Home > Union Savings Bank > Performance and Condition Ratios
Union Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 3,711 |
| Cost of funding earning assets | 1.4661% | 2,030 |
| Net interest margin | 2.6903% | 3,832 |
| Noninterest income to average assets | 0.6000% | 1,526 |
| Noninterest expense to average assets | 2.3624% | 2,687 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5141% | 3,639 |
| Return on assets (ROA) | 0.3791% | 3,908 |
| Pretax return on assets | 0.4646% | 3,872 |
| Return on Equity (ROE) | 4.9300% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.9307% | 2,621 |
| Net charge-offs to loans | 0.0804% | 1,057 |
| Credit loss provision to net charge-offs | 17.0256% | 2,323 |
| Earnings coverage of net charge-offs (x) | 13.0532% | 2,123 |
| Efficiency ratio | 78.6421% | 1,019 |
| Assets per employee ($millions) | 8.4359% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 2,773 |
| Loan loss allowance to noncurrent loans | 131.0662% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.5510% | 1,016 |
| Noncurrent loans to loans | 0.8486% | 901 |
| Net loans and leases to total assets | 63.5400% | 2,504 |
| Net loans and leases to deposits | 87.2705% | 1,510 |
| Net loans and leases to core deposits | 91.7564% | 1,923 |
| Total domestic deposits to total assets | 72.8100% | 4,178 |
| Equity capital to assets | 8.3997% | 3,119 |
| Core capital (leverage) ratio | 10.9388% | 2,000 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,023,284,000 | 394 |
| Average earning assets | $2,704,376,200 | 394 |
| Average equity | $232,443,800 | 474 |
| Average total loans | $1,847,658,600 | 430 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0726% | 3,703 |
| Cost of funding earning assets | 1.3194% | 2,097 |
| Net interest margin | 2.7532% | 3,800 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.3352% | 2,690 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5557% | 3,651 |
| Return on assets (ROA) | 0.5557% | 3,637 |
| Pretax return on assets | 0.6916% | 3,570 |
| Return on Equity (ROE) | 7.4000% | 3,330 |
| Retained earnings to average equity (ytd only) | 7.3975% | 2,174 |
| Net charge-offs to loans | -0.0277% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.5925% | 1,123 |
| Assets per employee ($millions) | 8.5841% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 2,108 |
| Loan loss allowance to noncurrent loans | 225.5562% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3423% | 1,659 |
| Noncurrent loans to loans | 0.5537% | 1,443 |
| Net loans and leases to total assets | 60.5100% | 2,792 |
| Net loans and leases to deposits | 86.1092% | 1,559 |
| Net loans and leases to core deposits | 88.3947% | 2,030 |
| Total domestic deposits to total assets | 70.2800% | 4,318 |
| Equity capital to assets | 7.1152% | 3,560 |
| Core capital (leverage) ratio | 11.0291% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,026,196,500 | 397 |
| Average earning assets | $2,703,183,500 | 397 |
| Average equity | $227,313,000 | 482 |
| Average total loans | $1,825,763,250 | 434 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,738 |
| Cost of funding earning assets | 1.1620% | 2,101 |
| Net interest margin | 2.8144% | 3,799 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.3114% | 2,765 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.5990% | 3,572 |
| Return on assets (ROA) | 0.5990% | 3,579 |
| Pretax return on assets | 0.7464% | 3,509 |
| Return on Equity (ROE) | 7.8300% | 3,283 |
| Retained earnings to average equity (ytd only) | 7.8333% | 2,023 |
| Net charge-offs to loans | -0.0332% | 4,270 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.7786% | 1,278 |
| Assets per employee ($millions) | 8.4629% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 1,989 |
| Loan loss allowance to noncurrent loans | 221.9886% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 1,505 |
| Noncurrent loans to loans | 0.5790% | 1,289 |
| Net loans and leases to total assets | 59.5900% | 2,811 |
| Net loans and leases to deposits | 82.1516% | 1,814 |
| Net loans and leases to core deposits | 83.9191% | 2,216 |
| Total domestic deposits to total assets | 72.5300% | 4,271 |
| Equity capital to assets | 7.6240% | 3,452 |
| Core capital (leverage) ratio | 11.0847% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,010,562,667 | 388 |
| Average earning assets | $2,688,519,000 | 388 |
| Average equity | $230,198,000 | 468 |
| Average total loans | $1,806,621,667 | 425 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8671% | 3,743 |
| Cost of funding earning assets | 1.0050% | 2,032 |
| Net interest margin | 2.8620% | 3,847 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.2811% | 2,870 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6585% | 3,563 |
| Return on assets (ROA) | 0.6585% | 3,517 |
| Pretax return on assets | 0.8218% | 3,419 |
| Return on Equity (ROE) | 8.6000% | 3,154 |
| Retained earnings to average equity (ytd only) | 8.5988% | 2,059 |
| Net charge-offs to loans | -0.0194% | 4,092 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 72.7358% | 1,470 |
| Assets per employee ($millions) | 8.7676% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,214 |
| Loan loss allowance to noncurrent loans | 212.5242% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3593% | 1,434 |
| Noncurrent loans to loans | 0.5954% | 1,250 |
| Net loans and leases to total assets | 59.5800% | 2,703 |
| Net loans and leases to deposits | 79.0353% | 1,893 |
| Net loans and leases to core deposits | 80.4393% | 2,226 |
| Total domestic deposits to total assets | 75.3800% | 4,199 |
| Equity capital to assets | 7.8228% | 3,369 |
| Core capital (leverage) ratio | 10.9912% | 1,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,005,208,000 | 402 |
| Average earning assets | $2,680,484,000 | 400 |
| Average equity | $230,126,000 | 479 |
| Average total loans | $1,798,090,000 | 434 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0522% | 4,070 |
| Cost of funding earning assets | 0.3173% | 2,740 |
| Net interest margin | 2.7349% | 4,003 |
| Noninterest income to average assets | 0.6100% | 1,605 |
| Noninterest expense to average assets | 2.1986% | 3,031 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7059% | 3,606 |
| Return on assets (ROA) | 0.6666% | 3,668 |
| Pretax return on assets | 0.8274% | 3,557 |
| Return on Equity (ROE) | 8.0400% | 3,382 |
| Retained earnings to average equity (ytd only) | 8.0399% | 1,811 |
| Net charge-offs to loans | -0.0531% | 4,366 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.5113% | 1,498 |
| Assets per employee ($millions) | 8.5793% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0625% | 3,071 |
| Loan loss allowance to noncurrent loans | 155.1323% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 1,267 |
| Noncurrent loans to loans | 0.6849% | 1,092 |
| Net loans and leases to total assets | 58.6900% | 2,763 |
| Net loans and leases to deposits | 75.4567% | 2,136 |
| Net loans and leases to core deposits | 76.4729% | 2,386 |
| Total domestic deposits to total assets | 77.7700% | 4,113 |
| Equity capital to assets | 7.4902% | 3,391 |
| Core capital (leverage) ratio | 10.7289% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $3,071,592,600 | 387 |
| Average earning assets | $2,767,535,800 | 388 |
| Average equity | $254,680,600 | 432 |
| Average total loans | $1,756,057,400 | 417 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8640% | 4,106 |
| Cost of funding earning assets | 0.2023% | 3,245 |
| Net interest margin | 2.6618% | 4,001 |
| Noninterest income to average assets | 0.6000% | 1,705 |
| Noninterest expense to average assets | 2.1490% | 3,078 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6901% | 3,591 |
| Return on assets (ROA) | 0.6901% | 3,551 |
| Pretax return on assets | 0.8603% | 3,449 |
| Return on Equity (ROE) | 8.1300% | 3,287 |
| Retained earnings to average equity (ytd only) | 8.1331% | 1,948 |
| Net charge-offs to loans | -0.0795% | 4,427 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.4124% | 1,599 |
| Assets per employee ($millions) | 9.1733% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 3,207 |
| Loan loss allowance to noncurrent loans | 139.0231% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4391% | 1,239 |
| Noncurrent loans to loans | 0.7618% | 1,063 |
| Net loans and leases to total assets | 57.0300% | 2,793 |
| Net loans and leases to deposits | 71.9223% | 2,211 |
| Net loans and leases to core deposits | 72.7535% | 2,433 |
| Total domestic deposits to total assets | 79.3000% | 4,159 |
| Equity capital to assets | 6.9985% | 3,522 |
| Core capital (leverage) ratio | 10.3645% | 2,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $3,093,090,500 | 383 |
| Average earning assets | $2,802,123,750 | 385 |
| Average equity | $262,444,250 | 431 |
| Average total loans | $1,752,341,000 | 414 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6990% | 4,143 |
| Cost of funding earning assets | 0.1171% | 3,994 |
| Net interest margin | 2.5819% | 3,940 |
| Noninterest income to average assets | 0.6099% | 1,693 |
| Noninterest expense to average assets | 2.1012% | 3,141 |
| Loan and lease loss provision to assets | 0.0194% | 2,253 |
| Net operating income to assets | 0.6795% | 3,380 |
| Return on assets (ROA) | 0.6795% | 3,335 |
| Pretax return on assets | 0.8453% | 3,221 |
| Return on Equity (ROE) | 7.5657% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.5657% | 1,779 |
| Net charge-offs to loans | -0.0769% | 4,376 |
| Credit loss provision to net charge-offs | -44.8430% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8451% | 1,846 |
| Assets per employee ($millions) | 8.7696% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 3,279 |
| Loan loss allowance to noncurrent loans | 118.3130% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5206% | 1,095 |
| Noncurrent loans to loans | 0.9041% | 932 |
| Net loans and leases to total assets | 56.9681% | 2,644 |
| Net loans and leases to deposits | 69.5667% | 2,255 |
| Net loans and leases to core deposits | 70.4816% | 2,455 |
| Total domestic deposits to total assets | 81.8899% | 4,018 |
| Equity capital to assets | 8.1604% | 3,001 |
| Core capital (leverage) ratio | 10.4403% | 1,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,090,591,333 | 378 |
| Average earning assets | $2,820,184,667 | 379 |
| Average equity | $277,594,000 | 411 |
| Average total loans | $1,740,678,333 | 410 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5266% | 4,234 |
| Cost of funding earning assets | 0.1037% | 4,088 |
| Net interest margin | 2.4230% | 4,030 |
| Noninterest income to average assets | 0.5631% | 1,855 |
| Noninterest expense to average assets | 2.0264% | 3,366 |
| Loan and lease loss provision to assets | 0.0193% | 2,007 |
| Net operating income to assets | 0.5969% | 3,405 |
| Return on assets (ROA) | 0.5969% | 3,387 |
| Pretax return on assets | 0.7448% | 3,264 |
| Return on Equity (ROE) | 6.3586% | 3,234 |
| Retained earnings to average equity (ytd only) | 6.3586% | 2,126 |
| Net charge-offs to loans | -0.0530% | 4,274 |
| Credit loss provision to net charge-offs | -65.5022% | 2,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6161% | 1,895 |
| Assets per employee ($millions) | 9.0260% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,511 |
| Loan loss allowance to noncurrent loans | 87.1279% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6750% | 859 |
| Noncurrent loans to loans | 1.2103% | 729 |
| Net loans and leases to total assets | 54.8675% | 2,647 |
| Net loans and leases to deposits | 67.2613% | 2,220 |
| Net loans and leases to core deposits | 68.1968% | 2,439 |
| Total domestic deposits to total assets | 81.5736% | 4,139 |
| Equity capital to assets | 8.7144% | 2,960 |
| Core capital (leverage) ratio | 10.1571% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,105,593,500 | 380 |
| Average earning assets | $2,855,026,000 | 381 |
| Average equity | $291,512,500 | 406 |
| Average total loans | $1,729,812,000 | 413 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6269% | 4,385 |
| Cost of funding earning assets | 0.1473% | 4,006 |
| Net interest margin | 2.4796% | 4,218 |
| Noninterest income to average assets | 0.6027% | 2,142 |
| Noninterest expense to average assets | 2.1101% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6322% | 3,799 |
| Return on assets (ROA) | 0.6258% | 3,862 |
| Pretax return on assets | 0.7772% | 3,772 |
| Return on Equity (ROE) | 5.9868% | 3,777 |
| Retained earnings to average equity (ytd only) | 5.9868% | 2,366 |
| Net charge-offs to loans | -0.0437% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8822% | 1,419 |
| Assets per employee ($millions) | 9.0563% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 3,613 |
| Loan loss allowance to noncurrent loans | 69.7601% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 707 |
| Noncurrent loans to loans | 1.4836% | 614 |
| Net loans and leases to total assets | 55.3712% | 2,698 |
| Net loans and leases to deposits | 67.5269% | 2,351 |
| Net loans and leases to core deposits | 68.6952% | 2,583 |
| Total domestic deposits to total assets | 81.9988% | 3,967 |
| Equity capital to assets | 10.0666% | 2,594 |
| Core capital (leverage) ratio | 10.1620% | 2,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,949,099,200 | 379 |
| Average earning assets | $2,726,606,600 | 375 |
| Average equity | $308,260,800 | 392 |
| Average total loans | $1,788,905,200 | 395 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6558% | 4,451 |
| Cost of funding earning assets | 0.1579% | 4,035 |
| Net interest margin | 2.4979% | 4,278 |
| Noninterest income to average assets | 0.6066% | 2,194 |
| Noninterest expense to average assets | 2.0698% | 3,453 |
| Loan and lease loss provision to assets | 0.0549% | 1,887 |
| Net operating income to assets | 0.6376% | 3,931 |
| Return on assets (ROA) | 0.6387% | 3,990 |
| Pretax return on assets | 0.7922% | 3,905 |
| Return on Equity (ROE) | 6.0513% | 3,899 |
| Retained earnings to average equity (ytd only) | 6.0513% | 2,795 |
| Net charge-offs to loans | -0.0466% | 4,328 |
| Credit loss provision to net charge-offs | -190.4762% | 3,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9923% | 1,493 |
| Assets per employee ($millions) | 9.0569% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0953% | 3,460 |
| Loan loss allowance to noncurrent loans | 58.0825% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0585% | 607 |
| Noncurrent loans to loans | 1.8858% | 486 |
| Net loans and leases to total assets | 55.5146% | 2,784 |
| Net loans and leases to deposits | 68.5098% | 2,391 |
| Net loans and leases to core deposits | 69.6225% | 2,630 |
| Total domestic deposits to total assets | 81.0316% | 4,089 |
| Equity capital to assets | 10.1014% | 2,802 |
| Core capital (leverage) ratio | 10.1598% | 2,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,914,327,250 | 385 |
| Average earning assets | $2,693,908,500 | 382 |
| Average equity | $307,607,500 | 395 |
| Average total loans | $1,804,169,000 | 397 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6780% | 4,481 |
| Cost of funding earning assets | 0.1685% | 4,055 |
| Net interest margin | 2.5095% | 4,289 |
| Noninterest income to average assets | 0.6092% | 2,175 |
| Noninterest expense to average assets | 2.0864% | 3,424 |
| Loan and lease loss provision to assets | 0.0839% | 1,461 |
| Net operating income to assets | 0.6129% | 3,955 |
| Return on assets (ROA) | 0.6146% | 4,006 |
| Pretax return on assets | 0.7593% | 3,949 |
| Return on Equity (ROE) | 5.7339% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.7339% | 2,912 |
| Net charge-offs to loans | -0.0413% | 4,288 |
| Credit loss provision to net charge-offs | -317.4603% | 3,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2658% | 1,498 |
| Assets per employee ($millions) | 8.7144% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,673 |
| Loan loss allowance to noncurrent loans | 50.6659% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 532 |
| Noncurrent loans to loans | 2.0526% | 466 |
| Net loans and leases to total assets | 59.9919% | 2,428 |
| Net loans and leases to deposits | 72.7114% | 2,144 |
| Net loans and leases to core deposits | 73.8945% | 2,418 |
| Total domestic deposits to total assets | 82.5068% | 3,821 |
| Equity capital to assets | 10.4474% | 2,442 |
| Core capital (leverage) ratio | 10.4778% | 1,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,859,319,000 | 391 |
| Average earning assets | $2,641,674,667 | 386 |
| Average equity | $306,457,333 | 392 |
| Average total loans | $1,829,418,333 | 393 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7613% | 4,415 |
| Cost of funding earning assets | 0.1792% | 4,088 |
| Net interest margin | 2.5821% | 4,181 |
| Noninterest income to average assets | 0.6017% | 2,203 |
| Noninterest expense to average assets | 2.0860% | 3,467 |
| Loan and lease loss provision to assets | 0.0855% | 1,533 |
| Net operating income to assets | 0.6537% | 3,807 |
| Return on assets (ROA) | 0.6571% | 3,879 |
| Pretax return on assets | 0.8155% | 3,781 |
| Return on Equity (ROE) | 6.0503% | 3,848 |
| Retained earnings to average equity (ytd only) | 6.0503% | 2,879 |
| Net charge-offs to loans | -0.0043% | 3,338 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9322% | 1,711 |
| Assets per employee ($millions) | 8.5194% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,990 |
| Loan loss allowance to noncurrent loans | 47.2310% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.3053% | 542 |
| Noncurrent loans to loans | 2.0321% | 530 |
| Net loans and leases to total assets | 63.5073% | 2,103 |
| Net loans and leases to deposits | 78.9232% | 1,623 |
| Net loans and leases to core deposits | 80.3504% | 1,968 |
| Total domestic deposits to total assets | 80.4671% | 4,145 |
| Equity capital to assets | 10.5147% | 2,260 |
| Core capital (leverage) ratio | 10.7893% | 1,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,807,525,500 | 396 |
| Average earning assets | $2,589,066,500 | 391 |
| Average equity | $304,912,500 | 386 |
| Average total loans | $1,846,036,000 | 387 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2413% | 4,406 |
| Cost of funding earning assets | 0.3111% | 4,081 |
| Net interest margin | 2.9302% | 4,055 |
| Noninterest income to average assets | 0.7158% | 1,809 |
| Noninterest expense to average assets | 2.4024% | 3,128 |
| Loan and lease loss provision to assets | 0.1266% | 2,776 |
| Net operating income to assets | 0.6985% | 3,439 |
| Return on assets (ROA) | 0.6985% | 3,573 |
| Pretax return on assets | 0.8665% | 3,459 |
| Return on Equity (ROE) | 6.0186% | 3,581 |
| Retained earnings to average equity (ytd only) | 5.8833% | 1,851 |
| Net charge-offs to loans | 0.0460% | 2,145 |
| Credit loss provision to net charge-offs | 392.3358% | 1,454 |
| Earnings coverage of net charge-offs (x) | 30.7689% | 1,586 |
| Efficiency ratio | 70.7526% | 1,845 |
| Assets per employee ($millions) | 7.9752% | 1,049 |
| Cash dividends to net income (ytd only)* | 2.2485% | 3,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 4,105 |
| Loan loss allowance to noncurrent loans | 50.2512% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 1.2465% | 675 |
| Noncurrent loans to loans | 1.8440% | 668 |
| Net loans and leases to total assets | 66.8442% | 1,973 |
| Net loans and leases to deposits | 84.7589% | 1,385 |
| Net loans and leases to core deposits | 86.3738% | 1,841 |
| Total domestic deposits to total assets | 78.8640% | 4,218 |
| Equity capital to assets | 11.2246% | 2,078 |
| Core capital (leverage) ratio | 11.0063% | 1,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,546,800,600 | 390 |
| Average earning assets | $2,329,070,200 | 388 |
| Average equity | $295,581,800 | 372 |
| Average total loans | $1,786,935,200 | 381 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3498% | 4,413 |
| Cost of funding earning assets | 0.3460% | 4,077 |
| Net interest margin | 3.0038% | 3,970 |
| Noninterest income to average assets | 0.7203% | 1,737 |
| Noninterest expense to average assets | 2.4066% | 3,115 |
| Loan and lease loss provision to assets | 0.1307% | 2,716 |
| Net operating income to assets | 0.7459% | 3,297 |
| Return on assets (ROA) | 0.7459% | 3,401 |
| Pretax return on assets | 0.9258% | 3,311 |
| Return on Equity (ROE) | 6.3696% | 3,417 |
| Retained earnings to average equity (ytd only) | 6.3696% | 1,936 |
| Net charge-offs to loans | 0.0096% | 2,764 |
| Credit loss provision to net charge-offs | 1,914.0625% | 494 |
| Earnings coverage of net charge-offs (x) | 154.7344% | 585 |
| Efficiency ratio | 69.4940% | 1,960 |
| Assets per employee ($millions) | 8.0444% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 4,024 |
| Loan loss allowance to noncurrent loans | 95.2650% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6602% | 1,754 |
| Noncurrent loans to loans | 0.9605% | 1,566 |
| Net loans and leases to total assets | 67.3916% | 2,336 |
| Net loans and leases to deposits | 87.6781% | 1,524 |
| Net loans and leases to core deposits | 89.3125% | 2,035 |
| Total domestic deposits to total assets | 76.8626% | 4,342 |
| Equity capital to assets | 10.9714% | 2,417 |
| Core capital (leverage) ratio | 10.9974% | 1,894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,499,626,500 | 386 |
| Average earning assets | $2,282,433,750 | 384 |
| Average equity | $292,715,000 | 367 |
| Average total loans | $1,772,263,000 | 378 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4922% | 4,421 |
| Cost of funding earning assets | 0.4021% | 4,025 |
| Net interest margin | 3.0901% | 3,920 |
| Noninterest income to average assets | 0.7280% | 1,647 |
| Noninterest expense to average assets | 2.4413% | 3,138 |
| Loan and lease loss provision to assets | 0.1012% | 3,001 |
| Net operating income to assets | 0.8066% | 3,027 |
| Return on assets (ROA) | 0.8066% | 3,138 |
| Pretax return on assets | 1.0022% | 3,026 |
| Return on Equity (ROE) | 6.7284% | 3,237 |
| Retained earnings to average equity (ytd only) | 6.7284% | 1,764 |
| Net charge-offs to loans | 0.0252% | 2,213 |
| Credit loss provision to net charge-offs | 556.8182% | 1,157 |
| Earnings coverage of net charge-offs (x) | 60.7136% | 958 |
| Efficiency ratio | 68.8728% | 2,106 |
| Assets per employee ($millions) | 7.3747% | 1,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,192 |
| Loan loss allowance to noncurrent loans | 90.9375% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 1,823 |
| Noncurrent loans to loans | 0.9338% | 1,655 |
| Net loans and leases to total assets | 70.6363% | 1,932 |
| Net loans and leases to deposits | 90.0362% | 1,354 |
| Net loans and leases to core deposits | 91.8131% | 1,921 |
| Total domestic deposits to total assets | 78.4532% | 4,123 |
| Equity capital to assets | 11.4228% | 2,023 |
| Core capital (leverage) ratio | 11.4907% | 1,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,421,134,000 | 392 |
| Average earning assets | $2,206,909,000 | 389 |
| Average equity | $290,260,667 | 368 |
| Average total loans | $1,742,933,333 | 381 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7353% | 4,326 |
| Cost of funding earning assets | 0.5022% | 3,935 |
| Net interest margin | 3.2331% | 3,777 |
| Noninterest income to average assets | 0.7398% | 1,497 |
| Noninterest expense to average assets | 2.5555% | 3,113 |
| Loan and lease loss provision to assets | 0.0857% | 2,618 |
| Net operating income to assets | 0.8378% | 2,756 |
| Return on assets (ROA) | 0.8378% | 2,849 |
| Pretax return on assets | 1.0416% | 2,696 |
| Return on Equity (ROE) | 6.8095% | 3,021 |
| Retained earnings to average equity (ytd only) | 6.8095% | 1,605 |
| Net charge-offs to loans | 0.1217% | 979 |
| Credit loss provision to net charge-offs | 97.2763% | 1,870 |
| Earnings coverage of net charge-offs (x) | 12.7957% | 1,679 |
| Efficiency ratio | 69.3908% | 2,452 |
| Assets per employee ($millions) | 6.7540% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8648% | 4,233 |
| Loan loss allowance to noncurrent loans | 92.1846% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 0.6894% | 1,935 |
| Noncurrent loans to loans | 0.9381% | 1,758 |
| Net loans and leases to total assets | 70.4093% | 2,187 |
| Net loans and leases to deposits | 93.4680% | 1,127 |
| Net loans and leases to core deposits | 95.4559% | 1,846 |
| Total domestic deposits to total assets | 75.3298% | 4,552 |
| Equity capital to assets | 12.1494% | 1,961 |
| Core capital (leverage) ratio | 12.2890% | 1,564 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,333,746,500 | 391 |
| Average earning assets | $2,124,370,500 | 395 |
| Average equity | $287,128,500 | 372 |
| Average total loans | $1,689,721,000 | 383 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 3,835 |
| Cost of funding earning assets | 0.5359% | 3,942 |
| Net interest margin | 3.6535% | 2,956 |
| Noninterest income to average assets | 0.7970% | 1,462 |
| Noninterest expense to average assets | 2.8363% | 2,486 |
| Loan and lease loss provision to assets | 0.0273% | 3,466 |
| Net operating income to assets | 1.0169% | 2,789 |
| Return on assets (ROA) | 1.0169% | 2,877 |
| Pretax return on assets | 1.2550% | 2,651 |
| Return on Equity (ROE) | 8.2109% | 3,078 |
| Retained earnings to average equity (ytd only) | 8.2109% | 909 |
| Net charge-offs to loans | 0.0606% | 2,237 |
| Credit loss provision to net charge-offs | 57.9203% | 3,062 |
| Earnings coverage of net charge-offs (x) | 27.2410% | 1,672 |
| Efficiency ratio | 68.8652% | 2,334 |
| Assets per employee ($millions) | 6.4859% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,069 |
| Loan loss allowance to noncurrent loans | 91.1396% | 3,420 |
| Noncurrent assets plus other real estate owned to assets | 0.7359% | 1,765 |
| Noncurrent loans to loans | 0.9592% | 1,594 |
| Net loans and leases to total assets | 73.2078% | 1,892 |
| Net loans and leases to deposits | 96.4613% | 896 |
| Net loans and leases to core deposits | 98.6134% | 1,688 |
| Total domestic deposits to total assets | 75.8934% | 4,610 |
| Equity capital to assets | 12.4650% | 1,842 |
| Core capital (leverage) ratio | 12.5540% | 1,456 |
| Tier 1 risk-based capital ratio | 16.7185% | 2,151 |
| Total risk-based capital ratio | 17.5884% | 2,224 |
| Memoranda: | ||
| Average total assets | $2,185,971,800 | 396 |
| Average earning assets | $1,987,395,400 | 397 |
| Average equity | $270,737,800 | 375 |
| Average total loans | $1,697,958,600 | 369 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 3,700 |
| Cost of funding earning assets | 0.5339% | 4,002 |
| Net interest margin | 3.7520% | 2,742 |
| Noninterest income to average assets | 0.8157% | 1,373 |
| Noninterest expense to average assets | 2.8490% | 2,409 |
| Loan and lease loss provision to assets | 0.0370% | 3,159 |
| Net operating income to assets | 1.0871% | 2,627 |
| Return on assets (ROA) | 1.0871% | 2,716 |
| Pretax return on assets | 1.3372% | 2,538 |
| Return on Equity (ROE) | 8.7920% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.7920% | 1,102 |
| Net charge-offs to loans | -0.0011% | 4,006 |
| Credit loss provision to net charge-offs | -4,285.7143% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4606% | 2,509 |
| Assets per employee ($millions) | 6.3434% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9357% | 3,896 |
| Loan loss allowance to noncurrent loans | 89.0309% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8058% | 1,712 |
| Noncurrent loans to loans | 1.0510% | 1,524 |
| Net loans and leases to total assets | 75.9537% | 1,492 |
| Net loans and leases to deposits | 100.6528% | 590 |
| Net loans and leases to core deposits | 102.8467% | 1,429 |
| Total domestic deposits to total assets | 75.4610% | 4,704 |
| Equity capital to assets | 12.6219% | 1,829 |
| Core capital (leverage) ratio | 12.6464% | 1,506 |
| Tier 1 risk-based capital ratio | 16.4673% | 2,281 |
| Total risk-based capital ratio | 17.4001% | 2,312 |
| Memoranda: | ||
| Average total assets | $2,163,324,750 | 399 |
| Average earning assets | $1,964,703,500 | 401 |
| Average equity | $267,479,000 | 380 |
| Average total loans | $1,702,118,750 | 374 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 3,541 |
| Cost of funding earning assets | 0.5158% | 4,053 |
| Net interest margin | 3.8149% | 2,538 |
| Noninterest income to average assets | 0.7450% | 1,541 |
| Noninterest expense to average assets | 2.7903% | 2,625 |
| Loan and lease loss provision to assets | 0.0557% | 2,710 |
| Net operating income to assets | 1.0963% | 2,532 |
| Return on assets (ROA) | 1.0963% | 2,602 |
| Pretax return on assets | 1.3633% | 2,331 |
| Return on Equity (ROE) | 8.9301% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.9301% | 1,047 |
| Net charge-offs to loans | 0.0159% | 2,576 |
| Credit loss provision to net charge-offs | 441.1765% | 660 |
| Earnings coverage of net charge-offs (x) | 112.3162% | 637 |
| Efficiency ratio | 66.2878% | 2,777 |
| Assets per employee ($millions) | 5.9486% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 4,006 |
| Loan loss allowance to noncurrent loans | 84.6964% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 1,623 |
| Noncurrent loans to loans | 1.0861% | 1,507 |
| Net loans and leases to total assets | 78.2254% | 1,181 |
| Net loans and leases to deposits | 102.2503% | 521 |
| Net loans and leases to core deposits | 103.9086% | 1,392 |
| Total domestic deposits to total assets | 76.5038% | 4,622 |
| Equity capital to assets | 12.6241% | 1,787 |
| Core capital (leverage) ratio | 12.6017% | 1,487 |
| Tier 1 risk-based capital ratio | 16.1513% | 2,345 |
| Total risk-based capital ratio | 17.0769% | 2,421 |
| Memoranda: | ||
| Average total assets | $2,152,826,330 | 403 |
| Average earning assets | $1,955,033,000 | 402 |
| Average equity | $264,296,000 | 383 |
| Average total loans | $1,708,561,000 | 374 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 3,620 |
| Cost of funding earning assets | 0.5231% | 3,956 |
| Net interest margin | 3.7554% | 2,688 |
| Noninterest income to average assets | 0.7052% | 1,593 |
| Noninterest expense to average assets | 2.7307% | 2,806 |
| Loan and lease loss provision to assets | 0.0557% | 2,555 |
| Net operating income to assets | 1.0876% | 2,521 |
| Return on assets (ROA) | 1.0876% | 2,562 |
| Pretax return on assets | 1.3309% | 2,329 |
| Return on Equity (ROE) | 8.9859% | 2,818 |
| Retained earnings to average equity (ytd only) | 8.9859% | 1,325 |
| Net charge-offs to loans | 0.0697% | 1,359 |
| Credit loss provision to net charge-offs | 100.3344% | 1,569 |
| Earnings coverage of net charge-offs (x) | 24.9900% | 1,444 |
| Efficiency ratio | 66.3226% | 2,898 |
| Assets per employee ($millions) | 5.9767% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 4,234 |
| Loan loss allowance to noncurrent loans | 84.7645% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 1,644 |
| Noncurrent loans to loans | 1.0409% | 1,604 |
| Net loans and leases to total assets | 79.0083% | 987 |
| Net loans and leases to deposits | 105.1069% | 356 |
| Net loans and leases to core deposits | 106.3405% | 1,155 |
| Total domestic deposits to total assets | 75.1695% | 4,841 |
| Equity capital to assets | 12.2685% | 1,860 |
| Core capital (leverage) ratio | 12.2733% | 1,620 |
| Tier 1 risk-based capital ratio | 15.7841% | 2,535 |
| Total risk-based capital ratio | 16.6814% | 2,597 |
| Memoranda: | ||
| Average total assets | $2,155,522,500 | 405 |
| Average earning assets | $1,958,434,000 | 401 |
| Average equity | $260,896,500 | 385 |
| Average total loans | $1,715,124,500 | 376 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 3,811 |
| Cost of funding earning assets | 0.3914% | 4,039 |
| Net interest margin | 3.6861% | 3,092 |
| Noninterest income to average assets | 0.7529% | 1,629 |
| Noninterest expense to average assets | 2.8137% | 2,643 |
| Loan and lease loss provision to assets | 0.0381% | 3,444 |
| Net operating income to assets | 1.0223% | 2,921 |
| Return on assets (ROA) | 1.0047% | 2,975 |
| Pretax return on assets | 1.2308% | 2,773 |
| Return on Equity (ROE) | 8.8352% | 3,074 |
| Retained earnings to average equity (ytd only) | 8.8352% | 925 |
| Net charge-offs to loans | 0.0023% | 3,661 |
| Credit loss provision to net charge-offs | 2,123.0769% | 212 |
| Earnings coverage of net charge-offs (x) | 718.2564% | 155 |
| Efficiency ratio | 68.5580% | 2,455 |
| Assets per employee ($millions) | 6.0319% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 4,239 |
| Loan loss allowance to noncurrent loans | 78.7141% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 1,509 |
| Noncurrent loans to loans | 1.1208% | 1,442 |
| Net loans and leases to total assets | 78.7258% | 1,148 |
| Net loans and leases to deposits | 104.1497% | 473 |
| Net loans and leases to core deposits | 105.1665% | 1,329 |
| Total domestic deposits to total assets | 75.5891% | 4,800 |
| Equity capital to assets | 11.9394% | 1,944 |
| Core capital (leverage) ratio | 12.0628% | 1,689 |
| Tier 1 risk-based capital ratio | 15.3920% | 2,664 |
| Total risk-based capital ratio | 16.2849% | 2,749 |
| Memoranda: | ||
| Average total assets | $2,170,800,400 | 389 |
| Average earning assets | $1,973,550,200 | 389 |
| Average equity | $246,852,200 | 390 |
| Average total loans | $1,710,366,400 | 371 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,820 |
| Cost of funding earning assets | 0.3753% | 4,019 |
| Net interest margin | 3.6626% | 3,158 |
| Noninterest income to average assets | 0.7527% | 1,663 |
| Noninterest expense to average assets | 2.7676% | 2,750 |
| Loan and lease loss provision to assets | 0.0508% | 2,971 |
| Net operating income to assets | 1.0171% | 3,015 |
| Return on assets (ROA) | 1.0173% | 3,030 |
| Pretax return on assets | 1.2659% | 2,743 |
| Return on Equity (ROE) | 9.0580% | 3,053 |
| Retained earnings to average equity (ytd only) | 9.0580% | 1,192 |
| Net charge-offs to loans | -0.0080% | 4,337 |
| Credit loss provision to net charge-offs | -803.8835% | 4,593 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7646% | 2,580 |
| Assets per employee ($millions) | 5.9280% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8973% | 4,277 |
| Loan loss allowance to noncurrent loans | 68.4196% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 1.0625% | 1,356 |
| Noncurrent loans to loans | 1.3115% | 1,275 |
| Net loans and leases to total assets | 78.3912% | 1,279 |
| Net loans and leases to deposits | 103.6924% | 566 |
| Net loans and leases to core deposits | 104.6893% | 1,403 |
| Total domestic deposits to total assets | 75.5997% | 4,827 |
| Equity capital to assets | 11.7011% | 2,103 |
| Core capital (leverage) ratio | 11.6734% | 2,022 |
| Tier 1 risk-based capital ratio | 15.1752% | 2,802 |
| Total risk-based capital ratio | 16.0820% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,173,644,500 | 388 |
| Average earning assets | $1,977,094,000 | 389 |
| Average equity | $244,109,750 | 390 |
| Average total loans | $1,709,169,000 | 368 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9759% | 3,856 |
| Cost of funding earning assets | 0.3594% | 4,010 |
| Net interest margin | 3.6165% | 3,250 |
| Noninterest income to average assets | 0.7602% | 1,609 |
| Noninterest expense to average assets | 2.7340% | 2,892 |
| Loan and lease loss provision to assets | 0.0759% | 2,380 |
| Net operating income to assets | 0.9979% | 3,031 |
| Return on assets (ROA) | 0.9981% | 3,031 |
| Pretax return on assets | 1.2420% | 2,759 |
| Return on Equity (ROE) | 9.0118% | 3,015 |
| Retained earnings to average equity (ytd only) | 9.0118% | 1,218 |
| Net charge-offs to loans | -0.0167% | 4,491 |
| Credit loss provision to net charge-offs | -579.0210% | 4,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4792% | 2,730 |
| Assets per employee ($millions) | 6.0041% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,400 |
| Loan loss allowance to noncurrent loans | 61.5366% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 1,216 |
| Noncurrent loans to loans | 1.4406% | 1,175 |
| Net loans and leases to total assets | 78.5609% | 1,235 |
| Net loans and leases to deposits | 102.8803% | 605 |
| Net loans and leases to core deposits | 104.1552% | 1,383 |
| Total domestic deposits to total assets | 76.3615% | 4,825 |
| Equity capital to assets | 11.3151% | 2,349 |
| Core capital (leverage) ratio | 11.4170% | 2,144 |
| Tier 1 risk-based capital ratio | 14.6366% | 3,048 |
| Total risk-based capital ratio | 15.5334% | 3,136 |
| Memoranda: | ||
| Average total assets | $2,180,904,000 | 388 |
| Average earning assets | $1,984,837,330 | 390 |
| Average equity | $241,549,330 | 392 |
| Average total loans | $1,711,509,670 | 367 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 3,969 |
| Cost of funding earning assets | 0.3554% | 3,945 |
| Net interest margin | 3.5310% | 3,422 |
| Noninterest income to average assets | 0.7589% | 1,594 |
| Noninterest expense to average assets | 2.7647% | 2,826 |
| Loan and lease loss provision to assets | 0.0759% | 2,245 |
| Net operating income to assets | 0.9132% | 3,233 |
| Return on assets (ROA) | 0.9136% | 3,242 |
| Pretax return on assets | 1.1355% | 3,025 |
| Return on Equity (ROE) | 8.3391% | 3,228 |
| Retained earnings to average equity (ytd only) | 8.3391% | 1,718 |
| Net charge-offs to loans | -0.0202% | 4,566 |
| Credit loss provision to net charge-offs | -481.3953% | 3,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5430% | 2,566 |
| Assets per employee ($millions) | 6.0097% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 4,587 |
| Loan loss allowance to noncurrent loans | 57.0687% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 1,193 |
| Noncurrent loans to loans | 1.5128% | 1,165 |
| Net loans and leases to total assets | 78.1279% | 1,217 |
| Net loans and leases to deposits | 103.4822% | 511 |
| Net loans and leases to core deposits | 104.7353% | 1,325 |
| Total domestic deposits to total assets | 75.4989% | 5,017 |
| Equity capital to assets | 11.0388% | 2,543 |
| Core capital (leverage) ratio | 11.0982% | 2,331 |
| Tier 1 risk-based capital ratio | 14.4019% | 3,170 |
| Total risk-based capital ratio | 15.2780% | 3,281 |
| Memoranda: | ||
| Average total assets | $2,181,616,500 | 392 |
| Average earning assets | $1,987,400,500 | 391 |
| Average equity | $239,019,000 | 399 |
| Average total loans | $1,703,498,500 | 371 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7998% | 4,050 |
| Cost of funding earning assets | 0.3556% | 3,655 |
| Net interest margin | 3.4442% | 3,707 |
| Noninterest income to average assets | 1.0739% | 885 |
| Noninterest expense to average assets | 3.1746% | 1,667 |
| Loan and lease loss provision to assets | 0.0543% | 3,145 |
| Net operating income to assets | 0.5341% | 4,281 |
| Return on assets (ROA) | 0.5206% | 4,357 |
| Pretax return on assets | 0.9555% | 3,714 |
| Return on Equity (ROE) | 4.8499% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.8499% | 2,220 |
| Net charge-offs to loans | 0.0342% | 3,105 |
| Credit loss provision to net charge-offs | 206.2284% | 1,327 |
| Earnings coverage of net charge-offs (x) | 39.1644% | 1,281 |
| Efficiency ratio | 75.1638% | 1,741 |
| Assets per employee ($millions) | 5.9937% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 4,667 |
| Loan loss allowance to noncurrent loans | 58.7154% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 1.1784% | 1,263 |
| Noncurrent loans to loans | 1.4473% | 1,182 |
| Net loans and leases to total assets | 76.7028% | 1,479 |
| Net loans and leases to deposits | 99.4768% | 772 |
| Net loans and leases to core deposits | 100.8220% | 1,650 |
| Total domestic deposits to total assets | 77.1063% | 4,846 |
| Equity capital to assets | 10.8733% | 2,759 |
| Core capital (leverage) ratio | 10.8043% | 2,535 |
| Tier 1 risk-based capital ratio | 14.3556% | 3,166 |
| Total risk-based capital ratio | 15.2170% | 3,286 |
| Memoranda: | ||
| Average total assets | $2,195,799,600 | 380 |
| Average earning assets | $1,996,515,600 | 376 |
| Average equity | $235,696,000 | 390 |
| Average total loans | $1,688,834,200 | 353 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 4,062 |
| Cost of funding earning assets | 0.3575% | 3,590 |
| Net interest margin | 3.4251% | 3,760 |
| Noninterest income to average assets | 1.1889% | 731 |
| Noninterest expense to average assets | 3.1476% | 1,680 |
| Loan and lease loss provision to assets | 0.0723% | 2,630 |
| Net operating income to assets | 0.8862% | 3,096 |
| Return on assets (ROA) | 0.8857% | 3,148 |
| Pretax return on assets | 1.0823% | 3,373 |
| Return on Equity (ROE) | 8.2781% | 2,984 |
| Retained earnings to average equity (ytd only) | 8.2781% | 1,101 |
| Net charge-offs to loans | 0.0099% | 3,374 |
| Credit loss provision to net charge-offs | 953.6000% | 368 |
| Earnings coverage of net charge-offs (x) | 152.4423% | 530 |
| Efficiency ratio | 72.7330% | 2,088 |
| Assets per employee ($millions) | 5.9515% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 4,678 |
| Loan loss allowance to noncurrent loans | 61.3585% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1960% | 1,379 |
| Noncurrent loans to loans | 1.4253% | 1,310 |
| Net loans and leases to total assets | 76.1582% | 1,567 |
| Net loans and leases to deposits | 100.7826% | 693 |
| Net loans and leases to core deposits | 102.2773% | 1,526 |
| Total domestic deposits to total assets | 75.5668% | 5,068 |
| Equity capital to assets | 11.0337% | 2,833 |
| Core capital (leverage) ratio | 10.7141% | 2,747 |
| Tier 1 risk-based capital ratio | 14.3031% | 3,299 |
| Total risk-based capital ratio | 15.1864% | 3,400 |
| Memoranda: | ||
| Average total assets | $2,199,322,250 | 381 |
| Average earning assets | $1,999,476,500 | 377 |
| Average equity | $235,314,250 | 394 |
| Average total loans | $1,689,099,000 | 352 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,080 |
| Cost of funding earning assets | 0.3556% | 3,524 |
| Net interest margin | 3.3930% | 3,794 |
| Noninterest income to average assets | 1.4270% | 531 |
| Noninterest expense to average assets | 3.2293% | 1,520 |
| Loan and lease loss provision to assets | 0.0813% | 2,360 |
| Net operating income to assets | 1.0478% | 2,217 |
| Return on assets (ROA) | 1.0478% | 2,259 |
| Pretax return on assets | 1.1989% | 2,776 |
| Return on Equity (ROE) | 9.8959% | 2,082 |
| Retained earnings to average equity (ytd only) | 9.8959% | 609 |
| Net charge-offs to loans | 0.0511% | 2,196 |
| Credit loss provision to net charge-offs | 207.4246% | 1,236 |
| Earnings coverage of net charge-offs (x) | 32.6497% | 1,408 |
| Efficiency ratio | 71.0101% | 2,510 |
| Assets per employee ($millions) | 6.1694% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8383% | 4,848 |
| Loan loss allowance to noncurrent loans | 59.3460% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.1939% | 1,424 |
| Noncurrent loans to loans | 1.4126% | 1,355 |
| Net loans and leases to total assets | 76.4341% | 1,475 |
| Net loans and leases to deposits | 99.8853% | 748 |
| Net loans and leases to core deposits | 101.4182% | 1,559 |
| Total domestic deposits to total assets | 76.5218% | 5,027 |
| Equity capital to assets | 10.9155% | 2,909 |
| Core capital (leverage) ratio | 10.7273% | 2,676 |
| Tier 1 risk-based capital ratio | 14.1399% | 3,349 |
| Total risk-based capital ratio | 14.9885% | 3,484 |
| Memoranda: | ||
| Average total assets | $2,198,406,330 | 384 |
| Average earning assets | $1,997,250,670 | 381 |
| Average equity | $232,762,330 | 397 |
| Average total loans | $1,688,181,000 | 358 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 3,837 |
| Cost of funding earning assets | 0.3602% | 3,414 |
| Net interest margin | 3.4185% | 3,581 |
| Noninterest income to average assets | 0.7244% | 1,856 |
| Noninterest expense to average assets | 2.9624% | 2,267 |
| Loan and lease loss provision to assets | 0.0813% | 2,189 |
| Net operating income to assets | 0.5489% | 4,387 |
| Return on assets (ROA) | 0.5489% | 4,430 |
| Pretax return on assets | 0.7855% | 4,164 |
| Return on Equity (ROE) | 5.2653% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.2653% | 2,749 |
| Net charge-offs to loans | -0.0197% | 4,740 |
| Credit loss provision to net charge-offs | -538.5542% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3049% | 1,868 |
| Assets per employee ($millions) | 5.9925% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8451% | 4,942 |
| Loan loss allowance to noncurrent loans | 50.8542% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.3952% | 1,200 |
| Noncurrent loans to loans | 1.6619% | 1,164 |
| Net loans and leases to total assets | 76.2754% | 1,368 |
| Net loans and leases to deposits | 101.3712% | 527 |
| Net loans and leases to core deposits | 102.9040% | 1,299 |
| Total domestic deposits to total assets | 75.2437% | 5,314 |
| Equity capital to assets | 10.5272% | 3,152 |
| Core capital (leverage) ratio | 10.3319% | 3,078 |
| Tier 1 risk-based capital ratio | 13.6667% | 3,676 |
| Total risk-based capital ratio | 14.5217% | 3,825 |
| Memoranda: | ||
| Average total assets | $2,199,465,000 | 382 |
| Average earning assets | $1,997,596,500 | 382 |
| Average equity | $229,275,500 | 400 |
| Average total loans | $1,685,819,000 | 356 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6880% | 4,249 |
| Cost of funding earning assets | 0.4223% | 2,786 |
| Net interest margin | 3.2657% | 4,243 |
| Noninterest income to average assets | 0.7252% | 2,052 |
| Noninterest expense to average assets | 2.8193% | 2,963 |
| Loan and lease loss provision to assets | 0.0722% | 2,912 |
| Net operating income to assets | 0.5554% | 4,413 |
| Return on assets (ROA) | 0.5580% | 4,508 |
| Pretax return on assets | 0.8070% | 4,167 |
| Return on Equity (ROE) | 5.4994% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.4994% | 2,014 |
| Net charge-offs to loans | 0.1189% | 2,065 |
| Credit loss provision to net charge-offs | 80.1508% | 2,970 |
| Earnings coverage of net charge-offs (x) | 9.7121% | 2,725 |
| Efficiency ratio | 75.2109% | 2,110 |
| Assets per employee ($millions) | 5.9613% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8150% | 5,068 |
| Loan loss allowance to noncurrent loans | 47.1447% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 1,216 |
| Noncurrent loans to loans | 1.7288% | 1,112 |
| Net loans and leases to total assets | 75.7471% | 1,551 |
| Net loans and leases to deposits | 100.3043% | 654 |
| Net loans and leases to core deposits | 101.8388% | 1,454 |
| Total domestic deposits to total assets | 75.5173% | 5,296 |
| Equity capital to assets | 10.3216% | 3,363 |
| Core capital (leverage) ratio | 10.1247% | 3,336 |
| Tier 1 risk-based capital ratio | 13.7210% | 3,633 |
| Total risk-based capital ratio | 14.5591% | 3,802 |
| Memoranda: | ||
| Average total assets | $2,207,679,400 | 367 |
| Average earning assets | $2,007,450,400 | 365 |
| Average equity | $223,986,800 | 394 |
| Average total loans | $1,673,838,400 | 348 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6865% | 4,297 |
| Cost of funding earning assets | 0.4452% | 2,597 |
| Net interest margin | 3.2413% | 4,370 |
| Noninterest income to average assets | 0.7240% | 2,062 |
| Noninterest expense to average assets | 2.7624% | 3,131 |
| Loan and lease loss provision to assets | 0.0918% | 2,389 |
| Net operating income to assets | 0.5682% | 4,422 |
| Return on assets (ROA) | 0.5717% | 4,511 |
| Pretax return on assets | 0.8236% | 4,236 |
| Return on Equity (ROE) | 5.6591% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.6591% | 2,390 |
| Net charge-offs to loans | 0.0745% | 2,255 |
| Credit loss provision to net charge-offs | 162.7409% | 1,683 |
| Earnings coverage of net charge-offs (x) | 16.1424% | 2,136 |
| Efficiency ratio | 74.1118% | 2,261 |
| Assets per employee ($millions) | 6.1432% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,915 |
| Loan loss allowance to noncurrent loans | 46.5727% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4767% | 1,223 |
| Noncurrent loans to loans | 1.9005% | 1,055 |
| Net loans and leases to total assets | 73.2628% | 1,988 |
| Net loans and leases to deposits | 100.6950% | 665 |
| Net loans and leases to core deposits | 102.3255% | 1,464 |
| Total domestic deposits to total assets | 72.7571% | 5,544 |
| Equity capital to assets | 10.1453% | 3,988 |
| Core capital (leverage) ratio | 9.8462% | 3,755 |
| Tier 1 risk-based capital ratio | 13.8241% | 3,651 |
| Total risk-based capital ratio | 14.7408% | 3,776 |
| Memoranda: | ||
| Average total assets | $2,208,180,500 | 368 |
| Average earning assets | $2,008,874,250 | 367 |
| Average equity | $223,068,000 | 398 |
| Average total loans | $1,671,182,000 | 345 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7247% | 4,211 |
| Cost of funding earning assets | 0.4286% | 2,748 |
| Net interest margin | 3.2961% | 4,253 |
| Noninterest income to average assets | 0.7070% | 2,115 |
| Noninterest expense to average assets | 2.7678% | 3,141 |
| Loan and lease loss provision to assets | 0.1039% | 2,115 |
| Net operating income to assets | 0.5789% | 4,357 |
| Return on assets (ROA) | 0.5836% | 4,464 |
| Pretax return on assets | 0.8381% | 4,163 |
| Return on Equity (ROE) | 5.7853% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.7853% | 2,248 |
| Net charge-offs to loans | 0.0825% | 2,024 |
| Credit loss provision to net charge-offs | 164.9783% | 1,498 |
| Earnings coverage of net charge-offs (x) | 14.8538% | 2,034 |
| Efficiency ratio | 73.6447% | 2,415 |
| Assets per employee ($millions) | 5.8959% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 5,036 |
| Loan loss allowance to noncurrent loans | 45.3281% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 1,261 |
| Noncurrent loans to loans | 1.9265% | 1,048 |
| Net loans and leases to total assets | 75.6288% | 1,551 |
| Net loans and leases to deposits | 98.1883% | 871 |
| Net loans and leases to core deposits | 100.3759% | 1,605 |
| Total domestic deposits to total assets | 77.0242% | 5,158 |
| Equity capital to assets | 10.3057% | 3,853 |
| Core capital (leverage) ratio | 9.9979% | 3,568 |
| Tier 1 risk-based capital ratio | 13.7873% | 3,729 |
| Total risk-based capital ratio | 14.7063% | 3,843 |
| Memoranda: | ||
| Average total assets | $2,194,771,670 | 373 |
| Average earning assets | $1,994,947,330 | 373 |
| Average equity | $221,388,330 | 402 |
| Average total loans | $1,674,257,670 | 347 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7421% | 4,160 |
| Cost of funding earning assets | 0.4501% | 2,586 |
| Net interest margin | 3.2921% | 4,251 |
| Noninterest income to average assets | 0.7065% | 2,015 |
| Noninterest expense to average assets | 2.7819% | 3,138 |
| Loan and lease loss provision to assets | 0.1037% | 1,977 |
| Net operating income to assets | 0.5680% | 4,331 |
| Return on assets (ROA) | 0.5773% | 4,396 |
| Pretax return on assets | 0.8286% | 4,108 |
| Return on Equity (ROE) | 5.7857% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.7857% | 2,481 |
| Net charge-offs to loans | 0.0611% | 1,889 |
| Credit loss provision to net charge-offs | 222.6563% | 1,011 |
| Earnings coverage of net charge-offs (x) | 19.7305% | 1,494 |
| Efficiency ratio | 74.0721% | 2,463 |
| Assets per employee ($millions) | 6.0551% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 5,177 |
| Loan loss allowance to noncurrent loans | 44.5480% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 1.5219% | 1,330 |
| Noncurrent loans to loans | 1.9370% | 1,116 |
| Net loans and leases to total assets | 75.4660% | 1,474 |
| Net loans and leases to deposits | 100.3213% | 603 |
| Net loans and leases to core deposits | 102.7812% | 1,280 |
| Total domestic deposits to total assets | 75.2243% | 5,495 |
| Equity capital to assets | 10.0834% | 3,968 |
| Core capital (leverage) ratio | 9.8035% | 3,771 |
| Tier 1 risk-based capital ratio | 13.7060% | 3,862 |
| Total risk-based capital ratio | 14.6253% | 3,978 |
| Memoranda: | ||
| Average total assets | $2,198,465,000 | 371 |
| Average earning assets | $1,999,722,000 | 372 |
| Average equity | $219,370,000 | 400 |
| Average total loans | $1,676,953,500 | 342 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 4,047 |
| Cost of funding earning assets | 0.5094% | 2,078 |
| Net interest margin | 3.2883% | 4,333 |
| Noninterest income to average assets | 0.7964% | 1,801 |
| Noninterest expense to average assets | 2.8858% | 2,902 |
| Loan and lease loss provision to assets | 0.1085% | 2,181 |
| Net operating income to assets | 0.5435% | 4,526 |
| Return on assets (ROA) | 0.5437% | 4,620 |
| Pretax return on assets | 0.7851% | 4,238 |
| Return on Equity (ROE) | 5.7256% | 4,174 |
| Retained earnings to average equity (ytd only) | 5.7256% | 1,943 |
| Net charge-offs to loans | 0.1811% | 1,591 |
| Credit loss provision to net charge-offs | 78.6065% | 2,973 |
| Earnings coverage of net charge-offs (x) | 6.4714% | 3,219 |
| Efficiency ratio | 75.2939% | 2,383 |
| Assets per employee ($millions) | 5.8795% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8403% | 5,296 |
| Loan loss allowance to noncurrent loans | 41.7944% | 5,063 |
| Noncurrent assets plus other real estate owned to assets | 1.6108% | 1,223 |
| Noncurrent loans to loans | 2.0107% | 1,033 |
| Net loans and leases to total assets | 75.7915% | 1,451 |
| Net loans and leases to deposits | 100.0490% | 670 |
| Net loans and leases to core deposits | 103.0111% | 1,293 |
| Total domestic deposits to total assets | 75.7544% | 5,469 |
| Equity capital to assets | 9.8733% | 4,109 |
| Core capital (leverage) ratio | 9.6979% | 3,914 |
| Tier 1 risk-based capital ratio | 13.4846% | 4,016 |
| Total risk-based capital ratio | 14.3822% | 4,142 |
| Memoranda: | ||
| Average total assets | $2,214,458,800 | 353 |
| Average earning assets | $2,008,728,200 | 354 |
| Average equity | $210,267,400 | 399 |
| Average total loans | $1,688,009,800 | 321 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8025% | 4,079 |
| Cost of funding earning assets | 0.5190% | 2,052 |
| Net interest margin | 3.2834% | 4,422 |
| Noninterest income to average assets | 0.8475% | 1,631 |
| Noninterest expense to average assets | 2.8692% | 2,938 |
| Loan and lease loss provision to assets | 0.1444% | 1,520 |
| Net operating income to assets | 0.5605% | 4,560 |
| Return on assets (ROA) | 0.5607% | 4,646 |
| Pretax return on assets | 0.8110% | 4,304 |
| Return on Equity (ROE) | 5.9640% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.9640% | 2,272 |
| Net charge-offs to loans | 0.1015% | 2,127 |
| Credit loss provision to net charge-offs | 186.8585% | 1,419 |
| Earnings coverage of net charge-offs (x) | 12.3562% | 2,411 |
| Efficiency ratio | 73.9733% | 2,561 |
| Assets per employee ($millions) | 5.9369% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 4,978 |
| Loan loss allowance to noncurrent loans | 47.3841% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 1.5709% | 1,425 |
| Noncurrent loans to loans | 2.0068% | 1,153 |
| Net loans and leases to total assets | 74.3688% | 1,665 |
| Net loans and leases to deposits | 102.2524% | 533 |
| Net loans and leases to core deposits | 105.4448% | 1,138 |
| Total domestic deposits to total assets | 72.7306% | 5,812 |
| Equity capital to assets | 9.6046% | 4,631 |
| Core capital (leverage) ratio | 9.3902% | 4,452 |
| Tier 1 risk-based capital ratio | 13.5378% | 4,123 |
| Total risk-based capital ratio | 14.5652% | 4,173 |
| Memoranda: | ||
| Average total assets | $2,218,337,000 | 356 |
| Average earning assets | $2,011,133,500 | 360 |
| Average equity | $208,557,000 | 405 |
| Average total loans | $1,689,827,750 | 326 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8390% | 3,924 |
| Cost of funding earning assets | 0.5263% | 2,013 |
| Net interest margin | 3.3127% | 4,253 |
| Noninterest income to average assets | 0.7428% | 2,030 |
| Noninterest expense to average assets | 2.7797% | 3,315 |
| Loan and lease loss provision to assets | 0.1446% | 1,490 |
| Net operating income to assets | 0.5683% | 4,482 |
| Return on assets (ROA) | 0.5687% | 4,581 |
| Pretax return on assets | 0.8203% | 4,250 |
| Return on Equity (ROE) | 6.0929% | 4,081 |
| Retained earnings to average equity (ytd only) | 6.0929% | 2,177 |
| Net charge-offs to loans | 0.0848% | 2,194 |
| Credit loss provision to net charge-offs | 222.8095% | 1,128 |
| Earnings coverage of net charge-offs (x) | 14.8595% | 2,023 |
| Efficiency ratio | 73.1647% | 2,806 |
| Assets per employee ($millions) | 5.9823% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 5,201 |
| Loan loss allowance to noncurrent loans | 50.3699% | 4,980 |
| Noncurrent assets plus other real estate owned to assets | 1.5100% | 1,624 |
| Noncurrent loans to loans | 1.8364% | 1,381 |
| Net loans and leases to total assets | 76.8209% | 1,253 |
| Net loans and leases to deposits | 102.1606% | 543 |
| Net loans and leases to core deposits | 105.7029% | 1,083 |
| Total domestic deposits to total assets | 75.1962% | 5,684 |
| Equity capital to assets | 9.6028% | 4,528 |
| Core capital (leverage) ratio | 9.4166% | 4,394 |
| Tier 1 risk-based capital ratio | 13.2728% | 4,361 |
| Total risk-based capital ratio | 14.2802% | 4,421 |
| Memoranda: | ||
| Average total assets | $2,215,671,330 | 356 |
| Average earning assets | $2,007,428,000 | 360 |
| Average equity | $206,799,000 | 409 |
| Average total loans | $1,695,906,000 | 320 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 3,973 |
| Cost of funding earning assets | 0.5301% | 2,016 |
| Net interest margin | 3.2797% | 4,295 |
| Noninterest income to average assets | 0.7976% | 1,720 |
| Noninterest expense to average assets | 2.8226% | 3,167 |
| Loan and lease loss provision to assets | 0.1436% | 1,420 |
| Net operating income to assets | 0.5579% | 4,450 |
| Return on assets (ROA) | 0.5587% | 4,559 |
| Pretax return on assets | 0.8064% | 4,214 |
| Return on Equity (ROE) | 6.0713% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.0713% | 2,448 |
| Net charge-offs to loans | 0.0177% | 2,811 |
| Credit loss provision to net charge-offs | 1,068.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 70.5867% | 642 |
| Efficiency ratio | 73.7810% | 2,853 |
| Assets per employee ($millions) | 6.1400% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 5,378 |
| Loan loss allowance to noncurrent loans | 47.5495% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 1.5711% | 1,641 |
| Noncurrent loans to loans | 1.9330% | 1,379 |
| Net loans and leases to total assets | 74.9864% | 1,358 |
| Net loans and leases to deposits | 100.8529% | 519 |
| Net loans and leases to core deposits | 104.5795% | 1,028 |
| Total domestic deposits to total assets | 74.3523% | 5,877 |
| Equity capital to assets | 9.3069% | 4,951 |
| Core capital (leverage) ratio | 9.1347% | 4,807 |
| Tier 1 risk-based capital ratio | 13.1977% | 4,502 |
| Total risk-based capital ratio | 14.2054% | 4,544 |
| Memoranda: | ||
| Average total assets | $2,231,738,500 | 352 |
| Average earning assets | $2,023,621,500 | 352 |
| Average equity | $205,358,500 | 411 |
| Average total loans | $1,697,322,500 | 317 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8933% | 4,141 |
| Cost of funding earning assets | 0.6263% | 1,565 |
| Net interest margin | 3.2670% | 4,695 |
| Noninterest income to average assets | 0.7482% | 2,081 |
| Noninterest expense to average assets | 2.9426% | 3,023 |
| Loan and lease loss provision to assets | 0.1508% | 1,740 |
| Net operating income to assets | 0.4249% | 5,132 |
| Return on assets (ROA) | 0.4220% | 5,218 |
| Pretax return on assets | 0.6015% | 4,936 |
| Return on Equity (ROE) | 4.8428% | 4,746 |
| Retained earnings to average equity (ytd only) | 4.8428% | 2,725 |
| Net charge-offs to loans | 0.2490% | 1,722 |
| Credit loss provision to net charge-offs | 81.9474% | 2,829 |
| Earnings coverage of net charge-offs (x) | 4.1099% | 3,738 |
| Efficiency ratio | 78.4960% | 2,132 |
| Assets per employee ($millions) | 6.0396% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 5,583 |
| Loan loss allowance to noncurrent loans | 44.7384% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5525% | 1,740 |
| Noncurrent loans to loans | 1.9342% | 1,453 |
| Net loans and leases to total assets | 75.7633% | 1,305 |
| Net loans and leases to deposits | 100.1314% | 614 |
| Net loans and leases to core deposits | 104.6219% | 1,095 |
| Total domestic deposits to total assets | 75.6639% | 5,792 |
| Equity capital to assets | 9.0969% | 5,183 |
| Core capital (leverage) ratio | 8.6668% | 5,371 |
| Tier 1 risk-based capital ratio | 12.9218% | 4,778 |
| Total risk-based capital ratio | 13.8838% | 4,867 |
| Memoranda: | ||
| Average total assets | $2,293,111,600 | 325 |
| Average earning assets | $2,071,248,400 | 329 |
| Average equity | $199,842,200 | 404 |
| Average total loans | $1,695,348,800 | 301 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 4,199 |
| Cost of funding earning assets | 0.6339% | 1,569 |
| Net interest margin | 3.2588% | 4,766 |
| Noninterest income to average assets | 0.6994% | 2,328 |
| Noninterest expense to average assets | 2.7685% | 3,580 |
| Loan and lease loss provision to assets | 0.1704% | 1,444 |
| Net operating income to assets | 0.4805% | 4,942 |
| Return on assets (ROA) | 0.4768% | 5,045 |
| Pretax return on assets | 0.6975% | 4,707 |
| Return on Equity (ROE) | 5.5293% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.5293% | 2,723 |
| Net charge-offs to loans | 0.1201% | 2,614 |
| Credit loss provision to net charge-offs | 193.5696% | 1,300 |
| Earnings coverage of net charge-offs (x) | 9.9199% | 2,603 |
| Efficiency ratio | 74.9544% | 2,669 |
| Assets per employee ($millions) | 6.3864% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 5,217 |
| Loan loss allowance to noncurrent loans | 51.7951% | 5,086 |
| Noncurrent assets plus other real estate owned to assets | 1.5329% | 2,005 |
| Noncurrent loans to loans | 1.9321% | 1,655 |
| Net loans and leases to total assets | 72.7991% | 1,714 |
| Net loans and leases to deposits | 99.2024% | 658 |
| Net loans and leases to core deposits | 103.7194% | 1,116 |
| Total domestic deposits to total assets | 73.3844% | 6,068 |
| Equity capital to assets | 8.8743% | 5,490 |
| Core capital (leverage) ratio | 8.5941% | 5,557 |
| Tier 1 risk-based capital ratio | 12.9736% | 4,881 |
| Total risk-based capital ratio | 14.0915% | 4,873 |
| Memoranda: | ||
| Average total assets | $2,307,724,750 | 322 |
| Average earning assets | $2,083,830,750 | 326 |
| Average equity | $198,981,750 | 403 |
| Average total loans | $1,692,228,500 | 299 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 4,094 |
| Cost of funding earning assets | 0.6503% | 1,516 |
| Net interest margin | 3.2618% | 4,730 |
| Noninterest income to average assets | 0.6978% | 2,290 |
| Noninterest expense to average assets | 2.8167% | 3,438 |
| Loan and lease loss provision to assets | 0.1819% | 1,346 |
| Net operating income to assets | 0.4407% | 5,054 |
| Return on assets (ROA) | 0.4367% | 5,152 |
| Pretax return on assets | 0.6351% | 4,834 |
| Return on Equity (ROE) | 5.1139% | 4,622 |
| Retained earnings to average equity (ytd only) | 5.1139% | 2,890 |
| Net charge-offs to loans | 0.0937% | 2,738 |
| Credit loss provision to net charge-offs | 265.1515% | 953 |
| Earnings coverage of net charge-offs (x) | 11.9912% | 2,096 |
| Efficiency ratio | 76.3283% | 2,566 |
| Assets per employee ($millions) | 6.1616% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 5,396 |
| Loan loss allowance to noncurrent loans | 46.9971% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.6406% | 1,997 |
| Noncurrent loans to loans | 2.1071% | 1,581 |
| Net loans and leases to total assets | 73.2942% | 1,534 |
| Net loans and leases to deposits | 98.5531% | 629 |
| Net loans and leases to core deposits | 104.0412% | 1,010 |
| Total domestic deposits to total assets | 74.3702% | 6,077 |
| Equity capital to assets | 8.7713% | 5,546 |
| Core capital (leverage) ratio | 8.4249% | 5,720 |
| Tier 1 risk-based capital ratio | 12.7250% | 5,075 |
| Total risk-based capital ratio | 13.8330% | 5,103 |
| Memoranda: | ||
| Average total assets | $2,308,469,000 | 319 |
| Average earning assets | $2,081,914,330 | 322 |
| Average equity | $197,110,000 | 403 |
| Average total loans | $1,691,190,000 | 294 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 4,117 |
| Cost of funding earning assets | 0.6624% | 1,496 |
| Net interest margin | 3.2293% | 4,818 |
| Noninterest income to average assets | 0.6544% | 2,438 |
| Noninterest expense to average assets | 2.8903% | 3,250 |
| Loan and lease loss provision to assets | 0.1815% | 1,320 |
| Net operating income to assets | 0.3432% | 5,338 |
| Return on assets (ROA) | 0.3432% | 5,399 |
| Pretax return on assets | 0.4940% | 5,189 |
| Return on Equity (ROE) | 4.0745% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.0745% | 3,674 |
| Net charge-offs to loans | 0.0733% | 2,415 |
| Credit loss provision to net charge-offs | 339.8058% | 730 |
| Earnings coverage of net charge-offs (x) | 12.6440% | 1,708 |
| Efficiency ratio | 79.9748% | 2,213 |
| Assets per employee ($millions) | 6.1286% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9686% | 5,641 |
| Loan loss allowance to noncurrent loans | 41.5025% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 1.7760% | 1,979 |
| Noncurrent loans to loans | 2.3338% | 1,522 |
| Net loans and leases to total assets | 71.4777% | 1,654 |
| Net loans and leases to deposits | 96.3580% | 634 |
| Net loans and leases to core deposits | 102.5945% | 950 |
| Total domestic deposits to total assets | 74.1792% | 6,229 |
| Equity capital to assets | 8.4389% | 5,707 |
| Core capital (leverage) ratio | 8.2303% | 5,914 |
| Tier 1 risk-based capital ratio | 12.6634% | 5,213 |
| Total risk-based capital ratio | 13.7474% | 5,254 |
| Memoranda: | ||
| Average total assets | $2,313,565,000 | 323 |
| Average earning assets | $2,085,759,000 | 323 |
| Average equity | $194,870,500 | 406 |
| Average total loans | $1,686,109,500 | 293 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,190 |
| Cost of funding earning assets | 0.8654% | 881 |
| Net interest margin | 3.1060% | 5,288 |
| Noninterest income to average assets | 0.6202% | 2,976 |
| Noninterest expense to average assets | 3.0519% | 2,892 |
| Loan and lease loss provision to assets | 0.1795% | 2,057 |
| Net operating income to assets | 0.1444% | 5,951 |
| Return on assets (ROA) | 0.1412% | 6,024 |
| Pretax return on assets | 0.1829% | 5,973 |
| Return on Equity (ROE) | 1.8137% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.8137% | 4,944 |
| Net charge-offs to loans | 0.2328% | 2,589 |
| Credit loss provision to net charge-offs | 107.1303% | 2,247 |
| Earnings coverage of net charge-offs (x) | 2.1873% | 4,300 |
| Efficiency ratio | 88.1795% | 1,193 |
| Assets per employee ($millions) | 5.7891% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 5,865 |
| Loan loss allowance to noncurrent loans | 38.5159% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 1.8143% | 2,025 |
| Noncurrent loans to loans | 2.3855% | 1,605 |
| Net loans and leases to total assets | 72.9150% | 1,535 |
| Net loans and leases to deposits | 97.3978% | 630 |
| Net loans and leases to core deposits | 103.8166% | 923 |
| Total domestic deposits to total assets | 74.8631% | 6,209 |
| Equity capital to assets | 8.4068% | 5,686 |
| Core capital (leverage) ratio | 7.9000% | 6,203 |
| Tier 1 risk-based capital ratio | 12.5494% | 5,259 |
| Total risk-based capital ratio | 13.5869% | 5,328 |
| Memoranda: | ||
| Average total assets | $2,377,018,400 | 305 |
| Average earning assets | $2,141,435,200 | 303 |
| Average equity | $185,088,800 | 414 |
| Average total loans | $1,710,552,000 | 281 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9630% | 4,271 |
| Cost of funding earning assets | 0.8725% | 938 |
| Net interest margin | 3.0905% | 5,343 |
| Noninterest income to average assets | 0.5971% | 3,161 |
| Noninterest expense to average assets | 2.8520% | 3,479 |
| Loan and lease loss provision to assets | 0.2086% | 1,742 |
| Net operating income to assets | 0.2319% | 5,831 |
| Return on assets (ROA) | 0.2437% | 5,884 |
| Pretax return on assets | 0.3379% | 5,781 |
| Return on Equity (ROE) | 3.1909% | 5,534 |
| Retained earnings to average equity (ytd only) | 3.1909% | 4,403 |
| Net charge-offs to loans | 0.2193% | 2,506 |
| Credit loss provision to net charge-offs | 132.8845% | 1,777 |
| Earnings coverage of net charge-offs (x) | 3.3763% | 3,722 |
| Efficiency ratio | 83.2253% | 1,682 |
| Assets per employee ($millions) | 6.0980% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 5,920 |
| Loan loss allowance to noncurrent loans | 39.0362% | 5,664 |
| Noncurrent assets plus other real estate owned to assets | 1.8832% | 2,155 |
| Noncurrent loans to loans | 2.4340% | 1,797 |
| Net loans and leases to total assets | 69.3404% | 2,077 |
| Net loans and leases to deposits | 99.0814% | 511 |
| Net loans and leases to core deposits | 105.9601% | 759 |
| Total domestic deposits to total assets | 69.9833% | 6,597 |
| Equity capital to assets | 7.4772% | 6,404 |
| Core capital (leverage) ratio | 7.7178% | 6,369 |
| Tier 1 risk-based capital ratio | 12.3709% | 5,533 |
| Total risk-based capital ratio | 13.4348% | 5,596 |
| Memoranda: | ||
| Average total assets | $2,396,705,250 | 306 |
| Average earning assets | $2,159,665,000 | 305 |
| Average equity | $183,058,000 | 417 |
| Average total loans | $1,715,359,000 | 280 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9899% | 4,147 |
| Cost of funding earning assets | 0.8873% | 954 |
| Net interest margin | 3.1025% | 5,269 |
| Noninterest income to average assets | 0.6279% | 3,029 |
| Noninterest expense to average assets | 2.8589% | 3,482 |
| Loan and lease loss provision to assets | 0.2097% | 1,809 |
| Net operating income to assets | 0.2542% | 5,768 |
| Return on assets (ROA) | 0.2723% | 5,841 |
| Pretax return on assets | 0.3774% | 5,686 |
| Return on Equity (ROE) | 3.5402% | 5,405 |
| Retained earnings to average equity (ytd only) | 3.5402% | 4,068 |
| Net charge-offs to loans | 0.2097% | 2,502 |
| Credit loss provision to net charge-offs | 138.6578% | 1,639 |
| Earnings coverage of net charge-offs (x) | 3.7160% | 3,324 |
| Efficiency ratio | 82.4768% | 1,823 |
| Assets per employee ($millions) | 5.8171% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 6,035 |
| Loan loss allowance to noncurrent loans | 32.4789% | 5,932 |
| Noncurrent assets plus other real estate owned to assets | 2.3163% | 1,867 |
| Noncurrent loans to loans | 2.8826% | 1,562 |
| Net loans and leases to total assets | 71.2962% | 1,676 |
| Net loans and leases to deposits | 97.4400% | 579 |
| Net loans and leases to core deposits | 104.4524% | 820 |
| Total domestic deposits to total assets | 73.1693% | 6,497 |
| Equity capital to assets | 7.6878% | 6,372 |
| Core capital (leverage) ratio | 7.8648% | 6,269 |
| Tier 1 risk-based capital ratio | 12.2763% | 5,639 |
| Total risk-based capital ratio | 13.3216% | 5,700 |
| Memoranda: | ||
| Average total assets | $2,384,573,000 | 306 |
| Average earning assets | $2,146,643,000 | 307 |
| Average equity | $183,434,670 | 416 |
| Average total loans | $1,719,376,330 | 282 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9901% | 4,163 |
| Cost of funding earning assets | 0.8982% | 994 |
| Net interest margin | 3.0919% | 5,288 |
| Noninterest income to average assets | 0.6439% | 2,914 |
| Noninterest expense to average assets | 2.9105% | 3,309 |
| Loan and lease loss provision to assets | 0.2089% | 1,776 |
| Net operating income to assets | 0.2305% | 5,789 |
| Return on assets (ROA) | 0.2681% | 5,790 |
| Pretax return on assets | 0.3594% | 5,683 |
| Return on Equity (ROE) | 3.4842% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.4842% | 4,161 |
| Net charge-offs to loans | 0.3884% | 1,483 |
| Credit loss provision to net charge-offs | 74.5379% | 2,235 |
| Earnings coverage of net charge-offs (x) | 1.8485% | 3,222 |
| Efficiency ratio | 83.8005% | 1,794 |
| Assets per employee ($millions) | 5.9389% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,340 |
| Loan loss allowance to noncurrent loans | 26.9031% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 2.5520% | 1,795 |
| Noncurrent loans to loans | 3.2122% | 1,529 |
| Net loans and leases to total assets | 71.0764% | 1,507 |
| Net loans and leases to deposits | 99.9641% | 355 |
| Net loans and leases to core deposits | 107.4892% | 581 |
| Total domestic deposits to total assets | 71.1019% | 6,703 |
| Equity capital to assets | 7.7123% | 6,517 |
| Core capital (leverage) ratio | 7.7523% | 6,325 |
| Tier 1 risk-based capital ratio | 12.1302% | 5,832 |
| Total risk-based capital ratio | 13.0996% | 5,974 |
| Memoranda: | ||
| Average total assets | $2,393,088,000 | 311 |
| Average earning assets | $2,155,459,000 | 312 |
| Average equity | $184,145,500 | 421 |
| Average total loans | $1,727,104,000 | 284 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 4,369 |
| Cost of funding earning assets | 1.0925% | 934 |
| Net interest margin | 3.1669% | 5,650 |
| Noninterest income to average assets | 0.6099% | 3,230 |
| Noninterest expense to average assets | 3.0436% | 3,118 |
| Loan and lease loss provision to assets | 0.2049% | 3,097 |
| Net operating income to assets | 0.1526% | 5,888 |
| Return on assets (ROA) | 0.2834% | 5,741 |
| Pretax return on assets | 0.4116% | 5,545 |
| Return on Equity (ROE) | 3.8610% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.8610% | 3,479 |
| Net charge-offs to loans | 0.2447% | 3,474 |
| Credit loss provision to net charge-offs | 117.7341% | 2,440 |
| Earnings coverage of net charge-offs (x) | 2.4527% | 4,183 |
| Efficiency ratio | 86.6635% | 1,357 |
| Assets per employee ($millions) | 5.8078% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8777% | 6,320 |
| Loan loss allowance to noncurrent loans | 26.9231% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 2.6127% | 1,863 |
| Noncurrent loans to loans | 3.2599% | 1,575 |
| Net loans and leases to total assets | 72.0076% | 1,487 |
| Net loans and leases to deposits | 101.2398% | 364 |
| Net loans and leases to core deposits | 108.9682% | 570 |
| Total domestic deposits to total assets | 71.1258% | 6,735 |
| Equity capital to assets | 7.6774% | 6,562 |
| Core capital (leverage) ratio | 7.4759% | 6,512 |
| Tier 1 risk-based capital ratio | 11.9052% | 5,838 |
| Total risk-based capital ratio | 12.8936% | 5,968 |
| Memoranda: | ||
| Average total assets | $2,484,862,800 | 292 |
| Average earning assets | $2,244,563,200 | 293 |
| Average equity | $182,413,600 | 409 |
| Average total loans | $1,767,504,800 | 271 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2763% | 4,547 |
| Cost of funding earning assets | 1.1375% | 915 |
| Net interest margin | 3.1388% | 5,843 |
| Noninterest income to average assets | 0.5402% | 3,672 |
| Noninterest expense to average assets | 2.8462% | 3,817 |
| Loan and lease loss provision to assets | 0.2229% | 2,834 |
| Net operating income to assets | 0.2151% | 5,876 |
| Return on assets (ROA) | 0.2339% | 6,010 |
| Pretax return on assets | 0.3356% | 5,881 |
| Return on Equity (ROE) | 3.2210% | 5,602 |
| Retained earnings to average equity (ytd only) | 3.2210% | 4,601 |
| Net charge-offs to loans | 0.2573% | 3,184 |
| Credit loss provision to net charge-offs | 122.3942% | 2,361 |
| Earnings coverage of net charge-offs (x) | 2.9197% | 3,860 |
| Efficiency ratio | 83.2061% | 1,683 |
| Assets per employee ($millions) | 6.1186% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 6,439 |
| Loan loss allowance to noncurrent loans | 28.3769% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 2.4168% | 2,197 |
| Noncurrent loans to loans | 3.0908% | 1,798 |
| Net loans and leases to total assets | 69.0663% | 2,098 |
| Net loans and leases to deposits | 103.9591% | 283 |
| Net loans and leases to core deposits | 113.2646% | 453 |
| Total domestic deposits to total assets | 66.4360% | 6,968 |
| Equity capital to assets | 7.4574% | 6,779 |
| Core capital (leverage) ratio | 7.2159% | 6,742 |
| Tier 1 risk-based capital ratio | 11.6601% | 6,141 |
| Total risk-based capital ratio | 12.6455% | 6,253 |
| Memoranda: | ||
| Average total assets | $2,507,878,000 | 287 |
| Average earning assets | $2,267,275,000 | 287 |
| Average equity | $182,090,500 | 409 |
| Average total loans | $1,774,817,000 | 267 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 4,452 |
| Cost of funding earning assets | 1.1721% | 932 |
| Net interest margin | 3.1580% | 5,849 |
| Noninterest income to average assets | 0.5338% | 3,696 |
| Noninterest expense to average assets | 2.8995% | 3,622 |
| Loan and lease loss provision to assets | 0.2389% | 2,676 |
| Net operating income to assets | 0.1763% | 5,989 |
| Return on assets (ROA) | 0.1964% | 6,110 |
| Pretax return on assets | 0.2800% | 5,992 |
| Return on Equity (ROE) | 2.7289% | 5,793 |
| Retained earnings to average equity (ytd only) | 2.7289% | 4,803 |
| Net charge-offs to loans | 0.3203% | 2,752 |
| Credit loss provision to net charge-offs | 104.8584% | 2,591 |
| Earnings coverage of net charge-offs (x) | 2.1517% | 3,909 |
| Efficiency ratio | 84.4891% | 1,582 |
| Assets per employee ($millions) | 6.0549% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8315% | 6,607 |
| Loan loss allowance to noncurrent loans | 26.3800% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 2.4409% | 2,292 |
| Noncurrent loans to loans | 3.1522% | 1,852 |
| Net loans and leases to total assets | 69.2580% | 2,062 |
| Net loans and leases to deposits | 106.6809% | 213 |
| Net loans and leases to core deposits | 116.7331% | 377 |
| Total domestic deposits to total assets | 64.9207% | 7,068 |
| Equity capital to assets | 7.2614% | 6,854 |
| Core capital (leverage) ratio | 7.1523% | 6,765 |
| Tier 1 risk-based capital ratio | 11.4004% | 6,279 |
| Total risk-based capital ratio | 12.3317% | 6,427 |
| Memoranda: | ||
| Average total assets | $2,511,706,000 | 288 |
| Average earning assets | $2,271,469,000 | 286 |
| Average equity | $180,732,330 | 412 |
| Average total loans | $1,786,615,000 | 263 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4144% | 4,270 |
| Cost of funding earning assets | 1.1975% | 998 |
| Net interest margin | 3.2169% | 5,740 |
| Noninterest income to average assets | 0.5223% | 3,765 |
| Noninterest expense to average assets | 2.9703% | 3,385 |
| Loan and lease loss provision to assets | 0.2193% | 2,748 |
| Net operating income to assets | 0.1729% | 6,059 |
| Return on assets (ROA) | 0.1729% | 6,200 |
| Pretax return on assets | 0.2443% | 6,096 |
| Return on Equity (ROE) | 2.4136% | 5,937 |
| Retained earnings to average equity (ytd only) | 2.4136% | 5,057 |
| Net charge-offs to loans | 0.1862% | 2,987 |
| Credit loss provision to net charge-offs | 164.0811% | 1,549 |
| Earnings coverage of net charge-offs (x) | 3.4690% | 2,829 |
| Efficiency ratio | 85.4635% | 1,529 |
| Assets per employee ($millions) | 6.1912% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 6,659 |
| Loan loss allowance to noncurrent loans | 24.7921% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 2.5512% | 2,315 |
| Noncurrent loans to loans | 3.3977% | 1,855 |
| Net loans and leases to total assets | 70.1940% | 1,724 |
| Net loans and leases to deposits | 107.7787% | 170 |
| Net loans and leases to core deposits | 120.3108% | 305 |
| Total domestic deposits to total assets | 65.1279% | 7,125 |
| Equity capital to assets | 7.1765% | 6,885 |
| Core capital (leverage) ratio | 7.0603% | 6,817 |
| Tier 1 risk-based capital ratio | 11.2077% | 6,440 |
| Total risk-based capital ratio | 12.1566% | 6,565 |
| Memoranda: | ||
| Average total assets | $2,508,138,500 | 284 |
| Average earning assets | $2,270,113,500 | 284 |
| Average equity | $179,647,500 | 412 |
| Average total loans | $1,800,358,500 | 260 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 3,878 |
| Cost of funding earning assets | 1.3321% | 1,334 |
| Net interest margin | 3.4539% | 5,315 |
| Noninterest income to average assets | 0.5408% | 3,581 |
| Noninterest expense to average assets | 2.9409% | 3,808 |
| Loan and lease loss provision to assets | 0.3135% | 3,160 |
| Net operating income to assets | 0.2802% | 5,327 |
| Return on assets (ROA) | 0.3198% | 5,339 |
| Pretax return on assets | 0.4580% | 5,108 |
| Return on Equity (ROE) | 4.2833% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.2833% | 3,134 |
| Net charge-offs to loans | 0.2649% | 4,116 |
| Credit loss provision to net charge-offs | 158.5522% | 1,751 |
| Earnings coverage of net charge-offs (x) | 3.6159% | 3,452 |
| Efficiency ratio | 79.4468% | 2,381 |
| Assets per employee ($millions) | 5.9440% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7974% | 6,746 |
| Loan loss allowance to noncurrent loans | 23.3081% | 6,503 |
| Noncurrent assets plus other real estate owned to assets | 2.6141% | 2,326 |
| Noncurrent loans to loans | 3.4213% | 1,886 |
| Net loans and leases to total assets | 72.1999% | 1,614 |
| Net loans and leases to deposits | 110.9108% | 160 |
| Net loans and leases to core deposits | 121.8182% | 325 |
| Total domestic deposits to total assets | 65.0972% | 7,155 |
| Equity capital to assets | 7.1485% | 6,924 |
| Core capital (leverage) ratio | 7.1165% | 6,825 |
| Tier 1 risk-based capital ratio | 10.9964% | 6,459 |
| Total risk-based capital ratio | 11.9009% | 6,597 |
| Memoranda: | ||
| Average total assets | $2,445,622,400 | 285 |
| Average earning assets | $2,205,621,600 | 283 |
| Average equity | $182,593,000 | 386 |
| Average total loans | $1,824,888,800 | 253 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8650% | 3,708 |
| Cost of funding earning assets | 1.3532% | 1,441 |
| Net interest margin | 3.5118% | 5,139 |
| Noninterest income to average assets | 0.5496% | 3,513 |
| Noninterest expense to average assets | 2.9607% | 3,702 |
| Loan and lease loss provision to assets | 0.3516% | 2,761 |
| Net operating income to assets | 0.2823% | 5,460 |
| Return on assets (ROA) | 0.3354% | 5,441 |
| Pretax return on assets | 0.4789% | 5,229 |
| Return on Equity (ROE) | 4.4437% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.4437% | 3,562 |
| Net charge-offs to loans | 0.2989% | 3,600 |
| Credit loss provision to net charge-offs | 156.6545% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.3629% | 3,468 |
| Efficiency ratio | 78.6990% | 2,442 |
| Assets per employee ($millions) | 5.9618% | 1,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 6,869 |
| Loan loss allowance to noncurrent loans | 22.1346% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 2.6531% | 2,438 |
| Noncurrent loans to loans | 3.4632% | 1,983 |
| Net loans and leases to total assets | 73.1359% | 1,482 |
| Net loans and leases to deposits | 114.8611% | 121 |
| Net loans and leases to core deposits | 122.9481% | 325 |
| Total domestic deposits to total assets | 63.6734% | 7,250 |
| Equity capital to assets | 7.5892% | 6,898 |
| Core capital (leverage) ratio | 7.0724% | 6,938 |
| Tier 1 risk-based capital ratio | 10.9646% | 6,560 |
| Total risk-based capital ratio | 11.8442% | 6,724 |
| Memoranda: | ||
| Average total assets | $2,432,912,500 | 286 |
| Average earning assets | $2,193,178,250 | 286 |
| Average equity | $183,626,250 | 389 |
| Average total loans | $1,826,878,000 | 252 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 3,271 |
| Cost of funding earning assets | 1.3792% | 1,502 |
| Net interest margin | 3.5983% | 4,725 |
| Noninterest income to average assets | 0.5017% | 3,846 |
| Noninterest expense to average assets | 2.9938% | 3,663 |
| Loan and lease loss provision to assets | 0.4036% | 2,413 |
| Net operating income to assets | 0.2443% | 5,583 |
| Return on assets (ROA) | 0.3243% | 5,409 |
| Pretax return on assets | 0.4609% | 5,189 |
| Return on Equity (ROE) | 4.3052% | 4,790 |
| Retained earnings to average equity (ytd only) | 4.3052% | 3,452 |
| Net charge-offs to loans | 0.2654% | 3,562 |
| Credit loss provision to net charge-offs | 201.2366% | 1,498 |
| Earnings coverage of net charge-offs (x) | 3.7403% | 3,065 |
| Efficiency ratio | 78.9758% | 2,560 |
| Assets per employee ($millions) | 5.6721% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7774% | 6,908 |
| Loan loss allowance to noncurrent loans | 24.6507% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 2.4861% | 2,684 |
| Noncurrent loans to loans | 3.1538% | 2,276 |
| Net loans and leases to total assets | 74.7246% | 1,278 |
| Net loans and leases to deposits | 115.0850% | 117 |
| Net loans and leases to core deposits | 123.0571% | 361 |
| Total domestic deposits to total assets | 64.9299% | 7,288 |
| Equity capital to assets | 7.6594% | 6,874 |
| Core capital (leverage) ratio | 7.0882% | 6,958 |
| Tier 1 risk-based capital ratio | 10.9095% | 6,596 |
| Total risk-based capital ratio | 11.8058% | 6,765 |
| Memoranda: | ||
| Average total assets | $2,419,161,670 | 292 |
| Average earning assets | $2,179,776,330 | 290 |
| Average equity | $182,245,000 | 392 |
| Average total loans | $1,828,010,330 | 255 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8270% | 3,922 |
| Cost of funding earning assets | 1.3901% | 1,664 |
| Net interest margin | 3.4369% | 5,282 |
| Noninterest income to average assets | 0.4948% | 3,933 |
| Noninterest expense to average assets | 3.0458% | 3,465 |
| Loan and lease loss provision to assets | 0.3230% | 2,610 |
| Net operating income to assets | 0.1681% | 5,893 |
| Return on assets (ROA) | 0.1756% | 5,917 |
| Pretax return on assets | 0.2393% | 5,837 |
| Return on Equity (ROE) | 2.3508% | 5,658 |
| Retained earnings to average equity (ytd only) | 2.3508% | 4,738 |
| Net charge-offs to loans | 0.3607% | 2,619 |
| Credit loss provision to net charge-offs | 118.3192% | 2,296 |
| Earnings coverage of net charge-offs (x) | 2.0224% | 3,291 |
| Efficiency ratio | 83.6315% | 2,000 |
| Assets per employee ($millions) | 5.8142% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 7,134 |
| Loan loss allowance to noncurrent loans | 20.5876% | 6,752 |
| Noncurrent assets plus other real estate owned to assets | 2.4851% | 2,745 |
| Noncurrent loans to loans | 3.1815% | 2,358 |
| Net loans and leases to total assets | 74.4692% | 1,273 |
| Net loans and leases to deposits | 116.1428% | 114 |
| Net loans and leases to core deposits | 130.7777% | 265 |
| Total domestic deposits to total assets | 64.1186% | 7,368 |
| Equity capital to assets | 7.4484% | 6,893 |
| Core capital (leverage) ratio | 6.9973% | 7,010 |
| Tier 1 risk-based capital ratio | 10.7049% | 6,687 |
| Total risk-based capital ratio | 11.4638% | 6,923 |
| Memoranda: | ||
| Average total assets | $2,423,412,500 | 293 |
| Average earning assets | $2,188,035,000 | 292 |
| Average equity | $181,046,500 | 393 |
| Average total loans | $1,834,280,500 | 253 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2408% | 3,406 |
| Cost of funding earning assets | 1.6336% | 1,896 |
| Net interest margin | 3.6073% | 4,789 |
| Noninterest income to average assets | 0.3956% | 4,937 |
| Noninterest expense to average assets | 2.9894% | 3,889 |
| Loan and lease loss provision to assets | 0.3555% | 3,995 |
| Net operating income to assets | 0.2361% | 5,155 |
| Return on assets (ROA) | 0.2339% | 5,314 |
| Pretax return on assets | 0.3302% | 5,146 |
| Return on Equity (ROE) | 2.9168% | 4,987 |
| Retained earnings to average equity (ytd only) | 2.9168% | 3,816 |
| Net charge-offs to loans | 0.3331% | 4,342 |
| Credit loss provision to net charge-offs | 140.0457% | 2,698 |
| Earnings coverage of net charge-offs (x) | 2.7133% | 3,728 |
| Efficiency ratio | 80.5530% | 2,339 |
| Assets per employee ($millions) | 5.6456% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 7,223 |
| Loan loss allowance to noncurrent loans | 23.9857% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 2.0826% | 3,242 |
| Noncurrent loans to loans | 2.6381% | 2,880 |
| Net loans and leases to total assets | 75.9439% | 1,283 |
| Net loans and leases to deposits | 117.8939% | 128 |
| Net loans and leases to core deposits | 131.6635% | 311 |
| Total domestic deposits to total assets | 64.4172% | 7,432 |
| Equity capital to assets | 7.4933% | 6,882 |
| Core capital (leverage) ratio | 6.8521% | 7,088 |
| Tier 1 risk-based capital ratio | 10.5896% | 6,646 |
| Total risk-based capital ratio | 11.3271% | 6,929 |
| Memoranda: | ||
| Average total assets | $2,240,093,000 | 316 |
| Average earning assets | $2,038,421,200 | 311 |
| Average equity | $179,648,400 | 391 |
| Average total loans | $1,707,182,400 | 278 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2780% | 3,459 |
| Cost of funding earning assets | 1.6761% | 1,981 |
| Net interest margin | 3.6019% | 4,865 |
| Noninterest income to average assets | 0.3743% | 5,155 |
| Noninterest expense to average assets | 3.0629% | 3,524 |
| Loan and lease loss provision to assets | 0.2124% | 4,942 |
| Net operating income to assets | 0.2631% | 5,308 |
| Return on assets (ROA) | 0.2602% | 5,469 |
| Pretax return on assets | 0.3784% | 5,289 |
| Return on Equity (ROE) | 3.1876% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.1876% | 4,196 |
| Net charge-offs to loans | 0.2652% | 4,358 |
| Credit loss provision to net charge-offs | 105.1367% | 4,077 |
| Earnings coverage of net charge-offs (x) | 2.9456% | 3,658 |
| Efficiency ratio | 83.1174% | 1,938 |
| Assets per employee ($millions) | 5.8486% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5118% | 7,443 |
| Loan loss allowance to noncurrent loans | 29.5709% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 1.4123% | 4,334 |
| Noncurrent loans to loans | 1.7308% | 4,049 |
| Net loans and leases to total assets | 74.6995% | 1,637 |
| Net loans and leases to deposits | 116.6795% | 149 |
| Net loans and leases to core deposits | 129.0191% | 395 |
| Total domestic deposits to total assets | 64.0211% | 7,521 |
| Equity capital to assets | 7.3274% | 7,213 |
| Core capital (leverage) ratio | 6.8009% | 7,250 |
| Tier 1 risk-based capital ratio | 10.4449% | 6,808 |
| Total risk-based capital ratio | 11.0361% | 7,150 |
| Memoranda: | ||
| Average total assets | $2,197,448,250 | 320 |
| Average earning assets | $2,003,259,000 | 315 |
| Average equity | $179,401,000 | 387 |
| Average total loans | $1,673,373,750 | 284 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3257% | 3,342 |
| Cost of funding earning assets | 1.7190% | 2,021 |
| Net interest margin | 3.6067% | 4,782 |
| Noninterest income to average assets | 0.3245% | 5,557 |
| Noninterest expense to average assets | 3.1118% | 3,256 |
| Loan and lease loss provision to assets | 0.1904% | 4,976 |
| Net operating income to assets | 0.2143% | 5,514 |
| Return on assets (ROA) | 0.2143% | 5,642 |
| Pretax return on assets | 0.3181% | 5,454 |
| Return on Equity (ROE) | 2.5234% | 5,453 |
| Retained earnings to average equity (ytd only) | 2.5234% | 4,547 |
| Net charge-offs to loans | 0.2196% | 4,283 |
| Credit loss provision to net charge-offs | 113.1862% | 3,597 |
| Earnings coverage of net charge-offs (x) | 3.0232% | 3,488 |
| Efficiency ratio | 85.5062% | 1,771 |
| Assets per employee ($millions) | 5.7464% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5158% | 7,489 |
| Loan loss allowance to noncurrent loans | 30.5614% | 6,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3840% | 4,406 |
| Noncurrent loans to loans | 1.6878% | 4,158 |
| Net loans and leases to total assets | 75.3900% | 1,610 |
| Net loans and leases to deposits | 115.2426% | 192 |
| Net loans and leases to core deposits | 127.8631% | 468 |
| Total domestic deposits to total assets | 65.4185% | 7,551 |
| Equity capital to assets | 7.3338% | 7,209 |
| Core capital (leverage) ratio | 6.9538% | 7,218 |
| Tier 1 risk-based capital ratio | 10.2782% | 6,853 |
| Total risk-based capital ratio | 10.8687% | 7,219 |
| Memoranda: | ||
| Average total assets | $2,101,375,670 | 331 |
| Average earning assets | $1,920,200,330 | 326 |
| Average equity | $178,489,670 | 387 |
| Average total loans | $1,609,054,330 | 293 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2327% | 3,864 |
| Cost of funding earning assets | 1.7375% | 2,198 |
| Net interest margin | 3.4953% | 5,179 |
| Noninterest income to average assets | 0.1667% | 6,772 |
| Noninterest expense to average assets | 2.7148% | 4,837 |
| Loan and lease loss provision to assets | 0.2081% | 4,422 |
| Net operating income to assets | 0.3186% | 5,213 |
| Return on assets (ROA) | 0.3186% | 5,346 |
| Pretax return on assets | 0.4615% | 5,080 |
| Return on Equity (ROE) | 3.4492% | 5,141 |
| Retained earnings to average equity (ytd only) | 3.4492% | 4,082 |
| Net charge-offs to loans | -0.0019% | 6,762 |
| Credit loss provision to net charge-offs | -14,285.7143% | 6,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2152% | 2,536 |
| Assets per employee ($millions) | 6.5048% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7006% | 7,335 |
| Loan loss allowance to noncurrent loans | 65.0103% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 0.9728% | 5,205 |
| Noncurrent loans to loans | 1.0776% | 5,193 |
| Net loans and leases to total assets | 76.4709% | 1,441 |
| Net loans and leases to deposits | 123.5620% | 109 |
| Net loans and leases to core deposits | 142.6428% | 299 |
| Total domestic deposits to total assets | 61.8886% | 7,721 |
| Equity capital to assets | 9.2700% | 4,881 |
| Core capital (leverage) ratio | 9.5671% | 3,680 |
| Tier 1 risk-based capital ratio | 14.7526% | 3,229 |
| Total risk-based capital ratio | 15.5845% | 3,437 |
| Memoranda: | ||
| Average total assets | $1,922,329,500 | 374 |
| Average earning assets | $1,769,700,500 | 359 |
| Average equity | $177,548,500 | 392 |
| Average total loans | $1,481,678,500 | 329 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4140% | 4,628 |
| Cost of funding earning assets | 2.0158% | 2,888 |
| Net interest margin | 3.3982% | 5,375 |
| Noninterest income to average assets | 0.3819% | 5,359 |
| Noninterest expense to average assets | 2.6147% | 5,741 |
| Loan and lease loss provision to assets | 0.2651% | 5,288 |
| Net operating income to assets | 0.5020% | 3,717 |
| Return on assets (ROA) | 0.5272% | 3,709 |
| Pretax return on assets | 0.6736% | 3,668 |
| Return on Equity (ROE) | 5.8782% | 3,264 |
| Retained earnings to average equity (ytd only) | 5.8782% | 1,399 |
| Net charge-offs to loans | 0.2403% | 5,120 |
| Credit loss provision to net charge-offs | 143.8021% | 3,332 |
| Earnings coverage of net charge-offs (x) | 4.9157% | 2,757 |
| Efficiency ratio | 74.2594% | 3,844 |
| Assets per employee ($millions) | 6.4621% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6336% | 7,506 |
| Loan loss allowance to noncurrent loans | 62.3612% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 5,313 |
| Noncurrent loans to loans | 1.0160% | 5,284 |
| Net loans and leases to total assets | 76.6555% | 1,656 |
| Net loans and leases to deposits | 128.5566% | 99 |
| Net loans and leases to core deposits | 152.5518% | 449 |
| Total domestic deposits to total assets | 59.6278% | 7,808 |
| Equity capital to assets | 9.2021% | 4,843 |
| Core capital (leverage) ratio | 9.4169% | 3,816 |
| Tier 1 risk-based capital ratio | 14.6471% | 3,131 |
| Total risk-based capital ratio | 15.3994% | 3,363 |
| Memoranda: | ||
| Average total assets | $1,885,849,800 | 371 |
| Average earning assets | $1,742,090,000 | 367 |
| Average equity | $169,149,600 | 407 |
| Average total loans | $1,446,921,800 | 347 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 4,782 |
| Cost of funding earning assets | 2.0423% | 3,157 |
| Net interest margin | 3.3895% | 5,316 |
| Noninterest income to average assets | 0.3708% | 5,545 |
| Noninterest expense to average assets | 2.6630% | 5,477 |
| Loan and lease loss provision to assets | 0.2130% | 5,281 |
| Net operating income to assets | 0.4234% | 4,308 |
| Return on assets (ROA) | 0.4529% | 4,288 |
| Pretax return on assets | 0.6709% | 3,957 |
| Return on Equity (ROE) | 5.0826% | 3,927 |
| Retained earnings to average equity (ytd only) | 5.0826% | 2,442 |
| Net charge-offs to loans | 0.2045% | 4,766 |
| Credit loss provision to net charge-offs | 135.9927% | 3,651 |
| Earnings coverage of net charge-offs (x) | 5.3654% | 2,843 |
| Efficiency ratio | 76.0094% | 3,513 |
| Assets per employee ($millions) | 6.7260% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5914% | 7,595 |
| Loan loss allowance to noncurrent loans | 54.4288% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 0.8981% | 5,278 |
| Noncurrent loans to loans | 1.0866% | 5,133 |
| Net loans and leases to total assets | 74.2989% | 2,440 |
| Net loans and leases to deposits | 122.8296% | 157 |
| Net loans and leases to core deposits | 146.4681% | 671 |
| Total domestic deposits to total assets | 60.4894% | 7,863 |
| Equity capital to assets | 8.7260% | 5,916 |
| Core capital (leverage) ratio | 9.2501% | 4,259 |
| Tier 1 risk-based capital ratio | 14.4142% | 3,324 |
| Total risk-based capital ratio | 15.1107% | 3,568 |
| Memoranda: | ||
| Average total assets | $1,877,502,750 | 387 |
| Average earning assets | $1,735,321,500 | 384 |
| Average equity | $167,284,250 | 419 |
| Average total loans | $1,438,506,500 | 366 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5125% | 4,556 |
| Cost of funding earning assets | 2.0635% | 3,454 |
| Net interest margin | 3.4491% | 4,990 |
| Noninterest income to average assets | 0.3839% | 5,431 |
| Noninterest expense to average assets | 2.6553% | 5,539 |
| Loan and lease loss provision to assets | 0.2161% | 4,879 |
| Net operating income to assets | 0.4613% | 4,246 |
| Return on assets (ROA) | 0.4613% | 4,361 |
| Pretax return on assets | 0.7017% | 3,983 |
| Return on Equity (ROE) | 5.1398% | 4,018 |
| Retained earnings to average equity (ytd only) | 5.1398% | 2,433 |
| Net charge-offs to loans | 0.2527% | 3,940 |
| Credit loss provision to net charge-offs | 110.6807% | 4,183 |
| Earnings coverage of net charge-offs (x) | 4.7006% | 3,032 |
| Efficiency ratio | 74.3135% | 3,991 |
| Assets per employee ($millions) | 6.4194% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5546% | 7,716 |
| Loan loss allowance to noncurrent loans | 56.9498% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 5,322 |
| Noncurrent loans to loans | 0.9738% | 5,268 |
| Net loans and leases to total assets | 76.2337% | 2,129 |
| Net loans and leases to deposits | 124.4241% | 172 |
| Net loans and leases to core deposits | 147.7934% | 708 |
| Total domestic deposits to total assets | 61.2692% | 7,912 |
| Equity capital to assets | 8.8865% | 5,474 |
| Core capital (leverage) ratio | 9.5025% | 3,881 |
| Tier 1 risk-based capital ratio | 14.4830% | 3,252 |
| Total risk-based capital ratio | 15.1421% | 3,517 |
| Memoranda: | ||
| Average total assets | $1,850,915,330 | 402 |
| Average earning assets | $1,711,484,330 | 393 |
| Average equity | $166,115,670 | 429 |
| Average total loans | $1,430,382,670 | 376 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6006% | 4,353 |
| Cost of funding earning assets | 2.1471% | 3,427 |
| Net interest margin | 3.4536% | 4,927 |
| Noninterest income to average assets | 0.3848% | 5,339 |
| Noninterest expense to average assets | 2.6571% | 5,195 |
| Loan and lease loss provision to assets | 0.2186% | 4,267 |
| Net operating income to assets | 0.4653% | 4,591 |
| Return on assets (ROA) | 0.4653% | 4,773 |
| Pretax return on assets | 0.7143% | 4,385 |
| Return on Equity (ROE) | 5.1578% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.1578% | 3,038 |
| Net charge-offs to loans | 0.0440% | 4,862 |
| Credit loss provision to net charge-offs | 641.0256% | 899 |
| Earnings coverage of net charge-offs (x) | 27.3526% | 1,138 |
| Efficiency ratio | 74.0134% | 3,819 |
| Assets per employee ($millions) | 6.3189% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6114% | 7,641 |
| Loan loss allowance to noncurrent loans | 63.8726% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8353% | 5,101 |
| Noncurrent loans to loans | 0.9573% | 5,082 |
| Net loans and leases to total assets | 77.1897% | 1,994 |
| Net loans and leases to deposits | 131.3742% | 139 |
| Net loans and leases to core deposits | 153.6292% | 607 |
| Total domestic deposits to total assets | 58.7556% | 7,995 |
| Equity capital to assets | 9.0909% | 5,239 |
| Core capital (leverage) ratio | 9.4757% | 4,013 |
| Tier 1 risk-based capital ratio | 14.6266% | 3,243 |
| Total risk-based capital ratio | 15.3550% | 3,454 |
| Memoranda: | ||
| Average total assets | $1,829,518,500 | 408 |
| Average earning assets | $1,697,957,500 | 402 |
| Average equity | $165,031,000 | 425 |
| Average total loans | $1,419,726,500 | 380 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8009% | 6,427 |
| Cost of funding earning assets | 2.6491% | 3,439 |
| Net interest margin | 3.1518% | 6,519 |
| Noninterest income to average assets | 0.4516% | 5,026 |
| Noninterest expense to average assets | 2.4435% | 6,241 |
| Loan and lease loss provision to assets | 0.0988% | 6,118 |
| Net operating income to assets | 0.5603% | 4,483 |
| Return on assets (ROA) | 0.5598% | 4,336 |
| Pretax return on assets | 0.8284% | 3,966 |
| Return on Equity (ROE) | 6.0885% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.0885% | 1,490 |
| Net charge-offs to loans | 0.0399% | 6,231 |
| Credit loss provision to net charge-offs | 321.6912% | 1,403 |
| Earnings coverage of net charge-offs (x) | 30.2040% | 1,169 |
| Efficiency ratio | 72.4769% | 3,847 |
| Assets per employee ($millions) | 6.3643% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5548% | 7,759 |
| Loan loss allowance to noncurrent loans | 57.9499% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 4,955 |
| Noncurrent loans to loans | 0.9574% | 4,689 |
| Net loans and leases to total assets | 77.1072% | 2,348 |
| Net loans and leases to deposits | 134.5291% | 159 |
| Net loans and leases to core deposits | 156.6810% | 651 |
| Total domestic deposits to total assets | 57.3164% | 8,030 |
| Equity capital to assets | 8.9498% | 5,434 |
| Core capital (leverage) ratio | 9.5531% | 3,942 |
| Tier 1 risk-based capital ratio | 14.5208% | 3,283 |
| Total risk-based capital ratio | 15.1820% | 3,498 |
| Memoranda: | ||
| Average total assets | $1,770,708,400 | 402 |
| Average earning assets | $1,640,417,800 | 391 |
| Average equity | $162,815,200 | 436 |
| Average total loans | $1,365,055,000 | 382 |