Home > WaterStone Bank, SSB > Performance and Condition Ratios
WaterStone Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0707% | 1,925 |
| Cost of funding earning assets | 2.4930% | 369 |
| Net interest margin | 2.5777% | 3,995 |
| Noninterest income to average assets | 3.6900% | 159 |
| Noninterest expense to average assets | 5.5415% | 193 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.4154% | 3,836 |
| Return on assets (ROA) | 0.4154% | 3,835 |
| Pretax return on assets | 0.4861% | 3,834 |
| Return on Equity (ROE) | 2.8200% | 4,050 |
| Retained earnings to average equity (ytd only) | -1.8205% | 4,259 |
| Net charge-offs to loans | 0.0077% | 2,390 |
| Credit loss provision to net charge-offs | 686.6667% | 538 |
| Earnings coverage of net charge-offs (x) | 82.5481% | 1,006 |
| Efficiency ratio | 90.9862% | 385 |
| Assets per employee ($millions) | 3.1666% | 4,360 |
| Cash dividends to net income (ytd only)* | 164.5917% | 86 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0140% | 3,238 |
| Loan loss allowance to noncurrent loans | 385.7945% | 1,712 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 2,073 |
| Noncurrent loans to loans | 0.2628% | 2,244 |
| Net loans and leases to total assets | 81.9200% | 440 |
| Net loans and leases to deposits | 145.4144% | 18 |
| Net loans and leases to core deposits | 159.5467% | 156 |
| Total domestic deposits to total assets | 56.3400% | 4,457 |
| Equity capital to assets | 14.4408% | 612 |
| Core capital (leverage) ratio | 15.6163% | 534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0955% | 685 |
| Memoranda: | ||
| Average total assets | $2,157,863,600 | 532 |
| Average earning assets | $1,978,243,800 | 529 |
| Average equity | $318,051,200 | 379 |
| Average total loans | $1,761,716,800 | 451 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 1,855 |
| Cost of funding earning assets | 2.3317% | 380 |
| Net interest margin | 2.6546% | 3,942 |
| Noninterest income to average assets | 3.9200% | 156 |
| Noninterest expense to average assets | 5.5867% | 195 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.5669% | 3,629 |
| Return on assets (ROA) | 0.5669% | 3,613 |
| Pretax return on assets | 0.6986% | 3,556 |
| Return on Equity (ROE) | 3.8300% | 4,003 |
| Retained earnings to average equity (ytd only) | -1.7048% | 4,303 |
| Net charge-offs to loans | 0.0025% | 2,454 |
| Credit loss provision to net charge-offs | 2,512.1212% | 188 |
| Earnings coverage of net charge-offs (x) | 373.5758% | 383 |
| Efficiency ratio | 87.7345% | 448 |
| Assets per employee ($millions) | 3.0246% | 4,394 |
| Cash dividends to net income (ytd only)* | 144.5504% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,232 |
| Loan loss allowance to noncurrent loans | 454.3963% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 2,266 |
| Noncurrent loans to loans | 0.2258% | 2,447 |
| Net loans and leases to total assets | 80.7400% | 565 |
| Net loans and leases to deposits | 140.7905% | 24 |
| Net loans and leases to core deposits | 154.1771% | 131 |
| Total domestic deposits to total assets | 57.3500% | 4,474 |
| Equity capital to assets | 14.1800% | 621 |
| Core capital (leverage) ratio | 15.2765% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9343% | 708 |
| Memoranda: | ||
| Average total assets | $2,144,760,000 | 536 |
| Average earning assets | $1,962,605,750 | 533 |
| Average equity | $317,768,750 | 379 |
| Average total loans | $1,744,844,000 | 455 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 1,945 |
| Cost of funding earning assets | 2.0486% | 445 |
| Net interest margin | 2.7739% | 3,861 |
| Noninterest income to average assets | 3.8800% | 148 |
| Noninterest expense to average assets | 5.6381% | 186 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.5635% | 3,669 |
| Return on assets (ROA) | 0.5638% | 3,678 |
| Pretax return on assets | 0.7199% | 3,565 |
| Return on Equity (ROE) | 3.7500% | 4,061 |
| Retained earnings to average equity (ytd only) | -3.2913% | 4,355 |
| Net charge-offs to loans | 0.0007% | 2,416 |
| Credit loss provision to net charge-offs | 10,383.3333% | 52 |
| Earnings coverage of net charge-offs (x) | 1,379.1667% | 104 |
| Efficiency ratio | 87.6605% | 437 |
| Assets per employee ($millions) | 2.9913% | 4,435 |
| Cash dividends to net income (ytd only)* | 187.7886% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,381 |
| Loan loss allowance to noncurrent loans | 443.0673% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.1929% | 2,230 |
| Noncurrent loans to loans | 0.2281% | 2,352 |
| Net loans and leases to total assets | 80.8600% | 535 |
| Net loans and leases to deposits | 143.4840% | 23 |
| Net loans and leases to core deposits | 156.5854% | 115 |
| Total domestic deposits to total assets | 56.3600% | 4,500 |
| Equity capital to assets | 14.2260% | 619 |
| Core capital (leverage) ratio | 15.5800% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2159% | 692 |
| Memoranda: | ||
| Average total assets | $2,120,676,000 | 530 |
| Average earning assets | $1,938,674,333 | 528 |
| Average equity | $318,900,667 | 367 |
| Average total loans | $1,723,620,667 | 443 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6806% | 1,896 |
| Cost of funding earning assets | 1.7344% | 515 |
| Net interest margin | 2.9462% | 3,707 |
| Noninterest income to average assets | 3.5200% | 158 |
| Noninterest expense to average assets | 5.6109% | 196 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 0.3992% | 4,089 |
| Return on assets (ROA) | 0.3994% | 4,040 |
| Pretax return on assets | 0.5152% | 3,973 |
| Return on Equity (ROE) | 2.5800% | 4,232 |
| Retained earnings to average equity (ytd only) | -10.1596% | 4,479 |
| Net charge-offs to loans | -0.0029% | 3,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.0607% | 357 |
| Assets per employee ($millions) | 2.8014% | 4,522 |
| Cash dividends to net income (ytd only)* | 493.6562% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 3,354 |
| Loan loss allowance to noncurrent loans | 396.3368% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 2,035 |
| Noncurrent loans to loans | 0.2616% | 2,212 |
| Net loans and leases to total assets | 80.3000% | 511 |
| Net loans and leases to deposits | 135.1350% | 35 |
| Net loans and leases to core deposits | 146.1034% | 143 |
| Total domestic deposits to total assets | 59.4200% | 4,546 |
| Equity capital to assets | 15.0319% | 482 |
| Core capital (leverage) ratio | 16.3052% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4389% | 702 |
| Memoranda: | ||
| Average total assets | $2,068,268,000 | 557 |
| Average earning assets | $1,889,751,500 | 550 |
| Average equity | $320,052,000 | 379 |
| Average total loans | $1,676,455,000 | 458 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8882% | 2,011 |
| Cost of funding earning assets | 0.7285% | 512 |
| Net interest margin | 3.1597% | 2,988 |
| Noninterest income to average assets | 5.1300% | 129 |
| Noninterest expense to average assets | 6.7407% | 153 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9632% | 2,708 |
| Return on assets (ROA) | 0.9621% | 2,661 |
| Pretax return on assets | 1.2086% | 2,406 |
| Return on Equity (ROE) | 5.6300% | 3,900 |
| Retained earnings to average equity (ytd only) | -10.4118% | 4,636 |
| Net charge-offs to loans | -0.0344% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.9248% | 499 |
| Assets per employee ($millions) | 2.7319% | 4,560 |
| Cash dividends to net income (ytd only)* | 284.9951% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 2,979 |
| Loan loss allowance to noncurrent loans | 412.2823% | 1,815 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,061 |
| Noncurrent loans to loans | 0.2624% | 2,219 |
| Net loans and leases to total assets | 80.1000% | 582 |
| Net loans and leases to deposits | 127.2961% | 46 |
| Net loans and leases to core deposits | 136.4353% | 163 |
| Total domestic deposits to total assets | 62.9200% | 4,555 |
| Equity capital to assets | 15.9348% | 391 |
| Core capital (leverage) ratio | 17.0763% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5199% | 581 |
| Memoranda: | ||
| Average total assets | $2,027,565,600 | 542 |
| Average earning assets | $1,843,058,200 | 546 |
| Average equity | $346,598,200 | 345 |
| Average total loans | $1,509,104,200 | 475 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 2,118 |
| Cost of funding earning assets | 0.6003% | 439 |
| Net interest margin | 3.0718% | 3,013 |
| Noninterest income to average assets | 5.7300% | 124 |
| Noninterest expense to average assets | 6.9307% | 145 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.2259% | 1,605 |
| Return on assets (ROA) | 1.2247% | 1,584 |
| Pretax return on assets | 1.5727% | 1,193 |
| Return on Equity (ROE) | 7.0400% | 3,588 |
| Retained earnings to average equity (ytd only) | -12.9837% | 4,702 |
| Net charge-offs to loans | -0.0491% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.9714% | 718 |
| Assets per employee ($millions) | 2.2633% | 4,632 |
| Cash dividends to net income (ytd only)* | 284.3007% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1329% | 2,867 |
| Loan loss allowance to noncurrent loans | 343.8818% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 1,894 |
| Noncurrent loans to loans | 0.3294% | 2,048 |
| Net loans and leases to total assets | 77.3500% | 767 |
| Net loans and leases to deposits | 119.8285% | 55 |
| Net loans and leases to core deposits | 126.8080% | 173 |
| Total domestic deposits to total assets | 64.5500% | 4,599 |
| Equity capital to assets | 16.5151% | 348 |
| Core capital (leverage) ratio | 17.6965% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2983% | 539 |
| Memoranda: | ||
| Average total assets | $2,027,690,000 | 542 |
| Average earning assets | $1,842,200,500 | 545 |
| Average equity | $352,495,250 | 343 |
| Average total loans | $1,476,038,750 | 481 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4594% | 2,257 |
| Cost of funding earning assets | 0.5937% | 289 |
| Net interest margin | 2.8656% | 3,255 |
| Noninterest income to average assets | 5.8881% | 82 |
| Noninterest expense to average assets | 6.8296% | 107 |
| Loan and lease loss provision to assets | -0.0027% | 4,372 |
| Net operating income to assets | 1.3046% | 1,125 |
| Return on assets (ROA) | 1.3031% | 1,111 |
| Pretax return on assets | 1.6725% | 803 |
| Return on Equity (ROE) | 7.3778% | 3,190 |
| Retained earnings to average equity (ytd only) | -18.2203% | 4,721 |
| Net charge-offs to loans | -0.0994% | 4,440 |
| Credit loss provision to net charge-offs | -47.0263% | 3,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0655% | 942 |
| Assets per employee ($millions) | 2.2499% | 4,681 |
| Cash dividends to net income (ytd only)* | 346.9600% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,873 |
| Loan loss allowance to noncurrent loans | 230.4951% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 1,426 |
| Noncurrent loans to loans | 0.5052% | 1,615 |
| Net loans and leases to total assets | 75.7669% | 752 |
| Net loans and leases to deposits | 113.2924% | 71 |
| Net loans and leases to core deposits | 119.4964% | 203 |
| Total domestic deposits to total assets | 66.8773% | 4,648 |
| Equity capital to assets | 17.1169% | 271 |
| Core capital (leverage) ratio | 17.3428% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3213% | 458 |
| Memoranda: | ||
| Average total assets | $2,047,235,667 | 537 |
| Average earning assets | $1,866,823,667 | 538 |
| Average equity | $361,596,667 | 342 |
| Average total loans | $1,454,547,000 | 481 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2114% | 2,652 |
| Cost of funding earning assets | 0.6649% | 188 |
| Net interest margin | 2.5465% | 3,793 |
| Noninterest income to average assets | 5.5941% | 93 |
| Noninterest expense to average assets | 6.6241% | 106 |
| Loan and lease loss provision to assets | -0.0145% | 4,433 |
| Net operating income to assets | 1.0147% | 1,816 |
| Return on assets (ROA) | 1.0138% | 1,813 |
| Pretax return on assets | 1.3074% | 1,479 |
| Return on Equity (ROE) | 5.6592% | 3,437 |
| Retained earnings to average equity (ytd only) | 5.6592% | 2,366 |
| Net charge-offs to loans | -0.1711% | 4,573 |
| Credit loss provision to net charge-offs | -13.1494% | 2,760 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4334% | 891 |
| Assets per employee ($millions) | 2.4447% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 2,644 |
| Loan loss allowance to noncurrent loans | 254.3635% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 1,748 |
| Noncurrent loans to loans | 0.4880% | 1,809 |
| Net loans and leases to total assets | 67.3384% | 1,278 |
| Net loans and leases to deposits | 105.9985% | 97 |
| Net loans and leases to core deposits | 111.9109% | 222 |
| Total domestic deposits to total assets | 63.5277% | 4,711 |
| Equity capital to assets | 18.7930% | 201 |
| Core capital (leverage) ratio | 17.8244% | 249 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5133% | 316 |
| Memoranda: | ||
| Average total assets | $2,103,418,000 | 522 |
| Average earning assets | $1,919,665,500 | 533 |
| Average equity | $376,800,500 | 338 |
| Average total loans | $1,440,189,500 | 483 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5844% | 2,429 |
| Cost of funding earning assets | 0.7169% | 300 |
| Net interest margin | 2.8675% | 3,519 |
| Noninterest income to average assets | 8.9676% | 70 |
| Noninterest expense to average assets | 7.5881% | 98 |
| Loan and lease loss provision to assets | -0.1812% | 4,669 |
| Net operating income to assets | 3.2180% | 87 |
| Return on assets (ROA) | 3.2179% | 90 |
| Pretax return on assets | 4.1868% | 75 |
| Return on Equity (ROE) | 18.4901% | 423 |
| Retained earnings to average equity (ytd only) | 1.9043% | 4,005 |
| Net charge-offs to loans | -0.0578% | 4,393 |
| Credit loss provision to net charge-offs | 422.2222% | 884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4489% | 2,346 |
| Assets per employee ($millions) | 2.5397% | 4,739 |
| Cash dividends to net income (ytd only)* | 89.7011% | 334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 3,603 |
| Loan loss allowance to noncurrent loans | 283.0642% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 2,266 |
| Noncurrent loans to loans | 0.3671% | 2,271 |
| Net loans and leases to total assets | 68.0119% | 1,265 |
| Net loans and leases to deposits | 113.1499% | 65 |
| Net loans and leases to core deposits | 119.6513% | 164 |
| Total domestic deposits to total assets | 60.1078% | 4,768 |
| Equity capital to assets | 17.1189% | 294 |
| Core capital (leverage) ratio | 16.8762% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5169% | 372 |
| Memoranda: | ||
| Average total assets | $2,202,115,000 | 480 |
| Average earning assets | $2,016,894,400 | 493 |
| Average equity | $383,243,600 | 330 |
| Average total loans | $1,634,614,800 | 432 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6510% | 2,414 |
| Cost of funding earning assets | 0.7304% | 335 |
| Net interest margin | 2.9206% | 3,505 |
| Noninterest income to average assets | 9.4754% | 68 |
| Noninterest expense to average assets | 7.6632% | 101 |
| Loan and lease loss provision to assets | -0.1527% | 4,691 |
| Net operating income to assets | 3.5329% | 85 |
| Return on assets (ROA) | 3.5328% | 87 |
| Pretax return on assets | 4.6359% | 70 |
| Return on Equity (ROE) | 20.2166% | 415 |
| Retained earnings to average equity (ytd only) | 8.5773% | 1,848 |
| Net charge-offs to loans | -0.0390% | 4,246 |
| Credit loss provision to net charge-offs | 517.4538% | 746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0898% | 2,526 |
| Assets per employee ($millions) | 2.6722% | 4,800 |
| Cash dividends to net income (ytd only)* | 57.5729% | 920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 3,528 |
| Loan loss allowance to noncurrent loans | 422.7090% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 2,877 |
| Noncurrent loans to loans | 0.2558% | 2,909 |
| Net loans and leases to total assets | 68.9220% | 1,201 |
| Net loans and leases to deposits | 115.8856% | 55 |
| Net loans and leases to core deposits | 122.9537% | 157 |
| Total domestic deposits to total assets | 59.4742% | 4,841 |
| Equity capital to assets | 17.8080% | 285 |
| Core capital (leverage) ratio | 17.7720% | 276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0169% | 374 |
| Memoranda: | ||
| Average total assets | $2,200,260,500 | 486 |
| Average earning assets | $2,012,275,000 | 493 |
| Average equity | $384,492,750 | 330 |
| Average total loans | $1,663,637,750 | 428 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6722% | 2,415 |
| Cost of funding earning assets | 0.7613% | 350 |
| Net interest margin | 2.9109% | 3,554 |
| Noninterest income to average assets | 9.5976% | 69 |
| Noninterest expense to average assets | 7.6678% | 98 |
| Loan and lease loss provision to assets | -0.1661% | 4,729 |
| Net operating income to assets | 3.5862% | 86 |
| Return on assets (ROA) | 3.5860% | 88 |
| Pretax return on assets | 4.7519% | 70 |
| Return on Equity (ROE) | 20.6543% | 411 |
| Retained earnings to average equity (ytd only) | 7.7178% | 2,188 |
| Net charge-offs to loans | -0.0479% | 4,356 |
| Credit loss provision to net charge-offs | 447.1744% | 717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5747% | 2,650 |
| Assets per employee ($millions) | 2.6957% | 4,830 |
| Cash dividends to net income (ytd only)* | 62.6333% | 853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,595 |
| Loan loss allowance to noncurrent loans | 400.0460% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 2,922 |
| Noncurrent loans to loans | 0.2641% | 2,992 |
| Net loans and leases to total assets | 74.2161% | 732 |
| Net loans and leases to deposits | 124.9033% | 44 |
| Net loans and leases to core deposits | 132.5806% | 116 |
| Total domestic deposits to total assets | 59.4188% | 4,873 |
| Equity capital to assets | 17.6297% | 289 |
| Core capital (leverage) ratio | 17.4871% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2917% | 414 |
| Memoranda: | ||
| Average total assets | $2,190,811,000 | 485 |
| Average earning assets | $1,999,158,000 | 490 |
| Average equity | $380,366,667 | 329 |
| Average total loans | $1,700,586,333 | 417 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 2,340 |
| Cost of funding earning assets | 0.8112% | 328 |
| Net interest margin | 2.8962% | 3,539 |
| Noninterest income to average assets | 9.9763% | 72 |
| Noninterest expense to average assets | 7.6444% | 98 |
| Loan and lease loss provision to assets | -0.1956% | 4,809 |
| Net operating income to assets | 3.9057% | 86 |
| Return on assets (ROA) | 3.9052% | 91 |
| Pretax return on assets | 5.1635% | 70 |
| Return on Equity (ROE) | 22.6686% | 356 |
| Retained earnings to average equity (ytd only) | 7.8909% | 2,283 |
| Net charge-offs to loans | -0.0063% | 3,481 |
| Credit loss provision to net charge-offs | 3,962.9630% | 144 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6083% | 2,963 |
| Assets per employee ($millions) | 2.6027% | 4,872 |
| Cash dividends to net income (ytd only)* | 65.1903% | 797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 3,614 |
| Loan loss allowance to noncurrent loans | 425.3589% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 3,176 |
| Noncurrent loans to loans | 0.2493% | 3,204 |
| Net loans and leases to total assets | 75.6099% | 670 |
| Net loans and leases to deposits | 128.1928% | 42 |
| Net loans and leases to core deposits | 137.2332% | 100 |
| Total domestic deposits to total assets | 58.9814% | 4,892 |
| Equity capital to assets | 17.3248% | 286 |
| Core capital (leverage) ratio | 17.4436% | 288 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0100% | 451 |
| Memoranda: | ||
| Average total assets | $2,187,738,500 | 482 |
| Average earning assets | $1,991,559,000 | 485 |
| Average equity | $376,892,000 | 329 |
| Average total loans | $1,726,927,500 | 410 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1593% | 2,256 |
| Cost of funding earning assets | 1.2867% | 187 |
| Net interest margin | 2.8727% | 4,159 |
| Noninterest income to average assets | 11.1939% | 65 |
| Noninterest expense to average assets | 8.4512% | 90 |
| Loan and lease loss provision to assets | 0.2973% | 1,266 |
| Net operating income to assets | 3.8034% | 64 |
| Return on assets (ROA) | 3.8038% | 64 |
| Pretax return on assets | 5.0681% | 55 |
| Return on Equity (ROE) | 22.4118% | 150 |
| Retained earnings to average equity (ytd only) | 8.0037% | 1,051 |
| Net charge-offs to loans | -0.0055% | 4,164 |
| Credit loss provision to net charge-offs | -6,604.1667% | 4,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1693% | 3,279 |
| Assets per employee ($millions) | 2.6865% | 4,870 |
| Cash dividends to net income (ytd only)* | 64.2879% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 3,641 |
| Loan loss allowance to noncurrent loans | 338.5432% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 2,951 |
| Noncurrent loans to loans | 0.3129% | 3,080 |
| Net loans and leases to total assets | 80.6047% | 386 |
| Net loans and leases to deposits | 139.9308% | 26 |
| Net loans and leases to core deposits | 149.0117% | 89 |
| Total domestic deposits to total assets | 57.6033% | 4,921 |
| Equity capital to assets | 17.1295% | 324 |
| Core capital (leverage) ratio | 16.6161% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5243% | 543 |
| Memoranda: | ||
| Average total assets | $2,132,628,000 | 451 |
| Average earning assets | $1,946,664,400 | 453 |
| Average equity | $361,956,000 | 320 |
| Average total loans | $1,738,907,000 | 390 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 2,486 |
| Cost of funding earning assets | 1.3580% | 185 |
| Net interest margin | 2.8057% | 4,336 |
| Noninterest income to average assets | 10.7354% | 66 |
| Noninterest expense to average assets | 8.4334% | 92 |
| Loan and lease loss provision to assets | 0.3968% | 896 |
| Net operating income to assets | 3.3492% | 74 |
| Return on assets (ROA) | 3.3497% | 76 |
| Pretax return on assets | 4.4680% | 58 |
| Return on Equity (ROE) | 19.7836% | 246 |
| Retained earnings to average equity (ytd only) | 10.3083% | 702 |
| Net charge-offs to loans | -0.0113% | 4,252 |
| Credit loss provision to net charge-offs | -4,292.5170% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4213% | 2,842 |
| Assets per employee ($millions) | 2.7598% | 4,893 |
| Cash dividends to net income (ytd only)* | 47.8948% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 3,537 |
| Loan loss allowance to noncurrent loans | 311.9351% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.3070% | 2,931 |
| Noncurrent loans to loans | 0.3319% | 3,092 |
| Net loans and leases to total assets | 81.1700% | 507 |
| Net loans and leases to deposits | 144.5913% | 32 |
| Net loans and leases to core deposits | 154.4178% | 98 |
| Total domestic deposits to total assets | 56.1376% | 4,952 |
| Equity capital to assets | 16.7929% | 396 |
| Core capital (leverage) ratio | 16.8691% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2851% | 556 |
| Memoranda: | ||
| Average total assets | $2,120,433,250 | 447 |
| Average earning assets | $1,936,272,000 | 449 |
| Average equity | $359,028,750 | 316 |
| Average total loans | $1,729,348,750 | 384 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 2,637 |
| Cost of funding earning assets | 1.4210% | 212 |
| Net interest margin | 2.8189% | 4,417 |
| Noninterest income to average assets | 9.2395% | 67 |
| Noninterest expense to average assets | 7.8716% | 91 |
| Loan and lease loss provision to assets | 0.5063% | 700 |
| Net operating income to assets | 2.5851% | 125 |
| Return on assets (ROA) | 2.5858% | 135 |
| Pretax return on assets | 3.4419% | 80 |
| Return on Equity (ROE) | 15.2277% | 678 |
| Retained earnings to average equity (ytd only) | 15.2277% | 214 |
| Net charge-offs to loans | -0.0073% | 4,116 |
| Credit loss provision to net charge-offs | -8,524.1935% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6018% | 2,432 |
| Assets per employee ($millions) | 2.8351% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,681 |
| Loan loss allowance to noncurrent loans | 320.3396% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 3,196 |
| Noncurrent loans to loans | 0.3046% | 3,297 |
| Net loans and leases to total assets | 81.1659% | 483 |
| Net loans and leases to deposits | 149.6621% | 21 |
| Net loans and leases to core deposits | 159.7126% | 80 |
| Total domestic deposits to total assets | 54.2328% | 4,993 |
| Equity capital to assets | 16.7700% | 393 |
| Core capital (leverage) ratio | 17.0354% | 343 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6844% | 527 |
| Memoranda: | ||
| Average total assets | $2,087,607,000 | 450 |
| Average earning assets | $1,910,256,000 | 447 |
| Average equity | $354,498,667 | 319 |
| Average total loans | $1,699,153,333 | 392 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2595% | 3,037 |
| Cost of funding earning assets | 1.4997% | 270 |
| Net interest margin | 2.7598% | 4,611 |
| Noninterest income to average assets | 6.1090% | 82 |
| Noninterest expense to average assets | 6.9079% | 122 |
| Loan and lease loss provision to assets | 0.1552% | 1,850 |
| Net operating income to assets | 1.1952% | 1,530 |
| Return on assets (ROA) | 1.1961% | 1,645 |
| Pretax return on assets | 1.5761% | 1,121 |
| Return on Equity (ROE) | 6.9961% | 2,950 |
| Retained earnings to average equity (ytd only) | 6.9961% | 1,536 |
| Net charge-offs to loans | -0.0132% | 4,178 |
| Credit loss provision to net charge-offs | -1,453.7037% | 3,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9702% | 1,140 |
| Assets per employee ($millions) | 2.5819% | 4,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 4,435 |
| Loan loss allowance to noncurrent loans | 194.4428% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 2,978 |
| Noncurrent loans to loans | 0.4068% | 3,035 |
| Net loans and leases to total assets | 80.8173% | 593 |
| Net loans and leases to deposits | 145.0282% | 16 |
| Net loans and leases to core deposits | 154.6662% | 97 |
| Total domestic deposits to total assets | 55.7252% | 5,052 |
| Equity capital to assets | 17.0224% | 440 |
| Core capital (leverage) ratio | 17.2562% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4750% | 598 |
| Memoranda: | ||
| Average total assets | $2,022,905,000 | 447 |
| Average earning assets | $1,853,757,500 | 444 |
| Average equity | $345,852,000 | 323 |
| Average total loans | $1,640,134,000 | 393 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4817% | 3,005 |
| Cost of funding earning assets | 1.5308% | 366 |
| Net interest margin | 2.9509% | 4,577 |
| Noninterest income to average assets | 6.5570% | 83 |
| Noninterest expense to average assets | 6.8983% | 113 |
| Loan and lease loss provision to assets | -0.0457% | 5,012 |
| Net operating income to assets | 1.8172% | 506 |
| Return on assets (ROA) | 1.8178% | 529 |
| Pretax return on assets | 2.4087% | 244 |
| Return on Equity (ROE) | 10.0036% | 2,296 |
| Retained earnings to average equity (ytd only) | -11.9292% | 5,089 |
| Net charge-offs to loans | -0.0024% | 4,245 |
| Credit loss provision to net charge-offs | 2,368.4211% | 167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4915% | 1,549 |
| Assets per employee ($millions) | 2.4189% | 5,026 |
| Cash dividends to net income (ytd only)* | 219.2488% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 4,393 |
| Loan loss allowance to noncurrent loans | 176.3274% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 2,846 |
| Noncurrent loans to loans | 0.4368% | 2,881 |
| Net loans and leases to total assets | 80.0618% | 780 |
| Net loans and leases to deposits | 139.2547% | 22 |
| Net loans and leases to core deposits | 148.4096% | 131 |
| Total domestic deposits to total assets | 57.4930% | 5,099 |
| Equity capital to assets | 17.1734% | 448 |
| Core capital (leverage) ratio | 17.1145% | 402 |
| Tier 1 risk-based capital ratio | 22.0485% | 1,017 |
| Total risk-based capital ratio | 22.8495% | 1,046 |
| Memoranda: | ||
| Average total assets | $1,968,528,400 | 433 |
| Average earning assets | $1,803,511,400 | 428 |
| Average equity | $357,710,800 | 306 |
| Average total loans | $1,573,935,600 | 390 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 3,162 |
| Cost of funding earning assets | 1.5163% | 388 |
| Net interest margin | 2.9504% | 4,693 |
| Noninterest income to average assets | 6.4953% | 83 |
| Noninterest expense to average assets | 6.8195% | 115 |
| Loan and lease loss provision to assets | -0.0496% | 5,124 |
| Net operating income to assets | 1.8372% | 570 |
| Return on assets (ROA) | 1.8379% | 596 |
| Pretax return on assets | 2.4276% | 289 |
| Return on Equity (ROE) | 9.9753% | 2,442 |
| Retained earnings to average equity (ytd only) | -15.1692% | 5,180 |
| Net charge-offs to loans | -0.0024% | 4,077 |
| Credit loss provision to net charge-offs | 2,607.1429% | 153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1533% | 1,543 |
| Assets per employee ($millions) | 2.4751% | 5,084 |
| Cash dividends to net income (ytd only)* | 252.0683% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,485 |
| Loan loss allowance to noncurrent loans | 198.7486% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4095% | 2,874 |
| Noncurrent loans to loans | 0.3889% | 3,154 |
| Net loans and leases to total assets | 80.4335% | 789 |
| Net loans and leases to deposits | 144.2828% | 18 |
| Net loans and leases to core deposits | 153.8139% | 110 |
| Total domestic deposits to total assets | 55.7471% | 5,184 |
| Equity capital to assets | 17.1600% | 470 |
| Core capital (leverage) ratio | 17.1106% | 427 |
| Tier 1 risk-based capital ratio | 22.0543% | 1,065 |
| Total risk-based capital ratio | 22.8628% | 1,097 |
| Memoranda: | ||
| Average total assets | $1,962,368,000 | 435 |
| Average earning assets | $1,796,692,750 | 430 |
| Average equity | $361,564,750 | 310 |
| Average total loans | $1,565,381,000 | 394 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 3,233 |
| Cost of funding earning assets | 1.4792% | 404 |
| Net interest margin | 2.9544% | 4,752 |
| Noninterest income to average assets | 6.0159% | 82 |
| Noninterest expense to average assets | 6.6041% | 122 |
| Loan and lease loss provision to assets | -0.0667% | 5,191 |
| Net operating income to assets | 1.6561% | 796 |
| Return on assets (ROA) | 1.6570% | 828 |
| Pretax return on assets | 2.1817% | 458 |
| Return on Equity (ROE) | 8.7868% | 2,940 |
| Retained earnings to average equity (ytd only) | -28.3165% | 5,270 |
| Net charge-offs to loans | -0.0023% | 3,981 |
| Credit loss provision to net charge-offs | 3,611.1111% | 108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7527% | 1,426 |
| Assets per employee ($millions) | 2.4376% | 5,141 |
| Cash dividends to net income (ytd only)* | 422.2628% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,506 |
| Loan loss allowance to noncurrent loans | 221.9349% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 3,062 |
| Noncurrent loans to loans | 0.3521% | 3,290 |
| Net loans and leases to total assets | 79.6696% | 939 |
| Net loans and leases to deposits | 141.1513% | 24 |
| Net loans and leases to core deposits | 150.3904% | 130 |
| Total domestic deposits to total assets | 56.4427% | 5,230 |
| Equity capital to assets | 16.5326% | 527 |
| Core capital (leverage) ratio | 16.7026% | 461 |
| Tier 1 risk-based capital ratio | 21.7474% | 1,088 |
| Total risk-based capital ratio | 22.5761% | 1,119 |
| Memoranda: | ||
| Average total assets | $1,949,041,670 | 438 |
| Average earning assets | $1,782,546,000 | 435 |
| Average equity | $367,552,330 | 308 |
| Average total loans | $1,546,139,670 | 398 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4143% | 3,173 |
| Cost of funding earning assets | 1.4231% | 423 |
| Net interest margin | 2.9912% | 4,765 |
| Noninterest income to average assets | 4.9679% | 95 |
| Noninterest expense to average assets | 6.0780% | 136 |
| Loan and lease loss provision to assets | -0.1418% | 5,305 |
| Net operating income to assets | 1.3574% | 1,500 |
| Return on assets (ROA) | 1.3582% | 1,539 |
| Pretax return on assets | 1.7697% | 1,052 |
| Return on Equity (ROE) | 6.7651% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.7651% | 2,128 |
| Net charge-offs to loans | 0.0021% | 2,686 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,234 |
| Earnings coverage of net charge-offs (x) | 975.1250% | 56 |
| Efficiency ratio | 78.8854% | 1,173 |
| Assets per employee ($millions) | 2.3353% | 5,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8358% | 4,402 |
| Loan loss allowance to noncurrent loans | 184.7749% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 2,835 |
| Noncurrent loans to loans | 0.4523% | 2,961 |
| Net loans and leases to total assets | 77.4491% | 1,245 |
| Net loans and leases to deposits | 139.7549% | 24 |
| Net loans and leases to core deposits | 148.7459% | 131 |
| Total domestic deposits to total assets | 55.4178% | 5,297 |
| Equity capital to assets | 20.2307% | 231 |
| Core capital (leverage) ratio | 20.3566% | 230 |
| Tier 1 risk-based capital ratio | 26.5336% | 651 |
| Total risk-based capital ratio | 27.3895% | 665 |
| Memoranda: | ||
| Average total assets | $1,918,058,500 | 444 |
| Average earning assets | $1,755,008,000 | 445 |
| Average equity | $385,093,000 | 304 |
| Average total loans | $1,511,820,000 | 405 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 2,876 |
| Cost of funding earning assets | 1.1450% | 425 |
| Net interest margin | 3.2213% | 4,442 |
| Noninterest income to average assets | 6.2430% | 82 |
| Noninterest expense to average assets | 7.0944% | 107 |
| Loan and lease loss provision to assets | -0.0567% | 5,210 |
| Net operating income to assets | 1.6446% | 784 |
| Return on assets (ROA) | 1.6446% | 784 |
| Pretax return on assets | 2.1541% | 394 |
| Return on Equity (ROE) | 8.1386% | 3,382 |
| Retained earnings to average equity (ytd only) | -1.5399% | 5,103 |
| Net charge-offs to loans | -0.0156% | 4,625 |
| Credit loss provision to net charge-offs | 456.8966% | 747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1826% | 1,215 |
| Assets per employee ($millions) | 2.1530% | 5,294 |
| Cash dividends to net income (ytd only)* | 118.9213% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8712% | 4,293 |
| Loan loss allowance to noncurrent loans | 202.1205% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 2,743 |
| Noncurrent loans to loans | 0.4310% | 2,992 |
| Net loans and leases to total assets | 78.8504% | 1,130 |
| Net loans and leases to deposits | 139.0808% | 22 |
| Net loans and leases to core deposits | 147.2413% | 147 |
| Total domestic deposits to total assets | 56.6940% | 5,340 |
| Equity capital to assets | 19.9228% | 235 |
| Core capital (leverage) ratio | 20.0768% | 229 |
| Tier 1 risk-based capital ratio | 26.0470% | 662 |
| Total risk-based capital ratio | 26.9491% | 676 |
| Memoranda: | ||
| Average total assets | $1,868,015,000 | 443 |
| Average earning assets | $1,709,898,400 | 442 |
| Average equity | $377,487,000 | 298 |
| Average total loans | $1,488,040,600 | 405 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,868 |
| Cost of funding earning assets | 1.0741% | 442 |
| Net interest margin | 3.2510% | 4,400 |
| Noninterest income to average assets | 6.5547% | 79 |
| Noninterest expense to average assets | 7.2383% | 105 |
| Loan and lease loss provision to assets | -0.0761% | 5,324 |
| Net operating income to assets | 1.8000% | 602 |
| Return on assets (ROA) | 1.8000% | 604 |
| Pretax return on assets | 2.3706% | 292 |
| Return on Equity (ROE) | 8.8752% | 3,140 |
| Retained earnings to average equity (ytd only) | -2.5191% | 5,226 |
| Net charge-offs to loans | -0.0188% | 4,608 |
| Credit loss provision to net charge-offs | 507.1770% | 691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9307% | 1,360 |
| Assets per employee ($millions) | 1.9644% | 5,381 |
| Cash dividends to net income (ytd only)* | 128.3834% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8531% | 4,447 |
| Loan loss allowance to noncurrent loans | 202.1088% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 0.4550% | 2,871 |
| Noncurrent loans to loans | 0.4221% | 3,143 |
| Net loans and leases to total assets | 80.2530% | 981 |
| Net loans and leases to deposits | 143.6455% | 19 |
| Net loans and leases to core deposits | 151.8810% | 121 |
| Total domestic deposits to total assets | 55.8688% | 5,412 |
| Equity capital to assets | 19.7207% | 242 |
| Core capital (leverage) ratio | 19.9178% | 237 |
| Tier 1 risk-based capital ratio | 26.0988% | 675 |
| Total risk-based capital ratio | 27.0050% | 681 |
| Memoranda: | ||
| Average total assets | $1,857,052,500 | 439 |
| Average earning assets | $1,701,145,750 | 438 |
| Average equity | $376,634,500 | 296 |
| Average total loans | $1,479,860,000 | 403 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 2,892 |
| Cost of funding earning assets | 1.0099% | 458 |
| Net interest margin | 3.2557% | 4,372 |
| Noninterest income to average assets | 6.2576% | 80 |
| Noninterest expense to average assets | 7.0092% | 111 |
| Loan and lease loss provision to assets | -0.1197% | 5,442 |
| Net operating income to assets | 1.7821% | 605 |
| Return on assets (ROA) | 1.7821% | 609 |
| Pretax return on assets | 2.3486% | 302 |
| Return on Equity (ROE) | 8.7032% | 3,169 |
| Retained earnings to average equity (ytd only) | -5.8999% | 5,322 |
| Net charge-offs to loans | -0.0202% | 4,576 |
| Credit loss provision to net charge-offs | 748.2993% | 534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8733% | 1,440 |
| Assets per employee ($millions) | 1.8947% | 5,449 |
| Cash dividends to net income (ytd only)* | 167.7904% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8837% | 4,404 |
| Loan loss allowance to noncurrent loans | 214.4094% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4536% | 2,916 |
| Noncurrent loans to loans | 0.4122% | 3,219 |
| Net loans and leases to total assets | 78.5544% | 1,237 |
| Net loans and leases to deposits | 139.5423% | 18 |
| Net loans and leases to core deposits | 147.1653% | 139 |
| Total domestic deposits to total assets | 56.2943% | 5,477 |
| Equity capital to assets | 19.9548% | 233 |
| Core capital (leverage) ratio | 20.1052% | 223 |
| Tier 1 risk-based capital ratio | 26.4850% | 636 |
| Total risk-based capital ratio | 27.4083% | 645 |
| Memoranda: | ||
| Average total assets | $1,837,629,330 | 441 |
| Average earning assets | $1,682,292,000 | 442 |
| Average equity | $376,274,670 | 288 |
| Average total loans | $1,456,370,330 | 405 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 3,097 |
| Cost of funding earning assets | 0.9230% | 533 |
| Net interest margin | 3.2142% | 4,414 |
| Noninterest income to average assets | 5.3902% | 95 |
| Noninterest expense to average assets | 6.5318% | 124 |
| Loan and lease loss provision to assets | -0.1935% | 5,548 |
| Net operating income to assets | 1.5276% | 1,014 |
| Return on assets (ROA) | 1.5276% | 1,019 |
| Pretax return on assets | 1.9900% | 579 |
| Return on Equity (ROE) | 7.3641% | 3,645 |
| Retained earnings to average equity (ytd only) | -18.0695% | 5,485 |
| Net charge-offs to loans | 0.0019% | 2,663 |
| Credit loss provision to net charge-offs | -12,571.4286% | 4,523 |
| Earnings coverage of net charge-offs (x) | 1,167.4286% | 50 |
| Efficiency ratio | 78.4289% | 1,314 |
| Assets per employee ($millions) | 1.9817% | 5,505 |
| Cash dividends to net income (ytd only)* | 345.3734% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9145% | 4,380 |
| Loan loss allowance to noncurrent loans | 201.1591% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 2,721 |
| Noncurrent loans to loans | 0.4546% | 3,172 |
| Net loans and leases to total assets | 77.8805% | 1,264 |
| Net loans and leases to deposits | 139.7374% | 21 |
| Net loans and leases to core deposits | 147.1517% | 148 |
| Total domestic deposits to total assets | 55.7335% | 5,542 |
| Equity capital to assets | 20.0580% | 214 |
| Core capital (leverage) ratio | 20.6723% | 191 |
| Tier 1 risk-based capital ratio | 26.8929% | 620 |
| Total risk-based capital ratio | 27.8513% | 628 |
| Memoranda: | ||
| Average total assets | $1,819,535,500 | 449 |
| Average earning assets | $1,663,237,500 | 448 |
| Average equity | $377,453,500 | 293 |
| Average total loans | $1,442,010,500 | 410 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 3,121 |
| Cost of funding earning assets | 0.9872% | 232 |
| Net interest margin | 3.0943% | 4,703 |
| Noninterest income to average assets | 6.7793% | 80 |
| Noninterest expense to average assets | 7.2266% | 106 |
| Loan and lease loss provision to assets | -0.0645% | 5,422 |
| Net operating income to assets | 1.4377% | 928 |
| Return on assets (ROA) | 1.4339% | 957 |
| Pretax return on assets | 2.4540% | 192 |
| Return on Equity (ROE) | 6.7896% | 3,385 |
| Retained earnings to average equity (ytd only) | 2.9422% | 3,544 |
| Net charge-offs to loans | 0.0560% | 2,688 |
| Credit loss provision to net charge-offs | -148.3461% | 4,754 |
| Earnings coverage of net charge-offs (x) | 55.1298% | 1,018 |
| Efficiency ratio | 75.1044% | 1,751 |
| Assets per employee ($millions) | 1.9461% | 5,574 |
| Cash dividends to net income (ytd only)* | 56.6659% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 4,072 |
| Loan loss allowance to noncurrent loans | 231.9875% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 2,586 |
| Noncurrent loans to loans | 0.4209% | 3,268 |
| Net loans and leases to total assets | 79.1347% | 1,091 |
| Net loans and leases to deposits | 139.8483% | 23 |
| Net loans and leases to core deposits | 146.4696% | 150 |
| Total domestic deposits to total assets | 56.5861% | 5,606 |
| Equity capital to assets | 21.4428% | 165 |
| Core capital (leverage) ratio | 21.1020% | 170 |
| Tier 1 risk-based capital ratio | 27.9186% | 547 |
| Total risk-based capital ratio | 28.9349% | 546 |
| Memoranda: | ||
| Average total assets | $1,808,916,400 | 439 |
| Average earning assets | $1,661,894,200 | 439 |
| Average equity | $382,026,200 | 276 |
| Average total loans | $1,403,623,600 | 409 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0219% | 3,273 |
| Cost of funding earning assets | 0.9931% | 203 |
| Net interest margin | 3.0288% | 4,856 |
| Noninterest income to average assets | 6.9819% | 82 |
| Noninterest expense to average assets | 7.2543% | 110 |
| Loan and lease loss provision to assets | -0.0860% | 5,571 |
| Net operating income to assets | 1.6855% | 595 |
| Return on assets (ROA) | 1.6804% | 621 |
| Pretax return on assets | 2.5919% | 183 |
| Return on Equity (ROE) | 7.9871% | 3,128 |
| Retained earnings to average equity (ytd only) | 4.1352% | 3,449 |
| Net charge-offs to loans | 0.0764% | 2,049 |
| Credit loss provision to net charge-offs | -146.0576% | 4,570 |
| Earnings coverage of net charge-offs (x) | 42.7133% | 1,243 |
| Efficiency ratio | 74.2654% | 1,856 |
| Assets per employee ($millions) | 1.9492% | 5,635 |
| Cash dividends to net income (ytd only)* | 48.2269% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 4,189 |
| Loan loss allowance to noncurrent loans | 200.6420% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6258% | 2,633 |
| Noncurrent loans to loans | 0.4880% | 3,227 |
| Net loans and leases to total assets | 76.8855% | 1,436 |
| Net loans and leases to deposits | 140.4900% | 18 |
| Net loans and leases to core deposits | 146.8498% | 140 |
| Total domestic deposits to total assets | 54.7266% | 5,678 |
| Equity capital to assets | 20.9610% | 190 |
| Core capital (leverage) ratio | 20.6687% | 188 |
| Tier 1 risk-based capital ratio | 27.9757% | 571 |
| Total risk-based capital ratio | 28.9928% | 571 |
| Memoranda: | ||
| Average total assets | $1,810,132,000 | 443 |
| Average earning assets | $1,665,152,500 | 442 |
| Average equity | $380,823,000 | 279 |
| Average total loans | $1,394,102,000 | 413 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 3,371 |
| Cost of funding earning assets | 0.9637% | 207 |
| Net interest margin | 2.9871% | 4,936 |
| Noninterest income to average assets | 6.9002% | 85 |
| Noninterest expense to average assets | 7.1626% | 118 |
| Loan and lease loss provision to assets | -0.1320% | 5,670 |
| Net operating income to assets | 1.7241% | 536 |
| Return on assets (ROA) | 1.7163% | 552 |
| Pretax return on assets | 2.6078% | 182 |
| Return on Equity (ROE) | 8.1476% | 2,943 |
| Retained earnings to average equity (ytd only) | 4.6804% | 2,927 |
| Net charge-offs to loans | 0.0335% | 2,526 |
| Credit loss provision to net charge-offs | -513.4199% | 4,678 |
| Earnings coverage of net charge-offs (x) | 96.7576% | 669 |
| Efficiency ratio | 74.2215% | 1,966 |
| Assets per employee ($millions) | 2.0666% | 5,665 |
| Cash dividends to net income (ytd only)* | 42.5551% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,978 |
| Loan loss allowance to noncurrent loans | 170.2038% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 2,431 |
| Noncurrent loans to loans | 0.6036% | 2,915 |
| Net loans and leases to total assets | 74.8577% | 1,721 |
| Net loans and leases to deposits | 143.3342% | 20 |
| Net loans and leases to core deposits | 149.5291% | 122 |
| Total domestic deposits to total assets | 52.2260% | 5,726 |
| Equity capital to assets | 20.4295% | 209 |
| Core capital (leverage) ratio | 21.4738% | 150 |
| Tier 1 risk-based capital ratio | 28.2641% | 536 |
| Total risk-based capital ratio | 29.3413% | 533 |
| Memoranda: | ||
| Average total assets | $1,796,906,330 | 450 |
| Average earning assets | $1,654,377,000 | 446 |
| Average equity | $378,517,670 | 283 |
| Average total loans | $1,380,037,000 | 416 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 3,251 |
| Cost of funding earning assets | 0.9673% | 192 |
| Net interest margin | 2.9707% | 4,960 |
| Noninterest income to average assets | 5.7204% | 101 |
| Noninterest expense to average assets | 6.4650% | 145 |
| Loan and lease loss provision to assets | -0.2760% | 5,814 |
| Net operating income to assets | 1.4908% | 824 |
| Return on assets (ROA) | 1.4908% | 854 |
| Pretax return on assets | 2.2641% | 321 |
| Return on Equity (ROE) | 6.9645% | 3,414 |
| Retained earnings to average equity (ytd only) | 3.4594% | 3,709 |
| Net charge-offs to loans | 0.0259% | 2,238 |
| Credit loss provision to net charge-offs | -1,376.1364% | 4,486 |
| Earnings coverage of net charge-offs (x) | 99.1250% | 538 |
| Efficiency ratio | 76.4809% | 1,838 |
| Assets per employee ($millions) | 1.9553% | 5,741 |
| Cash dividends to net income (ytd only)* | 50.3287% | 1,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1205% | 3,583 |
| Loan loss allowance to noncurrent loans | 183.0951% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.7613% | 2,397 |
| Noncurrent loans to loans | 0.6120% | 2,991 |
| Net loans and leases to total assets | 75.4565% | 1,506 |
| Net loans and leases to deposits | 130.3232% | 34 |
| Net loans and leases to core deposits | 135.8952% | 204 |
| Total domestic deposits to total assets | 57.8995% | 5,785 |
| Equity capital to assets | 21.9224% | 148 |
| Core capital (leverage) ratio | 21.7985% | 143 |
| Tier 1 risk-based capital ratio | 29.3325% | 504 |
| Total risk-based capital ratio | 30.4776% | 504 |
| Memoranda: | ||
| Average total assets | $1,755,047,000 | 464 |
| Average earning assets | $1,614,436,000 | 456 |
| Average equity | $375,675,000 | 282 |
| Average total loans | $1,358,853,000 | 421 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,268 |
| Cost of funding earning assets | 1.2457% | 44 |
| Net interest margin | 2.7335% | 5,376 |
| Noninterest income to average assets | 6.9681% | 84 |
| Noninterest expense to average assets | 7.1024% | 129 |
| Loan and lease loss provision to assets | 0.0214% | 3,940 |
| Net operating income to assets | 1.4837% | 864 |
| Return on assets (ROA) | 1.4845% | 880 |
| Pretax return on assets | 2.3622% | 247 |
| Return on Equity (ROE) | 7.1414% | 3,393 |
| Retained earnings to average equity (ytd only) | 3.6717% | 3,300 |
| Net charge-offs to loans | 0.0405% | 3,220 |
| Credit loss provision to net charge-offs | 70.8955% | 3,120 |
| Earnings coverage of net charge-offs (x) | 78.7743% | 723 |
| Efficiency ratio | 74.8822% | 2,152 |
| Assets per employee ($millions) | 1.9972% | 5,796 |
| Cash dividends to net income (ytd only)* | 48.5861% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,477 |
| Loan loss allowance to noncurrent loans | 162.6154% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.8937% | 2,123 |
| Noncurrent loans to loans | 0.7025% | 2,783 |
| Net loans and leases to total assets | 77.6022% | 1,269 |
| Net loans and leases to deposits | 136.7713% | 28 |
| Net loans and leases to core deposits | 143.0845% | 151 |
| Total domestic deposits to total assets | 56.7387% | 5,846 |
| Equity capital to assets | 20.9071% | 179 |
| Core capital (leverage) ratio | 21.1738% | 164 |
| Tier 1 risk-based capital ratio | 28.2864% | 550 |
| Total risk-based capital ratio | 29.5001% | 546 |
| Memoranda: | ||
| Average total assets | $1,772,314,600 | 442 |
| Average earning assets | $1,631,726,000 | 437 |
| Average equity | $368,412,600 | 272 |
| Average total loans | $1,324,502,000 | 410 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,284 |
| Cost of funding earning assets | 1.3293% | 30 |
| Net interest margin | 2.6560% | 5,538 |
| Noninterest income to average assets | 7.0119% | 86 |
| Noninterest expense to average assets | 7.0760% | 132 |
| Loan and lease loss provision to assets | 0.0256% | 3,731 |
| Net operating income to assets | 1.4871% | 902 |
| Return on assets (ROA) | 1.4871% | 946 |
| Pretax return on assets | 2.3547% | 280 |
| Return on Equity (ROE) | 7.1647% | 3,470 |
| Retained earnings to average equity (ytd only) | 3.9993% | 3,458 |
| Net charge-offs to loans | 0.0911% | 2,049 |
| Credit loss provision to net charge-offs | 38.1166% | 3,166 |
| Earnings coverage of net charge-offs (x) | 35.3958% | 1,335 |
| Efficiency ratio | 74.8284% | 2,136 |
| Assets per employee ($millions) | 2.0871% | 5,850 |
| Cash dividends to net income (ytd only)* | 44.1803% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,660 |
| Loan loss allowance to noncurrent loans | 146.5548% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 1.0120% | 2,042 |
| Noncurrent loans to loans | 0.7733% | 2,738 |
| Net loans and leases to total assets | 76.1619% | 1,499 |
| Net loans and leases to deposits | 134.3970% | 31 |
| Net loans and leases to core deposits | 140.8990% | 184 |
| Total domestic deposits to total assets | 56.6694% | 5,911 |
| Equity capital to assets | 20.8723% | 199 |
| Core capital (leverage) ratio | 20.7137% | 178 |
| Tier 1 risk-based capital ratio | 28.3942% | 558 |
| Total risk-based capital ratio | 29.5920% | 547 |
| Memoranda: | ||
| Average total assets | $1,768,530,000 | 437 |
| Average earning assets | $1,627,637,000 | 438 |
| Average equity | $367,089,500 | 272 |
| Average total loans | $1,304,844,500 | 417 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,524 |
| Cost of funding earning assets | 1.3846% | 24 |
| Net interest margin | 2.5410% | 5,715 |
| Noninterest income to average assets | 6.4295% | 92 |
| Noninterest expense to average assets | 6.6735% | 146 |
| Loan and lease loss provision to assets | 0.0233% | 3,664 |
| Net operating income to assets | 1.3162% | 1,233 |
| Return on assets (ROA) | 1.3162% | 1,324 |
| Pretax return on assets | 2.0696% | 499 |
| Return on Equity (ROE) | 6.3530% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.7524% | 2,895 |
| Net charge-offs to loans | 0.1070% | 1,754 |
| Credit loss provision to net charge-offs | 29.9270% | 2,860 |
| Earnings coverage of net charge-offs (x) | 26.9036% | 1,470 |
| Efficiency ratio | 76.1264% | 2,062 |
| Assets per employee ($millions) | 2.1133% | 5,916 |
| Cash dividends to net income (ytd only)* | 25.1941% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1730% | 3,510 |
| Loan loss allowance to noncurrent loans | 138.0174% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1156% | 1,894 |
| Noncurrent loans to loans | 0.8499% | 2,615 |
| Net loans and leases to total assets | 73.7440% | 1,890 |
| Net loans and leases to deposits | 133.7547% | 31 |
| Net loans and leases to core deposits | 140.2970% | 182 |
| Total domestic deposits to total assets | 55.1338% | 5,996 |
| Equity capital to assets | 20.7084% | 198 |
| Core capital (leverage) ratio | 21.0645% | 160 |
| Tier 1 risk-based capital ratio | 29.6618% | 512 |
| Total risk-based capital ratio | 30.9120% | 503 |
| Memoranda: | ||
| Average total assets | $1,761,141,670 | 438 |
| Average earning assets | $1,619,655,670 | 438 |
| Average equity | $364,866,000 | 274 |
| Average total loans | $1,279,972,330 | 421 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9090% | 3,556 |
| Cost of funding earning assets | 1.4011% | 24 |
| Net interest margin | 2.5079% | 5,802 |
| Noninterest income to average assets | 4.8270% | 127 |
| Noninterest expense to average assets | 5.7198% | 193 |
| Loan and lease loss provision to assets | 0.0470% | 2,979 |
| Net operating income to assets | 0.8800% | 2,854 |
| Return on assets (ROA) | 0.8800% | 2,971 |
| Pretax return on assets | 1.3674% | 2,016 |
| Return on Equity (ROE) | 4.2465% | 4,800 |
| Retained earnings to average equity (ytd only) | 2.6200% | 4,197 |
| Net charge-offs to loans | 0.1871% | 1,045 |
| Credit loss provision to net charge-offs | 35.0427% | 2,179 |
| Earnings coverage of net charge-offs (x) | 10.5453% | 1,914 |
| Efficiency ratio | 80.1742% | 1,586 |
| Assets per employee ($millions) | 2.1692% | 5,955 |
| Cash dividends to net income (ytd only)* | 38.3012% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 2,925 |
| Loan loss allowance to noncurrent loans | 102.1787% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.3733% | 1,534 |
| Noncurrent loans to loans | 1.2683% | 1,908 |
| Net loans and leases to total assets | 69.5454% | 2,416 |
| Net loans and leases to deposits | 125.5091% | 57 |
| Net loans and leases to core deposits | 131.0871% | 256 |
| Total domestic deposits to total assets | 55.4107% | 6,060 |
| Equity capital to assets | 21.0199% | 181 |
| Core capital (leverage) ratio | 20.9161% | 164 |
| Tier 1 risk-based capital ratio | 30.3704% | 492 |
| Total risk-based capital ratio | 31.6214% | 482 |
| Memoranda: | ||
| Average total assets | $1,744,597,000 | 444 |
| Average earning assets | $1,605,032,500 | 437 |
| Average equity | $361,520,500 | 274 |
| Average total loans | $1,250,537,000 | 426 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8726% | 3,796 |
| Cost of funding earning assets | 1.4362% | 21 |
| Net interest margin | 2.4365% | 5,871 |
| Noninterest income to average assets | 5.8265% | 112 |
| Noninterest expense to average assets | 6.4991% | 159 |
| Loan and lease loss provision to assets | 0.1120% | 2,126 |
| Net operating income to assets | 0.9397% | 2,666 |
| Return on assets (ROA) | 0.9413% | 2,728 |
| Pretax return on assets | 1.4626% | 1,676 |
| Return on Equity (ROE) | 4.6763% | 4,667 |
| Retained earnings to average equity (ytd only) | 3.3512% | 3,663 |
| Net charge-offs to loans | 0.3574% | 827 |
| Credit loss provision to net charge-offs | 43.8029% | 3,483 |
| Earnings coverage of net charge-offs (x) | 6.1480% | 3,269 |
| Efficiency ratio | 80.5216% | 1,606 |
| Assets per employee ($millions) | 2.2834% | 5,977 |
| Cash dividends to net income (ytd only)* | 28.3353% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 3,093 |
| Loan loss allowance to noncurrent loans | 91.9393% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.5239% | 1,327 |
| Noncurrent loans to loans | 1.3738% | 1,709 |
| Net loans and leases to total assets | 71.9632% | 2,058 |
| Net loans and leases to deposits | 133.5870% | 31 |
| Net loans and leases to core deposits | 139.1179% | 177 |
| Total domestic deposits to total assets | 53.8699% | 6,119 |
| Equity capital to assets | 20.4293% | 198 |
| Core capital (leverage) ratio | 20.4471% | 183 |
| Tier 1 risk-based capital ratio | 29.6669% | 521 |
| Total risk-based capital ratio | 30.9179% | 512 |
| Memoranda: | ||
| Average total assets | $1,754,285,400 | 418 |
| Average earning assets | $1,616,285,200 | 411 |
| Average equity | $353,123,000 | 269 |
| Average total loans | $1,255,215,400 | 402 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8830% | 3,803 |
| Cost of funding earning assets | 1.4239% | 21 |
| Net interest margin | 2.4591% | 5,937 |
| Noninterest income to average assets | 6.0949% | 107 |
| Noninterest expense to average assets | 6.6318% | 160 |
| Loan and lease loss provision to assets | 0.1308% | 1,714 |
| Net operating income to assets | 1.0218% | 2,368 |
| Return on assets (ROA) | 1.0239% | 2,446 |
| Pretax return on assets | 1.5990% | 1,383 |
| Return on Equity (ROE) | 5.1060% | 4,578 |
| Retained earnings to average equity (ytd only) | 3.8899% | 3,704 |
| Net charge-offs to loans | 0.3735% | 693 |
| Credit loss provision to net charge-offs | 49.1710% | 3,049 |
| Earnings coverage of net charge-offs (x) | 6.4903% | 3,042 |
| Efficiency ratio | 79.3444% | 1,750 |
| Assets per employee ($millions) | 2.2436% | 6,072 |
| Cash dividends to net income (ytd only)* | 23.8173% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,775 |
| Loan loss allowance to noncurrent loans | 77.4701% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 1.9533% | 1,058 |
| Noncurrent loans to loans | 1.7587% | 1,355 |
| Net loans and leases to total assets | 70.3902% | 2,337 |
| Net loans and leases to deposits | 131.8288% | 39 |
| Net loans and leases to core deposits | 137.1736% | 197 |
| Total domestic deposits to total assets | 53.3952% | 6,206 |
| Equity capital to assets | 20.5508% | 211 |
| Core capital (leverage) ratio | 20.4475% | 184 |
| Tier 1 risk-based capital ratio | 30.2746% | 507 |
| Total risk-based capital ratio | 31.5269% | 498 |
| Memoranda: | ||
| Average total assets | $1,753,303,750 | 415 |
| Average earning assets | $1,613,807,500 | 413 |
| Average equity | $351,606,000 | 276 |
| Average total loans | $1,248,656,750 | 404 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8455% | 3,898 |
| Cost of funding earning assets | 1.4025% | 27 |
| Net interest margin | 2.4430% | 6,008 |
| Noninterest income to average assets | 5.9135% | 114 |
| Noninterest expense to average assets | 6.5595% | 164 |
| Loan and lease loss provision to assets | 0.1297% | 1,707 |
| Net operating income to assets | 0.9408% | 2,682 |
| Return on assets (ROA) | 0.9440% | 2,783 |
| Pretax return on assets | 1.4770% | 1,709 |
| Return on Equity (ROE) | 4.7462% | 4,731 |
| Retained earnings to average equity (ytd only) | 3.7638% | 3,609 |
| Net charge-offs to loans | 0.2376% | 1,083 |
| Credit loss provision to net charge-offs | 76.7160% | 2,374 |
| Earnings coverage of net charge-offs (x) | 9.4711% | 2,448 |
| Efficiency ratio | 80.3743% | 1,703 |
| Assets per employee ($millions) | 2.2629% | 6,143 |
| Cash dividends to net income (ytd only)* | 20.6992% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 2,711 |
| Loan loss allowance to noncurrent loans | 63.9387% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.4831% | 767 |
| Noncurrent loans to loans | 2.2046% | 1,086 |
| Net loans and leases to total assets | 74.0846% | 1,650 |
| Net loans and leases to deposits | 139.6517% | 21 |
| Net loans and leases to core deposits | 145.3351% | 134 |
| Total domestic deposits to total assets | 53.0495% | 6,281 |
| Equity capital to assets | 20.3390% | 210 |
| Core capital (leverage) ratio | 20.1117% | 198 |
| Tier 1 risk-based capital ratio | 30.1026% | 540 |
| Total risk-based capital ratio | 31.3566% | 530 |
| Memoranda: | ||
| Average total assets | $1,757,391,670 | 416 |
| Average earning assets | $1,616,851,330 | 414 |
| Average equity | $349,542,330 | 278 |
| Average total loans | $1,250,726,000 | 402 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7243% | 4,280 |
| Cost of funding earning assets | 1.3814% | 26 |
| Net interest margin | 2.3430% | 6,135 |
| Noninterest income to average assets | 4.9024% | 129 |
| Noninterest expense to average assets | 5.9493% | 194 |
| Loan and lease loss provision to assets | 0.0757% | 2,437 |
| Net operating income to assets | 0.6646% | 3,979 |
| Return on assets (ROA) | 0.6710% | 4,069 |
| Pretax return on assets | 1.0449% | 3,316 |
| Return on Equity (ROE) | 3.4111% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.4111% | 3,936 |
| Net charge-offs to loans | 0.4161% | 588 |
| Credit loss provision to net charge-offs | 26.2951% | 2,305 |
| Earnings coverage of net charge-offs (x) | 3.8564% | 2,557 |
| Efficiency ratio | 84.2683% | 1,349 |
| Assets per employee ($millions) | 2.4031% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4449% | 2,707 |
| Loan loss allowance to noncurrent loans | 53.8312% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 2.9853% | 634 |
| Noncurrent loans to loans | 2.6842% | 882 |
| Net loans and leases to total assets | 68.7982% | 2,317 |
| Net loans and leases to deposits | 125.8080% | 52 |
| Net loans and leases to core deposits | 130.5456% | 241 |
| Total domestic deposits to total assets | 54.6851% | 6,347 |
| Equity capital to assets | 19.9181% | 232 |
| Core capital (leverage) ratio | 19.7269% | 219 |
| Tier 1 risk-based capital ratio | 31.0322% | 491 |
| Total risk-based capital ratio | 32.2863% | 487 |
| Memoranda: | ||
| Average total assets | $1,769,410,000 | 415 |
| Average earning assets | $1,629,392,500 | 413 |
| Average equity | $348,040,000 | 275 |
| Average total loans | $1,224,834,500 | 404 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,323 |
| Cost of funding earning assets | 1.3572% | 43 |
| Net interest margin | 2.4920% | 6,166 |
| Noninterest income to average assets | 4.5429% | 137 |
| Noninterest expense to average assets | 5.6980% | 212 |
| Loan and lease loss provision to assets | 0.0635% | 3,248 |
| Net operating income to assets | 0.6866% | 3,964 |
| Return on assets (ROA) | 0.6860% | 4,081 |
| Pretax return on assets | 1.0624% | 3,244 |
| Return on Equity (ROE) | 3.9739% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.9739% | 3,387 |
| Net charge-offs to loans | 0.5441% | 746 |
| Credit loss provision to net charge-offs | 17.1437% | 4,010 |
| Earnings coverage of net charge-offs (x) | 3.0443% | 3,995 |
| Efficiency ratio | 83.4892% | 1,475 |
| Assets per employee ($millions) | 2.4314% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 2,331 |
| Loan loss allowance to noncurrent loans | 49.2121% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 3.1910% | 605 |
| Noncurrent loans to loans | 3.1155% | 716 |
| Net loans and leases to total assets | 67.5915% | 2,628 |
| Net loans and leases to deposits | 121.7242% | 83 |
| Net loans and leases to core deposits | 126.1520% | 291 |
| Total domestic deposits to total assets | 55.5284% | 6,438 |
| Equity capital to assets | 19.4238% | 250 |
| Core capital (leverage) ratio | 19.0361% | 244 |
| Tier 1 risk-based capital ratio | 30.7270% | 484 |
| Total risk-based capital ratio | 31.9822% | 471 |
| Memoranda: | ||
| Average total assets | $1,812,239,800 | 399 |
| Average earning assets | $1,659,472,200 | 391 |
| Average equity | $312,840,000 | 286 |
| Average total loans | $1,232,844,800 | 383 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8254% | 4,451 |
| Cost of funding earning assets | 1.3393% | 46 |
| Net interest margin | 2.4861% | 6,240 |
| Noninterest income to average assets | 4.5926% | 133 |
| Noninterest expense to average assets | 5.6411% | 213 |
| Loan and lease loss provision to assets | 0.0622% | 3,113 |
| Net operating income to assets | 0.7493% | 3,670 |
| Return on assets (ROA) | 0.7485% | 3,767 |
| Pretax return on assets | 1.1605% | 2,945 |
| Return on Equity (ROE) | 4.4728% | 4,976 |
| Retained earnings to average equity (ytd only) | 4.4728% | 3,468 |
| Net charge-offs to loans | 0.5043% | 765 |
| Credit loss provision to net charge-offs | 18.1818% | 3,600 |
| Earnings coverage of net charge-offs (x) | 3.5758% | 3,633 |
| Efficiency ratio | 82.1706% | 1,594 |
| Assets per employee ($millions) | 2.3969% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6274% | 2,206 |
| Loan loss allowance to noncurrent loans | 47.3827% | 5,234 |
| Noncurrent assets plus other real estate owned to assets | 3.8471% | 531 |
| Noncurrent loans to loans | 3.4346% | 707 |
| Net loans and leases to total assets | 68.9109% | 2,385 |
| Net loans and leases to deposits | 123.2996% | 77 |
| Net loans and leases to core deposits | 127.5589% | 263 |
| Total domestic deposits to total assets | 55.8890% | 6,516 |
| Equity capital to assets | 19.0886% | 267 |
| Core capital (leverage) ratio | 19.0546% | 251 |
| Tier 1 risk-based capital ratio | 29.9052% | 529 |
| Total risk-based capital ratio | 31.1618% | 521 |
| Memoranda: | ||
| Average total assets | $1,820,955,000 | 397 |
| Average earning assets | $1,664,521,500 | 390 |
| Average equity | $304,741,500 | 292 |
| Average total loans | $1,236,040,250 | 378 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7283% | 4,772 |
| Cost of funding earning assets | 1.3141% | 53 |
| Net interest margin | 2.4141% | 6,345 |
| Noninterest income to average assets | 4.2921% | 137 |
| Noninterest expense to average assets | 5.4927% | 234 |
| Loan and lease loss provision to assets | 0.0585% | 3,116 |
| Net operating income to assets | 0.6114% | 4,303 |
| Return on assets (ROA) | 0.6102% | 4,403 |
| Pretax return on assets | 0.9444% | 3,703 |
| Return on Equity (ROE) | 3.8215% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.8215% | 3,748 |
| Net charge-offs to loans | 0.5811% | 696 |
| Credit loss provision to net charge-offs | 14.9776% | 3,257 |
| Earnings coverage of net charge-offs (x) | 2.5742% | 3,521 |
| Efficiency ratio | 84.5363% | 1,440 |
| Assets per employee ($millions) | 2.1694% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 2,301 |
| Loan loss allowance to noncurrent loans | 45.8199% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 3.8104% | 588 |
| Noncurrent loans to loans | 3.5937% | 727 |
| Net loans and leases to total assets | 70.5868% | 1,986 |
| Net loans and leases to deposits | 128.6610% | 41 |
| Net loans and leases to core deposits | 132.2047% | 211 |
| Total domestic deposits to total assets | 54.8627% | 6,585 |
| Equity capital to assets | 18.8026% | 277 |
| Core capital (leverage) ratio | 18.8824% | 251 |
| Tier 1 risk-based capital ratio | 28.9898% | 578 |
| Total risk-based capital ratio | 30.2470% | 567 |
| Memoranda: | ||
| Average total assets | $1,830,321,330 | 390 |
| Average earning assets | $1,671,979,000 | 385 |
| Average equity | $292,245,000 | 296 |
| Average total loans | $1,229,416,330 | 379 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5260% | 5,359 |
| Cost of funding earning assets | 1.2675% | 74 |
| Net interest margin | 2.2585% | 6,500 |
| Noninterest income to average assets | 3.6331% | 156 |
| Noninterest expense to average assets | 5.0558% | 311 |
| Loan and lease loss provision to assets | 0.0541% | 3,031 |
| Net operating income to assets | 0.4001% | 5,113 |
| Return on assets (ROA) | 0.4001% | 5,184 |
| Pretax return on assets | 0.6061% | 4,809 |
| Return on Equity (ROE) | 2.7429% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.7429% | 4,442 |
| Net charge-offs to loans | 0.3745% | 963 |
| Credit loss provision to net charge-offs | 22.2618% | 2,480 |
| Earnings coverage of net charge-offs (x) | 2.7150% | 2,814 |
| Efficiency ratio | 88.4503% | 1,182 |
| Assets per employee ($millions) | 2.0552% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 1,662 |
| Loan loss allowance to noncurrent loans | 49.4347% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 3.9756% | 601 |
| Noncurrent loans to loans | 3.9124% | 695 |
| Net loans and leases to total assets | 67.4956% | 2,300 |
| Net loans and leases to deposits | 122.3262% | 60 |
| Net loans and leases to core deposits | 125.2018% | 238 |
| Total domestic deposits to total assets | 55.1768% | 6,658 |
| Equity capital to assets | 18.9632% | 261 |
| Core capital (leverage) ratio | 18.5200% | 276 |
| Tier 1 risk-based capital ratio | 32.4440% | 431 |
| Total risk-based capital ratio | 33.6950% | 423 |
| Memoranda: | ||
| Average total assets | $1,847,368,500 | 390 |
| Average earning assets | $1,703,808,500 | 383 |
| Average equity | $269,498,500 | 309 |
| Average total loans | $1,199,561,000 | 383 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 3,742 |
| Cost of funding earning assets | 1.5387% | 45 |
| Net interest margin | 2.5597% | 6,316 |
| Noninterest income to average assets | 5.1773% | 126 |
| Noninterest expense to average assets | 5.8795% | 214 |
| Loan and lease loss provision to assets | 0.2687% | 1,312 |
| Net operating income to assets | 0.8582% | 2,987 |
| Return on assets (ROA) | 0.8579% | 3,072 |
| Pretax return on assets | 1.3594% | 1,933 |
| Return on Equity (ROE) | 7.1810% | 3,462 |
| Retained earnings to average equity (ytd only) | 6.9328% | 1,461 |
| Net charge-offs to loans | 0.9249% | 656 |
| Credit loss provision to net charge-offs | 40.0672% | 4,044 |
| Earnings coverage of net charge-offs (x) | 2.4284% | 4,199 |
| Efficiency ratio | 78.3078% | 2,421 |
| Assets per employee ($millions) | 2.2821% | 6,529 |
| Cash dividends to net income (ytd only)* | 3.4559% | 4,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0395% | 1,463 |
| Loan loss allowance to noncurrent loans | 47.6129% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 3.7999% | 722 |
| Noncurrent loans to loans | 4.2835% | 646 |
| Net loans and leases to total assets | 60.1503% | 3,685 |
| Net loans and leases to deposits | 91.9962% | 1,050 |
| Net loans and leases to core deposits | 93.7639% | 1,618 |
| Total domestic deposits to total assets | 65.3834% | 6,641 |
| Equity capital to assets | 10.6205% | 3,020 |
| Core capital (leverage) ratio | 12.4765% | 1,376 |
| Tier 1 risk-based capital ratio | 20.4101% | 1,559 |
| Total risk-based capital ratio | 21.6743% | 1,525 |
| Memoranda: | ||
| Average total assets | $1,686,502,400 | 411 |
| Average earning assets | $1,535,729,000 | 406 |
| Average equity | $201,475,800 | 384 |
| Average total loans | $1,222,881,400 | 366 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3199% | 2,905 |
| Cost of funding earning assets | 1.6256% | 36 |
| Net interest margin | 2.6943% | 6,185 |
| Noninterest income to average assets | 5.7976% | 118 |
| Noninterest expense to average assets | 6.2399% | 181 |
| Loan and lease loss provision to assets | 0.3252% | 1,022 |
| Net operating income to assets | 1.0325% | 2,249 |
| Return on assets (ROA) | 1.0320% | 2,331 |
| Pretax return on assets | 1.6750% | 1,155 |
| Return on Equity (ROE) | 8.3617% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.3617% | 1,263 |
| Net charge-offs to loans | 1.1149% | 505 |
| Credit loss provision to net charge-offs | 38.4653% | 3,736 |
| Earnings coverage of net charge-offs (x) | 2.3670% | 4,046 |
| Efficiency ratio | 75.7194% | 2,768 |
| Assets per employee ($millions) | 1.8478% | 6,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0774% | 1,551 |
| Loan loss allowance to noncurrent loans | 43.0288% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 5.0702% | 542 |
| Noncurrent loans to loans | 4.8280% | 642 |
| Net loans and leases to total assets | 73.2909% | 1,399 |
| Net loans and leases to deposits | 129.6129% | 37 |
| Net loans and leases to core deposits | 133.3535% | 153 |
| Total domestic deposits to total assets | 56.5460% | 6,810 |
| Equity capital to assets | 12.8953% | 1,379 |
| Core capital (leverage) ratio | 12.6815% | 1,334 |
| Tier 1 risk-based capital ratio | 20.2595% | 1,667 |
| Total risk-based capital ratio | 21.5225% | 1,642 |
| Memoranda: | ||
| Average total assets | $1,623,744,250 | 425 |
| Average earning assets | $1,472,440,000 | 423 |
| Average equity | $200,401,000 | 383 |
| Average total loans | $1,231,177,500 | 363 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3429% | 2,781 |
| Cost of funding earning assets | 1.6198% | 40 |
| Net interest margin | 2.7231% | 6,142 |
| Noninterest income to average assets | 6.0708% | 121 |
| Noninterest expense to average assets | 6.3061% | 186 |
| Loan and lease loss provision to assets | 0.3620% | 915 |
| Net operating income to assets | 1.1486% | 1,749 |
| Return on assets (ROA) | 1.1479% | 1,870 |
| Pretax return on assets | 1.8696% | 791 |
| Return on Equity (ROE) | 9.4381% | 2,440 |
| Retained earnings to average equity (ytd only) | 9.4381% | 982 |
| Net charge-offs to loans | 1.0017% | 609 |
| Credit loss provision to net charge-offs | 47.4663% | 3,263 |
| Earnings coverage of net charge-offs (x) | 2.9275% | 3,551 |
| Efficiency ratio | 73.8520% | 3,158 |
| Assets per employee ($millions) | 2.0825% | 6,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2412% | 1,348 |
| Loan loss allowance to noncurrent loans | 52.1417% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 5.1112% | 597 |
| Noncurrent loans to loans | 4.2982% | 850 |
| Net loans and leases to total assets | 74.3750% | 1,198 |
| Net loans and leases to deposits | 132.4069% | 35 |
| Net loans and leases to core deposits | 136.3842% | 153 |
| Total domestic deposits to total assets | 56.1716% | 6,859 |
| Equity capital to assets | 12.3811% | 1,649 |
| Core capital (leverage) ratio | 12.1696% | 1,525 |
| Tier 1 risk-based capital ratio | 17.6071% | 2,474 |
| Total risk-based capital ratio | 18.8725% | 2,434 |
| Memoranda: | ||
| Average total assets | $1,635,298,330 | 422 |
| Average earning assets | $1,482,154,330 | 420 |
| Average equity | $198,895,670 | 387 |
| Average total loans | $1,245,116,670 | 353 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 2,646 |
| Cost of funding earning assets | 1.6214% | 39 |
| Net interest margin | 2.7430% | 6,138 |
| Noninterest income to average assets | 5.6308% | 126 |
| Noninterest expense to average assets | 5.8844% | 219 |
| Loan and lease loss provision to assets | 0.4296% | 695 |
| Net operating income to assets | 1.1003% | 1,853 |
| Return on assets (ROA) | 1.0989% | 1,965 |
| Pretax return on assets | 1.8063% | 871 |
| Return on Equity (ROE) | 9.1166% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.1166% | 1,347 |
| Net charge-offs to loans | 1.1232% | 534 |
| Credit loss provision to net charge-offs | 50.2140% | 2,594 |
| Earnings coverage of net charge-offs (x) | 2.6160% | 2,988 |
| Efficiency ratio | 72.4456% | 3,531 |
| Assets per employee ($millions) | 2.1631% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3837% | 1,272 |
| Loan loss allowance to noncurrent loans | 44.4151% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 5.9645% | 535 |
| Noncurrent loans to loans | 5.3668% | 687 |
| Net loans and leases to total assets | 73.9561% | 1,088 |
| Net loans and leases to deposits | 129.3782% | 38 |
| Net loans and leases to core deposits | 133.5361% | 156 |
| Total domestic deposits to total assets | 57.1627% | 6,932 |
| Equity capital to assets | 12.3040% | 1,834 |
| Core capital (leverage) ratio | 11.7881% | 1,684 |
| Tier 1 risk-based capital ratio | 17.4851% | 2,564 |
| Total risk-based capital ratio | 18.7525% | 2,521 |
| Memoranda: | ||
| Average total assets | $1,638,700,000 | 429 |
| Average earning assets | $1,488,571,000 | 425 |
| Average equity | $197,530,500 | 392 |
| Average total loans | $1,248,195,000 | 355 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5901% | 3,040 |
| Cost of funding earning assets | 1.8295% | 48 |
| Net interest margin | 2.7607% | 6,431 |
| Noninterest income to average assets | 5.0446% | 142 |
| Noninterest expense to average assets | 5.7728% | 242 |
| Loan and lease loss provision to assets | 0.4936% | 1,218 |
| Net operating income to assets | 1.9709% | 376 |
| Return on assets (ROA) | 1.9893% | 395 |
| Pretax return on assets | 1.2980% | 2,407 |
| Return on Equity (ROE) | 19.2462% | 341 |
| Retained earnings to average equity (ytd only) | 19.2462% | 68 |
| Net charge-offs to loans | 0.7515% | 1,558 |
| Credit loss provision to net charge-offs | 85.6818% | 3,647 |
| Earnings coverage of net charge-offs (x) | 3.0777% | 3,897 |
| Efficiency ratio | 76.5015% | 2,664 |
| Assets per employee ($millions) | 2.2797% | 6,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4496% | 1,182 |
| Loan loss allowance to noncurrent loans | 41.5747% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 6.6850% | 481 |
| Noncurrent loans to loans | 5.8920% | 613 |
| Net loans and leases to total assets | 74.6940% | 1,094 |
| Net loans and leases to deposits | 128.6043% | 45 |
| Net loans and leases to core deposits | 132.5690% | 166 |
| Total domestic deposits to total assets | 58.0805% | 6,988 |
| Equity capital to assets | 11.8092% | 2,179 |
| Core capital (leverage) ratio | 11.1317% | 2,141 |
| Tier 1 risk-based capital ratio | 16.0743% | 3,122 |
| Total risk-based capital ratio | 17.3422% | 3,065 |
| Memoranda: | ||
| Average total assets | $1,681,376,000 | 407 |
| Average earning assets | $1,523,444,800 | 406 |
| Average equity | $173,789,800 | 432 |
| Average total loans | $1,288,938,000 | 338 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6479% | 3,024 |
| Cost of funding earning assets | 1.8743% | 46 |
| Net interest margin | 2.7736% | 6,544 |
| Noninterest income to average assets | 4.8991% | 146 |
| Noninterest expense to average assets | 5.5612% | 259 |
| Loan and lease loss provision to assets | 0.5608% | 1,022 |
| Net operating income to assets | 1.2942% | 1,455 |
| Return on assets (ROA) | 1.2965% | 1,593 |
| Pretax return on assets | 1.2914% | 2,636 |
| Return on Equity (ROE) | 12.9969% | 1,338 |
| Retained earnings to average equity (ytd only) | 12.9969% | 397 |
| Net charge-offs to loans | 0.8821% | 1,241 |
| Credit loss provision to net charge-offs | 82.9149% | 3,534 |
| Earnings coverage of net charge-offs (x) | 2.7351% | 3,940 |
| Efficiency ratio | 75.0378% | 2,818 |
| Assets per employee ($millions) | 2.3583% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4118% | 1,338 |
| Loan loss allowance to noncurrent loans | 42.0587% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 7.1513% | 497 |
| Noncurrent loans to loans | 5.7344% | 739 |
| Net loans and leases to total assets | 74.8330% | 1,129 |
| Net loans and leases to deposits | 127.5320% | 52 |
| Net loans and leases to core deposits | 131.4078% | 181 |
| Total domestic deposits to total assets | 58.6778% | 7,080 |
| Equity capital to assets | 10.6724% | 3,637 |
| Core capital (leverage) ratio | 10.4951% | 2,918 |
| Tier 1 risk-based capital ratio | 14.3727% | 4,281 |
| Total risk-based capital ratio | 15.6386% | 4,242 |
| Memoranda: | ||
| Average total assets | $1,687,951,000 | 405 |
| Average earning assets | $1,528,862,250 | 400 |
| Average equity | $168,374,500 | 442 |
| Average total loans | $1,294,351,250 | 339 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6994% | 2,914 |
| Cost of funding earning assets | 1.9430% | 47 |
| Net interest margin | 2.7564% | 6,639 |
| Noninterest income to average assets | 4.2243% | 172 |
| Noninterest expense to average assets | 5.1875% | 333 |
| Loan and lease loss provision to assets | 0.6027% | 985 |
| Net operating income to assets | 0.9403% | 2,711 |
| Return on assets (ROA) | 0.9564% | 2,882 |
| Pretax return on assets | 0.9417% | 3,917 |
| Return on Equity (ROE) | 9.8137% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.8137% | 1,024 |
| Net charge-offs to loans | 0.7508% | 1,473 |
| Credit loss provision to net charge-offs | 104.6798% | 2,598 |
| Earnings coverage of net charge-offs (x) | 2.6546% | 3,680 |
| Efficiency ratio | 77.2431% | 2,558 |
| Assets per employee ($millions) | 2.7611% | 6,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5174% | 1,259 |
| Loan loss allowance to noncurrent loans | 38.5336% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 7.9097% | 439 |
| Noncurrent loans to loans | 6.5329% | 640 |
| Net loans and leases to total assets | 75.4563% | 1,039 |
| Net loans and leases to deposits | 125.2465% | 53 |
| Net loans and leases to core deposits | 128.9459% | 218 |
| Total domestic deposits to total assets | 60.2463% | 7,127 |
| Equity capital to assets | 10.1355% | 4,142 |
| Core capital (leverage) ratio | 9.8167% | 3,692 |
| Tier 1 risk-based capital ratio | 13.8469% | 4,555 |
| Total risk-based capital ratio | 15.1151% | 4,522 |
| Memoranda: | ||
| Average total assets | $1,692,466,000 | 403 |
| Average earning assets | $1,529,814,330 | 401 |
| Average equity | $164,933,000 | 449 |
| Average total loans | $1,297,810,000 | 341 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7195% | 2,974 |
| Cost of funding earning assets | 2.0104% | 44 |
| Net interest margin | 2.7091% | 6,756 |
| Noninterest income to average assets | 3.3948% | 200 |
| Noninterest expense to average assets | 4.5675% | 522 |
| Loan and lease loss provision to assets | 0.8643% | 524 |
| Net operating income to assets | 0.4000% | 5,255 |
| Return on assets (ROA) | 0.4544% | 5,205 |
| Pretax return on assets | 0.4615% | 5,555 |
| Return on Equity (ROE) | 4.7567% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.7567% | 3,706 |
| Net charge-offs to loans | 0.9423% | 1,099 |
| Credit loss provision to net charge-offs | 120.1766% | 1,977 |
| Earnings coverage of net charge-offs (x) | 1.7662% | 3,455 |
| Efficiency ratio | 78.2402% | 2,461 |
| Assets per employee ($millions) | 2.7629% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5594% | 1,279 |
| Loan loss allowance to noncurrent loans | 35.9848% | 5,853 |
| Noncurrent assets plus other real estate owned to assets | 8.7293% | 413 |
| Noncurrent loans to loans | 7.1126% | 613 |
| Net loans and leases to total assets | 74.2841% | 1,019 |
| Net loans and leases to deposits | 118.9615% | 78 |
| Net loans and leases to core deposits | 122.6922% | 276 |
| Total domestic deposits to total assets | 62.4438% | 7,164 |
| Equity capital to assets | 9.6828% | 4,545 |
| Core capital (leverage) ratio | 9.6031% | 3,913 |
| Tier 1 risk-based capital ratio | 13.4184% | 4,890 |
| Total risk-based capital ratio | 14.6867% | 4,865 |
| Memoranda: | ||
| Average total assets | $1,700,700,000 | 402 |
| Average earning assets | $1,533,638,500 | 398 |
| Average equity | $162,464,500 | 453 |
| Average total loans | $1,298,063,000 | 340 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 2,826 |
| Cost of funding earning assets | 2.0755% | 72 |
| Net interest margin | 2.9360% | 6,633 |
| Noninterest income to average assets | 2.2283% | 323 |
| Noninterest expense to average assets | 4.0401% | 980 |
| Loan and lease loss provision to assets | 1.2655% | 660 |
| Net operating income to assets | -0.4498% | 6,452 |
| Return on assets (ROA) | -0.4729% | 6,518 |
| Pretax return on assets | -0.4407% | 6,444 |
| Return on Equity (ROE) | -5.0157% | 6,528 |
| Retained earnings to average equity (ytd only) | -5.0157% | 6,447 |
| Net charge-offs to loans | 1.4185% | 1,151 |
| Credit loss provision to net charge-offs | 117.2936% | 2,744 |
| Earnings coverage of net charge-offs (x) | 0.7859% | 5,204 |
| Efficiency ratio | 82.6536% | 1,932 |
| Assets per employee ($millions) | 2.9751% | 6,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4852% | 1,339 |
| Loan loss allowance to noncurrent loans | 41.4605% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 7.8988% | 520 |
| Noncurrent loans to loans | 5.9940% | 833 |
| Net loans and leases to total assets | 74.5154% | 1,172 |
| Net loans and leases to deposits | 118.7426% | 92 |
| Net loans and leases to core deposits | 122.3713% | 314 |
| Total domestic deposits to total assets | 62.7537% | 7,193 |
| Equity capital to assets | 9.4238% | 4,999 |
| Core capital (leverage) ratio | 9.1578% | 4,536 |
| Tier 1 risk-based capital ratio | 13.3079% | 4,829 |
| Total risk-based capital ratio | 14.5759% | 4,800 |
| Memoranda: | ||
| Average total assets | $1,744,542,400 | 383 |
| Average earning assets | $1,580,408,600 | 375 |
| Average equity | $164,483,600 | 429 |
| Average total loans | $1,326,923,800 | 331 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0065% | 3,055 |
| Cost of funding earning assets | 2.0679% | 89 |
| Net interest margin | 2.9386% | 6,688 |
| Noninterest income to average assets | 2.1838% | 331 |
| Noninterest expense to average assets | 3.8883% | 1,173 |
| Loan and lease loss provision to assets | 1.2287% | 627 |
| Net operating income to assets | -0.2205% | 6,404 |
| Return on assets (ROA) | -0.2236% | 6,487 |
| Pretax return on assets | -0.2747% | 6,471 |
| Return on Equity (ROE) | -2.3712% | 6,514 |
| Retained earnings to average equity (ytd only) | -2.3712% | 6,343 |
| Net charge-offs to loans | 1.0575% | 1,505 |
| Credit loss provision to net charge-offs | 152.9334% | 2,034 |
| Earnings coverage of net charge-offs (x) | 1.1923% | 4,732 |
| Efficiency ratio | 80.2334% | 2,225 |
| Assets per employee ($millions) | 2.9697% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6229% | 1,238 |
| Loan loss allowance to noncurrent loans | 40.3943% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 8.3718% | 508 |
| Noncurrent loans to loans | 6.4932% | 812 |
| Net loans and leases to total assets | 74.3027% | 1,278 |
| Net loans and leases to deposits | 117.0910% | 104 |
| Net loans and leases to core deposits | 120.7837% | 365 |
| Total domestic deposits to total assets | 63.4572% | 7,255 |
| Equity capital to assets | 9.5024% | 5,079 |
| Core capital (leverage) ratio | 9.4559% | 4,218 |
| Tier 1 risk-based capital ratio | 13.3403% | 4,846 |
| Total risk-based capital ratio | 14.6099% | 4,799 |
| Memoranda: | ||
| Average total assets | $1,753,747,250 | 382 |
| Average earning assets | $1,588,941,750 | 374 |
| Average equity | $165,371,250 | 437 |
| Average total loans | $1,332,418,000 | 329 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 3,021 |
| Cost of funding earning assets | 2.0754% | 113 |
| Net interest margin | 2.9530% | 6,689 |
| Noninterest income to average assets | 1.8321% | 404 |
| Noninterest expense to average assets | 3.7150% | 1,502 |
| Loan and lease loss provision to assets | 1.1546% | 691 |
| Net operating income to assets | -0.2766% | 6,541 |
| Return on assets (ROA) | -0.2811% | 6,573 |
| Pretax return on assets | -0.3648% | 6,573 |
| Return on Equity (ROE) | -2.9891% | 6,591 |
| Retained earnings to average equity (ytd only) | -2.9891% | 6,373 |
| Net charge-offs to loans | 0.8009% | 1,900 |
| Credit loss provision to net charge-offs | 190.0094% | 1,592 |
| Earnings coverage of net charge-offs (x) | 1.3094% | 4,299 |
| Efficiency ratio | 82.3601% | 2,054 |
| Assets per employee ($millions) | 2.7490% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6183% | 1,292 |
| Loan loss allowance to noncurrent loans | 42.2932% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 8.1761% | 552 |
| Noncurrent loans to loans | 6.1908% | 938 |
| Net loans and leases to total assets | 73.5694% | 1,491 |
| Net loans and leases to deposits | 114.5351% | 121 |
| Net loans and leases to core deposits | 118.0340% | 470 |
| Total domestic deposits to total assets | 64.2331% | 7,310 |
| Equity capital to assets | 9.5914% | 4,671 |
| Core capital (leverage) ratio | 9.3463% | 4,182 |
| Tier 1 risk-based capital ratio | 13.4337% | 4,579 |
| Total risk-based capital ratio | 14.7028% | 4,547 |
| Memoranda: | ||
| Average total assets | $1,759,244,670 | 386 |
| Average earning assets | $1,595,713,330 | 379 |
| Average equity | $165,468,000 | 435 |
| Average total loans | $1,334,691,670 | 333 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0248% | 2,985 |
| Cost of funding earning assets | 2.0803% | 133 |
| Net interest margin | 2.9446% | 6,685 |
| Noninterest income to average assets | 1.5325% | 558 |
| Noninterest expense to average assets | 3.4672% | 2,090 |
| Loan and lease loss provision to assets | 1.0956% | 666 |
| Net operating income to assets | -0.3668% | 6,723 |
| Return on assets (ROA) | -0.3668% | 6,728 |
| Pretax return on assets | -0.3580% | 6,656 |
| Return on Equity (ROE) | -3.9372% | 6,735 |
| Retained earnings to average equity (ytd only) | -3.9372% | 6,407 |
| Net charge-offs to loans | 0.5783% | 2,040 |
| Credit loss provision to net charge-offs | 249.2331% | 1,268 |
| Earnings coverage of net charge-offs (x) | 1.6779% | 3,473 |
| Efficiency ratio | 82.4576% | 2,155 |
| Assets per employee ($millions) | 2.9021% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4622% | 1,516 |
| Loan loss allowance to noncurrent loans | 38.2354% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 8.2654% | 559 |
| Noncurrent loans to loans | 6.4395% | 939 |
| Net loans and leases to total assets | 72.4115% | 1,629 |
| Net loans and leases to deposits | 111.3130% | 164 |
| Net loans and leases to core deposits | 114.8509% | 571 |
| Total domestic deposits to total assets | 65.0522% | 7,353 |
| Equity capital to assets | 9.4006% | 4,571 |
| Core capital (leverage) ratio | 9.2224% | 4,253 |
| Tier 1 risk-based capital ratio | 13.2510% | 4,620 |
| Total risk-based capital ratio | 14.5176% | 4,582 |
| Memoranda: | ||
| Average total assets | $1,779,790,000 | 386 |
| Average earning assets | $1,615,180,000 | 380 |
| Average equity | $165,804,500 | 429 |
| Average total loans | $1,353,026,500 | 332 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2940% | 3,160 |
| Cost of funding earning assets | 2.3713% | 167 |
| Net interest margin | 2.9227% | 6,865 |
| Noninterest income to average assets | 2.1370% | 359 |
| Noninterest expense to average assets | 3.5687% | 2,008 |
| Loan and lease loss provision to assets | 1.3946% | 1,077 |
| Net operating income to assets | -0.1536% | 6,058 |
| Return on assets (ROA) | -0.1506% | 6,110 |
| Pretax return on assets | -0.1478% | 6,043 |
| Return on Equity (ROE) | -1.6813% | 6,138 |
| Retained earnings to average equity (ytd only) | -1.6813% | 5,915 |
| Net charge-offs to loans | 1.7411% | 1,235 |
| Credit loss provision to net charge-offs | 102.7076% | 4,401 |
| Earnings coverage of net charge-offs (x) | 0.9160% | 5,196 |
| Efficiency ratio | 74.1550% | 3,364 |
| Assets per employee ($millions) | 3.0316% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0801% | 2,113 |
| Loan loss allowance to noncurrent loans | 34.6587% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 7.8684% | 640 |
| Noncurrent loans to loans | 6.0017% | 1,047 |
| Net loans and leases to total assets | 76.1391% | 1,246 |
| Net loans and leases to deposits | 117.7237% | 130 |
| Net loans and leases to core deposits | 122.1751% | 467 |
| Total domestic deposits to total assets | 64.6761% | 7,425 |
| Equity capital to assets | 9.2336% | 4,782 |
| Core capital (leverage) ratio | 8.8280% | 4,810 |
| Tier 1 risk-based capital ratio | 12.8664% | 4,716 |
| Total risk-based capital ratio | 14.1291% | 4,673 |
| Memoranda: | ||
| Average total assets | $1,852,314,000 | 377 |
| Average earning assets | $1,695,660,600 | 369 |
| Average equity | $165,943,000 | 417 |
| Average total loans | $1,444,561,000 | 326 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2560% | 3,549 |
| Cost of funding earning assets | 2.3825% | 206 |
| Net interest margin | 2.8735% | 7,048 |
| Noninterest income to average assets | 1.5098% | 601 |
| Noninterest expense to average assets | 2.9559% | 3,902 |
| Loan and lease loss provision to assets | 1.3399% | 1,024 |
| Net operating income to assets | -0.1522% | 6,250 |
| Return on assets (ROA) | -0.1515% | 6,332 |
| Pretax return on assets | -0.1500% | 6,270 |
| Return on Equity (ROE) | -1.7041% | 6,364 |
| Retained earnings to average equity (ytd only) | -1.7041% | 6,137 |
| Net charge-offs to loans | 1.3535% | 1,501 |
| Credit loss provision to net charge-offs | 126.8499% | 3,215 |
| Earnings coverage of net charge-offs (x) | 1.1259% | 4,925 |
| Efficiency ratio | 71.3098% | 3,833 |
| Assets per employee ($millions) | 3.1166% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2249% | 1,749 |
| Loan loss allowance to noncurrent loans | 32.3875% | 6,175 |
| Noncurrent assets plus other real estate owned to assets | 8.1176% | 614 |
| Noncurrent loans to loans | 6.8698% | 833 |
| Net loans and leases to total assets | 75.5265% | 1,489 |
| Net loans and leases to deposits | 118.7108% | 125 |
| Net loans and leases to core deposits | 123.7049% | 508 |
| Total domestic deposits to total assets | 63.6223% | 7,526 |
| Equity capital to assets | 8.8663% | 5,750 |
| Core capital (leverage) ratio | 8.7979% | 5,014 |
| Tier 1 risk-based capital ratio | 11.9375% | 5,522 |
| Total risk-based capital ratio | 13.2012% | 5,478 |
| Memoranda: | ||
| Average total assets | $1,864,443,750 | 372 |
| Average earning assets | $1,709,898,250 | 363 |
| Average equity | $165,790,000 | 410 |
| Average total loans | $1,455,059,000 | 325 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 3,552 |
| Cost of funding earning assets | 2.4228% | 221 |
| Net interest margin | 2.8595% | 7,069 |
| Noninterest income to average assets | 1.1448% | 992 |
| Noninterest expense to average assets | 2.5766% | 5,425 |
| Loan and lease loss provision to assets | 1.3454% | 1,005 |
| Net operating income to assets | -0.1558% | 6,297 |
| Return on assets (ROA) | -0.1550% | 6,359 |
| Pretax return on assets | -0.1528% | 6,292 |
| Return on Equity (ROE) | -1.7418% | 6,400 |
| Retained earnings to average equity (ytd only) | -1.7418% | 6,110 |
| Net charge-offs to loans | 0.9091% | 2,017 |
| Credit loss provision to net charge-offs | 188.9831% | 2,086 |
| Earnings coverage of net charge-offs (x) | 1.6742% | 4,255 |
| Efficiency ratio | 68.3725% | 4,504 |
| Assets per employee ($millions) | 3.2639% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3707% | 1,471 |
| Loan loss allowance to noncurrent loans | 35.4305% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 7.9173% | 625 |
| Noncurrent loans to loans | 6.6911% | 879 |
| Net loans and leases to total assets | 75.5582% | 1,581 |
| Net loans and leases to deposits | 117.5380% | 157 |
| Net loans and leases to core deposits | 123.0689% | 599 |
| Total domestic deposits to total assets | 64.2841% | 7,574 |
| Equity capital to assets | 8.9333% | 5,550 |
| Core capital (leverage) ratio | 8.9461% | 4,691 |
| Tier 1 risk-based capital ratio | 12.3897% | 4,958 |
| Total risk-based capital ratio | 13.6563% | 4,919 |
| Memoranda: | ||
| Average total assets | $1,856,365,000 | 376 |
| Average earning assets | $1,703,285,330 | 366 |
| Average equity | $165,234,670 | 413 |
| Average total loans | $1,453,774,000 | 324 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 2,879 |
| Cost of funding earning assets | 2.5018% | 224 |
| Net interest margin | 2.9340% | 6,961 |
| Noninterest income to average assets | 0.9347% | 1,504 |
| Noninterest expense to average assets | 2.4518% | 5,899 |
| Loan and lease loss provision to assets | 1.1813% | 1,032 |
| Net operating income to assets | -0.0078% | 6,311 |
| Return on assets (ROA) | -0.0102% | 6,413 |
| Pretax return on assets | -0.0102% | 6,372 |
| Return on Equity (ROE) | -0.1145% | 6,423 |
| Retained earnings to average equity (ytd only) | -0.1145% | 5,863 |
| Net charge-offs to loans | 0.6378% | 2,227 |
| Credit loss provision to net charge-offs | 235.1142% | 1,628 |
| Earnings coverage of net charge-offs (x) | 2.3356% | 3,380 |
| Efficiency ratio | 67.6300% | 4,793 |
| Assets per employee ($millions) | 3.3410% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1869% | 1,781 |
| Loan loss allowance to noncurrent loans | 41.5703% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 7.0732% | 758 |
| Noncurrent loans to loans | 5.2608% | 1,350 |
| Net loans and leases to total assets | 76.9878% | 1,333 |
| Net loans and leases to deposits | 118.8078% | 151 |
| Net loans and leases to core deposits | 124.0540% | 644 |
| Total domestic deposits to total assets | 64.8003% | 7,652 |
| Equity capital to assets | 8.9652% | 5,331 |
| Core capital (leverage) ratio | 9.0699% | 4,439 |
| Tier 1 risk-based capital ratio | 13.0783% | 4,279 |
| Total risk-based capital ratio | 14.3438% | 4,241 |
| Memoranda: | ||
| Average total assets | $1,847,800,000 | 389 |
| Average earning assets | $1,694,462,500 | 381 |
| Average equity | $164,170,000 | 420 |
| Average total loans | $1,455,684,500 | 337 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 3,522 |
| Cost of funding earning assets | 3.1096% | 166 |
| Net interest margin | 2.5065% | 7,421 |
| Noninterest income to average assets | 0.5289% | 4,189 |
| Noninterest expense to average assets | 2.0447% | 7,289 |
| Loan and lease loss provision to assets | 1.4084% | 1,629 |
| Net operating income to assets | -0.5394% | 6,226 |
| Return on assets (ROA) | -0.5911% | 6,258 |
| Pretax return on assets | -0.6642% | 6,154 |
| Return on Equity (ROE) | -6.8075% | 6,373 |
| Retained earnings to average equity (ytd only) | -6.8075% | 6,221 |
| Net charge-offs to loans | 1.5346% | 1,631 |
| Credit loss provision to net charge-offs | 114.2423% | 4,796 |
| Earnings coverage of net charge-offs (x) | 0.6507% | 5,440 |
| Efficiency ratio | 71.8223% | 4,287 |
| Assets per employee ($millions) | 3.5870% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9449% | 2,156 |
| Loan loss allowance to noncurrent loans | 37.8341% | 5,909 |
| Noncurrent assets plus other real estate owned to assets | 6.7942% | 762 |
| Noncurrent loans to loans | 5.1406% | 1,298 |
| Net loans and leases to total assets | 77.3152% | 1,519 |
| Net loans and leases to deposits | 121.9257% | 151 |
| Net loans and leases to core deposits | 153.6987% | 435 |
| Total domestic deposits to total assets | 63.4117% | 7,722 |
| Equity capital to assets | 8.8050% | 5,430 |
| Core capital (leverage) ratio | 8.7054% | 4,919 |
| Tier 1 risk-based capital ratio | 12.4815% | 4,543 |
| Total risk-based capital ratio | 13.7435% | 4,474 |
| Memoranda: | ||
| Average total assets | $1,894,909,000 | 367 |
| Average earning assets | $1,752,463,600 | 364 |
| Average equity | $164,539,600 | 423 |
| Average total loans | $1,522,199,200 | 332 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6245% | 3,723 |
| Cost of funding earning assets | 3.2063% | 184 |
| Net interest margin | 2.4182% | 7,548 |
| Noninterest income to average assets | 0.6015% | 3,688 |
| Noninterest expense to average assets | 1.9042% | 7,542 |
| Loan and lease loss provision to assets | 1.3343% | 1,448 |
| Net operating income to assets | -0.3913% | 6,308 |
| Return on assets (ROA) | -0.4684% | 6,400 |
| Pretax return on assets | -0.4743% | 6,267 |
| Return on Equity (ROE) | -5.4125% | 6,492 |
| Retained earnings to average equity (ytd only) | -5.4125% | 6,302 |
| Net charge-offs to loans | 1.1041% | 1,811 |
| Credit loss provision to net charge-offs | 149.7564% | 3,214 |
| Earnings coverage of net charge-offs (x) | 1.0527% | 5,002 |
| Efficiency ratio | 67.0001% | 5,188 |
| Assets per employee ($millions) | 3.6416% | 4,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 1,595 |
| Loan loss allowance to noncurrent loans | 33.6881% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 7.0751% | 677 |
| Noncurrent loans to loans | 6.2415% | 936 |
| Net loans and leases to total assets | 77.1476% | 1,756 |
| Net loans and leases to deposits | 120.5876% | 191 |
| Net loans and leases to core deposits | 152.1939% | 535 |
| Total domestic deposits to total assets | 63.9764% | 7,767 |
| Equity capital to assets | 8.6836% | 5,977 |
| Core capital (leverage) ratio | 8.6904% | 5,146 |
| Tier 1 risk-based capital ratio | 12.6432% | 4,444 |
| Total risk-based capital ratio | 13.8570% | 4,417 |
| Memoranda: | ||
| Average total assets | $1,904,119,500 | 378 |
| Average earning assets | $1,764,248,500 | 374 |
| Average equity | $164,774,000 | 428 |
| Average total loans | $1,536,483,500 | 343 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6332% | 3,894 |
| Cost of funding earning assets | 3.2848% | 215 |
| Net interest margin | 2.3484% | 7,631 |
| Noninterest income to average assets | 0.5651% | 3,929 |
| Noninterest expense to average assets | 1.8693% | 7,660 |
| Loan and lease loss provision to assets | 1.0710% | 1,596 |
| Net operating income to assets | -0.1917% | 6,173 |
| Return on assets (ROA) | -0.3050% | 6,345 |
| Pretax return on assets | -0.3138% | 6,246 |
| Return on Equity (ROE) | -3.5281% | 6,421 |
| Retained earnings to average equity (ytd only) | -3.5281% | 6,047 |
| Net charge-offs to loans | 1.2562% | 1,469 |
| Credit loss provision to net charge-offs | 104.8402% | 4,386 |
| Earnings coverage of net charge-offs (x) | 0.8555% | 4,900 |
| Efficiency ratio | 68.1425% | 5,132 |
| Assets per employee ($millions) | 5.0535% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6962% | 2,368 |
| Loan loss allowance to noncurrent loans | 26.8584% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 7.3141% | 559 |
| Noncurrent loans to loans | 6.3152% | 855 |
| Net loans and leases to total assets | 77.3767% | 1,888 |
| Net loans and leases to deposits | 121.0187% | 213 |
| Net loans and leases to core deposits | 153.1732% | 582 |
| Total domestic deposits to total assets | 63.9378% | 7,832 |
| Equity capital to assets | 8.6366% | 5,840 |
| Core capital (leverage) ratio | 8.8013% | 4,942 |
| Tier 1 risk-based capital ratio | 10.0900% | 6,832 |
| Total risk-based capital ratio | 11.3434% | 6,755 |
| Memoranda: | ||
| Average total assets | $1,905,181,670 | 389 |
| Average earning assets | $1,767,093,670 | 384 |
| Average equity | $164,675,670 | 432 |
| Average total loans | $1,549,304,000 | 351 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6618% | 3,984 |
| Cost of funding earning assets | 3.3278% | 248 |
| Net interest margin | 2.3340% | 7,686 |
| Noninterest income to average assets | 0.2662% | 6,313 |
| Noninterest expense to average assets | 1.6522% | 7,866 |
| Loan and lease loss provision to assets | 1.5179% | 825 |
| Net operating income to assets | -0.6364% | 7,001 |
| Return on assets (ROA) | -0.8027% | 7,163 |
| Pretax return on assets | -0.9243% | 7,110 |
| Return on Equity (ROE) | -9.2828% | 7,317 |
| Retained earnings to average equity (ytd only) | -9.2828% | 7,038 |
| Net charge-offs to loans | 0.9001% | 1,461 |
| Credit loss provision to net charge-offs | 204.0521% | 2,181 |
| Earnings coverage of net charge-offs (x) | 1.0550% | 4,236 |
| Efficiency ratio | 67.7969% | 5,003 |
| Assets per employee ($millions) | 4.9033% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8444% | 1,750 |
| Loan loss allowance to noncurrent loans | 25.9262% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 7.4470% | 430 |
| Noncurrent loans to loans | 7.1139% | 560 |
| Net loans and leases to total assets | 80.0535% | 1,380 |
| Net loans and leases to deposits | 124.3679% | 211 |
| Net loans and leases to core deposits | 157.6582% | 532 |
| Total domestic deposits to total assets | 64.3683% | 7,831 |
| Equity capital to assets | 8.5294% | 6,029 |
| Core capital (leverage) ratio | 8.7813% | 5,019 |
| Tier 1 risk-based capital ratio | 11.1122% | 5,803 |
| Total risk-based capital ratio | 12.3703% | 5,711 |
| Memoranda: | ||
| Average total assets | $1,897,605,000 | 392 |
| Average earning assets | $1,764,871,500 | 381 |
| Average equity | $164,088,000 | 429 |
| Average total loans | $1,568,191,000 | 350 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1656% | 4,694 |
| Cost of funding earning assets | 3.7329% | 242 |
| Net interest margin | 2.4327% | 7,820 |
| Noninterest income to average assets | 0.3012% | 6,304 |
| Noninterest expense to average assets | 1.7469% | 7,818 |
| Loan and lease loss provision to assets | 2.0578% | 574 |
| Net operating income to assets | -1.2786% | 7,376 |
| Return on assets (ROA) | -1.3885% | 7,367 |
| Pretax return on assets | -1.3414% | 7,185 |
| Return on Equity (ROE) | -15.1453% | 7,594 |
| Retained earnings to average equity (ytd only) | -15.1453% | 7,468 |
| Net charge-offs to loans | 1.6430% | 684 |
| Credit loss provision to net charge-offs | 150.8841% | 3,478 |
| Earnings coverage of net charge-offs (x) | 0.6059% | 5,861 |
| Efficiency ratio | 67.8876% | 4,742 |
| Assets per employee ($millions) | 5.8688% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6002% | 2,248 |
| Loan loss allowance to noncurrent loans | 23.3612% | 7,080 |
| Noncurrent assets plus other real estate owned to assets | 7.0491% | 368 |
| Noncurrent loans to loans | 6.8498% | 452 |
| Net loans and leases to total assets | 82.4058% | 1,151 |
| Net loans and leases to deposits | 127.6424% | 245 |
| Net loans and leases to core deposits | 159.9182% | 574 |
| Total domestic deposits to total assets | 64.5599% | 7,753 |
| Equity capital to assets | 8.7672% | 5,710 |
| Core capital (leverage) ratio | 8.9337% | 4,841 |
| Tier 1 risk-based capital ratio | 11.5670% | 5,179 |
| Total risk-based capital ratio | 12.8200% | 5,069 |
| Memoranda: | ||
| Average total assets | $1,816,340,200 | 391 |
| Average earning assets | $1,696,460,400 | 384 |
| Average equity | $166,520,800 | 427 |
| Average total loans | $1,507,689,000 | 349 |