Home > Spencer Savings Bank, SLA > Performance and Condition Ratios
Spencer Savings Bank, SLA, 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 | 4.5512% | 3,007 |
| Cost of funding earning assets | 2.2200% | 618 |
| Net interest margin | 2.3312% | 4,235 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.7012% | 4,136 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4986% | 3,671 |
| Return on assets (ROA) | 0.4510% | 3,769 |
| Pretax return on assets | 0.5846% | 3,665 |
| Return on Equity (ROE) | 4.2000% | 3,857 |
| Retained earnings to average equity (ytd only) | 4.2016% | 2,890 |
| Net charge-offs to loans | 0.0358% | 1,593 |
| Credit loss provision to net charge-offs | 143.7500% | 1,505 |
| Earnings coverage of net charge-offs (x) | 22.7118% | 1,809 |
| Efficiency ratio | 71.2538% | 1,731 |
| Assets per employee ($millions) | 12.2940% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9074% | 3,684 |
| Loan loss allowance to noncurrent loans | 290.0816% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 1,917 |
| Noncurrent loans to loans | 0.3128% | 2,071 |
| Net loans and leases to total assets | 82.4900% | 389 |
| Net loans and leases to deposits | 110.4969% | 188 |
| Net loans and leases to core deposits | 120.3511% | 612 |
| Total domestic deposits to total assets | 74.6500% | 4,056 |
| Equity capital to assets | 10.9880% | 1,487 |
| Core capital (leverage) ratio | 10.5241% | 2,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8479% | 1,306 |
| Memoranda: | ||
| Average total assets | $3,854,296,200 | 331 |
| Average earning assets | $3,581,159,800 | 317 |
| Average equity | $413,678,000 | 310 |
| Average total loans | $3,214,479,200 | 285 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 2,867 |
| Cost of funding earning assets | 2.1062% | 585 |
| Net interest margin | 2.4136% | 4,214 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.6988% | 4,130 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.5035% | 3,760 |
| Return on assets (ROA) | 0.5057% | 3,752 |
| Pretax return on assets | 0.6544% | 3,632 |
| Return on Equity (ROE) | 4.7400% | 3,859 |
| Retained earnings to average equity (ytd only) | 4.7399% | 3,028 |
| Net charge-offs to loans | 0.0370% | 1,362 |
| Credit loss provision to net charge-offs | 297.7578% | 894 |
| Earnings coverage of net charge-offs (x) | 23.6939% | 1,726 |
| Efficiency ratio | 69.6813% | 1,823 |
| Assets per employee ($millions) | 12.1368% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 3,598 |
| Loan loss allowance to noncurrent loans | 303.0988% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 1,969 |
| Noncurrent loans to loans | 0.3099% | 2,125 |
| Net loans and leases to total assets | 83.1300% | 355 |
| Net loans and leases to deposits | 111.5363% | 178 |
| Net loans and leases to core deposits | 121.5040% | 512 |
| Total domestic deposits to total assets | 74.5300% | 4,119 |
| Equity capital to assets | 10.7435% | 1,456 |
| Core capital (leverage) ratio | 10.4463% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7332% | 1,378 |
| Memoranda: | ||
| Average total assets | $3,852,790,500 | 333 |
| Average earning assets | $3,580,392,250 | 320 |
| Average equity | $411,055,000 | 313 |
| Average total loans | $3,214,712,750 | 289 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 2,787 |
| Cost of funding earning assets | 1.9768% | 517 |
| Net interest margin | 2.4669% | 4,242 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.6931% | 4,158 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5469% | 3,706 |
| Return on assets (ROA) | 0.5496% | 3,706 |
| Pretax return on assets | 0.7059% | 3,589 |
| Return on Equity (ROE) | 5.1600% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.1637% | 2,902 |
| Net charge-offs to loans | 0.0511% | 1,001 |
| Credit loss provision to net charge-offs | 151.5263% | 1,190 |
| Earnings coverage of net charge-offs (x) | 17.5995% | 1,792 |
| Efficiency ratio | 69.1172% | 1,855 |
| Assets per employee ($millions) | 12.1347% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 3,805 |
| Loan loss allowance to noncurrent loans | 284.5943% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.2631% | 1,888 |
| Noncurrent loans to loans | 0.3137% | 2,016 |
| Net loans and leases to total assets | 83.1300% | 321 |
| Net loans and leases to deposits | 111.4598% | 180 |
| Net loans and leases to core deposits | 121.2501% | 485 |
| Total domestic deposits to total assets | 74.5900% | 4,151 |
| Equity capital to assets | 10.7181% | 1,502 |
| Core capital (leverage) ratio | 10.3187% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3632% | 1,471 |
| Memoranda: | ||
| Average total assets | $3,850,551,000 | 322 |
| Average earning assets | $3,580,051,000 | 309 |
| Average equity | $409,858,000 | 302 |
| Average total loans | $3,206,700,667 | 279 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 2,559 |
| Cost of funding earning assets | 1.8155% | 438 |
| Net interest margin | 2.5794% | 4,231 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 1.6503% | 4,248 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.6734% | 3,520 |
| Return on assets (ROA) | 0.6810% | 3,462 |
| Pretax return on assets | 0.8405% | 3,365 |
| Return on Equity (ROE) | 6.4200% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.4206% | 2,663 |
| Net charge-offs to loans | 0.0368% | 999 |
| Credit loss provision to net charge-offs | 211.9454% | 803 |
| Earnings coverage of net charge-offs (x) | 29.3106% | 1,314 |
| Efficiency ratio | 64.6003% | 2,373 |
| Assets per employee ($millions) | 12.2028% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 3,843 |
| Loan loss allowance to noncurrent loans | 339.1808% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.2216% | 2,023 |
| Noncurrent loans to loans | 0.2665% | 2,194 |
| Net loans and leases to total assets | 82.4100% | 331 |
| Net loans and leases to deposits | 109.1645% | 196 |
| Net loans and leases to core deposits | 118.2745% | 486 |
| Total domestic deposits to total assets | 75.4900% | 4,193 |
| Equity capital to assets | 10.6590% | 1,482 |
| Core capital (leverage) ratio | 10.2342% | 2,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6467% | 1,453 |
| Memoranda: | ||
| Average total assets | $3,834,267,500 | 334 |
| Average earning assets | $3,567,917,500 | 319 |
| Average equity | $406,689,500 | 312 |
| Average total loans | $3,181,398,000 | 284 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 2,221 |
| Cost of funding earning assets | 0.6340% | 772 |
| Net interest margin | 3.1858% | 2,912 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 1.8904% | 3,847 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.8187% | 3,261 |
| Return on assets (ROA) | 0.8015% | 3,245 |
| Pretax return on assets | 1.1255% | 2,688 |
| Return on Equity (ROE) | 7.8900% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.8904% | 1,880 |
| Net charge-offs to loans | 0.1092% | 689 |
| Credit loss provision to net charge-offs | 106.3295% | 1,520 |
| Earnings coverage of net charge-offs (x) | 14.3737% | 2,035 |
| Efficiency ratio | 60.2134% | 3,030 |
| Assets per employee ($millions) | 12.4903% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 3,580 |
| Loan loss allowance to noncurrent loans | 324.6022% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2457% | 1,925 |
| Noncurrent loans to loans | 0.2947% | 2,083 |
| Net loans and leases to total assets | 82.5900% | 361 |
| Net loans and leases to deposits | 106.8720% | 227 |
| Net loans and leases to core deposits | 114.0019% | 491 |
| Total domestic deposits to total assets | 77.2800% | 4,141 |
| Equity capital to assets | 10.6316% | 1,397 |
| Core capital (leverage) ratio | 10.8364% | 1,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0979% | 1,347 |
| Memoranda: | ||
| Average total assets | $3,830,992,400 | 326 |
| Average earning assets | $3,575,756,200 | 316 |
| Average equity | $389,145,400 | 314 |
| Average total loans | $3,024,597,200 | 280 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 2,031 |
| Cost of funding earning assets | 0.4842% | 820 |
| Net interest margin | 3.2211% | 2,563 |
| Noninterest income to average assets | 0.1300% | 4,339 |
| Noninterest expense to average assets | 1.8295% | 3,924 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.8801% | 2,965 |
| Return on assets (ROA) | 0.8610% | 3,005 |
| Pretax return on assets | 1.2148% | 2,311 |
| Return on Equity (ROE) | 8.5700% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.5750% | 1,801 |
| Net charge-offs to loans | 0.1357% | 476 |
| Credit loss provision to net charge-offs | 58.2786% | 1,498 |
| Earnings coverage of net charge-offs (x) | 12.3137% | 1,923 |
| Efficiency ratio | 58.2514% | 3,357 |
| Assets per employee ($millions) | 12.7828% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9445% | 3,709 |
| Loan loss allowance to noncurrent loans | 253.7700% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3062% | 1,721 |
| Noncurrent loans to loans | 0.3722% | 1,902 |
| Net loans and leases to total assets | 81.5000% | 409 |
| Net loans and leases to deposits | 100.7163% | 337 |
| Net loans and leases to core deposits | 106.0710% | 584 |
| Total domestic deposits to total assets | 80.9200% | 3,994 |
| Equity capital to assets | 10.4587% | 1,390 |
| Core capital (leverage) ratio | 10.4569% | 2,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1367% | 1,392 |
| Memoranda: | ||
| Average total assets | $3,842,601,500 | 322 |
| Average earning assets | $3,582,817,250 | 315 |
| Average equity | $385,841,750 | 317 |
| Average total loans | $2,991,777,500 | 279 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4754% | 2,205 |
| Cost of funding earning assets | 0.4507% | 689 |
| Net interest margin | 3.0247% | 2,810 |
| Noninterest income to average assets | 0.1314% | 4,348 |
| Noninterest expense to average assets | 1.8246% | 3,894 |
| Loan and lease loss provision to assets | 0.0548% | 1,596 |
| Net operating income to assets | 0.7647% | 3,089 |
| Return on assets (ROA) | 0.7399% | 3,135 |
| Pretax return on assets | 1.0399% | 2,604 |
| Return on Equity (ROE) | 7.4671% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.4671% | 1,828 |
| Net charge-offs to loans | 0.2005% | 325 |
| Credit loss provision to net charge-offs | 35.7239% | 1,545 |
| Earnings coverage of net charge-offs (x) | 7.3435% | 1,859 |
| Efficiency ratio | 61.6301% | 3,090 |
| Assets per employee ($millions) | 12.8233% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9395% | 3,834 |
| Loan loss allowance to noncurrent loans | 216.5792% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 1,620 |
| Noncurrent loans to loans | 0.4338% | 1,824 |
| Net loans and leases to total assets | 79.0122% | 479 |
| Net loans and leases to deposits | 94.2488% | 509 |
| Net loans and leases to core deposits | 98.2369% | 752 |
| Total domestic deposits to total assets | 83.8336% | 3,715 |
| Equity capital to assets | 10.2871% | 1,540 |
| Core capital (leverage) ratio | 9.8894% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7993% | 1,484 |
| Memoranda: | ||
| Average total assets | $3,892,058,000 | 318 |
| Average earning assets | $3,627,626,333 | 313 |
| Average equity | $385,666,667 | 318 |
| Average total loans | $2,975,866,000 | 279 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3049% | 2,376 |
| Cost of funding earning assets | 0.4519% | 649 |
| Net interest margin | 2.8530% | 2,981 |
| Noninterest income to average assets | 0.1309% | 4,357 |
| Noninterest expense to average assets | 1.8616% | 3,778 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6665% | 3,170 |
| Return on assets (ROA) | 0.6875% | 3,093 |
| Pretax return on assets | 0.9661% | 2,551 |
| Return on Equity (ROE) | 7.0650% | 3,023 |
| Retained earnings to average equity (ytd only) | 7.0650% | 1,877 |
| Net charge-offs to loans | 0.3443% | 190 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 3.6433% | 1,658 |
| Efficiency ratio | 66.2442% | 2,738 |
| Assets per employee ($millions) | 13.8118% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 3,982 |
| Loan loss allowance to noncurrent loans | 89.2705% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 707 |
| Noncurrent loans to loans | 1.0334% | 874 |
| Net loans and leases to total assets | 74.8184% | 590 |
| Net loans and leases to deposits | 88.6645% | 581 |
| Net loans and leases to core deposits | 92.5458% | 794 |
| Total domestic deposits to total assets | 84.3837% | 3,679 |
| Equity capital to assets | 9.7726% | 2,073 |
| Core capital (leverage) ratio | 9.2995% | 3,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9647% | 1,807 |
| Memoranda: | ||
| Average total assets | $3,965,879,500 | 321 |
| Average earning assets | $3,711,842,500 | 315 |
| Average equity | $385,905,000 | 330 |
| Average total loans | $2,970,497,500 | 278 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2952% | 3,230 |
| Cost of funding earning assets | 0.5999% | 543 |
| Net interest margin | 2.6952% | 3,882 |
| Noninterest income to average assets | 0.2555% | 3,849 |
| Noninterest expense to average assets | 1.7301% | 4,256 |
| Loan and lease loss provision to assets | 0.0974% | 1,278 |
| Net operating income to assets | 0.7195% | 3,571 |
| Return on assets (ROA) | 0.7166% | 3,641 |
| Pretax return on assets | 0.9617% | 3,356 |
| Return on Equity (ROE) | 6.8570% | 3,552 |
| Retained earnings to average equity (ytd only) | 6.8570% | 1,978 |
| Net charge-offs to loans | 0.0411% | 1,442 |
| Credit loss provision to net charge-offs | 314.1026% | 1,038 |
| Earnings coverage of net charge-offs (x) | 34.2729% | 1,517 |
| Efficiency ratio | 61.8106% | 2,898 |
| Assets per employee ($millions) | 15.9816% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,706 |
| Loan loss allowance to noncurrent loans | 79.1170% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 596 |
| Noncurrent loans to loans | 1.2765% | 749 |
| Net loans and leases to total assets | 73.5464% | 701 |
| Net loans and leases to deposits | 87.3977% | 686 |
| Net loans and leases to core deposits | 90.8600% | 930 |
| Total domestic deposits to total assets | 84.1515% | 3,519 |
| Equity capital to assets | 9.6893% | 2,954 |
| Core capital (leverage) ratio | 9.7091% | 2,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4449% | 2,069 |
| Memoranda: | ||
| Average total assets | $3,521,587,600 | 333 |
| Average earning assets | $3,315,246,800 | 323 |
| Average equity | $368,031,200 | 343 |
| Average total loans | $2,657,760,000 | 292 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2801% | 3,442 |
| Cost of funding earning assets | 0.6483% | 498 |
| Net interest margin | 2.6318% | 4,090 |
| Noninterest income to average assets | 0.1262% | 4,560 |
| Noninterest expense to average assets | 1.7724% | 4,216 |
| Loan and lease loss provision to assets | 0.0743% | 1,559 |
| Net operating income to assets | 0.5783% | 4,044 |
| Return on assets (ROA) | 0.6605% | 3,924 |
| Pretax return on assets | 0.8626% | 3,769 |
| Return on Equity (ROE) | 6.1876% | 3,869 |
| Retained earnings to average equity (ytd only) | 6.1876% | 2,749 |
| Net charge-offs to loans | 0.0591% | 1,050 |
| Credit loss provision to net charge-offs | 165.8217% | 1,297 |
| Earnings coverage of net charge-offs (x) | 18.5830% | 1,781 |
| Efficiency ratio | 67.8923% | 1,851 |
| Assets per employee ($millions) | 14.1776% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 3,699 |
| Loan loss allowance to noncurrent loans | 95.1960% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 815 |
| Noncurrent loans to loans | 1.0953% | 1,029 |
| Net loans and leases to total assets | 76.6483% | 497 |
| Net loans and leases to deposits | 93.2658% | 441 |
| Net loans and leases to core deposits | 97.4756% | 675 |
| Total domestic deposits to total assets | 82.1827% | 3,895 |
| Equity capital to assets | 10.5531% | 2,419 |
| Core capital (leverage) ratio | 10.6115% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4182% | 1,512 |
| Memoranda: | ||
| Average total assets | $3,403,136,000 | 343 |
| Average earning assets | $3,205,668,000 | 333 |
| Average equity | $363,257,500 | 346 |
| Average total loans | $2,580,088,000 | 297 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2884% | 3,462 |
| Cost of funding earning assets | 0.6910% | 487 |
| Net interest margin | 2.5974% | 4,175 |
| Noninterest income to average assets | 0.1213% | 4,590 |
| Noninterest expense to average assets | 1.8477% | 4,077 |
| Loan and lease loss provision to assets | 0.1127% | 1,119 |
| Net operating income to assets | 0.4883% | 4,242 |
| Return on assets (ROA) | 0.6198% | 3,997 |
| Pretax return on assets | 0.7715% | 3,920 |
| Return on Equity (ROE) | 5.7839% | 3,963 |
| Retained earnings to average equity (ytd only) | 5.7839% | 2,896 |
| Net charge-offs to loans | 0.1054% | 717 |
| Credit loss provision to net charge-offs | 142.2039% | 1,184 |
| Earnings coverage of net charge-offs (x) | 9.0802% | 1,851 |
| Efficiency ratio | 71.8227% | 1,452 |
| Assets per employee ($millions) | 13.9247% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,498 |
| Loan loss allowance to noncurrent loans | 102.7505% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8044% | 1,001 |
| Noncurrent loans to loans | 1.0512% | 1,165 |
| Net loans and leases to total assets | 74.7971% | 693 |
| Net loans and leases to deposits | 91.1194% | 586 |
| Net loans and leases to core deposits | 95.2559% | 841 |
| Total domestic deposits to total assets | 82.0870% | 3,905 |
| Equity capital to assets | 10.5695% | 2,336 |
| Core capital (leverage) ratio | 10.4517% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7238% | 1,406 |
| Memoranda: | ||
| Average total assets | $3,365,497,000 | 342 |
| Average earning assets | $3,169,662,667 | 334 |
| Average equity | $360,659,000 | 345 |
| Average total loans | $2,532,320,000 | 301 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3496% | 3,341 |
| Cost of funding earning assets | 0.7657% | 420 |
| Net interest margin | 2.5839% | 4,178 |
| Noninterest income to average assets | 0.1210% | 4,587 |
| Noninterest expense to average assets | 1.6457% | 4,472 |
| Loan and lease loss provision to assets | 0.1103% | 1,257 |
| Net operating income to assets | 0.5875% | 3,971 |
| Return on assets (ROA) | 0.5845% | 4,039 |
| Pretax return on assets | 0.7960% | 3,819 |
| Return on Equity (ROE) | 5.4161% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.4161% | 3,088 |
| Net charge-offs to loans | -0.0189% | 3,972 |
| Credit loss provision to net charge-offs | -776.2712% | 3,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2463% | 2,433 |
| Assets per employee ($millions) | 13.9310% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,241 |
| Loan loss allowance to noncurrent loans | 134.1049% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.6343% | 1,498 |
| Noncurrent loans to loans | 0.8508% | 1,575 |
| Net loans and leases to total assets | 73.7015% | 840 |
| Net loans and leases to deposits | 94.1583% | 482 |
| Net loans and leases to core deposits | 99.3305% | 742 |
| Total domestic deposits to total assets | 78.2740% | 4,412 |
| Equity capital to assets | 10.7189% | 2,065 |
| Core capital (leverage) ratio | 10.8259% | 1,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3610% | 1,207 |
| Memoranda: | ||
| Average total assets | $3,321,577,000 | 345 |
| Average earning assets | $3,129,837,500 | 335 |
| Average equity | $358,488,000 | 345 |
| Average total loans | $2,492,879,000 | 305 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6206% | 3,755 |
| Cost of funding earning assets | 1.1067% | 391 |
| Net interest margin | 2.5139% | 4,574 |
| Noninterest income to average assets | 0.1498% | 4,548 |
| Noninterest expense to average assets | 1.8295% | 4,429 |
| Loan and lease loss provision to assets | 0.1892% | 2,053 |
| Net operating income to assets | 0.4006% | 4,242 |
| Return on assets (ROA) | 0.3846% | 4,358 |
| Pretax return on assets | 0.4728% | 4,317 |
| Return on Equity (ROE) | 3.4768% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.4768% | 3,094 |
| Net charge-offs to loans | -0.0869% | 4,780 |
| Credit loss provision to net charge-offs | -285.2913% | 3,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6783% | 1,606 |
| Assets per employee ($millions) | 13.1929% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,378 |
| Loan loss allowance to noncurrent loans | 134.2301% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.6294% | 1,671 |
| Noncurrent loans to loans | 0.8329% | 1,682 |
| Net loans and leases to total assets | 74.7203% | 935 |
| Net loans and leases to deposits | 96.2643% | 540 |
| Net loans and leases to core deposits | 102.4710% | 790 |
| Total domestic deposits to total assets | 77.6200% | 4,359 |
| Equity capital to assets | 10.8687% | 2,370 |
| Core capital (leverage) ratio | 10.8131% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5671% | 1,387 |
| Memoranda: | ||
| Average total assets | $3,157,165,000 | 327 |
| Average earning assets | $2,965,735,800 | 320 |
| Average equity | $349,200,800 | 332 |
| Average total loans | $2,409,477,400 | 301 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6991% | 3,803 |
| Cost of funding earning assets | 1.1842% | 393 |
| Net interest margin | 2.5149% | 4,648 |
| Noninterest income to average assets | 0.1573% | 4,505 |
| Noninterest expense to average assets | 1.8070% | 4,484 |
| Loan and lease loss provision to assets | 0.2162% | 1,864 |
| Net operating income to assets | 0.4087% | 4,249 |
| Return on assets (ROA) | 0.3811% | 4,362 |
| Pretax return on assets | 0.4613% | 4,359 |
| Return on Equity (ROE) | 3.4299% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.4299% | 3,344 |
| Net charge-offs to loans | -0.1123% | 4,843 |
| Credit loss provision to net charge-offs | -251.5617% | 3,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5935% | 1,692 |
| Assets per employee ($millions) | 12.9296% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 3,127 |
| Loan loss allowance to noncurrent loans | 164.8572% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5122% | 2,157 |
| Noncurrent loans to loans | 0.6768% | 2,099 |
| Net loans and leases to total assets | 73.4018% | 1,442 |
| Net loans and leases to deposits | 96.6633% | 712 |
| Net loans and leases to core deposits | 103.0678% | 977 |
| Total domestic deposits to total assets | 75.9355% | 4,431 |
| Equity capital to assets | 10.9669% | 2,418 |
| Core capital (leverage) ratio | 10.9681% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8656% | 1,286 |
| Memoranda: | ||
| Average total assets | $3,128,493,750 | 322 |
| Average earning assets | $2,936,419,750 | 316 |
| Average equity | $347,598,750 | 325 |
| Average total loans | $2,393,752,250 | 298 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 3,724 |
| Cost of funding earning assets | 1.2607% | 419 |
| Net interest margin | 2.5977% | 4,656 |
| Noninterest income to average assets | 0.1254% | 4,675 |
| Noninterest expense to average assets | 1.7042% | 4,680 |
| Loan and lease loss provision to assets | 0.1823% | 2,197 |
| Net operating income to assets | 0.5485% | 3,890 |
| Return on assets (ROA) | 0.5032% | 4,084 |
| Pretax return on assets | 0.6191% | 4,023 |
| Return on Equity (ROE) | 4.5087% | 3,972 |
| Retained earnings to average equity (ytd only) | 4.5087% | 2,702 |
| Net charge-offs to loans | -0.1584% | 4,911 |
| Credit loss provision to net charge-offs | -148.8666% | 3,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3542% | 2,464 |
| Assets per employee ($millions) | 12.8657% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 3,539 |
| Loan loss allowance to noncurrent loans | 131.3740% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 2,055 |
| Noncurrent loans to loans | 0.7658% | 1,968 |
| Net loans and leases to total assets | 74.3259% | 1,370 |
| Net loans and leases to deposits | 102.0953% | 445 |
| Net loans and leases to core deposits | 109.7673% | 748 |
| Total domestic deposits to total assets | 72.8005% | 4,663 |
| Equity capital to assets | 10.9160% | 2,415 |
| Core capital (leverage) ratio | 11.1946% | 1,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7049% | 1,315 |
| Memoranda: | ||
| Average total assets | $3,098,167,333 | 325 |
| Average earning assets | $2,905,606,333 | 316 |
| Average equity | $345,772,667 | 323 |
| Average total loans | $2,395,065,000 | 299 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9238% | 3,987 |
| Cost of funding earning assets | 1.3457% | 492 |
| Net interest margin | 2.5781% | 4,773 |
| Noninterest income to average assets | 0.1261% | 4,736 |
| Noninterest expense to average assets | 1.7003% | 4,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6620% | 3,399 |
| Return on assets (ROA) | 0.5295% | 3,873 |
| Pretax return on assets | 0.6735% | 3,764 |
| Return on Equity (ROE) | 4.6901% | 3,747 |
| Retained earnings to average equity (ytd only) | 4.6901% | 2,422 |
| Net charge-offs to loans | -0.3941% | 5,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7202% | 2,858 |
| Assets per employee ($millions) | 11.9069% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,026 |
| Loan loss allowance to noncurrent loans | 127.5928% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 2,273 |
| Noncurrent loans to loans | 0.7237% | 2,189 |
| Net loans and leases to total assets | 77.4696% | 1,055 |
| Net loans and leases to deposits | 106.8039% | 265 |
| Net loans and leases to core deposits | 115.6751% | 601 |
| Total domestic deposits to total assets | 72.5345% | 4,750 |
| Equity capital to assets | 11.2968% | 2,593 |
| Core capital (leverage) ratio | 11.2710% | 2,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7267% | 1,415 |
| Memoranda: | ||
| Average total assets | $3,039,033,000 | 320 |
| Average earning assets | $2,847,258,000 | 314 |
| Average equity | $343,106,000 | 325 |
| Average total loans | $2,385,127,500 | 299 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0509% | 4,143 |
| Cost of funding earning assets | 1.4078% | 551 |
| Net interest margin | 2.6431% | 4,871 |
| Noninterest income to average assets | 0.1582% | 4,701 |
| Noninterest expense to average assets | 1.7394% | 4,837 |
| Loan and lease loss provision to assets | 0.2078% | 968 |
| Net operating income to assets | 0.5465% | 4,299 |
| Return on assets (ROA) | 0.5636% | 4,311 |
| Pretax return on assets | 0.7058% | 4,202 |
| Return on Equity (ROE) | 5.0598% | 4,190 |
| Retained earnings to average equity (ytd only) | 5.0598% | 2,385 |
| Net charge-offs to loans | 0.1273% | 1,497 |
| Credit loss provision to net charge-offs | 211.4344% | 1,257 |
| Earnings coverage of net charge-offs (x) | 9.0785% | 2,701 |
| Efficiency ratio | 65.9015% | 2,784 |
| Assets per employee ($millions) | 12.3650% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8169% | 4,251 |
| Loan loss allowance to noncurrent loans | 127.7843% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5142% | 2,361 |
| Noncurrent loans to loans | 0.6393% | 2,288 |
| Net loans and leases to total assets | 78.1305% | 1,062 |
| Net loans and leases to deposits | 108.6711% | 213 |
| Net loans and leases to core deposits | 117.4239% | 552 |
| Total domestic deposits to total assets | 71.8963% | 4,869 |
| Equity capital to assets | 11.2832% | 2,727 |
| Core capital (leverage) ratio | 11.1635% | 2,367 |
| Tier 1 risk-based capital ratio | 15.4947% | 2,582 |
| Total risk-based capital ratio | 16.3911% | 2,654 |
| Memoranda: | ||
| Average total assets | $3,007,819,200 | 312 |
| Average earning assets | $2,814,729,600 | 306 |
| Average equity | $335,035,000 | 317 |
| Average total loans | $2,321,545,800 | 296 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0215% | 4,319 |
| Cost of funding earning assets | 1.4062% | 569 |
| Net interest margin | 2.6153% | 4,992 |
| Noninterest income to average assets | 0.1411% | 4,833 |
| Noninterest expense to average assets | 1.7160% | 4,906 |
| Loan and lease loss provision to assets | 0.2000% | 881 |
| Net operating income to assets | 0.5267% | 4,455 |
| Return on assets (ROA) | 0.5509% | 4,457 |
| Pretax return on assets | 0.7024% | 4,338 |
| Return on Equity (ROE) | 4.9622% | 4,337 |
| Retained earnings to average equity (ytd only) | 4.9622% | 2,906 |
| Net charge-offs to loans | 0.0904% | 1,566 |
| Credit loss provision to net charge-offs | 288.0922% | 975 |
| Earnings coverage of net charge-offs (x) | 12.5564% | 2,346 |
| Efficiency ratio | 66.1101% | 2,711 |
| Assets per employee ($millions) | 12.3842% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 4,364 |
| Loan loss allowance to noncurrent loans | 115.8767% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.5572% | 2,334 |
| Noncurrent loans to loans | 0.7042% | 2,195 |
| Net loans and leases to total assets | 76.9799% | 1,324 |
| Net loans and leases to deposits | 107.9553% | 270 |
| Net loans and leases to core deposits | 116.6318% | 634 |
| Total domestic deposits to total assets | 71.3072% | 4,946 |
| Equity capital to assets | 11.2706% | 2,860 |
| Core capital (leverage) ratio | 11.0907% | 2,570 |
| Tier 1 risk-based capital ratio | 15.3246% | 2,702 |
| Total risk-based capital ratio | 16.2070% | 2,802 |
| Memoranda: | ||
| Average total assets | $2,999,325,250 | 318 |
| Average earning assets | $2,805,955,500 | 310 |
| Average equity | $332,991,000 | 322 |
| Average total loans | $2,302,896,250 | 302 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 4,340 |
| Cost of funding earning assets | 1.3888% | 558 |
| Net interest margin | 2.6284% | 5,053 |
| Noninterest income to average assets | 0.1357% | 4,889 |
| Noninterest expense to average assets | 1.7268% | 4,952 |
| Loan and lease loss provision to assets | 0.2008% | 853 |
| Net operating income to assets | 0.5178% | 4,495 |
| Return on assets (ROA) | 0.5389% | 4,478 |
| Pretax return on assets | 0.6935% | 4,345 |
| Return on Equity (ROE) | 4.8794% | 4,370 |
| Retained earnings to average equity (ytd only) | 4.8794% | 2,828 |
| Net charge-offs to loans | 0.0200% | 2,461 |
| Credit loss provision to net charge-offs | 1,310.0437% | 278 |
| Earnings coverage of net charge-offs (x) | 56.5939% | 1,016 |
| Efficiency ratio | 66.3613% | 2,768 |
| Assets per employee ($millions) | 12.8201% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 4,402 |
| Loan loss allowance to noncurrent loans | 240.4948% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 3,529 |
| Noncurrent loans to loans | 0.3375% | 3,330 |
| Net loans and leases to total assets | 76.6170% | 1,451 |
| Net loans and leases to deposits | 110.2008% | 213 |
| Net loans and leases to core deposits | 118.4825% | 588 |
| Total domestic deposits to total assets | 69.5249% | 5,064 |
| Equity capital to assets | 11.0836% | 2,961 |
| Core capital (leverage) ratio | 11.0302% | 2,570 |
| Tier 1 risk-based capital ratio | 15.2360% | 2,737 |
| Total risk-based capital ratio | 16.1173% | 2,816 |
| Memoranda: | ||
| Average total assets | $2,987,722,670 | 321 |
| Average earning assets | $2,794,747,330 | 312 |
| Average equity | $330,000,000 | 324 |
| Average total loans | $2,285,565,330 | 305 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0061% | 4,354 |
| Cost of funding earning assets | 1.3574% | 534 |
| Net interest margin | 2.6487% | 5,103 |
| Noninterest income to average assets | 0.1321% | 4,940 |
| Noninterest expense to average assets | 1.7198% | 5,002 |
| Loan and lease loss provision to assets | 0.2025% | 786 |
| Net operating income to assets | 0.5135% | 4,481 |
| Return on assets (ROA) | 0.5466% | 4,417 |
| Pretax return on assets | 0.7287% | 4,230 |
| Return on Equity (ROE) | 4.9574% | 4,335 |
| Retained earnings to average equity (ytd only) | 4.9574% | 2,923 |
| Net charge-offs to loans | -0.0014% | 3,829 |
| Credit loss provision to net charge-offs | -18,750.0000% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7110% | 2,977 |
| Assets per employee ($millions) | 12.3021% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7838% | 4,567 |
| Loan loss allowance to noncurrent loans | 243.8854% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.2490% | 3,619 |
| Noncurrent loans to loans | 0.3214% | 3,417 |
| Net loans and leases to total assets | 75.6325% | 1,542 |
| Net loans and leases to deposits | 106.2558% | 317 |
| Net loans and leases to core deposits | 113.9648% | 745 |
| Total domestic deposits to total assets | 71.1796% | 5,072 |
| Equity capital to assets | 11.0861% | 2,763 |
| Core capital (leverage) ratio | 11.0480% | 2,529 |
| Tier 1 risk-based capital ratio | 15.3965% | 2,707 |
| Total risk-based capital ratio | 16.2384% | 2,819 |
| Memoranda: | ||
| Average total assets | $2,962,402,000 | 326 |
| Average earning assets | $2,770,553,500 | 317 |
| Average equity | $326,620,000 | 328 |
| Average total loans | $2,254,870,500 | 310 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 4,370 |
| Cost of funding earning assets | 1.0936% | 506 |
| Net interest margin | 2.7655% | 5,054 |
| Noninterest income to average assets | 0.1573% | 4,935 |
| Noninterest expense to average assets | 1.8960% | 4,899 |
| Loan and lease loss provision to assets | 0.0709% | 2,719 |
| Net operating income to assets | 0.5550% | 4,537 |
| Return on assets (ROA) | 0.5347% | 4,578 |
| Pretax return on assets | 0.7471% | 4,296 |
| Return on Equity (ROE) | 4.8294% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.8294% | 2,874 |
| Net charge-offs to loans | 0.0102% | 3,329 |
| Credit loss provision to net charge-offs | 934.5794% | 391 |
| Earnings coverage of net charge-offs (x) | 111.2150% | 685 |
| Efficiency ratio | 68.9982% | 2,389 |
| Assets per employee ($millions) | 11.7908% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 4,740 |
| Loan loss allowance to noncurrent loans | 219.2002% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 3,467 |
| Noncurrent loans to loans | 0.3315% | 3,362 |
| Net loans and leases to total assets | 75.4492% | 1,705 |
| Net loans and leases to deposits | 107.6232% | 318 |
| Net loans and leases to core deposits | 114.3675% | 766 |
| Total domestic deposits to total assets | 70.1049% | 5,148 |
| Equity capital to assets | 10.9643% | 2,723 |
| Core capital (leverage) ratio | 11.2624% | 2,298 |
| Tier 1 risk-based capital ratio | 15.4236% | 2,655 |
| Total risk-based capital ratio | 16.2052% | 2,776 |
| Memoranda: | ||
| Average total assets | $2,821,140,000 | 334 |
| Average earning assets | $2,634,196,600 | 327 |
| Average equity | $312,358,400 | 334 |
| Average total loans | $2,107,233,000 | 321 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 4,441 |
| Cost of funding earning assets | 1.0411% | 499 |
| Net interest margin | 2.7569% | 5,124 |
| Noninterest income to average assets | 0.1535% | 5,011 |
| Noninterest expense to average assets | 1.9014% | 4,899 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6172% | 4,458 |
| Return on assets (ROA) | 0.5913% | 4,532 |
| Pretax return on assets | 0.7926% | 4,316 |
| Return on Equity (ROE) | 5.3268% | 4,472 |
| Retained earnings to average equity (ytd only) | 5.3268% | 3,043 |
| Net charge-offs to loans | 0.0041% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 269.8007% | 346 |
| Efficiency ratio | 69.5239% | 2,268 |
| Assets per employee ($millions) | 10.8736% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 4,904 |
| Loan loss allowance to noncurrent loans | 172.7403% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 3,322 |
| Noncurrent loans to loans | 0.3954% | 3,236 |
| Net loans and leases to total assets | 74.2139% | 1,946 |
| Net loans and leases to deposits | 101.3969% | 681 |
| Net loans and leases to core deposits | 107.3347% | 1,209 |
| Total domestic deposits to total assets | 73.1915% | 5,044 |
| Equity capital to assets | 11.1523% | 2,515 |
| Core capital (leverage) ratio | 11.2689% | 2,357 |
| Tier 1 risk-based capital ratio | 16.1391% | 2,389 |
| Total risk-based capital ratio | 16.8698% | 2,536 |
| Memoranda: | ||
| Average total assets | $2,789,498,750 | 336 |
| Average earning assets | $2,603,652,500 | 328 |
| Average equity | $309,649,250 | 334 |
| Average total loans | $2,073,966,500 | 320 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7347% | 4,503 |
| Cost of funding earning assets | 0.9856% | 494 |
| Net interest margin | 2.7490% | 5,174 |
| Noninterest income to average assets | 0.1534% | 5,058 |
| Noninterest expense to average assets | 1.9471% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5805% | 4,561 |
| Return on assets (ROA) | 0.5677% | 4,592 |
| Pretax return on assets | 0.7567% | 4,374 |
| Return on Equity (ROE) | 5.1220% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.1220% | 3,016 |
| Net charge-offs to loans | 0.0038% | 3,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 275.1538% | 326 |
| Efficiency ratio | 71.3843% | 2,102 |
| Assets per employee ($millions) | 11.1390% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6859% | 4,969 |
| Loan loss allowance to noncurrent loans | 87.7283% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,355 |
| Noncurrent loans to loans | 0.7818% | 2,168 |
| Net loans and leases to total assets | 73.9794% | 1,947 |
| Net loans and leases to deposits | 102.9258% | 601 |
| Net loans and leases to core deposits | 108.5116% | 1,086 |
| Total domestic deposits to total assets | 71.8765% | 5,195 |
| Equity capital to assets | 10.9991% | 2,642 |
| Core capital (leverage) ratio | 11.2869% | 2,269 |
| Tier 1 risk-based capital ratio | 15.9347% | 2,461 |
| Total risk-based capital ratio | 16.6678% | 2,609 |
| Memoranda: | ||
| Average total assets | $2,776,954,670 | 337 |
| Average earning assets | $2,592,615,330 | 331 |
| Average equity | $307,769,000 | 333 |
| Average total loans | $2,061,104,330 | 321 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 4,411 |
| Cost of funding earning assets | 0.9567% | 458 |
| Net interest margin | 2.7710% | 5,190 |
| Noninterest income to average assets | 0.1492% | 5,120 |
| Noninterest expense to average assets | 1.9930% | 4,864 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5790% | 4,485 |
| Return on assets (ROA) | 0.5532% | 4,565 |
| Pretax return on assets | 0.7121% | 4,409 |
| Return on Equity (ROE) | 4.9717% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.9717% | 3,190 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6418% | 2,098 |
| Assets per employee ($millions) | 10.3677% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7037% | 5,022 |
| Loan loss allowance to noncurrent loans | 172.7121% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.3353% | 3,501 |
| Noncurrent loans to loans | 0.4074% | 3,327 |
| Net loans and leases to total assets | 73.6058% | 1,925 |
| Net loans and leases to deposits | 100.7955% | 652 |
| Net loans and leases to core deposits | 106.0104% | 1,238 |
| Total domestic deposits to total assets | 73.0249% | 5,221 |
| Equity capital to assets | 11.0561% | 2,528 |
| Core capital (leverage) ratio | 11.4232% | 2,070 |
| Tier 1 risk-based capital ratio | 15.4686% | 2,673 |
| Total risk-based capital ratio | 16.1917% | 2,822 |
| Memoranda: | ||
| Average total assets | $2,750,774,000 | 341 |
| Average earning assets | $2,569,742,500 | 334 |
| Average equity | $306,053,500 | 336 |
| Average total loans | $2,037,873,500 | 325 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6533% | 4,446 |
| Cost of funding earning assets | 0.9113% | 352 |
| Net interest margin | 2.7420% | 5,235 |
| Noninterest income to average assets | 0.1862% | 5,029 |
| Noninterest expense to average assets | 1.8436% | 5,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2124% | 5,089 |
| Return on assets (ROA) | 0.2225% | 5,084 |
| Pretax return on assets | 0.9121% | 3,875 |
| Return on Equity (ROE) | 1.9365% | 5,070 |
| Retained earnings to average equity (ytd only) | 1.9365% | 4,166 |
| Net charge-offs to loans | -0.0137% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1083% | 3,062 |
| Assets per employee ($millions) | 10.8920% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7189% | 5,034 |
| Loan loss allowance to noncurrent loans | 198.7385% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3055% | 3,662 |
| Noncurrent loans to loans | 0.3617% | 3,474 |
| Net loans and leases to total assets | 73.5067% | 2,002 |
| Net loans and leases to deposits | 102.1341% | 595 |
| Net loans and leases to core deposits | 107.6824% | 1,160 |
| Total domestic deposits to total assets | 71.9707% | 5,323 |
| Equity capital to assets | 11.1975% | 2,431 |
| Core capital (leverage) ratio | 11.4439% | 1,978 |
| Tier 1 risk-based capital ratio | 16.1755% | 2,368 |
| Total risk-based capital ratio | 16.9336% | 2,495 |
| Memoranda: | ||
| Average total assets | $2,649,894,600 | 333 |
| Average earning assets | $2,467,984,800 | 326 |
| Average equity | $304,466,600 | 329 |
| Average total loans | $1,940,753,600 | 320 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6295% | 4,494 |
| Cost of funding earning assets | 0.8959% | 355 |
| Net interest margin | 2.7336% | 5,294 |
| Noninterest income to average assets | 0.2023% | 5,001 |
| Noninterest expense to average assets | 1.8358% | 5,224 |
| Loan and lease loss provision to assets | 0.0253% | 3,630 |
| Net operating income to assets | 0.5725% | 4,491 |
| Return on assets (ROA) | 0.5779% | 4,508 |
| Pretax return on assets | 0.8922% | 4,065 |
| Return on Equity (ROE) | 4.9971% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.9971% | 2,888 |
| Net charge-offs to loans | -0.0114% | 4,666 |
| Credit loss provision to net charge-offs | -304.8780% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6968% | 3,095 |
| Assets per employee ($millions) | 10.7543% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 5,013 |
| Loan loss allowance to noncurrent loans | 130.8267% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.4700% | 3,162 |
| Noncurrent loans to loans | 0.5759% | 2,967 |
| Net loans and leases to total assets | 72.9607% | 2,108 |
| Net loans and leases to deposits | 101.3133% | 658 |
| Net loans and leases to core deposits | 106.6878% | 1,223 |
| Total domestic deposits to total assets | 72.0149% | 5,376 |
| Equity capital to assets | 11.5613% | 2,308 |
| Core capital (leverage) ratio | 11.8046% | 1,818 |
| Tier 1 risk-based capital ratio | 16.5070% | 2,325 |
| Total risk-based capital ratio | 17.2965% | 2,420 |
| Memoranda: | ||
| Average total assets | $2,631,618,750 | 334 |
| Average earning assets | $2,447,930,750 | 332 |
| Average equity | $304,356,250 | 331 |
| Average total loans | $1,921,922,250 | 323 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6624% | 4,336 |
| Cost of funding earning assets | 0.8812% | 346 |
| Net interest margin | 2.7812% | 5,273 |
| Noninterest income to average assets | 0.2329% | 4,840 |
| Noninterest expense to average assets | 1.8466% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6217% | 4,205 |
| Return on assets (ROA) | 0.6341% | 4,194 |
| Pretax return on assets | 0.9913% | 3,598 |
| Return on Equity (ROE) | 5.4818% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.4818% | 2,419 |
| Net charge-offs to loans | -0.0150% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3413% | 3,457 |
| Assets per employee ($millions) | 10.2989% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7559% | 5,060 |
| Loan loss allowance to noncurrent loans | 109.2852% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5227% | 3,018 |
| Noncurrent loans to loans | 0.6917% | 2,684 |
| Net loans and leases to total assets | 71.8408% | 2,226 |
| Net loans and leases to deposits | 100.2510% | 719 |
| Net loans and leases to core deposits | 105.5238% | 1,263 |
| Total domestic deposits to total assets | 71.6609% | 5,474 |
| Equity capital to assets | 11.6986% | 2,154 |
| Core capital (leverage) ratio | 11.8126% | 1,754 |
| Tier 1 risk-based capital ratio | 16.5991% | 2,280 |
| Total risk-based capital ratio | 17.3732% | 2,401 |
| Memoranda: | ||
| Average total assets | $2,612,634,670 | 341 |
| Average earning assets | $2,428,864,000 | 337 |
| Average equity | $302,197,330 | 333 |
| Average total loans | $1,903,732,330 | 329 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6352% | 4,318 |
| Cost of funding earning assets | 0.8620% | 351 |
| Net interest margin | 2.7732% | 5,297 |
| Noninterest income to average assets | 0.1936% | 5,111 |
| Noninterest expense to average assets | 1.8089% | 5,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6160% | 4,087 |
| Return on assets (ROA) | 0.6195% | 4,120 |
| Pretax return on assets | 0.9666% | 3,509 |
| Return on Equity (ROE) | 5.3871% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.3871% | 2,678 |
| Net charge-offs to loans | -0.0304% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1205% | 3,645 |
| Assets per employee ($millions) | 10.3253% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 5,183 |
| Loan loss allowance to noncurrent loans | 102.9951% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5739% | 2,938 |
| Noncurrent loans to loans | 0.7342% | 2,661 |
| Net loans and leases to total assets | 72.5011% | 2,001 |
| Net loans and leases to deposits | 102.1257% | 496 |
| Net loans and leases to core deposits | 107.2954% | 1,017 |
| Total domestic deposits to total assets | 70.9920% | 5,595 |
| Equity capital to assets | 11.6250% | 2,095 |
| Core capital (leverage) ratio | 11.7011% | 1,828 |
| Tier 1 risk-based capital ratio | 16.2915% | 2,440 |
| Total risk-based capital ratio | 17.0620% | 2,561 |
| Memoranda: | ||
| Average total assets | $2,605,841,000 | 342 |
| Average earning assets | $2,420,906,500 | 337 |
| Average equity | $299,680,000 | 333 |
| Average total loans | $1,905,064,000 | 328 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5708% | 4,588 |
| Cost of funding earning assets | 0.8934% | 309 |
| Net interest margin | 2.6775% | 5,445 |
| Noninterest income to average assets | 0.1842% | 5,298 |
| Noninterest expense to average assets | 1.8408% | 5,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5168% | 4,562 |
| Return on assets (ROA) | 0.5210% | 4,632 |
| Pretax return on assets | 0.8368% | 4,060 |
| Return on Equity (ROE) | 4.6247% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.6247% | 2,611 |
| Net charge-offs to loans | 0.0133% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 85.7831% | 679 |
| Efficiency ratio | 68.7044% | 3,127 |
| Assets per employee ($millions) | 10.5230% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7453% | 5,248 |
| Loan loss allowance to noncurrent loans | 101.1229% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.6270% | 2,845 |
| Noncurrent loans to loans | 0.7370% | 2,688 |
| Net loans and leases to total assets | 72.6160% | 2,077 |
| Net loans and leases to deposits | 103.4724% | 445 |
| Net loans and leases to core deposits | 108.3135% | 1,001 |
| Total domestic deposits to total assets | 70.1791% | 5,657 |
| Equity capital to assets | 11.3760% | 2,265 |
| Core capital (leverage) ratio | 11.6120% | 1,851 |
| Tier 1 risk-based capital ratio | 15.8259% | 2,618 |
| Total risk-based capital ratio | 16.5764% | 2,762 |
| Memoranda: | ||
| Average total assets | $2,572,758,000 | 335 |
| Average earning assets | $2,389,613,000 | 330 |
| Average equity | $289,814,600 | 330 |
| Average total loans | $1,867,039,600 | 321 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5915% | 4,580 |
| Cost of funding earning assets | 0.9001% | 299 |
| Net interest margin | 2.6914% | 5,500 |
| Noninterest income to average assets | 0.1882% | 5,330 |
| Noninterest expense to average assets | 1.8141% | 5,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5978% | 4,305 |
| Return on assets (ROA) | 0.6036% | 4,392 |
| Pretax return on assets | 0.8826% | 4,042 |
| Return on Equity (ROE) | 5.3717% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.3717% | 2,573 |
| Net charge-offs to loans | 0.0107% | 3,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 112.7929% | 601 |
| Efficiency ratio | 67.2697% | 3,369 |
| Assets per employee ($millions) | 10.4242% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7698% | 5,274 |
| Loan loss allowance to noncurrent loans | 90.9778% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.7163% | 2,770 |
| Noncurrent loans to loans | 0.8461% | 2,566 |
| Net loans and leases to total assets | 71.4497% | 2,270 |
| Net loans and leases to deposits | 100.7065% | 661 |
| Net loans and leases to core deposits | 105.4342% | 1,240 |
| Total domestic deposits to total assets | 70.9484% | 5,646 |
| Equity capital to assets | 11.4130% | 2,585 |
| Core capital (leverage) ratio | 11.7421% | 1,849 |
| Tier 1 risk-based capital ratio | 15.9076% | 2,667 |
| Total risk-based capital ratio | 16.6722% | 2,794 |
| Memoranda: | ||
| Average total assets | $2,563,521,750 | 336 |
| Average earning assets | $2,381,216,000 | 330 |
| Average equity | $288,048,000 | 331 |
| Average total loans | $1,856,477,000 | 321 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6081% | 4,563 |
| Cost of funding earning assets | 0.9143% | 270 |
| Net interest margin | 2.6938% | 5,577 |
| Noninterest income to average assets | 0.1831% | 5,401 |
| Noninterest expense to average assets | 1.8300% | 5,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5996% | 4,270 |
| Return on assets (ROA) | 0.6150% | 4,332 |
| Pretax return on assets | 0.8772% | 4,036 |
| Return on Equity (ROE) | 5.5027% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.5027% | 2,419 |
| Net charge-offs to loans | 0.0173% | 3,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 68.3125% | 792 |
| Efficiency ratio | 67.9371% | 3,355 |
| Assets per employee ($millions) | 10.1021% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7725% | 5,341 |
| Loan loss allowance to noncurrent loans | 86.0095% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 0.7813% | 2,646 |
| Noncurrent loans to loans | 0.8981% | 2,485 |
| Net loans and leases to total assets | 71.9633% | 2,177 |
| Net loans and leases to deposits | 101.6722% | 585 |
| Net loans and leases to core deposits | 106.3740% | 1,146 |
| Total domestic deposits to total assets | 70.7797% | 5,741 |
| Equity capital to assets | 11.3458% | 2,701 |
| Core capital (leverage) ratio | 11.5155% | 1,983 |
| Tier 1 risk-based capital ratio | 15.6367% | 2,809 |
| Total risk-based capital ratio | 16.3974% | 2,941 |
| Memoranda: | ||
| Average total assets | $2,556,294,330 | 335 |
| Average earning assets | $2,374,356,000 | 330 |
| Average equity | $285,714,000 | 331 |
| Average total loans | $1,854,819,670 | 316 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5582% | 4,739 |
| Cost of funding earning assets | 0.9249% | 256 |
| Net interest margin | 2.6333% | 5,689 |
| Noninterest income to average assets | 0.2007% | 5,303 |
| Noninterest expense to average assets | 1.8206% | 5,626 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5835% | 4,256 |
| Return on assets (ROA) | 0.5982% | 4,300 |
| Pretax return on assets | 0.8468% | 4,042 |
| Return on Equity (ROE) | 5.3924% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.3924% | 2,719 |
| Net charge-offs to loans | 0.0373% | 2,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 30.5202% | 1,171 |
| Efficiency ratio | 68.5682% | 3,366 |
| Assets per employee ($millions) | 10.2484% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7686% | 5,445 |
| Loan loss allowance to noncurrent loans | 81.4218% | 4,056 |
| Noncurrent assets plus other real estate owned to assets | 0.8116% | 2,654 |
| Noncurrent loans to loans | 0.9439% | 2,491 |
| Net loans and leases to total assets | 71.7992% | 2,072 |
| Net loans and leases to deposits | 101.4055% | 537 |
| Net loans and leases to core deposits | 105.9094% | 1,082 |
| Total domestic deposits to total assets | 70.8041% | 5,835 |
| Equity capital to assets | 11.0813% | 2,849 |
| Core capital (leverage) ratio | 11.4096% | 2,042 |
| Tier 1 risk-based capital ratio | 15.2562% | 3,039 |
| Total risk-based capital ratio | 16.0085% | 3,199 |
| Memoranda: | ||
| Average total assets | $2,556,530,500 | 333 |
| Average earning assets | $2,374,667,000 | 329 |
| Average equity | $283,582,000 | 328 |
| Average total loans | $1,855,443,000 | 313 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 4,609 |
| Cost of funding earning assets | 0.8841% | 313 |
| Net interest margin | 2.7394% | 5,605 |
| Noninterest income to average assets | 0.1551% | 5,643 |
| Noninterest expense to average assets | 1.8373% | 5,691 |
| Loan and lease loss provision to assets | 0.0661% | 2,963 |
| Net operating income to assets | 0.5605% | 4,462 |
| Return on assets (ROA) | 0.5289% | 4,665 |
| Pretax return on assets | 0.7526% | 4,354 |
| Return on Equity (ROE) | 4.7585% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.7585% | 2,607 |
| Net charge-offs to loans | 0.0380% | 3,465 |
| Credit loss provision to net charge-offs | 240.5248% | 1,184 |
| Earnings coverage of net charge-offs (x) | 31.4431% | 1,404 |
| Efficiency ratio | 68.0241% | 3,571 |
| Assets per employee ($millions) | 10.0423% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7827% | 5,456 |
| Loan loss allowance to noncurrent loans | 109.7983% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 3,186 |
| Noncurrent loans to loans | 0.7129% | 3,047 |
| Net loans and leases to total assets | 72.2308% | 2,010 |
| Net loans and leases to deposits | 102.9282% | 492 |
| Net loans and leases to core deposits | 107.2056% | 1,029 |
| Total domestic deposits to total assets | 70.1759% | 5,887 |
| Equity capital to assets | 11.1038% | 2,723 |
| Core capital (leverage) ratio | 11.3523% | 2,084 |
| Tier 1 risk-based capital ratio | 15.0388% | 3,164 |
| Total risk-based capital ratio | 15.7995% | 3,331 |
| Memoranda: | ||
| Average total assets | $2,497,470,400 | 319 |
| Average earning assets | $2,321,052,000 | 313 |
| Average equity | $277,606,600 | 324 |
| Average total loans | $1,805,186,600 | 305 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 4,657 |
| Cost of funding earning assets | 0.8688% | 349 |
| Net interest margin | 2.7549% | 5,655 |
| Noninterest income to average assets | 0.1428% | 5,767 |
| Noninterest expense to average assets | 1.7815% | 5,800 |
| Loan and lease loss provision to assets | 0.0536% | 3,123 |
| Net operating income to assets | 0.6193% | 4,291 |
| Return on assets (ROA) | 0.5795% | 4,575 |
| Pretax return on assets | 0.8121% | 4,299 |
| Return on Equity (ROE) | 5.2116% | 4,525 |
| Retained earnings to average equity (ytd only) | 5.2116% | 2,771 |
| Net charge-offs to loans | 0.0163% | 3,626 |
| Credit loss provision to net charge-offs | 456.6210% | 693 |
| Earnings coverage of net charge-offs (x) | 78.5076% | 753 |
| Efficiency ratio | 65.8998% | 3,904 |
| Assets per employee ($millions) | 10.1278% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7806% | 5,563 |
| Loan loss allowance to noncurrent loans | 109.3893% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 3,439 |
| Noncurrent loans to loans | 0.7136% | 3,196 |
| Net loans and leases to total assets | 71.7653% | 2,098 |
| Net loans and leases to deposits | 102.6114% | 513 |
| Net loans and leases to core deposits | 106.8279% | 1,044 |
| Total domestic deposits to total assets | 69.9389% | 5,974 |
| Equity capital to assets | 11.1320% | 2,874 |
| Core capital (leverage) ratio | 11.3371% | 2,161 |
| Tier 1 risk-based capital ratio | 14.7966% | 3,388 |
| Total risk-based capital ratio | 15.5415% | 3,603 |
| Memoranda: | ||
| Average total assets | $2,486,660,750 | 325 |
| Average earning assets | $2,311,254,500 | 318 |
| Average equity | $276,479,750 | 329 |
| Average total loans | $1,794,070,250 | 310 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 4,690 |
| Cost of funding earning assets | 0.8481% | 386 |
| Net interest margin | 2.7632% | 5,684 |
| Noninterest income to average assets | 0.1601% | 5,751 |
| Noninterest expense to average assets | 1.7941% | 5,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6764% | 3,993 |
| Return on assets (ROA) | 0.6155% | 4,388 |
| Pretax return on assets | 0.8502% | 4,129 |
| Return on Equity (ROE) | 5.5379% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.5379% | 2,518 |
| Net charge-offs to loans | 0.0148% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 87.5152% | 657 |
| Efficiency ratio | 65.7444% | 4,057 |
| Assets per employee ($millions) | 10.0287% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 5,742 |
| Loan loss allowance to noncurrent loans | 85.9529% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6572% | 3,432 |
| Noncurrent loans to loans | 0.8547% | 2,992 |
| Net loans and leases to total assets | 71.8351% | 2,013 |
| Net loans and leases to deposits | 102.2741% | 538 |
| Net loans and leases to core deposits | 106.2632% | 1,060 |
| Total domestic deposits to total assets | 70.2378% | 6,027 |
| Equity capital to assets | 11.0827% | 2,803 |
| Core capital (leverage) ratio | 11.4923% | 1,995 |
| Tier 1 risk-based capital ratio | 14.5647% | 3,599 |
| Total risk-based capital ratio | 15.2573% | 3,857 |
| Memoranda: | ||
| Average total assets | $2,471,561,670 | 330 |
| Average earning assets | $2,297,591,670 | 321 |
| Average equity | $274,687,330 | 329 |
| Average total loans | $1,781,640,000 | 308 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 4,576 |
| Cost of funding earning assets | 0.8373% | 407 |
| Net interest margin | 2.8005% | 5,638 |
| Noninterest income to average assets | 0.1170% | 6,013 |
| Noninterest expense to average assets | 1.8022% | 5,898 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6190% | 4,200 |
| Return on assets (ROA) | 0.5595% | 4,554 |
| Pretax return on assets | 0.8292% | 4,130 |
| Return on Equity (ROE) | 5.0267% | 4,513 |
| Retained earnings to average equity (ytd only) | 5.0267% | 3,039 |
| Net charge-offs to loans | 0.0195% | 2,766 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 65.3488% | 682 |
| Efficiency ratio | 66.2523% | 4,111 |
| Assets per employee ($millions) | 10.1312% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7663% | 5,770 |
| Loan loss allowance to noncurrent loans | 87.2855% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 3,497 |
| Noncurrent loans to loans | 0.8779% | 3,051 |
| Net loans and leases to total assets | 70.6308% | 2,054 |
| Net loans and leases to deposits | 98.2517% | 659 |
| Net loans and leases to core deposits | 102.0290% | 1,176 |
| Total domestic deposits to total assets | 71.8876% | 6,040 |
| Equity capital to assets | 11.1801% | 2,777 |
| Core capital (leverage) ratio | 11.4330% | 2,047 |
| Tier 1 risk-based capital ratio | 14.7316% | 3,583 |
| Total risk-based capital ratio | 15.4452% | 3,809 |
| Memoranda: | ||
| Average total assets | $2,448,746,500 | 331 |
| Average earning assets | $2,276,270,000 | 320 |
| Average equity | $272,544,000 | 331 |
| Average total loans | $1,761,655,500 | 309 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6862% | 4,828 |
| Cost of funding earning assets | 0.8434% | 534 |
| Net interest margin | 2.8428% | 5,743 |
| Noninterest income to average assets | 0.1480% | 5,953 |
| Noninterest expense to average assets | 1.9588% | 5,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5834% | 4,452 |
| Return on assets (ROA) | 0.4765% | 4,994 |
| Pretax return on assets | 0.6934% | 4,650 |
| Return on Equity (ROE) | 3.6862% | 5,239 |
| Retained earnings to average equity (ytd only) | 3.6862% | 3,598 |
| Net charge-offs to loans | 0.0369% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 32.4674% | 1,260 |
| Efficiency ratio | 69.7794% | 3,567 |
| Assets per employee ($millions) | 10.0165% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 5,859 |
| Loan loss allowance to noncurrent loans | 85.9396% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 3,571 |
| Noncurrent loans to loans | 0.8879% | 3,097 |
| Net loans and leases to total assets | 72.2071% | 1,873 |
| Net loans and leases to deposits | 100.5912% | 590 |
| Net loans and leases to core deposits | 104.1550% | 1,123 |
| Total domestic deposits to total assets | 71.7828% | 6,097 |
| Equity capital to assets | 11.1778% | 2,723 |
| Core capital (leverage) ratio | 11.2078% | 2,213 |
| Tier 1 risk-based capital ratio | 14.0663% | 4,043 |
| Total risk-based capital ratio | 14.7629% | 4,344 |
| Memoranda: | ||
| Average total assets | $2,112,660,000 | 358 |
| Average earning assets | $1,976,089,400 | 342 |
| Average equity | $273,099,800 | 312 |
| Average total loans | $1,496,903,800 | 333 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7653% | 4,666 |
| Cost of funding earning assets | 0.8591% | 519 |
| Net interest margin | 2.9062% | 5,688 |
| Noninterest income to average assets | 0.1470% | 6,038 |
| Noninterest expense to average assets | 1.8563% | 6,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6825% | 4,028 |
| Return on assets (ROA) | 0.5422% | 4,779 |
| Pretax return on assets | 0.8040% | 4,353 |
| Return on Equity (ROE) | 4.0308% | 5,156 |
| Retained earnings to average equity (ytd only) | 4.0308% | 3,782 |
| Net charge-offs to loans | 0.0289% | 3,903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 49.8326% | 980 |
| Efficiency ratio | 64.6846% | 4,438 |
| Assets per employee ($millions) | 9.0237% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9512% | 5,425 |
| Loan loss allowance to noncurrent loans | 100.5409% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.6857% | 3,772 |
| Noncurrent loans to loans | 0.9461% | 3,196 |
| Net loans and leases to total assets | 69.0155% | 2,363 |
| Net loans and leases to deposits | 100.8248% | 572 |
| Net loans and leases to core deposits | 103.3418% | 1,130 |
| Total domestic deposits to total assets | 68.4510% | 6,335 |
| Equity capital to assets | 13.4835% | 1,187 |
| Core capital (leverage) ratio | 13.7942% | 898 |
| Tier 1 risk-based capital ratio | 16.9336% | 2,641 |
| Total risk-based capital ratio | 17.7443% | 2,768 |
| Memoranda: | ||
| Average total assets | $2,032,324,750 | 362 |
| Average earning assets | $1,904,063,000 | 355 |
| Average equity | $273,358,000 | 308 |
| Average total loans | $1,428,370,750 | 338 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,676 |
| Cost of funding earning assets | 0.8436% | 575 |
| Net interest margin | 2.9108% | 5,720 |
| Noninterest income to average assets | 0.1159% | 6,219 |
| Noninterest expense to average assets | 1.8233% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6888% | 3,906 |
| Return on assets (ROA) | 0.5383% | 4,752 |
| Pretax return on assets | 0.7961% | 4,284 |
| Return on Equity (ROE) | 4.0052% | 5,149 |
| Retained earnings to average equity (ytd only) | 4.0052% | 3,635 |
| Net charge-offs to loans | 0.0001% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10,266.0000% | 2 |
| Efficiency ratio | 64.1838% | 4,662 |
| Assets per employee ($millions) | 9.1496% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 5,487 |
| Loan loss allowance to noncurrent loans | 89.6888% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 3,571 |
| Noncurrent loans to loans | 1.0807% | 3,069 |
| Net loans and leases to total assets | 69.4939% | 2,158 |
| Net loans and leases to deposits | 102.6858% | 411 |
| Net loans and leases to core deposits | 105.2441% | 944 |
| Total domestic deposits to total assets | 67.6763% | 6,433 |
| Equity capital to assets | 13.3675% | 1,204 |
| Core capital (leverage) ratio | 13.7098% | 914 |
| Tier 1 risk-based capital ratio | 17.0361% | 2,604 |
| Total risk-based capital ratio | 17.8780% | 2,737 |
| Memoranda: | ||
| Average total assets | $2,017,948,330 | 362 |
| Average earning assets | $1,889,126,000 | 353 |
| Average equity | $271,196,000 | 308 |
| Average total loans | $1,422,447,330 | 333 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,503 |
| Cost of funding earning assets | 0.8380% | 619 |
| Net interest margin | 2.9571% | 5,634 |
| Noninterest income to average assets | 0.1429% | 6,116 |
| Noninterest expense to average assets | 1.8655% | 6,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6415% | 3,990 |
| Return on assets (ROA) | 0.5435% | 4,556 |
| Pretax return on assets | 0.8913% | 3,732 |
| Return on Equity (ROE) | 4.0330% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.0330% | 3,697 |
| Net charge-offs to loans | 0.0170% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 86.7333% | 512 |
| Efficiency ratio | 64.1079% | 4,841 |
| Assets per employee ($millions) | 8.7932% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 5,565 |
| Loan loss allowance to noncurrent loans | 82.9297% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 3,528 |
| Noncurrent loans to loans | 1.1947% | 3,051 |
| Net loans and leases to total assets | 69.5083% | 1,983 |
| Net loans and leases to deposits | 99.4390% | 469 |
| Net loans and leases to core deposits | 101.7892% | 998 |
| Total domestic deposits to total assets | 69.9004% | 6,451 |
| Equity capital to assets | 13.4512% | 1,115 |
| Core capital (leverage) ratio | 13.9221% | 844 |
| Tier 1 risk-based capital ratio | 16.9726% | 2,707 |
| Total risk-based capital ratio | 17.8159% | 2,835 |
| Memoranda: | ||
| Average total assets | $1,993,017,000 | 366 |
| Average earning assets | $1,864,965,000 | 357 |
| Average equity | $268,587,000 | 310 |
| Average total loans | $1,408,137,000 | 336 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,954 |
| Cost of funding earning assets | 0.8822% | 809 |
| Net interest margin | 3.1577% | 5,134 |
| Noninterest income to average assets | 0.1377% | 6,251 |
| Noninterest expense to average assets | 1.9078% | 6,174 |
| Loan and lease loss provision to assets | 0.1477% | 2,437 |
| Net operating income to assets | 0.6602% | 3,986 |
| Return on assets (ROA) | 0.5090% | 4,825 |
| Pretax return on assets | 0.7859% | 4,202 |
| Return on Equity (ROE) | 3.8552% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.8552% | 3,458 |
| Net charge-offs to loans | 0.0635% | 4,324 |
| Credit loss provision to net charge-offs | 328.8372% | 698 |
| Earnings coverage of net charge-offs (x) | 25.9616% | 1,309 |
| Efficiency ratio | 62.0605% | 5,203 |
| Assets per employee ($millions) | 8.8448% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 5,549 |
| Loan loss allowance to noncurrent loans | 86.0306% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.8754% | 3,701 |
| Noncurrent loans to loans | 1.1657% | 3,209 |
| Net loans and leases to total assets | 70.3995% | 1,954 |
| Net loans and leases to deposits | 100.4530% | 461 |
| Net loans and leases to core deposits | 102.4203% | 1,000 |
| Total domestic deposits to total assets | 70.0820% | 6,518 |
| Equity capital to assets | 13.5021% | 1,064 |
| Core capital (leverage) ratio | 14.0602% | 811 |
| Tier 1 risk-based capital ratio | 16.8510% | 2,681 |
| Total risk-based capital ratio | 17.7002% | 2,841 |
| Memoranda: | ||
| Average total assets | $1,914,366,400 | 366 |
| Average earning assets | $1,780,153,400 | 356 |
| Average equity | $252,749,800 | 316 |
| Average total loans | $1,354,950,800 | 331 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0971% | 3,769 |
| Cost of funding earning assets | 0.8926% | 843 |
| Net interest margin | 3.2045% | 4,986 |
| Noninterest income to average assets | 0.1752% | 6,141 |
| Noninterest expense to average assets | 1.9197% | 6,153 |
| Loan and lease loss provision to assets | 0.1143% | 2,864 |
| Net operating income to assets | 0.6746% | 3,986 |
| Return on assets (ROA) | 0.5365% | 4,782 |
| Pretax return on assets | 0.9002% | 3,885 |
| Return on Equity (ROE) | 4.0877% | 5,179 |
| Retained earnings to average equity (ytd only) | 4.0877% | 3,781 |
| Net charge-offs to loans | 0.0644% | 3,992 |
| Credit loss provision to net charge-offs | 250.8475% | 977 |
| Earnings coverage of net charge-offs (x) | 27.0093% | 1,325 |
| Efficiency ratio | 60.9460% | 5,290 |
| Assets per employee ($millions) | 8.8149% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 5,937 |
| Loan loss allowance to noncurrent loans | 81.1178% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 3,723 |
| Noncurrent loans to loans | 1.1647% | 3,493 |
| Net loans and leases to total assets | 70.3812% | 1,896 |
| Net loans and leases to deposits | 98.4352% | 545 |
| Net loans and leases to core deposits | 100.3468% | 1,090 |
| Total domestic deposits to total assets | 71.5000% | 6,524 |
| Equity capital to assets | 12.9485% | 1,353 |
| Core capital (leverage) ratio | 14.0364% | 862 |
| Tier 1 risk-based capital ratio | 17.5092% | 2,506 |
| Total risk-based capital ratio | 18.3361% | 2,637 |
| Memoranda: | ||
| Average total assets | $1,899,862,250 | 371 |
| Average earning assets | $1,763,583,000 | 360 |
| Average equity | $249,359,000 | 318 |
| Average total loans | $1,343,035,000 | 336 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1633% | 3,492 |
| Cost of funding earning assets | 0.9064% | 868 |
| Net interest margin | 3.2569% | 4,747 |
| Noninterest income to average assets | 0.1765% | 6,155 |
| Noninterest expense to average assets | 1.9217% | 6,181 |
| Loan and lease loss provision to assets | 0.1304% | 2,691 |
| Net operating income to assets | 0.7230% | 3,704 |
| Return on assets (ROA) | 0.6225% | 4,345 |
| Pretax return on assets | 0.9898% | 3,555 |
| Return on Equity (ROE) | 4.7207% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.7207% | 3,252 |
| Net charge-offs to loans | 0.0867% | 3,501 |
| Credit loss provision to net charge-offs | 213.1944% | 1,136 |
| Earnings coverage of net charge-offs (x) | 20.8854% | 1,438 |
| Efficiency ratio | 60.0730% | 5,476 |
| Assets per employee ($millions) | 8.6807% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 5,981 |
| Loan loss allowance to noncurrent loans | 67.0277% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0597% | 3,627 |
| Noncurrent loans to loans | 1.4221% | 3,166 |
| Net loans and leases to total assets | 70.3335% | 1,827 |
| Net loans and leases to deposits | 95.8262% | 689 |
| Net loans and leases to core deposits | 97.7682% | 1,230 |
| Total domestic deposits to total assets | 73.3970% | 6,480 |
| Equity capital to assets | 13.2609% | 1,237 |
| Core capital (leverage) ratio | 14.4146% | 721 |
| Tier 1 risk-based capital ratio | 17.6880% | 2,440 |
| Total risk-based capital ratio | 18.5075% | 2,584 |
| Memoranda: | ||
| Average total assets | $1,883,782,000 | 370 |
| Average earning assets | $1,748,183,000 | 360 |
| Average equity | $248,395,000 | 316 |
| Average total loans | $1,329,321,670 | 339 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 3,411 |
| Cost of funding earning assets | 0.9149% | 917 |
| Net interest margin | 3.2588% | 4,684 |
| Noninterest income to average assets | 0.1765% | 6,205 |
| Noninterest expense to average assets | 1.9331% | 6,223 |
| Loan and lease loss provision to assets | 0.2183% | 1,699 |
| Net operating income to assets | 0.6544% | 3,934 |
| Return on assets (ROA) | 0.4913% | 4,867 |
| Pretax return on assets | 0.7924% | 4,196 |
| Return on Equity (ROE) | 3.7369% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.7369% | 3,991 |
| Net charge-offs to loans | 0.0755% | 3,091 |
| Credit loss provision to net charge-offs | 411.2000% | 627 |
| Earnings coverage of net charge-offs (x) | 23.8400% | 1,092 |
| Efficiency ratio | 60.4355% | 5,527 |
| Assets per employee ($millions) | 8.4457% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9685% | 6,082 |
| Loan loss allowance to noncurrent loans | 65.9699% | 4,487 |
| Noncurrent assets plus other real estate owned to assets | 1.1225% | 3,692 |
| Noncurrent loans to loans | 1.4681% | 3,358 |
| Net loans and leases to total assets | 69.9031% | 1,678 |
| Net loans and leases to deposits | 94.6300% | 630 |
| Net loans and leases to core deposits | 96.5156% | 1,176 |
| Total domestic deposits to total assets | 73.8700% | 6,540 |
| Equity capital to assets | 13.2605% | 1,313 |
| Core capital (leverage) ratio | 14.2596% | 727 |
| Tier 1 risk-based capital ratio | 17.4215% | 2,592 |
| Total risk-based capital ratio | 18.2471% | 2,726 |
| Memoranda: | ||
| Average total assets | $1,883,819,500 | 374 |
| Average earning assets | $1,747,006,000 | 368 |
| Average equity | $247,694,000 | 323 |
| Average total loans | $1,325,168,500 | 341 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 3,453 |
| Cost of funding earning assets | 1.0883% | 947 |
| Net interest margin | 3.3989% | 4,886 |
| Noninterest income to average assets | 0.2706% | 5,524 |
| Noninterest expense to average assets | 1.9315% | 6,454 |
| Loan and lease loss provision to assets | 0.0398% | 5,368 |
| Net operating income to assets | 0.8877% | 2,878 |
| Return on assets (ROA) | 0.3740% | 5,434 |
| Pretax return on assets | 0.6313% | 4,886 |
| Return on Equity (ROE) | 2.8826% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.8826% | 4,212 |
| Net charge-offs to loans | 0.2456% | 3,469 |
| Credit loss provision to net charge-offs | 23.7090% | 5,232 |
| Earnings coverage of net charge-offs (x) | 8.7788% | 2,354 |
| Efficiency ratio | 56.7208% | 5,978 |
| Assets per employee ($millions) | 8.3006% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 6,230 |
| Loan loss allowance to noncurrent loans | 80.2361% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 0.8570% | 4,333 |
| Noncurrent loans to loans | 1.1415% | 3,941 |
| Net loans and leases to total assets | 69.4608% | 1,950 |
| Net loans and leases to deposits | 94.6903% | 704 |
| Net loans and leases to core deposits | 96.5071% | 1,261 |
| Total domestic deposits to total assets | 73.3558% | 6,593 |
| Equity capital to assets | 13.0366% | 1,428 |
| Core capital (leverage) ratio | 14.1174% | 766 |
| Tier 1 risk-based capital ratio | 17.0613% | 2,621 |
| Total risk-based capital ratio | 17.8276% | 2,819 |
| Memoranda: | ||
| Average total assets | $1,834,052,400 | 381 |
| Average earning assets | $1,691,487,800 | 370 |
| Average equity | $237,944,600 | 322 |
| Average total loans | $1,253,917,800 | 352 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 3,403 |
| Cost of funding earning assets | 1.1323% | 937 |
| Net interest margin | 3.4232% | 4,955 |
| Noninterest income to average assets | 0.2850% | 5,506 |
| Noninterest expense to average assets | 1.9694% | 6,402 |
| Loan and lease loss provision to assets | 0.0512% | 5,114 |
| Net operating income to assets | 0.8693% | 3,133 |
| Return on assets (ROA) | 0.2485% | 5,981 |
| Pretax return on assets | 0.4482% | 5,603 |
| Return on Equity (ROE) | 1.9179% | 6,048 |
| Retained earnings to average equity (ytd only) | 1.9179% | 5,372 |
| Net charge-offs to loans | 0.3552% | 2,681 |
| Credit loss provision to net charge-offs | 21.2379% | 4,933 |
| Earnings coverage of net charge-offs (x) | 6.0907% | 2,854 |
| Efficiency ratio | 57.2691% | 5,886 |
| Assets per employee ($millions) | 8.2893% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,253 |
| Loan loss allowance to noncurrent loans | 74.4503% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3166% | 3,656 |
| Noncurrent loans to loans | 1.2735% | 3,920 |
| Net loans and leases to total assets | 67.8898% | 2,315 |
| Net loans and leases to deposits | 90.3719% | 1,106 |
| Net loans and leases to core deposits | 92.0761% | 1,774 |
| Total domestic deposits to total assets | 75.1227% | 6,503 |
| Equity capital to assets | 13.3217% | 1,428 |
| Core capital (leverage) ratio | 14.1917% | 776 |
| Tier 1 risk-based capital ratio | 16.9166% | 2,776 |
| Total risk-based capital ratio | 17.6835% | 3,004 |
| Memoranda: | ||
| Average total assets | $1,821,504,750 | 383 |
| Average earning assets | $1,678,142,750 | 372 |
| Average equity | $236,020,500 | 326 |
| Average total loans | $1,237,170,250 | 359 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 3,403 |
| Cost of funding earning assets | 1.1591% | 982 |
| Net interest margin | 3.4321% | 4,962 |
| Noninterest income to average assets | 0.2823% | 5,556 |
| Noninterest expense to average assets | 1.9980% | 6,438 |
| Loan and lease loss provision to assets | 0.0494% | 5,055 |
| Net operating income to assets | 0.9477% | 2,669 |
| Return on assets (ROA) | 0.1395% | 6,232 |
| Pretax return on assets | 0.2051% | 6,138 |
| Return on Equity (ROE) | 1.0868% | 6,283 |
| Retained earnings to average equity (ytd only) | 1.0868% | 5,638 |
| Net charge-offs to loans | 0.3875% | 2,473 |
| Credit loss provision to net charge-offs | 18.8363% | 4,625 |
| Earnings coverage of net charge-offs (x) | 5.4994% | 2,822 |
| Efficiency ratio | 58.0631% | 5,862 |
| Assets per employee ($millions) | 8.3401% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0050% | 6,139 |
| Loan loss allowance to noncurrent loans | 95.2120% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 1.1629% | 4,067 |
| Noncurrent loans to loans | 1.0556% | 4,406 |
| Net loans and leases to total assets | 67.4534% | 2,383 |
| Net loans and leases to deposits | 91.1851% | 1,031 |
| Net loans and leases to core deposits | 92.8855% | 1,694 |
| Total domestic deposits to total assets | 73.9742% | 6,679 |
| Equity capital to assets | 13.0017% | 1,519 |
| Core capital (leverage) ratio | 14.2334% | 752 |
| Tier 1 risk-based capital ratio | 17.0956% | 2,627 |
| Total risk-based capital ratio | 17.9065% | 2,779 |
| Memoranda: | ||
| Average total assets | $1,820,794,330 | 384 |
| Average earning assets | $1,675,848,000 | 372 |
| Average equity | $233,714,330 | 326 |
| Average total loans | $1,232,922,330 | 360 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6500% | 3,268 |
| Cost of funding earning assets | 1.1785% | 1,072 |
| Net interest margin | 3.4714% | 4,824 |
| Noninterest income to average assets | 0.3542% | 5,037 |
| Noninterest expense to average assets | 1.9528% | 6,548 |
| Loan and lease loss provision to assets | 0.0990% | 4,106 |
| Net operating income to assets | 0.9489% | 2,697 |
| Return on assets (ROA) | 0.2885% | 5,865 |
| Pretax return on assets | 0.4625% | 5,550 |
| Return on Equity (ROE) | 2.2620% | 5,986 |
| Retained earnings to average equity (ytd only) | 2.2620% | 5,127 |
| Net charge-offs to loans | 0.2963% | 2,476 |
| Credit loss provision to net charge-offs | 49.5050% | 3,298 |
| Earnings coverage of net charge-offs (x) | 7.9670% | 2,016 |
| Efficiency ratio | 55.0661% | 6,220 |
| Assets per employee ($millions) | 8.1817% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,768 |
| Loan loss allowance to noncurrent loans | 83.3413% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 1.3516% | 3,858 |
| Noncurrent loans to loans | 1.3650% | 4,074 |
| Net loans and leases to total assets | 66.9250% | 2,301 |
| Net loans and leases to deposits | 90.8353% | 891 |
| Net loans and leases to core deposits | 92.5253% | 1,591 |
| Total domestic deposits to total assets | 73.6773% | 6,774 |
| Equity capital to assets | 12.8672% | 1,500 |
| Core capital (leverage) ratio | 14.3681% | 717 |
| Tier 1 risk-based capital ratio | 16.7377% | 2,789 |
| Total risk-based capital ratio | 17.6253% | 2,929 |
| Memoranda: | ||
| Average total assets | $1,817,947,500 | 384 |
| Average earning assets | $1,671,581,500 | 370 |
| Average equity | $231,834,000 | 322 |
| Average total loans | $1,227,115,000 | 358 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 4,173 |
| Cost of funding earning assets | 1.3426% | 1,277 |
| Net interest margin | 3.3755% | 5,562 |
| Noninterest income to average assets | 0.2331% | 5,871 |
| Noninterest expense to average assets | 1.9486% | 6,764 |
| Loan and lease loss provision to assets | 0.2990% | 3,273 |
| Net operating income to assets | 0.7396% | 3,295 |
| Return on assets (ROA) | 0.7283% | 3,518 |
| Pretax return on assets | 1.0943% | 2,859 |
| Return on Equity (ROE) | 5.7155% | 4,020 |
| Retained earnings to average equity (ytd only) | 5.7155% | 2,166 |
| Net charge-offs to loans | 0.2550% | 4,182 |
| Credit loss provision to net charge-offs | 175.8385% | 1,493 |
| Earnings coverage of net charge-offs (x) | 8.2927% | 2,173 |
| Efficiency ratio | 58.0154% | 6,057 |
| Assets per employee ($millions) | 8.2333% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 5,483 |
| Loan loss allowance to noncurrent loans | 76.6622% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.5043% | 3,696 |
| Noncurrent loans to loans | 1.5388% | 3,846 |
| Net loans and leases to total assets | 66.5113% | 2,685 |
| Net loans and leases to deposits | 90.3925% | 1,114 |
| Net loans and leases to core deposits | 91.8335% | 1,899 |
| Total domestic deposits to total assets | 73.5806% | 6,761 |
| Equity capital to assets | 12.6381% | 1,711 |
| Core capital (leverage) ratio | 14.3623% | 742 |
| Tier 1 risk-based capital ratio | 16.6805% | 2,742 |
| Total risk-based capital ratio | 17.7513% | 2,786 |
| Memoranda: | ||
| Average total assets | $1,805,953,200 | 370 |
| Average earning assets | $1,672,309,200 | 359 |
| Average equity | $230,127,400 | 313 |
| Average total loans | $1,204,216,800 | 359 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 4,322 |
| Cost of funding earning assets | 1.3754% | 1,340 |
| Net interest margin | 3.3546% | 5,701 |
| Noninterest income to average assets | 0.2476% | 5,846 |
| Noninterest expense to average assets | 1.8865% | 6,865 |
| Loan and lease loss provision to assets | 0.2996% | 3,127 |
| Net operating income to assets | 0.7769% | 3,269 |
| Return on assets (ROA) | 0.7715% | 3,457 |
| Pretax return on assets | 1.1643% | 2,768 |
| Return on Equity (ROE) | 6.0418% | 4,004 |
| Retained earnings to average equity (ytd only) | 6.0418% | 2,536 |
| Net charge-offs to loans | 0.4065% | 3,100 |
| Credit loss provision to net charge-offs | 110.7768% | 2,973 |
| Earnings coverage of net charge-offs (x) | 5.4437% | 2,782 |
| Efficiency ratio | 56.1698% | 6,258 |
| Assets per employee ($millions) | 8.2621% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 6,128 |
| Loan loss allowance to noncurrent loans | 63.0251% | 4,316 |
| Noncurrent assets plus other real estate owned to assets | 1.5685% | 3,741 |
| Noncurrent loans to loans | 1.6329% | 3,847 |
| Net loans and leases to total assets | 66.5057% | 2,780 |
| Net loans and leases to deposits | 91.1605% | 1,091 |
| Net loans and leases to core deposits | 92.5539% | 1,931 |
| Total domestic deposits to total assets | 72.9546% | 6,860 |
| Equity capital to assets | 12.9427% | 1,643 |
| Core capital (leverage) ratio | 14.3080% | 815 |
| Tier 1 risk-based capital ratio | 16.6505% | 2,785 |
| Total risk-based capital ratio | 17.5786% | 2,919 |
| Memoranda: | ||
| Average total assets | $1,802,554,000 | 373 |
| Average earning assets | $1,671,676,750 | 361 |
| Average equity | $230,170,250 | 318 |
| Average total loans | $1,199,107,750 | 357 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 4,341 |
| Cost of funding earning assets | 1.4115% | 1,367 |
| Net interest margin | 3.3305% | 5,771 |
| Noninterest income to average assets | 0.2146% | 6,132 |
| Noninterest expense to average assets | 1.8875% | 6,969 |
| Loan and lease loss provision to assets | 0.3000% | 3,004 |
| Net operating income to assets | 0.7440% | 3,320 |
| Return on assets (ROA) | 0.7568% | 3,388 |
| Pretax return on assets | 1.1376% | 2,703 |
| Return on Equity (ROE) | 5.9537% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.9537% | 2,463 |
| Net charge-offs to loans | 0.3755% | 3,054 |
| Credit loss provision to net charge-offs | 120.4819% | 2,534 |
| Earnings coverage of net charge-offs (x) | 5.6975% | 2,550 |
| Efficiency ratio | 57.0939% | 6,283 |
| Assets per employee ($millions) | 8.1217% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 6,174 |
| Loan loss allowance to noncurrent loans | 37.9107% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 1.8586% | 3,425 |
| Noncurrent loans to loans | 2.7492% | 2,653 |
| Net loans and leases to total assets | 66.2369% | 2,986 |
| Net loans and leases to deposits | 91.6773% | 1,095 |
| Net loans and leases to core deposits | 93.0456% | 2,012 |
| Total domestic deposits to total assets | 72.2501% | 6,989 |
| Equity capital to assets | 12.9691% | 1,532 |
| Core capital (leverage) ratio | 14.1465% | 836 |
| Tier 1 risk-based capital ratio | 16.5741% | 2,707 |
| Total risk-based capital ratio | 17.5054% | 2,824 |
| Memoranda: | ||
| Average total assets | $1,800,274,670 | 378 |
| Average earning assets | $1,670,959,670 | 370 |
| Average equity | $228,832,000 | 322 |
| Average total loans | $1,193,523,000 | 363 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 4,136 |
| Cost of funding earning assets | 1.4307% | 1,464 |
| Net interest margin | 3.3520% | 5,602 |
| Noninterest income to average assets | 0.1801% | 6,432 |
| Noninterest expense to average assets | 1.8943% | 6,997 |
| Loan and lease loss provision to assets | 0.3002% | 2,758 |
| Net operating income to assets | 0.7283% | 3,391 |
| Return on assets (ROA) | 0.7840% | 3,179 |
| Pretax return on assets | 1.1792% | 2,453 |
| Return on Equity (ROE) | 6.2316% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.2316% | 2,507 |
| Net charge-offs to loans | 0.4445% | 2,361 |
| Credit loss provision to net charge-offs | 102.3503% | 2,590 |
| Earnings coverage of net charge-offs (x) | 4.7559% | 2,403 |
| Efficiency ratio | 57.5919% | 6,315 |
| Assets per employee ($millions) | 8.0230% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 6,266 |
| Loan loss allowance to noncurrent loans | 31.3088% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 2.1786% | 3,092 |
| Noncurrent loans to loans | 3.3078% | 2,272 |
| Net loans and leases to total assets | 64.8942% | 3,264 |
| Net loans and leases to deposits | 88.8676% | 1,371 |
| Net loans and leases to core deposits | 90.1456% | 2,332 |
| Total domestic deposits to total assets | 73.0234% | 6,999 |
| Equity capital to assets | 12.7613% | 1,492 |
| Core capital (leverage) ratio | 14.0406% | 841 |
| Tier 1 risk-based capital ratio | 15.1945% | 3,321 |
| Total risk-based capital ratio | 15.9220% | 3,590 |
| Memoranda: | ||
| Average total assets | $1,798,903,000 | 380 |
| Average earning assets | $1,668,507,500 | 372 |
| Average equity | $226,330,500 | 321 |
| Average total loans | $1,186,863,500 | 374 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8985% | 5,040 |
| Cost of funding earning assets | 1.8921% | 867 |
| Net interest margin | 3.0064% | 6,723 |
| Noninterest income to average assets | 0.2158% | 6,269 |
| Noninterest expense to average assets | 1.8004% | 7,265 |
| Loan and lease loss provision to assets | 0.4350% | 3,514 |
| Net operating income to assets | 0.5320% | 3,956 |
| Return on assets (ROA) | 0.5159% | 4,176 |
| Pretax return on assets | 0.7434% | 3,820 |
| Return on Equity (ROE) | 4.4574% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.4574% | 2,743 |
| Net charge-offs to loans | 0.5689% | 3,346 |
| Credit loss provision to net charge-offs | 118.5374% | 3,585 |
| Earnings coverage of net charge-offs (x) | 3.2744% | 3,439 |
| Efficiency ratio | 59.9733% | 6,052 |
| Assets per employee ($millions) | 8.1472% | 459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,342 |
| Loan loss allowance to noncurrent loans | 32.8785% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 2.0474% | 3,287 |
| Noncurrent loans to loans | 3.0703% | 2,484 |
| Net loans and leases to total assets | 65.7064% | 3,520 |
| Net loans and leases to deposits | 90.3062% | 1,481 |
| Net loans and leases to core deposits | 91.7102% | 2,531 |
| Total domestic deposits to total assets | 72.7596% | 7,020 |
| Equity capital to assets | 12.4038% | 1,695 |
| Core capital (leverage) ratio | 13.7010% | 928 |
| Tier 1 risk-based capital ratio | 15.2850% | 3,109 |
| Total risk-based capital ratio | 16.0251% | 3,337 |
| Memoranda: | ||
| Average total assets | $1,874,247,600 | 373 |
| Average earning assets | $1,736,966,000 | 358 |
| Average equity | $216,944,400 | 328 |
| Average total loans | $1,208,916,800 | 374 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 5,278 |
| Cost of funding earning assets | 1.9809% | 800 |
| Net interest margin | 2.9166% | 6,982 |
| Noninterest income to average assets | 0.2157% | 6,365 |
| Noninterest expense to average assets | 1.7601% | 7,383 |
| Loan and lease loss provision to assets | 0.4299% | 3,330 |
| Net operating income to assets | 0.5006% | 4,313 |
| Return on assets (ROA) | 0.4816% | 4,597 |
| Pretax return on assets | 0.7013% | 4,225 |
| Return on Equity (ROE) | 4.2331% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.2331% | 3,510 |
| Net charge-offs to loans | 0.4847% | 3,336 |
| Credit loss provision to net charge-offs | 138.4825% | 2,880 |
| Earnings coverage of net charge-offs (x) | 3.7324% | 3,318 |
| Efficiency ratio | 60.3025% | 5,906 |
| Assets per employee ($millions) | 8.4903% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 6,289 |
| Loan loss allowance to noncurrent loans | 30.3731% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 2.2293% | 3,159 |
| Noncurrent loans to loans | 3.3716% | 2,365 |
| Net loans and leases to total assets | 65.1723% | 3,874 |
| Net loans and leases to deposits | 90.5401% | 1,646 |
| Net loans and leases to core deposits | 91.9848% | 2,799 |
| Total domestic deposits to total assets | 71.9817% | 7,134 |
| Equity capital to assets | 11.8704% | 2,240 |
| Core capital (leverage) ratio | 13.1984% | 1,155 |
| Tier 1 risk-based capital ratio | 14.8058% | 3,339 |
| Total risk-based capital ratio | 15.5558% | 3,590 |
| Memoranda: | ||
| Average total assets | $1,890,638,750 | 368 |
| Average earning assets | $1,752,173,250 | 351 |
| Average equity | $215,094,250 | 322 |
| Average total loans | $1,211,011,000 | 370 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 5,324 |
| Cost of funding earning assets | 2.0555% | 759 |
| Net interest margin | 2.8598% | 7,067 |
| Noninterest income to average assets | 0.2337% | 6,236 |
| Noninterest expense to average assets | 1.7261% | 7,483 |
| Loan and lease loss provision to assets | 0.3905% | 3,376 |
| Net operating income to assets | 0.5203% | 4,237 |
| Return on assets (ROA) | 0.4933% | 4,518 |
| Pretax return on assets | 0.7277% | 4,144 |
| Return on Equity (ROE) | 4.3983% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.3983% | 3,279 |
| Net charge-offs to loans | 0.5382% | 2,914 |
| Credit loss provision to net charge-offs | 114.3209% | 3,562 |
| Earnings coverage of net charge-offs (x) | 3.3896% | 3,343 |
| Efficiency ratio | 59.8512% | 6,070 |
| Assets per employee ($millions) | 8.5552% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,659 |
| Loan loss allowance to noncurrent loans | 26.8571% | 6,561 |
| Noncurrent assets plus other real estate owned to assets | 2.2197% | 3,237 |
| Noncurrent loans to loans | 3.4671% | 2,288 |
| Net loans and leases to total assets | 63.0670% | 4,451 |
| Net loans and leases to deposits | 88.6441% | 2,064 |
| Net loans and leases to core deposits | 90.4136% | 3,198 |
| Total domestic deposits to total assets | 71.1463% | 7,253 |
| Equity capital to assets | 11.3924% | 2,529 |
| Core capital (leverage) ratio | 12.7357% | 1,312 |
| Tier 1 risk-based capital ratio | 14.6046% | 3,383 |
| Total risk-based capital ratio | 15.2775% | 3,680 |
| Memoranda: | ||
| Average total assets | $1,901,058,330 | 366 |
| Average earning assets | $1,761,772,330 | 351 |
| Average equity | $213,220,330 | 325 |
| Average total loans | $1,206,568,330 | 376 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 5,170 |
| Cost of funding earning assets | 2.1050% | 802 |
| Net interest margin | 2.8609% | 7,084 |
| Noninterest income to average assets | 0.2365% | 6,261 |
| Noninterest expense to average assets | 1.7046% | 7,575 |
| Loan and lease loss provision to assets | 0.4821% | 2,572 |
| Net operating income to assets | 0.4926% | 4,427 |
| Return on assets (ROA) | 0.4311% | 4,841 |
| Pretax return on assets | 0.6130% | 4,558 |
| Return on Equity (ROE) | 3.8739% | 4,947 |
| Retained earnings to average equity (ytd only) | 3.8739% | 3,816 |
| Net charge-offs to loans | 0.5748% | 2,368 |
| Credit loss provision to net charge-offs | 132.3495% | 2,669 |
| Earnings coverage of net charge-offs (x) | 3.2477% | 2,971 |
| Efficiency ratio | 59.0335% | 6,334 |
| Assets per employee ($millions) | 8.7665% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 6,690 |
| Loan loss allowance to noncurrent loans | 26.2597% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 2.2848% | 3,169 |
| Noncurrent loans to loans | 3.5978% | 2,217 |
| Net loans and leases to total assets | 62.5591% | 4,646 |
| Net loans and leases to deposits | 87.6993% | 2,281 |
| Net loans and leases to core deposits | 89.4656% | 3,437 |
| Total domestic deposits to total assets | 71.3336% | 7,321 |
| Equity capital to assets | 11.1762% | 2,613 |
| Core capital (leverage) ratio | 12.5484% | 1,390 |
| Tier 1 risk-based capital ratio | 15.3466% | 2,945 |
| Total risk-based capital ratio | 16.0675% | 3,158 |
| Memoranda: | ||
| Average total assets | $1,897,687,500 | 380 |
| Average earning assets | $1,758,474,500 | 364 |
| Average equity | $211,158,000 | 330 |
| Average total loans | $1,202,602,000 | 395 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 5,395 |
| Cost of funding earning assets | 2.5920% | 797 |
| Net interest margin | 2.6614% | 7,262 |
| Noninterest income to average assets | 0.1821% | 6,786 |
| Noninterest expense to average assets | 1.7640% | 7,646 |
| Loan and lease loss provision to assets | 0.4337% | 4,224 |
| Net operating income to assets | 0.3562% | 4,302 |
| Return on assets (ROA) | 0.3133% | 4,567 |
| Pretax return on assets | 0.4018% | 4,496 |
| Return on Equity (ROE) | 2.8984% | 4,550 |
| Retained earnings to average equity (ytd only) | 2.8984% | 3,146 |
| Net charge-offs to loans | 0.2535% | 5,033 |
| Credit loss provision to net charge-offs | 266.6451% | 1,313 |
| Earnings coverage of net charge-offs (x) | 5.4749% | 2,587 |
| Efficiency ratio | 66.4548% | 5,297 |
| Assets per employee ($millions) | 8.6040% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 6,788 |
| Loan loss allowance to noncurrent loans | 25.1257% | 6,786 |
| Noncurrent assets plus other real estate owned to assets | 2.2905% | 3,020 |
| Noncurrent loans to loans | 3.6019% | 2,098 |
| Net loans and leases to total assets | 63.0158% | 4,804 |
| Net loans and leases to deposits | 88.6542% | 2,448 |
| Net loans and leases to core deposits | 103.2687% | 3,657 |
| Total domestic deposits to total assets | 71.0804% | 7,333 |
| Equity capital to assets | 11.0773% | 2,649 |
| Core capital (leverage) ratio | 12.5994% | 1,406 |
| Tier 1 risk-based capital ratio | 18.7723% | 1,705 |
| Total risk-based capital ratio | 19.6178% | 1,743 |
| Memoranda: | ||
| Average total assets | $1,896,796,000 | 366 |
| Average earning assets | $1,762,108,400 | 363 |
| Average equity | $205,008,800 | 346 |
| Average total loans | $1,216,748,200 | 403 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2905% | 5,480 |
| Cost of funding earning assets | 2.7057% | 779 |
| Net interest margin | 2.5848% | 7,371 |
| Noninterest income to average assets | 0.1837% | 6,912 |
| Noninterest expense to average assets | 1.7199% | 7,738 |
| Loan and lease loss provision to assets | 0.2721% | 4,791 |
| Net operating income to assets | 0.4342% | 4,262 |
| Return on assets (ROA) | 0.3844% | 4,564 |
| Pretax return on assets | 0.5274% | 4,434 |
| Return on Equity (ROE) | 3.5789% | 4,545 |
| Retained earnings to average equity (ytd only) | 3.5789% | 3,285 |
| Net charge-offs to loans | 0.2368% | 4,571 |
| Credit loss provision to net charge-offs | 178.7460% | 2,572 |
| Earnings coverage of net charge-offs (x) | 5.7003% | 2,751 |
| Efficiency ratio | 66.4678% | 5,292 |
| Assets per employee ($millions) | 8.8813% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6109% | 7,558 |
| Loan loss allowance to noncurrent loans | 18.8577% | 7,149 |
| Noncurrent assets plus other real estate owned to assets | 2.0777% | 3,239 |
| Noncurrent loans to loans | 3.2397% | 2,337 |
| Net loans and leases to total assets | 63.7418% | 4,917 |
| Net loans and leases to deposits | 89.9283% | 2,596 |
| Net loans and leases to core deposits | 104.4554% | 3,881 |
| Total domestic deposits to total assets | 70.8807% | 7,341 |
| Equity capital to assets | 11.0070% | 2,995 |
| Core capital (leverage) ratio | 12.4340% | 1,607 |
| Tier 1 risk-based capital ratio | 15.9469% | 2,647 |
| Total risk-based capital ratio | 16.4423% | 2,898 |
| Memoranda: | ||
| Average total assets | $1,899,926,500 | 381 |
| Average earning assets | $1,766,919,500 | 372 |
| Average equity | $204,079,250 | 358 |
| Average total loans | $1,221,376,750 | 418 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 5,449 |
| Cost of funding earning assets | 2.8426% | 708 |
| Net interest margin | 2.4971% | 7,481 |
| Noninterest income to average assets | 0.1912% | 6,929 |
| Noninterest expense to average assets | 1.7514% | 7,789 |
| Loan and lease loss provision to assets | 0.3760% | 3,672 |
| Net operating income to assets | 0.3003% | 4,897 |
| Return on assets (ROA) | 0.2756% | 5,099 |
| Pretax return on assets | 0.3538% | 5,063 |
| Return on Equity (ROE) | 2.5871% | 5,064 |
| Retained earnings to average equity (ytd only) | 2.5871% | 3,888 |
| Net charge-offs to loans | 0.3331% | 3,508 |
| Credit loss provision to net charge-offs | 175.4291% | 2,611 |
| Earnings coverage of net charge-offs (x) | 3.5527% | 3,396 |
| Efficiency ratio | 69.6980% | 4,844 |
| Assets per employee ($millions) | 8.7451% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 7,629 |
| Loan loss allowance to noncurrent loans | 21.0721% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 3,448 |
| Noncurrent loans to loans | 2.8533% | 2,527 |
| Net loans and leases to total assets | 63.3742% | 5,109 |
| Net loans and leases to deposits | 90.7038% | 2,717 |
| Net loans and leases to core deposits | 101.4474% | 4,352 |
| Total domestic deposits to total assets | 69.8694% | 7,487 |
| Equity capital to assets | 10.7654% | 3,149 |
| Core capital (leverage) ratio | 12.2946% | 1,699 |
| Tier 1 risk-based capital ratio | 17.3825% | 2,183 |
| Total risk-based capital ratio | 17.9162% | 2,351 |
| Memoranda: | ||
| Average total assets | $1,902,660,330 | 390 |
| Average earning assets | $1,769,006,000 | 383 |
| Average equity | $202,698,330 | 364 |
| Average total loans | $1,224,091,670 | 433 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3843% | 5,506 |
| Cost of funding earning assets | 2.9639% | 660 |
| Net interest margin | 2.4204% | 7,595 |
| Noninterest income to average assets | 0.1787% | 7,023 |
| Noninterest expense to average assets | 1.6626% | 7,859 |
| Loan and lease loss provision to assets | 0.2675% | 3,820 |
| Net operating income to assets | 0.3626% | 5,004 |
| Return on assets (ROA) | 0.3626% | 5,191 |
| Pretax return on assets | 0.5004% | 5,077 |
| Return on Equity (ROE) | 3.4214% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.4214% | 3,984 |
| Net charge-offs to loans | 0.5047% | 2,201 |
| Credit loss provision to net charge-offs | 82.0167% | 4,162 |
| Earnings coverage of net charge-offs (x) | 2.3545% | 3,549 |
| Efficiency ratio | 68.4047% | 4,891 |
| Assets per employee ($millions) | 8.8070% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4474% | 7,899 |
| Loan loss allowance to noncurrent loans | 45.5868% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 0.6253% | 5,619 |
| Noncurrent loans to loans | 0.9813% | 5,032 |
| Net loans and leases to total assets | 63.4386% | 5,085 |
| Net loans and leases to deposits | 90.7792% | 2,814 |
| Net loans and leases to core deposits | 101.8877% | 4,358 |
| Total domestic deposits to total assets | 69.8823% | 7,437 |
| Equity capital to assets | 10.6552% | 3,321 |
| Core capital (leverage) ratio | 12.0827% | 1,865 |
| Tier 1 risk-based capital ratio | 18.9292% | 1,828 |
| Total risk-based capital ratio | 19.3643% | 1,975 |
| Memoranda: | ||
| Average total assets | $1,909,521,000 | 387 |
| Average earning assets | $1,776,564,500 | 377 |
| Average equity | $202,371,500 | 361 |
| Average total loans | $1,233,967,000 | 434 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5185% | 7,257 |
| Cost of funding earning assets | 3.3754% | 746 |
| Net interest margin | 2.1431% | 7,992 |
| Noninterest income to average assets | 0.1969% | 7,041 |
| Noninterest expense to average assets | 1.5875% | 7,976 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.4438% | 4,977 |
| Return on assets (ROA) | 0.4438% | 4,800 |
| Pretax return on assets | 0.6179% | 4,634 |
| Return on Equity (ROE) | 3.9212% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.9212% | 2,685 |
| Net charge-offs to loans | 0.0507% | 6,063 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 19.4474% | 1,629 |
| Efficiency ratio | 71.9837% | 3,943 |
| Assets per employee ($millions) | 8.7923% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4542% | 7,908 |
| Loan loss allowance to noncurrent loans | 61.6607% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4825% | 5,766 |
| Noncurrent loans to loans | 0.7366% | 5,189 |
| Net loans and leases to total assets | 65.2157% | 5,010 |
| Net loans and leases to deposits | 95.6693% | 2,495 |
| Net loans and leases to core deposits | 107.3038% | 4,044 |
| Total domestic deposits to total assets | 68.1678% | 7,454 |
| Equity capital to assets | 10.5413% | 3,446 |
| Core capital (leverage) ratio | 11.9172% | 2,014 |
| Tier 1 risk-based capital ratio | 18.8652% | 1,843 |
| Total risk-based capital ratio | 19.3245% | 1,970 |
| Memoranda: | ||
| Average total assets | $1,913,684,200 | 374 |
| Average earning assets | $1,793,426,800 | 364 |
| Average equity | $216,594,000 | 345 |
| Average total loans | $1,199,630,800 | 431 |