Home > TBK BANK, SSB > Performance and Condition Ratios
TBK BANK, SSB, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5362% | 114 |
| Cost of funding earning assets | 1.2676% | 3,726 |
| Net interest margin | 7.2686% | 41 |
| Noninterest income to average assets | 1.0700% | 551 |
| Noninterest expense to average assets | 6.4667% | 165 |
| Loan and lease loss provision to assets | 0.3200% | 373 |
| Net operating income to assets | 0.4665% | 3,556 |
| Return on assets (ROA) | 0.4734% | 3,554 |
| Pretax return on assets | 0.5924% | 3,474 |
| Return on Equity (ROE) | 2.7400% | 3,900 |
| Retained earnings to average equity (ytd only) | 0.4046% | 3,819 |
| Net charge-offs to loans | 0.3044% | 494 |
| Credit loss provision to net charge-offs | 141.9210% | 1,466 |
| Earnings coverage of net charge-offs (x) | 3.9479% | 2,707 |
| Efficiency ratio | 84.8391% | 744 |
| Assets per employee ($millions) | 3.8312% | 4,137 |
| Cash dividends to net income (ytd only)* | 85.2262% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8952% | 3,641 |
| Loan loss allowance to noncurrent loans | 35.4840% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 1.9297% | 217 |
| Noncurrent loans to loans | 2.5228% | 272 |
| Net loans and leases to total assets | 75.8100% | 1,173 |
| Net loans and leases to deposits | 93.2359% | 921 |
| Net loans and leases to core deposits | 111.5627% | 871 |
| Total domestic deposits to total assets | 81.3000% | 3,357 |
| Equity capital to assets | 16.6071% | 422 |
| Core capital (leverage) ratio | 12.9935% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9548% | 1,528 |
| Memoranda: | ||
| Average total assets | $5,701,174,800 | 260 |
| Average earning assets | $4,947,615,200 | 264 |
| Average equity | $985,325,800 | 178 |
| Average total loans | $4,306,752,200 | 234 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6281% | 112 |
| Cost of funding earning assets | 1.2849% | 3,695 |
| Net interest margin | 7.3432% | 40 |
| Noninterest income to average assets | 1.0900% | 518 |
| Noninterest expense to average assets | 6.5518% | 153 |
| Loan and lease loss provision to assets | 0.3300% | 315 |
| Net operating income to assets | 0.4640% | 3,547 |
| Return on assets (ROA) | 0.4760% | 3,556 |
| Pretax return on assets | 0.5908% | 3,485 |
| Return on Equity (ROE) | 2.7300% | 3,931 |
| Retained earnings to average equity (ytd only) | 2.7262% | 3,264 |
| Net charge-offs to loans | 0.2552% | 493 |
| Credit loss provision to net charge-offs | 174.1233% | 1,180 |
| Earnings coverage of net charge-offs (x) | 4.7352% | 2,420 |
| Efficiency ratio | 84.8950% | 761 |
| Assets per employee ($millions) | 3.8315% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 3,471 |
| Loan loss allowance to noncurrent loans | 35.6940% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9809% | 205 |
| Noncurrent loans to loans | 2.6667% | 249 |
| Net loans and leases to total assets | 73.2100% | 1,472 |
| Net loans and leases to deposits | 90.5447% | 1,195 |
| Net loans and leases to core deposits | 101.9692% | 1,369 |
| Total domestic deposits to total assets | 80.8600% | 3,329 |
| Equity capital to assets | 17.0836% | 407 |
| Core capital (leverage) ratio | 13.5002% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9131% | 1,316 |
| Memoranda: | ||
| Average total assets | $5,639,954,750 | 259 |
| Average earning assets | $4,897,092,500 | 263 |
| Average equity | $984,791,000 | 180 |
| Average total loans | $4,246,407,250 | 233 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6565% | 114 |
| Cost of funding earning assets | 1.2523% | 3,708 |
| Net interest margin | 7.4042% | 38 |
| Noninterest income to average assets | 1.0800% | 524 |
| Noninterest expense to average assets | 6.6152% | 152 |
| Loan and lease loss provision to assets | 0.3600% | 263 |
| Net operating income to assets | 0.4149% | 3,630 |
| Return on assets (ROA) | 0.4283% | 3,642 |
| Pretax return on assets | 0.5376% | 3,565 |
| Return on Equity (ROE) | 2.4300% | 3,971 |
| Retained earnings to average equity (ytd only) | 2.4346% | 3,206 |
| Net charge-offs to loans | 0.2184% | 510 |
| Credit loss provision to net charge-offs | 194.9403% | 1,040 |
| Earnings coverage of net charge-offs (x) | 5.3359% | 2,219 |
| Efficiency ratio | 85.5440% | 767 |
| Assets per employee ($millions) | 3.6767% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 3,607 |
| Loan loss allowance to noncurrent loans | 46.2112% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 1.4823% | 344 |
| Noncurrent loans to loans | 1.9973% | 382 |
| Net loans and leases to total assets | 73.5300% | 1,473 |
| Net loans and leases to deposits | 95.9882% | 798 |
| Net loans and leases to core deposits | 107.6057% | 1,067 |
| Total domestic deposits to total assets | 76.6000% | 3,841 |
| Equity capital to assets | 17.0948% | 387 |
| Core capital (leverage) ratio | 13.6792% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7691% | 1,330 |
| Memoranda: | ||
| Average total assets | $5,565,860,333 | 262 |
| Average earning assets | $4,825,876,667 | 265 |
| Average equity | $979,227,000 | 179 |
| Average total loans | $4,217,545,333 | 234 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6183% | 119 |
| Cost of funding earning assets | 1.1421% | 3,823 |
| Net interest margin | 7.4762% | 37 |
| Noninterest income to average assets | 1.1000% | 485 |
| Noninterest expense to average assets | 6.5318% | 155 |
| Loan and lease loss provision to assets | 0.4400% | 186 |
| Net operating income to assets | 0.5031% | 3,392 |
| Return on assets (ROA) | 0.5002% | 3,422 |
| Pretax return on assets | 0.6061% | 3,383 |
| Return on Equity (ROE) | 2.8000% | 3,886 |
| Retained earnings to average equity (ytd only) | 2.8013% | 3,029 |
| Net charge-offs to loans | 0.1814% | 484 |
| Credit loss provision to net charge-offs | 258.9135% | 714 |
| Earnings coverage of net charge-offs (x) | 7.5264% | 1,766 |
| Efficiency ratio | 83.5665% | 943 |
| Assets per employee ($millions) | 3.6303% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 3,659 |
| Loan loss allowance to noncurrent loans | 44.4744% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5433% | 287 |
| Noncurrent loans to loans | 2.0473% | 316 |
| Net loans and leases to total assets | 74.6600% | 1,257 |
| Net loans and leases to deposits | 92.6095% | 981 |
| Net loans and leases to core deposits | 105.8313% | 1,116 |
| Total domestic deposits to total assets | 80.6200% | 3,444 |
| Equity capital to assets | 17.5819% | 368 |
| Core capital (leverage) ratio | 14.2650% | 737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8524% | 1,314 |
| Memoranda: | ||
| Average total assets | $5,458,929,500 | 268 |
| Average earning assets | $4,729,629,500 | 274 |
| Average equity | $974,825,500 | 179 |
| Average total loans | $4,181,584,000 | 240 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7961% | 94 |
| Cost of funding earning assets | 0.9299% | 3,459 |
| Net interest margin | 7.8662% | 34 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 6.3366% | 164 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.9462% | 2,387 |
| Return on assets (ROA) | 0.9489% | 2,363 |
| Pretax return on assets | 1.2152% | 2,098 |
| Return on Equity (ROE) | 5.4700% | 3,630 |
| Retained earnings to average equity (ytd only) | 1.0766% | 3,820 |
| Net charge-offs to loans | 0.4650% | 226 |
| Credit loss provision to net charge-offs | 61.6988% | 2,138 |
| Earnings coverage of net charge-offs (x) | 3.9490% | 2,618 |
| Efficiency ratio | 79.0158% | 989 |
| Assets per employee ($millions) | 3.6437% | 4,255 |
| Cash dividends to net income (ytd only)* | 80.3182% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 3,867 |
| Loan loss allowance to noncurrent loans | 48.9085% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.3479% | 301 |
| Noncurrent loans to loans | 1.7292% | 358 |
| Net loans and leases to total assets | 77.2500% | 944 |
| Net loans and leases to deposits | 102.6709% | 411 |
| Net loans and leases to core deposits | 108.1822% | 1,028 |
| Total domestic deposits to total assets | 75.2400% | 4,009 |
| Equity capital to assets | 18.1447% | 342 |
| Core capital (leverage) ratio | 13.8560% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8670% | 1,301 |
| Memoranda: | ||
| Average total assets | $5,511,078,600 | 261 |
| Average earning assets | $4,800,324,600 | 260 |
| Average equity | $955,986,600 | 172 |
| Average total loans | $4,261,405,000 | 227 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6313% | 93 |
| Cost of funding earning assets | 0.8342% | 3,442 |
| Net interest margin | 7.7971% | 33 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 6.3079% | 171 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.9600% | 2,482 |
| Return on assets (ROA) | 0.9579% | 2,479 |
| Pretax return on assets | 1.2195% | 2,250 |
| Return on Equity (ROE) | 5.5800% | 3,718 |
| Retained earnings to average equity (ytd only) | 0.6846% | 4,014 |
| Net charge-offs to loans | 0.4421% | 191 |
| Credit loss provision to net charge-offs | 43.7619% | 1,923 |
| Earnings coverage of net charge-offs (x) | 3.9776% | 2,420 |
| Efficiency ratio | 79.5671% | 887 |
| Assets per employee ($millions) | 3.8106% | 4,227 |
| Cash dividends to net income (ytd only)* | 87.7391% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7952% | 3,993 |
| Loan loss allowance to noncurrent loans | 61.2153% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0160% | 504 |
| Noncurrent loans to loans | 1.2991% | 587 |
| Net loans and leases to total assets | 77.5900% | 931 |
| Net loans and leases to deposits | 95.9193% | 760 |
| Net loans and leases to core deposits | 113.7901% | 739 |
| Total domestic deposits to total assets | 80.8900% | 3,402 |
| Equity capital to assets | 17.1405% | 389 |
| Core capital (leverage) ratio | 13.6568% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0185% | 1,557 |
| Memoranda: | ||
| Average total assets | $5,552,519,000 | 260 |
| Average earning assets | $4,843,702,500 | 263 |
| Average equity | $952,509,750 | 173 |
| Average total loans | $4,285,672,250 | 228 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4343% | 50 |
| Cost of funding earning assets | 0.4147% | 3,926 |
| Net interest margin | 8.0196% | 30 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 6.4333% | 163 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.0296% | 2,442 |
| Return on assets (ROA) | 1.0353% | 2,384 |
| Pretax return on assets | 1.1729% | 2,505 |
| Return on Equity (ROE) | 6.0100% | 3,711 |
| Retained earnings to average equity (ytd only) | -0.3455% | 4,068 |
| Net charge-offs to loans | 0.2100% | 347 |
| Credit loss provision to net charge-offs | 74.6275% | 1,231 |
| Earnings coverage of net charge-offs (x) | 8.3296% | 1,724 |
| Efficiency ratio | 80.0159% | 832 |
| Assets per employee ($millions) | 3.8415% | 4,316 |
| Cash dividends to net income (ytd only)* | 105.7530% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,602 |
| Loan loss allowance to noncurrent loans | 82.8447% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9061% | 492 |
| Noncurrent loans to loans | 1.1820% | 590 |
| Net loans and leases to total assets | 75.9000% | 982 |
| Net loans and leases to deposits | 105.0118% | 280 |
| Net loans and leases to core deposits | 109.6200% | 716 |
| Total domestic deposits to total assets | 72.2800% | 4,350 |
| Equity capital to assets | 16.8125% | 354 |
| Core capital (leverage) ratio | 13.7265% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9823% | 1,633 |
| Memoranda: | ||
| Average total assets | $5,479,894,000 | 265 |
| Average earning assets | $4,772,467,000 | 268 |
| Average equity | $944,632,000 | 173 |
| Average total loans | $4,219,946,000 | 230 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2024% | 26 |
| Cost of funding earning assets | 0.2128% | 3,650 |
| Net interest margin | 7.9896% | 24 |
| Noninterest income to average assets | 1.2400% | 444 |
| Noninterest expense to average assets | 5.8256% | 172 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 1.7710% | 467 |
| Return on assets (ROA) | 1.9397% | 318 |
| Pretax return on assets | 2.5762% | 194 |
| Return on Equity (ROE) | 11.6000% | 2,271 |
| Retained earnings to average equity (ytd only) | -0.0750% | 4,368 |
| Net charge-offs to loans | 0.1256% | 619 |
| Credit loss provision to net charge-offs | 110.4109% | 1,506 |
| Earnings coverage of net charge-offs (x) | 24.8292% | 1,783 |
| Efficiency ratio | 67.7916% | 1,988 |
| Assets per employee ($millions) | 3.7339% | 4,372 |
| Cash dividends to net income (ytd only)* | 100.6466% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,165 |
| Loan loss allowance to noncurrent loans | 77.2174% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 412 |
| Noncurrent loans to loans | 1.3436% | 508 |
| Net loans and leases to total assets | 76.5800% | 950 |
| Net loans and leases to deposits | 95.7611% | 661 |
| Net loans and leases to core deposits | 99.5360% | 1,027 |
| Total domestic deposits to total assets | 79.9700% | 3,880 |
| Equity capital to assets | 17.6874% | 310 |
| Core capital (leverage) ratio | 13.2481% | 878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7552% | 1,417 |
| Memoranda: | ||
| Average total assets | $5,788,172,800 | 250 |
| Average earning assets | $5,109,045,400 | 251 |
| Average equity | $968,071,600 | 170 |
| Average total loans | $4,571,592,800 | 207 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9721% | 27 |
| Cost of funding earning assets | 0.1923% | 3,368 |
| Net interest margin | 7.7798% | 24 |
| Noninterest income to average assets | 1.3500% | 405 |
| Noninterest expense to average assets | 5.6748% | 178 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.8724% | 370 |
| Return on assets (ROA) | 2.0882% | 251 |
| Pretax return on assets | 2.7327% | 169 |
| Return on Equity (ROE) | 12.6500% | 1,822 |
| Retained earnings to average equity (ytd only) | 7.4497% | 2,211 |
| Net charge-offs to loans | 0.0998% | 616 |
| Credit loss provision to net charge-offs | 154.2213% | 1,115 |
| Earnings coverage of net charge-offs (x) | 32.4829% | 1,487 |
| Efficiency ratio | 66.3184% | 2,238 |
| Assets per employee ($millions) | 3.9923% | 4,325 |
| Cash dividends to net income (ytd only)* | 41.1082% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 3,508 |
| Loan loss allowance to noncurrent loans | 73.7100% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 413 |
| Noncurrent loans to loans | 1.3498% | 541 |
| Net loans and leases to total assets | 77.8100% | 723 |
| Net loans and leases to deposits | 97.7889% | 466 |
| Net loans and leases to core deposits | 102.8104% | 705 |
| Total domestic deposits to total assets | 79.5700% | 4,137 |
| Equity capital to assets | 17.5930% | 295 |
| Core capital (leverage) ratio | 13.6702% | 740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7174% | 1,499 |
| Memoranda: | ||
| Average total assets | $5,902,224,250 | 245 |
| Average earning assets | $5,232,028,500 | 247 |
| Average equity | $974,318,250 | 170 |
| Average total loans | $4,683,008,000 | 203 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8553% | 25 |
| Cost of funding earning assets | 0.1732% | 3,275 |
| Net interest margin | 7.6821% | 24 |
| Noninterest income to average assets | 1.5703% | 318 |
| Noninterest expense to average assets | 5.5299% | 147 |
| Loan and lease loss provision to assets | 0.0812% | 1,211 |
| Net operating income to assets | 2.1354% | 178 |
| Return on assets (ROA) | 2.4579% | 116 |
| Pretax return on assets | 3.2140% | 80 |
| Return on Equity (ROE) | 15.2033% | 856 |
| Retained earnings to average equity (ytd only) | 12.1050% | 590 |
| Net charge-offs to loans | 0.0436% | 951 |
| Credit loss provision to net charge-offs | 215.3032% | 939 |
| Earnings coverage of net charge-offs (x) | 83.2098% | 910 |
| Efficiency ratio | 63.2514% | 2,879 |
| Assets per employee ($millions) | 4.3243% | 4,190 |
| Cash dividends to net income (ytd only)* | 20.3791% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9733% | 3,713 |
| Loan loss allowance to noncurrent loans | 87.8009% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.8331% | 621 |
| Noncurrent loans to loans | 1.1085% | 743 |
| Net loans and leases to total assets | 74.1686% | 898 |
| Net loans and leases to deposits | 91.8743% | 616 |
| Net loans and leases to core deposits | 97.8218% | 763 |
| Total domestic deposits to total assets | 80.7283% | 4,167 |
| Equity capital to assets | 16.7321% | 294 |
| Core capital (leverage) ratio | 13.2090% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4939% | 1,574 |
| Memoranda: | ||
| Average total assets | $5,989,261,000 | 242 |
| Average earning assets | $5,337,900,667 | 243 |
| Average equity | $968,277,333 | 169 |
| Average total loans | $4,766,216,667 | 196 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7036% | 28 |
| Cost of funding earning assets | 0.1195% | 3,904 |
| Net interest margin | 7.5840% | 25 |
| Noninterest income to average assets | 0.7677% | 1,123 |
| Noninterest expense to average assets | 5.1562% | 167 |
| Loan and lease loss provision to assets | -0.0378% | 4,494 |
| Net operating income to assets | 1.8463% | 299 |
| Return on assets (ROA) | 1.8242% | 315 |
| Pretax return on assets | 2.3995% | 204 |
| Return on Equity (ROE) | 11.4828% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.4828% | 686 |
| Net charge-offs to loans | 0.0670% | 661 |
| Credit loss provision to net charge-offs | 20.3883% | 1,289 |
| Earnings coverage of net charge-offs (x) | 43.5498% | 976 |
| Efficiency ratio | 65.5885% | 2,818 |
| Assets per employee ($millions) | 4.6127% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 4,183 |
| Loan loss allowance to noncurrent loans | 68.3561% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 497 |
| Noncurrent loans to loans | 1.2244% | 721 |
| Net loans and leases to total assets | 81.1012% | 195 |
| Net loans and leases to deposits | 103.2289% | 124 |
| Net loans and leases to core deposits | 110.1782% | 255 |
| Total domestic deposits to total assets | 78.5644% | 4,373 |
| Equity capital to assets | 15.9837% | 318 |
| Core capital (leverage) ratio | 12.5784% | 886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4273% | 2,433 |
| Memoranda: | ||
| Average total assets | $6,006,643,000 | 241 |
| Average earning assets | $5,368,381,000 | 245 |
| Average equity | $954,258,500 | 176 |
| Average total loans | $4,919,437,000 | 193 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1774% | 37 |
| Cost of funding earning assets | 0.1890% | 3,566 |
| Net interest margin | 6.9883% | 33 |
| Noninterest income to average assets | 0.9052% | 1,186 |
| Noninterest expense to average assets | 4.7358% | 193 |
| Loan and lease loss provision to assets | -0.1484% | 4,625 |
| Net operating income to assets | 2.0445% | 312 |
| Return on assets (ROA) | 2.0403% | 329 |
| Pretax return on assets | 2.6110% | 223 |
| Return on Equity (ROE) | 14.1065% | 1,153 |
| Retained earnings to average equity (ytd only) | 14.1065% | 294 |
| Net charge-offs to loans | 0.9234% | 68 |
| Credit loss provision to net charge-offs | -17.4795% | 3,183 |
| Earnings coverage of net charge-offs (x) | 3.2443% | 2,555 |
| Efficiency ratio | 63.2200% | 2,678 |
| Assets per employee ($millions) | 4.7773% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8660% | 4,146 |
| Loan loss allowance to noncurrent loans | 77.7330% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.9225% | 624 |
| Noncurrent loans to loans | 1.1140% | 869 |
| Net loans and leases to total assets | 81.3064% | 211 |
| Net loans and leases to deposits | 102.7273% | 148 |
| Net loans and leases to core deposits | 110.9265% | 274 |
| Total domestic deposits to total assets | 79.1478% | 4,302 |
| Equity capital to assets | 15.7877% | 405 |
| Core capital (leverage) ratio | 11.7987% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8972% | 2,665 |
| Memoranda: | ||
| Average total assets | $5,989,473,200 | 230 |
| Average earning assets | $5,398,275,800 | 237 |
| Average equity | $866,309,400 | 187 |
| Average total loans | $4,934,243,400 | 191 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8688% | 45 |
| Cost of funding earning assets | 0.2019% | 3,583 |
| Net interest margin | 6.6669% | 39 |
| Noninterest income to average assets | 0.8951% | 1,269 |
| Noninterest expense to average assets | 4.4730% | 217 |
| Loan and lease loss provision to assets | -0.2344% | 4,778 |
| Net operating income to assets | 2.1051% | 392 |
| Return on assets (ROA) | 2.1016% | 413 |
| Pretax return on assets | 2.6841% | 259 |
| Return on Equity (ROE) | 14.8669% | 1,172 |
| Retained earnings to average equity (ytd only) | 14.8669% | 416 |
| Net charge-offs to loans | 1.2212% | 50 |
| Credit loss provision to net charge-offs | -20.7138% | 3,083 |
| Earnings coverage of net charge-offs (x) | 2.4367% | 2,349 |
| Efficiency ratio | 62.1102% | 2,678 |
| Assets per employee ($millions) | 4.9361% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,266 |
| Loan loss allowance to noncurrent loans | 79.5519% | 3,636 |
| Noncurrent assets plus other real estate owned to assets | 0.8731% | 797 |
| Noncurrent loans to loans | 1.0722% | 1,057 |
| Net loans and leases to total assets | 79.3613% | 327 |
| Net loans and leases to deposits | 97.7688% | 281 |
| Net loans and leases to core deposits | 108.6984% | 351 |
| Total domestic deposits to total assets | 81.1724% | 4,067 |
| Equity capital to assets | 14.9597% | 548 |
| Core capital (leverage) ratio | 11.1124% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5159% | 2,860 |
| Memoranda: | ||
| Average total assets | $6,001,105,250 | 230 |
| Average earning assets | $5,429,726,000 | 232 |
| Average equity | $848,323,250 | 187 |
| Average total loans | $4,949,253,750 | 192 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7281% | 52 |
| Cost of funding earning assets | 0.2261% | 3,505 |
| Net interest margin | 6.5020% | 44 |
| Noninterest income to average assets | 0.9351% | 1,184 |
| Noninterest expense to average assets | 4.3215% | 237 |
| Loan and lease loss provision to assets | -0.3118% | 4,845 |
| Net operating income to assets | 2.2298% | 322 |
| Return on assets (ROA) | 2.2306% | 339 |
| Pretax return on assets | 2.8234% | 228 |
| Return on Equity (ROE) | 16.0921% | 941 |
| Retained earnings to average equity (ytd only) | 16.0921% | 331 |
| Net charge-offs to loans | 1.6658% | 37 |
| Credit loss provision to net charge-offs | -20.2600% | 2,925 |
| Earnings coverage of net charge-offs (x) | 1.8097% | 2,157 |
| Efficiency ratio | 61.1030% | 2,856 |
| Assets per employee ($millions) | 4.9771% | 3,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 4,028 |
| Loan loss allowance to noncurrent loans | 76.1551% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 1.0173% | 732 |
| Noncurrent loans to loans | 1.2341% | 969 |
| Net loans and leases to total assets | 80.3005% | 298 |
| Net loans and leases to deposits | 101.1240% | 228 |
| Net loans and leases to core deposits | 118.1684% | 239 |
| Total domestic deposits to total assets | 79.4079% | 4,302 |
| Equity capital to assets | 14.4568% | 626 |
| Core capital (leverage) ratio | 10.3546% | 2,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7829% | 2,999 |
| Memoranda: | ||
| Average total assets | $5,999,047,333 | 230 |
| Average earning assets | $5,440,872,000 | 232 |
| Average equity | $831,541,000 | 190 |
| Average total loans | $4,996,182,667 | 192 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4621% | 68 |
| Cost of funding earning assets | 0.2590% | 3,388 |
| Net interest margin | 6.2031% | 56 |
| Noninterest income to average assets | 0.9488% | 1,220 |
| Noninterest expense to average assets | 3.9832% | 289 |
| Loan and lease loss provision to assets | -0.5117% | 4,919 |
| Net operating income to assets | 2.4007% | 313 |
| Return on assets (ROA) | 2.4007% | 338 |
| Pretax return on assets | 3.1314% | 209 |
| Return on Equity (ROE) | 17.6998% | 759 |
| Retained earnings to average equity (ytd only) | 17.6998% | 378 |
| Net charge-offs to loans | 3.2588% | 16 |
| Credit loss provision to net charge-offs | -15.6671% | 2,702 |
| Earnings coverage of net charge-offs (x) | 0.9525% | 1,872 |
| Efficiency ratio | 58.3314% | 3,257 |
| Assets per employee ($millions) | 5.2796% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9404% | 4,050 |
| Loan loss allowance to noncurrent loans | 70.0337% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.1507% | 660 |
| Noncurrent loans to loans | 1.3428% | 960 |
| Net loans and leases to total assets | 83.1683% | 178 |
| Net loans and leases to deposits | 104.7193% | 193 |
| Net loans and leases to core deposits | 126.8977% | 175 |
| Total domestic deposits to total assets | 79.4202% | 4,278 |
| Equity capital to assets | 13.7067% | 738 |
| Core capital (leverage) ratio | 11.4348% | 1,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6621% | 2,776 |
| Memoranda: | ||
| Average total assets | $5,999,858,000 | 229 |
| Average earning assets | $5,468,888,000 | 231 |
| Average equity | $813,794,500 | 193 |
| Average total loans | $5,063,448,500 | 192 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4067% | 59 |
| Cost of funding earning assets | 0.5954% | 2,345 |
| Net interest margin | 5.8113% | 51 |
| Noninterest income to average assets | 1.0226% | 1,009 |
| Noninterest expense to average assets | 3.9347% | 404 |
| Loan and lease loss provision to assets | 0.6575% | 275 |
| Net operating income to assets | 1.2922% | 1,270 |
| Return on assets (ROA) | 1.3438% | 1,238 |
| Pretax return on assets | 1.7646% | 737 |
| Return on Equity (ROE) | 10.1410% | 1,956 |
| Retained earnings to average equity (ytd only) | 8.0979% | 1,028 |
| Net charge-offs to loans | 0.0995% | 1,478 |
| Credit loss provision to net charge-offs | 797.3517% | 907 |
| Earnings coverage of net charge-offs (x) | 28.5804% | 1,654 |
| Efficiency ratio | 60.1496% | 3,434 |
| Assets per employee ($millions) | 5.2601% | 3,088 |
| Cash dividends to net income (ytd only)* | 20.1472% | 3,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 713 |
| Loan loss allowance to noncurrent loans | 89.6001% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 1.8298% | 332 |
| Noncurrent loans to loans | 2.1282% | 513 |
| Net loans and leases to total assets | 83.2221% | 217 |
| Net loans and leases to deposits | 103.4557% | 268 |
| Net loans and leases to core deposits | 134.7209% | 162 |
| Total domestic deposits to total assets | 80.4423% | 3,969 |
| Equity capital to assets | 13.4165% | 958 |
| Core capital (leverage) ratio | 11.3408% | 1,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0832% | 2,901 |
| Memoranda: | ||
| Average total assets | $5,540,545,800 | 233 |
| Average earning assets | $5,023,577,200 | 232 |
| Average equity | $734,167,600 | 197 |
| Average total loans | $4,593,997,600 | 201 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2650% | 79 |
| Cost of funding earning assets | 0.6853% | 2,117 |
| Net interest margin | 5.5797% | 69 |
| Noninterest income to average assets | 0.8337% | 1,385 |
| Noninterest expense to average assets | 3.9095% | 409 |
| Loan and lease loss provision to assets | 0.7789% | 238 |
| Net operating income to assets | 0.9018% | 2,700 |
| Return on assets (ROA) | 0.9755% | 2,565 |
| Pretax return on assets | 1.2950% | 2,072 |
| Return on Equity (ROE) | 7.3872% | 3,060 |
| Retained earnings to average equity (ytd only) | 4.6065% | 2,741 |
| Net charge-offs to loans | 0.0982% | 1,327 |
| Credit loss provision to net charge-offs | 962.3412% | 851 |
| Earnings coverage of net charge-offs (x) | 24.4710% | 1,760 |
| Efficiency ratio | 63.7710% | 2,775 |
| Assets per employee ($millions) | 5.1851% | 3,031 |
| Cash dividends to net income (ytd only)* | 37.6421% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8612% | 633 |
| Loan loss allowance to noncurrent loans | 132.6690% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2082% | 823 |
| Noncurrent loans to loans | 1.4029% | 1,032 |
| Net loans and leases to total assets | 82.4705% | 401 |
| Net loans and leases to deposits | 111.7486% | 199 |
| Net loans and leases to core deposits | 133.1260% | 206 |
| Total domestic deposits to total assets | 73.8000% | 4,581 |
| Equity capital to assets | 13.0207% | 1,173 |
| Core capital (leverage) ratio | 11.2675% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9079% | 2,934 |
| Memoranda: | ||
| Average total assets | $5,446,271,250 | 232 |
| Average earning assets | $4,935,445,000 | 234 |
| Average equity | $719,225,000 | 199 |
| Average total loans | $4,487,366,500 | 204 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2016% | 115 |
| Cost of funding earning assets | 0.7959% | 1,847 |
| Net interest margin | 5.4058% | 98 |
| Noninterest income to average assets | 0.9825% | 1,017 |
| Noninterest expense to average assets | 3.9623% | 423 |
| Loan and lease loss provision to assets | 1.2092% | 138 |
| Net operating income to assets | 0.5097% | 3,992 |
| Return on assets (ROA) | 0.5416% | 3,981 |
| Pretax return on assets | 0.7500% | 3,740 |
| Return on Equity (ROE) | 4.0806% | 4,075 |
| Retained earnings to average equity (ytd only) | -0.1659% | 4,340 |
| Net charge-offs to loans | 0.1207% | 1,121 |
| Credit loss provision to net charge-offs | 1,224.4673% | 694 |
| Earnings coverage of net charge-offs (x) | 19.4304% | 1,722 |
| Efficiency ratio | 64.7381% | 2,702 |
| Assets per employee ($millions) | 4.9500% | 3,233 |
| Cash dividends to net income (ytd only)* | 104.0655% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,358 |
| Loan loss allowance to noncurrent loans | 97.8042% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0324% | 1,152 |
| Noncurrent loans to loans | 1.2567% | 1,240 |
| Net loans and leases to total assets | 78.3841% | 805 |
| Net loans and leases to deposits | 106.7511% | 301 |
| Net loans and leases to core deposits | 126.3047% | 308 |
| Total domestic deposits to total assets | 73.4270% | 4,626 |
| Equity capital to assets | 12.8130% | 1,234 |
| Core capital (leverage) ratio | 10.4128% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2403% | 2,903 |
| Memoranda: | ||
| Average total assets | $5,322,482,667 | 234 |
| Average earning assets | $4,823,080,667 | 235 |
| Average equity | $706,467,000 | 201 |
| Average total loans | $4,353,546,333 | 204 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4156% | 92 |
| Cost of funding earning assets | 0.9321% | 1,730 |
| Net interest margin | 5.4835% | 91 |
| Noninterest income to average assets | 0.5630% | 2,216 |
| Noninterest expense to average assets | 4.3696% | 345 |
| Loan and lease loss provision to assets | 1.3395% | 128 |
| Net operating income to assets | -0.1972% | 4,849 |
| Return on assets (ROA) | -0.1757% | 4,816 |
| Pretax return on assets | -0.1680% | 4,799 |
| Return on Equity (ROE) | -1.2992% | 4,813 |
| Retained earnings to average equity (ytd only) | -9.8580% | 4,761 |
| Net charge-offs to loans | 0.1431% | 879 |
| Credit loss provision to net charge-offs | 1,126.6710% | 524 |
| Earnings coverage of net charge-offs (x) | 9.6723% | 1,809 |
| Efficiency ratio | 76.2608% | 1,533 |
| Assets per employee ($millions) | 4.7432% | 2,939 |
| Cash dividends to net income (ytd only)* | -658.7615% | 5,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,642 |
| Loan loss allowance to noncurrent loans | 81.4789% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 1,213 |
| Noncurrent loans to loans | 1.2414% | 1,311 |
| Net loans and leases to total assets | 82.1038% | 429 |
| Net loans and leases to deposits | 118.6804% | 90 |
| Net loans and leases to core deposits | 138.1683% | 184 |
| Total domestic deposits to total assets | 69.1806% | 4,886 |
| Equity capital to assets | 12.9183% | 1,475 |
| Core capital (leverage) ratio | 10.9330% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3316% | 3,267 |
| Memoranda: | ||
| Average total assets | $5,184,507,500 | 233 |
| Average earning assets | $4,686,295,000 | 234 |
| Average equity | $701,037,000 | 203 |
| Average total loans | $4,308,873,000 | 204 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2404% | 65 |
| Cost of funding earning assets | 1.1395% | 1,194 |
| Net interest margin | 6.1009% | 59 |
| Noninterest income to average assets | 0.6532% | 1,996 |
| Noninterest expense to average assets | 4.2028% | 425 |
| Loan and lease loss provision to assets | 0.1682% | 1,239 |
| Net operating income to assets | 1.4036% | 1,331 |
| Return on assets (ROA) | 1.4113% | 1,386 |
| Pretax return on assets | 1.7698% | 1,022 |
| Return on Equity (ROE) | 9.7335% | 2,425 |
| Retained earnings to average equity (ytd only) | 5.3219% | 2,265 |
| Net charge-offs to loans | 0.1650% | 1,223 |
| Credit loss provision to net charge-offs | 124.8676% | 2,043 |
| Earnings coverage of net charge-offs (x) | 14.3183% | 2,289 |
| Efficiency ratio | 65.4242% | 2,851 |
| Assets per employee ($millions) | 4.5548% | 3,152 |
| Cash dividends to net income (ytd only)* | 45.3242% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6932% | 4,589 |
| Loan loss allowance to noncurrent loans | 73.5194% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 1,519 |
| Noncurrent loans to loans | 0.9429% | 1,623 |
| Net loans and leases to total assets | 82.7108% | 464 |
| Net loans and leases to deposits | 109.1213% | 205 |
| Net loans and leases to core deposits | 128.1367% | 298 |
| Total domestic deposits to total assets | 75.7971% | 4,620 |
| Equity capital to assets | 14.1605% | 1,038 |
| Core capital (leverage) ratio | 10.8596% | 2,629 |
| Tier 1 risk-based capital ratio | 11.3578% | 4,706 |
| Total risk-based capital ratio | 12.0002% | 4,855 |
| Memoranda: | ||
| Average total assets | $4,768,279,000 | 238 |
| Average earning assets | $4,281,402,000 | 237 |
| Average equity | $691,355,600 | 200 |
| Average total loans | $3,892,001,600 | 214 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2447% | 64 |
| Cost of funding earning assets | 1.1305% | 1,241 |
| Net interest margin | 6.1142% | 61 |
| Noninterest income to average assets | 0.6297% | 2,074 |
| Noninterest expense to average assets | 4.2188% | 404 |
| Loan and lease loss provision to assets | 0.2166% | 798 |
| Net operating income to assets | 1.3167% | 1,786 |
| Return on assets (ROA) | 1.3284% | 1,806 |
| Pretax return on assets | 1.6925% | 1,357 |
| Return on Equity (ROE) | 9.1049% | 2,844 |
| Retained earnings to average equity (ytd only) | 3.1757% | 3,820 |
| Net charge-offs to loans | 0.1131% | 1,347 |
| Credit loss provision to net charge-offs | 235.9703% | 1,145 |
| Earnings coverage of net charge-offs (x) | 20.6391% | 1,948 |
| Efficiency ratio | 65.7751% | 2,755 |
| Assets per employee ($millions) | 4.5587% | 3,111 |
| Cash dividends to net income (ytd only)* | 65.1208% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 4,527 |
| Loan loss allowance to noncurrent loans | 64.8657% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 1.0371% | 1,288 |
| Noncurrent loans to loans | 1.1662% | 1,355 |
| Net loans and leases to total assets | 83.4259% | 410 |
| Net loans and leases to deposits | 112.9854% | 155 |
| Net loans and leases to core deposits | 133.0115% | 262 |
| Total domestic deposits to total assets | 73.8378% | 4,823 |
| Equity capital to assets | 13.8055% | 1,229 |
| Core capital (leverage) ratio | 10.8429% | 2,796 |
| Tier 1 risk-based capital ratio | 10.7523% | 5,001 |
| Total risk-based capital ratio | 11.4499% | 5,079 |
| Memoranda: | ||
| Average total assets | $4,700,947,750 | 241 |
| Average earning assets | $4,215,902,500 | 241 |
| Average equity | $685,857,500 | 204 |
| Average total loans | $3,816,070,000 | 216 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2865% | 61 |
| Cost of funding earning assets | 1.1009% | 1,301 |
| Net interest margin | 6.1856% | 60 |
| Noninterest income to average assets | 0.6349% | 2,000 |
| Noninterest expense to average assets | 4.2460% | 386 |
| Loan and lease loss provision to assets | 0.2076% | 817 |
| Net operating income to assets | 1.3216% | 1,690 |
| Return on assets (ROA) | 1.3367% | 1,689 |
| Pretax return on assets | 1.7390% | 1,189 |
| Return on Equity (ROE) | 8.9862% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.9862% | 1,031 |
| Net charge-offs to loans | 0.1548% | 1,016 |
| Credit loss provision to net charge-offs | 167.4035% | 1,378 |
| Earnings coverage of net charge-offs (x) | 15.5435% | 1,978 |
| Efficiency ratio | 65.4302% | 2,901 |
| Assets per employee ($millions) | 4.2446% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7664% | 4,560 |
| Loan loss allowance to noncurrent loans | 87.2131% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7792% | 1,788 |
| Noncurrent loans to loans | 0.8788% | 1,847 |
| Net loans and leases to total assets | 80.0265% | 874 |
| Net loans and leases to deposits | 103.6034% | 437 |
| Net loans and leases to core deposits | 122.3996% | 475 |
| Total domestic deposits to total assets | 77.2431% | 4,530 |
| Equity capital to assets | 14.5186% | 944 |
| Core capital (leverage) ratio | 11.0862% | 2,518 |
| Tier 1 risk-based capital ratio | 11.5898% | 4,638 |
| Total risk-based capital ratio | 12.2884% | 4,808 |
| Memoranda: | ||
| Average total assets | $4,596,391,670 | 247 |
| Average earning assets | $4,115,686,000 | 245 |
| Average equity | $683,712,670 | 205 |
| Average total loans | $3,682,967,000 | 225 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2233% | 63 |
| Cost of funding earning assets | 1.0256% | 1,463 |
| Net interest margin | 6.1977% | 59 |
| Noninterest income to average assets | 0.6418% | 1,851 |
| Noninterest expense to average assets | 4.2237% | 389 |
| Loan and lease loss provision to assets | 0.0966% | 1,816 |
| Net operating income to assets | 1.4336% | 1,282 |
| Return on assets (ROA) | 1.4426% | 1,288 |
| Pretax return on assets | 1.8758% | 837 |
| Return on Equity (ROE) | 9.5772% | 2,558 |
| Retained earnings to average equity (ytd only) | 9.5772% | 1,142 |
| Net charge-offs to loans | 0.1087% | 1,085 |
| Credit loss provision to net charge-offs | 111.2245% | 1,485 |
| Earnings coverage of net charge-offs (x) | 22.5878% | 1,493 |
| Efficiency ratio | 64.8533% | 3,106 |
| Assets per employee ($millions) | 3.9184% | 4,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 4,625 |
| Loan loss allowance to noncurrent loans | 89.0919% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 1,863 |
| Noncurrent loans to loans | 0.8577% | 1,925 |
| Net loans and leases to total assets | 79.5386% | 900 |
| Net loans and leases to deposits | 107.4348% | 281 |
| Net loans and leases to core deposits | 126.2555% | 375 |
| Total domestic deposits to total assets | 74.0343% | 4,932 |
| Equity capital to assets | 15.2993% | 686 |
| Core capital (leverage) ratio | 11.4163% | 2,200 |
| Tier 1 risk-based capital ratio | 12.1081% | 4,406 |
| Total risk-based capital ratio | 12.8066% | 4,598 |
| Memoranda: | ||
| Average total assets | $4,515,490,500 | 250 |
| Average earning assets | $4,038,347,000 | 248 |
| Average equity | $680,158,500 | 208 |
| Average total loans | $3,605,837,000 | 228 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3551% | 59 |
| Cost of funding earning assets | 0.8409% | 1,344 |
| Net interest margin | 6.5142% | 48 |
| Noninterest income to average assets | 0.5909% | 2,348 |
| Noninterest expense to average assets | 4.1523% | 432 |
| Loan and lease loss provision to assets | 0.4126% | 324 |
| Net operating income to assets | 1.5165% | 1,078 |
| Return on assets (ROA) | 1.5115% | 1,072 |
| Pretax return on assets | 1.9156% | 688 |
| Return on Equity (ROE) | 11.2026% | 2,001 |
| Retained earnings to average equity (ytd only) | 11.2026% | 404 |
| Net charge-offs to loans | 0.2293% | 849 |
| Credit loss provision to net charge-offs | 220.2342% | 1,319 |
| Earnings coverage of net charge-offs (x) | 12.4612% | 2,528 |
| Efficiency ratio | 61.2670% | 3,654 |
| Assets per employee ($millions) | 4.0545% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7636% | 4,640 |
| Loan loss allowance to noncurrent loans | 80.0396% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 1,733 |
| Noncurrent loans to loans | 0.9540% | 1,691 |
| Net loans and leases to total assets | 78.9524% | 1,104 |
| Net loans and leases to deposits | 102.8121% | 544 |
| Net loans and leases to core deposits | 120.0920% | 543 |
| Total domestic deposits to total assets | 76.7928% | 4,664 |
| Equity capital to assets | 14.8272% | 752 |
| Core capital (leverage) ratio | 11.0176% | 2,509 |
| Tier 1 risk-based capital ratio | 11.6812% | 4,632 |
| Total risk-based capital ratio | 12.3800% | 4,812 |
| Memoranda: | ||
| Average total assets | $3,920,144,600 | 271 |
| Average earning assets | $3,548,049,800 | 268 |
| Average equity | $528,924,200 | 233 |
| Average total loans | $3,203,244,200 | 242 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2263% | 59 |
| Cost of funding earning assets | 0.7952% | 1,364 |
| Net interest margin | 6.4311% | 53 |
| Noninterest income to average assets | 0.5812% | 2,411 |
| Noninterest expense to average assets | 4.1218% | 446 |
| Loan and lease loss provision to assets | 0.5044% | 223 |
| Net operating income to assets | 1.3745% | 1,578 |
| Return on assets (ROA) | 1.3664% | 1,604 |
| Pretax return on assets | 1.7868% | 1,041 |
| Return on Equity (ROE) | 10.4369% | 2,417 |
| Retained earnings to average equity (ytd only) | 10.4369% | 783 |
| Net charge-offs to loans | 0.2470% | 688 |
| Credit loss provision to net charge-offs | 247.9478% | 1,189 |
| Earnings coverage of net charge-offs (x) | 11.3141% | 2,521 |
| Efficiency ratio | 61.6688% | 3,558 |
| Assets per employee ($millions) | 4.0337% | 3,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 4,698 |
| Loan loss allowance to noncurrent loans | 74.7832% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 1,716 |
| Noncurrent loans to loans | 1.0373% | 1,648 |
| Net loans and leases to total assets | 77.1886% | 1,470 |
| Net loans and leases to deposits | 100.4064% | 748 |
| Net loans and leases to core deposits | 118.3906% | 631 |
| Total domestic deposits to total assets | 76.8761% | 4,663 |
| Equity capital to assets | 14.4037% | 852 |
| Core capital (leverage) ratio | 11.6847% | 2,017 |
| Tier 1 risk-based capital ratio | 11.2850% | 4,906 |
| Total risk-based capital ratio | 11.9882% | 5,053 |
| Memoranda: | ||
| Average total assets | $3,768,971,250 | 273 |
| Average earning assets | $3,423,761,500 | 274 |
| Average equity | $493,428,250 | 244 |
| Average total loans | $3,104,066,500 | 248 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1046% | 61 |
| Cost of funding earning assets | 0.7451% | 1,393 |
| Net interest margin | 6.3595% | 55 |
| Noninterest income to average assets | 0.5929% | 2,359 |
| Noninterest expense to average assets | 3.9778% | 549 |
| Loan and lease loss provision to assets | 0.4223% | 283 |
| Net operating income to assets | 1.5353% | 1,065 |
| Return on assets (ROA) | 1.5242% | 1,094 |
| Pretax return on assets | 1.9879% | 617 |
| Return on Equity (ROE) | 12.1610% | 1,669 |
| Retained earnings to average equity (ytd only) | 12.1610% | 498 |
| Net charge-offs to loans | 0.1115% | 1,261 |
| Credit loss provision to net charge-offs | 449.3961% | 762 |
| Earnings coverage of net charge-offs (x) | 25.7995% | 1,626 |
| Efficiency ratio | 59.9372% | 3,944 |
| Assets per employee ($millions) | 3.8833% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 4,793 |
| Loan loss allowance to noncurrent loans | 57.9265% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.1986% | 1,192 |
| Noncurrent loans to loans | 1.3252% | 1,283 |
| Net loans and leases to total assets | 84.6764% | 385 |
| Net loans and leases to deposits | 114.5260% | 184 |
| Net loans and leases to core deposits | 137.6791% | 216 |
| Total domestic deposits to total assets | 73.9364% | 5,048 |
| Equity capital to assets | 13.3595% | 1,159 |
| Core capital (leverage) ratio | 10.9166% | 2,587 |
| Tier 1 risk-based capital ratio | 10.9212% | 5,098 |
| Total risk-based capital ratio | 11.6406% | 5,222 |
| Memoranda: | ||
| Average total assets | $3,524,766,330 | 289 |
| Average earning assets | $3,219,697,000 | 282 |
| Average equity | $441,772,000 | 262 |
| Average total loans | $2,971,464,000 | 254 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8541% | 63 |
| Cost of funding earning assets | 0.7090% | 1,393 |
| Net interest margin | 6.1451% | 60 |
| Noninterest income to average assets | 0.6541% | 2,020 |
| Noninterest expense to average assets | 3.9040% | 585 |
| Loan and lease loss provision to assets | 0.2966% | 439 |
| Net operating income to assets | 1.6055% | 850 |
| Return on assets (ROA) | 1.5735% | 921 |
| Pretax return on assets | 2.0402% | 528 |
| Return on Equity (ROE) | 13.0223% | 1,256 |
| Retained earnings to average equity (ytd only) | 13.0223% | 519 |
| Net charge-offs to loans | 0.1780% | 823 |
| Credit loss provision to net charge-offs | 198.9804% | 1,051 |
| Earnings coverage of net charge-offs (x) | 15.9482% | 1,647 |
| Efficiency ratio | 60.0726% | 4,057 |
| Assets per employee ($millions) | 4.0992% | 3,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 5,038 |
| Loan loss allowance to noncurrent loans | 55.2673% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3406% | 1,102 |
| Noncurrent loans to loans | 1.2592% | 1,433 |
| Net loans and leases to total assets | 84.2548% | 415 |
| Net loans and leases to deposits | 110.4271% | 241 |
| Net loans and leases to core deposits | 124.5713% | 459 |
| Total domestic deposits to total assets | 76.2991% | 4,940 |
| Equity capital to assets | 12.4410% | 1,513 |
| Core capital (leverage) ratio | 10.6470% | 2,798 |
| Tier 1 risk-based capital ratio | 11.2586% | 5,002 |
| Total risk-based capital ratio | 11.9065% | 5,201 |
| Memoranda: | ||
| Average total assets | $3,421,247,000 | 292 |
| Average earning assets | $3,132,917,500 | 286 |
| Average equity | $413,383,500 | 274 |
| Average total loans | $2,864,995,000 | 257 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6815% | 69 |
| Cost of funding earning assets | 0.6171% | 1,491 |
| Net interest margin | 6.0644% | 69 |
| Noninterest income to average assets | 0.5945% | 2,474 |
| Noninterest expense to average assets | 3.9520% | 571 |
| Loan and lease loss provision to assets | 0.4025% | 366 |
| Net operating income to assets | 1.0484% | 2,057 |
| Return on assets (ROA) | 1.0492% | 2,085 |
| Pretax return on assets | 1.8089% | 776 |
| Return on Equity (ROE) | 8.6564% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.6564% | 571 |
| Net charge-offs to loans | 0.2662% | 977 |
| Credit loss provision to net charge-offs | 186.6386% | 1,460 |
| Earnings coverage of net charge-offs (x) | 10.2477% | 2,699 |
| Efficiency ratio | 61.2901% | 4,053 |
| Assets per employee ($millions) | 4.2303% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6506% | 5,157 |
| Loan loss allowance to noncurrent loans | 54.7753% | 4,386 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 1,169 |
| Noncurrent loans to loans | 1.1878% | 1,498 |
| Net loans and leases to total assets | 82.1296% | 667 |
| Net loans and leases to deposits | 106.9344% | 362 |
| Net loans and leases to core deposits | 121.2948% | 546 |
| Total domestic deposits to total assets | 76.8038% | 4,880 |
| Equity capital to assets | 11.7345% | 2,010 |
| Core capital (leverage) ratio | 11.1111% | 2,241 |
| Tier 1 risk-based capital ratio | 10.7629% | 5,267 |
| Total risk-based capital ratio | 11.3660% | 5,442 |
| Memoranda: | ||
| Average total assets | $2,866,229,800 | 315 |
| Average earning assets | $2,631,505,200 | 310 |
| Average equity | $347,397,400 | 295 |
| Average total loans | $2,321,931,800 | 284 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6249% | 69 |
| Cost of funding earning assets | 0.5969% | 1,546 |
| Net interest margin | 6.0279% | 68 |
| Noninterest income to average assets | 0.6270% | 2,326 |
| Noninterest expense to average assets | 4.0186% | 507 |
| Loan and lease loss provision to assets | 0.4720% | 256 |
| Net operating income to assets | 1.0749% | 2,202 |
| Return on assets (ROA) | 1.0760% | 2,249 |
| Pretax return on assets | 1.6792% | 1,172 |
| Return on Equity (ROE) | 8.7882% | 2,731 |
| Retained earnings to average equity (ytd only) | 8.7882% | 915 |
| Net charge-offs to loans | 0.2889% | 745 |
| Credit loss provision to net charge-offs | 202.9983% | 1,332 |
| Earnings coverage of net charge-offs (x) | 9.2441% | 2,711 |
| Efficiency ratio | 62.9942% | 3,709 |
| Assets per employee ($millions) | 4.0478% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 4,789 |
| Loan loss allowance to noncurrent loans | 80.9668% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 1,355 |
| Noncurrent loans to loans | 1.0384% | 1,863 |
| Net loans and leases to total assets | 83.2391% | 522 |
| Net loans and leases to deposits | 114.0701% | 180 |
| Net loans and leases to core deposits | 128.5252% | 366 |
| Total domestic deposits to total assets | 72.9719% | 5,313 |
| Equity capital to assets | 12.3171% | 1,772 |
| Core capital (leverage) ratio | 11.1960% | 2,283 |
| Tier 1 risk-based capital ratio | 11.5860% | 4,894 |
| Total risk-based capital ratio | 12.3566% | 5,073 |
| Memoranda: | ||
| Average total assets | $2,715,582,000 | 329 |
| Average earning assets | $2,496,264,500 | 319 |
| Average equity | $332,484,250 | 305 |
| Average total loans | $2,185,518,000 | 297 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4890% | 77 |
| Cost of funding earning assets | 0.5631% | 1,694 |
| Net interest margin | 5.9258% | 77 |
| Noninterest income to average assets | 0.6411% | 2,249 |
| Noninterest expense to average assets | 4.0756% | 485 |
| Loan and lease loss provision to assets | 0.6785% | 161 |
| Net operating income to assets | 0.8424% | 3,193 |
| Return on assets (ROA) | 0.8424% | 3,238 |
| Pretax return on assets | 1.3278% | 2,276 |
| Return on Equity (ROE) | 6.8954% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.8954% | 1,644 |
| Net charge-offs to loans | 0.4488% | 447 |
| Credit loss provision to net charge-offs | 190.8323% | 1,318 |
| Earnings coverage of net charge-offs (x) | 5.6426% | 2,803 |
| Efficiency ratio | 64.7385% | 3,549 |
| Assets per employee ($millions) | 3.9727% | 3,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,777 |
| Loan loss allowance to noncurrent loans | 70.8635% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.3410% | 1,206 |
| Noncurrent loans to loans | 1.2186% | 1,601 |
| Net loans and leases to total assets | 80.6559% | 859 |
| Net loans and leases to deposits | 107.6184% | 332 |
| Net loans and leases to core deposits | 120.6038% | 532 |
| Total domestic deposits to total assets | 74.9462% | 5,207 |
| Equity capital to assets | 11.8694% | 2,025 |
| Core capital (leverage) ratio | 10.9897% | 2,417 |
| Tier 1 risk-based capital ratio | 11.3108% | 5,082 |
| Total risk-based capital ratio | 12.0963% | 5,249 |
| Memoranda: | ||
| Average total assets | $2,662,803,670 | 335 |
| Average earning assets | $2,444,887,000 | 334 |
| Average equity | $325,318,330 | 313 |
| Average total loans | $2,109,855,330 | 307 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0927% | 110 |
| Cost of funding earning assets | 0.5407% | 1,779 |
| Net interest margin | 5.5520% | 104 |
| Noninterest income to average assets | 0.6483% | 2,188 |
| Noninterest expense to average assets | 4.2539% | 406 |
| Loan and lease loss provision to assets | 1.1734% | 71 |
| Net operating income to assets | 0.1982% | 5,395 |
| Return on assets (ROA) | 0.1982% | 5,410 |
| Pretax return on assets | 0.3124% | 5,299 |
| Return on Equity (ROE) | 1.5974% | 5,402 |
| Retained earnings to average equity (ytd only) | 1.5974% | 4,466 |
| Net charge-offs to loans | 0.7886% | 213 |
| Credit loss provision to net charge-offs | 190.5514% | 1,040 |
| Earnings coverage of net charge-offs (x) | 2.4128% | 2,595 |
| Efficiency ratio | 71.6141% | 2,647 |
| Assets per employee ($millions) | 3.6883% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,601 |
| Loan loss allowance to noncurrent loans | 57.0255% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 872 |
| Noncurrent loans to loans | 1.6489% | 1,174 |
| Net loans and leases to total assets | 77.6036% | 1,184 |
| Net loans and leases to deposits | 98.4124% | 737 |
| Net loans and leases to core deposits | 109.4559% | 904 |
| Total domestic deposits to total assets | 78.8555% | 4,851 |
| Equity capital to assets | 12.4882% | 1,542 |
| Core capital (leverage) ratio | 10.9718% | 2,384 |
| Tier 1 risk-based capital ratio | 12.1020% | 4,651 |
| Total risk-based capital ratio | 12.9449% | 4,816 |
| Memoranda: | ||
| Average total assets | $2,591,850,000 | 345 |
| Average earning assets | $2,376,795,000 | 341 |
| Average equity | $321,526,500 | 318 |
| Average total loans | $2,023,847,500 | 315 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6520% | 64 |
| Cost of funding earning assets | 0.5311% | 1,862 |
| Net interest margin | 6.1209% | 60 |
| Noninterest income to average assets | 0.5634% | 2,848 |
| Noninterest expense to average assets | 4.2224% | 480 |
| Loan and lease loss provision to assets | 0.3311% | 537 |
| Net operating income to assets | 1.0235% | 2,245 |
| Return on assets (ROA) | 1.0217% | 2,362 |
| Pretax return on assets | 1.6361% | 1,176 |
| Return on Equity (ROE) | 8.1272% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.1272% | 811 |
| Net charge-offs to loans | 0.2443% | 1,138 |
| Credit loss provision to net charge-offs | 173.6187% | 1,600 |
| Earnings coverage of net charge-offs (x) | 10.3292% | 2,654 |
| Efficiency ratio | 65.7849% | 3,631 |
| Assets per employee ($millions) | 3.7818% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7607% | 5,209 |
| Loan loss allowance to noncurrent loans | 36.9868% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 1.7933% | 823 |
| Noncurrent loans to loans | 2.0567% | 867 |
| Net loans and leases to total assets | 77.2398% | 1,324 |
| Net loans and leases to deposits | 99.0702% | 737 |
| Net loans and leases to core deposits | 109.8071% | 915 |
| Total domestic deposits to total assets | 77.9647% | 4,980 |
| Equity capital to assets | 12.3230% | 1,621 |
| Core capital (leverage) ratio | 11.0155% | 2,322 |
| Tier 1 risk-based capital ratio | 12.2255% | 4,556 |
| Total risk-based capital ratio | 12.9178% | 4,851 |
| Memoranda: | ||
| Average total assets | $2,021,266,200 | 390 |
| Average earning assets | $1,858,797,000 | 387 |
| Average equity | $254,098,600 | 355 |
| Average total loans | $1,577,930,400 | 362 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6381% | 63 |
| Cost of funding earning assets | 0.5333% | 1,852 |
| Net interest margin | 6.1048% | 63 |
| Noninterest income to average assets | 0.5449% | 2,944 |
| Noninterest expense to average assets | 4.3000% | 444 |
| Loan and lease loss provision to assets | 0.3018% | 556 |
| Net operating income to assets | 0.9769% | 2,535 |
| Return on assets (ROA) | 0.9740% | 2,680 |
| Pretax return on assets | 1.5586% | 1,503 |
| Return on Equity (ROE) | 7.6955% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.6955% | 1,317 |
| Net charge-offs to loans | 0.1730% | 1,328 |
| Credit loss provision to net charge-offs | 223.2913% | 1,322 |
| Earnings coverage of net charge-offs (x) | 13.7970% | 2,283 |
| Efficiency ratio | 67.3745% | 3,344 |
| Assets per employee ($millions) | 3.6726% | 4,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7589% | 5,304 |
| Loan loss allowance to noncurrent loans | 36.7608% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.8686% | 869 |
| Noncurrent loans to loans | 2.0645% | 940 |
| Net loans and leases to total assets | 76.6175% | 1,421 |
| Net loans and leases to deposits | 97.1721% | 937 |
| Net loans and leases to core deposits | 106.5240% | 1,145 |
| Total domestic deposits to total assets | 78.8472% | 4,755 |
| Equity capital to assets | 11.0254% | 2,982 |
| Core capital (leverage) ratio | 10.7286% | 2,752 |
| Tier 1 risk-based capital ratio | 10.7280% | 5,509 |
| Total risk-based capital ratio | 11.4239% | 5,684 |
| Memoranda: | ||
| Average total assets | $1,876,115,000 | 414 |
| Average earning assets | $1,727,128,500 | 411 |
| Average equity | $237,466,000 | 376 |
| Average total loans | $1,466,141,500 | 379 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9156% | 61 |
| Cost of funding earning assets | 0.5563% | 1,649 |
| Net interest margin | 6.3593% | 56 |
| Noninterest income to average assets | 0.4566% | 3,479 |
| Noninterest expense to average assets | 4.4187% | 409 |
| Loan and lease loss provision to assets | 0.1636% | 1,381 |
| Net operating income to assets | 1.0991% | 1,958 |
| Return on assets (ROA) | 1.0995% | 2,081 |
| Pretax return on assets | 1.7332% | 1,017 |
| Return on Equity (ROE) | 8.1475% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.1475% | 1,131 |
| Net charge-offs to loans | 0.0343% | 2,762 |
| Credit loss provision to net charge-offs | 606.2780% | 556 |
| Earnings coverage of net charge-offs (x) | 70.2825% | 774 |
| Efficiency ratio | 67.6048% | 3,424 |
| Assets per employee ($millions) | 3.5151% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 4,608 |
| Loan loss allowance to noncurrent loans | 73.1937% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.3742% | 1,436 |
| Noncurrent loans to loans | 1.3406% | 1,678 |
| Net loans and leases to total assets | 80.0802% | 887 |
| Net loans and leases to deposits | 106.7693% | 339 |
| Net loans and leases to core deposits | 120.4357% | 502 |
| Total domestic deposits to total assets | 75.0031% | 5,411 |
| Equity capital to assets | 13.2476% | 1,354 |
| Core capital (leverage) ratio | 12.2555% | 1,486 |
| Tier 1 risk-based capital ratio | 13.1305% | 4,114 |
| Total risk-based capital ratio | 14.0322% | 4,238 |
| Memoranda: | ||
| Average total assets | $1,653,124,330 | 469 |
| Average earning assets | $1,522,881,330 | 460 |
| Average equity | $223,086,000 | 397 |
| Average total loans | $1,299,890,670 | 415 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6211% | 71 |
| Cost of funding earning assets | 0.5655% | 1,578 |
| Net interest margin | 6.0556% | 63 |
| Noninterest income to average assets | 0.6076% | 2,484 |
| Noninterest expense to average assets | 4.4913% | 400 |
| Loan and lease loss provision to assets | -0.1470% | 6,004 |
| Net operating income to assets | 1.1621% | 1,666 |
| Return on assets (ROA) | 1.1628% | 1,775 |
| Pretax return on assets | 1.8331% | 801 |
| Return on Equity (ROE) | 8.5335% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.5335% | 1,252 |
| Net charge-offs to loans | -0.0115% | 4,586 |
| Credit loss provision to net charge-offs | 1,650.0000% | 251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2039% | 3,081 |
| Assets per employee ($millions) | 3.2760% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 4,729 |
| Loan loss allowance to noncurrent loans | 71.2066% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.4410% | 1,436 |
| Noncurrent loans to loans | 1.3711% | 1,734 |
| Net loans and leases to total assets | 75.4152% | 1,483 |
| Net loans and leases to deposits | 96.5087% | 893 |
| Net loans and leases to core deposits | 108.5709% | 940 |
| Total domestic deposits to total assets | 78.1434% | 5,116 |
| Equity capital to assets | 13.8241% | 1,045 |
| Core capital (leverage) ratio | 12.4327% | 1,363 |
| Tier 1 risk-based capital ratio | 14.2644% | 3,520 |
| Total risk-based capital ratio | 15.1471% | 3,692 |
| Memoranda: | ||
| Average total assets | $1,616,725,000 | 476 |
| Average earning assets | $1,486,699,000 | 467 |
| Average equity | $220,307,500 | 398 |
| Average total loans | $1,251,926,500 | 425 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2700% | 51 |
| Cost of funding earning assets | 0.5178% | 2,011 |
| Net interest margin | 6.7522% | 49 |
| Noninterest income to average assets | 0.7380% | 2,033 |
| Noninterest expense to average assets | 4.6450% | 371 |
| Loan and lease loss provision to assets | 0.3044% | 562 |
| Net operating income to assets | 1.2036% | 1,531 |
| Return on assets (ROA) | 1.2147% | 1,569 |
| Pretax return on assets | 1.9201% | 639 |
| Return on Equity (ROE) | 8.7115% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.7115% | 727 |
| Net charge-offs to loans | 0.0718% | 2,809 |
| Credit loss provision to net charge-offs | 562.6087% | 593 |
| Earnings coverage of net charge-offs (x) | 40.7901% | 1,164 |
| Efficiency ratio | 65.1307% | 4,056 |
| Assets per employee ($millions) | 3.3300% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9866% | 4,691 |
| Loan loss allowance to noncurrent loans | 113.3387% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.9390% | 2,322 |
| Noncurrent loans to loans | 0.8704% | 2,610 |
| Net loans and leases to total assets | 77.9341% | 1,129 |
| Net loans and leases to deposits | 100.8012% | 625 |
| Net loans and leases to core deposits | 113.9364% | 683 |
| Total domestic deposits to total assets | 77.3146% | 5,273 |
| Equity capital to assets | 13.4299% | 1,147 |
| Core capital (leverage) ratio | 12.6922% | 1,269 |
| Tier 1 risk-based capital ratio | 13.8524% | 3,801 |
| Total risk-based capital ratio | 14.7592% | 3,940 |
| Memoranda: | ||
| Average total assets | $1,487,606,400 | 481 |
| Average earning assets | $1,347,064,800 | 481 |
| Average equity | $207,427,600 | 405 |
| Average total loans | $1,120,966,000 | 440 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.0512% | 17 |
| Cost of funding earning assets | 0.8676% | 352 |
| Net interest margin | 10.1836% | 17 |
| Noninterest income to average assets | 0.6047% | 2,711 |
| Noninterest expense to average assets | 7.8461% | 117 |
| Loan and lease loss provision to assets | 0.3349% | 409 |
| Net operating income to assets | 1.1160% | 1,939 |
| Return on assets (ROA) | 1.1160% | 2,016 |
| Pretax return on assets | 1.7539% | 984 |
| Return on Equity (ROE) | 7.2341% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.2341% | 1,584 |
| Net charge-offs to loans | 0.1302% | 1,834 |
| Credit loss provision to net charge-offs | 334.0000% | 875 |
| Earnings coverage of net charge-offs (x) | 20.8341% | 1,849 |
| Efficiency ratio | 78.9695% | 1,813 |
| Assets per employee ($millions) | 2.8181% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 4,348 |
| Loan loss allowance to noncurrent loans | 108.5740% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 2,659 |
| Noncurrent loans to loans | 0.9924% | 2,507 |
| Net loans and leases to total assets | 78.7753% | 989 |
| Net loans and leases to deposits | 105.3662% | 392 |
| Net loans and leases to core deposits | 118.1065% | 525 |
| Total domestic deposits to total assets | 74.7634% | 5,642 |
| Equity capital to assets | 13.3271% | 1,300 |
| Core capital (leverage) ratio | 11.7647% | 1,845 |
| Tier 1 risk-based capital ratio | 12.4207% | 4,811 |
| Total risk-based capital ratio | 13.4213% | 4,882 |
| Memoranda: | ||
| Average total assets | $465,460,250 | 1,452 |
| Average earning assets | $426,454,750 | 1,466 |
| Average equity | $71,806,500 | 1,065 |
| Average total loans | $358,286,000 | 1,271 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7032% | 16 |
| Cost of funding earning assets | 0.9060% | 280 |
| Net interest margin | 10.7972% | 16 |
| Noninterest income to average assets | 0.6221% | 2,615 |
| Noninterest expense to average assets | 8.2909% | 106 |
| Loan and lease loss provision to assets | 0.5419% | 175 |
| Net operating income to assets | 1.0123% | 2,327 |
| Return on assets (ROA) | 1.0123% | 2,440 |
| Pretax return on assets | 1.6385% | 1,225 |
| Return on Equity (ROE) | 6.1980% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.1980% | 2,114 |
| Net charge-offs to loans | 0.1818% | 1,365 |
| Credit loss provision to net charge-offs | 392.9766% | 757 |
| Earnings coverage of net charge-offs (x) | 15.8127% | 1,951 |
| Efficiency ratio | 79.1729% | 1,885 |
| Assets per employee ($millions) | 2.4220% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 3,217 |
| Loan loss allowance to noncurrent loans | 122.7067% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 2,635 |
| Noncurrent loans to loans | 1.0633% | 2,517 |
| Net loans and leases to total assets | 77.1927% | 1,179 |
| Net loans and leases to deposits | 96.6312% | 900 |
| Net loans and leases to core deposits | 107.6729% | 978 |
| Total domestic deposits to total assets | 79.8838% | 4,895 |
| Equity capital to assets | 15.1995% | 667 |
| Core capital (leverage) ratio | 13.3009% | 1,052 |
| Tier 1 risk-based capital ratio | 14.2949% | 3,765 |
| Total risk-based capital ratio | 15.5033% | 3,719 |
| Memoranda: | ||
| Average total assets | $433,679,000 | 1,554 |
| Average earning assets | $395,602,330 | 1,565 |
| Average equity | $70,829,000 | 1,088 |
| Average total loans | $328,852,330 | 1,360 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6876% | 16 |
| Cost of funding earning assets | 0.9519% | 223 |
| Net interest margin | 9.7357% | 17 |
| Noninterest income to average assets | 0.5156% | 3,183 |
| Noninterest expense to average assets | 8.5485% | 106 |
| Loan and lease loss provision to assets | -0.1563% | 6,238 |
| Net operating income to assets | 0.5904% | 4,326 |
| Return on assets (ROA) | 0.5904% | 4,423 |
| Pretax return on assets | 0.9817% | 3,564 |
| Return on Equity (ROE) | 3.4751% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.4751% | 3,910 |
| Net charge-offs to loans | 0.0130% | 2,922 |
| Credit loss provision to net charge-offs | -1,610.0000% | 5,094 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 563 |
| Efficiency ratio | 91.1850% | 763 |
| Assets per employee ($millions) | 2.2207% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2794% | 3,523 |
| Loan loss allowance to noncurrent loans | 46.9015% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 2.2839% | 988 |
| Noncurrent loans to loans | 2.7278% | 863 |
| Net loans and leases to total assets | 71.7866% | 1,842 |
| Net loans and leases to deposits | 87.5526% | 1,665 |
| Net loans and leases to core deposits | 99.0253% | 1,391 |
| Total domestic deposits to total assets | 81.9926% | 4,509 |
| Equity capital to assets | 17.1653% | 408 |
| Core capital (leverage) ratio | 14.0505% | 808 |
| Tier 1 risk-based capital ratio | 16.4815% | 2,688 |
| Total risk-based capital ratio | 17.6188% | 2,685 |
| Memoranda: | ||
| Average total assets | $411,955,000 | 1,634 |
| Average earning assets | $374,826,000 | 1,650 |
| Average equity | $69,983,000 | 1,106 |
| Average total loans | $306,690,500 | 1,447 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4940% | 19 |
| Cost of funding earning assets | 0.9401% | 310 |
| Net interest margin | 10.5539% | 19 |
| Noninterest income to average assets | 0.3991% | 4,184 |
| Noninterest expense to average assets | 7.8225% | 112 |
| Loan and lease loss provision to assets | 0.3944% | 453 |
| Net operating income to assets | 1.0891% | 2,018 |
| Return on assets (ROA) | 1.0733% | 2,130 |
| Pretax return on assets | 1.6828% | 1,020 |
| Return on Equity (ROE) | 6.4344% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.4344% | 1,690 |
| Net charge-offs to loans | 0.1664% | 2,369 |
| Credit loss provision to net charge-offs | 313.9721% | 830 |
| Earnings coverage of net charge-offs (x) | 16.6627% | 1,994 |
| Efficiency ratio | 78.8864% | 2,081 |
| Assets per employee ($millions) | 2.3338% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 3,601 |
| Loan loss allowance to noncurrent loans | 48.9758% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 2.6845% | 829 |
| Noncurrent loans to loans | 2.5912% | 963 |
| Net loans and leases to total assets | 75.2021% | 1,381 |
| Net loans and leases to deposits | 93.7553% | 1,100 |
| Net loans and leases to core deposits | 105.5191% | 1,046 |
| Total domestic deposits to total assets | 80.2111% | 4,965 |
| Equity capital to assets | 16.8118% | 439 |
| Core capital (leverage) ratio | 13.0194% | 1,130 |
| Tier 1 risk-based capital ratio | 15.3460% | 3,295 |
| Total risk-based capital ratio | 16.5239% | 3,282 |
| Memoranda: | ||
| Average total assets | $398,850,000 | 1,643 |
| Average earning assets | $359,640,400 | 1,664 |
| Average equity | $66,533,400 | 1,109 |
| Average total loans | $301,093,800 | 1,422 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5284% | 19 |
| Cost of funding earning assets | 0.9344% | 335 |
| Net interest margin | 10.5940% | 19 |
| Noninterest income to average assets | 0.4634% | 3,785 |
| Noninterest expense to average assets | 7.3399% | 131 |
| Loan and lease loss provision to assets | 0.3228% | 579 |
| Net operating income to assets | 1.4878% | 964 |
| Return on assets (ROA) | 1.4662% | 1,033 |
| Pretax return on assets | 2.2939% | 301 |
| Return on Equity (ROE) | 8.8076% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.8076% | 1,058 |
| Net charge-offs to loans | 0.1384% | 2,416 |
| Credit loss provision to net charge-offs | 309.7087% | 889 |
| Earnings coverage of net charge-offs (x) | 25.3139% | 1,511 |
| Efficiency ratio | 73.5558% | 2,889 |
| Assets per employee ($millions) | 2.3693% | 6,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 4,259 |
| Loan loss allowance to noncurrent loans | 42.1818% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 2.8867% | 838 |
| Noncurrent loans to loans | 2.8325% | 973 |
| Net loans and leases to total assets | 72.4250% | 1,777 |
| Net loans and leases to deposits | 88.3095% | 1,629 |
| Net loans and leases to core deposits | 97.6836% | 1,540 |
| Total domestic deposits to total assets | 82.0127% | 4,472 |
| Equity capital to assets | 16.7375% | 467 |
| Core capital (leverage) ratio | 12.8241% | 1,257 |
| Tier 1 risk-based capital ratio | 15.7559% | 3,182 |
| Total risk-based capital ratio | 16.8532% | 3,200 |
| Memoranda: | ||
| Average total assets | $395,292,500 | 1,675 |
| Average earning assets | $355,023,000 | 1,702 |
| Average equity | $65,805,250 | 1,123 |
| Average total loans | $297,707,750 | 1,442 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3992% | 18 |
| Cost of funding earning assets | 0.9246% | 374 |
| Net interest margin | 10.4746% | 19 |
| Noninterest income to average assets | 0.4565% | 3,817 |
| Noninterest expense to average assets | 6.9230% | 139 |
| Loan and lease loss provision to assets | 0.4284% | 387 |
| Net operating income to assets | 1.6201% | 676 |
| Return on assets (ROA) | 1.5879% | 759 |
| Pretax return on assets | 2.4610% | 221 |
| Return on Equity (ROE) | 9.5563% | 2,350 |
| Retained earnings to average equity (ytd only) | 9.5563% | 827 |
| Net charge-offs to loans | 0.1264% | 2,401 |
| Credit loss provision to net charge-offs | 445.7447% | 638 |
| Earnings coverage of net charge-offs (x) | 30.3989% | 1,251 |
| Efficiency ratio | 70.3225% | 3,605 |
| Assets per employee ($millions) | 2.5470% | 6,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 4,788 |
| Loan loss allowance to noncurrent loans | 47.0240% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 2.6616% | 1,010 |
| Noncurrent loans to loans | 2.3957% | 1,324 |
| Net loans and leases to total assets | 75.4917% | 1,236 |
| Net loans and leases to deposits | 98.9384% | 607 |
| Net loans and leases to core deposits | 108.3165% | 754 |
| Total domestic deposits to total assets | 76.3018% | 5,880 |
| Equity capital to assets | 16.0391% | 549 |
| Core capital (leverage) ratio | 13.2761% | 1,056 |
| Tier 1 risk-based capital ratio | 14.6970% | 3,811 |
| Total risk-based capital ratio | 15.7536% | 3,869 |
| Memoranda: | ||
| Average total assets | $391,216,330 | 1,689 |
| Average earning assets | $350,639,670 | 1,714 |
| Average equity | $65,004,000 | 1,126 |
| Average total loans | $297,371,670 | 1,443 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7752% | 15 |
| Cost of funding earning assets | 0.9556% | 329 |
| Net interest margin | 10.8196% | 16 |
| Noninterest income to average assets | 0.4694% | 3,635 |
| Noninterest expense to average assets | 6.8020% | 148 |
| Loan and lease loss provision to assets | 0.3438% | 520 |
| Net operating income to assets | 1.9660% | 359 |
| Return on assets (ROA) | 1.9439% | 389 |
| Pretax return on assets | 2.9744% | 142 |
| Return on Equity (ROE) | 11.4808% | 1,550 |
| Retained earnings to average equity (ytd only) | 11.4808% | 676 |
| Net charge-offs to loans | 0.0807% | 2,346 |
| Credit loss provision to net charge-offs | 562.0690% | 497 |
| Earnings coverage of net charge-offs (x) | 54.6034% | 706 |
| Efficiency ratio | 67.0653% | 4,351 |
| Assets per employee ($millions) | 2.6646% | 6,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1049% | 5,094 |
| Loan loss allowance to noncurrent loans | 43.4350% | 5,463 |
| Noncurrent assets plus other real estate owned to assets | 3.1342% | 878 |
| Noncurrent loans to loans | 2.5437% | 1,357 |
| Net loans and leases to total assets | 74.3923% | 1,207 |
| Net loans and leases to deposits | 97.3218% | 581 |
| Net loans and leases to core deposits | 107.2820% | 708 |
| Total domestic deposits to total assets | 76.4395% | 6,032 |
| Equity capital to assets | 16.9897% | 399 |
| Core capital (leverage) ratio | 14.0491% | 808 |
| Tier 1 risk-based capital ratio | 15.8481% | 3,247 |
| Total risk-based capital ratio | 16.8602% | 3,337 |
| Memoranda: | ||
| Average total assets | $379,241,500 | 1,739 |
| Average earning assets | $339,050,500 | 1,779 |
| Average equity | $64,211,500 | 1,137 |
| Average total loans | $287,564,000 | 1,492 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6114% | 21 |
| Cost of funding earning assets | 1.0792% | 317 |
| Net interest margin | 9.5321% | 24 |
| Noninterest income to average assets | 0.4994% | 3,761 |
| Noninterest expense to average assets | 6.4039% | 172 |
| Loan and lease loss provision to assets | 0.7736% | 280 |
| Net operating income to assets | 1.2896% | 1,275 |
| Return on assets (ROA) | 1.1056% | 1,984 |
| Pretax return on assets | 1.6396% | 1,075 |
| Return on Equity (ROE) | 6.3586% | 3,891 |
| Retained earnings to average equity (ytd only) | 6.3586% | 1,768 |
| Net charge-offs to loans | 0.6583% | 986 |
| Credit loss provision to net charge-offs | 159.7239% | 1,434 |
| Earnings coverage of net charge-offs (x) | 5.3625% | 3,320 |
| Efficiency ratio | 71.1453% | 3,641 |
| Assets per employee ($millions) | 2.6581% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 5,467 |
| Loan loss allowance to noncurrent loans | 31.7431% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 3.6829% | 765 |
| Noncurrent loans to loans | 3.2119% | 1,045 |
| Net loans and leases to total assets | 75.6637% | 1,124 |
| Net loans and leases to deposits | 98.6636% | 555 |
| Net loans and leases to core deposits | 107.5883% | 715 |
| Total domestic deposits to total assets | 76.6886% | 6,027 |
| Equity capital to assets | 16.8720% | 406 |
| Core capital (leverage) ratio | 13.5557% | 938 |
| Tier 1 risk-based capital ratio | 15.4669% | 3,396 |
| Total risk-based capital ratio | 16.4069% | 3,518 |
| Memoranda: | ||
| Average total assets | $343,979,000 | 1,877 |
| Average earning assets | $306,793,600 | 1,929 |
| Average equity | $59,808,400 | 1,202 |
| Average total loans | $253,087,200 | 1,641 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5516% | 22 |
| Cost of funding earning assets | 1.0959% | 320 |
| Net interest margin | 9.4557% | 25 |
| Noninterest income to average assets | 0.5682% | 3,345 |
| Noninterest expense to average assets | 6.3014% | 178 |
| Loan and lease loss provision to assets | 0.9337% | 185 |
| Net operating income to assets | 1.2366% | 1,515 |
| Return on assets (ROA) | 0.9944% | 2,485 |
| Pretax return on assets | 1.5166% | 1,557 |
| Return on Equity (ROE) | 5.6723% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.6723% | 2,619 |
| Net charge-offs to loans | 0.8455% | 694 |
| Credit loss provision to net charge-offs | 151.7397% | 1,553 |
| Earnings coverage of net charge-offs (x) | 4.3756% | 3,457 |
| Efficiency ratio | 70.0626% | 3,751 |
| Assets per employee ($millions) | 2.5862% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 5,602 |
| Loan loss allowance to noncurrent loans | 30.0882% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 3.8692% | 828 |
| Noncurrent loans to loans | 3.4176% | 1,132 |
| Net loans and leases to total assets | 73.0672% | 1,439 |
| Net loans and leases to deposits | 89.4462% | 1,224 |
| Net loans and leases to core deposits | 95.9293% | 1,400 |
| Total domestic deposits to total assets | 81.6884% | 5,032 |
| Equity capital to assets | 17.2211% | 394 |
| Core capital (leverage) ratio | 13.2798% | 1,105 |
| Tier 1 risk-based capital ratio | 16.0209% | 3,181 |
| Total risk-based capital ratio | 16.9679% | 3,295 |
| Memoranda: | ||
| Average total assets | $336,277,250 | 1,922 |
| Average earning assets | $299,649,000 | 1,989 |
| Average equity | $58,952,000 | 1,228 |
| Average total loans | $244,734,500 | 1,698 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0546% | 25 |
| Cost of funding earning assets | 1.0724% | 382 |
| Net interest margin | 8.9823% | 26 |
| Noninterest income to average assets | 0.4767% | 3,981 |
| Noninterest expense to average assets | 6.3158% | 185 |
| Loan and lease loss provision to assets | 0.3780% | 855 |
| Net operating income to assets | 1.2948% | 1,333 |
| Return on assets (ROA) | 0.9375% | 2,769 |
| Pretax return on assets | 1.4360% | 1,820 |
| Return on Equity (ROE) | 5.3134% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.3134% | 2,859 |
| Net charge-offs to loans | 0.0816% | 3,553 |
| Credit loss provision to net charge-offs | 640.2062% | 460 |
| Earnings coverage of net charge-offs (x) | 36.7732% | 986 |
| Efficiency ratio | 74.4154% | 3,047 |
| Assets per employee ($millions) | 2.6514% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 6,100 |
| Loan loss allowance to noncurrent loans | 25.2343% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 4.0269% | 854 |
| Noncurrent loans to loans | 3.6122% | 1,145 |
| Net loans and leases to total assets | 74.9650% | 1,112 |
| Net loans and leases to deposits | 95.4425% | 710 |
| Net loans and leases to core deposits | 100.3788% | 1,050 |
| Total domestic deposits to total assets | 78.5446% | 5,875 |
| Equity capital to assets | 17.1529% | 402 |
| Core capital (leverage) ratio | 13.4508% | 998 |
| Tier 1 risk-based capital ratio | 15.6338% | 3,404 |
| Total risk-based capital ratio | 16.4927% | 3,591 |
| Memoranda: | ||
| Average total assets | $328,542,000 | 1,978 |
| Average earning assets | $292,999,670 | 2,028 |
| Average equity | $57,967,000 | 1,252 |
| Average total loans | $237,848,330 | 1,737 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7723% | 26 |
| Cost of funding earning assets | 1.1005% | 373 |
| Net interest margin | 8.6718% | 27 |
| Noninterest income to average assets | 0.5635% | 3,352 |
| Noninterest expense to average assets | 6.5488% | 172 |
| Loan and lease loss provision to assets | 0.4810% | 563 |
| Net operating income to assets | 1.0140% | 2,169 |
| Return on assets (ROA) | 0.3046% | 5,676 |
| Pretax return on assets | 0.4950% | 5,280 |
| Return on Equity (ROE) | 1.6997% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.6997% | 5,132 |
| Net charge-offs to loans | 0.1637% | 2,419 |
| Credit loss provision to net charge-offs | 416.4835% | 622 |
| Earnings coverage of net charge-offs (x) | 14.5934% | 1,446 |
| Efficiency ratio | 79.5314% | 2,397 |
| Assets per employee ($millions) | 2.6980% | 6,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,139 |
| Loan loss allowance to noncurrent loans | 20.2599% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 4.7873% | 777 |
| Noncurrent loans to loans | 4.6799% | 861 |
| Net loans and leases to total assets | 70.2677% | 1,620 |
| Net loans and leases to deposits | 86.8468% | 1,264 |
| Net loans and leases to core deposits | 89.9648% | 1,697 |
| Total domestic deposits to total assets | 80.9099% | 5,524 |
| Equity capital to assets | 18.0137% | 338 |
| Core capital (leverage) ratio | 14.3166% | 712 |
| Tier 1 risk-based capital ratio | 16.9959% | 2,752 |
| Total risk-based capital ratio | 17.8787% | 2,903 |
| Memoranda: | ||
| Average total assets | $315,172,000 | 2,081 |
| Average earning assets | $278,789,000 | 2,162 |
| Average equity | $56,480,000 | 1,292 |
| Average total loans | $222,379,000 | 1,853 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5868% | 25 |
| Cost of funding earning assets | 1.4594% | 198 |
| Net interest margin | 9.1273% | 26 |
| Noninterest income to average assets | 0.9133% | 1,824 |
| Noninterest expense to average assets | 6.3673% | 193 |
| Loan and lease loss provision to assets | 0.6132% | 890 |
| Net operating income to assets | 3.9550% | 62 |
| Return on assets (ROA) | 3.9550% | 64 |
| Pretax return on assets | 2.1454% | 453 |
| Return on Equity (ROE) | 24.0055% | 153 |
| Retained earnings to average equity (ytd only) | 24.0055% | 37 |
| Net charge-offs to loans | 0.1242% | 4,437 |
| Credit loss provision to net charge-offs | 736.8644% | 338 |
| Earnings coverage of net charge-offs (x) | 33.1483% | 940 |
| Efficiency ratio | 66.1090% | 4,481 |
| Assets per employee ($millions) | 2.6891% | 6,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9117% | 6,242 |
| Loan loss allowance to noncurrent loans | 18.9960% | 6,417 |
| Noncurrent assets plus other real estate owned to assets | 4.9432% | 787 |
| Noncurrent loans to loans | 4.7995% | 853 |
| Net loans and leases to total assets | 69.5006% | 1,941 |
| Net loans and leases to deposits | 91.6504% | 941 |
| Net loans and leases to core deposits | 95.0781% | 1,382 |
| Total domestic deposits to total assets | 75.8323% | 6,376 |
| Equity capital to assets | 17.8184% | 339 |
| Core capital (leverage) ratio | 15.2145% | 543 |
| Tier 1 risk-based capital ratio | 18.6500% | 2,057 |
| Total risk-based capital ratio | 19.5000% | 2,139 |
| Memoranda: | ||
| Average total assets | $283,589,200 | 2,244 |
| Average earning assets | $255,167,400 | 2,274 |
| Average equity | $46,722,600 | 1,494 |
| Average total loans | $189,995,600 | 2,094 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.6629% | 22 |
| Cost of funding earning assets | 1.5551% | 154 |
| Net interest margin | 9.1077% | 26 |
| Noninterest income to average assets | 0.6304% | 3,109 |
| Noninterest expense to average assets | 6.4929% | 176 |
| Loan and lease loss provision to assets | 0.7617% | 639 |
| Net operating income to assets | 4.3305% | 59 |
| Return on assets (ROA) | 4.3305% | 61 |
| Pretax return on assets | 1.6404% | 1,451 |
| Return on Equity (ROE) | 26.8754% | 113 |
| Retained earnings to average equity (ytd only) | 26.8754% | 45 |
| Net charge-offs to loans | 0.1018% | 4,376 |
| Credit loss provision to net charge-offs | 1,131.2057% | 248 |
| Earnings coverage of net charge-offs (x) | 35.6729% | 956 |
| Efficiency ratio | 68.1843% | 4,021 |
| Assets per employee ($millions) | 2.6974% | 6,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 6,251 |
| Loan loss allowance to noncurrent loans | 15.3287% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 5.1363% | 859 |
| Noncurrent loans to loans | 6.1871% | 642 |
| Net loans and leases to total assets | 68.5623% | 2,204 |
| Net loans and leases to deposits | 93.3878% | 838 |
| Net loans and leases to core deposits | 95.7960% | 1,426 |
| Total domestic deposits to total assets | 73.4167% | 6,645 |
| Equity capital to assets | 18.1650% | 349 |
| Core capital (leverage) ratio | 14.9460% | 617 |
| Tier 1 risk-based capital ratio | 18.7099% | 2,101 |
| Total risk-based capital ratio | 19.5981% | 2,186 |
| Memoranda: | ||
| Average total assets | $279,190,750 | 2,302 |
| Average earning assets | $253,346,750 | 2,313 |
| Average equity | $44,986,750 | 1,563 |
| Average total loans | $184,682,000 | 2,173 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9091% | 21 |
| Cost of funding earning assets | 1.7029% | 102 |
| Net interest margin | 9.2062% | 23 |
| Noninterest income to average assets | 0.6326% | 3,058 |
| Noninterest expense to average assets | 5.8380% | 232 |
| Loan and lease loss provision to assets | 0.9894% | 448 |
| Net operating income to assets | 2.2004% | 283 |
| Return on assets (ROA) | 2.2004% | 320 |
| Pretax return on assets | 2.2423% | 458 |
| Return on Equity (ROE) | 14.2818% | 1,052 |
| Retained earnings to average equity (ytd only) | 14.2818% | 324 |
| Net charge-offs to loans | 0.1198% | 3,976 |
| Credit loss provision to net charge-offs | 1,268.5185% | 253 |
| Earnings coverage of net charge-offs (x) | 41.4352% | 852 |
| Efficiency ratio | 59.7500% | 5,617 |
| Assets per employee ($millions) | 3.1896% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8210% | 6,633 |
| Loan loss allowance to noncurrent loans | 14.0067% | 6,658 |
| Noncurrent assets plus other real estate owned to assets | 4.8960% | 983 |
| Noncurrent loans to loans | 5.8613% | 770 |
| Net loans and leases to total assets | 70.1304% | 1,898 |
| Net loans and leases to deposits | 88.4047% | 1,332 |
| Net loans and leases to core deposits | 90.6516% | 1,913 |
| Total domestic deposits to total assets | 79.3287% | 5,893 |
| Equity capital to assets | 15.7460% | 634 |
| Core capital (leverage) ratio | 13.5784% | 950 |
| Tier 1 risk-based capital ratio | 17.4386% | 2,494 |
| Total risk-based capital ratio | 18.2129% | 2,646 |
| Memoranda: | ||
| Average total assets | $276,946,330 | 2,319 |
| Average earning assets | $253,807,330 | 2,322 |
| Average equity | $42,669,670 | 1,635 |
| Average total loans | $180,271,670 | 2,226 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4233% | 24 |
| Cost of funding earning assets | 1.9926% | 50 |
| Net interest margin | 8.4308% | 29 |
| Noninterest income to average assets | 0.4484% | 4,301 |
| Noninterest expense to average assets | 5.1767% | 330 |
| Loan and lease loss provision to assets | 1.9579% | 148 |
| Net operating income to assets | 1.1158% | 2,007 |
| Return on assets (ROA) | 1.1158% | 2,192 |
| Pretax return on assets | 1.1158% | 3,260 |
| Return on Equity (ROE) | 7.3288% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.3288% | 2,265 |
| Net charge-offs to loans | 0.3123% | 2,403 |
| Credit loss provision to net charge-offs | 1,009.9237% | 337 |
| Earnings coverage of net charge-offs (x) | 15.8550% | 1,397 |
| Efficiency ratio | 58.0269% | 5,915 |
| Assets per employee ($millions) | 3.4691% | 5,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 6,748 |
| Loan loss allowance to noncurrent loans | 12.8737% | 6,720 |
| Noncurrent assets plus other real estate owned to assets | 5.1838% | 985 |
| Noncurrent loans to loans | 6.1908% | 801 |
| Net loans and leases to total assets | 69.8155% | 1,783 |
| Net loans and leases to deposits | 88.0437% | 1,156 |
| Net loans and leases to core deposits | 90.1400% | 1,842 |
| Total domestic deposits to total assets | 79.2964% | 6,014 |
| Equity capital to assets | 14.6043% | 834 |
| Core capital (leverage) ratio | 13.2667% | 1,035 |
| Tier 1 risk-based capital ratio | 16.7068% | 2,808 |
| Total risk-based capital ratio | 17.4681% | 3,020 |
| Memoranda: | ||
| Average total assets | $270,290,500 | 2,381 |
| Average earning assets | $250,131,000 | 2,364 |
| Average equity | $41,152,500 | 1,689 |
| Average total loans | $167,785,500 | 2,388 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 3,375 |
| Cost of funding earning assets | 1.6703% | 363 |
| Net interest margin | 3.2265% | 6,022 |
| Noninterest income to average assets | -0.7866% | 7,306 |
| Noninterest expense to average assets | 3.1694% | 2,969 |
| Loan and lease loss provision to assets | 0.3052% | 3,226 |
| Net operating income to assets | -1.2485% | 6,835 |
| Return on assets (ROA) | -1.2485% | 6,857 |
| Pretax return on assets | -1.2485% | 6,826 |
| Return on Equity (ROE) | -7.9244% | 6,673 |
| Retained earnings to average equity (ytd only) | -7.9244% | 6,620 |
| Net charge-offs to loans | 0.2643% | 4,119 |
| Credit loss provision to net charge-offs | 218.9655% | 1,112 |
| Earnings coverage of net charge-offs (x) | -6.7672% | 6,376 |
| Efficiency ratio | 142.3714% | 165 |
| Assets per employee ($millions) | 6.8282% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3182% | 7,210 |
| Loan loss allowance to noncurrent loans | 5.6611% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 3.6933% | 1,587 |
| Noncurrent loans to loans | 5.6209% | 932 |
| Net loans and leases to total assets | 52.4487% | 5,243 |
| Net loans and leases to deposits | 64.4750% | 4,946 |
| Net loans and leases to core deposits | 66.2022% | 5,234 |
| Total domestic deposits to total assets | 81.3473% | 5,348 |
| Equity capital to assets | 15.9330% | 584 |
| Core capital (leverage) ratio | 15.0074% | 604 |
| Tier 1 risk-based capital ratio | 24.1486% | 953 |
| Total risk-based capital ratio | 24.4426% | 1,059 |
| Memoranda: | ||
| Average total assets | $249,667,000 | 2,529 |
| Average earning assets | $233,128,400 | 2,472 |
| Average equity | $39,334,000 | 1,717 |
| Average total loans | $131,689,800 | 2,959 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9478% | 3,339 |
| Cost of funding earning assets | 1.7325% | 347 |
| Net interest margin | 3.2153% | 6,125 |
| Noninterest income to average assets | -1.0820% | 7,406 |
| Noninterest expense to average assets | 3.1297% | 3,057 |
| Loan and lease loss provision to assets | 0.3160% | 3,007 |
| Net operating income to assets | -1.5356% | 7,050 |
| Return on assets (ROA) | -1.5356% | 7,062 |
| Pretax return on assets | -1.5356% | 7,025 |
| Return on Equity (ROE) | -9.7754% | 6,884 |
| Retained earnings to average equity (ytd only) | -9.7754% | 6,848 |
| Net charge-offs to loans | 0.3856% | 3,192 |
| Credit loss provision to net charge-offs | 155.2632% | 2,003 |
| Earnings coverage of net charge-offs (x) | -5.9921% | 6,112 |
| Efficiency ratio | 163.8531% | 105 |
| Assets per employee ($millions) | 6.4527% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1783% | 7,337 |
| Loan loss allowance to noncurrent loans | 2.9467% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 3.7579% | 1,659 |
| Noncurrent loans to loans | 6.0516% | 921 |
| Net loans and leases to total assets | 51.3472% | 5,533 |
| Net loans and leases to deposits | 62.1547% | 5,383 |
| Net loans and leases to core deposits | 64.3423% | 5,582 |
| Total domestic deposits to total assets | 82.6120% | 4,831 |
| Equity capital to assets | 16.9842% | 485 |
| Core capital (leverage) ratio | 14.7977% | 704 |
| Tier 1 risk-based capital ratio | 25.3495% | 879 |
| Total risk-based capital ratio | 25.5081% | 970 |
| Memoranda: | ||
| Average total assets | $248,922,500 | 2,543 |
| Average earning assets | $231,638,000 | 2,490 |
| Average equity | $39,104,000 | 1,731 |
| Average total loans | $131,379,250 | 2,984 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0078% | 3,121 |
| Cost of funding earning assets | 1.7561% | 373 |
| Net interest margin | 3.2516% | 5,999 |
| Noninterest income to average assets | -1.0630% | 7,483 |
| Noninterest expense to average assets | 3.2840% | 2,621 |
| Loan and lease loss provision to assets | 0.0380% | 5,839 |
| Net operating income to assets | -1.3792% | 7,062 |
| Return on assets (ROA) | -1.3792% | 7,070 |
| Pretax return on assets | -1.3792% | 7,024 |
| Return on Equity (ROE) | -9.0104% | 6,903 |
| Retained earnings to average equity (ytd only) | -9.0104% | 6,826 |
| Net charge-offs to loans | -0.0864% | 7,131 |
| Credit loss provision to net charge-offs | -82.7586% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.0330% | 99 |
| Assets per employee ($millions) | 6.7404% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0937% | 7,425 |
| Loan loss allowance to noncurrent loans | 1.4763% | 7,004 |
| Noncurrent assets plus other real estate owned to assets | 4.1124% | 1,555 |
| Noncurrent loans to loans | 6.3457% | 898 |
| Net loans and leases to total assets | 49.1778% | 5,923 |
| Net loans and leases to deposits | 59.0573% | 5,815 |
| Net loans and leases to core deposits | 61.1856% | 5,977 |
| Total domestic deposits to total assets | 83.2714% | 4,647 |
| Equity capital to assets | 16.3329% | 569 |
| Core capital (leverage) ratio | 14.4118% | 782 |
| Tier 1 risk-based capital ratio | 25.1875% | 889 |
| Total risk-based capital ratio | 25.2691% | 988 |
| Memoranda: | ||
| Average total assets | $252,313,000 | 2,519 |
| Average earning assets | $233,237,670 | 2,501 |
| Average equity | $38,622,000 | 1,737 |
| Average total loans | $134,235,330 | 2,959 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6269% | 1,011 |
| Cost of funding earning assets | 1.7858% | 398 |
| Net interest margin | 3.8411% | 3,412 |
| Noninterest income to average assets | 0.0646% | 7,068 |
| Noninterest expense to average assets | 3.2769% | 2,634 |
| Loan and lease loss provision to assets | 0.0063% | 5,800 |
| Net operating income to assets | 0.2869% | 5,474 |
| Return on assets (ROA) | 0.2869% | 5,543 |
| Pretax return on assets | 0.2869% | 5,694 |
| Return on Equity (ROE) | 1.9379% | 5,810 |
| Retained earnings to average equity (ytd only) | 1.9379% | 4,962 |
| Net charge-offs to loans | -0.0286% | 6,695 |
| Credit loss provision to net charge-offs | -40.0000% | 5,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7881% | 1,180 |
| Assets per employee ($millions) | 6.4226% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0169% | 7,499 |
| Loan loss allowance to noncurrent loans | 0.1750% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 10.2949% | 389 |
| Noncurrent loans to loans | 9.6833% | 429 |
| Net loans and leases to total assets | 52.8351% | 5,480 |
| Net loans and leases to deposits | 62.2514% | 5,468 |
| Net loans and leases to core deposits | 64.5299% | 5,675 |
| Total domestic deposits to total assets | 84.8738% | 4,094 |
| Equity capital to assets | 14.6509% | 839 |
| Core capital (leverage) ratio | 13.2969% | 1,027 |
| Tier 1 risk-based capital ratio | 20.5465% | 1,465 |
| Total risk-based capital ratio | 20.5609% | 1,700 |
| Memoranda: | ||
| Average total assets | $253,773,000 | 2,536 |
| Average earning assets | $231,600,000 | 2,526 |
| Average equity | $37,566,500 | 1,769 |
| Average total loans | $139,972,500 | 2,889 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8448% | 7,604 |
| Cost of funding earning assets | 0.2892% | 7,515 |
| Net interest margin | 0.5556% | 7,604 |
| Noninterest income to average assets | 0.0152% | 7,227 |
| Noninterest expense to average assets | 0.4693% | 7,614 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0635% | 5,667 |
| Return on assets (ROA) | 0.0635% | 5,813 |
| Pretax return on assets | 0.0635% | 5,773 |
| Return on Equity (ROE) | 0.5982% | 5,812 |
| Retained earnings to average equity (ytd only) | 0.5982% | 5,285 |
| Net charge-offs to loans | -0.0053% | 7,269 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0861% | 1,478 |
| Assets per employee ($millions) | 6.9623% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0062% | 7,579 |
| Loan loss allowance to noncurrent loans | 0.0500% | 7,154 |
| Noncurrent assets plus other real estate owned to assets | 11.4574% | 314 |
| Noncurrent loans to loans | 12.4880% | 259 |
| Net loans and leases to total assets | 57.5233% | 5,106 |
| Net loans and leases to deposits | 68.0045% | 5,105 |
| Net loans and leases to core deposits | 70.7982% | 5,358 |
| Total domestic deposits to total assets | 84.5875% | 4,062 |
| Equity capital to assets | 14.9592% | 798 |
| Core capital (leverage) ratio | 13.1657% | 1,072 |
| Tier 1 risk-based capital ratio | 20.0888% | 1,471 |
| Total risk-based capital ratio | 20.0944% | 1,725 |
| Memoranda: | ||
| Average total assets | $244,202,600 | 2,602 |
| Average earning assets | $227,505,400 | 2,549 |
| Average equity | $25,912,000 | 2,465 |
| Average total loans | $168,642,800 | 2,486 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0548% | 837 |
| Cost of funding earning assets | 2.3433% | 234 |
| Net interest margin | 3.7115% | 4,348 |
| Noninterest income to average assets | 0.1979% | 6,478 |
| Noninterest expense to average assets | 3.4169% | 2,243 |
| Loan and lease loss provision to assets | 0.2110% | 4,957 |
| Net operating income to assets | 0.1297% | 5,691 |
| Return on assets (ROA) | 0.3182% | 5,261 |
| Pretax return on assets | 0.2292% | 5,664 |
| Return on Equity (ROE) | 3.3540% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.3540% | 4,087 |
| Net charge-offs to loans | 0.0610% | 5,899 |
| Credit loss provision to net charge-offs | 480.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 5.7252% | 2,691 |
| Efficiency ratio | 92.6592% | 1,072 |
| Assets per employee ($millions) | 7.2832% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 2,812 |
| Loan loss allowance to noncurrent loans | 10.7221% | 7,172 |
| Noncurrent assets plus other real estate owned to assets | 15.7877% | 128 |
| Noncurrent loans to loans | 16.7312% | 125 |
| Net loans and leases to total assets | 67.9433% | 3,229 |
| Net loans and leases to deposits | 75.7666% | 4,220 |
| Net loans and leases to core deposits | 79.0197% | 4,660 |
| Total domestic deposits to total assets | 89.6745% | 1,032 |
| Equity capital to assets | 9.7464% | 4,477 |
| Core capital (leverage) ratio | 9.0545% | 4,597 |
| Tier 1 risk-based capital ratio | 12.4351% | 5,046 |
| Total risk-based capital ratio | 13.6903% | 5,009 |
| Memoranda: | ||
| Average total assets | $242,593,000 | 2,659 |
| Average earning assets | $226,857,250 | 2,591 |
| Average equity | $23,016,500 | 2,804 |
| Average total loans | $174,757,000 | 2,449 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9927% | 966 |
| Cost of funding earning assets | 2.3555% | 283 |
| Net interest margin | 3.6373% | 4,644 |
| Noninterest income to average assets | 0.2277% | 6,287 |
| Noninterest expense to average assets | 3.3656% | 2,354 |
| Loan and lease loss provision to assets | 0.3830% | 3,421 |
| Net operating income to assets | 0.0773% | 5,930 |
| Return on assets (ROA) | 0.3592% | 5,092 |
| Pretax return on assets | 0.1660% | 5,852 |
| Return on Equity (ROE) | 3.8199% | 4,870 |
| Retained earnings to average equity (ytd only) | 3.8199% | 3,661 |
| Net charge-offs to loans | 0.0563% | 5,604 |
| Credit loss provision to net charge-offs | 932.0000% | 397 |
| Earnings coverage of net charge-offs (x) | 6.5000% | 2,449 |
| Efficiency ratio | 91.9231% | 1,191 |
| Assets per employee ($millions) | 7.3335% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 2,719 |
| Loan loss allowance to noncurrent loans | 13.9446% | 7,171 |
| Noncurrent assets plus other real estate owned to assets | 13.0425% | 218 |
| Noncurrent loans to loans | 12.9003% | 235 |
| Net loans and leases to total assets | 67.7612% | 3,435 |
| Net loans and leases to deposits | 75.1552% | 4,492 |
| Net loans and leases to core deposits | 78.5563% | 4,860 |
| Total domestic deposits to total assets | 90.1616% | 837 |
| Equity capital to assets | 9.3050% | 4,997 |
| Core capital (leverage) ratio | 8.9805% | 4,632 |
| Tier 1 risk-based capital ratio | 11.8976% | 5,406 |
| Total risk-based capital ratio | 13.1530% | 5,374 |
| Memoranda: | ||
| Average total assets | $243,342,000 | 2,675 |
| Average earning assets | $227,809,000 | 2,601 |
| Average equity | $22,880,330 | 2,812 |
| Average total loans | $177,582,000 | 2,445 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8317% | 1,371 |
| Cost of funding earning assets | 2.3908% | 311 |
| Net interest margin | 3.4408% | 5,421 |
| Noninterest income to average assets | 0.0949% | 7,230 |
| Noninterest expense to average assets | 3.2071% | 2,831 |
| Loan and lease loss provision to assets | 0.1581% | 4,952 |
| Net operating income to assets | -0.0273% | 6,344 |
| Return on assets (ROA) | 0.3495% | 5,203 |
| Pretax return on assets | 0.5292% | 4,859 |
| Return on Equity (ROE) | 3.6972% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.6972% | 3,938 |
| Net charge-offs to loans | 0.0776% | 4,642 |
| Credit loss provision to net charge-offs | 271.4286% | 1,460 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 3,540 |
| Efficiency ratio | 95.6935% | 1,044 |
| Assets per employee ($millions) | 7.2530% | 737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5349% | 3,724 |
| Loan loss allowance to noncurrent loans | 10.2819% | 7,328 |
| Noncurrent assets plus other real estate owned to assets | 14.3352% | 155 |
| Noncurrent loans to loans | 14.9286% | 183 |
| Net loans and leases to total assets | 73.4094% | 2,106 |
| Net loans and leases to deposits | 81.5828% | 3,357 |
| Net loans and leases to core deposits | 85.2220% | 4,004 |
| Total domestic deposits to total assets | 89.9815% | 995 |
| Equity capital to assets | 9.4737% | 4,575 |
| Core capital (leverage) ratio | 9.0334% | 4,504 |
| Tier 1 risk-based capital ratio | 11.5321% | 5,645 |
| Total risk-based capital ratio | 12.7850% | 5,617 |
| Memoranda: | ||
| Average total assets | $240,343,500 | 2,761 |
| Average earning assets | $225,527,000 | 2,682 |
| Average equity | $22,720,000 | 2,848 |
| Average total loans | $180,348,000 | 2,484 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8576% | 343 |
| Cost of funding earning assets | 3.2049% | 125 |
| Net interest margin | 3.6527% | 4,344 |
| Noninterest income to average assets | -0.4566% | 7,933 |
| Noninterest expense to average assets | 3.2188% | 3,315 |
| Loan and lease loss provision to assets | 2.2166% | 936 |
| Net operating income to assets | -1.5193% | 6,869 |
| Return on assets (ROA) | -1.4401% | 6,833 |
| Pretax return on assets | -2.2640% | 7,046 |
| Return on Equity (ROE) | -14.5461% | 6,912 |
| Retained earnings to average equity (ytd only) | -14.5461% | 6,857 |
| Net charge-offs to loans | 3.1018% | 664 |
| Credit loss provision to net charge-offs | 92.3718% | 5,926 |
| Earnings coverage of net charge-offs (x) | -0.0714% | 6,297 |
| Efficiency ratio | 104.7846% | 932 |
| Assets per employee ($millions) | 6.8954% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4699% | 3,894 |
| Loan loss allowance to noncurrent loans | 17.0507% | 7,182 |
| Noncurrent assets plus other real estate owned to assets | 9.4183% | 423 |
| Noncurrent loans to loans | 8.6210% | 552 |
| Net loans and leases to total assets | 74.4074% | 2,165 |
| Net loans and leases to deposits | 82.6061% | 3,519 |
| Net loans and leases to core deposits | 120.9383% | 1,883 |
| Total domestic deposits to total assets | 90.0750% | 924 |
| Equity capital to assets | 9.4328% | 4,511 |
| Core capital (leverage) ratio | 8.5630% | 5,164 |
| Tier 1 risk-based capital ratio | 11.1237% | 5,804 |
| Total risk-based capital ratio | 12.3759% | 5,753 |
| Memoranda: | ||
| Average total assets | $255,125,000 | 2,566 |
| Average earning assets | $244,751,400 | 2,455 |
| Average equity | $25,257,600 | 2,586 |
| Average total loans | $197,367,400 | 2,318 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8732% | 373 |
| Cost of funding earning assets | 3.3766% | 105 |
| Net interest margin | 3.4965% | 4,874 |
| Noninterest income to average assets | -0.1619% | 7,958 |
| Noninterest expense to average assets | 3.0526% | 3,832 |
| Loan and lease loss provision to assets | 0.9833% | 1,949 |
| Net operating income to assets | -0.5479% | 6,476 |
| Return on assets (ROA) | -0.4404% | 6,366 |
| Pretax return on assets | -0.6672% | 6,457 |
| Return on Equity (ROE) | -4.3996% | 6,388 |
| Retained earnings to average equity (ytd only) | -4.3996% | 6,172 |
| Net charge-offs to loans | 0.7596% | 2,458 |
| Credit loss provision to net charge-offs | 166.4049% | 2,825 |
| Earnings coverage of net charge-offs (x) | 0.2592% | 5,757 |
| Efficiency ratio | 94.4346% | 1,375 |
| Assets per employee ($millions) | 6.7790% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0185% | 1,760 |
| Loan loss allowance to noncurrent loans | 20.3225% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 9.6854% | 366 |
| Noncurrent loans to loans | 9.9322% | 403 |
| Net loans and leases to total assets | 75.6134% | 2,071 |
| Net loans and leases to deposits | 84.6198% | 3,548 |
| Net loans and leases to core deposits | 127.1990% | 1,638 |
| Total domestic deposits to total assets | 89.3566% | 1,036 |
| Equity capital to assets | 10.1682% | 3,884 |
| Core capital (leverage) ratio | 9.9204% | 3,376 |
| Tier 1 risk-based capital ratio | 12.7355% | 4,363 |
| Total risk-based capital ratio | 13.9946% | 4,306 |
| Memoranda: | ||
| Average total assets | $258,571,500 | 2,541 |
| Average earning assets | $249,040,250 | 2,437 |
| Average equity | $25,880,750 | 2,560 |
| Average total loans | $201,146,000 | 2,309 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9144% | 370 |
| Cost of funding earning assets | 3.5330% | 101 |
| Net interest margin | 3.3814% | 5,247 |
| Noninterest income to average assets | -0.2497% | 8,081 |
| Noninterest expense to average assets | 3.0993% | 3,707 |
| Loan and lease loss provision to assets | 0.9343% | 1,805 |
| Net operating income to assets | -0.6736% | 6,727 |
| Return on assets (ROA) | -0.5139% | 6,571 |
| Pretax return on assets | -0.7788% | 6,670 |
| Return on Equity (ROE) | -5.1603% | 6,625 |
| Retained earnings to average equity (ytd only) | -5.1603% | 6,325 |
| Net charge-offs to loans | 0.4360% | 3,065 |
| Credit loss provision to net charge-offs | 274.7748% | 1,704 |
| Earnings coverage of net charge-offs (x) | -0.2545% | 5,924 |
| Efficiency ratio | 102.0590% | 1,093 |
| Assets per employee ($millions) | 7.1941% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 1,616 |
| Loan loss allowance to noncurrent loans | 21.7695% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 8.3036% | 445 |
| Noncurrent loans to loans | 9.0813% | 429 |
| Net loans and leases to total assets | 77.2317% | 1,904 |
| Net loans and leases to deposits | 86.5307% | 3,456 |
| Net loans and leases to core deposits | 140.4914% | 990 |
| Total domestic deposits to total assets | 89.2535% | 1,143 |
| Equity capital to assets | 10.1270% | 3,791 |
| Core capital (leverage) ratio | 9.7084% | 3,623 |
| Tier 1 risk-based capital ratio | 12.6737% | 4,378 |
| Total risk-based capital ratio | 13.9321% | 4,286 |
| Memoranda: | ||
| Average total assets | $261,154,670 | 2,529 |
| Average earning assets | $251,965,670 | 2,421 |
| Average equity | $26,006,330 | 2,554 |
| Average total loans | $203,674,000 | 2,313 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0035% | 335 |
| Cost of funding earning assets | 3.6008% | 114 |
| Net interest margin | 3.4027% | 5,129 |
| Noninterest income to average assets | -0.3009% | 8,180 |
| Noninterest expense to average assets | 2.9041% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0512% | 6,125 |
| Return on assets (ROA) | 0.0512% | 6,274 |
| Pretax return on assets | 0.0782% | 6,214 |
| Return on Equity (ROE) | 0.5179% | 6,273 |
| Retained earnings to average equity (ytd only) | 0.5179% | 5,449 |
| Net charge-offs to loans | 0.1144% | 4,053 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.8814% | 4,322 |
| Efficiency ratio | 96.5691% | 1,292 |
| Assets per employee ($millions) | 7.2734% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 2,840 |
| Loan loss allowance to noncurrent loans | 16.2954% | 7,347 |
| Noncurrent assets plus other real estate owned to assets | 8.4777% | 326 |
| Noncurrent loans to loans | 9.3535% | 334 |
| Net loans and leases to total assets | 76.1710% | 2,233 |
| Net loans and leases to deposits | 85.2400% | 3,767 |
| Net loans and leases to core deposits | 141.7010% | 1,028 |
| Total domestic deposits to total assets | 89.3607% | 1,074 |
| Equity capital to assets | 10.0424% | 3,957 |
| Core capital (leverage) ratio | 9.8537% | 3,580 |
| Tier 1 risk-based capital ratio | 12.2520% | 4,744 |
| Total risk-based capital ratio | 13.5041% | 4,650 |
| Memoranda: | ||
| Average total assets | $265,835,500 | 2,496 |
| Average earning assets | $256,501,000 | 2,399 |
| Average equity | $26,260,000 | 2,548 |
| Average total loans | $206,318,000 | 2,307 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5275% | 101 |
| Cost of funding earning assets | 4.2725% | 35 |
| Net interest margin | 4.2550% | 2,107 |
| Noninterest income to average assets | -0.8182% | 8,286 |
| Noninterest expense to average assets | 3.3828% | 2,722 |
| Loan and lease loss provision to assets | 0.4361% | 3,108 |
| Net operating income to assets | -0.3553% | 6,776 |
| Return on assets (ROA) | -0.2846% | 6,573 |
| Pretax return on assets | -0.4313% | 6,581 |
| Return on Equity (ROE) | -2.9478% | 6,616 |
| Retained earnings to average equity (ytd only) | -2.9478% | 6,094 |
| Net charge-offs to loans | 0.7229% | 1,708 |
| Credit loss provision to net charge-offs | 73.6679% | 6,018 |
| Earnings coverage of net charge-offs (x) | -0.1729% | 6,359 |
| Efficiency ratio | 102.3924% | 902 |
| Assets per employee ($millions) | 7.9362% | 477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 2,709 |
| Loan loss allowance to noncurrent loans | 20.1074% | 7,235 |
| Noncurrent assets plus other real estate owned to assets | 6.9562% | 379 |
| Noncurrent loans to loans | 7.4469% | 387 |
| Net loans and leases to total assets | 76.6987% | 2,449 |
| Net loans and leases to deposits | 85.5229% | 4,181 |
| Net loans and leases to core deposits | 154.4759% | 702 |
| Total domestic deposits to total assets | 89.6820% | 774 |
| Equity capital to assets | 9.7191% | 4,399 |
| Core capital (leverage) ratio | 9.2036% | 4,434 |
| Tier 1 risk-based capital ratio | 11.9135% | 4,896 |
| Total risk-based capital ratio | 13.1655% | 4,787 |
| Memoranda: | ||
| Average total assets | $272,670,600 | 2,364 |
| Average earning assets | $262,657,000 | 2,270 |
| Average equity | $26,324,800 | 2,527 |
| Average total loans | $223,275,200 | 2,098 |