Home > Sterling Bank and Trust, FSB > Performance and Condition Ratios
Sterling Bank and Trust, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3872% | 1,334 |
| Cost of funding earning assets | 2.4734% | 389 |
| Net interest margin | 2.9138% | 3,452 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.6604% | 1,846 |
| Loan and lease loss provision to assets | -0.3500% | 4,577 |
| Net operating income to assets | 0.4285% | 3,810 |
| Return on assets (ROA) | 0.4269% | 3,812 |
| Pretax return on assets | 0.6012% | 3,632 |
| Return on Equity (ROE) | 3.0800% | 4,012 |
| Retained earnings to average equity (ytd only) | 3.0784% | 3,251 |
| Net charge-offs to loans | 0.3959% | 263 |
| Credit loss provision to net charge-offs | -148.7805% | 4,491 |
| Earnings coverage of net charge-offs (x) | 1.0515% | 2,783 |
| Efficiency ratio | 91.2467% | 378 |
| Assets per employee ($millions) | 9.7048% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1798% | 288 |
| Loan loss allowance to noncurrent loans | 327.6942% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 1,486 |
| Noncurrent loans to loans | 0.6652% | 1,180 |
| Net loans and leases to total assets | 54.6100% | 3,301 |
| Net loans and leases to deposits | 65.2299% | 3,223 |
| Net loans and leases to core deposits | 74.5005% | 3,047 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 12.9823% | 863 |
| Core capital (leverage) ratio | 13.3771% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,449,313,600 | 481 |
| Average earning assets | $2,353,490,800 | 450 |
| Average equity | $339,622,800 | 356 |
| Average total loans | $1,501,457,600 | 512 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2999% | 1,294 |
| Cost of funding earning assets | 2.2789% | 429 |
| Net interest margin | 3.0211% | 3,304 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.7162% | 1,613 |
| Loan and lease loss provision to assets | -0.2300% | 4,592 |
| Net operating income to assets | 0.3860% | 3,986 |
| Return on assets (ROA) | 0.3800% | 3,999 |
| Pretax return on assets | 0.5501% | 3,824 |
| Return on Equity (ROE) | 2.7000% | 4,132 |
| Retained earnings to average equity (ytd only) | 2.6982% | 3,585 |
| Net charge-offs to loans | 0.5204% | 165 |
| Credit loss provision to net charge-offs | -65.2022% | 4,511 |
| Earnings coverage of net charge-offs (x) | 1.0165% | 2,551 |
| Efficiency ratio | 89.1263% | 404 |
| Assets per employee ($millions) | 9.6668% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4189% | 225 |
| Loan loss allowance to noncurrent loans | 554.3028% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 2,003 |
| Noncurrent loans to loans | 0.4364% | 1,741 |
| Net loans and leases to total assets | 56.5200% | 3,153 |
| Net loans and leases to deposits | 67.0455% | 3,051 |
| Net loans and leases to core deposits | 76.2212% | 2,851 |
| Total domestic deposits to total assets | 84.3100% | 2,683 |
| Equity capital to assets | 12.4177% | 939 |
| Core capital (leverage) ratio | 12.9304% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,457,517,250 | 479 |
| Average earning assets | $2,361,237,000 | 451 |
| Average equity | $346,099,000 | 356 |
| Average total loans | $1,539,587,000 | 510 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1541% | 1,281 |
| Cost of funding earning assets | 2.0014% | 491 |
| Net interest margin | 3.1527% | 3,095 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.7402% | 1,554 |
| Loan and lease loss provision to assets | -0.1800% | 4,603 |
| Net operating income to assets | 0.4635% | 3,885 |
| Return on assets (ROA) | 0.4634% | 3,890 |
| Pretax return on assets | 0.6630% | 3,680 |
| Return on Equity (ROE) | 3.1700% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.1663% | 3,426 |
| Net charge-offs to loans | 0.7605% | 113 |
| Credit loss provision to net charge-offs | -33.7937% | 4,518 |
| Earnings coverage of net charge-offs (x) | 0.9874% | 2,389 |
| Efficiency ratio | 85.0371% | 543 |
| Assets per employee ($millions) | 9.8825% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4339% | 241 |
| Loan loss allowance to noncurrent loans | 1,725.6802% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 2,958 |
| Noncurrent loans to loans | 0.1410% | 2,766 |
| Net loans and leases to total assets | 57.2800% | 3,024 |
| Net loans and leases to deposits | 67.3401% | 2,962 |
| Net loans and leases to core deposits | 77.6468% | 2,645 |
| Total domestic deposits to total assets | 85.0700% | 2,527 |
| Equity capital to assets | 12.0275% | 1,039 |
| Core capital (leverage) ratio | 12.9081% | 1,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,461,457,667 | 461 |
| Average earning assets | $2,366,409,000 | 438 |
| Average equity | $360,232,333 | 332 |
| Average total loans | $1,580,566,667 | 487 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 1,139 |
| Cost of funding earning assets | 1.7306% | 525 |
| Net interest margin | 3.3211% | 2,830 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 3.0598% | 981 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.0283% | 4,465 |
| Return on assets (ROA) | 0.0372% | 4,444 |
| Pretax return on assets | 0.0740% | 4,419 |
| Return on Equity (ROE) | 0.2300% | 4,434 |
| Retained earnings to average equity (ytd only) | 0.2329% | 3,983 |
| Net charge-offs to loans | 1.5753% | 50 |
| Credit loss provision to net charge-offs | 12.2115% | 1,396 |
| Earnings coverage of net charge-offs (x) | 0.1644% | 2,007 |
| Efficiency ratio | 94.6282% | 244 |
| Assets per employee ($millions) | 9.1992% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4249% | 240 |
| Loan loss allowance to noncurrent loans | 146.6127% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 361 |
| Noncurrent loans to loans | 1.6539% | 385 |
| Net loans and leases to total assets | 64.3900% | 2,214 |
| Net loans and leases to deposits | 79.9289% | 1,821 |
| Net loans and leases to core deposits | 92.3234% | 1,487 |
| Total domestic deposits to total assets | 80.5500% | 3,698 |
| Equity capital to assets | 16.1833% | 390 |
| Core capital (leverage) ratio | 16.5238% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,427,230,500 | 480 |
| Average earning assets | $2,329,862,000 | 454 |
| Average equity | $388,206,500 | 323 |
| Average total loans | $1,628,155,000 | 478 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9890% | 1,746 |
| Cost of funding earning assets | 0.6504% | 711 |
| Net interest margin | 3.3385% | 2,458 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.9003% | 1,125 |
| Loan and lease loss provision to assets | -0.3800% | 4,683 |
| Net operating income to assets | 0.5196% | 4,056 |
| Return on assets (ROA) | 0.5031% | 4,045 |
| Pretax return on assets | 0.8889% | 3,394 |
| Return on Equity (ROE) | 3.4800% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.4789% | 3,568 |
| Net charge-offs to loans | 0.0631% | 1,019 |
| Credit loss provision to net charge-offs | -863.8261% | 4,660 |
| Earnings coverage of net charge-offs (x) | 12.0504% | 2,125 |
| Efficiency ratio | 84.5500% | 468 |
| Assets per employee ($millions) | 8.9533% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7291% | 166 |
| Loan loss allowance to noncurrent loans | 127.4680% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 1.4592% | 224 |
| Noncurrent loans to loans | 2.1410% | 247 |
| Net loans and leases to total assets | 66.3000% | 2,003 |
| Net loans and leases to deposits | 81.8958% | 1,624 |
| Net loans and leases to core deposits | 93.2197% | 1,337 |
| Total domestic deposits to total assets | 80.9500% | 3,764 |
| Equity capital to assets | 15.4387% | 435 |
| Core capital (leverage) ratio | 16.1907% | 440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.3350% | 295 |
| Memoranda: | ||
| Average total assets | $2,614,835,400 | 439 |
| Average earning assets | $2,505,245,200 | 418 |
| Average equity | $378,104,400 | 326 |
| Average total loans | $1,822,748,800 | 404 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8059% | 1,741 |
| Cost of funding earning assets | 0.4759% | 857 |
| Net interest margin | 3.3300% | 2,201 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.9491% | 976 |
| Loan and lease loss provision to assets | -0.4900% | 4,731 |
| Net operating income to assets | 0.5685% | 3,915 |
| Return on assets (ROA) | 0.5451% | 3,921 |
| Pretax return on assets | 0.9904% | 3,047 |
| Return on Equity (ROE) | 3.8300% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.8294% | 3,502 |
| Net charge-offs to loans | 0.1025% | 605 |
| Credit loss provision to net charge-offs | -681.6911% | 4,708 |
| Earnings coverage of net charge-offs (x) | 7.3906% | 2,073 |
| Efficiency ratio | 84.7511% | 506 |
| Assets per employee ($millions) | 8.8509% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6856% | 183 |
| Loan loss allowance to noncurrent loans | 114.7388% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.6184% | 198 |
| Noncurrent loans to loans | 2.3406% | 235 |
| Net loans and leases to total assets | 67.2900% | 1,755 |
| Net loans and leases to deposits | 83.0665% | 1,360 |
| Net loans and leases to core deposits | 93.3180% | 1,127 |
| Total domestic deposits to total assets | 81.0000% | 3,977 |
| Equity capital to assets | 15.2675% | 431 |
| Core capital (leverage) ratio | 15.8835% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6030% | 327 |
| Memoranda: | ||
| Average total assets | $2,657,479,250 | 432 |
| Average earning assets | $2,545,202,500 | 409 |
| Average equity | $378,289,750 | 326 |
| Average total loans | $1,861,954,500 | 397 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6611% | 1,649 |
| Cost of funding earning assets | 0.3878% | 1,001 |
| Net interest margin | 3.2733% | 1,984 |
| Noninterest income to average assets | 0.4315% | 2,561 |
| Noninterest expense to average assets | 2.8506% | 1,077 |
| Loan and lease loss provision to assets | -0.3956% | 4,742 |
| Net operating income to assets | 0.5692% | 3,710 |
| Return on assets (ROA) | 0.5457% | 3,732 |
| Pretax return on assets | 1.0793% | 2,484 |
| Return on Equity (ROE) | 3.9183% | 4,049 |
| Retained earnings to average equity (ytd only) | 3.9183% | 3,112 |
| Net charge-offs to loans | -0.0642% | 4,323 |
| Credit loss provision to net charge-offs | 876.2987% | 446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9823% | 949 |
| Assets per employee ($millions) | 8.9048% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8950% | 156 |
| Loan loss allowance to noncurrent loans | 98.8203% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 2.0935% | 128 |
| Noncurrent loans to loans | 2.9296% | 172 |
| Net loans and leases to total assets | 69.3907% | 1,361 |
| Net loans and leases to deposits | 85.5504% | 1,006 |
| Net loans and leases to core deposits | 93.9150% | 918 |
| Total domestic deposits to total assets | 81.1109% | 4,114 |
| Equity capital to assets | 15.0544% | 400 |
| Core capital (leverage) ratio | 14.4350% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9259% | 371 |
| Memoranda: | ||
| Average total assets | $2,729,019,667 | 416 |
| Average earning assets | $2,611,639,667 | 404 |
| Average equity | $380,065,333 | 324 |
| Average total loans | $1,919,583,667 | 377 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 1,344 |
| Cost of funding earning assets | 0.4000% | 870 |
| Net interest margin | 3.2684% | 1,657 |
| Noninterest income to average assets | 0.2225% | 3,824 |
| Noninterest expense to average assets | 2.4745% | 1,945 |
| Loan and lease loss provision to assets | -0.6036% | 4,771 |
| Net operating income to assets | 1.0419% | 1,716 |
| Return on assets (ROA) | 1.0156% | 1,800 |
| Pretax return on assets | 1.4423% | 1,146 |
| Return on Equity (ROE) | 7.5620% | 2,850 |
| Retained earnings to average equity (ytd only) | 7.5620% | 1,711 |
| Net charge-offs to loans | -0.0395% | 4,183 |
| Credit loss provision to net charge-offs | 2,188.2653% | 200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9445% | 1,747 |
| Assets per employee ($millions) | 9.2964% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7774% | 200 |
| Loan loss allowance to noncurrent loans | 101.8959% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.8336% | 168 |
| Noncurrent loans to loans | 2.7257% | 208 |
| Net loans and leases to total assets | 65.4035% | 1,470 |
| Net loans and leases to deposits | 82.4562% | 982 |
| Net loans and leases to core deposits | 91.7941% | 824 |
| Total domestic deposits to total assets | 79.3190% | 4,331 |
| Equity capital to assets | 13.5925% | 587 |
| Core capital (leverage) ratio | 13.6485% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2905% | 473 |
| Memoranda: | ||
| Average total assets | $2,842,407,000 | 408 |
| Average earning assets | $2,716,802,000 | 393 |
| Average equity | $381,749,500 | 333 |
| Average total loans | $1,985,329,500 | 367 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5716% | 2,461 |
| Cost of funding earning assets | 0.6550% | 409 |
| Net interest margin | 2.9166% | 3,405 |
| Noninterest income to average assets | 0.0808% | 4,658 |
| Noninterest expense to average assets | 1.9218% | 3,874 |
| Loan and lease loss provision to assets | -0.1110% | 4,560 |
| Net operating income to assets | 0.7603% | 3,457 |
| Return on assets (ROA) | 0.7570% | 3,530 |
| Pretax return on assets | 1.0665% | 3,079 |
| Return on Equity (ROE) | 6.8772% | 3,549 |
| Retained earnings to average equity (ytd only) | 4.2037% | 3,134 |
| Net charge-offs to loans | 0.5147% | 160 |
| Credit loss provision to net charge-offs | -31.2479% | 3,211 |
| Earnings coverage of net charge-offs (x) | 2.7022% | 2,577 |
| Efficiency ratio | 66.6953% | 2,163 |
| Assets per employee ($millions) | 9.4841% | 789 |
| Cash dividends to net income (ytd only)* | 38.8742% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7219% | 206 |
| Loan loss allowance to noncurrent loans | 70.8959% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 2.7756% | 85 |
| Noncurrent loans to loans | 3.8393% | 112 |
| Net loans and leases to total assets | 70.3266% | 1,011 |
| Net loans and leases to deposits | 88.0819% | 648 |
| Net loans and leases to core deposits | 99.4477% | 559 |
| Total domestic deposits to total assets | 79.8423% | 4,236 |
| Equity capital to assets | 13.1759% | 851 |
| Core capital (leverage) ratio | 12.6566% | 885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9286% | 280 |
| Memoranda: | ||
| Average total assets | $3,398,094,600 | 343 |
| Average earning assets | $3,262,996,800 | 327 |
| Average equity | $374,049,200 | 337 |
| Average total loans | $2,344,544,400 | 315 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 2,663 |
| Cost of funding earning assets | 0.7105% | 359 |
| Net interest margin | 2.8503% | 3,655 |
| Noninterest income to average assets | 0.0823% | 4,730 |
| Noninterest expense to average assets | 1.7976% | 4,176 |
| Loan and lease loss provision to assets | -0.0811% | 4,555 |
| Net operating income to assets | 0.7891% | 3,552 |
| Return on assets (ROA) | 0.7862% | 3,627 |
| Pretax return on assets | 1.1022% | 3,190 |
| Return on Equity (ROE) | 7.4405% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.4405% | 2,257 |
| Net charge-offs to loans | 0.0002% | 2,459 |
| Credit loss provision to net charge-offs | -71,533.3333% | 4,275 |
| Earnings coverage of net charge-offs (x) | 9,042.3333% | 9 |
| Efficiency ratio | 63.6898% | 2,437 |
| Assets per employee ($millions) | 10.5907% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1208% | 138 |
| Loan loss allowance to noncurrent loans | 81.5403% | 3,619 |
| Noncurrent assets plus other real estate owned to assets | 2.7571% | 105 |
| Noncurrent loans to loans | 3.8273% | 143 |
| Net loans and leases to total assets | 69.7905% | 1,098 |
| Net loans and leases to deposits | 91.9604% | 499 |
| Net loans and leases to core deposits | 103.4128% | 477 |
| Total domestic deposits to total assets | 75.8919% | 4,546 |
| Equity capital to assets | 12.3137% | 1,253 |
| Core capital (leverage) ratio | 11.8506% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3658% | 359 |
| Memoranda: | ||
| Average total assets | $3,529,201,250 | 332 |
| Average earning assets | $3,392,716,500 | 317 |
| Average equity | $372,903,750 | 337 |
| Average total loans | $2,411,305,000 | 313 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5459% | 2,782 |
| Cost of funding earning assets | 0.7765% | 323 |
| Net interest margin | 2.7694% | 3,850 |
| Noninterest income to average assets | 0.0095% | 4,899 |
| Noninterest expense to average assets | 2.0072% | 3,677 |
| Loan and lease loss provision to assets | -0.1388% | 4,697 |
| Net operating income to assets | 0.5636% | 4,066 |
| Return on assets (ROA) | 0.5604% | 4,122 |
| Pretax return on assets | 0.8024% | 3,865 |
| Return on Equity (ROE) | 5.5653% | 4,010 |
| Retained earnings to average equity (ytd only) | 5.5653% | 2,973 |
| Net charge-offs to loans | -0.0669% | 4,487 |
| Credit loss provision to net charge-offs | 308.2424% | 871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0398% | 1,161 |
| Assets per employee ($millions) | 11.6211% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9744% | 154 |
| Loan loss allowance to noncurrent loans | 78.8039% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 2.6337% | 124 |
| Noncurrent loans to loans | 3.7744% | 151 |
| Net loans and leases to total assets | 67.7022% | 1,487 |
| Net loans and leases to deposits | 87.3246% | 825 |
| Net loans and leases to core deposits | 100.0576% | 658 |
| Total domestic deposits to total assets | 77.5294% | 4,473 |
| Equity capital to assets | 10.9898% | 1,982 |
| Core capital (leverage) ratio | 10.5312% | 1,929 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5031% | 454 |
| Memoranda: | ||
| Average total assets | $3,664,185,000 | 320 |
| Average earning assets | $3,526,481,000 | 308 |
| Average equity | $368,967,667 | 338 |
| Average total loans | $2,464,850,333 | 307 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4893% | 2,962 |
| Cost of funding earning assets | 0.8300% | 306 |
| Net interest margin | 2.6593% | 4,041 |
| Noninterest income to average assets | 0.0516% | 4,849 |
| Noninterest expense to average assets | 1.8878% | 4,009 |
| Loan and lease loss provision to assets | -0.0777% | 4,693 |
| Net operating income to assets | 0.5853% | 3,979 |
| Return on assets (ROA) | 0.5778% | 4,052 |
| Pretax return on assets | 0.7935% | 3,826 |
| Return on Equity (ROE) | 5.9833% | 3,865 |
| Retained earnings to average equity (ytd only) | 5.9833% | 2,909 |
| Net charge-offs to loans | -0.0352% | 4,243 |
| Credit loss provision to net charge-offs | 333.4842% | 712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2442% | 1,469 |
| Assets per employee ($millions) | 12.8825% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8903% | 166 |
| Loan loss allowance to noncurrent loans | 70.3569% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 2.7771% | 126 |
| Noncurrent loans to loans | 4.1081% | 132 |
| Net loans and leases to total assets | 65.5400% | 1,858 |
| Net loans and leases to deposits | 82.8032% | 1,267 |
| Net loans and leases to core deposits | 96.7788% | 856 |
| Total domestic deposits to total assets | 79.1515% | 4,318 |
| Equity capital to assets | 10.0176% | 2,691 |
| Core capital (leverage) ratio | 9.5976% | 2,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6588% | 542 |
| Memoranda: | ||
| Average total assets | $3,793,783,500 | 311 |
| Average earning assets | $3,654,371,500 | 299 |
| Average equity | $366,350,500 | 340 |
| Average total loans | $2,509,315,000 | 303 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2867% | 1,908 |
| Cost of funding earning assets | 1.1668% | 316 |
| Net interest margin | 3.1199% | 3,584 |
| Noninterest income to average assets | 0.1061% | 4,726 |
| Noninterest expense to average assets | 2.1123% | 3,912 |
| Loan and lease loss provision to assets | 1.4992% | 44 |
| Net operating income to assets | -0.3441% | 4,848 |
| Return on assets (ROA) | -0.3379% | 4,863 |
| Pretax return on assets | -0.4926% | 4,876 |
| Return on Equity (ROE) | -3.3991% | 4,877 |
| Retained earnings to average equity (ytd only) | -3.3991% | 4,788 |
| Net charge-offs to loans | 0.1530% | 1,064 |
| Credit loss provision to net charge-offs | 1,303.8260% | 641 |
| Earnings coverage of net charge-offs (x) | 8.6858% | 2,579 |
| Efficiency ratio | 67.8969% | 2,248 |
| Assets per employee ($millions) | 13.4592% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8589% | 167 |
| Loan loss allowance to noncurrent loans | 68.1431% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 2.7259% | 152 |
| Noncurrent loans to loans | 4.1954% | 127 |
| Net loans and leases to total assets | 63.0159% | 2,487 |
| Net loans and leases to deposits | 78.4932% | 2,024 |
| Net loans and leases to core deposits | 92.5903% | 1,334 |
| Total domestic deposits to total assets | 80.2820% | 4,000 |
| Equity capital to assets | 9.3158% | 3,773 |
| Core capital (leverage) ratio | 9.1982% | 3,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5566% | 623 |
| Memoranda: | ||
| Average total assets | $3,659,694,600 | 304 |
| Average earning assets | $3,524,699,800 | 294 |
| Average equity | $363,769,000 | 318 |
| Average total loans | $2,750,014,000 | 281 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 1,623 |
| Cost of funding earning assets | 1.2293% | 330 |
| Net interest margin | 3.2524% | 3,324 |
| Noninterest income to average assets | 0.0934% | 4,779 |
| Noninterest expense to average assets | 2.0536% | 4,037 |
| Loan and lease loss provision to assets | 1.0104% | 135 |
| Net operating income to assets | 0.1237% | 4,679 |
| Return on assets (ROA) | 0.1326% | 4,694 |
| Pretax return on assets | 0.1728% | 4,681 |
| Return on Equity (ROE) | 1.3113% | 4,660 |
| Retained earnings to average equity (ytd only) | 1.3113% | 4,148 |
| Net charge-offs to loans | 0.0354% | 2,124 |
| Credit loss provision to net charge-offs | 3,660.8054% | 291 |
| Earnings coverage of net charge-offs (x) | 42.4617% | 1,318 |
| Efficiency ratio | 63.6658% | 2,793 |
| Assets per employee ($millions) | 13.1139% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8003% | 724 |
| Loan loss allowance to noncurrent loans | 58.0282% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 2.1181% | 291 |
| Noncurrent loans to loans | 3.1024% | 294 |
| Net loans and leases to total assets | 66.9102% | 2,396 |
| Net loans and leases to deposits | 83.5514% | 1,954 |
| Net loans and leases to core deposits | 98.7355% | 1,264 |
| Total domestic deposits to total assets | 80.0827% | 3,846 |
| Equity capital to assets | 9.6440% | 3,560 |
| Core capital (leverage) ratio | 9.9039% | 2,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2992% | 637 |
| Memoranda: | ||
| Average total assets | $3,598,826,500 | 304 |
| Average earning assets | $3,465,764,250 | 293 |
| Average equity | $363,808,500 | 312 |
| Average total loans | $2,804,516,750 | 275 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7406% | 1,306 |
| Cost of funding earning assets | 1.2951% | 367 |
| Net interest margin | 3.4455% | 2,956 |
| Noninterest income to average assets | 0.0836% | 4,825 |
| Noninterest expense to average assets | 3.1902% | 1,183 |
| Loan and lease loss provision to assets | 1.4416% | 90 |
| Net operating income to assets | -0.8527% | 4,952 |
| Return on assets (ROA) | -0.8381% | 4,944 |
| Pretax return on assets | -1.2162% | 4,967 |
| Return on Equity (ROE) | -7.9390% | 4,968 |
| Retained earnings to average equity (ytd only) | -7.9390% | 4,878 |
| Net charge-offs to loans | -0.0036% | 3,919 |
| Credit loss provision to net charge-offs | -49,313.7255% | 4,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9071% | 297 |
| Assets per employee ($millions) | 11.9177% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6945% | 824 |
| Loan loss allowance to noncurrent loans | 86.4928% | 3,421 |
| Noncurrent assets plus other real estate owned to assets | 1.4500% | 661 |
| Noncurrent loans to loans | 1.9591% | 698 |
| Net loans and leases to total assets | 72.7566% | 1,585 |
| Net loans and leases to deposits | 92.5557% | 1,088 |
| Net loans and leases to core deposits | 110.8629% | 705 |
| Total domestic deposits to total assets | 78.6085% | 4,094 |
| Equity capital to assets | 10.2072% | 3,009 |
| Core capital (leverage) ratio | 10.6196% | 2,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9482% | 679 |
| Memoranda: | ||
| Average total assets | $3,489,133,333 | 309 |
| Average earning assets | $3,355,468,000 | 296 |
| Average equity | $368,334,667 | 309 |
| Average total loans | $2,845,814,667 | 270 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0617% | 862 |
| Cost of funding earning assets | 1.3902% | 413 |
| Net interest margin | 3.6714% | 2,429 |
| Noninterest income to average assets | 0.0199% | 5,020 |
| Noninterest expense to average assets | 4.3634% | 348 |
| Loan and lease loss provision to assets | 2.4806% | 47 |
| Net operating income to assets | -2.3781% | 5,063 |
| Return on assets (ROA) | -2.3486% | 5,050 |
| Pretax return on assets | -3.2558% | 5,059 |
| Return on Equity (ROE) | -21.8457% | 5,064 |
| Retained earnings to average equity (ytd only) | -21.8457% | 4,985 |
| Net charge-offs to loans | -0.0042% | 3,804 |
| Credit loss provision to net charge-offs | -69,510.0000% | 4,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.8803% | 100 |
| Assets per employee ($millions) | 11.2026% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4946% | 1,363 |
| Loan loss allowance to noncurrent loans | 376.4067% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,147 |
| Noncurrent loans to loans | 0.3971% | 3,064 |
| Net loans and leases to total assets | 80.6142% | 617 |
| Net loans and leases to deposits | 104.4599% | 348 |
| Net loans and leases to core deposits | 126.0326% | 335 |
| Total domestic deposits to total assets | 77.1724% | 4,331 |
| Equity capital to assets | 10.8203% | 3,026 |
| Core capital (leverage) ratio | 11.4282% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5239% | 799 |
| Memoranda: | ||
| Average total assets | $3,362,622,500 | 307 |
| Average earning assets | $3,234,043,000 | 295 |
| Average equity | $361,518,000 | 310 |
| Average total loans | $2,883,923,500 | 264 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5681% | 499 |
| Cost of funding earning assets | 1.5838% | 317 |
| Net interest margin | 3.9843% | 1,898 |
| Noninterest income to average assets | 0.3482% | 3,617 |
| Noninterest expense to average assets | 1.6373% | 4,922 |
| Loan and lease loss provision to assets | -0.0041% | 4,916 |
| Net operating income to assets | 1.8638% | 462 |
| Return on assets (ROA) | 1.8667% | 483 |
| Pretax return on assets | 2.5526% | 191 |
| Return on Equity (ROE) | 18.7149% | 287 |
| Retained earnings to average equity (ytd only) | 12.8714% | 173 |
| Net charge-offs to loans | -0.0004% | 4,144 |
| Credit loss provision to net charge-offs | 1,023.0769% | 335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8205% | 5,084 |
| Assets per employee ($millions) | 10.0659% | 355 |
| Cash dividends to net income (ytd only)* | 31.2235% | 3,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7450% | 4,469 |
| Loan loss allowance to noncurrent loans | 198.3931% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 3,063 |
| Noncurrent loans to loans | 0.3755% | 3,096 |
| Net loans and leases to total assets | 89.3146% | 59 |
| Net loans and leases to deposits | 111.4406% | 161 |
| Net loans and leases to core deposits | 124.4717% | 376 |
| Total domestic deposits to total assets | 80.1455% | 3,948 |
| Equity capital to assets | 10.6766% | 3,279 |
| Core capital (leverage) ratio | 10.5229% | 2,928 |
| Tier 1 risk-based capital ratio | 17.7783% | 1,814 |
| Total risk-based capital ratio | 18.8953% | 1,807 |
| Memoranda: | ||
| Average total assets | $3,260,109,800 | 303 |
| Average earning assets | $3,137,023,800 | 289 |
| Average equity | $325,185,000 | 324 |
| Average total loans | $2,932,386,400 | 259 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5892% | 502 |
| Cost of funding earning assets | 1.5972% | 304 |
| Net interest margin | 3.9920% | 1,965 |
| Noninterest income to average assets | 0.3703% | 3,498 |
| Noninterest expense to average assets | 1.6054% | 4,998 |
| Loan and lease loss provision to assets | -0.0238% | 5,085 |
| Net operating income to assets | 1.8854% | 513 |
| Return on assets (ROA) | 1.8898% | 526 |
| Pretax return on assets | 2.6357% | 192 |
| Return on Equity (ROE) | 19.2827% | 296 |
| Retained earnings to average equity (ytd only) | 13.2318% | 261 |
| Net charge-offs to loans | 0.0028% | 3,326 |
| Credit loss provision to net charge-offs | -940.3226% | 4,416 |
| Earnings coverage of net charge-offs (x) | 1,029.4283% | 88 |
| Efficiency ratio | 37.7900% | 5,155 |
| Assets per employee ($millions) | 9.7162% | 379 |
| Cash dividends to net income (ytd only)* | 31.3798% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 4,598 |
| Loan loss allowance to noncurrent loans | 212.5927% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 3,347 |
| Noncurrent loans to loans | 0.3407% | 3,316 |
| Net loans and leases to total assets | 87.4539% | 120 |
| Net loans and leases to deposits | 107.6443% | 275 |
| Net loans and leases to core deposits | 120.8273% | 507 |
| Total domestic deposits to total assets | 81.2434% | 3,680 |
| Equity capital to assets | 10.1066% | 3,912 |
| Core capital (leverage) ratio | 10.0741% | 3,559 |
| Tier 1 risk-based capital ratio | 17.3724% | 1,974 |
| Total risk-based capital ratio | 18.4701% | 1,978 |
| Memoranda: | ||
| Average total assets | $3,264,829,250 | 304 |
| Average earning assets | $3,141,708,000 | 293 |
| Average equity | $319,967,750 | 332 |
| Average total loans | $2,936,327,000 | 262 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6138% | 462 |
| Cost of funding earning assets | 1.5759% | 296 |
| Net interest margin | 4.0379% | 1,802 |
| Noninterest income to average assets | 0.3617% | 3,512 |
| Noninterest expense to average assets | 1.6121% | 5,049 |
| Loan and lease loss provision to assets | -0.0514% | 5,177 |
| Net operating income to assets | 1.9258% | 446 |
| Return on assets (ROA) | 1.9310% | 470 |
| Pretax return on assets | 2.6934% | 187 |
| Return on Equity (ROE) | 19.9156% | 265 |
| Retained earnings to average equity (ytd only) | 13.4639% | 261 |
| Net charge-offs to loans | 0.0067% | 2,911 |
| Credit loss provision to net charge-offs | -851.0204% | 4,225 |
| Earnings coverage of net charge-offs (x) | 436.3878% | 173 |
| Efficiency ratio | 37.6273% | 5,192 |
| Assets per employee ($millions) | 9.4016% | 405 |
| Cash dividends to net income (ytd only)* | 32.3951% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7095% | 4,691 |
| Loan loss allowance to noncurrent loans | 312.3488% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2048% | 3,759 |
| Noncurrent loans to loans | 0.2271% | 3,726 |
| Net loans and leases to total assets | 89.2181% | 71 |
| Net loans and leases to deposits | 110.0307% | 217 |
| Net loans and leases to core deposits | 124.6701% | 414 |
| Total domestic deposits to total assets | 81.0848% | 3,779 |
| Equity capital to assets | 9.9098% | 4,051 |
| Core capital (leverage) ratio | 9.8833% | 3,723 |
| Tier 1 risk-based capital ratio | 16.6439% | 2,190 |
| Total risk-based capital ratio | 17.7160% | 2,194 |
| Memoranda: | ||
| Average total assets | $3,245,454,330 | 305 |
| Average earning assets | $3,123,282,330 | 294 |
| Average equity | $314,678,000 | 337 |
| Average total loans | $2,939,350,670 | 262 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5421% | 485 |
| Cost of funding earning assets | 1.5066% | 318 |
| Net interest margin | 4.0355% | 1,731 |
| Noninterest income to average assets | 0.4698% | 2,735 |
| Noninterest expense to average assets | 1.5889% | 5,106 |
| Loan and lease loss provision to assets | -0.1257% | 5,300 |
| Net operating income to assets | 2.0740% | 345 |
| Return on assets (ROA) | 2.0788% | 356 |
| Pretax return on assets | 2.9001% | 141 |
| Return on Equity (ROE) | 21.6831% | 184 |
| Retained earnings to average equity (ytd only) | 15.0647% | 275 |
| Net charge-offs to loans | 0.0188% | 2,091 |
| Credit loss provision to net charge-offs | -734.7826% | 3,878 |
| Earnings coverage of net charge-offs (x) | 161.8696% | 473 |
| Efficiency ratio | 36.1444% | 5,266 |
| Assets per employee ($millions) | 9.2528% | 430 |
| Cash dividends to net income (ytd only)* | 30.5234% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7018% | 4,775 |
| Loan loss allowance to noncurrent loans | 282.1044% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.2256% | 3,723 |
| Noncurrent loans to loans | 0.2488% | 3,673 |
| Net loans and leases to total assets | 89.9128% | 53 |
| Net loans and leases to deposits | 114.7445% | 142 |
| Net loans and leases to core deposits | 124.1845% | 421 |
| Total domestic deposits to total assets | 78.3591% | 4,457 |
| Equity capital to assets | 9.6833% | 4,104 |
| Core capital (leverage) ratio | 9.7581% | 3,860 |
| Tier 1 risk-based capital ratio | 16.0680% | 2,409 |
| Total risk-based capital ratio | 17.1239% | 2,430 |
| Memoranda: | ||
| Average total assets | $3,227,607,500 | 309 |
| Average earning assets | $3,109,203,000 | 295 |
| Average equity | $309,439,000 | 341 |
| Average total loans | $2,934,877,500 | 261 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3718% | 504 |
| Cost of funding earning assets | 1.2334% | 297 |
| Net interest margin | 4.1384% | 1,564 |
| Noninterest income to average assets | 0.7181% | 1,779 |
| Noninterest expense to average assets | 1.5766% | 5,183 |
| Loan and lease loss provision to assets | 0.1041% | 2,111 |
| Net operating income to assets | 2.1901% | 256 |
| Return on assets (ROA) | 2.1901% | 246 |
| Pretax return on assets | 3.0377% | 92 |
| Return on Equity (ROE) | 24.9459% | 93 |
| Retained earnings to average equity (ytd only) | 22.6989% | 25 |
| Net charge-offs to loans | -0.0058% | 4,378 |
| Credit loss provision to net charge-offs | -1,968.9024% | 4,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.1065% | 5,348 |
| Assets per employee ($millions) | 9.0859% | 453 |
| Cash dividends to net income (ytd only)* | 9.0075% | 3,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7481% | 4,681 |
| Loan loss allowance to noncurrent loans | 485.5556% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 4,120 |
| Noncurrent loans to loans | 0.1541% | 4,053 |
| Net loans and leases to total assets | 90.6364% | 51 |
| Net loans and leases to deposits | 112.5104% | 192 |
| Net loans and leases to core deposits | 122.6962% | 475 |
| Total domestic deposits to total assets | 80.5583% | 3,983 |
| Equity capital to assets | 9.4895% | 4,141 |
| Core capital (leverage) ratio | 9.4387% | 4,187 |
| Tier 1 risk-based capital ratio | 15.8044% | 2,494 |
| Total risk-based capital ratio | 16.9439% | 2,461 |
| Memoranda: | ||
| Average total assets | $3,101,792,400 | 312 |
| Average earning assets | $2,998,284,800 | 298 |
| Average equity | $272,316,800 | 365 |
| Average total loans | $2,848,295,400 | 264 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2965% | 526 |
| Cost of funding earning assets | 1.1587% | 311 |
| Net interest margin | 4.1378% | 1,526 |
| Noninterest income to average assets | 0.7087% | 1,838 |
| Noninterest expense to average assets | 1.5390% | 5,253 |
| Loan and lease loss provision to assets | 0.0946% | 2,084 |
| Net operating income to assets | 2.2080% | 263 |
| Return on assets (ROA) | 2.2036% | 260 |
| Pretax return on assets | 3.0704% | 108 |
| Return on Equity (ROE) | 25.6386% | 80 |
| Retained earnings to average equity (ytd only) | 23.3255% | 30 |
| Net charge-offs to loans | -0.0059% | 4,256 |
| Credit loss provision to net charge-offs | -1,747.2000% | 4,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3668% | 5,421 |
| Assets per employee ($millions) | 9.6595% | 361 |
| Cash dividends to net income (ytd only)* | 9.0217% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 4,860 |
| Loan loss allowance to noncurrent loans | 5,832.8652% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,957 |
| Noncurrent loans to loans | 0.0121% | 4,862 |
| Net loans and leases to total assets | 91.0277% | 45 |
| Net loans and leases to deposits | 114.1149% | 182 |
| Net loans and leases to core deposits | 123.4922% | 477 |
| Total domestic deposits to total assets | 79.7685% | 4,157 |
| Equity capital to assets | 9.0018% | 4,550 |
| Core capital (leverage) ratio | 9.0446% | 4,664 |
| Tier 1 risk-based capital ratio | 14.9114% | 2,923 |
| Total risk-based capital ratio | 15.9891% | 2,920 |
| Memoranda: | ||
| Average total assets | $3,077,681,750 | 314 |
| Average earning assets | $2,975,793,500 | 299 |
| Average equity | $264,522,000 | 371 |
| Average total loans | $2,830,215,250 | 265 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2130% | 544 |
| Cost of funding earning assets | 1.0854% | 311 |
| Net interest margin | 4.1276% | 1,474 |
| Noninterest income to average assets | 0.7899% | 1,499 |
| Noninterest expense to average assets | 1.5376% | 5,316 |
| Loan and lease loss provision to assets | 0.1159% | 1,716 |
| Net operating income to assets | 2.2442% | 239 |
| Return on assets (ROA) | 2.2392% | 233 |
| Pretax return on assets | 3.1198% | 101 |
| Return on Equity (ROE) | 26.4926% | 59 |
| Retained earnings to average equity (ytd only) | 24.1098% | 30 |
| Net charge-offs to loans | -0.0059% | 4,150 |
| Credit loss provision to net charge-offs | -2,147.5610% | 4,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8586% | 5,486 |
| Assets per employee ($millions) | 9.6057% | 364 |
| Cash dividends to net income (ytd only)* | 8.9941% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7100% | 4,926 |
| Loan loss allowance to noncurrent loans | 3,166.9267% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,926 |
| Noncurrent loans to loans | 0.0224% | 4,833 |
| Net loans and leases to total assets | 91.2137% | 46 |
| Net loans and leases to deposits | 115.0029% | 175 |
| Net loans and leases to core deposits | 125.7661% | 417 |
| Total domestic deposits to total assets | 79.3143% | 4,374 |
| Equity capital to assets | 8.7513% | 4,761 |
| Core capital (leverage) ratio | 8.8444% | 4,845 |
| Tier 1 risk-based capital ratio | 14.5196% | 3,105 |
| Total risk-based capital ratio | 15.6042% | 3,100 |
| Memoranda: | ||
| Average total assets | $3,037,813,670 | 315 |
| Average earning assets | $2,936,344,670 | 303 |
| Average equity | $256,758,670 | 376 |
| Average total loans | $2,796,559,670 | 263 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1272% | 556 |
| Cost of funding earning assets | 1.0236% | 330 |
| Net interest margin | 4.1036% | 1,430 |
| Noninterest income to average assets | 0.7463% | 1,638 |
| Noninterest expense to average assets | 1.4802% | 5,409 |
| Loan and lease loss provision to assets | 0.0854% | 2,094 |
| Net operating income to assets | 2.2596% | 217 |
| Return on assets (ROA) | 2.2529% | 220 |
| Pretax return on assets | 3.1387% | 100 |
| Return on Equity (ROE) | 27.1534% | 64 |
| Retained earnings to average equity (ytd only) | 24.6967% | 47 |
| Net charge-offs to loans | -0.0049% | 4,010 |
| Credit loss provision to net charge-offs | -1,885.2941% | 4,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0884% | 5,556 |
| Assets per employee ($millions) | 9.6746% | 358 |
| Cash dividends to net income (ytd only)* | 9.0473% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6824% | 5,062 |
| Loan loss allowance to noncurrent loans | 374.0371% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 4,247 |
| Noncurrent loans to loans | 0.1824% | 4,150 |
| Net loans and leases to total assets | 91.6594% | 32 |
| Net loans and leases to deposits | 115.4169% | 165 |
| Net loans and leases to core deposits | 126.5526% | 408 |
| Total domestic deposits to total assets | 79.4160% | 4,506 |
| Equity capital to assets | 8.4482% | 5,015 |
| Core capital (leverage) ratio | 8.6517% | 5,017 |
| Tier 1 risk-based capital ratio | 14.0248% | 3,372 |
| Total risk-based capital ratio | 15.0730% | 3,392 |
| Memoranda: | ||
| Average total assets | $3,000,593,000 | 319 |
| Average earning assets | $2,900,455,500 | 302 |
| Average equity | $248,956,000 | 390 |
| Average total loans | $2,765,287,500 | 265 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2102% | 439 |
| Cost of funding earning assets | 0.8969% | 378 |
| Net interest margin | 4.3133% | 940 |
| Noninterest income to average assets | 0.5862% | 2,515 |
| Noninterest expense to average assets | 1.6156% | 5,405 |
| Loan and lease loss provision to assets | 0.1090% | 2,064 |
| Net operating income to assets | 1.6393% | 600 |
| Return on assets (ROA) | 1.6423% | 614 |
| Pretax return on assets | 3.0142% | 100 |
| Return on Equity (ROE) | 19.0208% | 240 |
| Retained earnings to average equity (ytd only) | 13.1137% | 128 |
| Net charge-offs to loans | -0.0410% | 5,134 |
| Credit loss provision to net charge-offs | -288.7701% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.7648% | 5,609 |
| Assets per employee ($millions) | 9.6214% | 362 |
| Cash dividends to net income (ytd only)* | 31.0557% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6768% | 5,109 |
| Loan loss allowance to noncurrent loans | 2,357.2158% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,021 |
| Noncurrent loans to loans | 0.0287% | 4,882 |
| Net loans and leases to total assets | 91.4007% | 45 |
| Net loans and leases to deposits | 114.4852% | 169 |
| Net loans and leases to core deposits | 129.1836% | 360 |
| Total domestic deposits to total assets | 79.8363% | 4,367 |
| Equity capital to assets | 8.1418% | 5,332 |
| Core capital (leverage) ratio | 8.6781% | 4,970 |
| Tier 1 risk-based capital ratio | 13.7109% | 3,514 |
| Total risk-based capital ratio | 15.1318% | 3,335 |
| Memoranda: | ||
| Average total assets | $2,477,275,600 | 347 |
| Average earning assets | $2,382,178,800 | 338 |
| Average equity | $213,897,800 | 416 |
| Average total loans | $2,278,764,200 | 288 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2462% | 382 |
| Cost of funding earning assets | 0.8682% | 419 |
| Net interest margin | 4.3780% | 764 |
| Noninterest income to average assets | 0.6992% | 2,004 |
| Noninterest expense to average assets | 1.6152% | 5,443 |
| Loan and lease loss provision to assets | 0.1189% | 1,821 |
| Net operating income to assets | 1.8779% | 408 |
| Return on assets (ROA) | 1.8806% | 409 |
| Pretax return on assets | 3.1733% | 103 |
| Return on Equity (ROE) | 21.3961% | 160 |
| Retained earnings to average equity (ytd only) | 15.7282% | 97 |
| Net charge-offs to loans | -0.0164% | 4,780 |
| Credit loss provision to net charge-offs | -786.5169% | 4,911 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5811% | 5,678 |
| Assets per employee ($millions) | 8.9349% | 452 |
| Cash dividends to net income (ytd only)* | 26.4905% | 2,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7108% | 5,117 |
| Loan loss allowance to noncurrent loans | 1,916.2765% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 5,065 |
| Noncurrent loans to loans | 0.0371% | 4,953 |
| Net loans and leases to total assets | 91.0900% | 51 |
| Net loans and leases to deposits | 111.3890% | 236 |
| Net loans and leases to core deposits | 127.7681% | 374 |
| Total domestic deposits to total assets | 81.7764% | 3,841 |
| Equity capital to assets | 8.6410% | 5,196 |
| Core capital (leverage) ratio | 8.8004% | 4,969 |
| Tier 1 risk-based capital ratio | 14.2567% | 3,323 |
| Total risk-based capital ratio | 15.3363% | 3,312 |
| Memoranda: | ||
| Average total assets | $2,355,750,500 | 356 |
| Average earning assets | $2,262,174,000 | 346 |
| Average equity | $207,054,000 | 427 |
| Average total loans | $2,166,704,250 | 299 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1903% | 402 |
| Cost of funding earning assets | 0.8300% | 448 |
| Net interest margin | 4.3603% | 751 |
| Noninterest income to average assets | 0.5905% | 2,508 |
| Noninterest expense to average assets | 1.6184% | 5,480 |
| Loan and lease loss provision to assets | 0.1061% | 1,919 |
| Net operating income to assets | 1.8036% | 447 |
| Return on assets (ROA) | 1.8077% | 460 |
| Pretax return on assets | 3.0567% | 110 |
| Return on Equity (ROE) | 20.4335% | 201 |
| Retained earnings to average equity (ytd only) | 14.5100% | 160 |
| Net charge-offs to loans | -0.0215% | 4,803 |
| Credit loss provision to net charge-offs | -535.7143% | 4,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6006% | 5,717 |
| Assets per employee ($millions) | 9.2018% | 391 |
| Cash dividends to net income (ytd only)* | 28.9892% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 5,134 |
| Loan loss allowance to noncurrent loans | 2,443.0075% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 5,155 |
| Noncurrent loans to loans | 0.0299% | 5,044 |
| Net loans and leases to total assets | 91.1980% | 51 |
| Net loans and leases to deposits | 120.0359% | 98 |
| Net loans and leases to core deposits | 126.4889% | 379 |
| Total domestic deposits to total assets | 75.9757% | 5,097 |
| Equity capital to assets | 8.5518% | 5,267 |
| Core capital (leverage) ratio | 9.0099% | 4,711 |
| Tier 1 risk-based capital ratio | 13.8092% | 3,528 |
| Total risk-based capital ratio | 14.9033% | 3,539 |
| Memoranda: | ||
| Average total assets | $2,262,398,670 | 376 |
| Average earning assets | $2,170,993,670 | 357 |
| Average equity | $200,151,670 | 439 |
| Average total loans | $2,082,891,000 | 310 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2406% | 357 |
| Cost of funding earning assets | 0.8334% | 403 |
| Net interest margin | 4.4072% | 629 |
| Noninterest income to average assets | 0.8471% | 1,409 |
| Noninterest expense to average assets | 1.4763% | 5,647 |
| Loan and lease loss provision to assets | 0.1099% | 1,742 |
| Net operating income to assets | 2.0823% | 268 |
| Return on assets (ROA) | 2.0823% | 275 |
| Pretax return on assets | 3.4882% | 102 |
| Return on Equity (ROE) | 23.1098% | 118 |
| Retained earnings to average equity (ytd only) | 17.9905% | 141 |
| Net charge-offs to loans | -0.0290% | 4,916 |
| Credit loss provision to net charge-offs | -410.9589% | 4,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0928% | 5,806 |
| Assets per employee ($millions) | 9.4978% | 360 |
| Cash dividends to net income (ytd only)* | 22.1518% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7697% | 5,148 |
| Loan loss allowance to noncurrent loans | 2,432.5000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0290% | 5,202 |
| Noncurrent loans to loans | 0.0316% | 5,082 |
| Net loans and leases to total assets | 91.0812% | 35 |
| Net loans and leases to deposits | 114.2217% | 145 |
| Net loans and leases to core deposits | 122.2855% | 404 |
| Total domestic deposits to total assets | 79.7407% | 4,676 |
| Equity capital to assets | 9.1291% | 4,682 |
| Core capital (leverage) ratio | 9.1270% | 4,572 |
| Tier 1 risk-based capital ratio | 14.9855% | 2,965 |
| Total risk-based capital ratio | 16.1452% | 2,947 |
| Memoranda: | ||
| Average total assets | $2,183,566,500 | 385 |
| Average earning assets | $2,094,480,500 | 368 |
| Average equity | $196,748,000 | 446 |
| Average total loans | $2,012,688,500 | 316 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 627 |
| Cost of funding earning assets | 0.7529% | 628 |
| Net interest margin | 4.2193% | 1,071 |
| Noninterest income to average assets | 0.6152% | 2,580 |
| Noninterest expense to average assets | 1.4385% | 5,752 |
| Loan and lease loss provision to assets | 0.0665% | 3,034 |
| Net operating income to assets | 1.8877% | 382 |
| Return on assets (ROA) | 1.8579% | 415 |
| Pretax return on assets | 3.1016% | 104 |
| Return on Equity (ROE) | 21.6962% | 157 |
| Retained earnings to average equity (ytd only) | 15.5879% | 91 |
| Net charge-offs to loans | -0.1433% | 5,673 |
| Credit loss provision to net charge-offs | -50.0391% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.9136% | 5,867 |
| Assets per employee ($millions) | 10.4022% | 274 |
| Cash dividends to net income (ytd only)* | 28.1539% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 5,269 |
| Loan loss allowance to noncurrent loans | 2,623.3628% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,279 |
| Noncurrent loans to loans | 0.0282% | 5,152 |
| Net loans and leases to total assets | 91.8831% | 35 |
| Net loans and leases to deposits | 120.5438% | 87 |
| Net loans and leases to core deposits | 132.7287% | 254 |
| Total domestic deposits to total assets | 76.2239% | 5,222 |
| Equity capital to assets | 8.8895% | 4,923 |
| Core capital (leverage) ratio | 9.2279% | 4,438 |
| Tier 1 risk-based capital ratio | 14.5629% | 3,171 |
| Total risk-based capital ratio | 15.6852% | 3,153 |
| Memoranda: | ||
| Average total assets | $1,924,609,600 | 405 |
| Average earning assets | $1,841,903,600 | 390 |
| Average equity | $164,807,400 | 489 |
| Average total loans | $1,784,473,200 | 332 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9295% | 684 |
| Cost of funding earning assets | 0.7314% | 694 |
| Net interest margin | 4.1981% | 1,123 |
| Noninterest income to average assets | 0.7624% | 1,922 |
| Noninterest expense to average assets | 1.4397% | 5,800 |
| Loan and lease loss provision to assets | 0.0636% | 2,969 |
| Net operating income to assets | 1.9564% | 361 |
| Return on assets (ROA) | 1.9564% | 381 |
| Pretax return on assets | 3.2749% | 102 |
| Return on Equity (ROE) | 23.1024% | 124 |
| Retained earnings to average equity (ytd only) | 17.2677% | 88 |
| Net charge-offs to loans | -0.1735% | 5,726 |
| Credit loss provision to net charge-offs | -39.5380% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1297% | 5,934 |
| Assets per employee ($millions) | 10.3077% | 272 |
| Cash dividends to net income (ytd only)* | 25.2558% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7535% | 5,311 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 5,084 |
| Noncurrent loans to loans | 0.0603% | 5,115 |
| Net loans and leases to total assets | 91.6230% | 32 |
| Net loans and leases to deposits | 118.0937% | 131 |
| Net loans and leases to core deposits | 131.5688% | 277 |
| Total domestic deposits to total assets | 77.5850% | 4,985 |
| Equity capital to assets | 9.1915% | 4,985 |
| Core capital (leverage) ratio | 9.2468% | 4,537 |
| Tier 1 risk-based capital ratio | 14.9888% | 3,057 |
| Total risk-based capital ratio | 16.1201% | 3,045 |
| Memoranda: | ||
| Average total assets | $1,864,850,000 | 418 |
| Average earning assets | $1,783,878,250 | 400 |
| Average equity | $157,924,750 | 504 |
| Average total loans | $1,729,879,250 | 338 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 879 |
| Cost of funding earning assets | 0.7100% | 763 |
| Net interest margin | 4.0926% | 1,385 |
| Noninterest income to average assets | 0.7152% | 2,067 |
| Noninterest expense to average assets | 1.4613% | 5,865 |
| Loan and lease loss provision to assets | 0.0553% | 3,043 |
| Net operating income to assets | 1.8614% | 428 |
| Return on assets (ROA) | 1.8616% | 453 |
| Pretax return on assets | 3.1137% | 115 |
| Return on Equity (ROE) | 22.7083% | 136 |
| Retained earnings to average equity (ytd only) | 16.5432% | 104 |
| Net charge-offs to loans | -0.2482% | 5,846 |
| Credit loss provision to net charge-offs | -23.9578% | 4,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.5629% | 6,004 |
| Assets per employee ($millions) | 10.2721% | 256 |
| Cash dividends to net income (ytd only)* | 27.1491% | 2,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 5,416 |
| Loan loss allowance to noncurrent loans | 2,113.8629% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 5,283 |
| Noncurrent loans to loans | 0.0353% | 5,328 |
| Net loans and leases to total assets | 92.4552% | 20 |
| Net loans and leases to deposits | 123.1802% | 83 |
| Net loans and leases to core deposits | 137.4871% | 210 |
| Total domestic deposits to total assets | 75.0569% | 5,406 |
| Equity capital to assets | 8.8229% | 5,383 |
| Core capital (leverage) ratio | 9.3057% | 4,453 |
| Tier 1 risk-based capital ratio | 14.3747% | 3,390 |
| Total risk-based capital ratio | 15.5049% | 3,386 |
| Memoranda: | ||
| Average total assets | $1,809,591,330 | 428 |
| Average earning assets | $1,730,913,670 | 409 |
| Average equity | $148,351,330 | 537 |
| Average total loans | $1,681,623,670 | 345 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 920 |
| Cost of funding earning assets | 0.7043% | 796 |
| Net interest margin | 4.0576% | 1,454 |
| Noninterest income to average assets | 1.1078% | 888 |
| Noninterest expense to average assets | 1.4497% | 5,938 |
| Loan and lease loss provision to assets | 0.0518% | 2,895 |
| Net operating income to assets | 2.0824% | 293 |
| Return on assets (ROA) | 2.0824% | 304 |
| Pretax return on assets | 3.4808% | 96 |
| Return on Equity (ROE) | 26.5368% | 81 |
| Retained earnings to average equity (ytd only) | 21.0893% | 73 |
| Net charge-offs to loans | -0.4314% | 5,979 |
| Credit loss provision to net charge-offs | -12.9310% | 4,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0972% | 6,075 |
| Assets per employee ($millions) | 9.1536% | 369 |
| Cash dividends to net income (ytd only)* | 20.5281% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7911% | 5,388 |
| Loan loss allowance to noncurrent loans | 1,986.0429% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 5,261 |
| Noncurrent loans to loans | 0.0398% | 5,334 |
| Net loans and leases to total assets | 91.9225% | 33 |
| Net loans and leases to deposits | 121.9262% | 87 |
| Net loans and leases to core deposits | 132.2295% | 240 |
| Total domestic deposits to total assets | 75.3919% | 5,480 |
| Equity capital to assets | 7.9296% | 5,847 |
| Core capital (leverage) ratio | 8.2789% | 5,590 |
| Tier 1 risk-based capital ratio | 12.8029% | 4,395 |
| Total risk-based capital ratio | 13.9819% | 4,350 |
| Memoranda: | ||
| Average total assets | $1,738,541,500 | 449 |
| Average earning assets | $1,660,102,500 | 422 |
| Average equity | $136,429,500 | 582 |
| Average total loans | $1,613,430,500 | 350 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8760% | 816 |
| Cost of funding earning assets | 0.5914% | 1,424 |
| Net interest margin | 4.2846% | 992 |
| Noninterest income to average assets | 0.2701% | 4,936 |
| Noninterest expense to average assets | 1.6252% | 5,900 |
| Loan and lease loss provision to assets | 0.0366% | 3,612 |
| Net operating income to assets | 1.6151% | 680 |
| Return on assets (ROA) | 1.6151% | 705 |
| Pretax return on assets | 2.6844% | 157 |
| Return on Equity (ROE) | 18.5812% | 345 |
| Retained earnings to average equity (ytd only) | 12.3487% | 231 |
| Net charge-offs to loans | -0.0335% | 5,436 |
| Credit loss provision to net charge-offs | -118.2432% | 5,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.3935% | 6,097 |
| Assets per employee ($millions) | 9.2456% | 353 |
| Cash dividends to net income (ytd only)* | 33.5421% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6908% | 5,649 |
| Loan loss allowance to noncurrent loans | 941.2168% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1715% | 4,918 |
| Noncurrent loans to loans | 0.0734% | 5,212 |
| Net loans and leases to total assets | 92.3146% | 21 |
| Net loans and leases to deposits | 127.5326% | 57 |
| Net loans and leases to core deposits | 143.6900% | 141 |
| Total domestic deposits to total assets | 72.3851% | 5,773 |
| Equity capital to assets | 7.7624% | 5,931 |
| Core capital (leverage) ratio | 8.2573% | 5,637 |
| Tier 1 risk-based capital ratio | 12.6565% | 4,542 |
| Total risk-based capital ratio | 13.6984% | 4,557 |
| Memoranda: | ||
| Average total assets | $1,433,352,400 | 497 |
| Average earning assets | $1,363,624,800 | 475 |
| Average equity | $124,588,200 | 611 |
| Average total loans | $1,326,613,400 | 383 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8970% | 766 |
| Cost of funding earning assets | 0.5621% | 1,697 |
| Net interest margin | 4.3349% | 898 |
| Noninterest income to average assets | 0.3348% | 4,550 |
| Noninterest expense to average assets | 1.6747% | 5,924 |
| Loan and lease loss provision to assets | 0.0293% | 3,655 |
| Net operating income to assets | 1.6574% | 677 |
| Return on assets (ROA) | 1.6574% | 702 |
| Pretax return on assets | 2.7502% | 160 |
| Return on Equity (ROE) | 18.4497% | 371 |
| Retained earnings to average equity (ytd only) | 11.9422% | 374 |
| Net charge-offs to loans | -0.0381% | 5,445 |
| Credit loss provision to net charge-offs | -83.3333% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5985% | 6,167 |
| Assets per employee ($millions) | 8.7750% | 402 |
| Cash dividends to net income (ytd only)* | 35.2716% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7532% | 5,619 |
| Loan loss allowance to noncurrent loans | 1,155.3030% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 5,358 |
| Noncurrent loans to loans | 0.0652% | 5,355 |
| Net loans and leases to total assets | 92.1296% | 27 |
| Net loans and leases to deposits | 121.9126% | 84 |
| Net loans and leases to core deposits | 139.7781% | 168 |
| Total domestic deposits to total assets | 75.5702% | 5,560 |
| Equity capital to assets | 8.4109% | 5,754 |
| Core capital (leverage) ratio | 8.8554% | 5,174 |
| Tier 1 risk-based capital ratio | 13.4768% | 4,149 |
| Total risk-based capital ratio | 14.5918% | 4,146 |
| Memoranda: | ||
| Average total assets | $1,364,083,000 | 523 |
| Average earning assets | $1,296,304,000 | 503 |
| Average equity | $122,542,500 | 628 |
| Average total loans | $1,260,776,750 | 398 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9166% | 707 |
| Cost of funding earning assets | 0.5500% | 1,814 |
| Net interest margin | 4.3666% | 812 |
| Noninterest income to average assets | 0.3700% | 4,295 |
| Noninterest expense to average assets | 1.7120% | 5,954 |
| Loan and lease loss provision to assets | 0.0191% | 3,750 |
| Net operating income to assets | 1.6816% | 643 |
| Return on assets (ROA) | 1.6816% | 672 |
| Pretax return on assets | 2.7859% | 163 |
| Return on Equity (ROE) | 18.2663% | 397 |
| Retained earnings to average equity (ytd only) | 11.2089% | 480 |
| Net charge-offs to loans | -0.0237% | 5,225 |
| Credit loss provision to net charge-offs | -87.4126% | 4,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.9014% | 6,239 |
| Assets per employee ($millions) | 8.5008% | 439 |
| Cash dividends to net income (ytd only)* | 38.6362% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 5,592 |
| Loan loss allowance to noncurrent loans | 1,133.7376% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.1155% | 5,400 |
| Noncurrent loans to loans | 0.0709% | 5,454 |
| Net loans and leases to total assets | 91.6371% | 32 |
| Net loans and leases to deposits | 122.4767% | 80 |
| Net loans and leases to core deposits | 133.6907% | 221 |
| Total domestic deposits to total assets | 74.8201% | 5,724 |
| Equity capital to assets | 8.9672% | 5,267 |
| Core capital (leverage) ratio | 9.4079% | 4,406 |
| Tier 1 risk-based capital ratio | 14.2284% | 3,800 |
| Total risk-based capital ratio | 15.4012% | 3,771 |
| Memoranda: | ||
| Average total assets | $1,309,827,000 | 542 |
| Average earning assets | $1,243,954,670 | 524 |
| Average equity | $120,582,670 | 644 |
| Average total loans | $1,208,583,330 | 417 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9409% | 634 |
| Cost of funding earning assets | 0.5385% | 1,938 |
| Net interest margin | 4.4025% | 725 |
| Noninterest income to average assets | 0.2679% | 5,036 |
| Noninterest expense to average assets | 1.6988% | 6,013 |
| Loan and lease loss provision to assets | 0.0157% | 3,522 |
| Net operating income to assets | 1.6532% | 655 |
| Return on assets (ROA) | 1.6532% | 684 |
| Pretax return on assets | 2.7291% | 181 |
| Return on Equity (ROE) | 17.7081% | 416 |
| Retained earnings to average equity (ytd only) | 8.6873% | 1,313 |
| Net charge-offs to loans | -0.0307% | 5,268 |
| Credit loss provision to net charge-offs | -55.5556% | 4,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2307% | 6,303 |
| Assets per employee ($millions) | 8.1986% | 502 |
| Cash dividends to net income (ytd only)* | 50.9416% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 5,580 |
| Loan loss allowance to noncurrent loans | 710.6368% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1549% | 5,333 |
| Noncurrent loans to loans | 0.1193% | 5,344 |
| Net loans and leases to total assets | 91.1088% | 41 |
| Net loans and leases to deposits | 117.5867% | 117 |
| Net loans and leases to core deposits | 126.3028% | 294 |
| Total domestic deposits to total assets | 77.4822% | 5,536 |
| Equity capital to assets | 9.2096% | 5,073 |
| Core capital (leverage) ratio | 9.5070% | 4,265 |
| Tier 1 risk-based capital ratio | 14.6129% | 3,653 |
| Total risk-based capital ratio | 15.8431% | 3,591 |
| Memoranda: | ||
| Average total assets | $1,271,929,000 | 555 |
| Average earning assets | $1,206,415,000 | 536 |
| Average equity | $118,748,000 | 647 |
| Average total loans | $1,172,861,000 | 427 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 757 |
| Cost of funding earning assets | 0.5649% | 2,096 |
| Net interest margin | 4.4438% | 827 |
| Noninterest income to average assets | 0.1951% | 5,688 |
| Noninterest expense to average assets | 1.7548% | 6,109 |
| Loan and lease loss provision to assets | -0.1261% | 6,191 |
| Net operating income to assets | 1.6942% | 586 |
| Return on assets (ROA) | 1.6942% | 607 |
| Pretax return on assets | 2.7562% | 145 |
| Return on Equity (ROE) | 16.7336% | 522 |
| Retained earnings to average equity (ytd only) | 10.7502% | 408 |
| Net charge-offs to loans | -0.1235% | 6,168 |
| Credit loss provision to net charge-offs | 110.7595% | 2,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0193% | 6,400 |
| Assets per employee ($millions) | 8.2685% | 482 |
| Cash dividends to net income (ytd only)* | 35.7568% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 5,557 |
| Loan loss allowance to noncurrent loans | 609.5557% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1701% | 5,343 |
| Noncurrent loans to loans | 0.1431% | 5,319 |
| Net loans and leases to total assets | 91.7436% | 31 |
| Net loans and leases to deposits | 118.0016% | 115 |
| Net loans and leases to core deposits | 125.0677% | 301 |
| Total domestic deposits to total assets | 77.7477% | 5,482 |
| Equity capital to assets | 9.4690% | 4,752 |
| Core capital (leverage) ratio | 9.0522% | 4,904 |
| Tier 1 risk-based capital ratio | 14.3993% | 3,833 |
| Total risk-based capital ratio | 15.6138% | 3,790 |
| Memoranda: | ||
| Average total assets | $1,109,818,400 | 609 |
| Average earning assets | $1,046,373,200 | 588 |
| Average equity | $112,361,000 | 651 |
| Average total loans | $1,023,282,600 | 449 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 753 |
| Cost of funding earning assets | 0.5681% | 2,122 |
| Net interest margin | 4.4436% | 824 |
| Noninterest income to average assets | 0.2206% | 5,613 |
| Noninterest expense to average assets | 1.7443% | 6,163 |
| Loan and lease loss provision to assets | -0.0743% | 6,234 |
| Net operating income to assets | 1.6643% | 658 |
| Return on assets (ROA) | 1.6643% | 685 |
| Pretax return on assets | 2.7347% | 150 |
| Return on Equity (ROE) | 16.1377% | 660 |
| Retained earnings to average equity (ytd only) | 10.8677% | 539 |
| Net charge-offs to loans | -0.0871% | 6,098 |
| Credit loss provision to net charge-offs | 92.5926% | 2,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6015% | 6,457 |
| Assets per employee ($millions) | 8.0206% | 516 |
| Cash dividends to net income (ytd only)* | 32.6566% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 5,510 |
| Loan loss allowance to noncurrent loans | 456.4906% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 5,096 |
| Noncurrent loans to loans | 0.2031% | 5,292 |
| Net loans and leases to total assets | 91.1708% | 37 |
| Net loans and leases to deposits | 119.3512% | 104 |
| Net loans and leases to core deposits | 124.9604% | 298 |
| Total domestic deposits to total assets | 76.3887% | 5,764 |
| Equity capital to assets | 9.6013% | 4,668 |
| Core capital (leverage) ratio | 9.1412% | 4,867 |
| Tier 1 risk-based capital ratio | 14.6143% | 3,807 |
| Total risk-based capital ratio | 15.8282% | 3,778 |
| Memoranda: | ||
| Average total assets | $1,077,204,500 | 623 |
| Average earning assets | $1,014,324,500 | 599 |
| Average equity | $111,091,000 | 659 |
| Average total loans | $992,131,500 | 454 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0239% | 722 |
| Cost of funding earning assets | 0.5749% | 2,121 |
| Net interest margin | 4.4490% | 781 |
| Noninterest income to average assets | 0.2343% | 5,523 |
| Noninterest expense to average assets | 1.7547% | 6,198 |
| Loan and lease loss provision to assets | -0.1156% | 6,398 |
| Net operating income to assets | 1.6922% | 585 |
| Return on assets (ROA) | 1.6922% | 612 |
| Pretax return on assets | 2.7783% | 146 |
| Return on Equity (ROE) | 15.9856% | 659 |
| Retained earnings to average equity (ytd only) | 15.9856% | 174 |
| Net charge-offs to loans | -0.0422% | 5,801 |
| Credit loss provision to net charge-offs | 297.0297% | 869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7226% | 6,526 |
| Assets per employee ($millions) | 7.7431% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 5,523 |
| Loan loss allowance to noncurrent loans | 512.1849% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.3552% | 4,962 |
| Noncurrent loans to loans | 0.1872% | 5,451 |
| Net loans and leases to total assets | 90.9613% | 35 |
| Net loans and leases to deposits | 115.1513% | 128 |
| Net loans and leases to core deposits | 117.8597% | 426 |
| Total domestic deposits to total assets | 78.9929% | 5,460 |
| Equity capital to assets | 10.3339% | 3,644 |
| Core capital (leverage) ratio | 9.8642% | 3,790 |
| Tier 1 risk-based capital ratio | 15.4408% | 3,387 |
| Total risk-based capital ratio | 16.6584% | 3,348 |
| Memoranda: | ||
| Average total assets | $1,037,917,330 | 641 |
| Average earning assets | $975,852,330 | 614 |
| Average equity | $109,874,000 | 665 |
| Average total loans | $956,259,000 | 461 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0522% | 650 |
| Cost of funding earning assets | 0.5993% | 1,976 |
| Net interest margin | 4.4529% | 724 |
| Noninterest income to average assets | 0.1754% | 5,918 |
| Noninterest expense to average assets | 1.7910% | 6,233 |
| Loan and lease loss provision to assets | -0.2392% | 6,593 |
| Net operating income to assets | 1.7112% | 563 |
| Return on assets (ROA) | 1.7112% | 581 |
| Pretax return on assets | 2.8065% | 162 |
| Return on Equity (ROE) | 15.9555% | 643 |
| Retained earnings to average equity (ytd only) | 15.9555% | 268 |
| Net charge-offs to loans | -0.0367% | 5,675 |
| Credit loss provision to net charge-offs | 705.8824% | 409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0941% | 6,568 |
| Assets per employee ($millions) | 7.2206% | 711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 5,469 |
| Loan loss allowance to noncurrent loans | 484.9522% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.3390% | 5,128 |
| Noncurrent loans to loans | 0.2086% | 5,472 |
| Net loans and leases to total assets | 91.9591% | 14 |
| Net loans and leases to deposits | 108.2708% | 184 |
| Net loans and leases to core deposits | 109.9856% | 587 |
| Total domestic deposits to total assets | 84.9344% | 3,907 |
| Equity capital to assets | 10.7041% | 3,037 |
| Core capital (leverage) ratio | 10.2414% | 3,229 |
| Tier 1 risk-based capital ratio | 15.8245% | 3,259 |
| Total risk-based capital ratio | 17.0349% | 3,241 |
| Memoranda: | ||
| Average total assets | $1,003,244,500 | 672 |
| Average earning assets | $942,393,500 | 645 |
| Average equity | $107,599,000 | 676 |
| Average total loans | $925,922,000 | 474 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2197% | 611 |
| Cost of funding earning assets | 0.6985% | 1,826 |
| Net interest margin | 4.5213% | 709 |
| Noninterest income to average assets | 0.3058% | 5,154 |
| Noninterest expense to average assets | 1.9659% | 6,082 |
| Loan and lease loss provision to assets | -0.0760% | 6,445 |
| Net operating income to assets | 1.6233% | 661 |
| Return on assets (ROA) | 1.7335% | 567 |
| Pretax return on assets | 2.7990% | 147 |
| Return on Equity (ROE) | 16.4893% | 563 |
| Retained earnings to average equity (ytd only) | 16.4893% | 137 |
| Net charge-offs to loans | -0.1170% | 6,512 |
| Credit loss provision to net charge-offs | 71.7213% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5245% | 6,624 |
| Assets per employee ($millions) | 6.8613% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 5,004 |
| Loan loss allowance to noncurrent loans | 500.7893% | 971 |
| Noncurrent assets plus other real estate owned to assets | 0.2861% | 5,398 |
| Noncurrent loans to loans | 0.2254% | 5,517 |
| Net loans and leases to total assets | 90.6247% | 37 |
| Net loans and leases to deposits | 107.2440% | 224 |
| Net loans and leases to core deposits | 109.0762% | 647 |
| Total domestic deposits to total assets | 84.5033% | 3,960 |
| Equity capital to assets | 10.7470% | 2,883 |
| Core capital (leverage) ratio | 10.2283% | 3,254 |
| Tier 1 risk-based capital ratio | 15.8875% | 3,153 |
| Total risk-based capital ratio | 17.0976% | 3,132 |
| Memoranda: | ||
| Average total assets | $921,250,000 | 718 |
| Average earning assets | $858,036,400 | 697 |
| Average equity | $96,850,800 | 728 |
| Average total loans | $833,909,200 | 496 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2500% | 588 |
| Cost of funding earning assets | 0.7013% | 1,937 |
| Net interest margin | 4.5488% | 681 |
| Noninterest income to average assets | 0.2697% | 5,522 |
| Noninterest expense to average assets | 1.9652% | 6,075 |
| Loan and lease loss provision to assets | -0.0147% | 6,475 |
| Net operating income to assets | 1.5600% | 810 |
| Return on assets (ROA) | 1.7094% | 648 |
| Pretax return on assets | 2.7810% | 171 |
| Return on Equity (ROE) | 16.3583% | 600 |
| Retained earnings to average equity (ytd only) | 16.3583% | 149 |
| Net charge-offs to loans | -0.0225% | 6,079 |
| Credit loss provision to net charge-offs | 72.4638% | 3,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6893% | 6,665 |
| Assets per employee ($millions) | 6.7282% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 5,134 |
| Loan loss allowance to noncurrent loans | 180.9932% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 4,510 |
| Noncurrent loans to loans | 0.6340% | 4,609 |
| Net loans and leases to total assets | 90.0153% | 40 |
| Net loans and leases to deposits | 106.5419% | 226 |
| Net loans and leases to core deposits | 108.3697% | 652 |
| Total domestic deposits to total assets | 84.4882% | 3,983 |
| Equity capital to assets | 10.6354% | 3,123 |
| Core capital (leverage) ratio | 10.1433% | 3,471 |
| Tier 1 risk-based capital ratio | 15.7142% | 3,342 |
| Total risk-based capital ratio | 16.9230% | 3,324 |
| Memoranda: | ||
| Average total assets | $906,271,000 | 729 |
| Average earning assets | $842,465,000 | 712 |
| Average equity | $94,702,000 | 748 |
| Average total loans | $817,554,000 | 509 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2958% | 533 |
| Cost of funding earning assets | 0.7014% | 2,052 |
| Net interest margin | 4.5944% | 605 |
| Noninterest income to average assets | 0.2719% | 5,506 |
| Noninterest expense to average assets | 1.9831% | 6,078 |
| Loan and lease loss provision to assets | 0.2466% | 1,513 |
| Net operating income to assets | 1.4166% | 1,042 |
| Return on assets (ROA) | 1.6441% | 754 |
| Pretax return on assets | 2.6606% | 220 |
| Return on Equity (ROE) | 15.8338% | 686 |
| Retained earnings to average equity (ytd only) | 15.8338% | 196 |
| Net charge-offs to loans | -0.0247% | 6,042 |
| Credit loss provision to net charge-offs | -1,111.1111% | 6,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7315% | 6,715 |
| Assets per employee ($millions) | 6.7897% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3251% | 4,381 |
| Loan loss allowance to noncurrent loans | 165.5306% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.8324% | 4,157 |
| Noncurrent loans to loans | 0.8005% | 4,310 |
| Net loans and leases to total assets | 89.3077% | 56 |
| Net loans and leases to deposits | 105.3538% | 238 |
| Net loans and leases to core deposits | 107.2784% | 669 |
| Total domestic deposits to total assets | 84.7693% | 4,011 |
| Equity capital to assets | 10.4556% | 3,362 |
| Core capital (leverage) ratio | 9.8872% | 3,663 |
| Tier 1 risk-based capital ratio | 15.1460% | 3,681 |
| Total risk-based capital ratio | 16.3567% | 3,671 |
| Memoranda: | ||
| Average total assets | $892,133,670 | 740 |
| Average earning assets | $827,752,000 | 723 |
| Average equity | $92,637,330 | 761 |
| Average total loans | $802,114,330 | 513 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 522 |
| Cost of funding earning assets | 0.7027% | 2,181 |
| Net interest margin | 4.5885% | 569 |
| Noninterest income to average assets | 0.2305% | 5,810 |
| Noninterest expense to average assets | 2.0235% | 6,055 |
| Loan and lease loss provision to assets | 0.3651% | 884 |
| Net operating income to assets | 1.2579% | 1,381 |
| Return on assets (ROA) | 1.3759% | 1,172 |
| Pretax return on assets | 2.2695% | 371 |
| Return on Equity (ROE) | 13.2991% | 1,098 |
| Retained earnings to average equity (ytd only) | 13.2991% | 518 |
| Net charge-offs to loans | -0.0326% | 5,932 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2311% | 6,722 |
| Assets per employee ($millions) | 7.0314% | 760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,541 |
| Loan loss allowance to noncurrent loans | 149.0700% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 3,703 |
| Noncurrent loans to loans | 0.8949% | 4,346 |
| Net loans and leases to total assets | 88.9502% | 54 |
| Net loans and leases to deposits | 107.1833% | 181 |
| Net loans and leases to core deposits | 109.2545% | 517 |
| Total domestic deposits to total assets | 82.9888% | 4,857 |
| Equity capital to assets | 10.3220% | 3,770 |
| Core capital (leverage) ratio | 9.6368% | 3,865 |
| Tier 1 risk-based capital ratio | 14.2431% | 4,329 |
| Total risk-based capital ratio | 15.4220% | 4,346 |
| Memoranda: | ||
| Average total assets | $876,504,000 | 763 |
| Average earning assets | $810,548,000 | 752 |
| Average equity | $90,683,000 | 786 |
| Average total loans | $785,304,000 | 526 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4630% | 671 |
| Cost of funding earning assets | 0.7713% | 2,904 |
| Net interest margin | 4.6917% | 659 |
| Noninterest income to average assets | -0.2955% | 6,996 |
| Noninterest expense to average assets | 2.2141% | 5,898 |
| Loan and lease loss provision to assets | 0.8898% | 507 |
| Net operating income to assets | 0.7448% | 3,538 |
| Return on assets (ROA) | 0.7206% | 3,892 |
| Pretax return on assets | 0.8486% | 4,114 |
| Return on Equity (ROE) | 6.7559% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.7559% | 1,691 |
| Net charge-offs to loans | 0.9157% | 1,230 |
| Credit loss provision to net charge-offs | 112.6650% | 2,585 |
| Earnings coverage of net charge-offs (x) | 2.2371% | 4,305 |
| Efficiency ratio | 55.6189% | 6,102 |
| Assets per employee ($millions) | 6.9921% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 4,687 |
| Loan loss allowance to noncurrent loans | 148.9442% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 1.1421% | 3,752 |
| Noncurrent loans to loans | 0.8660% | 4,452 |
| Net loans and leases to total assets | 87.8677% | 84 |
| Net loans and leases to deposits | 105.5146% | 233 |
| Net loans and leases to core deposits | 107.1534% | 645 |
| Total domestic deposits to total assets | 83.2754% | 4,611 |
| Equity capital to assets | 10.3709% | 3,669 |
| Core capital (leverage) ratio | 9.5489% | 4,037 |
| Tier 1 risk-based capital ratio | 13.9068% | 4,443 |
| Total risk-based capital ratio | 15.0836% | 4,463 |
| Memoranda: | ||
| Average total assets | $805,841,800 | 814 |
| Average earning assets | $734,487,200 | 813 |
| Average equity | $85,954,000 | 813 |
| Average total loans | $694,966,200 | 596 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4867% | 698 |
| Cost of funding earning assets | 0.7808% | 3,103 |
| Net interest margin | 4.7059% | 668 |
| Noninterest income to average assets | -0.3775% | 7,111 |
| Noninterest expense to average assets | 2.2493% | 5,817 |
| Loan and lease loss provision to assets | 0.9003% | 491 |
| Net operating income to assets | 0.7366% | 3,748 |
| Return on assets (ROA) | 0.7298% | 4,022 |
| Pretax return on assets | 0.7413% | 4,704 |
| Return on Equity (ROE) | 6.7914% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.7914% | 2,232 |
| Net charge-offs to loans | 0.9136% | 1,189 |
| Credit loss provision to net charge-offs | 115.2769% | 2,527 |
| Earnings coverage of net charge-offs (x) | 2.1108% | 4,212 |
| Efficiency ratio | 57.7066% | 5,829 |
| Assets per employee ($millions) | 6.8726% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 4,585 |
| Loan loss allowance to noncurrent loans | 211.7583% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 4,062 |
| Noncurrent loans to loans | 0.6372% | 5,168 |
| Net loans and leases to total assets | 86.6863% | 127 |
| Net loans and leases to deposits | 100.8871% | 400 |
| Net loans and leases to core deposits | 102.7336% | 946 |
| Total domestic deposits to total assets | 85.9241% | 3,298 |
| Equity capital to assets | 10.6240% | 3,703 |
| Core capital (leverage) ratio | 9.6832% | 3,989 |
| Tier 1 risk-based capital ratio | 13.8871% | 4,622 |
| Total risk-based capital ratio | 15.0939% | 4,614 |
| Memoranda: | ||
| Average total assets | $792,296,000 | 842 |
| Average earning assets | $719,784,000 | 837 |
| Average equity | $85,144,500 | 826 |
| Average total loans | $677,318,000 | 610 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4723% | 759 |
| Cost of funding earning assets | 0.7927% | 3,248 |
| Net interest margin | 4.6796% | 704 |
| Noninterest income to average assets | -0.5295% | 7,192 |
| Noninterest expense to average assets | 2.2989% | 5,740 |
| Loan and lease loss provision to assets | 0.8061% | 617 |
| Net operating income to assets | 0.7196% | 3,759 |
| Return on assets (ROA) | 0.7097% | 4,082 |
| Pretax return on assets | 0.5889% | 5,179 |
| Return on Equity (ROE) | 6.5773% | 4,007 |
| Retained earnings to average equity (ytd only) | 6.5773% | 2,341 |
| Net charge-offs to loans | 0.8816% | 1,247 |
| Credit loss provision to net charge-offs | 108.0247% | 2,521 |
| Earnings coverage of net charge-offs (x) | 1.8827% | 4,032 |
| Efficiency ratio | 62.0673% | 5,236 |
| Assets per employee ($millions) | 6.3478% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 4,691 |
| Loan loss allowance to noncurrent loans | 184.8599% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 1.2744% | 3,880 |
| Noncurrent loans to loans | 0.7269% | 5,051 |
| Net loans and leases to total assets | 85.4004% | 162 |
| Net loans and leases to deposits | 99.7289% | 429 |
| Net loans and leases to core deposits | 101.6673% | 996 |
| Total domestic deposits to total assets | 85.6326% | 3,548 |
| Equity capital to assets | 10.7576% | 3,382 |
| Core capital (leverage) ratio | 9.5543% | 4,071 |
| Tier 1 risk-based capital ratio | 13.6945% | 4,671 |
| Total risk-based capital ratio | 14.8977% | 4,676 |
| Memoranda: | ||
| Average total assets | $781,492,670 | 854 |
| Average earning assets | $706,978,670 | 854 |
| Average equity | $84,320,330 | 824 |
| Average total loans | $661,528,670 | 632 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4936% | 765 |
| Cost of funding earning assets | 0.8112% | 3,380 |
| Net interest margin | 4.6824% | 707 |
| Noninterest income to average assets | 0.1616% | 6,418 |
| Noninterest expense to average assets | 2.3679% | 5,577 |
| Loan and lease loss provision to assets | 1.5019% | 225 |
| Net operating income to assets | 0.3568% | 5,446 |
| Return on assets (ROA) | 0.3429% | 5,678 |
| Pretax return on assets | 0.4956% | 5,444 |
| Return on Equity (ROE) | 3.1728% | 5,645 |
| Retained earnings to average equity (ytd only) | 3.1728% | 4,664 |
| Net charge-offs to loans | 0.3826% | 2,159 |
| Credit loss provision to net charge-offs | 469.2557% | 682 |
| Earnings coverage of net charge-offs (x) | 6.3042% | 2,233 |
| Efficiency ratio | 53.9915% | 6,349 |
| Assets per employee ($millions) | 6.2598% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7311% | 3,225 |
| Loan loss allowance to noncurrent loans | 84.1699% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 3.0913% | 1,884 |
| Noncurrent loans to loans | 2.0567% | 3,081 |
| Net loans and leases to total assets | 82.3540% | 257 |
| Net loans and leases to deposits | 96.0019% | 540 |
| Net loans and leases to core deposits | 97.7691% | 1,140 |
| Total domestic deposits to total assets | 85.7838% | 3,646 |
| Equity capital to assets | 10.7150% | 3,246 |
| Core capital (leverage) ratio | 9.3081% | 4,353 |
| Tier 1 risk-based capital ratio | 13.4622% | 4,853 |
| Total risk-based capital ratio | 14.6690% | 4,877 |
| Memoranda: | ||
| Average total assets | $772,329,500 | 862 |
| Average earning assets | $696,741,500 | 871 |
| Average equity | $83,460,000 | 828 |
| Average total loans | $646,116,500 | 644 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7789% | 667 |
| Cost of funding earning assets | 1.0116% | 3,290 |
| Net interest margin | 4.7673% | 665 |
| Noninterest income to average assets | 0.0516% | 6,829 |
| Noninterest expense to average assets | 2.4135% | 5,736 |
| Loan and lease loss provision to assets | 1.2708% | 653 |
| Net operating income to assets | 0.4203% | 4,774 |
| Return on assets (ROA) | 0.3842% | 5,101 |
| Pretax return on assets | 0.5744% | 4,767 |
| Return on Equity (ROE) | 3.4829% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.4829% | 3,739 |
| Net charge-offs to loans | 1.0872% | 1,587 |
| Credit loss provision to net charge-offs | 140.0268% | 2,109 |
| Earnings coverage of net charge-offs (x) | 2.0925% | 4,207 |
| Efficiency ratio | 55.1223% | 6,406 |
| Assets per employee ($millions) | 6.0014% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3980% | 4,469 |
| Loan loss allowance to noncurrent loans | 58.9740% | 4,564 |
| Noncurrent assets plus other real estate owned to assets | 3.3631% | 1,762 |
| Noncurrent loans to loans | 2.3705% | 2,763 |
| Net loans and leases to total assets | 82.3401% | 317 |
| Net loans and leases to deposits | 97.0227% | 623 |
| Net loans and leases to core deposits | 99.2411% | 1,242 |
| Total domestic deposits to total assets | 84.8668% | 3,917 |
| Equity capital to assets | 10.8999% | 3,076 |
| Core capital (leverage) ratio | 9.4268% | 4,149 |
| Tier 1 risk-based capital ratio | 13.2938% | 4,838 |
| Total risk-based capital ratio | 14.4803% | 4,870 |
| Memoranda: | ||
| Average total assets | $739,704,400 | 886 |
| Average earning assets | $661,129,000 | 900 |
| Average equity | $81,597,800 | 819 |
| Average total loans | $617,454,000 | 677 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8494% | 624 |
| Cost of funding earning assets | 1.0590% | 3,259 |
| Net interest margin | 4.7904% | 636 |
| Noninterest income to average assets | 0.0371% | 6,993 |
| Noninterest expense to average assets | 2.4040% | 5,757 |
| Loan and lease loss provision to assets | 1.1443% | 703 |
| Net operating income to assets | 0.5073% | 4,521 |
| Return on assets (ROA) | 0.4824% | 4,817 |
| Pretax return on assets | 0.7258% | 4,390 |
| Return on Equity (ROE) | 4.3596% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.3596% | 3,627 |
| Net charge-offs to loans | 1.1583% | 1,361 |
| Credit loss provision to net charge-offs | 118.3543% | 2,756 |
| Earnings coverage of net charge-offs (x) | 1.9733% | 4,174 |
| Efficiency ratio | 54.9452% | 6,391 |
| Assets per employee ($millions) | 6.0675% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 5,561 |
| Loan loss allowance to noncurrent loans | 65.4824% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 3.5466% | 1,773 |
| Noncurrent loans to loans | 1.7961% | 3,641 |
| Net loans and leases to total assets | 79.6320% | 549 |
| Net loans and leases to deposits | 93.3712% | 890 |
| Net loans and leases to core deposits | 95.6937% | 1,638 |
| Total domestic deposits to total assets | 85.2854% | 3,628 |
| Equity capital to assets | 10.9246% | 3,219 |
| Core capital (leverage) ratio | 9.5013% | 4,141 |
| Tier 1 risk-based capital ratio | 13.6154% | 4,638 |
| Total risk-based capital ratio | 14.8486% | 4,625 |
| Memoranda: | ||
| Average total assets | $734,085,500 | 897 |
| Average earning assets | $655,067,750 | 911 |
| Average equity | $81,228,000 | 828 |
| Average total loans | $612,698,000 | 687 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9394% | 532 |
| Cost of funding earning assets | 1.0919% | 3,304 |
| Net interest margin | 4.8476% | 557 |
| Noninterest income to average assets | 0.0033% | 7,180 |
| Noninterest expense to average assets | 2.4136% | 5,800 |
| Loan and lease loss provision to assets | 0.8127% | 1,130 |
| Net operating income to assets | 0.7081% | 3,498 |
| Return on assets (ROA) | 0.6714% | 3,800 |
| Pretax return on assets | 1.0422% | 3,068 |
| Return on Equity (ROE) | 6.0408% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.0408% | 2,406 |
| Net charge-offs to loans | 0.4648% | 2,718 |
| Credit loss provision to net charge-offs | 207.0175% | 1,452 |
| Earnings coverage of net charge-offs (x) | 4.8709% | 2,747 |
| Efficiency ratio | 54.9675% | 6,509 |
| Assets per employee ($millions) | 5.7109% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,207 |
| Loan loss allowance to noncurrent loans | 44.5001% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 4.5402% | 1,384 |
| Noncurrent loans to loans | 2.8511% | 2,562 |
| Net loans and leases to total assets | 82.3427% | 350 |
| Net loans and leases to deposits | 97.0937% | 646 |
| Net loans and leases to core deposits | 99.6456% | 1,372 |
| Total domestic deposits to total assets | 84.8074% | 3,966 |
| Equity capital to assets | 11.3260% | 2,661 |
| Core capital (leverage) ratio | 9.9456% | 3,329 |
| Tier 1 risk-based capital ratio | 13.6700% | 4,401 |
| Total risk-based capital ratio | 14.9228% | 4,377 |
| Memoranda: | ||
| Average total assets | $725,966,330 | 915 |
| Average earning assets | $647,335,330 | 933 |
| Average equity | $80,685,000 | 833 |
| Average total loans | $613,213,670 | 695 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1095% | 394 |
| Cost of funding earning assets | 1.1161% | 3,409 |
| Net interest margin | 4.9934% | 388 |
| Noninterest income to average assets | 0.0453% | 7,155 |
| Noninterest expense to average assets | 2.3708% | 5,976 |
| Loan and lease loss provision to assets | 0.9676% | 806 |
| Net operating income to assets | 0.7437% | 3,306 |
| Return on assets (ROA) | 0.6701% | 3,728 |
| Pretax return on assets | 1.0422% | 2,981 |
| Return on Equity (ROE) | 6.0880% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.0880% | 2,590 |
| Net charge-offs to loans | 0.8026% | 1,622 |
| Credit loss provision to net charge-offs | 141.8152% | 1,986 |
| Earnings coverage of net charge-offs (x) | 3.1143% | 2,851 |
| Efficiency ratio | 52.0108% | 6,854 |
| Assets per employee ($millions) | 5.7805% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 6,091 |
| Loan loss allowance to noncurrent loans | 39.9620% | 5,623 |
| Noncurrent assets plus other real estate owned to assets | 4.4477% | 1,459 |
| Noncurrent loans to loans | 2.7227% | 2,775 |
| Net loans and leases to total assets | 84.6237% | 196 |
| Net loans and leases to deposits | 100.6121% | 439 |
| Net loans and leases to core deposits | 103.9596% | 1,065 |
| Total domestic deposits to total assets | 84.1089% | 4,447 |
| Equity capital to assets | 11.0971% | 2,589 |
| Core capital (leverage) ratio | 9.7827% | 3,405 |
| Tier 1 risk-based capital ratio | 13.1194% | 4,737 |
| Total risk-based capital ratio | 14.3696% | 4,712 |
| Memoranda: | ||
| Average total assets | $723,455,000 | 922 |
| Average earning assets | $644,766,500 | 943 |
| Average equity | $79,631,500 | 837 |
| Average total loans | $614,995,000 | 701 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1930% | 574 |
| Cost of funding earning assets | 1.5341% | 2,449 |
| Net interest margin | 4.6589% | 890 |
| Noninterest income to average assets | -0.3856% | 7,539 |
| Noninterest expense to average assets | 2.3569% | 6,204 |
| Loan and lease loss provision to assets | 0.9392% | 1,737 |
| Net operating income to assets | 0.3210% | 4,862 |
| Return on assets (ROA) | 0.3789% | 4,788 |
| Pretax return on assets | 0.5581% | 4,453 |
| Return on Equity (ROE) | 3.5700% | 4,714 |
| Retained earnings to average equity (ytd only) | 3.5700% | 3,357 |
| Net charge-offs to loans | 1.1370% | 1,964 |
| Credit loss provision to net charge-offs | 102.7310% | 4,399 |
| Earnings coverage of net charge-offs (x) | 1.5447% | 4,585 |
| Efficiency ratio | 61.8362% | 5,753 |
| Assets per employee ($millions) | 5.7948% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 6,316 |
| Loan loss allowance to noncurrent loans | 32.3924% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 4.9302% | 1,302 |
| Noncurrent loans to loans | 3.1325% | 2,434 |
| Net loans and leases to total assets | 83.6058% | 336 |
| Net loans and leases to deposits | 101.0389% | 524 |
| Net loans and leases to core deposits | 104.6627% | 1,270 |
| Total domestic deposits to total assets | 82.7462% | 4,913 |
| Equity capital to assets | 10.9174% | 2,759 |
| Core capital (leverage) ratio | 9.5625% | 3,620 |
| Tier 1 risk-based capital ratio | 13.0418% | 4,573 |
| Total risk-based capital ratio | 14.2285% | 4,584 |
| Memoranda: | ||
| Average total assets | $740,915,600 | 912 |
| Average earning assets | $660,759,800 | 925 |
| Average equity | $78,627,600 | 839 |
| Average total loans | $595,792,600 | 750 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2030% | 614 |
| Cost of funding earning assets | 1.6072% | 2,348 |
| Net interest margin | 4.5958% | 1,054 |
| Noninterest income to average assets | -0.1530% | 7,567 |
| Noninterest expense to average assets | 2.3094% | 6,297 |
| Loan and lease loss provision to assets | 0.6458% | 2,368 |
| Net operating income to assets | 0.6463% | 3,664 |
| Return on assets (ROA) | 0.9277% | 2,637 |
| Pretax return on assets | 1.4230% | 1,813 |
| Return on Equity (ROE) | 8.8033% | 2,563 |
| Retained earnings to average equity (ytd only) | 8.8033% | 1,118 |
| Net charge-offs to loans | 0.6403% | 2,827 |
| Credit loss provision to net charge-offs | 126.9880% | 3,210 |
| Earnings coverage of net charge-offs (x) | 3.2167% | 3,537 |
| Efficiency ratio | 57.9172% | 6,284 |
| Assets per employee ($millions) | 5.8505% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,839 |
| Loan loss allowance to noncurrent loans | 43.1742% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 4.8678% | 1,338 |
| Noncurrent loans to loans | 2.6044% | 3,021 |
| Net loans and leases to total assets | 80.9960% | 621 |
| Net loans and leases to deposits | 98.0974% | 787 |
| Net loans and leases to core deposits | 101.5973% | 1,696 |
| Total domestic deposits to total assets | 82.5669% | 4,765 |
| Equity capital to assets | 11.0553% | 2,907 |
| Core capital (leverage) ratio | 9.9471% | 3,300 |
| Tier 1 risk-based capital ratio | 13.5695% | 4,147 |
| Total risk-based capital ratio | 14.8198% | 4,095 |
| Memoranda: | ||
| Average total assets | $745,057,250 | 910 |
| Average earning assets | $664,410,500 | 926 |
| Average equity | $78,514,500 | 845 |
| Average total loans | $591,789,250 | 757 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2592% | 552 |
| Cost of funding earning assets | 1.6798% | 2,224 |
| Net interest margin | 4.5795% | 1,040 |
| Noninterest income to average assets | -0.0859% | 7,621 |
| Noninterest expense to average assets | 2.4133% | 6,034 |
| Loan and lease loss provision to assets | 0.7514% | 1,924 |
| Net operating income to assets | 0.5501% | 4,097 |
| Return on assets (ROA) | 0.9771% | 2,354 |
| Pretax return on assets | 1.4854% | 1,596 |
| Return on Equity (ROE) | 9.4245% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.4245% | 979 |
| Net charge-offs to loans | 0.5421% | 2,904 |
| Credit loss provision to net charge-offs | 176.3340% | 2,220 |
| Earnings coverage of net charge-offs (x) | 3.7307% | 3,198 |
| Efficiency ratio | 59.7461% | 6,088 |
| Assets per employee ($millions) | 5.9824% | 1,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,394 |
| Loan loss allowance to noncurrent loans | 35.5882% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 4.9191% | 1,316 |
| Noncurrent loans to loans | 3.4016% | 2,340 |
| Net loans and leases to total assets | 78.3707% | 1,050 |
| Net loans and leases to deposits | 96.6204% | 992 |
| Net loans and leases to core deposits | 99.9797% | 2,016 |
| Total domestic deposits to total assets | 81.1119% | 5,364 |
| Equity capital to assets | 10.6047% | 3,275 |
| Core capital (leverage) ratio | 9.3413% | 4,054 |
| Tier 1 risk-based capital ratio | 13.2392% | 4,259 |
| Total risk-based capital ratio | 14.4908% | 4,214 |
| Memoranda: | ||
| Average total assets | $747,690,670 | 910 |
| Average earning assets | $667,589,670 | 922 |
| Average equity | $77,521,000 | 843 |
| Average total loans | $587,766,330 | 771 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2780% | 550 |
| Cost of funding earning assets | 1.7641% | 2,046 |
| Net interest margin | 4.5139% | 1,111 |
| Noninterest income to average assets | -0.1488% | 7,777 |
| Noninterest expense to average assets | 2.3802% | 6,160 |
| Loan and lease loss provision to assets | 1.0770% | 1,145 |
| Net operating income to assets | 0.3126% | 5,241 |
| Return on assets (ROA) | 0.3126% | 5,373 |
| Pretax return on assets | 0.4211% | 5,223 |
| Return on Equity (ROE) | 3.0506% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.0506% | 4,307 |
| Net charge-offs to loans | 0.5698% | 2,378 |
| Credit loss provision to net charge-offs | 241.5663% | 1,590 |
| Earnings coverage of net charge-offs (x) | 3.3602% | 2,931 |
| Efficiency ratio | 60.7618% | 6,041 |
| Assets per employee ($millions) | 5.9757% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2090% | 5,457 |
| Loan loss allowance to noncurrent loans | 36.1618% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 4.7554% | 1,387 |
| Noncurrent loans to loans | 3.3432% | 2,391 |
| Net loans and leases to total assets | 79.3799% | 930 |
| Net loans and leases to deposits | 98.3707% | 874 |
| Net loans and leases to core deposits | 101.7535% | 1,941 |
| Total domestic deposits to total assets | 80.6947% | 5,561 |
| Equity capital to assets | 10.3356% | 3,427 |
| Core capital (leverage) ratio | 8.8475% | 4,794 |
| Tier 1 risk-based capital ratio | 12.2049% | 4,987 |
| Total risk-based capital ratio | 13.4563% | 4,961 |
| Memoranda: | ||
| Average total assets | $744,647,000 | 930 |
| Average earning assets | $664,353,500 | 950 |
| Average equity | $76,313,500 | 867 |
| Average total loans | $582,659,500 | 799 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9701% | 293 |
| Cost of funding earning assets | 2.4820% | 1,064 |
| Net interest margin | 4.4881% | 1,201 |
| Noninterest income to average assets | -0.3717% | 7,911 |
| Noninterest expense to average assets | 2.4333% | 6,361 |
| Loan and lease loss provision to assets | 1.3440% | 1,710 |
| Net operating income to assets | -0.0729% | 5,632 |
| Return on assets (ROA) | -0.1869% | 5,824 |
| Pretax return on assets | -0.3434% | 5,874 |
| Return on Equity (ROE) | -1.8096% | 5,825 |
| Retained earnings to average equity (ytd only) | -1.8096% | 5,465 |
| Net charge-offs to loans | 1.6143% | 1,563 |
| Credit loss provision to net charge-offs | 106.8589% | 5,188 |
| Earnings coverage of net charge-offs (x) | 0.9372% | 5,173 |
| Efficiency ratio | 66.5375% | 5,285 |
| Assets per employee ($millions) | 5.5844% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0566% | 6,099 |
| Loan loss allowance to noncurrent loans | 32.9828% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 4.4945% | 1,430 |
| Noncurrent loans to loans | 3.2036% | 2,385 |
| Net loans and leases to total assets | 75.3573% | 1,951 |
| Net loans and leases to deposits | 94.4271% | 1,547 |
| Net loans and leases to core deposits | 118.7417% | 2,060 |
| Total domestic deposits to total assets | 79.8048% | 5,724 |
| Equity capital to assets | 10.1618% | 3,545 |
| Core capital (leverage) ratio | 8.7114% | 4,905 |
| Tier 1 risk-based capital ratio | 12.4898% | 4,532 |
| Total risk-based capital ratio | 13.6622% | 4,545 |
| Memoranda: | ||
| Average total assets | $736,068,800 | 924 |
| Average earning assets | $653,378,400 | 952 |
| Average equity | $76,041,000 | 849 |
| Average total loans | $573,491,800 | 832 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0960% | 264 |
| Cost of funding earning assets | 2.6554% | 894 |
| Net interest margin | 4.4405% | 1,339 |
| Noninterest income to average assets | -0.4194% | 8,033 |
| Noninterest expense to average assets | 2.2797% | 6,757 |
| Loan and lease loss provision to assets | 1.2383% | 1,566 |
| Net operating income to assets | 0.0366% | 5,636 |
| Return on assets (ROA) | 0.0429% | 5,657 |
| Pretax return on assets | 0.0058% | 5,693 |
| Return on Equity (ROE) | 0.4138% | 5,661 |
| Retained earnings to average equity (ytd only) | 0.4138% | 5,027 |
| Net charge-offs to loans | 1.1553% | 1,751 |
| Credit loss provision to net charge-offs | 136.7892% | 3,620 |
| Earnings coverage of net charge-offs (x) | 1.3673% | 4,755 |
| Efficiency ratio | 63.9518% | 5,763 |
| Assets per employee ($millions) | 5.7983% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 4,704 |
| Loan loss allowance to noncurrent loans | 36.9512% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 4.9299% | 1,193 |
| Noncurrent loans to loans | 3.4327% | 2,181 |
| Net loans and leases to total assets | 74.5661% | 2,355 |
| Net loans and leases to deposits | 99.3631% | 1,171 |
| Net loans and leases to core deposits | 120.1018% | 2,234 |
| Total domestic deposits to total assets | 75.0441% | 6,766 |
| Equity capital to assets | 10.1794% | 3,868 |
| Core capital (leverage) ratio | 8.8266% | 4,935 |
| Tier 1 risk-based capital ratio | 12.4762% | 4,560 |
| Total risk-based capital ratio | 13.7277% | 4,513 |
| Memoranda: | ||
| Average total assets | $733,008,000 | 939 |
| Average earning assets | $649,875,000 | 967 |
| Average equity | $76,040,750 | 861 |
| Average total loans | $574,382,250 | 849 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9947% | 320 |
| Cost of funding earning assets | 2.8672% | 659 |
| Net interest margin | 4.1275% | 2,232 |
| Noninterest income to average assets | -0.5966% | 8,128 |
| Noninterest expense to average assets | 2.2212% | 7,003 |
| Loan and lease loss provision to assets | 1.4621% | 1,186 |
| Net operating income to assets | -0.3778% | 6,420 |
| Return on assets (ROA) | -0.3716% | 6,425 |
| Pretax return on assets | -0.6140% | 6,540 |
| Return on Equity (ROE) | -3.5589% | 6,426 |
| Retained earnings to average equity (ytd only) | -3.5589% | 6,052 |
| Net charge-offs to loans | 1.2911% | 1,435 |
| Credit loss provision to net charge-offs | 142.7265% | 3,259 |
| Earnings coverage of net charge-offs (x) | 0.8185% | 4,922 |
| Efficiency ratio | 71.5610% | 4,493 |
| Assets per employee ($millions) | 6.0070% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 4,805 |
| Loan loss allowance to noncurrent loans | 45.6915% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 4.5829% | 1,210 |
| Noncurrent loans to loans | 2.6739% | 2,694 |
| Net loans and leases to total assets | 75.1336% | 2,406 |
| Net loans and leases to deposits | 100.1553% | 1,277 |
| Net loans and leases to core deposits | 126.2081% | 1,848 |
| Total domestic deposits to total assets | 75.0171% | 6,760 |
| Equity capital to assets | 10.0254% | 3,904 |
| Core capital (leverage) ratio | 8.6138% | 5,243 |
| Tier 1 risk-based capital ratio | 11.9758% | 4,944 |
| Total risk-based capital ratio | 13.2266% | 4,860 |
| Memoranda: | ||
| Average total assets | $726,082,330 | 962 |
| Average earning assets | $643,201,670 | 995 |
| Average equity | $75,810,670 | 876 |
| Average total loans | $576,080,000 | 863 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6852% | 598 |
| Cost of funding earning assets | 3.0622% | 506 |
| Net interest margin | 3.6230% | 4,221 |
| Noninterest income to average assets | -0.7146% | 8,204 |
| Noninterest expense to average assets | 1.7408% | 7,775 |
| Loan and lease loss provision to assets | 2.2744% | 521 |
| Net operating income to assets | -0.9751% | 7,242 |
| Return on assets (ROA) | -0.9719% | 7,261 |
| Pretax return on assets | -1.5166% | 7,368 |
| Return on Equity (ROE) | -9.1171% | 7,307 |
| Retained earnings to average equity (ytd only) | -9.1171% | 7,025 |
| Net charge-offs to loans | 1.9511% | 742 |
| Credit loss provision to net charge-offs | 143.7987% | 2,859 |
| Earnings coverage of net charge-offs (x) | 0.4759% | 4,608 |
| Efficiency ratio | 68.6446% | 4,847 |
| Assets per employee ($millions) | 6.2512% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 5,075 |
| Loan loss allowance to noncurrent loans | 37.9975% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 4.8514% | 953 |
| Noncurrent loans to loans | 3.0438% | 2,144 |
| Net loans and leases to total assets | 75.4896% | 2,392 |
| Net loans and leases to deposits | 109.8496% | 619 |
| Net loans and leases to core deposits | 147.6914% | 791 |
| Total domestic deposits to total assets | 68.7209% | 7,544 |
| Equity capital to assets | 10.0116% | 3,994 |
| Core capital (leverage) ratio | 8.6580% | 5,239 |
| Tier 1 risk-based capital ratio | 11.7852% | 5,140 |
| Total risk-based capital ratio | 13.0040% | 5,087 |
| Memoranda: | ||
| Average total assets | $713,683,000 | 986 |
| Average earning assets | $631,963,500 | 1,015 |
| Average equity | $76,076,500 | 876 |
| Average total loans | $578,549,000 | 864 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6772% | 2,119 |
| Cost of funding earning assets | 3.7255% | 248 |
| Net interest margin | 2.9517% | 7,023 |
| Noninterest income to average assets | -0.3657% | 8,255 |
| Noninterest expense to average assets | 2.4398% | 6,257 |
| Loan and lease loss provision to assets | 1.4988% | 901 |
| Net operating income to assets | -1.0909% | 7,288 |
| Return on assets (ROA) | -1.0816% | 7,219 |
| Pretax return on assets | -1.6784% | 7,334 |
| Return on Equity (ROE) | -9.3867% | 7,232 |
| Retained earnings to average equity (ytd only) | -9.3867% | 7,015 |
| Net charge-offs to loans | 1.7679% | 622 |
| Credit loss provision to net charge-offs | 96.2115% | 5,504 |
| Earnings coverage of net charge-offs (x) | -0.1245% | 6,331 |
| Efficiency ratio | 107.4998% | 771 |
| Assets per employee ($millions) | 5.9406% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 6,550 |
| Loan loss allowance to noncurrent loans | 35.8698% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 4.3374% | 893 |
| Noncurrent loans to loans | 2.5712% | 2,108 |
| Net loans and leases to total assets | 85.4672% | 666 |
| Net loans and leases to deposits | 125.7970% | 273 |
| Net loans and leases to core deposits | 171.9339% | 371 |
| Total domestic deposits to total assets | 67.9406% | 7,475 |
| Equity capital to assets | 11.3776% | 2,722 |
| Core capital (leverage) ratio | 9.8198% | 3,621 |
| Tier 1 risk-based capital ratio | 12.9329% | 4,147 |
| Total risk-based capital ratio | 13.9978% | 4,179 |
| Memoranda: | ||
| Average total assets | $672,683,800 | 990 |
| Average earning assets | $595,148,400 | 1,030 |
| Average equity | $77,513,800 | 856 |
| Average total loans | $592,743,600 | 807 |