856 |
| Return on assets (ROA) | 1.2881% | 1,844 |
| Pretax return on assets | 1.6572% | 1,289 |
| Return on Equity (ROE) | 13.5221% | 1,165 |
| Retained earnings to average equity (ytd only) | 13.5221% | 194 |
| Net charge-offs to loans | 0.1075% | 1,670 |
| Credit loss provision to net charge-offs | 114.3889% | 2,270 |
| Earnings coverage of net charge-offs (x) | 18.9079% | 2,101 |
| Efficiency ratio | 55.5653% | 4,466 |
| Assets per employee ($millions) | 8.3032% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 4,025 |
| Loan loss allowance to noncurrent loans | 270.3602% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3066% | 3,337 |
| Noncurrent loans to loans | 0.3457% | 3,305 |
| Net loans and leases to total assets | 87.8714% | 123 |
| Net loans and leases to deposits | 100.8115% | 682 |
| Net loans and leases to core deposits | 114.8442% | 746 |
| Total domestic deposits to total assets | 87.1640% | 1,700 |
| Equity capital to assets | 9.5463% | 4,091 |
| Core capital (leverage) ratio | 9.8444% | 3,755 |
| Tier 1 risk-based capital ratio | 11.1950% | 4,865 |
| Total risk-based capital ratio | 12.1622% | 4,902 |
| Memoranda: | ||
| Average total assets | $1,780,885,600 | 460 |
| Average earning assets | $1,681,730,600 | 447 |
| Average equity | $169,648,600 | 515 |
| Average total loans | $1,545,344,200 | 393 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 2,284 |
| Cost of funding earning assets | 0.8875% | 970 |
| Net interest margin | 3.6177% | 3,311 |
| Noninterest income to average assets | 0.5540% | 2,544 |
| Noninterest expense to average assets | 2.2068% | 4,309 |
| Loan and lease loss provision to assets | 0.0990% | 2,015 |
| Net operating income to assets | 1.2937% | 1,883 |
| Return on assets (ROA) | 1.2937% | 1,883 |
| Pretax return on assets | 1.6616% | 1,375 |
| Return on Equity (ROE) | 13.5888% | 1,237 |
| Retained earnings to average equity (ytd only) | 13.5888% | 294 |
| Net charge-offs to loans | 0.0603% | 1,959 |
| Credit loss provision to net charge-offs | 190.3367% | 1,444 |
| Earnings coverage of net charge-offs (x) | 33.8479% | 1,505 |
| Efficiency ratio | 55.6234% | 4,433 |
| Assets per employee ($millions) | 8.3414% | 559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 3,830 |
| Loan loss allowance to noncurrent loans | 270.5330% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 0.3271% | 3,375 |
| Noncurrent loans to loans | 0.3661% | 3,337 |
| Net loans and leases to total assets | 86.7337% | 205 |
| Net loans and leases to deposits | 100.7742% | 719 |
| Net loans and leases to core deposits | 114.2521% | 801 |
| Total domestic deposits to total assets | 86.0673% | 2,159 |
| Equity capital to assets | 9.4004% | 4,178 |
| Core capital (leverage) ratio | 9.8652% | 3,781 |
| Tier 1 risk-based capital ratio | 11.1561% | 4,966 |
| Total risk-based capital ratio | 12.1764% | 4,972 |
| Memoranda: | ||
| Average total assets | $1,750,750,000 | 464 |
| Average earning assets | $1,651,849,500 | 456 |
| Average equity | $166,681,750 | 519 |
| Average total loans | $1,510,037,000 | 398 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4331% | 2,308 |
| Cost of funding earning assets | 0.8384% | 973 |
| Net interest margin | 3.5947% | 3,331 |
| Noninterest income to average assets | 0.5808% | 2,430 |
| Noninterest expense to average assets | 2.2154% | 4,337 |
| Loan and lease loss provision to assets | 0.1050% | 1,854 |
| Net operating income to assets | 1.2879% | 1,828 |
| Return on assets (ROA) | 1.2878% | 1,826 |
| Pretax return on assets | 1.6519% | 1,334 |
| Return on Equity (ROE) | 13.4646% | 1,219 |
| Retained earnings to average equity (ytd only) | 13.4646% | 321 |
| Net charge-offs to loans | 0.0439% | 1,986 |
| Credit loss provision to net charge-offs | 278.6378% | 1,067 |
| Earnings coverage of net charge-offs (x) | 46.6254% | 1,181 |
| Efficiency ratio | 55.7696% | 4,505 |
| Assets per employee ($millions) | 8.2802% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,562 |
| Loan loss allowance to noncurrent loans | 208.4952% | 2,189 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 2,970 |
| Noncurrent loans to loans | 0.5009% | 2,916 |
| Net loans and leases to total assets | 85.2894% | 327 |
| Net loans and leases to deposits | 96.6735% | 1,079 |
| Net loans and leases to core deposits | 108.4469% | 1,091 |
| Total domestic deposits to total assets | 88.2242% | 1,259 |
| Equity capital to assets | 9.4584% | 4,148 |
| Core capital (leverage) ratio | 9.6929% | 3,898 |
| Tier 1 risk-based capital ratio | 11.3864% | 4,846 |
| Total risk-based capital ratio | 12.4614% | 4,844 |
| Memoranda: | ||
| Average total assets | $1,714,290,000 | 477 |
| Average earning assets | $1,617,420,670 | 462 |
| Average equity | $163,956,000 | 526 |
| Average total loans | $1,470,216,330 | 403 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3598% | 2,322 |
| Cost of funding earning assets | 0.7635% | 1,130 |
| Net interest margin | 3.5964% | 3,197 |
| Noninterest income to average assets | 0.5564% | 2,488 |
| Noninterest expense to average assets | 2.1763% | 4,475 |
| Loan and lease loss provision to assets | 0.1192% | 1,582 |
| Net operating income to assets | 1.2769% | 1,724 |
| Return on assets (ROA) | 1.2767% | 1,730 |
| Pretax return on assets | 1.6535% | 1,231 |
| Return on Equity (ROE) | 13.2704% | 1,194 |
| Retained earnings to average equity (ytd only) | 13.2704% | 486 |
| Net charge-offs to loans | 0.0477% | 1,637 |
| Credit loss provision to net charge-offs | 292.3977% | 837 |
| Earnings coverage of net charge-offs (x) | 43.4737% | 1,020 |
| Efficiency ratio | 55.1060% | 4,684 |
| Assets per employee ($millions) | 8.1993% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,508 |
| Loan loss allowance to noncurrent loans | 217.8969% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.4345% | 3,102 |
| Noncurrent loans to loans | 0.4948% | 3,034 |
| Net loans and leases to total assets | 84.0676% | 432 |
| Net loans and leases to deposits | 95.1972% | 1,109 |
| Net loans and leases to core deposits | 108.4651% | 1,091 |
| Total domestic deposits to total assets | 88.3089% | 1,457 |
| Equity capital to assets | 9.4601% | 4,127 |
| Core capital (leverage) ratio | 10.0101% | 3,524 |
| Tier 1 risk-based capital ratio | 11.6099% | 4,799 |
| Total risk-based capital ratio | 12.7263% | 4,772 |
| Memoranda: | ||
| Average total assets | $1,677,172,500 | 491 |
| Average earning assets | $1,582,259,500 | 474 |
| Average equity | $161,351,000 | 537 |
| Average total loans | $1,434,563,500 | 412 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3472% | 2,190 |
| Cost of funding earning assets | 0.6946% | 1,057 |
| Net interest margin | 3.6526% | 2,979 |
| Noninterest income to average assets | 0.6025% | 2,434 |
| Noninterest expense to average assets | 2.2818% | 4,383 |
| Loan and lease loss provision to assets | 0.1329% | 1,731 |
| Net operating income to assets | 0.8988% | 2,718 |
| Return on assets (ROA) | 0.8990% | 2,750 |
| Pretax return on assets | 1.6216% | 1,236 |
| Return on Equity (ROE) | 9.4370% | 2,121 |
| Retained earnings to average equity (ytd only) | 9.4370% | 430 |
| Net charge-offs to loans | 0.1033% | 2,033 |
| Credit loss provision to net charge-offs | 150.1502% | 1,773 |
| Earnings coverage of net charge-offs (x) | 19.8243% | 2,003 |
| Efficiency ratio | 56.5362% | 4,710 |
| Assets per employee ($millions) | 8.2035% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 3,294 |
| Loan loss allowance to noncurrent loans | 212.5856% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,016 |
| Noncurrent loans to loans | 0.5220% | 2,946 |
| Net loans and leases to total assets | 85.1656% | 328 |
| Net loans and leases to deposits | 99.6183% | 760 |
| Net loans and leases to core deposits | 112.1784% | 888 |
| Total domestic deposits to total assets | 85.4919% | 2,657 |
| Equity capital to assets | 9.7912% | 3,928 |
| Core capital (leverage) ratio | 10.0353% | 3,413 |
| Tier 1 risk-based capital ratio | 11.8418% | 4,632 |
| Total risk-based capital ratio | 12.9944% | 4,574 |
| Memoranda: | ||
| Average total assets | $1,505,287,200 | 518 |
| Average earning assets | $1,415,017,800 | 499 |
| Average equity | $143,393,600 | 565 |
| Average total loans | $1,288,922,200 | 433 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3338% | 2,160 |
| Cost of funding earning assets | 0.6913% | 1,004 |
| Net interest margin | 3.6425% | 2,985 |
| Noninterest income to average assets | 0.6476% | 2,221 |
| Noninterest expense to average assets | 2.3496% | 4,157 |
| Loan and lease loss provision to assets | 0.1355% | 1,593 |
| Net operating income to assets | 1.0242% | 2,449 |
| Return on assets (ROA) | 1.0243% | 2,491 |
| Pretax return on assets | 1.5872% | 1,470 |
| Return on Equity (ROE) | 10.8360% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.8360% | 436 |
| Net charge-offs to loans | 0.0820% | 1,983 |
| Credit loss provision to net charge-offs | 193.2990% | 1,379 |
| Earnings coverage of net charge-offs (x) | 24.5657% | 1,762 |
| Efficiency ratio | 57.6998% | 4,543 |
| Assets per employee ($millions) | 7.8667% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,115 |
| Loan loss allowance to noncurrent loans | 278.0971% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 3,476 |
| Noncurrent loans to loans | 0.4190% | 3,444 |
| Net loans and leases to total assets | 84.8282% | 352 |
| Net loans and leases to deposits | 97.9235% | 928 |
| Net loans and leases to core deposits | 112.9116% | 894 |
| Total domestic deposits to total assets | 86.6270% | 2,032 |
| Equity capital to assets | 10.0927% | 3,811 |
| Core capital (leverage) ratio | 10.1495% | 3,382 |
| Tier 1 risk-based capital ratio | 12.1264% | 4,535 |
| Total risk-based capital ratio | 13.3274% | 4,447 |
| Memoranda: | ||
| Average total assets | $1,475,536,250 | 527 |
| Average earning assets | $1,387,264,000 | 510 |
| Average equity | $139,482,750 | 587 |
| Average total loans | $1,261,437,750 | 442 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2583% | 2,254 |
| Cost of funding earning assets | 0.6838% | 968 |
| Net interest margin | 3.5746% | 3,129 |
| Noninterest income to average assets | 0.6491% | 2,208 |
| Noninterest expense to average assets | 2.3820% | 4,105 |
| Loan and lease loss provision to assets | 0.1381% | 1,494 |
| Net operating income to assets | 0.9624% | 2,599 |
| Return on assets (ROA) | 0.9626% | 2,656 |
| Pretax return on assets | 1.4973% | 1,649 |
| Return on Equity (ROE) | 10.4360% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.4360% | 517 |
| Net charge-offs to loans | 0.0665% | 1,972 |
| Credit loss provision to net charge-offs | 243.3090% | 1,105 |
| Earnings coverage of net charge-offs (x) | 28.8078% | 1,495 |
| Efficiency ratio | 59.2959% | 4,423 |
| Assets per employee ($millions) | 7.7334% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 3,149 |
| Loan loss allowance to noncurrent loans | 293.7797% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3694% | 3,638 |
| Noncurrent loans to loans | 0.4009% | 3,594 |
| Net loans and leases to total assets | 84.2048% | 422 |
| Net loans and leases to deposits | 99.3517% | 784 |
| Net loans and leases to core deposits | 118.1974% | 632 |
| Total domestic deposits to total assets | 84.7542% | 2,909 |
| Equity capital to assets | 9.9258% | 3,998 |
| Core capital (leverage) ratio | 10.2276% | 3,238 |
| Tier 1 risk-based capital ratio | 11.9759% | 4,649 |
| Total risk-based capital ratio | 13.1853% | 4,571 |
| Memoranda: | ||
| Average total assets | $1,448,181,330 | 539 |
| Average earning assets | $1,364,520,670 | 517 |
| Average equity | $133,575,670 | 616 |
| Average total loans | $1,236,295,670 | 452 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2639% | 2,058 |
| Cost of funding earning assets | 0.6748% | 958 |
| Net interest margin | 3.5892% | 2,926 |
| Noninterest income to average assets | 0.6410% | 2,223 |
| Noninterest expense to average assets | 2.4480% | 3,971 |
| Loan and lease loss provision to assets | 0.1426% | 1,314 |
| Net operating income to assets | 0.9233% | 2,650 |
| Return on assets (ROA) | 0.9233% | 2,706 |
| Pretax return on assets | 1.4237% | 1,795 |
| Return on Equity (ROE) | 10.4462% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.4462% | 714 |
| Net charge-offs to loans | 0.0227% | 2,313 |
| Credit loss provision to net charge-offs | 735.2941% | 439 |
| Earnings coverage of net charge-offs (x) | 80.7794% | 651 |
| Efficiency ratio | 60.9817% | 4,323 |
| Assets per employee ($millions) | 7.9774% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 2,848 |
| Loan loss allowance to noncurrent loans | 247.4025% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 3,346 |
| Noncurrent loans to loans | 0.5039% | 3,295 |
| Net loans and leases to total assets | 82.4914% | 514 |
| Net loans and leases to deposits | 99.1997% | 670 |
| Net loans and leases to core deposits | 119.2470% | 482 |
| Total domestic deposits to total assets | 83.1569% | 3,782 |
| Equity capital to assets | 8.8465% | 4,957 |
| Core capital (leverage) ratio | 9.4701% | 4,149 |
| Tier 1 risk-based capital ratio | 10.9535% | 5,336 |
| Total risk-based capital ratio | 12.2039% | 5,250 |
| Memoranda: | ||
| Average total assets | $1,402,799,500 | 553 |
| Average earning assets | $1,318,410,000 | 541 |
| Average equity | $123,987,500 | 663 |
| Average total loans | $1,198,789,000 | 462 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3175% | 2,090 |
| Cost of funding earning assets | 0.6538% | 1,033 |
| Net interest margin | 3.6637% | 2,846 |
| Noninterest income to average assets | 0.7195% | 2,081 |
| Noninterest expense to average assets | 2.3522% | 4,412 |
| Loan and lease loss provision to assets | 0.1807% | 1,321 |
| Net operating income to assets | 1.0394% | 2,191 |
| Return on assets (ROA) | 1.0611% | 2,186 |
| Pretax return on assets | 1.6506% | 1,128 |
| Return on Equity (ROE) | 12.1004% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.1004% | 211 |
| Net charge-offs to loans | 0.0988% | 2,302 |
| Credit loss provision to net charge-offs | 214.1527% | 1,327 |
| Earnings coverage of net charge-offs (x) | 21.3035% | 1,796 |
| Efficiency ratio | 56.6847% | 4,990 |
| Assets per employee ($millions) | 7.4735% | 740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,714 |
| Loan loss allowance to noncurrent loans | 271.0272% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.4575% | 3,430 |
| Noncurrent loans to loans | 0.4679% | 3,475 |
| Net loans and leases to total assets | 86.4577% | 214 |
| Net loans and leases to deposits | 105.4944% | 370 |
| Net loans and leases to core deposits | 122.1717% | 426 |
| Total domestic deposits to total assets | 81.9547% | 4,088 |
| Equity capital to assets | 8.8299% | 4,982 |
| Core capital (leverage) ratio | 9.0774% | 4,650 |
| Tier 1 risk-based capital ratio | 10.4390% | 5,596 |
| Total risk-based capital ratio | 11.6897% | 5,544 |
| Memoranda: | ||
| Average total assets | $1,272,947,400 | 581 |
| Average earning assets | $1,191,775,000 | 565 |
| Average equity | $111,624,600 | 717 |
| Average total loans | $1,087,504,800 | 477 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3005% | 2,163 |
| Cost of funding earning assets | 0.6521% | 1,051 |
| Net interest margin | 3.6484% | 2,897 |
| Noninterest income to average assets | 0.8601% | 1,547 |
| Noninterest expense to average assets | 2.4381% | 4,169 |
| Loan and lease loss provision to assets | 0.2148% | 975 |
| Net operating income to assets | 1.0431% | 2,233 |
| Return on assets (ROA) | 1.0724% | 2,213 |
| Pretax return on assets | 1.6660% | 1,208 |
| Return on Equity (ROE) | 12.2518% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.2518% | 275 |
| Net charge-offs to loans | 0.1470% | 1,523 |
| Credit loss provision to net charge-offs | 172.1939% | 1,619 |
| Earnings coverage of net charge-offs (x) | 14.7083% | 2,226 |
| Efficiency ratio | 57.0560% | 4,949 |
| Assets per employee ($millions) | 7.3985% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,748 |
| Loan loss allowance to noncurrent loans | 258.2590% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.5819% | 3,157 |
| Noncurrent loans to loans | 0.4991% | 3,508 |
| Net loans and leases to total assets | 86.1267% | 247 |
| Net loans and leases to deposits | 105.7192% | 385 |
| Net loans and leases to core deposits | 124.9180% | 393 |
| Total domestic deposits to total assets | 81.4674% | 4,112 |
| Equity capital to assets | 8.9561% | 5,213 |
| Core capital (leverage) ratio | 9.1028% | 4,714 |
| Tier 1 risk-based capital ratio | 10.5198% | 5,612 |
| Total risk-based capital ratio | 11.7708% | 5,531 |
| Memoranda: | ||
| Average total assets | $1,256,746,000 | 586 |
| Average earning assets | $1,175,682,000 | 571 |
| Average equity | $110,000,250 | 730 |
| Average total loans | $1,066,519,750 | 480 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2798% | 2,219 |
| Cost of funding earning assets | 0.6552% | 1,027 |
| Net interest margin | 3.6246% | 2,998 |
| Noninterest income to average assets | 0.8189% | 1,646 |
| Noninterest expense to average assets | 2.4180% | 4,277 |
| Loan and lease loss provision to assets | 0.1925% | 1,122 |
| Net operating income to assets | 1.0211% | 2,293 |
| Return on assets (ROA) | 1.0544% | 2,276 |
| Pretax return on assets | 1.6482% | 1,225 |
| Return on Equity (ROE) | 12.1439% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.1439% | 305 |
| Net charge-offs to loans | 0.0977% | 1,864 |
| Credit loss provision to net charge-offs | 234.3750% | 1,160 |
| Earnings coverage of net charge-offs (x) | 21.7734% | 1,661 |
| Efficiency ratio | 57.4812% | 4,976 |
| Assets per employee ($millions) | 7.4900% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3258% | 2,644 |
| Loan loss allowance to noncurrent loans | 250.6039% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 3,232 |
| Noncurrent loans to loans | 0.5290% | 3,496 |
| Net loans and leases to total assets | 82.7107% | 545 |
| Net loans and leases to deposits | 101.1193% | 623 |
| Net loans and leases to core deposits | 117.3026% | 602 |
| Total domestic deposits to total assets | 81.7952% | 4,057 |
| Equity capital to assets | 8.6919% | 5,490 |
| Core capital (leverage) ratio | 8.9755% | 4,861 |
| Tier 1 risk-based capital ratio | 10.4308% | 5,701 |
| Total risk-based capital ratio | 11.6819% | 5,619 |
| Memoranda: | ||
| Average total assets | $1,246,546,670 | 589 |
| Average earning assets | $1,165,104,330 | 575 |
| Average equity | $108,235,000 | 743 |
| Average total loans | $1,047,618,000 | 486 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3235% | 2,053 |
| Cost of funding earning assets | 0.6723% | 936 |
| Net interest margin | 3.6512% | 2,885 |
| Noninterest income to average assets | 0.6406% | 2,317 |
| Noninterest expense to average assets | 2.2792% | 4,718 |
| Loan and lease loss provision to assets | 0.2040% | 965 |
| Net operating income to assets | 1.0167% | 2,203 |
| Return on assets (ROA) | 1.0818% | 2,079 |
| Pretax return on assets | 1.6657% | 1,141 |
| Return on Equity (ROE) | 12.4666% | 1,166 |
| Retained earnings to average equity (ytd only) | 12.4666% | 442 |
| Net charge-offs to loans | 0.1381% | 1,285 |
| Credit loss provision to net charge-offs | 175.5618% | 1,170 |
| Earnings coverage of net charge-offs (x) | 15.2303% | 1,668 |
| Efficiency ratio | 56.2953% | 5,170 |
| Assets per employee ($millions) | 7.1896% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3197% | 2,801 |
| Loan loss allowance to noncurrent loans | 224.5960% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6851% | 3,004 |
| Noncurrent loans to loans | 0.5876% | 3,427 |
| Net loans and leases to total assets | 84.0367% | 369 |
| Net loans and leases to deposits | 103.2284% | 450 |
| Net loans and leases to core deposits | 120.7183% | 447 |
| Total domestic deposits to total assets | 81.4086% | 4,377 |
| Equity capital to assets | 8.7563% | 5,377 |
| Core capital (leverage) ratio | 8.9468% | 4,920 |
| Tier 1 risk-based capital ratio | 10.3529% | 5,806 |
| Total risk-based capital ratio | 11.6039% | 5,729 |
| Memoranda: | ||
| Average total assets | $1,225,680,000 | 595 |
| Average earning assets | $1,144,064,500 | 583 |
| Average equity | $106,364,500 | 755 |
| Average total loans | $1,031,495,500 | 492 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4080% | 1,874 |
| Cost of funding earning assets | 0.6835% | 894 |
| Net interest margin | 3.7244% | 2,660 |
| Noninterest income to average assets | 0.6188% | 2,627 |
| Noninterest expense to average assets | 2.3491% | 4,652 |
| Loan and lease loss provision to assets | 0.2857% | 623 |
| Net operating income to assets | 0.9759% | 2,487 |
| Return on assets (ROA) | 0.9937% | 2,491 |
| Pretax return on assets | 1.4919% | 1,581 |
| Return on Equity (ROE) | 11.3872% | 1,471 |
| Retained earnings to average equity (ytd only) | 11.3872% | 301 |
| Net charge-offs to loans | 0.1379% | 1,971 |
| Credit loss provision to net charge-offs | 241.8745% | 1,178 |
| Earnings coverage of net charge-offs (x) | 14.8246% | 2,259 |
| Efficiency ratio | 57.2916% | 5,226 |
| Assets per employee ($millions) | 7.2740% | 793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3496% | 2,668 |
| Loan loss allowance to noncurrent loans | 206.0006% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 2,810 |
| Noncurrent loans to loans | 0.6551% | 3,227 |
| Net loans and leases to total assets | 82.0134% | 593 |
| Net loans and leases to deposits | 100.8309% | 621 |
| Net loans and leases to core deposits | 117.6499% | 552 |
| Total domestic deposits to total assets | 81.3375% | 4,389 |
| Equity capital to assets | 8.5983% | 5,471 |
| Core capital (leverage) ratio | 8.5699% | 5,356 |
| Tier 1 risk-based capital ratio | 10.4235% | 5,813 |
| Total risk-based capital ratio | 11.6749% | 5,733 |
| Memoranda: | ||
| Average total assets | $1,120,011,200 | 628 |
| Average earning assets | $1,046,925,000 | 621 |
| Average equity | $97,732,200 | 787 |
| Average total loans | $959,456,400 | 498 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4203% | 1,853 |
| Cost of funding earning assets | 0.6807% | 930 |
| Net interest margin | 3.7396% | 2,613 |
| Noninterest income to average assets | 0.6225% | 2,626 |
| Noninterest expense to average assets | 2.3698% | 4,591 |
| Loan and lease loss provision to assets | 0.3040% | 474 |
| Net operating income to assets | 0.9520% | 2,704 |
| Return on assets (ROA) | 0.9758% | 2,675 |
| Pretax return on assets | 1.4792% | 1,735 |
| Return on Equity (ROE) | 11.1380% | 1,649 |
| Retained earnings to average equity (ytd only) | 11.1380% | 454 |
| Net charge-offs to loans | 0.1245% | 1,881 |
| Credit loss provision to net charge-offs | 282.8054% | 1,020 |
| Earnings coverage of net charge-offs (x) | 16.2511% | 2,129 |
| Efficiency ratio | 57.5623% | 5,174 |
| Assets per employee ($millions) | 7.1404% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 2,949 |
| Loan loss allowance to noncurrent loans | 186.0284% | 2,401 |
| Noncurrent assets plus other real estate owned to assets | 0.8405% | 2,776 |
| Noncurrent loans to loans | 0.7157% | 3,188 |
| Net loans and leases to total assets | 84.6053% | 339 |
| Net loans and leases to deposits | 104.4493% | 433 |
| Net loans and leases to core deposits | 123.9853% | 373 |
| Total domestic deposits to total assets | 81.0013% | 4,476 |
| Equity capital to assets | 8.5935% | 5,650 |
| Core capital (leverage) ratio | 8.8146% | 5,223 |
| Tier 1 risk-based capital ratio | 10.3283% | 5,940 |
| Total risk-based capital ratio | 11.5799% | 5,879 |
| Memoranda: | ||
| Average total assets | $1,096,326,000 | 645 |
| Average earning assets | $1,024,429,250 | 634 |
| Average equity | $96,053,250 | 800 |
| Average total loans | $946,848,500 | 507 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4342% | 1,730 |
| Cost of funding earning assets | 0.6773% | 951 |
| Net interest margin | 3.7570% | 2,491 |
| Noninterest income to average assets | 0.5822% | 2,839 |
| Noninterest expense to average assets | 2.4164% | 4,493 |
| Loan and lease loss provision to assets | 0.3033% | 506 |
| Net operating income to assets | 0.9058% | 2,846 |
| Return on assets (ROA) | 0.9421% | 2,797 |
| Pretax return on assets | 1.4258% | 1,881 |
| Return on Equity (ROE) | 10.6784% | 1,786 |
| Retained earnings to average equity (ytd only) | 10.6784% | 551 |
| Net charge-offs to loans | 0.0970% | 2,044 |
| Credit loss provision to net charge-offs | 361.1111% | 810 |
| Earnings coverage of net charge-offs (x) | 19.9289% | 1,733 |
| Efficiency ratio | 59.0745% | 5,101 |
| Assets per employee ($millions) | 6.9360% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 3,113 |
| Loan loss allowance to noncurrent loans | 193.7210% | 2,289 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 2,845 |
| Noncurrent loans to loans | 0.6838% | 3,437 |
| Net loans and leases to total assets | 86.2340% | 230 |
| Net loans and leases to deposits | 107.1754% | 329 |
| Net loans and leases to core deposits | 129.1618% | 285 |
| Total domestic deposits to total assets | 80.4606% | 4,758 |
| Equity capital to assets | 8.7095% | 5,516 |
| Core capital (leverage) ratio | 9.0316% | 4,919 |
| Tier 1 risk-based capital ratio | 10.2895% | 5,997 |
| Total risk-based capital ratio | 11.5409% | 5,941 |
| Memoranda: | ||
| Average total assets | $1,071,425,330 | 662 |
| Average earning assets | $1,000,489,330 | 649 |
| Average equity | $94,527,000 | 819 |
| Average total loans | $927,758,000 | 511 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 1,681 |
| Cost of funding earning assets | 0.6735% | 982 |
| Net interest margin | 3.7499% | 2,435 |
| Noninterest income to average assets | 0.4291% | 3,768 |
| Noninterest expense to average assets | 2.4920% | 4,286 |
| Loan and lease loss provision to assets | 0.2384% | 714 |
| Net operating income to assets | 0.7956% | 3,283 |
| Return on assets (ROA) | 0.8608% | 3,073 |
| Pretax return on assets | 1.2971% | 2,303 |
| Return on Equity (ROE) | 9.6907% | 2,135 |
| Retained earnings to average equity (ytd only) | 9.6907% | 994 |
| Net charge-offs to loans | 0.0602% | 2,150 |
| Credit loss provision to net charge-offs | 459.5588% | 584 |
| Earnings coverage of net charge-offs (x) | 27.6985% | 1,198 |
| Efficiency ratio | 63.4307% | 4,566 |
| Assets per employee ($millions) | 6.7737% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 3,279 |
| Loan loss allowance to noncurrent loans | 187.6303% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8497% | 2,954 |
| Noncurrent loans to loans | 0.7059% | 3,507 |
| Net loans and leases to total assets | 85.2070% | 239 |
| Net loans and leases to deposits | 106.6587% | 291 |
| Net loans and leases to core deposits | 128.0226% | 269 |
| Total domestic deposits to total assets | 79.8875% | 5,076 |
| Equity capital to assets | 8.8716% | 5,423 |
| Core capital (leverage) ratio | 9.0410% | 4,901 |
| Tier 1 risk-based capital ratio | 10.5743% | 5,992 |
| Total risk-based capital ratio | 11.8257% | 5,919 |
| Memoranda: | ||
| Average total assets | $1,048,790,500 | 673 |
| Average earning assets | $978,791,000 | 651 |
| Average equity | $93,161,500 | 828 |
| Average total loans | $903,688,000 | 524 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 1,964 |
| Cost of funding earning assets | 0.7262% | 973 |
| Net interest margin | 3.7521% | 2,803 |
| Noninterest income to average assets | 0.4959% | 3,545 |
| Noninterest expense to average assets | 2.4480% | 4,711 |
| Loan and lease loss provision to assets | 0.4329% | 390 |
| Net operating income to assets | 0.7545% | 3,605 |
| Return on assets (ROA) | 0.7710% | 3,611 |
| Pretax return on assets | 1.1182% | 3,016 |
| Return on Equity (ROE) | 8.6982% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.2302% | 939 |
| Net charge-offs to loans | 0.3245% | 1,357 |
| Credit loss provision to net charge-offs | 158.3839% | 1,526 |
| Earnings coverage of net charge-offs (x) | 5.5873% | 3,393 |
| Efficiency ratio | 61.5808% | 4,975 |
| Assets per employee ($millions) | 6.6280% | 994 |
| Cash dividends to net income (ytd only)* | 5.3800% | 4,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3306% | 3,265 |
| Loan loss allowance to noncurrent loans | 176.7218% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.9692% | 2,821 |
| Noncurrent loans to loans | 0.7529% | 3,442 |
| Net loans and leases to total assets | 84.8271% | 289 |
| Net loans and leases to deposits | 109.6351% | 249 |
| Net loans and leases to core deposits | 129.4714% | 251 |
| Total domestic deposits to total assets | 77.3722% | 5,539 |
| Equity capital to assets | 8.8944% | 5,385 |
| Core capital (leverage) ratio | 9.0776% | 4,859 |
| Tier 1 risk-based capital ratio | 10.7108% | 6,022 |
| Total risk-based capital ratio | 11.9624% | 5,959 |
| Memoranda: | ||
| Average total assets | $964,344,200 | 699 |
| Average earning assets | $894,256,600 | 688 |
| Average equity | $85,477,400 | 864 |
| Average total loans | $812,278,400 | 543 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 1,973 |
| Cost of funding earning assets | 0.7387% | 949 |
| Net interest margin | 3.7329% | 2,886 |
| Noninterest income to average assets | 0.5219% | 3,394 |
| Noninterest expense to average assets | 2.4802% | 4,589 |
| Loan and lease loss provision to assets | 0.4603% | 332 |
| Net operating income to assets | 0.7156% | 3,862 |
| Return on assets (ROA) | 0.7379% | 3,844 |
| Pretax return on assets | 1.0700% | 3,299 |
| Return on Equity (ROE) | 8.3328% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.6980% | 1,495 |
| Net charge-offs to loans | 0.3663% | 1,093 |
| Credit loss provision to net charge-offs | 150.0229% | 1,579 |
| Earnings coverage of net charge-offs (x) | 4.8823% | 3,358 |
| Efficiency ratio | 62.3445% | 4,838 |
| Assets per employee ($millions) | 6.6131% | 961 |
| Cash dividends to net income (ytd only)* | 7.6190% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 3,436 |
| Loan loss allowance to noncurrent loans | 141.9869% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.1452% | 2,660 |
| Noncurrent loans to loans | 0.9455% | 3,200 |
| Net loans and leases to total assets | 82.6500% | 444 |
| Net loans and leases to deposits | 107.1639% | 287 |
| Net loans and leases to core deposits | 129.3778% | 237 |
| Total domestic deposits to total assets | 77.1249% | 5,656 |
| Equity capital to assets | 8.8403% | 5,515 |
| Core capital (leverage) ratio | 9.0915% | 4,939 |
| Tier 1 risk-based capital ratio | 10.9092% | 6,035 |
| Total risk-based capital ratio | 12.1609% | 5,987 |
| Memoranda: | ||
| Average total assets | $948,596,500 | 708 |
| Average earning assets | $878,324,750 | 698 |
| Average equity | $84,003,000 | 878 |
| Average total loans | $794,545,250 | 551 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4663% | 1,941 |
| Cost of funding earning assets | 0.7517% | 915 |
| Net interest margin | 3.7146% | 2,901 |
| Noninterest income to average assets | 0.4758% | 3,666 |
| Noninterest expense to average assets | 2.5308% | 4,482 |
| Loan and lease loss provision to assets | 0.4195% | 396 |
| Net operating income to assets | 0.6453% | 4,124 |
| Return on assets (ROA) | 0.6785% | 4,051 |
| Pretax return on assets | 1.0065% | 3,452 |
| Return on Equity (ROE) | 7.6569% | 3,287 |
| Retained earnings to average equity (ytd only) | 7.4141% | 1,561 |
| Net charge-offs to loans | 0.2723% | 1,455 |
| Credit loss provision to net charge-offs | 183.9623% | 1,252 |
| Earnings coverage of net charge-offs (x) | 6.0368% | 2,831 |
| Efficiency ratio | 64.7710% | 4,571 |
| Assets per employee ($millions) | 6.7006% | 923 |
| Cash dividends to net income (ytd only)* | 3.1706% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3540% | 3,568 |
| Loan loss allowance to noncurrent loans | 90.3050% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.4066% | 2,327 |
| Noncurrent loans to loans | 1.4994% | 2,320 |
| Net loans and leases to total assets | 83.8357% | 309 |
| Net loans and leases to deposits | 107.9267% | 250 |
| Net loans and leases to core deposits | 129.1386% | 240 |
| Total domestic deposits to total assets | 77.6784% | 5,692 |
| Equity capital to assets | 9.0252% | 5,270 |
| Core capital (leverage) ratio | 9.2607% | 4,649 |
| Tier 1 risk-based capital ratio | 10.9320% | 6,075 |
| Total risk-based capital ratio | 12.1838% | 6,021 |
| Memoranda: | ||
| Average total assets | $929,732,330 | 719 |
| Average earning assets | $858,876,000 | 710 |
| Average equity | $82,383,330 | 890 |
| Average total loans | $778,695,670 | 561 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 1,945 |
| Cost of funding earning assets | 0.7641% | 908 |
| Net interest margin | 3.6904% | 2,902 |
| Noninterest income to average assets | 0.4140% | 4,076 |
| Noninterest expense to average assets | 2.4584% | 4,769 |
| Loan and lease loss provision to assets | 0.4385% | 364 |
| Net operating income to assets | 0.6218% | 4,091 |
| Return on assets (ROA) | 0.6218% | 4,172 |
| Pretax return on assets | 0.9205% | 3,623 |
| Return on Equity (ROE) | 7.0870% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.0870% | 1,993 |
| Net charge-offs to loans | 0.2638% | 1,283 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 6.1980% | 2,258 |
| Efficiency ratio | 64.3998% | 4,801 |
| Assets per employee ($millions) | 6.6785% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3756% | 3,716 |
| Loan loss allowance to noncurrent loans | 121.0098% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 1.0696% | 3,120 |
| Noncurrent loans to loans | 1.1368% | 3,147 |
| Net loans and leases to total assets | 82.1489% | 346 |
| Net loans and leases to deposits | 105.7868% | 240 |
| Net loans and leases to core deposits | 125.3783% | 235 |
| Total domestic deposits to total assets | 77.6552% | 5,878 |
| Equity capital to assets | 8.7570% | 5,383 |
| Core capital (leverage) ratio | 9.1652% | 4,771 |
| Tier 1 risk-based capital ratio | 10.7194% | 6,269 |
| Total risk-based capital ratio | 11.9712% | 6,226 |
| Memoranda: | ||
| Average total assets | $912,155,500 | 743 |
| Average earning assets | $841,218,000 | 735 |
| Average equity | $80,033,500 | 913 |
| Average total loans | $758,032,500 | 577 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 1,635 |
| Cost of funding earning assets | 0.8625% | 897 |
| Net interest margin | 3.8129% | 2,606 |
| Noninterest income to average assets | 0.4200% | 4,298 |
| Noninterest expense to average assets | 2.5186% | 4,710 |
| Loan and lease loss provision to assets | 0.4145% | 715 |
| Net operating income to assets | 0.6839% | 3,881 |
| Return on assets (ROA) | 0.6839% | 3,972 |
| Pretax return on assets | 1.0098% | 3,314 |
| Return on Equity (ROE) | 7.4325% | 3,342 |
| Retained earnings to average equity (ytd only) | 4.9697% | 2,614 |
| Net charge-offs to loans | 0.3416% | 1,970 |
| Credit loss provision to net charge-offs | 147.6838% | 1,572 |
| Earnings coverage of net charge-offs (x) | 5.0748% | 3,390 |
| Efficiency ratio | 63.8775% | 4,919 |
| Assets per employee ($millions) | 6.4443% | 1,012 |
| Cash dividends to net income (ytd only)* | 33.1357% | 3,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 3,721 |
| Loan loss allowance to noncurrent loans | 122.5021% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 3,266 |
| Noncurrent loans to loans | 1.1308% | 3,282 |
| Net loans and leases to total assets | 81.7539% | 431 |
| Net loans and leases to deposits | 106.4005% | 248 |
| Net loans and leases to core deposits | 134.2895% | 163 |
| Total domestic deposits to total assets | 76.8360% | 5,999 |
| Equity capital to assets | 8.7921% | 5,269 |
| Core capital (leverage) ratio | 9.0928% | 4,867 |
| Tier 1 risk-based capital ratio | 10.8991% | 6,222 |
| Total risk-based capital ratio | 12.1511% | 6,167 |
| Memoranda: | ||
| Average total assets | $838,401,600 | 793 |
| Average earning assets | $774,631,800 | 778 |
| Average equity | $77,147,200 | 923 |
| Average total loans | $688,795,000 | 607 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6892% | 1,624 |
| Cost of funding earning assets | 0.8859% | 876 |
| Net interest margin | 3.8033% | 2,630 |
| Noninterest income to average assets | 0.4370% | 4,249 |
| Noninterest expense to average assets | 2.5270% | 4,634 |
| Loan and lease loss provision to assets | 0.4279% | 679 |
| Net operating income to assets | 0.6663% | 4,033 |
| Return on assets (ROA) | 0.6663% | 4,171 |
| Pretax return on assets | 0.9963% | 3,517 |
| Return on Equity (ROE) | 7.1550% | 3,557 |
| Retained earnings to average equity (ytd only) | 4.2070% | 3,692 |
| Net charge-offs to loans | 0.3793% | 1,688 |
| Credit loss provision to net charge-offs | 137.6623% | 1,703 |
| Earnings coverage of net charge-offs (x) | 4.5818% | 3,403 |
| Efficiency ratio | 63.9544% | 4,803 |
| Assets per employee ($millions) | 6.2354% | 1,089 |
| Cash dividends to net income (ytd only)* | 41.2021% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 3,954 |
| Loan loss allowance to noncurrent loans | 115.5367% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 3,282 |
| Noncurrent loans to loans | 1.1999% | 3,420 |
| Net loans and leases to total assets | 82.3352% | 343 |
| Net loans and leases to deposits | 114.5285% | 110 |
| Net loans and leases to core deposits | 131.5437% | 174 |
| Total domestic deposits to total assets | 71.8906% | 6,503 |
| Equity capital to assets | 9.1201% | 5,026 |
| Core capital (leverage) ratio | 9.3000% | 4,693 |
| Tier 1 risk-based capital ratio | 11.1695% | 6,208 |
| Total risk-based capital ratio | 12.4214% | 6,175 |
| Memoranda: | ||
| Average total assets | $825,672,000 | 807 |
| Average earning assets | $762,932,250 | 792 |
| Average equity | $76,886,500 | 939 |
| Average total loans | $676,677,000 | 621 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 1,612 |
| Cost of funding earning assets | 0.9088% | 858 |
| Net interest margin | 3.7757% | 2,654 |
| Noninterest income to average assets | 0.4170% | 4,399 |
| Noninterest expense to average assets | 2.5142% | 4,673 |
| Loan and lease loss provision to assets | 0.4583% | 629 |
| Net operating income to assets | 0.6255% | 4,177 |
| Return on assets (ROA) | 0.6255% | 4,334 |
| Pretax return on assets | 0.9318% | 3,772 |
| Return on Equity (ROE) | 6.6697% | 3,792 |
| Retained earnings to average equity (ytd only) | 3.0208% | 4,398 |
| Net charge-offs to loans | 0.4218% | 1,530 |
| Credit loss provision to net charge-offs | 133.4520% | 1,699 |
| Earnings coverage of net charge-offs (x) | 4.0477% | 3,229 |
| Efficiency ratio | 64.3962% | 4,813 |
| Assets per employee ($millions) | 6.2953% | 1,016 |
| Cash dividends to net income (ytd only)* | 54.7089% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3907% | 4,077 |
| Loan loss allowance to noncurrent loans | 172.4567% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 4,184 |
| Noncurrent loans to loans | 0.8064% | 4,297 |
| Net loans and leases to total assets | 80.9675% | 443 |
| Net loans and leases to deposits | 106.9440% | 201 |
| Net loans and leases to core deposits | 121.9914% | 288 |
| Total domestic deposits to total assets | 75.7103% | 6,279 |
| Equity capital to assets | 9.1056% | 5,097 |
| Core capital (leverage) ratio | 9.2911% | 4,557 |
| Tier 1 risk-based capital ratio | 11.2579% | 6,222 |
| Total risk-based capital ratio | 12.5097% | 6,186 |
| Memoranda: | ||
| Average total assets | $818,223,330 | 816 |
| Average earning assets | $755,720,000 | 800 |
| Average equity | $76,735,330 | 942 |
| Average total loans | $666,225,000 | 627 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 1,565 |
| Cost of funding earning assets | 0.9415% | 814 |
| Net interest margin | 3.7487% | 2,668 |
| Noninterest income to average assets | 0.4185% | 4,321 |
| Noninterest expense to average assets | 2.5181% | 4,693 |
| Loan and lease loss provision to assets | 0.5565% | 473 |
| Net operating income to assets | 0.5490% | 4,459 |
| Return on assets (ROA) | 0.5490% | 4,613 |
| Pretax return on assets | 0.8062% | 4,149 |
| Return on Equity (ROE) | 5.7675% | 4,167 |
| Retained earnings to average equity (ytd only) | 2.1303% | 4,938 |
| Net charge-offs to loans | 0.5174% | 1,161 |
| Credit loss provision to net charge-offs | 132.6651% | 1,492 |
| Earnings coverage of net charge-offs (x) | 3.2488% | 2,810 |
| Efficiency ratio | 64.8866% | 4,843 |
| Assets per employee ($millions) | 6.2600% | 1,100 |
| Cash dividends to net income (ytd only)* | 63.0631% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4081% | 4,188 |
| Loan loss allowance to noncurrent loans | 148.4704% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0769% | 3,777 |
| Noncurrent loans to loans | 0.9484% | 4,244 |
| Net loans and leases to total assets | 79.9787% | 427 |
| Net loans and leases to deposits | 106.4378% | 189 |
| Net loans and leases to core deposits | 119.2001% | 296 |
| Total domestic deposits to total assets | 75.1412% | 6,443 |
| Equity capital to assets | 9.3999% | 5,001 |
| Core capital (leverage) ratio | 9.4182% | 4,214 |
| Tier 1 risk-based capital ratio | 11.4562% | 6,206 |
| Total risk-based capital ratio | 12.7094% | 6,182 |
| Memoranda: | ||
| Average total assets | $808,697,500 | 828 |
| Average earning assets | $746,919,500 | 821 |
| Average equity | $76,983,500 | 949 |
| Average total loans | $655,596,500 | 638 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8827% | 1,898 |
| Cost of funding earning assets | 1.1641% | 680 |
| Net interest margin | 3.7186% | 3,565 |
| Noninterest income to average assets | 0.3046% | 5,264 |
| Noninterest expense to average assets | 2.3563% | 5,542 |
| Loan and lease loss provision to assets | 0.5881% | 943 |
| Net operating income to assets | 0.5311% | 4,560 |
| Return on assets (ROA) | 0.5630% | 4,672 |
| Pretax return on assets | 0.8327% | 4,173 |
| Return on Equity (ROE) | 5.7696% | 4,272 |
| Retained earnings to average equity (ytd only) | 4.5775% | 3,001 |
| Net charge-offs to loans | 0.7050% | 1,679 |
| Credit loss provision to net charge-offs | 103.7865% | 2,883 |
| Earnings coverage of net charge-offs (x) | 2.4247% | 4,199 |
| Efficiency ratio | 63.1683% | 5,044 |
| Assets per employee ($millions) | 6.3786% | 1,056 |
| Cash dividends to net income (ytd only)* | 20.6612% | 3,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 4,137 |
| Loan loss allowance to noncurrent loans | 111.3138% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 1.2399% | 3,579 |
| Noncurrent loans to loans | 1.2643% | 3,719 |
| Net loans and leases to total assets | 79.8738% | 486 |
| Net loans and leases to deposits | 109.8268% | 157 |
| Net loans and leases to core deposits | 120.6285% | 272 |
| Total domestic deposits to total assets | 72.7271% | 6,642 |
| Equity capital to assets | 9.6424% | 4,674 |
| Core capital (leverage) ratio | 9.6155% | 3,940 |
| Tier 1 risk-based capital ratio | 11.7604% | 5,926 |
| Total risk-based capital ratio | 13.0123% | 5,893 |
| Memoranda: | ||
| Average total assets | $773,704,800 | 854 |
| Average earning assets | $712,738,400 | 844 |
| Average equity | $75,499,000 | 938 |
| Average total loans | $621,808,200 | 665 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 2,062 |
| Cost of funding earning assets | 1.1993% | 691 |
| Net interest margin | 3.6867% | 3,851 |
| Noninterest income to average assets | 0.2976% | 5,395 |
| Noninterest expense to average assets | 2.3426% | 5,567 |
| Loan and lease loss provision to assets | 0.6251% | 853 |
| Net operating income to assets | 0.4934% | 4,870 |
| Return on assets (ROA) | 0.5362% | 4,950 |
| Pretax return on assets | 0.7927% | 4,516 |
| Return on Equity (ROE) | 5.4784% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.5027% | 3,727 |
| Net charge-offs to loans | 0.7083% | 1,563 |
| Credit loss provision to net charge-offs | 110.0581% | 2,669 |
| Earnings coverage of net charge-offs (x) | 2.3852% | 4,084 |
| Efficiency ratio | 63.3571% | 4,914 |
| Assets per employee ($millions) | 6.4882% | 959 |
| Cash dividends to net income (ytd only)* | 17.8110% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 4,151 |
| Loan loss allowance to noncurrent loans | 100.4777% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 1.4367% | 3,447 |
| Noncurrent loans to loans | 1.4443% | 3,639 |
| Net loans and leases to total assets | 80.7110% | 453 |
| Net loans and leases to deposits | 109.1603% | 174 |
| Net loans and leases to core deposits | 119.4300% | 325 |
| Total domestic deposits to total assets | 73.9380% | 6,610 |
| Equity capital to assets | 9.7855% | 4,802 |
| Core capital (leverage) ratio | 9.7598% | 3,857 |
| Tier 1 risk-based capital ratio | 11.8029% | 6,054 |
| Total risk-based capital ratio | 13.0555% | 6,033 |
| Memoranda: | ||
| Average total assets | $767,798,500 | 869 |
| Average earning assets | $708,041,250 | 857 |
| Average equity | $75,153,250 | 940 |
| Average total loans | $615,773,000 | 670 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 2,234 |
| Cost of funding earning assets | 1.2486% | 654 |
| Net interest margin | 3.6199% | 4,182 |
| Noninterest income to average assets | 0.2656% | 5,673 |
| Noninterest expense to average assets | 2.3086% | 5,709 |
| Loan and lease loss provision to assets | 0.6477% | 881 |
| Net operating income to assets | 0.4413% | 5,072 |
| Return on assets (ROA) | 0.4535% | 5,260 |
| Pretax return on assets | 0.6611% | 4,943 |
| Return on Equity (ROE) | 4.6332% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.1628% | 4,514 |
| Net charge-offs to loans | 0.7458% | 1,479 |
| Credit loss provision to net charge-offs | 109.0789% | 2,496 |
| Earnings coverage of net charge-offs (x) | 2.1741% | 3,895 |
| Efficiency ratio | 64.1341% | 4,880 |
| Assets per employee ($millions) | 6.5337% | 936 |
| Cash dividends to net income (ytd only)* | 31.7369% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 4,135 |
| Loan loss allowance to noncurrent loans | 88.0776% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.7050% | 3,164 |
| Noncurrent loans to loans | 1.6751% | 3,382 |
| Net loans and leases to total assets | 80.4506% | 458 |
| Net loans and leases to deposits | 109.6368% | 153 |
| Net loans and leases to core deposits | 119.9059% | 314 |
| Total domestic deposits to total assets | 73.3792% | 6,721 |
| Equity capital to assets | 9.9781% | 4,365 |
| Core capital (leverage) ratio | 9.7686% | 3,757 |
| Tier 1 risk-based capital ratio | 12.0161% | 5,919 |
| Total risk-based capital ratio | 13.2689% | 5,897 |
| Memoranda: | ||
| Average total assets | $764,202,330 | 870 |
| Average earning assets | $703,831,670 | 858 |
| Average equity | $74,808,000 | 938 |
| Average total loans | $608,477,670 | 678 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 2,379 |
| Cost of funding earning assets | 1.3216% | 579 |
| Net interest margin | 3.5425% | 4,517 |
| Noninterest income to average assets | 0.2403% | 5,909 |
| Noninterest expense to average assets | 2.3040% | 5,759 |
| Loan and lease loss provision to assets | 0.6255% | 893 |
| Net operating income to assets | 0.3932% | 5,285 |
| Return on assets (ROA) | 0.4191% | 5,366 |
| Pretax return on assets | 0.6068% | 5,091 |
| Return on Equity (ROE) | 4.3226% | 5,129 |
| Retained earnings to average equity (ytd only) | 2.9785% | 4,766 |
| Net charge-offs to loans | 0.6160% | 1,555 |
| Credit loss provision to net charge-offs | 129.1712% | 1,880 |
| Earnings coverage of net charge-offs (x) | 2.4672% | 3,186 |
| Efficiency ratio | 65.8522% | 4,583 |
| Assets per employee ($millions) | 6.7402% | 863 |
| Cash dividends to net income (ytd only)* | 31.0945% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5127% | 4,092 |
| Loan loss allowance to noncurrent loans | 91.5571% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 1.7930% | 3,184 |
| Noncurrent loans to loans | 1.6522% | 3,622 |
| Net loans and leases to total assets | 77.9204% | 598 |
| Net loans and leases to deposits | 105.4054% | 219 |
| Net loans and leases to core deposits | 118.8478% | 328 |
| Total domestic deposits to total assets | 73.9245% | 6,754 |
| Equity capital to assets | 9.7095% | 4,507 |
| Core capital (leverage) ratio | 9.6186% | 3,891 |
| Tier 1 risk-based capital ratio | 11.8989% | 6,028 |
| Total risk-based capital ratio | 13.1518% | 6,016 |
| Memoranda: | ||
| Average total assets | $767,348,500 | 870 |
| Average earning assets | $705,824,000 | 855 |
| Average equity | $74,399,500 | 933 |
| Average total loans | $603,279,500 | 686 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 2,453 |
| Cost of funding earning assets | 1.6651% | 369 |
| Net interest margin | 3.4362% | 5,378 |
| Noninterest income to average assets | 0.2289% | 5,894 |
| Noninterest expense to average assets | 2.2056% | 6,255 |
| Loan and lease loss provision to assets | 0.6981% | 1,467 |
| Net operating income to assets | 0.3316% | 5,143 |
| Return on assets (ROA) | 0.3314% | 5,296 |
| Pretax return on assets | 0.4698% | 5,076 |
| Return on Equity (ROE) | 3.4561% | 5,093 |
| Retained earnings to average equity (ytd only) | 2.6964% | 4,314 |
| Net charge-offs to loans | 0.8102% | 2,125 |
| Credit loss provision to net charge-offs | 111.3929% | 2,987 |
| Earnings coverage of net charge-offs (x) | 1.8641% | 4,375 |
| Efficiency ratio | 65.3750% | 4,884 |
| Assets per employee ($millions) | 6.9037% | 772 |
| Cash dividends to net income (ytd only)* | 21.9824% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4909% | 4,069 |
| Loan loss allowance to noncurrent loans | 86.9544% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 1.8204% | 3,227 |
| Noncurrent loans to loans | 1.7146% | 3,589 |
| Net loans and leases to total assets | 76.9542% | 832 |
| Net loans and leases to deposits | 104.3168% | 301 |
| Net loans and leases to core deposits | 119.7274% | 361 |
| Total domestic deposits to total assets | 73.7697% | 6,737 |
| Equity capital to assets | 9.6818% | 4,625 |
| Core capital (leverage) ratio | 9.4633% | 4,087 |
| Tier 1 risk-based capital ratio | 11.8473% | 5,934 |
| Total risk-based capital ratio | 13.0997% | 5,913 |
| Memoranda: | ||
| Average total assets | $754,950,400 | 871 |
| Average earning assets | $690,946,000 | 874 |
| Average equity | $72,393,000 | 933 |
| Average total loans | $583,923,200 | 719 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 2,486 |
| Cost of funding earning assets | 1.7282% | 351 |
| Net interest margin | 3.3980% | 5,581 |
| Noninterest income to average assets | 0.1370% | 6,564 |
| Noninterest expense to average assets | 2.2009% | 6,277 |
| Loan and lease loss provision to assets | 0.5398% | 1,825 |
| Net operating income to assets | 0.3474% | 5,213 |
| Return on assets (ROA) | 0.3462% | 5,403 |
| Pretax return on assets | 0.4992% | 5,163 |
| Return on Equity (ROE) | 3.6194% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.1561% | 4,453 |
| Net charge-offs to loans | 0.6158% | 2,403 |
| Credit loss provision to net charge-offs | 113.6194% | 2,876 |
| Earnings coverage of net charge-offs (x) | 2.1907% | 4,030 |
| Efficiency ratio | 67.8935% | 4,343 |
| Assets per employee ($millions) | 6.9411% | 757 |
| Cash dividends to net income (ytd only)* | 12.8010% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4806% | 4,200 |
| Loan loss allowance to noncurrent loans | 94.9441% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6494% | 3,614 |
| Noncurrent loans to loans | 1.5594% | 3,951 |
| Net loans and leases to total assets | 76.9649% | 837 |
| Net loans and leases to deposits | 104.6908% | 296 |
| Net loans and leases to core deposits | 120.7764% | 366 |
| Total domestic deposits to total assets | 73.5164% | 6,813 |
| Equity capital to assets | 9.7241% | 4,740 |
| Core capital (leverage) ratio | 9.6881% | 3,869 |
| Tier 1 risk-based capital ratio | 11.9747% | 5,912 |
| Total risk-based capital ratio | 13.2271% | 5,896 |
| Memoranda: | ||
| Average total assets | $752,110,000 | 882 |
| Average earning assets | $687,169,000 | 878 |
| Average equity | $71,943,000 | 943 |
| Average total loans | $580,245,500 | 737 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1273% | 2,555 |
| Cost of funding earning assets | 1.7876% | 326 |
| Net interest margin | 3.3397% | 5,742 |
| Noninterest income to average assets | 0.0288% | 7,122 |
| Noninterest expense to average assets | 2.1707% | 6,452 |
| Loan and lease loss provision to assets | 0.3664% | 2,600 |
| Net operating income to assets | 0.3691% | 5,089 |
| Return on assets (ROA) | 0.3645% | 5,247 |
| Pretax return on assets | 0.5294% | 4,970 |
| Return on Equity (ROE) | 3.8319% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.8319% | 3,770 |
| Net charge-offs to loans | 0.3614% | 3,110 |
| Credit loss provision to net charge-offs | 131.9578% | 2,313 |
| Earnings coverage of net charge-offs (x) | 3.2505% | 3,243 |
| Efficiency ratio | 70.6346% | 4,003 |
| Assets per employee ($millions) | 7.0058% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5085% | 4,091 |
| Loan loss allowance to noncurrent loans | 85.4720% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.7360% | 3,599 |
| Noncurrent loans to loans | 1.7649% | 3,803 |
| Net loans and leases to total assets | 75.2364% | 1,196 |
| Net loans and leases to deposits | 102.0377% | 389 |
| Net loans and leases to core deposits | 118.5049% | 457 |
| Total domestic deposits to total assets | 73.7340% | 6,867 |
| Equity capital to assets | 9.5764% | 4,696 |
| Core capital (leverage) ratio | 9.5853% | 3,834 |
| Tier 1 risk-based capital ratio | 12.1094% | 5,702 |
| Total risk-based capital ratio | 13.3619% | 5,668 |
| Memoranda: | ||
| Average total assets | $750,618,670 | 891 |
| Average earning assets | $684,260,670 | 891 |
| Average equity | $71,400,330 | 951 |
| Average total loans | $576,642,330 | 751 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1116% | 2,592 |
| Cost of funding earning assets | 1.8472% | 319 |
| Net interest margin | 3.2644% | 5,893 |
| Noninterest income to average assets | 0.0209% | 7,242 |
| Noninterest expense to average assets | 2.0909% | 6,655 |
| Loan and lease loss provision to assets | 0.3879% | 2,244 |
| Net operating income to assets | 0.3414% | 5,216 |
| Return on assets (ROA) | 0.3414% | 5,296 |
| Pretax return on assets | 0.4912% | 5,055 |
| Return on Equity (ROE) | 3.6009% | 5,095 |
| Retained earnings to average equity (ytd only) | 3.6009% | 4,022 |
| Net charge-offs to loans | 0.5028% | 2,219 |
| Credit loss provision to net charge-offs | 100.1381% | 2,645 |
| Earnings coverage of net charge-offs (x) | 2.2693% | 3,178 |
| Efficiency ratio | 70.4017% | 4,179 |
| Assets per employee ($millions) | 7.2339% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 4,450 |
| Loan loss allowance to noncurrent loans | 76.5447% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.9524% | 3,371 |
| Noncurrent loans to loans | 1.8906% | 3,708 |
| Net loans and leases to total assets | 75.1967% | 1,148 |
| Net loans and leases to deposits | 101.5161% | 401 |
| Net loans and leases to core deposits | 124.3384% | 334 |
| Total domestic deposits to total assets | 74.0737% | 6,890 |
| Equity capital to assets | 9.3801% | 4,605 |
| Core capital (leverage) ratio | 9.7359% | 3,480 |
| Tier 1 risk-based capital ratio | 11.8424% | 5,823 |
| Total risk-based capital ratio | 13.0939% | 5,827 |
| Memoranda: | ||
| Average total assets | $747,612,500 | 897 |
| Average earning assets | $675,410,000 | 904 |
| Average equity | $70,871,500 | 949 |
| Average total loans | $575,973,000 | 760 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3295% | 2,978 |
| Cost of funding earning assets | 2.2254% | 278 |
| Net interest margin | 3.1042% | 6,512 |
| Noninterest income to average assets | 0.1517% | 6,633 |
| Noninterest expense to average assets | 2.1266% | 6,780 |
| Loan and lease loss provision to assets | 0.7625% | 2,150 |
| Net operating income to assets | 0.0631% | 5,669 |
| Return on assets (ROA) | 0.1825% | 5,498 |
| Pretax return on assets | 0.2405% | 5,377 |
| Return on Equity (ROE) | 1.9007% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.9007% | 4,535 |
| Net charge-offs to loans | 0.8620% | 2,475 |
| Credit loss provision to net charge-offs | 112.5602% | 3,877 |
| Earnings coverage of net charge-offs (x) | 1.2486% | 4,853 |
| Efficiency ratio | 71.5429% | 3,881 |
| Assets per employee ($millions) | 7.0737% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 4,214 |
| Loan loss allowance to noncurrent loans | 89.9110% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 2.0330% | 3,309 |
| Noncurrent loans to loans | 1.6295% | 4,060 |
| Net loans and leases to total assets | 76.6666% | 1,147 |
| Net loans and leases to deposits | 104.6654% | 376 |
| Net loans and leases to core deposits | 131.4506% | 313 |
| Total domestic deposits to total assets | 73.2492% | 6,974 |
| Equity capital to assets | 9.5825% | 4,295 |
| Core capital (leverage) ratio | 9.5793% | 3,590 |
| Tier 1 risk-based capital ratio | 11.9520% | 5,521 |
| Total risk-based capital ratio | 13.2039% | 5,496 |
| Memoranda: | ||
| Average total assets | $735,689,600 | 914 |
| Average earning assets | $668,518,600 | 914 |
| Average equity | $70,659,200 | 954 |
| Average total loans | $578,219,400 | 773 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 3,108 |
| Cost of funding earning assets | 2.2963% | 279 |
| Net interest margin | 3.0559% | 6,716 |
| Noninterest income to average assets | 0.1923% | 6,510 |
| Noninterest expense to average assets | 2.0901% | 6,865 |
| Loan and lease loss provision to assets | 0.9016% | 1,684 |
| Net operating income to assets | -0.0164% | 6,023 |
| Return on assets (ROA) | 0.1457% | 5,807 |
| Pretax return on assets | 0.1809% | 5,772 |
| Return on Equity (ROE) | 1.5162% | 5,762 |
| Retained earnings to average equity (ytd only) | 1.5162% | 5,194 |
| Net charge-offs to loans | 0.9946% | 2,012 |
| Credit loss provision to net charge-offs | 115.0555% | 3,632 |
| Earnings coverage of net charge-offs (x) | 1.1260% | 4,924 |
| Efficiency ratio | 70.3146% | 4,004 |
| Assets per employee ($millions) | 7.0048% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 4,200 |
| Loan loss allowance to noncurrent loans | 81.2578% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 2.2471% | 3,140 |
| Noncurrent loans to loans | 1.7851% | 3,969 |
| Net loans and leases to total assets | 76.9602% | 1,227 |
| Net loans and leases to deposits | 104.8922% | 402 |
| Net loans and leases to core deposits | 132.8395% | 338 |
| Total domestic deposits to total assets | 73.3707% | 6,999 |
| Equity capital to assets | 9.5801% | 4,730 |
| Core capital (leverage) ratio | 9.5267% | 3,864 |
| Tier 1 risk-based capital ratio | 11.6571% | 5,777 |
| Total risk-based capital ratio | 12.9088% | 5,757 |
| Memoranda: | ||
| Average total assets | $735,696,750 | 919 |
| Average earning assets | $669,340,000 | 917 |
| Average equity | $70,700,250 | 953 |
| Average total loans | $579,676,250 | 778 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 3,248 |
| Cost of funding earning assets | 2.3564% | 280 |
| Net interest margin | 2.9862% | 6,859 |
| Noninterest income to average assets | 0.2716% | 5,979 |
| Noninterest expense to average assets | 2.1818% | 6,690 |
| Loan and lease loss provision to assets | 1.0090% | 1,441 |
| Net operating income to assets | -0.1834% | 6,336 |
| Return on assets (ROA) | 0.0965% | 5,991 |
| Pretax return on assets | 0.1034% | 5,973 |
| Return on Equity (ROE) | 1.0035% | 5,957 |
| Retained earnings to average equity (ytd only) | 1.0035% | 5,367 |
| Net charge-offs to loans | 1.0721% | 1,754 |
| Credit loss provision to net charge-offs | 119.0859% | 3,414 |
| Earnings coverage of net charge-offs (x) | 0.9575% | 4,823 |
| Efficiency ratio | 72.8954% | 3,675 |
| Assets per employee ($millions) | 6.7899% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4382% | 4,245 |
| Loan loss allowance to noncurrent loans | 67.5182% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 2.4105% | 2,982 |
| Noncurrent loans to loans | 2.1302% | 3,552 |
| Net loans and leases to total assets | 77.3345% | 1,227 |
| Net loans and leases to deposits | 105.5653% | 414 |
| Net loans and leases to core deposits | 137.9408% | 306 |
| Total domestic deposits to total assets | 73.2575% | 7,067 |
| Equity capital to assets | 9.5499% | 4,633 |
| Core capital (leverage) ratio | 9.3557% | 4,031 |
| Tier 1 risk-based capital ratio | 11.5434% | 5,721 |
| Total risk-based capital ratio | 12.7949% | 5,696 |
| Memoranda: | ||
| Average total assets | $733,425,670 | 927 |
| Average earning assets | $668,405,000 | 920 |
| Average equity | $70,556,000 | 952 |
| Average total loans | $579,619,000 | 784 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3339% | 3,373 |
| Cost of funding earning assets | 2.3720% | 333 |
| Net interest margin | 2.9619% | 6,915 |
| Noninterest income to average assets | 0.2865% | 5,851 |
| Noninterest expense to average assets | 2.1636% | 6,772 |
| Loan and lease loss provision to assets | 0.7670% | 1,654 |
| Net operating income to assets | 0.0674% | 6,110 |
| Return on assets (ROA) | 0.0762% | 6,200 |
| Pretax return on assets | 0.0690% | 6,208 |
| Return on Equity (ROE) | 0.7887% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.7887% | 5,504 |
| Net charge-offs to loans | 0.8448% | 1,847 |
| Credit loss provision to net charge-offs | 114.4726% | 3,037 |
| Earnings coverage of net charge-offs (x) | 1.2347% | 4,025 |
| Efficiency ratio | 72.3393% | 3,869 |
| Assets per employee ($millions) | 6.9987% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3594% | 4,631 |
| Loan loss allowance to noncurrent loans | 61.7617% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 2.2187% | 3,253 |
| Noncurrent loans to loans | 2.2010% | 3,524 |
| Net loans and leases to total assets | 77.6344% | 1,215 |
| Net loans and leases to deposits | 109.7778% | 297 |
| Net loans and leases to core deposits | 149.3650% | 247 |
| Total domestic deposits to total assets | 70.7195% | 7,364 |
| Equity capital to assets | 9.5230% | 4,500 |
| Core capital (leverage) ratio | 9.5633% | 3,684 |
| Tier 1 risk-based capital ratio | 11.4409% | 5,728 |
| Total risk-based capital ratio | 12.6915% | 5,703 |
| Memoranda: | ||
| Average total assets | $730,087,000 | 944 |
| Average earning assets | $666,598,500 | 949 |
| Average equity | $70,494,500 | 942 |
| Average total loans | $579,075,000 | 802 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5029% | 4,128 |
| Cost of funding earning assets | 2.4826% | 1,061 |
| Net interest margin | 3.0203% | 6,594 |
| Noninterest income to average assets | 0.2360% | 6,413 |
| Noninterest expense to average assets | 2.0793% | 7,230 |
| Loan and lease loss provision to assets | 0.6000% | 3,395 |
| Net operating income to assets | 0.2525% | 4,715 |
| Return on assets (ROA) | 0.2569% | 4,778 |
| Pretax return on assets | 0.3352% | 4,674 |
| Return on Equity (ROE) | 2.6709% | 4,638 |
| Retained earnings to average equity (ytd only) | 2.6709% | 3,283 |
| Net charge-offs to loans | 0.6247% | 3,335 |
| Credit loss provision to net charge-offs | 121.2036% | 4,396 |
| Earnings coverage of net charge-offs (x) | 1.8777% | 4,318 |
| Efficiency ratio | 69.1051% | 4,805 |
| Assets per employee ($millions) | 6.9739% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 4,473 |
| Loan loss allowance to noncurrent loans | 66.0932% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.1502% | 3,202 |
| Noncurrent loans to loans | 2.0445% | 3,596 |
| Net loans and leases to total assets | 78.8673% | 1,211 |
| Net loans and leases to deposits | 113.0547% | 287 |
| Net loans and leases to core deposits | 141.2487% | 765 |
| Total domestic deposits to total assets | 69.7603% | 7,444 |
| Equity capital to assets | 9.7926% | 4,014 |
| Core capital (leverage) ratio | 9.6262% | 3,553 |
| Tier 1 risk-based capital ratio | 11.5910% | 5,303 |
| Total risk-based capital ratio | 12.8414% | 5,262 |
| Memoranda: | ||
| Average total assets | $718,279,800 | 947 |
| Average earning assets | $659,436,400 | 940 |
| Average equity | $69,079,000 | 952 |
| Average total loans | $569,276,200 | 838 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4866% | 4,489 |
| Cost of funding earning assets | 2.5046% | 1,285 |
| Net interest margin | 2.9821% | 6,650 |
| Noninterest income to average assets | 0.2500% | 6,453 |
| Noninterest expense to average assets | 2.0617% | 7,264 |
| Loan and lease loss provision to assets | 0.5216% | 3,299 |
| Net operating income to assets | 0.2926% | 4,815 |
| Return on assets (ROA) | 0.2972% | 4,903 |
| Pretax return on assets | 0.4149% | 4,760 |
| Return on Equity (ROE) | 3.1043% | 4,744 |
| Retained earnings to average equity (ytd only) | 3.1043% | 3,587 |
| Net charge-offs to loans | 0.4460% | 3,446 |
| Credit loss provision to net charge-offs | 147.8947% | 3,271 |
| Earnings coverage of net charge-offs (x) | 2.6374% | 3,902 |
| Efficiency ratio | 68.9105% | 4,806 |
| Assets per employee ($millions) | 7.2455% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 4,004 |
| Loan loss allowance to noncurrent loans | 80.1539% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.9089% | 3,482 |
| Noncurrent loans to loans | 1.7336% | 4,035 |
| Net loans and leases to total assets | 76.7662% | 1,831 |
| Net loans and leases to deposits | 111.8371% | 399 |
| Net loans and leases to core deposits | 134.0640% | 1,203 |
| Total domestic deposits to total assets | 68.6411% | 7,522 |
| Equity capital to assets | 9.6485% | 4,555 |
| Core capital (leverage) ratio | 9.5704% | 3,824 |
| Tier 1 risk-based capital ratio | 11.6675% | 5,278 |
| Total risk-based capital ratio | 12.9184% | 5,222 |
| Memoranda: | ||
| Average total assets | $718,273,000 | 960 |
| Average earning assets | $660,423,750 | 948 |
| Average equity | $68,763,500 | 970 |
| Average total loans | $568,028,000 | 859 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4890% | 4,696 |
| Cost of funding earning assets | 2.5249% | 1,529 |
| Net interest margin | 2.9641% | 6,645 |
| Noninterest income to average assets | 0.2460% | 6,527 |
| Noninterest expense to average assets | 2.0550% | 7,365 |
| Loan and lease loss provision to assets | 0.4834% | 3,111 |
| Net operating income to assets | 0.3032% | 4,884 |
| Return on assets (ROA) | 0.3032% | 4,996 |
| Pretax return on assets | 0.4363% | 4,836 |
| Return on Equity (ROE) | 3.1754% | 4,831 |
| Retained earnings to average equity (ytd only) | 3.1754% | 3,549 |
| Net charge-offs to loans | 0.3493% | 3,441 |
| Credit loss provision to net charge-offs | 174.0666% | 2,640 |
| Earnings coverage of net charge-offs (x) | 3.3118% | 3,489 |
| Efficiency ratio | 69.0844% | 4,966 |
| Assets per employee ($millions) | 7.7277% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 3,939 |
| Loan loss allowance to noncurrent loans | 89.0974% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.7727% | 3,518 |
| Noncurrent loans to loans | 1.5254% | 4,208 |
| Net loans and leases to total assets | 75.7134% | 2,257 |
| Net loans and leases to deposits | 111.2931% | 511 |
| Net loans and leases to core deposits | 125.8044% | 1,893 |
| Total domestic deposits to total assets | 68.0307% | 7,625 |
| Equity capital to assets | 9.3760% | 4,776 |
| Core capital (leverage) ratio | 9.6159% | 3,744 |
| Tier 1 risk-based capital ratio | 11.6376% | 5,254 |
| Total risk-based capital ratio | 12.8884% | 5,188 |
| Memoranda: | ||
| Average total assets | $713,765,670 | 981 |
| Average earning assets | $657,060,670 | 970 |
| Average equity | $68,149,000 | 983 |
| Average total loans | $567,475,000 | 882 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 4,695 |
| Cost of funding earning assets | 2.6604% | 1,373 |
| Net interest margin | 2.8795% | 6,799 |
| Noninterest income to average assets | 0.2212% | 6,703 |
| Noninterest expense to average assets | 1.9362% | 7,476 |
| Loan and lease loss provision to assets | 0.4287% | 2,783 |
| Net operating income to assets | 0.3516% | 5,063 |
| Return on assets (ROA) | 0.3516% | 5,246 |
| Pretax return on assets | 0.5082% | 5,059 |
| Return on Equity (ROE) | 3.6474% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.6474% | 3,871 |
| Net charge-offs to loans | 0.2302% | 3,261 |
| Credit loss provision to net charge-offs | 230.0613% | 1,989 |
| Earnings coverage of net charge-offs (x) | 5.0276% | 2,766 |
| Efficiency ratio | 67.3896% | 5,067 |
| Assets per employee ($millions) | 7.4110% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 4,011 |
| Loan loss allowance to noncurrent loans | 79.5652% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 1.8696% | 3,110 |
| Noncurrent loans to loans | 1.6485% | 3,801 |
| Net loans and leases to total assets | 79.3936% | 1,495 |
| Net loans and leases to deposits | 115.6849% | 395 |
| Net loans and leases to core deposits | 132.1565% | 1,527 |
| Total domestic deposits to total assets | 68.6292% | 7,551 |
| Equity capital to assets | 9.6521% | 4,452 |
| Core capital (leverage) ratio | 9.7169% | 3,731 |
| Tier 1 risk-based capital ratio | 11.6657% | 5,241 |
| Total risk-based capital ratio | 12.9157% | 5,154 |
| Memoranda: | ||
| Average total assets | $699,721,000 | 1,010 |
| Average earning assets | $644,409,500 | 998 |
| Average equity | $67,445,500 | 999 |
| Average total loans | $566,501,000 | 879 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3430% | 3,721 |
| Cost of funding earning assets | 3.2619% | 1,018 |
| Net interest margin | 3.0811% | 6,702 |
| Noninterest income to average assets | -0.0847% | 8,195 |
| Noninterest expense to average assets | 1.7973% | 7,759 |
| Loan and lease loss provision to assets | 0.4650% | 2,973 |
| Net operating income to assets | 0.3857% | 5,210 |
| Return on assets (ROA) | 0.3892% | 5,009 |
| Pretax return on assets | 0.5415% | 4,875 |
| Return on Equity (ROE) | 4.3326% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.3326% | 2,428 |
| Net charge-offs to loans | 0.3502% | 3,079 |
| Credit loss provision to net charge-offs | 165.9318% | 3,099 |
| Earnings coverage of net charge-offs (x) | 3.5743% | 4,306 |
| Efficiency ratio | 64.2140% | 5,515 |
| Assets per employee ($millions) | 7.6417% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 4,256 |
| Loan loss allowance to noncurrent loans | 90.9988% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 1.4114% | 3,377 |
| Noncurrent loans to loans | 1.3588% | 3,802 |
| Net loans and leases to total assets | 80.4721% | 1,557 |
| Net loans and leases to deposits | 117.9125% | 444 |
| Net loans and leases to core deposits | 135.8752% | 1,494 |
| Total domestic deposits to total assets | 68.2473% | 7,443 |
| Equity capital to assets | 9.6256% | 4,513 |
| Core capital (leverage) ratio | 9.7764% | 3,679 |
| Tier 1 risk-based capital ratio | 11.6001% | 5,155 |
| Total risk-based capital ratio | 12.7955% | 5,088 |
| Memoranda: | ||
| Average total assets | $679,781,400 | 977 |
| Average earning assets | $636,232,400 | 956 |
| Average equity | $61,072,000 | 1,101 |
| Average total loans | $544,018,400 | 877 |