Home > Stellar Bank > Performance and Condition Ratios
Stellar Bank, Performance and Condition Ratios
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2885% | 900 |
| Cost of funding earning assets | 2.0048% | 2,203 |
| Net interest margin | 4.2836% | 823 |
| Noninterest income to average assets | 0.2200% | 3,570 |
| Noninterest expense to average assets | 2.5957% | 1,973 |
| Loan and lease loss provision to assets | -0.0500% | 4,301 |
| Net operating income to assets | 1.1979% | 1,524 |
| Return on assets (ROA) | 1.1981% | 1,530 |
| Pretax return on assets | 1.5272% | 1,270 |
| Return on Equity (ROE) | 8.1000% | 2,745 |
| Retained earnings to average equity (ytd only) | 2.8199% | 3,233 |
| Net charge-offs to loans | 0.0797% | 1,114 |
| Credit loss provision to net charge-offs | -54.6061% | 4,369 |
| Earnings coverage of net charge-offs (x) | 25.4806% | 1,618 |
| Efficiency ratio | 57.9842% | 3,355 |
| Assets per employee ($millions) | 10.2084% | 718 |
| Cash dividends to net income (ytd only)* | 65.1809% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 2,650 |
| Loan loss allowance to noncurrent loans | 262.9154% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.3372% | 1,864 |
| Noncurrent loans to loans | 0.4256% | 2,012 |
| Net loans and leases to total assets | 70.3300% | 1,801 |
| Net loans and leases to deposits | 84.8154% | 1,748 |
| Net loans and leases to core deposits | 98.5028% | 1,581 |
| Total domestic deposits to total assets | 82.9200% | 2,874 |
| Equity capital to assets | 15.3072% | 551 |
| Core capital (leverage) ratio | 11.1564% | 1,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0687% | 1,514 |
| Memoranda: | ||
| Average total assets | $10,670,715,000 | 156 |
| Average earning assets | $9,591,366,500 | 153 |
| Average equity | $1,578,625,750 | 124 |
| Average total loans | $7,774,566,250 | 150 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2636% | 848 |
| Cost of funding earning assets | 1.9794% | 2,172 |
| Net interest margin | 4.2842% | 809 |
| Noninterest income to average assets | 0.2200% | 3,548 |
| Noninterest expense to average assets | 2.5897% | 1,981 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.1194% | 1,672 |
| Return on assets (ROA) | 1.1192% | 1,670 |
| Pretax return on assets | 1.4359% | 1,404 |
| Return on Equity (ROE) | 7.6500% | 2,835 |
| Retained earnings to average equity (ytd only) | 2.2152% | 3,280 |
| Net charge-offs to loans | 0.0182% | 1,808 |
| Credit loss provision to net charge-offs | 533.0996% | 604 |
| Earnings coverage of net charge-offs (x) | 110.6830% | 725 |
| Efficiency ratio | 57.9678% | 3,395 |
| Assets per employee ($millions) | 10.2497% | 681 |
| Cash dividends to net income (ytd only)* | 71.0548% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,087 |
| Loan loss allowance to noncurrent loans | 186.1706% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5053% | 1,327 |
| Noncurrent loans to loans | 0.6599% | 1,398 |
| Net loans and leases to total assets | 71.1300% | 1,765 |
| Net loans and leases to deposits | 86.8329% | 1,583 |
| Net loans and leases to core deposits | 101.5789% | 1,382 |
| Total domestic deposits to total assets | 81.9200% | 3,100 |
| Equity capital to assets | 14.7122% | 586 |
| Core capital (leverage) ratio | 10.9416% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6470% | 1,644 |
| Memoranda: | ||
| Average total assets | $10,688,715,000 | 155 |
| Average earning assets | $9,598,347,333 | 153 |
| Average equity | $1,563,128,000 | 123 |
| Average total loans | $7,849,047,000 | 150 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1952% | 848 |
| Cost of funding earning assets | 1.8894% | 2,273 |
| Net interest margin | 4.3058% | 747 |
| Noninterest income to average assets | 0.2400% | 3,362 |
| Noninterest expense to average assets | 2.6478% | 1,825 |
| Loan and lease loss provision to assets | 0.1500% | 697 |
| Net operating income to assets | 1.0319% | 1,849 |
| Return on assets (ROA) | 1.0316% | 1,855 |
| Pretax return on assets | 1.2986% | 1,643 |
| Return on Equity (ROE) | 7.0800% | 2,937 |
| Retained earnings to average equity (ytd only) | 3.2213% | 2,919 |
| Net charge-offs to loans | 0.0361% | 1,182 |
| Credit loss provision to net charge-offs | 744.3978% | 410 |
| Earnings coverage of net charge-offs (x) | 54.3067% | 937 |
| Efficiency ratio | 58.8995% | 3,369 |
| Assets per employee ($millions) | 10.6440% | 603 |
| Cash dividends to net income (ytd only)* | 54.4722% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2175% | 2,193 |
| Loan loss allowance to noncurrent loans | 168.5396% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5393% | 1,181 |
| Noncurrent loans to loans | 0.7224% | 1,228 |
| Net loans and leases to total assets | 72.8800% | 1,466 |
| Net loans and leases to deposits | 88.4700% | 1,326 |
| Net loans and leases to core deposits | 104.1660% | 1,202 |
| Total domestic deposits to total assets | 82.3800% | 3,109 |
| Equity capital to assets | 14.5263% | 597 |
| Core capital (leverage) ratio | 10.7202% | 2,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1252% | 1,826 |
| Memoranda: | ||
| Average total assets | $10,677,618,000 | 156 |
| Average earning assets | $9,582,907,500 | 154 |
| Average equity | $1,556,784,500 | 122 |
| Average total loans | $7,916,622,000 | 148 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1634% | 520 |
| Cost of funding earning assets | 1.5634% | 1,785 |
| Net interest margin | 4.6000% | 526 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.6726% | 1,814 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.2866% | 1,456 |
| Return on assets (ROA) | 1.2807% | 1,441 |
| Pretax return on assets | 1.5903% | 1,252 |
| Return on Equity (ROE) | 9.1700% | 2,713 |
| Retained earnings to average equity (ytd only) | 7.5022% | 1,705 |
| Net charge-offs to loans | 0.1403% | 721 |
| Credit loss provision to net charge-offs | 86.5480% | 1,972 |
| Earnings coverage of net charge-offs (x) | 16.1887% | 2,020 |
| Efficiency ratio | 55.6219% | 3,532 |
| Assets per employee ($millions) | 10.3773% | 636 |
| Cash dividends to net income (ytd only)* | 18.2274% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,514 |
| Loan loss allowance to noncurrent loans | 233.9415% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 1,469 |
| Noncurrent loans to loans | 0.4945% | 1,550 |
| Net loans and leases to total assets | 73.6500% | 1,408 |
| Net loans and leases to deposits | 88.0253% | 1,432 |
| Net loans and leases to core deposits | 101.3066% | 1,364 |
| Total domestic deposits to total assets | 83.6600% | 2,718 |
| Equity capital to assets | 14.6339% | 586 |
| Core capital (leverage) ratio | 10.4379% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6453% | 2,008 |
| Memoranda: | ||
| Average total assets | $10,709,653,800 | 153 |
| Average earning assets | $9,585,713,200 | 150 |
| Average equity | $1,494,969,800 | 122 |
| Average total loans | $7,927,834,800 | 145 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0885% | 477 |
| Cost of funding earning assets | 1.4530% | 1,728 |
| Net interest margin | 4.6355% | 504 |
| Noninterest income to average assets | 0.2200% | 3,650 |
| Noninterest expense to average assets | 2.5973% | 1,952 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3465% | 1,431 |
| Return on assets (ROA) | 1.3486% | 1,407 |
| Pretax return on assets | 1.6745% | 1,209 |
| Return on Equity (ROE) | 9.7800% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.8769% | 1,720 |
| Net charge-offs to loans | 0.1437% | 572 |
| Credit loss provision to net charge-offs | 104.6220% | 1,587 |
| Earnings coverage of net charge-offs (x) | 16.6663% | 1,924 |
| Efficiency ratio | 53.5972% | 3,618 |
| Assets per employee ($millions) | 10.3955% | 596 |
| Cash dividends to net income (ytd only)* | 9.2160% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 2,521 |
| Loan loss allowance to noncurrent loans | 244.3850% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 1,570 |
| Noncurrent loans to loans | 0.4784% | 1,627 |
| Net loans and leases to total assets | 74.2400% | 1,313 |
| Net loans and leases to deposits | 90.8896% | 1,159 |
| Net loans and leases to core deposits | 104.4615% | 1,098 |
| Total domestic deposits to total assets | 81.6900% | 3,273 |
| Equity capital to assets | 14.1152% | 629 |
| Core capital (leverage) ratio | 10.1547% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1315% | 2,223 |
| Memoranda: | ||
| Average total assets | $10,727,883,750 | 153 |
| Average earning assets | $9,605,494,750 | 151 |
| Average equity | $1,479,570,500 | 122 |
| Average total loans | $7,928,510,250 | 146 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9683% | 461 |
| Cost of funding earning assets | 1.2710% | 1,785 |
| Net interest margin | 4.6973% | 459 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.5840% | 1,965 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.4143% | 1,291 |
| Return on assets (ROA) | 1.4179% | 1,271 |
| Pretax return on assets | 1.7604% | 1,095 |
| Return on Equity (ROE) | 10.3600% | 2,608 |
| Retained earnings to average equity (ytd only) | 10.3606% | 1,317 |
| Net charge-offs to loans | 0.0108% | 1,799 |
| Credit loss provision to net charge-offs | 1,739.0187% | 290 |
| Earnings coverage of net charge-offs (x) | 233.6215% | 533 |
| Efficiency ratio | 52.3869% | 3,750 |
| Assets per employee ($millions) | 10.5061% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,218 |
| Loan loss allowance to noncurrent loans | 231.1357% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 1,304 |
| Noncurrent loans to loans | 0.5372% | 1,385 |
| Net loans and leases to total assets | 74.0000% | 1,294 |
| Net loans and leases to deposits | 90.7605% | 1,122 |
| Net loans and leases to core deposits | 103.2583% | 1,081 |
| Total domestic deposits to total assets | 81.5300% | 3,326 |
| Equity capital to assets | 13.9916% | 648 |
| Core capital (leverage) ratio | 9.8928% | 2,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7957% | 2,371 |
| Memoranda: | ||
| Average total assets | $10,752,033,333 | 149 |
| Average earning assets | $9,629,848,333 | 147 |
| Average equity | $1,471,416,667 | 120 |
| Average total loans | $7,903,171,000 | 142 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8367% | 396 |
| Cost of funding earning assets | 0.9793% | 2,112 |
| Net interest margin | 4.8575% | 343 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 2.6501% | 1,810 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 1.4474% | 1,294 |
| Return on assets (ROA) | 1.4548% | 1,251 |
| Pretax return on assets | 1.8429% | 996 |
| Return on Equity (ROE) | 10.7500% | 2,559 |
| Retained earnings to average equity (ytd only) | 10.7511% | 1,527 |
| Net charge-offs to loans | 0.0098% | 1,572 |
| Credit loss provision to net charge-offs | 1,666.6667% | 237 |
| Earnings coverage of net charge-offs (x) | 275.5938% | 393 |
| Efficiency ratio | 51.8159% | 3,797 |
| Assets per employee ($millions) | 10.3371% | 625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2197% | 2,455 |
| Loan loss allowance to noncurrent loans | 221.5599% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 1,238 |
| Noncurrent loans to loans | 0.5505% | 1,347 |
| Net loans and leases to total assets | 73.5200% | 1,262 |
| Net loans and leases to deposits | 88.9346% | 1,140 |
| Net loans and leases to core deposits | 96.5734% | 1,248 |
| Total domestic deposits to total assets | 82.6700% | 3,361 |
| Equity capital to assets | 14.0464% | 594 |
| Core capital (leverage) ratio | 9.3510% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4182% | 2,596 |
| Memoranda: | ||
| Average total assets | $10,743,695,500 | 153 |
| Average earning assets | $9,622,697,500 | 150 |
| Average equity | $1,453,765,000 | 123 |
| Average total loans | $7,820,397,500 | 147 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 681 |
| Cost of funding earning assets | 0.4241% | 1,912 |
| Net interest margin | 4.1099% | 643 |
| Noninterest income to average assets | 0.2400% | 3,705 |
| Noninterest expense to average assets | 2.4539% | 2,261 |
| Loan and lease loss provision to assets | 0.6600% | 80 |
| Net operating income to assets | 0.7600% | 3,456 |
| Return on assets (ROA) | 0.7727% | 3,358 |
| Pretax return on assets | 0.9465% | 3,228 |
| Return on Equity (ROE) | 6.7300% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.7329% | 2,350 |
| Net charge-offs to loans | 0.1260% | 617 |
| Credit loss provision to net charge-offs | 693.4173% | 547 |
| Earnings coverage of net charge-offs (x) | 19.2973% | 1,915 |
| Efficiency ratio | 57.7231% | 3,382 |
| Assets per employee ($millions) | 10.6262% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 2,370 |
| Loan loss allowance to noncurrent loans | 206.8460% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.4198% | 1,227 |
| Noncurrent loans to loans | 0.5809% | 1,278 |
| Net loans and leases to total assets | 70.3400% | 1,607 |
| Net loans and leases to deposits | 82.4333% | 1,587 |
| Net loans and leases to core deposits | 86.8577% | 1,690 |
| Total domestic deposits to total assets | 85.3300% | 2,903 |
| Equity capital to assets | 13.0303% | 701 |
| Core capital (leverage) ratio | 8.8121% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0185% | 2,730 |
| Memoranda: | ||
| Average total assets | $7,714,916,200 | 193 |
| Average earning assets | $7,136,101,600 | 188 |
| Average equity | $885,419,800 | 182 |
| Average total loans | $5,039,899,200 | 193 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9323% | 1,399 |
| Cost of funding earning assets | 0.3068% | 2,095 |
| Net interest margin | 3.6256% | 1,335 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.1503% | 3,075 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.0755% | 2,185 |
| Return on assets (ROA) | 1.0755% | 2,147 |
| Pretax return on assets | 1.3157% | 1,994 |
| Return on Equity (ROE) | 9.9000% | 2,761 |
| Retained earnings to average equity (ytd only) | 9.8986% | 1,377 |
| Net charge-offs to loans | 0.0197% | 1,442 |
| Credit loss provision to net charge-offs | 754.2768% | 486 |
| Earnings coverage of net charge-offs (x) | 115.4137% | 868 |
| Efficiency ratio | 58.8519% | 3,274 |
| Assets per employee ($millions) | 11.9646% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 2,856 |
| Loan loss allowance to noncurrent loans | 241.9702% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 1,492 |
| Noncurrent loans to loans | 0.4693% | 1,629 |
| Net loans and leases to total assets | 67.5100% | 1,726 |
| Net loans and leases to deposits | 79.8645% | 1,582 |
| Net loans and leases to core deposits | 87.0232% | 1,462 |
| Total domestic deposits to total assets | 84.5400% | 3,378 |
| Equity capital to assets | 10.3690% | 1,433 |
| Core capital (leverage) ratio | 9.4884% | 3,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1208% | 2,006 |
| Memoranda: | ||
| Average total assets | $6,920,686,500 | 216 |
| Average earning assets | $6,476,869,250 | 207 |
| Average equity | $751,965,250 | 201 |
| Average total loans | $4,361,186,250 | 214 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7606% | 1,397 |
| Cost of funding earning assets | 0.2655% | 2,081 |
| Net interest margin | 3.4951% | 1,325 |
| Noninterest income to average assets | 0.1922% | 4,039 |
| Noninterest expense to average assets | 2.0437% | 3,314 |
| Loan and lease loss provision to assets | 0.1133% | 888 |
| Net operating income to assets | 1.0685% | 1,906 |
| Return on assets (ROA) | 1.0685% | 1,882 |
| Pretax return on assets | 1.3117% | 1,703 |
| Return on Equity (ROE) | 9.6916% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.6916% | 1,102 |
| Net charge-offs to loans | 0.0415% | 974 |
| Credit loss provision to net charge-offs | 359.2342% | 739 |
| Earnings coverage of net charge-offs (x) | 56.0529% | 1,109 |
| Efficiency ratio | 57.6808% | 3,604 |
| Assets per employee ($millions) | 11.6300% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,903 |
| Loan loss allowance to noncurrent loans | 178.0053% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 1,131 |
| Noncurrent loans to loans | 0.6490% | 1,319 |
| Net loans and leases to total assets | 63.9470% | 1,918 |
| Net loans and leases to deposits | 72.6157% | 1,986 |
| Net loans and leases to core deposits | 80.8535% | 1,667 |
| Total domestic deposits to total assets | 88.0622% | 2,550 |
| Equity capital to assets | 10.8096% | 1,301 |
| Core capital (leverage) ratio | 8.8286% | 3,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5041% | 1,861 |
| Memoranda: | ||
| Average total assets | $6,986,217,000 | 211 |
| Average earning assets | $6,549,121,000 | 206 |
| Average equity | $770,213,333 | 197 |
| Average total loans | $4,284,277,667 | 213 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6086% | 1,487 |
| Cost of funding earning assets | 0.2539% | 2,114 |
| Net interest margin | 3.3547% | 1,425 |
| Noninterest income to average assets | 0.2256% | 3,806 |
| Noninterest expense to average assets | 1.9071% | 3,669 |
| Loan and lease loss provision to assets | 0.1019% | 815 |
| Net operating income to assets | 1.1134% | 1,497 |
| Return on assets (ROA) | 1.1134% | 1,485 |
| Pretax return on assets | 1.3668% | 1,338 |
| Return on Equity (ROE) | 10.0071% | 1,968 |
| Retained earnings to average equity (ytd only) | 10.0071% | 1,019 |
| Net charge-offs to loans | 0.0298% | 1,014 |
| Credit loss provision to net charge-offs | 502.2082% | 512 |
| Earnings coverage of net charge-offs (x) | 82.4511% | 738 |
| Efficiency ratio | 55.2426% | 3,943 |
| Assets per employee ($millions) | 12.1848% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1489% | 3,108 |
| Loan loss allowance to noncurrent loans | 187.3073% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 1,450 |
| Noncurrent loans to loans | 0.6134% | 1,525 |
| Net loans and leases to total assets | 59.3014% | 2,151 |
| Net loans and leases to deposits | 68.1333% | 2,141 |
| Net loans and leases to core deposits | 77.9709% | 1,614 |
| Total domestic deposits to total assets | 87.0373% | 2,914 |
| Equity capital to assets | 10.6575% | 1,517 |
| Core capital (leverage) ratio | 8.3683% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4977% | 1,992 |
| Memoranda: | ||
| Average total assets | $7,118,266,500 | 212 |
| Average earning assets | $6,684,424,500 | 203 |
| Average equity | $792,001,500 | 197 |
| Average total loans | $4,252,000,000 | 211 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 1,042 |
| Cost of funding earning assets | 0.3454% | 1,980 |
| Net interest margin | 3.8282% | 953 |
| Noninterest income to average assets | 0.1303% | 4,497 |
| Noninterest expense to average assets | 2.0796% | 3,440 |
| Loan and lease loss provision to assets | -0.0354% | 4,293 |
| Net operating income to assets | 1.3233% | 1,542 |
| Return on assets (ROA) | 1.3233% | 1,583 |
| Pretax return on assets | 1.6242% | 1,357 |
| Return on Equity (ROE) | 10.5948% | 2,311 |
| Retained earnings to average equity (ytd only) | 2.3001% | 3,883 |
| Net charge-offs to loans | 0.0522% | 1,282 |
| Credit loss provision to net charge-offs | -126.5368% | 3,412 |
| Earnings coverage of net charge-offs (x) | 45.1450% | 1,362 |
| Efficiency ratio | 55.3202% | 3,784 |
| Assets per employee ($millions) | 11.9465% | 402 |
| Cash dividends to net income (ytd only)* | 78.2905% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1359% | 3,193 |
| Loan loss allowance to noncurrent loans | 198.6986% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 1,665 |
| Noncurrent loans to loans | 0.5717% | 1,713 |
| Net loans and leases to total assets | 58.7995% | 2,298 |
| Net loans and leases to deposits | 68.3795% | 2,272 |
| Net loans and leases to core deposits | 78.7073% | 1,706 |
| Total domestic deposits to total assets | 85.9900% | 2,911 |
| Equity capital to assets | 11.5981% | 1,460 |
| Core capital (leverage) ratio | 8.4884% | 3,936 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7070% | 1,969 |
| Memoranda: | ||
| Average total assets | $6,563,613,400 | 218 |
| Average earning assets | $6,066,292,600 | 212 |
| Average equity | $819,800,600 | 192 |
| Average total loans | $4,424,326,200 | 204 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2735% | 992 |
| Cost of funding earning assets | 0.3675% | 1,961 |
| Net interest margin | 3.9060% | 928 |
| Noninterest income to average assets | 0.1265% | 4,559 |
| Noninterest expense to average assets | 2.0995% | 3,362 |
| Loan and lease loss provision to assets | 0.0053% | 2,870 |
| Net operating income to assets | 1.3150% | 1,773 |
| Return on assets (ROA) | 1.3150% | 1,832 |
| Pretax return on assets | 1.6140% | 1,653 |
| Return on Equity (ROE) | 10.3249% | 2,620 |
| Retained earnings to average equity (ytd only) | 1.3711% | 4,334 |
| Net charge-offs to loans | 0.0285% | 1,481 |
| Credit loss provision to net charge-offs | -180.2508% | 3,359 |
| Earnings coverage of net charge-offs (x) | 81.6040% | 976 |
| Efficiency ratio | 55.0796% | 3,647 |
| Assets per employee ($millions) | 11.1965% | 454 |
| Cash dividends to net income (ytd only)* | 86.7207% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 3,092 |
| Loan loss allowance to noncurrent loans | 177.9795% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4508% | 1,679 |
| Noncurrent loans to loans | 0.6614% | 1,661 |
| Net loans and leases to total assets | 62.7856% | 1,910 |
| Net loans and leases to deposits | 74.2238% | 1,833 |
| Net loans and leases to core deposits | 87.6403% | 1,177 |
| Total domestic deposits to total assets | 84.5897% | 3,269 |
| Equity capital to assets | 12.0982% | 1,360 |
| Core capital (leverage) ratio | 8.9108% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9774% | 1,979 |
| Memoranda: | ||
| Average total assets | $6,430,460,250 | 219 |
| Average earning assets | $5,913,997,500 | 216 |
| Average equity | $818,994,500 | 191 |
| Average total loans | $4,475,286,250 | 205 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3506% | 925 |
| Cost of funding earning assets | 0.3967% | 1,906 |
| Net interest margin | 3.9539% | 882 |
| Noninterest income to average assets | 0.1266% | 4,567 |
| Noninterest expense to average assets | 2.1475% | 3,251 |
| Loan and lease loss provision to assets | -0.0645% | 4,549 |
| Net operating income to assets | 1.3577% | 1,682 |
| Return on assets (ROA) | 1.3577% | 1,765 |
| Pretax return on assets | 1.6557% | 1,595 |
| Return on Equity (ROE) | 10.4735% | 2,591 |
| Retained earnings to average equity (ytd only) | 1.9341% | 4,127 |
| Net charge-offs to loans | 0.0223% | 1,498 |
| Credit loss provision to net charge-offs | -607.4951% | 3,529 |
| Earnings coverage of net charge-offs (x) | 99.2308% | 755 |
| Efficiency ratio | 56.0449% | 3,535 |
| Assets per employee ($millions) | 10.9997% | 458 |
| Cash dividends to net income (ytd only)* | 81.5338% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1116% | 3,368 |
| Loan loss allowance to noncurrent loans | 135.3219% | 2,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 1,405 |
| Noncurrent loans to loans | 0.8215% | 1,496 |
| Net loans and leases to total assets | 67.8554% | 1,462 |
| Net loans and leases to deposits | 80.7972% | 1,354 |
| Net loans and leases to core deposits | 95.6984% | 822 |
| Total domestic deposits to total assets | 83.9824% | 3,447 |
| Equity capital to assets | 12.6853% | 1,055 |
| Core capital (leverage) ratio | 8.9925% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2154% | 1,900 |
| Memoranda: | ||
| Average total assets | $6,323,443,667 | 221 |
| Average earning assets | $5,776,687,667 | 218 |
| Average equity | $819,723,000 | 192 |
| Average total loans | $4,537,225,333 | 202 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4163% | 892 |
| Cost of funding earning assets | 0.4317% | 1,851 |
| Net interest margin | 3.9846% | 861 |
| Noninterest income to average assets | 0.1112% | 4,640 |
| Noninterest expense to average assets | 2.2214% | 3,041 |
| Loan and lease loss provision to assets | 0.0410% | 2,237 |
| Net operating income to assets | 1.2204% | 2,066 |
| Return on assets (ROA) | 1.2204% | 2,149 |
| Pretax return on assets | 1.4857% | 2,040 |
| Return on Equity (ROE) | 9.3106% | 2,918 |
| Retained earnings to average equity (ytd only) | 1.9690% | 4,013 |
| Net charge-offs to loans | 0.0302% | 1,185 |
| Credit loss provision to net charge-offs | -20.2899% | 2,708 |
| Earnings coverage of net charge-offs (x) | 68.9768% | 763 |
| Efficiency ratio | 57.8559% | 3,322 |
| Assets per employee ($millions) | 10.5648% | 507 |
| Cash dividends to net income (ytd only)* | 78.8519% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1323% | 3,283 |
| Loan loss allowance to noncurrent loans | 150.5178% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 1,675 |
| Noncurrent loans to loans | 0.7523% | 1,735 |
| Net loans and leases to total assets | 71.7133% | 1,067 |
| Net loans and leases to deposits | 85.4521% | 1,003 |
| Net loans and leases to core deposits | 104.9361% | 547 |
| Total domestic deposits to total assets | 83.9221% | 3,463 |
| Equity capital to assets | 12.6750% | 1,001 |
| Core capital (leverage) ratio | 9.3275% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3743% | 1,784 |
| Memoranda: | ||
| Average total assets | $6,234,756,000 | 224 |
| Average earning assets | $5,690,582,000 | 219 |
| Average equity | $817,260,500 | 191 |
| Average total loans | $4,575,466,500 | 204 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8839% | 616 |
| Cost of funding earning assets | 0.7083% | 1,680 |
| Net interest margin | 4.1756% | 679 |
| Noninterest income to average assets | 0.1463% | 4,566 |
| Noninterest expense to average assets | 2.2863% | 3,442 |
| Loan and lease loss provision to assets | 0.4769% | 551 |
| Net operating income to assets | 0.8902% | 2,738 |
| Return on assets (ROA) | 0.8902% | 2,873 |
| Pretax return on assets | 1.0968% | 2,704 |
| Return on Equity (ROE) | 6.2615% | 3,501 |
| Retained earnings to average equity (ytd only) | 4.6186% | 2,468 |
| Net charge-offs to loans | 0.1865% | 912 |
| Credit loss provision to net charge-offs | 330.4245% | 1,640 |
| Earnings coverage of net charge-offs (x) | 10.9038% | 2,432 |
| Efficiency ratio | 57.4042% | 3,802 |
| Assets per employee ($millions) | 10.1106% | 510 |
| Cash dividends to net income (ytd only)* | 26.2393% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1838% | 3,036 |
| Loan loss allowance to noncurrent loans | 184.0278% | 2,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 1,639 |
| Noncurrent loans to loans | 0.6433% | 2,071 |
| Net loans and leases to total assets | 73.4120% | 1,102 |
| Net loans and leases to deposits | 88.6705% | 1,025 |
| Net loans and leases to core deposits | 107.2244% | 598 |
| Total domestic deposits to total assets | 82.7919% | 3,467 |
| Equity capital to assets | 13.5683% | 912 |
| Core capital (leverage) ratio | 9.4121% | 3,216 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5499% | 1,667 |
| Memoranda: | ||
| Average total assets | $5,565,714,400 | 231 |
| Average earning assets | $4,950,126,600 | 236 |
| Average equity | $791,243,800 | 191 |
| Average total loans | $4,307,727,600 | 210 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9535% | 661 |
| Cost of funding earning assets | 0.7744% | 1,611 |
| Net interest margin | 4.1790% | 767 |
| Noninterest income to average assets | 0.1500% | 4,552 |
| Noninterest expense to average assets | 2.3009% | 3,418 |
| Loan and lease loss provision to assets | 0.5633% | 472 |
| Net operating income to assets | 0.7971% | 3,104 |
| Return on assets (ROA) | 0.7971% | 3,222 |
| Pretax return on assets | 0.9774% | 3,141 |
| Return on Equity (ROE) | 5.5368% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.1967% | 2,472 |
| Net charge-offs to loans | 0.1172% | 1,190 |
| Credit loss provision to net charge-offs | 614.1484% | 1,150 |
| Earnings coverage of net charge-offs (x) | 16.7977% | 2,045 |
| Efficiency ratio | 58.0029% | 3,662 |
| Assets per employee ($millions) | 9.9744% | 507 |
| Cash dividends to net income (ytd only)* | 6.1433% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,410 |
| Loan loss allowance to noncurrent loans | 128.3959% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 1,446 |
| Noncurrent loans to loans | 0.8259% | 1,774 |
| Net loans and leases to total assets | 76.1763% | 1,070 |
| Net loans and leases to deposits | 92.0424% | 1,067 |
| Net loans and leases to core deposits | 111.4481% | 651 |
| Total domestic deposits to total assets | 82.7622% | 3,201 |
| Equity capital to assets | 13.6644% | 950 |
| Core capital (leverage) ratio | 9.6359% | 3,119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4075% | 1,692 |
| Memoranda: | ||
| Average total assets | $5,445,608,750 | 233 |
| Average earning assets | $4,810,348,500 | 237 |
| Average equity | $783,965,250 | 191 |
| Average total loans | $4,261,718,500 | 210 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0475% | 762 |
| Cost of funding earning assets | 0.8584% | 1,555 |
| Net interest margin | 4.1891% | 949 |
| Noninterest income to average assets | 0.1623% | 4,479 |
| Noninterest expense to average assets | 2.3399% | 3,430 |
| Loan and lease loss provision to assets | 0.8216% | 294 |
| Net operating income to assets | 0.5830% | 3,790 |
| Return on assets (ROA) | 0.5830% | 3,874 |
| Pretax return on assets | 0.7126% | 3,844 |
| Return on Equity (ROE) | 3.9736% | 4,112 |
| Retained earnings to average equity (ytd only) | 3.4565% | 3,199 |
| Net charge-offs to loans | 0.1664% | 893 |
| Credit loss provision to net charge-offs | 626.8886% | 1,074 |
| Earnings coverage of net charge-offs (x) | 11.7059% | 2,092 |
| Efficiency ratio | 58.4608% | 3,637 |
| Assets per employee ($millions) | 9.8384% | 522 |
| Cash dividends to net income (ytd only)* | 13.0124% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0394% | 3,371 |
| Loan loss allowance to noncurrent loans | 143.4007% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 0.7841% | 1,588 |
| Noncurrent loans to loans | 0.7248% | 2,065 |
| Net loans and leases to total assets | 77.7493% | 882 |
| Net loans and leases to deposits | 96.0469% | 791 |
| Net loans and leases to core deposits | 110.1194% | 735 |
| Total domestic deposits to total assets | 80.9493% | 3,620 |
| Equity capital to assets | 13.6473% | 945 |
| Core capital (leverage) ratio | 9.7733% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9749% | 1,831 |
| Memoranda: | ||
| Average total assets | $5,272,589,667 | 235 |
| Average earning assets | $4,671,679,333 | 239 |
| Average equity | $773,608,000 | 192 |
| Average total loans | $4,151,504,000 | 210 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2038% | 655 |
| Cost of funding earning assets | 1.0392% | 1,262 |
| Net interest margin | 4.1646% | 989 |
| Noninterest income to average assets | 0.2180% | 4,248 |
| Noninterest expense to average assets | 2.5770% | 3,055 |
| Loan and lease loss provision to assets | 0.8806% | 264 |
| Net operating income to assets | 0.3568% | 4,228 |
| Return on assets (ROA) | 0.3568% | 4,262 |
| Pretax return on assets | 0.4444% | 4,213 |
| Return on Equity (ROE) | 2.3366% | 4,379 |
| Retained earnings to average equity (ytd only) | 1.2871% | 3,674 |
| Net charge-offs to loans | 0.2965% | 489 |
| Credit loss provision to net charge-offs | 376.7569% | 1,043 |
| Earnings coverage of net charge-offs (x) | 5.6688% | 2,039 |
| Efficiency ratio | 64.0094% | 3,233 |
| Assets per employee ($millions) | 8.5144% | 621 |
| Cash dividends to net income (ytd only)* | 44.9135% | 1,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 3,937 |
| Loan loss allowance to noncurrent loans | 173.4853% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.6985% | 1,918 |
| Noncurrent loans to loans | 0.5466% | 2,629 |
| Net loans and leases to total assets | 78.3932% | 922 |
| Net loans and leases to deposits | 98.5241% | 657 |
| Net loans and leases to core deposits | 124.2785% | 361 |
| Total domestic deposits to total assets | 79.5676% | 3,934 |
| Equity capital to assets | 15.3030% | 711 |
| Core capital (leverage) ratio | 10.9387% | 2,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4778% | 2,082 |
| Memoranda: | ||
| Average total assets | $4,991,807,000 | 242 |
| Average earning assets | $4,415,899,500 | 243 |
| Average equity | $762,310,000 | 195 |
| Average total loans | $3,935,428,000 | 218 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4736% | 585 |
| Cost of funding earning assets | 1.2037% | 1,017 |
| Net interest margin | 4.2699% | 1,163 |
| Noninterest income to average assets | 0.2781% | 4,018 |
| Noninterest expense to average assets | 2.4774% | 3,509 |
| Loan and lease loss provision to assets | 0.1232% | 1,719 |
| Net operating income to assets | 1.1538% | 2,242 |
| Return on assets (ROA) | 1.1538% | 2,341 |
| Pretax return on assets | 1.4470% | 1,986 |
| Return on Equity (ROE) | 7.5999% | 3,323 |
| Retained earnings to average equity (ytd only) | 6.5749% | 1,575 |
| Net charge-offs to loans | 0.0739% | 2,035 |
| Credit loss provision to net charge-offs | 209.6717% | 1,269 |
| Earnings coverage of net charge-offs (x) | 26.7148% | 1,690 |
| Efficiency ratio | 58.7909% | 3,867 |
| Assets per employee ($millions) | 8.4647% | 601 |
| Cash dividends to net income (ytd only)* | 13.4865% | 3,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7519% | 4,448 |
| Loan loss allowance to noncurrent loans | 103.7572% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 1,728 |
| Noncurrent loans to loans | 0.7246% | 2,067 |
| Net loans and leases to total assets | 77.9405% | 1,089 |
| Net loans and leases to deposits | 95.1901% | 1,031 |
| Net loans and leases to core deposits | 125.7120% | 353 |
| Total domestic deposits to total assets | 81.8788% | 3,537 |
| Equity capital to assets | 15.2394% | 738 |
| Core capital (leverage) ratio | 10.8946% | 2,596 |
| Tier 1 risk-based capital ratio | 12.6727% | 3,964 |
| Total risk-based capital ratio | 13.4051% | 4,162 |
| Memoranda: | ||
| Average total assets | $4,819,728,600 | 236 |
| Average earning assets | $4,254,935,000 | 240 |
| Average equity | $731,735,400 | 196 |
| Average total loans | $3,834,763,800 | 215 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 567 |
| Cost of funding earning assets | 1.2176% | 992 |
| Net interest margin | 4.3014% | 1,163 |
| Noninterest income to average assets | 0.2793% | 4,077 |
| Noninterest expense to average assets | 2.5193% | 3,380 |
| Loan and lease loss provision to assets | 0.1397% | 1,383 |
| Net operating income to assets | 1.1337% | 2,437 |
| Return on assets (ROA) | 1.1337% | 2,527 |
| Pretax return on assets | 1.4208% | 2,224 |
| Return on Equity (ROE) | 7.4745% | 3,515 |
| Retained earnings to average equity (ytd only) | 6.0947% | 2,326 |
| Net charge-offs to loans | 0.0534% | 2,072 |
| Credit loss provision to net charge-offs | 327.5524% | 905 |
| Earnings coverage of net charge-offs (x) | 36.5995% | 1,446 |
| Efficiency ratio | 59.3348% | 3,762 |
| Assets per employee ($millions) | 8.4230% | 587 |
| Cash dividends to net income (ytd only)* | 18.4602% | 3,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 4,500 |
| Loan loss allowance to noncurrent loans | 86.1130% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 0.8898% | 1,534 |
| Noncurrent loans to loans | 0.8908% | 1,799 |
| Net loans and leases to total assets | 78.6629% | 1,037 |
| Net loans and leases to deposits | 97.4006% | 881 |
| Net loans and leases to core deposits | 120.0470% | 536 |
| Total domestic deposits to total assets | 80.7622% | 3,814 |
| Equity capital to assets | 15.2259% | 787 |
| Core capital (leverage) ratio | 10.7266% | 2,911 |
| Tier 1 risk-based capital ratio | 12.2809% | 4,266 |
| Total risk-based capital ratio | 14.0087% | 3,874 |
| Memoranda: | ||
| Average total assets | $4,778,238,250 | 238 |
| Average earning assets | $4,221,752,250 | 240 |
| Average equity | $724,721,750 | 199 |
| Average total loans | $3,814,627,250 | 217 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5178% | 550 |
| Cost of funding earning assets | 1.2016% | 990 |
| Net interest margin | 4.3162% | 1,105 |
| Noninterest income to average assets | 0.3009% | 3,919 |
| Noninterest expense to average assets | 2.5556% | 3,316 |
| Loan and lease loss provision to assets | 0.1017% | 1,839 |
| Net operating income to assets | 1.1800% | 2,225 |
| Return on assets (ROA) | 1.1800% | 2,295 |
| Pretax return on assets | 1.4777% | 1,927 |
| Return on Equity (ROE) | 7.7902% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.6996% | 2,418 |
| Net charge-offs to loans | 0.0421% | 2,055 |
| Credit loss provision to net charge-offs | 301.7544% | 892 |
| Earnings coverage of net charge-offs (x) | 46.8759% | 1,142 |
| Efficiency ratio | 59.3990% | 3,813 |
| Assets per employee ($millions) | 8.2176% | 618 |
| Cash dividends to net income (ytd only)* | 26.8365% | 2,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7242% | 4,657 |
| Loan loss allowance to noncurrent loans | 89.0351% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8005% | 1,756 |
| Noncurrent loans to loans | 0.8134% | 1,960 |
| Net loans and leases to total assets | 79.9445% | 889 |
| Net loans and leases to deposits | 99.1363% | 744 |
| Net loans and leases to core deposits | 125.8170% | 397 |
| Total domestic deposits to total assets | 80.6409% | 3,906 |
| Equity capital to assets | 15.2678% | 750 |
| Core capital (leverage) ratio | 10.5674% | 3,016 |
| Tier 1 risk-based capital ratio | 12.0181% | 4,404 |
| Total risk-based capital ratio | 13.7103% | 4,033 |
| Memoranda: | ||
| Average total assets | $4,736,925,000 | 241 |
| Average earning assets | $4,207,835,330 | 242 |
| Average equity | $717,494,670 | 202 |
| Average total loans | $3,790,835,000 | 220 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4532% | 566 |
| Cost of funding earning assets | 1.1758% | 971 |
| Net interest margin | 4.2774% | 1,137 |
| Noninterest income to average assets | 0.2790% | 4,014 |
| Noninterest expense to average assets | 2.6129% | 3,174 |
| Loan and lease loss provision to assets | 0.0851% | 2,001 |
| Net operating income to assets | 1.1147% | 2,415 |
| Return on assets (ROA) | 1.1147% | 2,461 |
| Pretax return on assets | 1.3878% | 2,132 |
| Return on Equity (ROE) | 7.3890% | 3,510 |
| Retained earnings to average equity (ytd only) | 3.1667% | 3,668 |
| Net charge-offs to loans | 0.0224% | 1,998 |
| Credit loss provision to net charge-offs | 477.1429% | 629 |
| Earnings coverage of net charge-offs (x) | 82.5857% | 755 |
| Efficiency ratio | 61.5028% | 3,612 |
| Assets per employee ($millions) | 8.1610% | 635 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7126% | 4,753 |
| Loan loss allowance to noncurrent loans | 83.0237% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 1,938 |
| Noncurrent loans to loans | 0.8583% | 1,923 |
| Net loans and leases to total assets | 79.2928% | 939 |
| Net loans and leases to deposits | 99.9186% | 642 |
| Net loans and leases to core deposits | 135.6181% | 237 |
| Total domestic deposits to total assets | 79.3573% | 4,284 |
| Equity capital to assets | 15.0108% | 752 |
| Core capital (leverage) ratio | 10.3143% | 3,258 |
| Tier 1 risk-based capital ratio | 11.6669% | 4,642 |
| Total risk-based capital ratio | 13.3448% | 4,299 |
| Memoranda: | ||
| Average total assets | $4,709,960,500 | 242 |
| Average earning assets | $4,191,777,000 | 242 |
| Average equity | $710,512,500 | 204 |
| Average total loans | $3,757,271,000 | 224 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3293% | 552 |
| Cost of funding earning assets | 0.9751% | 830 |
| Net interest margin | 4.3543% | 1,024 |
| Noninterest income to average assets | 0.2346% | 4,507 |
| Noninterest expense to average assets | 2.6137% | 3,296 |
| Loan and lease loss provision to assets | 0.1294% | 1,703 |
| Net operating income to assets | 1.1784% | 2,276 |
| Return on assets (ROA) | 1.1784% | 2,269 |
| Pretax return on assets | 1.4317% | 2,024 |
| Return on Equity (ROE) | 9.7417% | 2,624 |
| Retained earnings to average equity (ytd only) | 9.7417% | 668 |
| Net charge-offs to loans | 0.0599% | 2,280 |
| Credit loss provision to net charge-offs | 271.2005% | 1,107 |
| Earnings coverage of net charge-offs (x) | 32.7069% | 1,514 |
| Efficiency ratio | 61.2806% | 3,650 |
| Assets per employee ($millions) | 8.1220% | 637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,785 |
| Loan loss allowance to noncurrent loans | 79.9071% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7216% | 1,924 |
| Noncurrent loans to loans | 0.8886% | 1,816 |
| Net loans and leases to total assets | 79.1160% | 1,073 |
| Net loans and leases to deposits | 100.3521% | 713 |
| Net loans and leases to core deposits | 126.8563% | 378 |
| Total domestic deposits to total assets | 78.8384% | 4,339 |
| Equity capital to assets | 15.1616% | 677 |
| Core capital (leverage) ratio | 10.4549% | 3,080 |
| Tier 1 risk-based capital ratio | 11.8343% | 4,545 |
| Total risk-based capital ratio | 13.5318% | 4,136 |
| Memoranda: | ||
| Average total assets | $3,280,862,400 | 305 |
| Average earning assets | $2,968,889,000 | 302 |
| Average equity | $396,881,000 | 280 |
| Average total loans | $2,614,255,000 | 276 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0920% | 771 |
| Cost of funding earning assets | 0.9326% | 796 |
| Net interest margin | 4.1594% | 1,469 |
| Noninterest income to average assets | 0.2426% | 4,528 |
| Noninterest expense to average assets | 2.5874% | 3,324 |
| Loan and lease loss provision to assets | 0.0582% | 2,811 |
| Net operating income to assets | 1.1393% | 2,494 |
| Return on assets (ROA) | 1.1393% | 2,506 |
| Pretax return on assets | 1.3754% | 2,322 |
| Return on Equity (ROE) | 10.4683% | 2,402 |
| Retained earnings to average equity (ytd only) | 10.4683% | 773 |
| Net charge-offs to loans | 0.0767% | 1,756 |
| Credit loss provision to net charge-offs | 95.2487% | 2,363 |
| Earnings coverage of net charge-offs (x) | 23.4498% | 1,843 |
| Efficiency ratio | 63.6853% | 3,239 |
| Assets per employee ($millions) | 7.9846% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9663% | 3,964 |
| Loan loss allowance to noncurrent loans | 157.8398% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5519% | 2,537 |
| Noncurrent loans to loans | 0.6122% | 2,552 |
| Net loans and leases to total assets | 79.6713% | 1,070 |
| Net loans and leases to deposits | 99.0301% | 859 |
| Net loans and leases to core deposits | 127.1357% | 392 |
| Total domestic deposits to total assets | 80.4516% | 4,008 |
| Equity capital to assets | 10.8733% | 2,775 |
| Core capital (leverage) ratio | 9.9771% | 3,663 |
| Tier 1 risk-based capital ratio | 11.2511% | 4,925 |
| Total risk-based capital ratio | 13.6649% | 4,135 |
| Memoranda: | ||
| Average total assets | $2,937,604,000 | 325 |
| Average earning assets | $2,668,647,000 | 323 |
| Average equity | $319,699,750 | 330 |
| Average total loans | $2,340,742,250 | 296 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 729 |
| Cost of funding earning assets | 0.8759% | 807 |
| Net interest margin | 4.1741% | 1,341 |
| Noninterest income to average assets | 0.2367% | 4,596 |
| Noninterest expense to average assets | 2.6244% | 3,245 |
| Loan and lease loss provision to assets | 0.0883% | 2,149 |
| Net operating income to assets | 1.0929% | 2,611 |
| Return on assets (ROA) | 1.0929% | 2,618 |
| Pretax return on assets | 1.3124% | 2,459 |
| Return on Equity (ROE) | 10.0387% | 2,546 |
| Retained earnings to average equity (ytd only) | 10.0387% | 918 |
| Net charge-offs to loans | 0.0954% | 1,396 |
| Credit loss provision to net charge-offs | 116.5304% | 1,825 |
| Earnings coverage of net charge-offs (x) | 18.4823% | 1,898 |
| Efficiency ratio | 64.5312% | 3,240 |
| Assets per employee ($millions) | 7.7867% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,768 |
| Loan loss allowance to noncurrent loans | 196.3662% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 2,879 |
| Noncurrent loans to loans | 0.5144% | 2,879 |
| Net loans and leases to total assets | 78.7169% | 1,201 |
| Net loans and leases to deposits | 100.6294% | 766 |
| Net loans and leases to core deposits | 127.4860% | 382 |
| Total domestic deposits to total assets | 78.2246% | 4,547 |
| Equity capital to assets | 10.8696% | 2,764 |
| Core capital (leverage) ratio | 9.8427% | 3,741 |
| Tier 1 risk-based capital ratio | 11.0275% | 5,041 |
| Total risk-based capital ratio | 13.4799% | 4,236 |
| Memoranda: | ||
| Average total assets | $2,905,424,670 | 326 |
| Average earning assets | $2,636,951,670 | 325 |
| Average equity | $316,296,330 | 329 |
| Average total loans | $2,307,347,670 | 299 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 767 |
| Cost of funding earning assets | 0.8180% | 881 |
| Net interest margin | 4.1390% | 1,339 |
| Noninterest income to average assets | 0.2285% | 4,641 |
| Noninterest expense to average assets | 2.5734% | 3,418 |
| Loan and lease loss provision to assets | 0.0909% | 1,989 |
| Net operating income to assets | 1.1141% | 2,360 |
| Return on assets (ROA) | 1.1141% | 2,382 |
| Pretax return on assets | 1.3274% | 2,259 |
| Return on Equity (ROE) | 10.2258% | 2,324 |
| Retained earnings to average equity (ytd only) | 10.2258% | 1,095 |
| Net charge-offs to loans | -0.0572% | 5,030 |
| Credit loss provision to net charge-offs | -200.3067% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7897% | 3,511 |
| Assets per employee ($millions) | 7.7033% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 3,525 |
| Loan loss allowance to noncurrent loans | 184.1696% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.4756% | 2,954 |
| Noncurrent loans to loans | 0.5838% | 2,791 |
| Net loans and leases to total assets | 78.4505% | 1,169 |
| Net loans and leases to deposits | 98.8236% | 801 |
| Net loans and leases to core deposits | 128.5722% | 366 |
| Total domestic deposits to total assets | 79.3845% | 4,512 |
| Equity capital to assets | 10.9115% | 2,668 |
| Core capital (leverage) ratio | 9.7706% | 3,785 |
| Tier 1 risk-based capital ratio | 10.9505% | 5,158 |
| Total risk-based capital ratio | 13.4873% | 4,311 |
| Memoranda: | ||
| Average total assets | $2,874,763,000 | 327 |
| Average earning assets | $2,613,758,500 | 325 |
| Average equity | $313,208,000 | 333 |
| Average total loans | $2,281,439,500 | 302 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8976% | 803 |
| Cost of funding earning assets | 0.6234% | 1,446 |
| Net interest margin | 4.2742% | 1,023 |
| Noninterest income to average assets | 0.2168% | 4,858 |
| Noninterest expense to average assets | 2.5669% | 3,556 |
| Loan and lease loss provision to assets | 0.4904% | 269 |
| Net operating income to assets | 0.6823% | 3,669 |
| Return on assets (ROA) | 0.6827% | 3,724 |
| Pretax return on assets | 1.0361% | 3,431 |
| Return on Equity (ROE) | 6.3423% | 3,607 |
| Retained earnings to average equity (ytd only) | 6.3423% | 1,360 |
| Net charge-offs to loans | 0.3559% | 714 |
| Credit loss provision to net charge-offs | 177.0201% | 1,532 |
| Earnings coverage of net charge-offs (x) | 5.5078% | 3,316 |
| Efficiency ratio | 62.0101% | 3,933 |
| Assets per employee ($millions) | 7.6288% | 726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0409% | 3,679 |
| Loan loss allowance to noncurrent loans | 177.4460% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 0.4786% | 2,966 |
| Noncurrent loans to loans | 0.5866% | 2,750 |
| Net loans and leases to total assets | 78.5927% | 1,198 |
| Net loans and leases to deposits | 101.2512% | 638 |
| Net loans and leases to core deposits | 136.0450% | 252 |
| Total domestic deposits to total assets | 77.6215% | 4,775 |
| Equity capital to assets | 10.8785% | 2,754 |
| Core capital (leverage) ratio | 9.6689% | 3,849 |
| Tier 1 risk-based capital ratio | 10.7227% | 5,288 |
| Total risk-based capital ratio | 13.2355% | 4,420 |
| Memoranda: | ||
| Average total assets | $2,689,361,800 | 327 |
| Average earning assets | $2,438,708,600 | 329 |
| Average equity | $289,502,200 | 336 |
| Average total loans | $2,093,551,400 | 305 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 820 |
| Cost of funding earning assets | 0.5980% | 1,538 |
| Net interest margin | 4.2642% | 1,013 |
| Noninterest income to average assets | 0.2157% | 4,929 |
| Noninterest expense to average assets | 2.5218% | 3,660 |
| Loan and lease loss provision to assets | 0.5672% | 194 |
| Net operating income to assets | 0.7614% | 3,687 |
| Return on assets (ROA) | 0.7609% | 3,749 |
| Pretax return on assets | 0.9877% | 3,735 |
| Return on Equity (ROE) | 7.0890% | 3,608 |
| Retained earnings to average equity (ytd only) | 7.0890% | 1,648 |
| Net charge-offs to loans | 0.3545% | 596 |
| Credit loss provision to net charge-offs | 206.6446% | 1,315 |
| Earnings coverage of net charge-offs (x) | 5.6674% | 3,073 |
| Efficiency ratio | 61.1254% | 4,026 |
| Assets per employee ($millions) | 7.7284% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 3,618 |
| Loan loss allowance to noncurrent loans | 170.3922% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.5110% | 3,022 |
| Noncurrent loans to loans | 0.6323% | 2,810 |
| Net loans and leases to total assets | 77.4305% | 1,363 |
| Net loans and leases to deposits | 95.0917% | 1,194 |
| Net loans and leases to core deposits | 124.4492% | 446 |
| Total domestic deposits to total assets | 81.4272% | 3,937 |
| Equity capital to assets | 10.9679% | 2,895 |
| Core capital (leverage) ratio | 9.7747% | 3,852 |
| Tier 1 risk-based capital ratio | 10.9271% | 5,286 |
| Total risk-based capital ratio | 11.9035% | 5,325 |
| Memoranda: | ||
| Average total assets | $2,646,505,000 | 333 |
| Average earning assets | $2,396,644,750 | 335 |
| Average equity | $284,074,750 | 340 |
| Average total loans | $2,048,934,250 | 309 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 830 |
| Cost of funding earning assets | 0.5967% | 1,472 |
| Net interest margin | 4.2237% | 1,028 |
| Noninterest income to average assets | 0.2171% | 4,955 |
| Noninterest expense to average assets | 2.5186% | 3,694 |
| Loan and lease loss provision to assets | 0.3358% | 439 |
| Net operating income to assets | 0.9156% | 2,831 |
| Return on assets (ROA) | 0.9156% | 2,885 |
| Pretax return on assets | 1.1840% | 2,831 |
| Return on Equity (ROE) | 8.5982% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.5982% | 969 |
| Net charge-offs to loans | 0.1252% | 1,409 |
| Credit loss provision to net charge-offs | 347.7218% | 871 |
| Earnings coverage of net charge-offs (x) | 15.7386% | 2,013 |
| Efficiency ratio | 61.6205% | 4,068 |
| Assets per employee ($millions) | 7.6326% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 4,184 |
| Loan loss allowance to noncurrent loans | 108.6963% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.7228% | 2,400 |
| Noncurrent loans to loans | 0.9141% | 2,141 |
| Net loans and leases to total assets | 76.8391% | 1,407 |
| Net loans and leases to deposits | 98.5341% | 840 |
| Net loans and leases to core deposits | 120.5081% | 541 |
| Total domestic deposits to total assets | 77.9822% | 4,818 |
| Equity capital to assets | 10.4161% | 3,443 |
| Core capital (leverage) ratio | 9.2023% | 4,486 |
| Tier 1 risk-based capital ratio | 10.2293% | 5,567 |
| Total risk-based capital ratio | 11.1209% | 5,623 |
| Memoranda: | ||
| Average total assets | $2,590,961,330 | 345 |
| Average earning assets | $2,344,139,670 | 346 |
| Average equity | $275,919,000 | 348 |
| Average total loans | $1,997,930,330 | 317 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 725 |
| Cost of funding earning assets | 0.5697% | 1,586 |
| Net interest margin | 4.2442% | 895 |
| Noninterest income to average assets | 0.2122% | 4,997 |
| Noninterest expense to average assets | 2.5979% | 3,513 |
| Loan and lease loss provision to assets | 0.2128% | 762 |
| Net operating income to assets | 0.9873% | 2,360 |
| Return on assets (ROA) | 0.9873% | 2,410 |
| Pretax return on assets | 1.2453% | 2,430 |
| Return on Equity (ROE) | 9.1629% | 2,335 |
| Retained earnings to average equity (ytd only) | 9.1629% | 1,029 |
| Net charge-offs to loans | 0.1169% | 1,239 |
| Credit loss provision to net charge-offs | 236.8607% | 916 |
| Earnings coverage of net charge-offs (x) | 16.2275% | 1,647 |
| Efficiency ratio | 63.2883% | 3,944 |
| Assets per employee ($millions) | 7.6058% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 4,599 |
| Loan loss allowance to noncurrent loans | 96.7588% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.7588% | 2,404 |
| Noncurrent loans to loans | 0.9720% | 2,104 |
| Net loans and leases to total assets | 75.8933% | 1,430 |
| Net loans and leases to deposits | 96.6367% | 880 |
| Net loans and leases to core deposits | 118.3190% | 513 |
| Total domestic deposits to total assets | 78.5347% | 4,904 |
| Equity capital to assets | 10.6213% | 3,042 |
| Core capital (leverage) ratio | 9.3698% | 4,260 |
| Tier 1 risk-based capital ratio | 10.4911% | 5,548 |
| Total risk-based capital ratio | 11.3244% | 5,636 |
| Memoranda: | ||
| Average total assets | $2,524,027,500 | 353 |
| Average earning assets | $2,285,939,500 | 355 |
| Average equity | $271,967,500 | 349 |
| Average total loans | $1,939,523,500 | 324 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7974% | 894 |
| Cost of funding earning assets | 0.4948% | 2,124 |
| Net interest margin | 4.3025% | 928 |
| Noninterest income to average assets | 0.3122% | 4,503 |
| Noninterest expense to average assets | 2.5292% | 3,922 |
| Loan and lease loss provision to assets | 0.2363% | 911 |
| Net operating income to assets | 1.0207% | 2,260 |
| Return on assets (ROA) | 1.0216% | 2,363 |
| Pretax return on assets | 1.4528% | 1,742 |
| Return on Equity (ROE) | 9.0034% | 2,412 |
| Retained earnings to average equity (ytd only) | 9.0034% | 589 |
| Net charge-offs to loans | 0.0369% | 3,285 |
| Credit loss provision to net charge-offs | 834.9618% | 440 |
| Earnings coverage of net charge-offs (x) | 59.6443% | 895 |
| Efficiency ratio | 59.1718% | 4,705 |
| Assets per employee ($millions) | 7.3488% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,595 |
| Loan loss allowance to noncurrent loans | 113.4461% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7045% | 2,615 |
| Noncurrent loans to loans | 0.8345% | 2,435 |
| Net loans and leases to total assets | 76.3542% | 1,463 |
| Net loans and leases to deposits | 98.9687% | 744 |
| Net loans and leases to core deposits | 116.4381% | 596 |
| Total domestic deposits to total assets | 77.1498% | 5,102 |
| Equity capital to assets | 10.9377% | 2,676 |
| Core capital (leverage) ratio | 9.5033% | 4,078 |
| Tier 1 risk-based capital ratio | 10.7688% | 5,455 |
| Total risk-based capital ratio | 11.6085% | 5,576 |
| Memoranda: | ||
| Average total assets | $2,314,629,600 | 358 |
| Average earning assets | $2,100,664,600 | 357 |
| Average equity | $262,633,800 | 345 |
| Average total loans | $1,775,117,600 | 334 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7944% | 911 |
| Cost of funding earning assets | 0.4822% | 2,239 |
| Net interest margin | 4.3122% | 907 |
| Noninterest income to average assets | 0.3382% | 4,360 |
| Noninterest expense to average assets | 2.4877% | 4,022 |
| Loan and lease loss provision to assets | 0.2672% | 675 |
| Net operating income to assets | 1.0336% | 2,273 |
| Return on assets (ROA) | 1.0336% | 2,400 |
| Pretax return on assets | 1.4916% | 1,733 |
| Return on Equity (ROE) | 9.0220% | 2,474 |
| Retained earnings to average equity (ytd only) | 9.0220% | 812 |
| Net charge-offs to loans | 0.0368% | 2,891 |
| Credit loss provision to net charge-offs | 947.9253% | 434 |
| Earnings coverage of net charge-offs (x) | 62.3901% | 928 |
| Efficiency ratio | 57.7699% | 4,848 |
| Assets per employee ($millions) | 7.6636% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9385% | 4,711 |
| Loan loss allowance to noncurrent loans | 108.5117% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.6900% | 2,845 |
| Noncurrent loans to loans | 0.8649% | 2,525 |
| Net loans and leases to total assets | 73.7327% | 1,912 |
| Net loans and leases to deposits | 94.3751% | 1,224 |
| Net loans and leases to core deposits | 110.8595% | 870 |
| Total domestic deposits to total assets | 78.1273% | 4,889 |
| Equity capital to assets | 11.0118% | 2,997 |
| Core capital (leverage) ratio | 9.4325% | 4,283 |
| Tier 1 risk-based capital ratio | 10.9031% | 5,425 |
| Total risk-based capital ratio | 11.7410% | 5,543 |
| Memoranda: | ||
| Average total assets | $2,279,666,000 | 362 |
| Average earning assets | $2,066,185,500 | 364 |
| Average equity | $261,176,500 | 348 |
| Average total loans | $1,745,893,750 | 335 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 946 |
| Cost of funding earning assets | 0.4656% | 2,422 |
| Net interest margin | 4.2935% | 936 |
| Noninterest income to average assets | 0.4064% | 3,828 |
| Noninterest expense to average assets | 2.5060% | 4,009 |
| Loan and lease loss provision to assets | 0.2122% | 1,004 |
| Net operating income to assets | 1.0818% | 2,031 |
| Return on assets (ROA) | 1.0818% | 2,164 |
| Pretax return on assets | 1.5884% | 1,402 |
| Return on Equity (ROE) | 9.3092% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.3092% | 770 |
| Net charge-offs to loans | 0.0624% | 2,300 |
| Credit loss provision to net charge-offs | 439.3657% | 725 |
| Earnings coverage of net charge-offs (x) | 37.2817% | 1,205 |
| Efficiency ratio | 57.3628% | 4,986 |
| Assets per employee ($millions) | 7.6047% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 5,126 |
| Loan loss allowance to noncurrent loans | 197.9958% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 3,975 |
| Noncurrent loans to loans | 0.4296% | 3,818 |
| Net loans and leases to total assets | 73.5198% | 1,928 |
| Net loans and leases to deposits | 93.2977% | 1,366 |
| Net loans and leases to core deposits | 108.7773% | 998 |
| Total domestic deposits to total assets | 78.8013% | 4,830 |
| Equity capital to assets | 11.2777% | 2,769 |
| Core capital (leverage) ratio | 9.6096% | 4,053 |
| Tier 1 risk-based capital ratio | 11.1997% | 5,316 |
| Total risk-based capital ratio | 11.9667% | 5,493 |
| Memoranda: | ||
| Average total assets | $2,219,545,330 | 370 |
| Average earning assets | $2,016,278,000 | 370 |
| Average equity | $257,937,670 | 351 |
| Average total loans | $1,717,514,670 | 338 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 875 |
| Cost of funding earning assets | 0.4582% | 2,485 |
| Net interest margin | 4.3308% | 868 |
| Noninterest income to average assets | 0.6152% | 2,442 |
| Noninterest expense to average assets | 2.6279% | 3,664 |
| Loan and lease loss provision to assets | 0.1323% | 1,595 |
| Net operating income to assets | 1.2169% | 1,502 |
| Return on assets (ROA) | 1.2169% | 1,606 |
| Pretax return on assets | 1.8066% | 840 |
| Return on Equity (ROE) | 10.3036% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.3036% | 787 |
| Net charge-offs to loans | 0.0120% | 2,725 |
| Credit loss provision to net charge-offs | 1,392.1569% | 298 |
| Earnings coverage of net charge-offs (x) | 204.0392% | 299 |
| Efficiency ratio | 56.7319% | 5,125 |
| Assets per employee ($millions) | 7.2431% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 5,356 |
| Loan loss allowance to noncurrent loans | 197.0917% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3792% | 4,070 |
| Noncurrent loans to loans | 0.4064% | 3,980 |
| Net loans and leases to total assets | 77.1222% | 1,233 |
| Net loans and leases to deposits | 91.4953% | 1,405 |
| Net loans and leases to core deposits | 105.9148% | 1,081 |
| Total domestic deposits to total assets | 84.2909% | 3,401 |
| Equity capital to assets | 11.6425% | 2,295 |
| Core capital (leverage) ratio | 10.0614% | 3,457 |
| Tier 1 risk-based capital ratio | 11.0942% | 5,457 |
| Total risk-based capital ratio | 11.8133% | 5,629 |
| Memoranda: | ||
| Average total assets | $2,146,780,500 | 378 |
| Average earning assets | $1,958,811,500 | 376 |
| Average equity | $253,543,500 | 355 |
| Average total loans | $1,699,414,500 | 337 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3214% | 359 |
| Cost of funding earning assets | 0.4408% | 2,735 |
| Net interest margin | 4.8807% | 310 |
| Noninterest income to average assets | 0.2182% | 5,288 |
| Noninterest expense to average assets | 2.9654% | 2,660 |
| Loan and lease loss provision to assets | 0.3145% | 525 |
| Net operating income to assets | 0.9108% | 2,808 |
| Return on assets (ROA) | 0.9094% | 2,897 |
| Pretax return on assets | 1.3587% | 2,076 |
| Return on Equity (ROE) | 7.8772% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.8772% | 957 |
| Net charge-offs to loans | 0.0643% | 2,938 |
| Credit loss provision to net charge-offs | 616.1702% | 551 |
| Earnings coverage of net charge-offs (x) | 32.8213% | 1,366 |
| Efficiency ratio | 62.9294% | 4,454 |
| Assets per employee ($millions) | 6.5754% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7790% | 5,464 |
| Loan loss allowance to noncurrent loans | 252.6620% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2487% | 4,596 |
| Noncurrent loans to loans | 0.3083% | 4,355 |
| Net loans and leases to total assets | 80.0336% | 840 |
| Net loans and leases to deposits | 93.7916% | 1,215 |
| Net loans and leases to core deposits | 108.5908% | 939 |
| Total domestic deposits to total assets | 85.3313% | 2,933 |
| Equity capital to assets | 11.9884% | 1,956 |
| Core capital (leverage) ratio | 10.1556% | 3,314 |
| Tier 1 risk-based capital ratio | 11.2490% | 5,399 |
| Total risk-based capital ratio | 11.9629% | 5,586 |
| Memoranda: | ||
| Average total assets | $1,841,668,000 | 398 |
| Average earning assets | $1,668,721,000 | 402 |
| Average equity | $212,627,400 | 394 |
| Average total loans | $1,461,400,400 | 359 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4208% | 307 |
| Cost of funding earning assets | 0.4378% | 2,823 |
| Net interest margin | 4.9831% | 267 |
| Noninterest income to average assets | 0.2251% | 5,306 |
| Noninterest expense to average assets | 3.0516% | 2,356 |
| Loan and lease loss provision to assets | 0.2720% | 593 |
| Net operating income to assets | 0.9279% | 2,817 |
| Return on assets (ROA) | 0.9279% | 2,903 |
| Pretax return on assets | 1.3958% | 2,035 |
| Return on Equity (ROE) | 8.1285% | 3,004 |
| Retained earnings to average equity (ytd only) | 8.1285% | 1,199 |
| Net charge-offs to loans | 0.0639% | 2,674 |
| Credit loss provision to net charge-offs | 539.0208% | 612 |
| Earnings coverage of net charge-offs (x) | 33.0536% | 1,405 |
| Efficiency ratio | 63.6728% | 4,305 |
| Assets per employee ($millions) | 6.4735% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6931% | 5,743 |
| Loan loss allowance to noncurrent loans | 181.1055% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.3073% | 4,539 |
| Noncurrent loans to loans | 0.3827% | 4,240 |
| Net loans and leases to total assets | 79.7484% | 854 |
| Net loans and leases to deposits | 96.7453% | 932 |
| Net loans and leases to core deposits | 111.4840% | 790 |
| Total domestic deposits to total assets | 82.4312% | 4,013 |
| Equity capital to assets | 11.5634% | 2,452 |
| Core capital (leverage) ratio | 9.8033% | 3,896 |
| Tier 1 risk-based capital ratio | 10.6894% | 5,804 |
| Total risk-based capital ratio | 11.3201% | 5,971 |
| Memoranda: | ||
| Average total assets | $1,780,982,500 | 411 |
| Average earning assets | $1,606,307,250 | 416 |
| Average equity | $203,312,500 | 414 |
| Average total loans | $1,406,419,000 | 371 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5700% | 240 |
| Cost of funding earning assets | 0.4432% | 2,802 |
| Net interest margin | 5.1268% | 202 |
| Noninterest income to average assets | 0.2124% | 5,423 |
| Noninterest expense to average assets | 3.1589% | 2,100 |
| Loan and lease loss provision to assets | 0.2469% | 714 |
| Net operating income to assets | 0.9291% | 2,735 |
| Return on assets (ROA) | 0.9291% | 2,858 |
| Pretax return on assets | 1.4168% | 1,905 |
| Return on Equity (ROE) | 8.1806% | 2,950 |
| Retained earnings to average equity (ytd only) | 8.1806% | 1,194 |
| Net charge-offs to loans | 0.0054% | 3,710 |
| Credit loss provision to net charge-offs | 5,841.6667% | 86 |
| Earnings coverage of net charge-offs (x) | 393.6389% | 168 |
| Efficiency ratio | 64.4919% | 4,274 |
| Assets per employee ($millions) | 6.5067% | 1,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6603% | 5,882 |
| Loan loss allowance to noncurrent loans | 180.2342% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2952% | 4,693 |
| Noncurrent loans to loans | 0.3663% | 4,396 |
| Net loans and leases to total assets | 79.7520% | 835 |
| Net loans and leases to deposits | 94.6592% | 1,083 |
| Net loans and leases to core deposits | 109.1127% | 887 |
| Total domestic deposits to total assets | 84.2518% | 3,466 |
| Equity capital to assets | 11.6635% | 2,278 |
| Core capital (leverage) ratio | 10.2280% | 3,300 |
| Tier 1 risk-based capital ratio | 10.8183% | 5,794 |
| Total risk-based capital ratio | 11.4203% | 5,980 |
| Memoranda: | ||
| Average total assets | $1,703,556,000 | 428 |
| Average earning assets | $1,531,915,000 | 428 |
| Average equity | $193,483,000 | 430 |
| Average total loans | $1,336,309,000 | 382 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8663% | 155 |
| Cost of funding earning assets | 0.4669% | 2,591 |
| Net interest margin | 5.3994% | 138 |
| Noninterest income to average assets | 0.2184% | 5,392 |
| Noninterest expense to average assets | 3.4247% | 1,443 |
| Loan and lease loss provision to assets | 0.1727% | 1,139 |
| Net operating income to assets | 0.9478% | 2,521 |
| Return on assets (ROA) | 0.9478% | 2,658 |
| Pretax return on assets | 1.4651% | 1,677 |
| Return on Equity (ROE) | 8.4970% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.4970% | 1,378 |
| Net charge-offs to loans | -0.0036% | 4,428 |
| Credit loss provision to net charge-offs | -6,209.0909% | 5,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6101% | 4,051 |
| Assets per employee ($millions) | 6.4727% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 6,034 |
| Loan loss allowance to noncurrent loans | 130.4729% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 4,557 |
| Noncurrent loans to loans | 0.4743% | 4,158 |
| Net loans and leases to total assets | 76.2293% | 1,179 |
| Net loans and leases to deposits | 86.6242% | 1,761 |
| Net loans and leases to core deposits | 98.9411% | 1,399 |
| Total domestic deposits to total assets | 88.0000% | 1,822 |
| Equity capital to assets | 11.8556% | 2,146 |
| Core capital (leverage) ratio | 10.2361% | 3,296 |
| Tier 1 risk-based capital ratio | 11.3662% | 5,622 |
| Total risk-based capital ratio | 11.9203% | 5,875 |
| Memoranda: | ||
| Average total assets | $1,582,142,000 | 456 |
| Average earning assets | $1,419,428,500 | 457 |
| Average equity | $176,485,500 | 466 |
| Average total loans | $1,223,515,500 | 405 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7564% | 1,196 |
| Cost of funding earning assets | 0.4848% | 2,834 |
| Net interest margin | 4.2716% | 1,110 |
| Noninterest income to average assets | 0.2086% | 5,614 |
| Noninterest expense to average assets | 2.6960% | 3,872 |
| Loan and lease loss provision to assets | 0.1776% | 1,452 |
| Net operating income to assets | 0.7961% | 3,394 |
| Return on assets (ROA) | 0.8005% | 3,469 |
| Pretax return on assets | 1.2293% | 2,533 |
| Return on Equity (ROE) | 8.0512% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.0512% | 1,007 |
| Net charge-offs to loans | 0.0606% | 3,633 |
| Credit loss provision to net charge-offs | 384.6154% | 679 |
| Earnings coverage of net charge-offs (x) | 30.3220% | 1,324 |
| Efficiency ratio | 65.2194% | 4,368 |
| Assets per employee ($millions) | 6.5679% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 5,712 |
| Loan loss allowance to noncurrent loans | 258.9824% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 5,033 |
| Noncurrent loans to loans | 0.3177% | 4,704 |
| Net loans and leases to total assets | 77.6140% | 1,057 |
| Net loans and leases to deposits | 86.6931% | 1,890 |
| Net loans and leases to core deposits | 102.1955% | 1,233 |
| Total domestic deposits to total assets | 89.5272% | 960 |
| Equity capital to assets | 10.1243% | 3,951 |
| Core capital (leverage) ratio | 9.3828% | 4,410 |
| Tier 1 risk-based capital ratio | 11.7598% | 5,509 |
| Total risk-based capital ratio | 12.5942% | 5,663 |
| Memoranda: | ||
| Average total assets | $1,210,588,600 | 557 |
| Average earning assets | $1,101,769,200 | 558 |
| Average equity | $120,367,400 | 604 |
| Average total loans | $922,397,600 | 482 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7352% | 1,222 |
| Cost of funding earning assets | 0.4885% | 2,877 |
| Net interest margin | 4.2467% | 1,167 |
| Noninterest income to average assets | 0.2151% | 5,645 |
| Noninterest expense to average assets | 2.6514% | 4,012 |
| Loan and lease loss provision to assets | 0.1844% | 1,326 |
| Net operating income to assets | 0.7992% | 3,429 |
| Return on assets (ROA) | 0.7992% | 3,526 |
| Pretax return on assets | 1.2233% | 2,681 |
| Return on Equity (ROE) | 8.0771% | 3,162 |
| Retained earnings to average equity (ytd only) | 8.0771% | 1,320 |
| Net charge-offs to loans | 0.0835% | 3,011 |
| Credit loss provision to net charge-offs | 292.0354% | 925 |
| Earnings coverage of net charge-offs (x) | 22.2939% | 1,635 |
| Efficiency ratio | 64.7064% | 4,430 |
| Assets per employee ($millions) | 6.6989% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8019% | 5,867 |
| Loan loss allowance to noncurrent loans | 295.7585% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 5,376 |
| Noncurrent loans to loans | 0.2711% | 5,095 |
| Net loans and leases to total assets | 77.2605% | 1,056 |
| Net loans and leases to deposits | 86.3587% | 1,869 |
| Net loans and leases to core deposits | 101.6574% | 1,238 |
| Total domestic deposits to total assets | 89.4646% | 1,000 |
| Equity capital to assets | 10.2312% | 3,890 |
| Core capital (leverage) ratio | 9.4318% | 4,461 |
| Tier 1 risk-based capital ratio | 11.7186% | 5,666 |
| Total risk-based capital ratio | 12.5185% | 5,833 |
| Memoranda: | ||
| Average total assets | $1,193,050,500 | 562 |
| Average earning assets | $1,079,906,000 | 568 |
| Average equity | $118,042,750 | 614 |
| Average total loans | $902,427,000 | 493 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 1,381 |
| Cost of funding earning assets | 0.4923% | 2,909 |
| Net interest margin | 4.1641% | 1,334 |
| Noninterest income to average assets | 0.2035% | 5,738 |
| Noninterest expense to average assets | 2.5741% | 4,337 |
| Loan and lease loss provision to assets | 0.1528% | 1,614 |
| Net operating income to assets | 0.8132% | 3,264 |
| Return on assets (ROA) | 0.8132% | 3,367 |
| Pretax return on assets | 1.2462% | 2,476 |
| Return on Equity (ROE) | 8.3179% | 2,926 |
| Retained earnings to average equity (ytd only) | 8.3179% | 1,204 |
| Net charge-offs to loans | 0.0211% | 3,790 |
| Credit loss provision to net charge-offs | 967.7419% | 342 |
| Earnings coverage of net charge-offs (x) | 88.5806% | 611 |
| Efficiency ratio | 64.1505% | 4,668 |
| Assets per employee ($millions) | 6.7773% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 5,977 |
| Loan loss allowance to noncurrent loans | 224.4211% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 5,262 |
| Noncurrent loans to loans | 0.3563% | 4,929 |
| Net loans and leases to total assets | 76.7478% | 1,078 |
| Net loans and leases to deposits | 85.7744% | 1,838 |
| Net loans and leases to core deposits | 101.7980% | 1,148 |
| Total domestic deposits to total assets | 89.4764% | 1,103 |
| Equity capital to assets | 10.2958% | 3,702 |
| Core capital (leverage) ratio | 9.6339% | 4,132 |
| Tier 1 risk-based capital ratio | 11.7236% | 5,678 |
| Total risk-based capital ratio | 12.5134% | 5,871 |
| Memoranda: | ||
| Average total assets | $1,177,636,000 | 569 |
| Average earning assets | $1,066,120,330 | 571 |
| Average equity | $115,125,330 | 618 |
| Average total loans | $881,494,330 | 496 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,665 |
| Cost of funding earning assets | 0.4877% | 3,033 |
| Net interest margin | 4.0555% | 1,583 |
| Noninterest income to average assets | 0.1902% | 5,825 |
| Noninterest expense to average assets | 2.5872% | 4,314 |
| Loan and lease loss provision to assets | 0.0172% | 3,607 |
| Net operating income to assets | 0.8345% | 2,982 |
| Return on assets (ROA) | 0.8345% | 3,054 |
| Pretax return on assets | 1.2771% | 2,188 |
| Return on Equity (ROE) | 8.7787% | 2,559 |
| Retained earnings to average equity (ytd only) | 8.7787% | 1,321 |
| Net charge-offs to loans | 0.0229% | 3,114 |
| Credit loss provision to net charge-offs | 102.0408% | 1,627 |
| Earnings coverage of net charge-offs (x) | 76.8163% | 561 |
| Efficiency ratio | 65.9993% | 4,526 |
| Assets per employee ($millions) | 6.9048% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7612% | 6,173 |
| Loan loss allowance to noncurrent loans | 290.1482% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 5,608 |
| Noncurrent loans to loans | 0.2624% | 5,316 |
| Net loans and leases to total assets | 74.8034% | 1,152 |
| Net loans and leases to deposits | 83.0376% | 1,942 |
| Net loans and leases to core deposits | 102.5188% | 955 |
| Total domestic deposits to total assets | 90.0837% | 1,025 |
| Equity capital to assets | 9.6665% | 4,274 |
| Core capital (leverage) ratio | 8.7978% | 5,268 |
| Tier 1 risk-based capital ratio | 11.3536% | 5,993 |
| Total risk-based capital ratio | 12.1147% | 6,161 |
| Memoranda: | ||
| Average total assets | $1,163,273,500 | 581 |
| Average earning assets | $1,058,801,000 | 580 |
| Average equity | $110,586,000 | 646 |
| Average total loans | $855,582,500 | 510 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 1,606 |
| Cost of funding earning assets | 0.5426% | 3,174 |
| Net interest margin | 4.1439% | 1,530 |
| Noninterest income to average assets | 0.1890% | 5,954 |
| Noninterest expense to average assets | 2.7195% | 4,028 |
| Loan and lease loss provision to assets | 0.0270% | 4,591 |
| Net operating income to assets | 0.8141% | 3,221 |
| Return on assets (ROA) | 0.8141% | 3,317 |
| Pretax return on assets | 1.2491% | 2,365 |
| Return on Equity (ROE) | 9.6419% | 2,263 |
| Retained earnings to average equity (ytd only) | 9.6419% | 638 |
| Net charge-offs to loans | 0.0187% | 5,066 |
| Credit loss provision to net charge-offs | 193.5484% | 1,183 |
| Earnings coverage of net charge-offs (x) | 91.5806% | 495 |
| Efficiency ratio | 67.9594% | 4,207 |
| Assets per employee ($millions) | 6.9437% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7953% | 6,189 |
| Loan loss allowance to noncurrent loans | 258.7481% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 5,517 |
| Noncurrent loans to loans | 0.3074% | 5,265 |
| Net loans and leases to total assets | 71.1617% | 1,813 |
| Net loans and leases to deposits | 78.8696% | 2,602 |
| Net loans and leases to core deposits | 94.2255% | 1,586 |
| Total domestic deposits to total assets | 90.2270% | 951 |
| Equity capital to assets | 9.3473% | 4,624 |
| Core capital (leverage) ratio | 8.6010% | 5,543 |
| Tier 1 risk-based capital ratio | 11.5221% | 5,894 |
| Total risk-based capital ratio | 12.3154% | 6,082 |
| Memoranda: | ||
| Average total assets | $889,933,000 | 743 |
| Average earning assets | $817,493,800 | 729 |
| Average equity | $75,140,600 | 953 |
| Average total loans | $661,758,600 | 636 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8335% | 1,278 |
| Cost of funding earning assets | 0.5547% | 3,215 |
| Net interest margin | 4.2788% | 1,143 |
| Noninterest income to average assets | 0.1774% | 6,129 |
| Noninterest expense to average assets | 2.7266% | 3,915 |
| Loan and lease loss provision to assets | 0.0390% | 4,228 |
| Net operating income to assets | 0.8881% | 2,894 |
| Return on assets (ROA) | 0.8881% | 3,010 |
| Pretax return on assets | 1.3488% | 2,131 |
| Return on Equity (ROE) | 10.9339% | 1,841 |
| Retained earnings to average equity (ytd only) | 10.9339% | 587 |
| Net charge-offs to loans | 0.0546% | 4,126 |
| Credit loss provision to net charge-offs | 94.8617% | 2,508 |
| Earnings coverage of net charge-offs (x) | 33.7673% | 1,136 |
| Efficiency ratio | 66.2705% | 4,436 |
| Assets per employee ($millions) | 7.0026% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 5,777 |
| Loan loss allowance to noncurrent loans | 238.8726% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3375% | 5,396 |
| Noncurrent loans to loans | 0.4134% | 5,158 |
| Net loans and leases to total assets | 74.1664% | 1,270 |
| Net loans and leases to deposits | 81.1257% | 2,250 |
| Net loans and leases to core deposits | 95.7203% | 1,415 |
| Total domestic deposits to total assets | 91.4215% | 385 |
| Equity capital to assets | 8.1950% | 6,007 |
| Core capital (leverage) ratio | 8.5386% | 5,733 |
| Tier 1 risk-based capital ratio | 11.0477% | 6,259 |
| Total risk-based capital ratio | 12.0410% | 6,331 |
| Memoranda: | ||
| Average total assets | $820,782,500 | 813 |
| Average earning assets | $755,208,250 | 804 |
| Average equity | $66,665,750 | 1,090 |
| Average total loans | $618,003,000 | 679 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8383% | 1,244 |
| Cost of funding earning assets | 0.5498% | 3,418 |
| Net interest margin | 4.2885% | 1,054 |
| Noninterest income to average assets | 0.1792% | 6,137 |
| Noninterest expense to average assets | 2.7848% | 3,724 |
| Loan and lease loss provision to assets | 0.0600% | 3,809 |
| Net operating income to assets | 0.8347% | 3,125 |
| Return on assets (ROA) | 0.8347% | 3,276 |
| Pretax return on assets | 1.2801% | 2,368 |
| Return on Equity (ROE) | 10.3109% | 2,081 |
| Retained earnings to average equity (ytd only) | 10.3109% | 779 |
| Net charge-offs to loans | 0.0477% | 4,012 |
| Credit loss provision to net charge-offs | 166.6667% | 1,405 |
| Earnings coverage of net charge-offs (x) | 37.2361% | 975 |
| Efficiency ratio | 67.5129% | 4,262 |
| Assets per employee ($millions) | 6.4073% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,639 |
| Loan loss allowance to noncurrent loans | 229.6642% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 5,279 |
| Noncurrent loans to loans | 0.4563% | 5,120 |
| Net loans and leases to total assets | 75.7912% | 1,004 |
| Net loans and leases to deposits | 82.6629% | 1,969 |
| Net loans and leases to core deposits | 97.9131% | 1,220 |
| Total domestic deposits to total assets | 91.6871% | 315 |
| Equity capital to assets | 7.9707% | 6,219 |
| Core capital (leverage) ratio | 8.2331% | 5,978 |
| Tier 1 risk-based capital ratio | 10.6623% | 6,458 |
| Total risk-based capital ratio | 11.7278% | 6,488 |
| Memoranda: | ||
| Average total assets | $800,269,000 | 835 |
| Average earning assets | $736,288,670 | 830 |
| Average equity | $64,785,670 | 1,116 |
| Average total loans | $603,699,670 | 689 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7733% | 1,343 |
| Cost of funding earning assets | 0.5435% | 3,640 |
| Net interest margin | 4.2298% | 1,117 |
| Noninterest income to average assets | 0.1707% | 6,234 |
| Noninterest expense to average assets | 2.7320% | 3,938 |
| Loan and lease loss provision to assets | 0.1220% | 2,702 |
| Net operating income to assets | 0.8100% | 3,100 |
| Return on assets (ROA) | 0.8100% | 3,236 |
| Pretax return on assets | 1.2399% | 2,433 |
| Return on Equity (ROE) | 9.9257% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.9257% | 1,128 |
| Net charge-offs to loans | 0.0917% | 2,927 |
| Credit loss provision to net charge-offs | 177.7778% | 1,196 |
| Earnings coverage of net charge-offs (x) | 19.8519% | 1,204 |
| Efficiency ratio | 66.7329% | 4,533 |
| Assets per employee ($millions) | 6.5483% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 5,583 |
| Loan loss allowance to noncurrent loans | 112.5529% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8183% | 4,325 |
| Noncurrent loans to loans | 0.9828% | 4,164 |
| Net loans and leases to total assets | 74.3520% | 1,030 |
| Net loans and leases to deposits | 81.3760% | 1,913 |
| Net loans and leases to core deposits | 92.9928% | 1,417 |
| Total domestic deposits to total assets | 91.3685% | 391 |
| Equity capital to assets | 8.1392% | 6,301 |
| Core capital (leverage) ratio | 8.3011% | 5,827 |
| Tier 1 risk-based capital ratio | 10.9750% | 6,420 |
| Total risk-based capital ratio | 12.1045% | 6,436 |
| Memoranda: | ||
| Average total assets | $787,129,500 | 861 |
| Average earning assets | $730,064,500 | 843 |
| Average equity | $64,237,500 | 1,150 |
| Average total loans | $589,006,500 | 708 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 1,398 |
| Cost of funding earning assets | 0.5815% | 4,518 |
| Net interest margin | 4.4800% | 979 |
| Noninterest income to average assets | 0.1677% | 6,192 |
| Noninterest expense to average assets | 2.9886% | 3,316 |
| Loan and lease loss provision to assets | 0.3351% | 2,010 |
| Net operating income to assets | 0.6582% | 3,946 |
| Return on assets (ROA) | 0.6582% | 4,215 |
| Pretax return on assets | 1.0192% | 3,476 |
| Return on Equity (ROE) | 7.8596% | 3,144 |
| Retained earnings to average equity (ytd only) | 7.8596% | 1,168 |
| Net charge-offs to loans | 0.2520% | 3,428 |
| Credit loss provision to net charge-offs | 174.2729% | 1,512 |
| Earnings coverage of net charge-offs (x) | 7.0440% | 2,689 |
| Efficiency ratio | 68.8158% | 4,000 |
| Assets per employee ($millions) | 6.7423% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 5,431 |
| Loan loss allowance to noncurrent loans | 121.0030% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.8148% | 4,434 |
| Noncurrent loans to loans | 0.9360% | 4,316 |
| Net loans and leases to total assets | 73.6216% | 1,246 |
| Net loans and leases to deposits | 80.5184% | 2,218 |
| Net loans and leases to core deposits | 91.4870% | 1,676 |
| Total domestic deposits to total assets | 91.4344% | 356 |
| Equity capital to assets | 8.1834% | 6,293 |
| Core capital (leverage) ratio | 8.0933% | 6,097 |
| Tier 1 risk-based capital ratio | 11.0380% | 6,337 |
| Total risk-based capital ratio | 12.1860% | 6,339 |
| Memoranda: | ||
| Average total assets | $697,486,200 | 942 |
| Average earning assets | $650,026,400 | 925 |
| Average equity | $58,412,600 | 1,215 |
| Average total loans | $532,167,200 | 776 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 1,412 |
| Cost of funding earning assets | 0.5837% | 4,804 |
| Net interest margin | 4.5240% | 946 |
| Noninterest income to average assets | 0.1727% | 6,273 |
| Noninterest expense to average assets | 3.0384% | 3,103 |
| Loan and lease loss provision to assets | 0.3396% | 1,929 |
| Net operating income to assets | 0.6521% | 4,131 |
| Return on assets (ROA) | 0.6521% | 4,397 |
| Pretax return on assets | 1.0076% | 3,679 |
| Return on Equity (ROE) | 7.7358% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.7358% | 1,736 |
| Net charge-offs to loans | 0.1175% | 4,204 |
| Credit loss provision to net charge-offs | 376.2527% | 717 |
| Earnings coverage of net charge-offs (x) | 14.9260% | 1,809 |
| Efficiency ratio | 69.2808% | 3,819 |
| Assets per employee ($millions) | 7.1834% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1870% | 5,343 |
| Loan loss allowance to noncurrent loans | 191.4816% | 1,843 |
| Noncurrent assets plus other real estate owned to assets | 0.5817% | 5,210 |
| Noncurrent loans to loans | 0.6199% | 5,202 |
| Net loans and leases to total assets | 73.7686% | 1,283 |
| Net loans and leases to deposits | 80.5455% | 2,306 |
| Net loans and leases to core deposits | 91.8682% | 1,791 |
| Total domestic deposits to total assets | 91.5862% | 269 |
| Equity capital to assets | 8.1083% | 6,541 |
| Core capital (leverage) ratio | 8.4242% | 5,869 |
| Tier 1 risk-based capital ratio | 10.9668% | 6,495 |
| Total risk-based capital ratio | 12.1807% | 6,486 |
| Memoranda: | ||
| Average total assets | $678,017,500 | 976 |
| Average earning assets | $631,408,750 | 961 |
| Average equity | $57,153,000 | 1,253 |
| Average total loans | $520,866,000 | 799 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1255% | 1,436 |
| Cost of funding earning assets | 0.5862% | 5,017 |
| Net interest margin | 4.5393% | 928 |
| Noninterest income to average assets | 0.1621% | 6,367 |
| Noninterest expense to average assets | 3.1697% | 2,689 |
| Loan and lease loss provision to assets | 0.2905% | 2,257 |
| Net operating income to assets | 0.6116% | 4,325 |
| Return on assets (ROA) | 0.6116% | 4,573 |
| Pretax return on assets | 0.9527% | 3,877 |
| Return on Equity (ROE) | 7.1478% | 3,704 |
| Retained earnings to average equity (ytd only) | 7.1478% | 2,019 |
| Net charge-offs to loans | -0.0250% | 6,478 |
| Credit loss provision to net charge-offs | -1,493.6508% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8273% | 3,456 |
| Assets per employee ($millions) | 6.0887% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1955% | 5,376 |
| Loan loss allowance to noncurrent loans | 407.9128% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 5,865 |
| Noncurrent loans to loans | 0.2931% | 5,978 |
| Net loans and leases to total assets | 78.6431% | 658 |
| Net loans and leases to deposits | 86.4974% | 1,530 |
| Net loans and leases to core deposits | 98.8973% | 1,182 |
| Total domestic deposits to total assets | 90.9196% | 478 |
| Equity capital to assets | 8.8294% | 5,875 |
| Core capital (leverage) ratio | 9.1341% | 4,714 |
| Tier 1 risk-based capital ratio | 11.3414% | 6,319 |
| Total risk-based capital ratio | 12.5756% | 6,300 |
| Memoranda: | ||
| Average total assets | $647,814,000 | 1,024 |
| Average earning assets | $606,653,330 | 994 |
| Average equity | $55,429,670 | 1,284 |
| Average total loans | $503,215,670 | 823 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 1,810 |
| Cost of funding earning assets | 0.5912% | 5,205 |
| Net interest margin | 4.4312% | 1,159 |
| Noninterest income to average assets | 0.1568% | 6,450 |
| Noninterest expense to average assets | 3.2658% | 2,396 |
| Loan and lease loss provision to assets | 0.2511% | 2,449 |
| Net operating income to assets | 0.5442% | 4,625 |
| Return on assets (ROA) | 0.5442% | 4,838 |
| Pretax return on assets | 0.8475% | 4,236 |
| Return on Equity (ROE) | 6.4733% | 4,057 |
| Retained earnings to average equity (ytd only) | 6.4733% | 2,708 |
| Net charge-offs to loans | -0.0067% | 5,847 |
| Credit loss provision to net charge-offs | -4,925.0000% | 6,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8284% | 2,970 |
| Assets per employee ($millions) | 5.6480% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1921% | 5,523 |
| Loan loss allowance to noncurrent loans | 5,038.1356% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 6,372 |
| Noncurrent loans to loans | 0.0237% | 6,720 |
| Net loans and leases to total assets | 77.2059% | 676 |
| Net loans and leases to deposits | 84.5052% | 1,595 |
| Net loans and leases to core deposits | 95.4148% | 1,338 |
| Total domestic deposits to total assets | 91.3623% | 419 |
| Equity capital to assets | 8.3420% | 6,230 |
| Core capital (leverage) ratio | 8.4013% | 5,739 |
| Tier 1 risk-based capital ratio | 10.7664% | 6,639 |
| Total risk-based capital ratio | 11.9798% | 6,642 |
| Memoranda: | ||
| Average total assets | $627,710,000 | 1,057 |
| Average earning assets | $596,044,500 | 1,009 |
| Average equity | $52,770,500 | 1,344 |
| Average total loans | $481,009,000 | 857 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 2,752 |
| Cost of funding earning assets | 0.6820% | 5,650 |
| Net interest margin | 4.3488% | 1,546 |
| Noninterest income to average assets | 0.1671% | 6,291 |
| Noninterest expense to average assets | 3.2304% | 2,766 |
| Loan and lease loss provision to assets | 0.4842% | 2,180 |
| Net operating income to assets | 0.5932% | 4,038 |
| Return on assets (ROA) | 0.5932% | 4,212 |
| Pretax return on assets | 0.6338% | 4,580 |
| Return on Equity (ROE) | 6.3582% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.3582% | 1,826 |
| Net charge-offs to loans | 0.2444% | 4,253 |
| Credit loss provision to net charge-offs | 261.8997% | 918 |
| Earnings coverage of net charge-offs (x) | 6.0470% | 2,609 |
| Efficiency ratio | 74.2887% | 3,175 |
| Assets per employee ($millions) | 5.9345% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,407 |
| Loan loss allowance to noncurrent loans | 7,918.5714% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 6,217 |
| Noncurrent loans to loans | 0.0151% | 6,800 |
| Net loans and leases to total assets | 74.1715% | 1,246 |
| Net loans and leases to deposits | 81.2167% | 2,324 |
| Net loans and leases to core deposits | 91.2560% | 1,961 |
| Total domestic deposits to total assets | 91.3254% | 389 |
| Equity capital to assets | 8.4738% | 6,173 |
| Core capital (leverage) ratio | 8.7148% | 5,229 |
| Tier 1 risk-based capital ratio | 11.3868% | 6,232 |
| Total risk-based capital ratio | 12.6064% | 6,239 |
| Memoranda: | ||
| Average total assets | $506,776,600 | 1,320 |
| Average earning assets | $487,262,000 | 1,253 |
| Average equity | $47,277,600 | 1,436 |
| Average total loans | $383,321,800 | 1,110 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0767% | 2,727 |
| Cost of funding earning assets | 0.7057% | 5,726 |
| Net interest margin | 4.3709% | 1,490 |
| Noninterest income to average assets | 0.1703% | 6,369 |
| Noninterest expense to average assets | 3.2461% | 2,676 |
| Loan and lease loss provision to assets | 0.5095% | 1,945 |
| Net operating income to assets | 0.6247% | 3,992 |
| Return on assets (ROA) | 0.6247% | 4,166 |
| Pretax return on assets | 0.6094% | 4,777 |
| Return on Equity (ROE) | 6.5040% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.5040% | 2,241 |
| Net charge-offs to loans | 0.2275% | 4,015 |
| Credit loss provision to net charge-offs | 295.3226% | 970 |
| Earnings coverage of net charge-offs (x) | 6.4855% | 2,543 |
| Efficiency ratio | 74.3673% | 3,109 |
| Assets per employee ($millions) | 5.4734% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 5,248 |
| Loan loss allowance to noncurrent loans | 613.9508% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 6,004 |
| Noncurrent loans to loans | 0.2036% | 6,467 |
| Net loans and leases to total assets | 76.3569% | 933 |
| Net loans and leases to deposits | 83.9273% | 2,015 |
| Net loans and leases to core deposits | 95.3675% | 1,663 |
| Total domestic deposits to total assets | 90.9798% | 437 |
| Equity capital to assets | 8.8093% | 5,971 |
| Core capital (leverage) ratio | 9.1625% | 4,686 |
| Tier 1 risk-based capital ratio | 11.4436% | 6,276 |
| Total risk-based capital ratio | 12.7151% | 6,256 |
| Memoranda: | ||
| Average total assets | $479,172,500 | 1,394 |
| Average earning assets | $459,844,250 | 1,334 |
| Average equity | $46,022,000 | 1,482 |
| Average total loans | $363,321,250 | 1,179 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0400% | 2,969 |
| Cost of funding earning assets | 0.7154% | 5,868 |
| Net interest margin | 4.3247% | 1,581 |
| Noninterest income to average assets | 0.1719% | 6,433 |
| Noninterest expense to average assets | 3.3517% | 2,395 |
| Loan and lease loss provision to assets | 0.5783% | 1,675 |
| Net operating income to assets | 0.4054% | 4,919 |
| Return on assets (ROA) | 0.4054% | 5,080 |
| Pretax return on assets | 0.3814% | 5,451 |
| Return on Equity (ROE) | 4.0879% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.0879% | 3,595 |
| Net charge-offs to loans | 0.3597% | 3,117 |
| Credit loss provision to net charge-offs | 213.7097% | 1,402 |
| Earnings coverage of net charge-offs (x) | 3.5468% | 3,138 |
| Efficiency ratio | 77.7407% | 2,751 |
| Assets per employee ($millions) | 5.6823% | 1,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 5,310 |
| Loan loss allowance to noncurrent loans | 620.7349% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 6,009 |
| Noncurrent loans to loans | 0.2014% | 6,505 |
| Net loans and leases to total assets | 76.4726% | 1,009 |
| Net loans and leases to deposits | 84.6078% | 2,015 |
| Net loans and leases to core deposits | 95.8292% | 1,697 |
| Total domestic deposits to total assets | 90.3849% | 769 |
| Equity capital to assets | 9.4234% | 4,934 |
| Core capital (leverage) ratio | 9.8155% | 3,499 |
| Tier 1 risk-based capital ratio | 11.9926% | 5,796 |
| Total risk-based capital ratio | 13.2332% | 5,771 |
| Memoranda: | ||
| Average total assets | $458,276,000 | 1,451 |
| Average earning assets | $438,646,670 | 1,398 |
| Average equity | $45,451,330 | 1,484 |
| Average total loans | $344,766,330 | 1,259 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 3,421 |
| Cost of funding earning assets | 0.7386% | 5,932 |
| Net interest margin | 4.1910% | 1,918 |
| Noninterest income to average assets | 0.1860% | 6,393 |
| Noninterest expense to average assets | 3.5217% | 1,949 |
| Loan and lease loss provision to assets | 0.1318% | 4,349 |
| Net operating income to assets | 0.5823% | 4,123 |
| Return on assets (ROA) | 0.5823% | 4,192 |
| Pretax return on assets | 0.5534% | 4,853 |
| Return on Equity (ROE) | 5.7140% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.7140% | 2,792 |
| Net charge-offs to loans | -0.0012% | 6,171 |
| Credit loss provision to net charge-offs | -14,600.0000% | 6,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7124% | 1,990 |
| Assets per employee ($millions) | 5.4386% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,391 |
| Loan loss allowance to noncurrent loans | 147.0920% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 5,274 |
| Noncurrent loans to loans | 0.8498% | 5,346 |
| Net loans and leases to total assets | 72.1595% | 1,686 |
| Net loans and leases to deposits | 80.3035% | 2,660 |
| Net loans and leases to core deposits | 89.8564% | 2,369 |
| Total domestic deposits to total assets | 89.8585% | 1,241 |
| Equity capital to assets | 9.9699% | 3,816 |
| Core capital (leverage) ratio | 10.4674% | 2,648 |
| Tier 1 risk-based capital ratio | 13.6643% | 4,314 |
| Total risk-based capital ratio | 14.9144% | 4,286 |
| Memoranda: | ||
| Average total assets | $443,075,500 | 1,511 |
| Average earning assets | $425,102,000 | 1,444 |
| Average equity | $45,152,000 | 1,486 |
| Average total loans | $327,932,500 | 1,328 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 3,664 |
| Cost of funding earning assets | 0.9343% | 6,011 |
| Net interest margin | 4.2547% | 1,976 |
| Noninterest income to average assets | 0.1457% | 6,664 |
| Noninterest expense to average assets | 3.2598% | 2,870 |
| Loan and lease loss provision to assets | 0.4473% | 3,443 |
| Net operating income to assets | 0.5377% | 3,937 |
| Return on assets (ROA) | 0.5377% | 4,087 |
| Pretax return on assets | 0.5065% | 4,597 |
| Return on Equity (ROE) | 4.8400% | 4,140 |
| Retained earnings to average equity (ytd only) | 4.8400% | 2,516 |
| Net charge-offs to loans | 0.2910% | 4,560 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 4.2648% | 2,995 |
| Efficiency ratio | 77.3637% | 2,816 |
| Assets per employee ($millions) | 5.1108% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,262 |
| Loan loss allowance to noncurrent loans | 211.3386% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 1.0778% | 4,853 |
| Noncurrent loans to loans | 0.5916% | 5,863 |
| Net loans and leases to total assets | 74.0751% | 1,647 |
| Net loans and leases to deposits | 82.8241% | 2,655 |
| Net loans and leases to core deposits | 92.0588% | 2,494 |
| Total domestic deposits to total assets | 89.4367% | 1,418 |
| Equity capital to assets | 10.4254% | 3,242 |
| Core capital (leverage) ratio | 10.7509% | 2,351 |
| Tier 1 risk-based capital ratio | 13.7351% | 4,034 |
| Total risk-based capital ratio | 14.9405% | 4,043 |
| Memoranda: | ||
| Average total assets | $378,270,400 | 1,743 |
| Average earning assets | $361,672,200 | 1,660 |
| Average equity | $42,024,800 | 1,575 |
| Average total loans | $290,694,400 | 1,538 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2336% | 3,664 |
| Cost of funding earning assets | 0.9647% | 6,112 |
| Net interest margin | 4.2689% | 1,960 |
| Noninterest income to average assets | 0.1532% | 6,762 |
| Noninterest expense to average assets | 3.1900% | 2,958 |
| Loan and lease loss provision to assets | 0.4873% | 3,037 |
| Net operating income to assets | 0.5902% | 3,917 |
| Return on assets (ROA) | 0.5902% | 4,080 |
| Pretax return on assets | 0.5581% | 4,730 |
| Return on Equity (ROE) | 5.2182% | 4,189 |
| Retained earnings to average equity (ytd only) | 5.2182% | 2,829 |
| Net charge-offs to loans | 0.3196% | 4,061 |
| Credit loss provision to net charge-offs | 197.0501% | 1,812 |
| Earnings coverage of net charge-offs (x) | 4.2271% | 3,145 |
| Efficiency ratio | 75.3165% | 3,076 |
| Assets per employee ($millions) | 4.8551% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,230 |
| Loan loss allowance to noncurrent loans | 89.1521% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 1.5311% | 4,153 |
| Noncurrent loans to loans | 1.4021% | 4,515 |
| Net loans and leases to total assets | 78.0630% | 1,029 |
| Net loans and leases to deposits | 88.3201% | 1,970 |
| Net loans and leases to core deposits | 97.4810% | 2,096 |
| Total domestic deposits to total assets | 88.3864% | 1,737 |
| Equity capital to assets | 11.4210% | 2,591 |
| Core capital (leverage) ratio | 11.1315% | 2,172 |
| Tier 1 risk-based capital ratio | 14.7383% | 3,372 |
| Total risk-based capital ratio | 15.9887% | 3,356 |
| Memoranda: | ||
| Average total assets | $365,511,500 | 1,812 |
| Average earning assets | $349,527,250 | 1,733 |
| Average equity | $41,341,750 | 1,603 |
| Average total loans | $282,859,250 | 1,600 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 4,100 |
| Cost of funding earning assets | 0.9868% | 6,213 |
| Net interest margin | 4.1819% | 2,214 |
| Noninterest income to average assets | 0.1414% | 6,875 |
| Noninterest expense to average assets | 3.2190% | 2,839 |
| Loan and lease loss provision to assets | 0.4303% | 3,169 |
| Net operating income to assets | 0.5276% | 4,209 |
| Return on assets (ROA) | 0.5276% | 4,362 |
| Pretax return on assets | 0.4923% | 4,926 |
| Return on Equity (ROE) | 4.6807% | 4,449 |
| Retained earnings to average equity (ytd only) | 4.6807% | 3,097 |
| Net charge-offs to loans | 0.2060% | 4,382 |
| Credit loss provision to net charge-offs | 272.0848% | 1,383 |
| Earnings coverage of net charge-offs (x) | 5.8339% | 2,585 |
| Efficiency ratio | 77.7223% | 2,772 |
| Assets per employee ($millions) | 5.2679% | 1,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2500% | 5,182 |
| Loan loss allowance to noncurrent loans | 186.8059% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 5,640 |
| Noncurrent loans to loans | 0.6692% | 5,913 |
| Net loans and leases to total assets | 74.3108% | 1,844 |
| Net loans and leases to deposits | 83.8462% | 2,895 |
| Net loans and leases to core deposits | 91.9170% | 3,004 |
| Total domestic deposits to total assets | 88.6275% | 1,654 |
| Equity capital to assets | 11.1904% | 2,697 |
| Core capital (leverage) ratio | 11.9980% | 1,642 |
| Tier 1 risk-based capital ratio | 14.9182% | 3,198 |
| Total risk-based capital ratio | 16.1682% | 3,167 |
| Memoranda: | ||
| Average total assets | $357,879,670 | 1,870 |
| Average earning assets | $342,332,670 | 1,787 |
| Average equity | $40,335,670 | 1,645 |
| Average total loans | $274,799,000 | 1,664 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 4,051 |
| Cost of funding earning assets | 1.0499% | 6,136 |
| Net interest margin | 4.1444% | 2,256 |
| Noninterest income to average assets | 0.1299% | 7,036 |
| Noninterest expense to average assets | 3.2921% | 2,554 |
| Loan and lease loss provision to assets | 0.3007% | 3,629 |
| Net operating income to assets | 0.5428% | 4,167 |
| Return on assets (ROA) | 0.5428% | 4,303 |
| Pretax return on assets | 0.4996% | 4,960 |
| Return on Equity (ROE) | 4.7969% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.7969% | 3,271 |
| Net charge-offs to loans | 0.0015% | 5,601 |
| Credit loss provision to net charge-offs | 25,700.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 684.0000% | 33 |
| Efficiency ratio | 80.4460% | 2,500 |
| Assets per employee ($millions) | 4.6758% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 5,272 |
| Loan loss allowance to noncurrent loans | 135.8640% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 5,701 |
| Noncurrent loans to loans | 0.9138% | 5,491 |
| Net loans and leases to total assets | 78.9902% | 983 |
| Net loans and leases to deposits | 89.1684% | 2,040 |
| Net loans and leases to core deposits | 97.9532% | 2,346 |
| Total domestic deposits to total assets | 88.5855% | 1,741 |
| Equity capital to assets | 11.2663% | 2,526 |
| Core capital (leverage) ratio | 11.7365% | 1,783 |
| Tier 1 risk-based capital ratio | 14.5738% | 3,339 |
| Total risk-based capital ratio | 15.8244% | 3,301 |
| Memoranda: | ||
| Average total assets | $341,907,000 | 2,006 |
| Average earning assets | $326,896,000 | 1,911 |
| Average equity | $38,692,000 | 1,734 |
| Average total loans | $265,524,000 | 1,771 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4313% | 4,528 |
| Cost of funding earning assets | 1.6623% | 4,715 |
| Net interest margin | 3.7690% | 3,837 |
| Noninterest income to average assets | 0.1363% | 7,072 |
| Noninterest expense to average assets | 3.7430% | 1,817 |
| Loan and lease loss provision to assets | 0.9196% | 2,440 |
| Net operating income to assets | -0.8931% | 6,508 |
| Return on assets (ROA) | -0.8931% | 6,506 |
| Pretax return on assets | -0.9237% | 6,359 |
| Return on Equity (ROE) | -8.0230% | 6,470 |
| Retained earnings to average equity (ytd only) | -8.0230% | 6,351 |
| Net charge-offs to loans | 0.0232% | 6,913 |
| Credit loss provision to net charge-offs | 5,024.4898% | 74 |
| Earnings coverage of net charge-offs (x) | -0.2245% | 6,485 |
| Efficiency ratio | 100.1099% | 1,096 |
| Assets per employee ($millions) | 4.9678% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,045 |
| Loan loss allowance to noncurrent loans | 538.0711% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 7,041 |
| Noncurrent loans to loans | 0.2324% | 6,850 |
| Net loans and leases to total assets | 74.3384% | 2,184 |
| Net loans and leases to deposits | 83.9931% | 3,274 |
| Net loans and leases to core deposits | 116.2603% | 2,290 |
| Total domestic deposits to total assets | 88.5053% | 1,723 |
| Equity capital to assets | 11.3680% | 2,421 |
| Core capital (leverage) ratio | 11.7958% | 1,758 |
| Tier 1 risk-based capital ratio | 14.6816% | 3,111 |
| Total risk-based capital ratio | 15.9021% | 3,085 |
| Memoranda: | ||
| Average total assets | $267,723,000 | 2,444 |
| Average earning assets | $255,906,600 | 2,359 |
| Average equity | $29,802,000 | 2,241 |
| Average total loans | $211,292,000 | 2,179 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4746% | 4,548 |
| Cost of funding earning assets | 1.7979% | 4,391 |
| Net interest margin | 3.6767% | 4,180 |
| Noninterest income to average assets | 0.1439% | 7,146 |
| Noninterest expense to average assets | 3.8571% | 1,502 |
| Loan and lease loss provision to assets | 0.7578% | 2,470 |
| Net operating income to assets | -0.9256% | 6,781 |
| Return on assets (ROA) | -0.9256% | 6,783 |
| Pretax return on assets | -0.9587% | 6,655 |
| Return on Equity (ROE) | -8.3753% | 6,762 |
| Retained earnings to average equity (ytd only) | -8.3753% | 6,645 |
| Net charge-offs to loans | 0.0226% | 6,575 |
| Credit loss provision to net charge-offs | 4,182.3529% | 98 |
| Earnings coverage of net charge-offs (x) | -11.0887% | 6,908 |
| Efficiency ratio | 105.4948% | 870 |
| Assets per employee ($millions) | 4.7421% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 6,513 |
| Loan loss allowance to noncurrent loans | 8,620.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 7,579 |
| Noncurrent loans to loans | 0.0111% | 7,503 |
| Net loans and leases to total assets | 71.4017% | 3,177 |
| Net loans and leases to deposits | 78.2388% | 4,706 |
| Net loans and leases to core deposits | 111.3425% | 3,086 |
| Total domestic deposits to total assets | 91.2613% | 318 |
| Equity capital to assets | 8.6156% | 6,093 |
| Core capital (leverage) ratio | 9.3730% | 4,085 |
| Tier 1 risk-based capital ratio | 11.2754% | 5,654 |
| Total risk-based capital ratio | 12.1804% | 5,975 |
| Memoranda: | ||
| Average total assets | $250,201,750 | 2,623 |
| Average earning assets | $239,013,250 | 2,528 |
| Average equity | $27,652,000 | 2,417 |
| Average total loans | $200,539,750 | 2,316 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6084% | 4,033 |
| Cost of funding earning assets | 1.9308% | 4,107 |
| Net interest margin | 3.6776% | 4,057 |
| Noninterest income to average assets | 0.1492% | 7,199 |
| Noninterest expense to average assets | 3.9742% | 1,360 |
| Loan and lease loss provision to assets | 0.8679% | 1,940 |
| Net operating income to assets | -1.1549% | 7,087 |
| Return on assets (ROA) | -1.1549% | 7,093 |
| Pretax return on assets | -1.1907% | 6,935 |
| Return on Equity (ROE) | -9.4975% | 6,992 |
| Retained earnings to average equity (ytd only) | -9.4975% | 6,814 |
| Net charge-offs to loans | 0.0354% | 5,971 |
| Credit loss provision to net charge-offs | 2,926.4706% | 177 |
| Earnings coverage of net charge-offs (x) | -10.8824% | 6,534 |
| Efficiency ratio | 108.8390% | 881 |
| Assets per employee ($millions) | 4.1232% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 7,157 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 83.9284% | 648 |
| Net loans and leases to deposits | 94.0927% | 2,074 |
| Net loans and leases to core deposits | 152.2689% | 593 |
| Total domestic deposits to total assets | 89.1976% | 1,169 |
| Equity capital to assets | 10.6588% | 3,242 |
| Core capital (leverage) ratio | 11.1949% | 2,263 |
| Tier 1 risk-based capital ratio | 12.7694% | 4,304 |
| Total risk-based capital ratio | 13.5806% | 4,574 |
| Memoranda: | ||
| Average total assets | $229,276,670 | 2,870 |
| Average earning assets | $218,351,330 | 2,761 |
| Average equity | $27,881,000 | 2,411 |
| Average total loans | $192,177,670 | 2,434 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5552% | 4,610 |
| Cost of funding earning assets | 2.0483% | 3,888 |
| Net interest margin | 3.5069% | 4,702 |
| Noninterest income to average assets | 0.1370% | 7,322 |
| Noninterest expense to average assets | 3.9001% | 1,310 |
| Loan and lease loss provision to assets | 0.8293% | 1,567 |
| Net operating income to assets | -1.2309% | 7,382 |
| Return on assets (ROA) | -1.2309% | 7,398 |
| Pretax return on assets | -1.2680% | 7,284 |
| Return on Equity (ROE) | -9.4335% | 7,325 |
| Retained earnings to average equity (ytd only) | -9.4335% | 7,049 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.6738% | 757 |
| Assets per employee ($millions) | 4.4101% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6377% | 7,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 79.4955% | 1,477 |
| Net loans and leases to deposits | 90.1177% | 2,910 |
| Net loans and leases to core deposits | 148.1172% | 774 |
| Total domestic deposits to total assets | 88.2130% | 1,639 |
| Equity capital to assets | 11.7123% | 2,436 |
| Core capital (leverage) ratio | 12.8863% | 1,525 |
| Tier 1 risk-based capital ratio | 14.4130% | 3,354 |
| Total risk-based capital ratio | 15.0430% | 3,621 |
| Memoranda: | ||
| Average total assets | $216,096,000 | 3,041 |
| Average earning assets | $204,854,500 | 2,949 |
| Average equity | $28,197,500 | 2,403 |
| Average total loans | $180,126,000 | 2,592 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3255% | 3,819 |
| Cost of funding earning assets | 2.0936% | 6,082 |
| Net interest margin | 4.2320% | 2,191 |
| Noninterest income to average assets | 0.0955% | 7,656 |
| Noninterest expense to average assets | 5.4242% | 516 |
| Loan and lease loss provision to assets | 0.6262% | 2,326 |
| Net operating income to assets | -1.9779% | 7,597 |
| Return on assets (ROA) | -1.9779% | 7,558 |
| Pretax return on assets | -1.9909% | 7,434 |
| Return on Equity (ROE) | -8.7395% | 7,177 |
| Retained earnings to average equity (ytd only) | -8.7497% | 6,947 |
| Net charge-offs to loans | 0.1094% | 5,187 |
| Credit loss provision to net charge-offs | 725.6637% | 577 |
| Earnings coverage of net charge-offs (x) | -15.8142% | 6,928 |
| Efficiency ratio | 133.6155% | 438 |
| Assets per employee ($millions) | 3.6613% | 4,262 |
| Cash dividends to net income (ytd only)* | -0.1158% | 7,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4519% | 7,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 87.0692% | 467 |
| Net loans and leases to deposits | 102.2191% | 1,569 |
| Net loans and leases to core deposits | 154.6149% | 695 |
| Total domestic deposits to total assets | 85.1790% | 2,763 |
| Equity capital to assets | 14.6886% | 1,254 |
| Core capital (leverage) ratio | 15.7372% | 876 |
| Tier 1 risk-based capital ratio | 16.8060% | 2,386 |
| Total risk-based capital ratio | 17.2598% | 2,606 |
| Memoranda: | ||
| Average total assets | $130,949,000 | 4,257 |
| Average earning assets | $122,662,000 | 4,201 |
| Average equity | $29,635,400 | 2,282 |
| Average total loans | $103,334,000 | 3,866 |