| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9619% | 1,915 |
| Cost of funding earning assets | 1.9342% | 803 |
| Net interest margin | 3.0277% | 3,285 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 1.7641% | 4,038 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.9635% | 2,468 |
| Return on assets (ROA) | 0.9659% | 2,457 |
| Pretax return on assets | 1.3181% | 1,984 |
| Return on Equity (ROE) | 10.2900% | 2,560 |
| Retained earnings to average equity (ytd only) | 10.2944% | 1,321 |
| Net charge-offs to loans | 0.0871% | 866 |
| Credit loss provision to net charge-offs | 220.3067% | 1,061 |
| Earnings coverage of net charge-offs (x) | 23.3497% | 1,736 |
| Efficiency ratio | 55.6674% | 3,425 |
| Assets per employee ($millions) | 19.9581% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5718% | 4,301 |
| Loan loss allowance to noncurrent loans | 326.7542% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 2,729 |
| Noncurrent loans to loans | 0.1750% | 2,669 |
| Net loans and leases to total assets | 70.7200% | 1,738 |
| Net loans and leases to deposits | 86.1344% | 1,555 |
| Net loans and leases to core deposits | 99.3917% | 1,351 |
| Total domestic deposits to total assets | 82.1100% | 3,189 |
| Equity capital to assets | 9.1443% | 2,328 |
| Core capital (leverage) ratio | 8.9570% | 3,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2041% | 2,784 |
| Memoranda: |
| Average total assets | $3,630,662,500 | 351 |
| Average earning assets | $3,306,962,250 | 343 |
| Average equity | $340,667,250 | 361 |
| Average total loans | $2,495,763,750 | 349 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8401% | 1,900 |
| Cost of funding earning assets | 1.7837% | 763 |
| Net interest margin | 3.0564% | 3,311 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 1.6606% | 4,195 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.0255% | 2,337 |
| Return on assets (ROA) | 1.0271% | 2,324 |
| Pretax return on assets | 1.4033% | 1,804 |
| Return on Equity (ROE) | 10.8500% | 2,465 |
| Retained earnings to average equity (ytd only) | 10.8505% | 1,217 |
| Net charge-offs to loans | 0.0830% | 766 |
| Credit loss provision to net charge-offs | 269.2308% | 916 |
| Earnings coverage of net charge-offs (x) | 27.1450% | 1,595 |
| Efficiency ratio | 51.9002% | 3,780 |
| Assets per employee ($millions) | 18.5091% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6058% | 4,298 |
| Loan loss allowance to noncurrent loans | 327.1851% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 2,662 |
| Noncurrent loans to loans | 0.1851% | 2,549 |
| Net loans and leases to total assets | 68.2500% | 1,940 |
| Net loans and leases to deposits | 81.7527% | 1,844 |
| Net loans and leases to core deposits | 93.8068% | 1,577 |
| Total domestic deposits to total assets | 83.4800% | 2,938 |
| Equity capital to assets | 9.6660% | 2,051 |
| Core capital (leverage) ratio | 8.9545% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6292% | 2,726 |
| Memoranda: |
| Average total assets | $3,596,826,000 | 341 |
| Average earning assets | $3,257,589,667 | 334 |
| Average equity | $340,463,000 | 349 |
| Average total loans | $2,442,773,333 | 340 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7674% | 1,701 |
| Cost of funding earning assets | 1.5795% | 725 |
| Net interest margin | 3.1879% | 3,145 |
| Noninterest income to average assets | 0.4800% | 1,921 |
| Noninterest expense to average assets | 1.6765% | 4,220 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 1.1666% | 2,032 |
| Return on assets (ROA) | 1.1739% | 1,972 |
| Pretax return on assets | 1.5993% | 1,462 |
| Return on Equity (ROE) | 12.5300% | 2,093 |
| Retained earnings to average equity (ytd only) | 12.5344% | 1,172 |
| Net charge-offs to loans | 0.0168% | 1,349 |
| Credit loss provision to net charge-offs | 1,338.2353% | 303 |
| Earnings coverage of net charge-offs (x) | 146.8333% | 618 |
| Efficiency ratio | 50.0516% | 3,931 |
| Assets per employee ($millions) | 19.4922% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5799% | 4,384 |
| Loan loss allowance to noncurrent loans | 485.0301% | 1,675 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 2,982 |
| Noncurrent loans to loans | 0.1196% | 2,920 |
| Net loans and leases to total assets | 68.1200% | 1,825 |
| Net loans and leases to deposits | 80.8870% | 1,758 |
| Net loans and leases to core deposits | 94.3251% | 1,374 |
| Total domestic deposits to total assets | 84.2200% | 3,051 |
| Equity capital to assets | 9.4703% | 2,167 |
| Core capital (leverage) ratio | 8.4414% | 4,186 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1412% | 2,924 |
| Memoranda: |
| Average total assets | $3,599,857,500 | 355 |
| Average earning assets | $3,232,615,500 | 345 |
| Average equity | $337,153,000 | 362 |
| Average total loans | $2,431,348,500 | 349 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0150% | 4,113 |
| Cost of funding earning assets | 0.4176% | 1,959 |
| Net interest margin | 2.5974% | 4,176 |
| Noninterest income to average assets | 0.3900% | 2,745 |
| Noninterest expense to average assets | 1.4736% | 4,450 |
| Loan and lease loss provision to assets | 0.1800% | 616 |
| Net operating income to assets | 0.8372% | 3,198 |
| Return on assets (ROA) | 0.8280% | 3,152 |
| Pretax return on assets | 1.1277% | 2,679 |
| Return on Equity (ROE) | 8.9100% | 3,150 |
| Retained earnings to average equity (ytd only) | 8.9134% | 1,506 |
| Net charge-offs to loans | 0.0147% | 1,835 |
| Credit loss provision to net charge-offs | 1,176.8997% | 388 |
| Earnings coverage of net charge-offs (x) | 140.9027% | 822 |
| Efficiency ratio | 52.5446% | 3,933 |
| Assets per employee ($millions) | 19.5311% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5597% | 4,386 |
| Loan loss allowance to noncurrent loans | 395.8134% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 2,889 |
| Noncurrent loans to loans | 0.1414% | 2,802 |
| Net loans and leases to total assets | 66.1600% | 2,023 |
| Net loans and leases to deposits | 78.2950% | 1,911 |
| Net loans and leases to core deposits | 88.9324% | 1,558 |
| Total domestic deposits to total assets | 84.5000% | 3,103 |
| Equity capital to assets | 9.2585% | 2,190 |
| Core capital (leverage) ratio | 8.4201% | 4,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2790% | 2,921 |
| Memoranda: |
| Average total assets | $3,513,197,400 | 343 |
| Average earning assets | $3,256,284,800 | 335 |
| Average equity | $326,363,800 | 368 |
| Average total loans | $2,232,864,200 | 349 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.6482% | 4,345 |
| Cost of funding earning assets | 0.2549% | 2,655 |
| Net interest margin | 2.3934% | 4,332 |
| Noninterest income to average assets | 0.3600% | 2,976 |
| Noninterest expense to average assets | 1.4441% | 4,480 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 0.7688% | 3,359 |
| Return on assets (ROA) | 0.7557% | 3,351 |
| Pretax return on assets | 1.0314% | 2,928 |
| Return on Equity (ROE) | 8.1300% | 3,287 |
| Retained earnings to average equity (ytd only) | 8.1277% | 1,954 |
| Net charge-offs to loans | 0.0169% | 1,510 |
| Credit loss provision to net charge-offs | 436.5591% | 669 |
| Earnings coverage of net charge-offs (x) | 108.3513% | 908 |
| Efficiency ratio | 55.4123% | 3,679 |
| Assets per employee ($millions) | 20.2702% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4583% | 4,511 |
| Loan loss allowance to noncurrent loans | 486.5904% | 1,626 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,277 |
| Noncurrent loans to loans | 0.0942% | 3,207 |
| Net loans and leases to total assets | 64.7300% | 2,011 |
| Net loans and leases to deposits | 76.7532% | 1,813 |
| Net loans and leases to core deposits | 83.1303% | 1,709 |
| Total domestic deposits to total assets | 84.3300% | 3,422 |
| Equity capital to assets | 8.8919% | 2,289 |
| Core capital (leverage) ratio | 8.4031% | 4,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1701% | 3,012 |
| Memoranda: |
| Average total assets | $3,502,830,500 | 346 |
| Average earning assets | $3,273,240,500 | 335 |
| Average equity | $325,677,750 | 370 |
| Average total loans | $2,199,820,500 | 347 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3748% | 4,471 |
| Cost of funding earning assets | 0.1791% | 3,195 |
| Net interest margin | 2.1957% | 4,437 |
| Noninterest income to average assets | 0.3683% | 2,944 |
| Noninterest expense to average assets | 1.4540% | 4,468 |
| Loan and lease loss provision to assets | 0.1074% | 925 |
| Net operating income to assets | 0.6346% | 3,528 |
| Return on assets (ROA) | 0.6218% | 3,514 |
| Pretax return on assets | 0.8477% | 3,211 |
| Return on Equity (ROE) | 6.5894% | 3,426 |
| Retained earnings to average equity (ytd only) | 6.5894% | 2,139 |
| Net charge-offs to loans | 0.0192% | 1,354 |
| Credit loss provision to net charge-offs | 355.5556% | 741 |
| Earnings coverage of net charge-offs (x) | 81.6860% | 922 |
| Efficiency ratio | 59.6726% | 3,338 |
| Assets per employee ($millions) | 19.2024% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4625% | 4,582 |
| Loan loss allowance to noncurrent loans | 357.2877% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 3,147 |
| Noncurrent loans to loans | 0.1294% | 3,071 |
| Net loans and leases to total assets | 64.0020% | 1,912 |
| Net loans and leases to deposits | 74.2591% | 1,841 |
| Net loans and leases to core deposits | 79.0949% | 1,772 |
| Total domestic deposits to total assets | 86.1874% | 3,203 |
| Equity capital to assets | 9.4279% | 2,076 |
| Core capital (leverage) ratio | 8.0674% | 4,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2666% | 2,974 |
| Memoranda: |
| Average total assets | $3,481,254,000 | 341 |
| Average earning assets | $3,261,466,333 | 337 |
| Average equity | $328,495,333 | 367 |
| Average total loans | $2,159,820,000 | 346 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1864% | 4,538 |
| Cost of funding earning assets | 0.1604% | 3,362 |
| Net interest margin | 2.0260% | 4,494 |
| Noninterest income to average assets | 0.3790% | 2,820 |
| Noninterest expense to average assets | 1.3899% | 4,550 |
| Loan and lease loss provision to assets | 0.0821% | 999 |
| Net operating income to assets | 0.6014% | 3,389 |
| Return on assets (ROA) | 0.5869% | 3,422 |
| Pretax return on assets | 0.7902% | 3,134 |
| Return on Equity (ROE) | 6.2169% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.2169% | 2,170 |
| Net charge-offs to loans | 0.0161% | 1,213 |
| Credit loss provision to net charge-offs | 362.7907% | 613 |
| Earnings coverage of net charge-offs (x) | 90.7093% | 707 |
| Efficiency ratio | 60.6539% | 3,415 |
| Assets per employee ($millions) | 20.6923% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4624% | 4,617 |
| Loan loss allowance to noncurrent loans | 553.5156% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,466 |
| Noncurrent loans to loans | 0.0835% | 3,421 |
| Net loans and leases to total assets | 59.6487% | 2,098 |
| Net loans and leases to deposits | 68.8584% | 2,065 |
| Net loans and leases to core deposits | 77.0073% | 1,703 |
| Total domestic deposits to total assets | 86.6251% | 3,064 |
| Equity capital to assets | 9.1545% | 2,569 |
| Core capital (leverage) ratio | 7.7837% | 4,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2670% | 3,016 |
| Memoranda: |
| Average total assets | $3,503,262,000 | 342 |
| Average earning assets | $3,288,303,500 | 336 |
| Average equity | $330,714,000 | 376 |
| Average total loans | $2,134,669,000 | 345 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4256% | 4,527 |
| Cost of funding earning assets | 0.2180% | 3,284 |
| Net interest margin | 2.2076% | 4,479 |
| Noninterest income to average assets | 0.4207% | 2,939 |
| Noninterest expense to average assets | 1.5183% | 4,523 |
| Loan and lease loss provision to assets | -0.2012% | 4,701 |
| Net operating income to assets | 0.8464% | 3,198 |
| Return on assets (ROA) | 0.8431% | 3,273 |
| Pretax return on assets | 1.1464% | 2,828 |
| Return on Equity (ROE) | 8.3653% | 3,115 |
| Retained earnings to average equity (ytd only) | 8.3653% | 1,400 |
| Net charge-offs to loans | 0.0238% | 1,768 |
| Credit loss provision to net charge-offs | -1,184.6918% | 3,961 |
| Earnings coverage of net charge-offs (x) | 60.3260% | 1,170 |
| Efficiency ratio | 61.0881% | 2,985 |
| Assets per employee ($millions) | 19.2514% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4563% | 4,656 |
| Loan loss allowance to noncurrent loans | 220.1954% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 2,976 |
| Noncurrent loans to loans | 0.2072% | 2,917 |
| Net loans and leases to total assets | 61.7039% | 1,975 |
| Net loans and leases to deposits | 71.9724% | 1,913 |
| Net loans and leases to core deposits | 79.0030% | 1,675 |
| Total domestic deposits to total assets | 85.7327% | 3,004 |
| Equity capital to assets | 9.7386% | 2,900 |
| Core capital (leverage) ratio | 7.8943% | 4,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3074% | 3,015 |
| Memoranda: |
| Average total assets | $3,196,302,600 | 354 |
| Average earning assets | $2,963,657,000 | 352 |
| Average equity | $322,151,000 | 375 |
| Average total loans | $2,114,158,400 | 349 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4625% | 4,597 |
| Cost of funding earning assets | 0.2337% | 3,276 |
| Net interest margin | 2.2288% | 4,548 |
| Noninterest income to average assets | 0.4748% | 2,735 |
| Noninterest expense to average assets | 1.5209% | 4,572 |
| Loan and lease loss provision to assets | -0.2284% | 4,772 |
| Net operating income to assets | 0.9192% | 3,182 |
| Return on assets (ROA) | 0.9178% | 3,256 |
| Pretax return on assets | 1.2408% | 2,800 |
| Return on Equity (ROE) | 9.0227% | 3,103 |
| Retained earnings to average equity (ytd only) | 9.0227% | 1,680 |
| Net charge-offs to loans | 0.0161% | 1,752 |
| Credit loss provision to net charge-offs | -1,972.5490% | 3,990 |
| Earnings coverage of net charge-offs (x) | 93.6196% | 904 |
| Efficiency ratio | 59.5204% | 3,064 |
| Assets per employee ($millions) | 20.1508% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5173% | 4,693 |
| Loan loss allowance to noncurrent loans | 270.6000% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,276 |
| Noncurrent loans to loans | 0.1912% | 3,184 |
| Net loans and leases to total assets | 63.6476% | 1,818 |
| Net loans and leases to deposits | 74.6801% | 1,792 |
| Net loans and leases to core deposits | 81.2982% | 1,631 |
| Total domestic deposits to total assets | 85.2270% | 3,038 |
| Equity capital to assets | 10.0071% | 2,893 |
| Core capital (leverage) ratio | 8.1843% | 4,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4318% | 3,046 |
| Memoranda: |
| Average total assets | $3,138,690,000 | 363 |
| Average earning assets | $2,901,439,250 | 360 |
| Average equity | $319,259,500 | 380 |
| Average total loans | $2,111,665,000 | 351 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4744% | 4,639 |
| Cost of funding earning assets | 0.2543% | 3,246 |
| Net interest margin | 2.2201% | 4,582 |
| Noninterest income to average assets | 0.5630% | 2,362 |
| Noninterest expense to average assets | 1.5551% | 4,568 |
| Loan and lease loss provision to assets | -0.3248% | 4,848 |
| Net operating income to assets | 1.0265% | 2,803 |
| Return on assets (ROA) | 1.0254% | 2,884 |
| Pretax return on assets | 1.3789% | 2,395 |
| Return on Equity (ROE) | 10.0229% | 2,733 |
| Retained earnings to average equity (ytd only) | 10.0229% | 1,386 |
| Net charge-offs to loans | 0.0192% | 1,555 |
| Credit loss provision to net charge-offs | -2,120.6897% | 3,842 |
| Earnings coverage of net charge-offs (x) | 80.3350% | 840 |
| Efficiency ratio | 59.0321% | 3,147 |
| Assets per employee ($millions) | 19.1169% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5496% | 4,706 |
| Loan loss allowance to noncurrent loans | 296.8901% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 3,362 |
| Noncurrent loans to loans | 0.1851% | 3,304 |
| Net loans and leases to total assets | 68.0499% | 1,438 |
| Net loans and leases to deposits | 80.6621% | 1,362 |
| Net loans and leases to core deposits | 89.2304% | 1,190 |
| Total domestic deposits to total assets | 84.3642% | 3,325 |
| Equity capital to assets | 10.4493% | 2,441 |
| Core capital (leverage) ratio | 8.3366% | 4,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4227% | 3,048 |
| Memoranda: |
| Average total assets | $3,090,059,667 | 366 |
| Average earning assets | $2,850,016,333 | 363 |
| Average equity | $316,116,000 | 379 |
| Average total loans | $2,115,078,000 | 351 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.4600% | 4,675 |
| Cost of funding earning assets | 0.2728% | 3,241 |
| Net interest margin | 2.1872% | 4,619 |
| Noninterest income to average assets | 0.2740% | 3,760 |
| Noninterest expense to average assets | 1.5408% | 4,610 |
| Loan and lease loss provision to assets | -0.4129% | 4,899 |
| Net operating income to assets | 0.8734% | 3,198 |
| Return on assets (ROA) | 0.8699% | 3,292 |
| Pretax return on assets | 1.1602% | 2,949 |
| Return on Equity (ROE) | 8.5962% | 3,159 |
| Retained earnings to average equity (ytd only) | 8.5962% | 2,064 |
| Net charge-offs to loans | 0.0362% | 1,114 |
| Credit loss provision to net charge-offs | -1,268.5864% | 3,430 |
| Earnings coverage of net charge-offs (x) | 30.3717% | 1,091 |
| Efficiency ratio | 66.7345% | 2,117 |
| Assets per employee ($millions) | 17.8724% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6323% | 4,649 |
| Loan loss allowance to noncurrent loans | 223.5595% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2166% | 3,068 |
| Noncurrent loans to loans | 0.2828% | 3,087 |
| Net loans and leases to total assets | 67.6555% | 1,573 |
| Net loans and leases to deposits | 79.6295% | 1,556 |
| Net loans and leases to core deposits | 87.0872% | 1,446 |
| Total domestic deposits to total assets | 84.9629% | 3,112 |
| Equity capital to assets | 10.0056% | 2,699 |
| Core capital (leverage) ratio | 7.9066% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5462% | 3,003 |
| Memoranda: |
| Average total assets | $3,086,622,000 | 362 |
| Average earning assets | $2,848,799,500 | 361 |
| Average equity | $312,370,500 | 378 |
| Average total loans | $2,113,063,000 | 352 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0711% | 4,584 |
| Cost of funding earning assets | 0.4770% | 3,102 |
| Net interest margin | 2.5942% | 4,506 |
| Noninterest income to average assets | 0.4034% | 3,076 |
| Noninterest expense to average assets | 1.7037% | 4,617 |
| Loan and lease loss provision to assets | 0.2740% | 1,402 |
| Net operating income to assets | 0.5803% | 3,812 |
| Return on assets (ROA) | 0.5827% | 3,913 |
| Pretax return on assets | 0.7889% | 3,651 |
| Return on Equity (ROE) | 5.4489% | 3,766 |
| Retained earnings to average equity (ytd only) | 5.4489% | 2,070 |
| Net charge-offs to loans | -0.0032% | 4,046 |
| Credit loss provision to net charge-offs | -12,252.3810% | 4,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1455% | 3,281 |
| Assets per employee ($millions) | 16.4549% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7750% | 4,475 |
| Loan loss allowance to noncurrent loans | 263.9706% | 1,883 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,164 |
| Noncurrent loans to loans | 0.2936% | 3,145 |
| Net loans and leases to total assets | 68.3125% | 1,785 |
| Net loans and leases to deposits | 81.9374% | 1,668 |
| Net loans and leases to core deposits | 90.5467% | 1,486 |
| Total domestic deposits to total assets | 83.3715% | 3,303 |
| Equity capital to assets | 10.2391% | 2,889 |
| Core capital (leverage) ratio | 8.1152% | 4,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8071% | 2,964 |
| Memoranda: |
| Average total assets | $2,816,504,400 | 362 |
| Average earning assets | $2,562,332,800 | 361 |
| Average equity | $301,198,800 | 366 |
| Average total loans | $1,965,437,400 | 359 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2017% | 4,591 |
| Cost of funding earning assets | 0.5359% | 3,016 |
| Net interest margin | 2.6657% | 4,503 |
| Noninterest income to average assets | 0.4353% | 2,908 |
| Noninterest expense to average assets | 1.7046% | 4,617 |
| Loan and lease loss provision to assets | 0.3399% | 1,136 |
| Net operating income to assets | 0.5964% | 3,778 |
| Return on assets (ROA) | 0.6001% | 3,865 |
| Pretax return on assets | 0.8156% | 3,603 |
| Return on Equity (ROE) | 5.5469% | 3,705 |
| Retained earnings to average equity (ytd only) | 5.5469% | 2,302 |
| Net charge-offs to loans | 0.0227% | 2,395 |
| Credit loss provision to net charge-offs | 2,134.8485% | 448 |
| Earnings coverage of net charge-offs (x) | 72.2818% | 973 |
| Efficiency ratio | 59.1887% | 3,496 |
| Assets per employee ($millions) | 15.2016% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7206% | 4,538 |
| Loan loss allowance to noncurrent loans | 218.9668% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 3,103 |
| Noncurrent loans to loans | 0.3291% | 3,103 |
| Net loans and leases to total assets | 70.4900% | 1,876 |
| Net loans and leases to deposits | 84.1134% | 1,902 |
| Net loans and leases to core deposits | 93.2592% | 1,692 |
| Total domestic deposits to total assets | 83.8035% | 2,890 |
| Equity capital to assets | 10.3769% | 2,895 |
| Core capital (leverage) ratio | 7.8897% | 4,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7726% | 2,969 |
| Memoranda: |
| Average total assets | $2,763,703,750 | 357 |
| Average earning assets | $2,508,975,000 | 358 |
| Average equity | $298,996,000 | 362 |
| Average total loans | $1,935,682,750 | 357 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3460% | 4,595 |
| Cost of funding earning assets | 0.6249% | 2,836 |
| Net interest margin | 2.7211% | 4,535 |
| Noninterest income to average assets | 0.5130% | 2,517 |
| Noninterest expense to average assets | 1.7367% | 4,648 |
| Loan and lease loss provision to assets | 0.4253% | 927 |
| Net operating income to assets | 0.6002% | 3,738 |
| Return on assets (ROA) | 0.6056% | 3,799 |
| Pretax return on assets | 0.8227% | 3,528 |
| Return on Equity (ROE) | 5.5162% | 3,669 |
| Retained earnings to average equity (ytd only) | 5.5162% | 2,270 |
| Net charge-offs to loans | 0.0280% | 2,155 |
| Credit loss provision to net charge-offs | 2,176.1364% | 451 |
| Earnings coverage of net charge-offs (x) | 63.5038% | 929 |
| Efficiency ratio | 57.8069% | 3,718 |
| Assets per employee ($millions) | 16.0983% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6736% | 4,620 |
| Loan loss allowance to noncurrent loans | 188.4401% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,229 |
| Noncurrent loans to loans | 0.3574% | 3,118 |
| Net loans and leases to total assets | 66.8017% | 2,521 |
| Net loans and leases to deposits | 79.2959% | 2,512 |
| Net loans and leases to core deposits | 85.9739% | 2,442 |
| Total domestic deposits to total assets | 84.2436% | 2,663 |
| Equity capital to assets | 9.8866% | 3,300 |
| Core capital (leverage) ratio | 8.1068% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7227% | 3,039 |
| Memoranda: |
| Average total assets | $2,701,900,333 | 360 |
| Average earning assets | $2,447,347,667 | 361 |
| Average equity | $296,652,667 | 363 |
| Average total loans | $1,882,937,333 | 361 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6505% | 4,472 |
| Cost of funding earning assets | 0.8065% | 2,348 |
| Net interest margin | 2.8440% | 4,509 |
| Noninterest income to average assets | 0.4476% | 2,802 |
| Noninterest expense to average assets | 1.7943% | 4,675 |
| Loan and lease loss provision to assets | 0.2333% | 1,325 |
| Net operating income to assets | 0.7197% | 3,206 |
| Return on assets (ROA) | 0.7284% | 3,257 |
| Pretax return on assets | 0.9832% | 2,892 |
| Return on Equity (ROE) | 6.2564% | 3,217 |
| Retained earnings to average equity (ytd only) | 6.2564% | 1,785 |
| Net charge-offs to loans | 0.0212% | 1,945 |
| Credit loss provision to net charge-offs | 1,549.4737% | 417 |
| Earnings coverage of net charge-offs (x) | 80.0632% | 671 |
| Efficiency ratio | 59.2624% | 3,832 |
| Assets per employee ($millions) | 13.5576% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5293% | 4,849 |
| Loan loss allowance to noncurrent loans | 161.1304% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2677% | 3,388 |
| Noncurrent loans to loans | 0.3285% | 3,317 |
| Net loans and leases to total assets | 69.6670% | 2,297 |
| Net loans and leases to deposits | 84.7847% | 2,131 |
| Net loans and leases to core deposits | 91.2202% | 2,230 |
| Total domestic deposits to total assets | 82.1693% | 3,366 |
| Equity capital to assets | 11.3518% | 2,550 |
| Core capital (leverage) ratio | 9.1534% | 4,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3591% | 3,259 |
| Memoranda: |
| Average total assets | $2,523,511,000 | 365 |
| Average earning assets | $2,264,666,000 | 366 |
| Average equity | $293,780,000 | 364 |
| Average total loans | $1,795,853,000 | 363 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1855% | 3,843 |
| Cost of funding earning assets | 1.0008% | 1,718 |
| Net interest margin | 3.1847% | 4,219 |
| Noninterest income to average assets | 0.4231% | 3,156 |
| Noninterest expense to average assets | 2.0691% | 4,407 |
| Loan and lease loss provision to assets | 0.0503% | 3,015 |
| Net operating income to assets | 0.8506% | 3,388 |
| Return on assets (ROA) | 0.8558% | 3,460 |
| Pretax return on assets | 1.1481% | 3,016 |
| Return on Equity (ROE) | 6.9861% | 3,550 |
| Retained earnings to average equity (ytd only) | 4.8277% | 2,516 |
| Net charge-offs to loans | 0.0782% | 1,980 |
| Credit loss provision to net charge-offs | 85.5322% | 2,722 |
| Earnings coverage of net charge-offs (x) | 20.2729% | 1,946 |
| Efficiency ratio | 62.8120% | 3,245 |
| Assets per employee ($millions) | 12.0242% | 223 |
| Cash dividends to net income (ytd only)* | 30.8960% | 3,046 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4708% | 4,921 |
| Loan loss allowance to noncurrent loans | 319.8835% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 3,885 |
| Noncurrent loans to loans | 0.1472% | 3,936 |
| Net loans and leases to total assets | 72.0507% | 2,085 |
| Net loans and leases to deposits | 85.9537% | 2,095 |
| Net loans and leases to core deposits | 90.2027% | 2,403 |
| Total domestic deposits to total assets | 83.8250% | 2,898 |
| Equity capital to assets | 11.9572% | 2,159 |
| Core capital (leverage) ratio | 9.3343% | 4,244 |
| Tier 1 risk-based capital ratio | 11.0281% | 4,849 |
| Total risk-based capital ratio | 11.4478% | 5,033 |
| Memoranda: |
| Average total assets | $2,269,199,200 | 381 |
| Average earning assets | $2,022,047,000 | 387 |
| Average equity | $277,978,800 | 368 |
| Average total loans | $1,705,380,800 | 368 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2785% | 3,723 |
| Cost of funding earning assets | 1.0290% | 1,632 |
| Net interest margin | 3.2495% | 4,186 |
| Noninterest income to average assets | 0.4159% | 3,223 |
| Noninterest expense to average assets | 2.1070% | 4,352 |
| Loan and lease loss provision to assets | 0.0426% | 3,047 |
| Net operating income to assets | 0.8614% | 3,479 |
| Return on assets (ROA) | 0.8690% | 3,540 |
| Pretax return on assets | 1.1652% | 3,088 |
| Return on Equity (ROE) | 7.0486% | 3,659 |
| Retained earnings to average equity (ytd only) | 4.1419% | 3,336 |
| Net charge-offs to loans | 0.0393% | 2,301 |
| Credit loss provision to net charge-offs | 142.6000% | 1,704 |
| Earnings coverage of net charge-offs (x) | 40.1200% | 1,376 |
| Efficiency ratio | 63.0916% | 3,146 |
| Assets per employee ($millions) | 12.3992% | 193 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,101 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4901% | 4,984 |
| Loan loss allowance to noncurrent loans | 389.6754% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.0927% | 4,253 |
| Noncurrent loans to loans | 0.1258% | 4,086 |
| Net loans and leases to total assets | 73.3274% | 1,940 |
| Net loans and leases to deposits | 86.3774% | 2,149 |
| Net loans and leases to core deposits | 90.7507% | 2,488 |
| Total domestic deposits to total assets | 84.8918% | 2,461 |
| Equity capital to assets | 11.8731% | 2,355 |
| Core capital (leverage) ratio | 9.6482% | 4,028 |
| Tier 1 risk-based capital ratio | 10.9451% | 4,937 |
| Total risk-based capital ratio | 11.3928% | 5,095 |
| Memoranda: |
| Average total assets | $2,232,284,750 | 385 |
| Average earning assets | $1,984,767,500 | 396 |
| Average equity | $275,226,500 | 373 |
| Average total loans | $1,694,326,250 | 375 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3462% | 3,499 |
| Cost of funding earning assets | 1.0414% | 1,527 |
| Net interest margin | 3.3048% | 4,133 |
| Noninterest income to average assets | 0.4436% | 2,995 |
| Noninterest expense to average assets | 2.2011% | 4,218 |
| Loan and lease loss provision to assets | 0.0330% | 3,171 |
| Net operating income to assets | 0.8491% | 3,473 |
| Return on assets (ROA) | 0.8592% | 3,500 |
| Pretax return on assets | 1.1521% | 3,071 |
| Return on Equity (ROE) | 6.8758% | 3,722 |
| Retained earnings to average equity (ytd only) | 2.4682% | 3,953 |
| Net charge-offs to loans | 0.0497% | 1,937 |
| Credit loss provision to net charge-offs | 86.5060% | 2,167 |
| Earnings coverage of net charge-offs (x) | 30.7711% | 1,439 |
| Efficiency ratio | 64.5695% | 3,046 |
| Assets per employee ($millions) | 9.7522% | 358 |
| Cash dividends to net income (ytd only)* | 64.1026% | 1,281 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4901% | 5,033 |
| Loan loss allowance to noncurrent loans | 208.3085% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 3,845 |
| Noncurrent loans to loans | 0.2353% | 3,699 |
| Net loans and leases to total assets | 77.4902% | 1,317 |
| Net loans and leases to deposits | 92.3188% | 1,454 |
| Net loans and leases to core deposits | 99.5508% | 1,763 |
| Total domestic deposits to total assets | 83.9376% | 2,894 |
| Equity capital to assets | 12.6663% | 1,767 |
| Core capital (leverage) ratio | 10.0317% | 3,553 |
| Tier 1 risk-based capital ratio | 10.8909% | 4,959 |
| Total risk-based capital ratio | 11.3333% | 5,155 |
| Memoranda: |
| Average total assets | $2,178,697,670 | 399 |
| Average earning assets | $1,931,499,000 | 407 |
| Average equity | $272,259,330 | 376 |
| Average total loans | $1,671,301,330 | 383 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3577% | 3,382 |
| Cost of funding earning assets | 1.0465% | 1,388 |
| Net interest margin | 3.3112% | 4,138 |
| Noninterest income to average assets | 0.4361% | 2,938 |
| Noninterest expense to average assets | 2.2300% | 4,189 |
| Loan and lease loss provision to assets | 0.0894% | 1,924 |
| Net operating income to assets | 0.7922% | 3,651 |
| Return on assets (ROA) | 0.7973% | 3,677 |
| Pretax return on assets | 1.0598% | 3,267 |
| Return on Equity (ROE) | 6.4241% | 3,867 |
| Retained earnings to average equity (ytd only) | 1.9701% | 4,078 |
| Net charge-offs to loans | 0.0593% | 1,447 |
| Credit loss provision to net charge-offs | 197.9592% | 1,069 |
| Earnings coverage of net charge-offs (x) | 25.3143% | 1,428 |
| Efficiency ratio | 65.4357% | 3,019 |
| Assets per employee ($millions) | 10.1139% | 328 |
| Cash dividends to net income (ytd only)* | 69.3321% | 1,131 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5301% | 5,045 |
| Loan loss allowance to noncurrent loans | 203.3302% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1943% | 3,845 |
| Noncurrent loans to loans | 0.2607% | 3,630 |
| Net loans and leases to total assets | 74.1264% | 1,778 |
| Net loans and leases to deposits | 87.6605% | 1,913 |
| Net loans and leases to core deposits | 93.9096% | 2,131 |
| Total domestic deposits to total assets | 84.5608% | 2,832 |
| Equity capital to assets | 12.3506% | 1,819 |
| Core capital (leverage) ratio | 9.3844% | 4,275 |
| Tier 1 risk-based capital ratio | 11.0068% | 4,972 |
| Total risk-based capital ratio | 11.4852% | 5,178 |
| Memoranda: |
| Average total assets | $2,170,928,500 | 402 |
| Average earning assets | $1,925,319,500 | 410 |
| Average equity | $269,425,000 | 377 |
| Average total loans | $1,652,606,000 | 386 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0459% | 3,904 |
| Cost of funding earning assets | 0.6666% | 2,292 |
| Net interest margin | 3.3793% | 4,054 |
| Noninterest income to average assets | 0.4422% | 3,155 |
| Noninterest expense to average assets | 2.1407% | 4,469 |
| Loan and lease loss provision to assets | 0.0595% | 2,976 |
| Net operating income to assets | 0.9522% | 3,217 |
| Return on assets (ROA) | 0.9495% | 3,231 |
| Pretax return on assets | 1.2638% | 2,640 |
| Return on Equity (ROE) | 7.3924% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.2298% | 2,075 |
| Net charge-offs to loans | 0.0476% | 2,482 |
| Credit loss provision to net charge-offs | 159.1212% | 1,740 |
| Earnings coverage of net charge-offs (x) | 35.4940% | 1,436 |
| Efficiency ratio | 60.9626% | 3,699 |
| Assets per employee ($millions) | 9.9405% | 347 |
| Cash dividends to net income (ytd only)* | 15.7274% | 3,644 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5049% | 5,113 |
| Loan loss allowance to noncurrent loans | 154.5371% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 3,570 |
| Noncurrent loans to loans | 0.3267% | 3,384 |
| Net loans and leases to total assets | 77.3702% | 1,379 |
| Net loans and leases to deposits | 90.8965% | 1,687 |
| Net loans and leases to core deposits | 96.2651% | 2,043 |
| Total domestic deposits to total assets | 85.1190% | 2,600 |
| Equity capital to assets | 12.4719% | 1,591 |
| Core capital (leverage) ratio | 9.9734% | 3,614 |
| Tier 1 risk-based capital ratio | 10.8201% | 5,057 |
| Total risk-based capital ratio | 11.2798% | 5,247 |
| Memoranda: |
| Average total assets | $2,009,025,200 | 414 |
| Average earning assets | $1,798,597,000 | 414 |
| Average equity | $258,034,000 | 378 |
| Average total loans | $1,576,772,800 | 390 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9816% | 3,980 |
| Cost of funding earning assets | 0.5942% | 2,512 |
| Net interest margin | 3.3875% | 4,040 |
| Noninterest income to average assets | 0.4619% | 3,086 |
| Noninterest expense to average assets | 2.0697% | 4,607 |
| Loan and lease loss provision to assets | 0.0608% | 2,764 |
| Net operating income to assets | 1.0273% | 2,976 |
| Return on assets (ROA) | 1.0213% | 3,011 |
| Pretax return on assets | 1.3634% | 2,365 |
| Return on Equity (ROE) | 7.8894% | 3,592 |
| Retained earnings to average equity (ytd only) | 6.3244% | 2,475 |
| Net charge-offs to loans | 0.0619% | 1,940 |
| Credit loss provision to net charge-offs | 124.8266% | 1,942 |
| Earnings coverage of net charge-offs (x) | 29.4105% | 1,631 |
| Efficiency ratio | 58.3107% | 4,069 |
| Assets per employee ($millions) | 9.5846% | 371 |
| Cash dividends to net income (ytd only)* | 19.8360% | 3,021 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5070% | 5,181 |
| Loan loss allowance to noncurrent loans | 240.7844% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 4,134 |
| Noncurrent loans to loans | 0.2106% | 3,956 |
| Net loans and leases to total assets | 78.4770% | 1,265 |
| Net loans and leases to deposits | 92.5972% | 1,554 |
| Net loans and leases to core deposits | 104.3732% | 1,429 |
| Total domestic deposits to total assets | 84.7509% | 2,702 |
| Equity capital to assets | 12.7258% | 1,452 |
| Core capital (leverage) ratio | 9.7614% | 3,887 |
| Tier 1 risk-based capital ratio | 10.7657% | 5,144 |
| Total risk-based capital ratio | 11.2234% | 5,338 |
| Memoranda: |
| Average total assets | $1,974,494,250 | 418 |
| Average earning assets | $1,771,784,750 | 419 |
| Average equity | $255,595,000 | 378 |
| Average total loans | $1,553,545,000 | 392 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8748% | 4,141 |
| Cost of funding earning assets | 0.5110% | 2,922 |
| Net interest margin | 3.3637% | 4,063 |
| Noninterest income to average assets | 0.4798% | 2,977 |
| Noninterest expense to average assets | 1.9967% | 4,806 |
| Loan and lease loss provision to assets | 0.1382% | 1,416 |
| Net operating income to assets | 1.0129% | 2,961 |
| Return on assets (ROA) | 1.0060% | 2,988 |
| Pretax return on assets | 1.3498% | 2,329 |
| Return on Equity (ROE) | 7.7256% | 3,615 |
| Retained earnings to average equity (ytd only) | 7.7256% | 1,742 |
| Net charge-offs to loans | 0.0820% | 1,507 |
| Credit loss provision to net charge-offs | 214.4674% | 1,239 |
| Earnings coverage of net charge-offs (x) | 23.2273% | 1,715 |
| Efficiency ratio | 56.3272% | 4,436 |
| Assets per employee ($millions) | 9.0209% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5518% | 5,192 |
| Loan loss allowance to noncurrent loans | 239.9008% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2000% | 4,001 |
| Noncurrent loans to loans | 0.2300% | 3,891 |
| Net loans and leases to total assets | 77.9941% | 1,317 |
| Net loans and leases to deposits | 91.1524% | 1,686 |
| Net loans and leases to core deposits | 110.3387% | 977 |
| Total domestic deposits to total assets | 85.5645% | 2,468 |
| Equity capital to assets | 12.8476% | 1,372 |
| Core capital (leverage) ratio | 10.1568% | 3,413 |
| Tier 1 risk-based capital ratio | 10.9612% | 5,070 |
| Total risk-based capital ratio | 11.4656% | 5,294 |
| Memoranda: |
| Average total assets | $1,952,149,000 | 421 |
| Average earning assets | $1,749,015,330 | 424 |
| Average equity | $254,193,000 | 379 |
| Average total loans | $1,534,628,000 | 392 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7748% | 4,290 |
| Cost of funding earning assets | 0.4619% | 3,112 |
| Net interest margin | 3.3129% | 4,154 |
| Noninterest income to average assets | 0.3739% | 3,638 |
| Noninterest expense to average assets | 1.9440% | 4,950 |
| Loan and lease loss provision to assets | 0.1330% | 1,420 |
| Net operating income to assets | 0.9403% | 3,107 |
| Return on assets (ROA) | 0.9303% | 3,178 |
| Pretax return on assets | 1.2497% | 2,551 |
| Return on Equity (ROE) | 7.0950% | 3,750 |
| Retained earnings to average equity (ytd only) | 7.0950% | 2,240 |
| Net charge-offs to loans | 0.1176% | 1,076 |
| Credit loss provision to net charge-offs | 143.5955% | 1,257 |
| Earnings coverage of net charge-offs (x) | 15.0697% | 1,681 |
| Efficiency ratio | 57.3369% | 4,427 |
| Assets per employee ($millions) | 9.6088% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5413% | 5,275 |
| Loan loss allowance to noncurrent loans | 226.3697% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 4,026 |
| Noncurrent loans to loans | 0.2391% | 3,918 |
| Net loans and leases to total assets | 77.8238% | 1,273 |
| Net loans and leases to deposits | 93.5720% | 1,272 |
| Net loans and leases to core deposits | 109.5518% | 1,027 |
| Total domestic deposits to total assets | 83.1700% | 3,610 |
| Equity capital to assets | 13.1261% | 1,182 |
| Core capital (leverage) ratio | 9.9411% | 3,594 |
| Tier 1 risk-based capital ratio | 11.0682% | 5,101 |
| Total risk-based capital ratio | 11.5620% | 5,333 |
| Memoranda: |
| Average total assets | $1,922,390,500 | 432 |
| Average earning assets | $1,720,764,500 | 435 |
| Average equity | $252,064,500 | 386 |
| Average total loans | $1,513,099,000 | 397 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6077% | 4,558 |
| Cost of funding earning assets | 0.3341% | 3,839 |
| Net interest margin | 3.2736% | 4,240 |
| Noninterest income to average assets | 0.3149% | 4,206 |
| Noninterest expense to average assets | 1.8244% | 5,225 |
| Loan and lease loss provision to assets | 0.0755% | 2,687 |
| Net operating income to assets | 0.8637% | 2,899 |
| Return on assets (ROA) | 0.8641% | 2,916 |
| Pretax return on assets | 1.3470% | 2,184 |
| Return on Equity (ROE) | 6.6334% | 3,460 |
| Retained earnings to average equity (ytd only) | 1.8147% | 4,231 |
| Net charge-offs to loans | 0.0706% | 2,442 |
| Credit loss provision to net charge-offs | 137.6549% | 1,923 |
| Earnings coverage of net charge-offs (x) | 25.9123% | 1,696 |
| Efficiency ratio | 55.2016% | 4,843 |
| Assets per employee ($millions) | 9.4257% | 385 |
| Cash dividends to net income (ytd only)* | 72.6436% | 1,134 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5272% | 5,361 |
| Loan loss allowance to noncurrent loans | 155.6313% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 3,732 |
| Noncurrent loans to loans | 0.3388% | 3,546 |
| Net loans and leases to total assets | 78.7580% | 1,171 |
| Net loans and leases to deposits | 91.4222% | 1,598 |
| Net loans and leases to core deposits | 104.9659% | 1,345 |
| Total domestic deposits to total assets | 86.1476% | 2,372 |
| Equity capital to assets | 13.0979% | 1,217 |
| Core capital (leverage) ratio | 10.0953% | 3,330 |
| Tier 1 risk-based capital ratio | 10.8836% | 5,210 |
| Total risk-based capital ratio | 11.3674% | 5,440 |
| Memoranda: |
| Average total assets | $1,911,601,400 | 427 |
| Average earning assets | $1,711,826,200 | 430 |
| Average equity | $249,026,600 | 379 |
| Average total loans | $1,486,102,600 | 394 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5742% | 4,624 |
| Cost of funding earning assets | 0.3222% | 3,917 |
| Net interest margin | 3.2520% | 4,321 |
| Noninterest income to average assets | 0.2724% | 4,554 |
| Noninterest expense to average assets | 1.7964% | 5,279 |
| Loan and lease loss provision to assets | 0.0354% | 3,410 |
| Net operating income to assets | 0.9155% | 2,943 |
| Return on assets (ROA) | 0.9160% | 3,005 |
| Pretax return on assets | 1.3587% | 2,247 |
| Return on Equity (ROE) | 7.0411% | 3,637 |
| Retained earnings to average equity (ytd only) | 5.9686% | 2,256 |
| Net charge-offs to loans | 0.0395% | 2,647 |
| Credit loss provision to net charge-offs | 115.7534% | 2,066 |
| Earnings coverage of net charge-offs (x) | 45.6001% | 1,188 |
| Efficiency ratio | 55.2829% | 4,818 |
| Assets per employee ($millions) | 9.0622% | 427 |
| Cash dividends to net income (ytd only)* | 15.2323% | 3,316 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5117% | 5,446 |
| Loan loss allowance to noncurrent loans | 124.2218% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 3,659 |
| Noncurrent loans to loans | 0.4120% | 3,469 |
| Net loans and leases to total assets | 78.2730% | 1,233 |
| Net loans and leases to deposits | 91.2371% | 1,659 |
| Net loans and leases to core deposits | 106.9926% | 1,201 |
| Total domestic deposits to total assets | 85.7907% | 2,392 |
| Equity capital to assets | 13.3586% | 1,223 |
| Core capital (leverage) ratio | 10.1966% | 3,318 |
| Tier 1 risk-based capital ratio | 11.3908% | 5,019 |
| Total risk-based capital ratio | 11.8641% | 5,341 |
| Memoranda: |
| Average total assets | $1,911,147,000 | 429 |
| Average earning assets | $1,714,527,000 | 432 |
| Average equity | $248,629,000 | 377 |
| Average total loans | $1,478,889,000 | 397 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4949% | 4,781 |
| Cost of funding earning assets | 0.2986% | 4,094 |
| Net interest margin | 3.1963% | 4,432 |
| Noninterest income to average assets | 0.2526% | 4,727 |
| Noninterest expense to average assets | 1.7513% | 5,367 |
| Loan and lease loss provision to assets | 0.0806% | 2,377 |
| Net operating income to assets | 0.9130% | 2,847 |
| Return on assets (ROA) | 0.9131% | 2,898 |
| Pretax return on assets | 1.2925% | 2,412 |
| Return on Equity (ROE) | 7.0821% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.0821% | 1,560 |
| Net charge-offs to loans | 0.0604% | 2,060 |
| Credit loss provision to net charge-offs | 173.2584% | 1,388 |
| Earnings coverage of net charge-offs (x) | 29.5213% | 1,477 |
| Efficiency ratio | 54.9806% | 4,925 |
| Assets per employee ($millions) | 8.9192% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5281% | 5,486 |
| Loan loss allowance to noncurrent loans | 175.4541% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 4,036 |
| Noncurrent loans to loans | 0.3010% | 3,962 |
| Net loans and leases to total assets | 78.8897% | 1,110 |
| Net loans and leases to deposits | 91.9095% | 1,504 |
| Net loans and leases to core deposits | 108.9763% | 1,052 |
| Total domestic deposits to total assets | 85.8341% | 2,456 |
| Equity capital to assets | 13.3150% | 1,222 |
| Core capital (leverage) ratio | 10.2218% | 3,245 |
| Tier 1 risk-based capital ratio | 11.0830% | 5,206 |
| Total risk-based capital ratio | 11.5670% | 5,465 |
| Memoranda: |
| Average total assets | $1,913,845,000 | 426 |
| Average earning assets | $1,719,440,000 | 433 |
| Average equity | $246,764,670 | 378 |
| Average total loans | $1,472,772,670 | 397 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3360% | 5,053 |
| Cost of funding earning assets | 0.2825% | 4,229 |
| Net interest margin | 3.0535% | 4,781 |
| Noninterest income to average assets | 0.2942% | 4,450 |
| Noninterest expense to average assets | 1.7055% | 5,471 |
| Loan and lease loss provision to assets | 0.0623% | 2,565 |
| Net operating income to assets | 0.8070% | 3,192 |
| Return on assets (ROA) | 0.8065% | 3,252 |
| Pretax return on assets | 1.2762% | 2,326 |
| Return on Equity (ROE) | 6.3571% | 3,736 |
| Retained earnings to average equity (ytd only) | 6.3571% | 2,156 |
| Net charge-offs to loans | 0.0441% | 1,952 |
| Credit loss provision to net charge-offs | 186.3354% | 1,066 |
| Earnings coverage of net charge-offs (x) | 40.0435% | 1,038 |
| Efficiency ratio | 54.9127% | 5,049 |
| Assets per employee ($millions) | 9.9351% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5261% | 5,571 |
| Loan loss allowance to noncurrent loans | 181.2705% | 2,452 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 4,016 |
| Noncurrent loans to loans | 0.2902% | 4,074 |
| Net loans and leases to total assets | 76.6571% | 1,314 |
| Net loans and leases to deposits | 89.5493% | 1,591 |
| Net loans and leases to core deposits | 104.2325% | 1,209 |
| Total domestic deposits to total assets | 85.6033% | 2,839 |
| Equity capital to assets | 12.9137% | 1,293 |
| Core capital (leverage) ratio | 9.6637% | 3,911 |
| Tier 1 risk-based capital ratio | 10.9588% | 5,332 |
| Total risk-based capital ratio | 11.4393% | 5,601 |
| Memoranda: |
| Average total assets | $1,925,329,500 | 427 |
| Average earning assets | $1,734,391,500 | 434 |
| Average equity | $244,261,500 | 380 |
| Average total loans | $1,459,345,500 | 401 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5357% | 4,677 |
| Cost of funding earning assets | 0.2674% | 4,394 |
| Net interest margin | 3.2683% | 4,233 |
| Noninterest income to average assets | 0.2774% | 4,758 |
| Noninterest expense to average assets | 1.9563% | 5,276 |
| Loan and lease loss provision to assets | 0.1503% | 1,663 |
| Net operating income to assets | 0.6651% | 3,927 |
| Return on assets (ROA) | 0.6827% | 3,977 |
| Pretax return on assets | 1.0822% | 3,167 |
| Return on Equity (ROE) | 5.1817% | 4,336 |
| Retained earnings to average equity (ytd only) | 2.6216% | 4,030 |
| Net charge-offs to loans | 0.0421% | 3,193 |
| Credit loss provision to net charge-offs | 465.0435% | 695 |
| Earnings coverage of net charge-offs (x) | 37.2835% | 1,236 |
| Efficiency ratio | 60.6430% | 4,484 |
| Assets per employee ($millions) | 9.8636% | 316 |
| Cash dividends to net income (ytd only)* | 49.4071% | 2,338 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5254% | 5,636 |
| Loan loss allowance to noncurrent loans | 97.0543% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 3,476 |
| Noncurrent loans to loans | 0.5413% | 3,225 |
| Net loans and leases to total assets | 74.1633% | 1,827 |
| Net loans and leases to deposits | 86.3776% | 2,121 |
| Net loans and leases to core deposits | 99.8144% | 1,639 |
| Total domestic deposits to total assets | 85.8594% | 2,651 |
| Equity capital to assets | 12.4640% | 1,544 |
| Core capital (leverage) ratio | 9.5150% | 4,061 |
| Tier 1 risk-based capital ratio | 10.7891% | 5,437 |
| Total risk-based capital ratio | 11.2642% | 5,691 |
| Memoranda: |
| Average total assets | $1,778,937,400 | 439 |
| Average earning assets | $1,569,727,600 | 447 |
| Average equity | $234,361,200 | 378 |
| Average total loans | $1,365,113,000 | 398 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6258% | 4,480 |
| Cost of funding earning assets | 0.2629% | 4,472 |
| Net interest margin | 3.3629% | 3,984 |
| Noninterest income to average assets | 0.2407% | 5,035 |
| Noninterest expense to average assets | 1.9963% | 5,210 |
| Loan and lease loss provision to assets | 0.2164% | 963 |
| Net operating income to assets | 0.6152% | 4,232 |
| Return on assets (ROA) | 0.6366% | 4,265 |
| Pretax return on assets | 1.0167% | 3,571 |
| Return on Equity (ROE) | 4.7606% | 4,617 |
| Retained earnings to average equity (ytd only) | 2.4658% | 4,446 |
| Net charge-offs to loans | 0.0701% | 2,313 |
| Credit loss provision to net charge-offs | 399.0099% | 846 |
| Earnings coverage of net charge-offs (x) | 22.1161% | 1,780 |
| Efficiency ratio | 61.1950% | 4,358 |
| Assets per employee ($millions) | 9.4853% | 353 |
| Cash dividends to net income (ytd only)* | 48.2044% | 1,974 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5355% | 5,692 |
| Loan loss allowance to noncurrent loans | 111.4049% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4246% | 3,725 |
| Noncurrent loans to loans | 0.4807% | 3,568 |
| Net loans and leases to total assets | 76.6068% | 1,424 |
| Net loans and leases to deposits | 89.0910% | 1,878 |
| Net loans and leases to core deposits | 101.9836% | 1,483 |
| Total domestic deposits to total assets | 85.9871% | 2,355 |
| Equity capital to assets | 13.0274% | 1,477 |
| Core capital (leverage) ratio | 9.5008% | 4,182 |
| Tier 1 risk-based capital ratio | 10.8522% | 5,454 |
| Total risk-based capital ratio | 11.3405% | 5,714 |
| Memoranda: |
| Average total assets | $1,737,891,750 | 453 |
| Average earning assets | $1,527,214,500 | 458 |
| Average equity | $232,404,000 | 384 |
| Average total loans | $1,344,218,000 | 405 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7339% | 4,173 |
| Cost of funding earning assets | 0.2550% | 4,605 |
| Net interest margin | 3.4789% | 3,569 |
| Noninterest income to average assets | 0.2775% | 4,795 |
| Noninterest expense to average assets | 2.0262% | 5,221 |
| Loan and lease loss provision to assets | 0.2716% | 686 |
| Net operating income to assets | 0.6323% | 4,134 |
| Return on assets (ROA) | 0.6455% | 4,206 |
| Pretax return on assets | 1.0340% | 3,461 |
| Return on Equity (ROE) | 4.7822% | 4,612 |
| Retained earnings to average equity (ytd only) | 1.2909% | 4,874 |
| Net charge-offs to loans | 0.0894% | 1,949 |
| Credit loss provision to net charge-offs | 392.0068% | 785 |
| Earnings coverage of net charge-offs (x) | 18.5459% | 1,817 |
| Efficiency ratio | 59.9210% | 4,651 |
| Assets per employee ($millions) | 8.4056% | 497 |
| Cash dividends to net income (ytd only)* | 73.0060% | 1,088 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5105% | 5,791 |
| Loan loss allowance to noncurrent loans | 124.9828% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 4,004 |
| Noncurrent loans to loans | 0.4084% | 3,890 |
| Net loans and leases to total assets | 77.0117% | 1,336 |
| Net loans and leases to deposits | 89.5743% | 1,803 |
| Net loans and leases to core deposits | 103.8500% | 1,330 |
| Total domestic deposits to total assets | 85.9752% | 2,432 |
| Equity capital to assets | 13.0087% | 1,497 |
| Core capital (leverage) ratio | 9.6508% | 3,998 |
| Tier 1 risk-based capital ratio | 10.8318% | 5,512 |
| Total risk-based capital ratio | 11.3022% | 5,779 |
| Memoranda: |
| Average total assets | $1,697,483,330 | 456 |
| Average earning assets | $1,480,162,000 | 467 |
| Average equity | $229,140,330 | 388 |
| Average total loans | $1,314,998,000 | 409 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7762% | 4,031 |
| Cost of funding earning assets | 0.2300% | 4,901 |
| Net interest margin | 3.5462% | 3,301 |
| Noninterest income to average assets | 0.2866% | 4,674 |
| Noninterest expense to average assets | 1.9257% | 5,486 |
| Loan and lease loss provision to assets | 0.2623% | 651 |
| Net operating income to assets | 0.7533% | 3,467 |
| Return on assets (ROA) | 0.7698% | 3,502 |
| Pretax return on assets | 1.2316% | 2,574 |
| Return on Equity (ROE) | 5.5881% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.5881% | 2,591 |
| Net charge-offs to loans | 0.0295% | 2,358 |
| Credit loss provision to net charge-offs | 1,146.2366% | 343 |
| Earnings coverage of net charge-offs (x) | 64.1613% | 742 |
| Efficiency ratio | 55.4806% | 5,239 |
| Assets per employee ($millions) | 8.6971% | 439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5040% | 5,863 |
| Loan loss allowance to noncurrent loans | 167.6078% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 4,380 |
| Noncurrent loans to loans | 0.3007% | 4,351 |
| Net loans and leases to total assets | 76.7984% | 1,276 |
| Net loans and leases to deposits | 91.7659% | 1,379 |
| Net loans and leases to core deposits | 109.1225% | 895 |
| Total domestic deposits to total assets | 83.6895% | 3,640 |
| Equity capital to assets | 14.2291% | 905 |
| Core capital (leverage) ratio | 11.1878% | 2,234 |
| Tier 1 risk-based capital ratio | 11.8498% | 5,011 |
| Total risk-based capital ratio | 12.3148% | 5,381 |
| Memoranda: |
| Average total assets | $1,625,808,000 | 471 |
| Average earning assets | $1,424,509,500 | 486 |
| Average equity | $223,976,000 | 390 |
| Average total loans | $1,260,031,500 | 422 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1406% | 2,772 |
| Cost of funding earning assets | 0.2476% | 4,809 |
| Net interest margin | 3.8930% | 2,055 |
| Noninterest income to average assets | 0.3620% | 4,315 |
| Noninterest expense to average assets | 2.1987% | 5,047 |
| Loan and lease loss provision to assets | 0.0704% | 2,871 |
| Net operating income to assets | 0.9433% | 2,643 |
| Return on assets (ROA) | 0.9453% | 2,711 |
| Pretax return on assets | 1.5224% | 1,485 |
| Return on Equity (ROE) | 7.1404% | 3,435 |
| Retained earnings to average equity (ytd only) | 3.1054% | 3,847 |
| Net charge-offs to loans | 0.0365% | 3,487 |
| Credit loss provision to net charge-offs | 251.1905% | 1,149 |
| Earnings coverage of net charge-offs (x) | 56.6929% | 910 |
| Efficiency ratio | 56.7174% | 5,279 |
| Assets per employee ($millions) | 7.7111% | 631 |
| Cash dividends to net income (ytd only)* | 56.5091% | 1,945 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4543% | 5,952 |
| Loan loss allowance to noncurrent loans | 324.7519% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 5,107 |
| Noncurrent loans to loans | 0.1399% | 4,932 |
| Net loans and leases to total assets | 77.4837% | 1,192 |
| Net loans and leases to deposits | 90.2070% | 1,586 |
| Net loans and leases to core deposits | 106.8846% | 1,054 |
| Total domestic deposits to total assets | 85.8955% | 2,680 |
| Equity capital to assets | 13.2931% | 1,218 |
| Core capital (leverage) ratio | 10.3357% | 3,120 |
| Tier 1 risk-based capital ratio | 11.5417% | 5,218 |
| Total risk-based capital ratio | 11.9622% | 5,588 |
| Memoranda: |
| Average total assets | $1,497,694,000 | 476 |
| Average earning assets | $1,318,269,200 | 495 |
| Average equity | $198,266,600 | 419 |
| Average total loans | $1,149,737,800 | 429 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2817% | 2,301 |
| Cost of funding earning assets | 0.2558% | 4,810 |
| Net interest margin | 4.0259% | 1,619 |
| Noninterest income to average assets | 0.3620% | 4,344 |
| Noninterest expense to average assets | 2.2860% | 4,816 |
| Loan and lease loss provision to assets | 0.1214% | 1,873 |
| Net operating income to assets | 0.9198% | 2,858 |
| Return on assets (ROA) | 0.9224% | 2,937 |
| Pretax return on assets | 1.4854% | 1,721 |
| Return on Equity (ROE) | 6.9755% | 3,628 |
| Retained earnings to average equity (ytd only) | 1.5211% | 5,109 |
| Net charge-offs to loans | 0.0361% | 3,188 |
| Credit loss provision to net charge-offs | 439.8693% | 708 |
| Earnings coverage of net charge-offs (x) | 58.0947% | 936 |
| Efficiency ratio | 57.4641% | 5,183 |
| Assets per employee ($millions) | 7.1983% | 794 |
| Cash dividends to net income (ytd only)* | 78.1937% | 787 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5006% | 6,018 |
| Loan loss allowance to noncurrent loans | 177.6390% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 4,839 |
| Noncurrent loans to loans | 0.2818% | 4,572 |
| Net loans and leases to total assets | 77.8139% | 1,132 |
| Net loans and leases to deposits | 90.9684% | 1,533 |
| Net loans and leases to core deposits | 108.0489% | 977 |
| Total domestic deposits to total assets | 85.5395% | 2,762 |
| Equity capital to assets | 13.4644% | 1,241 |
| Core capital (leverage) ratio | 10.1712% | 3,414 |
| Tier 1 risk-based capital ratio | 11.5675% | 5,336 |
| Total risk-based capital ratio | 12.0301% | 5,697 |
| Memoranda: |
| Average total assets | $1,478,849,000 | 483 |
| Average earning assets | $1,295,500,500 | 505 |
| Average equity | $195,555,750 | 426 |
| Average total loans | $1,131,062,500 | 441 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4409% | 1,708 |
| Cost of funding earning assets | 0.2621% | 4,809 |
| Net interest margin | 4.1788% | 1,153 |
| Noninterest income to average assets | 0.3874% | 4,173 |
| Noninterest expense to average assets | 2.3217% | 4,790 |
| Loan and lease loss provision to assets | 0.1255% | 1,763 |
| Net operating income to assets | 0.9727% | 2,523 |
| Return on assets (ROA) | 0.9767% | 2,614 |
| Pretax return on assets | 1.5776% | 1,395 |
| Return on Equity (ROE) | 7.4330% | 3,355 |
| Retained earnings to average equity (ytd only) | -0.8895% | 5,677 |
| Net charge-offs to loans | 0.0103% | 3,551 |
| Credit loss provision to net charge-offs | 1,610.5263% | 225 |
| Earnings coverage of net charge-offs (x) | 217.7895% | 323 |
| Efficiency ratio | 56.4611% | 5,384 |
| Assets per employee ($millions) | 6.3732% | 1,113 |
| Cash dividends to net income (ytd only)* | 111.9664% | 373 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5041% | 6,084 |
| Loan loss allowance to noncurrent loans | 109.2073% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 0.3991% | 4,308 |
| Noncurrent loans to loans | 0.4616% | 4,095 |
| Net loans and leases to total assets | 76.4302% | 1,309 |
| Net loans and leases to deposits | 89.5429% | 1,653 |
| Net loans and leases to core deposits | 107.1792% | 1,015 |
| Total domestic deposits to total assets | 85.3560% | 2,987 |
| Equity capital to assets | 13.5201% | 1,163 |
| Core capital (leverage) ratio | 10.1277% | 3,430 |
| Tier 1 risk-based capital ratio | 11.6579% | 5,362 |
| Total risk-based capital ratio | 12.1204% | 5,697 |
| Memoranda: |
| Average total assets | $1,463,120,670 | 491 |
| Average earning assets | $1,271,406,000 | 511 |
| Average equity | $192,250,330 | 435 |
| Average total loans | $1,110,269,670 | 446 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4123% | 1,727 |
| Cost of funding earning assets | 0.2778% | 4,696 |
| Net interest margin | 4.1344% | 1,197 |
| Noninterest income to average assets | 0.4017% | 3,992 |
| Noninterest expense to average assets | 2.3073% | 4,856 |
| Loan and lease loss provision to assets | 0.0210% | 3,441 |
| Net operating income to assets | 0.9986% | 2,279 |
| Return on assets (ROA) | 1.0076% | 2,370 |
| Pretax return on assets | 1.6320% | 1,187 |
| Return on Equity (ROE) | 7.7850% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.7850% | 1,650 |
| Net charge-offs to loans | -0.0470% | 5,490 |
| Credit loss provision to net charge-offs | -59.3750% | 4,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1158% | 5,430 |
| Assets per employee ($millions) | 7.0260% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4386% | 6,214 |
| Loan loss allowance to noncurrent loans | 150.1459% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 4,881 |
| Noncurrent loans to loans | 0.2921% | 4,736 |
| Net loans and leases to total assets | 75.5943% | 1,268 |
| Net loans and leases to deposits | 88.9067% | 1,519 |
| Net loans and leases to core deposits | 106.4232% | 910 |
| Total domestic deposits to total assets | 85.0266% | 3,393 |
| Equity capital to assets | 13.4684% | 1,182 |
| Core capital (leverage) ratio | 10.6285% | 2,821 |
| Tier 1 risk-based capital ratio | 11.7265% | 5,420 |
| Total risk-based capital ratio | 12.1265% | 5,788 |
| Memoranda: |
| Average total assets | $1,445,825,000 | 492 |
| Average earning assets | $1,239,543,000 | 522 |
| Average equity | $187,129,500 | 442 |
| Average total loans | $1,090,152,000 | 448 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5718% | 5,160 |
| Cost of funding earning assets | 0.3327% | 4,463 |
| Net interest margin | 3.2391% | 4,796 |
| Noninterest income to average assets | 0.2309% | 5,477 |
| Noninterest expense to average assets | 1.9854% | 5,795 |
| Loan and lease loss provision to assets | 0.0083% | 4,455 |
| Net operating income to assets | 0.7039% | 3,874 |
| Return on assets (ROA) | 0.7046% | 3,986 |
| Pretax return on assets | 1.1506% | 2,870 |
| Return on Equity (ROE) | 5.8647% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.8647% | 2,012 |
| Net charge-offs to loans | 0.1059% | 2,998 |
| Credit loss provision to net charge-offs | 10.0451% | 4,104 |
| Earnings coverage of net charge-offs (x) | 14.0451% | 2,204 |
| Efficiency ratio | 61.8203% | 4,937 |
| Assets per employee ($millions) | 7.1592% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4910% | 6,266 |
| Loan loss allowance to noncurrent loans | 342.3130% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.1918% | 5,264 |
| Noncurrent loans to loans | 0.1434% | 5,317 |
| Net loans and leases to total assets | 74.4272% | 1,512 |
| Net loans and leases to deposits | 89.6985% | 1,548 |
| Net loans and leases to core deposits | 106.8291% | 963 |
| Total domestic deposits to total assets | 82.9748% | 4,087 |
| Equity capital to assets | 12.3391% | 1,741 |
| Core capital (leverage) ratio | 10.0924% | 3,444 |
| Tier 1 risk-based capital ratio | 11.5937% | 5,611 |
| Total risk-based capital ratio | 12.0533% | 5,924 |
| Memoranda: |
| Average total assets | $1,074,895,800 | 625 |
| Average earning assets | $966,410,400 | 633 |
| Average equity | $129,146,000 | 561 |
| Average total loans | $836,352,400 | 534 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3734% | 5,635 |
| Cost of funding earning assets | 0.3400% | 4,459 |
| Net interest margin | 3.0334% | 5,427 |
| Noninterest income to average assets | 0.1852% | 5,810 |
| Noninterest expense to average assets | 1.8546% | 6,019 |
| Loan and lease loss provision to assets | 0.0222% | 3,962 |
| Net operating income to assets | 0.6645% | 4,132 |
| Return on assets (ROA) | 0.6650% | 4,230 |
| Pretax return on assets | 1.0710% | 3,296 |
| Return on Equity (ROE) | 5.5850% | 4,446 |
| Retained earnings to average equity (ytd only) | 5.5850% | 2,679 |
| Net charge-offs to loans | 0.0983% | 2,819 |
| Credit loss provision to net charge-offs | 28.7179% | 3,470 |
| Earnings coverage of net charge-offs (x) | 14.1060% | 2,162 |
| Efficiency ratio | 61.7672% | 4,921 |
| Assets per employee ($millions) | 7.3047% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5540% | 6,280 |
| Loan loss allowance to noncurrent loans | 246.6728% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 5,330 |
| Noncurrent loans to loans | 0.2246% | 5,221 |
| Net loans and leases to total assets | 75.3931% | 1,307 |
| Net loans and leases to deposits | 87.3418% | 1,748 |
| Net loans and leases to core deposits | 104.5873% | 1,067 |
| Total domestic deposits to total assets | 86.3196% | 2,690 |
| Equity capital to assets | 12.7154% | 1,576 |
| Core capital (leverage) ratio | 10.1978% | 3,417 |
| Tier 1 risk-based capital ratio | 10.8339% | 6,077 |
| Total risk-based capital ratio | 11.3523% | 6,286 |
| Memoranda: |
| Average total assets | $1,007,138,750 | 669 |
| Average earning assets | $916,954,250 | 665 |
| Average equity | $119,913,750 | 607 |
| Average total loans | $793,771,500 | 553 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.4097% | 5,606 |
| Cost of funding earning assets | 0.3579% | 4,341 |
| Net interest margin | 3.0518% | 5,392 |
| Noninterest income to average assets | 0.1904% | 5,818 |
| Noninterest expense to average assets | 1.8460% | 6,082 |
| Loan and lease loss provision to assets | -0.0507% | 6,294 |
| Net operating income to assets | 0.7360% | 3,643 |
| Return on assets (ROA) | 0.7363% | 3,734 |
| Pretax return on assets | 1.1893% | 2,709 |
| Return on Equity (ROE) | 6.3841% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.3841% | 2,100 |
| Net charge-offs to loans | 0.1644% | 2,079 |
| Credit loss provision to net charge-offs | -38.4488% | 5,144 |
| Earnings coverage of net charge-offs (x) | 8.6320% | 2,465 |
| Efficiency ratio | 60.8458% | 5,163 |
| Assets per employee ($millions) | 9.5803% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6559% | 6,237 |
| Loan loss allowance to noncurrent loans | 260.6462% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 5,239 |
| Noncurrent loans to loans | 0.2517% | 5,256 |
| Net loans and leases to total assets | 81.0384% | 570 |
| Net loans and leases to deposits | 93.7822% | 974 |
| Net loans and leases to core deposits | 116.2222% | 472 |
| Total domestic deposits to total assets | 86.4113% | 2,814 |
| Equity capital to assets | 11.7866% | 2,173 |
| Core capital (leverage) ratio | 9.4539% | 4,390 |
| Tier 1 risk-based capital ratio | 10.7123% | 6,167 |
| Total risk-based capital ratio | 11.3417% | 6,326 |
| Memoranda: |
| Average total assets | $919,178,000 | 731 |
| Average earning assets | $841,470,330 | 727 |
| Average equity | $106,013,000 | 689 |
| Average total loans | $737,162,000 | 586 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.3992% | 5,649 |
| Cost of funding earning assets | 0.3591% | 4,446 |
| Net interest margin | 3.0401% | 5,414 |
| Noninterest income to average assets | 0.1706% | 5,949 |
| Noninterest expense to average assets | 1.8644% | 6,126 |
| Loan and lease loss provision to assets | 0.0905% | 2,408 |
| Net operating income to assets | 0.6212% | 4,093 |
| Return on assets (ROA) | 0.6212% | 4,175 |
| Pretax return on assets | 1.0021% | 3,308 |
| Return on Equity (ROE) | 5.4456% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.4456% | 2,817 |
| Net charge-offs to loans | 0.0969% | 2,200 |
| Credit loss provision to net charge-offs | 117.5141% | 1,479 |
| Earnings coverage of net charge-offs (x) | 14.1808% | 1,627 |
| Efficiency ratio | 62.0197% | 5,116 |
| Assets per employee ($millions) | 10.7104% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7868% | 6,133 |
| Loan loss allowance to noncurrent loans | 199.8966% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 4,814 |
| Noncurrent loans to loans | 0.3936% | 4,950 |
| Net loans and leases to total assets | 79.4105% | 614 |
| Net loans and leases to deposits | 91.7000% | 982 |
| Net loans and leases to core deposits | 114.8187% | 435 |
| Total domestic deposits to total assets | 86.5982% | 3,048 |
| Equity capital to assets | 11.5258% | 2,220 |
| Core capital (leverage) ratio | 9.2539% | 4,639 |
| Tier 1 risk-based capital ratio | 10.5416% | 6,317 |
| Total risk-based capital ratio | 11.2880% | 6,440 |
| Memoranda: |
| Average total assets | $918,911,500 | 736 |
| Average earning assets | $842,208,500 | 733 |
| Average equity | $104,818,000 | 696 |
| Average total loans | $730,623,000 | 594 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.5672% | 5,489 |
| Cost of funding earning assets | 0.4386% | 4,235 |
| Net interest margin | 3.1286% | 5,230 |
| Noninterest income to average assets | 0.1636% | 6,113 |
| Noninterest expense to average assets | 1.6875% | 6,460 |
| Loan and lease loss provision to assets | 0.0739% | 3,633 |
| Net operating income to assets | 0.7691% | 3,449 |
| Return on assets (ROA) | 0.7692% | 3,542 |
| Pretax return on assets | 1.2535% | 2,348 |
| Return on Equity (ROE) | 6.6360% | 3,754 |
| Retained earnings to average equity (ytd only) | 2.6760% | 4,337 |
| Net charge-offs to loans | 0.1509% | 3,295 |
| Credit loss provision to net charge-offs | 60.9848% | 3,533 |
| Earnings coverage of net charge-offs (x) | 10.9527% | 2,295 |
| Efficiency ratio | 54.9161% | 6,060 |
| Assets per employee ($millions) | 10.3003% | 213 |
| Cash dividends to net income (ytd only)* | 59.6748% | 1,779 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7974% | 6,186 |
| Loan loss allowance to noncurrent loans | 377.3203% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 5,544 |
| Noncurrent loans to loans | 0.2113% | 5,546 |
| Net loans and leases to total assets | 78.3466% | 779 |
| Net loans and leases to deposits | 91.2838% | 1,132 |
| Net loans and leases to core deposits | 112.6629% | 507 |
| Total domestic deposits to total assets | 85.8275% | 3,348 |
| Equity capital to assets | 11.2871% | 2,352 |
| Core capital (leverage) ratio | 9.4682% | 4,313 |
| Tier 1 risk-based capital ratio | 10.4734% | 6,372 |
| Total risk-based capital ratio | 11.2347% | 6,486 |
| Memoranda: |
| Average total assets | $871,422,800 | 759 |
| Average earning assets | $794,116,600 | 759 |
| Average equity | $101,009,200 | 698 |
| Average total loans | $699,992,800 | 598 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6302% | 5,356 |
| Cost of funding earning assets | 0.4616% | 4,154 |
| Net interest margin | 3.1686% | 5,087 |
| Noninterest income to average assets | 0.1440% | 6,313 |
| Noninterest expense to average assets | 1.7174% | 6,451 |
| Loan and lease loss provision to assets | 0.2206% | 1,650 |
| Net operating income to assets | 0.6727% | 3,999 |
| Return on assets (ROA) | 0.6728% | 4,142 |
| Pretax return on assets | 1.0899% | 3,155 |
| Return on Equity (ROE) | 5.7638% | 4,306 |
| Retained earnings to average equity (ytd only) | 0.4515% | 5,788 |
| Net charge-offs to loans | 0.2649% | 2,228 |
| Credit loss provision to net charge-offs | 103.1907% | 2,273 |
| Earnings coverage of net charge-offs (x) | 6.1298% | 3,039 |
| Efficiency ratio | 55.6523% | 5,954 |
| Assets per employee ($millions) | 10.5021% | 201 |
| Cash dividends to net income (ytd only)* | 92.1659% | 530 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8757% | 6,118 |
| Loan loss allowance to noncurrent loans | 331.1241% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3322% | 5,407 |
| Noncurrent loans to loans | 0.2645% | 5,568 |
| Net loans and leases to total assets | 81.1000% | 441 |
| Net loans and leases to deposits | 93.7065% | 846 |
| Net loans and leases to core deposits | 119.8814% | 326 |
| Total domestic deposits to total assets | 86.5469% | 2,935 |
| Equity capital to assets | 11.6049% | 2,216 |
| Core capital (leverage) ratio | 9.3753% | 4,570 |
| Tier 1 risk-based capital ratio | 10.2827% | 6,515 |
| Total risk-based capital ratio | 11.1167% | 6,593 |
| Memoranda: |
| Average total assets | $860,097,000 | 771 |
| Average earning assets | $782,782,250 | 775 |
| Average equity | $100,393,500 | 711 |
| Average total loans | $693,991,750 | 606 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.6555% | 5,273 |
| Cost of funding earning assets | 0.4905% | 3,986 |
| Net interest margin | 3.1650% | 5,069 |
| Noninterest income to average assets | 0.2067% | 5,966 |
| Noninterest expense to average assets | 1.7621% | 6,434 |
| Loan and lease loss provision to assets | 0.3623% | 913 |
| Net operating income to assets | 0.5989% | 4,286 |
| Return on assets (ROA) | 0.5989% | 4,472 |
| Pretax return on assets | 0.9624% | 3,672 |
| Return on Equity (ROE) | 5.1209% | 4,660 |
| Retained earnings to average equity (ytd only) | -2.8680% | 6,297 |
| Net charge-offs to loans | 0.2379% | 2,297 |
| Credit loss provision to net charge-offs | 189.6088% | 1,259 |
| Earnings coverage of net charge-offs (x) | 6.9328% | 2,626 |
| Efficiency ratio | 56.0348% | 5,963 |
| Assets per employee ($millions) | 9.7895% | 236 |
| Cash dividends to net income (ytd only)* | 156.0062% | 188 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9784% | 5,901 |
| Loan loss allowance to noncurrent loans | 301.9540% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4509% | 5,144 |
| Noncurrent loans to loans | 0.3240% | 5,485 |
| Net loans and leases to total assets | 81.6944% | 379 |
| Net loans and leases to deposits | 94.4138% | 782 |
| Net loans and leases to core deposits | 118.6185% | 336 |
| Total domestic deposits to total assets | 86.5279% | 3,102 |
| Equity capital to assets | 11.5277% | 2,269 |
| Core capital (leverage) ratio | 9.2145% | 4,673 |
| Tier 1 risk-based capital ratio | 10.0704% | 6,616 |
| Total risk-based capital ratio | 11.0085% | 6,662 |
| Memoranda: |
| Average total assets | $856,236,670 | 775 |
| Average earning assets | $779,148,330 | 777 |
| Average equity | $100,139,000 | 717 |
| Average total loans | $687,597,000 | 607 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.7073% | 5,134 |
| Cost of funding earning assets | 0.5188% | 3,894 |
| Net interest margin | 3.1884% | 4,964 |
| Noninterest income to average assets | 0.1682% | 6,253 |
| Noninterest expense to average assets | 1.7296% | 6,522 |
| Loan and lease loss provision to assets | 0.7390% | 316 |
| Net operating income to assets | 0.3777% | 5,221 |
| Return on assets (ROA) | 0.3777% | 5,359 |
| Pretax return on assets | 0.5937% | 4,969 |
| Return on Equity (ROE) | 3.2062% | 5,488 |
| Retained earnings to average equity (ytd only) | -4.7497% | 6,345 |
| Net charge-offs to loans | 0.3515% | 1,593 |
| Credit loss provision to net charge-offs | 265.4882% | 879 |
| Earnings coverage of net charge-offs (x) | 4.7879% | 2,473 |
| Efficiency ratio | 55.4093% | 6,119 |
| Assets per employee ($millions) | 10.7306% | 183 |
| Cash dividends to net income (ytd only)* | 248.1390% | 141 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0599% | 5,751 |
| Loan loss allowance to noncurrent loans | 203.3850% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6199% | 4,834 |
| Noncurrent loans to loans | 0.5211% | 5,134 |
| Net loans and leases to total assets | 79.3956% | 481 |
| Net loans and leases to deposits | 92.1318% | 793 |
| Net loans and leases to core deposits | 117.5293% | 317 |
| Total domestic deposits to total assets | 86.1760% | 3,435 |
| Equity capital to assets | 11.7911% | 2,182 |
| Core capital (leverage) ratio | 9.1945% | 4,576 |
| Tier 1 risk-based capital ratio | 10.4874% | 6,581 |
| Total risk-based capital ratio | 11.4973% | 6,639 |
| Memoranda: |
| Average total assets | $853,619,000 | 785 |
| Average earning assets | $774,798,000 | 790 |
| Average equity | $100,554,500 | 727 |
| Average total loans | $676,031,500 | 622 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9747% | 5,386 |
| Cost of funding earning assets | 0.7011% | 3,486 |
| Net interest margin | 3.2736% | 5,344 |
| Noninterest income to average assets | 0.1939% | 6,023 |
| Noninterest expense to average assets | 2.0354% | 6,266 |
| Loan and lease loss provision to assets | 0.4421% | 1,431 |
| Net operating income to assets | 0.4094% | 5,060 |
| Return on assets (ROA) | 0.4116% | 5,310 |
| Pretax return on assets | 0.6505% | 4,825 |
| Return on Equity (ROE) | 3.3919% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.4025% | 5,174 |
| Net charge-offs to loans | 0.7825% | 1,494 |
| Credit loss provision to net charge-offs | 71.5514% | 4,112 |
| Earnings coverage of net charge-offs (x) | 1.7628% | 4,555 |
| Efficiency ratio | 64.0691% | 4,871 |
| Assets per employee ($millions) | 10.4820% | 201 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9290% | 6,197 |
| Loan loss allowance to noncurrent loans | 246.2904% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 4,767 |
| Noncurrent loans to loans | 0.3772% | 5,554 |
| Net loans and leases to total assets | 77.4341% | 736 |
| Net loans and leases to deposits | 89.8282% | 1,089 |
| Net loans and leases to core deposits | 114.4521% | 400 |
| Total domestic deposits to total assets | 86.2025% | 3,252 |
| Equity capital to assets | 11.7686% | 2,208 |
| Core capital (leverage) ratio | 9.4445% | 4,189 |
| Tier 1 risk-based capital ratio | 10.6151% | 6,508 |
| Total risk-based capital ratio | 11.4883% | 6,602 |
| Memoranda: |
| Average total assets | $828,378,600 | 794 |
| Average earning assets | $741,591,400 | 804 |
| Average equity | $100,533,000 | 707 |
| Average total loans | $654,048,000 | 633 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0404% | 5,395 |
| Cost of funding earning assets | 0.7318% | 3,499 |
| Net interest margin | 3.3086% | 5,360 |
| Noninterest income to average assets | 0.1581% | 6,359 |
| Noninterest expense to average assets | 2.0669% | 6,229 |
| Loan and lease loss provision to assets | 0.4956% | 1,239 |
| Net operating income to assets | 0.3530% | 5,422 |
| Return on assets (ROA) | 0.3560% | 5,618 |
| Pretax return on assets | 0.5571% | 5,282 |
| Return on Equity (ROE) | 2.9103% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.9103% | 4,811 |
| Net charge-offs to loans | 0.8709% | 1,263 |
| Credit loss provision to net charge-offs | 71.8831% | 3,858 |
| Earnings coverage of net charge-offs (x) | 1.5202% | 4,520 |
| Efficiency ratio | 65.2652% | 4,579 |
| Assets per employee ($millions) | 10.0256% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9968% | 6,095 |
| Loan loss allowance to noncurrent loans | 166.5131% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 4,071 |
| Noncurrent loans to loans | 0.5987% | 5,242 |
| Net loans and leases to total assets | 77.6281% | 772 |
| Net loans and leases to deposits | 90.6742% | 1,078 |
| Net loans and leases to core deposits | 117.8186% | 349 |
| Total domestic deposits to total assets | 85.6121% | 3,455 |
| Equity capital to assets | 12.2479% | 2,074 |
| Core capital (leverage) ratio | 9.6093% | 4,105 |
| Tier 1 risk-based capital ratio | 11.0261% | 6,469 |
| Total risk-based capital ratio | 11.9858% | 6,576 |
| Memoranda: |
| Average total assets | $820,592,500 | 809 |
| Average earning assets | $733,346,500 | 821 |
| Average equity | $100,377,750 | 712 |
| Average total loans | $649,608,750 | 641 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0434% | 5,506 |
| Cost of funding earning assets | 0.7672% | 3,464 |
| Net interest margin | 3.2762% | 5,517 |
| Noninterest income to average assets | 0.1751% | 6,304 |
| Noninterest expense to average assets | 2.1745% | 6,069 |
| Loan and lease loss provision to assets | 0.4408% | 1,472 |
| Net operating income to assets | 0.3068% | 5,591 |
| Return on assets (ROA) | 0.3112% | 5,787 |
| Pretax return on assets | 0.4822% | 5,489 |
| Return on Equity (ROE) | 2.5455% | 5,862 |
| Retained earnings to average equity (ytd only) | 2.5455% | 4,912 |
| Net charge-offs to loans | 0.6330% | 1,736 |
| Credit loss provision to net charge-offs | 87.6766% | 3,114 |
| Earnings coverage of net charge-offs (x) | 1.8222% | 4,068 |
| Efficiency ratio | 69.2576% | 3,887 |
| Assets per employee ($millions) | 9.9196% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1061% | 5,749 |
| Loan loss allowance to noncurrent loans | 134.0537% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4073% | 3,609 |
| Noncurrent loans to loans | 0.8251% | 4,867 |
| Net loans and leases to total assets | 79.8748% | 527 |
| Net loans and leases to deposits | 93.1948% | 839 |
| Net loans and leases to core deposits | 123.6642% | 260 |
| Total domestic deposits to total assets | 85.7073% | 3,504 |
| Equity capital to assets | 12.1019% | 2,071 |
| Core capital (leverage) ratio | 9.7082% | 3,823 |
| Tier 1 risk-based capital ratio | 10.6203% | 6,656 |
| Total risk-based capital ratio | 11.6869% | 6,705 |
| Memoranda: |
| Average total assets | $816,747,670 | 814 |
| Average earning assets | $726,821,000 | 831 |
| Average equity | $99,864,330 | 717 |
| Average total loans | $648,655,670 | 636 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0855% | 5,507 |
| Cost of funding earning assets | 0.8183% | 3,324 |
| Net interest margin | 3.2672% | 5,584 |
| Noninterest income to average assets | 0.0613% | 6,891 |
| Noninterest expense to average assets | 2.5177% | 5,091 |
| Loan and lease loss provision to assets | 0.6031% | 949 |
| Net operating income to assets | -0.0817% | 6,510 |
| Return on assets (ROA) | -0.0836% | 6,602 |
| Pretax return on assets | -0.1766% | 6,647 |
| Return on Equity (ROE) | -0.6802% | 6,600 |
| Retained earnings to average equity (ytd only) | -0.6802% | 6,105 |
| Net charge-offs to loans | 0.6523% | 1,500 |
| Credit loss provision to net charge-offs | 117.4374% | 2,016 |
| Earnings coverage of net charge-offs (x) | 0.8362% | 3,909 |
| Efficiency ratio | 84.2538% | 1,659 |
| Assets per employee ($millions) | 10.5772% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2192% | 5,402 |
| Loan loss allowance to noncurrent loans | 95.8511% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.9300% | 3,002 |
| Noncurrent loans to loans | 1.2720% | 4,201 |
| Net loans and leases to total assets | 77.3653% | 652 |
| Net loans and leases to deposits | 90.4090% | 931 |
| Net loans and leases to core deposits | 122.4567% | 280 |
| Total domestic deposits to total assets | 85.5726% | 3,755 |
| Equity capital to assets | 12.0311% | 2,017 |
| Core capital (leverage) ratio | 9.8781% | 3,530 |
| Tier 1 risk-based capital ratio | 10.7301% | 6,653 |
| Total risk-based capital ratio | 11.8914% | 6,681 |
| Memoranda: |
| Average total assets | $808,500,000 | 820 |
| Average earning assets | $714,130,000 | 842 |
| Average equity | $99,377,500 | 718 |
| Average total loans | $636,486,000 | 650 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5509% | 4,871 |
| Cost of funding earning assets | 1.1164% | 2,564 |
| Net interest margin | 3.4345% | 5,384 |
| Noninterest income to average assets | 0.2667% | 5,613 |
| Noninterest expense to average assets | 2.0096% | 6,656 |
| Loan and lease loss provision to assets | 0.8493% | 1,141 |
| Net operating income to assets | 0.2687% | 5,375 |
| Return on assets (ROA) | 0.2804% | 5,481 |
| Pretax return on assets | 0.4372% | 5,180 |
| Return on Equity (ROE) | 2.2511% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.2511% | 4,608 |
| Net charge-offs to loans | 0.9514% | 1,823 |
| Credit loss provision to net charge-offs | 115.2998% | 2,829 |
| Earnings coverage of net charge-offs (x) | 1.7216% | 4,485 |
| Efficiency ratio | 60.1991% | 5,725 |
| Assets per employee ($millions) | 9.5419% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2280% | 5,265 |
| Loan loss allowance to noncurrent loans | 93.3309% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 2.2371% | 2,696 |
| Noncurrent loans to loans | 1.3157% | 4,175 |
| Net loans and leases to total assets | 78.1734% | 692 |
| Net loans and leases to deposits | 92.0964% | 961 |
| Net loans and leases to core deposits | 114.7000% | 475 |
| Total domestic deposits to total assets | 84.8822% | 3,910 |
| Equity capital to assets | 12.5630% | 1,764 |
| Core capital (leverage) ratio | 9.9410% | 3,401 |
| Tier 1 risk-based capital ratio | 11.0327% | 6,438 |
| Total risk-based capital ratio | 12.1985% | 6,461 |
| Memoranda: |
| Average total assets | $763,083,800 | 862 |
| Average earning assets | $669,012,200 | 890 |
| Average equity | $95,065,400 | 721 |
| Average total loans | $590,792,600 | 709 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6559% | 4,651 |
| Cost of funding earning assets | 1.1698% | 2,508 |
| Net interest margin | 3.4860% | 5,240 |
| Noninterest income to average assets | 0.2951% | 5,502 |
| Noninterest expense to average assets | 2.0760% | 6,541 |
| Loan and lease loss provision to assets | 0.9222% | 961 |
| Net operating income to assets | 0.2355% | 5,603 |
| Return on assets (ROA) | 0.2501% | 5,715 |
| Pretax return on assets | 0.3845% | 5,517 |
| Return on Equity (ROE) | 2.0122% | 5,772 |
| Retained earnings to average equity (ytd only) | 2.0122% | 5,130 |
| Net charge-offs to loans | 1.0810% | 1,476 |
| Credit loss provision to net charge-offs | 110.8332% | 2,969 |
| Earnings coverage of net charge-offs (x) | 1.5434% | 4,479 |
| Efficiency ratio | 60.6856% | 5,609 |
| Assets per employee ($millions) | 9.8199% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2039% | 5,443 |
| Loan loss allowance to noncurrent loans | 183.3084% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 1.7451% | 3,481 |
| Noncurrent loans to loans | 0.6567% | 5,575 |
| Net loans and leases to total assets | 75.8023% | 1,006 |
| Net loans and leases to deposits | 90.2851% | 1,178 |
| Net loans and leases to core deposits | 112.7367% | 586 |
| Total domestic deposits to total assets | 83.9588% | 4,248 |
| Equity capital to assets | 11.9292% | 2,307 |
| Core capital (leverage) ratio | 9.3822% | 4,332 |
| Tier 1 risk-based capital ratio | 10.5119% | 6,772 |
| Total risk-based capital ratio | 11.6390% | 6,808 |
| Memoranda: |
| Average total assets | $755,860,250 | 871 |
| Average earning assets | $664,577,500 | 898 |
| Average equity | $93,957,750 | 734 |
| Average total loans | $581,787,500 | 732 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7622% | 4,240 |
| Cost of funding earning assets | 1.2102% | 2,503 |
| Net interest margin | 3.5521% | 4,914 |
| Noninterest income to average assets | 0.2755% | 5,679 |
| Noninterest expense to average assets | 2.2395% | 6,277 |
| Loan and lease loss provision to assets | 0.9700% | 911 |
| Net operating income to assets | 0.1374% | 5,915 |
| Return on assets (ROA) | 0.1602% | 5,953 |
| Pretax return on assets | 0.2324% | 5,856 |
| Return on Equity (ROE) | 1.2707% | 6,013 |
| Retained earnings to average equity (ytd only) | 1.2707% | 5,345 |
| Net charge-offs to loans | 0.9226% | 1,685 |
| Credit loss provision to net charge-offs | 136.4394% | 2,236 |
| Earnings coverage of net charge-offs (x) | 1.6447% | 4,061 |
| Efficiency ratio | 64.5995% | 5,132 |
| Assets per employee ($millions) | 8.8045% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3610% | 4,768 |
| Loan loss allowance to noncurrent loans | 91.7853% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 2.0423% | 3,181 |
| Noncurrent loans to loans | 1.4828% | 4,202 |
| Net loans and leases to total assets | 72.9518% | 1,602 |
| Net loans and leases to deposits | 85.4697% | 1,866 |
| Net loans and leases to core deposits | 108.6665% | 775 |
| Total domestic deposits to total assets | 85.3540% | 3,700 |
| Equity capital to assets | 12.1345% | 2,007 |
| Core capital (leverage) ratio | 9.8176% | 3,494 |
| Tier 1 risk-based capital ratio | 11.0490% | 6,486 |
| Total risk-based capital ratio | 12.2982% | 6,474 |
| Memoranda: |
| Average total assets | $742,675,330 | 900 |
| Average earning assets | $655,112,670 | 923 |
| Average equity | $93,648,000 | 731 |
| Average total loans | $572,286,670 | 756 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9714% | 3,244 |
| Cost of funding earning assets | 1.2547% | 2,472 |
| Net interest margin | 3.7167% | 4,013 |
| Noninterest income to average assets | 0.3297% | 5,270 |
| Noninterest expense to average assets | 2.0649% | 6,703 |
| Loan and lease loss provision to assets | 0.9755% | 797 |
| Net operating income to assets | 0.3694% | 5,080 |
| Return on assets (ROA) | 0.3694% | 5,163 |
| Pretax return on assets | 0.5753% | 4,784 |
| Return on Equity (ROE) | 2.8717% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.8717% | 4,440 |
| Net charge-offs to loans | 0.9862% | 1,371 |
| Credit loss provision to net charge-offs | 125.6738% | 2,190 |
| Earnings coverage of net charge-offs (x) | 1.9979% | 3,314 |
| Efficiency ratio | 56.0445% | 6,502 |
| Assets per employee ($millions) | 8.5967% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2755% | 5,267 |
| Loan loss allowance to noncurrent loans | 113.7462% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 2.0282% | 3,283 |
| Noncurrent loans to loans | 1.1213% | 4,830 |
| Net loans and leases to total assets | 77.1652% | 854 |
| Net loans and leases to deposits | 93.1821% | 901 |
| Net loans and leases to core deposits | 117.7986% | 480 |
| Total domestic deposits to total assets | 82.8112% | 4,992 |
| Equity capital to assets | 12.9919% | 1,388 |
| Core capital (leverage) ratio | 9.8669% | 3,318 |
| Tier 1 risk-based capital ratio | 11.2778% | 6,279 |
| Total risk-based capital ratio | 12.4781% | 6,296 |
| Memoranda: |
| Average total assets | $726,614,000 | 920 |
| Average earning assets | $642,391,500 | 947 |
| Average equity | $93,463,000 | 726 |
| Average total loans | $571,916,000 | 766 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0281% | 4,422 |
| Cost of funding earning assets | 1.5240% | 2,507 |
| Net interest margin | 3.5041% | 5,234 |
| Noninterest income to average assets | 0.1223% | 6,793 |
| Noninterest expense to average assets | 1.9416% | 7,105 |
| Loan and lease loss provision to assets | 1.2060% | 1,295 |
| Net operating income to assets | 0.0740% | 5,652 |
| Return on assets (ROA) | 0.1164% | 5,687 |
| Pretax return on assets | 0.1504% | 5,595 |
| Return on Equity (ROE) | 0.9720% | 5,706 |
| Retained earnings to average equity (ytd only) | 0.9720% | 5,063 |
| Net charge-offs to loans | 1.5442% | 1,423 |
| Credit loss provision to net charge-offs | 101.4550% | 4,472 |
| Earnings coverage of net charge-offs (x) | 1.0948% | 5,017 |
| Efficiency ratio | 58.6850% | 6,250 |
| Assets per employee ($millions) | 8.5013% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1800% | 5,605 |
| Loan loss allowance to noncurrent loans | 80.3975% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 1.9795% | 3,374 |
| Noncurrent loans to loans | 1.4677% | 4,284 |
| Net loans and leases to total assets | 78.3155% | 894 |
| Net loans and leases to deposits | 95.9691% | 873 |
| Net loans and leases to core deposits | 121.0719% | 503 |
| Total domestic deposits to total assets | 81.6049% | 5,322 |
| Equity capital to assets | 12.7353% | 1,509 |
| Core capital (leverage) ratio | 9.8384% | 3,276 |
| Tier 1 risk-based capital ratio | 10.8366% | 6,458 |
| Total risk-based capital ratio | 11.9559% | 6,532 |
| Memoranda: |
| Average total assets | $722,696,400 | 924 |
| Average earning assets | $643,625,400 | 942 |
| Average equity | $86,523,800 | 772 |
| Average total loans | $556,336,600 | 812 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0563% | 4,562 |
| Cost of funding earning assets | 1.5673% | 2,564 |
| Net interest margin | 3.4890% | 5,342 |
| Noninterest income to average assets | 0.1610% | 6,712 |
| Noninterest expense to average assets | 1.8568% | 7,259 |
| Loan and lease loss provision to assets | 1.2517% | 1,124 |
| Net operating income to assets | 0.1063% | 5,759 |
| Return on assets (ROA) | 0.1532% | 5,790 |
| Pretax return on assets | 0.2446% | 5,624 |
| Return on Equity (ROE) | 1.3007% | 5,819 |
| Retained earnings to average equity (ytd only) | 1.3007% | 5,290 |
| Net charge-offs to loans | 1.3593% | 1,491 |
| Credit loss provision to net charge-offs | 120.5238% | 3,419 |
| Earnings coverage of net charge-offs (x) | 1.3702% | 4,708 |
| Efficiency ratio | 55.4327% | 6,629 |
| Assets per employee ($millions) | 8.4365% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3479% | 4,716 |
| Loan loss allowance to noncurrent loans | 111.9663% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8680% | 3,647 |
| Noncurrent loans to loans | 1.2038% | 4,834 |
| Net loans and leases to total assets | 76.8831% | 1,239 |
| Net loans and leases to deposits | 91.6084% | 1,501 |
| Net loans and leases to core deposits | 101.5620% | 1,698 |
| Total domestic deposits to total assets | 83.9259% | 4,169 |
| Equity capital to assets | 12.7491% | 1,717 |
| Core capital (leverage) ratio | 9.7934% | 3,498 |
| Tier 1 risk-based capital ratio | 11.0317% | 6,344 |
| Total risk-based capital ratio | 12.2808% | 6,326 |
| Memoranda: |
| Average total assets | $720,593,500 | 929 |
| Average earning assets | $644,142,750 | 947 |
| Average equity | $84,877,500 | 779 |
| Average total loans | $550,568,750 | 824 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1161% | 4,369 |
| Cost of funding earning assets | 1.5786% | 2,781 |
| Net interest margin | 3.5375% | 5,101 |
| Noninterest income to average assets | 0.1461% | 6,855 |
| Noninterest expense to average assets | 1.8427% | 7,342 |
| Loan and lease loss provision to assets | 1.2805% | 1,084 |
| Net operating income to assets | 0.1206% | 5,805 |
| Return on assets (ROA) | 0.1215% | 5,911 |
| Pretax return on assets | 0.1905% | 5,789 |
| Return on Equity (ROE) | 1.0613% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.0613% | 5,339 |
| Net charge-offs to loans | 1.9337% | 947 |
| Credit loss provision to net charge-offs | 87.2668% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1.0015% | 4,786 |
| Efficiency ratio | 54.4604% | 6,822 |
| Assets per employee ($millions) | 8.1085% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1042% | 5,917 |
| Loan loss allowance to noncurrent loans | 199.5707% | 1,417 |
| Noncurrent assets plus other real estate owned to assets | 1.4256% | 4,336 |
| Noncurrent loans to loans | 0.5533% | 6,142 |
| Net loans and leases to total assets | 75.0006% | 1,698 |
| Net loans and leases to deposits | 87.9607% | 2,171 |
| Net loans and leases to core deposits | 97.1624% | 2,312 |
| Total domestic deposits to total assets | 85.2661% | 3,482 |
| Equity capital to assets | 11.8647% | 2,172 |
| Core capital (leverage) ratio | 8.9200% | 4,724 |
| Tier 1 risk-based capital ratio | 10.2078% | 6,904 |
| Total risk-based capital ratio | 11.2423% | 7,008 |
| Memoranda: |
| Average total assets | $716,133,330 | 939 |
| Average earning assets | $640,958,670 | 956 |
| Average equity | $81,978,330 | 799 |
| Average total loans | $543,421,000 | 842 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0650% | 4,707 |
| Cost of funding earning assets | 1.6074% | 2,917 |
| Net interest margin | 3.4575% | 5,343 |
| Noninterest income to average assets | 0.1497% | 6,899 |
| Noninterest expense to average assets | 1.8739% | 7,374 |
| Loan and lease loss provision to assets | 1.7803% | 639 |
| Net operating income to assets | -0.2339% | 6,582 |
| Return on assets (ROA) | -0.2321% | 6,652 |
| Pretax return on assets | -0.4020% | 6,718 |
| Return on Equity (ROE) | -2.0660% | 6,644 |
| Retained earnings to average equity (ytd only) | -2.0660% | 6,221 |
| Net charge-offs to loans | 2.4798% | 663 |
| Credit loss provision to net charge-offs | 94.5785% | 3,555 |
| Earnings coverage of net charge-offs (x) | 0.7307% | 4,374 |
| Efficiency ratio | 56.4797% | 6,701 |
| Assets per employee ($millions) | 8.9071% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1982% | 5,514 |
| Loan loss allowance to noncurrent loans | 122.5371% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 1.6591% | 3,980 |
| Noncurrent loans to loans | 0.9778% | 5,372 |
| Net loans and leases to total assets | 74.6333% | 1,824 |
| Net loans and leases to deposits | 89.0206% | 2,061 |
| Net loans and leases to core deposits | 115.5013% | 973 |
| Total domestic deposits to total assets | 83.8382% | 4,228 |
| Equity capital to assets | 11.3154% | 2,489 |
| Core capital (leverage) ratio | 8.4080% | 5,546 |
| Tier 1 risk-based capital ratio | 9.6109% | 7,242 |
| Total risk-based capital ratio | 10.7340% | 7,308 |
| Memoranda: |
| Average total assets | $713,373,000 | 967 |
| Average earning assets | $639,528,000 | 979 |
| Average equity | $80,156,500 | 825 |
| Average total loans | $541,487,500 | 869 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4877% | 4,210 |
| Cost of funding earning assets | 2.2172% | 1,959 |
| Net interest margin | 3.2705% | 5,856 |
| Noninterest income to average assets | 0.0424% | 7,533 |
| Noninterest expense to average assets | 1.8377% | 7,575 |
| Loan and lease loss provision to assets | 1.1510% | 1,985 |
| Net operating income to assets | -0.0138% | 5,511 |
| Return on assets (ROA) | -0.0142% | 5,562 |
| Pretax return on assets | -0.0473% | 5,517 |
| Return on Equity (ROE) | -0.1234% | 5,555 |
| Retained earnings to average equity (ytd only) | -0.1234% | 4,966 |
| Net charge-offs to loans | 1.0544% | 2,301 |
| Credit loss provision to net charge-offs | 140.7878% | 3,451 |
| Earnings coverage of net charge-offs (x) | 1.3509% | 4,783 |
| Efficiency ratio | 61.0593% | 6,322 |
| Assets per employee ($millions) | 8.4973% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2476% | 5,072 |
| Loan loss allowance to noncurrent loans | 117.2607% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 1.5208% | 4,098 |
| Noncurrent loans to loans | 1.0640% | 5,192 |
| Net loans and leases to total assets | 75.3288% | 1,958 |
| Net loans and leases to deposits | 87.8752% | 2,574 |
| Net loans and leases to core deposits | 129.2000% | 1,325 |
| Total domestic deposits to total assets | 85.7225% | 3,153 |
| Equity capital to assets | 11.1553% | 2,574 |
| Core capital (leverage) ratio | 8.6403% | 5,030 |
| Tier 1 risk-based capital ratio | 9.2613% | 7,355 |
| Total risk-based capital ratio | 10.4274% | 7,392 |
| Memoranda: |
| Average total assets | $673,828,600 | 1,023 |
| Average earning assets | $597,427,400 | 1,048 |
| Average equity | $77,822,400 | 825 |
| Average total loans | $522,474,800 | 911 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5014% | 4,414 |
| Cost of funding earning assets | 2.3688% | 1,748 |
| Net interest margin | 3.1326% | 6,223 |
| Noninterest income to average assets | 0.0985% | 7,412 |
| Noninterest expense to average assets | 1.8573% | 7,600 |
| Loan and lease loss provision to assets | 0.9031% | 2,128 |
| Net operating income to assets | 0.0804% | 5,527 |
| Return on assets (ROA) | 0.0797% | 5,575 |
| Pretax return on assets | 0.1073% | 5,508 |
| Return on Equity (ROE) | 0.6837% | 5,581 |
| Retained earnings to average equity (ytd only) | 0.6837% | 4,903 |
| Net charge-offs to loans | 0.7492% | 2,488 |
| Credit loss provision to net charge-offs | 154.8044% | 3,092 |
| Earnings coverage of net charge-offs (x) | 1.7337% | 4,499 |
| Efficiency ratio | 63.2842% | 5,876 |
| Assets per employee ($millions) | 8.3089% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1441% | 5,448 |
| Loan loss allowance to noncurrent loans | 45.2420% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.1367% | 3,179 |
| Noncurrent loans to loans | 2.5288% | 2,981 |
| Net loans and leases to total assets | 76.8154% | 1,816 |
| Net loans and leases to deposits | 90.0915% | 2,563 |
| Net loans and leases to core deposits | 126.5905% | 1,692 |
| Total domestic deposits to total assets | 85.2637% | 3,093 |
| Equity capital to assets | 11.6255% | 2,489 |
| Core capital (leverage) ratio | 8.4951% | 5,506 |
| Tier 1 risk-based capital ratio | 9.4203% | 7,426 |
| Total risk-based capital ratio | 10.4846% | 7,514 |
| Memoranda: |
| Average total assets | $665,967,750 | 1,049 |
| Average earning assets | $588,931,500 | 1,086 |
| Average equity | $77,609,250 | 843 |
| Average total loans | $518,597,250 | 936 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4001% | 5,152 |
| Cost of funding earning assets | 2.4936% | 1,637 |
| Net interest margin | 2.9065% | 6,787 |
| Noninterest income to average assets | 0.1640% | 7,107 |
| Noninterest expense to average assets | 1.8652% | 7,664 |
| Loan and lease loss provision to assets | 0.2300% | 4,744 |
| Net operating income to assets | 0.3938% | 4,538 |
| Return on assets (ROA) | 0.3928% | 4,647 |
| Pretax return on assets | 0.6298% | 4,235 |
| Return on Equity (ROE) | 3.3681% | 4,759 |
| Retained earnings to average equity (ytd only) | 3.3681% | 3,447 |
| Net charge-offs to loans | 0.2249% | 4,089 |
| Credit loss provision to net charge-offs | 131.2608% | 3,552 |
| Earnings coverage of net charge-offs (x) | 4.9154% | 2,961 |
| Efficiency ratio | 66.8665% | 5,393 |
| Assets per employee ($millions) | 7.9293% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9027% | 6,756 |
| Loan loss allowance to noncurrent loans | 56.5936% | 4,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7000% | 3,627 |
| Noncurrent loans to loans | 1.5950% | 4,105 |
| Net loans and leases to total assets | 77.8787% | 1,770 |
| Net loans and leases to deposits | 91.6115% | 2,545 |
| Net loans and leases to core deposits | 125.3306% | 1,922 |
| Total domestic deposits to total assets | 85.0097% | 3,257 |
| Equity capital to assets | 11.7813% | 2,336 |
| Core capital (leverage) ratio | 8.5919% | 5,277 |
| Tier 1 risk-based capital ratio | 9.8041% | 7,134 |
| Total risk-based capital ratio | 10.6608% | 7,431 |
| Memoranda: |
| Average total assets | $660,846,670 | 1,078 |
| Average earning assets | $582,616,330 | 1,116 |
| Average equity | $77,076,330 | 861 |
| Average total loans | $514,988,330 | 964 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4836% | 4,991 |
| Cost of funding earning assets | 2.6556% | 1,391 |
| Net interest margin | 2.8280% | 6,928 |
| Noninterest income to average assets | 0.0972% | 7,562 |
| Noninterest expense to average assets | 1.8012% | 7,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4772% | 4,533 |
| Return on assets (ROA) | 0.4752% | 4,728 |
| Pretax return on assets | 0.7651% | 4,207 |
| Return on Equity (ROE) | 4.0954% | 4,888 |
| Retained earnings to average equity (ytd only) | 4.0954% | 3,622 |
| Net charge-offs to loans | 0.0760% | 4,419 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 13.0309% | 1,762 |
| Efficiency ratio | 68.4484% | 4,879 |
| Assets per employee ($millions) | 8.7309% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8534% | 6,952 |
| Loan loss allowance to noncurrent loans | 80.7518% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 1.2574% | 4,158 |
| Noncurrent loans to loans | 1.0568% | 4,874 |
| Net loans and leases to total assets | 76.8537% | 2,075 |
| Net loans and leases to deposits | 90.2385% | 2,887 |
| Net loans and leases to core deposits | 118.2689% | 2,573 |
| Total domestic deposits to total assets | 85.1673% | 3,125 |
| Equity capital to assets | 11.6129% | 2,515 |
| Core capital (leverage) ratio | 8.6818% | 5,181 |
| Tier 1 risk-based capital ratio | 9.6888% | 7,267 |
| Total risk-based capital ratio | 10.4953% | 7,616 |
| Memoranda: |
| Average total assets | $658,238,000 | 1,081 |
| Average earning assets | $575,388,000 | 1,132 |
| Average equity | $76,379,000 | 870 |
| Average total loans | $510,759,000 | 978 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0381% | 5,377 |
| Cost of funding earning assets | 3.3522% | 803 |
| Net interest margin | 2.6859% | 7,520 |
| Noninterest income to average assets | 0.2949% | 6,352 |
| Noninterest expense to average assets | 1.7619% | 7,796 |
| Loan and lease loss provision to assets | 0.4361% | 3,110 |
| Net operating income to assets | 0.2836% | 5,595 |
| Return on assets (ROA) | 0.2849% | 5,405 |
| Pretax return on assets | 0.4458% | 5,134 |
| Return on Equity (ROE) | 2.3355% | 5,486 |
| Retained earnings to average equity (ytd only) | -0.6833% | 5,506 |
| Net charge-offs to loans | 0.2125% | 4,086 |
| Credit loss provision to net charge-offs | 257.6657% | 1,798 |
| Earnings coverage of net charge-offs (x) | 5.1988% | 3,724 |
| Efficiency ratio | 64.9094% | 5,345 |
| Assets per employee ($millions) | 8.5893% | 388 |
| Cash dividends to net income (ytd only)* | 129.2597% | 595 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9081% | 6,630 |
| Loan loss allowance to noncurrent loans | 156.2586% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.9600% | 4,431 |
| Noncurrent loans to loans | 0.5811% | 5,628 |
| Net loans and leases to total assets | 76.9727% | 2,386 |
| Net loans and leases to deposits | 91.8674% | 3,168 |
| Net loans and leases to core deposits | 119.4987% | 2,742 |
| Total domestic deposits to total assets | 83.7868% | 3,438 |
| Equity capital to assets | 11.5938% | 2,576 |
| Core capital (leverage) ratio | 8.5716% | 5,444 |
| Tier 1 risk-based capital ratio | 9.4801% | 7,332 |
| Total risk-based capital ratio | 10.3494% | 7,681 |
| Memoranda: |
| Average total assets | $597,407,200 | 1,130 |
| Average earning assets | $521,983,200 | 1,181 |
| Average equity | $72,876,600 | 914 |
| Average total loans | $475,843,800 | 1,015 |
